SYSTEMS/TOOLS
Where do you send Retail Referrals?
What is the CCEO mailbag.
What are the three different CBR's?
What are Trans Union, Equifax, Experian.
Where do you remove holds?
What is C3 screen- MPTI.
What is the Call Monitor Disclosure for inbound calls?
What is " This call with be monitored and recorded and your voice may be used for verification".
T/F- The memo builder is mandatory?
What is True.
Where might you find information to show the customer is possibly rewards driven and not a scam victim?
What is in the memos.
When would you pull a cross bureau?
What is when you have a thin file(not enough credit info)/ life cycle mismatch.
Do we CRA2 an acct just because it has Church of Scientology charges?
What is NO!
The Reinstatement Criteria...
What is account closed within 6 months, not past due more than 30 days, and not over limit due to returned payments.
T/F- It is required to place the HALO referral ID# in your memos.
What is True.
Where can you identify if an acct has a BK status?
What is C3 screen IAGI (bottom right "acct status").
Would this be considered a red flag- AMEX Trade, opened on 02/07 closed on 07/14, PAID SAT- CLOSED BY GRANTOR.
What is no.
If the acct status is "CL- Closed CM Request", do we place a CHST?
What is yes.
T/F- If the acct is 34 days delinquent it is eligible for a reinstatement review.
What is False.
**FPF ||****DO NOT DISCLOSE INFORMATION TO CUSTOMER****FIRST PARTY FRAUD FOUND****|| CRA2 || XPN || CREDIT SUMMARY TAB SHOWS REV DEBT AS $49.5K || 1. BALANCES ON ACCOUNTS ARE TOO HIGH COMPARED TO CREDIT LIMITS -- chase, barclays and other trades are currently close or over limit; 2. TOO MANY REQUESTS OF CREDIT OR REVIEWS OF CREDIT -- 6 cc inq this year alone, no prior inq history; 3. RAPID INCREASE IN REVOLVING BALANCES -- amex, citi, bofa, hsbc bank and chase recently opened are already close or over limit, chase ra 2861 also shows a large increase in spending , oop with history || NO ACCOUNTS ELIGIBLE FOR CHST || NO RETAIL RELATIONSHIP || HALO FILED ||
Is this an accurate memo?
What is no.
Where can you identify if an acct is a Tier1/ VIP?
What is C3 screen IACD, IAGI.
20180827 USBANK BB-ALL BANKS
20180330 SPRINT UW-WATER CO
20180306 CHASE CARD BC- BANK CREDIT CARD
20171015 SOUTHLAND CU FC- CREDIT UNION
20171015 AMPS/SCOTT ROBINSON AN-AUTO
20171015 CAPONE AUTO FIN FA-AUTO FIN CO
Is this aggressive seeking?
What is no.
When should we close a related account when the PCM is either a CO-app or an AU?
What is NEVER!
(INBOUND CALL)
PCM- "I received a letter in the mail about Chase closing an acct but I never had a chase credit card."
What is the next step?
What is transfer CM to Fraud inbound.
What are the required elements for you memo when you have given the third party disclosure to the PCM?
What is "PCM requests AU John Doe allowed to speak on account – TP disclosure accepted by PCM- advised valid for 24hrs w/in dept".
T/F/- FileNet will only show you; Driver License, Passport, Signature cards.
What is False.
Bonus- What else can you find in FileNet?
DOB- 04/22/1994
ACCT OPENED- 07/13/2018
SSN ISSUED- NY/1995
LN shows- 3 address all in NY starting in 2012
6 BC inq in 2018 CBR on file in 2012 (student loans) until 2017
First rev trade opened in 2017
1 Chase- everyday activity, over limit ($101.20) and past due 6 days
Am I synthetic, new to credit or a credit risk?
What is New to Credit!
** WE DONT NOT CLOSE FOR CREDIT RISK**
DOB- 07/29/1981
ACCT OPENED- 03/02/2018
Chase acct has no activity
SSN ISSUED- randomly
LN shows- 4 address all in NY starting in 2013
6 BC inq in 2018
4 BB inq in 2017
5 BC/bb inq in 2016
On file in 2013
First rev trade CAP ONE opened in 2013
Am I synthetic or new to credit?
What is NEW TO CREDIT.
T/F- You NACT an already Credit Revoked account when no FPF found.
What is False.
** CM CALLS IN REQUESTING REINSTATEMENT/ESCALATION ON ACCTS AND APPS, THIS IS THE MOST RECENT MEMO ON THE ACCT, WHAT DO YOU TELL THE CM?**
ILFCRT/EO/WORKED CUSTOMER COMPLAINT/CUSTOMER'S APPLICATION WAS TURNED DOWN AND EXISTING ACCOUNT WAS CLOSED DUE TO FIRST PARTY FRAUD. CUSTOMER WANTS ACCOUNT REINSTATED/ACCOUNT WAS CLOSED FOR BUST OUT AND CREDIT REVOKED BECAUSE FIRST PARTY FRAUD WAS FOUND/DECISION UPHELD TO AVOID UNNECESSARY RISK TO THE BANK. REINSTATEMENT REVIEW REQUESTED AND DECSION TO CLOSE ACCOUNT WAS UPHELD/DECISION IS FINAL
What is EO has handled the case and the decision is upheld and final, the accts will remain closed.