Good morning all!
Within the past 2 weeks or so, I've noticed that after applying for a credit card (Online or In Store) or if I need to reset my login credentials with a credit card issuers (some, not all), I am being told "for some reason we cannot send text messages to your number" or the website displays "For security reasons, we cannot allow you to proceed." When I call to ask why, the banks tell me to call the 3 CRA and that my data must be incorrect with them.
I have existing relationships with each of the banks I applied with.. the latest was for my Bread/Comenity Ikea Visa card. I got the ID Verification 14 day letter.. called, and the rep told me that my phone number cannot be used to authenticate my identity and I need to send in ID/SSN/Proof of Address to have the app processed. I don't have issues doing this, but with 4 banks responding in this manner, I'm starting to wonder if my info has been used elsewhere and I just don't know about it yet.
Current Issuers having the issue:
Citi Costco: "For security reasons, we cannot allow you to proceed."
Citi Best Buy Platinum Visa "For security reasons, we cannot allow you to proceed."
New Account(s) (these are all applied for within last 30 days):
Ikea/Bread Financial: "For some reason we cannot send text messages to your number. You need to send in ID documents"
Citi (Macys Amex) - albeit a SL was given since I can't get the identity text, I have to send in my ID docs: "For some reason we cannot send text messages to your number. You need to send in ID documents"
Citi (SYW): "For some reason we cannot send text messages to your number. You need to send in ID documents"
DP: Overall Credit History = 34 Years, Haven't moved in last 3 years, No Fraud or other issues have been reported (by me or the bank), bills are all paid (AZEO) and on time. No Fraud Alerts on any reports, no open or closed disputes that include my current address or the mobile number in question. And, I freeze/lock all my CR's when I'm not actively applying with a vendor that I know needs to HP.
Odd thing, before about 2 weeks ago, I have never experienced this happen before (ever). I pulled my reports and validated with each, as not knowing what is up with my info is bugging me a bit.
TU, EXP, EQ: All match, identical ID data, Employer Data, Address Data
Clarity, SageStream, EWS, FactorTrust, Innovis: All match, identical ID data, Employer Data, Address Data
Has anyone experienced this before? I've had this mobile number (post paid) in my name for over 20 years, registered to the same home address that is on all my docs.
Since the banks won't tell me what service they are using to retrieve or validate my data (understandable) and I have verified data with CRA is accurate and clean... anyone have any ideas on what I can do to stop this from reoccurring? I'd hate to have this happen on existing accounts and just be SOL.
Thanks in advance!
@AndySoCal wrote:@thundr101 Try find out what short code those you are having problems in getting. check with your cell service if that code has been blocked also make sure you have not by accident blocked it either. Some financial institutions have problems sending text messages with Voice Over IP phones. If one of the above works try texting the word start to a short code that is a problem.
Thanks for the reply @AndySoCal ! I have a short code from Citi from a few months ago.. I'll give that a try.
I will ask and see if they can (or will) tell me the short code or where they are sending from.. so far, Bread/Comenity is zero help - said "we aren't the CRA, you have to call them) lol. Today, Citi asked me if I use Verizon Wireless (which I do)... and then mentioned that internally, Citi agents/reps have been trained that users on Verizon network devices have not been able to get verification text messages. I can't verify that, but being Verizon and all the Verizon-y things they have been doing... it wouldn't shock me.
I'll keep you posted, hopefully I can get it figured out. I am going to get annoyed if I have to send in docs just to reset account login/creds if I do happen to lose them, lol.