Product: Mortgage

Subject : Follow-Up/Additional Information regarding Prior Ongoing Complaint- Reference # XXXX Formal Complaint Regarding Loan Structuring, XXXX Filing Discrepancies, and Misleading Practices I am writing to follow up on an ongoing complaint/investigation I filed last month ( XXXX ). My grandson spoke to someone about the complaint and when he told them he is my POA they said because he was not added as a contact in the complaint. I want to make sure he can help me with this matter from here on out and have attached his POA, as well as a signed XXXX from me stating he has my permission to speak and act on my behalf to ensure my best interests are looked into and ensured when possible. 

That said, I also want to formally address and request a thorough investigation into the numerous discrepancies concerning practices involving my FHA refinance mortgage with Rocket Mortgage. These issues include potentially misleading or inaccurate information reported to XXXX, the unnecessary structuring of the loan as FHA rather than conventional, and a series of other practices that appear to be intentionally manipulative. 

XXXX. Inaccurate XXXX Filing Information - Loan Type Misrepresentation : The loan is classified as a " Home Improvement Loan '' in the XXXX filing. The XXXX filing states the appraised value of the home as {$400000.00}, while the closing documents and appraisal report list the propertys value as {$400000.00} Using the correct loan amount of {$320000.00} and the true appraised value of {$400000.00}, the XXXX ratio calculates to 81.4 %. Despite this, the XXXX filing inaccurately reflects a lower XXXX ( based on the inflated {$400000.00} appraisal value ). This inconsistency may suggest intentional manipulation to conceal the true risk profile of the loan. 

XXXX. Unnecessary FHA Structuring- With a credit score of approximately XXXX at the time of the loan being taken out, and a debt-to-income ( DTI ) ratio of 44 %, I would have been eligible for a conventional loan with PMI at the time of refinancing. Instead, the loan was structured as an FHA cash-out refinance, unnecessarily burdening me with additional costs such as upfront mortgage insurance premiums ( MIP ) and ongoing monthly premiums. 
- This structuring appears predatory, as the FHA loan unnecessarily locked me into terms that disproportionately benefit the lender. FHA loans also create less risk for the lender since they are federally insured, further calling into question Rocket Mortgages motivations. 

XXXX. Discrepancies and Targeted Actions - After filing my initial complaint with CFPB, Rocket Mortgage requested additional time to address the issue, yet they used that period to aggressively pressure me to sign a partial payment plan while simultaneously threatening foreclosure yet again. 
- On XX/XX/year>, they stated foreclosure was imminent if I did not comply. However, on XX/XX/year>, they transferred servicing of the loan to XXXX XXXX. This behavior is indicative of bad faith and an effort to absolve themselves of liability rather than properly addressing the loan concerns and liabilities I have been pursuing tirelessly for nearly a year now. 

XXXX. Broader Context of Potential Misconduct- It is worth noting the XXXX recent lawsuit against Rocket Mortgage for pressuring brokers to push borrowers into Rockets products, often funneling them into FHA loans when better options existed. These allegations align disturbingly well with my own case and servicing, or lack thereof, raising the question of whether this practice was systemic and targeted at vulnerable borrowers like me. 

Request for Investigation and Action I am requesting that you investigate the following : - The accuracy of Rocket Mortgages XXXX filings for this loan, specifically the misrepresentation of purpose and XXXX. 
- The structuring of the loan as FHA rather than conventional, despite eligibility for the latter. 
- The predatory practices used to pressure me into signing unfavorable terms, particularly given her advanced age, health condition and other hardships with the city encroaching onto her property, environment spill and contamination from sewage lift station, etc. 
- The impact of these actions on her financial and emotional well-being, as well as the broader implications for other borrowers subjected to similar treatment. 
- Any and all possible breaches of contract, violations, and laws they have broken in order to hold them liable for what they have done and continue to do to me.