LoanDepot Mortgage Complaint

VA mortgage Credit decision / Underwriting

LoanDepot Mortgage department,

VA mortgage Credit decision / Underwriting Texas

I refinanced my mortgage through Loan Depot in - of 2015. I have used their mortgage servicing website to make payments etc. On - - 2015 I received an e-mail from Loan Depot Personal Loans that an account had been established using my e-mail address. I thought this was identity theft because I never applied for a personal loan. I tried to log into the account but was unable to even through password reset. I called the - number and was told their IT department would look into it. A few hours later - called me. - told me that she did not think this was identity theft. I asked her why and she asked me if I knew - -. - - was the Mortgage Broker at Loan Depot that processed my refinance. - told me that the account had been created by - -. I asked - why - - would have created a personal loan account in my name and she told me I should speak with him. - told me that on the Application that - - submitted at around - that he had obtained my verbal consent over the telephone prior submitting the application with my information on it. I told - - did not request a personal loan and she closed the account. I got an e-mail that said the loan application had been terminated at my request and informed me that my credit score was a - obtained by -. I e-mailed - - about running my credit and opening a personal loan account without speaking to me but claiming to have my consent over the telephone. I am not sure what - - 's intentions were but his actions are unethical and illegal. I have copies of all of the email and the 3 minute voicemail message he left me.

LoanDepot customer in Texas
Jul 02, 2015

* Source: CFPB Complaint Database

LoanDepot response to complaint:
Closed with explanation

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