Consumer complaint received 2026-01-10 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Date : XX/XX/202XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Fraudulent and Unauthorised Mortgage Activity by Rocket Mortgage * * * * Mortgage Account Number : XXXXXXXX XXXX XXXX To Whom It May Concern, I am submitting this formal complaint regarding * * fraudulent mortgage servicing practices * * by * * Rocket Mortgage , LLC * *, specifically involving an * * unauthorised mortgage payoff payment * * that was applied to my account without my knowledge, consent, or authorisation Summary of the Issue * * Rocket Mortgage recently applied a payment toward the payoff of my mortgage * * without my authorisation * *. I did not initiate, approve, or consent to this transaction in any form. This constitutes a serious breach of mortgage servicing standards, consumer protection laws, and federal regulations governing mortgage servicers. 

I have contacted Rocket Mortgage directly to dispute this unauthorised transaction and request the immediate return of the funds. Despite this, the issue remains unresolved, and unauthorised payments continue to appear on my account. 

Potential ForeclosureRelated Misconduct * * If Rocket Mortgage initiated this unauthorised payoff in connection with any foreclosurerelated activity, I must emphasise that * * Floridas judicial foreclosure requirements were not followed * *, including : - No mailed notice of foreclosure proceedings - No service of summons or complaint - No judicial filing or lis pendens - No courtordered sale - No statutory publication as required under * * XXXX  Statute XXXX * * Any foreclosurerelated action taken without proper notice and judicial procedure violates * * Florida law * *, * * due process rights * *, and federal mortgage servicing regulations. 

# # # * * Violations of Federal Mortgage Servicing Standards * * Rocket Mortgages actions appear to violate multiple federal protections, including : - * * Regulation X ( 12 CFR 1024 ) * * Mortgage Servicing Rules- * * Regulation Z ( 12 CFR 1026 ) * * Truth in Lending Act - * * CFPB Mortgage Servicing Guidelines * * Unauthorized transactions and misapplied payments - * * Consumer Financial Protection Act * * Unfair, deceptive, or abusive acts or practices ( UDAAP ) Applying an unauthorised payoff payment is a clear example of an * * unfair and deceptive practice * * that places the homeowner at risk of financial harm.

# # # * * Impact on Me as the Homeowner * * This unauthorised transaction has caused : - Confusion and disruption to my mortgage account - Potential credit reporting risks - Concerns about improper foreclosure activity - Emotional distress and uncertainty regarding the status of my home # # # * * Requested Action by the CFPB * * I respectfully request that the Consumer Financial Protection Bureau : 1. * * Investigate Rocket Mortgages handling of my mortgage account * * 2. * * Require Rocket Mortgage to reverse the unauthorised payment * * 3. * * Ensure the funds are returned to the source * * 4. * * Confirm that no foreclosurerelated actions were initiated improperly * * 5. * * Ensure Rocket Mortgage complies with all federal and state servicing laws * * 6. * * Prevent any negative credit reporting related to this incident * * I am prepared to provide documentation, correspondence, and any additional information needed to support this complaint.

Thank you for your attention to this serious matter. I look forward to your prompt review and intervention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation