Credit card -- Closing your account -- Complaint #7524795
Complaint Overview
Complaint ID: 7524795
Company: Bread Financial Holdings, INC.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Closing your account
Sub-Issue: Can't close your account
State: California
ZIP Code: 91768
Date Received: 2023-09-09T12:00:00-05:00
Date Sent to Company: 2023-09-09T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I randomly received a Mastercard fro Comenity Bank that I never applied for so I called to close the account. I was told I would receive an email confirming the closure but never received it. I called the same phone number to confirm. It was closed and the verbal league confirmed that the account was closed. Couple weeks later I received an American express bread rewards card from Comenity that I never applied for with a {$6500.00} credit limit. I called the XXXX XXXX number listed in the paperwork and an automated message Stated that they can not assist me until after XX/XX/XXXX And then disconnects the line.. Today is XX/XX/XXXX And I'm still getting the same message with an immediate disconnection of the line. There are no other phone numbers to call and quick search on the internet gives the same phone number. It is not allowing me any other options to close the account or to even talk to anybody. This worries me deeply that I can get random credit cards in the mail with No Idea where they came from or How they got my information Without my knowledge or approval. I want the account closed. I don't trust this bank. I don't want them to have any of my information. I don't want them to reach out to me for anything but to close this account.
Frequently Asked Questions
What is Complaint #7524795 about?
Complaint #7524795 was filed against Bread Financial Holdings, INC. regarding Credit card specifically about Closing your account. It was received by the CFPB on 2023-09-09T12:00:00-05:00.
How did Bread Financial Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-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) 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.