My suggestion is to call them using the number from the backdoor numbers, accounts with issues. Good Luck!
http://ficoforums.myfico.com/t5/Credit-Cards/Backdoor-Numbers/m-p/408066
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
@youdontkillmoney wrote:Fill out the forms they are requesting and be truthful (as in your source of income is child support, student loans, etc.) , otherwise it'll be financial fraud. Don't dig yourself into a deeper hole or else it'll get more complicated. Fill out whatever forms you need, they asked for.
By the way, was there anything on your part that triggered a FR, for example, late payment, missed payment, or baddies on your credit report, etc? (I ask since I've had AMEX since 1991 and never had one, in fact, never had a FR from ANY CC issuer ever and I have always paid on time, never late, never missed a payment, no baddies ever. Just curious what triggers a FR)
Use the search button there is a ton of threads that discuss this to death, including a few from the last 2-3 days. No need to hijack another thread for something that has been beat into the ground.
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@JohnJohn1995 wrote:Hey guys. So in an embarassing situation, I was approved for 2 Amex cards, and tonight I received a phone call from an uknown number. Cue a woman stating she's from Amex doing a financial review, questions about myself and my employer and income, and that I'l get an email shortly with her name and other details. I got the email, and I need to do the tax form to send to them.
The problem is, I've never filed taxes. The income I stated, $35,000 is a combination of child support income, earned income, self employment, and school grants.
My earned income however is below the tax filing threshold, about $3500. My child support income is about $15,000. I can provide bank statements for these 2. Self employment income was around $5000 and in cash. I haven't received my school grants yet, but they're around $10,000. I'm a college freshman and Amex was provided with my employer and college information. My employer is a family business and my parent deposits checks into my bank for the earned income.
The woman on the phone gave me a deadline of September 12, or else my accounts will be canceled. For me to fill out the forms, to even send a verification of non-filing, would take 5-10 business days. And I don't even know what else needs to be done and how long that would take because this situation is bizarre and foreign to me.
What is there for me to do? Anyone I can talk to or call to explain my situation so they can have some flexibility? I have a balance on one of my cards already, which I can pay for sure, but I wouldn't want them to randomly close it and have it end up in collections. I've been waiting all week for the charges to post so I can pay them off but I don't even have the option to pay them right now.
Thanks.
I don't know how your card could end up in collections. If you have the money they will just send you a bill for the outstanding amount and you can pay it. Its not like the second they close the account your deemed to be late on your payment. If you were honest with amex with your income and already gave them everything they requested that you have then I don't see an issue with sending in the form so they can check with the IRS. Since the IRS has nothing then Amex won't get anything. If you don't have to file then you don't have to file. If amex has an issue with that I don't know what to tell them. Your not about to start paying taxes you don't owe just so they can have something to look at. I'm fairly certain that other people have been in the same situation and I would hope that Amex would not be soo narrow minded that they close accounts just because a person was not required to file a tax return.