Consumer complaint received 2017-05-01 00:00:00
Product: Credit card or prepaid 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: NY

Complaint narrative:
hello my name is  XXXX , i made the mistake of applying for a clib credit card from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ... it was  XXXX  of     XXXX   me and my mother inlaw go to   XXXX   XXXX   once a month to go bulk shopping it was christmas time and we normally spend between  XXXX  dollars every time we shop. it was christmas time so we spent a bit more than normal close to  XXXX  this time. now i normally pay cash for my purchases because i made the mistake when i sold my first home of being a good consumer and paying off all of my credit card bills .. keep in mind my  credit scor e at this time was  XXXX  i paid of the cards and cancelled most of them because i thought that is what you did pay down youre debt and only keep a few cards instead of  15  needless to say my  cr  edit score  plummeted to a whopping  XXXX  i was in complete shock so i went on line and tried to figure out how to fix all the lies on my credit report all i was guilty of was paying my debts.. so i worked my  XXXX  off to get my credit back up in  XXXX  of     XXXX   my score was  XXXX  so like i said i wasnt really keen on getting a new   XXXX   XXXX   card but like i said my bill was  XXXX  and if i apply and get approved i save  10  percent on my order well guess what ... i was approved along with a credit line of over  XXXX  wow right i must be doing something right well guess what happens to me the girl in   XXXX   XXXX   puts in the wrong information she looks at my drivers license and puts in the wrong address.. i forgot i even applyed for the card until one day last month i get a phone call from  comety bank  attempting to collect a debt for the minimum amount due  XXXX  dollars because like i said i dont like credit card companies and i paid most of the bill the day i made the purchase .. like i said to the lady from the company ma'am i never received a credit card or a bill from you what are you talking about? then i remembered oh wow my   XXXX   XXXX   card, .. then again i said  mrs i ne ver got a card or a bill from you.. she said well we do have some returned mail from you .. i asked how long were you going to wait to contact me? she said im sorry sir we will change the information and send you out a new card right away along with a new billi said ok great.. a couple of days later i get mail from   XXXX   XXXX   and it 's photo copies of the first  2  bills thats it no payment coupons or new bill i see late fee charges on my photo copy of my bill and my credit limit decreased from  XXXX  to  XXXX  dollars i said oh no this is not good i looked at my credit scored it dropped from  XXXX  to to  XXXX  .. i called   XXXX   XXXX   and explained my problem and my concerns because the had already put negative information on my credit report the told me not to worry that it will all be straightened out but the could not remove the late fee 's that even though they made the mistake i was some how responsible for it that they have some policy called no fault i cant believe this they are trying to ruin me and my credit and dont care at all saying even though we messed up  XXXX  its youre fault i thought i was dreaming i made the payment on the card because they backed me into a corner .. oh remember they promised to fix everything for me this is what they did after i paid they never sent me a card or a bill and on my credit report put card was canceled by creditor?????? what do i do my  credit score i s now at a  XXXX  due to this mess

Company response to consumer: Closed with non-monetary relief