Consumer complaint received 2023-01-03
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please note : I requested to receive a record of my XXXX statements to which Comenity declined. They said they can provide only statements from XXXX, XXXX, XX/XX/XXXX. This does not cover the window of fraud. 
Secondary note : I have been unable to access my account since XXXX, which is when the fraud began to occur. A class action has already been initiated for Comenity blocking access to your online account in XXXX, causing people the inability to make payments on time or see their accurate account information. This timeline lines up with my reported concern with the company. 


Disputing an XXXX XXXX XXXX credit card, owned by Comenity bank. 

Card opened XX/XX/XXXX XX/XX/XXXX - Full balance of {$220.00} was paid to the card. {$220.00} was the amount my statement/login showed as being the full balance due Following paying full balance, I did not use the card any more in the store, and therefore did not check my statements. 

Sometime in XXXX they added an fraudulent {$3.00} fee to my card *after it was fully paid offXXXX XXXX they then charged interest on the {$3.00} charge, now my balance is {$8.00} XXXX, now my balance is {$17.00} ( keep in mind, I have not used this card at all ) XXXX Now my balance is {$35.00} In XXXX I get a notification in my credit reporting that I have an account XXXX days past due. This was a shock to me as I paid off this account in full. My credit score drops XXXX points. 

In XXXX I told the comenity rep to CLOSE my account, he confirmed he closed it. To this date, the account is still open. 

I disputed all of this plus the derogatory late payments but it does not seem that I won the dispute. 

I have not used the card since the start of XXXX. On XX/XX/XXXX, I get another notification to my credit report that I've got an update from this account, and my score is down ANOTHER XXXX points. They are re-reporting the " late '' payments again, and now my account is being hit twice. 

Comenity claims my account shows no money owed, and no late payments. They allege my account shows the XXXX late markings were also removed from my account. 

This company is 1 ) fraudulently adding fees to customer 's accounts who have fully paid off their balance and then using these fake fees to collect interest and late fees on these fraudulent charges 2 ) Reporting late payments to credit bureaus and ruining people 's credits. 

When I call to inquire, the company 1 ) wont provide me my statements, 2 ) wont fix the reporting at the credit bureaus, 3 ) typically hangs up on me mid-call XXXX Has a current alert open for Comenity for the same issue I have experienced. Business has failed to respond : https : XXXX There are almost XXXX reviews, many reporting a similar scam : https : XXXX You will find dozens of other people reporting the same fake charges after they paid off their balance on the FB page : https : XXXX? XXXX & XXXX & XXXX & notif_t=comment_mention & ref=notif

Company response to consumer: Closed with monetary relief