Credit card -- Problem with a purchase shown on your statement -- Complaint #9674108
Complaint Overview
Complaint ID: 9674108
Company: Bread Financial Holdings, INC.
Product: Credit card
Sub-Product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: Michigan
ZIP Code: 48071
Date Received: 2024-07-31T12:00:00-05:00
Date Sent to Company: 2024-07-31T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello CFPB. I have worked to resolve this matter on and off for the majority of XXXX and am filing a complaint as a final resort. On XX/XX/XXXX I was offered a promotional discount to apply for a Victoria 's Secret Angel Card in store at checkout. I provided my valid current ID with my accurate address that I have resided at for XXXX years and the sales associate stated that I would receive a decision by mail. I paid for my total purchase of {$19.00} with cash and left the store. I did not receive documentation or communication by mail, but I was in the middle of a divorce and the in store experience wasn't top of mind. I have attached a letter outlining the details of the events that followed, but ultimately, Comenity Bank sent 4 months worth of account documents to an outdated address ( statements attached for proof ), my account went delinquent and is report XXXX, XXXX, XXXX, XXXX, XXXX and XXXX day lates on my credit, I settled the matter for {$120.00} despite maintaining my claim that the charge was made in error and I was not given time to dispute the matter initially, and now my credit is ruined due to a horrendous payment history that resulted from circumstances outside of my knowledge or control. This is unacceptable. Teenagers should NOT be taking credit applications at the register like it's a loyalty program ( which is what is described ) and I believe I have been a victim of predatory lending. I had another open account with Comenity at this time ... and statements were being sent to my correct address. There is no excuse.
Frequently Asked Questions
What is Complaint #9674108 about?
Complaint #9674108 was filed against Bread Financial Holdings, INC. regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2024-07-31T12:00:00-05:00.
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.