Date Received: 2023-10-23
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: TD Auto Finacial was sent a request to send a lien release for a XXXX XXXX XXXX XXXX. TD Auto Finance sent a paper copy of the Lien Release with a postmark XX/XX/XXXX. TD Auto Finance however refuse to remove the Electronic Lien and Title Release with the Department of Motor Vehicle.
Company Response:
State: AZ
Zip: 85340
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Someone used my credit to open various accounts for credit cards including a Target store that sued me and is garnishing my wages.
Company Response:
State: MI
Zip: 48044
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Trouble during payment process
Subissue: Fees charged
Consumer Complaint: My home was in foreclosure. I applied for XXXX funds and got the loan reinstated through those funds in the amount of {$39000.00} in XXXX of XXXX. This involved a large amount of work on my part and the part of my attorney to get TD Bank to provide an accurate reinstatement figure to XXXX. We had to file a CFPB complaint just to get that done ( CFPB Complaint # XXXX ). Ultimately, TD Bank did provide a reinstatement figure to XXXX on XX/XX/XXXX in the amount of {$39000.00}. TD Bank stated in a letter dated XX/XX/XXXX in response to my last CFPB Complaint that this amount brought the loan current. See attached letter dated XX/XX/XXXX. Then, immediately afterwards, I started receiving statements telling me that I still owed over {$12000.00}. On XX/XX/XXXX, I called TD Bank after receiving one of those statements, spoke with a representative named XXXX XXXX and she told me that that amount reflected legal fees, appraisal fees, and other fees. I was then transferred to a representative named XXXX who told me that it was unusual to be charged those amounts following a HAF award -- -that the HAF award should have put my account at a XXXX balance. I then asked for a paper statement to reflect a XXXX balance and the current mortgage payment that would become due. I never received that statement and instead received a statement on XX/XX/XXXX, again telling me I owed {$13000.00}. I next sent a request for information and notice of error to TD Bank on or by XX/XX/XXXX. I have not yet received a response to that letter, but I would appreciate TD Bank setting my account to current status and removing the {$13000.00} charge, so that I may finally resume making monthly payments.
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened an account with TD Bank and set up my Direct deposit. Before I got my direct deposit, I had 2 transactions. The first was me cashing out on XXXX XXXX, and sending the funds to my mother XXXX XXXX through XXXX. The next was my mother sending me {$1000.00} Through XXXX and me attempting to add it to my XXXX. The payment was declined and the following day my account was closed. Now i can not open another checking account. Please help.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: TD Auto Finance Account Number XXXX Vehicle XXXX XXXX XXXX Vehicle Identification Number ( VIN ) XXXX 1st Per XXXX XXXX XXXXXXXX, they XXXX a check for {$3200.00} to be refunded back to the Loan. As of today nothing yet. Per XXXX tracking # it was delivered on XX/XX/XXXX. Per as well XXXX : Regards, MESSAGE FROM BUSINESS : Good morning, Please accept our sincerest apologies. XXXX XXXX should not have promised an email confirmation within the advertised time as we have to submit the cancellation request ( s ) to the carriers and get the quotes that will be refunded. Having said that, we have issued check XXXX in the amount of {$3200.00} to TD Auto Finance. The check will go out today and TD Auto Finance will process the refund at their earliest opportunity. We regret that we failed to meet our own standards and we are working hard to get this new store to meet and exceed the service expectations XXXX customers are accustomed to receiving. While we can not re-write history we can try to make amends for our short-comings. The Customer Service Manager will mail you a gift card as a small token of our appreciation for you and your business. Best Wishes, XXXX XXXX XXXX XXXX. We submitted an ACH from our XXXX acct. As of today TD has not posted the payment. Per TD Auto Finance email on XX/XX/XXXX Dear XXXX XXXX, Thanks for scheduling your online payment! Review your payment details below : Transaction # : XXXX Account Number : XXXX Payment Date : XX/XX/XXXX Payment Amount : {$480.00} Apply Payment To : Amount Due TD Auto Finance will apply this one-time payment to your account and, upon receipt of final authorization from your financial institution, a single ACH electronic debit in the amount of {$480.00} will be deducted from your bank account on XX/XX/XXXX.
Company Response:
State: TX
Zip: 77377
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I had my debit card stolen and was used for a website called XXXX XXXX. I reported it to my bank and it is almost 2 months since I made the report Ive had the account open for 3+ years I received no credit from the bank.
Company Response:
State: FL
Zip: 32953
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received an email from a website that I use to keep an eye on my credit. Email stated that a hard inquiry had been posted to my credit report. I knew that I had not applied for any type of credit or loan, so I looked into it. It is dated XX/XX/2023 by TD Bank USA/ Target C. I do not shop at Target, nor do I wish to have a target Credit Card, nor have I ever applied for any type of credit with this company. I can only assume this is either a scam or stolen identity.
Company Response:
State: PA
Zip: 15401
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XX/XX/23 Opened XXXX XXXX XXXX at a store location through customer service. I never received the credit card or credit card statements. XX/XX/23 I contacted XXXX XXXX card services to report that my credit card was never received. Customer services representative updated my address on my profile. The address on file was incorrect, so the credit card and statements were going to the wrong address. Customer service stated that my account was more than 30 days past due. I immediately paid the account and requested that the late payments and late payment reporting be removed from my account and credit report. Employee refused to give me any confirmation number of action or their employee ID number XX/XX/23 TD Bank XXXX XXXX XXXX XXXX sent a letter stating that all reference to late payments have been removed and removal has been reported to XXXX, XXXX, XXXX and XXXX. XX/XX/23 XXXX XXXX XXXX XXXX XXXX after contacting all four credit bureaus because the late payment reference had not been removed from my credit report. Customer service representative stated that they would send the information to remove late payment reference. Employee refused to give me any confirmation number of action or their employee ID number XX/XX/23 XXXX XXXX XXXX XXXX XXXX again because because late payment reference still not removed. Customer service representative stated they would review my account again. I requested the employee 's ID number. Employee refused to give me any confirmation number of action or their employee ID number. Requested to speak to a supervisor, who also just stated that they would review my account. Supervisor refused to give me their ID number. Supervisor would also not transfer me to a higher level supervisor. The supervisor, XXXX, stated that she would sent the request to all credit bureaus to remove the late payment charge. She would not confirm that I would receive a response from XXXX stating that such action was taken, nor would she provide me a confirmation number or anyway to follow up on this outcome.
Company Response:
State: PA
Zip: 15212
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' NORDSTROM TD BANK USA is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' NORDSTROM TD BANK USA the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, NORDSTROM TD BANK USA whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Company Response:
State: FL
Zip: 33705
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Dear Sir/Madam, I hope this letter finds you well. I am writing to seek your assistance in resolving a critical issue I am currently facing with TD Bank. On XX/XX/2020, my TD Bank account, which contained over {$18000.00}, was suddenly frozen without prior warning or explanation. This significant amount included approximately {$7000.00}, which had been in my account previously, and {$11000.00} from a XXXX ( XXXX XXXX XXXX ) XXXX, for which I had signed a promissory note. The reason for my account being frozen, as explained to me by TD Bank, is that they allege to have made a mistake by depositing {$50000.00} as part of the XXXX Loan, which is what I agreed upon in the promissory note. Unfortunately, TD Bank has not provided any conclusive evidence of this alleged error, and my attempts to communicate with the bank have been met with silence, as they have not returned any of my calls or provided a clear explanation for the account freeze. The sudden freezing of my account has caused severe financial distress and hardship, as I am unable to access my own funds and carry out essential financial transactions, including paying bills, rent, and daily expenses. Moreover, We had to close the doors to a business that benefitted and made a huge impact on the community, and I am concerned about the adverse impact that this situation has on my credit history and financial well-being. I kindly request your intervention and assistance in resolving this matter promptly. I believe that an objective review of the circumstances surrounding the XXXX Loan disbursement, the promissory note, and the actions taken by TD Bank will help shed light on whether any mistake was made and whether the account freeze is justified. I am fully committed to cooperating with any investigation or review required to reach a fair and equitable resolution. I am grateful for your time and attention to this matter. Your support would be invaluable in helping me regain access to my funds and understanding the situation better. I kindly request that you investigate this issue and take any necessary actions to expedite its resolution. Thank you for your consideration. Sincerely, XXXX XXXX XXXX
Company Response:
State: SC
Zip: 29440
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A