Rocket Mortgage Hit With TCPA Class Action Over Alleged Early Morning Redfin Marketing Texts

Case Snapshot

• Court: U.S. District Court for the Central District of California
• Case: Long v. Rocket Mortgage, LLC
• Filing Date: May 26, 2026
• Core Issue: Alleged telemarketing text messages sent outside TCPA quiet hours
• Key Allegation: Plaintiff claims Rocket Mortgage sent marketing text messages before 8 a.m. local time without consent
• Laws at Issue: Telephone Consumer Protection Act, 47 U.S.C. § 227(c), and 47 C.F.R. § 64.1200(c)(1)
• Relief Sought: Class certification, statutory damages, treble damages, and injunctive relief
• Notable Detail: The messages allegedly promoted “Rocket/Redfin” incentives connected to Rocket’s recent Redfin acquisition strategy

Rocket Mortgage is facing a new proposed class action lawsuit alleging the company violated federal telemarketing restrictions by sending marketing text messages to a California consumer before 8 a.m. local time.

The complaint, filed May 26 in the U.S. District Court for the Central District of California, alleges Rocket Mortgage sent or caused to be sent multiple unsolicited telemarketing text messages to Los Angeles resident Shannel Long between March and April 2026. The lawsuit centers on the Telephone Consumer Protection Act’s “quiet hours” restrictions, which generally prohibit telephone solicitations before 8 a.m. and after 9 p.m. local time at the called party’s location.

According to the complaint, the plaintiff allegedly received text messages from Rocket Mortgage at 7:33 a.m. on March 23, 7:50 a.m. on April 2, and 7:32 a.m. on April 27 while located in Los Angeles.

Complaint Targets Alleged Quiet Hours Violations

The lawsuit claims the text messages constituted telemarketing under the TCPA because they allegedly promoted Rocket Mortgage products and services without prior express consent. The plaintiff also alleges there was no established business relationship with Rocket Mortgage at the time the messages were sent.

The complaint further alleges the messages were sent from an unknown number and promoted mortgage-related incentives tied to “Rocket/Redfin.”

Screenshots attached to the filing appear to show text messages offering “up to a 1% rate reduction for year one or up to a $6,000 lender credit through Rocket/Redfin.” Another message allegedly asked whether the consumer wanted to review “those Redfin incentives” with Rocket partners.

The plaintiff argues the messages were promotional rather than informational or transactional in nature. The lawsuit seeks statutory damages of up to $500 per alleged violation, along with potential treble damages for alleged willful or knowing violations of the TCPA.

Proposed Nationwide TCPA Class

The lawsuit seeks certification of a nationwide “TCPA After-Hours Class” that would include consumers who allegedly received more than one telemarketing text message from Rocket Mortgage outside permitted calling hours within a 12-month period.

According to the complaint, Rocket Mortgage either directly transmitted the messages or used third-party vendors or telemarketing platforms acting on its behalf. The filing alleges Rocket maintains access to transmission reports, campaign records, and related marketing data that could identify additional recipients.

The plaintiff is also seeking injunctive relief aimed at preventing future after-hours marketing communications.

Growing Scrutiny Around SMS Marketing Compliance

The lawsuit highlights continuing litigation risks surrounding SMS marketing campaigns, particularly as mortgage lenders and fintech companies expand digital outreach efforts.

While many TCPA lawsuits historically focused on robocalls and automated dialing systems, recent filings have increasingly targeted text messaging practices, including allegations tied to consent management, opt-out procedures, and federal quiet-hours restrictions.

The references to “Rocket/Redfin” incentives may also draw additional industry attention because they connect the alleged conduct to Rocket’s broader post-acquisition marketing efforts involving Redfin. Although the current complaint focuses narrowly on TCPA timing restrictions, the case may prompt broader compliance discussions around affiliate marketing campaigns and third-party vendor oversight.

The complaint was filed by PLG Damage Attorneys, a Florida-based plaintiffs’ firm that has recently appeared in multiple TCPA filings involving alleged quiet-hours violations. Rocket Mortgage has not yet filed a response to the lawsuit.