Credit card or prepaid card -- Problem when making payments -- Complaint #6586387

Complaint Overview

Complaint ID: 6586387

Company: Bread Financial Holdings, INC.

Product: Credit card or prepaid card

Sub-Product: Store credit card

Issue: Problem when making payments

Sub-Issue: Problem during payment process

State: Pennsylvania

ZIP Code: 184XX

Date Received: 2023-02-17T12:00:00-05:00

Date Sent to Company: 2023-02-17T12:00:00-05:00

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Tags: Older American

Consumer Narrative

XXXX XXXX XXXX Credit Card Comenity Capital Bank, XXXX XXXX XXXX, XXXX, XXXX XXXX above receives payments at : Comenity - XXXX Credit Card XXXX XXXX XXXX XXXX, XXXX, TX, XXXX I spent {$200.00} in XXXX XXXX XXXX XXXX XXXX, XXXX in early XX/XX/XXXX. I was encouraged by the clerks to use XXXX XXXX store credit card to get discounts on purchases for my Great grandkids at XXXX. I did not have the XXXX credit card card with me. No worries clerk says, she will look it up on computer. I received XXXX bill in the mail, wrote immediately my check # XXXX for entire balance of {$200.00} and placed in XXXX, XXXX XXXX XXXX box myself on XX/XX/XXXX. The due date was XX/XX/XXXX, fully 1 week later. They claim it was not received, but my checking account shows it was paid XX/XX/XXXX. Clearly there is a possibility it was there on time, as Comenity has some processing time to open mail and submit a check for payment. In XXXX, I received another bill for a {$29.00} late payment, as Comenity claimed receipt of payment in full was on XX/XX/XXXX, not XX/XX/XXXX. I wrote another check for {$29.00} and mailed it on XX/XX/XXXX at the XXXXXXXX XXXX XXXX XXXX myself. Again, the bill was due XX/XX/XXXX and I mailed the check 10 days before the due date. On XX/XX/XXXX, Comenity, ON THE DATE DUE, printed a bill notifying no payment received and charged an additional fee of {$30.00} added it to the {$29.00} ( which was in transit ) for an immediate payment due of {$59.00}. Not surprising to myself, Comenity processed my payment of {$29.00} on XX/XX/XXXX now 23 days after I placed it in the mail. I suspect that it was at the correct location on time as I mailed it 10 days before date it was due. Today, I gave up. I called Comenity and gave them permission to draft my bank account over the phone just to get out of this SCAM. The amount I owed was {$66.00} to pay account off in full. I have paid {$95.00} in fees. Of course, I closed the account with Comenity. I do not trust this will occur, as it was over the phone and this bank seems to take every opportunity to avoid documentation of payments received. I am reporting Comenity Capital Bank for unfair business practices. I believe that Comenity intentionally delays receipt of payment to generate fees it does not deserve. I believe that it deliberately blames the XXXX XXXX XXXX for Comenitys business practice of insufficient staff to process PAPER checks. I demand that Comenity refund me {$99.00} in unjust fees.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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• Bread Financial Holdings, INC. Company Profile
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