Virgin America - comenity

[FinStar]

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@12njoy wrote:

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@sandman2435 wrote:

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@12njoy wrote:

UNBELIEVABLE!!!!  I got my denial letter today from Comenity.  I was denied due to too many inquiries (7).  I called to ask for reconsideration.  CSR stated that due to a 2003 BK they can't approve me EVER.  She said that due to the BK they will be unable to ever approve me.  My score was 980 on their scale of 1-999.  All I can say is UNBELIEVABLE again.  Oh well, I got my two Capital One cards in the mail right along with my denial letter from Comenity.  That lessened the bite a little  Now I know never to submit another Comenity application.

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I have 2 Comenity accounts: Virgin America and total rewards,I can't seen to get anymore with them,I got a 997 out of 999 and still got turned down for their other cards,Their recon dept is a joke,When asked how many Inq's are allowed: the response I get is,Its up to the credit breau's,what a dumb response

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With this experience, I don't regret closing that Meijer store card when they bought the account from GE.  It was heading no where.

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I closed my Meijer MC a month prior to Comenity taking over since I didn't find it as useful anymore.  IMO, I wouldn't sweat the Virgin America decline, although I'm wondering why they are citing BK, especially since it's been over 10 years and no longer on your CRs!  Did you IIB any Comenity accounts?  At any rate, if you REALLY want the card, just wait it out a few months until those inquiries no longer become a factor.

[12njoy]

No IIB any comenity accounts. I'm done applying for their cards. I found the address to the president of the bank. I'm shooting off a letter and if that doesn't help, I t's a done deal. They must check the national bk records since it can't be on my credit file even though that's what they said.

[B335is]

Comenity CSRs are hands down the least empowered bank employees anywhere. You better hope the Comenity computer spits out a favorable decision or else it's like pulling teeth.

[Anonymous]

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@B335is wrote:
Yeah their reconsideration is mind boggling. I got an AKC card overturned after they hard pulled EQ but denied me because EX was on freeze. I called the EO number and explained to the CSR. I tried on my first Virgin America denial (cited for the same reason) and the EO told me EQ and EX talk to each other so it was denied. I don't know where they get their information. I filed a complaint with CFPB out of anger and they turned it over to the FCC. They did remove the inq though.

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Sorry to zombie this thread, but this seems to be my exact situation. I applied on Sunday for a Virgin America card for the 30k offer on the premium version with zero inquiries on my EQ. I assumed I'd get an instant approval, but got the 7-10 day message.

My EX is frozen through the end of the year so I can ensure no EX inquiries while I half garden. I figured since Comenity pulls EQ it wouldn't matter, but your experience is that they'll deny if EX is frozen even though they hard pull EQ. Is that right, B335is? What a stupid policy if so.

[CreditCuriosity]

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@Anonymous wrote:

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@B335is wrote:
Yeah their reconsideration is mind boggling. I got an AKC card overturned after they hard pulled EQ but denied me because EX was on freeze. I called the EO number and explained to the CSR. I tried on my first Virgin America denial (cited for the same reason) and the EO told me EQ and EX talk to each other so it was denied. I don't know where they get their information. I filed a complaint with CFPB out of anger and they turned it over to the FCC. They did remove the inq though.

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Sorry to zombie this thread, but this seems to be my exact situation. I applied on Sunday for a Virgin America card for the 30k offer on the premium version with zero inquiries on my EQ. I assumed I'd get an instant approval, but got the 7-10 day message.

My EX is frozen through the end of the year so I can ensure no EX inquiries while I half garden. I figured since Comenity pulls EQ it wouldn't matter, but your experience is that they'll deny if EX is frozen even though they hard pull EQ. Is that right, B335is? What a stupid policy if so.

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When I got the pre-qual pop-up initially I saw a SP on my EXP report from them, which I found weird.. Although the approval is based off EQ, they do indeed talk with Experian in some way.  I don't think it is a HP against the EXP if you actually apply and get approved it would be a EQ HP, but EXP plays some role in it.. It was a weird SP as well on Experian It was something like Comedity-Something that didn't sound like Virgin America, maybe a 3rd party vendor?  Dunno..

[Anonymous]

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@CreditCuriousity wrote:

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@Anonymous wrote:

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@B335is wrote:
Yeah their reconsideration is mind boggling. I got an AKC card overturned after they hard pulled EQ but denied me because EX was on freeze. I called the EO number and explained to the CSR. I tried on my first Virgin America denial (cited for the same reason) and the EO told me EQ and EX talk to each other so it was denied. I don't know where they get their information. I filed a complaint with CFPB out of anger and they turned it over to the FCC. They did remove the inq though.

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Sorry to zombie this thread, but this seems to be my exact situation. I applied on Sunday for a Virgin America card for the 30k offer on the premium version with zero inquiries on my EQ. I assumed I'd get an instant approval, but got the 7-10 day message.

My EX is frozen through the end of the year so I can ensure no EX inquiries while I half garden. I figured since Comenity pulls EQ it wouldn't matter, but your experience is that they'll deny if EX is frozen even though they hard pull EQ. Is that right, B335is? What a stupid policy if so.

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When I got the pre-qual pop-up initially I saw a SP on my EXP report from them, which I found weird.. Although the approval is based off EQ, they do indeed talk with Experian in some way.  I don't think it is a HP against the EXP if you actually apply and get approved it would be a EQ HP, but EXP plays some role in it.. It was a weird SP as well on Experian It was something like Comedity-Something that didn't sound like Virgin America, maybe a 3rd party vendor?  Dunno..

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Yeah, that sounds strange all around. Perhaps that is their way of getting a look at more inquiries without having to pay for IDA/SageStream and/or ARS reports.

[12njoy]

FYI,

I wrote a letter to the President of Comenity for reconsideration.  My letter was forwarded to some department who stated that they sent it for a 2nd review which was denied.  It sounds possible to recon Comenity.  I'll never app again since I was told that my decades old BK stopped me.

[Anonymous]

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@Anonymous wrote:

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@B335is wrote:
Yeah their reconsideration is mind boggling. I got an AKC card overturned after they hard pulled EQ but denied me because EX was on freeze. I called the EO number and explained to the CSR. I tried on my first Virgin America denial (cited for the same reason) and the EO told me EQ and EX talk to each other so it was denied. I don't know where they get their information. I filed a complaint with CFPB out of anger and they turned it over to the FCC. They did remove the inq though.

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Sorry to zombie this thread, but this seems to be my exact situation. I applied on Sunday for a Virgin America card for the 30k offer on the premium version with zero inquiries on my EQ. I assumed I'd get an instant approval, but got the 7-10 day message.

My EX is frozen through the end of the year so I can ensure no EX inquiries while I half garden. I figured since Comenity pulls EQ it wouldn't matter, but your experience is that they'll deny if EX is frozen even though they hard pull EQ. Is that right, B335is? What a stupid policy if so.

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Just following up on this in case anyone is planning to apply for one of the the Virgin America cards. I received my denial letter and I was given the following reason:

"The credit reporting agency advised us that a security/credit freeze was placed on your report. Unfortunately, due to the freeze on your credit bureau report we were unable to verify your credit history with other credit grantors."

It says I can dispute the matter with EQ. Of course, there is nothing really to dispute with them because my EQ is definitely not frozen. My EX is frozen. Should I call Comenity or EQ to get this inquiry removed? Technically I applied for credit, but clearly my report isn't frozen otherwise there would be no hard inquiry! So frustrating.

[tonyjones]

Interesting they gave you that reason. I had 6 derogs on my report and they still approved me for this card right after applying for the Total Rewards lol

[B335is]

Comenity has always denied me with EX frozen, even with a EQ hard pull. Their CSRs do not know the difference between hard and soft pulls and EX and EQ. It's all the same to them. I got AKC and Marathon overturned by calling the EO number and there was one CSR there who actually understood what happened. Everyone else is oblivious, so sorry to be blunt but dealing with them was beyond frustrating.