Mortgage -- Trouble during payment process -- Complaint #18584084
Complaint Overview
Complaint ID: 18584084
Company: Ld Holdings Group, LLC
Product: Mortgage
Sub-Product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-Issue: Payment process
State: Hawaii
ZIP Code: 967XX
Date Received: 2026-01-08T12:00:00-05:00
Date Sent to Company: 2026-01-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
Subject / Trigger : Inaccurate Reporting of XXXX XXXX Payment by LoanDepot Complaint / Statement : LoanDepot prematurely and inaccurately reported my XXXX XXXX payment as late, despite evidence of autopay activation and good-faith payment. I am disputing an inaccurate late payment reported by LoanDepot for XXXX XXXX XXXX XXXX XXXX XXXX, I made the third consecutive manual payment, which cleared my XXXX XXXX XXXX account on XXXX XXXX XXXX confirmed by enclosed XXXX statement. According to LoanDepots contract, autopay activates after the third manual payment, and their website showed autopay active for XXXX when the XXXX payment was manually entered, so I reasonably expected the XXXX payment to process automatically. LoanDepots internal report contradicts the XXXX XXXX XXXX documentation, proving that LoanDepot prematurely reported the XXXX payment as inaccurately late. Upon discovering the missed autopay, I immediately made a double payment to cover the inaccurately reported late payment, which was not applied until XX/XX/XXXX due to LoanDepots processing delay. Despite this, LoanDepot reported the XXXX payment as late within two weeks, causing my XXXX credit score to drop. This reporting was therefore premature, factually inaccurate, and entirely the result of LoanDepots system error, not my actions. Attachments : XXXX XX/XX/XXXX payment cleared XX/XX/XXXX XXXX LoanDepot report showing no XXXX payment processed XXXX Double payment applied XX/XX/XXXX XXXX Screenshot showing autopay active for XXXX after XXXX XXXX XXXX Emails/ letters confirming system delay
Frequently Asked Questions
What is Complaint #18584084 about?
Complaint #18584084 was filed against Ld Holdings Group, LLC regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2026-01-08T12:00:00-05:00.
How did Ld Holdings Group, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Ld Holdings Group, LLC?
Yes, visit the Ld Holdings Group, LLC company profile at readthecomplaint.com/company/ld-holdings-group-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.