Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: 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
Company: Movement Mortgage LLC
State: NC

Complaint narrative:
My mortgage loan is serviced by XXXX XXXX XXXX, with Movement Mortgage as the lender/loan owner. My property was rendered uninhabitable due to severe flooding associated with a federally recognized disaster- XXXX XXXX . Following the flood, I properly updated my mailing address with the servicer. Despite having correct address information on file, XXXX continued sending required earlyintervention and foreclosurerelated notices to my former flooded property, which was uninhabitable and had no functional mailbox. Due to this failure, I did not receive legally required servicing notices and was deprived of a meaningful opportunity to respond or pursue appropriate lossmitigation options. I only became aware of these notices and related foreclosure activity after proactively contacting XXXX. After I learned that my home was in foreclosure.This represents a serious servicing failure involving defective notice and improper handling of a disasterimpacted mortgage account. Since that time, XXXX has repeatedly placed me into shortterm forbearance programs, despite knowing : The home is uninhabitable due to flooding Flood insurance proceeds were issued The property has been approved for government acquisition Repairs are not feasible or proceeding Shortterm forbearance guarantees recurring default At the same time, XXXX continues to retain flood insurance proceeds and has not released the funds, applied them to the loan, or offered a durable disasterspecific resolution. Instead, foreclosure risk resumes at the conclusion of each shortterm forbearance, creating an unavoidable cycle of delinquency and foreclosure driven by servicing practices rather than borrower conduct. I believe XXXX, and by extension Movement Mortgage, have engaged in servicing errors and unfair practices, including : Failure to deliver required servicing and foreclosure notices to the correct mailing address Initiating or advancing foreclosure activity despite defective notice Inadequate disasterrelated servicing and lossmitigation handling Repeated use of shortterm forbearance in lieu of meaningful relief Retention of flood insurance proceeds without resolution while blocking reasonable mitigation Failure to reasonably account for a pending, governmentapproved property acquisition outside the borrowers control These actions have caused unnecessary financial harm, prolonged hardship, and ongoing credit damage following a totalloss disaster for which I bear no fault. What I Want the Company to Do I am requesting that XXXX and Movement Mortgage : Conduct an immediate, documented review of all servicing actions, including address records and notice delivery Acknowledge and correct the misdelivery of required servicing and foreclosure notices Place an immediate and formal hold on any foreclosure activity pending full resolution Provide a complete written accounting and status of all flood insurance proceeds held Offer appropriate longterm, disasterspecific relief or a reasonable alternative application of insurance funds Confirm how their servicing actions comply with federal disasterrelated servicing obligations Additional Information The flooding occurred during a federally declared disaster Local Emergency Management has approved the property for government acquisition, with an extended timeline outside my control I have submitted a formal RESPA Notice of Error and Request for Information to ServiceMac regarding these matters

Company response to consumer: Closed with explanation