Consumer complaint received 2016-01-31
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Back around XXXX, we almost went into a foreclosure and after begging and dealing with a different person every time we tried, we finally made progress. We did this for about three years. Finally in XXXX they agreed to stop foreclosure and redo our mortgage agreement which was like a XXXX page document ( attached ) ... .Let me give a brief synopsis as to why we are looking to the Federal Consumer Bureau to start an investigation : Shortly after we made the initial XXXX trial mortgage installments of XXXX ( totals XXXX ) Then our back taxes were XXXX, XXXX XXXX from TD, send us another page saying our escrow/taxes was now XXXX. ( she mistakenly added our XXXX to the back taxes which gives you this XXXX XXXX ( attached ). This is wrong, our XXXX payment was to be paid on mortgage per agreement. This lady added it to our back taxes. I also made a payment bringing down the back taxes to around XXXX which was to spread out over 36 months. TD is XXXX who set the tone of how many months ( XXXX ) NOT ME. the back taxes and the amount XXXX for 36 months which comes to : XXXX x 36 months = XXXX ( 3 years of back taxes ) My XXXX was misappropriated, applied wrongly. I discussed this with a loan guy at TD who saw it as well. The only guy who agreed to what I was explaining. But not in authority to do anything, this is ludicrous. No one will speak to us at the bank. I have been fighting them since and trying to reach out, they just keep transferring you to another department!!! so frustrating. Even the bank attorney XXXX XXXX, XXXX was suppose to have a conference call last week with us and our lawyer XXXX XXXX, but he never called in. Unprofessional - cause I believe they know they are wrong and can not come up where they misappropriated my XXXX which is floating around somewhere. Then we started to notice the bills we are receiving for quite sometime saying my taxes were XXXX a month. My taxes have been monthly XXXX to give or take 850 month in the past few years. I called XXXX and they verified. I even made a payment during the year of XXXX cause the XXXX said TD did n't make payment. Do n't think I was ever credited for that. Not my biggest concern right now. 
Since around XXXX of XXXX, the TD billing shows XXXX a month for taxes - they claim I did n't pay enough escrow. Again this is wrong, my taxes are around XXXX a year not XXXX ... XXXX a month is XXXX year for taxes, this is wrong. 
The incompetency of their billing dept and/or loss mitigation is way off and needs to be investigated. 
Now they say we owe attorney 's fees from back when we were in foreclosure, it was never disclosed on the new agreement signed. These attorney fees that they mention were not on the new mortgage agreements that were signed by me in XXXX, it was never disclosed that I had to pay any fees. If it was the case, it should have been detailed in the new agreement added onto the new payment. Who is to say, I would have agreed to any extra monies/fees ... I may have said keep the house. 
We 're getting a different bill every few days with different amounts ( attached ). Now I 'm receiving bills charging me an extra XXXX a month ( saying its for taxes and/or insurance. ). 
There are too many discrepancies to discuss via complaint. Even my attorney does n't understand their logic. I firmly believe that I am right numbers do n't lie.

Company response to consumer: Closed with explanation