Credit card or prepaid card -- Closing your account -- Complaint #5196038
Complaint Overview
Complaint ID: 5196038
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: Texas
ZIP Code: 77023
Date Received: 2022-02-07T12:00:00-05:00
Date Sent to Company: 2022-02-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My XXXX Credit Card Accounts issued by Comenity Bank was closed without any notice or explanation. I did not request this closure, my account was in perfect standing with a credit limit of 1900 no history of missed payments. My account was current, and I never missed a payment. I opened this account in XXXX of XXXX and the account was closed by Comenity without explanation on XX/XX/XXXX. This has negatively impacted my credit history greatly as this is one of the longest and best standing credit accounts I had on my credit history.
Frequently Asked Questions
What is Complaint #5196038 about?
Complaint #5196038 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 2022-02-07T12:00:00-05:00.
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.