Consumer complaint received 2025-10-31 00:00:00
Product: Mortgage — VA 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: TX

Complaint narrative:
CONTINUATION & amp ; CORRECTION OF PRIOR CFPB CASE This new filing corrects and replaces the factual record from my previous complaint involving Rocket Mortgage. At the time of my first filing, I did not have the full VA servicing transfer information. The information below is accurate and supported by verified documentation from the XXXX Department XXXX XXXX XXXX. 
Please link this complaint to my prior Rocket Mortgage case and treat this statement as the Supplemental Complaint Rocket Mortgage ( XXXX Loan ) Product/Issue : Mortgage Loan servicing / payment issue VA-backed loan Summary Rocket Mortgage is attempting to collect and threaten foreclosure on a VA-backed mortgage it no longer owns XXXX VA ( XXXX XXXX XXXX XXXX the loan on XX/XX/year> and designated XXXX as XXXX new servicer. After that date, XXXX ( XXXX ) executed a modification package with me, ( XXXX ) demanded XXXX payments, ( XXXX ) reported delinquencies, and ( XXXX ) is withholding my escrow surplus. I am a 100 % XXXX veteran and this has caused significant distress ( I contacted the XXXX XXXX XXXX and am returning to therapy ). 
Key Facts ( correcting prior filing ) XXXX 2025 : I completed the required VA XXXX XXXX ( XXXX consecutive payments ). 
XXXX XXXX, 2025 : XXXX instructed me not to make further payments to XXXX pending transfer ; the next servicer would contact me. 
XX/XX/year> : VA paid XXXX {$360000.00} and purchased the loan ( VRAP/Refund ). 
o On XX/XX/year> ( XXXX PM XXXX ) VA representative XXXX ( VRAP ) confirmed : Rocket does not own your loan ; VA paid Rocket on XX/XX/year> and it is only being held for transfer to XXXX. 
o VA case XXXX : XXXX XXXX ( message left ). 
XX/XX/year> : Despite the transfer, XXXX generated a modification packet in XXXX name. 
XX/XX/year> : I signed the modification package presented by XXXX ; it states my first payment due XX/XX/year> ( to XXXX servicer ). 
XX/XX/year> : XXXX sent a credit dispute denial instead of correcting its reporting. 
XX/XX/year> : XXXX sent an XXXX Required / foreclosure is right around the corner letter. 
XX/XX/year> : I sent a XXXX  Notice of XXXX by certified mail to XXXX. 
XXXXXXXX XXXX : XXXX demanded XXXX months of arrears, reported me 30 days late for XXXX ( later removed after my prior CFPB complaint ), and is withholding my escrow surplus ( {$13000.00} ) that is owed due to my Texas property-tax exemption as a 100 % XXXX veteran. 
XXXX XX/XX/year> : A XXXX XXXX XXXX supervisor called and pressed me to pay, despite the VA purchase and executed XXXX with XX/XX/year> first due date. 
Why this is improper Ownership/Servicing : After XX/XX/year>, XXXX had no authority to collect, threaten foreclosure, modify terms in its name, or furnish new late data. 
Dual-tracking / Servicing errors ( RESPA/Reg X ) : Rocket pursued collection/foreclosure activity after modification terms and VA purchase ; failed to correct XXXX after my NOE. 
FCRA : Furnished and/or re-verified inaccurate delinquency information after notice. 
FDCPA / XXXX XXXX XXXX XXXX : XXXX to collect a debt not owed to XXXX, used misleading statements and foreclosure pressure. 
VA XXXX rules ( XXXX ) : Required to suspend default activity and properly transfer/record the VA purchase ; VA XXXX Rockets electronic and hard-copy XXXX do not match and have not been corrected.

Company response to consumer: Closed with explanation