Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #4394191
Complaint Overview
Complaint ID: 4394191
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: Texas
ZIP Code: 766XX
Date Received: 2021-05-20T12:00:00-05:00
Date Sent to Company: 2021-05-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I first obtained the XXXX credit card in XXXX. Never had any payment problems or disputed charges. In late XXXX XXXX XXXX sold it to Comenity Bank. First statement i got from Comenity showed charges i didn't make. I filed a dispute and was told their were mines. I made a written dispute requesting them to please investigate for fraud. I call to check the status and was told the charges were mines. I never made a single payment to comenity because they won't even do a proper investigation to my disputed charges. The charges are from XXXX XXXX. I did go for a wedding but i stayed with family. I called the hotel myself to see if i can get evidence but although my card was used, my name wasn't and therefore they weren't willing to help me but did tell me the credit card company can. Til this day whenever they contact me i tell them I'll pay my balance in full prior to XX/XX/XXXX. Because i never even activated their credit card issued by them. Now they sending it to collections and my 2years window is closing in. So I'd like to get this matter resolved. I ask for comenity please prove it was I who filed these charges because i know for a fact i didn't! I'm not going to pay for something i didn't do. Please remove those fraud/unauthorized charges and i will pay the balance pre XX/XX/XXXX and close the account in good standing and correct my credit. They're coming out like the frauds for not even doing a proper investigation when a consumer requests one.
Frequently Asked Questions
What is Complaint #4394191 about?
Complaint #4394191 was filed against Bread Financial Holdings, INC. regarding Credit card or prepaid card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2021-05-20T12:00:00-05:00.
How did Bread Financial Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.