Date Received: 2021-05-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: It is quite obvious based on our dealings with this individual XXXX XXXX of TD Bank Commercial Lending that he is discriminating against me as a very well qualified individual for a commercial mortgage for XXXX XXXX XXXX XXXX, after wasting more than weeks of our time, escalating documents required, when we have perfect credit, a thriving business even during coronavirus shutdowns and race riots, etc. He has insulted us, talked down to us, and denied us a mortgage even without presenting us a formal letter based on objective criteria, simply because he " can. '' I am certain he approves similarly situated white men and XXXX men under similar circumstances, all of the time. Please investigate and advise.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2021-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: my XXXX credit report is showing i owe td auto finance XXXX dollars.?? but i dont understand how i owe td auto any money if the car was repo and sold at auction cause i saw this car was sold on XXXX so the balance should be XXXX i do not owe td auto any money..
Company Response:
State: CA
Zip: 93610
Submitted Via: Web
Date Sent: 2021-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-02
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: I see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response:
State: MA
Zip: 02745
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-01
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Since opening my XXXX XXXX account and making gift purchases they have put a restriction on my account. Every day for the past month I have sent the requested documents to XXXX XXXX Card and they keep advising me that they cant verify my information. I last spoke with XXXX rep ID XXXX and when I suggested that I mail the documents she kept going around in circles stating that they cant verify my information. I am currently enclosing the information XXXX XXXX Card is requesting in this report.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2021-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Company : XXXX XXXX ( XXXX ) Issue : Charging Late Fees About a year ago we purchased an exercise bike through XXXX. We have been making payments early over the past year. We have even made additional payments. They have been charging us late fees over and over again even though we are ahead on our payments and sending them in early. I spent over an hour and a half with three customer service representatives tonight ( XX/XX/XXXX ) from about XXXX until XXXX. I have tried to get through several other times, but I was on hold for an extended period of time. They said that I was being charged a late fee, since the payment did not arrive during the " system window ''. One of representatives agreed and tried to have her manager waive the fees. The manager said she would only waive one fee, but I had to pay a late fee before she could waive that one. She also said that I had to pay additional money even though I am ahead on my payments. Here is the email that I sent to follow up ( I believe that I was given an incorrect email address as well ) : Hello, This evening I spoke with 3 of your customer service representatives. I have had an account with you since XXXX of XXXX. Over the past year, I have made 16 payments on my account. I have been ahead on my payments and some months I have paid extra. If you look at the payment history and proof of payment forms that I have attached, you will see that I have never missed a payment and I have always been ahead. I have been paying early. I paid last Month 's payment over 3 weeks early and I was told that I was being charged a late fee, since it was not within the system window. Not a single one of the customer service representatives would share any information regarding the system window for payments. I asked for the terms to be explained to me and was not given any useful information. I was passed around and placed on hold without any resolution to my billing issue. I would like the late fees that you have charged me over the past year to be credited to my balance. I will be filing a complaint with the CFPB and the Virginia Attorney General 's office. Please notify me when the late fees have been credited to my account and I will pay the balance in full. Attached you will find my proof of payments. The account is under my wife 's name. Have a nice weekend! I look forward to hearing from you! Thanks, I have also included my payment history from XXXX XXXX. XXXXRecurring XXXX XXXX {$71.00} XX/XX/XXXX Paid XXXXRecurring XXXX XXXX {$71.00} XX/XX/XXXX Paid XX/XX/XXXX XXXX XXXX {$44.00} XX/XX/XXXX Paid XX/XX/XXXX XXXX XXXX {$71.00} XX/XX/XXXX Paid XXXX XXXX XXXX {$71.00} ... XXXX XX/XX/XXXX Paid XXXX XXXX XXXX {$71.00} ... XXXX XX/XX/XXXX Paid XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX Paid XX/XX/XXXX XXXX XXXX {$71.00} XX/XX/XXXX Paid XX/XX/XXXX XXXX XXXX {$10.00} XX/XX/XXXX Paid XX/XX/XXXX XXXX XXXX {$71.00} XX/XX/XXXX Paid XX/XX/XXXX XXXX XXXX {$71.00} XX/XX/XXXX Paid XX/XX/XXXX XXXX XXXX {$71.00} XX/XX/XXXX Paid XX/XX/XXXX XXXX XXXX {$71.00} XX/XX/XXXX Paid XX/XX/XXXX XXXX XXXX {$71.00} XX/XX/XXXX Paid XX/XX/XXXX XXXX XXXX {$71.00} XX/XX/XXXX Paid XX/XX/XXXX XXXX XXXX {$71.00} XX/XX/XXXX Paid
Company Response:
State: VA
Zip: 22902
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; TD RETAIL CARD SERVICE is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. TD RETAIL CARD SERVICE is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : TD RETAIL CARD SERVICE XX/XX/19, XX/XX/19. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. TD RETAIL CARD SERVICE is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: OnXX/XX/XXXXI received checks with my name and address but a incorrect phone number - I called the Bank to let them know I did not open an account with them. The customer service rep that assisted me closed the account and advised me to report this to FTC and to check my credit and check if my identity has been stolen.
Company Response:
State: NY
Zip: 13090
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Hello, I am trying to fight a charge-off on my credit report. I had paid the Target Red Card services the full amount, but within 3 months, but they made it difficult to pay locking my only account. How long does your account have to be delinquent before they can charge-off the account? They did not write me to let me know the account was going to be closed r charged off. Please assist, XXXX
Company Response:
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I recently had {$3500.00} fraudulently debited from my TD Bank account. I have had numerous contacts, both written and telephonically, with TD Bank attempting to recover my funds, which I believe were stolen because of weak internal controls at TD Bank. I believe that my funds should be returned to me as they were electronically misappropriated. I further believe that TD Bank is not complying with the requirements of Reg E, the Electronic Funds Transfer Act in returning my funds, despite my following the requirements of the regulation to protect myself following the loss. On XX/XX/2021 at XXXX, I received a call from the TD bank customer service number ( XXXX is what showed on my caller ID ). The Agent identified himself as XXXX from the TD Bank fraud department. XXXX with TD Bank advised that I had a few suspicious charges on my account from XXXX, New York. He asked for my permission to send these charges for investigation and I said sure. He added that all he needed me to do was reply Y to a series of normal cell phone text messages. At no point during this call did I visit TD Banks website, use their banking app, provide my private information to the caller, or request that funds be transferred out of my account in any way. The call ended with no other actions taking place. Unfortunately, what I did not know is that TD Bank had allowed fraudster access to my account without my authorization, which I believe reflects a weak control environment at TD Bank. I have now been told that the criminal used TD Banks XXXX XXXX, a service that I have never used during my time with TD and did not use on that day either. The individual initiated twenty-three charges in total using TDs XXXX service. I believe that TD Banks weak internal controls and poor fraud control procedures allow customers like myself to be defrauded by criminals. After the call, I went to check my account and realized something was wrong when I couldnt log into my mobile checking account. So I called the bank using the same number I always use. As instructed by TD, I notified the police of the event and have been working with a detective here in XXXX, MA. I have now submitted three written requests for return of my misappropriated funds through TD customer service representatives and sent a record of the police report as well. Further, the representative that I have been in touch with at my local TD branch has even submitted a letter of acknowledgment that my loss occurred through fraudulent means. I have been calling customer service consistently to check up on the status of my case and to ensure they have received all the pieces of documentation required to return my funds. Each time staff ask me to repeat what happened, so it seems that TD Bank has a poor customer complaint tracking system as well as weak controls. During my last contact with TD Bank customer service, I was informed that they will not reimburse my stolen funds, hence I am writing to you for assistance. I am hoping that your office can assist me in achieving my desired outcome which would be for TD Bank to return my stolen funds in compliance with the Electronic Funds Transfer Act and the Right to Financial Privacy Act. Thank you for your time and thank you for any assistance you can provide in these trying economic times.
Company Response:
State: MA
Zip: 02139
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-29
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: So I first opened my account with TD bank I believe it was back in XXXX of 2020 now I was new to this account and im used to banks like XXXX where you cant over draft well around this time I was making small purchases to avoid overdrafting also didnt know that purchases dont get posted on sunday. I also had an issure paying my car payment at the time so I used my account and routing number to pay it because my debit has never worked from some reason. well XXXX I was paying it agian techanlly the account and routing number way went through take XXXX dollars out of my account and I made small purchases not know it was already paid. they overdrafted me XXXX dollars back in XXXX and at the time I learned from one of there associates that the an option in the app where you can turn offsome thing meaning when you at XXXX ull have no money so I didnt know about this unjtill later being a new customer with TD So I proceeded to so so I wouldnt have any more issues. now for ssome reason that option is enable again and Im over drafting like crazy again and TD just doesnt want to work with me on giving it back. Understand I havent receive one payment from unemployment since XXXX wich has cause me to live out of my car for four month with my dog and I also have crdit cards to pay that I cant and I might lose. just the other day they finlly towed my car reposessed because I was behind on my payment three months. now I dont have a home and my dog and I are now living in the streets so I need whatever I can get when it comes to money. Td has helped me on ike one or two in XXXX but the ones in XXXX are more rediculous then any of then and I dont understand why they wont help me with the impotant ones plz help
Company Response:
State: FL
Zip: 33062
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A