Debt collection -- Written notification about debt -- Complaint #4641966
Complaint Overview
Complaint ID: 4641966
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: California
ZIP Code: 94122
Date Received: 2021-08-18T12:00:00-05:00
Date Sent to Company: 2021-08-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Sent certified letter requesting debt validation under the Fair credit reporting Act. Company replied with a letter on XX/XX/21 stating that they will continue to publish this account. Company did not provide any debt verification. Company employee named XXXX XXXX Stated that there was not enough proof to validate the account to me and should be removed on XX/XX/21.
Frequently Asked Questions
What is Complaint #4641966 about?
Complaint #4641966 was filed against Bread Financial Holdings, INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2021-08-18T12:00:00-05:00.
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.