Credit card or prepaid card -- Fees or interest -- Complaint #5732981
Complaint Overview
Complaint ID: 5732981
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: Missouri
ZIP Code: 655XX
Date Received: 2022-07-04T12:00:00-05:00
Date Sent to Company: 2022-07-04T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XXXX I paid off my balance. A couple months later ( in XXXX ) I recieved a letter in the mail stating I now how a late fee. I called and they told me I was charged for paying off the card. They waived everything and I closed my account and canceled my card. My credit report shows my account is closed but a week ago ( end of XXXX ) I recieved a letter stating I owed over XXXX dollars. They said I had been charged XXXX dollars in interest and missed XXXX payments so that is my balance. They said the best they could do was take XXXX dollars off the balance and I would pay the XXXX that remained. I told them I would not be doing that and ended the call.
Frequently Asked Questions
What is Complaint #5732981 about?
Complaint #5732981 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 2022-07-04T12:00:00-05:00.
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.