Consumer complaint received 2017-09-14
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called XXXX credit card at around XXXX and they told me that i have 2 late payments whereas whenever I checked my XXXX credit card balance in the month of XXXX and XXXX XXXX ; the IVR guided me that the balance is {$0.00} dollars. I have been calling on their helpline number : XXXX ; printed on the backside of my credit card till today. 

Tried my level best to discuss the issue with multiple customer service representatives, they all were abusive and were misbehaving with me over and over again. 

I called the helpline only to request a new credit card as my previous credit card number got compromised ( some other person came to know of my credit card, because of that doubt I called the helpline ). The representative over the helpline told me that you have 2 late payments for each payment they were charging me XXXX XXXXto {$25.00} each. She told me you bought a medicine case for {$10.00} on XXXX of XXXX XXXX. Then I got a birthday gift card in the month of XXXX. I went over to the nearest XXXX store and got that receipt of medicine box adjusted, came out thinking that perhaps now I have to pay only {$5.00} dollars out of that because as per my memory i think the gift card normally XXXX send is worth {$10.00} but to me they perhaps mailed me a {$5.00} birthday gift card which the cashier at the cash counter in XXXX downtown area adjusted and even confirmed me. 

I told the representative that listen I have too many problems going on. I did n't receive the online or home delivery bill. Can you please remove the late payment because I am absolutely not interested in doing a late payment for a amount for which I got a XXXX birthday gift card and also the IVR since last 2 months gave me the information that I do n't have any late payment and the balance is {$0.00} dollars till this month. Few days back I just suddenly thought to check the status of this XXXX credit card and tried to swipe at one store,  I noticed that it got rejected whereas, the credit limit was not reached. 

I called the helpline upon this the CSRs at XXXX helpline were very rude, abusive and they were not letting me talk. over and over again almost more than 6 or 7 representatives were misbehaving and when I talk to their team lead / senior representative she removed one of the late payment but when I told you to remove the second late payment as it is not my fault ; it is XXXX fault that they did n't adjusted the gift card and reward points towards my purchase. Their team leader /supervisor or the supervisor at community bank helpline started yelling at me and was very abusive and taunting. Please look into this fraud as abuse because this did n't happen to me for the first time, it happened few times that the store banks tried to abuse me for personal fun and media purposes because there are a lot of people who know me and they abuse me so that media talk about it and enjoy this abuse. The sad part is how come the people or media or other organizations are so abusive that they buy things / services from those organizations who abuse their customers or are abusing me for media or personal fun purposes. 

I told the representative of XXXX to completely close my account as i do n't need their services and will only pay {$5.00} to 6 dollars. i will not pay the late fee fraudulently imposed on me by XXXX credit card - community bank. 

Kindly, look into this issue and take a serious action against this company.

Company response to consumer: Closed with explanation