Consumer complaint received 2023-03-23
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid 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

Complaint:
I am writing to dispute the late fee and interest scam that continues with XXXX and Comenity Bank. I opened a card account and made purchases at the XXXX XXXX XXXX in XX/XX/XXXX. I received a card statement and I immediately sent check XXXX XXXX  on XX/XX/XXXX in the amount of {$60.00} for those purchases. Then my Comenity Bank card statement came XX/XX/XXXX with a late fee of {$30.00} stating my check was not processed until XX/XX/XXXX. The card statement for the {$60.00} was immediately paid and there is no reason why it took 20 days to receive and process the payment. I am not responsible for their incompetence and they had no right to charge me a bogus {$30.00} late fee. I paid the XXXX card statement of {$26.00} ( {$56.00} minus the {$30.00} bogus late fee equals {$26.00} ) with check XXXX XXXX posted XX/XX/XXXX. 
XX/XX/XXXX, I received a card statement charging me a late fee of {$37.00} and {$2.00} interest on top of the {$30.00} late fee I refused to pay on the previous statement. This statement claims the payment was not processed until XX/XX/XXXX, so once again it took 20 days for them to receive and process my payment. I called customer service and talked with XXXX regarding these issues and he stated he removed the {$39.00} ( late fee plus interest ) charges from XXXX but could not remove the {$30.00} previous late fee because it was under dispute. I explained the Credit Card Agreement is no longer valid because of this late fee scam, that I have cut up my Comenity Bank card and returned it to Comenity Bank and will never again shop at XXXX. I insisted that all charges be removed from my account but he stated he could not do it. He passed me on to XXXX who was extremely rude, blamed the mail service and refused to discuss my concerns. XXXX passed me on to XXXX who was even more rude and he again blamed the mail service for late payments. I explained I sent in the payment the day I received the card statement and my payment should not have been received or processed as late. He stated the conversation was not productive and hung up on me. 
XX/XX/XXXX I received a card statement charging me another late fee of {$37.00} and {$2.00} interest. They claim the refund for {$37.00} and {$2.00} was made on XX/XX/XXXX ; however, on XX/XX/XXXX they charged a late fee debit of {$37.00} along with a {$37.00} late fee on XX/XX/XXXX and another {$2.00} interest charge on XX/XX/XXXX. That is two late fee charges in one month! This statement claims I made purchases of + {$37.00} for a new balance of {$100.00}. I have cut up my card and returned it to their offices, l have told them repeatedly I will make no further purchases or step foot in XXXX XXXX again so I had made no purchases of + {$37.00}. 
My dispute letter was sent XX/XX/XXXX, so this has gone on over two months. They continue to harass me with more late fee and interest statement charges. 
I claim they purposefully wait until after the payment due date to process my payment and are running a late fee and interest scam. This scam violates the Credit Card Agreement ; therefore the Credit Card Agreement is null and void. I will not pay any and/or all past, current, and future late fee and interest scam charges.

Company response to consumer: Closed with monetary relief