Credit card -- Fees or interest -- Complaint #15333821
Complaint Overview
Complaint ID: 15333821
Company: Bread Financial Holdings, INC.
Product: Credit card
Sub-Product: Store credit card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Minnesota
ZIP Code: 554XX
Date Received: 2025-08-16T12:00:00-05:00
Date Sent to Company: 2025-08-26T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/year> - Opened XXXX XXXX Credit Card XX/XX/year>. XX/XX/year> - Balance of XXXX paid in full via phone. XX/XX/XXXX - letter from XXXX - unopened, assumed receipt showing {$0.00} balance. XX/XX/XXXX - I open letter from XXXX to discover {$190.00} in fees on a {$0.00} balance. XXXX my account was closed in XXXX and sent to collections. Fees continue to accrue. Called Comenity bank asking for fees to be reversed. Representatives refused. Total balance owed was paid in full 38 days after opening the card.
Frequently Asked Questions
What is Complaint #15333821 about?
Complaint #15333821 was filed against Bread Financial Holdings, INC. regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2025-08-16T12:00:00-05:00.
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.