Pathetic service

<p>I app**** online for a Stuttafords account, I got a decline message from RCS on behalf of stuttafords.</p> <p>I called the call center to query, and was notified that RCS is the final institution that's partnered with stuttaford.</p> <p> </p> <p>I asked why my account was declined, my salary was way above the minimum requirement and affordability wasn't a problem, my credit record was clear. I even purchased a property as well which went through without an issue. She was unable to give me an answer and just advised that she can't help.</p> <p> </p> <p>I had to literally argue with her to make her understand that she is not giving me a valid reason for a declined application, till she finally phoned someone. They then advised their system blocked it because of a late payment that happened on an old account RCS account 9 years ago.</p> <p> </p> <p>I told the cconsultant that the account was paid off and has been closed for 9 years, it should be stopping my application. She escalated. It took two weeks of numerous phone calls because no one was getting back to me. I was highly frustrated and really shocked at the level of service.</p> <p> </p> <p>I was then told it was with the risk team who is doing a credit check on my account . The part that really stunned me, is after two weeks of supposedly reviewing my account the an agent name Alicia called me and ask me to obtain my own credit record and send to them, what kind of financial institution ask it's customers to send their own record. I had a very old copy and refused to pay for a new one. They eventually said send that through.</p> <p> </p> <p>They eventually called and said they can't get enough information from the credit record because they can't understand the report.</p> <p> </p> <p>I'm really shocked how these people are a financial institutions , they dobt even know how to read a credit report. They don't even have a system to check customers credit records. Their service is pathetic, they frustrate customers with the lack of Infomation or being helpful. Is this really what customers should expect from you company.</p>