Citi - Worst Recon ever

[solstice00]

---

@enharu wrote:

do you have fraud alert on your reports? or were there citi accounts that were opened using your SSN previously that weren't authorized? were you a victim of identity theft in the past?

sounds like they're taking extra precaution for some reason. this is the 1st time i've seen this. 

normally like any other bank they would just ask u to answer some questions, and then ask you to fax in documents if necessary.

---

No I do not have fraud alert on my reports. I have never had accounts that were opened using my SSN,

I too thought that they would ask me some question on the phone. Apparently they had other plans.

[enharu]

grats!

did you apply for the cash+ in a branch or in person? that's a nice limit!

just curious, where do you reside?

if the closest branch is almost 4hours away, I would just try call EO or ask to talk to a supervisor in recon department and have them allow you to fax the documents in. Tell them you can notarize all the documents, if necessary. I wouldn't be bothered enough to make a drive just to apply for a card. if you're going on a trip for work or holiday and a branch is nearby, then you can try that perhaps. 

Otherwise its their loss, not yours.

[solstice00]

Lol thanks.

I was so pised off at the reasoning. I first talked to one underwriter and he said that my application is leaning towards an approval(theirs way of saying that it is a definite approval i believe lol) and I need to acll a certain number to verify my identity.

Then came the lightning!!!!!!!!

I am finally stable thanks to the lifeline usbank gave me.

[09Lexie]

So sorry about Citi...they seem to be prickly on any kind if CS. A big congrats on US Bank! Citi's lost is their gain!

[solstice00]

---

@enharu wrote:

grats!

did you apply for the cash+ in a branch or in person? that's a nice limit!

just curious, where do you reside?

if the closest branch is almost 4hours away, I would just try call EO or ask to talk to a supervisor in recon department and have them allow you to fax the documents in. Tell them you can notarize all the documents, if necessary. I wouldn't be bothered enough to make a drive just to apply for a card. if you're going on a trip for work or holiday and a branch is nearby, then you can try that perhaps. 

Otherwise its their loss, not yours.

---

I applied online. No problems whatsoever.

i called again, thinking I should ask for a CLI but then changed my mind lol. Who knows they might take back their offer!

I told the Citi account specialist that i can fax/mail  the documents but to no avail. She was hell bent on letting me know that I have to get my identity verified at a bank branch. Eevn though I can drive for around 4 hours , I am certainly not going to. This is absolutely ludicrous!

[solstice00]

By the way Citi pulled Equifax AND Transunion (weird! isnt it) in Missouri.

USBANK pulled equifax.

[FocusedAndDetermined]

---

@solstice00 wrote:

The closest location is around 3 hrs and 40 minutes of driving distance.

I talked to recon. Apparently they cannot do anything about this. I HAVE to verify my god forsaken identity in a bank branch!

So I went ahead and applied for the USBANK cash+ visa. They approved me with an 8000 limit(Its my first card over 5000).

I am elated! 

---

Congrats on the new CC!  Sorry about the Citi frustration.

[solstice00]

Thank's guys !

I feel much better now.

[LS2982]

---

@solstice00 wrote:

---

@enharu wrote:

grats!

did you apply for the cash+ in a branch or in person? that's a nice limit!

just curious, where do you reside?

if the closest branch is almost 4hours away, I would just try call EO or ask to talk to a supervisor in recon department and have them allow you to fax the documents in. Tell them you can notarize all the documents, if necessary. I wouldn't be bothered enough to make a drive just to apply for a card. if you're going on a trip for work or holiday and a branch is nearby, then you can try that perhaps. 

Otherwise its their loss, not yours.

---

I applied online. No problems whatsoever.

i called again, thinking I should ask for a CLI but then changed my mind lol. Who knows they might take back their offer!

I told the Citi account specialist that i can fax/mail  the documents but to no avail. She was hell bent on letting me know that I have to get my identity verified at a bank branch. Eevn though I can drive for around 4 hours , I am certainly not going to. This is absolutely ludicrous!

---

I really dont get how they think thats an acceptable way of soing business when the nearest branch to you is almost 4 hrs away!! Its like their doing it on purpose!

[solstice00]

i knew Citi hates me!(I once applied in 2011 but was denied. I had no clue whatsoever about ratios and credit score then)

But this much!!!

Haha I can't wait to frame my denial letter.