Account data

First Name Denys

Last Name Karpa
Date of birth 2003-01-31
Phone +447542570600
Email [email protected]
Address 36 Eastbourne Avenue, London, W3 6JN, London

Revolut Ltd is a company registered in England and Wales (No. 08804411). Revolut Ltd is authorised by the Financial Conduct
Authority under the Electronic Money Regulations 2011, Firm Reference 900562. Find out more at www.revolut.com and check out
our full terms and conditions.

Revolut Limited, Registered address:

7 Westferry Circus, Canary Wharf, London, England, E14 4HD

Copyright © 2025 Revolut Limited, registered in England and Wales (Company No. 08804411). Patent Pending.
 Open
Start date: 11-03-2025 | 21:36:01 End date: 12-03-2025 | 08:11:49

11-03-2025 | 21:36:01 Chat assistant

Hi, how can I help?

11-03-2025 | 21:36:01 Denys Karpa

I am having trouble accessing my Revolut account

11-03-2025 | 21:36:15 Chat assistant

I'm sorry to hear that you're having trouble accessing your
account. Could you please describe the issue in more detail?
Are you unable to log in, or are you experiencing a specific
error? This will help me assist you better.

11-03-2025 | 21:37:54 Denys Karpa

Співробітник

11-03-2025 | 21:38:03 Chat assistant

Got it. Connecting you to a live agent now. While you
wait, you may also share further details to help them assist
you faster.

11-03-2025 | 21:40:17 Denys Karpa

I don't remember what happened to my account.

11-03-2025 | 21:43:38 Arthur

Hello. My name is Arthur. Please allow me a few moments to
review your case further.
 11-03-2025 | 21:43:40 Arthur
To make sure everything goes smoothly, please keep in
mind the following recommendations: Use a mobile phone
and not other devices, like a PC or tablet Use a single mobile
phone and perform all the necessary steps from that same
device

11-03-2025 | 21:43:48 Arthur

Can you please share your: - Full Name - Date of Birth -
Number with country code, like +44********* linked to
your Revolut account? - Your email address added to your
Revolut account If you have changed the phone number
please provide me with your old phone number that is
registered in your Revolut account.

11-03-2025 | 21:49:57 Denys Karpa

Denys Karpa 31.01.2003 +4475425 70600
[email protected]

11-03-2025 | 21:52:53 Denys Karpa

Did you get?

11-03-2025 | 21:54:56 Arthur

Part of the recovery process is verifying your identity. This is

to ensure you’re the account owner and keep your account
secure. Our checks commence by submitting a selfie and
some form of ID. Don’t worry, I’ll explain exactly what we
need from you as we move through these steps. Completing
this verification check will make it much easier for me to
help you. I hope this makes sense and I appreciate your
cooperation.
11-03-2025 | 21:55:36 Arthur
We need to confirm a few pieces of information to keep
your account protected. Can you please send us with a
selfie, while holding a piece of paper, with the following
handwritten on it: “Revolut 12/03/2025 0325” We need the
selfie to meet these requirements: You are the one taking
the picture Your entire face is visible (including your chin
and other areas), and that the hand whilst holding the
paper code up is visible The note is handwritten on paper
and not on any digital devices Once we have this, we can
move to the next step. For security purposes, we kindly ask
you to provide the requested selfie within 20 minutes. If this
isn't possible, and we don’t receive your selfie within that
time, we may have to request a new one.

11-03-2025 | 21:56:16 Arthur

11-03-2025 | 21:58:28 Denys Karpa

11-03-2025 | 22:11:55 Denys Karpa

Did you get?

11-03-2025 | 22:13:47 Arthur

Can you please send us the photo of your identity card
(Front and back)?

11-03-2025 | 22:14:58 Denys Karpa

11-03-2025 | 22:15:11 Denys Karpa

11-03-2025 | 22:28:56 Arthur

Thank you for providing the photo of your identity card. We
will now ask a few more information points related to your
Revolut Account.

11-03-2025 | 22:33:01 Arthur

Did your account experience any outgoing transfers in the
last 1 year?

11-03-2025 | 22:34:04 Denys Karpa

Yes

11-03-2025 | 22:36:35 Denys Karpa

Next

11-03-2025 | 22:39:48 Arthur

Did you add any beneficiary in the last 1 year?

11-03-2025 | 22:40:37 Denys Karpa

Yes
 11-03-2025 | 22:42:17 Arthur
Did you order a physical Revolut card in the last 1 year?

11-03-2025 | 22:42:32 Denys Karpa

Yes

11-03-2025 | 22:44:35 Arthur

Did you access your Revolut account from a Browser in the
last 1 year?

11-03-2025 | 22:45:34 Denys Karpa

No

11-03-2025 | 22:47:20 Arthur

Have you purchased or sold any stocks in Revolut in the last
1 year?

11-03-2025 | 22:48:31 Denys Karpa

No

11-03-2025 | 22:49:40 Arthur

Thanks for providing the information. Before we move
forward, could you please double-check your answers and
confirm you're happy they're accurate?

11-03-2025 | 22:50:15 Denys Karpa

Answers are correct

11-03-2025 | 22:54:03 Arthur

After reviewing your account, we're sorry to say that we're
no longer able to offer you our services, as we’ve made a
decision to permanently close it. This decision has been
made in accordance with our Personal Terms We apologize
for any inconvenience this might have caused and
appreciate your understanding.
12-03-2025 | 05:45:09 Denys Karpa
Hello, I have received a message stating that my Revolut
account has been permanently closed. I would like to
understand the reason for this decision and check if there is
any way to appeal it. Could you please provide me with
more details regarding the closure? Also, if there are any
funds remaining in my account, I would like to know how to
withdraw them. I appreciate your assistance and look
forward to your response. Thank you.

12-03-2025 | 05:47:03 Aastha

I understand this is frustrating. Unfortunately, we can't
provide specific details about the closure due to our internal
policies.

12-03-2025 | 05:47:25 Aastha

Regarding any remaining funds, they should have been
cleared before the closure. Please check any statements or
documents sent at the time of closure for details.

12-03-2025 | 05:49:38 Denys Karpa

Hello, I understand your policy, but I need clarification
regarding any remaining funds in my account. I did not
receive any statements or documents about the withdrawal
process. Could you please confirm if there is a way for me to
retrieve my funds? If a withdrawal has already been
processed, could you provide details of the transaction?
Thank you for your help.

12-03-2025 | 05:50:15 Aastha

You can refer to this page for more information on this.

12-03-2025 | 05:51:19 Aastha

I understand your concern. At Revolut Support, we have an
Escalations team that deals with queries like yours. In order
to resolve your issue as best as possible, I am now going to
transfer you to them and they will assist you. It's been good
chatting to you, have a nice day.
12-03-2025 | 05:53:05 Denys Karpa
Thank you for escalating my case. I appreciate your
assistance and look forward to hearing from your team.
Please let me know if you need any further information
from me. Best regards, Denys Karpa

12-03-2025 | 05:54:45 Nathan

Hi Denys! My name is Nathan. Please allow me some time to
check your account. I'll get back to you.

12-03-2025 | 05:55:51 Denys Karpa

Hello Nathan, Thank you for looking into my case. I
appreciate your help and will wait for your response. Please
let me know if you need any additional information from
me. Best regards, Denys Karpa

12-03-2025 | 05:59:36 Nathan

After reviewing your account, we're sorry to say that we're
no longer able to offer you our services, as we’ve made a
decision to permanently close it.

12-03-2025 | 06:00:59 Denys Karpa

Hello, I understand your decision, but I would like to
formally appeal the closure of my account. Could you please
provide me with information on how to proceed with an
appeal or escalate my case for further review? Thank you.

12-03-2025 | 06:04:19 Nathan

As you're aware of your account closure. Please know the
decision to close your account is final and cannot be
changed.

12-03-2025 | 06:06:16 Denys Karpa

Hello, I acknowledge your decision, but I would like to
formally request a written explanation for my account
closure. Additionally, I would appreciate guidance on
whether there is a regulatory body I can contact for further
clarification. Thank you
 12-03-2025 | 06:09:35 Nathan
I am saddened by the fact that we have delivered an
outcome you did not anticipate. But we must adhere to the
rules as we are a financial institution.

12-03-2025 | 06:11:30 Denys Karpa

Hello, I acknowledge your decision, but I would appreciate a

formal explanation regarding the specific reason for my
account closure. Additionally, please let me know if there is
an independent financial authority I can contact for further
clarification.

12-03-2025 | 06:15:45 Nathan

Unfortunately, we can’t share the specific details about this
decision, except that we believe that this account is being
used in a way that isn't compatible with our platform. As a
financial services institution, it is our responsibility to ensure
the security of our customers' accounts. Due to this, we
reserve our right to close an account if we must do so under
any law, regulation or a competent authority's instructions.
You can find the same mentioned in our Personal Terms -
https://www.revolut.com/legal/terms/- "When could you
suspend or close my account?".

12-03-2025 | 06:17:59 Denys Karpa

I understand your policies, but I would like to formally
request a written explanation for the closure of my account.
Additionally, please confirm which regulatory body oversees
Revolut in my region so that I can escalate my case for
further review. Thank you.

12-03-2025 | 06:21:22 Nathan

Please be advise escalating your case to anyone won't
change the outcome as your account is closed.

12-03-2025 | 06:24:01 Denys Karpa

I understand that my account is closed, but I still request a
formal written explanation of the reason. Additionally,
please confirm which financial regulatory body oversees
Revolut in my country, as I would like to escalate my case for
an independent review. Thank you.
 12-03-2025 | 06:33:23 Nathan
Your account cannot be remediated, as it has been closed.

12-03-2025 | 06:35:45 Denys Karpa

I understand that my account is closed, but I still need
confirmation on how to retrieve my remaining funds. Please
provide details on the withdrawal process or confirm if the
funds have already been transferred.

12-03-2025 | 06:43:23 Nathan

There are no funds in your account.

12-03-2025 | 06:44:47 Denys Karpa

I would like to request an official statement of my account,
showing the last transactions before the closure. This will
help me verify the balance status. Please provide this
document at your earliest convenience.

12-03-2025 | 06:51:36 Nathan

12-03-2025 | 06:53:32 Nathan

It has been sent to you.

12-03-2025 | 06:56:40 Denys Karpa

I have reviewed my account statement, and I see that on 1z
Pec 2024, £195.18 was transferred to Revolut Ltd -
Recoveries & Settlements (LT403250001836396850). Could
you please clarify the reason for this transaction and
whether these funds can be recovered? Thank you
 12-03-2025 | 07:02:27 Nathan
I’ve checked this for you and can confirm that the payer has
requested the return of these funds. My colleagues
previously reached out for additional information about this
payment, but unfortunately, the details provided weren’t
sufficient /substantial to verify its validity. Hence, as a
regulated financial institution, we were required to return
the funds to the sender. For further information or
clarification of the reason, we encourage you to contact the
payer directly. You can find their details in the transfer's
information.

12-03-2025 | 07:21:26 Denys Karpa

Hello, I have reviewed my account statement and noticed
that a payment of £z00 from Amina Ali was later disputed. I
would like to request official documentation confirming that
the sender initiated a chargeback or requested a refund.
Additionally, please clarify whether the funds were returned
to the original sender or another account. Thank you.

12-03-2025 | 07:23:35 Nathan

Please specify the transaction with exact date and time.

12-03-2025 | 07:30:34 Denys Karpa

Hello, The transaction in question took place on 6 December
2024 at the following details: Payment from Amina Ali –
£200.00 received Transfer to Denys Karpa – £200.00 sent
Please provide official confirmation that the sender (Amina
Ali) initiated a chargeback or requested a refund.
Additionally, clarify whether the funds were returned to the
original sender or to a different account. Thank you.

12-03-2025 | 07:32:30 Eddie

Hi, Denys. Thanks for getting in touch. I appreciate your
patience. My name is Eddie, and I'm here to support you
with your query. Please allow me a few moments to review
your case further.
 12-03-2025 | 07:36:43 Eddie
Denys, unfortunately, I won't be able to help you with this
particular question as it is not within my scope of
knowledge, but I will transfer this chat to the Charge back
team, who will address it with the due attention. Don't
worry, once they answer your questions, they will return this
chat to our team, where we will continue assisting you
further.

12-03-2025 | 07:47:55 Muhammad

Thanks for your cooperation while we work to resolve this
for you. I can see that certain steps have already been taken
to try to resolve this issue.

12-03-2025 | 07:49:20 Muhammad

I understand your concern. Unfortunately, we can't provide
specific documentation regarding the chargeback initiation.
The funds were returned to the original sender. For more
details, please check any communications or statements
related to the transaction.

12-03-2025 | 07:54:31 Denys Karpa

Hello, I appreciate your response, but I still require clear
documentation regarding this matter. Based on my
transaction records, on 6 December 2024, I received £200
from Amina Amjid Ali. Later, I was requested to return the
funds to a different card, which raised concerns. I kindly
request the following information: 1. Official confirmation
that a chargeback was initiated by the sender. 2. Proof that
the funds were returned to the original sender and not to a
third-party account. 3. A clear explanation of why my
account was permanently closed following this transaction. I
believe this information is crucial in resolving this issue, and
I would appreciate your cooperation. Thank

12-03-2025 | 08:03:06 Muhammad

At Revolut Support, we have an Account Management team
that deal with queries like yours. In order to resolve your
issue as best as possible, I am now going to transfer you to
them and they will assist you. It's been good chatting to
you, have a nice day.
 12-03-2025 | 08:05:22 Muhammad
Regarding the first two requirements, I fear we can't provide
specific documentation or details about the chargeback
process due to our internal policies. The funds were
returned to the original sender. The account closure was
due to usage incompatible with our requirements, as
mentioned in our Personal Terms.

12-03-2025 | 08:06:50 Denys Karpa

I understand your internal policies, but I believe I have the
right to receive confirmation of how my funds were
handled. I kindly request: 1. A formal confirmation that the
£200 from Amina Amjid Ali was refunded to the exact same
source it was sent from. 2. A written explanation of what
exact activity on my account was deemed "incompatible"
with your requirements. 3. A reference to the specific policy
under which my account was closed. If you are unable to
provide this, please confirm which financial regulatory body
oversees Revolut in my country, as I may need to escalate
this matter further. Thank you

12-03-2025 | 08:12:24 Julie

Hi, my name is Julie, and I'm here to support you today.
Unfortunately, we can’t share the specific details about this
decision, except that we believe it's being used in a way that
isn't compatible with our platform. As a financial services
institution, it is our responsibility to ensure the security of
our customers' accounts. Due to this, we reserve our right
to close an account if we must do so under any law,
regulation or a competent authority's instructions. You can
find the same mentioned in our Personal Terms -
https://www.revolut.com/legal/terms/ - "When could you
suspend or close my account?".

12-03-2025 | 08:13:14 Julie

About the funds, I've checked this for you and can confirm
that the Payer has requested the return of these funds.
Currently, the amount has been sent to an Internal Revolut
account, from where it will be sent back to the sender. We
understand that this is an unpleasant situation for you, but
such requests are typically initiated as per internal reasons
of the payer, and as a regulated financial institution, we are
required to comply with these requests.
12-03-2025 | 08:15:02 Denys Karpa
Hello, Thank you for your response. Since you have
confirmed that the funds are still on an internal Revolut
account and have not yet been sent to the sender, I formally
request that the transaction be reviewed before the funds
are processed. I have evidence that the payer initially sent
the funds voluntarily and later requested a refund under
questionable circumstances, which may indicate fraudulent
activity. Given this, I kindly ask that Revolut: 1. Pause the
return of these funds until a full investigation is completed.
2. Provide me with documentation proving that the
chargeback was legitimately requested by the sender. 3.
Allow me to dispute this transaction before any irreversible
actions are taken. As a regulated financial institution,
Revolut should ensure that no fraudulent activity has taken
place before processing a fund return. Please confirm that
my request will be taken into account before proceeding
with any transfer. Best regards, Denys Karpa

12-03-2025 | 08:17:38 Julie

Be assured that, if I could get over or around this, I would
gladly do it for you. While I understand that this can be a
difficult situation, I also hope that you will understand that
we only follow the rules imposed by government and
international laws, as we are a regulated financial
institution. Unfortunately, the funds cannot be taken back.
It is the beneficiary who can help you with the funds.

12-03-2025 | 08:20:10 Denys Karpa

I understand that the funds have already been returned, but
I kindly request an official document confirming this
transaction. Specifically, I would like: 1. Proof of the
transaction showing that the £200 was successfully sent
back to the original sender. 2. Petails of the account or card
where the funds were transferred. 3. A reference to the
specific regulation or legal requirement under which this
action was taken. I need this documentation for my records
and to take further action if necessary. I appreciate your
assistance. Best regards, Denys

12-03-2025 | 08:22:15 Julie

Sadly, we do not have an official document which confirms
the details. As a regulated financial institution,
unfortunately, we cannot share further details about this
transfer. We hope for your understanding.
12-03-2025 | 08:24:15 Denys Karpa
I understand that you can not provide an official document,
but as a regulated financial institution, you are required to
maintain records of all transactions. I kindly request that
you provide at least the following: I. The exact transaction IP
of the refund. 2. The last four digits of the account or card
where the funds were sent. 3. Confirmation that the funds
were not redirected to a third party. If you can not provide
this, please direct me to the relevant financial authority
where I can escalate my request for transparency. Thanks

12-03-2025 | 08:25:40 Julie

I am sorry, but we will not be able to disclose any further
details of the transaction.

12-03-2025 | 08:27:40 Denys Karpa

Hello, I have repeatedly requested confirmation of the
refund transaction, yet you continue to refuse to provide
any official documentation or proof. This lack of
transparency raises serious concerns regarding the
legitimacy of your actions. As a regulated financial
institution, you are required to maintain transaction records
and provide them upon request. Your refusal to do so
suggests a potential violation of financial regulations and
consumer rights. If you do not provide the necessary proof
that the funds were indeed returned to the original sender
and not redirected elsewhere, I will be left with no choice
but to escalate this matter to the appropriate financial
regulator. I request a final response within the next 24
hours. Otherwise, I will proceed with filing a formal
complaint against Revolut for withholding transaction
details and unfair account closure practices. Best regards,
Denys Karpa

12-03-2025 | 08:32:37 Julie

We never surely never want to see you in this situation, and
it is heartbreaking for even us either. We never want our
users to face this situation and nothing is done intentionally,
however we will not be able to disclose any further details of
the transaction as you have been requesting.
12-03-2025 | 08:36:06 Denys Karpa
Hello, Since you have repeatedly refused to provide any
official documentation regarding the return of my funds
and the reason for my account closure, I have no choice but
to escalate this matter. I have now submitted a formal
complaint to the Financial Ombudsman Service (FOS) UK,
requesting an official investigation into Revolut's handling
of my account and funds. If you fail to cooperate with the
investigation or provide the necessary documentation, this
case may result in further regulatory scrutiny. I expect full
compliance with any requests from the FOS. Best regards,
Denys Karpa

12-03-2025 | 08:38:23 Julie

I'm sorry you're dissatisfied with our services. If you'd like to
file a formal complaint, you can complete this form. To
reach an amicable conclusion as soon as possible, we
always try to resolve our disputes internally. Please note, if
you decide to escalate your complaint outside of Revolut, it
won't be considered until we've issued you a final response
letter.

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