Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #6635400
Complaint Overview
Complaint ID: 6635400
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: North Carolina
ZIP Code: 27537
Date Received: 2023-03-01T12:00:00-05:00
Date Sent to Company: 2023-03-01T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I paid off a COMENITYCB/XXXX XXXX account in FULL for {$280.00} using their online portal. I submitted this payment amount directly from my checking account by selecting XXXX XXXX XXXX, since this should include statement balance plus any pending charges or interest. I had not used this card for purchases for at least 9 months prior to this date ( unable to view earlier than 9 months prior ). Any charges that were applied to the account were finance/interest charges. On XX/XX/XXXX, I received an email from XXXX that my XXXX score had decreased by XXXX points. Upon logging into my XXXX account, I can see that 'COMENITYCB/XXXX ' has flagged my account as 30 days past due on XX/XX/XXXX. Had I not received this email from XXXX, I would have never known that I had any balance on this account as I knew that I had paid the balance off in full, and I have not received any correspondence ( calls/emails/parcels/texts ) from Comenity/XXXX regarding any account balance or payments due . Upon logging into the ComenityCB/XXXX consumer portal via htttps : //d.comenity.net/ac/XXXX, I see a past due amount of {$28.00}. The following amounts add up to this number, that I was able to view from 'Transaction Details ' within the portal : XX/XX/XXXX for {$5.00} labeled 'Interest Charge On Purchases ' XX/XX/XXXX for {$5.00} labeled 'Late Fee ' XX/XX/XXXX for {$2.00} labeled 'Minimum Interest Charge ' XX/XX/XXXX for {$13.00} labeled 'Late Fee ' XX/XX/XXXX for {$2.00} labeled 'Minimum Interest Charge ' After discovering the above charges, I called Comenity this morning ( XX/XX/XXXX ) about these charges and they stated that 'I should have selected 'Current Balance ' when my payment was made in full back on XX/XX/XXXX. I responded that I did indeed select this option and that my account balance reflect {$0.00} a few days later when I checked to make sure the payment had processed toward the balance. Again, I did not receive any phone calls emails, parcel mail, or texts regarding this account or regarding an account balance or payment due. Had I known this amount was charged to the account, I would've paid it without much fuss although I still would have wondered why a charge was added after I paid the account off in full. The issue beyond what seems to be fraudulent interest/finance fees that has led me to leaving this complaint is that my credit was severely affected by this adverse reporting of a missed payment - and my credit is something that I have sacrificed much to get back under control. I will gladly provide any further information needed or that might help reversing this missed payment reporting to anyone who is willing to provide assistance. It hurts when you do everything in your willpower to make things right, just to be set back to where you started for something I had no knowledge or control over. It's hard for me to fathom and very frustrating that I didn't receive any calls or notices about a payment due. I don't feel that it is reasonable for someone to necessitate regularly logging into an account portal that is known to have a {$0.00} balance. That's the equivalent of knowing your doors are locked at night, but waking up regularly to double-check they're locked. That's approaching a bout of insanity, and that's what this feels like today. Help please!
Frequently Asked Questions
What is Complaint #6635400 about?
Complaint #6635400 was filed against Bread Financial Holdings, INC. regarding Credit card or prepaid card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2023-03-01T12:00:00-05:00.
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.