Credit card -- Problem when making payments -- Complaint #7745483
Complaint Overview
Complaint ID: 7745483
Company: Bread Financial Holdings, INC.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: Pennsylvania
ZIP Code: XXXXX
Date Received: 2023-10-23T12:00:00-05:00
Date Sent to Company: 2023-10-23T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
On XX/XX/2023 three payments of {$200.00} each were deducted from my checking account but only two of the payments were credited to my account. Unable to get thru by phone I emailed customer service and none of their responses made sense even though I had sent them proof from my bank account that the payments had been made. When I finally got thru to some one the phone they puled the proof that I had sent via email and handled the dispute telling me it would take 72 hours and that if I didnt hear back to contact them again. Upon contacting them after 72 hours I was told that a letter would be sent to me and that I would have to wait for that, the letter came today. Nothing on my account at their website, no decision from the person I spoke to, no decision via email. As stated in my attached letter their resolution doesn't make any sense as they stated that I requested a transfer from " the account ending in XXXX ''. I don't have an account ending in XXXX and would like that clarified as the insinuation is that they are transferring the payment from one of my accounts to another. This company has no idea what customer service is.
Frequently Asked Questions
What is Complaint #7745483 about?
Complaint #7745483 was filed against Bread Financial Holdings, INC. regarding Credit card specifically about Problem when making payments. It was received by the CFPB on 2023-10-23T12:00:00-05:00.
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) 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.