I told them to close the account, called them deplorable, and added that they earned their many negative online reviews. Again, the can was kicked pending further investigation. I called immediately after receiving the letter. The last communication from them (via snail mail letter) asked me to call them within 30 days, or the account would be closed. I was told of ongoing investigations, prompted by them, not me. After three phone calls and one snail mail letter, my rectifying efforts resulted in them constantly kicking the can down the road. Aside from their many website glitches and outages, the more important issue is their assumption that there was fraud on my fraudless account therefore, my card was locked three times, and unlocked twice. I’ve had a Bread Cash Back credit card for about four months. All negative posts should be believed, including mine. I'll update once I receive the letter in the mail confirming the removal of the late payment.Original Review: I assume that any positive reviews you read about Bread Financial are from shills. I've set alarms on my phone to make sure I pay two days in advance, and this will not happen again! Thank you!" Please give me a chance to have my perfect paying history back. And, I in fact didn't miss a payment for the 30 days, I actually did pay in July. I really do believe in having a good payment history and if you look at my records, I have no other missed payments. I'm writing today to ask for your forgiveness for my mistake. I did however make sure to pay July 21, 2019, but I still was shown as a missed payment on all three credit bureaus. In the mist of moving I believe I forgot to pay on my due date. But, in July 2019 I had a missed payment. It's really been a privilege to be able to do business with your company and I would like for it to continue and for me to continue to prove my value to you as a customer. "Hello, my name is X X I'm writing you today because I am a customer of your Victoria's Secret store card. I also provided a screenshot showing I havent missed any other payments. Here is what I wrote for my GW letter, it's simple and to the point. Thank you for being a valued card member. You will receive a decision from us, the same way your request was received. Once we have received your request, by one of these methods, a member of our Credit Bureau Disputes team will review your request and the account. I have included the mailing address and the website needed to submit your request. You will need to log into your online accounts to access the SMC tool. Your request would need to be received either by mail or via our Secure Messaging Center. I just called and the lady was able to remove the missed payments and is mailing me a letter stating it has been updated from deliquent to no missed payments. So, I followed up and the auto responder said to call in. I was told I'd get a response within 2 business days, I received a response the next day, but it stated they'd forward the message and I'd get a response in another 2 business days, and I never did. I sent a message on FB, they stated I could mail in a response or used the secure message system online, so I sent it throught the secured portal. It's from July 2019 30 days, I missed June's payment then paid the end of July. I have one missed payment on my report and my score took a major hit.
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