Synchrony - Unable to Verify...

[Anonymous]

Happened to me at Matressfirm. Pulled transunion. I Declined to video and was directed to submit affidavit of identity instead by fax or mail. Approved 3 days after fax later $4000. Posted to onsumer credit profiles a day after.

[Andypanda]

Last week i apped for the synch Verizon visa, and got the message saying i will receive a letter in 7-10 days. Got the letter saying they needed more info. All they beeded was to send a text to my cell, and for me to repeat back tge code. After that i was approved.

[JFoBoston]

Interesting. I bet their using Verizon tech for that. 

[chalupaman]

Yes it's standard procedure these days. I would just suggest making sure your phone is exactly horizontal when you're doing the verification. If it's too off, you'll have a lot of problems getting their system to recognize the back of your drivers license, etc. it's happened to me before but once you figure it out. It's not too bad.

[JFoBoston]

An affidavit seems more reasonable to me.  The thought of a video proof sketches me out. 

Thanks for the reply.  Its certainly a different take on the issue.

[Michizane]

I had to do this for Care Credit. It asked me to call a number, then I was given a link to record myself and take pics of my DL...then I was instructed to call in again. After calling in, I was approved for the requested amount. I think it's just a security measure.

[phoenix12]

I applied for the Rooms2Go credit card, and I was denied, which was a shock for me since my scores were around the 700s and their minimum is low 6's. I get the letter and it says it was unable to verify my identity. I called the applications department this morning and he said there was nothing they can do once an application is denied. Is this true, considering it's just my identity that needed to be verified? I guess I wasted a HP... 

[KLEXH25]

I'm not familiar with Synchrony recons, but perhaps you can just call again and speak to another rep?

[SoCalGardener]

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@phoenix12 wrote:

I applied for the Rooms2Go credit card, and I was denied, which was a shock for me since my scores were around the 700s and their minimum is low 6's. I get the letter and it says it was unable to verify my identity. I called the applications department this morning and he said there was nothing they can do once an application is denied. Is this true, considering it's just my identity that needed to be verified? I guess I wasted a HP... 

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Are any of your credit reports frozen?

If not, I'd definitely call Synchrony again and see if a different CSR can help straighten this out. I'm aware of applications being put on hold while a bank works on verifying identity or other issues, but not denying the whole app and closing the book on it! At the very least they should work with you to get whatever proof of identity they need, and THEN make a decision as to approval or denial.

If your reports are frozen, you could try contacting Synchrony, find out which bureau(s) they use, unfreeze those, and have them try again--using the same HP. That latter point, I really don't know how or if that works, as I've never come up against a situation like yours. But it doesn't make sense that you should have to be out two HPs for one card.

[Anonymous]

I'm not sure which credit report they pull but I sometimes have the same problem. In fact, I just got off the phone with Synchrony about an Apple Card. They do have a website (Synchrony - Synchrony (syf.com))you can access to verify your identity. At least with the Apple Card they recommend you use your cell phone to verify your identity. 

Best of Luck!!