Consumer complaint received 2026-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
NOTICE OF TOTAL COLLATERAL WIPE-OUT & DEMAND FOR LENDER 'S EXTENDED TITLE POLICY RESOLUTION RELATED TO ACTIVE CASE :XX/XX/XXXXXXXX ( Loss Mitigation Track ) This is a new, separate complaint regarding a severe breakdown in loan servicing risk management and a failure to execute corporate loss mitigation. loanDepot frontline staff have spent XX/XX/XXXX days sending me in circles, promising an FHA hardship forbearance due to an emergency municipal evacuation order, and then failing to execute it, pushing my account XX/XX/XXXX days past due under threat of foreclosure.The core reason for this servicing failure is that loanDepots standard customer service team is trying to apply standard forbearance rules to a property that has suffered a total constructive loss of collateral value. The Town of XXXX has formally verified on paper that XXXX primary building permits, structural permits, or Certificates of Occupancy have ever existed for XXXX XXXX XXXX XXXX. The property is a legally non-existent, unpermitted cosmetic " flip '' with an actual market value of {$0.00}. loanDepot 's first-position FHA lien is currently secured by an asset that legally has no right to exist. Standard FHA forbearance or a Deed-in-Lieu can not resolve this, because loanDepot can not legally restructure or take back a deed on a valueless, unmarketable legal fiction. THE TITLE INSURANCE EVIDENCE AND ENDORSEMENTS : My Final Master Statement from XXXX XXXX XXXX XXXX XXXX ( Escrow No. XXXX ) proves that at closing, loanDepot required and procured an XXXX Extended Loan Policy from XXXX XXXX XXXX (XX/XX/XXXX : {$730.00} ), alongside an XXXX XXXX Endorsement ( Restrictions, Encroachments, Minerals ) for which I was charged XX/XX/XXXXXXXXThis Extended Loan Policy and XXXX XXXX combination explicitly insures loanDepot against a loss of collateral priority and asset value resulting from existing municipal zoning, building, and structural code violations. loanDepot is currently committing a gross risk-management error and engaging in predatory collection tactics by demanding that I pay out-of-pocket for a legally non-existent structure, while completely ignoring its own corporate insurance remedy. loanDepot has a fiduciary duty to its investors and to the consumer to execute its contractual remedies rather than forcing a toxic consumer default. LLEGAL ASSESSMENT OF LATE CHARGES DURING ACTIVE LOSS MITIGATION : loanDepot has assessed duplicate late charges on my account and actively refuses to waive them. This is an explicit violation of RESPA Regulation XX/XX/XXXX ( XXXX XXXX XXXX ) and FHA HUD Handbook XXXX, which strictly prohibit a servicer from charging late fees while an active loss mitigation application is under evaluation. loanDepot is using illegal fees to artificially inflate my debt on an asset they know has a market value of {$0.00}. FORMAL DEMANDS FOR RESOLUTION : I demand that loanDepots XX/XX/XXXXDepartment and XX/XX/XXXX Council immediately step in, bypass the frontline customer service loop, and file a total constructive loss claim with their Lenders Title Insurance Underwriter to satisfy this outstanding mortgage debt.I demand an immediate administrative hold on all collection tracking, an immediate stop to foreclosure routing, and a total suppression of negative credit reporting to the bureaus while the bank recovers its funds through its Lender 's Title Policy.

Company response to consumer: Closed with explanation