Consumer complaint received 2023-11-24
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
NOTICE OF DEFAULT and OPPORTUNITY TO CURE Notice to Principal is Notice to Agent / Notice to Agent is Notice to Principal Sworn Statement Affidavit FROM : XXXX XXXX XXXX XXXX Way XXXX, GA XXXX TO : Comenity Bank XXXX XXXX XXXX XXXX, Ohio XXXX DATE : XX/XX/2023 VIA : Certified Mail # XXXX RE : Loan Account # XXXX hereinafter Loan This is a Notice of Fault and Opportunity to Cure upon the presentments enclosed within the Certified Mailing, received by the COMENITY BANK on XX/XX/2023 and as evidenced by Certified Mail # XXXX. 
By the terms and conditions of the agreement contained in that document, since XXXX XXXX disputed the alleged debt, COMENITY BANK was under obligation to timely and in good faith provide full validation and verification by providing the promissory note and signed contract with my two wet signatures of the debt under penalty of perjury within twenty ( 20 ) days pursuant to UCC and FDCPA or request an extension of time. Instead COMENITY BANK provided a black credit card agreement with no signature. 
The COMENITY BANKs failure to honor the offer places COMENITY BANK at fault. This is the XXXX XXXX 's good faith offer to extend the time by an additional five ( 5 ) days from date of delivery to give the COMENITY BANK an opportunity to cure COMENITY BANK Bank 's fault, to make the required presentment and to cure COMENITY BANK Bank 's fault.

Should the COMENITY BANK fail, refuse or neglect to respond to this Notice of Fault and Opportunity to Cure, XXXX XXXX will enter a Notice of Default, as second witness, upon the COMENITY BANK. 
Of this presentment the COMENITY BANK should take due Notice and heed, and govern oneself accordingly under the FCRA regulations. I will have all rights to sue COMENITY BANK for willful non-compliance and seek economic and emotional damages under the FCRA and contract law regulations.

If COMENITY BANK Bank can not validate and verify with a promissory note and contract with my two wet signatures, then COMENITY BANK Bank needs to delete and remove this account from my credit profile, because it is ruining my credit worthiness to purchase a home.

Fault : " American Law - Negligence ; an error or defect of judgment or of conduct ; any deviation from prudence, duty, or rectitude ; any shortcoming, or neglect of care or performance resulting from inattention, incapacity, or perversity ; a wrong tendency, course, or act ; bad faith or mismanagement
; neglect of duty. '' Blacks Law Dictionary, 4th Edition, page 738.

Default : " By its derivation, a failure.. An omission of that which ought to be doneSpecifically, the omission or failure to perform a legal dutyThe term also embraces the idea of dishonesty and of wrongful act. '' Ibid, page 505.

Promissory Note : Blacks Law Dictionary A written promise to pay a debt by a specific date. It can be turned to cash by transferring it to another party.

NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence Sincerely and with all rights reserved,

Company response to consumer: Closed with non-monetary relief