Capital one doesn't have a reconsideration dept.
Only thing they do is resubmit app. if the details didn't change you will be denied again
So they essentially lied to me, telling me that there is a reconsideration dept. They told me it will not require a new credit pull, and what is even worse that today I called again spoke to an agent and then asked for a supervisor for an explanation why they did an other credit pull without my permission, and why they told me that there is a reconsideration dept when in fact there isn't, it's literally the same process as a new application, the supervisor was rude, bitchy, and clueless, and suddenly they say that they don't even see that I was offered a counter offer.
What is absurd is, that the rep yesterday asked me what notes she should write down to the person that is going to re review my application, and she wrote down notes what I was explaining, if there is no human being that is actually going to read my notes why would she even take the notes down??
Anyways I'm very frustrated that I got pulled twice for the same application, especially without my permission. And for the absolute lack of communication of capital ones side. I will probably never try to apply with them again, my question is what can I do to remove the second inquiry without my permission? Fortunately I froze experian before applying, but the other 2 credit beauros got pulled, anyway I can remove them for pulling it without my permission?
