Complaints
This profile includes complaints for Alcova Mortgage, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 1 complaint in the last 3 years.
- 1 complaint closed in the last 12 months.
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Initial Complaint
Date:03/03/2025
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.
****** ******* assured me it was only pre qualification and no effect to my credit. I’ve got proof of that in a text. Then he did a hard inquiry which I didn’t give him permission to do at all. I sent him a screenshot where it knocked my credit 49 points. He said he would rectify it that day. He stopped communicating with me and then last week he sent me a text saying he wasn’t spending 2 hrs a day to fix because I wasn’t a client of his and I needed to worry about other things. I never gave permission for a hard inquiry at all and I’ve been working too hard to get my credit up for him to be able to tear it down without permission. He’s the one who did the mistake and he needs to fix it ASAP!! All I want is for this hard inquiry off all credit bureaus immediately! It’s not fair how he has talked or treated me and I’ve left several voicemails at corporate office and nobody will return my call. This is not how a business should treat someone when they made the mistake
Business Response
Date: 03/07/2025
ALCOVA strives to provide every client with excellent service. There seems to have regrettably been some misunderstandings & we are grateful for the opportunity to address them. The bureaus will only consider removing an inquiry in cases of fraud or a lack of permissible purpose. Neither scenario applied in this situation though as the client authorized both a soft and hard credit pull in writing (attached). What the loan officer relayed was that he would inquire about improving the client’s credit score. A plan for that was developed and delivered. However, the application process halted after the client stated the strategy could not currently be fulfilled. We hope this information provides clarity.Additionally, a single inquiry will take less than five points off most people's FICO Score, so additional factors had to be at play in the client’s credit score reduction. Also attached is further credit information which may be helpful to the client.Customer Answer
Date: 03/10/2025
I have reviewed the response offer made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below. Regards, These screenshots prove that there was not suppose to be a hard inquiry. As far as the email you sent I never saw that email before and I never signed for it so anyone can make up an email. In the texts he says he was going to fix it because it was a pre qualification and no hard inquiry. All I have wanted was to get this off my credit because I gave nobody permission to run a hard inquiry on my credit. I want it off all 3 credit bureaus asap ******** ******
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