Consumer complaint received 02/16/2018 about Mortgage (FHA mortgage) with loanDepot.com, LLC (LA).
Issue: Struggling to pay mortgage

Complaint: Date of Loss- XX/XX/XXXX Brief Timeline XXXX XXXX XXXX 1. Home was flooded on XX/XX/XXXX 2. Filed a claim with XXXX XXXX # XXXX on XX/XX/XXXX. 
3. Received a first draw of {$7500.00} on XX/XX/XXXX. 
4. Received the flood settlement estimated on XX/XX/XXXX, in the amount of {$100000.00}. I spoke with an agent an XXXX agent and explained their settlement estimate was too low. The XXXX agent then advised me " that by cashing the check I could still do a supplement claim, upon completion of the repairs. And also, " it would not be a problem requesting additional funds. '' 5. On XX/XX/XXXX overnight the settlement check to Loan Depot - Mortgage Company. 
6. To receive my second draw I had to beg and plead with Loan Depot and threaten to go the Attorney General. I received the second draw of {$40000.00} on XX/XX/XXXX. A third draw on $ XX/XX/XXXX for {$27000.00}, and fourth draw on XX/XX/XXXX for {$10000.00}, and the fifth draw on XX/XX/XXXX for XXXX - this was a bounced check. The last draw of {$6600.00} as of XX/XX/XXXX. Actually, waiting as of XX/XX/XXXX. 
7. On XX/XX/XXXX Loan Depot bounced a check because we did not sign the back twice? - My bank XXXX XXXX threaten to bring me up on charges. Finally, the branch Manager did a three-way call. The Managers response was No one should be treated badly, and this was an unfair practice. The Manager at XXXX XXXX was lied to from Loan Depot.

8. On XX/XX/XXXX, I requested the escrow funds be sent to XXXX XXXX XXXX XXXX. On XX/XX/XXXX Sent a Certified Request to Loan Depot Claims to send the remaining escrow funds to XXXX XXXX XXXX so I would be current on my Mortgage. ( See Attached ) I have had to take out addition loans of {$4400.00} to get to the 100 % inspections for Loan Depot 8. In XX/XX/XXXX Loan Depot Collection Department XXXX XXXX Pressured me into a Loan Modification. I had 14 days to respond so I told her that would be ok. She wanted a payment on XX/XX/XXXX {$2000.00}. and in XX/XX/XXXX-XX/XX/XXXX payments of $ XXXX XXXX {$8900.00} + $ XXXX {$11000.00}. 
9. On XX/XX/XXXX I contacted Loan Depot Collection not XXXX XXXX, and advised that I needed to stay on the Forbearance. I was send a new letter. 
10. On XX/XX/XXXX I made a payment of {$2000.00}. As of yet Loan Depot has not yet sent my escrow balance to my Mortgage. I contacted the Re-Fi department of Loan Depot. I am working on the paperwork. 
10. XX/XX/XXXX Loan Depot is now sending me Foreclosure Notices. Still working on Re-Fi with Loan Depot. If LD. Wound have sent my escrow in I would be current on my Mortgage. Desperately trying to keep my Home. Loan Depot will not take a payment from me unless it is in full. 
11. On XX/XX/XXXX - Desperately trying to keep my Home. Loan Depot will not take a payment from me unless it is in full. Trying to come up with the funds before the end of XX/XX/XXXX. 
12. XX/XX/XXXX I have received a new settlement from XXXX and getting an additional {$32000.00}. I have contacted the Claims Department to advise of the additional funds. The agent XXXX reopened the claim and advised me to submit the new POL. She also asked if I had any additional receipts. I advised her that I have had inspections with Loan Depot and I am at 100 %. I need these funds ASAP to regain my live back. On XX/XX/XXXX I uploaded the new POL from XXXX. 

My recovery period has been long and extremely painful. It has disrupted my daily life, and I have incurred significant out-of-pocket expenses. From Loan Depots Agents and their Representatives not responding in an adequate and timely manner, I have been without the use of my domiciliary residence and I was displaced and homeless for over 14 months. 

I am now worrying it may take months to get my supplemental check back from Loan Depot, and they may bounce it on me again. I do not want to battle Loan Depot, their Agents, and Representatives again. I thought that purchasing flood insurance, would secure my future in the event of a loss. I am back in my home, and Loan Depot will not take money from me, and are sending me Foreclosure Notices. I do appreciate Loan Depot giving me the forbearance, however there are too many departments of Loan Depot, and they do not work together. I am desperately trying to regain my life back and need help with my mortgage company to remain in my home without damaging my credit. 


Happiness Begins and ends at Home

Company response to consumer: Closed with explanation