Date Received: 2023-06-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX XXXX XXXX we traded in a XXXX XXXX that we had a loan through TD Auto Finance. The dealership took care of getting the loan payoff amount and received the title of the truck. We never heard anything from TD Auto Finance or the dealership to indicate that there was any issue with the loan payoff. In XXXX XXXX XXXXXXXX we received a monthly statement from TD Auto Finance that said the account was still open but there was zero payment due. I contacted TD Auto Finance through their secure messaging system regarding the fact that the account should have been closed in XXXXXXXX XXXX XXXX. I did receive a response but I can not access that message now as the system says it is no longer active. The person that I spoke with today said that it was a statement but again I could not acces it nor shoudl we have owed anything. We did not hear anything else from TD Auto Finance so again we thought it was taken care of. In XXXX XXXX XXXX we received a monthly statement from TD Auto that said we owed {$42.00} with an additional {$15.00} late fee for a past due balance. I returned the statement with a letter that said the account should have been closed in XXXX XXXX XXXX and again in XXXX XXXX XXXX. Again, no response until we received a notification from XXXX yesterday that we were deliquent and our credit score had dropped XXXX points. We never received an email, phone call, or even letter stating that it was getting sent for collections. I sent a message via their secure messaging system again today after resetting the password as we have not used this account in 2 years. The response was to call customer service. We called twice, were put on hold and then hung up on. We reached a representative who did not like my tone and hung up on me. We called again and spoke with XXXX who was understanding of our issue but had to pass us on to his supervisor XXXX. We again had to tell XXXX the situation even though it was on our account but he said that he needed to hear it from us again. We understandbly were upset as no one has been willing to see that this is an error that needs to be rectified. XXXX was not happy with both of us speaking to him in a heightend tone and hung up on us. We called back again and spoke with XXXX who again forwarded us to his supervisor. We were on hold for XXXX minutes and then hung up on once again before speaking with anyone. So we called back again and waited on hold to speak with a representative when we asked again to speak to another supervisor. We waited on hold for 20 minutes to speak with XXXX. We explained once again what the situation was to XXXX who understood the issue and graciously said that they would remove the late fees but the {$42.00} was still due. We asked how that was possible if the truck was signed over to the dealership. He said the truck was never signed over and that they still had a lien on it. After 3 years?? I asked if I could speak to his supervisor but were told that they would have to call back in 1-2 business days. And even if the amount is paid, the credit report would still be delinquent and they can not fix that. I was begging for someone to please help us fix this but everyone kept kicking it to the next person.
Company Response:
State: MI
Zip: 48044
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: 2023-06-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened my TD Simple Savings account at TD Bank online in XX/XX/XXXX. I made additional deposits at the XXXX Maryland branch on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I went to the XXXX Maryland branch requesting a cashiers check. I had a balance of {$220000.00} on deposit and requested a cashiers check for {$220000.00} for a home purchase. I was informed that because there was no signature card on file for my account, they would be unable to give me access to my money. Instead, I would have to fill out a signature card and wait 24-72 hours until it could be processed. This is a problem because I need the money for closing on a real estate transaction this week! I was never given any kind of disclosure that said that in order to withdraw money from my account I needed an approved signature card on file. The account was opened online, which gave me no option to fill out a signature card and did not inform me in any way that I needed to go to a branch and fill out a signature card and get it approved in order to get access to my money. Nor was I ever informed that I needed to fill out a signature card and get it approved when I appeared at the branch to make deposits. The only disclosure I was ever given about getting a cashiers check is that there would be a fee of {$8.00}. The fee disclosure did not say anything about needing an approved signature card on file to be able to get a cashiers check for {$8.00}. I believe TD Bank 's disclosures are deceptive and inadequate. This is a trick and a trap to keep people from accessing their own money when they need it. As as result, my real estate closing may need to be delayed.
Company Response:
State: MD
Zip: 20737
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Td bank received a deposit from XXXX and keep the funds they closed my account
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX Credit Reports on Credit Ratings are incorrect. XXXX billing department reports delinquent past XXXX payment of {$130.00}. However, no such payments were due. There is a direct debit payment plan set up with the Bank for required amount each moth. No payments have ever been missed. Also there is a past complaint of a dispute with XXXX in reference to a Laptop returned due to Problem. This complaint was filled with XXXX over 3mths ago. No credit for the amount paid for this Laptop from XXXX. Amount still showing on my account with XXXX
Company Response:
State: IL
Zip: 60504
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I responded to a XXXX XXXX that was to donate a XXXX XXXX XXXX to someone who answered the ad with a good reason to get the guitar. I responded saying that I would like to get the guitar to teach my Grandson how to play. They said fine, I would just have to send shipping cost of {$33.00}. That sounded reasonable, so I paid it on XXXX XXXX. Then they said I would have to pay tax on it of XXXX Ok that wasn't unreasonable, so I thought, so I paid that through XXXX. Now they said that they need to change ownership registration and said that would cost {$85.00}. That is when I decided not to pay any more and that this was a scam. I then called XXXX Customer Service, at XXXX a phone number I got on XXXX. The Customer Service Representative, XXXX XXXX, said this happens frequently and that the scammers get into your phone or PC and steal money, your information or both. He said that the scammers or Hackers have compromised my PC and the only way to get them out is to make transactions of buying XXXX, as this is when the scammers will surface and try to intercept the transaction. He reimbursed the money that I paid for the shipping and tax ( {$110.00} + {$33.00} ). Then he looked at my transactions by having me download The Any Desk app. which allows him to see what I am doing on my phone or PC. We then made a transaction of buying XXXX, and sending it to a " secure XXXX XXXX ''. He then sent the funds back to me. Over the course of the next month or so, ( the last transaction was on XX/XX/2023 ) we made numerous transactions of different dollar amounts that were taken from my TD Bank checking account, to these so called XXXX XXXX XXXX. The Representative was showing me the XXXX Addresses assuring me that the money was safe and that when all the Hackers or Scammers were removed from my system, the funds would be returned. He showed me their IP addresses that were compromising my PC and even showed me pictures of the Hackers. The XXXX was purchased through XXXX, XXXX, XXXX, or XXXX XXXX. He even sent me a screenshot of the transaction that was to reimburse the funds. When the funds weren't credited to my account in a timely way, I contacted XXXX to look up the transaction. They said there was no record of the transaction. This is when I knew for sure that I had been scammed. Total amount scammed : {$160000.00} Please help, I am a XXXX XXXX XXXX man, and I need help in getting the scammed funds returned. I am in need of an advocate for seniors that have been preyed upon by these ruthless scammers. I have spoken to TD Bank Fraud Department and they said they could not help me. There is no XXXX Customer Service to lodge a complaint with. PLEASE HELP with communicating with TD Bank, XXXX XXXX XXXX XXXX XXXX and XXXX, in hopes of returning stolen funds. I have also : Reported to the local ( XXXX ) Police, complaint number : XXXX on XX/XX/2023 Filed a Complaint with the FBI ( XXXX ) on XX/XX/2023 Notified TD Bank via on-line, and telephone on XX/XX/2023, and met with local branch of the bank on XX/XX/2023. Reported to Coinbase : Case Number XXXX on XX/XX/2023 Reported to XXXX XXXX : Claim Number : XXXX on XX/XX/2023 Reported to XXXX XX/XX/2023 I will attach supporting documentation
Company Response:
State: NY
Zip: 10128
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My XXXX credit card was stolen from my mailbox along with other pieces of mail on XXXX while I was on vacation, they activated my XXXX card and tried to purchase something for more than XXXX $ at target and I guess the card declined so they applied for a target credit card, not sure the date sometime after XXXX and XX/XX/19 which is when I received a letter in the mail stating they denied my credit card application because I was already approved for XXXX because they sent me another letter in the mail with a credit card, I called target to ask what their policy was for applying for credit card and they said all you need is an ID to apply but when I called the target credit card they said you need your social security number so someone opened up a credit card using either my social Im assuming for target which I did not authorize.
Company Response:
State: TX
Zip: 78254
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: NORDSTROM is not under any LAW required to report any of my private consumer transactional information. NORDSTROM HAS THE OPTION TO REPORT MY INFORMATION TO THE CREDIT REPORTING AGENCIES which is why the consumer has the RIGHT to demand financial institutions to withdraw their reporting under 12 CFR and the FCRA. I have placed NORDSTROM on PROPER NOTICE on XX/XX/XXXX that I under 12 CFR 1022.24 and 15 USC 1681b permissible purpose request that NORDSTROM CEASE ALL REPORTING OF MY CONSUMER TRANSACTIONAL INFORMATION TO ALL REPORTING AGENCIES and was given 30 days to comply and perform their fiduciary duties accordingly. As of today XX/XX/XXXX NORDSTROM has received my Notice and have willfully continued to report my consumer transactional information against my request, against my RIGHT, against CFPB regulations under 12 CFR and against the FCRA.NORDSTROM appears to be acting on its own accord with a total disregard to the LAWs it is obligated to perform under. NORDSTROM is in willful noncompliance!
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Identity theft protection or other monitoring services
Subissue: Didn't receive services that were advertised
Consumer Complaint: I have received a hard inquiry under the vendor TD XXXX XXXX XXXX, on XX/XX/2023. This has not been initiated by me and I do not recognize this vendor to begin with.
Company Response:
State: NC
Zip: 28213
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: On XXXX, I purchased through TD Bank XXXX XXXX XXXX a washer and dryer. I was told that the minimum monthly payments would not be enough to pay off the loan in 12 months for the differed interest ( 0 % APR for 12 months ) financing. The payment for the washer, dryer, extended warranty, and taxes and fees, was XXXX, and I was told no interest if paid in full, and if not, the interest amount would be charged from the original purchase date. I paid the amount a month later for the financing via using their online website, as they said via email their would be a bill that I would receive with my account numbers, interest amounts, etc. I was traveling, and paid the amount near XXXX PST, despite living in GA at the time I was traveling. I called TD a few days after, in order to get the late fee waived, and they said to just wait until the end of the year when I had finished making the payments toward the principal balance due and that I would essentially be given the offer for a late fee waiver at the end- this was after hours of hold times, so I just took their words at face value. Today, they marked my credit negatively for a late payment as they charged a late fee ( that I was told would be waived ), that applied toward the balance and triggered my interest to be charged as it was no longer considered deferred, despite my making 12 payments in the amount of XXXX XXXX totaling to XXXX, which was actually more than the actual retail cost after taxes of the washer and dryer. I called TD Bank, and the representative told me that their agents had not made adequate notations in their system of my prior calls, despite them having records of one call later on where we discussed that same late payment, where they called me and I answered because I could not get in touch with anyone. They have called me 4 times daily for the last 2 months in efforts to get their debt resolved, I say that with quotes because it was something they imposed, if they wanted me to pay the late fee - fine, but there should be no reason penalties are ADDED to the principal balance when the only reason I did not argue further was because the representative told me it could be waived when I was done paying it at the end of the year. The balance due was XXXX, and I paid XXXX, leaving the XXXX late fee as well as any interest incurred on it to the statement to be waived by customer service. Now, they are saying it is a valid charge because I did not pay the full amount, though the {$1500.00} was actually more than the amount I financed from TD Bank. The late payment should never have been levied as it was a systematic error and I hadnt even received proper correspondence to make the payment from TD in the mail. I understand that this was at the height of Covid-19, so, mail took a little while longer, but this should make TD want to keep their customers and be understanding of people who arent even having issues paying the bill, but just didnt properly receive their statement to know when their payment is due, the amount to pay, or any of the proper guidelines or requisitions to keep the deferred interest going.
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I had my identity stolen at beginning of the year and this severely affected both my personal and business accounts with TD bank. It all started when my phone was stolen. I filed police report and everything. This person fraudulently manipulated my accounts and withdrew thousands of dollars from my balance ( prior to any of this ), deposited fraudulent checks, changed contact information and other things. I reported this and requested to get issued new account numbers and TD refused and gave me the excuse of they got in through your debit account but highly unlikely they know your account number I kept pushing for this to no avail. Than they fraudulently stole over 7 grand and td never contacted me once and I didnt even know until tds collection agency started calling. I have numerous police reports and everything needed to prove this. Ive gone into branches personally also. I was told to contact their investigator whose name is XXXX her number is XXXX and my case number is XXXX. She blocked my number from calling her after the XXXX messsge left. No investigation was ever done nor had anyone contacted me still! I had thousands of dollars spread up between and my XXXX or XXXX accounts and never received a penny! They kept it I assume due to the fraud on my account but I never did anything wrong and Jusy want my money
Company Response:
State: CT
Zip: 06457
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A