Pacific National FundingReviews of pacificnationalfunding.com

Scam! Collect info and never call you back. I reached out and no one was available. Received a text message saying that my offer was ready. Once again no one was available when I called. Eventually someone called and I told them that I locked my credit and they stated they received a response yesterday saying that my credit was locked which is why he didn’t call back. He initially said he didn’t call back because he had to leave work early to take his doctor to the vet. My credit was not locked when I initially talked with The person referring to him self as Jack, however I did lock it when I realized it was a scam! After I hung up Jack sent an email saying no funding was available to try back in 30 day.

Don't fall for the mailing you received saying you're 'pre-approved.' You'll quickly find out you're not pre-approved for anything. I fell for their mailing that said I was "pre-approved" for $89,000. You visit their site and enter your 'code', and it asks a few questions, then tells you you're about to get a call with "your offers." Instead, I got a call from someone asking all kinds of new credit questions... questions you wouldn't be answering if you were already "pre-approved." Then they tell you they are going to call back the next day with "your offers." What happened to the offers you were supposed to just give me? They call back the next day with a bait and switch story that I didn't qualify for a loan, but they want to help me with 'debt consolidation' and will payoff my credit cards (like a settlement), which would pretty much ruin my reputation with them, and how great this is for me and how much money I can save. Guys, I didn't respond to a debt consolidation/settlement offer, I responded to a letter that clearly says "I'm pre-approved, call to get your rate." Laughingly, I'd already done the 'check your rate" on reputable loan sites like Upstart and SoFi and BOTH had me qualified for 5 year personal loans of $75k in 30 seconds. But this place couldn't do that? Long story short, they aren't a lender or a bank at all, they're sending out bait and switch letters and hope you fall for some switcherroo at the end. Don't fall for it. You can go directly to sites like Upstart and SoFi yourself, see if you qualify, and get a proper personal loan not from these scammers.

Pacific national funding is by far the worst business I have ever dealt with. I called them to consolidate close to $50,000 worth of debt. I asked a few simple questions regarding the length of the term, what it reports on the credit bureau, what type of loan it is, and interest rate. The person answered the phone said someone would be in touch with me soon from a New York caller ID number. That the person could answer all of those questions. I got a call a few minutes later from A place in Henrietta Missouri, I am from Missouri. I thought that was weird because no one responded or said anything on the line. 20 minutes later I get a call from a New York number by a rep named Jason. He wasn’t super nice and he was unable to answer any of my questions. He said that I would need to give my personal information (Social Security etc.) to see if I qualify. I explained to him I wouldn’t be doing any of that until I could find out the terms of what they offer but I was willing to give my info as soon as I can see some paperwork and what they offer. He said they would do a soft credit pull and it wouldn’t affect the credit at all. It’s just to see if we qualify. He said after the soft pull he can answer all of my questions. He said he would call the next day and asked a good time. I asked him to call me in the evening so I can discuss it with my husband present. That night I got an Email for my credit card saying that someone is looking at my credit and credit score may have been impacted. The next day the man called me early in the morning and said that our credit was great and we were approved. I said OK that’s great what are the terms? He said that he has no idea and That he would need to send me an email With a link on it to log into. Once in the portal I would have to enter all of my personal information and then they would tell me the terms. I advised him he isn’t giving me the information he said he would and that we have several debt consolidator options and that I didn’t like how he was talking to me. Not to mention he called me In the morning when I told him very clearly that I couldn’t talk in the morning. He said he had an emergency in the evening so he called me first thing in the morning. He also said if I have other people to use go with them and best of luck I don’t need them. At That point I asked for his manager because he was extremely rude. He said he is the manager and I won’t be speaking with anyone else. I also told him that he said the soft pull wouldn’t even show on our credit yet I got an email saying someone is looking at our credit. He immediately started interrupting me Saying that I was a liar and not telling the truth. He said that I was an uncooperative customer trying to make his life difficult and hard. I asked again for his manager. I told him we are interested however I need some answers to simple questions And would like to know that I’m not giving $50,000 worth of business to someone who wants to be a jerk. He hung up on me. I called pacific national funding back on the main number and explained what happened and ask for a manager to call me they not only never called me but they blocked my number from calling them. I know this because I’ve called from two other phone numbers and it goes through just fine when I contact my cell phone provider they say that it sounds like I was blocked because the call keeps canceling before it goes through. I will be taking this information to the BBB and whatever platform Will listen. I would stay far away from this company