Consumer complaint received 2026-02-25 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: TX

Complaint narrative:
Complaint Against Rocket Mortgage Wrongful Foreclosure After Completed Loan Modification Trial I am filing a complaint regarding serious mortgage servicing errors involving Rocket Mortgage. My property is located at XXXX XXXX XXXX, XXXX, TX XXXX. I successfully completed the required trial loan modification payments beginning XX/XX/XXXX and continuing through XX/XX/XXXX. Rocket Mortgage representatives repeatedly told me the permanent modification documents were approved and being drafted and would be mailed in XXXX. I contacted the company monthly requesting the documents and was always told they were still being drafted. When I called to make the XX/XX/XXXX payment, Rocket Mortgage refused the payment and said the loan was already in foreclosure. They also refused the XXXX payment. I was never properly notified that foreclosure proceedings had started or that payments would be rejected. Rocket Mortgage misled me into believing the modification was being finalized while foreclosure activity was taking place. I am requesting that Rocket Mortgage : Honor the approved loan modification Send the permanent modification documents immediately Remove the foreclosure status Accept all payments This situation places my home at risk despite my compliance with the trial payment agreement. I am requesting immediate regulatory review and intervention. FORMAL LEGAL DEMAND WRONGFUL FORECLOSURE / SERVICING ERROR Borrower Property : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Rocket Mortgage Loss Mitigation, Foreclosure Department, and Legal Compliance, This letter serves as a formal legal demand and Notice of Servicing Error under federal mortgage servicing regulations, including 12 CFR 1024 ( RESPA Regulation X ). We successfully completed the required trial loan modification payments beginning XX/XX/XXXX and continued making payments through XXXX, XXXX, and XX/XX/XXXX exactly as required. After completion of the trial period, Rocket Mortgage representatives repeatedly confirmed that our permanent loan modification had been approved and that final documents were being drafted and would be mailed in XX/XX/XXXX. Our XX/XX/XXXX payments were sent via certified mail in the form of money orders. Those money orders were received and negotiated ( cashed ) by Rocket Mortgage. Despite this, our account does not reflect proper application of those funds. You either lost, misapplied, or improperly posted the XX/XX/XXXX payments. As a result, the account has been incorrectly placed into default and foreclosure status. We have complied with all required payments beginning XX/XX/XXXX and completed the trial period. We remain ready, willing, and able to continue making payments. The issue arises from your failure to properly credit funds that were sent, delivered, and negotiated. Under federal mortgage servicing regulations, servicers are required to promptly credit payments as of the date of receipt and maintain accurate account records. Failure to do so constitutes a servicing error. FORMAL DEMAND : Immediately research and trace the negotiated XX/XX/XXXX money orders. Provide written proof of how and where those funds were applied. Correct the account to reflect proper credit of the XX/XX/XXXX payments. Update the account status to current/ paid as agreed. Remove any delinquency, default, or foreclosure status caused by misapplication of funds. Provide a complete, itemized payment history and transaction ledger. If this matter is not corrected immediately, we will pursue regulatory complaints and legal remedies for misapplied funds, wrongful default reporting, and improper foreclosure action. This correspondence constitutes a formal Notice of Error requiring written investigation and response within the timeframe required by federal servicing law. We expect written confirmation of correction within 10 business days. From XXXX forward, we contacted Rocket Mortgage monthly requesting the final modification documents. Each time, we were informed the documents were still being drafted. At no time were we notified that foreclosure proceedings had begun. When we called to make our XX/XX/XXXX payment, Rocket Mortgage refused to accept the payment and stated the loan was already in foreclosure. The XX/XX/XXXX payment was also refused. We were never properly notified by phone or mail that : the loan had been placed into foreclosure payments would no longer be accepted a foreclosure sale date had been scheduled Rocket Mortgages refusal to accept payments after successful completion of the trial modification, combined with failure to provide permanent modification documents, constitutes : Improper dual-tracking of foreclosure during a pending modification Failure to properly evaluate and finalize a completed loss mitigation agreement Refusal to accept valid payments Material servicing error under federal mortgage servicing rules Additionally, Rocket Mortgage repeatedly represented that documentation was pending while foreclosure activity was occurring. We attempted to contact XXXX XXXX multiple times without response. FORMAL DEMAND FOR IMMEDIATE CURE We demand the following actions immediately : Mail and electronically deliver the approved permanent loan modification documents within 5 business days Remove the property from foreclosure status immediately Accept all payments tendered for XXXX and XX/XX/XXXX Provide written confirmation the approved modification remains valid Provide a complete servicing history and foreclosure timeline Failure to correct these violations immediately will result in : Formal CFPB complaint Complaint to Texas Department of Savings and Mortgage Lending Request for foreclosure injunction Legal action for wrongful foreclosure and servicing violations This letter constitutes a Qualified Written Request / Notice of Error under federal law requiring written response within statutory deadlines. We expect written confirmation of corrective action within 3 days. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation