Credit card -- Problem when making payments -- Complaint #10429430
Complaint Overview
Complaint ID: 10429430
Company: Bread Financial Holdings, INC.
Product: Credit card
Sub-Product: Store credit card
Issue: Problem when making payments
Sub-Issue: You never received your bill or did not know a payment was due
State: Massachusetts
ZIP Code: 02301
Date Received: 2024-10-11T12:00:00-05:00
Date Sent to Company: 2024-10-11T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Comenity Capital / Children Place, I hope this message finds you well. Upon reviewing my credit report, I was surprised to find late payment entries for XXXX and XX/XX/year>, reflecting a 30/60-day delinquency. This information is both unexpected and concerning, as I have always made every effort to pay my account in a timely manner. It is possible that a delivery issue or delay in processing may have caused this discrepancy. Given our previous positive relationship, I kindly request the immediate removal of these late payment entries from my credit report and a refund of any associated late fees. Furthermore, under the protections provided by the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1666b, 1681i, and 1692g, I believe this reporting is inaccurate. In light of these considerations, I ask for prompt deletion of these entries from all credit reporting agencies to avoid further action and effort on both sides. Thank you for your immediate attention to this matter, and I look forward to resolving this swiftly so that we can maintain our positive working relationship.
Frequently Asked Questions
What is Complaint #10429430 about?
Complaint #10429430 was filed against Bread Financial Holdings, INC. regarding Credit card specifically about Problem when making payments. It was received by the CFPB on 2024-10-11T12:00:00-05:00.
How did Bread Financial Holdings, INC. respond to this complaint?
The company responded with: "Closed with monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Bread Financial Holdings, INC.?
Yes, visit the Bread Financial Holdings, INC. company profile at readthecomplaint.com/company/bread-financial-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.