Consumer complaint received 2021-10-28
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent XXXX 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 depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done COMENITY BANK/VICTORIA SECRET can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If COMENITY BANK/VICTORIA SECRET reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX and XXXX. 
Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge To whom this may concern, I, XXXX XXXX XXXX, Executor and Paramount Title Holder to XXXX XXXX XXXX Estate, am in receipt of a letter from your office alleging ( in my estimation ) a Fraudulent Debt dated XX/XX/XXXX and XX/XX/XXXX. I have not been presented with any affidavit nor any Commercial Affidavit/True Bill in Commerce which would validate your claims and/or Assessment. It is therefore, my best and considered judgment that no such documentation and/or Affidavit exist. If what you claim is based upon any substantiated and/or verifiable evidence, I demand that said evidence be produced and presented to me for my inspection. 

I further demand from your office a complete record of all books of accounting and legers evidencing any Loss or Harm sustained by your office for providing the undersigned with any alleged services, including but not limited to, any and all contracts compelling my performance in accordance with said contracts. Please take notice, I require that all contracts must bear my wet blue ink signature, seal, and be certified for my inspection. 

In the event of your failure to provide said documentation, this respondent demands that all alleged debts be properly recorded and officially acknowledged within your records and any other agencies as non-existent, including but not limited to, all debt collection and/or credit reporting agencies. 

If it be your offices ( or any agent acting on behalf of your office ) determined intention to Dishonor my wishes in this regard ( e.g. Persistence in extorting monies from me or my Estate ; in violation of Title 18 U.S.C 41, 872, 875, 876, 1341, 1346 ), I will be left with no other recourse except to file a Criminal Complaint ( via the Attorney Generals Office ), a report of Mail fraud ( via the XXXX ), and a Commercial Lien ( via XXXX XXXX Financing Statement ) against your office, as well as any and all agents acting in concert, jointly and severally in your office capacities as well as your private capacity. 

Any refutation of the aforementioned and/or the following issues must be done so, on and for the public record, in writing, by way of a sworn Affidavit, signed in the rebutting partys XXXX XXXX XXXX XXXX under penalties of the Law, including but not limited to perjury. An assessment of {$5000.00} for each issue and occurrence of perjury, false, misleading, unproven statements, assertions or information shall be deemed due and owning upon the claimant. No other refuting documents will be accepted. Failure to respond within 21 calendar days will constitute a complete agreement and Estoppel. 

Re : Immediate Cease and Desist Demand By, XXXX XXXX XXXX Dear COMENITY BANK/VICTORIA SECRET, It has come to my attention that you have disseminated and published defamatory, stigmatizing, disparaging, and false statements of alleged facts to one or more individuals and/or entities [ i.e. Credit reporting agencies ]. Doing so has caused and will continue to cause irreparable harm to me, my reputation and my Estate. Your dissemination and publication also entail confidential, proprietary, personal information which you have no rights to possess, communicate, or convey to anyone. 

As such, your inappropriate and unlawful actions have substantially impaired me in my ability to conduct business and services to the public. Your actions have caused and will continue to result in lasting and irreparable harm and damages to me, my reputation, and my Estate. Moreover, it is clear from your continued and unnecessary conduct that you have acted with actual malice. 

Please take notice that demand is hereby made that you immediately cease and desist from further slander and Libel of me and my Estate. 

Please take further notice that should you fail to comply with this demand, I will be compelled to pursue potential legal action against you seeking injunctive relief, substantial monetary damages, including, but not limited to, special, punitive, and compensatory damages, attorneys fees, and all additional remedies, relief, and penalties by law or equity, to the fullest extent permitted by law. The foregoing is submitted without prejudice and with full reservation of all rights and remedies irrespective of whether they are stated herein.

Company response to consumer: Closed with non-monetary relief