Applied a loan with the bank and basically I am working with Robot during the process. The person who deal with my loan is not a professional and did not ask the right question. It is a totally wasting my time (20+ days) and money ($500+). Emails do not work well, Fax is the only way to communicate and many time even not work. I have to Fax the same documents again and again couple time and they still claim not received them. I have to print them out and bring them to the local branch, and they still send me auto-generated emails saying missing documentations. Unbelievable. I filed a complain with their Mortgage department, they do not even bother to return my email.
I applied new mortgage and several refinance before and all of those are very straightforward and never has a problem. I always have a person to work with and call will be picked or returned. My calls to TD always go to voice mail and the voice mail stated they will return my call within 6 business hours, but I never got any returned calls.
I do not understand why they even bother to have a such broken mortgage processing department. They should all be fired. How they can claim America's Most Convenient Bank???? It is truly a shame.
Stay away from them for any loan application. I won't recommend it for anyone.
Workers at this branch including Gilbert Vega, Officer, Assistant Store Manager, NMLS ID# 596679, TD Bank, 2400 Bway, NY, NY 10024, 212-579-2010, make errors and in an egregious act of disrespectful (to the client) temerity and possibly criminal behavior, attempt to cover up their lack of competence by falsifying documents, discarding documents signed by client (handwritten ancillary/concomitant/down stream documents the bank has on file could not have been generated without the above referenced computer generated document's composition) and altering of an evidence stream by replacing a signed document with one intended to cover up Bank Error . While attempting to get copies of the above mentioned signed documents (via walk in v. phone w/TD Bank officials) an alternate TD Bank employee attempted to seek out business for TD Bank, asking if the [high profile] company the client worked for 'has a board', implying that they [the high profile company's board] would meet with the [clearly naive at best, revealing a suspect intellect] low level TD Bank Employee [to work out a business deal with the bank]. A complaint relative to the above will be filed with TD Bank Security and / or appropriate government oversight agencies. Curiously, at the building adjacent to the bank (possibly the Merrion at 215 w. 88th street??) one morning client witnessed building staff (doorman/ super and / or maintenance person) being politely greeted by a woman and her daughter as they left the building and as soon as the woman and her daughter were apparently out of earshot, they (building staff) laughed at each other, asked if [paraphrased] 'that's the nurse in apartment [redacted]' and then began talking about what they'd do to her [sexual innuendo].
I had my auto loan transferred from a local bank to TD bank after TD bank acquired the local bank. Following this, being able to track my loan was down right impossible! TD bank stated I could not access the loan online since it was a loan transfer. I had to pay in person each time! Now that I am one payment away from paying off my vehicle, they tell me over the phone (after 30 min holds between three transfers to three separate people) that I owe over 150% of my balance due to "late" fees, etc. I am requesting an itemized payoff report to include principal, interest, and other fee balances. By the way, I was told that this request has to be done via fax only! Can't request via phone or online! Why doesn't TD bank do their employees a favor and close on weekends (especially on Sundays) since they really don' t offer any other benefits!