Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Prospect Financial Group, Inc
State: CA

Complaint narrative:
My husband and I are in the process of re financing our CA home. In XXXX XXXX, I submitted through XXXX XXXX basic information which unleashed excessive calls and emails that were endless. We found a lender not associated with XXXX XXXX. Since this process started in XXXX XXXX, we continue to receive solicitation calls and emails. The last call received was on XXXX/XXXX/XXXX on Saturday night at XXXX p.m. Our lender is Prospect Mortgage. The caller said they were from Prospect Financial asking for information as well as giving incorrect detail about our terms. We refused to disclose any information and when I asked a question the caller did not answer and said she would send email and ended call. Thereafter, emails were sent confirming the call. We have a great relationship with our Certified Mortgage Consultant and immediately contacted her. She confirmed it is not her company. Prior to this call we have been receiving calls by Prospect Financial and learned it is not our lender. It seems this company is copying the logo to appear to be the same lender. See emails in attachments with detail. The emails are presumptive and disclose inaccurate detail about our loan. My concern is this company purports to be our lender and continues to solicit and email for our business. The calling time was unacceptable as well as the sales tactics. I want them to be notified this is unacceptable based on Do Not Call requirements as well as predatory towards consumer. 
XXXX Mortgage Refinance From : XXXX XXXX ( XXXXXXXXXXXX XXXX Sent : Sat XXXX/XXXX/XXXX XXXX XXXX To : XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX Cc : XXXX XXXX XXXX XXXXXXXXXXXX XXXX Hi XXXX, Thank you for speaking with me a few minutes ago. I definitely think we can help save you some money with your mortgage refinance. I 've copied your loan officer, XXXX, on this email. He will send you a customized quote based on the information we discussed ( confirmed below ) shortly. 

- Loan amount : XXXX - Loan term ( s ) : XXXX & 15 yr - Cash out : No Please do n't hesitate to let either of us know if you would like to see any other options, if anything above is incorrect, or if you have any additional questions. We 're happy to help! 

Thanks again for your time! 

Best Regards,.. 

........................... 
XXXX XXXX Prospect Financial Group, Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Direct : XXXX Fax : XXXX XXXXXXXXXXXX XXXX A+ Rated Description : cid : XXXXXXXXXXXX The information contained in this email may be confidential and/or legally privileged. It has been sent for the sole use of the intended recipient ( s ). If the reader of this message is not an intended recipient, you are hereby notified that any unauthorized review, use, disclosure, dissemination, distribution, or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please contact the sender by reply email and destroy all copies of the original message. Thank you. 
Prospect Financial Group Inc. XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX XXXX. Description XXXX : XXXXXXXXXXXX XXXX # XXXX | XXXX # XXXX ( C ) XXXX Prospect Financial Group Inc. All rights reserved XXXX

Company response to consumer: Untimely response