Consumer complaint received 2024-10-18
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

I have a XXXX credit card and I got the card in the store the day I applied... 
Only got because trying to improve credit rating due to previous debt student loan ... .NOT ONCE have I gotten a written statement from bank that handles there fees, charges, etcetera..so I used to have to literally go into store make my XXXX and ask them and they were evasive about balance info too. Now idk about you but I like to " see '' what I'm being charged and why ... the last XXXX I made w them via phone was like $ XXXX dollars on a balance that was below XXXX dollars ... .but i cant tell you anything specific because this bank doesn't send a statement ... .not even when youre late!!! All I get is some foreign language person on phone that can tell little else except what my balance is... ..WHAT LEGITIMATE bank does business like this and XXXX XXXX in banking field however I am paralegal and if I had to guess id say this bank " is not '' following FDIC guidelines in conducting business because rather than send me a statement so I can see my balance and what I'm being charged for they seem to love letting you get past due so they can constantly slap {$41.00} late fee on while changing 39.9 % interest all this after XXXX has filed XXXX I'm reading in news for XXXX time... and oh yeah a gift card I gave my daughter well I'm screwed on that as well ... .nothing can be done since they filed XXXX Now I ask you ... .what professional legitimate company runs their business this way? Does t give it's consumers a monthly statement & tells them they have to eat money they spent and pay them for as well even if it is a bank handling this stores accts... and their website is a joke ( maybe it's because my computer is tied into my work & security on it kicks me out... but Everytime I've tried to pull up anything on their site it kicks me out to where I have to start all over again... but the fact they charge so much and can not afford what a XXXX stamp & less than XXXX prob for statement and envelope ... when I get statements from XXXX other credit card companies that even thou I have both on auto pay they " still '' send me a monthly statement i can review & when i said smthg to XXXX ( prior to closing their doors ) about it all they can say you have to contact bank... which ive tt them and they tell me to go online under XXXX acct ... .which I can't! So see my problem here... I feel like I'm dealing w shady ppl here and now they are blowing up my phone wanting me to pay an acct that should be at like {$60.00} but they keep tacking fees on and I'm never gon na pay it off much less see what I'm paying & why? And final question am I just screwed on this unused gift card now and I've already pd for it but didn't get to use the money so now I basically got ta pay for it Again ... these are concerns NONE of these ppl care about all they want is more & more money and I'm sorry but to me that's just fraudulent in my eyes as well as my bosses eyes who are lawyers! Why should I pay someone a balance when NOT PNE TIME have I seen a break down of my charges, their charges or anything! Can this bank operate in this manner and get away w it? The name on card is XXXX XXXX which I thought comical they didn't even change it to XXXX even after getting my ID and all when issuing the XXXX thing ... last four of acct is XXXX ... can they operate like this and with XXXX filing XXXX I see a Comenity Bank in very very small lettering ( had to get my daughter to read it to me... you should see the card... .it 's ridiculous the little to no info on it. ... And oh yeah I also had so many dollars in rewards at the stupid store ..that 's where I made my XXXX too... since this XXXX bank doesn't see need to send out statements and I've had store cards before ... .I ALWAYS got a statement in mail ... .thank you for any assistance in matter