Debt collection -- Took or threatened to take negative or legal action -- Complaint #5548350
Complaint Overview
Complaint ID: 5548350
Company: Bread Financial Holdings, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-Issue: Sued you in a state where you do not live or did not sign for the debt
State: Texas
ZIP Code: 76051
Date Received: 2022-05-05T12:00:00-05:00
Date Sent to Company: 2022-05-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I recently moved back to the United Estates on XX/XX/XXXX, after living in XXXX for over 13 years. I contacted a realtor to help me search for my future home, so she suggested I install XXXX XXXX which I did, and I found out about 1 Delinquency dated back in XXXX. It brought me a red flag that something was wrong because I was still in XXXX that year! I contacted the 3 Credit Bureau to start the Dispute against that fraudulent activity immediately, and we could process it without any delay. The company that opened that account ( without my authorization ) is Comenity Capital Bank which already had transferred that account to XXXX XXXX XXXX for Collection. However, thanks to the early approach to do the Dispute with the 3 XXXX, XXXX, and XXXX, I got a letter from XXXX XXXX XXXX on XX/XX/XXXX, letting me know that they have reviewed their records and gave the following updates : We have closed 'your account ( which is not mine ) and ceased collections. You have no further obligation regarding this account. I honestly thought that the issue was erased from my credit report because XXXX, my personal Bank since XXXX, was able to give me a XXXX XXXX Credit Card ; however, my realtor emailed me a screenshot about some delinquency in my report and was unable to proceed with my mortgage correctly because of that issue showing still in my report? I decided to contact XXXX today to proceed with a Dispute to Comenity Capital Bank, and the representative from XXXX suggested I report this issue to this official site. Please I need your assistance regarding this terrifying issue because I can not imagine that this activity could damage my dream of a smooth transition back to my home USA and my dream to purchase my future. I do not want to think that this could happen again to me or no one. Yours Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #5548350 about?
Complaint #5548350 was filed against Bread Financial Holdings, INC. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2022-05-05T12:00:00-05:00.
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.