Credit card -- Fees or interest -- Complaint #16738223
Complaint Overview
Complaint ID: 16738223
Company: Bread Financial Holdings, INC.
Product: Credit card
Sub-Product: Store credit card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: California
ZIP Code: 91915
Date Received: 2025-10-21T12:00:00-05:00
Date Sent to Company: 2025-10-21T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On my Carters Comenity credit card account, my XX/XX/XXXX statement reflected a credit balance of - {$0.00} ( meaning the issuer owed me ). I made no new purchases after that date. The account was paid in full in XX/XX/XXXX, the fee were accessed nearly a month after the account had been settled. My balance has since grown to approximately {$190.00}, entirely from fees assessed after the credit balance. This appears to be a case of fees being applied when no debt existed, potentially violating the Credit Card Accountability Responsibility and Disclosure Act of XXXX and the Truth in Lending Act. A negative balance should not accrue late fees or interest charges, and I was not provided a clear, itemized breakdown of how these fees were calculated. I contacted the issuer to dispute the charges and requested an itemized fee history, but the balance remains and continues to show as owed. I am concerned this may also be reported to credit bureaus as a delinquency.
Frequently Asked Questions
What is Complaint #16738223 about?
Complaint #16738223 was filed against Bread Financial Holdings, INC. regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2025-10-21T12:00:00-05:00.
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.