Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #6398664
Complaint Overview
Complaint ID: 6398664
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: Card was charged for something you did not purchase with the card
State: New York
ZIP Code: 14127
Date Received: 2023-01-04T12:00:00-05:00
Date Sent to Company: 2023-01-04T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had my payment set for XX/XX/XXXX. After somehow seeing the payment auto-deducted on the XXXX ( showed up on my bank account XXXX ) I was not happy but if they took the one time payment I wouldnt be pleased but no, that entire charge XXXX was 100 % fraudulant and unauthorized. On XX/XX/XXXX I logged in to make sure they didnt charge me again, and as stated above, they had. I do not and have never had auto-pay set up with them. The payment was not even due until XX/XX/XXXX. The payment was still pending but their exact words were there is nothing we can do, dispute it with your bank. And so I did. Too bad the charge from the XXXX didnt show up on my bank account until the XXXX, so they didnt see the double payment yet and deemed the charge as fine, even though I explicitly explained it was unauthorized. When it did show up on the XXXX, I had to file another dispute. Only this time, my bank froze my bank account for 2 weeks. I have had late payment after late payment for other bills because Comenity Bank basically stole money from me and wont give it back, and expect another payment this month : The money they fraudulently took on the XXXX they refuse to return. They have now locked my account and when I try to log in all I get is we are having technical difficulties. The stress and turmoil I have had to deal with is not only completely unacceptable, its straight up illegal. I am considering taking legal action against them. Comenity bank is the lender for my XXXX credit card, and just so happens to be the lender for a few of my other credit cards. I fear retribution : I fear them deciding to charge me whatever they want whenever they want and no consequences.
Frequently Asked Questions
What is Complaint #6398664 about?
Complaint #6398664 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 2023-01-04T12:00:00-05:00.
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.