Consumer complaint received 2020-09-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (NC)

TD Bank collected fees and appraisal money to refi my loan, provided me with a 90 day lock and then failed to close my loan by not making a good faith effort to do so. I provided every document they requested in less than 24 hours and responded to every request for information in less than 24 hours. In some cases I provided the same information up to 8 times to several different people ( all copied on the emails ). 

They allowed the lock to expire on purpose. They made no effort to follow up internally or to escalate internally despite my repeated attempts to get them to escalate the loan. 

I submitted a complaint to the CFPB XXXX on XXXX after my tentative close date ( XX/XX/XXXX ) passed and they failed to communicate anything to me regarding why they have not underwritten the loan. All of my complaint information was ignored and my complaint was closed. Below is their response in that complaint : " We have been in constant contact with the consumer and the attached letter was mailed to him. No follow up actions are anticipated other than as stated below. The letter explains as follows : We thank the consumer for taking the time to share his concerns with us regarding his recent conventional refinance loan application process and experience. We are writing in connection with the case that was sent to the Consumer Financial Protection Bureau on XX/XX/XXXX. After an additional complete review of the file in question, TD Bank has determined that the consumer 's application is still in process and additional items have been requested. '' " We have been in constant contact '' This is a lie as all calls are ignored and go to full voicemail boxes. The only way I was able to escalate was to call the 1800number and convince someone on the other end to give me the direct line of someone's manager 's, manager. 

" No follow up actions are anticipated other than as stated below '' This was also a lie. Even though the bank already had all the information necessary to close my loan ( I have closed many loans with many banks to know ) they again requested more and more information. In one case they requested my employment history and I sent them my employment history NO LESS THAN 8 times. See attached documents. 

" After an additional complete review of the file in question, TD Bank has determined that the consumer 's application is still in process and additional items have been requested. '' This is also a lie. My loan is no closer to being completed. My 90 day lock expires on XX/XX/XXXX and they will not return my fees. 

Basically I paid ~ {$600.00} in fees, lost the difference of several months of additional mortgage payments with my current lender ( which when calculated amounts to {$10000.00} or more ) and lost countless hours over three months calling and emailing and pushing the people at TD Bank to do the thing I paid them to do. 

They have not completed my loan in good faith. My lock expires on XX/XX/XXXX and they have not scheduled closing or notified the attorneys or notified a notary. This loan is all but dead. 

In the entire 90 days, I can take responsibility for maybe 5 business days of that delay as I submitted all the documents needed to close on XXXX and within 24 hrs of all requests. 

I applied and locked the loan on XXXX. I was given a 90 day lock at the mortgage officers behest. I prefer to have 45 day locks. I provided all documents on XXXX and I believe the appraisal fee and credit report fees were collected on XXXX. It took three weeks to schedule an appraisal ( much longer than average ). The appraiser submitted the appraisal to TD bank during the week of XX/XX/XXXX and TD accepted the appraisal on XX/XX/XXXX. 

From XX/XX/XXXX to XX/XX/XXXX I requested the processers and underwriters to work on my loan and proactively requested they call or email me with any additional requests. 

On XXXX I was requested information. I replied with all information on XXXX. 

On XXXX I requested a close date. ( Calls ignored, voicemail with full voicemail inboxes. Email sent, ignored ) On XX/XX/XXXX I requested an update. I was ignored. ( Calls ignored, voicemail with full voicemail inboxes. Email sent, ignored ) EMAIL : from : XXXX XXXX XXXX to : '' XXXX, XXXX NMLS XXXX '' <XXXX> cc : '' XXXX, XXXX XXXX NMLS XXXX XXXX <XXXX> date : XX/XX/XXXX, XXXX XXXX Hello, can I get an update? What is the status of the loan closing? What are we waiting for? Are we on track to close on schedule? 
Thanks -- XXXX On XX/XX/XXXX I requested an update. I was ignored. ( Calls ignored, voicemail with full voicemail inboxes. Email sent, ignored ) from : XXXX. XXXX XXXX to : '' XXXX, XXXX NMLS XXXX '' <XXXX>,  " XXXX, XXXX XXXX NMLS XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX subject : Re : # XXXX XXXX : Refinance XX/XX/XXXX, XXXX XXXX to XXXX, XXXX Hello XXXX, XXXX My alleged closing is supposed to happen very soon. I have not heard a peep from anyone at TD What is going on? Should I be concerned that this is not going to happen? 
Am I going to lose my money on my appraisal? 
Please someone tell me what is going on? 
Very concerned -- XXXX On XX/XX/XXXX I received a reply from the loan officer restating the request for information from XXXX. On XX/XX/XXXX I replied that I had already sent that information and that I had already sent my taxes twice. 

On XX/XX/XXXX I sent all information again and included information on a new credit card. I opened up. 

On XX/XX/XXXX XXXX the LO states in an email : Hi XXXX , It looks like we have all we need to finalize this application. Can you send the file back to the underwriter for the file review? 
I appreciate your help. 
Thank you, On XX/XX/XXXX XXXX ( 2 days until tentative close date ) I requested an update : from : XXXX. XXXX XXXX to : '' XXXX , XXXX NMLS XXXX '' <XXXX> cc : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX subject : Re : # XXXX XXXX : Refinance Still waiting for an update here . What is the hold up please? 

Loan officer replies : from : XXXX, XXXX XXXX NMLS XXXX <XXXX> to : '' XXXX. XXXX XXXX '' `` XXXX , XXXX NMLS XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX subject : RE : # XXXX XXXX : Refinance Hi XXXX, Customer has all the documents . What are we waiting for? 
Thank you, XX/XX/XXXX tentative closed date missed. 

I call TD Bank 1800 number and escalate to as many managers as possible. Nobody takes responsibility or is able to get me the right people on the phone. Hardly anyone picks up the phone and no responses to email. 

from : XXXX. XXXX XXXX to : '' XXXX, XXXX NMLS XXXX '' <XXXX> cc : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX subject : Re : # XXXX XXXX : Refinance I am left with no choice but to escalate to your managers on this. 

I have no idea what is going on. We are like a month past appraisal and no action has been taken to close my loan despite numerous phone calls and emails. 

-- XXXX On XX/XX/XXXX I file a CFPB complaint in the hopes of escalating my loan and getting it worked on. I call TD Bank and I am able to convince someone to give me information on Ms. XXXX 's manager so I can call and email them. I receive the email XXXX. This turns out to be a bad email address. Her actual email is XXXX from : XXXX. XXXX XXXX to : XXXX cc : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX>, " XXXX, XXXX NMLS XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX Hello XXXX, I haven't been able to close my loan in an appropriate amount of time. I haven't even been able to reach the processor ( XXXX ) and have had little contact with the loan officer ( XXXX ) on the matter unfortunately My tentative closing was XX/XX/XXXX. That has now come and gone without so much as a peep. For context I applied for the loan on XXXX and uploaded all my docs on XXXX. Appraisal was completed and submitted last week of XXXX. I have yet to hear anything about closing. I have little choice but to escalate through your management structure at this point. Simultaneously I have opened a CFPB complaint. 

CFPB ID FOR COMPLAINT SENT TO TD BANK XXXX Hopefully someone over there can be troubled to actually close my loan in the next few days. 
-- XXXX [ phone number redacted ] from : XXXX. XXXX XXXX to : XXXX cc : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX>, " XXXX, XXXX NMLS XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX subject : Re : # XXXX XXXX : Refinance XXXX/XXXX I tried calling you and your voicemail is also full. Apparently XXXX is not the correct email ( it was given to me by an associate at TD ). 

It seems impossible to get through to anyone over there. 

Please read the below and respond accordingly. Thank you -- XXXX [ phone number redacted ] from : XXXX, XXXX XXXX NMLS XXXX <XXXX> to : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX>, " XXXX. XXXX XXXX '' <XXXX>,  " XXXX , XXXX NMLS XXXX '' <XXXX>, `` XXXX , XXXX XXXX NMLS XXXX '' <XXXX>, " XXXX, XXXX XXXX NMLS XXXX '' <XXXX>, `` XXXX, XXXX NMLS XXXX '' <XXXX> date : XX/XX/XXXX XXXX XXXX XXXX subject : RE : Still waiting for a closing date Hi XXXX , I am reviewing the file and we need updated docs on this loan. The paystubs and bank statements are expired. I am going to have the underwriter review the file thoroughly. XXXX, can you please review this file thoroughly in the morning and advise on what we need to get this file completed. Please. 

from : XXXX, XXXX XXXX NMLS XXXX <XXXX> to : '' XXXX. XXXX XXXX '' <XXXX>,  " XXXX, XXXX XXXX XXXX XXXX '' <XXXX>, " XXXX, XXXX NMLS XXXX '' <XXXX>, `` XXXX , XXXX XXXX NMLS XXXX '' <XXXX>, " XXXX, XXXX XXXX NMLS XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX subject : RE : Still waiting for a closing date Hi Mr. XXXX. It was pleasure to speak to you. As stated in the conversation, I will be in contact with you tomorrow. 
Thanks. 

from : XXXX, XXXX XXXX NMLS XXXX <XXXX> to : '' XXXX. XXXX XXXX '' <XXXX> cc : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX subject : items needed Hi XXXX, The underwriter has reviewed the file. There are a few things needed to close : 1 ) Proceeds to payoff and close : XXXX XXXX XXXX # XXXX still need 2 ) XXXX to provide copy of most recent paystubs with XXXX XXXX - paystubs in file expired 4 ) Current HOI declaration page, must include wind/hurricane coverage provided must be approved by HOI review team 5 ) Provide the following assets statements : a ) XXXX # XXXX XXXX statement b ) XXXX by XXXX XXXX # XXXX XXXX statement and b ) complete XXXX and XXXX statement for XXXX XXXX ( can not use print outs provided ) statements in file have expired 6 ) LOX for the following inquiries : XXXX XXXX/XXXX XXXX XX/XX/XXXX, CRB/upgrade XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX, XXXX XXXX/XXXX XXXX XX/XX/XXXX, and TD Bank/XXXX XXXX XXXX. Must address if any new debt resulted, if new debt must provide copy of current statement. 
Please provide the above information. 
I appreciate your help. 
Thank you, Hi Mr. XXXX, I wanted to reach out to you before it got too late. I had the underwriter review your file. The below is needed to complete the review. 


from : XXXX, XXXX XXXX NMLS XXXX <XXXX> to : '' XXXX. XXXX XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX subject : RE : Still waiting for a closing date Proceeds to payoff and close : XXXX XXXX XXXX # XXXX still need XXXX to provide copy of most recent paystubs with XXXX XXXX - paystubs in file expired Provide the following assets statements : a ) XXXX # XXXX XXXX statement b ) XXXX by XXXX XXXX # XXXX XXXX statement and b ) complete XXXX and XXXX statement for XXXX XXXX ( can not use print outs provided ) statements in file have expired LOX for the following inquiries : XXXX XXXX/XXXX XXXX   XX/XX/XXXX, CRB/upgrade XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX, XXXX XXXX/XXXX XXXX XX/XX/XXXX, and TD Bank/XXXX XXXX XXXX. Must address if any new debt resulted, if new debt must provide copy of current statement. 


On XX/XX/XXXX, I sent all documents and requests AGAIN. Some for the second and third time. 

from : XXXX. XXXX XXXX <XXXX> to : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX>, `` XXXX, XXXX XXXX NMLS XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX subject : Re : Still waiting for a closing date Let me know who else I should copy at this point. See attached for statements. 
[ 12 attachments ] from : XXXX. XXXX XXXX <XXXX> to : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX>, `` XXXX, XXXX XXXX NMLS XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX See attached for Letter of Explanation of Credit inquiries. 
-- XXXX from : XXXX. XXXX XXXX <XXXX> to : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX> cc : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX Attached are the opening statements for the new refi 'd mortgage and the equipment loan with lightstream. 


<Again, nothing happens for a few days> from : XXXX. XXXX XXXX <XXXX> to : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX> cc : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX subject : Re : Still waiting for a closing date Checking in. Where are we at on this? 
-- XXXX from : XXXX, XXXX XXXX NMLS XXXX <XXXX> to : '' XXXX. XXXX XXXX '' <XXXX> cc : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX Hi Mr. XXXX. I resubmitted your file back to underwriting late Friday. I will have an update for you tomorrow. Thank you. 


from : XXXX, XXXX XXXX NMLS XXXX <XXXX> to : '' XXXX. XXXX XXXX '' <XXXX> cc : '' XXXX, XXXX XXXX XXXX XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX subject : RE : Still waiting for a closing date 1 ) Proceeds to payoff and close : XXXX XXXX XXXX # XXXX 2 ) Provide the following information in response to credit inquiry letter : a ) XXXX XXXX/XXXX XXXX XX/XX/XXXX = land purchase, provide terms, b ) CRB/upgrade XX/XX/XXXX = new line, provide current statement, and c ) XXXX XXXX XX/XX/XXXX = refi XXXX XXXX XXXX, provide terms of new loan ( paid off XXXX/XXXX XXXX 3 ) Source large $ XXXX deposit made into XXXX # XXXX on XX/XX/XXXX -- - To be clear , at this point for number 1 ) they have all the information they need 5-6 times already. For number 2, I provided them will a signed letter on XXXX ( see above emails ) yet they continue to ask me for the same information. 

from : XXXX. XXXX XXXX <XXXX> to : '' XXXX, XXXX XXXX XXXX XXXX '' <XXXX> cc : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX subject : Re : Still waiting for a closing date 1 ) Proceeds to payoff and close : XXXX XXXX XXXX # XXXX Please call me XXXX. Not sure what you are asking 2 ) Provide the following information in response to credit inquiry letter : a ) XXXX XXXX XXXX XX/XX/XXXX = land purchase, provide terms, terms are not set yet. 
b ) CRB/upgrade XX/XX/XXXX = new line, provide current statement, There is no statement. It is un-utilized. Here is a screenshot. 
c ) XXXX XXXX/XXXX XX/XX/XXXX = refi XXXX XXXX XXXX, provide terms of new loan ( paid off XXXX XXXX I have already attached the new statement. Attached again. 
3 ) Source large $ XXXX deposit made into XXXX # XXXX on XXXXI sold my XXXX and paid off the car loan with the funds. On XX/XX/XXXX there was a payoff for {$32000.00}. See attached lien release ( dated XXXX ) <no response> from : XXXX. XXXX XXXX <XXXX> to : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX> cc : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX subject : Re : Still waiting for a closing date Update please? 
+11 days past tentative close +45 days past appraisal submitted still no close date in sight. 
thanks -- XXXX <no response to phone calls, voicemails or emails.> from : XXXX. XXXX XXXX <XXXX> to : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX> cc : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX subject : Re : Still waiting for a closing date Update please? 
+15 days past tentative close +49 days past appraisal submitted still no close date in sight. 
thanks -- XXXX XXXX <XXXX   @ TD indicates she will call me back sometime ( no hard time is given ) from : XXXX. XXXX XXXX <XXXX> to : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX subject : Re : Still waiting for a closing date +16 days past tentative close +50 days past appraisal submitted +76 days since application ... ..no close scheduled ... .. 


Sometime around XXXX I receive a call from XXXX @ TD ensuring me that everything is received and she was waiting on a " clear to close '' and that we should be able to close by XX/XX/XXXX. At this point, I was skeptical to say the least. 

On XX/XX/XXXX I receive this email from a new character at TD. 
Good morning XXXX, from : XXXX, XXXX XXXX NMLS XXXX <XXXX> to : '' XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX subject : XXXX XXXX I just tried to call you and left you a voice mail. I will need the below items today prior to noon if possible as we are trying to get your loan cleared to close. 
We will need a payoff from XXXX XXXX   for your mortgage. Please request a current payoff good for 30 days. 
I have reached your homeowners insurance co. with our loan amount you may not have enough coverage, they stated your coverage was only for {$250000.00} but she is going to send me the declarations page now but you would have to call to have it increased if the underwriting dept. will not accept it. 
You will need to send the credit accepted for XXXX XXXX XXXX on XX/XX/XXXX, we will need the terms of the loan from the lender. Also on CRB/upgrade from XX/XX/XXXX you will need to provide a current statement on that new line. 
You will also need to provide the source of the {$38000.00} deposit into XXXX XXXX XXXX on XX/XX/XXXX. We will need the following ( full account statement if it was a transfer from another account that is yours ) showing the money was withdrawn, if it is another source we will need proof of that source. 
Thank you <> I immediately call her back but get no response and a full voicemail. So I send an email. Two of their points have been addressed several times already. I send additional screenshots and re-address the old items at XXXX email. For the insurance item, I send email at XXXX from : XXXX. XXXX XXXX <XXXX> to : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX>, `` XXXX, XXXX XXXX NMLS XXXX '' <XXXX>, " XXXX, XXXX XXXX NMLS XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX subject : Re : XXXX XXXX Regarding the hazard insurance, I have called and authorized them to increase insurance coverage to $ XXXX. They will be sending you info shortly. 
-- XXXX from : XXXX, XXXX XXXX NMLS XXXX <XXXX> to : '' XXXX. XXXX XXXX '' <XXXX>, " XXXX, XXXX XXXX NMLS XXXX '' <XXXX>, " XXXX, XXXX XXXX NMLS XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX subject : RE : XXXX XXXX Good morning again Mr. XXXX, The attorney usually obtains this but this was not sent to your file. You can call and have them obtain it for you. Also for the credit accepted you will need to call and ask them for the terms in writing I can not get this for you. 
Thank you from : XXXX. XXXX XXXX <XXXX> to : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX> cc : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX>, " XXXX, XXXX XXXX NMLS XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX I asked XXXX XXXX   to fax you the Payoff statement for closing of XX/XX/XXXX. Sent to this fax [ XXXX ] [ XXXX ] Please confirm you got this XXXX. Thanks! 
-- XXXX from : XXXX, XXXX XXXX NMLS XXXX <XXXX> to : '' XXXX. XXXX XXXX '' <XXXX> cc : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX>, " XXXX, XXXX XXXX NMLS XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX subject : RE :  XXXX XXXX XXXX, They will need to email it directly to you or me as we are working from and do not have access to our fax machine. 


<I end up sending the document from my mortgage company via email shortly. I sent in email at XXXX> from : XXXX. XXXX XXXX <XXXX> to : '' XXXX, XXXX XXXX NMLS XXXX XXXX <XXXX> cc : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX>, " XXXX, XXXX XXXX NMLS XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX subject : Re :  XXXX XXXX What about the other 4 items? Have you made progress on them? I answered all your questions before XXXX. 
-- XXXX from : XXXX, XXXX XXXX NMLS XXXX <XXXX> to : '' XXXX. XXXX XXXX '' <XXXX> cc : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX>, " XXXX, XXXX XXXX NMLS XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX subject : RE :  XXXX XXXX Good evening XXXX, Some of the conditions the underwriter was able to sign off on  and some she was not. Also our QA team reviews loans as well and that team added more conditions. We have to go by XXXX XXXX and XXXX XXXX guidelines so in order to close the loan we must have all conditions. 
Please see below for the ones that were added by review and the ones that are still outstanding after I had sent the underwriter what you sent to me today. Also let me add I did get the updated homeowners insurance but it is in review currently with that underwriting team. 
Proceeds to pay off and close : XXXX XXXX XXXX # XXXX We will still need you or your attorney to obtain the payoff for the mortgage as I had emailed you I do not currently have a fax machine. 
Currently both your title and insurance are being reviewed. 
Added conditions below by our QA team Will need XXXX W2 for XXXX XXXX per employment history in file borrower was with XXXX in XX/XX/XXXX, therefore must provide a W2 or updated dates of employment. 
Complete 2 year employment history with month day and year of employment, borrower must address any gaps, this can be send by email. 


from : XXXX. XXXX XXXX <XXXX> to : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX> cc : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX>, " XXXX, XXXX XXXX NMLS XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX subject : Re : XXXX XXXX Payoff statement attached. all your items have been addressed today. All documents sent as requested ( again ) +17 days past tentative close +51 days past appraisal submitted +77 days since application -- XXXX <I send the below email to address all ( new and old questions ). I include my work history and gaps going back 3 years. The below email include 6 attachments : paystubs and W2 supporting my timeline in work history> from : XXXX. XXXX XXXX <XXXX> to : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX> cc : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX>, " XXXX, XXXX XXXX NMLS XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX subject : Re : XXXX XXXX 1 ) Already sent. 
2 ) How long will this take?

3 ) I do not have a XXXX W2 for XXXX XXXX. My first paycheck with XXXX XXXX proper was in XX/XX/XXXX. 
4 ) XXXX XXXX ( directly ) XXXX XXXX XXXX XX/XX/XXXX to current XXXX and XXXX for XXXX XXXX and XXXX XXXX XXXX XXXX ( via XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX for XXXX XXXX and XXXX XXXX   Unemployed XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ), Supp. Leverage & Non-material XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from : XXXX, XXXX XXXX NMLS XXXX <XXXX> to : '' XXXX. XXXX XXXX '' <XXXX> cc : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX>, " XXXX, XXXX XXXX NMLS XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX subject : RE :  XXXX XXXX Good morning XXXX, I just sent your file back to underwriting. I will let you know as soon as I hear back. 


from : XXXX. XXXX XXXX <XXXX> to : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX> cc : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX>, " XXXX, XXXX XXXX NMLS XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX subject : Re :  XXXX XXXX Good morning XXXX Please get a firm timeline from underwriting as " when I hear back '' is not an acceptable waiting period.

+18 days past tentative close +51 days past appraisal submitted +77 days since application Closing should happen next week and they need to be working within that timeline. 
-- XXXX from : XXXX, XXXX XXXX NMLS XXXX <XXXX> to : '' XXXX. XXXX XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX subject : XXXX XXXX Good afternoon XXXX, Please see below from our QA team. 
Our QA is asking for exact dates of employment for XXXX, XXXX XXXX, and XXXX XXXX. And they want borrower to address the gap. 
Thank you from : XXXX. XXXX XXXX <XXXX> to : '' XXXX, XXXX XXXX NMLS XXXX '' <XXXX>, `` XXXX, XXXX XXXX NMLS XXXX '' <XXXX>, " XXXX, XXXX XXXX NMLS XXXX '' <XXXX> date : XX/XX/XXXX, XXXX XXXX subject : Re :  XXXX XXXX There is nothing included in your email that I can refer to. What am I supposed to address? The unemployment gap is less than 6 months which is what the conventional guidelines need an explanation for. 

XXXX XXXX ( directly ) XX/XX/XXXX to current ( my first day with XXXX XXXX directly employed was XX/XX/XXXX but the first paycheck landed on XX/XX/XXXX. ) XXXX XXXX ( via XXXX XXXX ) XX/XX/XXXX to XX/XX/XXXX Unemployed XXXX to XX/XX/XXXX I was unemployed. I voluntarily resigned my role to take time to care for my XXXX   girlfriend who had a high risk XXXX. I started looking for a job at the end of XXXX, and was asked to start mid XXXX. Child was born XX/XX/XXXX. Not sure what else I can say about the matter. 
XXXX XXXX XX/XX/XXXX to XX/XX/XXXX from : XXXX. XXXX XXXX date : XX/XX/XXXX, XXXX XXXX Hello XXXX Following up again, where are we at?? 
+19 days past tentative close +52 days past appraisal submitted +78 days since application Where are we on underwriting? Have your attorneys been notified of closing? Have they scheduled closing? Have you notified the notary???? 

from : XXXX, XXXX XXXX <XXXX> date : XX/XX/XXXX, XXXX XXXX Hello XXXX, I had send you an email yesterday afternoon.

The QA team did not except your employment letter they need exact days for each job and will need you to explain the gap in employment. 
Thank you from : XXXX. XXXX XXXX <XXXX> date : XX/XX/XXXX, XXXX XXXX I sent you a list with exact dates. What is the problem??? 

from : XXXX, XXXX XXXX <XXXX> date : XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX Good evening XXXX, They will not sign off until you put the month and day and year also if there are any gaps they need and explanation. 
Thank you from : XXXX. XXXX XXXX <XXXX> date : XX/XX/XXXX, XXXX XXXX I have already sent this information twice with EXACT DATES INCLUDING MONTH/DAY/YEAR. 
Please READ YOUR EMAILS!!!!!!! 

from : XXXX, XXXX XXXX <XXXX> Hello XXXX, What you sent in an email, I did send up for review and it was not accepted by our QA department. See below for what was sent to me. The below must be on the letter from you in order for this condition to be cleared. 
Thank you XXXX QA is asking for exact dates of employment for XXXX, XXXX XXXX, and XXXX XXXX. And they want borrower to address the gap. 

from : XXXX. XXXX XXXX <XXXX> date : XX/XX/XXXX, XXXX XXXX Well then tell them to read my emails. What the XXXX do you want me to do? I have sent you EXACTLY WHAT YOU HAVE ASKED FOR!!!!!!!!!!!!!!!!!!!!! 
JUST LOOK!!! Exact dates? Do you hour and minute too?!? I did explain the gap?!?! 
Stop stalling and close my XXXX loan!!!!! 

from : XXXX, XXXX XXXX <DXXXX> date : XX/XX/XXXX, XXXX XXXX  Good afternoon XXXX, I am sorry I am not the QA underwriter and I can not get a cleared to close until this is completed. 

from : XXXX. XXXX XXXX <XXXX> to : '' XXXX, XXXX XXXX '' <XXXX> subject : Re : XXXX XXXX Are you asking me to produce a signed letter with the same information I have sent you? 
because up until now you have failed to mention " letter '' from : XXXX, XXXX XXXX <XXXX> date : XX/XX/XXXX, XXXX XXXX Good morning XXXX, I have attached the letter you sent me. This letter was not accepted to clear your loan file.Please send the following below that states what is needed [ She attaches from XX/XX/XXXX, XXXX XXXX and not my later responses ] <at this point I want to kill myself. I resend all the information requested in a signed and attached letter on XX/XX/XXXX XXXX XXXX. See below. Letter is attached. I also ask in another email if they intend to refund my fees since they have failed to act in good faith to close my loan.> from : XXXX. XXXX XXXX <XXXX> to : '' XXXX, XXXX XXXX '' <XXXX> cc : '' XXXX, XXXX XXXX '' <XXXX> , "  XXXX, XXXX XXXX '' <XXXX> date : XX/XX/XXXX , XXXX XXXX subject : Re : XXXX XXXX See attached letter. See attached letter. See attached letter. See attached letter. See attached letter. 

1 ) This attached information was provided on XX/XX/XXXX XXXX XXXX 2 ) Again forwarded as part of email chain on XX/XX/XXXX XXXX XXXX 3 ) Again forwarded as part of email chain on XX/XX/XXXX XXXX XXXX 4 ) Again forwarded as part of email chain on XX/XX/XXXX XXXX XXXX 5 ) Again forwarded as part of email chain on XX/XX/XXXX XXXX XXXX   6 ) Again forwarded as part of email chain on XX/XX/XXXX XXXX XXXX Furthermore it was collected during application and I believe twice more after that ( before XX/XX/XXXX ) +22 days past tentative close +55 days past appraisal submitted +81 days since application -7 days until 90 day lock expires