Consumer complaint received 2023-10-28
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (DC)

Sometime in XXXX of XXXX  I was in XXXX and purchased a picture frame. The clerk was very convincingly trying to get me to open a XXXX credit card to get a discount on the frame. I never get talked into opening store credit cards. I only use two primary cardsXXXX and XXXX  XXXX XXXX. But for some reason my judgment faltered and I allowed the clerk to issue me the credit card. I knew I would never use it and planned to destroy it when it came in the mail. I never got the credit card nor the bill for the frame. It was only XXXX and because it was such a small sum I forgot about it. About XXXX  months later I started getting about XXXX calls a day from a No Caller ID. I didnt answer as I had been getting spam calls a lot but could block most of them. No one left a message for over a month but the calls were relentless and I finally had to turn off my phone. Finally a voice mail message was left and asked me to call Community Capital Bank but no other information. I researched the bank and concluded that it was spam as I had never heard of them. I got a couple more calls just like that which I ignored. 

In XXXX my XXXX was visiting me. He had my phone while I was in class and noticed that a No Called ID no kept ringing. He picked up the phone and he said they asked for me and he said I wasnt available. They told him to tell me that XXXX was calling me. That was all. No further information. Shortly after he left and the calls kept coming it finally dawned on me that this must be about the picture frame because I couldnt remember if I paid. I was certain I had not received a credit card. So, I called XXXX and spent hours trying to get them to help me. No one knew anything about my supposed account and finally after talking to XXXX or XXXX people I finally was transferred to someone who said she would help. I told her I was being harassed daily but had not received a bill and didnt even know how or what to pay. We confirmed my address and she said she would take care of it and for me to rest assured about that. I told her if I owed money to XXXX that I wanted to pay it right away. I have this email. 

The calls seemed to lessen a lot so I thought maybe they were taking care of it. But then they started up again and I got more voice mail messages to call the bank or something would be escalated. I tried on two occasions to call the bank. One time the phone just rang, and it was a strange sounding ring. The second time it answered with the sound of a fax machine. I still didnt know if this was to do with XXXX because XXXX was NEVER mentioned, only the Community Capital Bank . I then tried calling Community National Bank in Kansas and they had no information about me. Then I got a notice that my FICO score had dropped drastically. I joined the MYFICO site to get information because nothing was different with my bills/accounts. My FICO account showed that this Bank, which was not spelled Community Capital but Comenity Bank was responsible. The FICO representative suggested I call them which I did. I was pretty angry and spoke to a sarcastic lady and asked her to send me my bill. She said, so, you want to update your address? I said no Ive only had one address. I asked her where she had been mailing the bills and she wouldnt tell me. She told me to guess! I had been living overseas for the past 15 years so I told her unless it was an overseas address I could not fathom a guess. I had confirmed my address with XXXX so this was surprising to me that they had a different address. She never told me where they were sending my bills. 

After I received the bill it had gone from XXXX to XXXX. I called XXXX and after telling them the same long story they suggested I contact you. I wanted to pay it and get it over with but they thought considering all that happened it would be best to go this route. My primary concern is my FICO and credit scores. Please know that I would never try to avoid paying this bill and I would never want to destroy my credit for a {$35.00} picture frame!! No one would! I think this bank did a lot to contribute to this situation. Never checked to see if my address was correct. Never leaving a coherent message as to why they were calling. Harassing me to the point where I had to turn off my phone. It was all such a huge waste of time and energy.

I do hope you will positively consider my claim and help me restore my credit rating. I look forward to hearing from you. Best regards, XXXX XXXX. 


I am attaching a copy of the emails I mentioned above. Please see that they did have a reference no. I contacted her again and did not receive a response. 






Dear XXXX, Thank you for contacting us! 

Your request has been forwarded by our internal team. Rest assured that this is now routed with the relevant team. 

If I may be of further assistance, please let me know. I'm here to help! 

Sincerely, XXXX XXXX XXXX XXXX ref : XXXX : ref Hello Rissalyn They continue to harass me calling XXXX  times today. They finally left a voice message but didnt say what it was about, just that it was imperative that they speak with me today or something could impact me????! 

Can you please find out why they are calling. If I owe money to XXXX kindly advise or send me a bill so that I can pay it and hopefully these bank people will leave me alone. I can not block the call as there is no number to block. This has resulted in me having to keep my phone off at all times.

Thank you. Im looking forward to resolving this as soon as possible. 


Sent from my XXXX