Consumer complaint received 2024-04-29
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (OK)

I was notified of an autopay transaction was returned/failed. At the time, I had 2 bank accounts along with 2 comenity accounts open credit lines. My former spouse accessed additional accounts without permission and closed 1 of my 2 bank accounts without any notice. Comenity called, immediately gave information to my 2nd bank account to process 2 payments one for XXXX & 2nd payment of XXXX immediately for current due monthly on a new hardship program until i could untangle all affected from ex spouse actions. Along with authorization in 5 days to charge bank account XXXX more that would have covered the returned payment since monthly had only been {$81.00} a month. My credit score has declined close to 180+ points, shows I'm past due for the last 90 days. I've disputed to bureaus 4 times with bank account showing every month of payments. This particular account has been active since XXXX, never have had a negative report to my history as I take high pride in keeping my 20 year flawless credit history. I've contacted by message accouny portal in XXXX plus via phone to hardship last week and asked to be removed while advised by them not a good idea. Transferred to the reporting side of company. After investigating by that associate it appears they applied my XXXX payment to wrong comenity account leaving me past due All this time. Advised to send message thru account online secure method to have it investigated while she was going to put comment on account showing what her findings were to make it easier for next person to see after it took 2 hrs to get to this point on phone. Due to this companies reporting I have lost NUMEROUS open credit lines. Credit score has decreased significantly. I've paid off most accounts due in good standing in attempt to not have report affected. All accounts I've ever had, were in good standing besides XXXX account with comenity and immediately gave authorization to be current up to date no negative past due. Along with XXXX XXXX which I am still dealing with, although only 1 time of negative reported in XXXX also even after I paid XXXX payment on suv loan after they allowed former spouse to defer payments when he was ordered in decree that it was my vehicle only. I am seeking enforcement of garnishments from his employer for this account due to alimony awarded in decree to pay amount to cover this expense. I've offered to pay off account with XXXX. This reporting does not accurately reflect my character as credit history means more than anything to me as I've heard former spouse recently threaten bankruptcy again to avoid alimony payment after due diligence by myself to bring his credit higher than my own following his last bankruptcy irresponsible spending. XXXX years of perfect credit, always paying bills as top priority to the point of not having food to eat for myself to pay sure kids fed well, and all debts were paid on, on time. Irs has even had identity fraud by pin on my information. Also a fraud alert placed on credit with bureaus with all disregarded by comenity.