Consumer complaint received 2023-04-12
Company: Bread Financial Holdings, Inc.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XXXX XXXX I tried to use my credit card at a local store it was declined which I thought nothing of it because the store frequently had problems with their card machine. I got home and private messaged Comentiy Bank, XXXX XXXX XXXX XXXX, OH XXXX received a reply on XXXX XXXX. I called them to find out what was going on. I was told by the woman I spoke to that I had to speak to their fraud dept. She transferred me to them and the young man I spoke with looked at my account and after a few minutes he discovered the the address on my account had been changed by someone, I never received a notice that this was done to my account, which I always get an e-mail when anything get changed on my profile I received nothing. He corrected it and ordered me a new card. I received a new card Around the XXXX of XXXX. After using it 7 time over the next three weeks on XX/XX/XXXX XXXX month to the day my card was denied again. I came right home logged on to my account and looked at my Profile and saw the my address was again changed to a Florida address I called the fraud dept and Spoke to a young woman that told me someone had called to Comentiy bank and had changed my address and when they could not identify the person they closed my account. I was transferred to a young man by the name of I believe he said was XXXX XXXX was on the phone for over 1 hour with him being put on hold many times and finally told that the account was closed they would not issue me a card and if I wanted my account I would have to re-apply. A few days later I did re-apply. Around the beginning of XXXX I received a letter telling me I had to call this number to finish my placation which I did.Letter enclosed. One of the things they asked me was in XXXX you opened a student load and are currently paying it back which bank was it with. Hearing this made no sense to me because the only Student loads with my name on them were the loans that I co-signed for my sons and they were the one paying them back. So I had responded that It was none of the above banks. If you look at my credit history you would see that I had co-signed for many student loans for my children. About 7 days later I received a letter from Comenity bank saying that I was denied because they could not Identify me. I have had that card for a number of years they have all my information ss number, address which has been the same since XXXX, my house number XXXX, and my Cell number which they text me many times when I have a charge over XXXX. You can see on the attached messages that some of them were many day before I even got some kind of response. On Comenity banks web site the page you can sent secure messages It states that they will respond with in 48 hours. Thank You I hope you can help me. XXXX XXXX XXXX XXXX. address XXXX XXXX XXXX XXXX XXXX. XXXX. Tel # XXXX Cell and Text # XXXX. I hope I included everything that you will need you can reach out to me if you have any question. The XXXX was a XXXX XXXX XXXX XXXX. I have destroyed the card so no one could try to use it.

Company response to consumer: Closed with explanation