How to Stop Harassing Phone Calls from Bread Financial

Receiving harassing phone calls from Bread Financial can feel overwhelming and stressful. You might be getting multiple calls per day from Comenity Bank or Bread Financial looking for payments after you fell behind on your account.

If Bread Financial or Comenity Bank is harassing you with constant calls, federal law protects you from abusive collection practices. The Telephone Consumer Protection Act (TCPA) and Fair Debt Collection Practices Act (FDCPA) prohibit specific harassment tactics, and violations could entitle you to statutory damages.

Who Is Bread Financial

Bread Financial is a tech-forward financial services company offering payment, lending, and saving solutions. Comenity Bank and Comenity Capital Bank are Bread Financial companies that provide branded private-label credit cards, co-branded credit cards, buy now/pay later installment payments, and debt consolidation services.

Comenity Capital Bank, a wholly owned subsidiary of Bread Financial Payments, Inc., provides credit cards to consumers of various retail establishments. According to the Better Business Bureau, there have been 2,361 complaints closed in the last 3 years and 1,009 complaints closed in the last 12 months.

Bread Financial Contact Information:

• Address: PO Box 1264, New York, NY 10276-1264
• Phone: 844-992-7323

What Phone Numbers Does Bread Financial Use

Bread Financial and Comenity Bank contact consumers from multiple phone numbers. If you received calls from any of these numbers, you may be a victim of Bread Financial harassment:

This list is not exhaustive. Bread Financial might use other numbers not listed here. You might also receive text messages from these numbers. Stop automated calls and unsolicited text messages by documenting every contact you receive.

Federal Laws Protecting You from Bread Financial Harassment

Federal law shields you from harassment when Bread Financial or Comenity Bank collects debts. The Telephone Consumer Protection Act (TCPA) and FDCPA prohibit specific abusive tactics.

Bread Financial cannot:

• Call before 8 a.m. or after 9 p.m. your local time
• Contact you at work if you informed them it is prohibited
• Use harassment through repeated calls designed to annoy
• Threaten violence or use abusive language
• Falsely claim to be attorneys or court officers
• Threaten legal action they cannot or will not take
• Discuss your debt with third parties, like family or neighbors
• Engage in unfair practices like depositing post-dated checks early
• Add unauthorized interest or fees beyond what is legally allowed
• Use automated dialers without your prior consent

You have these rights even if you owe the debt. Regain your peace of mind while ensuring collectors pay for their violations.

Signs Bread Financial Violated Your Rights

Bread Financial violates federal law when they use illegal tactics to collect debts. Common violations include:

• Calling you multiple times per day
• Calling late at night or early morning
• Threatening arrest or property seizure
• Misrepresenting the amount you owe
• Leaving voicemails revealing debt details where others might hear
• Communicating about your debt on social networks like Facebook
• Falsifying paperwork claiming debt is a police or court matter
• Charging late fees when you paid on time
• Continuing to call after you sent a cease letter

If you experienced any of these violations, documenting them strengthens your case for legal action. Keep records of dates, times, phone numbers, and specific statements made during calls.

Why Is Bread Financial Calling When You Have No Account

If Bread Financial is calling you and you do not have an account with them, this may be a wrong debtor claim. A wrong debtor claim occurs when collectors call looking for someone else.

Do not ignore these calls. In most instances, calls will continue until you speak with the agency and notify them they have the wrong number. If calls continue after you tell them they have the wrong person, you may have a claim under the FDCPA and TCPA.

What to do:

• Keep records of every call, including the number, collection agency name, caller’s name, date, and time
• Request that collectors not call again and inform them that they have the wrong number
• Tell them if they continue calling, you will file a report with the Federal Trade Commission
• Document if they refuse to provide their name or employer information

How to Demand Debt Validation from Bread Financial

To demand validation from Bread Financial regarding debt they claim you owe, send a written validation request within 30 days of their first contact, requiring them to prove the debt is yours and the amount is accurate.

Your validation letter should clearly state you dispute the debt, demand written proof of the account and charges, and include your contact information. Send via certified mail with a return receipt.

Once Bread Financial receives your validation request, it must stop collection activity until providing proper documentation. If they continue calling without validation, this violates the FDCPA.

How to Stop Bread Financial Calls

To stop calls from Bread Financial or Comenity Bank, send a written cease-and-desist letter demanding that they stop contacting you. Federal law requires collectors to honor this request.

Your cease letter should clearly state you demand they stop all contact, reference your account number if applicable, and be sent via certified mail with return receipt. Once received, they can only contact you to confirm that they will stop or notify you of lawsuits.

Document each call with date, time, and phone number, even after sending the cease letter. If calls persist, file complaints with the FTC and (CFPB).

Can You Sue Bread Financial for Harassment

Yes, under the FDCPA or TCPA, if Bread Financial violates rules on harassment or automated calls, you may be eligible for statutory damages and legal fees.

Successful lawsuits can recover statutory damages up to $1,000 per FDCPA violation, up to $1,500 per illegal robocall under TCPA, compensation for emotional distress, and attorney fees paid by the collector.

Many cases settle before trial when collectors realize they violated federal law. You may be able to use their violations to your advantage by suing for compensation or negotiating a settlement.

Removing Bread Financial from Credit Reports

If Bread Financial reported debt to credit bureaus and the information is inaccurate, you can dispute it under the Fair Credit Reporting Act.

Send dispute letters to all three credit bureaus, identifying specific errors, requesting debt validation from Bread Financial, and documenting all communications. Credit bureaus have 30 days to investigate. If they cannot verify the debt, they must remove it.

Unpaid debts can hurt your credit score, but inaccurate reporting can be challenged and removed.

How Consumer Rights Law Firm Stops Bread Financial Harassment

Consumer Rights Law Firm PLLC holds Bread Financial and Comenity Bank accountable when they violate consumer protection laws. If you experienced harassment, illegal robocalls, or deceptive tactics, we can help.

Our services include:

• Investigating FDCPA and TCPA violations in your case
• Stopping harassment immediately
• Filing lawsuits against illegal collectors
• Recovering statutory damages up to $1,000 per FDCPA violation
• Seeking up to $1,500 per illegal robocall under TCPA
• Obtaining compensation for emotional distress
• Ensuring collectors pay your attorney fees when you win

Most cases are handled on contingency. You pay nothing unless you win. When Bread Financial violates federal law, they pay your attorney fees.

Call (877) 700-5790 for immediate assistance.

What Our Clients Say

Harassment Stopped Immediately

Bread Financial kept calling and sending letters about a debt I did not owe. The constant pressure was overwhelming. Consumer Rights Law Firm PLLC took over, shut down the harassment immediately, and gave me back my peace of mind.

FDCPA Violations Exposed

I realized Bread Financial was not following the rules when they continued contacting me after I disputed the debt. Consumer Rights Law Firm PLLC explained my rights under the FDCPA and fought for me every step of the way. Bread Financial had to answer for its actions, and I even received compensation.

Settlement Negotiated

Dealing with Bread Financial on my own felt impossible. They were aggressive and would not work with me fairly. Consumer Rights Law Firm PLLC stepped in, stopped the harassment, and helped me negotiate a settlement that was much more manageable.

Frequently Asked Questions About Bread Financial Harassment

1. Why is Bread Financial calling me nonstop?

Bread Financial (also known as Comenity Bank) may call repeatedly to collect a balance or past-due payment on a credit card or loan you have with them or one of their retail partners.

2. Are Bread Financial robocalls legal?

Only if you gave prior consent. Unsolicited robocalls are restricted under the TCPA. If they use an automated dialer without your permission, it is likely illegal.

3. What should I do if Bread Financial continues calling after I asked them to stop?

Document each call with date, time, and phone number. Send a written cease-and-desist letter. If calls persist, file complaints with the FTC and CFPB.

4. Can I sue Bread Financial for harassment?

Yes. Under the FDCPA or TCPA, if Bread Financial violates rules on harassment or automated calls, you may be eligible for statutory damages and legal fees.

5. Do I have to verify the debt Bread Financial is calling about?

Yes. You have the right to request written validation of the debt. Until they provide proof, they must stop collection efforts.

6. Can Bread Financial affect my credit score?

Yes. If the debt remains unpaid, Bread Financial can report it to credit bureaus, which may hurt your credit score.

7. How do I stop Bread Financial from calling me altogether?

Send a written request telling them to stop calling. If calls do not stop, file complaints with the FTC and CFPB, and consider speaking with a consumer rights attorney.