Debt collection -- Attempts to collect debt not owed -- Complaint #5851349
Complaint Overview
Complaint ID: 5851349
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: Tennessee
ZIP Code: 37912
Date Received: 2022-08-06T12:00:00-05:00
Date Sent to Company: 2022-08-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
The companies involved issued my wife credit cards a decade ago or simply created these debts illegally. It is so long ago I have no idea if the amounts are correct. These were never my debts. My wife has paid off these cards years ago but the company is question created fake debts several years ago and I suspect they bought equally fake debts from another dishonest company. In this case not only did they assign me debts that were paid off that were never mine but they illegally reset the starting date for the debt to be within the last couple of years which is impossible.
Frequently Asked Questions
What is Complaint #5851349 about?
Complaint #5851349 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 2022-08-06T12:00:00-05:00.
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.