11410553
|
2025-01-07
|
Trouble during payment process
|
Mortgage
|
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Issue |
Trying to communicate with the company to fix an issue while managing or servicing your loan
|
Sub Product |
FHA mortgage
|
Date Received |
2025-01-07
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-07
|
|
11837183
|
2025-01-29
|
Closing on a mortgage
|
Mortgage
|
|
Issue |
Closing on a mortgage
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Issue |
Delays with the closing process
|
Sub Product |
Conventional home mortgage
|
Date Received |
2025-01-29
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-29
|
|
10888005
|
2024-11-21
|
Problem with a company's investigation into an existing problem
|
Mortgage
|
|
Issue |
Problem with a company's investigation into an existing problem
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Issue |
Their investigation did not fix an error on your report
|
Sub Product |
FHA mortgage
|
Date Received |
2024-11-21
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-11-21
|
Consumer Consent Provided |
Consent not provided
|
|
5290376
|
2022-03-05
|
Closing on a mortgage
|
Mortgage
|
|
Tags |
Servicemember
|
Issue |
Closing on a mortgage
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Product |
VA mortgage
|
Date Received |
2022-03-05
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-03-05
|
Complaint What Happened |
Good afternoon : In XXXX of 2021, we refinanced our mortgage.
Our refinance, while botched, resulted in our entire escrow balance paying our estimated taxes and property insurance ( please see attached ) In XXXX, we received a letter ( please see attached ) from the land title company stating that we were short {$2500.00} for our property tax bill as only {$4500.00} was paid after closing ( attached on page 3 shows {$4500.00} was paid towards our property taxes in addition to {$2200.00} towards our property insurance on XX/XX/2021 ).
In XXXX of 2021, I called Movement Mortgage 's customer service number to let them know and they said they'll get a copy of the tax bill and take care of it. It turns out that your billing department paid the whole {$7100.00} in addition to the entire XXXX XXXX XXXX payment leaving us with around a $ XXXX deficit.
The deficit in this case should only be {$2500.00} NOT $ XXXX. As a result of this error, we will have to pay an extra {$1200.00} per month starting on XX/XX/XXXX.
|
Consumer Consent Provided |
Consent provided
|
|
4813337
|
2021-10-15
|
Trouble during payment process
|
Mortgage
|
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Product |
Conventional home mortgage
|
Date Received |
2021-10-15
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-10-15
|
Complaint What Happened |
On XX/XX/2021 at XXXX I called Movement Mortgage regarding my home loan requesting information for loan repayment assistance as I have recently lost my job by no fault of my own. I was told by Movement Mortgage loss mitigation team that I would receive a package in 7 days and also have access to it on their loansolutioncenter.com website. I never received the package via mail and the website was never updated. I contacted Movement Mortgage again on XX/XX/2021 at XXXX inquiring again about the loan assistance package. I requested an email copy which I was told could be done. Again I was told they would request another one mailed to me and it will be available on the website within 5 days. No email ever arrived but did receive my XX/XX/2021 statement. Made another request on XX/XX/2021 at XXXX and this time someone from the loss mitigation department told me they are no longer able to upload the documents to the loansolutions website and can only be sent via mail. I asked for someone to call me back for other means of receiving this info. I was told by the Movement Mortgage rep that he could not confirm when that call back would be. On XX/XX/2021 called asking about the documents and requested a call back from the loss mitigation team which I never received back as I was told by the customer service department that they are the only ones who can assist in this matter. Made another call on XX/XX/2021 at XXXX requesting to speak with a manager or someone who could figure this out. Only got same runaround that no one from the loss mitigation department was available and they couldn't figure out why I haven't received the package. Spoke with 4 different people who said that I should have the documents on their website to review which I had to tell them it has never been updated. It took 45 minutes to get a manager on the phone who was incapable to contacting or unwilling to contact the loss mitigation for the paper work I needed to request loan assistance.
I have also called the agent who sold me the loan multiple times for any help with this, XX/XX/2021 at XXXX XX/XX/2021 at XXXX XX/XX/2021 at XXXX XXXX XXXX at XXXX Never recieved a call back from this person.
|
Consumer Consent Provided |
Consent provided
|
|
3371957
|
2019-09-12
|
Trouble during payment process
|
Mortgage
|
|
Tags |
Older American
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Product |
FHA mortgage
|
Date Received |
2019-09-12
|
Submitted Via |
Phone
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2019-09-17
|
Consumer Consent Provided |
N/A
|
|
2740063
|
2017-11-29
|
Closing on a mortgage
|
Mortgage
|
|
Issue |
Closing on a mortgage
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Product |
Conventional home mortgage
|
Date Received |
2017-11-29
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2017-11-29
|
Consumer Consent Provided |
Consent not provided
|
|
10866706
|
2024-11-18
|
Incorrect information on your report
|
Mortgage
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Issue |
Account status incorrect
|
Sub Product |
FHA mortgage
|
Date Received |
2024-11-18
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-11-18
|
Consumer Consent Provided |
Consent not provided
|
|
1796902
|
2016-02-21
|
Credit decision / Underwriting
|
Mortgage
|
|
Issue |
Credit decision / Underwriting
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Product |
FHA mortgage
|
Date Received |
2016-02-21
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-02-21
|
Complaint What Happened |
Company provides false advertisement and mishandles loan process.
My husband and I was pre-qualified for a home loan by XXXX XXXX with Movement Mortgage on XXXX. The loan papers was signed by us on XXXX got them back to XXXX on XXXX he even praised us for getting everything to him so quick, my husband ask XXXX about the loan because we wanted to know before we put money out on an appraisal ( and Inspection XXXX said we were good. I emailed XXXX the homeowners insurance information on XXXX. All was going good XXXX emailed us XXXX and told us our file will go to the underwriter shortly and he would call us later that day. Next thing we know we got an email from a XXXX XXXX on XXXX saying that the appraisal went up to {$500.00} she emailed us the form to sign for the change ask if I email to XXXX or her she said to her. At that time we did not know XXXX was no longer with the company. On XXXX email from XXXX appraisal show no repairs needed we are good to move towards closing. On XXXX got email from XXXX saying congratulation you have received conditional approval on your mortgage file just need XXXX XXXX, evidence of homeowners insurance ( which she already had been sent ) and explanation of deposit for {$3700.00}. Faxed all of that to her the same day. We were told to have utilities turn on for our closing date of XXXX all seem to be going good had to pay {$310.00} for that, had given our notice then the night mare started everyday several times a day we would get an email from XXXX mostly asking for things we had already faxed to her. We got an email from her again saying need to refax bank statement which was not clear and XXXX job verification not received once she got that she could clear our file took care of that the same day. Then she sent email saying homeowners insurance doc missing it was always something then we got denied. Excessive obligations in relation to income. They say they exist to love and value people and that they underwrite in 7 days. They stole our dream retirement home because someone was incompetent. XXXX was great, XXXX did n't even have the guts to call us to tell us we did not get approved we had to hear it from XXXX she called him he do n't even work for the company any more. XXXX could not understand why she did n't call us she would not even answer my emails. This is a horrible nightmare. They even extended the closing date with XXXX knowing we would loose {$1000.00} to the sellers if we did not close by XXXX. We were so frustrated because she kept emailing asking for stuff we told her we were done she told us oh no we have come so far last thing we need is for you to file XXXX taxes we did exactly what she said and agreed to changing the closing to XXXX we had no ideal we would not be approved we are out of so much money, {$500.00} for appraisal, {$280.00} Inspection, {$1000.00} deposit to sellers {$1100.00} deposit on the place we rent and funds to find a place and more. The CEO XXXX XXXX said in the video on their web site they exist to love and value people that is not true its all a sham and our dream was snatched from us and was sent into a night mare. XXXX said when he left Movement Mortgage he thought our loan was in good hands if he had of know this was going to happen he would have stayed until our loan was done he said our loan was good to go when he left. Somebody screwed up and we got messed over. XXXX told us the underwriter would not us my husband overtime then she said they would but he would need XXXX and XXXX check stubs to show consistence, my husband jumped up in the middle of dinner drove to his job printed out some check stubs from XXXX through XXXX which all show his over time we faxed over to her when he returned home. That still was n't enough she then told us to have XXXX taxes done to show rental income have IRS stamp. We had taxes done denied after all
|
Consumer Consent Provided |
Consent provided
|
|
6899718
|
2023-04-27
|
Trouble during payment process
|
Mortgage
|
|
Tags |
Older American
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Product |
Conventional home mortgage
|
Date Received |
2023-04-27
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-04-27
|
Complaint What Happened |
I was affected by Hurricane Ian severely. It has been 7 months, I need a roof and many other repairs to my home. XXXX XXXX would not pay for all the repairs so I agreed to a settlement amount and they sent me a check. Movement Mortgage is holding the check that I overnighted on XX/XX/23 for them to endorse so I can fix my home ( especially the roof before rainy season is here! ) Movement Mortgage refuses to release the check stating they need itemized statement from XXXX XXXX and the Public Adjuster I had to hire. I have been advised we do not have that in this case due to the settlement amount. I call daily and today I missed work and have called all day and still no help! Everyone says something different is the issue. I can not speak to a supervisor and literally have spent all day on the phone with nothing accomplished, just more excuses. Can you please help me get the check released so I can finally repair my home damage?
|
Consumer Consent Provided |
Consent provided
|
|
7346486
|
2023-08-03
|
Trouble during payment process
|
Mortgage
|
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Product |
Conventional home mortgage
|
Date Received |
2023-08-03
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-08-03
|
Complaint What Happened |
This is a NEW/ADDITIONAL complaint regarding Movement Mortgage 's unethical ( potentially illegal ) business practices. I recently submitted CFPB complaint # XXXX regarding Movement 's patterns of harassment, disrespect, and blatantly false accusations & threats which have thus far ( and continue to be ) totally unfounded, unsubstantiated, and unresolved.
I did predict direct retaliation from Movement Mortgage due to my complaint, so I meticulously downloaded & cataloged ALL data, files, and captured detailed screenshots of EVERYTHING I can see via their customer-facing portal. It seems my prediction came true.
Specifics : the prior complaint was due to Movement 's harassment and threats regarding my home insurance policy. They constantly sent me letters in the mail stating falsehoods such as my policy has expired, proof of insurance is invalid, etc, while threatening to buy additional policies on my behalf and at my expense. At the time of last week 's complaint, my payment portal profile clearly showed an ACTIVE homeowners insurance policy ( detailing coverage dates, policy number, underwriter, and upcoming escrow disbursement which was scheduled for yesterday XXXX ). Today I discovered that Movement didn't disburse payment as was planned/recorded just last week. In fact, Movement manually DELETED ALL REFERENCES to my home insurance policy and the scheduled disbursements to pay for the policy through escrow. It seems to me Movement can't articulate any wrongdoing on my part, so they tried to manufacture a technical default by not disbursing funds as obligated, and potentially hoping for a resulting lapse of coverage to then give them something real to threaten me with. Luckily I anticipated this type of unethical retaliation and paid the insurance policy directly. No lapse, still actively covered. Nice try. These people need to be investigated by an objective third party. Perhaps Fannie Mae might take interest in Movement 's improper servicing of Fannie Mae loans? Just a thought.
|
Consumer Consent Provided |
Consent provided
|
|
7432924
|
2023-08-22
|
Trouble during payment process
|
Mortgage
|
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Product |
Conventional home mortgage
|
Date Received |
2023-08-22
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-08-22
|
Complaint What Happened |
After I filed recent complaints against Movement Mortgage for constantly harassing me, constantly threatening me, and constantly manipulating my Escrow account ( and failure to effectively manage my Escrow account and make payments from my Escrow account on time ), all without Cause or Justification, I received a letter on XX/XX/XXXX from XXXX XXXX ( XXXX XXXX of XXXX XXXX XXXX XXXX XXXX ) as a formal response to my complaints.
- This letter detailed the extensive internal investigation they performed, acknowledged internal confusion surrounding my account, and promised everything is now sorted out on their end. Additionally, this letter provided approval and additional information regarding my request for Movement to remove my Escrow account and allow me to pay my Homeowner Insurance Premiums and County Tax Bill directly. XXXX further advised that my next Property Tax payment was due this month in XXXX, so I went ahead and paid the property tax bill directly after reading XXXX 's letter ( For context, I requested the removal of my Escrow account due to XXXX 's failure to make payments on time, and due to XXXX 's general inability to effectively manage my Escrow account ).
- Based on XXXX XXXX 's letter, I felt relief as I finally had someone taking ownership of the mistakes on Movement 's end, outlined corrective action, and would allow me to self-manage Homeowner Insurance Policies & Property Tax payments XXXX instead of the continued Escrow account headaches ) due to Movement 's inability to service XXXX XXXX XXXX XXXX effectively.
- I thought I was all set. Not so fast.
Today I received a letter in the mail from Movement Mortgage which made it clear to me that someone at Movement Mortgage still feels the need to continue retaliating against me, and is continuing to try and manipulate my Mortgage Loan ( specifically the Escrow account ) in a way which I can only assume they hope will set me up for failure.
- Please see the high-level outline of key dates & timeline below, which will clearly show the grief caused to me at the hands of Movement Mortgage, and their inexplicable continued actions, inactions, harassment, threats, manipulation, and failure to effectively manage my Federally-backed XXXX XXXX XXXX XXXX .
- This company needs to be investigated for potential fraud.
XXXX XXXX XXXX XXXX XXXXs : XX/XX/XXXX - Movement sent a letter to me falsely accusing me of not having Homeowner Insurance Coverage XX/XX/XXXX - I immediately provided Proof of Coverage XX/XX/XXXX - Movement sent a letter to me falsely accusing me of not having Homeowner Insurance Coverage XX/XX/XXXX - I immediately provided Proof of Coverage XX/XX/XXXX - Movement sent a letter to me stating they received my Proof of Coverage, but that it wasn't adequate ( with no further explanation ) XX/XX/XXXX - I again provided Proof of Coverage XX/XX/XXXX - Movement finally provided additional details regarding their false allegations, and told me there was a " Named Insured '' mismatch due to our XXXX holding title XX/XX/XXXX - I formally requested an update to Movement 's record keeping to reflect the XXXX held title XX/XX/XXXX - I provided Movement with all requested legal documentation outlining the Title Transfer XX/XX/XXXX - Movement sent a formal letter explaining the XXXX records have been updated on their end, and the record of transfer is complete XX/XX/XXXX - Movement sent a " Final Notice '' letter, again falsely accusing me of not having Homeowner Insurance Coverage, again threatening to purchase an overpriced policy with less coverage on my behalf and at my expense XX/XX/XXXX - I received an email from Movement Servicing Team acknowledging all records are now up to date, there is no more " Named Insured '' discrepency, and all is now resolved XX/XX/XXXX - Movement restarted the prior harassment from the ground up, sending me a letter falsely accusing me of not having Homeowner Insurance Coverage XXXX - XXXX - I filed several formal complaints regarding all of the above XX/XX/XXXX - Homeowner Disbursement from my Escrow was scheduled and due, but Movement failed to make payment XX/XX/XXXX - I provided payment directly to my Homeowner Insurance Provider in order to avoid a lapse of coverage XX/XX/XXXX - I contacted Movement 's Servicing Team to notify them of their failure to Disperse funds for Homeowner Insurance, and notified them I paid directly, and formally requested that my Escrow Account be closed so that I can self manage due to Movement 's failures XX/XX/XXXX - AFTER I notified Movement of their failure to pay Homeowner premium on the XX/XX/XXXX due date, and that I paid the Homeowner premium directly, Movement proceeded to disburse payment for Homeowner Insurance from my Escrow Account LATE, resulting in a double payment ( I didn't realize this until XX/XX/XXXX ) XX/XX/XXXX - XXXX sent another notice to Movement Mortgage informing them of what I had discovered, again requesting that they cease and desist from their manipulations of my Escrow Account, and provided information regarding the Code of Federal Regulations and the fact they are now violating Federal Code XX/XX/XXXX - Received letter from Movement Mortgage with formal approval to remove my Escrow Account XX/XX/XXXX - Received letter from XXXX XXXX explaining the internal investigation, corrective action, and providing Approval for my request to remove my Escrow Account. XXXX further explained that I would now be responsible for paying Homeowner Premiums and Property Taxes directly, and provided a heads up that my next Property Tax bill was due this month ( in XXXX ) XX/XX/XXXX - I immediately paid my County Property Tax Bill directly ( based on XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX - Movement then proceeded to pay my Property Tax Bill from Escrow ( in direct conflict with XXXX 's letter and guidance ), which I didn't realize until I received another letter dated XX/XX/XXXX in the mail XX/XX/XXXX - Received letter from Movement Mortgage that they are now DENYING my request to remove my Escrow account ( after approving on XX/XX/XXXX, and XX/XX/XXXX ), due to a {$100.00} shortage in my Escrow, the shortage being a result of them paying my Property Taxes from Escrow after they had already approved the Escrow Closure and advised me to pay directly. This is now the SECOND Double Payment Movement has made from my Escrow account in under 30 days, compounding the complexity I seem to constantly face at the hands of Movement 's servicers
|
Consumer Consent Provided |
Consent provided
|
|
7609697
|
2023-09-26
|
Trouble during payment process
|
Mortgage
|
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Issue |
Escrow, taxes, or insurance
|
Sub Product |
Conventional home mortgage
|
Date Received |
2023-09-26
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-09-26
|
Complaint What Happened |
Movement Mortgage has displayed a continuous and ongoing pattern of mismanagement and manipulation of my XXXX XXXX XXXXXXXX loan. After several specific issues related to my Escrow account such as Movement 's failure to disburse funds by the due date, Movement disbursing funds AFTER the due date and after I've made payments directly, etc, I formally requested that Movement close my Escrow account so that I may manage Insurance & Tax payments directly, as I've been doing anyway due to their mismanagement.
Movement approved the Escrow account closure, then denied it, then re-approved the closure citing Clerical Issues on their backend, etc etc etc.
On XX/XX/XXXX, I received a letter from XXXX XXXX indicating all backend clerical issues had been addressed, and that my Escrow account is now closed, and that my surplus Escrow funds had been mailed directly to me on XX/XX/XXXX, and I should receive that check in the mail within 7-10 business days.
Naturally, I haven't received any Escrow refund check as of today XX/XX/XXXX. Furthermore, I see within my Movement Payment Portal that on XX/XX/XXXX, Movement has once again disbursed yet another duplicate Tax payment from my Escrow account which should have already been closed. Furthermore, due to this latest inexplicable disbursement, there is now another SHORTAGE within my Escrow account which shouldn't exist. On XX/XX/XXXX I also received a letter from Movement that my monthly payments will now INCREASE as a result of this manufactured shortage on my Escrow account which shouldn't exist. I'm requesting CFPB to step in here once again to help me find resolution. I've attached a timeline of events as reference.
|
Consumer Consent Provided |
Consent provided
|
|
1983365
|
2016-06-24
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
Issue |
Loan servicing, payments, escrow account
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Product |
Conventional fixed mortgage
|
Date Received |
2016-06-24
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-06-24
|
Consumer Consent Provided |
Consent not provided
|
|
1109539
|
2014-11-10
|
Application, originator, mortgage broker
|
Mortgage
|
|
Issue |
Application, originator, mortgage broker
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Product |
Conventional fixed mortgage
|
Date Received |
2014-11-10
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-11-10
|
Consumer Consent Provided |
N/A
|
|
7364095
|
2023-08-07
|
Trouble during payment process
|
Mortgage
|
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Product |
Conventional home mortgage
|
Date Received |
2023-08-07
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-08-07
|
Complaint What Happened |
Movement Mortgage has failed to manage my Escrow Account & Escrow Funds properly, in direct violation of the Code of Federal Regulations CFR 1024.17 ( k ) ( 1 ).
Details : Movement Mortgage failed to disburse funds from my Escrow Account for my annual Homeowner Insurance Policy Renewal, which was due XX/XX/2023.
On XX/XX/2023, I reached out to Movement Mortgage to inform them of their failure to disburse funds on or before the due date as required per CFR 1024.17 ( k ) ( 1 ).
I informed them that due to their failure to disburse funds on time, I contacted my Homeowner Insurance provider directly, and provided direct payment to them which they required in order to avoid a lapse in coverage.
Movement Mortgage then proceeded to disburse the funds to my Homeowner Insurance provider LATE, and only AFTER I reached out to them regarding their failure and after I informed them that I paid my Homeowner Insurance provider directly as a result of their failure.
This is yet another instance of the constant/nonstop unethical business practices perpetrated onto me by Movement Mortage and is in direct violation of Federal Regulations.
This company needs to be investigated.
|
Consumer Consent Provided |
Consent provided
|
|
4667980
|
2021-08-27
|
Trouble during payment process
|
Mortgage
|
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Product |
Conventional home mortgage
|
Date Received |
2021-08-27
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-08-27
|
Consumer Consent Provided |
Consent withdrawn
|
|
5262611
|
2022-02-25
|
Struggling to pay mortgage
|
Mortgage
|
|
Issue |
Struggling to pay mortgage
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Product |
FHA mortgage
|
Date Received |
2022-02-25
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-02-25
|
Complaint What Happened |
The client is in review for loss mitigation. The client was approved for a forbearance in XXXX. A forbearance is meant to buy time and protect against foreclosure for those who can not pay their mortgage due to a temporary loss of income. This client has plenty of income to be reviewed for a permanent solution ; a loan modification. The client is able to resume making payments. There is no reason to throw a band-aid on this when the client meets the requirements for a permanent solution. Back in XXXX we explained all of this verbally and we resubmitted the file for review again in XXXX. We submitted a loan modification request along with a proposal. I am now told as of XXXX that the client was again approved for another forbearance. I was told that underwriting is asking for clarification on if the client wants the forbearance or not. Im concerned about why there is so much confusion when we have spelled every detail out for Movement. Even the first time we submitted the file for review on XXXX, that submission included a proposal and a request for a loan modification, so - exactly what the client was requesting- should have never been a question. I have requested call backs every single week and no one ever reaches out. The lender is ignoring the fact that we call them on a weekly basis and they are acting like they don't have all the information that they need. They are asking questions that are clearly spelled out in the modification packet. The lender needs to decision this file immediately and stop delaying.
|
Consumer Consent Provided |
Consent provided
|
|
7316583
|
2023-07-28
|
Trouble during payment process
|
Mortgage
|
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Product |
Conventional home mortgage
|
Date Received |
2023-07-28
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-07-28
|
Complaint What Happened |
Hello, This complaint is regarding Movement Mortgage and their improper servicing of my XXXX XXXX XXXX XXXX ( Loan Number : XXXX ).
I believe Movement Mortgage may be targeting me with unfair & unethical business practices, and I believe this may need to be investigated.
For almost a full year now ( beginning XX/XX/XXXX ), I've been receiving threatening letters in the mail from Movement Mortgage containing categorially false information about my Mortgage Loan XXXX.
The first several letters falsely stated that my Homeowners Insurance Policy had expired and that they ( Movement ) required immediate proof of coverage or they would proceed with purchasing a policy on my behalf and at my expense.
I promptly replied to Movement Mortgage and provided all evidence of proper Homeowners Insurance coverage. Additionally, I notified Movement Mortgage that the property has always had coverage, and that there have never been any lapses or any issues whatsoever, and that I can see for myself via the Movement Mortgage Payment Portal, that my profile does in fact reflect proper Insurance Coverage.
I received several more letters with the same threats. I tirelessly worked in good faith to continue reaching out to Movement Mortgage via their Customer Service process, providing all documentation over and over again, explaining that all Insurance Coverages are in place and I don't understand what the issue is.
Finally, in XXXX of XXXX, a XXXX at Movement Mortgage shared with me the actual issue they were seeing on their backend records. Apparently there was never an issue of Expired Coverage or Lapse of Coverage on their end ( even though that's literally what the letters were accusing me of ). The CSR explained and confirmed that they do in fact see the current/active Homeowners Policy, but that the Policy has a different " Named Insured '' than myself.
This was the first time in 8 months of receiving threatening letters where someone took the time to tell me what the " actual issue '' was.
I didn't dispute the fact that there is a different " Named Insured '' on my policy, as title to the property is held in a properly structured wholly-owned LLC ( my wife and I are the sole owners of the LLC, with the LLC structured as part of our long-term estate planning strategy ).
I further explained to Movement Mortgage, in detail, that we conducted the Title Transfer into our LLC via the process outlined in section D1-4.1-02 : Allowable Exemptions Due to the Type of Transfer of the XXXX XXXX Servicing Guidelines . Everything 100 % above board and compliant.
Movement Mortgage acknowledged my explanation and asked for me to provide specific documents regarding the legal structure of our LLC so that they could " Transfer '' the Loan Docs to the name of the LLC on their backend to resolve the " Named Insured '' discrepancy/mismatch.
I provided all documentation promptly, and Movement Mortgage processed the Loan Transfer to the LLC quickly, and provided me a written confirmation.
Movement Mortgage then sent another confirmation in the form of email, stating that all is cleared up now and their backend records have been updated, and that there were no more " issues '' with my loan, the insurance documentation, named insured, etc.
All done, good to go, finally solved.
Spoke too soon. Movement Mortgage is now back up to their old tricks, sending me a letter dated XX/XX/XXXX falsely accusing me once again of " Invalid Proof of Insurance '', due to a " Named Insured '' mismatch, and again threatening to buy an additional Insurance Policy on my behalf and at my expense. ( It seems to me that if Movement Mortgage follows through with a threat to buy additional Insurance when they know full well the property is FULLY Insured, might be a fraudulent and unethical action ).
Once again, I'm now caught up in the vicious cycle of contacting Movement Mortgage 's Customer Service center trying to re-explain everything in detail. They refuse to give me an explanation as to why this is happening.
Yesterday ( XX/XX/XXXX ) I believe I may have discovered a key driving factor here which may potentially be a form of Fraud / Unethical business practice : As I'm still working the process ( over and over again ) to contact Movement and clear up this mess they've created, I receive a COMPLETELY SEPARATE solicitation from Movement Mortgage 's in-house " Movement Insurance Team '' , offering to sell me their own in-house Home Insurance Policy for the home.
This instantly hit me like a ton of bricks. Is Movement continually harassing me about my loan and sending threatening letters with false information in an attempt to get me to drop my current insurance carrier and instead purchase insurance through Movement Mortgage? If this isn't considered Fraud or Unethical, I believe it may be a conflict of interest at the very least.
I feel I've exhausted every avenue to resolve this issue with Movement Mortgage directly, but unfortunately I believe I'm being taken advantage of at this point and would sincerely appreciate someone stepping in on my behalf to help address this issue.
Additional information/context for reference : We did transfer title of the property into our wholly-owned Estate Planning LLC o ( To complete this process, we strictly followed the XXXX XXXX guidelines outlined XXXX XXXX XXXX : Allowable Exemptions Due to the Type of Transfer ( XX/XX/XXXX ) ( fanniemae.com ) ) Subsequently, we contacted Movement Mortgage to transfer the loan to the LLC, which Movement Mortgage quickly processed and confirmed None of these actions have adversely impacted/affected the DEED OF TRUST / Security Instrument, or the fact we are still personally liable for the note & repayment. ( This loan is performing, all payments on time, never a late payment or issue whatsoever from our end ) None of these actions have adversely impacted/affected Movement Mortgages lien/interest in the property, which is secured by the DEED OF TRUST, and the existing Homeowners Insurance Policy clearly structured with Movement Mortgage as 1st Lien Holder.
Furthermore, there is no requirement on either the Note or DEED OF TRUST specifically dictating that the Named Insured on any Homeowners Policy must match the names on the original loan documents. The requirement doesnt exist Everything done to the letter, all in complete compliance with XXXX XXXX servicing rules.
Please note : we have always had the appropriate insurance coverage on the property. Never a lapse, never a loss of coverage, never any issues. The insurance policy is in the name of the LLC, as the LLC is the legal owner of the property ( per the Fannie Mae process above ). The Policy clearly lists Movement as 1st Lienholder, protecting their interest in the property. Properly structured LLCs are quite literally designed to separate the entity from the individual, and to provide clear distinctions as to avoid any co-mingling. For me to put my own name as " Named Insured '', on an insurance policy for a home that isn't owned in my name, would be pointless and counterproductive, while also literally defeating the purpose of the LLC structure itself.
I believe Movement understands all of the above, and I haven't broken any rules or defied any written requirements. On the contrary, I've done everything to the letter, taking great care to ensure all compliance requirements are met. Movement has acknowledged this in the past. This is why I believe I'm being harassed and need help. Thank you so much in advance.
Prior ticket numbers I've submitted with Movement 's Customer Service for reference : XXXX Most Recent ( I received acknowledgment of the issue, but never any follow up / follow-through whatsoever ) XXXX XXXX XXXX
|
Consumer Consent Provided |
Consent provided
|
|
6536148
|
2023-02-06
|
Trouble during payment process
|
Mortgage
|
|
Tags |
Servicemember
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Product |
VA mortgage
|
Date Received |
2023-02-06
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-02-06
|
Complaint What Happened |
I am a XXXX veteran that is XXXX XXXX total and permanently XXXX. I obtained my VA XXXX loan through Movement Mortgage. After I secured the loan and the home, I applied for my XXXX veterans homestead exemption, which allows me not to pay property taxes through XXXX XXXX ( XXXX ) and state ( Florida ). After I obtained the exemption from XXXX XXXX, I contacted them and they advised me that my mortgage company has been sent a copy of my exemption, and the form clearly indicates that I am exempt from paying property taxes.
I contacted Movement Mortgage in XX/XX/XXXX to advise them of the exemption and also to provide them with a copy of my exemption, to which I uploaded a copy into my profile at the Movement Mortgage website. When I spoke to someone in the XXXX department, they advised me that it would take approximately XXXX weeks to process and that I would be mailed a check for the overage or refund.
I then wanted to check on the process to obtain a status and also to ensure that they were performing the action that their representative indicated would be completed. When I called, it was not approximately XXXX XX/XX/XXXX. When I spoke to someone in the XXXX department, they indicated that a refund had been process in the amount ( approximately ), {$5600.00} USD. I asked the representative when could I expect the refund check and they advised in about 3 weeks.
In the interim, no check had been received at my residence and it was three weeks later and so I called Movement Mortgage on XX/XX/XXXX to check on the progress on my request and I was met with confusion. The company processed my call with the customer service department and once I explained my issues, they immediately transferred me to the Tax department. Then, once I explained to them the issue and that I should not be charged taxes because I am a XXXX veteran, I was told that I needed to contact XXXX XXXX XXXX accessor. I then advised the representative that I had already contacted them and they had provided Movement Mortgage with a copy of the exemption and that they had proof that XXXX had received the exemption, the representative put me on hold to look at the issue. Once the representative came back on the phone, I was advised that a refund has been processed on XXXX XX/XX/XXXX. I then advised them that I was aware of the refund and wanted to know when I would receive it because it had been three weeks and I had not received anything in the mail.
The representative advised that they did not have all the information and that the customer service department could provide me more details. I then asked the representative to connect me with a supervisor because she was unable to understand what I was trying to convey and when she transferred me, I got the customer service department and no supervisor.
I then had re-authenticate again and once I did that and explained my issue, the representative said that I needed to speak to the tax department and I advised that I was just transferred from the tax department and that I was trying to get some answers as to the status of my refund and also the status of my tax exemption. The representative then transferred me back to the tax department.
Once I was back on with the tax department, I spoke to a representative that listened to what I was conveying and decided to investigate the issue. He then advised me that Movement did have an exemption for me being XXXX XXXX XXXX and that I should not be charged taxes. However, he advised me that Movement was still charging me property taxes and that should not be happening. He further advised me that I had a refund issued but he could not advise on the status or where it was because the department that manages the tax refunds was the escrow department. I asked him if I could speak with the escrow department and he advised that he could not because they can not even contact escrow. Additionally, he advised me that I have an overage that is ongoing and that the money that was being collected should not be happening and that the amount was approximately {$2300.00} USD. He stated that he would launch an investigation to get to the matter and I advised him that one had already been launched back in XXXX and upon further investigation he confirmed it and said that he was going to look into it anyway. He also said that the customer service department has the information and that I needed to let them know the status of my paying my XXXX taxes and current taxes that should not be collected and that I had a right to receive those funds because they should not be collected in the first place.
I was then transferred back to customer service and had to go through this process again and after explaining it to the representative again, she looked into all of the notes and confirmed everything the previous representative advised and also said that Escrow has the money and that they could not contact them or speak to them and that they did not know what was going on. She also advised me that there was nothing else she could do because Escrow was handling the issues, although no one could contact Escrow to ask about what is going on.
At this point, I am extremely upset and angry at this process because Movement has received proper documentation and notification about my property tax exemption ; however, they do not comply in refunding me my money that they should not have collected. They continue to collect property tax money despite being notified in writing that I am not to be charged and no once can assist me. Currently, I am exploring legal action against Movement and would like this issue to be resolved.
|
Consumer Consent Provided |
Consent provided
|
|
2229679
|
2016-11-30
|
Credit decision / Underwriting
|
Mortgage
|
|
Issue |
Credit decision / Underwriting
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Product |
Conventional fixed mortgage
|
Date Received |
2016-11-30
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-11-30
|
Company Public Response |
Company believes the complaint is the result of a misunderstanding
|
Complaint What Happened |
A friend urged a borrower to call me because they wanted a second opinion on a loan process. ( I am an XXXX in XXXX and XXXX ). When the borrower explained her story, I told her the transaction was illegal, and I specifically told her why.
XXXX XXXX of Movement Mortgage in XXXX is her LO in question. The borrower is purchasing a home with her step dad as a co-borrower. During the application process, the borrower explained she will be renting out rooms in the new home. After she gave me all of her income and application information, I explained she qualified for FHA, but not Conventional. Then she remembered, and said, the MLO, XXXX XXXX said if her step dad and Mom could produce a lease to rent out their home ( within the same city ) that the rent could be used to help them qualify for the Conventional loan. ( Yes, could, if following guidelines ). However, he sent the borrower a lease contract and told her to find someone to sign it. I informed the borrower that a mortgage loan must be honest and that by filing fraudulent information and documents could be mortgage fraud. Not only for her, but her parents, the people who offer to sign that lease contract, the MLO, and possibly the Realtor. I told her I could help her with the loan in the honest way, but only with FHA. When I spoke with her again, I further told her that the conventional loan and renting criteria should have the homes over XXXX miles away, but if there truly were circumstances, and truly the parents were moving in, then she may be able to get that approved with him, but again, told her she is going to need to document the truth. But to pretend, to file, and to move forward in a fraudulent manner could get her in big trouble. She said she spoke with XXXX XXXX about this, and still felt he could do something to make it OK. She said he and the Realtor were now going to give her a gift card also to work with them together ( Sounds like the Realtor and him should share a prison cell ... At least the gift card is legal. ) I was previously a XXXX XXXX and I have never seen more corruption than in this industry. Perhaps I should be a mortgage cop! I do n't mind not being chosen for loans that will get everyone in jail, but I am truly tired of seeing it happen. This is not the first time Movement Mortgage has hit my infraction radar, just decided it is time to start reporting people to someone.
|
Consumer Consent Provided |
Consent provided
|
|
3051764
|
2018-10-20
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
Issue |
Applying for a mortgage or refinancing an existing mortgage
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Product |
FHA mortgage
|
Date Received |
2018-10-20
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-10-20
|
Consumer Consent Provided |
Other
|
|
5886440
|
2022-08-16
|
Trouble during payment process
|
Mortgage
|
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Product |
Conventional home mortgage
|
Date Received |
2022-08-16
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-08-16
|
Complaint What Happened |
This lender-servicing company, Movement Mortgage , has failed to refund to me the annual escrow surplus in the amount of {$7100.00}. I received the required annual analysis on XX/XX/2022 and it stated " Your escrow refund check will be mailed to you in a separate envelope. '' I have called 4 times to report that no check ever arrived : on the first call on XX/XX/XXXX the representative stated that it had been sent and should arrive within the week. On the 2nd call on XX/XX/XXXX, another representative told me the check had never been cut and sent, and could not explain why. On the 3rd call on XX/XX/XXXX, the representative hung up on me. On the 4th call on XX/XX/XXXX, the representative said he would stop payment on a payment issued on XX/XX/XXXX and electronically deposit the funds to my checking account " sometime after XX/XX/XXXX. '' The representative asked to place me on a brief hold and said " XXXX XXXX XXXX XXXX '' before I was placed on hold and then disconnected.
They have been withholding my rightful ( and promised ) refund since XX/XX/2022. See attached " ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT '' published on that date.
|
Consumer Consent Provided |
Consent provided
|
|
4288768
|
2021-04-11
|
Closing on a mortgage
|
Mortgage
|
|
Issue |
Closing on a mortgage
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Product |
Conventional home mortgage
|
Date Received |
2021-04-11
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-04-11
|
Consumer Consent Provided |
Consent not provided
|
|
4414089
|
2021-05-28
|
Closing on a mortgage
|
Mortgage
|
|
Issue |
Closing on a mortgage
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Product |
Conventional home mortgage
|
Date Received |
2021-05-28
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-05-28
|
Complaint What Happened |
I understand that according to Homeowners Protection Act that Lender should automatically remove PMI when loan drops below 78 %. I have been trying to cancel this PMI but the lender wants me to sign an authorization to do a new appraisal of the house which is going to cost me from {$600.00} to {$900.00}. I don't know if this is legal if they are supposed to terminate the PMI automatically.
Thanks for your attention.
|
Consumer Consent Provided |
Consent provided
|
|
5283618
|
2022-03-03
|
Closing on a mortgage
|
Mortgage
|
|
Issue |
Closing on a mortgage
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Product |
FHA mortgage
|
Date Received |
2022-03-03
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-03-03
|
Complaint What Happened |
On XX/XX/XXXX, we began the mortgage process with Movement Mortgage in XXXX, Fl. All documentation request was provided including access to banking information, tax returns, and pay stubs. Pre-approval was provided and I began shopping for a home. On XX/XX/XXXX we made an offer on a home which was accepted. The closing was scheduled for XX/XX/XXXX. I asked to move the date up since the sellers were no longer in the house but was told no it could not be done. On XX/XX/XXXX I received an email that my loan was approved with conditions. On XX/XX/XXXX, I emailed with all the requested information. I also inquired if anything else was needed. I did not receive any communication that there were concerns or missing data. On XX/XX/XXXX a week before closing I was told that additional employment verification needed which was provided within 24 hours. On Monday XX/XX/XXXX, I received numerous XXXX documents about information that I had provided on XX/XX/XXXX. At the end of the day XX/XX/XXXX I was told the closing scheduled for the next morning was canceled. I had movers and deliveries all lined up, no secured living space, time off work and they had no real explanations. On Wednesday the day was scheduled to close I was told it was a delay in processed because of the employment verification issue. A delay that you knew about three weeks before closing but did not address. They were inefficient, costs me hundreds of dollars and want to delay for additional days with the same excuse which is a lie. They did not process my information or follow up in a timely manner. They have no remorse for the inconvenience of financial costs with pushing this closing back for no reason other than incompetent practices.
I am stressed and devastated with the process. My daughter cant come home for spring break because I have no home for her to come to. The need to do better and be diligent about their processes. There website boasts about how quickly their loan process is and how quickly they can get to closing. It is all a lie. Beware of doing business with this company.
|
Consumer Consent Provided |
Consent provided
|
|
7513137
|
2023-09-07
|
Problem with a company's investigation into an existing problem
|
Mortgage
|
|
Issue |
Problem with a company's investigation into an existing problem
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Issue |
Difficulty submitting a dispute or getting information about a dispute over the phone
|
Sub Product |
Conventional home mortgage
|
Date Received |
2023-09-07
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-09-07
|
Consumer Consent Provided |
Consent not provided
|
|
1379687
|
2015-05-18
|
Application, originator, mortgage broker
|
Mortgage
|
|
Issue |
Application, originator, mortgage broker
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Product |
Conventional fixed mortgage
|
Date Received |
2015-05-18
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
Yes
|
Date Sent To Company |
2015-05-18
|
Consumer Consent Provided |
Other
|
|
8136427
|
2024-01-09
|
Trouble during payment process
|
Mortgage
|
|
Tags |
Older American, Servicemember
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Issue |
Escrow, taxes, or insurance
|
Sub Product |
VA mortgage
|
Date Received |
2024-01-09
|
Submitted Via |
Phone
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-01-09
|
Consumer Consent Provided |
N/A
|
|
8907929
|
2024-05-01
|
Closing on a mortgage
|
Mortgage
|
|
Issue |
Closing on a mortgage
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Issue |
Delays with the closing process
|
Sub Product |
FHA mortgage
|
Date Received |
2024-05-01
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-05-01
|
Consumer Consent Provided |
Other
|
|
8590555
|
2024-03-20
|
Trouble during payment process
|
Mortgage
|
|
Issue |
Trouble during payment process
|
Timely |
Yes
|
Company |
Movement Mortgage LLC
|
Product |
Mortgage
|
Sub Issue |
Escrow, taxes, or insurance
|
Sub Product |
FHA mortgage
|
Date Received |
2024-03-20
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-03-20
|
Consumer Consent Provided |
Consent not provided
|
|