Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6617352
Complaint Overview
Complaint ID: 6617352
Company: Bread Financial Holdings, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Pennsylvania
ZIP Code: 190XX
Date Received: 2023-02-25T12:00:00-05:00
Date Sent to Company: 2023-02-25T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is regarding the Ulta Ultimate Redwards Credit Card, handled by Comenity XXXX XXXX. I paid my full balance off in XXXX on XX/XX/XXXX & the balance left on the account was {$150.00}. I owed {$0.00} after this payment. I noticed i received something in the mail in XXXX & it said i owed {$14.00}, which i could not understand why, yet i did pay this full payment on XX/XX/XXXX. After this payment of {$14.00} was made, it showed a {$0.00} statement balanced owed. I have screen shots of both of these payments reflecting i Paid in full. When i got more letters in the mail about a delinquent payment, I contacted Comenity. After speaking with a rep today, she could not tell me with full confidence why I even had to pay the {$14.00} balance, when I had previously paid my full balance of {$150.00} in XXXX, not using my card SINCE XXXX. She confirmed this is a {$0.00} annual fee credit card type & mentioned it seemed these payments were pulling from the original {$14.00} I paid in XXXX being " late, '' even though I am fully aware the late payments that are paid in full do not reflect on the end of the month statement. I reported this through XXXX XXXX but if the XXXX points that was unjustly removed from my credit score are not correctly added back to the account in a timely manner, I will have to get lawyers involved. Reporting this to this bureau to follow suite & I understand this is apart of the process I must follow, in the case that I must file a lawsuit. I will allow this agency to correct this mistake but if by XX/XX/XXXX this has not been corrected I will take full action against this corrupt crediting agency for falsely marking my credited payment as delinquent.
Frequently Asked Questions
What is Complaint #6617352 about?
Complaint #6617352 was filed against Bread Financial Holdings, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2023-02-25T12:00:00-05:00.
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 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.