Consumer complaint received 2024-08-28 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Ordered new Drivers License in XXXX. Didnt receive in mail. Have screenshots of XXXX XXXX posts where many in community are reporting mail theft and mailbox break ins in the general area. Screenshots include an existing case number. Ordered 2nd DL from XXXX in XXXX, I have email communications, and received 2nd DL in XXXX. 

Received multiple pieces of mail XX/XX/XXXX advising of fraudulent use of my DL and identity. Have already frozen credit bureaus and placed fraud alerts to prevent/stop future applications. In the process of reviewing credit reports to continue disputing all fraud/ID theft. Also filed report/complaint with the Federal Trade Commission XXXX FTC ) While reviewing credit reports found the following ID theft/fraud events - XX/XX/XXXX Fraudster tried to apply for employment at XXXX XXXX XXXX on XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX 
- XX/XX/XXXX Fraudster used DL/identity online for pre approval of an auto loan via capital one on. I contacted XXXX XX/XX/XXXX and application reported as fraudulent and closed. 
- XX/XX/XXXX fraudster applied for CC at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX presented DL and received real time approval. Made fraud purchases totaling XXXX. I reported fraudulent application/account on XX/XX/XXXX - XX/XX/XXXX Fraudster applied in person at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX beside the XXXX # XXXX at XXXX CT and was declined. I reported fraudulent application/account on XX/XX/XXXX - XX/XX/XXXX Fraudster attempted in person application at XXXX XXXX and was denied. I reported fraudulent application/account on XX/XX/XXXX Have called all known unauthorized creditors at this time and have reported accounts as fraudulent and related to ID theft. Each creditor has advised they are starting their own fraud review processes and are reporting the fraud to the Credit Reporting Bureaus to remove from credit history.

Called to get it closed out and reported as fraud. Account never closed and the fraud report was closed out due to it being opened in person. 

I told the person I originally reported it to that it was done in person with a stolen ID. 

Now I have collections calling because theres a balance. The person even made a payment but they will not provide me any info about the number it was called in on and the bank that wired the money. 


I will not touch the account because I do not know if the account used to pay the balance on the card is a stolen account. 

Opened up police report The detective also contacted the XXXX XXXX # XXXX and was able to get the footage of the person who opened the account and we have confirmed it is no one we know and not me. 

The detective that is currently working the case was able to pull the photos and we have confirmed that it was not me. 

XXXX XXXX financial crimes unit - Case : XXXX Financial crimes detective number- ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief