Credit card -- Fees or interest -- Complaint #18078719
Complaint Overview
Complaint ID: 18078719
Company: Bread Financial Holdings, INC.
Product: Credit card
Sub-Product: Store credit card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Texas
ZIP Code: 75098
Date Received: 2025-12-01T12:00:00-05:00
Date Sent to Company: 2025-12-01T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing a late fee applied on XX/XX/XXXX by the XXXX Credit Card Company. I made a {$55.00} payment on XX/XX/XXXX before the statement issued on XX/XX/XXXX, and paid the full remaining balance on XX/XX/XXXX, before the due date. The company claims the first payment did not register because it was made before the statement, so my second payment was late. This is unjust, as the Credit CARD XXXX of XXXX requires payments to be credited when received ( 15 U.S.C. 1637 ( b ) ( 3 ) ) and prohibits penalizing customers for timely payments that reduce or satisfy the balance ( 15 U.S.C. 1666i ). I contacted the company to remove the fee, but they refused. I request CFPB assistance to have this improper late fee removed.
Frequently Asked Questions
What is Complaint #18078719 about?
Complaint #18078719 was filed against Bread Financial Holdings, INC. regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2025-12-01T12:00:00-05:00.
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.