Credit card or prepaid card -- Closing your account -- Complaint #6363787

Complaint Overview

Complaint ID: 6363787

Company: Bread Financial Holdings, INC.

Product: Credit card or prepaid card

Sub-Product: Store credit card

Issue: Closing your account

Sub-Issue: Company closed your account

State: Ohio

ZIP Code: 44514

Date Received: 2022-12-26T12:00:00-05:00

Date Sent to Company: 2022-12-26T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

My XXXX Victoria Secret card had a XXXX balance I went to use my card in XX/XX/XXXX i was given a number to call because my card needed replaced as it was cracked. I called comenity bank req a new card XXXX card by victoria secret XX/XX/XXXX was told by a XXXX it can take up to 12 weeks XX/XX/XXXX called again to see the status of my card issue they apologized and said allow just a few more weeks XXXX I spoke to a XXXX and was told they could not find my account. So today XX/XX/XXXX I call again spoke to a total of 9 people and was told was closed due to inactivity without any notification. I told them i have been requesting a card for months and still waiting. I logged into my email and got this notification from a credit reporting company which said ____________________________________________________________ Remark code added to COMENITYBANK/VICTORI account Between XX/XX/XXXX, and XX/XX/XXXX, the following remark was added to this account : Account closed by credit grantor. Remarks are meant to make your report clearer. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. _______________________________________________________________ So i keep getting various closed dates. It was never late and always for 4 years in good standings and this will now reflect a lower credit score for me which is unfair. Above says it was closed between XX/XX/XXXX and XX/XX/XXXX Reps have told me it was closed from XX/XX/XXXX which i know was wrong to XX/XX/XXXX Was told again closed XX/XX/XXXX was advised letter not sent. Because they were doing a big system upgrade and they are sorry, no way to reopen it. Called spoke to XXXX and was transferred to a supervisor XXXX, she transferred me to a higher up supervisor XXXX, and she came back on line and asked if I was XXXX?? more than once I have had the worst experience with this company who just closed my account that I was in good standings with for 4 years without any notification XXXX - yet another supervisor only had static on her line when i spoke to the point the call was a big waste of time. Granted I do not use my cards all the time but when i tried i was told it was cracked and to get a new card that never came and then they closed it. I want my account reopened, its not fair to me as a good consumer that pays bills on time. I should have had an email, letter in mail text, call something to say hey your account may get cancelled, but even when I asked for new cards 3x was i told it was cancelled

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

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• Bread Financial Holdings, INC. Company Profile
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