Question for People Who Had Experienced Getting 7~10 Day Letter Asking for Identity Verification

[Absolution16]

Did it have some sort of a special code to give to the credit analyst, or was it just nothing more than a request to just call?

[FireMedic1]

You left out who your asking about. That would help.

[Absolution16]

I apologize.  I figured most banks would behave the same way in this regard.

My question was directed mainly to Synchrony Verizon VISA and Chase Freedom Flex.

[Remedios]

Depends on why they are doing verification and which demographic info doesn't match what you have on your CR.

It may be resolved with something as simple as sending a text or it may involve request for DL/SS card and/or utility bill.  

Chase is probably easier of the two, mainly because they don't pull any ancillary reports, Synchrony often does. 

Those reports (Sagestream, LN etc) often contain inaccuracies because consumers typically check their reports from Big Three but not the other ones. 

If this is really ID verification, you won't know untill you get a letter. 

[Gmood1]

Synchrony normally does the phone verifications. They'll have you call them and then send a code to your phone, requesting that you read it back to them. 

Chase just wants a call most of the time, when they request verification. 

[WavysMommy]

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@Absolution16 wrote:

I apologize.  I figured most banks would behave the same way in this regard.

My question was directed mainly to Synchrony Verizon VISA and Chase Freedom Flex.

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I went through that with them. Had to send a copy of my ID via a secure link, and they had me do one other thing that I can't 100% remember, but afterwards, I was approved for 4.5k.

[Absolution16]

@Remedios 

@Gmood1 

@WavysMommy 

Synchrony denied me for a Verizon VISA, with the reason "high risk source of application."  They also sent me letters after I just checked to see if I prequalify, with the denial reasons that are completely bogus and nonsense.  In that particular letter, they did indeed use SageStream/LexisNexis.  I pulled that report, and I was baffled to find all the inaccuracies in there.  I was told I would have to call them and go through each item one by one with an agent, or write them a letter.  Once I have all the time in the world to do so, I will make that a priority.  In the meantime, I froze my report there, and I refuse to unfreeze them.

I wish things were that easy, with just simple phone call verification with text messages.  My latest app attempts with WF and BoA have also turned sour, with BoA going as far as approving me over the phone, only to reverse it within in matter of 1 hour with no advanced warning.  Had I not gone back to their application status website to doublecheck, I would be expecting the card to arrive in the mail instead.  Now I am waiting for the letters from both of them to see what kind of balogne they will throw at me this time.