Consumer complaint received 2023-03-01
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I paid off a COMENITYCB/XXXX XXXX  account in FULL for {$280.00} using their online portal. I submitted this payment amount directly from my checking account by selecting XXXX XXXX XXXX, since this should include statement balance plus any pending charges or interest. I had not used this card for purchases for at least 9 months prior to this date ( unable to view earlier than 9 months prior ). Any charges that were applied to the account were finance/interest charges. 

On XX/XX/XXXX, I received an email from XXXX that my XXXX score had decreased by XXXX points. Upon logging into my XXXX account, I can see that 'COMENITYCB/XXXX ' has flagged my account as 30 days past due on XX/XX/XXXX. 

Had I not received this email from XXXX, I would have never known that I had any balance on this account as I knew that I had paid the balance off in full, and I have not received any correspondence ( calls/emails/parcels/texts ) from Comenity/XXXX regarding any account balance or payments due . 

Upon logging into the ComenityCB/XXXX consumer portal via htttps : //d.comenity.net/ac/XXXX, I see a past due amount of {$28.00}. The following amounts add up to this number, that I was able to view from 'Transaction Details ' within the portal : XX/XX/XXXX for {$5.00} labeled 'Interest Charge On Purchases ' XX/XX/XXXX for {$5.00} labeled 'Late Fee ' XX/XX/XXXX for {$2.00} labeled 'Minimum Interest Charge ' XX/XX/XXXX for {$13.00} labeled 'Late Fee ' XX/XX/XXXX for {$2.00} labeled 'Minimum Interest Charge ' After discovering the above charges, I called Comenity this morning ( XX/XX/XXXX ) about these charges and they stated that 'I should have selected 'Current Balance ' when my payment was made in full back on XX/XX/XXXX. I responded that I did indeed select this option and that my account balance reflect {$0.00} a few days later when I checked to make sure the payment had processed toward the balance. 

Again, I did not receive any phone calls emails, parcel mail, or texts regarding this account or regarding an account balance or payment due. Had I known this amount was charged to the account, I would've paid it without much fuss although I still would have wondered why a charge was added after I paid the account off in full. 

The issue beyond what seems to be fraudulent interest/finance fees that has led me to leaving this complaint is that my credit was severely affected by this adverse reporting of a missed payment - and my credit is something that I have sacrificed much to get back under control. 

I will gladly provide any further information needed or that might help reversing this missed payment reporting to anyone who is willing to provide assistance. It hurts when you do everything in your willpower to make things right, just to be set back to where you started for something I had no knowledge or control over. It's hard for me to fathom and very frustrating that I didn't receive any calls or notices about a payment due. 

I don't feel that it is reasonable for someone to necessitate regularly logging into an account portal that is known to have a {$0.00} balance. That's the equivalent of knowing your doors are locked at night, but waking up regularly to double-check they're locked. That's approaching a bout of insanity, and that's what this feels like today. 

Help please!

Company response to consumer: Closed with monetary relief