I ordered a tv and placed it on my cc with the 4 payment flex payment option. I had more than enough credit available. I noticed two days later that the same item was now only available with 1 or 2 payment option. On day 3 after I placed the order, I received a call from their security department. They told me that because I chose to ship to another address other than my own, I would have to answer some security questions. I agreed. The first question asked was who my auto loan was with. I don not have an auto loan nor have I had one in over 25 years, so I answered does not apply. Whom do you do your banking with? I answered none of the above because the did not list the bank I have my 15 year account with! They asked for the last 4 numbers in my ssn. All the numbers they read to me started with 5. Mine starts with 7 so of course I answered none of the above. And the best one is when they named 4 persons who may have lived with me in the past 10 years. I have lived in the same home for over 18 years, and I would think that I would know who lived with me, BUT HOW WOULD THEY KNOW! THIS IS BS.
OH WHATS NEXT! WHAT COLOR UNDERWEAR WAS I WEARING WHEN I PLACED MY ORDER? THESE QUESTIONS ARE BS
OF COURSE I FAILED... AND THEY LOCKED MY ACCOUNT.
This has to be by design. I placed the order, using their "secure website" I typed in the address I wanted the item shipped to when I placed the order. This make no sense with one exception. It sounds like they did a credit check, didn't like what they saw, and cancelled my purchase. I said to them, well just ship it to my home address, and they said because I failed their security questions my account is locked and cannot be changed.
I will be looking into this to see if this is legal and if they can be sued. I know what my credit is. If they stated that purchases are based on a credit check I wouldn't have ordered anything from them.