Consumer complaint received 2025-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Movement Mortgage LLC
State: GA

Complaint narrative:
In XX/XX/XXXX I obtained a mortgage originated by Movement Mortgage, handled by loan XXXX XXXX XXXX and processor XXXX XXXX was my realtor. To close, I was told since my landlord would not do the rental history the only option was a {$1000.00} landlord payoff was required and it was a gift to me to give to her so we could close-, but that amount was not disclosed on the Closing Disclosure. I later learned this payment was concealed and/or mischaracterized because XXXX said XXXX both her and XXXX could XXXX their jobs if I ever said something and they would take my house because Movement Mortgage - XXXX XXXX gave her the money to give me to pay the landlord for a positive rental History. I told them she was lying nd I gave them all the proof- but XXXX said he would fix it because the underwriter was his friend and they would push it through. 

My race/ethnicity was falsely recorded on my loan application as XXXX, although I identify as XXXX XXXX and my government records do not list me as XXXX. This was not discussed with me and I did not consent to it. Misstating protected-class information is serious and affected how I was treated. XXXX lied and said he met with me in person for my loan application but he never did- I had never seen XXXX till the day of closing- And he told me so many lies about the mortgage and I told him I would not afford that amount and he told me after a few payments the second mortgage would go away due to a HUD Program which was only a XXXX  mortgage through XXXX a subsidiary of XXXX. He spoke to me XXXX time since then and said he would fix it and he had to wait on upper management to fix it. He never answered a e-mail or phone call since. and said it was just a clerical error. They said that when he saw my license it said I was XXXX and no where on my ID does it say that. 

After closing, servicing transferred among XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and a few others. I did not receive required/clear transfer notices and experienced misapplied payments and unexplained balance increases ( about {$13000.00} ). When I disputed these issues in writing and asked for a full accounting, the responses were inadequate or ignored. 

Despite ongoing disputes and evidence of origination irregularities, XXXX XXXX XXXX XXXX initiated foreclosure. A foreclosure sale is scheduled for XX/XX/XXXX. I have filed a Temporary Restraining Order ( XXXX  ) in XXXX XXXX XXXX XXXX to prevent the sale while these violations are investigated. Along with being forced to file bankruptcy Laws I believe were violated : TILA/Reg Z material fee/amount not accurately disclosed ( the {$1000.00} payoff ) ; Closing Disclosure defects. 

RESPA/Reg X inadequate transfer notices ; failure to properly respond to written disputes/Requests for Information ; potential unearned fee/inducement. 

CFPB mortgage servicing rules ( 12 C.F.R. 1024 & 1026 ) payment misapplication ; inadequate notice ; potential dual-tracking. 

XXXX misrepresentation promises about HUD covering early payments/forgiving a second mortgage that were untrue. 

XXXX false XXXX designation and disparate treatment. 

FDCPA ( as applicable to collectors ) attempting to collect inaccurate amounts. 

UDAAP unfair, deceptive, and abusive acts across origination and servicing. 

Harm : I am facing loss of my home, severe stress, and economic damages caused by undisclosed fees, inflated balances, derogatory credit impacts, and foreclosure activity during unresolved disputes. 

Key people/companies : Movement Mortgage , LLC XXXX XXXX ) ; XXXX XXXX XXXX XXXX ) ; XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX ) ; XXXX XXXX XXXX XXXX  and XXXX XXXX  XXXX XXXX XXXX ) ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ).

Company response to consumer: Closed with explanation