- Report: #98464
Complaint Review: Monogram Bank Of Georgia - El Paso Texas
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Author Not Confirmed
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Monogram Bank Of Georgia
P.O. Box 981064 El Paso, 79998-1064 Texas, U.S.A.
Phone:
800-243-7219
Web:
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Monogram Bank Of Georgia ripoff Turns away credit worthy customers El Paso Texas
In 1994, I had a Chapter 7 bankruptcy. In 2002 and 2003, I applied for credit at Penney's through Monogram to make a furniture purchase. I had reestablished credit, all of the accounts listed in my bankruptcy had fallen off of my credit report, and the only remaining bad item on my credit report was the actual record of the bankruptcy. I was declined both times.
After the second time, I went into Gardiner's furniture in Maryland, applied for credit to by $3K worth of furniture through Wells Fargo, and was approved. Why did Monogram decline me? I mean, it's not like they didn't have anything they could take back if I were not to pay my bill.
Today, my bankruptcy is off my record, I have applied for credit cards with better terms and have gotten them. I have good credit and an average amount of credit card debt. I applied for instant store credit at Macy's yesterday and got it.
Today, I applied for instant credit at Brooks Brothers through Monogram, and they once again embarrased me by declining me. Department store credit is one of the easiest things to get due to the high interest rate. How could I get credit at once place with no problem and them turn around and get declined at another?
Steven
Yardley, Pennsylvania
U.S.A.
After the second time, I went into Gardiner's furniture in Maryland, applied for credit to by $3K worth of furniture through Wells Fargo, and was approved. Why did Monogram decline me? I mean, it's not like they didn't have anything they could take back if I were not to pay my bill.
Today, my bankruptcy is off my record, I have applied for credit cards with better terms and have gotten them. I have good credit and an average amount of credit card debt. I applied for instant store credit at Macy's yesterday and got it.
Today, I applied for instant credit at Brooks Brothers through Monogram, and they once again embarrased me by declining me. Department store credit is one of the easiest things to get due to the high interest rate. How could I get credit at once place with no problem and them turn around and get declined at another?
Steven
Yardley, Pennsylvania
U.S.A.
1 Updates & Rebuttals
Megan
Syracuse,New York,
U.S.A.
This should not be on this site
#2Consumer Comment
Mon, July 12, 2004
You seem to think that credit is a right. It is not. A company has the right to decide what they want to do with their money. Would you like it if someone forced you to just lend your money to anyone based on their credit report? They have the freedom to choose, just as you do. You were the one who filed for bankruptcy. I am all for second chances, but in all honesty you are not a good risk. They choose not to lend you the money because of this. Fully within their right. Be happy that you even have credit back again, and don't dwell on the fact that you were turned down by someone.
