Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I had a XXXX card that was obviously sold to Comenity Bank and then eventually to Bread Bank, in XXXX At XXXX XXXX XXXX, I do check all my charges but a few weeks ago, I realized that I had a fee, not list as charges, but as fees so a different place on the credit card statement send by email. I saw a charge for " XXXX XXXX " on my XXXX statement for {$36.00}. I was upset because I have no cash advance on this card, and I never, obviously, made a cash advance. I went to the XXXX ) XXXX ) statement, and saw the same {$35.00} charge under fees, for cash advance. 

I called the credit card co, XXXX different times. I was either disconnected, or waited over an hour for any help. Finally yesterday, I decided to wait for as long as I had to, in order to get an answer. I spoke to a XXXX, who confirmed that she saw this charge and gave me another number to call. I asked for a supervisor, immediately. After a considerable wait, I did speak to a supervisor who reviewed the account, and said he was going to file an investigation. I was able to pull up my statements for 24 months only, and found this charge of {$35.00} or {$36.00} on every single statement. Again, I always review charges, but fees are listed separately, so at XXXX, this fee did not catch my attention. So we have at least XXXX fees taken on cash advance and the supervisor did confirm that I do not have a cash advance option. 
Then yesterday I sent a letter, to the comenity bank address, certified, with my concerns, shock that these were fraudulently added to my monthly fee on my credit card. I wonder how many people have been victimized by this action by this bank ( now Bread Bank, I believe ). A true money makes for the XXXX XXXX {$400.00} additional fees per credit card ( $ $ $ ). I also so a late fee XXXX and inquired about this late charge. They informed me that my payment was due on the XXXX and yes, I sent it on the XXXX, but after XXXX pm. OMG- what is this about.? I always pay my credit cards ( XXXX ) at XXXX or XXXX pm on the due date. I consider this a very objectionable practice However, the real issue is possibly XXXX years on monthly fees for a cash advance option that is a bogus one! XXXX sold or transferred XXXX accounts in XXXX and I assume that I was in that batch also. 

I want a settlement of all fees charges, interest, plus. And I also want this practice to be published so others can be aware - probably applies to those accounts transferred in XXXX. As a senior, this is so important that our age group is vulnerable to credit card card schemes, and this fee violation MUST be addressed. I also looked up comentiy and bread Bank- has had number of consumer violations. I would appreciate any advice you have for me but XXXX will Demand a monetary compensation from the credit card company ( payment, no a credit on the card! ). 
Thank you in advance for any help on this matter- I have never experience this before and so angry!

Company response to consumer: Closed with explanation