Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I made the first call to Comenity bank on XXXX XXXX about a refund due to me from a XXXXXXXX XXXX store credit. The credit was for {$26.00}. Apparently I had XXXX closed accounts with the bank. A XXXX  account closed XXXX XXXX and a Victoria secret account closed XX/XX/year>. Both closed with XXXX balance. I was sent the check and deposited into my bank. XXXX weeks later I received a Victoria secret credit statement with a balance of {$26.00}. Assuming it was fraud I called Victoria secret to see hows this is possible when I didnt use the card and the account has been closed for XXXX years. It was discovered that the check was issued as a refund for Victoria secret instead of XXXX. I was told that the situation will be corrected not to worry. I was given the case number XXXX The refund department made the refund out from the wrong account and since I had already deposited the check they would make the necessary accounting adjustment on their end. A week later I received another check for the same amount {$26.00} and notice it said XXXX  on it. I immediately call the bank Comenity to inquire why was this check sent when weve discussed I already received the refund although it was under the wrong account that they were going to make the necessary adjustments on their end. I was told dont cash the check they will correct the issue. I DID NOT CASH THE CHECK. I offered to go to my bank where the check was deposited to see if I could get it returned. I was told by the the rep that it would not be necessary since the check was deposited. She stated she sees the error and would make the corrections and I would receive a letter. Which I still yet havent received. 
A few weeks later I revived a credit alert that XXXX of my accounts were 30 days delinquent. I checked to see what the alert was about and Victoria secret reported this false information and balance of {$26.00} plus late fees to the credit bureau affecting my credit score to drastically drop. I called again to get this situation rectified to avail. XXXX being charged XXXX for a refund rightfully owed to me plus XXXX charges of {$35.00} for late fee. Again to charges were made. This account was closed. I spoke to a rep again today which prompted this complaint because my credit it affected, please see attached all supporting documents and a balance is still pending with fee all In error. Its now XXXX months later and XXXX stilling dealing with this problem. The rep today wanted me to make a payment of {$26.00} and cash the second check to resolve this issue. Im extremely uncomfortable submitting my credit card or bank card to Comenity because of this issue. I have great discernment to cash or deposit the second check knowing the headache Ive experiencing over this matter. The previous rep told me not to cash the check. All of this conflicting information isnt helping to resolve this matter which I know could have been easily resolved with a credit, debit entry made on the refund team side.

Company response to consumer: Closed with monetary relief