Date Received: 2021-11-24
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My account got closed and I still havent received a check been trying to call and leave voicemails no one has gave me answers
Company Response:
State: FL
Zip: 33781
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: TD AUTO FINANCE is claiming that I owe an alleged debt of {$42000.00} which I, the consumer believe and do so believe this debt has been already paid for. I am a consumer, a natural person who seeks or acquires goods or services for personal, family, or household use only in accordance with the federal regulation 16 CFR 433.1 ( b ). I am also aware that TD AUTO FINANCE is a creditor pursuant to 16 CFR 433.1 ( c ). I, the consumer, has reason to believe and do so believe ALL of my billing statements as well as ALL the amounts I have from TD AUTO FINANCE is a billing error. Pursuant to 12 CFR 1026.13 ( a ) ( 6 ). Pursuant to 12 CFR 1026.13 ( a ) ( 4 ) the term billing error means a reflection on a periodic statement of the creditor 's failure to properly credit a payment to the consumer 's account. TD AUTO FINANCE has failed to properly credit all of my payments. I also have reason to believe and do so believe TD AUTO FINANCE has my social security number on file which represents a credit card according to 12 CFR 1002.2 ( k ) meaning that when I provided my social security number my alleged auto loan debt from TD AUTO FINANCE has already been paid for. I, the consumer, has reason to believe and do so believe pursuant to 12 CFR 1002.2 ( a ) my account with TD AUTO FINANCE is an open end credit plan which means I, the affiant should not have to pay any alleged debt that, TD AUTO FINANCE claims that I owe. I, the consumer, is aware that TD AUTO FINANCE may not try to collect any portion of any required payment that the consumer believes is related to the disputed amounts pursuant to 12 CFR 1026.13 ( d ) ( 1 ). Lastly, I, the consumer, is aware that according to my certified XXXX XXXX XXXX from the Secretary of State I, the consumer/debtor dont have any liens against me along with me not having any debt attached to me. This further proves that I, the consumer, doesn't have to pay this alleged debt that TD AUTO FINANCE claims that I owe. See attachment below.
Company Response:
State: PA
Zip: 19050
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2021 I discovered that my debit card had been stolen. On XX/XX/2021 I went to the XXXX, S.C. branch of TD bank and reported that the card had been stolen. The bank issued me another debit card and I was told that the stolen card was de-activated. There was {$2100.00} in the account. On XXXX/XXXX/2021 I tryed to use the card and it was denied. On XX/XX//2021 I went to the XXXX branch of TD bank and asked for a printout of activity on the card. The balance on the card was {$10.00} on the printout. It was almost closing time at bank so I was unable to dispute the charges then. There was 46 transactions on this card that I did not do. On XXXX/XXXX/2021 I went to the XXXX branch and talked to two different ladies about disputing these charges and could not get any one to give me any advice on what to do. They said nothing could be done until I had a police report. I left the bank and went to the XXXX XXXX XXXX XXXX XXXX and told them what happened. They took my information and gave me a case # XXXX. I carried this back to the bank. This time I asked to talk to the branch manager, XXXX XXXX. I told him that none of the charges was mine and I wanted to know what to do. He made a report to send in to TD bank fraud Dept. Yesterday I got the letter from their fraud Dept. informing me that there was " no fraud '' and that my money would not be replaced. I don't see how they can say there was no fraud. The card was stolen from my wallet by my XXXX XXXX while I was in bed with the XXXX virus. I also had 2 minor XXXX. This person stole my car on XXXX/XXXX/2021 and apparently she stole my debit card too. She also stole {$1800.00} cash from a safe and over {$10000.00} worth of jewelry, old coins, tools, and other items at the same time. On XX/XX/2021 my car was recovered an a few of the stolen items were in my car still. That's when I started doing inventory of my belongings and discovered the debit card stolen too. I also reported this to the police. The investigator that was assigned to my case is XXXX. XXXX XXXX. He is told me that the one who stole my stuff would be charged with a felony charges including state statue XXXX ( a ) ( 1-5 ) which is " financial transaction fraud more than {$500.00}. TD bank does not call it fraud though even with the police calling it fraud. The stolen card was still being used until the bank account was cleaned out. I done what I was surposed to do when I discovered the card was stolen. If TD bank would have de-activated the card when reported there would only have been {$55.00} of fraudulent charges instead of over {$2000.00}. TD bank made a mistake and didn't de-activated the card and instead of being honest about it they are blaming me for the fraudulent charges saying that the housekeeper must have been given the pin #. I DID NOT give her the card or a pin #. TD bank is treating me like I was the thief. They know that a mistake was made but they don't want to admit it. I reported the card stolen within 24 hours but the card was able to still be used by this thief until the account was emptied out. TD bank is unwilling to do anything about this. I done what I was surposed to do by reporting the stolen card in a timely manner. I should only be out of {$50.00} instead I'm out of over {$2000.00} because of the banks mistake. This is not right. They are not following the regulations of the federal gov. I have fully cooperated with the bank and the sheriff 's office and have agreed to testify against this person if it ever goes to court. I thought my money was protected but apparently when the bank makes a mistake the money is gone. That's what TD bank is saying anyway. I have been very disrespected by the XXXX XXXX of TD bank Everytime that I have tried to talk to someone about this. I hope and pray that your office can make TD bank do the right thing and give me my money back. They advertise " 0 '' liability on a charge that is stolen. This is a lie cause mine was stole and my liability is over {$2000.00}. I have all the paperwork concerning this event that I can mail you a copy of because I don't know how to send it through my phone. Please tell me where to send to and I will promptly send you a copy of everything that I have concerning this. Thank you very much for any help or advice that you can give me.
Company Response:
State: SC
Zip: 29673
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have TD CREDIT CARD ENDING XXXX since 2008 almost 13 years of credit history recently they reduced my credit limit from {$11000.00} to {$7700.00} in last one year because they said you are HIGH RISK customer I am keep making more than minimum payment and if they provide credit limit that I should use up to credit limit but they go credit scores and if scores fluctuate they. Also fluctuate my credit limit. I told them to reduce as much as up to {$500.00} credit limit and they warn me that it is going to over limit on your credit report. Why they threaten customer like me and keep doing this kind of practice! Everyone try to improve their credit score and this type of credit card bank keep hammer on our credit score and make worst look on financial world.
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: TD Bank is illegally charging overdraft fees even though I have a binding overdraft protection contract with them for two specific accounts. TD bank decided to stop transferring funds from a linked account in order to prevent over draft fees but Instead took advantage of me to make profit with high overdraft fees. TD bank engages in predatory banking with their excessive and unethical unfair banking practices. I need my overdraft fees reversed because a binding contract to offset and prevent overdraft fees is in place. TD bank made me go to a local branch in XXXX, Delaware to sign a document that will link my savings account to checking account so that I would avoid getting charged overdraft fees. When I asked why they stopped transferring money from a linked account to checking account so I may not get charged excessive fees, I was told that we dont know mum. In addition, I was advised by TD bank not to manually transfer my money from savings account, to allow their system to cycle itself and cover debit transactions.
Company Response:
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I met a woman online and she indicated that she was traveling to XXXX to assist in the treatment of COVID-19 patients. After various text, she informed me that since she did not have a business visa, they could not pay her through their payroll, but they can make payments to a US credit card on her behalf. She asked me wether she.can pay the outstanding balance of a secure. Credit card I had with TD Bank NA. The she started paying my outstanding nance and asked me to return the money she paid to her via gift cards. I did not see wrong with that since she was m Paying the outstanding balance on the card. The bank subsequently reverse all those payment a dhargex my card with. Approx {$43000.00} six weeks later. I feel that I am not responsible for any payments made by the bank after 3 days since the payments were. Made. Respectfully Subpmitted, XXXX XXXX XXXX
Company Response:
State: NY
Zip: 10472
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I opened a XXXX credit card on XX/XX/XXXX approved for {$5700.00} Made a furniture purchase on XX/XX/XXXX for {$3700.00} XXXX on XX/XX/XXXX Product came damaged, we contacted the company the next day and they offered to exchange it. On XX/XX/XXXX XXXX scheduled appointment to pick and exchange furniture for the exact style undamaged but wouldnt get new items until XXXX. XX/XX/XXXX we received a single piece ( loveseat ) XX/XX/XXXX we received the remainder new set of furniture and it too was damaged. XX/XX/XXXX a third exchange for a single piece was delivered. After speaking with management and trying to get it right, we asked to fully return the product and they made arrangements to take all the furniture back to store. XX/XX/XXXX was original schedule date to pick up but changed to XX/XX/XXXX Management issued a full refund but somehow I still had a balance of {$130.00} that some how stayed on my account. The interest fees continued to grow. I spoke with XXXX from customer service and she was unsure why I still had a balance. I went to speak with the salesmen and Store Manager where I bought the furniture from. He ensured my balance was fully refunded. I explained that I am receiving bills that are racking up interest and late payments. I went back and forth with the store and customer service on this matter which was a long drawn out battle. My final balance was reported on my credit report at {$420.00} I then received a letter from TD Bank dated XX/XX/XXXX stating they received information regarding fraud. ( See attached Letter ) I then contacted TD Bank and explained that I am trying to understand why there is an amount of {$420.00} on my credit file and that no one has been able to assist me with this credit reporting. I received another letter from TD Bank dated XX/XX/XXXX from a XXXX XXXX XXXX and I have been calling her and all calls go to her voicemail. So I once again went back to the local XXXX store and received documents supporting my return of furniture. I compiled all letters, store reports, billing documents, etc. and sent it to TD Bank on XX/XX/XXXX via Certified Mail to XXXX XXXX. I have been calling the phone number listed on her letter XXXX and have no success in phone calls and no response to my written request.
Company Response:
State: TX
Zip: 77388
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2021, I sent written correspondence via Certified U.S. mail to TD Auto Finance requesting that they delete inquiries on my credit reports ( XXXX, XXXX, and XXXX ) dated XX/XX/2021, considering that I did not authorize anyone employed at TD Auto Finance to make any inquiries, or view my credit report. This is a blatant violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, as I did not personally submit an application to TD Auto Finance bearing my signature.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: On Tuesday, XX/XX/XXXX at XXXX pm I received a text message from XXXX XXXX fraud alerts asking if I authorized a {$2000.00} XXXX transfer. I immediately responded No. see below : XXXX ( XXXX ) XXXX Text Message Tuesday XXXX PM Free Msg-XXXX XXXX XXXX Fraud Alert-Did You AttempXXXX To Do A XXXX Transfer For The Amount Of {$2000.00} Reply YES or NO Or XXXX To Decline Fraud Alerts No Thank for your confirmation case id # XXXX Seconds later I got a call from XXXX which is XXXX XXXX customer service so I immediately answered. The guy ( I cant remember his first name but last name was XXXX XXXX said he was calling with XXXX XXXX XXXX XXXX on a recorded line. He said there was an attempted {$2000.00} XXXX transfer to an XXXX XXXX. I said I had no idea who that was and did not complete that transfer. He said to reverse it I had to add myself as a recipient on XXXX with my name and phone number and redo the attempted transactions. He had me send myself {$1000.00}. Than {$1000.00} again. Than {$800.00} which declined because my funds were depleted. Than the call dropped. I received these text messages : Text Message Tuesday XXXX PM TD Bank XXXX WON'T CALL for this XXXX code, Enter : 635606. Don't share! Reply HELP for help, STOP to end msgs. Msg & Data rates apply. Send Money with XXXX message from TD Bank @ XXXX. XXXX XXXX sent you {$1000.00}. We'Il deposit this Send Money with XXXX payment to your TD Bank account. Reply HELP for help. Reply STOP to cancel. Msg & Data rates may apply. Send Money with XXXX message from TD Bank @ XXXX. XXXX XXXX sent you {$1000.00}. We'Il deposit this Send Money with XXXX payment to your TD Bank account. Reply HELP for help. Reply STOP to cancel. Msg & Data rates may apply. Text Message I immediately called back XXXX XXXX at XXXX and filed XXXX fraud claims realizing I had been scammed. XXXX XXXX has since denied my claims. Since TD Bank was the receiving financial institution I have to file with them. However since I do not bank with TD bank they wont do anything for me. So this is my last attempt at fighting this. All my money is gone and Im broke. Please help.
Company Response:
State: MT
Zip: 591XX
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: my old account with TD bank was opened online and was open with another accout with my name on it and i have no knowledge of it just recived oso checks in the mail then when to TD bank and they was the one who told me it was open online XX/XX/2021 with another account in my name cause they tranfored monet y from other accout to open the accout with TD bank. and i would like to press charges when we do find the person behind this please and thank you.
Company Response:
State: FL
Zip: 33755
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A