Credit card or prepaid card -- Fees or interest -- Complaint #4717107
Complaint Overview
Complaint ID: 4717107
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: Problem with fees
State: Nevada
ZIP Code: 89131
Date Received: 2021-09-13T12:00:00-05:00
Date Sent to Company: 2021-09-13T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I was approved for an XXXX XXXX XXXX credit card on XX/XX/XXXX. On that day I made the one and only purchase in the amount of approximately {$180.00}. On XX/XX/XXXX I made a payment in the amount of {$90.00} by check # XXXX. On XX/XX/XXXX I paid the balance in full of {$130.00} by debit card payment. This amount included a late fee of {$38.00}. This was to pay my account off and I also requested to close the account. I then received a statement for an additional late fee. I spoke to XXXX in XXXX and she informed me because the payment in full was late by 3 days, I was responsible for that late fee. I informed her that I had paid the account in full and requested to close the account. The account, to this date, has not been closed out and now I am being billed {$330.00} in late fees and interest charges. I have not been able to get this issue resolved with Comenity Capitol Bank. They have also reported negatively on my credit report. I am asking for some assistance in resolving this issue. I do not feel I should be responsible for the amount they are charging me. Any assistance would be greatly appreciated.
Frequently Asked Questions
What is Complaint #4717107 about?
Complaint #4717107 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 2021-09-13T12:00:00-05:00.
How did Bread Financial Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-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.