DeeDee J.

I've had two Comenity/Bread/American Express Cash Back and Bread/Amex Rewards credit cards (touted by them as wonderfully benefitted) for about four months, obtained within a few months from one another. Aside from Bread's many website glitches and outages, the more important issue was their assumption that there was fraud on my fraud-less, undisputed accounts; therefore, after many transactions, my cards were locked. After four phone calls to them, and two snail mail letters from them asking for my response, my rectifying efforts were futile. I was informed of ongoing, days-long investigations, prompted by Bread.

After getting nowhere, I cancelled Account #1. Then days afterward, I cancelled Account #2, which underwent the same scenario as Account #1. They didn't trust my repeated verbal verifications enough to stop investigating a victimless, non-crime, yet they trusted that it was me canceling the accounts. My online access remained normal (and still is), and they trusted me enough to send me emails and bills. The tables turned. I don't trust THEM! They wanted me to snail mail them documented ID proof of a sensitive nature. I refused. The rep said he understood why, due to potential ID theft. That unnecessary risk would have been all mine.

On Account #2, Bread cheated me out of $50 cash back. I was $17 short of earning it, and then the card was locked. I suspect that Bread used such tactics to deny my earned cash rewards; or, they don't like customers like me who pay them in full every month. They're cited 'potential security concerns' or 'irregular transactions,' as excuses to cheat me of usage and cash back. I told the rep that if there are security concerns, it's at their end. As for 'irregular transactions,' I'd already asked them early on to note the type of spending that would be recorded on my accounts.

I've complained to American Express (who unwisely partnered with them), to the Ohio Attorney General, and to Federal agencies about Bread. I've also posted my complaints on multiple consumer sites. A plethora of complaints and '1' ratings are posted on most of the latter. Those ratings are justifiably deserved.

When it became obvious that Coke was not going to change their joke of an incentive, I started throwing the caps away. I still have hundreds of coded caps while hopefully awaiting a better rewards program. My long wait has come to a halt. I consider the remaining caps as trash, and will dispose of those as such. I am not boycotting their product - just their 'lack-of-rewards' program. I'd rather they not have a 'rewards' program at all. They are not obligated to offer us anything; however, what they're offering is laughable. They have the nerve to send spam to my mailbox about logo'd products they're selling, or about sweepstakes that garner zero results. Their email propaganda will be promptly sent to my spam folder until they improve. I"m not so sure that such an improvement will happen during my lifetime.

They sneakily and nefariously want you to sign up for a subscription. The prices posted on their site are subscription prices and not actual retail prices. Those who order would be unpleasantly surprised at checkout. Very misleading. I made sure that I cancelled the subscription post haste. I will never deal with Shoedazzle again.