Date Received: 2022-02-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a late fee on my XX/XX/XXXX bill. I have been displaced from my home for XXXX months and living in a hotel for the last 5 months. Mail still goes to my primary address but with the displacement sometimes things get misplaced. As what occurred with my XXXX card bill ( redcard ending in XXXX ) -- Called XXXX today XX/XX/XXXX and they will not refund the fee since they refunded a previous fee -- even though anytime I was late I immediately paid the balance in full. Spoke with a supervisor and she stuck to the letter of their policy and would not allow a fee reversal, I promptly closed my account with XXXX. I use this card a few times a year and frequently shop at XXXX but that will no longer be the case. The {$15.00} I saved is not worth the {$29.00} late fee. It is amazing to me that they would rather loose a patron of their store and a loyal customer than reverse a {$29.00} fee. I have been in Financial Services my entire career and worked for several banks and manage Customer Experience and Call Center teams and I would never turn down a customer request that wanted to close their account due to a fee. The scrutiny banks have around nuisance fees should extend to store cards -- they seem to care even less about good service. Especially for customers that explain their extenuating circumstances. Also I wanted to on online and setup auto payment of my minimum due but my card is packed away with many of my personal things and I can't otherwise get my full account number and it is needed to go online to set this up and include on the form they wanted to mail me! So they do little to assist customers with setting up auto payments to avoid a late payment.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I choose to send payments to XXXX XXXX ( TD XXXX XXXX XXXX ) that I initiate through my bank ; I refuse to let banks that I have no relationship with grab money directly out of my checking account at their own initiative. I instruct my bank to send payments to TD XXXX XXXX XXXX 3 to 4 days before the account due date since TD XXXX XXXX XXXX will not accept ACH payments initiated from another bank and requires payments to be sent by check through the mail if I do not allow them to enter my bank account on their own initiative and grab money directly from my bank. For the last 2 payments, although the paper check was mailed 10 days in advance of the due date ( 7 days normal mailing time + 3 days early ), TD XXXX XXXX XXXX claims that they are receiving the paper check 2 days after the due date and subsequently charging me a late fee. Since I have to deal with paper checks to make payments to XXXX XXXX and I instruct my bank to mail the payment check so that is is received on the due date ( not early ) and XXXX has not tried to claim that they are receiving checks late ( thereby charging a late fee ), I know that TD XXXX XXXX XXXX is intentionally holding back receipt of the paper check in an effort to collect a late fee. My bank has already processed my XX/XX/2022 payment to get to TD Bank 4 calendar days before the due date so I can not request it be mailed earlier. I want TD Bank to acknowledge the XXXX payment when they receive it in their mail and not a week later when they get around to it.
Company Response:
State: PA
Zip: 19320
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello- I am trying to remove the escrow account associated with my mortgage. I have contacted TD Bank, who services the loan and escrow, about this multiple times. I called customer service three times : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time they asked me to submit a letter with e.g. account details and details about the request. The second and third times they said there was no record of having received a letter nor of the previous calls I made. I delivered the letter to them three different ways, all of which the customer service representative suggested. The first ( XX/XX/XXXX ), I gave the letter to a local branch. The second, I mailed via USPS. The third I emailed to them directly. I've received no communication back from them and don't know how to move forward with this. Any help would be very much appreciated. Thank you!
Company Response:
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Opened an account and received donations due to the fact that my mother passed away. Haven't been able to contact anyone and Ive been waiting for 5 weeks. Making a complaint to the Consumer Financial Protection Bureau and a complaint to the VA General Attorneys Office.
Company Response:
State: VA
Zip: 22079
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: TD Bank XXXX XXXX recently started charging an interest rate fee on foreign transactions. I did not receive proper notice of these charges. Now I am being charged small amounts monthly. Unlike other credit card companies, I'm unable to allocate my monthly payments to directly pay off my foreign transactions. The only way to stop getting charged these small amounts is to pay off the entire balance. There is no recourse, there is no way to stop the fees, and I was never aware that I would be charged. This seems like dishonest practices to nickle and dime customers.
Company Response:
State: PA
Zip: 19460
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing in reference to the 30 day late payment marks of XX/XX/XXXX - that TD Auto Finance supplied to the XXXX XXXX credit bureaus XXXX, XXXX and XXXX ( I have circled the items in dispute, on the attached copy of my credit reports. ) On XX/XX/XXXX - I mailed a payment check to TD Auto Finance dated : XX/XX/XXXX for the amount of {$660.00} which was to cover the XXXX payment in question. - I explicitly requested the post office to post-mark the envelope which they did was clearly marked as XXXX XX/XX/XXXX ( See copy of Check and Postal Receipt attached. ) On XX/XX/XXXX I noticed the late payment marks on my credit bureau reports, - I immediately contacted TD Auto Finance via phone but to no avail. Finally on XX/XX/XXXX TD Auto Finance acknowledged receipt of payment but they only posted it as a payment received on that date. On XX/XX/XXXX I sent a letter with certified mail to TD Auto Finance requesting them to correct the erroneous reporting. ( See attached my letter to TD Auto Finance ) On XX/XX/XXXX TD Auto Finance sent me back a canned letter declining to make any changes. ( See attached the letter from TD Auto Finance ) On XX/XX/XXXX I disputed this late payment mark with XXXX but they seemingly only forwarded my dispute to TD Auto Finance. On XX/XX/XXXX I got a response from XXXX that TD Auto Finance once again refused to update my report. ( See attached dispute response from XXXX ) Attachment Summary : 1 ) Copy of my 3 bureaus credit reports circled the erroneous reporting 2 ) Copy of dated check sent for payment 3 ) Copy of Postal Receipt 4 ) Copy of my letter to TD Auto Finance 5 ) Copy of the response letter from TD Auto Finance 6 ) Copy of response letter from XXXX On XX/XX/XXXX I got a response from TD Auto Finance thru the CFPB- with incorrect reasoning of why they wont remove the derogatory reporting ( Completely disregarding the Date stamped Postage Etc. ) The letter was signed by " XXXX - XXXX XXXX XXXX '', with his direct cell phone number XXXX.- where I can call about this complaint, but when I called the phone number XXXX the voice mail says that affective XX/XX/XXXX he no longer works with this division at TD.
Company Response:
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: TD Bank failed to notify me of the change in payment, failed to apply my automatic payment properly to my monthly charge, failed to adjust the payment amount despite the money being in the linked account. I moved all of my banking relationship over to TD Bank and configured my automatic payment drafting to ensure that this would never occur. My payments were not applied, and I had to call in and speak to someone who was able to reverse the fee, properly apply the payment, and get my account into the good standing that it should have been from the beginning of the issue. I paid {$6700.00} on XX/XX/XXXX, and again on XX/XX/XXXX via my automatic draft that was set up to pay my mortgage amount. I was never notified of the change, or of the fact that the amount was not correct. The second payment of {$6700.00} would have resolved the initial short amount, by which time I received a notification from my credit monitoring that a late payment was received. At this point, I immediately called TD bank, who saw the issue, reversed the fee, and adjusted my payments properly. The individual that I spoke with told me to just fill out a dispute form and the credit mark would be removed from my credit report, however I just received the result back and the dispute was declined. I want this dispute overturned, and the mark removed from my credit report.
Company Response:
State: FL
Zip: 33156
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: money market and checking acocunt opened in my name I did not open these accounts TD Bank Account # XXXX Account # XXXX
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My partner and I deposited a check into TD Bank - a branch in XXXX, XXXX XXXX ( we opened the account in XXXX XXXX, XXXX XXXX, XXXX NY during summer 2021 ) on Friday, XXXX XXXX. The bank teller said the check would clear on the upcoming Monday the XXXX. The check never cleared. We were able to use almost {$100.00} at a diner called XXXX after the deposit on Friday the XXXX. The funds were no longer made available to us after we used the money and we were supposed to have {$100.00} available. I contacted the bank teller after Monday and they told me that since it was the first check I deposited it will take more time to clear especially since XXXX XXXX was a holiday. I dont know about it being the first time because my partner said he may have deposited a check. We have both had direct deposits made into the account. In any case the bank has not allotted my partners funds to him. We have a joint account so we also have access to each others info. I also must note that logging into my TD account has been very difficult there have been times where I can not log in no matter what I do- same for my partner ( to the online portal ). I have had to set up voice recognition and had to go in person more than once to verify my identity. I have had to change my address on file more than once as well because they had an address we did not give them on file as it was an old address. It is now one week later and our funds have not been made available to us. We also deposited this check from my partners lawyer in the amount of over $ XXXX which is equivalent to perhaps a person who is a doctor or another position of that nature. My partner called TD today ( XXXX ) and they stated that the funds would be available at XXXX or XXXX. It is now XXXX am and no funds and we owe a vet bill. I made an appointment thinking that the funds would be available by now. I want to close this account down after we receive and use this money.
Company Response:
State: NY
Zip: 11701
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: This is my second entry because the response to my first one does not address the issue at all. XXXX is the first claim its all the details. TD Bank is making false claims. They sent me an adverse action letter that says I have a credit score XXXX and have sufficient credit with their bank which is not an indication of anything adverse that would deny an additional credit line increase. In their response they told me I provided that score and it is significantly different than what they have. I did not provide my credit score in the letter THEY sent me. This bank has issues with the adverse action program and the CFPB should investigate this bank and their responses.
Company Response:
State: KS
Zip: 66212
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A