Consumer complaint received 2017-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I luckily got approved for a credit card with bon tons, previously reported unregestered doing business n fraud '' as XXXX XXXX, at XXXX XXXX XXXX, .I reported previously, XXXX vs XXXX XXXX, XXXX all dez, XXXX XXXX XXXX crooks that the cards are, I mean the banks are guilty of. A " Rico '' fraud scam.XXXX XXXX  from my first day of getting approved has been getting paid by me cash at the location, actually a few times I paid '' at least 1time I recall n did n't get a receipt.regarding paying my bill.I was instructed to pay my bill each month something on it before the billing cycle because that 's wat gets reported '' XXXX XXXX has deliberately during sales periods which I 've reported failed too keep ( 1 ) computers from crashing " ( 2 ) XXXX XXXX has allowed people over the phone at their private '' homes way out of pennsylvania, n many other areas, too maintain n store our card # ' $ some kind of way because the " rerunning '' of the card actually was recharging '' the card billing for non " received '' items or products I never got, that never went through "! ( 3 ) I HAVE NEVER MISSED A PAYMENT N MY CARD AFTER 3 CASH PAYMENTS UPGRADED IMMEDIATELY! XXXX FAILED TO UPGRADE MY ACCOUNT BALANCE VERY ACCURATELY AND TIMLEY, ( 4 ) XXXX INTENT '' WAS TO DEFRAUD ME N IT HAS N DID ''! ( 5 ) XXXX DID N'T CREATE ANY CUSHION ROOM NOR DISCLOSE TO ( ) ME ) A IDTHEFTVICTIM '' THAT THEIR COMPUTERS DELETED, SPOILAGED HAD ERASED, FAILED TO KEEP UP EACH '' IN STORE PAYMENTS ONE AT JEWELRY STORE WITH MY CARD ,1AT PERFUME counter ONE UPSTAIRS ETC, SOMETIMES I EVEN " DOUBLED-UP, XL '' PAYMENTS " BEFORE MY BILL ON THE XXXX XXXX YET, ON ORDERS LIKE WITH XXXX , OUT OF PENN , XXXX XXXX XXXX XXXX, CONSTANT ATTEMPTS, N DECLINED EVEN FOR SHIRTS ETC, '' TOLD '' ITLL PROCESS N PUT BACK ANYTHING IT MAY HAVE APPROPRIATED, '' OF COURSE THE OBVIOUS OCCURING OF THIS DID N'T HAPPEN BECAUSE THIS " SILVERCARD '' -2CARD'RIGHT BEFORE MY BIL STATED I WENT {$2.00} OVER, '!!!? YET I LEARNED THIS DURING A STORE PAYMENT VISIT N XXXX, N XXXX NEVER TOLD, CONTACTED, PROMPTLY, WROTE ME TO ADVERT ME OF THIS AT ALL TO DEVISE A FRAYDULENT, BUMP TO MY CREDIT AND TOO CAUSE ME BALANCE AMOUNTS AVAILABLE ACCURATELY TO N ON THESE CARDS, ( 6 ) I ACTUALLY ON SEVERAL TIMES IN PERSON AT STORE AND ON CALLS N N WRITING WAS TOLD AT PERIODS DURING ALL THIS N DURIMG GETTIMG MY NEW CARD THAT I HAD-700 $ + AVAILABLE WHICH VIOLATED SECTION-806-807 OF THE CODES UNDER TITLE 15- $ '' AND ONE-TIME TOLD I HAD LIKE XXXX-XXXX $ a available ( mind u I had been paying my bill '' )! yet lil things like for a shirt, or for socks underwear sales periods being lured by XXXX XXXX online with fraudulent scammy as '' here 's a coupon on us " scheme I was forced to shop etc, just 2days ago I played {$42.00} on my card n person at location, XXXX XXXX is GUILTY A XXXX FOR VOILATING THE " '' truth n lending '' statutes and MuSt be PUNISHED! XXXX IS GUILTY OF FAILURE INTENT TO " HOLD BACK PROMPT APPLYING THE PAYMENTS DUE TO MALWARE N IN ABILITY WITH ITS COMNETY BANK SWINDLERS 'TO CONNECT FROM THE UNREGESTERED STORE THE PAYMENTS RIGJT AWAY TO KEEP CUSTOMERS N DARK N BLIND THEIR CREDIT BUFFERING '' RESTORING " OR ANY CREDIT HELPING BY CUSTOMER LIKE XXXX WHO ARE ALWAYS AHEAD OF GAME SO MY CREDIT WILL N SHOULD HAVE REFLECTED THIS BY NOW " INSTEAD THEIRS BEEN WRONGFUL DISHONOR, N WRONG AMOUNTS QUOTED'BY WORKERS AT XXXX CAUSING MILLIONS OF CUSTOMER TOO GO OVER LIMITS ETC ''! ( 7 ) XXXX ILLEGAL BAIT '' N SWITCH '' FRAUD SCAM ALSO PURPORTS THAT U GETTING A DEAL '' BUT.. '' ITLL REFLECT AND BE APPLIED 'RETROACTIVLY '' N WILL SHOW IN BILLING STATMENT, THEIR MISSING THE PAYMENTS CAUSED MY BILL TO GENERATE MY CREDIT TO BE WRONGFULLY AFFECTED THANKS TO THEIR SCAMS N SCHEMES, WHICH IS WHEN A NEW ''! CARD CAME WITH IN WRITING '' A NEW amount AVAILABLE! THEY FALSELY NEVER ( UNTIL I CALLED TJEM OUT ON IT SAID IT WAS THE SAME ACCOUNT '' NOR DID THE DOCUMENTS SAY I HAD XXXX $ AVAILABLE IT SAID I HAD 700 $ + AVAILABLRLE EVEN ON CALLS, ( 8 ) XXXX IS DOING THESE SCAMS DECEIT TO PLACE, KEEP CUSTOMERS ONEWAY OR ANOTHER IN DEBT AND SPENDING, XXXX HAS PLACED A RACIST VERY INTRUSIVE POLICY IN TO PLAY AT STORES ALL '' THEY GOT A ILLEGALS ASKING REQUESTING AT XXXX XXXX N OTHERS N SUBURBS WORKING THAT " I CAN LOOK U UP BY SOCIAL WRITE IT DOWN ''! N THEIR SCREENS U INPUT IT NOT SAFE, ( 9 ) XXXX DENYS ADA COMPLIANCE ON INTERNET BY NOT WORKING, LISTING FAKE JEWLRY ONLINE EXPENSIVLY, N SHOWIMG SMALL PICTURES OF GOLD ETC LABELLED '' COATED ETC BUT IRS NOT TELLING N CONSPICUOUS WORDS THE GOLD IS FAKE AT ALL ''! PHONY ' ( 10 ) XXXX FALSELY N STATMEMTS MAKES REMARKS THAT " THEIRS XXXX AVAILABLE - ( EVEN AFTER CARD UP GRADE PAYING {$2.00} THE ALLEGED FALSE BASED IN THEIR MALWARE COMPUTER VIRUSES INCONSISTENCY ' ) WHICH I PAYED {$5.00} {$3.00} MORE THEN CAME BEHIND THAT WITH XXXX $ OR SO, - SO NATURALLY MY XXXX AVAIL SHOULD HAD CHANGED to! XXXX INFACT TWODYS/AGO'-TOLD AT REGISTER THAT I HAD XXXX AVAILABLE.SOME XXXX LADY IN CALL CURSED ME WHEN I CALLED COMETYBANK, AND STATED THAT '' WAT U THINK BAL JUST GON NA GO AWAY ''! REFUSING MANAGER SUBSEQUENT TO XXXX REPORTING THEM TO FTC.GIV AND TO CFPB CFPB HAS XXXX XXXX XXXX XXXX XXXX Up! MY EMAIL N WELL DEAL WITH THAT N A FEDERAL FOR NOW I WANT XXXX FINED BIGTIME FOR ALL CREDIT CARD RIGHTS ( LIKE XXXX ) NONDISCLOSURE N WRITING FRAUD, FOR SCANDALS VS CONSUMERS WITH A XXXX ME! FOR NONAPPLYING PAYMENTS LATE PROCESSING IT WITH MALWARE CRASHED WONT BOOT SYSTEM COMPUTERS WHICH LEADS, LED TO CONNECTIVE CARD ISSUES WIT A BANK IN A ANOTHER STATE MAKING IT IMPOSSIBLE TOO HAVE A accuracy ACCOUNTING OF OUR CHARGE CARDS BY SUCH SCHEME OF THEIRS ENTIRELY I WANT TO SUE XXXX N FEDERAL COURT BUT HAVE XXXX DOLLAR CASES PENDING AND CANT MESS THEM UP! ( 11 ) XXXX XXXX is guilty of this with each customer, while luring with their fake-as-coupons '' n scheming '' for shoppers n upgrading, its failed to UpGrade their computers promptly applying payments at store, .interesting XXXX XXXX also has refused payments with other methods which inconveniences people n Illinois with XXXX XXXX yes I 'm Angry as etc! like a check or a, alternative debit or credit cards only cash or your charge or social # in These Day n times.! I 'm puzzles when I use my XXXX XXXX bonton, card swiping making payment at the store, opposed to social inputting to pay at store, why 's it not generating in 3months to its customers a total " PRINT OUT OF ALL TRANSACTIINS, HISTORY, PAYMENTS? BECAUSE XXXX XXXX IS A CROOK UNDER COMNETY BANK N VIOLATIMG SEVERAL BANKING LAWS ETC, ( 13 ) XXXX XXXX IS ALSO GUILTY OF FRAUD SCHEME " RICO '' ITS VERY PREDICATED ACT ( $ ) BY FAILURE TO REFUND OR CORRECT REFUNDS SUBTRACTING IT FROM THE CARD N FROM HOW THIS IS GOING THE DISCOUNTS WERE SUPPISD TO BE GETTING ACTUALLY MIGHT NOT BE GETTING AT ALL IM SEEING FULL CHARGES ON MY CARD N THATS FRAUD N A CRIME CUZ RECEIPTS reflected a Much different cost, itemization, bill, payment, charge/cost history n this is serious because it deals with charges, credit and misleading availability n processing methods by the store which is injurying monetarily its XXXX old n XXXX " NOTKNOWIMG'CUSTOMERS RESPECTFULLY .LIKE EXAMPLE SUIT SALES,50 % OFF+ADDITIONAL THIS N THAT, ONLINE ALLEGED FINE JEWLERY ,59 % + THIS N THAT BUT THEN BILLING GENERATES N IT APPEARS TO ABSORBED ALL AVAILABLE (? ) ALSO COMPUTER CONTRIVED FRAUD PITCHES '' TO SCAM, OVER COST CHARGE ITS BUSY CONSUMERS N ILLINOIS OF ALL STATES OUT OF CASH! .I SHOULD HAVE THE FALSELY PURPORTED XXXX $ AVAIL BUT I DONT, I SHOULD BE STILL ABLE TO SHOP BUT MY CARD ONLINE INSTORE DISSALLOWS ME.MAYBE FOR MY REPORTING.RETALIATION USC -42-122O3 IS A SERIOUS OFFENSE ASK XXXX, XXXX N XXXX XXXX XXXX .CREDIT CARDS ARE USEDWITH NO ID LOTS OF TIMES THESE R TOO SERIOUS OFFENSES BY BONTONS XXXX NONDISCLOSURE TO government OF A BREACH WHICH ( " I DID A DAY BEFORE NATIONAL TV EVEN KNEW OF IT ) I REPORTED IT TO FTC NEXT DAY USA WARNED ANNOUNCED IM OWED A reward n for so many yes of XXXX XXXX XXXX XXXX XXXX'with these documenting I 'm owed a reward n so XXXX XXXX u owe me a `` IDTHEFT victim WRITEOFF ''! If cfpb do n't act I 'll have them cut severely! For proof see the following item numbers when I track an order with my girl XXXX and Pennsylvania and I do n't have any complaints against any workers at the store ( XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX, @ ll denied, I want them

Company response to consumer: Closed with explanation