@Anonymous wrote:What is really baffling is I cannot find hard pulls from Suntrust at any of the big 3 credit reporting agencies. I checked less than a hour before this post. So where are they getting this info from?
The kicker is I did not really want this credit card in the first place. Having a Suntrust credit card makes it easier to have a Suntrust bank account. That is the reason I applied for the credit card.
1) the reason for the mismatch and no INQ showing up is wrong SSN
2) then don't do anything
Message 3 of 10 Valued MemberI was recently declined on a Bloomingdale's card because they couldn't verify my identity. I called the reconsideration line and they are unable to send me a text on my cell phone. I'm guessing their technology might be lacking. Citi, AmEx, Cap 1, Disco & and all the rest manage to send me texts. But to be declined because they couldn't verify my identity was a wasted HP.
Message 4 of 10
@Anonymous wrote:I applied for the Suntrust Cash rewards credit card just past mid May. I do not have a a prior relationship with Suntrust and applied online.
Received a denial letter. The reason for the denial is "Unable to march applicant(s) to credit bureau record". The letter includes an ID number and instructions to contact "Cardmember Services" via snail mail. No phone number to call or online access to get this cleared
I am dumfounded for several reasons.
I applied for another credit card, with one of Suntrust's competitors, few days prior to applying for the Suntrust credit card. I was approved by phone call in lest than 24 hours and the credit card arrived, ready to use before the Suntrust denial letter arrived.
To be fare, my Experian credit report does have an alias listed with the wrong letter for my middle name initial. But that has never been an issue for their competitors.
What is really baffling is I cannot find hard pulls from Suntrust at any of the big 3 credit reporting agencies. I checked less than a hour before this post. So where are they getting this info from?
The kicker is I did not really want this credit card in the first place. Having a Suntrust credit card makes it easier to have a Suntrust bank account. That is the reason I applied for the credit card.
Should I go into a branch and reapply or deal with the "Cardmember Services"?
My suggestion, if you don't already have one, would be to give up on the SunTrust card and try going for a BB&T card. Based on my experience and the reports from other members, they've been rubber-stamping approvals with only SPs.
On top of that, with the impending BB&T and SunTrust merger, your account will end up coming from the same combined entity when it's all said and done regardless of the credit product you have.
