Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
CRITICAL COMPLAINT UPDATE - Existing CFPB Complaint ID:XXXX I am submitting this new update because Rocket Mortgage has fundamentally altered my account ledger since my initial filing. The attachments included here provide the definitive math proof that Rocket is still committing a severe escrow tracking failure, systemic billing errors, and the unauthorized withholding of overpaid funds resulting from an escrow dispute that has been ongoing for over 10 weeks.While the servicer recently acknowledged a major factual error and adjusted my future annual tax projection down from an inflated {$18000.00} to my actual certified rate of {$16000.00} ( evidenced in their new Escrow Analysis Statement dated XX/XX/year> ), they have committed three severe systemic violations in their handling of the correction : 1. Unauthorized Hijacking and Misapplication of Funds ( The Refund Error ) I paid inflated monthly payments on XX/XX/XXXX and XX/XX/XXXX under protest while waiting for the bank to correct their tax math. Rather than issuing a direct cash refund for these overpayments, Rocket Mortgage executed a highly irregular transaction on XX/XX/year>. They performed a " Misapplication Reversal '' on my past payment history and applied a sudden, negative {$2700.00} " Escrow Adjustment '' to force my online escrow balance to {$0.00}. The servicer used this accounting maneuver to swallow my liquidity and automatically apply my XXXX and XXXX overpayments toward an escrow shortage caused solely by their own 10-week administrative delay. This is evidenced by my total calculated shortage dropping from {$5700.00} on my XXXX statement to {$4500.00} on my XXXX statement. I am a fully compliant, current borrower. I do not consent to Rocket Mortgage permanently withholding my overpaid cash to offset an escrow deficit created by their own negligence. 2. Inaccurate XX/XX/XXXX Billing ( The Timing Overage ) The servicer finalized their corrected Escrow Analysis on XX/XX/year>, which mathematically proves my total monthly mortgage payment should drop to {$3100.00}. However, because they delayed making this correction, they set the effective date out to XX/XX/year>. Consequently, my current XX/XX/XXXX statement demands an inaccurate payment of {$3400.00}, which forces me to overpay by an additional {$260.00} for the month of XXXX. The bank is actively billing me using numbers they have formally acknowledged are obsolete. 3. Direct Denial of the 36-Month Shortage Repayment Timeline In my formal RESPA Notice of Error sent via Certified Mail, I explicitly requested that the remaining actual shortage be spread across a 36-month repayment period to mitigate the financial hardship caused by the bank 's processing delays. The servicer completely ignored this request and generated the XX/XX/XXXX analysis on a standard 12-month timeline, cramming an extra {$370.00} charge into my upcoming monthly installments.

Company response to consumer: Closed with explanation