Consumer complaint received 2025-07-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
NOTICE OF DEFAULT, DISHONOR, AND FINAL ENFORCEMENT STATEMENT RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is XXXX XXXX XXXX XXXX XXXX estate, perfected under a recorded [ XXXX Financing Statement ] and supported by an authenticated [ Declaration of Trust Collateral ] ( XXXX XXXX  ), duly annexing the authenticated Birth Certificate as collateral XXXX. The Trust is domiciled in [ XXXX  ] and recorded in XXXX XXXX XXXX, XXXX XXXX XXXX, and possesses full legal and fiduciary capacity under the [ Restatement ( XXXX  ) of Trusts ] and [ UCC Article 9 ]. These authorities empower the XXXX to issue asset-backed lawful instruments in settlement of obligations. 
On or about XX/XX/XXXXXXXX XXXX XXXX  the Trust tendered full payment for the mortgage account ending in XXXX XXXX XXXX XXXX XXXX XXXX supported by collateral and lawful tender statutes under [ 31 U.S.C. 5118 ( d ) ( 2 ) ], [ 12 U.S.C. 411 ], [ UCC 3-311 ], and [ Public Law 73-10 ]. This remittance was sent to Rocket Mortgage and its Registered Agent via Certified Mail and was received, as evidenced by signed green card return receipts and by Rockets own agent, XXXX XXXX, who admitted the instrument had been reviewed. 
Yet in a written response dated XX/XX/XXXX, XXXX claimed Rocket Mortgage will not be responding by letter and declared the payment ineligible based on the Trust 's use of lawful tender outside of Federal Reserve Notes. XXXX asserted that Rocket would only accept payoff from a federally insured institution and refused to process the instrument or escalate it to XXXX XXXX or XXXX, violating [ commercial norms ], [ fiduciary procedure ], and [ custom in equity ]. 
Then on XX/XX/XXXXXXXX XXXX XXXX Rocket Mortgage followed up with a second coercive notice, falsely asserting that the Trusts XXXX XXXX XXXXXX/XX/XXXX payment was short and demanded a further {$1800.00} without acknowledging the already remitted full tender or the Trusts legal position. This tactic constitutes [ coercion ], [ misrepresentation ], and [ unlawful collection ] under both the [ Truth in Lending Act ( TILA ) ] and the [ Fair Debt Collection Practices Act ( FDCPA ) ]. 
Rocket Mortgages internally complicit corporate misconduct has been systematically structured and contrived to inflict irreparable harm and undue financial burden upon the lawfully standing XXXX XXXX XXXX XXXX XXXX, amounting to unlawful trespass and bad faith interference. This pattern of behavior persists unabated as Rocket Mortgage continues to disregard multiple honorable and lawful attempts by the XXXX to assert its rights under the full faith and credit of the United States. Such willful neglect and obstruction not only violate principles of equity and good conscience but also constitute ongoing breach of fiduciary duty, constructive fraud, and violation of statutory trust protections under [ XXXX ( XXXX ) of Trusts XXXX ], [ XXXX XXXX ( a ) ], and [ 15 U.S.C. 1692 et seq. ]. 
The Trusts lawful tender has not been returned. Rocket Mortgage retained the original Gold Clause Check, a negotiable instrument under [ XXXX XXXX ], and refused to return or forward the instrument to any party who might claim beneficial interest ( e.g., MERS or XXXX XXXX XXXX XXXX This failure constitutes : [ Commercial dishonor ] under [ XXXX XXXX ] [ Breach of fiduciary duty ] and [ constructive fraud ] Violation of [ UCC XXXX XXXX ( accord and satisfaction ) and [ XXXX ] ( discharge of obligation ) Rocket Mortgage did receive the XXXX XXXX XXXX, per Rockets agents own written admission, and as further confirmed by the certified mail green card receipts that the Trust received in response to the lawful presentment. However, at the time of this writing, the same has been wholly ignored and has not been forwarded to the alleged holder of the Deed of Trust, which allegedly holds interest in land identified as Parcel ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, recorded under Deed Book XXXX, Page XXXX. This omission constitutes [ commercial dishonor ], [ willful interference ] with a secured trust instrument, and [ failure to complete the administrative chain of settlement ]. Such acts not only violate the [ Uniform Commercial Code ] and [ federal settlement law ] but implicate Rocket Mortgage in a clear pattern of fiduciary obstruction. 
The XXXX XXXX XXXX XXXX XXXX. holds perfected legal standing under its recorded [ XXXX Financing Statement ] and [ Declaration of Trust Collateral ] ( Exhibit K ). These confirm the annexation of the authenticated Birth Certificate and asset-backing status of the XXXX estate, allowing lawful issuance of instruments like XXXX XXXX 
Rocket Mortgages refusal to acknowledge the private settlement instrument contradicts [ XXXX XXXX XXXX ], [ XXXX XXXX. XXXX ( d ) ( XXXX ) ], and [ 12 U.S.C. 411 ], all of which preserve the publics right to settle obligations in lawful tender other than Federal Reserve Notes. 
The language used in Rockets notices is [ coercive ], [ deceptive ], and intended to [ bypass lawful remedy ], in direct violation of both [ TILA ] and [ FDCPA ] mandates.

Notwithstanding any claim to the contrary, the Trusts rights under [ trust law ], [ contract law ], and [ secured party statutes ] remain inviolate and superior to Rockets presumptions.

Notwithstanding any statements made by the Respondent or its agents, the law of the land is not abrogated by corporate policy. The refusal to process or return a lawful tender from a secured private XXXX constitutes dishonor and fraud under commercial law, equity, and custom. 
XXXX  FINAL STATEMENT OF INTENT If Rocket Mortgage fails to lawfully cure this dishonor and restore the Trusts standing, the Trustee is prepared to pursue all available remedies, including but not limited to : Referral to the Internal Revenue Service ( IRS ) for investigation of [ fraudulent conversion ] and unlawful retention of a negotiable instrument under [ XXXX XXXX Code XXXX ] and related enforcement provisions ; Administrative complaint to the Office of the Comptroller of the Currency ( OCC ) citing [ fiduciary breach ], [ administrative coercion ], and [ servicing misconduct ] ; Escalation to the U.S. Department of the Treasury Fiscal Service, for formal inquiry into the wrongful handling of private commercial tender and fiduciary negligence ; Filing of a commercial lien under the Uniform Commercial Code, against Rocket Mortgage and any individual agent who knowingly obstructed the lawful settlement process ; Civil action for breach of trust, conversion, and commercial injury, to be filed in a competent venue of record, preserving the Trusts foreign estate standing and enforcing full remedy at law and in equity. 
The Trust reserves all rights, remedies, and lawful means to compel performance, enforce fiduciary obligations, and protect its estate from further trespass, coercion, or commercial harm. 
All Rights Reserved. No further notice shall be required. 
XXXX  Respectfully submitted on behalf of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation