Chase is being stubburn with approving me since i have a fraud alert.

[Techno]

It's literally the first time i have encountered such a thing. since i have a fraud alert, as someone might try to steal my idendity(long story) as he could, but that's another issue.

Iv'e applied for freedom, i talked to customer service iv'e been told by the underwriter that i don't have any credit problems, and that they approved me the only thing is that they gonna send me a letter to verify my SS to my home adress by mail and then i can fax or mail it back to them, since i don't really live in this adress much it would take an unnsccesary trip and about 3 weeks from now till i get the actual card that's so much hassle for nothing. usually they call me and verify me over the phone, like they did with amex before. not to mention i already own a chase amazon rewards card so i am not a new member. over the phone iv'e been told there's nothing we can do over the phone, but i'm gonna call tomorrow and see maybe that chages as i don't feel like waiting for that long. anybody knows what should i do, a backdoor, or maybe a way to prove i am myself to the creditor, other than that i thought about removing my fraud alert, and putting it back after they let me have the card regularily with no hassle.

[09Lexie]

Removing the FA after the fact will not help with your current situation. Usually, they will call (they did for me and my DH) so I am assuming the CR's are showing multiple addresses or they have a concern.

I doubt you'll be able to get around the address verifications without raising red flags. You are free to call using the numbers on the backdoor sticky. Good luck.

[Techno]

Well i got approved for amex bcp two weeks ago, and declined for an auto loan two days ago. so maybe that?

[Anonymous]

Fraud alert is going to do that. It is doing its job which is to make any lenders much more cautious with allowing new credit without first verifying in more detail than normal. At least any potential fraudsters would have same problem. However, sounds like chase's procedure is especially cumbersome.

[missjae]

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@Techno wrote:

It's literally the first time i have encountered such a thing. since i have a fraud alert, as someone might try to steal my idendity(long story) as he could, but that's another issue.

Iv'e applied for freedom, i talked to customer service iv'e been told by the underwriter that i don't have any credit problems, and that they approved me the only thing is that they gonna send me a letter to verify my SS to my home adress by mail and then i can fax or mail it back to them, since i don't really live in this adress much it would take an unnsccesary trip and about 3 weeks from now till i get the actual card that's so much hassle for nothing. usually they call me and verify me over the phone, like they did with amex before. not to mention i already own a chase amazon rewards card so i am not a new member. over the phone iv'e been told there's nothing we can do over the phone, but i'm gonna call tomorrow and see maybe that chages as i don't feel like waiting for that long. anybody knows what should i do, a backdoor, or maybe a way to prove i am myself to the creditor, other than that i thought about removing my fraud alert, and putting it back after they let me have the card regularily with no hassle.

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I'm having a similar problem with Chase and I am already a customer.  When I was first approved for the Sapphire, I had an initial fraud alert.  They called and verified my identity.  When I applied for a new card, I had an extended fraud alert.  This is something the credit bureaus did on their own.  The extended fraud alert didn't have a phone number, so they wouldn't proceed with my app.  I went to the EO and Chase insists that I add a phone number to the alert before they proceed.  It's a lot of hassle for something they may or may not approve me for.  In short, Chase seems to stick to the rules.  You can try the EO if you want.  They move very quickly, but it might be best to do what they're asking if you want the card.

[maiden_girl]

I have a FA on my CR and I've been approved for a credit card. My application wasn't immediately approved and I did have to verify some information but the process was very simply and the lenders did their job as requested. It sounds to me as if you applied for a card using an address you no longer reside...

[takeshi74]

Chase isn't being stubborn.  You're being impatient.  You have a fraud alert and they're taking appropriate precautions.

[FinStar]

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@takeshi74 wrote:

Chase isn't being stubborn.  You're being impatient.  You have a fraud alert and they're taking appropriate precautions.

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+1

And what Lexie mentioned above.

[Anonymous]

It does sound extremely inconvenient, but I agree with the above mentioned people. That is the whole point of fraud alert. If at all possible, do you best to keep your address as one you reside at. It may simply be because I'm not in your shoes, but having your address as one you don't even live in seems both unnecessary and sketchy.

[sccredit]

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@Techno wrote:

 In short, Chase seems to stick to the rules. 

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This.  Have patience.  The Fraud Alert is there for a reason.