Date Received: 2020-11-10
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: My credit card account with a balance {$8800.00} of with TD bank was charged off in XX/XX/XXXX and was purchased by XXXX XXXX. On XX/XX/XXXX, I reached an agreement with XXXX XXXX to settle this account in full for {$3000.00} ... {$2000.00} initially and then XXXX payments of {$90.00} until satisfied. I made the final payment in XXXX of XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX confirming stating that " your account has been settled and your debt is now satisfied. '' XXXX did their part by removing the collections entry from my credit report. TD Bank, however, continues to report this account with a past due balance of {$8800.00}. I have disputed this multiple times with XXXX and TD Bank has always updated it with the correct info ... only to report it incorrectly again and again. This past month, I disputed it and they refuse to update it with the correct amount of XXXX. I have attempted to call them and they will not do anything other than forward my calls to XXXX XXXX, who while sympathetic, can't help me make TD stop fraudulently reporting my account.
Company Response:
State: VT
Zip: 057XX
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: My dad and I share a bank account with TD Bank. On XX/XX/20, I noticed there were five unauthorized XXXX transfers on my account for a total of {$4800.00} to someone I did not know that occurred. I immediately notified TD Bank and submitted a fraud claim. I also froze the account and opened a new account. At this same time, my dad realized that his information had been compromised as he noticed fraudulent activity on his other TD accounts and he also opened a new account. We have both called TD Bank and told them that we had never authorized XXXX. XXXX had never been used on my account before. After following up, I have been told by TD Bank that my fraud claim has been denied since my dad 's email address was used to authorize XXXX. This is despite the fact that we told TD Bank that my dad 's information had been compromised and that we have never authorized XXXX. TD Bank has told me that I am liable for the full {$4800.00}. When I called TD Bank today, I was informed that I needed to submit proof that my dad 's information was compromised. I am not sure how to produce such information other than the fact that we immediately reported the fraud, closed the accounts where the fraudulent activity occurred, opened up new accounts and have changed the passwords on all of our accounts.
Company Response:
State: NY
Zip: 10009
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2020 I went to a drive through of a TD Bank on XXXX XXXX in XXXX Florida. I withdrew {$1300.00} from my account in $ XXXX and $ XXXX. I counted the money but I didnt look very carefully. 1 of the {$100.00} bills was a counterfeit bill. I found out because the person I gave it to took it straight to his bank and they rejected it. There is no question it came from this bank and they have reacted by not caring in anyway. They have not even asked to see the bill to try to resolve this in anyway. The branch manager wont even give me someones number to file a complaint or a case. Please help me
Company Response:
State: FL
Zip: 33458
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX : credit card XXXX ( closed ) There was an issue with TD Bank reporting an incorrect balance due, which was supposed to have been resolved through CFPB complaint # XXXX, per a letter from XXXX XXXX dated XXXX XXXX 2020. However, it has been XXXX months, and the negative information still has not been removed from my credit report, and my credit score still shows about 670, when it should be about 800, and was about 800 before TD reported false information. Please report to ALL credit bureaus that I do NOT owe TD Bank anything, and there were NO late or unpaid amounts. As TD said they'd do months ago.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-08
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I XXXX XXXX opened a bank account and a secured credit card, as a XXXX XXXX to USA by marriage. My husband helped me do this and he is an account holder of the TD Bank. The accounts and cards where all linked in their banking app and the manager claimed it is a marvel how these things link on the app. My name is really long - XXXX XXXX XXXX XXXX, so they said they we are doing some tweaks in name as XXXX XXXX XXXX etc. to create both your accounts. We provided all documents and said, even social security had some challenges printing the name on card as full, but was ok with taking the name as whole. The account was opened and we started using the card and making payments. We setup an Autopay and on XXXX XXXX, where XXXX is the Autopay day, we logged in and checked the automatic payment was through. Our card was setup great from an account with XXXX $ in balance. Then we logged off, but when we logged in after 1 1/2 months the balance was higher than our monthly XXXX $ phone bill, that is charged. So we make an appointment to the bank in the PEAK COVID, get in there after a week and bank stay on phone for 1 hour with TD Bank Credit Card and was assured it will be fixed in 3 days and the fix will be in effect at next Autopay!!! I asked will they report late payment, the Credit card bank assured - oh no it is not your fault - why would they??? It was determined the name on the credit card and the personal checking accounts are different is the reason why the Autopay failed. We did not create this accounts, same person in the bank created it USING BANK SOFTWARE. Next Autopay also failed, we went back twice with appointments and against the advice, made a XXXX $ payment in cash. Again one hour phone call, my husband taking an hour off from work and was assured, wait till next Autopay, everything was fixed and it will process. Next Autopay on XX/XX/XXXX failed, my husband made the payment by signing his account. His name is not XXXX XXXX and it took the payment. He created a XXXX account for two days later - waking up from sleep in panic, in the middle of the night at XXXX and found a late payment was already reported. Late payment was reported for XXXX BUT we went to bank and made a manual payment of XXXX $ by rather persuasively on XX/XX/XXXX! At least I should know, why I need to persuade a banking official to make monthly payments to credit card??? This should be in training and the banking official XXXX finally claimed, he did not know, but could not fix it as the manager at the center asked him to claim, since I signed Autopay, it has a disclaimer, it is my customers responsibility to make the payment! This is outrageous!!! I am not very proficient in English is why always my husband accompanied me, and did majority talking on my behalf. Bank is doing this to harvest interest, by deliberately destroying credit. This is a XXXX like activity! I believe this is their OPPORTUNE COVID BRIEFING by upper management. They said we understand it is not your fault, but can not fix it! I believe Management said, do not fix it, it is COVID! We can harvest interest for next 7 years! This is a secured credit card, with XXXX $ payment. Not a loan! It is linked to a Bank account with XXXX . If the name is wrong, how was it linked??? Besides, I never put any name in the system! We where not getting monthly statements, to make payment by mail!!! We also did not receive an email that Autopay failed or monthly statements. We did not get a letter, bank account was blocked or an email, that bank account or Autopay was blocked. I AM A CONSUMER who pays for services and have rights to reasonable services and customer service to some sort of satisfaction and not dollar value based - alone. Final statement from the bank is that, when they tried to correct the Autopay, the Autopay was turned off and IT IS MY FAULT!!! again I turned it on, but the bank account had a block on it, due to failed transactions due to name. Again it is my fault was banks assessment, although it is not possible to find out there is a block on the account!!! There is no place in banking software or credit card or paper notification, that account is blocked. This is my responsibility is the information given to me and was told, ok, we are out of the loop - as th e Autopay screen displays the disclaimer! If someone lied to me my account was not blocked and I sign a disclaimer based that I made judgement based on your information, then how is it my fault ??? It is negligence or fraud from banks side!!! or both. A blocked account should be notified! TD Credit Card company said when we called to cancel late payment, it is TD commercial Bank 's fault, as they admitted it in letter to us. I am a consumer, same Bank TD Bank opened the account using in house computer software and linked them. What is the confusion between account names after the linking of two accounts was successful? This is not my fault ... not telling me account was blocked was not my fault. I should have some way to pay my bills. Training banking employees, inadequately, don't make payments and don't worry till Autopay goes through - is very grave fault from banks side. I attach a letter from bank admitting fault and statements with transactions rounded. Please remove that late payments from my account. My credit is new and I am not a non payer, it is a secured credit card and I loaned no money and had XXXX $ to make payments kept, that bank blocked notifying nobody, not updating software to blink it when opening account on the computer! There is no way to find out, the account is blocked! When we called XXXX XXXX, they where co-operative and removed the late charge and agreed with us. But when We called TD Credit card, as XXXX advised, the credit card maintains, it is not their fault and reinstates late charge!!!
Company Response:
State: NJ
Zip: 088XX
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: 2020-11-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2020 vehicle was towed and in process of retaining my truck observed some body damage done by tow truck and brake light stayed on I contacted TD Bank and advised was informed protocol was to wait until transaction has cleared because they couldn't stop transaction even though they still was in control and could have stopped transaction yet not only did they not stop or remedy same they fail to file claim as instructed
Company Response:
State: MD
Zip: 21061
Submitted Via: Web
Date Sent: 2020-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I first discovered I was a Victim of Identity Theft on or about XX/XX/XXXX, I filed an Identity Theft Police Report, I contacted XXXX, XXXX, XXXX XXXX and the creditors and collection companies involved. I thought this serious problem was behind me until XX/XX/XXXX, I was awaken to multiple voicemail messages and emails. My bank accounts, credit card accounts and personal email accounts were compromised. I called my bank, all my credit card accounts and auto loan account. I discovered a person pretending to be me attempted to access all my accounts, they scheduled approximately {$250000.00} in payments from my checking account, they applied for multiple lines of credit and attempted to make additional purchases with my accounts. They changed my login and contact information for my accounts and my email.They created fake email accounts in my name. TD Bank/XXXX is one of these identity theft accounts, I've contacted the credit bureaus and TD Bank/Cartier multiple times with my Identity Theft Police Report and Affidavit of Fraud. XXXX and XXXX XXXX have deleted this account from my Credit Profile, however XXXX continues to report this fraudulent account and TD Bank/Cartier continues to harass me with ongoing collection calls.
Company Response:
State: CA
Zip: 91364
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: 2020-11-06
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I am a single mom and experienced a major loss of income due to covid. I struggled to make payments and eventually fell past due. In XXXX, I recovered income that was previously lost. I called TD on XX/XX/XXXX and spoke with an agent named XXXX. I explained my situation and asked what payments arrangements could be made to bring the account current. I told her that I could make 2 payments per month until the account was brought current ( 2 full payments around {$600.00} ). She told me that she could only schedule 2 payments at a time, so the XXXX payments were scheduled. She told me that I would need to call back in XXXX to schedule two more payments. I told her I planned on making the payments on XX/XX/XXXX and XX/XX/XXXX which are my pay dates. She assured me that was fine, and she was notating this on my account even though she could not set up the payments during that call. However, on XXXX, my vehicle was repossessed despite being told my payment plan was acceptable. I called TD again and spoke with XXXX ( ID XXXX ) who informed me that this was a valid repossession because payments were not scheduled. She confirmed that XXXX stating I could only schedule 2 payments at a time was accurate, but also stated they can repossess if additional payments are not scheduled. This is conflicting information. The intent was to call on XX/XX/XXXX to schedule two payments for {$600.00} for the month of XXXX. Again, I was ASSURED that was ok. I was told a manager would contact me within 24 hours but I have not heard back. I am without a vehicle and no way to get to work or take my child to school. It is absolutely appalling that a company treats it's customers this way when they have been affected by covid.
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2020-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My account balance is totally wrong, and I do not owe these fees. I tried to automatically enroll for payments, and it is not working. The recurrently monthly payment enrollment on XX/XX/XXXX was canceled, it was shown as submitted, and then it was canceled. I also issued 1 payment on XX/XX/XXXX and it was automatically canceled by your system, then I issued the 2nd payment 7 minutes later when I saw that the payment was canceled, the 2nd payment was shown as status 'Canceled '' again and then I issued the 3rd payment when the system showed canceled. This payment was issued and shows status " submitted '' on XX/XX/2020. It has been 4 months since I have been calling and spending hours with customer services from TD XXXX and they said they were going to fix it. Now it is affecting my credit report. Please fix your system errors, fix my account, and delete this from my credit report today. I need my credit report as it was - Excellent. TD XXXX XXXX is charging duplicate charges and fees when the balance has been paid per the Contract/Agreement since I received the phone on XX/XX/XXXX. The balance is overstated with these duplicate charges and fees. I contacted them via phone multiple times and they told me that they were going to fix the balance but now it is reported as a collection in my credit report. Please delete it from my credit report TODAY, and correct the balance due.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2020-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: TD Auto Finance is reporting erroneous lates on my credit file. I received a late on XX/XX/20 by accident and after this I went to their office and gave them the information to auto draft my payment. I made it so this payment would be drafted a week before the due date to avoid any issues happening. When I checked my credit file and noticed a late for XX/XX/20 I was absolutely furious. To begin, this late was not reported until a few days ago, how? I was not made aware of this late payment, never received any calls notices or letters about this late. My next months payment was auto drafted with no issue. I never had to call and make arrangements for the missed payment. This just doesn't make sense. They had all the information and authorization to draft my payments. This was a mistake by them. If it was actually late they would have had to call me to recover that late payment but they didn't, they just drafted the next months payment. I'm not sure what is going on over there but I need this fixed ASAP. Its is erroneous. I was NOT late on XX/XX/20.
Company Response:
State: CA
Zip: 91786
Submitted Via: Web
Date Sent: 2020-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A