Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Conventional home 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: DE

Complaint narrative:
I am filing this complaint against Rocket Mortgage , LLC for multiple serious violations of the Real Estate Settlement Procedures Act ( RESPA ), improper force-placed insurance on a property with no standing structure, an undocumented corporate advance balance included in a foreclosure cure amount, and failure to respond to a Qualified Written Request while a foreclosure deadline is imminent.1. FAILURE TO ACKNOWLEDGE QUALIFIED WRITTEN REQUEST DOCUMENTED RESPA VIOLATION On XXXX XXXX, XXXX, I sent a comprehensive Qualified Written Request ( QWR ) to Rocket Mortgage via XXXX XXXX Mail with Return Receipt Requested. The QWR was delivered on XX/XX/XXXX and signed for by a Rocket Mortgage employee. Under 12 U.S.C. 2605 ( e ) ( 1 ) ( A ), Rocket Mortgage was required to provide written acknowledgment of receipt within XXXX business days by XX/XX/XXXX. As of XX/XX/XXXX, XXXX business days after delivery, no acknowledgment of any kind has been received. This is a documented RESPA violation. The XXXX substantive response deadline runs to XXXX XXXX, 2026. XXXX. FORECLOSURE INCORPORATING DISPUTED AND IMPROPER CHARGES Rocket Mortgage issued a Notice of Intent to Foreclose with a cure deadline of XXXX XXXX, 2026. The total cure amount includes a Corporate Advance Balance of {$4400.00} that I have disputed in my XXXX. I have no record of receiving any advance of funds from Rocket Mortgage or any prior servicer, and no prior written notice of any disbursement was provided as required by the loan documents. Rocket Mortgage has not produced any documentation establishing the legitimacy of this charge despite my formal demand. Including an undocumented and disputed charge in a foreclosure cure amount while simultaneously failing to respond to a XXXX is improper under XXXX. I have tendered a cure payment of {$13000.00} representing legitimate undisputed arrears only, under protest and with full reservation of rights. 3. IMPROPER FORCE-PLACED INSURANCE ON A PROPERTY WITH NO STANDING STRUCTURE Rocket Mortgage 's own borrower portal shows a force-placed XXXX XXXX XXXX XXXX policy with an annual premium of {$1100.00} providing coverage on the subject property. This is improper and unlawful for the following documented reasons : The subject property has contained no standing structure since a fire in XXXX 2020. There is no dwelling, structure, or improvement that constitutes insurable collateral. County assessment records confirm XXXX improvement value on the property for multiple consecutive tax years. My monthly mortgage payment is a XXXX payment that already includes an escrow component for hazard insurance. The force-placed XXXX policy constitutes double-charging for insurance on a nonexistent structure. Placement of force-placed insurance under these circumstances violates 12 C.F.R. 1024.37. I raised this issue in my QWR dated XXXX XXXX, 2026. No response has been received. I have deducted the full annual force-placed insurance premium from my cure payment on the basis that this charge is improper and that my XXXX payment already funds an insurance escrow component. 4. UNENFORCEABLE NON-INTEREST BEARING PRINCIPAL BALANCE Rocket Mortgage 's payoff statement includes a Non-Interest Bearing Principal Balance described as a balance being collected on behalf of another party. No executed modification agreement, signed promissory note, allonge, or other written instrument has ever been provided to me memorializing this obligation. A verbal-only modification is unenforceable. I have demanded production of the executed instrument creating this balance. No response has been received. This balance should not appear in any payoff or reinstatement calculation absent production of a signed written instrument. 5. SERVICING TRANSFER WITHOUT PROPER XXXX NOTICE I was not provided proper advance written notice of the transfer of servicing rights to Rocket Mortgage as required under 12 U.S.C. 2605 ( b ) - ( c ). Following the transfer, my payment history was not accurately carried over from the prior servicer, resulting in a default designation that does not accurately reflect my actual payment history. A payment of {$17000.00} made to the prior sub-servicer in XX/XX/XXXX2025 has never been fully and transparently accounted for in the payment history provided by Rocket Mortgage. 6. PAYMENT AMOUNT DISCREPANCY Rocket Mortgage 's borrower portal reflects a monthly payment amount that is significantly lower than my contractual monthly XXXX payment. This discrepancy has never been explained or documented. The complete payment history, escrow analysis, and contractual payment breakdown demanded in my XXXX have not been provided. 7. Corporate Advance Balance : A XXXX Corporate Advance Balance has been disputed for approximately two years. Prior services also refused to provide documentation of this charge despite repeated requests. The charge is believed to be related to various unauthorized contractor entries on the occupied property in XXXX, XXXX, XXXX, and now again in XXXX in which the XXXX, who identified the mortgage servicer as the authorizing parties to both Maryland XXXX XXXX and the XXXX XXXX XXXX 's deputies, removed and destroyed property from the premises. The servicer has refused to produce any accounting for this charge for XXXX years despite repeated demands, and is now including this undocumented charge in a foreclosure cure amount.

Company response to consumer: Closed with explanation