Mortgage Research Center Complaint

Mortgage Research Center, LLC Mortgage department,

VA mortgage Application, originator, mortgage broker Georgia

In approximately - I contacted Veterans United to pursue a home loan from a Veteran friendly lender. I was assigned to - -. - & I spoke & I gave him permission to pull my credit report. Once my credit report was pulled on -/-/- I was told by - that I needed to pay down - personal accounts & was notified that there was a medical collections on my account totaling less than $100.00. I was advised to pay the collections & " ask them to delete it. It 's really new so it should boost your score up. If they refuse to delete it then do n't pay it. '' I was able to pay the roughly $ - on the personal accounts & I paid the collections & the company deleted it. - stated that we would wait until the middle of - to recheck the credit scores. To my dismay, instead of waiting, once I informed - that i had paid the accounts & the collections would be deleted, he pulled my credit report again on -. He stated that my scores still had not increased enough to meet the home loan qualifications, but the bureaus

wait before going to the next step. I was not sure If I was going to remain with Veterans United. Instead of respecting my request, - gave my information to the the loan department & told me that i was assigned to a loan officer by the name of - -. I told - that i was disappointed because I had NOT given him permission to forward my PII to anyone else & he did so before i could respond. - called me repeatedly & then I told him I would at a minimum talk to the loan officer just to hear what he had to say. I spoke to - & he informed me that I qualified for much more than what - had quoted & that " he does n't know what he 's talking about. '' After speaking w/ - & NOT agreeing yet to secure a loan with Veterans United , - a day or - I received a - package with my information in it, the amount of the loan & my potential mortgage. - made no mention of sending this paperwork. - had mentioned that VU had their own real estate agents & that I would receive some type of incentive if I used their realtors. I told him that I had someone in mind. He went on to ask me if I would just allow one to call & tell me about their program. I stated I would " only hear what they had to say. '' Instead, I had been assigned to a realtor w/ VU who began by introducing herself as my assigned realtor. I told her that i had not agreed to such. I was very angry at this time because they continued to send my PII through to every department in the company w/o my permission. In addition the mortgage paperwork - sent included a $260.00 fee for " hazard insurance '' from another department within Veterans United. I spoke to a friend and was told that what they were doing was " solicitation. '' I emailed - & asked that VU cease & desist from any further transfer of my private information to other individuals in their company and to destroy my file with their company. He agreed & apologized, however I continued to receive calls for about 1-2 additional months from a man who identified himself as -s assistant. I never answered. He was trying to convince me to return to VU. I found a new lender in - -. She pulled my report & educated me & gave me my pre-approval letter. I was planning to close on a home nlt than -. 2 days ago I found out my credit score dropped below qualifying. The report cited, " too many inquiries/too many new accounts. '' I had not applied for any new credit. VU pulled my report 5 times from - w/o reason or permission. Now I can not purchase a home & my lease expires -. My lender ca n't pull my report again b/c of VU 's negligence.