Consumer complaint received 2018-04-20
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am filing a complaint about Loan Depot. I love in XXXX  Florida and was affected by Hurricane Irma. I had to make major home repairs that my home owners insurance did not cover. At the time Loan Depot was nice when I called about making the repairs and paying my mortgage. They offfered me a forbarance plan that began on 1XX/XX/XXXX to XX/XX/XXXX. Loan Depot said that my plan will end on XX/XX/XXXX and that I would be contacted to reasses my current circumstances and be given alternatives that may be availble to me. So, I stated making my regular mortgage payments starting on JXX/XX/XXXX. I have made my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments while they work on some kind of plan. I have sent them pages of documents, taxes, personal statements, pay check stubs ... etc. I call every week to check on the progress and during these past few months each time I all they need something else. In my forbearance letter it clearly states by Loan Depot that during the forebearance and loss mitigation process that they, and I quote, will not be reporting the delinquency status or the entry into a forebearance plan to credit reporting agencies. This was a lie as on XX/XX/XXXX Loan Depot reported that I am 60 days past due on my mortgage payments, on XX/XX/XXXX they reported to XXXX that I am 60 days past due, and on XX/XX/XXXX they reported to XXXX   that I am 60 days past due. On XX/XX/XXXX when I got an alert on my credit report I called Loan Depots loan servicing department and explained what happened. The person on the phone was a bit rude, and did tell me that she was sorry and that it was a mistake and they would fix it and stop the reporting. Well, that did not happen and on XX/XX/XXXX and XX/XX/XXXX Loan Depot continued to report late payments on the credit bureau sites. I have never been late with any payments, and just needed a three month break while I made home repairs. I am a widow and live in my house XXXX XXXX  and had to pay to get the repairs done. When I called about this issue, they also told me I need to start making XXXX a month payments for the next four months to catch up with the payments I missed during forebearance. I will pay this on XX/XX/XXXX, however Loan Depot has not sent me any kind of package as promised telling me this new payment schedule, and why I was not approved for a loan mitigation. At this point I just want to pay what I have to, however I want my credit report fixed. I have the letter Loan Depot sent that clearly states they would not report me to the credit bureaus. I need to do a new lease for my car and I know the car company will not approve a new lease with my credit score down now by 70 points. This is a horrible way to treat a customer, someone who lost their husband and then went through a hurricane. I am hoping CFPB can help me get this resolved as I am losing sleep that I will not quality for anything with my score so adversely affected.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief