topic Re: blispay unable to verify identity denial? in Credit Card Applications

blispay unable to verify identity denial?

Anonymous — Sat, 30 Jul 2016 20:05:11 GMT

I forgot that I applied for this in the middle of the night last week along with BofA Travel Rewards and Barclays Arrival+...

just received a letter from blispay saying the application was not approved for the reason (only) of "UNABLE TO VERIFY IDENTITY OF APPLICANT" which they say they got from Experian.

Now... everyone and their dog pulls EX for me here so they certainly know who I am. Should I bother calling their credit department on Monday to recon? I seem to be over the limit of additional recent EX inquiries hurting my score more, but figured I may as well recon since I took the HP and wouldn't mind adding this for a hidden TL and ability to use the 6 month 0% financing should a need arise.

What do you guys think?

Re: blispay unable to verify identity denial?

Anonymous — Sat, 30 Jul 2016 20:15:14 GMT

@Anonymous wrote:
I forgot that I applied for this in the middle of the night last week along with BofA Travel Rewards and Barclays Arrival+...

just received a letter from blispay saying the application was not approved for the reason (only) of "UNABLE TO VERIFY IDENTITY OF APPLICANT" which they say they got from Experian.

Now... everyone and their dog pulls EX for me here so they certainly know who I am. Should I bother calling their credit department on Monday to recon? I seem to be over the limit of additional recent EX inquiries hurting my score more, but figured I may as well recon since I took the HP and wouldn't mind adding this for a hidden TL and ability to use the 6 month 0% financing should a need arise.

What do you guys think?

You might want to search thru some of the older posts about Blispay because I know this has happened before. I could be incorrect but if I remember right people had no luck in getting BlisPay to overturn the denial.

Re: blispay unable to verify identity denial?

Anonymous — Sat, 30 Jul 2016 20:24:18 GMT

I, and others, got the same denial reason and it's just as laughable. I've never had an identity verification issue with any lender. They refused to give me any opportunity to prove my identity. It's seems a little shady to me to have to take a HP to be considered for credit and have no recourse in proving your identity. They obviously had enough information of identification to slap an inquiry on my report!

Re: blispay unable to verify identity denial?

nrm — Sat, 30 Jul 2016 22:13:56 GMT

@Anonymous wrote:
I forgot that I applied for this in the middle of the night last week along with BofA Travel Rewards and Barclays Arrival+...

just received a letter from blispay saying the application was not approved for the reason (only) of "UNABLE TO VERIFY IDENTITY OF APPLICANT" which they say they got from Experian.

Now... everyone and their dog pulls EX for me here so they certainly know who I am. Should I bother calling their credit department on Monday to recon? I seem to be over the limit of additional recent EX inquiries hurting my score more, but figured I may as well recon since I took the HP and wouldn't mind adding this for a hidden TL and ability to use the 6 month 0% financing should a need arise.

What do you guys think?

I'm still standing firmly on my principle: Stay away from the too good to be true!

How the heck do they not have enough information to verify your identiy once they hard pull your profile? I'm sorry you took a hit but at least you learned the lesson, unlike some fishes already bit the bait.

Re: blispay unable to verify identity denial?

Anonymous — Sat, 30 Jul 2016 23:25:11 GMT

@Anonymous wrote:
@Anonymous wrote:
I forgot that I applied for this in the middle of the night last week along with BofA Travel Rewards and Barclays Arrival+...

just received a letter from blispay saying the application was not approved for the reason (only) of "UNABLE TO VERIFY IDENTITY OF APPLICANT" which they say they got from Experian.

Now... everyone and their dog pulls EX for me here so they certainly know who I am. Should I bother calling their credit department on Monday to recon? I seem to be over the limit of additional recent EX inquiries hurting my score more, but figured I may as well recon since I took the HP and wouldn't mind adding this for a hidden TL and ability to use the 6 month 0% financing should a need arise.

What do you guys think?
You might want to search thru some of the older posts about Blispay because I know this has happened before. I could be incorrect but if I remember right people had no luck in getting BlisPay to overturn the denial.

Thanks - i did try to search for any blispay recon or blispay unable to verity posts but didn't see what I was after.

Guess I could just call and see what they have to say. Don't have any immediate use for the card but figured while I was applying for a few last cards I may as well pick it up in case the 0% financing became useful.

No biggie either way, but being denied after an HP for "unable to verify identity" is a joke.

Re: blispay unable to verify identity denial?

CreditCuriosity — Sat, 30 Jul 2016 23:47:24 GMT

I also got this right after moving and fought the battle and was one of the few that won and got it overturned. I will try to find my thread and link it. It is possible to win this battle, but took close to a month along with having to fax in util bill and dl among some other stuff. It was a real pain in the arse, but glad I fought the battle.. They said they didn't reconsider on that reason and I had to wait 6 month to reapply I gave them an option of a BBB/CFPB complaint among other agencies or to please reconsider me and they eventually said they would forward on my request to a different different and indeed they did and that is when I was asked to fax stuff a week or something later. So do not give up on them as you can win with them as I ended up with a 6k approval.

Re: blispay unable to verify identity denial?

Anonymous — Sat, 30 Jul 2016 23:56:24 GMT

@CreditCuriousity wrote:
I also got this right after moving and fought the battle and was one of the few that won and got it overturned. I will try to find my thread and link it. It is possible to win this battle, but took close to a month along with having to fax in util bill and dl among some other stuff. It was a real pain in the arse, but glad I fought the battle.. They said they didn't reconsider on that reason and I had to wait 6 month to reapply I gave them an option of a BBB/CFPB complaint among other agencies or to please reconsider me and they eventually said they would forward on my request to a different different and indeed they did and that is when I was asked to fax stuff a week or something later. So do not give up on them as you can win with them as I ended up with a 6k approval.

thanks CC!! if you find it please share!

I have lived at the same place for over 2 years, and the address has been current and correct on EX for quite some time. I'm pretty surprised that they said they couldn't verify my identity after pulling EX...especially when multiple other lenders pulled it this year and had no problems.

Re: blispay unable to verify identity denial?

Anonymous — Sun, 31 Jul 2016 00:22:56 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I forgot that I applied for this in the middle of the night last week along with BofA Travel Rewards and Barclays Arrival+...

just received a letter from blispay saying the application was not approved for the reason (only) of "UNABLE TO VERIFY IDENTITY OF APPLICANT" which they say they got from Experian.

Now... everyone and their dog pulls EX for me here so they certainly know who I am. Should I bother calling their credit department on Monday to recon? I seem to be over the limit of additional recent EX inquiries hurting my score more, but figured I may as well recon since I took the HP and wouldn't mind adding this for a hidden TL and ability to use the 6 month 0% financing should a need arise.

What do you guys think?
You might want to search thru some of the older posts about Blispay because I know this has happened before. I could be incorrect but if I remember right people had no luck in getting BlisPay to overturn the denial.
Thanks - i did try to search for any blispay recon or blispay unable to verity posts but didn't see what I was after.

Guess I could just call and see what they have to say. Don't have any immediate use for the card but figured while I was applying for a few last cards I may as well pick it up in case the 0% financing became useful.

No biggie either way, but being denied after an HP for "unable to verify identity" is a joke.

I didnt mean 'do a search' in the typical derogatory way but that I figured it would be here somewhere and I couldnt remeber exactly what I had seen it. Follow CC's guidance and good luck

Re: blispay unable to verify identity denial?

CreditCuriosity — Sun, 31 Jul 2016 01:13:11 GMT

Here are two threads related to some of my issues although I thought I had another one going more into detail. My suggestion on Monday is to give credit a call and discuss what they weren't able to verify about your identity. In my case they said it was due to a recent move and you must of lived at new place 3 or 6 months forgot. I said where in the Terms and Conditions does it mention this? It does not, so how am I suppose to know this? Had a few back and forths and as stated I offered to give them a chance since they said their is nothing they could do I thought about it and called them back and offered to see if they would reconsider before filing a complaint with the BBB/CFPB along with going to Twitter and Facebook and making a stink about it (not sure I would suggest my approach though) and eventually got her to say she will forward it on to see what if anything can be done within 3-5 days approx I got a call from them saying to please fax in my Utli Bill along with a DL (both showing new address) to a fax that is also listed in thread below. I said if you can't verify me, how were you able to do a HP on Experian and I would be glad to answer any questions about it as I am indeed the person that applied and I took the HP, etc. Anyways, give them a shout Monday the credit dept. if you need any more advise I will try to provide it, but myself and a few others got overturned by the method I used. I know there is another post in the credit card section where another person had same exact issue as me and we got him overturned as well into an approval. Good luck!

http://ficoforums.myfico.com/t5/Credit-Cards/Blispay-Interesting-FYI-TD-Card-Services/m-p/4590841/highlight/true#M1328100

http://ficoforums.myfico.com/t5/Credit-Card-Approvals/Blispay-Approval/m-p/4592601/highlight/true#M415630

Re: blispay unable to verify identity denial?

Anonymous — Sun, 31 Jul 2016 21:23:39 GMT

Thanks again CC - I am going to give them a call first thing tomorrow morning and start pushing. Either they need to remove the inquiry, or they need to properly review my application (and ofc give me the dang card after all this trouble!)

Re: blispay unable to verify identity denial?

Anonymous — Sun, 31 Jul 2016 23:48:35 GMT

@Anonymous wrote:
I forgot that I applied for this in the middle of the night last week along with BofA Travel Rewards and Barclays Arrival+...

just received a letter from blispay saying the application was not approved for the reason (only) of "UNABLE TO VERIFY IDENTITY OF APPLICANT" which they say they got from Experian.

Now... everyone and their dog pulls EX for me here so they certainly know who I am. Should I bother calling their credit department on Monday to recon? I seem to be over the limit of additional recent EX inquiries hurting my score more, but figured I may as well recon since I took the HP and wouldn't mind adding this for a hidden TL and ability to use the 6 month 0% financing should a need arise.

What do you guys think?

The samething happened to me, i applied for the Blispay Visa, July 2ND and was told to call them in less than 5 days to verify my Information and i did and aswered about 6 questions and was told the result is Pending, Well, i called again a few days later and was told again the result is Pending, then about 18 days later i get a letter in the mail saying, The application was not approved for the reason (only) of "UNABLE TO VERIFY IDENTITY OF APPLICANT" ,i called them and they said there is nothing i can do about it.................................in the past 30 days i've been approved a Marvel Mastercard with $8,000 and a EBAY Mastercard with $10,000 but i can't get a Blispay ...........i think i'm just going to forget about Blispay for a while....

Re: blispay unable to verify identity denial?

Benzman — Mon, 01 Aug 2016 06:59:44 GMT

Same old story. Been at same address for over 10 years, no issues opening other credit cards, etc. Could not verify identity. Called them and they said to fax copy of drivers license and first page of bank account statement with address. Did that and still two months later, no reply from them. I'm not even wasting my time calling to follow up. Had two hard pulls over this, never again. Just not worth it.

Re: blispay unable to verify identity denial?

elim — Mon, 01 Aug 2016 08:38:33 GMT

BBVA did this to dozens of posters last year for no reason.

Re: blispay unable to verify identity denial?

CreditCuriosity — Mon, 01 Aug 2016 14:00:06 GMT

@elim wrote:
BBVA did this to dozens of posters last year for no reason.

Fought that battle as well and got the HP removed .. I hate lenders that pull this BS and even though it isn't worth my time, it is out of principle so I do waste alot of time to get the HP removed and/or an approval. 2 for 2

Re: blispay unable to verify identity denial?

Anonymous — Mon, 01 Aug 2016 14:14:44 GMT

Round 1 - phone call to the 'blispay credit department' listed on the letter.

Outsourced, very kind lady in Georgia. She said her verification passed, but all she could see from the underwriter end was "data mismatch" with no explanation.

She is going to forward my request to them and either they will reach out to me, or she will reach out to let me know what their response is.

Re: blispay unable to verify identity denial?

nrm — Mon, 01 Aug 2016 14:59:46 GMT

Keep us posted! We're all behind you.

Re: blispay unable to verify identity denial?

CreditCuriosity — Mon, 01 Aug 2016 15:33:22 GMT

@Anonymous wrote:
Round 1 - phone call to the 'blispay credit department' listed on the letter.

Outsourced, very kind lady in Georgia. She said her verification passed, but all she could see from the underwriter end was "data mismatch" with no explanation.

She is going to forward my request to them and either they will reach out to me, or she will reach out to let me know what their response is.

Sounds like hopeefully a step in the right direction of getting the ball moving

Re: blispay unable to verify identity denial?

smoop88 — Wed, 03 Aug 2016 04:08:23 GMT

But wait don't they ask security questions now. Did they ask you those QUestions op and was still unable to verify identity.

Re: blispay unable to verify identity denial?

Anonymous — Wed, 03 Aug 2016 04:25:51 GMT

@smoop88 wrote:
But wait don't they ask security questions now. Did they ask you those QUestions op and was still unable to verify identity.

On the app they asked me, but the answers on those are very obvious, nothing I could have mistaken.

At that time, it said nothing about being unable to verify - and the phone rep lady didn't seem to have any verification issues either. She said the verification problem was with the underwriters, First Electronic Bank which is actually here in Salt Lake City, Utah (I live in the general area).