Consumer complaint received 2020-06-18
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, in the facilities of XXXX XXXX we were approached by my husband XXXX XXXX and my XXXX XXXX, a lady telling us that for having an annual pass we had a free week gift from a resort, to be removed we had to go to XXXX facilities located at XXXX via XXXX, XXXX XXXX XXXX Fl. 
On XX/XX/XXXX we attended to withdraw the gift but first they made a presentation in XXXX ( Our native language ) of a hosting service and we agreed to take the smaller program called XXXX for a value of {$2800.00}, it should be noted that this membership does not It is a timeshare, they explained that it worked similar to an advance payment, where a monthly fee for 24 months is disbursed which is the duration of the membership and that could be used after making consecutive payments for fifteen ( 15 ) months, it is say you only have 9 months to make use of it, because it is a trial program, the places to book are limited, and must be done in advance. We received a contract in English in addition to the gift ( XXXX Certificate ) and they indicated that we would then receive the rest of the documents with my associate number to be able to domicile a card or bank account to make the payments of the 24 installments. 
On XX/XX/XXXX we wanted to make use of the gift, supposedly due in 30 days and it was not possible, I wrote to the lady who approached us in the park disregarding the case, she provided me with a XXXX contact number, but there was no operator that will speak XXXX. We keep trying to think that we didn't know how to use the certificate, but it wasn't possible. 
On XX/XX/XXXX, my husband and I returned to the XXXX XXXX XXXX facilities. We were attended by Mr. XXXX XXXX who identified himself as supervisor or manager of the XXXX  program, my husband showed him the inability to use the certificate they gave us as a gift, entering the certificate account and doing the search on different dates until reaching Twelve months even if the certificate should be used within a period of 30 days and I say that because of this bad experience we did not want to stay with the program, we also realized that it would not be useful since we would only have 9 months to be able to make use of it, where we had to coordinate the availability of some accommodation ( which are limited ) together with the availability of each family member. Kindly and apologizing for the inconvenience, we delivered a cancellation form to complete and a blank sheet to expose the cancellation of the contract. He handed us copies with the stamp of receipt of both sheets and asked us for the contract saying that everything was already without effect. By this date, the rest of the documents with which I had to affiliate my bank information to start paying for the program had not yet been received. These documents were received in the week of XXXX XXXX, which I discarded because we had already made the cancellation. 
At the end of XX/XX/2019, I received a call indicating a delay in payment, I commented that there was an error since it had been canceled and therefore to date they did not have my affiliated bank information, they told me they would open a dispute for the above. 
At almost the end of the year, the calls from Comenity Capital Bank began again, indicating that the dispute did not proceed since XXXX explained that he made the cancellation after 10 days of the termination period At the end of XXXX they left me two voicemails, telling me to contact the bank with a lawyer. I call them in XXXX and they tell me that I have a delay in my payments of five installments for a sum of almost {$600.00} and that they were making me monthly charges of {$50.00}, and that I should catch up before XX/XX/XXXX, after talking with several operators and request a payment schedule, one of them explains to me that the account was taken to collection with a high interest rate, therefore making the monthly payments agreed in the contract the debt is paid in 9 and a half years. Obviously these facts have negatively affected my credit history, but I want to make it clear that I have not made any payment, since two months of payments appear in my credit history ( XXXX and XXXX XXXX I declare that I have felt cheated by a fraudulent gift due to its inability to use, because it is an instrument to take people to a sales presentation, by a manager who  assured me that the contract was without effect, in the facilities where it took Check out. 
I feel intimidated by Comenity Capital Bank who told me by telephone call that they will contact my employer ( I do not have a job ), that they will take the reimbursement of my taxes, that they will affect my Social Security, that they will affect me with the IRS. But above all I do not understand why I am obliged to pay a contract that was canceled at the home office when I had not yet received the complete information, for debt of which in addition to inflation I have not received any good or service in exchange for the date and that I will not receive in the future either

Company response to consumer: Closed with explanation