Consumer complaint received 2017-03-20
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY (FL)

*** All information detailed herein is supported by attached email documentation*** After receiving a prequalification letter in the mail from TD Bank on XX/XX/XXXX I completed an application for a Home Equity Line of Credit to replace the existing one I have for the same amount. On XX/XX/XXXX I received notification from TDBank indicating my credit score to be XXXX. On XX/XX/XXXX I received another letter stating that my Home Equity Account application had been conditionally approved based on information provided. 
- On XX/XX/XXXX I submitted requested documentation to TDBank and notified assigned loan officer XXXX XXXX by email. 
- On XX/XX/XXXX additional documents were requested by XXXX XXXX which I submitted on XX/XX/XXXX. 
- On XX/XX/XXXX XXXX XXXX stated via email that the only other document needed now was an escrow analysis of the subject property. 
- On XX/XX/XXXX requested information sent to XXXX XXXX. 
- On XX/XX/XXXX underwriter sent file back to XXXX XXXX for more information. 
- On XX/XX/XXXX i submitted requested information. 
- On XX/XX/XXXX underwriter requested additional information. 
- On XX/XX/XXXX I submitted requested information to XXXX XXXX. 
- On XX/XX/XXXX underwriter requested additional information. 
- On XX/XX/XXXX I submitted information requested to XXXX XXXX. 
- On XX/XX/XXXX underwriter requested additional information. 
- On XXXX/XXXX/XXXX I submitted additional information requested by underwriter. 
- On XX/XX/XXXX XXXX XXXX contacted me by telephone and stated that the underwriter could not understand the income shown on the paystubs as they related to my employment with the XXXX. I indicated to XXXX XXXX that the paystubs if multiplied accordingly, would provide the annual income I had reported. I additionally stated that the underwriter did not wish to verify my income with my employer. 
- On XX/XX/XXXX XXXX XXXX contacted me by telephone and stated that the underwriter was going to deny my Home Equity loan because she could not understand the math in the paystubs and could not include my income from the school board in the overall calculations. I expressed shock and informed XXXX XXXX why the underwriter had refused to contact my employer. I also stated that XXXX XXXX from XXXX had no problems verifying same income from my employer in XX/XX/XXXX. I also conveyed to her that the underwriter continued to ask for additional documentation, after she, XXXX XXXX, had stated that the file was complete? 
- On XX/XX/XXXX i received a letter from TDBank denying my Home Equity loan application. 
- On or about XX/XX/XXXX I informed XXXX XXXX that I considered this action discrimination due to my age ( XXXX years old ), as proven by the number of times the underwriter continued to ask for addiitional documentation as to discourage me from continuing and the fact that she refused to contact my employer. XXXX XXXX stated that her supervisor would contact me. 
- On or about XX/XX/XXXX XXXX XXXX 's supervisor contacted me. I told him that the underwriter had made a decision without verifying my income with my employer and also trying to discourage me from continuing the loan. The supervisor agreed that the underwriter had to contact my employer, but that she was simply very incompetent. I submitted to XXXX XXXX information to contact my school board employer again. 
- On XX/XX/XXXX XXXX XXXX asked for personal documentation to contact the XXXX which I readily provided on XX/XX/XXXX. 
I consider myself a victim of age discrimination. TDBank did everything possible to discourage me from continuing my application. The process, which was initiated on XX/XX/XXXX was still trying to be resolved on XX/XX/XXXX,115 days.There has not been any more communication from TD Bank , the last being from XXXX XXXX via email dated XX/XX/XXXX at XXXX. 
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