TO ALL PEOPLE CONSIDERING PLACING A HOLIDAY ORDER WITH
3200 S CENTRAL AVE MARSHFIELD WI 54449
Although I live in Florida, I thought I'd throw a little business to my home State this Holiday Season and order from one of the many FIGIS catalogs I keep getting in the mail. Because I am diligent to keep my credit score over 700, all these catalogs I get offer interest free payments begining Feb 14th, pre-approved, of
course. Usually, I don't charge things but with family out-of-State, I thought it would be convenient.
So, I went online and started placing individual orders because you get $10 off for each order over $25. My orders totalled about $300. There was no bigger discount for one large order, so I did them separate. And that's the way they checked my credit with each order, over and over, with all three credit reporting agencies,
without my social security number and without my permission! Over 6 hard inquires were made! If I had known this, I would have never ordered. I only allow inquires if I'm buying a car!
Today, I received 4 individual letters from FIGIS. One, telling me they will ship my order (to be delivered by Christmas), the Second, that they will ship my order (again to be delivered by Christmas at my request), a third, telling me my order was rejected because my credit report showed too many recent inquires, and a
four, stating the same thing.
So, I called them to cancel everything as I'm more upset about the credit inquires and the damage done to my credit rating than anything else. I asked them, why would you run a request with a reporting agency not only once when I gave you no permission, but over and over? I asked them to cancel all the orders, placed
just the other night, and not to be delivered until Christmas, and, to remove the numerous inquires placed just minutes apart from each other.
The answer after I called a second time and explained all this again?
No, we started processing the order and we won't cancel it. I asked to speak to a Supervisor.
The third time, when I got a Supervisor on the phone. The answer, after I threatened to call the BBB?
"O.K. we'll cancel the orders" (which we had to go through individually) and with them refusing to give me a confirmation number. So one can only hope.
But my main issue, how can you run numerous credit inquiries (several to the same agency within minutes of eachother), without permission or a social? And I want these inquiries taken off my report. Kathy, the Supervisor, said: "We don't need your social, just a name and address. And no, we will not remove the inquiries. So, there you go, Merry Christmas from FIGIS!
Tomorrow, I will call the BBB. In the mean-time I will use the Internet, the great equalizer to let you know,
DON'T EVER ORDER FROM A FIGIS CATALOG! 800-422-3444
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