Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #6380163
Complaint Overview
Complaint ID: 6380163
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Overcharged for something you did purchase with the card
State: Florida
ZIP Code: 32958
Date Received: 2022-12-30T12:00:00-05:00
Date Sent to Company: 2022-12-30T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
On XX/XX/XXXX I had some XXXX XXXX done at XXXX XXXX. They gave me financing for {$2200.00} for 5 years. My payments started in XXXX of XXXX with Delta XXXX. The financial specialist at XXXX XXXX estimated my payments at {$55.00} per month. I started paying $ XXXX per month the entire time for a total of {$3200.00}. The Amortization Schedule shows a total of payments of {$3200.00}. for a 5 year loan of {$2200.00} with total interest payments of {$970.00}. Delta XXXX had been charging 28.99 % {$900.00} and 14.99 % on {$1300.00}. I sent the information with my documentation to their XXXX XXXX XXXX XXXX, Ohio on XXXX and they sent back the information on the website NOT the total amount paid on the account to date. I have communicated with their customer service line and they informed me they don't have any information on the account beyond 1 year. They suggested writing the XXXX XXXX XXXX XXXX they couldn't give me the info. I have XXXX sales contracts XXXX signed on XX/XX/XXXX for {$1300.00} and the other on XX/XX/XXXX both for 14.99 % interest.
Frequently Asked Questions
What is Complaint #6380163 about?
Complaint #6380163 was filed against Bread Financial Holdings, INC. regarding Credit card or prepaid card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2022-12-30T12:00:00-05:00.
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.