Consumer complaint received 2024-11-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
On XX/XX/XXXX they charged me an " interest charge on purchases '' of {$2.00}. Fine. 
Then on XX/XX/XXXX they charged me a late fee of {$41.00}. 
Then I made a payment of {$10.00}. 
On XX/XX/XXXX, I made another payment of {$34.00}. 
On XX/XX/XXXX I got an " interest charge on purchases '' ( not on purchases, but an interest charge on the late fee which is how ALL interest charges are. I haven't used the card for the last year ). 
Then on XX/XX/XXXX, I got a late fee of {$47.00}. 
On XX/XX/XXXX I made a {$10.00}. payment. 
On XX/XX/XXXX, I got an interest charge on the late fee of {$3.00}. 
On XX/XX/XXXX I paid {$15.00}. 
On XX/XX/XXXX, I paid {$10.00}. 
On XX/XX/XXXX I got an interest charge on the late fees and interest of {$3.00}. 
On XX/XX/XXXX I made a payment of {$50.00}. 
On XX/XX/XXXX I got a late fee of {$37.00}. 
On XX/XX/XXXX I got an " interest charge on purchases '' of {$2.00} On XX/XX/XXXX I got another late fee of {$41.00}. 
On XX/XX/XXXX I got " interest charge on purchases '' of {$3.00} On XX/XX/XXXX I got a " finance charge prev cycle purchases '' of {$0.00}. 
On XX/XX/XXXX I paid {$44.00}. 
On XX/XX/XXXX I got a late fee of {$41.00}. 
On XX/XX/XXXX I got " an interest charge on purchases '' of {$3.00}. 
On XX/XX/XXXX I made a payment of {$140.00}. 
On XX/XX/XXXX I got a late fee of {$37.00}. 
On XX/XX/XXXX I made a payment of {$44.00}. 
On XX/XX/XXXX I got a late fee of {$37.00}. 
On XX/XX/XXXX I got " interest charge on purchases '' of {$1.00}. 
On XX/XX/XXXX I got a late fee of {$41.00}. 
On XX/XX/XXXX I made a payment of {$75.00}. 
On XX/XX/XXXX I got an " interest charge on purchases '' of {$2.00}. 
On XX/XX/XXXX I got a late fee of {$37.00} On XX/XX/XXXX I made a payment of {$43.00}. 

I checked my XXXX XXXX and this card has also been doing this. 
The XXXX card I have used within the last year, but I This is the information from XXXX : XX/XX/XXXX I made a {$30.00} payment XX/XX/XXXX I got a minimum interest charge of {$2.00} XX/XX/XXXX I got a late fee of {$30.00}. 
XX/XX/XXXX I got a " minimum interest charge '' of {$2.00}. 
XX/XX/XXXX I made a {$37.00} payment. 
XX/XX/XXXX I got a minimum interest charge of {$2.00}. 
XX/XX/XXXX I made an XXXX purchase of {$46.00}. 
XX/XX/XXXX I made a {$37.00} payment. 
XX/XX/XXXX I MADE A PURCHASE AT XXXX of {$37.00}. 
XX/XX/XXXX I got an interest charge on purchases of {$2.00}. 
XX/XX/XXXX I got a late fee of {$37.00}. 
XX/XX/XXXX I got an interest charge on purchases of {$2.00}. 
XX/XX/XXXX I made a payment of {$45.00} XX/XX/XXXX I made a payment of {$10.00} XX/XX/XXXX I got an interest charge on purchases of {$3.00}. 
XX/XX/XXXX I got a late fee of {$37.00}. 
XX/XX/XXXX Interest charge on purchases {$2.00} XX/XX/XXXX Payment of {$50.00} XX/XX/XXXX Interest charge on purchase {$2.00}. 
XX/XX/XXXX XXXX of {$37.00} XX/XX/XXXX Minimum interest charge of {$2.00}. 
XX/XX/XXXX Late fee of {$37.00}. 
XX/XX/XXXX Minimum interest charge {$2.00}. 
XX/XX/XXXX XXXX of {$76.00}. 
XX/XX/XXXX XXXX in XXXX of {$52.00} XX/XX/XXXX late fee of {$2.00} XXXX interest charge {$2.00} XX/XX/XXXX late fee of {$37.00}. 
XX/XX/XXXX minimum interest charge of {$2.00} XX/XX/XXXX I made a payment of {$97.00} XX/XX/XXXX minimum interest charge of {$2.00} XX/XX/XXXX payment of {$2.00}.

Company response to consumer: Closed with monetary relief