Consumer complaint received 2023-09-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: RockLoans Holdings LLC (AL)

Company violated the following laws CFR 1002.7 A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other PROHIBITED BASIS. 

PROHIBITED BASIS definition- Prohibited basis means race, color, religion, national origin, XXXX, marital status, or age ( provided that the applicant has the capacity to enter into a binding contract ) ; the fact that all or part of the applicant 's income derives from any public assistance program ; or the fact that HAS ACTED IN GOOD FAITH or exercised any right under the Consumer Credit Protection Act. I acted with clean hands and in very GOOD FAITH when I applied for the loan.

USC1681m REQUIREMENTS ON CREDIT REPORT ( a ) DUTIES OF USERS TAKING ADVERSE ACTIONS ON BASIS OF INFORMATION CONTAINED IN CONSUMER REPORTS If any person takes ADVERSE ACTION with respect to any consumer that is based in whole or in part on any information CONTAINED in a CONSUMER REPORT. 

ADVERSE ACTION- action taken or DETERMINATION that is- ( I ) made in connection with an application that was made by, or a TRANSACTION that was initiated by, ANY CONSUMER, or in connection with a REVIEW of an ACCOUNT under section 1681b ( a ) ( 3 ) ( F ) ( li ). Proof of adverse action taken based off information contained in my consumer report that was made by or that was a TRANSACTION by me is included as proof in attachment in ADVERSE ACTION letter attached when they unlawfully DENIED me CREDIT. 

Also company made unauthorized transaction with my credit card ending in XXXX when I applied and signed for the loan. 

CREDIT CARD DEFINITION USC 1602 ( I ) - ( l ) The term CREDIT CARD means any CARD, plate, coupon book or other credit device EXISTING for the PURPOSE of OBTAINING MONEY, PROPERTY, LABOR, or SERVICES on CREDIT.

USC 1602 m-The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. 

US

C 1602 p The term unauthorized use, as used in section 1643 of this title, means a use of a CREDIT CARD by a person other than the CARDHOLDER who does not have actual, implied, or apparent authority for such USE and from which the cardholder RECEIVES NO BENEFIT which adverse letter is PROOF that I didnt receive ANY BENEFITS instead, I was denied after my signature was security for the loan.

USC 1691 a 3 Defined- ( a ) Activities constituting DISCRIMINATION It shall be UNLAWFUL for ANY creditor to discriminate against any applicant, with respect to ANY aspect of a CREDIT TRANSACTION.

CONSUMER CREDIT TRANSACTION DEFINED- USC 1679 a 2 a- ( 2 ) Consumer credit transaction The term consumer credit transaction means any transaction in which credit is offered or extended to an individual for PERSONAL, family, or household purposes. This company has violated so many of my rights and need to be held accountable for their actions and the irreparable harm theyve caused me.