Consumer complaint received 2024-10-21
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MD)

This includes Torrid, Children Place, and XXXX XXXX cards. 

There has been representatives that has been instrumental and trying to help get my account reset to use online payments again but nothing that they did had reset or had worked. The only thing that seems to work is that they want me to have or obtain a new bank account. They online site say my account is no good. Which is unfair due a problem they created on their own when they were switching Companies. This has been an extremely difficult process to try and pay my bill online or when I call. I do not always have XXXX minutes or more to wait for an respresentative to explain why I need the fees waived over the phone to make payments.They were instrumental to trying to resolve the problem, reset the account, to get my account online to pay monthly from my XXXX XXXX account. They even sent me to technical support nothing worked. Due to this issue, I have incurred late fees through tout the 2 years this has been going on. Which affects my credit report and me paying my other credit cards bills on time because of the fees. Now I find myself having to go to the store to pay the credit cards, which in my busy schedule I do not always have time to go to the store and because of that it slips my mind because I am busy. When I go to the store to pay if I'm not carrying the store credit card with me it's even more difficult because I do not have the option to pay with my debit card and/or the store doesn't have the option to look up the store credit card. Most times I have to stop pass the bank or take money out of the ATM and is charged fees. XXXX XXXX XXXX  is unable to look up my account if I do not have their credit card, and do not have the option to pay with a debit card/bank card. The Children Place are able to look up your account, but you do not have the option of paying with your debit/bank card. However, Torrid can look you up and you have the option of paying with your credit card which is somewhat better but I still have to go to the store and unable to use or have the choice of using online services as these companies promise you have the option to pay the credit card bill. When I agreed on applying and obtaining these credit cards I thought that I have a wide availability to choose how to pay my payment and the convenience of doing that online. This issue started in XX/XX/year> when they changed over to another company and we was told they were no online payment option while the process of them switching company 's or they system. I did that with their representative and the result was duplicate payments for the Children Place, Torrid, and XXXX XXXX XXXX. Which I had to get back from my bank and an investigation had to be done by my bank and XXXX other companies sent back my money and a check form. I believe it was Torrid and XXXX XXXX XXXX. So I am asking that these negative marks be removed off my credit report, all my late fees I have paid and incurred during the pass 2 years be added to the my store credit card account or my debt forgiven with no negative statements or delinquent on my credit report in good standing and close the account. This has been going on for too long there has not been a remedy to get my banking information cleared with you all. Inflation is at its high right now, the extra fees, the option of not paying online, visits to the store, and phone calls to make the payments with waiting for a rep. to waive the fees has been XXXX  to my XXXX  and XXXX XXXX, finances, and credit report. I have been very patience. This is extremely stressful towards my XXXX XXXX XXXX XXXX  as well as my finances.