Consumer complaint received 2022-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (GA)

Hi, I was having a problem with the credit card company Comenity Capital Bank as the bank that issues My BJ 's Perks World Mastercard account. 

Let me tell you the problem we were having, for once on XX/XX/XXXX, I was forgotten to pay my credit card bill with this company, I was paying for Purchases I made from ( XX/XX/XXXX to XX/XX/XXXX ) FULL BALANCE amount of {$1700.00}. 3 days late ( XX/XX/XXXX ) from the DUE date ( XX/XX/XXXX ) than I DO UNDERSTAND if the next billing cycle ( XXXX ) they will charge me for Fee charge {$29.00} and Interest Charge {$67.00} for the next closing date XX/XX/XXXX and the due date was on XX/XX/XXXX, for this fee was still makes sense. 

Than I was paying FULL BALANCE amount of Purchase I made on XX/XX/XXXX to XX/XX/XXXX, with the GRACE PEROID between the XX/XX/XXXX through the DUE DATE XX/XX/XXXX, with the Purchases balance of {$2600.00} + Fee charged {$29.00} + Interest charged {$67.00} the FULL BALANCE I was paying on XX/XX/XXXX was {$2700.00}. 
Which is mean I wasn't paying late because they was received my payment 5 days BEFORE the DUE date right? 

But guess what on the next billing cycles my Purchased balance ( XX/XX/XXXX to XX/XX/XXXX ) was {$1800.00}. The Due date for this bill was on XX/XX/XXXX, with that mean I still got the GRACE PERIOD from XX/XX/XXXX to XX/XX/XXXX right? 
They charged me Interest Charged of {$60.00}.

And again I was paying them FULL BALANCE OF {$1800.00} + {$60.00} ( interest charged ) TOTAL BALANCE PAID ON XX/XX/XXXX was {$1800.00}. 
Which is once again I wasn't paying late AND was PAYING FULL BALANCE 8 DAYS EARLY. 
When I call the company they said that I still have the residue balance from the bills that I was paying late, what residue that they talking about? 
I was paying FULL BALANCE and that said I knew I don't have any residue payment because I was paying in FULL AMOUNT EVERY MONTHS. 

Than on next billing cycles the Purchase I made from ( XX/XX/XXXX to XX/XX/XXXX ) was {$2200.00} AND THE WEIRD THINGS WAS THEY STILL CHARGED FOR INTEREST OF {$44.00} and when I call them AGAIN they said that I got charges for interest in BETWEEN THE GRACE PERIOD from my previous balance last months, how that can be? It's just doesn't make any sense. 
I thought GRACE PERIOD means that they give us time to paying in FULL BALANCE BEFORE THE DUE DATE, right? 
AND ONCE AGAIN I was paying FULL BALANCE ON XX/XX/XXXX of {$2200.00}. 
for this billings cycle DUE DATE WAS ON XX/XX/XXXX AND that's mean I was paying EARLY IN BETWEEN GRACE PERIOD FROM XX/XX/XXXX to XX/XX/XXXX and I saw from my husband bank account they deducted our money on XX/XX/XXXX. 
That is ALSO mean that I was paid EARLY for 10 days. 

But they sent me email for the XXXX billings DUE ON XX/XX/XXXX FOR {$4700.00}. 
HOW CAN THAT BE? 
When I call them again the BAD CUSTOMER SERVICE SAID THEY DON'T RECEIVED MY CHECK FROM THE BANK????? 
BUT THEY DID DEDUCTED MY MONEY. 
Long story short they said that my bank was sent them check with wrong account number, that's just don't making any sense than my husband call his bank to making sure that they sent the money to the right account number and guess what they did, because I got the record of the bank sending them the check, I think they just make an excuse so they can be able to ROBBING me with all that ridiculous charges. 
So because of their ridiculous explaination my husbands bank said if they still can apply our payment to the credit card bills or bank can pull the money back to my husbands bank account, if they can't apply the payment on my account. 

So after I wait to making sure they get my money and that was recorded on the credit card statement at XX/XX/XXXX with the finance charge credit back to me of {$14.00}, but I still don't get it why on the same day they return my payment back to the bank for {$2200.00}. BUT the bank received the money back on the account on XX/XX/XXXX. Isn't that their tricks so I would GOT NEVER ENDING ridiculous INTEREST and FEE CHARGES? 
SO than I call the credit card company again to PAY OFF all my DEBT plus the interest ALSO CLOSE MY ACCOUNT with them, ALONG with the {$9.00} fee to payment over the phone but guess what, the CUSTOMER SERVICE REFUSED, they not let me pay the {$9.00} FEE because I must pay the FEE for the next billing cycle, this is RIDICULOUS. 
They try to TIE ME UP TO PAYING SUCH A RIDICULOUS CHARGES THAT IS NOT MAKE ANY SENSE, they try to PLAYING A TRICKS on me. 
Since maybe they thought I not speak good XXXX, because XXXX are my second language, so they thought I won't do anything with them ROBBING ME. 

So than I PAID OFF my DEBT with them FULL BALANCE AGAIN along with the DEBT from the BALANCE they returned to the bank + INTEREST, the total amount I was paying was {$5000.00}. 
That mean the INTEREST was {$280.00}. 
In my understanding was they did all this in PURPOSE so than they can get more INTEREST CHARGE from me by saying that they don't received my payment on XX/XX/XXXX and after we talk on the phone they APPLY the PAYMENT on XX/XX/XXXX to my card account, but because my DUE DATE was suppose in XX/XX/XXXX so that's mean they can't charge me INTEREST and LATE FEE or what ever FEE that might apply to my card, that is why they return my money to the bank. 

And the funny thing is when I ask them for the {$9.00} over the phone Fee, if I pay over the phone again will I got charge {$9.00} again?? 
THE BAD CUSTOMER SERVICE said that I can pay by AUTOMATIC PAYMENT OVER THE PHONE, she said it's FREE of charge. 
But guess what they TRICKING ME AGAIN, everytime I call the answering machine kept transfer me to the CUSTOMER SERVICE FOR XXXX, so than no way for me to paying the {$9.00} over the answering machine right? 
Than I ask the guy who was taking my payment over the phone and tell him that his company kind like want to TIE ME UP to pay the {$9.00} over the phone Fee, again and again and again it will be never ending payment, than the guy said he will WAVE the {$9.00} fee, which is great I thought at first. 

But I just got another Statement for payment DUE DATE XX/XX/XXXX, in that statement says I own them INTEREST CHARGED for {$28.00}. 
WHERE THAT CHARGES COME FROM? Since I paid FULL BALANCE OVER THE PHONE, for {$5000.00}. on XX/XX/XXXX. 

This last INTEREST CHARGE balance of {$28.00}, I won't pay them because I have the right to refuse to pay for the balance that I not owe them, since I was paying all in FULL AMOUNT for all the ridiculous reasons that they told me. 
And because I was PAID OFF ALL MY DEBT and I was closed my account with them on XX/XX/XXXX, but they kept bill me for some charges that is not making any sense. 

Please help me to resolve this problem, thank you so much in advance. 
Hopefully with your help this BAD BUSINESS can be done correctly, and no one will get this problem any more with this credit card company. 
Have a good day.