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I’ve called MULTIPLE TIMES and sent two emails regarding
1) an additional escrow deposit;
2) removal of a canceled Homeowners Insurance policy;
3) I knew escrow evaluation;
4) the promised reduction in my monthly mortgage payment.
The automated email response came last week with the promise that they would be in touch with me. Of course, they have not gotten in touch with me and the changes to my online account have not been made nor has the monthly mortgage payment get been corrected!
Claimed loss: Amount increases with each passing month
Desired outcome: Respond to my email as they promised, remove the canceled Homeowners Insurance from my account, acknowledge receipt of the additional escrow deposit, conduct an escrow evaluation as promised, and reduce my monthly mortgage payment.
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We are having a somewhat similar issue with Rocket Mortgage. When we purchased the property in 2021, we were assured the mortgage would remain relatively the same amount, unless of course tases and/or insurance went up. All was well util 2026 when we received notification that our mortgage payment was increasing from 562.00 to over 1400, per month! Needless to say, that was a huge jump, particularly for seniors on a fixed income, who'd decided that a mortgage would be economically advantageous as opposed to rent which was increasing yearly. We connected with the call service, we were then connected with various departments, each of whom could not handle our specific questions/problem. After two days of phone calls, we were connected to someone who explained that the increase was because of homeowners' insurance, and that we could try to find a cheaper provider. We did that. We had them contact Rocket Mortgage with the paperwork. RM received it. The payment did not come down. We started calling again, finally being told it was because our escrow account was in the negative and had been for several months. When we asked why we were not informed earlier when the matter could have been easily addressed and resolved, we received a convoluted answer about bookkeeping scheduling, and only yearly reviews, and other excuses. We managed to get the payments down to something we could handle. Then RM began a new round of what we believe to be harassment. They claimed we needed Texas Windstorm Insurance. Okay fine. We got that, sent them the paperwork. Rocket Mortgage said they could not process it, they had not received it. I sent them (six) 6 copies of the necessary paperwork that they requested. Finally, they emailed us that the paperwork had been received and no further action was required. Yesterday, we received a letter from Rocket Mortgage stating we owe them money for the month of July because during that time we did not have the texas wind storm insurance required by our mortgage contract. Yes, we did and the proof is in all of the dated emails. I am personally sick of Rocket Mortgage and wish I'd never heard of them. At this point, we seriously considering selling. What can we do to stop the constant nickle and diming that this company is subjecting us too?