Consumer complaint received 2023-03-29
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The three companies : 1. Rocket Mortgage -- ( this is who I believe to be at fault as Rocket Mortgage Direct-Deposited -- without my authorization -- a joint escrow refund check -- endorsed to myself and my ex-husband into a XXXX XXXX account that I am not an owner of, or signer on, and is only owned by my ex-husband, so I never received my half of the escrow funds refund in the amount of {$2200.00} ). Rocket Mortgage is blaming XXXX XXXX for the mistake. 
2. XXXX XXXX -- ( potentially as they are the ones who accepted a check jointly endorsed to my ex-husband and myself ; however, the checking account into which the escrow deposit was deposited is only owned by my ex-husband and I am not a joint owner/signer on his account and have never been on this account ). XXXX XXXX is blaming Rocket Mortgage for the mistake. 
3. XXXX -- According to Rocket Mortgage, they use a third-party company called XXXX to verify bank account information for consumers. I have spoken with numerous representatives at XXXX XXXX who say they have never even heard of XXXX and that they do not use them on their end. 

*Background information : On XX/XX/XXXX, my ex-husband and I sold our jointly owned marital primary residence, which was financed through Rocket Mortgage. After the Rocket Mortgage loan was paid off, there was an escrow balance refund due to us in the amount of {$2200.00} from Rocket Mortgage. Evidently my ex-husband provided them an incorrect forwarding address, so the escrow refund check was returned to Rocket Mortgage as undeliverable. Then, my ex-husband called Rocket Mortgage on XX/XX/XXXX and requested that they Direct Deposit the full amount into his solely owned checking account at XXXX XXXX. I contacted Rocket Mortgage to request the escrow refund and they informed me that it was deposited directly into my exs XXXX XXXX checking account. When I explained that I was NOT on his XXXX XXXX account and did NOT have access to his account, I asked them why Rocket Mortgage would direct-deposit a check that was endorsed to two different people into an account only owned by one of the people. Rocket Mortgage said they used some 3rd part company called XXXX to verify that I was indeed on the XXXX XXXX account with my ex-husband. 

At that point Rocket Mortgage told me to get verification from XXXX XXXX that I was not on my ex-husbands checking account and had in fact never been on his checking account. Therefore, I provided the information from XXXX XXXX to Rocket Mortgage as requested. It still was not enough for them to refund my half of the escrow check. Rocket Mortgage insists that the fault is with XXXX XXXX because XXXX provided information saying I was a co-signer on the XXXX XXXX account, but XXXX XXXX told me that they do not even have a business relationship with GIACT and never provide them with any account holder information. Either way, I did not receive funds from a check that clearly had my name on it because it was direct-deposited into a checking account that NEVER was owned in my name. The last correspondence I received from Rocket Mortgage was on XX/XX/XXXX and they refused all responsibility and refused to refund the money.

Company response to consumer: Closed with explanation