Double Inquiries

Are the inquiries gone yet?

The problem here is Best Buy is a direct result of what people wanted.
We as consumers created the Big Box store, and now we are it's
victims. Back in the early 90's there were lots of electronics stores
that trained thier employees and had very knowledgable staffs
available. The problem is that buying things at those stores was a
lot like shopping for a car. You had to negotiate to get a better
deal, you'd quite often get moved to bigger ticket items after
inquiring about the loss leader you saw in the ad, etc. America
complained, and Best Buy exploded. The lowest price you can find!
Guaranteed! The problem is with the lowest possible profit margin
they can't afford to do week-long training on appliances and
electronics. We basically traded product knowledge for low prices.
To me it's not a bad deal--you just have to do the research yourself
and be willing to put in a little time and effort. My advice is never
go to Best Buy without knowing ahead of time what you want and do your
research ahead of time accordingly.

Oh, and never ever get a store credit card. They are a huge rip-off.

and when we see a letter where the bank truly is in error, we support
the OP. That being said, most of the letters we get here about NSF's,
the OP is clearly at fault by spending money they didn't have.

Cash is King

Uh, the CEO will do nothing. What you should do is write a letter to
Equifax and let them know what happened.
I have a cousin who works for Equifax and he said that if there a
second CR requested or "pulled" from the same store/business right
after the first was requested if you contact Equifax they will try to
re-adjust your CR. There are circumstances that they do not but you
will have to check into this.

Call Equifax and see what they can do for you, they will contact Best
Buy to see how these were done.

Before purchasing a product, I like to do research on my own. The
store will try to sell you the most expensive model and not
necessarily what they need. However, since your complaint is mostly
about Best Buy pulling your credit twice, why was it important to talk
about the lack of knowledge of the salesgirl?

Now, when you called customre service, you felt you were treated
rudely. This something I usually will never question because it's not
something that could really be proven or disproven. Generally, we give
people on PFB the benefit of the doubt that their version of events is
true.

Yet, I see your attitude here. People generally respond, even those in
customer service, in the same manner as they are treated. When people
disagreed with you, you felt the need to 'attack.' Not everyone has to
agree, and it doesn't even mean that your wrong. It makes me wonder
how your attitude was when you called customer service.

Strangely, I don't have that much opinion about your letter itself.
The part about salesgirl's lack of knowledge seems frivilous, and your
main complaint is that you were given incorrect information when you
asked a direct question. That can be annoying because you feel like
either the employee didn't know what she was talking about or either
she lied (in reality, it could just be an honest mistake, but that is
how we feel at times).

Perhaps, the problem lies in how you approached this issue. I'll be
the first to admit I've lost my cool when handling a problem, but just
usually complicates things.

You post one letter on PFB and all of the sudden you're right, we're
all wrong and to top it off, we're getting lectures on the purpose of
PFB and your interpretation of our Mission Statement.

You marked your letter to be shared so that entitles us to post our
comments. You are obviously of the opinion that we should all agree
with you and if we don't we're rude and stupid.

After reading your comments I am getting a pretty clear picture of the
way you treated "the girl processing applications" and it's not
pretty.

Have any of you read PFB's Mission statment? You all are really
working against it. This will be my last response to anyone who has
anything negative to say...just because they are not have a good day.
Negativity is a waste of time. Positivity begets positivity.

I think your first mistake was not researching your appliance choices
and features. Clearly, if one asks a salesperson what makes washer x
better than washer y, they will immediately pick the one that costs
more, since they're in the business to sell more product.

You're Second mistake was the mistaken belief that Best Buy, or any
company for that matter, can only inquire once when considering
extending credit to anyone. Credit is a privelige, not a right, and
the company has every right investigate if the risk is worth taking.

Your third mistake, was coming to PFB expecting everyone to agree with
your tale of woe. You read and accepted the terms of use and know your
letter would be posted for public criticism. Your pitiful excuse for
responses to two of my fellow commenters was way off base. Your
behavior is far more reprehensible than anything they or I have
posted, which is simply our honest opinions. Who are YOU???

As Red asked or implied below, you expected the people at Best Buy to
be experts in washing machines and credit applications? You made a
few mistakes in judgement there.

I would never walk into a Best Buy and expect one of their salespeople
to know what a salesperson at an appliance store knows. Best Buy is
where I would go to get a discounted price once I knew what machine I
wanted.

As far as credit card applications and pulls and inquiries, how the
heck is the person who enters your application supposed to know the
minutia of "pulls"? If your credit score is so precarious, maybe
you should stop opening new cards.

It sounds like YOU need to do some research before (1) buying a major
appliance and (2) shopping for credit. Why would you expect Best Buy
employees to know anything? My cousin worked in a camera department
at Target. Did she know anything about cameras? Nope. This is the
New World Economy, I'm afraid.

If you want good advice and direction, go to a (generally smaller)
retail store that focuses more on customer service.