TD Bank Mortgage Complaint

TD Bank Mortgage department,

Conventional fixed mortgage Credit decision / Underwriting Connecticut

At the end of -/-/-, I applied for a refinance of my home with TD Bank. When I applied, I had an existing - mortgage and an existing HELOC with TD. The refinance was for cash out, debt consolidation. When I received the loan decision from -, I noticed that the terms I had applied for were changed. I was not notified that the terms I had requested changed - they simply changed. ( My application was to keep & subordinate the current - - their approval changed it so that the - was to be paid in full ). When I contacted them that I did n't think they could change a mortgage applicaiton w/out notifying me, without any indication, they immediately changed it back even though the comment was that I did n't qualify. I closed the loan as submitted. - months ago my circumstances changed. I had a loss in income, I had an increase in other monthly obligations and when I contacted a realtor I found that my house was n't worth near what the appraised value at time of refi was. I contacted TD Bank in - -/-/- before I was due or delinquent with - and applied for assistance, for a modification of the terms of the P & I payments for both - and - ( which will soon be both principal and interest that I can not afford ). After weeks of calling with no return phone calls, TD did state that they would roll the late fees into the mtg amount but they would not modifiy the P & I payments. They said I make too much, that the housing is 32 % of my gross income. I told them that if they looked at my residucal income, after I pay the mortgage, I would not have enough to provide myself and my family basic human living requirements - heat, electricity, grocers, a car to get back and forth to work, etc.