Consumer complaint received 2025-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
FORMAL DEMAND FOR EARNEST MONEY DEPOSIT REFUND TO : XXXX XXXXXXXX XXXX XXXX XXXX XXXX FROM : XXXX XXXX DATE : XX/XX/year> RE : Contract # XXXX - Breach of Contractual Obligations and Demand for Immediate Refund of Earnest Money Deposit NOTICE OF BREACH AND DEMAND FOR PERFORMANCE This correspondence serves as formal notice of breach of contractual obligations and constitutes a final demand for immediate performance pursuant to the terms and conditions of Purchase Agreement Contract # XXXX ( " Contract '' ). 
XXXX XXXX XXXX  XXXX. Contract Formation and Funding Contingency : The undersigned entered the Contract with XXXX XXXXXXXX XXXX XXXXXXXX which contained express funding contingency provisions designed to protect the purchaser 's earnest money deposit ( " EMD '' ) in the event of loan qualification failure. 
2. Loan Disqualification and Contingency Trigger : In XXXXXXXX XXXX  both XXXX XXXXXXXX XXXX XXXX and MTH Mortgage , LLC decided that the undersigned 's loan application did not qualify for financing approval, thereby triggering the funding contingency clause and entitling the undersigned to a full refund of the EMD.

3. Contractual Obligation for Refund : Upon loan disqualification, Outside Sales Counselor XXXX XXXX acknowledged her contractual obligation to initiate the EMD refund process via check disbursement to the undersigned. 
4. Improper Communication Protocols : Throughout the entirety of this transaction, beginning in XX/XX/year>, XXXX XXXX deliberately circumvented proper real estate protocols by communicating directly with the purchaser rather than through the purchaser 's duly licensed real estate representative. This practice constitutes a material deviation from industry standards and appears to be a calculated sales strategy designed to exploit the knowledge disparity between licensed professionals and consumers.

5. Failure to Provide Written Documentation : Despite
multiple requests for written confirmation via email regarding the EMD refund status, XXXX XXXX has consistently refused to provide such documentation, instead limiting communications to informal text messages and telephone conversations that lack proper documentation and accountability.

6. Material Breach and Damages : As of the date of this correspondence, more than six ( 6 ) weeks have elapsed since the loan disqualification determination, yet no EMD refund has been processed or received via United States Postal Service delivery as promised. 
LEGAL VIOLATIONS AND PREDATORY PRACTICES : The conduct exhibited by XXXX XXXX and, by extension, XXXX XXXXXXXX XXXX XXXX demonstrates a pattern of predatory sales tactics that may constitute violations of consumer protection statutes, real estate regulations, and contractual obligations. 
DEMAND FOR IMMEDIATE PERFORMANCE : THEREFORE, demand is hereby made upon XXXX XXXXXXXX XXXX XXXX for immediate performance of the following : 1. Immediate EMD Refund : Process and deliver the full earnest money deposit refund within five ( 5 ) business days of receipt of this correspondence ; 2. Written Confirmation : Provide written documentation confirming the refund amount, processing date, and delivery method ; 3. Corrective Action : Implement disciplinary measures against XXXX XXXX for her improper communication protocols and predatory sales tactics.

NOTICE OF INTENT TO PURSUE LEGAL REMEDIES : Please be advised that failure to comply with this demand within the specified timeframe will result in the initiation of formal legal proceedings to recover the EMD funds, together with applicable interest, attorney 's fees, costs, and any additional damage permitted by law.

Additionally, formal complaints will be filed with the Consumer Financial Protection Bureau ( CFPB ), relevant state regulatory agencies, and other appropriate oversight bodies regarding the predatory sales practices employed in this transaction.

This correspondence shall serve as the final opportunity to resolve this matter amicably before the commencement of formal legal action.

Company response to consumer: Closed with explanation