Consumer complaint received 2021-12-26
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Re : Reference Number XXXX Notice to all, I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof or the surname/given name ******, and I have been appointed and accept being the executor both public and private for all matters proceeding, and hereby claim that I will d/b/a ******* and autograph as the agent, attorney in fact, so be it ; Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I dispose the following facts, so be it, now present : Fact, the Equal Credit Opportunity Act and the Consumer Credit Cost Disclosure are intended to secure my right to credit. My rights have been denied and Comenity Bank has discriminated against me so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of fraud and theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Comenity Bank violated 15 U.S. Code 1642, 15 U.S. Code 1602p and 15 U.S. Code 1691. 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Comenity Bank violated 15 U.S. Code 1642 violate federal law because I made an application, but credit was not issued. Comenity Bank denied me credit. 

Fact, affiant is aware and has proof in pursuant to 15 U.S. Code 6802, Comenity Bank may not report my nonpublic personal information as this statement confirms my request to OPT OUT. This means, I am requesting all inquiries and any other information regarding my relationship with Comenity Bank be deleted permanently from all consumer reporting agency databases including but limited to XXXX, XXXX, XXXX and XXXX XXXX. 


proof pursuant to 15 U.S. Code 1605 that a finance charge was involved because my social security number was used. 

Fact, Affiant is aware and has proof pursuant to 15 U.S. Code 1602 that the use of my credit card ( social security card ) in this consumer credit transaction ( application for credit ) is unauthorized use because I received no benefit. 

Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1681b that Comenity Bank fraudulently obtained my nonpublic personal information from XXXX because I did not provide either corporation with written instructions to furnish my consumer report to Comenity Bank. Also, I did not provide Comenity Bank with written instructions to retrieve my consumer credit report. 

Fact, Affiant is aware and has proof pursuant to 15 USC 1611, Comenity Bank is criminally liable for violating 15 USC 1602 and 15 USC 1605 because I received no benefit. Also, a finance charge was involved in the consumer credit transaction I initiated on XX/XX/2021 but there was no mention of a check being mailed to me, the original creditor, for a finance charge in the adverse action letter I received. 

Fact, affiant is aware and has proof pursuant to 15 USC 1691, Comenity Bank, can not deny me the credit I requested. XXXX XXXX XXXX, XXXX. has discriminated against me for exercising my right to credit. 

Fact, affiant has identified your Georgia registered agent. If Comenity Bank fails to comply with federal law and meet my demands, affiant will seek legal action in a court of law.

Company response to consumer: Closed with explanation