I had written about how Comenity shut me down back in April after they did a hard pull without my consent. I was more angry about the hard pull than the actual shutdown. I then filed a CFPB against them in early August and wrote:
Comenity Bank let me open a credit card account in December 2015. They then pulled my credit report WITHOUT MY CONSENT and then subsequently closed my credit card account in April 2016.
The resolution I wanted:
I want Comenity to refund the $149 annual fee that I had paid. I also want them to remove the credit inquiry on my Experian credit report on 4/25/16 THAT I DID NOT AUTHORIZE.
Forwarded to FDIC
After 5 days, the complaint was sent to the FDIC. I’m not sure why it was sent to the FDIC (maybe it’s because they weren’t in the database.) I then waited nearly a month for their reponse.
I am NOT happy with their response. I don’t buy the fact that me agreeing to some terms and conditions during the application process allows them to make a hard pull. I know other banks do soft pulls, which I’m okay with, but I don’t know of any other bank that does a hard pull. I also don’t like how they kept my $150 annual fee while I only had the card for 6 months. I would have been fine with a $75 prorated refund.
I haven’t decided whether I’ll pursue it further with the FDIC or not. Maybe I will since typing out this post just made me even more angry.