Credit card or prepaid card -- Fees or interest -- Complaint #4884578
Complaint Overview
Complaint ID: 4884578
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: Texas
ZIP Code: 78237
Date Received: 2021-11-07T12:00:00-05:00
Date Sent to Company: 2021-11-07T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/2021 Opened credit card account and made a purchase of {$120.00} in store XX/XX/2021 Made payment of {$60.00} toward the total balance in store XX/XX/2021 interest charge of {$2.00} bringing total remaining balance to {$66.00} XX/XX/2021 was charged a late fee of {$29.00}, called the company 's customer service to have it waived, customer service representative agreed over the phone ( recorded ), and paid the remaining balance of {$66.00} over the phone that was posted on XX/XX/XXXX Continued being charged interest fees and late fees for 3 months upon already paying off the total balance of the credit card. XX/XX/2021 interest charge of {$2.00} XX/XX/2021 late fee of {$31.00} XX/XX/2021 interest charge of {$2.00} XX/XX/2021 Late fee of {$36.00} XX/XX/2021 interest charge of {$2.00} XX/XX/2021 Late fee of {$40.00} XX/XX/2021 Finance charge of {$2.00} Total balance as of XX/XX/2021 is {$140.00}
Frequently Asked Questions
What is Complaint #4884578 about?
Complaint #4884578 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 2021-11-07T12:00:00-05:00.
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.