topic Re: Overstock... Account Protection... Shoot me! in Credit Card Applications

Overstock... Account Protection... Shoot me!

Creditaddict — Tue, 21 Apr 2015 15:09:50 GMT

Received Account Protection letter and failed the security question: How many months is your auto loan? I said which one?! He asked me the same question again... so I provided the term of the original one and I should have said NONE OF THE ABOVE.

The application has been denied and I'm told I have to re-apply in 30 days.

I said 2 minutes later I was approved through the same department for a Z-Gallerie Card for $5k, why can't you use that verification, or the verification of my other 20+ comenity accounts!

"We are just the bank for the client, each client has different requirements to approve for their credit card"
I said "I know each has different requirements but only the bank verifies the identity of someone not your client because the bank is the one lending the money"

"There is nothing we can do!"

I love them if I never have to call them... when I have to call them it makes me a bit....

I called the new accounts line instead of account protection and she called over and said she explained to them but nothing either could do... I asked to speak to Executive office and she told me she did not have the number and could not transfer me...

I told her that is the problem with this bank... YOU WORK THERE and you don't have the number... Would you like it for your reference because I have it!?

"I'm Sorry but."

No, that's fine, I'll call directly myself... click

Re: Overstock... Account Protection... Shoot me!

Anonymous — Tue, 21 Apr 2015 16:08:06 GMT

If you really despise Comenity, WHY do you subject yourself to having them torture you with all your Apps??? Are you into S&M???

Re: Overstock... Account Protection... Shoot me!

Creditaddict — Tue, 21 Apr 2015 16:12:44 GMT

@Anonymous wrote:
If you really despise Comenity, WHY do you subject yourself to having them torture you with all your Apps??? Are you into S&M???

They back a lot of Stuff*... Hard to avoid them... but I have gotten much better about taking the approvals and running and letting the denials go without trying to get them overturned... however I don't think I have been approved basicaly pending the 3 questions and then denied for failing the questions and that's the only reason!

I made my 1 call to EO and if they are just as stupid as they normally are I will not pursue it further... I know better with the security questions and shouldn't have messed it up!

When in doubt always go with the wrong answer that they could think is right!

Re: Overstock... Account Protection... Shoot me!

Anonymous — Tue, 21 Apr 2015 16:15:53 GMT

@Creditaddict wrote:
@Anonymous wrote:
If you really despise Comenity, WHY do you subject yourself to having them torture you with all your Apps??? Are you into S&M???
They back a lot of Stuff*... Hard to avoid them... but I have gotten much better about taking the approvals and running and letting the denials go without trying to get them overturned... however I don't think I have been approved basicaly pending the 3 questions and then denied for failing the questions and that's the only reason!
I made my 1 call to EO and if they are just as stupid as they normally are I will not pursue it further... I know better with the security questions and shouldn't have messed it up!
When in doubt always go with the wrong answer that they could think is right!

Why did they send you the letter in the first place?

Re: Overstock... Account Protection... Shoot me!

Creditaddict — Tue, 21 Apr 2015 16:35:27 GMT

@Anonymous wrote:
@Creditaddict wrote:
@Anonymous wrote:
If you really despise Comenity, WHY do you subject yourself to having them torture you with all your Apps??? Are you into S&M???
They back a lot of Stuff*... Hard to avoid them... but I have gotten much better about taking the approvals and running and letting the denials go without trying to get them overturned... however I don't think I have been approved basicaly pending the 3 questions and then denied for failing the questions and that's the only reason!
I made my 1 call to EO and if they are just as stupid as they normally are I will not pursue it further... I know better with the security questions and shouldn't have messed it up!
When in doubt always go with the wrong answer that they could think is right!
Why did they send you the letter in the first place?

Because they are SO STUPID and do this 1980 snail mail verification that it's you that applied despite all the other cards I have... Had I answered the questions correctly they would have issued me an approval.

Re: Overstock... Account Protection... Shoot me!

Anonymous — Tue, 21 Apr 2015 16:35:48 GMT

My suggestion since it seems you are App-Bat crazy 24/7 apping away like its no tomorrow. . . Type up all the common security questions/answers and ha e that sheet ready. That way, you won't be freaking out in your head wondering what is the answer woven they asked you.

Re: Overstock... Account Protection... Shoot me!

Anonymous — Tue, 21 Apr 2015 16:40:11 GMT

Also, CA, not to harp on anyone, but COMENITY is and has been known to shut down all accounts. I mean ALL for not answering security questions correctly.

How do I know ?

Because a buddy of mine...like you apped for every freaking Comenity card on the planet. One day he logged in one his cards and the credit lines were reduced to zero.

He checked all his cards and same thing. ZERO, ZERO, ZERO credit lines.

He had to go through he'll to reopen his cards. Let's just day they tortured him with paperwork galore.

Just saying.

Re: Overstock... Account Protection... Shoot me!

Anonymous — Tue, 21 Apr 2015 16:40:35 GMT

Also, CA, not to harp on anyone, but COMENITY is and has been known to shut down all accounts. I mean ALL for not answering security questions correctly.

How do I know ?

Because a buddy of mine...like you apped for every freaking Comenity card on the planet. One day he logged in one his cards and the credit lines were reduced to zero.

He checked all his cards and same thing. ZERO, ZERO, ZERO credit lines.

He had to go through hell to reopen his cards. Let's just day they tortured him with paperwork galore.

Just saying.

Re: Overstock... Account Protection... Shoot me!

Creditaddict — Tue, 21 Apr 2015 16:40:55 GMT

@Anonymous wrote:
My suggestion since it seems you are App-Bat crazy 24/7 apping away like its no tomorrow. . . Type up all the common security questions/answers and ha e that sheet ready. That way, you won't be freaking out in your head wondering what is the answer woven they asked you.

I know questions inside and out... but if the options include multiple answers I can't fix that!

They asked how many months my car loan was?

They did not say which month the car loan opened was... and since I just refinanced it again less than 2 months ago I was not sure if they were pulling the newest loan or the previous one.

I answered 60 and should have said NONE... little crazy that a real human can't look at internal accounts and say oh right we have this person as a cardholder and he says he did apply, so he is verified ALREADY since he has been paying his other cards with our bank for over a year!

Re: Overstock... Account Protection... Shoot me!

Mortalito77 — Tue, 21 Apr 2015 16:48:58 GMT

Wow! I guess I better be careful, In an attempt to organize all my credit cards properly and separate my bank/credit cards from my personal emails I've been switching all my accounts to reflect my exclusive email just for my banking stuff. I hope they don't think something weird is going on. I will just chill with them if that's the case. C.A sorry this happened to you, and thanks for sharing

Re: Overstock... Account Protection... Shoot me!

B335is — Tue, 21 Apr 2015 17:07:46 GMT

Ugh I have the application screen up. I need a new shaver and want that 10%

Re: Overstock... Account Protection... Shoot me!

CreditMagic7 — Tue, 21 Apr 2015 18:02:33 GMT

I only ever have called them and it was on the puny 1500 Good Sams Visa. I closed it 2 days after approval from the automated line then called in to them to verify that it was indeed closed out. They were so nice and even thanked me for being such a good Good Sams customer

Re: Overstock... Account Protection... Shoot me!

Anonymous — Tue, 21 Apr 2015 18:04:25 GMT

@CreditMagic7 wrote:
I only ever have called them and it was on the puny 1500 Good Sams Visa. I closed it 2 days after approval from the automated line then called in to them to verify that it was indeed closed out. They were so nice and even thanked me for being such a good Good Sams customer

Proud of you.

Re: Overstock... Account Protection... Shoot me!

CreditMagic7 — Tue, 21 Apr 2015 18:27:51 GMT

But i never even activated the card

How can they thank you for being with Good Sams without a single charge?

Re: Overstock... Account Protection... Shoot me!

Anonymous — Wed, 22 Apr 2015 04:31:26 GMT

@Anonymous wrote:
If you really despise Comenity, WHY do you subject yourself to having them torture you with all your Apps??? Are you into S&M???

Good one balboa!!!

Re: Overstock... Account Protection... Shoot me!

pizza1 — Wed, 22 Apr 2015 20:01:55 GMT

@CreditMagic7 wrote:
But i never even activated the card

How can they thank you for being with Good Sams without a single charge?

Becasue they are reading script.

Re: Overstock... Account Protection... Shoot me!

pizza1 — Wed, 22 Apr 2015 20:06:35 GMT

@Creditaddict wrote:
Received Account Protection letter and failed the security question: How many months is your auto loan? I said which one?! He asked me the same question again... so I provided the term of the original one and I should have said NONE OF THE ABOVE.
The application has been denied and I'm told I have to re-apply in 30 days.
I said 2 minutes later I was approved through the same department for a Z-Gallerie Card for $5k, why can't you use that verification, or the verification of my other 20+ comenity accounts!
"We are just the bank for the client, each client has different requirements to approve for their credit card"
I said "I know each has different requirements but only the bank verifies the identity of someone not your client because the bank is the one lending the money"
"There is nothing we can do!"

I love them if I never have to call them... when I have to call them it makes me a bit....

I called the new accounts line instead of account protection and she called over and said she explained to them but nothing either could do... I asked to speak to Executive office and she told me she did not have the number and could not transfer me...
I told her that is the problem with this bank... YOU WORK THERE and you don't have the number... Would you like it for your reference because I have it!?
"I'm Sorry but."
No, that's fine, I'll call directly myself... click

OOOMMMGGG!!

Im completely exhausted right now FOR YOU! SOOO frustrating!! They like to throw in trick questions, let me explain..

My Car loan with Navy is originally 49 months, but it reports to the CRA as 48 mo. So, KNOWING THIS...and KNOWING this is one of their questions like to throw at me, I always say 48, and always get approved.

This was a total SHOE IN APPROVAL if answered correctly, Im soooo sorry CA!! UGH;(

Re: Overstock... Account Protection... Shoot me!

NRB525 — Thu, 23 Apr 2015 03:55:09 GMT

i'm never getting a car loan.

Re: Overstock... Account Protection... Shoot me!

B335is — Thu, 23 Apr 2015 06:32:20 GMT

That's a broad statement.

Re: Overstock... Account Protection... Shoot me!

lg8302ch — Thu, 23 Apr 2015 07:02:54 GMT

ahhh.....these security questions ! I failed DCU membership because I had no clue how old the building is I live in (and I rent only) ...took none of the above because I had not the slightest clue....well that was wrong...lol... gave up on them and asked them to remove the HP and I would forget it. DCU was nice and recoded the pull as SP. That was nice. But honestly who in the world knows the age of the building you rent your apartment ?? I doubt the owner would have been able to answer .. I find these security questions getting really terrible. Another of these questions is the phone number from 10+ years ago... who knows that? I am better in playing lottery games