Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
After speaking with employee named ( XXXX ) employee number XXXX, and store manager XXXX, who on the phone knows the gentleman that I described that helped me process my payment when I came into the store personally after receiving a late fee for non-payment after the card was only used once in late XXXX the day they signed me up for the card for a small percentage off of one item that I bought, after that I never received a credit card in the mail and never activated the credit card with comenity Bank. I received notice that the account was suspended due to non-payment, and XXXX went on record to say that they would have me on store video that I came in to pay the bill and the gentleman could recall me and that the registers were acting up that day. 

So they signed me up for a credit card to give me a small discount, after that I never received a credit card only a bill for a late fee, so I went into the store personally so it wouldn't affect my credit score, and the payment seem to go through at the register at the moment but I can't find it on my bank statements. And now the bank responsible for the credit of {$300.00}, has suspended the account and hit me with a hard foul on my credit score that will be there for 2 years.

I called the company and spoke to the employee number XXXX named XXXX, where he gave me a PO box to submit a complaint and then I had him close out the account.

I suspect this company of fraud.

I worked very hard to try and keep my credit score, after all I have been trying for years to make XXXX. Nearing the age of XXXX and not being able to get out a home loan because my credit score, and so I have the mentality, but this store had fraudulently and completely blindsided me and decreased my credit score by XXXX on one of three of the credit bureaus. This is outrageous!

They signed me up for the card charged me once and then never gave me a credit card and then when I went into the store to pay the bill the machine said I paid for it but then later it didn't show up on my bank account.

This feels like a personal attack.

I'm waiting for a bank statement to give me my account number so that I can print screenshot copies of the fact that the card was only ever charged once the very first day that they signed me up for it when they asked me at the register if I would be interested because it gave me a discount on the items I was purchasing.

The store employees said that they would provide video proof if it came down to it. 

XXXX the employee XXXX, said that he could see that the charge was only ever once in late XXXX w

hen they signed me up for the card. And that he could see that the card was never activated. And it was never used again. The problem I'm having is that when I went to the store personally to pay the bill and it looked like they charged me, and I will have to look for a receipt, but I'll have to find it on my bank statement so I know the day and the time so they can review the video footage. This feels like fraud and a personal attack. I will never shop at outdoor athletic again. But as long as the employees are nice to me and cooperative I will try my best to personally file for the dispute as well as this complaint description in order to solve this for myself. 

Thank you XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation