Debt collection -- Attempts to collect debt not owed -- Complaint #5070079
Complaint Overview
Complaint ID: 5070079
Company: Bread Financial Holdings, INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Michigan
ZIP Code: 482XX
Date Received: 2022-01-04T12:00:00-05:00
Date Sent to Company: 2022-01-04T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The company in question is XXXX. Do to resent medical events and other occurrences, it was a medical suggestion for me to get a pet for emotional support. Long story short, I went to see a pet at XXXX, they had me fill out some paperwork while I played with an adorable puppy. Then I was given 24hours to decide if I wanted the dog that I saw and played with that day. ( XX/XX/XXXX ). I came home, did a little research and decided that I did not want the dog, the very next day or any other date in the future. I informed XXXX personnel on ( XX/XX/XXXX ) less than 24hours later of my position, not to proceed with the purchase. A few months passed and some time in XX/XX/XXXX, I received a bill stating that I owed {$2200.00}. I immediately contacted the credit card server to file a complaint. I was told that an investigation would be conducted and that someone would be in touch. No one followed up with me and I continued to receive stressful calls for collection. Do to some unforeseen financial issues alone with the medical ones, I was encourage to file bankruptcy and XXXX was a part of the inspiration for me to move forward with the recommendation given by my attorney. Perhaps my creditors will get some sort of payoff from the bankruptcy including XXXX, but my complaint and real concern is, how many other individuals are being scammed or harassed into such difficult circumstances and feeling helpless as thought theres nothing they can do about the threat of this type of credit reporting? And by the way XXXX has since then remove their companies name from the XXXX, which was where I retrieved most of the discouraging information not to buy a pet from them. And still to this day ( XX/XX/XXXX ) I do not have and did not purchase a pet of any kind from XXXX or any other pet venders.
Frequently Asked Questions
What is Complaint #5070079 about?
Complaint #5070079 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 2022-01-04T12:00:00-05:00.
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.