Consumer complaint received 2025-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding TD Banks repeated mishandling of my mortgage loan modification, ongoing harassment despite compliance, and inaccurate credit reporting. 

On XX/XX/XXXX, I discovered that my husband had not made our mortgage payments and that our home was XXXX days from foreclosure. I immediately contacted TD Bank and completed my first loan modification on XX/XX/XXXX. 

Despite my full cooperation and timely payments since that date, I have endured months of confusion, duplicate modification requests, and relentless daily callsoften up to XXXX times a dayeven during deeply personal hardships, including the loss of my mother in XX/XX/XXXX. 

Chronology of Events : XX/XX/XXXX : First loan modification completed. 
XXXX XXXX : Continued daily collection calls. 
XX/XX/XXXX : Received approval letter dated XX/XX/XXXX, for COVID-19 Recovery Modification/PC Combo. Documents were notarized on XX/XX/XXXX, and returned via XXXX. 
XX/XX/XXXX : Despite timely payments, I continued receiving foreclosure calls and alerts of delinquency reported to credit bureaus on XX/XX/XXXX and XXXX. 
XX/XX/XXXX : TD representative confirmed receipt and approval of modification and advised me to disregard further calls. 
XX/XX/XXXX : I again received notices claiming I was behind on payments and at risk of foreclosure. 
XX/XX/XXXX : Received identical modification approval package again ; notarized and resubmitted on XX/XX/XXXX. 
XX/XX/XXXX : TD Bank issued a denial citing untimely paperwork submissionlater admitting fault for sending documents to my old address. I completed a new modification on XX/XX/XXXX, notarized by a TD branch employee, and sent it via XXXX. 
XX/XX/XXXX : Received confirmation that my loss mitigation request was under review. 
XX/XX/XXXX : Received yet another modification package. A TD representative advised me to ignore it, stating my review was in final stages. 
XX/XX/XXXX : I called for an update and was told my case would be escalated to an underwriter, and management would call me within XXXX hours. I have yet to receive any response. 

Throughout this period, I have made every payment on time and can provide proof. I have also sent multiple emails seeking resolution to the following addresses without response : XX/XX/XXXX and XX/XX/XXXX : XXXX and XXXX XX/XX/XXXX : XXXX, customersupport.td.com, XXXX, and XXXX XX/XX/XXXX : XXXX Ongoing Harm : My credit score has been significantly damaged by false delinquency reports. 
I have experienced severe emotional distress due to constant collection calls, contradictory communications, and TD Banks failure to correct its internal errors. 
Despite clear evidence of compliance and good-faith effort, TD Bank continues to mishandle my case, leaving my home and financial stability at risk. 

I am asking for the Consumer Financial Protection Bureaus help to please step in and make sure TD Bank corrects the false credit reporting and finalizes my loan modification without any more delays. I have done everything asked of me made my payments on time, provided every document, and followed every instruction yet I continue to receive letters that cause me constant stress and fear of losing my home. 

All I want is for this to finally be resolved, for my account to reflect accurately, and for TD Bank to acknowledge that I have kept my end of the agreement. I truly want to keep my home, and I feel its unfair and deeply upsetting to be treated this way after doing everything right. 

Thank you for taking the time to read this and for helping me find a fair resolution. 

Thank you for your time and consideration. 
Sincerely

Company response to consumer: Closed with explanation