Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bilt Technologies, Inc.
State: AZ

Complaint narrative:
I am opening another complaint as complain/case XXXX was closed. The company allegedly responded claiming that they have provided me more insightful information as to WHY I was denied for this credit card. Yes, it is correct that I have received endless emails stating that the reason for decline is unable to verify identity. Any additional email shared repeatedly stated unfortunately we are not able to provide additional details beyond what was previously shared. NOTHING was previously shared. Under federal law, I am entitled to a written explanation with specific details as to why I was denied. I also obtain the right to dispute inaccurate information, but if XXXX never provided insight as to WHAT information was not validating my identity, I can do nothing to fix this. I also stated multiple times how illogical it is to request me to apply again in XXXX days when the same exact thing would happen because I have no adverse action to take when I dont know what the root problem is. The response facilitated from the organization ( BILT ) does not encompass any valuable information that I am requesting through this complaint. The first complaint shouldve never been closed because they never provided any additional information. My experience with this application has been defined by a total lack of accountability caused by a deeply fragmented corporate structure. By operating as a disjointed triad, Bilt Rewards, XXXX, and XXXX XXXX. have successfully created an environment where the consumer is perpetually trapped in a cycle of evasion. Each entity systematically deflects responsibility to the othersCardless claims to lack the information, the bank remains inaccessible to the public, and the program manager remains detached from the underlying financial operationsresulting in a complete abandonment of professional standards. Being told by front-line support that no managerial escalation exists is not only an absurdity that highlights a broken organizational hierarchy, but it also serves as a deliberate barrier to resolution. This game of shifting blame is not just frustrating ; it is a fundamental failure of institutional integrity that leaves applicants without a path for recourse or clarity. I am requesting that the CFPB facilitate the following : A formal, written Adverse Action Notice from Column N.A. that identifies the specific reason ( s ) for the denial of my application. If the denial was based on information from a credit reporting agency ( CRA ), I demand the name and contact information for that CRA and confirmation that I have been granted my right to a free, supplemental credit report as required by the FCRA. A direct response from a qualified representative of the issuing bank, XXXX XXXX, regarding why their internal verification processes are inaccessible to the applicant and why no managerial escalation path exists for consumers attempting to rectify these issues. I am seeking a prompt resolution to this matter, as the lack of transparency regarding my personal credit identity is both unprofessional and a potential violation of federal consumer protection standards.

Company response to consumer: Closed with explanation