Date Received: 2023-12-06
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I called in to TD Auto Finance XX/XX/XXXX to inquire where my overpayment was from my payoff that my credit union sent in. 10 day payoff quote on XXXX was {$58000.00} and my XXXX XXXX sent in a check for {$59000.00} which was applied to my account on XXXX This would be an overpayment of roughly {$420.00}. Rep tried to tell me that was the exact payoff at that time, which I explained was impossible if the 10 day quote on XXXX was {$58000.00}. She refused to provide what the payoff was at the time the payment was applied. Further, I cancelled loan products XXXX XXXX XXXX XXXX which would be applied to the loan balance. They said they applied a XXXX refund, but could not explain where the XXXX refund was. I see a rebate of {$630.00} in transaction history online and the rep could not explain where that went to. That rebate shows the exact same date of XX/XX/XXXX that payoff was applied. They also show fees of {$1100.00} in their online transaction history on my account that the rep could not explain to me. I simply want my overpayments and product refunds sent to me and not kept dishonestly by TD Auto Finance. TD Auto Finance has yet to send me or my credit union the title for our car after payoff as well. Rep became very rude and defensive when I demanded an explanation of how funds were applied to my auto loan which really upset my husband & I. She asked us what exactly we did not understand whereas it was this rep that was not understanding how a per diem worked and a product refund worked on an auto loan. This is just not acceptable and we as consumers are out several hundred dollars that they can not explain to us. Feel free to reach out to us for further info including account numbers, etc. We are happy to provide any documentation needed.
Company Response:
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: i submitted a questionnaire and they reversed the fraud item charged on my account, but did not reverse the the reported late payment
Company Response:
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I have a XXXX XXXX Credit Card account thru TD Bank Account for buying products from XXXX. This year I bought new phone and exchanged by old phone and agreed for the interest free instalmemt payment. However, in XXXX when I purchased new phone replacing the old phone, XXXXTD Bank opened another Credit Card account in my name with same social security number and same credit limit without my knowledge and concent. When I wanted to make the payment, I found my account ( original ), it was showing XXXX balance. Then I called XXXX and TD bank and after several attempts I am told that there new account opened and the balance is shown there. So I questioned them why did open another account in my name : the answer is " Apologies ''. In the mean time, the payment was late for a day and TD Bank reported this to the credit bureau and I lost XXXX points which affected my credit standing. I called XXXX and TD bank several times to fix this error and they were going back and forth and finally I threatened them that I will complain with CFPB and immediately TD bank reversed the charge. Now I have to deal with all credit bureaus to fix this issue. Questions should be asked to TD Bank : 1. How did bank open new credit card account where consumer has already got credit card with same credit limit and same SSN? 2. There is no communication with credit card holder there new account opened? 3. What internal control bank has to monitor opening credit cards? Addresses and telephone numbers : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX TD Retail Card Services, XXXX XXXX XXXX, XXXX, SC XXXX Credit Card accounts involved : Account Number : XXXX XXXX XXXX XXXX ( original ) Account Number : XXXX XXXX XXXX XXXX ( opened without my permission )
Company Response:
State: TX
Zip: 77479
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Since XX/XX/2023 I was trying to pay my credit card account but it wasnt possible because I didnt know that I have to update the app and I only received Sorry, try later, but now TD Bank charged me with a fee of {$29.00} which is unfair. I tried to communicate with them but they make the process difficult so that it is not possible to do it. Its a nightmare.
Company Response:
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Please complete the form below. Your message is limited to XXXX characters or less. When you are finished, click Send Message. Your inquiry will be sent directly to Customer Service. Inquiry # XXXX Status : New Category : Other Priority : Urgent Date of Inquiry : XX/XX/2023 Date Submitted : XX/XX/2023 XXXX XXXX Your Message : XXXX is not posting the payments timely and this caused XXXX XXXX to add a {$29.00} late fee on my account. This is predatory practices. I have exported the transaction history from my bank to show the payments made to XXXX exceeding the minimum payment required ( {$50.00} every XXXX weeks ) and XXXX financing 's delay in posting the payments and then charging me for a late fee due to XXXX financing predatory billing practices. I will be filing a complaint against XXXX financing with FDIC and Consumer Protection Agency if this is not removed from my account. From Date Message XXXX XX/XX/2023 XXXX XXXX I have messaged customer service at XXXX on XXXX XX/XX/2023 XXXX XXXX and have not received a response. Transactions were exported from my bank to show the regular payments sent and the purposeful and predatory delay of posting payments late on my account as payments by mail instead of in house payments.
Company Response:
State: AZ
Zip: 85233
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Subject : Unpaid Savings Interest TDBank has not paid the interest they told me I would receive following my deposit of over {$800000.00} into my savings account. They told me they would match another banks current competitive rate that I showed them from XXXX Bank of 4.5 % when I met with the TDBank XXXXXXXX XXXX manager on XX/XX/XXXX. Instead of 4.5 % annual interest rate, they actually paid interest at a 0.02 % annual rate from XX/XX/XXXX through through XX/XX/XXXX or XXXX before increasing the rate. In XXXX, TDBank informed me I would receive a 5 % annual rate retroactively on my account due to the extended time to resolve the issue and the patience I had shown. To resolve the issue, TDBank needs to pay the compounded interest due of {$4100.00} minus the adjustment they made on XX/XX/XXXX of {$460.00} resulting in a total amount due of {$3700.00} to settle this issue. Issue Summary On XX/XX/XXXX, I my wife and I closed on the sale of our home in XXXXXXXX XXXX We met with XXXX XXXX XXXX in the TDBank office in XXXXXXXX XXXX to notarize the closing documents and complete the closing transaction which included a wire transfer into our account of over {$800000.00}. I informed XXXX XXXX that we would be transferring the money out of TDBank unless they could match current competitive savings rates. XXXX XXXX said that if I could show her a competitive rate that TDBank would match it. I showed her on my cell phone the current savings rate for XXXX XXXX at 4.5 %. She told me TDBank would match that rate. In early XXXX when I reviewed my savings account, the XXXX savings statement showed I received only {$13.00} interest for the month of XXXX when the account had over {$800000.00} for the entire month and I should have received over {$3000.00} interest. I contacted XXXX XXXX at TDBank about the error and informed her that the competitive rate from XXXX XXXX was now 4.65 %. XXXX XXXX indicated they would make the correction. Since early XXXX, Ive been told a multitude of excuses by the TDBank XXXX branch on why the unpaid interest had not been corrected. In fact, the interest rate wasnt adjusted until the second week of XXXX. In late XXXX I was informed that due to my extreme patience, TDBank was going to retroactively increase the interest rate on my savings account to 5 %. TDBank currently owes us over {$3500.00} in interest. Ive contacted the TDBank XXXX branch via phone calls and emails repeatedly to get the issue resolved. I have heard a multitude of excuses for XXXX XXXX unavailability, absence and failed returned calls or emails. I have been repeatedly told of problems with TDBanks Back Office operations and personnel delaying the resolution. Ive contacted TDBank Customer Service and was told that XXXX XXXX would contact me to resolve the issue. I did not receive a call text or email. Two weeks ago I sent a demand email to XXXX XXXX requesting payment of the missing interest and escalation of the issue requesting contact by a TDBank Vice President. I have heard nothing since sending the email. Details and Backup Documentation On XX/XX/XXXX, I contacted the XXXX XXXX TD Bank to set up a meeting to have someone at the bank notorize closing documents on the sale of our home in XXXXXXXX XXXX. At the XXXX TDBank branch, we were asked to go into XXXX XXXX XXXX office, the bank manager. XXXX XXXX assisted us with receiving, signing via XXXX, notorizing and returning the closing documents. I informed XXXX XXXX that we would be receiving a wire transfer of over {$800000.00} into our TDBank account that day on the sale of our home in XXXX and asked her if TDBank would match current market competitive interest rates which were higher than what TDBank offers as standard. Otherwise, I would be transferring the deposit to another bank that would provide the higher interest rate. XXXX XXXX clearly indicated that TDBank would offer a matching interest rate if I could show her the interest rate from a competitive bank. I showed her the rate of 4.5 % from XXXX XXXX from my cell phone. She took my phone and sent herself a picture of the rate and said TDBank would match it ( see file attached. After the XXXX of XXXX holiday, I checked my savings account and found the interest paid for the month of XXXX was only {$13.00}. I called TDBank XXXX and requested the interest rate to be corrected and back interest paid. I also sent XXXX XXXX an email ( see file attached ) documenting our discussion and attached a picture showing the current interest rate from XXXXXXXX XXXX had increased to 4.65 %. She replied that she would work out the issue that afternoon ( see fie attached ). On XX/XX/XXXX, I sent an email to XXXX XXXX reminding her that I needed resolution and the interest deposited into my account ( See file attached ) On XX/XX/XXXX, the interest due me had not been deposited. I checked with the TDBank branch in XXXXXXXX XXXX. The XXXX branch indicated that there was an open issue for resolution. I sent and email to XXXX XXXX and she replied that she would look into the situation that day and get back to me. She never called back. ( see file attached ) In early XXXX I reviewed my savings statement and found that the interest rate had been changed on my savings account sometime in the second week of XXXX. I contacted TDBank by phone and spoke with XXXX about the issue because XXXX XXXX was not available. She said she would look into it and get back to me. XXXX did get back to me and indicated that since XXXX XXXX initiated the issue resolution, only XXXX XXXX could get a response from the back office. XXXX said she would have XXXX XXXX contact me as soon as she got into the office the following week. I did not receive a call from XXXX XXXX. On XX/XX/XXXX, I checked my savings account and still saw no interest paid to correct the problem. I wrote another email to XXXX XXXX on XX/XX/XXXX. In the third week of XXXX, I contacted XXXX XXXX asking about resolution on the interest. She replied that the back office had told her the issue was addressed and closed. I told her that it had not been addressed and after checking my account, she said she would open another issue resolution request. She followed up with a reply to my XX/XX/XXXX email ( See file attached ) on XX/XX/XXXX indicating the back office personnel had been an issue and that she now had a new person assigned to the issue. She also indicated that she had bumped the issue up the ladder to speed the resolution. Reviewing my statement on XX/XX/XXXX indicated the issue had not been resolved after three months! After calling again on XX/XX/XXXX, I received an email reply from XXXX XXXX that the issue was finally getting resolved. On XX/XX/XXXX, I received an email stating that TDBank would deposit {$460.00} into my savings account for the interest due XX/XX/XXXX through XX/XX/XXXX. I replied with a detailed email showing the interest each day I should have received from XX/XX/XXXX through XX/XX/XXXX. ( see file attached ) On XX/XX/XXXX, I sent an email to XXXX XXXX demanding resolution and payment of the interest due for the month of XXXX and compounded interest since XX/XX/XXXX. ( see file attached ) also demanded escalation of the issue and contact by a Vice President at TDBank. I have not had a response.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: To whom it may concern : On XX/XX/XXXX I paid my bill under the above account number via the website. In my haste to pay my bills, I inadvertently selected the wrong account to pay the bill for XX/XX/XXXX. I was alerted to this minor discrepancy via a letter on XX/XX/XXXX that the payment was returned due to insufficient funds. I quickly got back on the website and set up a new payment with the correct account. The payment was submitted with more than enough time to keep my account in good standing with no late payments. As of XXXX XXXXXX/XX/XXXX, I was alerted to a major decline in my credit score and a repotted bounced check on my score. In looking into this I found my credit limit was decreased well below what the balance is on the account in what I can assume is a punitive measure on the bank 's part for an account that is in good standing and has never been late. Further, this oversight could have been fixed with a phone call or an email given the time frame of the due date. Today I called the customer service line at XXXXXXXX XXXX After a long hold, I talked to the first call taker XXXX XXXX XXXX ) who could offer no rhyme or reason as to why my account was treated in such a fashion. XXXX then put me in touch with XXXX who stated she was a supervisor. XXXX couldn't care less what I had to say and offered nothing but to call the credit department and seek to increase my credit limit which is counter-intuitive to keeping a good credit score. XXXX then hung up on me without even connecting me to the credit department. I then spent the next hours trying to get back in contact with someone that would help me. After XXXX separate attempts with an hour hold and one transfer to the mortgage department, I was connected with XXXX. XXXX unlike XXXX had the decency to listen to what had taken place and at the end of my explanation of what had taken place was baffled as to why the bank and its systems would have taken such a punitive sentence for an account in good standings and that has never been late. XXXX provided me with the format to seek upper management and connected me to the credit department and to XXXX. XXXX, like XXXX, was unprofessional and offered no meaningful customer service. In closing, I hope whoever in upper management can fix this unfair reporting to my credit file and dreadful customer service that cost me XXXX hours of calling time. Now my credit file is dinged XXXX or more points and the bank has turned my credit on this account 109 % over limit for nothing. Respectfully, XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 131XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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.
Company Response:
State: TX
Zip: 76522
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: TD AUTO FIN, XXXX, and XXXX continue to report deceptive information onto my consumer report. The information is deceptive and misleading. TD Auto Finance alleges I owe a debt that has not been validated as accurate. Before a creditor can report an alleged debt it must be validated and verified as accurate. There are several inconsistencies within the account that is being reported. Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX 15 U.S. Code 1692g - Validation of debts U.S. Code Notes prev | next ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. ( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State la 15 U.S. Code 1692j - Furnishing certain deceptive forms prev | next ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter.
Company Response:
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: TD AUTO FIN is alleging I owe them a debt. I am requesting the book entry ledger for TD Auto Fin to prove I am indebted to them. I provided my letter of credit for this credit sale and TD Auto Finance has withheld all the proceeds from the sale. TD Auto Finance continues to profit from my credit while the account has been terminated. Federal law states any consumer account that is terminated a balance over a {$1.00} should be returned to the consumer. I have not received any proceeds from TD Auto Finance. 12 CFR 1026.11 - Treatment of credit balances ; account termination. CFR State Regulations prev | next 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). 15 U.S. Code 1692d - Harassment or abuse U.S. Code Notes prev | next A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title. ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity. 15 U.S. Code 1692j - Furnishing certain deceptive forms U.S. Code Notes prev | next ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
Company Response:
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A