I recieved a prequal offer via snail mail. Not really believing I'd be approved, to my shock I was with a decent line of credit. I used my card once and paid the bill before the end of cycle. I went to use again for Christmas and I inadvertently spelled my name wrong ( ok, no biggie right ? wrong) they immediatly froze my card for suspected fraud. I called the following day and was transfered to the fraud team where they informed that they (Fraud Department) would mail me a letter and forms. The only thing I recieved was an e-mail to call the fraud department. I waited a week ( I already spoke to fraud) and not recieving any other communications (phone, maiol,e-mail or account messages) called them back to again attempt to resolve the issue. I was politely told that I could mail or e-mail the following, my Drivers Liscence, front and back, my social security card, front and back and a utility bill with my address. I e-mailed them all using my cable bill as my utility, we dont have gas, we have well water, and electric is in the wifes name. I never heard back from them. When I made multiple attempts to call them thru customer service, all I could get was automated service, this was the first time I couldnt speak to an actual person, and was informed by A.I. that my account was closed goodby. I eventually found a number to the Fraud Department and was informed that my cable bill was NOT A UTILITY BILL and so the Bank (Comenity) closed my account and I will need to reapply for a card again. I was never told what was and what wasnt a utility bill, I was never contacted and told to resubmit using a bank statement, I was never told they closed my account, I was never cummunicated to by them AT ALL. Ever hear the expression "too good to be true" well that is Comenity and the Breadbasket Amex. I will never reapply, it was the biggest mistake I made over the 2022 year to accept the offer. My recommendation is to stay away from Breadbaskit like it was the plauge. If a BBB complaint could be made I would, but banks are free to do what they want sooooo.
