ComplaintsforFellowship Home Loans

• Initial Complaint

  04/12/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Here is an email describing the issue:************************* 3:51?PM (6 minutes ago)to ******************* day, *******[********]I received a text message from you stating that you pulled my credit when I had not given the consent to do so. I will be filing a formal complaint.Our last phone conversation on Friday, April 7, ************************************************************** if I wanted my credit pulled. I hesitated and did not consent to my credit being pulled. You then stated that you would call me back on Monday, April 10, 2023 to see if I wanted my credit to be pulled. We did not speak on Monday, April 10, 2023. Please note that I will be filing a formal complaint with the Better Business Bureau. I would appreciate the removal of my number from your database.Sincerely,******* Please investigate this practice of pulling credit reports when formal consent has not been given. I was looking forward to a call from ******* before the pulling of my credit report. I didn't receive a phone call but a text message with the information that my credit report had been pulled.

  Business response

  04/13/2023

  Hello,

  we have the recorded phone call where the customer gives us permission to run their credit.

  Customer response

  04/13/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because

  I have not received the alleged recording of my consent to run the credit. I recall specifically hearing from the loan ******** ******************************** that he would call me back on Monday, 4/10/23 to discuss if I wanted my credit ran because I did not consent to this during our conversation on Friday, 4/7/23.

  I have also attached an email from ********, received after the phone call, where ******** states, "I'm ******************************** and I'll be in touch by phone soon to listen to your hopes and dreams and together  develop a loan or refinance plan that makes sense." There's no indication even in this email that I approved of the loan officer pulling my credit without being able to discuss it in a follow-up call.

  Due to the nature of my working diligently to repair my credit and increase my credit score, I have become a more informed consumer and selective about credit that I apply for and the hard inquiries on my credit report. I hesitated to give ******** my consent and opted for a call back on Monday, 4/10/23 in order to have time to discuss with my spouse and to determine if this was the route we really wanted to explore.

  When ******************** didn't follow through with a call back on Monday, I thought all was well. I was taken aback when I received a text message on Tuesday, 4/11/23 @2:08 pm, as indicated in the screenshot attached, with the notification of my credit being pulled and not the promised phone call on Monday, 4/0/23. I also received notifications from my Credit Apps(Experian and ************ stating that a hard inquiry had been pulled.

  Upon further investigations of the creditor who pulled my credit report, I found out that it was Nationwide Mortgage Bankers. I was advised by a customer service rep to send an email to the Chief Administrator Officer of this company(email attached), *********************, because the customer service rep thought it was odd that they could not find my name in their database; they stated that when a credit report has been pulled there are usually some identifiers associated with it.

  With all of this disregard of my communication with ******************** and operation out of good faith to even check back in with a phone call on the day stated, Monday, 4/10/23, I am requesting a reconsideration of removing the hard inquiry from my credit report.

  Thank you,

  ******************************* *****

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  *************************
  
  
  
  
   
  

  Business response

  04/14/2023

  I have attached the recording again so you can hear the consent she gave to have her credit ran.  If you cannot hear it please call me at ************.  We never pull credit without authorization.  

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩