Date Received: 2021-09-02
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I purchased a vehicle from XXXX ( XXXX XXXX XXXX ) on XX/XX/XXXX. XXXX had confirmed they would process official paperwork with the DMV to register the car in my name. As of XXXX XXXX is unable to provide any evidence that they have made progress registering the vehicle in my name and I am unable to legally drive the car. I used XXXX to secure financing for this vehicle through TD Auto Finance and have made a down payment and 2 monthly payments. My third will be on XX/XX/XXXX. I am unable to legally drive the car and XXXX will not process a return. I am also contacting TD Auto Finance to see how they can help and recommend they stop financing with this dealer. Any help would be appreciated. XXXX is unable to deliver on their product and I am stuck without line of sight to recourse and an outstanding {$20000.00} financed.
Company Response:
State: VA
Zip: 23139
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: First a text message from TD bank was sent to me that someone was trying to make a purchase in Ohio with my debit card. I answered NO as of no it wasnt me. Thats exactly how TD bank works. Next text message said the representative will call me. A fake Td representative called and said someone was trying to change my username so I need to confirm the original one and my social security. Soon after I provided all the information they said we need to confirm my phone number and IP address. So they sent me messages which i was supposed to confirm. All those messages withdrew {$200.00} from my account. So there were like 8 messages i confirmed. After I hang up {$2000.00} was missing from my savings. They transferred {$2000.00} from savings to debit and used XXXX to withdraw. I became a victim of a fraud and I want my {$2000.00} back. TD bank files filed a dispute and later said they wont give me my money back.
Company Response:
State: NY
Zip: 11238
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This is a written demand to XXXX XXXX who acts president of TD Group US Holdings and ceo XXXX XXXX XXXX. I am invoking my right of rescission pursuant 15 usc 1635 on any contract and account. I was not disclosed certain information about my interest in my own account, negotiating instruments, an my privacy was violated. I rescind all signatures, endorsements, and consents of the use of my information. I expect all money be returned by check pursuant 15 usc 1635. I also demand the cancelation of any contract, account, and security interest with you, and everything stated above mailed to the address of the principle XXXX XXXX in good faith.
Company Response:
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This complaint is a follow-up to a complaint about TD Bank that I filed with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, CFPB Case # XXXX. Upon receiving a response from TD Bank on XX/XX/XXXX, in the form of a letter addressed to me dated XX/XX/XXXX from XXXX XXXX. XXXX, Vice President of TD Bank 's ATM Channel, the CFPB closed my complaint, noting that the complaint was " closed with monetary relief. '' As part of its procedure when a case is closed, the CFPB requested my feedback to the Bank 's response, allowing me until XX/XX/XXXX to provide this feedback. I did so today, XX/XX/XXXX. Attached is a CFPB-generated document that encompasses my complaint, TD Bank 's response to my complaint, and my feedback ( my response to TD Bank 's response ). The CFPB calls this document a Complaint Detail ; I have added today 's date in naming this document. When you study the attached Complaint Detail you will observe that, in my response to TD Bank 's response ( hereinafter, my response ), I noted the fact that the CFPB feedback procedure does not permit evidentiary documents cited in the feedback to be attached thereto. Furthermore, after I submitted my response, I was disappointed to see that the text of this lengthy response, which I had written as numerous paragraphs for easy and peaceful reading, had become one unbroken piece of text, giving it the appearance of an emotional diatribe, a rant, instead of a logical argument. Accordingly, I am also attaching to the instant complaint a document entitled " response to XXXX,, XXXX '' that contains the text of my response in the paragraph-subdivided format by which I composed my response and intended for it to be read. Moreover, for the reader to be able to fully understand my response to Mr. XXXX 's letter, it is necessary for the reader to read his letter, preferably before reading my response thereto ; accordingly, I am making his letter easily accessible by attaching a scan of it hereto as a document entitled " XXXX letter, XX/XX/XXXX. '' Finally, I am attaching the evidentiary documents cited in my response that CFPB procedures did not permit me to attach to that response : three self-evidently entitled letters issued by TD Bank denying the three corresponding claims that I made to the Bank ; a document entitled " Secure Messages, XXXX, '' that contains my email correspondence on that date with a TD Bank customer service representative named XXXX ; and finally a document entitled " Reg-E Claim, filed XXXX, '' which consists of my third claim to TD Bank unlike my first two claims, which I filed myself, this one was filed on my behalf by employees of the TD Bank branch closest to my residence, namely the XXXX XXXX branch and the response thereto on XX/XX/XXXX by a TD Bank investigator named XXXX XXXX.
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX To whom it may concern, I am writing you today as I am asking for help with an ongoing issue regarding my previous mortgage with TD Bank. This mortgage was paid off on XX/XX/XXXX by my new lender, but due to an incorrect payoff amount the problem for me began. See below for timeline : XX/XX/XXXX - Bought home on XXXX XXXX XXXX - Bank TD Bank XXXX XXXX refinanced with XXXX XXXX XX/XX/XXXX the payoff amount of {$510000.00} was issued and overnighted to TD Bank XXXX on XX/XX/XXXX they cashed the check. XX/XX/XXXX - I started paying my new lender XXXX XXXX XX/XX/XXXX - I learned that my XXXX cards were shut off, when I called they explained to me that my credit score dropped XXXX points and my report showed late mortgage with TD Bank. XX/XX/XXXX - I received a demand letter from TD dated XX/XX/XXXX stating that my house was at risk of foreclosure, and I owed them {$15000.00} I immediately called TD Bank, after 4 hours and 4 different departments, I learned that my mortgage was never closed, and the funds ( {$510000.00} ) although cashed were never applied to my mortgage loan due to a short pay. Due to this error, my loan was never closed, and I was told that I was 5 months behind on my mortgage owing them {$15000.00}. XX/XX/XXXX - I called my closing attorneys office to help me with this issue. XXXX was assigned to my case, and it took her 2 months to get someone on the phone. XX/XX/XXXX she spoke with a gentleman named XXXX ( manager of customer service ) and he confirmed that my funds were never applied to my account, because of this my account showed that I was 7 months late and I now owed XXXX XXXX XXXX of dollars. He also could not explain as to why the funds were cashed when the payment was short. TD bank was in fact required to send back to check and notify the short pay immediately to my new lender or closing attorney. He told XXXX that he would fix my credit and once complete I would owe roughly {$4000.00} for the short pay that was missing. XX/XX/XXXX - my credit was fixed but I then started getting debt collection calls saying I owed {$33000.00}. I explained to the debt collector that I owed {$4000.00} due to what XXXX had said and they stated that they had no record of the adjusted amount due. I then decided to report TD bank to the XXXX as I needed help. We went back and forth for months. The amount for {$4000.00} quickly changed to {$7000.00} due to TD paying my XX/XX/XXXX taxes. TD bank was never required to pay my XX/XX/XXXX property taxes as my new lender was responsible and paid my XX/XX/XXXX taxes. The town office confirmed that my taxes were paid twice. With no outcome through the XXXX, I started saving money to pay the {$7000.00}. On XX/XX/XXXX I called XXXX XXXX AVP to let him know that I had {$4000.00} to pay towards my {$7000.00}. He was not willing to take the money and said that I had to pay in full immediately. I explained that if I had it, I would pay it all but at this time I do not. I could pay him {$4000.00} and will make payments to complete the amount due. I begged for some solution and help with this, but he would not consider anything to help an existing customer. On top of this amount owed I started receiving monthly bills for a {$510000.00} mortgage that TD bank claims I have with them. I am at a complete loss on this and need help. PLEASE PLEASE HELP XXXX XXXX
Company Response:
State: MA
Zip: 01887
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I Am Having a Problem with TD Bank for Some Reason in XXXX my debit card was stolen and my ex-boy friend used my debit card to make fraudulent transaction on a Old Account That i Had With TD Bank in XXXX. So i Open a New Account XX/XX/XXXX at a TD Bank Branch and also Paid the Other Account In Full Account {$560.00} account ending XXXX and the agent at the TD Bank Branch Told Me Unfortunately We Are Not Going to Give You Full Access to Your New TD Bank Checking Account the NEW Account i Open at the TD Bank Branch Because we Need to Contact our security department to remove a block for i can have access to TD Bank Online Banking. So Today XX/XX/XXXX TD Bank Closed My New Checking Account Number : XXXX Because we Detected You Had Previous Account in XXXX with Fraudulent Activity so Unfortunately You Are Not Going to Be Allow to Have Any Accounts Open With TD Bank. and i really don't understand why TD Bank Did This to me and i never did anything wrong all those problem that happen with Fraudulent Activity that was Something that my Ex-Boy Friend Did Without my Permission and stole my debit card from my other account and used my Pin to take money Out and did all did Fraudulent Stuff Without my Permission Please Help me With this i also Made a Deposit {$100.00} to open the new Account and the Branch Refused to give me back the Money For The Deposit i Did on my New Checking account ending XXXX that i try to open and they closed also
Company Response:
State: NY
Zip: 10472
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I contacted TD Auto Finance to setup autopay on my account and due to a glitch in their system, the account was never placed on autopay. I never received any phone calls from TD Auto Finance letting me know that the account was past due and that the autopay was not in place when it was supposed to be, resulting in my account being notated as delinquent 30 days for XX/XX/2021. I made attempts to contacted TD Auto Finance to delete this negative information off of my credit report, due to their representatives error in not properly placing my account on autopay. I did not receive a response from TD Auto Finance and then proceeded to send them a letter with another request to have the negative information deleted off of my credit report. They did not respond to my letter either.I am demanding that the XX/XX/2021 late payment reporting on my credit be removed, as it is tarnishing my perfect credit history and causing me unwarranted financial hardship, which TD Auto Finance is responsible for. Please send me confirmation that this is being removed immediately from my credit reports.
Company Response:
State: CA
Zip: 95020
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I received mail from TD bank checking account bonus in XXXX. I opened account online and met all requirement in XXXX. I should receive bonus on XXXX but I didn't receive checking account bonus.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Company Response:
State: FL
Zip: 33135
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-31
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a 'yard card ' which started having a payment due back on XX/XX/XXXX in the amount of {$230.00}. The bill for that month arrived a day after the payment was actually due. So we called up the company and they 'waived ' the late fee that time and we made the payment online that same day on XX/XX/XXXX in the amount of {$230.00}. The XXXX payment that was due I called the customer service number to figure out how to set up the online bill payment through my XXXX XXXX XXXX bill pay system since I didn't see them anywhere. The rep helped me through setting it up manually and it worked. However, I was unable to make the payment through bill pay as it was to close to the due date. So I made the payment, in the amount of {$230.00}, at XXXX. and that was on time. Then I set the bill payment to be made on XX/XX/XXXX for {$230.00} through my XXXX XXXX XXXX bill payment. When I get the XXXX bill I see a 'late fee ' assessed in the amount of {$29.00} for XXXX 's payment being late. I called them up in early XXXX, as I am still waiting for my XXXX Bill to come out from my cell provider to get the exact date and time, and explained that the I made the payment, of {$230.00}, on XX/XX/XXXX so I'm not sure why it took them four business days to have the transaction post and then backdate the actual transaction date to XX/XX/XXXX which is a Saturday. The rep on the phone apologized and agreed in XXXX the fee should be waived but, they couldn't waive the interest because, that was supposed to be charged. So I agreed to that and it was fine and I again paid the {$230.00} due XX/XX/XXXX. Then I got the XXXX statement and it's showing a total 'late fees / other fees ' of {$69.00}! So I called customer support again and was transferred to a manager and she explained that when I am 'making my online bill payment 's through my bank ' that it is not being made electronically as I am thinking it is. That the payment 's are actually being mailed to TD Bank as 'my bank, XXXX XXXX XXXX , has no relationship with Yard Card and almost no bank 's have these relationships with them. ' So now I understand why it appears to be taking so long to post the transactions even though I am making them so far in advance of actually being due and still being charged late fees. She explains that since they already 'waived ' one late fee that they will not 'waive ' another and I owe {$300.00} this month. I disagree with the amount due and I feel lied to because the first rep in XXXX could have explained that my bank is actually mailing them physical check payments as they have no relationship with XXXX XXXX XXXX. But, they didn't. And it's not like I knew this was happening. XXXX XXXX XXXX 's bill pay system is partially at fault also as they should make you have to input the payment for processing at least ten business days before the actual payment is due so that it get 's their in time. But Yard Card / TD Bank are most at fault for not explaining back in XXXX that these payments are actually being mailed and not electronically sent as I believed. The really odd thing is I have another outstanding loan with TD Bank for a bike that I bought through XXXX and have been billed monthly for it through XX/XX/XXXX and have had ZERO issues with paying that bill through bill pay every month making on time payments. But, for some reason TD Bank / Yard Card I have had issues with every single month non-stop. And it appears this is partially intentional by TD Bank not having any 'relationship 's ' with other banks so customer 's can not make payment 's through their online banks bill pay system as I did. And I am making the assumption this is intentional because, now I am being forced to pay {$69.00} dollars in late fees that have piled up as I was under the impression that all my payments through my bank have been made electronically but, were actually being mailed.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A