Debt collection -- False statements or representation -- Complaint #6725329
Complaint Overview
Complaint ID: 6725329
Company: Bread Financial Holdings, INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Idaho
ZIP Code: 836XX
Date Received: 2023-03-20T12:00:00-05:00
Date Sent to Company: 2023-03-20T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Several attempts have been made to pay in full and close account of victoria secret credit account manage by comenity bank, the first being on XXXX when I was verbally told the account was paid in full and the account would be closed. a payment of XXXX was also made on XXXX on XXXX a minimum interest charge on a balance that was supposed too be XXXX occured. This resulted in XXXX more late fees, and XXXX minimum interest charges over the next few months on an account that had assumingly been paid in full and closed. on XXXX Comenity bank acknowledged the confusion and credited back XXXX $ worth of late fees to my account, and again was supposed to close the account. Today, my husband and I contacted Comenity bank again and there was an outstanding balance of XXXX XXXX This was paid and again the account was asked to be closed ( however it still remains active ). There seems to be a late fee/minimum interest charge that we can not seem to get out of. Also we have been reported to the credit agencies for balances unpaid for the late fee/minimum interest re-entry syndrome. This re entry syndrome also occured on XXXX.
Frequently Asked Questions
What is Complaint #6725329 about?
Complaint #6725329 was filed against Bread Financial Holdings, INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2023-03-20T12:00:00-05:00.
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 (Debt collection) 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.