Apple Card shows "Restricted"

[FinStar]

---

@Anonymous wrote:
No they didn’t I just explained my situation and that I was left a message to confirm my identity with them. Thanks I hope everyone else can get their issue fixed. If I were you I would try this method everyday until they fix it.

---

@Anonymous, please read your PM. 

[RickNATL]

UPDATE (good news):

So I took @elth63 advice; however, I used the fact that the rep stated in my "chat" that they couldn't identify me.  The gentleman I got was irritated at the amount of time it took for someone to call me back, so he decided to help.

He asked quite a few identifying data points (old addresses, an old landline phone # from 2015, name, social, birthdate, email, middle name, etc.) The questions truly had me thinking... He said had I missed one or two of the questions, it would have given him pause and the restriction would remain, but because I answered every one of the questions on the head, he said "you must be the real deal".

He said the applying on the iPhone (which had a different #) then removing (moving it to the iPad) it created the restriction **good to know for others**

He apologized for the lack of followup...freed my credit line, and now I am ecstatic.

Elth63's advice to call until you get someone else (someone who cares) was a great idea.  As for me, I suggest you use the chat, then call with any feedback from the chat.

Elth63 u renewed my hope, THANK YOU!!!!

[Anonymous]

That’s great man I’m glad to hear this method works for others as well. You must stay diligent because they have no obligation to help you.

[Anonymous]

Hello,

I managed to solve the issue while getting some more information from the agent.

The issue: Apple and Goldman Sachs are backed up in the substantial amount of callbacks they need to make due to an issue in the design of the application. As you may have noticed, the application was very simpled and did not require so much information.

GS uses the phone number on your SIM card to verify your identity with a one-time-passcode. So if you applied with a number other than the one linked to your SIM card, then you may get a restriction. 

Solution: Call them and say that you've been that you needed to call back in order to complete the verification process. Ask the agent to update the phone on the application so that it matches the phone number on your SIM card. If the agent is deviating towards "it has to be an outbound call", simply suggest the idea of a OTP in order to verify your identity. Be very persistent on the fact that you're getting impatient because nobody from GS has given you a callback in regards to the issue. 

Hope this helps.

[Anonymous]

This is very interesting.

[Anonymous]

Glad to see you all getting it resolved. 

Interesting that can be caused by a phone number mismatch. Good thing I stopped using my Google Voice number for credit applications after Sync locked me out of my Amazon account! What a racket!

[Remedios]

Called it!

[jbestman007]

---

@Remedios wrote:
Called it!

---

You did. Good call. Not surprised though. I know several non iOS users that borrowed iPhones to fill out their applications only to go back to their real phones. They are part of the people now clogging the call lines. 

Next up: Accounts getting restricted or closed due to TU hardpulls not going through. I am calling that one now. 

[RickNATL]

Sim card (EmEI) and phone number and validation of those with Apple ID does play a key part....but the kicker was all of the old verification info they receive form your credit file along with the app. Some of the questions went back 19 years.

[CreditInspired]

---

@jbestman007 wrote:

---

@Remedios wrote:
Called it!

---

You did. Good call. Not surprised though. I know several non iOS users that borrowed iPhones to fill out their applications only to go back to their real phones. They are part of the people now clogging the call lines. 

Next up: Accounts getting restricted or closed due to TU hardpulls not going through. I am calling that one now. 

---

Umhum. I already questioned that with my post at 9:37am on 9/11:  

Now, this is just a thought. But I would like some DPs on the cards that are being restricted or declined.

So a question: When GS pulled TU, did you keep you CR unfrozen when you accepted the approval? I'm just wondering if this could be causing a problem if GS wasn't able to pull the TU report.