Credit card or prepaid card -- Fees or interest -- Complaint #6618503
Complaint Overview
Complaint ID: 6618503
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: Rhode Island
ZIP Code: 02905
Date Received: 2023-02-26T12:00:00-05:00
Date Sent to Company: 2023-02-26T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XXXX of 2022, I repeatedly attempted to pay my Victorias Secret credit card bill with Comenity bank on their online app/portal. I continued to get an error, and therefore was unable to pay my bill. I have screenshots to back this up. I then attempted to use the online chat, which also did not work. I was charged a {$30.00} late fee, with other interest. I always pay all my bills on time and IN FULL. The companys faulty system made it unable to do so this time. I emailed repeatedly, and never received a response. I filled out a XXXX complaint, and was told that the business will mail me a letter with their findings. I have still yet to receive such letter. Note that XXXX has NUMEROUS complaints on XXXX website, and all responses I see claim that they will mail a letter. I wonder how many consumers actually received a letter? XXXX should not ignore their customers and charge them for their failures. It should be very simple to reverse a late fee that was their own fault instead of claiming theyll mail a letter that never gets sent.
Frequently Asked Questions
What is Complaint #6618503 about?
Complaint #6618503 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 2023-02-26T12:00:00-05:00.
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.