Consumer complaint received 2023-05-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

I was in a forbearance for a year from ( XXXX ). When it ended they asked me what I wanted to do and gave me choices. I went for remodification. I was with Loan depot NJ location. They messed all my paper work up told me my payment would be XXXX a month from XXXX then told me to file again. It was now beginning of XX/XX/XXXX. They moved to TX location and I was told they sent everything well they didn't. I had to start over again. During this process I was XXXX and injured at XXXX airport I am a XXXX XXXX. I was off work for months but still had no answer on the modification. They would not let me make payments. Then I'm XXXX when I was not disoriented from my XXXX XXXX I contacted LD again I spoke with a Superviser who stated I could start making payments and he would escalate my paperwork. In XX/XX/XXXX they finally sent my paperwork for the modification. At that time my house was a crime scene because it was XXXX 9 times they were trying to XXXX  my neighbors house and did mine instead. When I was able to go in the house I got the paperwork and called ti have it explained. The lady was rude and said your loan is not going ti end your payment is XXXX. I said why is that I was told XXXX. She then said she would have a Superviser contact me. Which they never did. I called gain in 72 hrs and they explained that it went up because of the market and property taxes. I said ok I will sign. They said it was too late and I had to start over. so XX/XX/XXXX I turned in my paperwork for the 4th time. In XXXX they finally reported ti my credit and said I was late. I called them and was give to a Advocate by the name of XXXX XXXX. She promised she would fix this and looked at every phone call and email and said it was unacceptable what was happening. She escalated my paperwork and said I was denied for the partial claim and did I want to do the remodification which I said yes. I had to talk to my Superviser XXXX which I did and told her I wanted to do the remodification. She said I could of told anyone that I told her I was advised in a email by XXXX to call her. A few weeks later a lawyer contact me and says do I need help with my foreclosure I said, I'm sorry you have the wrong person. He said no I'm looking your house is up for default. I immediately contacted XXXX again who now ghosted me. I tried to contact her for weeks with no response emails and phone calls and voicemails. The last email I had from her was stating that all credit reporting history will be stopped and that they would fix my credit report once the modification started. I then contacted another supervisor who is her supervisor, by the name of XXXX, he made me send all my emails to him and said that this would be escalated I had to restart again on another application for a modification who I have been told this has been escalated. It has now been two weeks and still no response. I was told the paperwork is in and the underwriters have Meanwhile the default was supposed to be lifted. It is still there. I have contacted HUD and the VA I have a representative from both. They quit letting me make payments in XXXX and when I spoke to someone in XXXX they told me that I was a post to still make these payments. I told him I try but they wouldn't let me. He said that is untrue, so I called back to make my payments from XXXX to XXXX, they wouldn't except it and told me I had to pay the full balance. They are enabling me to do anything if the forbearance was put to the end of the loan like they promised, I would owe under XXXXXXXX XXXX  which would let me get money from the state. The state denied me because they said I owed over XXXX XXXX. Also, because they have put this on my credit report, I can't even get a loan to pay this. There's nothing I can do. They have my hands tied and continue to throw me under the bus and not help me. I have been given many broken promises. If they would've did what they were supposed to the forbearance would've went to the end of the loan and I would've been able to start my payments over and we would not be in the situation. They blame it on the New Jersey location, but they are just as bad actually worse I am a veteran, and a XXXX XXXX who have had a lot of bad things happened to me in the last two years that people wouldn't of had an a lifetime. During the year of forbearance I took, I was taking care of family members and my father in another state, who eventually passed away from XXXX, and I had XXXX  and long term XXXX. I then went back to work and was able to start making payments which they wouldn't allow me to do and then that's when the tragedy in XXXX XXXX happen then in XXXX the XXXX  this is all verified you can look on the news and see it all I need is someone to finish my paperwork so I can do my modification and save my house and remove these things from my credit report as promised I worked very hard for my credit and this is ruining it. Please help there is also much more and I have all the phone calls and emails documented and every single person that I've talk to you through this entire time. Thank you.