Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
I previously filed a complaint ( XXXX ) regarding Rocket Mortgages deceptive foreclosure actions. In their official response, Rocket Mortgage stated that they can not locate a letter dated XX/XX/25. This statement is false. 

The letter is in my mortgage files with them, I downloaded it from their website. I also provide the letter, and I am attaching it again with this new complaint. The letter, dated XX/XX/25, contains the following written assurance : We wont make the first notice or filing required to initiate the foreclosure process under applicable law before reviewing your complete application. 
Despite this promise, Rocket Mortgage filed the foreclosure on XX/XX/25, which is : XXXX day before the date on their own letter, and before reviewing my complete application, despite stating in writing they would not do so. 

This proves that Rocket Mortgage : Initiated the first notice for foreclosure before fulfilling their own written obligation, and Sent a letter after the foreclosure filing falsely implying they had not yet filed. 

Their prior response to the CFPB claiming they could not locate the letter is untrue and deceptive. The letter was included in my original submission and is included again now. 

Rocket Mortgages original CFPB response contained false information, which undermines the integrity of the complaint process and is deceptive. The company is fully aware of the letter and chose to deny its existence instead of addressing the contradiction between their promise and their actions. 

This raises serious concerns about : * Deceptive or misleading representations * Failure to comply with foreclosurereview requirements * Dualtracking behavior ( filing foreclosure while still reviewing documents ) * Servicing violations related to lossmitigation review Because the companys previous response was inaccurate and deceptive, I request that the CFPB reexamine this matter. 

What I Am Requesting A full review of Rocket Mortgages servicing conduct, including the timeline of my foreclosure filing relative to their written promise. 
Accountability for the false information provided in their prior CFPB response. 
Confirmation of whether Rocket Mortgage violated applicable servicing and lossmitigation requirements, including the prohibition against initiating foreclosure before completing application review. 
Correction of any negative consequences caused by the improper and premature foreclosure filing. 

Documents Included : * Letter from Rocket Mortgage dated XX/XX/25 ( showing their written promise ) * Evidence of foreclosure filing on XX/XX/25 * All other communication history needed to support the timeline. 

Final Statement Rocket Mortgage initiated foreclosure in direct contradiction to their own written promise and then provided a false statement to the CFPB claiming they could not locate the very document I supplied. This concealment, paired with their premature foreclosure filing, shows a clear pattern of deceptive servicing practices. I request that the CFPB reopen or reevaluate this matter based on the documented evidence and the companys misleading prior response.

Company response to consumer: Closed with explanation