Complaints
This profile includes complaints for First Option Mortgage, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 2 total complaints in the last 3 years.
- 0 complaints closed in the last 12 months.
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Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:09/15/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
In March 2023, I started a loan application for the purchase of the home from the Branch manager of My First Option Mortgage, I finally gave up the loan due to not reaching an agreement on the price of the unit and sent an email requesting the cancellation of the loan in date April 11. After requesting a credit report in September, I found out that MY FIRST OPtion Mortagage has continued spying on my credit reports at least 24 times in a period from April 2023 to August 2023. I want to know why this harassment of my Credit. I believe that my financial and personal information is in unscrupulous hands and I want to extend this complaint to prevent our community from being affected by these practices in Bad Faith
Business Response
Date: 09/18/2023
We're trying to understand the complaint. Outside of the initial application back in March, we haven't pulled any additional credit. Can you provide us what your seeing so we can review?Customer Answer
Date: 09/18/2023
Complaint: 20609899
I am rejecting this response because:24 SOFT INQUIRES? Can you explain the 24 Soft Pull after April 07 2023 once I requested the cancellation of the Loan? I should like to inform in writing that this seems like HARASSMENT to my credit. It would be good to know for what purpose, because I also want to make it clear that the loan application to finalize the purchase of a home owned by *****************************. Should I take this harassment as revenge against me for giving up the purchase of said home?
Sincerely,
Kharyn BranchetBusiness Response
Date: 09/19/2023
Thanks for providing, I'm looking into this.
***********************/Managing Partner
Customer Answer
Date: 09/19/2023
Complaint: 20609899
I am rejecting this response because: I will wait for the requested explanation of why this harassment and mismanagement of my credit after the date of requesting cancellation of the mortgage loan
Sincerely,
Kharyn BranchetInitial Complaint
Date:08/10/2022
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On 03/03/2022 this company put a inquiry on my credit report, and I never didnt have any application for mortgage. I call the number that show on my credit report ************** ) and they cant answer how we can solve this situation, I just want ask the company to remove this inquiry.Business Response
Date: 08/18/2022
Our apologies for not responding sooner, I received this request while I was out of the office, just now looking into this. I'll follow up once we've done our research.
Thanks, ***********************
Customer Answer
Date: 08/24/2022
Complaint: 17701949
I am rejecting this response because: How I explain on the first contact, I never authorized ************ to do anything on my credit report, so isnt fair I have to wait for they give a solution for this.
Sincerely,
************************************Business Response
Date: 08/25/2022
Our apologies for the delay in our response, we needed to understand what transpired before responding accordingly. After interviewing the Loan Officer involved with this request, we connected with the Realtor that was working with the borrower and his wife at the time. The first step in getting qualified for a mortgage is to check credit, which is what was requested of us. We had the realtor provide the attached letter explaining what transpired. Based on the information provided, we did what was requested of us, nothing more. If additional information is needed, our suggestion is for Mr. ******** to reach out to his Realtor for a better understanding.
Sincerely,
***********************
Managing Partner
Customer Answer
Date: 08/25/2022
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
************************************
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