I am trying to open an online checking account. It asks me to answer some questions from my credit report to verify my identity . I answered one question wrong and it would not proceed. I tried again and same thing.
Now, I have figured out which question I am answering wrong , but when I try it a third time it immediately rejects the application. Do I have to wait a day or week before I can try again? Or I have been "blacklisted" for answering the questions wrong twice? Has a fraud alert been placed on my credit report by any chance?
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mladyd said:I hate those tests. Even though I know what's what, I still worry that just might be off by a few $$ or something.
Me too, the most recent one I took asked for my mortgage payment with answers in $5 blocks. I always round off the $ amt and had no idea, $5 is a bit ridiculous.
Depends on the bank. If you did it at ING then you're probably out of luck http://consumerist.com/5355375/man-says-byzantine-ing-identity-verification-stops-him-from-opening-account
If you already know the question you've missed before, then just call the FI and have them verify you over the phone or to reset the online questionnaire.
Chances are they are asking you about mortgage payment, loans amount, addresses you've lived etc....only you should have answers to those.
Recently I was asked what street that I had lived on....none of the answers applied to me except possibly the answer of P.O. Box 223. I had P.O. boxes previously & had to look at my credit reports from 10 years ago to determine that I did in fact have that P.O. box #. How rediculous....who remembers there P.O. box #s after one has closed there P.O. boxes? And since when is a P.O. box a street name that anyone lives on??? So yes, one needs to be prepared to answer those questions that are not self evident as to the answer.
Message edited by: SFpuppy on 2009-09-10 19:50:37 CDT
I have never been asked a question with a correct answer to choose from. Almost a dozen accounts opened in the last two years and all my answers were "none of the above". Until Ally turned me down a couple weeks ago, must be that was the right answer.
Just an update on this. I called the bank and they were most unhelpful. Basically saying tough luck and there is no way for them to 'unlock' me. So I then emailed the online people who developed the online bank account application. They said:
" You will need to work with the bank to discuss your information and to further troubleshoot. We apologize that we could not be more helpful; however, for security purposes we do not have access to this data to review and troubleshoot any further. "
I believe the system they are using to check the identity is chex ( sp? ). Never heard of them. Anyone got a website for them?
Hey do anyone know how to get a merchant account with just one charge back on my account i gave them a tracking# and this lady screwed me over really good her bank got the money and she got the products and reversed it on me now im trying to get a merchant account and can't until i pay off 1700.00 worth of collections fees and i dont knw how to fight back other then proving to them i sent the items but she saying she didn't get anything can anyone help me if so email me at businessman06071969@yahoo.com she scammed me out of my money and now they want me to back it back is there anyway around this if so please email me and help me thanks alot
fhussain said:Just an update on this. I called the bank and they were most unhelpful. Your username may be the reason for restricting online apps. Shared with too many "persons of interest".
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Just kidding.
