Pacific Funding Group

Initial Business Response / [redacted] (1000, 5, 2015/08/20) */ We worked with [redacted] for four months; I first took her loan application over the phoneShe goes by ***, when her credit was first pulled it was with her first name as ***At the time of the call we requested financial documentation if in fact she would like to move forward with the transactionShortly after she had everything together the [redacted] agreed to pick up her documents from herOnce we had the documentation we realized her legal name was [redacted] so we pulled credit to reflect that correctly for the loan fileAt that 2nd Credit Pull her score dropped below the minimum required for conventional financingWe did credit repair and brought the score back upThe credit had to be pulled a 3rd time to reflect the credit repairWhen the loan was approved we had to wait for the rates to come down to give her the desired rate she was looking forAfter a couple months of waitingThe credit report expired by that time and we had to pull it a 4th timeAt that time her score went up considerablyI will attach the letter and the page showing the many number of credit pulls that do not belong to Pacific Funding GroupThis client has had several companies pull her creditIn addition [redacted] and her husband [redacted] still have outstanding invoices for all the work done on their fileWe have tried to contact them recently with no response Inquires on Credit Reports have to drop off over timeThey cannot be removed Thank You [redacted] Operations Manager Pacific Funding Group Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/08/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) There was never a problem with my creditGet it rightPacific funding did not do any credit repairThey were supposed to get a refinance for my home [redacted] never told me that because of a low score we would have to outside the harp refiHe shopped us around, contacted my bank regarding my insurance, had my lien holder changed, had an Appraisal done that wasn't neededHe quoted me so many different rates, and ended with trying to make me pay $For a better rateI have since refinanced, at the rate I requested at no charge and the company was able to view our credit reports, see the several unapproved hits to our credit and dismissed them as frivolous checking and approved usI have the emails and the voicemail to show that [redacted] was aware I was going with another company and checked my husband's credit anywayIf they were trying to improve my credit, why is there hits to our credit from Pacific funding and their affiliates? Wouldn't that lower our credit making it harder to get a refi? One of the companies that [redacted] had check my credit is the company that ended up as lien holder on my homeownersSomeone over is intentionally confusedIf the credit checks are to remain for up to two years, we will be following up in another mannerThank you Final Business Response / [redacted] (4000, 15, 2015/09/25) */ Good afternoon, I have mailed a letter to [redacted] this week and are awaiting her responseI have sent a detailed list of all the credit inquiries and who was responsible for pulling them I hope this will clear up any confusion Thank you Final Consumer Response / [redacted] (4200, 19, 2015/10/06) */ (The consumer indicated he/she DID NOT accept the response from the business.) I appreciate [redacted] responding in a kinder manner but am still not happy that they have not attempted, to my knowledge, to clear any of the inquiries off of our creditI would have appreciated a call from the company,which I had previously requestedI would have hoped this would have been handled differently and appreciate the Revdex.com being available to help in trying to bring this to a comfortable closeI have viewed the company's response and have read the letter but unfortunately am still in disagreement with their stance on thisShould the company wish to call, I would be more than happy to furnish what I have so that they may spend their energy correcting this problem

Initial Business Response /* (1000, 5, 2015/08/20) */
We worked with [redacted] for four months; I first took her loan application over the phone. She goes by [redacted], when her credit was first pulled it was with her first name as [redacted]. At the time of the call we requested financial documentation if...

in fact she would like to move forward with the transaction. Shortly after she had everything together the [redacted] agreed to pick up her documents from her. Once we had the documentation we realized her legal name was [redacted] so we pulled credit to reflect that correctly for the loan file. At that 2nd Credit Pull her score dropped below the minimum required for conventional financing. We did credit repair and brought the score back up. The credit had to be pulled a 3rd time to reflect the credit repair. When the loan was approved we had to wait for the rates to come down to give her the desired rate she was looking for. After a couple months of waiting. The credit report expired by that time and we had to pull it a 4th time. At that time her score went up considerably. I will attach the letter and the page showing the many number of credit pulls that do not belong to Pacific Funding Group. This client has had several companies pull her credit. In addition [redacted] and her husband [redacted] still have outstanding invoices for all the work done on their file. We have tried to contact them recently with no response.
Inquires on Credit Reports have to drop off over time. They cannot be removed.
Thank You
[redacted]
Operations Manager
Pacific Funding Group
Initial Consumer Rebuttal /* (3000, 7, 2015/08/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
There was never a problem with my credit. Get it right. Pacific funding did not do any credit repair. They were supposed to get a refinance for my home. [redacted] never told me that because of a low score we would have to outside the harp refi. He shopped us around, contacted my bank regarding my insurance, had my lien holder changed, had an Appraisal done that wasn't needed. He quoted me so many different rates, and ended with trying to make me pay $2000. For a better rate. I have since refinanced, at the rate I requested at no charge and the company was able to view our credit reports, see the several unapproved hits to our credit and dismissed them as frivolous checking and approved us. I have the emails and the voicemail to show that [redacted] was aware I was going with another company and checked my husband's credit anyway. If they were trying to improve my credit, why is there 15 hits to our credit from Pacific funding and their affiliates? Wouldn't that lower our credit making it harder to get a refi? One of the companies that [redacted] had check my credit is the company that ended up as lien holder on my homeowners. Someone over is intentionally confused. If the credit checks are to remain for up to two years, we will be following up in another manner. Thank you
Final Business Response /* (4000, 15, 2015/09/25) */
Good afternoon,
I have mailed a letter to [redacted] this week and are awaiting her response. I have sent a detailed list of all the credit inquiries and who was responsible for pulling them.
I hope this will clear up any confusion.
Thank you
Final Consumer Response /* (4200, 19, 2015/10/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I appreciate [redacted] responding in a kinder manner but am still not happy that they have not attempted, to my knowledge, to clear any of the inquiries off of our credit. I would have appreciated a call from the company,which I had previously requested. I would have hoped this would have been handled differently and appreciate the Revdex.com being available to help in trying to bring this to a comfortable close. I have viewed the company's response and have read the letter but unfortunately am still in disagreement with their stance on this. Should the company wish to call, I would be more than happy to furnish what I have so that they may spend their energy correcting this problem.

Initial Business Response /* (1000, 5, 2015/08/20) */
We worked with [redacted] for four months; I first took her loan application over the phone. She goes by [redacted], when her credit was first pulled it was with her first name as [redacted]. At the time of the call we requested financial...

documentation if in fact she would like to move forward with the transaction. Shortly after she had everything together the [redacted] agreed to pick up her documents from her. Once we had the documentation we realized her legal name was [redacted] so we pulled credit to reflect that correctly for the loan file. At that 2nd Credit Pull her score dropped below the minimum required for conventional financing. We did credit repair and brought the score back up. The credit had to be pulled a 3rd time to reflect the credit repair. When the loan was approved we had to wait for the rates to come down to give her the desired rate she was looking for. After a couple months of waiting. The credit report expired by that time and we had to pull it a 4th time. At that time her score went up considerably. I will attach the letter and the page showing the many number of credit pulls that do not belong to Pacific Funding Group. This client has had several companies pull her credit. In addition [redacted] and her husband [redacted] still have outstanding invoices for all the work done on their file. We have tried to contact them recently with no response.
Inquires on Credit Reports have to drop off over time. They cannot be removed.
Thank You
[redacted]
Operations Manager
Pacific Funding Group
Initial Consumer Rebuttal /* (3000, 7, 2015/08/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
There was never a problem with my credit. Get it right. Pacific funding did not do any credit repair. They were supposed to get a refinance for my home. [redacted] never told me that because of a low score we would have to outside the harp refi. He shopped us around, contacted my bank regarding my insurance, had my lien holder changed, had an Appraisal done that wasn't needed. He quoted me so many different rates, and ended with trying to make me pay $2000. For a better rate. I have since refinanced, at the rate I requested at no charge and the company was able to view our credit reports, see the several unapproved hits to our credit and dismissed them as frivolous checking and approved us. I have the emails and the voicemail to show that [redacted] was aware I was going with another company and checked my husband's credit anyway. If they were trying to improve my credit, why is there 15 hits to our credit from Pacific funding and their affiliates? Wouldn't that lower our credit making it harder to get a refi? One of the companies that [redacted] had check my credit is the company that ended up as lien holder on my homeowners. Someone over is intentionally confused. If the credit checks are to remain for up to two years, we will be following up in another manner. Thank you
Final Business Response /* (4000, 15, 2015/09/25) */
Good afternoon,
I have mailed a letter to [redacted] this week and are awaiting her response. I have sent a detailed list of all the credit inquiries and who was responsible for pulling them.
I hope this will clear up any confusion.
Thank you
Final Consumer Response /* (4200, 19, 2015/10/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I appreciate [redacted] responding in a kinder manner but am still not happy that they have not attempted, to my knowledge, to clear any of the inquiries off of our credit. I would have appreciated a call from the company,which I had previously requested. I would have hoped this would have been handled differently and appreciate the Revdex.com being available to help in trying to bring this to a comfortable close. I have viewed the company's response and have read the letter but unfortunately am still in disagreement with their stance on this. Should the company wish to call, I would be more than happy to furnish what I have so that they may spend their energy correcting this problem.