Debt collection -- Attempts to collect debt not owed -- Complaint #7511509
Complaint Overview
Complaint ID: 7511509
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: Florida
ZIP Code: 34983
Date Received: 2023-09-06T12:00:00-05:00
Date Sent to Company: 2023-09-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Fraud call claims to be credit card company ( Comenity Bank ) but was not. The call was from number XXXX. They left an automated voice mail to call XXXX. I called and the person answering the phone says I am one payment past due by one payment of {$160.00} and to make a payment using a visa or mastercard. I noticed that the XXXX number was not the number to call on the back of my credit card so I called my credit card number and payment is not due until XX/XX/XXXX. I made no payment and told the caller that her number did not match the customer service number for the bank associated with the card on the back of the card. They also tried this same attempt last week.
Frequently Asked Questions
What is Complaint #7511509 about?
Complaint #7511509 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 2023-09-06T12:00:00-05:00.
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.