Credit card or prepaid card -- Problem when making payments -- Complaint #5076150
Complaint Overview
Complaint ID: 5076150
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: Pennsylvania
ZIP Code: 170XX
Date Received: 2022-01-05T12:00:00-05:00
Date Sent to Company: 2022-01-05T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I signed up for a store credit card in XX/XX/2021. Upon making a purchase that month, I was sent a bill by Comenity - XXXX XXXX XXXX in early XXXX. I went to the store and made a cash payment on XXXX. I was asked if I wanted to use my {$23.00} reward credit towards my balance of {$190.00} balance. I agreed and paid the additional {$170.00}. A month later I received a bill from Comenity for {$25.00}. I first visited the store and was told to call Comenity. I called Comenity on XXXX and explained the situation. They filed a dispute and said I would hear back after review. Yesterday I received another bill for {$27.00}. I called Comenity on XXXX and was told I need to go back to the store. They were aware of the situation of customers making payments at the store but they had no access to the stores information. I think its unacceptable for the store to send me to Comenity and Comenity to tell me to go back to the store. I have a receipt showing that I paid my debt in full.
Frequently Asked Questions
What is Complaint #5076150 about?
Complaint #5076150 was filed against Bread Financial Holdings, INC. regarding Credit card or prepaid card specifically about Problem when making payments. It was received by the CFPB on 2022-01-05T12:00:00-05:00.
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.