Consumer complaint received 2019-07-17
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, I decided I wanted to buy a house. I applied with Loan Depot and was approved for the VHDA Loan. I found a house on XX/XX/XXXX and a contract was put on the house at XXXX XXXX XXXX , XXXX, VA XXXX. I was given the choice to close on XX/XX/XXXX or XX/XX/XXXX. I chose XX/XX/XXXX because I didn't want added stress and wanted time to get everything completed without being rushed. We got the house inspection the first week of XXXX and I paid my EOD on XX/XX/XXXX. I didn't hear anything from Loan Depot until XX/XX/XXXX where I filled out more paperwork and submitted the " conditions '' they requested for this loan. I was notified on Friday, XX/XX/XXXX ( 5 days before my closing date ) that I needed to complete a VHDA certification and they needed it asap. So, while I was at work, I completed the VHDA certification ( about 1 hour ) and submitted more " conditions. '' Needless to say, closing came and went. I told them I had to be out of my house on XX/XX/XXXX because it had been rented ( which is another reason I gave them 8 weeks to do what they needed to do ). When closing came and went, I no longer received updates, apologies, nothing. I moved out of my house on XX/XX/XXXX - moving all I owned to a storage facility, put my dogs in Kennels and my daughters and I stayed with friends, where I had to drive an additional 30 min each way and keep our clothes in my XXXX. On XX/XX/XXXX I contacted XXXX XXXX with XXXX XXXX and the same day, I received a turned down letter from Loan Depot, stating that VHDA turned me down due to debt to income ratio. XXXX was able to approve the loan with VHDA ( so they obviously lied ) and I closed on XX/XX/XXXX ( 7 working days ). I received a call from Loan Depot 's attorney on XXXX stating they can offer me XXXX but want me to sign a document that states I will not blast them of XXXX or talk about them in a negative way. I declined the offer and asked that they mail me all the documents I submitted to Loan Depot. I told them that the facts are : My closing date for XXXX XXXX was Friday, XX/XX/XXXX @ XXXX XXXX the new lender took 7 working days to get this loan approved for closing Loan Depot couldnt get it done in 8, almost 9 weeks. 

The interest accrued on this house as of XX/XX/XXXX is {$2100.00} Kennel fees of {$300.00} was for the weekend for XXXX dogs, not for 2 weeks Over {$1500.00} in kennel fees Storage Fees {$800.00} Food I had to throw away because I had no refrigerator to put it in {$400.00} Time missed at work for last minute document submittals and VHDA Certification ( 2 days ), not counting the days I took off in advance to move {$500.00} ( and this in generous ) Professional movers {$1200.00} Inconvenience of staying with friends and driving an additional 30 minutes each way to work every day while XXXX   awaiting approval of the loan I was qualified for to clear for closing : {$1000.00} Total : {$7500.00} I asked them to write me a check for the above amount ( even though the movers were actually {$1300.00} ) and I would sign the document and they would never hear from me again. they declined. So, I am contacting you. 

This was a total nightmare. I was left in limbo, not knowing if I would have a home or not. They dropped the ball on this entire process, yet, I was the one suffering. Both daughters and myself were left literally XXXX with nothing but what I could fit in my XXXX  for 12 days. They did not take responsibility and the offer they gave for {$2300.00} was disappointing at least. I had to move by belongings twice - for anyone who has moved, you realize how stressful it is. I have never been so stressed out in my entire life. I received no apologies, nothing. It is terrible and from what I've been told this has happened to may people. This has to stop. Its not okay to mess with a persons life in this way. 

I look forward to hearing from you and hope you have a great day! 

XXXX XXXX XXXX

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