I wanted to switch over to Schwab from my current bank. I assumed they would do a soft pull and run chex systems like any other bank. I called to confirm, and the rep told me that it was a hard pull. I said please cancel my application as I do not want nor authorize a hard pull on my credit. She told me no problem and she will call me back to confirm. She called back and left a message that the application was cancelled and no hard pull will be done. Today, I received notifications that Schwab did a Equifax hard pull on my credit. Called up Schwab, and said what happened. They do not know. The account was never opened, but they still pulled my credit. Now I have a ding on my credit.
Any advice on what to do here?