The ID Check Said No. Log the Refusal and Take the Escalation Route
Turn an automated identity-verification refusal into a written reason request, a manual-review route, and a dispute if a consumer-reporting agency is involved. It runs locally in this browser and sends nothing.
LIMIT FIRST: This is a planning and referral aid, not legal or financial advice. It cannot enrol you in a programme, connect a service, or guarantee that free help is available where you live.
FREE TIER1 Free Run AvailableFree preview — Pro locked
Cost and free path
Cost: Free: one complete run in this browser, no account. Optional $4 one-time unlock allows unlimited runs of this tool on this browser. The free path and safety guidance never require payment.
Rule status (mixed route): structural: automated identity verification is governed by the vendor's contract, by the FCRA dispute route when a consumer-reporting agency is used, and by the institution's own complaints process otherwise; the route depends on which of those applied, which is why the vendor has to be named in the record. Reviewed 2026-10-03 (FCRA §611 dispute route).
Automated decision this documents: automated identity verification and face-match thresholds that refuse a real applicant
Free path, in order (no cost):
CFPB — submit a complaint and check consumer-reporting rights (consumerfinance.gov/complaint)
FTC — identity theft and consumer-report guidance (identitytheft.gov)
211 — local in-person verification and document help (211.org)
What this cannot do: It cannot enrol you in a programme, connect a service, or guarantee that free help is available where you live.
Sources checked 2026-10-03 · source bank reviewed against the live pages listed in metadata.
One-time payment. No subscription. Unlocks this tool on this browser only; not synced to other devices. Free use remains available. Safety information never requires payment. Client-side unlock is not purchase-verified. Refunds.
This tool reduces uncertainty; it does not replace a bank's fraud department, a mental-health professional, legal advice, a school privacy contact, or qualified technical help, and it cannot prove that a call, message, account, decision, or AI system is safe.
Convenience tier: unlimited runs on this browser$4 one-time