AAdvantage MileUp Mastercard Citibank DENIAL because HUH?

[681jim]

So about a week or so ago, I decided to apply for the American Airlines MileUp Mastercard, admin'ed by Citi. I got the denial letter today, and it said I had delinquent credit obligs were recorded on my report (said it twice), then it also said...

*You have filed for bankruptcy and your previous account(s) with us was included in that filing

*Your previous or existing account with us has a history of late payments.

Two problems with that... I've never filed bankruptcy nor have I EVER, EVER had an account with CitiBank of ANY KIND! Never!

Can someone tell me what's going on??

[Anonymous]

I would call can ask for a supervisor and then tell them to prove the account in question.

[FinStar]

Keep in mind OP that Citi has absorbed a variety of entities over the years. So, unless it's a predecessor bank or a very old account would be my guess. Were you ever an AU on anyone else's account by chance?

[681jim]

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@FinStar wrote:
Keep in mind OP that Citi has absorbed a variety of entities over the years. So, unless it's a predecessor bank or a very old account would be my guess. Were you ever an AU on anyone else's account by chance?

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I was never an AU on anyone's account.

[681jim]

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@Anonymous wrote:

I would call can ask for a supervisor and then tell them to prove the account in question.

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Can't get through to a live person with the phone number provided in the denial letter.

[FinStar]

Try the following link. There's a few backdoor numbers you can use to reach someone live:

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Backdoor-Numbers/td-p/408066

[681jim]

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@FinStar wrote:
Try the following link. There's a few backdoor numbers you can use to reach someone live:

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Backdoor-Numbers/td-p/408066

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Yup, that did the trick! Thank you!

[681jim]

An update. I finally got through to Citi, thanks to one of the backdoor numbers posted. They agreed to remove the Bankruptcy and the Previous/Existing account stats from their "internal database." I'd like to know where the world they came up with that info on me to begin with, anyway.

[Anonymous]

So then did that get your app back on track, or did they still deny due to your low score?

[681jim]

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@Anonymous wrote:

So then did that get your app back on track, or did they still deny due to your low score?

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They're still going to deny me due to low score and the fact I have some "delinquent credit obligations" on my report.