Consumer complaint received 2016-08-15
Company: STATE FARM BANK, FSB
State: NE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have been receiving on going offers from an insurance location XXXX XXXX, Agent @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX Business # ( XXXX ) XXXX so today I got another and decide to ask for a quote and spoke to XXXX at XXXX. according to my outbound call time on my phone records. Before I started asking about a quote I made it clear that I do not want my credit hit, XXXX stated no worries we do n't do hard inquiries so it will not harm your credit just for asking for a quote. I never provided my social security number to keep my piece of mind. I provided my basic information name, birthday, he asked for my vin #, and seemed to know my current insurance provider and when my bill was due which raised my concern. When he called me back at XXXX again according to my phone records he said " are you ready for some good news!?! '' I replied yes! He then started to say something but stopped putting me on mute and then said " your looking for comprehensive right? '' I said yes XXXX deductible. XXXX was then at pause again said I want to make sure your getting the best deal and all the discounts asked if I had a loan on my truck and yes I do. Which then rang a bell for him completely steering me away from what I was already waiting for, saying that they can for no cost refinance if I wanted to and kept asking details on my loan I still had n't gotten my quote through the whole conversation he was dismissing my attempts to get it and said so because I do n't want to not give you XXXX your discounts I will need to call you tomorrow with your quote. I was confused as to what would take so long, but not knowing said ok. I asked I 'm to call before noon due to my schedule, he agreed. 
I am trying all I can to build my credit so I 've made it a habit to check on my credit on credit karma almost everyday. I was feeling uneasy still and decided to check on my XXXX report and what I came across put a XXXX there was a hard inquiry showing in my XXXX a State Farm Bank hard hit and to contact XXXX to dispute. I did and spoke to a very caring young lady by the name of XXXX she asked me to send details of my situation and assured me that it will be investigated and taken care of. She was great to talk to but I will not lie the knot in my stomach is still here and I am still VERY upset at the fact that XXXX just lied to my face and had gotten access to find out things I never gave authorization for him to pry and especially not to run my credit. How did he get my social security number? How did he know my insurance company? How did he know my billing date with my insurance company? 
Please help me get that unauthorized credit hit removed from my records and stop XXXX from doing this to another person. 
HELP!! 

I have already contacted the bank and was told not to call state farm agent that ran my credit without my permission that she is aware of it being a habit and it was an active investigation with agents doing so, so it would not do me any good to call them. She the rep at the state farm bank said allow them to call me back for records to show the contact and that will help my case. I sent a letter of complaint by fax as she requested I do and go a response stated that they will not remove the hit which has me outraged. As soon as I noticed the unauthorized hit XXXX XXXX 2016 approximately around XXXX I look at my credit on credit karma every day constantly to keep up with the activity since my bankruptcy I have been extremely nervous and excited watching my credit get better. I need someone on my side, someone to help fight for me and not assume XXXX at the insurance place whom had no right getting into my credit. I feel stuck and helpless, I have new start and made it clear no credit checks for a quote for insurance.

Company response to consumer: Closed with non-monetary relief