Credit card -- Other features, terms, or problems -- Complaint #16310143
Complaint Overview
Complaint ID: 16310143
Company: Bread Financial Holdings, INC.
Product: Credit card
Sub-Product: Store credit card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
State: Alabama
ZIP Code: 359XX
Date Received: 2025-10-01T12:00:00-05:00
Date Sent to Company: 2025-10-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XXXX XXXX Comenity Bank XXXX XXXX XXXX Credit Card, Bread Financial ) I am filing a complaint regarding XXXX Banks XXXX XXXX XXXX credit card, operated by Bread Financial ) failure to provide a requested account verification letter in a timely manner. On XX/XX/year>, at approximately XXXX XXXX., I made my first request for this letter. For comparison, XXXX XXXX provided their version within 2 minutes, but XXXX has repeatedly promised delivery without following through. At 8 a.m. the following day, I was told the letter would arrive within 5 minutes. Since then, over the past three days, I have called multiple times, and each representative has given me the same assurance that it would arrive within 5 minutes yet nothing has been sent. I have spoken with several different employees, including a supervisor named XXXX ( employee ID XXXX ) and most recently XXXX, but the issue remains unresolved. I was also told a physical copy would be mailed, but that could take XXXX business days, which is unacceptable given the urgency of this request. XXXX system states that all calls are recorded, so there should be a record of these repeated false assurances. This ongoing delay is directly affecting my ability to move forward with my mortgage process. I am requesting that XXXX XXXX immediately provide the requested letter electronically ( by secure email or account upload ), and that the CFPB investigate this matter due to repeated misrepresentations and failure to provide timely service.
Frequently Asked Questions
What is Complaint #16310143 about?
Complaint #16310143 was filed against Bread Financial Holdings, INC. regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2025-10-01T12:00:00-05:00.
How did Bread Financial Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.