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CareCrefit Denial Unable to Verify Identity

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Valued Member

CareCrefit Denial Unable to Verify Identity

Anything you can do for being denied for unable to verify identity? Have a Lowe's card with $12k and 700 score across all 3 figured they would approve carecredit

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Community Leader
Mega Contributor

Re: CareCrefit Denial Unable to Verify Identity


@Morphyyy wrote:

Anything you can do for being denied for unable to verify identity? Have a Lowe's card with $12k and 700 score across all 3 figured they would approve carecredit


Having another Sync card doesnt translate to getting approved for another. All have different underwriting.  However ive run across this at times when soliciting cli even though i have multiple accounts. I think its some kind of weird glitch. You should call and explain the reason given. Sometimes this csn be solved by the csr by actually taking your info and them verifying you on the phone. Its the only true revon ive seen with Sync. 

Message 2 of 13
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Moderator

Re: CareCrefit Denial Unable to Verify Identity


@Morphyyy wrote:

Anything you can do for being denied for unable to verify identity? Have a Lowe's card with $12k and 700 score across all 3 figured they would approve carecredit


Have you received a letter which may provide a way for you to contact them and rectify the identity verification issue?

Message 3 of 13
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Valued Contributor

Re: CareCrefit Denial Unable to Verify Identity

@Morphyyy 

I would definitely call Customer service and explain the denial and ask to have a manual application.  My experience cust service will ask secured question for approval decision.  Just my opinion..Good luck!

Message 4 of 13
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Super Contributor

Re: CareCrefit Denial Unable to Verify Identity

Synchrony normally does not recon.

Good luck


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Message 5 of 13
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Community Leader
Mega Contributor

Re: CareCrefit Denial Unable to Verify Identity


@Meanmchine wrote:

Synchrony normally does not recon.

Good luck


This is true but the only recons we have seen have been this type of denial where identity cant be verified.  There may be a slim chance for Op especially if they can verify his cell and other personal id over phone.

Message 6 of 13
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Valued Member

Re: CareCrefit Denial Unable to Verify Identity

Synchrony Bank has received your request for a credit account with CARECREDIT.To protect your identity, we checked data sources to verify information on your application. These databasesmay include, but are not limited to, public records, phone directories or social security databases.Additionally, our customer service agent might have asked you questions to verify your identity.Unfortunately, based on results of these checks, we are unable to confirm your identity with enoughconfidence to approve your application at this time.Thank you for your application. If you have any questions on this letter or our decision to decline your application, pleasewrite us at the address above.Sincerely,Synchrony Bank

 

This is what they sent me. I'm getting ready to try and recon this is the second time this has happened which confuses me because I have a card with them right now that had no issues being verified...

Message 7 of 13
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Community Leader
Super Contributor

Re: CareCrefit Denial Unable to Verify Identity

As an aside I suggest you get (free) copies of your LexisNexis consumer report and your SageStream credit report and check for errors an inconsistencies.   There could have been conflicting or contradictory information added to your report, especially data from someone else with the same name or alias, including SSN information. 

 

 



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Message 8 of 13
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Valued Member

Re: CareCrefit Denial Unable to Verify Identity

Thank you
Message 9 of 13
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Contributor

Re: CareCrefit Denial Unable to Verify Identity

I tried to prequal. I gave my email and phone number, at the end it tried to verify my ID. It gave my brother's phone number and my dad's old number as verification. I hit pass, so was unable to see the $$$ amount. Sorta sucks if they are using old info (dad's old number) and my brother. Any of you guys got the same thing?





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