Credit card -- Fees or interest -- Complaint #10113474
Complaint Overview
Complaint ID: 10113474
Company: Bread Financial Holdings, INC.
Product: Credit card
Sub-Product: Store credit card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Florida
ZIP Code: 33880
Date Received: 2024-09-09T12:00:00-05:00
Date Sent to Company: 2024-09-13T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I first got a VS card with the bank comenity and I used it yes I had an outstanding payment of over XXXX XXXX XXXX XXXX which is Im not sure absurd or Im not remembering how much late fees were but come XXXX I paid in full and I do have proof of this payment all the money I owed, now I go on my credit report only to see I owe XXXXXXXX XXXX in late fees, now mind you once I paid off this card I wasnt able to use it because they had it locked after I made the payment. When an agent called me days ago she said the late payments were for a purchase which was a lie because I have yet to be able to use this card again and it still has its available XXXXXXXX XXXX credit limit. I reached out again to be more non hostile about this only to be told, that now its because they had returned XXXXXXXX XXXX from the last payment I made, so yes I did ask for a supervisor only to be told I can not speak to one of have to call back, now Im not sure what is going on over there but i did inform the agent that if nothing was to be done or a supervisor wasnt called I was going to sue because you do not and I repeat do not!!! Just decide to give back XXXX XXXX on a full payment that was indeed taken because I have the records, and make me pay more money for a card that was locked and has not been used, my father is a lawyer I know. Now Im coming here because this is ridiculous
Frequently Asked Questions
What is Complaint #10113474 about?
Complaint #10113474 was filed against Bread Financial Holdings, INC. regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2024-09-09T12:00:00-05:00.
How did Bread Financial Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Bread Financial Holdings, INC.?
Yes, visit the Bread Financial Holdings, INC. company profile at readthecomplaint.com/company/bread-financial-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.