Credit card or prepaid card -- Closing your account -- Complaint #5144272
Complaint Overview
Complaint ID: 5144272
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Closing your account
Sub-Issue: Company closed your account
State: Illinois
ZIP Code: 60615
Date Received: 2022-01-24T12:00:00-05:00
Date Sent to Company: 2022-02-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My XXXX Credit Card which is managed by Comenity Bank was closed without warning. I was also not given any written notice of any kind. I have called their customer service twice on XXXX XX/XX/2022 at XXXX and XXXX pm. twice. Each agent I have spoken to would not provide any information and each one hung up on me when I requested a supervisor. I have either requested reopening of the account, an itemized explanation of why this account was closed and settlement of this debt for less than the amount.
Frequently Asked Questions
What is Complaint #5144272 about?
Complaint #5144272 was filed against Bread Financial Holdings, INC. regarding Credit card or prepaid card specifically about Closing your account. 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 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.