Consumer complaint received 2022-04-22
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am being hacked by someone who has at times sent phones to our home impersonating our carrier XXXX XXXX XXXX  and XXXX XXXX. So I can not make a complaint by way of my phone. If I call any of my credit cards hackers retreive the call. I can not get any help. This has gone on for 10 years. I have made multiple reports but now believe they have never made it to you because there is also an unwanted and illegal dual sim on our phones. My complaint is someone or the hackers are using my cards, in this instance its a charge of XXXX XXXX which has been charged to all of my cards but I will address this one today. I am not sure why they do this but it is my belief is so I will call the new card number in. I believe there are multiple cards issued in my name. My mother wrote 2 different checks to pay the bill to 2 different addresses because we dont know if the address has been changed on my XXXX bill or the credit cards check cashing center is the issue. My mother put XXXX which is the last 4 digits of the card on both checks. one came back with the original account number XXXX and this is 3 or 4 cards later. This is what my mom suspected. So, my original account is active but I was told the XXXX is active and XXXX was reported stolen, which it was not. Each time they send me a new card and I call in to hear there was fraud so we sent you a new one. That is not the case. I believe someone at Comenity Capital Bank is issuing cards because we all receive cards from that bank unwanted. So we of course have to give the real numbers all of them to cancel. There has to be someone working on the inside to scratch out wrong digits on the bottom and put new ones. So we added to the memo on the check no scratch outs or changes or its void. Sometimes my card gets blocked for no apparent reason or my statements are held up.Definite tampering. I did not charge XXXX XXXX. I have asked them to forbid XXXX to charge, yet it happens.These people are foreigners, XXXX they say. There are chickens crowing in the background and children playing. I can not get text to my phone for fraud alerts or notice for billing dates. There are many changes to all our phones. Even XXXX said someone offered thousands to get into our account. I am really tired of this I have a credit freeze leter and pin on the bureau but I am suspicious its not there. Please tell them no more XXXX ever and stop blocking my card. Its not blocked now but if I charge on it online elsewhere they get mad and block it.I cant do any charges on my phone because all cards get stolen. We are positive someone has to be working in one of these cash checking centers or my mail is routed to someone in XXXX Arizona I believe. I need a real billing address and bureau address so I dont have to write you. My mom discovered the bureau addresses on her report are wrong and they are just copies that have been altered in every way. This bureau really needs to investigate Comenity Capital or send me information so that I can contact someone who cares, not phone numbers but addresses because I have found the addresses I am searching for on my all of our phones to be fake and we get zero response back or returned mail. The addresses lead to lease buildings or for sale buildings. They are a criminal ring that has cost us thousands, But I should have only 1 XXXX account under my social XXXX XXXX XXXX XXXX.The XXXX  is an outdated version and my IMEI changes after the sim is activated. I have 2 of them.

Company response to consumer: Closed with non-monetary relief