topic Re: Capital One Walmart Store Card CLI Denial in Credit Card Applications

Capital One Walmart Store Card CLI Denial *Update

Shawn19AL — Sat, 23 May 2020 17:26:23 GMT

Good morning

I submitted a CLI on my 3 month old store card a few weeks ago. The denial letter showed up yesterday and said denied because they couldnt contact me to verify my identify per the fraud alert on my credit file. Looks like they used Equifax in the letter as thats what referenced. I confirmed that my contact number is correct on Equifax.

I contacted customer service and the reprenstative stated that they tried to contact me but there are no missed calls from them on the dates or any 800 numbers.

I applied for the Walmart MC and was given the store card with a limit of $300.

Burned Capital one previously with two credit cards but PIF with collection accounts. Still in rebuilding stage.

Current credit scores

FICO8 636, 626, 635

Re: Capital One Walmart Store Card CLI Denial

Rebuild2019 — Wed, 20 May 2020 14:10:27 GMT

Good Luck @Shawn19AL with your rebuild. I know when I entered my cell phone number during set-up for CAP1 it wood not take the number and would say it was not my number. I believe it was using my old number from where I burned them about 7-years ago. It finally took the number after about 2-months. Congrats 🎊🎉🎈

Re: Capital One Walmart Store Card CLI Denial

Shawn19AL — Wed, 20 May 2020 15:11:18 GMT

@Rebuild2019 its the weirdest thing that I didnt receive a call.

Re: Capital One Walmart Store Card CLI Denial

Rebuild2019 — Wed, 20 May 2020 15:50:10 GMT

If you had an old number when you burned them they may still be using that number. I use their Capital One Program, but when I try to sign in online through a browser it attempts to make me accept the old account info (including phone number), which I did not do. I didn’t want them to try to open that door on that old charge off. May be calling that old number @Shawn19AL

Re: Capital One Walmart Store Card CLI Denial

Shawn19AL — Wed, 20 May 2020 19:35:33 GMT

@Rebuild2019 I think I figured it out.

my cellphone number was set to no automated calls and it's the main number on my mother's account as I'm her caretaker.

I changed her account info to my second cellphone and updated my account to reflected automated calls

I applied for the CLI again and missed the phone call as I was leaving work. Called CS again and the Rep let me know they will call back in. 1-3 business days.

So, we shall see. I'll update this thread accordingly, if I can manage to pay attention to the phone lol

Re: Capital One Walmart Store Card CLI Denial

Rebuild2019 — Wed, 20 May 2020 20:16:38 GMT

@Shawn19AL I am glad you have figured it out. Hopefully they will call you and you will get your CLI. Good luck.

Re: Capital One Walmart Store Card CLI Denial

Iusedtolurk — Thu, 21 May 2020 10:01:32 GMT

@Shawn19AL wrote:
@Rebuild2019 I think I figured it out.

my cellphone number was set to no automated calls and it's the main number on my mother's account as I'm her caretaker.

I changed her account info to my second cellphone and updated my account to reflected automated calls

I applied for the CLI again and missed the phone call as I was leaving work. Called CS again and the Rep let me know they will call back in. 1-3 business days.

So, we shall see. I'll update this thread accordingly, if I can manage to pay attention to the phone lol

If all they need to do is verify your identity then it's looks like we will be telling you Congrats in a few days when you update that you received the elusive phone call and provided them with what they needed.

Re: Capital One Walmart Store Card CLI Denial

Rebuild2019 — Thu, 21 May 2020 10:06:14 GMT

I agree @lusedtolurk

Re: Capital One Walmart Store Card CLI Denial

Shawn19AL — Sat, 23 May 2020 17:25:34 GMT

Annnnd, I got a whole whopping $100.

welp, let's see what happens in another 3 months.

@Rebuild2019

Re: Capital One Walmart Store Card CLI Denial

TekkenQQ7 — Sun, 24 May 2020 02:00:10 GMT

Re: Capital One Walmart Store Card CLI Denial

jmos — Sun, 24 May 2020 17:54:21 GMT

Congrats on your CLI!! I can't seem to get them to budge for an increase on my $ 300 limit.

Re: Capital One Walmart Store Card CLI Denial

AllZero — Sun, 24 May 2020 18:58:19 GMT

@Shawn19AL wrote:
Annnnd, I got a whole whopping $100.

welp, let's see what happens in another 3 months.

Congratulations on your CLI!

Re: Capital One Walmart Store Card CLI Denial

Shawn19AL — Sun, 24 May 2020 20:32:03 GMT

@jmos

I asked for $750 because I'm running about $500 through it since I had it. I figured I would go up a little incase I needed it.