Consumer complaint received 11/17/2015 about Mortgage (FHA mortgage) with loanDepot.com, LLC (NC).
Issue: Application, originator, mortgage broker

Complaint: I applied for a loan with Imortgage Loan Officer XXXX, I meet with XXXX on XX/XX/XXXX. On XX/XX/XXXX I was closing at XXXX. However I never heard anything from anyone. Here is a brief of the incident that happen on XX/XX/XXXX. I sent XXXX an email due to he would not answer my calls or texts. Per our conversation that we just ended about 1hr 45min ago. You sent me a text asking me the lady I talk to at the branch and to have her contacted you. After I have been to that XXXX 2x today both times I ask you over 5x did you want to talk to the people at the bank so you can hear what they said me regarding my request. ( You stated than why would you want to talk to them ). I then stated since it seems like you guys thinking I 'm lying you can hear it from the bank Manager yourself. So you refuse to talk to hear. However you sent me a text an hour later asking to speak to her. As though I gave you different information, however, you were mistaken. Basically, you made me feel like I told you some untruths or did not give you all the details regarding my Cashier 's check for {$3000.00} that I explain to you when I 1st gave you my loan. When in fact, I was upfront with everything regarding this loan and I provided more information than what was requested from me. ( You told me that day to hold on to the check and it would n't be an issue ). I went to the XXXX that my sister originally got the Cashier 's check from to ask them if they can assist me on giving me proof the cashier 's check was cash. They stated the exact same thing the XXXX stated that I cashed the check at and provided me the number for customer service at XXXX. The same number I gave you earlier so you can contact them. When I called in the branch with the Manager they stated that my sister will have to call them due to it was her account that the money was withdrawn from. My sister is still in XXXX. Also you stated that the XXXX used their creative minds to come up with the story that how they do n't know someone else gave me {$3000.00} and I got another cashier 's check. Okay let 's make sense to this. Why will I pay XXXX for giving me a cashier 's check when I get them free from my bank? Also I had to go to my bank anyway to get the cashier 's check for {$330.00} to go with my money that I had since XXXX/XXXX/15 before you ever had my loan. So I 'm going to get money from someone for {$3000.00} and have a cashier 's check written out to me for {$3000.00}? Still confused. I am extremely offended that you or the XXXX will make up some crazy story that is invalid and untrue based on how someone else is thinking, accusing me of something that never happen. Please understand, I do not hate anyone at this company. I just regret doing business with you. I am simply dissatisfied with the service, LACK of consistent communication, mis-communication. The processor responding to what he wanted to, you answer my calls when you felt like it and the list goes on. You also stated they needed another credit supplement for things the XXXX requested from the processor and stated that it was n't my fault it was the dumb a # # processors. Because the XXXX sent me the credit report and it had XXXX trades on it. The reason the XXXX was requesting this is observed due to he/she want to see if I was making my payments on time. Which you can clearly see that on the credit report that was 1st pull, When I communicate with you on Saturday you did not indicated nothing additional that I needed to close my loan after I sent another bank statement from XXXX XXXX for XX/XX/XXXX to current. I had to hear from the Seller AGENT that I was n't closing. The next day I got a call stating the UW is declining my loan due to I refuse to provided documents which is a lie. I provided everything they request and never refuse to provide documents. I still have n't rec'v my decline letter as of yet. I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation