Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #18103587
Complaint Overview
Complaint ID: 18103587
Company: Bread Financial Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Problem with personal statement of dispute
State: New York
ZIP Code: 10462
Date Received: 2025-12-02T12:00:00-05:00
Date Sent to Company: 2025-12-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Notice of Discrimination Dear Sir/Madam, I am writing to formally notify you that I believe I have been subjected to discriminatory treatment by Comenity Bank in connection with my recent application for a credit card. On [ XX/XX/year> ], I applied for a credit card with Comenity Bank. My application was denied, and I was not provided with the opportunity to discuss alternative options or to explain my financial situation. I believe this decision was influenced by : 1. My status as a person with a disability. 2. My general income level. 3. The fact that I receive a monthly income from the federal government ( e.g., Social Security, disability benefits, or other assistance ). I feel that this constitutes discrimination on the basis of disability and source of income, which is prohibited under the Equal Credit Opportunity Act ( ECOA ) and other applicable federal and state laws. I respectfully request a clear explanation of the basis for the denial of my application and information regarding any alternative options available to me. I am seeking : A written explanation of the reason ( s ) for the denial. Assurance that Comenity Banks policies and practices comply with anti-discrimination laws. Consideration for a fair opportunity to apply for credit based on my financial situation and creditworthiness. Please respond to this notice within [ reasonable timeframe, e.g., 15 business days ] from the date of this letter. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #18103587 about?
Complaint #18103587 was filed against Bread Financial Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-12-02T12:00:00-05:00.
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 reporting or other personal consumer reports) 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.