Date Received: 2021-04-06
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Company XXXX XXXX XXXX law firm had me sign a stipulated agreement and through the process of paying my debt they would only accept check, money order or checking account number, no debit transactions. I tried with checking account number which in the beginning was ok but then I fell back on payments and they said it was in their policy to have to receive two checks before they can reinstate accepting payment through a checking account number electronically. I then asked why I couldn't just have them run it as debit, they said that's how their business is set up. I was told by their debt collectors at XXXX XXXX XXXX that I may call the original lender to pay my balance through the lender since XXXX XXXX XXXX is the third party. I called the lender and they said the account is closed and XXXX XXXX XXXX is handling the account now, but why if XXXX XXXX XXXX is defending td bank USA ( lender ), wouldn't the account still be open and it is my debt, and why need a third party? I've tried paying with money order after the problems I stated above and after four or six money orders sent, the last money order got lost in the mail. I had to cancel the money order and the money order charged a fee to process the lost money order and returned partial of what I sent to XXXX XXXX XXXX, this also made the payment late. XXXX XXXX XXXX also lied about me having more time to pay before the agreement ended which I never got in writing, and then they said I didn't have enough time the next call around. I can't trust XXXX XXXX XXXX and I want to have the lender open the account again so I can easily pay my debt electronically with debit and not a third party.
Company Response:
State: CA
Zip: 935XX
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: On Friday XX/XX/2021, I listed an item for sale via XXXX on XXXX app. On Saturday morning, XX/XX/2021, I was contacted by a person, who I figured out later it is a stolen account. The unknown guy, who was using this account, contacted me regarding my list. When I asked him about the payment method, he asked me to download XXXX XXXX to receive my money, which Ive never used it before. To set up an account on the app, you have to enter a bank information, which I did by using my TDbank account. On XX/XX/2021, Ive received a text message says there is {$300.00} transferred to XXXX XXXX. First, I thought it is a spam. On XX/XX/2021, I received another alert from my XXXX bank, which is the main account Im using that there are XXXX not authorized action was done earlier morning for {$77.00}. I responded back to XXXX that I didnt do these transactions. These transactions happened outside USA. There was a hack happened on XXXX XXXX after I downloaded it. The real person information is : XXXX XXXX XXXX because there was {$300.00} posted under this account. XXXX hacked the XXXX account and used it to communicate with me. XXXX started to hack all my credits accounts, where XXXX is a very secured account and my cellphone. Ive opened an identity theft report @ XXXX XXXX Police Department, case number XXXX. My identity theft from FEDRAL TRADE COMMISION is XXXX
Company Response:
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/21 I sent a debt validation letter to XXXX for a debt that I don't recognize and they sent me a bunch of paper and bills. According to the fair credit reporting act they must send a sign contract with my name on it not statements.
Company Response:
State: NC
Zip: 28379
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Last year XX/XX/XXXX, i bought a watch in XXXX watch in XXXX XXXX mall and there is zero interest for 12 months in TD bank credit card for XXXX ..So i owed XXXX dollars and in start paying XXXX dollars a month and its auto pay, no late payment.Now XX/XX/XXXX the zero interest rate was expired and i have remaining balance of XXXX dollars only, however on the month of XX/XX/XXXX the interest kick in and i understand that but it is not acceptable that they charge my credit card account for XXXX dollars something for interest.In which i owed only XXXX. I dont understand why they charged my credit card is so high, it is more than 100 % intere3 charge..I escalate the issue in constumer dept and they didn't help me. Pls help this matter.I am being consumer helpless regarding this kind of abusing credit cards company
Company Response:
State: NY
Zip: 11373
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-04
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: TD Bank withdrew 100.00 from my XXXX XXXX XXXX debit card ending in XXXX on XX/XX/2021. I have emails to prove that the money was taken from my account and bank statement also reflects that XXXX was taken by TD Bank. I have been treated very poorly by TD Bank, while I have been trying to find out what TD Bank has done with my opening deposit of XXXX. The bank states that they have no idea that the bank withdrew my XXXX because there is no trace of the transaction. Then they told me later on XX/XX/2021 that the XXXX was sent back to my account and I should receive it in 24-48 hours. One representative even told me that the XXXX would be placed on the TD Bank debit card that I received in the mail. It is now XX/XX/2021. I have disputed this what seems to be fraudulent activity by TD Bank with my bank. I was later contacted by the XXXX Branch after I submitted an online form to complain about my deposit that was stolen. She seemed nice, but she she later called to ask me if my deposit was XXXX and not XXXX. How could I get that amount confused. I am very upset. I feel like I am being given the runaround every time that I call the bank and even now that I have been contacted. On XX/XX/2021 she asked me to submit my XXXX XXXX XXXX Statement to show that TD Bank took the 100.00 out of my account on XX/XX/2021. I was asked to drop it off at the door and I will be contacted later to see if my deposit can be found or refunded. I also stated that TD Bank can get that information directly from my bank, since I have disputed this. This is the worst banking experience that I have ever had in my life!! I am not going to drop off my personal information from my bank to this bank, especially after my money has been stolen and I was treated poorly at the branch. I feel as though I should have been asked to come into the branch with my documentation, so my money can be refunded. At this point, I am pretty sure Fraud is going on at TD Bank. I am sick and tired of all of this.
Company Response:
State: NJ
Zip: 08618
Submitted Via: Web
Date Sent: 2021-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I opened a Merchant ( XXXX XXXX Credit Card account, issued by TD Bank NA, in XX/XX/XXXX for {$3200.00}. Agreed minimum monthly installment payment was {$94.00}, to be paid off by XX/XX/XXXX. I was determined to pay it off much sooner, so I started paying larger installment amounts. All my payments were made through my XXXX XXXX XXXX, Money Market Account by Electronic ACH Web Payment : XX/XX/XXXX : ACH Electronic debit TD Bank NA, Web Payment XXXX = {$250.00} XX/XX/XXXX : ACH Electronic debit TD Bank NA XXXX Web Payment XXXX = {$350.00} XX/XX/XXXX : ACH Electronic debit TD Bank NA , Web Payment XXXX = {$400.00} XX/XX/XXXX ACH Electronic Debit TD Bank NA XXXX XXXX XXXX = {$480.00} XX/XX/XXXX - XX/XX/XXXX : Total amount paid to TD NA Bank XXXX {$1400.00}. These amounts were not reported on the statements. On XX/XX/XXXX Statement, they finally recorded my 5th installment of {$150.00}. What did they do with my four earlier instalments, totaling {$1400.00}? I just went on the web site of their subsidiary company ( XXXX ), who services the credit payments. I tried to pull my statements. To My greatest shock, none of my four ( 4 ) payments were reported on all 4 statements. Each statement was BLANK, with the notation " NO TRANSACTIONS FOR THE SELETED MONTH '' TD Bank NA, is running a very fraudulent system. If a little mom-and-pop shop tried such scheme, they would be rotting in jail by now. I hope to XXXX that, CFPB will take a serious look at this. I have copies of the 4 blank monthly statements, should you need them, to support my case. Thank you very : XXXX XXXX
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I sent a dispute to credit bureau about a collection ( TARGET/XXXX ) and I have not received a response back or any results.
Company Response:
State: FL
Zip: 33604
Submitted Via: Web
Date Sent: 2021-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-03
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: TD Bank informed me by email on XX/XX/2021 that my loan was cleared to close on XX/XX/2021. I received a Closing Disclosure ( CD ) on XX/XX/2021, within the 3-days required before closing ; however, the closing costs totaled {$6900.00} and cash to close was {$6100.00}, which was not a good estimate, given that I was closing a modification ( XXXX ) with reduced mortgage tax and title insurance costs. I requested a copy of the final updated CD with the correct fees to determine how much funds I needed to have at closing. The title company confirmed that they provided the title fees to XXXX in early XXXX and an updated copy in early XXXX so the CD could have been prepared with more accurate fees. I also needed the time and location of the closing to make plans. There was no response and no confirmation whether or not the closing was still happening on XX/XX/2021. On XX/XX/2021, I contacted the Mortgage Originator and asked for a new closing date of XX/XX/2021, and again, asked for the final CD but did not receive a copy. My closing was scheduled at XXXX on XX/XX/2021 ; the bank attorney asked for a later time at XXXX as he was still waiting for the CD to be finalized. I received the CD from XXXX XXXX at XXXX, less than 2 hours before my closing, requiring {$2000.00} cash to close. I noticed an error and immediately emailed XXXX at XXXX to discuss the CD before closing but no response. I asked the bank attorney to contact the closing team and he said he would try to get the CD changed but it did not happen. We got to the closing and the Notary and Title Closer was not informed that a request was made for a revised CD, and she only had one set of documents, which meant no copies for us to review during the 3-day rescission period. XXXX did not provide the closing documents to us electronically. I had to ask to make copies at the closing location. Noted CD Errors The CD provided on XX/XX/2021, disclosed fees for Section B ( Services Borrower Did Not Shop For ) totaling {$77.00} ( Credit Report fee {$45.00} - Flood Certification {$5.00} - Tax Service XXXX ) and Section C ( Services Borrower Did Shop For ) included title-related fees that I shopped for as I opted to choose my own title company. The fees were inflated but I suspected they would be reduced to reflect the actual title company 's fees at closing. The CD provided the day of closing, XX/XX/2021 included two additional fees required by the bank 's attorney totaling {$1600.00} ( {$1200.00} Settlement and {$350.00} to prepare the XXXX doc ) that was not disclosed in the Loan Estimate provided at application on XX/XX/2021, or the CD provided on XX/XX/2021. Additionally, these were not fees I could shop for but TD Bank incorrectly disclosed these fees in Section C, which was inaccurate, and not permitted. I asked the attorney to ensure that these bank required fees are accurately disclosed in section B and also have the closing department explain why these fees were not previously disclosed. No response. The final CD included a {$350.00} " Doc Prep Fee '' payable to the title company but the title company does not charge that fee as disclosed in the final CD. This fee is not included on the Title company 's title bill. I asked the banks attorney about the fee and he shared that its a buffer charge to cover any unknown fees that may emerge that were not disclosed. Again, this last minute added charge, which is incorrectly disclosed as a title company doc prep fee that I shopped for, does not meet the spirit of transparency required by TRID. When I asked about this fee, the attorney noted that if theres no additional charge then the amount is refunded the day of funding. The problem is, that important detail was not shared until I asked about it as it was masked as a required fee. This buffer charge should be clearly and separately listed as an attorney escrow amount for miscellaneous funds and an upfront disclosure that it is refundable if not required so that Im aware. It is my hope that these masked buffer fees are actually refunded to customers when no such miscellaneous charge exist. TD Bank should engage attorneys who understand the Truth in Lending requirements and not just trying to collect fees, by any means necessary. The most troubling discovery of all is that the banks attorney shared that it has been an issue for some time as he was aware and informed XXXX in the past that they should disclose the attorney fees upfront but the issue remained unresolved. He then said thats the fee he charges and must be paid regardless of where it is listed on the CD. This statement confirms a major problem because it does matter where the banks attorneys fees are disclosed on the CD as it impacts the 10 % threshold limitations for Section B. You can not just slip fees in on the day of closing and mask them as services I shopped for that I did not. This is extremely disappointing and frustrating to hear and concerns me for other consumers who are not familiar with the requirements. Regulation Z Section 1026.37 ( f ) ( 2 ) requires that for services you can not shop for, the bank should disclose that it is a component of title insurance or is for conducting the closing, and the introductory description Title - shall appear at the beginning of the label for that item. The CD did not meet this regulatory disclosure requirement for Section B of the CD. Regulation Z Section 1026.19 ( e ) ( 3 ) ( ii ) provides that certain estimated charges are in good faith if the sum of all such charges paid by or imposed on the consumer does not exceed the sum of all such charges disclosed pursuant to 1026.19 ( e ) by more than 10 percent. Section 1026.19 ( e ) ( 3 ) ( ii ) permits this limited increase for only the following items : i. Fees paid to an unaffiliated third party if the creditor permitted the consumer to shop for the third-party service, consistent with 1026.19 ( e ) ( 1 ) ( vi ) ( A ). I was not permitted to shop for XXXX XXXX bank attorney service and these fees exceed the 10 % threshold, permitted for Section B fees. There was no changed circumstance that permitted the bank to increase Section B fees and as such XXXX is required to reduce the fees to the permitted limits. The bank 's efforts to include section B fees the day of closing in Section C to circumvent the tolerance limitations outlined in regulation Z is a violation of law and a deceptive practice. It is my hope that this issue was isolated and not systemic due to elevated risk for consumer harm. The TRID requirements were implemented by the CFPB to enhance transparency and to prevent these practices. I am disturbed that XXXX, a CFPB and OCC regulated institution, would not provide adequate training to staff to ensure that they comply with these basic requirements for their role. We signed the loan documents on XX/XX/2021 but did not sign the CD because it did not meet the regulatory requirements. We asked to have a revised CD provided during the rescission period that accurately reflects the Section B and C fees that was disclosed in the Loan Estimate and the XX/XX/2021 CD within the permitted 10 tolerance limit as required by law for Section B. There was no response or confirmation that this will happen.
Company Response:
State: NY
Zip: 11746
Submitted Via: Web
Date Sent: 2021-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: This bank sent me a mailer trying to get me to open a checking and savings accounts with them and in return I am to receive a total {$500.00} bonus. I read the terms and conditions carefully to confirm that I qualify and emailed them at the beginning to confirm that I qualify. The reason I did this is the promotion required I leave a large amount of money in the account for many months earning no interest. The bank wasted my time for 5 months telling me I need to wait for the bonus then finally told me I don't qualify because I had accounts with them in the past. When I explained to them that I was a customer greater than 12 months earlier and the terms and conditions clearly state that I qualify as long as it's been greater than two months, the service agents refused to review my documentation or fix their error or credit the missing bonus. attached is a copy of the mailer they sent me.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2021-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: TD BANK REFUSE TO OFFER THE PROMOTIONAL OFFER. I opened a checking account in TD Bank InXX/XX/XXXX. And they have a welcome bonus at that time. If the customer make the {$2500.00} direct deposit, the customer will receive {$300.00} bonus from them. After I had done that, I called at least three their representatives to ask my eligibility And when I can receive the bonus. Their representatives told me I was qualified and the only thing I need to do is wait. However, I had waited for 5 months And haven't received my bonus yet. Therefore, I called to their representative again, but this time they said I was not eligible for this offer. How could this be! When I opened this account, the banker said I was qualified and I also called at least three representatives in XX/XX/XXXX. Both of them said I was eligible. They are totally cheating the customer.
Company Response:
State: PA
Zip: 19121
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A