Credit card or prepaid card -- Problem when making payments -- Complaint #5110045
Complaint Overview
Complaint ID: 5110045
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: Arizona
ZIP Code: 85142
Date Received: 2022-01-14T12:00:00-05:00
Date Sent to Company: 2022-01-14T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX a check was mailed to Comenity Bank XXXX XXXXXXXX XXXX XXXX for {$1900.00} through my refi on my home by the escrow title company. The title company accidentally referenced my XXXX rewards number on the check and not my account number. The check in turn was still cashed on XX/XX/XXXX by Comenity Bank and the amount has not been applied to my account. My issue is they could have contacted me by researching the rewards number and found my contact info. I have supplied them with the check number and also with an actual copy of the cashed check and a detailed letter of what happened. As of today XX/XX/XXXX the {$1900.00} still has not been credited to my account and it is still accruing interest on the high balance.
Frequently Asked Questions
What is Complaint #5110045 about?
Complaint #5110045 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 2022-01-14T12:00:00-05:00.
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.