Credit card -- Fees or interest -- Complaint #11338071
Complaint Overview
Complaint ID: 11338071
Company: Bread Financial Holdings, INC.
Product: Credit card
Sub-Product: Store credit card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Texas
ZIP Code: 77494
Date Received: 2024-12-31T12:00:00-05:00
Date Sent to Company: 2024-12-31T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I made a purchase on my XXXX XXXX XXXX Comenity Bank card in XXXXXXXX XXXX XXXX. I did not receive a bill or statement, so I sent the company {$50.00} on XX/XX/XXXX through my XXXXXXXX XXXX account. I knew the purchase was around that amount but did not know the exact amount. In XXXX, XXXX called and told me I owed {$45.00}, which I paid then. I got a call today saying that I owed {$160.00}. I checked my credit report and it showed a different amount. I asked for the last XXXX transactions. XX/XX/XXXX {$2.00} finance charge XX/XX/XXXX {$37.00} late fee XX/XX/XXXX {$2.00} XX/XX/XXXX {$41.00} late fee XX/XX/XXXX {$2.00} finance charge XX/XX/XXXX {$45.00} payment ( I did not know what I was paying for at this time, but they told me I owed it so I made a payment ) XX/XX/XXXX {$41.00} late fee. How am I charged a late fee when I make a payment first of all? So, in total, I have paid {$95.00} for a {$54.00} purchase. I asked to have the late fees waived and they said no. I told them I needed my statement mailed to me, and they would not answer me and that they would mail me a statement. I told the man I did not know my account number, and he would not provide it. They are unwilling to work with me. I told the man to close my account, and he said it was closed, but I would continue to accrue late fees. I sent them {$160.00} through my bank account and I feel like they have stolen this money from me.
Frequently Asked Questions
What is Complaint #11338071 about?
Complaint #11338071 was filed against Bread Financial Holdings, INC. regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2024-12-31T12:00:00-05:00.
How did Bread Financial Holdings, INC. respond to this complaint?
The company responded with: "Closed with 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.