Key Bank Identification Unit

[Anonymous]

Hey guys I can really use some help here if possible. I am in the process of getting a PL and a PLOC with Key bank and have ran into a road block. The banker is tellling me my credti reports are block/ frozen and the underwritting team can't see my reports (Eq and Tu). Here is the kicker, when I 1st did the application, 2 pulls were done on EQ and 1 done on TU that same day. 4 days later today, the banker tells me the Identifacation Unit with Key Bank can seem yo pull my FICO and I explain that not only have they pulled it, but they freaking pulled it for a total of 3 times. Now Im printing off the 2 FICO reports to email hiim so he can see the pulls. This is a liltte ridiculious as I can't beleive a BIG BANK like Key bank does this. Has anyone ever ran into this problem. He even eplained in his 1st update after the app that my credit score was great and the number I gave for the PL consolidation penciled in great! Now he's tell me they cna pull credit and its showing 0 becasue of a block or alert. ALL of my report are unlock and Ex is the only on that I lock when I dont need to get it pulled. They pulled EQ and TU. Can use some help and advice if possible!!!!!!!!!!  I will keep everyone updated as well.

[Anonymous]

Hey everyone!

Recently, I opened and started account with Keybank and really glad I did as I disappionted with Wells Fargo. The branch manager is very personal as now he is my banker and really cares about what he is doing with his clients. Plus I'm moving over all of my money and investments as well. Last Thursday I applied for a Keybank PL and PLOC at around 1:30pm. That next day, Friday I got an email from the Branch Manager giving me a update that said this:

_______________________________________________________________________________________________________

(Hi, - Name incerted here-)

Got some updates for you. First credit score and everything look great, all the numbers pencil in very well.

However, looks like I’ll be needing some other types of documentation. Because you had a previous fraud case on your credit, UW’s get a little spooked, and they are asking for identity type of documents.

So, I’ll send you a secure email after this one, to which you can attach docs and send back.

We’ll need to provide evidence of the following: Name and DOB, SSN, and Address

Here is what I can use to verify all those:

• Picture of ID (covers name and DOB)
• Picture of social security card, or a W2 or 1099 (covers SSN)
• Picture of utility bill, or lease agreement, or renters insurance (address)

Let me know if you have any questions, concerns, or anything else.

_______________________________________________________________________________________________________

Now I have had this happen when I applied for past credit cards that I had. But never had this happen with loans and lines of Credit. I have had fraud and have alerts on all 3 of my reports. Usually verifiying stuff like this means it's a really good thing when it comes to CC. I mean why ask for all this if they are going to do it right? But again Im not sure about loans. Has anyone been through this before with a bank? My stats are below if you want to know. Yes, I have turned in the information he asked for and hopefully tomorrow I can and will get a better answer. But for now, what do you guys thing?

By the way, I applied for a 20K PL and whatever they want to give me for a PLOC for protection. I had major surgery 3 weeks ago and need to pay for it, also I'm moving AGAIN and it's very exspensive. Dont want to use what the hospital has as credit and really dont want to rack up CC debit using all of what I have toward those exspenses. Keybank has a very good PL deal going right now. They did a double pull on me by the way. Pulled EQ and TU, both are great scores.

Thanks all for the help, advice and hopefully input!

Stats:

EX 737 EQ 722 TU 734

UTIL 9%

AAoA 1.3 years

No Derog

No Late payments

BECU Visa- Sig 10,500 Limit (Bal 500.00/ just paid down last week) 12 months of age

Discover It- 3000.00 Limit (Bal 107.00) 1.5 years of age

BECU LOC- 1000.00 Limit (Bal 200.00) 1.5 years of age

Sychrony Ashley's card- 1000.00 Limit (Bal 0.00) 1.3 years of age

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BECU PL- 10,000.00 Limit (Bal 503.00) 1.5 years of age ( paid it down extremly fast once things got situated on my move, which is why I got the loan)

First Premier CC- 500.00 Limit (Bal 0.00) had this closed after my fraud issue back in 2019. Got it becasue of the fraud.