Date Received: 2020-11-17
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I called today to request forebarence or deferment of payments since my husband is now unemployed due to Covid. The company said they are no longer offering any " extensions. '' I told the representative that I thought all companies had to comply due to Cares Act if the loss is pandemic related, she stated that they did not.
Company Response:
State: NC
Zip: 28409
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I'm currently reviewing my current credit bureau reporting, and records show an inquiry from TD Bank USA/Target on XX/XX/2019. I have not applied for a TD Bank USA card or Target card. Evidently the information matches because It's on my credit report, however, I did not submit this request.
Company Response:
State: NV
Zip: 89128
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been trying to speak with TD Bank agent to pay off a HELOC. I can not get a live person or agent to work wtih to execute the payoff. I called several 1800 # s and never get an agent- even waiting 45 minutes plus routinely within one day. I called a local branch for service and was advised the only way I can payoff the loan is using the 1800 customer service phone numbers. TD Bank XXXX XXXX XXXX
Company Response:
State: PA
Zip: 19460
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
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 XXXX. On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XXXX XXXX, 2019, TD AUTO FINANCE add a hard inquiry on my credit report per XXXX.
Company Response:
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I obtained a used car loan from TD Bank with and they had my address incorrect for the first 3 months of my loan period. I called numerous times, tried to set up auto pay and I paid {$1200.00} last month. My payment of only {$590.00} and somehow I was charged another {$57.00} in late charges? I am only on my 6th payment and I am fairly certain I have been charged the same fee EVERY TIME. I called on a Saturday ( my day off ) and begged! to speak with a Supervisor because I have a 100 % on time payment history and work with everyone I have debt with to pay on time so this is no different except they will not take responsibility for dropping the ball. I'm looking at my statement and none of it makes sense. The statement date is XX/XX/XXXX but my payment is due XX/XX/XXXX. The statement doesn't tell me my interest rate, why or when the fee was charged or what the billing cycle even is. How have statements evolved to provide NO IMPORTANT information. The statement date is the XX/XX/XXXX but I got it today, XX/XX/XXXX which gives me 12 days to make a payment or get charged 10 % as a late fee?? I demand all of the fees be credited to my loan because I asked for a supervisor to call MONTHS ago and no call. I have no way of resolving this if the person I am talking to has no authority and nobody follows up with you forcing you to CALL AGAIN. I told her there is no difference to me to pay on XXXX or any other day of the month so why would I take a late fee. I am barely scraping by because I have made no money this year so why would I pay 10 % fees on loan I was told I can't refinance even though the rate on this loan is 7 %! They say they are about customer service but I have gotten no help, empathy or support while I try to resolve this. Again, I pad {$1200.00} on XX/XX/XXXX and the current amount due dated XX/XX/XXXX should a assessed late charge. I've basically paid {$360.00} EXTRA in fees. They don't even tell you how much you pay in interest.
Company Response:
State: FL
Zip: 33401
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: TD Card Services Charges : 1. {$7.00} Transaction Date : XX/XX/XXXX Company : XXXX Ref. No.XXXX XXXX. {$110.00} Date : XX/XX/XXXX Company : XXXX Ref. No. XXXX Charges : 1. $ {$6.00} Date : XX/XX/XXXX Company : XXXX Ref. No. XXXX 2. {$85.00} Date XX/XX/XXXX Company : XXXX XXXX. No. XXXX There were two charges that were charges I had made, so they are not included in this dispute. 1. XXXX : {$40.00} and XXXX. XXXX {$7.00}. So these can be disregarded. I filed a dispute with TD Credit Card Services which they received on XX/XX/XXXX and was told they investigated and was denied. I then filed a second dispute eliminating the XXXX charges with documentation on XX/XX/XXXX and have not heard from them since. I feel my credit card was compromised and i no longer have charged anything to my TD credit card. I eventually will close this account.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2020-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To whom it may concern, back in XXXX there was identity theft on my account. I spoke to TD Bank about it and they were going to remove the 2 inquires. It's been a while its not XX/XX/XXXX and these things still show up. Under the fair credit reporting act 609? Shouldn't these be off? again I never authorized this. They removed from XXXX just not XXXX. I will show u that that they are not on XXXX. thank you
Company Response:
State: NY
Zip: 129XX
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I worked with TD bank for weeks leading up to the closing of our mortgage. The company assured me everything was in order. One week before closing they still did not have final numbers for us. We contacted them multiple times and finally got a response with the closing costs. The day before closing we got notification that the expensive attorney hired by TD bank did not know the date of the closing and the person working on it " wen on vacation '' without notifying anyone? Our closing was delayed and we spent extra time in a hotel during the pandemic. In addition to that on closing day our closing costs were almost twice as much as the " final '' closing costs TD bank showed us a few days prior. This is an unacceptable level of incompetence. In addition we pre-paid all taxes in an escrow account. My attorneys office was asked to pay the school taxes which were paid in a timely manner. TD bank was supposed to pay the XXXX portion of our property taxes which they did not do. I received notification in the mail regarding delinquent taxes on our property. It has been a hassle to reach anyone at TD bank. My wife and I have spent over 1 hour on the phone to speak to someone at least 4 times without a resolution of our issue. At this point TD BANK seems like a joke and have had nothing but awful customer service. We regret even taking out this mortgage with them.
Company Response:
State: NY
Zip: 13905
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2020 XXXX XX/XX/2020 XXXX, I'd received a strange text alert. The text appeared to be from my bank ( TD Bank ) that said that there had been fraudulent activity on my account. It stated that a transaction of {$450.00} had been attempted at a XXXX XXXX, and to reply Y if I recognize it, or N if I did not. I ignored the text because I did not see any funds come out of my account, but then I received 2 calls from the TD Bank identity theft number, which was XXXX. I became uneasy, because I recognized that number to be from my bank. This prompted me to reply " N '' to the text alert, and soon after the TD identity theft number called me again. When I picked up, the man sounded like a representative of TD bank, and he asked me if I recognized this transaction of {$450.00} made at a XXXX XXXX in XXXX, Georgia. I said that I did not recognize it, and then he told me that my account had been compromised, and that I will need to transfer all of my funds into a new account and close this compromised one. I agreed, and he asked me for the last 4 digits of my social security number to confirm my identity. I believed he was a representative of TD bank, so I gave him the last 4 digits. He then used those numbers to get into my account and transfer {$2500.00} out of my account and into his account via XXXX. I was receiving text alerts and confirmations from XXXX about the transfers, but I didn't question them because I believed that the funds that were being transferred were going into a new account under my name, not the scammer 's. After it was all said and done, he said that the police will be investigating my account about the fraudulent activity, and that I shouldn't access my account for 24-48 hours to " allow for a proper investigation from the police ''. That was when I realized what had happened. I immediately went into a TD Bank branch and told them what had happened. I pleaded and asked if anything could be done to stop the transactions, as they were all still pending at that time. The representative told me that I could not do anything to stop the transaction if it is pending ; I must wait until it posts and then dispute it. After I had gotten home from TD Bank, I contacted XXXX and told them the entire story, and the account that the scammer used to receive all of my money ( XXXX XXXX. I asked if they could freeze the fraudster 's account so that they could not receive the money, but they just redirected me to consult my bank regarding this issue. Feeling helpless, I just waited until the transfers officially posted, and then I went back into a TD Bank branch on XX/XX/2020, and officially filed an ACH dispute on the {$2500.00} worth of unauthorized transactions. 2 weeks had gone by, and on XX/XX/2020, I received mail from TD Bank, stating that they examined my case, and found that an " error did not occur ''. I don't believe this was a fair decision, as I was under the notion that I was transferring the money to a safe account, and I also believed that I speaking to a TD Bank representative from the identity theft department, since he was using the number and speaking like a representative of the bank. I am aXX/XX/XXXXXX/XX/XXXX, and that was all the money I had for books, supplies and materials. I am feeling helpless, angry and confused at this decision, and I am hoping that I can gain the money back that I was wrongfully scammed out of.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2020-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-14
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: The previous complaint with CFPB, reference number XXXX, was resolved. Attached is a copy of the letter from TD Bank confirming resolution. However, when I attempted to use the retail card, it prevented me from completing the purchase. Attached is the screenshot of the attempted transaction.
Company Response:
State: CA
Zip: 95682
Submitted Via: Web
Date Sent: 2020-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A