Credit card -- Problem when making payments -- Complaint #14511162
Complaint Overview
Complaint ID: 14511162
Company: Bread Financial Holdings, INC.
Product: Credit card
Sub-Product: Store credit card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: Pennsylvania
ZIP Code: 19146
Date Received: 2025-07-07T12:00:00-05:00
Date Sent to Company: 2025-07-07T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Comenity Bank Support, Thank you for your attention to my situation and for applying the amount of {$35.00} as a credit to my account. I sincerely appreciate this step and your effort to resolve part of the issue fairly. I would also like to express my gratitude for confirming the following in your official response : That I indeed never received the card, That the account was never registered in your system, That the card was returned to the bank after an attempted delivery, And that the mailing information I provided was correct, which is further confirmed by the fact that I did receive a physical letter from the bank albeit without the card number ( which is rather strange ), but containing a reminder not to miss a payment. This confirms that postal delivery was functioning properly, and therefore the responsibility for the card not being delivered and all subsequent access and registration issues lies with the bank, as acknowledged in your response. It also confirms that the bank is acting transparently and not misrepresenting the situation to third parties. Nonetheless, my core issue remains unresolved : I still do not have access to my card number, and without it I can not : register for Account Center, make any payment, submit a formal inquiry through secure channels, or request closure of the account. As Ive mentioned previously, I am unable to use phone or voice-based communication, including TTY/TDD, due to technical limitations. However, I do have a valid email and mailing address, and I kindly ask that these be used as the primary means of contact. In light of this, I respectfully request : That you provide my full credit card number or offer a secure written channel through which I can receive it, That you provide an official email address for account-related communication, That I be allowed to pay off the balance in full, without any additional fees or unwanted recurring services, And that the account be permanently closed after payment is completed. I sincerely hope that with your support, this matter can be resolved clearly and constructively, without further complications. Thank you in advance for your understanding and cooperation. Sincerely, XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #14511162 about?
Complaint #14511162 was filed against Bread Financial Holdings, INC. regarding Credit card specifically about Problem when making payments. It was received by the CFPB on 2025-07-07T12:00:00-05:00.
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.