Consumer complaint received 2024-11-21 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I called XXXX XXXX XXXXXXXX XXXX XXXX regarding my XXXX XXXX XXXX XXXX account on XX/XX/XXXX at XXXX XXXX and spoke to a representative to ask why my account appears to be closed without notice after I looked at my credit report to see it gone. I also wanted to know why it shows {$900.00} ( my original credit limit ) available as the current available credit amount on their website in some places and {$0.00} available credit in others. The representative who was being addressed as Sir and addressing me as Sir ( I did not get his name ) told me the account was closed on XX/XX/XXXX ( XXXX  days ago ) after XXXX  months of no usage. I asked him why I wasn't notified that this account was being closed. His answer was that I was notified through a letter sent via XXXX without specifying the date the letter was sent. I told him I never received a letter and he let me know that it is not the company 's fault if the letter was lost in the mail ( I did not suggest this, I simply said I did not receive this notice ) and that it is my fault for not using the card for so long that the account was closed. I asked why I could not see that letter in the online system and was told his system showed the letter was sent via XXXX even though I was enrolled in Paperless, so it wasn't in the online system. I told him I was seeing multiple amounts on the website for current credit limit and that I was trying to make a purchase on the website. His only response to the available balances not matching on their website in different spots, multiple times, was that the account was closed by the bank and there's nothing they could do about that. He would not address the reason it still showed the {$900.00} still available in some places and repeated that it was not their fault if it was lost in the mail or some other reason I did not receive the notice, but they did send it out. I never received any notice that my account was being closed and I have had this account open with XXXX ( clothing store ) since XXXX. They filed XXXX  in XX/XX/XXXX, but the store in my city is still open. They did not close all of their stores nor go completely out of business. I told the representative that I know I have XXXX or XXXX  days to dispute this issue online or by writing a letter and he rudely provided me with the company 's mailing address. Things I found online suggested to file a complaint here for quicker and more accurate resolution. Since I did already contact the company via telephone call regarding this issue, I am filing this complaint. I expect my original account to be reopened so I can continue to make purchases there, wasn't notified that it was being closed, it affects my credit history length, and their systems don't apparently match since XXXX page shows {$900.00} credit available and another page shows {$0.00}. Their systems have had payment/balance issues in the past which is XXXX reason I started to just use my debit card in their stores, so this doesn't surprise me. If this isn't properly and fairly resolved with the original account re-opened, I will just stop giving the retailer my money.

Company response to consumer: Closed with explanation