Pinnacle Capital Mortgage Mortgage Complaint

Pinnacle Capital Mortgage Mortgage department,

Conventional fixed mortgage Application, originator, mortgage broker California

I reached out to - - at - Mortgage Planning in - -, CA inquiring about a mortgage loan. He was referred by a co-worker and has familiarity with my positions pay structure. I had yet to file my -/-/- taxes and asked if he could look over my financial information to let me know what was possible for a mortgage. I specifically told him I was not applying yet but as he was referred, wanted to have a discussion about my numbers so I could decide if I wanted to increase/decrease my - deductions. We specifically discussed that my SSN was not needed at this time as I did not want my credit run. I uploaded my financials including -/-/- filed tax returns and -/-/- draft tax returns into their 'cloud ' for his review. The next morning - called me letting me know that I looked good for '- ' dollar amount of a loan and had a great score at -. I asked why he knew my score as we had talked the evening before about NOT pulling my credit. He apologized strongly and said the good side was that we would not need to run my credit again. He apologized again saying his staff automatically pulled the information and ran it. I told him as manager of his office he is responsible for managing his staff and that he had assured me we would n't run my credit yet. Of course I had not blacked out my SSN on my taxes, so he secured my information from there. Bottomline : - did NOT secure my permission to pull my credit. In fact he was specifically instructed NOT to pull my credit. I want the record cleaned up from my credit score with all - agencies.