Wow!! Thats crazy. He tried to pull this exact scam on us.

When I got docs signed I happened to call the merchant using the phone number that I pulled on background report NOT the number the broker gave me because i couldnt find the number in the doc request.
When the merchant answered he had no idea what was going on because he never signed any contracts.
At the time I couldnt figure out David's angle but now this makes so much sense.

At one point the merchant applied with FC, so the scammer has a fake email domain very similar to FC and email blasts tons of merchants. He's bound to email someone that worked with FC at one point, and now he can just "reopen" their file.