Date Received: 2021-05-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In 2019 my ex boyfriend took my debit card card and ever since then I could no longer use my debit card. He tried to withdraw somehow someway XXXX and that was not even on the card. Ive had to use prepaid debit cards and I hate that.
Company Response:
State: NJ
Zip: 08876
Submitted Via: Web
Date Sent: 2021-05-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
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: Car loan was paid off in XX/XX/XXXX. TD Auto Finance still has not released the title. I have been trying to get the title released for over a year now. They kept citing a vague 'DMV error. ' Now they are telling me I need a 'registration only ' letter from the WA DMV - the car has never been titled in Washington XXXX It was purchased in California in XX/XX/XXXX and has always had a California title. TD Auto Finance refuses to communicate with the DMV or XXXX to resolve the issue and release my title.
Company Response:
State: CA
Zip: 91941
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: To whom it may concern, I have a charge off from TD BANK USA/TARGET CREDI that is still listed on all of my credit reports. I called several times regarding this and was told by TD BANK USA/TARGET CREDI company this would be removed from my credit report. I just checked again today and currently XX/XX/XXXX and it is still showing up from ( TD BANK USA/TARGET CREDI ). I would like this updated and removed from all 3 credit report agencies ( XXXX, XXXX, and XXXX ) as they had promised. Card Detail : TD BANK USA/TARGET CREDI Opened XX/XX/XXXX ( 6 yrs, 5 mos ) Closed XX/XX/XXXX Thank you for your time, efforts, and assistance in having this removed, I am grateful.
Company Response:
State: NJ
Zip: 07110
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I just received an alert on my XXXX credit report that shows I am 30 days past due on my td credit card. My score dropped 100 points and this is the first negative item on my credit card history. I havent used or had physical access to this credit card in years and any resulting activity or usage has went without my oversight. Please remedy this as soon as possible as this is purely an oversight due to my understanding that this card hasnt been used for several years. Please accept my apology and issue me this one time courteousy so I wont be held hostage by this one time issue in my long history of outstanding payments and usage.
Company Response:
State: NJ
Zip: 07650
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: TD Bank NA decides to close my account for digital fraud. I still have roughly XXXX in the account still and they have yet to cut me a check or wire it to me. Their reasoning was for not giving me back my money was I have to physically go to a branch to get back my money. I am not sure if TD knows but there is a global wide pandemic going on and traveling across countries is impossible. I was redirected to their " Demarketing '' Department but was left on voicemail every single time I call that line. They prompted me to tell them my reference number ( which I was never given and when requesting for one, they don't know what it is XXXX, my account number, phone number, and best time to contact me. I have provided them with all the information I can give, but to no avail, they have yet to contact me. I have tried emailing them, calling them, and even went to my local XXXX home branch to try resolving this issue but TD decides this was not worth their time. It has been almost a month and I have finally received a letter from their head office saying my account and relationship with them are closed.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have a XXXX XXXXXXXX XXXX since XX/XX/XXXX. I made two purchases : {$100.00} and {$13.00} totaling {$110.00} to which Target added a {$25.00} late fee charge. I did not receive communication stating the amount was due from Target until the first week of XX/XX/XXXX nor did I get telephone call. I tried to make a payment of {$140.00} using American Express. They asked for the checking and routing number INSTEAD OF the DEBIT CARD NUMBER which I supplied to them to make the payment on all of my previous orders. I find out today that the {$140.00} amount was not accepted and they applied ANOTHER late fee for a total of {$170.00} XXXX {$55.00} in late fees ). I called and spoke to four customer representatives of Target, one of which I tried to make the full payment of {$170.00} but was told " the logo for the card did not pop up '' so payment could not be made. I tried paying online and they still had " This is an attempt to collect a debt '' on my sign in page and asked for my checking and routing numbers. Had to call customer service to unblock my being able to enter my debit card number to make payment but they did not do so. I believe they are going to try to charge another late fee of {$29.00} and I REFUSE TO PAY THEM ANYTHING BUT THE {$110.00} that is owed. This is pure ROBBERY!
Company Response:
State: NJ
Zip: 07307
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My car was a total lost on XXXX XX/XX/XXXX. My insurance company ( XXXX ) paid for the total lost and my GAP insurance was going to cover the remainder. The GAP company needed some information from the dealer and TD Auto Finance in order to process the claim but the two companies were very non-compliant providing that information. I called TD Auto Finance several times every month and I specifically asked them if I needed to continue making monthly payments. They told me that I didn't need to make monthly payments because the vehicle was a total lost and the remaining amount was going to be covered by the GAP insurance and also that interest would not be accumulating anymore. I didn't get a written confirmation of this conversation but they never called me, mailed or emailed me any late statements or any notices telling me that I was late or that I needed to make payments. After over 7 months of constantly contacting TD Auto Finance and requesting that they provided the info to the GAP company they finally did it and in XXXX of XXXX the GAP company issued them a check for the remainder amount. I was very surprised when I got a noticed from XXXX telling me that my credit score had dropped dramatically. When I checked XXXX I noticed that TD Auto Finance had reported that my loan was " Paid was a Charge-Off ''. Also, in the section regarding my payment history XXXX was reporting that from the months of XX/XX/XXXX to XX/XX/XXXX there was no data available or reported to them. I submitted a dispute and the information remained the same plus in this case, TD Auto Finance reported that I was also late in payments from XX/XX/XXXX to XX/XX/XXXX. I challenged that information with XXXX and TD Auto Finance and submitted an additional dispute. They told me that they were going to look into it but is not going anywhere because the second dispute was completed and contained the same derogatory information.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I signed up for a checking account with TD Bank in XX/XX/XXXX, while they had a " Earn {$300.00} '' offer for having {$2500.00} in direct deposits within 60 days. I fulfilled the requirements with two paychecks from my employer over {$3700.00}, but never received the bonus. In XX/XX/XXXX, I contacted TD Bank, who responded that " Upon review, our records show that your account did not receive the qualifying amount of direct deposits within 60 days. '' I argued otherwise, and then they claimed that " due to a promotional bonus earned on a prior account ... the account is not eligible for this promotion. '' I did have a prior account with TD Bank, but this was closed many years ago. At the time of signing up for this bonus offer in XX/XX/XXXX, there was no language to indicate that I would be excluded because I had previously earned a bonus. I have screenshots to prove this, and countless identical complaints from other consumers.
Company Response:
State: NJ
Zip: 07039
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Other service problem
Subissue:
Consumer Complaint: On XX/XX/XXXX I initiated an ACH Transfer from XXXX XXXX XXXX to TD Bank from my computer for {$5000.00}. I unfortunately had my old TD Bank account number so it never went thru. I contacted XXXX XXXX XXXX the next day when I realized what happened. They said there was nothing they could do so I contacted TD Bank. No less than 5 times they told me that there was no active account to the number I gave them and it would get kicked back and returned to XXXX XXXX. After several conversations of XXXX XXXX trying to help me, they initiated a three way call on XX/XX/XXXX. It was agreed on that call that XXXX XXXX would need to issue a ACH Recall and we did that. I have followed up with TD and XXXX XXXX. XXXX XXXX is only one trying to help. They are following up with TD Bank almost every day and get no response and struggling with TD Bank to get them the trace number. So TD Bank has had my {$5000.00} ( which is significant to me and my family ) since XX/XX/XXXX. This is abusive from them and I have checking account and mortgage with them.
Company Response:
State: SC
Zip: 29072
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: We were recently the victim of credit card fraud. We are writing to dispute several fraudulent charges on our account in the amounts of {$13000.00} during XX/XX/2021 and XX/XX/2021. We received the letter from TD Bank Disputes & Claims, where you expressed our claim investigation determined that fraud did not occur. We really disagreed with the decision taken and for this reason, we are requesting that you investigate these charges and take the necessary time to investigate all the transactions disputed and denied. We are a small family own company, and our business account expenses are only related to the company needs, every month we have the same expenses same places related to landscaping and we have only one debit card in our possession all the time and we operate out of XXXX Fl. We asked to please call us and ask any question that helps to resolve our claim, look at our accounts transactions from the previous year, and there are no records of any of those online transactions or phone app transactions, there are card transactions in different places at the same time, meaning while we are in XXXX shopping for the business the card is being used up north at a hotel or a kid dance school. We as a person or company do not have any records of claims related to banks ' fraudulent transactions file in our past. Our records are clean of anything related to bank fraudulent issues. The odd thing is that my card was definitely never out of our possession, yet the transactions were made with chip and pin as the claim responded on the last denial. We encourage the claim and bank like 20 times via email to take a closer look at the charges and while we were in XXXX shopping for the business the card was being used somewhere else. We have heard of sophisticated software in card machines that can extract this information to make hard copies, and we guess that this happened to us. However, based on the bank denial some of the transactions were chip/pin, TD Visa has been largely unwilling to remove our charges. Then how come the bank never investigated by calling and asking questions or searching for our history as a citizen, previous fraudulent cases filed, etc.? Why even with a police report the bank or claim department had not requested any surveillance records, electronic tracking of where we were at the time the card was used? Why you the bank have not to look from XXXX back to the date the account was opened to see we never used the card in such personal places and online shopping? We have provided everything we can think can help the case and we have not received any call, or investigation that had been done only received denial without explanations. TD claims that their technology is 'so advanced ' that they would know if any existing copies of my card were used, but we assumed they do not time for our small claim. But because this is legally a minor theft, compared to probably what they have on their desk, I feel the case will not be given much attention. But for us as small family own business is our life, our work for hours and no weekends off. Our future, our kids ' future! So, it is more than important for us, and we will go as far as it is needed to get our money back. We have been treated like criminals through every step of this process. Thanks in advance. Honest people don't hide their deeds.
Company Response:
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A