Debt collection -- Attempts to collect debt not owed -- Complaint #7177230
Complaint Overview
Complaint ID: 7177230
Company: Bread Financial Holdings, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Pennsylvania
ZIP Code: 17325
Date Received: 2023-06-27T12:00:00-05:00
Date Sent to Company: 2023-06-27T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was the victim of XXXX and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXX and the XXXX of a XXXX individual as documented in XXXX reports. I have had to flee XXXX miles with my XXXX XXXX XXXXnd these issues are hindering my ability to house my XXXX XXXX and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. The proper law enforcement ( XXXX ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. Please remove these accounts from all XXXX reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation. I am unsure why either ZALES XXXX XXXX would have had a XXXX response, as the report shows Comenity is the " owner '' and the accounts were sold. My report shows both accounts XXXX responded to me as " owning '' originate with comenity capital ( as does a Victoria 's secret card that is not mine ) not XXXX. I have never had a XXXX account of any kind. The XXXX account is listed as XXXX and is listed as XXXX and XXXX owed and opened in XX/XX/2108. IF the Victoria 's Secret Card is also XXXX 's, and once Again ALL XXXX are listed as XXXX XXXX on my report, that would also need deleted. The account, account number XXXX, reference number XXXX XXXX XXXX on XX/XX/2017 and was opened with Victorias Secret. The Zales account account XXXX XXXX XXXX, formerly Zales is listed as Comenity. ALL THREE should also be referred to the collections agencies they were sold to for deletion immediately.
Frequently Asked Questions
What is Complaint #7177230 about?
Complaint #7177230 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 2023-06-27T12:00:00-05:00.
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.