Avery S.
Terrible communication and credit application process. They did a hard credit pull and then didn't process my application.
First time interacting with Union Bank. Terrible experience applying for a credit card. I had to go in person to a branch, took 1.5 hrs of my day. Bad start. I did the paperwork no problem. I was told it could take up to two weeks to process. That's a long time, but I was okay with it. I called after two and a half weeks to check the status and was told that there was no record of my account or application and it was probably still processing. One week later (three and a half weeks after application) I called again and was told there was no application and I should re-apply. My Experian credit monitoring shows me that Union Bank pulled my credit, but I never heard anything from them about the credit card. I called the branch and was told that Union Bank had tried to contact me because I have a fraud alert set up on my credit and when they couldn't get through to me they declined the application. I didn't receive any contact from Union Bank informing me of any of this. I was just left hanging and now I have a hard pull on my credit with nothing to show for it. This is a terrible experience. Union Bank should leave a voicemail or send an email telling a customer how the required next steps and how to get in touch to satisfy the fraud alert requirements.