1st Franklin Financial

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This company will only bait you in to apply, say that you are pre-approved to deny you. I applied for a unsecured premier loan on 10-22-2019, and spoke with Jaimini Parmar . She was able to look at my credit file to see my Equifax credit score was 785, and told me I was approved for up to $10,000 for a unsecured premier loan. She was being all nice at first, and told me to email her all of my documents. I emailed proof of my address, checkstubs, bank statements, and my identification. She told me that they only give a maximum of $5,000 at the location, and since it was over $5,000 I was requesting it would need to be sent to the regional manager. She told me that the manager would send all of my information to the regional manager, and I would hear something by the end of day. I called 3 hours after applying, and Jamini told me that they haven’t heard back from the regional manager. I called at 4:45pm, because I never received a response from Jamini regarding my application. Once I told them I was calling for Jamini, and gave the other lady my name she said Jamini was with another customer. I told her I really wanted to know if my application was approved, because I didn’t want to move forward with another company if I was. Then the lady transferred me to someone else in the office, and she told me the regional manager emailed them hours ago about me being declined. She told me that they had received the response back earlier that day! I asked why I was declined, and she said they couldn’t verify my employment through a work service system. I told her that it is impossible, because I have been with my job for years. Plus, they had documentations for every single thing they needed. I then asked to speak back to Jamini, and she wouldn’t get on the phone neither did she answer my email. Jamini have horrible customer service, had me get a hard inquiry on my credit file then wasted MY ENTIRE DAY PLAYING GAMES! I