Credit card -- Problem when making payments -- Complaint #8414181
Complaint Overview
Complaint ID: 8414181
Company: Bread Financial Holdings, INC.
Product: Credit card
Sub-Product: Store credit card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: Pennsylvania
ZIP Code: 193XX
Date Received: 2024-02-24T12:00:00-05:00
Date Sent to Company: 2024-02-24T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I purchased an XXXX ( XXXX ) laptop using zero interest XXXX financing. XXXX chose to sell my and many, many others ' credit lines to Comenity Bank. That transition has led me to owe over {$600.00} in interest ( which was the point of even financing with XXXX in the first ) and late fees. I never missed a payment, but when XXXX pulled the rug out from under me somehow I did. Back in XX/XX/2023 I sent a payment to Comenity through my bank 's paper check system. It was posted and sent before the deadline. Comenity never cashed it. They did, however, cash the next paper check sent to the same po box address the following month. I have been fighting with them since. For all I know they deliberately shredded it just to hold my credit rating hostage to extort late fees and interest dollars from me. I have no choice but to pay this huge some of money because they hold my credit rating hostage and I can't get anywhere with their stonewalling for hours and hours with customer service. They just bounce my from useless call center person to useless call center person holding to the argument that I can't prove that they got the check, which is impossible. I have proof is was sent on time and proof that they didn't cash it, but somehow logic doesn't work in their predatory world.
Frequently Asked Questions
What is Complaint #8414181 about?
Complaint #8414181 was filed against Bread Financial Holdings, INC. regarding Credit card specifically about Problem when making payments. It was received by the CFPB on 2024-02-24T12:00:00-05:00.
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) 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.