Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #5969152
Complaint Overview
Complaint ID: 5969152
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: Ohio
ZIP Code: 446XX
Date Received: 2022-09-10T12:00:00-05:00
Date Sent to Company: 2022-09-10T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
Payment for {$5.00} made through bill pay on XX/XX/22 was not initially credited by XXXX 's XXXX XXXX company ( Comenity ) because it was sent to the creditor 's previous address to receive payments. After speaking with Comenity, a second payment for {$5.00} plus XXXX in interest was made through bill pay on XX/XX/22 and sent to the new Comentiy address for receiving payments. Both payments were credited, however, a late fee was charged to the account in the amount of {$13.00} and interest continued to accrue. On XX/XX/22, I went XXXX and spoke directly with Comenity with the assistance of the XXXX 's employee. I was told that the total at that time was {$17.00} ( more interest ) and would be waived. I closed the XXXX 's credit card account with Comenity at that time. Today i received a bill for {$1.00} and was told i would receive monthly billing statements until balance was paid in full and threatened to be reported to credit bureaus. This is not about paying the amount I owe, because I did paid more than what I owed just to make the problem go away however, when I tried to correct the payment issue, Comenity did not follow through and continued to charge interest on late fees and this appears to continue even with my efforts and now will jeopardize my credit. It is my understanding that interest can't be charged on late fees but that is what seems to be happening here. Please help.
Frequently Asked Questions
What is Complaint #5969152 about?
Complaint #5969152 was filed against Bread Financial Holdings, INC. regarding Credit card or prepaid card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2022-09-10T12:00:00-05:00.
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.