Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I called XXXX XXXX XXXX Rewards Master Card Comenity Capital Bank in regards to not receiving my credit card and to pay off my balance of {$31.00} + {$0.00} interest = {$32.00}, and employee XXXX took care of this transaction. I was told by him that my account was now at a XXXX balance. I had recently got this credit card to help build my credit on, XX/XX/XXXX. 

I live in an apartment complex where my mail has been misplaced several times. I have documentation of my previous complaints to the US  Postal Service to prove it. On XX/XX/XXXX, I called Comenity Capital Bank in regards to bills I continued to receive after paying my balance off with XXXX on XX/XX/XXXX, that was now a XXXX balance, and spoke to XXXX. I had not purchased anything from XXXX since I signed up for the credit card. 

Per XXXX, he said that after I paid my balance, a late charge kicked in three days later and thats where the balance on account was coming from. I told him that XXXX never mentioned there was a late charge that was going to show on my statement for the following month, in XXXX. XXXX said that their system mightve not shown the balance at the time of my call. I told him that I thought it was weird that their system wouldnt show this supposed late charge and told him that I wanted to speak to his supervisor to go over that call, since they mentioned to me that the calls are being recorded. I told him that it wasnt fair that they failed to mention this to me and are charging me for something they couldve mentioned to me at the time of my call when I was paying my balance off. I wouldve negotiated something with XXXX at that time so none of this wouldve happen. 

Again, I was trying to build my credit that I had now managed to get to XXXX. Im a single mother of XXXX. This charge is not right! And it happened during the pandemic when my work hours were cut short. I told XXXX that I was not going to pay the late fee and the new accrued charges that now totaled to {$110.00} and told him I was going to take legal action. I canceled my card with XXXX due to this unfairness and he said that even though I was canceling my card, charges will continue to pile up. 

I was being harassed every day! I have numerous voicemails that I still have saved. I was getting about 3-4 calls every day. 

My credit score is now hurting due to this. Since I refused to pay any charges, I have been getting harassed by Comenity Bank. I have numerous voicemails that I havent deleted off my phone. They left me several voicemails saying they will work with me during the pandemic with the payment plan, so, on XX/XX/XXXX, I called Comenity Bank and spoke to XXXX. Again, I was calling to work something out and asked to speak with a supervisor in regards to charges and the pandemic deal they kept harassing me about in the voicemails. XXXX  was a very rude lady and said she was a supervisor. She asked if I can pay at least {$60.00} and I told her no and that I felt that I shouldnt have to pay anything because this late charge came after I paid my balance off and was left at a XXXX. She said my bal. that day was now {$140.00} and that an additional late charge was going to kick in, in three days, again. This lady laughed at me after not being able to help me and said that I shouldve just paid my balance when in the beginning and that wouldve been a deal and I wouldnt have to pay as much as the balance now was. 

A collection company now has this account and continues to hurt my credit when I have done nothing wrong. Amount due now is over {$300.00}. This company is just greedy and obviously will hurt people and their credit just to to try to get something out of it. 

I would like to take legal action and go to state court to clear my name. I would like for them to present all our recorded conversation for these dates ; XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, to match all my documentation.

Company response to consumer: Closed with explanation