Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX. I have owned my home at XXXX XXXX XXXX, XXXX, New Jersey XXXX since XXXX, when I purchased it by deed from the Estate of XXXX XXXX. I am writing to tell you what Nationstar Mortgage LLC the servicer of my mortgage, operating as XXXX XXXX and the law firm it hired to foreclose on my home, XXXX XXXX XXXX XXXX of XXXX XXXX, New Jersey, did to me. I am not making anything up. Every single fact I am going to tell you is proven by sworn documents that XXXX 's own attorneys filed with the XXXX XXXX of New Jersey. Their own words, their own sworn affidavits, and their own court filings prove everything I am saying. They Sued Me Under the Wrong Legal Name My correct legal name is XXXX XXXX XXXX. On XX/XX/XXXX, XXXX 's law firm filed a foreclosure Complaint against someone named XXXX XXXX XXXX XXXX XXXX. That is not my correct legal name. I was formerly married to a man named XXXX XXXX XXXX. That marriage ended. The divorce was finalized on XX/XX/XXXX XXXX years ago by the Supreme Court of New York XXXX, XXXX XXXX, Index No. XXXX. After the divorce I returned to my legal name, XXXX XXXX XXXX. The XXXX XXXX divorce decree is a public court record. It lists my home address as XXXX XXXX XXXX, XXXX, New Jersey XXXX the exact property XXXX was trying to foreclose on. It records my social security number as XXXX. This document has been available in public records since XX/XX/XXXX XXXX years before XXXX filed its Complaint. New Jersey law required XXXX 's attorneys to conduct a title search of public records before filing. They were required to find this document. They did not find it, or if they found it, they chose not to disclose it to the Court. Either way, the entire proceeding was filed against the wrong legal name because XXXX never correctly identified who it was suing. They Invented a Husband I Do Not Have Because they sued me under the wrong name and could not identify my correct social security number, they did not know whether I was married. On Page XXXX, Paragraph XXXX of their Complaint filed under sworn certification with the XXXX XXXX XXXX New Jersey XXXX 's attorneys wrote the following : " XXXX XXXX XXXX XXXX married at this time, but after due inquiry Plaintiff has been unable to ascertain the proper given name of the spouse and therefore has designated same as XXXX XXXX XXXX XXXX and joined said spouse as a party defendant to this action. '' Read that carefully. They did not know whether I was married. They could not identify any spouse. So instead of investigating further, they invented a defendant. They put the word Mr. in front of my own name and called it my husband. Then they sued this fictional person, served this fictional person, and proceeded to obtain a foreclosure judgment against this fictional person in addition to me. I have been legally divorced since XX/XX/XXXX. I do not have a husband. I have not had a husband for XXXX years. The XXXX XXXX divorce decree sitting in public records in XXXX, New York answered every question they claimed they could not answer for free, in XXXX seconds of searching. They never looked. What Happened When They Tried to Serve the Husband They Made Up XXXX 's law firm hired a private process server named XXXX XXXX of XXXX XXXX XXXX and directed him to serve the fictional husband at my home at XXXX XXXX XXXX, XXXX, New Jersey. He came to my home XXXX times. On XX/XX/XXXX, he came to my door. His own sworn affidavit, filed with the XXXX XXXX, says one thing : Nobody Home. On XX/XX/XXXX, he came back. His own sworn affidavit says the same thing : Nobody Home. On XX/XX/XXXX, he came a third time. This time I answered the door. He asked me twice whether I was married. I did not answer him. He did not report an inability to serve the fictional defendant. Instead he handed me a second copy of the summons and filed a sworn Affidavit of Due Diligence with the XXXX XXXX XXXX New Jersey stating under penalty of perjury the following : " WHEN ASKED TWICE XXXX IGNORED/REFUSED TO ANSWER THE QUESTION OF WEATHER SHE WAS MARRIED. SHE WAS SERVED WITH XXXX COPIES JUST IN CASE. '' Just in case. Those XXXX words, written by XXXX 's own process server in a sworn affidavit filed with a state court, tell you everything you need to know about this case. He could not confirm whether a husband existed. So he handed me a second copy of the papers just in case there was XXXX hiding somewhere. That is what XXXX 's attorneys and servicer called lawful service of process on a defendant in a foreclosure proceeding. XXXX Woman Served Twice Two Minutes Apart At XXXX PM on XX/XX/XXXX, XXXX XXXX filed a sworn XXXX XXXX XXXX with the XXXX XXXX claiming he had successfully served the fictional defendant XXXX XXXX XXXX. In the space on the form asking for the name and relationship of the person who accepted service, he wrote : XXXX XXXX XXXX XXXX. Two minutes later at XXXX PM on the same day at the same address he filed a separate sworn Affidavit of Service showing that he had personally served XXXX XXXX XXXX XXXX primary defendant. The physical description of the person served is identical in both affidavits : Female, XXXX XXXX, Height XXXX feet XXXX inches, Weight XXXX pounds, XXXX skin, XXXX hair. XXXX woman. XXXX door. XXXX address. XXXX minutes apart. XXXX separate sworn affidavits of successful service. XXXX defendants one of whom does not exist both certified as served. The fictional husband was served by handing a second copy of the summons to the primary defendant herself, XXXX minutes before she was served as the primary defendant. This is what XXXX certified as lawful service of process. They Filed the Wrong Person 's Financial Records as Evidence Against Me XXXX 's attorney XXXX XXXX XXXX, XXXX attached two sets of financial judgment records to the Complaint and presented them to the XXXX XXXX as evidence of judgment liens against me and my property. Neither set of records belongs to me. The first set is a judgment in favor of XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, in the amount of {$17000.00}, for a wage garnishment. The abstract lists a co-debtor named XXXX XXXX. I do not know XXXX XXXX. I have never had any financial obligation with XXXX XXXX. His name has never appeared on any document of mine. The social security number reflected in that abstract does not match my social security number of XXXX, as proven by the public divorce decree. That judgment belongs to a different person. The second set is two judgments in favor of XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX and XXXX listing a XXXX XXXX at XXXX XXXX addresses : Trailer XXXX, XXXX XXXX XXXX, XXXX, New Jersey XXXX XXXX and XXXX Penns Grove XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New Jersey XXXX XXXX Both of those locations are in XXXX XXXX. I have lived in XXXX XXXX, New Jersey since XXXX. I have never lived in XXXX. I have never lived in XXXX XXXX. I have never lived in XXXX XXXX. Both of those abstracts also list a co-debtor named XXXX XXXX. I do not know XXXX XXXX. I have never had any financial obligation with XXXX XXXX. XXXX independent facts prove these records belong to a different person : the social security number does not match mine, the addresses are in a different county from where I have lived for twenty-two years, and the co-debtors are complete strangers to me. XXXX 's title search was so poorly conducted that it confused me with a different woman who happens to share a similar first name, and then filed that woman 's financial records as evidence against me in a proceeding seeking to take my home. They Violated Federal Law by Running the Military Search Under the Wrong Name The Servicemembers Civil Relief Act XXXX XXXX. Section XXXX is a federal law that requires any plaintiff seeking a default judgment in a civil case to first certify that the defendant is not on active military duty. That search must be conducted using the defendant 's correct legal name and correct social security number to return results that can actually be attributed to that specific person. XXXX 's attorneys conducted the military status search in this case under the name XXXX XXXX XXXX That is not my correct legal name. My correct legal name is XXXX XXXX XXXX. They also did not have my correct social security number XXXX as proven by the non-matching digits on the financial abstracts they filed in their own Complaint. A military status search conducted under the wrong name and without the correct social security number can not be reliably attributed to the person being sued. The default judgment entered without a valid SCRA search is void under federal law, completely independently of every other problem with this case. One XXXX Employee Was the Foundation for Everything XXXX sworn certification filed with the Complaint on XX/XX/XXXX certifying that due diligence was conducted, that a title search identified all interested parties, that no other parties needed to be joined, and that the entire case was factually supported rested on a single written communication with one XXXX XXXX XXXX employee : a person named XXXX XXXX, whose job title was Document Execution Associate. That XXXX communication took place on XX/XX/XXXX XXXX days before the Complaint was filed. That XXXX written exchange with one employee whose job is to execute documents was the entire factual foundation for XXXX separate sworn certifications submitted to the XXXX XXXX of New Jersey. No independent verification. No senior officer. No attorney. One Document Execution Associate. Four sworn certifications. Where Things Stand Right Now A foreclosure judgment has been entered against me based on everything described above a fictional defendant, false sworn certifications, wrong financial records, an invalid military status search, and a case filed against the wrong legal name. The XXXX XXXX XXXX issued a writ of execution on that judgment. The writ has been returned. The sheriff 's sale did not occur. My home has not been sold. I still own it as of the date I am writing this. I have filed a Motion to Vacate the foreclosure judgment in the XXXX XXXX of New Jersey, XXXX XXXX, XXXX XXXX. I have filed ethics complaints against the attorneys involved with the New Jersey Office of Attorney Ethics. I have filed a fraud complaint with the New Jersey XXXX XXXX XXXX XXXX XXXX. I am filing this complaint with the Consumer Financial Protection Bureau because Nationstar Mortgage LLC is a federally supervised mortgage servicer and the CFPB has jurisdiction to investigate mortgage servicers that engage in deceptive and abusive practices in connection with foreclosure proceedings. What XXXX did directing its attorneys to file false sworn certifications with a state court, authorizing one Document Execution Associate to certify compliance with ten specific court rule obligations, failing to correctly identify the borrower before filing, submitting another person 's financial records as evidence, and conducting a military status search under the wrong name is the kind of conduct the CFPB was created to stop. I am asking for your help. The sheriff 's writ has been returned but the plaintiff can seek a new writ at any time. Once my home is sold the harm can not be undone. I have lived here since XXXX. I have the documents to prove everything I have told you. Every fact in this complaint is in the court record

Company response to consumer: Closed with explanation