Credit card or prepaid card -- Problem when making payments -- Complaint #5739027
Complaint Overview
Complaint ID: 5739027
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: You never received your bill or did not know a payment was due
State: Massachusetts
ZIP Code: 02446
Date Received: 2022-07-05T12:00:00-05:00
Date Sent to Company: 2022-07-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had an XXXX XXXX XXXX XXXX card with XXXX Bank for five years. The account was set up to make the minimum payment automatically if I didn't schedule a payment myself. At some point in the last few months the account was sold to Comentiy Capital Bank. I did not receive any info regarding this or a new card. I checked my credit report last week and found that this account is now two months past due. After some research I found out about the sale of my account and contacted Comenity. Until this issue with Comenity I had 100 % perfect payment status on all credit bureaus. Comenity was unwilling to fix this situation. I do not have a card from them or access to manage the account. I was never told that my auto payments would be cancelled and that I would have to set them up anew. I have no issue with paying my bills.
Frequently Asked Questions
What is Complaint #5739027 about?
Complaint #5739027 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 2022-07-05T12:00:00-05:00.
How did Bread Financial Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-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.