Update Update: Ok, DH got a call from Kay Jewelers today...they apolgized profusely and claim his complaint to them over the hard inquiry for a purchase has identified a major glitch in their system that they intend to fix. (Note: they did not say they would remove his hard inquiry)...and this should not have been happening. I was at work..so darn it, couldn't talk over his shoulder. Interesting, since he had 3 emails from them claiming it is their policy...and I've requested a copy of the card agreement with them and haven't received it though they claim they mailed it. They told him that they would be fixing the error within the next 30 days...and until then everyone who charges should ask them to call in and not swipe the card when you go to their checkout. I think..they know..this wasn't right and that we have a major complaint against them...
Update NanaC's original situation: Another quote from a diff thread: Just in case anyone was wondering a little bit of the situation Also, it sucks that some of you got burned, but, hopefully, they'll fix it and I'll apply for one with my 0 FICO
Update You could write them a letter summarizing the content of the phone call, and making clear that their repeated hard inquiries create the false appearance to your other creditors that you are repeatedly applying for additional credit accounts. Demand that they either remove the inquiries or recode them as "Account Reviews", which would not appear to others.
Update I like that idea...think that's great... will update you...they do answer PFB, though...and it's interesting, the lady from PFB had a completely different story saying it was policy.
Update Sounds like the lady is making up BS. This looks like a good case for a local TV consumer reporter. "Policy" can change pretty fast if they think it will cost them business.
Update You might also get faster response from a letter to their CEO. Your response from one part of the company indicates they know what they're doing is wrong and damages their customers. Your response from the other is just a CYA "we can legally do this, so don't bug us." Although both are technically accurate, if they don't fix it it's not good for business.
Update Came home today to an email..Kay is removing the inquiry. Have it in writing now...PFB seems to be the way..
