After a hard pull they said that they can’t verify my identity. I called and was told that they could not verify me with my phone number. I didn’t know it was a thing. So they asked me to send a fax(!) of my ID, proof of address (utility bills/paystub, lease, etc). After I sent it they said the address does not match. I live in NYC and my area goes by 3 different names, all of which will show exact same place on Google maps. Recently I applied for Chase Reserve and was approved without any lease agreements and urine samples. I wonder if I’m the only lucky one to get this extensive check up. I really wanted to get some point. It is so frustrating :/