Consumer complaint received 2023-04-09
Company: Bread Financial Holdings, Inc.
State: OR
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:
I was at XXXX XXXX in XX/XX/2022 to celebrate my birthday with my wife. Someone told my wife that there was an interesting site seeing where she could see a resort and have gift, and everything would end within 30 mins. She came to tell me, and I agreed to go with her. On getting there XX/XX/2022, we realized it was a deception and it was a marketing strategy by XXXX XXXXXXXX and XXXX XXXX. We were directed to XXXX XXXXXXXX where we were held for like 4hrs, and after they asked us to join their membership, we said no. They tried to convince us, but we insisted No, and we were directed to a guy called XXXX to check us out and give us the gift. When we got to him, instead of checking us out, he started talking about why we are refusing to be part of the vacation club member. I said I was not interested, at this point my wife was dehydrated and weak, and she felt the only option she had for her safety was to say yes. She said yes, and she told me in our local language that she would let them know after leaving there that she was forced to say yes because she feared for her safety, and she would retract her interest. I insisted I was not interested. XXXX told me that I would need to give him my information to support my wife 's interest, and that has no financial responsibility. He also said that the contract document would be mailed to my wife, and she would become a member only after signing the contract document. After collecting all my information, I requested a give me a copy of the show of interest document since he said he would give us a copy of the document. XXXX responded that it would come along with the contract document, and it would be useless, until my wife sign 's the contract and mail it back to him. We left that day and returned to our base. 
On the XXXX of XXXX, the welcome package came under my wife 's name without any contract document, and we placed a call to the numbers on the documents to tell them that my wife was not interested. The lines were going to voice mail automatically, and voice message was left to show that she was not interested any more, and her initial show of interest was based on fear for her safety. 
Towards the end of XXXX, then I saw a letter that a vacation credit has been approved under my name and bill from Comenity bank expecting my monthly payment for a total approved credit of around {$3200.00}. I called Comenity bank and they said it was vacation credit that I applied for through XXXX. I said I never applied for any credit, and they said I need to talk to XXXX XXXX. I asked them how would they approve a loan applied by a person on another person 's behalf without verifying with that person? They said since the person has all my information, they believe and approved it. I asked what if the information was obtained fraudulently? They were not able to give further answer. I said XXXX fraudulently used my information to obtain this vacation credit. They said their investigation showed it was true contract. Then I realized they were all involved in this fraud. I also contacted XXXX, and they insisted it was a valid contract. I said I did not sign any contract, and the XXXX fraudulently used my information to obtain a vacation credit. That how come the name on the welcome package and contract be different? I contacted XXXX, directors, and presidents, and it is 4 months now, they have not closed the account and the kept sending me bills and spoiling my credit score. I have sent countless number of mails and emails, I asked the bank to tell XXXX to return the loan that I disputed it, nothing is done till now, and they kept saying they are valid charges. I also requested for a copy of the forged contract document, no one is sending it to me. While Comenity band had refused to retract the loan under my name. 
Also, XXXX has refused to respond to countless emails I send, and their organization has done nothing to close this fraudulent account. 

The tracking number for the letters I sent through USPS are shown below : XXXX addressed to XXXX XXXX XXXX addressed to XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX addressed to Comneity Bank XXXXXXXX addressed to XXXX XXXX XXXX addressed to Comneity Bank Fraud Dept XXXX addressed to Comneity Customer Relation XXXX addressed to Comneity Bank Customer Relation XXXX addressed to Comneity Bank Fraud Dept

Company response to consumer: Closed with monetary relief