Consumer complaint received 2018-07-19
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have spoken to your agents that call me every other month and tell them the bills are not received. They all say they will note my records and never do. I spoke with a representative in the late summer or early fall of last year who settled my account, why on earth would I make a larger payment then required if it was not to settle my account. I didnt even receive the merchandise from XXXX  which was billed to my account which should have been credited. I havent used these accounts in over 3 years. All of the charges are finance charges and late fees for bills that were never sent. You are purposefully with holding my billing statements and then have you agents call me once the account is past due to request payment ; after you have charged me a late fee and finance charge they call every other month exactly .. With such a poor payment history you would have thought this account would have been closed but no this bank keeps it open to charge additional fees. You are not following a good business practice and are ripping off your customers. I want these accounts settled and with a XXXX  balance on both. I want the late payment history charges to be removed, especially since you never sent a bill and research the calls from 2017 the representative called me multiple times it wasnt just one call. Please send me a copy of the call when she took my payment. Also strange enough after I filed my 1st complaint the text alerts that I had set up with the account started again after over 3 years I got a text about my account. I never requested to be placed on a do not call list and if I didnt want to pay my bills I wouldnt have allowed you to record my account information. This company has violated laws and all I am requesting is the charges be removed and my credit to be restored, Instead I am receiving cookie cutter response and no real facts, If they fail to act I will file a complaint with the XXXX XXXX XXXX   Treasury Department 's Office of the Comptroller of the Currency, Federal Reserve, State Attorney General 's Office and the Federal Trade Commission 's Division of Credit Practices. I will complain to everyone about this business practices until the matter is resolved. Please take my complaint seriously because I sure am. I have filed a complaint with the XXXX XXXX XXXX XXXX Ohio to which you responded that you would contact me directly and work things out - at the beginning of XXXX - which was a lie - no one has contacted me to date. Now you lie and say that you dont send text messages ... messages that I always received before paying off my account that has now mysteriously restarted - A copy of the text is closed it identifies the back and which credit card account. I have asked for copies of these recorded calls you mentioned and have not been provided with that as well. I went to the post office and they advised there is no way for them to track the date of mail delivered. So either the person or people that are responding to this complaint are misinformed or complete liars. I have copies of every complaint and will forward to your corporate offices with my proof and recorded calls I want this matter to be resolved I have spent more than enough time on this matter.

Company response to consumer: Closed with explanation