Anonymous
map-marker Bloomington, Indiana

Reactivate card

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
My account was closed because I didnt use it enough I was not aware it had to be used a minimum number of times. Was upset when received letter it was closed. I would like to have it reopened What do I need to do to reopen account. I am a Caesars rewards member
View full review
Aric Hall

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Lying

Bread Financial - Lying
For over five years I have tried to get various Comenity Bank credit cards. I always get a rejection letter with this whopper, "based on previous negative experience with Comenity Bank or Comenity Capital Bank". I have never had any experience (i.e. no account) with either bank, ever. Before Bread Financial took over this shoddy business, I tried letters and phone calls. One customer service lady was amazed that according to her computer I had no prior business with Comenity. She also informed me that nothing could be done. Comenity has no trouble doing hard pulls on my credit report, which alone is hurting my credit to have useless hard pulls. Can I require restitution for this financial injury? I recently applied for both of the AAA Advantage credit cards, first the Daily Advantage and then the Travel Advantage. I cannot get anything resolved via Comenity, so I thought I would contact Bread Financial since they are supposedly the parent company now. Help.
View full review
Loss:
$10
Pros:
  • Pros unknown yet
Cons:
  • Cons are they acquired comenity

Preferred solution: approval on the two credit card accounts; fix this erroneous rejection message that I keep getting.

Resolved
Jeremy A Rme

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Resolved: Closed account do to inactivity…

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
Updated by user Sep 11, 2023

Company resolved the issue.

Updated by user Sep 11, 2023

My Lsst correspondents from Bread confirming my issues. A email should have been sent as a warning.

That is their Policy but “Not” this Time. From: Comenity BankSent: Tuesday, August 15, 2023, 5:41 AM (ET)To: YouSubject: Re: We closed your account due to...

Updated by user Sep 11, 2023

No Resolution!!! Just we can not reopen the account once closed.

Remember, I owed them Zero Dollars, never used the Card in 2 years. Basically, I was told you done lose it. You lose it.

I thought I was being responsible. Weird of advice even with rainy day credit...

Original review Aug 12, 2023
I have sent 4 messages through the Website, Zero response. I surprising was about to Use my Bread American Express Card and declined. I went onto Breads credit card website, saw I had a message. Im like that is weird. I dont think I ever used those card. On 6/30/2023, I went on the site. I plugged in my income because I was going to start using the card. Just upsetting, I dont go in crazy debt with Bread and I get my card taken away. I have three other American Express Cards. Platinum, Cash Magnetic and Blue Cash Preferred Card, plus your Bread card would make four. I wish I got a heads up. I never received an email or anything, stating please use your Bread Card or Lose It. A Heads up would be Ethical, great Customer Service. No, your Card is inactive because of Use. Previously I stated I have three other American Express Cards. I used the Platinum 1 or 2 times at the most. I use the Cash Magnetic and Blue Cash Preferred Cards as my daily American Express Cards. I was saving the Bread American Express just incase a rainy day would fall. But on 6/30/2023, I was checking everything was fine and I was planning to use it. 20 days latter you close my account for use. I apologize I should have put some recurring bills on that card and paid them off monthly. Yes, this is my fault. But again, I dont think holding a Card for a rainy day is not awful and did not warranted closing of said account. I just dont get it. Like I said, this happened 1 other time and it was Jc Penny but they sent me a email. Email said, use your card before this date and we have zero issues. I used the card and I still have it. No other cards have done me like this. I have sent multiple messages, responses to the Message. On the message itself. It says someone will contact you within 24 hours. No contact, nothing, I try calling. It says, we cant reinstate your card in a robot voice. I know banks can reinstate cards if you connect them right away like I did, I talked to a couple friends. They told me about card reinstatement. I am asking politely if my card can be reinstated. This is the Ethics Department. Ethically, do you think a Credit Card Company should cancel your card because of inactivity in use or should the Credit Card Company believe in great Customer Service and warn a card holder first. Crazy, because if Bread sent me a message saying, Please use you card or we will cancel it. I would have said to myself, what an awesome company and I would use the Card even more. I appreciate great customer service like that. I was not mad a JcPenny sent me that email. I was happy they did not do what Bread did to me. Super upset. This could have been all resolved through a simple email, stating please use your card or be at risk of Bread cancelling it. Ethics Wise, that is a dilemma. I have heard people say, cards were taken away for non-use but never believed them, until now. If there is anything i can do or you can do to reinstate my Bread Financial American Express, please let me know. Ughh. So Happy with American Express, they never did me wrong. Been such a good customer for so long.
View full review
Cons:
  • Canceled 5000 credit card with a zero balance for inactivity

Preferred solution: My Bread Financial American Express reinstated.

User's recommendation: Go to American Express, not Banks that use American Express Branding. Real American Express would have never done this to the many card I have with them. This caught me so off guard. $5000 Limit. Canceled because of inactivity with Zero Warning. Where is Customer Service. Where are their Ethics.

Debra J Dxs

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Deplorable, Horrible, Unethical Bank

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
Updated by user Oct 11, 2023

I had to cancel two locked Bread credit cards since the company demanded that I send sensitive ID information to them. I refused.

My many verbal ID verifications were not enough. They chose to continue to investigate a non-crime with assumptions prompted by them, not...

Original review Oct 04, 2023
I assume that any positive reviews you read about Bread Financial are from shills. All negative posts should be believed, including mine. Ive had a Bread Cash Back credit card for about four months. Aside from their many website glitches and outages, the more important issue is their assumption that there was fraud on my fraudless account; therefore, my card was locked three times, and unlocked twice. After three phone calls and one snail mail letter, my rectifying efforts resulted in them constantly kicking the can down the road. I was told of ongoing investigations, prompted by them, not me. The last communication from them (via snail mail letter) asked me to call them within 30 days, or the account would be closed. I called immediately after receiving the letter. Again, the can was kicked pending further investigation. I told them to close the account, called them deplorable, and added that they earned their many negative online reviews. I have a second fraudless Bread credit card under investigation, which is about to cheat me out of $50 cash back. I was $17 short of earning it, and then it was locked. I expect this account to undergo the same scenario as the aforementioned. To me, principle is worth far more than money. Most likely, Ill also cancel the second account. I expect that Bread is using this tactic to claw back any earned cash rewards. If so, Ill be happy to reimburse them. I'll pay back this bank so as to maintain their distance as far away from me as possible. As an addendum, my complaint includes their savings account, which is untenable. Im so happy that I dont have to worry about the $3 remaining in my account. Bread is welcome to it.
View full review
Pros:
  • Great faux offers
Cons:
  • Bait and switch

Preferred solution: Get out of my life.

User's recommendation: Save yourself by reading the reviews.

Ionel O Rxr

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Huge late fees

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
Before all the *** they offer you, before any contract you sign with these scoundrels, read in detail everything you sign with these thieves, absolutely everything to the last word, they will steal from you and apply dozens of hidden fees. they will close your account without notifying you and the late fees are monstrously high, I think they are the highest I have ever paid, and that's because I was one day late with the payment, and of course, being greedy, they didn't want to give it back to me, even though I have been paid daily for whole months, the customer service staff are very friendly and will laugh in your face at any complaint. these guys are totally unprofessional, thieves and scammers. My advice, I have had a lot of unpleasant experiences with these thieves, use any other bank and stay away from these scammers
View full review
Loss:
$70

Preferred solution: Apology

User's recommendation: Stay away from these scammers

Ionel O Rxr

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Bristol, Virginia

Huge and unrecoverable late fee

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
Before all the *** they offer you, before any contract you sign with these scoundrels, read in detail everything you sign with these thieves, absolutely everything to the last word, they will steal from you and apply dozens of hidden fees. they will close your account without notifying you and the late fees are monstrously high, I think they are the highest I have ever paid, and that's because I was one day late with the payment, and of course, being greedy, they didn't want to give it back to me, even though I have been paid daily for whole months, the customer service staff are very unfriendly and will laugh in your face at any complaint. these guys are totally unprofessional, thieves and scammers. My advice, I have had a lot of unpleasant experiences with these thieves, use any other bank and stay away from these scammers.
View full review

User's recommendation: Stay away from this crooks

Nelly Z

This review is written by an individual who has purchased the reviewed product/service and/or confirms being a paying customer of this company. Check our FAQ

Verified Buyer
|

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Refunded Credit never received

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
Bread Financial - Refunded Credit never received
Bread Financial - Refunded Credit never received
Need help with my credit refunded by Copa Airline; this has been going on for more than a year and Capital One who took over BJs credit card said they dont have nothing to do with this dispute at all since its been too long. Let me know ASAP who I need to contact for getting my credit back; see attached & email thread, doesnt understand how your bank works for leaving customers with no help at all and transferring accounts to clean up the messed.
View full review
Loss:
$3091
Cons:
  • Inconsistent customer service
  • Poor business ethics

Preferred solution: Full refund

User's recommendation: Avoid this bank

Melissa J Bam

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Credit Report

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
I do not have an account with Academy Sports, Comenity Capital Bank, but you continue to put that I am behind on payments. I want this taken care of asap. This is affecting my credit and is just wrong. You just reported me late and have been since Dec 2022. I do not have a card with you so fix this.
View full review
Pros:
  • No pros all cons
Cons:
  • All cons

Preferred solution: For them to fix my credit info correctly instead of putting *** on my report that is not true.

User's recommendation: Stay away from Comenity CC. They open access without you knowing it.

Carla T Auv

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

I am disgruntled with Comment Capital Bank!!

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
I noticed on Credit Karma, two pmts made, a 3rd pmt late. They sent to a wrong address and I called issuing credit card company. The wrong address is being used by my tenant and unless I send a copy of my DL and S.S. (Front and Back) along with a current utility bill (which wont have my name on it, it will be in my renters name) they wont help me! No card will be remailed to another address. I have no utility bill because I work in the oilfield and Im supplied with my electric through a generator. Now what do I do!?
View full review
Cons:
  • Difficulty with customers

Preferred solution: I just want another card issued to me at a different address.

User's recommendation: I have no recommendation

Lisa K Eas

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Had an issue so I called in. Got NOWHERE!!!

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
There was NO customer service. They purposely put me in an automated system and then it hung up on me with no option to get out of it.
View full review
Cons:
  • Lot

Preferred solution: Why I was denied the Torrid card

Carla T Auv

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

To find out why I didn’t receive my credit card before a late pmt. showed up.

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
In the end it was all taken care of but I had an uncaring rep. my first call and then I reported it to pissedconsumer.com before I called a second time, spoke to a very pleasant rep. about my concerns and they took care of me and the problem. It was finally settled.
View full review
Bowden Rpb

Mishandling of Store Card

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
Use Synchrony bank cards ONLY: COMENITY despises their customers and thinks we are ALL IDIOTS: The lies, fake payment system "glitches" that will not allow customers to get through, charging fraudulent "late" fees, and denial of service issues. IF you complain, or try to get them to do the right thing, they notate it in your file and bombard the client with harassing phone calls from the South Pacific, Mexico, Caribbean, etc. (everywhere except America). Additionally, if the company was trying to be honest, they would allow you to speak to someone who has the authority to stop the fraudulent treatment...and need for consumer law suits against them.
View full review
Loss:
$40
Pros:
  • That i can see
Cons:
  • Fraudulent
  • Shady and dishonest

Preferred solution: Full refund

User's recommendation: Avoid

Anonymous
map-marker Dudley, Dudley

My flowers came damaged

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
Bread Financial - My flowers came damaged
Bread Financial - My flowers came damaged
Your company have not replied to any of my emails and haven't returned my money. Will never use you again.
View full review

User's recommendation: Don't use them

Chadrick Kqf

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Boston, Massachusetts

Customer service

Updated by user Oct 30, 2023

I was totally upset with customer service. Now I just want to go forward. The experience with each person was dauntingi

Original review Sep 30, 2023
I was trying to get customer service help from Comenity. The site says service reps are available 365 days a year, 7 hrs a day. Thats wrong. When trying to get help to pay a bill on line I was sent to a professional service group that charged a fee. When this service unknown to me asked for my card number to pay I disconnected. In short I didnt have my account number from the retailer as I had not as yet received my card. The time I spent (2 hours) and the stress I underwent was most upsetting. Ticked Customer for sure!!!
View full review

User's recommendation: Take a tranquilizer if you continue to have to pay thru this bank or

Dustin C Bbd

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Rosedale, Mississippi

Furious Customer

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
I am contacting Academy Sports headquarters in Katy Texas and Im also filing a complaint with the BBB and I ham getting my lawyer involved in this also. I paid off my academy sports credit card and have called support customer service TWO times to cancel my account and close it out and you all keep charging interested on a zero balance and then charge me late fees !! What a scam !! This has affected my credit and I am not letting this go!!!
View full review

User's recommendation: Do NOT ever get a Commenity card period

Ursula M Sxl

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Towaco, New Jersey

Unable to transfer funds

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
Over the past 10 days, we have REPEATEDLY tried to set up a transfer to my Bank ***** account from my matured CD at your Bread Savings bank. Each time we get a small deposit and then put those two small deposits online to your transfer info . Every time it says wrong amount. Every time we call to talk to a Bread Savings representative and EVERY TIME they can NOT resolve the issue. I WANT MY MONEY TRANSFERRED TO MY BANK ***** ACCOUNT ...TODAY!!!
View full review

User's recommendation: Avoid this bank like the plague!!!

3 comments
Ursula M Sxl

I escalated this matter to the Bread Financial President Ralph Andretta days ago, and NEVER get any kind of response. I feel they refuse to transfer my hard earned money to me, or worse, the bank is in financial trouble.

Ursula M Sxl

I escalated this matter to the Bread Financial President Ralph Andretta days ago, and NEVER get any kind of response. I feel they refuse to transfer my hard earned money to me, or worse, the bank is in financial trouble.

Ursula M Sxl

I escalated this matter to the Bread Financial President Ralph Andretta days ago, and NEVER get any kind of response. I feel they refuse to transfer my hard earned money to me, or worse, the bank is in financial trouble.

View more comments (2)

Why Trust Reviews on PissedConsumer?

  • Professional auto and live moderation
  • 100% user-generated content
  • Equal opportunity and protection
  • Zero tolerance for fake reviews
  • Verified content
  • PissedConsumer is on the Inc. 5000 list

For more information read Blog article