Consumer complaint received 2018-10-20
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2018 I got an email saying my online application is approved from some XXXX XXXX XXXX. I was busy and thought it was one of those credit card offers and reported spam and deleted the email. Later on on XX/XX/XXXX XXXX XXXX that monitors customer 's accounts sent me an alert saying that a new credit card has been opened with my name. I contacted this comapny on XX/XX/XXXX morning and they said they would register fraud and sent it to their fraud department. They also told me that the online orders placed on XX/XX/XXXX morning will be cancelled. None of this was done and it was merely started as an investigation. Of course the bank that handles credit cards for this retailer did start a fraud investigation and said they would take 90 days to complete it. Meanwhile, on XX/XX/XXXX a box of clothes arrives with my first name, and my ex husband 's last name, this is because that is one of the names reported and registered on my credit report. The phone number is a number we had for a home we owned and sold. That is a disconnected number. On XX/XX/XXXX I get the store credit card to my house address and it has my first name, the first initial of my legal last name as the middle intial, and my ex husband 's last name. I have never used that name before any time in my life. In fact I never changed my name legally to my ex 's last name. I have always gone by my given maiden name as my last name. The order was placed for XXXX . The bank that started the fraud investigation said I do not have to pay for anything and that that credit card has been locked and froze. This has caused a great headache for me, since I ahve had to open disputes, freeze my credit report, make tons of phone calls and has caused severe emotional distress and worry. I filed a police report, filed a report with IC3.gov, FTC.gov and contacted all three credit reporting agencies, I still have to make sure all the agencies deal with the fraud account, remove it from my report, and a fraud alert has been placed. through XXXX I found out that this bank XXXX XXXX actually did a soft inquiry for promotional offers of credit. So they used a combination of things on my report, my own address, and basically approved an actual credit card in that name, placed two online orders for two items 3 white women 's blouses and 5 black blouses and  shipped next day delivery by XXXX. I am not really sure if the clothing company did this, or truly an identity thief got my information and did this. XXXX XXXX  is investigating and a fraud investigator has been assigned. The equifax report shows it as a promotional offer of credit inquiry. If so, why would an actual credit card be mailed to my address. An invoice for the items was included too. I do not want any clothing from this company, I do not want any credit cards from this company or bank. So why am I getting one. I have filed identity theft reports too. I will be securing the police report too soon. I am fed up with these credit offers and such practices. I wish to get a fair resolution and the fraudulent account that still shows as open on my credit reports to be closed and the credit card closed without any charges and fees applicable to me.

Company response to consumer: Closed with explanation