notsomuch

They are definitely incompetent, no matter who answers the phone over there. The answers I received were not satisfactory. I was told there are three pulls instead of one because the other two were duplicates. No, they were not. The information changed each time I pulled a 3B. The phone call was wrapping up and I was told my file was noted that I was unhappy. I told him I never said I was unhappy or dissatisfied or anything else, I was clarifying the changes and clearly there is less service for the same cost. Now, if the majority of us are paying $14.95/mo and they sell it for, what, $24.95/mo, then what are other services charging? Are they gambling we'll stay because it is still less than paying $25 somewhere else for only one pull/month?

I called because I would have been able to pull tomorrow. Yesterday it said two days, today it says 11 days. So, the guy told me due to an upgrade to my account I can pull once per month. Spin it how you like but that is a downgrade, chump, having gone from daily to three times to once per month. Pricing stayed the same. Extremely annoying conversation.

So, $125 is the magic number with Cap1. Figures! I've been paying $120, every month for a long time, and my CLI was declined: "Your average monthly payment as been too low"

I have the AMEX Costco card and got an offer for a new card when I logged in to check my balance and then the offer came through email. "Congratulations xxxx, You're Selected for an Exclusive Offer From American Express" I went ahead and accepted the offer online and was approved then linked the accounts together. I can see both when I log in now. I don't know what will happen with the first card but I'll pay it off before March 2016. I think that is the last date of the Costco agreement, need to double check that. I'll think I'll BT my oldest Cap1 card and sock drawer that old one but I have to spend $500 to get $100 back first. Details, details. Anyhow, the next day I noticed I didn't have an alert email from CCT regarding a new inquiry so I logged in over there and sure enough... no inquiry. Crazy good, very happy!

I bought organic EVOO from Trader Joe's and like it better than just virgin OO. I've never tried castor oil but will def try that. Another thing you might try. Mix salt and EVOO in your palm, gently apply to your face and *lightly* rub around in circles, then dip a wash cloth in hot water, wring it out and lay it across your face to melt the salt. Rinse. I blot around the washcloth to get off excess salt/oil. I do this at least once per week to slough off dead skin.... cheap facial... and I remove makeup at night with just EVOO. Call me crazy but it works.

My screen today states: Update: We're making a change to your membership! blah, blah, blah Soon, we will be changing the frequency with which you can refresh your Report free of charge. Starting on 26 May 2011, you may pull a new 3-Bureau Credit Report three times every 30 days. If you require additional Reports, you may easily access them for just $29.95

And this just doesn't go for credit products. It could be for utilities and bank accounts. Yes. Even savings accounts. Remember your comments to me, OP?

It would help to know "WTF [you're] talking about" if you told us all of the details. (see my 2nd comment) This would have been helpful to know in your OP, OP. I 110% agree...but at the same time, you should have asked what you were signing for 6-7 times. Regardless of the above statements I've made; I hope this works in your favor. I'd try a call or an in-person chat with the BM and tell him you see a hard inquiry on your credit report(s) yet he said it would be a soft pull. Keep us updated. Perhaps I should have asked him to specifically tell me what each sig meant, but we were linking this new savings to an existing checking so he said my checking was recoded blah blah and that account was so old it was grandfathered and he was fixing it. IDK. He made it look like a lot of busy work to get this done. I think I should call and ask someone in customer service, figure out if it was indeed a hard error and proceed from there. Can't get anything done at the branch level anymore. Oh, before I forget, BM also stated that they will pull a credit report for a debit card request. That's a new one on me too.

"... like your soul" <-This is actually pretty funny, made me snort *out loud*

Was this your first WF account? That might explain it. Three weeks I opened a WF savings account just so I would not get dinged for checking account fees. I have had a WF checking account for almost 20 years. I asked if there would be an inquiry, the rep was certain that it would be what he called "soft touch". And from all that I can tell (TrueCredit, myfico subscriptions) I did not get a hard inquiry. I did all of this over the phone BTW. (as long as I have an automatic transfer credit posted once a month to my savings my checking is free "forever" regardless of checking balance or direct deposit, you can move the transfer right back the next day at no cost.) Sometimes when you open a "bank" account the rep is extra helpful (and gets credit for) making sure that he or she has tried to sell you as many of their products as they can like credit cards, lines of credit, etc. Perhaps one of the things you signed but was not mentioned to you was disclosure of this up-selling/cros-sellling "convenience"? Well, no cross-selling going on. I told the BM that I wanted to take advantage of this inquiry and use it for a line of credit. He said he would have to pull my credit again.

Yeah, I have had my checking there for 13 years. I was opening a savings account to get the deal explained above. Why would anyone say to me, "lesson learned," when I'm obviously after the fact going back to them and telling them I know my rights? This is supposed to be a place to discuss these matters with people who know WTF I'm talking about. Dialog here, people. I know they need PP to pull. I would ask if they were going to pull for, say, a CREDIT product, or a checking account. I'm floored that they pulled hard for a simple savings and I was dealt with in a way I feel was unacceptable, both by the original rep and the Branch Manager. BTW, the BM did tell me that it was a soft that would have been pulled. I told him it was a hard that was pulled. I'm supposed to educate him to do his job to ensure his employees disclose what is going on? From the looks of it, nothing is printed out until after signatures are captured so it is their job to verbally disclose to an uneducated customer. I think the thing that bothers me about this most is that 1) consumers out there don't even know when their credit is pulled but I just happen to care, hence, the majority wouldn't even know/care until they needed to know, 2) WF didn't deal with an established customer properly all the way around, 3) the changes in the financial industry now warrant pulling credit for products that wouldn't have been cause to pull a year ago.

Wells Fargo. Opened a Savings account. They have a signature pad, and I signed it 6-7 times. Of course, nothing in front of me except a pad to sign, no monitor with disclosure, no explanation from the rep. I didn't even realize I was authorizing a credit pull and would have not opened the account had I known. I called the BM and told him that I didn't authorize a credit pull and he stated that I did because I signed the pad. It really bothers me that it happened this way. I'm obsessing over this one EQ inquiry because I was down to ZERO and wanted to keep it that way for a while.

It's funny because on the show she's always shopping with her child swarm and paying cash. She always pulls out a huge stack of cash and counts it off on camera. $1200 and I'm thinking who carries that kind of cash? What business are they really in?

I thought he was early 30's because of his face. He was on this week and someone wished him a happy 43. He glossed over it and moved the show along.

How old do you think AC is? Don't cheat. Don't look it up... just throw it out there