Consumer complaint received 2023-12-10
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
pleted Disputes XX/XX/XXXX ComenityXXXXXXXX XX/XX/XXXX ComenityXXXX Keep your info safe from identity theft Take the next step and protect your personal info from identity theft. We'll search the dark web and people finder sites for your info and help you remove it. 
protection shield Protect my info Resources Dispute Guide Dispute FAQs Education freeze education thumbnail How Credit Report Disputes Affect Your Credit Filing a dispute to fix a credit report inaccuracy has no direct impact on credit, but some changes made in response to disputes can affect credit scores. 

freeze education thumbnail How Long Do Credit Report Disputes Take? 
Credit bureaus are legally required to finalize credit-report disputes within 30 days, but many inaccuracies can be fixed more quickly than that. 

freeze education thumbnail When to Dispute Credit Report Information Disputing credit report inaccuracies is quick and simple online, but you can avoid credit approval delays by giving yourself time to complete the process. 

freeze education thumbnail What Cant You Dispute on Your Credit Report? 
Most information on your credit reports can be disputed, but certain items are simply a matter of record and can not be disputed. Learn more. 

freeze education thumbnail Can Credit Report Disputes Lower Credit Scores? 
Disputing inaccurate credit report data has no direct effect on credit scores, but if a dispute leads to a data change, credit scores may shift accordingly. 

Report Number XXXX Date Generated XX/XX/XXXX COMENITYXXXX Account XXXX Updated Information on this item has been updated. Please review your report for the details. 

What if I disagree with the outcome of this dispute? 
Contact the source of the information You have a right to contact the entity that originated the information and dispute with them directly. This is usually the company that provided you the loan or other credit, but could also be a collection agency or government office. The contact details for the source of each item of information are listed in your credit report. 
Add a Statement of Dispute A statement of dispute allows you to explain why you think the information is inaccurate or incomplete. The statement will appear on every copy of your credit report. Lenders and other businesses who view your credit report can read your statement and may ask you for more details or documentation as part of their application review process. To add a statement of dispute, enter the Dispute Center, choose the item in dispute, and select " Add a Statement '' from the menu of dispute reasons. 
Dispute Again With Additional Relevant Information If you have additional relevant information to substantiate your claim, you have a right to submit a new dispute by uploading the additional documentation in the Dispute Center. You can also submit a new dispute with additional relevant information to XXXX at XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX. 
File a Complaint You have a right to file a complaint about XXXX or the company reporting the item, with the Consumer Financial Protection Bureau or your State Attorney General 's office. You may submit a compliant to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or by mail at Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
Dispute With Other Bureaus There are XXXX credit bureaus that report your credit information : XXXX, XXXX, and XXXX. You should check all three credit reports to be sure that the information in each is complete and accurate. 

XXXX logo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Disputes on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Disputes on XXXX Still have questions? 
Our Experian Dispute Specialists are available to assist you. When calling, use Report # XXXX. 
Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contact us : ( XXXX ) XXXX Report Number XXXX Date Generated XX/XX/XXXX Before After COMENITYXXXX  Your information may have changed since XX/XX/XXXX Account XXXX Account name XXXX/COMENITY/ALPHAEON Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$11000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$270.00} Original balance {$11000.00} Highest balance {$11000.00} Terms Current / Terms met Contact info Phone number None provided Address XXXX XXXX XXXX XXXX XXXX XXXX Your statement I TALKED TO THE BANK BUT THEY DON T WAN NA TAKE THE CHARGE OFF AND IT S CAUSING ME TO GO OVER THE LIMIT. THE BANK SAID THEY WILL MAKE SURE IT NEVER HAPPENS TO ANYONE AGAIN IN THE FUTURE AND WHEN I TOLD THEM I WAS GON NA CALL XXXX THEY SAID DON T PLAY THE BLAME GAME. XXXX IS THE SUPERVISOR S NAME. THERE ARE OVER XXXX COMPLAINTS OVER THE PAST 3 YEARS WITH XXXX XXXX XXXXXXXX AND OVER XXXX COMPLAINTS OVER THE PAST 12 MONTHS.A WEBSITE WITH CONSUMERS REVIEWS ARE 97 PRECENT NEGATIVE OUT OF 34 REVIEWS.

Company response to consumer: Closed with explanation