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First American Bank Closed my Equality Visa!!!

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Ron1
Super Contributor
‎06-22-2015 05:25 AM
‎06-22-2015 05:25 AM

First American Bank Closed my Equality Visa!!!

I used my card to order something online and I got denied. I called the customer service. They told me my account was closed. They didn't know the reason. 

 

 

Ron.

Message 1 of 14
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13 REPLIES 13
SunriseEarth
Moderator Emeritus
‎06-22-2015 05:32 AM
‎06-22-2015 05:32 AM

Re: First American Bank Closed my Equality Visa!!!

@Ron1 wrote:

I used my card to order something online and I got denied. I called the customer service. They told me my account was closed. They didn't know the reason. 

 

 

Ron.

That's bizarre.   You may want to get in touch with the bank CEO.   I've heard he's been quite helpful for other members.  Good luck!



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 2 of 14
Mailak
Frequent Contributor
‎06-22-2015 05:33 AM
‎06-22-2015 05:33 AM

Re: First American Bank Closed my Equality Visa!!!

I just don't get why these people don't even bother to inform people when they close an account. If not a snail mail letter, then an e-mail or a text alert would suffice.

PenFed Platinum Cash Rewards (19.5k), Amex BCE (9k), Chase Sapphire Reserve (30k), Chase Freedom Unlimited (14.5k), Chase Marriott Premier (19k), Discover More (10k)
Message 3 of 14
Ron1
Super Contributor
‎06-22-2015 05:34 AM
‎06-22-2015 05:34 AM

Re: First American Bank Closed my Equality Visa!!!

Now I am talking to the credit dept. They put me on hold.

 

 

Ron.

Message 4 of 14
chalupaman
Super Contributor
‎06-22-2015 05:42 AM
‎06-22-2015 05:42 AM

Re: First American Bank Closed my Equality Visa!!!

How long ago did you get approved? Maybe they are tightening their standards on this card.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 5 of 14
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Ron1
Super Contributor
‎06-22-2015 05:51 AM
‎06-22-2015 05:51 AM

Re: First American Bank Closed my Equality Visa!!!

@chalupaman wrote:

How long ago did you get approved? Maybe they are tightening their standards on this card.

It was two weeks ago. I talked to them. They wanted me to fax them DL and bank statement to verify ID. I wait for 48 hrs to check the status. Why did they approve me to start with?

 

 

Ron.

Message 6 of 14
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Anonymous
Not applicable
‎06-22-2015 08:53 AM
‎06-22-2015 08:53 AM

Re: First American Bank Closed my Equality Visa!!!

Thats odd.

Message 7 of 14
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celluloid17
Established Contributor
‎06-22-2015 09:30 AM
‎06-22-2015 09:30 AM

Re: First American Bank Closed my Equality Visa!!!

@Mailak wrote:

I just don't get why these people don't even bother to inform people when they close an account. If not a snail mail letter, then an e-mail or a text alert would suffice.

I never understood this either.  It certainly doesn't engender any positive feelings towards the issuing bank if you're attempting to use a card that gets declined and thus have to deal with the subsequent embarrassment.  

 

 

It's ironic that this would happen during Pride week.  Good luck Ron1 and keep us posted...

 

 

Message 8 of 14
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B335is
Moderator Emeritus
‎06-22-2015 09:40 AM
‎06-22-2015 09:40 AM

Re: First American Bank Closed my Equality Visa!!!

Sorry to hear Ron. It sounds like my BBVA ordeal. I also think you should email the CEO since he's been great with answering any questions I've had.
Message 9 of 14
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TRC_WA
Senior Contributor
‎06-22-2015 11:48 AM
‎06-22-2015 11:48 AM

Re: First American Bank Closed my Equality Visa!!!

Just a DL and bank statement?

 

Phew... for a minute there I was thinking someone did a manual review and didn't like all the accounts.

FICO8 current as of : 4-17-24 EQ: 724 TU: 707 EX: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24
Message 10 of 14
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