BB&T Financial Credit Card Complaint

BB&T Financial Credit card department,

Credit line increase/decrease South Carolina

I requested a credit limit increase from my bank ( BB & T ) for my credit card over the phone but the agent did not know whether a hard or soft pull was need so I explicitly stated the stipulation to note on the request that if they need a hard inquiry on my credit report do not proceed with the credit limit increase. A week later, I noticed an increased credit limit and once I checked my credit report noticed - hard inquiries on my credit report. I contacted BB & T and explained the situation. The agent ( - ) I was speaking to had her Supervisor ( - ) listen to my original phone call and she confirmed that I made the request NOT to perform a hard inquiry on my credit report. - send a dispute request to the - to remove these inquiries from my credit report. She told me it could take up to 10 days to file with the credit bureaus and 30 days to see the update to my credit report. I asked for an email confirmation of the discussion


A few days later, I received a letter in the mail from the BB & T Bankcard Services stating they concluded that the information was reported to the credit bureaus accurately and closed the dispute. Keep in mind a few days earlier the supervisor ( - ) listened to my phone call in which I specifically said not to perform a hard inquiry and admitted fault. I was confused in their finding so I called BB & T again and they informed me I could not directly contact the BB & T - department and they could not tell me what information they provided that department for their investigation. The agent said the only thing I could do at this point is contact the - credit reporting agencies. I first contacted - and they said that they could not do anything about removing the inquiries on my account made by the bank. All I could do is file a police report and file a complaint with the CFPB. That is where I am at right now. BB & T has a recording of the original phone conversion in which I specifically asked for them NOT to perform a hard inquiry on my account but their internal - department found they were not at fault for the - unauthorized hard inquiries on my credit report.