My Revolut account recently went negative because it was charged to my card that had 0 funds. This is a new account with Revolut and I had no plans to use my card yet so I didn’t transfer money in. I suddenly received a notification saying my balance went under 0 (without using the card of course), unsure why, I spoke with the live chat and no one was able to answer my simple questions regarding 1) why my card didn’t decline the payment when it had 0 funds in the account, 2) why no one could explain to me why I was charged and what the payment was for, 3) why I couldn’t speak to/ call any senior member of the team, 4) why I didn’t get the chance to cancel or disapprove of the payment. The fact that they couldn’t answer a single one of these questions is very worrying. This post/ review is not because I don’t want to pay the amount charged, it is literally unacceptable that this bank can’t answer when/why/ how the payment got charged and why the virtual transaction didn’t require some sort of approval on my side. They are not even giving me the opportunity to speak to someone about this issue and every customer service person is giving me the same useless response saying that the chargeback team makes the final decision. I simply ask to speak to someone from that team and they say it’s impossible. What sort of service is this? Not being able to know why I’ve been charged is very concerning. It is also IMPOSSIBLE to reach people from their teams and they all give the same useless answer. Please improve your banking security. If the payment was any higher I may not actually be able to pay it off and this shouldn’t be put on me if I didn’t approve the transaction.