Consumer complaint received 2018-05-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I opened account will PayPal credit an was using electronic billing statements to view an keep track of PayPal credit. My first purchase went through fine and I made sure PayPal payment method was pointed to my debit card. After second purchase went through my payment method was changed back to PayPal credit. I XXXX XXXX XXXX XXXX XXXX an I say they tampered with my account. They refused reversal an I was forced to contact seller for reversal. I fixed that issue on my own, another problem fallowed one after the other. When I started PayPal credit to told me in order to make payments to PayPal credit. I had to go out of my way to get them bank account routing numbers or mail them a money order. So I opened new account with XXXX XXXX. My first payment went through fine. My second payment was declined by the XXXX XXXX  with funds in account. The XXXX did this without putting it in writing. That they no longer offer bill pay services just 30 days after I started account with them. I sent out money order after XXXX XXXX  declined my payment ... Right after bill was declined PayPal would no longer let me view the electronic billing statements for the PayPal credit services. They started out by saying there is a security issue. They blocked my public IP address an I had to use VPN to regain access to view PayPal account. Later they told me mix words security issues we are updating our policy an our web site and it took them 60 days. Once they reopened my account billing statements for PayPal credit they were still gone. They refused to tell me anything except for the very last second. When they already sent my bill to the collection in PayPal credits private collection agency. I ask them what happened they said we never got your payment. I sent {$150.00} money order by mail and on record I never made payment 's I always paid the full amount. Despite them losing my money order they hid my billing statements refused to mail it or show electronic statements. They also from the very beginning refused all debit card 's an said they are not allowed to be used to make payments with our PayPal credit services. That I needed bank routing numbers or check or money orders. As I was speaking with there collection the guy just said we take debit cards. I go what?!!! you made me get another bank account to make payments. The guy said no we can take Debit cards over the phone, who told you that? Here we go now I have provide evidence. I ordered them to close account in order to save my credit report. They took {$150.00} from a XXXX person an I pay my own medical bills. I made a complaint to XXXX and later on the phone with PayPal they said we are PayPal credit. I also found out PayPal owns XXXX XXXX an caused billing failures from all directions. I never given a chance to cover {$60.00} on fast-food. It's only thing causing interest. So XXXX XXXX, PayPal an PayPal credit work together to cause me hardship. This bill is 60 days old because PayPal lock it down for 60 days an they still refuse to let get copies of billing statements for PayPal credit services.

Company response to consumer: Closed with explanation