Consumer complaint received 2017-10-25
Company: Bread Financial Holdings, Inc.
State: NJ
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 XXXX  and XXXX XXXX opened a credit card in my name illegally
They admitted culpability
Nobody was punished
>>>>>>>>>>>>>>Credit Report not fixed<<<<<<<<<<<<<<<<<<<

Background - dismissed complaint
We combined your duplicate complaints.

XX/XX/XXXX
Hello,
Thank you for your complaint XXXX  about XXXX XXXX XXXX.
This complaint appears to be a duplicate of a complaint we've already processed for you. That complaint number is XXXX.
Keep this complaint number so you can track your complaint throughout the complaint process on our website at https://portal.consumerfinance.gov/XXXX.
XX/XX/XXXX
Hello,
Thank you for your complaint XXXX about XXXX XXXX.
Keep this communication and your complaint number so youll be able to track your complaint throughout the complaint process.
Summary of your complaint
Complaint number: XXXX
Date submitted to CFPB: XX/XX/XXXX
Product: Credit card or prepaid card
Issue: Getting a credit card

How our complaint process works.
Here's what will happen in the next 15 to 60 days:
STEP 1: We review your complaint. Depending on what we find, we:
Send your complaint to the company for a response; or
Send your complaint to the appropriate regulator or help you get in touch with your state and local consumer protection office; or
Let you know if we need more information to continue our work.
STEP 2: We send your complaint and the documents you provided to the company. The company has 15 days to respond and up to 60 days to provide a final response.
STEP 3: The company reviews your complaint, communicates with you as needed, and reports back about the steps taken or that will be taken on the issues you included in your complaint.
STEP 4: We post the companys response on your Consumer Portal and let you know the company has responded. You can log in to view the response on the Consumer Portal at https://portal.consumerfinance.gov/XXXX  or call (XXXX) XXXX to speak with someone. Were here to help.

We keep you informed throughout this process. You can log in to your Consumer Portal at https://portal.consumerfinance.gov/XXXX to check the status of your complaint. If this is the first time youve submitted a complaint, youll receive another email with instructions to set up the password for your Consumer Portal.
ImportantIf you submitted this complaint on behalf of someone else or you are the co-owner or authorized user on the account and you did not submit the complaint yourself you will need to contact us by calling (XXXX) XXXX for questions and status updates. Only the primary owner of the account will receive access to the Consumer Portal.
Thank you,
Consumer Financial Protection Bureau
XX/XX/XXXX

XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX  


Consumer Financial Protection Bureau
XXXX XXXX XXXX XXXX, IA XXXX

XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX Texas

In XX/XX/XXXX I bought crockery in XXXX XXXX  store XXXX XXXX XXXX XXXX   NJ for my sons wedding.
I paid with my own XXXX  Card.

>>>>>>>>>>>Before I left the sales clerk opened a XXXX XXXX  credit card under my name without my permission<<<<<<<<<<<<<<<<
In XX/XX/XXXX I got a credit card bill from XXXX XXXX  requesting payment for the items I had paid.

Between XX/XX/XXXX and XX/XX/XXXX I was harassed with credit card bills and phone calls 
by XXXX XXXX   and XXXX XXXX the holder of the card until XX/XX/XXXX

In a XX/XX/XXXX letter (attached) 
>>>>>>>>>>>>>XXXX XXXX finally agreed I had not signed a XXXX XXXX  credit card application<<<<<<<<<<<<<<<<<<
That I had paid for the goods originally.
XXXX XXXX  issued a bill showing all the charges were dropped
The original bill $XXXX  and all the interest payment were removed totaling $XXXX  see attached

I want this scam investigated





XXXX XXXX, XXXX XXXX & XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ 0XXXX XXXX XXXX XXXX XXXX

Cc XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas

Company response to consumer: Closed with explanation