Credit card or prepaid card -- Problem when making payments -- Complaint #7298688
Complaint Overview
Complaint ID: 7298688
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: Indiana
ZIP Code: 46311
Date Received: 2023-07-24T12:00:00-05:00
Date Sent to Company: 2023-07-24T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Account was paid in full by bank check sent through USPS priority mail on XX/XX/2023. USPS tracking shows that the envelope that contained the payment check and payment coupon was picked up at USPS facility on XX/XX/2023 at XXXXXXXX XXXX. I contacted the credit company, Comenity, on XX/XX/XXXX and initiated a dispute as they were showing the payment had not been received. Actions since then have included late fees, interest fees and a report to the credit bureaus of late payment more than 30 days. I have spoken to several representatives from Comenity to attempt to resolve the issue, including offering to stop payment on the check and pay the account electronically and I was told the fees charged and report to the credit bureau could not be changed.
Frequently Asked Questions
What is Complaint #7298688 about?
Complaint #7298688 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 2023-07-24T12:00:00-05:00.
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.