Consumer complaint received 2017-09-06
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 status incorrect

Complaint:
Complaint/Consumer Information XXXX XXXX XXXX VIA XXXX XXXX XXXX, CA XXXX XXXXXXXXXXXX XXXX XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Billing or Collection Issues Problem description : This is a brief overview history of my account. I have had this account open with this bank for almost 9 years and with the exception of this incident I have never made any late payments. During the period of XX/XX/XXXXto XX/XX/XXXXI was receiving XXXX treatment specifically XXXX in another state. On XX/XX/XXXX I called y customer service to inform them that my credit card payment may be late due to my hospitalization. I also informed customer service that I had made a full payment for the total amount of {$50.00} and it usually took my bank 2 business days for the amount to process. After being transferred around from one representative to another I was told that I had to get authorization from a supervisor. I was put on hold for approximately 30 mins and hung up upon. I called again and the same sequence of events transpired. I was primarily directed to representatives who could barely speak XXXX which made for very difficult customer service. After about 2 hours of back and forth I was transferred to a supervisor who told me that they would notate my account and they would make a onetime exception regarding the late fee. Unfortunately unbeknownst to me ( as I was outside the state due to hospitalization ) and despite my efforts I was charged a late payment fee of {$25.00} fon XX/XX/XXXXXXXX as my full payment of {$50.00} was not received until XX/XX/XXXX. Keep in mind that at this juncture I am still unaware that I owed {$25.00} for a late fee which I thought was resolved by customer service on XX/XX/XXXXXXXX. On XXXXXX/XX/XXXX I received another late charge of {$25.00} for the late charge of {$25.00} incurred on my account on XX/XX/XXXX in addition to an unknown minimum charge for {$1.00}. On XXXX/XXXX/XXXX I incurred another charge of {$30.00} for the late charge on XX/XX/XXXX and the late charge on XX/XX/XXXX. So essentially I was charged by this bank a total amount of {$82.00} in late fees /minimum and finance charges for a payment a onetime 3 day LATE payment {$50.00} XXXX which was due on XX/XX/XXXX and received on XX/XX/XXXX -3 days late ). {$25.00} on XX/XX/XXXX {$25.00} onXXXX {$1.00} Minimum charge {$30.00} late charge on XXXXXX/XX/XXXX {$1.00} Finance Charge on XXXXXX/XX/XXXXXXXX. {$82.00} in Total fees charges Upon my arrival stateside and when I became aware of the situation I called customer service who reduced the {$82.00} total by {$30.00}, wherein the remaining balance of {$52.00} was paid on XXXXXX/XX/XXXXXXXX. To add insult to injury after pulling up my credit report I noticed that your company reported my payment onXX/XX/XXXXas late to the three reporting credit bureaus. I have never in my entire life had a late payment on my credit report with the exception of the one reported by this bank. inferred by your bank which stated that I was late on XX/XX/XXXX which is now on my credit report. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. I have contacted the company and received an answer stating that they will not remove the reports from the credit bureaus and in addition they were reporting " other incidents ''. I am not sure what the " other incidents were because the letter was unspecific. I have contacted all three credit reporting companies and filed a dispute against Comenity bank however Comenity bank is refusing to adjust my credit report.

Company response to consumer: Closed with non-monetary relief