Ebates & Stash Hotel Visa frozen

[Creditplz]

Both of my Synchrony Visa cards (Ebates & Stash) are frozen... Got a call by Synch today that they just need to verify income by 4506-T so no issues here ! They told me it's because of high exposure and my recently CLI... But they did tell me it could take 15-20 days after they get it to process it and verify it so my accounts will be out of service for 30+ days! !

[ddemari]

wow i havent seen this happening much in the past. thanks for sharing, as I myself need to keep trimming back my exposure with synch. hopefully it goes quicker for you. 

[Creditplz]

Neither have I :/ I just tried logging in and it told me to call, about 5 minutes later they called me. I really hope so when she said 30+ days I was like noooooo

[ddemari]

if you dont mind sharing what is your exposure with them? 

[Creditplz]

$83,500 total exposure, 25k on Stash, 25k on Ebates

[ddemari]

thanks for sharing. well i hope synch moves along and verified your info quickly and unlocks your accounts. 

[Anonymous]

You said in another thread that you had already provided Synchrony with 4506-T before; are they asking you for another one?

http://ficoforums.myfico.com/t5/Credit-Cards/Synchrony-over-25K/m-p/4653547/highlight/true#M1348209?...

[Anonymous]

Sorry to hear and I hope it goes well. What was your usage like on the cards, and your utilization overall?(not just Synchrony) Seems as if something spooked them.

[Creditplz]

Yeah that was for my Chevron, Walmart, and other cards that I had got CLI on a few months back, they're asking for it again which is odd ,

And i normally only use one card a month about 3-5k typically but I always PIF and never let it report. My total UTL is at 1% and my Synchrony cards just have a $14 balance on them overall and its on Ebates

[Anonymous]

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@Creditplz wrote:
Yeah that was for my Chevron, Walmart, and other cards that I had got CLI on a few months back, they're asking for it again which is odd ,

And i normally only use one card a month about 3-5k typically but I always PIF and never let it report. My total UTL is at 1% and my Synchrony cards just have a $14 balance on them overall and its on Ebates

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That's just silly to ask you for another one when they already have your taxes from a few months ago. I could understand if it was for a different year, but they're asking you to give them permission to look at the exact same tax transcript from the exact same year - that makes no sense 

Hopefully they'll leave you alone after this one - at least until next year