Credit card or prepaid card -- Unable to get your credit report or credit score -- Complaint #4703882
Complaint Overview
Complaint ID: 4703882
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score
Sub-Issue: Other problem getting your report or credit score
State: New York
ZIP Code: 10469
Date Received: 2021-09-08T12:00:00-05:00
Date Sent to Company: 2021-09-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I applied for a credit card in the summer of XXXX. I was denied a credit card by Comenity Capital Bank. On XX/XX/XXXX, my attorney wrote a letter to the bank requesting a copy of my entitled credit report and the bank did not give me a copy of my credit report it used to deny me a card
Frequently Asked Questions
What is Complaint #4703882 about?
Complaint #4703882 was filed against Bread Financial Holdings, INC. regarding Credit card or prepaid card specifically about Unable to get your credit report or credit score. It was received by the CFPB on 2021-09-08T12:00:00-05:00.
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.