TD Bank

The slowest drive thru
With the covid19 and operate with 1teller

Specified Location
Complaint Against:

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Complaint Detail / Problem
Complaint Type: Service Issues
Problem:
I went through the process of getting a refinance for my loan. This process started in early January 2020. The mortgage broker Robert Galucci assured me that it was an easy process and it would go smoothly. I was locked in on an interest rate of 3.625. He did not call me often regarding the loan process as I had to frequently call him. I also spoke to Adriana Galindo several times who was not helpful in the least bit. She did not respond to my phone calls or emails in a timely manner. The whole thing was a nightmare. Robert promised me that this loan would go through whether it be processed as a conventional loan or a portfolio loan. Robert assured me that we are close to closing and the CD would be arriving via email any day. This went on for a week straight. He told me to pay off all my credit cards which I did and he told me that would work to process the loan. All my credit cards were paid off. Then he told me that I had to bring $30,000 to the closing and I agreed I would. Then I had to proof my existing job is a permanent position and prove that my stipend was weekly. After completing all of this work and 2 months later I receive a statement of denial through email from a woman named Tracy Sloan who I never spoke to before. . I did not even a phone call from Robert or Adriana. So now my loan is denied due to debt to income ratio but I was promised all along that all my finances looked good to be approved for this loan. I am out 400$ for the appraisal and all the time wasted on getting my loan refinanced. This has really caused my husband and I a lot of mental anguish through this whole process.

Desired Resolution / Outcome
Desired Resolution:
Finish the Job
Desired Outcome:
We would like the loan to be processed with the interest rate like we were promised.
Complaint Background
Not all of these questions are required. Please provide as much information as you have.
1. Product/Service Purchased: Mortgage refinance
2. Model Number:
3. Contract, Account, or Policy #:
4. Order #:
5. Purchase Date: 1/16/2020
6. Date Problem First Occurred: 3/19/2020
Dates you complained to the company/organization

7. First Date: 3/19/2020
Name of Sales Person

13. First Name:
15. Last Name:
17. Purchase Price: $0.00
18. Disputed Amount: $270,000.00

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Jordan is the best very friendly people here

Worst bank in USA. And this branch is horrible too. I have been 2 years with td. Started with a big amount of money .And I have high salary too And they declined any kind of credit cart. I even. Try to put money from me as a secure credit and they declined it as well they didn’t till me that will hurt my credit they keeped on applying . So finally. I changed my bank. And the other bank gave me a credit cart in the same week I opened the account with them. So sad that I wasted 2 years with td bank if I didn’t go there my credit score was very high now.they wasted 2 years. any person that need to build or be with a good bank don’t ever go to td. 1 star is to much for them . Looking forward to close my account ASAP

They are the best – quick and friendly and know you by your name.