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A person was shopping at a department store and was offered the opportunity to apply for a store card when they made their purchase. The person said that they didn't want the card. They later received a notice in the mail indicating that their application for the card had been denied. They contacted the store to complain. The store manager investigated and said that the employee had applied for the store card. Does the shopper have a claim that can be made against the store?
If the employee acted without the store's knowledge, probably not. But even if we assume negligence or culpability on the part of the store, the big question is damages -- the denial of the application is not likely to have any appreciable effect on the shopper's credit history or score, and it would thus be very difficult to establish that the shopper was entitled to a recovery.
The store may offer modest compensation, such as a gift card, for public relations reasons.