Credit card or prepaid card -- Fees or interest -- Complaint #7113695
Complaint Overview
Complaint ID: 7113695
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Washington
ZIP Code: 99004
Date Received: 2023-06-13T12:00:00-05:00
Date Sent to Company: 2023-06-13T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I contacted Comenity Bank regarding my credit card always being declined in XX/XX/. I learned that my old account was closed due to fraud and a new card was mailed out. I do not recall being told a new card was going to be mailed out. My issue in XX/XX/2023 I was charged a late fee. I did not receive a statement from Comenity to pay my monthly bill. I called to pay my account and asked for the late fee ti be waived. I was told my account was not eligible because Comenity can only waive a late fee every 18months. Because they did not receive returned mail, they still will not waive the fee. I escalated my call to a supervisor and was told the same thing. This is not fair and not okay with me. They are supposed to provide a billing statement and did not, or it was lost in the mail. Why am I being penalized in the amount of {$29.00} due to no fault of my own. My address is the same and I always pay my bill on time. The fee of {$29.00} should be reversed and I don't care about their policy unless they can prove they sent out a statement to my listed address and prove the statement was delivered to my address.
Frequently Asked Questions
What is Complaint #7113695 about?
Complaint #7113695 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 2023-06-13T12:00:00-05:00.
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.