Consumer complaint received 2017-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
COMPLAINT AGAINST XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : VIOLATIONS OF THE FDCPA TO WHOM IT MAY CONCERN I HAVE RECEIVED 2 CALLES PREVIOUSLY FROM AN UNAVAILABLE PHONE # AND I ASKED WHO THIS WAS AND THEY STATED IT WAS XXXX XXXX XXXX BOTH TIMES. I HUNG UP ON THEM BECAUSE I DID NOT KNOW WHO THEY WERE AND I THOUGHT IT WAS A TELEMARKETER. THEN AFTER THE CALLS I RECIEVED A LETTER FROM THEM STAING THAT THEY WOULD GIVE ME A HARDSHIP ARRANGEMENT FOR A PAST DUE BALANCE. HOWEVER I COULD NOT CONTACT THEM BECAUSE I HAD MAJOR XXXX AND WAS RECOVERING FROM THAT AND ALSO WAS XXXX BY A XXXX  WHILE WALKING TO A PARK. ON THURSDAY XX/XX/XXXXAT XXXX XXXX I RECEIVED A CALL FROM AN UNAVAILABLE PHONE # AND THE PERSON STATED HE WAS CALLING FROM XXXX XXXX AND HIS NAME WAS XXXX. I THEN STATED I RECEIVED YOUR LETTER BUT BEFORE I COULD TELL HIM WHAT HAVE HAPPEN TO ME STATED THAT NEVER MADE PAYMENTS AND SAID WILL THAT BE A CREDIT OR DEBIT CARD. I THE ASKED HIM IS XXXX YOUR REAL NAME OR IS IT AN ALIAS. THEN STATED I USE AN ALIAS TO PROTECT ME FROM CREDITORS. ( CONSUMERS ) BECAUSE OF MY 20+ YEARS WITH KNOWLEDGE OF THE FDPCA I ASKED HIM YOU ARE SUPPOSE TO IDENTIFY YOUR FULL NAME, VERIFY THAT YOU ARE SPEAKING WITH THE RIGHT PERSON AND STATED TO HIM THAT COULD BE MY SON WHO HAS THE SAME NAME, AND VERIFY MY ADDRESS, DATE OF BIRTH, THE LAST 4 DIGITS OF MY SSN ''. ALSO HE FAILED TO DISCLOSE THE MINI MIRANDA. I STATED THAT THIS IS ON THE LETTER THAT WAS SENT TO ME AND STATED IT TO HIM 'THIS IS AN ATTEMPT TO COLLECT A DEBT FROM A DEBT COLLECTOR AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. I ALSO STATED TO HIM IS THIS CALL BEING RECORDED AND XXXX XXXX STATED YES. THEN I ADVISED HIM YOU HAVE TO DISCLOSE IF YOU ARE RECORDING THIS CALL. I THEN STATED YOU ARE VIOLATING THE FDCPA. I STATED YOU HAVE TO BE IN COMPLIANCE AT ALL TIMES. THEN HE STATED WILL THAT BE A DEBIT OR CREDIT CARD. I ASKED TO SPEAK WITH HIS MANAGER OR SUPERVISOR AND HE REFUSED 2XX. HE THEN STATED " DO YOU PAY YOUR BILLS '' AND STATED TO HIM YOU CAN NOT STATE THAT TO ME AND TOLD HIM THATS AGAINST THE FDCPA AND HE ASKED IF I HAD AN ATTORNEY AND I STATED I DO. I THEN ADVISED HIM TO REMOVE ALL MY PHONE # AND NOT COMMUNICATE WITH ME AGAIN. THEN I TERMINATED THE CALL. I WAS VERY UPSET AND STRESSED OUT BECAUSE OF WHAT I WAS GOING THROUGH AND TO HAVE SOMEONE WORKING FOR A COMPANY TO MAKE MY SITUATION WORSE AND TALK TO CONSUMERS LIKE THAT. I THEN CALLED BACK FROM THE PHONE # ON THE LETTER XXXX AND XXXX AND ASK TO SPEAK WITH A MANAGER IN THE COLLECTION DEPARTMENT. HE THE STATED HIS NAME WAS " XXXX '' AND HE VERIFIED ALL MY INFORMATION BEFORE I TALKED TO HIM. I THEN REPEATED EVERYTHING THAT YOUR EMPLOYEE XXXX SAID AND WAS NOT IN COMPLIANCE. XXXX XXXX THEN STATED TO ME THAT I WAS DEFINITELY CORRECT AND APPOLGIZE AND WOULD DOCUMENT WHAT HE STATED. I THEN ASKED IF XXXX XXXX DOCUMENTED MY CALL ANS HE STATED NO HE DID NOT. I THEN ASKED TO BE TO THE MANAGER OF THAT DEPARTMENT. HE STATED HE WOULD TRANSFER ME TO XXXX. HE ASLO STATED THAT HE WOULD BRING THIS UP TO HIS SUPERVISOR. HOWEVER INSTEAD OF THE MANAGER I GOT A PERSON NAMED XXXX XXXX AND ASKED SHE WAS THE MANAGER AND SHE STATED NO. THEN I WAS SHOCKED AND UPSET FOR THE SECOND TIME. I ASKED FOR HER NAME AND SHE SAID IT WAS XXXX XXXX SHE ASKED MY NAME AND SHE BRANG UP MY ACCOUNT AND SAID YOUR ACCOUNT IS PAST DUE. I THEN STATED DID N'T YOU READ THE NOTES AND I ALSO STATED THAT EACH TIME I AM TRANSFERED TO A DIFFERENT PERSON YOU HAVE TO VERIFY WHO I AM AND BE IN COMPLIANCE AND DISCLOSE THE MINI MIRANDA. I THEN ADVISED HER TO TRANSFER ME TO THE MANAGER NAMED XXXX. I THEN SPOKE TO XXXX XXXX AN AGAIN WAS SHOCK AND UPSAT. I TRIED TO TELL HIM TO BRING UP MY ACCOUNT AND I GAVE HIM MY NAME AND HE HAD MY ACCOUNT UP AND ASK WHAT DO I WANT. I ASKED HIM TO PROCEED KNOWING HE HAD MY ACCOUNT AND MY NAME I ADVISED I AM MAKING A COMPLAINT ABOUT YOUR COMPANY AND YOUR EMPLOYEES AS WELL AS YOUR SELF FOR VIOLATION OF THE FDCPA. I STATED TO HIM THAT THEY FAILED TO VERIFY MY INFORMATION AND BE IN COMPLIANCE. HE THEN STATED THAT IN THE STATED OF OHIO WE HAVE TO DO THAT IF YOU CALLED IN AND WE DO NOT HAVE TO IF WE CALLED OUT. I WAS IN SHOCK AND ADVISED HIM THAT HE VIOLATED THE FDCPA AGAIN AND I WILL BE FILING A COMPLAINT WITH THE ATTORNEY GENERALS OFFICE AND THE CFPB AND NOT TO CALL ME ANYMORE AND CONSIDER THIS ACCOUNT PAID IN FULL AND THEN I TERMINATED THE CALL. I THEN CONTACTED THE COMPANY THEY REPRESENT XXXX XXXX XXXX AND SPOKE TO XXXX AND GAVE HER ALL THE INFORMATION THAT OCCURED WITH XXXX XXXX XXXX AND ASKED ME IF WE HAVE PERMISSION TO HAVE ONE OF OUR MANAGERS TO CALL BACK AND I STATED YES BUT I STATED TO HER I WAS STILL FILING ALL THE COMPLAINTS. SHE THEN STATED THAT THEY HAVE TO BE IN COMPLAINCE AND WILL GIVE THIS INFORMATION TO A COMPLIANCE MANAGER. I WILL BE PURSUING THE FOLLOWING 5 COMPLAINTS AGAINST 4 DIFFERENT DEPARTMENTS AND 6 COMPLAINTS AGAINT XXXX XXXX 1. CALLING FROM AN UNAVAILABLE PHONE NUMBER ON MY CELL PHONE.
2. NOT GETTING PERMISSION TO CALL ME ON MY CELL PHONE. 3. NOT VERIFING THE CORRECT PERSON 4. NOT ADVISING ME THAT THE CALL IS BEING RECORDED 5. NOT DISCLOSING THE MINI MIRANDA 6. HARRASMENT FOR THE STATEMENT MADE " DO N'T YOU PAY YOUR BILLS ''

Company response to consumer: Closed with monetary relief