Prompted by the slew of FNBO nice approvals here I also applied a few days ago. (764 EX score they pulled; 4% usage, 2 IQ, nice income, no baddies) The website remained in the "pending" status. Today I found a letter from them, a snail mail, in my mailbox. They requested:
- my driver's license showing my address
- SS card, signed (!!)
- two W2 forms (!!) all of which I am supposed to send them, again, by snail mail.
I never heard of something like this. They likely suspected a fraud but this did not make me feel good. Will not send them a thing, just a letter accusing them of discrimination, for **bleep**ts and giggles. (given the sound of my last name that's not ususal)
EDIT: "It's not, 'a basis of discrimination'. I guess my reaction was that of a spoiled brat so after reading your reaction(s), I decided not to act childlish and just let this one go." (also posted as my reply below)
It's not, "a basis of discrimination". I guess my reaction was that of a spoiled brat so after reading your reaction(s), I decided not to act childlish and just let this one go.
Thanks.
@coldfusion wrote:
@kah-pas wrote:It's not, "a basis of discrimination". I guess my reaction was that of a spoiled brat so after reading your reaction(s), I decided not to act childlish and just let this one go.
Thanks.Refusing to provide it isn't considered bratty behavior either, a number of people find these requests intrusive and don't respond strictly on philosophical grounds.
Not just that. In my case, BECU lost my paperwork for a week. Nobody knew where it was after I mailed it to them. I think they even claimed they never received it a couple of times.
On top of that, having worked in lending and origination, I can tell you that your information isn't secure. In the case of chase, there was a single fax machine for the department and anybody could walk up and grab it. It was typical for multiple faxes to sit there for a while. Paper was kept in a single storage room that doubled as the copier room. While me and one other were in charge of it, there was no way to secure it if we left because of the copier.
@FinStar wrote:
@Brian_Earl_Spilner wrote:
@coldfusion wrote:
@kah-pas wrote:It's not, "a basis of discrimination". I guess my reaction was that of a spoiled brat so after reading your reaction(s), I decided not to act childlish and just let this one go.
Thanks.Refusing to provide it isn't considered bratty behavior either, a number of people find these requests intrusive and don't respond strictly on philosophical grounds.
Not just that. In my case, BECU lost my paperwork for a week. Nobody knew where it was after I mailed it to them. I think they even claimed they never received it a couple of times.
On top of that, having worked in lending and origination, I can tell you that your information isn't secure. In the case of chase, there was a single fax machine for the department and anybody could walk up and grab it. It was typical for multiple faxes to sit there for a while. Paper was kept in a single storage room that doubled as the copier room. While me and one other were in charge of it, there was no way to secure it if we left because of the copier.
My understanding, this wasn't the case for Chase in their CC lending and UW areas. I know because I'm familiar when audits were conducted and they had to place stricter controls for PII and confidential data for any GSOs and domestic locations, especially with incoming documentation from branches and other service areas. So, I bet things have changed since you last worked in your area of lending.
It was shared with underwriting. I wouldn't be surprised if it's changed. I was always perplexed by how easily that information was accessible.
@FinStar wrote:
@Brian_Earl_Spilner wrote:
@coldfusion wrote:
@kah-pas wrote:It's not, "a basis of discrimination". I guess my reaction was that of a spoiled brat so after reading your reaction(s), I decided not to act childlish and just let this one go.
Thanks.Refusing to provide it isn't considered bratty behavior either, a number of people find these requests intrusive and don't respond strictly on philosophical grounds.
Not just that. In my case, BECU lost my paperwork for a week. Nobody knew where it was after I mailed it to them. I think they even claimed they never received it a couple of times.
On top of that, having worked in lending and origination, I can tell you that your information isn't secure. In the case of chase, there was a single fax machine for the department and anybody could walk up and grab it. It was typical for multiple faxes to sit there for a while. Paper was kept in a single storage room that doubled as the copier room. While me and one other were in charge of it, there was no way to secure it if we left because of the copier.
My understanding, this wasn't the case for Chase in their CC lending and UW areas. I know because I'm familiar when audits were conducted and they had to place stricter controls for PII and confidential data for any GSOs and domestic locations, especially with incoming documentation from branches and other service areas. So, I bet things have changed since you last worked in your area of lending.
Man it has been along time since i use to be a consultant for chase in Delaware after they took over bank one. I worked in their offer management division for their CC's and it was very secure back then and from bank one acquisition you can put a time frame how long ago that was 
. Now on the opposite side of the spectrum I also worked for credit one in Vegas also obviously in their CC division as well on their software as well... What scared me was the CC # of their cards were part of the URL among other things at the time of their internal system although this was being changed when I was there.