Date Received: 2023-10-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On XX/XX/2023, I attempted to make a monthly payment for my car note of {$600.00}. I noticed that the system was asking for me to pay {$1800.00}. I immediately called T. D. Auto Finance and asked why was the system prompting me to pay more. A representative told me that it was my last car note and thats why they were asking for the amount. I asked the representative if I could break that amount into XXXX payments. She replied yes, and said she would notate the account. The representative never told me that it would be considered a late payment and it would affect my credit. I assumed I was making arrangements in good faith with the company after XXXX years. I never paid off a car loan before, so I had no knowledge of how it works. The representative told me it was okay to pay it off in XXXX payments. A few weeks later, I checked my credit and disturbingly discovered my score dropped XXXX points. I never out of the XXXX years had a late payment with this company or no other company. If the representative would have informed me what would happen or just explained that it will be a late payment. I wouldnt allowed my score to be destroyed after all these years. I had a perfect record paying history with them. I worked too hard to maintain my credit score and now its destroyed. I cried out to other representatives with the company and to the managers. Everyone gave me their empathy and sent it to a higher department that denied it. They say they listened to the recordings and they dont take the blame. I think this is very unfair. A manager even told me that if I make the last payment beforehand, they will remove the late payment from my report. I made the last payment early. When I spoke with her again. She still gave me the bad news that they wasnt at fault. Another representative I spoke with from the company told me that she always inform her customers about the guidelines/consequences if something like this takes place. The representative stated that she wasnt sure as to why the initial representative didnt inform me or warn me about what could happen. Ive dealt with other companies in general in the past and they always make me aware of the risks. Im not sure why the particular representative failed me and also the company. Im not sure why the initial representative I spoke with didnt inform me because now my credit score has dropped tremendously. Im very sad, hurt and depressed. Im not sure what to do at this point. Its affecting my mental state at this point. I was excited to pay off this loan so I could buy a home. I know that will be very hard now since this company after XXXX years has failed me. I had a perfect payment history with them. Im torn. Please help. I would really appreciate it.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
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: Please see all files and pictures attached. In my Target Mastercard fraud claim dated XX/XX/ ( See attachment " XXXX XXXX ), that includes a total of 24 transactions for a total amount of {$880.00} ( See attachment " Pic 3 ), Target has completely botched the dispute process and has completely screwed up my account to the point that I can't make sense of it. Furthermore, Target approved my fraud claim in my favor but then for some unknown reason reopened the fraud claim all the way on XXXX ( See attachment document page 2 of 11 ). Furthermore, Target states that the fraud claim was reversed and in an amount that I never disputed, {$1000.00}. I've called Target at least on 30 occasions and sent 2 letter, one of which was an appeal. I have only been able to speak to the representative handling my case on 1 occasion, her name is XXXX. I have never once been able to speak to XXXXXXXX XXXX supervisor. I ask to speak to them every time I call customer service, to no avail. The representatives tell me that all they can do is send emails to XXXX and her supervisor. They never call or resolve my claim. Target claims that travel tickets were purchased and therefore that was a partial reason for denying my claim. I asked Target to provide evidence of this, they have not. The only travel related charges that I do see on my statement that were disputed appear to be from XXXX XXXX. I called XXXX XXXX myself and ask about the 2 charges that appear to be made at their business. They advised me that those 2 charges that I see on my statement were not used to purchase any travel tickets but were in fact charges for miscellaneous services/item not involving any travel. Target claims that my PIN was compromised. I did not have my PIN written down anywhere. Additionally, I spoke with a Target call center representative by the name of XXXX on XXXX who advised me that my PIN number was not used in any of transactions in question. Even more concerning, I appear to actually have received more charge backs and duplicate charge backs than I ever disputed in the fraud claim in the first place, which I have been made financially responsible for. For example, please see pay 7 of 11 of the attached document in the statement dated XXXX It shows a duplicate charge back from merchant XXXX XXXX XXXX XXXX, two charges for {$11.00} each. There was only ever one charge from XXXX XXXX XXXX XXXX to begin with.
Company Response:
State: OH
Zip: 44146
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33634
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Money was not available when promised
Subissue:
Consumer Complaint: CFPB complaint number XXXX filed on XX/XX/2023 regarding the undelivered {$15000.00} international wire transfer : The case has not been resolved yet. On XX/XX/2023 TD bank customer support 's advocate replied to my complaint by an email apologizing for the inconvenience and explained to me that the intermediary bank " i.e.XXXX XXXX '' finally sent the money to its beneficiary on XX/XX/XXXX after it requested additional information ( while in fact there was no new information they requested for! ). He says the delay belongs to the intermediary bank 's screening process!!. TD bank customer 's advocate told me it will reach its destination within a few days. Nonetheless, As of today XX/XX/XXXX almost three more weeks passed and nothing reached to my brother yet.
Company Response:
State: NY
Zip: 11214
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
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 first contacted TD Auto Finance on XXXX XXXX, 2023 to get a lien release that we have never received. They told me it would take 7-10 business days. Never received the lien release. I contacted them on XXXX XXXX and they said to give it a few more days. On XXXX XXXX, I called again and got a run around. Here is a list of every time I called. XXXX XXXX asked for status XXXX XXXX they told me it was escalated and I should have it in 5-7 business days XXXX XXXX status, they are working on it. XXXX XXXX status, escalated again, this time to next day mail, also asked for a fax along with mail. XXXX XXXX called for status. I was told it would take 3-5 days for processing XXXX XXXX status, they are working on it XXXX XXXX status, they are working on it XXXX XXXX status, they claim they will have a tracking number by XX/XX/XXXX or XXXX. It is now costing money for fines and penalties.
Company Response:
State: SD
Zip: 57701
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: When applying for credit in XXXX of this year I was refused credit, the reason given was delinquent accounts, which I did not understand a few days later I received copies of my credit reports from the three major credit agencies and to my horror they contain numerous delinquent accounts that did not open, that is when I became aware that I'm a victim of identity fraud and identity theft After working with the XXXX, XXXX and XXXX all the fraudulent accounts have been deleted. But one I have attempted to contact the company but as today I have not gotten any response and they continue to report the account as my account. The company name is TD Bank XXXX XXXX XXXX XXXXXXXX, XXXX, MN. XXXX XXXX to rectify this issues. Thanks
Company Response:
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was unaware of the unauthorized use of my card until it was declined for a very small purchase in early XXXX. I Called them immediately and I was told that the reason was because they suspected fraudulent use and that they had tried to contact me and couldn't. I did not receive any such mailing ; they have my cellphone number email address and work number. I was assured that I would not be responsible for charges that I did not make or authorize. I have been working with Target fraud department and hoping to resolve this issue to no avail. I did receive questionnaire asking which charges were fraudulent and I sent paperwork back. Only to receive the very same paperwork sometime later. That was a problem because I didn't retain a copy and requested they send another which they did not however on XXXX XXXX XXXX I discovered the information and resent it certified mail to the address provided. I have received a bill from Target that states Only that " this is an attempt to collect a debt '' and asks for a payment of XXXX payment on the full amount of XXXX. These transactions are for several fast food purchases made on the same day and several online purchases including from Target and sports equipment stores that they did not tell me what the items are. Several alcohol purchases online to other states and even to XXXX. They were not made or authorized by me. And I made that adequately clear to a customer service representative who told me that the letter should not have been sent because the issues were clearly still under investigation And that the have erroneously categorized it as a dispute rather than Fraud. This has been unresolved since XX/XX/ and involves charges from as early as XXXX XXXX XXXX The bill sent to me prior to the statement in question had a balance of approximately XXXX XXXX
Company Response:
State: NY
Zip: 11704
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/. I had made a check deposit into my account with TD Bank at about XXXX in afternoon. The next day I expected the check to be clear so that, I can use it for it's purpose and unfortunately I find out that the bank was holding it for no apparent reason. Then I called the bank to find out why they are holding up my check and their reason for that was because, of a suspicious purpose and, that it will be released in a week later. However, I asked how many times have they seeing me making the same type of check deposit into my account and everytime I made a deposit it's either suspicious or some nonsense excuses from these company. Moreover, even when relatives and friends sent money into my account to help me out from what I am going through the money will still go on hold. And everytime I have to called the bank to release my money, because it's for an emergency situation since I wasn't able to work constantly, because of back XXXX that I recently under went. However, me trying to understand the reason for the continuously hold on my check deposit or any other transactions that may take place in my account, does that mean I have to wait for a week for my money... I have a XXXX XXXX XXXX child that I need to provide for, I have to do food shopping, fuel my vehicle and etc. Waiting one week to have a check verification does it have to take that long? One week to wait for a check verification without food to eat for me and family, no gas in the tank for me to go about my daily life... What kind of stupid policy is this? Who made all this no brain policies that the banking companies are using to hurt people who are in tough condition like me and many others out there? This nonsense has to stop before someone get hurt at job out there. People deserve 's a better treatment from the banking companies than what we're getting. I demanding for a thorough investigation into a banking system like TD Bank and others and I want them to be hold accountable for the illegal action against the consumers.
Company Response:
State: MN
Zip: 55443
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
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: Td Bank has a bump rate savings account with a 4 % interest rate with a linked account. I had 2 other accounts one being a checking and the other a mortgage. When I made a deposit, a TD employee linked my savings account to my mortgage with out my knowledge. When the mortgage account was closed, it dropped to a low interest rate for the term which I was not aware of as the account wasnt linked. When I discovered this I spoke with the bank and they said they would fix the issue and credit the interest it should of had as I had an active checking as well at the time and during the interest period. They are now refusing to credit the interest even though it was their employee that linked the account in error.
Company Response:
State: CT
Zip: 06074
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A