Consumer complaint received 2024-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Movement Mortgage LLC
State: PA

Complaint narrative:
When the closing disclosures arrived The date issued was XX/XX/XXXX The closing date was XX/XX/XXXX The documents were fraudulent they did not have a signature, no liens were present and the amount was overstated from the original amount requested of {$300000.00} to {$390000.00} and it was not signed. Pennsylvania Lock-in agreement never seen before agreed to it or signed it fraudulent as well. The Changed Circumstance Letter dated XX/XX/XXXX was fraudulent I have not had any change of circumstance I never saw this document or had knowledge of it. The date that I closed and settled the loan was XX/XX/XXXX. I accused the loan officers and the title settlement company committed the crime of 18 u.s.c. 656-657. 801 embezzlement misapplication. I accuse the loan officers and the title agents of 18 PA C.S.3922 Theft by deception and withholding information. I accuse the loan officers of 18 u.s.c. 215 A 2. 801 Corrupt Bank Officers. I accuse The loan officers and the title agents of 18.u.s.c.1005 and 1006. 817 false entries and 821 False entries and I accuse the loan officers and title agents of 18 u.s.c. 1344. 825 Bank fraud. I approached movement mortgage as they were referred to me by my Loan Officer XXXX XXXX at XXXX XXXX XXXX. On XX/XX/XXXX a XXXX  XXXX trustee for the XXXX XXXX courts in Pa passed the motion for relief that was requested by XXXX XXXX for XXXX XXXX XXXX  who purchased the liens from XXXX XXXX The last statements XXXX XXXX sent in XX/XX/XXXX had a total of {$300000.00} the same amount show in XX/XX/XXXX motion and when I requested to purchase the liens from the bank the court ordered total amount was the same on XX/XX/XXXX. XXXX XXXX gave me a full commitment within a week of my request for a Loan amount of {$300000.00}. I requested that my parents the sellers request a stay of execution of the sheriff sale date XX/XX/XXXX. The attorney was the owner himself of the XXXX XXXX XXXX. XXXX communicated with the courts and the attorney XXXX XXXX who represented the bank 's position. XXXX Spoke with loan officer XXXX XXXX of XXXX XXXX and gave him the total amount owed mentioned above and the 3 tax liens totaling less than {$3000.00}. XXXX XXXX then contacted me and said XXXX XXXX XXXX you only pay the first position lien and if you like we can negotiate the tax liens. XXXX XXXX committed with a corporate approval pending the appraisal and the appraisal department seemed to be taking too much time to send out an appraiser. attorney XXXX XXXX motioned a stay of execution and when it was granted we got more than what we expected 60 days rather than 30 days. We called XXXX XXXX loan officer at Movement Mortgage on XX/XX/XXXX and asked if he could close a loan within 30 days sent him the full commitment from XXXX XXXX all the necessary information and gave him the Amount of {$300000.00} and {$3000.00} was expected in the tax liens the same information that was later given to the Title company XXXX XXXX XXXX settlement company located in XXXX Pa XXXX miles from my home and was selected by the loan officer assist XXXX XXXX. XXXX XXXX XXXX  was hired on XX/XX/XXXX on XX/XX/XXXX the appraisal was ordered and paid the amount was {$650000.00} for a Loan of {$300000.00} by XX/XX/XXXX XXXX XXXX had met his promise of being able to get a bank commitment and closed within what he promised 30 days. On XX/XX/XXXX I spoke with attorney XXXX XXXX and he was pleased to hear that the appraisal had been completed we passed XXXX XXXX now we expect to be closing within a week. More than a month passed on XX/XX/XXXX Attorney XXXX  XXXX spoke with XXXX XXXX about the finances XXXX requested that we extend the motion to stay from the XX/XX/XXXX 60 day deadline to the XX/XX/XXXX deadline of the sheriff sale date. On XX/XX/XXXX it was granted and XXXX XXXX presented me with a change of circumstance Letter that is when the problems began because the Title escrow agent XXXX XXXX said that she was going to provide a pre-title report to the seller and me the buyer which was requested on ) XX/XX/XXXX when the change of circumstance was requested. We came to Movement Mortgage and asked if XXXX XXXX could close a loan within 30 days he promised he could and we passed the appraisal date of XX/XX/XXXX so we knew we had already quilfied for the loan. Then the title company said that there was a {$44000.00} second position lien and an attorney fee from XXXX XXXX owing attorney XXXX XXXX his previous bankruptcy attorney of $ XXXX.Then they added a lien that was submitted after the 30 days had they done their job correctly. This lien was from XXXX 's Business and had nothing to do with his wife XXXX XXXX the lien said it was XXXX XXXX XXXX XXXX and XXXX XXXX no social security numbers attached and XXXX 's name was my mother 's name, not XXXX. XXXX XXXX loan assistant of XXXX XXXX said we had to pay that lien as well so the sellers my XXXX XXXX  Parents asked for the pre-title report none was disclosed non of the lien amounts were disclosed on any documents my last settlement documents showed no lien on XXXX XXXX XX/XX/XXXX the next documents that were issued to the bank XXXX XXXX closing XXXX closing those were the last documents submitted to the bank showing a loan amount of {$390000.00}. When XXXX XXXX and XXXX XXXX submitted those as the final closing documents that the lender had on file. When on XX/XX/XXXX Friday at XXXX a final closing disclosure went out email for a Monday XXXX XXXX  closing. This document finally had these figures that were talked about with a second position lien that was {$44000.00} plus a {$1000.00} advanced corporate cushion on a Fake document that said this was not an attempt to collect a debt once I received the Document the day after closing. Then Finally on XX/XX/XXXX, The XXXX combined the totals with all the charges. The first position lien that was court-ordered to pay on XX/XX/XXXX was reassessed on XX/XX/XXXX for {$300000.00} and was raised to $ XXXX XXXX was told by myself, XXXX XXXX, and attorney XXXX XXXX the court-ordered amount was {$300.00} and {$3000.00} tax liens. No pre-title report was given to the XXXX  Parents who were the victims of Movement Mortgage XXXX XXXX and XXXX XXXX. The promise to review and give the pre-title report disclosing title information that XXXX Promised to do and give to the sellers was withheld. The loan was extended on purpose when XXXX XXXX told me on XX/XX/XXXX that a new loan underwriter was assigned and that we had to start the whole loan process again. I feel that they allowed the original loan to expire over 30 days so they could resubmit a loan application with a fake second lien withhold a pre-title report and blind the elderly recently passed XXXX XXXX. The owner and attorney of XXXX XXXX XXXX wrote the checks XXXX XXXX XXXX is the 4th member of this organized crime with the theft by deception and the withholding of information that would have affected the judgment of the transaction if the information was disclosed rather than withheld.They misapplication funds to the benefit of profit the corrupt Bank Officer committed Bank Fraud by false entry and deception and refused to allow me my choice for title closing and compiled the fee 's fake 2nd lien to a {$300000.00} which is true and correct I would not have purchased this property had it been more than my comfort level. They refused to allow me to waive escrow They forged my name and closed the loan on XX/XX/XXXX charging me the difference and profiting from the theft by deception. I spoke with the Vice president of Movement Mortgage he said it's a title company problem. I complained to the servicing department and I recently asked the insurance department and the servicing department to send me the pre-title report that the received and to send the XXXX letter head XXXX  XXXX title insurance and both times the insurance department said they sent the document email and have not. The two times I asked customer service to send the pre-title information and the combined totals of settlement on XXXX XXXX they said they sent it by email. I called back and gave another email address That was 3 times I requested the documents denied denied denied. Now I wish to have criminal charges made the PA State police criminal incident number is XXXX  XXXX the Federal Trade Commission is XXXX. The documents I will send once the district attorney see 's and copies them. I wish to pursue criminal charges.

Company response to consumer: Closed with explanation