Consumer complaint received 2023-12-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: LD Holdings Group, LLC (NC)

The statements I have made and will make about the way I was treated by XXXX XXXX ( builder ) and XXXX XXXX  ( lender ) are true. I am stating what happened to me when I applied for a loan with XXXX XXXX  to purchase a home from XXXX XXXX. I have the right to state what happened to me, and my concerns without the fear or threat of being retaitaliation against or being subjected to additional intimidation and violations. 
I was discriminated against, my rights were violated, I was intimidated, harassed, and I was not treated equitably. There was no demarcation of the lender and builder, they acted as XXXX entity. My personal, private, and confidential information was breached by them. Now I must deal with all the horrors, stress, anguish, and lack of security of my personal, private information to include identifying banks, and balances etc. being compromised, this is not acceptable and should never have occurred. This treatment occurred because of my race, age, and marital status. 

I also have the right for these matters to be resolved by the laws, rules, and regulations that govern buying a home and obtaining a loan to purchase the home. I am requesting that my concerns be addressed and not just dismissed as they have been by the attorney representing XXXX XXXX and the Investigator for XXXX XXXX. I am requesting that the matters and violations be resolved to my satisfaction and resolved immediately. l did not give XXXX XXXX or XXXX XXXX  permission to violate any of my rights. I am willing to engage in a respectful discussion about what occurred to resolve these matters. 
The original closing date was XX/XX/2023, the closing date was changed to XX/XX/2023. The violations occurred before the contract was breached on XX/XX/2023. When XXXX XXXX asked if I agreed with changing the closing date from the original date, I stated to XXXX XXXX, during our telephone conversation on XX/XX/2023, that I was not in agreement with changing the closing date. This conversation occurred after I received an unusual telephone call from XXXX XXXX, my then Broker in Charge. They may have the right to change the closing date per the contract and keep my deposit, but they do not have the right to violate any of my rights and treat me in an inequitable way. 
On XX/XX/2023, XXXX XXXX  and XXXX XXXX breached my personal, confidential and private information, Reference : LoanDepot Approved with Conditions Loan # XXXX. The information included in the document was given to XXXX XXXX  over a secure portal. XXXX XXXX  authorized XXXX XXXX sending my private, personal, and confidential information in a non-secure email to people that I did not give my consent to have my personal, private and confidential information, this breach will have a lasting negative impact on me and my future. This was a disrespectful, blatant violation of my rights and my information has forever been compromised. This must be addressed and fixed, immediately. 

Prior to the breach of my information, on XX/XX/2023 XXXX XXXX informed me of the re-listing of the home. XXXX XXXX stated that XXXX of the reasons why the home was being relisted was because I did not meet the requirements of the loan. This was very concerning, because on XX/XX/2023 while in correspondence with XXXX XXXX of XXXX XXXX, I informed her that I had completed the additional task required by XXXX XXXX  and I received the following response from XXXX XXXX, I will review and let you know of anything additional we may need. 

On XX/XX/2023, at no time while corresponding with XXXX XXXX was, I informed that I did not meet the requirements of the loan because the current home was not sold prior to XX/XX/2023, and for that reason they were relisting of the home on XX/XX/2023. The selling of the current home could have taken place after XXXX date was not listed on the loan agreement or sales contract as the final date the home had to be sold. Therefore, the excuse that the home was not sold was not and still is not an acceptable excuse, this was misleading to say the least. Reference the emails included as attachments. 
On XX/XX/2023, at XXXX XXXX  from XXXX XXXX phone XXXX I received a very disturbing telephone call from XXXX XXXX and XXXX XXXX that I provide them with the listing agreement of my current home. 
XXXX XXXX and XXXX XXXX placed that additional condition on me that was not a part of the loan application or the housing contract, also, they were not a part of the contract in which they demanded. Several times they demanded the listing agreement for the current home, a contract between me and XXXX XXXX XXXX XXXX XXXX, my current broker in charge current XXXX XXXX, Broker in Charge, they also used not getting the listing agreement as the reason why they re-listed the home on XX/XX/2023, reference emails listing agreement. 
XXXX XXXX  in their response stated that current Broker In Charge XXXX XXXX was not identified as the new Broker in Charge, that is not true. When XXXX XXXX initiated the telephone call with XXXX XXXX on XX/XX/2023 they demanded ( to me ), that XXXX XXXX give them the listing agreement, they had full knowledge that XXXX XXXX was the current Broker In Charge. Also, when XXXX XXXX sent the email reiterating the conversation it was obvious and known by XXXX XXXX and XXXX XXXX that XXXX XXXX was the Broker in Charge. Note the attached emails pertaining to the demands for the listing agreement. 

XXXX XXXX began using XXXX stereotype towards me after they did not receive the listing agreement. After I completed the required task of XXXX XXXX  I emailed XXXX XXXX and expressed my concerns/ reference my email about the concerns and matters. When I spoke to XXXX XXXX about my concerns, after the joint telephone call he initiated, first XXXX XXXX acted as if he was not part of the telephone call, I then reminded XXXX XXXX that the call came from his telephone. XXXX XXXX began using the XXXX stereotype to discredit my concerns, dismiss my questions, reprimand me, put me in my place for questing XXXX XXXX XXXX XXXX males, shaming me, exerting their power, and controlling in the situation. XXXX XXXX does not have the right to violate me then define the violation, nor does XXXX XXXX or XXXX XXXX  have that right, I was victimized by him, and no one has the right to take away my rights or violate me. 
During our telephone conversation XXXX XXXX spoke for his company and XXXX XXXX. When I informed XXXX XXXX of my concerns, the way I was being treated, and the lack of demarcation of the XXXX XXXX  and XXXX XXXX, XXXX XXXX stated, you are angry, angry at XXXX XXXX and mad at me. 
When is it acceptable or appropriate for a lender to use XXXX stereotypes and intimidation because they are asked legitimate questions, and the customer has legitimate concerns about how they are being treated? 
After I made the request to XXXX XXXX to stop using the XXXX stereotype XXXX XXXX continued the use of the XXXX stereotype, reference attached emails. 

XXXX XXXX  and XXXX XXXX did not address these very important matters out lined in my response and I am requesting that these matters be addressed. 
When XXXX XXXX, Broker in Charge of XXXX real estate, ( XXXX, XXXX, male of XXXX descent ) responded to their email XXXX XXXX nor XXXX XXXX responded or answered his questions. 
I am once again asking under what authority does XXXX XXXX and XXXX XXXX  have to demand the current home XXXX listing agreement? 
XXXX XXXX also contacted XXXX XXXX about the closing dates etc. After XXXX XXXX contact with XXXX XXXX about the dates, XXXX XXXX continued the inequitable treatment. XXXX XXXX did not tell the truth when I asked to move the orientation date reference email chain. It is also apparent that XXXX XXXX did not even inform person conducting the orientation of my request, see email also. I was given less than XXXX days to have an inspection and to close on the home, additional inequitable treatment and very concerning. XXXX XXXX and XXXX XXXX also lied about the types of homes that were avilable, he community is a spec out community and the homes were spec out when I asked them what homes were avilable prior to my signing the contract in XXXX, their unjust practices began with our earlier interactions. 

I have uploaded XXXX Homes Attorney 's response and XXXX XXXX Response which includes their contact information/ I am requesting a response and an acceptable solution to the concerns, respectfully submitted.