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In with DCU finally-Frozen-then released for use-then closed and reopened

donny10
Senior Contributor

Re: In with DCU finally

I am very sorry for this happening to you. I wasn't aware they do alot of AA on existing accounts. I will have to search the forum and research that one...
Message 41 of 139
humuhumunukunukuapuaa
Senior Contributor

Re: In with DCU finally


@12njoy wrote:

FIASCO FIASCO.  Called to close membership and visa card.  Asked them to remove 2 inq's and they refused.  Then they came back and said rewards card is declined and were closing the approval from yesterday because it was never reviewed by a loan officer.  I said it was reviewed by a loan officer as the rep told me so when she put me on hold.  They come back and said ok were going to freeze the account and have management look at it on Monday.  Someone will call you on Monday about account.  At this point, a CFPB complaint is forthcoming.  The simple fact that I'm being told that a loan officer didn't review it when I know for a fact that it was reviewed.  The fact that now they want to review the process tells me that they know it was reviewed.  I will be doing CFPB, BBB and state AG office.  This has been one giant fiasco.  Each time I called in asking about the Rewards card (they kept me on hold for 20 minutes so I called back in) they put in a new application without my knowledge.  All this for $7,500 I don't think so.  I'll wait on my next cli with BofA in the next 1-2 months.  That'll get me where I want to be.  Still only two pulls (EQ/TU) but I want them both removed and then they can close the account in full.  If a MOD can move this to applications, that would be greatly appreciated.  Thank you.


Sorry to hear about this 12, What a headache for you and a mess - and of their doing, not of yours. You've been clear and communicative with them throughout the process.



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Message 42 of 139
12njoy
Super Contributor

Re: In with DCU finally


@donny10 wrote:
I am very sorry for this happening to you. I wasn't aware they do alot of AA on existing accounts. I will have to search the forum and research that one...

Thanks.  It comes with the territory.  I really don't think it was the AA for the other application.  I think it was because I called a few times after they didn't know what to do.

Profile Worth 1.2M+ (Just 1 store only card/PayPal Credit @5.5k)
___________ 12Njoy
Message 43 of 139
12njoy
Super Contributor

Re: In with DCU finally


@humuhumunukunukuapuaa wrote:

@12njoy wrote:

FIASCO FIASCO.  Called to close membership and visa card.  Asked them to remove 2 inq's and they refused.  Then they came back and said rewards card is declined and were closing the approval from yesterday because it was never reviewed by a loan officer.  I said it was reviewed by a loan officer as the rep told me so when she put me on hold.  They come back and said ok were going to freeze the account and have management look at it on Monday.  Someone will call you on Monday about account.  At this point, a CFPB complaint is forthcoming.  The simple fact that I'm being told that a loan officer didn't review it when I know for a fact that it was reviewed.  The fact that now they want to review the process tells me that they know it was reviewed.  I will be doing CFPB, BBB and state AG office.  This has been one giant fiasco.  Each time I called in asking about the Rewards card (they kept me on hold for 20 minutes so I called back in) they put in a new application without my knowledge.  All this for $7,500 I don't think so.  I'll wait on my next cli with BofA in the next 1-2 months.  That'll get me where I want to be.  Still only two pulls (EQ/TU) but I want them both removed and then they can close the account in full.  If a MOD can move this to applications, that would be greatly appreciated.  Thank you.


Sorry to hear about this 12, What a headache for you and a mess - and of their doing, not of yours. You've been clear and communicative with them throughout the process.


Thanks hum.  I just want the two inq's removed and we'll call it a day.

Profile Worth 1.2M+ (Just 1 store only card/PayPal Credit @5.5k)
___________ 12Njoy
Message 44 of 139
donny10
Senior Contributor

Re: In with DCU finally


@baller4life wrote:
Dang sorry 12. DCU has a rep for doing this as well as doing AA on existing accounts. Which is precisely why I never joined. Them and NASA behave like a bank IMO. And I'm just not interested. Hope you can get something resolved Monday.

Care to share where I could find information on DCU doing AA on existing accounts? Have found nothing of substance on this forum. Thanks!

Message 45 of 139
woodyman100
Valued Contributor

Re: In with DCU finally

"Know of any one with two cards?"
12njoy always thinking ahead!
I love it
NFCU-BBVA-Discover-Idaho Central FCU-Capital One-Goldman Sachs (Apple)-Redstone-John Deere-Signature-EECU-BofA-AOD-Chase-Amex-Banco de Popular-Banco Do Brasil-Commerce-Truist-Citi-Synchrony-HSBC-USAA-Amegy-FNBO-Dell-Regions
Message 46 of 139
baller4life
Super Contributor

Re: In with DCU finally


@donny10 wrote:

@baller4life wrote:
Dang sorry 12. DCU has a rep for doing this as well as doing AA on existing accounts. Which is precisely why I never joined. Them and NASA behave like a bank IMO. And I'm just not interested. Hope you can get something resolved Monday.

Care to share where I could find information on DCU doing AA on existing accounts? Have found nothing of substance on this forum. Thanks!


http://ficoforums.myfico.com/t5/Credit-Cards/adverse-action-from-DCU/m-p/4541083/highlight/true#M131...

 

http://ficoforums.myfico.com/t5/Credit-Cards/Who-are-worst-adverse-action-culprits/m-p/4485112/highl...

 

I can't link other places I've read about it. Not as common as NASA. But, it happens.

Message 47 of 139
donny10
Senior Contributor

Re: In with DCU finally


@baller4life wrote:

@donny10 wrote:

@baller4life wrote:
Dang sorry 12. DCU has a rep for doing this as well as doing AA on existing accounts. Which is precisely why I never joined. Them and NASA behave like a bank IMO. And I'm just not interested. Hope you can get something resolved Monday.

Care to share where I could find information on DCU doing AA on existing accounts? Have found nothing of substance on this forum. Thanks!


http://ficoforums.myfico.com/t5/Credit-Cards/adverse-action-from-DCU/m-p/4541083/highlight/true#M131...

 

http://ficoforums.myfico.com/t5/Credit-Cards/Who-are-worst-adverse-action-culprits/m-p/4485112/highl...

 

I can't link other places I've read about it. Not as common as NASA. But, it happens.


Thanks for the info!

Message 48 of 139
baller4life
Super Contributor

Re: In with DCU finally

@donny10 from what I've seen they are especially sensitive to alot of inqs and new accounts. So, if you have a cc with them just be mindful is all.

Message 49 of 139
Musiclover
Super Contributor

Re: In with DCU finally

Yikes. So sorry this happened to you! That really sucks!


Daily Drivers: Penfed Platinum Rewards; NFCU GoRewards; Discover..
Message 50 of 139
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