Consumer complaint received 2023-04-15
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Summary : There have been three times that my credit report has been ordered over the past two months which has resulted in a significant amount of my personal information becoming available to various, unsolicited, callers representing mortgage companies whom have disregarded any request to be removed from their call listings. 

I initially reached out to my bank on XXXX XX/XX/2023 to begin a mortgage application which included running a credit report. Following this, for approximately 2 weeks, I was bombarded by spam callers from various mortgage companies. Each time I answered the phone to a number I was not familiar with, they would ask for me by name, have many of my personal details and begin talking to me about financing options. I asked them to place me on their do not call list, and asked that they never contact me again. 

I still continued to receive spam calls from these companies. 

My credit score was pulled again around XXXX XXXX, and the whole above process resumed. 

This occurred again on XXXX XXXX when I was again working with my loan company which again required their pulling my credit report. 

I describe the callers from " various mortgage companies '' because there were very subtle differences between the name of the company stated that they represented. For example, today, I was called by a person who stated he represented " XXXX XXXX XXXX ''. Many previous persons identified the company they represented as something similar ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. ). 

As a XXXX, I am often called by various medical care personnel relating to the care or need of a patient. Thus, I have a commitment to answer my phone even when it's a phone number that is unrecognized. 
The above mass calling I have received over the past two months has potentially jeopardized the care of my patients. AND, I am very concerned about the amount of my personal information that is being shared by the credit reporting services. 

My understanding of the Home Mortgage Disclosure Act ( HMDA ) is that when a person 's credit is pulled for a mortgage, that information is required to be published and publicly available. 
What I have a problem with, is that this act is also supposed to protect the individual 's personal information by modifying what is reported. 
What's being modified? Who's enforcing this? 
There has been a very clear correlation to my application pulling a credit report and my personal information becoming available to spam marketing. I feel that my privacy has been violated by this practice and my wishes to be removed from marketing calls has been dismissed. 
The value of reporting a mortgage application is, undoubtedly important, and realistically able to be shared with the public. But who applied, where they live, how much they make, how much they owe, and all of their contact information DOES NOT belong in any publicly reported information. 
Further, financial institutions who continue to practice unsolicited, unwelcome, solicitation for business, regardless of an individual 's wishes appears to be violation of several commercial operating laws.

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