Credit card or prepaid card -- Fees or interest -- Complaint #6095944
Complaint Overview
Complaint ID: 6095944
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Tennessee
ZIP Code: 38583
Date Received: 2022-10-17T12:00:00-05:00
Date Sent to Company: 2022-10-17T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
I have excellent credit. I have few Credit cards. One was XXXX XXXX XXXX through Comenity Bank of Ohio. I used the card for member benefit only and would pay it in it's entirety after each use. Back in XXXX ( I believe ) I ordered some things and made a phone payment that was a day or two late. I did automation and it did not tell me the payment was late. Months later I started getting phone calls and a few emails from Comenity Bank. I honestly thought this was a scam as I was getting a lot during the pandemic. I finally answer to get them to stop and I find out that I was being charged late fees and interest from that late phone payment. I got them to waive one month 's fees due to my good credit standing but they couldn't let it go completely. Since it was my fault for paying late from the beginning I decided to pay what was left and close the account due to Comenity Credit practices and I told Victoria 's Secret about this as well. On XX/XX/2022 I paid Comenity Bank, by phone, XXXX of interest and late fees without a purchase balance and closed the account. Well it has started all over again. The emails, the phone harassment, and I have no idea what the heck they are saying. The account is closed and they are talking interest and late fee 's AGAIN from what I can understand due to their language barrier. Please shut this bank down. Their thieves.
Frequently Asked Questions
What is Complaint #6095944 about?
Complaint #6095944 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 2022-10-17T12:00:00-05:00.
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.