Date Received: 2022-02-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a refinance back in XX/XX/2021. I waited a reasonable period of time to receive a Loan Estimate and conditional loan approval. However, neither were ever provided so I escalated the issue on several occasions and TD Bank never responded. I continued to reach out to TD Bank and as of this date they have not responded.
Company Response:
State: FL
Zip: 32765
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-13
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I am attaching a complaint which I submitted to NY Department of Financial Services, and they recommended I contact you because you are the regular of TD Bank, a national bank and you have jurisdiction over this complaint. Please find letter attached.
Company Response:
State: NY
Zip: 114XX
Submitted Via: Web
Date Sent: 2022-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: XXXX XXXX XXXX. I specifically requested an account that does not authorize any overdraft. I want payment to be declined instead of pushing me into " the red ''. The TD Bank who opened the account assured me this was the case. Since then i have been charged thousands in overdraft fees. I was blatantly lied to when opening the account.
Company Response:
State: MA
Zip: 02148
Submitted Via: Web
Date Sent: 2022-02-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XXXX I received via USPS two ( 2 ) packages of checks from TD Bank which I did not apply for. They had different account numbers. I contacted TD Bank, spoke with XXXX and reported the problem. XXXX directed me to TD Banks Fraud Line. I am awaiting a call from them. I contacted XXXX to report the fraud. They took report and explained they would contact XXXX and XXXX. As well they placed a Fraud Alert on my report.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have exceptional payment history on all my accounts. During covid 19 various creditors closed my accounts with out my knowledge and issued charge backs on accounts with 0 balances and all accounts have exceptional payment history. This has caused my credit that I have worked so hard for to drop substantially. I have paid off every card infull and on time. XXXX XXXX has issued charge backs after I paid in full. Other creditors closed my account with notifying me and continually and fraudulently issued false late payments. This all happened during the pandemic and i am beyond frustrated because I have paid them all in full. Please help I will take this to the highest court I needed because this is un-American and more so very fraudulent practices. To prey on families that have paid and fulfilled with exceptional credit only to be penalized by false claims. Please advise. I will not allow my hard work and dedication to go down the tube for fraudulent businesses. Thank you.
Company Response:
State: NY
Zip: 11542
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: This is related to my XXXX XXXX XXXX, that I purchased from XXXX XXXX in XXXX, SC. It is financed through TD Bank Auto Finance. I have fallen three payments behind and have the means to get a payment plan, to bring the account current. However, TDAF will not negotiate, instead they have 5 or 6 undercover cars following me every day since the third week of XXXX. On XX/XX/XXXX, they broke into my vehicle illegally, and stole my expensive XXXX cell phone -again, an illegal act. Now I got word over my computer that they have used the XXXX XXXX cell phone to access my work email. This work email contains highly sensitive info on clients with the South Carolina XXXX XXXX XXXX XXXX. All around, outrageous behavior. Not to mention driving their loud, ugly cars through the neighborhood all hours day and night. No phone right now ( TDAF repo goons have it ) so send email to : XXXX Signed XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Well One of the Company is a bank Some how I recieved to accounts of checks with defen account Numbers and I never had an account with them. the other is someone in XXXX PA is useing My Name too!
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/2022 Auto pay through their mobile app I replaced the auto-pay feature w/new checking account info and it appeared no problem, went through. As an end-user I received nothing as so much an error notice or that I needed to contact them. Now 2 days later I am getting notices and late fees indicating my account is past due. Had to login again and do a manual payment, even when I login the app my payment info looks good w/the new account info. If they were unable to process my payment or I missed a cut-off time then it should have loaded in the mobile app as such so reasonable measures could have been taken. I would have called them on the spot had I been notified the new account draft info will not be processed. XX/XX/2022 speaking w/an agent trying to resolve ; seemed ok until I was put on hold for awhile only to be suddenly disconnected. Nobody has called me back. Now I have a {$29.00} check fee and credit report damage control to undertake.
Company Response:
State: TX
Zip: 77377
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Issue 1. TD Bank mortgage reported XX/XX/XXXX payment as late. Covid 19 Forebearace plan on this mortgage started XX/XX/XXXX and lasted for 18 months, so XX/XX/XXXX was during the forbearance period and should NOT be reported as a late payment. Issue 2. I paid the requested mortgage sum amount as personally directed by TD Bank upon completing 18 months of forbearance and it sat in the TD mortgage account, labeled by TD Bank as " unassigned funds '', which prompted late fees charged to me and an additional error on my credit report for late payment. TD Bank has since reviewed my payment history and removed all " late fees '', but they have not updated my credit report and my co-borrower 's / husband 's credit report. When I called TD Bank on XX/XX/XXXX about these 2 credit report mistakes, they told me to write to the credit report agencies. Please accept this as my written request for an investigation and correction of the 2 error reports on our mortgage account credit history. Thank you!
Company Response:
State: ME
Zip: 04103
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I got 2 mails on XX/XX/2022 with a negative balance, each mail got 2 different bank account numbers, knowing that I didn't open an account, i reached out to the bank over the phone. I was transferred to the fraud department and that was closed. The following day being XXXX, I got a call from the same banking institution staying that an account ending in some numbers mentioned had a negative balance of {$100.00} and that I would need to make a payment. I notified them that again I have no accounts with them, the representative told me that it would need to be paid or it will hurt my credit. I explained that it wasn't me and that I had just closed 2 account in relations to the same issue. I then gent to the bank and the banker told me that the fraud department is looking into it. Before contacting the FTC I then spoke with the banking fraud department. And I as told the account is closed. But since whomever this is has my identity, I would like to take as much precautionary measures as possible to stop this from repeating itself or to someone else. I also go a call sometin ago from my then employer stating that someone had submitted an unemployment application even while I was employed with the company.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A