Credit card or prepaid card -- Problem when making payments -- Complaint #4599929
Complaint Overview
Complaint ID: 4599929
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: California
ZIP Code: 90680
Date Received: 2021-08-03T12:00:00-05:00
Date Sent to Company: 2021-08-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have a Mastercard Ultamate Rewards card through Comenity Bank. I made a cashier 's check payment to payoff my balance through my credit union and they cashed it on XX/XX/2021 but did not apply the payment to my account. I opened a dispute with them and provided them with evidence of the cashed payment and they have not applied the payment. This is unacceptable. The cashier 's check number is XXXX in the amount {$2700.00}. I need this amount to be applied immediately to my balance. I also need any finance charges or fees assessed to my account to be reversed. Enclosed is evidence from my credit union that showed the payment has been reconciled.
Frequently Asked Questions
What is Complaint #4599929 about?
Complaint #4599929 was filed against Bread Financial Holdings, INC. regarding Credit card or prepaid card specifically about Problem when making payments. It was received by the CFPB on 2021-08-03T12:00:00-05:00.
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.