Consumer complaint received 2021-04-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

On XX/XX/XXXX, I changed insurance carrier for my home. On XX/XX/XXXX, I called XXXX, my old insurance XXXX, to cancel before the renewal policy began from XXXX. However, Loan Depot, my mortgage lender, paid the renewal annual premium of {$950.00} on XX/XX/XXXX without my consent or knowledge. See Exhibit B. 

On XX/XX/XXXX, I paid my mortgage payment due in the amount of {$1800.00} from my personal checking account with XXXX XXXX XXXX Exhibits A and B. 

On XX/XX/XXXX, I sort options to refinance my home. I sent each new, potential lender the required documentation. 

On XX/XX/XXXX, I paid my mortgage payment due in the amount of {$1800.00} from my personal checking account with XXXX XXXX  However, I called the bank to cancel the payment. XXXX could not reverse the payment. Therefore, I called Loan Depot, the mortgage lender, to reverse the payment because I was going thru the refinance process and did not want to make two payments to them : one from my personal checking and the other in the payoff of the loan. Loan Depot agreed to the reverse payment, but informed me that a late fee would charge if the payment would be made on XX/XX/XXXX or thereafter and a late would appear on my credit report if paid on XX/XX/XXXX or thereafter. See Exhibit C. 

On XX/XX/XXXX, I called XXXX and requested a refund of escrow insurance payment from Loan Depot on XX/XX/XXXX. I inquired of them as why they had not sent the payment back either to Loan Depot or me. No response was given. I informed them that I would be filing a complaint with the California Department of XXXX. A refund was sent out that date and received on XX/XX/XXXX dated XX/XX/XXXX in the amount of {$920.00}. I dont know if this is the fill amount paid by Loan Depot. See Exhibit D. 

On XX/XX/XXXX, XXXX requested a Payoff amount from Loan Depot and sent email to me that Loan Depot refused to provide the information unless I signed a document granting permission. 

On XX/XX/XXXX, I contacted Loan Depot about the Payoff request. The representative stated that I had not paid mortgage for XX/XX/XXXX. I disputed that matter over the phone. I inquired about how to receive the Payoff request information and was told that it could only be sent via fax or U.S. regular mail. I told Loan Depot that I would call them back. 

On XX/XX/XXXX, I contacted Loan Depot about the payoff request and again it was stated that I could only receive the information via fax or U.S. regular mail. Therefore, I provided a fax number to the representative and received the Payoff request information. Later, I received in the mail that same day several documents from Loan Depot. The first document is a Mortgage Statement dated XX/XX/XXXX with an amount due of {$1800.00} on XX/XX/XXXX. See Exhibit E. The document is a Mortgage Statement dated XX/XX/XXXX with an amount due of {$5500.00} on XX/XX/XXXX. See Exhibit XXXX The representative again alleged that my mortgage had not been paid for XX/XX/XXXX, which I have submitted evidence as Exhibits A and B for the purposes of this complaint. The third and fourth documents were Notices of Default dated XX/XX/XXXX I suppose for the months of XX/XX/XXXX and XX/XX/XXXX. XXXX Exhibits G and H.