I have also filed a complaint with the FTC #20289939 regarding this incident. I am a Stroke survivor, and when I applied for an unsolicited application on what was portrayed to be 0fee low interest rate balance transfer card/combo Shell Gas Card it sounded good on the onset. The sales Rep. (Larry) wouldn't reveal his last name took my information and I upon answering questions made mention before anything else was mentioned that I had one blemish on my CRA a BK7 in 2002 brought on by medical expenses. He assured me that if my payment history since then had been fine that would not impact me. I had checked my FICO score 24hours prior and at 702 felt good about my standing but I expressed my concerns of inquiries counting against me and impacting my score. But the offer of a 4% 0 fee balance transfer from my Wells Fargo in Good Standing sounded attractive. They declined due to Bankruptcy in my past contrary to what the Rep. Stated and caused me to gain a black mark (inquiry) that will stay for 2 years. These People are Snakes.
Quite frankly after reading some of this feedback it may be a good thing I never got involved with them. However, the fact that you can disclose information upfront before someone commits to a Hard Inquiry on your CRA Report that will stay with you for 2 years is just underhanded business practice.
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