Hello,
I've recently applied for Bank of America Cash Rewards card. I already have a credit card, but I am young and I felt this would be another good card for me to build credit with desirable rewards.
I was not instantly approved for the card, so I would check back each day to see if my application was approved or denied online. Eventually I noticed that my application was denied and that I would be getting a letter in the mail explaining my denial. A week or so later I recieved a letter stating that I needed to call a number to verify more information for them to give further consideration to my application. I did this, and the questions were very similar to the questions I have answered on a credit report. After hanging up the phone I googled the number and was very concerned to find that some people have reported the number as fraudulent, and some had reported it as legitimate. I took the proper steps that day to ensure that my identity was protected as best as possible, and am still actively monitoring it (no red flags). However, 2 days after this phone call, I noticed my online application went from "denied" to "in-review" again, which the man over the phone said would happen - which leads me to believe it was legitimate.
My best bet is that Bank of America outsources their credit checking, which is why a google-search of the number does not immediately tag it to Bank of America. My only concern is, two weeks later my application went from "in-review" to "denied" again, and I recieved the same exact letter with the same phone number and message, asking me to verify my identity.
I am very hesitant to call the number and go through the process again. I did not give my SSN during the first phone call, but they knew me by name and reference number. I just want to know if this is a legit caller and/or common occurence. I have looked up online that there are a lot of BoA recon numbers I can call to review my application, but I am just worried of calling one of those numbers and it ends up being an information scam.
I really want this BoA card as the rewards work perfectly for me, but I'm getting skeptical with this process. I am not a BoA member so whenever I try to call customer support I am not able to get through to a live person as I do not have a BoA account number.
Any advice would be appreciated.
Thanks
