Consumer complaint received 2023-03-30
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:
XXXX is wrongly charging me interest and lead me to believe the promised promotion i applied for was legitimate but Im finding out that they somehow try to trick you or waste time just to get you to pay extra mone and this is why : On the amount I paid in full. This company offered interest free for a year. I made every payment on time and always got confirmation and deducted from my account within min. When XX/XX/2023 came and I called to make my final payment that is not due till XXXX XXXX the company gave me the run around I now believe that Ive been lied to because all they would do was tell me that their systems working now they couldnt take that large amount due today they will transfer me to somebody and I would get disconnected this went on for almost a week I did not know what to do because I was doing everything Im supposed to do. 
I got my bank XXXX XXXX XXXX XXXX involved to help me get this paid in an on-time manner so they did call with me we got a wire confirmation and paid it through wire which was still not easy to do because that day we also got the runaround but it was done with confirmation still four days prior to the date that its due but I was still not happy with all the runaround that I had to go through but that said the payment was due I have the confirmation to receive the deduction that they took it and now yesterday they started calling me to let me know and state that I have A payment due for interest because my payment was never received on time which is 100 % is NO CORRECT. I have my proof of payment, deducted from my account on XXXX XXXX and confirmation they received it. 
I feel that they are not working ethical or professional to ensure the lending practices and process is followed, there is no excuse for this to have happened and if its happening to me it sure is to others. I work very hard to have the phenomenal credit worthiness I have established and for this company to show no effort or care about this other then when I called again today to send them proof all I got was transferred and transferred disconnected AGAIN and told they only go by what their system shows and it shows I still owe. I asked them for a contact number of someone who can hold accountable for this because what their system shows is not correct and Im being wrongly charged as well and I feel giving the runaround and it this point they fraudulently got me to use the company to only purposely charge me extra,, it is wrong because I have all proof that this was paid and paid prior to ONTIME they stated they can only process my payment today for interest of over XXXX. I also have my call log to show my efforts in doing so. Can you please help? They can not get away with their negligence. Also the customer service rep said that its not their fault Because they have many of payments that they receive and sometimes it takes them longer while according to my timeline it took them six days after receiving and taking my money to update my account which is not acceptable at all and I hope you agree. Thank you

Company response to consumer: Closed with explanation