Consumer complaint received 2018-04-22
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: MI

Complaint:
I am requesting and truly need your help. I was deceived and did not make the charges in question on this XXXX XXXX XXXX Card. I originally ordered one free essential oil on XXXX that was free and you only paid {$6.00} shipping and handling for. There was a limited timer on this add that said the offer was only good for ten minutes. Since then I have received repeated charges for products that I did not want or believe I ordered, again a fraudulent scam that is trying to take advantage of consumers. There are a multiple different names of merchants and phone numbers that do not match. When I called XXXX XXXX-XXXX-XXXX, they said the only charge they have on file was an essential oil that I ordered on XXXX on XX/XX/XXXX, which I used my XXXX XXXX credit card for ( have proof in my possession ). They will tell you that the other charges on my XXXX XXXX  XXXX card are not from XXXX, and can not explain where the other charges came from. I have been completely scammed, taken advantage of, and have fraudulent charges on my XXXX XXXX XXXX credit card due to a XXXX ad scheme. There is a second charge of {$6.00} on XX/XX/XXXX with no explanation when the XXXX ad said there was a shipping and handling charge of {$6.00}, never saying two charges. When I called XXXX XXXX XXXX-XXXX-XXXX, they said that I had ordered an essential oil on XXXX, which is true, but I honestly believed I was ordering a free oil and serum, paying only one charge of {$6.00} and that was it. They claim that I enrolled in a program to regularly receive their product, which I honestly swear I did not do nor believe I did. I do not want and have never wanted any program of products. After doing my own investigating, although the merchant names and phone numbers do not match, I believe all of the charges are coming from XXXX XXXX XXXX-XXXX-XXXX. ( The real name of the company may actually be XXXX XXXX XXXX, although no XXXX XXXX credit card statement ever lists that name at all. ) I have charges on XX/XX/XXXX of {$69.00}, XX/XX/XXXX of {$59.00}, XX/XX/XXXX of {$69.00}, and XX/XX/XXXX of {$59.00} that should not be there. The same merchant is also listed as XXXX on my statements as well. I did receive two packages, tracking number XXXX and XXXX, which I believe are the XX/XX/XXXX and XX/XX/XXXX charges and wrote Refused. Return to Sender. After continual contacts with the merchant myself, I did received the XX/XX/XXXX and XX/XX/XXXX charges returned to my XXXX XXXX  XXXX credit card. I desperately need all my money returned to me, as I have never had any intention of ordering products and did not believe I signed up for anything. I honestly have not received any other shipments, and when I asked the merchant for the names of the products I supposedly had received they refused to do so. I have repeatedly contacted XXXX XXXX, had to fill out a lengthy report, and have been repeatedly told that they are going to do nothingthat I received some of my money back. ( All money I have received back has been due to action taken on my part. ) XXXX XXXX  keeps telling me to contact the merchant, and the merchant keeps telling me to contact XXXX XXXX.

Company response to consumer: Closed with explanation