Mortgage -- Trouble during payment process -- Complaint #7714984
Complaint Overview
Complaint ID: 7714984
Company: Ld Holdings Group, LLC
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Trouble during payment process
Sub-Issue: Fees charged
State: California
ZIP Code: 94582
Date Received: 2023-10-17T12:00:00-05:00
Date Sent to Company: 2023-10-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have 3 loans with Loan Depot, I always use XXXX and XXXX XXXX XXXXXXXX online bill pay to pay all 3 mortgages same day, Loan Depot charges late fee if no payment received by XXXX. XXXX XXXX XXXX, I use XXXX online bill pay to pay monthly mortgage since XX/XX/XXXX, never had any problem. XXXX XXXX, I used XXXX XXXX XXXX online bill pay to pay monthly mortgage since XX/XX/XXXX, XXXX mailed checks to loan deport typically very quickly. I had 2 late fees from Loan Depot, after I talked to Loan Depot, they waived those fees due to their delayed processing of check from XXXX XXXX XXXXXXXX online bill pay. XXXX XXXX XXXX, I used XXXX XXXX XXXXXXXX online bill pay to pay monthly mortgage since XX/XX/XXXX, Loan Depot charged me 5 late fees ( {$290.00} XXXX ) so far, I called them, Loan Depot agreed to waive 2 late fees due to their delayed processing of check from XXXX XXXX XXXXXXXX online bill pay. They still keep 3 late fees, they said XXXX mailed those 3 checks late, I called XXXX XXXXXX/XX/XXXX with case number XXXX and mailed them all the docs per their request. ( they do not allow email ) I followed up XX/XX/XXXX, XXXX pm, after listening to music 32 minutes, the customer service rep XXXX XXXX employee ID XXXX ) said they can NOT do anything about it, your help will be greatly appreciated. With details below I requested XXXX online bill pay XX/XX/XXXX, XXXX mailed check XX/XX/XXXX, XXXX online banking showed payment clear XX/XX/XXXX, met Loan depot payment deadline, they shall not charge me late fee, they shall waive it. I requested XXXX online bill pay XX/XX/XXXX, XXXX mailed check XX/XX/XXXX, Loan depot processed payment XX/XX/XXXX. XXXX shall reimburse me late fee I requested XXXX online bill pay XX/XX/XXXXXXXX XXXX mailed check XX/XX/XXXX, Loan depot processed payment XX/XX/XXXX. XXXX shall reimburse me late fee XX/XX/XXXX, Loan Depot offered me the option to pay from Loan Depot online account which will complete payment within 1 biz day. From now on, I will stop using XXXX online bill pay, and only pay from Loan Depot online account, to avoid future headache.
Frequently Asked Questions
What is Complaint #7714984 about?
Complaint #7714984 was filed against Ld Holdings Group, LLC regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2023-10-17T12:00:00-05:00.
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.