Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have experienced multiple issues with XXXXXXXX XXXX Store Credit Card using Commenity Bank. I have been charged fees that I was unaware of until recently. This company had me enrolled in XXXX  XXXX, but I never signed up for that. I have been XXXX since before I opened this credit card. Why would I sign up for a program in case I become XXXX or unemployed? 
When I was reporting to the XXXX XXXX XXXX about other issues with the credit card, I read reviews that other people were being charged fees they were unaware of. That is when I decided to look at all my statements. This retailer has charged me for XXXX XXXX on the following statements : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, and XX/XX/XXXX. Also, I was charged interest for the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I never paid my bills late. I have always paid on time and in the full amount due except for XXXX month recently. If I knew I would be charged for a minimum payment instead of the full amount, I would have paid that bill in full. I was even charged late fees for XX/XX/XXXX and XX/XX/XXXX. Lastly, I was charged a paper statement fee for XX/XX/XXXX. However, I enrolled in XXXX at the end of XXXX or the beginning of XXXX. I never received the XX/XX/XXXX or XX/XX/XXXX statements in the mail. Why am I still being charged for paper statements if I have not received them? 
When I went into my account again today through the Bread Finacial App, I had no statements recorded for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I opened this credit card in XXXX, with my first statement received in XX/XX/XXXX. 
I have spoken to multiple people with Commenity Bank on my XXXXXXXX XXXX  credit card. I have sent messages in the secure message center through the Bread Finacial App, along with calling the phone number on the back of that credit card. I have gotten nowhere. Today, I received a letter in the mail from Commenity Bank saying they can not refund me the amounts from XXXX XXXX because if a covered event had occurred, I would have been qualified for an XXXX XXXX benefit. If I have any questions, please call their number on the back of my card. What events occurred? Again, I have been unemployed and XXXX since before XXXX, so it made no sense to sign up for this. 
Every time I call that number, I get transferred and disconnected. Yesterday, I was able to talk to a supervisor on the phone. He told me he would refund the interest charged and the paper statement fee for XX/XX/XXXX. Today, I saw that it was credited back to my card. However, my balance is still the same amount it was when I called about these fees on my statement. I have not seen any refunds credited into my checking account either for all these fees XXXX XXXX told me they credited. They have never given me back all this money. 
To someone else, all these fees may not seem like a lot of money. However, as a person who is XXXX and on a limited income, these fees do add up. I could have used all this money from starting in XXXX for food, gas, hygiene products, medical necessities not covered by my insurance, etc. I do not want to be in debt. These interest charges have lowered my credit score. I do not have any problems with my other retailer credit cards that have not been resolved using Commenity Bank. 
I thought all my issues were resolved when I spoke to someone directly from Commenity Bank on the phone who was not affiliated with XXXXXXXX XXXX. Then, when my XX/XX/XXXX bill came, I had to dispute these new fees. I am so fed up with XXXXXXXX XXXX Bank. I love the store. However, because of all these issues, being charged unaware fees, and other issues I have been experiencing, I will no longer use that credit card. I just want the money back from all these fees since XXXX. I will pay my balance for the items I bought with XXXX 's by the due date. Then, I will deactivate this credit card and never sign up again. If I decide to make future purchases with XXXX 's, I will use my personal debit card, gift cards, or cash, and that is if I make future purchases. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief