Debt collection -- Took or threatened to take negative or legal action -- Complaint #8592463
Complaint Overview
Complaint ID: 8592463
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 sue you for very old debt
State: Texas
ZIP Code: 786XX
Date Received: 2024-03-20T12:00:00-05:00
Date Sent to Company: 2024-03-20T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
FDCPA Violation. Calling you or any other person repeatedly with intent to annoy, harass, or abuse you, or any person at that number. Calling you after you have provided your lawyers information. Threatened to sue me without properly following procedures in FDCPA. Calling or contacting you without disclosing that they are debt collectors trying to collect a debt. This call came from Comenity Capital Bank for an XXXX Credit Card Account. The XXXX called on the phone number : XXXX.
Frequently Asked Questions
What is Complaint #8592463 about?
Complaint #8592463 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 2024-03-20T12:00:00-05:00.
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 (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.