Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
This complaint is regarding Comenity Capital Bank and their handling of a XXXX XXXX  XXXX for XXXX XXXX XXXX XXXX, which has resulted in violations of the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ) due to their harassment, mishandling of disputes, and credit damage. 

In autumn XXXX, I experienced brief financial hardship and missed XXXX payments. Prior to that, I had a perfect payment history. In response, the bank began calling me XXXX to XXXX times per day, cycling through over XXXX different phone numbers. I have screenshots and voicemail recordings documenting this. XXXX message even threatened that I needed to get a lawyer. This excessive communication may constitute a violation of the FDCPA ( 15 U.S.C. 1692d ), which prohibits conduct that harasses, oppresses, or abuses the consumer. 

XXXX later admitted in writing that they contacted me this frequently but claimed it was legal since the calls were within allowed hours. Harassment is not permitted simply because it happens between XXXX XXXX  and XXXX XXXX  volume and frequency are also factors. I did not consent to these excessive contacts, and I had not opted into any autodialing systems. 

Despite resolving the account and bringing it back to good standing, my XXXX XXXX dropped over XXXX points, which is disproportionate and harmful, especially for a balance that was under {$3000.00}. This has become the only negative mark on my credit history and has directly blocked me from securing housing. 

I contacted the bank several times : Called and was falsely told that " good faith removals dont exist '' Submitted a request via the banks official website ( still unanswered ) Asked for a formal dispute and heard nothing in return These are violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C XXXX 1681i ), which requires furnishers of credit information to investigate disputes fully and respond within XXXX days. They have either failed to investigate or performed inadequate internal reviews. 

I have also filed multiple complaints with the CFPB : XX/XX/XXXX against XXXX XX/XX/XXXX against Comenity for abusive communication tactics XX/XX/XXXX against Comenity for improper dispute resolution XXXX of these complaints were closed without action, and the bank has continued to ignore, delay, or deny their responsibility. 

In addition to the CFPB : I filed with the New Jersey Division of Consumer Affairs ( XXXX ) They referred me to the Utah Attorney XXXX XXXX and the Utah Department XXXX XXXX XXXX, since Comenity is XXXX Both agencies referred me to the FDIC, where I filed on XX/XX/XXXX The FDIC responded XXXX XX/XX/XXXX, forwarding my complaint back to the CFPB, despite this being an exhausted route This is a closed-loop with no accountability. I have followed every formal channel and submitted documentation to all appropriate agencies. The bank is ignoring the CFPB, and unfortunately the CFPB appears unable to enforce action.

Company response to consumer: Closed with non-monetary relief