Consumer complaint received 2024-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I have 3 main concerns and situations with Rocket Mortgage, a third party company they hired, and my dads neighbor XXXX XXXX XXXX a real estate agent in XXXX Mississippi. 

My dad passed away this year on XXXX XXXX XXXX He had a will and intentions written out and notarized. He left me, XXXX XXXX his son sole in charge of his home, estate, and personal belongings. 

When my dad passed away one of the first things I did was call Rocket Mortgage and let them know my dad had passed away and my intent. My intent was to sell his home as quickly as possible, & repay any debts to the mortgage. At this time they informed me they would be mailing me paper work, I would need to attach his death certificate and court documents with approval for my intent. I understood this and patiently waited for the paperwork.

A few days after my dad passed away his neighbor XXXX approached me and offered to represent me selling the house. I told her at that time that I would consider it. Without my knowledge or ANY paperwork signed for us to work together, or for her to represent me, she started contacting Rocket Mortgage. I did NOT know she was calling them, and she NEVER communicated to me that she would be contacting them. She continued to contact them many times. 

EXITING WORKING WITH XXXX
On May 21st, 2024, XXXX  sends me a text message saying He XXXX(not how you spell my name) Just checking back in with you. Me and my family were on a trip out of town that we had planned before my father passed away. So instead of calling her, which I believe would have been a better move, I respond with a text message saying Thank you for reaching out and for your interest in working together. After getting through Dads paperwork (he had some items planned) and consultation with my attorney, it appears that our paths wont cross professionally, but I appreciate you following up, your support and hope that you have a wonderful day.
Please note that Im currently out of town and unavailable for phone calls, but I wanted to respond to your inquiry in a timely manner. Thank you again for your understanding XXXX  responded with Thank you for getting back to me! My contractors are still interested in purchasing some of the equipment and if the property will be available for sale some way please let me know. The person I discussed with you that would be a potential buyer would still be interested.
I thought we had no hard feelings based on her response. BUT at this time she decided to contact Rocket Mortgage more. She made it seem like the house wasnt safe, that I abandoned it, and she couldnt get ahold of me. 

I believe she forced Rocket Mortgage to come out to my dads house, change the locks, and start hauling his belongings away. 

BELOW is a the story of what has happened in more details. But I have had Rocket Mortgage comes out, change my dads locks, improperly shut off the water and then had the house flood as a result of it. I tried listing all information I have. XXXX XXXX XXXX XXXX


To whom it may concern.
MY FATHERS ESTATE
My father XXXX XXXX passed away XXXX XXXX XXXX My dad has initially passed away in the morning, and the doctors revived him and immediately called me. I scheduled a plane ticket for the same day and attempted to fly down before he passed away again. I got down there and he was already gone. I stopped by his house and grabbed his will as he had instructed me to do if anything happened to him. I had his safe code, house key, car key, a garage door opener, and assess to his attorney who drafted the will if needed. I had these things for at least 4 years. 
Within 48 hours of him passing away I called his mortgage company Rocket Mortgage to notify them he passed, and that I would be handling his mortgage with intent to sell the house. At this time they notified me they couldnt do ANYTHING, without me filling out a packet of forms, and attaching certain documents. The documents they required were: XXXX XXXX  death certificate, court documents with my intent for the property (list all documents). They informed me that their policy is to MAIL the forms to my physical address. After receiving the forms I would attach the required documents listed above. 
Within a week or two(add dates)after my father passed away me and my wife, our XXXX XXXX old daughter, and my mother(my fathers ex wife) drive to Mississippi to unlock his safe, get his will and start sorting his belongings. In his will, pension and other accounts I am listed as the XXXX beneficiary to his entire estate. No one else in involved, mentioned or included in his will and wishes. 

THE NEIGHBOR XXXX INTRODUCES HERSELF
Within the first week of him passing I acquired attorney XXXX XXXX (put official title), per Mississippis estate laws. As I wait for the paper work from Rocket I want to start getting my fathers house in order. As I live on the other side of the country we schedule a second visit down. 
During my second visit down to Mississippi on XXXX XXXX one of my father, XXXX XXXX neighbors, XXXX XXXX XXXX comes over and informs me shes a real estate agent and she could help me sell my fathers house during this difficult time   . After offering her services, she gives me her condolences that my father passed away. I found the order of the conversation very cold and off putting. I told her I would consider her as a real estate agent. My mother, XXXX XXXX  had requested her to send us paperwork to look over, so we would know her rates and policies. She said it was too soon for that. 
After I told her I would consider working with her 3 separates houses immediately neighboring my fathers came directly up to me in person and warned me not to work with her. They said shes untrustworthy, lazy, and an awful person as well as an awful neighbor. I remembered at this point my father really liking the people who were telling me not to work with her, and I remembered him telling me he wasnt fond of XXXX He had told me shes the kind of realtor who would post her face all over bus stop benches before shed ever do some real work. 

EXITING WORKING WITH XXXX
On May 21st, 2024, XXXX  sends me a text message saying He XXXX(not how you spell my name) Just checking back in with you. Me and my family were on a trip out of town that we had planned before my father passed away. So instead of calling her, which I believe would have been a better move, I respond with a text message saying Thank you for reaching out and for your interest in working together. After getting through Dads paperwork (he had some items planned) and consultation with my attorney, it appears that our paths wont cross professionally, but I appreciate you following up, your support and hope that you have a wonderful day.
Please note that Im currently out of town and unavailable for phone calls, but I wanted to respond to your inquiry in a timely manner. Thank you again for your understanding
XXXX responded with Thank you for getting back to me! My contractors are still interested in purchasing some of the equipment and if the property will be available for sale some way please let me know. The person I discussed with you that would be a potential buyer would still be interested.
I thought we had no hard feelings based on her response. XXXX RELATIONSHIP WITH ROCKET MORTGAGE
When XXXX  VERY first introduced herself to me, my wife and mother, she started calling and emailing my fathers mortgage company, Rocket Mortgage. This was NEVER, to this day, disclosed to me by XXXX  She had called Rocket Mortgage to inform them she would be representing me, and that we had intent to sell the house. Rocket Mortgage told me this over the phone. They have MANY MANY notes from her calling and emailing them. I know that she has contacted them at least 10 times that I know of.  Once I informed her we would not be working together she started contacting Rocket Mortgage with ill intent towards me and my fathers estate. She also lied to them on multiple occasions. She told them that she could not get ahold of me anymore and she believed the property to be vacant and abandoned. She also told them it seemed like people were coming and going from the home. She wanted them to think it was in danger of being broken into. She did NOT however call the police to inform them of anything. 
After speaking to my attorney and several local real estate agents I believe her intent was to get Rocket Mortgage to take the house from us with intent to purchase it, or have someone she knows purchase it. One of the notes Rocket Mortgage time stamped and dated was of her saying she couldnt get ahold of me. And at the exact time they noted it we were texting back and forth. It was XXXX XXXX XXXX XXXXXXXX  she text me photo and the message Hey there! A UPS truck just drove up and left this on your Dads door. 
At XXXX I responded with Thank You!. I NEVER once did not respond to a text message. She NEVER once called me. I have attached screenshots of our text messages with dates and times. 

ROCKET INVADES MY FATHERS HOME
On XXXX XXXX  my wife, my child, our XXXX cats, and I rent a minivan so we can drive to my fathers house to prep it for sale. We dove XXXX  hours from XXXX  together. We arrive to find our keys dont work in the locks of the house. Theres a sticker on the house saying the home has been deemed vacant and to call a number if theres any issue. 
So I call Rocket Mortgage to find out they had deemed the house vacant and sent this company in to change the locks, turn off the utilities and remove anything hazardous. I continue to ask how something like this could happen in such a short time. Telling them I hadnt even received the paper work yet for me to take ownership of his account. The Rocket Mortgage representative couldnt give me any information since I hadnt even got the paperwork yet. After 90 minutes of asking the representative questions she finally tells me. Well there are notes on here from a neighbor that may have caused us to act so quickly. 

HOUSE SEEMED VACANT
One of my first issues is everyone keeps telling me the house seemed vacant. The mail was inside on the dining room table, the lawn was mowed, and the house inside was mostly organized. The only thing vacant was me not living there. 
I also dont understand how the neighbor could of got the mortgage company to act at all. Why did they listen to this lady? We didnt have paperwork or an agreement for her to represent me, and she had no access to my fathers death certificate. 

THE THIRD PARTY COMPANY
On our third visit down and after having the locks changed so I could enter the home I legally had every right to enter, we we approached by a woman saying she was sent there from Rocket Mortgage to remove hazardous and flammable items. So there are two main issues with this Third Party Company.

BELONGINGS
I was told by Rocket Mortgage that the third party company was supposed to remove hazardous material, and anything flammable. Well I had recently stocked my fathers house with many things such as; XXXX worth of contractor bags, soap, toilet paper, paper towels and all of the normal amenities. My father also had plenty of these things before I bought them. The entire house was raided of ANYTHING someone could use in their own home. And I found tons of hazardous and flammable things all over. They had really just started emptying my dads entire sun room taking everything. They removed, that I know of all paper towels, all tooth paste, every shampoo & conditioner bottle, all garbage bags, zip lock backs, toilet paper, and any consumable in the house. 
ALSO and more importantly, during our second visit to Mississippi we had went through roughly XXXX of my dads belongings. My dad was an avid gun collector and also had a habit of saving money by stashing $20 bills in envelopes. After they raided my fathers home and we went through the remaining XXXX of his belongings, we found $0 and no more guns. I find it very hard to believe that we had found all of his hidden guns and money when we constantly kept find them anywhere we looked. 

WATER LINES
The worst part of everything this 3rd party company did was disconnect the hot and cold water from the washer. They removed both lines from the spickets on the wall. They then added a very thing plastic cap and NEVER turned the nozzles off to the hot or cold water. They had all the utilities shut off to my fathers house. So I had the water turned back on before we came down for a 4th visit and the house flooded. This company never properly handled the water. They left hot and cold water on fully. They didnt even attempt to turn the water off. The water damaged every single thing touching the floor in 4 rooms. 
The house now needs remedial work to remove mold and prevent further growth. I have since paid a company to remove all the wet and damaged belongings from the house. Currently the home is vacant of belongings.
I have photos of tons of flammable things around the hot water heater and in the utility closet inside the garage. I also have photos of everything flooded and thrown away.  But either way my dads belongings have been raided, stolen, and so much of it damaged from the water flooding. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
ROCKET MORTGAGE HAS MANY MANY NOTES FROM HER CONTACTING THEM BY EMAIL AND PHONE.
ALL TEXT MESSAGES ARE IN THE PHOTOS BELOW
Ive included every text message Ive ever had with XXXX
Sincerely, XXXX XXXX XXXX XXXX, OH XXXX  
I have no clue. My deceased fathers belongings have been gone through and stolen. The mortgage company fined me a lot of money for not paying the mortgage owed until I figured out what to do. I was JUST informed about your organization and immediately came here to ask for help. 

Also XXXX  maliciously attempted to have the mortgage company take the house from me for whatever personal interests she has. 

Rocket mortgage has offered me zero help. They keep saying a department they filed an issue with for the company stealing things will contact me and I never hear ANYTHING.

I truly believe money and guns were taken from my fathers house. But oveXXXX XXXX worth of things THAT I KNOW OF have been looted. They started hauling my dads sun room out. Thankfully I showed up the following day and put an end to them taking things. 

Rocket mortgage also tries to tell me its normal to invade someones home after they die. They had not even received his death certificate or ANY paperwork from me. They took the word of the malicious neighborXXXX XXXX.

All of this hassle has cost me a lot of extra trips to Mississippi, the house now needs remedial work for mold. I had to throw away about XXXX  of my dads belongings from the flooding. me and my wife have lost all our vacation days trying to handle this. 

Thank you for your time and any help you can give me.

Company response to consumer: Closed with explanation