Consumer complaint received 2024-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (FL)

I was on vacation in XXXX XXXX on XX/XX/year>. I had a man ask me into his store, XXXX, when I was walking through a shopping plaza. I said no was on my way back to the hotel where my husband was waiting. He said no problem I just want to give you coupon to the store we are opening in XXXX Florida where I am from. Just take a minute. I was there over XXXX hours just trying to get back to my husband. It was one product after another. I had kept saying no and then decided the best way to get out was to just get the product and I could return it or cancel it. Now that I think back it was very strange how they made you fill out a shipping label for each item individually. Then after filling out the shipping label, they would hand it back saying they just needed the signature to verify it was the correct address. As I said this went on over XXXX hours. The people were just talking about their families to me and showing me pictures of their children. I was in like a dental chair laying back with him standing beside me while all this was going on. I honestly could not wait to get out of there. I even told him I would never use the products ; I one point I said get this off me they made me XXXX 
Finally, I gave in and said fine just let me get this done to get back to my husband. I guess they know to just keep badgering older women, XXXX, on their own until they give in. 
Got back to the hotel and told my husband what I had just gone through. I was going to go home and call them to cancel it. 
We got home the XXXX of XXXX which was a Saturday and just before XXXX XXXX. 
Once at home I went to check on the company and see if other people had had the same issues as I had had. Oh, yes many said the same thing. Then I checked further and found the equipment was dangerous to use if you were taking medicines that would not let you in the sun for extended periods of time, which I am on. 
On Tuesday, XX/XX/XXXX after the holiday weekend, I called the company telling them I wanted to cancel the orders and that also I was unable to use all their products. She said no problem will we swap them all out for one of their products that was safe to use. I said why would I want all of them the same when each was supposed to do different things. I said no I want them all cancelled. Then that is when she said, " Well you can't get refunds ''. I said I don't want them it will not be a refund you still have them I don't have any of your products. She said sorry they have already been shipped to you. I said then I will refuse them. I actually was not at my home the first time they tried to deliver them, then I left to take my daughter, son-in-law and granddaughter for XXXX weeks to XXXX. I was out of the country the second time they tried to deliver. As it turned out I never did refuse the delivery. It also was very odd that the order was placed to be shipped by the company the day before I called, which was Monday XXXX XXXX. 
Now I have no products and have paid a total of {$9200.00}. 
I put in a request to have this charge removed from my account. They refuse because XXXX says I signed the no refunds shipping page, I called and was told NO refunds, and I refused the order. They are in the right said Comenity Bank when they sent me the letter on XX/XX/year>. On XX/XX/year>, I wrote a rebuttal letter and mailed it certified mail. They responded to by telling me to submit a billing dispute. That was a great reply since I was doing a rebuttal to the response of my dispute. On XX/XX/year> I again tried reaching out to Comenity Bank asking for a refund since I don't have anything to show for over {$9.00} XXXX dollars. They responded 2 days later on the XXXX of XXXX to tell me this claim was already closed and that a letter had been sent to me on XX/XX/year>. 
In my opinion XXXX has fought this battle many times and knows just what the credit cards want to see to justify the charges. 
I believe in my heart this is an elaborate scam to scam old ladies out of what money they do have, and the credit card company goes right along with it. It seems like a polite, legal way to steal from people, or should I say scam. 
I do not want the products, but do not have any products from them. I just want my {$9200.00} back.