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Chase Freedom - Pending Income Verification (Student, Low Income/Summer Job)

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Anonymous
Not applicable

Chase Freedom - Pending Income Verification (Student, Low Income/Summer Job)

Decided to app for a Chase Freedom yesterday right when my student Discover It turned a year old. Chase is a bank that I really want to start building a relationship with so I figured, now or never for applying since I have income coming in from a summer job.

 

My stats

Credit scores: EX: 727 FICO 8 (via free Experian account), TU: 738 FICO 8 (via Discover)

Income is just over $9000 for the year (pre tax).

 

Application process

Went online on the application page, filled everything out, listed my real income - most importantly this is verifiable by paystubs, coincidentally my 2nd paycheck/pay stub for the summer got to me yesterday when I applied as well.

Filled everything out... denied with the following message.

Thank you for your request.
Unfortunately, we are unable to approve your application.
We will provide you more detailed information in 7-10 days that explains the reasons for this decision.

Ok, denied. Called up the recon line at 888-270-2127, pressed 0 to get transferred to a rep. (I took a screenshot of the webpage, still haven't gotten an email about anything.)

 

Recon

Recon did some quick identity verification stuff and then said there was a letter in the mail coming to me. The rep I got on recon was super nice and she placed me on a brief hold while she pulled the letter up. She explained right on the call that they were requesting income verification and said that sending in my most recent 2 pay stubs along with my application reference number was what they were looking for, for proof of income. I asked her how to send this in and she said to do it via mail or fax. She was able to give me my application reference number and their fax number (888-643-9628) so I could get the income verification going. Faxed them my pay stubs and waited.

 

Robo Application Status

Few hours later I went online looking for anyone else going through Chase income verification. One of the tips was to call the robo application status line 800-436-7927 and check the message there. (For reference the sequence of button presses to get to the status is #, 3, 1, SSN after it asks for a credit card number.) That line told me it was under review, 7-10 days to wait. Maybe a good sign for an approval based on what people have said online.

 

Time frame

Today I called back into recon because I realized yesterday I didn't ask the rep for the time frame it would take for the verification department to review my pay stubs. The rep I got pulled up my file and I explained that I faxed in my docs per call yesterday. This rep was also helpful and she explained it would be 1-2 weeks for them to look over the docs and make a decision.

 

 

Hopefully my application ultimately gets approved, even with a low limit that's fine, just want to boost my utilization and start building a relationship with Chase. I don't make up income numbers so hopefully verification sees my pay stubs and pushes the approval on through. I'm hopeful this will be the start of my relationship with Chase, just wanted to get this info out for anyone going through similar processes just as a data point.

Message 1 of 14
13 REPLIES 13
Remedios
Credit Mentor

Re: Chase Freedom - Pending Income Verification (Student, Low Income/Summer Job)

@Anonymous  you should be fine

Income verification for student card is not unusual, so just keep checking automated system 

As long as they acknowledged your documents have been received, there is nothing to do but wait 

I hope to see an approval thread from you 

Message 2 of 14
blindambition
Senior Contributor

Re: Chase Freedom - Pending Income Verification (Student, Low Income/Summer Job)

Good luck on the app! 👍🏻 

Message 3 of 14
Anonymous
Not applicable

Re: Chase Freedom - Pending Income Verification (Student, Low Income/Summer Job)


@Remedios wrote:

@Anonymous  you should be fine

Income verification for student card is not unusual, so just keep checking automated system 


Freedom is not a student card, I'm just saying, I am a student. Chase should hopefully recognize that, since the pay stubs I sent them are around 1/3rd of the income I reported, that I'm working a summer job.

 

Unsure how to quote multiple posts for one reply so I'll just say it here, thank you Remedios and @blindambition - hope I get to post on the approval board soon!

Message 4 of 14
Remedios
Credit Mentor

Re: Chase Freedom - Pending Income Verification (Student, Low Income/Summer Job)


@Anonymous wrote:

@Remedios wrote:

@Anonymous  you should be fine

Income verification for student card is not unusual, so just keep checking automated system 


Freedom is not a student card, I'm just saying, I am a student. Chase should hopefully recognize that, since the pay stubs I sent them are around 1/3rd of the income I reported, that I'm working a summer job.

 

Unsure how to quote multiple posts for one reply so I'll just say it here, thank you Remedios and @blindambition - hope I get to post on the approval board soon!


Sorry, I haven't had a full pot of coffee yet.

 

Message 5 of 14
coldfusion
Community Leader
Mega Contributor

Re: Chase Freedom - Pending Income Verification (Student, Low Income/Summer Job)


@Remedios wrote:

@Anonymous wrote:

@Remedios wrote:

@Anonymous  you should be fine

Income verification for student card is not unusual, so just keep checking automated system 


Freedom is not a student card, I'm just saying, I am a student. Chase should hopefully recognize that, since the pay stubs I sent them are around 1/3rd of the income I reported, that I'm working a summer job.

 

Unsure how to quote multiple posts for one reply so I'll just say it here, thank you Remedios and @blindambition - hope I get to post on the approval board soon!


Sorry, I haven't had a full pot of coffee yet.

 


Shame on me for not offering you any this morning.  Smiley Sad

(11/2024)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 6 of 14
simplynoir
Community Leader
Mega Contributor

Re: Chase Freedom - Pending Income Verification (Student, Low Income/Summer Job)


@coldfusion wrote:

@Remedios wrote:

@Anonymous wrote:

@Remedios wrote:

@Anonymous  you should be fine

Income verification for student card is not unusual, so just keep checking automated system 


Freedom is not a student card, I'm just saying, I am a student. Chase should hopefully recognize that, since the pay stubs I sent them are around 1/3rd of the income I reported, that I'm working a summer job.

 

Unsure how to quote multiple posts for one reply so I'll just say it here, thank you Remedios and @blindambition - hope I get to post on the approval board soon!


Sorry, I haven't had a full pot of coffee yet.

 


Shame on me for not offering you any this morning.  Smiley Sad


You're slipping, sir 😐

Message 7 of 14
gingerflower
Senior Contributor

Re: Chase Freedom - Pending Income Verification (Student, Low Income/Summer Job)

@Anonymous 

Fingers crossed  for you and I hope you get approved! Good Luck!

Message 8 of 14
Anonymous
Not applicable

Re: Chase Freedom - Pending Income Verification (Student, Low Income/Summer Job)

Update with more data points.

 

Called verification yesterday 888-688-6708 just to make sure they received my documents (I didn't really trust the internet fax service I used to send them in).  The person confirmed they were the verification line, had me wait a bit... then transferred me to Chase Lending Services.  Researched it a little and hung up (don't want any extra scrutiny) and took it as a sign they got my income verification fax.

 

This morning I called the automated line again and robo lady changed my message. Previously it was the 7-10 days message (verification I assume), now it is 2 weeks. That seems like a good sign from other DP's, hopefully it is just in a queue to get approved.

Message 9 of 14
randomguy1
Valued Contributor

Re: Chase Freedom - Pending Income Verification (Student, Low Income/Summer Job)

Good luck, thanks for the update.

Message 10 of 14
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