America First Credit Union review: Complaint regarding mishandling of credit application and hard inquiry

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.