Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Hello, Summary of Complaint and Request for Relief This complaint concerns separate and distinct misconduct by Rocket Mortgage ( formerly XXXX XXXX ) relating to loan modification practices and badfaith litigation conduct. Although the same company is involved, the issues raised here are materially different from my prior complaint.

Issue 1 : BadFaith Loan Modification Process / Equity Stripping Rocket Mortgage repeatedly instructed me to apply for a loan modification despite knowing the application would be denied, engaging in a prolonged and deceptive backandforth process while continuously changing its reasons for denial. 

The initial denial cited insufficient disposable income. 
I timely appealed and provided additional documented income exceeding the stated requirement, along with an offer of a {$20000.00} down payment. 
After submitting this information, Rocket Mortgage reversed its justification and denied the application on a new and contradictory basis, claiming they could not reduce the payments. 

If payment reduction was never possible, Rocket Mortgage should have disclosed this from the outset instead of inducing repeated applications and appeals. Moreover, common alternativessuch as capitalizing arrears to the end of the loan or accepting a meaningful down payment ( which I affirmatively offered ) were never considered. 
This conduct constitutes badfaith servicing and equitystripping, designed to exhaust the borrower while positioning the property for foreclosure despite substantial equity. 

Issue 2 : BadFaith Litigation Conduct and Misrepresentation to Gain Delay I am currently in court in an adversary proceeding against Rocket Mortgage based on fraudulent accounting and foreclosure figures. The foreclosure is predicated on numbers that are incorrect and disputed.

Approximately five months ago, Rocket Mortgages counsel represented that the company was preparing a settlement package and negotiating in good faith. Based on these representations, I agreed to stipulate to extending their deadline to respond to my First Amended Complaint and my Motion for Preliminary Injunction XXXX XXXX XXXX XXXX XXXX XXXX XXXX counsel again requested an extension, stating the settlement package was still in progress. Relying on these assurances, I agreed once more.

Despite these repeated representations : No settlement package was ever provided No negotiations took place On XXXX XXXX XXXX  Rocket Mortgage instead filed a Motion to Dismiss, opposed my Motion for Preliminary Injunction, and simultaneously set a foreclosure sale date of XXXX XXXX XXXXonly 30 days notice It appears these representations were made solely to obtain delay, allowing the company time to prepare litigation filings while depriving me of meaningful options to protect my property. 

Irreparable Harm and Urgent Request I have over {$600000.00} in equity in this property, resulting from extensive renovations that I undertook in reliance on Rocket Mortgages repeated promises to work with me in good faith. The property is not only my home, but also my place of business. 
Because of Rocket Mortgages actions, I was left with no realistic time to list and sell the property privately. I was forced to list the property on the MLS immediately, held open houses this past weekend, and received strong interesthowever, no buyer can reasonably close within days of a foreclosure auction. 
If the foreclosure proceeds, I will lose : My home My business location Hundreds of thousands of dollars in equity Cash invested into the property This harm is irreparable and entirely avoidable.

Requested Relief At a minimum, I respectfully request that Rocket Mortgage be required to allow sufficient time for a voluntary sale so I may capture my equity and avoid foreclosure. I am not seeking a windfallonly the opportunity to sell my property fairly and prevent unjust enrichment resulting from badfaith conduct. 

Thanks The Homeowner

Company response to consumer: Closed with explanation