Originally Posted by
Willbur
I called recon at 866-606-2961 and the rep said that she sees that the application was denied by their fraud monitoring system which flags multiple applications within 60 days as potential fraud. She said this is something they started "in the last couple of months." It doesn't always stop the second application within 60 days, but that's the parameter used and it tells her this on the screen.
Although one can't generally believe the phone reps because they make up stuff, this does seem reasonable and is consistent with most or all DPs.
It also helps make sense of all the fraud alerts being issued---they are not based on a specific charge that was flagged, but on concern about whether the application itself was fraudulent.
Also interesting: if you are describing the tone of the conversation accurately, the rep knew perfectly well that you were churning, and was trying to help you do it.
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