Rocket Mortgage Hit with Class Action After Ignoring Opt-Out Requests

Rocket Mortgage is facing fresh legal trouble as a new lawsuit accuses the lender of continuing telemarketing outreach even after confirming that a consumer had successfully opted out. Filed November 12 in federal court in Florida, the complaint alleges violations of both federal and state telemarketing laws—and marks the 56th TCPA-related case brought against the company.

The Consumer’s Experience

Hillary Wissart of Kissimmee, Florida, says she visited RocketMortgage.com on October 9 to check mortgage rates. Just hours later, she received a voicemail from a representative identifying himself as Miguel Rodriguez, followed by a text message welcoming her to her “home financing journey” and offering an opt‑out option by replying “STOP.”

Wissart sent the STOP request immediately. Rocket responded with a confirmation: “You have successfully been unsubscribed. You will not receive any more messages from this number.”

But the calls allegedly continued.

Timeline of Events

• Oct 9: Initial call and text from Rocket representative.
• Oct 9 (3:51 PM): Wissart sends STOP request; receives confirmation.
• Oct 10–29: Multiple calls from the same number, including Oct 14, 15, 16, 17, 21, 22, 23, 24, 27, 28, and 29.
• Oct 23: Second voicemail left by the representative.

Compliance Concerns

Federal telemarketing regulations require companies to honor do‑not‑call requests within ten business days. The lawsuit claims Rocket failed to maintain proper internal procedures for honoring consumer opt‑outs, as all calls and messages allegedly originated from the same number—indicating the STOP request likely never propagated through their system.

Wissart is not a Rocket customer and uses her phone strictly for personal communication. Her filing also notes that Rocket has been sued 55 prior times for alleged TCPA violations, raising continued questions about the company’s compliance infrastructure.

The Class Action Scope

Wissart seeks to represent two groups:

• Nationwide consumers who sent an opt‑out text but received more than one subsequent call.
• Florida residents who received any calls after opting out.

The complaint estimates that more than 10,000 people may qualify.

Potential Penalties

The case invokes both the federal Telephone Consumer Protection Act and Florida’s Telephone Solicitation Act. These laws carry statutory penalties of $500 per unlawful call—and up to $1,500 if the violations are deemed willful.

Industry Takeaway

For mortgage lenders and other lead‑driven industries, the lawsuit highlights ongoing challenges with managing suppression lists and maintaining compliant outreach workflows across call, text, and digital channels. As marketing automation expands, clean data hygiene and synchronized opt‑out systems remain essential.

Rocket Mortgage has not yet filed a response, and no court has made any determination regarding the allegations.