Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
PUBLIC THIS IS A PUBLIC COMMUNICATION TO ALL Notice to agent is notice to principal Notice to principal is notice to agent Applications to all successors and assigns All are without excuse Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX I, XXXX XXXX XXXX requested debt validation via certified mail on XX/XX/XXXX to : Comenity Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX US . I have receipt that the letter was received by Comenity Bank on XX/XX/XXXX. In this letter, I gave XXXX days notice for Comenity Bank to respond and provide me with the information that I requested. Additionally, I requested that Comenity Bank cease all debt collection efforts, to include but not limited to : telephone communications, email communications, and text messaging until they were able to provide me with the information I requested in writing. I requested that Comenity Bank cease the reporting of unverified, invalidated inaccuracies, pursuant to the Fair Debt Collections Practices Act ( FDCPA ). Comenity Bank continues to ignore my requests and Comenity Bank has failed to provide me with the validated debt they claim I owe them. FURTHERMORE, Comenity Bank is ignoring my request that they cease debt collection efforts by calling me multiple times a day ( see attached hereto ). I continue to receive phone calls and voicemails from Comenity Bank every multiple times a day, every single day since they received my demand letter on XX/XX/XXXX. Furthermore, I have received XXXX correspondence from Comenity Bank in writing as I have requested. Therefore, I am now submitting this complaint to the CFPB in hopes of a resolution. TO ALL PARTIES AND THEIR ATTORNEYS OF RECORD : PLEASE TAKE NOTICE : XXXX XXXX et. al, gives notice, THIS IS A PUBLIC COMMUNICATION TO ALL ; Notice to agent is Notice to principles ; Notice to principles is Notice to assigns ; Applications to all successors and assigns ; All are without excuse It is not now, nor has it ever been XXXX XXXX et als intention to avoid paying any obligation that is legally and lawfully owed. THEREFORE, XXXX XXXX et al hereby gives notice, as XXXX XXXX et al, has always given notice, in order that XXXX XXXX et al can make arrangements to pay an obligation which XXXX XXXX et al may owe, obligatory lawfully legal documentation that has been lawfully and legally verified and validated the claimed alleged debt must be done so by complying in good faith with request for validation, and notice that XXXX XXXX et al does dispute part of, or ALL of the Comenity Bank et. al. non verified nor validated claimed alleged debt. THEREFORE, XXXX XXXX et al, hereby memorializes this notice for the record on the public record to be made part of the record, and does put Comenity Bank et. al. on notice, due to continual demands to produce legally lawful evidence with proper jurisdictionally substantive supporting statutes and case laws that support each and every claimed allegations made by Comenity Bank et. al. 1. Comenity Bank et. al. are hereby demanded to furnish a copy of the original promissory note redacting alleged social security number to prevent identify theft and state under penalty of perjury under oath, that they are the account holder in due course of the promissory note and will produce the original for XXXX XXXX et als own, and a judges inspection should there be a trial to contest these matters. 2. Comenity Bank et. al. is hereby demanded to produce the account and general ledger statement showing the full accounting of the alleged obligation that they are now attempting to collect by authority of UCC 3-501 Presentment, which has continually failed to be produced on the public record for the public record to be made part of the record. 3. Comenity Bank et. al. is hereby demanded to identify by name and address all persons, corporations, associations, or any other parties, but not limited to, having an interest in legal proceedings regarding the alleged debt, but not limited to. As records show, XXXX XXXX et al gave ample notice stating XXXX XXXX et al was exercising XXXX XXXX 's rights under authority of : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy an completeness of the information to be provided to the consumer by the agency, including the business name and address of ANY and ALL furnishers of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In accordance, Comenity Bank et. al. are to provide XXXX XXXX with the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each and ALL person ( s ) contacted regarding alleged account, and amount owed. A copy of ANY documents provided bearing XXXX XXXX wet ink signature, showing that XXXX XXXX has a legally binding contractual obligation to pay Comenity Bank et. al. Verification of valid basis for claiming XXXX XXXX is required to pay the alleged claimed current amount owed. Details about the age and amount of the debt including a copy of the last True Bill from the original creditor. A detailed explanation of ANY interest added or payments made since the last TRUE BILL and the legal authorization for this interest. The date the original creditor claims the alleged debt became delinquent. Unlike a statement, or invoice that show what was owed, and has already been paid, that is also affirmed by the XXXX XXXX Comptroller Governors Annual Report, and the XXXX ( XXXX XXXX XXXX ), a TRUE BILL shows what is owed, and has not been paid. Whether this debt is within the SOL ( Statute Of Limitations ), and precisely how that was determined. Details about Comenity Bank et. al. authority to collect the alleged debt : whether Comenity Bank et. al. are licensed in the state of residence, and if so provide the date of license, name on the license, and the license number, and the name, addresses, and telephone number of the state agency issuing the license. If Comenity Bank et. al. are contacting XXXX XXXX from of the state, provide the licensing information from Comenity Bank et. al. state as well. NOTICE WAS, AND IS STILL GIVEN, ANY AUTOMATED RESPONSE OR XXXX VERIFICATION IS UNACCEPTABLE Due to no responses from Comenity Bank et. al. XXXX XXXX gives notice that : Comenity Bank et. al. and engaged in, and continue to engage in : XXXX and XXXX against XXXX XXXX by illegally and unlawfully harassing XXXX XXXX via telephone communications multiple times a day. These manipulation tactics are causing XXXX XXXX ongoing harm, and ongoing XXXX XXXX XXXX XXXX and emotional damages, that is also causing XXXX XXXX relentless ongoing damages and harm. FURTHERMORE, Comenity Bank et. al. have refused to provide the completed CORPORATE GOVERNMENT EMPLOYEE QUESTIONNAIRE FORM This questionnaire form is lawfully legally obligatory to return as it is enacted by the Senate and the House of Representatives of the United States of America by Congress assembled, that is cited by THE PRIVACY ACT OF 1974 ( As Amended ) Public Law 93-579, as codified at 5 U.S.C. 552a. As records show, Comenity Bank et. al. are in fact corporate government employees, and are therefore legally and lawfully obligated to return a fully compliant Corporate Government Employee Questionnaire Form. I give notice I do not know the law. I give notice that the foregoing is true and correct to the best of my knowledge. Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX Subscribed To And Sworn To Before God [ XXXX XXXX ] this XXXX  day of XXXX 2024 Acknowledgement By Publication Notice to agent is notice to principal : Notice to principal is notice to agent

Company response to consumer: Closed with non-monetary relief