TD Bank Mortgage Complaint

TD Bank Mortgage department,

Home equity loan or line of credit Loan servicing, payments, escrow account New Jersey

I have had the same Home Equity Credit Line for the past 18 years. My original loan was with a bank that TD Bank bought and the loan and conditions were grandfathered to TD Bank. The loan has no expiration date and is what TD Bank calls an Evergreen loan. Recently, TD Bank has been trying to get me to change the conditions of the loan to one which has a 10 year cap, which means the loan ends in 10 years. The bank is asking me to requalify for the existing loan on an annual basis which forces me to complete an absurd amount of paper work. The bank has told me that if I agree to change the conditions of the loan to the 10 year cap there would be no paper work now, or in the future. I have never been asked to provide any additional paperwork in the 18 years that I have the loan. This is clearly HARRASSMENT to get me to change the loan, which is not in my best interest. I have made repeated to clarify this with the bank but have not been successful.