The credit offices of FCNB said yesterday no hard inquiry and credit report would be pulled for my request for a credit line increase. I checked my TU this morning with KnowNothing.com and a hard inquiry is present from FCNB, dated yesterday. I was lied to. Please, any advice or help appreciated concerning the removal of the inquiry!
Call FCNB back and ask for a supervisor. Tell them what you were told and what happened and that the inquiry should be a soft inquiry - an account review = AR. Tell them you expect it to be changed.
I was told the same thing. I applied a while ago just for curiosity sake since I was told it'd show up as a soft inquiry... You know.. they are using deceptive practices by telling us this and they're likely violating their contract with the CRAs if they so a soft inquiry for an application. Go after them strongly and you'll likely get a delete and/or a card.
We had this happen with an insurance company (Allstate)...when we found out, we wrote them a letter, faxed (after calling) the headquarters of Allstate, wrote the BBB, wrote PlanetFeedback and CC: FTC. Got a call from the headquarters and it was removed. Good luck!
Get it all in writing, or learn the tape-recording laws and get it on tape. Otherwise, they'll just deny, deny, deny. I've got another lender on the ropes in a similar situation... in writing.
