Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
In late XXXX and XX/XX/2023, I purchased four ( 4 ) items using Bread Financial on the XXXX website. I was displaced by XXXX XXXXXXXX and all my belongings were in the spouse 's house who is XXXX, impaired and violent. Checkbooks, glasses, doctors, cards, passport, personal items, and everything I owned. Each item I bought on Bread Financial was for a monthly small dollar amount : {$5.00}, {$4.00}, {$3.00}, {$6.00} for a total of {$20.00} per month for 24 months in total. There were two additional items that had not been billed yet which were also for 24 payments over 24 months. Only people who are very vulnerable would fall prey to this fraudulent scheme. I made the first installment payments for {$5.00}, {$4.00}, {$6.00}, and {$6.00} and those installment payments cleared my XXXX XXXX XXXX XXXX checking account and then Bread Financial immediately withdrew the entire 24-month total amounts for the four items : {$84.00}, {$57.00}, {$120.00}, and {$96.00} for a total of {$360.00} instantly. In so doing, they bounced all my bills and other payments and cost me {$380.00} in insufficient fund fees and also emptied out the XXXX XXXX XXXX account used for insufficient fund issues which I have rarely ever had to use until then, along with my checking. I called Bread Financial immediately, and they tried to say I did it myself. NO WAY! I told them I have been paying bills for a very long time and I absolutely did not intend to pay off the full amount after paying the first monthly installments on time as required and the exact same day. They got the first installments and went right back for the total amount. Then they started switching me from person to person, saying they were transferring me to a " supervisor, '' and none of the numerous people who they transferred me to were ever " supervisors. '' They said there was something in the " fine print. '' I told them it doesn't matter what's in the fine print! What's illegal is still illegal whether it's in the fine print or not. You can't wipe out a customer 's accounts and blame the customer when I made no mistake. This fraudulent conduct by Bread Financial has cost me XXXX points on my credit score and lowered all the credit limits on my other accounts and its snowballed out of control for all my bills. So, to recap : four ( 4 ) loans were paid off but two ( 2 ) remain and I can not trust Bread Financial to enter a payment method after they stole {$360.00} and cost me another {$380.00} because of everything else they bounced. I said I'm even afraid to set up an additional checking account for the exact amount due in case they take the payment and go back for the total amount all over again and create another insufficient fund fee in the new empty account. They destroyed my credit, and I'm XXXX years old and separated, ill and broke and trying to start over after fractures from XXXX  XXXX and the spouse is nearly XXXX and impaired. I can't afford lawyers. He refuses to be assessed and his impairment presents as XXXX and at-fault car accidents. I've called and asked Bread Financial to rectify what they have done to me, and they start the phone switching again saying they're transferring me to a supervisor, but no supervisor ever gets on the phone. They ruined my credit and I'm trying to find a job as a former federal employee and start over. My phone number is XXXX. I took a job at XXXX to start while I keep looking for a living wage job. Please help me. XXXX XXXX XXXX ( XXXX ). My cell is XXXX, but I have few hours scheduled to work and they are sporadic and I'm still recovering from the fractures. Please help me.

Company response to consumer: Closed with explanation