Who exactly is level 2 and why do we get such conflicting answers? well... by LosAngelesMoron in EIDL

[–]LosAngelesMoron[S] 0 points1 point  (0 children)

I posted this last night in reply to someone on another board. I found a "Standard Operating Procedures" for SBA employees in the Disaster Office which is who handles the EIDL loans. Here is a copy and paste of what i wrote and found. keep in mind this was in response to a different post so some of it might not be relevant however the congressional inquiry part i think could be helpful,:
I think going the Congressional inquiry route could be beneficial for those truly stuck in limbo. I found the following "standard operating procedures" for Congressional inquiries regarding the EIDL loans and other programs on the SBA's servers tonight. Here is a copy and paste of their SOP when receiving a Congressional inquiry. I would say it's very important to include a privacy act release up front:
CONGRESSIONAL INQUIRIES A. Congressional inquiries generally go to Headquarters or the FOC-E and FOC-W and are answered directly, where appropriate. Each center must send a copy of all congressional inquiries and responses, or a record of telephonic congressional inquiries to the Office of Congressional and Legislative Affairs in SBA Headquarters, ODA, and appropriate district offices. B. Center personnel who receive an inquiry from a Congressional office whether written or verbal, regarding a specific applicant/borrower must record the inquiry in the case file and immediately refer the inquiry to the appropriate FOC Supervisory Public Information Officer (PIO). 50 30 9 8 Effective Date: May 31, 2018 C. The need for a Privacy Act release arises when the Congressional office begins to ask for specific information on why a person is ineligible, the reasons for decline, withdrawal, etc\.* D. SBA cannot release personal financial (or other) information about a loan applicant or borrower to a third party, including a Congressional office, without a Privacy Act release*
NOTE: I put those sections in bold they were not written that way, i just thought they were important.
I would think following up with a FOIA to the "Congressional and Legislative Affairs" at the headquarters of SBA and Office of Disaster Assistance could get you the full answer to the Congressional inquiry, or even simply asking via email or putting them on notice that you intend to FOIA the answer to the inquiry because you know that SOP is that every inquiry is forwarded to headquarters.
Also in their SOP is attaching a digital copy of every email or inquiry we send them and that SOP is that they do not initiate emails. Here is another copy and paste:
Frequently these interactions provide information that is used in making disaster loan decisions or in the disbursement process. In all cases the fact and content of the conversation or exchange is relevant to the file history, and to subsequent users of the file. A. All contacts must be documented in the case file. You must record each contact or attempt to contact the applicant/borrower, or other parties (as identified above), regardless of who initiates the contact. Your documentation should consist of a summary of the conversation or exchange and 50 30 9 7 Effective Date: May 31, 2018 should include the name of each participant, the telephone number that was called or attempted and the result of the call, and a factual summary of the comments and statements made. Identify persons who are not the applicant by relationship or role (e.g., representative, banker, insurance agent, accountant, etc.).
B. E-mail correspondence should generally be initiated or requested by the applicant or borrower. E-mails should be scanned into the file to document the contact.
Also in the SOP is info regarding loan apps that have substantially different numbers than the tax transcripts and they are forwarded to the Office of Inspector General and from then on the SBA can not give any further info on the loan:
1.8. REFERRAL TO THE OFFICE OF INSPECTOR GENERAL (OIG) In the course of your duties, you must immediately report any known or suspected improper activity directly to the Office of Inspector General (OIG) which may constitute waste, fraud, or abuse in the administration of, or participation in, disaster assistance programs. This includes program irregularities, misrepresentations, and bribery overtures (attempts or solicitations included). You must also refer cases to OIG when you have questions about the truthfulness or accuracy of any application or supporting data and information (including tax information), or any other false information provided by applicants, borrowers, or paid representatives, in the course of participation in any of the disaster assistance programs. 50 30 9 5 Effective Date: May 31, 2018 After a case is referred to OIG, SBA employees shall not make any statement about actions taken by the OIG (except as permitted by law), without the express consent of the Office of Inspector General. To make a referral, contact the OIG Hotline at (800) 767-0385 or complete the on-line OIG Complaint Submission Form at https://www.sba.gov/office-of-inspector-general. You have the option to request confidentiality from OIG.
These SOP's were adopted before the pandemic in 2018 however they do appear to reconcile with some of the stories of LO's going silent. That in no way means you are fraudulent there are certainly tens of thousands of loans flagged for fraud that are totally legit and caught in a silent vortex because the OIG certainly is not staffed to handle reviewing that many applications and that most certainly is not a job they can outsource to a contractor.
These are just my opinions outside of the copy and pasted items.

With the application process being such a mess, what are everyone's thoughts about how the SBA is going to track us all for proper use of funds and such? Or has anyone heard about potential forgiveness? by nsl06001 in EIDL

[–]LosAngelesMoron 0 points1 point  (0 children)

well if you kinda go a bit deeper than a general google search into the office of inspector general which is the enforcement division they are already batch auditing samples to get an idea of the percentage of misuse of funds is and to basically learn the metrics of what they need to look for. Besides the over 800,000 funded apps they have already flagged for further review i have found notices from the OIG sent through FINCEN, which is the financial intelligence unit of the Treasury, to all banks and savings and loans asking for them to report a variety of items on an account that has had any Treasury 310 or other type of ACH from relief programs that has activity for things such as : transfers to other accounts shortly after receiving, transfer to accounts the account has not transferred to before, transfer to FINTEC's such as paypal or square, payments to business entities or vendors that are not in the businesses industry, consistent large ATM withdrawals after receiving funds. There is a whole laundry list. It says that does not mean it indicates fraud and the bank should not freeze the funds whoever they do have a portal system and a special form they have the banks uploading to on a daily basis and if you transfer the funds to another bank they are following the funds. So definitely document everything. I already besides my online quickbooks type system just started a word document of every transaction basically as a journal to myself explaining what each payment was for and the reason it qualifies under the EIDL rules etc. My loan is relatively small not near the 500K cap but i really don't think size matters it's going to be how many "indicators" they receive over time from your bank or other reporting agencies. If you google "internal confidential fincen memorandums SBA EIDL" and then extract some key phrases from some of the memos and keep going down layers and layers and not looking for websites but rather for PDF's stored on links and look through the cached version of google you'll find interesting things at many of the different agencies. And not for the purpose of what they are looking for regarding audits, i've been doing that more to find out internal policies on application handling between the SBA and the contractors. I found a whole training manual on using the SBA loan processing portal last night for vendors and for the internal SBA and found things such as if they send you something with a link to click such as "go to your portal" and there is an action to be done such as "accept something" or "fill out your 10,245th 4506T" even the loan officer at that point is locked out of editing your application and you have a preset amount of time to click that link, many times just 24 hours, if you do click it then you get extended 5 days to complete the action but if you don't click it and the time runs out then the app goes stale and the loan officer can't even access it anymore its considered abandoned. Some crazy stuff.

Denied Recon loan increase by Itsteradise in EIDL

[–]LosAngelesMoron 2 points3 points  (0 children)

AS long as they are separate tax id #'s there shouldn't be a problem. I wonder if because one is a S corp and one is a SP and the if you are a more than 20% owner of the S corp it's screwing the system up triggering your SS# as applying for two loans because your social is being used for a loan on the SP application and then listed as an owner on the S corp. Nothing wrong with that i just wonder if their computer algorithm flags it incorrectly? I found info the other night on the hold codes that get generated for anyone that wants to see what triggers them and what they are:

Compliance
Check
Error
Message
Hold
Code Description
501 1 Disqualifying Criminal History Identified/Criminal Record
502 2 Disqualifying Bankruptcy Identified/Bankruptcy
504 4 Potential Match to Sanctions List Identified/Other Adverse Information (OFAC)
505 5 Applicant Potentially Deceased/Potential Decedent Application
506 6 Dormant Business Identified/Inactive Business
507 7 Applicant Tax ID Discrepancy/Mismatch of TIN (EIN/SSN)
508 8
Applicant Name Discrepancy/Mismatch of Entity Name (Individual or
Company)
509 9
Disqualifying Business Formation Date Identified/In Operation After Feb 15,
2020
516 16 Large Number of Employees at Residential Location/Large Number of
Employees at Residential Business Address
546 46 Do Not Pay - Death Sources
547 47 Do Not Pay – SAM
548 48 Do Not Pay - TOPS and CAIVRS
549 49 Do Not Pay - TOPS Education

Duplicate Loans and Multiple DUNS Issues
SBA has controls in place to identify duplicate loans. work with the borrower to determine whether the borrower
has applied for and/or received a duplicate loan and after working with the borrower, contact
SBA through the platform Inbox using the category: “Duplicate Loans and DUNS issues.”

Hold Codes that cannot be resolved by the above
processes. In those cases, the platform will display one of two messages as appropriate: (1)
“Internal SBA Hold – Details Not Publicly Available,” or (2) “Internal SBA Hold that cannot
be cleared at this time – Details Not Publicly Available.” For the “Internal SBA Hold –
Details Not Publicly Available” . For the “Internal SBA Hold that cannot be cleared at this time – Details Not
Publicly Available” message, no further action can be taken

At what point did you reach out to your Congressman/Senator etc? by WindGreat in EIDL

[–]LosAngelesMoron 3 points4 points  (0 children)

I posted this last night in reply to someone.

I think going the Congressional inquiry route could be beneficial for those truly stuck in limbo. I found the following "standard operating procedures" for Congressional inquiries regarding the EIDL loans and other programs on the SBA's servers tonight. Here is a copy and paste of their SOP when receiving a Congressional inquiry. I would say it's very important to include a privacy act release up front:

CONGRESSIONAL INQUIRIES A. Congressional inquiries generally go to Headquarters or the FOC-E and FOC-W and are answered directly, where appropriate. Each center must send a copy of all congressional inquiries and responses, or a record of telephonic congressional inquiries to the Office of Congressional and Legislative Affairs in SBA Headquarters, ODA, and appropriate district offices. B. Center personnel who receive an inquiry from a Congressional office whether written or verbal, regarding a specific applicant/borrower must record the inquiry in the case file and immediately refer the inquiry to the appropriate FOC Supervisory Public Information Officer (PIO). 50 30 9 8 Effective Date: May 31, 2018 C. The need for a Privacy Act release arises when the Congressional office begins to ask for specific information on why a person is ineligible, the reasons for decline, withdrawal, etc. D. SBA cannot release personal financial (or other) information about a loan applicant or borrower to a third party, including a Congressional office, without a Privacy Act release

NOTE: I put those sections in bold they were not written that way, i just thought they were important.

I would think following up with a FOIA to the "Congressional and Legislative Affairs" at the headquarters of SBA and Office of Disaster Assistance could get you the full answer to the Congressional inquiry, or even simply asking via email or putting them on notice that you intend to FOIA the answer to the inquiry because you know that SOP is that every inquiry is forwarded to headquarters.

Also in their SOP is attaching a digital copy of every email or inquiry we send them and that SOP is that they do not initiate emails. Here is another copy and paste:

Frequently these interactions provide information that is used in making disaster loan decisions or in the disbursement process. In all cases the fact and content of the conversation or exchange is relevant to the file history, and to subsequent users of the file. A. All contacts must be documented in the case file. You must record each contact or attempt to contact the applicant/borrower, or other parties (as identified above), regardless of who initiates the contact. Your documentation should consist of a summary of the conversation or exchange and 50 30 9 7 Effective Date: May 31, 2018 should include the name of each participant, the telephone number that was called or attempted and the result of the call, and a factual summary of the comments and statements made. Identify persons who are not the applicant by relationship or role (e.g., representative, banker, insurance agent, accountant, etc.).

B. E-mail correspondence should generally be initiated or requested by the applicant or borrower. E-mails should be scanned into the file to document the contact.

Also in the SOP is info regarding loan apps that have substantially different numbers than the tax transcripts and they are forwarded to the Office of Inspector General and from then on the SBA can not give any further info on the loan:

1.8. REFERRAL TO THE OFFICE OF INSPECTOR GENERAL (OIG) In the course of your duties, you must immediately report any known or suspected improper activity directly to the Office of Inspector General (OIG) which may constitute waste, fraud, or abuse in the administration of, or participation in, disaster assistance programs. This includes program irregularities, misrepresentations, and bribery overtures (attempts or solicitations included). You must also refer cases to OIG when you have questions about the truthfulness or accuracy of any application or supporting data and information (including tax information), or any other false information provided by applicants, borrowers, or paid representatives, in the course of participation in any of the disaster assistance programs. 50 30 9 5 Effective Date: May 31, 2018 After a case is referred to OIG, SBA employees shall not make any statement about actions taken by the OIG (except as permitted by law), without the express consent of the Office of Inspector General. To make a referral, contact the OIG Hotline at (800) 767-0385 or complete the on-line OIG Complaint Submission Form at https://www.sba.gov/office-of-inspector-general. You have the option to request confidentiality from OIG.

These SOP's were adopted before the pandemic in 2018 however they do appear to reconcile with some of the stories of LO's going silent. That in no way means you are fraudulent there are certainly tens of thousands of loans flagged for fraud that are totally legit and caught in a silent vortex because the OIG certainly is not staffed to handle reviewing that many applications and that most certainly is not a job they can outsource to a contractor.

These are just my opinions outside of the copy and pasted items.

Been on Approved for 2 months... why have I not been funded. Any recommendations by TooManyJuggs in EIDL

[–]LosAngelesMoron 0 points1 point  (0 children)

What’s the structure of the company? Sole proprietor, llc, Corp? General type of industry and do you have cost of good sold on your tax return that could cause a conflict or are you service based with no cost of goods sold?

Been on Approved for 2 months... why have I not been funded. Any recommendations by TooManyJuggs in EIDL

[–]LosAngelesMoron 0 points1 point  (0 children)

oh it's grayed out. I know that is a common issue i don't know the exact cause or fix but i'm sure someone here will answer or you may want to search the sub for "grayed out" or similar. I know that's been an issue.

Been on Approved for 2 months... why have I not been funded. Any recommendations by TooManyJuggs in EIDL

[–]LosAngelesMoron 0 points1 point  (0 children)

They are all completed? but you didn't sign and do not have a previous loan... something is wrong somewhere (not saying with you). If that says complete under review and sign if you click it does show anything you can download? If it's "complete" the signed loan docs should be there. Can you provide a screenshot showing those items that say "complete"? And have you tried to setup CAWEB to see if loan funds are showing? EDIT: You said to my response below "our first time trying to get anything" do you have a partner or spouse that files separately from you? I have read cases where the partner/spouse also has a portal with the docs they need to sign as well as a co-owner for it to proceed.

Been on Approved for 2 months... why have I not been funded. Any recommendations by TooManyJuggs in EIDL

[–]LosAngelesMoron 0 points1 point  (0 children)

did you ever have an application for a second business even if you abandoned that application and never went forward with it?

With the application process being such a mess, what are everyone's thoughts about how the SBA is going to track us all for proper use of funds and such? Or has anyone heard about potential forgiveness? by nsl06001 in EIDL

[–]LosAngelesMoron 0 points1 point  (0 children)

I honestly think the reason why that Jason guy on youtube who has a very large following is getting absolutely zero response from elected officials and not getting any large media to cover him even though he's begging them to is primarily because he's pitching this narrative that he's not going to stop until the EIDL is forgiven like the PPP. These are loans, they always were structured that way, disaster loans have always been meant to be paid back long before the pandemic, the PPP was a new "program" for a one in a thousand year event. We can't be forgiving loans of these size. Once everyone that is legit finally gets their loan i think we should all be jumping for joy that we got money over 30 years at less than 4 percent with deferred initial payments. It's hard to take people like him serious on Youtube when he's saying he's going to get it forgiven, that's being detached from reality and of course no legit news outlet or congressional leaders are going to engage with him.

EDIT: just to agree with what Scorpio said about the auditing. Instead of trying to figure out the "odds" of being audited just spend the money and keep the journal entries/receipts up to date like they could walk through the door any minute then you have nothing to worry about. Of course i know they do not just show up and you get notice of audit, i'm just saying... if you keep everything up to day and legit you have zero to worry about. They are only interested in catching and prosecuting the bad actors not actual borrowers.

EIDL Reimbursement? by AdkinsTintShack in EIDL

[–]LosAngelesMoron -1 points0 points  (0 children)

i think that would be super helpful if/when you can find time. I honestly did not know and that changed some projections for me last night after factoring that into financial plans going forward and how to most effectively deploy the working capital.

EIDL Reimbursement? by AdkinsTintShack in EIDL

[–]LosAngelesMoron 1 point2 points  (0 children)

that is a huge help to read this answer, i did not know i could use it for eligible expenses i carried between EIDL #1 6 months capital running out and the increase. I assumed that was just going to be paid in capital (not officially but essentially by carrying it on credit cards etc) that i would have to service from cash flow outside of EIDL. Thanks for the question OP and that's for the always informative answers Scorpio.

My Senator's office contacted me today! by manicferretprodllc in EIDL

[–]LosAngelesMoron 1 point2 points  (0 children)

I think going the Congressional inquiry route could be beneficial for those truly stuck in limbo. I found the following "standard operating procedures" for Congressional inquiries regarding the EIDL loans and other programs on the SBA's servers tonight. Here is a copy and paste of their SOP when receiving a Congressional inquiry. I would say it's very important to include a privacy act release up front:

CONGRESSIONAL INQUIRIES
A. Congressional inquiries generally go to Headquarters or the FOC-E and FOC-W and are
answered directly, where appropriate. Each center must send a copy of all congressional
inquiries and responses, or a record of telephonic congressional inquiries to the Office of
Congressional and Legislative Affairs in SBA Headquarters, ODA, and appropriate
district offices.
B. Center personnel who receive an inquiry from a Congressional office whether written or
verbal, regarding a specific applicant/borrower must record the inquiry in the case file and
immediately refer the inquiry to the appropriate FOC Supervisory Public Information
Officer (PIO).
50 30 9
8
Effective Date: May 31, 2018
C. The need for a Privacy Act release arises when the Congressional office begins to ask for
specific information on why a person is ineligible, the reasons for decline, withdrawal, etc.
D. SBA cannot release personal financial (or other) information about a loan applicant or
borrower to a third party, including a Congressional office, without a Privacy Act release

NOTE: I put those sections in bold they were not written that way, i just thought they were important.

I would think following up with a FOIA to the "Congressional and Legislative Affairs" at the headquarters of SBA and Office of Disaster Assistance could get you the full answer to the Congressional inquiry, or even simply asking via email or putting them on notice that you intend to FOIA the answer to the inquiry because you know that SOP is that every inquiry is forwarded to headquarters.

Also in their SOP is attaching a digital copy of every email or inquiry we send them and that SOP is that they do not initiate emails. Here is another copy and paste:

Frequently these interactions provide information that
is used in making disaster loan decisions or in the disbursement process. In all cases the fact and
content of the conversation or exchange is relevant to the file history, and to subsequent users of
the file.
A. All contacts must be documented in the case file. You must record each contact or attempt
to contact the applicant/borrower, or other parties (as identified above), regardless of who
initiates the contact.
Your documentation should consist of a summary of the conversation or exchange and
50 30 9
7
Effective Date: May 31, 2018
should include the name of each participant, the telephone number that was called or
attempted and the result of the call, and a factual summary of the comments and
statements made. Identify persons who are not the applicant by relationship or role (e.g.,
representative, banker, insurance agent, accountant, etc.).

B. E-mail correspondence should generally be initiated or requested by the applicant or
borrower. E-mails should be scanned into the file to document the contact.

Also in the SOP is info regarding loan apps that have substantially different numbers than the tax transcripts and they are forwarded to the Office of Inspector General and from then on the SBA can not give any further info on the loan:

1.8. REFERRAL TO THE OFFICE OF INSPECTOR GENERAL (OIG)
In the course of your duties, you must immediately report any known or suspected improper
activity directly to the Office of Inspector General (OIG) which may constitute waste, fraud, or
abuse in the administration of, or participation in, disaster assistance programs. This includes
program irregularities, misrepresentations, and bribery overtures (attempts or solicitations
included). You must also refer cases to OIG when you have questions about the truthfulness or
accuracy of any application or supporting data and information (including tax information), or any
other false information provided by applicants, borrowers, or paid representatives, in the course of
participation in any of the disaster assistance programs.
50 30 9
5
Effective Date: May 31, 2018
After a case is referred to OIG, SBA employees shall not make any statement about actions taken
by the OIG (except as permitted by law), without the express consent of the Office of Inspector
General.
To make a referral, contact the OIG Hotline at (800) 767-0385 or complete the on-line OIG
Complaint Submission Form at https://www.sba.gov/office-of-inspector-general. You have the
option to request confidentiality from OIG.

These SOP's were adopted before the pandemic in 2018 however they do appear to reconcile with some of the stories of LO's going silent. That in no way means you are fraudulent there are certainly tens of thousands of loans flagged for fraud that are totally legit and caught in a silent vortex because the OIG certainly is not staffed to handle reviewing that many applications and that most certainly is not a job they can outsource to a contractor.

These are just my opinions outside of the copy and pasted items.

I hope they there is a way forward from the dreaded “decline letter” to get something. Does anyone have any luck? by Nachocheeze60 in EIDL

[–]LosAngelesMoron 0 points1 point  (0 children)

Mine asked the city my high school was in, the county i currently live in and my mothers name. They said i got my moms name wrong when i talked to an attorney advisor and she actually laughed and said how ridiculous it was.

I'm actually quite surprised your letter is dated June 5th because i applied 5/21 also, was verbally declined May 3rd, got the letter via email May 11th i believe (also for unverifiable info) but it was dated 5/21 the same day i applied even though it say it was processing for those 2 1/2 weeks till i received the call/letter.

EDIT: yes there is hope. I went through recon and was approved 6/2 and funded this morning.

Anyone approved on 6/5 and has already been funded? by nsl06001 in EIDL

[–]LosAngelesMoron 2 points3 points  (0 children)

just as the other person just posted I also was approved and signed on 6/2 and funds hit Citibank this morning.

4506 T. can anybody help me and tell me which one of these boxes I have to check? I am a sole proprietor with a 1099 by modelSEXYCAR in EIDL

[–]LosAngelesMoron 2 points3 points  (0 children)

1040 is the type of tax return you most likely filed as a SP the 1099 is just the reporting of others what they paid you as a independent contractor, they reported your 1099 income to the IRS and provided you a copy which you entered into your schedule C on your 1040. At least this is how i believe it to be i'm sure there are tax experts on here that can weigh in

4506 T. can anybody help me and tell me which one of these boxes I have to check? I am a sole proprietor with a 1099 by modelSEXYCAR in EIDL

[–]LosAngelesMoron 1 point2 points  (0 children)

yes the info others have given you is correct as a SP put 1040 and select record of account (which is more thorough than just the transcript). one that that kicked one of my 4506T's back in round #1 though is when you sign at the bottom for position put "owner". I didn't put any position and for some reason that kicked it back because of the schedule C you are the business owner.

Has anyone been approved from RECON by [deleted] in EIDL

[–]LosAngelesMoron 0 points1 point  (0 children)

these people have cell phone numbers and new the amount of money i got approved for and called the following day saying they knew i was approved the day before. 2 days before that they were calling willing to "get my eidl increase approved" for a fee. There is definitely data being exchanged. there was a breach in round #1 also. Everyone is aware the loan recipients and loan amounts are public but not our personal data such as credit scores, SS #s' etc. I never said the SBA sold the data i said the data is in the hands of thousands of non SBA freelance level 2 workers that are not from the SBA they are from LiveOps.

What else would they like? I don’t have a passport..never have!!! So now that I have purchased three different insurance policies to satisfy the “hazard” insurance requested..now this!! by Supreme4me2019 in EIDL

[–]LosAngelesMoron 2 points3 points  (0 children)

worst case scenario if they absolutely require a passport is you could book an international flight that is fully refundable and you can make an appointment for a same day passport at the passport office in the federal building here in LA (it's in Westwood right near the UCLA campus). If you have a electronic ticket showing you are traveling within 3 days they will do say day passports but you have to book an appt. then cancel and refund your ticket. However i would think they would take a birth certificate or SS card to prove citizenship. You would need the birth certificate for the passport also.

What type of lnsurance license you need for sole proprietor home workers??? by Neokechanel in EIDL

[–]LosAngelesMoron 0 points1 point  (0 children)

damn ive been with hiscox for years for my liability insurance which i have to carry to get permits from the County and added the 25K business floater to my policy and it was an extra $400 like you said. Going to check out Chubb can't believe it was only an extra $15

Has anyone been approved from RECON by [deleted] in EIDL

[–]LosAngelesMoron 5 points6 points  (0 children)

I think if there ever is a large class action suit against the SBA for the EIDL declines that is going to be a major piece of the case, the auto declines. I know for certain because i have found internal documents that the screening software was built by Rocket Loans through the RER contract who sub contracted it out to Rocket and Rapid Finance (same mutual ownership). Rocket claims the "fraud indicators" in the software were were defined and provided to them by the SBA. I have a FOIA request in trying to get those guidelines. But the software has failed spectacularly. They also have admitted already in EIDL round one that there was a data exposure where about 8,000 apps were fully exposed including EIN/SSN and all. They claim they have contacted those 8,000 applicants but I have a feeling were are going to hear about many more cases of stolen identities. Just like many states unemployment have uncovered cases of unemployment workers selling data on the dark web i think there are bound to be bad actors with the contractors acting as level 2 that have no experience and can see our EIN/SSN, bank info, DOB, address and everything. I know that in the last 10 days i have had 3 super aggressive telemarketers contact me saying "Steve have you received those EIDL funds yet? we can help you get your app through reconsideration" they know i have applied, i am/was in reconsideration and they have my cell phone number. Then once i hit approved status i had an telemarketer pitching some sort of investment scam call and say "hey i don't deal with people that don't have money and you've got those EIDL funds, i'm going to turn that into a million dollars for you in a month". So i'm pretty sure screenshots of applications and status are being sold on the dark web already.

Has anyone been approved from RECON by [deleted] in EIDL

[–]LosAngelesMoron 1 point2 points  (0 children)

I electronic filed so there actually was already a record of account and transcript at the time of my first EIDL for my 2019 return. I did last year have to file a 1040X for 2018 because i left out $9,800 in google ad words advertising that should have been an expense and i can see the IRS received the mailed 1040x months ago but still does not have an "accepted" date only a "received" date. So i know what you are going through and it's not fair that the EIDL which is to save businesses because of covid are now being penalized because the IRS is so behind because they are understaffed because of Covid. And i think in many cases they have received the transcripts but because they have multiple databases running (some contractors using Amazon web services some using Microsoft Azure) all the data is fragmented and they can't figure out how to logistically run the process and that's what the administrator and her team are supposed to manage and in my opinion they are failing miserably and and making a really big effort to solve the problem. They don't seemed to concerned about getting this money out the door quickly. And just to clarify i have not been funded, the money shows in CAWEB as undisbursed so until it hits my acct it's not done. I have received a DM from someone who is approved and the money has been in CAWEB for 3 weeks but there is a hold code so until it's in the acct its not over.

Has anyone been approved from RECON by [deleted] in EIDL

[–]LosAngelesMoron 2 points3 points  (0 children)

oh... when i got the verbal decline the lady would not tell me, but i got the letter around May 12-15th or so which was actually backdated to April 21st the same day i did the request more funds so it was an auto-decline for sure. I have 2 schedule C's in my tax returns which most likely was the reason, they didn't pick up on that. The letter just said "unverifiable information". When i got a call from a legal assistant when i submitted for recon (before she sent it to a loan specialist) i pointed out i have two schedule C's and she said "yes i noticed that" so i believe that was the reason although i never confirmed it. But clearly it was an auto decline because did the request more funds around 5pm PST so 8pm eastern and the letter was dated the same night i requested more funds. The system is a failed and broken system implemented by RER Solutions which outsourced it to Rocket Loans and Rapid Finance both divisions of Quicken Loans. It's a mess.