Homeowner sues Rocket Mortgage over disputed vacancy entry at occupied home

Following the vacancy classification, Cyprexx or persons in its preservation network entered the property on or about May 28, 2026, and performed work including lock-related and securing activity, interior entry, pressure testing, plumbing or winterization work, and cleaning, the filing states. Photographs taken during the preservation work depict a furnished interior with beds, couches, appliances, household items, and personal belongings, according to the suit.

The homeowner says she gave birth to twins shortly after midnight on May 29, 2026 – one day after the initial entry.

She promptly disputed the vacancy finding. On June 1, 2026, she prepared a detailed Notice of Error and Request for Information covering account access, payment receipt, escrow accounting, the occupancy classification, preservation activity, property access, and disputed charges, the suit says. USPS records reflect delivery on June 10, 2026. She separately filed a complaint through the Consumer Financial Protection Bureau. Rocket’s CFPB response stated the company had conducted a reasonable investigation and determined no error occurred, according to the filing.

By June 8, 2026, Cyprexx acknowledged in a voicemail that the property was occupied, that all orders had been placed on hold, and that no services would be dispatched, the suit alleges. Yet on or about August 4, 2026, another inspection resulted in a second vacancy notice stating that preservation services – including securing, plumbing winterization, and lawn maintenance – could begin within three calendar days, the filing says.

Rocket’s August 18, 2026 mortgage statement listed property-related advances totaling $5,860.78, according to the suit. The breakdown included $210.00 for property inspections, $3,955.78 for maintenance, $75.00 for repairs, and $1,620.00 in legal fees. The statement’s loan-activity ledger showed six separate entries labeled “Maintenance” dated August 7, 2026 – three days after the second vacancy notice – in amounts of $554.52, $1,475.75, $1,200.00, $85.00, $297.71, and $192.80.