Consumer complaint received 2019-08-12
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The Consumer Financial Protection Bureau claim XXXX, date not available per CFPB Website complaint. I feel the CFPB closed my complaint on wrongful grounds and I wish to pursue my claim. 
Loan Depot wrote a loan after their title company XXXX XXXX wrote a loan to XXXX XXXX XXXX XXXX of XXXX XXXX, Connecticut approximately XXXX/XXXX of XXXX. The loan was for {$170000.00} against a property which was completely paid for without investigating me being a 1/2 interest owner or contacting me for approval. I was served a Summons approximately XX/XX/XXXX signed for by U.S. Mail to appear. Ms XXXX XXXX filed a Foreclosure proceeding on XXXX XXXX XXXX, XXXX XXXX, CT. I was given 17 Days, being a XXXX   XXXX Veteran with XXXX   XXXX Injuries whom could barely walk, also having next to no funds available to get an attorney. I attempted to call XXXX XXXX, at the Law firm of XXXX XXXX XXXX XXXX and inquired about the summons, she told me in so many words when she was through I would have nothing. I hung up from the telephone call, with I can see I need to find an attorney. 
The Case is XXXX in the XXXX XXXX, CT Superior Court.  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX an attorney of XXXX XXXX XXXX XXXX, whom represented Loan Depot went after me slandering me etc after stipulating in Count two of their complaint, to steel my half interest away in attempt to cover their Illegal Loan Transaction to XXXX XXXX XXXX XXXX. 
I hired an attorney whom wrote these two e-mails to Connecticut State Attorney Generals Office, XXXX XXXX, Associate Financial Examiner, Dept of Banking, Consumer Affairs Unit, and Toll Free : XXXX, extension XXXX. 
______________________________________________________________________ From : XXXX XXXX XXXX, XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX XXXX ' XXXX ; XXXX XXXX XXXX Subject : XXXX XXXX v. Loan Depot Dear Ms. XXXX : This law firm represents XXXX XXXX in the defense of the foreclosure action fraudulently brought against him by Loan Depot and his counterclaim for damages interposed by me in that action on his behalf. 
I am available to speak to you if necessary about this matter. 
XXXX is the victim of banking fraud perpetrated against him by Loan Depot. 
I have explained to counsel for the bank what their client has done and continues to do with respect to the unlawful actions of their client without any success. 
My requests to them for a withdrawal for the fraudulent and wrong foreclosure against XXXX undivided one half interest in the subject property has been ignored resulting in my client incurring unnecessary legal fees to defend this unlawful foreclosure action against him. 
I will provide you with any information you need to assist XXXX in his complaint that he has filed with your state agency. 
Sincerely, XXXX XXXX XXXX, XXXX. 
-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX, XXXX XXXX Date : Wed, XX/XX/XXXX at XXXX XXXX  Subject : RE : XXXX XXXX v. Loan Depot To : XXXX, XXXX XXXX Cc : XXXX XXXX XXXX Ms XXXX : The property was NOT XXXX principal residence. He resides in California. 
XXXX can correct me if I am wrong but he may have inherited the house from his parents along with his two brothers. 
At one time the other brother who is not involved in the lawsuit or this transaction transferred his interest, if I recall correctly. I would have to review the title search to confirm that. 
To the best of our knowledge and belief the late XXXX XXXX, his brother, who died several weeks ago, was residing there with his wife, who is also named as a defendant in the foreclosure action. 
I can provide you with the judicial case number and you can print from the judicial website all of the pleadings and filings in the pending action. 
I have been practicing law for over 40 years and this ranks at the top of the list of egregious lending practices I have ever seen from a bank or lending company. 
How and why they did not have an attorney conduct a physical closing in which the parties gave identification and signatures were verified is not how closings are conducted here in CT and I have been doing real estate work and doing closings for all of these years. I am a member of XXXX and write policies through them for the closings I perform for individuals and banks. 
The allegations of the lawsuit against XXXX are completely false which is one reason why I have issued a counterclaim for damages. XXXX, etc. violations in my opinion. 
I am willing to send you copies of my correspondence with other counsel if you request same. 
XXXX XXXX XXXX, XXXX. 

Loan DEPOT with their affiliate XXXX XXXX have probably done this more than once. 
I feel the CFCB has failed to review the State of Connecticuts Judiciary Docket # XXXX in XXXX XXXX. For Loan Depot admitting mistake in the complaint they failed deeply to act civil in any manner after the fact. 

The CFPB has taken the word of Loan Depot claiming theyd act in good faith by posting in their response to contact For additional questions or concerns, please contact XXXX XXXX, SVP of XXXX XXXX, at ( XXXX ) XXXX ext. XXXX or XXXX. 
TOTAL XXXX in my opinion. 
The Bank has created Damages beyond which Im unable to take such a loss. What I dont understand is why CFPB hasnt engaged filing legal charges or revoking the persons license whom signed off the title so it would go to loan. I been told from a Real Estate an agency which Agent in XXXX XXXX, CT that theyve put people in jail in Connecticut for this. CFPB if you cant or wont do anything regarding me being treated and compensated for my property and losses, please point me to an agency which can or must I begin sending my complete story to The Media. 
Respectfully, -XXXX XXXX XXXX I've attached 2 PDF Documents to my complaint, neither of them show up. 
How do I send for review with my file?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation