Credit card -- Fees or interest -- Complaint #7998663
Complaint Overview
Complaint ID: 7998663
Company: Bread Financial Holdings, INC.
Product: Credit card
Sub-Product: Store credit card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Arizona
ZIP Code: 85379
Date Received: 2023-12-13T12:00:00-05:00
Date Sent to Company: 2023-12-19T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I do not know exact dates, but I can say the following. First time I charged something on the card I went online the date of the first payment was due and then saw that if a customer pays after XXXX XXXX, the bill is considered late. I was not award of that, so I talked to XXXX and they agreed to remove the late charge. It appeared to be removed but then I discovered so small change wasn't removed. AND then another late charge was assessed. I wasn't aware of that charge. Thinking my balance was XXXX $ I charged a blouse for a little over {$31.00}. Thinking to get ahead of the payment I went to the store in person and paid {$15.00}. I was then totally shocked, since I paid the {$15.00} dollars before the payment due date. I called to see what was going on, and they said that I didn't pay the minimum. I wasn't aware of a minimum and hadn't seen the bill before I made the payment. I requested this be removed, I was told it would be removed, but it was never removed. Now there are over {$120.00} in late charges for a blouse that started out to be a little over {$31.00}
Frequently Asked Questions
What is Complaint #7998663 about?
Complaint #7998663 was filed against Bread Financial Holdings, INC. regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2023-12-13T12:00:00-05:00.
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.