AOR back in 2008 for 0% money, just before the credit crunch. I believe I opened the IFly and Farm Bureau cards, along with probably 8-10 others at other banks. They freaked a couple months later when 10 accounts with 80% utilization hit my credit report and shut down both cards. It didn't matter to me since I still got to pay it off under the 0% terms. In the end they ended up making money off of me since I ended up unemployed in 2009 and carried the balance on one of them past the 0% term as my emergency fund. Probably not my best financial decision ever, but I never missed a payment with them or anyone else and repaid it in full.

Fast forward to 2013 and I applied for the Arrival card with my FICO in the high 700s. Online app was instantly declined, and the denial letter was cryptic as to the reason. I called recon and they informed me their records showed I had a charge-off (untrue) and they could not extend any credit. My credit reports show both accounts as "closed by grantor", "pays as agreed", "never late", etc.

I didn't bother escalating since I had other offers to go after, but do need to find a way to make up with them since there are a few offers out there I would like. I'll just be a little more sensitive to their needs the next time.