Capital One did a hard pull - I did not ask for - UGH --Their Site says "No Impact to Your Credit"

[Anonymous]

This is what is on my CR;

You Have 2 New Inquiries
2 new inquiries were added to your report in the last 60 days, which indicates that you recently applied for credit.

CAP ONE NA
Inquiry Date: 12/06/2020
 
CAP1/CBELA
Inquiry Date: 12/06/2020

If you believe an inquiry is a mistake or result of fraud, contact the issuing company to confirm

[FinStar]

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@Anonymous wrote:

This is what is on my CR;

You Have 2 New Inquiries
2 new inquiries were added to your report in the last 60 days, which indicates that you recently applied for credit.

CAP ONE NA
Inquiry Date: 12/06/2020
 
CAP1/CBELA
Inquiry Date: 12/06/2020

If you believe an inquiry is a mistake or result of fraud, contact the issuing company to confirm

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Hmmm.  Is the 2nd one (CAP1/CBELA) on EQ?

[Slabenstein]

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@Anonymous wrote:

This is what is on my CR;

You Have 2 New Inquiries
2 new inquiries were added to your report in the last 60 days, which indicates that you recently applied for credit.

CAP ONE NA
Inquiry Date: 12/06/2020
 
CAP1/CBELA
Inquiry Date: 12/06/2020

If you believe an inquiry is a mistake or result of fraud, contact the issuing company to confirm

---

Yeah, that looks like it's talking about HP's.  The only other thing I would say is pull your ACRs so you can see it direct from the source and have that info when you talk to Cap1.  Let us know what they say since, if you didn't accidentally apply somehow, this is definitely a strange situation.

[Anonymous]

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@FinStar wrote:

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@Anonymous wrote:

This is what is on my CR;

You Have 2 New Inquiries
2 new inquiries were added to your report in the last 60 days, which indicates that you recently applied for credit.

CAP ONE NA
Inquiry Date: 12/06/2020
 
CAP1/CBELA
Inquiry Date: 12/06/2020

If you believe an inquiry is a mistake or result of fraud, contact the issuing company to confirm

---

Hmmm.  Is the 2nd one (CAP1/CBELA) on EQ?

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it is on all three - 

Should make for a fun Monday morning.

Any thoughts on what exactly you would write in an email to the EO?

Thanks for your help!

[Iusedtolurk]

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@Slabenstein wrote:

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@Anonymous wrote:

This is what is on my CR;

You Have 2 New Inquiries
2 new inquiries were added to your report in the last 60 days, which indicates that you recently applied for credit.

CAP ONE NA
Inquiry Date: 12/06/2020
 
CAP1/CBELA
Inquiry Date: 12/06/2020

If you believe an inquiry is a mistake or result of fraud, contact the issuing company to confirm

---

Yeah, that looks like it's talking about HP's.  The only other thing I would say is pull your ACRs so you can see it direct from the source and have that info when you talk to Cap1.  Let us know what they say since, if you didn't accidentally apply somehow, this is definitely a strange situation.

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One thing that sticks out is that Cap1 is definitely not including a Pre-approval for the Cabelas card on that pre-approval page (Plat-QS1-Secured only) so that showing up on the CR as a hardpull is definitely out of left field.

[FinStar]

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@Anonymous wrote:

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@FinStar wrote:

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@Anonymous wrote:

This is what is on my CR;

You Have 2 New Inquiries
2 new inquiries were added to your report in the last 60 days, which indicates that you recently applied for credit.

CAP ONE NA
Inquiry Date: 12/06/2020
 
CAP1/CBELA
Inquiry Date: 12/06/2020

If you believe an inquiry is a mistake or result of fraud, contact the issuing company to confirm

---

Hmmm.  Is the 2nd one (CAP1/CBELA) on EQ?

---

it is on all three - 

Should make for a fun Monday morning.

Any thoughts on what exactly you would write in an email to the EO?

Thanks for your help!

---

This is strange indeed.  The only way you'd end up with a Cabela's coded HP is if an application was submitted for that specific product on their website, which is also serviced by Capital One.  At this point you'd need to reach out to them directly for next steps.  As suggested upthread, obtain your actual CRs from ACR.com for confirmation of these HPs.

[coldfusion]

I would suggest that you first call their Customer Service number today and follow up with a letter sent CMRR that you did not apply and you want the hard pulls withdrawn.

If you don't get a response back from them within 30 days after receipt of the letter (hence the CMRR) file a complaint with the FDIC.  Don't bother with CRA disputes or CFPB complaints; the CRAs are accurately reporting the HPs and the CFPB would only notify you to contact the FDIC and close out your complaint.

A CRA can take up to 45 days to complete the withdrawal after a properly completed request for said withdrawal has been submited.

[Anonymous]

What is "letter sent CMRR"? 

[thornback]

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@Anonymous wrote:

What is "letter sent CMRR"? 

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Certified Mail Return Receipt 

[Anonymous]

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@thornback wrote:

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@Anonymous wrote:

What is "letter sent CMRR"? 

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Certified Mail Return Receipt 

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Thank you!