Complaint I sent to the bank: Hello, you did a hard check on my credit card. I was not applying for a credit card. Only overdraft protection for my account which you advertised as easy and simple. Had there been a warning about a hard credit check from the very beginning I would have declined. Contact trans union and have this removed from my score. I sent another message and was told my request was too invasive and my case was closed. Excuse me? Please do your job. You basically are saying oh it's too complicated so too bad for you. Not acceptable