Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
I am under contract to purchase land and was working with XXXX XXXX at the LoanDepot, she is a Loan officer ( XXXX  XXXX # XXXX ). We were supposed to close XX/XX/XXXX but the Lender ( XXXX ) said we needed more time and we extended the contract to XX/XX/XXXX. According to XXXX we needed a Profit & Loss statement from a XXXX  and mine was out of town until after the new year, she said she had found a XXXX  that could assist and I sent her all my bank account transactions in XXXX format. I have done plenty loans before and normally the Loan officers will confirm the amount to be billed to me and confirm before proceeding with the request but not XXXX, she sent me an email saying that she had what she needed from the XXXX  and that I needed to pay {$1800.00} immediately. She did not provide an invoice nor the report over to me at the time, she just insisted I pay ASAP so she could proceed to push my file to underwriting. I trusted that there was no reason to doubt her since she is a Loan officer and assumed she must have been working with the most expensive XXXX XXXX in our area so I made payment via the payment link that she forwarded. Once my credit card payment of {$1800.00} was processed, the payment processed webpage said under the Description, '' I work at XXXX XXXX XXXX in XXXX  XXXX XXXX! I feel like you should do what you love and XXXX  is my passion. If your needing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ". I immediately notified XXXX that I had paid and that it did not appear to be a XXXX  but a XXXX XXXX  to which she later responded that she was both a XXXX  & XXXX XXXX. I requested an Itemized receipt from her but I did not receive anything that day. She also did not respond to me when I asked her when was the actual appraisal going to be ordered since we were only two weeks away from closing either. It was the following day when several erratic emails came through from the " XXXX  '', she said that due to the XXXX holiday her bank was being extra careful and was returning me my payment and that I needed to XXXX her payment ASAP. ( I believe the transaction was rejected from her merchant since she is registered as a beautician not a XXXX  Business as the payment link was titled ). I took the opportunity to ask her directly for an Invoice and a copy of this so-called report she provided the Lender. This time I did get an invoice and a Two-page bogus report. The invoice was obviously fake with no phone number, no license number, a fake business name with no record of it's existence and an address that XXXX maps shows as an empty lot. I let her know at the time that my credit card still showed the charge as pending and that I would not be sending any more payments until that payment was posted as refunded. XXXX ( fake XXXX  ) responded that actually the report was NOT final, that the lender had just asked her that day to update it and she was not going to do that until payment was made and that may take another 5-7 business days. She knew that I needed to close so she was trying to pressure me to pay but I told her that I had already made a prompt payment the 1st time and would not proceed until the 1st payment was refunded to my account. This response prompted several more emails demanding payment and accusing me of Theft of Service and the Loan officers only response was that she would not proceed until payment was made. The loan officer was attempting to fraudulently extort funds from me, since then I have filed complaints with the Loan officer 's supervisor and have endured harassment from via email and social media from this fake XXXX. You trust a loan officer with your most sensitive personal information ( all financials/socials and XXXX XXXX ) and to think that she was trying to con me is nerve wrecking since she has all my data! I don't know what would prompt her to do this and I may not be her first victim but hopefully I am her last.

Company response to consumer: Closed with explanation