Consumer complaint received 2026-04-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a XXXX, Ive been on medical leave since XXXX/2025. I have an XXXX son. I am reaching out and asking for your mercy. I tried my best to do the right thing. I placed my best efforts in paying my bill. This was all from a simple miss understanding. This all started from a purchase I made trying to help a family member back in XXXX 2024. I paid the balance and thought that my card was paid off in XXXX 2024, due to my XXXX I have a memory problem, with that, I didnt notice that I paid my balance in full a few days late, while making the payment, there weren't any notification indicating it was late at that time. I was assessed a late fee on the next months statement but because I made my initial payment, knowing I paid the balance in full, I didnt log back into my XXXX XXXX account nor paid attention. Months went by before I learned of owing a late fee, I tried getting it resolved through the company protection agency ( ACCOUNT ASSURE ) that I also didnt know I was paying for because I initially declined this feature when I applied for the credit card. Whenever I spoke to any representatives, I was never educated of this information or guided to seek help with this feature. I ended up learning from my statements that I was being billed extra for a protection service because I was trying to understand why I continued receiving a bill. The XXXX XXXX XXXX made XXXX payment for me in XX/XX/XXXX2025 and I tried my best to save the money and once again paid my balance in full. I requested to close my account in XXXX 2025, I didn't owe a balance, it didn't make sense to me. I paid my balance in full once again by the due date in XXXX 2025, this was a great distraught for me and with my XXXX I was in great distress. After once again thinking I am clear, I paid my balance of late fees in full. I felt I could breathe again, only to learn that I was still being charged late fees. I really do not understand how this works, I cant catch a break here. I then recognized that even though I requested my account to be closed, the company continued charging me for Account Assure fees then charging a late fee because that fee wasn't being paid. I requested for my account to be closed, why would I still continue to pay for Account Assure, this didn't make sense. The company continued charging for Account Assure for months before stopping then they continued charging late fees until finally charging off my account in XXXX 2026. They damaged my credit profile entirely, have caused other creditors to stop doing business with me and have caused me to not be eligible for other credit services that I am in dyer need of to make better my and my autistic son life. I tried pleading with the company explaining this doesn't make any sense, my cries all went without mercy. No one took the time to truly review my account for errors. I investigated with CRA, the same lack was provided. I truly need help with this. This has ruined my life, is contributing to my anxiety and distress. No matter how I tried explaining that I have a XXXX, the representatives I spoke to showed no mercy. I am reaching out to you now to please have sympathy, please show some mercy to this situation. I simply do not owe this bill. Can you please assist with this matter? I look forward to your response, thank you.

Company response to consumer: Closed with monetary relief