Consumer complaint received 2020-03-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NM)

I closed with Loan Depot in XX/XX/XXXX. The refinance of the house was to get cash out, pay off credit cards, cars and buy additional property. It took an extra week for payouts to happen after closing. All checks were mailed to my residence with the accounts owed in the title. all checks were sent out and all debt was paid except XXXX credit card. I had quite a bit of trouble with XXXX and their bank. I had the first check canceled. The second check was sent out for the amount of XXXX dollars for XXXX was discussed. XXXX XXXX and XXXX XXXX with Loan Depot were on the email XX/XX/XXXX, an email dated XX/XX/XXXX notified me that a the 2nd check would be overnighted to XXXX. Still had problems getting that XXXX account paid off. 
XX/XX/XXXX received an email from XXXX XXXX XXXX the Title Company Loan Depot went through to send checks out. XXXX stated she would ask Loan Depot if I paid the card on XXXX off and provided proof then they would send a check to me for the XXXX dollars. 
XX/XX/XXXX XXXX XXXX with Loan Depot stated in an email if I proved documentation of the account showing paid in full a check would be cut to me. 
XX/XX/XXXX I provided proof that the account had been paid in full. 
XXXX XXXX with XXXX in an email dated the same day would forward to funding and would contact me of the out come. 
XX/XX/XXXX I provided proof once more the account had been paid in full. Then had to provide loan number and property address to XXXX XXXX of XXXX on the XXXX of XX/XX/XXXX to try and get this resolved. This is the same person that had told me 2 weeks prior he would contact me with the out come but once again I had to initiate contact. I then received an email stating XXXX banking never received nor cashed the check sent XX/XX/XXXX. XXXX XXXX stated send him the check, email dated XX/XX/XXXX. 
XX/XX/XXXX I used Loan Depot question and answers on their website about getting automated phone calls from Loan Depot prior to the XXXX of each month on payment of the mortgage when I had set up an automated payment with my bank to correspond with my pay day with XXXX. Had never gotten these calls before refinancing with Loan Depot so I filed a complaint XX/XX/XXXX with CFPB complaint ID XXXX. I've not had late payments nor am I behind on this account. 
Received an email XX/XX/XXXX from the Federal Trade Commission with a reference number XXXX with the first complaint. I find it frustrating that they can harass me for not paying on the XXXX of each month with a grace period going to the XXXX of that month before assessing late penalties and late fees but when the shoe is on the other foot it is ignored. 
I contacted XXXX XXXX of XXXX again XX/XX/XXXX once again on the status of the check. XXXX forwarded the email to XXXX XXXX of XXXX on esculating the process to cut me a check with no response. 
I sent emails dated XX/XX/XXXX and XXXX asking for an update with no response on any emails sent to her. 
XX/XX/XXXX I sent a final email to XXXX XXXX stating that with no response from her I was submitting a complaint to the CFPB and would follow up with XXXX XXXX XXXX with no response again.