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: 8140175

Date Received: 2024-01-10

Issue: Fees or interest

Subissue: Unexpected increase in interest rate

Consumer Complaint: Kay Jewelers charged me excessive interest without notifying me from the inception of the purchase it would an increase if not paid back in a certain time. I went back to the store I purchased a chain and it was almost laid off then I got this ridiculous interest. The guy never showed Ma receipt or read it to me he admitted he didn't to me.I put a complaint in and it took them XXXX months to respond I finally got an answer yesterday. I purchased an item for {$1300.00} and almost {$4000.00} was added nor explained to me I was told there was no interest and was instructed to sign a receipt. The interest was never explained the guy admitted but told me he couldn't reverse it I had to call corporate. Which I did and wasn't successful..!!

Company Response:

State: OH

Zip: 441XX

Submitted Via: Web

Date Sent: 2024-01-17

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8140151

Date Received: 2024-01-10

Issue: Problem when making payments

Subissue: Problem during payment process

Consumer Complaint: The credit card that I'm having a problem with is XXXX XXXX XXXX XXXX which is at Comenity Bank. I pay the bill, {$800.00} each month, on the XXXX from XXXX XXXX using their bill pay facility. The bill pay facility at Prosperity seems to work fine with all my other payments. The payment to Comenity very often takes several weeks to get applied. I have been hit with late fees as a result. When this occurs, I log into Comenity Bank and send them a secure message asking about the payment. They seem to be extremely ignorant about the entire process usually telling me that the mail is slow or something else. At least once, I have also contacted XXXX XXXX to ask them to assist but I don't think there is much they can do except give me the transaction id. I just logged into Comenity 's web site ( XXXX XXXX CST XX/XX/XXXX ). They have now applied my last payment while it was not there yesterday. Their time stamp is XX/XX/XXXX when actually XXXX made the payment on XX/XX/XXXX. Even if you believe the XX/XX/XXXX date, that is XXXX business days to make the transfer which seems excessive. Not showing the payment when I log in and look at the activity until today ( another XXXX business days ) seems wrong as well. In total, it took roughly XXXX business days to make the transfer. I can understand XXXX or XXXX but XXXX seems excessive to me.

Company Response:

State: TX

Zip: 78613

Submitted Via: Web

Date Sent: 2024-01-10

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8139717

Date Received: 2024-01-10

Issue: Struggling to pay your bill

Subissue: Credit card company won't work with you while you're going through financial hardship

Consumer Complaint: I have been unable to pay my bill for a month or so. I explained to them my situation and told them Id pay as soon as I was able. They wanted the payment in less than 5 days and when I explained that it wasnt feesable they wanted it before 15 days. I got frustrated and hung up, and they have been calling non-stop all hours of the day leaving me vaguely threatening voicemails telling me to have my attorney call them that day or they will escalate it further. No mention of a debt collection has occurred, and I havent been able to get ahold of anyone when I call them back. I have been receiving upwards of 7-15 calls a day.

Company Response:

State: PA

Zip: 151XX

Submitted Via: Web

Date Sent: 2024-01-10

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8139355

Date Received: 2024-01-10

Issue: Getting a credit card

Subissue: Card opened without my consent or knowledge

Consumer Complaint: I received a credit card from Sephora that I never applied for. I talked to Comenity Bank over the phone on XX/XX/XXXX, and learned that a credit card was opened without my knowledge or consent at XXXX XXXX, XXXX, NY on XX/XX/XXXX, and a {$500.00} purchase was made. It was an identity theft and they said that the payment would be disputed and the account would be closed. They would start an investigation that will take up to 90 business days and the result will be mailed to me. I called XXXX to make a report on XX/XX/XXXX and set Fraud Alert. They also started a dispute process and investigation that will take up to 30 days.

Company Response:

State: CA

Zip: 95219

Submitted Via: Web

Date Sent: 2024-01-10

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8139246

Date Received: 2024-01-10

Issue: Problem when making payments

Subissue: Problem during payment process

Consumer Complaint: I made a purchase and was approved for a store credit card at XXXX. Amount XXXX on XX/XX/XXXX. I was immediately billed and payment was due on XX/XX/XXXX. In my mind, this is a completely scandalous thing to have a bill due before 30 days. I then see that the interest rate will be 35.24 % which is the most I have ever seen, and is very predatory! I have plans to return some items, holidays get in the way, I return the items XX/XX/XXXX and then plan to pay my bill. That same day I activate the card. I returned {$200.00} of my {$340.00} purchase. And I should have paid the remainder of my bill in store, but didnt think it would be a problem to set up online and pay that way. I go home, and can not setup my account online. Nothing works and they say they dont have my info correct. I am finally able to call on XXXX and speak to someone in XXXX. He said they dont have my email or phone and that is why I cant setup my account. I have been receiving emails from this company all month. And when I called he read me my phone number as part of the verification. I complied and gave my email and phone. He sent links to my email and verified it, then he sent a link for a direct login to the account. I hang up, seeing that I can log in, I get to another page and they do not have my email or phone, so I can not login and can not pay my bill. I figure, maybe it is a slow system, I wait a little while, and can still not login. I then decide, I must make my payment, so I call to make a payment. The phone system tells me it will be late, because I am calling after XXXX XXXX XXXX XXXX. Which in my mind is designed to XXXX me over. I have never seen this early of a cutoff time, and I am on the XXXX XXXX. Predatory! There is another option to pay {$9.00} for expedited payment. I push that through and ask the next XXXX representative if my payment will be made today. He says yes. I say great charge me {$9.00} so that I can be relieved of this Mess. I offered my checking info and a payment of my remaining balance, XXXX. And when he confirmed it, he said that it was going to be made today XX/XX/XXXX which is XXXX for me, and Also late. I tell him that I was encouraged to make this payment because it would be made XXXX. He acts highly confused and acts like he has no answer or fix to my issue, he is just doing his job. I ask for management, he got scared and tried to confirm all info again. I tell him, this is not about him, it is about this scandalous company and how they are effectively XXXX me over. I feel like I am getting nowhere, so I tell him to process the payment, so that maybe I can talk to someone during their business hours XXXX. He said he processed it. I was so frustrated and upset, I just wanted to wait for my bill, to see the result. I figured they wont charge me interest because it will be paid and maybe not a late fee, because of XXXX XXXX from my return in store. No payment came out of my account, and today I call their automated system, because they still have not let me into my account online. I have been charged {$40.00} interest and my payment was never made. I try to call them and reach another person in XXXX, even during normal business hours. And she says she does not have any record of my payment. I have no words, except for bad ones, which is unproductive, so I hang up after saying how upset I am yet again. It is my understanding that this company set up every step of this process to confuse me and charge me interest. No one is taking responsibility for these obscene credit practices and I believe they should be investigated.

Company Response:

State: NV

Zip: 89139

Submitted Via: Web

Date Sent: 2024-01-10

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8139149

Date Received: 2024-01-10

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: It is illegal to report transaction history. Pursuant to the Privacy Act of 1974, codified 15 U.S. Code 522a, subsection b states : No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would beto a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable. Additionally, the Fair Credit Reporting Act, codified 15 U.S. Code 1681, section 602 ( a ) the legislature states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared unfairly and isnt in a matter that would reflect prejudice or biased treatment in public, which is supported by 15 U.S. Code 6801, stating : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Comenity Capital Bank is a financial institution by definition under that title. 15 U.S. Code 1681, section 604 ( a ), section 2 states that : " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Comenity Capital Bank, the financial institution, and the consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information in the fashion currently presented in the public, and they surely do not have my written consent. Effective immediately any and all consent to XXXX, XXXX, and XXXX, Comenity Capital Bank, whether it be verbal, non-verbal, written, implied or otherwise is now revoked. 15 U.S. Code 6802 ( b ) ( c ) states that : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Comenity Capital Bank never informed me of my right to exercise my nondisclosure option. Not only that, my right to make sure my private information isn't shared unfairly and in a matter that would reflect prejudice or biased treatment in public is further supported by 15 U.S. Code 1681C ( a ) ( 5 ) stating : " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is reflecting prejudice or biased treatment. 15 U.S. Code 1666 ( b ) ( a ) states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 15 U.S. Code 1666 ( d ) states : Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumer 's account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumer 's current location is not known by the creditor and can not be traced through the consumer 's last known address or telephone number. Comenity Capital Bank, as the creditor and card issuer, is instead illegally reporting to the consumer reporting agencies inaccurate transaction information. All information not provided and verified as accurate from me the consumer is reasonable cause to believe that the information is inaccurate pursuant to 15 U.S. Code 1681s2 ( A ) ( 1 ) A which states : " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' 15 U.S. Code 1681e states : " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX, and XXXX are not maintaining reasonable procedures because of the abovementioned laws.

Company Response:

State: FL

Zip: XXXXX

Submitted Via: Web

Date Sent: 2024-01-10

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8138726

Date Received: 2024-01-10

Issue: Problem when making payments

Subissue: Problem during payment process

Consumer Complaint: Hi, this was the most recent letter written to Comenity Bank. I continue to have problems and get no response. Since opening my card in XXXX I have had multiple issues with payments and charges to my account. - XX/XX/XXXX, I was out of the country and denied re-entry to the US due to having XXXX. This time frame was greater than 30 days. I checked all of my accounts prior to leaving to ensure autopay was active and all but my Comenity payment had processed. I made the payment upon returning but eventually a late payment hit my credit reports causing them to drop on average XXXX points! - Around this time, your business was switching financial institutions and there were no updates to my balance for 7 months! This falsely elevated my credit utilization which did not reflect my ability to pay back the debt to other lenders. - XX/XX/XXXX, an unauthorized amount of {$830.00} was debited from my account. This was the full amount of a purchase I recently made that came with a 0 % promo period. I had insufficient funds in that account, was charged an overdraft fee by my bank, and this payment was not returned to me for 10 days. - Since the payment was returned, Ive been hit with multiple interest charges to the balance and this should not be accruing interest. I was supposed to have 9 months of 0 % interest to repay for my purchases. One was removed and at my most recent request to have the second removed and the 0 % restored to my account appears to have been disregarded as it is still there. As of this writing, the interest payment has not been removed, I still have not gotten any response. Today when i logged in to check that the payment would be drafted via autopay, it shows no automatic payments are set up even though last month it was and ive made no internal or external changes with my account. Thank you for taking the time to read this, XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company Response:

State: FL

Zip: 33707

Submitted Via: Web

Date Sent: 2024-01-10

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8137267

Date Received: 2024-01-10

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: This is an Opt-Out Demand. The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer XXXX have given you written, unwritten, verbal and non-verbal pursuant to XXXX XXXX Code XXXX XXXX effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with XXXX XXXX XXXX XXXX and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.

Company Response:

State: GA

Zip: 30083

Submitted Via: Web

Date Sent: 2024-01-10

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8136750

Date Received: 2024-01-10

Issue: Getting a credit card

Subissue: Card opened without my consent or knowledge

Consumer Complaint: On XX/XX/XXXX a hard credit inquiry from Kay with creditor XXXX XXXX was noted on my XXXX report. On XX/XX/XXXX a hard credit inquiry from Jared with creditor XXXX XXXX was noted on my XXXX report. On XX/XX/XXXX immediately after seeing this notification, XXXX and XXXX XXXX were contacted. XXXX advised to contact the creditor and file a fraud report with FTC. XXXX XXXX advised me there was an account with Kay opened, but had no balance or charges. They advised there was an application from Jared for line of credit that had not yet received approval. BOTH of these were cancelled and XXXX XXXX stated they would be contacting these retailers informing them the account holder did not open these accounts. They also advised I would receive a letter in the mail for the closure of the account with Kay with no balance, and the cancelation of the application with Jared.

Company Response:

State: FL

Zip: 32223

Submitted Via: Web

Date Sent: 2024-01-17

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8135964

Date Received: 2024-01-09

Issue: Communication tactics

Subissue: Frequent or repeated calls

Consumer Complaint: Repetitive harassing calls starting at XXXX back to back over and over. When I am working and I decline the call they immediately call back from the same number or a different number not even a second later.

Company Response:

State: FL

Zip: 32073

Submitted Via: Web

Date Sent: 2024-01-09

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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