Consumer complaint received 2025-12-18 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:
I am looking at a loan modification for the second time in approximately a year, year and a half, currently 3 months behind. I had funds at the comptrollers office unclaimed, $ XXXX. I am a unemployed XXXX Vet, I recently lost everything because the VA took too long to operate, those delays resulted in two more injuries, and waiting another 198 months and inoperable, took too long. Anyway, so while discussing my options I was contacted by a VP for Rocket Mortgage over the modification, or so I thought. He knew too much about the inner workings and what I was dealing with. I made him send something in writing for the modification before I paid anything. Last modification Rocket made me go through a hardship period of 3 months, the whole time telling me there would be a baloon payment at the end, I make it through hardship and I finally get to see the modification ( no baloon payment ), so I question the contract and ask for a couple sections to be reviewed with me, they refuse, the VP tells me it wont change so whats the point, I protest and refuse to sign since they never sent the HUD or whatever they call it these days and I didnt get any chance to review it, they finally force my hand and give me one day. I sign it and overnight. My loan went from 15 years remaining at {$1300.00}, to 40 years and {$1200.00}, and they want to do it again. But meanwhile I get the money the state in the nick of time, and I should have caught this, but what he told me was since I was in modification my bank was no longer linked to the portal and it is already been packed and moved to another rocket location, but he can send me an email with a 30 minute time limit, I take it to the business center at XXXX, make the payment, and send him the reciept, did it twice, once for {$1200.00} and again for {$1000.00}. I noticed after making the second payment, he had Rocket Mortgage on one email and XXXX XXXX  on the other, who my loan was originially with. He wouldnt answer the phone, I emailed him, then I snapped and called Rocket. While talking to Rocket I remembered the attempted scam over a year prior, and remembered being in a car with two investors when a guy from ROcket called me and we got into it, it was the same guy that scammed me this time. So when Rocket confirmed, I asked why they wanted, me to send them info when they obviously did nothing about it last time. He said " we dont get the results of the investigation, we just take the info. I said " so the fraud department has zero clue of whether or not they are being effected or is the truth that since its not your problem and you have no financial responsibility to pay for the scam, you feel no moral or concern for your customers and you dont do XXXX, just take the information and nothing happens. He replied " I cant say one way or the other. '' So this complaint is about the scammer and I need my money back or I will be living under a bridge. I cant move to an apartment without it, I cant make 3 payments by the end of XXXX to meet the modification. XXXX XXXX. The state took 7 weeks to send me a check, yet she reviewed and approved the check in under a minute. Just not my 4 years.

Company response to consumer: Closed with explanation