Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I visited XXXX XXXX in XXXX for a consultation. The environment was chaotic and high-pressure, and I was pushed to sign multiple documents quickly. During this visit, I was pressured into signing a financing application for {$10000.00} for a cosmetic dental procedure. 

When I reviewed the paperwork, I immediately noticed the financing was opened under a name that is not my current legal name. It was my prior name, which was legally changed years ago and is no longer used. I objected and told XXXX XXXX that the name was incorrect. XXXX XXXX  staff told me not to worry and stated that the name could be changed later. 

On XX/XX/year>, I called XXXX to report the issue. XXXX told me that no funds could be released or paid to anyone until the name was corrected, and I clearly stated that I do not authorize any funds to be sent to XXXX XXXX  or any other party under this credit line. 

Later that same day ( XX/XX/year> ), XXXX XXXX  called me to schedule the first appointment for the cosmetic procedure. Due to the high-pressure financing experience and concerns after reviewing public patient complaints, I informed XXXX  XXXX that I was canceling and that I would not proceed with any procedure. XXXX XXXX then told me they already had the money. 

I immediately contacted XXXX again to ask why funds were paid out when I was told that no funds could be released until the name issue was corrected, and after I explicitly stated I did not authorize any disbursement. XXXX informed me that XXXX XXXX changed the name on the account, and that once the name was changed, the full {$10000.00} was pulled/disbursed. They also told me that BREAD FINANCIAL is who issued the loan. 

I did not authorize XXXX XXXX  to change my identity/name information with the financing company, and I did not provide documentation or consent for any such change. In shortXXXX XXXX XXXX opened the financing under the wrong name, then changed my name without my authorization, and then withdrew the full {$10000.00}. No dental procedure was performed and no services were received. XXXX XXXX is now refusing to refund the funds. 

I initiated a dispute with XXXX and demanded that the transaction be reversed. I also asked why XXXX allowed the merchant ( XXXX XXXX  ) to change my legal identity information and disburse funds despite my prior notice and objection. 

I have repeatedly attempted to contact XXXX XXXX by phone and email. XXXX XXXX responded that their attorney is handling the refund request, but I have been unable to reach their attorney by phone or email. 

I am requesting CFPB assistance to investigate and require resolution, including reversal of the {$10000.00} transaction, correction of the account records, and confirmation that I will not be held responsible for charges related to services not rendered and disbursements I did not authorize.

Company response to consumer: Closed with monetary relief