[abfunders]

from what I understood from the last thread it sounded like the merchant received the offer form the bank. In these situations I have seen more often then not the bank is at fault so until I see something to show me otherwise i think they probably did backdoor the deal

John, if the funder sent the approval to the merchant, why would they include an up-sell?
And if they actually did send it there, then it was clearly a complete computer error.

Submissions numbers are different, BTW?
Which email came first - the approval or the denial email? Do you know how many times have I gotten an approval, that final underwriting denied?