My sister and I went into Wal-Mart one day. Wal-Mart had a representative in the front asking if anyone wanted to apply for a credit card.
We both said yes and proceeded to fill out the aplications. The lady asked if we wanted any authorized users, we both said no.
We walked away after giving her the completed forms. She called my sister back because she said the my sister had failed to put her signature on one area of the form.
A couple of weeks later we both received letters with cards in them and life went on. I went away to school in Aiken, SC and my sister stayed in Beaufort. I made all my purchases in Aiken, SC. Several months later in December, I had paid the full balance and wanted to close my account. I received my statement and it had purchases on it that I did not make. I called to let them know and they were not helpful.
I called my sister because I thought that they may have accidentally charged my account with her purchases since we had the same last name and same birthday. We compared notes and found out that Wal-Mart had indeed charged her purchases to my account.
I called Wal-Mart and told them of this and they told me that she did not have an account with Wal-Mart. Needless to say, but I will do it anyway, they had sent us both credit cards, but they had sent us cards that had the same account on it.
After countless calls to Wal-Mart, they only told me that it could be forwarded to their legal department for forgery. I now realize that it was an intimidation tactic to scare me. I didn't want my sister to be accused of forgery. So, I ended up dropping it.
Facts I picked up during innumerable calls and since then:
1. If my sister had been authorized by me to receive a card, I had have to sign a specific portion of the application. I also should have received both cards. I didn't. She got a card in a letter and I got a card in a letter.
2. I requested that they send my a copy of my application. I received a letter stating that at that time they could not so.
This is suspicious, as being in a records department, I know that information such as this must be kept in records or in storage for legal reasons.
3. Companies will send a letter to applicants stating the rejection and the reason for it, with a paragraph of credit rating and how to obtain one. My sister never received a letter of rejection.
I continued to call Wal-Mart over a period of six months or so, each call never being less than 30 minutes in length. These calls invariably left me in tears. I can't believe how they resorted to intimidation and ignorance. Not one single person was willing to help solve this dilemma and I was too young to understand that I could have gone to the police myself and handled it more efficiently and with much better results.
I now tell anyone I know what I went through and that they should not get anything through this company.
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