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Better Business Bureau ®
Start With Trust®
In Northeast California

BBB Accredited Business since

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BBB Accreditation

A BBB Accredited Business since

BBB has determined that Cal Tech Mortgage meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 16 factors. Get the details about the factors considered.

Factors that raised the rating for Cal Tech Mortgage include:

  • Length of time business has been operating.
  • Complaint volume filed with BBB for business of this size.
  • Response to 1 complaint(s) filed against business.
  • Resolution of complaint(s) filed against business.
  • BBB has sufficient background information on this business.


Customer Complaints Summary Read complaint details

1 complaint closed with BBB in last 3 years | 0 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 1
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 0
Total Closed Complaints 1

Customer Reviews Summary Read customer reviews

0 Customer Reviews on Cal Tech Mortgage
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

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BBB file opened: August 12, 2002 Business started: 08/19/2005 Business started locally: 08/19/2005
Licensing

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

CA Bureau of Real Estate
1651 Exposition Blvd., Sacramento CA 95815
http://www.dre.ca.gov/
Phone Number: (877) 373-4542
Fax Number: (916) 263-8943

Type of Entity

Sole Proprietorship

Business Management
Mr. Michael Keller, CEO
Contact Information
Principal: Mr. Michael Keller, CEO
Business Category

Mortgage Brokers

Alternate Business Names
Cal Tech Real Estate
Products & Services

Cal Tech Mortgage specializes in a variety of California Mortgage Loans.


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Types of Complaints Handled by BBB

BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

  • Advertising or Sales
  • Billing or Collection
  • Problems with Products or Services
  • Delivery
  • Guarantee or Warranty

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BBB Complaint Process

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Complaint Detail(s)

9/3/2012 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Unauthorized Credit File Inquiry Earlier this month I pulled a copy of my credit file from the 3 major agencies. I noticed some questionable inquiries from "Credit Plus" in Maryland. After sending them a certified letter for removal, I received a response back stateing the following: " The inquiries to your report were done at the request of our client (Cal Tech Mortgage)." Signed by a "*********." along with a contact number. On XX-XX-XXXX I contacted "*******" about this letter and asked for documentation bearing my signature that authorized them access to my credit files. She stated to me that there was "No documentation was needed just a request from Cal Tech Mortgage". Upon further investigation Cal Tech Mortgage is not a licensed Mortgage Broker in my state (KY)nor have I been attempting to obtain a mortgage of any kind. Since Cal Tech Mortgage has requested my credit files numerious times over the past year, they have no documentation authorizing them to access it & my credit file has been & still is blocked from pre-screenings. Federal & State Consumer Protection Laws have been violated.

Desired Settlement: Immediate removal of ALL inquires to my 3 major credit files & Documentation bearing my physical signature allowing access to my files. If a resolution is not received with the BBB in their time allowed then I will have no choice but to move forward with legal proceedings.

Business Response: Business' Initial Response
Contact Name and Title: **** ****** Contact Phone: XXX-XXX-XXXX Contact Email: *****@caltechmortgage.com My name is **** ****** and I am the sole owner of Cal Tech Mortgage and only person who has authority to pull credit files. I have never pulled credit on Mr ****** and do not have an account with Credit Plus, all of my credit reports are run through CBC Innovis. It appears someone is using the name Cal Tech Mortgage illegally and I would be anxious to find out who. Please send any contact information you have for "******", also there should be a reference number for credit plus that I can trace. Thank you

BBB's Final Determination: Consumer accepted resolution offered by the business.

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