Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I am filing a complaint for predatory lending/credit card practices. I purchased an item from XXXX XXXX XXXX XXXX using their XXXX Credit Card. I thought I had paid the credit card in XXXX of XXXX but I was wrong. I was getting emails from from Comenity Capital Bank but they were somehow going to my junk mail due all of the spam I keep getting in the account. When I logged onto my XXXX Credit card account from Comenity Capitol in the middle of XXXX, my balance was XXXX. I called Comenity asked it they could lower some of the fees and they graciously did. I now had to pay XXXX and paid it right away. I asked if there were other ways to get account balances sent to me because I am not getting these in my yard email. They will send statements to individuals, for XXXX dollars each statement, even if I have no balance. This is a bold step to stop a customers account balance sent out to the customer and massively overcharging for it. I also asked if they are able to call with a recorded message or send text messages to my phone and let me know of balances and I was told that they do not do that. So I spent XXXX for a {$20.00} item because I missed the emails because they went to my junk mail. I also had my credit score drop almost XXXX points over a payment going default that I did not know about. I am most upset about this over the predatory practices of charging XXXX dollars each statement is sent out and how they refuse to use a system where you can be called or texted to let you know the status of an account. If I would have been able to get a statement sent to me without being charged XXXX dollars each time regardless of if the account is used and if I would have been able to get text messages sent to me, I would not have had to pay {$83.00} for a XXXX camera accessory and ruin my credit rating XXXX point due to predatory credit card practices. In XXXX they also raised the interest rate to % 35.99. The only reason I have this card is because it saves me 10 % on sales tax on larger purchases. It has to be illegal to only use email as a way to communicate. If my credit card were ever stolen and used, I will not know about it for months and months until my balance gets sent to a third party debt company. I have the means to pay a {$20.00} bill but the Comenity would rather, I have late fees and ruin my credit over {$20.00} because they will only communicate in email where it goes in my junk mail, or charge {$3.00} a statement no matter what. The card is purposely designed to have very limited communication so that late fees and interest are maximized. Can the CFPB get a congressman, Congresswoman or senator to get this changed so that the whole US does not deal with this predatory credit card practices? To explain my attachments, I bought an item on XXXX for {$19.00}. I thought I had paid the bill in XXXX but I did not. All of my statements from Community went direct to junk mail and I did not see one email. The only way I knew I still had to pay the bill was because I logged in on XXXX after the bill was very overdue, called right away and then paid {$83.00} because I had no idea I had an account balance was overdue.

Company response to consumer: Closed with monetary relief