Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge 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: IN

Complaint narrative:
Friday XX/XX/XXXX, XXXX Vehicle stalled and would not start. Called XXXX to schedule a diagnostic. 

Sunday XX/XX/XXXX, XXXX vehicle to XXXX XXXX by XXXX XXXX. 

Monday XX/XX/XXXX, XXXX Got a call from XXXX XXXX XXXX that timing belt replacement, water pump replacement, oil change, fuel pump replacement, coolant change and ignition coil replacement needed to be performed. I advised XXXX that I had timing belt replaced XXXX miles ago, but she assured me this was the issue and it needed to be replaced. Vehicles typically need timing belt replacement at XXXX miles. 

Friday XX/XX/XXXX, XXXX Picked up vehicle and paid {$1500.00} on XXXX XXXX XXXXXXXX XXXX My vehicle seemed to not be running properly. I mentioned these concerns to XXXX and he was dismissive. 

Monday XX/XX/XXXX, XXXX Vehicle stalled and would not start once again while driving. Called XXXX and spoke with XXXX. I requested a tow and service for the issue I just paid for not being resolved. XXXX XXXX arrived and towed my vehicle. 

Monday XX/XX/XXXX, XXXX Tuesday XX/XX/year> XXXX held my vehicle, barely communicated and made unauthorized repairs while not fixing the original issue after being there for over XXXX weeks. 

Tuesday XX/XX/XXXX, XXXX I was told by XXXX my vehicle was ready for pickup. Upon arrival, she would not return my keys until I made additional payments for repairs I was not aware of or authorized. She originally wanted an additional {$800.00}. After discussing for over XXXX minutes and just wanting my vehicle back, I made the purchase under the XXXX card for {$270.00}. All repairs made by XXXX were under warranty. I went to my vehicle and noticed it was leaking oil and went back into the shop with concerns. I was met with verbal hostility, personal space infringement and told I was acting a fool. I left and my vehicle was now leaking oil and still not driving properly. 

Wednesday XX/XX/XXXX, XXXX Within XXXX hours of the second pickup from XXXX XXXX my vehicle stalled and would not start once again. I immediately called XXXX and was met with more verbal hostility and blame shifting by owner XXXX. I was broken down in the middle of an intersection and he refused to even give me a tow home and was extremely rude. 

Wednesday XXXX XXXX XX/XX/XXXX, XXXX Took vehicle to XXXX XXXX XXXX for XXXX XXXX. XXXX XXXX confirmed my vehicle is leaking oil, hissing sound from power steering hoses unplugged, spark plugs installed incorrectly, and ignition coil was incorrectly installed. They were distracted by all of these faulty repairs and remedied, but failed to notice the timing belt misalignment and my vehicle ran for about XXXX minutes until it broke down and wouldn't start once again. 

Friday XX/XX/XXXX, XXXX I dropped my vehicle off at XXXX XXXX mechanic shop XXXX XXXX for another diagnostic. They confirmed my vehicle is leaking from the engine oil pump and oil cover gasket ( XXXX performed oil change on my vehicle ). They tried to XXXX XXXX and my vehicle had no power. XXXX checked the timing belt and it was installed incorrectly- off by XXXX teeth. This is very serious and can cause long term engine damage. The ignition coil installed by XXXX was also faulty and needed to be replaced. 

Thursday XX/XX/XXXX, XXXX Paid additional {$2200.00} on XXXX to XXXX XXXX XXXX remedy faulty repairs and fraudulent service made by XXXX XXXX XXXX They were professional and timely and provided pictures as photo evidence that XXXX did faulty repairs and services were not rendered. Since I have picked up my vehicle from XXXX, it has not stalled or broke down-which was caused by a misaligned timing belt and numerous faulty repairs made by XXXX. 

I have provided all documentation and photo evidence proving this was faulty work and terrible service made by XXXX XXXX and no consumer should have to go through this. I did not have a vehicle for over XXXX weeks and was verbally mistreated. They stole my vehicle, peace of mind and money while not correcting anything that they did wrong. Even with photo evidence there is no accountability. This is criminal behavior. 

I have contacted XXXX through email several times with no response back. I have filed with the Attorney General, FTC, BBB and have all documents/photo evidence for verification. Refund of {$1500.00} is my consumer right for numerous faulty repairs and services not rendered. I will be continuing to escalate as needed.

Company response to consumer: Closed with explanation