Consumer complaint received 2022-07-06
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent XXXX XXXX XXXX a written request to validate my alleged debt having account no. COMENITY BANK Accounts # XXXX, XXXX, XXXX, XXXX, XXXX, which was received by XXXX XXXX offices by Certified Mail # XXXX on XX/XX/XXXX, XXXX requesting the following : 1. Agreement with your client that grants you the agent authority to collect on this alleged debt. 
2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay COMENITY BANK , and or an agreement showing I agree to pay a creditor and or their agent. 
3. A copy of your oath of office confirming you are not violating 15 USC 1692 ( e ) 3 and establishing your legal standing to collect anything from me.

4. Any insurance claims been made by any creditor regarding this account.

5. Any judgments obtained by any creditor regarding this account that gives you the right to collect anything from me.

6. Name and address of alleged original creditor.

7. Name on file of alleged debtor.

8. Alleged account number.

9. Address on file for alleged debtor.

10. Amount of alleged debt and what it is for.

11. Date this alleged debt became payable.

12. If the account is charged off, the date of original charge off or delinquency.

13. Verification that this debt was assigned or sold to collector.

14. If this debt has been assigned to collector, please provide the commission amount if collection efforts are successful.

15. If this debt has been sold to collector, please provide the price for which it was sold, and proof of sale. Include all trailing documents identifying the SELLER you purchased it from and ALL PREVIOUS OWNERS.

16. A true and correct copy of the transfer instrument that was used to transfer the initial outstanding balances from this alleged account into the Special Purpose Entity ( SPE ) trust, as described on the FDIC website above.

17. Agreement between your agency and I of any contractual or debtor/creditor arrangement.

18. Complete accounting of alleged debt showing how you specifically calculated the entire amount of what you say I owe.

19. Copies of any and ALL account level documents that show I agreed to pay what you say I owe to include original WET INK signatures. 

I received a correspondence from XXXX XXXX  dated XX/XX/2022 : Stating their account notes and information from the previous creditor was accurate. 

I sent a second request, Notice of Non-Compliance Demand for Validation and Proof of Claim which was received by XXXX XXXX XXXX office by Certified Mail # XXXX Delivered on XX/XX/XXXX, XXXX Requesting the following : The debt validation responses dated XX/XX/2022 is incomplete and not debt verification & validation at all. Please satisfactorily respond to my request for debt verification & validation dated XX/XX/2022. 

I received a correspondence from XXXX XXXX XXXX  dated XX/XX/2022 : Stating their account notes and information from the previous creditor was accurate. 

I received a correspondence from XXXX XXXXXXXX XXXX dated XX/XX/2022 : Stating their account notes and information from the previous creditor was accurate. 

I received a correspondence from XXXX XXXXXXXX XXXXXXXX  dated XX/XX/2022 : Stating their account notes and information from the previous creditor was accurate

Company response to consumer: Closed with explanation