Consumer complaint received 2018-08-16
Company: Rocket Mortgage, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Initial offer loan closing contained figuires that was not pointed out at closing and not noticed until the recent amortizstion sent to us through a response from XXXX through a complaint through CFPB. So, I beg that my case against us in XX/XX/XXXX for the initial closing issues that were dismissed due to XXXX and Quicken not clearing up the untruth of the loan and its misrepresentation of property description and values of assets at the XX/XX/XXXX hearing. I did agree to have Quicken Loans to send an attorney of their choosing and I said that we had our own homeowners insurance company. What I did not notice, or was not aware of st signing or pointed out to because of a very thick bounded contract loan ; asking to check on the property description, the attorney assured me that the two lots were not included, which apparently still was used to fraudulently keep us in litigation for over eight years. Quicken and all XXXX demanded, even with our property description recorded with the correct lots involved, were able to destroy us by demanding to court by a cover sheet on foreclosure papers that two adjacent lots were included on the loan. We had told XXXX XXXX, still an employee with Quicken, appraisal showed the other lots 7 and 8 that we had already told XXXX XXXX that we would not do the loan if they were going to include lots 7 and 8.  The closing attorney assured us that the lots were not included. So, attorney XXXX  XXXX mediation meeting XXXX showed a place on a page very hidden at the top of a center page that Attorney XXXX was sent to us to point out that the two lots were added on some description line hidden and apparently their attorney was not made aware of ; and the attorney did not recognize that Quicken had put our house on the lots as assets of over {$200000.00} and another property that we had on XXXX XXXX XXXX SC as the vacant acre as being over {$200000.00} as assets that was both ridiculously over their value especially the vacant lot. Apparently the fraudent figures were done to give us a loan that we apparently should not have even able to acquire this loan if the correct appraisal figuires and land values were not changed and manipulated and fixed to cover the extra lots if anything came up for the loan to be in Quickens favor figuring no one ( as it worked for eight years ) to not look at the contract to see that the assets and liabilities were manipulated with fraudulent amounts to make it look like we should have been able to afford the loan. Then the next matter is that Quicken, after complaining through CFPB has an employee to be honest after my attorney has fought with just trying to get the simple truth that lots 7 and 8 were not in the loan that XXXX demanded was on the loan on the XX/XX/XXXX foreclosure papers, all we needed was Quicken to correct the error, which should have taken a week at the most, instead also Quicken withheld the evidence and knowledge at the XX/XX/XXXX mediation meeting saying their representative couldnt make it, but there are conference calls and knowledge should have already been documented to be ready for the meeting and handled by a legal partner or at least in the next following weeks, to clear up the wrong doing. Instead it takes eight years to have someone with Quicken to tell the truth about the property. Now that the initial judge was not told the truth at the first hearing that the contract was not handled or filled out correctly but XXXX won that, by Quicken not admitting the truth when we needed it, not given an answer by XXXX of a payoff amount to SC Help to help us keep our loan, we have been sent through eight years of stress and all was because of shady procedures and we still after the truth is in writing, we cant get a house without a lender letter or an apartment which cost twice as much as a home would cost us through SC HELP. But our escrow on the amortization for property taxes per XXXX, I keep everything, so at least 4 property taxes, were listed as being paid by XXXX on the amortization that is a part of suing us for money that had taxes that are fraudently written down for taxes that we paid and have the stamped paid receipts of paying after the dates that XXXX made up that they paid those taxes. Also, XXXX had our loan and PMI and Homeowners and property taxes being taken out, but XXXX XXXX sent us a letter that the homeowners insurance had lapsed and I also have the check stub of the XXXX. Dollars we had to pitch out. So, being that there are found errors of amounts we have evidence of that has been added to a ridiculous amount of money that we are suppose to owe, our entire amortization of our loan has to be redone and shown proof of all fees and accountability of all charges, which means late charges would change due to errors and I would like to have our credit report foreclosure expunged of the XXXX XXXX XXXX short sale. Because of Quicken not clearing the matter up and being in litigation and being told to get ready to move because you are going to lose your home based on lies and non conforming to the governments buyout saving peoples homes. XX/XX/XXXX, agreement to help people save their homes, low pay and XXXX XXXX equaled no pay is due to our credit issues, husbands bills, high interest rates due to the withholding of critical evidence not once when legally asked, but twice legally specifically askef to answer the simple question of the two lots that XXXX was alleging that they owned ; and all judgements should be covered since this tied up our only assets of the land that had no loan, that could have been sold and our other land on XXXX since the mediation meeting upset us of XXXX in XX/XX/XXXX, told us they would unclaim the land, give us a XXXX dollars and take our house, had my husband not to be able to work and we had to lose an acre of land due to our credit report. Otherwise, we could have gotten money to tie us over until he was able to go back to work. We just want to have our home, have our credit restored by paying off the short sale in the judgement when my husband had XXXX, waiting on XXXX  to work and then XXXX and then back to XXXX and XXXX  didnt work so an ablation has worked so far. Now I have XXXX and not to be stressed. XXXX will have update soon before court in XX/XX/XXXX. 8 and 1/2 years of non called for stress and financial and physical, mental ; and time to not live normal and enjoy grand kids. You dont get those years back. One hospital bill XXXX. Sure we outway what a decent mortgage payment would and should have been with bad credit interest rate and medical bills and having to redo an entire room of black mold and had to rent until that was fixed. One car transmission went out. Etc.

Company response to consumer: Closed with explanation