Credit card -- Fees or interest -- Complaint #18499775
Complaint Overview
Complaint ID: 18499775
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: 793XX
Date Received: 2025-11-12T12:00:00-05:00
Date Sent to Company: 2026-01-06T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I registered for this credit card. I tried to pay the bill at Academy and they said they couldn't take the payment. I got an unrealistic late charges. My dad finally figured out how to pay the bill and paid it off. The next month I start getting charged {$7.00} with a {$3.00} late. I haven't used the card. So we call and complain and shut down the card. This month I get the same charges. This company is a joke and abusing young people trying to build credit.
Frequently Asked Questions
What is Complaint #18499775 about?
Complaint #18499775 was filed against Bread Financial Holdings, INC. regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2025-11-12T12:00:00-05:00.
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.