USBank AR Denial

[Anonymous]

You’re absolutely right. I told you it’s a easy one because the computer automatically denies it, so they put it back in for manual review, no pleading required. I think you’re in there.

[Adkins]

Good luck, @Revelate!

[Anonymous]

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@Revelate wrote:

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@Anonymous wrote:
You are in there

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It seems reasonable that they would but hard to say.  I didn't really have to plead my case at all I just explained I was curious and no harm no foul but that I was surprised at the reason as they were from mortgage shopping.

I haven't needed to recon, actually not since Jan 2013 with the Freedom, but that one was a far more complicated discussion though they could make the decision right there where this one just gets sent back for an apparent manual UW with a note.

It is admittedly a good card for me and as Reme suggests it is a long term one, and much like the CSR back in the day this one isn't about the sub at all if they just give it to me.

Rumor mill is suggesting Sep 1 for my getting back in the air again.

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USB Socks virtually always goes to manual underwriting and on a recon for sure. As others said, fingers crossed! For myself, have had good results with the manual reviews.

[Remedios]

Are we there yet? 

[Revelate]

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@Remedios wrote:

Are we there yet? 

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ROFL, I'm sure this particular adventure will take till mid next week.

[Remedios]

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@Revelate wrote:

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@Remedios wrote:

Are we there yet? 

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ROFL, I'm sure this particular adventure will take till mid next week.

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Okies, well, I got your robe and secret decoder ring ready, I only need  to find someone to teach you super secret chant ( I chant like duck with laryngitis)

Dont worry, Cult Of AR is a nice cult and stuff.  

[Anonymous]

Actually mine didn’t take long at all except for them to notify me, there’s a number you can call and it will tell you the application status mine was approved within a day or two of being referred to manual review.

[Anonymous]

Hope you get it, seems like a great reason to recon to me. Good to know their program is counting each individual inquiry.... So if you recently shopped for a mortgage or automobile loan and got denied, you should call.

[Revelate]

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@Anonymous wrote:
Actually mine didn’t take long at all except for them to notify me, there’s a number you can call and it will tell you the application status mine was approved within a day or two of being referred to manual review.

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Kinda sorta tempted to call if it's an automated response.  USB has my old address so it has to two step to get to me in Texas anyway until they can update their systems.  

It doesn't show up in the online banking interface which probably not a good sign after a week.

[Anonymous]

Call the one 800 number it’s automated. Do you need me to look for it I think it’s in my old post.

Edit: OK it wasn't in my post, but I'm pretty sure it's one of these two numbers from the back door list:

800-947-1444, 800-685-7680