Credit card or prepaid card -- Other features, terms, or problems -- Complaint #7388481
Complaint Overview
Complaint ID: 7388481
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Problem with rewards from credit card
State: California
ZIP Code: 91403
Date Received: 2023-08-11T12:00:00-05:00
Date Sent to Company: 2023-08-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/23 : I contacted Comenity Capital Bank to request direct deposit of my {$320.00} earned cash back rewards. Spoke with XXXX. He then conferenced in XXXX, who asked me to verify my cell # so she could send a confirmation text. She then stated " it wouldn't let her send the text '', with no other explanation, and then said the direct deposit could not be performed. I asked her and XXXX to identify how Comenity planned to resolve, since i was able to receive text messages and was, in fact, speaking to them on that phone number. XXXX referred back to XXXX, who said he would consult a supervisor and XXXX left the call. XXXX consulted a supervisor who refused to speak with me, and said he was told I would have to call back on Monday. I said that was not acceptable and I asked to speak with the supervisor. After much back-and-forth, XXXX referred me to a different supervisor, XXXX, who stated there was " information they could not verify '', but he " couldn't tell me what it was. '' I was told I would have to call back Monday and XXXX can resolve it for me then. I believe Comenity is refusing to disperse my earned cash back reward.
Frequently Asked Questions
What is Complaint #7388481 about?
Complaint #7388481 was filed against Bread Financial Holdings, INC. regarding Credit card or prepaid card specifically about Other features, terms, or problems. It was received by the CFPB on 2023-08-11T12:00:00-05:00.
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.