QUICKEN LOANS, INC.
Consumer Complaints
There are over 2206 complaints on file for QUICKEN LOANS, INC.. Dated between 2019-12-10 and 2012-02-01.
Complaints Page 24
2018-04-24
Norcross, GA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was paid
Complaint: This was 25 years ago needs to be off my credit report
Company Response: Closed with explanation
2018-04-21
Hoffman Est, IL
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-04-20
Brock, TX
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Company Response: Closed with explanation
2018-04-20
South Florida, FL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: TO THE CONSUMER PROTECTION AGENCY cfbp* FROM : XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX E-MAIL XXXX PHONE CONTACT XXXX XXXX OR XXXX XXXX XXXX REGARDING A SALE DATE ON MY HOME XX/XX/XXXX ALLEGE FRAUD PREDATORY LENDING AND ALLEGE FRAUD NOTE/ MORTGAGE FRAUD IS THE ISSUE UNDER FLORIDA STATUE : 702.015 ELEMENTS OF COMPLAINTS, LOST DESTROYED OR STOLEN NOTE AFFIDAVIT ( 1 ) ( 20 ( A ) ( B ) UNDER SECS.673.3001 3.
TO WHOM IT MAY CONCERN : I HAVE A SALE DATE ON MY HOME XX/XX/XXXX CASE NO XXXX XXXX XXXX COURT XXXX JUDICIAL QL QUICKEN LOANS ALLEGE PREDATORY LENDING PRACTICE IT APPEARS I NO LONGER HAVE AN ATTORNEY REPRESENTING ME /US . MY LAW FIRM MAY HAVE ABANDONED MY CASE WHO WAS LEGALLY DEFENDING ME AGAINST MY LENDER QUICKEN LOANS SERVICING CO. THIS LAW FIRM WAS RETAINED FROM XX/XX/XXXX AND LAST WE HEARD FROM THIS LAW FIRMS WORKERS WAS AROUND XX/XX/XXXX. IRONICALLY, JUST AROUND THE SAME TIME QUICKEN LOANS THE PLAINTIFF AGAIN PURSUING FORECLOSURE AT THE FLORIDA XXXX XXXX COUNTY COURTS THE XXXX JUDICIAL WHILE ALLEGE VIOLATING A CEASE AND DESIST ORDER WHICH PROTECTS ME UNDER LAW STATUE UNDER PROVISIONS OF FEDERAL LAW THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) 15 U.S.C. 1692 c ( C ], TO CEASE ALL COMMUNICATION ETC., ETC., QUICKEN LOANS HAD PLACED AN OTHER SALE DATE ON MY HOME THIS TIME XX/XX/XXXX MY HOME NOT YET SOLD HOWEVER JUST A FEW MONTHS BACK ALLEGED SOLD MY HOME ON THE COURT STEPS AND THERE WAS A NEW BUYER WHILE PROTECTED UNDER A CEASE AND DESIST AND LEGAL REPRESENTATION DEFENSE NOT TO MY KNOWLEDGE MY HOME WAS SOLD AT THAT TIME WILL FURTHER EXPLAIN MY HOME BEING SOLD LATER ON IN THIS LETTER! I HAD RETAINED LEGAL DEFENSE BY THIS SAME LAW FIRM ON XX/XX/XXXX ONE YEAR AGO FROM MY NEW SALE DATE POST MARKED XX/XX/XXXX MY HOME SCHEDULED FOR SALE THIS UPCOMING DATE XX/XX/XXXX. IT WAS ON SET BY A MOTION TO SHOW CAUSE ON WHY THIS FORECLOSURE SHOULD NOT TAKE PLACE XX/XX/XXXX EXACTLY ONE YEAR LATER FROM XX/XX/XXXX WHERE THERE IS A CEASE AND DESIST IN PLACE AND LAWYERS WORKING ON MY CASE ACCORDING TO THIS LAW FIRM THROUGH OUT THE ENTIRE YEAR!
I AM IN FLORIDA AND THE LAW FIRM IS IN CALIFORNIA. IT SEEMS AFTER THE CEASE AND DESIST DOCUMENT SENT TO US BY MY LAW FIRM ON XX/XX/XXXX THIS CEASE AND DESIST DOCUMENT WAS SIGNED BY US TO PROTECT US FROM FORWARDING ANY FURTHER MORTGAGE PAYMENTS TO OUR LENDER QUICKEN LOANS AND PROTECTING US FROM ANY FURTHER CONTACT FROM LENDER 'PLAINTIFF 'QUICKEN LOANS WHO IS SUING FOR A FORECLOSURE AND SALE DATE MY HOME. THE CEASE AND DESIST PAPERS WERE SENT BACK SIGNED WITH PROOF OF XXXX FAX TRANSMITTABLE FOR QUICKEN LOANS! ACCORDING TO MY LAW FIRM THIS CEASE AND DESIST WAS PROTECTING US FROM MY LENDER QUICKEN LOANS FROM CONTACTING ME ANY FURTHER AND THEY WOULD ONLY BE ABLE TO CONTACT MY LAW FIRM. AND I WAS NO TO TALK TO ANY ONE ABOUT MY CASE OR ANY OTHER LAWYER ACCORDING TO THIS LAW FIRM.
THIS DOCUMENT CEASE AND DESIST ALONG WITH A DEMAND LETTER FOR MY LENDER QUICKEN LOANS WAS SENT TO THEM FOR ALLEGE PREDATORY LENDING PRACTICES TO QUICKEN LOANS LEGAL DEPT TO PROTECT ME /US ! XXXX [ HUSBAND } HAD TO SIGN WITH THE ATTORNEY AS HE WAS THE ONE RESPONSIBLE FOR THE QUICKEN MORTGAGE LOAN NOTE PRINCIPLE AND MY NAME WAS JUST STIPULATED AS I WAS JUST THE NOTE HOLDER AND NOT RESPONSIBLE FOR THE LOAN. REALIZING A YEAR LATER FROM XX/XX/XXXX THIS CEASE AND DESIST PROTECTING US HAD ENDED XX/XX/XXXX. THEREFORE, FROM XX/XX/XXXX TO XX/XX/XXXX THIS CEASE AND DESIST PROTECTING US HAD ENDED AND SO DID THIS LAW FIRM DEFENDING OUR COURT CASE! AND WITHOUT ANY NOTICE OR WARNING THEY HAD BAILED ON ME/US! IRONICALLY, AT THE SAME TIME IN XX/XX/XXXX ANOTHER FORECLOSURE PREVAILED LEADING TO A SALE DATE ON MY HOME FOR XX/XX/XXXX. { THINK IT IS A SET UP? } NOW CAUSING A VERY BURDENSOME FINANCIAL AND STRESSFUL HARDSHIP WITH DOUBLE ALLEGE SCAMS ONE ALLEGE BY THIS LAW FIRM AND TWO BY QUICKEN LOANS AND THEIR ASSIGNS AND SUCCESSOR ETC., IN OR AROUND XX/XX/XXXX ANOTHER FORECLOSURE SUMMONS WAS ISSUED TO US BY OUR LENDER WHILE UNDER A DOCUMENT CALLED A CEASE AND DESIST. IRONICALLY, THIS LAW FIRM HAD BEGAN AVOIDING MY CALLS AFTER AN ENTIRE YEAR ADHERING TO MY CALLS AND CONFIRMING THEY WERE RECEIVING DOCUMENTATION. AT THE TIME I HAD THIS MOST RECENT FORECLOSURE POST MARK XX/XX/XXXX WITH A COURT DATE XX/XX/XXXX. A SUMMONS INDICATING A MOTION TO SHOW CAUSE ON WHY ANOTHER FORECLOSURE SHOULD NOT PREVAIL AS ONE PRIOR A FEW MONTH BACK EVIDENTLY DID OCCUR AND NOT TO MY KNOWLEDGE. AND MY HOME WAS SOLD ON THE COURT STEPS AT WHILE STILL RETAINING THIS LAW FIRM AND WHILE WE WERE STILL PROTECTED UNDER A CEASE AND DESIST. QL QUICKEN LOANS REFERED TO XXXX AS RESPONSIBLE FOR THE LOAN AND YET KNOWING HE WAS NOT THE NOTE HOLDER EVEN AT CLOSING XX/XX/XXXX AND PRIOR!, I XXXX WIFE WAS THE NOTE HOLDER WITH NO JOB XXXX XXXX XXXX XXXX AND THIS WAS UNDER STOOD WITH QUICKEN LOANS AT THE PROMPT OF CLOSING DISCUSSIONS FROM XX/XX/XXXX TO XX/XX/XXXX CLOSING.
THERE WAS A PRIOR FORECLOSURE TO THIS MOST RECENT ONE POST MARKED XX/XX/XXXX ; WHICH WAS ONLY A FEW MONTHS BACK IN OR AROUND XX/XX/XXXX /XX/XX/XXXX AND THIS LAW FIRM CONFIRMED WITH I XXXX THEY HAD LEGALLY BATTLED QUICKEN LOANS SERVICING COMP AND I /WE WERE NO LONGER WITH MY LENDER QUICKEN LOANS. THE LAW FIRM BELIEVED THANKS TO THEM THEY BATTLED ME OUT FROM UNDERNEATH THEM QL { QUICKEN LOANS SER. CO. FURTHER STATING " AND IT WAS NOT EASY! '' QUESTION? THEN WHY AM I BACK IN FORECLOSURE WITH QUICKEN LOANS SUMMONS POST MARK XX/XX/XXXX ON XX/XX/XXXX COURT FOR A MOTION TO SHOW CAUSE? ON WHY THIS FORECLOSURE SHOULD NOT TAKE PLACE? I HAD ASKED MY LAW FIRM? AND WHY IS THIS LAW FIRM NO LONGER RESPONDING TO THIS NEW FORECLOSURE SUMMONS POST MARKED XX/XX/XXXX HEARING MOTION TO SHOW CAUSE XX/XX/XXXX? NOR ARE THEY RESPONDING TO US!
IRONICALLY, I JUST HAD NOTICED XX/XX/XXXX THE CEASE AND DESIST PROTECTING US ENDED 'XX/XX/XXXX ' FROM WHEN IT COMMENCED XX/XX/XXXX. THE LAW FIRM DOES NOT RESPOND ANY LONGER ENDING 'XX/XX/XXXX ' BOTH THE CEASE AND DESIST AND THE HIRING OF THIS LAW FIRM WAS RETAINED IN XX/XX/XXXX EXACTLY ONE YEAR AGO. ONE MAY SAY WHAT A COINCIDENCE? JUST PRIOR, I WAS STILL IN VERBAL CONTACT WITH THIS LAW FIRM REGARDING THESE ON GOING FORECLOSURE THREAT SUMMON DOCUMENTATIONS BY QUICKEN LOANS AND /OR THEIR CULPRIT ASSIGNS AND SUCCESSORS WHO ALLEGE SOLD MY HOME ALREADY IN XX/XX/XXXX/XX/XX/XXXX, YET I DID NOT KNOW MY HOME WAS SOLD? UNTIL THIS IRRESPONSIBLE REPRESENTATIVE AT THIS LAW FIRM LET ME KNOW IT WAS SOLD IN OR AROUND XX/XX/XXXX/XX/XX/XXXX! AFTER GOING TO THE LAW FIRMS MANAGER HE REASSURED ME THEY ARE STILL PURSUING A QUITE TITLE RELEASING ME FROM MY MORTGAGE DEBT UNDER AN ALLEGE FRAUD NOTE.
AFTER, HURRICANE IRMA I RETURNED HOME FROM BEING EVACUATED. THEN RECEIVING A FLOOD OF MAIL FROM QUICKEN LOANS. I SENT THESE DOCS AS I WAS RECEIVING VARIOUS KINDS INCLUDING THE FORECLOSURE MOTION TO SHOW CAUSE THROUGH MY LAW FIRMS E-MAIL PORTAL THAT IS STILL CONFIRMED IN THEIR PORTAL. ALTHOUGH, ACCORDING TO MY LAW FIRM! I WAS OUT FROM QUICKEN LOANS THIS WAS BACK IN XX/XX/XXXX/XX/XX/XXXX WHEN THERE WAS VERBAL PHONE AND E-MAIL PORTAL CONTACT RESPONSE JUST A FEW WEEKS PRIOR, TO SENDING THIS LAW FIRM MOST RECENT ON GOING FORECLOSURE SUMMONS POST MARKED XX/XX/XXXX THIS LAW FIRM WAS CONFIRMING THEY ARE RECEIVING AGAIN DOCUMENTATION VERBALLY AND E-MAIL PORTAL REASSURING ME I WILL NOT LOSE MY HOME.
THESE MOST RECENT DOCS WERE 1. A MOTION TO SHOW CAUSE BY PLAINTIFF QUICKEN LOANS 2. DOCS WITH SOME QUICKEN LOANS MILITARY QUESTION DOCUMENTATION BOTH SEPARATE MY HUSBAND AND I. 3. THE FIRST MOTION TO SHOW CAUSE AFTER HURRICANE IRMA HAD NO COURT DATE! { RED FLAG } AFTER SENDING THE LAW FIRM MY DOCUMENTATION I WAS LEFT HANGING BY THIS LAW FIRM WHO DID NOT RESPOND TO THE COURTS WHO WERE 'RATED 'A ' BY THE XXXX ' AND THAT THERE WAS AN ACTUAL LAW FIRM THERE IN CALIFORNIA! WHAT A JOKE!
A YEAR LATER XX/XX/XXXX FROM THE TIME I HAD RETAIN THIS LAW FIRM IN XX/XX/XXXX I RECEIVED A MOTION TO SHOW CAUSE WITH A POST MARK FXX/XX/XXXX COURT DATE XX/XX/XXXX. THEN THIS LAW FIRM STOPPED RESPONDING JUST TWO WEEKS BEFORE THE ACTUAL COURT DATE XX/XX/XXXX. AFTER, PAYING THOUSANDS OF DOLLARS TO THIS LAW FIRM IT WAS LEARNED THIS LAW FIRM HAVE NEVER RESPONDED TO FLORIDA XXXX XXXX COUNTY COURTS XXXX JUDAICAL COURT SYSTEM. THIS LAW FIRM THROUGH OUT THE ENTIRE YEAR AND THE COURSE OF FORECLOSURE SUMMONS ON GOING BY QUICKEN LOANS ASSIGNS AND SUCCESSORS FOR THE ENTIRE YEAR. THIS LAW FIRM HAVE NOT RESPONDED ACCORDING TO THE FLORIDA XXXX XXXX COUNTY COURTS AT THE XXXX JUDICIAL SYSTEM COURT. NOT TO MY KNOWLEDGE THERE WERE ALLEGE PRIOR SALE DATES ON MY HOME AND IT WAS SOLD ON THE COURT STEPS IN OR AROUND XX/XX/XXXX OR XX/XX/XXXX AND NOT TO MY KNOWLEDGE! YET, I WAS STILL SECURE IN MY HOME!
AFTER I WAS IN SUCH DISARRAY WITH HURRICANE IRMA I AND HAD THAT XXXX XXXX LANDING ME IN THE HOSPITAL WITH A XXXX XXXX I WAS BATTLING AND I STILL FORWARDED THESE QUICKEN LOANS FORECLOSURE DOCS QL TO SET MY HOME FOR SALE! THE DOCUMENTS WERE RECEIVED AND CONFIRMED BY THIS LAW FIRM WHO SPOKE WITH ME HOPING THE BEST FOR THE ORDEAL WITH MY HEALTH AND THE HURRICANE! DURING HURRICANE IRMA I HAD TO EVACUATE AND ARRIVING HOME I WAS HIT WITH MORE FORECLOSURES FROM QUICKEN LOANS. BEFORE THIS UP COMING SALE DATE XX/XX/XXXX ACCORDING TO THE LAW FIRM I HIRED. A LAW FIRM WHO WAS IN PRACTICE FOR THE PEOPLE LITIGATING FOR THE PEOPLE WHO WERE GETTING XXXX BY CRIMINAL LENDERS AND /OR TITLE COMPANIES AS IT WAS PUT AND THEY WERE NOT SO MUCH IN IT FOR THE MONIES, JUST SO SINCERE IN HELPING PEOPLE AND MENTIONING HOW THEY FELT BAD ONE PERSON XXXX XXXX XXXX XXXX XXXX XXXX BECAUSE THEY LOST THEIR HOME BY THESE RUTHLESS PREDATORY LENDING INSTITUTIONS. AND WITH THAT I WAS HOPEFUL TO HELP AND I SENT DOCUMENTS TO HELP SUPPORT THEIR MISSION WHILE HELPING MYSELF AND FAMILY. IF THEY ALLEGE USED THESE PEOPLE WHO WERE HURTING AND WHO WERE VULNERABLE LOSING THEIR HOMES AND ROBBED THEIR MONIES LIKE ALLEGE MINE. THEY WOULD FIRST DESERVE TO BE IN JAIL BEFORE THESE LENDING INSTITUTIONS, IN MY OPINION NOW I AM IN QUESTION WHO IS REALLY IN SYNC WITH THE ALLEGE CRIMINALS AS PER THIS LAW FIRM REPRESENTATIVE? BEFORE THE MOTION TO SHOW CAUSE DATED XX/XX/XXXX TO APPEAR XX/XX/XXXX AT XXXX XXXX. TO COURT WE WERE LEFT WITH NO DEFENSE LAWYER! ACCORDING TO THIS LAW FIRM WHO TRIED TO ENTRAP ME INTO SIGNING ON WITH ANOTHER BUYER WHO BOUGHT MY HOME ON THE COURT STEPS IN OR AROUND XX/XX/XXXX/XX/XX/XXXX AND I FELT SHATTERED TO HEAR THIS INSTEAD OF WHAT THIS LAW FIRMS GOAL WAS! IT OCCURRED JUST A FEW MONTHS PRIOR TO THIS NEW SALE DATE XX/XX/XXXX. MY LAW FIRM SLIPPED THIS BY ME OVER THE PHONE AND I WAS NOT COMFORTABLE WITH THIS! THIS SEEMS SCREWY AND R.E.S.P.A. LAWS MAYBE BEING VIOLATED AND THE SALE OF MY HOME IS ALLEGE BEING SOLD BACK AND FORTH UNDER A FRAUD ELECTRONIC ROBO SIGNING MERSE LOAN NOTE PRINCIPLE AND DEED. BELIEVE ME, I KNEW NOTING ABOUT THIS SALE OF MY HOME THAT ALLEGE HAPPENED JUST SEVERAL MONTHS AGO AND BEING MIS LEAD BY MY LAW FIRM AND QUICKEN LOANS MY HOUSE HAS A NEW SALE DATE. THIS DOES NOT HELP TO RUN A HEALTHY HOUSE HOLD UNDER THESE HORRIBLE OPPRESSION AND ABUSES.
IT CAME DOWN TO MY HOME WAS SOLD ON THE COURT STEPS AND FOR ME TO START PAYING SOME BUYER WHO BOUGHT MY HOME COORDINATED BY THIS LAW FIRM WHO TRY TO BELITTLE ME AND OUT LASHED ON ME " BY THIS LAW FIRMS REPRESENTATIVE, SAYING TO ME " WHAT? YOU THINK YOU ARE GOING TO PAY NOTHING! '' WITH OUT NO WARNING OR EXPLANATION OF WHAT TRANSPIRED AS THEY WERE WORKING ON MY CASE FOR A QUITE TITLE. I GAVE THIS LAW FIRM MONTHS OF MEGA AMOUNTS OF DOCUMENTS TO SUPPORT MY CASE AND THEIR MISSION TO HELP OTHER PEOPLE FROM PREDATORY LENDING PRACTICES AND IT IS APPALLING THIS CORRUPTION GOES ON HURTING INNOCENT LIVES AND FAMILIES WITH CHILDREN AFTER, THIS LAW FIRM REVIEWED THOSE DOCUMENTS I HAD SENT IN A MEGA AMOUNT THEY REFEREED TO THE ONES IN QUESTION HANDLING MY LOAN AS CRIMINALS AND THEY WERE GOING TO PAY FOR WHAT THEY DID TO ME! I HAD SENT THIS LAW FIRM DOCS AND THEY WERE ALL WORKING ON MY CASE TOGETHER REASSURING THE LAWYERS WERE RECEIVING THEM. AGAIN REASSURING ME THERE ARE LAWYERS AT THE FIRM RECEIVING THESE DOCUMENTS AND SHOULD QUICKEN LOANS OR WHOM EVER THE Y WERE INVESTIGATING AS THE REAL LENDER AND/OR BUYER MAY BE? IF THE LENDER DOES NOT STEP TO THE PLATE FOR THEIR VIOLATIONS FOR ALLEGE PREDATORY LENDING PRACTICES THEY QL WILL PAY FOR MY PUNITIVE DAMAGES AND THEY WILL LITIGATE.
PLEASE NOTE QL QUICKEN LOANS AND /OR ASSIGNS AND SUCCESSORS SHOW THER UNCLEAN HANDS AND SEEM TO PLAY DIRTY POOL! AS THE FIRST MOTION TO SHOW CAUSE DOCUMENTATION PRIOR TO THE MOST RECENT WAS SENT DURING OR JUST BEFORE HURRICANE IRAMA AND IT HAD SHOWN NO COURT DATE { RED FLAGS } ON THE SUMMONS AND I WAS EVACUATED FROM THE HURRICANE SO NOW QUICKEN LOANS PREYS ON ME TO FORECLOSE AGAIN! STILL THINKING AT THAT TIME I HAVE MY ATTORNY 'S STILL IN MY COURT AS I WAS SPEAKING TO THEIR OFFICE REPS AS THEY REASSURED I WILL NOT LOSE MY HOME AND STATING ALL ALONG I AM PROTECTED UNDER A CEASE AND DESIST QL ARE PLAYING GAMES AND NOW IT SEEMS SO IS THIS LAW FIRM!.
WHEN I HAD ARRIVED HOME FROM HURRICANE IRMA I HAD TO RESET ALL MY COMPUTERS THAT WERE STILL WORKING TO RESEND THESE ON GOING FORECLOSURE DOCS TO A LAW FIRM WHO ALREADY TOLD ME I AM OUT FROM QUICKEN LOANS. AS I WAS STILL HAVING VERBAL CONTACT WITH THIS LAW FIRM UNTIL THIS VERY SAME LAW FIRM RECEIVED THE LAST QUICKEN LOANS FORECLOSURE MOTION TO SHOW CAUSE THIS TIME WITH A DATE POST MARK XX/XX/XXXX COURT DATE XX/XX/XXXX. THIS WAS THE VERY LAST ONE THAT HAS A SALE DATE ON MY HOME MY LAW FIRM 'S SECRETARY VERBALLY TELLS ME ON XX/XX/XXXX APPROXIMATE REFERRING TO MY MOTION HEARING ON XX/XX/XXXX SHE RETORTS, 'YES THIS IS URGENT YOU HAVE A COURT DATE IN A FEW WEEKS WE WILL GET BACK WITH YOU " TO THE QUESTIONS I ASKED WHICH WERE : IF YOU HAD ALREADY GOT ME OUT FROM QUICKEN LOANS WHY DO I EVEN I HAVE TO RESPOND TO THIS SUMMONS OR ARE YOU GOING TO RESPOND? IF SO WHEN ARE YOU GOING TO RESPOND TO THIS FORECLOSURE AND APPEAR IN COURT OR DO I HAVE TO GO TO COURT? MY LAW FIRM NEVER GOT BACK TO ME STRINGING ME ALONG AND I HAD NOW JUST A WEEK LEFT TO DEAL WITH THIS WHOLE ORDEAL BY MYSELF. THIS NOW SEEMED LIKE A VERY WELL COORDINATED SET UP! ALL AROUND! AND NOW IT SEEMS BOTH ARE PLAYING GAMES WITH PEOPLE 'S LIVELY HOODS!
ADVISED BY XXXX XXXX COUNTY COURTS WHO KNEW THE PREDICAMENT I WAS PLACED IN AND IT SEEMS VERY MALICIOUS. THE CLERK OF COURTS REQUESTED IN URGENCY I WRITE THE JUDGE ON THE MATTER! I WE HAD WENT FOR THE HEARING I WAS NOT ABLE TO GO INTO THE COURT ROOM AND A SALE DATE WAS PLACED ON MY HOME. AFTER, GOING BACK TO THE CALIFORNIA BAR AND STATE ATTORNEY GENERAL OFFICE VERIFYING THIS LAW FIRM ACTUALLY EXISTED BACK IN XX/XX/XXXX AND IT DID EXIST BUT NOW THE STORY CHANGES.
I HAD REACHED OUT TO THE CALIFORNIA BAR AND CA ATTORNEY GENERAL OFFICE IN TWO LOCATIONS AFTER THE SALE DATE XX/XX/XXXX. HOWEVER, IN XX/XX/XXXX THERE WAS A LAW FIRM THEN, YET NOW THERE WAS NO LAW FIRM THERE IN XX/XX/XXXX MORE RUN AROUND. THE MOST RECENT SALE DATE IRONICALLY BEGAN XX/XX/XXXX MOTION TO SHOW CAUSE XX/XX/XXXX AND A SALE DATE WAS SET. NOW WITH MY BACK UP AGAINST THE WALL I WAS ADVISED BY FLORIDA [ FL } XXXX XXXX COUNTY COURT XXXX JUDICIAL SYSTEM IT WAS URGENT I GO TO THE JUDGES CHAMBERS AND WRITE HER AS WELL AS GO TO HER CHAMBERS ON THE MATTER! AND LET THE JUDGE KNOW I HAD PAID A LAWYER 'S FIRM AND SHOW PROOF! ACCORDING TO THE COURTS WHEN I HAD ARRIVED THERE IT WAS READ NO COURT RECORD OF THIS LAW FIRM HAVE RESPONDED REGARDING MY QUICKEN LOANS FORECLOSURE CASE IN A YEAR FROM XX/XX/XXXX TO XX/XX/XXXX?
THE CLERK OF COURTS REQUESTED FOR US TO ASK THE JUDGE TO KEEP THE CASE OPEN AND DELAY IT TO PROTECT MYSELF AS I PAID AN ATTORNEY WHO DID NOT RESPOND TO MY FORECLOSURE MOTION I PAID THOUSANDS OF DOLLARS TOO. I SENT THE JUDGE A LETTER RETURN RECEIPT XX/XX/XXXX AND HAD ONE STAMP DOCKET BY THE CLERK WAY BEFORE THE HEARING ON XX/XX/XXXX. IT WAS A MOTION TO SHOW CAUSE ON WHY I SHOULD NOT BE FORECLOSED ON!. THIS WHOLE SCENARIO SEEMS AN ALLEGE SCAM INVOLVING THE IRRESPONSIBLE LENDER HOLDING AN ALLEGE FRAUD NOTE PRINCIPLE MORTGAGE THEY MAY HAVE MANIPULATED? HAVING TO APPEAR TO COURT OURSELVES ON SUCH SHORT NOTICE AND OF COURSE BESIDE OUR SELVES WITH NO LEGAL DEFENSE WE PAID FOR IN THE THOUSANDS.
WE BELIEVE WE WERE ON TIME TO COURT TO SHOW CAUSE ON WHY THIS FORECLOSURE SHOULD NOT TAKE PLACE EVEN THOUGH WE WROTE THE JUDGE AHEAD OF TIME AND THE CLERK SAID THIS LETTER WILL PROTECT YOU! EVIDENTLY NOT! WHEN I ARRIVED TO COURT COMING FROM A VERY FAR AWAY COMMUTE AND MY HUSBAND VERY SICK OVER THIS IT SEEMED THE COURT CLOCK MAY HAVE BEEN OFF AS THE CLOCK THERE ON ANOTHER FLOOR WAS WAY OFF. ON THE OTHER FLOOR WE HAD AN URGENCY FOR MY SON HAS A XXXX AND THIS MATTER IS MAKING THINGS MORE HORRENDOUS. PRIOR, CHECKING THE TIME JUST BEFORE WE ENTERED THE COURT BLDG AND WE WENT UP TO THE FLOOR WE BELIEVED WE WERE ON TIME IT WAS XXXX XXXX XXXX. HEARING WAS AT XXXX AND HAVING NO PROBLEM FINDING THE COURT ROOM HAPPY WE WERE ON TIME WE WERE STUNNED LOOKING AT THE COURT CLOCK BEFORE THE DOOR SHOWING WE WERE 15 MINUTES LATE WE TRIED TO GO INTO COURT ROOM AND THE BAILIFF SAID SHE RULE ON IT I CAN NOT GO INTO THE COURT ROOM YOU ARE 15 MINUTES LATE.
I WENT TO THE JUDGES CHAMBERS AFTER WAITING AWHILE AS THE JUDGE WAS ALLEGE IN TRIAL AS PER HER SECRETARY WHO HANDED ME A PRINT OUT OF THE JUDGES RULING AND MY HOME HAD A SALE DATE FOR XX/XX/XXXX. THEREFORE, IN APROX 14 DAYS FROM WRITING THIS LETTER TO CONSUMER PROTECTION { FEDERAL LEVEL OF GOVERNMENT ] AS WELL AS SENDING A LETTER TO THE FLORIDA STATE ATTORNY GENERAL 'S OFFICE { I BELIEVE STATE LEVEL OF GOVERNMENT } FOR ALLEGE FRAUD ON PREDATORY LENDING PRACTICES BY THE LENDER OR BUYER IRRESPONSIBLE HOLDING AN INVALID NOTE PRINCIPLE. I WROTE TO BOTH ENTITIES ON THE STATE AND FEDERAL GOVERNMENT LEVEL WEEKS AGO AS MY HOME MAYBE GONE ON THE COURT STEPS XX/XX/XXXX, UNJUSTLY AND ILLEGALLY, ALLEGE. AND THIS SALE DATE IS BASED ON THE PLAINTIFF STANDING WITH AN ALLEGE FRAUD NOTE PRINCIPLE AND MORTGAGE HELD BY AN ELECTRONIC ROBO MERSE LOAN INITIATED BY MAIL BY QUICKEN LOANS REPRESENTATIVES ALLEGE.
BECAUSE I REACHED OUT FOR LEGAL DEFENSE TO QUESTION QUICKEN LOANS PREDATORY LENDING PRACTICES. THIS ALLEGE FRAUD NOTE PRINCIPLE ALLEGE MANIPULATED AND/OR ALTERED BY ALLEGE QL QUICKEN LOANS ASSIGNS AND SUCCESSORS. IT IS DEFINITELY IN QUESTION WHO IS REALLY THE IRRESPONSIBLE LENDER?
QL, QUICKEN LOANS SER COLLECTION ATTORNEY AND THEIR AFFILIATES HAD CERTIFIED CERTIFICATE OF A NOTE BY MY HUSBAND XXXX AND DISREGARDING I HIS WIFE XXXX AM THE ORIGINAL NOTE HOLDER NOT HIM AND HOW DO THEY MAKE ANY STANDING ON THIS?. ONLY RECOGNIZING MY HUSBAND AS THE NOTE HOLDER THIS IS INCORRECT AND UNTRUE! IN ANY EVENT, WE ARE LEFT TO DEAL WITH THIS MESS IN SUCH A SHORT TIME. THINK ABOUT HOW WE WERE SET UP? MY LAW FIRM ATTESTS THROUGH THEIR EMAIL PORTAL THEY RECEIVED THE FORECLOSURE HEARING NOTICE ON XX/XX/XXXX FOR XX/XX/XXXX HEARING. THEY DO NOT GET BACK WITH US AND STOP RESPONDING! THINKING MAYBE THIS IS SHORT UNETHICAL NOTICE EVEN FOR AN ATTORNEY HANDLING MANY OTHER CASES GIVEN THEM THE BENEFIT OF THE DOUBT? HOWEVER, THEY HAVE NOT RESPONDED UNDER THEIR LAW FIRMS NAME I RETAINED THEM UNDER! WE WRITE THE JUDGE XX/XX/XXXXSTILL BELIEVING OUR LAWYERS ARE GOING TO DEFEND US! I RECEIVE THE RETURN RECEIPT FROM THE JUDGE SHE GOT MY LETTER XX/XX/XXXX!. PRIOR TO THE HEARING ON XX/XX/XXXX WE BROUGHT ALL MY PAPERS TO FLORIDA XXXX XXXX COUNTY COURT AS SUGGESTED BY THIS VERY SAME COURT AND SPOKE TO THEIR CLERKS.
I BROUGHT MY CONCERNS TO THE JUDGES CHAMBERS WAY BEFORE THE MOTION TO SHOW CAUSE AND I EVEN HAD SHOWN TO COURT FOR THIS HEARING TO SHOW CAUSE ON XX/XX/XXXX, I BELIEVE WE WERE SHUNNED TO BE HEARD FOR A DISCREPANCY OVER A COURT CLOCK ALLEGE OFF ON ITS TIMING THEREFORE A SALE DATE WAS PLACED AGAINST MY HOME FOR XX/XX/XXXX. AFTER, THE RULING I HAD CALLED BACK TO THE CALIFORNIA STATE ATTORNEY GENERAL OFFICE AND THE CA BAR ABOUT THIS LAW FIRM IN QUESTION I GOT THE RUN AROUND. IT WAS THEIR FINDINGS A YEAR LATER THERE WAS NO LAW OFFICE BY THAT NAME IN SEARCHING THEIR COMPUTERS TO LET ME KNOW THIS. WHEN PRIOR I WAS INFORMED THERE IS A LAW FIRM BLDG ACTUALLY THERE! THEN I THE STORY CHANGED ON MY SECOND CALL TO CA ATTORNY GENERAL OFFICE IT CHANGE TO THERE IS A LAW FIRM, BUT JUST LEGAL ADVISE AND HANDING OUT LEGAL PAPERS, THEN I CALLED BACK THIS SAME LAW FIRM I HIRED AND THE RECEPTIONIST WHO WAS NEW SAID THEY WERE A LLC REALITY LICENSING COMPANY OF SOME SORT. THEN I CALLED AGAIN THE RECEPTIONIST SAID THERE IS A BLDG AND SHE IS NEW ALSO AND SHE IS WORKING IN THE BLDG BUT NO ONE CAN GO THERE JUST HER AS IT IS A MOTOR CYCLE LEASING COMPANY. THEN I CALLED BACK AGAIN THIS LAW FIRM XXXX AND CALLED INADVERTENTLY WAY BEFORE THEY ARE OPENED AS TIME DIFFERENCE I AM IN FLORIDA THEY ARE IN CALIFORNIA. A NEW SECRETARY ANSWERED THE PHONE AND EXCLAIMS " XXXX XXXX YES THERE IS AN ATTORNEY AND I WILL LET SO AND SO ATTORNY KNOW YOU HAVE A SALE DATE ON YOUR HOME. GLAD TO KNOW I HAVE AN ATTORNEY 'S LAST NAME AT THIS POINT! BUT SOMETHING IS WRONG AS IT SEEMS THINGS HAVE CHANGED HANDS WITH THIS LAW FIRM AND ALL MY CALLS ARE AVOIDED. SHE FURTHER STATES WE HAVE AN OFFICE WHERE WE WEAR MANY HATS HERE. REFERRING TO MY CASE STILL LEAVING ME IN THE DARK! HOWEVER, NO ONE EVER GOT BACK WITH ME AND THEIR WEB SITE PORTAL SAYS THEY DO NOT WEAR THOSE TYPES OF MANY MENTIONED HATS.
NOW GOING BACK TO WHERE MY HOUSE WAS ALLEGE ALREADY SOLD ON THE COURT STEPS PRIOR TO THIS NEW SALE DATE XX/XX/XXXX AND NOT TO MY KNOWLEDGE AT THE TIME IT WAS SOLD! IN OR AROUND XX/XX/XXXX/XX/XX/XXXX AND FEELING ENTRAPPED TO START PAYING TO AN UNKNOWN BUYER IN OR AROUND XX/XX/XXXX/XX/XX/XXXX THROUGH THE LAW FIRM I HAD HIRED. AT THAT TIME THIS LAWYER FIRM HAD A GREAT REVIEW RATING WITH THE XXXX AS AN A RATING HOW I'LL NEVER KNOW AT THIS POINT ON WHATS THE POINT OF THE XXXX IF THIS IS WHERE IT HAD LED ME TO RUIN BY THE INFO NOT BY XXXX. I WENT TO THE MANGER AT THIS SAME LAW FIRM WHO I HAD A MEETING WITH PRIOR IN XX/XX/XXXX WHO INFORMED ME HIS AFFILIATE REP SHOULD HAVE NEVER TOLD YOU THAT t THIS WAS REGARDING THEIR REPRESENTATIVE SAYING TO ME YOUR HOME WAS SOLD ON THE COURT STEPS AND TO START PAYING SOME BUYER I KNEW NOTHING ABOUT? AND THE MANGER OF THIS LAW FIRM AGREED TO CONTINUE WORKING ON A QUITE TITLE AS THEY HAVE REVIEWS THEY HAVE DONE FOR MANY OTHER CLIENTS THAT WERE ENTITLED TO A QUITE TITLE UNDER THE LAW AND REASSURED ME SEVERAL TIMES I TOO WAS ENTITLED VERBALLY AS WELL. AND IT WAS THEIR LAW FIRMS GOAL TO DO SO! IN MY CASE I STILL HAVE MY ORIGINAL WET INK NOTE ATTACHED TO MY ORIGINAL PROMISSORY NOTE FROM XX/XX/XXXX. WHEREAS PRESENTLY QUICKEN LOANS AND THIS ROBO SIGNING CRAP IS PLAYING GAMES WITH MY NOTE ALLEGE.
WE HAVE SUFFERED PREDATORY LENDING PRACTICES THROUGH OUT OUR TITLE TRAIL ALLEGE XX/XX/XXXX XXXX, HOME EQ, XXXX XXXX XXXX XXXX ETC. I WILL NOT FORWARD THOSE DOCUMENTS ONLY IF NEED BE. HOWEVER, WE ARE PRESENTLY CONCERNED WITH QUICKEN LOANS XXXX XXXX AS IN THE INITIAL BEGINNING MY NOTE WAS QUICK CLAIMED OUT FROM UNDERNEATH ME [ WIFE ] BY QUICKEN LOANS WHO I BELIEVE ALLEGE SCAMMED PAPER WORK THOUGH AN XXXX XXXX XXXX ALL DONE BY MAIL AND NOT IN PERSON. THE LAW FIRM I HIRED SENT QUICKEN LOANS A DEMAND LETTER AND A CEASE AND DESIST. [ PLEASE SEE THOSE DOCUMENTATION ] THE ONE DOCUMENT CALLED A CEASE AND DESIST PROTECTED US UNDER THE LAW { PUT LAW STATUES } FROM ANY MORE HARASSING QUICKEN LOANS COLLECTION ATTORNEY 'S, ACCORDING TO THIS LAW FIRM.
PRIOR, QUICKEN LOANS COLLECTION AGENCY HAVE ALLEGE MANIPULATED MY NOTE AND MORTGAGE BY BLACKING OUT LOAN NUMBERS, NAMES AND THIS CONTINUED THROUGH OUT THIS MANIPULATED CLOSING DOCUMENT AND FILING THESE MANIPULATED DOCUMENT WITH THE COURST MAYYBE ALLEGE VIOLATION UNDER FLA STATUE 817.535 UNLAWFUL FILING OF FALSE DOUMENTS OR RECORDS AGAINST REAL OR 'PERSONAL PROPERTY { E } 2. 1 ( C ) 1. ' PRIOR, TWO YEARS BACK WE BELIEVE WE WERE COARSE TO SIGN IN XX/XX/XXXX A PERMANANT LOAN MODIFICATION MANIPULATED CLOSING PAPERS WITH THE NOTE ALL BLACKED OUT LOAN NUBERS AND NAMES VS THE ORIGINAL NOTE MARKED UP { SEE COMPARISON } WHO AND WHERE HOLDS THE NOTE? QL COLLECTION ATTORNEY 'S AND THEIR AFFILIATES HOLD A CERTIFIED CERTIFICATE SAYING THEIR ATTORNY WITNESS MY HUSBAND XXXX AS THE ORIGINAL NOTE HOLDER PRESENTED AN ORIGINAL NOTE HELD IN THEIR LAWYER 'S OFFICE IN XX/XX/XXXX IN XXXX XXXX XXXX XXXX FLORIDA, THEIR OFFICE. HOW? THE ORIGINAL CLOSING WAS DONE IN XX/XX/XXXX AT OUR HOME ADDRESS BY MAIL AND NO ONE IN PERSON WAS THERE AND IT IS A DIFFERENT LOCATION MY HOME ADDRESS AND THE NOTE WAS IN WIFE NAME ONLY! NOT XXXX HUSBAND IT SEEMS THE IRRESPONSIBLE LENDER IN QUESTION MAY NOT HAVE CLEAN HANDS ON THE ORIGINAL NOTE CLEARLY MANIPULATED BY BLACK MARKED LOAN NUMBERS AND NAMES THAT DIFFER FROM THE ORIGINAL CLOSING NOTE ON XX/XX/XXXX! PLEASE REFER TO THOSE ATTACHED DOCUMENTS FOR COMPARISON.
XX/XX/XXXX ONE YEAR LATER AFTER ORIGINAL CLOSING IN XX/XX/XXXX REGARDING NOTE SO NOW THERE ARE TWO NOTES ONE IN XX/XX/XXXX AND NOW ONE IN XX/XX/XXXX? YOU KNOW WE COMMON PEOPLE HAVE INTELLIGENCE OF AN ATTORNEY AND SOME ATTORNEYS HAVE COMMON KNOWLEDGE OF AN IDIOT! PLEASE NOTE : WE NEVER MET ANYONE IN PERSON REGARDING QUICKEN LOANS COLLECTION ATTORNEY 'S OFFICE AS CLOSING IN PERSON AND A NOTE HELD BY XXXX IS NOT TRUE! THIS CLOSING WAS ALL DONE BY MAIL AND THE NOTE WAS IN MY XXXX NAME NOT IN MY HUSBANDS NAME. HOW DARE QUICKEN LOANS MANIPULATE TO QUICK CLAIM MY NOTE OUT FROM ME INTO MY HUSBAND XXXX AGAINST MY WISHES!
PLEASE NOTE : I XXXX WIFE OWNER OF THE NOTE WAS NOT TO BE MANIPULATED OUT FROM UNDERNEATH MY NOTE AND DEED ON XX/XX/XXXX CONSIDERING THE LOAN WITH QUICKEN LOANS REP CONVERSATION WITH MYSELF OR I WOULD NOT CONSIDER THE LOAN. MY HUSBAND WAS NOT PART OF OUR CONVERSATION WITH QL XX/XX/XXXX. IN ORDER TO GET THE LOAN FOR A FEW POINTS DOWN MY HUSBAND HAD TO JUST VERIFY EMPLOYMENT NOT A PROBLEM! AND EVERY THING WAS REASSURED WILL REMAIN THE SAME AS PRIOR IT WAS WITH XXXX! QL REP KNEW HE XXXX WORKED I DID NOT AND SO XXXX NEEDED TO FILL OUT PAPERS VERIFYING INCOME QL MANIPULATED US INTO SIGNING MORE PAPERS THROUGH THE MAIL REASSURING THEY JUST NEED ME TO SIGN THESE PAPERS I WAS ADAMANT ABOUT WHY THEY NOW NEED ME TO SIGN PAPERS INVOLVING MY NOTE. WHILE QL HAD BACK MORTGAGE PAYMENTS IN OBEY. IN OTHER WORDS WE WOULD NOT HAVE TO PAY MORTGAGE PAYMENT TILL XX/XX/XXXX WE ARE IN THE MIST OF CLOSING FROM XX/XX/XXXX DISCUSSION TO XX/XX/XXXXCLOSING.
NOW MORTGAGE PAYMENTS CAN BE IN THE ARREARS IF I DO NOT CLOSE. THE PAYMENTS WOULD NOT HAVE TO BE PAID UNTIL XX/XX/XXXX AND CLOSING WAS XX/XX/XXXX. I THINK THAT WAS GOING TO MAKE ME BEHIND FOR DEFAULT AS PER QL IF I DID NOT SIGN THOSE PAPERS BECAUSE OF QL. IN SPITE OF THAT, QL REASSURED THE NOTE WILL REMAIN IN MY NAME JUST SIGN THE PAPERS. LATER, I FIND MY NOTE WAS NOT IN MY NAME AND I GAVE QUICKEN LOANS XXXX LITERALLY SHOUTING AT THEM I WOULD TAKE IT UP LEGALLY AND THEY DID NOT LIKE IT BUT THEY EXPLAINED HOW THEY WILL PUT THINGS RIGHT THE WAY IT WAS AGREED AND IT WAS DONE! THEN XXXX A FEW MONTHS AFTER CLOSING WAS HOSPITALIZED. TO MAKE THIS SHORT QL SO HELPFUL OFFERING TO PUT THE PAYMENTS TO THE REAR OF THE LOAN FOR APROX 2, 000 YES TWO THOUSAND. APROX. THEN IT CHANGE TO A LOAN MODIFICATION, AND WE WERE STRUNG ALONG AND CHASTISED BY ANOTHER QL REPRESENTATIVES. THAT A LOAN MODIFICATION WAS NEVER OFFERED { XX/XX/XXXX LIED } QL SPIRALED THEIR OFFERED HELP I BELIEVE MALICIOUSLY OUT OF CONTROL, SO WE WOULD WIND UP PAYING FEES TO THEIR COLLECTION ATTORNEY WHO HAVE CHANGED HANDS THREE TIMES ALREADY OF NEARLY {$11000.00} IN FEES. IN OTHER WORDS, PAY SIGN OR LOSE YOUR HOME! WE FELT IT WAS LIKE ALLEGE EXTORTION IT SEEMED. HUD WAS A JOKE AT THAT TIME AND THE RUN AROUND WAS ABUSIVE, THEN I WAS REFEREED TO AN OTHER PROGRAM CALLED MONY MANAGEMENT THROUGH HUD. WE FELT WE WERE INTIMIDATED BY SOME MONEY MANAGEMENT PROGRAM ASSISTANT WHO TOOK ALL MY DEFENSE PAPERS AND NOTATIONS AND INSTEAD OF SOME KIND RESPONSE FROM THIS WORKER ABOUT QL REFUSING A LOAN MODIFICATION AND THE ABUSIVE RUN AROUND. SHE INSTEAD SAID NOTING HANDED ME A PAMPHLET HOW TO RESPOND TO THE COURTS FOR FORECLOSURE, NO HELP DID NOTHING SAID NOTHING, AND SAID SHE WILL BE ON VACATION FOR TWO WEEKS.
SHE SAID NOTING ELSE OTHER THEN IN A SNIDE WAY BLAMING US DURING A HARDSHIP WE DID NOT PAY OUR MORTGAGE PAYMENTS AS IF WE DID IT DELIBERATE. THIS WAS NOT TRUE WHAT SO EVER! SOME HELP SHE WAS GLAD SHE HAD ALL MY DEFENSE NOTATIONS AND DOCS, AND THEN TOOK OFF FOR VACATION, I AM BEING SARCASTIC AND RIGHTFULLY SO!. THEN WHEN SHE RETURNED BACK FROM VACATION WE CRAWLED BACK TO HER FOR HER TO HELP US ANSWER THE COURTS ON FORECLOSURE AS THIS PAMPHLET SHE HANDED US WAS NOT HELPFUL OR REASSURING WE MIGHT LOSE OUR HOME!
REACHING OUT TO OUR GOVERNMENTS WAS A JOKE FOR HELP AND THE RUN AROUND BUREAUCRATICALLY KEPT US ON A RUN AROUND MERRY GO ROUND. THIS PLACE MONEY MANAGEMENT OFFICE HAD A VERY INTIMIDATING FEELING AS HER FRONT DESK WAS A REALTOR WHO BUYS AND SELLS HOMES AS THE MAN ATTESTED AT THE DESK. SHE REPLIED TO US SAYING WRITE AND SAY YOU FELL BEHIND ON OUR MORTGAGE PAYMENTS AS XXXX WAS HOSPITALIZED. NOTHING ABOUT BEING SHOT DOWN FOR A LOAN MODIFICATION OFFERED BY QUICKEN LOANS. SHE DID NOT WANT TO HEAR THAT OR SHE WAS NOT GOING TO HELP US AT ALL! WHILE IN A WORK OUT WITH SEVERAL QL SUCCESS PACKAGES FOR A LOAN MODIFICATION MIND YOU IT WAS A SET UP LATER FOR QL QUICKEN LOANS COLLECTION ATTORNY TO BE AWARDED EXCESSIVE FEES OF XXXX XXXX AND OR TO CALL IN THE ENTIRE NOTE OF {$13000.00} LEADING TO FORECLOSURE CAUSING HARMFUL STRESS AND FINANCIAL STRESS!
BECAUSE I QUESTIONED THINGS AT THE TIME A LOAN MODIFICATION OFFERED FIRST IN XX/XX/XXXXTHEN AWAITING OUR NEW FRESH START IN XXXX /XX/XX/XXXX AS PER QUICKEN LOANS WHO THEN DENIED WE EVER OFFERED A LOAN MODIFICATION AWAITING OUR NEW MORTGAGE STATEMENT PAYMENTS. I XXXX NOTE HOLDER WAS BARRED FROM TALKING TO QL. JUST BECAUSE I QUESTIONED THEIR DECEITFUL LOAN MODIFICATION OFFER FOR SUCCESSFUL FAILURE! QL QUICKEN LOANS STATED WE DO NOT HAVE TO TALK TO YOU AS XXXX IS RESPONSIBLE FOR THE LOAN. QUESTION? WHY THEN IS MY HOME BEING SOLD XX/XX/XXXX AND THE PLAINTIFF QL QUICKEN LOANS OR WHOM EVER THE LENDER CULPRIT REALLY IS? WHY IS IT NOW SOLELY PLAINTIFF QL QUICKEN LOANS VS SUING SOLELY ONLY I XXXX WIFE WHO THEY KNEW I HAD NO JOB WHEN THEY INITIATED THE LOAN AND NEVER INITIALLY HAD SPOKEN TO XXXX HUSBAND WHO WAS NOT ON THE NOTE? WHY IS MY HUSBAND NO LONGER INVOLVED TO APPEAR ON COURT SCHEDULE AT THIS POINT QUICKEN LOAN PLAINTIFF VS NOT XXXX JUST XXXX? ON THE COURT DOCKET MOTION TO SHOW CAUSE IT READS XXXX VS QUICKEN LOANS? WHY? AND NOT THAT I WISH XXXX TO HAVE TO GO THROUGH ANY MORE HEADACHES WITH QUICKEN LOANS PLAYING GAMES! CAUSING HIM ILLNESS OF STRESS AS HE HAD HIS XXXX IN XXXX UNTIL QUICKEN LOANS STARTED PLAYING GAMES WITH OUR LIVELY HOOD FOR THEIR DEEP POCKET COMMISSION, ALLEGE.
WHILE UNDER THESE ABUSIVE SUCCESS PACKAGES AND GOVERNMENT PROGRAM QUICKEN LOANS AND THEIR RESOLUTION REPRESENTATIVES REASSURING POSITIVE HELP ONLY LEADING US TO AN ABUSIVE QL COLLECTION ATTORNEY 'S CALLING IN THE ENTIRE NOTE OF 138,000 APROX. QUESTION QUICKEN LOANS REASSURING HELP AT THAT TIME OF OUR BACK FEW MORTGAGE PAYMENTS BEGAN TO CLIMB WE AWAITED THE RESULTS OF A RUN AROUND LOAN MODIFICATION SUCCESS PACKAGE AND THOSE MORTGAGE BACK PAYMENTS BEGAN ESCALATING TO NO
Company Response: Closed with explanation
2018-04-20
OH
Incorrect information on your report
Mortgage: Conventional home mortgage
Complaint: Trying to refinance our mortgage I found out today that the mortgage company is falsely claiming that we have missed payments in the past year to stop us from refinancing.. The mortgage is with Quickens Loans who boldly got away with having no judiciary responsibility to pay the taxes on our home and now they are attaching big payments to the mortgage and claiming we have missed payments this past year ... They claim they paid the taxes, but our escrow account is short so they are still making us responsible for the taxes ... They did not pay the taxes for 4 yrs ... which lead to this mess and we spent XXXX to an attorney who will not do anything now ... to help us resolve this issue..hopefully you can do something..
Company Response: Closed with explanation
2018-04-19
FL
Closing on a mortgage
Mortgage: FHA mortgage
Complaint: In XXXX hey girlfriend at the time and I got an FHA refinance loan on the property we have lived on for 3 years to pay off homeowner and a lien. I stated numerous times prior to closing and throughout the process to add my name to title. The girlfriend at the time had no job, zero income, and no credit. My job history and credit qualified for the loan. We both did separate applications and both of us stated in our application that title will be held in both of our names. Since my credit in job history qualify for the loan I should have became primary borrower not a cosigner for FHA rules and guidelines do not permit co-signers unless they are blood related or married. Throughout our whole closing documents I am not mentioned as a cosigner only borrower. Trusting my lender and Title Company in good faith that they took care of all that we requested before closing. Come to find out summer of XX/XX/XXXXmy name was not on title. FHA requires all borrowers and co-borrowers to take title at closing. I've been fighting with them for many many months to correct this and they keep giving me the runaround saying that they made a phone call to her and ask her how she wanted the the deed too big 3 months before closing and she stated just keep it in my name only. I never knew about this and quite frankly it sounds made up. I've heard that this is an illegal practice. I have made 100 % of all the mortgage payments and 100 % of all the payments 3 years prior to our mortgage and now my children and I are being evicted out of the house on an unlawful detainer when she found out her name was the only one on there. I have spent thousands of dollars and many many hours trying to correct this and Quicken Loans nor Title Company will do anything. They did not follow FHA rules and guidelines for all borrowers and co-borrowers must take title to the property at closing I think I should have been told about the phone call since it was my loan or I never would have gotten the loan. Now I'm stuck on a tenants-in-common mortgage and we still liable for the debt but have no ownership rights and have no place to go. Neither title company or lender will admit their wrongdoing and handling our mortgage process. I how to put tens of thousand dollars into this property and have to walk away for the cops will be here any day to remove me from the home payments are all current and I've lost all equity I spoke with them today to do a scrivener 's error to correct this they refused. They have also appraise the property at application for times higher than what it was worth. I don't know what else I can do they will not budge. They need to correct this problem immediately before more damages occur if I have no home for my children I will lose custody. This is a huge colossal mess that they have caused in my life. They have denied any wrongdoing everything in closing documents are signed and initialed stating I should be on title and they're telling me a phone call changed all that. This needs to be resolved immediately thank you.
Company Response: Closed with explanation
2018-04-18
Northwoods, IL
Applying for a mortgage or refinancing an existing mortgage
Mortgage: VA mortgage
Company Response: Closed with explanation
2018-04-18
Benicia, CA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: I am a customer of Quicken Loans/Rocket Mortgage. I was investigating a HELOC with Quicken, called them, told them I wanted a second mortgage, and they connected me with " XXXX ... .our California specialist ''. I told her I wanted a second mortgage and she asked about my home value in regards to what it was last XXXX when I refinanced with Quicken. She then told me she would need to pull my credit report to really have an idea about my potential. She asked me if that was ok. I was apprehensive because it's a " hard pull '' on my credit ( which does not go away for a couple of years ). I agreed. She called me back and delivered information about what she found and then told me the payment would be {$3200.00}. I responded " oh you mean my first and second payment together? '' Then she dropped the bomb that the monthly payment she quoted would be a refinanced mortgage of what I have now at 4.75 % ( I'm paying 3.99 % now ). So I guess that approach works for some people with Quicken Loans. They think you are desperate and offer you something and if you really need the money, you may relinquish to take a loan with points and more interest. I told XXXX that you never mentioned a refinance and I made it clear I wanted a HELOC. She responded that " all their conversations were on tape ''. Clearly Quicken Loans has scripted this knowing full well they were not going to offer me HELOC since XXXX told me " we don't do those ... we don't to lines of credit ''. This practice needs to be stopped and stop baiting and switching what you are offering.
Company Response: Closed with explanation
2018-04-17
IN
Applying for a mortgage or refinancing an existing mortgage
Mortgage: FHA mortgage
Complaint: On XX/XX/XXXX we had inquired first about the HARP refinancing loan and was told by Rocket Mortgage that we did not qualify because our current loan was not backed by Fannie Mae or XXXX XXXX but that they had other programs that would fit our needs. XXXX XXXX reviewed our address on XXXX and XXXX for property estimate pricing and said they would be able to help us with a loan, That he could not only refinance our current loan but get us cash out enough to build a garage and consolidate a few bills. They ran our credit and requested some additional paperwork concerning another property that we owned also. All of which I provided the same day they requested it. They had us open an online account so that we could track our progress plus electronically sign any documents needed. Which we did. The loan detail from their website stated our locked interest rate, our property address and the fact that it was a manufactured home. I have the loan detail printed from their website. On XX/XX/XXXX I got an email saying welcome to the Rocket Mortgage website. I also supplied the requested paperwork on XX/XX/XXXX. On XX/XX/XXXX I got an email from XXXX XXXX saying What To Expect, that they had found the right mortgage program for us and they were working to do everything they could to get us to closing as quickly and smoothly as possible. And to continue checking our website for updates. Also on the XX/XX/XXXX I got a message from XXXX they would be our appraisal company. On the XX/XX/XXXXwe recieved our approval letter form XXXX XXXX and an acknowledgement that they had recieved all of our requested paperwork. On XX/XX/XXXX we got an email from XXXX that they would be our title insurance agency. On XX/XX/XXXX we got an email from XXXX XXXX that he would we our appraiser and would be out on Wednesday XX/XX/XXXX. He came out took all kinds of pictures and measurements and said our appraisal would be ready the following week. On XX/XX/XXXX I got an email stating we an updated loan estimate we needed to review and approve as our payment went down a little since the taxes and insurance were not as much as they first thought. On XX/XX/XXXX XXXX XXXX contacted us that there was a new redisclosure on our website but that we did not need to do anything, XX/XX/XXXX XXXX XXXX called and wanted me to call him concerning an issue with active HUD tags and for me to call him back ASAP. That our home was a manufactured home and they don't loan on manufactured homes. I was finally able to get ahold of him that afternoon and he said they canceling our loan because it was a manufactured home. I told him they knew that from day 1. He said no they had it as a single family home. I ask him about what he meant about active HUD tags and he said he didn't say anything about that. Yet I have the recoding he left me. I ask him for a copy of the appraisal. He said the didn't do an appraisal. After he rudely hung up I went straight to the website and printed my proof that they did know from day 1. Their loan detail that they put in the website clearly states manufactured home. And page three of their loan estimate states they would provide us a copy of the appraisal even if the loan did not close. XXXX XXXX ' message on my phone no harm no foul but that isn't true because if they did not loan they never should have ran my credit and put a hard it on it and my husband '. Then when I brought it to their attention that they did know from day 1 they went in and erased everything from my on line account. Luckily i printed it all before they did.
Company Response: Closed with explanation
2018-04-15
Hiawassee, GA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Investigation took more than 30 days
Company Response: Closed with explanation
2018-04-14
Alta, CA
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Complaint: I have a hard credit pull from the company below on XX/XX/2018. This is not something that I authorized or permitted but it has been showing up on my credit report. While I have contacted this company to have it removed they deny that they have any knowledge of this and will not take action.
XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with explanation
2018-04-11
Finksburg, MD
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: On XX/XX/XXXX i got sick and spend a few days out off work. Two weeks after i was told by my Doctor that i needed XXXX i spend two months at home after XXXX and i receive a XXXX XXXX XXXX check which was less than haft of my regular paycheck i wasn't able to make any payments on my monthly bills my utility bill was the only thing that was paid on time.
XX/XX/XXXX i was able to go back to work and started paying all my late bills and was able to get up to date with everything.Thank God my mortgage is up to date. i check my credit report and i saw how much this situation affected my credit.
Company Response: Closed with explanation
2018-04-10
Cordova, TN
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Company Response: Closed with explanation
2018-04-10
Quartzsite, AZ
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Complaint: On XX/XX/2018, my wife contacted quicken loans to get a preapproval for a home loan for us. She was told that in order to get that done, they will have to pull her credit. She is well aware that I dont want my credit pulled again. She gave her information and they pulled her credit and they pulled mine. She did not give the consent to pull mine. They even got my name wrong on the credit pull. They just use my first name with her last name assuming that we have the same last name. We tried to get it the pull removed but they say my wife should already know that pulling her credit means pulling mine too. They reviewed the conversation and true, they cant find the consent from my wife. They must have used the number from the old file to make the pull. Weve been in contact with the executive office and when she told us that, we requested that she put it in writing but she refused to do so.
Company Response: Closed with explanation
2018-04-09
Savannah, GA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: Quicken Loans ( now doing business as Rocket Mortgage ) did hard pulls on my credit information ( multiple times ) without my consent.
We are on our 3rd loan with the company. After the loss of a job, they were sending information saying they might be able to save us money on our mortgage. We responded with a phone call. On the phone, I was very clear that I was only checking in and that I was not sure their selections would save us any money since we already had a good rate.
I was also clear that I did not want them to pull a hard credit inquiry. I was told they would not do this because we already had an existing loan and quite a long record with them.
Not only did they pull a credit report, they pulled a 2nd report 2 months later. Neither was authorized in any way. They had asked me ( by email ) to go to their website and fill out an " intent to proceed, '' which I did not do because we decided against the refinancing.
When I checked my credit report I contacted the company about these pulls because of the conversation where I was told there would be no credit pull. The VP of the company said their recorded phone calls did not go back far enough for her to verify that conversation, therefore she could not do anything. I reminded her that it is against the law to pull a report without permission and that, if her records don't go back far enough to verify our conversation, they don't go back far enough for her to verify that her company had permission to do these pulls.
Her stance is that, based on the phone call, I gave implicit permission. I did not.
Company Response: Closed with explanation
2018-04-08
Harrison, ME
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with monetary relief
2018-04-07
Fort Pierce, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: hard credit inquiries XXXX-XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/quicken Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/quicken Loans Inquiry from XX/XX/XXXX XXXX/quicken Loans Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Company Response: Closed with explanation
2018-04-07
TX
Applying for a mortgage or refinancing an existing mortgage
Mortgage: FHA mortgage
Complaint: This complaint is against XXXX XXXX NMLS # XXXX with Quicken Loans Toll Free : ( XXXX ) XXXX ext. XXXX. On Tuesday, XX/XX/XXXX, I spoke with Director of Finance XXXX XXXX via phone and text. The loan officer XXXX XXXX I had previously worked with was out of the office. XXXX had previously advised me that if I could show more income possibly through a co-borrower then I could possibly get approved for the loan of $ XXXX for a home. XXXX had told me weeks ago, my DTI was approximately 55 %. My mother agreed to co-sign. XXXX confirmed a time for us to call her on a conference call. We called my mother on conference call and XXXX entered the information. XXXX demeanor was as if he purposely did not want to get me qualified based on race. For example, I kept explaining to him about my mother being an authorized user on the XXXX XXXX account, his reply was as if I was not being truthful. Next, he asks me again about liquid funds and the down payment. I inquired about Down Payment assistance programs in Tennessee ( XXXX had already told me they work with or were aware of different programs and could provide information for them ). XXXX says abruptly he did not have any information on down payment assistance and continue to badger me about where I was going to get the money from. I replied Down Payment assistance funds could be 100 % gifted and he confirmed with a snarling statement As long as you can show documentation then he repeated it as if I was some 2X criminal. I replied Everything has to be documented in Mortgage and showing proof was not the issue. XXXX had never badgered me about where I was getting the funds from. XXXX also asked me about if I ever planned on paying back my student loans. ( He never suggested or recommended I contact the student loan department to set up a repayment plan so they would not have to use 1 % of my total loan debt which skewed my DTI tremendously. XXXX also tells me my DTI is still 55 % after adding my mothers income. Really? ) I could tell the conversation was taking a turn for the worse and could sense this was racially motivated. My first name XXXX is an XXXX or XXXX XXXX name and I knew all the negative and unwilling to help treatment was revolving around this. XXXX would have been more willing to help if I was XXXX. He would have tried to offer suggestions and recommendations ( even though I know he could not actually TELL me what to do ) to help get me approved. The down payment is only 3.5 % ( which at most would be XXXX ). I could easily have that gifted or use the small amount in my retirement account toward down payment. It was not like I am buying a $ XXXX home. I asked XXXX how much a payment would be on a $ XXXX home and he replied roughly with taxes and insurance, it would be {$700.00} ( a few dollars ). I have paid $ XXXX or more in rent for the past almost 10 years with a clean rental history. Why were compensating factors not considered? As a MLO ; why did XXXX not send this to the underwriter to at least look at? If my credit report/rental history is clean and current with me paying $ XXXX per month in rent, why would I not be able to afford a {$700.00} Mortgage payment? XXXX did not take this into consideration because he wanted to intentionally not approve my loan based on race. After I spoke to Customer Relations at XXXX, I receive an email from XXXX the next day which tells me to review all of the customers compliments and reviews of peoples hes helped get approved. Approximately 99 % were XXXX people. I was very insulted. I am curious for CFPB to investigate the ratio of XXXX to XXXX XXXX approved for loans in his portfolio and at Quicken Loans.
I work very hard in my professional career, community, and church. I successfully completed XXXX XXXX a few years ago. I completed college within 4 years ( right on time ) after high school. I am not upset about the denial but the actual treatment from this person. I am appalled I was treated by a XXXX male with a superiority complex as if I was a criminal on the streets. XXXX acted as if I was getting drug money from under my bed and could not show documentation. It is insulting. My parents experienced segregation and went through a lot of racially motived things during their error of being professionals and purchasing their homes and other real estate. They were not afforded the opportunity to pursue a fair education and higher education. I am disgusted how I was treated and XXXX unwillingness to help. I do want this file investigated for disparate impact/treatment and overt discrimination. I want XXXX and his company also investigated for possible redlining. I want all of his calls and communication thoroughly investigated to confirm if he offered support, help or recommendations to XXXX buyers that he did not offer me. Thanks for prompt your attention to this matter.
Company Response: Closed with explanation
2018-04-06
Queens, NY
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: XX/XX/XXXX - I applied for a home mortgage with Quicken Loan website and a banker contacted me to ask for all confidential information ( income, debt, credit report, assets, etc ).
XX/XX/XXXX - Quicken Loan requested my current credit report. XX/XX/XXXX - Quicken Loan
contacted me via online email saying my debt to income ratio can not qualify for mortgage with them. I totally understand the reason and rejection.
XX/XX/XXXX - Another Quicken Loan banker " XXXX XXXX '' blind called me that she can help me get the mortgage approved this time and ask me again a lot of information. As she walk through the term and rate and cost, she kept emphasizing the call is recorded and ask for my agreement to do business with Quicken Loan ; she requested {$500.00} deposit using credit card.
I disagree with the urgency because I do not have rights to compare bank interest rate offer and terms with others at the moment. I simply ask her to provide me everything on record, such as email, paper mail, etc. She refused and pretend never heard. The worst part is she kept asking me for the agreement to do business with Quicken Loan and ask for credit card for deposit {$500.00}. I deeply concerned about my personal information may be misused by Quicken Loan.
Please please investigate this company 's mortgage practice. I believe they are attempting to take advantage of home buyers who is in tight schedule to secure a mortgage for closing. Thank you.
The call on XX/XX/XXXX is between XXXX - XXXX EST from number XXXX.
Company Response: Closed with explanation
2018-04-06
Allentown, PA
Written notification about debt
Debt collection: Mortgage debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-04-06
Mount Oliver, PA
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2018-04-05
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2018-04-02
Southern Pnes, NC
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Complaint: I have written letters and not received anything back I had I didnt make that I have asked for written consent from the company showing that I signed for these accounts I believe these were done fraudulently
Company Response: Closed with explanation
2018-04-02
PA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: FHA mortgage
Complaint: Hi my name is XXXX XXXX we have applied for a mortgage with Quicken Loans and ended up switching lenders Midway through XX/XX/XXXX Quicken Loans received a statement saying that we were transferring or FHA loan to XXXX XXXX XXXX and I have attached a copy of that statement. Which time Quicken Loans should have quit processing or loan but they did not they continued to process the loan without our knowledge or a written document after the XX/XX/XXXX for a intent to proceed. On XX/XX/XXXX are Quicken Loans contact XXXX XXXX send us a text message which I have attached stating that he had received a message saying that our loan was being transferred and he needed to know what was going on. Within one minute I replied back to him in the form of a text message once again that are loan was being transferred to XXXX XXXX XXXX he then proceeded to text me that he wanted to give us {$1000.00} in closing cost and {$500.00} after closing. Later that day we have come to find out that there was an appraiser at the property that was Quicken Loans appraiser. We had tried to contact him to ask him why he was there and this was all after the fact that he had already performed the appraisal during his appraisal nor the owners of the property or our realtor was present were unsure how he had access to the house and he is not willing to tell us. I have contacted the executive team and spoke with XXXX XXXX for her to look into this we are wondering why or loan was processed without our knowledge after we submitted several times that it was being transferred the response I got was there was nothing she could do about it and they needed to give the appraiser at least 24 to 48 hours to cancel the appraisal however there's no way we could have done that since we have no knowledge of the appraisal even being performed it was never conveyed to us that appraiser from Quicken Loans was going out there or would have made sense for us to call I even spoke to a gentleman by the name of XXXX around XXXX that same day of the appraisal asking about the XXXX dollars for closing and a {$500.00} after closing XXXX for me before an appraiser would even go out to the property that Quicken Loans would give us a call I have pulled all of my XXXX bills as well as my realtors and no phone call was ever made to us or convey to us that there was a realtor on his way out there I also ask Quicken Loans for their third party vendor phone number who the order appraisals through and was told that they would try to disclose the information but I have not heard a response back
Company Response: Closed with explanation
2018-04-02
Scottsdale, AZ
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Complaint: I attempted to use rocket mortgage, a product of quicken loans.
This resulted in a hard inquiry on my credit report.
The information I provided resulted in quicken loans offering me a loan for a {$5000.00} home.
The results were ridiculous and have I known the results were going to be a joke, I would not have used the service.
Company Response: Closed with explanation