I applied online for a Tribute MasterCard in response to a letter they sent me, saying that I was pre-qualified. "Sure, why not?" is the usual response with me in this situation, so I did, back in mid-February 2007. I entered the invitation # they gave me, plus some more information such as my SSN and such. By some sort of miracle, I was approved in a few seconds after submitting, and the website asked me if I wanted a rush processing on the card. I thought at that time that I didn't need the card right away, so I clicked on regular processing. I stashed away the letter in my inbox, only to resurface later, in May of 2007. I realized that Tribute never sent me my card, so I contacted them several times. All the responses were: they do not know where my file is (I don't exist on their database), told me to reapply using the invitation # (their website won't let me -- the invitation # already exists; therefore, I exist, right?! Duh!), and the supervisors that I have talked to were going to call me back to resolve the matter.
It's been more than two (2) weeks of calls, and no resolution / credit card still. I am tired of this, and I need an answer. My main concern is that I sent my information online, and they LOST it! For all I know, there's someone out there with my name, and credit card, spending the $2,000 I was supposed to get!
What should I do? I know that I'm supposed to run my credit report, but I want Tribute to be responsible to all this. Aren't they in violation of anything? I'm a loan processor at a bank, and we're supposed to get a notice to the borrower of any type of action we're supposed to give on a loan file within 30 days. Doesn't that apply to credit card companies as well? In this case, neither the acceptance or the declination was ever filed for me.