Credit card or prepaid card -- Fees or interest -- Complaint #6150488
Complaint Overview
Complaint ID: 6150488
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: 34207
Date Received: 2022-10-31T12:00:00-05:00
Date Sent to Company: 2022-10-31T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Comenity Bank underwent a system upgrade which rendered its online site unusable for over XXXX months. I made a credit card payment through my bank 's online payment system. XXXX rejected the payment for unknown reasons, yet still charged me interest on the balance and a late fee. A phone XXXX helped me make the payment after that. XXXX removed the late fees, but have charged me around {$80.00} in interest after I made my payment on time but it was recorded as late because they rejected it. Emails to XXXX get canned responses saying the fees were calculated correctly. XXXX XXXX is there should be no late fees at all since I made a good faith effort to pay my balance in full before finance charges would be assessed, but a problem with their system prevented the payment from going through.
Frequently Asked Questions
What is Complaint #6150488 about?
Complaint #6150488 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 2022-10-31T12:00:00-05:00.
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.