geagle1313 wrote:
The letter I received, states the following:
"Based on information provided during our recent communication, we are unable to approve your application for a B&H Payboo Credit Card for the following reason(s):"
"We were unable to verify your identity" This is totally absurd! The first sentence of the following paragraph states, "Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency (EQUIFAX) listed below". The rest of the paragraph goes on to state, "under the Fair Credit Reporting Act", I have the right to know the information contained in my Equifax credit file. It further goes on to state, "that the reporting agency, (EQUIFAX) played NO part in our decision and is unable to supply specific reasons why we have denied credit to you". WHAT???? If the credit agency played no part in your decision, WHAT DID YOU BASE YOUR DECISION ON?? I find this reason contradictory and totally ABSURD!!
It further states, I have a right to a free copy of my (EQUIFAX) credit report if I request it no later than 60 days after this notice and if I find any information in the report to be inaccurate or incomplete I have the right to dispute the matter with (EQUIFAX) the reporting agency. Again, If the credit agency played no part in your decision, WHAT DID YOU BASE YOUR DECISION ON?? They, Comenity Bank fails to ever state a (specific) reason for the rejection. I find both (1) that no reason is offered for this decision and (2) that they were unable to verify my identity, simply OUTRAGEOUS! This clearly doesn't bode well for B&H and their partnership with this very questionable bank.
The letter I received, states the following: br &q... (
show quote)
It took me 5 months of back and forth with Community Bank. It turns out that you have to wait 30 days to reapply. If you reply within the 30 day period you get rejected again and the 30 day blackout begins again. This could go on FOREVER unless the cycle is broken. Community seems to be out of control.