Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am submitting this letter because, although I would prefer to have legal representation, I do not currently have the financial resources to hire an attorney. I have made every effort to provide clear evidence regarding how this debt originated, as well as the lack of assistance I received from both Comenity Bank and XXXX  XXXX. 

Since receiving the first notice from XXXX XXXX, I have made multiple attempts to contact the agency to resolve this matter. I called immediately after receiving the initial letter and continued reaching out in good faith. Unfortunately, XXXX XXXX has shown no willingness to work with me. They have repeatedly failed to acknowledge the documentation I provided, refused to negotiate, and on several occasions representatives have hung up on me or stated that unless I paid the full amount, they would just take it, which is now occurring through wage garnishment. 

In addition, per the instructions I received on Tuesday, XX/XX/XXXX at XXXX XXXX, I emailed the attorney handling the claim and submitted the full packet of documents demonstrating that this debt should have been resolved by Comenity Bank and XXXX XXXX under the protection plan I paid for monthly. Despite following their instructions and providing all supporting evidence, I have not received a single response from the attorney or the agency acknowledging or addressing the information I submitted. 
I also want to acknowledge that last year, during a period of significant personal hardship, I resubmitted all documentation but did not follow up as consistently as I should have. My father was in and out of the hospital with a terminal condition, and he passed away this XXXX. I have been helping my mother manage his affairs, supporting her financially, and traveling frequently for work while also attending school fulltime to complete my XXXX XXXX. During this time, this matter understandably fell to the wayside, though I had already provided substantial evidence supporting my claim. 

That evidence includes documentation showing that on XX/XX/XXXX, I underwent a XXXX  and, due to complications, was unable to return to work until XX/XX/XXXX. I submitted uploaded documents to XXXX  XXXX website XXXX XXXX, XXXX. Due to the size of the file they asked me to submit the remaining documents by mail which was sent out XX/XX/XXXX. Under the XXXX XXXX protection plan which I paid for monthly any XXXX under 30 days qualified for one months payment, and any XXXX over 30 days required XXXX XXXX to pay the balance in full to Comenity Bank. Despite a full year of attempting to resolve this with both companies, and despite continuing to make monthly payments with interest, no one would assist me. Ultimately, I stopped making payments in hopes that it would prompt someone to finally address the issue. 

Today, my wages are being garnished at over {$800.00} per paycheck. I bring home approximately {$2500.00} per check, and this level of garnishment will force me into nonpayment of my current financial obligations, rent, utilities, including my tuition, and will jeopardize my ability to support myself and my mother.

Company response to consumer: Closed with explanation