Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9790219
Complaint Overview
Complaint ID: 9790219
Company: Bread Financial Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: New York
ZIP Code: 11779
Date Received: 2024-08-12T12:00:00-05:00
Date Sent to Company: 2024-08-12T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
When I XXXX from XXXX I got XXXX credit cards. The one in question is my Forever 21 credit card which was paid everytime it was used. I went away to college and never received the bill in the mail. They did not send me an ebill or even an email telling me payment was due. My name on the card is also spelled incorrectly. When I got home from school I received a call stating I am 90 days late on payment. I explained my situation and they removed all of the late fees. I paid off the remaining balance that same day. The bank told me this would be taken off of my credit report since I paid the balance and they removed the late fees. That was in XXXX the late payments are still on my credit report. I have sent XXXX letters to comenity bank and XXXX letter to all of the major credit bureaus. Comenity bank sent me a letter telling them to contact them at a specific number. Which I did. They told me that since the late fee was from XXXX they could not help me. I needed to send a letter to the dispute department. Which I did. I have still not received a response from any department. I just would like some help to get this off of my credit report. I have never had a late payment on any of my cards.
Frequently Asked Questions
What is Complaint #9790219 about?
Complaint #9790219 was filed against Bread Financial Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-08-12T12:00:00-05:00.
How did Bread Financial Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-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 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.