Debt collection -- Attempts to collect debt not owed -- Complaint #6388787
Complaint Overview
Complaint ID: 6388787
Company: Bread Financial Holdings, INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Kansas
ZIP Code: 666XX
Date Received: 2023-01-02T12:00:00-05:00
Date Sent to Company: 2023-01-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XXXX I called Comenity Bank becaus I was unable to pay my bills with them due to hardship. I spoke with a supervisor who gave me a date of XX/XX/2022 to make my first payment of {$65.00}. I was enrolled in the hardship program. I received an alert on XXXX XXXX 2022 that my credit score has dropped XXXX points due to a delinquent account for Comenity Bank. I called the bank and the harship department. They both claimed they didn't report it and there's nothing they can do.
Frequently Asked Questions
What is Complaint #6388787 about?
Complaint #6388787 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 2023-01-02T12:00:00-05:00.
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.