Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am writing to address the dispute filed on XX/XX/year>, which was initially handled by XXXX, and the second dispute filed on XX/XX/year>, attended by XXXX. Below, I outline the relevant points and add the legal basis for my claim. 
XXXX. Responsibility of the Credit Card Issuer Under the provisions of the Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ), the credit card issuer, in this case, Comenity, is obligated to resolve any disputes involving incorrect or fraudulent charges made to their customers accounts. This law establishes cardholders ' rights to dispute unauthorized charges, such as the purchase made under false pretenses by the XXXX salesperson. 
Section 170 of TILA : TILA states that in cases of disputes regarding undelivered or defective goods or services, the credit card issuer is responsible for investigating the claim and providing a fair resolution, which includes the possibility of canceling the disputed charge.

2. Deceptive Business Practices The sales process conducted by the Toyota salesperson occurred under circumstances of deceptive business practices, which violate basic contractual principles and the consumer protection provisions set forth in the California Unfair Competition Law ( California Business and Professions Code XXXX ). This law prohibits acts of fraud, deceit, and misrepresentation in the sale of goods or services, which applies to the sale in question. 
The purchase was presented based on misleading information, affecting my informed consent, an essential element in any contract. This vitiation of consent justifies the cancellation of the charges under the provisions of the aforementioned law. 
XXXX. Receipt of the Credit Card It is important to note that the credit card was received after my initial request made to XXXX, who was the first person to handle my dispute. The delay in issuing the card adds another element to the lack of transparency in managing my account, further reinforcing the need to resolve this dispute appropriately. 
4. Request for Resolution In light of the above, I formally request, in accordance with the Truth in Lending Act and the provisions of the California Unfair Competition Law, that : 1. The immediate cancellation of the disputed charge be processed, as it was made under fraudulent circumstances.

2. Written confirmation be provided that the investigation has been completed and that I am not responsible for this charge.

3. A copy of the corresponding credit card be sent, as was requested from the beginning. 
I appreciate your attention to this matter and urge you to take the necessary steps to resolve this dispute fairly and in accordance with the law. Should I not receive a favorable response within 30 days, I will be compelled to explore other legal avenues to protect my rights Second Part I am writing in response to your letter dated XX/XX/year>, concerning the purchase dispute linked to my Toyota Credit Card account ending in XXXX. I appreciate your efforts in investigating the issue and providing clarification. However, I would like to provide additional information to clarify the nature of this dispute and request further assistance. 
On XX/XX/year>, I made a purchase at XXXX of XXXX XXXX for a XXXX XXXX XXXX. Prior to visiting the dealership, I had specifically informed the sales representative, XXXX XXXX, that I was not prepared to make a down payment due to unforeseen circumstances. Instead, I was seeking a financing plan based on my good XXXX XXXX, with no down payment required. Upon discussing the financing options, the representative introduced the XXXX insurance at a cost of {$1200.00}. This amount was included in the financing calculations presented to me by XXXX XXXX, but it was later insisted that the XXXX should be paid through the Toyota credit card, which effectively made it seem like a down payment after the transaction was complete. 
I want to clarify that this was not disclosed in a transparent manner. The sales team failed to provide accurate and timely information, which has led to this ongoing dispute. I have tried resolving this matter directly with the dealership as per your instructions, but to no avail. 

As the saleswoman knew, since she had been told that there was no money for the initial payment, she received a message from XXXX XXXX XXXX with the information shown in the photo

Company response to consumer: Closed with explanation