Credit card or prepaid card -- Getting a credit card -- Complaint #6332939
Complaint Overview
Complaint ID: 6332939
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: Delay in processing application
State: Ohio
ZIP Code: XXXXX
Date Received: 2022-12-17T12:00:00-05:00
Date Sent to Company: 2022-12-17T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I applied for a credit card with Commenity Bank. The credit card was for XXXX XXXX XXXX XXXX. Commenity bank said they could not help me because all my credit bureaus are frozen. This is not true my credit bureaus have never been frozen. I have called commenity 22 times to work this out. Now has hit my credit bureau twice but claim they have not because its frozen. I have sent proof with this complaint. My credit score has lowered 22 points because of commenitys errors. I would like my XXXX credit card sent to me as I have great credit and income. And my Bureaus are not frozen. Ss # XXXX d/o/b XX/XX/1967
Frequently Asked Questions
What is Complaint #6332939 about?
Complaint #6332939 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 2022-12-17T12:00:00-05:00.
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.