Three rejections. One deadline. No defensible explanation.
A modification package has been rejected three times for "insufficient income documentation." The processor insists the document was attached every time. Leadership wants an answer before end of day.
📂
Case CM-3147
You don't have to decide who made the mistake. You have to find the explanation that fits everything you can observe. The case file will guide you through each piece of evidence in turn.
3Rejections
1Day left
HighBorrower impact
Submission history
Reconstruct what happened.
Drag the three attempts into the order they occurred. Look for what changed between them — and what didn't.
Attempt 1 goes here
Attempt 2 goes here
Attempt 3 goes here
What's your working theory so far?
Pick the explanation that feels most likely right now. You can change your mind later.
Case correspondence
Ask the right questions.
Choose any three questions. Read every answer carefully — people rarely lie, but they don't always tell you the whole picture.
0 of 3 questions asked
Document comparison
Look closely. Something is different.
This is the same document, kept in two places. Tap directly on any field in the submitted copy that looks different from the original.
ORIGINAL · KEPT BY PROCESSOR
Income VerificationRef# 88213-C
Meridian Retail Group
Assistant Manager
$4,120.00
Bi-weekly
(555) 042-7761
Jun 14
SUBMITTED · RECEIVED BY QC
Income VerificationRef# 88213-C
Meridian Retail Group
Assistant Manager
$4,120.00
Bi-weekly
(555) 042-7761
Jun 14
Found 0 of 2 fields that look different.
Switch views
The same file. Two very different reactions.
Here is what a person sees, next to what QC's system told them. Then check what the system recorded underneath — nobody normally looks here.
HUMAN VIEW · WHAT ANYONE OPENING THE FILE SEES
The document opens normally. All fields are present and look readable.
QC VIEW · WHAT THE REVIEWER SAW
Rejection reason: "Insufficient income documentation — unable to verify."