Consumer complaint received 2022-01-19
Company: Bread Financial Holdings, Inc.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was sued by XXXX, XXXX and XXXX on behalf of XXXX XXXX XXXX. XXXX claims that I owe them moXXXX XXXX XXXX XXXXnt accounts. 

XXXX XXXX : Comenity Bank ( Victoria 's Secret ) {$3300.00} Comenity Bank XXXX XXXX XXXX ) {$2900.00} Comenity Bank XXXX XXXX XXXX XXXX$3400.00} XXXX XXXX XXXX XXXX$970.00} Through extensive research I learned that XXXX  and its affiliates XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have been sued by CFPB for issues such as mine. 

XXXX  along with it attorneys continue to pursue debts collections with no legal grounds to do such. XXXX XXXX XXXX through its Attorneys XXXX, XXXX and XXXX filed multiple lawsuits against me in XXXX and XXXX which they were granted without providing any legal documentation to do so. 

I first disputed these debts on XX/XX/XXXX via email with XXXX, XXXX and XXXX. I received no response and wrote another email on XX/XX/XXXX after receiving another letter by mail from XXXX. On XX/XX/XXXX I finally received a response from XXXX XXXX from XXXX office stating that due to privacy they could only speak with me via phone. 

XXXX continued to refuse to speak with me EXCEPT for by phone. I feel that this is because they do not want the communication in writing. 

After numerous disputes and failed/ ignored request for documents bearing my signature, and proof that I have any legal obligation to XXXX  they filed suit against me in district court. 

I had never been through anything like this. I appeared the day of court with copies of all the emails showing my request and stated they had yet to provide me with any documents other than 1 page copies of statements. Unfortunately because I didn't provide these prior to court my please fell on deaf ears and XXXX was granted judgement. 

Following that they are now posting small {$10.00} or less payments on these accounts each month which are not being made by me. I feel they are falsifying payments in an effort to keep these accounts active and extend time limits. 

This company has destroyed my credit. I cant buy anything, not a car, a house, NOTHING! 

EVEN AFTER JUDGEMENT I have continued to seek proof from XXXX. I have specifically requested copies of contracts bearing my signature and was told by their employee " that I know better than to request that because everything is done online these days. '' The law specifically states I am entitled to that. 

Your agency filed lawsuit filed on XX/XX/XXXX, which stemmed from a previous investigation and broken consent order that was put into place to avoid litigation from XXXX. 

It is more than apparent that XXXX XXXX XXXX and affiliates continue to break the terms of the XXXX consent order by continuing to collect money from consumers like myself through regular collections as well as the filing of lawsuits when they do not possess the legal documents to do so. 

XXXX states that they acquired these accounts XX/XX/XXXX. That date came after XXXX consent order and before the XXXX suit filed by CFPB. 
I have continued to requested multiple times for XXXX  to provide me with proper documentation that they have a legal right to collect any monies from me. 

The ONLY documentation I have every received from XXXX  or their attorneys is a copy of final credit card statements. 

Copies of credit card statements does not prove a debt. It is also appalling that it is my LEGAL RIGHT to be provided with the documentation I have requested and being told I know better than to request such. 
XXXX XXXX XXXX has deliberately not upheld the law and sought illegal judgement against myself and countless other consumers. 

XXXX XXXX XXXX through there improper, deceitful and phony business practices has ruined my credit, which has prevented me from even being able to own a home. 

These debts have been disputed with the major breuaes countless times before any judgement was filed and following and XXXX always reports back to the bureaus that they are correctly reporting which is yet another falsified action on their part. 

I wish to have all of my accounts with company dismissed, and removed from my credit report at once. 

It is my hope that you can assist me in this matter. This company can not be aloud to continue to lie and take advantage of consumers. 

Any help with this matter would be greatly appreciated.

Company response to consumer: Closed with explanation