Consumer complaint received 2025-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LD Holdings Group, LLC
State: WI

Complaint narrative:
I was in chapter XXXX bankruptcy for a year and a half, making on time payments to the trustees and Loan Depot LLC. For some odd reason the trustees wanted to remove me from the XXXX XXXX bankruptcy case because he said he didnt think I can afford to pay back the high balance that loan depot falsely claimed I owed! The trustee requested that I modify the chapter XXXX bankruptcy plan to stop me from being removed. My opinion was to refinance the loan so I can stop dealing with Loandepot corrupt organization. After getting a lender to refinance my loan, On around XX/XX/XXXX I reached out to customer service for Loandepot to request a payoff statement, they informed me that because I was in an active bankruptcy, that their bankruptcy attorney would have to provide me with the payoff statement and that I will receive it in XXXX business days! On XX/XX/XXXX I sent a Qualified Written Request out to Loandepot LLC and their bankruptcy attorney! The request was for a payoff statement, and I also requested debt validation for the unfamiliar fees they included in their proof of claim with the bankruptcy court! I also requested a list of items that was associated with my loan account! I advised them that they had 5 days to send me acknowledgment that they have received my Qualified Written Request and 30 days to send the request information under CFPB guidelines section XXXX, and to also send a copy to my bankruptcy attorney! I have not received a acknowledgment nor the requested information, the bankruptcy attorney for Loandepot XXXX returned my Written Request back to me without any explanation for the returned Request! On XX/XX/XXXX I then sent to their loandepot llc bankruptcy attorney a notarized sworn affidavit of truth and facts of their violation, and a affirmative of legal notice and demand to validate debt claimed, and a notice of fault and opportunity to cure and contest acceptance, that notice was also returned back to me without any explanation! I applied for a loan modification and XXXX of XXXX, and loandepot denied the application stating that my property has been foreclosed and that a foreclosure sale is completed, loandepot knowingly that at that time I was in an active chapter XXXX bankruptcy, and that my property was not sold, this is another example of loandepot malicious behavior to stop me from my civil rights and to steal my property fraudulent! As of today XX/XX/XXXX I have not received any response from loandepot, I am now no longer in chapter XXXX and Loandepot has started the foreclosure proceedings and have a sale date for XX/XX/XXXX! I had started an adversary proceedings against Loandepot with bankruptcy court, I informed the bankruptcy court that this is Loandepot XXXX malicious intent to have me removed from the chapter XXXX bankruptcy case so they can sell my property, but by the main chapter XXXX bankruptcy case was dismissed so was the adversary proceedings dismissed! Loandepot doesnt have standings to proceed with the foreclosure claim because they have securitized the loan in a mortgage backed securities pooled, which have received full payment of the alleged loan, and is hidden behind a falsified mortgage assignment under XXXX as the holder of the mortgage security! Loandepot has deceived the court system with false documents! Loandepot has sold the note and transferred their interest to XXXX XXXX Mortgage XXXX XXXX XXXX and this why loandepot have not returned any documents that I requested because it would show that they are not the holder in due course! Have a letter from loandepot stating that the debt is owed to XXXX, but yet loandepot has submitting a proof of claim with the bankruptcy court claiming that they are the true owner and creditors to collect the debt, and loandepot is using an mortgage assignment to foreclose on my property in the XXXX XXXX XXXX with MERs being the owner of the mortgage security instruments. Loandepot has submitted different forms of promissory note to the court officials, XXXX promissory note is in blank without a signature and XXXX promissory note has a signature which indicates that loandepot had indeed sold the note and a MBS pooled with different investors!

Company response to consumer: Closed with explanation