Consumer complaint received 2019-07-09
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I was two days past the XX/XX/XXXX due date paying a XX/XX/XXXX {$49.00} single order purchase on a XXXX of Florida credit card issued by XXXX " XXXX ''. Several reasons, further explanations not necessary. When the XX/XX/XXXX statement arrived I was astonished to find that XXXX wanted to charge me a {$25.00} late fee, plus {$1.00} interest. I immediately phoned XXXX at the number listed on the credit card and got ... .. XXXX. 

I explained to the CSR ( I do not have her name ) why my ACH payment had been two days past due, and asked her to remove the late charges. She gratuitously offered to reduce the charges to {$10.00} and added that they " ... don't do that ... '' [ remove late charges ]. ( I'm late paying perhaps once every five years, and with my superior credit history, I don't recall any issuer ever denying my request. ) I asked for her supervisor, and after a lengthy conversation, she agreed to remove all excess charges. [ Her name is on the XXXX statement, which I can not currently locate. I do have in hand statements from XXXX and XXXX ... keep reading, they play a part in this farce, too. ] We're into late XXXX at this point when the XXXX statement arrives. Based on the XXXX statement, the XXXX statement reported a balance due of {$36.00}!! Further review of the XXXX statement shows that those fools had indeed, credited my account with {$25.00}, which is what I'd asked for back in XXXX during those two phone calls mentioned earlier. 

But those thugs at XXXX weren't through screwing around : the XXXX statement shows two more fees ( {$11.00} and {$16.00} XXXX, for a new total balance of {$38.00}!! Now I was really angry, so on XX/XX/XXXX, I tried to communicate with XXXX via their 'XXXX XXXX XXXX '. Unfortunately, their XXXX software ran out of space or time, but I was able to add a statement to that effect, closing with the CSR Supervisor 's agreement to remove the {$25.00} late fee assessed in XXXX, and declaring that I owed XXXX. I NEVER RECEIVED A REPLY, NOR A CONFIRMATION. I decided to let XXXX sort it all out. 

Which they did, in their own inimitable fashion, with the XX/XX/XXXX statement : they added another {$21.00} fee, raising the balance to {$59.00}!! And, they reduced my credit limit from {$1800.00} to {$150.00}!! 

I WILL MAKE .pdf COPIES OF THE STATEMENTS IF YOU NEED THEM ; HAVEN'T DONE SO YET. 

On XX/XX/XXXX or XXXX, XXXX, I was routed from 'XXXX ' in XXXX , to 'XXXX ' in XXXX XXXX , and on to XXXX, Ohio, where I listened over the phone as 'XXXX ' deleted all of the erroneous, disputed charges ; my print-out shows that it took 21 keystrokes. But, unfortunately, XXXX had already reported a delinquency to the CRAs, I believe on XX/XX/XXXX. 

I'm going to upload some files .... some are .doc, some are .pdf ( shows my handwritten notes ). But I can supply others ; perhaps snail-mail is a better alternative ( that's what I did for XXXX ). I leave it to CFPB to sort them out, for now. The .pdf files ARE in chronological order! The .doc are random. 

One more thing : XXXX made ten one-ring robo-calls to my landline between XX/XX/XXXX and XX/XX/XXXX, and two to my cell phone on XX/XX/XXXX, leaving no message every time. I plan on reporting this criminal activity to the FCC in the near future ; let 's see ... .. nn $ $ per occurence ... ..! 

And NOW, you will understand my comments in the " resolution '' section. 

Please don't let XXXX continually fail to deny their omissions, and insist that they correct this mess. If I take it to Court, it will be a slam-dunk .... and then the monetary penalties will surely (? ) catch XXXX XXXX attention.

Company response to consumer: Closed with non-monetary relief