Credit reporting, credit repair services, or other personal consumer reports -- Credit monitoring or identity theft protection services -- Complaint #6362795
Complaint Overview
Complaint ID: 6362795
Company: Bread Financial Holdings, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-Issue: Billing dispute for services
State: North Carolina
ZIP Code: 28227
Date Received: 2022-12-26T12:00:00-05:00
Date Sent to Company: 2023-01-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have an Ann Taylor XXXX account. Unbeknownst me, I was not aware I was delinquent on my account as I never received notification from Comenity Bank and or Ann Taylor XXXX by mail. Upon hearing a voicemail message from XXXX Bank in XXXX I returned the call to inquire on the amount and speak with a CSR. I paid the amount on the phone and advised the CSR I never received notification in the mail of the latency to my account. The CSR stated they do not send notifications by mail as I was on paperless invoicing. I advised the CSR I never signed up for paperless invoicing. Fourteen days later, I received an update from the credit bureaus showing the 30-day delinquency and my limit had been drastically reduced. Of my having this account since XXXX I have never been late. I spoke with a supervisor on XX/XX/XXXX to inform him I never signed up for paperless billing, I was never properly notified of said delinquency as sending emails does not support delivery, to reinstate my credit limit, and to remove the 30-day reporting from the credit bureaus. The supervisor stated they could not remove the reporting as I would need to contest it on my end with all three bureaus. Supervisor further stated he could request a credit increase but that would be pending approval. I told the supervisor that was unacceptable as the error was on their end and not mine. I informed the supervisor I would be filing a complaint with the CFPB to get my concern resolved.
Frequently Asked Questions
What is Complaint #6362795 about?
Complaint #6362795 was filed against Bread Financial Holdings, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Credit monitoring or identity theft protection services. It was received by the CFPB on 2022-12-26T12:00:00-05:00.
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, credit repair services, 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.