Consumer complaint received 2018-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
In XX/XX/XXXX- started XX/XX/XXXX- XX/XX/XXXX someone used our XXXX XXXX credit card number in and around XXXX, XXXX. Our entire family was in the United States at the time. We have other charges on the account that our ours and that were used by presenting my card in person during this time period. When we discovered the issue initially I told them it was fraud. The card was cancelled, balance transfer to a new account and we were sent new cards. The card was not working at some point and I had to call them and learned about the fraud. They closed this account and issues new numbers etc. along the way I contacted some of the accounts on here that were fraudulent and the XXXX said they would be more than happy to give all to information to XXXX in order to resolve and the said they would. My understanding is that they never even reached out to the XXXX to inquire. I asked if I could speak to the person reviewing the fraud to answer any questions. The XXXX XXXX customer service said they would reach out to me. I received a letter stating that they did t not believe this to be fraud and that I had to pay the charges. They never contacted these companies. In fact, I dont know that they looked into this at all. I need help getting them to do a more thorough investigation and recognizing that these are not my charges. Since I was in the US with my cards this had to be someone who stole my cc number and cloned a card. Whatever the scenario I really need help assistance.. Here are the charges. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Please see attached photos of my credit card bill during the fraud that shows I was using it. Not only that XXXX should have asked me to keep my cards or should have called me right away to check where the card was. I called some resources for help and both the police and the bureaus say that your number can easily be cloned or skimmed and ported to someone elses name, or punched in and replicated. I need help to get to look into this more thoroughly and show proof and explain why you think this not fraud. I want to see signatures, copies of cards, me on cameras at some of these places in XXXX. I would like thisnrighted please Thank you in advance for your assistance with this matter. Sincerely. XXXX XXXX

Company response to consumer: Closed with explanation