Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Bread Financial Holdings, Inc. (SC)

On XX/XX/XXXX, I purchased a XXXX XXXX sofa. On XX/XX/XXXX, I returned sofa back to the store -- at first I was told that I couldn't return sofa. I then contacted Headquarter regarding the matter explaining the issue and after that XXXX  XXXX  ( XXXX  ) of XXXX, SC manager called me saying that I can return sofa -- which I did. 

Forever reason, credit was not issued to Comenity Bank ( CB ), and CB is harassing me for payment. I explained to CB that sofa was returned, to get in touch with XXXX. My guess is that CB and XXXX is not communicating with each other. I have received numerous text message, letters, and phone calls -- I asked CB to stop contacting me and to deal with XXXX  -- but they are still contacting me. On several occasions I have been in contact with BL 's store manager, who stated to me that he is not obligated to talk with CB. 

I received a letter dated XX/XX/XXXX, stating to allow 90 days to complete their investigation. All the while I was in touch with CB and XXXX  trying to settle this matter. During that time I was also receiving phone calls and text messages to get in touch with them about my past due. I asked them to stop contacting me because I had sent documents showing that sofa was returned. Again, I received a letter dated XX/XX/XXXX stating that according to the return receipt, a credit was issued to me as a " gift '' card, and not to their account. To my understanding I was told that if I wanted to purchase any thing else -- which I said I would not be purchasing anything else because if I had problem with that sofa, it could happen again -- I just don't trust them any more. I repeatedly said to CB and all the customer representatives that I had no intentions on using the XXXX  Credit Cart ( not a " Gift '' Card ). 

On XX/XX/XXXX, I spoked with a XXXX  specialist, explained things to him. He advised me to return the XXXX Credit Card back to the store -- which I did that same day -- he also said that if store XXXX did not accept XXXX Credit card, that he would contact the District Manager. I explained to store manager what the specialist had said. I asked him if he needs to know who I spoked with -- he said no. Manager stated to me that he was unable to issue credit back to card, that an error occurred. The same day, XX/XX/XXXX, I call back with no success. The next day, XX/XX/XXXX, I got a different representative, I explained things to her as well. The representative asked me to give her the XXXX Credit Card -- which I did and she stated to me that she would give it to their accounting office and to get back in touch by today, XX/XX/XXXX. I did call and spoked with another saying that the 30 days policy has expired to return sofa. 

There is no question about date of purchase and date of returned. XXXX knew all of this -- and with their approval, sofa was returned. Now CB and XXXX  want me to pay ( {$1000.00} ) for something that I don't have. I don't have that kind of money to pay for something that I no longer. 

Unable to load documents -- will mail