Author Topic: Capital One Bank Account Pulls Credit Even When Employees Say It Won't  (Read 2896 times)

Offline Excalibur

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I opened a bank account and they swore they wouldn't pull credit. Pulled equifax. I told them and they swore up and down I was lying and they asked a supervisor who confirmed they do not pull credit for bank accounts nor for credit cards. They are telling all their customers they do not pull credit for credit cards either. I was actually really cool to them but they were pretty nasty and are lying to people. Potential lawsuit?
« Last Edit: December 01, 2014, 09:01:07 AM by Dan »

Offline Red

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Re: Potential lawsuit against capital one
« Reply #1 on: December 01, 2014, 08:21:05 AM »
which bank account did you open? 360?

Offline dealfinder85

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Re: Potential lawsuit against capital one
« Reply #2 on: December 01, 2014, 08:42:41 AM »
I opened a bank account and they swore they wouldn't pull credit. Pulled equifax. I told them and they swore up and down I was lying and they asked a supervisor who confirmed they do not pull credit for bank accounts nor for credit cards. They are telling all their customers they do not pull credit for credit cards either. I was actually really cool to them but they were pretty nasty and are lying to people. Potential lawsuit?
why waste your time

Offline Emkay

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Re: Potential lawsuit against capital one
« Reply #3 on: December 01, 2014, 08:43:35 AM »
I opened a bank account and they swore they wouldn't pull credit. Pulled equifax. I told them and they swore up and down I was lying and they asked a supervisor who confirmed they do not pull credit for bank accounts nor for credit cards. They are telling all their customers they do not pull credit for credit cards either. I was actually really cool to them but they were pretty nasty and are lying to people. Potential lawsuit?
Absolutely not. You will to court and the judge will dismiss it based on you being unintelligent enough to touch crapital one

Offline sillypainter

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Re: Potential lawsuit against capital one
« Reply #4 on: December 01, 2014, 08:47:31 AM »
You can always google on how to submit a class action lawsuit against a company. Submit your information, and they feel it interests them, they'll contact you, and you can make lots of money, and we the suckers will get 0.33 checks. Good luck!

Or you may report them to the FTC.

Offline Excalibur

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Re: Potential lawsuit against capital one
« Reply #5 on: December 01, 2014, 08:47:47 AM »
Bank account regular. 250 sign up used it for ap

Offline Hershelsdeals

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Re: Capital One Bank Account Pulls Credit Even When Employees Say It Won't
« Reply #6 on: December 15, 2015, 08:41:17 AM »
Does Capital one actually do a hard pull when opening a bank account?

Offline Cappy

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Re: Capital One Bank Account Pulls Credit Even When Employees Say It Won't
« Reply #7 on: December 15, 2015, 10:11:57 AM »
I opened a bank account and they swore they wouldn't pull credit. Pulled equifax. I told them and they swore up and down I was lying and they asked a supervisor who confirmed they do not pull credit for bank accounts nor for credit cards. They are telling all their customers they do not pull credit for credit cards either. I was actually really cool to them but they were pretty nasty and are lying to people. Potential lawsuit?

Never trust front line csr's. They are usually clueless including some of their supervisors.
You can call up corporate and explain you were told one thing and a different thing happened.
It's only a silly inquiry.

Whatever you do, don't dispute the inquiry with your cra's.

Offline Yehuda25

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Re: Capital One Bank Account Pulls Credit Even When Employees Say It Won't
« Reply #8 on: December 15, 2015, 10:37:11 PM »
I opened a bank account and they swore they wouldn't pull credit. Pulled equifax. I told them and they swore up and down I was lying and they asked a supervisor who confirmed they do not pull credit for bank accounts nor for credit cards. They are telling all their customers they do not pull credit for credit cards either. I was actually really cool to them but they were pretty nasty and are lying to people. Potential lawsuit?
WF promises the same thing. I got hard pulled for a new Biz account even though I am an existing customer with them. During the signup process you agree to a "credit check" which is supposed to be a soft pull.


An FYI: When opening my next business account I froze my CR and the account was approved anyhow.


That's regarding the bank account. As for the cc's... that's just insane.
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle

Offline Venilla

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Re: Capital One Bank Account Pulls Credit Even When Employees Say It Won't
« Reply #9 on: December 15, 2015, 10:41:23 PM »
Never trust front line csr's. They are usually clueless including some of their supervisors.
You can call up corporate and explain you were told one thing and a different thing happened.
It's only a silly inquiry.

Whatever you do, don't dispute the inquiry with your cra's.

Did you realized you were quoting a post from last year? But anyway why not dispute?
I like vanilla but my name is Venilla.

Offline David Smith

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Re: Capital One Bank Account Pulls Credit Even When Employees Say It Won't
« Reply #10 on: December 15, 2015, 10:43:32 PM »
Did you realized you were quoting a post from last year? But anyway why not dispute?
Look at CB for more info about disputing pulls.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ