Consumer complaint received 2021-12-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Marlette Funding, LLC (MD)

On XX/XX/2021, after business hours I applied for a loan via ; www.bestegg.com. Since my credit file is locked they requested that I open the file in order to prequalify for an offer. I was advised that a hard pull on my credit would not happen until I accept a loan offer. I accepted the terms and agreements which gave me the option to pay either 3 or 5 years. I accepted the longer term for a better monthly payment that will help me about to double up on the payback. After agreeing to such terms I was told to call in to verify my phone number. However, since it was out of hours of operation I decided to call back the following day XX/XX/2021 at XXXX. 

During my phone call on XX/XX/2021 with a Ms. XXXX, I was placed on hold and during this hold time I was going over my emails to find a letter from Best Egg saying that my request for a loan had been closed for not being about to verify my income. When Ms. XXXX returned to the phone call we spoke about this matter and she stated that should would try and help my get things verified. She was very nice and helpful, I was placed on a brief hold and was told someone should reach back out to me regarding this information that she notated on the account. I then thanked her for her time and hung up phone. 

I waited a week and called back to get another young lady and her name was Ms. XXXX. This call took place on XX/XX/XXXX, XXXX XXXX. During my phone call with Ms. XXXX I advised her what had happened and she placed me on a brief hold while she was able to go over the notes. She concluded what MsXXXX XXXX said. During which time she advised me to call back on Monday and speak to someone in HR because they are the ones who closed out the loan application and she did not have the ability to reopen it. 

I then called back yesterday, XX/XX/2021 at XXXX. During this phone call I was placed on hold while the young a lady by the name of XXXX. During this 40 minute phone call she tried to reach the department that I was asked to speak with and said that they are usually busy and to try them back around lunch hour. Ms. XXXX also stated that she would leave a message for that department to give me a call back just in case I was not successful at my phone call back. 

I called back again XX/XX/2021 at XXXX. This time I got another young lady whose name I did not get because by this time I was annoyed with all of the miscommunication. However, she transferred me to a loan application specialist who advised me that I would have to complete another application since the other one was closed. This was not the Information that I was given during the past four ( 4 ) calls so I was a little upset. During this phone call I was speaking with a gentleman whose name again I did not get. 

He advised me that I needed to complete a new loan application and I expressed my concern of having my credit pulled again for an inquiry that already took my score down three ( 3 ) points. The gentleman stated that in order to complete the process to get another offer I had to unlock my credit file. Therefore, I did it and other offers were made available for higher dollar amounts but I chose to stay with initial requested amount of {$7500.00}. I completed the exact same process I did during the previous application only this time to call back this morning, Tuesday, XX/XX/2021 at XXXX and get transferred three ( 3 ) times to be told that my pay stubs appeared to be altered.

I am uncertain is to if they were but I am gainfully employed and there are lots of ways to get a person verified. I put in my banking information that was not accepted. However, I have statements and there is a perfectly good HR Department with both jobs that I work for. In fact we have a portal for one of the jobs by the name of XXXX where we download the stubs from. However, my XXXX  job is contracted and they are a minority company. I have been with them for well over 5 years now and have never had such unprofessionalism during the process of trying to obtain a loan in which I qualify for. 

Following up with the phone call with Ms. XXXX XX/XX/2021 at XXXX I asked her if there was someone else that I could speak with in management and request that the inquiry by removed on each attempt as this is not fair and it appears that they are just trying to get as people to apply by targeting our credit score and not willing to do the work it takes to underwrite the loan and get it funded.

I have attached the documents that were submitted. I do not run the payroll for either office and I do not have control over any errors if any but again, there are lots of ways to verify a person. I have also attached bank statements from my 2nd job that goes into a different account. I bank with XXXX the one I connected and XXXX XXXX XXXX which is now XXXX