Consumer complaint received 2020-03-08
Company: Rocket Mortgage, LLC
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
None of what i was asking to be addressed about the beginning messages of asking the servicer to look into the 12 month forbearance from the beginning was address at all in this responce or the reasoning why they didn't pursue that avenue to save me from going though this whole ordeal in the first place. THE EXACT REASONING OF THE 12 MONTH FORBEARANCE BEING BROUGHT INTO THE PICTURE. If this avenue was given to me the money i did put into paying for my mortgage could have went to current bills other than my mortgage payments at that time. In turn not putting me into the debt that I'm in right now. And that is the just of the complaint in the first place. The President of the United States Of America signed it stating it to be relief for the home owner from being collected on during the 12 month time of hardship. If it was a valid hardship situations uncontrolled by the owner, or down sizing a and or job lose. As I stated to them from the first time of contact in this whole hardship that i was going through in the beginning. I would also like to say not only did i not see any inspector here at the property at any time, but no one ever came into my house of garage to do inspection of any sort during this whole time of the situation. If he did I never knew anything about it and I would hope he couldn't get into my door with out me being here. So those charges are not valid. I would this to do an inspection all those times that he would actually have to inspect the property. And then the final part of the total on the foreclosure. The servicer has {$130000.00} as being owed. ANd then the very end of the last letter it totals to {$140000.00}. Which is the price I paid for the house from the beginning of purchase. And so if I was to pay the all the payment to current that it wouldn't even get a dollar to being taking off my house mortgage just to the back payments. Which in my eyes would be around {$8000.00} dollars to bring it current. Which would bring the payments of my house down to from the {$130000.00} where I started falling behind to {$120000.00} rather than just bringing it back to where i left off. Not only do the just not even justify the fact to not allowing me the forbearance that I clearly would have qualified for. But then they say that I owe them the total of the house from the day I signed the papers to by the home over two years  ago. And nothing is being said about that fact. Nothing at all. who ever decides these or looks over these complaints, can't see these facts thaan what is this complaint platform for. Just so that the homeowner can think that it just might give them a little bit of hope that the servicer will be held accountable or actually make them abide by a Presidential bill he signed in to help aid homeowners to get through a hardship when they most need the help of the servicers at that time to keep the home owner in there home at any cost. And at the very last resort to have to foreclose. I wasn't offered it from the beginning. Where it should have started. And will no payment at all. Because that was the help I needed. Not a slow process of asking for some money they knew I didn't have at the time. And also knowing what my monthly bills looked like from the start of XXXX When I first asked the about the forbearance to help me through this time of hardship. I guess i submit my complaint once again in hope that the initial reasoning why i wasn't qualified for the 12 month forbearance from the start. IN XXXX NOT XXXX. which would have helped out me keep my home from being dropped on me to say it how it actually is being done. Which is the reason of the bill that The President Of The United States Of America signed. and that is what i was asking to be looked into. Not the servicers part of dropping all of this on me. I know those thing all to well. Which is the reason I sumited the complaint in the first place. Who ever looks at this see it with clear eyes, Please I want my home I need my home, I love this place. I've made a group of friends here that i would continue to keep. But allowing them to not abide my something that was put in place to help the owners keep there homes is just allowing it to happen to someone else, anyone else ... or God forbid the one that looks over this complaint. No one is exempt from this treatment of the big business not only securing their investor but making sure that the home owner is stuck with the whole bill in the end. Its almost like a bet by the investor that they know that the servicer holds all the cards. And knows how to make it so homeowners lose and the investors really never have to pay a dime on any of it. I'm just stating it the way it looks like to me. Thank you and I hope this get a fair and honest eye looked upon it.

Company response to consumer: Closed with explanation