Aren’t they regulated in some way or other? I had problems with them in Europe (travel a lot for work, including some African and Central Asian countries) and they blocked me when I tried to buy something while in Nigeria. Fair play, common scam hotspot.

But no matter what I did to prove my identity after returning, they wouldn’t unblock my account. So instead I sent a complaint to the CSSF (the FED of Luxembourg, where they got their European banking license) and within days I had the head of compliance from their HQ in Ireland on the phone telling me that my account was open again and practically begging me to drop the complaint.