Consumer complaint received 2025-08-18 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.

Complaint narrative:
This complaint is a follow-up to the closed cases XXXX, XXXX, XXXX. On XX/XX/XXXX, I paid the full balance of my XXXX credit card as can be seen in the attached documents yet I kept on receiving emails about late payment warnings, interest and late fees to the extent that Comenity Bank reported my account as delinquent to credit reporting agencies. This repeated negligence has caused severe financial and personal harms, disastrous academic consequences despite prior CFPB complaints and the company 's own admission of error. This error damaged my credit and directly sabotaged my ability to secure critical equipment for my research abroad, jeopardizing my academic future and professional opportunities. 

Chronology of events. Though I had an account with XXXX for a few years prior to these incidents, I used their credit cards between XX/XX/XXXX ( spent XXXXXXXX XXXX XXXX and XX/XX/XXXX ( spent XXXX XXXX XXXX  I paid the minimum payment due on XX/XX/XXXX ( XXXX $ ), was charged full amount due on XX/XX/XXXX which was returned unpaid. I paid the full balance due ( plus interest = XXXX $ ) on XX/XX/XXXX. I spent enormous hours on calls from XX/XX/XXXX until XX/XX/XXXX with different XXXX agents to close my account since I paid the amount due on XX/XX/XXXX. On the other hand, late fees, interests accrued while agents assured me the billing errors would be resolved, ultimately leading to my account being incorrectly reported as delinquent, something I discovered only on XX/XX/XXXX in a correspondence from Comenity Bank received via CFPB.

My situation was made more challenging by the fact that I recently returned from intensive care, despite my fragile health, I was forced to engage in international travels from XXXX to the XXXX with the specific purpose of purchasing essential research equipment for my academic work as can be seen in emails exchanged with providers of electronics needed ( XXXX scanner, computer, and camera ). The companys error and my subsequent ruined credit meant these trips were a complete waste. 

Financial and Personal Damages XXXX Academic and Career Jeopardies : My secured scholarship ends in XX/XX/XXXX, and my academic progress is directly tied to produce expected research results while in-absentia. Lacking the necessary XXXX scanner, XXXX, and XXXX has prevented me from conducting my work at XXXX institutions, which delays my research. 
XXXX Missed Professional Opportunities : I have an upcoming conference in XXXX XXXX XXXX that requires the submission of XXXX scans, which I still can not produce. This error is directly impacting my ability to present my work, a critical step for my career progression and XXXX University representation at such an important academic gathering. 
XXXX Bank Says We've updated our reporting of the account to the credit reporting agencies. In the interest of customer service, we submitted a request to the credit reporting agencies to remove the associated delinquencies from your credit report. Please allow up to 45 days for the credit reporting agencies to update their records. 
XXXX Continued harm after resolution : After paying the account in full on XX/XX/XXXX, XXXX XXXX complaints filled, Comenity bank has acknowledged its mistake and promised to request the removal of the delinquency from my credit report, which can take up to 45 days. This promise has proven to be both insufficient and a catastrophic failure. What should I do in the meantime? Should I stop researching, fold my hands? and cancel my participation in the digital humanities biennial in XXXX, in XX/XX/XXXX, lacking the necessary equipment? 
XXXX Time and resources : Despite returning from intensive care in XX/XX/XXXX, with fragile health, I engaged in XXXX international trips in XXXX and XX/XX/XXXX landing in XXXX  airport each time. Hence, I had to commute to other research locations ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX the hope of purchasing and collecting essential research equipments for academic work that could be picked up at XXXX XXXX  and XXXX safely back to XXXX, XXXX XXXX where XXXX am spending 18 months of intensive XXXX research. With ruined credit, these trips ( already exhausting ) were sabotaged by the XXXX XXXX  negligence and a complete waste of time, money, and energy after a medical emergency. 
XXXX Credit/Loan met with suspicion : Because my departmental funding does not provide for the purchase of electronics ( see attachments ), I could only rely on personal funds and possible loans to get the equipment I needed. With ruined credit, my applications for credit loans to purchase the targeted equipments for archival ( re ) production and fieldwork were denied or met with excessive scrutiny due to the false delinquencies I was unaware of until XX/XX/XXXX in Comenity Bank correspondence attached.

Company response to consumer: Closed with explanation