Date Received: 2020-12-28
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I have/had an auto loan with TD Auto Finance. The payments were automatically withdrawn from my account for 59 of the 60 payments. In my last payment should have been in XXXX and I assumed that like the last 59 payments they would take it and send me the title. After about two months I wondered why I haven't seen the title. I called TD Auto Finance and was told that I had to make the final payment manually and this written in my contract five years ago. But the man was very understanding because as he put it this happens to everyone. I've had auto loans at other banks and have never had to do this. I now have to dispute the late mark on credit report. If this happens to everyone it is obviously a systematic and deceptive procedure they have put in place to gather extra interest and late fees.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have made deposits in TD Bank ATM machines. I have not been able to see these deposits on my statements. I have gone to the bank 5 times over the last two banking days. Each time I have been told that the bank can not go into the system and find my deposits and Identify them. I have been told to come back and or take a seat each time I have come to the bank
Company Response:
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I logged into my TD Bank Credit Card account on XXXX to ensure auto pay was delivered electronically on a regular basis. Upon opening, I saw attempts from XXXX & XXXX to take money from this locked card. Immediately, I called TD Fraud, I rechecked my alerts to find the phone number on file was changed to XXXX. THIS IS NOT my phone number, my correct number is XXXX as it has been for over 20 years. I was unable to send text alerts to my phone number as this number was there, refusing to change to my number. Immediately I changed the PIN number online, as there was little else I could do. I called an agent for TD and asked the number to be MY OWN, not the unknown number. She made the change, she texted a 5 digit auth. code. to XXXX. I received and we seemingly made the change. In the second phone call on XXXX I logged onto TD again to turn on alerts and found the number changed back to XXXX leaving me unable to effectively use the precautionary measures to stop the fraudulent charges. XXXX XXXX # XXXX could not answer how my phone number was changed without my notification nor consent as that is the security measure he explained is in place, how can I see a different number if I never verified a number change? XXXX had no answers for me, I requested to escalate to IT, request unmet. I have been communicative with TD as this is not the first time I have been stolen from. Last time I was left with a bill that I did not charge, this complaint was filed with the consumer fraud protection bureau. I called again. XX/XX/20 XXXX am est my phone number still isnt my own- how can i be alerted and WHY was my number not given the protocol of verification of change?! I never was prompted to by TD device protocol in ph # change. My past complaint with TD follows the same pattern where I am responsible to pay fraudulent debt and cash advances. Past complaint # was XXXX submitted on XX/XX/XXXX.
Company Response:
State: NY
Zip: 11783
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I started a refinance on XX/XX/XXXX. I have subsequently had to have the rate extended 6 times because TDBank failed to complete steps on their part for the subordination agreement. They first filled it incorrectly according to XXXX, then sat on it for a few weeks and then subsequently didn't know who at TDBank needed to fix it. Two of their internal employees went back and forth for 3 days starting XX/XX/XXXX with me on the email thread trying to figure out who from TD bank needed to what steps and then they both went unresponsive. My last email from them was on XX/XX/XXXX. I then tried for several days to get a hold of someone at TD Bank and escalated to the individual managers and heard nothing from any of them. I finally had a manager ( XXXX ) reach out to me XX/XX/XXXX and they told me they would expedite it. They reached out to me again on XX/XX/XXXX and told me they should be able to get it close by following week. They then stopped updating me even after I sent multiple emails. The then had someone else finally reached out to me on XX/XX/XXXX saying this might take a couple of months. I have since been asking for my refund and can't get anyone to email or call me. Here are the list of people I have attempted to work with at TD Bank : Loan Officer : " XXXX, XXXX XXXX NMLS XXXX '' XXXX Manager : XXXX Manager : " XXXX, XXXX XXXX NMLS XXXX '' XXXX Manager : XXXX Manager : XXXX I believe my only costs so far is {$22.00}. I have spoken to TD Bank twice on phone in past 4 weeks and they said only the people listed above could approve the refund and they would pass along the message. I have also asked them several times and gotten no responses. I do continue to get rate lock extensions documents to sign every few days and requests for update information such as paystubs because the ones I have already provided several times are outdated. At this point I am working with another bank on my refinance. TDBank service motto of " Legendary Service '' is terrible and I think each of the folks above, specifically XXXX, XXXX and XXXX should be terminated because they are incompetent. I will not do business or recommend TDBank to anyone because the company does not have a process by which customers can raise concerns. They unfortunately rely on their managers to do the right thing but that would assume they aren't hiring incompetence.
Company Response:
State: MA
Zip: 02038
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX my automatic payment to Target Red Card was returned by my financial institution. I immediately called Target to ask if they would represent the item for payment, which they stated that would not, so I processed an additional payment ( in full ) the same week. This payment took my balance to {$0.00}. I requested a one time fee waiver of the returned payment fee {$29.00} and Interest Charge of {$8.00} both assessed on XX/XX/2020. This request has been declined twice. I have maintained a Credit Card in good standing with Target for 5 years with no late fee 's or returned payments, with the exception of this one item. I've never heard of a financial institution not reversing any fee 's at all. In addition, I'm not sure how I can be assessed interest as my payment was not past the due date.
Company Response:
State: MD
Zip: 21237
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: My FCRA rights have already been violated at this point. I have attempted to rectify this issue but to this point haven't received any updates whatsoever on this matter. There was no notice that a proper investigation has taken place or in process. Upon viewing my credit reports I noticed TARGET/TD had a discrepancy in the " account number '', " date of last activity '', date of last payment '', date opened '' and " payment history '' section of the listings. XXXX and XXXX are reporting a " date opened ' of " XX/XX/XXXX '', however XXXX is reporting a date opened of " XX/XX/XXXX ''. XXXX and XXXX are reporting a " date of last payment '' of " XX/XX/XXXX '', however XXXX is reporting a " date of last payment '' of " XX/XX/XXXX ''. XXXX is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX is reporting " date of last activity '' at " XX/XX/XXXX ''. Also this account is being reported as a collection/charge-off which means there should be no payment history reflecting on the credit report. This is a violation! This account is also reflecting a " past due balance '' of {$1500.00} which is another violation if your reporting this account as a collection/charge-off. You cant report a balance owed and a " past due '' balance as well. If this is the same account, reported by the same creditor how are these numbers and dates different? Because of this apparent neglect in ensuring everything on my report is accurate consistent and up to date please " DELETE '' this item immediately.
Company Response:
State: TX
Zip: 76119
Submitted Via: Web
Date Sent: 2020-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Credit card is reporting that in XXXX 2016 I was late 60 days. I was the victim of fraud. My card was lost and the card was used without my knowledge or permission. This was reported to TD Target at that time. Prior to that my balance on the card was {$0.00}. I was told that I was not responsible for the charges, the fraud investigation was resolved in my favor. While under investigation for those two months I did not pay on the disputed charges. Now TD Target reports me as late when it was determined that those charges were not made by myself.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2020-12-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-24
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I opened a checking account with TDbank back in XX/XX/2019 and at the time TD was not charging international transaction fees and that's one reason I opened my account with them. XX/XX/XXXXthey charged me two fees XXXX for international transactions and another XXXX for what they consider international transaction. I called them to dispute it and they said they started charging in XX/XX/XXXX. I am prejudiced by lack of prior notice and was not afforded a chance to close my account before they start charging.
Company Response:
State: NY
Zip: 11374
Submitted Via: Web
Date Sent: 2020-12-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-24
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: This is our second attempt via CFPB, as TD 's first response was ( yet again ) generic. TD responses are either generic, or a toss specific terms that, while related to our specific situation, are inaccurate or skewed in favor of supporting the lending department. Specific points ( such as the one right below ) have been consistently ignored by TD.. ONE CLEAR EXAMPLE ~ TD Bank failed to show for a closing. EVERYONE was present tat the table ... .buyers, realtors, builders ... .nothing from TD Bank. No one sending the final documents ... not a response from TD Bank for an hour after scheduled closing time. Everyone started leaving - no even an apology for TD Bank. We were already paying Per Diem Fees and TD failed to show, forcing closing several day out into the following week. TD would not accept any responsibility nor cover even the per diem fees for the now show. This is the tip of the iceberg, an easy example for someone to see the customer perspective ( which has been missing from this entire process. ) In aggregate we incurred excess of {$8000.00} of additional fees at the closing table plus higher interest for the life of the loans. We had two loans w/TD Bank that closed XX/XX/2019. Loans that were furnished were not the same as the loans that were promised. TD Bank kept changing the goal posts clear to the end of the process eventually landing at in what TD labels as the need to change product types as we did not qualify for said programs ( mind you the bank initiated and proceeded with our loans as qualified. ) Goal posts kept changing and qualifications were not fully disclosed as we continued to learn new twists and turns as we approached the closing date. We were promised NO POINTS, NO LOCK FEES. Each CD we were asked to sign showed said fees and we were told to just sign them as they are never accurate in the beginning ( and by not signing we would be delaying the process, which was already at risk ) - so we signed in protest and specifically called out the points and lock fees that we were told would be removed. They were never removed ... manipulated and lied to throughout the process. TD lending manager stated they were entitled to more 'of the business ' with these loans. In addition to the product changes, TD Bank missed closing dates forcing us into default and per diem fees w/builder. TD states closing dates were missed due to client 's efforts to qualify for said program ( which we state are a result of learning about new qualification requirements throughout. ) We assert that TD did not allocate appropriate time to work on the loans evidenced by weeks and weeks of no progress with no attention until we were approximately 6 weeks from original closing dates ... .evidenced by the agent stating delays because no one wanted to touch the loans, evidenced by all the delays blamed on vacation and unknown reasons .... evidenced by TD Bank failing to show for closings ( ie. on one closing date another department did not know how to handle a 1031 exchange so it never got done ... forcing a TD Bank no show ... ) evidenced by lost paperwork and documentation throughout. Inexcusable - and all of these problems, miscommunication and misinformation, outright deceit hit us for thousands at the closing table plus paying extra each and every month in mortgage payments. We seek a summary showing TD 's understanding of these issues from the customer perspective. We are seeking someone to address the each point we have presented one-by-one in the past, not brush over w/a generic statement from a CSR to check off a box that TD Bank responded to notice. Fixing these problems would include reimbursing the extra fees paid at closing and adjustment to the loans to match what was offered, what was accepted.
Company Response:
State: PA
Zip: 19087
Submitted Via: Web
Date Sent: 2020-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is In regards to XXXX XXXX XXXX concerning Nordstrom Card Services Account # XXXX. Attached you will find a notarized power of attorney form authorizing us to investigate this account and communicate in regards to this matter. At the consumers request all future communications should be with this office. On XX/XX/2020 A letter was sent to Nordstrom in regards to a late reporting in XX/XX/2020 where a financial accommodation was made. I received a letter from Nordstrom dated XX/XX/2020 that accurate data is reporting to the three major credit bureaus. Based on the letter you are violation g the national pandemic law ( CARES ACT )?
Company Response:
State: NJ
Zip: 08755
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A