Consumer complaint received 2019-07-22
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Dear Sir/ Madam I am a Td bank customers for many years, I had three mortgage loans XXXX & XXXX & XXXX and recently closed loan on XX/XX/2019 loan # XXXX. I started my Loan application with XXXX XXXX XXXX XXXX XXXX XXXX ( MLS XXXX ) back on XX/XX/2019, all documents were submitted before the Loan officer contacted me to the fax number provided by loan originator XXXX XXXX XXXX after a week a loan officer named XXXX -XXXX XXXX contacted me to ask for the documents I submitted by informing me nothing at her file and I have to resend all again. she stopped return my calls or email for healthy information for my Loan this caused me to call back XXXX XXXX to ask her to be a connector and deliver my massage and concerns, I was told that they work at two different buildings and she will try to email her. after two month of suffering with that loan officer I was told that she was terminated and my loan assigned to a new loan officer XXXX XXXX XXXX works under manager XXXX XXXX XXXX non of all names and numbers call back or email me back. XXXX XXXX called once to inform that she is the new loan officer and never call back. it is disrespect to their customers who I am one of them. the miscommunication caused that on XX/XX/2019 the previous closing date I discovered that they charged me cost for TWO POINTS {$7700.00} but i bought only ONE POINT TO REDUCE THE RATE TO % 4.125 RAISING UP CLOSING COST TO {$16000.00} ( therefore I have to stop closing and asking them to correct their errors. part of the errors was corrected which the price for two points, but they also repeated a new error which over charge under escrow ( the house I refinance it is under TD bank mortgage and it's mortgage including escrow too means TD bank pays for property tax and home owner insurance therefore there were no need to charge me again for the same property tax and home owner insurance which is paid and up to date under loan # XXXX ) I have to pay at the closing $ escrow {$3100.00} which is paid under the above loan number I refinanced! .not even that but the above loan balance was {$98000.00} at the new closing date XX/XX/2019 they charged me for {$98000.00} ( higher than the loan balance {$270.00} ). 
I requested to pay off my line of credit loan balance amount {$170000.00} under line of credit loan number XXXX but the bank charged me {$170000.00} XXXX higher than the loan balance {$970.00} XXXX total over charge under both loans {$1200.00} plus the unauthorized escrow {$31000.00} = {$4400.00}. 
On XX/XX/2019 I called all names listed to me whom works on the above closing for loan XXXX and no one answer different than XXXX XXXX XXXX who SAID CONTACT YOUR LOAN OFFICER. 
ADDITIONAL the recent closed loan # XXXX was rated and I paid for and Title company closed for interest rate % 4.125 but after closing I discovered that the rate online % 4.13. 
I do not know what I have to do more, I gave up and I lost money under false charges fees from TD bank please help me and advise me what I can do? 
Only one of their worker Ms. XXXX XXXX XXXX was helping me within her limitation of authorization.

Company response to consumer: Closed with explanation