Good Sam Enterprises review: Why compounded late charges from Bread Financial

I have been notified that I owe $45 monthly compounded late charges from Bread Financial whom I have never heard of for the last few months. (Start multiplying $45 x1 x2 x3 per month.) I called Good Sam # on the Late Fee email and I get Bread Financial whom I have never heard of before. I have been a Good Sam Elite member since 2022.
When I reviewed the account online I see no purchases, only a compounding $45 per month fee. I call the number and they cannot tell me why I am being charged late fees for any purchases. I am Transferred to Good Sam who also cannot tell me of any purchases. Camping World refers me back to Bread Financial. This so sounds like a bait and switch scam I can't believe it! All perfectly legitimate too!
Headed down to Camping World of Denton Texas tomorrow to find out WTF!