Consumer complaint received 2025-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
PUBLIC NOTICE FRAUD, ILLEGAL FORECLOSURE, TRESPASS, XXXX XXXX XXXX XXXX XXXX VIOLATIONS Primary Actors Rocket Mortgage , LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorneys XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX foreclosure auction platform XXXX Foreclosure/auction services XXXX for HUD XXXX XXXX XXXX Documented Illegal Actions 1. Failure to Validate Debt XX/XX/XXXX Served Qualified Written Request ( QWR ) under RESPA 2605 ( e ) demanding debt validation, original wet-ink note, full chain of title, escrow accounting, and MERS assignments. 
No response received. Direct RESPA violation. 
XXXX. Forced Lender-Placed Insurance Fraud XX/XX/XXXX Rocket Mortgage imposed a {$3200.00} hazard insurance policy through Standard XXXX  XXXX XXXX without consent. 
XXXX named Rocket Mortgage as insured, not the property owner. 
Violates RESPXXXX XXXX XXXX XXXX XXXX and CFPB servicing rules. 
XXXX. False Loan Status Representation Same day forced insurance applied ( XX/XX/XXXX ), XXXX XXXX reported the loan as Closed proof the loan was no longer active in Rockets servicing XXXX. 
XXXX foreclosure after this status is XXXX fraud and false representation of debt under FDCPA XXXX. 
4. Fraudulent Title and XXXX XXXX XXXX XXXX XXXX XXXX and MERS Analysis Report confirm : Broken and fraudulent assignments Inactive MERS MIN No lawful chain of title from original lender to Rocket Mortgage Violates TILA 1641 ( g ) and state recording laws. 
5. Bankruptcy Violation XXXX XXXX. XXXX Active bankruptcy protections ignored. 
Rocket Mortgage and XXXX XXXX XXXX proceeded with foreclosure without lawful relief from stay. 
Violates 11 U.S.C. 362 ( a ).

6. Trespass on Private Trust Property XX/XX/XXXX Sheriff XXXX XXXX XXXX, acting in private and commercial capacity, trespassed upon and interfered with private trust property to conduct a foreclosure auction at the XXXX XXXX XXXX. 
Trespass occurred despite unrebutted rescission, absence of lawful debt validation, inactive title registration, and no verified chain of title. 
Constitutes wrongful foreclosure, conversion, and trespass under common law and UCC enforcement. 
XXXX. XXXX XXXX XXXX XXXX The property was funneled into the XXXX Claims XXXX XXXX XXXX Title ( CWCOT ) pipeline meaning federal insurance funds, FHA XXXX holders, and compliance agencies are involved. 
XXXX handled the online auction mechanics. 
XXXX acted as an asset management/foreclosure services intermediary for the sale. 
This pipeline is under direct federal oversight and subject to immediate intervention by HUD XXXX, XXXX XXXX, FHA XXXX XXXX, and other federal regulators when fraud, title defects, or borrower rights violations are documented. 
XXXX. XXXX XXXX XXXX XXXX ) Violations Rocket Mortgage is required under XXXX  XXXX, XXXX, XXXX, and XXXX to maintain accurate financial reporting and internal controls. 
By reporting the loan as Closed on XX/XX/XXXX, while simultaneously representing it as in default for foreclosure, Rocket Mortgage created materially false statements to investors, XXXX XXXX pool managers, and federal program auditors. 
Falsification of servicing status and concealment of title defects constitute securities fraud under XXXX XXXX. XXXX, triggering XXXX whistleblower and enforcement provisions. 
XXXX. Documented Commercial Dishonor Multiple notarized notices unrebutted : XX/XX/XXXX XXXX Notice XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XX/XX/XXXX Notice XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX, unrebutted notices constitute default and dishonor. 
XXXX XXXX XXXX Violations RESPA XXXX XXXX. XXXX ( XXXX ), XXXX ( k ) TILA XXXX XXXX. XXXX, XXXX ( g ) FDCPA XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX. XXXX, XXXX, XXXX Mail XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX Bank XXXX XXXX XXXX. XXXX Bankruptcy XXXX Violation XXXX XXXX. XXXX ( a ) Common Law Trespass & Conversion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pattern of the Scheme Inflate escrow through forced insurance. 
Ignore lawful debt validation requests. 
Push foreclosure during disputes and/or bankruptcy protection. 
Use attorneys, sheriffs, XXXX, and XXXX to force property sales without lawful authority. 
XXXX disputed property into federally-insured XXXX sales to quickly offload to third-party buyers. 
Commit XXXX securities fraud by misrepresenting loan status and concealing title defects from bond holders and regulators. 
Trespass and interfere with private trust property. 
Conceal broken title and securitization defects from federal oversight. 
This notice is issued for public awareness and to alert regulators, investigators, bond holders, and the media. All statements are supported by documentary evidence and unrebutted sworn notices. All responsible parties are subject to lien enforcement, federal complaint filings, criminal referral, and emergency intervention by federal agencies overseeing XXXX XXXX XXXX and SOX compliance XXXX

Company response to consumer: Closed with explanation