Credit card or prepaid card -- Advertising and marketing, including promotional offers -- Complaint #7150132
Complaint Overview
Complaint ID: 7150132
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-Issue: Didn't receive advertised or promotional terms
State: New York
ZIP Code: 131XX
Date Received: 2023-06-21T12:00:00-05:00
Date Sent to Company: 2023-06-21T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I responded to XXXX/ComenityBank/Bread Financials ' offer in XXXX to open a new XXXX XXXX XXXX XXXX and receive a statement credit of {$100.00} after spending {$1000.00} in 90 days. I fulfilled my obligation in XXXX and was told it would take 1 to 2 billing cycles to post. When I didn't receive the credit, I contacted the bank in XXXX wand was told it took 1 to 2 billing cycles after the 90 days was up, not 1 to 2 billing cycles after meeting the requirement but was assured the credit would be on XXXX statement. It wasn't. I spent over an hour on the phone with XXXX on XX/XX/XXXX and he assured me he was passing it up to the appropriate people and the credit would appear on my XXXX statement. It did not. I called again XXXX and after a great deal of time and several transfers, talked XXXX, SR acct specialist who assured me her manager would have it taken care of by XXXX and if there were any issues someone would call me before that. It was not taken care of & no one called so I wasted another hour today getting as far up the chain as XXXX a SR account Supervisor who spoke to her manager, supposedly the highest level they have, who said there was nothing they could do to issue the overdue credit, or reimburse for interest lost or time wasted. The only thing she was able to do was file a dispute which still did not absolve me from paying the {$100.00} balance I don't owe and may take NINETY days to resolve.
Frequently Asked Questions
What is Complaint #7150132 about?
Complaint #7150132 was filed against Bread Financial Holdings, INC. regarding Credit card or prepaid card specifically about Advertising and marketing, including promotional offers. It was received by the CFPB on 2023-06-21T12:00:00-05:00.
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.