Credit card or prepaid card -- Problem when making payments -- Complaint #5729106
Complaint Overview
Complaint ID: 5729106
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: Kansas
ZIP Code: 66604
Date Received: 2022-07-02T12:00:00-05:00
Date Sent to Company: 2022-07-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have a XXXX 's XXXX. They went out of business at least in the XXXX, Kansas area about 4 years ago. I have been faithfully making my payments every month like clock work for over 7 years. Been paying my balance I had when the store closed since, Today I go to pay my bill due on the XXXX of every month and it said there was a power outage, It instructed me to go to another way of paying, that didn't work. Can't contact them because apparently the power outage has affected their phones too. Now XXXX Bank if you are late takes the whole payment amount and uses it for late fees and interest. If this happens to me I will be upset because I can not access the site to pay..
Frequently Asked Questions
What is Complaint #5729106 about?
Complaint #5729106 was filed against Bread Financial Holdings, INC. regarding Credit card or prepaid card specifically about Problem when making payments. 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 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.