Consumer complaint received 2019-03-01
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have several credit cards with XXXX XXXX. This is my first time EVER be past due for the XX/XX/2019 payment. I started receiving call from XXXX XXXX starting on Friday - XX/XX/2019 at XXXX ( pst ). I explained to the representative that unfortunately my mother passed away and I need time to make a payment. The representative was so rude, she said but that does not give you an excuse not to make the payment. I was so irritated and told her, up until now I have NEVER been late on my payments. She said it does not matter. I hung up. Within 20 minutes, I received another call from XXXX XXXX and this representative asked me the same question about my past due account and when will I make a payment. I told him I just talked to a representative 20 minutes okay, he said, oh well, no record. I told him again about my mother passing, he said, so will you make the payment today or on what date, totally ignoring what I had said. I hung up. Since XX/XX/XXXX, from XXXX ( pst ) until XXXX ( pst ), every day, I receive OVER 20 calls, sometimes 5 calls within 20 minutes, including hang ups when I am at work and forward to my voicemail, as well as at least 15 voicemails, from XXXX XXXX calling from either restricted number, or ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. I understand owe a XX/XX/2019 payment. But to call me over 20 times a day, sometimes calls in 20 minutes, totally disregard what I am saying, although the website for my credit card payment says to call and they will help if I am having trouble making a payment. Both representatives I have spoken too, including two today-XXXX, which while I was on the phone with one representative from XXXX, another call came in, I answered, it was another representative asking me the same thing - payment. When I told her that I was on the phone with another representative from her company, asking her to please make a note, she said fine. Asked me when will I make a payment, explained again my mother passed so I just need a moment to get things together, she said, oh well, so the payment will be today or??. I asked her did she hear what I said, told her she was rude and insensitive, she said oh well and said have a nice day and she hung up. Within 5 minutes, I received 4 calls from XXXX XXXX. My mother just passed on Thursday-XXXX XXXX. I just need a moment to get things together. Again, I have NEVER been late at all. As I have been writing this to you today - XX/XX/XXXX, starting at XXXX ( pst ), XXXX XXXX has already called me 6 more times. Today, that makes 20 times of them calling me already. Please help..this is just really beyond harassment and a very difficult time in my life. Their website says to call for assistance, but NONE of the representatives listened to anything about my mother passing. They totally were rude and insensitive. One representatives even had the nerve to say sorry for you and your family and then said so you will be making the payment today? All these phone calls while I am at work and filling up my voicemail, and continuing to call within sometimes 5 minutes of the previous call, again, already 20 calls today, is beyond harassment. PLEASE HELP!!

Company response to consumer: Closed with non-monetary relief