Consumer complaint received 2020-12-24
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a Victoria Secret Credit Card with Comenity Bank in XXXX, Ohio. I had a fraud alert placed on my credit report that requires credit issuers to verify additional information regarding my identity since XX/XX/2020. After, I opened the Victoria Secret account online, I received a letter to call the bank to verify information by phone only. The information was successfully verified and a credit card was mailed to my address. I later attempted to use the credit card at the store but the card was declined. The store clerk physically scanned a copy of my Kentucky State government identification card but card still remain locked. I was told to call customer service. I called customer service. The representative alleged she mailed multiple letters stating that I need to verify my identification a second time, although I had already verified it. I never received such a subsequent letter, but I only received billing statements showing no payment due. The representative alleged I needed to send copies of a picture identification ( front and back ), a copy of a social security card and federal W-2 tax forms. I sent in the documents provided by the representative, but after 30-days, I never heard from the bank again, the account remained active. Oddly, during this same waiting period, I started receiving massive phishing scams from other companies by email, text messages, and physical mail. All three credit bureaus added fraudulent delinquencies and altered my credit score by 100 points. I received fraudent inquiries from the Kentucky state voters registration database. I received fraudulent notices alleging to be from the IRS that claimed my identity can't be verified with payment slips attached to send money, when no payment was due. Also, XXXX XXXX XXXX fraudulently closed done my cell phone a few weeks ago, although it was prepaid cell phone, claiming the company can longer verify my identity and that I need to come to store in person to verify my identity. All this companies sent computer generated notices claiming legitimate accounts are be closed after alleging fraudlent transactions were taking place, when no transactions existed and no bills were due. Also, my autopayments for multiple insurance and another credit cards was stop without notice. After investigation by XXXX XXXX XXXX, this false notices appear to be from website technical error or a XXXX attack. Recently, in the news Russians have attacked multiple government agencies through a " back door '' XXXX  attack. There also appears to be a DoS ( Denial of Service ) XXXX Attack. I believe this employees are engaging in phishing scams or these companies were effected by the recent XXXX XXXX attacks in the United States. My legitimate accounts are being closed and credit bureaus reports are being updated with phony addresses in Virginia, 30 minutes from Washington DC or the XXXX, which indicates these are XXXX attacks or XXXX.

Company response to consumer: Closed with explanation