Consumer complaint received 2026-04-29 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: GA

Complaint narrative:
I applied for a saks fifth XXXX on XXXX online. I was pre approved for {$7000.00}, and contacted customer service since the status showed that it was under review. I was transferred to the account protection team who informed me that they needed for me to email documents to verify my identity due to the fraud alert on my XXXX credit file. I was given an email address : XXXX I emailed the front/back of my drivers license along with my utility bill. I called customer service on XXXX and was told that I was approved on XXXX with a credit limit of {$16000.00}. I then asked if my mailing address could be updated to my XXXX XXXX XXXX. They transferred me to the account protection team and I talked to several rude employees. Every employee that answered the phone was rude, unprofessional, incompetent, had a nasty attitude, and yelled at me on the phone. All behind me asking to update my mailing address which was unacceptable. An employee put a ( block ) on my new account and then told me that I need to email them a document with my XXXX XXXX XXXX on it. I emailed the front/back of my drivers license along with my bank statement. I was told on XXXX that my account was closed because the team that reviewed the documents couldnt verify my documents. How can they not verify my documents when I sent the exact same drivers license along with a bank statement from my XXXX XXXX XXXX? All of my documents are valid documents and they LIED like they couldnt verify my bank statement. Every time that I call the account protection team, Im alwaysgetting an agentfrom overseas thatdoesn'tspeak English whodoesn'tunderstand what Im asking. Or an agent thatsoundslike they are working at home with kids, carsounds in thebackground, and whoactlike they hate working at this company. Then the account protection team thatreviewsthe documentsarean internal team andareplaying games with my documents. My brand new account was closed for no reason and when I talked to the account protection team theykepttelling me a letterwillbe mailed to me. I want my account to be re-opened asap, and it is ridiculous that a new customerhasto even be dealing with a situation like this.I also have a express comenity bank credit card that was opened on XXXX and somebody CLOSED THIS ACCOUNT ON YESTERDAY AS WELL XXXX!!!!!!!!!!!! I called customer service and they said somebody closed it due to inactivity on my account from XXXX! Somebody not only closed my brand new saxs fifth XXXX, but they went in the system and CLOSED MY EXPRESS COMENITY CREDIT CARD ON PURPOSE!!!!!!!! This entire ordeal has me extremely upset and I would like for someone from the executive team to assist me with this matter. Im attaching all of the documentsthat Iemailed the accounts protection team to this email. My account was not handled correctly andwhoeverlied like they couldnt verify my documents that I emailed on XXXX be fired immediately. Thank you for your time today and I hope to be speaking with you soon.

Company response to consumer: Closed with non-monetary relief