Credit card -- Struggling to pay your bill -- Complaint #8188888
Complaint Overview
Complaint ID: 8188888
Company: Bread Financial Holdings, INC.
Product: Credit card
Sub-Product: Store credit card
Issue: Struggling to pay your bill
Sub-Issue: Filed for bankruptcy
State: Virginia
ZIP Code: 226XX
Date Received: 2024-01-19T12:00:00-05:00
Date Sent to Company: 2024-01-19T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Comenity Bank has continued to contact me after I told 2 representatives that I obtained an attorney for Bankruptcy. I provided the name of the attorney and where the attorney was located. The 2nd representative even laughed at me during the call. They continue to call me in a manner that violates the FDCPA. I have screen shots of back to back phone calls. I also have saved voice-mails of where they have duplicated leaving voice-mails on the same phone number more than once a day which is also a violation of the FDCPA. All of these issues above are clear violations and they should be notified of such. I did not dodge them, I told them I was filing bankruptcy and the attorney information I had at the time. I have stopped answering there calls because at this moment there is nothing else to say. The first call I informed them of the BK filing was on a call where they called me at work and I also requested they no longer called my workplace which as of now they have not. I decided to go ahead and file this complaint because today from XXXX to XXXX I have received 4 phone calls from them all from the same number. They left one voice-mail today so far but I have two voice-mail messages from them on XX/XX/16 and have saved them from past days where they were again duplicated. They need to stop and contact my attorney as all regulations tell them to do in the first place. I am one of thousands if not millions of customers they have so how many people are they doing this to every day?
Frequently Asked Questions
What is Complaint #8188888 about?
Complaint #8188888 was filed against Bread Financial Holdings, INC. regarding Credit card specifically about Struggling to pay your bill. It was received by the CFPB on 2024-01-19T12:00:00-05:00.
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 (Credit card) 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.