Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Subject : Request for Investigation and Proof of Fraudulent Debt ( Comenity Bank - XXXX XXXX Account ) This is fraudulent debt issue associated with Comenity Bank XXXX XXXX XXXX account for a debt that is not mine and that I refuse to pay. Despite my repeated attempts to dispute this matter, it remains unresolved, and Comenity Bank has failed to provide adequate proof that this debt belongs to me. 

Comenity Bank continues to validate a fraudulent debt without furnishing any tangible evidence linking it to me. I have consistently stated that the debt is not mine and they have no record or evidence of me ever opening this account. Furthermore, the debt has reportedly been sold to another party. Despite multiple disputes and repeated contacts with the companies representatives, they have been unable to locate any account under my name until recently only providing the last 4 digits in their response to my dispute. 


In or around XXXX, XX/XX/XXXX : I spoke with a representative named XXXX at extension XXXX. Despite her initiating the calls to me that I returned, XXXX could not locate the account under my name. She requested my Social Security number, which I declined to provide, as I told her given the fraudulent nature of this account she should instead search using my name. Unable to find the account, XXXX transferred me to the fraud department. The fraud department also requested my Social Security number, which I again refused to provide. They then asked for my account number, which I could not supply. I provided the partial account numbers listed on my credit report, however they were unable to locate the account without the full account number. On XX/XX/XXXX and XX/XX/XXXX : I made additional calls to resolve this matter. On XX/XX/XXXX, I spoke with XXXX from the fraud department. He too was unable to locate the account and transferred me to the investigations team, which similarly could not find the account. 
XX/XX/XXXX : Comenity Bank, through the CFPB, once again claimed to have validated the debt without providing any verifiable evidence. This dispute process has been now going on for 1 year. Despite my efforts, Comenity Banks claims have relied solely on their word to validate this debt, offering no supporting documentation to support their claim. This has caused me significant financial and emotional distress. I am requesting that Comenity Bank provide the following documentation to verify the legitimacy of this account or delete the account from all three credit bureau agencies immediately : - Signed Application : A copy of the original credit application that I purportedly completed, including my signature and consent.

- Account Agreement/Contract : The full terms and conditions or agreement signed by me when the account was opened, detailing the credit limit, interest rates, fees, and other relevant information. 

- Transaction History : A detailed statement of transactions, including the first purchase made on the account. This should include the location of the transaction ( specific XXXX XXXX XXXX ), the date and time, and any available video evidence of the transaction. 

Under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information to consumers regarding the terms and conditions of credit accounts. By failing to provide verifiable proof of this debt, Comenity Bank may be in violation of TILA as well as other consumer protection violations. I additionally request that the CFPB investigate this issue and ensure compliance with all federal laws protecting consumers from fraudulent or improperly documented debts. 

As a consumer, I believe my rights have not been adequately protected in this matter. I respectfully request that the CFPB investigate this issue and take appropriate action to ensure that consumers are not burdened by fraudulent debts without proper verification and documented evidence.

Company response to consumer: Closed with non-monetary relief