Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

Customer Service XXXX. XXXX  XXXX XXXX, OH XXXX Dear Comenity Credit Card Services, Under the provisions of Massachusetts General Laws, Chapter 93A, Section 9, I hereby make written demand for relief as outlined in that statute. 



I recently signed up for a XXXX XXXX Credit card provided by Comenity to make a purchase. Once the purchase arrived the items did not fit so I sent them back right away. My first statement had a due date of XX/XX/XXXX for the first payment. XXXX XXXX received the returned pants on XX/XX/XXXX and a credit was issued for the amount of {$57.00} resulting in a remaining balance of {$6.00} on my account. Unfortunately I was {$.00} short in paying the remaining balance in full with a {$6.00} payment that they received on XX/XX/XXXX before the statement was due. On my XXXX statement the credit card company whacked me with a late fee of {$29.00} and minimum interest charge of {$2.00}! 



This company in the midst of a national crisis should be ashamed of themselves. My wife is a XXXX XXXX and has not been able to work yet the credit card companies will continue to profit by being ruthless and unfair. I called their customer service line and spoke to their representative XXXX  who was polite but not willing to acknowledge that, from a transactional standpoint, I was only late on {$.00} due to my math error. 



I have included the following documents for reference : Copy of original statement and hand notes of my XX/XX/XXXX payment Documentation ( hand note ) of my call to customer service on XXXX Copy of refund receipt Copy of most recent statement with unfair fees Summary of transactions downloaded from Comenitys online portal Section 2. ( a ) Unfair methods of competition and unfair or deceptive acts or practices in the conduct of any trade or commerce are hereby declared unlawful.

( b ) It is the intent of the legislature that in construing paragraph ( a ) of this section in actions brought under sections four, nine and eleven, the courts will be guided by the interpretations given by the Federal Trade Commission and the Federal Courts to section 5 ( a ) ( 1 ) of the Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ( 1 ) ), as from time to time amended.

( c ) The attorney general may make rules and regulations interpreting the provisions of subsection 2 ( a ) of this chapter. Such rules and regulations shall not be inconsistent with the rules, regulations and decisions of the Federal Trade Commission and the Federal Courts interpreting the provisions of 15 U.S.C. 45 ( a ) ( 1 ) ( The Federal Trade Commission Act ), as from time to time amended.

Therefore, I hereby demand the following relief : I will pay the remaining {$.00} balance as long as the {$31.00} fee and any future late or interest fees are dropped.

Chapter 93A gives you the opportunity to make a good-faith response to this letter within ( 30 ) days. Your failure to do so-could subject you attorneys fees and cost if I decide to institute legal action.