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Carolina Farm Credit, PCA

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Reviews Carolina Farm Credit, PCA

Carolina Farm Credit, PCA Reviews (3)

My wife and I were looking into building a house and got a referral to ***at the roxboro locationShe was nice the first time meeting but gave us wrong information costing us money and timeShe blatantly lied to my wife about what she told us even though we were both their and heard exactly what she saidAlso would not get back to us for over days and when we finally got hold of her she yelled about being to busy for usBe warned this place is horrible and she is not helpful one bit

My wife and I were looking into building a house and got a referral to [redacted]at the roxboro location. She was nice the first time meeting but gave us wrong information costing us money and time. She blatantly lied to my wife about what she told us even though we were both their and heard exactly what she said. Also would not get back to us for over 3 days and when we finally got hold of her she yelled about being to busy for us. Be warned this place is horrible and she is not helpful one bit.","neg-1

I did not give [redacted] at Carolina Credit permission to check my credit remove from all 3 credit agencies please We were talking to her about a loan we did not even say which one refinance or line of credit she just pulled without asking The home is under construction we could not even get an inspection as we told her I have the emailsWe were just talking ...interested only in talking as stated in email not now home is not ready for inspection !Desired Settlementcorrect credit reports from all 3 agencies[redacted] my husband and myself [redacted] and to "destroy" all documents of ours she pretend to try to get us a loan before I called the office in Yanceyville NC and complained they/ manager gave me her again...Business Response Contact Name and Title: [redacted] AttorneyContact Phone: XXX-XXX-XXXXContact Email: [redacted]@carolinafarmcredit.comCarolina Farm Credit inquired into the consumer's credit as permitted in response to a written request for a loan. As the credit investigation was permissible, no correction is required to be made regarding the credit reports.Federal law prohibits us from destroying the documents, however in response to the complaint, we have limited access to the files. Consumer Response No They did not give all the email here it is want to upload the original email she changed it I have all the emails please assist unfair practices by [redacted] God knows it is a lie! I ask her to wait till house was finished it is being remodeled it is in the email! Final Business Response If an upload was available, I would submit the email communications between the applicants and our institution including the original email dated February 19, 2016. You would be able to see the entire email communication as evidenced by the original message dated February 19th not containing the "re:" response indication in the subject line as the later dated emails that have been provided contain. The original email indicates their request to apply for credit, specifies the loan amount requested, the intended use of the proceeds and the collateral being offered. As the request was received late on a Friday afternoon, the request was confirmed by email Monday morning February 22, 2016 with the specifically worded question "do you still wish to apply for this loan" to which the applicant responded "yes ma'am I sure do".As a lender, we consider the applicants' credit information separate from the value of collateral being offered. The creditworthiness of the customer is the primary qualifier for the loan. While we respect that the applicants did not yet feel that the collateral was ready for any kind of inspection, as they had applied for a loan we inquired into their credit history as is typical for all credit applications. The credit information was sufficient for us to determine that we were not able to underwrite the loan. Therefore, the request to wait on the inspection of the collateral's condition had no bearing on the timing of nor the permissible purpose of the credit inquiry which was made. More Info Received From Consumer I did not give [redacted] permission to check my credit at that time! She used old information from 2015 to do that and it has has been since removed for her by Carolina Farm Credit. In the email I sent her it said "wait " the house was not finished it is clearly stated nor does she have new documents for 2016 like check stubs or taxes as she ask for in the email.I am just going to sue them!!!I only asked Carolina Credit to remove the inquiry and protect my information after [redacted] did this we were Very concerned.Carolina Credit was not concerned about the women taking action when we said wait, and using old documents from 2015 not update 2016 income to do it ! Carolina Credit was told through an email to [redacted] we wanted loan but when the home was finished being remodeled you can't even get an home inspection with the walls and floor tore up!

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Description: Farm Ranch Loan Companies, Mortgage Bankers, Real Estate Loan Companies

Address: 110 E Beaver St, Siler City, North Carolina, United States, 27344-3402

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