Consumer complaint received 2022-09-10
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/10, after being out of town consistently for three months, I received my XXXX store card and three bills. 
The initial transaction for {$28.00} was charge bybthecstore before I received the card, by this point was 3 months overdue according to the agent XXXX I spoke to on that at approx XXXX on XX/XX/10. I told XXXX I had been charged {$90.00} for a XXXX transaction and received no other notification that this account was past due than the mailings which I didn't receive until XXXX due caring for my XXXX  parent in another city. I told him I wasn't going to pay XXXX dollars for a {$28.00} dollar transaction and that I would like to resolve this an close the account since the card it was never used or activated since the account was opened in the store three months earlier. And Comenity bank made not attempt to contact me about the past due status other mailing regular monthly statements. 
XXXX originally quoted that I could pay {$42.00} to take of the balance and then he would transfer me to someone to close the account. I begrudgingly agree, however when XXXX ( XXXX ) read the payment confirmation disclosure he quickly said {$62.00} and added {$20.00} to the amount. I told him he had changed the amount and he tried to do some double speak about why the amount and loudly read the disclosure ask for authorization for payment. I replied that, I guess I didn't have a choice but to agree since he just decided to change the amount. I asked if the calls was recorded and at first kept reading the disclosure over me and then answered " yes ''. I told I would be in contact with his corporate office to pull the recording. He then " threatened " to transfer me to a supervisor and said I would gladly accept his offer to speak to s supervisor. He said before " put me in queue '' if I wanted him to process the payment because if I don't you won't get the refund of the late charges. I told I was finished with talking and I would handle the rest with the supervisor. When he transfered me I got a bank notification he charged my card anyway fior {$62.00}. He proceed to keep me on hold for an hour for a representative. I am pretty sure a tactic to retaliate me for challenging his misconduct Beside the complete, inappropriate behaviors unauthorized payment on XXXX part because never agreed to the {$62.00}. XXXX Bank never made any other attempt to notify me that this account was past due. I never used the card, and although I could find a past due notice in an email search however received hundreds of marketing emails telling about the points I could receive if I used the card, I had received one phone call or email advising me the account was past due. And there was a single past due mailing iny box when I finally got mail I had a neighbor collect. Just regular statements. How low were they going to let this go on? 
I never was able to speak to supervisor after XXXX kept me on hold for an hour he said there was no one to help me and told me to call back.

Company response to consumer: Closed with monetary relief