Credit card or prepaid card -- Other features, terms, or problems -- Complaint #5944318
Complaint Overview
Complaint ID: 5944318
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
State: Texas
ZIP Code: 77095
Date Received: 2022-09-02T12:00:00-05:00
Date Sent to Company: 2022-09-21T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Refund owed has not been received. Details and assistance not being provided. I sent an overpayment of {$4100.00} to XXXX XXXX XX/XX/2022. They claim to have returned the overpayment to me but I have not received the money. When I have asked for detail via the online customer service portal and also via standard mail repeatedly since that time, I have not received the detail requested and I still do not have the money. The check sent to them for the overpayment was generated by a third party ( loan proceeds requiring debt payment ). I have contacted that bank and they claim they have not received any returned funds from Comenity for that amount in my name or into the originating account. Comenity first claimed the money was sent via wire but did not provide detail. Then it was claimed to be sent via check, but I have not received it and they have not provided information on whether or not that check has been cashed by someone other than me. There is no one else in my household so if it has been cashed, it has been done fraudulently.
Frequently Asked Questions
What is Complaint #5944318 about?
Complaint #5944318 was filed against Bread Financial Holdings, INC. regarding Credit card or prepaid card specifically about Other features, terms, or problems. It was received by the CFPB on 2022-09-02T12:00:00-05:00.
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.