AI Credit Scoring Dropped My Score Because I 'Use Too Many Vowels in Emails'
AI Credit Scoring Dropped My Score Because I 'Use Too Many Vowels in Emails'
Three days before closing on my first home, the bank's AI system sent a notification. "Your mortgage application has been denied due to algorithmic risk assessment." My credit score was 780. My debt-to-income ratio was excellent. I had the down payment saved for years. The bank couldn't tell me why the AI said no because the algorithm's decision was "proprietary information." I lost the house.
What You Can Do: Document everything. Screenshots, photos, timestamps. Every interaction matters. Demand a human. Keep asking. Keep escalating. File complaints with the FTC, your state attorney general, and the Better Business Bureau. Go public on social media and local news. Companies hate bad press more than they hate paying claims. Find others with similar experiences. There is power in numbers. Class actions are being filed across the country.
Resources
• FTC Complaint Assistant: reportfraud.ftc.gov
• Consumer Financial Protection Bureau: consumerfinance.gov/complaint
• Better Business Bureau: bbb.org/complain
AI Credit Scoring Dropped My Score Because I 'Use Too Many Vowels in Emails'
Three days before closing on my first home, the bank's AI system sent a notification. "Your mortgage application has been denied due to algorithmic risk assessment." My credit score was 780. My debt-to-income ratio was excellent. I had the down payment saved for years. The bank couldn't tell me why the AI said no because the algorithm's decision was "proprietary information." I lost the house.
What You Can Do: Document everything. Screenshots, photos, timestamps. Every interaction matters. Demand a human. Keep asking. Keep escalating. File complaints with the FTC, your state attorney general, and the Better Business Bureau. Go public on social media and local news. Companies hate bad press more than they hate paying claims. Find others with similar experiences. There is power in numbers. Class actions are being filed across the country.
Resources
• FTC Complaint Assistant: reportfraud.ftc.gov
• Consumer Financial Protection Bureau: consumerfinance.gov/complaint
• Better Business Bureau: bbb.org/complain