Date Received: 2020-12-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: TD Bank has failed to process my mortgage payments timely and claims I owe them {$52.00} due to their error. They threated to report me to credit bureaus because of their mistakes and failure to process my payments. They are horrible!
Company Response:
State: MA
Zip: 02155
Submitted Via: Web
Date Sent: 2020-12-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a notification from XX/XX/XXXX on XXXX XXXX that I had a new hard inquiry in my account. Someone used my information to open an account with target without my authorization. Because of this my credit score went down.
Company Response:
State: NY
Zip: 11224
Submitted Via: Web
Date Sent: 2020-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-12
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: On XX/XX/XXXX, I paid TD AutoFinance {$7500.00} to pay off my auto loan. On XX/XX/XXXX I made an errant {$5000.00} payment on the same loan. XXXX XXXX XXXX stepped in to recover the {$5000.00} and were successful in doing so. TD AutoFinance sent me the title and a refund check of {$4.00} because I overpaid. Since that time they properly reversed the {$5000.00} payment on my account but also errantly reversed the {$7500.00} payment and only applied {$2500.00}. I have been on the phone with them a dozen times and have received multiple phone calls and lately have received letters stating they will report me to credit bureaus and have the right to repossess my vehicle. I have also sent 2 letters to their complaints department with no response. They refuse to get on the phone with XXXX XXXX XXXX to resolve this issue. They will not send me record of the all of the phone calls I've made or the phone calls they've made to me. This loan was paid off in full yet they will not clear the account. My most recent attempts once again to address this issue began again on XX/XX/XXXX with a supervisor XXXX XXXX who said the issue was obvious and it would be resolved. It was not. I then spoke again on XXXX requesting supervisor call back with no response. I called on XXXX requesting a supervisor call back with no response. On XX/XX/XXXX I spoke to rep XXXX who said the cashiering department would call me back with no response. I called on XX/XX/XXXX and spoke to a rep and then tried to conference XXXX XXXX XXXX and she hung up. I called back and spoke to a new rep who said a supervisor XXXX XXXX would call be back within 24-48 hours. This has gone on long enough with countless hours of wasted time. I paid off this loan and at this point I consider TD AutoFinance behavior to be harassment. I am providing my bank statements and my TD AutoFinance running balance which shows how they errantly misapplied my payment. It shows the {$5000.00} being returned on the errant {$5000.00} payment and also shows the {$750000.00} not being fully applied. XXXX XXXX XXXX is more than happy to assist through their claims department ( XXXX ) as they can show my funds were sent and no longer in my account. Please assist.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2020-12-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Upon checking my credit I noticed that this collection had been added to my report! I have never heard of this debt collector. I have not been contacted or notified of any debt that has been listed with this company. They sent me no correspondence advising that they own the debt, who the creditor was nor advised of my option to dispute the debt. I called the company 8 times within the last 60 days. ( Calls were recorded )! To find out more information and to dispute the account. I was transferred amongst departments, no information was given. They attempted to fraudulently ask other questions not pertaining to the debt like if I'd moved in the last 12 months, what my previous phone numbers were, if I'd used any other name variations besides my actual name, if I've married or divorced any aliases I might have used and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted and harassed. The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. If the agency doesn't follow this process then they have no rights or grounds to collect or report the debt to any credit bureaus and must immediately remove the debt from the consumers credit report. The company didn't contact me within 30 days of assuming the debt and has therefore violated my rights so this needs to be removed from all 3 credit bureaus! I do NOT give the company permission to contact me via telephone, an employer, email or any other means except by US Mail. I have never done business with a company called TD BANK USA/TARGETCREDIT XXXX XXXX XXXX nor have I ever signed a contract with them so this debt is fraudulent and frivolous. It needs to be deleted effectively immediately with all major credit bureaus. No collection agency can report past due balances, dates of past due balances or payment history. This company has violated several FCRA regulations. Delete immediately or I will contact my attorney to proceed with legal action. This account does not belong to me! I have no idea who this company is. Delete any and all of my contact information effective immediately. DO NOT ATTEMPT TO EMAIL ME! DO NOT ATTEMPT TO CALL ME! DO NOT ATTEMPT TO CALL RELATIVES! DO NOT ATTEMPT TO REACH AN EMPLOYER! SEND ALL CORRESPONDENCE AND PROOF OF DELETION TO MY MAILING ADDRESS ONLY! DO NOT ATTEMPT TO CONTACT ME OR ANY OF MY FAMILY MEMBERS VIA TELEPHONE, EMAIL OR EMPLOYER!
Company Response:
State: IL
Zip: 60707
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX took money from my business TD bank account, I informed TDBank that XXXX. Com was taking money from my account but was not paying on my trip from XXXX XXXX to XXXX XXXX XXXX weekend 2020 Td bank refunded the money but late recouped it back and said XXXX had the right to take my money and not refunded me, I informed TD bank XXXX. XXXX is a fraud Company and is under investigation by the Attorney general of Florida and Massachusetts
Company Response:
State: NY
Zip: 10940
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Went in to the TD Bank branch on XX/XX/XXXX to open the account in person. Deposited {$710.00} cash. Left with a debit card and was able to use the debit card that evening. On XX/XX/XXXX, I tried using the debit card at XXXX right at XXXX and it says its not authorized. Tried logging in to my account online to get the customer service number and I no longer have access to my online account. Call their customer service and they tell me my account is locked pending in-person verification and I have to go to a branch. I immediately go to a branch with two forms of ID. The gentleman has to fill out a form and tells me that they cant give me any money until the fraud department re-opens my account which would be up to an hour. On XX/XX/XXXX, I call their 1800 number to check the status at XXXXEST. They tell me that it should take 15mins to 2 hours. I call back two hours later and they keep telling me that now they have no idea when my account will be open again. I am flying out to Colorado at XXXXEST and I have to money to do so. Ive now called back ( Im currently on hold ) and the woman is telling me there are zero notes in my account and she doesnt know whats going on. So now Im left with no access to my account and a group of clueless people who are basically stealing my money at this point.
Company Response:
State: FL
Zip: 33714
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-11
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I had an XXXX XXXX credit card issued by TD bank for several years as my primary credit card. When the card was an XXXX XXXX credit card, I received their mail including new credit cards and statements. So for several years my address worked fine. Then the card switched then from being XXXX to a TD cash credit card and an issue with my address occurred without me changing any information. When the switch occurred, TD bank made an error with my address, which made it so I no longer received any mail from them including the new credit card and statements. Therefore, I received no paper statements of what I owed them through the mail. Also with no credit card number, it is impossible to setup an online account or go through the forgot my username/password link. The only communication I had was an e-mail saying I owed money to a credit card I never saw. In the e-mail, it said If you have any questions, please call us at the number on the back of your credit card., which is impossible for me since I did not receive a credit card because of TD bank. I had tried to login to the site using my previous credentials for the XXXX banks credit card site. After that did not work, I assumed that I had just fallen for a phishing scam, because I had no evidence that I actually was issued a credit card from TD bank. With no way for me to view either paper or electronic statements, because TD bank messed up my address, they started to charge me late fees for reoccurring payments on a card that I had not received, activated, or used. I noticed in the spring of 2020 that my credit score had been lowered and after checking the report that I had late payments on a card I had not seen. When I called TD bank on XX/XX/XXXX of 2020, the person on my phone told me that their system showed that my mail was returned, so I had not received the credit card or statements through no fault of my own. If the address I had given was incorrect then I would not have received mail for several years while this card was an Ally bank credit card, which was not the case. I have filed a dispute with TD bank stating the above, and they responded by erasing my balance, but said the record of late payments would stay. I also tried to dispute the late payments through the credit agencies, but they only removed the last late payment, since TD bank had cleared my balance for the last month.
Company Response:
State: IA
Zip: 50014
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-11
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: A fraudulent checking account was opened online in Arizona on my name next to my business account in TD bank on XX/XX/XXXX. The bank tried to verify this account with a fake phone number provided. When they couldn't verify it, they froze my XXXX account and when my XXXX complained about bouncing checks I found out that ther e was a problem in mid XXXX. Initially there was {$480.00} deposited on XX/XX/XXXX and then a check was written for {$430.00} on XX/XX/XXXX. then {$10.00} was paid on XX/XX/XXXX and the ending balance on XX/XX/XXXX was {$34.00}. The bank completed the investigation and closed the fraudulent and my XXXX accounts. Gave me a case # and recommended to contact police for a report and websites dealing with identity theft.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My Nordstrom account were I make purchases still has the previous Nordstrom credit card attached to it. The Nordstrom credit card was fraudulently used and stolen back in 2017. I never used the credit card. I sent police reports to Nordstrom and TD bank to resolve the matter.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: There seems to be a major problem with TD Banks back-end accounting system verses actual online transaction history that is not reflecting in " REAL TIME! '' Several transactions that I have made within just over 1 week has created unjustified overdraft fees to my TD Business Simple Checking account. The dates in questions are as follows : 1. ) XX/XX/2020 Maintenance Fee of {$10.00} bringing my account first negative at - {$6.00}. 2. ) XX/XX/2020 Overdraft Fee of {$70.00} bringing my account to {$21.00}. 3. ) XX/XX/2020 Overdraft Fee of {$35.00} bringing my account to - {$59.00}. 4. ) XX/XX/2020 Overdraft Fee of {$35.00} bringing my account to - {$130.00}. 5. ) XX/XX/2020 Overdraft Fee of {$70.00} bringing my account to - {$260.00}. These Overdraft Fees were applied incorrectly/unjustly and I would like this to be correctly applied to my account and refunded all " relative '' unjustified/errored Overdraft Fees to be credited back to my account. I am going to pay off this balance today to bring my account back into the positive status but would like to be credited back the unjustified Overdraft Fees! Thank you.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A