Credit card or prepaid card -- Fees or interest -- Complaint #4738139
Complaint Overview
Complaint ID: 4738139
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: Tennessee
ZIP Code: 38111
Date Received: 2021-09-20T12:00:00-05:00
Date Sent to Company: 2021-09-20T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I had charged a number of items and returned one of them. As the credit was not on my XXXX statement I attempted to calculate what was owed and paid that. Due to my miscalculation, I was XXXX XXXX off. On my next statement, I was charged {$32.00} in fees for having a XXXX balance. I tried to call but could not get through so I wrote a letter. Instead of refunding the fee, on my next statement, I was charged an additional {$32.00}. I called and this time was able to speak to a person who said they would only refund one of the late fees.
Frequently Asked Questions
What is Complaint #4738139 about?
Complaint #4738139 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 2021-09-20T12:00:00-05:00.
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.