Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Finance of America Holdings LLC (VA)

Good Afternoon, I have recently been working with XXXX XXXX, who is employed by Finance of America, XXXX XXXX XXXX out of XXXX XXXX We signed a contract on a property XX/XX/XXXX. Loan commitment was due on XX/XX/XXXX as requested by XXXX for the time frame. Closing was scheduled for XX/XX/XXXX. XXXX XXXX has been very unresponsive to myself and my realtor. Her voicemail has been full since the beginning of this process in XXXX. and her answers to our questions when we do communicate, are everything but what we need to hear. The loan Commitment date came and went, with no communication from XXXX. I needed to know where I stood as far as being approved and moving forward. When I finally was able to reach her, she stated that I needed to take care of a few things to get my score where she said it needed to be. I did exactly what she asked me to do, within a 24hr period of time. Withthat being said, we had to extend the commitment date out, which caused us to almost lose the contract all together, BUT the seller was understanding and agreed to the extension. My realtor, XXXX XXXX with XXXX XXXX XXXX, put me in contact with another lender. Before speaking with the other lender, I contacted XXXX XXXX, and asked her not to pull my credit anymore. That call was made on XX/XX/XXXX. I then reached out to the lender my realtor had communicated with me about. I gave her permission to pull my credit, just to find out that XXXX... Finance of America, had pulled my credit XXXX times since XXXX!!!! I was baffled, angry, and very aggravated. She also informed me that XXXX XXXX had me do some unnecessary work to my credit that could potentially hurt my score. This was on XXXX XX/XX/XXXX. The very next evening, I recieve an email stating that a lender had requested a copy of my credit report, it was late, and I did not look into it at that time. THe very next afternoon, XX/XX/XXXX, I pulled up my credit report on XXXX XXXX, and there has been another inquiry. It was XXXX... Finance of America XXXX, both days. I was extremely upset, so I sent XXXX XXXX a text message asking her why she pulled my credit 2 days in a row, after I specifically asked her NOT to?! She responded that one was a rescore inquiry, and unsure of the other one. She stated she would look into it and let me know. I have yet to hear anything from her, and it's been two days!!! I contacted XXXX, who then contacted customer care with Finance of America, for them to tell us that it would take 10 days to hear anything back. I do NOT have 10 days. My credit score is dropping because of all the pulls from XXXX, and I need it to be fixed asap. The way they have conducted business, I will not be working with this company ever again!!!! I want the hard inquiries that have been placed on my credit report from XXXX doing the unnecessary pulls on my report to be removed promptly, as it was not my fault that they're there to begin with. 
I am wanting to purchase this home that I have been trying to do, and my patience is wearing thin! 
I have recently spoken with some of my friends who have worked with XXXX XXXX as well, and they have stated that she had done the same thing to them. They are still XXXX because they decided to repair the damage done to their credit on their own, but not me!! I have worked really hard to get to the point where i Could purchase a home, and now my score has dropped significantly because of all of the unnecessary credit pulls, and work she made me do to " better '' my score. 
My realtor and I have emailed the Customer Service Finance of America. On XX/XX/XXXX was the first email sent. They responded with it and it was going to take them 10 days to look into the matter, and get back to us. We replied that we did not have 10 days, and wanted it expedited. They then responded with any proof we had regarding what she had done, and it was sent over to them immediately. I have emailed them for the past 3 days and have not gotten any response. Today, XX/XX/XXXX, my realtors partner emailed them again, and explained that the 10 days was up and we needed answers, and told them that there has been no response. They responded that they will have an answer for us on the XXXX of XXXX. That is not fair. They originally said 10 days, not XXXX! We have since started the complaint process.