Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The undersigned Authorized Representative, XXXX XXXX , herein after, Beneficiary does solemnly swear, declare and state as follows : Pursuant to 12 CFR 1026.13 - Billing Error Resolution I, XXXX XXXX , dispute account number Account Ending XXXX in connection to XXXX XXXX XXXX the amount of {$3500.00}, have submitted correspondence to XXXX XXXX Comenity Bank to rectify this matter and it has yet to be resolved. Please furnish documentary evidence in accord with 15 U.S. Code 44 of record of accounts where XXXX XXXX Comenity Bank awarded me, XXXX XXXX , with any payment pertaining to this alleged debt. Pursuant to 15 U.S. Code 1666b ( a ) Notice, it is fact Beneficiary 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 this account and whose obligation it is to pay this alleged debt on this account. Account Ending XXXX. Until then XXXX XXXX Comenity Bank can not report late payments in accordance with the regulations of the Bureau 12 CFR 1026.13 ( d ) ( 3 ). Pursuant to 15 U.S. Code 1666 ( e ) If the creditor does not provide all documentary evidence as defined under 15 U.S. Code 44 this will result in a billing error and the creditor forfeits all rights to collection on the amount that has been identified in dispute. Notice, it is fact Beneficiary is aware that without resolving this billing error the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S. Code 1666 ( e ). Pursuant to 12 U.S. Code 5562 ( c ) ( 10 ) - Production of Document Material Notice, it is fact Beneficiary is aware the consumer has the right to request the money audit trail. I am requesting this documentary material in accordance with 12 U.S. Code 5562 ( c ) ( 10 ) to address this subject matter. Without this documentary evidence, there is no evidence of this alleged debt. Pursuant to 12 U.S. Code 1831n ( 2 ) ( a ) - GAAP Audit Trail, Accounting, and Insurance Notice, it is fact Beneficiary is aware the consumer has the right to request the GAAP Audit Trail in accordance with 12 U.S. Code 1831n ( 2 ) ( a ) and without this documentary evidence to properly address this subject matter, there is no evidence of this alleged debt. Pursuant to 16 CFR 433.3 ( b ) ( 4 ) a contract which in a contract which includes a waiver, condition, or limitation for a debtor to assert rights for claims or defense against a seller is void. Notice it is fact in accordance with 15 C.F.R. 433.3 ( b ) ( 4 ) I the Beneficiary has reason to believe and do so believe a contract can not and does not constitute as documentary evidence or contain a negotiable instrument or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer such as I, XXXX XXXX , the Beneficiary any right to assert against any holder of a contract with any and all legally sufficient claims and defense which could be asserted against the seller of goods and services and in all subject matter pursuant 16 C.F.R. 433.3 ( b ) ( 4 ) said contract is unenforceable and void. Notice in fact a contract has not given the consumer the full disclosure of said contract with any written, oral, known, or unknown subject matter shall not constitute as documentary evidence. I the Beneficiary has reason to believe and do so believe XXXX XXXX Comenity Bank has failed to meet all requirements established in 16 C.F.R. 433.2 ( a ). Furthermore, XXXX XXXX Comenity Bank used my open-ended credit plan in accordance with 16 C.F.R. 433.2 ( a ) to furnish which furthermore proves they did not extend credit to me about this alleged debt. Pursuant 15 U.S. Code 1692e ( 2 ) false character, amount, or legal status of any debt. Notice it is fact that I the Beneficiary am aware that the false character of the amount of this alleged debt ( s ) is in violation of 15 U.S. Code 1692e ( 2 ) ( a ). Beneficiary has proof of this violation as XXXX XXXX Comenity Bank alleges I owe an alleged debt ( s ), yet the account shows the billing in a positive amount. How can I pay into an account which is already positive? This is in violation of TILA. Pursuant to 18 U.S. Code 8 - Obligation or Other Security of the United States, Notice in fact that Beneficiary is aware that all obligation of debt is the responsibility of the United States. Please investigate for Securities Fraud and Breach of Fiduciary Duties. Please adjust this account ( s ) to a XXXX balance and open ended. I demand you return all funds paid into this alleged debt ( s ), including payments of interest, downpayment, etc. You have 10 days of receiving this notice to comply. If you can not provide all documentary evidence requested, then you have agreed to the terms of this notice. I have included a copy of the bill as proof of a billing error. See Exhibit 1. California Rule California, in the minority of states, applies the mailbox rule to option contracts as well. In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( 1974 ), the Court held, In California the effective upon posting rule has received legislative sanction and is the declared policy of this state. As previously explained, when the notice of exercise of the option is viewed as an acceptance of an irrevocable offer, such notice is clearly covered by section 1583. Notice to Agent Notice Knowledge U.C.C 1-202 Respectfully, All Rights Reserved Without Prejudice - U.C.C. 1-308 Name : By : XXXX XXXX , Executor Of The Estate Authorized Representative

Company response to consumer: Closed with non-monetary relief