Mortgage -- Applying for a mortgage or refinancing an existing mortgage -- Complaint #18657934
Complaint Overview
Complaint ID: 18657934
Company: Mortgage Choice LLC DBA: Motto Mortgage Choice
Product: Mortgage
Sub-Product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-Issue: Negative impact of inaccurate appraisal
State: Florida
ZIP Code: 34219
Date Received: 2025-11-18T12:00:00-05:00
Date Sent to Company: 2026-01-12T12:00:00-05:00
Company Response: Untimely response
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX performed an unauthorized hard credit inquiry TODAY ( XX/XX/year> ) after I explicitly requested a soft pull only for USDA pre-qualification. I have text messages proving : I asked for a soft pull only XXXX XXXX acknowledged the request She performed a hard inquiry anyway without separate written consent or disclosure that it would lower my score This violates the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ) ( A ) and CFPB Regulation V. The hard inquiry has already dropped my credit score 5 points and is jeopardizing my ability to purchase a home. I demand : 1. Immediate removal of the hard inquiry from XXXX XXXX XXXX XXXX XXXX. Written confirmation of removal within XXXX hours XXXX. Compensation for any damages caused Attached : screenshots of text messages with XXXX XXXX and agent XXXX XXXX confirming soft-pull request.
Frequently Asked Questions
What is Complaint #18657934 about?
Complaint #18657934 was filed against Mortgage Choice LLC DBA: Motto Mortgage Choice regarding Mortgage specifically about Applying for a mortgage or refinancing an existing mortgage. It was received by the CFPB on 2025-11-18T12:00:00-05:00.
How did Mortgage Choice LLC DBA: Motto Mortgage Choice respond to this complaint?
The company responded with: "Untimely response". The response was not 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 Mortgage Choice LLC DBA: Motto Mortgage Choice?
Yes, visit the Mortgage Choice LLC DBA: Motto Mortgage Choice company profile at readthecomplaint.com/company/mortgage-choice-llc-dba-motto-mortgage-choice 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.