Advice Needed: Sync app missing but hard inquiry

[Aspireto850]

Happy Labor Day,

I submitted an online app for the Pay Pal MC and got the 7-10 day message. I called backdoor number the next day and spoke with about 7 agents in UW and CS and they’re unable to find my application. They say there is no record but I have a hard inquiry on my report. Heck, I don’t want the inquiry w/o the app. Any suggestions on where else I can call or how to get the inquiry removed? I know EQ will tell me to get letter from Sync bank and they’re telling me they cannot produce letter since they can’t find application! Any thoughts...

[Meanmchine]

File a complaint

https://www.consumerfinance.gov/

The Consumer Financial Protection Bureau is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

[FinStar]

OP, this is likely pulling the trigger a little bit too early in the process even by any CFPB standards suggested above.

Honestly, depending where your application was processed, the agents you spoke with (even if you used a backdoor number) may not necessarily have access to the application, unless you were given a (1) reference number when the application went pending and (2) a direct number to contact them.

Wait for the letter since there's no possible way to get a HP without an application on record. These things just don't materialize from thin air. Unfortunately, if you legitimately applied for the card, then the HP cannot be removed.

[Aspireto850]

Fair point! I will wait for the letter, provided I receive one, and go from there.

Thanks

[FinStar]

Lenders are required to provide you correspondence within a reasonable timeframe depending on whether it's AA (i.e. declined) or approved.

So, before hitting up the agency, let the process take its course. Hopefully, the 7-10 day response may yield something favorable.

[staticvoidmain]

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@Aspireto850 wrote:
Happy Labor Day,

I submitted an online app for the Pay Pal MC and got the 7-10 day message. I called backdoor number the next day and spoke with about 7 agents in UW and CS and they’re unable to find my application. They say there is no record but I have a hard inquiry on my report. Heck, I don’t want the inquiry w/o the app. Any suggestions on where else I can call or how to get the inquiry removed? I know EQ will tell me to get letter from Sync bank and they’re telling me they cannot produce letter since they can’t find application! Any thoughts...

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It should have given you a Application Reference Number right after you applied online, with a number to call. It should have also been emailed to you. (I am currently looking at mine.)