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Complaint Regarding Mishandling of Credit Application and Hard Inquiry
I am writing to express my deep dissatisfaction with the careless and unreliable service I received from your credit union. I applied online for an account and credit card, and shortly thereafter, a hard inquiry was made on my credit report. However, my application was seemingly lost without any follow-up.
When I called your office to inquire about the status, I was told that I would receive a verification form requiring my driver’s license and photo to confirm my identity. I completed this step as instructed, and was assured that my ID matched and my identity was verified.
Despite this, I was later informed that my application could not be processed because my identity could not be confirmed. I then asked: if you were unable to verify my identity, why did you run my credit and place a hard inquiry on my report? You claimed this was part of a scam-prevention process, but if that were truly the case, you should not have accessed my credit in the first place.
This experience has caused unnecessary damage to my credit profile and wasted my time. I request a formal explanation and resolution regarding this matter.
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I'm experiencing a similar issue with customer service not able to release me from PROFILE ON HOLD during a transfer IN TO AFCU from Fidelity. Microdeposits confirmed. Fidelity link to AFCU successful - all accounts info from Fidelity show in AFCU website. AFCU says I have to wait for a PIN number to be sent to me to be authenticated or drive 160 miles RT to a branch. This is strange since I had account set up with video authentication via Docusign and all linkages set up.
This is NOT a security risk! If funds are being transferred IN and I am being blocked from AFCU to execute that transaction, there is a programming problem that they refuse to correct. They have said that there is a limit of $5,000 inbound transfers but that limit may be less if it is on a new account - that is NOT mentioned anywhere on their site as far as the duration of the new account initiation.
I give AFCU less than 1 star as far as customer service. Companies like Fidelity know how to resolve bugs in systems, which exist. AFCU does not take responsibility for misleading information in their website that lead to this.