Credit card or prepaid card -- Other features, terms, or problems -- Complaint #5728733
Complaint Overview
Complaint ID: 5728733
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
State: North Carolina
ZIP Code: 28054
Date Received: 2022-07-02T12:00:00-05:00
Date Sent to Company: 2022-07-02T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Bread XXXX/Comenity website had been down for at least 6 days at this point and there is no way to contact the company to get balances or make payments. The company is not communicating with customers as to what is happening other than by putting that the following : " We know the recent system outage has been frustrating and we will work to ensure a fair resolution for impacted customers. Were waiving late fees for customers whose payment due date fell on XX/XX/XXXX or XXXX, 2022. Those customers inability to make a payment will not affect their credit score. You can now check your balance and make a payment online using XXXX. '' If you click on the link and follow the prompts ( assuming this loads ) it gives another error message and gives a link to Customer Care. This sends you to the Bread XXXX page that asks you which card you are inquiring about and sends you back to the original site that you started at. It is very frustrating and all I want to do is make a payment on my card and check my balance. By the way the phone system just gives the same excuse as the website. It is like the person is reading from a script.
Frequently Asked Questions
What is Complaint #5728733 about?
Complaint #5728733 was filed against Bread Financial Holdings, INC. regarding Credit card or prepaid card specifically about Other features, terms, or problems. It was received by the CFPB on 2022-07-02T12:00:00-05:00.
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.