Need advice -
So I usually handle my wife's credit card signups, and I handle all finances for our house. Last night i signed up for the BOA Alaska Airlines card. She already has 1, but I know you can have multiples. When she spoke with them this morning, they asked her a couple questions she was unsure of, and they tagged the account as possible fraudulent. We've been going back and forth all day with speaking with the credit analyst department and the fraud department. Finally it seemed that we'd have to prove something in the mail (which we'd get in 7-10 business days), and then it could be approved. However, the credit analyst said my wife could try to convince the fraud department on the phone that it was her, and worse comes to worse, she'd have to wait 7-10 days. The credit analyst emphasized that it wouldn't hurt to try. So my wife called up, got some things right but some things wrong (including things I wouldn't even know the answer to, such as old loans from a long time ago). They then said that we called up too many times today, and they wouldn't even be sending out the form in the mail, but this account was closed. They said the decision was final. Now from looking online it seems they closed her old credit card also. I'm wondering what to do here. I've tried speaking to them on the phone, but even conferenced in with me and her, they wouldn't let me speak to the fraud department. I explained that I'm the one who knows everything about finances of our house, but they said it was BofA policy. Now I'm not sure where to go from here, as there obviously is no fraud here, but I don't want them closing out all of her accounts (which hurts her credit). Any advice, I've never had this happen in the last 5 or 6 years of this. They were asking a lot of questions about her identity that were very, very specific (about charges on specific days, something an average person wouldn't remember). We followed each person's instructions today, but kept having to call up when the the credit analyst department said things that the fraud department said were not true (this happened on 2 occasions today).