Credit card or prepaid card -- Other features, terms, or problems -- Complaint #7150133
Complaint Overview
Complaint ID: 7150133
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Problem with customer service
State: Pennsylvania
ZIP Code: 186XX
Date Received: 2023-06-21T12:00:00-05:00
Date Sent to Company: 2023-06-21T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
There has been fraud involved in the opening of an account that I'm said to be liable for and Comenity Capital Bank has been harassing me regarding this issue. I have received 2 statements from Comenity Capital Bank with due dates of XX/XX/XXXX and XX/XX/XXXX. I received the first statement and did not believe that I need to pay the statement as claimed, so reached out to Comenity Capital Bank in writing. On XX/XX/XXXX, I requested a validation of debt, per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). In that letter, which is attached to this complaint, I stated " In addition, I kindly request that your agency refrains from making any phone calls to my personal line. Excessive or automated calls made to myself or third parties will be considered harassment and will result in legal action being taken against your agency. '' Comenity Capital Bank received my letter on XX/XX/XXXX, as confirmed by the certified mail tracking in the attached document. From XX/XX/XXXX to XX/XX/XXXX, Comenity Capital Bank has called me 33 times from 16 different numbers, and texted me 5 times. This has been absolutely distressing, as I can not even block unwanted calls given the sheer number of different lines they have used to call me. I've had numerous losses due to work on my phone being interrupted from unwelcome phone calls as well.
Frequently Asked Questions
What is Complaint #7150133 about?
Complaint #7150133 was filed against Bread Financial Holdings, INC. regarding Credit card or prepaid card specifically about Other features, terms, or problems. It was received by the CFPB on 2023-06-21T12:00:00-05:00.
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 (Credit card or prepaid card) 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.