Complaint / review text:
Chase Bank: approved credit card denied! On Friday, June 12,2009, I was on Chase Bank (801 Mission Ave, Oceanside, CA 92054) putting money in my checking account. The teller asked if I would like to have a credit card from Chase as such one is already approved for me. I told her that earlier applications of mine with this bank have been already two times denied and I'm not very interested in. But she said that my credit card is already approved. As I'm a long year customer with WAMU (now Chase), I thought it would be not bad to have a credit card with this bank and was ready to talk about it with the personal financial representative Y..
I told her also that two earlier inquiries have been denied and I would not agree that she make an inquiry to my credit report. I added that I would apply for this card only if this card is already approved. She confirmed again that this credit card is already approved and asked for different information. She asked me then if I agree that she get information about me to get the approval for the credit card. I expressly told her that she have not the permission to ask the credit bureaus as she first said she have already the approval for this card. I asked her to cancel my application if such an inquiry is necessary!
Even if she had no authority, she obviously made the inquiries with the result that the inquiry was not approved! This will have a negative impact to my credit report. I'm not agreeing that I have to carry a negative influence to my credit report for mistakes intentionally made from bank professionals! I was talking to the branch manager on Monday the 15th about this and she confirmed that the credit card has been already approved before. Can I ask the credit bureaus to reject this inquiry so that there is no negative input on my credit score?