Consumer complaint received 2021-02-27
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX I applied for a Wayfair Account. After filling the information on the application. A page poped up XXXX XXXX XXXX you were approved for a Wayfair Credit Card! The Problem was My Name is XXXX XXXX XXXX right away I called Wayfair Credit Department explained to the man on the Phone that the name on the Account was wronge. How did that happen. He said it was an computer error. Please fax us a Copy of your license. To verify my Name & Address. Which I did within an hour. I called Wayfair an hour after I faxed A copy of my Fl License. To Verify that they received it. I was told it would take a day or two to correct the mistake. No that didn't happen. For two months, well over 10 to 15 calls I made, I even ask twice to pay the bill off which was {$220.00} and Close the Account! No I am not XXXX XXXX XXXX. I was hung up on a few times, because I wasn't XXXX XXXX XXXX. I have letters Adress to XXXX XXXX XXXX, Bills Also address to XXXX XXXX XXXX for 2 months! XXXX XXXX XXXX XX/XX/XXXX We are letting you know of Suspicious Activity on Your Account # XXXX. I told the Fraud Department Over and Over Again, until I received a Correct Card and the Correct Account information on My WayFair Account They would not get paid. I can not set up an online account until it fixed. It was until I reapplied for a Wayfair account on XX/XX/XXXX, I wasn't sure if it would work, It did!! I was told then I already had an account with Wayfair. ( At that time it was In XXXX XXXX XXXX ) The next week I finally received the letter from the Fraud Department with a referral numbered. The Letter they Promise over two months would be here a less than a week. Never received it until they were Finally Awoke by my Second Application. Then 2 days after that 2nd application on my Credit History, Wayfair Reported 2 months pass due. I don't have any pass dues on my Credit Report. My Score dropped over 40 points. I have been working so Hard over the last Six Years building my Credit. They wouldn't let me pay it off and close the account. The Problem was brought to their Fraud Department on the very 1st day of the XX/XX/XXXX application about the issue of being in Someone else name. Not once did they help right. They said after a payment is made they would refund 1 late payment not the 2 that is on the account right now. The account was in Someone else name those 2 months. They also said they were not going to remove the false information on my Credit Report. Never from day 1 has Wayfair Credit Fraud Department has been fair what so Ever. Plus not just the Credit Issue the Rocking Chair I order for My Mom for XXXX. I paid an extra {$30.00} for a Dark Grey Cushion. Well the chair was delivered, Wrong Color and Also Broken. Yeap! That been my Experience with Wayfair! It sucks 100 % They have put me though a wringer, with no Fault of Theirs. To Approve an Account in Some one else Name with my Social Security Number, I Truly Consider them Responsible 100 % The correct chair was delivered in the 1st week of XX/XX/XXXX. I won't recommend anyone to Buy or Apply at Wayfair at all. I was a nervous wreak for over 2 months. Now they added the late account to my Credit Report for two late payments on top of all the XXXX they put me though. Please Help!! Because they Won't

Company response to consumer: Closed with explanation