“The issue, I learned after a couple of days of phone calls with Citizens’s PR, was that the address on my Experian credit report didn’t match the address I provided, because I had recently moved.”
All due respect, but, duh.
I agree that it’s frustrating when a purchase is declined and they don’t tell you why. I’ve seen this happen a few times when my address didn’t exactly match the address associated with my credit or debit card. I have a four-line address in the UK, and some web forms only allow three lines (name, address, city/postcode), and sometimes it’s hard to figure out how to squeeze everything in the right way. But if you’d moved, you’d probably remember that your credit card, or credit report, didn’t have the right address.