| 02/18/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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We started what would end up being the worst nightmare that either of us have ever had, like the lights where permanently out and there was no body home and what little hope we once had at trying to save our home was just gone, like we never even had a chance. Movement Mortgage had dropped the ball on us multiple times, along with making us feel like we were inadequate human beings, we were being discriminated against and completed harassed with no remorse about what we are going through, we were both feeling emotional distressed by what they had continued to do.
Every time I had to call them it literally made me sick both emotionally and physically.
It would take us four agonizing months to finally get to the next step where our Loss Mitigation Application would finally be considered Complete and their evaluation could take an additional ( 30 ) days to complete.
On XX/XX/XXXX we would mail in our first set of the Mortgage Assistance Application documents certified mail because we had never been advised about the XXXX XXXX XXXX upload website.
Around XX/XX/XXXX we would receive a letter in the mail from Movement Mortgage advising us that our application had been removed from the Loss Mitigation department do to us not providing the required documentation.
I received an email from them dated XX/XX/XXXX telling us that our missing documents/ items are XXXX last 2 months of bank statements and the last 30 days of income pay stubs for XXXX for pay period XX/XX/XXXX and XXXX as well as 4506C line 1b XXXX needed to add his social security # and check the signature box AND this is all DUE by XX/XX/XXXX.
How can we provide missing documentation by XX/XX/XXXX when we didnt get the email till after the fact. This in turn would be the FIRST time they would end up dropping the ball on us.
XX/XX/XXXX XXXX called into Movement Mortgage and spoke to XXXX she advised him of what was supposedly missing, XXXX advised her at that time on their recorded line his last date of employment was XX/XX/XXXX so the last pay check stub that we sent in for him was for XXXX XX/XX/XXXX so he couldnt provide something he didnt have & at that time he had also closed his bank account that he had. She advised him then he needed to write up a hardship letter stating his last day of employment and why he couldnt provide them with bank statements either. But yet these are the only documents she said they was missing.
After being put on hold XXXX came back on the line and advised XXXX that they apparently actually never received our First set of the documents for the Assistance Program that was sent certified mail on XX/XX/XXXX.
Since we had sent them certified mail we had a tracking # to look them up and see when and who signed for them? Once we verified that they had been Delivered XX/XX/XXXX at XXXX p.m. and signed for we called Movement Mortgage back on XX/XX/XXXX and spoke to XXXX and advised her again on their recorded line that we had confirmation that they had received our paperwork and that is had been signed for on XX/XX/XXXX. She did say they had them, she gave him the XXXX XXXX website for us to yet again scan and send in our second set of documents for the XXXX XXXX. Because come to find out we ONLY have 30 days to complete the Application process and give them any additional documentation the intake department asks for.
Once I got home from work I called in again spoke to XXXX then XXXX in the loss mitigation department to get clarification as to what we had to send them again and make sure we had the correct website to upload the documents to. On XX/XX/XXXX we completed our second set of documents along with a hardship letter XXXX wrote up which included his last date employment, why he couldnt provide last 2 months of bank statements and I had to sign his hardship letter as well again.
This second set of documents that we filled out 4506-C dated XX/XX/XXXX and uploaded where sent to us in the mail by Movement Mortgage just like the first set.
XX/XX/XXXX I again received any email from them advising we are missing documents yet again.
I called in and spoke to XXXX she advised me we both had to input an X in the 6A box on our 4506C tax form and check the date and I had to also sign my name on XXXX hardship letter underneath his and date it again I uploaded the corrected documents yet again on XX/XX/XXXX to their website where it is date & times stamped.
Received a letter XX/XX/XXXX that was dated XX/XX/XXXX from Movement Mortgage stating once again our Application is missing XXXX bank statements and we both had to correct the 4506-C form with signature, date, phone numbers and on line 6 input 1040.
XX/XX/XXXX XXXX called me and left me a voicemail asking me to call them back.
I called back into them after I got home from work spoke to XXXX she advised me they were just doing a collection call because no decision has been made with our application yet and until it changes we will continue to get collection calls from them.
XX/XX/XXXX XXXX called me left me a voicemail asking me to call them back.
I called back into them after I got home from work I spoke to XXXX who is in the Loss Mitigation department.
She states they hadnt received our 4506-C forms or XXXX hardship letter and we only have till XX/XX/XXXX to get that in to them. I explained to XXXX there had to be some mistake that I didnt understand why because I have screen shots of everything where I uploaded it to their site and it was all dated XX/XX/XXXX and I even went back into their website myself it shows its all been uploaded and it is all been date & times stamped. She was very nasty and short with me, I asked her to transfer me to a supervisor she responded back to me she couldnt transfer me but if I wanted to hang up with her and call back in maybe I would get someone else JUST so they could tell me the same thing she had just said.
I hung up I was very appalled by how she just spoke to me on the phone on a recorded line she has no customer service skills what so ever, she has no business dealing with people.
I did call back in again already preparing myself if XXXX would answer again, how was I going to deal with the situation. THANK GOD she didnt because I already new my filter was gone I was in no mood for round two.
This time I spoke to XXXX in collections she explained to me WHY there was such a fuss about our 4506-C forms because at the top left corner they are dated XX/XX/XXXX so this whole time that was the date problem with them. So not once but twice they mailed us outdated 4506-C forms and nobody even noticed this, so yet again they dropped another bomb on us.
Once we were able to get the right 4506-C forms dated XX/XX/XXXX my hope was we would finally make it to the next step and have a Completed set of documents. XXXX explained to me they have been sending out the wrong set of documents and she was going to let that department know.
On XX/XX/XXXX I called in to make sure they had received all our documents at this point and see what the next step is going to be for us.
I spoke to XXXX she did explain to me they did receive all our documents and the 4506-C forms are NOW correct she explained they will forward them to underwriting for review and see what options they can find for us at this point and that Movement Mortgage with keep in touch with us at least once a week just to check in and update us with any news.
WE both was feeling like maybe there was an ounce of hope left for us with re guards to everything we have already been through.
XX/XX/XXXX I received two emails from XXXX XXXX whom all the emails have come from previously state she is our Relationship XXXX. The first email states they are just checking in and they are currently reviewing the additional items we sent in.
This was indeed the calm before the Storm. The second email states that they are missing items that they need in order to move forward with our request for assistance package.
I got these emails Tuesday morning while I was at work I just fell to the ground and all I could do in front of all my coworkers was cry. I was so embarrassed yet so dam angry all at the same time. I couldnt believe yet again they had dropped the ball on us again.
I called in after I got home from work I spoke to XXXX whom is in Loss Mitigation department she explained to me that again our documents where outdated and we would have to redo them again.
I let her have it there was no filter I explained to her how many times we have gone through this with them how many months we have been going round & round with them and how we have been getting treated, I told her nobody there wants to do their job & I am tired of doing the work for them I wanted to be transferred to a XXXX right now. I was done talking to her.
She put me through to her XXXX XXXX and I gave her a mouth full also. She explained to me that yes our documents are past the ( 30 ) days again and that underwriting was asking for more information on XXXX plan for future work and XXXX.
XXXX and I went through every single document in our multiple page file with them so I could grasp yet again exactly what I needed to change, re date, resign the whole packet. She said everything else looked good to her and was completed correctly. I went over some of my calls with some of her employees and told her to go and listen to our conversations it was appalling to me how we have been getting treated. She said she would go back and review them it would be a good training for them. XXXX asked me to give them till Monday before I call back in to check the status. I uploaded the documents again for the third time.
XX/XX/XXXX again I receive two emails from XXXX XXXX. The first one stating they are just checking in and they are currently reviewing our additional items we sent in.
Yet again the calm before the Storm the second email states this is notice to inform you that we are missing items we need in order to move forward with your assistance request.
XXXX XXXX I called in spoke to XXXX he states the missing documents are checks stubs and bank statements, I asked him for who are these documents missing? He said it didnt specify in the notes so he told me just for XXXX and I both to send in these documents.
I told him I wasnt sending in any more documents I have already sent in XXXX SETS at this point and in case they couldnt read XXXX has no bank statements or check stubs.
After being on a hold for a lengthy time he gets back on the phone and told me he was sending a message to the intake department to review our documents again and told me to call back in on Tuesday XX/XX/XXXX.
Apparently me thinking Tuesday couldnt come soon enough, by the afternoon I received yet again another email from XXXX XXXX stating this time they are informing me that they have Closed our review of our request for assistance package & if I believed this was done in error to login via the link or contact them by phone immediately.
Once I got home from work I called them asap. XXXX answered I explained to her about the messages I had received earlier in the morning and my conversation with XXXX.
So how now has our XXXX just been closed? XXXX looked through our file I reminded her how we had just spoke on XX/XX/XXXX and I spoke to her boss XXXX the same day and she told me she would ping XXXX again and see if she could talk to me? XXXX did say our Application should not be Closed. XXXX was at lunch but she would be in the office till XXXX XXXX. so she would probably give me.
a call when she got back from lunch and if she didnt call me back XXXX said she would make it a point to return my call on Monday when she got in to the office. Needless to say Friday night came and gone XXXX never called me. Monday was here and still nobody bothered to call me BUT why would they. They dont do what they say they are going to do in the first place and they have proven that on multiple occasions already they are incompetent all on levels.
XX/XX/XXXX I called in after I got home from work spoke to XXXX I asked her to transfer me to the XXXX XXXX Department, she told me she would see if they would take my call really what do you mean exactly if they will take my call? She gets back on the phone after just putting me on hold and tells me they will not speak to me. I told her I want her to send a message to the Supervisor in the loss mitigation department I want a return call back after XXXX XXXX when I am off work.
XX/XX/XXXX at XXXX a.m. XXXX called me and left me a voicemail that she was calling me per my request.
I called back in and spent my lunch time speaking to XXXX who is in loss mitigation department I started off by asking him if there was a message from XXXX where I asked for a Supervisor to return my call and for it to be after XXXX XXXX. once I was off work? He said yes there is a message.
I explained to him what we have been dealing with and what has been going on with our Application and that we have done it three times I already and I was not about to do it for a fourth.
He was messaging XXXX XXXX who is over XXXX the Supervisor in his department because he had to get permission to have our Application sent back and have it reopened for reviewed yet again but this time by a Supervisor in the intake department because XXXX said it looked like they did drop the bomb on us yet again by Closing our application.
Less than three hours later I had two more emails from XXXX. The first one was again a New Check in advising me they had received and are currently reviewing the items I had sent it.
The second one said our Package was finally deemed to be Completed for the first time which all in all ended up being one of the best feeling in the world at this point four months later.
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| 11/03/2022 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I applied for a mortgage loan with Movement Mortgage on XX/XX/2021 with XXXX XXXX XXXX in the XXXX, NC XXXX, one of your mortgage originators after talking with him on XX/XX/2021 about purchasing a home and my ability to be approved for a mortgage.
After applying for the loan, I received a preapproval on XX/XX/2021 for {$360000.00}. Subsequently, I received another preapproval on XX/XX/2021 for {$370000.00}. I signed a purchase contract and put up {$15000.00} in due diligence. My expected closing date was XX/XX/2021.
We went through with the process of getting the actual approval. The process was very confusing as I was asked for the same documentation several times and asked to explain XXXX XXXX for minimal amounts, such as {$5.00}. Although confused by the requests, I provided what was requested. Per request, I also uploaded pay stubs for the months of XXXX and XXXX. I work XXXX different contract jobs, XXXX as a XXXX employee and XXXX as a XXXX employee. On XX/XX/XXXX, I uploaded pay stubs from both of my jobs. After explaining my contract employment to XXXX XXXX, he advised me to only submit the paystubs for the XXXX position and not the XXXX position, so after that conversation, I only uploaded the pay stubs for the XXXX job.
XXXX day before the projected closing date, everything started to go downhill. XXXX XXXX informed me that I would not be able to close on XX/XX/XXXX because the title had not been cleared by the attorney because they did not contact the attorney within a reasonable time. He contacted the closing attorney at XXXX XXXX on XX/XX/2021, just XXXX business days before expected closing. I was very upset because I had no clue that we were behind in our timeline, because on XX/XX/XXXX the original closing attorney notified XXXX XXXX and his team that they would not be able to handle the closing. XXXX XXXX and I had a conversation, I communicated to him to then reach out to XXXX XXXX to handle the closing. XXXX XXXX said that he had personally spoken with Attorney XXXX XXXX at XXXX and XXXX and he was told that she would handle the closing. However, on XX/XX/XXXX, the sellers listing agent reached out to confirm closing and he was made aware that the original attorney from XXXX and XXXX would not be able to handle the closing.
Therefore, I was forced to ask the selling agent for an extension. I received that extension and the new closing date was scheduled for XX/XX/2021. On XX/XX/2021, we were still not able to close, for reasons unknown to me at that time. However, the seller went to the attorneys office and signed closing documents, leaving me with a 7-day window to close before losing the due diligence monies of {$15000.00}. On XX/XX/2021, I reached out to XXXX XXXX many times via phone, text and email but I received no response.
On Friday, XX/XX/2021 ( after our second prospective closing date ), XXXX XXXX contacted me via phone and let me know that there was a problem with finalizing loan documents. He stated that because I am a contract employee and my contract states that my end date for employment is XX/XX/2021, I would need to prove that my employment would not end at that time and that it was in fact indefinite. XXXX XXXX also sent an email following up on our conversation that further stated XXXX been instructed that even if they said its an indefinite contract, that would work. ( this email is attached for your review ) On XX/XX/2021, XXXX XXXX contacted my recruiting agencys HR department and asked if the employment is indefinite. Because this was a holiday weekend, XXXX XXXX did not receive a response until XX/XX/2021. The response was there is a situation in which her employment contract could keep getting extended but XXXX hesitant to say indefinitely as were at the mercy of the client in that regard. But is there a possibility of her remaining an employee of ours for a very long time, yes, there is that possibility.
On XX/XX/2021, I went to the Movement Mortgages XXXX, NC XXXX and asked to speak with someone in regards to my loan because I was not receiving any communication from my loan XXXX and at this point, we were on a race against the clock. There, I spoke to XXXX XXXX. XXXX informed me that we were looking to close on XX/XX/2021. However, I could not go off of XXXX words. I needed a concrete answer in writing. XXXX let me know that the underwriters were reviewing my file and I needed to wait for a response. At XXXX on XX/XX/2021, XXXX XXXX texted me and stated that he would call me shortly. I waited for his call for an hour and then I texted him and asked when he was going to call. He called me directly after that. He let me know that the response from HR was not sufficient and further clarified to me that the underwriters wanted to see the term indefinite.
Because this response was not sufficient, on XX/XX/2021, I reached out to the XXXX XXXX of the recruiting agency to clarify the issue of the stop date for employment of XX/XX/2021. He directly emailed XXXX XXXX and stating the way our system is set up we need to have a start date and end date for our contractors. The end date is an internal control that our systems require us to enter. XXXX XXXX role at XXXX is indefinite and there is a strong possibility they will bring her on their payroll. In the event that does not happen, we would place XXXX XXXX with XXXX of our other clients at the same salary if not more. If you have any questions please feel free to reach out to me. Once receiving this response, I forwarded to XXXX XXXX, she replied thank you for sharing this with me. XXXX and his XXXX are actively working with underwriting to review your employment and I confirmed that they have this information that you just shared. This has been escalated to the highest person in underwriting. XXXX will continue to keep you informed as soon as we have updates, but this is absolutely a high priority.
XXXX XXXX also confirmed receipt of the email and confirmed that he sent the response to underwriting. I did not hear from XXXX XXXX throughout the day, I again went to the XXXX office asking to speak with someone in regards to my loan. There, I spoke with XXXX XXXX. XXXX immediately phoned XXXX XXXX. After speaking with XXXX, XXXX XXXX called me, while I was at the office and told me that I was denied the loan, for a number of variances. I asked him to clarify that. He then stated that my XXXX XXXX, my employment verification and my paystubs not showing XXXX hours a week were the reasons why I was denied. The paystubs provided to him showed : XX/XX/XXXX - XXXX hours XX/XX/XXXX - XXXX hours XX/XX/XXXX - XXXX hours XX/XX/XXXX - XXXX hours XX/XX/XXXX - XXXX hours XX/XX/XXXX - XXXX hours XX/XX/XXXX - XXXX hours XX/XX/XXXX - XXXX hours Furthermore, XXXX XXXX and his team had these paystubs throughout the whole process.
I got off the phone with XXXX XXXX and spoke with his XXXX, XXXX XXXX. I let XXXX XXXX know that I have been a contract employee since the beginning of this process and nothing has changed, why would I be preapproved if this was an issue? She stated that XXXX XXXX did not know that I was a contract employee. I let her know that this was not true. Early on in this process, XXXX XXXX advised me on which job to use and we had extensive conversation about my contract employment. Her response was I dont believe XXXX XXXX did anything nefarious. However I stated, this is not about being nefarious but about XXXX XXXX negligence and inability to pre-approve and process loans successfully.
On XX/XX/2021, the last day of having an opportunity to close, I received an email explaining my denial. What was indicated in the letter is temporary or irregular employment, insufficient stability of income.
XXXX XXXX XXXX I am very familiar with the mortgage approval process and this was the farthest from fair and ethical. I have never seen someone get pre-approve and the loan fall through after signing closing disclosure and seller signing closing documents because of something that was the exact same at the beginning of the process. Evidenced by the reason for being denied, XXXX XXXX was incompetent in preapproving me for the loan. I have learned that per FHA guidelines ( the loan that I was applying for ), if a person is a contract employee, they would need two years history doing this type of work. At the time of pre-approval, I did not have two years of immediate history of contractual employment, however, I do have over 16 continuous years in this field working salaried and contract positions. XXXX XXXX was aware of that and still pre-approved me. I relied on his pre-approval and submitted a contract with {$15000.00} due diligence.
There is no excuse to wait until a week and two days after the prospective closing, signing the initial closing disclosure, the seller signing the closing documents, home insurance documents were submitted and paid for, the attorney cleared the title, paying for the appraisal and home inspections, terminating my current lease, hiring movers, and giving away furniture, to then find out that I was denied for the loan. Additionally, the reason for the denial is XXXX that should have been addressed early on, prior to pre-approval.
XXXX XXXX and his team lacked integrity, professionalism, knowledge, communication, dignity and morals throughout this process. I have been denied a loan for reasons that were the same when we began the process and all throughout. I have relied on XXXX XXXX negligent pre-approval and have handed over {$15000.00} in due diligence to the seller.
I am appalled by Movement Mortgages business values and unprofessionalism. There was no concern and there was a clear lackadaisical attitude about my loss of due diligence monies. I had to go to the office to even get a response from anyone about the next steps after submitting employment information. This is the most unbelievable mortgage process that I have ever witnessed. As a consumer, we rely on the education and professional opinions of the loan officers and we suffer greatly when we are led astray by people who are unqualified and negligent in their performance.
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| 06/20/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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Movement Mortgage Contact XXXX XXXX XXXX XXXX XXXX XXXX The complaint overview : I was lied to on multiple occasions when I was told multiple times I would be able to waive escrow as a XXXX XXXX XXXX XXXX exempt from property taxes in the state of XXXX and that a waiver form would be provide at closing for me to sign. At closing they refused to waive escrow, then told me that as soon as I submitted my application to the county and my deed recorded they would remove the escrow account and refund my money and lied about that as well. Furthermore, they violated CFPB by forcing a montly escrow payment that is way beyond what is reasonably expected to be paid from the escrow account.
On XX/XX/XXXX I received a phone call from XXXX XXXX with Movement Mortgage. Movement Mortgage was my current lender of 3 years, and XXXX somehow saw that I was mortgage shopping. I was at the time in the middle of a loan processing with XXXX. XXXX wanted my business and told me that he could get me a lower rate ( based on what they were at that time ), and that rather than just a pre-qualification letter for me to take to sellers he would be able to do a pre-approval. I decided to give him my business as I had no issues with Movement up to that point. A decision I now very much regret.
From the very beginning of the process I told him that I was XXXX XXXX XXXX with the XXXX and exempt from property taxes in the state of XXXX, and that it was important to me that I not have an escrow account. I was not required to have one with the current mortgage I had with them, for the past three years.
Every time he sent me a revised good faith estimate I pointed out to him that it was showing amounts for an escrow account. Each time he assured me that it was just an estimate and that when it went to under writing and title it would be adjusted. I had no reason to doubt him.
My closing was scheduled for XX/XX/XXXX. I had already closed on my home in XXXX and all my household goods were in transit to XXXX. The evening of the XXXX I was sent closing documents to pre-sign. It included documents for an escrow account and added {$940.00} a month to my monthly mortgage payments. I emailed and called XXXX and told him I was not signing the documents until the escrow documents were removed and the docusign did not allow for partial signing. He said that was fine. He then sent two follow up emails telling me that an escrow waiver form would be waiting for me at closing. He even provided an example of what it was. Given everything that I had been through up to that point with this move and transaction I wasnt sure how closing would go and I had my realtor start looking for rental properties for me. I was financially invested, was at risk of losing XXXX XXXXXXXX XXXX XXXX if I had to rent and search for a new home, and the moving company was going to charge me {$1300.00} a day to hold my goods on the truck until I had a delivery location and date.
I showed up at closing with my realtor and my attorney. There was no escrow waiver waiting for me, I was told I had to escrow. I was not going to sign the documents. I was extremely upset and told XXXX it felt like a bait-and-switch. I was repeatedly lied to and promises made were not being kept.
XXXX was in communication with whomever he was communicating with, and my attorney called the XXXX XXXX tax office while at closing. The county stated the process was I could submit my application verifying my status as soon as I closed and my deed recorded. XXXX told me, my attorney, and my realtor that as soon as I did that I would be able to close my escrow account and get a refund. I foolishly trusted him once again.
He made it worse by lying in an email after the fact saying that he didnt mean to deceive or mislead me that he thought I was talking about the seller taxes. He knew EXACTLY what we were talking about. I told him during multiple conversations that I understood I would either be credited at closing and responsible for the taxes or they would collect the money from the seller for XXXX and pay the bill directly. Whether it was the seller taxes or my taxes an escrow waiver is an escrow waiver.
The XXXX bill owed by the seller was {$10000.00}. Instead of collecting it from the seller, what they did instead was reduce the amount of cash I had to bring to closing, then collected from me in settlement the first installment of {$4900.00} and paid it directly to XXXX XXXX, bringing the balance that would be due for XXXX down to {$1100.00}. They also collected an additional {$4100.00} from me to hold in escrow towards the 2nd installment rather than paying the bill in full. I have made one escrow payment of the {$940.00} with {$840.00} for taxes. That brings the balance down to {$340.00} for taxes. They show on the settlement statement that the estimated amount that will be due from the seller owned period for XXXX is {$3300.00}.
In accordance with what was required of me from the County and Movement as stated at closing the escrow account was to be closed and I would be responsible for the XXXX bill of {$3300.00} or whatever it turns out to be. With the escrow account in place what is reasonably expected to be paid from the account would have been the remaining {$1100.00} for XXXX and the {$3300.00} for XXXX. This does not calculate out to {$840.00} a month for estimated taxes XXXX out at the next tax cycle. If they had not promised I would not have to escrow or were going to refuse to keep their promises the escrow amount would have been the uncollected {$1100.00} + the estimated $ XXXX {$4500.00} divided by XXXX = {$380.00}. But the fact remains they did not keep their promises made to me. They are continuing to blame the county. The county has no jurisdiction over escrow accounts. Escrow accounts are completely discretionary for lendersand there was no reason whatsoever for them to NOT KEEP THEIR WORD.
They further collected a full year of insurance and a 4 month upfront towards XXXX. They tried to blame that on XXXX billing cycle. XXXX also could care less if I escrow. I paid a year up front and have been paying my insurance with them monthly for the past 4 yearsand monthly to other insurers prior to that.
I even told them I would pay the balance of the bill upfront for them to send to XXXX XXXX. I even agreed to pay up front the estimated amount for XXXX to get them to take the monthly escrow payment off my monthly payment. They refused.
The issue was escalated to XXXX XXXX. Who insisted that in all his years doing loans he has never seen or heard of an escrow account being waivedeven though it was waived on my previous loan WITH MOVEMENT. I also provided proof for him that on my last two homes I owned with different lenders escrow was also waived. I also told him that prior to that in XXXX I owned two homes one was rental with a XXXX loan and the other was my residence with a conventional loan. In both instances after 6 months of payments I was allowed to close escrowand paid my taxes and insurance myself. I would have to go back and pull my checking records to show I made the payments but I am prepared to do that. I had every reason to expect they would keep their word and I would not have to make monthly escrow payments or have an escrow account.
The bottom line is, they made assurances in order to get my business and keep it. They made assurances in writing twice the day before closing, and then again verbally at the closing with my attorney and realtor as witnessesand Movement is NOT keeping their word and trying to collect {$940.00} a month from me all the way until next XXXX. They are violating Consumer Finance Protection laws that state they are only allowed to collect what they know is reasonably expected to be paid from the escrow account. They KNOW that based on XXXX state law I will not owe property taxes for more than the first 4 months.
When I financed my home I put a {$200000.00} down payment and financed a larger amount in order to hold money back for home repairs. This resulted in a higher loan amount and monthly paymentand the added {$940.00} is putting an additional financial burden on me as I have XXXX grandchildren living with me that I support. Had I known they were going to do this to me I would have put more down and reduced my loan amount. It is LUDICROUS that they are putting me through this and refusing to just honor what I was told. There is XXXX risk of loss to them unless I stop making my monthly mortgage payment and am prepared to lose the {$200000.00} I put and into the home. I am permanently XXXX and unless the state of XXXX reverses their law exempting veterans form property taxes I will never owe taxes in XXXX as long as I submit the application every year as required.
Over the weekend I submitted my complaint to the CEO and other leadership at Movement Mortgage. The response I got from XXXX XXXX was they are investigating why escrow was waived on my last loan with them and revisiting the XXXX XXXX tax filing process. I informed him that what was different on my last loan was the loan officer and the underwriter that understood STATE LAW. XXXX has the exact same exemption for XXXX XXXX and the exact same process with the exception that you only have to apply once. The county is not going to change their process and it stands to reason they do not provide a letter stating you are exemptit is the state law
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| 07/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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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
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| 08/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I bank with XXXX XXXX XXXXXXXX and use their online bill pay feature to pay all of my bills including mortgage payments. I regularly pay more than the minimum due. I recently purchased a home and sent my first mortgage payment ( more than the minimum payment ) to Movement Mortgage company on XX/XX/XXXX. The payments are due on XX/XX/XXXX ( late on XX/XX/XXXX ).
Because I previously had a mortgage with this company, I had two accounts set up for online bill pay through my banking institutionXXXX XXXX XXXX XXXXXXXX. One account for the old mortgage and one account for the new mortgage.
I inadvertently sent my payment to the wrong account number. I was notified by email at the end of XXXX that MovemenXXXX had not received my payment. I immediately logged into my XXXX XXXXXXXX XXXX account to see what happened. That's when I realized my mistake. I immediately created an automatic recurring payment to be sent to the CORRECT account at Movement Mortgage on the 2nd of every month so this would never happen again. Then, I replied on XX/XX/XXXX to the email from Movement mortgage to explain what I had done, sent them proof of my XX/XX/XXXX payment, and asked them to apply the funds to the correct account. ( see attached email thread ).
I was told they would research and let me know once they were able to confirm the funds were applied to the correct account. After following up several times by email and phone calls, I was able to get confirmation from Movement Mortgage rep that the payment had been located and applied to the correct account. ( see attached email ) I thought everything was fine, but I was SO wrong!
In XXXX, I began getting calls and emails from Movement Mortgage about not having paid my mortgage payments. Every time I got a call or email, I responded right away. I was never able to speak with the same person twice and every rep I spoke with had little to no information from my previous calls, or did not have the call log from previous conversations so I had to repeat myself over and over with each new rep. Every time I spoke with the Movement Mortgage reps, I told them I was concerned that this was going to negatively affect my credit score. Every time, I was told that it wouldn't and that they had placed a hold on the credit reporting while this was being researched.
Each Movement Mortgage rep I spoke with had a different request of me regarding how to clear up the situation. First, I was told to pay the payment over the phone with the Movement rep to avoid any issues. I explained that I never received the original payment back from them so I couldn't afford to pay again. Then, I was told to email them proof of the payments for XXXX and XXXX and I did so immediately ( see attached email ).
I continued to receive more calls and emails about missing payments. Next, I was told they could only accept proof of payment via fax. So, I asked XXXX XXXX XXXX to fax proof to them which they did ( see attached ). I complied EVERY time with every request but, they continued to call and email to let me know that my payments were not being received. And every time I spoke with someone, I was told a different payment was missing and that they needed proof of payment if I indeed had sent the payments.
Out of frustration, I ended up calling XXXX XXXX XXXX to have a conference call with Movement Mortgage so that XXXX XXXXXXXX XXXX could hear exactly what Movement was requesting and get it directly to them. During that phone call, the XXXX XXXX XXXXXXXX rep and I were told ( for the first time ) that Movement Mortgage 's policy is to place a block on an account that they are researching and that is why my subsequent payments were not being received by them. Both the XXXX XXXX XXXXXXXX rep and I asked them to confirm that my next ( XXXX ) payment which was already scheduled to be sent would not be blocked. They told us it should be fine. It was NOT! My XXXX payment was blocked by Movement Mortgage!
Bank XXXX XXXX and I continued to call and email Movement Mortgage attempting to remedy this issue. I asked to speak with supervisors and finally spoke with a couple of different people whom I was told were supervisors. As always, I expressed my concern about my credit score being negatively affected. Neither of them were able to help but both of them made promises that didn't happen. I was actually promised in an email ( see attached ) that my credit would not be affected, but this was AFTER they already reported a 30 day late to the credit bureaus causing my credit to drop by a whopping XXXX points!!!!
I called and emailed Movement Mortgage to tell them I was FURIOUS about the negative credit reporting and that I wanted this reversed, my credit restored and this issue taken care of once and for all. Again, I was told they would research it and get back to me within 3 business days. Since that call was on a Thursday, I had to wait until the next week to get any response. By the following week, more of the same ... NOTHING RESOLVED! Further, my XXXX mortgage payment which was sent to Movement Mortgage ON TIME, was blocked!
Again, I called XXXX XXXX XXXXXXXX to speak with one of their supervisors for help. His name is XXXX, he was very helpful and we conference called over to Movement Mortgage again. We were transferred and had to repeat our issue each time and were given different information each time. We finally spoke with a supervisor named XXXX ( who apparently didn't have access to any of the information necessary to help us ). The XXXX XXXX XXXX rep, XXXX, confirmed again that I had NEVER paid my mortgage payments late and he provided account, routing, and trace numbers to the supervisor, XXXX, for each ON TIME payment made to Movement Mortgage. She told us that she would have to leave a message for the supervisor in a different department to reach out to me the next day since this was not something she could help with. She told me XXXX was the supervisor who would contact me. This is the same supervisor I had previously spoken and emailed with to no avail. In fact, she had not responded to my most recent email. And of course, I never heard from that supervisor, XXXX nor ANYONE at Movement Mortgage.
Now for a little perspective, I am a XXXX XXXX XXXX, have been licensed for nearly 30 years and XXXX XXXX XXXX XXXX XXXX XXXX. I deal with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have NEVER EVER encountered a company where EVERY SINGLE employee is incompetent, uninformed, non-communicative and untrained.
Another concerning issue is that even with ALL my years of experience, I am unable to get ANY results ... just imagine the typical consumer who would likely not have any idea about what questions to ask nor where to go for assistance.
This company should be shut down!!!!!! NO CONSUMER SHOULD EVERY HAVE TO GO THROUGH THIS. I have spent so many hours on this problem that it has become a part-time job ( I don't get paid for ) IN ADDITION TO my full-time job. It has caused me to lose precious time with my young son, it has damaged my credit, it has caused me to be unable to get credit/loans for renovations I am in the middle of, it has caused me sleepless nights and extreme amounts of stress in addition to my already stressful job. And worst of all I am trapped with this TERRIBLE, HORRIBLE, NO GOOD, VERY BAD mortgage company because I can't refinance away from them now that they have ruined my credit!
PLEASE, PLEASE, PLEASE take away their license to conduct business and protect other consumers from the TORTURE of having to ever deal with this company!!!!!
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| 05/24/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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Im writing because on Friday XX/XX/XXXX I viewed a home at XXXX XXXX XXXX XXXX XXXX XXXX, NC that was for sale with XXXX XXXX I advised that I love the home and I was interested in moving forward I explained to her I was on maternity leave but I was receiving XXXX for me and my son and I just got my award letter stating I was XXXX since XXXX plus I get child support. She advised me to contact the lender XXXX XXXX XXXX # XXXX which I did even though it was after XXXX XXXX once I viewed the home. I contacted her ( this call was recorded on my app on my phone ) and explained everything to her and that my daughter is only XXXX XXXX old but I still have my job on the military base at the XXXX and I get around {$2600.00} in XXXX for me and my son. I advised that I can put {$10000.00} - {$15000.00} down right now because XXXX just gave me around {$17000.00} in back pay. I was willing to do what it took to get this home for {$200000.00} I even told her I will put {$50000.00} down through text message because Im getting more back pay anytime now. I advised her I was gon na pay off my debt and my credit will be in the XXXX it was XXXX before I got in debt and that was 2 years ago. I have nothing bad on my credit since I was XXXX XXXX XXXX I pay everything on time I have about 13 credit cards and installment loans. I advised I was gon na be able to pay off my debit plus put a decent amount of a down payment up to {$50000.00} if I had too. I love the home because it was in a cul-de-sac a police was across the street, the big closet spaces because I have a lot of shoes and clothes, it has 3 bedrooms plus a bonus room I have a XXXX XXXX XXXX plus my son thats XXXX XXXX XXXX. It has a fence in back yard the kitchen was lovely I just loved this home once I set my mind to something I want I strive my best to get it. I advised her that I had no inquiries on my credit report and I was really proud about that I told everything up front truthfully. She said she can definitely help me as long as I pay off my debit at closing she told me she can get me a preapproval letter over the weekend because Saturday was the next day so just go ahead and fill out the application. So I got home filled it out even though I was tired from dealing with a newborn all day plus my son and I have XXXX as well as my son. I filled the application out and contacted XXXX in the morning on XX/XX/XXXX, to advise that I did the application because homes are going very fast know I wanted to put in my strong offer with my realtor I just met. Soon as she pulled my application she advised she could not help me through text messages because I was on maternity leave and we could revisit once I return back to work. That triggered me my XXXX, XXXX and my XXXX. I told her that was discrimination plus if she would told me that I would never ran my credit. I dont just run my credit she was confident that she could help me get this home on the weekend. She only was able to pull two credit bureaus because I had to unfreeze them all but for some reason one was still frozen. She did not tell me how much I qualified for and I still dont know after she told me she couldnt help me because I was on maternity leave. I asked was it my credit and she was like your credit is fine. I went through something like this when in was pregnant with my son thats now XXXX being discriminated against because of my children it trigger me and put me in a very dark place with XXXX and severe XXXX all weekend with severe XXXX XXXX. I did contact XXXX XXXX and XXXX XXXX panicking trying to get the hope since my credit was already ran I honestly couldnt think straight because so many things were effecting me. I advised XXXX XXXX and XXXX XXXX did it matter I was on maternity leave and they said no. XXXX XXXX did give me a preapproval letter for {$230000.00} but about time I got it, it was too late they stop taken offers on the home around XXXX XXXX. on Saturday XX/XX/XXXX. I feel discriminated against for having a child. I have just a right as a man to get a home or a woman with out children its my right to have children and to be on Maternity leave. I would be back at work about time the home closed. She had my hopes high and ran my credit and just like that told me Im on maternity leave when can revisit once your back at work with 2 bureaus information even advised her I would return to work sooner put {$50000.00} down to qualify. I been staying with my mother so I just really needed this home for me and my children they are my life. I had two XXXX back to back before my daughter. I been through a lot and she act as if she could help me and then turn around and make me feel bad for having her and being on maternity leave. She told me after she pulled my credit and she couldnt help me that she was with her daughter like trying to brush me off. I kept texting anyway and she finally told me we can meet Monday but after she told me all those things I was feeling very XXXX and XXXX I dont want to meet with her it was too late the damage was already done to me. I dont even want to look at anymore homes or anything right now and I advised the realtor that even though I have a preapproval with XXXX XXXX but it was too late for that home. I just feel horrible and Im trying to get my therapist on the phone and my XXXX because this is the worst I ever felt in a long time and I even had to take my XXXX pills and I try not to take them because Im breastfeeding my daughter. My XXXX is XXXX so bad I can barely take care of my daughter or son the whole weekend and still today and its Monday. I really want this home for them not for me it was just perfect in a cul-de-sac and a police across street with fence in back yard and enough closet space in the master bedroom and bonus room it was a dream. I wouldnt even wasted my time running my credit or anything if she was gon na deny me for that home and not consider my job because I was on maternity leave only my XXXX and child support she knew it was the weekend and everything. I recorded her stating the night before she could help despite it being Saturday. I wouldnt of ran my credit right now if I knew I had to be working according to her. I really need these inquiries off my credit and something done for everything I went through and going through before I take further action. I have her recorded ( Not against the law in the state of NC to record ) and her text message. Thank you for your time. Have a wonderful day and please be safe.
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| 08/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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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
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| 11/15/2022 |
Yes |
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Web |
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On XX/XX/XXXX, an attorney requested the Pennsylvania Bankruptcy courts for a XXXX stay on the sheriff 's sale of my elderly parent 's home as a cause of the pandemic their business closed permanently. Then my father had a bad side effect of the vaccine which added additional costs medication {$2000.00} out of pocket every month health for an XXXX man and XXXX wife my mother and father. So I had 90 days to find a mortgage apply qualify approve and close all before the XXXX stay on XX/XX/XXXX XXXX XXXX Sheriff sale. With no time to spare we settled on Monday, XXXX the XXXX at XXXX XXXX XXXX I was referred to Movement Mortgage, by XXXX XXXX I believe he is the owner of the franchise Movement is a bank, broker, and lender. XXXX started the process immediately however I was well prepared with my documents so in no time we progressed quickly. By the third of XXXX, a woman by the name of XXXX had called me introducing herself as the Title company and what she said was textbook straightforward, she said she was going to pull the title Check for liens, then prepare a pre-title report. and distribute one to me as the buyer and one to my parents as the seller. XXXX said that she would call me back as so as the report was done so we could review then make decisions on it validation and correctness. A month passed and the mortgage loan assistant XXXX called me and said that we would have to raise the mortgage amount because of tax liens and let it as that. So I request a copy of the pre-title report promised to the seller and buyer a month prior. I did not receive the report nor did my parents and no call came either from XXXX. XXXX called me and asked if I knew anything about a second mortgage so I told her I would look into it and I asked for a list of all the liens that were changing the purchase price from {$300.00} to {$390000.00}. XXXX came and went still my request to know what I was paying for was denied. I asked XXXX XXXX XXXX while I was totally burdened with work to finish I started to complain about a {$4100.00} Price tag for Title and she has not delivered as promised, The owner XXXX was no help he would yell, and raise his voice if I didn't produce documents fast enough yet my only request was for the title company and mortgage company to full disclose important information regarding the loan amount that now jumped to {$390.00} plus {$18000.00} due at closing. Well, XXXX finished out and underwriting gave the green to close on Thursday Monday was the day to settle. On Friday I spoke with the loan Assistant XXXX and I said I demand that you give me the pre-title report I want to see what's going on The amount was {$73000.00} that I had requested and taken out on loan to pay back and still had no idea what I was paying for! XXXX the loan assistant told me that she would send the liens to my email address on Friday afternoon which she lied to me about. Still Monday morning now the day of settlement The title agent emails and states that if the liens are not paid we will Lose the house to XXXX XXXX XXXX XXXX and XXXX state the same and tell me not to worry about the liens I can come back to them later. Now it's XXXX the XXXX 2 months 3 weeks had passed from the original conversation that I had when XXXX called from Clear to close the Settlement company in XXXX Pa when she informed me of the procedure and protocols it's the law to disclose the findings of the titile company that I had to Pay {$4100.00} because no matter how many times I said I didn't want the additional owner insurance they refused to take that off the settlement sheet after numerous request. {$1200.00} The corporate office in South Carolina did my underwritten and XXXX was the processor. Movement Mortgage had already charged me a percentage for the loan amount underwritten was include however I was billed {$990.00} regardless of how many times I asked to have that removed, I finally received the liens 5 of them via email at XXXX ; XXXX just XXXX minutes before the title clerk arrived. The last lien for XXXX XXXX of {$48000.00} was received XXXX hours after the settlement had ended Via email. Monday afternoon I asked XXXX if my attorney had picked XXXX for the title because he was the only one I gave permission to hire a title company complaining that she fail it disclose {$78000.00} in Liens to myself and both my parents we were held hostage we had no rights what so ever. and we did not receive due and timely notice The {$48000.00} second and all the liens would have come off if we had the opportunity to address them with the bankruptcy attorney because in XXXX my parents sold a commercial building that had sold with a larger surplus! At The XXXX XXXX sheriff 's office in XX/XX/XXXX Im also complain that the surplus was taken no monies were given to my parents I was the under bidder it sold for {$330000.00} with {$210000.00} covering all the liens secured and seconds the {$48000.00} XXXX XXXX is mentioned in XXXX XXXX as {$000.00} on line XXXX and line XXXX of XXXX XXXX my parents are in. Two days after Closing I spoke with the Owner of the franchise movement mortgage located in XXXX XXXX Pa XXXX on XXXX XXXX. XXXX XXXX said and I quote '' we were worried that your parents and you were going to lose the house by sheriff sale if we would have given you the lien information. You can address that later. That is a poor justifcation for these 3 working together all the time and they have abused 2 elderly adults and have refused us our rite to disclose information and give us the due process of the law acted discriminatly.I believe since the ability to address {$71000.00} in liens was never given to use myself and parent 's I believe the three who worked together and held us up giving us no choice but to pay or lose the house, they should be made responsible to pay all the liens for taking part in something so unethical. We expect some return cash out of settlement that I already committed for my parents and we feel robbed violated and cheated these people, bankers and title company should me made responsible thank you.
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| 07/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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In XX/XX/2020, I applied for a mortgage with Movement Mortgage. From the beginning of the mortgage process, I made it clear that I wanted to apply for the Mortgage Credit Certificate Program ( MCC ). Exhibit A shows an email conversation in which the documents are mentioned, and I ask for confirmation. I am dismissed and told " We will submit the required paperwork and it should be approved with no problem. '' We went to closing, and I was under the impression that all was well. On XX/XX/2020, the mortgage broker, XXXX XXXX, contacted me ( Exhibit B, page 5 ) mentioned they noticed a document had been missed at closing and asked that I get the document signed no notarized. There was no mention of the document 's purpose or the time frame in which it needed to executed. I received no response regarding the document 's processing. On XX/XX/2020, I received two checks in the mail from Movement Mortgage with no correspondence aside from a notation on the check slip that said " MCC Refund. '' I contacted my mortgage broker asking why I had received the checks and questioning the status of my MCC tax credit ( Exhibit C ). I was asked to call him and then informed that my MCC tax credit had not been processed due to an error in the paperwork. The mortgage broker gave me contact information for his manger and told me, " off the record, '' that I should throw around threats to sue. I then had a useless email and telephone exchange with XXXX XXXX, the regional manager ( Exhibit D ). I was then put in touch with XXXX XXXX, the vice president of client solutions. I was told he would need to complete an audit to determine what happened and would get back to me. I explained that at this point I had already spoken with the DE Housing Authority and had been informed that an appeal was not possible. The DE Housing Authority also informed me that they had notified the company and provided a grace period to submit the necessary documents. Mortgage Movement had never informed me of this issue. I only learned of the error after I called to ask whey I had received checks without explanation. I told XXXX I found the lack of transparency and communication unforgivable. XXXX told me to deposit the checks, but I only did so after putting in writing that my acceptance of the refund checks in no way expressed any satisfaction or agreement to anything on my part. After his audit, I presume he found the company to be at fault, XXXX offered a no cost to me refinance. I expressed my concern about doing continued business with such the company and asked that the company research the possibility of an appeal ( Exhibit E ). I also want to mention that XXXX repeatedly urged me to sign the refinance offer and even generated the paperwork without my consent despite the fact that I stated my preference was an appeal and I wanted my accountant to review the offer. I felt very pressured to sign the refinance. XXXX kept telling me to sign to lock the rate and I could back out later. I found that advise to be irresponsible and stressful. The company 's attorney, XXXX XXXX, informed me that an appeal was not possible. On a call with XXXX, I expressed my concern regarding doing business with the company and my hesitation to have an appraiser come into my home during the pandemic. I also mentioned that I found it odd that another appraisal was necessary for the refinance since we had just completed one for the initial closing in XXXX. At this point, XXXX asked me to put my demand in writing ( Exhibit F ). Per his request, I put my demand in writing. In my demand I outlined the issue and pointed out that the savings provided by the refinance they offered did not equal my loss. Since the error was completely on the part of the company, I requested the total amount of my loss ( Exhibit G ). With my demand letter, I attached the calculations completed by accountant, XXXX XXXX, a certified public accountant and CFO. He demonstrated the savings I would receive with the refinance offer and the savings I was eligible for through the MCC. He based his calculations on the thirty year life of the loan ( Exhibit H ). I also want to state that I was open to payment options that would have mimicked the benefit of the MCC, but the company did not even offer to consider any such options. The company responded to my demand letter with a call from their attorney. XXXX informed me that my demand was unrealistic for two reasons : 1. The 30 year life of the loan would likely not be reached, due to a sale or refinance and 2. I had a responsibility to mitigate my damages. At this point, I felt totally dismissed by the company and began to research my options. I contacted the DE Housing authority to confirm that there was truly no appeal process and to obtain their timeline of my application 's processing ( Exhibit I ). On XX/XX/2020, I submitted a second demand letter ( Exhibit J ) addressing XXXX 's points regrading my first demand letter. I thoroughly addressed the totally hypothetical concerns she raised about the thirty year life of the loan not being reached, and I pointed out that with the MCC and my current interest rate, I would need an extremely low interest rate to make a refinance desirable. Again, my accountant ran a scenario to demonstrate what interest rate I would need to refinance at in order to achieve a better savings than my current rate and the MMC ( Exhibit K ). On XX/XX/2020, I filed a complaint with the DE State Bank Commissioner. On XX/XX/2020, I received the company 's response to my second demand letter. I was told my calculations were purely speculative and that the offer to refinance was still available ( Exhibit M ). I responded to their letter with an email outlining my disagreement with their position and decided to file this complaint ( Exhibit N. )
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| 02/06/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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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.
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| 11/23/2021 |
Yes |
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Web |
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I was informed on XX/XX/2021 by XXXX XXXX loan XXXX for movement mortgage that my XXXX XXXX was XXXX and I no longer qualified for a FHA loan that I was approved for previously XXXX weeks from closing. The loan process was arduous for months with movement, I made several complaints via email until movement staff just stopped answering emails and texts. I repeatedly asked for proof of the alleged XXXX score and never reciveed an valid and reliable proof from movement other than a screen shot with no identifiable information or demographics on it just XXXX numbers to me via email on XXXX from XXXX XXXX. I repeatedly asked and never received a valid form of the consumer XXXX XXXX report. Movement Mortgage forwarded me the adverse action and termination of my loan on XX/XX/XXXX and wrote a XXXX XXXX of XXXX however still have not provided the original document to me for my reference. As a result my family is homeless and has suffered immense amount of anguish and instability with XXXX young children as a result of repeated refusal to answer my questions during the loan process, serious lack of transparency and integrity throughout the loan process and eventually movement ceased communication with me via email or verbally from individuals that were processing my loan. I wrote in an email and requested the internal complaint process to meet the minimal expectation to allow Movement Mortgage to address my complaint in multiple concerns throughout this closing and loan process with Movement Mortgage as their internal complaint process is not online, they did not forward the internal complaint process in any document during the loan process. I did not receive an email forwarding me to any place where I could read about their internal complaint process instead I received a phone call from a man named XXXX XXXX who stated that he worked in solutions. I did not know at that time that XXXX XXXX 's job was not to take a complaint as he never even inquired as to the issues with movement or how he would be able to assist or address the concerns that I had and had voice via email multiple times but his job was to forward me a non-disclosure agreement which I asked him is that document which is what he was referring to as a settlement form I never asked for a settlement what I asked for was refunding of my rate lock which I was entitled to because I was declined a home that I had previously paid for the rate lock for. XXXX XXXX knew informed me that movement would be refunding me my lock rate and it did not occur, instead I was emailed a non-disclosure and bullied into silence if I wanted my refund of my lock rate.
Furthermore once I requested a refund of my rate lock that I had paid for previously I was contacted by an individual named XXXX XXXX and he stated that he worked in solutions for Movement Mortgage and informed me that he would be forwarding me a settlement form and that I would receive my {$1000.00} payment refund for my rate lock on the property that I was declined a home loan for through movement if I signed the settlement agreement. When I read the settlement agreement it was in regards to my complaint of XXXX discrimination and retaliation complaint that I was raising with movement. Movement was aware that I was going to file a complaint if they continue to discriminate and retaliate against me to XXXX XXXX where they included the refunding of my rate lock on a home that I did not qualify for with movement as a means to send me from whistleblowing and retaliate against me by holding this money that I so desperately need and am entitled to as the loan process has been declined for this property so there is no rate to lock as I was declined the loan for the home per movements agreement they must refund me the lock rate within 10 days of the loan closing the long closed on XX/XX/XXXX per the long closure document that they forwarded to me via email. Please rectify as I have tried multiple times via email with movement into a no avail they continue to retaliate against me and discriminate against me and now are holding my rate lock that I am legally entitled to as my loan was declined for this property that I was locking the rate for per movements report that I no longer qualified for movement is bullying me and sent me a settlement as a form of non-disclosure to shun me from reporting them to this authority please see emails and assist expeditiously. I am sure movement has a history of having previous home loan applicants sign these settlement disclosures as a means to cause consumers that have complaints about their business practice in order to shun and silence them from complaining as you will see in the non-disclosure document I never asked for a settlement they tied my complaint/dispute of discrimination and retaliation to my request for refund of my rate lock which is illegal, unethical, and retaliatory. XXXX XXXX informed me that anytime a consumer request a refund and they have a complaint that in order to get their refund that they are entitled to they must sign the settlement disclosure first it is as if Movement Mortgage is bullying me to silence and to not report them this is egregious and illegal please take legal action against Movement Mortgage.
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| 07/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This situation is unusual but, ultimately, the gross negligence of the lender and its agents were the source of monetary and emotional damages as to which the lender refuses to offer any consideration whatsoever.
Our home sits across two separate legal and tax parcels, XXXX XXXX and XXXX XXXX. Accordingly, when we closed on the loan three years ago, we fully disclosed the nature of our land estate and we properly executed documentation that would provide the lender with a first lien right on BOTH parcels.
Unbeknownst to us at closing, the lender 's title company only recorded the lien against XXXX XXXX. They completely and negligently forgot to file the lien against XXXX XXXX.
On account of the title company 's negligence, when the loan servicer calculated the monthly escrow impounds for our loan, they only incorporated an allocation of the property taxes on XXXX XXXX. The taxes that would be due on XXXX XXXX were never included in the escrow calculation.
In light of the foregoing, for three years, I made timely monthly payments of principal, interest and impounds without any idea that there was a problem with my loan servicing. Meanwhile, twice a year, the lender was tendering the property taxes due on XXXX without realizing that taxes were not being paid on the other half of their collateral, i.e. XXXX XXXX.
For three years, nobody paid taxes on XXXX and XXXX XXXX never sent me or the lender a late notice or otherwise informed either of us that XXXX was in serious default.
Finally, with property taxes on XXXX unpaid for three years, the County sold a tax lien on that parcel to an investor group from out of state. XXXX XXXX was scheduled for foreclosure.
Only a few weeks prior to foreclosure was I notified for the first time that taxes were delinquent on half my property. Notice came to me in the form of a letter from the attorney representing the investor group and basically telling me to pack up and move out in anticipation of the imminent foreclosure.
Upon reading this letter my wife and I were horrified. We were so confused and scared and shocked. We were completely ambushed by this letter and my wife experienced a severe emotional breakdown that XXXX her for more than a week. She was crying ; she was hysterical ; she blamed me for not paying our mortgage as and when due. I did not know what to tell her and I could not prove to her that I had done nothing wrong.
Of course, I immediately reached out to Movement Mortgage and I told them that, if they did not immediately address this situation, they would lose their collateral, I would lose my home, we would have no means by which to repay our mortgage loan and the potential for a lawsuit was obvious to everyone. At the time, it was not clear that we had a redemption right, by law, but, fortunately, the investor group was happy to accept payment so long as we fully repaid their purchase amount, 100 % of their legal fees, and a component of profit for their investment. The County also imposed late fees and penalties for our late tax payments.
To their credit, Movement did jump on this matter fast. And they did take full responsibility for any legal fees, late fees and past due penalties. However, they are asking me to pay 100 % of the taxes due on XXXX because, in their view, had the filing error never happened, I would have paid all of the XXXX taxes through my monthly escrow impounds.
I understand their logic, and I am not unwilling to pay the bulk of the historic taxes ( so long as they are spread out for a year or two, in order to keep my monthly payment manageable ). HOWEVER, because of the lender 's gross negligence, my wife and I definitely incurred damages and we think it is outrageous that they should " value '' our damages at zero : 1. Our credit ratings have taken a big adverse hit because we were so tardy with our taxes. Now we will pay much more for any borrowings if we can even qualify for credit when the lender notices that we were deadbeats on our taxes for three years.
2. We spent dozens of hours addressing this situation from the moment the attorney 's letter arrived and for many months thereafter. These many hours of work obviously had to be expended on an " emergency '' basis because we were on the cusp of foreclosure and forfeiture of our primary residence. Other matters had to be shoved aside while we attended to this one, suddenly paramount, item all because of our lender 's gross negligence.
3. The whole episode was devastating emotionally to my wife. She still isn't over it. She was XXXX, depressed, scared, angry at me and Movement and could not easily get past this narrow escape from losing our home.
I know it is not easy to put a number on our damages but, the number is not XXXX. My wife is still not over it. She is scared to pick-up the mail each day lest their be some letter from some lawyer informing us that our home is in foreclosure.
All of this has been explained to Movement but, they finally sent me an email saying that they are not going to do anything about it. As far as they are concerned, disaster was averted and now they feel like they don't owe us anything.
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| 02/26/2019 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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I received a XXXX loan in my mortgage for home repairs. I went to settlement and was waiting for the first payment to be paid to the contractor and I was told by HUD that I needed to secure the permits for the property but when I went to secure the permits, the City had the property listed as a commercial property and the other two apartments are not a part of the property. The loan was given to me with the intentions that I would have the 4 units rented. I called XXXX of XXXX XXXX XXXX XXXX to let her know what the City stated and was told, " They could not release the funding due to FHA guidelines. I was told that the two other units does not exist so I brought a home for an amount that is not worth the amount the mortgage is. No one checked the property line and now the mortgage company is asking for payments and I am unable to live in the property due to mold and other things that was supposed to be covered under the XXXX loan. Also, the bank went off me making income from all 4 of these units and I don't make enough currently with just my current job to pay the mortgage payment for this property. I was told by XXXX to call HUD to see what I can do about this situation. HUD told me there was nothing that they could do to help me.
XXXX XXXX XXXX XXXX, Pa XXXX Timeline XX/XX/XXXX Showing of XXXX XXXX with XXXX XXXX ( my agent ) XX/XX/XXXX Pre-approval given by Movement Mortgage XX/XX/XXXX XXXX reaches out to XXXX XXXX ( loan officer ) about a XXXX loan for a 4 unit mixed used propertyXX/XX/XXXX I sign the Standard Agreement for Sale of Real Estate with my agent XX/XX/XXXX I am asked to sign mortgage dos and request that my agent reviews then firstXX/XX/XXXX I inquire about the {$2000.00} deposit and if it is included in the {$12000.00} closing costs XX/XX/XXXX I request information from the loan officer about including the first three payments into the mortgage to cover costs during the time the building is being repaired XX/XX/XXXX Me, XXXX of XXXX XXXX XXXX XXXX, XXXX and XXXX of XXXX XXXX XXXX XXXX meet at the property and complete a walkthrough of the entire building excluding the commercial space. Two tenants are observed living in the property in two separate units. I pay {$570.00} and {$390.00} to the consultant.XX/XX/XXXX XXXX XXXX XXXX XXXX submit their bidXX/XX/XXXX I receive the inspection report from the XXXX XXXX XX/XX/XXXX I pay the seller the 2nd {$1000.00} deposit XX/XX/XXXX A bid of {$87.00}, XXXX is submitted and the loan officer inquires if the amount is acceptable to me because it is XXXX over what the XXXX consultant suggested XX/XX/XXXX the contractor replies that he was asked to include additional itemsXX/XX/XXXX I reach out to the contractor and schedule a meeting to discuss the bid XX/XX/XXXX Per the loan officers request, I file taxes XX/XX/XXXXXXXX asks XXXX to schedule the appraisal XX/XX/XXXX appraisal orderedXX/XX/XXXX Contractors profile completed. XXXX XXXX XXXX XXXX XXXX XXXX inquires about the status of the closing XX/XX/XXXX XXXX announces the appraisal is in and awaiting approvalXX/XX/XXXX XXXX XXXX XXXX sends additional documents XX/XX/XXXX XXXX provides the sellers realtor an update XX/XX/XXXX XXXX emails XXXX about the status of the appraisal and XXXX shares that the appraiser added adjustments to make the comps higher and they are awaiting approval XX/XX/XXXX XXXX asks me to contact XXXX XXXX for insurance. I am asked to say the commercial space is being converted to obtain a lower quote and get better insurance after closing. The initial quote is rejected, and a second quote is sent.
XX/XX/XXXX I am told that my student loan payments need to be lowered for my debt to income ratio. XXXX calls the loan company with me on a conference call and walks me through the process.
XX/XX/XXXX I am asked to pay off my car loan in order to qualify for the mortgage XX/XX/XXXXXXXX requests a closing disclosure from XXXX XXXX XXXX XXXX XXXX XXXX.
XX/XX/XXXX I am asked to borrow money for closing and get gift letters from the lenders.
XX/XX/XXXX I close on the property. During closing, the sellers realtor discloses that the one tenants never pays and you will have to get him out of there and the other guys pays.
XX/XX/XXXX I reach out to the tenants and am told by both parties that they have not paid rent in some time. I also contact the loan officer about increasing my insurance and having it included in the mortgage payment. I am told I can not do so and must pay out of pocket.
XX/XX/XXXXXXXX refunds the payment for the appraisal.
XX/XX/XXXX I complete a walkthrough of the property with the contractors who are shocked to learn tenants remain in the property.
XX/XX/XXXX I request evictions templates from my realtor. He informs me to obtain a renters license.
XX/XX/XXXX I inform Movement Mortgage of the intent to switch contractors due to inconsistencies over the request for a material draw and anger over the inconvenience of tenants in the property.
XX/XX/XXXX walkthrough of property with prospective contractor
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| 08/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Servicemember |
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FROM : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX COMPLAINT AGAINST : Movement Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX INTRODUCTION : Fundamentally, this is a complaint against Movement Mortgage and their agent, XXXX XXXX for repeatedly making assurances, ( buy both a letter of agreement, and verbally ) misrepresenting their willingness to support an agreement to provide a real-estate loan. Their actions not only disadvantaged the buyer ( Mr. XXXX XXXX ), but deprived the various agents of recompense for their hard work, and financially disrupted the sellers ( Mr. & Mrs. XXXX ) efforts to shed the financial burden of fallow real-estate.
STATEMENT OF FACTS : Although we ( the seller ) are not the primary party in this loan agreement arraignment, the repercussions of the lender reneging on their promised performance were far reaching amongst all the parties to this intended transaction.
On XX/XX/2020, we ( the seller ) receive a Purchase Agreement from XXXX XXXX XXXX to buy our home in XXXX, VA. The Buyer ( Mr. XXXX XXXX ) was provided a Pre-Approved Letter from XXXX XXXX who is the Mortgage Loan Officer at Movement Mortgage, dated XX/XX/2020 ( This has been uploaded ). This Pre-Approved Letter was accepted by all the parties in good faith.
In good faith, we ( the seller ) assumed that the Lender had followed standard business practices and performed their due diligence on the Buyer before tendering a loan offer to the buyer. To that effect, the buyer and seller set a closing date to occur on Monday, XX/XX/2020.
We ( the Sellers ) did respond to our Real Estate agent within a 24-hour period to ensure everything was in order so that the Close of our home would go smoothly.
On Monday, XX/XX/2020, we were told by our Real Estate agent ( XXXX XXXX of XXXX XXXX ) that the Lender ( Movement Mortgage ) informed him that we would not be able close.
The Lender ( Movement Mortgage ) contended that they did not have the paperwork together. From our understanding, the Lender ( Movement Mortgage ) had been quite difficult to work with as they failed to respond in a timely manner on numerous occasions.
On either XX/XX/2020 or XX/XX/2020, our Real Estate Agent informed us that the Lender ( Movement Mortgage ) had questions about the money the Buyer was getting from his fiancees tax refund ( or tax return ). From our perspective, that question should have been identified and resolved at least two weeks prior to our closing date. We also understood that the supervisors at Movement Mortgage where involved in trying to settle the unresolved problems that had occurred, in an effort to evade contractual obligation.
Friday, XX/XX/2020. The Buyer ( Mr. XXXX ) made a remedial effort to salvage the sale. He went to another Lender on short notice, where he was told he would not qualify for a loan.
Impact of Events : As a direct result of Movement Mortgage, in particular the Mortgage Loan Officer, XXXX XXXX odious negligent malfeasance has impacted : 4 companies ( Movement Mortgage, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ).
The lives of 10 people ( to include the XXXX children of Mr. XXXX ).
Below is a financial summary of what was lost as a direct result of Movement Mortgage gross negligence ( *denotes approximate amounts ) : Us ( the Sellers ) {$10000.00} XXXX XXXX {$10000.00} * XXXX XXXX XXXX {$10000.00} * XXXX XXXX XXXX XXXX {$8000.00} * XXXX XXXX XXXX XXXX {$8000.00} * TOTAL : {$46.00}, XXXX * The amount above does not include what Movement Mortgage company would have gained if they did their jobs correctly, nor what the XXXX XXXX would have received.
Extreme Emotional Distress : We cant speak for everybody involved, but as a result of Movement Mortgage negligence did cause extreme emotional distress.
For us ( the Sellers ) we had to quickly figure out how to come up the funds to pay for a Semester at the University XXXX XXXX.
For the Buyer ( Mr. XXXX ), he had to figure out where he, his fiancee, and their four ( 4 ) children were going to live, as they gave notice that they were moving out of their apartment.
Yet, Movement Mortgage choose to not keep the Buyer, nor his Agent informed as to what was going on, and waited to the Close Date to bring up that they ( Movement Mortgage ) didnt have all the paperwork ready, and their where questions that needed to be answered.
CONCLUSION : Again, we cant speak for anyone else, but we had plans for the amount we had anticipated to receive. Hence, we continued to be burdened with the mortgage on a home that we no longer live in. There is no amount of excuses that could justify such gross negligence. Based on Movement Mortgage lack of action, and attention to detail, it has become apparent that Movement Mortgage does not care how they financially impacted so many companies, nor the amount of lives they impacted. The emotional impact alone is staggering.
This complaint has also been uploaded.
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| 09/21/2017 |
Yes |
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Web |
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I contacted Movement Mortgage after my realtor suggested them on or around XXXX/XXXX/XXXX. I worked with a XXXX XXXX who was my loan officer and provided her my personal information ( Name, number, SS #, birth date ect ) things needed to began the loan process along with their mobile app to start the loan process. When I contacted her I already had the house picked out, but there were things missing from the house that would qualify me for a XXXX loan as she and my realtor advised. We were in constant contact, she advised what items I will need to look into in order to qualify for down payment assistance, areas that I will need to correct with my credit and things that I may want to consider paying. Throughout this entire time all communication of amounts that I will need to pay where completed through phone calls and emails. On XXXX/XXXX/XXXX XXXX sent me a gift letter that I would need to have completed in the amount of {$6400.00} which made me uncomfortable. Until that point she advised me that I would need a couple of thousand to close and that I should start looking to save money where I can. My boyfriend and I ended our lease at the house we were renting and made preparations to move in with my parents. I provided XXXX a copy of my XXXX statement showing that I had at least $ 5k which was more than the amount she advised I would need. We had several discussions about the {$6400.00} on that day and by the end of the day she had assured me that everything will be OK and worked out. I even received a " Congratulations your offer has been accepted email ''. My realtor advised Movement and myself of the closing date which was XXXX/XXXX/XXXX and I was told by XXXX that this will not be a problem. The house had no HWH and furnace ( which is why I needed the XXXX program ) I began requesting and paying for quotes for contractors and companies to come out to the house to provide quotes needed for the XXXX program. On XXXX/XXXX/XXXX I received a monthly payment breakdown, which did n't feel right to me. I work for a bank and spoke about the process with my supervisor, she asked me if I received any disclosures, showed me documents and the CFPB booklet and asked if any of these things had been provided to me. I advised her no. She expressed that there was a problem and suggested that I request the required disclosures before proceeding. By this time I felt stupid and worried, for the first time I felt like something could be really wrong and I may get the house that I had fell in love with. I emailed XXXX requesting that she provide the loan disclosure and not an email of monthly payments. I even called her and expressed my concern because I do not know this home buying process and worried that she is not providing me the service she should. On XXXX/XXXX/XXXX with my closing date now less than a month away I received my first loan disclosure, and was advised again that my loan is with underwriting where it has been for weeks. XXXX advised that movement does " upfront underwriting '' and that was why I did not receive the disclosure before ''. On XXXX/XXXX/XXXX I requested the status of my loan aware of the pressing schedule and the fact that the appraisal still had not been ordered and XXXX advised that I was still with underwriting. On XXXX/XXXX/XXXX Movement reached out the the companies that I obtained quotes from, and the appraisal was ordered around XXXX/XXXX/XXXX, ( I 'm scheduled to close on XXXX/XXXX/XXXX ). My realtor requested and extension to allow time and the seller was only willing to push the sale out to XXXX/XXXX/XXXX. The appraisal came back on XXXX/XXXX/XXXX with mold and other things that FHA will not allow forcing me to lose the house that I loved. Livid I called a XXXX XXXX on XXXX/XXXX/XXXX ( whom I was told was XXXX XXXX superior ) and she advised that she see on my loan that I would not be able to close until sometime in XXXX and that someone should have advised me of this. I lost the house and today I had to call Movement to find out why they have not returned the money for the appraisal only to be told that someone will look into it. My supervisor has recommended that I take some classed on loan disclosures, escrow, and other things that will better prepare me that my bank offers for free and I realized after completing these courses that Movement is a rip off and should not be allowed to do this to people. I moved my entire family into a bedroom at my parents house, paying for storage and a million things in between because Movement mortgage have no ideal how to complete the loan process.
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| 01/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I obtained a mortgage from Movement Mortgage for a new construction purchase in XX/XX/XXXX. This being a new construction, the property taxes were estimated by applying XXXX XXXX tax rate to the purchase price. A common practice, but resulting in over-estimating of the tax obligation. In XXXX of that year, I received a notice form XXXX XXXX of my XXXX tax assessment. I contacted Movement MortgageXXXX, my servicer, advising of the assessment and requesting my monthly escrow payment to be adjusted. I was directed to a website to upload XXXX XXXX communication stating the annual tax amount. I did so the same day. There was no action taken or any communication from the servicer. I followed up again in XXXX where I was told that an escrow analysis needs to be performed and that does not happen until XXXX year after closing ( XX/XX/XXXX ). I advised that I request it to be done now since the tax amount is known and I am overpaying more than {$100.00} every month. That request was sent to the escrow department. Again, my monthly payment was not adjusted. I called again In XXXX. I was told that the servicer had to wait to pay the tax bill, which was now done, to adjust my tax escrow. Another request was sent to the escrow department to for an escrow analysis as the initiation of an adjustment to my monthly payments. XXXX the next 45 days I made at approximately the phone calls to the customer service department following up. Every time, I encountered another representative who was very sympathetic and understanding towards my case promising that they will rectify the situation and ensure me that an escrow refund check will be requested and my payments will be adjusted. When I asked for a phone number to the escalations department or for the case to be escalated. I was told that there is no escalations department and that a supervisor will call me back, this being the only escalation possible. XXXX never called me back. The following call I made ( late XXXX ), resulted in me finding out that no escrow analysis was performed yet, but it was now requested. I received a follow up call advising that my payments for XXXX will be adjusted and that I will receive a refund check for {$1300.00}. XXXX XXXX, I received the statement showing same amount owed for the XXXX payment and still no refund check. I finally was connected to a XXXX XXXX phone calls later, who told me that the escrow analysis on purchases are not done until 18 month after closing. I advised that this is not industry standard and that I provided them with the tax bill. There is a limit of the overage a servicer can hold in an escrow account and that after 18 months this will be excessive. I advised that I need it resolved or I will have no choice than to contact the CFPB as this matter has been ongoing for XXXX months. My case was then escalated to the ( non-existent, per prior conversations ) escalations department. On XX/XX/XXXX, I was advised via phone and email that my payment was adjusted fairly and a refund check was mailed on XX/XX/XXXX in the amount of {$1700.00}. On XX/XX/XXXX, I emailed advising no check was received and was asked to wait until tomorrow, and the rep will follow up with me on Monday. On Tuesday, XX/XX/XXXX, I advised that there is still no check. I was advised the same day that a stop payment was requested and an ACH transfer to my checking account is being processed. On XX/XX/XXXX, still no ACH transfer, however, a check was received in the mail. I reached out to the representative inquiring, whether a stop payment was put on the check, or if I am OK to deposit since no XXXX deposit was received. The response on XX/XX/XXXX via phone and email advised that the rep confirmed that no stop payment is in place that that I am OK to deposit the check, which will now resolve the escalation and they are closing the case. I deposited the check. Next day, my bank issued a hold on my account and placed a fraud flag. When I called to ask what happened, I was told that I deposited a check with a stop payment and it will be returned. As a last ditch effort to work with my servicer, I reached out XXXX more time to Movement Mortgage on XXXX days ago with no response. My checking account was temporary frozen and I have a fraud alert associated with my name. I have been very patient with my servicer, spending hours actively trying to resolve a standard servicing request for more than XXXX months. I would like CFPB to intervene to resolve this issue before I incur additional damages to my finances and reputation.
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| 05/02/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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During the beginning stages of getting a mortgage, with Movement Mortgage with XXXX XXXX as our loan officer, we were provided and signed a Loan Estimate on XXXX / XXXX / XXXX that listed a Cash-To-Close amount of {$17000.00}. It listed a {$7700.00} credit under the " Adjustments and Other Credits Line ''. My husband and I were under the impression this was for completion of a XXXX online course for First Time Home Buyers. I had a phone call with XXXX on XXXX / XXXX / XXXX regarding a few items needed for underwriting. During this phone call we spoke of the Gift Letter he needed and I explained to him I was n't sure how to handle the check as the check ( {$18000.00} ) was more than what we needed to bring to closing. He told me that it would be best to not have the funds wired over at closing because then they would roll all the funds into the deal and that is n't what I wanted. I processed the gift check as instructed knowing the gift was more than what we needed for closing. Once the gift check cleared and all images were provided for underwriting XXXX said that was all he needed. On Friday XXXX XXXX , XXXX around XXXX I received an e-mail to e-sign the closing disclosure and documents that would start the 3-day cl ock for closing. As I was reviewing the closing disclosure I noticed that the Cash-to-Close a mount jumped to {$24000.00}. I immediately reached out to XXXX to ask why the amount jumped. After searching through the Closing Disclosure I saw that the {$7700.00} credit was missing. The disclosure said to look in sections K & L. Both of these sections were blank. I e-mailed XXXX to tell him that I had located the difference and could he please explain what had happened. He responded only to say it was a mistake. I called him and he told me first that it was a software glitch. I asked him to provide me the full set of documents that I had signed on XXXX / XXXX / XXXX . He told me he did not have them and he would need to put in a research request and that my husband and I should sign the Closing Disclosure so that we could keep the same closing date. He then put me on hold to reach out to a back-office person and then got back on the phone to say there was n't anything he could do until Monday because it was almost XXXX . I said OK. He told me to have my husband sign the documents to keep the ball rolling. We did not feel comfortable doing so and reached out to XXXX XXXX , our agent. She advised that the difference between th e Loan Estimate and the Closing Disclosure could not be higher than 10 %. She called XXXX and tried to get a straight answer but could not. She advised us not to sign the Closing Disclosure until we got more information about the {$7700.00} credit. We received several e-mails the evening of XXXX from XXXX asking us to sign the document. Our agent then replied that we were still needing them to acknowledge the {$7700.00} difference. Monday XXXX / XXXX / XXXX we did not hear anything from XXXX . I reached out to our agent mid-afternoon to find out what was going on. She was told by XXXX that we should expect a new Closing Disclosure that evening. He called her back later that day to say that he had sent our loan documents over to his compliance department for review. We did not receive a Closing Disclosure as promised on Monday XXXX . Tuesday XXXX / XXXX / XXXX we received an e-mail from XXXX telling us that because the {$7700.00} credit was not listed as Lender Credit there was nothing we should do and we should sign the Closing Disclosure from XXXX / XXXX / XXXX if we wanted to close this week. I reached out to our agent immediately to see what our options were. Our agent reached out to XXXX 's Territory and Area Manager 's t o attempt and figure out how they would correct their mistake. They were able to determine that XXXX had put in the {$7700.00} credit for a different program that would create a second mortgage for us - this is an option that we did not want. As of right now - we are trying to figure out how much we need to bring to closing and what/why the error went unnoticed for so long with out being acknowledged by the Lender, XXXX . When the Closing Disclosure was sent over there was never even an acknowledgement that there was a discrepancy. He did not issue a new Loan Estimate once he realized the mistake or even offer an explanation as to what the credit might be.
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| 04/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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XXXX writing due to payment errors on the part of Movement Mortgage for my mortgage account and my unsuccessful efforts to resolve this with customer service. The following are the facts of this case along with copies of all correspondence from Movement Mortgage.
1 ) In XX/XX/XXXX I received a mortgage statement saying that I only owed {$1700.00} for my XX/XX/XXXX mortgage payment. I wasnt sure why it was less than normal, but the statement included an overpayment of XXXX. I paid the requested amount XXXX on the due date.
2 ) In XX/XX/XXXX I received my XXXX statement saying I owed XXXX. Including a XXXX late fee. I called customer service and after an hour on the phone with the representative conferring with her supervisor I was told that this was resolved and the XXXX was pulled from my principal to cover the arrears. I asked for a refund of the XXXX and I received a letter stating that amount was refunded. At that point I understood the problem was resolved. The customer service representative recommended I delay a few days to make my XXXX payment to be sure the update would take place on my account. I made the payment on or about XX/XX/XXXX for my normal monthly payment of XXXX.
3 ) In XXXX I received a statement saying my normal monthly payment of XXXX was due XX/XX/XXXX ( XXXX ). I paid that amount on time. There was no indication on that statement that my account was in arrears.
4 ) On XX/XX/XXXX I received a phone message from customer service asking me to call them regarding a problem with my mortgage. I called XXXX and explained what I just stated above. She said that though it wasnt my error I had to pay back immediately the {$1100.00}. I explained that I was told this was settled back in XXXX and she said the bank learned it was not settled. I asked to speak with her supervisor and on XX/XX/XXXX was able to speak with XXXX, who held the same position and said my only recourse was to go to collections to resolve the problem as they had no ability to help me further. I didnt want to go to collections because I hadnt done anything wrong, but had made all payments as requested. I then asked to speak with her supervisor. She advised her supervisor was too busy to speak with me, but she would have them call me. They never called. I checked back to speak with the supervisor on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told each time there was a message in for the supervisor to call me.
5 ) On XX/XX/XXXX I received a notice that my loan was in default for the XXXX plus another XXXX late fee. I was never notified in writing the loan was in default previously. My last notice was the XX/XX/XXXX bill saying only my monthly payment was due.
6 ) After numerous attempts to resolve this issue with loss mitigation I decided just to resolve the banks error and sent a check from my XXXX XXXX XXXX XXXX XXXX account for {$1100.00}, which arrived at Movement Mortgage on XX/XX/XXXX. I sent my regular payment of {$2800.00} through my web bill pay on my checking account through XXXX XXXX XXXX which arrived on XX/XX/XXXX ( the due date ).
7 ) I received a call from Movement Mortgage collections department saying the {$1100.00} was received yesterday and returned to my bank. ( It was returned to my account 6 days later ). It was returned to my bank because it was a partial payment. Only one check is accepted for the total amount due. I waited for the XX/XX/XXXX payment to be returned to XXXX XXXX XXXX and it was not returned. On XX/XX/XXXX I contacted Movement mortgage and was advised no payment was received on XX/XX/XXXX from XXXX XXXX XXXX. I was advised to email a copy of my web bill pay statement, which I did. On XX/XX/XXXX I was notified the statement was not sufficient and I would need to submit a cancelled check. I called Movement Mortgage and was advised I needed to give them a tracing number. Today I called XXXX XXXX XXXX, got the tracing number and called back to Movement Mortgage advising them of the tracing number. They said it would take 3-4 days to process the trace and I should call back to check on it.
8 ) The incompetence of Movement mortgage is immense. The errors multiple. I have invested an enormous amount of time and loss of sleep due to their incompetence. To date I assume I am still in default though I have made every payment as requested by Movement Mortgage.
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| 10/13/2020 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I called XXXX XXXX from Movement Mortgage when looking to buy my first home through FHA XXXX. I had an initial phone conversation and he asked me to send him all the required documents to run a pre-approval which he did and gave me the green light to move forward.
I then started looking for homes and for each home I was about to put an offer on, I got confirmation from XXXX that it meets ALL requirements for the XXXX. My first offer was for $ XXXX which I got an approval letter from XXXX and submitted to the seller, however i was outbid and so we moved on to the next one.
A week or so later, I put an offer on another property for $ XXXX which XXXX gave me a verbal confirmation for because the seller did not require a pre-approval. Offer was approved on XX/XX/XXXX and mortgage contingency was set for XX/XX/XXXX and closing for XX/XX/XXXX.
XXXX then walked me through each step of the process to proceed starting with referring me a HUD consultant to do the inspection report and provide me with a contractor bid form. I paid the HUD consultant {$1000.00} for the report from my own money and the inspection was done. This was then approved by XXXX and I got the green light to now look for contractors to bid on the work for the XXXX. I even got a zoning certificate from the sellers which confirmed that the building was zoned as a legal 2 which we all approved before moving forward.
I contacted 3 different contractors and had a walkthrough with each of them. They all provided me a BOR quote for the entire project. I then narrowed it down and even visited the current projects of the contractors to see the quality. Throughout this entire process I was in contact with XXXX giving him updates and getting approvals. I then confirmed the work needed to be done by contractors and got it signed off by the HUD consultant as well. Although this process took a few weeks, XXXX followed up with me a few times to see how the process was moving which I gave him clear updates Next, I submitted the final contractor-HUD consultant report to XXXX on XX/XX/XXXX and XXXX told me the next steps are underwriting and setting an appraisal and for me to wait on updates from him. After 2 days on XX/XX/XXXX, I followed up and he gave me a reassurance that it is currently in the underwriting process and he's working on it and will need a few more days. I then followed up again on XX/XX/XXXX and thats when XXXX started to avoid all contact with me. I called him, emailed him, texted him for the next few days and I heard no response. I then emailed his loan assistant XXXX XXXX who replied to my email on XX/XX/XXXX telling me that they are almost through with the underwriting and will give me an update later that evening. I received no update or call.
The next day on XX/XX/XXXX, XXXX calls me and leaves me a message that he's decided to drop me as a client because his plate is too full and he is traveling for 4 weeks and will not be able to handle my application. His words were " the office is all chaotic right now with the amount of applications, no one can take my case '' He hung up and then avoided all communication after. I was 5 days away from my mortgage contingency and 15 from my closing and I had no loan officer now.
I have emails and all supporting documents to prove his unprofessional work ethic. I reached out to his superiors and XXXX from the HR department to help me resolve this issue for a week. They provided no help as they kept mentioning " its unclear what the real story is '' even after I provided them all supporting documentation including emails and reports form XXXX.
When I reported it to his supervisor and he tried looking me up in the system, it was found that XXXX had not even STARTED my loan application and so the system didnt even have a loan number for me! He was stringing me along the entire way! He gave me no disclosure forms or Loan estimates either for the entire process! This was my first time buying a home and so I was not aware of the entire process.
I put {$3000.00} ERM and spent {$1000.00} for the inspection report which are all now in jeopardy. I was able to get an extension from the seller but it has been extremely difficult to find another lender.
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| 11/11/2019 |
Yes |
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Web |
Servicemember |
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Written Complaint to Lender Attention Customer Service : Subject : Loan Number Name : XXXX XXXX XXXX XXXX Property Address : XXXX XXXX XXXX, XXXX, GA, XXXX This is a qualified written request under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ).
I am writing because : RESPA requires lenders, mortgage brokers, or servicer of home loans to disclose to borrowers any information about the real estate transaction. The information disclosure should include settlement services, relevant consumer protection laws, and any other information connected to the cost of the real estate settlement process. Business relationships between closing service providers and other parties connected to the settlement process should also be disclosed to the borrower. My realtor, and I called, texted, and emailed to Mr. XXXX XXXX, who is a senior mortgage loan officer - NMLS : XXXX at Movement Mortgage , LLC - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, SC, XXXX. However, he did not disclose the correct information about my loan and the real estate transaction. Moreover, he ignored and avoided contact or followed up to us. As a result, I lost {$2400.00} which to included {$1000.00} for earnest money, {$1000.00} for appraisal, {$350.00} for home inspection, and {$75.00} for application. Also, my realtor, seller, seller listing agent, and my family are lost our valuable time because he did not disclose the information about the loan.
On XXXX XXXX - 2019, I put an offer on the property address : XXXX XXXX XXXX, XXXX , GA, XXXX. Mr XXXX emailed, and texted us the Pre Approval Letter at the same day. My offer was accepted at the same day.
On XXXX - XXXX - 2019, Mr. XXXX emailed and texted me the Initial Disclosures.
On XXXX - XXXX - 2019, I texted to Mr. XXXX about my loan status. He informed me that I think we are going to be ok!!
From XXXX - XXXX to XXXX - XXXX - 2019, I texted to Mr. XXXX about my loan status. He never reply.
On XXXX - XXXX -2019 at XXXX XXXX, I got an email about updated disclosures to electronically sign and request new appraisal on my property in Texas. I called Mr. XXXX the same day to ask about this email. He told me that they need to do appraisal for my property in Texas in order to use the rental income. He did not explain more.
On XXXX - XXXX XXXX at XXXX XXXX, I got an email from XXXX XXXX at Movement Mortgage stated that Unfortunately, your loan does not qualify at this time. If you should have any questions please feel free to contact your loan officer directly. Thank you. Sincerely, XXXX XXXX. At XXXX XXXX the same day, Mr. XXXX sent me another email stated Disregard! All this means is that I have to red is close the loan once the rental property appraisal comes in. I called Mr. XXXX and Mrs. XXXX XXXX who is his assistant, to find out the situation. However, I did not get any answer and explanation from Mr. XXXX, and Mrs. XXXX XXXX.
On XXXX - XXXX - 2019, Mr. XXXX sent an email to my realtor and me and stated Appraisal will be back tomorrow on the XXXX property. I will be able to get a better timeline for closing once I have that appraisal.
On XXXX - XXXX -2019, I contacted to Mr. XXXX XXXX who is Brand Manager and Sale Manger at Movement Mortgage. Mr. XXXX explained about FHA rules and my loan was denied due to the ratios.
I bought a new property in XXXX XXXX on XXXX - 2019. Mr. XXXX knew that.
I called and asked Mr. XXXX that why do we need to do the appraisal for my property in Texas?. He answered This is the part of process, so we can use the rental income.
I believe Mr. XXXX - the loan officer - should explain to me about the FHA regulation before ordered the appraisal my property in Texas. However, Mr. XXXX did not explain about the FHA requires that the mortgage balance is 75 % of that value in order to use the rental income.
My realtor and I tried to text and called Mr. XXXX to ask him to explain more about the new appraisal. He never replied.
I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days.
Very Respectfully, XXXX XXXX XXXX XXXX XXXX/USA
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| 01/17/2023 |
Yes |
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Web |
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Helper in need of help!
Hello, I am in dire need of assistance for an urgent matter. After being invited to live in a house from a nonprofit ( The XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) for whom I was providing services for, and had been a huge part of my life has turned the offer of to help into nothing more than strong arm, intimidation tactic to myself and my XXXX XXXX XXXX son.
This man owns XXXXXXXX XXXX XXXX XXXXXXXX, and and is the Founder of XXXX XXXX XXXX told my son and myself to stay in the house as long as we wanted. He then had XXXX XXXX, realtor and XXXX for the same foundation working to get me approved for a mortgage to purchase the home.
After realizing that his intention to help us during this time had turned into a high pressure situation that I wasnt prepared to handle, leaving me to feel an enormous amount of stress during an already difficult time. I asked an independent mortgage broker to help guide me through this process, because I began to distrust them. I began documenting our conversations and email/text conversations.
A gift letter was produced to cover the closing costs, as I explained to them that I would never be approved and had no way of getting XXXX dollars. I told them repeatedly to put it on the market if that is what they needed to do. I expressed my gratitude, and my concern for how it was being handled.
I received texts, calls from XXXX, XXXX, and the mortgage company.
I was informed that they had received a donation to cover the closing cost and that I would need to sign the gift letter.
The document was signed and I have copies of it. After reviewing the document, I noticed that the name of the donor was an employee of XXXX and a board member of the foundation, I wanted answers. XXXX XXXX signed this letter, stating I am his uncle. In fact, I do not know the man.
I was told repeatedly that I had nothing to worry about and I should trust them because we are family. I did not like my situation. While awaiting my XXXX XXXX XXXX for XX/XX/XXXX, my son and I were approved for the mortgage on an FHA loan. I have these documents as well as the mortgage company at Movement Mortgage. The mortgage company and its representative can also provide all documentation needed.
We were set to close on XXXX XXXX.
The appraisal was done, and it didnt appraise for the selling price.
XXXX, XXXX and myself were all told about the appraisal. This was right after XXXX when I received a group text from XXXX and XXXX, outlining how they were going to give me a raise of XXXX dollars a month, but garnish it for a year until the gift letter was paid off to XXXX. He outlined what he now would garnish my pay as a XXXX contracted employee, to repay a gift that I had never asked for. He also wanted me to pay for a shower door that he had installed for the house.
When I told XXXX and XXXX that I quit, my son and I were served with eviction papers, signed by my realtor XXXX XXXX. I have filed a complaint with XXXX regarding her behavior and manipulation during this time. We were given a 30 day notice 4 days after the eviction notice was issued. I requested a court appearance where I will also show the pertinent information.
He refused to give me any of my equitable investment and had our water turned off for almost XXXX.
I could not get the water in my name, even though I had electricity, internet services proving that I was in fact residing there. I also provided my mortgage agreement, but I was refused.
We were without water and facing eviction, with all monies being held until we were out of the home.
There is so much more to say, but Im afraid of the retaliation and intimidation from these people. I feel like this is beyond my ability to handle without someone to intervene or help us with our situation. I will be in court for the eviction on the XXXX, while recovering from my XXXX. Im hoping to hear back with any questions or comments on how to proceed. Thank you so much for your consideration.
XXXX XXXX XXXX, XXXX
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| 03/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I am disputing the late mortgage to XXXX Bank as I paid them immediately after I was aware they were the new loan servicing people. Below is the sequence of events.
USPS does not deliver to physical address in this area. All mail sent to my physical is stamped " UNDELIVERABLE '' and returned. I am totally unaware of a delivery attempt. Knowing this I purchased a XXXX XXXX XXXX XX/XX/XXXX.
During closing I signed a letter on XX/XX/XXXX which stated Loan # XXXX payment be sent to XXXX XXXX ( on behalf of Movement Mortgage , LLC ) due XX/XX/XXXX.
I set XXXX up in my XXXX XXXX internet bill pay to be sent a check to that address the first week of every month. Subsequently, there was no indication an issue.
On XX/XX/XXXX late afternoon I retrieved from my XXXX XXXX a letter from XXXX XXXX dated XX/XX/XXXX telling me XXXX returnrd my XXXX payment as they no longer managed the loan.
Early the next morning I called XXXX who said my loan had been transferred to XXXX XXXX in XXXX, XXXX. They told me the correct XXXX # XXXX. They had forwarded my payments to XXXX until XXXX payment.
Next call to XXXX alerting them that I was aware and would get current ASAP. Also gave them correct mailing address.
Next set XXXX up as a monthly payee in XXXX XXXX bill pay and had a onetime check for XXXX, XXXX and XXXX payments sent. That check had not been delivered by XXXX XXXX so I contacted XXXX and did a phone transfer which credited my account that day.
XXXX XXXX deleted XXXX from my internet bill payee sometime in XXXX, XXXX and made no attempt to notify or alert me. Then again they stopped payment on my XXXX, XXXX payment to XXXX without notification or explanation ; XXXX called me on XXXX XXXX, XXXX and I got that corrected immediately. I am currently taking the XXXX XXXX actions up with the Oregon Banking Commission as well as state and federal Consumer Protection agencies.
I have never recieved a letter, phone call, text or email from Movement Mortgage or XXXX. I do not feel they made a good faith effort to correct a problem they must have known about. Specifically, 1 ) all of their mail was sent to my physical address and returned by USPS stamped " UNDELIVERABLE '', 2 ) somebody in that company had to have handled the returned postage, 3 ) somebody had to do more work since my monthly payment checks had an incorrect loan number but yet were getting credited to the correct loan, 4 ) it is quite likely they have a different address to recieve bill pay checks than the one that was in my bill pay.
I am currently taking the XXXX non-performance issue up with state and federal Consumer Protection people and Oregon Banking regulators.
I assume my phone number was with my account details as XXXX had been calling me. However, I did not answer or respond because I had not heard of them and their calls sounded exactly like yet another spam.
I have made and continue to make good faith effort to get current with XXXX consistent with someone with an 800+ credit score. I do not feel XXXX made a good faith effort to correct a problem they must have known about. Specifically, 1 ) all of their mail was sent to my physical address and returned by USPS stamped " UNDELIVERABLE '', 2 ) somebody in that company had to have handled the returned postage, 3 ) somebody had to do more work since my monthly payment checks had an incorrect loan number but yet were getting credited to the correct loan, 4 ) it is quite likely they have a different address to recieve bill pay checks than the one that was in my bill pay.
As of this writing the loan originator, Movement Mortgage, has not produced a document where I had indicated my correct mailing address. XXXX still does not have it right after giving their customer service people the correct address twice.
Every single one of the other creditors associated with purchasing and living in a new to me residense got it right.
I am respectfully requesting my previous credit rating of 800+ be restored. Thank you.
XXXX XXXX XXXX
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| 07/26/2016 |
Yes |
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- Settlement process and costs
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Web |
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We opened an application on XXXX/XXXX/2016 was given a closing date of XXXX/XXXX/2016, 1 week to closing we was told we were n't closing. We received closing date for XXXX/XXXX/16. On XXXX/XXXX/16, we put in our 30 day notice to vacate the property XXXX/XXXX/16. On XXXX/XXXX/2016, we was clueless to what was going on, our loan officer continued to get paper work from us through his assistant. The week of closing his assistant said I need to hurry and sign this form soit could be sent to the closing department in order to close by that Friday XXXX/XXXX/16. We had to move on the same day but We had a truck packed with all our furniture. Prior to getting the truck, I asked my loan officer & his assistant are they sure we was going to close on XXXX/XXXX/16 in a email from his assistant she told me as far as she know we would close on that date. On XXXX/XXXX/16 no one had call me to tell me anything they just left us clueless, I emailed them XXXX and the loan officer acted as if his assistant had told us what was going on but no one had contacted us since Tuesday of that week. He told me to ask the rental company could I stay another week. I then got the solution department involved because we needed to know if they could tell us something. I spoke with someone and explained what was going on and was told he would get back with me, about XXXX. later my realtor called whom is also my loan officer best friend that introduced us to this loan officer, she called yelling at me saying he was upset with me because I called the XXXX on him and said wanted to talk to me but she would have to call him on XXXX way so she did, XXXX he got on the phone he began yelling at me saying they not going to approve you and that 's the worst thing that I could do if I was going to purchase a home and that my husband student loans are on his report and that I need to call that person who contacted me back and tell him that I had a misunderstanding and did n't know he was already calling my husband employment to get his full pay so he could get the file back. instead of him calling or sending an email to my husbands HR department for work verification he had my husband going through his supervisor the supervisor completed the forms but not with the correct information, XXXX forms from his supervisor and XXXX from the plant manager. It was n't until the solution dept. got involved before he went to HR. On this same day XXXX/XXXX/16 we were given another closing date which was XXXX/XXXX/16 but that did n't happen- this whole time our furniture was still packed until XXXX/XXXX/16. We were then told we would close XXXX because the builder was only giving use until XXXX. Then we was told that we would close on XXXX. We were rushed to signe closing disclosures on XXXX. I emailed his assistant on XXXX to see if we were going to close on XXXX for sure and in what form of money, she replied a wire transfer and that we were going to close on XXXX. My husband took off work for the whole day and I had to leave my salon going to the closing location, at XXXX the loan officer called to see where were we ( as if he was there and that they were waiting ) and I explained that the gps had took us to a different location but we were pulling in, he started saying really fast no no no do n't go in yet just let me get back with you because the attorney overbooked and forgot to call them ahead of time but he was lieing once again, my husband went in to speak with the attorney only to find out that she has no paper work for us and that they 'd been calling all morning and sending emails but no one had gotten back with her, he continued to tell us to wait around. He called later in the evening to say we would close on XXXX/XXXX/16. We were told we would get {$1500.00} in lenders credits. I received XXXX cash to close amounts, he started texting late night XXXX about a lesser amount that I just did n't understand stand & he led me to believe I had $ XXXX at closing.
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| 10/06/2016 |
Yes |
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- Settlement process and costs
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Web |
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I was pursuing an FHA loan with Movement Mortgage. Over the course of the last 2 months, they have consistently asked for a plethora of information which I have submitted as every request. Toward the tail end of everything, they advised that I could n't use certain funds acquired for closing due to the source of the funds. My loan officer indicated that I would need to get a gift from a family member to cover closing costs, which was fine. I asked for the total cost of closing, and I was advised of the total. I obtained a gift from my uncle to cover the cost of closing. The next day, I was advised by one of the loan processors that I needed an additional {$2400.00} because they did n't factor in my first month 's mortgage payment. So, on very short notice, I was able to secure a gift from my sister to cover the amount. In addition to the gifts, I was advised that I needed signed gift letters, copies of the checks, bank account statements from both family members sourcing the funds and showing the monies cleared in their accounts, along with my updated bank account statement showing the money was deposited. I complied and provided all of this information. My closing date was set for XX/XX/2016 as per my contract with the seller. I was in constant communication with at least XXXX loan officers from the company on an almost daily basis during the duration of the process and more frequently, as much as multiple times a day, as we got closer to closing. All the while, I was advised that I was in good shape to close and all paperwork was a go. On XX/XX/2016, I signed my consumer disclosure and I was advised, we were good to go for closing on XX/XX/XXXX. Then on the afternoon of XX/XX/2016, the Friday before I was set to close, I was told that underwriting would not approve the closing due to XXXX additional conditions that I had to fulfill. Herein lies the problems - at least 90 % of the conditions listed, I had already fulfilled and provided the requested documentation for those conditions weeks ago - some of them multiple times. I later learned that one of the processors dropped the ball and was not submitting my info to the underwriters. In addition, new conditions were included that I was never made aware of in any prior correspondence and was never brought to my attention before then. On Monday morning, I sent all documentation, yet again, for the conditions. I spoke to my loan officer XX/XX/2016 and was advised that the closing amount provided was inaccurate and I was {$3100.00} short. He stated this was due to the fact that underwriting was not going to allow me to use the earnest money deposit I paid because they could not source the funds and that they also would not count the {$1200.00} I used to pay for my home owner 's insurance because of the same reason. This is pertinent info that I believe I should have been told in advance, like the week prior to closing when we were going back and forth trying to make sure all documents were complete. They completely failed to take into account the fact that I work full time and get bi-weekly deposits of {$2100.00} into my account. I have provided updated bank statements but I 'm still awaiting to hear if underwriting will even accept them. This company has been completely careless and lackadaisical with my account. My closing is extremely time sensitive because there are significant repairs that must be done on the home, as I 'm also getting a XXXX loan. In addition, my current lease ends on XX/XX/XXXX, so the contractors need to get into the house early enough to do the work so that we are able to move in by XX/XX/XXXX. As it stands, my closing will likely not even happen because I only have an extension from the seller for this Friday, XX/XX/XXXX and no more extensions will be granted after this date. Due to this last minute notice about costs, I am now unable to attain an additional gift to cover the outstanding amount required to close.
|
| 08/11/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX & Movement Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Re : Error Resolution Notice under 12 C.F.R. 1024.35 Movement Mortgage Loan Number : XXXX XXXX XXXX Loan Number : XXXX I am writing to request correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX. Payment Errors : Your company rejected the full payment I made on XX/XX/XXXX in the amount of {$24000.00}. XXXX failed to comply with written instruction apply the full amount on XX/XX/XXXX. XXXX Delivered the funds on Thursday, XX/XX/XXXX at XXXX XXXX tracking number XXXX received by XXXX The servicer must respond to the consumer letter before the sale or within 30 business days of receiving it the servicer receives the letter with payment instructions more than seven days before the sale date XX/XX/XXXX. Today XX/XX/XXXX I spoke with XXXX, Customer Service Loss Draft XXXX, XXXX Mortgage to determine why XXXX failed to comply with written payment instructions subsequent to XX/XX/XXXX and prior to XX/XX/XXXX. XXXX, Customer Service Loss Draft Specialist in violation of 12 CFR 1024 engaged in unlawful business practices by stating XXXX did not receive payment instructions Thursday, XX/XX/XXXX. XXXX received written payment instructions prior to cashing the payment on XX/XX/XXXX. XXXX, Customer Service Loss Draft Specialist only acknowledged email correspondence marked second request further demonstrating deceptive business practices by the servicer who failed to send a letter within 5 days acknowledging receipt of the payment & payment instructions. When I asked XXXX Customer Service Loss Draft Specialist to acknowledge the first payment instruction letter she abruptly disconnected the call, then XXXX engaged in further unlawful business practices locking my online account. The Consumer Protection Bureau can not allow mortgage servicers to unlawfully abruptly disconnect recorded conversations. XXXX XXXX, Attorney At Law, XXXX XXXX XXXX on XX/XX/XXXX told the court in the matter XXXX XXXX v. XXXX XXXX that the mortgage servicer would apply the payment received Thursday XX/XX/XXXX cashed XX/XX/XXXX. Case No. XXXX Your company did not properly credit the payment that I made on Thursday XX/XX/XXXX in the amount of {$24000.00}. This payment should have been credited to : XXXX account # : XXXX or Movement Mortgage account # : XXXX. o The payment should have been credited to principal, interest, escrow, or other charges prior to XX/XX/XXXX.
Your company failed to credit the payment I made as of the date of receipt Thursday XX/XX/XXXX. XXXX Mortgage failed to credit the payment subsequent to XX/XX/XXXX. Movement Mortgage received funds and payment instruction during XX/XX/XXXX prior to the scheduled sale date XX/XX/XXXX. Fee Errors : Your company incorrectly imposed undue charges and fees described in the statement transaction activity subsequent to XX/XX/XXXX to include attorney, fees. Monetary award per 12 C.F.R. 1024.35 violation : I am entitled to a monetary award of {$2000.00} per violation or more for violations of CFR 1024.
I am entitled to a lower interest rate, a lower payment, and a lower overall loan balance : Your company engaged in unlawful practices in violation of C.F.R 12 C.F.R. 1024.35 Exhibits ; Exhibits to follow due to the urgent nature foreclosure set for XX/XX/XXXX I am submitting and continuous unlawful business practices I am forced to submit written notice of 12 C.F.R. 1024.35 violations prior to compiling the complete list of exhibits. Please apply the payment prior to the XX/XX/XXXX sale date. Please confirm that these payments will be processed as specified or please provide an explanation as to why you are unable to follow these instructions. If you need to contact me, I can be reached at XXXX XXXXXXXXXXXX Sincerely, XXXX XXXX XXXX XXXX
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| 11/02/2016 |
Yes |
|
- Settlement process and costs
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Web |
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I started the loan process with XXXX XXXX from Movement Mortgage, NMLS # is XXXX on XXXX XXXX, 2016 after I was referred to him through a potential seller who happens to be his friend. The process started off fine and everything was going smooth. As we got closer to the closing date which was schedule for XXXX XXXX, 2016, everything started to unravel.
On XXXX XXXX, 2016, at about minutes after XXXX, XXXX called me at work stating that he needs me to sign the closing documents asap, which was the first red flag, because I was not given enough time to read through the documents, however seeing that he stated that it was n't the final document I went ahead and signed in a rush, On this day the appraisal also came back lower ( $ XXXX ) than what the property was being sold for ( $ XXXX ) and XXXX said he would have to do another appraisal because it was a flip home, however they would have to use the lower appraised value. My realtor then reached out to XXXX to let him know that she is currently in negotiation with the seller in reference to lowering the sales prices to the appraised value, but he ( seller ) insisted on waiting for the second appraisal to come back.
On XXXX XXXX, after forwarding the initial CD to my realtor she realized that there was an additional {$5100.00} included in my closing cost that I would have to come up with additionally. Initially I had told XXXX that I would put down 10 % for my down payment which was $ XXXX. The contract that I had with my seller was that he would cover 5 % seller assist which would have covered my closing cost. I reached out to XXXX asking him why am I being charged an additional {$5100.00}. His explanation was I do n't have to come up with any additional funds ; I can just subtract it from my $ XXXX down payment. On XXXX XXXX, at this point we still did not receive the second appraisal. In the morning I called XXXX and he assured me that everything will be ok and he is 100 % sure that the second appraisal would come back at $ XXXX or more, because he is very close friends with the appraiser and he works with him a lot. He also kept pointing out the fact that the appraisal is not a factual value " ITS JUST AN OPINIONATED VALUE BY AN INDIVIDUAL ''.
In the afternoon, when the appraisal came back, guess how much it came back for? What coincidence it came back for the exact value that XXXX and his friend/seller wanted it to be appraised for. {$250000.00} EXACT.
My realtor reached out to me and told me that the seller will be cutting down my sellers assist and wo n't be providing a washer and dryer for me. I was very upset and I reached out to XXXX that he was very wrong to assume that I will be paying the {$5100.00} on my own, without allowing me to negotiate with the seller. After I expressed my frustration with XXXX and told him, I will not show up to the closing, he then called my realtor and this was his exact words to her : " Call your client and have her sign or else you will not get paid, She can afford to pay the difference because she has $ XXXX sitting in her account, MAKE IT HAPPEN ''. After she told him no, she will not do that, because she 's not working for him she 's working for me, he made her aware that he also is married to a realtor and he knows what realtors are supposed to do to get a deal close. According to my realtor his words were " XXXX you are out of line to get involve with your client financial payment arrangements, you are just her realtor ''. He then called me trying to build a case for the seller and explain to me that the seller is not making a lot of money off the property, and it 's only fair that I pay the difference and I should at least negotiate with the seller and meet him half way. He called and yelled at me, emphasizing how he did me a huge favor by making sure the loan close in a timely manner, and HE had to pay {$600.00} out of his pocket to do the XXXX appraisal
|
| 09/03/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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My wife and I have suffered economic damages as a result of a fraudulent preapproval letter for a loan that we found out later was never a viable option. It was drafted by XXXX XXXX at Movement Mortgage, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( phone : XXXX ). Movement Mortgage also has corporate offices at XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX ( phone : XXXX ). The preapproval letter given to us inXX/XX/2019 stated that were qualified for a loan of {$610000.00} on a purchase price of {$760000.00}, or a 20 % down payment, which was to be valid until XX/XX/2019. The loan officer had full access to our credit report history, income history, and asset information through an online online application. Therefore, there was full transparency of our financial history for him to use prior to issuing the preapproval letter.
We fully relied on this preapproval letter, to our financial detriment, as we used it as a basis for selling our home as well as determining the purchase price amount and down payment funds needed for buying our new home. We put our home on the market at the end of XXXX after getting this preapproval letter ; once we had a buyer for our home, we made a contingent offer on a new home based upon the amounts stated in the preapproval letter. Once our home was sold and we had the 20 % down we were told was needed, with 8 days before closing, XXXX XXXX told us that we now needed to come up with 25 % down to get the loan. We then had to borrow money from a relative and ask for an extension to meet the new loan requirements. All of a sudden, Mr. XXXX informed us that he could not find any lenders who could do a 25 % down loan and that our only option was to get a hard money loan which would cost more in points and fees. He stated he could get us into the hard money loan and that we could subsequently refinance because it had no prepay penalty.
He then sent the loan out to a XXXX XXXX at XXXX XXXX, who took the information to apply for a loan with XXXX XXXX. We got all the documents and information needed and less than 48 hours before the third extension on escrow was set to expire, a notary came to our door with loan documents to sign. The loan docs stated in 6 different places that the property was not to be owner-occupied, had a 8.9 % interest rate, and would cost about {$40000.00} in fees, and that if we did in fact occupy the property, it could be foreclosed upon in 24 hours due to a violation of contract. Obviously, we could not sign this, as the whole intent of the purchase was to purchase a new home for our family that we could actually live in ourselves. He knew when he first met with us in XX/XX/2019 that were looking for a new home for our family, so he encouraged us to lie on the loan documents. If we knew that this was a fraudulent preapproval letter and a bait and switch, we would never have sold our home when we did, as now we are out of a home.
Due to Mr. XXXX 's professional negligence and misrepresentations, we incurred significant monetary damages and lost our home. To date, we have incurred a total of {$65000.00} in monetary damages : - Appraisal and Home Inspection fees : {$980.00} - Loss of Equity on the sale of our home : {$12000.00} - Loss of equity on the new home purchase : {$37000.00} - 35 hours of our time @ $ XXXX/hr fulfilling requests by Mr. XXXX : {$10000.00} - Rental costs : {$3400.00} - Moving Expense : {$900.00} - Storage fees : {$1200.00} - Legal Fees : {$390.00} Under California Law, a lender is liable for the negligence and misrepresentations of its loan officers, even absent any contractual privity between borrower and lender. As a mortgage professional, Mr. XXXX had a duty to us to put our interests ahead of his own and to deal honestly and fairly. Instead of fulfilling this duty, he misled us with a bait and switch so that he could receive even more in commissions and fees.
|
| 04/08/2016 |
Yes |
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- Application, originator, mortgage broker
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|
Web |
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On or about XXXX XXXX, XXXX I was referred by the Buyer 's agent, to a Loan Originator by the name of XXXX XXXX with Movement Mortgage. I filled out the online pre-application which would later the final application was filled in by XXXX XXXX. He quickly gave me a pre-approval at which time, the seller and I entered into a contract. I gave earnest monies in the amount of {$1500.00}, paid {$500.00} for appraisal, paid {$250.00} for inspection of the home, started packing, etc. etc. I verbally informed XXXX XXXX that I had a short sale on a previous home in XXXX but the home was included in Bankruptcy in XXXX. XXXX XXXX never commented on that and did n't inquire further at all about it.
Once the underwriter requested a copy of the Hud Statement from that Sale, I began to ask questions to XXXX XXXX. He in turn would say, let 's just wait to see what the underwriter will do. I continually did my own research as XXXX XXXX seemed to occupied than to give his undivided attention to the fact that I kept telling him that I did n't think I was qualified for FHA because of the short sale. After I got tired of waiting on him to respond ( copies of some of the text messages attached ), I phoned their main office number. I spoke with XXXX XXXX ( another Loan Officer, I guess ) and told him how I felt like XXXX XXXX was too busy, and was n't answering or responding to questions that I had. He supposedly was away at a conference, but was supposedly working on my file. After waiting and waiting, he eventually told me the FHA Loan was denied. I asked him, " did you not remember me telling you about the short sale ''. He replied " honestly, I do n't remember. I complete XXXX loan applications a month ''. At that time, I lost all confidence in him. The next thing he discussed was converting my loan application over to a Conventional Loan. After several attempts of contacting XXXX XXXX by text and email with questions and status, he hesitantly was responding ( before he realized he screwed up he would respond immediately ). XXXX XXXX gave his 2 cents, but of course they work for the same company so they would try anything to cover their a**. My buyer 's agent and her lead knew everything that was going on with my file ( which I feel is unprofessional ), and I had XXXX instance where the Buyer 's agent Lead phoned me on three way and she called herself going off on me in a nice nasty way, because I had contacted another Loan Office within Movement. While I was waiting on responding from XXXX XXXX, I decided to contact another Loan Originator with another company. He asked all the questions needed " up front '' and he immediately told me that I was not eligible for FHA due to the short sale and that the other loan originator ( XXXX XXXX ) should have known that up front before taking me through all of that.
According to the new loan originator, the Buyer 's agent told him that my conventional app was denied that morning, but XXXX XXXX continued to text me in the afternoon that things were being worked on and transferred. After sending him numerous text messages, he eventually called me back late that afternoon saying my conventional loan wo n't go through and he did n't know why.
XXXX XXXX was very misleading, and being that he is the professional, he told several untruths. He put the blame on me because I checked no to the question of " have you every foreclosed on a home or did a deed in lieu of ''. I explained to him I did not know that those referred to a shortsale, but being that I verbally told him about the short sale. He is the Loan Originator he should have known what to check on the final application that he filled out. I have received the appraisal refund, but I am also wanting Movement Mortgage to refund me for the inspection of the home that I did not get. Had he done his job right from begininning, I would not have put any money out.
|
| 11/08/2016 |
Yes |
|
- Loan servicing, payments, escrow account
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|
Web |
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Refinance of home done XXXX XXXX through Movement Mortgage with XXXX XXXX XXXX ( XXXX ). He did not properly calculate/disperse the money to pay off loan as agreed upon. I became aware that one of my student loans was listed as " active ''. Initially did not think much of this as all of my loans were thought to be paid in full at time of refi. While completing the refi., XXXX was trying to get my auto loan added as well but I declined this since I ultimately wanted my student loans paid in full before payments became active. I had one unsubsidized loan from 2011 that had been gaining interest for several years while completing my degree, making it important to me that I get it paid off right away ( half the reason I wanted to do the refi when I did ). Everything seemed to have gone smoothly- just paying the student loans completely was settled on and according to several phone conversations and even recent email conversations with XXXX, that was the understanding of what had been achieved. Fast forward to last several weeks. Early XXXX I filed a dispute for the " active account '' through XXXX to " close '' the student loan, like the other student loans appeared thinking and being told this was likely a clerical error/easy file of paperwork fix. Never would I have imagined the loan was not paid in full. When the dispute was inconclusive, I dug deeper. At this point I did reach out to XXXX ( XXXX XXXX after speaking with XXXX XXXX XXXX confirming the loan balance ) who suggested that I contact the title agency who could pull my file, get the cleared checks sent to XXXX, and then get the account reconciled and " closed ''. He said that sometimes they are slow to file these things and not to be concerned. " They just have n't taken the time to request it yet ''. He also asked if I had taken another loan out recently ( Which I had not, the loan in question is from 2011 ) since my refinance money had paid off my student loans. At this point I am still not concerned since XXXX leads me to believe this is a clerical error that will be " rectified easily ''. I contact the title agency XXXX XXXX who pulled the info and sent it promptly to XXXX. I contact XXXX who says this will " rectify the amount in question '', nothing further at this time needs to be done, wait for the checks to be reviewed. After several days ( XXXX XXXX ) I continue watching my accounts, and still not changed so I contact XXXX who state they have n't reviewed the information that was sent yet. I contact again XXXX XXXX and was told it was reviewed and my account is accurate and does still hold a balance. Lack of competence and attention to detail, the amounts were not accurate leaving me with a balance that I was led to believe no longer existed. The loan was not pain in full due to an error made by XXXX. I then contact the title agency with this info update from XXXX, they report they pay what the XXXX requests and are of no further help to me since this is not a mortgage and I need to discuss further with the XXXX. I have since sent several emails : XXXX on XXXX XXXX, again XXXX XXXX, and XXXX, etc ) but have heard nothing back from XXXX. I went to the Movement Mortgage website and have emailed XXXX generic addresses from the site in hopes of getting someone to respond. My realtor who recommended XXXX to me has also been trying to contact XXXX with limited success. He did respond once briefly telling her he was trying to reach " the closer '' and that he used my credit report to get the balance of my student loans, never reaching out to the XXXX XXXX XXXX XXXX who holds the loan information in its entirety. I am filing here in hopes of hearing back from anyone who can assist in rectifying this wrong. I was misled and misinformed at the time of the refinance and again now when trying to figure out what had happened by XXXX regarding my money and its use.
|
| 02/21/2016 |
Yes |
|
- Credit decision / Underwriting
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|
Web |
|
|
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
|
| 05/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
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|
Web |
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My husband and I used XXXX XXXX XXXX of Movement Mortgage while trying to get a mortgage on a new home. We were referred to him by a former realtor, XXXX XXXX, of XXXX XXXX XXXX. Even though we decided to no longer work with XXXX, we decided to use him with our new realtor for a home. XXXX gave us information about getting a rehab loan for a home and felt he was the best candidate. Since we were doing a Homestyle rehab loan we were told by XXXX that we would have to get quotes for the problem areas which were mold in the garage and a roof that needed repairing so the home could be livable. That way when we received an appraisal we would already have the rehab quotes together with the asking price. XXXX was available at the time and if he did not pick up when we called he would always call back. After we received the quotes, XXXX mentioned that we might have to get a contractor which was something new to us because we discussed what the issues were on the house before he even discussed what type of loan we wanted. Later on he recanted and said he would try to see if he could avoid us having to purchase a contractor to oversee the mold and roofing repair. He did not even mention that we would have to get the same contractor for both services like our new loan officer recommended. After we signed the paperwork where we wanted to move forward with the loan, he asked for paperwork that we already gave him again such as our tax returns, pay stubs, XXXX information, etc. Then a few weeks later he asked for more information that he seemed to have forgotten that we sent him and we had to resend again. He stated that his assistant was missing a couple of things but now my husband and I are thinking that he probably never even had an assistant. After everything seemed good with our paperwork he sent out an e-mail to our realtor, my husband and me stating that the appraisal was sent to the agent, the appraisal was ordered and received, the loan was approved, closing package was sent to HUD and the wire was sent to the agent. I called him the next week because our debit card was not charged and we never received an appraisal review. XXXX stated that the appraisal was not completed and as soon as the information arrived, he would send it. XXXX weeks later nothing and we were to close in XXXX weeks. We tried calling him and no answer for a week. My mother in law called from an unknown number to and he finally answered. My mother in law discussed herself as wanting to do business with XXXX and mentioned my name as a reference and informed my mother in law that he would call her back and never did. When I told the realtor what was going on XXXX picked up the phone for the realtor and explained that he was having issues with the appraisal company which we had no idea this issue was going on. Our realtor said XXXX would call us later on that day and never did. We called him from two different phone numbers the next day and no answer. Two days later he sends an e-mail stating there was something wrong with the contractor and that he needed more paperwork. We decided to no longer contact him and went with another loan officer hoping the bank would give us another extension. The bank denied the extension and we lost the house even when we tried to offer a higher bid. A week later, XXXX called my husband with an unknown number. My husband answered and every excuse did not make any sense. He stated an appraisal would take 60 days but then we never even got an appraisal and nothing went into underwriting so that could not have been the issue for us. If we knew it would have taken longer for an appraisal then we would have asked the bank for a longer time. XXXX was dishonest to our attorney, realtor and us. We have e-mails and voicemails. This man should not be in possession of peoples personal information
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| 01/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XX/XX/XXXX I started the loan process with Movement Mortgage for the property XXXX XXXX XXXX XXXX with a Due Diligence date of XX/XX/21 and a closing of XX/XX/21. I was assigned to XXXX XXXX-Mortgage Lender License No. XXXX. During the process I made sure to respond and fulfill all requests from the underwriter XXXX XXXX -NMLS XXXX. I was asked to prepay for an appraisal, which I agreed to. Funds were requested on XX/XX/XXXX, I post dated the payment for XX/XX/XXXX. The funds were received and I was told I would be informed when the appraisal would take place. It was then requested that I provide proof of employment, which I provided. I was told the letter was insufficient. They were requiring that the letter state I would work remotely indefinitely. So I contacted the corporate HR office of my employer, XXXX to see if I could get a customized letter to state this. After two days, the legal team stated they could not use that verbiage due to liability, but they would provide an additional letter to further convey my continued employment. I submitted said letter, and this too was denied. I offered to schedule a time to does with HR, but was told it wasnt necessary. I then began applying to positions locally as a second means of income to meet this unusual requirement. On XX/XX/XXXX I had the aforementioned property inspected and received the report 2 days ago. I sent XXXX and XXXX an email informing them that I had in fact met their requirements. XXXX scheduled a call to talk out what they wanted-still a letter that says I will work remotely indefinitely. I asked about the results of the appraisal since I still had not received any information and I was 6 days from DD. I got a text from XXXX the next morning that said The appraisal has not been completed yet. They have not found an appraiser willing to complete it, 10 have declined it thus far based on location. I then asked why was I not informed about this. I immediately contacted my agent, XXXX XXXX. She too did not understand why this key piece of information was conveyed. XXXX said that their office had an Appraisal team that scheduled the appointments and that they would keep trying. I then asked her to call my husband since I wasn't getting anywhere. The conversation elevated due to XXXX lack of professionalism. The entire conversation was her yelling and speaking over everything he said. He informed her that we would like a full refund from the appraisal and that we would find out own. My husband disconnected the call when she became elevated again. She then texted me that my refund would be processed and my application canceled. I then followed up with an email that stated : Please consider this correspondence as the termination request of any past agreements regarding the potential purchase of XXXX XXXX XXXX XXXX XXXX NC XXXX.
XXXX then immediately replied via email : Your denial letter should be to you in the next 24 hours for your records.
This was not a denial, but a severance of any business relationship. I take that as a threat. The sentence in my opinion conveys malice and intent to do harm to my credit history.
I have since received a letter from them stating denial of the loan based on income. That is not the case. I was pre-approved by the same company. My income and employer have not changed.
These actions and behaviors are unacceptable. This impedes on my ability to purchase a home in the future. I would like this matter investigated thoroughly. I can provide an documentation necessary.
Thank you in advance for your time and help regarding this matter.
Best, XXXX XXXX XXXX Sent from my XXXX
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| 11/18/2022 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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Movement Mortgage has now retaliated against me for filing a CFPB complaint ON XX/XX/2022, regarding my escrow account and a refund OF TAX ESCROW of, XXXX, and intends to charge me for a lapse insurance coverage and report that information!
Movement Mortgage has now indicated that I had a lapse in insurance coverage due to their errors.
The company responded to my CFPB complaint on XX/XX/2022, via phone call. They informed me that I now had a lapse in insurance coverage due to the fact, that they didn't get the policy binder back in XXXX when my former policy expired.
In fact, I had been speaking to XXXX at movement mortgage for two weeks, getting my new insurance information from XXXX XXXX, and he informed me last week, that he had the information from XXXX, my agent at XXXX XXXX.
Back in XXXX on or about XX/XX/2022, I advised my then-insurance carrier, XXXX XXXX XXXX that I would not be re-insuring with XXXX XXXX XXXX I also advised Movement mortgage of the same information, via email and phone. I provided the new insurance company with my loan information and was told that the information on my policy would be sent to the mortgage company.
Now, on XX/XX/2022, when the new policy should've become effective, the insurance department at Movement Mortgage didn't inform me that it had not taken effect. In fact, Movement mortgage didn't like my new policy, so they went ahead and informed XXXX XXXX, over my intentions, to issue a policy despite my informing them, that I had informed XXXX not to renew.
So XXXX issued the new policy without my knowledge, and Movement didn't inform me that they didn't have the new policy information.
Now I didn't know until XX/XX/2022, that XXXX had issued a new policy and my new policy was not in effect, so I told XXXX to cancel the reissued policy, XXXX XXXX ( My XXXX Agent ), told me that he didn't know why my policy didn't cancel, that there was an error in their processing system.
So, now after about 45 days, I find out about all of this information : 1. That XXXX insurance, had, in fact, issued a new policy.
2. That Movement did not, so they claim, receive my new policy information.
3. That, XXXX insurance hadn't canceled the reissued policy, until XX/XX/2022.
4. That I was not covered by my new policy until XX/XX/2022 when XXXX from the Movement XXXX department called me for the new insurance information.
So on XX/XX/2022, I got a new quote from XXXX insurance and effected a policy for XX/XX/2022. I provided that information to XXXX at Movement Mortgage and was told on XX/XX/2022, by XXXX at Movement Mortgage, that he had my policy information and that everything was fine with my insurance, no problem.
Just one day after I file my CFPB complaint, I get a call from a XXXX XXXX, where among other things, she said the following : 1. That I had a lapse in insurance coverage despite the fact that XXXX had me covered, from XX/XX/2022, until XX/XX/2022.
2. That I had an Escrow deficit of {$4000.00}, despite the fact that they refunded {$2000.00}.
3. That I had to backdate my insurance coverage to, XX/XX/2022, due to their error, despite the fact that most carriers wouldn't do this for more than 10 periods.
4. That they were going to charge me for insuring for the lapse period, that wasn't my fault.
This harassment by Movement Mortgage is clearly facially retaliatory action for filing my CFPB complaint ( # XXXX ), for the missing escrow funds and in violation of Federal Regulations, Laws, and procedures!!!
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| 10/22/2020 |
Yes |
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- Trouble during payment process
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Web |
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We took out a mortgage with Movement on XX/XX/XXXX. Our first payment was due XX/XX/XXXX, I received a letter sometime in XXXX that our mortgage had already been sold. I paid that company in XXXX. On XX/XX/XXXX our mortgage was apparently sold to another company. The letter did not come in the mail until XX/XX/XXXX ( I have a certified mail email showing the date the post office received the letter and delivered it to us ). I had already mailed out a check to the previous lender. I called the previous lender, they claimed they would not be cashing the check. I called XXXX XXXX XXXX and placed a stop check. I then proceeded to pay online to the new company because I did not want my mortgage to be paid late. XXXX XXXX received the paper check that was paid to the other company and they proceeded to cash that check, and then take my debit payment that I made through the app. I called them and asked for one payment to be returned to me. I had also called XXXX because I paid for a stop check and they still allowed the check to be cashed! They put in a claim for me due to this being an error. They also refunded me my money. At this point in time, I had now received a refund from both parties and my mortgage for XXXX had not been paid. XXXX XXXX then tried to cash that check a second time, and obviously it bounced, I do not have two months worth of my mortgage in my checking account and the money had not yet been refunded to me. I immediately called and tried to straighten it out. Finally, on XXXX everything with XXXX and Movement was straightened out and I was able to call into Movement Mortgage and make a payment over the phone. It was direct payment with my checking account number & routing number. That payment deducted from my account on XXXX. That payment was for XXXX. On XX/XX/XXXX I made a payment on the movement mortgage app that was directly from my checking account. That payment was for XXXX. I have been called every single day to be told that my XXXX mortgage is not paid. XXXX has also sent me certified proof that my mortgage has been paid on XXXX & XX/XX/XXXX. I have called at the LEAST every other day, most weeks I call every single day. I have recorded every call log that I have made to movement mortgage to straighten this out. Every single representative I speak to says a completely different thing. Yesterday I spoke with three different representatives who all said I would receive a call back yesterday, no one ever called back. At one point yesterday I was told that one of my XXXX payments was for XXXX, out of the 18 people I have spoken to I have yet to hear that one. I wasn't even a customer of this lender in XXXX and I have proof of every single payment made ( including the XXXX payment which is also attached ) Not a single person has been able to tell me where the XXXX payment went. Every person says the XX/XX/XXXX payment was applied to XXXX, but that makes no sense. XXXX has confirmed multiple times the money has been deducted from my account. I am very displeased with how my business with movement has been handled. This has been the absolute worse experience and the people working for this company seem to be less than educated because not a single person can direct us in the right place as to where that XXXX payment went. I have called multiple times today and are placed on hold, or hung up on. No one can tell us where our money is.
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| 06/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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My fiance and I have been in the process of purchasing a home and were pre-approved for a loan. We placed an offer on a home on XXXX/XXXX/XXXX and our agent immediately followed up with our lender XXXX, with Movement Mortgage to make sure the closing disclosure had been signed and taken care of and he answered in the affirmative. We provided all documents that he requested on numerous occasions. We were assured that we were good to go and all documents were being properly filed. On XXXX XXXX, we received confirmation from the state of Indiana that a tax lien in my name had a zero balance. The state had made a clerical error in the spelling of my name and had not properly filed my state taxes from XXXX. The lien was paid by me immediately, then when all records were corrected by the state, I was credited the full amount. I provided that paperwork in email, fax, and paper form to the lender on XXXX different occasions. The lender stated that there was need to delay the closing to make sure this would all be cleared and the seller agreed to the delay. Over the last few weeks, our agent has followed up with the lender to ask for a new closing date, and the lender stated that my fiance would not be able to be on the loan based on his work history. This is something that should have been known from the beginning. He told us that I would be able to be the sole person on the loan and that everything would move forward. We waited to hear a new closing date, with no response. Our agent followed up on several occasions to make sure the appraisal had been ordered and received conflicting answers. At this point, my agent and I called his supervisor, XXXX, and spoke to her about our concerns. She stated that many of the items that needed to be completed were not, but she assured us that they would be completed. We were then given a closing date of XXXX. Our agent again asked if the appraisal had been ordered and again did not receive a response. From the beginning, we assumed the loan was an FHA loan, but have received conflicting information as to whether it is a conventional or FHA loan, and I am still not sure. Yesterday, the lender accepted my bank information to pay for the appraisal and then proceeded to tell my agent that my credit score was not high enough and we would not be closing next week. This sounds fraudulent to me. We have already paid for XXXX separate inspections {$300.00} for a general, {$120.00} for a termite, and {$100.00} for a roof and placed {$500.00} down in earnest month based on his confirmation that I was approved. He has never told me that I do not qualify or that there is any problem. XXXX several occasions he has stated that he is " working on it '' with apparently no progress made. When my agent spoke to him and told him she would notify the selling agent that the closing was not happening, he asked her not to do so and said his assistant was " wrapping it up ''. At this point, I do not feel confident that the closing will happen and I am afraid that I will lose this house. The seller can only be so patient and my apartment lease in up at the end of this month. I am at a loss as to how to proceed. I already have nearly {$1000.00} that I have outstanding with this transaction. Almost all communication has been by text, and much has been done with my agent. I would be happy to provide her contact information for further documentation.
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| 08/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XXXX, XXXX, I received a notice that my property at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CO XXXX would be assessed a value of {$640000.00} by XXXX XXXX. We purchased the property in XX/XX/XXXX for {$430000.00}, with a loan of {$410000.00}. We countered XXXX XXXX, and landed at a property value of {$560000.00} based on comparable sales we were able to provide. Our current loan is {$380000.00}, which puts our XXXX at 68.99 % so we are well within the 75 % XXXX XXXX for PMI to be dropped.
On XX/XX/XXXX, I requested that my mortgage company, Movement Mortgage, remove my pmi payments.I paid {$180.00} for this service. They sent a 'valuator ', XXXX XXXX XXXX out to our property to do the appraisal/valuation. He went to the property and took pictures on XX/XX/XXXX. I have all of our text correspondence. On XX/XX/XXXX, when I checked with XXXX, they said they didn't have the report yet. I checked with XXXX, he said it was 'on hold '. I checked with XXXX, they said there was an address issue with XXXX XXXX. We do have an easement that is part of the property that has a parcel number, but is not titled separately. I checked this by calling XXXX XXXX XXXX. I continued to communicate with XXXX about our appraisal being completed. On XXXX, XXXX XXXX said the contract was 'cancelled, ' so he was done on his end. I got my lender, XXXX XXXX and his team involved, and they tried to help me figure out what was going on. This went on with XXXX for XXXX. I had to fight to get our valuation released, and they said they sent it on XX/XX/XXXX to my husband 's email. He never received it. I requested it again on XX/XX/XXXX, and received the report estimating our house value at {$500000.00}, and denying the removal of our PMI because the value needs to be at {$510000.00} to be at 75 % XXXX. XXXX XXXX 's assistant, XXXX, appealed the appraisal amount.
The pictures on the report show XX/XX/XXXX. The report date shows XX/XX/XXXX.
XXXX XXXX is not an appraiser in the state of Colorado, he is a real estate agent with XXXX XXXX XXXX license number License # XXXX. None of the updates I provided that we did after the purchase are listed on the report. The report comes from XXXX, I haven't gotten confirmation that XXXX XXXX works for them in any capacity, I am reaching out again today. Our name on the report is not listed, just XXXX XXXX, ALL OF THE PROPERTIES LISTED ON THE REPORT are incorrectly recorded according to XXXX XXXX XXXX data. Our property is listed at XXXX XXXX living space, it is actually closer to XXXX, are missing XXXX sf of living space. All of the other properties have MORE living space on the report than the assessor 's data except for ours. For XXXX, XXXX and XXXX, our property value is listed at $ XXXX and up, so our 'value ' is off by at least {$60000.00} on the LOW end which is XXXX XXXX XXXX XXXX.
The reason I knew to do further research is because I was in XXXX XXXX as a XXXX for XXXX years. For other folks this practice may be happening to, they may be none the wiser and may be missing out on a mortgage reduction they are legally entitled to. Our PMI of {$85.00} won't break the bank for us if the denial was ACCURATE, but for a lot of people, that is a week or more of groceries, and I think it's despicable that this is going on with Movement Mortgage. How many other people in Colorado or other states have they done this to?
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| 01/28/2016 |
Yes |
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- Application, originator, mortgage broker
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Web |
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I applied for a mortgage w/ Movement Mortgage on XXXX XXXX XXXX. The process began as expected as this was the second loan i attempted to obtain on the property. Much more information than was initially indicated was requested, I 'm a XXXX myself so i understand that items outside of the customary documents are sometimes required. My issue is with the fact that midway through the process i was told my income verification was invalid because it was signed by a family member, who is the principal broker of the firm. I offered to have our in house attorney, who is not family, complete the form but then the loan office backed off and this did not come back up. Inconsistent. Then I was asked for a letter from our CPA confirming i had no ownership in the company, which I do not and was that was never implied nor does that show on the 3 years of tax returns that were supplied. This was a point of contention that was satisfied when i cc 'd my CPA on an email to confirm i had no ownership. Initially i was told i 'd have to obtain a letter, on paper, from my CPA w/ letterhead and that nothing else would suffice. When this became a point of contention w/ the seller 's agent ( who wo n't be named but is the one who referred me to this loan officer ) then an email somehow then sufficed at which point i asked for an approval or a denial letter because the contract date was approaching its end. I was told i was neither approved nor denied and that instead a withdrawal request would be submitted based on this request because i would n't agree to pay for the appraisal until the loan officer could tell me if i was approved, denied, or if more time/documents would be needed. At which point i again requested clarification, which i never received. The only response i got was that the email was satisfactory and that if i 'd agree to pay the {$500.00} for appraisal we could move forward and close on XXXX, which was two weeks out. Yet he would not say whether i was approved, denied, or if underwriting needed more time. Three days passed and the loan officer forwarded me the alleged communication between him and our CPA. I then asked my CPA for a copy of that same email and discovered that the loan officer had inserted his own choice of words into the email he forwarded me and falsified the email from my CPA. He had also, w/o my authorization, requested payroll records from my CPA when it was known all along that our payroll was in house as this too had been a sticking point that suddenly went away with no explanation. I had to provide copies of my homeowner 's insurance quote twice, as did my insurance agent, and was still told that the insurance quote was never provided. I went with this company because i was told he could close my loan in 10-14 days despite the new title regulations that went into effect on XXXX/XXXX/XXXX. 3 years of tax returns, XXXX different YTD income ledgers, 90 days of bank statements, a statement from my CPA stating no ownership in a company i never claimed to be anything more than an employee at, XXXX homeowners insurance quotes, XXXX copies of the contract, having to re-sign the online disclaimers twice and still could not be told that status of my loan then only to be ignored. I 've closed XXXX of dollars in real estate and worked with many different lenders and never dealt w/ someone so unethical and shady.
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| 08/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Loan Process/Getting Approved/Documents & Understated Costs : My wife, XXXX XXXX XXXX, and I were initially declined with our first lender due to her being self employed. We had to use XXXX because the listing agent saw an opportunity to send business to a friend as a negotiating tactic to give us time to find a new lender and complete underwriting our loan.
XXXX instructed my wife she couldn't be on the new loan with them due to her being self employed. I and my mother-in-law were eventually approved as the applicants for the home loan. XXXX sent all documents for signature to my wife 's email and spoke with my wife throughout the mortgage process. He was secretive in his dealings with us and made us feel very uncomfortable. He yelled at my wife and threatened to not close our home loan because she was asking too many questions.
During the process with XXXX, initial docs understated the PMI by 250 %. His assistant, XXXX, was very inexperienced and caused multiple delays ( i.e. not submitting documents according to standard procedures supplied by the bank, not submitting documents on time ). Neither he nor his assistant would answer our questions along the way ( i.e. updates on the status of the loan, why numbers didn't match in multiple documents, were documents submitted, questions concerning the type of conventional loan we were underwritten for, etc. ). Frequently we were told " we don't have an answer for you yet '' or " Unfortunately all I can say is that we are still working on the loan. '' XXXX understated deadlines for completion ( i.e. mortgage insurance underwriting being able to be completed in a couple hours ) to our Realtor. The morning of closing was when he and/or his assistant submitted insurance documents for approval ( avg turnaround for approval is 24-48 hours ). Our closing was delayed multiple times due to this. Early on in the process his assistant would give false information, my guess is due to lack of experience and knowledge in the industry or with our loan type which caused additional delays and frustrations. He expressed frustration with our asking questions throughout the process including legal jargon within his contracts. He stated we were taking time away from him working on our loan. My wife sent him a message stating until he answered a question about why the loan amount was changed, I was not submitting a signed form. He called and yelled at her. During that phone conversation he threatened to not finish the loan intentionally ; my mother-in-law, who was on 3-way, heard the entire conversation. He was incredibly unprofessional and made sure that all three of us felt uncomfortable and in the dark throughout the majority of the process. We had to call Movement to speak with a colleague in his office to get answers to what the agent said " were reasonable and normal questions '' and he apologized profusely on behalf of Movement Mortgage for our experience. XXXX had the VP of Movement Mortgage, XXXX, call my wife, XXXX, to try to intimidate her over the phone 3 times ( prior to her blocking his contact number ) to remove her review from XXXX versus asking about her experience. He stated " XXXX is a good guy and your review would hurt his business '', which was more important than customer relations and the liability to the company he was in his actions towards my family.
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| 06/20/2018 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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I was to close at first on XX/XX/XXXX, in which I did get a closing Disclosure prior to closing date but then it was pushed to XX/XX/XXXX I was approved for XXXX %, but after spending for {$500.00} appraisal, $ XXXXinspection, the lender stated, after the appraisal the lender stated they got it wrong because the tax records and HOA stated was a townhouse, but it was a condo, so I had to pay an additional cost of {$490.00} condo certification was required. This is when Everything changed my approval rate of XXXX % changed to XXXX % in the matter of 3 days, the condo certification ( questionnaire stated the condo had no reserves ) .I should have walked away but was told that is okay, still pursue because you have invested money, that you will have start over and pay over again. I even went as far as, to contact the management company over the condos. And what she informed me that they were struggling and that the reason why they don't have reserves is because of the delinquencies. She informed me the condo certification that I paid {$490.00} should have showed the budget which I never received and that I should have been informed of a right decision. She stated that she's a third party and she can't advise me of whether or not I should invest in this property. Because this was my very first time of buying a home I felt confused and all the information kept changing on the lender behalf. I felt pressured and I was accused of not wanting to finish going through closing but I didn't change all the information. So I sit here today writing this at 5 in the morning, because my closing is today. I don't make a lot of money and my parents had to help me, but I feel like this is not right. I've not had the closing disclosure sent to me prior, I only had the Alta statement sent XXXX not even 24 hours before closing. I asked for CD I was told the Alta statement is what I can review. But after research these are two separate documents and the seller now has my personal information. This was my very first time buying a house and it's been the worst experience ever. I truly dont know what to do. I am so so sad and the issue is, I was staying with a friend and now, if I dont sign I wont have a place to stay but I feel strongly this is not right. I am beyond stressed, because my integrity and character means alot to me. But because the owner of the whole entire property stated they're struggling, the HOAs are {$300.00}, and they may have to increase because of the delinquencies. I feel this is not a good choice. But I was told the seller is counting on me to hold up my end or lose my {$1000.00} earnest money. It's frustrating come on because I really don't know what to do. Also there are fees on the ALTA statement that I didn't see on my first Closing Disclosure dated XXXX. I never received an amended Closing Disclosure. My whole issue everything keeps changing not for good but for worst, I never received my Closing Disclosure, today is the closing and I am not sure if the rate change or what. Is this the right way? I now wish I would have went through a class, then I would not feel the way I do. I was told just a two day ago I would only have to bring {$9000.00} but now the wire statement says, see additional change at the last minute {$9100.00} by XXXX.
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| 08/26/2022 |
No |
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Web |
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1. I was solicited after disclosing an issue I had that was preventing approval, and that I would not be able to move forward with the application process. I was told directly that I could be approved as well as going through the motions and receiving an approval from you during this process.
2. When I applied for the first house ( single wide ) I was told I was good to go by XXXX and submitted offer only to have someone completely different from the office come back and say noand then it took over 24 hours to get resolution on what the ACTUAL answer was, which was a no, causing a need to withdraw 3. As referenced in 1, you stated that you would send my pre-approval all the way through underwriting to be sure there would be no issues at closing, and it was approved. When I received the update after you had to run everything again for the most recent home, it would be my assumption that the same process would have been done given the situation.
4. When there was indication that I was not going to actually be approved through you I received the following guidance from you stating that I would be able to get approved through them. With that document they would honor not counting the student loan against you. I had already been denied for that issue, but after your guidance reapplied with them. And the loan officer I spoke with said that has never been there policy for at least 7 years since she has been with XXXX.
5. Referencing the above email from you and below, you stated that the appraisal had been put on hold and I would receive a full refund, and that you would cancel the order and the fee would be refunded back to me. Later, you contracted all that by saying that the appraisal had been completed thats why I didnt get a full refund. Then you contradicted that when I asked for a copy of the appraisal that it had not been completed and I did not receive a full refund. 6. While not a monetary issue, the overall inconsistency of communication, delays in responses, and conflicting responses significantly impacted not only my ability to purchase a home, but cost me thousands of dollars. I am not the finance expert. You and your people are trained and paid to do this and know all the ins and outs of the process. Any actions I took were based on your professional guidance and assurances.
In total the experience with you cost me {$2600.00} dollars, not to mention the emotional toll. All of the issues that I ran into were thoroughly discussed and disclosed to you prior to you approving me, giving me guarantees, etc regarding the Loan, XXXX XXXX, and the appraisal. I am unable to afford an apartment my family fits in ( as I was in temp housing during the closing time of the home ) without liquidating resources that were meant to purchase a home.
I am requesting compensation for cost of {$2600.00} that was lost due to unsatisfactory services I received through your company.
I have email correspondence, some texts, and my realtor who expressed concern with how they handled the entire process of my attempts to purchase.
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| 09/26/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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I began my process of loss mitigation with XXXX XXXX in XX/XX/XXXX when I began to get behind in my mortgage due to being under employed, having a reduction in pay due to a job change that took place in XX/XX/XXXX. Since XXXX my file with the mortgage company has been closed several times according to them after the file was closed for missing documents. I have emailed and mailed documents to them and would be told that they were never received.
In one of my most recent conversations/interactions I spoke with a representative named XXXX ( not sure of spelling of name ) on XX/XX/XXXX, of the loss mitigation team to follow up on a submission of documents I had submitted by emailed on XX/XX/XXXX via email. During this call I was told that they were only missing two documents, XXXX statements from XX/XX/XXXX to date ( this had been submitted in the XX/XX/XXXX submission ) and two bank statements ( requested documents had been submitted on XX/XX/XXXX & XXXX ). I had submitted one statement earlier only to call two weeks later to get an update on my file to be told that my file was closed again for missing documents ( XXXX statements and an account statement ) which I was never told was needed. I called on XX/XX/XXXX and was told that my file was closed as of the day before XX/XX/XXXX and that my processor had changed again. I requested a call back from the processor at that time, but I have not received a call from a processor. I received a call from the collections department regarding my payment and was informed that foreclosure documents had been ordered on my account.
On Monday XX/XX/XXXX I called to do another follow up and spoke with a representative name XXXX when I was informed that my file was actually closed on XX/XX/XXXX because my packet was not complete. I inquired what was needed in order to make my packet complete but the representative never gave me a direct answer, she just kept repeating that they needed the missing items and that would make my packet complete. I continued to explain that I was unaware of the missing items because I was never notified of what was missing. When I arrived home that evening ( XX/XX/XXXX ) I had received a packet dated for XX/XX/XXXX requesting the documents mentioned above ( XXXX statement and one bank statement ). On XX/XX/XXXX I received an email with a list totally different than what I was told on the phone the day before and it didnt include the items that were stated why my file was closed on XX/XX/XXXX.
On XX/XX/XXXX I submitted a full updated packet that was received on XX/XX/XXXX. On XXXX XXXX I received an email requesting NEW information regarding documents I had been sending since I began this process. Information is now being requested for an account on my daughter 's pay stub that has never been asked for. I was also asked to include as my income my mother 's XXXX income because I am listed as her beneficiary. Her awards letter was submitted early in this process but I am just now being asked to include it as MY income, which I do not understand.
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| 05/25/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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We have a HomeStyle Renovation Loan with Movement Mortgage. This product enables us to bundle home acquisition plus money to renovate the home with. As renovation work is completed, our General Contractor submits requests for payment, which are reviewed by the lender for completion, then money is dispersed to the GC.
The nature of this payment schedule is already difficult for most contractors, as it means they need to use a line of credit to get work done by their sub-contractors, before finally being reimbursed by our lender ( Movement ). As expected, there is a service-level agreement that once a draw has been requested, the lender act within a reasonable amount of time to get the parties reimbursed.
On XX/XX/2022 ( 37 days ago as of this complaint ), our General Contractor requested a draw for ~ {$62000.00} for work related to Electrical, Insulation, Drywall, and Flatwork ( Concrete ). This represents the work of 4 different sub-contractors plus the efforts of the General Contractor themselves.
Since the draw was requested, we've yet to be reimbursed. We have continually been promised action from our Renovation Draw Specialist, XXXX XXXX, to no effect.
The Draw Specialist also does not seem to understand how to manage our level of renovation project. It is very clear on the draw request what work needed to be reviewed ( Electrical, Insulation, Concrete, Drywall ) -- yet the Renovation Specialist from Movement wanted the Appraisers to check for the presence of working utilities ( Water, Electrical, Gas ) in order to complete the assessment. XXXX XXXX XXXX will not connect a Gas line to the home until major gas appliances are installed ( furnace, hot water heater, range ) which is a one of the very last steps ( if not the last ) when completing a build. An assessment for utilities is not congruent with the Draw Request, nor would we pass it at this juncture.
We've requested updates, or an understanding when things will be done, and continually are told that we will be contacted by the appraisal company for scheduling, which never happens.
Our last email, sent two days ago to our Renovation Draw specialist at Movement Mortgage, went unanswered.
In the state of Pennsylvania, a contractor may file a Lien against the property for non-payment, and in no specific terms we've been told by our GC that we're up against it for this action.
Our General Contractor also can no longer use their sub-contractors for work outside of our project because of non-payment on ours, and their lines of credit accrue interest from our project.
This issue with the lender is causing us personal hardship. We now have a challenging relationship with our General Contractor, our renovation project is held up every day that we aren't able to pay our workers, we pay for a longer period of Builder 's Risk insurance, we are facing the risk of our home having a lien placed against it.
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| 08/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Loan Process/Getting Approved/Documents & Understated Costs : I want to make note that I am self employed. My husband and I were initially declined with our first lender due to that. We had to use XXXX because the listing agent saw an opportunity to send business to a friend as a negotiating tactic to give us time to find a new lender and complete underwriting our loan.
During the process with XXXX, initial docs understated the PMI by 250 %. His assistant, XXXX, was very inexperienced and caused multiple delays ( i.e. not submitting documents according to standard procedures supplied by the bank, not submitting documents on time ).
Neither he nor his assistant would answer our questions along the way ( i.e. updates on the status of the loan, why numbers didn't match in multiple documents, were documents submitted, questions concerning the type of conventional loan we were underwritten for, etc. ). Frequently we were told " we don't have an answer for you yet '' or " Unfortunately all I can say is that we are still working on the loan. '' XXXX understated deadlines for completion ( i.e. mortgage insurance underwriting being able to be completed in a couple hours ) to our Realtor. The morning of closing was when he and/or his assistant submitted insurance documents for approval ( avg turnaround for approval is 24-48 hours ). Our closing was delayed multiple times due to this.
Early on in the process his assistant would give false information, my guess is due to lack of experience and knowledge in the industry or with our loan type which caused additional delays and frustrations. He expressed frustration with our asking questions throughout the process including legal jargon within his contracts. He stated we were taking time away from him working on our loan. I sent him a message stating until he answered a question about why the loan amount was changed I was not submitting a signed form. He called and yelled at me. During that phone conversation he threatened to not finish my loan intentionally ; I had a witness who was on 3-way that he was not aware of until later in the conversation.
He was incredibly unprofessional and made sure that I felt uncomfortable and in the dark throughout the majority of the process. We had to call Movement to speak with a colleague in his office to get answers to what the agent said " were reasonable and normal questions '' and he apologized profusely on behalf of Movement Mortgage for our experience.
XXXX had the VP of Movement Mortgage, XXXX, call me to try to intimidate me over the phone 3 times ( prior to me blocking his contact number XXXX to remove my review from XXXX versus asking about my experience. He stated " XXXX is a good guy and your review would hurt his business '', which was more important than customer relations and the liability to the company he was in his actions towards me.
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| 10/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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My husband and I decided to refinance with a cash out option on our home with Movement Mortgage. We started the process In XXXX and ended up closing in XXXX. CD 's were late being delivered to us and we missed one of our scheduled closings, which caused an increase. We received a CD Disclosure on XX/XX/XXXX, which we were told was not the 'final disclosure ' but it would get our 3 day window started and that there were some fees that the lender was going to take care of. This disclosure was esigned by us on XX/XX/XXXX. A second disclosure came out to us on XX/XX/XXXX ; which was both esigned ( XX/XX/XXXX ) and then hand signed at closing ( XX/XX/XXXX ). This CD changed the amount of the cash out we were receiving, and provided lender credit. The final CD arrived on XX/XX/XXXX ; while we were on our way to closing. The title company supplied us with full copies of the XX/XX/XXXX paperwork at closing, which we hand signed and went home with ; to be funded on XX/XX/XXXX, with an amount of XXXX. When funding came through on XX/XX/XXXX ; the amount funded was XXXX. We immediately called out to the Title company because of the discrepancy, and was told that the CD was amended after/during closing by the Mortgage Company, and that they would reach out to them and see what was going on. During this time, the lender reached out to us ( on XX/XX/XXXX ) to ask for more paystub information, as they didn't get enough to complete their files before closing occurred. On XX/XX/XXXX, we received an email back from the Title Company asking us if we had heard from the lender. We had not, and forwarded that email to the lender with Movement Mortgage, and was advised that they were " working on resolution ''. Since XX/XX/XXXX, every email sent and received to/from the mortgage company just stated they were working on it ; Voicemail messages and emails to Movement Offices and Compliance Departments went unanswered. So on XX/XX/XXXX ; we sent an email to our lender advising if we did not receive a resolution that day that we would have to pursue legal advice. This seemed to have gotten a reaction out of the lending company ; because we then received an email not only stating that the additional funding was being sent for the " Tolerance Cure '' but that they cc 'd legal as well. So while things seem to be moving along in regards to the funding discrepancy ; we now have questions as to whether or not we ever received the fees that the lender said they were taking care of, the appraisal fee that we pre-paid and were to be reimbursed, and that the overall state of our refinance was done correctly. It further concerns us that our account was funded off of a CD that was sent during closing, that was never fully signed or disclosed. When we looked up what a Tolerance Cure is, it talks about a method to keep consumers from being over charged and TRID violations.
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| 08/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I am filing a complaint against Movement Mortgage for the financial situation outside of my control. I had a change in employment status at my previous employer at the end of last year. On XX/XX/XXXX, I attempted to work with Movement by requesting for temporary forbearance for 3 months in accordance to the Cares Act mortgage forbearance program. At the time, I recently secured employment and would start within 2 weeks.
I was pushed away from this option by customer services reps in the loss mitigation department, via refusing to discuss the option and instead sent a form in the mail that required me to fill out personal information to evaluate the " assistance '' they would offer me. This was initiated by the loss mitigation support via email correspondence.
This lead ultimately to a discussion on XX/XX/XXXX with another customer representative claiming that I need to pay the full amount {$6200.00}. They refused to accept anything less and refused to offer the forbearance as mentioned earlier.
I withdrew most of the fund in my XXXX with previous employer to bring the account current status.I sent a check in the amount of {$6300.00} to their XXXX XXXX XXXX XXXX, GA that day. I request that their loss mitigation support to inform me of the arrival of the check. I heard nothing else from that agent.
I was told by the agent that each month the balance would continue to increase and if the current balance amount was received by end of the month any checks wouldn't be accepted. This deeply bothered me as I simply desired for movement mortgage to get the account paid up as soon as I possible could.
On the XX/XX/31, I called to make a phone payment in lieu with check in the mail. I informed the agent to simply return the check to me since they have done this to me in the past. I was told this was Ok and they comply with this request.
On XXXX & XXXX noticed on my XXXX checking account that the check was cashed anyway and phone payment in the amount of {$6200.00}. This over drafted my account by {$6000.00}. I called their customer support on XXXX to resolve this. I told them that due to their actions, I don't have the funds to cover my weekly living expenses ( i.e. food, other bills ). I was told that they will send a refund check minus XXXX 's payment of {$1400.00} for the amount of approximately {$4800.00}.
However to date, I have received no such check in the mail. I called XX/XX/XXXX to make XXXX 's payment and I was informed that the account is still showing approximately {$7000.00} balance which includes XXXX 's mortgage balance. I requested that since I haven't received the check via mail can they simply apply it to the balance.
Over the course of most of the last 4 weeks, I have been on a phone call at least once a week with various agents that have attempted to resolve the issue on their reporting.
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| 08/19/2023 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I was informed months before getting a mortgage that I would need to take care of some issues on my credit report to bring my scores up so that I can qualify for a mortgage. That was in XX/XX/XXXX. I did as I was asked. I received a call from my mortgage broker stating that my scores went up and I was ready to look for homes and get my mortgage. XXXX XXXX my mortgage broker got a realtor for me, and I found a home and was told that the underwriter would approve a loan faster if I get a single-family home instead of a manufactured home which I wanted. I did as I was advised by my realtor and mortgage broker. I found a home and the home appraised higher than was thought. The underwriters and mortgage broker had me give many documents and I did as I was asked. I was also asked to come up with a certain amount of money for closing costs. I did that. I was even asked if I had a 401k and I stated I did. I was informed in order for us to close on the loan I would need a certain amount of money and the seller will be paying some closing costs. I pulled the money from my 401k. We had 3 closing dates and each day of closing there was another excuse, but everything that was asked of me I provided. At the last potential closing date because we had asked for an extension from the seller and was granted the extension, I was told the loan did not go through because of student loans which happened to be untrue. When I called the mortgage broker on the fact that it was not true and sent the documentation. I was then told it was due to late payments on a paid off vehicle. I explained I was late in XXXX and it was paid off but why are they mentioning that now when the loan had already been approved at this time. I did not take out loans or made any big purchases which I was told that would be the only things to not let the loan go through at this time. I had already given my complex my move out date, cancelled my cruise because we were closing too close to my vacation, so I lost my money for my cruise because we did not close on time. And needless to say, after all of this I was told no home for me the loan is not going through. Goodbye. I sent messages regarding the information was not correct and that I can try to get my daughter to help me which she refused to put her name on the loan. I was then met with no more responses from the mortgage company or broker. I was truly mistreated, misrepresented, lied to and I feel maybe discriminated against. I lost money, my new home, and for the mortgage company using so many banks or underwriters, my score went down drastically. I have the proof of how many times they pulled my credit which were hard pulls, along with emails, mortgage documents, homeowners ' insurance, title, inspections, appraisals, and many more documents. I need help please.
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| 11/23/2023 |
Yes |
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- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
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Web |
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To Whom It May Concern, I am writing to formally lodge a complaint regarding the handling of my FHA loan associated with the property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Despite having a buyer and an accepted offer for my property, I am facing significant obstacles due to Movement Mortgage , LLC 's refusal to proceed with the loan assumption process, compounded by a concerning lack of internal communication within the company.
Background : As a homeowner managing an FHA loan for the aforementioned property, I unfortunately fell behind on a few payments. In response to this situation, I listed my home for sale in early XXXX and successfully found a buyer, a highly qualified doctor, willing to pay the full price. An offer was made and accepted by me in good faith.
In collaboration with Movement Mortgage, I filed a claim to bring the mortgage current by adding the missed payments to the back end of my loan and signed a promissory note to this effect.
Issue at Hand : However, I have encountered a significant and distressing roadblock. Movement Mortgage is refusing to proceed with the loan assumption process for the buyer, citing the reason that the loan is not current. This is perplexing and misleading, given the claim filed and the promissory note signed specifically to address this issue.
Moreover, there is a glaring issue of internal miscommunication within Movement Mortgage. When I interact with different departments, including customer service, loss mitigation, and the loan assumption department, it becomes evident that they do not have access to or do not share records of the activities and decisions made by the other departments. This fragmentation in communication has led to an extremely frustrating experience, as it seems like the left hand does not know what the right hand is doing, creating unnecessary barriers in resolving my situation.
Request for Resolution : I am earnestly requesting an immediate investigation and resolution of this matter. It is crucial that Movement Mortgage facilitate the loan assumption process expeditiously to allow the sale of the property to proceed as agreed upon with the buyer. Failure to address this issue promptly will result in significant financial damage and will negatively impact all parties involved.
I also intend to request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter, as the current situation seems to be in violation of fair lending and servicing practices.
I expect a prompt response to this letter, outlining the steps that will be taken to rectify this situation. My aim is to resolve this matter amicably and efficiently, without the need for further escalation.
Thank you for your immediate attention to this serious matter.
Sincerely, XXXX XXXX
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| 02/16/2017 |
Yes |
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- Settlement process and costs
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Web |
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I has been working with a loan officer named XXXX who at the time was working for XXXX. I had met her through a first time home buyer class, I started the process in XX/XX/2016. I literally talked to XXXX at least 2x a week! I was pre approved and then approved for the loan. I found a house that I had built from the ground up, I had moved my whole family which includes my XXXX son and my husband from living in a nice apartment uptown. She told me I did n't have to put any money down, so she then moved to movement mortgage which she never let me know I had to reach out to her again! Which she finally responded about a week later! She then ran everything again and told me I was approved for the same loan amount. This was around XX/XX/XXXX, now in XX/XX/XXXX there was a change in the way lenders processed student loans which I was aware of and she told me that I had nothing to worry about, I said okay and continued to do what she asked me to do. About 2 weeks before closing she tells me that I wo n't be able to close on the loan unless i get rid of my car or find a new job paying me more! 2 weeks!!!!! I moved my family! At this point I was livid, stressed and depressed! One of my friends who had tried to work with her left and found another loan officer who wa able to approve her at a much higher rate thing XXXX initially had! My friend told me to ask her about the an Fha case number so that the 1 % of my student loans would or be counted, so I asked XXXX and come to find out she never even put the case number on my file! So I lost my house and I was homeless for about a month because she never entered in a case number to keep me grandfathered in to avoid the 1 % being counted against me! All she could say was " I 'm sorry I thought I did ''. I contacted her manager he said that she has had several complaints prior to me ( manager from XXXX ). She also did the same thing to a co-worker! I called XXXX about a month later and her manger said that i was never even approved they have no paperwork on me! I literally signed over 100 documents and arill have them showing what I was approved for. This was by far the worst experience ever! I would never wish this on anyone! XXXX was not truthful at all and she seemed to be a scam artist! XXXX and movement mortgage did nothing to ensure the protection of their customer ( me ) or coach her on anything! Because as stated both parties said she has had several complaints and did nothing. I hope this gets to the right place to avoid anyone else need scammed by her. Oh i also worked with a woman at XXXX for the credit portion of the loan and she told me that XXXX had moved over 5x in a year to different lenders! The consultant was so upset because she knows that XXXX is good for this.
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| 08/07/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Applied and took out a mortgage ( MOVEMENT MORTGAGE ) on XX/XX/XXXX/17 for $ XXXX. From the get go I told the mortgage broker it was my intent to pay the mortgage weekly or biweekly as that 's how we get paid and we want to get this thing paid off as quickly as possible, including adding some extra for principal when we could ... ... He said, " yes, we do that, but you have to wait til you get your first statement, as they have a " high turnover rate = selling the mortgage '' ... Now, fast forward to near closing : the mortgage broker ( XXXX XXXX ) was annoyed constantly by my questions like : asking for more details about what different fees were and requesting explanations etc. We probably had 15 versions of the Closing Docs, as I was reading them and questioning everything.. he basically said in a text to me.. " Well I found out you are pretty relentless in fight every person in the process, so now I need to call a whole bunch of people to try to get you written proof on how mortgages work and why you need to escrow '' ... Escrow was NOT the only questions I had and isi n't it his job as my mortgage broker to assist and educate me on the process? ( We did not have a real estate agent ). So on the last CD at the Settlement table there was a tax fee of {$420.00} to cover " unpaid '' taxes - however, our taxes were already paid for that period by the seller ( and proven ), yet they were still charged to the seller ( which my husband was XXXX seller ) and also the purchaser. They should not have even been charged to anyone ( Seller/buyer ). Was told by the title company representative for the Mortgage Broker ( at settlement table ) that they were told in advance by XXXX XXXX if there were any changes on the CD, that they would negate our approval and cancel our purchase. Ok, so we are out {$460.00}. because, whats XXXX to the grand scheme of XXXX and the entire loan process all over again??? Now, I get my 1st payment slip, call Movement to et up weekly or biweekly payments, and I am told they do NOT allow weekly or biweekly payment and do not have anything in place to do that. Basically ensuring the term of the loan and the amount of interest they collect. I would never ever recommend Movement Mortgage or their broker XXXX XXXX, whom I fully entrusted as he was a previous work colleague ( he rented office space ). After closing, I did not receive a thank you / congrats call, text or email from XXXX XXXX, but I am sure he will be enjoying the commission earned from that loan. I will be filing a lawsuit and complaint to the Federal Government, State Government Agencies, Better Business Bureau and any other agencies that I can get the word out too ....
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| 09/17/2016 |
Yes |
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- Credit decision / Underwriting
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Web |
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I have met all the requirements from pre-approval and final underwriting. They have stated that the max on the debt to income ratio for manual underwriting approval is XXXX % and I am at XXXX %. Other applicants with similar circumstances but a different gender, race and age where approved. I am under the XXXX % and they have denied my loan approval. They had me cancel one of my credit cards to meet their approval requirement 's, which has affected my credit. Since beginning the loaning process Movement Mortgage has known my debt to income ratio was 42 % the entire process, but has never mentioned it being an issue. I was told by the loan officer that if a different person on the loan committee did the final overview we would probably have a different outcome which is unacceptable. My life and my family 's life all depended on how one person feels about my age, gender, and race. I have my cash to close, three months ' worth of mortgage payments in reserves, home owners insurance, paid inspection fees, and the seller paid {$5000.00} towards the closing. I was conditionally pre-approved ( met all of the conditions such as closing my credit card ) for a loan amount of $ XXXX ; the contract purchase price was for $ XXXX. The seller paid $ XXXX, bringing the home purchase lower than the max on my pre-approval. Also, my mortgage payments would be approximately {$400.00} cheaper than my current rent which they are aware of. I have been renting for 3 years paying nearly {$1000.00} with no issue per my VOR. The mortgage would only be {$460.00} with about $ 200 monthly mortgage insurance, homeowners insurance and property taxes each month. I have been consistently employed for more than 3 years and I 'm currently employed as a banker. They made a huge deal out of my XXXX time ; discounting my hours worked and scrutinizing my time away from work on XXXX and XXXX ( XXXX ). Due to unforeseen issues with my XXXX and XXXX year old I had to devote some employer excused days to them but my monthly pay never showed a major decrease, if at all. They made it clear that this was a huge negative for them. I 'm also married and my husband is self-employed with a profitable business. We have a family that deserves the American dream that we have worked so hard for and we should n't have been denied this loan. They were clearly discriminating because I am a XXXX old XXXX Mother with XXXX small children ; however I am also a XXXX, with lucrative income, a solid work history, a solid rental history, and a fair credit score. Discrimination is not an option! We have to get justice!
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| 09/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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To start, my loan was a nightmare. I kept asking about the rising interest rates because I got an offer for a 4.5 % interest rate from another company and was told that Movement was still the way to go because the other included a hidden 1 % additional fee. I ended up getting locked in at 5.9 % on XX/XX/XXXX which was higher than the competitor even WITH the hidden 1 % fee when my lender went into " panic mode ''. I then found out it was really 5.99 %. I was told that XXXX did not exist, that it was a typo and I had signed the document with the 5.99 % on there ( I was told that signing the document was okay because it was not the " final '' version ).
I ended up calling Movement Mortgage XXXX XXXX on XX/XX/XXXX to get the interest rate situation sorted out. She said she could do one of two things -- Movement would pay {$1000.00} towards the next lowest rate and I would have to pay the excess or they would pay {$1000.00} of my closing costs. I chose the {$1000.00} to the closing costs. I now get an email on XX/XX/XXXX that Movement had to extend my lock an extra day but that my realtor, XXXX XXXX, was taking care of the extra cost for that.
I now get to the actual signing and the {$1000.00} off my signing is now only {$460.00} as the rest of it went to the extra day lock -- I had XXXX, the escrow officer of XXXX XXXX XXXX Movement to confirm that is where the money went. I have yet to get the remaining {$530.00} of the {$1000.00} promised to me from Movement that was already covered by my realtor and Movement is now trying to force me to sign a Settlement Agreement before giving me the rest of the money they owe and already agreed to pay.
I got a response from XXXX XXXX on XX/XX/2022 with the following : Cash to Close - After your discussion with XXXX XXXX you were to be given a lender credit of {$1000.00}. Here is how that {$1000.00} was to be applied. We did not charge the .125 % discount point ( {$460.00} ) and we were to give you a lender credit of {$530.00} on the Final CD. Adding those two numbers equals a credit that would have equaled {$1000.00}. Unfortunately you were only given a lender credit of {$460.00} on the final CD. Adding {$460.00} ( fee not charged ) and {$460.00} ( credit ) equals {$920.00} I will be more than happy to send a check for {$75.00} to you but our legal department requires me to send a Settlement Agreement for your signature. If you would like for me to start that process, please let me know.
Again, they ignore the fact that the extra day lock was already covered by my realtor.
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| 09/26/2015 |
Yes |
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- Application, originator, mortgage broker
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Web |
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Bottom line we have XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX accepted employment that was rumored he had before the State announced the {$53.00} XXXX TAXPAYER-FUNDED INCENTIVES with Movemnet Mortgage. XXXX is a XXXX for Movement Mortgage in XXXX with a substantial salary. Movement mortgage is best known to pay referral sources to be the in house lender such as XXXX and XXXX and XXXX XXXX XXXX well over XXXX figures a year each.. So lets connect the dots, XXXX now Management with a mortgage firm that accepted {$53.00} XXXX in TAXPAYER MONEY for incentives to then turn around and pay private enterprise for business for himself to earn a very well paid living.
See his web site to where he said these type of deals are outrageous!!
SC Lawmaker Gets Gig With Company Receiving Tax BreaksMORE STATUS QUO CORRUPTION FROM XXXX STATE 'S RULING ELITE|| By FITSNEWS || A South Carolina lawmaker has XXXX given a job with a company that got more than {$50.00} XXXX from XXXX State taxpayers.
Movement Mortgage - which received XXXX} XXXX in taxpayer-funded incentives in late XXXX to relocate its corporate headquarters across the border from XXXX, XXXX to XXXX XXXX, XXXX - has hired XXXX XXXX XXXX XXXX. XXXX announced his hiring via XXXX on XXXX.
XXXX is close friends with XXXX governor XXXX XXXX - whose administration approved the incentives package for XXXX.
Sound shady? It is ...
This website has repeatedly railed against government-subsidized, market-distorting incentives - arguing they provide certain companies with unfair competitive advantages at the expense of individual taxpayers and small businesses. Also, South Carolina 's escalating use of such incentives has failed to create jobs or raise income levels over the long haul.
Now we learn a state XXXX is getting a job from XXXX of the company 's benefiting from these anti-competitive subsidies?
Shameful ...
Also XXXX Mortgage - despite its claims to the contrary - appears to be re-inflating a new housing bubble by offering loans to those rejected by banks.
" We do n't want to go back to the subprime days, when we were extending credit to the wrong folks, but we do want to make sure we 're extending credit to those borrowers who do have the ability and capacity to repay the loans but XXXX just not have traditionally documentable income, '' the company 's founder told XXXX earlier this year.
Yeah ... what could possibly go wrong?
XXXX XXXX XXXX 2015 XXXX Terms Privacy & cookies Developers English ( United States XXXX
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| 12/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Private mortgage insurance (PMI)
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Web |
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XX/XX/XXXX I've contacted Movement Mortgage Bank with the request of PMI removal according to the fact that home value increased. I received a form and I've paid the cost of home valuation. XX/XX/XXXX, at XXXX XXXX, I was contacted by the agent who should perform valuation, with the access request for the time frame ( XXXX ), this request was denied because of inappropriate scheduling and the time frame. The visit was rescheduled for XX/XX/XXXX, at XXXX. At the valuation visit the agent walked around our home and took multiple pictures of our house inside and outside. I want to point out to your attention that the agent took a picture of our XXXX daughter while she was sleeping, this fact was discovered only when we received the valuation report ( XXXX XXXX ). As a parents, we were very concerned about this issue, I asked to delete the image from the report and all sources of storage of the information ( electronic, paper ) by the Movement Mortgage Bank and all contractors or subcontractors of it.
On the third week after the valuation visit, XX/XX/XXXX at XXXX I had requested the information about results of valuation, unfortunately I did not receive any feedback, so I had sent another email XX/XX/XXXX at XXXX XXXX, in feedback that was received was attached just a PDF copy of the valuation report. XX/XX/XXXX at XXXX I had received an official letter, valuation report and PMI valuation dispute form with the instruction stating that valuation can be contested in 60 days from the valuation date ( XX/XX/XXXX ).
I've supported my contestation with the valuation report which was made by independent Broker in Charge ( please see attached files ), and I also disputed the comps that was used by the Movement Mortgage agent : Sale 1 : House from XXXX, is approx. 6 month from sale, and there are newer more valid comps available.
Sale 2 : House was sold also 6 month ago, and it is XXXX bd and XXXX bth there are comps that are more like subject home than this one ; Sale 3 : is XXXX story, subject home is XXXX story ; Sale XXXX : Is new construction under contract but not closed ; Sale 5 : Is new construction under contract but not closed ; Sale XXXX : Is an active listing.
In response for my dispute XX/XX/XXXX, I had received denial, main argument was " subject of valuation is backing on the XXXX XXXX XXXX ''. I had disputed that, providing the information from the XXXX XXXXXXXX XXXX map and all other information.
Unfortunately, I still don't have any feedback.
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| 12/15/2017 |
Yes |
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Web |
Servicemember |
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XXXX XXXX XXXX our family got stationed at XXXX, we moved into a apartment in search of a home prior to our household goods being delivered. We found a home and on XXXX XXXX asked our lender ( XXXX XXXX ) what documentation was needed for a pre-approval, We provided the documents and had completed everything with the realtor paperwork ( contract ended on XXXX XXXX XXXX ), inspections, {$2000.00} in XXXX and were ready to order the appraisal. On XXXX XXXX we gave the lender the green light to order the appraisal. On XXXX XXXX or XXXX the lender said the appraisal was ordered. We received several emails and phone calls from our realtor regarding the status of the appraisal and on XXXX XXXX reached out to our lender and asked about the appraisal because we havent heard anything yet. The sellers, the sellers realtor and our realtor requested some sort of documentation/proof that the appraisal had been ordered and XXXX XXXX refused to show anything reflecting the appraisal had been ordered stating it was " against their company 's policy ''. On XXXX XXXX our deadline/end of contract we still had no information on the appraisal. Our lender claimed it had been ordered and again refused to show anything proving the appraisal was ordered. We really wanted this home so our realtor reached out to the sellers requesting an extension on our lender XXXX XXXX word that he would close on the XXXX of XXXX. On XXXX XXXX My account was charged XXXX $ for an appraisal fee by movement mortgage. The home was placed back on the market and we received a cancellation from the seller on XXXX XXXX due to the inability of our lender XXXX XXXX to be honest and his failure to fulfill the duties the job required him to do. XXXX XXXX we asked lender why my card wasnt charged for when the first appraisal was supposedly ordered. XXXX XXXX response was When the seller is covering costs we initially charge all orders to our account & then it 's applied at closing on settlement statement as a " cost '' & then paid by seller. When this one was re-assigned to the new appraiser there was obviously a chance of it going south due to seller backing out so it was then charged to you at that time in case it did n't close so it would n't be our expense. On XXXX XXXX I called the VA and asked them if they have any information of the 1st appraisal being ordered, the only information the VA had was when the house was purchased previously in XXXX and then XXXX XXXX XXXX when my account was charged.
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| 09/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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My credit was pulled by Movement Mortgage on XX/XX/18 and I received an email from the agent on XX/XX/18 informing me that I did not meet the required XXXX required to qualify for a mortgage loan. He further went on to advise that the next communication I would receive would be from an agency advising what I needed to do to increase my credit score. I was initially upset about this, because I was opposed to having my credit pulled and I was basically urged by Movement to have it pulled. I have a very clear picture of my financial position, and I informed the agent that I didnt want my credit pulled at that time because I wasnt in a position to buy a home at that time. I was encouraged to call Movement Mortgage in regards to a credit repair program. Nevertheless, there was no follow-up with any further information as promised. I was then asked by a buyer 's agent if I would mind speaking to someone else in another Movement Mortgage Office. I said sure, whoever is going to be able to guide me and get me the help I need.
I received a call within the next day or two from another agent. I was upfront with this individual just as I was with the prior agent. The new agent ask me several questions basically confirming information I provided on my previously submitted loan application but never did we discuss submitting a loan application or pulling credit, because the other office had already pulled credit on XX/XX/XXXX. I am disputing both credit inquiries and would like them removed immediately, because the services that Movement presented and the end-goal was totally misrepresented as presented to me.
The second agent asked me several questions during our phone conversation, and any information obtained was for the sole purpose of identifying me so that he could retrieve my credit file in Movements system since he did not work in the same physical office as the prior agents. There was never a discussion, nor did I express an interest in submitting a new application. The main concern that I expressed was trying to determine how the middle score was obtained through the first office in my denial with no explanation, because I knew my credit score should be higher. I simply wanted to know if credit scores for mortgages were determined using a different method than general credit applications, and I clearly explained that to the agent. I authorized the credit pull on XX/XX/XXXX however the XX/XX/XXXX pull was completely and totally unauthorized.
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| 09/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
Servicemember |
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On XX/XX/2021, I entered a forbearance plan with my mortgage company, Movement Mortgage. Shortly after, Movement Mortgage hit my credit with a 60 days late during the forbearance period of XX/XX/2021 to XX/XX/2021. I contacted them about the issue and they sent me a credit correction letter and assured me the information would be updated and it was temporarily. My credit was restored and the late reports were removed. I continued making payments as instructed by Movement Mortgage for the months XXXX, XXXX, and XX/XX/2021 and was officially removed from the forbearance plan. I then paid the remaining balance for the months missed in XXXX, XXXX, and XX/XX/2021 during the forbearance when I made the XX/XX/2021 payment. This particular payment in XXXX was for over {$12000.00}. Therefore, I was caught up completely and never paid anything late. Sometime after making the large payment in XXXX, Movement Mortgage reported another 60 day late to the credit bureaus, despite all my payments being made according to their direction. I have contacted the company ( Movement Mortgage ) for more than 30 days and have received no cooperation in fixing the matter. Movement Mortgage denies reporting late payments to the credit bureaus entirely. I have filed disputes with the credit bureaus and I am still waiting on the results from XXXX and XXXX. XXXX however, sustained the late notices on my account which has continued to negatively affect my credit and has prevented my wife and I from purchasing and financing a much needed vehicle. Furthermore, the documents submitted to XXXX by Movement Mortgage are inaccurate and do not show valid payment history as it was paid and received. Based on the above, the months for which I am being reported late should have been covered under the forbearance plan by law. I have copies of all of the documents required to prove this case with a doubt. It is my request to file a complaint with both Movement Mortgage and the XXXX reporting agency. I would also like these documents supporting my case to be afforded to XXXX and XXXX so that I may clear my name in this matter. Attached you will find redacted documents showing the payments being made from my bank account. You will also find a copies of the credit correction letter and forbearance letter sent to me from Movement Mortgage. I have included the delinquency pages from all three credit bureaus as well as the sustained results from XXXX. Thank you for time and consideration.
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| 03/23/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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On our initial meeting with Movement Mortgage on XX/XX/2016, they presented their closing cost estimate and our interest rate of 3.75 %. They noted that because my wife is employed by XXXX that we would receive a {$2000.00} credit towards closing. They wrote this on our paperwork they gave us which is clearly visible on the attachment, and XXXX also shows this credit on their employee discount webpage which we have enclosed as well. Fast forward 1 month and we find out our expected closing date of XX/XX/2016 has been pushed back to XX/XX/2016. We decide to let our rate lock expire and we will relock 60 days out around XX/XX/2016. On XX/XX/2016 we relock in at 3.75 % for 60 days which will give us a few days of cushion beyond XX/XX/2016 closing date in case anything happens and we dont close on time. On XX/XX/2016 when we are supposed to get our closing disclosure to meet the 3 day obligation, we hear from Movement that our rate and our product are no longer available. They claim because the Fed increased the rates that our interest rate had increased as well and there was nothing else they could do. They said this occurred sometime in XX/XX/XXXX but could not give specifics. They then said our new rate was 4.375 %. After some back and forth with the local loan officer, her boss, and his boss ( the top local boss ), we are put in touch with the corporate office where we present our attached timeline and letter. Within a couple of hours, the corporate boss calls us back and says they will honor our 3.75 % rate. We go to close on the XX/XX/2016 but we do not see our original {$2000.00} closing credit. 2 weeks later after moving and settling in, we email and call the local big boss about the credit. He does not respond to the email and is rude to my wife saying they had already done enough on getting us a great deal that we were not entitled to since our product did not exist anymore. It is our belief that the loan officer was negligent in locking in our rate at 3.75 % on XX/XX/2016 despite our repeated attempts for confirmation and her each time saying it was locked. We believe she, along with her boss and his boss all conspired to cover up this mistake by saying our product no longer existed and that we were stuck with the new higher rate, take it or leave it. We believe they fully agreed to our closing cost estimate and that it is not our fault they made a mistake and are trying to minimize their losses by eliminating the closing credit.
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| 09/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On or about XX/XX/XXXX, my husband and I applied for a mortgage loan with Movement Mortgage to purchase a house for {$270000.00}. They sent us an application for a {$210000.00} loan, including a lock agreement document, which they had filled out to say that we chose not to lock in the rate. It also indicated that the choice was not binding until we declared an intent to proceed with the loan. When we received the loan estimate document on XX/XX/XXXX I called the broker, XXXX XXXX, and told him that we wished to increase the amount of our down payment, and waive the escrow, in order to lower the monthly payment. I asked for a new written estimate, showing these revisions and new closing costs, which he refused to give us. After discussing this with my husband, he emailed Mr. XXXX the next day, XX/XX/XXXX, and reiterated the request, and asked for the rate to be locked in, at the quoted amount of XXXX. Again, Mr. XXXX insisted that written revisions were not necessary, that he had taken care of everything. On XX/XX/XXXX, six days before our scheduled closing, we received a new loan estimate, which still included the escrow, and a letter of changed circumstances, which indicated an increased rate of 5 %, due to the fact that we had failed to lock in the rate. When we telephoned him, and reminded him that we had made the request, he denied it, and said that he had made numerous attempts to get us to lock in, which was not true. The lock agreement which he included with the revised estimate was the first we had ever seen for the {$190000.00} loan that they had approved for us. He insisted we must sign the incorrect estimate document in order to close on time. We tried to pursue this with other loan officers, XXXX XXXX, and her supervisor, Market Leader XXXX XXXX, to no avail. Even when we presented them with the XX/XX/XXXX email request, they insisted that the lock agreement that was part of the application, even though it was not for the loan we received, was the overriding document. We feel that this was no more than a bait and switch. The email in question explicitly asks for the rate to be locked in, yet they insisted on calling it a request for rate information.
We have already forwarded copies of the relevant emails to the company, and they are in possession of all loan documents, and choose to interpret them to their own advantage, which is why we have contacted your bureau for help.
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| 08/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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On XX/XX/XXXX of 2021. I XXXX XXXX and spouse contacted Movement Mortgage stating. That we had submitted a formal letter and form provided by Movement Mortgage to remove PMI from our mortgage account based off of the equity now in our home due to the increasing demands of real estate. A letter was received stating that the company would soon evaluate our request. Several weeks later I received a letter from Movement mortgage asking me to provide proof of improvement made to our home. I then called and emailed Movement stating that improvement to the home was never the reason we asked for the PMI to be removed but the accrued equity in the home. The Movement mortgage representative then stated they would correct their records and an appraisal would be don on the home with fees charged to us. We were told by the movement mortgage representative that they could not accept an appraisal from us directly. My husband and and I agreed to the terms. After several follow up calls to Movement asking about the status we only received that they were working on it no further action was needed from us. After three months of not hearing any word from the mortgage company, we finally sent a demand letter for information after calling XXXX XXXX and XXXX XXXX for guidelines on removing PMI. Movement stated they were sending our case to escalation but after a week we heard nothing. Then on Friday the XXXX of XXXX, we received a call from Movement Mortgage but was unable to hear the person on the other end. We immediately return the call. The customer service representative said someone that was a costumer service supervisor named XXXX had called us and that she was messaging him that we were on the phone. The representative said she was going to cold transfer us. After 10 minutes there was no sound and the phone disconnected. We called once again to Movement and explained the series of events to the new Movement representative we were put on hold. When the representative return she said XXXX informed her that we would not be available for a call on Saturday and that we have been more than patient and that XXXX should have called us back as he knew we had tried countless time to reach him on this high priority issue. We are within our rights to have the PMI remove but Mortgage refuses to follow its owns process to move forward with our request and we seek assistance with this matter. XXXX and XXXX XXXX
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| 07/30/2022 |
Yes |
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Web |
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I started the loan process with Movement Mortgage in XX/XX/XXXX. I finally signed a contract on a home in XX/XX/XXXX. This home was new construction and still being built. In XX/XX/XXXX I contacted XXXX XXXX, branch manager whom I'd been dealing with during this process and voiced my concerns that the interest rate was rising ( now at over 3 % ) and I did not want to be priced out. XXXX advised me that he would monitor the rate and that they have meetings every Monday mornings to discuss the trends of the interest rate. Fast forward to XX/XX/XXXX, I contact XXXX again expressing that I didn't want to be priced out because at that time the rate was inching to 3.75 %. We discuss the cost of locking the rate and XXXX states since I stayed with Movement Mortgage opposed to using the builders lender, who by the way was offering closing cost assistance, they ( Movement Mortgage ) would cover the cost of the extension. Finally on XX/XX/XXXX I receive paper work to lock the rate for four months at 3.75 % which would have carried me through XX/XX/XXXX. At this time I haven't done my research to know that the first two months of locked rate there is no charge. After many delays the date of delivery was not meet by the builder, which caused the 1st extension which cost me {$710.00} and was for 2 weeks based on a XX/XX/XXXX delivery which was given to me by the builders. That date passed as well which caused an additional extension for another 2 weeks it's costing me an additional {$710.00}. During this time I'm constantly receiving updated paperwork from Movement mortgage and I noticed on one of the documents that something had changed there was now an 0.375 % of the loan amount ( points ) totaling {$1000.00} on the loan documents which wasn't there initially. When I asked XXXX to explain what the points were because I didn't buy down points to get the 3.75 % rate, that was the rate I locked in with, he tells me points can be different things. I asked for a detailed breakdown of all the fees associated with the locked rate, however when he sent this so called breakdown, he failed to include what the points were. I can provide the email he sent. Up until the day before I closed I asked for an explanation of the points but at this time XXXX began to treat me as if he was doing me a favor and in his words and I quote " she should by grateful for the deal she's getting ''.
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| 11/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Credit decision / Underwriting
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Web |
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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.
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| 02/11/2022 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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My mortgage company allowed me to go into the covid forbearance program. In XXXX of XXXX I reached out to advise I wanted to come of the forbearance and start making my reg payments! When I entered into this program I asked detailed questions about the process and was advised that it was very simple, no paperwork or anything would be needed! Well when I called in XXXX of XXXX, I was advised I'd get a call back with others!
Come XXXX of XXXX, I still had not heard anything so I called and they advised I had a pay my due and paper work was fed ex to me! I advised I never got it and if they had a tracking number. I was then advised I'd get a call back!
I got a call back and she had advised me the paper work never went out, and that she would work with them to reprocess everything!
In XXXX of XXXX, I got a letter from my homeowners ( nationwide insurance ) that my home owners insurance had not been paid! I also, got a letter from my mortgage company advising me that I they were going to force new insurance because my policy had not been paid! I call them and the escrow XXXX comes back and says they will take care of it!
Meanwhile the modification XXXX reaches out and says, that the original plan won't work because I had prev modification ( when my mother was XXXX XXXX and they needed a lot of paperwork, and wanted to process a full review, and that they had known this 4 months and just didn't call me or tell me! I finally get all request for paperwork for in XXXX! Meanwhile my home owners insurance pay my went out from my mortgage company but after the lapse date! I get a letter from them saying my insurance policy lapsed and now my mortgage company is saying they will do forced insurance! I'm so stressed with this process, they are not telling me stuff in a timely matter and if my home was to catch fire I'd have no coverage and if they make me get forced insurance then it could be less coverage and very expensive! I can't get anyone on the phone and they just seemed not want to help or take my calls! I feel like they are trying to make things hard on me!
My mortgage company is Movement mortgage I took out the loan in XX/XX/XXXX My loan numbers is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX And this is my primary residence for myself and my XXXX children! I'm afraid they are trying to take my home or something
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| 02/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I applied for mortgage and was charged for it along with the appraisal fees after loan officer had input the property itself won't qualify ( guidelines ) I applied for loan # XXXX with XXXX XXXX back on XX/XX/2017 and was charged for the the application along with the appraisal fees later on XX/XX/2017 and XX/XX/2017 respectively and notified on XX/XX/2017 that the loan application was denied.
The lender claimed that they denied my application because of the high debt, but upon checking the budget for the condo we were trying to finance, the bottom of page 4 says that XXXX is operating at a {$39000.00} loss. I have then come to find that the true reason the lender denied the project is because XXXX requires that the HOA budget operate at a surplus or balance out, and I have confirmed that Movement Mortgage too, like any other bank wouldn't provide a loan in such a case anyway by ( i ) checking with a different Movement loan officer too and ( ii ) checking with another very experienced officer from a different bank who confirmed that no bank would give a loan in this case at all. The reason isn't really the high debt on my end or whatever the mortgage company is claiming therefore. Noting that the bank took so long to deny my application, it was obvious their officers were just trying to prolong the process hoping that I would give up so that I don't blame it on them ( they had the appraisal ordered after they saw the budget, and therefore, shouldn't have ordered it in the first place ). They were extremely irresponsive throughout the process ( so many e-mails I sent they didn't respond to, including the last one I sent requesting a refund ).
I am attaching the very lengthy correspondence I have had with XXXX XXXX, another Movement loan officer, and with XXXX XXXX, an independent loan officer from another bank too, proving that neither mortgage officers and banks would have approved the loan because of the outstanding debt the budget of the condo complex had in 2017 ( i.e. not because of the so-claimed high debt the officer I worked with claimed ). I am also including the correspondence with XXXX XXXX, from the complex management company indicating that she is aware of the budget deficit too.
I am also attaching the HoA budget statement and the denial letter I received from the mortgage company.
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| 11/17/2023 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
- Changes in loan terms during the application process
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Web |
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When I applied for my first time homebuyer program I was shopping around. Movement Mortgage told me they would like to try to match the rate I was being offered by XXXX XXXX. The rate was XXXX XXXX. Movement advised that if I paid roughly {$600.00} I could get the 6.5 %. I agreed to pay that. My initial XXXX XXXX showed XXXX XXXX ; however, I noticed the rate wasnt locked. I called my mortgage rep and was told that Movement was watching the rates as they expected them to drop but that I would absolutely get the XXXX XXXX A week later I had not heard anything and again advised that I wanted the rate locked to ensure it would not rise above the XXXX XXXX. I was again told not to worry as I would be getting that rate. On XX/XX/XXXX I received a call from my mortgage rep stating that the rates had gone up and my rate would now be XXXX XXXX and that she needed to lock me in immediately. I was very upset. I reminded her I was promised that I would get the XXXX and twice asked that my rate be locked and was told not to worry. I again asked why my rate wasnt locked when I had twice previously requested it. She said Movement was watching the rates so they wouldnt have as much of a cost. She apologized and said that if I wanted to pay {$3400.00} then Movement could get my rate back down to 6.5 %. I was within XXXX weeks of my closing, which occurred on XX/XX/XXXX. I had no way to negotiate or fight with them over this because it would have delayed my closing and I wouldve lost the house and my XXXX money deposit of {$3000.00} because there was already a signed Purchase and Sale. The rate lock was also set to expire and it couldve went even higher than the XXXX XXXX I was completely pressured to lock in at the higher rate. They waived the fee to be at the rate that I closed at but it was not the rate I was repeatedly promised and that was initially disclosed. I feel this was a complete bait and switch and completely abusive and deceptive. I repeatedly asked for my rate to be locked. They skirted around it every time telling me they were watching rates but that I would absolutely get the XXXX XXXX. When I received the call on XX/XX/XXXX the mortgage rep also told me she had to call several other clients about the same issue so Im sure others had unexpected rate hikes. This company needs to be investigated.
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| 08/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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My wife and i purchased a fixer-upper house in XXXX XXXXthrough mortgage company Movement Mortgage XXXX Through the loan we were buying the property as well as complete renovation. We had to get bids for the job and submit them along with info on the general contractor to the mortgage company, and it was our understanding that Movement Mortgage would vet and either approve or deny the contractor. It became very evident that they failed to do this as the contractor quit leaving our house in ruins, and it has come to our attention that the contractor had forfeited his business months before due to tax reasons, and Movement Mortgage never caught this. The contractor got away with $ XXXX of our money and left us at risk of the house being condemned. Movement Mortgage has taken no steps to help make this right.
Hired a man named XXXX XXXX to be our general contractor. I had known XXXX for quite some time as he was a member at the country club I work at. He applied for the job with the business name, XXXX XXXX XXXX XXXX. Several months and red flags later we found that this business did not exist as an LLC at all and he lied on the application. After receiving over {$57000.00} in draws from Movement Mortgage and {$7000.00} personal funds, he abandoned the project after 5 months and breached our contract in many ways. Our house is now severely damaged due to the state it was left in and in danger of being condemned all together. We are facing multiple leins on the property because he didn't pay his subcontractors. According to a licensed inspector with XXXX XXXX XXXX XXXX, the work that was done by XXXX is defective and dangerous. The entirety of XXXXXXXX XXXX work will need to be torn down and rebuilt. After multiple calls to various lawyers, it's clear that the state of Texas doesn't protect you against scammers like XXXX. As a result of this man 's actions, my wife, toddler, and myself are now living in an office at my in-laws, paying mortgage on what is now a big pile of trash. I'm posting this in hopes that it's shared to prevent XXXX from hurting another family and to remind people that you can't trust just anyone. Sometimes, not even people you've known for years.
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| 06/22/2018 |
Yes |
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Web |
Servicemember |
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To whom it may concern, My client XXXX XXXX XXXX and I are very dissatisfied with the process in which Movement Mortgage provided for the transaction, located at property ; XXXX XXXX XXXX XXXX XXXX. XXXX, Movement Mortgage has failed to take accountability for the mishandling of XXXX XXXX file. XXXX XXXX set out to relocate to XXXX XXXX from XXXX, by the end of XXXX and XX/XX/XXXX, the day before we were set to close XXXX XXXX XXXX and I were told, The loan was denied by XXXX XXXX XXXX, supervisor to XXXX XXXX XXXX, due to income, how is this so when that is verified initially. I entrusted our affiliated partner Movement Mortgage, to provide my client with exceptional service, in which they failed to do, Movement Mortgage, states 7-Day Process and how fast the file goes to underwriting, if this is so how did this happen and why is my client distraught/lost XXXX Earnest Money, XXXX Appraisal and XXXX Inspection, totaling XXXX. XXXX XXXX received a Conventional Pre-Qual letter on XX/XX/XXXX and I followed up with the loan officer XXXX XXXX to make certain that XXXX XXXX file was all set to move forward, prior to the beginning of the home search process, I was informed that XXXX XXXX file was all set to write offers. On XX/XX/XXXX we presented an offer on property XXXX XXXX XXXX XXXX XXXX XXXX and the offer was accepted on XX/XX/XXXX, at which the contract went binding and set to close on or before XX/XX/XXXX, and 25-day financing contingency. My client, the listing agent and I, had a rough time getting in contact with the Loan Officer, only when I saw the Loan Officer XXXX XXXX in the office he would inform me that he would reach out to the listing agent and my client, he assured me that the file was moving right along and would close prior to the anticipated close date, which was false. I would like for Movement to take accountability for the mishandling of XXXX XXXX, the entire process was difficult/stressful, from the improper verification of income, lack of communication, incorrect appraisal order FHA instead of Conventional. Attached are the documents used in the transaction. Please advise how you all would like to proceed.
XXXX XXXX XXXX email : XXXX XXXX
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| 10/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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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.
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| 10/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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On XX/XX/XXXX I received a pre-qualification letter from Movement Bank for {$140000.00} to purchase an investment property, me and my realtor started to look for properties and on XX/XX/XXXX we went into contract for a property to be sold at {$100000.00} for that amount I would put 20 % down and Bank was supposed to lend the remaining balance.
I put {$2000.00} for earnest money sent to Attorneys and {$2000.00} for Due diligence money sent to owners so they would take off the market and be in contact with us-my realtor and me, due diligence money as for my understanding to work as a promise to close the deal or lose it.
I paid for a inspection that was done XX/XX/XXXX at the property where I was planning to purchase XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX, everything seemed normal.
Then suddenly on Thursday XX/XX/XXXX I received an email from XXXX XXXX loan officer at Movement Bank to tell me I must borrow a minimum of {$110000.00} for this loan, something that wasnt disclosed before or at any point, why would they not share such a critical information until after I went into contract, after 9 days of knowing I was into a contract and they knew the purchase price.
Now Im losing the {$2000.00} sent to current owners as a due diligence money, and Movement Bank representative just saying that they told us and they making an emphasis on the loan amount, I have the pre-qualification letter and emails where nothing was disclosed, in fact my realtor was also surprised on why would they let us go so far getting into contract and then drop the XXXX.
In email from Thursday morning XX/XX/XXXX also from Movement Bank representative loan officer XXXX XXXX says As a reminder the minimum loan amount recommended for investment loans is at least {$110000.00}.
RECOMMEND it doesnt say is a requirement.
Theyre the Bank and now refusing the loan for about {$84000.00} because they say its too low, but Im losing my due diligence money, because they let me go into contract and put that money in.
Attached is the pre-qualification letter where is show a hypothetical {$140000.00} loan amount.
Email dated XX/XX/16 says estimated payment scenario.
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| 05/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Thank you for reviewing my case. The overview : My experience of going through a conventional refinance application with Movement Mortgage and XXXX XXXX was miserable. It was during the height of the pandemic and my partner was a floor nurse dealing with Covid patients, but somehow, XXXX XXXX managed to make things even worse. The process started XX/XX/2020 and by XXXX, 2020, after countless requests for P & L statements and multiple " Changed Circumstance '' letters where the points incrementally increased every time from XXXX, to XXXX to XXXX with no word or explanation, I was effectively ghosted by XXXX XXXX who stopped returning my emails deep into the process. As an example of the type of client service he offers, there was also a 2-month delay from XX/XX/XXXX to XX/XX/XXXX for a simple " yes/no '' answer from a second-mortgage holder on subordinating the second. That said, abysmal customer service isn't why I'm reporting XXXX XXXX. My primary issue is the fact I paid {$500.00} for an appraisal he ordered for my loan application ( which as described went nowhere ) and when I reapplied for a loan with another broker, XXXX XXXX in XX/XX/2020, XXXX XXXX refused to release the appraisal, saying no such transfer was possible ( relevant email thread included ). XXXX XXXX assured me the previous appraisal was still good and there was no need to get another one. But since XXXX XXXX wouldn't cooperate, I had no choice but to pay {$520.00} for a new one ( XXXX XXXX, copy included ) so I could pursue the new loan. I should note that ONE MONTH later, I had my conventional refinance through XXXX XXXX approved. I had the same income, same circumstances, same pandemic going on, but no months-long games like XXXX XXXX put us through. My simple request is to be refunded the {$520.00} that XXXX XXXX cost me because he wouldn't simply convey the still viable appraisal to my new loan broker. Considering all the time, effort and frustration he caused my partner and me, I think he's getting off easy. And I hope this note serves to steer those looking for a loan broker in the opposite direction. He's a bad investment of time and trust.
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| 02/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I bought my house in XXXX, XXXX and got a mortgage with Movement Mortgage , LLC. I immediately set up auto withdrawal for all my mortgage payments well before my first payment was due in XXXX, XXXX. My first payment was auto withdrawn from Movement on XX/XX/XXXX and again on XX/XX/XXXX. The first payment was {$1900.00} but the second was a lesser amount of {$1800.00}. I called Movement on XX/XX/XXXX inquiring about the lesser payment amount and was told that was due to an overcollection of escrows at my closing which had adjusted my monthly future payment amounts down to {$1800.00}.
A few days ago, I received an envelope in the mail with information stating that my loan was in default and that I had never made any payments which is clearly not true because Movement AUTO WITHDREW them from my bank account. I am attaching copies of my bank statements that show each payment was auto withdrawn from my account, as well as the letter I received from Movement stating I was in default.
I immediately called Movements phone number as provided on the default letter to find out why I received this letter and was told this is some type of servicing issue on their end and that both my XXXX and XXXX payments were received but put into a suspense account held by Movement because they took out the incorrect payment amount in XXXX. I am also attaching copies of my loan portal that shows I am in default but that my payments were received. To date, these payments have not been credited back in my loan account, thus appearing that I have not made any payments and am in default.
I have contacted the local Movement Mortgage , LLC that I used when I got this loan telling them of this issue, asking for it to be corrected, and nothing has been done. Clearly, I am beyond upset with this situation since I did everything I was required to do to insure my payments were being taken out and made on my loan and now it appears that my credit is going to be affected since no one has taken care of this mistake that was made by Movement. I feel this is fraud.
Any assistance you can give me to get this straightened out would be greatly appreciated.
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| 04/26/2019 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I began working with a broker ( XXXX XXXX ) with Movement Mortgage XX/XX/XXXX. I wanted to refinance my current home, as it was to become a rental property and purchase a new home. I would have 2 transactions with their company. Over 3 months later, there was no progress nor were we moving forward on these transactions.
On XX/XX/XXXX the broker ( XXXX XXXX ) informed me she was moving to another mortgage company ( XXXX XXXX XXXX ) and wanted to bring my accounts with her. It is my belief the broker was holding my file to take my business with her when she got setup with a new company, however, I had always expressed my desire to close as quickly as possible. I advised XXXX XXXX I wanted to move forward with Movement even though she was no longer employed there. In the meantime, XXXX XXXX, submitted an application, ran my credit and sent me disclosures through XXXX, even though I did not authorize her to do so!
I started working with XXXX XXXX with Movement on XXXX. Ultimately I had to resubmit all documents and disclosures and application due to the previous broker ( XXXX XXXX ) never putting my info into the system at Movement. I paid {$1300.00} for appraisals for both properties ( My current home and the new home ) arranged by Movement and later found out XXXX XXXX ordered the appraisals and immediately put them on hold. No appraisals were completed and XXXX XXXX service ultimately refunded my money. The process still seemed to not move forward.
I decided this was not the right company for me to setup a mortgage with due to the lack professionalism, empty promises and lack of communication and I decided to apply with another mortgage company. I informed XXXX, from Movement on XXXX that I decided to go with another lender. I was advised by my new Lender, Movement sent in information to FHA and HUD stating I was a risk and Movement denied me for a home loan, which is not the truth! I lost my financing with the company I was working with and my lender was forced to find a new lender for me. I believe Movement made this claim to FHA and HUD as retaliation for me deciding to go with another company.
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| 10/29/2018 |
Yes |
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Web |
Servicemember |
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XX/XX/2018, My wife and I came across an acreage we fell in love with. With the conditions of the home and past financial difficulties in our past, we knew this was a long shot to aquire. With some research and talking with my realitor she pointed us in what we thought was the right direction. We contacted the mortgage company that could help us with an FHA 203k loan. This was around XX/XX/XXXX. The process moved along pretty smooth. With a few hiccups with contractors and insurance through half of XX/XX/XXXX. With our sites set on closing XX/XX/XXXX we had no idea how far off that dream was. XX/XX/XXXX loan was dissolved and started over the beginning of XX/XX/XXXX. With no closing date in site I was put back in the blender. More documentation, bank statements, pay stubs, Drivers licence, proof of fund 's, update my job title, question my pay stubs and why I make so much more money than last year? Did I go to school, was I educated or did I have special training? My ChXXXX comes back up, I've sent discharge documents on this months ago. I start wondering why they keep digging into stuff? Why We aren't moving forward? Now its XX/XX/XXXX, Appraisal finally gets done. They or someone wants mold remediation plan wrote up. Issues with the foundation arise. Ask for rental history verification again after 3 month. Start digging into my credit and private student loans. Making my contractor change his bid on several occasions. Starting to feel hopeless at this point. Its now XX/XX/XXXX. Wasted weeks if not months of repair time. Still feeling lucky to have contractors on board at this point. Closing? I'm thinking XX/XX/XXXX. XXXX XXXX contractors business not registered with the state comes up after 4 months. XX/XX/XXXX stuck on mold and foundation issues. XX/XX/XXXX want paint and mold added to the contractor bid. At this point I'm furious, ready to walk away from my dream. XX/XX/XXXX XXXX sign Closing Disclosure Documents for a closing date of XX/XX/XXXX. XX/XX/XXXX XXXX? Discrepency in some figures? Sorry not closing today. Please help! I feel like I'm being set up for failure. Non of this has felt right.
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| 12/23/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Older American |
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Received a purchase / construction mortgage from Movement Mortgage in XXXX XXXX. That loan was for the property purchase ( $ XXXX ) and renovation funds of XXXX $ XXXX XXXX for a total loan amount of {$180000.00}. Contractor did n't start work until XXXX XXXX. Worked four weeks, was paid $ XXXX from construction fund. After receiving payment the contractor abandoned site. Found a replacement contractor. Movement Mortgage wo n't release any of the remaining construction funds to the new contractor or to me to pay the contractor. They wo n't even work with me to refinance the original loan for the new contractor 's contract price. The new price is higher than the original contractor 's price, since major damage was caused by that contractor and now has to be fixed under the new contractor contract. In the interim I am required to pay monthly principle and interest on the remaining construction funds they are holding and wo n't release toward any construction. This has created a complete STOP on renovations of our home and has created much over costs since we can not move into our house. Since Movement Mortgage wo n't do anything for us, we have found a local Bank that maybe able to payoff Movement and issue a new mortgage. Movement after too many requests, refuses to give me payoff amounts on my existing loan. They wo n't give me any actual numbers. They continue to refer me to my mortgage statement balance which includes the remaining $ XXXX construction funds that they are holding and wo n't release but demand that I pay monthly on.
The attorney that I have hired to sue the first contractor, spoke to an attorney at Movement Mortgage who gave a reason for not doing anything for us was that they were afraid I was going to sue Movement Mortgage. As of this writing Movement mortgage wo n't return my calls or respond to me. I want to have this situation investigated as to the legal right of Movement Mortgage to keep funds and demand that I pay principle and interest on those funds. Also to refuse to submit proper payoff accounting of my loan so I can move forward with a fairer and more reasonable lender.
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| 03/03/2022 |
Yes |
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Web |
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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.
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| 02/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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We closed on our loan XXXX/XXXX/XXXX. We have it in writing that we wanted to make bimonthly payments to save on interest over 30 years. Our loan provider Movement Mortgage ensured us again and again that it is simple to set up. On XXXX/XXXX/XXXX we received a letter from a different company XXXX stating that we no longer should pay Movement and that they are our new servicer. We were never notified of the transfer from Movement and we did not receive a bill from XXXX until I called them and asked for XXXX a few days before our first payment XXXX/XXXX/XXXX. XXXX does not offer bimonthly payments even thought at first they told me that they did. They have now confirmed in fact they do not. This is something I was looking forward to doing and saving money in the long term about {$40000.00}. Not only did Movement lead us on in saying they would provide great customer service and that bimonthly payments are easy to set up but they did not inform me ever of a new loan company. Movement did not return my email dated XXXX/XXXX/XXXX the same day I was informed by CENLAR that our loan was changing. They only emailed me a month later after I posted a negative Yelp review describing my experience so another customer doesnt make the same mistake I did. I have read that the selling loan company needs to inform the borrower well in advance before transferring a loan and I also think they should not lead customers on saying they will allow bimonthly payments when they are intending to sell the loan the same week it was closed on. I understand how mortgages are bought and sold all the time but this situation seems a little abnormal. I have it in writing from an email dated XXXX/XXXX/XXXX that when my first bill comes from Movement that I could set up bimonthly payments. I am sure that our loan was already in the process of being sold and it could have been an opportune time to inform me the buyer. I am going to look over my loan documents to find the percentage chance that they are going to sell my loan as well.
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| 01/23/2023 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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Mortgage Company : Movement Mortgage XXXX XXXX From : XXXX XXXX and XXXX XXXX XXXX Loan Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CO XXXX Escrow payments are too high. With the exception of XXXX XXXX escrow amounts are well beyond the two month cushion rule. They are withholding amounts leaving a balance as follows below. They will not respond.
XX/XX/XXXX Escrow Balance is {$1800.00} XXXX taxes due of {$1100.00}, which will leave a balance of {$1000.00} after the XXXX escrow payment of {$390.00} ( this is the escrow payment I am charged each month.
XXXX escrow balance {$1400.00} XXXX escrow balance {$1800.00} XXXX taxes due of {$1100.00}, which will leave a balance of {$1000.00} after the XXXX escrow payment of {$390.00}.
XXXX escrow balance {$1400.00} XXXX escrow balance is {$1800.00} XXXX insurance payment of {$1500.00}, which will leave a balance of {$650.00} in the escrow account. Which is not quite a 2 month cushion assuming their escrow payment per month of {$390.00} is right.
Then in XXXX and XXXX of each year tax payment of {$1100.00} are made, and insurance is paid in XXXX of each year of {$1500.00}.
Escrow balances starting in XX/XX/XXXX and each month thereafter, with each escrow payment from us of {$390.00}, and the taxes and insurance payments are as follows...
XXXX, XXXX $ {$1000.00} XXXX, XXXX {$1400.00} XXXX, XXXX {$1800.00} XXXX, XXXX {$2200.00} XXXX, XXXX {$2600.00} XXXX, XXXX {$1800.00} ( tax payment ) XXXX, XXXX {$2200.00} XXXX, XXXX {$2600.00} XXXX, XXXX {$1800.00} ( tax payment ) XXXX, XXXX {$2200.00} XXXX, XXXX {$2600.00} XXXX, XXXX {$1400.00} ( insurance payment ) XXXX, XXXX {$1800.00} XXXX, XXXX {$2200.00} XXXX, XXXX {$2600.00} XXXX, XXXX {$3000.00} XXXX, XXXX {$3400.00} XXXX, XXXX {$2600.00} ( tax payment ) XXXX, XXXX {$3000.00} XXXX, XXXX {$3400.00} XXXX, XXXX {$2600.00} ( tax payment ) The escrow balance keeps rising until XXXX of XXXX they are holding {$5400.00}. With one exception, their escrow amounts required of me are far more than a 2 month cushion.
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| 08/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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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.
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| 03/21/2018 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I was being told one thing one the phone then was told I had to sign something totally different from what I was told verbally. Each time I have asked questions I was threaded that if I did not do what was asked I would not get my house.
The Mortgage Company made me miss my original closing date which should have been XX/XX/XXXX due to them not turning in paperwork to underwriting as well as them not getting the paperwork over to the Title Company in time. I gave my credit card information on XX/XX/XXXX to pay for the appraiser. They call me onXX/XX/XXXX to try to bully me out of closing. Then then told me I had to sign to extend the closing or I would lose all of my money.
I also was given a final closing amount 3 days before closing then I was told 2 hours before closing that I had to bring {$1500.00} more to closing and if I did not I would loose all my money plus not get the house.
This Company has been harassing me. I have email proof that nothing else was needed now that I am in my house but this Company is still calling around asking things about me. XX/XX/XXXX I sent a email asking why is people from their company having people call to verify information when I already have the home and my loan has been sold. They refuse to answer this questions. I even only gave them written consent to verify information until XX/XX/XXXX.
This Company has even been calling my Employer trying to get me fired.
I pray that someone can please help me. I had taken it to Management and that is why I am now filing a compliant. They refused to solve my issue.
I even had to pay for a attorney on the behalf of the Mortgage Company and neither one of them showed up at closing and I still had to pay them or I would not get my house.
I cried the whole time I was at closing and was forced to sign papers and was told if I did not I would not get the house that THE XXXX promised me.
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| 08/23/2023 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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We are writing a letter of complaint against Movement Mortgage , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We were to close on our very first home XX/XX/2023. Three days before closing on XX/XX/2023, we were sent an email stating our closing cost was {$4000.00} more than the original closing cost ( because of an error made by the lender XXXX XXXX ), which you will see below incorporated in this email below including the letter we wrote and sent to everyone who had a part in this process. Also, you will see email correspondences relevant to our complaint.
Attached you will find : CLOSING COST DOCUMENTS, SALES CONTRACT EXTENSION, SALES CONTRACT CANCELLATION, CHANGED CIRCUMSTANCE LETTER.
n Wed, XX/XX/2023, XXXX XXXX XXXX XXXX XXXX wrote : To All, Unfortunately we will decline these services of purchasing this hud home and the XXXX renovation loan. This has been by far the worst experience we have ever encountered in conducting business of any kind. I know not your rules but the GOVERNMENT IS TOO PETTY. We continued to push forward to make our dream come true. Every time we give what you ask for it was never enough and when it was enough, XXXX XXXX DROPPED THE BALL ON PROCESSING DEPOSITS ON OUR CLOSING COST DETAILS FORM. SHE INQUIRED ABOUT THE EARNEST MONEY ON A VERBAL PHONE CALL, I DID EXPLAIN THAT OUR EARNEST FUNDS WERE {$2000.00}. SHE COULD NOT FIGURE OUT WHY {$6000.00} WAS SHOWING UP AND NEVER DID HER DUE DILIGENCE AND INVESTIGATE. THEREFORE, MY " CHANGED CIRCUMSTANCE LETTER '' INCLUDED THE " TOTAL CLOSING COSTS DETAILS '' CALCULATED CASH TO CLOSE TO BE {$6500.00}. Again, every time you ask for something we comply. Closing day was attentive to be XX/XX/2023 and we called in all of our markers from colleagues and now have our closing cost.
THEN WE RECEIVED THIS EMAIL : XX/XX/2023 SEE ATTACHMENT FOR THE REST OF THIS EMAIL IN ITS ENTIRETY.
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| 03/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XXXX XXXX I submitted an application for a Home Mortgage with Movement Mortgage. On XXXX XXXX I was contacted by XXXX XXXX, stating that he received by information and that he was working on my application. On XXXX XXXX I was sent an email from his assistant XXXX XXXX, she requested various sensitive documents from me. In addition, on XX/XX/XXXX, I spoke with XXXX via email regarding my loan, and I advised him when to contact me should he need additional information. XXXX XXXX I received a call from XXXX XXXX, requesting I upload a photo ID. XXXX XXXX I received an email from XXXX requesting documentation, I went to the movement mortgage website uploaded a host of documents, I followed up with XXXX and XXXX XXXX XXXX, XXXX informs me via voicemail that she still needs more documentation ( the same documents I sent her prior ) I emailed her explaining what was sent and what was uploaded on the website. I followed up with XXXX on XX/XX/XXXX, I get a response XXXX XXXX asking for more documentation and for me to send paystubs and another W2 because one wasn't clear. I uploaded all requested documents to the Movement mortgage website, I emailed XXXX on XXXX XXXX for follow up. The only response I got from XXXX was where he copied me in on email to assistant asking if she got written verification forms about my income.This process started over one month ago, unless it was initiated by me, I never received any correspondence updates on the status of my loan. Each time I contacted XXXX or XXXX, they needed more documents. I never received clear communication on status of my application. Therefore I came to the conclusion that Movement mortgage had no intention on ever processing my application approving me for a mortgage. Very sensitive information was sent to this company and they never moved forward with the mortgage approval process.
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| 07/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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We had a closing date coming up in 2 days when the lender told us she needed to get an IRS document that usually takes 40 days. She also however said we could waiver the document if we sent certain documents and so we sent them all and asked if we would still close in 2days and she said yes. The next day she turns around and says she still wants the IRS document. We asked her to let the realtor know that closing would not happen. We also told our realtor the same.
She did not tell the realtor on time and the seller now wanted the earnest money. We told her we would sue her company for the Ernest money and she called the seller and said that they had agreed to a new closing date XX/XX/2022. We asked her again we could close by that date and she said yes. COme XX/XX/XXXX, she sent an email asking for 5 more documents that any lending company asks for in the beginning.
She has asked for a ton of documents and we think she was trying to just not give us the loan and not be sued by us and was trying to overwhelm us with document requests so she would say we failed to supply the document. As such, when she said she would be able to close on XX/XX/XXXX, we told her that if she failed to close, we would sue for the escrow money. We are now pursuing legal action against her and the realtor.
XXXX XXXX has been generally unresponsive to emails or texts. Many times we had to reach out more than 3 times before getting a response. Never once did she tell us in advance that closing was not possible before the closing date. We always had to draw it out of her and her team. Also, we got the appraisal report back from them on the day of closing and she said it was because there was an error. However, we had been pushing for appraisal to be done early and she ignored all the messages until I said I would order the appraisal myself.
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| 09/19/2023 |
Yes |
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- Closing on a mortgage
- Delays with the closing process
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Web |
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I was Force to forfeited my earnest money by the seller due to the improper handling of the FHA loan. I was forced to sign away the money unknowingly, be sued by the seller for taking to long to close The UW from Movement Mortgage took almost 125 days to close the deal and the deal ended up being lost. I lost over {$5000.00} in the process and the house put back on the market behind because they couldn't get it done in a timely manner. I started my first contract on XX/XX/2023 and it ended XX/XX/2023. during this period after 45 days the seller was being paid {$100.00} a day until closing. They were very unprofessional and they wouldn't talk to my agent. There was very poor communicators throughout this whole process. I was put through so much stress behind this situation I wound up losing my job. on XX/XX/2023. UW put me on a yo yo for weeks. Everyone had a responsibility to do their job but I was the only one that suffered a loss of substantial significance. and I need your help to investigate their practices. They switched me from a conventional loan to a FHA after I was already approved with conditions. The Lender convinced me to try a XXXX loan to help with miner repairs, and asked me to hire a GC to do the repairs but gave me every little understanding of how the procedure would work. This turned into a nightmare of epic proportions .Even my agent didn't understand what they were doing and UW refused to talk to him over the phone or by email. i Feel as though I was taken advantage of. Maybe if the process was explained correctly the outcome would have been different. My Agent, Lender, and GC where of Color, they all agreed that this process took entirely to long. and are willing to testify to the inappropriate action of UW of Movement Mortgage.
Please Im seeking Help with this matter.
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| 12/13/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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The mortage is with Movemement Mort. We began a hardship in XX/XX/2018. We recv. a letter in the mail from the US treasury asking if we needed help. We reached to the State NC that helps with assistance. They referred me a local counseling company ( XXXX in XXXX NC ). We sent all paperwork and spike with via conference call. We made several attempts to contact the company just to get a follow-up, see if they needed any more information. ( once we finally get to speak with someone. They said they not could help because my husband find a job once he lost his other job.
2. We started reaching out to the Mitigation department ( servicing Company ) Starting in XXXX We spoke with them and gathered all information and faxed to them. 48 pages Never heard from them. We called them back 3 weeks later, They stated that there were pages missing from the fax. The only got 10 pages not the entire 48 pages. ] b. We faxed once again, They stated there was bank statement that had a 2nd page and that we needed to fax again.
c. My husband at this point is concerned that because of what we look like they were at this point playing games. He proceeds to scan the documents in and email.
d. XX/XX/2018 We both call the Mitigation department because my husband tried several times to make payments but they wont not take money. We spoke with there customer service Representative and first she started the conversation off with, We haven't recv. the information that we requested, but I do see the fax dated XX/XX/2018 and once we started asking about the XXXX fax she started to do a little coughing. It was very interesting conversation. She then stated that she saw the fax and that the young lady that handles mitigation has a not that she only got 3 pages. We have all copies of fax transmissions and emails.
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| 05/07/2015 |
Yes |
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- Application, originator, mortgage broker
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Web |
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I have been working with a mortgage lender ( XXXX XXXX XXXX Movement Mortgage ) for a refinance on my current home due to a pending divorce. I have a home equity loan on my home, and prior to " settling '' this debt with XXXX Mortgage, I confirmed with XXXX that this was the right move. He advised me to first request a XXXX from XXXX in an attempt to have them settle the entire amount ( {$7600.00} ), and if they were not willing to do this, offer a small settlement on the debt. XXXX agreed, I settled the {$7600.00} debt for {$1000.00}, paid it, received a receipt and sent the information to Movement Mortgage to proceed with Mortgage processing. Earlier this week, I received a denial from Movement Mortgage due SOLELY to the fact that they are calling the settlement a short sale. My lender thought ( in error I 've since found out ) that this would be considered more like credit card debt. I counted on my lender for sound advice and followed his advice. Now I will be unable to secure a FHA loan for 3 YEARS while this " bump '' on my credit seasons. I have called other mortgage lenders and found that I simply can not get the FHA Refinance I sought to secure. I am angry and feel this lenders advice has not only kept me from refinancing my home, it has also affected my credit ( which I have worked very hard over the last few years to improve ) It is not my job to understand the mortgage lending rules which is why I counted on my lender. While filing a complaint may not fix the problem, I would like to have the mortgage lender ( at a minimum ) reimburse me for the cost of the appraisal on my home ( {$490.00} ) since I am personally unable to complete the process due to misleading advice given me. I have email backup and will be happy to provide whatever documentation necessary.
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| 10/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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On XXXX XXXX, 2016, my partner and I closed on a new home. We are both first time home buyers. Our mortgage company at closing was Movement Mortgage. Our first payment had not even come due when I received a letter from Movement Mortgage dated XXXX XXXX, 2016, stating that our mortgage was being transferred to another entity, XXXX XXXX. The letter stated that the official transfer date was to be XXXX XXXX, 2016. On XXXX XXXX I registered with the new lender 's payment site, which had all my info and reflected my current due payment for XXXX, and paid our first payment. I thought everything was fine until, on XXXX XXXX, I received a letter dated XXXX XXXX from Movement Mortgage stating that the transfer did not go through for the date expected and implied that our first payment should go to Movement. I called Movement 's customer service line and was told that our first payment should have come to them and the payment we made to XXXX was supposed to be our second payment. The Movement rep said he put in a request to have the payment transferred to Movement. I did not have high confidence in this individual, so I called XXXX and was told that our loan was successfully transferred to them and we actually did pay our first payment. Confused, I called Movement back and got the same rep ( his name is XXXX ). I asked him to confirm who owned our loan, and he just repeated several times that it would take 48 hours to hear back from the other lender. I asked to speak to a supervisor and he refused to transfer me. I hung up, having received very little help, and contacted the loan officer that originated our mortgage, who provided way more assistance, but I am still at this time left with very confusing information.
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| 07/11/2017 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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We are first time buyers. We had many many questions. Every time we asked her to explain something she seemed very irritated over the phone or would respond in a snarky type of attitude. She was very pushy. We 'd ask her to run figures and she would tell us not to worry we can afford it even if we told her no we could n't she would insist we could. Her calculations were constantly changing because she 's forget to change something. She would go ahead and order items such as a condo questionnaire that they charged me for even though we had decided to cancel that sale due to the inspection findings. Her reasoning was because she wanted to get ahead and order it asap because it takes a long time. They charged me without my knowledge. I had signed a document allowing for payments if applicable. I was n't aware the condo questionnaire would still be applicable considering we had cancelled the sale. We communicated regarding the pending charge that did ultimately get processed XX/XX/XXXX, 2017 for {$210.00} and she said she would refund me at the end of escrow. She had put the appraisal on hold since we cancelled. I said I did n't understand why we would still be charged for something we did n't authorize to be ordered, especially since canceling would n't make it " applicable ''. I tried getting information but se seemed affronted. I tried asking her about it via email and she ignored my email. We are now with another lending agency and our agency required information from them of which they refuse to provide because they said it belongs to the property. Since we are no longer clients of theirs they refuse to assist us in anyway even if they have failed to complete a job on their end.
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| 12/03/2023 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
- Delays in the application process
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Web |
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To Whom It May Concern, I am writing to file a formal complaint against Movement Mortgage concerning the handling of my FHA loan assumption process. My name is XXXX XXXX, and I hold a mortgage loan ( Loan Number : XXXX ) for the property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
Background : I had been in contact with customer service representatives at Movement Mortgage and received both verbal and written confirmations that a qualified investor could assume my FHA loan. Based on this information, I proceeded to secure a buyer who is an investor for my property.
Issue at Hand : Contrary to the assurances provided by Movement Mortgage, the company has now informed the buyer that due to his status as an investor, he can not assume the loan. This contradiction is not only perplexing but also detrimental to my interests, as I acted based on the initial information provided by Movement Mortgage.
Furthermore, the FHA website clearly states that FHA loans are assumable by investors, which directly contradicts the information now being provided by Movement Mortgage.
Demand for Action : I urge the CFPB to investigate this matter and ensure that Movement Mortgage honors its initial commitment, allowing the loan assumption by the investor buyer without further delay.
I have suffered significant distress and potential financial harm due to this miscommunication and inconsistency on the part of Movement Mortgage. I seek a swift resolution to this matter and hope that this complaint will prompt the necessary corrective action.
Thank you for your attention to this matter. I am willing to provide any additional information or documentation as required.
Sincerely, XXXX XXXX
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| 12/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I had a settlement on XX/XX/XXXX closing by XXXX XXXX XXXX a title company for a mortgage obtained by qualifying me as the borrower the mortgage company was Movement Mortgage. My complaint is that the loan officer XXXX XXXX XXXX XXXX and assistant loan officer XXXX XXXX XXXX XXXX refused to allow me to decline the escrow impound and the advanced corporate cushion despite my meet qualifications 40 % down payment and my good credit with no 60 days late after numerous requests. The most recent request made to return my escrow impound and the two advanced corporate cushion was made on XX/XX/XXXX with the same answer given which was this isn't something we can help you with. I have notified the underwriter and have not gotten any response and I have sent an email to corporate as well. The option to escrow or to decline was marked x to escrow by the loan officer not by my mark or hand. I was not given the option to escrow or decline because no option was offered. Acting discriminately the loan officer made that decision despite my wishes to decline escrow which I have done many times in the past having qualified with a 40 % down payment and good credit there was no reason not to offer me the two options which were never offered nor discussed so I plea to ask for my escrow taken against my wishes and wish to open a complaint of discrimination acting outside the requirements of Banking regulations both loan officers XXXX and XXXX. I kindly ask that my escrow be returned to me in the amount of {$10000.00} and a cushion amount {$3000.00} as stated on page 4 of 5 in the Loan disclosure document that I will provide as well as the emails sent with the request denied yet again. Thank you.
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| 12/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XX/XX/XXXX I refinanced a beach cottage that I have owned for 15+ years with Movement Mortgage. When I did so I was surprised they required me to increase my flood insurance ( even though the insurance had been fine for the prior 15 years, even when the mortgage was larger ). The terms were so good with Movement I increased the insurance as they required. I submitted all documents to the processor - XXXX XXXX - he processed them. Closing went reasonably well and the loan was issued ( # XXXX ). Then the issues started : 1 ) A month later ( XX/XX/XXXX ) I received a letter dated XX/XX/XXXX stating that I had inadequate flood insurance. They had the original amount not the new increased amount. I forwarded that to XXXX on XX/XX/XXXX and he apologized for the error, said it would be fixed. 2 ) On Saturday XX/XX/XXXX I got a second letter dated XX/XX/XXXX again stating I had inadequate flood insurance. On Monday XX/XX/XXXX I sent this to XXXX again and he again apologized, assured me all would be corrected. 3 ) On Sunday XX/XX/XXXX I got in from a weekend trip to find a letter dated XX/XX/XXXX stating Movement had force placed flood insurance on my home. On Monday XX/XX/XXXX I again send the letter to XXXX with the expectation by XXXX Wednesday XX/XX/XXXX it would be corrected, I would have documentation it was corrected, and any premiums / interest / etc would would be refunded in full or I would escalate. Again he apologized and provided that requested information by Wednesday XX/XX/XXXX XXXX. 4 ) On Tuesday XX/XX/XXXX I received yet another letter dated XX/XX/XXXX stating my home was underinsured for flood insurance and they may force place it on my home.
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| 09/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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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.
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| 10/23/2017 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XXXX XXXX I applied for a home mortgage. I contacted Movement MortagXXXX online and submitted all documents needed with XXXX XXXX. I received a Commitment Letter saying I was pre approved for a $ XXXX loan with FHA XXXX XXXX down. I was excited and went looking for a house. XXXX said he wanted to submit it to the board to make sure it was all going to be good. He came back asked for a few more things, was all good. I put a offer in on a house, put money down, was very excited. Then he called said He could n't use my child support, which was a large part of my income. This was not hidden, So then he said if you pay off your XXXX XXXX loan, I can still get you to budget. I was like how can I come up with another XXXX XXXX... My boyfriend went out got money to pay it off, was a stressful few days to figure that out. I was at bank depositing money get a call from XXXX XXXX, sorry your loan is no longer approved even if you paid the loan off. I paid off all credit cards, only thing left was my car payment. I was so upset and embarrassed. My heart was already with this house. I put money down and paid for a appraisal. I did fight to get those back, but never wanted to be in that spot, that 's why I got a pre-approval letter. I have been so upset and stressed over this, and do n't think this should be right! I told everything up front. I am a single mom and just wanted better for us. The sad thing is I pay more in rent than my payment would of been! I have been my job for almost XXXX and lived in same place XXXX. Just sad a mortgage can do this! So I do n't recommend MOVEMENT MORTGAGE. IF any documents are needed I can provide, I KEEP EVERYTHING.
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| 10/13/2023 |
Yes |
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- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
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Web |
Servicemember |
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This company starts the process over every 30 days if they believe you do not have all required documentation to them, even when you are actively working on providing them documentation or if youve already provided it to them and they may have missed placed it and you have to provide it again then they will restart your application. Today I called the bank to check on the status of the application because they reviewed documents on XXXX that I submitted on XXXX XXXX The response I I received from the first representative was that they sent me an updated letter in my email and mail requesting more documentation. However, I did not receive an email or anything in the mail. And the representative said if I didnt provide everything by the XXXX they were closing out my case again. The next representative I spoke to said they never sent me a letter and they needed everything by the XXXX or they were closing out my case again. So if I havent been harassing them they wouldve closed out my case again because they never notified me that they review the documents and told me what they needed. Its completely unprofessional to behave in this manner. Further, they are asking for documentation that does not exist. My spouse is XXXX XXXX in the military, and they are asking for documentation from the military that does not exist. Also, they are asking for dates on a fraud wire agreement to be added that make absolutely no sense at all. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they want me to have everyone date this agreement when its already dated with their electronic signatures.
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| 02/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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Approximately in Mid XX/XX/XXXX, I requested from my mortgage company, Movement Mortgage, XXXXXXXX XXXX XXXX XXXX XXXX # : XXXX, a review of the PMI after completing extensive renovations on my condo I purchased in XX/XX/XXXX. The renovations were extensive and a complete gut out. At the time of original purchase, the estimate for this condo returned $ XXXX approximately in XX/XX/XXXX. We only put 10 % down knowing a full renovation was going to be done, we were ok with the PMI insurance. Fast forward to now XXXX XXXX, XXXX, a Broker Price Opinion ( BPO ) was requested by Movement to reasses the condo ( ocean front/water front in the prestigious community of XXXX XXXX XXXX ). The estimator was egreciously wrong in the estimate and used properties to compare that did not meet the standard. The new BPO came in at $ XXXX, essentially indicating that over XXXX in renovations only garnered an increase of {$4000.00} and on top of the raising costs of home evaluations in 6 months. I emailed Movement Mortgage ( in response to their email - indicating that they could not remove the PMI because the evaluation came in at 84.8 % LTV and an 80 % LTV is needed to remove PMI ). Comps performed by my realtor came in as I can sell the property today at {$530000.00}. I believe the estimator/evaluator is wrong and Movement mortgage is continuing to perpetuate the PMI with these estimates that are not accurately fraudently collecting PMI when its not necessary. I've asked for another estimator to review and I appealed the original BPO. I have not heard back from Movement Mortgage since XX/XX/XXXX.
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| 11/24/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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My mortgage company movement mortgage is refusing to release the insurance check for a claim for damage done to my house. At the time the check was sent to the mortgage company from our insurance company XXXX the insurance adjustersummit adjuster/company because was behind in the mortgage at the time. However the mortgage company claimed that as long as the mortgage was paid up to current the funds would be released. The mortgage has been paid up to current and they only released {$3700.00} which is 25 % of the total and the public adjuster took their portion which was {$3000.00}. So there is currently approximately {$9000.00} still owed. My house has been in shambles for XXXX months now, I have XXXX children including a XXXX XXXX XXXX that cant play or go anywhere in our house because of electric wires and etc, mold that we tried to kill but its on the exposed walls and we cant replace because we do not have enough money to do so. They asked for a letter requesting the remaining funds be sent to me through the adjuster and we did as so. So now we did that and the mortgage is paid up to date, they wont release the funds because at the time of the claim the mortgage was behind and we made sure to get it fully paid up to date immediately and did so. This is not right and they continue to tells us to pay for it ourselves then theyll release the money. Please help us this is not right or humane. Weve done everything asked for and our house is destroyed. The holidays are coming up and our children dont have a clean or safe house to do anything in because of this mortgage company.
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| 05/21/2020 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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On XX/XX/2020, a major hail storm severely damaged our home. An insurance claim was filed that night. The Adjuster came to inspect the home on XX/XX/XXXX. He sent us the report on XX/XX/XXXX. We received the check that weekend.
The following week, we contacted Movement Mortgage, asking them to endorse the check, as their name was also on it. They refused to endorse it. They verbally told us the insurance company could write a new check just to the homeowners, but they would not put this in writing, so the insurance company could not do anything.
One of Movement Mortgages managers called us and instead of speaking to us professionally, was incredibly rude and spoke down to us. He ended up hanging up the phone on us.
The next Monday, we called Movement Mortgages Regional Director, but instead of calling us back himself, he had another Manager call us. He still refused to sign the check and claimed he couldnt because it was over $ XXXX. He couldnt give a reason other than its policy.
He kept pushing it off on to XXXX, who was set to take over the servicing of the loan. While he did pay for the check to be overnighted to XXXX, we are no closer to having our house repaired.
Our house has been sitting with holes in it for 2.5 weeks, and XXXX is now saying it will be a total of 3.5 weeks before they even know if their Processing Department has the check ( that we overnighted ). XXXX refuses to expedite the process.
Meanwhile, our house continues to sit without repairs being done even though our contractor is ready.
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| 03/19/2022 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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On XX/XX/2022, I submitted and was pre-approved for a loan with Movement Mortgage , LLC XXXX ID # XXXX I have not received a federal form Loan Estimate.
On XX/XX/2022, the following email series was recorded : Applicant : Is my application submitted? I haven't seen an official Loan Estimate on the federal form yet and more than 3 days have passed since I submitted documents.
Am I missing something?
https : //www.consumerfinance.gov/ask-cfpb/what-is-a-loan-estimate-en-1995/ # : ~ : text=A % 20Loan % 20Estimate % 20is % 20a, that % 20took % 20effect % 20on % 20Oct.
Loan Officer :
No sir - I dont submit your application until youve confirmed youre going with us. Its extra work for my disclosure team and processing team.
Applicant : You received my application but neither denied the application nor provided me a loan estimate?
I won't confirm I'm going with ANY lender without the loan estimate. I thought that's what the loan estimate was for.
Loan Officer : Thats what I have provided. Let me know if you have any questions. If youd like move forward with Movement let me know and I will send over a lock in agreement and formal disclosures.
Applicant : I will not move forward without the federal form loan estimate.
End of email series What was actually provided was an lender internal document titled " APPROXIMATE LOAN COST ILLUSTRATION '' that did not comply with the form described at https : //www.consumerfinance.gov/ask-cfpb/what-is-a-loan-estimate-en-1995/ See attachments ( personal information redacted )
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| 02/25/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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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.
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| 08/19/2023 |
Yes |
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- Trouble during payment process
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Web |
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I purchased my home in XXXX of XXXX. Since that time, I have had a very unpleasant experience with Movement Mortgage. When I closed on my home, I agreed to a monthly payment of {$1500.00}. Over the course of the last 18 months, my payment has increased twice. The first time was in XXXX of XXXX. The payment increased to {$1600.00}. It was explained to me that the payment increased due to a negative balance in my escrow account. I recently became aware my payment will increase again in XXXX is XXXX to {$1900.00}. The email I received also stated due to a negative balance in my escrow account. I think it is highly unfair that movement mortgage is able to increase my monthly mortgage payment to over {$400.00} than what I originally agreed to when purchasing my home. I am now in a position where I am unable to pay my monthly mortgage payment. I have called Movement Mortgage several times to discuss what options I have to continue to keep my mortgage payments current. The only solution that representatives have are for me to refinance my home to extend the payment in hopes of dropping me down. I was fortunate to receive an interest rate in XX/XX/XXXX which allowed me to purchase my home. Im afraid if I refinance the mortgage I n hopes of a lower payment, my interest rate will interest which would make it even more difficult to pay my monthly mortgage payment than currently. Movement mortgage claims to give clients a 45 day notice prior to increasing the monthly mortgage payment, but I was giving a 21 day notice.
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| 12/18/2017 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
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OnXX/XX/XXXX I initiated a conversation with loan officer XXXX XXXX of Movement Mortgage regarding obtaining a mortgage. On XXXX XXXX, XXXX I submitted an online application for a mortgage as requested by XXXX XXXX.
Although I provided Movement Mortgage with all requested documents and information in a timely manner, I did not receive a decision for 43 days. I was informed via a voice mail on XX/XX/XXXX that my application was denied. XXXX XXXX said she would email me with additional information. She did not email or mail any additional information.
To date, nearly six months later, I have not received any information regarding why Movement Mortgage declined my application.
Movement Mortgage violated my right to Find out whether my loan was approved within 30 days of submitting my completed application. Also, since my application was rejected, Movement Mortgage was required to provide that information to me in writing, not by voice mail.
Be given specific reasons why my application was rejected. Movement Mortgage was required to give me the specific reason for the rejection or tell me that I had the right to learn the reason if I asked within 60 days.
Movement Mortgage may have rejected by application because of information in my credit report. If so, Movement Mortgage was required to tell me that, and give me the name, address, and phone number of the consumer reporting company that provided the information.
I believe I was unfairly refused this loan because I am a divorced woman.
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| 08/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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I have been attempting to get my mortgage company movement mortgage to recalculate my escrow using my accurate taxes. I have now three times provided them with documentation from the city/county stating my tax amounts. Currently they are forcing me to pay an extra {$400.00} on my escrow/mortgage bill because they have my taxes wrong. Initially their company asked me to email the proof of tax change to an email address and just wait. I did this and fortunately called to hear that this email address was the wrong location ( 2 weeks later ). I was then asked to submit the documentation through another website. The are refusing to provide any proof of submission. My taxes were approved for my lower rate according to the county as of mid XXXX. This company states that they do not see my taxes being at this rate. I have provided plenty of documentation and called the county who have verified several times that these are my taxes. Meanwhile this company is still requiring me to pay the additional amount monthly for these non existent taxes and will not provide a timeframe as to when they plan to fix this issue. This company needs to fix whatever the miscommunication is as to where to send tax documentation, fix my escrow payment and provide me with a full refund for the > {$1200.00} they currently owe me that I have overpaid on my escrow at this point BEFORE the end of this month and they require me to pay the additional amount again ( leaving me with an overbalance of {$1600.00} )
|
| 07/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
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I sold a property and have a signed contract on another property in accordance with XXXX Tax free exchange guidelines. A credit report was authorized on XXXX/XXXX/2016 as part of my pre-approval process. I applied for an investment loan on XXXX XXXX, 2016. I provided all requested documentation for the loan application. The loan package went to underwriting on XXXX/XXXX/2016. The loan was approved on XXXX/XXXX/2016 and is attached as documentation. Appraisals, pest inspections, home inspections, insurance, attorney work, title work, etc. are all in process or completed. Closing was set for XXXX/XXXX/2016. The underwriter requested additional existing loan documentation which I provided on XXXX/XXXX/2016. The next day which was the day before the closing was scheduled I was told that the loan may be denied because I have more than XXXX loans and do not fit into the guidelines. I did however receive a loan estimate on XXXX/XXXX/2016, so, I thought the issue was resolved. On XXXX/XXXX/2016 they said they will deny the loan and for me to look for an alternate loan provider. Their XXXX hour denial has placed me in a position of losing : the house purchase, my escrow money, my prepaid purchase expenses, my time and effort, AND the substantial XXXX tax consequences since I can not identify or purchase additional property within the strict XXXX Tax free exchange guidelines. I have provided full disclosure on my position and they have mishandled this loan application.
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| 10/16/2019 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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The first loan was started with Movement Mortgage in XXXX, XXXX in XXXX of XXXX we were told that we made enough money to afford the mortgage and that we qualified for a FHA loan. We work for a XXXX XXXX and are allowed to live else were than in the city of the XXXX base. We were ask to provide written documents that we receive free XXXX benefits, and letters from HR and immediate supervisors that they were aware of this purchase. And had to write a statement as to where we would sleep if we were not in the house and how much time we would spend in the house we had to provide a work schedule, and we had to write a statement as to why we wanted to move from XXXX to XXXX which is the city that I grew up in and my family is still living in as well as my XXXX year old mother with XXXX. and the loan officer asked if we could help get his adult son a position with the XXXX. We were denied the loan with Movement after 4 months. the representative for the seller took our loan to XXXXXXXX XXXX were we were asked for the same documents and after 2 months we were denied by XXXX XXXX underwriter that they did not think this was going to be a good loan.The real estate officer took our loan to another lender in XXXX that closed our deal XX/XX/2019. Using the same documents. we have been in our home since XX/XX/2019 and are still working our same jobs and making house payments on time for past 2 months and our home is completely furnished and lived in.
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| 02/22/2017 |
Yes |
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- Application, originator, mortgage broker
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Web |
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Back in XX/XX/XXXX I was connected with Movement Mortg and the Loan officer XXXX XXXX which i dealt with took my loan processing all the way til 2 weeks before closing which at that point i had paid {$270.00} for pre-purchase inspection and also paid {$500.00} for home appraisal and then he stopped everything cause previously I had claim bankruptcy including a property that i had and because of a date that XXXX XXXX XXXX removed our names off after i was discharged from the bankruptcy, the reason for bankruptcy was my husband had XXXX and could n't work for over a year, at that point XXXX stated that i can pickup the process and no problem should happen come XX/XX/XXXX, so at the beginning of the year I was introduced to XXXX XXXX, with her it seems that i was given the round around, she had stated that to increase my credit score to qualify, i would need to pay off my credit cards which i did and it cost me another {$430.00} and for what? nothing, she just told me that my debt ratio equals my income?? I was promised and given the run around twice. The only way that I can get approved now is if i have a co-signer as per XXXX, ater this she emailed me that she gave my file to someone else, which is un-professional even when i told her to keep my file open to see if I can get a co-signer. I feel that i was taken advantage of and lied, if I did n't qualify, i should of been taken as far as I was taken, this has cost me XXXX and money!
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| 08/30/2023 |
Yes |
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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I purchased my home mid year XXXX. Due to a company error, they did not update my taxes or insurance amounts to accurately recalculate my monthly payments since XXXX. They have since stated that once an audit was completed in XX/XX/XXXX, my monthly payments would increase to retroactively pay back the increased taxes and homeowners insurance since XXXX. They have not informed me of any increases until XX/XX/XXXX which would have taken effect XX/XX/XXXX. Due to their known error and lack of the 45 day acknowledgement period, they had to rescind the XX/XX/XXXX bill and revert it back to the normal monthly amount. Because I have not been notified of any increases and they did not do their due diligence of informing me of any payment increases or increasing my payments, they are now stating that my escrow account is over $ XXXX short. This is absurd! My statements have been the same amount and have been paid accordingly. No recalculations were completed nor was I notified accurately or in a timely manner and now I owe this obscene amount due to a company error?? For over 1.5 years?? Absolutely not. This is not ok! I am fine with paying the increase as of the date that I am informed going forward but I will not backpay for things that were not updated accurately nor was I notified for fairly. This is not good business at all! Movement Mortgage will never get my business again and I will be sure to spread the word very swiftly!
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| 10/17/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
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Our mortgage is currently in forbearance according to the CARES Act. On the very day our forbearance started on XX/XX/XXXX, our mortgage company ( Movement mortgage ) transferred it to a new sub-servicing company that is in charge of processing payments. They also changed our loan number. It appears as if they are playing musical chairs with loans and knowingly causing more stress and confusion to their customers during this difficult time. In dealing with this new company ( XXXX XXXX ) we have been giving a myriad of a
nswers and explanations stating that we are under forbearance, then loss mitigation, and now its in their collections department. Our loan was never in default and the status was current prior to asking for forbearance. We dont understand why its in their collections department. Contrary to the Cares Act, we have been told that we must report to
them every 3 months with a 15 day approval process to continue forbearance. Isnt this a violation of the enacted law? They have also sent us documentation that we have not signed that appears to
shorten the forbearance period. Isnt the length of forbearance 180 days according to the Cares Act with one allowed extension for another 180 days? Their representatives swing from being semi-helpful to aggressive and rude. They also appear to provide misleading information that they may be using to dissuade customers from remaining in forbearance when its truly needed.
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| 06/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, we got a mortgage for {$530000.00} on a fixer upper house, and now that work is done the house is appraised at {$730000.00}, according to a XX/XX/XXXX appraisal that was ordered by Movement mortgage, paid for by a {$420.00} check that I wrote to Movement ( appraisal cover page attached ). Our current principle balance on this house as of XX/XX/XXXX is {$530000.00}. In a letter dated XX/XX/XXXX, sent to me by movement mortgage, I was told that I could apply for a two year seasoning waiver if substantial work was done on my property, which it was. This letter can be seen in the attached document. Despite me jumping through all the hoops to get this PMI removed, Movement still wants to charge me the $ XXXX/month for PMI. This can be seen in the attached letter dated XX/XX/XXXX. I have made multiple attempts to get it removed Movement still wants to scam me out of nearly {$150.00} A month for mortgage insurance I don't need. It is even more insulting that in addition to the $ XXXX/month that I am paying, I also had to pay {$420.00} for an appraisal that up to this point has been completely useless. My LTV is 73 % so there is no reason I should have this extra expense besides the incompetency of Movement. Every day this goes on is {$5.00} out of my pocket, which is why it has been so frustrating that Movement refuses to do the right, correct, thing with this.
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| 02/06/2021 |
Yes |
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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My loan has been under a XXXX forbearance since XX/XX/XXXX. The first forbearance period was from XX/XX/XXXX to XX/XX/XXXX. The second forbearance was from XX/XX/XXXX to XX/XX/XXXX. I called Movement Mortgage in late XXXX to get information to resume payments at the end of the forbearance. I requested a FHA partial claim which would put the past due balance as a junior lien on the property. Movement mortgage told me that they would have to process this and that I could not make payments until it was processed and paperwork was sent to my home.
After a month, I called them to figure out what was going on. I still hadn't heard from them. I was told that the partial claim was approved and that I could start repayment in XX/XX/XXXX. I was told that a promissory note would be sent to my house for me to sign, and that I could not make any payments until XXXX. I did not receive paperwork from Movement Mortgage until late XXXX. I got the documents signed and notarized.
Despite this, in XXXX, Movement Mortgage reported to the credit bureaus that I was 4 payments past due. I disputed this information with all three credit bureaus. Movement Mortgage then updated my credit report to say that I was 30 days past due. This is incorrect. My account was current and not past due at the start of the forbearance period in XX/XX/XXXX, and is not past due now.
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| 10/04/2021 |
Yes |
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Web |
Servicemember |
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During the last 36 hours upon the day I was supposed to close on my house, in XXXX of this year, I was bombarded with several documents, that changed at least 4 times before the last 24 hrs before I was set to close, the last documents came 8 hrs before closing, with a debt to income of over 60 % with my lender inflating my income, stating I made more than I actually did, then when I said I didnt aprove of some fees that were added, and a Monthly payment I couldnt afford, I refused to sign, I said I could not afford anything over 2000 a month with my income at {$4100.00} a month, when I saw my final payment I was assured that once I got my property tax circut breakers and property tax exempt paperwork filed and sent to movement mortgage my escrow account would be adjusted and my monthly payment lowered to accomidate my situation or I wouldnt sign the documents.. I was lied to ..my payment is {$2100.00} and hasnt changed.
I have provided those documents and 6 months later ive been given the run around and put off while this mortgage broker got away with unnessasary fees that kicked back to her through my agent, and put me in an unsustainable payment situation, putting me off with empty promises, while they sell off my mortgage, and instead of adjusting my payment as promised I wait and hopefully wont loose my home because of this.
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| 04/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Below is the sequence of events that caused the late payment on my account.
My credit reports indicate Movement is missing a payment for XXXX : I have attached the front and back of the check payment that cleared my account on XX/XX/XXXX.
The payment they lost has adversely impacted my credit and caused my credit score to drop by over a XXXX points.
It is clear from reading Movements online reviews that I am not the only client who has been victimized by sloppy processing.
XX/XX/XXXX Met with title attorney to close on loan XX/XX/XXXX - Contacted my realtor because I had not received payment coupons from Movement XX/XX/XXXX - Movement reached out to tell me they forgot to have me sign closing paperwork, which triggers the payment process. The closing documents had a XXXX expiration date.
Third week in XXXX Because of Movement 's XXXX email and my concerns about Movement 's business practices throughout the loan process, I met with an attorney to ensure all the loan documents were in order.
XX/XX/XXXX Mailed initial payment of {$2100.00} and signed contract, via XXXX, as per the attached documentation. Note : The documents were mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, per the mailing address in my Promissory Note.
XX/XX/XXXX - Made XXXX payment on time, as per the attached canceled check from my bank
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| 05/01/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XXXX XXXX , XXXX I applied for a conventional mortgage to purchase a XXXX home with Movement Mortgage branch located in Michigan. The loan officer has been great through the whole process, the underwriting staff - Not so much. The underwriter does not follow XXXX guidelines or DU findings which my credit meets all FNMA guidelines. They are making up guidelines of their own ( this is n ot underwriter discretion ). I have a property foreclosure which was included in a bankruptcy in XXXX , discharged XXXX XXXX . XXXX requires 4 years of which I am alm ost at 6. I contacted XXXX directly as I am also an underwriter and have been for over 20 years. Their underwriter is trying to say since the initial lender did not take the property out of my name that I must be hit again with a tax lien foreclosure. I surrendered the property and included the mortgage, XXXX states that is all I could do and that as long as the 4 years have passed for the discharge, I was not responsible. I have been going back and forth with this company f or 3 weeks now and they even ordered my appraisal and now are taking back the approval due to the tax lien foreclosure, which should not be be an issue and does not even show on my credit as they can not show it as the lender was responsible.
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| 12/16/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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I contacted my mortgage company on XXXX to ask what my options were regarding modifying my mortgage. I spoke with XXXX in loss XXXX and she suggested that I apply for a Covid Forbearance since I had lost my previous job and then apply for a mod. It was my understanding at the expiration of our call that the Forbearance had been applied for. I called back on XXXX to obtain an update and was told that the Forbearance was never entered into the system. At that time XXXX stated that she would enter the Forbearance and I requested a call from a supervisor to file a formal complaint and to get an understanding as to when I would hear back about the request. I never heard back. I called back on XX/XX/XXXX and was told that it was still under review and that a manager would call me back from loss mit. I never heard back. I called again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX only to be given the run around once again. I can not get anyone from loss mitigation to call me or to answer any definitive questions regarding the request for a forbearance. It ridiculous to have to call back so many times and not I feel like they are just giving me the run around. I then requested the number or email for the regional bp or district manager and was told they could not provide that information..
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| 07/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hello, I have right of survivorship with my x-husband, XXXX XXXX, XXXX on a property located at XXXX XXXX XXXX, XXXX, VA XXXX for which he has a mortgage loan # XXXX through XXXXMovement Mortgage that is only in his name.
On XX/XX/XXXX of this year, XXXX passed away and then the estate attorney discontinued payment of the mortgage, indicating my right of survivorship made me responsible ; however, I had NO information at that time about the loan.
I eventually was able to get family members to provide some info and I began contacting XXXX and Movement via phone and email.
The customer service people had me send proof of XXXX ' passing so that I could begin the process to become Successor in Interst, so that I could bring the late payments to current and continue paying the loan.
After I sent the obituary and answered all questions- Movement mortgage still will not communicate with me or allow me to pay the loan up.
I fear the loan will go into foreclosure while I'm trying to get them to allow me to make payments. Is there anything that can be done?
I use XXXX and I am not able to figure out how to " save '' my emails so I can attach them for your reference, but the email is XXXX and the last person I spoke to yesterday was XXXX @ XXXX XXXX XXXX.
XXXX XXXX XXXX
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| 11/26/2023 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
- Changes in loan terms during the application process
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Web |
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I applied for an FHA mortgage, I was pre-approved, put an offer in. The process was delayed due to him dealing with a drug overdose, and then he switched my loan from FHA to conventional without my knowledge, I never signed anything that said conventional. This caused a denial which caused me to lose the home that I was set to purchase, I lost money on the earnest money deposit, inspection, the rush appraisal. Had to order a rush appraisal because he failed to order the appraisal within 72 hours as the contract stated he was required to. He failed to communicate after numerous attempts, verbally told me I was approved and everything was fine, within XXXX minutes of hanging up the phone he sent me a denial, after I paid for the rush appraisal based on his conversation telling me that I was approved and we needed the appraisal.
I have since spoken to another lender who has gotten her underwriters to check everything and I should be fine to purchase a home for the same price under FHA instead of conventional which is what my original loan terms were with this lender. I don't know why he changed my loan to conventional, especially without my permission. And then he tried to tell me that it had been conventional from the beginning but I have documents showing it was FHA.
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| 06/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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The entire experience with Movement Mortgage has been stressful and exhausting.
To start, we were ready to close in XX/XX/2022, but for some reason proper paperwork was not sent for the 2nd lien. This forced us into a later closing date and left my family, including my XXXX XXXX XXXX son and XXXX XXXX XXXX daughter, homeless for 3 days. Not only that, but forced us into a double move where we moved all of our belongings into storage and 3 days later into our new home.
I had a planned week off from work to assist with the move but due to the ball being dropped on the paperwork, I could not be available to help my family move into our new home once the closing process was completed.
At the closing table I was told the seller would be paying for taxes and not to worry about bills in the mail. Once bills with late fees attached started coming I then contacted movement because the taxes should have been paid. Movement then told me they do not have the money for taxes and it was my responsibility. I paid the first bill out of pocket ( with late fee ) and intended on paying the XXXX ( also with late fee ), but Movement beat me to it and converted my account to escrow.
Now we find out Movement had the funds the entire time for 6 months! How does this go unnoticed?!
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| 09/26/2020 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I recently applied for a home loan through Movement Mortgage after moving to North Carolina in XXXX. My loan officers were XXXX and XXXX XXXX. I was prequalified at first when I began looking for houses. I was told after 30 days of employment I would have a pre approval letter. I am a XXXX XXXX XXXX XXXX, which means I'm paid as commission. This was known from the very beginning of the process. I went through the whole process of getting all the info needed, which was difficult due to the loan officers ability to communicate exactly what they needed. I found a house I wanted and put in offer and was accepted. After paying for a home inspection ( {$270.00} ), termite inspection ( {$100.00} ), earnest money ( {$500.00} ), and home appraisal ( {$570.00} ), which totaled {$1400.00}, I was told that my loan would not be approved because I need to show 6 months of income at new job, even though I have been continuously employed for years. So I lost the house after putting out the above mentioned {$1400.00}. XXXX tried to put my income through as standard and not commission based which was caught in underwriting. The information of needing 6 months employment as part of the approval process would have been nice to know before I spent the {$1400.00}.
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| 04/20/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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Our property is in the footprint of the XXXX XXXX and suffered some infrastructure damage. Our insurance company has been issuing claim payment to us and our lender so we need to send the payments to our lender to sign and forward to us. The last 2 checks of {$150000.00} and {$44000.00} have been held by the lender since XX/XX/XXXX. I have been requesting release of our funds. {$130000.00} of these funds is allocated to personal property and cabins/sheds built with cash after the mortgage was taken out and they will not even release those funds. I have requested an inspection to show the rehabing we have been doing on XX/XX/XXXX and still have not heard anything back from them. The lender said if we got an AS IS appraisal they would use that to justify releasing our funds. We completed that and they received it on XX/XX/XXXX. Our loan is for {$360000.00} abd the property appraised for {$850000.00} even in the current state of disrepair. They still have not released my funds and state someone in compliance has to make an approval. They have said this since XX/XX/XXXX. My sister is a lender and recommended I ask for your assistance. We will be receiving additional claims funds from our insurance company and expect this to keep happening.
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| 08/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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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.
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| 03/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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The name of the mortgage company is Movement Mortgage located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX. The loan officers are a married couple by the name of XXXX and XXXX XXXX. XXXX # XXXX and XXXX # XXXX. I have a XXXX credit score and gave in all of the documents they asked. After 2 weeks of deliberation and as soon as they knew I was an XXXX XXXX, they asked me for a co-signer. I asked why exactly? They said my income had dropped from XXXX to XXXX and the underwriter will ask for a co-signer. I replied of course it did. Due to Coronavirus year, many peoples income dropped from shorter hours or from their businesses suffering loss.
I said that was not enough reason to ask for a co-signer. I still have more than enough income to pay for a mortgage. I asked for a 2nd opinion from other lenders & I was told that was not true. There is no reason for them not to give me a pre-qualification. It seems that they do not want to give you a pre-qualification because you are XXXX. I ended up getting a pre-qualification from another lender after just 3 dsys. I am reporting these loan officers and this company to CFPB because this is discrimination/racism.
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| 04/09/2021 |
Yes |
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Web |
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Id like to report the following company and individuals by that company for fraud and the above UDAAP issue.
XXXX XXXX XXXX XXXX XXXX of company movement mortgage My witnesses to the fraud and lending issues are my family.
Movement mortgage is dishonest and practicing classism and racism for potential XXXX home owners.
Preferential treatment and interest rates and advisement are given to More affluent Customers where as less fortunate Customers are given incorrect, improper inappropriate advice with high costs to Poorer customers over the course of time.
Movement mortgage should not be allowed to lend in the states of VA NOR NC AND any other states they are permitted to do so.
I have been advised by XXXX XXXX various numbers that do not add up or when asked been given different numbers on the same day for the same loan type and home or address.
I am now subject to being homeless after the dishonest sales tactics conducted by movement mortgage.
I was also refused by movement Mortgage to have numbers forwarded over the course of the past few months when I requested a breakdown of the numbers and how funds would be allocated.
XXXX XXXX XXXX
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| 10/17/2023 |
Yes |
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- Closing on a mortgage
- Trying to communicate with the company to fix an issue with the loan closing
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Web |
Servicemember |
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My lender lied through my application and beyond closing. He now I see lied and said he did my application gave to face when I never met him till closing day. Then he lies and tells me Im getting in on a great opportunity because HUD has a new no money down no closing cost and Id be the first person to get in on it. He said the second mortgage would be forgiven by hud and only XXXX then forgiven. I told him XXXX was too much for me to afford and then comes back and tells me its down to XXXX. I was told I would receive a loan payment at closing which I didnt. The lender lied and said I told him I was XXXX when I was face to face with him and I never told him this. I go after closing get the first statement and its XXXX I go to XXXX and ask him what this was and he says I forgot to tell you before closing I couldnt get you down. I also told them my name was wrong and I was told it didnt matter. So I also asked for the XXXX And was told I cant have any of that or ledgers for my transaction. I was told that I would be foreclosed on because I was inquiring. I was not given full disclosure and mortgage fraud was committed by the lender from start to finish.
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| 02/18/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I was informed by my mortgage lender, Movement Mortgage in XX/XX/XXXX that my loan was in forbearance and that my spouse, XXXX XXXX, was considered a successor in interest on my mortgage. I had received no paperwork regarding these loan modifications, nor did i agree/apply to them. I am the sole person on the mortgage and the deed and title are both only in my name. I was notified that XXXX XXXX, has been listed as the primary contact on the account with phone number as his for primary contact of XXXX and email XXXX On XXXX I was told to call back to get any update on the investigation into the forbearance and successor items in question.
I called back on XX/XX/XXXX to cancel the forbearance as I did not know the terms nor had I applied. I was then told to call back the following week to get more updates..
I called back XX/XX/XXXX and was told they would process my request for documents/supporting application materials for these request and could take up to XXXX weeks.
I talked with the XXXX XXXX XXXX XXXX, HUD # HUD XXXX, and talked with their office on XX/XX/XXXX about forbearance and contacting Movement regarding these discrepancies.
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| 08/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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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.
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| 05/12/2021 |
Yes |
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Web |
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I was approved through this brokerage for an FHA loan ; for XXXX XXXX XXXX . XXXX XXXX XXXX NC, XXXX Due Diligence was paid, mortgage appraisal was paid, inspection paid, my fianc and I moved from opposite ends of the XXXX XXXX, in multiple Uhauls to attend a closing date XX/XX/2021.
On the day of closing, ( 3 ) hours after my appointment with the lawyer ; it was communicated to me that I was being denied closure on my loan because my commuting distance & { dwelling of primary residence was more than 100 miles apart } This has left me homeless, living in my vehicle, all of the money invested non refundable, and my belongings in a storage unit.
Im in XXXX, Im fully vested with XXXX ; and in its very nature can have me based anywhere in the country at any given time. I have never had an issue commuting to work in the ( 6 ) years Ive been flying.
Are there exemptions protected under the Transportation and Railway Employee Act? It seems a bit discriminatory to not have something in place for those who work for solid companies but cant control the logistics of their profession. Any help or guidance you could provide would be great.
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| 01/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XXXX I made a payment to the mortgage company. I called on XXXX at the advice of my loan originator, I was then told by a call center rep that my bank account information was incorrect and I had an NSF fee. I gave the representative the correct account number and made the payment of XXXX over the phone. The rep stated that she would update my account with the correct account number. On XX/XX/30 I made a payment of 1300 towards my mortgage. On XXXX I called and was told they had a high call volume and that payments were going to post on XXXX. On XXXX I called and spoke to a representative who stated that the account information is again incorrect and that another NSF fee was attached to the account. She stated that the previous rep had the incorrect account saved, which is wrong because my mortgage payment for XXXX was drafted from my account. I was then told I had to make my payment of XXXX. When I requested to speak to a supervisor I was denied, even though the agent was talking to a supervisor through chat no one was available to talk. The agent also refused to take payment over the phone and directed me back to the website.
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| 03/01/2019 |
No |
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- Trouble during payment process
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Web |
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I am currently in a chapter XXXX bankruptcy, and have decided to sell my home so I need my payoff amount to set the asking price. I called and was put into someone's voicemail on XX/XX/19. When I didn't get any call back I called again on XX/XX/XXXX and was told I didn't need to leave a message, I needed to fax a written request because they aren't allowed to tell me the amount over the phone. I sent that the same day, and didn't hear anything back. On XX/XX/XXXX I called asking the status and was put into a voicemail where I left a message. I called back again XX/XX/XXXX and asked to speak to someone, in person, and was told my paperwork was in " the specialists '' hand and would be faxed to me before the end of the day. Today I still have not received the paperwork, called and was put on hold for 24 minutes and then put into someone's voicemail. I called back and asked to speak to an actual person and was told that all the reps were busy, and put into yet another voicemail. In the last 2 weeks I have left 4 voicemails and sent the requested fax, and have not actually been contacted back by anyone from Movement Mortgage.
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| 02/23/2022 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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XX/XX/XXXX, I contacted XXXX XXXX and XXXX XXXX to work on a mortgage loan, obtained pre-approval letter. XX/XX/XXXX, contract signed for new construction. I provided XXXX XXXX with documents requested. Paid {$1500.00} to secure the construction contract. Home was scheduled to be finished, close date of XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX left XXXX XXXX, my file was not worked. Then I was asked to pay {$590.00} appraisal fee and other out of pocket expenses. XX/XX/XXXX, XXXX XXXX unofficially closed my file. XX/XX/XXXX, contacted XXXX XXXX at Movement Mortgage for help. I was promised help, lied to about close date. When in actually no submission was made to XXXX XXXX nor XXXX on my behalf. My family was rendered XXXX because of the false expectations set my XXXX XXXX. I had to live in a hotel. My apartment lease was expired and not available for renewal as I had already submitted a vacate notice expecting to be in my new home. XX/XX/XXXX, construction contract was terminated by the builder. It was then I found out that XXXX XXXX lied about my loan progress. I'm financially crippled by her incompetence
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| 05/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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ovement Mortgage servicing received my correct final payoff value on XX/XX/XXXX. Still took out an unnecessary automated payment I had called to cancel on XX/XX/XXXX. I then reached out to them to confirm that they would return any overpayment and remaining escrow amount within the required 20 days. They confirmed and said it would be returned electronically, I then provided them with my updated address as with my mortgage paid off I was no longer at the home associated with the mortgage loan.
On XX/XX/XXXX they issued the funds in the form of a check ( I would later learn ) addressed to my old address when I reached out to them on the XXXX they confirmed the error. I was told they would stop payment and issue a new check and send it to my correct address which they already had on file. I called today, XX/XX/XXXX, to check the status and was told that not only had a new check not been issued but it would not be and that they had an additional 30 days to release my funds. I was denied the opportunity to speak with anyone else and told a manager MAY choose to contact me sometime before XX/XX/XXXX.
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| 11/02/2016 |
Yes |
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- Credit decision / Underwriting
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Web |
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We began the buying process about two months ago with Movement Mortgage. We applied for an FHA XXXX loan originally, but switched to the FHA because we would n't close on time according to the lender. Our original closing date was XXXX XXXX, the lender called and told us we would not be closing on the XXXX that we would close on the XXXX of XXXX and sign the amendment at closing. The lender told us and the seller that we had everything we needed to close, and that we would definitely close on the XXXX. When closing time came around someone ended up dropping the ball and needed additional information to close. The additional information was everything they had already received from us. We are getting a heck of a deal on a home, and this has caused us to be in a bind. The seller is coming close to pulling out because of other commitments and obligations. This company had ample time to request documentation, we continuously stayed in communication with the lender and followed up with request. this is very unacceptable to not have thoroughly reviewed our submitted documentation. There is no excuse!
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| 05/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
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Web |
Servicemember |
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I started a loan process with Movement Mortgage in XXXX, South Carolina. The Loan officer 's name is XXXX XXXX. I have decided not to pursue a loan with Movement Mortgage due to XXXX 's unprofessional-ism and predatory practices of charging me at least double the rate of services in the mortgage lending industry. I have simply asked for the fee back that I paid for an " appraisal '' the fee charged was {$650.00} which was my first indicator that XXXX was trying to rip me off. She then preceded to try to charge me {$890.00} in non-existent Administrative fees. I am choosing to use another loan officer and company at this point. I asked XXXX for my money back, she has refused to refund my {$650.00} back and told me to stop texting her phone. She then rudely said that I had the " audacity '' to ask her to come to my work for my closing. I asked her to come to my work due to me just starting a new job a week ago and not able to get off to go to closing. After that insult, I have decided to pursue other mortgage lending options and would like a refund of the {$650.00} fee that I paid.
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| 08/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
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In XXXX of 2019, I contacted mortgage company named Movement Mortgage head quarter located in XXXX, NC for refinancing my primary residence located at XXXX XXXX XXXX XXXX va XXXX. The company loan officer first asked me to hire a lawyer to redo the deed adding my name to the title. My wife and I have been married for over 25 years. Then, I was asked to pay $XXXX for appraisal. $XXXX for CPA letter. After almost 3 months tirelessly trying to satisfy the daily request for documents coming from the bank requests from the loan officer, processor and assistant, I was advised that the my loan got rejected. After 30 days following my application, the underwriter kicked me out of 1 program putting me on higher interest program. About 90 days later, the loan officer told me my loan got rejected. No written explanation was given. I have suffered great deal of mental distress and financial loss as a result of this company underwriter’s incompetence, unethical and discrimination practice. I ask you help me to reach out to this company to address issues. Thank you.
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| 10/03/2017 |
Yes |
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Web |
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I closed on a home in early XX/XX/XXXX and everything was understood to be under escrow. I live in a state mandate to have windstorm insurance as well as home owners insurance. So seven months later i was effected by hurricane Harvey and withstood peorsonal property damage which should have been cover by the windstorm insurance. Damages ranging from my entire fencing around my property being blown away and my shed being blown away. Now come to find out i never had windstorm insurance ( reminder it is mandatory to have to close ) so all of my damages have so far had to be repaired out of pocket. I know that my morgage loan was purchased by a different morgage company but none the less it was between the title company and the morgage company to determine mlwhat coverages i needed after i set them up with my insurance company. Everyone i talk to us just pointing the finger to different companies and no one wants to take the blame. All i know is someone dropped the ball between morgage, title and insurance company and they should be liable to cover my damages.
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| 01/17/2023 |
Yes |
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- Trouble during payment process
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Web |
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Movement Mortgage LLC was disbursed home owners insurance check for XXXX. XXXX has been released after weeks of phone calls and no show, no contact with inspection company. Inspection must be done in order to release funds. XXXX returned phone call last week and put in a direct call to inspection company XXXX XXXX XXXX XXXX ). Inspection company nor mortgage company has reached back out to schedule. Thus withholding funds. I have had to use my personal savings to complete the restoration from the water damage, which has caused me to now fall behind on payments. Am requested that someone reaches out to movement mortgage to release funds that they are illegally withholding so that I can complete the work approved by the insurance company. Please also be advised I have XXXX XXXX XXXX XXXX XXXX XXXX there is black mold present due to water damage. This needs immediate attention to avoid further legal actions. Call placed today advised inspection was scheduled for XX/XX/09, but consumer, me was not contacted regarding this date. XXXX call back requested.
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| 10/06/2018 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Servicemember |
|
Ms. XXXX XXXX of Movement Mortgage kept sending my wife 's and my sensitive and personal information in CLEARTEXT over the Internet. When we asked her to stop sending our sensitive information in cleartext over the Internet, THAT'S when she then informed us that Movement Mortgage wasn't going to provide us with a mortgage pre-approval. We were ok with that. However, we were not ok with Movement Mortgage keeping our sensitive information in light of their poor custodial management of our information. We asked Ms. XXXX to please delete any and all information ( including emptying her email " trash can '' of any correspondences with our sensitive information and to delete any and all of our sensitive information from their servers. Ms. XXXX claims to have deleted all the emails. However, she then told us that Movement Mortgage was required to keep our sensitive information ( per CFPB regulations ) in case they are ever audited. When we asked her to provide us with the regulations, she was unable to. This is not acceptable.
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| 10/09/2021 |
Yes |
|
- Trouble during payment process
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|
Web |
Older American, Servicemember |
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I did a refinance with Movement Mortgage with an interest rate of % 2.875 and was told my payment would be {$760.00}. This was a 30 year fixed rate. For almost a year everything was fine. I then get a mortgage statement in XXXX that my XXXX payment was going to be {$970.00} per month because my escrow was was short {$1800.00}. I did not have that kind of money. so I asked would bring me back down to {$760.00} and was told I would not get back to that payment because I would still be behind on my escrow. I ended up paying {$2200.00} and a payment of {$800.00} per month. I have refinance 4 or 5 times previously and has never had a {$2200.00} shortfall. I am disabled and I get {$1500.00} per month and I felt that they trying to take my home of 34 years. All the company did was to tell me that I did not have to pay it all at once. they would spread it over 12 months which was a recipe for disaster because that is why I refinanced in the first place. After my husband died in 2016 I had to figure out how to make ends meet.
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| 08/16/2018 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
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I contacted movement mortgage and was dealing with a lIan officer by the name of XXXX XXXX. he told me once I get my credit score so at least a minimum score of XXXX I can move forward well when he pulled my credit on XX/XX/XXXX I had a credit score of XXXX being my middle score. So on this past Monday I submitted all of my documentation its far as my income and XXXX told me on Sunday to allow him until Wednesday for him to work his magic and XXXX give me my approval he told me I was looking at getting approved for XXXX so now is something totally different he has been dancing around it now he said he cant get it approved is very unprofessional very unprofessional and Im filing a formal complaint not only against movement mortgage but also against the loan officer because he fed me a bunch of lies. When I first met with him on the phone I told him I was in credit repair and I signed up back in XXXX of this year he told me if he can get a letter of explanation we can move forward now again its something different
|
| 03/05/2022 |
Yes |
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|
|
Web |
Servicemember |
|
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.
|
| 08/02/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
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We are currently in process of selling a home. The buyer 's agent and the lender are non-responsive to my agent and staff. We are now 3 weeks past our original close date with no explanation whatsoever. We are also out of contract as of XXXX/XXXX/2016. We will be going to litigation for the buyers escrow as we have no signed extension or cancellation from the buyer. We are currently seeking legal counsel in regards to Movement Mortgage ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) and XXXX XXXX ( XXXX-ID XXXX ) with XXXX XXXX.
As an out of country seller, the conversion rate alone has costed me over {$2000.00} in the last week of losses. The utilities were turned off for the original close date. Our grass is now dead due to lack of water. We have received no correspondence from Movement Mortgage or XXXX XXXX as to what is happening with this transaction.
Per the realtor contract, we are entitled to the escrow of {$2000.00}. We will be pursuing this as the lender has caused the buyers default of the contract.
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| 09/17/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
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|
I am hoping to sell my home and buy a new one. I have a buyer, and we are both clear to close on our loans. However, the buyer of my home can not close on mine until her buyers close ( a long chain ). They are using Movement Mortgage. As of now, it has been over 80 days that the loan has been processing. Last week, we were told that they were clear to close. We then found out that the loan officer at Movement Mortgage was not honest with us, and that they were not clear. Since then, there has been little to no communication with anyone about why the loan is sitting there- not being declined or closing. We were told again that it would close today, but it hasn't happened. At this point, it is affecting my ( and everyone else in the chain ) ability to sell my home and close on my new home. The lack of communication is unacceptable and I have no idea what the next steps are if we can't get an answer one way or another from Movement Mortgage. I would just like a resolution to this problem.
|
| 08/13/2018 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
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I XXXX XXXX XXXX applied for a loan with movement mortgage with my intentions on purchasing a loan for the purchase of my future home.. I applied for this loan on or around XX/XX/2018, and as of today XX/XX/132018 I havent closed on my home yet. I have respond to every email as well as produced everything to my knowledge that I could as well as spoke to the loan processor XXXX and the supervisor XXXX, to make this purchase as successful as possible. I made a abnormal payment of XXXX. Earnest money to secure my attempt of my purchase I have since lost my earnest money and has never been give a denial letter ... this is called to me a NEGLECT OF FUDICARY DUTIES AND I HAVE SUFFERED A GREAT LOSS. I am requesting a letter of denial as well as my XXXX. In earnest Money I have reached out to the Movement Mortage executive office several times and I have yet to speak to anyone to make this an peaceful effort I can be reached at XXXX or XXXX XXXX For more information
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| 01/07/2016 |
Yes |
|
- Application, originator, mortgage broker
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|
Web |
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Contacted Movement Mortgage, XXXX, AL on XXXX XXXX, 2015 because this company is on the Alabama Housing Authority Finance 's lenders list for the Step Up program. Consumer was led to believe that was qualified for this program and a government housing grant because my credit scores are on par. Consumer submitted documents to these clowns but, deliberately, not bank statements. Consumer has not been contacted all this time to confirm that documents had been received are any other confirmation. Today, consumer was contacted by branch manager doing a song and dance number to the fact that their company does offer this program but has put in place other criteria because defaults are high. The company is requiring a XXXX credit score and not the standard XXXX credit score this program requires. This company has wasted my time and energy by not stating upfront this additional criteria. This company is deceptive, to say the least. Consumers deserve better.
|
| 07/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
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We were under contract for a property in XXXX XXXX XXXX, FL. The process was going smoothly until XXXX days before closing. That is when our movement mortgage representative told us that they may not be able to fund the loan. However, they still made us wait until a week after the set closing date to provide a denial letter citing the type of property we were purchasing ( condo ) did not meet their eligibility criteria. As a result, the seller put the property back on the market and they were entitled to and kept the earnest money deposit. If movement mortgage had done their due diligence in a timely manner and communicated this to us, we wouldnt have had this issue.
This is a warning to anyone dealing with this company and specifically their XXXX XXXX XXXX branch. XXXX XXXX was the loan officer that we were working with. Although he seemed very nice throughout this process, once this issue occurred he disappearednot answering emails, calls, etc.
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| 03/30/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
When I applied for my mortgageXX/XX/XXXX, I spoke to several mortgage lenders and made many comparisons. The reason I chose Movement Mortgage, over another lender, was the fact that my mortgage officer, XXXX XXXX, assured me several times that I could make biweekly payments on my mortgage. Even at closing, onXX/XX/XXXX, XXXX assured me that when I receive my statement, I can call to set up biweekly payments with his assistant or by calling customer service. Again, this was mentioned several times during the mortgage process. However, I received the statement and was told that I could not set up biweekly payments when I called customer service today, XX/XX/XXXX. I am very upset that I was mislead with this information by XXXX XXXX dishonesty because he knew setting up biweekly payments was a deal breaker to choose Movement Mortgage. Attached is a picture of text messages between XXXX and myself where he guaranteed this could happen.
|
| 04/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
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?
|
| 01/26/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I took out a XXXX loan on XXXX XXXX, 2017. I hired a contractor that was recommended to me by the Movement Mortgage loan officer. I later found that this contractor was not competent and ruined the foundation of my house.
I parted ways with the contractor and hired another contractor- which was approved by the lender. The original contractor later filed a lien against my property - which I am fighting. Movement mortgage has now refused to pay my current contractor for the work he has done due to the false lien against my property. I have asked them for loan documentation that states that this is allowed- they have yet to provide any.
I 'm now in jeopardy of having another lien filed against my property. I would like for Movement to pay the current contractor or provide HUD documentation that they are not allowed to do so. I called HUD and was told that there is no such documentation.
|
| 08/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Good evening, 1. I purchased a house on XX/XX/XXXX for {$290000.00} at XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX. I put XXXX down with a loan amount of {$260000.00} 3. My appraisal at the time of closing was for {$310000.00} 4. I have been paying {$300.00} extra in principal since my first payment on this loan so that I could drop the MIP as soon as possible.
5. My current balance is {$240000.00} which is below the 80 % XXXX requirement.
6. I contacted the company on XX/XX/XXXX in writing to request the MIP be dropped.
7. I followed up again on XX/XX/XXXX in which the representative promised to have the issue addressed no later than XXXX XXXX.
8. The company has still not contacted me, except to say that my taxes have gone up again, so my payment is increasing in XXXX.
9. There are no seasoning requirements on this loan.
Any help would be appreciated.
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| 06/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
A mortgage payment check was never received. My first contact about this missing payment was from the mouth of the customer service rep was that I was being placed into collections. I started a research process with Movement Mortgage. I provided a copy of the carbon copy of the check that I mailed in on XX/XX/2021 for a XX/XX/2021 payment. I was finally forced to place a stop payment on the check. I attempted to place a payment on-line but was forced to contact Movement Mortgage customer service for assistance as the web page was not allowing me to pay the payment on-line. I was told that since my account was delinquent I could not pay the payment on-line. I was told by the first rep that the only was to resolve this issue to pay on-line now the second rep told me I couldn't on-line. Now I want to pay but I'm caught in a Movement Mortgage loop
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| 03/24/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
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We went to closing today at XXXX for a house on XXXX, XXXX Delaware XXXX. We have been told several different loan amounts and closing cost. I did not receive my final closing papers until this morning at XXXX and I had to call my mortgage company to get the figures. I was NOT given 3 days prior to closing. My loan amount was approved for XXXX but when I got to the table the loan amount was XXXX. This made our closing cost XXXX. We were NOT expecting to pay this closing amount. We did not understand where Movement Mortgage got their numbers from. Our mortgage loan officer did NOT even show up for the closing and when we called him at the table even the lawyer from XXXX was confused at what our Loan Officer was saying. We closed anyway but we need help and answers. There 's much more to the story so it is easier if someone would call us. XXXX.
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| 06/16/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
Servicemember |
|
I was supposed to close on my house in Nebraska with Movement Mortgage on Friday, XXXX XXXX, 2016, however, my mortgage company failed to provide me with a closing disclosure form. This delayed our mortgage over the weekend. The Wednesday prior to close, I was contacted by Movement Mortgage and informed the lady who had worked on my mortgage was sick and her manager was filling in to complete the process. Today, Thursday, I was contacted by another Movement Mortgage representative and informed the lady who was " sick '' is now " AWOL '' from the company and never sent me the closing disclosure form on time, which meant we had to push back our closing date- impacting all prior arrangements a day before the closing date.
As of this time, we are set to close at the later date, but this failure on the part of Movement Mortgage is unacceptable.
|
| 12/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Fees charged
|
|
Web |
|
|
On XX/XX/2023 I received an email from Movement Mortgage verifying that payments I made in advance were being applied to extend my due date to XX/XX/2023 with a leftover credit of XXXX to ne applied toward XXXX 's payment.
They were notified XX/XX/2023 that my bank account was closed due to fraud and my automatic payments were discontinued.
In attempting to get payment address for a cash payment to be sent in XXXX, I was notified that I had {$150.00} in returned check fees for XXXX, XXXX, and XXXX, when no payment was due. My payment was extended from XX/XX/XXXX, to XX/XX/XXXX, with the additional principal I had already paid on the loan.
They are refusing to take off the returned check fees for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on a closed account, with NO payment due Your help is appreciated, Sincerely, XXXX XXXX XXXX XXXX XXXX
|
| 11/19/2016 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
I was approved by a underwriter at Movement mortgage and at the day of closing my loan was denied, all my documents were approved, my income was verified, I had all funds cleared for purchase in my bank. The company did n't bother to call me after driving 4 hours to close on the home, it was very damaging to my credit i have taken a large hit because of this deceptive practice. I arrived at the home of my dreams talked to the agent and inspected the home before providing title company with down payment, and to my knowledge i was the victim of mortgage discrimination there was not reason why my loan would be denied according to the loan officer 45 days prior, which was more than enough time for underwriting to verify docs to make an offer, I also have emails that prove that this was not just a pre-approval I was approved.
|
| 03/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
I filed XXXX XXXXXXXX Bankruptcy in XXXX and apart of that agreement was to pay Student Loans, Car Loan, Trustee, and Mortgage. I have been on time and paid up through time of submitting this. I have reached out to the attorneys who represented the servicer and company Movement Mortgage. No notice has been sent about paying attorney fees prior to this statement. The current statement shows XXXX in attorney fees when I am not foreclosing or doing anything wrong. I understand that I had to be " punished '' for the BK by them removing online access and no longer reporting to my credit, but these fees where never explained to me or negotiated. I am awaiting response from you or them. Being a loan officer myself I know that not warning clients about fees is illegal and Movements attorney costs shouldn't be my responsibility.
|
| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Contacted Movement Mortgage over a period of 3 weeks due to all credit bureaus reporting mortgage as late. Was denied a loan and all credit card accounts closed due to this. Movement Mortgage stated they would start an investigation because they are showing in their end they have not reported any lates. Was told investigation would be completed XX/XX/2023. Contacted Movement on XX/XX/2023 and was told it could take up to 30 days. Requested to speak with leadership as agent was communicating back and forth for advisement with leadership. Was then hung up on and no return call made back to me. I have requested they contact all credit bureaus directly and fix this, but they are refusing to do so and continue to state they arent showing theyve reported any lates. Lates show on all credit reporting bureaus since XX/XX/2023.
|
| 09/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
I went online to look at my mortgage this month XX/XX/2023, and saw an increase in my mortgage from {$950.00} to {$1300.00} and an increase of {$390.00}. There was no letter sent out to me. Neither did I receive a phone call or an email. I received nothing whatsoever in the months before seeing this increase online. The only way that I found out about it was when I went into my portal at Movement Mortgage.
I then reached out to the servicing department at Movement Mortgage about this issue and I was informed by A servicing representative, by the name of XXXX, that the servicing department had failed to do an analysis of my escrow for two years. And as a result of that, there was a shortage in my escrow of {$2800.00} which I was responsible for paying as a result of their error in calculating my escrow account.
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| 10/01/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
On XX/XX/2020 I made my first payment for my mortgage. The funds were drafted out my account in the amount XXXX on the XXXX of XXXX to Movement Mortgage llc. To this day XX/XX/2020 they have yet to post this payment to my account. My bank has contacted them to help them retrieve the funds that were sent to them. I also have sent multiple emails to support providing proof of payment. The new servicer is threatening foreclosure and im receiving constant debt calls, and I was reported as being thirty days late to the credit bureaus which is not true. They informed my bank that they would post the payment to my account in XXXX and they have not. They are harassing me for a payment that has already been paid and my credit score has dropped significantly because of the false report they made to the credit bureaus.
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| 12/27/2016 |
Yes |
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- Credit decision / Underwriting
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|
Web |
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I applied for a FHA loan at Movement Mortgage on XXXX XXXX, 2016 and was trying to get completed due to lease would be ending verily soon. I have been provided several closing dates and yet have been displaced to a hotel since lease is completed and have encountered over {$4000.00} in hotel room charges during these 3 months and still no decision has been provided to me as of this date. I have had to contact the XXXX Corporate office as well as the main corporate office in XXXX then to be sent to another person in XXXX Was told by Loan Officer no credits of any kind could be provided to me due to this unfortunate situation. Was harassed about the status of my children and had to prove constantly if I have given birth to them and by providing birth certificates and court documents on a almost weekly basis.
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| 02/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
|
|
I filed a complaint some time back when my loan was sold back to Movement Mortgage. When it was transferred back I never received a payment book or a monthly statement. After contacting them they sent me an email with only my payment amount and due date. They also stated that my loan was in the process of being sold and they needed a month or so to get it transferred. At this time I closed the complaint thinking it would be transferred. 5 months went by and still my loan was not transferred. I contacted them once again and again they said it was in the process. Finally, We just refinanced to get out from under them. This company has cost us a lot of money. Now here we are at tax time and I have not received my XXXX. I am not surprised. Still to this day I have never received anything with any details.
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| 08/30/2020 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
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On XX/XX/2020 I received a notification that my credit had been run by a mortgage company, I was in the process of buying a house back in XXXX, the deal didnt happen. We are still looking for a house and we found a listing recently my wife and I were interested in seeing. We contacted our real estate agent. The real estate agent decided to call the mortgage loan XXXX XXXX XXXX from Movement Mortgage in XXXX RI and asked for a preapproval. We never spoke to the mortgage loan XXXX XXXX XXXX and requested this. We werent even sure if we were going to use this company again. The loan XXXX XXXX XXXX ran my credit without asking. I didnt even receive a phone call after. I found out through a alert on lending tree.The last time I gave permission to run my credit was in XX/XX/2020.
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| 08/03/2020 |
Yes |
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- Trouble during payment process
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|
Web |
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On XX/XX/2020 I received a delinquent tax notification from my township. After calling my township, I am told that my mortgage company ( MOVEMENT MORTGAGE ) never paid Quarter 2 taxes. I emailed the delinquent notice to Movement Mortgage ( received a receipt via email ), called Movement Mortgage and spoke to representatives on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each representative either reported a payment will be wired on XX/XX/XXXX ( never happened ) or we are looking into that.
At this point, my taxes for two quarters have not been paid. My mortgage payments have been made on time and my escrow account has enough money to cover the taxes.
There are also penalties that I should not be responsible for paying.
I appreciate assistance in this matter.
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| 07/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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My wife and I refinanced our home through Movement Mortgage in XX/XX/2020. Just before closing we were told we must have an escrow account even though we haven't one in over 10 years or be charged a higher rate. ( despite a 75 % loan to value ).
At closing XXXX collected 14 months of XXXX XXXX premium and taxes. Our home owners policy was due in XXXX. We just received a cancellation notice from our carrier for non-payment. Our insurance agent said XXXX was billed 3 times for the premium and still hasn't paid them. I have received out to Movement Mortgage and haven't heard anything.
To resolve this issue I would like the premium paid in a timely matter and the escrow dissolved with all monies returned to us. We will pay our own bills " XXXX XXXX '' going forward.
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| 07/24/2017 |
Yes |
|
- Trouble during payment process
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|
Web |
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The home closed on XX/XX/XXXX with Movement Mortgage, then sold to XXXX. Payments started on XX/XX/XXXX. All payments have been made on time. I have proof of all payments. Between the two mortgage companies, the paperwork and transfer dates have been crossed up. I have been receiving phone calls on, late notices, and now late charges for payments that have already been received. I have tried to resolve this issue several times. As of yet, they have not worked together to clear up this issue. XXXX have a transfer date of XX/XX/XXXX, then Movement Mortgage has a transfer date of XX/XX/XXXX. I sent the XX/XX/XXXXpayment to Movement Mortgage and they refuse to send the payment to XXXX because they are saying it would make my account delinquent with them.
|
| 04/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
|
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I closed a loan with Movement Mortgage on XX/XX/2021. I worked with XXXX XXXX NMLS XXXX4 ( he is the loan officer ) in my last loan. So I'm existing borrower/customer with Movement mortgage. I reached out to XXXX XXXX on XX/XX/2021 asking for some details on my upcoming cash-out refinance application. His response was that " Thank you for the opportunity to work with you again. I think it would be in everyones best interest if you use a different mortgage company moving forward. '' He basically refused to even accept my loan application without telling me why. I sent another follow-up email to him asking why and he never replied. It made me very puzzled and perplexed. Is it discriminatory against customer? I have email from XXXX as proof.
|
| 05/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a 'Homestyle ' renovation loan with Movement mortgage. I've been trying to access my loan funds since XX/XX/XXXX. That's when my contractor submitted a draw request for {$28000.00}. We've been waiting for an appraiser to come out and validate the work done on our kitchen ever since but that still hasn't happened. After multiple requests.
In a recent email they said " Evidently we are having a difficult time getting an appraiser out to your property. The original appraiser declined our request for the re-inspection and we are now searching for another appraiser. '' I understand that might be the case for a week or two but it has been MONTHS of waiting to get our loan funds. This is unacceptable.
thanks, XXXX
|
| 10/28/2018 |
Yes |
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|
Web |
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Let me tell you I am not well educated on mortgages 1 interest rate was increased dfrom that first time offer 2 after final approval they extended that loan to loose my Rate extension, and past my dwellingins, trying to push avoid my contract.
3 they trying to avoid to take my XXXX dollars down payment.
Loan officer XXXX XXXX told those XXXX need to put after my My first payment toward interest. Record of this call exist 4 then XXXX XXXX yell and try to stop my loan Then he told that differences on my mortgages With XXXX dollars Down will be only XXXX dollars a month, record of this call.
5 they have been pushing this loan over the date to make my rate expire I do really need help with these people.
|
| 07/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
Movement Mortgage held onto an on-time payment I made in XXXX, XXXX for 20 days causing my mortgage balance to increase. In turn, on XX/XX/2023 XXXX sent me a notification that our principle balance on our mortgage increased {$1600.00} from {$440000.00} to {$450000.00} despite never being late on a mortgage payment.
As far as I can tell, XXXX held onto our XXXX payment because they were doing an escrow analysis and messed that up as well.
When I pointed this out to Movement Mortgage and asked for an accounting, they did not send a proper accounting showing the total mortgage balance as requested and became non-responsive when I asked them to correct their error in reporting to XXXX.
|
| 09/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
Older American |
|
My wife and I are pre-approved by Movement Mortgage here in Georgia. My wife and I have met every stipulation that Movement Mortgage has laid in from of us and in fact we 've been approved but for some reason in the last few hours they wo n't process our loan ( we were supposed to close today ). In fact, they claim that the original loan processor called in sick today ( bait and switch ), and are now making us prove our loan worthiness once again while the sellers and buyers of XXXX other loans are waiting to close, the sellers of the home we 're buying are basically backing out of our signed and agreed to deal. Please warn other people of this bait and switch that we are going through.
|
| 12/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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Mortgage Payment for XX/XX/2021, including late fees was sent as a personal check on XX/XX/2021 via USPS certified mail. Per USPS, the check was delivered to Mortgage Servicers XXXX XXXX on the XXXX of XXXX. Servicer didn't apply payment by the XXXX of XXXX although it was delivered on the XXXX. Homeowner called and emailed servicer to inquire as to why payment wasn't applied as well as tracking number on envelope that was sent. Homeowners credit report was subsequently damaged due to servicer reporting it 30 days late although servicer received payment within 30 days of due date via confirmation from United States Postal Service tracking.
|
| 09/14/2017 |
Yes |
- Mortgage
- Other type of mortgage
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|
|
Web |
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In XXXX 2017 my wife and I received a pre approval letter through movement mortgage company. Then we shopped around and found XXXX XXXX XXXX that has done everything with our loan. Movement Mortgage is now preventing us from closing on our loan by threatening to sue XXXX XXXX XXXX so they wo n't close on our loan. We are supposed to close In 6 days but are being forced to use movement instead of the company that has done everything on the loan for us. We have been bounced around from person to person through movement mortgage ( total of 3 loan people ) and they should n't be allowed to carry on like this.
|
| 03/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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I originally applied for a loan with Movement Mortgage on XX/XX/XXXX for underwriting. The loan ( XXXX ) was pre-approved and then transferred to Mortgage Loan OfficerXXXX XXXX on XX/XX/XXXX because he was licensed in Georgia.
On XX/XX/XXXX, Movement Mortgage access my credit file unbeknownst to me and started another application for underwriting even though they had all the necessary documents.
On XX/XX/XXXX, after I pressed the issue with XXXX XXXX, the Georgia branch manager, however no logic explanation was given. On XX/XX/XXXX, I terminated my loan ( XXXX ) and relationship!
|
| 06/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX Property was missing critical and costly disclosures to new owners ; There exists a 4 foot diameter by 30 foot length pipe in a very long easement on the property. Former owners should have disclosed the problem area and future maintenance obligation. New owners are stuck with a sinkhole and a failing and costly Storm pipe repair. Will title insurance protect us from these costs? This seems like a huge ethical issue going forward. New buyers in my neighborhood should be informed of this huge cost before purchases, not after.
|
| 05/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
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|
Web |
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I filed for bankruptcy XX/XX/XXXX. I am on the mortgage with movement mortgage for XXXX XXXX XXXX, XXXX, NC. I never reinstated. I am not responsible for this mortgage. I was a second co-signer for the mortgage with XXXX XXXX XXXX XXXX XXXX I signed a quit claim deed absolving my rights to the property in XXXX XXXX never received a copy. she won't refinance due to beligerance. I haven't lived at that property since XX/XX/XXXX. I currently rent in a XXXX XXXX. I filed bankruptcy to get off the mortgage. it helped with one credit bureau but not the others.
|
| 09/01/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I was advised the day before my dead line that I wasnt going to be able to move forward with the purchase and I wasnt able to get my denial letter from the mortgage company, therefore hindering me from obtaining my deposit back from the XXXX .... the mortgage company manager stated that the loan officer had removed my application from their system prior to leaving the company so they cant provided me with any documentation. My deadline was XX/XX/XXXX and my loan officer told me on XX/XX/XXXX to pull out! Giving me no time to react with such short notice.
|
| 04/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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|
|
Web |
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On the evening of XX/XX/XXXX, 3 business days before planned closing date of Monday XX/XX/XXXX, I received new disclosure documents. On this document was a new 1 % point, on top of the already disclosed and expected {$990.00} fee. This was a {$1700.00} extra fee, increasing my out of pocket c! doing costs by nearly 20 %. They knew rates were rising and it would take another month to finish, which would add hotel expenses and other fees to start over with another company, as well as risk the owner taking my earnest money and putting back on market
|
| 09/14/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
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|
I 'm having major problems with XXXX XXXX. We have been trying to purchase a house since XXXX XXXX and now it 's XXXX XXXX. We have had 3 different closing dates and the company keeps jerking us around, lying to us, loosing personal info with our social security and bank account numbers, and passing us around from one agent to another. We have good credit and this company has been very unprofessional and takes no responsibility for these problems. They never fix the problem, they just keep loosing info and prolonging the loan process.
|
| 09/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I received yesterday a notification from Movement Mortgage to myself and my XXXX yr old son that there has been a data breach and that our information has or might have been compromised. My problem with this is that neither my XXXXyr old son or myself have ever applied for a mortgage with Movement Mortgage. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have always done my mortgages thru my bank. I am very concerned that they have any information on me and extremely concerned that they have information on my XXXXyr old son.
|
| 08/22/2018 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I was given a pre-approval letter stating exact dollar amount and that this had underwriting approval. several days before close I was told I do not qualify. then after my rate lock expired I was told they could fix it and they would close on the loan, however at a much higher rate and less amount financed. the mortgage originator than told me that I could close at the higher rate and lower amount financed and make payments to the previous owner on the side with out the mortgage company knowing about it.
|
| 10/11/2023 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
Servicemember |
|
On XXXX I inquired again to Movement Mortgage of what became of my end of the year escrow monies when they stated that I owed them over {$3000.00} for homeowners insurance after I sent {$2200.00} from a cancellation insurance policy that they paid this summer, last week. I was informed that I still owed them over {$3000.00} and they will increase my mortgage from {$720.00} to {$1300.00} starting XXXX. I'm currently in XXXX XXXX and a XXXX XXXX veteran on a fixed income in which they know this.
|
| 07/07/2023 |
Yes |
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Divorced and now ex spouse lawyer is trying to strong arm me into giving me 12 months credit history of my va mortgage to ex spouse mortgage company through the court. I believe this is a violation but can not seem to find law on this. Through court ex spouse has to obtain a new mortgage. Do I have to provide my credit history to her new mortgage company. ( Movement mortgage ) it has been over a year that she had to obtain a mortgage. What can I do or please point me in the right direction.
|
| 08/17/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
We went to our scheduled closing and on the way there found out we couldnt close. We were told the ratios werent in line. The mortgage company gave the go ahead to everyone involved, including the attorneys. Now we are being told the loan was never correctly processed or approved. We had days off from work, utilities transferred and people set up to help us move. Our landlord has new tenants coming in on XX/XX/XXXXand we have no where to go. The banker will not return phone calls or emails.
|
| 08/25/2022 |
Yes |
|
|
|
Web |
Servicemember |
|
Movement Mortgage is withholding my escrow closeout payment. They have 30 days to send this refund. I am now at 90 days of waiting. They state they sent 2 checks that were never received at a verified address. I then made arrangements for a direct deposit that was also never received. I then made the same arrangement again and have not gotten my refund. We did not use them for our current home purchase. I now believe they are intentionally withholding this refund.
|
| 03/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX / Movement mortgage account on my credit report is still showing open with a balance. account was closed and transferred to another lender which is XXXX. XXXX account is reporting as correct and accurate. The XXXX / Movement mortgage account is negatively affecting my debt to income ratio since account is still showing as open. Please update as closed or remove from my credit report. Account was disputed online with equifax confirmation number XXXX
|
| 07/06/2018 |
Yes |
|
|
|
Web |
Servicemember |
|
Movement Mortgage I'm very distraught of the lost XXXX Earnest Money, XXXX Inspection, totaling XXXX. The XXXX appraisal fee was was returned to me but the rest of my lost hasn't been addressed. XXXX XXXX requested the closing date be extended and which I agreed and then the loan wasn't approved which made me loose my XXXX earnest money and XXXX inspection money. I would like for that to be returned to me to settle this matter.
My prior CFPB # XXXX
|
| 02/23/2017 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
I have a family friend that I used as a cosigner/coborrower.
Movement Mortgage still put us as married despite me telling them numerous times AND sending in signed documentation/letter saying we were not married.
Now my deed/title to the house says we are married -- which btw I never received a copy of -- I only found this out because I 'm in the middle of a refinance!!!
Movement Mortgage got bought out XXXX. This is just a huge mess!!!!!!
|
| 02/25/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
This file is in review for loss mitigation with Movement Mortgage. We have not gotten any real update since XXXX. We request call backs and escalate for updates weekly with no response. The lender is delaying the file on purpose. The reps that answer the phone state that they do not have to ability to transfer the call to a supervisor. Their only solution is to escalate the file and request for an update and that is getting us nowhere.
|
| 08/07/2019 |
Yes |
|
|
|
Web |
Servicemember |
|
This has been going on since XX/XX/XXXX with movement mortgage and they have attacked my wife XXXX XXXX XXXX and not updating us on our loan or giving us the closing cost. When you call there corporate they are giving you the run around refuse to update you and pass you down to XXXX XXXX and he will not return your calls or emails and making threats. They are not being professional and already out XXXX dollars without a key to my home
|
| 03/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I purchased a home from XXXX XXXX in XX/XX/2018 XX/XX/XXXX used Movement Mortgage as one of there lenders I did all my paperwork with Movement Mortgage to receive a MCC Certificate.I tried to use it this year an was directed back to my lender to find out that it wasn't attached to my loan but they had everything I signed to receive it.This is not acceptable from a Mortgage company 30 year loan agreement with missing documents.
|
| 08/04/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
My wife and I gave personal information to XXXX XXXX a loan officer for a loan from Movement Mortgage LLC. We found and can prove that the mortgage company was subsequently padding expenses that they promised not to charge. Accordingly, we withdrew our application. We asked that the mortgage company shred all our documents and delete all our personal information from their computer files. The mortgage company will not respond.
|
| 01/12/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Overcollection of funds to be applied to escrow ( tax and insurance ) account. Lack of communication regarding additional funds being taken from escrow account to pay bills not within guidelines. Lack of communication regarding denial o escrow fund waiver. Wrongly denial for escrow fund waiver.
Just an overall horrible experience with the servicing-side of this organization as well as a severe lack of communication overall.
|
| 05/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
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.
|
| 09/08/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
Attorney XXXX XXXX XXXX filed XX/XX/XXXX on all our documents to Movement Mortage when our closing date was XX/XX/XXXX. Escrow storage on our property started in XX/XX/XXXX. Attempt several calls to the reached attorney to explain why Movement Mortage has a homeowner account dated XX/XX/XXXX. On our closing date, we sign documents dated XX/XX/XXXX, I didn't question it because he was representing us.
|
| 11/16/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
My mortgage company overestimated my escrow by over {$2000.00} and was aware of my totally XXXX veteran status, which reduced my property taxes by 75 % or more. I was advised by the escrow depart, via letter dated XX/XX/2022 of the overage of {$2000.00}.
The funds have yet to be received by me, even after I have made more than four contacts with the mortgage company, since XX/XX/2022.
|
| 01/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Servicer received payment of {$1700.00} on XXXX. Check was deposited the same day. Servicer has yet to apply payment to account via conversation with customer service and online account. Borrower is concerned that servicer will still report payment as over 30 days late and will ultimately hurt borrowers credit score even though payment was made within 30 days.
|
| 08/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Lender added additional fees for a loan lock that I was unaware of. When I disputed there response was they thought it was in my best interest to lock the rate without my consent. I ended up paying more money for closing then I agreed to. I felt deceived and put into a corner with no other option but to sign and pay the additional fees.
|
| 10/23/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I lost my job because I refused to take the non-FDA approved vaccine, so my company let me go. I have a family of XXXX, and now all law firms that I have applied for, have blacklisted me because of not taking the shot. I'm the sole provider for my family, as my wife is XXXX due to a car accident. We have XXXX young children.
|
| 11/24/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I purchased a homeowners policy for my home. After 5 attempted calls by myself and my insurance agent, the mortgage company didn't respond. Proof of my insurance was sent to the mortgage company and they did not respond. Ultimately, they bought a policy in my name despite me already purchasing homeowners insurance.
|
| 10/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This complaint is against XXXX XXXX, employee of Movement Mortgage. Movement Mortgage is a company whose headquarter is at XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX.
XXXX XXXX pulled my credit report without my written consent, even after I explicitly told him I do not want to proceed with my loan application.
|
| 01/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Web |
|
|
On or about XX/XX/2022 a mortgage lender did a hard inquiry on my credit score. I was applying for a loan. For the past 2 weeks I have yet to hear back from the lender I was going to work with. I am wondering if I can remove the credit inquiry that was recently submitted on behalf of Movement Bank.
|
| 09/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Called the company multiple times since a payment was made from my end twice to my account.
The company is Movement Mortgage I have asked for a refund multiple times for the amount of XXXX The company keeps diverting me to multiple people with no response Loan number : XXXX
|
| 01/03/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
This is a scam alert. I sold my house two years ago and now im receiving post cards from a company portraying to be movement mortgage. Says I need to call XXXX as soon as possible- Ref # XXXX - Important matter regarding this loan.
I don't have a loan with them anymore.
|
| 04/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
The loan originator shared my confidential data, including the value of my investment accounts, to my realtor who is an external party that referred me to this loan originator. Consent was not provided to share my financial information outside the mortgage company.
|
| 10/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
The lending agent sent me a disclosure for a closing amount on our mortgage. I had to provide more than {$1400.00} more when I signed with the title company. XXXX XXXX XXXX did not keep in contact and avoided communication with everyone involved with closing.
|
| 05/31/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
I applied for credit and was declined but never received a letter of declination. I did complete and online application and waited more than 20 days for a credit decision to be made when they state much faster review times on their website.
|
| 04/06/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
Lender intimidating me to sign new loan documents after I closed on the house. These new documents increase my monthly payments and mortgage insurance. I was told it is to cover the cost movement mortgage lost in providing my loan to me.
|
| 08/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Credit report is missing reported debt.
acocount information is as follows : XXXX/Movement Mortgage date opened XX/XX/2019 balance {$190000.00} should be reported to XXXX and is not being reflected on my credit report.
|
| 12/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I applied to movement mortage and spoke to XXXX XXXX over a month ago. I have asked for countless updates on where we stand and have not received any. This is the most unprofessional mortage company Ive ever dealt with.
|
| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I initiated a mortgage with Movement Mortgage. The loan officer took 3 hard hits on my credit over the first without giving me a heads up. This significantly impacted the credit score I worked so hard to achieve.
|
| 10/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Mortgage was opened on XX/XX/2019, now its showing closed on my credit report and not reporting. Account has been paid 3 months now and no payments are being reported.
|
| 05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I already spoke with the company and Paid off the bills.
The action was taken this morning Amounts was : {$2000.00} paid off
|
| 01/23/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Closing on a mortgage
- Closing disclosure or other related disclosures
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Closing on a mortgage
- Closing disclosure or other related disclosures
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Phone |
Older American, Servicemember |
|
|
| 12/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
|
| 12/25/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
- Delays in the application process
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
|
- Closing on a mortgage
- Delays with the closing process
|
|
Web |
|
|
|
| 12/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Phone |
|
|
|
| 12/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 11/27/2023 |
Yes |
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
Servicemember |
|
|
| 11/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Referral |
|
|
|
| 11/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 11/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 11/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Trying to communicate with the company to fix an issue with the application process
|
|
Web |
|
|
|
| 10/30/2023 |
Yes |
|
- Struggling to pay mortgage
- Foreclosure
|
|
Phone |
Servicemember |
|
|
| 10/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Phone |
|
|
|
| 10/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Closing on a mortgage
- Closing disclosure or other related disclosures
|
|
Phone |
|
|
|
| 10/02/2023 |
Yes |
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Web |
|
|
|
| 09/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 09/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 08/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/25/2023 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 07/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web Referral |
|
|
|
| 06/27/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 05/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 04/19/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 04/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 01/23/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 12/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 12/07/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 12/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 09/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 07/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 07/12/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
- Other transaction problem
|
|
Web |
Servicemember |
|
|
| 07/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 07/06/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 06/10/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
|
| 06/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American |
|
|
| 05/25/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 05/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 05/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Servicemember |
|
|
| 03/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/17/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 12/22/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 10/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 10/20/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 10/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/10/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 07/08/2021 |
Yes |
|
|
|
Phone |
|
|
|
| 06/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 04/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 03/05/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 03/05/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Referral |
|
|
|
| 02/24/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
|
| 01/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 11/18/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 11/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 10/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 09/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 09/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Fax |
|
|
|
| 07/27/2020 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 06/08/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 05/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 05/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Servicemember |
|
|
| 02/29/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
|
| 01/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 10/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 10/15/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/12/2019 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 07/17/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
|
| 07/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/06/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 05/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/27/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 03/20/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 03/06/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 11/26/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Postal mail |
|
|
|
| 10/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 10/20/2018 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 09/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 08/27/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 08/01/2018 |
Yes |
|
|
|
Web |
|
|
|
| 06/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 05/11/2018 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 11/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 11/28/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 10/18/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Referral |
Servicemember |
|
|
| 09/22/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Referral |
|
|
|
| 08/22/2017 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 07/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 06/21/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Postal mail |
|
|
|
| 04/04/2017 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 03/30/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 02/02/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 01/25/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 12/01/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/26/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Phone |
Older American, Servicemember |
|
|
| 10/13/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Phone |
Servicemember |
|
|
| 09/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 08/31/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 08/10/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 07/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 07/01/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Phone |
|
|
|
| 06/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/20/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 09/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 09/15/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Postal mail |
|
|
|
| 07/25/2015 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 05/22/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 02/13/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
Older American |
|
|
| 01/28/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 11/10/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 08/27/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
Servicemember |
|
|
| 08/18/2014 |
Yes |
|
- Settlement process and costs
|
|
Postal mail |
|
|
|
| 07/16/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 05/21/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 05/17/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 04/09/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 03/19/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 03/06/2014 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 01/27/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 08/27/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 07/09/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/25/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
Servicemember |
|
|