TCF National Bank Mortgage Complaint

TCF National Bank Mortgage department,

Conventional fixed mortgage Application, originator, mortgage broker Minnesota

In -/-/- my boyfriend and I purchased my current house. Because of my previous credit history, we were required to do an FHA mortgage product. My boyfriend is a non-occupying borrower. My sister lives at the house with me and pays part of the mortgage payment. Early -/-/-, my sister and I began conversations with - - at the TCF - office. We wanted to get out of the FHA Mortgage and remove my boyfriend from the note ( keep him on title ) and have my sister on Note and title. On - -, - requested bank statements, last 2 year tax returns, last 2 years W2 's and last - paystubs from my sister and I. We emailed the required documents - -. -/-/- - First phone call with - - at the TCF -, MN office. - informed me he would be taking over the refinance process we started with - at the - office. During this phone call he informed me it would be best to eliminate my sister from the process. I gave - a credit card number for the appraisal. Shortly after the - - phone call, in the mail I received a Notice


office I was declined a refinance mortgage loan for reason of Bankruptcy ''. It was unnecessary for me to pay the $400.00 for an appraisal when my credit report, pulled on -/-/-, would have clearly shown the previous bankruptcy ( and foreclosure ). If TCF operates under strict guidelines then I should have been denied a mortgage loan immediately. Why did they pull another credit report on -/-/-? Why was I asked for additional documents after the date of the denial letter? I was never asked to provide any documentation of the bankruptcy ( discharged -/-/- ). The customer service I received from - - was horrendous. I was ignored on many occasions and some of - 's comments were rude and unprofessional. I went into this in good faith and was lead on for over 2 months sending numerous, unnecessary personal documents. I feel this was unethical practices by TCF and their employee, - -.