discussionConsumer & Lifestyle · Personal FinancestructuralBillingB2COnboarding

New credit card verification loop blocks payments and has no digital resolution path

A new Citibank cardholder received an account alert requiring a phone call, but the verification process was broken—multiple calls, identity verification failures, and a mail-based fallback left the card unable to process payments for days. New card activation flows that degrade to phone-only verification create serious barriers when digital channels fail.

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4.45

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Problem descriptions, scores, analysis, and solution blueprints may be updated as new community data becomes available.