Credit card or prepaid card -- Closing your account -- Complaint #5736903
Complaint Overview
Complaint ID: 5736903
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Closing your account
Sub-Issue: Company closed your account
State: California
ZIP Code: 92253
Date Received: 2022-07-05T12:00:00-05:00
Date Sent to Company: 2022-07-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am unable to make a payment on my Wayfair/ Comenity Bank Credit card. Comenity closed my account about 3 years ago and I have no idea why. I have been making on time payments ever since. I have never missed a payment or been late. On one recorded line, a message gives me my balance and credit limit and states what my payment amount is, but then the phone is disconnected and I am unable to make a payment. On another recorded message, it says my account is closed and I will have to speak with a customer service agent. However their offices are closed. Their phone lines are down, their online customer support is down. I cant send a payment by mail, because a recorded message said there are no employees to receive the payments. I have spent hours of time trying to reach someone so that I can make a payment on my account.
Frequently Asked Questions
What is Complaint #5736903 about?
Complaint #5736903 was filed against Bread Financial Holdings, INC. regarding Credit card or prepaid card specifically about Closing your account. It was received by the CFPB on 2022-07-05T12:00:00-05:00.
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.