Consumer complaint received 2026-04-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LD Holdings Group, LLC
State: CO

Complaint narrative:
CONSUMER FINANCIAL PROTECTION BUREAU Formal Complaint Submission Date : XX/XX/XXXX COMPLAINANT : XXXX XXXX XXXX ( also known as XXXX XXXX ) XXXX XXXX XXXX XXXX, CO XXXX Phone : XXXX Email : XXXX RESPONDENT : loanDepot XXXX XXXX XXXX XXXX, CA XXXX LOAN/PROPERTY INFORMATION : Property Address : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX Borrower : XXXX XXXX XXXX Foreclosure XXXX Date : XX/XX/XXXX -- - I. NATURE OF COMPLAINT I am filing this complaint against loanDepot for proceeding with a foreclosure sale on XX/XX/XXXX, while my Successor in Interest application was actively pending review, in direct violation of federal Regulation X, 12 CFR 1024.38, and related provisions under RESPA. -- - XXXX. BACKGROUND I am the surviving common law spouse of XXXX XXXX XXXX, a XXXX XXXX veteran and the borrower on the VA loan secured by the property at XXXX XXXX XXXX, XXXX, CO XXXX. XXXX XXXX passed away in XXXX. I resided at this property for over XXXX years as his common law spouse under Colorado law, which recognizes common law marriage as a legal marriage. Following XXXX XXXX ' passing, I submitted a formal Successor in Interest application to loanDepot on XX/XX/XXXX, seeking to be recognized as the successor in interest to the property and the mortgage, as is my right under federal Regulation X. XXXX XXXX XXXX. THE VIOLATION Regulation X, 12 CFR 1024.38 ( b ) ( 1 ) ( vi ), requires mortgage servicers to maintain policies and procedures reasonably designed to achieve the objective of identifying and facilitating communication with successors in interest. Furthermore, under 12 CFR 1024.41, a servicer is prohibited from proceeding with a foreclosure sale while a borrower or successor in interest has a pending application under review. loanDepot violated these federal requirements by : XXXX. Proceeding with the foreclosure sale on XX/XX/XXXX, while my Successor in Interest application, submitted XX/XX/XXXX, was still under active review and had never been formally denied. XXXX. Failing to provide me with written acknowledgment of my Successor in Interest application within the required timeframes. XXXX. Failing to pause foreclosure proceedings while my application was pending, as required by federal law. XXXX. Failing to notify me of any determination regarding my Successor in Interest status prior to proceeding with the foreclosure sale. These actions denied me the opportunity to explore loss mitigation options, loan assumption, or other remedies available to a confirmed successor in interest including options specifically available to surviving spouses of VA loan borrowers. -- - XXXX. CURRENT STATUS AND HARM As a direct result of loanDepot 's actions : - I have lost my home of over XXXX years without due process. - I am now facing imminent eviction proceedings initiated by XXXX XXXX XXXX, XXXX, acting on behalf of the U.S. Department of Veterans Affairs, the new property owner. - I have been denied my federal rights as a successor in interest. - I have suffered and continue to suffer severe housing instability, emotional distress, and financial harm. I have complete documentation of all correspondence with loanDepot throughout this process, including proof of my application submission on XX/XX/XXXX, and the absence of any formal denial prior to the XX/XX/XXXX foreclosure sale. XXXX XXXX VI. DOCUMENTATION AVAILABLE I am prepared to provide the following upon request : - Proof of Successor in Interest application submitted XX/XX/XXXX - All correspondence with loanDepot from XXXX through XXXX - VA documentation confirming my status as surviving spouse and resident - Colorado common law marriage documentation - Letter from XXXX XXXX XXXX dated XX/XX/XXXX - My response to XXXX XXXX XXXX dated XX/XX/XXXX - XXXX XXXX XXXX 's reply dated XX/XX/XXXX I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. Respectfully submitted, XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX, CO XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX 2026

Company response to consumer: Closed with explanation