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: 8094811

Date Received: 2024-01-02

Issue: False statements or representation

Subissue: Attempted to collect wrong amount

Consumer Complaint: I purchased a laptop for school through Dell in XXXX of XXXX. I purchased this laptop while I was a student, and I set up monthly auto-payments of $ XXXXmonth immediately upon purchase. The total amount for this laptop was {$2200.00}. With this, my account was supposed to be paid in full in 29.8 months. I have been paying monthly payments since XX/XX/XXXX, and have paid almost {$600.00} over the purchase amount due. I am being charged an additional monthly ( financial adjustment is what I think he called it ) fee of {$36.00}, and they have been adding it to my account without my knowledge. I looked through my financial info that I have from Dell, and this " financial adjustment fee '' is not listed anywhere. In addition, this {$36.00} charge that is being added to my account does not come anywhere close to matching a potential 23.49 % APR. When I purchased this laptop, I was told that I was purchasing during a student promotional period so I would not accrue interest if paid off in time. In addition, I have a physical piece of paper attached to my account that states, " we will not charge you any interest on purchases if you pay your entire balance by the due date each month ''. I have an interest rate of 23.49 % stated on my contract, but it does not say when I will be charged this APR. Originally, this was financed through Dell preferred account credit pay on Dell Financial Services. Since XXXX of XXXX, Dell has switched to Comenity Capital Bank. This is the new bank that has been contacting me with my account delinquency. I have not paid my monthly auto pay since they switched banks, as I have to set it up again and the account did not transfer over to the new bank. When I purchased my laptop, my original purchase cost was {$2200.00}. I had been paying $ XXXX/mo on the XXXX of each month. At the present moment, my balance is {$1600.00}. I looked at my bank statements, and Dell Pay has been lowering my amount paid by {$1.00} each month for almost two years now, and in XXXX of XXXX I was paying around {$50.00} for my monthly bill. Dell lowered this monthly charge without notifying me. I have spoken to multiple people on the phone at both Dell and Comenity, and here are the things I have been told : - Dell no longer has access to any of my purchase history, invoices, transactions, contract, etc. because they have switched banks -I did not make the purchase through Comenity, they are simply the bank, so they also have no access to my purchase history, invoices, transactions, contract, etc. -I am not able to access any of my account information on my Dell portal until I pay my overage bill of roughly {$150.00} and change. -I am being charged an additional monthly ( financial adjustment is what I think he called it ) fee of {$36.00}, and they have been adding it to my account without my knowledge. I have never seen anything regarding this, nor was I aware it would ever happen. I have read over everything I have, and I don't see anything about this. I can't access my online portal, so I can't see if it's in there at the moment. Basically if I want to see my account info I have to pay these overages, but I would like to avoid any of this until I know what is going on here.

Company Response:

State: CO

Zip: XXXXX

Submitted Via: Web

Date Sent: 2024-01-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8094146

Date Received: 2024-01-02

Issue: Improper use of your report

Subissue: Credit inquiries on your report that you don't recognize

Consumer Complaint: Starting on XX/XX/, Comenity Capital has done five unauthorized hard credit inquiries on me. I have contacted Comenity several times, and each time, they tell me they do not have a record of the credit inquiry, and thus, they can not help me. I then follow up with XXXX, who tells me that I need to contact Comenity. I have frozen my credit score. Besides that, I do not know how to stop Comenity Capital from making these unauthorized, erroneous credit checks.

Company Response:

State: NJ

Zip: 07307

Submitted Via: Web

Date Sent: 2024-01-02

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8093612

Date Received: 2024-01-02

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: On or about XX/XX/XXXX, the credit issuer for XXXX XXXX added a duplicate line item to reflect a charge-off. This was previously reported on or about XX/XX/XXXX. I have attached the document that illustrates the history and the proof that the account has been resolved. I have only had on account this company. Since they entered this duplicate line item my credit score has decreased by XXXX points from one credit reporting agency. I would like the entry from XX/XX/XXXX removed immediately.

Company Response:

State: MD

Zip: 210XX

Submitted Via: Web

Date Sent: 2024-01-02

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8092988

Date Received: 2024-01-02

Issue: Fees or interest

Subissue: Problem with fees

Consumer Complaint: I am writing to dispute a charge of {$100.00} to my credit card account on XX/XX/2023. The charge is in error because we did not receive any statement notification via email between XX/XX/2023 XX/XX/2023. Due to this fact, and that we did not receive any paper statements as well, after the account went past 60 days due, I am disputing all charges on the account after XX/XX/XXXX, less the {$2.00} mandatory interest fee that item has been paid with the {$43.00} payment made on XX/XX/2023. I received the XXXX statement on XX/XX/2023, and my husband proceeded to pay the balance of the account on XX/XX/2023, of {$130.00}. After that payment, I did not receive any notice of a balance due until the XX/XX/XXXX statement. At that time, my husband made a {$43.00} payment to bring the account back to current, waiting to contact you after the new year and the holidays. Because I did not receive any email, or paper statements, as stated above, and the obvious intent at the time was to pay the balance off, I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement showing a XXXX balance on the account.

Company Response:

State: WA

Zip: 990XX

Submitted Via: Web

Date Sent: 2024-01-02

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8092817

Date Received: 2024-01-02

Issue: Improper use of your report

Subissue: Credit inquiries on your report that you don't recognize

Consumer Complaint: Hard inquiries were made to the following Credit bureau agencies including XXXX and XXXX. XXXX ) On XX/XX/XXXXXXXX XXXX made a hard inquiry accoridng to the XXXX report. Their address is XXXX XXXX XXXX, XXXX, OH XXXX. XXXX ) On XX/XX/XXXXXXXX XXXX made a hard inqury according to the XXXX credit report. Their address is XXXX XXXX XXXX, XXXX, OH XXXX. XXXX ) On XX/XX/XXXX, XXXX made a hard inquiry according to the XXXX credit report recently XXXX Their address is XXXX XXXX XXXX, XXXX, OH XXXX. According to the XXXX credit report the following hard inquires were made reently. XXXX ) XXXX XXXX XXXX made a hard inquiry on XX/XX/XXXX. Thier address is XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. XXXX ) XXXX XXXX made a hard inquiry on XX/XX/XXXX. Their address is XXXX XXXX XXXX Wilminton DE, XXXX. XXXX ) XXXX XXXX made XXXX hard inqury on XX/XX/XXXX. Their address is XXXX XXXX XXXX, XXXX OH XXXX.

Company Response:

State: WA

Zip: XXXXX

Submitted Via: Web

Date Sent: 2024-01-02

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8091574

Date Received: 2024-01-02

Issue: Advertising and marketing, including promotional offers

Subissue: Confusing or misleading advertising about the credit card

Consumer Complaint: XXXX XXXX serviced by comenity Bank provided me a XXXX percent promotional rate at the time of purchase. However, no one told me what my payments needed to be or when the promotional rate would expire. In the past their online system would provide a minimum payment of what is required Tobe paid in order to avoid intrest fees. This service had been removed and I believe it to be removed to confuse consumers of how to avoid getting the deferred intrest charge. This act by the financial institution is predatory in nature. Contacted the bank and was informed they will only show minimum payment to avoid late fees and not intrest charged. This makes me believe they are also instructing their employees not to provide this information upfront at the time of purchase.

Company Response:

State: GA

Zip: 30519

Submitted Via: Web

Date Sent: 2024-01-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8091208

Date Received: 2024-01-02

Issue: Other features, terms, or problems

Subissue: Other problem

Consumer Complaint: I am requesting the name, address, phone number, fax and email for the custodian of records who maintains records for the credit card accounts financed by Comenity.

Company Response:

State: NJ

Zip: 073XX

Submitted Via: Web

Date Sent: 2024-01-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8090829

Date Received: 2024-01-02

Issue: Attempts to collect debt not owed

Subissue: Debt was paid

Consumer Complaint: On XX/XX/XXXX, I purchased a desktop computer from Dell and financed it through Dell Financial Services. See Exhibit A. I included a one year warranty in the purchase price. Exhibit B. The payments for the warranty were {$5.00} per month and extended through XXXX of XXXX. In approximately XXXX of XXXX, I received an email notifying me I could extend my warranty, I opted not to do so. In XX/XX/XXXX, I was notified that Dell had transferred its financing to a third party, Comenity Bank. See Exhibit C. In XXXX I received the statement for {$10.00} and I paid it without thought, knowing it was my last charge for the warranty about to expire. I then received another billing statement in XXXX. I called the number on the billing statement, XXXX and spoke to a call service representative of Dell. He told me Dell records showed that I owed no money to Dell. He took some time and came back to my call saying he had a notation on the record and sent me an email confirming that nothing was owed to Dell. See Exhibit D. Then in XXXX, I received another billing statement. I again spoke to a Dell representative and she told me Dell records showed that I owed no money to Dell and she referred me to Comenity. I called Comenity and explained the issue. The representative came back on the line and told me that Comenity only billed for what Dell sent them. So, back to Dell. The representative again told me I owed nothing and a note would be put in my file again to correct. The Comenity representative stated she would prepare a dispute claim and I sent her the documentation for it. In XXXX, I received notice from Comenity that my claim was under investigation. See Exhibit E. In XXXX, another billing statement. Same merry-go-round as before and I was told the matter was still under investigation. XXXX, XXXX, I received another billing statement. See Exhibit F. I then wrote a letter and sent it XXXX to the general counsel for Dell with a copy to Comenity. Exhibit G. I have heard nothing from that correspondence, except another billing statement on XX/XX/XXXX. I have very little recourse except through you or the courts, and at XXXX, having been a XXXX XXXX for 47 years, I do not want to spend my time in court. I ask for your assistance. Thank you.

Company Response:

State: NC

Zip: 280XX

Submitted Via: Web

Date Sent: 2024-01-02

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8090442

Date Received: 2024-01-02

Issue: Improper use of your report

Subissue: Credit inquiries on your report that you don't recognize

Consumer Complaint: XX/XX/2023 requested information on the inquiry that i didnt make. i heard nothing from the company. my credit is under fraud investigation.

Company Response:

State: KS

Zip: XXXXX

Submitted Via: Web

Date Sent: 2024-01-07

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8090431

Date Received: 2024-01-02

Issue: Getting a credit card

Subissue: Delay in processing application

Consumer Complaint: On XXXXXXXX I applied for the XXXX credit card online. They use Comenity Bank. After I applied and was approved, i never received an email with the card information. I also noticed there was not one hard inquiry on any of my credit reports. Due to not receiving an email showing my account info i did not have the ability to use my new credit card until i receive it in the mail. This costed me my {$15.00} off first purchase first day with XXXX. On XXXX i called comenity bank. They stated i should have received the email when i got approved for my card. We confirmed that my email information was correct. I asked for it to be resent. They said they do not have the ability to do so. They said there was nothing they could do but for me to wait up to 10 days for the credit card to be sent in the mail. On XXXXXXXX I called back to cancel the card. At first they said that was not possible until i got the card in the mail. After jumping through some hoops i got them to cancel the card. I have no verification of that though. No email. They said they will send a letter. I had a terrible experience with comenity bank. They obviously do not report to the credit bureau in a timely manner, seeing i never saw a hard inquiry. Now i am worried what will happen on my credit report! Also. Not knowing my card number means this report will not be sent to comenity! They should not be able to so this to anybody.

Company Response:

State: TX

Zip: 75217

Submitted Via: Web

Date Sent: 2024-01-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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