辣鸡X1,只有3s:卡未到,户先关?结尾有重点!

tldr:不要开x1,不要开x1,不要开x1

最近有张新卡很火叫x1,公司宣传的很美:不需要hp,连银行账户就批卡,而且额度还给的不少

然而最近实测发现x1乃真3s男人也:不仅开卡快,关卡也块

卡都没开始刷,x1先把账户给你停了

图一:11号收到卡

图二:12号收到关卡信

图三:一个transcation都没有就关卡,xswl说有suspicious activity

很明显,x1是玩不起的,看你refer多了4x估计要亏,马上给你关户。这种小银行,还是不要开了,你一旦消费让对方觉得不划算就给你关卡。

遇到这种公司只能向CFPB和BBB file complaint了

传送门:

https://www.bbb.org/

遇到同样被关卡的可以去上面file complaint,我已经file了


需要模板的话这里是我写的(英文水平有限,五分钟码的字语法错误请忽略):

Dear CFPB,

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.

Sincerely
xxxx

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
BOA的例子


Chase的例子

27赞

大数据精准定位薅王,然后关卡 :rofl:

24赞

紧跟护法脚步加入complaint的部队

12赞

refer人4x,还好吧。。这也太小气了。

还是每refer一个人可以4X叠加?(想:peach:?)

3赞

:cold_face: 甚至都没有点数贬值这一说,直接关卡了

3赞

哈哈哈哈哈哈哈,它是不是看到你的名字了。

看第一张图啊,refer一个就给一个月的4x

2赞

这么坑??这什么傻x银行

2赞

感觉你上黑名单了

4赞

+1!跟上!提交!太过分了,一般玩不起得小银行都是不让新玩家来,没见过这种杀老客户以及一笔交易都没发生的客户,太过分了 :boom:

2赞

lol,可以叠加月份,就这么杀了:joy:

2赞

我靠,我昨天刚开的,你早发一天啊,白开了

在doc和reddit上看了一圈 没发现有其他人被关卡review的dp
这个会不会target国人?如果是的话是不是可以官司打起来

5赞

我一个4X都没有也被关了

3赞

嚯 这么狠 那这公司无了呀

2赞

不大气,issue走起

这卡在DOC和reddit沉寂得仿佛不存在一样,大部分评论都是开放申请之前的了。

1赞

我觉得是不是该顺便联系一下国会议员了

@wtfwtf 薅全羊的时刻到了

4赞

总结一下,就是不要开x3

10赞