Consumer complaint received 2021-08-11
Company: Rocket Mortgage, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX of XXXX while going through divorce court I found that my wife at the time had put our mortgage into forbearance and so doing not making a mortgage payment for 18 months. I informed Rocket mortgage that I didn't sign any forbearance agreement that my wife had filed without my knowledge. over the last 12 months I have tried to obtain documents from my account on line with rocket mortgage. when I would call them again the first they would ask was I making a payment today. each time I would call I would have to explain the whole story all over. I would ask them to put this information into the computer but it seems that they couldn't or wouldn't. divorce trial was XX/XX/2020 in which my wife was awarded the house. The equity in the house was lost due to the forbearance. divorce decree was for me to quit claim the deed. Her court order was to make the mortgage payments. 
In XXXX I look at the mortgage and it shows she signed another 3 months of forbearance. I talked again with the mortgage company and they had continued to put both of our names on the monthly statements and that they needed my financial statements that I would have to sign a loan modification and be out of forbearance for 3 months before I could come off the loan. Ex took me to court for contempt to sign Quit claim in XXXX. Now I get a 15 or so pages of documents to sign not only a loan modification but a promissory note for the $ XXXX she is behind. We are behind. I refuse. she takes me back to court. Judge sides with me that I shouldn't have to sign for more debt. That was XXXX. Rocket mortgage all this time knowing I'm not signing any documents and never have continues to allow her to e sign my name on many documents all of this time not letting me see these documents. After enough complaining for the first time I'm able to see some documents yesterday 's document said I along with my wife.ex. but says wife have been approved for Trial Loan Modification which means if she pays loan on time they won't foreclose and hurt my credit. As of yesterday a had to esign these documents. I see that the Trial has been approved and of course I didn't sign anything. rocket told me today that since I signed the Quit Claim and they have copy of divorce I won't have to sign the application for the trial modification. so the Divorce judge hasn't any power over mortgage company and I understand that. Now I have most of the documents I've been asking for for a year and yes the signatures are not mine. I can maybe understand why my ex did the things she did but there is no excuse for a major company to treat a customer this way. I have spent hours upon hours trying just to figure out what's going on. Before this I would never thought my wife would tell even a little lie. What I saw was a big letdown. but what rocket did can't be righted. All I wanted was to be off this mortgage. they did this to keep from foreclosing on a house and having to resell it. This could have been over a year ago. Thanks. XXXX XXXX. XXXX.

Company response to consumer: Closed with explanation