Credit card or prepaid card -- Fees or interest -- Complaint #6410356
Complaint Overview
Complaint ID: 6410356
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Connecticut
ZIP Code: 068XX
Date Received: 2023-01-07T12:00:00-05:00
Date Sent to Company: 2023-01-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX - I made a payment to XXXX XXXX XXXX XXXX to pay the balance in full, {$96.00}. This payment was done through my banks pay bills feature XX/XX/XXXX - XXXX XXXX cut a check mailing the payment back to me, with a note that the account had a XXXX balance. XX/XX/XXXX - I cashed the check and went to the XXXX XXXX portal and made the payment again. I then messaged them and asked that the late fees and penalty be removed. They argued that they never received the the first payment. I sent them my bank 's confirmation that the payment went through and a copy of the check they cut sending the money back and again asked that the fees and interest be removed. XX/XX/XXXX- Not having heard from them I checked the account and they removed the fees and interest. They also put a credit on the account for the {$96.00}. I messaged them and told them to remove the credit and close the account. XX/XX/XXXX - Comenity charged an old account ending # XXXX {$96.00} and left the credit on the original account ending # XXXX. XX/XX/XXXX - I mailed them a letter asking them to net the XXXX accounts and closed both of them. XX/XX/XXXX - I received a letter saying they closed the account ending # XXXX, but nothing about account ending # XXXX XX/XX/XXXX - I received a statement for account ending # XXXX, showing late fees and interest. XX/XX/XXXX - I called and spoke to XXXX. I was told everything was closed and he would sent a letter showing both accounts closed. He sent a letter showing only Account ending XXXX was closed. XX/XX/XXXX- received a check again returning the payment back to me. This check has not been cashed. XX/XX/XXXX - I received another statement showing additional late fees and interest. I fined a XXXX XXXX XXXX complaint that they have not responded to. I am now receiving statements monthly with additional fees and interest
Frequently Asked Questions
What is Complaint #6410356 about?
Complaint #6410356 was filed against Bread Financial Holdings, INC. regarding Credit card or prepaid card specifically about Fees or interest. It was received by the CFPB on 2023-01-07T12:00:00-05:00.
How did Bread Financial Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.