Credit card or prepaid card -- Fees or interest -- Complaint #5850248
Complaint Overview
Complaint ID: 5850248
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Florida
ZIP Code: 32905
Date Received: 2022-08-06T12:00:00-05:00
Date Sent to Company: 2022-08-06T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
Please Read This : Credit card # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX not activated XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX call me I will give you my SS # Phone XXXX XXXX XXXX I am XXXX XXXX XXXX. On XX/XX/XXXX I was notified by the VP of workout anytime my membership was terminated. So, when the bill came, I contacted Comenity bank. I spoke to XXXX of their reps and sent them the email from XXXX XXXX. I said I am only going to pay XXXX dollars for what I owed. So, in XXXX they sent me a bill stating I owed them interest and a late fee because I paid it at XXXX XXXX I told the bank the XXXX does not end until midnight. They did not care and my credit dropped from XXXX to XXXX and that has XXXX me off. I have a complaint with the XXXX & a Law firm who has sued them successfully in XXXX. Any help I would appreciate if you return my credit score back to XXXX My office number is XXXX I am in Florida Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX XXXX Subject : Membership Good Morning XXXX XXXX After reviewing previous emails, survey responses, and speaking with gym staff, it has become obvious that we are unable to meet your needs with respect to our facility in XXXX XXXX XXXX Though we do our best to accommodate the goals and desires of our members, sometimes it's just not a match. When this occurs, we feel it's best to allow our members the opportunity to pursue their fitness goals elsewhere. To that end, your membership has been canceled and you will no longer be billed for services. There is no need to mail your key tag back ; it has been deactivated. We hope you find a facility and environment more to your liking XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #5850248 about?
Complaint #5850248 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 2022-08-06T12:00:00-05:00.
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.