Consumer complaint received 2024-12-06 00:00:00
Product: Mortgage — USDA 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: TX

Complaint narrative:
A CSR for movement mortgage led me to believe at the end of XX/XX/XXXX that I could apply for loss mitigation assistance because movement does not want to foreclose on your home. I was led to believe that since I was newly employed, I could file this paperwork and have a modification of my loan done to add the missed payments to the end of my loan. This sounded great. Unfortunately that has not been the case. I had to track down someone from loss mitigation when the only options given were a short sale or deed in lieu a whole month later just about. They have been very non compliant as in no resources or helpful insight whatsoever. I have grown incredibly XXXX and XXXX  in dealing with this matter from their lack of compassion and help. I understand the circumstances bestowed upon me are not their fault but for someone to get an home through them and making active payments for XXXX and a half to XXXX years and receive no leniency whatsoever is absurd. They will not take a partial payment and they do not want to talk to me unless I have the full amount of the default. They said they are doing an accelerated foreclosure on XX/XX/XXXX. I dont even know what accelerated means at all and I can not contact them because every time I do I get a different representative interrogating me like they are the police about why this has happened. I have repeated my situation several times and have also written XXXX letters, both sent in XXXX for the loss mitigation request and for the appeal of their options. I have no interest in repeating this traumatic experience over and over again to a stranger when everything is in my file. If they were that curious to know why, put me on hold briefly and skim through. I have yet to hear back from the appeal and I sent that out on XX/XX/XXXX. I understand they have XXXX days but by the time thats up, my house is about to be gone. They have been incredibly hard to deal with, literally unbearable. My most recent letter stating the default stated to call them because WE WANT TO HELP YOU is in all caps when clearly that has not been the case. I wouldnt recommend them to anyone ever based upon my dealings with this foreclosure. The way they have unprofessionally handled my claim, story, etc is enough to put anyone into an early grave. I now am in more deep water due to trying to solve this situation and running around like a crazy person. I put my blood, sweat, and tears into that house and for them to just not care has been a hard lesson learned. If I had the money to give them, they could have it!! No human decency, just money hungry corporate greed thiefs. So glad to have paid all that money down and make CONSISTENT payments for the last XXXX and a half years to fall on hard times and it fall on deaf ears. It is absolutely wonderful to be me right now. Merry Christmas. 

Also I should mention that once I filed the loss mitigation paperwork, I never heard from my claims examiner directly. She or he sent several incomplete application emails to me, wasting precious time, when my application was complete in full. I had several different CSRs confirm that. You can not talk to them directly nor will they send you an email to tell you anything directly. Just basic copy and paste ones. All my files were on the website, they didnt click through them which tells me they werent doing their job appropriately as all the information they needed was there, had they looked. 


Im a single mom doing my best to save my home for my kids. Give me a break please.

Company response to consumer: Closed with explanation