Credit card or prepaid card -- Getting a credit card -- Complaint #5746241
Complaint Overview
Complaint ID: 5746241
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Getting a credit card
Sub-Issue: Card opened as result of identity theft or fraud
State: Nevada
ZIP Code: 89521
Date Received: 2022-07-07T12:00:00-05:00
Date Sent to Company: 2022-07-07T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I recently became award that someone tried to fraudulently apply for 2 store credit cards with Comenity bank under my name. I reached out to Comenity via email on XX/XX/2022 and have not received a response. I have also tried reaching Comenity daily via phone since XX/XX/2022 however due to a continued " service outage '' have been unable to reach anyone. The one day I did get through to an operator they were unable to help. As a result of the fraudulent application I had 2 hard pulls of my credit report. I have placed a fraud alert on my credit and reached out to all of the reporting bureaus. XXXX has removed the pull, however XXXX seems to think it was a valid pull. The inquiry did not appear at XXXX. I am requesting that Comenity contact XXXX and have the fraudulent pulls removed from my record. I also want to make sure that no credit was established in my name. Finally I am requesting any available information regarding the applications so that I may forward them to law enforcement.
Frequently Asked Questions
What is Complaint #5746241 about?
Complaint #5746241 was filed against Bread Financial Holdings, INC. regarding Credit card or prepaid card specifically about Getting a credit card. It was received by the CFPB on 2022-07-07T12:00:00-05:00.
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 or prepaid 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.