Consumer complaint received 2017-02-06
Company: Mortgage Research Center, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In approximately XXXX I contacted Veterans United to pursue a home loan from a Veteran friendly lender. I was assigned to XXXX XXXX. XXXX & I spoke & I gave him permission to pull my credit report. Once my credit report was pulled on XXXX/XXXX/XXXX I was told by XXXX that I needed to pay down XXXX personal accounts & was notified that there was a medical collections on my account totaling less than {$100.00}. I was advised to pay the collections & " ask them to delete it. It 's really new so it should boost your score up. If they refuse to delete it then do n't pay it. '' I was able to pay the roughly $ XXXX on the personal accounts & I paid the collections & the company deleted it. XXXX stated that we would wait until the middle of XXXX to recheck the credit scores. To my dismay, instead of waiting, once I informed XXXX that i had paid the accounts & the collections would be deleted, he pulled my credit report again on XXXX. He stated that my scores still had not increased enough to meet the home loan qualifications, but the bureaus " may have not adjusted the scores yet. '' On XXXX/XXXX/XXXX, XXXX pulled my credit report again & advised me that my scores were " great. '' He wanted to move me to a loan officer & I advised that I had some personal things going on & wanted to wait before going to the next step. I was not sure If I was going to remain with Veterans United. Instead of respecting my request, XXXX gave my information to the the loan department & told me that i was assigned to a loan officer by the name of XXXX XXXX. I told XXXX that i was disappointed because I had NOT given him permission to forward my PII to anyone else & he did so before i could respond. XXXX called me repeatedly & then I told him I would at a minimum talk to the loan officer just to hear what he had to say. I spoke to XXXX & he informed me that I qualified for much more than what XXXX had quoted & that " he does n't know what he 's talking about. '' After speaking w/ XXXX & NOT agreeing yet to secure a loan with Veterans United , XXXX a day or XXXX I received a XXXX package with my information in it, the amount of the loan & my potential mortgage. XXXX made no mention of sending this paperwork. 
XXXX had mentioned that VU had their own real estate agents & that I would receive some type of incentive if I used their realtors. I told him that I had someone in mind. He went on to ask me if I would just allow one to call & tell me about their program. I stated I would " only hear what they had to say. '' Instead, I had been assigned to a realtor w/ VU who began by introducing herself as my assigned realtor. I told her that i had not agreed to such. I was very angry at this time because they continued to send my PII through to every department in the company w/o my permission. In addition the mortgage paperwork XXXX sent included a {$260.00} fee for " hazard insurance '' from another department within Veterans United. I spoke to a friend and was told that what they were doing was " solicitation. '' I emailed XXXX & asked that VU cease & desist from any further transfer of my private information to other individuals in their company and to destroy my file with their company. He agreed & apologized, however I continued to receive calls for about 1-2 additional months from a man who identified himself as XXXXs assistant. I never answered. He was trying to convince me to return to VU. I found a new lender in XXXX XXXX. She pulled my report & educated me & gave me my pre-approval letter. I was planning to close on a home nlt than XXXX. 2 days ago I found out my credit score dropped below qualifying. The report cited, " too many inquiries/too many new accounts. '' I had not applied for any new credit. VU pulled my report 5 times from XXXX w/o reason or permission. Now I can not purchase a home & my lease expires XXXX. My lender ca n't pull my report again b/c of VU 's negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation