Mortgages
Ld: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 137
- Closed with money back
- 0%
- 2023 to 2025
- 49 to 46
Servicemembers filed 17.3% of Ld's 792 complaints in the window, against 2.5% across the directory. The complaints are mostly about mortgage, and the single most common issue is "Trouble during payment process". 0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count held roughly steady: 49 in 2023 and 46 in 2025.
What the complaints are about
By product
| Mortgage | 111 |
| Credit reporting or other personal consumer reports | 18 |
| Credit reporting, credit repair services, or other personal consumer reports | 6 |
| Debt collection | 1 |
| Payday loan, title loan, or personal loan | 1 |
By issue
| Trouble during payment process | 51 |
| Struggling to pay mortgage | 27 |
| Incorrect information on your report | 15 |
| Closing on a mortgage | 14 |
| Applying for a mortgage or refinancing an existing mortgage | 11 |
| 2023: 49 | 2024: 42 | 2025: 46 |
Which accounts, specifically
| VA mortgage | 92 |
| Conventional home mortgage | 33 |
| Credit reporting | 27 |
| FHA mortgage | 17 |
| Home equity loan or line of credit (HELOC) | 6 |
What went wrong, specifically
| Escrow, taxes, or insurance | 18 |
| Payment process | 15 |
| Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure | 13 |
| Trying to communicate with the company to fix an issue while managing or servicing your loan | 13 |
| Account information incorrect | 10 |
Busiest month: March 2024, with 10 servicemember complaints. Most were submitted by web.
Most complaints came from FL (21), GA (14), TX (14) , then CA, AZ, VA.
How Ld answered
| Closed with explanation | 137 | 100% |
Ld responded within the CFPB's 15-day window on 98% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Mortgage; Problem with a company's investigation into an existing problem. KY, 2024-08-31. Outcome: Closed with explanation. Complaint 9979451
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Mortgage; Trouble during payment process. IL, 2024-08-26. Outcome: Closed with explanation. Complaint 9927236
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Credit reporting or other personal consumer reports; Incorrect information on your report. FL, 2024-08-10. Outcome: Closed with explanation. Complaint 9789917
If this is your problem at Ld
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with mortgages peers
- CrossCountry Mortgage 134 servicemember complaints; 1% with money back
- Fay Servicing 129 servicemember complaints; 0% with money back
- Selene 126 servicemember complaints; 0% with money back
- Lakeview Loan Servicing 156 servicemember complaints; 0% with money back
- Veterans United 167 servicemember complaints; 0% with money back
Next in the directory by volume: Ford Credit, Sequium Asset Solutions, Cavalry Investments.
Frequently asked questions
How many complaints did servicemembers file against Ld?
137 complaints tagged servicemember were received by the CFPB about LD Holdings Group, LLC between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count held roughly steady: 49 in 2023 and 46 in 2025.
What do servicemembers complain about most at Ld?
Mortgage accounts for 111 of the 137 complaints, and the most common issue is "Trouble during payment process" (51). Next: "Struggling to pay mortgage" (27).
Does Ld give money back when a servicemember complains?
0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 0 closed with non-monetary relief and 137 closed with an explanation only. Ld answered 98% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.