topic Re: SURPRISE...Victoria Secret HP in Credit Card Applications

SURPRISE...Victoria Secret HP

LifeSAVERS — Tue, 03 Feb 2015 00:31:38 GMT

As it is my one year with VS phone this weekend to see if they had any offers for an increase. Told that I had great payment history and appreciated how I handled my account for the past year, but there was a fraud alert on my account popping up on the accout. She checked my other 2 accounts with Comenity Bank and stated they both reflected it. I told her that none of my monitoring services for all 3 CRA show a fraud alert. She said a supervisor would call me in the next 5-7 days to discuss it further.

I checked all CRs - no fraud alerts open, talked with EQ about open dispute status and asked if they had any fraud alert on my account, they said no.

Received new VS Forever card in mail today, called to register, asked if they showed a fraud alert on my account, they said they would have to transfer me to fraud/acct protection dept. Spoke with F/AP dept, she said that she could not see anything on my account, after talking a bit, she said that it would have to be on one of my credit reports, I told her that I had checked and not the case. She than said they are not allowed to tell us if they see a fraud alert on a CR as they can not always be sure who they are talking to. But that she said I definately should contact the CRAs...not which one, but that was all she was allowed to tell me!

Paid for new reports on myFICO for EQ and EX - EX has a HP from Comenity Bank/VS dated today! WTH!!

Called VS number on back of card, the fellow I spoke with said he could see that their "Fraud Dept" pulled a HP of my CR. Not discussed, not approved...?

Called the F/AP Dept again, was told that they could not see that information and would get a supervisor on the phone...holding for over 25 minutes.

Just got off the phone with a supervisor. She said that a request for a CLI will cause a hard pull. I said that the fraud dept pulled the CR without conversation regarding CLI or that it would occur. She said she will research and get back 2 me about having the inquiry removed and talk to the person who pulled it to train them on listening to the customer better!?? I asked her why it would take 2 weeks and alot of hesitation in responding, apparently she had to check with someone else or "the book" to see how best to respond.

As I understand from all the discussions here, VS is a SP for CLI?!

Will see what happens and update, but I did not think your credit report could be HP without discussion or verbal approval?

So...How is everybody elses's Monday going!

Re: SURPRISE...Victoria Secret HP

Anonymous — Tue, 03 Feb 2015 00:40:57 GMT

Ouch!

Re: SURPRISE...Victoria Secret HP

dobirdsmommy — Tue, 03 Feb 2015 00:54:19 GMT

My first CLI request with VS was a hard pull. Fine print says they can. They HP my EX. After that all softs. I have had the card just short of 2 years. Only HP was the first CLI.

Re: SURPRISE...Victoria Secret HP

Anomalous — Tue, 03 Feb 2015 00:57:40 GMT

Not nice!

It seems like this fraud issue with Comenity is becoming common when one has multiple accounts. This is like the third post I've read regarding that. Not sure what it's really all about.

Re: SURPRISE...Victoria Secret HP

Creditaddict — Tue, 03 Feb 2015 01:01:02 GMT

they are really a disaster if you have to talk to them... I can't believe they are not only still in business but seem to be picking off Sync Cards left and right and thriving but they are IDIOTS... untrainded idiots but none the less a DISASTER of epic size... ALWAYS!

I just try not to talk to anyone at the company, I do everything on line and cross fingers I never have to call.

Re: SURPRISE...Victoria Secret HP

Anonymous — Tue, 03 Feb 2015 02:18:29 GMT

I chose the Comenity bank cards because they were supposed to be soft pulls. I have 8 credit cards. 7 are Comenity. Most cobranded with Visa and mC. I now have 9 hard pulls on my Equifax. That's why I am in the garden for 2 years while I add money to my 7 bank accounts.

Re: SURPRISE...Victoria Secret HP

Anonymous — Tue, 03 Feb 2015 02:25:18 GMT

@dobirdsmommy wrote:
My first CLI request with VS was a hard pull. Fine print says they can. They HP my EX. After that all softs. I have had the card just short of 2 years. Only HP was the first CLI.

Oh gosh I sure hope they don't HP. I just had a VS CLI yesterday among some of my other Comenity cards.

Re: SURPRISE...Victoria Secret HP

TravellingNomad — Tue, 03 Feb 2015 02:49:37 GMT

Well i guess we all now know Victoria's secret...its HP on cli's!!

But in all seriousness...although there are info as far as cli is only SP for a particular lender, always think that you might end up with a HP. If you think you can live with it being a possible HP, then go for it. If not...then maybe put it off for another time.

Re: SURPRISE...Victoria Secret HP

Creditaddict — Tue, 03 Feb 2015 03:55:30 GMT

If you don't talk to people that don't know what they are doing you won't get a hp via online button or automated phone system for any Comenity card. Period

Re: SURPRISE...Victoria Secret HP

Anonymous — Tue, 03 Feb 2015 04:28:41 GMT

Boy, can I appreciate what you went through with Comenity. Their Fraud department is a fraud. They have no idea of which they speak, and because of them I've had two of my cards (Total Rewards & Virgin America) temporarily closed, because of some invisible fraud, they could never explain. Their Supervisers are a joke. I know more about credit and fraud then they ever will, which doesn't make me sleep better, or trust their knowledge, and that's not how it should be. Good luck to you.

Re: SURPRISE...Victoria Secret HP

dobirdsmommy — Tue, 03 Feb 2015 13:14:13 GMT

@Creditaddict wrote:
If you don't talk to people that don't know what they are doing you won't get a hp via online button or automated phone system for any Comenity card. Period

Not True

My first CLI was online! It was a HP I was notified by Experian. Pretty upset when I called the Credit analyst and they said read our paperwork it says we can HP at anytime for CLI; and she was right!

Re: SURPRISE...Victoria Secret HP

gwizdak24 — Tue, 03 Feb 2015 17:23:37 GMT

Interestingly when you attempt for a credit limit increase online it requires you enter your income and then their is a box to check that says "I give Comenity Bank consent to access my credit bureau report to determine whether I qualify for a credit limit increase". That screams potential hard pull to me. Makes me weary to even attempt for a cli.

Re: SURPRISE...Victoria Secret HP

Creditaddict — Tue, 03 Feb 2015 17:44:22 GMT

@gwizdak24 wrote:
Interestingly when you attempt for a credit limit increase online it requires you enter your income and then their is a box to check that says "I give Comenity Bank consent to access my credit bureau report to determine whether I qualify for a credit limit increase". That screams potential hard pull to me. Makes me weary to even attempt for a cli.

is this the victoria secret? maybe this card they do hp's some of the time... none of my other cards have this box and i don't get any warning over phone and I have never seen a hp after approval for my cli's but i never talk to reps either or get this box to check.... that box does sound like a hp

Re: SURPRISE...Victoria Secret HP

gwizdak24 — Tue, 03 Feb 2015 18:42:23 GMT

Yup V.S. I just checked online and the box was there. I also checked Express and Overstock. No box.

Re: SURPRISE...Victoria Secret HP

Anonymous — Tue, 03 Feb 2015 18:45:44 GMT

@Creditaddict wrote:
@gwizdak24 wrote:
Interestingly when you attempt for a credit limit increase online it requires you enter your income and then their is a box to check that says "I give Comenity Bank consent to access my credit bureau report to determine whether I qualify for a credit limit increase". That screams potential hard pull to me. Makes me weary to even attempt for a cli.
is this the victoria secret? maybe this card they do hp's some of the time... none of my other cards have this box and i don't get any warning over phone and I have never seen a hp after approval for my cli's but i never talk to reps either or get this box to check.... that box does sound like a hp

Never had a box to "check" off either. Only a box to enter income.

Re: SURPRISE...Victoria Secret HP

gwizdak24 — Tue, 03 Feb 2015 18:47:43 GMT

can someone log in and see if the box is there? maybe its me? maybe because I never did ask for a CLI before.

Re: SURPRISE...Victoria Secret HP

Anonymous — Tue, 03 Feb 2015 22:41:17 GMT

@gwizdak24 wrote:
can someone log in and see if the box is there? maybe its me? maybe because I never did ask for a CLI before.

Only the box for income for me, nothing stating there may be a hard pull. This is for Victoria's Secret and Avenue.

Re: SURPRISE...Victoria Secret HP

Anonymous — Tue, 03 Feb 2015 22:45:12 GMT

As much as I hate to say it..

You ARE asking for more credit and it IS a permissible use of an HP.

Re: SURPRISE...Victoria Secret HP

gwizdak24 — Wed, 04 Feb 2015 01:36:56 GMT

This is what I'm referring to. If anyone can see it.

Re: SURPRISE...Victoria Secret HP

Anonymous — Wed, 04 Feb 2015 16:37:40 GMT

@gwizdak24 wrote:
This is what I'm referring to. If anyone can see it.

I see what you're referring to and it looks like you were logged in on a mobile device. Even when I log on from my cell there's no other box than the income box, nothing to check off. I've never seen the checkoff box on my account. I've had it since Sept 2013.