How to Stop Harassing Phone Calls from Bread Financial!

Are you receiving harassing phone calls from Bread Financial? Have you recently fell behind in making your payments and Bread Financial continues to call you, day after day looking for a payment? Are you stressed out and wondering how you can get the calls to stop? At Consumer Rights Law Firm, we help consumers put an end to the harassing phone calls from Bread Financial. We understand how stressful this can be. Bread Financial harassment could be a violation of the Telephone Consumer Protection Act (TCPA) as well as the Fair Debt Collections Protection Act (FDCPA).

If you have taken a loan from your original lender and are unable to pay it back, creditors are within their rights to initiate action for debt recovery. However, there are certain guidelines and certain practices that debt collectors are prohibited from engaging in. If the original lenders break the law, you may be entitled to statutory damages.

Is Bread Financial charging you late fees? 

Have you ever paid your bill over the phone with a live agent and were still charged a late fee when you were on time? If you feel as though Bread Financial is charging you late fees and you should not be held responsible, then call us now at (877)700-5790.

Are they calling you many times per day? If you are frustrated, then call and speak to one of our intake specialists.

Are you having issues with settling disputes with Bread Financial?  If any of these issues are happening, feel free to contact our office now.

Who is Bread Financial?

According to their website, Bread Financial is a tech-forward financial services company that offers simple, personalized payment, lending and saving solutions. We create opportunities for our customers and partners through digitally enabled choices that bring ease, empowerment and financial flexibility. Comenity Bank and Comenity Capital Bank are Bread Financial Companies. Bread Pay and Bread Loans are a suite of loan products made by Comenity Capital Bank, a Utah state-chartered bank, Member FDIC.

According to the Better Business Bureau Bread | Better Business Bureau® Profile (bbb.org) Comenity Capital Bank, a wholly owned subsidiary of Bread Financial Payments, Inc., provides branded private-label, co-branded credit cards, and proprietary credit cards to consumers of various retail establishments, buy now/pay later installment payments, debt consolidation, and savings accounts and certificates of deposit products and services.

Bread Financial is located at PO Box 1264 New York, NY 10276-1264. Their phone number is 844-992-7323. Their website is Bread Financial 

There have been 2,361 complaints closed out in the last 3 years. There have been 1,009 complaints closed out in the last 12 months.

What constitutes Bread Financial harassment?

If your creditors’ calls are stressing you out and causing distress and trauma, then you are facing harassment. There are also specific actions that are not allowed and if the creditor is indulging in them, it constitutes harassment. This behavior includes:

  • Debt collectors are prohibited from contacting you at any time of the day, including late at night or early morning. Visiting you at places you have not allowed access to, such as your workplace or residence.
  • Debt collectors cannot make threats of harming you in person or abusing you over the telephone verbally.
  • Debt collectors cannot threaten you with legal action which may not be applicable to your case at all.
  • They are also not allowed to misrepresent the truth about your debt; intentionally providing you with false ‘information’ regarding the debt you owe.
  • Third-party debt collectors are prohibited from passing on information about your debt to another person, or informing the person who answers the phone or your door about your debt. Leaving a message regarding details of your debt with friends, relatives, or unauthorized persons.
  • Your original lender or third-party agent must inform you that the responsibility of collecting your debt has been handed over to a debt collection agency.
  • Communicating about your debt on social networks like Facebook is strictly prohibited.
  • Falsifying paperwork that scares you into believing that your debt is now a police or court matter is an offense.
  • Debt collectors should not suggest ways in which you can pay off the debt (including selling your home or taking on another line of credit) without your permission.
  • Debt collectors are prohibited from misrepresenting their identity by posing as an officer of the court.
  • They are not allowed to issue threats to have you arrested or to take away your property for the fulfillment of the debt.
  • Debt collectors are discouraged from engaging in unfair practices, such as depositing a post-dated check before the due date.
  • Debt collectors cannot collect interest or fees that are above the debt they owe if this amount is not sanctioned by the law.
  • In the case of a bank loan, it also constitutes harassment if the collection agents are using bank numbers to make phone calls for debt recovery.

 

Why is Bread Financial calling me when I do not have an account with them?

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 is when a debt collector or bank calls a consumer looking for someone else. The first instinct is to ignore the phone calls, however in most instances the calls will continue until you speak with the agency and place them on notice that they have the wrong phone number and to stop calling. If the calls continue after you tell the agency they have the wrong number, you may have a claim under the FDCPA & TCPA. Here is what you should do.

1. Keep Records

Every time you get a debt collection call for someone else, make sure to note the number the person called from, the name of the collection agency and the person’s name. While the caller isn’t required to give you their name, they do have to give you the name of their employer under the Fair Debt Collection Practices Act. It’s also a good idea to write down the date and time of the call, so you have a record of the frequency if you need to pursue legal action for harassment.

2. Request That the Collector Not Call Again

While this may seem obvious, many people just hang up on debt collectors once they find out who’s calling. But simply asking them not to call again can go a long way. Make sure to tell them that they have the wrong number. If they call again after that, let them know if they continue calling, you’ll file a report with the Federal Trade Commission.

 

Bread Financial Phone Numbers

Are you receiving calls from the following phone numbers? If so, you may be a victim of harassment from Bread Financial.

913-312-3221, 614-534-2527, 801-438-8430, 800-695-7444, 714-729-5385, 614-729-6088, 303-255-5109, 720-728-3218, 614-212-7504, 614-729-6090, 833-541-0148, 614-212-5291, 720-372-5725, 303-209-5564, 720-456-3692, 614-729-6815, 855-957-3119, 913-677-8323, 877-475-3483, 888-865-0828, 703-255-8062, 913-563-5507, 614-729-5385, 720-456-3768, 800-695-0019, 513-707-6994, 614-754-4074, 913-312-0548, 614-212-5166, 614-212-7056, 913-312-5098, 913-563-5523, 720-456-3706, 614-729-6594, 614-754-4137, 913-677-8324, 800-365-2024, 800-201-4955, 720-456-3688, 720-456-3713, 720-456-3696, 877-285-4015, 888-332-4728, 208-719-3273, 720-456-3708, 913-312-9495,

You may be a victim of Bread Financial phone harassment.  The list above is not all the numbers that Bread Financial uses. The calls can be from different phone numbers and still be Bread Financial calling you. Cardholders might also receive text messages from these numbers in relation to collecting credit card debt. Stop the automated calls and unsolicited text messages. Bread Financial Phone Harassment is a violation of the Telephone Consumer Protection Act which would be illegal. Regain your peace of mind while ensuring the debt collectors pay for their willfulness. Contact our office right away so we can start the process to stop Bread Financial from calling you illegally. No one should live with harassment!

About Us

Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. If you are currently facing harassment or are interested in learning more about how to protect yourself from Bread Financial Phone Harassment, call us at (877)700-5790 for immediate assistance.

https://www.consumer.ftc.gov/articles/debt-collection-faqs

New York Attorney General

Consumer Financial Protection Bureau

Last Updated on December 7, 2023