Consumer complaint received 2026-05-05 00:00:00
Product: Mortgage — FHA 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: GA

Complaint narrative:
Loan Number : XXXX Borrowers : XXXX XXXX XXXX and XXXX XXXX XXXX Property : XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Loan Type : FHA-insured mortgage Servicer : Rocket Mortgage We are FHA borrowers in XXXX XXXX status, currently on a Standard Forbearance Plan with XXXX payments scheduled ( Payment XXXX due XX/XX/year>, Payment XXXX due XX/XX/year>, Payment XXXX due XX/XX/year> ). We have approximately {$29000.00} in arrears from approximately XXXX missed monthly payments. We have applied for a loan modification multiple times and have been denied each time. Our denials have not been accompanied by clear, specific written reasons, and we have not been adequately evaluated for the full FHA standard loss mitigation waterfall reinstated under FHA Mortgagee Letter XXXX, including the Standalone Partial Claim, FHA Loan Modification , and FHA-HAMP Combination Loan Modification and Partial Claim. In addition, our most recent monthly mortgage statement dated XX/XX/year> inaccurately reflects Payment XXXX of the Standard Forbearance Plan as Paid with a payment date of XXXX. We have not made any forbearance payment, and XX/XX/year> has not yet occurred as of the date of this complaint. We have raised this as a Notice of Error under 12 CFR 1024.35 in parallel with this complaint, but we are flagging it here as well because of the risk that this inaccurate Paid status may have affected internal records, foreclosure filings, or loss mitigation evaluations. Our hardship was caused by ( XXXX ) my wife XXXX loss of employment, and ( XXXX ) medical issues during the same period. Both events together caused us to fall behind on the mortgage. That hardship is now fully resolved. In XX/XX/year>, my wife started her own business, XXXX XXXX, and is generating consistent monthly self-employment income. Our current total gross household income is {$10000.00} per month and is stable. We intend to make all XXXX of the Standard Forbearance Plan payments ( XX/XX/year>, XX/XX/year>, and XX/XX/year> ) on time. We are formally requesting that Rocket Mortgage : XXXX. Correct the inaccurate Paid status reflected on the XX/XX/year> statement and confirm in writing that no forbearance payment has been recorded as of todays date, and that no internal record, credit report, foreclosure filing, or loss mitigation evaluation has relied on that inaccurate status. XXXX. Provide a written explanation of the specific reason ( s ) for each prior modification denial. XXXX. Re-evaluate us under the FHA standard loss mitigation home retention waterfall, with priority given to a Standalone Partial Claim, since our current income now supports the original monthly payment and the {$29000.00} in arrears is the only barrier to reinstatement. XXXX. Confirm in writing every loss mitigation option we have been evaluated for, and confirm the investor/note holder. XXXX. Cease any further foreclosure-related activity while a complete loss mitigation application is pending, as required by 12 CFR 1024.41. XXXX. Honor our right to appeal any modification denial under 12 CFR 1024.41 ( h ), with the appeal reviewed by personnel not involved in the original denial decision. We have, in parallel with this complaint, mailed a formal Notice of Error and Request for Information under 12 CFR 1024.35 and 1024.36 to Rocket Mortgage at XXXX XXXX XXXX, XXXX, TX XXXX, and we are submitting a renewed loss mitigation application with an updated hardship letter and current income documentation. We are FHA borrowers, the hardship is resolved, our income is stable and documented, and we are committed to keeping our home. We are asking Rocket Mortgage to work with us under the FHA loss mitigation program as it was designed, rather than continuing to foreclosure.

Company response to consumer: Closed with explanation