I was hoping to create an account and was denied the account, and as I was wondering why? I called the customer service and after a few days of trying, I finally got them to call me back. The first guy asked for my first and last name and put me on hold for 10 minutes then hung up the call, But then I called back and requested to be called back and the guy who did answer was rude. But he did tell me if your account is denied, they will not tell you why, or help you figure it out.