Consumer complaint received 2019-11-16
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Our time share experience with XXXX XXXX XXXX on XX/XX/XXXX XX/XX/XXXX, 2019 I have been a victim of fraud, misrepresentation, and deceptive sales methods, I was told when I agreed to visit XXXX XXXX XXXX XXXX XXXX it would be a no pressure, no-obligation, and hassle-free 90 minute presentation of your program and we would receive free tickets to a show and {$100.00} gift card. We ended up being subjected to an all-day over 6 hours of repeated pressure and different tactic to get us to buy and we repeatedly said no. 
The initial start of the presentation was ok the rep talked extremely fast and way too much he showed us around the property, and he talked about how great the program was. We started out in one room were this guy did a sales pitch, we moved on to see the actual suites onsite. Once we came back, the XXXX started they stated they needed to do an inquiry to my credit to see what packages they could offer, after asking the rep several times about the pull being a hard or soft pull on my credit he sit and lied to me saying I dont know what youre talking about there is no difference Ive never heard of that before. 
The next couple of hours were long and grueling with the sales rep trying to force us to buy he never let us get a word. They took our drivers license at the beginning saying they needed them for us to be on the property, so we were being held hostage. 
We explained to the rep that we were looking to buy a house so we could not afford a timeshare or any other monthly bill ; no matter what we said he continued to beat us over our heads with the book of sales. He got upset and nasty after my husband stressed that we couldnt afford it, he got up and called him a liar and sent another rep over. We were at least five hours into this now and starting to get extremely irritable. 
The woman rep came out showed us information about the points program by this time we were in our six hour of being here we also told her the same thing we can not afford it. She left and came back with more booklets and pamphlets about how the program works again we told her NO. She then offered us a complimentary perks by XXXX membership which would offer discounts and deals stated that we could use it and see how beneficial it could be we agreed to sign up for the perks program since it was free and we were ready to go. When she came back she started shoving all these different papers to sign for the membership perks program. Its my belief they intentionally faked some of the the documents they had us sign when they supposedly had us sign up for the free membership. We were also told that we would receive a membership package with member ID, etc. that never happen never received it, said it would take five to ten days for our information to get in their system. They mislead us though the whole process about this complimentary program to get our signature on documents. I asked about the cancellation and we were told we could cancel any time since it was complimentary. They also lied to us about what we were signing up for obviously. We have not and will not be activating their perks program. We didnt sign anything that had monetary values attached that we would be responsible for. XXXX of 2019, I see an alert on my credit for a credit card I dispute it not putting two and two together. Eight months later I get an alert on my credit that I have a bill that is 30 days late now I see that its a credit card attached to XXXX I did NOT apply for a credit card or any loan or credit account, I had no idea that it even existed nothing was sent via email, postal mail or phone call. They flat out lied to us to make a sale I never applied for a credit account with anyone while I was there or gave any of the reps conformation to do so. It was opened without my knowledge or consent under false pretenses this is a case of fraud. 

I called the company Comenity BankXX/XX/19 that hold the credit account that is reporting to the credit agencies and they XXXX told me they didnt think it was a cause of fraud although they stated that XXXX opened the account on my behalf but I didnt authorize them to open anything he did referred me to talk with XXXX. 

I also contacted XXXX  XX/XX/19and talked with XXXX who had a very nonchalant attitude and basically asked me did I read the contract I stated to him that I did not authorize anyone to open a line of credit for me at their company. He stated that he had a signed contract 24 month contract for {$2900.00}. I told him that I did not sign a contract with money attached I only have one contact that say complimentary. I also stated that still doesnt solve the unauthorized credit application. He stated that we would open a case and " see '' what they can do. 

Credit Balance- {$3100.00} 1st alert date account opened-XX/XX/19 Disputed account- XX/XX/19 Account was close as a result of my dispute-XX/XX/19 Late alert- XX/XX/19 Locked Credit file-XX/XX/19 Disputed again-XX/XX/19 Filed a fraud report-XX/XX/19 Disputed Account on credit report-XX/XX/19 Letter mailed to Credit Company-XX/XX/19 BBB Complaint- XX/XX/19

Company response to consumer: Closed with non-monetary relief