Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
COMPLAINT AGAINST : Comenity Bank ( Bread Financial ) - Lane Bryant Store Card COMPLAINT TYPE : Incorrect information on credit report / Improper use of credit report -- - On XX/XX/2026, I paid my Comenity Bank credit card account in full in the amount of {$540.00}. I made this payment with the clear understanding that it satisfied the entire balance on my account. Following that payment, Comenity Bank applied a series of additional charges to my account without making any proactive attempt to notify me - no phone call, no letter, and no clearly identified billing communication separate from the high volume of marketing emails I routinely receive from them : XX/XX/2026 - Interest charge : {$7.00} XX/XX/2026 - Late fee : {$7.00} XX/XX/2026 - Minimum interest charge : {$2.00} XX/XX/2026 - Late fee : {$17.00} XX/XX/2026 - Minimum interest charge : {$2.00} Total : {$36.00} Comenity Bank sent me multiple marketing and promotional emails per week throughout this period. Any billing statement containing the above charges was buried in that volume of unsolicited marketing correspondence. I received zero outreach by phone or postal mail at any point. When I finally discovered a statement showing a balance of {$36.00}, I paid it immediately and in full. My husband and I then called Comenity Bank on XX/XX/2026 to resolve the matter and request removal of any negative reporting. We were told at that time that we would need to submit our request in writing. Despite our prompt payment upon discovery and our good-faith effort to resolve this by phone, Comenity Bank reported my account as delinquent to all three major credit bureaus- XXXX XXXX XXXX XXXX. This delinquency is now negatively impacting my credit score. I believe this reporting is unfair and inaccurate for the following reasons : 1. I paid my account balance in full on XX/XX/2026, in good faith. 2. The subsequent charges were not communicated to me through any reliable or distinguishable means of contact. 3. Comenity Bank made no attempt to reach me by phone or postal mail prior to reporting me as delinquent. 4. Upon learning of the balance, I paid it immediately. 5. Late fees were assessed on top of interest charges on a balance that resulted from a payoff - a practice that compounds harm to consumers who believed their accounts were settled. I am requesting that the CFPB investigate this matter and that Comenity Bank be directed to remove the delinquency notation from my credit reports with XXXX XXXX XXXX XXXX immediately. I have already submitted a formal goodwill and dispute letter to Comenity Bank 's Credit Disputes Department via certified mail on XX/XX/2026. I am filing this CFPB complaint simultaneously to ensure this matter receives appropriate attention. Desired resolution : Immediate removal of the delinquency from all three credit bureau reports and confirmation in writing that my account reflects no negative history.

Company response to consumer: Closed with monetary relief