Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Dear CFPB : I am contacting you regarding the predatory practices of XXXX XXXX XXXX XXXX. 
First of I had a unsecure credit card with Zales Department store, at some point I believe the underwriter for that card was Community Bank. At the point that covid happened we had to priorities our debts. At some point we began getting various calls at all hours and on Sundays, finally at some point they took the message and stopped bothering us by phone calls but then they started by filing civil suites in Texas where I am a resident. In this particular case, I can not tell you if they originally filed it under Community Bank or Not at some point, because so much has happened in the last four years. At some point, in XX/XX/XXXX they did file a petition In the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX even at this late filing the debt is beyond the statue of limitations here in Texas. Once more I filed a response and a court date of has been set for XX/XX/XXXX however, I received an certified letter in the mail appearing that they were filing a second law suite for the same matter I mean doesn't this violate double Jeopardy? Even if I had been convicted of the original citation which I have not, because the trail date has even come up on the calendar. The new documents seem to be coming from people in Minnesota and Utah. This one did not have the courts notification on it. I notified the court and asked them request XXXX XXXX XXXX XXXX to stop harassing me especially in this pending matter. Secondly, they filed an electronic proposed order which is unsigned by the XXXX on XX/XX/XXXX which I received a copy by email, but I kind of had to track it down first in the court filing system The trail date had been set for XX/XX/XXXX which has not happened yet. So why keep sending me new notices or creating new cases for me to fight, it's like they got this army of people just collecting our data filing suits or they keep selling this old debt to different collectors. Or it's like the wild west of debt collections or they trying to see who can lay claim to this possible litigation and recover money, or they trying to make it look like they have already won and force me to pay the debt. The original case was filed under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX but apparently the company has a whole host of Texas lawyers who all should know better I don't know if they are passing this around like a hot potatoes or if this is how they just keep harassing people until they get something I am listing the Bar Numbers for your reference and further investigation, I have already filed a complaint with the Texas Attorney General Office and I will also send a letter or complaint to the XXXX XXXX XXXX as well, But I don't know this is a large company maybe they have notary republics and attorney in all kind of states and clearly they don't have the left hand talking to the right hand. Here are the other attorney listed on the original citation I received in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX she is the person who apparently sent this new documents on XX/XX/XXXX. 
Also interest to note they do not list their bar numbers as they previously did also it is not a hand written signature but an electronic one. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The new " certified letter of suit '' case number XXXX file no. XXXX it comes from a XXXX XXXX who is a legal specialist for XXXX XXXX XXXX and was notarized by XXXX XXXX XXXX in Minnesota who's commission expiries on XXXX, XXXX XXXX but no number is given. There are also affidavit of a XXXX XXXX that was notarized in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief