Credit card -- Other features, terms, or problems -- Complaint #9210165
Complaint Overview
Complaint ID: 9210165
Company: Bread Financial Holdings, INC.
Product: Credit card
Sub-Product: Store credit card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
State: Illinois
ZIP Code: 60030
Date Received: 2024-06-08T12:00:00-05:00
Date Sent to Company: 2024-06-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
Repeated issue when trying to cancel Bed, Bath & Beyond Welcome Rewards Club. Cost is {$19.00} per year ; if you don't " use it '', you " lose it ''. It auto-renews annually via an on-file credit card #. The website makes it difficult to cancel ( no " I want to cancel '' option, just a single on/off button deep in the system and, more importantly, no way to remove credit card info on the website once you agree let them store it/ '' keep my payment preference ''. And if you do select " Do Not Auto-Renew '' and/or call Customer Service to cancel , they still bill you on your anniversary. They claim it's a mistake but since they have your credit card info on file, they bill you anyway as a convenience to busy club members. Then they notify you, via email, after they've billed your credit card and won't give a refund, even if you call the same or next day, because " that's their policy, it's in the legal disclosure you agreed to ''. BB & B needs to make club cancellation easy, clear, and permanent.
Frequently Asked Questions
What is Complaint #9210165 about?
Complaint #9210165 was filed against Bread Financial Holdings, INC. regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2024-06-08T12:00:00-05:00.
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.