Debt collection -- Attempts to collect debt not owed -- Complaint #8117419
Complaint Overview
Complaint ID: 8117419
Company: Bread Financial Holdings, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Illinois
ZIP Code: 60056
Date Received: 2024-01-06T12:00:00-05:00
Date Sent to Company: 2024-01-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is another case, a follow up for case : XXXX. Comenity Capital Bank responded with : " Your account was previously enrolled in automatic payments with XXXX, via the Customer Portal ( CP ) on XXXX, XXXX, 2022. The payments were initially set up for a fixed payment amount of {$150.00}, later that same day the amount was updated via the CP for the minimum payment due. ' I never updated that amount later to minimum payment, why would I even do this??? There is also no confirmation anywhere that I changed it to minimum payment after I initially set it to {$150.00} ( there was an email confirmation when I set it to {$150.00} ). This company changed it behind my back or their system somehow failed, but I never changed it back by myself, I never even got a confirmation that it was changed to minimum payment- I would at least see that it has changed and would change it back to {$150.00} or at least reach out to DELL. This bank is lying, so they can collect interest, which I do not owe them. This is unfair and disgusting and it seems like you do not even read their responses or you are ok with fraudulent banks. I am attaching a screenshot of the email I received when I changed the payment to {$150.00}. There is no such email with another later change to minimum as this bank claims.
Frequently Asked Questions
What is Complaint #8117419 about?
Complaint #8117419 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 2024-01-06T12:00:00-05:00.
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.