Date Received: 2020-11-27
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: My credit card was charged with transactions that are NOT mine. Mostly in the form of cash advances which I don't use. The bank has declined my dispute, please help me. TD is not protecting my credit / funds and it is destroying my credit and spending money I dont have. They have told me It is my responsibility to request camera footage from bank ATMs. I need guidance so this stops and to recover from the fraudulent transactions. Please help.
Company Response:
State: NY
Zip: 11784
Submitted Via: Web
Date Sent: 2020-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I an enrolles with a company for family budget services to get my credit card payments reduced. The payment gets made but misses by a few days. Then TD Card services puts me over the 30 days past due by hundreds in the month of XXXX and XXXX and is effecting my credit score. I've tried with family budget services, TD card services, and multiple credit reporting to dispute these past due amounts. These past due amounts are well over what was even due and is become extremely aggravating and TD is not doing much to help.
Company Response:
State: NJ
Zip: 07866
Submitted Via: Web
Date Sent: 2020-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2014 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Company Response:
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, TD AUTO FINANCE add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
Company Response:
State: MN
Zip: 55408
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I am appalled at the way this process has gone in getting a fraudulent account removed from my credit report. As TD Bank should know by now, I am a victim of fraud. I am also a trucker, so I dont have much free time to figure out how to get this fixed. I previously tried mailing them my ID theft affidavit, but I had an incorrect address for them. I tried calling in, but I was stonewalled because I didnt have my account information handy. After being transferred and put on hold multiple times, not a single representative would tell me where to send my affidavit. This is extremely frustrating. They literally refused to give me a simple mailing address! They are actively standing in the way of me repairing the damage done to my credit. I simply need to know where to send my documents.
Company Response:
State: CA
Zip: 93309
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX XXXX, XXXX, XXXX add a hard inquiriy on my credit report per XXXX. The report does not include information about the creditor. On XX/XX/XXXX, NORDSTROM/TD BANK USA add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX.
Company Response:
State: IL
Zip: 60004
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX On XXXX XXXX, 2019, TD AUTO FINANCE add a hard inquiry on my credit report per XX/XX/XXXX. On XXXX XXXX, 2019, XXXX XXXX add a hard inquiries on my credit reporte per XX/XX/XXXXand XX/XX/XXXX.
Company Response:
State: FL
Zip: 33409
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX XXXX, 2019, TD BANK USA/TARGET C add a hard inquiriy on my credit report per XXXX. The report does not include information about the creditor.
Company Response:
State: PA
Zip: 19116
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: XXXX XXXX until recently use to be a Buy Here Pay Here Lot so they still have that Lets Rip Them Off Mentality. This is the most unethical and dishonest dealership you can go to. I signed the Buyers Order that showed there was XXXX down. Then they produced one that says {$500.00} down and they have no explanation why it was changed and wanted me to pay them. I refused so they added it on to my loan plus another {$400.00} that they had no explanation for. I never got to see the Contract because I was told that they could not print it and they would email it to me. When they did, those signatures were not mine accept for the last 3 which they transposed over from my Drivers License. I told them at the time of purchase that I will not pay them {$1100.00} to wash my car. I was told that I would not be charged that Fee. The fee showed up on the Contract that I did not Sign therefor I was Charged. In addition they committed Bank Fraud by financing the car with 2 different Lenders and I verified that they collected the money from both Lenders. That caused me to owe a double car payment. Thanks to the FL XXXX XXXX XXXX XXXX one of the loans were finally cancelled. I called TD Auto Finance and told them that the Contract was a fraud referring to the Amount of Sale and Signatures. The first agent told me that he didn't care if it was my signature as long as he has a Signed Contract. The second Agent gave me the number to there Fraud Department and after several attempts i never was able to connect someone. The 3rd Agent called me and told me in a very rude demeanor that they asked the Dealership if the Contract was Fraudulent and they said no so they are fine with that answer.
Company Response:
State: FL
Zip: 34653
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My wife and I originally did a home mortgage with TD Bank , N.A . on XX/XX/XXXX for a refinance and cash out in the total amount of {$900000.00} with a interest rate of 3.5 % for 30 years. On XX/XX/XXXX we did a home mortgage modification in the amount of {$880000.00} with a interest rate of 3.125 % for 30 years. I have maintained my on payment status with TD Bank throughout the history with them and never had any late payment problem or skipped payments. However, on XX/XX/XXXX, I received a formal notice in the mail from TD Bank , N.A . that they are closing all my accounts with TD Bank ( e.g. personal checking, XXXX checking, saving, etc. ) including this mortgage loan that I have with them. I have emailed the executive teams at TD Bank, left messages with them, however, they are not return my calls or respond to me. I believe TD Bank is engaging in predatory lending practices ; they are trying to seize the collateral, or my primary domicile, even though I have excellent payment history with them. This is a classic example of lender liability in which they are trying to own my property for no fault of my own. In fact, according to the original Note I have executed on XX/XX/XXXX, Section 6 ( b ) Default, Default only occurs " If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. '' I have an excellent payment history, and was never late on payments. I have not served with the Notice of Default as per Section 6 ( c ) of such Note. I do not understand why they are now claiming they will close all my accounts including the mortgage account I have with them. I am not sure why the bank is doing something like this to prey on consumers during COVID-19.
Company Response:
State: NY
Zip: 11354
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A