Consumer complaint received 2023-04-17
Company: LD Holdings Group, LLC
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Loan started out on out on XX/XX/XXXX at {$180000.00}. Monthly payments was {$1300.00} at 3.25 % interest XX/XX/XXXX. We started a deferment until XX/XX/XXXX of XXXX. It was an 18 month deferment it was to be no late payments to be applied and it would be put at the end of our loan by a VA guarantee the VA paid {$24000.00}. I had an escrow payments I made of {$15000.00} with a total of {$40000.00} that was paid to the mortgage company for XXXX. 

My first error that I find it says that my outstanding balance at the beginning of the deferment is {$170000.00}. This is wrong I had made payments for XXXX XXXX, XXXX, XXXX, and XXXX according to the amortization schedule, it shouldve been {$170000.00} Since they wont give me all my bank statements prior to this claiming that it is with another company the first statement that I have is XX/XX/XXXX says that I period year today {$8300.00}. So if my loan started at XXXX add - {$8300.00}, does that mean that I still owe {$170000.00} error according to the statement was claimed that I only paid {$1700.00} since the beginning of my loan, my next of evidence is the amortization schedule shows my outstanding balance for XXXX to be {$170000.00} which should be accurate what is not accurate on their statements, so this is 18 months of statements and accurate, which is a total so far of 22 errors then I want to go to the customers activity statement over 80 errors they do not do their math properly when they say that a payment has been made, they dont subtract it theres so many errors to point out on that its ridiculous. So far I found 102 errors. 

Next document is the modification asset plan terms. Of course it starts out with the wrong amount clients that my payments were {$1400.00} when every single month they said my payments was {$1300.00} again this is errors and then every single month they sent me where they were put my payments into an escrow account instead of applying it to my mortgage which is fraud, which is an additional 11 months of errors and we are at 117 errors so far then Ive seen that XXXX they received {$40000.00} that was paid for XXXX with the VA loan my money that was in escrow but still claim that I owe {$160000.00} my balance should be way less unless they are charging fees according to the deferment I was 18 months at {$1300.00} payments I wouldve only owed {$24000.00}. They put this va partial payment as a late charge!! Where are they getting {$40000.00} I see mortgage fraud all over my documents. 

Then in XX/XX/XXXX I called to make my payment they refused to take my payment. I was told three times I did not have to make a XXXX payment because of the money that had been paid. It paid for my XXXX payment and now theyre claiming that I am XXXX  months behind which is again six more errors for each month that they lie on my mortgage statement claiming that I did not make a payment when I have made every single payment XXXX, XXXX, and XXXX And asked to pay my XXXX was told and recorded it that I did not need to pay XXXX. They have made the errors not me and it needs to be taken care of or I need to sue them for mortgage fraud. 

I have found over 125 errors myself cording to the law every error that I find is a $ XXXX {$4000.00} fine I expect this to be looked over and taken care of immediately

Company response to consumer: Closed with explanation