Credit card or prepaid card -- Getting a credit card -- Complaint #6444438
Complaint Overview
Complaint ID: 6444438
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Card opened as result of identity theft or fraud
State: California
ZIP Code: 95129
Date Received: 2023-01-16T12:00:00-05:00
Date Sent to Company: 2023-01-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Someone stole my identity and XXXX XXXX to open XXXX new credit cards issued by Comenity Captial on XX/XX/XXXX. I learned from the creditor that below purchases were made by the criminal at same day after new accounts are opened. XXXX. XXXX purchases {$680.00} and {$130.00} made by XXXX XXXX card at XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX. XXXX purchase {$610.00} made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX From XX/XX/XXXX to XX/XX/XXXX, I have called XXXX credit bureaus XXXX, XXXX, XXXX to dispute the new hard inquiry appeared on my credit report and requested for removal. I also requested the creditor to close new accounts and start fraud investigation immediately. I also submitted police report to protect myself from future crimes by using my identity.
Frequently Asked Questions
What is Complaint #6444438 about?
Complaint #6444438 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 2023-01-16T12:00:00-05:00.
How did Bread Financial Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.