topic Re: Amazon Store Credit App, I goofed and not sure how / can fix it. in Credit Card Applications

Amazon Store Credit App, No letter after 20 days still.

Anonymous — Fri, 25 Sep 2020 00:17:04 GMT

I have all the credit reporting on freeze. I did a bit of research and found that Transunion was the go to for Synchrony Bank to do credit checks.

I logged into the TU account, read to give it 15 minutes after notification to unfreeze it. So, I unfroze it waited 30 minutes and applied. Denied. Says I should get an email within 4 days, if no email than 7 - 10 days for snail mail (the way the USPS has been, maybe 2 weeks).

I have a score of 820ish, with a debt / credit ratio of around 13%. So, I figured I would have no problems.

About an hour later, I get an email from TU "Your freeze has been lifted". Then it dawned on me THAT was the notification, not the other. So, now that the freeze had been officially lifted, I tried again.

Another denial.

I called synchrony bank and spoke with someone who kept me on the phone for 10 minutes while they were looking at everything. She said that she couldn't approve the application, and to wait for the letter and re-apply. She couldn't state why she couldn't approve it either.

I checked the TU report and saw I got dinged for a credit check. So, they did run it probably the second time. Should I call back on Tuesday? Wait for the letter? Or am I SOL with a ding on my account and a possible second one if I apply again?

Thanks.

Re: Amazon Store Credit App, I goofed and not sure how / can fix it.

Rogue46 — Mon, 07 Sep 2020 15:48:01 GMT

I would wait to see what the letter says since you already called and they couldn't give you more info there's not much you can do

Re: Amazon Store Credit App, I goofed and not sure how / can fix it.

Anonymous — Wed, 09 Sep 2020 14:26:39 GMT

Thank you for your response.

Is it possible that after an initial denial but after the post denial review (as per the woman on the phone) they would accept the application?

I've only had this happen once, years ago. There was an issue with the credit reporting company who had gotten my father's information onto my credit report (he went through some financial issues). After I explained the credit card they are holding against me was taken out 10 years before I was born, and it was evident by my date of birth provided, they granted me the CC.

Re: Amazon Store Credit App, I goofed and not sure how / can fix it.

Anonymous — Thu, 10 Sep 2020 10:58:10 GMT

To say this has been a bit frusturating.. is an understatement.

I got an email early this am stating;

Dear Blah Blah,

We are responding to your recent application for a AMAZON.COM STORECARD (Reference Number: XYADA). Please click here to review the response on our secure site. To help reduce our impact on the environment, we are sending this letter to you electronically. You can download or print the letter for your records.

If you have trouble opening this within your email system, copy the link below into a new browser and hit enter. This will bring you to an authentication screen where you will be asked for credentials.

https://ebill.onlineebillcenter.com/odletters/odletter.do?subActionId ETC ETC

Sincerely,

AMAZON.COM STORECARD Services

* Note: This email was sent to you by Synchrony Bank's Credit Card Services Division. You may receive account servicing emails even if you have requested not to receive marketing offers by email. Synchrony Bank is located at 170 Election Road, Suite 125, Draper, UT 84020, USA. www.synchronyfinancial.com.

I am like "Oh, great. Now I can get an answer as to what happened!"

So, I open the link.. punch in my reference number and... "The information you provided does not match our records. Please use your browser's back button to try again."

So... I do it again, and it says it again. I change the formatting for my DOB, and try again.

"PDF cannot be displayed"

Try it on 2 different devices, no go. **bleep**?

Guess I am going to have to recall them and ask them what the heck is going on.

Re: Amazon Store Credit App, I goofed and not sure how / can fix it.

BmoreBull — Thu, 10 Sep 2020 12:22:08 GMT

Are you over 5/24? Just curious as to why you would want the Synch version over the Chase card.

Re: Amazon Store Credit App, I goofed and not sure how / can fix it.

Anonymous — Thu, 10 Sep 2020 12:34:42 GMT

I just wanted a card that allowed 0% interest for at least 12 months on fairly large purchases.

I didn't realize the Chase card allowed that as well (deferred payment?) until after I had already applied.

I am no where near 5/24. I have a Chase Card I took out 7 years ago (19k limit) and an under $2500 auto loan with them. I am half tempted to apply for the Chase card, but I don't want to keep dinging my account with hard inquiries.

Re: Amazon Store Credit App, I goofed and not sure how / can fix it.

Anonymous — Thu, 10 Sep 2020 14:07:33 GMT

Well, that wasn't fun.

I kept telling the CSR that I cant access the email they sent me, to see if they need more information. So, I asked to be transferred to a supervisor (Craig).

He said I have to wait 31 days, then make an application again, and it will create another hard inquiry. I tried to explain to him that they already have the credit report from a few days ago, and why cant they override the denial as I have nothing wrong with my credit and use that report. He said it's not possible, and hung up on me.

Well, I wont be making application to that company anymore. Wow.

Re: Amazon Store Credit App, I goofed and not sure how / can fix it.

OmarGB9 — Thu, 10 Sep 2020 16:10:50 GMT

@Anonymous wrote:
Well, that wasn't fun.

I kept telling the CSR that I cant access the email they sent me, to see if they need more information. So, I asked to be transferred to a supervisor (Craig).

He said I have to wait 31 days, then make an application again, and it will create another hard inquiry. I tried to explain to him that they already have the credit report from a few days ago, and why cant they override the denial as I have nothing wrong with my credit and use that report. He said it's not possible, and hung up on me.

Well, I wont be making application to that company anymore. Wow.

This was for Synchrony? If I were you, I'd just take the hit and go with Chase. You already have some history with them, and if you're well below 5/24 with good credit, you probably have good odds. In the grand scheme of things, an HP isn't that big a deal, especially if you don't really have any on your CRs to begin with.

Re: Amazon Store Credit App, I goofed and not sure how / can fix it.

Anonymous — Thu, 10 Sep 2020 16:26:37 GMT

I think I'll end up having to do that in the end.

I am going to take a small breather and wait for the paper denial in the mail, just as a mental break.

Re: Amazon Store Credit App, I goofed and not sure how / can fix it.

Slabenstein — Thu, 10 Sep 2020 16:32:45 GMT

Well, I wont be making application to that company anymore. Wow.

Synchrony can have that effect on people.

Re: Amazon Store Credit App, I goofed and not sure how / can fix it.

Anonymous — Thu, 10 Sep 2020 16:41:09 GMT

@Slabenstein wrote:
Well, I wont be making application to that company anymore. Wow.
Synchrony can have that effect on people.

Its unfortunate because of how many companies they deal with.

Re: Amazon Store Credit App, I goofed and not sure how / can fix it.

Phoenixupward — Sun, 13 Sep 2020 10:09:20 GMT

Agreed. Between synchrony and comenity, they both have a monopoly when it comes to many companies who issue credit.

Re: Amazon Store Credit App, I goofed and not sure how / can fix it.

Anonymous — Fri, 25 Sep 2020 00:16:28 GMT

Been over 3 weeks and no letter.

What gives? They won't tell me over the phone and the email I got denies me the ability to check.

Re: Amazon Store Credit App, I goofed and not sure how / can fix it.

Conceptual23 — Sat, 26 Sep 2020 08:43:25 GMT

I'm in the exact same situation where CS won't provide me with details other than saying the application is under review and that I have to wait on the letter. Crazy!

Got my denial letter from Synchrony Bank (Amazon), but they list Sagestream LLC on the letter

Anonymous — Wed, 21 Oct 2020 01:20:42 GMT

I had to call Synchrony to send me the letter of denial as I never got it after the 10 days.

Letter says the reasons I did not score well was;

Applicant Associated With Multiple Phone Changes

Limited history of consumer at applicants phone number

Limited history of consumer at applicants phone number and address

Too few satisfactory accounts

What on earth is Sagestream and what on earth are their reasons above? I had a Hard pull from trans union, not these people.

I have a FICO of 820 plus from the big three, with 10% credit utilization. Last account I took out was in March 2019, and it was paid off.

Is there anyway around this?

Sagestream Report, I got 'dinged' because of too many phone numbers?

Anonymous — Tue, 03 Nov 2020 19:43:06 GMT

I am the primary on my family's verizon account. One of their negatives for me was 'too many phone numbers listed'.

Which phone numbers? Everyone on my account.

Off to the freeze world they go. Can't believe this is even a company places pull from. I have no idea where they get their scoring system from.

Re: Sagestream Report, I got 'dinged' because of too many phone numbers?

cashorcharge — Tue, 03 Nov 2020 20:45:46 GMT

I pulled my SageStream report because I was curious as to what was on there and I too found so many phone numbers that I barely remembered having them as I read through the list. It also had all the name spelling errors for everyone that had misspelled my name or got my name backwards during a credit inquiry for what seemed to be 25+ years (I think this led to aliases being listed on my other reports incorrectly). Suffice it say...it had a lot of info on there that was no longer relevant....home phone numbers from 15 years ago are no longer relevant in my opinion. I called the number and spoke to a representative about cleaning up the report. The call took about 15 minutes, I went through line by line of information that was either incorrect or severely outdated. He stated he would open a dispute, gave me a reference number and about 2 weeks later, I received a new report with all the incorrect information removed. Disputing with them was A LOT easier than with the other 3 major credit bureaus and while I hadn't been denied credit or had someone reference that report as you've stated is your experience, I felt better knowing it was cleaned up. Give them a call.....

Re: Sagestream Report, I got 'dinged' because of too many phone numbers?

rostrow416 — Tue, 03 Nov 2020 21:14:28 GMT

Thats why i keep them on ice

Re: Sagestream Report, I got 'dinged' because of too many phone numbers?

coldfusion — Tue, 03 Nov 2020 21:29:44 GMT

Word to the wise regarding playing the long game: fix, don't freeze.

You will also want to pull your LexisNexis report (LexisNexis now owns SageStream BTW) and dispute off any errors so they don't percolate down to the CRAs.