遇到这种公司只能向CFPB和BBB file complaint了
My name is xxxx and I am filing a credit card complaint against X1 INC. https://x1creditcard.com/. Specifically, I have complaints about the X1 Card provided by X1 INC.
I applied for X1 Card on Nov 5th, 2021 and got approved for a credit line of $34, 500. I received the credit card by mail on Nov 11th, 2021. Since I opened the account, I have not made a single purchase with the X1 Card. However, X1 Inc decided to close my account “due to suspicious activities” on Nov 12th, 2021, only one day after I received the card. In fact, X1 Inc has told me that my account was on hold via text since Nov 9th, that’s even before I received the card by mail.
X1 Inc did not provide any solid justifications on why they are closing my account. The so-called “suspicious activities” is a vague term and really sounds funny when there were no transactions being made via the card.
It is understandable that sometimes a bank would like to verify information with the customer. However, X1 Inc made no attempts to contact me for any information, but simply decided to close my account instead. This practice is unusual and does not conform with industry standards and procedures carried out by other financial institutions when they think there are potentially “suspicious activities”.
On X1 Inc’s website, it promotes the X1 Card as “BEST IN CLASS”. This is certainly misleading given the fact that a consumer’s card is unreasonably put on hold and closed BEFORE the card arrives via mail.
I hereby share my experience here to alert any other consumers like me that might be fooled by X1 Inc and I would like to raise public awareness of the shady practice of X1 Inc.
重点：x1是通过plaid来获取我们的账户信息的，估计这一波就是赚了客户信息过了河就拆桥，大家记得手动revoke x1的权限，要不然x1知道你在哪里花了钱干了什么 此处感谢 @Wall 提供小技巧