Date Received: 2020-12-31
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am submitting this complaint because I am being extremely affected by TD Bank. They are being completely unfair and I dont know how to get ahold on them but through this portal. I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. I am sending this letter because I am very concerned. There is a late payment reported on my account on XX/XX/XXXX. I want to explain that I was not actually late. There was a third party company that was supposed to make the payment. I realized that I was reported as late, and I decided to contact this company. I am being very affected due to their error, and I dont know what else to do. When I contacted them, they apologized and sent me a letter that I have attached. Also, by the time of the late payment, I was affected by XXXX. People in home came down with the virus too and due to this I was not checking mailed statements. Account : Balance {$100000.00} Opened XXXX XXXX, XXXX, I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. Thank you.
Company Response:
State: NY
Zip: 10990
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-31
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Hi, I was contacted a few years ago by a collection agency saying I was a co-signer on a defaulted store TD Bank Retail Services store credit opened in XXXX. I had no idea what he was referring to as I have never cosigned on a loan before. When he mentioned the borrower, I knew who that person was. However, I advised the creditor that I never agreed to be a cosigner and do not know the " XXXX XXXX XXXX XXXX '' store where the credit was opened in. TD Bank then placed a default on my credit seriously impacting my credit. It's not possible for TD to have an application on file with my valid signature authorizing me to be a co-signer since I have never been to XXXX XXXX XXXX XXXX '' I filed a complaint with TB bank on XX/XX/XXXX, after I noticed the " charge off '' on my credit reports and requested the remove this from my report. After not hearing from them after several follow-up attempts, I filed a complaint through the credit agencies on XXXX. In XX/XX/XXXX I received a letter from TD that saying that my case was denied citing : Account history indicated prior knowledge of the account and that payments were being made to it back in XXXX. I was first made aware of the loan only after the call from the collector and I never paid a XXXX to it. It's impossible for the TD to have any legit signature of mine authorizing this credit. I have made attempts to reach out to the Fraud Risk Specialist on the denial letter, XXXX XXXX XXXX XXXX : XXXX ) but have been unsuccessful. TD has not provided any information that shows they have me on file authorizing me to be a co-signer.
Company Response:
State: NJ
Zip: 08831
Submitted Via: Web
Date Sent: 2020-12-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-31
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Upon escalating with TD Retail card services, I received a letter stating that they would credit the {$38.00} late fee but would not credit the second late fee of {$27.00} ( assessed because tge first late fee wasnt paid and shouldnt have ever been assessed ). This is an unfair consumer credit practice and should not be accepted. Please see details below that I provided to the company : On Tuesday, XXXX, I contacted TD Retail services and have documented the multitude of employees I spoke with beliw after being on hold for nearly 1.5 hours. I received a letter in the mail earlier that same day stating that my account was past due. I have not made any late payments to your company, as I have consistently made my required monthly payments on time opening a credit account with you earlier this year. I have a repeating payment set up in my XXXX XXXX online banking for {$190.00} each month to ensure my account is properly paid on time by the XXXX of the month. Upon talking with XXXX originally ( see contact attempt details below outlined from my XXXX calls ), he informed me that the XXXX, XXXX payment wasnt received until XX/XX/XXXX and hence, thats why the first late fee was assessed. I have evidence in my XXXX XXXX checking account ( see attached ) that my XXXX payment was delivered to you and posted to my checking account on time on XX/XX/XXXX. A late payment fee should not have been assessed to my account. Because I had no knowledge of this ( no phone calls or correspondence ), you then assessed another late fee in XXXX, XXXX because the late fee from XXXX wasnt paid. XXXX : Attempt # 1 : I contacted Online customer service and spoke with XXXX. Upon reviewing my account and me explaining my issue as outlined above, he explained he had to transfer me to XXXX in Customer Service. Attempt # 2 : I explained my issue again to XXXX and she, very kindly acknowledged my issue and told me that she would be willing to credit back one of the late fees that was assessed to my account. I have checked my account online as of this morning and see no credit whatsoever. Because she couldnt credit back the other late payment, she transferred me to a supervisor. Attempt # 3 : I was on hold for several minutes ( approx. 15-20 ) and when a manager finally answered, he disconnected the call upon beginning his introduction. Attempt # 4 : I called Customer Service XXXX XXXX XXXX again and spoke with XXXX where I had to explain my entire issue for a third time. She said she saw in the notes that one of my late fees was being credited back and explained that she would have to transfer me to a supervisor to further assist with getting the second late payment credited back. Attempt # 5 : I waited on hold for approximately 70 minutes to be connected with a supervisor. After close to 2 hours on the phone in an attempt to get this resolved, and finally had to disconnect to care for my children. This is completely unacceptable. I am thoroughly disappointed with the level of customer service that they have provided. With COVID-19, my family is financially strained. However, I have continued to make my payments on time to this company. These late fees should not have been assessed and I am again requesting that they both be removed from my account. My credit also should not be affected due to this being an error on their part. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Company Response:
State: NC
Zip: 28173
Submitted Via: Web
Date Sent: 2020-12-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, NORDSTROM/TD BANK USA add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-31
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: In late XX/XX/2020 I lost my job and have been out of work since due to Covid-19, I was unbale to make a payment for XX/XX/2020. I have spoken to a few agents since XX/XX/2020 an agent explained that they are able to defer 3 payments to assist with the loss of income I even received a letter explaining such said agreement therefore I was under the impression that my account will go to normal and late payments will be removed. Moving forward to XX/XX/2020 I call to make sure everything was squared away at this point an agent advised that in fact I did not qualify for this program and that I must make a payment for XXXX XXXX if not they will once report to my credit. Knowing that I am without work and I have been experiencing hardship. I immediately made these payments to make sure that this will not keep affecting my credit. My overall credit history is excellent, and this has a negative impact on that. Since these notations do not reflect my overall credit worthiness, I've have sent 3 fax and one mailed letter kindly requesting that they give me a second chance at a positive credit rating by revising the XXXX late notation and adjusting these with the Credit Reporting Agencies. And not once has Td auto contacted me. Please let me know if any additional documentation would assist you in reaching a positive outcome, and I thank you for the time you have spent reviewing this matter.
Company Response:
State: FL
Zip: 33837
Submitted Via: Web
Date Sent: 2020-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-30
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Hello. So I have a car loan via TD AUTO Finance. My car was repossessed on XX/XX/20, I was in shock when it happened because I had spoken to TD auto finance on XX/XX/XXXX and we discussed that they would take a payment for my car on XX/XX/XXXX ( I was previously on a covid relief extension because of my job ). So I figured my car payment was taken care and no need to worry because my next payment isn't due until XX/XX/XXXX. Then on XX/XX/20 I was diagnosed with covid after being extremely sick, even took a 2 week pandemic leave off Wk from XXXX. So while the repossession is taking place, I call TD auto finance to find out whats going on. They immediate say the can not speak to me and transfer me to the redemptions / repossessions dept. I WAITED ON HOLD for that department to answer for 10 HOURS!! I called TD auto customer service 5 times from another phone while I held and they kept saying they could not assist. I insisted that this was a special circumstance given that I called in XXXX and scheduled this payment to be auto deducted. I asked multiple agents to speak to a supervisor and they flat out told me no. 10 HOURS holding is UNACCEPTABLE. I initiated the call at about XXXX and held until XXXX AT XXXX! the agents in customer service advised to continue holding because that dept closed at XXXX. Since I had no answer I called the next morning XXXX and finally spoke to a rep which said I had to pay {$2100.00} to get the car. I advised that this should not be happening because they were supposed to take payment on XX/XX/XXXX and I do not have that much money 2 days before XXXX. They said nothing could be done and I had two weeks to come up with the payment. I advised them that I was currently extremely sick with covid, and have been Off of work so if they contacted me between XX/XX/XXXX and XXXX XXXX, I didnt get any notifications. I advised them that I would send all the hospital documentation showing my COVID diagnosis and They did not care. I offered to give at least {$1000.00} and they still did nothing to help. This is the worst customer service I have ever experienced. To wait on hold for 10 hours With NO ANSWER and then not be given a supervisor Given the EXTREME CIRCUMSTANCE after countless calls is insane. Since then I have been trying to call back and the hold is HOURS and I can not get a hold of anyone and today is XX/XX/20. Attached are : 1. Multiple screenshoots of the call displaying how long I was holding. Their customer serviced number is ( XXXX ) XXXX 2. my hospital records showing I have COVID XXXX ( XX/XX/XXXX and I re-tested XX/XX/XXXX ). I need my car back! I shouldnt have to go thru this or pay repossession fees for something the auto finance company didnt follow thru on! Then to be in HOLD FOR 10 hours with no answer and no guidance and not having a clue if I will ever be heard is ABUSE! Everyday I call its the same thing unless its XXXX! And Im lucky if someones answered even at XXXX. Its only right for TD AUTO finance to deduct all the repossession fees because they didnt follow thru and take the XX/XX/XXXX payment. They are charging about {$500.00} in repo fees and I can not afford it nor should I have to pay it.
Company Response:
State: FL
Zip: 33177
Submitted Via: Web
Date Sent: 2020-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-30
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened an account in late XX/XX/XXXX with two promotions attached to my account. " Receive direct deposits of {$2500.00} or more within 60 days of opening your [ checking ] account to earn a {$300.00} bonus. '' and " Deposit {$20000.00} or more in new money [ in your savings account ] within 20 days and maintain that balance for 90 days. '' Both terms of the account bonus were met. I received the savings bonus in XX/XX/XXXX. However TD Bank is refusing to honor the checking bonus because I had a checking account that was closed in XXXX. More specifically, a customer service representative said that TD Bank looks back 7 years for accounts. The terms and conditions of the bonus address this, however TD Bank is refusing to honor their own terms. " Checking offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria '' The exact wording and full terms can be found in the attachment. Similar language can be found on their current promotions page, which I assume they are also not honoring for other customers : https : XXXX I did not have a prior personal checking account at TD Bank within the preceding 12 months, so I should be eligible for this bonus.
Company Response:
State: NY
Zip: 14221
Submitted Via: Web
Date Sent: 2020-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-30
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 XX/XX/2018, XXXX, a company our office used to pay our office rent, mistakenly made two withdrawals from our checking account on the same day. I knew nothing of their error until TD Bank sent me an overdraft fee for my home mortgage, which was on automatic payment. XXXX reimbursed me for the fee, but it wasn't until recently when I tried to refi my mortgage that I discovered that TD had also reported the late payment to the credit bureaus, which impacts the amount of interest I will have to pay on my new mortgage. My credit scores are XXXX plus, except for the kind of score that XXXX XXXX uses, which had been impacted by the TD report. I finally, after almost a month of searching, was able to get hold of XXXX XXXX, an assistant Vice President in TD 's Chairman 's Service Center. She saw that I had never been late late in my mortgage payment prior to this, and I was never subsequently late. She told me to get a letter from XXXX acknowledging its error, which I did, and forwarded it to her, along with a copy of the {$35.00} check that XXXX had sent as reimbursement in 2018 for their mistake. About two weeks ago, she called to tell that the Operations Dept at TD refused to ask that the black mark they had submitted to the credit bureaus be deleted. Their reason was : they didn't make the mistake : it was XXXX. But it was TD that had submitted the black mark to the credit bureaus without notifying me.
Company Response:
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2020-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went today XX/XX/XXXX around XXXX to XXXX XXXX to withdrawal funds from my td bank checking account through the drive through I was told by one of the banker that as I open the account online I need to come in to see one of their bank associate to resolve some issues with the account that I have with td bank then I went in I spoke with XXXX the banker lady she told me that they made a decision to closed my account permanently and she kept my debit card and refused to give to me back and withdraw funds also mean while I was waiting I was told disrespectfully to wait to move away while I was seated on front of the banker then I was explaining to her how I feel that is unfair the treatment which they made me waste my time going home then they called me to come back to the branch then I went and they still told me to they gon na closed the account permanently for ever with the bank and through that time from XXXX to XXXX XXXX somebody use my debit card and I had to called the police from the branch the police show up to help with the matters but the td bank employee covers some story about the matter which is unfair and after all that drama they gave me my debit card back but still the manager told me that they gon na close my account permanently which I think I was discriminated by my skin color and race I wan na exercise my right as human being I filing this complaint thank you I already called the customer service from the bank but I was discriminated by this bank ... ... also another details they told me back in XXXX I had and account with them there was an old balance around XXXX dollars which I paid XX/XX/XXXX they said that was one of the reasons but I been with td bank for about 7 months or longer. And I have others product with that institution but everything is recorded in the branch how I was treated as prove and XXXX the banker kept my debit car for about 3 to 4 hours and after I called the police I got the debit card back under their owns description like they are trying to cover the story and hide the true I was discriminated because my race and skin color also the question me like the police about my account and the manager and other supervisors told me the same that they gon na close the account permanently for ever and never in my life be a customer for td bank everything is under branch video even when the teller walk from the counter and got my debit card from XXXX XXXX of the ladys that started the matter and disagreement about my account and relationship with td bank my prove is the bank recorded camera and videos
Company Response:
State: FL
Zip: 33168
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Hello. I purchased furniture through XXXX XXXX in XXXX of 2016 with deferred interest. I was receiving my statement notifications and was able to login online as needed to review the statements until approximately 60 days before my interest deferral expired. I stopped receiving my statement notifications and was unable to login to the site without issues. I reset my credentials and contacted customer support about my login issues and the inability to get my statements to ensure the balance was paid off. At that time, I asked on more than one occasion to change to paper statements. I confirmed my information and still did not get statements in the mail or email notifications until after the interest was charged. I contacted TD bank with multiple written disputes that they denied and they refused to assist me. I believe they stopped sending the notifications purposely and neglected to send the paper statements even after two requests to allow the deferred interest to get charged. I would like to discuss this as they now have me owing more than {$1700.00} in deferred interest with no statement notifications and no letter in the mail even after I asked to change to paper statements well before the deferral timeframe passed. I am respectfully requesting the Consumer Financial Protection Bureau to help look into this and assist me as I have seen several other customers state online that they had similar issues with a deferred interest purchased account and TD Bank and failure to resolve statement delivery options and providing paper statements when asked if there was any issue with electronic notifications which is very unfair. Please contact me via email to XXXX, XXXX ( my wife ) or via phone to XXXX to help me get this resolved.
Company Response:
State: FL
Zip: 33990
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A