Client Review on Home Trust Company

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Update review. This company is one of those worst to do business with. I consistently have to help out other peers and to listen and laugh at how these people operate. This review is for HT Credit Card department and their customer service. I applied for the HT VISA and got declined. I found 2 potential reasons and got things corrected with Equifax. When I reapplied, HT simply never pulled my credit report with updated information, no 2nd check, no verification and a simple generic decline letter without proper explanation. When you contact them, they refuse discussing your matters and refuse letting you speak with anyone with authority/credit check. They simply provide you no reason why the rejection is made rather than a company's metric. When they do a hard check over Equifax, they use Equifax's metrics and it's a standard practice of the industry. They try referring to another company may approve me? well some companies use TransUnion so yes, definitely it's going to be different. For well known fact is that USA takes my business over a hard pull on Equifax Canada so all they of the reasons they try giving me are complete bs. Rather not dealing with this organization and encouraging other Canadians to reconsider..