Date Received: 2022-12-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: TD Bank Mortgage does not inform its customers about increases in the escrow amount. When your autopay 'underpays ' the new payment amount, they hit you with a {$70.00} late fee. They can not provide proper reporting online related to your escrow balance and analysis. The full monthly payment amount due on the mortgage does not update until a few days AFTER the actual payment is due. I always pay on time. I, nor any other customer, should be penalized for their antiquated system, inability to send electronic notifications and horrible reporting.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Have a credit card through TD Bank N.A. Previously had to do split payments due to not having enough in cash. I did the reward application of cash back I stockpiled to pay half the bill in the amounts of {$61.00}. I then paid the remaining amount of {$70.00} with money I deposited into my checking account on XX/XX/XXXX by around XXXX XXXX This total was then {$130.00} which is great than my minimum monthly payment of {$100.00}. However, I was charged a late fee even though my payment showed as posted and pending and am now receiving calls to make payments on it. I called the company and was told I'd be forgiven and given a pass on this late fee due to the system not noticing I paid in full through split payments on XX/XX/XXXX.
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I filed a complaint XXXX of this year. After waiting almost 3 weeks longer than I was promised, I received my check without my name on it. Only my business name. I took the check to the cash checking place near my home because they offer to cash business checks. I bring in all my paperwork and verify everything. The woman working there is required to call the bank and verify the check. She couldnt do that because TD bank decided to do exactly the opposite of what they said would be done. My account is still frozen so the customer service rep on the phone for TD Bank told her do not cash the check. I attempted to do an ATM deposit at my local XXXX XXXX where i bank personally. The atm took my check but then sent me a notice that the check looks fake and to request another from the business that provided it. I have called the number provided from the first complaint time and time again with no answer or response to my voicemails. This is pathetic. It has been over a year and my money continues to be tampered with and now theres no response from the bank at all. This is disgusting and the establishment should be embarrassed
Company Response:
State: CO
Zip: 809XX
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I noticed numerous hard inquiries on my report that I had no knowledge of and would like to get these hard inquiries removed from my account, thank you. Companies involved include : TD BANK XXXXTARGET XXXX XXXX XXXX, XXXX - XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.
Company Response:
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XXXX XXXX XXXX XXXX contacted my place of employment and called me claiming to be outside my home and my job to serve me with " litigation. '' I contacted them and spoke to a paralegal who told me that they had filed a lawsuit against me. I asked him not to contact my job after they had already called my employer and said they had certified mail to deliver to me. He said that he could not stop contacting my employer because they were attempting to process serve me with a lawsuit. After i reveled to him that he was speaking to a lawyer he admitted that it was not actually a lawsuit but a demand letter. He then said he would put a " hold '' on everything as a curtsey and not contact my job but threatened me that if i didn't handle the demand letter they had no issue suing me. The debt they are claiming to collect on is over XXXX XXXX XXXX and i have not heard from this company in over 10 years. He threatened me and was rude to me during the entire phone call. He lied about an active lawsuit which was never filed and refused to stop contacting my job.
Company Response:
State: CA
Zip: 90015
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Applied for a Nordstrom credit card with a {$60.00} note upon approval. Took over 30 days to get the card and now they are refusing to give me the {$60.00} note. Not my fault. I just called in and was told I have to use the care at Nordstrom too. I look at the disclosure and doesnt say that. This is such a scam!
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account was charged- off as ordinary income and I was supposed to receive 1099 form. I never received the 1099 form IRS, this is showing incorrectly and has to be removed.
Company Response:
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: So XX/XX/2022 XXXX was taken from my account according to bank with Atm machine had a skimmer. On XX/XX/2022 XXXX was run on terminal with out pin when girls did not return with my cards right away On XX/XX/2022 XXXX was skimmed at atm machine skimmed again XXXX was run on terminal no pin required after I replaced my card and reported fraud. On XX/XX/2022 XXXX skimmed at atm again, at terminal XXXX was run again with no pin. XX/XX/2022 XXXX skimmed at atm again, XXXX was run on terminal the girls didn't ever bring cards back to me this night went in and talked to owner to get my cards back this happened at a XXXX XXXX and I did not authorize or want these charges I reported it to the police my bank and the XXXX of the XXXX XXXX and I have yet to receive my money back XXXX XXXX XXXX said he would call me in 7 days no call bank XXXX said fraud claim was denied 2 times, police I am getting report today I reported each of the incidents the moment I notice minus the XXXX time as previously by bank XXXX in another fraud case they can not do anything till it post so after the weekend when it posted I reported it. I have done everything I can bank XXXX said it was denied because it didn't follow the common fraud scenario. He said to bring in police report and he would see if they would give in then but cant get till this afternoon. He alsi said it would be unlikely that they would give in to give me my money back even with police report but that was my best chance. I do not know what else to do.
Company Response:
State: NC
Zip: 28806
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/22 I got service done to my car by XXXX XXXX because my vehicle was overheating. After {$1000.00} worth of repairs my mechanic told me my vehicle was running great and was ready for pick up. On XX/XX/22 I went paid the mechanic for all the repairs and all the extra parts and recommendations that he made. After driving away from the mechanics XXXX min later my vehicle overheated once again and i had to be towed back to the shop. He then goes to tell me that I have a cracked head gasket and possible engine problems. Never was this said too me Prior. The mechanic supposable did all this work to my car but never fixed it at the end I had to sell the car to carbrain as a non working vehicle for parts. The mechanic wrongfully diagnosed my car charged me {$1000.00} for parts that were not needed to be changed he also did an oil change for me for a car that was not even running to milk me for more money cause he told me he had fixed the overheating issue which was not the case! I contacted Td bank to file a dispute with the mechanic and submitted all my paperwork. Td bank gave me provisional credit for {$1000.00}. A month goes by and I then see that Td bank reversed my credit and my bank was now negative. When i called the bank to find out why they reversed my claim they stated I did not give them enough information and that they tried to reach me by phone call. I submitted all the info and Td never reached out too me never received a phone call no voicemail either which they said they left. Also they never even sent me paper work in the mail about my case still waiting its been over a month. I then filed complaints multiple times and Td eventually tells me there is nothing they can do because the merchant already declined the refund. Td had all my paperwork and this was clearly fraud I even have texts that the merchant was going to compensate me but that was after i had already received my provisional credit. I would like the bank to give me back the money that they owe me and stop telling me that there is nothing they can do about it. This was clearly a scam/fraud.
Company Response:
State: FL
Zip: 33433
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account, Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. For the following accounts : Acct name : TD BANK USA/TARGETCREDIT Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are reporting is the result of identity theft, and inaccurate. During the time this account was open, I was suffering from XXXX XXXX XXXX and XXXX and had a caretaker taking care of my things. I have reported the perpetrator to the FTC as instructed. I still have not received written confirmation of these actions.
Company Response:
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A