Credit card or prepaid card -- Problem when making payments -- Complaint #7281765
Complaint Overview
Complaint ID: 7281765
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: Illinois
ZIP Code: 60631
Date Received: 2023-07-20T12:00:00-05:00
Date Sent to Company: 2023-08-26T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The XXXX XXXX card does not have a website where users can login and make payments. Since I first got the card in XXXX of this year, their website has said that new registration is " temporarily unavailable. '' The only way to make a payment is through a very bare-bones form that accepts your credit card number and only allows you to make a one-time payment. You can't schedule more than one payment. There's no way to set up automatic payments. You can't see any statements or history. That means every month, you have a window of time during which you must go through this weird, tedious process. I would never have expected that in 2023 a credit card would not have a website, would not have online accounts, would have no way of viewing statements online, or would have no way to set up automatic payments. I did make a miss a due date and paid a few days late, because my life is not set up for paying bills the way I did 20 years ago. The fee was {$30.00} for missing a payment by a few days, one time. I did get them to give me a " credit '' for that {$30.00} fee, which they said they can only do one time. The only way to find out that I was charged a fee was to compare my receipts from the store to the balance on their payment form, do the math, and call the customer support XXXX number to ask about the difference.
Frequently Asked Questions
What is Complaint #7281765 about?
Complaint #7281765 was filed against Bread Financial Holdings, INC. regarding Credit card or prepaid card specifically about Problem when making payments. It was received by the CFPB on 2023-07-20T12:00:00-05:00.
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 (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.