Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

Hello, It started in XXXX of 2022 when I was on my XXXX XXXX  where I noticed I had 4 late payments on a Torrid  account that I thought had been paid off already ( I attached the late payments that are indicated on my account to this complaint ). When I checked my torrid onlline account, it said my balance was XXXX and that it had already been paid off. Now I have 7 missed payments on my credit report. Mind you I have had no way to pay because my account stated that I had paid of my credit card already. I attached the summary to this complaint as well. 

I also attached this thread to this email. Here is the threadd : On XX/XX/2022 at XXXX XXXX  I messaged the Torrid team via the website the following : From : You Sent : Friday, XX/XX/2022, XXXX XXXX ( ET ) To : Comenity Bank Subject : Payments Message ID : XXXX Hello, So on my credit report, it shows that I owe XXXX dollars on my Torrid credit card, but as you can see on my account here it says I owe XXXX dollars. On the report it says that I have 4 late payment!! I've had no where to pay these payments!! And I can't do it via here because it's showing I owe XXXX!! 

They responded : From : Comenity Bank Sent : Wednesday, XX/XX/2022, XXXX XXXX  ( ET ) To : You Subject : Re : Payments Message ID : XXXX I am with Comenity Bank, which handles your credit card account. I'm here to help with your account needs. 

We apologize for any inconvenience this may have caused. 

It's great you want to use your card again I understand your concern. 

We recently received notice from at least one of the credit bureaus that your credit report has changed. For this reason, your account was closed. 

I'm sure you have more questions especially about the information in your credit bureau report. For this, I would suggest you contact one of the credit bureaus directly. 

XXXX : - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX We do encourage you to consider reapplying for a new account in the future and apologize for any inconvenience this may have caused. 

Upon checking in to your account I can see that there is no late payment history on your Torrid account from last 24 months. 

It's clear you care about your credit history, and I appreciate that. We consistently send updates to credit bureaus on the status of your account. We do not report your account as delinquent to the credit bureaus when one payment has been missed. 

Thank you for your loyalty, and have a nice day. 

If you have any questions, please click the reply button. 


Sincerely, XXXX XXXX XXXX XXXX Team Which then I responded with proof that my credit had been affected and I had multiple missed payments and attached the photos of the late payments from my report : rom : You Sent : Wednesday, XX/XX/2022, XXXX XXXX  ( ET ) To : Comenity Bank XXXX : Re : Payments Message ID : XXXX Attachments : XXXX XXXX XXXX I have it attached here that yes indeed I do have an account with torrid that is opened and my report states that I have missed payments for past several months please take this off my credit report and advise. This is negatively affecting my score Which they then responded : From : Comenity Bank Sent : Monday, XX/XX/2022, XXXX XXXX  ( ET ) To : You Subject : Re : Payments Message ID : XXXX I am with Comenity Bank, which handles your credit card account. I'm here to help with your account needs. 

Your current balance is {$0.00}. 

We appreciate your business- and we appreciate hearing from you. If you have any other account concerns, we're always happy to help. 

Thank you for taking the time to reach out, and have a great day. 

If you have any questions, please click the reply button. 


Sincerely, XXXX XXXX XXXX XXXX XXXX They said I owe XXXX dollars to them, yet on my credit report it says I do, and even if I wanted to pay the bill that according to my credit report exists, on the Torrid account it says that I owe XXXX dollars. Please help me i doj n't know what else to do and my score has gone down XXXX points since this has transpired.