Consumer complaint received 2022-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I became a customer of TD Bank in XXXX and they were very aware that I am a XXXX XXXX Mother as they helped me establish a checking account and also my Mortgage account between XXXX and XXXX XXXX  XXXX. 

I met XXXX XXXX Branch Manager, the Assistant Branch Manager, XXXX XXXX, in XXXX when I was overcharged for some banking fees, and she was aware at that time, that I am a Single XXXX Mother. 

I Received the XXXX  {$100000.00} XXXX XXXX XXXX in XX/XX/XXXX, and XXXX XXXX, Assistant Branch Manager " snatched '' it out of my hands and told me to open a XXXX XXXX Savings XXXX for " easy access ''. I advised that I did NOT want " easy access '' that I wanted to come back in a few days and get a large check to take to XXXX XXXX. XXXX XXXX, proceeded to " snatch '' the {$100000.00} Check and then used her position of authority to exploit me into opening the " XXXX Savings '' Account, against me true intentions, wishes, desires, and plans for our money and our financial future. 

In XX/XX/XXXX I wrote to TD Bank and XXXX XXXX, Assistant Branch Manager, that I was aware that she had stolen {$25000.00} of the Personal Injury check fund from the XXXX XXXX savings account ''. I advised that they were in Violation of Florida Statutes I advised that TD Bank and XXXX XXXX, Assistant Branch Manager, that they were and are still in VIOLATION of Florida Statutes : 812 for Conversion and Theft of the {$100000.00} XXXX XXXX XXXX Check, Florida Statutes : 825 for Exploitation and Abuse of a XXXX Adult, as Such they owe TREBLE DAMAGES under Florida Statutes 772.11, for VIOLATIONS of both relevant Florida Statute Chapters, 812 and 825, and in VIOLATION of the Florida Anti-Money Laundering Laws under Florida Chapter 655.

I advised under the Florida Statute 772.11 the Treble Damages ( 3x ) the {$100000.00} they owe XXXX XXXX XXXX and her son, a Settlement Check for Treble Damages, for VIOLATIONS of Florida Statutes 812 and 825, in the amount of {$300000.00} XXXX XXXX XXXX XXXX 

Since that time : the First Legal Correspondence sent to XXXX XXXX, advising her, that she had STOLEN MONEY, in XX/XX/XXXX, 1. A Payment was ILLEGALLY REVERSED on XX/XX/XXXX, after the Payment, had posted. 

2. A TD Bank Representative Advised 10 days ago that the ILLEGALLY REVERSED PAYMENT was put into " UNAPPLIED FUNDS '' 3. Then instead of our Insurance being paid in XX/XX/XXXX, OUR INSURANCE WAS " ILLEGALLY CANCELLED '' and it took until XX/XX/XXXX, until after a " storm '' to discover we had no insurance coverage. 

4. Our Mortgage Payments have changed up and down and I recently asked TD Bank for an AMORTIZATION SCHEDULE and they sent a Schedule XX/XX/XXXX, stating that I pay {$110.00} a month when MY MORTGAGE PAYMENT IS {$340.00} A MONTH * WHERE is the AMORTIZATION with the TAXES & INSURANCE??? 

5. The Mortgage Amortization and the SIMPLE INTEREST MORTGAGE SCHEDULE HAS BEEN TAMPERED WITH AND CHANGED, and money is NOT being Properly Applied. 

6. TD Bank Started FALSELY REPORTING ME LATE to the CREDIT REPORTING AGENCIES WHEN I WAS NOT LATE. 

7. I discovered that TD BANK had DONE A XXXX XXXX XXXX CREDIT REPORT DEDUCTION. 

EVERYTHING that I Have stated above are CRIMINAL ACTS, and includes VIOLATIONS OF THE AMERICANS WITH DISABILITIES ACT and FALSELY REPORTING to the CREDIT REPORTING AGENCIES in VIOLATION OF THE " FAIR CREDIT REPORTING ACT '' ALSO, everything I have stated is VERIFIABLE IN THE " PAYMENT HISTORY '' THAT AFTER I SENT THE XX/XX/XXXX, Legal Correspondence to Assist Branch Manager, XXXX XXXX, of the XXXX XXXX, TD Branch, that the EXPLOITATION AND ABUSE HAVE CONTINUED, as " someone '' in a position of authority, I say, XXXX XXXX XXXX Assistant Branch Manager, at TD BANK, CHANGED THE ABOVE-

Company response to consumer: Closed with explanation