Consumer complaint received 2016-10-17
Company: TFS FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
READ Entire Dispute attached XXXX XXXX, 2016 Third Federal -Request for Original Loan Level Documentation to CFPB Entire Dispute On XXXX XXXX, 2016 at approximately XXXX I went to the Third Federal Savings and Loan, located at XXXX XXXX, in XXXX , Ohio XXXX. I requested to speak with the person who was in charge with running the branch. I was directed to speak with XXXX XXXX ( XXXX # XXXX ). I informed her that I had some concerns. I requested the status of the loan which was associated with my name. I provided her with the following Loan # XXXX. She informed me that the loan was in Default Services. I asked her how it could be in default services when the loan was rescinded. I informed her that I ran my credit report and it showed there was a XXXX balance associated with the loan. She stated that she was unfamiliar with a Rescission. I informed her that she needed to read the XXXX vs.XXXX case and any of the the AMICUS briefs pertaining to rescission. I informed her that I read them all. I then asked her where the payments went that were previously paid toward this loan. She informed me that that Third Federal receives the payments. I then asked what accounts the payment are deposited into. She again informed me that the payments are made to Third Federal Savings and Loan in XXXX Ohio. I asked her what man or woman is actually receiving the payments. She again informed me that it was Third Federal. I told her Third federal is an entity. I then asked her that if I was going to sue someone, I am quite certain that Third Federal ( the building ) would not be able to come into court. I asked her who would show up in court. She than stated that Third Federal Savings and Loan is made up of a Board of Directors. She than began to type some information into the system. She stated something about payments. I then asked her if there were any payment made into escrow. She pulled up some information in the system and asked me when I sent in the rescission. I stated around XXXX. I informed her that if she does not have any record that the loan was rescinded I could get someone from the Consumer Financial Protection Board to confirm that it was rescinded. The complaint # is # XXXX filed XXXX ( OMB # XXXX ). I also pulled out the Settlement Statements. I received one at closing with page XXXX cut off from line item XXXX down.When I received the Settlement Statement from XXXX XXXX included lines XXXX down however they were not in numerical order. It went from line item XXXX to XXXX. It skipped lines XXXX-through XXXX in the column on the LEFT side. In the column on the RIGHT side it skipped line items XXXX through XXXX ). The skipping of line items also occurred throughout the entire settlement statement. It appears to be manipulation and possible falsification of the documentation. Her next statement startled me. She stated " What do you want me to do cut a check. '' I was surprised she made such a statement. I did not respond to the question. She stated that she would get someone from Third Federal Savings and Loan in XXXX on the phone that could better assist me. She connected me to XXXX XXXX, Legal Analyst in Default Servicing -Legal. I had an interaction with him in the past. He responded to a letter that I sent to Third Federal requesting information on who created the Addendum to the HUD-1 Settlement Statement, Escrow NO ; XXXX, and for what purpose. He stated it was created and compiled by Esquire Title so the parties involved can acknowledge receipt and review of the HUD-1 Settlement Statement. I presented XXXX XXXX with the same question as XXXX XXXX. He informed me that I owe XXXX to Third Federal Savings and Loan and he asked me why I felt like I did not owe it. I informed him that I participated in a Credit Transaction

Company response to consumer: Closed with explanation