Date Received: 2023-06-06
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I put down payment and buy gap insurance on a used vehicle i'm not required by law 15.U.S.C 1605
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Please see attached letter sent to TD Card Services on XXXX for matter details. This letter was sent through my attorney 's office, I have still not received a response from TD Bank. This account was NEVER activated, I NEVER received a card, NEVER received a bill and they are trying to rack up late fees for interest. They conveniently don't respond in an attempt to rack up late fees.
Company Response:
State: RI
Zip: 029XX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/2023 I noticed unauthorized transactions sent from my TD Bank account through XXXX to an unknown contact. I was in the process of sending money to my boyfriend and noticed that two unknown people were added to my XXXX account. I immediately froze my account and called my bank. The following day when the funds posted, my bank disputed the charges and reassured me that the funds would be back in my account within 10 business days. However, last week, on XX/XX/XXXX, I spoke to my bank and they had neglected to inform me through any other communication means that my disputed was not approved. I had them refile the dispute, which they did, but then was told that there was little confidence it would be approved this time because XXXX is like losing a wallet. I lost over {$700.00}. It started as a {$1.00} charge, then a {$320.00} charge, and then another {$400.00}
Company Response:
State: NH
Zip: 03102
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XXXX XXXX XXXX, my wife and I have been using our TD Bank accounts for direct deposit by our employers, and for about five years, we have also used TD for almost all our transactions. Still, recently, we had a very disappointing experience with TD : On XX/XX/2023, we could use neither of our accounts. On XX/XX/XXXX, we went to a TD branch to find the reason. We were told all our accounts were closed by TDs demarketing office and that we would receive a check soon, but they could not tell us why. On XX/XX/XXXX, we received letters ( issued on XX/XX/XXXX ) stating our accounts ( including our credit account ) were closed, not explaining the reason. On XX/XX/XXXX, TD opened new savings & credit accounts for us. On XX/XX/XXXX, we received checks for all our closed accounts. On XX/XX/XXXX, after our multiple follow-ups, TD demarketing office called us and said the reason was we had not updated them on identification documents, but now our profile appears fixed and ok. [ Fake claim ; I had never received a notification on the required ID document update, but my wife had received such a notification and had addressed it by walking into a branch in person and resubmitting IDs. ] Despite they caused the closure of our accounts for unclear reasons, and no timely notification, they were unable to guide us on who should repair our credit hit ( due to our credit account closure ). Our main expectation is that " TD follows and repairs our credit '' As secondary concerns, we still expect : 1. To know the clear reason ( s ) that TD closed our accounts. 2. To know why after account closure, TD agreed to reopen new accounts for us if TD had a solid reason to close our accounts ( you can see in the notification letter we have determined that we can no longer renew or offer you any new accounts and/or services in the future. ) 3. To know why TD did not use faster notification services like email or special mail. 4. Compensation for the time and troubles we had with our pending payments.
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: TD Bank was informed that I was selling my house and they were going to receive the full payment of the HELOC, however, they didnt provide an on time pay off letter and asked me to stop by a branch in order to get it, when I work and I cant leave my job by the time theyre open. When the title agent/attorney finally got it. They didnt want to close the account since I had to stop by a branch in order to do it myself. I have 3 HELOC and none of the other 2 asked me to do such thing. The closing of my house fell off due to this and another thing. And the account when past due. I called them and asked them to please give me a time to put the money together since I spent a lot of money in the closing of my house. They told me they were giving me the time to prevent my account to be reported as late. By the time I was in the phone with them, they reported my account late 30 days and I saw it in my credit report alerts. Immediately asked for a manager in order to fix this issue and I was denied to have a manager on the phone since they were available. I processed the payment and ask them to remove the report understanding that it wasnt my fault about the fall of the closing on my house and that the 30 days late report was going to affect me financially. Being not my fault and the agent understanding we agree that they were going to submit and claim in order to be reviewed and erase. I has never received such claim and when I called nothing was open. They lied to me and I asked the last agent to open a claim a let the manager listen to the conversation with that agent where she promised me to remove the report and to open the claim she never opened. I need to removed this late payment since it is affecting my life very hard and I already submitted the payment. Plus I need to make her responsible for what she promised me. Their app is useless since I couldnt check the right balance and the information required plus it doesnt allow you to do much. Totally useless Thanks for your cooperation and help with removing this late payment from my credit report XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33018
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Hello, My name is XXXX XXXX XXXX XXXX paying a car is in my dads name but my father pass away in XXXX XXXX I notify TD Finance that my pass away that i need information is this account have a insurance policy and was i the next step. I keep writing to them that i dont have any information of this account, i been paying and i dont have any proof of my payments, balance, and I still waiting is this account have any insurance policy and the next step. In XXXX XXXX they ask me for the death certificate and the beneficiaries declaration and nothing more. I been paying without any proof of payments or account information and I been asking for a moving certification because i have to move to XXXX XXXX and nothing happen. I need help asap because I just decided not to pay anymore. Account # XXXX
Company Response:
State: PR
Zip: 00923
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On or around XX/XX/XXXX, I opened a Cash Secured TD credit card at the XXXX XXXX, Florida location. The card deposit was {$2000.00} and the account number was XXXX. The last 4 of my SSN is XXXX. The account was closed on or around XX/XX/XXXX. TD Bank falsely reported late payments in XX/XX/XXXX and XX/XX/XXXX to the three credit bureaus. The nature of my demand is that I respectfully demand that they adjust the credit reporting and remove those late payments reporting. Earlier in XXXX I had expressed to a customer service representative my desire to close the account as I no longer had any interest in keeping the account open any longer. On XX/XX/XXXX, I mailed a letter to TD Bank demanding that they close the account with the security deposit effective immediately. However, for reasons unknown, my letter was ignored, and TD bank continued to keep the account open and delinquent. If they had closed the account as requested, this would never have happened. Over the years I reached out several times to TD Bank to attempt to resolve this matter amicably. My complaints have fallen on deaf hears. At this time, I demand that they resolve this matter amicably. Otherwise, this is a formal request to proceed with Arbitration as I wish to claim damages for this impropriety. By law and the card agreement, they can not keep on ignoring my request for Arbitration. I hereby demand that they respect my wishes to proceed with and commence Arbitration proceedings if we can not reach a resolution to this matter. They may contact me at XXXX or XXXX XXXX
Company Response:
State: FL
Zip: 33442
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I am writing in reference to the following three accounts that I had at the TD Bank branch in XXXX, New Jersey. The total value of all accounts exceed {$25000.00}. I. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Savings account number XXXX In XX/XX/2023, I called the XXXX office and spoke with XXXX. I told XXXX I would like to close the accounts. She suggested that I visit the branch. I told XXXX that I do not reside near any TD Bank branches. She then suggested that I sent a notarized letter requesting the accounts be closed. I prepared the letter and mailed it to the XXXX branch on Tuesday XX/XX/2023. On Friday XX/XX/2023, I received a call from XXXX indicating she received the letter and closed the accounts. She indicated she prepared a check and provided me with the following XXXX tracking number : XXXX. Unfortunately, the XXXX package did not arrive during the next several days. I input the tracking number into the XXXX Web site on the Internet and I received a response indicating the label was generated on XX/XX/XXXX but the package did not enter the mail stream. On Friday XX/XX/2023, I called XXXX and told her I did not receive the package. I also told her it was not placed in the mail stream. XXXX repeatedly said the package was mailed and told me to file a complaint with XXXX. Needless to say, I can not file a complaint if the package was never placed into the mail stream as indicated by the tracking information. Unfortunately, the package still has not arrived and my savings accounts with a total of over {$25000.00} is depleted. For you convenience, I have attached a screen shot of the XXXX tracking information. Your assistance in enabling me to promptly obtain the proceeds from my accounts is needed and will be greatly appreciated.
Company Response:
State: IL
Zip: 60611
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On or about XX/XX/2023, I applied for an XXXX XXXX XXXX online which is administered by the financial institution mentioned in this complaint. An XXXX credit report was pulled, my credit score is in the XXXX 's. I was approved for a {$10000.00} credit line ( see attached proof ). On XX/XX/XXXX, I was on a trip in Maryland. I attempted to make a purchase at a retailer that accepts this card. Unknown to me, the account had a block on it, with a request to verify my identity. I provided my valid State Driver 's License and a Visa card issued by XXXX XXXX. An attempt was made by the bank to verify my identity by sending me a text code to my phone. The system at the bank malfunctioned and could not send the text. The cell phone number of : XXXX has been my number for 17 years through XXXX XXXX. I have received numerous text codes without any issues whatsoever in the past. My background is as follows : no negative credit information is reported by any major credit reporting credit repositories, a credit utilization ratio of 13 % and over {$170000.00} in available credit amongst my credit cards. I have no fraud alerts on any of my credit reports. I attempted to call the financial institution at the customer service number on XX/XX/2023 for clarification of the issue. The business was of no help to me and could not provide an answer.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This is a followup to CFPB complaint XXXX TD Bank has not honored promises made in response to the above captioned case. No resolution has been reached concerning the modification, and I continue to receive inconsistent and erratic answers concerning my loan status depending on who I speak with. On XXXX, I called to request that TD Bank resume sending me normal monthly mortgage statements, an extremely basic and rudimentary request. Instead, I was told by one representative that a form bearing my signature was received on XX/XX/2023 ( well after the 30 day underwriting deadline promised by TD Bank in writing ), and would need an ADDITIONAL 30 days processing after that. The next person I spoke with told me that there was a notation on my account on XX/XX/2023, which indicated that the modification was rejected due to incorrect payment amount. No further explanation was offered. I am extremely disappointed at the fundamental failures of your company to perform basic promises made in writing to me and to the CFPB. For this reason, I have reopened the CFPB case to achieve resolution of the modification on my account.
Company Response:
State: MD
Zip: 21208
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A