Consumer complaint received 2023-04-17
Company: Bread Financial Holdings, Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have several store credit cards under the ownership of Comenity and the problem arose on XX/XX/XXXX. My Ulta credit card payment was due and I made the payment on that day ( XX/XX/XXXX ). No sooner than I paid, I received a text to saying to contact Comenity regarding my XXXX card. So I called and at the time, the recording stated my last payment was made i. XXXX along with the amount and that next payment of {$25.00} is due XX/XX/XXXX. So I didnt seek to speak with anyone. They may have sent another email the following Wednesday so again I called the number associated with how I make my phone payments/ same number on back of card and again it was NEVER stated that a payment was missing or late, but what I noticed is that date went from XX/XX/XXXX to XX/XX/XXXX and neither dates had passed ( still has not ). But that day I got a call prior to my mothers home health aid leaving for the day and although Im good at writing down names, I cant recall this guys name nor did I write it down. but he proceeded to advise that i missed a payment and I asked me to confirm the account used for last payment as well as if I wanted to make a payment.. I was going to say yes and then I stated wait, I just paid the bill on the XXXX and he stated its for the XXXX bill not the Ulta that he is trying to get payment for and i stated my payment is not due and also when a payment is late when you call the automation it provides that information. I had not received an email or anything else indicating his facts were accurate and tried to explain that but he wanted to over talk me and just be non customer service friendly so I demanded to speak with someone other than him, I had to request more than 5 times and he stated he would get his supervisor but that never happened. So i called the number on the back of my XXXX card again and ask that my mothers aid listen to it as well and once she competed that i asked if it indicated i had missed a payment and she stated no and proceeded to confirm that XXXX is balance and that is due on XX/XX/XXXX. So I sent feedback to comenity ( have yet to hear from them ) and on XX/XX/XXXX. I missed a call of which may have been automated as a message was left regarding this unresolved issue and so it was again that I called the number on back of XXXX card only for it to indicate my payment is due on XX/XX/XXXX for the amount of the statement {$25.00}. Now due to so much going on with both of my parents having XXXX and me pulling the bill of wait for care, I tend to forget my own business as why I rely on my handwritten information for monthly bills, my reminder in my phone with dates, as well as my email to keep me solid and current with my bills. Now I dont know what kind of books are being kept with my creditor nor am I unsure there is another card somewhere in my name ( due to compromised XXXX wallet was stolen that contained both my small diploma, social security card, and license ( when license used the ss # ) when I was XXXX. I wish for this to be resolved as Im sure im current and dont appreciate these type of tactics.

Company response to consumer: Closed with monetary relief