Consumer complaint received 2023-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (FL)

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