Consumer complaint received 2023-11-25
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Rocket Mortgage , LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also sent to : Rocket Mortgage , LLC, XXXX, XXXX XXXX XXXX, XXXX, SC XXXX RE : Loan Number : XXXX Dear Sir/Madam : I received a call from the Rocket team on XX/XX/XXXX, which I have it transcribed as shown herein : Hi my name is XXXX XXXX I'm calling from the rocket mortgage insurance team home loan provider of XXXX XXXX bank I XXXX calling in regards to the email we received him regarding your homeowners insurance information him it looks like what happened was the policy your homeowners policy that you previously had with XXXX him for the XXXX to XXXX term had canceled due to nonpayment we had not issued a payment from escrow because your hazard or homeowners insurance was a non-escrow at that time and we is the mortgage company are able to backdate 12 months which would put it back to that XXXX him XXXX timeframe and we did not realize the policy is canceled until this year when we were trying to obtain the renewal um if you have any additional questions feel free to reach us our direct line to the insurance team is XXXX based on your letter I would recommend reaching out to them with us directly am due to them sending a refund back to you um for possible duplication of payment from an escrow account that we had not made him once again if you have any additional questions feel free to give us a call XXXX thank you have a good day It is not clear if this is for the XX/XX/XXXX to XX/XX/XXXX time-period or the XX/XX/XXXX to now period. 
If it is for the policy period of XX/XX/XXXX to Now period, I have already provided proof of insurance from the XXXX XXXX, specially the Insurance Declaration and copy of the www.mycoverageinfo.com. Please see the attached pages. The policy period is shown as XX/XX/XXXX to XX/XX/XXXX. 
If it is for the period of XX/XX/XXXX to XX/XX/XXXX, it is not clear what happened. We did not receive any notices from Rocket Mortgage or the current insurance at the time during these 14 moths ( Emphasis added ). Normally, insurance or mortgage companies give at least two notices before taking any action. Apparently, Rocket was sleep at the wheel for a period of 14 months. I suggested Rocket have me sign a letter of no-claims for this time period. XXXX thing is for sure is that I will not pay {$67000.00} for a period of no claims and Rockets error. They state this will COST {$67000.00}. What did they do for this? Also, it seems that notice date was XX/XX/XXXX, but it was delivered on XX/XX/XXXX. 
I will file, as I outlined in my previous mail, and take this matter to court. Please kindly indicate your Florida business office address in one week to file the claim in XXXX XXXX XXXX. If you do not cooperate, I will make an inquiry with the Florida state business directory. 
In addition, I will contact the XXXX XXXX XXXX and file a complaint. 
Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation