Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Momnt Technologies, Inc.
State: CA

Complaint narrative:
On XX/XX/scrub> XXXX I was scheduled and visited by a representative ( XXXX XXXX ) from XXXX XXXX XXXX XXXX for a re-quote for converting my bath tub into a walk-in shower. 

During this visit with XXXX XXXX, I was provided with a contractor 's quote of XXXX for the project. I explained to XXXX XXXX, prior to the visit, that I would been needing to make financial installments on the project, due to my Veteran 's Benefits Grant ( HISA ) that would be reimbursing me for completing the project. 

XXXX acknowledged the financial installment loan to complete the project. This is where the financial company ( Momnt ) came into the picture, because XXXX informed me that Momnt XXXX  just needed to conduct a quick credit check for the installment loan. 

in addition, XXXX provided me with a paper credit application and informed me that if Momnt XXXX did not approve the installments, then I would need to complete the paper application for a " XXXX XXXXXXXX. '' At the same time, during the visit, XXXX drafted an online Contract Agreement and explained how the contract is only a non-binding agreement. After reviewing the agreement which stated that I would need to either accept the agreement or cancel it within ( 3 ) days. 

After reading the agreement, and as a XXXX XXXX XXXXXXXX, I was allotted ( 5 ) days instead of ( 3 ) days. After the visit with XXXX, I had attempted to contact him on several occasions, prior to the ( 5 ) day cancellation of the agreement. 

On XX/XX/year>, I received an email notice from Momnt XXXX company denying my installment loan. The email notice made that decision for denying my loan in the fact that they decided from stating my entire credit history from day ( 1 ), but gave not specific reason ( s ). 

On XX/XX/year>, I sent Momnt XXXX company an email ( Requesting ) a denial letter, by law, to specify reason ( s ) for denying the installment loan ; especially when I have a credit score that is in fair 651 status. 

Strangely, after attempting to contact XXXX via email and phone contact, I discovered that XXXXXXXX XXXX email was not a working r valid email address. In addition, I did not receive a call back on the 3rd day. 

I became concerned about Momnt XXXX XXXX and XXXX XXXXXXXX XXXX XXXX company, because as of XX/XX/year>, I have not received the requested letter that specifies actual reason ( s ) for their decision.

On XXXX XXXX XXXX, I made the decision to submit and email the ( 5 ) day cancellation with a reminder notice of the ( 5 ) day senior cancellation expiration date. On the same day, after sending the cancellation copy to XXXX XXXX XXXX XXXX company, I received a call from XXXX XXXX, via voicemail. 

On the voicemail, XXXX informed me that even though you sent the cancellation of the agreement, they would not take any action on it, because the agreement was " Contingent '' upon the company 's approval. 

I did not believe any of his statement, due to the fact that he would not provide me a status of the paper financial application that he had gave me, during his visit. In addition, XXXX would not call me back during the agreement cancellation period. 

In my opinion, I believe that Momnt XXXX company refused to approve the installment loan is due to the fact ( s ) that instead of looking at my fair credit score, Momnt allegedly looked into my race.

I am aware of the fact that loan companies can and often does look at applicants race in order to make decisions on loans. This is an allegation of ( Discrimination ) on its face. The reason for this opinion, is the fact that Momnt XXXX company utilized my entire credit history an order to make an unfavorable decision. 

In conclusion, Momnt XXXX company violated my legal rights against alleged discriminatory business tactics to endure denying certain XXXX applicants are not approved for loans. 

End of Complaint I

Company response to consumer: Closed with explanation