Debt collection -- Took or threatened to take negative or legal action -- Complaint #18071572
Complaint Overview
Complaint ID: 18071572
Company: Bread Financial Holdings, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-Issue: Collected or attempted to collect exempt funds
State: Arizona
ZIP Code: 850XX
Date Received: 2025-12-01T12:00:00-05:00
Date Sent to Company: 2025-12-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Please record that my income comes from protected federal Social Security XXXX. These benefits are generally protected from garnishment to pay a debt owed to a private person or company. If by chance this is transferred to another company would you please send this notice along thank you.
Frequently Asked Questions
What is Complaint #18071572 about?
Complaint #18071572 was filed against Bread Financial Holdings, INC. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2025-12-01T12:00:00-05:00.
How did Bread Financial Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.