Credit card or prepaid card -- Other features, terms, or problems -- Complaint #6026638

Complaint Overview

Complaint ID: 6026638

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: Wisconsin

ZIP Code: XXXXX

Date Received: 2022-09-27T12:00:00-05:00

Date Sent to Company: 2022-09-27T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Tags: Older American

Consumer Narrative

I had a Victoria 's Secret credit card. I was issued an Ulta credit card. I had decided I had little to no use for the Ulta credit card. I called the phone number on the back of the Ulta credit card to close this account. Ulta 's issuing bank is Comenity Bank. I had tried repeatedly to make a purchase at XXXX XXXX XXXX XXXX using my Victoria 's Secret credit card. My purchase was repeatedly denied. After being continually denied I became very frustrated. Thinking that the problem was XXXX XXXX XXXX XXXX website i called them and placed my order with a representative ; once again, my order was declined. I then called the phone number on the back of the Victoria 's Secret credit card to confirm that their card could still be used at XXXX XXXX XXXX XXXX. I also verified my credit limit. Keep in mind a lot of time had passed. Now I called the number on the back of the Victoria 's Secret credit card to speak with a representative to find out what was causing these repeated failures to make a purchase. Victoria 's Secret issuing bank is Comenity ; the same bank as Ulta credit card. I was informed that my Victoria 's Secret credit card had been closed ; by me! I told the representative that there was a mistake ; I would NEVER close my Victoria 's Secret credit card. The representative started reviewing my account. I had told her that I had closed a Ulta credit card. After some discussion the representative then noticed that Comenity Bank is the issuing bank for both Victoria 's Secret and Ulta credit cards. The day that I had called to close the Ulta credit card, the representative had in error closed my Victoria 's Secret credit card. I told the representative that I wanted my Victoria 's Secret credit card back! I was told it was too late I needed to do this much sooner. But I had not known that this is what was causing all my problems. She told me to apply for a new Victoria 's Secret credit card. I did not close my account! A representative of Comenity Bank had closed my account. I was in great standing with my Victoria 's Secret credit card, my entire balance was paid in full. I made all my payments on time. I receive various member rewards for the length of time I had my Victoria 's Secret credit card. I should not have to start all over. This is Comenity Banks error and Comenity Bank should fix this error. I had submitted this complaint XX/XX/2022 it should not take this much time to correct a mistake that they caused. I have missed many, many sales at both Victoria 's Secret and XXXX XXXX XXXX XXXX. Simply reissue my Victoria 's Secret credit card! I am frustrated, I am angry! My original complaint number is : XXXX. I do intend to take this further if I am not restored to my original position. Sincerely, XXXX XXXX

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Disclaimer

This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

Related Pages

• Bread Financial Holdings, INC. Company Profile
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