LoanDepot Mortgage Complaint

LoanDepot Mortgage department,

VA mortgage Application, originator, mortgage broker Idaho

I recently contacted Loan Depot and was put in touch with - - - and received an introductory email from him on -/-/-. I later called him and discussed, at length, my desire to do a VA REFI consolidation loan to pay off my existing credit card debt. As I told - -, this was my secondary reason for wanting to refinance my home. The primary reason was due to my desire to change mortgage lenders. I explained to - -, that for over five years, - repeatedly refused to mail financial and other correspondence to me at my designated mailing address and continued to send this information to my property address. This was subjecting my financial information to compromise by persons rifling the mailboxes and/or unknown persons receiving my improperly cased mail from the postal service. I was a victim of identity theft during the late -/-/- and law enforcement requested I set up a secure postal address from which to receive my mail. I was constantly being harassed by - in this regard and finally contacted Loan Depot. During my first five ( recorded ) calls to - -, I made it very clear to him ( and


only send mail to that address and notify all parties and agencies involved in the REFI that NO mail should be sent to my property address under any circumstances. - - told me he could do that and claimed he had done so when we next spoke on the phone. He also told me not to worry about anything, that he had done as I requested and I had his assurances that what I experienced with - would not happen with Loan Depot or the servicing agent. I was told that everyone involved with my loan would be properly informed of the correct address for mail. I had the same conversation with - -, when he took control of the loan from - - and he told me in a phone conversation in late -/-/-, that my correct mailing address was in the system along with a note on where to send my correspondence. I felt assured that I would not experience the same mailing issues I had with - and relied on the promises of both men not to worry about the matter anymore. I trusted what they told me! However, on -/-/-, I contacted - - by email and told him that I did receive the copies of my loan disclosures at my correct mailing address, but had not yet received my new loan payment documents. I told him I was concerned about missing my first payment and wanted to get things rolling. He sent me a reply that I should have the documents by -/-/-. When I did not receive the documents by -/-/-, I called the customer service line as instructed. I was informed by - that my property address was the only address showing in the system and there was no note regarding the mailing of documents to me. The point in this matter is that I was lied to by several of your employees or agents in order to secure a refinance on my home through Loan Depot. If it is possible to undo this loan I would do so right now, because I feel I have been intentionally deceived by a financial organization for their own profit. If I had been told by these men that no assurances could be provided about my address then I would not have gone forward with this loan. The loan was authorized by me to proceed based upon the assurances and promises of these two men, which has since been proven to be a lie. It does not matter if there is one system or five systems involved in this issue. What matters is that I was assured that EVERYONE involved in my REFI and servicing of this loan would be notified as to the correct mailing address, which clearly was NOT done.