• Report: #1182046
Complaint Review:

Quicken Loans

  • Submitted: Thu, October 09, 2014
  • Updated: Thu, October 09, 2014

  • Reported By: Jacheart — New York
Quicken Loans
Nationwide USA

Quicken Loans Imposing A Hard Inquiry Without Consent Detroit Nationwide

*Author of original report: Supposed to doesn't mean always

*UPDATE EX-employee responds: Quicken Loans bankers require consumer authorization to perform credit inquiries

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Quicken Loans joins a long list of double-tongued lending shysters who say one thing and do another.

A prime example is when they intentionally ding a prospective customer's FICO score with a HARD INQUIRY, even when they are asked NOT to do so in advance.

The truth be told, they hide behind a so-called legal right to shake down anyone in whom they choose, just because the potential customer asked what the ballpark parameters for prequalifying would be.

Shame on you QUICKEN! Not only do you offer obscene terms, you injure the very parties you pretend to help before they've agreed to conducting business with you. You may fooled me once (shame on you), but you'll never fool me twice (shame on me).

Buyer beware!

Quicken is a shady-dealing outfit that would make some of the most bloodthirsty lenders blush. If they'll screw you on the way in, imagine what they might do on the way out!!


This report was posted on Ripoff Report on 10/09/2014 04:20 PM and is a permanent record located here: http://www.ripoffreport.com/reports/quicken-loans/nationwide/quicken-loans-imposing-a-hard-inquiry-without-consent-detroit-nationwide-1182046. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
1Author 1Consumer 0Employee/Owner
Updates & Rebuttals

#1 Author of original report

Supposed to doesn't mean always

AUTHOR: Jacheart - ()

While I appreciate your insider view as a former employee, what one is "supposed" to do and reality are often two entirely different things; and when I challenged the honest thieves at Quicken to provide me with recorded PROOF of granting permission to acost my FICO score verbally, they declined --- even while announcing that calls are recorded for so-called quality control purposes. Consequently, INTENTION does not equal ACTUALITY in every case, and when I SPECIFICALLY requested NOT to be given a hard inquiry beforehand, the employee violated that trust and simply ignored my request in the vain attempt to gain additional information. Sorry... that's disengenious business practice, plain and simple and predatory lenders do it often.  

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#2 UPDATE EX-employee responds

Quicken Loans bankers require consumer authorization to perform credit inquiries

AUTHOR: toby - ()

As a former employee of quicken loans, bankers must specifically ask the question, "do i have you permission to request a copy of your credit report?"

at that point, if the consumer objects to the request, the banker can respond to the objection and again ask the same question requestng permission. otherwise laws protecting consumer credit are broken.

If permission is not granted, they simply dont request the credit report. If permission is granted, the report is requested.

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