GE Capital Retail Consumer Loan Complaint

GE Capital Retail Consumer loan department,

Installment loan Shopping for a loan or lease North Carolina

On - - 2015. I applied online for a walmart credit, when I did the application I mistakenly put my physical address instead of my - - - which I can only receive mail at - - - They said online that I should receive a letter in the mail within 10 days when I applied online. I never received letter so I decided to call The Walmart credit card status phone number at - on - - 2015. After being transferred to the correct person, I was then told this call is being recorded and monitoring I said ok, then she asked me to verify my identity because I was checking on the status. I gave her my social my date of birth my address etc. She then verified that it was me who applied for the credit card. She then proceeded to tell me congratulations you have been approved. Then she told me to hold on the line a minute I said ok. Then a few minutes later she returned on the phone and said that there was a problem with the computer and unfortunately I have been denied and they would send me a letter in the


- that I now have a new hard inquiry? I said what is this?? I then called back to - credit card services and asked why was my credit pulled without my consent? I called on - - 2015 just to check the status of my application for credit. I was never told at any point of time that my credit was being pulled at all!! When I asked why was my credit pulled they quickly said we never pulled your credit? I have proof from my credit reporting monitoring at credit karma which is TransUnion that shows that on - - 2015 - credit card services pulled my credit and on - - 2015 walmart credit card services pulled my credit again. This is clearly a violation of my rights and the FCRA that was done intentionally and negligence on behalf of walmart credit card services. I feel as though when she was putting me on hold over the phone she deliberately checked my credit without my consent for fraudulent reasons. This phone call was recorded and monitored! I am meeting with a attorney next week to file a lawsuit and supeona phone conversations from both - - and - - to show my rights have been violated.