Credit card -- Problem with a purchase shown on your statement -- Complaint #8356575
Complaint Overview
Complaint ID: 8356575
Company: Bread Financial Holdings, INC.
Product: Credit card
Sub-Product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: Nevada
ZIP Code: 89014
Date Received: 2024-02-15T12:00:00-05:00
Date Sent to Company: 2024-02-20T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am writing in regard to a recent purchase experience that occurred on XX/XX/2023 : I went to the XXXX XXXX and purchased a pet with a salesperson named XXXX for {$4500.00} at the time of purchase I was advised that I would have 48 hours to make a return no questions asked and at no charge to me if it didnt work out due to my schedule as I was hesitant to make the purchase with my long work hours. I came back to the store less then 48 hours on XX/XX/XXXX and reluctantly returned the pet to the store and at that time I was given a release letter and in this letter it stated that the return amount was {$330000.00} as a store credit I wont be using the store credit. I called the XXXX comenity bank and I explained them the situation the store charged me {$4500.00} and the store credit is {$33000.00} which is a discrepancy of {$1100.00} according to comenity bank, they want me to make payments for something that was returned to the store I believe comenity bank needs to dispute directly with XXXX store not with me, because I have proof that the dog was return to the store. I feel very disappointed that they are not working with me I called several times and nothing has been done I dont want to be reported it to the credit company for not making payments. I would like to dispute this charge and hopefully the situation can be resolve
Frequently Asked Questions
What is Complaint #8356575 about?
Complaint #8356575 was filed against Bread Financial Holdings, INC. regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2024-02-15T12:00:00-05:00.
How did Bread Financial Holdings, INC. respond to this complaint?
The company responded with: "Closed with monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Bread Financial Holdings, INC.?
Yes, visit the Bread Financial Holdings, INC. company profile at readthecomplaint.com/company/bread-financial-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.