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Lfcu flaged me as fraud!

Member

Lfcu flaged me as fraud!

 I applied for a credit card at langley credit union & got instantly approved for $15,000 at 10.5% apr! the next day i get a phone call that upper management had reviewed my account and decided it was fraud because i had too many recent applications bla bla... ,the rep told me i must go to one of there branches in person to verify my identity (6 hour drive ,1 1/2 hour plane) what should i do?

 

Message 1 of 18
17 REPLIES
Frequent Contributor

Re: Lfcu flaged me as fraud!

they may not be able to verify it with documents i think in this situation you have to go into the bank in person or they will shut that card down




Message 2 of 18
Moderator

Re: Lfcu flaged me as fraud!

Ugh that stinks.. Offer video conference option?

Chase | Citibank | Amex | BofA | PenFed | NFCU | Discover | Barclay's | Fifth Third Bank | FNBO | BB&T
Message 3 of 18
Member

Re: Lfcu flaged me as fraud!


@CreditCuriosity wrote:

Ugh that stinks.. Offer video conference option?


it stinks big time! at lest i was happy for a few hours... i doubt they will accept video conference..

mabey a affidavit will help?

 

Message 4 of 18
Established Contributor

Re: Lfcu flaged me as fraud!

Take a day off work and make that drive.  $15,000 is a nice limit.  The only problem is does it make you look desperate to be willing to drive that round trip?  Might appear you need big money fast.  You could get the card and not go spend happy with it for a few weeks.

 

I drove 22 hours once to deliver a cadaver for a funeral home and only got paid $250.

Message 5 of 18
Established Contributor

Re: Lfcu flaged me as fraud!

Call the branch and ask if you can mail in notarized photo copies.

Message 6 of 18
Community Leader
Senior Contributor

Re: Lfcu flaged me as fraud!

It may largely depend on how much you need the account? If you do, and no other alternatives are available to confirm your identity, then visit the nearest branch.
Message 7 of 18
Regular Contributor

Re: Lfcu flaged me as fraud!

 

Ask them to withdraw your hard pull for the credit. send it to them via email or certified mail.

 

My FICO scores are accurate as of 2 days ago (759/785/744) with an AAOA of (2.5/3.4/3) and a total inquiry count of (11/17/13).
Message 8 of 18
Community Leader
Senior Contributor

Re: Lfcu flaged me as fraud!

@Gits - The OP legitimately applied for their credit card product, why would there be such a suggestion in "withdrawing" the HP? This isn't a case of mistaken identity or Langley submitting or processing something in error.

If applying for a product that is not within the immediate footprint of a potential customer then folks need to bear the risk of additional verification scrutiny in some cases that could have similar results as shared by the OP.
Message 9 of 18
Regular Contributor

Re: Lfcu flaged me as fraud!

That begs the question what made them think it was fraudulent app in the first place. Langley is accusing OP with fraud per OP post. I couldn't take the matter lightly
It's my story with SDFCU in one of my posts here (SDFCU getting weirder & weirder post).
Check re check re verify all agree if I don't get my card I at least deserve a withdrawal of my hard pull.
My FICO scores are accurate as of 2 days ago (759/785/744) with an AAOA of (2.5/3.4/3) and a total inquiry count of (11/17/13).
Message 10 of 18