Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10914671
Complaint Overview
Complaint ID: 10914671
Company: Bread Financial Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Texas
ZIP Code: 77072
Date Received: 2024-11-23T12:00:00-05:00
Date Sent to Company: 2024-11-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Creditors Representative I am writing regarding my account with your institution, I recently noticed that the account has been reported as charged off for {$460.00} of XX/XX/ on my credit report. I would like clarification regarding this matter. Please provide the following details : 1. Confirmation of the charge-off status of the account. 2. The amount that has been charged off. 3. Whether the debt has been transferred or sold to a collection agency. If so, provide the name and contact details of the agency. 4. Options available to resolve the debt, including the possibility of payment arrangements or settlements. I am eager to resolve this matter responsibly and request that you provide any supporting documents and information regarding the outstanding balance. Thank you for your attention to this matter. Please respond in writing to the address listed above or contact me via email at XXXX XXXX
Frequently Asked Questions
What is Complaint #10914671 about?
Complaint #10914671 was filed against Bread Financial Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-11-23T12:00:00-05:00.
How did Bread Financial Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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 reporting or other personal consumer reports) 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.