Consumer complaint received 2018-02-27
Company: Bread Financial Holdings, Inc.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a phone call on XX/XX/XXXX from Comenity bank in regards to my XXXX XXXX  credit card payment. The representative informed me that I had a late payment, and he was absolutely correct. On XX/XX/XXXX my payment of {$35.00} was due but I was out of the country therefore I didnt have access to the internet to make my payment. The representative said that I had a minimum payment due for {$93.00}. I told him that the {$93.00} must be including a late fee and my XX/XX/XXXX payment and I asked if I could have that late fee forgiven since I am not typically one who misses payments. He told me if he was able to get my late fee waived would I agree to pay {$93.00} ( misleading statement ). I told him no, I agreed to pay my XX/XX/XXXX payment only if he was able to remove the late fee. He then again tried to lie as if my balance didnt include a late fee and {$93.00} was the minimum payment due on my account for being 12 days late. I told him that was incorrect, I agreed to pay {$40.00} for my XX/XX/XXXX payment. 

He then came back on the line and said that his supervisor approved him to waive {$15.00} of my minimum payment, did I want to pay my payment and the rest of my late fee with check or debit card. I asked how much was my late fee because I didnt want it to roll over to my XX/XX/XXXX payment. He gave me the amount which was more then the minimum payment due! I told him I wanted to speak with a supervisor to see if they would waive the whole payment and that I didnt appreciate him giving me misleading information as if my minimum payment due was {$93.00} just for XX/XX/XXXX 's payment. He came back on the line and said if they agree to waive my full late charge would I agreed to make the {$40.00} payment right now on the phone with debit or checking acct. I told him yes I would with debit card. He came back on and said they waived the late charge and go ahead with my bank information to pay the {$40.00}. After I provided him the debit card information he said he couldnt accept a debit card payment I needed to give him my checking information. I then asked him why did you ask for my debit card information if you can not accept that form of payment, and now youre asking for my checking information this felt like a scam and as if somebody was going to use my information fraudulently. And I then requested to talk to his supervisor again. He told me If I wanted to talk to his supervisor about my concern he was not going to waive my late fee. So I told him he needed to run my card payment for this transaction, I was not going to give my checking information, and at this point in the conversation I was willing to take the risk of not getting my late charged waived and wanted to talk to the supervisor. He then processed my payment for me. And gave me my approval information, but then asked if I still wanted a supervisor. I told him absolutely I did! 

Unfortunately I wasnt able to continue to hold on the line we had family unexpectedly show up at the house. However I am a little concerned about the representatives that we have to give our information to. Also, about the misleading information I was provided.

Company response to consumer: Closed with explanation