Consumer complaint received 2020-08-27
Company: Rocket Mortgage, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage on or about XX/XX/XXXX through Quick & Loans, they then turned my loan application and credit report over to XXXX XXXX ( Quicken Loans President 's Club Banker agent ) my loan was approved on Friday XX/XX/XXXX. 

XXXX XXXX stated he needed to obtain my XX/XX/XXXX-XX/XX/XXXX tax returns directly from the IRS so I gladly signed agreement, he also stated that I should submitted tax returns directly to him which I did. 

Mortgage broker XXXX XXXX demanded that I send him 2 years of payroll checks I informed him that I am compiling them and will send. 

Mortgage Broker keeps discouraging me from applying for a mortgage and threatened to withdraw my loan application because of my race, color, gender. 

After I complained that his statement that my company payroll checks were merely a personal check and it was untraditional how I received pay from my employer. 


XXXX XXXX sent a to do list through the Quick and loans portal for Bank statements, purchase & sales agreement and W2 and a gift letter, I timely summitted all documents the following next 2 days by Wednesday AXX/XX/XXXX. 

XXXX XXXX requested bank statements uploaded to Quick &  Loans portal, I informed him that Quick & Loans porta doesn't work with my bank as of XX/XX/XXXX ( XXXX XXXX ), when I informed him he stated that Quicken loans portal can get them directly from XXXX XXXX as if I was not being truthful, I then emailed him proof that the portal stated they do not have ability to get XXXX XXXX statements. 

I informed Mortgage broker XXXX XXXX on or about XX/XX/XXXX that I had an lightening storm that cause my Computer,  printer scanner and other office equipment to be short circuited and that I would be replacing all equipment until then my office is down, the next day he stated that a few days ago he requested a to do list and that I he hasn't received any docs since then I kindly reminded him that due to the Lighting storm, I had to replace all office items to upload the documents, I then informed him that I thought he was requesting documents from me that was going to be received from the IRS, he then got very upset and stated that he knows how to do his job and takes his job & family very serious and just get the docs to him, I stated ok. 

The very next day he informed me that my file was going to be given to another broker and because he was leaving Ohio to go to a Wedding and bachelor party in Tennessee and I would hear from another agent and that he also need Bank statements from my friend that was providing a {$5000.00} gift to me after I informed him that I didn't believe my friend would want me looking at his Bank Statements he demanded that he send them directly to him, I told him I would speak with my friend regarding his bank Statements. 

He email on XX/XX/XXXX, XXXX XXXX Eastern time and stated that " I believe with your unique pay structure and the amount of mortgage applications coming through right now that we would not be able to close by the XXXX. I will go ahead and withdraw your application at this time if youd like and maybe we can work together in the future. Let me know ''. after I was approved & had my credit pulled submitted all requested documents except bank statements. 

XXXX XXXX the Mortgage Broker is imposing different terms or conditions on me to obtain a loan and a closing by XX/XX/XXXX like proof of income ( 2 years of payroll checks with a stub that  show year to dat income and that my first-time home buyer certificate ( Will be rejected ) when I receive it if their is any restrictions of any kind from the agency that will award me the first time home buyers certificate, higher interest rate or larger down payment, after I submitted all required documents ( See above ). 

Mortgage Broker informed me I had to signed a agreement for Mortgage Broker to get my XX/XX/XXXX-XX/XX/XXXX Taxes from the IRS I did so without a problem after I submitted my tax returns electronically. 

The Mortgage Broker XXXX XXXX made it clear though his action that he personally doesn't want to deal with me and was upset that I had lots of questions regarding him requesting duplicate documents and that his statements that my payroll is untraditional as I informed him I work for a XX/XX/XXXX. 

I still have to send him 2 years checks he requested bank statements to give but Mortgage Broker XXXX XXXX action state I should go else where for a mortgage as he doesn't want to be bothered I believe he is discriminating against me because of me race and gender ( XXXX XX/XX/XXXX male ), this is contrary to Federal & ( Massachusetts ) State Civil Rights laws. 

Quick & Loans XXXX XXXX | President 's Club Banker Triple Crown Recipient Direct : ( XXXX ) XXXX | Toll Free : ( XXXX ) XXXX XXXX Cell : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | NMLS # XXXX XXXX quickenloans.com

Company response to consumer: Closed with explanation