I understand Chase needs your first born to complete verification
.
JK, but to me who would have their cc sent to a hotel, that would raise inmediate suspicion. If they suggestd this themselves that sound ridiculous in my humble opinion. A card should be sent to a verifable address listed on apllicants credit report. Otherwise, i'd like mine delivered to the McDonalds i use the most. Sorry for your troubles Op hope it works out but fraud is rampant so make dure all t's are crossed and i's dotted 
.JK, but to me who would have their cc sent to a hotel, that would raise inmediate suspicion. If they suggestd this themselves that sound ridiculous in my humble opinion. A card should be sent to a verifable address listed on apllicants credit report. Otherwise, i'd like mine delivered to the McDonalds i use the most
. Sorry for your troubles Op hope it works out but fraud is rampant so make dure all t's are crossed and i's dotted
@Anonymouswrote:
Hi all! I have been a long time reader here, and decided to make an account to get input from those more experienced than me.
My fiancée and I travel around the country, selling at conventions all year. We finally decided to get a Marriott Rewards card, and did so under his name as his credit is stellar. Mine would be perfect if not for a BK a few years ago, never late payments or anything else. I did burn chase for about 2.5k. We put me as an authorized user as I do all of the trip planning, which I think might have been a mistake.
He is instant approved for the card, 5k limit. We call to expedite it, get shipped to our hotel since it would still take a week to sync with Marriott (their suggestion actually).
Card comes, we use it on check in, and it’s denied at the hotel register, so we pay with a debit card instead. We call chase, and they say they suspected Fraudulent activity, so the entire account is shut down until he proves he is him.
So he immediately emails chase his social security card, copy of a bill, and license as requested. Call back the next day and they say they got the documents but still aren’t sure they are speaking to the account owner. We escalate to the supervisor, and from here on out are speaking directly to a specific supervisor. At her request he sends in his car insurance and registration. Still unable to verify identity, we just keep getting “call back in 24-48 hours for an update.” Suggested we reapply and immediately call a number she gave us to explain, we did and were still denied for “duplicate application”. Too soon, as figured.
We’ve been fighting this for almost a full month now, calling the supervisor directly every 2 days at first, now calling every 4-5. Always nothing but polite and friendly but still firm, he isn’t yelling or anything. They suggested reapplying in 30 days.
Today he got a letter in the mail stating “we have concluded that the fraudulent charges are not your responsibility and we are forwarding these findings to the three bureaus.” But there were never fraud charges, only one legitimate transaction that spooked them and was declined?
What do you guys think?
1. Is it worth continuing the fight, or should he just reapply in a month? Of course without me being an AU.
2. Would he still be eligible for the Marriott sign up bonus since the bank closed the original before a cent was spent?
3. That letter he got, does that mean chase is putting a fraud alert on his credit report? Or just that they are closing the case?
This is so incredibly frustrating, the SPG is always a band aid option but we exclusively stay in marriotts. I recognize that it’s suspicious using the card so soon for a $1200 hotel stay, and I suspect me being an AU had an impact, but come on. There was no actual fraudulent activity at all. When I had chase they would just call me up, ask if it was me, and boom card is active again.
Same here and the SPG is the best Marriott card available, period. Marriott and Ritz cards earn 5 points per $ at Marriott, while SPG earns 6 since 1 Starpoint=3 Marriott points. The Chase cards get 2 points for restaurants and some travel like airfare while the SPG gets 3. The Chase cards get 1 point for everything else, the SPG gets 3. (And of course the Platinum card from Amex would earn 5 Marriott points per $ of airfare instead of the Chase cards' 2.) You do miss out on the free night with the Marriott cards and the 10% bonus on the Ritz, but the additional earnings should more than make up for that! The only real caveat is that there is no way to spend your way to Platinum Elite status with the SPG and you'll top out at Gold Elite.
My advice would be go for the SPG now if it won't affect the chances of applying again for the Marriott (which is subject to 5/24).
Nothing left out that matters. He applied about 2 weeks before one of our trips. It was a close call yeah, but we wanted to be able to fit our next three hotel stays into the 3 month minimum spend period. Once he was instant approved we called about how long it would take to expedite the card since marriott has to sync first, and they told him that it would still be some time so we could send it to the hotel to try and have it in time. We had the cash so just used debit when everything went south.
The address on application was his legal address, same one that is on his credit file, and the hotel address was given to chase over the phone.
To everyone else:
yeah, I definitely won't believe them if they suggest something like that again. I definitely get how the various departments just don't talk to eachother! I'd rather have just used debit at the hotel and waited for the card, but alas I beleived that if they suggested it, things would be fine.
We just got the SPG card this week, in case Chase continues this and he can't get approved in 30 days. We'll definitely try in person then, and add me as an AU after he's had the card for a little while to be safe. It's good to hear that my history isn't a factor, and that a closed Marriott account won't hurt the chances on a new app, I was worried about that.The only real reason we even want a card with my name is for the hotels, I book them in my name and use autofill and then I do the checking in etc. The rooms tend to go live and sell out within minutes for these convention, I'll just have to change the autofill settings
I know SPG has a better point value even though we won't stay at SPG, but the higher CL and free night/elite spend are big draws. We are spending $1200 per trip on the hotels alone, let alone other travel costs, PIF immediately after. He was approved for 1k with Amex which we should be able to raise in 60 days. Until then we just have to be careful not to max out/PIF too many times before each bill while the card is new