Description

I had researched refinancing options for a vehicle in credit karma after offers in my account from 2 different companies under the names rategenius and autoapprove, which they offered soft credit check which would not affect my credit. After filling out forms on credit karma which were submitted for a no ding credit check that was offered. It showed various options for refinancing on both these sites on my credit karma. Then I received a call from Aaron Morris and text stating I was approved for a loan and to contact if interested. Of course because of the low interest rate, I called back to Aaron and he indicated that the loan was approved and additional information would be needed, such as Drivers license, income etc. Which I provided and the continously request more personal information for months with the phrase, "approved loan", they continue to request more information and at that time, I found out that they had run a hard credit check without my permission. When I inquired about that information, Aaron stated that it was somewhere on the form that I filled out at the initial request. I informed him that on credit karma it stated the credit check would not ding my report. This was false and they kept calling me after I told them that I would not agree to continue the refinancing as the " approved loan" was not approved and they kept asking for more financial information, that I have never had to disclose repeatedly in different forms with more of my personal information. After months of them continuely contacting me with incentives in order to get more information. I have told them repeatedly that the only reason I was even dealing with the was that they did the credit check without my permission. They have continuely lied about the "approved loan" in order to get more private financial information. They continue calling and texting with "approved loan to refinance my vehicle. They have been shady since the beginining and everytime I questioned why they needed the information, they would act like I was the issue why the loan was not approved, but again indicating the "approved loan" would be done next week, which has gone on for a couple of months. My neighbor told me that the savings group had done the same thing sending him the approvals thru the credit sites like credit karma, seaseme credit sites. I am afraid of them using the information I provided to them since the "approved loan" was never done.