| 04/07/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I submitted my application for refinancing to " Golden Oak Lending on XX/XX/2020.
My loan officer at Golden Oak Lending, informed that he could refinance my home loan, with the Chapter XXXX bankruptcy in place. I was informed that I needed " 2 '' out of 3 credit scores to be above 580.
According to Golden Oak Lending, they submitted my application for refinancing but reported was declined due to my low scores, but failed to give a date, of when it was submitted to their underwriting team. Based upon their response, they pointed out that being in a Chapter XXXX, my scores currently reflect ( XXXX, XXXX ). The question is obvious, how do Golden Oak Lending, know what my current scores are, if indeed they have closed my case, as it pertains to their denial?
I am submitting evidence that contradicts this assertion with Golden Oak Lending of me having low credit score ( s ) at the of refinancing with them During the time of my refinancing process with Golden Oak Lending, my scores were in the acceptable guideline range for refinancing while in a Chapter XXXX. My score with XXXX XXXX alone indicated ( XXXX ), ( XXXX ) and ( XXXX ), substantially, well above required range.
All these scores, Golden Oak Lending were privy too and had knowledge of, during my refinancing application process. It was not until, I contacted the corporate office and filed a complaint with the ( CFPB ), that they changed their direction and/or standing in approving my loan.
Just to provide additional supporting evidence, to prove the discrepancies, in their report, I had to insist upon Golden Oak Lending, following proper protocol, when it comes to an applicant 's denial. I asked, that they send to me in writing a denial letter.
Subsequently, I received a letter on ( XX/XX/2020 ), of which was post marked for ( XX/XX/2020 ) ; which again, was after the filing of the complaint ( s ). Thus, the evidences shows their negligence in consumer and lending regulatory guidelines.
In closing, Golden Oak improperly/ missed handled my refinancing application submitted to them, my credit information and negatively has impacted my credit report.
I am requesting that Golden Oak present their underwriting documents to support their assertion ( s ).
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| 09/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I emailed Vice President XXXX XXXX at Goldenoak Lending for him to explain the process of obtaining a home equity line of credit. He pulls my credit without my consent and now i have a ding on my credit report because of it and not once did i ever give him permission to pull my credit. I simply asked how the process worked. Hes tried to cover his tracks by telling me oh it doesn't hurt my credit for that type of stuff but when you look at the credit report, a mortgage inquiry is very high risk on experian. i told his company what happened in a support chat and all the said what sorry for the misunderstanding. This is extremely unprofessional and i believe they should be able to get this removed off of my credit report.
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| 03/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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GoldenOak lending obtained my credit report that resulted in a hard hit against my credit without authorization from me to run my credit report. I've reached out to them concerning this matter and was assured that XXXX XXXX who obtained my credit report at their request on XX/XX/21 would go in to have the search/ hard hit removed! This has not happened resulting in my searching for remedial action. I have even received an email from the Sr Loan officer XXXX XXXX advising that he would get this cleared up after phoning initially the number obtained from my credit report and then reaching out to him after receiving an email offering refinance loan services.
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| 05/15/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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My mortgage is with XXXX XXXX XXXX I received the attached letter that, at first glance, appears to be from them. In one spot, in very small print, it references XXXX XXXX XXXX. This is very misleading. I did not call the number, but wanted to express concern that someone could call thinking it was from their lender and not XXXX XXXX XXXX
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| 12/08/2016 |
No |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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I received a mail advertisement from this mortgage company and it does not contain the required non-solicitation opt-out information. Also, I am on the non-solicitation list and just renewed 6 months ago. They are illegally using lists that contain people who have opted out of mail advertising.
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| 02/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I inquiried about doing a refinance with Golden Oak Lending after receiving a flyer in the mail, after providing my interest rate I was told that the rate on the flyer was old and they could not do better than the rate I already had, yet they did an credit inquiry after the fact.
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| 11/23/2022 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Applied for FHA mortgage with more than 10 % to get denied multiple times because of inaccurate credit reporting and financial costs
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| 04/13/2022 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Older American |
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| 03/31/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Referral |
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| 10/21/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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| 07/13/2017 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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