Credit card or prepaid card -- Problem when making payments -- Complaint #5826724
Complaint Overview
Complaint ID: 5826724
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: Problem during payment process
State: Missouri
ZIP Code: 63376
Date Received: 2022-07-30T12:00:00-05:00
Date Sent to Company: 2022-07-30T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2022 my bank sent an electronic transfer to Comenity Bank for my XXXX XXXX in the amount of {$1100.00}. The payment was never applied to my balance. I have filed a missing payment claim and also proved Comenity with the electronic transaction information including the trace and batch numbers. As of today it still has not been applied. Getting a hold of customer service is a joke and no one can give me an update. Messages sent through the on line message center are taking 4-5 days for a response. I am being told it can take 90 days for it to be corrected which is an absolute joke when Ive provided all of the info to track the transaction.
Frequently Asked Questions
What is Complaint #5826724 about?
Complaint #5826724 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 2022-07-30T12:00:00-05:00.
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.