Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This is referring to Comenity/Capital One Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX Pretty an account was opened up fraudulent in my name due to the fact I was a viticm of identity theft stating I have an outstanding balance which is ridiculous based on the fact I did not open said case here are the details COMENITYCAPITALBANK/XXXX XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone Phone number not available Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CHARGE ACCOUNT Balance {$0.00} Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX High Balance {$470.00} Credit Limit {$350.00} Pay Status >Sold ; was Charged-off< Terms Paid Monthly Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks PURCHASED BY ANOTHER LENDER ; UNPAID BALANCE CHARGED OFF Payment History Payment/Remarks Key Date : Rating : XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX 30 days late XXXX XXXX XXXX 60 days late XXXX XXXX XXXX 90 days late XXXX XXXX XXXX 90 days late XXXX XXXX XXXX 120 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total Months : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Information Address ATTN CREDIT DISPUTES, XXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX Date XXXX XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type XXXX XXXX XXXX Balance {$0.00} Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX High Balance {$320.00} Credit Limit {$160.00} Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks Account previously in dispute-now resolved. reported by credit grant ; PAID IN FULL/WAS A CHARGE OFF Payment History Payment/Remarks Key Date : Rating : XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX 30 days late XXXX XXXX XXXX 60 days late XXXX XXXX XXXX 90 days late XXXX XXXX XXXX 120 days late XXXX XXXX XXXX 120 days late XXXX XXXX RatingC/OCharged off by account provider XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total Months XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Monthly Payment {$10.00} Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type INSTALLMENT SALES CONTRACT Balance {$230.00} Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX High Balance {$240.00} Past Due {$10.00} Pay Status >Account 30 Days Past Due Date< Terms {$10.00} per month, paid Monthly for XXXX  months Estimated month and year this item will be removed XXXX/XXXX Payment History Payment/Remarks Key Date : Rating : XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed Total Months : 2 This is an issue and I had filed a dispute with XXXX XXXX stating I was a victim of identity theft and said company claims this account is accurate when in fact it is no way accurate due to the fact I did not open this account

Company response to consumer: Closed with explanation