Consumer complaint received 2021-07-03
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Complaint against Quicken Loans dba Rocket Mortgage Complaint Quicken Loans dba Rocket Mortgage XXXX XXXX XXXX, XXXX, MI XXXX XXXX Quicken Loans dba Rocket Mortgage Refi Application Initially worked with XXXX XXXX and XXXX XXXX Application for refi was submitted on or before XX/XX/XXXX Locked in an Interest Rate of 2.875 % Made payment of {$250.00} toward Good Faith Deposit Agreement, XX/XX/XXXX All material and information requested was submitted on or before XX/XX/XXXX Credit rating is Excellent XXXX Quicken Estimated property value as {$290000.00}, Balance on present loan is at {$89000.00}, Loan request {$110000.00}. 

I was conditionally approved XX/XX/XXXX with an explanation the next step was to verifying property details such as title and homeowner insurance and advised to continue checking " To Do List '' portal. ( THIS IS WHERE I SUSPECT MY ISSUE WITH QUICKEN LOANS STARTED ) My last " TO DO LIST ' item was a request to show proof the Internal Revenue Service ( IRS ) had deposited my income tax refund into my banking account. I made several calls questioning that request, however I did respond and forwarded to Quicken Loans, the information I kept receiving from the IRS, that my income tax returns were being processed. 

On an occasion I volunteered to make the exact deposit amount of my returns into my account, if that was the issue. In response to their request, I showed proof ; my income tax returns were submitted and were being processed. I had no power to do anything else but wait for IRS to move. 

Calls to Quicken from included, XXXX XXXX, XXXX  XXXX XXXX, the bankers who started the initial application and a list of others asking why that particular request. I let it be known that it felt like discriminatory practices were in play. I had previously submitted three years of Income tax returns, XXXX, XXXX, and XXXX. The reason I was given for this odd request ; was to prove I had actually submitted my returns. My response was I could prove that. I was then told the request was to prove IRS had accepted my returns. My response was I could prove that. 

On one of my follow up calls to Client Relations, I spoke to XXXX XXXX and who informed me they had closed/denied/canceled my application because the client was unwilling to provide required documents. He offered to return my {$250.00} Good Faith Deposit and a {$500.00} discount to reapply when the deposit was made. My responds was that was not were my interest lie. XXXX XXXX and XXXX XXXX diligently worked hard to present a package that I liked which offered a XXXX interest rate. He apologized but was unable to offer the same deal if I renewed my application. Ms. XXXX later repeated the same. 

I asked to speak to someone above him. I dont believe in arguing with someone reading a script. 

XXXX XXXX, the Lead XXXX XXXX, phone number XXXX, reached out to me XX/XX/XXXX. I explained. She said she needed an opportunity to look at the file and would get back by Friday, XX/XX/XXXX. 

Ms. XXXX returned the call XX/XX/XXXX and said the reason for that request was Quicken wanted to see the deposit go into my account to verify I had not amended my returns. I indicated I was not satisfied with that response, to whom could I speak to other than her. She indicated she was the end up-line. My response was I was taking the complaint to the Commissioner of Banking. This explanation was supposedly on a recorded line.

Company response to consumer: Closed with explanation