Complaint Review: Cash Call

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!!