Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Date : XX/XX/year> Re : Third Qualified Written Request & Final Demand Full Refund of Force-Placed Insurance Charge Borrower Name : XXXX XXXX Dear Rocket Mortgage XXXX XXXX XXXX Department , I am writing in response to your most recent correspondence dated XX/XX/year>, received via the XXXX portal. Your response is once again insufficient, and this dispute remains completely unresolved. PATTERN OF NON-RESPONSE Rocket Mortgage has now responded to this dispute three times. In every single response, you have addressed only one issue that pre-placement notices were sent. Not once in three responses have you addressed the central and only remaining issue : whether the amount charged is bona fide and reasonable as required under RESPA 12 C.F.R. 1024.37. This pattern of deliberately avoiding the core dispute is itself a RESPA servicing violation. A servicer can not satisfy its obligation to respond to a Notice of Error by repeatedly addressing a peripheral issue while completely ignoring the substance of the complaint. INCONSISTENT DOCUMENTATION I also note that your documentation has been inconsistent across responses. Your previous response referenced 8 Insurance Letters. Your most recent response references 9 Insurance Letters. This inconsistency raises serious questions about the reliability and completeness of your records, particularly given that this charge originated under my previous servicer XXXX XXXX prior to the servicing transfer. FDCPA NOTICE Your most recent correspondence explicitly states : " Rocket Mortgage LLC is a debt collector. '' By identifying yourself as a debt collector under the Fair Debt Collection Practices Act ( FDCPA ), you are now subject to its provisions. Continuing to attempt collection of a disputed amount that has never been justified constitutes a potential FDCPA violation. I have noted this and will be filing a complaint with the Federal Trade Commission ( FTC ) accordingly. FULL REFUND DEMAND I am formally demanding a full refund of the entire force-placed insurance charge totaling approximately {$720.00}, including : 1. The {$460.00} remaining balance currently being collected 2. All amounts already absorbed into my escrow payments without clear disclosure This demand is based on the following : 1. UNREASONABLE RATE : {$720.00} for XXXX days implies an annualized premium exceeding {$13000.00} far beyond any bona fide and reasonable market rate for Florida homeowner 's insurance. Three responses and you have never once justified this figure. 2. FAILURE TO INVESTIGATE : Your RESPA Response to Notice of Error states your investigation documents were a Prior Response Letter, Insurance Letters, and Transaction History. None of these documents address or justify the rate charged. Your investigation was incomplete on its face. 3. UNDISCLOSED ESCROW ABSORPTION : Amounts were rolled into my escrow payments without clear itemized disclosure that they represented force-placed insurance charges, depriving me of the opportunity to dispute them in a timely manner. 4. INCONSISTENT RECORDS : Your documentation changed between responses with no explanation, raising questions about record integrity during the XXXX XXXX servicing transfer. REGULATORY NOTICE Please be advised that complaints regarding this matter are currently active and pending with : - Consumer Financial Protection Bureau ( CFPB ) - Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Commissioner - XXXX XXXX XXXX ( XXXX ) - Federal Trade Commission ( FTC ) FDCPA violation I am requesting a full written response addressing specifically and only the reasonableness of the rate charged within 15 business days. Any response that fails to directly address the rate will be treated as a continued failure to investigate and will be reported as such to all regulatory agencies listed above. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation