Credit card or prepaid card -- Fees or interest -- Complaint #5196048
Complaint Overview
Complaint ID: 5196048
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: California
ZIP Code: 907XX
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
1. COMENITY - XXXX XXXX XXXX 2. Payment due date : XXXX of every month 3. XXXX payment submitted on XX/XX/2022 via USPS with Tracking # XXXX XXXX XXXX XXXX XXXX ). 4. USPS delivered payment on XX/XX/2022 5. Comenity held payment until past the due date and processed payment on XX/XX/2022 6. Contacted Comenity Customer Service ( XXXX ) XXXX on XX/XX/2022 upon receipt of XXXX statement with a Late Fee Charge of {$29.00} and Interest Charge of {$17.00} ; spoke with XXXX, Customer Service Rep and XXXX, Supervisor and both declined to remove the late fees and interest charges claiming that the account did not qualify for a reversal of said fees/charges despite providing the payment tracking information and history.
Frequently Asked Questions
What is Complaint #5196048 about?
Complaint #5196048 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 2022-02-07T12:00:00-05:00.
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.