As many on here have pointed out, I am also a Capital One Costco client that was switched to CIBC and have had nothing but Hassels. The app is wanting to call me with a 6 digit code every time I log in on the phone app, and it's frustrating. It says it's a one time deal, but obviously that's not true. Seriously considering canceling the card for the trouble of setting up the app, having issues with the app, and being on hold with customer service for almost two hours without anyone answering.