Consumer complaint received 2022-01-31
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX***COMENITY BANK/XXXXEWYORK & COMPANY IS IN NONCOMPLIANCE OF REGULATION P, THE GRAMM-LEACH-BLILEY ACT, 15 USC 6801-6809***** I AM THE CONSUMER. I sent COMENITY BANK/NEWYORK & COMPANY my official notice on XX/XX/2022 to opt out of my nonpublic personal information, which means my personally identifiable financial information, from being disclosed to any and all nonaffiliated third parties of COMENITY BANK/NEWYORK & COMPANY . COMENITY BANK/NEWYORK & COMPANY continues to disclose my Nonpublic Personal Information to nonaffiliated consumer reporting agencies and resellers. COMENITY BANK/NEWYORK & COMPANY also did not provide me with a reasonable means of subsequent notice that clearly and conspicuously explained my right to opt out of COMENITY BANK/NEWYORK & COMPANY disclosing my nonpublic personal information to nonaffiliated third parties. I am now forced to COMENITY BANK/NEWYORK & COMPANY unreasonable opt out means, by only being able to exercise my right to opt out through a letter. After viewing this opt out notice COMENITY BANK/NEWYORK & COMPANY or any of its affiliates should not continue to disclose my non public information to any consumer reporting agency or any other nonaffiliated third party. Examples of my nonpublic personal information and personally identifiable financial information that should no longer be disclosed to consumer reporting agencies and any nonaffiliated third parties include but are not limited to 12 CFR 1016.3 ( q ) ( 2 ) ( i ) A-G : ( A ) Information I, the consumer, provided to you on an application to obtain a financial product or service; ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ; ( C ) The fact that I, the individual, is or has been one of your customers or has obtained a financial product or service from you ; ( D ) Any information about me, the consumer, if it is disclosed in a manner that indicates that I, the individual, is or has been your consumer ; ( E ) Any information that I, the consumer, provided to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account ; ( F ) Any information you collect through an internet cookie ( an information collecting device from a Web server ) ; and ( G ) Information from a consumer report. I expect COMENITY BANK/NEWYORK & COMPANY to adhere to Regulation P, The Gramm-Leach-Bliley Act, 15 USC 6801-6809 and any other federal regulation that is applicable. I expect COMENITY BANK/NEWYORK & COMPANY to adhere to my opt out notice of disclosing my nonpublic personal information and personally identifiable financial information immediately. COMENITY BANK/NEWYORK & COMPANY can no longer disclose any of my nonpublic personal information and personally identifiable financial information to any nonaffiliated third party. Remove my Nonpublic Personal Information from any and all nonaffiliated third parties consumer reporting agencies and resellers immediately.

Company response to consumer: Closed with non-monetary relief