Consumer complaint received 2024-12-18 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: CO

Complaint narrative:
XX/XX/XXXX, XXXX I ordered 4 bottles of perfume. They were on sell and by 2, get 2 so ya.. Maybe a little " overkill '' but, a deal is a deal .. so I thought. 

In the past, XXXX has been " weird ''. I had a CC with a higher limit. After years of perfect payments, they lowered it. Then again. Then closed it. Then gave me a card again... 

So I decided to use it since I'm building my credit. They are one of over 10 lines so XXXX, you always get paid, just like everyone else. This is no con. You can check my credit report. My score is not top-notch but I haven't missed a payment in half a decade and never plan to again. 99 % on over XXXX cards to keep building this and I intend to have it " golden ''. 

So, I wouldn't lie about not receiving a package I paid about {$150.00} for. I have XXXX cameras on my place. The rear one caught XXXX  leaving the court. The front cameras ALWAYS catch packages being dropped ... that is THE point, after all. XXXX did not stop at my place. They XXXX have had a temporary driver, maybe a bad day ... mistakes happen... but I believe it may have been dropped at a neighbor. 

Not all people are honest. I walked around looking for the package and somebody had already taken it in. Whoever XXXX gave it to, has hundreds of dollars ( it was on sell mind you ) worth of perfume along with my blanket that was supposed to be a gift and is normally what, XXXX? XXXX? I can't remember. Either way, to replace this stuff would be in the hundreds ... and that kind of sucks. 

I could live without the good but I would really like XXXX to re-ship. Honestly, I asked them to contact XXXX within MINUTES of noticing the issue. Literally, within minutes. They told me to wait 2 days because " it might just show up ''. They assume I'm an XXXX. Literally. I'm so tired of talking to companies that assume I'm an XXXX. I told them XXXX was in the court. I told them I saw them leave on camera. I told them it was almost definitely with a neighbor. They didn't wan na believe me. Because ya know, XXXX customers are always XXXX liars or at least, these companies always act like it. Would it not have been easier for EVERYONE to just handle this when it happened? Now, I'm going to have to press charges against the thief once I find them. Instead, XXXX could have just taken it back that day. Most people would have handed it back if the courier knocked. By now I assure you, the person has opened the items and is using them if they haven't sold them. They are a thief. And you allowed this, XXXX. 

Upon contacting them the first time : " Wait 2 days, it'll magically appear '' ( paraphrase ). Second time : " Chat isn't working ''. 

Well, I'm tired of chasing companies to pay them or straighten things out like a simple order. Every email bounces. Every phone number is a dead end or " it'll show up, give it time ''. 

IT WILL NOT SHOW UP. 

I DO NOT WANT TO PAY FOR SOMETHING I HAVE NOT RECEIVED. 

I WILL TRY CALLING ONE MORE TIME.

BUT SERIOUSLY.. Please don't do this to people. 
We come to you to build our credit and buy your goods. Treat us with a little respect. 
If you think I'm that low to try to scam you out of XXXX dollars then again, look at my credit. I don't play those stupid games. 

XXXX day, I will find a company that either simply " works '' or if an issue arises, simply helps fix it instead of turning it into some big drama... Then I wake up.

Company response to consumer: Closed with explanation