Consumer complaint received 2023-06-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CT)

Since I borrowed from this company, I have been correcting their financial errors starting from a few months in. First they blocked me from paying online due to an error they made on their end which they refused to acknowledge [ The error was that they charged me twice for the same month, one went through as it it should, and the other didn't because it was unauthorized ] I WAS BLOCKED FROM VIRTUAL PAYMENTS FOR A YEAR. Another major error, was that I reported my temporary change in income, and informed them that my payments will not come out on the first of every month any more, even though my contract says partial payments were allowed, they rejected them. I asked how can I pay my monthly payments after the due date each month and avoid late fees, they said forbearance was the best option, so I went on a forbearance plan twice for that reason. The statements were showing that I paid in full each month, while also showing that I owe for those same months. I called about it, they informed me to ignore it. After the forbearance ended, I was still getting statements saying I have not paid anything for months, with late fees added for months, while saying in a small portion, that I paid in full for each month. I sent them a letter regarding this matter, they replied with a letter stating that they received my letter, but nothing else. It's about two years later, and still no changes, I ignored it as I continued my payments, due to the statements saying paid in a small corner. Then two checks was returned to me, I called to ask why, they informed me that it was because it was a partial payment, I stated that it was full payment, THEY SAID IT WAS BECAUSE MY MOVEY ORDER WAS MISSING XXXX XXXX ( XXXX ). So I stated I will pay the XXXX XXXX over the phone, the representative rejected it and stated that it has to be a combined check. These were tracked money orders due to the constant errors loan depot was making. I informed them that I was not going to open a bank account just to combine the checks [ and sent them back ], then after a while of dispute, they stated that they could accept the payment via phone. THEY ACKNOWLEDGED THAT THEY COULD HAVE TAKEN THE MONE OUT OF MY ESCROW ACCOUNT BUT DIDNT. As I waited for the checks to return, I saw that they were adding lateness to them. I called to dispute them because it was unfair, and to make the payments via phone. I was informed that I could either send proof of payment, or pay over the phone, but I could not do both, so I sent proof and waited for a Response. They refused to remove the late fees, while in dispute, I was paying for the other month [ The first two checks was returned on the last of XXXX so I had to pay for XXXX during the dispute ] they then returned XXXX 's check, I left the country due to a family emergency, when I returnedI WAS THREATENED WITH FORCLOSURE [ this was XXXX ], I then said ok ill pay all the late fees, they rejected my full payment and stated that I was already in foreclosure. I went to the court and was told I WAS NOT IN FORECLOSURE so I requested to file a complaint [ due to unsuccessful attempts to find a lawyer ]. I called over and over to asked them to accept my money since I was not in foreclosure, they then said I had to be reinstated and asked their lawyer to reinstate me [ I was not in foreclosure still ]. After a few weeks I received a call from a man saying he's a realtor and that he saw my home was up for foreclosure and wanted to help me sell. I went to the court, and I was still not in foreclosure. Loandepot then submitted a foreclosure in XX/XX/XXXX and I was served on the XXXX after they refused my payments, and rejected to reinstate. I went to their mediation, THEY STATED I HAVE NOT PAYED SINCE XXXX, YET MY TRACKED MONEY ORDER RECEIPTS AND THEIR STATEMENTS SAID OTHER WISE. I PAID IN FULL FOR EVERY MONTH AND ONLY OWED XXXX PENNIES WHICH THEY REFUSED TO TAKE FROM MY ESCROW ACCOUNT. mediation was dismissed. I have 26 more years with these people, it is not safe to continue business with them, I am unable to refinance. They also showed a list of companies interested inn y property like XXXX XXXX XXXX, and other associations including the XXXX state, which leads me to think this was a sabotage and was intended to get me to either sell or loose my home.