Consumer complaint received 2023-03-26
Company: Bread Financial Holdings, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I closed my XXXX XXXX XXXX XXXX  account & received a letter confirming it on XX/XX/XXXX. I had a balance from a purchase the month before, in the amount of {$110.00}. I paid it in full & on time. 
I placed another order with XXXX XXXX online in XXXX expecting to get a 25 % off discount. When completing my order, it did not apply to my balance. I immediatly called XXXX XXXX to see if they would adjust my order so it would apply the discount. They said they couldn't do that. I then asked them to cancel my order all together & again they said they couldn't. 
When I received the package, I returned the full order in the amount of {$150.00} back to XXXX XXXX. This gave me a credit of {$130.00} plus a charge of {$10.00} for a return fee on my XXXX XXXX XXXX XXXX. This left me an unnecessary balance of {$33.00}. I contacted XXXX XXXX again to credit back those charges, since I tried canceling the order from the start. They only credited the {$10.00} for the return fee, which still left me a balance. 
During all this time, I was out of state and not able to keep up with my account as well as if I were home, so therefore, I had forgot to pay the final ( unnecessary ) payment of {$24.00}, which made it a day and a half late by calling to make the full payment of {$24.00} in XXXX. The XXXX statement showed a total balance of {$35.00} for a late fee. I called XXXX XXXX to request a credit of the late fee, so I would have a XXXX balance & be in good standing with them. I was told since I closed my account they couldn't do that. Again, I was still out of state and made the unnecessary {$35.00} payment by phone on the due date, but was again almost 2 hours being on time. The XXXX statement showed a late fee and balance of {$35.00} once again. Again I called XXXX XXXXe to credit this charge & again they said they couldn't since I closed my account. This really frustrated me since I had previously paid my full amount due, plus two late fees on top of that. With that, I decided to write a letter to Comenity Bank to see if they would resolve the late fees being charged each month with a paid in full balance from purchases. Meantime, I still did not pay anymore while waiting for a response back from them. 
I received a letter dated XX/XX/XXXX stating that they could charge me a late fee if the minimum amount was not paid by the due date and that I now owed an amount of {$110.00}. 
I have been an account holder with XXXX XXXX for several years now and each time I made a purchase, I paid the card in full & on time. Now they are billing me each month with a late fee and interest for late fee, except for the last statement I just received. It showed an interest charge on purchases ( my purchases are paid in full ) and a total balance of {$110.00} ( late fees & interest ). 
Please see if you can get the amount of {$110.00} off my account along with the bad credit report that was given to me for not paying late fees. 
Thank You

Company response to consumer: Closed with monetary relief