Consumer complaint received 2021-08-05
Company: LD Holdings Group, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I work for XXXX XXXX XXXX XXXX, and due to a significant loss of income, I requested a forbearance - which ended in XX/XX/2021. Once I reached the end of my forbearance, I immediately contacted my loan Servicer, LoanDepot, and applied for a Partial Claim. I received my ( initial ) Partial Claim documents on XX/XX/2021, and my documents were received by my Loan Servicer on XX/XX/2021. On XX/XX/2021, I spoke with a LoanDepot Representative, Mr. XXXX, at XXXX XXXX ; regarding my Partial Claim. This Representative informed me that he shows the documentation was received by XXXX but is not updated in their system. I informed the Representative that I received an email stating that the documentation had not been received. This Representative informed me that XXXX shows that the documentation was delivered to Loss Mitigation on XX/XX/2021 - XXXX Tracking # : XXXX. On XX/XX/2021, I again contacted loanDepot regarding my Partial Claim status not being updated in my online account. The Representative sent an email to Loss Mitigation regarding, updating my account to reflect Partial Claim approval - XXXX Tracking # : XXXX. On XX/XX/2021, at approximately XXXX XXXX, I mailed, via XXXX, a ( new ) set of Partial Claim documents via XXXX On XX/XX/2021, I confirmed with XXXX that loanDepot received Partial Claim documents - Signed for by : XXXX XXXX. On XX/XX/2021, I spoke with Representative, XXXX, at LoanDepot, regarding the ( second ) Partial Claim. XXXX stated that the documents were not received by LoanDepot. On XX/XX/2021, I contacted XXXX to obtain Written Confirmation for receipt of Partial Claim documents - I confirmed with XXXX that these documents were received by LoanDepot documents on XX/XX/2021. On XX/XX/2021, I spoke with a Representative at loanDepot, agin regarding my Partial Claim status. This Representative informed me that the documents were received but reissued due to an error with Notary page. I explained to the Representative that Ive spoken with two other Representatives, and both times, I was not informed of this issue. The Representative stated that she would email Loss Mitigation outlining my explanation of the events that occurred and would forward me a ( new ) application for Partial Claim. I informed this Representative that each time there is an error, and information is not communicated to me, the Borrower, accurately, that the amount of my Partial Claim increases. The Representative informed me that she would mail me a new application. I asked to make a payment on my mortgage account ( for XXXX, XXXX ) and was informed by the Representative that I could not make a payment unless I remitted payment for the full balance on the account. 
This Representative instructed me to contact LoanDepot, in 7 business days, if I have not received the new application or heard from Loss Mitigation. On XX/XX/2021, I called LoanDepot, and spoke with Representative, XXXX XXXX. I explained the situation and details that have occurred since XXXXXXXX XXXX. I further explained to this Representative that I am still in possession of both duplicate sets of Partial Claim documents. This Representative informed me to call back mid-afternoon the following Monday if Id not heard back from her personally. 

Today is XX/XX/2021, I have contacted LoanDepot on several occasions since my last contact with a Representative on : XX/XX/2021. To date, I have not received an additional application, not have I received any correspondence from the Lender regarding my request to escalate this issue. 

As the Borrower, I have done everything within my power to rectify this issue, with no success. I fear foreclosure due to their incompetence - in addition to negative reporting to the credit bureaus. 

I would appreciate any assistance in rectifying this matter. 

Thank you.

Company response to consumer: Closed with explanation