Consumer complaint received 2022-04-30
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear CFBP Team, XXXX XXXX XXXX XXXXXXXX sued me through XXXX, XXXX and XXXX aka XXXX XXXX XXXX XXXX for the account of Ann Taylor Mastercard/Comenity Bank ending XXXX for {$2700.00}. Matter # XXXX File for this case is # XXXXXXXX XXXX. They are not the original creditors but debt collectors. Please note I never seen the full chain of titles/complete bill of sales and review the statute of limitations.. In addtion, this is my third year of unemployment on and off. Ending sick and several debts. It was out of my control the changes of circunstances. Lost my car too by breakdown. I have seek legal assistant through XXXX for advice. They could represent me for a day. But since this was a long process of back and forth with the plaintiff I decided to negotitated. I feel it was a mistake. When I went to the court first citation XX/XX/XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Plaintiffl lawyer pulled me over and offered me a settlment of {$2300.00} amount to settled the account. It was pretty high for me since I am unemployed. Orignallly the balance was {$2700.00}. I told him I am not working at the present time, but decided to offer him {$900.00} to settled the account without looking at the full chain of titles and the statutes of limitations. He then told to send them the harship of unemployment document and to call themfor the settlement offer {$900.00}, for the office to review. I have sent this info via cerity mail. Then I have called them to follow up and when I spoke with the receptionist she was asking full amount. I told her that was not I spoke in court with plaintiff lawyer. XXXX then provided me an ext for a Manager. Once I have tranfered, I was sent to the VM. I have called several times but I was sent to the VM. I didnt heard since from them until I follow up on the second court citation XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX met the plaintiff lawyer again sayed the that office rejected the offer of {$900.00} and rejected the harship doc and they will accept the amount of {$2100.00} to settled the case. I accept the offer under my unemployment circunstance and several other debts on the side. SInce I am accepting the officer, I told the plaintiff lawyer I want to request in court Stipulation of Settlmenent Agreement. The judge gave me 30 days to pay this. In addtion, once the stipulaiton settlment agreement was reviewed in front of the judge I did request to add the account since was not there but the file # and making sure the deletion of AnnTaylor/Comenity ending XXXX is included. They gaved me 30 days. I have borrowed the money from my mother and sent them the settlement payment via Certify Mail using a XXXX  Check. I have able to confirmed that they not only received the settlement payment check on XX/XX/XXXX at XXXX, but the check was immediatelly cashed after investigate with XXXX  check cashing. As of today they did not remove this account from all my credit reports. They did not keep their word by court that they were going to delete this account from all my credit reports once the FINAL PAYMENT is received. That never happened. The account still reflecting in all my credit reports hurting my score. After all my sacrifices and efforts to solve this account., They did not keep their word by court that they were going to delete this account from all my credit reports after payment. I have also find out this is an expired an account. The creditor or debt collector can't sue a debtor to collect the debt. In addtion by the law I am exempt due to unemployment. Also in XX/XX/XXXX, XXXX. XXXX XXXX signed a new legislation to cut the statute of limitations from six years to three years. Technically this account passed the statute of limitations and should be delete it from all credit reports besided that this already been settled and in court request deletion of this account. Please see the enclosed proof of Stipulaiton of Settlement Agreement including court documents, tracking and copy of check for your review. It is putting in a position to file a bankrupcy as a final. This is the reason that I have no more choice but to report it to the FTC and CFPB. 
A banrupcy is in mind to erasing this through XXXX XXXX bankruptcy and starting again.

Company response to consumer: Closed with explanation