Hi I hope you nice folks can help me. I've not posted here before, and haven't yet read all the great info available, so please be patient with me 
I have a score now of 698. BK will be falling off within a few months. But that is not the problem.
I have a retail acct which I asked if I could get reinstated as it was under 7 years and the acct was inactive. As my credit at the time (about 681) was good, after pulling the report, they said yes. They sent me a replacement card. I asked on 11/17 and received the card a few weeks later. I did not get any change email (I am on Score Watch). A few weeks after the card was received, but before Christmas, I tried to make a purchase using the card. It was denied. They said card was deleted. The clerk called Cust. Service and they said just tell the customer to apply for another card. So I did. They denied me. I left.
I called the creditor to ask why the card I was sent didn't work. They said they deleted it prior to 7 years by mistake and were working on it. I have talked to numerous people at this point who just keep saying they will call me back after a week when there is more info but they never do. I have spoken to 2 different Managers. They advise that myself and a few other people were affected by this bad occurrence by the bank, and that I did not have to worry, my credit would be restored (from 1998).
I checked my report. Amazingly, the creditor reports closed by credit granter, which lowered my score by 7. Guess that's why they denied me, I was under 680 now. I never got a denial letter. I called again and was told that although I was denied at the store, they actually opened a new account for me, but didn't send the card. I cancelled it as I told them it would just confuse everything. I've called again today. Still new people, same explanations, no follow up.
I think at this point -- perhaps they are waiting for the 7 years to actually BE up and then say, "Sorry, if you had called before the 7 years, we could have done something. But now it's too late. Sorry."
So what should I / Can I do? My score now is 698 but that's because of new credit. BK will fall off soon so hopefully will go over 700. But this is just not right, and I would like the card reinstated to get the length of time on the CR.
Any/all suggestions/help are really appreciated. If I haven't been clear please ask and I will clarify. Again sorry I am not up on everything here yet.
Carol
Message Edited by deerfern on 01-10-2008 07:54 PM
I have a score now of 698. BK will be falling off within a few months. But that is not the problem.
I have a retail acct which I asked if I could get reinstated as it was under 7 years and the acct was inactive. As my credit at the time (about 681) was good, after pulling the report, they said yes. They sent me a replacement card. I asked on 11/17 and received the card a few weeks later. I did not get any change email (I am on Score Watch). A few weeks after the card was received, but before Christmas, I tried to make a purchase using the card. It was denied. They said card was deleted. The clerk called Cust. Service and they said just tell the customer to apply for another card. So I did. They denied me. I left.
I called the creditor to ask why the card I was sent didn't work. They said they deleted it prior to 7 years by mistake and were working on it. I have talked to numerous people at this point who just keep saying they will call me back after a week when there is more info but they never do. I have spoken to 2 different Managers. They advise that myself and a few other people were affected by this bad occurrence by the bank, and that I did not have to worry, my credit would be restored (from 1998).
I checked my report. Amazingly, the creditor reports closed by credit granter, which lowered my score by 7. Guess that's why they denied me, I was under 680 now. I never got a denial letter. I called again and was told that although I was denied at the store, they actually opened a new account for me, but didn't send the card. I cancelled it as I told them it would just confuse everything. I've called again today. Still new people, same explanations, no follow up.
I think at this point -- perhaps they are waiting for the 7 years to actually BE up and then say, "Sorry, if you had called before the 7 years, we could have done something. But now it's too late. Sorry."
So what should I / Can I do? My score now is 698 but that's because of new credit. BK will fall off soon so hopefully will go over 700. But this is just not right, and I would like the card reinstated to get the length of time on the CR.
Any/all suggestions/help are really appreciated. If I haven't been clear please ask and I will clarify. Again sorry I am not up on everything here yet.
Carol
Message Edited by deerfern on 01-10-2008 07:54 PM
I see your point. However, they admit they closed it in error, and that they are trying to reinstate it. So, they are in essence saying they are reporting it incorrectly as well. I haven't asked them that point yet but I will. I have advised them they are reporting it incorrectly today and the Manager said he understood but could give me no update now as there was nothing update on the account (not reinstated yet) and no information to provide me.
I will contact the Headquarters tomorrow and see where that leads. One step at a time, I suppose
As always any/all suggestions/comments welcome.
Carol
Message Edited by deerfern on 01-10-2008 10:32 PM
I will contact the Headquarters tomorrow and see where that leads. One step at a time, I suppose
As always any/all suggestions/comments welcome.
Carol
Message Edited by deerfern on 01-10-2008 10:32 PM
SmartCookie, Good question. I believe it's probably Spirit of America. But I'm not 100% sure. The card was opened in March of 1998. I've been having problems lately with GEMB, so I'm not real thrilled with them right now. And now I'm not thrilled with Spirit of America.
I did contact their HQ today, the person I was given said she certainly wouldn't handle such an issue, and would talk to her supervisor and have someone call me back. So now I am waiting for two phone calls.
I then called the Fashion Bug credit dept. to ask the person's name who was above the two Managers I already spoke with. I got an Assistant's name and a Head of the Dept. name. I ran out of time at work so I couldn't speak with the Assistant, but the person who I spoke with advised me that the two Manager's names I gave him, were not Managers, but Supervisors. There may be some good explanation, but that certainly doesn't make me feel any better.
When I came home, I got an email response from my email sent yesterday to their contact address on their website. They advised that "due to banking regulations and credit card security, customer service representatives do not have access to credit account information. Please contact Fashion Bug Cardholder Services directly at 706-644-2194 for assistance with your credit account."
That's the same number that I've been calling. So much for email.
Jaybee: Thanks, I know, that's what I'm trying to do
Message Edited by deerfern on 01-11-2008 06:00 PM
Message Edited by deerfern on 01-11-2008 06:02 PM
I did contact their HQ today, the person I was given said she certainly wouldn't handle such an issue, and would talk to her supervisor and have someone call me back. So now I am waiting for two phone calls.
I then called the Fashion Bug credit dept. to ask the person's name who was above the two Managers I already spoke with. I got an Assistant's name and a Head of the Dept. name. I ran out of time at work so I couldn't speak with the Assistant, but the person who I spoke with advised me that the two Manager's names I gave him, were not Managers, but Supervisors. There may be some good explanation, but that certainly doesn't make me feel any better.
When I came home, I got an email response from my email sent yesterday to their contact address on their website. They advised that "due to banking regulations and credit card security, customer service representatives do not have access to credit account information. Please contact Fashion Bug Cardholder Services directly at 706-644-2194 for assistance with your credit account."
That's the same number that I've been calling. So much for email.
Jaybee: Thanks, I know, that's what I'm trying to do
Message Edited by deerfern on 01-11-2008 06:00 PM
Message Edited by deerfern on 01-11-2008 06:02 PM