Consumer complaint received 2025-07-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
In XXXX, would Loandepot be in my fourth mortgage company attempting to get a mortgage on a HUD repossessed home is impossible with mortgage companies. In XXXX, I contacted XXXX XXXX spoke with an individual email address. XXXX XXXX XXXX She liked to be called. XXXX. I attempted to deal with this woman for two weeks and determined that how Loandepot would not never give me a a mortgage and a head home theyre secure portal never worked. She demanded more and more documents that I would have to send to her over the Internet. 
I want to another company called another mortgage company called XXXX XXXX XXXX XXXX XXXX. They did the same XXXX that Loandepot did. I asked them both. My wifes finances is not part of the loan so you do not need any financial information on my wife whatsoever or I will end my loan with you well also XXXX XXXX XXXX  said that they could do the mortgage in less than three weeks. XXXX Loandepot said it would take her at least 30 days. I went with the company to send three weeks nothing worked in the end XXXX XXXX XXXX. One of my wifes financial information wanted her signature her Social Security card why Loandepot did the same thing why after I decided to cancel Loandepot I did go back to Loandepot for a home equity loan on my home here in Virginia I paid for a appraisal for the property then they got weird on me wanting documents that they couldve got the first day the first week three weeks into the process they told me I couldnt have a mortgage, but I spoke with a woman called XXXX XXXX. Well, she called me and told me XXXX XXXX have you talked with XXXX? Yeah yet? I said I said no I havent. She said you told us your house was reserved. {$500000.00}. It only appraised out to XXXX what is going on with you? Is theres something wrong with you. I need to know because I dont think youre a very good person and and you need to come true to us for us to give you a loan. She said many other things that I care not to mention I asked her was she oriental she screamed at me and said Id take offense to that thats inappropriate. You are an awful person and I dont know if were gon na give you a loan or not I said to her look I have no idea what is wrong with you but what what do you want me to call you if you are not oriental XXXX XXXX and I take offense to that well guess what take offense to this XXXX going to a different mortgage company and you can tell your bosses that its all your fault because youre woke prejudice, XXXX XXXX. 
Loandepot personnel kept calling me, XXXX and XXXX. I did not answer them for at least a week maybe longer I didnt answer them and said if you give me a copy of the recording of what that woman said to me, I will consider getting Mortgage with you XXXX XXXX on the sent me a text with a different amount than what I agreed to with XXXX XXXX mortgage person. 
XXXX said that they would give me the loan I would borrow XXXX and get XXXX from them. 
Now I went to a company called XXXXXXXX XXXX  They told me that Loandepot, even though even though I paid for the the appraisal. Loandepot refuses to give the 2 to 3 pages of the appraisal to XXXX XXXX. XXXX XXXX  told me they couldve done my mortgage on about one XX/XX/year>, but without the documents that Loandepot was holding, it was almost impossible for them to do a mortgage please advise. Is it acceptable for Loandepot to hold an appraisal that I paid for away from another company when I decided not to go with them because they are a XXXX, XXXX XXXX XXXX  people, and Im XXXX XXXX XXXXXXXX veteran and I knew all this. I think theyre discriminated against me. You should get a copy of this recording and you tell me what you think that woman went off on me and I have a feeling thats the kind of company it is how Loandepot is a woke company and it should be investigated on the type of loans it does with people but you guys dont do that you let these people go they lie they lie they lie and you guys say OK OK OK right now I called Loandepot on Thursday XXXX XXXX and said to him both XXXX and XXXX I sent them both a text. What do I need to do to get a mortgage or do people just to see what theyd say and guess what they didnt answer me on the XXXX XXXX XXXX I sent a text message to them at XXXX oclock, which wouldve been XXXX oclock on the XXXX XXXX XXXX hours difference well they never answered cause they never was gon na give me alone anyway. Please advise why I think theres something going on with the mortgage companies. Where does all my personal information go when they do my loan do they sell it? Do they hide it? Do they destroy it? I think they sell it. Thats how they make their extra money.

Company response to consumer: Closed with explanation