Discover Verification

[tricie17]

Hello everyone,  Hope your days are well.

I am checking to see if anyone has gone through a verification by Discover.  Let me explain, I was entering my account this morning with a note about fraud and not being able to access account and to call a certain number.  Called to find out that this is not actually fraud but instead a verification to see if all the information on my account is legit.  So at this point I am confused.  The Customer Service Rep continued to explain that Discover will do this every once in a while and I may not have gone through this before, I guess something like an audit of accounts.  And also I need to sign a form from the IRS 460 something T.  Has this happened to anyone before? 

[Anonymous]

If you're referring to the 4506-T form, a plethora of members have encountered it.

[tricie17]

Thank you ClassicMan however I understand about the IRS form (couldn't remember number).  I am interested in this Discover verification which was not explained very well.

[CreditInspired]

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@tricie17 wrote:

Thank you ClassicMan however I understand about the IRS form (couldn't remember number).  I am interested in this Discover verification which was not explained very well.

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Is this a secured credit card? Over the last few months, Disco has been asking for a 4506-T. No one knows why. The most common conclusion was that applicants may have either embellished their income or included their spouse/family member/fiance's income and it triggered something in Disco's algorithm. But we still dont know the real reason why this is happening all of a sudden. 

[NRB525]

I have not gone through such a verification however from other stories here I will guess there is something in your credit report that is raising concerns at Discover. 

Was there any fraud alert on your credit file?

Any ID theft in the past?

Change of address due to you moving recently?

Any odd features of your address?

Any name changes through your credit history?

These are only a start. Contact Discover and go through the 4506-t and other verification to get it resolved.  There is something there they need more info to match your identity.  

Good luck.

[tricie17]

Yes.  My anniversary for having the card was this month.  Had card for several years.  And I do not pad pay.

[Nomad3]

Most of the incidents of them requesting the 4506T were newer accounts, it's weird that you would get one on an account that's aged 2-3+ years

Anything else going on possibly on your side? Like have you changed your spend/payment/carrying balances outside of "normal" ?

[NRB525]

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@tricie17 wrote:

Yes.  My anniversary for having the card was this month.  Had card for several years.  And I do not pad pay.

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I'm not sure what pad pay is, but the next thing that comes to mind is whether someone has managed to get log in access to your Discover account. 

Again, I suggest you respond to the request for information and documents to ensure Discover knows you are you, and doesn't presume someone else is you.  This is not a walk away moment. 

[tricie17]

I have had fraud with my SS# when someone tried filing taxes with my number.  I believe this may be what is triggering this since the fraud happened during the time slot that they are requesting on this form.  Otherwise it may be the alert on Equifax.

[tricie17]

It means to say I make more than I do.  I am old school, sorry.