Debt collection -- False statements or representation -- Complaint #11771542
Complaint Overview
Complaint ID: 11771542
Company: Bread Financial Holdings, INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Florida
ZIP Code: 328XX
Date Received: 2025-01-23T12:00:00-05:00
Date Sent to Company: 2025-01-23T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
When I first opened a credit account with XXXX XXXX XXXX, I only used the card a few times, and I always paid the balance in full. However, I had to file two disputes with the company after discovering that someone had used my account without my authorization, even though I still had possession of my card. I was informed that the unauthorized charges were made using an identification card. I believe the charges that are hitting my credit repeatedly are do to fraud that has been done on my account.
Frequently Asked Questions
What is Complaint #11771542 about?
Complaint #11771542 was filed against Bread Financial Holdings, INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-01-23T12:00:00-05:00.
How did Bread Financial Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Bread Financial Holdings, INC.?
Yes, visit the Bread Financial Holdings, INC. company profile at readthecomplaint.com/company/bread-financial-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.