Date Received: 2021-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On or about XX/XX/XXXX, I was served with papers for a lawsuit in the Civil Court of the XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, N.Y. XXXX. They stated they represented TD Auto Finance and the amount being sought was {$5700.00}. There was no warning of a pending lawsuit or any attempt to collect any money from either TD Auto Finance or XXXX XXXX XXXX XXXX. This attempt at collecting {$5700.00} makes no sense since I had already paid off any debt that I owed TD Auto Finance. I voluntarily surrendered a car to TD Auto Finance in XX/XX/XXXX. I paid off any debt owed from the car in XX/XX/XXXX. My credit report indicates this. ( I am enclosing a copy of the credit report which pertains to TD Auto Finance ) Both XXXX and XXXX state I have a XXXX balance and my past due amount is XXXX. XXXX notes in it comments, " Account legally paid in full for less than the full balance. '' I had an agreement with TD Auto Finance to make three payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which I made to fully pay off the car which my credit report indicates. What makes no sense on my credit report is that XXXX states I owe {$6900.00} which is not the amount that XXXX & XXXX state I owe. In addition, the XXXX report states I have been paying off the car in XXXX and XXXX even though I turned in the car in XXXX and have not made any payments on the car in XXXX and XXXX. I answered the complaint on XX/XX/XXXX, in the Civil Court of New York. I said I did not owe the debt and that I paid off the debt already. In addition, I mentioned that I was a victim of identity theft and stated that the identity theft may have something to do with the lawsuit. I spoke with XXXX XXXX of XXXX XXXX XXXX on XX/XX/XXXX. He confirmed to me that the car was voluntarily surrendered on XX/XX/XXXX. He also stated the car was sold in XX/XX/XXXX. I never received any notification of this. He also confirmed to me that I had made three payments to TD Auto Finance, 1 ) {$440.00} in XX/XX/XXXX XXXX ) {$1300.00} in XX/XX/XXXX and 3 ) {$1300.00} in XX/XX/XXXX. I told him that is when I paid off the debt so why are you suing me. He responded that he would have to check with TD Auto Finance to see exactly how much I owe. I told him that the credit reports state I have legally paid off the debt and he responded that he doesn't look at credit reports only papers that TD Auto Finance gives him. He also stated that he does not report anything to the credit bureaus. I the3n received a letter from XXXX XXXX XXXX stating to me to give them a statement of Identity Theft and to review my credit reports. This after Mr. XXXX had already told me that he does not look at credit reports. I did respond to their letter giving an explanation. Today on XX/XX/XXXX, after speaking to XXXX XXXX who gives me credit counseling, I called XXXX at their direction. I spoke with XXXX ( work # XXXX ) and asked him who was reporting that I owed a balance to TD Auto Finance and have been paying for the car in XXXX and XXXX. He responded that TD Auto Finance reported this and reported this to XXXX on XX/XX/XXXX. I explained the situation to him, and he advised me to file a complaint with CFPB which I am. I have been treated very unfairly by both TD Auto Finance and XXXX & XXXX. I feel I am being harassed. I am being sued for a debt I already paid off. I was given no warning of getting sued. I was just served with papers. The law firm admits I made payments months after I surrendered the car. They also admitted that they don't know how much I owe due to these payments. My credit report confirms that I paid off the debt legally and have a XXXX balance. It also appears that TD Auto finance is reporting incorrect data to XXXX credit bureaus was confirmed by the representative from XXXX. I am enclosing the necessary documents from my credit report for your review as it pertains to TD Auto Finance.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2021 at approximately XXXX XXXX PST, I received a call from a collections person stating that it was an attempt to collect a debt. She said my account was 13 days past due and I disagreed because I made two payments and canceled the second one. After asking questions I found out that TD Bank ( XXXX ) had canceled my first payment set up on XX/XX/XXXX because I had two payments for the same month making it appear that I hadn't made a payment. They later told me that I didn't have to pay the {$29.00} late fee but it would be taken off at the end of the payback time. This is a tactic often used by banks attempting to leave on the additional fees without the consumer noticing it. When they set up the account back in XXXX I also noticed that they added on additional money.
Company Response:
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have been a Target red card member since XXXX. I have never maxed out the card or been late and i always over pay my bill. I have submitted credit limit increases in the past most recently in XXXX. The representative stated that the review would happen around XX/XX/XXXX. I called back XX/XX/XXXX and the rep told me that the increase had taken to place and to wait for the letter in the mail. I called back XX/XX/XXXX and they are stating that it wasnt true and the increase didnt happen Im overly frustrated at this point and fear that this is discriminatory.
Company Response:
State: FL
Zip: 33309
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received an email on XX/XX/2021 thanking me for opening a new account with TD Bank, following that email there were 3 others updating the email, phone number and address. I called the number from the email and they closed the account immediately. I went down to the bank and tried to have the account pulled up with ID but they were only able to pull it up with my full social security number. I was asked to verify another name I would have used to open the account and when I gave them my maiden name XXXX, the teller verified that was correct. I do not have nor have I opened any accounts with TD bank in well over 5 years. Once I pulled credit report I have noticed other items that should not be on there either.
Company Response:
State: FL
Zip: 327XX
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Notice received from Target RedCard that an application for a card was made in my name but was declined as they were unable to confirm required information
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I reached out to Nordstrom also i spoke with them so many times also send letters in what they asked for they responded back with another account I dont have no knowledge about the correct account Im complaining about is account number XXXX i was the open the account in 2015 but someone got my account and made charges my wallet was stolen out my car my identity been stolen before prior to this and all Im asking for is the charges i didnt make be removed and my account be fixed
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have an old account on my credit report showing inaccurately from target the account was closed and paid as agreed it would be removed of my credit report once I paid the account they closed the card and put charge off on my credit report however this account is statute of limitations and should be removed it is over 7 year any way please help in this matter
Company Response:
State: FL
Zip: 33905
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: double practice issue on overdraft protection that the argee went the account open over nine year ago
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I recieved a debit card and also 2 sets of checks from TD Bank for accounts I never opened. I don't have any accounts with TD Bank! I notified TD Bank and they said the accounts were closed.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I currently have a home mortgage and a HELOC with TD Bank. I have been trying to refinance my mortgage since XX/XX/2021 ( 8 months ago ). I received approval from XXXX, my new mortgage lender, over 6 months ago. Since then, they've been trying to pay off the loan and subordinate the HELOC so that I can get a better rate. TD Bank has been completely unresponsive, taking weeks to months to reply to their requests, and by the time they do, my documents expire and I need to resubmit them, at which time the process starts all over again. This has happened multiple times now. I finally got fed up and called TD Bank on XX/XX/XXXX. I spoke to a supervisor named XXXX XXXX who told me that there was nothing he could do, since the subordination department " doesn't have phones '' and that there's nobody that he could call to figure out why this is taking so long. After a long back-and-forth about how waiting this long and being forced to submit documents multiple times is unacceptable, he promised to call me back in 48 hours with a solution. He never called me back. My refi team at XXXX is telling me that TD Bank always takes longer than every other bank to let go of mortgages, but they have never had a problem like this. Currently, I am still waiting because my team at XXXX is telling me that TD Bank is now demanding additional documents and refusing to move forward. It has now been 8 months since I've started the refi process, and 5 months after all was approved from XXXX 's side.
Company Response:
State: NJ
Zip: 07652
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A