Consumer complaint received 2018-10-08
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've been contacting her since XXXX. CFPB has allowed XXXX XXXX to lie, deny and continue to lie and sabotage my account with claims CFPB hasn't sent recordings to XXXX XXXX re : debt I never tried not to pay. I contacted OMSMANBUD to further assist. Since my last email here with recordings each time nothing is being done. 

I'm very ill XXXX XXXX has denied and cut off my hardship plan I that did not end XX/XX/XXXX as stated. 2 recordings with reps stating it ended XX/XX/XXXX after the fact when I was calling XX/XX/XXXX and XX/XX/XXXX with reps lying telling me it ended XX/XX/XXXX. 

XXXX XXXX has forced my account to increase, I wrote here telling CFPB month after month. I kept calling XXXX in my situation harassed, denied another plan recorded to date they refuse to give me. Instead forcing my account into default. 

I've had it, I did not have XXXX dollars to send when XXXX reps lied hardship ended. I could have sent the XXXX dollars it was. 

2 Sundays ago XXXX at XXXX XXXX badgered me so badly I was told to ask for a writ-off since I may not live XXXX said " I don't know how to say this but you may have to die then it will be written off '' I told CFPB he said that, CFPB HAS YET TO CONTACT THESE PEOPLE OR XXXX XXXX AT XXXX XXXX XXXX WHO OWNS XXXX AND REPORT THESE REPS. You heard recording I sent here. XXXX reps said CFPB SENT NOTHING. 

CFPB can hear XXXX also tell me after I begged XXXX to put me back on Hardship that did not end XX/XX/XXXX it was XX/XX/XXXX THIS IS HARASSMENT I told XXXX I will beg to get money so ( as XXXX stated ) I'm taking money from him I said I will beg to pay XXXX said " YES YOU CAN ASK DOCTORS AND NURSES TO HELP AND DO XXXX ''. I cried as this man Dehumanized me and stated to him " You don't know if I have hands or arms, my history I paid my debt MY HEART HURTS I DID NOT DO THIS YOU ALL XXXX DID THIS WHEN YOU REMOVED MY NUMBER, STOPPED CALLING LAST CALL WAS IN XX/XX/XXXX WHEN I WAS LATE FROM A NICE LADY THEY SABOTAGED MY ACCOUNT REMOVING MY NUMBER WHEN I WAS IN A XXXX. 

NO ONE COULD PAY BECAUSE XXXX OR XXXX NEVER CALLED ME SINCE XX/XX/2017. It was me who called, paid triple bill when I semi recovered in XX/XX/XXXX after that I begged and pleaded for account that was SABATOGED THE DAY MY NUMBER WAS REMOVED. BUT I PAID AFTER XXXX  AND THESE REPS HAS TOLD ME MONTH AFTER MONTH THEY DO NOT CARE THAT I WAS ILL AND STILL FIGHTING FOR MY LIFE. THEY SAID I'M TAKING FOOD OUT THERE MOUTHS, REFUSED TO LISTEN TO CALL THAT ARE NOW GOING ON SOCIAL MEDIA TO GET HELP CFPB DID NOT HELP ME. 

XXXX SAID HE DIDNT CARE " THIS IS HOW THE WORLD IS NOW '' REALLY TO DAMAGE HELPLESS PEOPLE WHO CALL YOU EVERY MONTH WHILE YOU LIE AND FORCE AN XXXX DOLLAR ACCOUNT UP TO XXXX. IT'S NOW BEEN FORCED UP TO XXXX AND I NEVER TRIED TO HIDE. THEY WONT CALL ME I REPORTED TO CFPB NOW IT 5 MONTHS LATER XXXX AFTER XXXX LIE AFTER LIE DENIED A XXXX PLAN SINCE XXXX  FEMALE REP TOLD ME ABOUT WHEN SHE TOLD THE TRUTH- '' MS XXXX YOUR HARDSHIP ENDED XX/XX/XXXX ''. AND IT SAID AGAIN XX/XX/2018 " ENDED XX/XX/XXXX '' BY ANOTHER REP WHO CLAIMED SHE'D HELP AND TRANSFERED ME AGAIN TO XXXX I REPORTED TO CFPB WHO DENIES HELPING ME SINCE XX/XX/XXXX. XXXX TRANSFERED ME TO XXXX AGAIN XX/XX/XXXX, AND SHE CONTINUES TO LIE AND DENY ASSISTING. THEY KNOW ITS ME CALLING. 

I SENT RECORDING WITH REP ACCUSING ME OF HARASSING THEM AND ALL I WANT TO DO IS GET THE XXXX DOLLAR PLAN 3 REPS MENTIONED IN RECORDING AND THEY WONT ADHERE. 

THIS PAST SUNDAY XXXX WAS GOING TO PUT ME ON THE PLAN THEN SAID NO TRANSFERED ME AGAIN TO XXXX AND THE ABUSE LIE TACTIC CONTINUES MONTH AFTER MONTH THIS IS WHAT XXXX HAS BEEN DOING BECAUSE THE REP SAID " YOU CALL HERE ALL THE TIME HARASSING PEOPLE I'M READING WHATS ON YOUR ACCOUNT ''. I ALMOST WENT INTO XXXX XXXX BEING TOLD THAT WHEN ALL I WANTED TO DO WAS PROTECT MY NAME AND HISTORY. 

BUT CFPB LISTENS TO XXXX MAKE STATEMENTS " I'M GOING TO DIE ANYWAY THEN IT CAN BE WRITTEN OFF ''. I ONLY ASKED FOR WRITE-OFF BECAUSE XXXX INTENTIONALLY FORCED MY CREDIT INTO DEFAULT TO GAIN MORE MONEY I SUPPOSE FOR THEMSELVES. 



ALL THE INFO SENT TO CFPB IS GOING TO XXXX, SOCIAL MEDIA, BLAST WHATEVER IT'S CALLED SO THIS WILL NOT HAPPEN TO ANYONE ELSE. I WROTE HERE MONTH AFTER MONTH FOR CFPB TO ALLOW ABUSE BY XXXX  AND EMAIL ME BACK " THIS LOOKS LIKE A DUPLICATE ''. I'M ILL THIS IS WRONG

Company response to consumer: Closed with explanation