Consumer complaint received 2025-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
I entered into a contracted mortgage loan using my home on XXXX acres as the collateral. After signing the payout did not come when expected it was very late when it finally arrived it was in the wrong account it was not in my personal account but in my business is account a plumbing company that is an S corp that I own they had all the information for both of these bank accounts and they knew it was a personal loan and was supposed to go into my personal account. When it came I realized a substantial amount of money was missing {$7000.00} was gone changing the final numbers that I agreed to when I investigated I found that they had taken the {$7000.00} without contacting me and paid off another property and home where my business is located a two-story finished Barn and my seven stall horse barn streams and hiking trails I have been paying on this property for 13 years and almost had it paid off they then put this property into the contract as if it was agreed upon and created a fraudulent document adding my signature to it this property is valued at around {$500000.00} XXXX tried to contact the closing agent over and over and over for weeks finally I did not make the next monthly payment and they contacted me I told them I could not pay on this contract because the terms had been breached and it was now a fraudulent document they said their lawyers would contact me when they did they said that it was a mistake and they would return the funds and the deed and fix the contract and that I should make a payment I waited 2 months and they finally said that the original landowner did not have the money anymore therefore they could not refund it and then I should enjoy my property being paid off I told them this is unacceptable and ridiculous that they would steal money from me and fraudulently hijack a {$500000.00} property from me and then contacted the closing agent and he said he would take care of it instead they sold the loan to another company I then went through some serious events I had {$18000.00} and two trucks stolen from me. At this time I lost my grandfather and right after that I lost my mother she was young and this was unexpected. After that hurricane XXXX tore through XXXX XXXX  XXXX  destroying much of my property and it was not covered by insurance so I was up to me to fix it all my road was gone and a XXXX ft chasm in its place also had XXXX landslides and lost hundreds of trees I was stranded on my property landlocked and unable to leave no power for about XXXX weeks. During this time I also had a bulldozer and two log grapple trucks stolen from me insurance did not cover these because there was no proof that the storm didn't take it and no evidence of where had gone. During this time the loan company that purchased the loan heard about everything that happened with the writing of the contract and they wanted nothing to do with it and sold it to another company then I received notice of foreclosure hearings I went to several hearings and the lawyers on the other side never showed up they kept continuing it over and over and over still I kept going even though it caused huge problems because the dates were very inconvenient finally they scheduled a hearing without notifying me and they ruled on it not getting to see all of the evidence I had of the fraud in the contract I knew if they saw this evidence they would not be able to foreclose but would have to fix the contract. They actually went around me completely to avoid this evidence being seen they auctioned off the property but never made it public so the bank that held the loan paid the minimum amount for the property and I had not even found out about the foreclosure hearing. They're now talking of evicting me from the property that is not even supposed to be a part of that loan and the only reason I hadn't paid was because the contract was completely fraudulent all I wanted was to pay unto a contract I had agreed to.

Company response to consumer: Closed with explanation