Consumer complaint received 2018-11-27
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband XXXX XXXX passed away in XXXX and I have been struggling with bills and the mortgage since that time. I have been able to maintain for the most part but it has been a struggle to provide for my children as well as our mortgage & monthly bills. I have been behind on the mortgage before but I have always managed to pay back what I owed. I just within the past 4 months fell behind on the mortgage and can not bring it current quick enough. I am surprised how quick my lender is foreclosing on me and my family, this is making it really hard for me and my family right now. We want a chance to make it right. At this time our lender has a complete package for our workout option. The current sale date on our home is set for XX/XX/XXXX ( 10  days ), right in the middle of XXXX time. 

A quick overview of our contact with my lender : We originally applied for Modification earlier this year to try to make our payments more affordable, and we had to prove my ownership because I am on title as owner, but not on the loan, due to my husband passing away they needed me to show ownership so I did. Fast forward to now : The successor department said we needed to resubmit a package claiming proof of ownership ( already submitted ) this was not a document we could obtain online, they had to mail it to my home, we spoke to them on XX/XX/XXXX and that they would send this package, we still have not received it as of XX/XX/XXXX. We have continued calling in to Loan depot but have received mixed information regarding what to do and what is needed. Loan depot did not give us a chance to receive the package nor do we think they sent one as they said on XX/XX/XXXX, Loan Depot filed a foreclosure sale date on XX/XX/XXXX. At this time the Successor Department at loan depot will not speak with my representative on this saying that it would take a week to process. This seems like very shady lending practices, I have lived here 2 years since my husband passed and for the most part managed to pay on time, I am on title, I receive his pension, Loan Depot continues to collect the mortgage payment up until recently, but because of an admin issue on their end they are willing to foreclose on a widow of a military veteran and his family during XXXX time, this is not right! 

In recent months since a notice of default was filed I have not been able to speak with Loan Depot about my loan nor could my representative. My representative had spoken to Loan Depot in the past months previous to the notice of default filing, we are wondering what has been changed? We can only think that Loan Depot sees  value in my home and wants to accelerate a foreclosure on my home. This is not right, especially given the circumstances. Please help us postpone the sale date so we can have the time needed for a work out option and to make it right with Loan Depot, our lender. 

A list of some of the representatives we spoke with : XX/XX/XXXX Ms. XXXX # XXXX XX/XX/XXXX Mr. XXXX # XXXX XX/XX/XXXX XXXX & Ms XXXX # XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX Ms XXXX # XXXX ( Most helpful & was pleasant as most others were ) XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX Ms XXXX # XXXX ( per representative : Most Rude, talked over you, If I talked she would talk over and  would not transfer to a manager, Hung up on the call ) PLEASE HELP!!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation