Consumer complaint received 2017-09-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc. (NJ)

XXXX XXXX 's company which is apparently called XXXX XXXX XXXX, initially contacted me back in the middle of XXXX in regards to a debt I had owed for a Victoria 's Secret credit card. They went back and forth with me in regards to amount I could financially afford to pay them per month and they came back with a number ( $ XXXX ) which I thought I could possibly handle. They said they would email me a contract, to review that contract, and sign and email it back to them. I foolishly had given them my bank account information prior to reading this contract, and I felt uneasy about this, so after I had gotten off the phone with this gentleman, I started investigating the company and did not feel comfortable letting them access my bank account monthly, so I declined the contract ( I do have screen shots of this ). I must have asked the gentleman on the phone, repeatedly, that if I do NOT sign the contract, there will be no funds withdrawn from my bank account in which he did reply with " correct. '' However, sure enough, on the date they had agreed to withdraw money they went ahead and took it out of my bank account. I called and disputed charges with my bank, and changed my debit card in order to avoid future charges - because I was under the impression since I had not signed the consent/contract, that they should not have been doing this. Fast forward to yesterday - XXXX/XXXX/XXXX - I received a voicemail at XXXX after XXXX missed calls from the same number, from a " XXXX XXXX XXXX basically degrading me, telling me I am a habitual liar, and a thief and a fraud and how he was going to forward all of the tapes they have of me agreeing to things over to my bank - how based on my XXXX XXXX I am a habitual offender, along with multiple " punitive charges '' - and how my Victoria 's Secret credit card must have been worth it and all of the women 's lingerie I purchased was hopefully worth this - I literally sat there listening to the message appalled that someone in a professional setting was able to say these things to me - not knowing my situation, my history or my personal life. I have saved this voicemail. I also made sure I had screen shots of me declining to review the contract/consent. I am just baffled as to where to go next. I plan on going into my bank and trying to give them all of the information I have regarding this, in case they do follow up with them and with whatever " tapes '' they have - which would also have me asking them, on more than XXXX occasion ( because I knew I was being recorded ) if I did not sign the consent, would they still be withdrawing the funds ( in which they responded with a " no '' ). Like I mentioned, I also do have screen shots of the phone number in which they called from, I saved the degrading voicemail that they left me which I believe is in violation of the debt collector harassment laws section XXXX ( XXXX ) because I was verbally called a liar, a thief and a fraud. I am a single mother, working full time, trying to provide the best I can for my son and I do n't think bullying me with verbal abuse will get anyone anywhere. I am hoping for some help, guidance and/or advice on where to turn next. I really do not want to have to be in contact, or have to contact this company or this gentleman any time soon. Thank you so very much.