Credit card or prepaid card -- Fees or interest -- Complaint #4655150
Complaint Overview
Complaint ID: 4655150
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Michigan
ZIP Code: 48169
Date Received: 2021-08-23T12:00:00-05:00
Date Sent to Company: 2021-08-23T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I purchased furniture from XXXX XXXX and applied for their credit card through Comenity Capital Bank. I paid the bill in full {$730.00} XX/XX/XXXX. I then received a bill stating that I did not pay the XXXX and also was charged late fees and interest and that my new balance was XXXX ( XX/XX/XXXX due date ). I contacted Comenity Capital Bank and completed their resolution process. I was sent a letter dated XX/XX/XXXX which stated what I needed to send in. I sent in a letter dated XX/XX/XXXX along with my current bill due date XX/XX/XXXX in the amount of XXXX and the electronic check ( front & back ) from the bank ; a copy of the XX/XX/XXXX letter and a copy of the bank transmittal showing when the check was delivered to the comenity facility in XXXX XXXX, TX. Later, I received a letter dated XX/XX/XXXX stating, " after careful investigation, we have determined that you are not are not responsible for paying the disputed amount. This adjustment has been made to your account, including any related charges and/or fees, as applicable. Please allow on to two billing statements to reflect the adjustments. If applicable, we have provided this updated account information to the credit bureaus. I continued to received bills that show fees/interest accruing. I called Comenity Capital Bank in XXXX to have them correct this issue as it is affecting my credit with the various bureaus. I was informed that there was nothing that could be done and to wait one more billing cycle. My XXXX bill showed that I owed {$40.00} ; XXXX {$63.00} ; XXXX {$73.00} and now XXXX {$100.00}. Comenity Capital Bank calls my cell phone 3-4 times daily wanting me to pay them what I do not owe. I can never get anyone to correct my account and it is now a HUGE PROBLEM. I feel completely harassed by this banking institution.
Frequently Asked Questions
What is Complaint #4655150 about?
Complaint #4655150 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 2021-08-23T12:00:00-05:00.
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.