Consumer complaint received 2021-11-27
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I XXXX XXXX XXXX wish to contest the 30-day reporting on my credit file in reference to untrustworthy company called COMENITY/XXXX XXXX 
I have caught THIS COMPANY COMMITTING FRAUDLENT ACTS WHILE CHARGING ITS CUSTOMERS LIKE MYSELF AND THOUSANDS OF OTHERS FOR BENEFITS, THEY CLAIM WE CUSTOMERS CAN BE ELIGIBLE FOR IF LOSS OF EMPLOYMENT, XXXX, CONTRACTING COVID-19 XXXX I XXXX XXXX XXXX became furlough back in XX/XX/2021 
My Acct. number for this acct. ends in # XXXX that is what comenity will ask you. 


If you check the dates my filing of unemployment claims the claim, I filled was dated XX/XX/XXXX. 
My furlough took place in XXXX of XXXX. I was able to make payments on my own until my savings ran completely out, which I knew that I would have a struggle to pay for XXXX, XXXX, and on or until I was able to get my claim started from XXXX. XXXX would NOT even take my calls therefore there was no way I could stop this late process on XXXX XXXX website. XXXX XXXX purposely wanting me to go into default did I mention while still robbing me of an XXXX benefit fee thus charging me late fees etc. 
If these were decent people that operate this company this would have never happen because I would have been able to use the XXXX benefit I was and has been paying for since XXXX XXXX. I legally sent what I had from y employer/ the state of Ohio and XX/XX/XXXX informed me from the XX/XX/XXXX website while I was trying to continue filing my claim to get help paying my XXXX XXXX bill while unemployed during covid that the documents that you are seeing in view was not sufficient to get assistance. Therefore my acct. purposely became late due to poor customer service from all parties that I trusted to assist me. 
This company that was the benefit third access to my claim called XX/XX/XXXX did not and was going to honor nor pay out my claim for me, yet continue to rip me off in XX/XX/XXXX payments while as I still could not file any claim? 

Not to mention I had presented all legalities of documentations way before my account had even been considered late. 
These XXXX XXXX/ COMENITY /XXXX crooks never intended to pay any claim of mine. 
I have also turned this matter over to FTC/FBI and US Attorney General asking them to investigate. 
I feel that If I submitted all the necessary form ( s ) that Unemployment has given me the state info that I sent to these crooks should have been sufficient to at least get one payment out of this XX/XX/XXXX fraud XXXX but no I got nothing but a flag on my credit report? saying that Im 30-days late? WTH when I have been FAITHFULLY paying this fakeXX/XX/XXXX benefit for XXXX  near a whole year to secure me if I become unemployed and or whatever its coverages would cover me on this account? 
Seriously. I trusted that this acct. would indeed be covered. XXXX XXXX were taking my monies and I was faithfully technically never late to keep this acct. current in case something like I mentioned above like being unemployed whereas getting furlough was out of my control did indeed happen It is so sad that now that I did have to file a claim and was never ever able to get my claim paid for by these three parties involved in the benefits coverage scam they ran on me. I was going to be really late if never getting any assistance in getting nor keep my acct. current with this XXXX XXXX. 
With all this madness taking place on me for no reason this makes no sense to take peoples hard earn monies for almost a year and they can not file a claim for which they covered themselves for to get their bill waived and or paid to keep their credit and acct. in good status which is what we consumers had been paying for? That is why I was 30-days late with this horrible company! With me trusting XXXX XXXX after opening this jewelry acct and taking out this so-called benefit fraud taking place all three parties placed me and my credit in a bad untrustworthy jam and should not have. 
I TRUSTED THESE PEOPLE. IF I KNEW THEY WERE GOING TO DEFRAUD ME OR NOT HONOR THEIR BENEFITS SYSTEM THEY CHARGED CONSUMERS LIKE ME FOR I WOULD HAVE NEVER TOOK THIS FAKEXX/XX/XXXX XXXX OF INSURANCE BENEFIT OUT TO COVER ME INCASE I LOST WORK, GOT COVID-19, XX/XX/XXXX OR WHATEVER! XXXX  SHAME! 
I apply for their so -called benefit for financial assistance. I have paid on this fake insurance since XX/XX/XXXX, all the way up to XX/XX/XXXX. I need to get assistance not to mention I applied for this help way before my acct. payment was even due. All three partys XXXXXX/XX/XXXX/comenity bank and this fraudulent company that a third party called XXXX somewhere in XXXX Ga XXXX Completely ignored me. 
Me trusting this company called XXXX andXX/XX/XXXXplayed a huge issue in being able to NOT get the assistance thus caused my bill to be late when I applied like 4-5 weeks prior to my XXXX payment becoming due to pay to XXXX XXXX. I took care of my business in order to stop this acct. from becoming late in payments. Why would I not act? My mission is to keep credit score and rating in good standing therefore why would I sit back and do absolutely nothing! You have got to be kidding me. I acted asap these creditors did nothing! 
WAY BEFORE I EVEN THOUGHT ABOUT SUBMITTING ANY CLAIM TO THESE ASSURRED PEOPLE. I PREVIOUSLY NOTIFIED XXXX XXXX ON THEIR WEBSITE THAT ASSITANCE IN GETTING MY BILL PAID THRU XXXX WAS NEEDED XXXX STILL DID NOTHING I Did everything thing I possibly could to prevent this acct. from becoming late. I FILED MY CLAIM IN A TIMELY MANNER AND STILL DID NOT GETTING ANY ASSISTANCE WHEN I WAS UNABLE TO PAY? 
Mind you I am the customer that is being ignored and not getting the assistance WHILE I have been paying XXXX near a WHOLE year on that XX/XX/XXXX benefit that was unable to use because these people did not honor their benefit, they charged me for almost 1 year! Huh. Evidence attached.

Company response to consumer: Closed with explanation