Consumer complaint received 2025-09-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LD Holdings Group, LLC
State: PA

Complaint narrative:
b'My XXXX  and I refinanced our home in XXXX, with Loan Depot.  The underwriter for Loan depot suggested that we process the loan in my XXXX  name only since his credit score was higher than mine (at that time) and my XXXX  was the XXXX.  We were not comfortable with not listing my name on the loan as well.  We were assured that should one of us pass away before the other there would be no problem with the mortgage since we were both on the original deed as owners (note this was our first time refinancing our home.\nUnfortunately, my XXXX  passed away on XXXX, I contacted Loan Depot on XXXX XXXX XXXX, and requested that the mortgage and that everything be placed in my name going forward.  I was told to submit certain documents (see attached), which I did,  I later received a letter stating that I was the successor (whatever that means).  When I called in to ask, I was told that there was no problem that I  was now listed as the current owner.\nI requested to receive a paper copy of my monthly statement; I noticed that the name on the account was listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX.  I called in again and was given the run around again.  Going over the paperwork that I was requested to complete at the time I reported my XXXX XXXX, I clearly stated that my house was NOT part of an estate.\nI spoke to XXXX  supervisors within the last XXXX  days, the most recent today XXXX.  No one can tell me what is going on or how to correct this\n\tWhy wasnt the house loan transferred into my name when I reported my XXXX  XXXX  and why didnt someone explain the necessary steps that needed to be taken to complete this transfer.\n\tWhy is the loan listed as an Estate, when its clearly stated on my form that my XXXX  did not have an estate  I am the official owner.\n\tI have been making my mortgage payments on time since my husbands death and none of that is being reported under my social security number to the XXXX  credit bureaus therefore this has affected my credit scores.\n\tThe supervisors explanation is that I was made the successor because I still live in the house ( I am the other owner- XXXX XXXX).  I was also told that as the successor I was not obligated to make mortgage payments (which makes no sense -).  I asked how many payments I would have been allowed  to miss before loan Depot confiscated my home (no answer).\nIt appears to me that there is something going on here, no one is calling me back.  My XXXX  mortgage is due.  Loan depot is ruining my credit and they had the balls to say , we can refinance the loan for you but you have to qualify using your credit score.  I spoke to some named XXXX there and she said that loan depot has a process that would have simply transferred that loan over to my name because I am the property owner.\nPlease help me with this. I assumed this was taken care, the supervisor that I spoke with today said it could take up to the XXXX  of XXXX because they are so busy however I have been making these payment since XXXX, calling repeatedly  and none of payments have benn  reported to the 3 credit bureaus.  This is affecting my ability to refinance with other financial institutions not to mention the damage to my credit rating'

Company response to consumer: Closed with explanation