BREAD FINANCIAL HOLDINGS, INC.


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"Products" offered by BREAD FINANCIAL HOLDINGS, INC. with at least one, but usually more complaints:

Bank account or service - Checking account
Bank account or service - Other bank product/service
Checking or savings account -
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Personal line of credit
Credit card -
Credit card - General-purpose credit card or charge card
Credit card - Store credit card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Gift card
Credit card or prepaid card - Payroll card
Credit card or prepaid card - Store credit card
Credit card or prepaid card - Student prepaid card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt collection - Telecommunications debt
Debt or credit management - Credit repair services
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Virtual currency
Money transfers - Domestic (US) money transfer
Mortgage - Conventional home mortgage
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Other type of mortgage
Other financial service - Credit repair
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Prepaid card - Mobile wallet
Prepaid card - Other special purpose card
Student loan - Federal student loan servicing
Student loan - Private student loan
Vehicle loan or lease - Loan

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Complaint ID: 8204280

Date Received: 2024-01-23

Issue: Problem with a purchase shown on your statement

Subissue: Credit card company isn't resolving a dispute about a purchase on your statement

Consumer Complaint: I sent Comenity Capital Bank a letter on XX/XX/XXXXXXXX disputing a charge on my account. In included documentation supporting that the charge was in error. I have not heard back about the dispute and the charge has not been refunded. The charge is listed on my statement as : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX IN, {$9.00} On XX/XX/XXXXXXXX I received a letter on dated XX/XX/XXXX from Comenity with no substantive information than " Thank you for contacting Comenity '' and " Please call XXXX as soon as possible. '' I called and spoke with XXXX on XX/XX/XXXX, who said he had no information about what the letter was about. He said that if it was about my disputed charge, I should receive a message from the dispute team within 3 weeks. I have still not received any communication. I believe Comenity has not followed the requirements of the the Fair Credit Billing Act, which requires that " Within 30 days of getting your complaint, the issuer must acknowledge it in writing, unless the problem has been resolved. '' ( cited from FTC web site )

Company Response:

State: MA

Zip: 02324

Submitted Via: Web

Date Sent: 2024-01-23

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8203391

Date Received: 2024-01-22

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: In XX/XX/XXXX, I made a purchase with XXXX using my XXXX Credit Card. During this time, I was switching bank accounts from XXXX XXXX to XXXX XXXX. I have numerous credit cards, and unfortunately, I overlooked setting up automatic payments for this specific XXXX card with my new bank. When XXXX contacted me in XX/XX/XXXX about a late payment, I immediately apologized and offered to pay the entire outstanding balance. They informed me of the remaining amount, which I promptly paid, thinking that would resolve the issue. However, they inexplicably charged my account all but {$2.00}, leaving a lingering balance I wasn't aware of. Fast forward to XX/XX/XXXX, I received another call from XXXX stating I owed {$18.00} due to attempted charges on my closed XXXX XXXX account, which were naturally declined. I reiterated that the XXXX account was closed and requested they stop attempting charges there. Frustrated but eager to settle the matter, I offered to pay the {$18.00} to clear the balance. Despite paying the {$18.00}, the account remained open with outstanding charges. My calls seeking resolution were unproductive, with conflicting information and no clear answer on how to clear the balance. My efforts to address the issue consumed hours, adding to the frustration. Now, even after assurances from XXXX representatives that the issue is resolved, this {$2.00} discrepancy, plus additional fees, has landed on my credit report as a 30-day late payment on XX/XX/XXXX, damaging my excellent credit score. This is unacceptable, especially considering my history of responsible credit card use and timely payments on thousands of dollars monthly. I am at a loss with XXXX. Their inconsistent communication, inability to resolve the issue, and damaging my credit score warrant further action. I need assistance navigating this situation to restore my credit score and hold XXXX accountable for their negligence.

Company Response:

State: WI

Zip: XXXXX

Submitted Via: Web

Date Sent: 2024-01-22

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8201195

Date Received: 2024-01-22

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: I opened an account with Commenity Capital Bank at Forever 21 XXXX XXXX. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681a1 " Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ''. Attached are my credit reports which will clearly show inaccuracies in opening dates, my name, payments, and balances as well. 15 USC 1681 604a states that any consumer reporting agency can only furnish a consumer report with my written permission. 15 USC 1681 602a4 states that I have the right to privacy.

Company Response:

State: CA

Zip: 90802

Submitted Via: Web

Date Sent: 2024-01-22

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8199613

Date Received: 2024-01-23

Issue: Communication tactics

Subissue: You told them to stop contacting you, but they keep trying

Consumer Complaint: Bread Pay email collection states that they will only stop contacting via phone employers of a debt if I mail the request. If I inform them over the phone to stop contacting me at my employer, I must send a letter confirming such choice within 10 days or the request is not valid. This is illegal. If I request that the collection agency stop contacting my employer, they must stop doing sofull stop. The law does not indicate how I inform the collection agency of my request, just that I inform them. Bread is using predatory and illegal tactics to collect. See footer of attached email for proof. This serves as my notice to not call my employer. Be warned that if Bread does contact my employer or tries to contact me at my employer, I intend to sue to the fullest extent of the lawand I will prevail.

Company Response:

State: GA

Zip: 30316

Submitted Via: Web

Date Sent: 2024-01-23

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8198751

Date Received: 2024-01-22

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: ON ( XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> ) COMENITYCB/21 in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit Plans go late for any purpose.

Company Response:

State: NY

Zip: 11223

Submitted Via: Web

Date Sent: 2024-01-22

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8197939

Date Received: 2024-01-22

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: I not liable and should not be held liable in any form for this debt with I do not have a contract with They did not provide original contract as I have requested from them. Immediately correction ti my credit report. I personally DEMAND IT TO BE REMOVED

Company Response:

State: FL

Zip: 33056

Submitted Via: Web

Date Sent: 2024-01-22

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8197143

Date Received: 2024-01-22

Issue: Problem with a purchase shown on your statement

Subissue: Credit card company isn't resolving a dispute about a purchase on your statement

Consumer Complaint: On XX/XX/XXXX I made a purchase at XXXX XXXX XXXX for a total of {$1300.00}. I signed up for their XXXX XXXX through Comenity Capital Bank, which had a promotional offer. The cashier charged the XXXX {$1000.00}, but forgot to include the discount from the promotional offer so he cancelled the transaction. He Then attempted to charge the XXXX again for {$1000.00}, but the card was declined due to being over the temporary limit as the previous charge had gone through, even though he cancelled the transaction. On the third attempt, the cashier had me pay with my debit card first. With the discount, the total came down to {$1300.00}. The cashier had me pay {$300.00} with the debit card. The remaining balance of {$990.00} was charged to the XXXX which was declined due to fraud because of how quickly they attempted to run three charges. I paid the reminder with that same debit card. When I received the first statement, I called Comenity to dispute the charge. They asked that I speak with XXXX XXXX to try to settle the matter. I spoke with them on XX/XX/XXXX and they provided receipts showing the 2 cancelled transactions and the 1 successful transaction. I e-mailed this via Comenity 's contact information online as I was unable to create an account during the dispute. I received a letter stating I needed to provide proof in XXXX, which I had already sent. I received a letter in XXXX saying that my complaint was closed. I received a statement in XXXX, where I was told I could send the proof via secure message online or send a letter with all my information to them. I sent a secure message on XX/XX/XXXX with proof. On XX/XX/XXXX, they stated they were looking into the matter. I hadn't received any information by XXXX, so I e-mailed them via secure message on XX/XX/XXXX. On XX/XX/XXXX, they responded that I should call them to speak with their customer care team. The customer care team was an automated payment service.

Company Response:

State: CA

Zip: 92563

Submitted Via: Web

Date Sent: 2024-01-22

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8196777

Date Received: 2024-01-21

Issue: Charged fees or interest you didn't expect

Subissue:

Consumer Complaint: Dispute of Unauthorized Interest Charges and Harassment Account Number : N/A Date of Charge : XX/XX/2023 Amount of Interest Charge : {$1100.00} To Whom It May Concern, I am writing to dispute the unauthorized interest charges on my Kay Jewelers credit account. As of XX/XX/2023, I successfully paid off my entire account balance, and my Kay Jewelers account has been closed. Despite this, I have been subjected to relentless and harassing phone calls regarding additional interest charges, which I believe to be fraudulent and in violation of my rights. It has come to my attention that the phone calls from your representatives have been aggressive, threatening, and made at irregular hours, causing significant distress and affecting my overall well-being. Such tactics are unacceptable and in clear violation of the Fair Debt Collection Practices Act ( FDCPA ). I kindly request the following actions to be taken : Immediate cessation of all communications related to the disputed interest charges and any other attempts to collect on the account balance, as it has been paid in full. A complete and transparent explanation of how the interest charges were calculated and any relevant terms and conditions. A written statement confirming that my account is closed, and no further actions will be taken to collect on any disputed amounts. An investigation into the harassing phone calls I have received, and appropriate actions taken against any representatives who engaged in unprofessional behavior. I am deeply concerned about the impact this situation is having on my credit score and overall financial well-being. I expect this matter to be resolved promptly and with the utmost professionalism. Please respond to this letter within 30 days as per the Fair Debt Collection Practices Act. You can reach me at XXXX or XXXX if you require any additional information or documentation to assist in your investigation. I would like to remind you that under the FDCPA, I have the right to request written verification of any disputed debt. Please provide this verification, including any supporting documentation, in your response. Thank you for your immediate attention to this matter. I anticipate a swift resolution that will protect my rights and credit standing. Sincerely,

Company Response:

State: VA

Zip: 20165

Submitted Via: Web

Date Sent: 2024-01-21

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8196201

Date Received: 2024-01-21

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: Received an email today, XX/XX/XXXX Delinquent Account Company : COMENITY BANKXXXX Reported by : XXXX XXXX ; male ( XXXX? Foreigner ) again, refused to accept my credit card to pay full amount of {$76.00} and close the account out. He said they can only accept a Debit card or bank account ; this is ridiculous! I dont have the monies in my bank account now but when I did they ( XXXX XXXX ) refused to accept without charging me. There is a serious issue of deception with this company! XX/XX/XXXX ; incoming call from XXXX XXXX after I requested her name ), she said she was calling because my account is {$37.00} past due. I replied my account ( XXXX XXXX XXXX is a new account, my first payment minimum ( {$30.00} ) in XX/XX/XXXXXXXX is due each month before the 13th of each month ; I paid {$100.00} because I was having a medical procedure in XXXX, so I paid in advance. XXXX rudely replied that you can not make advance payments ; I replied how would I know that, it wasnt explained on XX/XX/XXXX when I made the {$100.00} on the phone to the customer service representative. She kept saying my account was past due and I repeatedly requested to speak with a manager ; XXXX told me there was no need to speak to a manager because youre past due. After I asked XXXX, youre not going to let me speak to a manager ; she then said one moment. After holding for a while a female came on and said her name was XXXX, the Account Supervisor. XXXX repeated the same thing XXXX said, that we dont take advance payments ; I replied you did, your representative accepted my {$100.00} advance payment on the phone on XX/XX/XXXX, why that wasnt explained to me then. I said Im not the staff, I dont know if its not explained ; XXXX XXXX Account Supervisor ) rudely replied you should its in your statement. FALSE! I told XXXX, okay I will follow up with the Attorney Generals office to see what I should do, since you dont care about consumer rights and hung up. Now its strange that when I paid the {$100.00}, my balance was {$44.00}, I, also, had a credit of {$22.00} for a return and it took forever to get the credit for the return item that they sent me duplication of. made numerous attempts online and called to get help making the payment but your customer service rudely told me I need to try again online because she will have to charge me. This is the date and information I logged on the call : XX/XX/XXXX ; ( XXXX-female ) called ( XXXX ) XXXX because after numerous attempts to login to ( XXXXXXXX ) ; I kept getting this error message : We're experiencing an issue with Account Center that may affect your ability to sign in to your account. We're sorry for the inconvenience. Thank you for your patience while we work to understand the issue and fix it as soon as possible. So, I couldnt make a payment online, this has been an issue since I opened the account and registered. XXXX said my balance was {$44.00} and I had a credit of {$22.00}. She emails me the website that I said already have because she will still charge me if she takes the payment ( RUDE/Poor Customer Service XXXX XXXX this is why I requested to close the account out. I have had nothing but issues since I opened the account in XXXX, XXXX. It doesnt care about quality customer service nor customer friendly system. I told XXXX I will call the corporate office on Monday to make a payment and insure the account is permanently closed! Your company has been problems since I applied for an account, if you want your final payment, have someone assist me in making that final payment and close my account. You cant email or reply back to you, its very frustrating and poor customer service. XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX

Company Response:

State: MS

Zip: 39206

Submitted Via: Web

Date Sent: 2024-01-22

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8194483

Date Received: 2024-01-21

Issue: Fees or interest

Subissue: Problem with fees

Consumer Complaint: I paid my balance in full. The company charged interest 28 days after the balance of {$2.00}. They then charged me a {$40.00} late fee and charged interest. Now my {$2.00} interest charge has resulted in {$80.00} fees. I spoke to XXXX who spoke over me, would not answer questions, and was exceptionally condescending. They agreed to refund my account {$15.00}. I closed my account and asked to be escalated at which point I was escalated to XXXX a senior account XXXX. Nothing was done to resolve this issue and I believe that this is a fraudulent trade practice taking advantage of consumers. I paid my balance in full and yet this was still an issue. I've never had to file a report before, but this is dangerous, and they especially target young women. I have come to the conclusion that I may not see the money, but I do not want other women to be led to believe they have paid some and then spent far more in fees and charges than the actual item cost.

Company Response:

State: TX

Zip: 77566

Submitted Via: Web

Date Sent: 2024-01-21

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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