If you want to drive the wrong way on the freeway and call everyone else crazy thats your prerogative. No one has to cite anything for all of us to know that the bank cannot do what it wants. Pulling your credit lowers your credit score and affects your ability to obtain cheaper credit. If you cant make a case out of that you shouldnt be practicing law. Equity dictates that its wrong. I would argue that case any day and twice on sunday (if the courthouse was open).
Im sure you can find many cases to back up the proposition that improperly affecting ones creditworthiness is actionable.
All you're doing is posting the same wrong argument that others have posted.
The relevant statute has been posted several times, nothing in the statute says anything about hard vs. soft pulls, and sections (3)(F)(i) and (3)(F)(ii) give banks the right to pull an existing customer's credit at any time for purposes of account review.
If you have something new to add, please post it. Otherwise, how about we don't go in the same circle for the 40th time?
