Credit card or prepaid card -- Fees or interest -- Complaint #6275676
Complaint Overview
Complaint ID: 6275676
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: Charged too much interest
State: Maryland
ZIP Code: 217XX
Date Received: 2022-12-03T12:00:00-05:00
Date Sent to Company: 2022-12-03T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
On XXXX XXXX, Comenity Capital Bank took over the XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. From XXXX to XXXX we had charges of {$3600.00} on this card. The bill we received on XXXX was still from XXXX XXXX XXXX and we paid it in full with check # XXXX for {$3600.00} ( had few cents credit from prior bill ). Mailed to XXXX XXXX XXXX XXXX financial devices in XXXX, DE XXXX. For unknown reasons, this check was not cashed and forwarded to Comenity Bank until XXXX. As a result, Comenity has charged me {$38.00} interest and {$28.00} late fee. Both of these charges I dispute as I paid the total card charges on XXXX which is XXXX weeks before the due date ( cancelled check clearly shows this ). I can not be penalized with interest charges due to the problems XXXX XXXX XXXX and Comenity Bank had in handling over the XXXX XXXX business. Despite multiple phone calls to Comenity Bank, I have been unable to get this resolved and continue to get threats about reporting to the Credit Score agencies..According to my charges and payments, they actually owe me about {$5.00} but that is to be sorted out later once interest charge is removed.
Frequently Asked Questions
What is Complaint #6275676 about?
Complaint #6275676 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 2022-12-03T12:00:00-05:00.
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.