Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15958470
Complaint Overview
Complaint ID: 15958470
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: Problem with personal statement of dispute
State: Massachusetts
ZIP Code: 02148
Date Received: 2025-09-15T12:00:00-05:00
Date Sent to Company: 2025-09-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Between XX/XX/year> and XX/XX/year>, my XXXX account was reported late ( XXXX, XXXX, and 90 days ). The original late payment occurred when XXXX switched platforms, and my account, previously set to autopay, was no longer set up for automatic payments after the transition. I was unaware of this change until the missed payment was reported. During this same period, I also experienced financial hardship, which I immediately communicated to the lender. They acknowledged my situation and placed me in a hardship program. Despite that, the account continued to show late payments. Since then, I have paid the account in full, and it is now closed with a XXXX balance. I have consistently made on-time payments on my other accounts. I have also sent multiple goodwill requests and disputes explaining these circumstances, but the late payments remain. I respectfully ask that the late payment history be reconsidered for removal, as the initial delinquency was caused by XXXX system change, I was enrolled in a hardship program, and the account has been fully satisfied.
Frequently Asked Questions
What is Complaint #15958470 about?
Complaint #15958470 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 2025-09-15T12:00:00-05:00.
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.