X  |  CLOSE
Report: #1166344

Complaint Review: Cash Call - Orange California

  • Submitted:
  • Updated:
  • Reported By: Thousand Oaks — Thousand Oaks California
  • Cash Call 1 City Blvd W #1000 Orange, California USA

Cash Call Billy WynnLoan Representative Unethical - illegal running of credit report without approval Orange California

*Author of original report: Update

Show customers why they should trust your business over your competitors...

Is this
Ripoff Report
About you?
Ripoff Report
A business' first
line of defense
on the Internet.
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

I called Cash Call approximately a month ago and did not complete my application.  Loan representative, Billy Wynn, immediately called me and answered my questions and I said I could not complete the application at this time and he said they keep it open for a month for later call backs.

Approximately a month later, I called Billy to ask questions about loan interest and employment verification.  He explained they have to see direct deposits from employer and can't use offer letters or call your employer to verify that you've been hired and have your salary confirmed.  I stated I did not understand that particular procedure and I would have to call other lenders.  Based ont he questions I asked he said he could not send the app to underwriting without Direct Deposits being reflected so it was very clear I could not submit the application and I stated that....yet Billy Wynn ran my credit anyway.

I did NOT finish the application, I DID not ask him have it processed, he did NOT ask to run my credit, I did NOT ask him to run my credit.  As a matter of fact he said it couldn't go to underwriting at this time due to no direct deposits yet.  I made it very clear that based on the procedures he told me (which were different from a month before) I COULD NOT proceed at this time.  What did he do???  He ran my credit report anyway and the following morning Cash Call emailed me a denial on the loan!!  There was no reason to run my credit with an incomplete application and especially when I did not authorize it.  I called and left him an irate voicemail informing him what he did was illegal and unethical. 

I had simply asked him a few questions he could not answer and after saying politely  I would go elsewhere he clearly did this out of anger OR in hopesl that he could call me back and say I got the money.  He pushed throuh an incomplete app and ran my credit report after I said I could not continue and DID NOT GIVE ANY TYPE OF PERMISSION TO DO RUN CREDIT.  ILLEGAL AND UNETHICAL.  I don't know if others in the company do the same thing but this individual did.  Beware of this representative!!

This report was posted on Ripoff Report on 07/31/2014 07:03 AM and is a permanent record located here: https://www.ripoffreport.com/reports/cash-call/orange-california-92868/cash-call-billy-wynnloan-representative-unethical-illegal-running-of-credit-report-with-1166344. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Report & Rebuttal
Respond to this report!
Also a victim?
Repair Your Reputation!

Updates & Rebuttals

REBUTTALS & REPLIES:
1Author
0Consumer
0Employee/Owner

#1 Author of original report

Update

AUTHOR: Thousand Oaks - ()

POSTED: Friday, August 01, 2014

Billy called me and explained that is what is done when you put info on their site.  He was polite but I said maybe you should PUT that on your site.  He said it was.  Right!  Try to find it.  So he was polite but never ever mentioned it when he called me before I ever hit submit.  Still don't quite belive him but wanted to note that he responded.  I asked to have all my info removed from their database and got a 'story' that he doesn't have the authority that it will have to be a Manager. 

Respond to this report!