CitiBank Multiple Hard Pulls Same Day?

[Anonymous]

I haven't updated in a while, here's what has happened since.
At some point after being told I would get calls back and not getting them, along with being told I was wrong, the credit bureaus were wrong, and everyone except Citi was wrong- I got upset. In order to appease me I ended up with a $100 credit now and moved on to the executive resolutions department.

I actually did get a call back a couple times as that investigation was ongoing. After a few weeks, the representative listened to the calls and decided Citi was wrong and they would fix it by removing the extra inquiry. I was told it would take 30 days. Then I got a letter saying it would be changed to a non-visible inquiry that creditors couldn't see. Not what we talked about, but I played along.

After about 45 days of still seeing the inquiry I started calling back. No return calls again, even though the executive resolution rep had updated her voicemail greeting, so I know she got my messages.

I filed a report with the CFPB.

Almost instantly I got a call back from the rep. Just coincidence unfortunately. But she explained that she didn't know what happened and would open a new investigation.

Now just today I got a call from another executive resolution rep regarding my CFBP complaint. She claims now that something was filled out incorrectly when they sent info to the credit bureaus and now it has been fixed and will show in another 30 days.

I'm really just acting on principle at this point. I've accepted that the extra inquiry probably isn't coming off, but if it does I will be happily surprised.

[nukelierninja]

Just read this and wow it soulds like some bad Customer Service by Citi. Keep us updated if anything else happens!

[Anonymous]

I missed a couple updates, but after Citi essentially washing their hands of everything and telling me it was between me and the credit bureaus. I kept hitting dead end with everyone, even the government agency apparently has no ability to help any more than just to send them a letter. But, I checked credit again just this last week and the hit actually came off. And yes my score did go up.

Moral of the story is to look out for yourself and don't give up if you know you're right. It took months and months of aggregation. Was it worth it - not sure in the end, but I'm glad I did it. I would do it again just out of principle.

[nukelierninja]

Glad to hear it worked out in the end!