Credit card or prepaid card -- Problem when making payments -- Complaint #6382482
Complaint Overview
Complaint ID: 6382482
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: Florida
ZIP Code: 34698
Date Received: 2022-12-31T12:00:00-05:00
Date Sent to Company: 2023-01-01T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I have Comenity Bank set up in my Bill Pay account and make a recurring {$750.00} payment monthly. Comenity has lost 4 of the last 6 payments ( XXXX, XXXX, XXXX, and XXXX ) I have made and failed to apply the funds to my account. I have followed their dispute process and even had a 3 way conference call with my bank. Comenity stated they had done a system conversion and were having issues with a large number of payments but would resolve the issue within 90 days. At 90 days they asked us to refile the dispute with more information, but they already had everything they needed from the bank from the first call. They did ask us to use a different address and updated account number and we made the changes requested. They then posted 2 payments before losing the XXXX and XXXX payments. They charged us late fees on both and we have had to file 2 additional disputes.
Frequently Asked Questions
What is Complaint #6382482 about?
Complaint #6382482 was filed against Bread Financial Holdings, INC. regarding Credit card or prepaid card specifically about Problem when making payments. It was received by the CFPB on 2022-12-31T12:00:00-05:00.
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.