Credit card or prepaid card -- Fees or interest -- Complaint #6359619
Complaint Overview
Complaint ID: 6359619
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: Florida
ZIP Code: 342XX
Date Received: 2022-12-24T12:00:00-05:00
Date Sent to Company: 2022-12-29T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I made a purchase at XXXX department store in XX/XX/2022 for {$82.00}. I paid the bill through my online bill pay with XXXX bank. XXXX cut the check and mailed the payment on XX/XX/2022. Comenity bank claims they didn't receive the payment until XX/XX/2022 which resulted in a {$29.00} late payment. I contacted comenity protesting such a large late fee and questioned whether they actually received it late. I received to satisfaction I reluctantly paid the late fee which was processed by XXXX and mailed XX/XX/2022. This time comenity claims to have received the check XX/XX/2022 resulting in another late fee of {$29.00}. I contacted comenity in writing and questioned why the delay in their processing the check from XXXX. They responded with the attached letter on XX/XX/2022. In the meantime they continue to charge late fees upon late fees. See attached printout. This is exactly why the CFPB is established for. This is not a matter of a consumer refusing or being able to pay a debt. It is a theft by an institution against a consumer.
Frequently Asked Questions
What is Complaint #6359619 about?
Complaint #6359619 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 2022-12-24T12:00:00-05:00.
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.