Credit reporting, credit repair services, or other personal consumer reports -- Credit monitoring or identity theft protection services -- Complaint #6407903
Complaint Overview
Complaint ID: 6407903
Company: Bread Financial Holdings, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-Issue: Billing dispute for services
State: Florida
ZIP Code: 331XX
Date Received: 2023-01-06T12:00:00-05:00
Date Sent to Company: 2023-01-06T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was offered an XXXX XXXX XXXX by Comenity bank in early XXXX. I carried a XXXX balance, never used the card. They charged a yearly membership fee of {$170.00} which I never authorized, and it was paid regardless, back in XXXX. Now the real problem. According to their website, the XXXX XXXX XXXX program ended in XXXX. Accordingly, I have no statements after XX/XX/XXXX. That was my last statement. But my account stayed open and they were charging {$2.00} per month fee. They have now just reported my account 60 days late on {$14.00} worth of fees. Even though my account has no statements since XXXX. Please see the website. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX program has ended, effective XX/XX/XXXX. Because of this, we are no longer accepting new applications for the XXXX XXXX XXXX program. Existing cardmembers will receive additional information about what this change means for your account. " I never used this store card, which had a credit line of {$10000.00}. Attached are the last statement posted on my account, and also transactions proving I paid full balance in XXXX. Then the {$2.00} fees they kept charging on an account that according to them had ended.
Frequently Asked Questions
What is Complaint #6407903 about?
Complaint #6407903 was filed against Bread Financial Holdings, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Credit monitoring or identity theft protection services. It was received by the CFPB on 2023-01-06T12:00:00-05:00.
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 reporting, credit repair services, or other personal consumer reports) 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.