Strange request from FNBO

[username7]

Finally received my card in the mail, gave the number a call and was routed to the fraud department.. Weird.. I haven't even used it yet.. 

CSR tells me that somehow my phone number got deattached from my application/account.. and in order for me to activate the FNBO card, I would need to go to any bank and have the branch manager call the number on the back of the FNBO card telling the FNBO CSR I am the person listed on the card. 

This sounds fun. Anyone experience this?

[cashorcharge]

According to their website, their branches are only in a few states.  What if you don't live in one of those states?

I'm not doubting the issue happened, I guess anything could happen..as odd as it seems..but the resolution doesn't seem feasible 

I'd try calling in to speak to someone else.  Or maybe start with a regular CSR, not the Fraud Dept first.

https://www.fnbo.com/branch-locations/states/

[username7]

---

@cashorcharge wrote:

According to their website, their branches are only in a few states.  What if you don't live in one of those states?

I'm not doubting the issue happened, I guess anything could happen..as odd as it seems..but the resolution doesn't seem feasible 

I'd try calling in to speak to someone else.  Or maybe start with a regular CSR, not the Fraud Dept first.

https://www.fnbo.com/branch-locations/states/

---

The fraud dept CSR initially said as I said in my OP that any bank would work, but it had to be the branch manager that called.

[SoCalGardener]

---

@username7 wrote:

---

@cashorcharge wrote:

According to their website, their branches are only in a few states.  What if you don't live in one of those states?

I'm not doubting the issue happened, I guess anything could happen..as odd as it seems..but the resolution doesn't seem feasible 

I'd try calling in to speak to someone else.  Or maybe start with a regular CSR, not the Fraud Dept first.

https://www.fnbo.com/branch-locations/states/

---

The fraud dept CSR initially said as I said in my OP that any bank would work, but it had to be the branch manager that called.

---

Literally ANY bank? Like you could go to BofA or Chase or WF and they'd accept that manager's word? How would they even know it really *is* a bank manager?! It could just be a friend of yours. Internally, a bank manager would be able to provide their employee information (whatever they use, an employee number, a security code, their branch location's ID and phone numbers, etc.), but some random OTHER bank...I don't get it!

[parzivalmx]

Very strange, I image the branch manager would be very confused with this request. 

[Creditplz]

This is more confusing then when I had to go get a medallion signature for Fidelity investments... 

I very highly Doubt that if I go to Citi/Chase/WF they'll call FNBO on my behalf and tell them that I am who I say I am... I'm sure there's a internal security guideline that prevents them from doing so.

[cashorcharge]

---

@username7 wrote:

---

@cashorcharge wrote:

According to their website, their branches are only in a few states.  What if you don't live in one of those states?

I'm not doubting the issue happened, I guess anything could happen..as odd as it seems..but the resolution doesn't seem feasible 

I'd try calling in to speak to someone else.  Or maybe start with a regular CSR, not the Fraud Dept first.

https://www.fnbo.com/branch-locations/states/

---

The fraud dept CSR initially said as I said in my OP that any bank would work, but it had to be the branch manager that called.

---

I didn't even consider that FNBO would take the word of say a Chase Bank Branch Manager when they wouldn't know or care on why this was going on.  I figured FNBO would want you to go to THEIR bank.  Sorry about the confusion.  Good luck!

[gdale6]

I personally have never heard of this with FNBO but they appear to be issuing their evergreen card to just about anyone around the country. This is something a few eastern CUs and banks would pull not FNBO. If you can really go into any bank and have the branch manager call then I would do that and if that fails you might have to just SD the thing and let it auto close for non use if this cannot be resolved. I would try the FNBO underwriter number and see if they can help

http://ficoforums.myfico.com/t5/Credit-Card-Applications/Backdoor-Numbers/m-p/408066

[SoCalGardener]

---

@gdale6 wrote:

I personally have never heard of this with FNBO but they appear to be issuing their evergreen card to just about anyone around the country. This is something a few eastern CUs and banks would pull not FNBO. If you can really go into any bank and have the branch manager call then I would do that and if that fails you might have to just SD the thing and let it auto close for non use if this cannot be resolved. I would try the FNBO underwriter number and see if they can help

---

But it's SUCH a bizarre concept! Asking a *competitor* to do this random favor for a random person--who's not even their customer? *SMH*

[Mr_Mojo_Risin]

---

@SoCalGardener wrote:

---

@gdale6 wrote:

I personally have never heard of this with FNBO but they appear to be issuing their evergreen card to just about anyone around the country. This is something a few eastern CUs and banks would pull not FNBO. If you can really go into any bank and have the branch manager call then I would do that and if that fails you might have to just SD the thing and let it auto close for non use if this cannot be resolved. I would try the FNBO underwriter number and see if they can help

---

But it's SUCH a bizarre concept! Asking a *competitor* to do this random favor for a random person--who's not even their customer? *SMH*

---

Yes, this is a very bizarre situation.

I've never heard of something like this.