Bread Pay
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Terrible, Horrible, Nightmare to deal with
terrible horrible I need to learn always check reviews before getting into something , also check out the reviews on trust pilot for breadfinancial.com. I will also say I filed a complaint on BBB it's so bad. I have been hung up on 3 times by this bank just trying to make a dang payment, but they don't want me to make a payment because then they can keep charging me interest and late fees. Okay here's the story..... Just opened a AAA Travel Advantage Visa Signature Credit card 02/2025 which is through Comenity Bank on the Bread Financial App (First red flag) 1st Payment was due 03/16/2025 Tried adding my Ally Checking and Savings account multiples times the week prior with an error message saying “it’s us not you” as i will try to attach here. Once I realized It wasn’t going to be fixed I had to transfer he funds to another account which takes 3-5 business days in order to make my payment on an account that seemed to let me add it. Because of this, I accrued interest, late payment fee, and a check bounce fee since the payment didn’t transfer fast enough and I was getting anxious about the payment not being accepted through Comenity. I reached out to customer support to help me find some resolve to the situation and they told me there was nothing they could do, I politely asked to speak to a manager because I have never had an issue with a credit card company where it says it’s their fault but there is nothing they could do, so they “transferred” me but I just got hung up on. They also say I can’t use my card anymore until it is paid off to 0$ and untouched for 3 months. I tried to make a payment again on 03/30/2025 on the account it appeared I could use through Comenitys system but even with 3x the amount needed in my account it still says it bounced my payment and I have a message through their portal to check with my bank when it has had enough funds for 2 weeks since I made the initial transfer for the first payment. EDIT: Since I have made this statement I am still getting extra late fees (IN THE SAME MONTH) the app won't accept any form of payment without erroneous fees and penalties. Once I can get this cleared I will never use this bank, or app again!