Consumer complaint received 2018-10-10
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
From : XXXX XXXX Sent : Wednesday, XX/XX/2018 XXXX XXXX To : XXXX ' XXXX Cc : XXXX ' XXXX ; XXXX XXXX XXXX Subject : RE : VA Case # XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX, XXXX Hello XXXX, What kind of education does it take to  earn the title of Senior Feds Specialist? Is that another title that Quicken made up? I assume by you making this request you are a licensed loan officer which also means youre out of compliance and have violated Federal and State licensing requirements by sending this email without your NMLS ID in your signature. If youre not licensed then someone over there should be pretending to work for The Feds department as if youre a representative from the  Federal government is a violation of a multitude of lending laws. As if that werent enough the bait and switch tactic you all have been using to poach clients from other lenders by sending out unrealistic terms on your Loan Estimates is about to come to an end. This particular client that youve just requested a case transfer from has a signed application with XXXX XXXX and Quicken has yet to provide a true and honest GFE to this borrower so that he can compare rates/costs and hes being misled by the Loan officer or whoever is handling his loan. Lastly Quicken Loans already sent an appraiser to this borrowers house and has a completed appraisal without obtaining the VA Case Transfer prior to that fact. Its hard to see anything honest about the business practices over there. Ill make sure to raise this issue with the CFPB and the NMLS. Enjoy your day. 


Regards, XXXX XXXX Loan Officer XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ( Direct Line ) ( XXXX ) XXXX ( Fax ) XXXX NMLS # XXXX - Originating Loans in AL, AZ ( XXXX ), CA, DC, FL ( XXXX ), KS ( XXXX ), NC, OR, OK, WA XXXX and WI. 
Company NMLS # XXXX From : XXXX, XXXX XXXX On Behalf Of VA Case Transfers Sent : Wednesday, XX/XX/2018 XXXX XXXX  To : XXXX XXXX XXXX Cc : VA Case Transfers XXXX Subject : VA Case # XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX, XXXX Hello, Please transfer the above referenced case number into Quicken Loans name. The required information for the transfer is below. In addition, the Veterans signed transfer letter is attached. 

1. Lender ID -- XXXX 2. Sponsor ID if applicable None needed ( we are LAPP Approved ) 3. Email address of the new SAR attached to the case - XXXX 4. The name of the individual who is the new lenders point of contact. XXXX XXXX 5. The phone number of the individual who is the new lenders point of contact. ( XXXX ) XXXX 6.  The email address of the individual who is the new lenders point of contact. - XXXX **Please also confirm if the appraiser has been paid** If you could so kindly respond to this email letting us know when this request has been completed it will be greatly appreciated. 

Thank you in advance and have a great day! 

Best Regards, XXXX XXXX | Sr. Feds Specialist - The  XXXX XXXX : ( XXXX ) XXXX | Toll Free : ( XXXX ) XXXX XXXX Fax : ( XXXX ) XXXX

Company response to consumer: Closed with explanation