Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/year> i purchased a very expensive ring from saks fifth avenue. When the item arrived package was left at my front door. I opened package to see that the wrong item was sent to me. I contacted saks and i was sent a shipping label. I sent the item back the very next day. Item was delivered back to the warehouse and while there, they never refunded the money spent from my card, but without informing me they sent back the wrong item to me stating that they could not find item under my account. Which they would not have, because the wrong ring was sent to me from the very beginning. When the item was delivered for the second time. I contacted saks and i explained what was happening. and i was told specifically that i should have called, so i can send pictures. After i sent pictures, they sent me another shipping label on XX/XX/year> which was XXXX. Days and weeks went by no refund and i was being charged interest on my account for a product that i did not have, but was forced to pay. i escalated the issue about 4 times and still did not get a refund. I even reached out to commenity bank and they reached out to me saying that i had to resolve with saks and included in a letter what i ordered and a signature that was not mine. I never signed for the package when it was first delivered. I got home and package was sitting at my doorstep. Again i reached out to saks the very same day after receiving letter from commenty bank I spoke to a supervisor. And shockingly he said he doesnt understand why they didnt send package back to me. And i said to him why would saks want me to take rersponisbility for an item that i never ordered and was sent to me in error on behalf of saks warehouse.So i was charged {$6800.00} on my saks card and i have nothing.I dont have the ring i ordered neither do i have the wrong item. So saks basically stole from me, refuse to reimburse me and is forcing me to pay on my credit card with interest. This is has to be FRAUD!! all returns were in the time frame of the return policy. Which shouldnt even matter when the company is in the wrong and at fault .To make matter worst they state that the item that they sent to me in first delivery which was incorrect will be on hold an will not be shipped back to me. So they charged my card sent me the wrong item.Deny sending me wrong item then kept the wrong item. Lied in statement that correct item was sent and signed for which is not true. my bill is dued on the XXXX of every month and im billed and forced to pay for not having anything. And with such a high balance this can affect my credit and ive been so frustrated because everyone that i spoke with made it seem as tho i will be ok and i will be refunded. And 5 months later nothing has been resolved. I have never been cheated the way i have from any store, like i have with saks. and i have been so loyal and i have spent thousands at this store. I inserted pics of item that was sent to me in error. everything i send should be documented on there end. the original item i was suppose to recieve should be on website to compare. An emails between me and customer service.

Company response to consumer: Closed with explanation