Consumer complaint received 2023-12-12
Company: Bread Financial Holdings, Inc.
State: HI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Comenity Capital Bank XXXX XXXX XXXX XX/XX/XXXX What would be fair : Comenity Capital Bankss offer ; assist thru the end of completion of all documents & application process, to final approval, necessary so everyone is in compliance, to reach approval. 
I have a XXXX score as of XX/XX/XXXX XXXX of XXXX, per XXXX Card Member Since XXXX & per XXXX XXXX Card Member since XXXX. 

The Hawaii Major Disaster Declaration signed by the President of the United States., Is to help people restore their lives quickly. Address, identification, mail; following the Patriot Act Section 326. 
Most all XXXX  rural outer Islands are all No Physical Carrier Mailing Service to a physical address, services by Federal Law are to be free, when un-serviceable. I have been complying with the Patriot Act since enforced. 

So, you can understand the XXXX lifestyle : The worst of Hawaii, no mail to a physical address by the USPS therefore by Federal Law we are not charged, blocked phone service by terrain infrastructure, no water - drive to a well spigot & haul it, collect rain water to shower/bath, no trash service. All sandals, clothes, soap, shampoo, razor blades, dog, cat food, this month & every month out of stock, some expensive high end can be found, some can not. In exchange XXXX experience 365 days of warm summer weather and a XXXX Hurricanes Season. 

To open a Credit account, requires verification to a physical address. Ive been going thru this with all my credit cards, must be initially mailed to a physical address, whether receivable or non-receivable. 

I do not have the Comenity Capital Bank XXXX XXXX #, please provide it. 
I need an application # to follow your compliance of the XXXX XXXX, for return to sender. 
All calls on XX/XX/XXXX to the only Comenity Capital Bank numbers XXXX and XXXX, do not have anything under my Social Security #. An additional phone number to be provided would be helpful to all. 

I would like to apply, or apply again for a Comenity Capital Bank XXXX XXXX. 
I have never provided proof of my physical address, have no way. 
Please use this phone number XXXX for the application, used by all other banking institutions, and XXXX, XXXX, XXXX, XXXX, & XXXX. 

We are instructed by the CFPB not to provide any personal information. 
I welcome the quickest way to resolve, Im uploading numerous proof ; Drivers License, Social Security XXXX County of Hawaii Assessor Finance & Real Property Tax, XXXX XXXX per DEA Federal Controlled Substances Act, Quick Claim Trust, Utilities service, USPS no charge non-servable. 
My Trust is 2 dozen confidential pages. XXXX XXXX needed it, I sent a short form. 

XXXX extremely happy you can & are willing to help enter the Application process, due to being blocked by XXXX mountains from phone reception and a damaged infrastructure. 
XXXX, willing to take a chance, to get the application completed in the quickest way. 

Attachments are my personal information documents as proof of physical address compliance. 
XXXX XXXX Physical Address DEA Compliance CoH Assessor Dept of Finance XXXXroperty Owner Site Address CoH Assessor Real Property Tax Property Address Parcel ID XXXX XXXX XXXX Address Bureau of Conveyances Quick Claim Parcel ID Exhibit A land situated Driver License Physical Address Social Security & Mailing Address USPS {$0.00} service charged Notice some documents have no city & zip code which is really the truth, I have none. 
I took me over XXXX years to finally learn, to follow the County of XXXX  XXXX XXXX XXXX I have no city and zip code. 
My physical address city & zip are manipulated by XXXX, XXXX XXXX any many, as the data base they use is USPS, which indeed is no such address in their data base. Therefore, I have been accused of Conduct & Fraud endlessly. Bureau of Conveyances uses no address only land situated. 
Providers must manipulate my street address to be accepted, using XXXX XXXX XXXX XXXX, which is legit. XXXX XXXX XXXX XXXX, is 100 % XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is most correct. 

My situation will begin repair, when I can start proving myself, and be believed by all, at age XXXX. 
Thank you for the help, as Hawaii is very different, for many to understand. So different XXXX  XXXX  claims Hawaii is a US Territory, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX say I have no rights, do not live in a State. 

Thank you

Company response to consumer: Closed with explanation