Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — VA 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: CA

Complaint narrative:
I am in a XXXX XXXX XXXX Case No. XXXX. During the XXXX. My XXXX Rocket Mortgage made several claims of my owing them charges and applied for them in their claims. I paid these as they came. I did fall behind in XXXX XXXX because of XXXX XXXX, XXXX non-payments & employer shortage on payments. I fell behind in XXXX XXXX. Rocket Mortgage filed a XXXX XXXX XXXXXXXX from Stay on XXXX XXXX, XXXX alleging that I am 3 months behind. My Attorney said that Rocket would probably be amenable to me paying extra money per month and make all other payments timely. I agreed and made payments when requested. On XX/XX/XXXX, Rocket sent me sent me a history of payments ledger alleging that I am still past due for XXXX XXXX. I reviewed Rocket 's ledger and saw that Rocket applied my XX/XX/XXXX, which was meant to cover XX/XX/XXXX, to XX/XX/XXXX and ran me late from that point on. There was a time in XX/XX/XXXX when I made a payment that Rocket told me that I was a month ahead, I have that screenshot from my online account showing my XX/XX/XXXX payment was for XX/XX/XXXX. Rocket requested several different payments from me which I made since XX/XX/XXXX. XXXX XXXX, XXXX I made a {$2600.00} payment, applied to XXXX XXXX, XXXX ; XXXX. XXXX, XXXX I made a {$2600.00} payment applied to XXXX XXXX, XXXX ; XXXX. XXXX, XXXX I made a {$1500.00} which Rocket was balance for XX/XX/XXXX. XX/XX/XXXX I made a {$2600.00} payment, which brought me current. Because Rocket ran me late since XX/XX/XXXX by their " misapplication '' I can't tell anymore. I know I missed XXXX & XX/XX/XXXX because of XXXX XXXX on XX/XX/XXXX, and fog of missing part of my paycheck and XXXX not paying me fully- but I was still one month ahead at that time- so I would have been one month behind. Rocket never reconciled this. I have all the documents, statements from Rocket letting me know how to approach a foreclosure, their ledger. I still can't get an answer from Rocket to my email of XX/XX/XXXX asking them to reconcile my questions, since each time I made a payment by telephone to Rocket, the person I talked to gave me a running balance until I thought I was caught up. Then Rocket sent my attorney another email telling me that I was till behind and that I may have to make extra payments $ XXXX {$1000.00} a month extra with my mortgage payment. This cause me so much distress. I knew I was not able to make an extra {$1000.00} payment - I felt so distressed that I was going to lose my house. I am XXXX XXXX XXXX, still fully employed and I was crying daily at the thought of losing my home I have been making payments on since XXXX. I felt I was going to have to give my pets away, no sleep. Heartbroken. So I sent XXXX XXXX ( Rocket 's attorney ) an email asking him to explain XXXX 's spreadsheet and determine if his miscalculations have contributed towards me having to pay more money on my bankruptcy claim. I also asked him to specify which " number '' mortgage payments was missing ( there are XXXX or XXXX payments on a XXXX VA Loan , each payment coupon has a number ), so I can cross-reference with my bank records. He did not answer me. I have my bank records showing my mortgage payments to Rocket, I have my payment history with Rocket. I just want Rocket to reconcile what took place. I am caught up. I will stay caught up. I am concerned that Rocket 's misapplications may have harmed me by getting more money from me and they tried to foreclose on my home. I am a senior and I have the intelligence to question- if Rocket is doing this to other seniors, they may not be able to answer questions or pay a lawyer to help them. I have all the documentation that I have been writing about.

Company response to consumer: Closed with explanation