Credit card or prepaid card -- Fees or interest -- Complaint #6591268
Complaint Overview
Complaint ID: 6591268
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: New Jersey
ZIP Code: 080XX
Date Received: 2023-02-19T12:00:00-05:00
Date Sent to Company: 2023-02-19T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I paid my bill in full to Comenity- Victoria Secret XXXX XXXX before the due date through my XXXX XXXX XXXX TD Bank. They didn't receive the payment. I received another bill from them in XXXX. I have not made any charges to this account since the XXXX time purchase in XXXX. I was directed to their website to upload proof of payment. I have done that. I gave documentation that the bill was paid to them and that they had it. Finally, I had my bank stop payment and reissue the payment since they couldn't figure it out. They have been charging me interest and late fees now totaling {$140.00} on a bill that was paid in full and on time. Please note that Comenity-Victoria Secret had an mailing address change. However, Comenity- J.Crew had the same change and I incurred no problem with having my payment debited. I requested my credit card closed and they have done that except they are still requiring payment for the {$140.00}. Comenity-Victoria Secret 's practices are predatory and fraudulent. I should not be penalized for their inability to find a payment that was made to them.
Frequently Asked Questions
What is Complaint #6591268 about?
Complaint #6591268 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 2023-02-19T12:00:00-05:00.
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.