I debate this as I hate making complaint post, but feel I need to put it out there for those considering this card.
I applied in May and instantly approved for $2k CL. Waited 2 weeks - no card arrived so I called to find out what happened & to request a new card. Verified DOB, SSN last 4 digits and the ending 4 number of the card (which is available through email). The rep said they will send out a new card, no problems.
However, I had a hunch so I decided to ask them what address they have on file and apparently, I must have fcked up and put my work city (which is 5 miles from where I live but it has different zip code). So it goes something like -
Correct Street address,
Correct Apt#
Wrong city wrong zip
I told them that was the wrong address. The representative said they needed to transfer me to customer security for more details - sure, good practice and no problems.
The lady on the security lines picked up and started asking questions, but sounded extremely annoyed and rude & was constantly cutting me off before I could properly explain the situation.
One of the questions she asked was my mother maiden's name (which I assume is the security question when I applied), so I responded. Admittedly, my mother has a "foreigner" name so the CS said "spell it." So I spelled it.
Then she gave me no responses until I asked "was that correct or is there a problem?"
CS: That's not the point
Me: Excuse me? (????? then what is the point)
CS: Then why did you put the wrong address?
Me: (proceed to explain story) I work as A at X, which is in the neighboring city of my residence. When I filled out the application, the autofill must have filled in the city & zip code based on my name or something else. I admit this is fully my fault and if there's any further question you--I will be glad to answer.
CS: (no response)
Me: Do you have any other questions?
CS: We can't accept this because of security concern, you will need to send in SSN, bills etc to customer security at...
Honestly, I'm totally fine with sending in additional information and appreciate their concern for identity/security, BUT, there was no need to be so rude and demeaning.
Fast forward, I prepared the documents but before sending in, decided to call to confirm/verify their address.
Welp, they gave me a completely different address and said "all complaints need to go here."
I tried to explain that I wasn't sending any complaint letters, "I'm sending in my document to verify my identity."
Their response? Still need to send here.
So I sent verifying documents a letter requesting address change and that a new card be sent there.
Then weeks later came their letter (addressing to the correct address that I requested to change btw) stating nothing but "we can't approve of your request, please call the number at the back of your card if you have further questions."
Welp, how the heck was I suppose to call the number at the back of the card when I hadn't had the card???
So then I called their general CS line again explaining situation for the third time.
Surprisingly, this lady was nice enough to listen to my story and I verified correctly the address, security questions and all that fun stuff.
In the end, they did send out a card to my correct address after almost 2 months and many conversations back and forth.
Of course, this started because of my fault, but even then, I had been given very inconsistent answers/treatment and generally speaking, a bad experience (save for the third lady/call).
So yeah, decent card with some good cashback perks, but if you want to look for consistently good customer experience, I recommend you looking elsewhere.
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- 5 years ago
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