Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Your prompt is not asking for the right questions. My complaint is Fraud and misrepresentation.

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX To Whom it may concern : I am writing this letter on behalf of the many thousands of consumers who would never take the time to do so.

This letter will represent itself and all the many charges against The Home Shopping Network. Not legally charged with, but did legally occur 1. Misrepresentation of goods and services 2. Fraud 3. Selling products they dont have 4. Not being able to or equipped to resolve consumer complaints 5. Continuous and inaccurate or disputed credit reporting by Comenity Bank and HSN ( My complaint as well ) 6. Poor quality control 7. Items not refunded 8. Items not working when received and refused to take back 9. False Advertising 10. Items considered poorly manufactured 11. Items delivered damaged 12. Company grants coupons, but will not accept them 13. Kept charging customer after payment was received ( My complaint as well ) 14. Would not provide transaction info to verify accuracy of payment or services provided ( My complaint as well ) 15. Taking advantage of XXXX and XXXX older consumers ( My complaint as well ) 16. Charged customers for items not received 17. Selling defective items 18. Holding themselves non-accountable ( My complaint as well ) 19. HSN or Comenity Bank tells you that your account qualifies for Flex Pay but never gets there 20. Promise additional items at point of sale. But dont deliver 21. Consumer tries to use an affiliate Credit Card and cant 22. Stealing Customers money 23. Orders are cancelled without consumer knowledge 24. Money to pay for HSN credit card is deducted from consumers credit info on file without their knowledge They personally reported false information for 2 years at the Credit Bureau causing great financial burden to myself and my family. The information was inaccurate and disputed. But they reported it anyway.

I finally paid them off to get rid of them and there still reporting derogatory information in regards to my account. The credit bureau is just a co-conspirator in these events because HSN and Comenity Bank pay the credit bureaus monthly and I dont pay them anything.

Companies like this should not be allowed to operate in these United States. You hear frequently about scam opportunist or scam companies. But its hard to believe we have one in our back yard The charges and allegation made on this letter come from myself and 22 legitimate websites that review companies like HSN and Comenity Bank. Of the 900 plus companies they have reviewed, they consider HSN in the 300 of the worst companies operating in this Country. I will upload the 22 documents to your site upon completion of this complaint.

Some of the verbiage in these documents are grievous, liable and should be addressed with the greatest concern for consumer public safety. I know from previous complaints to your company. Your results lack of the best intention to the consumer. I hope this will not be then same for this matter.

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Company response to consumer: Closed with explanation