Credit card -- Getting a credit card -- Complaint #17912312
Complaint Overview
Complaint ID: 17912312
Company: Bread Financial Holdings, INC.
Product: Credit card
Sub-Product: Store credit card
Issue: Getting a credit card
Sub-Issue: Sent card you never applied for
State: Georgia
ZIP Code: 308XX
Date Received: 2025-11-25T12:00:00-05:00
Date Sent to Company: 2025-11-25T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am reporting an unauthorized XXXX XXXX credit card account that has appeared on my credit report. I did not apply for, open, authorize, or use any XXXX XXXX credit card. I have never submitted an application for this account, and I have not received any card, statements, or communication from the company. This account is fraudulent or a reporting error, and it is currently damaging my credit score. I am extremely concerned because I did not give anyone permission to use my personal information for this account.
Frequently Asked Questions
What is Complaint #17912312 about?
Complaint #17912312 was filed against Bread Financial Holdings, INC. regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2025-11-25T12:00:00-05:00.
How did Bread Financial Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Bread Financial Holdings, INC.?
Yes, visit the Bread Financial Holdings, INC. company profile at readthecomplaint.com/company/bread-financial-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.