ComplaintsforX1 Inc.

Credit Card Processing Services

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Initial Complaint
09/20/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Reporting fraud there was a fraudulent credit card opened under my name and under my personal information with X1 that I did not open I am a victim of a data breach that occurred in 2021 from T-Mobile where all my personal information was stolen and I have that letter from T-Mobile I am also not associated with the payment methods that were used to make payments on this credit card I am not associated with the ***** account that ends in 8381 I am not associated with the *************** account that ended in 1358 and 2925 I have all three letters from all three financial institutions confirming I never opened those bank accounts According to ******************** theyre saying that I am responsible because of selfies that were used to open the account Selfies can be AI generated using deep fake software like face swap for example I am not responsible for this credit card and I am not responsible for the balance on this credit card nor will I pay a single ***** of any amount thats owed on this credit card I need X1 to investigate this and find me not liable for this account
Business response
09/26/2024
In the interest of the privacy and protection of our customers, we responded to the customer about their comments by contacting the customer directly on September 26, 2024.
Customer response
09/27/2024

Complaint: 22315542

I am rejecting this response because:

Sincerely,

******** *******
Im not associated with any of the bank accounts that were listed on this credit card card I have proof from ***** and ***************
I am not associated with the phone number ************ that was a fraudulently opened T-Mobile account which was confirmed by T-Mobile to be fraudulent
I never received any credit card sent to my address and I cannot verify that X1 actually sent the credit card to that address
The reason why my current phone number matches this account is because I sent x1 email to dispute the account And they went ahead and updated the phone number on the account
The application address can match my address but the cards can be mailed to a different address
my identity was verified using my license which was exposed in a data breach And a three point selfie was taken which can be easily fake using deep fakes like face swap
I am not responsible for the debt on this credit card nor will I pay a single ***** so I advise X1 to help me held not liable for this debt
Business response
09/30/2024
In the interest of the privacy and protection of our customers, we responded to the customer about their comments by contacting the customer directly on September 30, 2024.
Customer response
09/30/2024

Complaint: 22315542

I am rejecting this response because:
I am not associated with the phone number that was listed on the account application that was used on the account
KYC verification can be fake using software like deep fame faceswap Which explains the selfies and drivers license can be fake as well
I am not associated with the payment method that were used on the account I am not associated with the phone number that was used on the account
This is not a lot of money the issue is I never opened the account I cannot pay for something I never opened and I will not pay this debt that is owed plain and simple

Sincerely,

******** *******
Initial Complaint
08/28/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
This credit card company has deceptive business practices. I am a consumer with a credit score of over 800. I did not use their X1 card for some time (but when I did, I always paid promptly, as I do with my other cards). Yet, without warning, they decreased my credit limit from over $30,000 to $100, citing inactivity. They refused to reset my credit limit after I contacted them and explained I would be willing to use the card again, citing their fine print, which was not made clear during the application process. If I had known this was the way they ran their business, I would have never signed up. Obviously, this will have a negative impact on my credit score, which I have been working hard at keeping pristine. I have had inactivity on other cards, but those companies would always warn me before any changes, so I could keep the card active- I assumed that was standard practice. Please make sure they suffer the consequences for inflicting undo harm on a responsible consumer such as myself and prevent them from doing this to others.
Business response
09/05/2024
Thank you for bringing this matter to our attention and for giving us the opportunity to serve you. Robinhood has thoroughly researched the concern and responded directly to the individual initiating the inquiry accordingly on 09/05/2024. If you have any further questions or comments regarding this matter, please do not hesitate to contact us at ********************************
Customer response
09/05/2024

Complaint: 22208263

I am rejecting this response because:
This is not standard practice for most legitimate credit card companies. Inflicting credit score damage on consumers with outstanding/hard earned credit, by lowering a credit limit from over $30,000 to an insulting $100, without even a SINGLE warning email/text/letter (as a typical credit card issuer would do) is unacceptable business practice, despite any fine print in the agreement (which, lets face it, is seldomly read). Furthermore, this company seems to be accustomed to dealing with complaints, as the agent who responded to my inquiry actually referred to me by someone elses name- I am assuming this was a copy/paste email meant for for another individual with the same issue. My friend warned me that Robinhood acquiring X1 was going to be problematic- and boy, was he right!! Beware consumers- stay AWAY from X1 and any Robinhood affiliated companies!!

Sincerely,

S
Business response
09/06/2024
In the interest of the privacy and protection of our customers, we responded to the customer about their comments by contacting the customer directly on September 6, 2024.
Customer response
09/06/2024

Complaint: 22208263

I am rejecting this response because:
The private response they dont want shared publicly is not adequate for explaining why they give zero prior notice for drastic credit limit decreases secondary to intermittent card inactivity, whereas any other reputable card company would. Please finalize/post this complaint on the BBB website so consumers are made aware to steer clear of this sketchy company.
Initial Complaint
07/18/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I recently reviewed my credit report and found an unauthorized account listed under ********************** I am a victim of identity theft and have filed a complaint with IdentityTheft.gov. Please find the enclosed copies of my complaint.Creditor Name: X1 *** Opened Date: 12/17/2021 Account ****************** Credit: $23,395.00 I request that this account be removed from my credit report as it does not belong to me.
Business response
07/26/2024
In the interest of the privacy and protection of our customers, we responded to the customer about their comments by contacting the customer directly on July 26, 2024.
Initial Complaint
07/03/2024
Complaint Type:
Product Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I tried to make a purchase on July 2nd 2024 at Nordstrom on *************** in ****** ** for the amount of $1955.00 using my X1 credit card but the transaction was denied. I contacted their customer service Department and I was told that it was due to their "Fraud Protection System". I am thankful that X1 cares about their customers security but now I know that I can not count with this card to make higher purchases due to their Fraud Protection system. How would I know that this is not going to happen next time? The main reason why I wanted to use the card was because of their boost point promotion (3x) that I was supposed to received when paying with my phone. To me, these guys declined the transaction with the goal of not allowing me to get all the extra points. Not happy with the service that I received from their customer service ***** they didn't even bother to contact me by phone, all of their communication happened via text. i would like for them to give me the points that I was supposed to obtain with that purchase but that I couldn t received due to their "Fraud Protection System". Why advertised points if they will not let you obtain them. There message is very misguided and provides fake advertisement.
Business response
07/11/2024
In the interest of the privacy and protection of our customers, we responded to the customer about their comments by contacting the customer directly on July 11, 2024.
Initial Complaint
06/27/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Reporting information on a consumer's credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report. Because my privacy rights have been violated, am demanding the company block and remove the accounts permanently from my consumer report not later than 4 business days after such information that I have provided . Accounts :********************** INC7**** Date Account Opened 5/1/2023
Business response
07/01/2024
In the interest of the privacy and protection of our customers, we responded to the customer about their comments by contacting the customer directly on July 1, 2024.
Customer response
07/01/2024

Complaint: 21913958

I am rejecting this response because:

Their response does not address the core issue I raised: the inaccuracies in my credit report.
Despite the company's claim, the information reported to the credit bureaus remains inconsistent and incorrect. As per the Fair Credit Reporting Act (FCRA), I have the right to ensure that the information on my credit report is accurate and complete. Specifically, I have identified the following discrepancies:
Different Dates for Late Payments: All three major credit bureaus (Equifax, Experian, and TransUnion) are reporting different dates for late payments.
Mismatched Information: The information reported does not match across the bureaus, which affects the accuracy of my credit report.
I have attached screenshots highlighting these discrepancies for your reference.
Under the ***** I request the following actions to resolve this issue:
Permanent Removal of the Account: Due to the persistent inaccuracies and the failure to provide consistent and accurate information, I am requesting the permanent removal of the account in question from my credit report.
Notification to All Credit Bureaus: X1 Inc. should notify all credit bureaus of the removal of this account to ensure my credit report is accurate across all platforms.
I respectfully request that the BBB assist in ensuring these steps are taken to rectify the inaccuracies on my credit report. If the business fails to address these discrepancies and remove the account, I will have no choice but to pursue further legal action to protect my rights under the FCRA.
Thank you for your attention to this matter. I look forward to your prompt response.

Sincerely,
*****************************
Initial Complaint
06/14/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Subject: Complaint Regarding Unauthorized Account on Credit Report Dear Better Business Bureau,I am writing to formally file a complaint about an unauthorized account that appears on my credit report, which I believe was opened fraudulently.Details of the Unauthorized Account:Creditor Name: X1 *** Opened Date: December 17, 2021 Account Number: X** I was alarmed to find this unauthorized account with ********************** *** listed on my credit report. I have never entered into any agreements or authorized the opening of any accounts with ********************** This discovery indicates identity theft, and I am deeply concerned about its implications for my financial security and credit rating.Upon noticing this account, I promptly contacted X1 *** to dispute its legitimacy and demanded its immediate removal from my credit report. Unfortunately, their response has been lackluster, with little to no progress made toward resolving this issue.This unauthorized account misrepresents my financial behavior and jeopardizes my credit standing. Therefore, I am seeking the assistance of the BBB to ensure that this matter is resolved with the seriousness and promptness it requires. I request that X1 *** provide any evidence of my supposed authorization, promptly remove this fraudulent account from my credit records, and implement measures to protect my personal information from further unauthorized use.Thank you for your attention to this urgent issue. I look forward to your support in resolving this matter effectively and safeguarding my rights as a consumer.
Business response
06/21/2024
In the interest of the privacy and protection of our customers, we responded to the customer about their comments by contacting the customer directly on June, 21, 2024.
Initial Complaint
05/24/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Opened my card with X1 Card when I opened I signed the agreement saying that I will not be responsible for any unrecognised fraudulent activity and now theyre literally saying that I am responsible for fraudulent activity
Business response
06/06/2024
In the interest of the privacy and protection of our customers, we responded to the customer about their comments by contacting the customer directly on June 6, 2024
Customer response
06/06/2024

Complaint: 21757671

I am rejecting this response because:

the the response was against the fcba
Not accepting a fraud dispute on a credit card is a violation of the Fair Credit Billing Act (****). The **** provides protections for consumers against unfair billing practices and sets guidelines for disputing billing errors, including unauthorized charges. Under this act, consumers have the right to dispute fraudulent charges, and credit card issuers are required to investigate and resolve such disputes in a timely manner.
Sincerely,

***************************
Business response
06/07/2024
In the interest of the privacy and protection of our customers, we responded to the customer about their comments by contacting the customer directly on June 7, 2024.
Customer response
06/08/2024

Complaint: 21757671

I am rejecting this response because:
they Didnt provide any response for the denial

Sincerely,

***************************
Initial Complaint
05/17/2024
Complaint Type:
Customer Service Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable for this debt with X1 ***** I do not have a contract liable with X1 inc. I am a victim of identity theft and hey did not provide me with the original contract as requested.
Business response
05/30/2024
In the interest of the privacy and protection of our customers, we responded to the customer about their comments by contacting the customer directly on May 29, 2024.
Initial Complaint
02/12/2024
Complaint Type:
Product Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I have a credit card with X1. I have had two additional physical cards and two additional virtual cards. All 3 physical cards have been perfectly fine, however both virtual cards were compromised. 8x total $99.99 transactions (totaling $799.92) were made on both cards that I did not authorize or recognize. I disputed all fraudulent transactions with X1 as soon as I noticed them. All disputes were denied without any reason given. I asked for the disputes to be reopened and my request was denied. I asked to be provided with any evidence that was used in this determination and my request was denied. I asked for this matter to go to arbitration and my request was denied. I asked for a copy of my signed Agreement and my request was denied. I asked for a contact phone number to escalate the issue and I received no reply.
Business response
02/21/2024
In the interest of the privacy and protection of our customers, we responded to the customer about their comments by contacting the customer directly on February 21, 2024
Customer response
02/26/2024

Complaint: 21283408

I am rejecting this response because:
The business contacted me directly via email. In the email, they only reiterated what they have already stated which is that they will not offer any assistance and they will not escalate my concern further which is legally required by *****. I will continue to escalate this issue as this business is not following proper dispute resolution procedure as outlined by *****.

Sincerely,

*************************
Business response
02/29/2024
In the interest of the privacy and protection of our customers, we responded to the customer about their comments by contacting the customer directly on February 29, 2024.
Customer response
02/29/2024

Complaint: 21283408

I am rejecting this response because:
The most recent BBB response from the business was that they contacted me on 2/29/2024, however that is not true. I received an email from the business on 2/26/2024 stating they would not be assisting any further with this matter. I replied to this email on the same day asking for more information and I have not received any response since. It is my observation that the business has falsely claimed they have contacted me when they in face have not. I continue to believe that the business has violated Reg Z in regards to processing my disputed fraudulent transactions. I will continue to pursue this matter until the fraudulent transactions are properly addressed as required by law.

Sincerely,

*************************
Initial Complaint
02/05/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am writing to file a complaint against x1 credit card. I applied for and was approved for a credit card. I used the card responsibly and made all of my payments on time and in full. The card offered a rewards program that gave me 4x points back on certain purchases( after $1000 spend) .I was able to earn 2x points without any problems. However, when I started earning 4x points, my transactions were declined without any reason.I contacted x1 multiple times to inquire about the reason for the declines. They were unable to provide me with a specific reason and told me that it was due to "suspicious activity." I assured them that there was no suspicious activity and that I was using the card for legitimate purchases.I also informed them that I would be filing a complaint with the BBB if they did not resolve the issue. In response, they closed my account and revoked my rewards points.I believe that x1 has acted unfairly and in violation of my rights as a consumer. I am requesting that the BBB investigate this matter and take appropriate action against x1.Thank you for your time and consideration.DATE: 02/06/2024 COMANY : ********************** c/o X1 Inc.P.O. Box ****, PMB ***** *************, ** *****
Business response
02/15/2024
In the interest of the privacy and protection of our customers, we responded to the customer about their comments by contacting the customer directly on February 15, ****.
Customer response
02/15/2024

Complaint: 21251693

I am rejecting this response because:
Ineffective and futile responses, all of which are commercial and mechanized replies, have not addressed my issue or responded to my requests. I request more information on which specific transaction led to the closure of my account.
Sincerely,

***************
Business response
02/16/2024
In the interest of the privacy and protection of our customers, we responded to the customer about their comments by contacting the customer directly on February 16, ****
Customer response
02/17/2024

Complaint: 21251693

I am rejecting this response because:
I cannot even agree with what X1 said. Imagine if, in a hypothetical situation, you were accused of a crime, and neither the court nor the accuser could specify the charges or provide any details. How would you feel?

I will maintain my thinking and suspect that there is discrimination and mistreatment against my account. I understand X1 are just doing well of your job, and I dont want against with X1 personal, Please take any necessary action to address this issue, at least list few option?

Thank you.*********,

***************

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