Credit card or prepaid card — Bread Financial Holdings, Inc. (TX)

Problem with fees. I bought a piece of jewelry from XXXX XXXX using their relationship with XXXX XXXX XXXX. This transaction totaled about $ XXXX and was made up of two different balance timelines ; one for about $ XXXX and another for $ XXXX. A return also occurred on one transaction that was removed from the balance. I paid off what I thought was the entire balance within the required time frame, but had miscalculated by a few thousand dollars because of the return. I was a few weeks over the line on this small remaining balance and was assessed a finance fee of XXXX on about a $ XXXX balance. Discussions to bring this to a reasonable conclusion failed terribly as they were unwilling to compromise. To make matters worse, they have assessed a late fee on a remaining balance of {$25.00