Credit card or prepaid card -- Fees or interest -- Complaint #4386743
Complaint Overview
Complaint ID: 4386743
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Charged too much interest
State: Michigan
ZIP Code: 480XX
Date Received: 2021-05-18T12:00:00-05:00
Date Sent to Company: 2021-05-18T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have been charged a " minimum interest charge '' on my account even though I paid the entire amount ( actually rounded up I paid above the full amount ) onXX/XX/XXXX when the due date wasXX/XX/XXXX. I paid my account above in full 22 days early and I am still being charged some fee called " minimum interest charge ''. Additionally, there is not even a bill created that shows this fee. I am attaching screen prints of my transactions, statement balance and proof of no statement. This bank, Comenity, is in the wrong. Additionally, their customer service has disconnected me twice while trying to resolve this issue and have this illegitimate fee removed from my account.
Frequently Asked Questions
What is Complaint #4386743 about?
Complaint #4386743 was filed against Bread Financial Holdings, INC. regarding Credit card or prepaid card specifically about Fees or interest. It was received by the CFPB on 2021-05-18T12:00:00-05:00.
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 or prepaid 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.