Date Received: 2022-06-12
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: XXXX XXXX XXXX XXXX TD Auto Fraud Department XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX refuse to provide last name XXXX XXXX, NY XXXX XXXX XXXX, Finance Manager XXXX Fraudulent / Altered Loan Application I am reaching out to your department because I have exhausted every attempt to reach an agreement with either XXXX XXXX XXXX to Flat Cancel a car loan or with TD Bank Auto Fraud Department to Revoke the car loan which both business are very much aware was acquired with a fraudulent and altered application. Before I became aware of the Altered loan application. Just by chance I first became aware that an additional {$12000.00} plus dollars amount that was added to the price of the vehicle of {$42000.00} to finance the loan, had nothing to do with the explanation ( XXXX XXXX XXXX XXXX ) gave me XXXX XX/XX/2022 when I asked him for a dollar amount breakdown as to why the loan had increased by so much. His explanation was that that additional {$12000.00} was in relation to the taxes, car insurance, and loan finance when in reality the additional {$12.00} XXXX plus dollars were added dealer fees. After I exposed XXXX and the dealer of their failures of full disclosure and lies, and in addition to the more serious situation I have also become aware that they presented a Fraudulent / Altered loan application to obtain the loan in my name. XXXX XXXX asked me to come back to the Dealership on XX/XX/2022, that they would Flat Cancel the car loan. However, they lied again. When I visited, they wanted me to sign a non-dispute loan form. Which I refused. After XXXX refused to Flat Cancel the Fraudulent loan. I called TD Bank Financing Fraud Department on XX/XX/2022. I communicated with a XXXX XXXX XXXX he refused to provide his last name ) I informed him that they needed to Revoke a car loan contract assigned to them by XXXX XXXX XXXX under my name, for the reason that I discovered that the loan application presented by XXXX XXXX has been altered by them. After a few backs and forth phone calls, between XXXX XXXX and myself. He informed me that it would take over two weeks to clear the loan issue because he would need to contact the officer who deals with that area. However, to my surprise he called me back 20 minutes later from a different phone number to inform me that he had talked to the XXXX XXXX XXXX or XXXX and that XXXX had agreed to process the Flat Cancel loan and it would take about two days to process. The Flat Cancel loan was never processed. I called back XXXX XXXX on XX/XX/2022 and questioned him as to why the cancel loan was never processed. I also did address that as a banker he must be aware that altering a credit application is a crime which should be sufficient reason to Revoke the car loan and that I refused to take any part of it and want out of this loan transaction. XXXX XXXX became defensive and hostile and denied that he previously spoke with the XXXX or XXXX. He then responded I am done I can not help you and hung up the phone. ( Just want to add that during our conversations he called me from two different numbers which I found suspicious. 1st from the fraud dept no. XXXX, then he call me back from a 2nd no. XXXX ) I accidentally discover the altered fraudulent application when I called TD Auto Loan Customer service and requested a copy of the loan application because XXXX the finance manager, never supply me with a copy. The salary on the application was listed as {$84000.00} yearly when I clearly informed him twice that I was retire with a set income of {$33.00}, XXXX yearly. I was also never asked for any proof of the income. Hopefully, you can assist me in resolving this matter. The car has been parked and not being used since XX/XX/2022. All of the above took place between XX/XX/2022 the first time I picked up the Vehicle and XX/XX/2022, the 2nd time I pick up the vehicle again because the Police ordered them to return it back to me because they had confiscated the vehicle without authorization during my visit to their dealership on XX/XX/2022. I have sent emails complaints to TD Bank customer Service and have sent Certify return receipt mail to XXXX XXXX. No one has responded to correct the crime committed. I have various PDF files noting in more detail the various back-and-forth conversations with TD Bank, and XXXX certified if needed. I am hoping you can help me or at least direct me to the correct department that could assist me. Thanking You in Advance for your Assistance
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-12
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: We are submitting a complaint because TD Bank signed a contract with us saying the recipient would receive a certain amount in XXXX reais, but the recipient received the money in US dollars, in a much lower amount than was sent. The XXXX wire was not received from TD Bank, it was received from XXXX XXXX XXXX. And besides receiving a lower amount in dollars, the money was converted to reais at an exchange rate that we did not agree upon. The total amount received is significantly less than what we agreed to. We have been trying to get answer from TD bank for almost 12 weeks, and they never explained to us the reason for the discrepancy. TD Bank originally said that perhaps there were fees charged by the local recipient bank. We have shown documents provided by XXXX XXXX XXXX and the recipient that the only fee charged is the IOF fee of 0.38 %. Another very strange fact in this transaction is that XXXX XXXX XXXX did not receive the money directly from TD Bank or in reais. The money was sent by another bank, XXXX XXXX XXXX. Even with this, TD Bank still has not given us the missing money back. Because they keep blaming the discrepancy on fees charged by the local bank, which we have proven no fee has been charged, we also decided to send a wire through XXXX XXXX to the same recipient, and there have been no issues and the recipient received the expected amount which we also communicated to TD Bank through three people. We first contacted the branch manager ( XXXX XXXX, XXXX ), who then quit and we were never notified. Then we contacted the branch manager who replaced XXXX XXXX XXXX XXXX, XXXX ) who informed us they would do an investigation, and so far we have not received an outcome. Initially XXXX did not want to give me his managers contact information, and after weeks of not resolving the problem, he finally provided me with his managers name ( XXXX XXXX, XXXX ). XXXX called us on XX/XX/XXXX, and we made him aware of the entire situation. Today is XX/XX/XXXX and we have not received an email from XXXX nor a resolution from XXXX. In this entire process, TD Bank said that they dont know why XXXX XXXX XXXX is involved, why they took the money in reais and converted it to dollars, at an exchange rate that we did not agree on. We were never informed that a middle bank would be part of the process, but the main issue is that a middle bank converted the money to dollars, and then the XXXX XXXX XXXX converted the dollars to reais. So TD Bank said we could send the money in reias, so in this process the money started in dollars, TD Bank sent it in reais, XXXX XXXX XXXX converted it to dollars, and then XXXX XXXX XXXX converted it to reais again. The agreement in our contract with TD Bank was supposed to be them converting the amount to reais which would be received by XXXX XXXX XXXX, but it went from dollar to real, converted to dollar, then back to real again without our consent. Because of all that, the amount received was much less than promised because of all the conversions. Please note that none of this was communicated prior. We were originally going to send the money in dollars from TD Bank, but XXXX ( the TD Bank employee who sent the wire ) advised that we could send the money in reais, and the advantage is we would know exactly how much the recipient would receive. If we knew this would be the process, we would have sent the money in dollars which was our original plan. Here are the details of the transaction : XX/XX/XXXX : We went to TD Bank and sent the wire. XXXX advised that we could send Brazilian reais, and a benefit of that would be we would know exactly the amount the recipient would receive since the exchange rate would be locked. The value in US dollars that was withdrawn from our account was US {$76000.00}, the exchange rate was XXXX, and the recipient was supposed to receive the money in reais in the value of R {$350000.00} ( see document called TD Bank Wire Contract ). However on XX/XX/XXXX, the recipient sent documentation that the XXXX XXXX XXXX received the amount in dollars, in the amount of {>= $1,000,000} ( see document called XXXX XXXXXXXX XXXX ). We also provided 2 more documents to TD Bank that proves that XXXX XXXX XXXX converted the dollars using the exchange rate of XXXX, and that the only fee applied was for 0.38 % of the value received in the amount of XXXX reais. See documents called XXXX XXXX XXXX. And we also have the recipient bank statement showing that she received XXXX reais, showing again that XXXX XXXX XXXX only charged the 0.38 % XXXX fee see document Recipient bank statement. We also provided TD Bank with the official document from XXXX XXXX XXXX showing the details of the wire received in dollars and the exchange rate that they used to convert to reais. See document called XXXX XXXX XXXX exchange contract. XX/XX/XXXX : We went to TD Bank and spoke with XXXX XXXX and gave him all the information. Two weeks later after many phone calls, we found out that he was no longer with TD Bank, so we started contact with XXXX XXXX the new branch manager. We shared all documents with XXXX, and he told us that he was forwarding all documents to his manager. XX/XX/XXXX : XXXX sent us an email showing that TD Bank was trying to communicate with the XXXX XXXX XXXX through the XXXX XXXX. We worked with XXXX and did not get a resolution, so he finally told us that his manager would contact us. XX/XX/XXXX : XXXX XXXX, XXXX XXXX, first contacted us. Since then, we have not heard from XXXX, and there is still no resolution.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2022-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-11
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I have a checking account with TD Bank. At some time prior to XX/XX/2022, someone attempted to open another checking account and a savings account under my name with TD. I received a letter in the mail saying " thank you for opening a new checking account. ) When I logged into my account online, I noticed that in addition to my existing account, that the two additional accounts appeared. I contacted TD. They connected me to their fraud department, who indicated that someone had stolen my identity. They directed me to contact a credit bureau as well as the FTC to report stolen identity. TD has since removed the two fraudulent accounts from their web portal.
Company Response:
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2022-06-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My ID Theft company alerted me that an account had been opened in my name at TD Bank. Together we called the fraud department at TD Bank. The TD Bank employee took the information and stated that they would investigate and get back to me in writing. They also said that we were not to call to check on the progress of the investigation. They would give me NO information about the account type or anything. This was over 1 month ago and I have received nothing from TD Bank regarding this matter. As a result, I have had to freeze all of my accounts, launch fraud alerts at all of the credit bureaus and XXXX XXXX so I am not de-frauded. I want TD Bank to respond to this investigation, perhaps you have some leverage with them?
Company Response:
State: GA
Zip: 318XX
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XXXX I purchased furniture from XXXX XXXX in XXXX, Tx. I started making payments in XXXX of 2022 to XXXX Bank, and I've made each one. When I started the process of buying a home, once my credit report was run it showed that I was XXXX payments behind on my XXXX XXXX payments. I went back to the store to find out what the problem was. A new store manager explained to that my account was split between XXXX creditors. XXXX Bank and TD XXXX, I was completely unaware that I was supposed to be making payments for XXXX account to XXXX separate creditors. My account was split between both to facilitate the sale and I had no clue. He apologized and gave me the number and advised me to call XXXX XXXX. I only received payment notifications from XXXX Bank, not XXXX XXXX. If I had known this, I would have been making my payments to both companies because I am able to do so. After speaking to the representative at TD XXXX I was given my acct #, the past due, and the due dates. I explained to the rep and a XXXX what happened, and I will be taking care of the late payments tomorrow XX/XX/XXXX and making the regular payment on the XXXX. I asked once I make the past due how long will it take for them to remove the late payments from my credit report, because I essentially had no clue that they existed and was supposed to be paying them also, and it's making it more difficult for me to buy a home. I was told once they investigate and it's verified, I'm telling the truth, then they can see about removing the lates from my credit report. I do not think this is fair.
Company Response:
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
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: Order XXXX was placed to Nordstorm, they shipped said order by XXXX XXXX. XXXX XXXX tracking. The said package arrived in a small box. However, upon opening the package, only one item was in said package. This was a tshirt/tank top. I advised nordstrom via chat and was told a refund would be issued. However, they denied the claim and stated the package was delivered. The delivery was never in question, what was in question was the items packaged. I only have one item. They need to refund the items not included. They have an issue with the warehouse.
Company Response:
State: MO
Zip: 63640
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an account with TD Bank on XX/XX/22 because of a promotional ad on XXXX. The ad stated I would receive a bonus of {$150.00} if I opened a Convenience Checking account and received a direct deposit of at least {$500.00} within 30 days. I have met all of these requirements but I have not received the bonus. I have called TD Bank multiple times concerning this issue and everytime I call they advise the department that handles promo bonuses does not take calls and that I just have to wait. Any assistance you can provide would be greatly appreciated. Thank you.
Company Response:
State: FL
Zip: 32812
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been receiving notices from XXXX XXXX and TD XXXX XXXX XXXX that I was behind on payments to my account since XXXX or XXXX of XXXX. Knowing that I never opened a card or account with XXXX XXXX XXXX, or TD XXXX XXXX XXXX I was throwing the notices away thinking they were some sort of scam tactic to try to get my personal and/or financial information. On the third notice, I decided to investigate. I accessed my bank 's tools and I was able to access my credit report. My credit score had dipped XXXX points since XXXX! My credit score was very high ( XXXX 's ) and now it's in the XXXX 's! I looked at what accounts I had open, and sure enough, it said I had an account open with XXXX XXXX since XX/XX/XXXX. It showed as a revolving account of {$76.00} a month and all payments were made up until XX/XX/XXXX! On XX/XX/XXXX, I called XXXX XXXX to inquire, but it was a Saturday, so they gave me several numbers to call during the weekday. XXXX Customer Support : XXXXXXXX XXXX XXXX Fraud Department : XXXX XXXX XXXX Federal Trade Commission XXXX I called XXXX Customer support on XX/XX/XXXX to inquire if there was an account open associated with my name, phone number, or any of my email accounts. There was nothing. They suggested I reach out to the XXXX XXXX Fraud Department. On XX/XX/XXXX, I called XXXX XXXX Fraud Department and they directed me to go to www.myonlineaccount.net to dispute the account. They also made a note of it on my " account '' so my complaint could be attached to the account. I did so, but have not heard anything back yet. They also suggested I call the Credit Bureau and Federal Trade Commission at the numbers shown above. On XX/XX/XXXX I called the FTC and it mentioned a website to enter my information/complaint and because of the nature of the complaint I was directed to submit a complaint with the CFPB.
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: When ever I use my card for payments the balance on my account would immediately updated - real time. As of Monday XX/XX/2022 the balance on my account ( checking ) was $ XXXX. After this balance there was two incoming transactions - from XXXX XXXX XXXX of $ XXXX on Tuseday XX/XX/2022 and another from XXXX on XXXX XX/XX/2022 $ XXXX early around XXXX XXXX. However, these deposites were not shown up on the account until Thursday XX/XX/2022. And there were two outgoing transactions- one for {$910.00} for home rent, and another for $ XXXX for XXXX energy payment. After these transactions my ending balance should be $ XXXXBut I was told my ending balance has a negative balance of $ XXXX The reason the brach manager gave me was, a payment for car rental which is paid on Friday XX/XX/2022 for $ XXXX has been pending and that was the cause for negative ending balance. The reason why I didn't buy his reason is : 1 ) Whenever I making payment the Bank App on my phone updated immediately on real time. And I have seen that as I mentioned above the ending balance was {$650.00}. 2 ) Even after {$580.00} clear on XX/XX/2022, stlll my ending balance should have positive balance of {$240.00} or above.
Company Response:
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Unfortunately, I contracted XXXX twice. I subsequently lost my job, my wife also was ill. I contacted the company to make arrangements for deferment or modification. I was denied by the company. I was denied protection given under law by the CARES Act. Under the CARES Act, stating : " XXXX XXXX, acting director of the Consumer Financial Protection Bureau ( CFPB ), recently stated that the bureau is taking much-needed action to protect consumers, particularly the most economically vulnerable. [ 1 ] As part of this new focus, the CFPB will take aggressive action to ensure that regulated companies follow the law and meet their obligations to assist consumers during the COVID-19 pandemic. [ 2 ] As such, the case for CARES Act examination preparation is stronger than ever. ''
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A