Consumer complaint received 2020-02-11
Company: Rocket Mortgage, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This all stems from me going through a wrongful termination lawsuit of my employer by my local XXXX XXXX. That they are heading and looking for total reinstatement. But that was in the beginning of XXXX. And I didn't call my mortgage company ( Quicken loans ) until I depleted all my income saving stocks and bonds on paying the bills. As I told them. I also before talking to them looked into the help I could possibly get due to my unique situation. And I was looking at the criteria of a forebearance. As I investigated it more it show the XXXX XXXX ( the holder of my loan ) encourages infact asks for the service to seek out the forbearance for the owner to help keep them in the house and help them get back on their feet. When I contacted them in XXXX I wasn't behind on payment but I was about to be. When I talk to them I asked specifically for the forbearance so that I could keep up with my bills. Mind you at this time I was barely keeping up with my day to day payments. As the month dragged on I asked if the forbearance modification was good. By the time they got the modification done it was the end of XXXX and they said that I have to pay XXXX  dollar to get current for the forbearance to be a go. So I sent them a money order that my family helped me with. And then they said the got a short term forbearance agreement for me and a XXXX dollar a month payment that I said that I couldn't even make that payment. But that was what they could do. And I am a hard working guy that has been trying to find work. But last year the flooding effected my profession up here because I XXXX  XXXX  and the army core of engineers shut the locks down to mitigate the flooding down south. I got temporary work in XXXX then got released because of the lack of work. And during the fall in Minnesota a lot of people get played off. I'm constantly on indeed mn work sites and XXXX 's list and many more sites to find a job but very few are hiring. I am also on the XXXX XXXX out of work list. But as the forbearance went on I made the first payment but couldn't come close to paying the second or third payments. I told them that XXXX dollars might as well be a XXXX. I continued to ask for the no payment forbearance. Then in XXXX I get a letter saying that I didn't make it through the forbearance trial so I owe everything up the that date. Like XXXX . And from XXXX when I first ask them for the forbearance till know I went from a mid 700 credit score and now I'm at a low 400 credit score. I can't get a loan from anywhere because of it. And I can't even pull the equity I have in it out. I don't want to lose my home. My lawsuit is over this month as my services knows. But if we would have done the forbearance from the start I wouldn't be so far in the whole. I hate to say it because I know they don't want to take my house but their is a housing shortage here in my area and they are bought up immediately when they are put on the market. I almost sure they know this. But now I'm so far away from a fighting chance to keep it I don't know my neck step. I don't want to do bankruptcy I want to stay in my home. I love my home. I've applied for government assistance and they won't help because my credit score is so bad. I'm at loss from all this and what I put into my home is for nothing because they wouldn't approve me for a long term forbearance. It ridiculous. Even president Obama past a executive order for the governmental mortgages companies to seek out the long term forbearance to help the owner stay on there feet and in there home. Which then XXXX XXXX and XXXX XXXX puts in their foreclosure possesses guidelines to seek out as a services. In closing this XXXX, I want and love my home and want to stay here. Thanks for reading this and I hope something can happen. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation