Debt collection -- Written notification about debt -- Complaint #13128749
Complaint Overview
Complaint ID: 13128749
Company: Bread Financial Holdings, INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: New Jersey
ZIP Code: 086XX
Date Received: 2025-04-22T12:00:00-05:00
Date Sent to Company: 2025-04-22T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline They responded back saying account verified But it's incorrect
Frequently Asked Questions
What is Complaint #13128749 about?
Complaint #13128749 was filed against Bread Financial Holdings, INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-04-22T12:00:00-05:00.
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.