Date Received: 2021-05-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: TD Bank in XXXX MA has a sign on their door clarifying that per MA regulation, clients are to wear face covering. It further states that if clients are unable to do so ( e.g. for medical reasons XXXX, they will make alternative arrangements to deliver the service. Today I was refused access to my safe-deposit box because they determined that my face covering XXXX what they state they require, and also compliant with MA regulations that you have a fabric covering over nose and mouth ) was inadequate because a teller wanted a " mask. '' I explained that I was compliant with MA laws. I was told it didn't matter, that they had TD requirements ( which clearly contradict what their public notice declares ) and that if I didn't wear a mask they provide, they wouldn't serve me. That option wasn't practical for medical reasons. There should be accountability for capricious denial of service and access to my property.
Company Response:
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a statement from TD Bank for an account I did not open.
Company Response:
State: NY
Zip: 10031
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have been disputing back and forth with credit reporting agencies in reference to inaccurate information causing damage to my credit profile due to improper reporting causing my score and creditability as a consumer damage. This company has reported SEVERAL ERRORS on my behalf causing me hardship in obtaining credit. I would like for a PROPER INVESTIGATION TO BE COMPLETED ON THE LAST DATE ACTIVE, CREDIT LIMITS AND AMOUNTS DUE, DATES ACCOUNT WAS OPENED AND CLOSED AND A PROPER REASON AS TO WHY I DONT HAVE A FULL REPORTING STATUS FOR EACH MONTH IN WHICH I HAD POSITIVE PAYMENTS.
Company Response:
State: MO
Zip: 63136
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Someone tried to obtain a auto loan in my name without my consent or knowledge. I can not delete these fraudulent hard inquiries since the creditor can not remove them without an account. That does not make sense when the fraud was stopped before an account was secured. Now Im left with fraudulent hard inquiries. Please delete!
Company Response:
State: CA
Zip: 92663
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Please forward the information to TARGET XXXX. Thanks!
Company Response:
State: CA
Zip: 91344
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX, my wife XXXX XXXX purchased a XXXX XXXX XXXX XXXX from XXXX, a national Internet-based car dealership. I was cosigner. We put down {$10000.00} and financed about {$24000.00} with a loan from TD Auto Finance. The transaction occurred at our home ; XXXX brings you the car, lets you drive it, and then sells it to you. The entire loan transaction was conducted on XXXX 's tablet computer at our home. XXXX sells cars with a seven-day period to try the car, and the purchase can be cancelled and the car returned during that period. On XX/XX/XXXX, I took the car to be inspected by a mechanic and the car failed virtually every test of the engine. It also turned out that a body problem, a broken molding, was going to cost over {$1800.00} to repair because the part was no longer readily available. We returned the car on XX/XX/XXXX, and XXXX agreed in writing to have the TD loan " cancelled. '' We waited. On XX/XX/XXXX, TD reported the " new loan '' to all three credit reporting agencies, without ascertaining whether the transaction had been cancelled during the seven-day cancellation period. XXXX didn't pay off the loan until XX/XX/XXXX, after I had received a notice from TD that our first payment was due on XX/XX/XXXX and had called a number of times to complain, and XXXX didn't have the loan " cancelled. '' TD confirmed in a letter that the loan had been paid off on XX/XX/XXXX, though it didn't say the loan was " cancelled. '' Again we waited for the cancellation, or at least the payoff, of the loan to be reported to the credit reporting agencies. That didn't happen. I called TD on XX/XX/XXXX to verify that the loan had been paid. A Customer Support representative who said her name was " XXXX '' confirmed that it had been paid. I asked whether this had been reported to the credit reporting agencies. She said that the only way to do that was for me to submit a " dispute '' to TD 's " Credit Investigations Department, '' and she said they only had two people in that department, one of whom she said was named XXXX XXXX. I asked why I had to submit a dispute when TD acknowledged the loan had been paid off. She hung up the phone. I then wrote a letter to TD 's Credit Investigations Department demanding that they notify the credit bureaus that the loan had been paid off. The letter is attached. I never received any response. Meanwhile, my wife XXXX and I were in the process of applying for a loan to refinance our house. We waited and waited for the loan payoff to show up on our credit reports. As of XX/XX/XXXX, almost a month since the loan was paid off, the " new loan '' still is on our credit reports with no indication it has been paid off. In fact, on XXXX there is a notation that we made the first payment (! ), nothing about the loan being paid in full. My credit has been adversely affected, my credit score has gone down, at a critical time when we are trying to get a refinance loan. I tried calling TD during the week ending XX/XX/XXXX and was told there was nothing they could do, that they " would have '' sent a notification to the credit bureaus on either the XXXX or XXXX of the month. She was not able to offer any record showing that this had been done, but she blamed the credit reporting agencies for being slow to post this to our credit reports. I tried to submit a dispute on XXXX 's website today, and found that there was no way to dispute the existence of the TD loan, I was asked to select the type of dispute and there was no type listed that matched ours, and I had to select a month in which the dispute arose and it wouldn't allow me to check XXXX as the month. I haven't yet tried to submit the dispute on XXXX 's and XXXX 's websites but I will. I have the letter from TD acknowledging the payoff, it is dated XX/XX/XXXX and says, " Thank you for being a TD Auto Finance customer. We value your business and it's our pleasure to let you know your account was paid in full on XX/XX/XXXX. Congratulations! '' It is attached. One other thing : we authorized Shift to check our credit, but the Shift " concierge '' ( their word for a salesman, whose name was XXXX XXXX, told us it wouldn't affect our credit, they wouldn't make a " hard '' inquiry. Instead, they apparently contacted several lenders, all of which made " hard '' inquiries of our credit without our ever having authorized them to do so. This, too, hurt our credit because those inquiries show up on some of our credit reports. What we want : We want all reference to the TD loan deleted from our credit reports, and we want all credit inquiries made on XX/XX/XXXX deleted from our credit reports. We should be put into the same position we would have been in had none of this happened.
Company Response:
State: CA
Zip: 92128
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
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: Good Evening Target/TD Mgr ; XXXX and Cfpb ; Listen, Im shocked and perplexed today when I reviewed my credit report and still noticed that your company continues to report erroneous, misleading, incomplete information on my name for this Target/TD account # TARGET/TD Acct # XXXX. I downloaded the FCRA guide/law from FTC website several months and learned so much about consumer law. Its my basic understanding that if youre going to report information on my consumer credit report, you must ensure that youre reporting them 100 % accurate, timely and verifiable according to the provisions of FCRA. Well, this account is unverified and there is no way that you can continue it report on my credit and say that its verified. I also noticed that XXXX removed it due to violation. Its reporting with multiple inaccuracies and inconsistencies. For example, there are different and questionable dates of last verified, last reported, last payment, dates of last active, and questionable dates of 1st delinquency. Each credit bureaus are reporting this in error, plus I already paid this account and I was told that in 30 days it would be removed from my credit report. Why only XXXX removed it from my credit report? Why are there 30/60/90 CO status payment status after the account has been closed. This account is in violation of fcra and its unverifiable.
Company Response:
State: MA
Zip: 02072
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: I had received a check from a scammer on a pretext of employment stating that they check was for me to buy computers and other electronic hardware. It was a check worth XXXX and I deposited this check to my account on TD bank on XX/XX/2021. The funds were made available on Friday XXXX XXXX and the scammer asked me to withdraw {$6300.00} in cash and make a cash deposit to a XXXX XXXX XXXX account of the vendor who provides computers. I proceeded with what he had told. Later during the weekend i realized this was a scam and on Monday the check had bounced, I have lodged a police complaint and I have got the report that I was scammed and I was innocent. Now the TD bank have frozen my account and claiming that I need to pay {$6300.00}. I have no money and the bank are unwilling to unfreeze my account. PS : I also went to XXXX XXXX XXXX but they were non-coordinating and said once the cash deposit is done nothing can be made to freeze or cancel it.
Company Response:
State: MA
Zip: 02478
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX I secured a {>= $1,000,000} second home mortgage on an oceanfront property on XXXX XXXX XXXX from TD Bank, N. A. Due to Covid restrictions, the application was conducted entirely online and via phone, not in a TD Bank branch office. At no point was I presented with a form to arrange for automatic payments on the loan. When the first payment was due on XX/XX/XXXX, I struggled to find a way to make the payment but eventually found an online payment portal. I entered my payment account information for XXXX Checking and made payment. I assumed that TD Bank would store the banking information and withdraw funds automatically each month on the due date. Unfortunately, this was not the case. The statement regarding my loan was sent to my primary home at XXXX XXXX XXXX, XXXX XXXX, MD XXXX but I was staying at the property on XXXX XXXX XXXX and did not receive it. As a consequence, the payment for XXXX did not post and I was not aware until returning to Maryland in XXXX. Upon learning of the late payment, I promptly submitted another one-time payment for both XXXX and XXXX in the amount of {$33000.00} on XX/XX/XXXX. I sent two separate letters to TD Bank 's dispute department requesting a goodwill removal of the late payment from my credit report, both of which were denied. I offered to prove that I have far more than sufficient funds to cover the payments at the time and that it was confusion over their payment portal ( and the lack of automatic payments set up during the mortgage application combined with being out of town when the late payment notice arrived at my home in Maryland ) and not an inability or unwillingness to pay on time that resulted in the late payment. I have never missed a payment on any credit account in my 46 years. The late payment report to the credit bureaus resulted in a highly deleterious effect on my credit score, dropping over 100 points from the mid 800s to low 700s. TD Bank is correct that the payment was late but is unwilling to concede the fact that their mortgage team failed to present me with automatic payment arrangements when issuing the loan or that their Byzantine process for submitting payments online greatly increases the chances of confusion over " one time '' payments and recurring payments. I was asked to complete a paper form and mail it to TD Bank in order to arrange automatic payments, which is now in place and payments have been submitted on time for XXXX and XXXX, the two months following the late payment. In spite of the extenuating circumstances, TD Bank still refuses to remove the late payment from my credit report. Loan applicants to TD Bank beware. Unless you have a credit card or checking account with TD Bank, you can not even create an account for online management of your mortgage account. The system seems designed to cause late payments.
Company Response:
State: MD
Zip: 21042
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: What is this complaint about? This complaint is about fraudulent charges against my checking account ( account # XXXX and an associated debit card assigned to a friend ( referenced as her ) ( card #. ) The checking account and debit card are with TDBank. The fraudulent charges were by XXXX. What type of problem are you having? Both TDBank and XXXX are denying part or all of my claims. Both companies have not provided written information to support the associated case filed with the XXXX XXXX, Maryland police department ( case XXXX, submitted by XXXX XXXX XXXX and with the other institution. What happened? On XXXX XXXX, XXXX, I filed a claim with TDBank based on my checking account balance being {$0.00} due to numerous fraudulent transactions by payments to XXXX. TDBank described the charges as going back to XX/XX/XXXX during the initial phone call with them. The TDBank branch in XXXX, MD provided a partial list of fraudulent transactions starting on XX/XX/XXXX during a visit to the branch. I have ordered printed copies of the monthly statements from XX/XX/XXXX through XX/XX/XXXX and have only received the XX/XX/XXXX statement by postal mail. The fraudulent transactions were due to my friends XXXX XXXX being hacked and her credit and debit card information stolen. XXXX denied three claims stating that fraud did not occur. The bank claimed they contracted her and me about specific charges when neither of us received a notification. It is likely the bank contacted the person/people who hacked her XXXX and stole the money. The bank currently considers my situation a complaint submitted on XX/XX/XXXX with a second request on XX/XX/XXXX rather than a claim. XXXX delayed handling the potential claim from XX/XX/XXXX to XX/XX/XXXX due to a lack of information. XXXX located some of the fraudulent charges on her iPhone/Apple account on XX/XX/XXXX. XXXX denied the claim because I did not know the charges were coming from her assigned debit card number that is different from my debit card number. XXXX accepted the claim submission on XX/XX/XXXX with a delayed claim start date because I was finally able to conclude on my own that I needed her debit card number to file the claim. Apples case ID number is XXXX. 1. TDBank did not provide me with her debit card number as the possible source. 2. TDBank did not contact XXXX or me about potential problematic card transactions, but tried to contact the person or people who hacked her XXXX. During a visit to the XXXX, MD branch, their internal system listed no messages to her or me prior to XX/XX/XXXX ; six texts to her hacked XXXX and none to me when it is believed her XXXX was hacked. 3. TDBank did not contact her or me or leave voicemail or text message to call the bank during the claim investigations despite the banks claims they tried to contact us. 4. TDBank has never contacted me about potential fraudulent card transactions or about fraud protection. 5. TDBank apparently has never set up fraud protection services on any cards issued to either her or me since I opened the checking account in XXXX. 6. TDBank did nothing to protect the money I deposited with them even though I rely on their protecting my money as a fiduciary. 7. XXXX considers the claim partially denied even though I first contacted the company on XX/XX/XXXX instead of the XX/XX/XXXX date they accepted my claim submission. 8. XXXX mentioned in the XX/XX/XXXX call that some of the claims may be denied despite their recognition that fraud occurred. This may be due to transactions being for multiple purchases. 9. XXXX did not provide any documentation that I could use to prove her phone was hacked. 10. XXXX did not provide any fraud protection services on her XXXX or the use of their service Apple.com to protect the accounts and cards associated with the transactions. What company is this complaint about? The complaint is about TDBank and XXXX. Who are the people involved? I have only talked with customer service personnel at TDBank and XXXX. Most were by telephone with names I did not receive or first name only. The only exception is XXXX XXXX, a customer service representative at TDBank in XXXX, MD. ( NMLS ID # XXXX ; tel XXXX XXXX ) XXXX ; XXXX XXXX I have included documents from TDBank and XXXX as pdfs. Please let me know if you have any questions or comments about this submission or if you want additional information. Thank you.
Company Response:
State: MD
Zip: 21703
Submitted Via: Web
Date Sent: 2021-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A