ROCKET MORTGAGE, LLC - Florida Company Profile

Company Details

Entity Name:	ROCKET MORTGAGE, LLC
Jurisdiction:	FLORIDA
Filing Type:	Foreign Limited Liability Co.
Status:	Active The business entity is active. This status indicates that the business is currently operating and compliant with state regulations, suggesting a lower risk profile for lenders and potentially better creditworthiness.
Date Filed:	15 Apr 2020 (5 years ago)
Last Event:	LC NAME CHANGE
Event Date Filed:	04 Aug 2021 (4 years ago)
Document Number:	M20000003726
FEI/EIN Number	382603955 Federal Employer Identification (FEI) Number assigned by the IRS.
Address:	1050 WOODWARD AVENUE, DETROIT, MI, 48226, US
Mail Address:	1050 WOODWARD AVENUE, DETROIT, MI, 48226, US
Place of Formation:	MICHIGAN

Key Officers & Management

Name	Role	Address
CT CORPORATION SYSTEM	Agent	1200 SOUTH PINE ISLAND ROAD, PLANTATION, FL, 33324
EMERSON BILL	Manager	1050 WOODWARD AVENUE, DETROIT, MI, 48226
GILBERT DANIEL	Manager	1050 WOODWARD AVENUE, DETROIT, MI, 48226
RIZIK MATT	Manager	1050 WOODWARD AVENUE, DETROIT, MI, 48226
RKT HOLDINGS, LLC	Member	-

Fictitious Names

Registration Number	Fictitious Name	Status	Filed Date	Expiration Date	Cancellation Date	Mailing Address
G22000120160	ROCKET	ACTIVE	2022-09-22	2027-12-31	-	1050 WOODWARD AVENUE, DETROIT, MI, 48226
G20000130159	ROCKET PRO TPO	ACTIVE	2020-10-06	2025-12-31	-	1050 WOODWARD AVENUE, DETROIT, MI, 48226
G20000130160	ROCKET PRO ORIGINATE	ACTIVE	2020-10-06	2025-12-31	-	1050 WOODWARD AVENUE, DETROIT, MI, 48226
G20000130162	ROCKET PRO ORIGINATION	ACTIVE	2020-10-06	2025-12-31	-	1050 WOODWARD AVENUE, DETROIT, MI, 48226
G20000130163	ROCKET PRO THIRD-PARTY ORIGINATION	ACTIVE	2020-10-06	2025-12-31	-	1050 WOODWARD AVENUE, DETROIT, MI, 48226
G20000044139	QLMS	ACTIVE	2020-04-22	2025-12-31	-	1050 WOODWARD AVE, DETROIT, MI, 48266
G20000044140	QUICKEN LOANS MORTGAGE SERVICES	ACTIVE	2020-04-22	2025-12-31	-	1050 WOODWARD AVE, DETROIT, MI, 48266
G20000044135	LIFE ROCKET	ACTIVE	2020-04-22	2025-12-31	-	1050 WOODWARD AVE, DETROIT, MI, 48266
G20000044144	ROCKET PROFESSIONAL	ACTIVE	2020-04-22	2025-12-31	-	1050 WOODWARD AVE, DETROIT, MI, 48266
G20000044143	ROCKET PRO	ACTIVE	2020-04-22	2025-12-31	-	1050 WOODWARD AVE, DETROIT, MI, 48266
G20000044131	QUICKEN LOANS	ACTIVE	2020-04-22	2025-12-31	-	1050 WOODWARD AVE, DETROIT, MI, 48266
G20000044134	ROCKET HQ	ACTIVE	2020-04-22	2025-12-31	-	1050 WOODWARD AVE, DETROIT, MI, 48266
G20000044136	ROCKET LIFE	ACTIVE	2020-04-22	2025-12-31	-	1050 WOODWARD AVE, DETROIT, MI, 48266
G20000044138	ROCKET MORTGAGE	ACTIVE	2020-04-22	2025-12-31	-	1050 WOODWARD AVE, DETROIT, MI, 48266

Events

Event Type	Filed Date	Value	Description
LC NAME CHANGE	2021-08-04	ROCKET MORTGAGE, LLC	-

Court Cases

Title

Case Number

Docket Date

Status

ALEXANDER ANKUDINOV and VERA KOKURINA, Appellant(s) v. ROCKET MORTGAGE LLC f/k/a QUICKEN LOANS, LLC, Appellee(s).

4D2024-2392

2024-09-18

Open

Classification	NOA Final - Circuit Civil - Other
Court	4th District Court of Appeal
Originating Court	Circuit Court for the Fifteenth Judicial Circuit, Palm Beach County 502022CA002226

Parties

Name	Alexander Ankudinov
Role	Appellant
Status	Active

Name	Vera Kokurina
Role	Appellant
Status	Active

Name	ROCKET MORTGAGE, LLC
Role	Appellee
Status	Active
Representations	Michael W Smith

Name	Hon. Bradley G. Harper
Role	Judge/Judicial Officer
Status	Active

Name	Palm Beach Clerk
Role	Lower Tribunal Clerk
Status	Active

Docket Entries

Docket Date	2024-10-24
Type	Order
Subtype	Order on Motion for Extension of Time to File Response
Description	ORDERED that Appellee's October 15, 2024 motion for extension of time is granted, and the response filed October 22, 2024 is deemed timely filed.
View	View File

Docket Date	2024-10-22
Type	Misc. Events
Subtype	Determination of Indigency/LT Order Insolvency
Description	Determination of Indigency/LT Order Insolvency
On Behalf Of	Palm Beach Clerk

Docket Date	2024-10-22
Type	Response
Subtype	Reply
Description	Reply to Response to Order to Show Cause

Docket Date	2024-10-15
Type	Motions Extensions
Subtype	Motion Extension of Time To Reply To Response
Description	Motion Extension of Time To File Response To Jurisdictional Brief

Docket Date	2024-10-04
Type	Response
Subtype	Response
Description	RESPONSE TO ORDER REQUIRING PAYMENT OF FILING FEE OR PROOF OF INDIGENT STATUS

Docket Date	2024-09-30
Type	Brief
Subtype	Jurisdictional Brief
Description	Jurisdictional Brief
View	View File

Docket Date	2024-09-23
Type	Notice
Subtype	Amended Notice of Appeal
Description	Amended Notice of Appeal
On Behalf Of	Palm Beach Clerk

Docket Date	2024-09-20
Type	Order
Subtype	Order to File Response re Jurisdiction
Description	ORDERED that, within ten (10) days from the date of this order, Appellant shall file in this court a brief statement explaining the basis for this court's subject matter jurisdiction over the order appealed in this case, citing supporting legal authorities. Appellant shall specifically address [how the August 16, 2024 "Order Denying Motion to Reconsider" is timely appealed, as the Notice of Appeal was not filed until September 16, 2024, more than thirty (30) days thereafter. See Fla. R. App. P. 9.130(b). Further, address, if the appeal is timely, how the order is appealable, as orders denying motions for rehearing/reconsideration are not independently appealable. Nationwide Ins. Co. v. Forrest, 682 So.2d 672 (Fla. 4th DCA 1996); further, Appellee may file a response within ten (10) days of service of that statement.
View	View File

Docket Date	2024-09-18
Type	Letter
Subtype	Acknowledgment Letter
Description	Acknowledgment Letter
View	View File

Docket Date	2024-09-18
Type	Notice
Subtype	Notice of Appeal
Description	Notice of Appeal

Docket Date	2024-12-30
Type	Order
Subtype	Order on Motion for Extension of Time to Serve Answer Brief
Description	ORDERED that Appellee's December 26, 2024 motion for extension of time is granted, and Appellee shall serve the answer brief on or before January 6, 2025. In addition, Appellee is notified that the failure to serve the brief within the time provided herein may foreclose Appellee's right to file a brief or otherwise participate in this appeal.
View	View File

Docket Date	2024-12-26
Type	Motions Extensions
Subtype	Motion for Extension of Time to Serve Answer Brief
Description	Motion for Extension of Time to Serve Answer Brief

Docket Date	2024-11-25
Type	Record
Subtype	Appendix to Initial Brief
Description	Appendix to Initial Brief
On Behalf Of	Alexander Ankudinov

Docket Date	2024-11-23
Type	Brief
Subtype	Initial Brief
Description	Initial Brief
On Behalf Of	Alexander Ankudinov
View	View File

Docket Date	2024-11-08
Type	Order
Subtype	Proceed per 9.130(a)(5)
Description	ORDERED that, upon consideration of the September 30, 2024 jurisdictional brief and the October 22, 2024 response, the court determines that this appeal seeks review of an order entered on an authorized and timely motion for relief from judgment, which is reviewable by the method prescribed by Florida Rule of Appellate Procedure 9.130. Fla. R. App. P. 9.130(a)(5). Appellants shall serve an initial brief and an accompanying appendix within fifteen (15) days from the date of this order. See Fla. R. App. P. 9.130(e), 9.220. The clerk of the lower tribunal shall not transmit a record on appeal unless ordered by this court.
View	View File

Docket Date	2024-09-25
Type	Order
Subtype	Order on Filing Fee
Description	The jurisdiction of this court was invoked by filing of a Notice of Appeal in the lower tribunal. The $300.00 filing fee required by the applicable rule of procedure and Section 35.22(2)(a), Florida Statutes (2024), is due and payable REGARDLESS OF WHETHER THE APPEAL IS LATER DISMISSED VOLUNTARILY OR ADVERSELY. ORDERED, Appellant shall pay the $300.00 filing fee or file the lower tribunal clerk's determination of indigent status in this court within ten (10) days from the date of the entry of this order. The fee may be paid electronically through the Florida Courts E-Filing Portal - see the court's website for details. Failure to comply within the time prescribed will result in dismissal of this cause and may result in the court sanctioning of any party, or the party's attorney, who has not paid the filing fee. If Appellant has already been found indigent for purposes of proceedings in the lower tribunal, in this case, Appellant shall file a copy of that order in this court. If Appellant does not have an order or a determination of indigent status and believes that he or she is insolvent, Appellant shall complete the enclosed application and mail to the clerk of the lower tribunal within fifteen (15) days from the date of this order. A Notice of Compliance that you have applied for indigent status, must also be filed with this court. The clerk of the lower tribunal shall forward the Clerk's Determination to this court within ten (10) days of receipt. Failure of Appellant to comply with this order will result in the dismissal of this appeal. **NOTE: This order does not toll the time for filing any pleadings necessary to prosecute this appeal and no extensions of time will be entertained. Once the fee is paid, it is not refundable. Except for dismissal, this court will take no action in this appeal until the filing fee is paid or until a lower tribunal clerk's determination of indigent status is filed.
View	View File

Joshua Andrew Contreras, Appellant(s) v. Rocket Mortgage, LLC f/k/a Quicken Loans, LLC, Appellee(s).

1D2023-2250

2023-09-01

Closed

Classification	NOA Final - Circuit Civil - Foreclosure
Court	1st District Court of Appeal
Originating Court	Circuit Court for the Fourteenth Judicial Circuit, Bay County 22001266CA

Parties

Name	Joshua Andrew Contreras
Role	Appellant
Status	Active

Name	ROCKET MORTGAGE, LLC
Role	Appellee
Status	Active

Name	Quicken Loans, LLC
Role	Appellee
Status	Active

Name	Bay Clerk
Role	Lower Tribunal Clerk
Status	Active

Docket Entries

Docket Date	2023-12-07
Type	Motions Other
Subtype	Miscellaneous Motion
Description	Miscellaneous Motion - Motion For Discovery (1/5/24 letter)
On Behalf Of	Joshua Andrew Contreras

Docket Date	2023-12-05
Type	Order
Subtype	Order on Motion for Reinstatement
Description	Order on Motion for Reinstatement
View	View File

Docket Date	2023-10-13
Type	Notice
Subtype	Amended Notice of Appeal
Description	Amended Notice of Appeal
On Behalf Of	Joshua Andrew Contreras

Docket Date	2023-10-13
Type	Motions Other
Subtype	Motion To Stay
Description	Motion To Stay
On Behalf Of	Joshua Andrew Contreras

Docket Date	2023-10-13
Type	Post-Disposition Motions
Subtype	Motion For Reinstatement
Description	Motion For Reinstatement
On Behalf Of	Joshua Andrew Contreras

Docket Date	2023-10-13
Type	Misc. Events
Subtype	Docketing Statement
Description	Docketing Statement
On Behalf Of	Joshua Andrew Contreras

Docket Date	2023-10-10
Type	Disposition by Order
Subtype	Dismissed
Description	Dismissed/no order appealed, no amended noa/cert. serv.
View	View File

Docket Date	2023-09-07
Type	Misc. Events
Subtype	Determination of Indigency/LT Order Insolvency
Description	Determination of Indigency/LT Order Insolvency certified
On Behalf Of	Bay Clerk

Docket Date	2023-09-06
Type	Order
Subtype	Amended/Additional Filing(s) Needed
Description	File order appealed
View	View File

Docket Date	2023-09-06
Type	Letter
Subtype	Acknowledgment Letter
Description	Acknowledgment Letter
View	View File

Docket Date	2023-09-01
Type	Misc. Events
Subtype	Certificate
Description	Certificate of indigency
On Behalf Of	Bay Clerk

Docket Date	2023-09-01
Type	Notice
Subtype	Notice of Appeal Transmittal Form
Description	Notice of Appeal Transmittal Form
On Behalf Of	Joshua Andrew Contreras

ROCKET MORTGAGE LLC VS STONYBROOK A GOLF COURSE ASSOCIATION OF FORT MYERS, LLC

6D2023-2692

2023-05-22

Closed

Classification	NOA Non Final - County Civil - Other
Court	6th District Court of Appeal
Originating Court	County Court for the Twentieth Judicial Circuit, Lee County 22-CC-001363

Parties

Name	ROCKET MORTGAGE, LLC
Role	Appellant
Status	Active
Representations	DREW P. O'MALLEY, ESQ., J. Kirby McDonough

Name	STONYBROOK A GOLF COURSE ASSOCIATION OF FORT MYERS, LLC
Role	Appellee
Status	Active
Representations	JALINE FENWICK, ESQ., BRANDI WILSON, ESQ., GREGORY BRYL, ESQ,

Name	HONORABLE NICOLE LYNN MIRRA
Role	Judge/Judicial Officer
Status	Active

Name	KEVIN KARNES, CLERK
Role	Lower Tribunal Clerk
Status	Active

Docket Entries

Docket Date	2023-07-14
Type	Notice
Subtype	Notice of Agreed Extension of Time
Description	Stipulation for Extension of Time ~ NOTICE OF AGREED EXTENSION OF TIME//21 - IB DUE 8/4/23
On Behalf Of	ROCKET MORTGAGE LLC

Docket Date	2023-06-13
Type	Notice
Subtype	Notice of Agreed Extension of Time
Description	Stipulation for Extension of Time ~ NOTICE OF AGREED EXTENSION OF TIME//30 - IB DUE 7/14/23
On Behalf Of	ROCKET MORTGAGE LLC

Docket Date	2023-06-01
Type	Misc. Events
Subtype	Case Filing Fee Paid through Portal
Description	Case Filing Fee Paid through Portal
On Behalf Of	ROCKET MORTGAGE LLC

Docket Date	2023-05-30
Type	Letter
Subtype	Acknowledgment Letter
Description	Acknowledgment Letter 1

Docket Date	2023-05-30
Type	Order
Subtype	Nonfinal Appeals
Description	nonfinal appeal order for initial brief

Docket Date	2023-05-22
Type	Notice
Subtype	Notice of Appeal
Description	Notice of Appeal Filed ~ WITH ORDER
On Behalf Of	ROCKET MORTGAGE LLC

Docket Date	2023-05-22
Type	Misc. Events
Subtype	Fee Status
Description	FP:Fee Paid Through Portal

Docket Date	2023-11-30
Type	Mandate
Subtype	Mandate
Description	Mandate

Docket Date	2023-11-30
Type	Misc. Events
Subtype	West Publishing
Description	West Publishing

Docket Date	2023-11-08
Type	Disposition by Order
Subtype	Dismissed
Description	ORDER GRANTING VOLUNTARY DISMISSAL ~ Pursuant to the joint stipulation of dismissal filed November 2, 2023, this appeal is dismissed.

Docket Date	2023-11-08
Type	Disposition
Subtype	Dismissed
Description	Dismissed - Order by Clerk

Docket Date	2023-11-02
Type	Motions Other
Subtype	Motion/Notice Voluntary Dismissal
Description	Notice of Voluntary Dismissal ~ JOINT STIPULATION OF DISMISSAL
On Behalf Of	ROCKET MORTGAGE LLC

Docket Date	2023-08-29
Type	Notice
Subtype	Notice
Description	Notice ~ NOTICE OF SETTLEMENT
On Behalf Of	ROCKET MORTGAGE LLC

Docket Date	2023-08-21
Type	Order
Subtype	Order on Motion to Relinquish Jurisdiction
Description	ORDER GRANTING RELINQUISH JURISDICTION ~ The motion to relinquish jurisdiction is granted. Jurisdiction is relinquished for thirty days from the date of this order in order for appellant to obtain a ruling on the motion for reconsideration pending in the lower tribunal. Within thirty days from the date of this order, appellant shall file a status report to indicate if this appeal is ready to proceed.

Docket Date	2023-08-03
Type	Motions Other
Subtype	Motion To Relinquish Jurisdiction
Description	Motion To Relinquish Jurisdiction ~ MOTION TO RELINQUISH JURISDICTION
On Behalf Of	ROCKET MORTGAGE LLC

VPROVISIONS AS TRUSTEE FOR THE V PRO LAND TRUST DATED 1-26-2017 VS QUICKEN LOANS, INC. F/K/A QUICKEN LOANS, LLC F/K/A ROCKET MORTGAGE, LLC, ROBERT M. ANDERSON A/K/A ROBERT H. ANDERSON, AMY E. ANDERSON, BRIAN BARKER, AND ARBOR LAKES CONDOMINIUM ASSOCIATION, INC.

5D2023-1237

2023-03-23

Closed

Classification	NOA Final - Circuit Civil - Foreclosure
Court	5th District Court of Appeal
Originating Court	Circuit Court for the Eighteenth Judicial Circuit, Seminole County 2017-CA-000555

Parties

Name	V Pro Land Trust Dated 1-26-2017
Role	Appellant
Status	Active

Name	VProvisions
Role	Appellant
Status	Active
Representations	Rafael F. Garcia

Name	QUICKEN LOANS INC.
Role	Appellee
Status	Active
Representations	Mark W. Hernandez, Megan Gisclar Colter, Howell Webster Melton, III, Thomas A. Valdez

Name	ROCKET MORTGAGE, LLC
Role	Appellee
Status	Active

Name	Derek Mattson
Role	Appellee
Status	Active

Name	ARBOR LAKES CONDOMINIUM ASSOCIATION, INC.
Role	Appellee
Status	Active

Name	Robert M. Anderson
Role	Appellee
Status	Active

Name	Amy E. Anderson
Role	Appellee
Status	Active

Name	Brian Barker
Role	Appellee
Status	Active

Name	Melissa Barker
Role	Appellee
Status	Active

Name	Quicken Loans, LLC
Role	Appellee
Status	Active

Name	Hon. Nancy F. Alley
Role	Judge/Judicial Officer
Status	Active

Name	Clerk Seminole
Role	Lower Tribunal Clerk
Status	Active

Docket Entries

Docket Date	2023-05-03
Type	Mandate
Subtype	Notice Memorandum
Description	Notice Memorandum

Docket Date	2023-05-03
Type	Record
Subtype	Returned Records
Description	Returned Records ~ NO RECORD EFILED

Docket Date	2023-04-13
Type	Disposition
Subtype	Dismissed
Description	Dismissed - Order by Clerk

Docket Date	2023-04-13
Type	Disposition by Order
Subtype	Dismissed
Description	Dism. Filing Fee ~ NO RESPONSE TO THIS COURT'S 4/10 ORDER REQUIRED

Docket Date	2023-04-10
Type	Order
Subtype	Order to Show Cause
Description	Order - Show Cause for failure to file amended NOA ~ AA W/IN 10 DYS

Docket Date	2023-03-30
Type	Notice
Subtype	Notice of Appearance
Description	Notice of Appearance
On Behalf Of	Quicken Loans, Inc.

Docket Date	2023-03-24
Type	Order
Subtype	Amended/Additional Filing(s) Needed
Description	ORD-AA to File Amended NOA ~ AA W/IN 10 DYS

Docket Date	2023-03-23
Type	Misc. Events
Subtype	Fee Status
Description	DM:No Fee - Case Dismissed

Docket Date	2023-03-23
Type	Letter
Subtype	Acknowledgment Letter
Description	Acknowledgement Letter 1

Docket Date	2023-03-23
Type	Notice
Subtype	Notice of Appeal
Description	Notice of Appeal Filed ~ FILED BELOW 3/22/2023
On Behalf Of	VProvisions

Docket Date	2023-03-23
Type	Order
Subtype	Order on Filing Fee
Description	Order to pay filing fee - Civil appeal (300)

SHEPARD LAND TRUST, Appellant(s) v. ROCKET MORTGAGE LLC f/k/a QUICKEN LOANS INC., et al. , Appellee(s).

4D2023-0432

2023-02-17

Closed

Classification	NOA Final - Circuit Civil - Foreclosure
Court	4th District Court of Appeal
Originating Court	Circuit Court for the Fifteenth Judicial Circuit, Palm Beach County 502019CA006028

Parties

Name	FORECLOSURE, INC.
Role	Appellant
Status	Active

Name	Shepard Land Trust
Role	Appellant
Status	Active
Representations	James Randal Ackley

Name	SOCIETY HILL HOMEOWNERS ASSOCIATION, INC.
Role	Appellee
Status	Active

Name	CANNONGATE PROPERTY OWNER'S ASSOCIATION,INC
Role	Appellee
Status	Active

Name	Monica Martinez
Role	Appellee
Status	Active

Name	ROCKET MORTGAGE, LLC
Role	Appellee
Status	Active
Representations	Candace Solis, LOGS Legal Group LLP, Ileen Jill Cantor, Scott A Stoloff

Name	Stephan Thompson
Role	Appellee
Status	Active

Name	Nadine Thompson
Role	Appellee
Status	Active

Name	DAVID HERNANDEZ CORPORATION
Role	Appellee
Status	Active

Name	QUICKEN LOANS INC.
Role	Appellee
Status	Active

Name	Richard Lee Oftedal
Role	Judge/Judicial Officer
Status	Active

Name	Clerk - Palm Beach
Role	Lower Tribunal Clerk
Status	Active

Docket Entries

Docket Date	2024-01-12
Type	Misc. Events
Subtype	West Publishing
Description	West Publishing

Docket Date	2024-01-12
Type	Mandate
Subtype	Mandate
Description	Mandate
View	View File

Docket Date	2023-12-21
Type	Disposition by Opinion
Subtype	Affirmed
Description	Affirmed
View	View File

Docket Date	2023-10-17
Type	Order
Subtype	Order on Motion/Request for Oral Argument
Description	Order on Motion/Request for Oral Argument
View	View File

Docket Date	2023-09-06
Type	Brief
Subtype	Reply Brief
Description	Appellant's Reply Brief
On Behalf Of	Shepard Land Trust

Docket Date	2023-09-06
Type	Motions Relating to Oral Argument
Subtype	Motion/Request for Oral Argument
Description	Request for Oral Argument
On Behalf Of	Shepard Land Trust

Docket Date	2023-08-14
Type	Brief
Subtype	Answer Brief
Description	Appellee's Answer Brief
On Behalf Of	Rocket Mortgage LLC

Docket Date	2023-06-26
Type	Notice
Subtype	Notice of Agreed Extension of Time - Answer Brief
Description	Notice of Agreed Extension - Answer Brief
On Behalf Of	Rocket Mortgage LLC

Docket Date	2023-06-26
Type	Order
Subtype	Order on Agreed Extension of Time
Description	Recognizing Agreed Extension of Time ~ 45 DAYS TO 08/14/2023

Docket Date	2023-05-31
Type	Brief
Subtype	Initial Brief
Description	Initial Brief on Merits
On Behalf Of	Shepard Land Trust

Docket Date	2023-05-04
Type	Notice
Subtype	Notice of Appearance
Description	Notice of Appearance
On Behalf Of	Rocket Mortgage LLC

Docket Date	2023-05-02
Type	Record
Subtype	Record on Appeal Confidential
Description	Confidential Records ~ 41 PAGES
On Behalf Of	Clerk - Palm Beach

Docket Date	2023-02-17
Type	Notice
Subtype	Notice of Appeal
Description	Notice of Appeal Filed ~ Filing Fee Paid Through Portal
On Behalf Of	Shepard Land Trust

Docket Date	2023-04-27
Type	Order
Subtype	Order on Motion for Extension of Time to Serve Initial Brief
Description	Order Granting EOT for Initial Brief ~ ORDERED that appellant’s April 27, 2023 motion for extension of time is granted, and appellant shall serve the initial brief within thirty (30) days from the current due date. In addition, if the initial brief is not served within the time provided for in this order, the above-styled case may be subject to dismissal or the court in its discretion may impose other sanctions.

Docket Date	2023-04-27
Type	Motions Extensions
Subtype	Motion for Extension of Time to Serve Initial Brief
Description	Mot. for Extension of time to file Initial Brief
On Behalf Of	Shepard Land Trust

Docket Date	2023-04-26
Type	Notice
Subtype	Notice of Inability
Description	Notice of non-payment for record
On Behalf Of	Clerk - Palm Beach

Docket Date	2023-02-21
Type	Notice
Subtype	Notice of Appeal
Description	Notice of Appeal Filed ~ *Certified Copy

Docket Date	2023-02-20
Type	Letter
Subtype	Acknowledgment Letter
Description	Acknowledgment Letter

Docket Date	2023-02-17
Type	Misc. Events
Subtype	Case Filing Fee Paid through Portal
Description	Case Filing Fee Paid Through Portal

Documents

Name	Date
ANNUAL REPORT	2024-04-09
AMENDED ANNUAL REPORT	2023-11-29
AMENDED ANNUAL REPORT	2023-11-21
ANNUAL REPORT	2023-02-23
ANNUAL REPORT	2022-04-07
LC Name Change	2021-08-04
ANNUAL REPORT	2021-03-10
Foreign Limited	2020-04-15

CFPB Complaint

Complaint Id

Date Received

Issue

Product

11783727

2025-01-27

Improper use of your report

Credit reporting or other personal consumer reports

Issue	Improper use of your report
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Credit reporting or other personal consumer reports
Sub Issue	Credit inquiries on your report that you don't recognize
Sub Product	Credit reporting
Date Received	2025-01-27
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2025-01-27

11637363

2025-01-18

Improper use of your report

Credit reporting or other personal consumer reports

Issue	Improper use of your report
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Credit reporting or other personal consumer reports
Sub Issue	Credit inquiries on your report that you don't recognize
Sub Product	Credit reporting
Date Received	2025-01-18
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2025-01-18

11521758

2025-01-14

Incorrect information on your report

Credit reporting or other personal consumer reports

Issue	Incorrect information on your report
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Credit reporting or other personal consumer reports
Sub Issue	Account information incorrect
Sub Product	Credit reporting
Date Received	2025-01-14
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2025-01-15

11635596

2025-01-18

Struggling to pay mortgage

Mortgage

Issue	Struggling to pay mortgage
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Mortgage
Sub Issue	Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Sub Product	Conventional home mortgage
Date Received	2025-01-18
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2025-01-18

2220490

2016-11-23

Application, originator, mortgage broker

Mortgage

Tags	Older American
Issue	Application, originator, mortgage broker
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Mortgage
Sub Product	Conventional fixed mortgage
Date Received	2016-11-23
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	Yes
Date Sent To Company	2016-11-23
Complaint What Happened	XX/XX/2016 I called Quicken Loans looking for general info re : a refinance. I later learned of a " Hard Pull '' having been performed on my credit that resulted in a XXXX pt. loss to my score. I immediately called back and complained about the loss and was told I gave permission for the " pull '' which I contested then as I do now even after hearing the conversation as it was recorded originally. QL escalated my complaint and researched the call and did call me back with their results. As I explained to them all I want is to be made whole and a cursory inquiry as to what refinance options they may have had available should not have cost me those XXXX points. I covet each and every point of my score and at no time did I make application for QL to proceed with an offer to refinance my mortgage. In the recorded conversation QL played back to me and used to authenticate my acquiescence to the credit pull, I disagree with their conclusion that the recorded phone call indicates I authorized the pull. Thank You XXXX XXXX XXXX
Consumer Consent Provided	Consent provided

11952771

2025-02-05

Applying for a mortgage or refinancing an existing mortgage

Mortgage

Tags	Older American, Servicemember
Issue	Applying for a mortgage or refinancing an existing mortgage
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Mortgage
Sub Issue	Changes in loan terms during the application process
Sub Product	VA mortgage
Date Received	2025-02-05
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2025-02-05

11786570

2025-01-27

Incorrect information on your report

Credit reporting or other personal consumer reports

Issue	Incorrect information on your report
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Credit reporting or other personal consumer reports
Sub Issue	Account information incorrect
Sub Product	Credit reporting
Date Received	2025-01-27
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2025-01-27

11327392

2024-12-30

Trouble during payment process

Mortgage

Tags	Servicemember
Issue	Trouble during payment process
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Mortgage
Sub Issue	Escrow, taxes, or insurance
Sub Product	VA mortgage
Date Received	2024-12-30
Submitted Via	Web
Company Response	In progress
Consumer Disputed	N/A
Date Sent To Company	2024-12-30

11081343

2024-12-10

Applying for a mortgage or refinancing an existing mortgage

Mortgage

Issue	Applying for a mortgage or refinancing an existing mortgage
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Mortgage
Sub Issue	Application denials
Sub Product	Conventional home mortgage
Date Received	2024-12-10
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2024-12-10
Consumer Consent Provided	Consent not provided

11301549

2024-12-27

Trouble during payment process

Mortgage

Tags	Older American
Issue	Trouble during payment process
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Mortgage
Sub Issue	Escrow, taxes, or insurance
Sub Product	FHA mortgage
Date Received	2024-12-27
Submitted Via	Web
Company Response	In progress
Consumer Disputed	N/A
Date Sent To Company	2024-12-27

8203514

2024-01-22

Trouble during payment process

Mortgage

Issue	Trouble during payment process
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Mortgage
Sub Issue	Trying to communicate with the company to fix an issue while managing or servicing your loan
Sub Product	Conventional home mortgage
Date Received	2024-01-22
Submitted Via	Phone
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2024-01-22
Consumer Consent Provided	N/A

10557646

2024-10-23

Trouble during payment process

Mortgage

Issue	Trouble during payment process
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Mortgage
Sub Issue	Payment process
Sub Product	Conventional home mortgage
Date Received	2024-10-23
Submitted Via	Phone
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2024-10-23
Consumer Consent Provided	N/A

11448871

2025-01-09

Applying for a mortgage or refinancing an existing mortgage

Mortgage

Tags	Servicemember
Issue	Applying for a mortgage or refinancing an existing mortgage
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Mortgage
Sub Issue	Trying to communicate with the company to fix an issue with the application process
Sub Product	VA mortgage
Date Received	2025-01-09
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2025-01-09

11164266

2024-12-16

Attempts to collect debt not owed

Debt collection

Issue	Attempts to collect debt not owed
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Debt collection
Sub Issue	Debt was result of identity theft
Sub Product	Mortgage debt
Date Received	2024-12-16
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2024-12-16

11343020

2025-01-01

Didn't provide services promised

Debt or credit management

Issue	Didn't provide services promised
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Debt or credit management
Sub Product	Mortgage modification or foreclosure avoidance
Date Received	2025-01-01
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2025-01-01

10490800

2024-10-17

Trouble during payment process

Mortgage

Issue	Trouble during payment process
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Mortgage
Sub Issue	Escrow, taxes, or insurance
Sub Product	Conventional home mortgage
Date Received	2024-10-17
Submitted Via	Phone
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2024-10-17
Consumer Consent Provided	N/A

10565131

2024-10-24

Applying for a mortgage or refinancing an existing mortgage

Mortgage

Tags	Servicemember
Issue	Applying for a mortgage or refinancing an existing mortgage
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Mortgage
Sub Issue	Confusing or misleading advertising or marketing
Sub Product	VA mortgage
Date Received	2024-10-24
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2024-10-24
Complaint What Happened	XXXX XXXX, an agent of Rocket Mortgage informed me that if I choose Rocket Mortgage, they offer interest rate reduction when the Federal Interest rate decrease. He never ever told me that I cant do it until after 6 months of having the loan. Once again, this is another Mortgage Co telling me misinformed information. And XXXX XXXX told me that this is not refinancing under the VA streamline program if I request a lower interest rate reduction based on the VA program. So, later, I requested from Rocket Mortgage to lower my interest rate in the streamline interest rate reduction program now that the interest rate has decreased, and Rocket Mortgage told me that I have to refinance. This is misinformation. And the reason why Rocket Mortgage should have given me this crucial important information is because then I may have not refinanced with Rocket Mortgage or even used their Company. They misled me so that I would agree to refinance my mortgage with them, Rocket Mortgage
Consumer Consent Provided	Consent provided

6655094

2023-03-06

Closing on a mortgage

Mortgage

Tags	Older American, Servicemember
Issue	Closing on a mortgage
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Mortgage
Sub Product	Conventional home mortgage
Date Received	2023-03-06
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2023-03-06
Complaint What Happened	Hello, Our mortgage company Rocket Mortgage has been a problem from day XXXX. That was in XXXX XXXX XXXX they lied about time frame of getting done etc. Now after Hurricane Ian hit they've been awful. Our insurance company was great, we need a new roof ( waiting due to material s ) lanai fixed and new whole house generator. We had lanai fixed and generator .fixed. XXXX continues to hold the funds and will not release our money. they sent someone to take photos then still will not release money. now they sent a letter questioning the integrity ( rating ) of our insurance company which makes no sense! All the while they are holding our money and we are having to pay interest on credit! Absolutely insane.
Consumer Consent Provided	Consent provided

6655102

2023-03-06

Applying for a mortgage or refinancing an existing mortgage

Mortgage

Issue	Applying for a mortgage or refinancing an existing mortgage
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Mortgage
Sub Product	FHA mortgage
Date Received	2023-03-06
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2023-03-06
Complaint What Happened	I applied for a refinance mortgage loan with Rocket Mortgage on XX/XX/XXXX. The mortgage broker XXXX XXXX refused to utilized all my income and W2s due to the amount of time it would take to verify employment. Rocket ended up denying me for unstable income. They did not send me any letter of denial. I then decided to try again with another lender XXXX XXXX. XXXX XXXX approved me for the same refinance home loan. While trying to approve my loan in the FHA system XXXX XXXX was stopped by FHA because Rocket logged unstable income into the FHA system. XXXX XXXX requested that I contact XXXX to have this updated. I called rocket several times and spoke with XXXX XXXX in executive customer care. She also sent me a copy of my denial letter in which I am attaching. She stated they will not remove the rejection and advised I was denied for unstable income. I have been on my main job for over 12 years. I also work several contact job to boost my income and have done so for the past 6 years. I felt Rocket discriminated against me because I did have multiple jobs and did not due their due diligence to get me approved for the FHA Loan. Further more marking in the system that my income is unstable is not true. Based on my W2. my AGI for XXXX was XXXX for XXXX XXXX and XXXX XXXX. Rocket utilized their overlay rules in which they are entitled to do but those rules should not affect FHA Approval. XXXX advised that the new lender would need to resolve the unstable income claim. I requested a detailed letter of the denial reason or if their underwriter can place the reason in the FHA system so my new lender can address and XXXX refused that as well. So here it is I have a denial credit reject in the FHA system with no details. XXXX is refusing to remove the reject, they are also refusing to provide specific details on the reject.
Consumer Consent Provided	Consent provided

7366424

2023-08-09

Applying for a mortgage or refinancing an existing mortgage

Mortgage

Issue	Applying for a mortgage or refinancing an existing mortgage
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Mortgage
Sub Product	FHA mortgage
Date Received	2023-08-09
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2023-08-09
Complaint What Happened	Rocket Mortgage is discriminating against me based on my race XXXX and ethnicity. I gave them my social security number and Im requesting for a line of credit to fairly finance and purchase a home. I want Rocket Mortgage to stop being XXXX to me.
Consumer Consent Provided	Consent provided

8072629

2023-12-28

Struggling to pay mortgage

Mortgage

Tags	Older American
Issue	Struggling to pay mortgage
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Mortgage
Sub Issue	Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Sub Product	FHA mortgage
Date Received	2023-12-28
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2023-12-28
Consumer Consent Provided	Other

1746397

2016-01-19

Application, originator, mortgage broker

Mortgage

Issue	Application, originator, mortgage broker
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Mortgage
Sub Product	Conventional fixed mortgage
Date Received	2016-01-19
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	Yes
Date Sent To Company	2016-01-19
Complaint What Happened	Quicken Loans is horrendous! They waste your time, energy, patience and money! I have lost almost {$1000.00} that can not be recouped. They strung me along for FIVE weeks, when other mortgage companies knew in a few hours if I would qualify for a loan or not. I was passed between XXXX different people/departments during this ridiculous process, because " each person/dept. specializes in a different component ''. Trust me, none of them were that sharp to be wasting resources on XXXX people working on a very small loan! This company is A SCAM!!!
Consumer Consent Provided	Consent provided

5675356

2022-06-15

Applying for a mortgage or refinancing an existing mortgage

Mortgage

Issue	Applying for a mortgage or refinancing an existing mortgage
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Mortgage
Sub Product	FHA mortgage
Date Received	2022-06-15
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2022-06-15
Complaint What Happened	On XX/XX/2022 i received email for promotion give away for complimentary XXXX XXXX XXXX XXXX$800.00} value, if I closed on my purchase with them, I closed with this lender on XX/XX/2022, I have reached out to the client over dozen time via email for the status of my XXXX XXXX XXXX, with no luck in getting what was offered to me upon closing.
Consumer Consent Provided	Consent provided

5636990

2022-06-06

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports

Issue	Improper use of your report
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Credit reporting, credit repair services, or other personal consumer reports
Sub Issue	Reporting company used your report improperly
Sub Product	Credit reporting
Date Received	2022-06-06
Submitted Via	Phone
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2022-06-06
Consumer Consent Provided	N/A

5590672

2022-05-21

Applying for a mortgage or refinancing an existing mortgage

Mortgage

Issue	Applying for a mortgage or refinancing an existing mortgage
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Mortgage
Sub Product	Conventional home mortgage
Date Received	2022-05-21
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2022-05-21
Complaint What Happened	This desperate company on the verge of bankruptcy is attempting to communicate with me from my original communication from over XXXX years ago! No, I am not interested in a mortgage from your company from XXXX years ago! However, this sham company is XXXX calling me numerous times and also via email. Immediately, cease and desist all communications! Remove all communications though e-mail, phone and US Mail. Phone number : XXXX.
Consumer Consent Provided	Consent provided

5259088

2022-02-24

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports

Tags	Older American
Issue	Improper use of your report
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Credit reporting, credit repair services, or other personal consumer reports
Sub Issue	Credit inquiries on your report that you don't recognize
Sub Product	Credit reporting
Date Received	2022-02-24
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2022-02-24
Complaint What Happened	On XX/XX/XXXX I checked my XXXX credit summary and discovered that an unauthorized hard credit hit was made on XX/XX/XXXX by XXXXRocket Mortgage ( XXXX ) ; resulting in a XXXX point credit score reduction on XX/XX/XXXX. That day I placed a call to Rocket Mortgage requesting information on who was responsible for this unauthorized hard credit pull.I was finally connected with XXXX XXXX, XXXX, and explained my concern regarding this unauthorized action.I explained to XXXX that I've had no communications with Rocket Mortgage in the last 12 months and certainly did not authorize any type of credit hit on my account. After requesting an answer to my complaint XXXX asked for more additional time to research this issue, which I approved.Five days later XXXX called to report that after checking his system he could not not find any information pertaining to this issue. After this conversation I filed a formal dispute with XXXX ( XXXX ) explaining that I never requested or approved any hard credit pull on my account and was requesting that my credit score be corrected.On XXXX, I received a follow-up call from XXXX XXXX explaining that a XXXX associated with Rocket Mortgage decided without any communication or approval to pull a hard credit report on my account. XXXX said after a " XXXX minute call '' with this banker, he explained that he pulled my credit file because he thought I might be able to get better rates, again completely unauthorized. As stated earlier without any conversation or authorization this banker pulled my credit report resulting in a XXXX point drop to my credit score, and ultimately causing a total drop of XXXX points.XXXX then added that even though I never talked with or authorized any action to be taken on my account, Rocket Mortgage would not be able to correct this totally fraudulent action taken by this XXXX.XXXX said that Rocket Mortgage would not be able to correct the illegal action and that it will stay on my record for 2 years. The total lack of acknowledging fault and then refusing to correct a problem that they created is totally unacceptable. I have filed complaints with the XXXX, this organization and will be filling additional complaints with FCRA and FTC and possible legal action for illegal actions.
Consumer Consent Provided	Consent provided

4816164

2021-10-16

Trouble during payment process

Mortgage

Issue	Trouble during payment process
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Mortgage
Sub Product	Conventional home mortgage
Date Received	2021-10-16
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2021-10-16
Complaint What Happened	Last year Quicken Loans/Rocket Mortgage over-withheld for my Property Taxes by 78.4 %. When they re-calculated my mortgage payment, they kept the same payment even though the allocation for property taxes were 78.4 % above the actual number. I questioned them by email ... attached. The robotic employees would not give me any satisfaction when I questioned the number ( they hide in their " XXXX XXXX '' ). See attached email This year I just got my property tax bill and it shows that Quicken/Rocket Mortgage once again dramatically over-withheld for my property taxes to the tune of 45.8 %. Now granted that is an improvement, but that by far exceeds the legally allowed excess of two months extra of my escrow which would be $ XXXX x 2= {$1200.00}. The excess is about {$2100.00} or about 68.4 % above the allowable legal excess as I understand it. Granted it is better than last years 146 % in excess of the legal allowable excess ( {$3100.00} excess vs $ XXXX escrow or {$1200.00} for 2 months ). Can you help? This is a blatant violation and I imagine they are doing this to thousands of people!
Consumer Consent Provided	Consent provided

5600612

2022-05-25

Trouble during payment process

Mortgage

Issue	Trouble during payment process
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Mortgage
Sub Product	Conventional home mortgage
Date Received	2022-05-25
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2022-05-25
Complaint What Happened	In XXXX of XXXX we took out a mortgage with Quicken Loans Rocket Mortgage. We paid 25 % so we did not pay PMI and we could pay our property tax and insurance on our own. During Hurricane Irma XXXX my house and the fence around our swimming pool were damaged. The property tax increased and was in process of payment when to our surprise our mortgage lender sent us a notice that the {$1300.00} a month payment would no longer be accepted and we must pay {$25000.00} immediately to cover their forced placed insurance and taxes in advanced for the next two years even though our insurance was paid on time every month it now was to be replaced by a much more expensive policy and prepaid for 2 years because the property tax was late. This caused us to force see our recently purchased house at a significant lose and caused a major impact to our credit report because lender would not accept our payment unless we paid all of the prepaid insurance and taxes. Now our credit report reflects late payments and we can not be approved for a new loan even though we were never late with our mortgage or insurance.
Consumer Consent Provided	Consent provided

7783242

2023-10-31

Trouble during payment process

Mortgage

Tags	Servicemember
Issue	Trouble during payment process
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Mortgage
Sub Issue	Trying to communicate with the company to fix an issue while managing or servicing your loan
Sub Product	VA mortgage
Date Received	2023-10-31
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2023-10-31
Complaint What Happened	XX/XX/XXXX I closed on a home I purchased. XXXX XXXX XXXX XXXX is my lender and banker for my business account. While in the selling process I discovered the buyer was using a VA loan to purchase my prior home I sold to him. Moving forward to XX/XX/XXXX. I received a call from someone wanting to buy the home to add to his investments. I explained it was already sold to a vet buyer. He then explained to me the home was for rent on XXXX and I was the name on the Property Appraiser site. I hung up and looked up the address in XXXX and sure enough its there. Knowing VA loans ( my half brother, step dad, dad, and grandpa ) VA loans require you to live in them. Sure you can rent a room out, but this ad is for the full 3bdrm 2bth house. The price doesn't make sense for that to be a room price either. So I called the VA hotline, gotten a REF : XXXX, and on XX/XX/XXXX, and XXXX I called Rocket Mortgage the lender of the individual whom bought this home. Rocket Mortgage after giving me their sing-a-long song and dance routine I finally got to someone whom promised me a reply in 72 hours. That individual called me and she assured me they would get this taken care of. Well here is the problem. It's not been taken care of. The ad is still listing on XXXX for rent, and I am still getting calls on the property. I am fully aware the individual is supposed to live there and CAN rent other rooms. But this is NOT the case otherwise the 3bdrm 2bth house would list as 1 or 2bdrm for rent. Not the full 3/2, nor at that price point. The neighbors XXXX, XXXX, XXXX and XXXX all confirm no one is living in this home. This neighborhood is an extremely tightly close group of home owners and they all watch out for one another and work to keep squatters out, and communicate with each other. It is a true neighborhood watch community with monthly meetings. The VA user details I can provide as instructions above stipulate not to include in this complaint. Rocket Mortgage still to date hasn't taken care of this issue and the ad is still listed. I DID report the listing today with XXXX as a problem address.
Consumer Consent Provided	Consent provided

5454468

2022-04-16

Applying for a mortgage or refinancing an existing mortgage

Mortgage

Issue	Applying for a mortgage or refinancing an existing mortgage
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Mortgage
Sub Product	Conventional home mortgage
Date Received	2022-04-16
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2022-04-16
Complaint What Happened	On XX/XX/2022 my husband and I began a mortgage refinance application with our incumbent lender, Rocket Mortgage ( Quicken ). Our request was assigned to a XXXX XXXX XXXX, XXXX XXXX, with which we discussed our loan needs in detail. Our expressly stated loan purpose was to refinance with debt consolidation and cash out. That day through an initial phone conversation my husband had with XXXX XXXX, we clarified that the only debts we wanted to consolidate were an unsecured personal loan and our credit card balances. We consented to a credit pull and stated our income as follows : my husbands salary from his employer of over 12 years and my Social Security XXXX XXXX that I will receive for life due my permanently XXXX status. A few hours later, XXXX XXXX called my husband and stated that the only debt consolidation he could make work in addition to the mortgage refinance was to include paying off our auto loan, which we explicitly stated we did not want, and to leave the bulk of our revolving debt unpaid. When we objected to the idea of financing our vehicle for 30 years, XXXX XXXX further clarified that we had to pay off the auto loan to make the deal work. He went on to explain that there could be no cash-out because our estimated Debt-to-Income was high at 49.7 %, causing a rate of 5.375 % and an estimated monthly loan payment of {$2800.00}. The only amount we could request in addition to the refinance of the mortgage was approximately {$100000.00}. We estimated our personal loan and revolving credit balances to be roughly {$82000.00}. We estimated that our Debt-to-Income with the {$2800.00} estimated monthly payment would be roughly 46 %. When we asked XXXX XXXX why we could not use the {$100000.00} to pay off the {$82000.00} in revolving and personal loan debt we had originally requested, he evaded the question, focused on the monthly savings, and insisted my husband sign his version of the application, stating rates could go up tomorrow and that prime was already 4.25 %. My husband reminded XXXX XXXX that a discussion with me would happen prior to him signing any application. XXXX XXXX then jokingly stated he agreed because he had experienced a previous situation where he had to be a marriage XXXX instead of a mortgage XXXX, which we found distasteful given that XXXX XXXX had just been informed that I was previously a mortgage products underwriter, and that he was advocating for a bad deal. My husband requested electronic copies of the proposed loan details to be sent to my email address, and XXXX XXXX verified the accuracy of my email address on file prior to ending the call. We never received this email. I emailed him later that evening requesting his debt-to-income calculations due to the stated discrepancy, asked for confirmation that my SSD income was being considered, and what Rocket Mortgages best rate was since we knew prime was not 4.25 % as he previously stated. ( published rate was 3.5 % at time of inquiry ) Please see first attachment for email. XXXX XXXX did not respond to my email. He did, however, leave a voicemail for my husband on the evening of XX/XX/XXXX. In the message, XXXX XXXX stated he received my email and that he did include my SSD income in the XXXX calculation. He then refocused on the savings realized in his version of application, stating youll still be saving a lot. I know you needed a little bit of the extra cash. XXXX XXXX ended the message with a request to reach out to him if we had additional questions, although, he had already evaded multiple direct questions, verbal and written. We have the voicemail and can provide it upon request. It was clear that XXXX XXXX would not allow us to apply for refinance with debt consolidation of our unsecured personal loan and all revolving credit balances. It was clear that XXXX XXXX inflated our estimated XXXX to potentially force us into a higher rate and monthly payment arousing our suspicion that my SSD income was not being considered. It was clear that XXXX XXXX was arbitrarily requiring the payoff of our auto loan rather than coming to a consensus about our loan needs and our estimated XXXX. On XX/XX/XXXX I filed a complaint with HUD for review. On XX/XX/XXXX, when I checked the Rocket Mortgage online portal, I saw that the loan details were published and available for viewing, despite never having consented to a loan structured that way. It appeared that XXXX XXXX submitted his version of the application on this day, considering a signature for Intent to Proceed was now being requested. The loan details were those that I had requested to be emailed to me for review prior to consenting to proceed. XXXX XXXX never provided the XXXX calculation he relied upon to create those loan details. Later that day I received a phone call and voicemail from XXXX XXXX requesting a call back to discuss my refinance application with Rocket Mortgage Voicemail available upon request. Nearly simultaneously, my husband and I received an email from XXXX XXXX stating that he had been assigned to our profile to help lock in our savings. See second email attachment Roughly 90 minutes later, I responded to XXXX XXXX via email. I explained that I was confused about why XXXX XXXX was no longer assigned to my request, and I inquired about what notes XXXX XXXX provided to XXXX XXXX. See third attachment About an hour later XXXX XXXX XXXX that the file had been escalated to him because they hadnt reached out in a couple of days, that his team is like a safety net, and to confirm that we were looking to take some cash out to consolidate debt. See fourth email attachment At this point, I felt pressure to consent to applying for a bad deal that did not meet our stated needs and could potentially cause us financial harm. The loan details contained the credit reports that Rocket Mortgage obtained on our behalf. The reports showed that our joint credit fell into the Excellent category, and the only remarks stated that our revolving credit card balances were too high. This supported our original intent to consolidate our debts in order to protect our creditworthiness. *See fifth email attachment. XXXX XXXX was advising us to apply for a loan that would allow the bulk of these revolving debts to remain unresolved, therefore generating loan pricing and residual debt that would undoubtedly cause us financial harm in the long term. Its clear that his actions to insist upon a more expensive loan structure that not only imposed an abusive rate and excessively reduced the equity that we intended to utilize to maintain our creditworthiness, his aggressive tactics by not offering to lock the rate that he said was good, threats that rates could go up any minute, and his deception regarding the published prime rate are clearly predatory lending practices. We did not consent to apply for these terms. However, the loan details that were made available on XX/XX/XXXX suggest that XXXX XXXX submitted an application structured in a way he was aware we did not and would not consent to. After consideration of the facts, we decided to stop responding to outreach from Rocket Mortgage. Through applying with a different lender, we were able to compare the exact version of an application we requested with what XXXX XXXX insisted we apply for. Our estimated XXXX was significantly lower at 44 % because the alternate lender allowed us to pursue the application with the exact debt consolidation we requested. If the XXXX was truly the issue that XXXX XXXX had with submitting our application as we requested, then why was he unwilling to share his calculation? It was clear that because of his evasion of direct questions, his refusal to submit the application as we requested, and his requirement of an unwanted payoff that I may be experiencing prejudicial treatment, as well, by XXXX XXXX. Today I am filing this complaint in addition to the HUD complaint because the facts regarding this matter do not appear to illustrate occupational incompetence on the part of XXXX XXXX but rather his overt, egregious, and seemingly intentional violations of fair lending laws and ethical practices. I understand that I am in a unique position in that I was able to learn the mortgage business from the perspective of a lender before becoming permanently XXXX. The likelihood that I am the only borrower to have been in this position is extremely small. The likelihood that another borrower who also receives XXXX and has previous mortgage lending experience is likely smaller. For this reason, I think that filing dual complaints is necessary so that XXXX XXXX and Rocket Mortgages lending practices specific to prejudicial and predatory treatment of applicants with SSD income can be thoroughly investigated.
Consumer Consent Provided	Consent provided

10766988

2024-11-12

Trouble during payment process

Mortgage

Issue	Trouble during payment process
Timely	Yes
Company	Rocket Mortgage, LLC
Product	Mortgage
Sub Issue	Escrow, taxes, or insurance
Sub Product	Home equity loan or line of credit (HELOC)
Date Received	2024-11-12
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2024-11-13
Complaint What Happened	On XX/XX/year> the Rocket Mortgage loan # XXXX that does not hold my escrow as it is a secondary mortgage send a notice of imposed flood insurance, I tried to context as I'm not on a flood zone, they requested a LOMA letter and send them the flood map with the zoning as described in the FEMA web site, they disregard the information and although they send me an email saying that they were reviewing the information the went ahead and imposed Flood insurance in the amount of XXXX XXXX ; by my insurance agent advise I purchase flood insurance on XX/XX/year> and paid {$55000.00} for 12 months coverage but they required a 30 day to start the police that was XX/XX/year>. Today I receive a letter that I have to pay U {$59000.00} for the time lapsed in coverage ... that as per phone call was XX/XX/year> to XX/XX/year>. I understand that mortgage companies can impose coverage, but also understand that they have to be within reasonable market price. XXXX XXXX informed me over the phone that they are not doing anything ilegal and that they are not bound by any rules. Meaning they can charge whatever they want, funny though that the underwriting is a branch of Rocket Mortgage. Is there any law protecting the consumer of such abuse? Regards XXXX XXXX
Consumer Consent Provided	Consent provided

Date of last update: 02 Apr 2025

Sources: Florida Department of State

ROCKET MORTGAGE, LLC - Florida Company Profile

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