Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #6852462
Complaint Overview
Complaint ID: 6852462
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: Store credit 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: Virginia
ZIP Code: 220XX
Date Received: 2023-04-17T12:00:00-05:00
Date Sent to Company: 2023-04-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Ladies and Gentlemen. Please be advised. I made a purchase with Jared XXXX in XX/XX/XXXX. Unfortunately, they are financed through Comenity bank. We never received the ring after purchasing, due to some modifications that were required. Because the ring was not ready by the promised date of delivery, we returned the purchase of the ring. However, Comenity bank had already started charging me interest. They initially charged me {$120.00} on XX/XX/XXXX. However, that amount significantly increased to {$500.00} the following month. This is AFTER the ring had been returned and was NOT on our possession. I contacted them NUMEROUS times to advise that we did not have the ring. But they advised that I was still required to pay the {$500.00}, even though the account was closed as well. After paying the total amount of {$500.00}, I was charged another {$8.00} the following month ( XX/XX/XXXX ). I paid that amount in addition to another {$15.00}. To prevent them from charging me an additional fee. The account is still closed on ALL the credit bureaus websites. But they refused to close the account and refund me the {$15.00} overpayment. I want them to refund my {$15.00} and PERMANENTLY close my account!
Frequently Asked Questions
What is Complaint #6852462 about?
Complaint #6852462 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 2023-04-17T12:00:00-05:00.
How did Bread Financial Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.