Consumer complaint received 2023-01-17
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX opened a credit card account without my knowledge. On XX/XX/XXXX I went to XXXX store  XXXX in XXXX XXXX Fl to buy some clothes for an upcoming court date. When I went buy my clothes at the register the cashier asked me if I had a phone number with XXXX to get a discount on the clothes, I said no and she asked me if I wanted to sign up for it and I agreed. It is extremely important to mention that this lady NEVER said a single word about a credit card at any point during this interaction and the information that I had to give was my phone number and a signature. Fast forward 3 months later on XX/XX/XXXX I get notifications from XXXX and XXXX XXXX telling me that a new account with COMENITYCAPITAL/XXXX  was XXXX to my credit report and that it was 30 days past due. This came as a complete shock to me because as I previously stated no credit card was ever mentioned. I disputed this information with all XXXX credit bureaus and my disputes were denied so I reached out to XXXX on XXXX separate occasions once on XX/XX/XXXX and twice on XX/XX/XXXX each call I was placed on hold for over an hour the first call I hung up because I had to go to work, the other XXXX calls I waited and when I finally got through to someone they said that the credit card had been sent to my address on file but I never received the credit card physically or virtually, with that being said I explained what happened and she said that she would mark the account as unsolicited asked me to wait and then hung up on me. The second person I spoke with I told about the situation with the first person and she told me that no changes had been made to the account she asked me to wait and then hung up on me just like the first person. I was very respectful and was not speaking in an aggressive manner or using inappropriate language and no one attempted to reach back out to me that day. So I waited until XX/XX/XXXX to compose an email and send it which I know it is a holiday but I just wanted to have it sent already so that they would have the information and contact me when someone would be there to email me back. They havent made any attempts to contact me at all and they are trying to hold me responsible for a credit card that I can not stress this enough DID NOT WANT and even worse a credit card that I never received or have access to. All I want from this is to have the account itself and the late payment taken off of my credit report because the account shouldnt even exist in the first place. And all anyone has to do is look at all the other accounts on my credit report and see that they were all paid and paid on time during the same period that they try to say I didnt make payments on a credit card that I dont have. Ive never missed a payment in my life and now they are ruining my credit that I worked so hard to build.

Company response to consumer: Closed with monetary relief