I applied for a credit card with a large hardware department store so we could keep track of our expenses for our home. I was approved and a few months later on my first purchase, it was denied as fraudulent.
I called the number on the back of the card and was told that I needed to send a copy of my driver license AND a 5 second video of me speaking so they could prove it was actually me.
I worked for a background screening company years ago and know that they knew it WAS me - I gave all the info on my credit report -ss#, phone numbers, past addresses, etc.
I refused to do the video or send them a copy of my DL and was told they would mail me forms to send in instead of doing the video. I couldn’t use the card until those were received by them. The snarky b-tch (you could tell she was very young - she said was at the co hq) said that I was the ONLY one who ever had a problem doing the video. (uh huh)
Oh, and the people I was to send the video to and my DL to were in the Philippines. (!!!)
A few weeks later, I got a letter saying my cc through them was revoked as my credit score dropped 100 points. When I called them to inquire about it as there was NOTHING on my credit report (800+ score) for them to cancel it and be a mark against my credit.
They said it was because I opened a credit card. It was theirs.
Wow, what a story.
I bought something at Home Depot and we didn’t need. My wife took it back. She got a store credit. I tried to use it two or three times and was told that only she can use that store credit! Even other family members cannot use it. That was infuriating because she rarely goes to HD for anything, so the store credit sat around for ages in the back of a drawer. It was only $15, but that $15 from two or three years ago is probably worth $20 or $25 in today’s dollars. She went to HD and bought our Christmas tree there this year, so that’s used up.
I can’t believe they couldn’t work out how to let an immediate family relation use the card when we have the same last name and same address. For crying out loud! The idiots in Finance and IT drive me crazy. They are the Sales Prevention Team.