Consumer complaint received 2021-02-27
Company: Bread Financial Holdings, Inc.
State: NY
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:
This is first regarding Victoria Secret comenity bank credit card. I went thru hardship and loss of jon since XX/XX/XXXX and even those months I have paid what I could on my card. Then in XXXX I got my job back and called them to pay and they put me into a {$50.00} payment and I even paid {$250.00} plus {$50.00} extra in XXXX, {$150.00} extra plus {$65.00} plus {$50.00} this month yet they still reported me late for XXXX and XXXX. I have called them, mailed proof to them, mailed proof to the credit bureaus but comenity bank refuses to help me. I spoke to different managers even yesterday XX/XX/XXXX yet everyone just states what they are told to say and dont understand my situation. I really need the incorrect reporting on my credit report to be removed. This is not right, its soooo easy to put me on but why are they refusing to take it off. I also called and mailed letter to XXXX XXXX XXXX XXXX. I do not know what else to do, their reporting is wrong and it is messing up my credit score a lot! 

Also, second, XXXX XXXX XXXX  they are reporting me late wrong for XXXX XXXX, XXXX even thou I paid. I have also called them numerous times and they know about their error but they keep saying they will correct and they have not. See payment proof attached for them also. Please help me remove the late payments. 

Last one is XXXX XXXX XXXX I have had soo much hardship since XX/XX/XXXX due to loss of job and in XXXX I called them and they put me on a {$10.00} fee per month and told me that account will stay open, yet they closed the account and that has lowered, messed up my score by 36 points. I have been paying the {$10.00} every month and on top I paid extra {$100.00} on XX/XX/XXXX. What they have done to me is ridiculous and not fair. I specifically asked the person that put me on the {$10.00} program if this will affect my score negative and they told me no. This si unfair what they did to me, and on top they closed my account and mind you total we are talking about if {$210.00}. I could have paid the amount, yet they told me to take the {$10.00} program as this way my account will stay open. Please, I contacted them, I called them, mailed proof to them, credit bureaus and nothing has changed, same issue and they messed up my score soo much even today it went down XXXX points because of them! Please I need help, I dont know what else to do. 

I have had hardship because of this loss of job but I still paid amounts that I could every month for each one of these 3 cards. The moment I got my job back I called each one and asked them what to do to correct the accounts. I did what I was told. On top i paid even more, but they are being unfair. They refuse to remove late items, and actually the ones that I want removed are for the months I paid. I have sent each one of them numerous letters and placed numerous complaints with 3 credit bureaus! I dont know what else to do, I am desperate. These 3 cards messed up my score sooo much, and we are in the process of buying a home, I used to be in the XXXX now I am in XXXX. I work hard on everything on my score but because of them every month my score goes down. This is incorrect and I ask you please for your help! I just need them to be fair. I went thru hardship due to loss of job due to covid 19 and had a baby in XXXX. I am trying my best. I am on time. So have them give me some help please! I begged them for help. Nothing has changed. 

Please investigate this and please have them remove late reportings that are inaccurate. I have proof of all payments! I am attaching for your review and please help me. They should not do this to their customers. I have been a cardholder of comenity bank since XXXX, NEVER had an issues, never was late for them to do this to me and treat me this way! Please help me.

Company response to consumer: Closed with explanation