Debt collection -- Took or threatened to take negative or legal action -- Complaint #7696421
Complaint Overview
Complaint ID: 7696421
Company: Bread Financial Holdings, INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened to arrest you or take you to jail if you do not pay
State: Ohio
ZIP Code: 45371
Date Received: 2023-10-13T12:00:00-05:00
Date Sent to Company: 2023-10-13T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Actions taken by Comenity Bank : - repeated phone calls every day after being told not to be contacted any further because of possible scam since XX/XX/2023- XXXX XXXX ( XXXX ext. XXXX ) - XX/XX/2023 contacted third parties ( father and mother ) discussing related debt owed and made threats about getting a lawyer and taking legal action. Based on what my father said, he was not being professional. - XXXX XXXX - XX/XX/2023 when on the phone with me ( the person who actually owes the debt ) threatened to send to collections. He also threatened that the court will file a subpoena against me and that I need to get a lawyer. He said that in the state of Ohio I could go to jail for this because I am committing " fraud ''. Over an {$83.00} original balance due. While also on the phone with him, he said " I need to take accountability '', which I would do if they ever decided to mail me the physical XXXX Credit Card and explain what I supposedly bought. If I have never received the physical card in the mail to activate it, how can I be sure that this isn't a scam. I have received no bills to the address on file. - XX/XX/2023- Comenity Bank called me, I answered. I stated to this person ( I don't remember who ) that I never received a physical card copy in the mail and that I have received no bills relating to the debt I apparently owe. At this time, I was sure that it was a scam. It was not a professional call at all.
Frequently Asked Questions
What is Complaint #7696421 about?
Complaint #7696421 was filed against Bread Financial Holdings, INC. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2023-10-13T12:00:00-05:00.
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.