Consumer complaint received 2023-07-17
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I get this credit card a while back from XXXX through XXXX XXXX. I can't give you the exact date, but it's been while. As of XX/XX/2022, I have a balance for {$160.00} which was paid in full on XX/XX/2022 through my online account that I have with them. From that day forward the account was XXXX balance, but then on XX/XX/2022 they charge me {$3.00} interest charge, on XX/XX/2022 they added {$8.00} late fees and on the account that have XXXX balance. On XX/XX/2022 another {$1.00} interest charge were added, XX/XX/2022 a late fees for {$18.00} were added. When I visited my online account on XX/XX/2022, it says that I have a balance due for {$18.00}. I was like why I have a balance now, when I already paid in full. I ended up paying the balance that day anyway, because I thought maybe I paid the balance to fast that's why I was still being charged interest rates and late fees. But no, the interest rate and the late fees continue.XXXX I paid the balance they said that was {$18.00}, XX/XX/2022 new charge for {$1.00} interest rate, XX/XX/2022 {$19.00} late fees, XX/XX/2022 {$1.00} interest rate, XX/XX/2022 {$37.00} late fees, XX/XX/2022 {$1.00} interest charge, XX/XX/2022 {$41.00} late fees, XX/XX/2022 {$1.00} interest charge. On XX/XX/2022 made a payment for {$35.00} that what the online statement says I owed. Remember, I did not buy anything from the credit card since it's been paid off, it all interest and late that I'm being charged for no reasons at all. on XX/XX/2022 they charged {$37.00} late fees on the account that have XXXX balance, even after I paid, I was still getting late fees, can you imagine? 
On XX/XX/2022 {$1.00} for interest charge. Than I said ok this need to stop, so I called them directly XXXX, I asked them why I was being charges late fees and interest rate so much on a account that have XXXX balance. They didn't have an answer to that. Than I asked again how much I owe you now, they told me {$80.00}. I paid that on XX/XX/2022 and told them to close the account that same day. They've closed it, they've even send me a letter that was written on XX/XX/2022 to let me know that they account was closed. I thought everything was over with, but no! From XX/XX/2022 till today as I submit this complaint, they are still charging me, they're still sending me statements, not only that they continue to report me to all four credit bureaus and calling my phone countless time during the day to tell me that I owed them money. I even went back to XXXX XXXX to asked for help, they called them and put me on the phone with them, after I explained what's going on and questioned them, they hanged up the phone in my face. I need them to stop harassing me with their countless phone call, they need to stop messing up my credit score. I need them to clear up my credit with all the fake report they've added to it. I need them to pay me back all the fake fees they have charging me for no reason. I can't rest in peace with these people in my back like this, I can't. If my account is closed why am I being charge still. Please ask them That.

Company response to consumer: Closed with monetary relief