Product: Mortgage

I maintain a personal investment account at Charles Schwab & Co. I have not authorized Charles Schwab & Co. to share the details of my account with anyone, including mortgage loan originators at XXXX XXXX XXXX. On XX/XX/2020 I received an email from XXXX XXXX, mortgage loan originator NMLS # XXXX, that implied that he has been monitoring the details of my Schwab account, including stock vesting schedule, for the purpose of soliciting me for mortgage loans. In fact, he solicited me to apply for a mortgage loan in the email. 

I did not authorize this individual or anyone at Schwab to inspect the details of my account, and I am unable to locate any privacy policy that would allow this originator to views the private details of my personal financial accounts, such stock vesting details. The email also listed numerous other Schwab employees who presumably also have viewed my personal financial information without my consent. 

The soliciting email was not authorized, and did not provide information on how I may prevent future emails. The email also did not provide details on how I may issue a complaint and/or protect my privacy in the future. 

The email strongly implied that the mortgage loan originator was working on behalf of Schwab and not XXXX XXXX XXXX. The email also sought referrals to Schwab and/or XXXX XXXX XXXX. 

When I check NMLS for this loan originator 's license information, I see that the license belongs to XXXX XXXX, not XXXX XXXX. 

Some individuals listed as senders of the email ( below ) are not licensed mortgage loan originators and yet appear to be part of a mortgage loan solicitation. 

The text of the email is listed below : Hi XXXX, I noticed the recent equity vest and wanted to see if my team can help with anything locally? Most clients dont realize that we are a fully functional bank. If you hold a mortgage over 3 % we should discuss refinancing. 

Thanks, XXXX XXXX VP - Sr. Financial Consultant | XXXX , WA NMLS # XXXX TelXXXX| FaxXXXX XXXX XXXX XXXX, XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX | XXXX WA NMLS # XXXX TelXXXX| FaxXXXX  XXXX XXXX XXXX XXXX , WA XXXX XXXX XXXX VP XXXX Financial Consultant | XXXX, WA TelXXXX| FaxXXXX XXXX XXXX XXXX, XXXX, WA XXXX XXXX XXXX Client Relationship Specialist | XXXX, WA TelXXXX|FaxXXXX XXXX XXXX XXXX Financial Consultant | XXXX WA NMLS # XXXX TelXXXX| FaxXXXX XXXX  XXXX XXXX XXXX, WA XXXX Other Important Phone Numbers : Need to place a trade? CallXXXX Need to request a check or move money between accounts? CallXXXX Questions about required minimum distributions? CallXXXX Questions about tax reporting or XXXX? CallXXXX Questions about XXXX education accounts? CallXXXX Your referral to friends and family gives me the opportunity to help shape the financial future of someone you care about. 

Charles Schwab & Co., Inc. Charles Schwab Bank XXXXSeparate but affiliated companies Charles Schwab Bank and Charles Schwab & Co. , Inc. are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation . Investment products are offered by Charles Schwab & Co. , Inc. ( member XXXX ). Charles Schwab & Co., Inc. does not solicit, offer, endorse, negotiate or originate any mortgage loan products and is neither a licensed mortgage broker nor a licensed mortgage lender. Home lending is offered and provided by XXXX XXXX , Inc., XXXX XXXX XXXX. XXXX XXXX XXXX, is not affiliated with The Charles Schwab Corporation, Charles Schwab & Co., Inc. or Charles Schwab Bank. Deposit and other lending products are offered by Charles Schwab Bank, Member FDIC  and an XXXX XXXX XXXX.

Investment Products : Not FDIC-Insured | No Bank Guarantee | May Lose Value