Credit card or prepaid card -- Fees or interest -- Complaint #5144031
Complaint Overview
Complaint ID: 5144031
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: New Jersey
ZIP Code: 08060
Date Received: 2022-01-24T12:00:00-05:00
Date Sent to Company: 2022-01-24T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX I purchased a shower curtain from XXXX XXXX. On XX/XX/XXXX at XXXX When the item came in it was the wrong color and curtain. I tried calling customer service and was on hold for a very long time. On XX/XX/XXXX I email customer service at ( XXXX ) told them I received the wrong curtain they sent me a fedex return authorization and was told a credit will be issued in full merchandise and shipping total is {$29.00}. On XX/XX/XXXX I tried calling again to speak with a live person and was on hold for a very long time. they are charging me fees of {$26.00} for a wrong item that was returned. I did not pay anything becuase the item was returned and waiting for the full credit on the next statement which never happened.. XXXX XXXX did not credit the shippling or tax like I was told. I got a late fee of {$25.00} which is more the what the shower curtain was and interest of {$1.00}. I spoke with XXXX XXXX customer service today XX/XX/XXXX at XXXX the women told me she is issuing a credit on the shipping. I asked customer service at XXXX XXXX to contact the credit card on my behalf and help and they said NO. I Contacted Commenity Bank-XXXX XXXX told me she would issue a one time credit on the interest and late fee but I still have to make a payment. WHY??? If they issue a credit and XXXX XXXX issues the credit the balance is XXXX. This is not right or fair... This was not my error this was XXXX XXXX error in shipping the wrong item. If the item was sent in error I should not be.penalized for this. Something needs to be done with these credit card campanies and their high fees. This was the first and last time I shop at XXXX XXXX on line. Customer service is poor and no help. Thank you
Frequently Asked Questions
What is Complaint #5144031 about?
Complaint #5144031 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 2022-01-24T12:00:00-05:00.
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.