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Capital One Verification !!

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TuffTurkey
Regular Contributor

Capital One Verification !!

So Im venting. On 8-7-15, I applied for CAP 1 QS1. It told me my application needed review. So I called and it was for ID verification. First I was told I needed SSC and Proof of address (bill etc) , I said okay and faxed. A week later I call and they said that the Bill came in fine but SSC was unreadable. Same Font sizing and Clarity from copy. So I needed to resend.... So I resent that. Waited a week and called again. Once again my SSC was unreadable... So at that point I asked the rep for them to check the toner on their machine. I resent again... 4 Days later I call the received the documents and told me 3 weeks!!!!! For an approval... That was on the 23rd of august

 

Fast Forward To 9-5-15.. I call to check up because its nearing 30 days since first appied. I have another rep telling me that it was pending because of a Driver License...NO ONE TOLD ME THIS IN THE FIRST PLACE..... or i wouldve sent that too, She told me i had one day to send it in. because if not after 30 days it will be another triple pull.... omg tears b.c im rebuilding... So i rush and faxed it in made sure it was clear and readable... Fast Forward to tonight. I call and Ask for an update.... GUESS WHAT my driver license was unreadable and needed to fax my drivers license again... so i ask if i resend this time, will i be hard pulled again? She says yes.... 

 

I dont know what to do . Ive been tripled pulled once already and to be tripled pulled again? That is not right especially when I wasnt advised in the first place about what all i had to send. The rep even apologized in august when i said that and admitted that we shouldve told you. Now I feel Like i wasted 3 pulls... need advice...

 

 



Message 1 of 30
29 REPLIES 29
Anonymous
Not applicable

Re: Capital One Verification !!

why do they need so much crap? that's ridiculous
Message 2 of 30
Anonymous
Not applicable

Re: Capital One Verification !!

I would just eat the first triple pull and go with another issuer. I wouldn't want to give them my business anymore. Not worth the hassle IMO.
Message 3 of 30
TuffTurkey
Regular Contributor

Re: Capital One Verification !!


@Anonymous wrote:
why do they need so much crap? that's ridiculous

I dont know its driving me crazy and has me super frustrated...im at a loss...



Message 4 of 30
TuffTurkey
Regular Contributor

Re: Capital One Verification !!


@Anonymous wrote:
I would just eat the first triple pull and go with another issuer. I wouldn't want to give them my business anymore. Not worth the hassle IMO.

I dont know who to go to next, I mean my scores are current on my Siggy and only 2 baddies. 



Message 5 of 30
Anonymous
Not applicable

Re: Capital One Verification !!

can't see your scores on mobile
Message 6 of 30
Anonymous
Not applicable

Re: Capital One Verification !!

You dont need to go for anyone. Take care of what you currently have for awhile and you will have better opportunities down the line. Consider this divine intervention...lot of unnecessary hassle going on here.
Message 7 of 30
Anonymous
Not applicable

Re: Capital One Verification !!

619 630 624 2011XTERROR
Message 8 of 30
Anonymous
Not applicable

Re: Capital One Verification !!


@TuffTurkey wrote:



I dont know its driving me crazy and has me super frustrated...im at a loss...


 

 

I think this is a reasonable situation in which to enlist the EO's help if you really would still like to move forward with them. You did everything asked of you, several times, within the time frame requested, and now they are telling you the time is expired. I don't think it would hurt to at least ask for the help, especially since you are concerned about your scores being fairly low and concerned about your ability to start over with a different lender. I'm sorry this happened to you.

Message 9 of 30
Anonymous
Not applicable

Re: Capital One Verification !!

I would also get in touch with them on social media--it seems they're a little bit more responsive and willing to work things out there as well.
Message 10 of 30
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