Consumer complaint received 2017-05-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN PACIFIC MORTGAGE (OR)

I was contacted by XXXX XXXX manager licence # NMLS XXXX at American Pacific Mortgage XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OR XXXX. On XXXX ( XXXX XXXX messages provided ). Our son XXXX XXXX used his services in XX/XX/XXXX XX/XX/XXXX to get a loan for a home purchase, a VA loan. He was very happy with him, being that it was my son 's first home, he really has had no experience with buying a home, I on the other hand do, having purchased XXXX homes prior and now with a construction loan, I do have some experience with loans and the process. My husband and I were going to have to re fi our construction loan through XXXX XXXX, and since we had lot 's of problems with XXXX, we were looking f We were not ready to start a re fi loan due to problems with getting our home finished and all paperwork completed so that we finally moved into our home on XX/XX/XXXX. Then I contacted XXXX back to tell him we were ready to start the process. we sent him our financial information over a secure site and ok 'd him to run our credit after I filled out an application. This was on the XX/XX/XXXX and sent over part of our personal information. Along with this I asked him to send me rates and information on different loan options, he never did send this information to me, even though I asked him several times and which he told me in writing that he would. We had to re send information several times to them and checking back over our records we had sent them and they stated we did n't. Granted this has always been an issue with loan companies so not too worried, except when it happened for the third time. We were contacted the next day and had to re-sign the SS release paperwork because we did not put our initials in the correct part of the application. Our first credit was pulled on the XX/XX/XXXX. On the XX/XX/XXXX we received notice on our XXXX XXXX and on my husbands " XXXX XXXX XXXX '' that there were changes to our credit information/ scores upon opening it we found they ran our credit XXXX time, first on the XX/XX/XXXX and the second time on XX/XX/XXXX.  And the real confusing thing is that they were down by what it looked like two different credit places " XXXX XXXX '' and " XXXX '' which I found out that they had been one in the same, but confusing as to why the would use their old name as well as the current one? So I contacted XXXX and confronted him, and he stated that I ( XXXX ) gave him the wrong ss number for my husband XXXX, now it was a possibility that could have happened, that I made the error, but when looking at this situation logically, I questioned " why where they able to pull up the first one, if I gave them the wrong number "? I sent you each copy that XXXX sent me, and I ca n't see where that happened. My husband called XXXX on the phone and chewed him out, mainly for blaming me that they did this. Then it turned into " Oh no it was our fault '' and we are sorry. Then later XXXX stated in an email '' that he really does n't like to place blame " I asked him to remove one of the hard enquiries on our report, he stated " he could not do that. Later after I sent him a letter/email telling him he was fired and to stop everything and that I was going to report this, he apparently spoke to counsel at the home office and stated that they would remove it. ( in closed is the letter ) I want XXXX removed so that I can start over and get another mortgage. I should not have had this happen nor be blamed for this either. And why on the front of the verification of the credit info done on the XX/XX/XXXX, on the XXXX XXXX summery it states that my husband score is XXXX with XXXX, my husbands score are not that low, My husband and I just paid off his XXXX student loan last year, my husband makes almost XXXX a year and our income to debt ration is very low. No where else does it show my husband scores this low. Is this some sort of a scam? so that if they drop your scores down they can give you a loan with more fees for them? I mean what I am supposed to think? We had a difficult time with XXXX because we had to have XXXX hard pulls for our construction loan, our project was made more difficult because we had a loan officer that was not familiar with placing a manufactured home on land, which she told us she was, plus we had to wait over two months for an appraisal so we had XXXX hard pulls on our credit that we did n't expect. ( inclosed are those reports too ) I just want XXXX of these off our credit and to be able to make sure they are not pulling a scam, because in all my years of getting mortgage loans, i have never had to deal with something like this. My husband and I work very hard at paying our bills on time, keeping good to excellent credit and we deserve the " perks '' that go with this, now our scores have gone down and we have no mortgage started, and no plan to unless we can clear all of this up.