Debt collection -- Communication tactics -- Complaint #7484321
Complaint Overview
Complaint ID: 7484321
Company: Bread Financial Holdings, INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Communication tactics
Sub-Issue: Frequent or repeated calls
State: Ohio
ZIP Code: 434XX
Date Received: 2023-08-31T12:00:00-05:00
Date Sent to Company: 2023-08-31T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX with VS card rep for re payment many times due to loss of XXXX XXXX XXXX and not having enough money at the time due to other bills. Explained I'm a single mom w/ two child juggling bills and will pay, couldn't set up a time since I wasn't sure how income would be, tried to cancel card, and wouldn't. Called on different numbers- didn't answer XXXX Date XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX am XXXX XXXX XXXX a, Spoke w/ rep dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX am XXXX XX/XX/XXXX XXXX pm Other potential spam number can't remember if VS related XXXX XX/XX/XXXX XXXX and XX/XX/XXXX XXXXXXXX XXXX didn't answer XX/XX/XXXX XXXXXXXX XXXX spoke with XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX didn't answer XX/XX/1855 XXXX XXXX XXXX XXXX didn't answer also informed them I knew they only could call x amount of times- found this information to confirm and now sending complaint to you. Please help thank you. How many calls from a creditor is considered harassment? seven times The debt collector is presumed to violate the law if they place a telephone call to you about a particular debt : More than seven times within a seven-day period, or. Within seven days after engaging in a telephone conversation with you about the particular debtXXXX XXXX, 2023 When and how often can a debt collector call me on the phone? Consumer Financial Protection Bureau ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( I was wrong about some of the information and over whelmed with the calls which caused me XXXX and other mental health issues )
Frequently Asked Questions
What is Complaint #7484321 about?
Complaint #7484321 was filed against Bread Financial Holdings, INC. regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2023-08-31T12:00:00-05:00.
How did Bread Financial Holdings, INC. respond to this complaint?
The company responded with: "Closed with 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.