Denied Chase Sapphire Preferred due to false FRAUD detection

[Anonymous]

Recently I applied for the Chase Sapphire Preferred as my first Chase card. I got the 30 day message amd followed up with a backdoor number who moved me along to the identity verification step. I answered the verification questions, and then they asked to fax in my driver's license and passport. I went to a branch and faxed in both. 

I then received a letter saying "We declined an application for a new account because we couldn't confirm the information on it. We're concerned someone may be using your personal information fraudulently." I called their fraud department multiple times, and they all told me the denial was irreversible. Their recon department said the same. I even went to a local branch and talked to a head banker who called around and said there was nothing she nor I could do. (She said there might be fraudulent activity on your credit report, but I've checked all my reports and there is none.)

I now have a hard inquiry from a credit application where my credit information wasn't even considered. They didn't even include the legally-mandated page showing the credit score used in the decision.

How do I proceed from here? Can I dispute the inquiry (would that burn bridges)? They have a lot of good cards, so I do want to build a relationship with them. I've been considering opening a checking account with them and trying again in 6 months. Any thoughts?

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For background info, I have 4 cards (Amex Blue Cash Everyday $12,000, BoA Cash Rewards $3500, Discover It Student $1700, Amex SPG $2000), AAoa 11months, VantageScores around 750 and FICOs around 730.

[Anonymous]

I would wait 6 months and then apply in branch.

[Anonymous]

If you already went to a branch and faxed in both your passport and DL, how do you know it won't happen again?  Do you have any fraud alerts on your reports?

[simplynoir]

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@Anonymous wrote:

If you already went to a branch and faxed in both your passport and DL, how do you know it won't happen again?  Do you have any fraud alerts on your reports?

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This here would be my concern.

[Anonymous]

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@Anonymous wrote:

If you already went to a branch and faxed in both your passport and DL, how do you know it won't happen again?  Do you have any fraud alerts on your reports?

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None that I can see on my official Experian report, or on my CreditKarma TU/EQ reports.

I've also since been approved for the Amex SPG (soft-pull off of a pre-approval). I don't know if that indicates that my file is normal?

[Anonymous]

Have you requested your Early Warning Systems report? Chase uses EWS on occasion for credit apps without any customer internal history.

Any chance there was a typing error on the application?

[xaximus]

I would look into an identity theft monitoring service for a few months to see if someone else possibly has your data. Just to be on the safe side. Also, when filling out apps, did you have auto-fill? If so, information can possibly get mixed up with anyone else that uses your computer/laptop. The same thing happened to me when filling out an app and I had to go through 7 levels of hell to get it fixed.

[Remedios]

I've had EQ place fraud alert on my file twice. No clue why, and when I called them, they told me  'There is no fraud alert on your file, but it will be removed within 24 hrs'

Shrug, I guess 

[sjt]

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@Anonymous wrote:

Recently I applied for the Chase Sapphire Preferred as my first Chase card. I got the 30 day message amd followed up with a backdoor number who moved me along to the identity verification step. I answered the verification questions, and then they asked to fax in my driver's license and passport. I went to a branch and faxed in both. 

I then received a letter saying "We declined an application for a new account because we couldn't confirm the information on it. We're concerned someone may be using your personal information fraudulently." I called their fraud department multiple times, and they all told me the denial was irreversible. Their recon department said the same. I even went to a local branch and talked to a head banker who called around and said there was nothing she nor I could do. (She said there might be fraudulent activity on your credit report, but I've checked all my reports and there is none.)

I now have a hard inquiry from a credit application where my credit information wasn't even considered. They didn't even include the legally-mandated page showing the credit score used in the decision.

How do I proceed from here? Can I dispute the inquiry (would that burn bridges)? They have a lot of good cards, so I do want to build a relationship with them. I've been considering opening a checking account with them and trying again in 6 months. Any thoughts?

-----------------

For background info, I have 4 cards (Amex Blue Cash Everyday $12,000, BoA Cash Rewards $3500, Discover It Student $1700, Amex SPG $2000), AAoa 11months, VantageScores around 750 and FICOs around 730.

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I would go to the branch and speak to a Personal Banker and have them contact the Fraud Dept.

[Anonymous]

Hey, update with some good news!

I opened a checking account with them a few weeks ago in-branch, and it said I was pre-approved for the Freedom and I got that. Then I just got approved for the Sapphire Preferred from an in-branch application

I guess the answer to fraud issues is to establish a relationship with the bank, and do everything in-branch.