Credit card or prepaid card -- Fees or interest -- Complaint #5304088
Complaint Overview
Complaint ID: 5304088
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: Massachusetts
ZIP Code: 019XX
Date Received: 2022-03-09T12:00:00-05:00
Date Sent to Company: 2022-03-31T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I opened a new XXXX credit card account in XXXX of XXXX. I received my first statement and bill in XXXX, due XX/XX/XXXX in the amount of XXXX. I submitted an online bill payment of XXXX through my XXXX XXXX account on XX/XX/XXXX, with a pay date of XX/XX/XXXX. I received a confirmation number of XXXX and check number is XXXX. XXXX says they did not receive it until XX/XX/XXXX, it was late according to them and I was charged a XXXX late fee. I called XXXX and spoke with XXXX he told me to dispute all fees with Comenity Bank and provided the mailing address. I mailed a letter on XX/XX/XXXX and included screen shots of my online bill payment dates and confirmation number. I received a letter dated XX/XX/XXXX and another bill in the amount of XXXX two late charges and interest. I called back XXXX on XX/XX/XXXX an asked to speak with a Supervisor. I spoke with XXXX and she told me that I would need to prove the date it was received, that the screen shots I sent were not proof. I told her I showed good faith in paying my bill on time by allowing at least 10 days but she told me that it didn't matter- that I am responsible for ensuring it gets to them by XXXX EST. This was my first bill with them, having been a new account that I paid in full and they are continuing to charge me XXXX {$35.00} late fees and interest until I pay. I have opened up an inquiry with XXXX XXXX to see if they can help.
Frequently Asked Questions
What is Complaint #5304088 about?
Complaint #5304088 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 2022-03-09T12:00:00-05:00.
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.