TBK Bank Dallas

This letter addresses the discrinatory practices that TBK committed against their customers Roger and Diana Gomez through and by TBK associated EMPLOYEES, VP's Kristin Martin and recently seperated employee David Galli. We are requesting a full investigation and reimbursement of penalties and exorbitant fees forced upon us by continued threat of foreclosure and expensive foebearances.

Evidence of TBK financial abuse and banking discrination are as follows

1. We have asked for an official audit of our three TBK mortgage accounts numerous times over the past 3 years only to be ignored by VP Dave Galli, VP Kristin Martin and Crystal Howard.
2. We have asked why TBK has never notified us of irregularities in reference to our mortgage accounts that could have been easily cured at the time of each occurrence.
3. TBK's failure to explain and discuss banking terms that we were unfamiliar with and then penalized for not understanding the full negative implications of said terms as noted but not limited to: forced placed insurance, forbearance, escrow, Adjusted Rate Mortgage, and Fixed Rate for example.
4. TBK's Refusal to explain or discuss why we were placed on interested payments without our verbal acknowledgement or understanding of the implications. The only explanation given was "you asked for the lowest monthly payment so that's why we put you in the new loan that you signed. We were not provided with an explanation as to what we were signing as they came to our home for our signature and then rushed back to the bank. The problem: We were foolish enough to trust them that were they doing what was in our best interest.
5. After never missing a payment, except for a covid-19 exception as our tenant had trouble paying rent. We paid all that back. Our reward, an increase of 1.5% to 7.5%. without explanation even though we asked VP Kristin Martin, (the primary abuser) repeatedly.
6. We have gone out of our way to show good faith by depositing $30,000.00 in a TBK BANK. When I brought that to her attention VP Martin remarked "good now we can secure the forbearance in case you decide not to pay."
7. When I tried to get an explanation as to why we were penalized a 1.5% interest increase to 7
.5% after never missing a payment VP Martin stated "if I want I can charge yoy 12%" I believe these types of comments are denigrating in nature and racist and discrinnatiry in her intent. I can't believe VP Martin treats her non white customers in the same manner. We feel we are being singled out and treatedl differently.
8. We even tried flowering Ms. Martin with praise and platitudes to lighten her continued mean spirited spirited behavior towards us. I informed her that wle deposited another $61,000.00 in a TBK checking and savings account to show our sincerity to move forward. She refused to recognize those gestures as well.
9. If you review VP Martin's initial forbearance estimate proposal that she decided to escalate her original legal fees from 425.00 for the forbearance structure to $1,000.00 on each acc