After several attempts to communicate with XXXX, a complaint was filed with the CFPB. XXXX offered a response. Once receiving the attached response, I attempted to contact the author of the letter or the department. I was informed, the gentleman who authored the letter was not able to take calls. I was referred to the Bankruptcy  Department and someone would return my call. To date, no return calls have been made. 

I take issue with several points of XXXX response. 

This account was DISCHARGED in a bankruptcy case under my husband 's name. This is clearly legal in the state of Louisiana as we are a COMMUNITY PROPERTY STATE. Although, I made application for the credit card and solely responsible, the funds are community property, therefore the reason why it was discharged. My attorney provided the law for which the credit card debt was discharged. The bankruptcy court notified XXXX of the debt and offered a change for them to contest the debt, for which they did not. 

11 USC 524 ( a ) ( 3 ) .... If only one spouse files for protection, the NON-FILING spouse will also benefit by the bankruptcy since the discharge of debts include community claims and prohibits creditors from proceeding again community property acquired post-petition, even as against a non-debtor spouse. 

( all other companies have adhered to this discharge, EXCEPT XXXX XXXX. XXXX was notified via a certified letter from my XXXX on XXXX. Their XXXX, XXXX XXXX, XXXX was also notified on XXXX XXXX, XXXX. XXXX XXXX ceased collections and notified XXXX of the bankruptcy. XXXX XXXX has had no further contact with us. 

The response to my complaint states, the account was charged off on XXXX XXXX, XXXX, but yet they and their reprentatives continued to pursue us for the balance of the debt. Their response states, in paragraph 4 they ceased collection effects. This again in fact, is not true as my attorney had communication with their attorney,  XXXX XXXX in XXXX. They continued to also report to the credit bureaus the balance and XXXX days late ( comments indicate more than 180 days past due- Max delinquency XXXX/XXXX/XXXX ). 
Their response states, they discontinued XXXX XXXX, XXXX reporting past due, when in fact our credit report in XXXX XXXX shows the report with a past due balance, and 180+ days past due ). 

Their response indicates on XXXX XXXX, XXXX, a XXXX was generated, for which we have NEVER received. the response also states the credit report was updated to reflect the account charge off with a XXXX balance. As of XXXX XXXX, the balance was still showing and being reported as past due 180 days. 

How is it that XXXX does n't have to abide by bankruptcy laws. We had one other credit card that was involved in the bankruptcy and the company abided by the bankruptcy laws and noted the credit report appropriately " Bankruptcy '' and removed all account information. 

We are not requesting anything more than what we are entitled to within the limits of the bankruptcy laws. The fact, we have attempted to communicate with XXXX and have been brushed off or received extremely rude treatment, is completely unacceptable. The phone number offered in the response is of no use. I contacted the number and was told no one in the office would be able to assist. Our contact information was taken and told someone would call back. No call backs have been received. 

I again, am attaching documentation of the bankruptcy showing the debt was discharged, the letters to both XXXX and their attorney. All call from the company would be greatly appreciated to have a conversation without being demeaned. 

You can clearly see by our credit reports, we are not individuals who run from our debts. This particular case was out of our control. In 30 years, all of my debts except the 2 included in bankruptcy have been paid in full and ON TIME. This was a medical situation and loss of income which caused this small debt to be unpaid. 

I can be reached at XXXX. 

Thank you, XXXX XXXX