Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8716105
Complaint Overview
Complaint ID: 8716105
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: New York
ZIP Code: 11213
Date Received: 2024-04-07T12:00:00-05:00
Date Sent to Company: 2024-04-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have been a XXXX XXXX XXXX customer since XXXX and loan customer since XX/XX/XXXX. XXXX XXXX XXXX is a first company that extended a loan to me and I have enjoyed my experience and learning process of managing a loan responsibly. I have written a letter to XXXX XXXX XXXX to humbly request that they are willing to make a goodwill adjustment to my reporting to the XXXX credit agencies. I have XXXX late payments on my XXXX XXXX XXXXXXXX account from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX as well as XX/XX/XXXX those times I was going through a hardship with my job. I also I was impacted by bounce check from a previous employer, which caused my municipal credit to be flagged for fraud and left me with an even bigger balance to pay. It was hard to make these payments on time since XXXX XXXX XXXX made it aware to my attention that I can only come into a branch to make payments. Present day XXXX XXXX XXXX has work with me to have my payments taken out of my XXXXXXXX XXXX account monthly. Due to my work my time does not work around the branches time. As for community bank, I have XXXX missed payments spanning from XX/XX/XXXX to XX/XX/XXXX. As well as XX/XX/XXXX to XX/XX/XXXX. The dates from XX/XX/XXXX to XX/XX/XXXX follow the lines as the same incident my XXXX XXXX XXXX dispute. I was going through a hardship with my job. For XX/XX/XXXX to XX/XX/XXXX, through another hardship with my job and now being a fXXXX XXXX my hours reduced tremendously. I did contact Comenity capital bank and then my best to communicate with them through each hardship. Just as I did with XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #8716105 about?
Complaint #8716105 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 2024-04-07T12:00:00-05:00.
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.