Bread Financial

I have sent 4 messages through the Website, Zero response. I surprising was about to Use my Bread American Express Card and declined. I went onto Breads credit card website, saw I had a message. Im like that is weird. I dont think I ever used those card. On 6/30/2023, I went on the site. I plugged in my income because I was going to start using the card. Just upsetting, I dont go in crazy debt with Bread and I get my card taken away. I have three other American Express Cards. Platinum, Cash Magnetic and Blue Cash Preferred Card, plus your Bread card would make four. I wish I got a heads up. I never received an email or anything, stating please use your Bread Card or Lose It. A Heads up would be Ethical, great Customer Service. No, your Card is inactive because of Use. Previously I stated I have three other American Express Cards. I used the Platinum 1 or 2 times at the most. I use the Cash Magnetic and Blue Cash Preferred Cards as my daily American Express Cards. I was saving the Bread American Express just incase a rainy day would fall. But on 6/30/2023, I was checking everything was fine and I was planning to use it. 20 days latter you close my account for use. I apologize I should have put some recurring bills on that card and paid them off monthly. Yes, this is my fault. But again, I dont think holding a Card for a rainy day is not awful and did not warranted closing of said account. I just dont get it. Like I said, this happened 1 other time and it was Jc Penny but they sent me a email. Email said, use your card before this date and we have zero issues. I used the card and I still have it. No other cards have done me like this. I have sent multiple messages, responses to the Message. On the message itself. It says someone will contact you within 24 hours. No contact, nothing, I try calling. It says, we cant reinstate your card in a robot voice. I know banks can reinstate cards if you connect them right away like I did, I talked to a couple friends. They told me about card reinstatement. I am asking politely if my card can be reinstated. This is the Ethics Department. Ethically, do you think a Credit Card Company should cancel your card because of inactivity in use or should the Credit Card Company believe in great Customer Service and warn a card holder first. Crazy, because if Bread sent me a message saying, Please use you card or we will cancel it. I would have said to myself, what an awesome company and I would use the Card even more. I appreciate great customer service like that. I was not mad a JcPenny sent me that email. I was happy they did not do what Bread did to me. Super upset. This could have been all resolved through a simple email, stating please use your card or be at risk of Bread cancelling it. Ethics Wise, that is a dilemma. I have heard people say, cards were taken away for non-use but never believed them, until now. If there is anything i can do or you can do to reinstate my Bread Financial American Express, please let me know. Ughh. So Happy with American Express, they never did me wrong. Been such a good customer for so long.

I assume that any positive reviews you read about Bread Financial are from shills. All negative posts should be believed, including mine. Ive had a Bread Cash Back credit card for about four months. Aside from their many website glitches and outages, the more important issue is their assumption that there was fraud on my fraudless account; therefore, my card was locked three times, and unlocked twice. After three phone calls and one snail mail letter, my rectifying efforts resulted in them constantly kicking the can down the road. I was told of ongoing investigations, prompted by them, not me. The last communication from them (via snail mail letter) asked me to call them within 30 days, or the account would be closed. I called immediately after receiving the letter. Again, the can was kicked pending further investigation. I told them to close the account, called them deplorable, and added that they earned their many negative online reviews. I have a second fraudless Bread credit card under investigation, which is about to cheat me out of $50 cash back. I was $17 short of earning it, and then it was locked. I expect this account to undergo the same scenario as the aforementioned. To me, principle is worth far more than money. Most likely, Ill also cancel the second account. I expect that Bread is using this tactic to claw back any earned cash rewards. If so, Ill be happy to reimburse them. I'll pay back this bank so as to maintain their distance as far away from me as possible. As an addendum, my complaint includes their savings account, which is untenable. Im so happy that I dont have to worry about the $3 remaining in my account. Bread is welcome to it.

Before all the *** they offer you, before any contract you sign with these scoundrels, read in detail everything you sign with these thieves, absolutely everything to the last word, they will steal from you and apply dozens of hidden fees. they will close your account without notifying you and the late fees are monstrously high, I think they are the highest I have ever paid, and that's because I was one day late with the payment, and of course, being greedy, they didn't want to give it back to me, even though I have been paid daily for whole months, the customer service staff are very friendly and will laugh in your face at any complaint. these guys are totally unprofessional, thieves and scammers. My advice, I have had a lot of unpleasant experiences with these thieves, use any other bank and stay away from these scammers

Before all the *** they offer you, before any contract you sign with these scoundrels, read in detail everything you sign with these thieves, absolutely everything to the last word, they will steal from you and apply dozens of hidden fees. they will close your account without notifying you and the late fees are monstrously high, I think they are the highest I have ever paid, and that's because I was one day late with the payment, and of course, being greedy, they didn't want to give it back to me, even though I have been paid daily for whole months, the customer service staff are very unfriendly and will laugh in your face at any complaint. these guys are totally unprofessional, thieves and scammers. My advice, I have had a lot of unpleasant experiences with these thieves, use any other bank and stay away from these scammers.

Use Synchrony bank cards ONLY: COMENITY despises their customers and thinks we are ALL IDIOTS: The lies, fake payment system "glitches" that will not allow customers to get through, charging fraudulent "late" fees, and denial of service issues. IF you complain, or try to get them to do the right thing, they notate it in your file and bombard the client with harassing phone calls from the South Pacific, Mexico, Caribbean, etc. (everywhere except America). Additionally, if the company was trying to be honest, they would allow you to speak to someone who has the authority to stop the fraudulent treatment...and need for consumer law suits against them.