Consumer complaint received 2017-06-13
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Pay Pal, I have sent numerous mails in the past. Please read my letters and reply to the proposal. Please do not issue online credit card without consent. Please do not send to collection agencies after one year for the charges that was not aware by the purchaser. Your system is fraud : opening a credit card without any signature or approval. Show me the application that Id filled out. <P/>XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX, I have sent numerous letters to Paypal Credit immediately as below. However, Paypal never replied my mail sent on XX/XX/XXXX. Please have them respond and correct charges before I can make payment to them. <P/>XXXX XXXX XX/XX/XXXX Dear Paypal credit. <P/>XXXX XXXX XXXX XXXX XXXX XXXX This is first time I have received the history of what Pay Pal credit claimed. Your company just can not wait until XX/XX/XXXX to send me a statement to claim late charges and fees. That is not ethical. <P/>My paypal always were charged to XXXX XXXX. I do not know why some charges remained as a paper copy until the bill was first received in XX/XX/XXXX. And then you decided to send to collections agency without responding while I was trying to work with paypal. <P/>If this is how you scam others, please STOP. This is not an ethical way to make money from others. <P/>Withholding information and then claim your fraud system is false and that is now how you should make money. <P/>Since I do recognize guitar charge and return, I am willing to pay the balance of {$250.00}. Not any more for late charges or fees that I do not owe to you. I have never applied for paypal credit. You still failed to provide my application and signature. Prove to me that I have applied for your credit card. <P/>If Paypal policy is not willing to agree, I am not willing to cooperate or respond. Your claims have been false and fraud. I have been responding to all your inquiries. It is paypal that failed. <P/>Please reply as soon as possible. <P/>XXXX XXXX Dear Client Services, Reference Number : XXXX I have requested Pay Pal Credit requesting application for Pay Pal credit card and my signature on it. <P/>They never replied. <P/>I have request Pay Pal Credit to provide actual transaction that they claimed made in XX/XX/XXXX and vendor name. I never received they reply. <P/>Now, I am receiving your statement in XX/XX/XXXX. They need to prove that purchase was done by me by fulfilling above requests. They refuse to send any statement. They sent a statement in XX/XX/XXXX. I have called them immediately to find out what is going on. They filled out their requesting application immediately. They never replied back to my below request. <P/>Thus, their scheme is fraud. <P/>XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Pay Pal Credit Fraud Operations XXXX XXXX XXXX XXXX MD XXXX Dear PayPal Credit Fraud Operations, In XX/XX/XXXX, I first receive a statement from PayPal credit that I have owed them {$380.00} and numerous previous attempts were made to reach me. <P/>I have never applied for PayPal Credit. Please provide my application with signature. <P/>I have never received any correspondence from your company prior to a surprised statement in XX/XX/XXXX <P/>When I make purchases through PayPal, it is always charged to my XXXX XXXX. I always receive email notification for any purchases or credits. Not this kind of credit company. I never received any notices. <P/>You said based on my purchase history and payment history, please provide my purchase and payment history on PayPal Credit. I was told there was only one charge made in XX/XX/XXXX by XXXX XXXX  that I am not aware of. <P/>I believe it is PayPal credit company trying to take advantage of charging fees and interests based on a loop hole by your credit card company. I do not have any problem with my other credit cards who contact me immediately for any fraud or suspicious activities. <P/>I was asked if I filed a police report. How do I know if my identity is stolen if I did not know anything about this credit card company I have never applied to and wait until XX/XX/XXXX to contact me? <P/>Please provide the vendor name, amount of purchased item and tracking number. I will search on my own if paypal credit company is abusing their loop hole system to take advance of my identity. <P/>Please respond as soon as possible. <P/>Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation