Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: Rocket Mortgage, LLC
State: IA

Complaint narrative:
1 of 165 demand for correction Inbox XXXX XXXX XXXX XXXX ( 11 minutes ago ) to me LEGAL DEMAND FOR CORRECTION & INVESTIGATION Re : Rocket Mortgage Negligence, Misrepresentation, and Resulting Financial Harm Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX To Whom it May Concern RE : Demand for Correction Negligence, Mishandling, and Financial Harm Caused by Rocket Mortgage To the Executive Office , I am submitting this formal Demand for Correction regarding Rocket Mortgages mishandling of my refinance, failure to perform required duties, and actions that have caused direct financial harm to me. The following issues outline a clear pattern of negligence and misrepresentation by Rocket Mortgage staff, including my loan officer, XXXX XXXX. 1. Misrepresentation and False Assurances I was repeatedly told that my refinance had no issues, that everything was good to go, and that closing would occur on time. I was also asked if I wanted additional equity, which I declined. These assurances were given despite Rocket Mortgage not having the ability or knowledge to complete the required subordination. 2. Admission of Incompetence Regarding Subordination My loan officer openly admitted he did not know how to complete a subordination, and this was stated to me over a month ago. Despite this, Rocket continued the refinance process without resolving the issue, causing unnecessary delays and financial damage. 3. I Was Forced to Do Rocket Mortgages Work Rocket Mortgage failed to obtain the correct subordination language from the XXXX. I personally contacted the XXXX, spoke with officials, and obtained the exact wording Rocket needed. This is work Rocket Mortgage was responsible for, not me.She sis I called XXXX attorney and asked to push it through immediately and not wait for XXXX council. It was done next day they called and informed me they sent it to Rocket. Should have closed today! I demand the default be removed from my account and no late fees applied! 4. Failure to Submit Subordination Properly and Timely Even after I provided the correct information, Rocket Mortgage : Failed to submit the subordination correctly Failed to follow up Failed to escalate Failed to meet the promised closing date These failures are entirely on Rocket Mortgage. 5. Financial Harm Directly Caused by Rocket Mortgage Because Rocket Mortgage did not close on time : I was forced to pay my car payment, credit card, vehicle registration, and property taxes out of pocket These were supposed to be covered by my equity funds I was forced to take out a loan from my credit union to cover these expenses Due to continued delays, I may now need to take out another loan Rocket is now demanding payments that only exist because of their own errors This is unacceptable and constitutes financial harm caused by Rocket Mortgages negligence. 6. Contradictory Information About the XXXX XXXX I was told the XXXX XXXX could be subordinated. Later, I was told XXXX XXXX does not allow two subordinations, and that I would need to roll my 0 % XXXX XXXX into an 8 % mortgage. This was never disclosed upfront and contradicts earlier statements. 7. Rocket Mortgage Dropped the Ball Rocket Mortgage employees admitted : The subordination was not handled correctly They did not know how to complete it They failed to follow up They failed to escalate They failed to close on time These failures are not mine. DEMAND FOR CORRECTION I am demanding the following corrective actions : 1. Written acknowledgment of Rocket Mortgages errors Including the mishandling of the subordination and delays. 2. Immediate correction of all financial harm caused Including reimbursement or credits for expenses I was forced to pay due to Rockets delays. 3. Removal of any late payments or negative credit impact Rocket Mortgage must ensure no negative reporting occurs due to their failure to close on time. 4. A corrected refinance solution One that does not require me to pay off my 0 % city loan at 8 % interest due to Rockets incompetence. 5. A written plan of resolution Including timelines and responsible parties. Conclusion I acted in good faith and fulfilled every requirement immediately. Rocket Mortgage did not. Your companys failures have caused unnecessary stress, financial hardship, and significant delays. I expect a written response and corrective action plan from the Executive Office. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation