TCF National Bank Mortgage Complaint

TCF National Bank Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure Minnesota

My current situation started in -/-/- when I was layed off from - - - ; a job of 2 years. I approached TCF the following -/-/- and discussed possible options for a mortgage modification. At the time my monthly payments were $1000.00 per month and TCF agreed to a year long temporary modification of $650.00 a month. In -/-/-, after my monthly payments had returned to the original $1000.00 per month that I again approached TCF on the possibilities of a permanent modification. TCF requested that I submit the required forms which I did the next month. I did not hear back from TCF all - and into -/-/- despite numerous attempts on my part during this time. It was at this time ( -/-/- ) that I decided to cease monthly payments to TCF in the hopes of lighting a fire under their feet '' I was contacted by TCF in -/-/- and offered a


the -/-/- payment. I resumed employment -/-/- and contacted TCF the following month seeking to address this issue. At this time ( - -/-/- ) I was informed that TCF would resume accepting payment if I would remit 2 payments of $1000.00 for -/-/- and then $1000.00 a month there after. I agreed to this because, once again I want to stress that I wanted to work with TCF. The 2 payments of $1000.00 in -/-/- and $1000.00 singular monthly payments were electronically withdrawn via phone call voice authorization from my Mother 's TCF account due to the fact that my TCF account of 26 years had been shut down due to identity theft in -/-/-. I had made payments for -/-/-,, -/-/-, -/-/-, and -/-/-. When I attempted to make my - -/-/- payment I was informed that - was no longer accepting payment from me and had begun the foreclosure process. I made one last attempt at modifying my mortgage starting in - -. After supplying again requested paperwork my hardship modification '' was denied in - -/-/-. The following month - - - ) I received in the mail a solicitation from a company that had agreed to assume my mortgage and modify my monthly payment down to $550.00. per month. This company needed TCF 's permission to proceed with the assumption process but after providing the new company with several phone number contacts to TCF 's mortgage office and numerous attempts by myself and the new mortgage company to establish a dialog. These efforts proved utterly futile and lead me to my honest belief that TCF was stonewalling '' any attempts to rectify my situation to save my home and that TCF had most definitely developed a hostile and aggressive attitude and posture towards me