Mortgage -- Closing on a mortgage -- Complaint #9554823
Complaint Overview
Complaint ID: 9554823
Company: TD Bank US Holding Company
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-Issue: Trying to communicate with the company to fix an issue with the loan closing
State: Virginia
ZIP Code: 23321
Date Received: 2024-07-18T12:00:00-05:00
Date Sent to Company: 2024-07-18T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/2024 I closed on a {$25000.00} conventional refi loan with TD Bank. The nearest branch is over XXXX miles away from my residence, so I closed with a notary at my residence. Funds were to be disbursed XX/XX/2024 and mailed by the XXXX XXXX. On XX/XX/XXXX, tracking the package the package status was out for delivery and never was delivered. I called UPS that evening and the XXXX stated the package was lost. On XX/XX/XXXX I contacted TD Bank via email and phone to inform them of the lost package. Ever since XX/XX/XXXX there is XXXX XXXX of phone calls to TD Bank call center to reconcile the situation. All I requested of the bank and keep requesting is the check be cancelled and a new check be issued. Finally, on XX/XX/2024 an employee from the branch where our loan was closed spoke to me to say the check issued is a cashier 's check and according to federal law can not be cancelled until 90 days after issue if lost. A lost check, that I did not loose should not affect our contract. We were closed, I was to receive funds XX/XX/2024. It is almost 1 month later and my first payment will be due and I have not had funds from TD Bank as per contract. Please assist in this situation. The bank recommendation is to be patient, possibly wait 90 days and if our payment is due they will not require payment. That is not what our contract states, if you ask me they are in breach. Thank you in advance, XXXX XXXX
Frequently Asked Questions
What is Complaint #9554823 about?
Complaint #9554823 was filed against TD Bank US Holding Company regarding Mortgage specifically about Closing on a mortgage. It was received by the CFPB on 2024-07-18T12:00:00-05:00.
How did TD Bank US Holding Company respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against TD Bank US Holding Company?
Yes, visit the TD Bank US Holding Company company profile at readthecomplaint.com/company/td-bank-us-holding-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.