Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and their XXXX to properly evaluate my FHA loss mitigation options XXXX failure to respond to a formal Notice of Error, and improper foreclosure referral while a complete request was pending. On XX/XX/XXXX, I submitted a written request for a full XXXX loss mitigation evaluation after being offered a loan modification that significantly increased my interest rate and was not affordable. In that request, I clearly stated that I was not refusing assistance and specifically asked for evaluation of all available FHA home retention options, including partial claim, borrower contribution options, temporary forbearance, and other alternatives. The request was sent via certified mail and delivered on XX/XX/XXXX. On XX/XX/XXXX, the servicer issued a response that did not address my request. Instead, they referenced withdrawal of a prior trial plan and failed to evaluate or respond to the active loss mitigation request submitted on XX/XX/XXXX. Despite my request remaining unresolved, the servicer referred my loan to foreclosure counsel. This action occurred while a complete loss mitigation request was pending, which raises concerns of dual tracking in violation of 12 CFR 1024.41 ( f ). The servicer later claimed that I was not eligible for a standalone partial claim because my remaining partial claim availability was insufficient to cover the full arrearage. However, they failed to evaluate or document the full FHA loss mitigation waterfall. Specifically, they did not evaluate or provide written determinations regarding : Borrower contribution options to reduce the delinquency within allowable limits Payment Supplement eligibility ( a current FHA loss mitigation option ) Alternative modification structures based on affordability Temporary forbearance or pre-modification relief options Instead, they limited their analysis to a standalone partial claim and steered me into an unaffordable loan modification. On XX/XX/XXXX, I submitted a formal Notice of XXXX under XXXX CFR XXXX, citing these issues, including improper foreclosure referral and failure to evaluate my loss mitigation request. The servicer acknowledged the inquiry and stated that a response would be provided no later than XX/XX/XXXX. As of XX/XX/XXXX, no substantive response has been provided. This constitutes a failure to comply with RESPA response requirements and demonstrates a lack of good faith engagement in loss mitigation. As a result of these failures, I have been subjected to foreclosure activity without being properly evaluated for all available FHA home retention options. I am requesting the following : 1. Immediate suspension of all foreclosure activity 2. A complete FHA-compliant loss mitigation evaluation, including all waterfall options 3. Written documentation explaining the evaluation and denial ( if applicable ) of each option 4. Correction of all servicing errors and confirmation of compliance with RESPA and FHA guidelines 5. A review of whether dual tracking violations occurred This matter involves serious concerns regarding regulatory compliance, borrower rights, and improper servicing practices.

Company response to consumer: Closed with explanation