Consumer complaint received 2020-06-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FEARON FINANCIAL LLC (TX)

I was referred to XXXX XXXX by my realtor. I reached out to XXXX to DISCUSS my options for mortgage financing on XX/XX/2020 at XXXX. I expressed the desire to purchase a home, BUT I am diligently working to reduce my credit card debt, and I needed her expertise to help me make a decision on applying for a mortgage loan. We also discussed how hard inquiries affect credit scores, and THAT is what made me decide to wait until mid to late XXXX to POSSIBLY move forward. I specifically told XXXX NOT to run my credit until I had another cycle of payments applied to my credit cards to give me the opportunity for a better rate on my loan. She agreed, and I told her that I would call her back when I was ready to move forward. 

On XX/XX/2020 at XXXX, my email alerts went crazy. All of my credit cards and credit monitoring services sent emails about a change in my credit score and credit file. I immediately click on the email from XXXX  to see what happened. The email informed me that XXXX XXXX requested a copy of my credit report. I was MORTIFIED!!!!! Then emails from XXXX, XXXX XXXX and XXXX XXXX soon followed. I spent a couple of hours researching XXXX XXXX because I did NOT give anyone permission to run my credit. Then I discovered just before XXXX. that XXXX XXXX ran my credit for a mortgage loan. I IMMEDIATELY called after I received an email from her thanking me for applying for a mortgage loan! WHAAATTTT!!!! I emotionally hit the roof!!!! I calmly asked if she had run my credit ; she admitted to doing so, with a tone of " wasn't I suppose to? '' I FIRMLY reminded her of my decision NOT to proceed until at least after XX/XX/2020, and that was NOT what we discussed and agreed upon just 3 DAYS PRIOR! Her response was, " Ohhhh, yeah ... I forgot ... sorry about that, but your credit is okay. '' She tried to explain how she was swamped with loan applications on her desk ; the past couple of days were hectic and how her company pushes to move paperwork along. She then attempted to deflect by saying that my score was pretty good and it was not the determining factor of my percentage rate. She then went into how my student loans and present mortgage were affecting the loan. My response to her was, when we completed our call on XX/XX/XXXX, my paperwork should have been shredded or destroyed until she heard from me again, NOT to just move forward WITHOUT my permission. I ended the call with XXXX and called my realtor to express my anger and disappointment and dissatisfaction with XXXX 's services. What XXXX did NOT know was, I am in the middle of a divorce, and I did not want to purchase a home until my divorce was final. Her actions started the clock that determines the amount of time I have to shop for other financing and homes. I'm not sure WHEN my divorce will be final. She TOTALLY threw a wrench in my plans. 

Credit scores are so difficult to build and maintain. I am sorely disappointed in XXXX 's lack of integrity, organizational skills and character. She should have gone to farther lengths to ensure that MY plan was executed. She basically SAID one thing and DID another. I am not going to stop until those 30 POINTS that I lost IMMEDIATELY on my credit score are RESTORED!!!!