Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
I am submitting this as a supplemental update to my existing complaint regarding my mortgage loan and the servicers handling of my loss mitigation request. Summary of Issue : This loan became delinquent as a direct result of XXXX XXXXrelated coercion and the ongoing refusal of a co-borrower to cooperate with required loan servicing and loss mitigation processes. Despite my immediate and repeated efforts to resolve the situation, I have been structurally blocked from accessing assistance due to the co-borrowers refusal to relinquish his interest in the property or participate in required documentation. Timeline and Key Facts : - The property was purchased in XX/XX/2025, and I am the sole occupant pursuant to a court-issued restraining order against the co-borrower. - Within weeks of purchase, the co-borrower engaged in coercive and threatening behavior, including firearm-related intimidation, tied directly to demands for financial control and forced sale of the property. - The co-borrower was removed from the property and legally barred from returning shortly after purchase. - In XXXX, I proactively contacted the loan servicer and applied for loss mitigation, stating clearly that I could not sustain the loan independently due to these circumstances. - I was informed that assistance could not proceed without the cooperation of the co-borrower, including execution of required documents or relinquishment of his interest. - Since that time, the co-borrower has : - Refused to sign a quitclaim deed or otherwise relinquish his interest - Refused to cooperate with the servicers documentation requirements- Simultaneously demanded financial compensation in excess of his actual contribution as a condition of cooperation - I have repeatedly attempted to resolve this matter, including offering reimbursement of the co-borrowers documented financial contribution. These offers have been rejected. - As a direct result of this obstruction, I have been unable to complete loss mitigation or restructure the loan, and the loan has since become delinquent despite my efforts to maintain payments until my financial resources were exhausted. Nature of Harm : This situation represents a form of financial coercion in which the co-borrower is actively preventing resolution of the loan while demanding payment, resulting in ongoing financial harm and risk of foreclosure. The servicers positionthat no assistance can be provided without co-borrower cooperationhas effectively enabled this obstruction and left me without a viable path to stabilize the loan. Concerns Regarding Servicer Conduct : - Failure to provide a viable loss mitigation pathway in the context of a non-cooperative co-borrower and documented XXXX XXXX - Lack of accommodation or escalation despite clear hardship circumstances reported early ( XXXX ) - Structural denial of assistance based solely on co-borrower non-cooperation, despite the borrower in possession actively seeking resolution Requested Resolution : I am requesting that the servicer : 1. Escalate this matter for review under hardship and XXXX XXXXrelated servicing considerations 2. Provide a viable loss mitigation option that does not require cooperation from the non-occupying, non-cooperative co-borrower 3. Acknowledge and document that the loan delinquency was caused by circumstances outside of my control, specifically co-borrower obstruction and coercive conduct 4. Provide clear written guidance on any available pathways to resolve or modify the loan under these conditions I am also requesting that this complaint be reviewed for broader regulatory concerns regarding how servicers handle loans involving XXXX XXXX and non-cooperative co-borrowers, as the current structure leaves borrowers in my position without meaningful access to assistance. Supporting Documentation Available : I have documentation supporting the above, including : - Court-issued restraining order and related records - Communications with the servicer regarding loss mitigation attempts- Evidence of the co-borrowers refusal to cooperate - Documentation of financial contributions and reimbursement offers I am requesting a formal written response addressing these issues. Unfortunately, this is a structural failure for victims of XXXX XXXX related coercion.

Company response to consumer: Closed with explanation