Consumer complaint received 2020-11-23
Company: Rocket Mortgage, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am requesting a curtesy correction for the loan number XXXX for the 30 day past due reported to XXXX in XX/XX/XXXX. Will Quicken write a letter to XXXX to remove the 30 day past due reported in XX/XX/XXXX or change it so it is not credit impacting? XXXX was a very difficult year, in addition to the pandemic, we had a house fire in XXXX, daughter hospitalized because of the fire and relocated our family to a rental home. I reached out to Quicken Loans in XXXX asking about options to help us financially while we got back on our feet. The Quicken representative I spoke with suggested a Forbearance Program, which was approved for loan number XXXX. We were granted 90 days, XXXX, XXXX and XXXX, we paid {$50.00} per month. Thank you, for that we are very grateful. The Quicken representative informed me on the phone in XXXX, we would need to make all the back payments for the loan at the end of the Forbearance Program, which we did. XXXX, we paid all three back payments as well as the XXXX mortgage payment, which brought the loan current. XX/XX/XXXX, I was informed by XXXX XXXX loan XXXX was reported to XXXX  as 30 days past due. We are living in a rental house and all of our mail has been forwarded to our new address. 
Friday XX/XX/XXXX, I received a letter from Quicken Loans our home has gone into foreclosure. The letter from Quicken was dated XX/XX/XXXX and arrived XX/XX/XXXX, our mail has been delayed since the fire because it is being forwarded to our rental address. I believe we followed the forbearance program policy as it was described in the letter, which I just received at the end of XXXX, see attached letter. It was my understanding the Forbearance Program would be credit impacting, only if we did not payback the back payments and return the loan status to current. I do not understand how my loan was reported 30 days past due based on the details outlined in the letter sent to me from Quicken. 
During the program I received no written, email, text notification from Quicken Loans that my loan was delinquent or being placed into foreclosure. I did receive several calls, sometimes several times per day asking me to refinance. I also received weekly calls telling me my loan was past due. I would inform the person on the phone we were in the forbearance program, the response was we will make a note on your account. The Quicken representative would ask when I planned to make the loan current, to which my response was at the end of the forbearance program, which is also supposedly noted in my account. 

I would greatly appreciate a letter from Quicken Loans to XXXX  Credit Bureau to remove the 30 day past due from my report. A good history of on time payments, a pandemic, a house fire and a prompt repayment after the forbearance program to bring the loan current, I hope will be enough to grant the request. 
We are living in temporary housing until XX/XX/XXXX. Temporary address is XXXX XXXX XXXX XXXX XXXX MD XXXX. 
SINCERELY, XXXX XXXX XXXX XXXX Mobile SSN # XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Temporary Address : XXXX XXXX XXXX XXXX XXXX MD XXXX

Company response to consumer: Closed with explanation