Debt collection -- Attempts to collect debt not owed -- Complaint #5139312
Complaint Overview
Complaint ID: 5139312
Company: Bread Financial Holdings, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Arkansas
ZIP Code: 721XX
Date Received: 2022-01-23T12:00:00-05:00
Date Sent to Company: 2022-01-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received a prelegal notice from XXXX XXXX XXXX that I have a debt of at Comenity Capital Bank. They give me warning that if they do not hear from me or receive payment by this month, they will go to an attorney. For your information, I have never lent money to any bank. In addition, this pre-legal letter was the first mail I received from this bank. Therefore, it is obvious that my identity is stolen and used here. In this circumstances, I would like to request your help to stop this harassment.
Frequently Asked Questions
What is Complaint #5139312 about?
Complaint #5139312 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 2022-01-23T12:00:00-05:00.
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.