Consumer complaint received 2024-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
Received an email today, XX/XX/XXXX Delinquent Account Company : COMENITY BANKXXXX Reported by : XXXX XXXX ; male ( XXXX? Foreigner ) again, refused to accept my credit card to pay full amount of {$76.00} and close the account out. He said they can only accept a Debit card or bank account ; this is ridiculous! I dont have the monies in my bank account now but when I did they ( XXXX XXXX ) refused to accept without charging me. 

There is a serious issue of deception with this company! 

XX/XX/XXXX ; incoming call from XXXX XXXX after I requested her name ), she said she was calling because my account is {$37.00} past due. I replied my account ( XXXX XXXX XXXX is a new account, my first payment minimum ( {$30.00} ) in XX/XX/XXXXXXXX   is due each month before the 13th of each month ; I paid {$100.00} because I was having a medical procedure in XXXX, so I paid in advance. XXXX rudely replied that you can not make advance payments ; I replied how would I know that, it wasnt explained on XX/XX/XXXX when I made the {$100.00} on the phone to the customer service representative. She kept saying my account was past due and I repeatedly requested to speak with a manager ; XXXX told me there was no need to speak to a manager because youre past due. 

After I asked XXXX, youre not going to let me speak to a manager ; she then said one moment. After holding for a while a female came on and said her name was XXXX, the Account Supervisor.

XXXX  repeated the same thing XXXX said, that we dont take advance payments ; I replied you did, your representative accepted my {$100.00} advance payment on the phone on XX/XX/XXXX, why that wasnt explained to me then. I said Im not the staff, I dont know if its not explained ; XXXX XXXX Account Supervisor ) rudely replied you should its in your statement. FALSE! I told XXXX, okay I will follow up with the Attorney Generals office to see what I should do, since you dont care about consumer rights and hung up. Now its strange that when I paid the {$100.00}, my balance was {$44.00}, I, also, had a credit of {$22.00} for a return and it took forever to get the credit for the return item that they sent me duplication of. 

made numerous attempts online and called to get help making the payment but your customer service rudely told me I need to try again online because she will have to charge me. 
This is the date and information I logged on the call : XX/XX/XXXX ; ( XXXX-female ) called ( XXXX ) XXXX because after numerous attempts to login to ( XXXXXXXX ) ; I kept getting this error message : We're experiencing an issue with Account Center that may affect your ability to sign in to your account. We're sorry for the inconvenience. Thank you for your patience while we work to understand the issue and fix it as soon as possible. 
So, I couldnt make a payment online, this has been an issue since I opened the account and registered. 
XXXX said my balance was {$44.00} and I had a credit of {$22.00}. She emails me the website that I said already have because she will still charge me if she takes the payment ( RUDE/Poor Customer Service XXXX XXXX this is why I requested to close the account out. I have had nothing but issues since I opened the account in XXXX, XXXX. It doesnt care about quality customer service nor customer friendly system. 
I told XXXX I will call the corporate office on Monday to make a payment and insure the account is permanently closed! 
Your company has been problems since I applied for an account, if you want your final payment, have someone assist me in making that final payment and close my account. 
You cant email or reply back to you, its very frustrating and poor customer service. 

XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX

Company response to consumer: Closed with explanation