I received a denial for a credit card application that I NEVER applied for. I wrote a nice letter, briefly stating I never applied for any credit card and I requested to know more information about the particular application. Their response to my letter said because of the amount of time that has elapsed since I applied, I must submit a new application. They obviously never read my letter. If they had, they would know that I never applied in the first place, never would, and had no need for any credit cards and didn't care to use them. This type of fraud ruins people's credit making any loan that anyone might want more expensive. Each time a credit application is denied, our credit scores are damaged and each damage is cumulative. So, for example, if I were to apply to some dealership for a car loan, they would pull my credit report and charge me a higher interest rate than I should otherwise have to pay. This has happened numberous times over the last decade and I haven't applied for any credit card, at all, in the last decade and probably even longer. I am convinced it is a scam by these credit card companies and possibly, the credit reporting companies, who never verify anything as being correct before they try and destroy someone by listing erroneous and ridiculous garbage on people's credit reports. I believe, once they somehow get you on file, once or twice a year, every year thereafter, they send out these denial letters - even thought there was no application. While I'm at it, the reporting companies have had me living at one erroneous address, in addition to a video store on another occasion. Does that make any sense? I never even, ever, visited that video store or anywhere near it. We have no rights and they have all the amunition. There are far too many injustices and credit card companies and reporting agencies are one of the biggest fraudulent operations I can think of, especially credit card companies out of Wilmington, Deleware. My last experience with a credit card out of Wilmington DE was over a decade ago and late charges were charged as a regular course of business when payment was made a week in advance and they refused to remove the charge, I closed the account, and monthly after that, they kept increasing the amount due because of a tiny erroneous charge, into the thousands. There is no dealing with these people. And, one of them advertised on the TV a while back - no hassle, or something like that. Of course, I don't pay what I don't owe and they can go jump in the lake, a polluted one.
Sun Lakes, Arizona