ComplaintsforX1 Inc.

• Initial Complaint

  12/31/2021

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I requested an invite to apply for an X1 credit card. Months later I received the invite. When I attempted to apply for the X1 credit card at the link provided in the invite, I received an error when I entered my phone number (see attachment.) I emailed the company at the email addresses provided on several occasions and received NO contact back from the company. i received a follow up invite from the company stating that my original invite would be expiring. Went through the same drill again. Same results. If you are going to send customer to a web site that doesn't work, the least you could do is provide a phone number they could call to resolve the issues caused by your web site.

  Business response

  01/04/2022

  X1s application process requires the applicant to enter a valid mobile phone number; landlines or voice over IP (VOIP) lines are not accepted. The consumers phone number was identified by our system as a VOIP line.  As a result (and as seen in the customers complaint), the consumer received an error message when entering their phone number stating that VOIP phones are unsupported and instructing them to try another phone number. As the error message indicates, once the customer provides a valid mobile phone number they will be able to continue our application process.

  Customer response

  01/05/2022

   
  Complaint: 16416925
  
  I am rejecting this response because my phone IS a cell phone.   This is THE ONLY phone I have.   When I tried the other option available - continue a previous application - I was able to successfully enter my phone number and received a text back from X1.   So I know the error I received from X1 during the initial application process is not a valid one.   I've never had this kind of issue with ANY other company - EVER -  when using this exact same phone and phone number.   This issue, and X1's response to it, is absolutely ridiculous.   And incredibly POOR customer service - having to go to these lengths of filing a BBB complaint in order to even get a response back from X1 when attempting to resolve the issue that only X1 has caused...
  
  Sincerely,
  
  ***************************

  Business response

  01/12/2022

  Unfortunately the data provided by our vendor does not support this claim. This process, unique to the application flow and different from the resume application flow, is in place as a fraud mitigant during application and we are not able to ***** any exceptions. It is recommended the applicant use a different mobile phone in their possession. Or they will not be able to submit an application.

  Customer response

  01/21/2022

   
  Complaint: 16416925
  
  I am rejecting this response because:
  
  

  This is THE most RIDICULOUS response I've EVER received from a company EVER.   I'd NEVER do business with a company this unresponsive and unreasonable.   Good luck with your new credit card.   Hope it is as successful as your application process appears to be - an utter failure...
  

  Sincerely,
  
  ***************************

• Initial Complaint

  11/23/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  X1 *** approved my credit card application with a ****** credit limit on Nov 8, 2021. However, right after my first purchase with X1 card (which is for a cellphone I bought for myself and uses 1% of my credit limit), they put my account on hold for "suspicious activities". They refuses to take any action to review or resolve the issue and insisted I need to make a payment for them to start reviewing the issue. Despite this being very unreasonable, I complied with this request and made a payment in full immediately. However, right after my payment was cleared, X1 told me they will close my account due to "potential misuse of our rewards program", which is ridiculous because I don't even have a chance to use their reward program. It's clear to me they decided to close my account in the first place, but deliberately lied to me for a payment. After they received my payment they just closed my account as they planned.This is literately the worse customer experience I've ever had with a credit card company. X1 offers a service with 0 usability and also deceives in communication with customer. I would strong recommend against X1 for anyone who considers their service.

  Business response

  12/06/2021

  In the interest of the privacy and protection of our customers, we responded to the customer about the issue by contacting the customer directly on 11/23/2021

• Initial Complaint

  11/12/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Dear BBB, My name is *************************** 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 *** decided to close my account "due to suspicious activities" on Nov 12th, 2021, only one day after I received the card. In fact, X1 *** 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 *** 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, ********************** *** 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 ***'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 *** and I would like to raise public awareness of the shady practice of X1 Inc.Sincerely ***************************

  Business response

  12/07/2021

  "In the interest of the privacy and protection of our customers, we responded to the customer about the issue by contacting the customer directly on 11/12/2021"

  Thank you!

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩