Mortgage -- Applying for a mortgage or refinancing an existing mortgage -- Complaint #18057814
Complaint Overview
Complaint ID: 18057814
Company: Ark-La-Tex Financial Services, LLC
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-Issue: Application denials
State: New Jersey
ZIP Code: 088XX
Date Received: 2025-12-01T12:00:00-05:00
Date Sent to Company: 2025-12-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a formal complaint regarding the unacceptable and discriminatory treatment I received while applying for an FHA loan through your company. During my application process, I was told that XXXX would perform only a soft credit pull, yet a hard pull was done without my consent. This negatively affected my credit, even though my score was XXXX, which should not have been an issue for an FHA loan. Even more concerning, I was informed by your representative that XXXX does not work with people who are on XXXX. This statement was extremely offensive, discriminatory, and completely inappropriate. It is unacceptable for a financial institution to deny service on the basis of XXXX status. The representatives overall attitude was unprofessional, rude, and dismissive throughout the interaction. I expect to be treated with dignity and fairness, and this experience was the exact opposite. I am requesting the following : XXXX. A full investigation into this incident. XXXX. Immediate removal or correction of the unauthorized hard credit inquiry. XXXX. Written confirmation of the steps XXXX will take to prevent discriminatory practices going forward. Please acknowledge this complaint and inform me of the next steps as soon as possible. mikewatson.benchmark.us
Frequently Asked Questions
What is Complaint #18057814 about?
Complaint #18057814 was filed against Ark-La-Tex Financial Services, LLC regarding Mortgage specifically about Applying for a mortgage or refinancing an existing mortgage. It was received by the CFPB on 2025-12-01T12:00:00-05:00.
How did Ark-La-Tex Financial Services, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Ark-La-Tex Financial Services, LLC?
Yes, visit the Ark-La-Tex Financial Services, LLC company profile at readthecomplaint.com/company/ark-la-tex-financial-services-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.