Date Received: 2023-04-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/2022 we made a payment of {$3200.00}. THey did not apply our payment to our loan at all! they put this entire balance toward " unapplied funds '' - apparently there was an adjustment made to our payments owed whcih did not show or appear anyhwere on our app that we used to pay. We paid exactly what they ( TD bank ) requested. To our dismay we later received notification that there was an addtiional amount due of {$32.00}. We had no idea that not only had our payment not been applied but that the account was also short {$32.00}! Not too long thereafter I find my scores had dropped over 100 points. I called and argued my case and no one helped at all. All they did was say write a letter. I've written mulitple and this seems to continue to fall in the wrong hands. Not only has TD bank not repsonded to me- they responded to my husband when I wrote to them! They refuse to take responsibility for their mistakes. We paid what we were told was due. We should not be punished for their miscalculation
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I tried to resolve the issue before they closed the account but they closed it I told them the card was lost and I need a replacement to make a pay me and someone stole my identity
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: td auto finance has violated my rights. TD auto finance has lied to myself and the cfpb about receiving a credit application from XXXX XXXX in XXXX XXXX XXXX I now have evidence from the dealership in question and other banks stating that they can not provide a copy of the credit application. now I have evidence of td auto finance in letterhead lying. if the cfpb allows this company to lie again, I will go the attorney generals office.
Company Response:
State: MS
Zip: 39047
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Since XXXX XXXX a debt concerning the financing of a XXXX product has been charged to me and TD Retail Card Services has been attempting to collect from me ever since. I thought this was a scam at first but then I began to notice actual attempts to collect via mail. I have not attempted to finance anything from XXXX in the past few months, or anything for that matter. I've never even heard of TD Retail before now. I submitted a dispute with this organization and my credit agency but this is still growing. I feel angry, robbed and violated.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX, I opened a Beyond Checking account with TD Bank with a promotion : if I put {$2500.00} into the account via direct deposit within 60 days, I would receive a {$300.00} bonus within 180 days of the account opening. By XX/XX/XXXX, I had already added {$3300.00} in direct deposits, exceeding the threshold to earn the bonus. It is now XX/XX/XXXX, more than 180 days from the account opening, and I have yet to receive the bonus.
Company Response:
State: NY
Zip: 10040
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to dispute all negative reports on my credit report. I understand that the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) requires that any information reported about me must be accurate and complete. I have reviewed my credit report and found several inaccurate and incomplete reports. I am requesting that you investigate and remove these negative reports from my credit report. I have provided the following information to support my dispute : 1. XXXX XXXX XXXX, this has been paid off and resolved. 2. Hard Inquiry of TD Auto Finance on XX/XX/2021, there was a double pull on my XXXX Credit Report. 3. Hard Inquiry of XXXX XXXX XXXX, on XX/XX/2021, there was a double pull on my XXXX Credit Report. In accordance with 15 U.S.C. 1681, I am requesting that you investigate my dispute and remove these negative reports from my credit report. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: TX
Zip: 77583
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Back in XXXX of XXXX I was a victim of Grand Larceny/Identity Theft/Auto Fraud . The accounts open with XXXX XXXX XXXX XXXX and TD Auto Finance LLC was not open by me and is fraudulent also enclosed is a copy of a letter from XXXX XXXX XXXX Attorney XXXX XXXX verifying that these accounts are fraud and was not open by me case Number XXXX I demand these accounts be removed from my credit file within 7 business days as required by law.
Company Response:
State: NY
Zip: 11212
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/2023 XXXX XXXX Monday TD Bank XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Vice President, Store Manager NMLS ID # XXXX The ATM at this TD Bank took my XXXX XXXX ATM Card into the ATM machine and then reset to the opening screen, it did not return/spit out my XXXX XXXX ATM Card. I then went inside of the TD Branch and the Store Manager XXXX informed me that I would have to contact XXXX XXXX to receive a new ATM since this TD has no access to the ATM 's in the Branch and does not service the machine. XXXX XXXX asked me what my name was and I presented to XXXX XXXX my NY State Enhanced Drivers License and told him that I also have a account at TD Bank.
Company Response:
State: NY
Zip: 11590
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: TD Bank USA/.Target Credit HAS NOT and DID NOT EXPLAIN why they issued me a check dated XXXX, which I deposited on XXXX. PLEASE SEE THEIR ATTACHED LETTER. Target states I cashed their check on XXXX, a date BEFORE THE CHECK WAS WRITTEN! THIS DOES NOT MAKE SENSE! AND, TD Bank USA/.Target Credit HAS NOT and DID NOT EXPLAIN why they CHARGED ME a " {$29.00} " purchase adjustment fee '' on XXXX. None of their reps can explain this either. TARGET 'S CUSTOMER SERVICE HAS DONE A VERY POOR JOB IN LISTENING, AND PROPERLY HANDLING THIS PROBLEM. THEY HAVE AVOIDED and CIRCUMVENTED THIS SPECIFIC ISSUE. This IS UNACCEPTABLE. BIG COMPANIES SHOIULD NOT THINK THEY CAN GET AWAY WITH SITUAITONS SUCH AS MINE AND EXPECT TO BE HELD NOT ACCOUNTABLE.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This company is in clear violation of the fair credit act 15 U.S CODE $ 1681c for reporting fraudulent accounts of my credit report.
Company Response:
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A