Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (MI)

Complaint:
I WILL TRY TO SIMPLIFY, ,HAS BEEN GOING ON FOR OVER a year. i purchased a mattress XXXX XXXX... it was badly defected went the next day into the store they absolutely would NOT help..would not come to the house to inspect. had to find a phone # to get customer ser, to come out. months went by the cust. ser. stated it was very badly defective ... ... months went by..the first payment went to their bank billing dept which I PAID and I ASKED FOR A REFUND THEY WOULD NOT DO IT ... ... THEY STATED IN XX/XX/XXXX TO GET A REPLACEMENT THE STORE NEEDED ANOTHER PAYMENT AND FOOLISH AS I WAS I WENT TO THE STORE TO MAKE ANOTHER PAYMENT... WHICH THEY DID NOT NOTIFY THEIR BANK THAT THEY RECEIVED IT SO THE BANK DID NOT KNOW..NOW I WANT YOU TO UNDERSTAND..I PURCHASED THIS MERCHANDISE IN XXXX AND THE FIRST OF XXXX NO LONGER WAS THAT BANK STILL WORKING FOR THE RETAIL STORE..I TALKED TO THE XXXX XXXX XXXX AND TALKED TO THE BANK AND THE RETAIL STORE AT LEAST 100 TIMES TO NO.. AVAIL ... THE BANK WANTED THE MONEY AND THE RETAIL HAD NO IDEA OF THE SITUATION BECAUSE THEY HAD NO CONVERSATION.. WITH THE BANK ... ..IT GETS WORSE AND WORSE... I AM SO SORRY I EVEN DID BUSINESS WITH THEM THE DAY I PURCHASED THE MATTRESS FROM STORE THEY MADE THE BANK DO A HARD HIT ON ME WITHOUT MY AUTHORIZATION HAD NO IDEA AND THAT ALONE IS AGAINST THE LAW... IT BROUGHT MY CREDIT SCORE FROM XXXX DOWN BELOW XXXX ( FAIR ) I WORKED HARD FOR THE SCORE THE BANK WANTED THE MONEY EVEN THOU THEY WERE ... ..NOT ... ..WITH THE RETAIL STORE ... I SAID IT IS YOUR LOSS NOT MINE... I DID EVERYTHING CORRECTLY ... AS IT TURNS OUT THE BANK ( COMENITY BANK ) AND THE RETAIL STORE ARE BOTH CROOKS ... .I EVEN SENT IN TO THE COMMENITY BANK DISPUTE DEPT WHICH THEY DID RECEIVE THE ENVELOPE WITH ALL THE INFORMATION ( THE CORRECT INFORMATION ) THEN I KEPT CALLING BECAUSE THIS WAS IN DISPUTE SINCE XXXX AND THEY CAN NOT ADD ADDITIONAL FEES BUT THEY DID ... AND MY CREDIT SCORE HAS GONE DOWN!!!!! I WILL NOT ADMIT TO LIES ON THEIR BEHALF... I SAID TO THE BANK IT IS YOUR LOSS BECAUSE YOU WERE NOT TELLING THE TRUTH AND THE RETAIL STORE WAS DOING THE SAME I THOUGHT I WAS ON A 18 MONTH LOAN TO PAY THE AMOUNT WITHOUT INTEREST ... THE BANK PAID THE RETAIL STORE THE DAY I PURCHASED AND THE RETAIL RECEIVED ADDITIONAL FEES WITHOUT THE BANK KNOWING THE REAL TRUTH... .I TALKED AND TALKED FOR MONTHS AND GOT VERY SICK ON THIS MATTRESS WHICH I TRULY BELIEVE SOMEONE ELSE HAD BEFORE ME... 
AS THE STORY GOES COMMENITY BANK ON XXXX CLOSED MY CHARGE ACCT. THEY WERE WORRIED I WAS TAKING THEM TO COURT ... AND SHE THE SUPERVISOR CALL XXXX CREDIT BUREAU TO PUT A HARD HIT TO CHECK MY CREDIT SCORE WITHOUT MY AUTHORIZATION AND IT BROUGHT MY CRDIT SCORE WAY DOWN PROBABLY A XXXX POINTS ... THE BANK HAD NO RIGHT WITHOUT MY AUTHORIZATION... NOW I AM DOWN BELOW XXXX SCORE OR FAIR WHERE I WAS EXCELLENT AT XXXX SCORE,,, ,MY REAL PROBLEM IS I WAS GOING TO PURCHASE A HOME IN THE FALL AND THIS IS HURTING ME... I HAVE NEVER HAD PROBLEMS LIKE THESE SCAMS THAT ARE GOING ON NOW ... .I WANT XXXX TO REMOVE THE BAD DEPT ACCT. AND PUT ME WHERE I TRULY BELONG ... .EXPERIAN NEVER NEVER LOOKED AT MY CREDIT JUST DID WHAT COMMENITY BANK WANTED ... WHAT THE XXXX IS THAT I COULD SAY ALOT MORE AS I AM VERY VERY ANGRY AND I WAS GOING TO SEE MY ATTORNEY BUT I AM NOT PAYING THE BILL I DO NOT DESERVE... 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief