LD Holdings Group, LLC

This is a follow-up to complaint XXXX filed XX/XX/year>. LoanDepot continues to refuse cancellation of PMI on loan XXXX despite meeting all requirements for XXXX XXXX XXXX. LoanDepots own XX/XX/year> letter confirms my LTOV is 79.7 % ( below 80 % of original {$390000.00} purchase price ). Perfect payment history ( never late ). Made the exact {$1200.00} principal curtailment they required on XX/XX/year>. Sent multiple secure messages since XX/XX/XXXX with XXXX substantive replies. Opened multiple separate case numbers while stalling ( XXXX, XXXX, XXXX, and others ). XXXX XXXX CFPB deadline was missed on XX/XX/year>. On XX/XX/XXXX they requested and received an extension to XX/XX/year>. I decline any BPO, appraisal, or extra payment. I meet every requirement for immediate PMI cancellation under the Homeowners XXXX XXXX and Fannie Mae guidelines. Requested resolution : 1. Immediate cancellation of PMI. 2. Refund of all PMI premiums paid since XX/XX/year>. 3.…

I am submitting this complaint regarding my mortgage servicer and my ongoing attempts to prevent foreclosure while experiencing severe financial hardship. At the time I filed my XXXX XXXX XXXX, I was employed and believed I would be able to maintain my repayment obligations. However, my financial situation changed significantly after filing due to loss of employment and unresolved federal tax issues. My XXXX XXXX case was later dismissed in connection with those tax matters. I have since worked with the XXXX XXXX XXXX regarding my IRS issues and have been informed that my situation qualifies as a federally backed hardship matter currently under review. Despite my repeated efforts to communicate with my mortgage servicer and seek assistance, I feel that I have not been provided meaningful foreclosure prevention support or reasonable alternatives based on my hardship circumstances.…

I am submitting this complaint against loanDepot ( NMLS # XXXX, Loan Consultant XXXX XXXX, XXXX @ loandepot.com ; supervised by XXXX XXXX XXXX XXXX, XXXX @ loandepot.com ) regarding Loan File # XXXX, for the purchase of XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. Contract was executed on XX/XX/XXXX. The property is a condominium, and the sufficiency of the HOA 's financial reserves is a fundamental underwriting requirement under conventional lending guidelines. Despite this, loanDepot failed to conduct a timely review of the association 's financial condition at the outset of the process. Based on XXXX XXXX 's professional guidance, I paid approximately {$1300.00} out-of-pocket for the appraisal, inspections, and HOA document release fees all required simultaneously before the association 's financial viability had been properly assessed.…

I provided proof of active homeowner 's insurance to my mortgage servicer/escrow company, including a declarations page showing continuous coverage. Despite this, the company charged my escrow account for force-placed insurance without making reasonable efforts to verify my existing policy or communicate with my insurance provider. I submitted documentation on XX/XX/XXXX and followed up multiple times with no adequate response. This same issue occurred in XX/XX/XXXX, indicating a pattern of failure to properly verify existing insurance before applying force-placed insurance charges. On approximately XX/XX/XXXX, the company emailed confirming that the lender-placed insurance had been cancelled and a refund would be processed within 7-10 business days per Ticket XXXX XXXXXXXX. Despite this written confirmation, no refund was issued and no follow-up communication was provided. On XX/XX/XXXX I sent a written request for confirmation of the refund amount and posting date.…

I am getting harassed by LoanDepot they call me pretending to be looking for someone named XXXX who took a loan. I have repeatedly told them its a wrong number but they have called me at least XXXX times over the past XXXX hours with rotating numbers. This amounts to harassment. Also they have sent texts and left voice messages. I am so frustrated I am postpartum and they are doing this.

On XX/XX/XXXX I engaged LoanDepot through loan officer XXXX XXXX in XXXX TX in order to finance a mortgage utilizing a leasehold structure. I asked in the beginning if the leasehold structure was something they would be able to do and XXXX told me she would speak with her manager and see. She came back with information stating that they were able to work with this and that we could move forward. I filled out the credit application and submitted all my documents. I was told that I had XXXX approval and on XX/XX/XXXX I was issued a pre-qualification letter. On XX/XX/XXXX I went under contract for a property in XXXX and wired my XXXX total in earnest money and we started the process. I ordered the inspection right away, it was done XX/XX/XXXX and by XX/XX/XXXX we had an appraisal.…

I am filing this complaint regarding serious irregularities in the origination, insurance handling, and servicing of my mortgage loan and related property insurance. Multiple entities involved in my loan and insurance transactions have failed to respond to lawful inquiries, provided inconsistent or false information, and may have engaged in unlicensed or unappointed activity. My deed of trust was prepared by XXXX XXXX of XXXX, XXXX, but she does not appear in NMLS Consumer Access as a licensed Mortgage Loan Originator. I can not verify her authority to prepare or participate in origination activities. Insurance entities tied to my loan include XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX cancellation notice lists XXXX XXXX XXXX as the agent of record. I have been unable to verify proper XXXX appointments for XXXX XXXX or XXXX XXXX, and they have not responded to the Arizona Attorney Generals Office.…

Issue : Mortgage Refinance Misleading Information, Improper Loan Handling, and Inconsistent Underwriting Decisions I am submitting a complaint regarding the handling of my VA refinance ( IRRRL/streamline ) application with LoanDepot. My initial Loan Estimate was issued on XX/XX/year>. At that time, the loan was structured using an estimated property value of approximately {$270000.00} and a loan amount of approximately {$250000.00}, reflecting a loan-to-value ( LTV ) ratio of approximately 94 %. The loan proceeded under these terms and I received a conditional approval. At the outset, I was informed that this would be a VA streamline refinance and that no appraisal would be required. Based on that understanding, the loan proceeded for approximately XXXX month without an appraisal being ordered. Approximately XXXX month into the process, I was then informed that an appraisal was required.…

In XX/XX/XXXX I lost my job and fell behind on payments. In XX/XX/XXXX I started active forbearance for 3 months ( through XX/XX/XXXX ). XXXX XXXX I requested extension on active forbearance which was granted through XX/XX/XXXX. XX/XX/XXXX I received paperwork to go to court for foreclosure. I worked with my bankruptcy attorney and sent over the mailed copy of paperwork I had showing active forbearance, which was all I had, no electronic copies or paperwork existed. The case was withdrawn by the mortgage company. XXXX XXXX I notified the mortgage company that I could resume payments starting XX/XX/XXXX because I had found work. I told them I would be able to resume payments but not pay the lump sum, or additional payments, towards the delinquent debt.…

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 have been bombarded by texts and phone calls from XXXX at Loan Depot even though I told her I was going another way. Following are the calls received thus far : XXXX XX/XX/XXXXXX/XX/XXXX from XXXX XXXXXX/XX/XXXXXX/XX/XXXX from XXXX XXXXXX/XX/XXXXXX/XX/XXXX from XXXX XXXX XX/XX/XXXXXX/XX/XXXX from XXXX XXXXXX/XX/XXXXXX/XX/XXXX from XXXX XXXXXX/XX/XXXX XX/XX/XXXX from XXXX XXXXXX/XX/XXXXXX/XX/XXXX from phone XXXX XXXXXX/XX/XXXXXX/XX/XXXX from phone XXXX XXXX XX/XX/XXXXXX/XX/XXXX from phone XXXX XXXXXX/XX/XXXX XX/XX/XXXX from phone XXXX And there are as many texts from the previous XXXX days. I sent her a text explaining I was going a different way and she continues to call and text.

I believe Loan Depot is steering my homeowners insurance to their preferred ( or forced-place ) provider. They are creating a predatory situation where no other insurance company can come close to matching the inflated price they are demanding. In effect, they appear to be monopolizing both the choice of insurer and the timing of when the premium must be paid through their escrow account. This issue has arisen suddenly and unexpectedly across three different mortgages I hold with * * Loan Depot, XXXX, and XXXX XXXX * * all of which I have had for years. In some cases, the loans were recently opened and the insurance coverage was already agreed upon at closing. Despite this, I began receiving letters demanding additional or different insurance coverage. When I provide proof of wind insurance, they say I need hurricane insurance. When I provide hurricane insurance, they claim it is not enough coverage. If the policy does not include outside walls, they require inside walls.…

I am requesting a good-faith and compliance review of the late-payment reporting on my mortgage account. I am trying to access home equity, but the reported late payments are materially harming my ability to qualify, despite my account now being current and my hardship being temporary. Please review whether each reported late payment was processed, credited, and reported accurately. Under 15 U.S.C. 1666b, creditors may not treat certain payments as late unless legally required timing and billing procedures were followed. Although this statute is most commonly applied to open-end credit, I am requesting LoanDepot enforce the same consumer-protection principle : payments should not be treated or reported as late where billing, notice, processing, or crediting procedures caused or contributed to the delinquency.…

I noticed my escrow charges going extremely high. I was not notified why. I noticed a {$1900.00} fee listed in my payments for self-home insurance. I inquired and asked what this fee was and why it exists since I have and was under a clear home insurance policy since owning this house in XXXX. I sent them the copy of the home insurance policy which contracts their claim. They continue to claim my home was not insured. After months of requests they finally sent me a note from the insurance company XXXX XXXX ) saying my policy would not be renewed after its ' expiration. XXXX is the FL state home insurance agency that was divesting hundreds of thousands customers since it had overenrolled. Now Loan Depot ( my mortgage company ) is refusing to believe my policy, me, or any logic and claiming the fee is valid. I have told them the date of the letter was XX/XX/XXXX and it says on the letter they policy runs XX/XX/XXXX to XX/XX/XXXX.…

b"RECENTLY TOOK OUT AN FHA MORTGAGE THROUGH LOAN DEPOT LLC-LICENSE - OF CALIFORNIA\nI AM A XXXX XXXX XXXX \nRETIRED DISABLED -ABJUDICATED BY SOCIAL SECURITY IN XXXX AS XXXX XXXXPERSON WITH A LONG HISTORY OF FINANCIAL MISMANAGEMENT\nI WAS DESPERATE FOR SOME CAPITAL TO FIX UP MY HOME AND I WAS THROWN IN A DEN OF SNAKES-LOAN DEPOT-LICENSE 1XXXXMY FHA LOAN NUMBERXXXX XXXX XXXX XXXX SNAKE BY THE NAME OF XXXX XXXX XXXX XXXX XXXXPERATING AN 'A TEAM' OUT OF THE XXXX REGION GROSSLY DEFRAUDED ME -\nWHEN XXXX XXXX HE STATED THAT MY MONTHLY MORTGAGE PAYMENT WOULD BE AROUND XXXX USD I TOLD HIM I COULD NEVER EVER AFFORD TO PAY THAT ON 1XXXX USD SOCIAL SECURITY THAT COULD BE CUT IN XXXX.OSED \nI ASKED XXXX XXXX VERY CLEARLY-I PROSED THE FOLLOWING SCENARIO-\nIF I WAS TO PAY BACK A LUMP SUM SAY XXXX HOW WOULD THAT EFFECT MY MONTHLY M ORTGAGE PAYMENT-\nXXXX XXXX XXXX XXXX REPLIED- FOR EVER XXXX YOU RETURN YOU WILL HAVE A REDUCTION OPF APPROXIMATLY XXXX USD MONTHLY FROM YOUR MORTGAGE PAYMENT-…

I am filing this complaint regarding LoanDepots handling of my Notice of Error and their subsequent response. I previously submitted a Notice of Error dated XX/XX/year>. LoanDepot now claims that they responded on XX/XX/year> by mailing a response to my address. However, I did not receive any such response. I consistently receive other correspondence from LoanDepot at my correct mailing address, including billing statements. The fact that I did not receive this specific response raises serious concerns about whether it was properly sent or delivered. In their prior CFPB response, LoanDepot provided a copy of a letter and referenced a shipping label, but this does not establish that the contents were actually delivered to me. Additionally, the substance of their response does not fully address the issues raised in my Notice of Error. My request sought a complete and accurate accounting of my loan, clarification of servicing practices, and supporting documentation.…

I am a 1XXXX XXXX XXXX XXXX XXXX XXXX, VA mailed XXXX property tax refund checks totaling {$3600.00} to loanDepot XXXX weeks ago due to my XXXX exemption. On XX/XX/year>, loanDepot admitted they don't know the correct internal address for such checks, have no tracking system once received, and claimed 60 days to process which has no basis under RESPA. RESPA 1024.17 ( f ) ( 2 ) requires surplus refunds within 30 days. I am requesting full refund of {$3600.00}, escrow payment adjustment, and written process confirmation. XXXX filed XX/XX/year>.

I recently received a letter from Loandepot tax department stating my property taxes are due an late in which they sent it to the wrong address an Ive updated my address XXXX months due to fire damages so the home is being repaired with Loandepot an there sending important letters to several addresses an customer service tells me they only have one on file so why is there important information being sent to different addresses an they dont honor there mistakes blaming the borrower for all there mishaps an screw ups so once I got late notice of this letter in which I still met the so call deadline so I reach out to tell them hey u all said im my own advocate for my own taxes and I have to handle all the issues around the property since I dont have a escrow account so I asked her what do I do in a situation where the property is being reassessed an a new bill will be sent out after the process an she tells me she would need a review letter showing it being reassessed so I go to the…

I am filing a complaint against LoanDepot regarding the improper withholding of funds from my escrow account following the payoff of my mortgage loan. My loan with LoanDepot was fully paid off on XX/XX/year>. As part of the payoff, I am owed a remaining escrow balance of {$4900.00}. However, despite the loan being satisfied, LoanDepot continues to hold these funds and has failed to provide a clear or consistent timeline for when they will be returned. Since the payoff date, I have made multiple attempts to contact LoanDepot to obtain information about the status of my escrow refund. Each time, I have received inconsistent or vague responses, with no definitive explanation for the delay or firm commitment on when I will receive my funds. This lack of transparency and accountability is unacceptable. To date, I have not received my escrow balance, nor have I been given a valid reason for the delay.…

LoanDepots Biweekly Payment Restrictions Limit Consumer Choice LoanDepots servicing platform does not allow borrowers to set up biweekly automatic payments based on their actual pay schedule, even when the payments would be received before the monthly due date. The app forces a rigid schedule, and customer service representatives confirm they can not override it. LoanDepot also requires borrowers to be a full 2 months ahead before biweekly payments can be activated. This means consumers must effectively pay two months in advance just to access a biweekly schedule. This requirement is not clearly disclosed and feels intentionally designed to prevent borrowers from benefiting from biweekly payments, which reduce interest and accelerate principal payoff. The combination of restrictive technology, lack of manual support, and a forced prepayment requirement is unreasonable and misleading.…

It is too long to write in here, so I sent a letter and I will upload it for you to send I have been fighting this for a couple years now. Please read the letter that I have submitted. Also in the file is the email that I was given, stating that any late payments would be removed and all late payments would be stopped during my re-modification. I have the proof. Since then, they took XXXX off told me they were gon na keep that off as long as I did not dispute this claim which I'm not going to stop disputing because I did nothing wrong. They have been lying the whole time and because I disputed after over a year, they put it back on. They are also on my XXXX report reporting that I was late in XXXX I sold my house in XXXX. It was impossible for me to be late when I sold the house and they keep writing I sold the house after foreclosure started. My house was already sold, and they were already paid in XXXX of that year.…

I was suppose to close XX/XX/XXXX the XXXX XXXX my interest rate in Before I Closed on XX/XX/XXXX up under no intetrest forcing me to have to pay my first mortgage XXXX first in the amount of XXXX and I just got through paying closing cost plus moving expenses if I can get help with this situation it will be Highly XXXX

Im filing a complaint regarding my mortgage serviced by loanDepot. My property was remapped out of a XXXX flood zone in XXXX and no longer requires flood insurance. In XXXX, I received a letter from city of XXXX informing me of the remapping. I sent a copy to loanDepot but was informed the letter wouldnt work BUT they would keep an eye on the flood map update and remove the flood insurance requirement. They did not advise of any XXXX requirements. Fast forward to XX/XX/XXXX, after all these years of paying for flood insurance, I started shopping for quotes from my insurance agent, I noticed my flood zone designation was showing as low risk- no longer high risk and no longer a requirement for flood insurance. I called my lender and a loanDepot representative instructed me not to renew my flood insurance policy and to submit the XXXX once it was completed by XXXX. I relied on this guidance.…

My mortgage payment keeps going up and up they knew that I was on a fixed income but that doesnt seem to matter Ive adjusted my insurance already but they keep saying my escrow shortage I feel like they keep raising my mortgage to force me out of my house

Ive asked loan depot to stop calling me XXXX separate times and they wont stop. Its now reached the level of harassment. They have called XXXX times since XXXX. Which is XXXX business days ago.

This loan with the Loan Depot has basically ruined my life. I did this refinance to help with payments but instead this made it worse. Information not disclosed properly. It was supposed to reduce payments including escrow but instead increased the total. I was struggling south previous payments do did this refinance to reduce. I was informed it would. It was also put solely in my name excluding spouse. I was also approved for a payment that was at least XXXX of my monthly take home pay. That is not sustainable. Please dont use the excuse I signed the closing documents. I did and wish I had not but I was ill informed. This has put extreme hardship on my family with risk of losing our home. It also highly increased our principal making it impossible to sell at any profit. We are now forced to sell due to this mortgage!

I hold FHA Loan XX/XX/XXXXXXXX with loanDepot LLC on the property at XXXX XXXX XXXX XXXX, XXXX AZ XXXX. On XX/XX/XXXX the Town of XXXX issued a formal Notice and Order declaring the property unsafe under the XXXX Uniform CXX/XX/XXXXe for Abatement of Dangerous Buildings citing XXXX XXXX violations including an imminent fire hazard and suspending the certificate of occupancy. I submitted a hardship affidavit requesting immediate FHA forbearance citing the official unsafe structure determination and estimated repair costs of {$10000.00} to {$14000.00}. LoanDepot has refused to cooperate with my forbearance request despite an active official government finding that the property is uninhabitable. I have also filed with XX/XX/XXXXXXXX, the XX/XX/XXXXXXXX XXXX under Service RequestXX/XX/XXXXXXXX, and the Arizona Attorney General documenting a broader pattern of fraud associated with this property.…

I am submitting a complaint regarding loanDepot.com, LLCs mortgage servicing and foreclosure conduct. I am not the borrower on this loan. The borrower, XXXX XXXX XXXX, is deceased. I am an heir, occupant, and named defendant in the foreclosure action involving the subject property. loanDepot initiated and continues foreclosure activity without adequately demonstrating that it is the party entitled to enforce the mortgage and note against the estate or its heirs. The loan has an original principal balance of approximately {$140000.00}, and the company currently claims a balance of approximately {$130000.00}, plus interest, fees, and costs. Documents associated with the loan indicate that it was included in a securitization structure, in which loanDepot.com, LLC is identified as a servicer while rights to the mortgage assets were transferred into and are held within a trust administered by a trustee.…

Hi, My wife and I took out a XXXX year mortgage with Loan Depot when we purchased our home in XX/XX/XXXX. For the first year, our monthly payment was {$4200.00}, consisting of {$3500.00} for principal and interest and {$710.00} for escrow. This aligned with our actual tax and insurance obligations : our homeowners insurance premium was {$2100.00}, and our quarterly property tax bills were {$1600.00}, {$1600.00}, {$1500.00}, and {$1500.00}, totaling {$6400.00}. Altogether, {$8500.00} was required for taxes and insurance, which breaks down to {$710.00} per month. On XX/XX/XXXX, I received my escrow account disclosure summary for the upcoming year. It stated that my monthly payment would increase to $ XXXX increase of {$310.00}. Sensing something was wrong, I contacted Loan Depot on XX/XX/XXXX before reviewing the details. The representative told me that escrow calculations follow certain guidelines, but did not provide clarity. After the call, I reviewed the statement myself.…

On XX/XX/year>, I submitted a Notice of Error under RESPA ( 12 CFR 1024.35 ) requesting information and correction regarding my mortgage loan. Specifically, I requested : A full and accurate payment history A breakdown of all amounts claimed due, including fees and advances Information regarding loss mitigation review and available options Copies of any notices of default or acceleration Clarification of how my loan was evaluated for assistance The servicer acknowledged receipt but has failed to provide a response within the required timeframe. It has now been over 60 days with no response. This loan is currently in foreclosure litigation, and the servicers failure to respond is impacting my ability to resolve the matter.