Two weeks ago I checked their pre-approval tool to see if I am qualified for their credit card or not...and if I do then for how much SL...It came back that I am qualified for $23k SL on one of their credit cards...I didnt accept the offer because I wanted to be their member first. This CU is located in Northern California but their membership is very easy to obtain, and not geo-restrictive, and anyone can join thru Financial Fitness Association.. They even pay for the fee for a year's membership with FFA. So, I applied for the membership...a few hours later I got an email from them stating that my membership application was conditionally approved until I send them the documents they are requesting. They pretty much asked for the copy of my DL and SS card, and a selfie holding DL, and to send them the application for the membership with FFA...I submitted everything right away.
Next day got an email saying that my application got denied for- My identity was not verified REMOTELY. I called them and asked them what was that all about or if they need any other document/information then I am willing to provide. But manager said- its just the typical response from their system whenever someone's DL is not from CA...He also stated that there is nothing to worry about...and that I need to he a virtual meeting with one of their bankers next day...I then had the virtual meeting on zoom...the lady on virtual appointment only asked to show her my ID right in front of my face and then she asked why I wanna join this CU when I live in East Coast...I answered her everything and my reasoning why I want to join this CU...She also asked me as to how I learned about them to which I answered from this site-Myficco...
After that she said that everything seems good and that I would hear out from them after the Thanksgiving...but when I didnt hear from them until yesterday...6 days later of Thanksgiving, I called them yesterday evening and I was told that my application was reviewed and they still denied it. I asked-why...The lady over the phone couldn't answer me on why but said that she could make another virtual appointment so that banker could give answer to all my questions and can help me at the same time to sort out any problem that is preventing my application from getting approved and be able to approve my application.
Today I had the virtual appointment but agent didnt even ask me to open my camera nor he asked any question except informed me only one thing that the back office (fraud dept) has reviewed my application and decided to still decline it. They want me to go to any of their branches in Northern CA with the ID if I wanna become their member. He didn't want to discuss anything further. So, I called them again and spoke with another rep. as I was hoping to speak with a supervisor/manager but this rep. told me that my DL wasn't even verified and that it doesnt seem to be from the state it was issued from....I said-what???? They are full of ........Making all kinds of excuses...
Has anyone ever experienced this kinda dilemma, regardless of being in the same state or from outside of their state? What should I do now? How to tackle this issue? Thanks