07-20-2011 08:59 PM
hi got approved for bank of america card on july 15 called and verified information was approved for 2000, was told my card was mailed out on the 18, today i checked my account was closed i got transfered to a credit anaylst whos handling the account was told that i got 3 new inquires thats why after reconsider they closed my account. i explanied that i applied for a car loan at dealrship still no budge. anyone think of anything i can do, the account wasnt even open for a week and the cards are mailed out doesnt make since. is there anywhere i can call everytime i call the credit department they refer me to the same anyalist. the same deaprtment. thanks
07-20-2011 09:11 PM
yes i did today they keep giving a new number to call or transfer there to 866-297-9257, and the same person ends up picking up, b/c when i ask them what happen they tell me you need to speak to your credit anyalist. funny things is its allready on my experian report as open, and when i check the application status it says approved for 2000. and the cards mailed out doesnt make sense.
07-20-2011 09:16 PM - edited 07-20-2011 09:17 PM
Try back during typical business hours in US Eastern time, and politely and repeatedly ask to be escalated to a credit analyst.
Computer programs often make these decisions, and they don't know how to (or aren't programmed to) recognize auto loan app inquiries. It's just something programmed in to the software to catch people on mad app sprees who might be in desperate financial waters and are trying to run up a bunch of charged expenses and then default.
Once you finally get to credit analyst level, tell them which inqs are auto loan-related. They should understand what's happening, and if not, you can tell them about how common this is.
It's one thing to go berserk applying for new CC's, but presumably you weren't out trying to buy three new cars. Good luck!
07-21-2011 12:46 PM
just got off the phone with bank of america, called 3 times spoke to 3 differnt supervisors, they changed there story today was told do to the privacy act the wont disclose the reason that becuase at my address i have family member that defaulted in bank of america card in the past they wont offer me the card anymore. i explained to 3 differnt supervisors thats not fair there not on my credit i have good credit with 0 negative marks ever still they refused and kept replying do to your household. now the account shows on experian opened closed from bank of america for less then a day. i asked them to remove the account off my file they refused i filed a complaint with the bbb, does anyone think i have a chance? to get this account off my file. its really messed up there holding othere peoples info at the address to refuse credit to others thanks
07-21-2011 07:11 PM - edited 07-21-2011 07:16 PM
contact corporate office in NC
explain your story they will put you in touch with someone who overules all the decisions at bofa.
they closed my acct one time then a month later i found this number and called and got it reopened.
however, bofa close my account again about a year later. i cant with them..lol so i left it closed the last time
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