Credit card or prepaid card -- Getting a credit card -- Complaint #7185630
Complaint Overview
Complaint ID: 7185630
Company: Clgf Holdco 1, LLC
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Application denied
State: California
ZIP Code: XXXXX
Date Received: 2023-07-01T12:00:00-05:00
Date Sent to Company: 2023-07-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I applied for the Destiny credit card issued by First Electronic Bank and provided the documentation they requested to verify my identity, when I called to ask about the application status. I received another request over the phone to supply a utility bill for identification, even though there was no written request for this information, had I not called I would have not known about this missing information. The process took more than two weeks. I then received an email on XX/XX/XXXX letting me know that my application was denied, because " Unable to contact you per alert on your credit report. '' They called ONCE, and I missed the call, and they made no further efforts to contact me again, or to leave a voicemail so that I was aware they were trying reach me, and I was unaware what number they would be calling from as well. I had also called them multiple times to verify my information, from the number listed on my fraud alert. This organization is not following the law and complying with fraud alerts adequately. A fraud alert is a security measure consumers can take to protect their personal information, requiring proper verification of credit inquiries. These inquiries should be properly handled so that fraud alerts can protect both banks and consumers, and should not be used as a reason to deny applications or discriminate against these applications that require lawful measures of security and protection.
Frequently Asked Questions
What is Complaint #7185630 about?
Complaint #7185630 was filed against Clgf Holdco 1, LLC regarding Credit card or prepaid card specifically about Getting a credit card. It was received by the CFPB on 2023-07-01T12:00:00-05:00.
How did Clgf Holdco 1, LLC 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 Clgf Holdco 1, LLC?
Yes, visit the Clgf Holdco 1, LLC company profile at readthecomplaint.com/company/clgf-holdco-1-llc 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.