Consumer complaint received 2026-03-04 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: NJ

Complaint narrative:
This is my letter to the Mortgage company, which should describe the situation. Ill omit the loan number and personal information. : Rocket Mortgage Account Resolution Team XXXX XXXX XXXX XXXX, MI XXXX Loan Number : XXXX Borrower : XXXX Property Address : XXXX Subject : Formal Appeal Mortgage Assistance Denial Dear Account Resolution Team, I am writing to formally appeal the decision denying my mortgage assistance request referenced in your XX/XX/year> close-out letter. The denial reason stated that my hardship was not imminent. However, the current circumstances surrounding my loan clearly demonstrate that a legitimate financial hardship exists. Over the past year, my household experienced financial strain due to operational and management issues within a business I own. As the owner of a restaurant business operating through an XXXX, I personally stepped in to correct these issues and stabilize the business after experiencing a period of reduced revenue. While the business is now improving, the temporary income disruption significantly impacted my ability to maintain mortgage payments. Additionally, a major factor contributing to the hardship was an unexpected increase in my mortgage payment caused by property tax escrow adjustments. My original mortgage payment was approximately {$1000.00} per month. However, after the mortgage servicer paid delinquent property taxes and added them to the loan servicing account, my monthly obligation increased to approximately {$2900.00} per month. This nearly tripled payment created a sudden and substantial financial burden that was not foreseeable. I would also like to address the sequence of events related to the previously approved payment deferral program. On XX/XX/year>, Rocket Mortgage approved my loan for a XXXX XXXX XXXX, which deferred {$9000.00} in past-due amounts and established a new monthly payment of {$1700.00} beginning XX/XX/year>. This approval was issued following a full loss-mitigation review. However, on XX/XX/year>, I received a close-out letter stating that the deferral program was withdrawn due to payments not being received timely. This withdrawal occurred before the XX/XX/XXXX payment start date of the approved plan, meaning I was not provided a reasonable opportunity to perform under the approved agreement. Given that the plan was revoked prior to the first scheduled payment, I respectfully request that Rocket Mortgage review whether the withdrawal of this approved loss mitigation program was premature. My intention throughout this process has been to work cooperatively with Rocket Mortgage to resolve this delinquency and stabilize the loan. I remain committed to maintaining the property and fulfilling my mortgage obligations. At this time, I respectfully request that my file be reconsidered for the following loss mitigation options : Reinstatement of the previously approved payment deferral program A temporary hardship assistance plan A loan modification or term extension that would reduce the monthly payment to a sustainable level My current income outside of the rental property is approximately {$7500.00} per month, and with an adjusted payment structure I am confident that I can maintain the loan moving forward. I sincerely appreciate your reconsideration of my appeal and your assistance in helping me resolve this matter. My goal is to stabilize the loan and avoid foreclosure while continuing to meet my obligations as a borrower. Thank you for your time and review. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation