topic Re: Chase is being stubburn with approving me since i have a fraud alert. in Credit Cards

Chase is being stubburn with approving me since i have a fraud alert.

Techno — Mon, 16 Sep 2013 09:26:00 GMT

It's literally the first time i have encountered such a thing. since i have a fraud alert, as someone might try to steal my idendity(long story) as he could, but that's another issue.

Iv'e applied for freedom, i talked to customer service iv'e been told by the underwriter that i don't have any credit problems, and that they approved me the only thing is that they gonna send me a letter to verify my SS to my home adress by mail and then i can fax or mail it back to them, since i don't really live in this adress much it would take an unnsccesary trip and about 3 weeks from now till i get the actual card that's so much hassle for nothing. usually they call me and verify me over the phone, like they did with amex before. not to mention i already own a chase amazon rewards card so i am not a new member. over the phone iv'e been told there's nothing we can do over the phone, but i'm gonna call tomorrow and see maybe that chages as i don't feel like waiting for that long. anybody knows what should i do, a backdoor, or maybe a way to prove i am myself to the creditor, other than that i thought about removing my fraud alert, and putting it back after they let me have the card regularily with no hassle.

Re: Chase is being stubburn with approving me since i have a fraud alert.

09Lexie — Mon, 16 Sep 2013 09:31:13 GMT

Removing the FA after the fact will not help with your current situation. Usually, they will call (they did for me and my DH) so I am assuming the CR's are showing multiple addresses or they have a concern.

I doubt you'll be able to get around the address verifications without raising red flags. You are free to call using the numbers on the backdoor sticky. Good luck.

Re: Chase is being stubburn with approving me since i have a fraud alert.

Techno — Mon, 16 Sep 2013 09:38:33 GMT

Well i got approved for amex bcp two weeks ago, and declined for an auto loan two days ago. so maybe that?

Re: Chase is being stubburn with approving me since i have a fraud alert.

Anonymous — Mon, 16 Sep 2013 10:05:00 GMT

Fraud alert is going to do that. It is doing its job which is to make any lenders much more cautious with allowing new credit without first verifying in more detail than normal. At least any potential fraudsters would have same problem. However, sounds like chase's procedure is especially cumbersome.

Re: Chase is being stubburn with approving me since i have a fraud alert.

missjae — Mon, 16 Sep 2013 10:47:29 GMT

@Techno wrote:
It's literally the first time i have encountered such a thing. since i have a fraud alert, as someone might try to steal my idendity(long story) as he could, but that's another issue.
Iv'e applied for freedom, i talked to customer service iv'e been told by the underwriter that i don't have any credit problems, and that they approved me the only thing is that they gonna send me a letter to verify my SS to my home adress by mail and then i can fax or mail it back to them, since i don't really live in this adress much it would take an unnsccesary trip and about 3 weeks from now till i get the actual card that's so much hassle for nothing. usually they call me and verify me over the phone, like they did with amex before. not to mention i already own a chase amazon rewards card so i am not a new member. over the phone iv'e been told there's nothing we can do over the phone, but i'm gonna call tomorrow and see maybe that chages as i don't feel like waiting for that long. anybody knows what should i do, a backdoor, or maybe a way to prove i am myself to the creditor, other than that i thought about removing my fraud alert, and putting it back after they let me have the card regularily with no hassle.

I'm having a similar problem with Chase and I am already a customer. When I was first approved for the Sapphire, I had an initial fraud alert. They called and verified my identity. When I applied for a new card, I had an extended fraud alert. This is something the credit bureaus did on their own. The extended fraud alert didn't have a phone number, so they wouldn't proceed with my app. I went to the EO and Chase insists that I add a phone number to the alert before they proceed. It's a lot of hassle for something they may or may not approve me for. In short, Chase seems to stick to the rules. You can try the EO if you want. They move very quickly, but it might be best to do what they're asking if you want the card.

Re: Chase is being stubburn with approving me since i have a fraud alert.

maiden_girl — Mon, 16 Sep 2013 11:34:41 GMT

I have a FA on my CR and I've been approved for a credit card. My application wasn't immediately approved and I did have to verify some information but the process was very simply and the lenders did their job as requested. It sounds to me as if you applied for a card using an address you no longer reside...

Re: Chase is being stubburn with approving me since i have a fraud alert.

takeshi74 — Mon, 16 Sep 2013 12:24:28 GMT

Chase isn't being stubborn. You're being impatient. You have a fraud alert and they're taking appropriate precautions.

Re: Chase is being stubburn with approving me since i have a fraud alert.

FinStar — Mon, 16 Sep 2013 13:50:46 GMT

@takeshi74 wrote:
Chase isn't being stubborn. You're being impatient. You have a fraud alert and they're taking appropriate precautions.

And what Lexie mentioned above.

Re: Chase is being stubborn with approving me since I have a fraud alert.

Anonymous — Mon, 16 Sep 2013 15:01:41 GMT

It does sound extremely inconvenient, but I agree with the above mentioned people. That is the whole point of fraud alert. If at all possible, do you best to keep your address as one you reside at. It may simply be because I'm not in your shoes, but having your address as one you don't even live in seems both unnecessary and sketchy.

Re: Chase is being stubburn with approving me since i have a fraud alert.

sccredit — Mon, 16 Sep 2013 15:31:19 GMT

@Techno wrote:
In short, Chase seems to stick to the rules.

This. Have patience. The Fraud Alert is there for a reason.

Re: Chase is being stubborn with approving me since I have a fraud alert.

HeilFico — Mon, 16 Sep 2013 15:49:37 GMT

@Anonymous wrote:
It does sound extremely inconvenient, but I agree with the above mentioned people. That is the whole point of fraud alert. If at all possible, do you best to keep your address as one you reside at. It may simply be because I'm not in your shoes, but having your address as one you don't even live in seems both unnecessary and sketchy.

Everyone's situation is different so to say the OP might be exhibiting "sketchy" behavior might be a bit harsh. Maybe the OP is living with roommates and doesn't want important financials sent there. In addition, OP has already mentioned that there has been possible issues with identity theft before. The address given to Chase may have been a relatives home for security sake.

Re: Chase is being stubborn with approving me since I have a fraud alert.

Anonymous — Mon, 16 Sep 2013 16:51:13 GMT

Very true, I can only speak from my own shoes. It does make things more complicated though, that's for sure. If the money can be spared, maybe somebody at the current address can fedex express it to OP, though I'm not sure how much it costs.