Date Received: 2022-09-22
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: TD auto finance repo my car without and the put account and collection and they are charging me insane amount. This account its hurting my life because they are charging a lot of money and every month they keep raising the amount from {$5000.00} to {$10000.00} I feel they are taking advantage
Company Response:
State: TX
Zip: 77036
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Hi Im filing a complaint with td bank I received two overdraft fees labeled something else on same day the account went negative even though brought process I advised them this is only bank that does this and what gets me is it isnt even labeled as overdraft when I look I was told this I also made another transfer instant transfer always been instant in my account unless account is negative its almost like their playing the cards to charge you these fees I spoke with rep after rep with no success on even listening to what the guidelines and procedures for overdraft is I was only told oh thats how it will be next month I would like this looked into cause I feel they are doing some shady business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MA
Zip: 011XX
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Called on XX/XX/XXXX to report fraudulent transactions from XX/XX/2022 on credit card. Multiple charges for airline tickets, rent, XXXX XXXX totaling around {$4500.00}. Was told the charges would be removed and an investigator would contact me via email or letter. I have received no communication since that call. The charges are still there and accruing interest on my card which TD Bank is charging me late fees for.
Company Response:
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I completed a ATM transaction at the TD bank in XXXX XXXX XXXX XXXX XXXX of XXXX dollars and the ATM malfunctioned after the funds had been collected by the ATM but my account has not been accredited for this transaction and my recurring weekly payments cant be paid because of this issue.
Company Response:
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I didn't authorize those inquiries on my accountant they refuse to remove them.
Company Response:
State: CA
Zip: 92139
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: TD bank sent me a text message on Tuesday XXXX XXXX alerting Fraud suspicious activity, the text message asked did you attempt {$620.00} at XXXX with card xxx? Reply Yes or No. I replied NO and I got a reply the card was locked and to call the number and open a case, case # XXXX The bank debit/credit card was stolen from my wallet on Tuesday XX/XX/2022 and XXXX transactions were made on Tuesday XX/XX/2022 at XXXX XXXX XXXX XXXX PA one transaction for {$790.00} and the same store again for {$800.00}. I do not live in PA I live in NJ. I never make purchases this large. I filed a dispute with my bank that my card was stolen and these were fraudulent charges. The bank investigated and said they believe its not Fraud and will not return my {$1500.00}. I have filed a police report with the state of NJ about the stolen credit cards and my bank will still not give me my money back.
Company Response:
State: NJ
Zip: 08724
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Title is exactly as stated. TD Bank back in XXXX closed my account because of delinquency. I had to pay off that amount before opening a new one with a balance of {$790.00}. The amount was paid in person, cash, in XXXX. Now in XXXX as of XX/XX/XXXX I was charged {$460.00} for an offset as well as on XX/XX/XXXX charged {$520.00} for a total of {$970.00}. I was told there's also a remaining balance of {$270.00}. I have contacted every single person I can manage to get ahold of. The boss of one particular store with a job title of " Business Analysts Supervisor/Account supervisor '' contacted me and told me that I could dispute the claim but there was no way they can reverse the offset. Also last week when I was in person they said they would do the exact same thing and nobody called me to give me an answer. I called back and spoke with the boss with a fancy long title. So I then called customer service. Since it was an offset they were unable to dispute it and said they would connect me to someone who could. I was connected with their Recovery department. The agent was not able to dispute the claim either. The only thing she noticed and was able to do was inquire and fill out an investigation of why I was being charged over the amount of the balance owed, which still doesn't solve the original problem of being charged 2x for something that was paid off in XXXX. I seriously need help here. Nobody at TD helps. Everyone says can't do anything about it. Nobody seems competent or in any real position of power to do anything. I have a scheduled call with the supervisor 's boss I had spoke to in the next 24 hours, " Business Analyst Supervisor ''. Essentially I'm speaking to every supervisor, getting their job title and name, and asking for their supervisor since every person contradicts themself with no consistency. When asked if they can explain the charge in detail, I never get a direct answer. It's just, X amount from collections. Forgive me on this because I'm not quite sure but after a certain amount of time don't banks just sell their debt to the lowest bidder after 180 days or so? So would a third party actually own my debt as well? Five year later collections comes after me? It all makes zero sense and feels like white collar theft. Will I have to take legal action? I'm open to all advice please.
Company Response:
State: NJ
Zip: 08060
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have received numerous calls regarding this debt I have asked all of the collection agencies to resolve this issue I have filled out many affidavits starting in 2020. I have never received a detailed statement of charges I get a print out with two charges interest in late fees but no detail on when or what was bought at Nordstrom. I have tried many times included hiring a credit repair company to dispute this claim for me and no repose to them either I have no other debts on my report except for this and it is affecting my credit when this is not my responsibility and I have asked many times for this debit to be removed from my credit!
Company Response:
State: FL
Zip: 33928
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Company Response:
State: TX
Zip: 78233
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
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: I opened a Raymour and Flanigan credit account under TD Bank in mid XXXX when purchasing two items of furniture. Unfortunately, when I received my first bill, I discovered by seeing the min amount due, that something went wrong and I did not get what was promised to me by the vendor, XXXX & XXXX. The particulars are not that important for this case but my min payment was not supposed to be that high ( {$120.00} ). I had specifically told the salesperson what I could afford as a min payment and it wasn't anywhere near that. I called the bank immediately and spoke to both an agent and a supervisor. The supervisor told me that the only way to get the min payment down was to get the vendor to extend the terms, i.e., to give me XXXX, instead of the XXXX. That would lower my payment. I filed an immediate dispute with the agent that day, explaining in detail, patiently what the issue was. I must have repeated myself five times. I was very thorough. The supervisor could not tell me whether or not I was responsible for the min payment or if I would be getting a late fee, under the dispute. I am not sure why. I always thought that everything is on hold during a dispute. I did not pay the min payment on time due to it being so high. I was not prepared for it did not have it. It was also not what I expected under deal I was offered from the vendor. However, in good faith I still made a payment of {$100.00} just a few days later. The dispute was opened two days after the due date. I found out when I received the letter in the mail from the bank, in triplicate, that the dispute was totally incorrect. Not one thing was right. I never claimed what they were stating. They told me I lost the dispute and it was closed. of course. No surprise there. The agent was either completely incompetent or they could care less what a customer was stating and put down whatever they wanted to hear. Whatever the case, it was wrong. No wonder I lost the dispute. I had been, in the meantime working with the vendor to change the terms. They gave me a hard time but agreed to do it and finally did, after several weeks. However, my min payment was never lowered. When I looked today, I seen that it is still $ XXXX. I got a supervisor again and was told that it is not being lowered. The correction to the 18mos has nothing to do with it. It is the vendor that has the agreement of the min payment being 3.5 % of the balance that is doing this. Not the length of the 0 % finance. What? So, they gave me erroneous info that I told the vendor? Are they kidding me? Now what? Now, I go back to the vendor again? What do I beg for now? Return one of the pieces of furniture? That is not going to happen. They are not going to take it back and frankly, I can't blame them. So how do I fix this? Not pay my bill? I can not afford a min payment of {$120.00} per month. Period. This has to be fixed and why when an amount is under dispute was I responsible for the min payment and or a late fee?
Company Response:
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A