RockLoans Holdings LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/18/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 604XX	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. ROCKETLOANS & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
09/29/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Getting a line of credit	AL 35215	Web
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.
11/16/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 34609	Web	Servicemember
I am a XXXX servicemember and am eligible for an interest rate cap on my personal loan under the Servicemembers Civil Relief Act ( SCRA ). I contacted Rocket Loans to inform them of my XXXX XXXX XXXX and supplied a copy of my military orders. I have been told that the lowered interest rate has been applied to my account ; however, Rocket Loans has refused to provide an explanation as to how they calculated the amount of interest due on my payments and how my monthly payment is being applied to my loan principal. My wife and I have asked multiple representatives at Rocket Loans to explain how much of our monthly payment is going toward principal and how much is going toward interest, as the amounts listed on our online portal seem inaccurate. Additionally, my SCRA benefits were backdated, so I've requested that Rocket Loans provide an explanation as to how they calculated my overpayments and how they were applied to my account. Multiple phone requests for follow-ups have gone unreturned. We were encouraged last week when the Rocket Loan Chief Compliance Officer contacted us to advise that he was handling the issue. However, all we received as a response was an email with a link to a personal loan repayment calculator. I'm simply trying to understand where my hard-earned money is going and Rocket Loans is refusing to answer my questions. The complaint was filed after we received an incomplete response the Chief Compliance officer from Rocket Loans. We were very specific about our questions and the information we wanted on our loan. We asked Rocket for that information multiple times and they would not respond. After speaking with the Chief Compliance officer, I was assured that he would address our concern regarding our question that are interest rate was not reduced correctly under SCRA. The CCO responded a couple of days later and sent us a link to an interest rate calculator stating that it made sense to through his initial review. We took his message to mean that he confirmed that the amount that we were being charged was correct. However, we knew better and the math did not add up. We pushed again and asked again that they review the file in detail to confirm that they were charging the correct interest rate of 6 %. It was only after we pressed the CCO again that Rocket Loans then determine that they were overcharging us interest during XXXX ' period of XXXX XXXX services. Then our repayment schedule was updated to reflect the lower interest. It took me multiple times of pressing Rocket loans, and a high level officer with the company before they would acknowledge that they were charging us incorrectly and not providing the benefits we are entitled to under SCRA.
11/23/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	IL 60016	Web
I recently closed on a mortgage purchase with XXXX XXXX for a condo in Illinois. The closing was completed at the end of XXXX 2017 and the loan was sold to XXXX XXXX shortly after closing. XXXX XXXX is the current loan servicer and was the loan originator. Shortly after closing my loan, I began receiving multiple email notifications from XXXX XXXX to obtain a consolidation personal loan. Also, when I login online to view my mortgage account information, the XXXX XXXX promotion appeared. I later received a pre-approval confirmation and was approved for an XXXX consolidation loan with an auto-payment of approximately {$300.00} a month for a 3-year installment loan term. XXXX XXXX was then assessing a {$400.00} loan origination fee which I later discovered and the interest rate / apr range was 22-29 % ( also inflated from the original information provided ). My intention was to use these funds to consolidate various debts which ultimately would reduce my monthly payment obligation ( save me money ) and covert to a fixed installment repayment term. I received several communications from XXXX XXXX confirming my loan was approved and directing me to complete/sign my loan documents to fund the loan. I am including copies of these various communications as an attachment for reference. All of a sudden at the very end, I received an adverse action notice as was advised the loan funds would not be provided. Overall, the marketing information received from XXXX Loans was deceptive and provided clear direction the pre-approval, approval, and loan documents were good to go. Obviously this was a loan consolidation effort on my part which ultimately would have provided benefits in reducing my monthly payment obligation and would allow me to consolidate debt. I will admit the {$400.00} origination fee was not necessarily disclosed upfront at the time initial email communications began, but later in the process as the loan documents were getting prepared for signature I noticed this fee appear. Additionally, the initial interest rate/apr information provided was much lower ( less than 14 % ) than the later documentation conveyed of 22/29 % ( interest rate/apr ). The more I thought about what occurred, I realized how deceptive these communications were especially since I began receiving them shortly after closing on a recent mortgage loan with XXXX XXXX. I hope the supporting documentation will aid the CFPB in looking into this matter further. If this happened to me personally ; this is also occurring to other applicants which simply is n't right. Something is wrong here and an investigation should be conducted immediately.
12/01/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 241XX	Web
I was advised in XXXX that I would became unemployed XX/XX/2020 due to COVID 19 workforce reduction. I paid up as many bills as I could but this payment due XX/XX/XXXX I had to delay. My unemployment was delayed considerably but still managed to borrow money to make the XXXX loan payment before going 30 days past due. Again my due date is the XXXX of each month. I logged in on line XX/XX/XXXX at XXXX XX/XX/XXXX to make my XXXX and XXXX payments. The option would not let me chose anything sooner than Wednesday XX/XX/2020 as a payment posting date. I called and spoke with XXXX he advised that their system is set up to take up to 3 business days to post a payment. He confirmed that yes I would see the ACH process, money from my account on XX/XX/XXXX ( still within the timeframe to avoid being 30 days late ) but it will take them 3 days to credit my account. I asked if he could just do the payment on the phone to avoid a negative affect on my credit and extra days of interest. I was told no. I asked if they were offering any relief due to COVID unemployment I was told they would send me information. I decided to make the XXXX payment only at that time even though I was paying before going 30+ days delinquent it still impacted my credit which I felt was unfair and decided to hold my XX/XX/XXXX payment in hopes that my unemployment would get approved before the grace period expired. So now on XX/XX/XXXX I made the XX/XX/XXXX payment and my account was due for XX/XX/XXXX. As of XX/XX/XXXX I still had not received any unemployment and called XXXX to make a payment, that I once again borrowed from a family member. It's the XXXX of XXXX and I am trying to make the XX/XX/XXXX payment, again I was told the payment wouldn't post until XX/XX/2020. I made the payment anyway confirmation # XXXX even though I knew 1 ) I was paying before being 30 days delinquent and 2 ) since it's simple interest they're accessing excess daily interest charges and late fees against myself and other consumers even when they pay on time. I am now receiving unemployment but it is not enough to cover basic bills but I am managing all my accounts as they're very willing to work with people. This account I have stopped paying as their payment processing delay causes people to show as late, even when they're not and they're charging extra interest/fees. On my account alone a few extra days of interest n their pockets may not seem like much but when you multiply that by the thousands of people they do this to monthly it is a considerable amount of money and seems that it would be unethical and unfair
10/19/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA XXXXX	Web
i established the unsecured loan in XX/XX/2019 and had been making on time payments each month even with the covid out brake i began to look closer at the account because i noticed the principal balance was not moving none at all i even made some double up payments to the creditor i did get a couple extensions in the covid maybe 3 total along with applying for a loan modification because the principal wasn't becoming lower i went on line a couple months ago to see that my interest was 35 % online on the payment portal and for public records it was 9 % on credit karma and 24 % on another visual site so i continued to send them information that was requested which i have proof of that was to be for the approval for the loan modification well i finally read up on the whats happening and they qualify for the term predatory lenders the rules are that the interest on any account can not go past 10-15 % on top of the principal 35 % is trying to financially depress the customer and is a violation of law i have proof of every payment i made with them and totalling i should be 1/2 done with out the last 90 days and with i would be 52 % complete, if you where to check my credit right now the amount is still over XXXX dollars like i've never made one payment and its only been 3 payments since the last one i stopped because of covid and EDD couldn't keep up with issuing everyone 's benefits so they would be like 3-4 months behind i would sit here with no money and they where not willing to process my modification for lower interest so i'm going to begin the legal process to have this loan removed from my name or rocketloans can put my payments at 9 % interest like it says on public record and re allocate the proper amounts and remove those 3or 4 unlawful late remarks off my credit due to the fact that the federal government said while covid is happening creditors where not allowed to put bad marks on consumers credit yet they did it anyway so i need federal help resolving this dispute please help bccaise out here in california they are trying really hard to ruin me and my name and my credit and what ever else they can get there little hands on and that speaks for the community
11/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 381XX	Web
Im a victim of identity theft and have had a fraudulent personal loan that has been opened in my name with your company Rocketloans. I didnt consent, authorize, apply, nor request for this fraudulent personal loan to be opened in my name. The address, phone number, email, and information on file does not belong to me, and non of the information regarding these accounts where verified that they belong to me. Per the Fair Credit Reporting Act ( FCRA SECTION 603 ) if an account is reporting inaccurately or if a consumer is a victim of identity theft the account in question is to be removed/deleted off of a consumers credit file. I have sent you a debt validation letter, ftc identity theft report, and police report showing that these accounts are deemed as fraud. In spite of that XXXX has failed to provide me with a proper validation of the debt. You have been notified that your actions are detrimental to me and that your company has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your bank knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at Rocketloans for intentional infliction of emotional distress and at the other diminishes of the quality of my life. This fraudulent account need to be removed out of my name, and off of my credit files immediately! Please take in consideration my concerns regarding this matter and I hope to hear from you in a timely manner.
03/24/2023	Yes	Payday loan, title loan, or personal loan Pawn loan	Received a loan you didn't apply for	AZ 85719	Web	Older American
I was a victim of cyber fraud starting XX/XX/XXXX. Criminals hacked my checking and savings accounts and stole all assets. By the time I discovered what was going on, I immediately contacted my bank ( XXXX XXXX ), debit and credit cards and filed a case of fraud with all of them. Accounts were frozen and I was issued new account numbers, checks, and cards. Also reported fraud to credit reporting bureaus and blocked my information. Also reported fraud to the XXXX Police Dept, FTC, and XXXX XXXXXXXX XXXX XXXX. When I discovered the damage I noticed that the fraudsters applied for loans to add to my checking account I'm sure to replenish the money in my checking account in an effort to steal even more, they applied for loans with Rocket Loans, XXXX XXXX, and XXXX XXXX. The latter two companies denied the loans after doing due diligence by making sure I applied for the loans which I DID NOT. Rocket Loans, the loan company about which I am filing this complaint, did not do the required due diligence. They notified me that " a one-time payment of {$7000.00} was authorized ( NOT BY ME ) on XXXX XXXX, XXXX. I was stuck with paying off this loan as I don't have the resources to hire a lawyer to fight this corrupt loan company and did not want to risk further ruining my formerly very high credit score. I paid the amount in full with a check which I mailed on XXXX XXXX, XXXX. I would like my money back since this company granted this loan without my authorization. They are responsible for dumping this money into my checking account and charging high interest rates to be paid for this unauthorized loan. However, I've had little help from the bank and the reporting agencies mainly because I had little information on the individuals that did this to me. At the very least I want this company publicly reported so that others will be aware of their unlawful, predatory practices against vulnerable and unsuspecting people.
09/20/2023	No	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	TX 78664	Web
I was working with Rocket Mortgage to get a cash our refi to payoff some credit card debt. My credit score wasn't high enough even though I pay all my bills on time. They said that since some credit cards are at or near the limit my score was too low. They referred me to someone that was supposed to help me increase my score enough to continue with the refi. The said someone would call me to help. I received a call from XXXX XXXX. I thought he was with Rocket Mortgage, but he is with another company called XXXX XXXX XXXX. However his email is XXXX. He told me that if I applied for a loan with Rocket Loans and pay off two of my current loans, my score would increase enough to do the refi. The plan was then to payoff credit cards and the loan obtained by Rocket Mortgage. I was approved, obtained the loan, and paid the credit card and line of credit he suggested. However this did not increase my score at all. I was charged a fee of {$290.00} by Rocket Loans. I have a higher interest rate and higher payment than on the other two loans. So the only one that benefitted from the transaction was Rocket loans. The get the fee and the interest and I suspect XXXX XXXX will get some kind of incentive the referral for loan. This did not benefit me at all. In fact, I am in a worse financial position than I was before the transaction. I feel that Rocket Loans is pushing people to obtain loans from them just to generate revenue their company. It doesn't benefit the consumer at all. This should be further investigated to see how many they have promised an improved credit score when obtaining a loan from Rocket Loans and then this ends up not helping at all. It's just a revenue generating scheme.
08/09/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AR 722XX	Web
Dear Consumer Financial Protection Bureau : On Tuesday, XX/XX/XXXX in the afternoon, I contacted XXXX XXXX, a XXXX XXXX Company via phone. I spoke with XXXX XXXX specialist, XXXX in XXXX, Michigan. The purpose of my phone call was to make arrangements to change the due of my payments from the XXXX of the month to the last day of the month. There was a two fold reason for this, the first was that I get paid at the end of each month. And second, with changing the due date, I can avoid any late charges. During my conversation, I authorized XXXX to talk with my son, XXXX XXXX due to my XXXX. My conversation with XXXX became a three conversation. My son, XXXX XXXX, XXXX ( the XXXX XXXX Specialist ), and myself. XXXX XXXX Specialist, XXXX informed my son that there was NO WAY where XXXX XXXX can change the due dates to the payments. However, you ( I ) can make arrangements each month before the due date to delay payments. This way you ( I ) can avoid any late fees. I witness via hearing the conversation on the other phone line. On XX/XX/XXXX, XXXX XXXX to debit from my checking account {$110.00} ( Exhibit A - Bank Transaction Number of the XXXX XXXX Payment ). Two weeks later, I received an email from XXXX XXXX that they ( XXXX XXXX ) did not receive any payments from me ( Exhibit B - copy of the email from ( XXXX XXXX ).
05/28/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 904XX	Web
Due to a third party credit repair agency mistakenly disputing the wrong information ( all done via computer and non-human error ) Rocketloans received an auto-letter of possible fraudulent information on my account. Instead of contacting me to clear up the very small issue which has happened before with a credit card and is very easily fixed they took it upon themselves to breach Debit and Note contracts to quickly try to set an unauthorized ACH withdrawal for the entire loan amount just days after issuance with no regard to the implications with myself and my bank. Unfortunately due to their unprofessional XXXX response to the matter they breached contracts and my bank has cleared up the issues and I have blocked them from all further contact. I will contact all legal and law enforcement authorities if any more contact or attempts to debit are made and they will be used against them in a court of law. Please use this example to show the public and issue correct consequences for RocketLoans actions with total disregard to my well being since they indirectly also had my bank account locked ( to which I could not even access money to eat ) which I cleared up on my own while they ignored all calls even after I sent immediate proof of all information needed to clear the mistake. This loan is now void.
09/16/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	HI 967XX	Web	Older American
Early XX/XX/2019. I responded to an opportunity to apply for a loan Rocket Loans, which is a sister company of XXXX XXXX, my mortgage company. Turned out Rocket loans requires access into a persons bank accounts as part of the loan approval process, which was for {$8000.00}. I am a XXXX. They told me this practice is safe and is approved by the XXXX XXXX XXXX and to trust them while they are in my bank account. Against my better judgment, I got on my computer with them on the phone and helped them access my bank account. I was also asked to click on auto payments while I was in there. There was a hitch, however, I also send part of my salary to another bank, and the Rocket loan program could not do two banks, so instead, they set up the program to let me attach two weeks of pay stubs, which I did. Two days later, they said, they fixed the program so it can also access my other bank if I let them in.. I was then told it was due to anti-money laundering regulations or something.. I had enough. It all sounds fishy. This is a VERY intrusive process, and it made me feel like I was being XXXX. Even my bank had warned me not to do it but I really wanted the loan. I guess that is just one loan company but every creditor will want to do this if they can unless someone steps up and protects us, consumers.
10/16/2023	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95008	Web	Older American
In XXXX of 2023, Rocketloans.com started charging me for a loan for which I did not apply. A woman called XXXX XXXX XXXX stole my SSI ID number by hacking my WhatsApp account and stealing confidential and personal information like Driver 's licence but most important my Social Security ID card and number. Unfortunately, Rocketloans.com grants these loans through an online process. Only I am in possession of the original and authentic forms of identification and they are well guarded in my house. This loan should never have been approved. All they have is a Promissory Note which was signed using this woman 's email address - XXXX not my email address - XXXX. More details on the fraudulent loan : XXXX ) The amount of credit provided to you or on your behalf. The amount you will have paid after you have made all payments as scheduled. 15.209 % {$11000.00} {$25000.00} XXXX ) Total of Payments The cost of your credit as a yearly rate. The dollar amount the credit will cost you. The amount of credit provided to you or on your behalf. The amount you will have paid after you have made all payments as scheduled. 15.209 % {$11000.00} {$25000.00} {$36000.00}
11/13/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	ME XXXXX	Web
On XX/XX/19 I received an email Rocket Loans informing me that I have " Exclusive Offers. '' Shortly after submitting my application on the company 's website I received a response stating I was denied the loan. on XX/XX/19 I replied to the email requesting an explanation as to why I keep receiving offers to apply for the loan. I received a response from Rocket Loans Support stating the company uses an automated system and their decisions are based on credit reports and my income. I responded to that email by pointing out that the company unscrupulously soliciting business by misleading me, and I'm sure other consumers, into believing that I was qualified for a loan. On XX/XX/19 I received an email from XXXX XXXX, VP, Sales, informing me at all of the appropriate disclosures are at the bottom of the original email. As you can see in the attachment, the company clearly highlights the suggestion that one sees their respective offers before reviewing any disclosures. On XX/XX/19 I received two more offers from Rocket Loans, only a few hours apart. Clearly Mr. XXXX ' response is disingenuous.
06/14/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	GA 30318	Web
On XX/XX/XXXX I received an email from Rocket Loans advising me that it was the last day to make my payment before my account would receive negative marks on my credit report. I rushed to log in and scheduled the payment which was not drafted until XX/XX/XXXX. Last week I received an alert from my credit monitoring service that my credit score dropped XXXX points due to the negative reporting from Rocket Loans. I've called and escalated this situation up to what they call their leadership team and have been unable to receive any kind of solution. They claim the email is automated, but that is very misleading to write an email that states if I don't make the payment on that date then I will receive negative credit reporting. I've spoken to over 3 people and they all refuse to assist me with this matter, it is not fair to me that I receive these negative markings due to their lack of communication. I would like someone to research this matter, as this is against Fair Credit Reporting laws.
06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77087	Web
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
06/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CA 90746	Web
I was apart of an identity fraud and the woman who used my information was arrested and I was contacted by the XXXX in XXXX XXXX and I have proof of this. I contacted and provided back up information to XXXX XXXX who was XXXX of about XXXX credit companies where she took out loans without my permission. XXXX XXXX has done a XXXX for the loan of {$29000.00} which they sent to IRS. I have asked them if they would rescind the amount reported to IRS as it is increasing my income and I have to pay taxes on it. They have refused to assist me. I am in a dilemna as I can not refinance my home as my credit scores are low and I show owing debt that I do not have. I have paid a credit company {$2000.00} to fix my problem and for past XXXX years they are not responding to my calls or email.. I am now on XXXX and if I had been able to refinance my home loan in 2021 I would be able to pay my mortgage at the lower rate.
10/21/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 32837	Web
XXXX XXXX XXXX ( ROCKET LOANS ) XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX DENIAD MY LOAN FOR NO REASON, application was denied for no reason after reviewing my credit, there reasoning to many inquires ( shows too many inquiries within the previous 12 months ) I have a total of 8 Inquires in 2 years which current account and good standard no derogatory account XXXX credit score and i was denied several of Co -- workers had toll they were Denied with awesome credit this company is discriminations against XXXX has gone out hand this company in conjunction with ROCKET LOANS ARE DOING ILEGAL PRACTICES PLEASE INVESTIGATE AND REPORT THESE PRACTICES, AS I HAVE TO THE GENERAL STATE ATTORNEY, FBI, BANK COMMISSION, OFFICE OF CONTROLLER, FEDERAL TRADE COMMISION AND ALL AUTHORITY OF THESE PRACTICES OF THESE 2 BANK -- - RocketLoans.com XXXX XXXX XXXX
01/03/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	MI 48346	Web
I filed out a personal loan application for $XXXX. I completed all of the documents onXX/XX/XXXX. At XXXX XXXX this morning I was given a call by XXXX XXXX telling me that my application was complete and all I needed to do was sign the promisary note before XXXX XXXX and I would have the money by XXXX XXXX. I got off the phone and logged in to complete the requested document. Upon me logging in and clicking continue I was given a denial letter. I called back and asked them to explain how I went from approved and receiving the money by XXXX XXXX to being denied. Nothing had changed in my credit report. I was told well until you hit continue we don't really know if your approved until we run a hard credit report. Then why is an employee on a recorded line telling me I was approved and would have money by XXXX XXXX.
11/16/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 33805	Web
On XX/XX/2022 I, the consumer and natural person, was denied credit by XXXX XXXX XXXX when I applied for a Personal Loan through www.rocketloan.com Rocket Loans forwarded me an adverse action letter from XXXX XXXX XXXX denying an extension to my credit. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. Rocket Loans and XXXX XXXX XXXX is in violation of 15 U.S Code 1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.
10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 318XX	Web
i have called this company several times ( ROCKETLOANS ) about the loan that was open when i locked i was XXXX XXXX XXXX XXXX from XX/XX/XXXXXXXX XXXX XXXXill XXXX of XXXX i have filed police report and sent proof and done a ftc report XXXX and XXXX are failing to anything about the negative fraud accounts reporting to my credit thes loans was taking out round the same time these are causeing hardship to life and impacting me in ways that making it hard to recover from
07/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37167	Web
This is my second attempt to get this alleged debt removed from the consumer reporting bureaus. I requested verification on the alleged debt and was not sent a valid contract with my wet signed ink signature on it and also stating I have an alleged debt with XXXX XXXX. My legal requests were failed to be met and they are in clear violation of the FDCPA. This alleged debt needs to be removed from my consumer reporting immediately.
01/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21222	Web	Servicemember
Rocket Loans, XXXX, and XXXX XXXXXXXX bank posts late payments on credit report on a consistent basis when debt has been paid off years ago, I have contacted each company and disputed through credit bureaus multiple times within the past years, Im sure the debt is past the statue of limitations, I want the late payments removed from my credit report. The debts were paid, Why do they keep posting late payments to credit report?
06/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37167	Web
I XXXX XXXX, the consumer sent an Affidavit of Truth to Rocket loans on XX/XX/2021, to validate an alleged debt obligation. I have no knowledge of it and never received notice. Rocket loan never acknowledged nor responded to me. I need this removed immediately due to FDCPA and FCRA violations ... debt has not been verified or validated. please remove at once. Strict violation of 15 USC 1692g REMOVE AT ONCE.
06/02/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 92629	Web
So my identity was stolen someone took out a fraudulent loan under my information with Rocket loan company. I reported it to the police and the fbi I mailed the report to rocket loan and called them. They refuse to clear the name and still demand I pay them when I didnt authorize the loan or them to access my bank or social. They do not help me and I have no option but to look into legal options.
07/20/2022	Yes	Credit card or prepaid card Store credit card	Closing your account Can't close your account	NJ 079XX	Web
XXXX XXXX charge XXXX I was not authorized, and report to my credit report Rocket loan report XXXX installments loan to my credit report, this is someone use my ssn to get personal loan, I was a identity Theft person on XX/XX/2022, I gave police report, FTC report, but they not respond it, cause my credit from XXXX to XXXX, I never make loan, I dont need, this 2 company is unsecured company
10/20/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 32824	Web
I have applied for a personal loan and was denied by ROCKET LOAN with no reason perfect credit history no degarotiry account, income excellent no reason what soo ever These practices of discrimination are recurrent, i was refer by friend which is my co worker same situation of discrimination, provided all documentation to support my claim on the loan and i was denied for reason
02/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37167	Web
I sent an FTC report to XXXX also attached documents, XXXX never responded. I also attached factual errors and they are still reporting the fraudulent accounts on my consumer reports.
11/16/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NJ 07087	Web
On XX/XX/21, I was unlawfully discriminated and denied my RIGHT to extend credit pursuant to 15 USC 1691 ( a ) ( 3 ) as I in good faith I exercised my right as the original creditor.
10/31/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	SC 29680	Web	Older American, Servicemember
Someone use my personal information and got a personal loan for the amount of {$25000.00} in XX/XX/2018. It appears as charge off on our credit report.
09/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21222	Web	Servicemember
, article 18, of FTC act its fraud to keep reporting false information account was paid and closed never late years ago.
10/23/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CT XXXXX	Web	Older American
Filed complaint about this company in XX/XX/2019, like XXXX XXXX seems to enjoy dangling loan offers that dont exist.
02/03/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	AZ 85016	Web
ROCKET LOANS denied me an extension of credit on XX/XX/2022
01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23227	Web

01/04/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	NE 68025	Web

01/04/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Account status incorrect	CA 93535	Web

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60611	Web

12/27/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Getting the loan	FL XXXXX	Web	Older American

12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07040	Web

11/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 20770	Web

08/10/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CA 90621	Web

08/05/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 33179	Web

08/05/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 33179	Web

04/10/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75032	Web

10/18/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	FL 34744	Web

07/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35244	Web

03/15/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	IN 46710	Web Referral

02/13/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	NY 11226	Web

02/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77354	Web

09/22/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CT 06511	Web

03/05/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AZ 85298	Web

02/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	AZ 85142	Web

02/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30024	Web

08/19/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 77584	Web

04/07/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 33021	Web

01/02/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	PA 15044	Web