Date Received: 2023-02-14
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: XX/XX/XXXX Received a call from a processor saying they are trying to serve me papers. XXXX XXXX from XXXXXXXX XXXX XXXX sent a letter their address on letterhead is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called TD auto finance they informed me that the loan has been paid and to ignore the call. I called XXXX back and informed him that I can not find any information regarding this information, and he told me that I am doing the research because I do not want to pay. I informed him that I do not want to be scammed. Tole me that I will be getting served next Friday. and that I will have to pay more. they are suing to put a lien on my house. I want correct information if I do owe this, but not going to hand over my credit card information if this is not legit. Case no on the letter. XXXX. Stated the last payment was made in XXXX. The total amount due is XXXXsettlement amount is XXXX and which I must pay today. He gave me an hour to call him back and pay or we will go to court. I just want to know if they are real or not.
Company Response:
State: OK
Zip: 74012
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Date : XX/XX/2022 I have been a victim of 7 separate identity theftsone of whom is through your company. After calling 1 of the other 7 companies, their internal investigations team identified the abuser as XXXX XXXX ( XXXX : XXXX ) Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Your dealership used my name without my authorization which can be misconstrued as compliance of criminal activity. My credit information was used fraudulently via co-signer/co-borrower, to apply for 7 different car loan accounts without my consent. Luckily each account was not approved. Nevertheless, I did not authorize these accounts, and I therefore am contacting XXXXXXXX XXXX XXXX XXXX TD Auto : Please remove the hard inquiry by XXXX XXXX XXXX and TD Auto from my credit report through your bureau, attached to this letter is a screenshot of my credit report These lists of fraudulent hard inquiries ( including yours ) were brought to my previously unaware attention, because I was investigated by mortgage underwriter due to excessive hard inquiries from car dealerships. Please help me and remove your hard inquiry as soon as possible
Company Response:
State: CA
Zip: 94089
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XXXX I was charged a late fee of XXXX I made my payment for the month of XXXX on the the XXXX. I was not aware of a end of billing cycle date I thought it would be the due date. View payment details. XXXX XXXX XXXX Submitted XXXX checki {$100.00} I called in and was told the billing cycle started on the XXXX. so the payment did not post to the correct month but the operator told me her supervisor was tied up and she could take care of this for me. I then told her i made the payment for februray on that date which was the XXXX. my pay by dates were the XXXX so I had thought previous to this that was the end of the billing cycle. She said no problem I told her I also needed to make sure the payment I made at that date wewnt towards my XXXX payment to make sure it did not happen again the next month. She said it was no problem. View payment details. XXXX XXXX XXXX Submitted XXXX checki {$100.00} Now this month I have another late fee I called in and told them what had happened they said no You never made a payment for XXXX so you get a late fee. I told the women on the phone I dont think you understand she was trying to argue the fact. I made another payment this one being a XXXX payment for XXXX and a payment for XXXX. along with the late fee again. XXXX XXXX XXXX Submitted XXXX checki {$220.00} And I wrote them a message which they responded I did not make a payment in XXXX so I am being charged a late fee.
Company Response:
State: OH
Zip: 437XX
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: TD BANK USA/NORDSTROM XXXX XXXX has violated my rights as a consumer. Congress makes it clear that I have a RIGHT TO PRIVACY as a federally protected consumer! TD BANK USA/NORDSTROM XXXX XXXX has violated and disrespected my right to privacy which is a direct violation of the FCRA and the Gramm-Leach-Bliley Act! I did not consent or authorize TD BANK USA/NORDSTROM XXXX XXXX to use or share my nonpublic personal information. I am asking TD BANK USA/NORDSTROM XXXX XXXX to Cease and Desist all communication through any and all mediums unless it is for a specified remedy that I am invoking. The term communication through any and all mediums would be telephone, email, social media, and any consumer report. This notice is pursuant to 15 USC 1692c. The term communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt is reporting onto my consumer report which is a form of communication and I demand this account be removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this account is being reported with late payments which is a violation of 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose and causing harm to my reputation, I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of { {$1000.00} }
Company Response:
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Payment is past due but not past grace period. TD Auto has called me over XXXX times today XX/XX/2023 alone.
Company Response:
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I informed Target multiple times of my situation in XXXX and XXXX. I attempted to contact the lawyers for target, but they ignored me and never returned my phone calls. Instead, they filed a lawsuit against me to scare me with a process server from XXXX XXXX XXXX delivering the lawsuit to my door when I informed them I could not work. Was this a violation of public policy? I was forced to hire a lawyer and file a bankruptcy which I never wanted as I worked hard for XXXX years keeping my credit in good standing and always paying on time ; look at my history with the credit agencies they were setting me up. Please review my credit history. In XXXX I was admitted to the hospital with an unknown serious medical illness. Following my hospitalization when I returned to my job at XXXX XXXX I was wrongfully terminated because of my leave of absence hospitalization with doctors still not sure what my medical condition was at that time. During that time I was very ill, and still, no diagnosis of why I was so sick with multiple hospitalizations in that time frame. After so many years of suffering finally, in XXXX I was hospitalized at XXXX and had numerous tests and exams performed that revealed and diagnosed me with XXXX XXXX. I received EDD XXXX money from XXXX until XX/XX/XXXX when it expired. After my XXXX expired, I had no income for food, clothing or shelter. EDD XXXX manager instructed me to file for Social Security as I had no idea something like this existed. My case was pending from XXXX until XX/XX/XXXX. While awaiting my social security, I notified all my creditors and communicated my medical situation and condition as I could not work. I am responsible as I always paid my car payments on time with XXXX XXXX, XXXX, and XXXXXXXX XXXX ( I paid off all my previous cars in full on time ), and school loans on time to XXXX University, XXXX XXXX XXXX XXXX XXXX University XXXX XXXX and XXXX University, etc.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: TD bank close my account without me having any knowledge on XX/XX/2022 I was told it was due to fraud. Ive contacted everyone in TD Bank including headquarters no response on XX/XX/XXXX. I received a notice that my TV mode boom app was hacked and my password was changed and it wasnt me I hadnt received any other information aside from a for the different phone number in the website I would like to know how my bank could be close for fraud that Im not aware of and also be hacked in the same week without any help! Aside from that, and getting any help, I was sent to the branch in which the guy who is every discriminate of arrogant been my card in my face, and all he told me was td no longer one of my services! Ive called Td headquarters and everything and not one person could give you any information on how your account could be closed drastically out of nowhere and you get no answers, and I put in complaints about the representative at the bank which she just smiled like it meant nothing
Company Response:
State: NY
Zip: 10312
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: On XX/XX/2023, I entered TD bank located at XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX, The reason for my visit was to send an international outgoing wire for {$1700.00}. XXXX XXXX XXXX, Customer Experience Coordinator, prepared the wire transfer. XXXX XXXX asked me the type of currency that I would like to send, and I replied, " USD ''. I also showed her a copy of the funding instructions which says, " funds are to be sent USD only ''. When the transaction was complete, XXXX XXXX handed me a receipt and I was sent on my way. I was not asked to sign anything. The funds never arrived at its destination. On XX/XX/2023, I spoke with XXXX XXXX and found that the funds were not sent USD but were sent in XXXX currency in error. XXXX XXXX then said that she would put in a recall for the funds to be returned to my account. I have subsequently repeatedly contacted XXXX XXXX and the bank manager in an effort to retrieve my missing or stolen funds, but my attempts have been unsuccessful. I last contacted XXXX XXXX on XX/XX/2023 at which time she informed me that she did not send a recall on XX/XX/XXXX, but would now do so. To date, I have not received my {$1700.00}, only an endless list of implausible excuses. On XX/XX/XXXX, however, one of the bank managers acknowledged that the bank made an error and refunded the {$50.00} transfer fee. I am now seeking the {$1700.00} balance.
Company Response:
State: PA
Zip: 19020
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I made a single person is using the credit card for {$400.00}. I immediately made a payment of {$400.00} and when I noticed that I was {$4.00} short I sent a secondary payment of {$4.00}. The company refused to accept and post the payment of {$4.00} and for the past 12 months have continued to add interest charges. I have contacted this company many times and requested them to process my payment of {$4.00} and investigate where my check for {$4.00} is at because it was never returned back to me so that means the company has the check The check was never processed through my bank. However, it was mailed by me to the same address that I mailed the {$400.00} payment which was received and processed through my bank. On several occasions over the past year I have reached out to your car and made them aware of this and as opposed to them corresponding to me, I only would receive a bill in the mail and not have them address my specific concerns the last person that I spoke to was agent ID XXXX and his name is XXXX. He advised that he would email me on XX/XX/2023 and process the payment of {$4.00} and remove all interest charges. Agent XXXX never emailed me and my attempts to resolve this matter and pay the {$4.00} a second time has falling on deaf ears yard card is acting on unfair business practices as opposed to them addressing my concern and processing my {$4.00} payment. They are continuing to delay by not responding directly to me regarding my request so that interest charges can continue to accrue each month I have made 18 attempts to resolve this issue in a years time and instead of them responding back to me they are continuing to mail me a new statement with increasing interest charges monthly. I advise the yard card on XX/XX/2023 that if they did not respond back to me by email as they had promised and process the payment for {$4.00}. I will be contacting the CFPB. I spoke with XXXX on a recorded line and advised him that I would request the CFPB and his superiors to pull that phone call and listen in totality to our communications, he has yet to follow up with me by email as promised or by mail as of this date XX/XX/2023.
Company Response:
State: AR
Zip: 723XX
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My account was opened on XX/XX/XXXX with an opening balance of {$5200.00}. To ensure timely payment, I submitted my first payment on XX/XX/XXXX, with automatic recurring payments set up through my credit unions bill pay system starting on XX/XX/XXXX. In XXXX, just before my next payment was set to be sent, my credit union switched to a new bill pay provider. The XXXX payment was missed in the transition. When TD Bank notified me of the situation, I made an extra payment on XX/XX/XXXX, after the XXXX automatic payment was made. Through the statements sent to me by TD, they never indicated that my payment needed to be increased for a {$29.00} late fee incurred through the XXXX missed payment. Subsequent bills also never showed a change in minimum payment due. However, buried in the details, and never mentioned on the front page of the bills, was a chain of late fees for not paying the original fee. By the time this was discovered, the late fees have amassed to a total of {$270.00} ( over 5 % of the original loan ). Had this been disclosed with the original missed payment in XXXX, I would have paid the fee immediately. Through calls with TD Bank, they kept saying the fees were for missed payments. Every time I spoke with a representative they would give me a date for a payment that was missed, and I would go into my online banking system with my credit union and tell them exactly when that payment was delivered, and the tracking number for the payment. In a call with TD on XX/XX/XXXX I spoke with an agent named XXXX who hung up on me. After calling back in I spoke with XXXX ( XXXX # XXXX ). She informed me that standard agents are not able to see the details on the account, and that I needed to call a special Customer Service line to speak with someone that had access to review account history. I spoke with XXXX, who agreed to send me a comprehensive listing of charges, payments, and fees. I feel this practice is deceptive, and needs to change.
Company Response:
State: WA
Zip: 98512
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A