Consumer complaint received 2015-05-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I apply for a loan at td bank on XXXX/XXXX/15. Which my info was send out to a processor. which whom send me XXXX email. I have call a couple of time to speck to the processor, left message and no return call. I kept call for a week when I finally spoke to someone who told me that the XXXX processer was on leave of absence, and that she was my new processor, with all the calling done by myself. The processor then told me that I would have to resend all the paper work that, I send to the previse processor again, because she wouldnt looking trough the email to get the info, I have to send it again. This is know XXXX week pass the time that I start the loan process. the next weekend a email was send me asking for another set of papers, asking me to submit then before the end of the day. I left work and when into the bank to send off all the info that was ask of me. Everything that was ask of me, was send to the processer on that day. Which then I receive a call from my processer on Monday morning asking me again for the same info that I send to her on the Friday. Which I had to call the bank the same bank that she works for to send the information again. When I spoke to the processer that day I ask if anything else was need of me, then she ask me for a couple more paper work. if I had not ask for this, how long would she wait to ask me for the paper work. Everything that was ask of me was send to the processor and I still receive no information form her on when the appraise, would be done, which as already been charge to my account of XXXX/XXXX/15 in the morning with an email at XXXX that appraise would be scheduled, and I would be contacted on the day and time. On Friday the XXXX/XXXX/15 I call the processor at about XXXX to tell then that I wanted to cancel the loan because, with the way that there where going my closing date on the house XXXX/XXXX/2015, would not be meet on time. She then inform me that she will send me an cancellation email. Nothing was send to me from her so I send her and email on Saturday XXXX at XXXX, asking about the cancelation email, and still again nothing. On Tuesday XXXX XXXX/XXXX/15 I send out another email to her, which then there was a respond tell me to call the loan agent at the bank for information. I call the loan agent which then info me that I will be change for locking the interest rate. I should not be charge for work that is not done on a timely manner that is not fair to the customer. How can you charge some one for a process that is frustrating and infection, with a lack of communion. 
" When I signed the purchase contract for the property I committed to certain legal obligations such as meeting terms. As per contract I have the obligation to provide a loan commitment in a timely manner, and after almost a month of this lender having my loan file in process, it has not been provided. 

I am very dissatisfied and I do n't take the charge of unjust fees lightly. TD Bank should not take advantage of inexperienced first time home buyers like myself, who act in good faith and sign the necessary documentation to help have a smooth process. I believe I have the freedom to look for appropriate lending services if this lender did n't do its job without being penalized for it ''.

Company response to consumer: Closed with explanation