Complaint / review text:
On January 22,2014, I contacted Calvin Guyer with First Financial Bank to check in their rates and possibly refinancing the mortgage loan I currently have with his bank. Without my authorization, Mr.
Guyer pulled a hard inquiry on my three credit reports which hurt my credit score. On December 2,2014, I sent a letter to First Financial Bank's corporate office to request a copy of my authorization by as of today, I have not received a reply. I contacted Mr. Guyer and the manager of First Financial Bank's Credit Reporting Department Jenny Day and they both informed me they could not produce a copy of the authorization and refused to remove the inquiry from my credit report.
I would have never contacted First Financial Bank about refinancing my mortgage if I knew they would preform a credit inquiry without my consent. This inquiry has lowered my credit score and made it very difficult for me to refinance my mortgage.