Consumer complaint received 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have had issues with XXXX XXXX XXXX for months now. On XX/XX/XXXX, I saw a payment of {$250.00} try to pull from my XXXX bank account. There was no {$250.00} payment scheduled via the XXXX XXXX Account XXXX. I did not have the funds, so it NSFd. On XX/XX/XXXX, it pulled again. I had just gotten paid, so it did fully come out of my XXXX bank account. However, again, I did not have a {$250.00} payment scheduled. I did have a {$200.00} payment scheduled for XX/XX/XXXX, which I cancelled in the interim while trying to rectify whatever was going on. In addition to the {$250.00} bill payment not being scheduled on my Account XXXX, it was also not reflecting. There was no evidence of it anywhere, despite having provided my bank statement and ACH TRANSACTION NUMBER. XXXX said it never happened and kept it at that. They did file a dispute, but they found no evidence of the XX/XX/XXXX payment, and basically said Sorry, but we have no record of that payment. You did not make a payment. every time I reached out via email and through the customer service number. I provided this info to XXXX, they disputed the charge on XX/XX/XXXX due to everything I provided, and the money was returned. I logged back into XXXX XXXX Account XXXX to see a return check charge and the XX/XX/XXXX payment I made for {$250.00} reversed. When I called XXXX, they said my bank disputed that XXXX payment. I provided the dispute letter with the XX/XX/XXXX date, and asked to be transferred to a XXXX. The XXXX said the return check is valid, your bank disputed {$250.00}, and the last payment for {$250.00} was XX/XX/XXXX. Call your bank for help with that. I can not help you further. and they basically hung up on me. XXXX sure I was frustrated and my tone was annoyed, but I had been getting the run around for weeks, and absolutely no one would help. I reached out via social media, who said their accounting team would be looking into my account. I got a letter in the mail saying the return fees, late fees, etc. were valid and they would no longer allow me to make payments from my XXXX bank account- which was extremely distressing. No one will discuss the XX/XX/XXXX payment, despite my bank statement/ACH transaction number/XXXX  dispute letter, XXXX it never happened. On XX/XX/XXXX, I made a {$200.00} payment from another XXXX bank account ( opened a savings ). I logged into the account center today, and see XXXX payment on XX/XX/XXXX for {$200.00} and XXXX for XX/XX/XXXX for {$200.00}. There were no other scheduled payments showing on my Account XXXX so I have no idea how that double payment happened. And XXXX will say it is my fault. I will be hit with another return check charge. And I will be liable for that too. I cant tell you the amount of mistreatment Ive received from this company, the number of fees Ive been hit with ( that are always valid and always my fault ), and the undue stress this has caused me. Not only is it unfair, its negatively affecting my life ( extra charges, XXXX XXXX, XXXX  ). At this point, its pretty clear there is evidence of unfair, deceptive, and abusive practices. Additionally, there is a lack of transparency in financial transactions, and very limited recourse from XXXX for consumers when things go wrong.

Company response to consumer: Closed with explanation