Debt collection -- Attempts to collect debt not owed -- Complaint #18575486
Complaint Overview
Complaint ID: 18575486
Company: Bread Financial Holdings, INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Connecticut
ZIP Code: 06451
Date Received: 2025-09-23T12:00:00-05:00
Date Sent to Company: 2026-01-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XX/XX/scrub>XXXX XXXX it was marked on my credit report that i did not make a payment and that the payment was late. My payment was never late and they notated my account saying that the account was paid in full. They took 70 points off of my credit report due to this. When i spoke to customer service they told me they would take care of it.
Frequently Asked Questions
What is Complaint #18575486 about?
Complaint #18575486 was filed against Bread Financial Holdings, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-09-23T12:00:00-05:00.
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.