Credit card -- Other features, terms, or problems -- Complaint #8660204
Complaint Overview
Complaint ID: 8660204
Company: Bread Financial Holdings, INC.
Product: Credit card
Sub-Product: Store credit card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
State: Texas
ZIP Code: XXXXX
Date Received: 2024-03-29T12:00:00-05:00
Date Sent to Company: 2024-03-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
As a long term customer of XXXX XXXX? Comenity Bank, I received notice that they was lowering my credit line. I believe that they are discriminating against and violating consumer protection laws based on the fact that I have never been late and actually have paid off my account multiple times. I was originally given a XXXX credit limit when I opened the account and over the last 3 years it has been at the highest of XXXX. As I stated, I have never been late and have actually paid off the account balance. A consumer should be retaliated against simply because they " don't have mortgage history '', simply put I paid my 20 year mortgage off in XXXX after a flawless pay history with my mortgage company. My credit worthiness was rebuilt and I continue to monitor it. I have filed numerous complaints against XXXX for incorrect information on my credit file. XXXX XXXX
Frequently Asked Questions
What is Complaint #8660204 about?
Complaint #8660204 was filed against Bread Financial Holdings, INC. regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2024-03-29T12:00:00-05:00.
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) 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.