[J.Celifarco]

Just trying to think about it from their viewpoint... if they had gone to run credit and had seen that other funding companies had also run credit they could have assumed there may be competition. In their shoes I might do the same to ensure that the deal gets done rather than risk it being pitched too high and not sold because of a better offer. In a situation like this I would hope they would at least tell you this was the case though, but this is one scenario where that max upsell might be plausible.

Its not the banks place to make that assumption. As the ISO or the closer on the deal it is up to them to decide what they want to sell. The bank should not be getting involved with that. If the bank wants to inform the ISO that there has been credit pulls recently and that there may be competition on the deal fine, but they shouldn't take it upon themselves to cap the commission.