Consumer complaint received 2022-06-02
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) a U.S. government agency Dear CFPB, I have been directed by the XXXX credit reporting agency to contact this agency and ask for resolutions. Before anything Would like to briefly explain what did happen and why I missed one payment. Last year in XX/XX/XXXX my sister was XXXX  from XX/XX/XXXX, and she passed away before the year-end in XX/XX/XXXX, and I admit, that was the reason I missed one payment and totally forgot about it, but I kept paying my regular payment on time as usual, till I got alert from XXXX reporting late, but never got notification from the bank that I had missing a payment, I did write to the bank and explain my sister was sick and passed away, and I totally forgot about one payment.. they said we cant do anything, but to dispute it with XXXX, which I did but I got no result and keep disputing ever since and getting no result to this day! 
since I have been disputing a negative derogatory credit report by the Comenity Bank regarding my account, and so far, have made several disputes with XXXX credit reporting agency, but only getting the runaround by the Comenity Bank to the point that they have put a note on their system, to ignore my phone calls and would not respond to any facts or document which I have sent to them to prove that I had called in and make my payments on time each and every time. 
To explain what is going on! I can give heads up on what this bank is all about? At the time of Covid -19 bank closing Government shutdown, all credit Card Agencies did have financial relief programs, when I called this bank and asked how I can get some relief assistance, I was told by the bank operator in order to qualify for a hardship program, he said to me, I must not pay at least 2 payments and wait after 60-days then apply for hardship, which I will provide you a copy of my payments history to your attention for reference, that all I am saying is documented. 
This bank knows what they are doing, they have a plan that if someone misses a payment, the bank will not let the cardholder know that payment is missing? And keep reporting the cardholder to the credit agency as Being late for consecutive months which is not true! Even though they keep receiving regular monthly payments every month on time, they apply the payment to the previous month, this way they can pretend that the client has been late for months, that way they can close the customers account, by this method they can make tax right off for the remain balanced to the Government. Thats the reason they like to impose their agenda hoping they get away with the falsification they produce, falsely indicating that the payment was not received on time. 
I would like to indicate that they have ruined my credit payment history which I had exceptionally on time record, and XXXX has closed my account because of a negative report and other creditors have reduced my credit limit as result! and if I dont get this dispute resolved soon enough my loan application can be in jeopardy! 
Please read the letters and documentation of my disputes, for better understanding for verification check XXXX XXXX XXXX calls with the date and the times of all the phone calls made to the bank 's phone number # XXXX but they still want to contradict the fact and destroy my credit for their own advantage. 
In the description letters, I have indicated that I was promised by the bank representative to pay the one missed payment and repay again the payment that they purposely forgot to process, with following next payment totaled {$180.00} then they would sponge the negative derogatory credit report. And write an apology letter so I can present it to the creditors. I do appreciate your mediate on this matter for resolution. 
With so much gratitude XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief