Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: GA

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tel : XXXX Consumer Finace Protection Bureau XXXX XXXX XXXX XXXX.
XXXX, D.C. XXXX To whom It May Concern I XXXX XXXX would like your help on cleaning up my credit. I am a single mother of XXXX a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I always use to pay my bills on time and had perfect credit until I lost hours working with XXXX XXXX XXXX and had to find another job with the new job XXXX XXXX XXXX I was making way less than I was with XXXX XXXX. I would pay my bills on time Until I got pregnant with my daughter in XX/XX/XXXX, I wasnt able to do much lifting with my XXXX I was constantly in pain from the beginning of my XXXX. OnXX/XX/XXXX I went to the doctor and was given a letter for light duty XXXX XXXX XXXX said they were not able to accommodate light duty so the doctor placed me on bed rest for the remainder of my XXXX I was XXXX XXXX XXXX XXXX. As a result of that I went home with no pay and I could not draw unemployment because I was still employed with the company.
As a result of that my credit started going down hill I never started working again until XX/XX/XXXX after a separation from my husband with XXXX young children. I moved to XXXX and once I started working I started making payments on my car note every two weeks until I was current. It was a lot but I did it with determination. Because I was trying to mentain my good credit which was very hard seeing I only made {$9.00} and {$9.00} after my first three months.
I also cleared my credit card bill up once I was working then they started putting things on my credit. XXXX XXXX XXXX put a bill on my credit I bought a package from them in early XX/XX/XXXXfor {$600.00} I wasnt able to do all my treatments because of work I wasnt able to go out there anymore and I found out I was XXXX so I couldnt do the treatments anymore. I informed them of my situation and they told me I could always come when I am ready after I have the XXXX. I was still paying on it but sometimes I would pay late and they would charge me a late fee. At one time I checked and I had paid them over {$700.00} and they were still charging me. But I didnt have the money I wasnt working and I called them sent them letter of my situation and still they did nothing about it, and they closed the company down and still wanted me to pay them so I was not able to go back and finished my treatments XXXX XXXX XXXX  closed their doors and I was not able to go finish and they still wanted me to pay and I was paying. I made arragements to pay every two weeks but I had a lot of bills I was trying to clear up and while I was on a payment arrangement one week I couldnt pay and I called them and they said ok when I called back to pay they placed the account in collections with a balance of {$180.00} I think that was very very wrong and I was not treated fairly in the same time I got separated from my husband lost my mom to XXXX XXXX with XXXX young children all on my own in a new state as a result my credit is ruined I was not able to pay my car note on time with XXXX XXXX XXXX or my Credit Card bill and I understand that they have to report every late payment but I told them of my situation they didnt take the car which I think was nice of them but every late payment was reprted and I want to see if I could have some of those late payments removed if I could get some credit forgiveness or something cause I hate the idea that my credit is ruined because of my situation and I wont be able to provide a decent life for my babies because your credit score is everything and I am not a person who just do not want to pay their bills but I fell on some really really hard times and it has been very difficult for me to even I moved back to XXXX and I am a single mom of XXXX as I have said before my rent and my household expenses and daycare fees are more than I make but I am trying really hard to maintain a roof over our heads. I work really hard but I only make {$12.00} an hour and I just basically need some help in repairing my credit the legal way because seven years is a long time to wait and I would really love to purchase a home for me and my XXXX children soon. I think I would be better off with a mortgage with more space and a back yard for my kids to play in. I pay every bill you would pay in a house right now in my apartment. I would just appreciate your help in resolving some of my credit issues I have ordered my credit report from all three credit bureaus. Please I need your help. Also the Apt I was living at the time in XXXX XXXX XXXX I moved to XXXX in XX/XX/XXXX I gave them a notice I never kept a copy thats where I went wrong but I moved and I left my husband in the apartment and he said he saw the letter there after I left he never kept the letter either and he moved out on the XX/XX/XXXX and they wrote me said I owe them over {$2000.00} I tried to tell them I did give my notice in but they said they couldnt find it and because I couldnt find it either I had to pay them all I think it was {$2300.00} I got my taxes back and I paid them everything all at once. I think that was wrong they knew they got a notice but they said it wasnt in the file. They placed that in collections too but once I paid they took it off. But that too was unfair cause I did give them a notice. Also XXXX  sent me a bill and when i called them to pay the bill which was {$95.00} they waid it was already paid i only owe them {$12.00} which i paid and told them to closed the account. Only to get a bill from them almost a year after saying i owe the {$80.00} after my investigation they said someone else called in to pay their bill and they posted it on my account in error, so now i owe them and they placed it in collections i paid them then i wrote the credit bureau and i think they removed it but in case they did'nt i think you sould know about that too.
Please I need some help Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief