Consumer complaint received 2026-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
MORTGAGE ACCOUNT DISPUTE LETTER AND ADUITQUALIFIED WRITTEN REQUEST UNDER RESPA AND FDCPA DISPUTE Date : XXXXDelivery Method : Certified Mail with Return Receipt Requested TO : XXXX XXXX ( formerly XXXX XXXX, XXXX )/ Mortgage RocketXXXX XXXX XXXXXXXX XXXX, Texas XXXX FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXXACCOUNT IDENTIFICATION AND DOCUMENT PURPOSE Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Borrower Name : XXXX XXXX Current Account Balance : {$86000.00} This correspondence constitutes both a Qualified Written Request under the Real Estate Settlement Procedures Act, 12 U.S.C. 2601 et seq., and its implementing regulation, 12 C.F.R. Part 1024, and a formal dispute under the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. This letter is being sent to your designated address for qualified written requestsand disputes as required by federal law. II.LEGAL BASIS AND AUTHORITY This request is made pursuant to my rights under : 1.Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605, which requiresmortgage servicers to respond to qualified written requests regarding borrower accounts andto investigate and resolve errors in mortgage servicing ; Page 2 2. RESPA Regulation X, 12 C.F.R. 1024.35 and 1024.36, which establish specific procedures for error resolution and information requests ; 3. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., which provides consumers the right to dispute debts and requires debt collectors to cease collection activities during dispute resolution ; 4. Truth in Lending Act, 15 U.S.C. 1601 et seq., regarding accurate disclosure of loan terms and payment application. Under these federal statutes, you are required to acknowledge receipt of this request within five ( 5 ) business days and provide a substantive response within thirty ( 30 ) business days of receipt. III. STATEMENT OF ERRORS AND BASIS FOR DISPUTE I hereby formally dispute the accuracy and validity of charges, fees, and payment applications on the above-referenced mortgage account. I have reason to believe that errors exist in my account based on the following circumstances : Background Information This mortgage loan originated in XXXX with an original loan amount of {$120000.00}. After twenty-eight ( 28 ) years of payments, the current balance of {$86000.00} appears inconsistent with normal amortization schedules. The account has been subject to improper servicing practices, including but not limited to : 1. Involvement in a bankruptcy proceeding filed by my ex-wife, despite the property being awarded to me by court order ; 2. Failure to provide proper notice during bankruptcy proceedings ; 3. Suspension of payment processing and account discussions during bankruptcy without proper legal basis ; 4. Improper application of mortgage assistance funds exceeding {$12000.00} ; 5. Assessment of unauthorized legal fees related to dismissed bankruptcy proceedings ; 6. Accumulation of unexplained corporate advance charges. Specific Disputed Items A. Corporate Advances- {$5100.00} I dispute the validity, accuracy, and legal basis for corporate advance charges totaling {$5100.00}. I have no knowledge of authorizing these advances, receiving services corresponding to these charges, or being provided with proper notice and documentation of these fees as required by federal law. B. Legal Fees - {$3300.00} Page 3 I dispute the assessment of legal fees in the amount of {$3300.00} related to bankruptcy proceedings. The bankruptcy case was dismissed as moot by the court, as evidenced by the court communication from XXXX XXXX, Courtroom Deputy Clerk for Judge XXXX XXXX XXXX, stating that Counsel for XXXX XXXX, XXXX Known as XXXX XXXX, has withdrawn its Motion for Relief from Stay and Motion for Relief from the Co-Debtor Stay and the motion is now moot. No legal action should have been necessary, and these fees were improperly assessed. C. Payment Application Errors- Entire Loan History ( XXXX ) I dispute the proper application of payments throughout the life of this loan, including but not limited to mortgage assistance funds exceeding {$12000.00} that were applied to my account. Over {$6000.00} of these funds have no explanation regarding their application. Additionally, regular monthly payments may have been improperly applied, resulting in an artificially inflated account balance. IV. INFORMATION AND DOCUMENTATION REQUESTS Pursuant to 12 C.F.R. 1024.36, I hereby request that you provide the following information and documentation within thirty ( 30 ) days : A. Complete Loan File Documentation 1. Original loan documents and all modifications, amendments, or changes to loan terms ; 2. Complete payment history from loan origination ( XXXX ) to present, showing : Date of each payment received Amount of each payment Application of each payment to principal, interest, escrow, fees, and other charges Running balance after each payment application 3. All correspondence, notes, and communications in the loan file ; 4. Documentation of any transfers or assignments of the loan ; 5. All insurance and property tax records maintained in connection with the loan. B. Corporate Advances Documentation 1. Detailed breakdown of all corporate advance charges totaling {$5100.00}, including : Date each advance was made Specific purpose and description of each advance Legal authority for making each advance Documentation supporting the necessity of each advance Invoices, receipts, or other supporting documentation for services rendered Page 4 2. Notice provided to borrower regarding each corporate advance as required by law ; 3. Borrower authorization or consent for each corporate advance. C. Legal Fee Documentation 1. Complete documentation supporting the {$3300.00} legal fee assessment ; 2. Invoices from attorneys or law firms for services rendered ; 3. Court filings and documentation related to bankruptcy case XXXX ; 4. Documentation showing legal necessity for the services billed ; 5. Notice provided to borrower regarding legal fee assessment. D. Mortgage Assistance Funds Documentation 1. Complete records of mortgage assistance funds exceeding {$12000.00} applied to the account ; 2. Documentation showing how these funds were applied to principal, interest, fees, or other charges ; 3. Correspondence with government agencies or other entities providing assistance ; 4. Borrower notifications regarding receipt and application of assistance funds. V. CESSATION OF COLLECTION ACTIVITIES Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, I hereby request that you immediately cease all collection activities related to the disputed amounts until this dispute is fully investigated and resolved. This includes, but is not limited to : 1. Reporting negative information to credit reporting agencies ; 2. Initiating or continuing foreclosure proceedings ; 3. Assessing additional late fees, penalties, or charges ; 4. Making collection calls or sending collection letters ; 5. Pursuing any legal action related to the disputed amounts. Your failure to cease collection activities during the dispute period may constitute a violation of federal law. VI. RESPONSE REQUIREMENTS AND TIMELINE Under 12 C.F.R. 1024.35, you are required to : A. Acknowledgment ( 5 Business Days ) Provide written acknowledgment of receipt of this qualified written request within five ( 5 ) business days, including : Page 5 1. Date of receipt of this request ; 2. Statement that you are treating this as a qualified written request under RESPA ; 3. Contact information for further communications regarding this matter. B. Substantive Response ( 30 Business Days ) Provide a complete written response within thirty ( 30 ) business days, including : 1. Results of your investigation into each disputed item ; 2. Correction of any errors identified during your investigation ; 3. Provision of all requested documentation ; 4. Written explanation if you determine no error exists, including specific reasons for your determination ; 5. Contact information for further inquiries or appeals. VII. REQUESTED REMEDIES AND ACCOUNT CORRECTIONS If your investigation reveals errors in my account, I request the following remedies : A. Account Corrections 1. XXXX the balance on past due amounts as requested, reflecting proper payment application and removal of improper charges ; 2. Correction of payment history to accurately reflect all payments made since loan origination ; 3. Removal of all improperly assessed corporate advances totaling {$5100.00} ; 4. Removal of improper legal fees totaling {$3300.00} ; 5. Proper application of mortgage assistance funds with detailed accounting. B. Financial Remedies 1. Refund of all improperly collected fees, charges, and payments with interest as provided by law ; 2. Reversal of any capitalized amounts that were improperly added to the loan balance ; 3. Adjustment of loan balance to reflect accurate payment history and proper fee assessment. C. Credit Reporting Corrections 1. Correction of all inaccurate information reported to credit reporting agencies ; 2. Submission of corrected information to all credit reporting agencies that received inaccurate reports ; Page 6 3. Provision of written confirmation of credit reporting corrections. VIII. LEGAL CONSEQUENCES AND BORROWER RIGHTS A. Servicer Obligations Under RESPA, 12 U.S.C. 2605, mortgage servicers have specific legal obligations to : 1. Acknowledge and respond to qualified written requests within required timeframes ; 2. Conduct reasonable investigations of alleged errors ; 3. Correct errors and provide appropriate remedies ; 4. Maintain accurate records and provide requested documentation. B. Violations and Enforcement Failure to comply with RESPA requirements may result in : 1. Individual liability for actual damages, including costs and attorney fees ; 2. Additional damages up to {$2000.00} for pattern or practice of noncompliance ; 3. Regulatory enforcement action by the Consumer Financial Protection Bureau ; 4. State regulatory action by the Georgia Attorney Generals Consumer Protection Division. C. Borrower Rights I reserve all rights under federal and state law, including but not limited to : 1. Filing complaints with the Consumer Financial Protection Bureau ; 2. Filing complaints with the Georgia Attorney Generals Consumer Protection Division ; 3. Pursuing legal action for violations of RESPA, FDCPA, and other applicable laws ; 4. Seeking damages, attorney fees, and other relief as provided by law. IX. RECORD KEEPING AND COMMUNICATION This letter and all related communications should be maintained in my loan file as required by federal regulations. All future communications regarding this matter should be directed to my address listed above. I request that you provide a direct contact person and phone number for follow-up communications regarding this dispute. I expect your full cooperation in resolving these matters promptly and in accordance with federal law. Your timely and complete response will help avoid the need for regulatory complaints or legal action. Page 7 Borrower Signature : XXXX XXXX Date : XX/XX/XXXX Certificate of Service : I hereby certify that a true and correct copy of the foregoing Mortgage Account Dispute Letter was sent via certified mail, return receipt requested, to the above-named servicer at their designated address for qualified written requests on this XXXX day of XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation