Credit card or prepaid card -- Trouble using your card -- Complaint #5713960
Complaint Overview
Complaint ID: 5713960
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Trouble using your card
Sub-Issue: Can't use card to make purchases
State: Ohio
ZIP Code: 454XX
Date Received: 2022-06-27T12:00:00-05:00
Date Sent to Company: 2022-06-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2022 Comenity Bank took the {$37.00} payment for my Victorias Secret credit card. I paid the bill on the XXXX through their app within the Victorias Secret XXXX app. My payment was accepted without a problem. Later in the week, I went to make a purchase because XXXX was having their semi-annual sale. I was unable to log into comenity bank and kept receiving an error message. Today, XX/XX/2022, I tried to contact customer service because they have an incorrect phone number in the system that I noticed when trying to change my password. I kept receiving an error message when attempting to log in. Customer service has a recording that states Due to unforeseen circumstances, our offices are closed. They had no problem taking my money and processing it days later but now no one is in the office to take calls. Their social media channels all have the same script of a planned update that is taking longer than expected. My concern is a security breech, especially seeing they do not have my correct information on file any longer, and not being able to access my account for almost a week. I am now unable to access my account at all. Unfortunately, this is not the first run in Ive had with this company. Back in XXXX of 2022 they started automatic payments from my bank account without my consent. It took days for the issue to be resolved.
Frequently Asked Questions
What is Complaint #5713960 about?
Complaint #5713960 was filed against Bread Financial Holdings, INC. regarding Credit card or prepaid card specifically about Trouble using your card. It was received by the CFPB on 2022-06-27T12:00:00-05:00.
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.