Credit card or prepaid card -- Fees or interest -- Complaint #5219578
Complaint Overview
Complaint ID: 5219578
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: Pennsylvania
ZIP Code: 17050
Date Received: 2022-02-14T12:00:00-05:00
Date Sent to Company: 2022-02-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
In chronological order of events : XXXX. Through my Bill payer service, I sent full pay-off amount of {$40.00} to Commenity Bank XXXX XX/XX/2021, which was XXXX days prior to the due date. XXXX sheet attached. XXXX. Commenity Bank alleged they did not receive payment for app XXXX weeks. I was charged a {$35.00} late fee plus {$2.00} interest, resulting in a new balance of {$77.00} XXXX. Sent my first letter, dated XX/XX/2021 which disputed the balance and late fees. Received no response. XXXX sheet attached. XXXX. I continued to receive monthly bills adding new late fees [ {$35.00} each month ] & interest each month. XXXX. I sent a XXXX letter, certified with return receipt, to Commenity Bank, which they received XX/XX/2021. I again disputed the entire balance. I provided a copy from my bank 's Bill Payer service documenting my payment of {$40.00} [ which paid off my account ] was sent on XX/XX/2021. XXXX and XXXX sheets show copies of the letter I certified with return receipt. XXXX sheet attached is a copy of my Bill Payer service printout. I use XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. Received a letter from Commenity Bank, dated XX/XX/2021 - they were researching my dispute of the charges and they requested XXXX days to research and respond to my allegations. XXXX sheet attached. XXXX. It has been over the legal allowable XXXX day time frame which Commenity Bank has to resolve a complaint. I am requesting intervention from XXXX XXXX XXXX XXXX to get this issue resolved. XXXX. The XXXX sheet I attached is my most recent bill, showing a balance of {$110.00}.
Frequently Asked Questions
What is Complaint #5219578 about?
Complaint #5219578 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 2022-02-14T12:00:00-05:00.
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.