Consumer complaint received 2017-06-22
Company: Bread Financial Holdings, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
PLEASE DO NOT SHARE MY PERSONAL INFORMATION SUCH AS ADDRESS. THESE PEOPLE THINK I AM LIVING IN CALIFORNIA AND CLAIM TO HAVE MAILED LETTERS WHICH I HAVE NOT RECEIVED ANY FROM THEM. I received a call on XX/XX/XXXX at XXXX from an unknown number at my work place. A woman by the name of XXXX XXXX asked for me and once I confirmed, she said that there had been a " complaint filed against my social security number and she proceeded with her disclaimer this is an attempt to collect a debt so on and so forth. She then mentioned that a Male by the name of XXXX XXXX would be calling me to discuss the details. I asked her to not call me here and provided her with my cell phone number. She politely agreed to make my personal cell phone number the only number on the account to call. I mentioned to her that I was at work, and that if I was n't able to answer, to have this XXXX guy leave me a message with a call back number and would try to call during a break. Shortly after, I received 2 missed calls. The first was from XXXX again and then from XXXX. They both were requesting a call back. I called XXXX directly since XXXX seems to be the middle person attempting to reach consumers. He started somewhat with a normal tone that quickly went south when I started requesting a mailed copy of the itemized bill for purchases made including dates and times as well as amounts and locations since I have been filing Identity Theft Affidavits with the IRS because someone used my social security number in XX/XX/XXXX-XX/XX/XXXX and the extent of the damage is still unknown and being investigated by myself. He raised his voice at me saying that this case was being filed on Monday and that there was no time to provide me with any paperwork. I continued calmly and stated that because of my IRS Affidavit filed, that I had the right to obtain that paperwork for my safety and fair claims. He continued to say that I was the irresponsible one for not being able to pay my bills and that he wished me luck and was going to make a claimer that I " refused '' to pay the debt when in fact all I asked was for proof of purchases made on that account to be able to verify before agreeing to any payments. He said there was no time for that since it was being filed on Monday XX/XX/XXXX. He hung up on me and I called him right back. He then answered as a XXXX when he had previously said XXXX. The voice message that I received clearly says he is XXXX XXXX ( I have the message as proof ). I was on my lunch break during this call which was from XXXX to XXXX. When I returned to work, my supervisor mentioned that she received a call ( verified that call was received again from an unknown number at XXXX ) from a XXXX XXXX for me. She said that I had stepped out and if she could help with anything. He then went ahead and asked to speak with my supervisor. Little did he know that he was already speaking to her. He then hung up on my boss which is also a licensed XX/XX/XXXX here.

Company response to consumer: Closed with explanation