Consumer complaint received 2020-01-10
Company: LD Holdings Group, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started my mortgage refinance with Loan Depot on XX/XX/XXXX. I did my closing on XX/XX/XXXX. Until that day of closing there were a lot of problem with final figures that I kept on reminding loan officer but he just ignored. On the day of closing I kept calling him and told him that a lot of these figures are not correct including the total payoff to my previous mortgage. Loan officer kept on telling me that even if we do an over payment to XXXX XXXX it will be returned back to me with my Escrow refund. Then the day of closing XX/XX/XXXX supervisor called me and told me its fine to do ahead with signing and they can amend the documents after closing is completed. I closed on XX/XX/XXXX and on pappers it said that XXXX  payoff date is XX/XX/XXXX. XXXX was not paid off until XX/XX/XXXX, during that time I kept on calling loan depot and closing USA ( loan depots title company ) for answers but they said that they will refund me money for all the delays. They sent the pay off on XX/XX/XXXX with a shortage that was covered by my escrow account with XXXX. Closing USA only refund me daily interest for the dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( $ XXXX {$150.00} ) and I was told by loan depot that all the rest of loss is my responsibility because that is basically what I agreed to when I over paid to XXXX. I contacted them numerous time to ask for explanation and every time I received a different answer but actually meant that they are not responsible. Nothing that they said make any sense because I have a lot of contradicting statements from loan depot one of them was that they send out 2 wires one on XX/XX/XXXX and the other on XX/XX/XXXX for the amount of XXXX and {$83.00} respectively. I have many proofs that the payment is sent out on XX/XX/XXXX for the amount of {$480000.00} and the rest was covered from my escrow. When there deception did not work then they said that they can send me the check for {$83.00} but I am still responsible for interest until XX/XX/XXXX. They forget that they only refunded me for 3 days of interest but its actually six days from XX/XX/XXXX to XX/XX/XXXX. 
We are not big banks here but already hurting consumers. If I would have known that I am promised for a pay off on XX/XX/XXXX but will be actually end up paying daily interest for 2 mortgage companies sanctimoniously for 10 days ( XX/XX/XXXX to XX/XX/XXXX and then XX/XX/XXXX to XX/XX/XXXX ) for the amount of $ XXXX XXXX to XXXX and $ XXXX to loan depot, I would have thought in advance about extra expanse. I requested to Loan depot many times to fix this issue but they seem very unconcerned about it. 
Again for a big bank {$500.00} may not be anything but for a lot of american families it is a lot of money. I may not be the only one going through this and there may be many out there like me whose daily mortgage interest may be overlapping during this long and tedious process of refinancing.

I demand a better oversight over these refinance practices to make sure that american families are not unknowingly bleeding money to corporate. I also demand my fair share to be refunded back as I was lured into beveling one thing by signing theses pay off dates of XX/XX/XXXX on our contract.

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