This happened a couple months ago but I just want to get some input and to see if this has happened to anyone before.
I applied for a Citi Double Cash card in May of this year. I've since reapplied and have been accepted, but I was denied originally for what appeared to be a very trivial reason. When I originally applied I was given the typical we need to review your application, we'll get back to you in 7-10 days. I called the application inquiry line and they told me that they sent a letter and that was it. I called a few days later and the rep told me that they needed proof of income and to email my paystubs to their general email address and call back in 72 hours. After 3 days I called and the rep was able to further process my application but said I was denied because there was information that they could not verify, and to double check my credit report to make sure all the information was accurate, it was. I called again to see if they could give me more information on what exactly they weren't able to verify. The rep told me that he did not have the authority to tell me and to wait for the rejection letter which might have more information.
I waited a week for the rejection letter which told me the exact same thing that the rep read to me over the phone. I called in again and asked for a reconsideration and was transferred three times until I finally reached the executive review department. They were able to tell me that my address was flagged because I had only moved 6 weeks prior and my new address did not match what was in their proprietary system and they wouldn't tell me what sources they used to verify addresses. When I offered to send in documents to verify my address manually, I was told that they could not accept anything like that, and to try applying after waiting a couple months.
I ended up with a lot of wasted time and a hard pull on my credit report. What's really funny is the day after I called in for a reconsideration and was rejected, a targeted mailer for the DC card arrived in my mailbox. Luckily that mailer had an expiration of 7/15/19 so I was able to save it for when I applied again recently.
One question I have is why would they even bother with the income verification if my address was not verifiable in the first place? I would like to hear if anyone has any similar stories or experiences, even if it isn't Citi.
I have an income verification-related story that is not Citi, although, I think I'm in the Twilight Zone in this situation and it may not be relevant to anybody but me. There's a longer story, but short version is that I applied with Amex a bunch of times in a short period of time and got a denial, a cancellation, one that was both a denial and a cancellation depending whether I believe the online status tracker or the letter they mailed me, and (the reason I mention this) - a request for me to fill out the form to let them check my tax transcripts to verify my income. They told me that verifying my income would not guarantee approval. My belief is that they put me on a "naughty list" to make me stop applying for a while, rather than because they actually wanted to verify my income. Maybe a similar situation for the OP in some sense.
If you won't approve someone even if you verify their income, why would you bother verifying their income? Just deny and everyone can move on.