Date Received: 2020-12-23
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 XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report. 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: MN
Zip: 55448
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Emailed the loan representative, her manager, and manager 's manager about the unauthorized credit pull on XX/XX/22. Emailed them twice, and called once and left a message. No response from anyone.
Company Response:
State: NY
Zip: 11357
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I launched my initial dispute with my Credit Card Company TD CARD SERVICES and VISA on XX/XX/XXXX for a transaction that executed on XX/XX/XXXX after fighting with the merchant for a number of months. I have since been in contact with my credit card dispute team on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX without resolution. I provided them via fax documentation, receipts and correspondence from the merchant agreeing that the charges should be refunded and resolved. My dispute was closed due to " time frames '' and lack of " record/documents '' that were requested to certify my claim. I have made well over 15+ attempts to work with my credit card company for assistance to resolve the issues with my merchant on my behalf and have received no resolution. I have spent as much time haggling with TD CARD SERVICES/VISA as I have with the merchant in question. This is unacceptable.
Company Response:
State: NJ
Zip: 07731
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: TD bank froze my XXXX loan in my account
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: To whom it may concern. I had two money orders that were purchased on 4/21/ 2016. At the date of purchase, the teller at TD bank guaranteed me that they did not expire. As long as I didn't lose them, I could deposit them whenever I needed. I put them away for emergency. On XX/XX/XXXX I wrote one of the money orders out to my friend to deposit at her bank because i owed her money Her bank said they could not deposit it because they needed the bank it was purchased at to reissue it. On XX/XX/XXXX I took the two money orders back to TD bank to get them reissued. Instead of reissuing them, the teller deposited them and said to see what happened since after 3 years they get stale dated. On XX/XX/XXXX the money was deposited into my account and showed on my available balance. I also deposited XXXX $ at the ATM into my savings, while i was waiting for the money orders to go tnrough. After the money was authorized and available into my account, I then transferred XXXX $ of the money order into my savings because the minimum they require is XXXX XXXX On XX/XX/XXXX after the money was authorized, they just took the money out and charged me two XXXX $ transfer fees. Prior to this, no one from TD bank told me that after 3 years money orders get stale dated and goes to the state. Also, nowhere on the money order does it state any date of expiration. I dont understand why they would deposit the money orders, authorize the money into my account, then 3 days later return the money and charge me a transfer fee. This has been a very stressful ordeal and it seems like TD isn't helping me or being clear about where my money is and what two do. It even says on their website that money orders do not expire. Please help me.
Company Response:
State: NJ
Zip: 08205
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I joined XXXX XXXX on XX/XX/20. On XX/XX/20 I noticed a hard inquiry on my XXXX report from XXXX XXXX, and then on XX/XX/20 I received another alert from XXXX XXXX that there was a hard inquiry on my XXXX report from Td Bank XXXXtarget C. I disputed the XXXX inquiry, however XXXX is requesting I send documentation from FTCXXXX in order to dispute. I am concerned that my information was somehow breached by XXXX XXXX as I have never experienced these issues prior to signing up. I am not certain if this complain my is common. I request that the hard inquires be removed from my credit report.
Company Response:
State: NY
Zip: 10037
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, TD RETAIL CARD SERVICE add a hard inquiry on my credit report. 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: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-22
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: This letter is in response to an explanation request for the above subject ID. XX/XX/XXXX I submitted prepayment in the amount of XXXX to XXXX for a reservation that would begin on XX/XX/XXXX and end on XX/XX/XXXX. I picked the vehicle up on XX/XX/XXXX and ended my rental session on XX/XX/XXXX as scheduled. During my trip, I experienced 3 major trip interruptions due to the rental cars not having proper maintenance and had to switch vehicles 3 times within the 10-day timeframe. XXXX representatives told me each time that I would not be charged for having to exchange the cars since XXXX was at fault each time. On XX/XX/XXXX, after returning my rental car, I checked my account. I noticed that I was charged an additional fee immediately after returning the vehicle. This fee was applied to a XXXX-dollar auth amount that XXXX placed on my debit card on XX/XX/XXXX when I picked the first car up. I reached out to the XXXX customer service center on XX/XX/XXXX to inquire about the additional charges. I was advised that an extra charge was accidentally applied when I exchanged the third vehicle, I demanded it be removed and was told that only a manager could remove it. I was put on hold for 30 minutes and eventually was told that a manager was not available, and one would call me back within 24-48 business hours. I called a second time on XX/XX/XXXX and immediately requested a manager due to dissatisfaction with the result from the first call. I was again put on hold until the exact time the manager call queue closed and was told that all managers are now off and not available. On XX/XX/XXXX, I called XXXX customer service again and requested to speak with a billing manager and was connected to a manager by the name of XXXX. I talked to XXXX and explained the issues I experienced during my XXXX rental and the experience I had with XXXX customer service agents on XX/XX/XXXX. I explained my disgust with the lack of proper vehicle maintenance and the distaste for XXXX agents ' lack of professionalism. I was met with an immediate apology by XXXX and was advised the charge to the authorization fee was accidentally applied and would be refunded. The Auth charges were all removed later that week when I called into TD Bank and asked for an Auth removal. I also requested that I be given a refund of 2 rental days, which equated to XXXX due to the bad experience I had with the vehicles and having to lose time going back and forth to XXXX locations. XXXX agreed that I was due an additional refund of XXXX out of the XXXX that I had prepaid on XX/XX/XXXX. XXXX advised me that it would be 3-5 business days from XX/XX/XXXX to see the XXXX refunded back into my account. I received in the mail on XX/XX/XXXX a bill from XXXX in the amount of XXXX and was immediately outraged because it appeared that a billing error occurred on XXXX end, and I was being asked to pay what should have been my refund. I called and spoke to an XXXX representative and was advised that there was no indication that I should have received a bill in the XXXX system. The XXXX representative told me that my refund of XXXX was processed and sent back to my bank on XX/XX/XXXX, I asked the representative to provide me with the last 4 digits of the card that the refund was posted to. The agent provided me with the last 4 digits to a card that I have never been associated with. I advised the agent that the last 4 numbers provided from him were not a card I own nor am associated with in any way, the agent advised that he could not assist anymore and would have to get a manager. I waited for 45 minutes to speak with another XXXX manager and was informed that someone would call me back in 24-48 hours, advised the agent I would be making a claim with my bank. I spoke to XXXX Customer service again on XX/XX/XXXX and XXXX acknowledged their error. I was told to call back on Monday XX/XX/XXXX to have a supervisor fix the error. I called on XX/XX/XXXX and XX/XX/XXXX and was told twice that supervisors were not able to fix the issue because they could not manually input my card into their SUBJ : XXXX SUBJ : XXXX system. I was advised that the manager who originally promised the credit processed it wrong. XXXX has advised that there is nothing they can do on their end at this point because their system doesnt allow them to refund back to a card that the system has kicked out. Please see attached email from XXXX. I also tried working with XXXX to get my XXXX as recent at XX/XX/XXXX but XXXX advised that someone from TD told their billing department that i opened a dispute for the transaction and was awarded the funds. Now TD is unwilling to assist me with getting my refund at all. I was also told by a TD Bank associate named XXXX XXXX that once i provided documentation from XXXX admitting they made a mistake that the dispute would be handled accurately. The claim was once again denied and now my account is in TDs recovery department. This needs to be fixed asap.
Company Response:
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-22
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: To whom it may concern : I initiated a refinance with TD Bank on XXXX XXXX, 2020, with a 30-day closing. It has been 90 days, and my closing has been postponed 8 times, loan team is unresponsive to my attempts to reach them, and fails to share vital information. All requested documentation has been provided on my end within 2-3 hours of request, and failure to process the documentation in a timely manner rests solely with TD. I am supposed to be closing today, and no one has been in touch to provide information on said closing, nor to inform me of a further delay in the process. Thank you!
Company Response:
State: NJ
Zip: 07410
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-21
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I've had a car loan with TD Auto Finance and have paid on-time every month for the past 4 years. I've sold the car and paid off the outstanding balance with good funds done electronically. I've now request 3 times for them to expedite the electronic release of the loan with the Massachusetts XXXX so that they will mail me a title and I can complete the sale of the car. I keep getting the run around from TD Auto Finance and have tried to get my request escalated to a manager but they refuse to help me with this issue. I can't believe they don't have anyone TD Auto Finance that can help. I've never had an issue with this loan and this is how they treat customer at the end of the contract. It's just horrible. Thank you fo your help. XXXX
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A