I had filed a CFPB when it happened because I had no idea what a "review" was and no one would tell me anything and since the "review" department was closed I was out of luck until Monday. Ironically, since I didn't MS, I didn't know about anything about what a "review" was. I thought it was more fraud verification and I was already talking to them and could do any verification needed.

Basically, the response to the CFPB just parroted what the "review" decided. I was told the "review" just looked at your credit like you were just applying which is ironic since any other bank would take a microsecond to decide I was credit worthy based on income and FICO. The out of the country stuff is a lie, as far as I know. I wasn't told about it until this response and I wasn't out of the country. All of the declines happened within 5 minutes. They also changed their story. I was first told that a "review" was random, multiple times, and now, in their response, they are saying it was because of the suspicious activity. Although there is no clue what one thing has to do with the other.

This was the final response to the CFPB:

We’ve reviewed your concerns about the declined transaction on March 30 with Wholefoods for $500. We routinely monitor accounts for unusual activity, and this transaction was declined because it appeared suspicious. We sent you an email and a text message to confirm the activity was valid. On that same day, you were declined a second time for the same reason and you spoke to an advisor and advised them the transaction was valid. The advisor you spoke with determined there were several out of the country attempts to log into your online profile and therefore, we placed a security hold on the account pending a second level review. Once the review was completed, we decided to close your account for the following reasons: • Number of credit card accounts. • Rapid increase in revolving balances. The account cannot be reopened. Please review the enclosed Cardmember Agreement which explains we reserve the right to close accounts. We’ve also enclosed a copy of the closure letter sent to you on April 3. We’re sorry for the inconvenience you experienced and realize this is not the outcome you were expecting.