Consumer complaint received 2021-07-08
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Under the Laws of Commerce, An Unrebutted Affidavit Stands as Truth. I have sent this corporation an affidavit of truth on how they have discriminated against me, since then i have not received the green return receipt but the USPS website does show that the green return receipt has been delivered further proving they have seen the affidavit and exhibits.

Quicken Loans has sent me an Adverse Action showing how they have discriminated against me under the Equal Credit Opportunity Act by denying me credit even though I have the ability to contract.

Activities constituting discrimination It shall be unlawful for any creditor ( Quicken Loans ) to discriminate against any applicant ( me the consumer ), with respect to any aspect of a credit transaction on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) in other words : Understanding that the natural person has the ability to satisfy the agreement, now how can a natural person satisfy an agreement? Let me explain.

The Truth In Lending Act will help us understand how I the consumer, natural person, original creditor, executer, administrator, card holder have the capacity to contract.

Let 's start with TILA where everything is created and originated by a natural person I give life to these dead corporations also known as a corpse dead body The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.

The term " the right granted '' means a legally enforceable demand that another will give.

The consumer enforces his jurisdiction on a corporation its not the other way around. I don't have a privilege to credit I have a right. I create it and that's how i can enforce and that's why congress never defines a credit score or a debt to income ratio to access credit they don't define an
APPROVAL either due to the fact that we create it how can we get approved for something that is created by us? ITS MINE I WAS BORN WITH IT.

The term Card Holder means any person ( natural person ) to whom a credit card is issued or any person ( corporation ) who has agreed with the card issuer ( social security admIn ) to pay obligations arising from the issuance of a credit card ( ssn ) to another person. We all know that when a natural person is born they
are issued a social security number by the social security administration which is my credit card. This is one of the reasons I legally have the capacity to contract.

Another reason would be my open end credit plan and open end consumer credit plan meaning a plan under which the creditor ( natural person ) reasonably contemplates repeated transactions ( consumer credit transactions ), which prescribes the terms of such transactions, and which provides for a finance charge which may be com
puted from time to time on the outstanding unpaid balance.

The term consumer credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.

So seeing that I was born to Originate Credit from my credit plan which is open ended meaning there isn't any limi
ts and there isn't any federal laws that state i need to be prequalified or qualified or approved for an extension of credit and there isn't any laws that state a bad credit score or debt to income ratio takes affect in any credit decision. We can clearly see how Quicken Loans has discriminated against me by my ability to contract. This is just proof that i have tried to settle this matter out of court, this will show the judge how i have attempted to resolve this matter but Quicken Loans did not reply with a solution.

Company response to consumer: Closed with explanation