Has anyone ever had a bank completely mess up their credit profile like this?
I applied for ONE credit card in January and somehow ended up receiving multiple versions of the same card in the mail. I called immediately and was told the duplicate accounts/cards would be shut down.
About a month later I start getting statements in the mail for another account I never activated, never used, and don’t even have access to online. The account started charging fees and eventually missed payments because obviously I couldn’t pay a card I can’t even access.
Now my credit report shows:
• Multiple hard inquiries for the same application
• Multiple accounts opened
• A mysterious active card/account I can’t access
• Nearly a 160-point drop in my credit score
The craziest part is I went into the branch with the statement and they told me they couldn’t even see this account in their system….even though it’s on my credit report!!
The issue has been escalated internally now and I’ve also disputed it with TransUnion, but I’m still getting statements while the investigation is ongoing. The rep helping has been great but I NEVER WANT TO BANK WITH SCOTIABANK AGAIN.
Has anyone dealt with something similar? Did your credit score recover once the reporting was corrected?
I AM SO EXTREMELY STRESSED ABOUT THIS 😭😭😭😭😭