Credit card -- Closing your account -- Complaint #17916297
Complaint Overview
Complaint ID: 17916297
Company: Bread Financial Holdings, INC.
Product: Credit card
Sub-Product: Store credit card
Issue: Closing your account
Sub-Issue: Can't close your account
State: Washington
ZIP Code: 98226
Date Received: 2025-11-25T12:00:00-05:00
Date Sent to Company: 2025-11-25T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I paid off my entire balance and called customer service to close my account. They confirmed its closure but kept the account open and accrued interest and late fees. I paid all the fees and requested it closed a second time. The customer service representative confirmed its closure a second time but it stayed open again accruing interest and late fees.
Frequently Asked Questions
What is Complaint #17916297 about?
Complaint #17916297 was filed against Bread Financial Holdings, INC. regarding Credit card specifically about Closing your account. It was received by the CFPB on 2025-11-25T12:00:00-05:00.
How did Bread Financial Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-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.