Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX : XXXX XXXX XXXX : Bread Financial / Victorias Secret Credit Card Issue : Incorrect information on credit report Date of Incident : XX/XX/XXXX Present Complaint Summary : I am filing this complaint against Bread Financial ( issuer of XXXX XXXX credit card ) due to inaccurate and unresolved billing discrepancies that are now affecting my credit. Despite numerous calls and documented disputes, the company has failed to resolve unauthorized charges and has re-reported disputed balances that were previously cleared. 

Chronology of the Issue : XX/XX/XXXX ( XXXX XXXX ) : I attempted to use my XXXX XXXX XXXX, which showed a {$0.00} balance and active status, but the transaction failed. I was forced to pay {$380.00} in cash. 

XX/XX/XXXX ( XXXX XXXX ) : I contacted customer service and learned my account had been locked, despite being visible to the associate a day earlier. I attempted to return duplicate items, but was told I had to go back to the original store. 

XX/XX/XXXX ( XXXX ) : XXXX to complete the return and was told again my account was locked. I was given a {$600.00} temporary credit but still not able to use the card. I later noticed multiple returns were processed in fragments, adding more confusion. 

Billing Dispute : I was charged for items I never received. 

Disputes were supposedly opened but never followed up. 

Ive made XXXX calls to various departments and was given inconsistent answers. 

On XX/XX/XXXX, my account showed {$0.00}. 

On XX/XX/XXXX, all charges were re-applied, including XXXX unauthorized charges of {$74.00} and {$190.00}, with no receipts or documentation. 

In XX/XX/XXXX, I received an email that the account was " past due. '' In XX/XX/XXXX, a letter stated my card could not be reissued due to account status. 

Also my credit report states that the XXXX XXXX card was closed in XX/XX/XXXX. However, I have been charged and billed for transactions allegedly made in XX/XX/XXXX, including the reappearance of disputed charges and XXXX new amounts : {$74.00} and {$190.00}. 

This raises a serious concern : How can a closed account continue to accrue charges and report a past-due balance if no transactions are possible? 

This is a clear violation of the Fair Credit Reporting Act, and further indicates that : The debt is not valid, The charges are unauthorized, And my credit is being harmed by false and inaccurate reporting. 


I have been a long-time, loyal customer of XXXX XXXX XXXX and this entire experience has been deeply disappointing. I have always fulfilled my obligations as a cardholder and trusted this brand with my financial information and consumer loyalty. 

To be treated with such disregard despite my consistent efforts to resolve the matter professionally is unacceptable. The lack of accountability, mishandling of my dispute, and inaccurate credit reporting have not only affected my credit score, but also my trust in the integrity of XXXX XXXX and Bread Financial.

Company response to consumer: Closed with monetary relief