Bread Financial Reviews

Three weeks or so later we received our first bill from a collection agency from within World Financial Network National Bank. We contacted WFNNB and were told that they had the wrong address and phone number but no letters (bills) were returned to them. After some research we found that all the information was right on the bill of sale from Kanes and was clearly their mistake. We also checked the address they were sending the mail to so we could ask the residents why they threw our mail out.

The searched found that this address did not exist. We contacted account manager Mr. , who told us that the mistake was theirs but we still had to pay at least eighty percent of the balance which included interest and late fees. We didn't care so much about an extra two to three hundred dollars but our credit had a black mark because of their mistake. They would not budge on removing this from our credit and told us that our credit wasn't that good anyway.

Three weeks later we received a call from WFNNB's legal department telling us that this is our fault and not theirs. We could pay eighty percent and still have this on our credit or pay the full amount and they will remove this from our credit. I told her this was blackmale and I was told to take it or go to court. My wife and I decided to just pay the minimum payment until we checked this out further and were told we could not make a partial payment only the full amount. I don't see how this can be legal.

After all this haggling we have a seven month late mark on our credit and interest and late charges are still building to the amount of almost 700 dollars.

The lady name Jody said that they didn't care and they would continue to call me at my work. I finally had to hang up on her because she was so rude. She would not let me speak and she was yelling at me. I then spoke with a lawyer and they stated that under the Fair Debt Collections Act that a collector cannot call you at work if your employer doesn't allow phone calls. I have filled a complaint with the Better Business Bureau, the Federal Trade Commision and the Attonery General's Office of Ohio. I would appreciat some action against this company's unlawful actions.

If they continue to call me at work, I can lose my job over it!