Rocket Mortgage, LLC

This is a follow-up complaint directly linked to Case # XXXX. I am filing this separate action because the CFPB feedback system for the previous case did not technically allow me to upload new files. I am now submitting the full, comprehensive packet of XXXX pieces of documentary evidence that completely expose Rocket Mortgage 's continuous servicing violations, accounting manipulation, and illegal credit reporting.The attached visual evidence includes XXXX XXXX XXXX payment receipts under protest ( {$340.00} and {$1600.00} ), the Line of Credit draw statement, the XXXX XXXX transfer history, and the Escrow Analysis proving the double FHA MIP billing glitch on Page XXXX. I demand that the CFPB and FTC review these documents alongside my detailed feedback under Case # XXXX, compel Rocket Mortgage to perform a manual audit, and instruct credit bureaus to fully restore my XXXX credit score baseline under the FCRA.

My mother had a mortgage from rocket mortgage, she passed away XXXX XXXX, I'm the joint owner now the single owner of the property. I summited and approved as the Successor of the property by Rocket Mortgage. I'm been requesting for the modification and they keep denying it saying the original owner must sign and they have no record or me being the XXXX or the property.. I sent in three times the proof their approval letter tax bill and other. They then say the have it then a month letter they don't have any proof .. it's been going on over a year

Despite our previous requests, Rocket Mortgage continues to withhold the information necessary to fully account for the charges reflected in our closing documents. Accordingly, we again request that they provide the following information at the closing of the sale : 1 ) A complete, itemized accounting of the {$15000.00} identified as Lender Paid Expenses at closing. 2 ) A detailed accounting of the {$6200.00} in Escrow Advances, including for each advance, the date of the disbursement ; the amount ; the payee or recipient ; and the purpose of the disbursement. This constitutes our third formal request for this information. We expect a complete and substantive response, together with all supporting documentation, without further delay.

I am a XXXX XXXX service connected XXXX XXXXXXXX veteran primary resident in XXXX, MD exempt from R.E property taxes as of XXXX VA loan originated through XXXX XXXX XXXX settlement date on XXXX DEED OF TRUST and DEED recorded on XXXX, but I paid RE taxes during settlement before exemption approval on XXXX and was fully refunded by XXXX XXXX of taxes paid, however due to the acquisition on XXXX by XXXX XXXX XXXXr my ( third mortgage company that my loan has been transferred to ), with Rocket Mortgage is now my fourth mortgage company my loan has been transferred to, Rocket Mortgage has ignored my RECORDED DEED OF TRUST and sent me a Validation of Debt dated XXXX, and now is trying to collect back taxes and escrowed trash and recycling for which I pay separately and is not to be escrowed, but my main problem is Rocket Mortgage is reporting to XXXX XXXX XXXX that my VA 30 year fixed loan is grossly delinquent and is now closed, when this is incorrect information, I have never been late…

Rocket Mtg LN XXXX XXXX XXXX Terrace ; XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX We are currently in the middle of the marketing period on an XXXX that is valid through XX/XX/year>. Rocket Mortgage has forced a new appraisal to be completed. Rocket Mortgages XXXX employees, in XXXX, can not explain why they decided to unnecessarily require a new value in the middle of the marketing period and refused to accept the current XXXX that Rocket Mortgage produced. Attached is a copy of the current ATP valid through XX/XX/year>. We cooperated, however, and the new appraisal was completed. The new value came in at {$200000.00} over the previous appraisal. The property does NOT have a working septic system and will need to be replaced with XXXX New Septic systems. There are also foundation issues and well water contamination issues that affect livability and structural integrity, which in turn affect the value of the property.…

I am filing this formal complaint against my mortgage servicer, Rocket Mortgage, for a recurring and systemic failure to properly process and credit my valid monthly payments, resulting in the unlawful and predatory accumulation of late fees and returned item fees under Regulation X of the Real Estate Settlement Procedures Act ( RESPA ). Since XX/XX/XXXX, Rocket Mortgage has repeatedly initiated and then reversed valid, fully funded payments made via XXXX. This has occurred approximately XXXX to 6 times over the past XXXX months. In each instance, my checking account held sufficient funds to cover the transaction, and my bank did not reject the transfers. On XX/XX/XXXX, I made my scheduled mortgage payment of {$990.00}. On XX/XX/XXXX, Rocket Mortgage unilaterally executed a " XXXX XXXX Reversal '' for this payment despite the funds being fully available in my bank account.…

The customer service agent told me i would have to leave the name on there or refinance the loan and pay large closing costs and a higher interest rate. I refused.

I have an FHA loan with Rocket Mortgage and am 9 months delinquent. I was placed on a Trial Payment Plan ( TPP ) modification, which failed because the proposed payment terms were completely unaffordable. Rocket Mortgage 's front-line representatives are refusing to run a new FHA Loss XXXX XXXX XXXX XXXX They are falsely claiming that they 'do not offer the supplemental plan ' and that my failed trial blocks me from further assistance. This directly violates HUD XXXX XXXX rules for cascading loss mitigation reviews. Rocket Mortgage has set a demand deadline on my home for XX/XX/XXXX. I request an immediate hold on all foreclosure and acceleration activities while an XXXX compliance team reviews my eligibility for the FHA XXXX XXXX program or a Standalone Partial Claim. ''

For two years rocket mortgage claims they issued me surplus checks from my escrow account. XX/XX/year> I was told they issued a check for approximately {$2000.00}. I called every other month for an update and still never received the check. On XXXX XXXX they were supposed to mail a surplus check for approximately {$1100.00}. I received letting informing me I would receive the check and if it was not included in the letter a separate letter with the check would be sent. Ive called multiple times without results no results other than the representative said it takes up to 30 days. Neither checks have been cashed.

Approximately XXXX yrs ago my payment increased from XXXX to about XXXX. Then a year ago.they increased it again XXXX XXXX a month.more than XXXX XXXX more than the original payment.it is a fixed rate at XXXX %. I live on a fixed XXXX pension due XXXX a work place accident that has left me permanently XXXX since XXXX suffered a severe brain trauma that makes communication with the company extremely difficult. I also have unapplied funds that they do let me apply. Can you please help?

I am seeking assistance regarding my mortgage servicer, Champion Mortgage, handling of my loan modification requests, appeal, and the foreclosure process. My home is currently scheduled for foreclosure on XX/XX/scrub>XXXX XXXX Over the past several years, I have participated in multiple loan modification efforts in good faith to retain my home. Throughout this process, I have experienced repeated issues involving payment disputes, servicing transfers, communication, and the handling of my appeals through XXXX, XXXX, and Champion Mortgage. During my first trial loan modification, my required trial payment was {$4300.00}, and I successfully made all of the required trial payments. During the trial period, however, my mortgage servicing transferred from XXXX to XXXX XXXX. After the transfer, I later learned that the new servicer believed certain trial payments had not been received.…

The Dates of the process are from XX/XX/year>, to XX/XX/year>. I was deceived and lied to by Rocket Mortgage 's XXXX XXXX. On XX/XX/XXXX, I attempted a refinance with Rocket Mortgage. I requested a refinance to borrow {$10000.00} against the equity of my home. In the process, the XXXX XXXX questioned an auto loan in my name. I proceeded to tell him that was in an XXXX XXXX office, to not use that. But he insisted on putting it in, so that it would take away showing a monthly payment for the new refinance mortgage. But he insisted I could still receive my XXXX to XXXX dollar payout. He also told me that I could get a better rate and lower my payments. He asked me what I thought my Home was worth. My home was appraised a while ago for {$280000.00}. I proceeded at the time to tell him, after upgrades of new windows and new bathroom vanities, I said maybe XXXX. I told him my XXXX feels I am right that they could ask that for my house.…

XXXX XXXX sold my mortgage to Rocket mortgage. I pay my mortgage on time every month. I recieved a notice that I am behind. I logged in to find out why. they have been over charging me for taxes and insurance all year. they told me to prove it. I asked for an account manager to call me, they said they can not call. My credit is going to be affected because they are over charging me.

Over the course of the last month I have been calling to get my mortgage payment adjusted to reflect that I no longer pay property taxes. I am XXXX percent total and permanent XXXX veteran and I have been approved property exemption from my local taxing authorities. Dispite numerous calls to rocket mortgage they claim they can not make the adjustment. They arent able to zero my taxes out or refund the XXXX dollars in escrow. Im beginning to feel as if its because Im a XXXX veteran and dispite jumping all the hoops to get this exemption they are holding it over my head because they are anti military

I am filing this complaint against XXXX XXXX XXXX XXXX Mr. Cooper ( loan # XXXX, property at XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX, now serviced by Rocket Mortgage. I have raised versions of these issues before and been told " no error occurred, '' but the servicer 's own documents contradict that determination, and I can now prove it with a line-by-line reconciliation ( attached ). UNANSWERED QUALIFIED WRITTEN REQUEST. I submitted a QWR/Notice of Error on XX/XX/XXXX ( Ref # XXXX ). The servicer acknowledged receipt and set its own extended response deadline of XX/XX/XXXX under 12 C.F.R. 1024.35 ( e ) ( 3 ). That deadline passed with no substantive written response. This is a violation of RESPA Section 2605 ( e ) and Regulation X Section 1024.35 ( e ). PAYMENT MISAPPLICATION DOCUMENTED BY THE SERVICER 'S OWN LEDGER. I reconciled the servicer 's internal " MRC Payment Activity '' export against my monthly statements and my XXXX XXXX records.…

I am filing this complaint regarding an ongoing mortgage servicing and escrow accounting dispute with Rocket Mortgage that has remained unresolved despite repeated attempts to resolve the matter directly with the company. In XX/XX/XXXX, Rocket Mortgage, the servicer of my mortgage loan, paid my property taxes from my escrow account as required. However, they also mistakenly paid the property taxes for eight unrelated properties using funds from my escrow account. In XX/XX/XXXX, Rocket Mortgage again used my escrow funds to pay property taxes for an additional seven unrelated properties. Rocket Mortgage representatives have acknowledged this servicing error during multiple telephone conversations and advised me that refund requests were submitted to XXXX XXXX to recover the improperly disbursed funds.…

I scheduled a bi weekly payment and they added a second full month payment that I never authorized. When I called to complain They said they couldnt remove it and I should call my bank.

I have a mortgage serviced by Rocket Mortgage on the property at XXXX XXXX XXXX, XXXX, TN, originated in XXXX. My insurance was initially escrow-paid by Rocket to XXXX. A few months later, I left XXXX and went to XXXX. XXXX was my designated Insurer, as communicated to Rocket Mortgage. In late XXXX, after XXXX was acquired by another company that sent unauthorized renewal notices, Rocket Mortgage paid the wrong new company insurer from my escrow account without my consent ignoring my direct records update with XXXX as my insurer, causing my actual policy with XXXX to lapse for non-payment despite Rocket holding the escrow funds meant to cover it. XXXX subsequently barred me from future coverage due to the non-payment its own records caused. I filed a state insurance complaint over this in XX/XX/XXXX ( Tennessee Dept. of Commerce & Insurance, XXXX XXXX ).…

I finally sold my home after it sitting on the market for two years. I did as instructed by the realtor and provided a payoff amount. Rocket mortgage is the buyers bank as well .. I called rocket mortgage at least 3 times a week during the closing process to ask if I needed to do anything. The closing was delayed a week. Finally all was done. I called again. Rocket mortgage misapplied the pay off .. and after I no longer owed the house sent a XXXX insurance payment to my insurance company. Which I had canceled. Now rocket mortgage still shows I own the house and is harassing me for money on a house I don't own. They mishandled my escrow account. They also are effecting my credit within nonsense. Did I mention they were the buyers bank so they still hold the deed on this so I dont have another bank complaining how bad they handled this transaction.

I completed an FHA Trial Period Plan and Rocket Mortgage wrongfully withdrew my permanent loan modification by falsely claiming non-receipt of documents, then denied my forced reapplication for not being delinquent enough. Timeline : Servicing transferred from XXXX XXXX to Rocket Mortgage ( letters dated XX/XX/XXXX and XX/XX/XXXX ). By letter dated XX/XX/XXXX I was approved for a Trial Period Plan under the FHA Loan Modification and Partial Claim program ( $ XXXX ). I made every trial payment and completed the TPP. Rocket issued my permanent Loan Modification and Partial Claim packet dated XX/XX/XXXX ( terms : new principal balance {$310000.00}, 6.375 % fixed rate, maturity XXXX/XXXX/XXXX, payment {$3300.00}, Partial Claim {$83000.00} ). The packet requested return of executed documents by XX/XX/XXXX and stated the offer would be denied only if documents were not returned by the last day of XX/XX/XXXX.…

Dual-Tracking. XXXX XXXX placed us in a drawn-out loss-mitigation and repayment-plan process while refusing or failing to accept and apply mortgage payments we attempted to make. The process lasted for months. Applications were repeatedly treated as incomplete, delayed, or denied, while arrears and charges increased. We were trying to retain the property and make payments, but XXXX handling made the delinquency worse. XXXX confirmed in writing that our loss-mitigation application was complete as of XX/XX/2026 and stated that foreclosure protections applied during the evaluation. XXXX then sent repeated letters saying the review was delayed because it was waiting for a third-party property valuation and that no action was required from us. A XX/XX/XXXX letter stated that the decision was expected no later than XX/XX/XXXX.…

I have been fighting back and forth with my mortgage company about my payments as far back as XX/XX/year>. I made payments starting in XX/XX/year>XXXX after reinstating my loan in XXXX. Then by XXXXXXXX XXXX XXXX was no longer my mortgage company and now Rocket Mortgage is saying they havent been receiving any payments. I submitted my bank statements showing proof of my payments. I was told those payments were correctly applied to my loan. But according to Rocket Mortgage, Im still late as of XXXX for not making any payments. I showed proof and I was told the payments were applied, so then why am i in Foreclosure???? Today XX/XX/year>, I received a letter from an attorney representing the foreclosure of my home of 30 years. Even though I showed proof that I made my payments and even though I have been going back and forth with loss mitigation, and filing complaints, i still cant get out of foreclosure.…

RE : Formal Escalation Pattern of Servicer Misconduct, RESPA Violations, and Documented Financial Harm I am filing this complaint because the response provided by XXXX XXXX to CFPB Case XXXX, XXXX was inadequate, non-specific, and failed to address the documented pattern of RESPA violations outlined in my original complaint. I am submitting the attached escalation letter as complete documentation of the violations, financial harm, and relief requested. I do not accept the prior response as an adequate resolution of this matter. '' SECTION 1 : OPENING STATEMENT This document constitutes a formal escalation of previously submitted CFPB complaints against XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is submitted in response to the inadequate, non-specific, and in some cases factually inaccurate responses provided by both servicers to prior CFPB complaint submissions.…

XX/XX/2026 received a delinquent tax bill from the city. Contacted XXXX XXXX, who purchased the mortgage XX/XX/2026, who then told me to contact the title company, XXXX XXXX XXXX XXXX XXXX and the original company servicing the loan, Rocket Mortgage. In short, XXXX XXXX XXXX XXXX XXXX suggested that it was something I had overlooked at closing, & Rocket Mortgage said they couldnt do anything because they no longer owned the loan. However, there was a line item showing the taxes were paid in the closing documentation obtained by XXXX from Rocket, yet the title company says I didnt pay anything towards those taxes. XXXX told me, as well, if they had to pay it out of escrow, my payment would increase due to a deficit for the following years taxes. I can not get a clear answer, or assistance in resolving the matter.

My home at XXXX XXXX XXXX, XXXX XXXX, ME closed on XX/XX/year> ( p. 1 ). On that exact day, XXXX XXXX XXXX wired the full mortgage payoff of {$280000.00} to Rocket Mortgage.As shown on Page 1 and 2 of the attached ledger from Rocket Mortgage, the bank received the funds on XX/XX/year>, but their system fractured the wire into three separate suspense payments ( XXXX XXXX, XXXX, XXXX ) ( pp. 1-2 ). On XX/XX/year>, Rocket Mortgage 's automated system executed " Suspense Adjustments '' ( IDs XXXX, XXXX, XXXX ) to reverse out the payoff funds ( p. 1 ). They then illegally rolled the account into XXXX active status and stuffed the account with thousands of dollars in arbitrary lender fees ( IDs XXXX ) ( p. 1 ) .Rocket Mortgage has 100 % of my payoff funds in their custody but is holding the property title hostage and manufacturing a false XXXX default. Under 12 CFR 1026.36 ( c ), they are legally required to apply payoff funds on the day of receipt.…

We have been trying to assume this loan for over a year. 1st complete package was recieved on XX/XX/XXXX. We recieved letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX stating we were missing all or some documents which were already submitted but we resubmitted each time. We signed our completed loan documents for closing on XX/XX/XXXX and were to have {$3500.00} showing savings. They have since changed that number to {$5900.00} then {$6500.00} each time making me resubmit bank statements. They refuse to give us any updates as to why there is a hold up. Rocket mortgage POC XXXX XXXX XXXX said we should of been closing between XX/XX/XXXX and the XXXX of this month. Which is not happening. Now they are saying we didnt submit our insurance. Which was submitted on XX/XX/XXXX and shows verified on their portal on XX/XX/XXXX. Now i will have to resubmit all my bank statements again. And they refuse to give me any information as to why this is happening.…

My mortgage servicing was transferred from XXXX XXXX to Rocket Mortgage. During this transfer, I received conflicting and confusing payment instructions regarding where and how my mortgage payment should be made. I relied on the information provided by the servicers and made every effort to remain current on my mortgage. Following the servicing transfer, Rocket Mortgage reported my XXXX XXXX mortgage payment as late to the consumer reporting agencies. I believe this delinquency resulted from the servicing transfer and the conflicting payment instructions I received, rather than from a deliberate failure to make a timely payment. I contacted Rocket Mortgage and requested a complete investigation. Specifically, I requested that the company review the servicing transfer records, my payment history, and the conflicting instructions provided during the transfer.…

I am filing this complaint because I have made approximately XXXX attempts to contact Rocket Mortgage regarding a mortgage servicing issue, and I have been unable to reach a representative who can resolve it. After my father passed away, I inherited his home located at XXXX XXXX XXXX, XXXX, FL XXXX. Unfortunately, the probate process took over a year to complete, so I was not legally able to transfer ownership into my name during that time. During probate, the homeowner 's insurance renewal notice was sent to my stepmother rather than to me. She did not forward the bill. As a result, the policy lapsed without my knowledge, and Rocket Mortgage placed force-placed insurance on the property. This insurance increased my monthly mortgage payment by approximately {$2000.00} per month for about a year. I had no practical way to obtain my own homeowner 's insurance until probate was complete and ownership of the home could legally be transferred into my name.…

b'On XXXX XXXX XXXX, Rocket Mortgage/XXXX XXXX issued a loss mitigation denial letter regarding FHA Case No. XXXX Loan No. XXXX, for the property at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. The denial letter was served on XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX GA XXXX a bankruptcy attorney whose representation was limited to a XXXX XXXX case set for dismissal on XXXX XXXX XXXX, and who had no authorization to receive RESPA loss mitigation correspondence on behalf of the borrowers. The letter was never delivered to the borrowers XXXX and XXXX XXXX directly.\n\nThis denial violates multiple provisions of Regulation X:\n\nDefective service under 12 C.F.R. 1024.41. Loss mitigation correspondence must be delivered to the borrower, not to counsel of record in an unrelated bankruptcy matter. No written designation of XXXX XXXX as authorized recipient was ever provided under 12 C.F.R. 1024.36(b).\n\nInapplicable payment-history test.…

RE : Predatory Steering, Conflict of Interest, and Closing Negligence by Rocket Mortgage XXXX XXXX I am filing this emergency complaint against Rocket Mortgage and their wholly owned closing subsidiary, XXXX, for flagrant consumer deception, predatory steering, and severe closing negligence that has resulted in an active U.S. Treasury wage garnishment and catastrophic credit report damage. XXXX. The Background & Closing Error : In XXXX, I refinanced my primary mortgage with Rocket Mortgage. Rocket Mortgage used their internal, wholly owned closing company, XXXX, to handle the closing and search public records. XXXX negligently failed to detect and clear a recorded HUD Partial Claim lien on my property. They closed the loan without paying off the federal lien. Because of this negligence, the debt has escalated to the U.S. Department of the Treasury.…