topic Re: Bank of America Problem in Credit Cards

Bank of America Problem

Anonymous — Sun, 04 Sep 2011 04:12:50 GMT

ok so i applied for the secured card about 10 days ago, and when i called the day after my app, the rep said i was approved. i expected the card earlier, but today i finally got a letter in the mail. heres what it says pretty much:

"thank you for the app. we are required to obtain, verify, and record all info that identifies each person who opens an account. because we have not been able to complete the necessary indentity verification, we can no longer continue the review and processing of you app."

what the heck does that mean? lol. do i not exist as a person? lol. im going to call them tomorrow morning. if anyone has any advice or similar stores like this please share, cause im lost on this one haha.

Re: Bank of America Problem

dude11 — Sun, 04 Sep 2011 04:42:16 GMT

Sounds like maybe they needed you to call them to provide additional info and the amount of time allotted expired. Do you recall ever seeing a message or getting any type of email/letter stating they needed additional info?

Re: Bank of America Problem

Anonymous — Sun, 04 Sep 2011 04:48:44 GMT

no thats why im so confused haha.

obviosuly they had my right info, because they got my address and name correct, and they pulled my score from experian. i talked to the rep after i applied and he said i was approved. if they emailed me or called i would have cleared any problems up lol.

Re: Bank of America Problem

Anonymous — Sun, 04 Sep 2011 10:54:01 GMT

Do your personal info on your credit report matching with info you put on application?

Re: Bank of America Problem

John060675 — Sun, 04 Sep 2011 11:36:04 GMT

I received the same response when I applied for an AMEX card, and it was due to me having a freeze on my credit report. When I called them they just asked me a couple more questions for verification and the card was on the way to me.

I have a feeling it will be just the same type of process. I would not worry about it. Heck, nothing wrong with one more layer of security in this identity theft world.

Re: Bank of America Problem

flyingmd — Sun, 04 Sep 2011 12:05:37 GMT

If there is any mismatch with the credit bureau info (name, address, birthdate, etc) and what you put on the application, they will sometimes ask for other identifying info (utility bill, bank statement, Drivers License, SS card, etc). I would call them and find out what they want you to provide and then get them the info. Usually when something like this happens, it is a formality that once you satisfy you will be approved. If they were going to deny you, they would have not bothered with wanting the info. Good luck. I had a BoA secured card at one point. PIF every month and on time for 12 months. Called the up at that point and they unsecured it (unlike some of the other companies, notably Wells Fargo, Cap One, which will rarely unsecure a card). Let us know.

Re: Bank of America Problem

Anonymous — Sun, 04 Sep 2011 13:43:35 GMT

yea im going to call them later today and see whats up. hopefully we can straighten it out and ill still be able to get the card. its just frustrating because the letter was dated aug 29th. if they called or emailed me i would have responded instantly lol.

ill let you guys know what happens/their reasons for stopping the app.

Re: Bank of America Problem

Anonymous — Sun, 04 Sep 2011 14:39:33 GMT

@Anonymous wrote:
yea im going to call them later today and see whats up. hopefully we can straighten it out and ill still be able to get the card. its just frustrating because the letter was dated aug 29th. if they called or emailed me i would have responded instantly lol.

ill let you guys know what happens/their reasons for stopping the app.

I'm sure it's something simple. The same thing happened to me when I apped for the AmEx Blue Cash, my current address I provided on the app and the current address on my EX report did not match, I called AmEx and gave them my correct current address and instant approval.

I'm willing to bet it is something along those lines (on your credit report) your current address, current employer ect...... did not match what you put on your app.

Keep us updated, Best of Luck!!

Re: Bank of America Problem

Anonymous — Sun, 04 Sep 2011 15:08:33 GMT

i just called the customer service number and they cant help me since i dont have an account number. i called the app status and they just said i was denied and id recieve a letter which i did.

i called one backdoor number but they have no office hours today.

does anyone have any suggestions on who/when to contact? thanks.

Re: Bank of America Problem

Walt_K — Sun, 04 Sep 2011 15:39:10 GMT

@Anonymous wrote:
i just called the customer service number and they cant help me since i dont have an account number. i called the app status and they just said i was denied and id recieve a letter which i did.

i called one backdoor number but they have no office hours today.

does anyone have any suggestions on who/when to contact? thanks.

It's a holiday weekend. You'll probably just need to call the backdoor number again on Tuesday, maybe they'll be open on Monday.

Re: Bank of America Problem

Anonymous — Sun, 04 Sep 2011 15:46:27 GMT

@Anonymous wrote:
i just called the customer service number and they cant help me since i dont have an account number. i called the app status and they just said i was denied and id recieve a letter which i did.

i called one backdoor number but they have no office hours today.

does anyone have any suggestions on who/when to contact? thanks.

I guess you should call the "BofA: 866-421-8153 (App status)" tomorrow (Monday) morning and see what you can find out. That would be my first move.

I wish you all the best, let us know what you find out.

EDIT: just read Walt_K's reply, I forgot it's a Holiday weekend, they may or may not be open Labor Day, you might have to wait till Tuesday, I'd still give it a shot tomorrow, they might just be open.

Re: Bank of America Problem

flyingmd — Sun, 04 Sep 2011 17:31:15 GMT

Id call the backdoor number but you may have to wait till Tuesday. Tommorrow is a bank holiday so most of the financial offices will be closed (and hence the people who can make an instant decision for you). Good luck. Let us know. Im geussing that there was a significant difference in some of the info between your app and your credit report, which could prompt an instant denial. Whenver a bank suspects fraud (not saying theres fraud here just that a bank may suspect, they close, deny, cancel, run away first and ask question second if at all). Hopefully it is something along these lines and you will be able to clear up on the phone or some identity document like a utility bill, etc..

Re: Bank of America Problem

Anonymous — Sun, 04 Sep 2011 18:21:06 GMT

ok thanks. ill try again tomorrow, but im sure itll be tuesday when they open again. i just need to talk to a person instead of a machine haha,

i dont see what could be so different on my credit report, cause cap1 approved me and sent me everything a month ago for a different card. maybe i entered stuff wrong on the BoA app. ill figure it out and let you guys know what happened in a few days.

Re: Bank of America Problem

Anonymous — Wed, 07 Sep 2011 22:48:37 GMT

ok so heres what happened.

i called the application number on tuesday and they connected me to a credit specialist/analyst or something. i gave them my info and it was hard to find because i think my social security was entered wrong by one number on my online app(fail on my part haha) so he told me i had to go to a branch in person to prove my identity and fix it in the system. i went in today with my ID and my SS card and instead of changing stuff in the system, my specialist just made started a new app in person and i gave him all the right info and a check. it worked out because i decided to do a larger credit limit ($1500), so hopefully when it graduates, they give me a larger CL.

so in the end it seems everything worked out and i should receive my card, just in 2-4 weeks instead of last week lol. oh well. all's well that ends well i guess right? haha.