topic Re: Citibank - multiple credit pull - please help in Credit Cards

Citibank - multiple credit pull - please help

Anonymous — Sat, 23 Apr 2011 18:04:49 GMT

Hello All,

I have a few questions and I was wondering if someone could advice course of action and or insight why citi is pulling my credit multiple times:

i went to Citibank on March 19th to open a new checking account and from the pressure of the banker I put in an application for student forward - I got declined and there was an error on my credit report. I contacted Experian and got the error deleted and sent the updated credit report to Citi and they pulled my credit report again on 4th of april - ok understood they had to verify that experian indeed deleted the account in question.

Fast forward to a week later and I receive a request to sign and send back a 4506T for tax returns. At this point I was fed up and withdrew my application. I notice on 17th april they pull my credit report again and called back Citi. Spoke to someone and they could not see this pull, however, I got an email from Citi saying that I withdrew my applications so no more need for a credit check.

4 days after cancelling the application (april 22nd) they pull my exprian yet again. I have withdrawn my app and have an email confirmation so why do they keep pulling my CR? How do I make them stop and how do I dispute these inquries?

Anyway, I get alerts from Idintegrity from Penfed and this is how I know they have pulled my cr 4 times since putting an app in and 2 of which should not even be because I cancelled my app...

Any advice?

Thanks and sorry for the long post.

Re: Citibank - multiple credit pull - please help

Anonymous — Sat, 23 Apr 2011 18:23:57 GMT

@Anonymous wrote:
Hello All,

I have a few questions and I was wondering if someone could advice course of action and or insight why citi is pulling my credit multiple times:

i went to Citibank on March 19th to open a new checking account and from the pressure of the banker I put in an application for student forward - I got declined and there was an error on my credit report. I contacted Experian and got the error deleted and sent the updated credit report to Citi and they pulled my credit report again on 4th of april - ok understood they had to verify that experian indeed deleted the account in question.

Fast forward to a week later and I receive a request to sign and send back a 4506T for tax returns. At this point I was fed up and withdrew my application. I notice on 17th april they pull my credit report again and called back Citi. Spoke to someone and they could not see this pull, however, I got an email from Citi saying that I withdrew my applications so no more need for a credit check.

4 days after cancelling the application (april 22nd) they pull my exprian yet again. I have withdrawn my app and have an email confirmation so why do they keep pulling my CR? How do I make them stop and how do I dispute these inquries?

Anyway, I get alerts from Idintegrity from Penfed and this is how I know they have pulled my cr 4 times since putting an app in and 2 of which should not even be because I cancelled my app...

Any advice?

Thanks and sorry for the long post.

I would contact them and ask to speak to someone more then just a customer service rep. Explain what is happening with them repeatedly checking your credit after you have cancelled your application. Hopefully they will recode the INQ to be a soft pull instead of a hard pull which should be enough to clear up any other creditors from seeing them.

If nothing is resolved at this level I would start working my way further up the chain of authority until you receive some type of results that you are satisfied with.

Good Luck

Re: Citibank - multiple credit pull - please help

Anonymous — Mon, 25 Apr 2011 17:44:58 GMT

bump

any other insights?

Re: Citibank - multiple credit pull - please help

aftermath — Mon, 25 Apr 2011 18:23:55 GMT

No other insight needed. Just do as the poster said above. Contact someone high up the chain. Those frontline CSR's don't always know what they're talking about.