Consumer complaint received 2021-11-23
Company: Movement Mortgage LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
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.

Company response to consumer: Closed with explanation