Consumer complaint received 2021-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I applied for XXXX  and XXXX Credit card on XX/XX/XXXX from a company called XXXX XXXX XXXX. I was approved for these credit cards but unbeknownst to me, I was charged for my procedure, that was scheduled for XX/XX/XXXX from XX/XX/XXXX. When I found out, I sent this message to XXXX : Good evening XXXX... on a previous conversation with you, I requested you to not use the XXXX  credit card I got approved for, because they were billing me before I had the procedure, which you did. Now I am getting a call from XXXX stating I owe bill from XX/XX/XXXX to XXXX? IMPOSSIBLE! At that point I was only getting approved for the card. I spoke to a representative who informed you, the charge was put in as of XXXX. As I explained to the representative why would I pay for something that just occurred on XX/XX/XXXX. Now remember I told you to use my XXXXXXXX XXXX  because they do not bill you until the procedure. Why would you submit to XXXX a bill for services in the day I only applied for the card? I should not have been charged for the services until the day of the procedure when I came into the office. I refuse to pay for something that was not done in XXXX and was only set for credit approval. Please straighten out this mess because now it appears this would be a blemish on my credit for being 30 days late. You NEVER told me I was going to be billed as of XXXX. Please straighten this out immediately. Thank you! My issue is I contacted this company, which I was approved for {$7800.00}. I made 2 payments of {$190.00} each and just received a bill stating I owe {$7600.00}. The reason is they charged me a late fee an {$280.00} interest fee because the company charged me from XX/XX/XXXX. I REFUSED TO PAY THIS. As I have constantly explained to the company, XXXX XXXX XXXX did not inform me they bill from the day I applied for the credit card. When I found out XXXX  was billing before the procedure, I canceled the card and used XXXX XXXX because they bill once the services are rendered. However, XXXX did the same thing and had XXXX XXXX bill me right away so they can get their money. I spoke with XXXX XXXX and informed them, I had the procedure on XX/XX/XXXX and they did their investigation and removed their charged and did not start charging me until XX/XX/XXXX. Now why do I have to go through this mess with XXXX? I reached out to their Corporate office and no response. I spoke to several representatives, who said " oh XXXX got their money I will put in a dispute for you ''. I have disputed this twice with this company and they still take the word of XXXX stating they charge the day the card was approved. This is totally ridiculous! Now if I was informed XXXX was going to charge me like the XXXX card did, I WOULD HAVE CANCELED THIS CARD LIKE I DID THE XXXX CARD. This card has no right in billing me a interest charge because of a late payment when I only APPLIED FOR THIS CARD! I put a dispute in for the company XXXX XXXX XXXX as well with CFPB. This is not fair and those charges should be removed. I made 2 payments of {$190.00} apiece, which I was explained would be my monthly charge, but no mention of the whole {$7800.00} would be charged upon approval. You have to do something about both of these companies for unfair practices. Did I sign paperwork, Yes I did but when we went through the paperwork nothing was mentioned about the total amount is due upon approval. Then I was told 50 % had to be paid up front? 50 % of {$7800.00} is not {$7800.00}. I was not told this until I asked why were they charging me now. PLEASE HELP ME!

Company response to consumer: Closed with monetary relief