Credit card or prepaid card -- Trouble using your card -- Complaint #4824693
Complaint Overview
Complaint ID: 4824693
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Trouble using your card
Sub-Issue: Credit card company won't increase or decrease your credit limit
State: Rhode Island
ZIP Code: 02904
Date Received: 2021-10-19T12:00:00-05:00
Date Sent to Company: 2021-10-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/2021 Comenity Bank decreased my credit limit stating a derogatory real estate loan which is not true. Comenity Bank is using false information to credit wise with their algorithm to handicap individuals of XXXX. I called before to address an error when it stated my credit score was a XXXX. There was no support or assistance with this matter as well.
Frequently Asked Questions
What is Complaint #4824693 about?
Complaint #4824693 was filed against Bread Financial Holdings, INC. regarding Credit card or prepaid card specifically about Trouble using your card. It was received by the CFPB on 2021-10-19T12:00:00-05:00.
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.