Consumer complaint received 2026-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this formal complaint with the CFPB against Rocket Mortgage , LLC regarding escalating, systemic errors on my mortgage account that have resulted in severe financial harm, an unwarranted tax lien, and a foreclosure request against my property. I am committed to keeping my home, but the companys failures have made the current situation untenable. This submission serves as both a detailed Notice of XXXX and a formal request for an investigation and resolution. 

I. Financial Hardship Summary The company 's errors coincide with a " perfect storm '' of financial hardships over the past three years that have severely impacted my ability to maintain the drastically increased payments : 1. Significant Income Loss : Due to a COVID-19 related organizational restructure ( XX/XX/XXXX XX/XX/XXXX ), my salary was reduced by over {$20000.00}. 

2. Cost of Living : My current role requires a daily commute to XXXX, OH, with inflation and rising fuel costs significantly tightening my monthly budget. 

3. Major Home Repairs : I incurred massive, unplanned expenses for catastrophic issues, including a main water pipe burst ( $ XXXX repair ) and a two-year lack of a functional kitchen due to a leak. 

XXXX. Health Issues : I suffered from XXXX XXXXXXXX during XXXX and XXXX. I also had several visits to the physician due to XXXX XXXX elevated to XXXX XXXX Lastly, I suffered an injury to my back that made it extremely difficult to walk or work this year. 

Despite the financial hardship, I proactively sought out assistance from the XXXX XXXX XXXX XXXX XXXX to maintain my mortgage payments and taxes, and I communicated on a regular basis the status of the application, approval, and the amount of funds being awarded. These compounding issues have created a situation of severe emotional and physical duress. 

II. Detailed Dispute and Escalating Errors My required monthly mortgage payment has increased three times since the unwarranted escrow creation in XX/XX/XXXX, rising from the Original Payment of {$930.00} to the NEW CURRENT ERRONEOUS PAYMENT of {$1500.00}. I believe this is based on fundamental and ongoing errors by Rocket Mortgage : Improper Escrow Creation Violation : A Rocket Mortgage representative explicitly told me that the escrow account should not have been created given the approved third-party assistance received from the XXXX XXXX XXXX XXXX XXXX  XXXX which was in place prior to the XX/XX/XXXX mandate. The company 's failure to properly apply these assistance funds caused the subsequent issues. 

Disputed XXXX Tax Liability : The initial justification for escrow was based on a {$3400.00} delinquency for XXXX taxes. I formally refute this claim as the XXXX taxes were previously paid by the prior servicer, XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). 

I advised the Rocket Mortgage representative, XXXX XXXX, of the prior payment. However, Rocket Mortgage subsequently paid {$3400.00} on XX/XX/XXXX for the disputed XXXX taxes. 

Documentation from XXXX XXXX, Chief Fiscal Officer/Delinquent-Tax Supervisor at the XXXX XXXX Fiscal Office XXXX XXXX XXXX XXXX for the XXXX tax year were made by XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ( {$1400.00} ) and XX/XX/XXXX ( {$1400.00} ). I have documentation to support my position. ( Please see documentation attached with payment history for taxes for Property at XXXX XXXX and the XXXX taxes paid by XXXX XXXX prior to closing on the loan with Rocket Mortgage ). 

Tax Certificate Sale & Request for Foreclosure : Rocket Mortgage 's servicing failure resulted in a tax certificate being sold on XX/XX/XXXX, to XXXX XXXX XXXXXXXX for {$2100.00} ( including delinquent XXXX taxes and a {$300.00} Treasurer 's fee ). 

This sale occurred after the escrow account was created and after the XXXX XXXX XXXX XXXX XXXX issued funds to Rocket Mortgage to cover my taxes and mortgage payments. 

Rocket Mortgage failed to properly apply the funds from the XXXX XXXX XXXX XXXX and also failed to apply funds from my escrow account to pay the taxes prior to the lien being placed. 

By allowing a tax lien to be placed on my property, the company caused severe financial harm. 

On XX/XX/XXXX, XXXX XXXX XXXXXXXX filed a Request for Foreclosure with the XXXX XXXX XXXX XXXX. 
I am being penalized and my payments were increased to cover an original tax lien for {$1800.00} plus a {$300.00} Treasurer 's fee, that now includes a {$3000.00} Foreclosure fee and {$1700.00} in interest. I should not be forced to pay these penalties resulting from the company 's errors. 

Erroneous XXXX Tax Payments : The alleged {$7000.00} escrow shortage is a direct result of the company 's continued pattern of making incorrect tax payments into XXXX. The transaction history clearly shows : XX/XX/XXXX : {$1700.00} Erroneous Tax Payment XX/XX/XXXX : {$1700.00} Erroneous Tax Payment XX/XX/XXXX : {$1800.00} Erroneous Tax Payment XX/XX/XXXX : {$1700.00} Erroneous Tax Payment These payments, totaling {$6900.00}, are being applied toward a tax lien entirely caused by the initial servicing failure. ( Please see complaint for XXXX XXXX Common Pleas Court Compliant-Tax Lien Foreclosure attached ) ( Please see lender place taxes and insurance from Rocket Mortgage attached ) Rocket Mortgage Fail to properly apply the mortgage and tax payments made by the XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Please see documentations attached from XXXX XXXX XXXX XXXXXXXX XXXX )

Company response to consumer: Closed with explanation