Let me start by saying I closed on a home equity loan with Rock Financial three years ago. They immediately sold it off, but have kept in contact with letters, email and freebie giveaways like Piston's tickets or car wash coupons. My home mortgage was acquired through Countrywide and was never associated with Rock Financial.
A couple weeks ago I got a call from Countrywide offering to check if a lower rate would be available to me. I hadn't checked in awhile so I let them give me a quote. They asked permission and I allowed them to check my credit score. They couldn't do any better than my current rate so I politely ended the conversation. Well, the next day I got a frantic call from my "mortgage expert" at Rock Financial asking why I was trying to refinance with someone else! She noticed an inquiry on my credit report and was hurt that I hadn't contacted her for the loan instead. I was totally floored and had no idea that she had access to do that sort of thing. I honestly don't remember giving permission to monitor my credit daily, and I wouldn't have knowingly done it. She continued on with a guilt trip that they had been sending me all kinds of free things and she was supposed to be my mortgage agent for life crap. I humored her and let her give me a quote. Needless to say the interest rate was higher and the costs & points were much higher than the other quotes I had. She tried to tell me that many other companies couldn't be trusted and she was sure I would be happier with Rock.
I'm definitely going to check into how I can stop Rock from doing this anymore, and whether it's legal for them to do it. There's probably some clause about me still having a business relationship with them by accepting their freebies.
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