Consumer complaint received 2017-04-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (GA)

I am filing a complaint against  Quicken Lo ans. They have fraudulently sold me a home appraisal that I was not able to use. My wife and I were in the process of purchasing a home :  XXXX   XXXX   XXXX  in  XXXX , Ga  XXXX .  XXXX  of the last few things before closing on this house that we had to do was get an inspection, appraisal, and close. The inspection was completed on Friday   XXXX   XXXX   XXXX    , and the appraisal paperwork was signed and sent over on Monday morning,   XXXX   XXXX   XXXX    .     The cost of the appraisal that  Quicken  Loans charged my card was in the amount of {$480.00}. These funds were taken out of my checking account on   XXXX   XXXX   XXXX   and I have attached a photo of this transaction. Unbeknownst to my wife and I, our lender, realtor, and even the sellers realtor, the appraisal we received was an appraisal that was conducted by the home sellers for refinancing on their property. My wife and I have an FHA loan, and with an FHA loan, the appraisal that was conducted on the property sticks with the property for six months.     Basically,  Quicken  Loans sold me an appraisal that I can not use, because it was ordered by the seller. Sellers can not order their own appraisal and then have others use that appraisal on the property. My lender contacted Quicken on my behalf, and spoke with them ad nauseam about how this is not right, and outright illegal. At the request of my lender and realtor, I am filing this complaint. What it boils down to is that my wife and I paid for the sellers to get a free appraisal, and not only this, but I was told that the sellers were being refunded their money for the appraisal and not me! So not only do I get sold a product that I can not use, ( appraisal ), but I am forced to pay for something that I can not use and I am not being refunded my money? This is highly illegal and fraudulent, and  Quicken  Loans is already in the news and courtroom for a federal law suit against them for fraud.     I spoke with  XXXX   XXXX  from Quicken Loans on  XXXX   XXXX ,   XXXX   and explained to him my concerns, and that I wanted to receive my money back, since what they did was fraudulently sell me a product that I can not use.  XXXX  stated, Improper steps were taken in the transferring over of the appraisal. I told Mr.  XXXX  that I wanted my money refunded immediately, and he stated, We will have to conduct an investigation. Basically Mr.  XXXX  balked at everything I had to say, and didnt care what I had to say or offer, and most of the call I was talking over him. Quicken Loans illegally sold me a product that I can not use, and is refusing to refund me my money. If this matter is not resolved quickly, I will be forced to seek counsel to litigate and sue for punitive damages on top of the money that I am out of pocket. I have already disputed this charge with my bank, and I will take this matter as far as necessary in order to be made whole. Quicken can not, nor will they, get away with this. I will be contacting the news media, and going to social media about this injustice and their fraudulent practices and how they conduct business.