Debt collection -- Attempts to collect debt not owed -- Complaint #5752937
Complaint Overview
Complaint ID: 5752937
Company: Bread Financial Holdings, INC.
Product: Debt collection
Sub-Product: Medical debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Florida
ZIP Code: 33351
Date Received: 2022-07-09T12:00:00-05:00
Date Sent to Company: 2022-07-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Commenity Bank allowed someone to open several accounts in my name and it has a negative impact on my credit. I did not open an XXXX, XXXX or a XXXX account and they send me a copy of purchases and payments that doesn't prove anything anyone can open an account as someone else that doesn't prove anything at all. I want hard proof that I open an account. I want a copy of my identification other than that commenity bank should have done their job and asked id questions before opening an account
Frequently Asked Questions
What is Complaint #5752937 about?
Complaint #5752937 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 2022-07-09T12:00:00-05:00.
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.