Debt collection -- Attempts to collect debt not owed -- Complaint #4651390
Complaint Overview
Complaint ID: 4651390
Company: Bread Financial Holdings, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: West Virginia
ZIP Code: 255XX
Date Received: 2021-08-21T12:00:00-05:00
Date Sent to Company: 2021-08-21T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
Pay same as cash no interest as long balance was made by due date, I had balance due of XXXX by XX/XX/2021 I made before the XXXX however the day I call which I always make by phone to avoid processing fee talking to a real person I let them know their was phone problems I made payment of XXXX I realize i needed to pay XXXX but the machine had picked up by voice XXXX I was not able to pay XXXX cents I kept calling it took several days to process payment, by then my account had charged interest of XXXX and late fee. I call to speak to someone numerous times with no help I had to finally get a supervisor to file a complaint of of course they mailed me a letter telling me everything I already knew. They never considered that I never missed a payment and on said date I was truly trying to pay my balance off! I even tried to file a second complaint for I knew I had been done wrong I was told that it wouldnt do any good. They should have on file of all my calls and conversations. I even ask for a settlement balance answer was no we dont do that,
Frequently Asked Questions
What is Complaint #4651390 about?
Complaint #4651390 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 2021-08-21T12:00:00-05:00.
How did Bread Financial Holdings, INC. respond to this complaint?
The company responded with: "Closed with 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.