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Not doom. Need help

 
F00LIO
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User ID: 79272240
United States
05/23/2022 01:31 AM
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Not doom. Need help
Guys I need help.

I’ve been coming here on and off for at least 10 years. I’ve subscribed on and off since the pandemic.

I’m a 53 year old man. My life has been anything but normal.

I was always very smart, especially in math, computers, science but I actually did better in verbal SATS than math.

I was accepted at every college I applied to, including an Ivy League, but wanted out of the north east but still went to a top ten university.

The summer after I graduated high school I developed a chronic headache problem. It wrecked my life. I was able to go to school - college and grad school - because it was easy. I knew my life was over but figured the degrees would help if I ever got better.

I was able to work, lost my job, couldn’t find another and had to move home bc of the recession in 2009.

Between then and now I was sick and my parents became old and needed a caregiver. I became it. I hate doing it.

Back 30 years ago when I was in college or grad school my dad was in a bad car accident, was unable to work again. After that my mom was the one who wrote the checks, applied for credit etc. She was good at handling money and playing the frequent flyer mile credit card game.

This resulted in all household credit being in her name. My father didn’t need it, he was retired, disabled, and could be an authorized user to one of my moms cards. All household expenses were put thru one of these cards and then the balance was paid monthly.

My mom died 2 months ago. I have had the unenviable task of trying to establish credit for an 84 year old man who is starting to sound senile, plus my brother and I need to be authorized users bc we take care of him and the house hold. I hold general power of attorney.

First I went to chase bank in my town, got him signed up on a card with ample credit. I was an authorized user. For some reason they wouldn’t activate, were flagged by the fraud dept. i can’t call them bc it’s impossible to reach a human and hold times are absurd.

Next I went to BOA. The lady set us up. All three cards were sent overnight and activated fine. They are now all deactivated, flagged by the fraud dept.

I tried to buy dinner tonight at 5 guys. My brand new BOA card was declined. Then somehow my own Citicard that I’ve had for 30 years was declined by 5 guys. Before you say it was their point of sale card reader my brothers BOA card was declined elsewhere after this happened at 5 guys.

What do I do? All recurring charges are funneled thru the card. It is so much easier. I pay the card online and write one check a month. We are getting to the point where electricity and cable will be shut off.

Do I have to hire an attorney to deal with these scumbags?

Also before someone tells me to go to a credit union, to not feed the beast, I need results now. That will come later. But now it has to be expedient.

I feel like I have an IQ of 10. This should be simple. I also feel like I’ve let my family down. I don’t know if I’ve ever felt this low.

Thanks for your help.
FOOLIO
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User ID: 83376321
05/23/2022 01:35 AM
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Re: Not doom. Need help
why is everything being flagged for fraud? talk to your banker
F00LIO  (OP)

User ID: 79272240
United States
05/23/2022 01:42 AM
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Re: Not doom. Need help
why is everything being flagged for fraud? talk to your banker
 Quoting: Anonymous Coward 83376321


No idea.

It’s three diff banks.

Chase bank only has managers in my town 1 or 2 days a week.

BOA only has one location left near me with people.

Don’t know where a citibank location is.

It’s impossible to get thru to these places on the phone.

I can’t give up but I’m so tempted to.

Just curious if someone else had experienced this. Never happened to me, I don’t carry balances and my credit is good. It was humiliating to have 2 cards in a row turned down, never had it happen before even once.
FOOLIO
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User ID: 83376321
05/23/2022 01:54 AM
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Re: Not doom. Need help
why is everything being flagged for fraud? talk to your banker
 Quoting: Anonymous Coward 83376321


No idea.

It’s three diff banks.

Chase bank only has managers in my town 1 or 2 days a week.

BOA only has one location left near me with people.

Don’t know where a citibank location is.

It’s impossible to get thru to these places on the phone.

I can’t give up but I’m so tempted to.

Just curious if someone else had experienced this. Never happened to me, I don’t carry balances and my credit is good. It was humiliating to have 2 cards in a row turned down, never had it happen before even once.
 Quoting: F00LIO


chase bank is pretty trash. can attest personally. it's not impossible to get through on the phone, it does sometimes require a wait of an hour or more depending on when you call.

my suggestion would be to prepare for calling their center 5mins prior to its open time. and be prepared for a wait. ask to speak with the fraud department specifically perhaps.
Anonymous Coward
User ID: 83345089
United States
05/23/2022 01:56 AM
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Re: Not doom. Need help
Cut your losses.

Kill the cards.

Go to Wal-Mart and purchase a debit card.

You can put money on it at will.
Anonymous Coward
User ID: 80091218
05/23/2022 02:08 AM
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Re: Not doom. Need help
If he’s never had credit, they may think he doesn’t exist. Can you just do debit cards instead?
Silicon Jock

User ID: 83301608
United States
05/23/2022 02:13 AM

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Re: Not doom. Need help
Guys I need help.

I’ve been coming here on and off for at least 10 years. I’ve subscribed on and off since the pandemic.

I’m a 53 year old man. My life has been anything but normal.

I was always very smart, especially in math, computers, science but I actually did better in verbal SATS than math.

I was accepted at every college I applied to, including an Ivy League, but wanted out of the north east but still went to a top ten university.

The summer after I graduated high school I developed a chronic headache problem. It wrecked my life. I was able to go to school - college and grad school - because it was easy. I knew my life was over but figured the degrees would help if I ever got better.

I was able to work, lost my job, couldn’t find another and had to move home bc of the recession in 2009.

Between then and now I was sick and my parents became old and needed a caregiver. I became it. I hate doing it.

Back 30 years ago when I was in college or grad school my dad was in a bad car accident, was unable to work again. After that my mom was the one who wrote the checks, applied for credit etc. She was good at handling money and playing the frequent flyer mile credit card game.

This resulted in all household credit being in her name. My father didn’t need it, he was retired, disabled, and could be an authorized user to one of my moms cards. All household expenses were put thru one of these cards and then the balance was paid monthly.

My mom died 2 months ago. I have had the unenviable task of trying to establish credit for an 84 year old man who is starting to sound senile, plus my brother and I need to be authorized users bc we take care of him and the house hold. I hold general power of attorney.

First I went to chase bank in my town, got him signed up on a card with ample credit. I was an authorized user. For some reason they wouldn’t activate, were flagged by the fraud dept. i can’t call them bc it’s impossible to reach a human and hold times are absurd.

Next I went to BOA. The lady set us up. All three cards were sent overnight and activated fine. They are now all deactivated, flagged by the fraud dept.

I tried to buy dinner tonight at 5 guys. My brand new BOA card was declined. Then somehow my own Citicard that I’ve had for 30 years was declined by 5 guys. Before you say it was their point of sale card reader my brothers BOA card was declined elsewhere after this happened at 5 guys.

What do I do? All recurring charges are funneled thru the card. It is so much easier. I pay the card online and write one check a month. We are getting to the point where electricity and cable will be shut off.

Do I have to hire an attorney to deal with these scumbags?

Also before someone tells me to go to a credit union, to not feed the beast, I need results now. That will come later. But now it has to be expedient.

I feel like I have an IQ of 10. This should be simple. I also feel like I’ve let my family down. I don’t know if I’ve ever felt this low.

Thanks for your help.
 Quoting: F00LIO



The thing is you are dealing with credit. No bank is obligated to issue it. If you are talking about actual funds being withheld, then by all means get a lawyer and sue the fuck out of them. When it comes to credit, any bank can deny it for pretty much any reason.
Anonymous Coward
User ID: 81258228
Canada
05/23/2022 02:25 AM
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Re: Not doom. Need help
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vmedia

User ID: 80064274
United States
05/23/2022 02:40 AM
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Re: Not doom. Need help
OP you actually went inside chase & BOA when you applied? Are you serious? Bro you can do that shit online now!!

I bet you're still buying stamps too...
Anonymous Coward
User ID: 83332129
Thailand
05/23/2022 02:49 AM
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Re: Not doom. Need help
New cards often get flagged for fraud...it's just an algo. If you don't sort it out then subsequent cards are more likely to get flagged.
Getting to speak to someone at customer service isn't easy but not impossible.
I use Skype on my laptop and half watch a show on TV whilst I'm waiting on hold, that way I don't get so irritated. Sometimes it's taken over am hour but I've always eventually gotten through.
Good luck!

Not sure if you have digital banks in the US, but here in the UK we have some now and they are knocking it out of the park in comparison to traditional banks. I use Revolut and they are brilliant in that they are so easy, far cheaper and resolution of issues are fast. Little touches like messaging you every time the card is used, everytime you receive funds. You can also round up purchases and the excess goes into a specific savings fund (I have one labelled Xmas for example).
I haven't ditched my High Street bank yet but I hardly use it now.

Finally don't feel bad about feeling so stupid. They sell all this auto/app/tech stuff as being oh so easy and quick and simple....yeah right! Tell me that again as I wait for an hour on hold to sort out a simple issue!
Now my High Street bank says it's oh so easy on the app...but I can't download the app because it's only available on App Store or Play Store. I have Android but I am a Google Free Zone. Why should I have to have a Gmail account to use my bank? It's not available on simple Android stores. Infuriating! And yes makes you feel stupid and unable to cope with the world. How do less competent people cope?





GLP