Consumer complaint received 2021-03-11
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I did the forbearance program for the months of XXXX, XXXX and XXXX of XXXX. During this time I paid what I could in order to not have a full three months to catch up or a lump sum due etc. I sent in 3 payments during this period. One was in the amount of {$600.00}, one in the amount of {$400.00} and the third payment was in the amount of {$1200.00}. This equals a total of {$2200.00} over the three months that I sent the mortgage company. Before the end of XX/XX/XXXX I started asking about what I need to do when the 3 months ended. During those months the monthly payment for the mortgage was {$1100.00}. So I am thinking 3 months of payments would equal {$3500.00} and I have sent in for those three months {$2200.00} and would leave me owing for the forbearance {$1300.00} Now my statements reflect that I have a defferred balance of {$4500.00} and I have been trying to find out why I have a defferred payment in this amount which is more than what the 3 months total mortgage payment would have been. This is an additional {$930.00} that is included with the total 3 months used for forbearance. I am trying to find out how I have what they show as a 2nd Mortgage which I just recently noticed on the home page of my acccount. I also am trying to find out where the {$2200.00} was applied that I paid during the forbearance. I then received my escrow analysis for the year and showed that to keep the mortgage at the current payment amount there was a small shortage. I sent in {$50.00} to bring the escrow up to desired shortage for the year. Now my payment has increased a small amount and when I send a message thru their secure messaging on my home page asking why the increase I have been told now twice it depends on a persons taxes and Insurance held for escrow. I told them both times that I have paid more to cover the escrow shortage so I don't understand the increase. When you call them you can't get thru and last time I attempted calling I was on hold for 50 some minutes and finally hung up. I have also been told to direct these messages to the email address of XXXX at which I have done twice now and no reply. I have been trying since XX/XX/XXXX to get answers and help. Bottom line - they are showing a second loan/mortgage that I knew nothing about, where the payments were applied of the {$2200.00} as it should have been applied towards those three months I was on forbearance, why payment increase if based on escrow and I paid the shortage upfront and where the additional {$930.00} came into play. I have copies of emails dated XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and finally the letter I sent thru the USPS XX/XX/XXXX asking for assistance in understanding all of the above issues. Now I am concerned that when I file my taxes this year that the year end statement I was sent reflects what they are saying and was in hope to get resolved prior to my sending in this years taxes. I will say that I have had 3 other mortgages prior to this one and Loan Depot has been horrible from the start with using a title company that sent a Notary to do paperwork with and then find out I have to redo all paperwork with an Atty and not being able to reach a live person to speak with. If my credit had not suffered because of the Pandemic I would refinance with another lender.

Company response to consumer: Closed with explanation