Consumer complaint received 2022-09-07
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I XXXX XXXX am complaining about Rocket Mortgage illegal practices Roctet Mortgage Payoff my XXXX XXXX XXXX XXXX bills on XX/XX/22 for XXXX But never notified me XXXX XXXX about this mortgage payoff and literally placing the XXXX in my mortgage Escrow rate making it negative on my escrow taxes. 

I XXXX XXXX did find out until XX/XX/22 when they try getting XXXX from my checking account with XXXX XXXX XXXX for half the full amount XXXX every month for one year. Rocket Mortgage actions literally change my 30 year mortgage fix rate agreement that now effect my monthly payment by combining mortgage and Escrow. 
I XXXX XXXX was only paying {$970.00} dollars a month with rocket mortgage but now I am paying XXXX dollars every month for one year but rocket mortgage never notified me XXXX XXXX about there pay of actions at this time. 

I XXXX XXXX is very angry because nobody notified me XXXX XXXX about this rocket mortgage payoff until Rocket mortgage try getting money from my XXXX XXXX XXXX bank account. Rocket Mortgage stated that my water bill company was going to put a Lien on home and the bill was Delinquent but that not true and they are lying because XXXX XXXX XXXX XXXX XXXX was under a payment plan agreement with me XXXX XXXX. 

Rocket Mortgage payoff my XXXX XXXX XXXX for XXXX and then put the amount in my Escrow mortgage account but please keep in mind rocket mortgage never call me, text me, or email me about this rocket mortgage payoff situation with my water bill. 

I XXXX XXXX was already talking to XXXX XXXX XXXX XXXX for two month about an agreement and payment plan but I XXXX XXXX disagrees with the estimated water meter usages because my home at XXXX XXXX XXXX didnt have a working water meter for 6 to 7 years so everything is estimated usages with my water bill that wasnt corrected or change by XXXX XXXX XXXX XXXX XXXX and I XXXX XXXX only owe half of XXXX dollars. 

XXXX XXXX XXXX XXXX was never putting a Lien on my home and my water bill was not Delinquent at that time and I also enter a payment plan agreement with XXXX XXXX XXXX XXXX when all this just happen with Rocket Mortgage payoff my water bill without speaking to me XXXX XXXX and rocket mortgage telling me there interest come first. 

I XXXX XXXX started a new refinancing Loan Application with Rocket Mortgage on XX/XX/22 but I XXXX XXXX change my mind after speaking XXXX XXXX XXXX XXXX and started a payment plan agreement and started paying XXXX XXXX XXXX XXXX XXXX to XXXX dollars a month. I XXXX XXXX never know that after canceling the new refinancing loan application with Rocket Mortgages they went behind my back and payoff my XXXX XXXX XXXX XXXX bill on XX/XX/22. Please keep mind my XXXX XXXX XXXX XXXX bill was estimated water usages not the actual water meter bill that I been disputing for time. 



I XXXX XXXX do temporary contracts security work in XXXX XXXX XXXX for XXXX and live at XXXX XXXX XXXX for XXXX also had XXXX different mortgage company but only pay XXXX to XXXX dollars a month not XXXX month for XXXX year. 

I XXXX XXXX want 15 years to pay off this Escrow payment with no late fee and also separate my escrow bill from my mortgage bill as well thank you. I XXXX XXXX want two rocket mortgage bills not one also never payoff any of my bills without notified me of this action. I XXXX XXXX can not afford XXXX dollars every month and barely can afford XXXX every month because I do contract security temporary work that come and go on any day or month with no future. Please keep in mind my mortgage payment have only been XXXX to XXXX a month for XXXX. I XXXX XXXX XXXX XXXX mortgage payments for XXXX have never been late until now and I XXXX XXXX only gave rocket mortgage XXXX dollars instead of XXXX a month I can not afford to make this payment. 

I XXXX XXXX want to thank you rocket mortgage for paying the whole XXXX XXXX XXXX XXXX estimated water usages bill also my old non working water meter that I XXXX XXXX been disputing with XXXX XXXX XXXX XXXX for more then two year thank you very much you are best mortgage company. Rocket Mortgage is the best thank you very much for the XXXX a month for one year with my XXXX children and wife that I cant afford also dont forget my XXXX XXXX XXXX XXXX XXXX plan agreement so what thank you very much you are the best because it none of my business what personal bill rocket mortgage payoff because I dont have any say O well we have the right I guess who will judge you. 
Thank you very much rocket mortgage for going in my bank account trying to get your money but who know O well my lost your gain rocket mortgage you are best. 

I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Rocket Mortgage Policy # XXXX

Company response to consumer: Closed with explanation