On XXXX XXXX, 2015, I was making a purchase at Macy 's ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) and was offered an additional discount if I " opened an account. '' I was under the impression that it was a loyalty account, but was told after entering personal information that it was for an application for a credit card. I was misled because the term credit was not used in the pitch. I made an immediate request to the store clerk to withdraw my application since I did not want my credit to be checked. 

The store clerk phoned Macy 's customer support, XXXX ( # XXXX ), and was escalated to XXXX ( # XXXX ), and was further referred to Macy 's Real Time Credit Card division, who I spoke with XXXX ( # XXXX ). I was told that my application was pending and that I would receive more information in the mail. Again, I requested to withdraw my application since my application was pending. 

My complaint was escalated to XXXX ( # XXXX ), who later retorted that my application was pending, and another request to withdrawal my application since the status was pending. It was then escalated to XXXX ( # XXXX ) who revealed that my application was an automated hard credit check and was declined. 

I had no intention of applying for a credit card and was misled into thinking that:1 ) the application was not for credit or a credit related product and2 ) that my application was pending, so the application could be withdrawn. 

These predatory lending tactics ( i.e. bait & hook at the point of sale, undisclosed verbiage, automated hard credit checks ) is misleading and is detrimental to my credit rating. 

I want the application for credit withdrawn and stricken from my credit report. 
