Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

On XX/XX/year>, I sent a letter to XXXX XXXX, XXXX of Comenity Capital Bank ( " Comenity '' ) and the Customer Care Team ( with supporting evidence ) disputing the interest assessed to my account during a promotional period with XXXX XXXX XXXX 

On XX/XX/year> I sent a follow-up letter to XXXX XXXX XXXX XXXX following attachments : Letter from Comenity ( no date stamp ) confirming my verbal authorization via phone for payment on my account in the amount of XXXX. 
XXXX dated XX/XX/year>, confirming receipt of my claim ( See attached ). 
XXXX dated XX/XX/year>, regarding the disputed accrued finance charge ( XXXX ) assessed to my account. 
XXXX dated XX/XX/year>, again confirming receipt of my claim. 
XXXX dated XX/XX/year>, again for the third time confirming receipt of my claim. 
On XX/XX/year>, Comenity posted a message to my account that the finance charges in the amount of {$1300.00}, thereby issuing a refund. 
On XX/XX/year>, I received an email from Comenity with respect to the late fees and finance charges assessed to my account. I was told in this email that during the investigation and until Comenity could find the best resolution, Comenity would not collect the amount in question or report as delinquent to the credit reporting agencies. 
On XX/XX/year>, I received a message from Comenity that read as follows : " From : Comenity Bank Sent : Wednesday, XX/XX/year>, XXXX XXXX ( ET ) To : You Subject : Re : Late Fees or Finance Charges Message ID : XXXX I am with Comenity Capital Bank, which handles your credit card account. Your inquiry has been escalated to me for further review. Please accept our apologies for any inconvenience you've experienced. We credited your account. We're happy to let you know that we have credited a {$41.00} late fee to your account along with the finance charge for {$5.00}. You can expect to see the credit applied to your account in XXXX business days. To avoid further late fees, please make sure we receive at least the full minimum amount due by XXXX XXXX Est on your scheduled due date. In consideration of your request for a goodwill adjustment, we reviewed our records. We find that we are unable to make any adjustments to your payment history as requested. A letter addressing your concern has been sent to you via mail to your mailing address. We've attached the supporting information about your concern for your records. Please allow XXXX business days for arrival. In order to dispute how your account is being reported on your credit bureau report, you can write to the address below or dispute it directly with the national credit reporting agencies. Please include the following information : - Name, address, and phone number - Account number - Account information being disputed and an explanation as to why you believe it is inaccurate - A copy of the page of the credit report showing the account information being disputed If you have any questions, please click the reply button. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX ''