Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
XXXX Dispute Department Comenity Capital Bank Date : XXXX  Re : Unfair Assessment of Fees & Interest XXXXXXXX XXXXXXXX, and Ongoing Charges on a Closed, PaidInFull Account Dear Dispute Team, I am writing to formally contest a series of improper fees and interest charges that have been levied on my XXXX XXXX XXXX ( account XXXX  ) despite my having satisfied the balance in full on XXXX. The conduct described below breaches the XXXX XXXX Agreementspecifically the clause that fees are posted to the account on the date they are assessed and are reflected in the current balance as of that posting dateand therefore violates the Fair Credit Billing Act and related consumerprotection statutes. 

Chronology of Events ( supported by attached statements and correspondence ) : DateAction / TransactionAmountComment XXXXXXXX  posted ( per statement ) $ XXXX should have been reflected in the balance that day. 
XXXX payment ( funds borrowed from my mother ) $ XXXX  portal showed a {$0.00} balance after this payment ; the XX/XX/XXXX fee was not included -- -which was NOT obvious to me or my mother, and we discovered this in XXXX when we call Comenity to find out why I was still being charged interest fees, and late fees. 
XXXX of latefee ( refund ) $ XXXX the original fee was erroneously omitted from the balance, but they would not credit XXXX despite all evidence that I paid the full amount in good faith on XXXX. 

We paid again online-see transaction log XX/XX/XXXXXXXX  while speaking with the rep to MAKE SURE IT WAS posted on no more fees would be placed on the account. 

XXXX closed ( securemessage ) Confirmation that the account was terminated at my request. XXXX XXXX XXXX interest and fee assessments on a closed, XXXXbalance account $ XXXX + $ XXXX Charges generated on a balance that no longer existed. 
XXXX total fees incurred {$190.00} Includes the XXXX fee and subsequent interestoninterest charges that should never have arisen. 
XXXX total interest incurred $ XXXX rationale as above. 

Why These Charges Are Unlawful Failure to Reflect Posted Fees in the Current Balance The agreement requires any fee posted on a given date to be included in the balance shown to the cardholder at that moment. The XXXX  latefee was omitted from the balance displayed on XX/XX/XXXX, leading me to believe the account was truly paid in full. 

Charging Interest on a Nonexistent Balance Once the balance was ( supposedly ) XXXX, no further finance charges may accrue. Yet statements for XXXX and XXXX  show interest calculated on the very fee that should have been credited, effectively charging interest on interest. This contravenes the XXXX provisions of the agreement and the statutory prohibition against finance charges on a XXXXbalance account. 

Continuing to Assess Fees After Account Closure The account was officially closed on XX/XX/XXXX. Any postclosure assessment is impermissible unless a residual balance remains, which, by definition, did not. 

Violation of the Fair Credit Billing Act ( FCBA ) Under the FCBA, a creditor must promptly correct billing errors once notified. Despite my timely payment and the subsequent credit of the latefee, Comenity has persisted in generating additional charges, thereby breaching its statutory obligations.

Company response to consumer: Closed with monetary relief