Finical, Inc Shift Payment Processing ran my credit report WITHOUT my permission AND denied my account approval with NO explanation! Dallas TX

I was trying to setup a payment processing solution with Finical that is called Shift Credit Card Processing. I had submitted two online call requests last month (April 2021) to which they didn't respond. So I called them on 4/21 & Darius Nasseh answered the phone who sent over a merchant account agreement which I filled out & signed. After that I got an auto reply wanting: a copy of my business voided check (didn't have any), a Copy of my ID (I sent). On 4/23 I got alerts from both Experien/Discover Credit Scorecard that my credit was run. I found they put a hard credit inquiry without my permission. At no point did ANYONE tell me that my credit would be checked! Had I known I wouldn't have tried to set this up in the 1st place!

 I talked to Darius numerous times on the phone/ via text after that. He said they couldn't take back the inquiry but assured me my account would be approved soon. He made this promise 3 times that I should hear something by the end of the day which was a COMPLETE LIE – there was NO email communication from anybody else besides him and nothing further was sent from him those days we talked on the phone. On April 26 I had him send me an email to provide my business information via the MOTO form which I sent back that same day. In that email it also said to please provide Marketing material and to confirm home/business address because the driver’s license and application had a different address – the credit report didn’t match to the application.

 April 28th I asked him in an email: Why did u tell me on 3 different occasions that I would have the login by the end of the night yet I don't? What is really going on?

He said that same day: “Hi Scotty,

Underwriting has certain guidelines to follow and after each piece of information we sent them something else came up. I apologize for any inconvenience this may have crossed all we need is that utility bill proof of address and you are good to go.”

 So later that same day I sent him the cable bill which was in my friend’s name as I didn’t pay the utility bills for my house. Since that didn’t contain my name I also sent him a copy of the my credit union statement with my address showing on it as well, explaining this to him too.

 On April 29th at 3:11 pm CST I sent him a text asking “Everything all set with the login?” He said “Can you put together something for marketing material just a flyer or something? They need to validate the business and know how you are getting customers”

Tomm. I did just that and sent him a flyer that I created. I messaged him twice later that day if the login was approved now but he did not bother to respond. So on May 3rd I sent Darius an email saying: “I still have no login link. What’s the holdup?” He didn’t reply so I forwarded the email the next day to him to which he simply replied at 10:27 am May 4th in 7 words saying: “Hi Scott, Sorry your account was declined.”

I tried calling him both on his cell and work number about it but he didn’t answer or return my call. Nothing on the website of www.shiftprocessing.com indicates that a credit report would be pulled with doing a hard inquiry. That is not right and this needs to be presented. I did not like getting the run around from this guy saying things like “don’t worry you should have a login at the end of the day” over and over again! Please see attached e-mails from him to prove my points.