Mortgage lender did refinancing application, without my consent. I received credit score, good faith estimate, loan package.

How can that happen? Was that your current lender?

Part of the big stack of paperwork you signed when you originated your current loan gives your lender permission to view your credit at any time.. since they already have your original application, it's not hard for them to put together a proposal, but it's most likely "Subject to Verification", since they are using old data.. if the information was accurate, then someone would have had to given that info to them.. so it's possible your being scammed, so be cautious.. you might want to call Wells and ask them... I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

You must have verbally ok'd it. If not contact CFPB and file a complaint