I have recently begun the house shopping process, and one of the first steps I took was to put my information into lendingtree for some loan offers. One of the advertised lowest rates and fees listed was Quicken Loans, so I clicked the Apply link, which then took me to Rocket Mortgage. I filled an application and was shocked to find that, instead of the 3.5% rates that were advertised to me on lendingtree, my offer was an appalling interest rate of 5%. This is with immaculate credit (which was confirmed by the loan offer showing me and my wife's credit scores) and more than 20% available for down payment, so I tried to adjust some parameters to see if I was missing any information.
The site requested I enter my SSN again, which I did. Then, to my dismay, Rocket said that it did not match. I tried putting in my SSN again, my wife's (since we are applying together, I had her information in the application as a co-loaner), nothing worked. Finally, Rocket locked me out of my account. I contacted support to have my account unlocked, and they informed me that I had made a "typo" on my application. At this point, I'm fuming with rage, since there's no way in hell my application would have even made it to the stage of showing me an offer if my SSN was input incorrectly. I checked my credit report and lo and behold, both my wife and I had a hard pull from Quicken Loans.
The Customer Service Representative informed me that, because of the "typo" in my application, they had to use the corrected SSN I provided to them and pull my credit AGAIN to grant me access to my account and give me access to the loan offer again. I politely told them to pound sand and they gave me a number to call during normal business hours to complain. They repeated over and over that without correcting the typo and redoing the report that I could not be helped.
I have hard evidence of a credit pull on both me and my wife's credit. I am still locked out of my Rocket Mortgage account. I am not going to allow them to pull my credit again when I already saw briefly a terrible offer of a 5% interest rate. Is there any kind of way I can salvage my credit or at least, file some kind of formal complaint against Quicken? This almost feels like fraud to me in that they can take my SSN, mess with that information, and then prevent me access to information that should be rightfully mine to peruse.
Submitted November 03, 2019 at 06:16PM by aznxk3vi17 https://ift.tt/2r5ezcJ
