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so clearly they are trying to maximize profit by causing confusion for customers .
Well, if any financial institution needed to maximise profits, then these bunch of jokers surely do.
Personally, I think their strategy is pretty clear. To me it screams damage limitation, no response to support ticket to downgrade and no response to messages on X. Why? Because large numbers of people are probably cancelling especially after the insurance announcements. Think I may have to contact my card providers and ask them to block Curve as I doubt I can expect a response any time soon.
@iEimis – whatever their strategy is it isn’t that. They are grossly understaffed, that’s all. Many people have reported above that they have been able to downgrade directly in the app, without having to make the request via chat. In any event, if you are due a refund, it will be from the date of notification, not the date it is actioned.
I’m not sure why, if you want to downgrade rather than cancel, you might wish to notify your card providers to block Curve? You could also just lock the Curve card.
@iEimis – whatever their strategy is it isn’t that. They are grossly understaffed, that’s all. Many people have reported above that they have been able to downgrade directly in the app, without having to make the request via chat. In any event, if you are due a refund, it will be from the date of notification, not the date it is actioned.
I’m not sure why, if you want to downgrade rather than cancel, you might wish to notify your card providers to block Curve? You could also just lock the Curve card.
Locking the Curve card will not stop Curve from charging you the monthly/annual plan fee.
I have requested to downgrade to free and am not expecting Curve to action this before the metal renewal payment is due. To ensure I am not charged I will remove all cards bar one from Curve and set the card for metal payment to one which has zero balance and is locked.
@Toaster – my point re calling to block Curve was that if you are still keeping the free card rather than cancelling you would need to call and unblock them if you plan to use the card; how many calls is that?. It would be easier just to do a chargeback if you were charged the fee.
The more general point is that there are lots of different ways to do this without some big fuss if they don’t respond on chat or allow a direct downgrade on the app. If you were either to complain by email or send your cancellation notice by post it would be done in days, certainly inside a week. Those who say they have been waiting for weeks aren’t exactly trying very hard, but perhaps they prefer posting vs action. It’s also not just a Curve thing; read how people struggle to downgrade from HSBC WE.
I’m not sure why, if you want to downgrade rather than cancel, you might wish to notify your card providers to block Curve? You could also just lock the Curve card.
I think it’s actually quite clear what you were meaning here. Why not just say you made a mistake this one time? We all do it 🤷🏻♂️
I’m also confused as to why poor performance by curve support is being justified because there is poor support from another card supplier? I’m aware you’ve had some good support, but I’ve had both good, and *very* poor support from them. Surely the standard to aim for is the former?
Anyone else just got a marketing Email from Curve that is, er, giving them the middle digit (literally)? Given that I’ve just binned metal after the recent changes, it seems quite apt 🤣.
@Toaster – my point re calling to block Curve was that if you are still keeping the free card rather than cancelling you would need to call and unblock them if you plan to use the card; how many calls is that?. It would be easier just to do a chargeback if you were charged the fee.
The more general point is that there are lots of different ways to do this without some big fuss if they don’t respond on chat or allow a direct downgrade on the app. If you were either to complain by email or send your cancellation notice by post it would be done in days, certainly inside a week. Those who say they have been waiting for weeks aren’t exactly trying very hard, but perhaps they prefer posting vs action. It’s also not just a Curve thing; read how people struggle to downgrade from HSBC WE.
On the downgrade curve metal thread you said:
I wouldn’t rely on being able to do a chargeback/s75 of the fee as fees are usually excluded.
It would be handy to keep Curve on the free tier but I am not fussed if I cannot use it, I just don’t want to be charged for something I have asked to cancel. Yes I could phone them or contact them in other ways, but I’m not going to.
According to Curve. “The new funds (£50m) will be used to improve the overall customer experience (Curve just recently rolled out its new app, which includes a marketplace of financial applets), expand its Flex offerings, and bring exciting new partnerships to the market.”
It’s unbelievable that they cant get customer service reps to deal with these requests.
The chargeback route might be far fetched
Never got over 10K before so never tested.
Does Curve consider all transactions fronted if option is on regardless,i.e. say Amazon spend will be part of fronted 3K limit?No. It only consumes Fronted allowance if it would have needed Fronted.
Thanks @TooPoorToBeHere
Will give it a try later today in small volumes@Toaster – my point re calling to block Curve was that if you are still keeping the free card rather than cancelling you would need to call and unblock them if you plan to use the card; how many calls is that?. It would be easier just to do a chargeback if you were charged the fee.
The more general point is that there are lots of different ways to do this without some big fuss if they don’t respond on chat or allow a direct downgrade on the app. If you were either to complain by email or send your cancellation notice by post it would be done in days, certainly inside a week. Those who say they have been waiting for weeks aren’t exactly trying very hard, but perhaps they prefer posting vs action. It’s also not just a Curve thing; read how people struggle to downgrade from HSBC WE.
No direct downgrade in the app, pressing on downgrade button takes you to the chat which is a stupid system in my opinion as I have been subscribed for far longer than the required minimum period (paying monthly). Not entirely sure why they were never able to get this right and make it user friendly. It’s never this difficult with any other Fintechs (Revolut, Monzo, Starling you name it).
@Toaster – my point re calling to block Curve was that if you are still keeping the free card rather than cancelling you would need to call and unblock them if you plan to use the card; how many calls is that?. It would be easier just to do a chargeback if you were charged the fee.
The more general point is that there are lots of different ways to do this without some big fuss if they don’t respond on chat or allow a direct downgrade on the app. If you were either to complain by email or send your cancellation notice by post it would be done in days, certainly inside a week. Those who say they have been waiting for weeks aren’t exactly trying very hard, but perhaps they prefer posting vs action. It’s also not just a Curve thing; read how people struggle to downgrade from HSBC WE.
Oh look, maybe we are not as incompetent as you proclaim!
My reply from Curve
‘I am very sorry for the delayed response, I reviewed your recent ticket requests and noticed that they were closed due to a system error. I have given feedback to our CX Management Team in order to identify the underlying problem and fix it so that this doesn’t happen again.’
I’m not sure why, if you want to downgrade rather than cancel, you might wish to notify your card providers to block Curve? You could also just lock the Curve card.I think it’s actually quite clear what you were meaning here. Why not just say you made a mistake this one time? We all do it 🤷🏻♂️
I’m also confused as to why poor performance by curve support is being justified because there is poor support from another card supplier? I’m aware you’ve had some good support, but I’ve had both good, and *very* poor support from them. Surely the standard to aim for is the former?
@PeterK – there is no justification and nor do I seek to justify Curves’s poor customer service if that’s what someone has experienced but it’s actually so unremarkable as not be be worthy of comment. Most people will sometimes experience rubbish service from even the fanciest financial institutions; it’s a fact of life, so endless posting/whingeing is rather gratuitous but perhaps people like the attention.Some of the comments in this thread about Curve are just a rather lazy, pointless and ignorant form of corporate bullying which says more about the poster than Curve. While not pointing the finger at anyone in particular, some of the comments about terrible card companies actually smack more of personal incompetence. If someone can’t find a way of sort out something as trivial as cancelling or downgrading a card inside two weeks, I wonder what sort of job they are holding down. I prefer my employees to be creative and capable of resolving the multiple challenges and difficulties they will inevitably face almost every day.
@JDB this is pathetic. No other word for it. Posters have repeatedly commented that they have followed the process yet you claim laziness and personal incompetence?
Don’t feed the troll.
@JDB this is pathetic. No other word for it. Posters have repeatedly commented that they have followed the process yet you claim laziness and personal incompetence?
@SteveJ – clearly you didn’t read my post before getting uppity! The laziness and incompetence relate to two different things but you have conflated them. The laziness/ignorance relates to the stream of totally ridiculous posts about Curve’s financial condition and strategy based on nothing.In respect of incompetence, I’m not sure if you have read all the posts of those who have successfully been able to close or downgrade their accounts without the slightest difficulty, but in the event these channels were to fail, there are many other routes open to effect these simple transactions, so yes competence comes into question. Why just post complaints rather than doing something to resolve the matter? If people want to churn cards or constantly upgrade/downgrade or chop and change plans they need to be a bit smarter about it. If they just want to whinge rather than help HfP readers, I would rather they did that on TrustPilot.
@JDB this is pathetic. No other word for it. Posters have repeatedly commented that they have followed the process yet you claim laziness and personal incompetence?
@SteveJ – clearly you didn’t read my post before getting uppity! The laziness and incompetence relate to two different things but you have conflated them. The laziness/ignorance relates to the stream of totally ridiculous posts about Curve’s financial condition and strategy based on nothing.In respect of incompetence, I’m not sure if you have read all the posts of those who have successfully been able to close or downgrade their accounts without the slightest difficulty, but in the event these channels were to fail, there are many other routes open to effect these simple transactions, so yes competence comes into question. Why just post complaints rather than doing something to resolve the matter? If people want to churn cards or constantly upgrade/downgrade or chop and change plans they need to be a bit smarter about it. If they just want to whinge rather than help HfP readers, I would rather they did that on TrustPilot.
My reply from Curve, as above. How is this my incompetence?
‘I am very sorry for the delayed response, I reviewed your recent ticket requests and noticed that they were closed due to a system error. I have given feedback to our CX Management Team in order to identify the underlying problem and fix it so that this doesn’t happen again.’
@SteveJ – clearly you didn’t read my post before getting uppity! The laziness and incompetence relate to two different things but you have conflated them. The laziness/ignorance relates to the stream of totally ridiculous posts about Curve’s financial condition and strategy based on nothing.In respect of incompetence, I’m not sure if you have read all the posts of those who have successfully been able to close or downgrade their accounts without the slightest difficulty, but in the event these channels were to fail, there are many other routes open to effect these simple transactions, so yes competence comes into question. Why just post complaints rather than doing something to resolve the matter? If people want to churn cards or constantly upgrade/downgrade or chop and change plans they need to be a bit smarter about it. If they just want to whinge rather than help HfP readers, I would rather they did that on TrustPilot.
If you’ve been reading all the posts you’ll know, there is a process Curve ask you to follow. For many that ends up in quick action, however clearly from this thread and others many follow the exact same process and end up in an lengthy queue waiting for downgrade.
This kind of information on Curve’s incompetence is exactly what HfP is valuable for. An example close to home, Curve have been pushing me to ‘trial’ X for £1/mth for 3 months. If I weren’t a HfP reader I’d probably spend the £3 and give it a go to see if I could benefit (e.g. if I had some big overseas spend coming up). As a HfP reader I’ll not be upgrading as I don’t trust they can handle a simple downgrade as quickly as a fintech should. It’s clear from your posts that would be all my own fault for daring to upgrade and then have the nerve to request a downgrade.
Of course this can all be resolved by writing to your local MP, asking a peer from the House of Lords to get involved or sending a message via carrier pigeon, were it not for the Curve user’s collective incompetence.
In respect of incompetence, I’m not sure if you have read all the posts of those who have successfully been able to close or downgrade their accounts without the slightest difficulty, but in the event these channels were to fail, there are many other routes open to effect these simple transactions, so yes competence comes into question. Why just post complaints rather than doing something to resolve the matter? If people want to churn cards or constantly upgrade/downgrade or chop and change plans they need to be a bit smarter about it. If they just want to whinge rather than help HfP readers, I would rather they did that on TrustPilot.
1) The idea that simply because your and some others experience was X, that a large number of other users who all experienced Y must be deluded or incompetent is, of course, absurd.
2) What other quick and easy route (to the average reasonably intelligent person) is there, other than contacting a company itself, to close or alter your account arrangements with them?
3) It has never been possible to ‘churn’ Curve which is the card we are discussing (see thread title for reminder). People are changing plans because of the recent changes to Curve’s T&Cs rather than “constant” changing (see thread title for reminder) which is of course 100% reasonable. You have chosen to introduce the theme of churning and constant changing when they do not apply here and are irrelevant.Are you conflating such behaviour with this thread accidentally (incompetence?) or deliberately (trolling?).
You’ll no doubt have a long lawyerly answer of self-justification but you’re running out of steam here; no matter how helpful you are on other threads, it is sometimes time to admit you were not correct on one occasion 😀
I don’t really care what JDB thinks but what is clearly apparent about Curve is that they have been leaving a bad taste in people’s mouths for a very long time and it’s now come to a point where even their most loyal customers have had enough, and it doesn’t matter how awash with money they may currently be, you don’t come back from that and it gets you in the end. It’s that old saying…’what goes around, comes around.
You’ll no doubt have a long lawyerly answer of self-justification but you’re running out of steam here; no matter how helpful you are on other threads, it is sometimes time to admit you were not correct on one occasion 😀
And put at risk their ability to act superior towards others? Not likely.
You’ll no doubt have a long lawyerly answer of self-justification but you’re running out of steam here; no matter how helpful you are on other threads, it is sometimes time to admit you were not correct on one occasion 😀
And put at risk their ability to act superior towards others? Not likely.
If had I wished to “act superior” I would have corrected your grammar, but I simply read and digested your post along with the others, including one remarkably sensible and measured post from a usually rather excitable regular.
@JDB this is pathetic. No other word for it. Posters have repeatedly commented that they have followed the process yet you claim laziness and personal incompetence?
@SteveJ – clearly you didn’t read my post before getting uppity! The laziness and incompetence relate to two different things but you have conflated them. The laziness/ignorance relates to the stream of totally ridiculous posts about Curve’s financial condition and strategy based on nothing.In respect of incompetence, I’m not sure if you have read all the posts of those who have successfully been able to close or downgrade their accounts without the slightest difficulty, but in the event these channels were to fail, there are many other routes open to effect these simple transactions, so yes competence comes into question. Why just post complaints rather than doing something to resolve the matter? If people want to churn cards or constantly upgrade/downgrade or chop and change plans they need to be a bit smarter about it. If they just want to whinge rather than help HfP readers, I would rather they did that on TrustPilot.
Unfortunately, in my case, all the simple routes you are describing have been exhausted, and frankly I don’t feel like sending a physical letter through the post like it’s the 90s nor do I feel like I should waste my time doing that in this day and age. Chargeback request raised and all cards removed from the Curve app.
Does anyone have a copy of the Black Legacy terms PDF? They’ve put the terms up on the site again (after I enquired), but the PDF which I think is different still can’t be found. I’m certain that ATM withdrawals weren’t going to be charged, but they have been so far.
Is there not something further back in this thread about withdrawals now incurring a charge on the free card?
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