BBMC Mortgage

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11596758, and find that this resolution is satisfactory to me.
Sincerely,
David [redacted]

Complaint: 11127015
I am rejecting this response because: No resolution. I can send emails and documents if needed, however I assume you have access to them. 
Sincerely,
Martha [redacted]

The appraisal has been transferred on 4/11/2017.

Initial Business Response /* (1000, 5, 2015/08/21) */
BBMC takes all customer complaints seriously. After reviewing the loan we do see that BBMC received verbal authorization as well as signed authorization to pull your credit and proceed with an application on 6/29/15. The credit was pulled on...

6/29/15 and the initial disclosures were sent on 6/29/15. As an act of good faith BBMC will refund the borrower the appraisal fee today in the amount of $500. He hope that this can resolve the issue.
Initial Consumer Rebuttal /* (3000, 7, 2015/08/30) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I would also like the credit inquiry removed from my credit file.[redacted] 100% ran my credit without permission. I spoke with his junior processor My the week before speaking with[redacted] and made it clear to her that I did not want my credit ran when she was asking me a bunch of financial questions. She said she did not have authorization to do this sort of thing and that[redacted] would not run my credit until getting my approval. When I spoke with[redacted] a few days later he started asking me a bunch of financial questions as well and I stopped him and told him I just wanted information and if I decided to move forward with his company I would let him know. Apparently he ran my credit right then without ever getting permission from me. This is how I originally spoke with [redacted] because I wanted the credit inquiry reversed due to this violation of my personal information, but I ended up being talked into giving them a second chance. It was not until July 6th that I even received any paperwork and agreed to move forward.[redacted] wanted me to just sign the papers that he had created on June 29th (when he did not have my permission to run my credit) and I demanded updated paperwork because I was not going to trust that I was getting the lower rate that he was now offering me. I have an email where he clearly requests that I back date the original documents to 6/29 and then date the new documents 7/6. When I questioned why I had to sign any "old" documents when they were not going to have any bearing on the new rate I was being offered I was told they couldn't give me the new rate without showing the old rate paperwork- that was also probably a lie. I don't appreciate that they are trying to use back dated documents as proof that they did not violate my rights as a mortgage consumer. They absolutely have no documentation that was ever signed by me prior to July.
Final Business Response /* (4000, 11, 2015/09/11) */
As an act of good faith to resolve the issue we will contact the borrower and wirk with her to have the credit inquiry removed.