Consumer complaint received 2025-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
This all started back in XX/XX/XXXX. We received a letter from TD Bank and our mortgage had gone up about {$1000.00}. We called to see why and they explained to us at our escrow account needing more money and thats why the payment went up. This was due to the fact that our income tax on our home was listed wrong and it was a lot more and thats why the escrow was taking a lot more out. We had filed with our local county tax office that this was our primary residence, but they never adjusted that. We got that fixed, but they couldnt backdate the month of the mortgage so it was still significantly higher than what we could afford. I was Im XXXX XXXX and was actually not getting paid so we didnt have the financial funds to cover that amount. They told me they could do a loan modification to help with this Process, so we filled out all the paperwork and sent it back in a timely manner that they requested at the end of XXXX XXXX months would go by and I do see XXXX here and there saying it was still being processed, but no other information was given to me because it wasnt the department that was processing it. It was just customer service. I kept calling to ask what was taking so long they couldnt really give me an answer why, then fast forward to XX/XX/XXXX I receive more paperwork to sign for the loan modification. I kept trying to call back and said I dont wan na sign another agreement because I dont understand why I have to re-sign one one Ive already signed one and no one can tell me why Im resigning. Go to find out they said I was missing a witness signature which I wasnt because I had a copy of the documentation that I sent back and no signatures were missing. So then they sent me more paperwork because it now is outdated to sign all over again. I re-sign the paperwork sent it back in a timely matter. Then another 30+ days goes by and theyre still processing it. About 2 to 3 months later I receive more paperwork to sign. They couldnt really give me a reason why Im signing more sent that back within 30 days. This process went on for a couple more months. Now were almost at the two year mark from when this whole started and I have signed seven different agreements and sent them back in a time of matter. I have large customer complaints and Ive heard from that department but at the end of the day no ones giving me the right answers. No ones helping me out. And now I learned that the last agreement that we sent back, I will be getting more paperwork something was missing that they shouldve saw in the beginning of this whole process. This whole process has been very stressful and very frustrating because my credit has taken such a nice significant hit because TD Bank is showing late payments on my mortgage because they have not been applying any payment that I have made to the amount that we owe. I just dont know what else to do. Maybe go to a lawyer, but that would be spending money. I dont have in time and energy and like I said Im very stressed. I just need someone to help me and no one seems to be wanting to help me in any of this.

Company response to consumer: Closed with non-monetary relief