Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I applied for a pre-approved XXXXXXXX XXXX Reward Visa Card with Comenity Bank. After submission of the pre-approval application, the screen stated ( see pic ) that my application is being reviewed and I will be contacted by mail within 7-10 business days. That time has passed, and I have not been contacted by Comenity. In addition, a couple months back, I applied for a pre-approval for the same card. Received the same " reviewing '' notice after submission of the application. Again, I did not receive any responses nor was I contacted by Comenity. Prior to that application, I had applied to another pre-approval offer for the same card, in which i was told they could not verify my address. However, the last two pre-approval applications were corrected, in the offer, to show my current address. So those were no flaws or issues with those applications I have been dealing with this bank since XXXX of XXXX. They have made hard inquires on my credit, while at the same time telling me that my credit is frozen. They removed three inquiries that they made, but refused to remove one that is still on my XXXX report.... while at the same time being unable to explain what happened to the information they pulled, nor how they could make a hard inquiry for a report that they say was frozen. They refuse to answer or provided possibilities on how that could happen. 

The only recourse for a customer is to send inquiries via USPS. Unfortunately, when i do that, the responses from Comenity never address the issues nor answer the questions of concern. So a customer would be required to keep writing letters, mailing, and waiting for continued responses that would never address the customer 's concerns, nor answer their questions. It feels as if they are waiting you out, so you just give up. 

In fact, I am so XXXX at this point to apply ( without a pre-approval ) for this card, because I am concerned that the bank will make hard inquires and then again tell me that my reports are frozen. Without being able to explain how that could be possible. OR they will come up with some excuse about submitting a second application within a pre-approval application window, while still making hard inquiries on my reports for both applications. They literally make it so you avoid applying for a card that you want, based on their lack of information, explanations, and avoidance via phone calls. 

All that said..... I WANT to know why i have not heard back from XXXX XXXX it pertains to my pre-approval application dated XX/XX/XXXX, and the pre-approval application that i sent prior to that one. As far as the other concerns ... I know Comenity will not address those issues, nor admit fault, so I am not even going to push. In fact, I seriously doubt that they will address their lack of response to my last two pre-approval applications. It has really become a source of unnecessary frustration. This bank has issues.

Company response to consumer: Closed with explanation