@Anonymous wrote:
First of all I DID NOT violate ANY TOS. Another poster did I was just backing him up. Second of all EVERY CITIZEN under FEDERAL law can freeze there credit reports. Your acting like it is illegal or something. Third of all I pay 30 bucks a month to your company for credit monitoring services and unless you WANT ME TO CANCEL that I would stop attacking paying members.
I brought the popcorn!
First off, let me get something clear. There is no grey area here, no unethical, or anything like that will be said. Freezing your reports is fine, there's nothing wrong with that and discussion about it is of course allowed. Freezing your reports to try to force a creditor to pull a certain report is a forbidden topic. End of discussion. Violations of that will be dealt with.
myFICO is a forum that is supplied by the Fair Isaac Corporation for it's members and guests. It has rules and guidelines that are set forth in the TOS. Administrators and Moderators make sure that the board adheres to these rules. When something comes up, that we are unsure of, we forward to the legal department for a ruling. Some things are just out of our hands. We follow the rules too.
We are aware that there are other sites out there that do not follow this same mindset. Although we have no control or concern with them, we do with our own boards. I as a moderator get no thrill out of having to "police" the boards. I prefer to help those that need help. We are supposed to be adults here dealing with adult issues. That is not always the case. If you have a question or concern, please feel free to contact one of us. We would be happy to deal with it, or if we are unable to, we will forward it up the ladder.
Thank you for your time and understanding,
Your friendly neighborhood mod,
Shogun
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Nix got out of bed early this morning 
@CreditMagic7 wrote:Nix got out of bed early this morning
I did.
@I started my shift @ 5A this morning and by 730A I was done. My lower back is absolutely killing me today. 
@Anonymous wrote:
@Anonymous wrote:I am lost to why. The day I applied, someone even phoned me to verify things and I was approved the next day. The pulled experian for me. I live in Northwest Pennsylvania as well so it's not like I can just go to a branch to complain.
I will wait for the letter and depending on what it says, I will decide then whether to close account and fight to have all info about this card removed from my credit reports as well.
I just wanted to give an update. I have phoned BBVA Compass three times today about the suspended account. I have basically wasted 4 hours of my life today talking to different people and getting different stories and wasing time on hold. Last night I was told tha the account was "under review" and I would receive a letter about it. This morning being not happy about that answer I phoned back and a seemingly nice lady explained that there was suspected fraud on the account and that is why it was suspended. She then transferred me to the fraud department I believe. After being on hold about 93 minutes a southern sounding lady got on the line then it went DEAD and no one was there. I then called back from my cell and this time after being given the Fraud department line, the gentleman transferred me to that department, and I was disconnected after 70 minutes of being on hold. I then called the phone number the gentleman gave me and I received the number is not in service. Mind you, I read the number back to the gentleman twice to ensure I wrote it down correctly and both times he said that was the number. Anyway, I called another time and asked to be transferred and again afer about 70 minutes on hold I was disconnected. I then figured out it may of been my cell provider discconecting the call that was on hold.
I then phoned back one last time and spoke to another gentleman about all of this that has happened today. He then looks over the account and says it was not the Fraud that put the account on suspension, but the back office. At this point I was boiling. I asked how can three differenct people read the same account screen and tell me different things. He then suggested I was not phoning the same department. I then told him just to close the card because it was not worth the anxiety and that wanted a letter stating it was closed. I called their customer service hideous. He said he would submit the request.
Good luck to everyone else that has this card. My card was placed on suspension on the 14th. I used the card with no issue on the 12th, spending $213. I am still not sure why it was suspended and now I frankly do not care. Maybe it was something I did with other card approvals. This weeked I spend about 3K on my Citi Prestige to meet the spend threshold without any issue and will pay that off by the end of the week once all the transactions post.
Sorry for writing a small novel.
I like novels
Such an atrocious behaviour is uncalled for. 4 hours of your life you can't get back. I applied also and will see how it holds up. Sorry it happened to you.
