Neighborhood Assistance Corporation of America (""NACA"") Mortgage Complaint

Neighborhood Assistance Corporation of America (""NACA"") Mortgage department,

Other mortgage Application, originator, mortgage broker Florida

On Tuesday - - 2015 at - I went into a -, Fl Naca Office and worked with - -. I asked - does Naca pull credit as a hard or soft inquiry. She responded that it would be a soft. I told her I only agree to a credit pull if it was a soft pull, NOT A HARD. She then assured me it was a soft pull that NACA is not a bank they are a nonprofit organization that helps you get approved for a mortgage loan from an actual bank. I signed any and all paperwork under false pretenses from her indication this company was going to do a soft pull and they would not be able to do a hard pull on my credit. I filed a dispute with - on -/-/2015. I continued to follow up with - for 30 days they then stated NACA 's response to my dispute was


email. I never heard from the company. I then called Naca again on -/-/15 and spoke with - in the North Carolina office and she stated she will file another complaint with their regional office and someone should give me a call back. I received a call back that same day ( -/-/15 ) from -. - stated - told me the wrong information and there is nothing they can do about it. I 've ask the company to review their cameras in - 's -, Fl office on -/-/15. Therefore they can see the footage where clearly you will see me ask - was this a hard or soft inquiry and her advising me it was a soft inquiry. I called - multiple times on -/-/15 because NACA reflected as a hard inquiry on my credit not a soft like she stated to me. I told - I did n't authorize this hard pull, she agreed that I indeed asked was it hard or soft pull and that the company should not reflect as a hard inquiry only as a soft. After asking for her assistance to remove the hard inquiry she then stated well I 've been working here for years and you 're the only person to say we show up as a hard inquiry on their credit. There is nothing we can do about it and this is n't the company for you. '' I told her to cancel my membership with this program because I do not want to be a part of it. The documents I signed were under false pretenses therefore this company needs to remove this hard inquiry off of my credit. After speaking with - manager - and researching similar cases I decided to contact Naca 's legal department. I called their legal department on -/-/2015 and spoke with -. He explained to me he never handled something like this so he would have someone call me back. I received a call back from - in the executive office on -/-/15 he stated he would have to see if there is anything he could do and he would give me a call back within - hours. I never received a call back from him. I called - and left a voice mail on -/-/15. - never contacted me. I then called him again on -/-/15 and left a voice mail and called me back that same day ( -/-/2015 ). - stated Naca is not willing to admit they are at fault ( in which it is the manager gave me the wrong information ). I would have to pursue a lawsuit and or do a complaint with the credit bureaus. However if I decided to do those things Naca will not admit to any wrong doing. '' He also stated I did n't call Naca back until two days later to ask if it was a hard or soft pull, which indeed is a lie! ( I have my phone records to prove I called - at the -, Fl office on -/-/15 several times to get this off of my credit report because she told me in her office on -/-/15 they only do soft pulls. )