Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (OH)

I XXXX XXXX XXXX wish to file a legal complaint against the company called XXXX. 
I Opened a credit card account back in XX/XX/XXXX. 

I decided 4 months later in XXXX of XXXX. I did not want the account anymore. Back in XX/XX/XXXX ... I made the final payment of {$54.00} that was owed on this acct. On XX/XX/XXXX. I demanded this acct. be closed asap because I no longer saw any reasons to continue business with this company. 

XXXX XXXX extortion practices start. After XX/XX/XXXX, XXXX and My acct. is officially closed. 

There was no reason for me to be receiving any billings from XXXX XXXX XXXX XXXXXXXX after XX/XX/XXXX. Suddenly, I get another electronic bill for {$2.00} from this XXXXXXXX XXXX XXXX  XXXX after paying a closed acct. off in full amt. of {$54.00} on XX/XX/XXXX. Apparently, XXXX is continuing to keep sending me bills on an already closed acct. 
How XXXX  can this XXXX XXXX be to keep thinking that I am going to keep paying finance charges that they took upon themselves to keep trying to charge me on a closed acct? XXXX, no I dont think so. 
I owe this co. XXXX not one more dime! 
This is the message I receives after my paying the full bal. of {$54.00} off! How is it XXXX is clearly aware of this acct. being closed but continues to extort me continuing to keep charging me finance charges on a closed acct. that XXXX knows at my request is permanently CLOSED! 

Message # 1 here : If you would read above, I should not be receiving any more notifications from this XXXX XXXX after XX/XX/XXXX. 
Why is this XXXX XXXX keep on trying to bill me on a closed acct.? If they had any change in their co. policies and posted in my closed acct. on XX/XX/XXXX, and my acct. was closed on XX/XX/XXXX, then officially I am no longer an acct. holder after XX/XX/XXXX... So, what this XXXX XXXX post as far as their terms STARTING on XX/XX/XXXX has absolutely nothing to do with me due to me no longer be an acct. holder as of XX/XX/XXXX. 

This is where your agency comes in. This is against law. This co. can not and will no be scamming me out of one more dime when I have no balance with them at all after payment in full! 

Just look at the continue billing below here. This XXXX XXXX is harassing and extorting me. This is something I know you people deal with so get this mess of extortion and harassing me for more money to stop! 

Look at message # 2 ( see attachments ) what should I be liable for any bills after I closed this acct. paid the acct. off in full XX/XX/XXXX? 

As of XX/XX/XXXX, paying this acct. off in full I then started to get bills like this in my email? XXXX After paying the account of in a zero balance I continued to keep getting billed on a closed acct! As of today XX/XX/XXXX, I decided to place a call today to this crazy company after looking at my email and getting another e-bill today for {$30.00} I can not understand why I am getting a bill on an account thats been closed since XX/XX/XXXX. XXXX do not own me for life XXXX  is wrong with these people? these people XXXX catalog credit card company under the direction of XXXX XXXX is continuing to keep trying to extort me for monies I do not owe! Just plain old EXTORTION bottom line! the first payment I kept seeing was a two dollar and some change in the next payment kept coming at two dollars and some change again and again and again! 

I could understand what this company keeps billing me to the point whereas some added charges on a closed acct. adds up to {$30.00}. these XXXX XXXX  people know XXXX well they can not keep billing me on a closed account. 

How do CONSUMER PROTECTION AGENCY keep allowing a company like this XXXX XXXX to charge consumers finance charges on closed accounts when you the consumer no longer have the account opened?