Wayne L.

I tried to set up "splitpay" for a chair, sold by Nouhaus. The site asked for a security code, but then told me that the transaction failed. Immediately, Bread sends texts to alert me that they have charged me for my first payment.

Three days later, and three customer service agents later, I'm told that Bread will not cancel the transaction. I'm being forced to wait for Nouhaus to confirm that I don't have any orders pending with them. In other words: Nouhaus has to tell Bread that they don't have a record of my transaction, and I have to hope that Bread accepts that.

It gets worse. On the first day, I was needlessly educated about how payment plans work. After explaining my problem TWICE, the agent realized what's up, and told me that he would call Nouhaus & tell them to process the order. I waited a day, as told, and the only contact made was from Nouhaus, saying to contact my card company to cancel the transaction.

I call tell Nouhaus that they misunderstood my message, and also proceed to contact Bread. The second agent makes me explain the situation again, and tells me that I need to wait longer. She promised to contact Nouhaus, and then call back by the end of the day. She did, but only to say that she is still waiting for a response.

These first two agents also said that they would get Nouhaus to process the order.

Today, 09/17/2020, I call again. This is because Nouhaus replied to me again, apologized for misunderstanding my message, and saying that management says that I need to call Bread to cancel the charge. The third agent said that they are "contractually obligated" to ignore my request & wait for Nouhaus to cancel the charge. I explained to her that, because I do not have any sort of order pending with Nouhaus, there isn't any contract to honor. Nouhaus is effectively out of the equation.

It didn't matter. She refused, and proceeded to give me more useless explanations, as well as feeding me a line about "advocating for the customers." I told her that I'm not stupid, and that I KNOW that I'm not a customer of Bread. NOUHAUS is the customer, and it's Bread's job to resist any sort of cancelation of an order.

She ends up saying that they can't continue the order. That, for my situation, the only recourse is to cancel the order anyway.

So that means that the first two agents were wrong! And they were doing the wrong thing! But, in spite of all of the shady screw-ups, I'm supposed to trust Bread this time.

Don't do it! Don't trust them!