Date Received: 2020-09-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hello again, Just last week I spoke to one of your Customer Service Representatives, they had told me to write in regarding the aging of my account with you. In addition, the agent told me the reason the account is aging at this time, showing a charge off as of this date, XXXX/XXXX/202, is because your " system '' shows that I have disputed the account, therefore it automatically reports it as currently being charged off. When in reality it was charged off almost seven years ago. This is not only damaging my credit or what little I have it is also false information. Therefore, I am asking that you be so kind to remove the " dispute '' on my credit report with your company right away. Please report to all three credit reporting bureaus right away. Then, please on the payment history do not report past the actual charge off date as per law or the FCRA. This should take the account to the proper status. Please see that these changes are done right away. Thank you in advance. XXXX XXXX
Company Response:
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2020-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-09
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: To whom it may concern : Before I file a complaint with the Connecticut banking commission and post my reviews and comments all over social media, I wanted to let you know of my frustration with your subordination department and give you a chance to respond. My wife and I completed paperwork for subordination on XX/XX/XXXX and submitted it to our attorney. It was received by TD Bank on the XX/XX/XXXX. At that time, we were told that it would take 10 to 14 days for review. That length of time came and went. Every time we emailed, we were told 10 to 14 days. Finally, towards the middle of XXXX, we were told by the end of this week or next. Frustrated, I finally called and spoke to XXXX, a lovely woman who was very helpful. Like me, she could not believe so much time had elapsed between the submission of the paperwork and an answer. After nearly an hour on the phone, she came back to report to XXXX, the person with whom we were dealing, is the only person working in the subordination department. She said this was because of transfers and other situations. Again, like me, she was surprised that this would be the case. She agreed to expedite our case and to do all she could to make her deadline of closing. That time came and went. We lost a lock on our rate and have had to lock at a different rate. Originally, we were refinancing her home at 2.875 % for 30 years. We are now having to look at a 3 % rate. Though it doesnt seem like much, your companys lack of customer service and inability to process paperwork in a timely manner has cost my family {$11000.00} over the life of the loan. That is unacceptable. It has now been eight weeks since TD Bank received the paperwork. I still have no update and I still have no subordination agreement. If we do not close on the loan in the coming days, we will be out nearly {$4000.00} in fees and have to start the process all over again. This is simply unacceptable. Your customer service is horrible. Having lost friends to the pandemic and working at a XXXX that has suffered serious layoffs, my wife and I have seen firsthand the heartbreak this pandemic has cost. Like XXXX, my wife and I are both working remotely. Like your company, our XXXX have taken significant hits. In an email I received this morning, which was automated, I am now told that it will take nearly 30 days to get subordination. Customer should have been told of this change weeks ago. Having one person organize the subordination department is unconscionable. Mortgage rates are at an all time low and your institution seems perplexed by the fact that people would want to refinance their homes. As soon as we close on the refinancing, our plan was to refinance our home equity loan with TD Bank. That would allow us to make the home improvements weve been hoping to make. I am now of the mind that I might be better off walking away from TD Bank completely, closing our accounts, and trying to get a home equity loan somewhere else. I ask that you do all you can to get the situation resolved. We have submitted all the paperwork, paid the fees, resubmitted paperwork when the original was out of date, and now are in limbo. I would appreciate a response within the next 48 hours. Otherwise, I will do all I can to file complaints and make our situation known. We are a family of XXXX and can not afford XXXX additional dollars out of pocket over the life of the loan when we couldve taken advantage of such a low rate had your institution been ready to meet the needs of its consumers. Thank you. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX
Company Response:
State: CT
Zip: 06825
Submitted Via: Web
Date Sent: 2020-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hi I found out that an account has been opened in my name in TD BANK which I never opened, I found out about this account in XX/XX/2020, I had already filed an police report about this situation in XX/XX/2020 as well. I have disputed this account several times with the credit bureau ( XXXX ) but the account still remains on my credit report please help me. I had also gave the copy of my police report to the TD BANK branch near me but the account has still not been terminated.
Company Response:
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-07
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: I am writing to file a complaint against TD Card services for falsely claiming to thoroughly investigate my dispute and finding in favor of a fraudulent company. On XX/XX/2020, I purchased what I believed to be authentic wireless XXXX headphones for my XXXX year old son. I should have known the price was too good to be true, but the site claimed these headphones were real XXXX. The site goes by XXXX, uses the XXXX XXXX XXXXXXXX XXXX XXXX, and photos and descriptions of XXXX products. The site has the real XXXX price crossed out and the discounted price of {$69.00} listed. After I made my purchase, I decided to look into this company. Something didnt seem right. It did not take me long to notice this company is a scam. On the websites contact page, there were many misspellings ( for example, address was spelled adress ). The address, XXXX XXXX XXXX XXXX, XXXX, Louisiana, XXXX, USA, is not a real address.The phone number is not legitimate either. I tried calling the company to cancel my order, but the phone number was constantly busy. The site claims fast free 2-day delivery, but the company took a week to supply a tracking number, and then I saw the product was being shipped from XXXX.I did more research, and found XXXX to be listed on sites that report scams. I also found an abundance of complaints and warnings against this company. The company has since changed their name to XXXX and they seem to change their name every couple of months, On XX/XX/XXXX, I contacted TD Card services to dispute the charge. TD Card services told me the payment was still pending and that it needed to post before I could file a dispute for counterfeit merchandise. On XX/XX/2020 I filed a dispute for {$69.00}. The headphones were shipped from XXXX, XXXX, on XX/XX/2020 and arrived to me on XX/XX/2020. I did not open the package and refused it. The package was returned to XXXX, XXXX, on XX/XX/2020. On XX/XX/2020, TD Card services called me to ask if I received this package. I told them that I refused the package because the headphones are counterfeit, and that the package was received by the XXXX company on XX/XX/2020. I gave TD Card services the tracking number so they could investigate further and see that the item was returned. Four days later, on XX/XX/2020, TD Card services sent me a letter rejecting my dispute and finding in favor of this scam company, claiming they were able to get in touch with the merchant and that I received the product I ordered. The {$69.00} was charged back to my account. I called TD Card services to appeal their denial of my dispute, and was told that it is up to the investigator to open up the case again. The representative would not let me speak to an investigator and said there was not much more that could be done. I am filing a complaint against TD Card services for claiming to investigate thoroughly and properly. I find it hard to believe that they were able to contact the merchant when I was not able to do so with a false phone number and address. TD Card services simply asked me if I received the merchandise, ignoring the information that I gave them about returning the merchandise and providing proof of receipt of the return with a tracking number. They allowed this scam company to keep my money, and I am now without the merchandise and at a loss of {$69.00}.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2020-09-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-07
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/XXXX, at the XXXX branch of TD bank, I asked XXXX XXXX to discontinue an existing auto-pay arrangement I had made a few years to meet my six-monthly insurance dues to XXXX XXXX. XXXX XXXX told me that TD bank would charge me a fee of {$30.00} for doing it. I declined and left. I emailed her the next day, asking her to CONFIRM that she had indeed attempted to charge me a fee of XXXX dollars for discontinuing my standing instructions. I received two calls from TD bank ( saying " We are reaching out to you '' ), but I told them that 'reaching out ' by email was preferred, for it leaves a trail. TD then emailed me offering to " waive the fee '', but I made it clear that I was NOT seeking any favors from them. They were clearly trying to hustle me for this fee, and I suspect that many other customers would have been similarly fleeced. The fact that they offered to 'waive ' the fee does not absolve them of culpability any more that it absolves a thief who offers to return the stolen loot when caught stealing.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2020-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-07
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response:
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2020-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: XXXX delete 3 collection accounts that after an investigation dispute XXXX and collector fail to provide proper documentations to validated the debt and Collectors report only to XXXX XXXX and delete this accounts I contact XXXX and XXXX to investigate why collectors did not report properly to the other credit bureaus to delete the accounts and dispute was summit it and never received no documentation under section 623 My compliant is to correct and update this information properly to all credit bureaus and delete this inaccurate accounts that dont belong to me XXXX XXXX XXXX Account # XXXX Deleted XX/XX/2020 by XXXX Td bank used credit Account # XXXX Deleted XX/XX/2020 by XXXX XXXX XXXX XXXX Account # XXXX Deleted on XX/XX/2020 by XXXX
Company Response:
State: TX
Zip: 795XX
Submitted Via: Web
Date Sent: 2020-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-06
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: Charged for XXXX XXXX XXXX XX/XX/XXXX that was cancelled XX/XX/XXXX. Submitted dispute XX/XX/XXXX stating premium care was cancelled and charge be reversed. Never received response on dispute in accordance with Reg Z. Billed {$1.00} Late fee on XXXX Statement and {$3.00} late fee on XXXX statement. Account was on autopay, but payment never taken.
Company Response:
State: UT
Zip: 84107
Submitted Via: Web
Date Sent: 2020-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I applied for SBA loan in XX/XX/2020 under my name as individual XXXX XXXX ( XXXX XXXX ) also under my bank account so in XX/XX/2020 i received XXXX in XX/XX/2020 the bank blocked my account which is XXXX $ and oblige me to open a business account to release the fund so i responded now its been 35 days allegedly under reviewing i went branch several time they told my contact management so i contacted management they told me visit the branch!!!!!!!!!!! many times and nothing changed ... so in need to set my business and bank refuse to unblock the account which caused to me business loss and delay i couldn't buy a new XXXX car to start work or pay insurance i couldn't set up my XXXX XXXX in addition of through the pandemic period i never claim or receive any kind of unemployment or benefit please help me to sue this bank
Company Response:
State: NY
Zip: 11385
Submitted Via: Web
Date Sent: 2020-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-05
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have been getting charged DOUBLE INTEREST on my TD Bank Charge Card. My most recent payment for XXXX was paid on XX/XX/2020 for a total of {$140.00}. {$92.00} was for INTEREST. Shortly thereafter on XX/XX/2020, my account was charged AGAIN for {$94.00}. This has been typical since I started using this card. On XX/XX/2020 I paid {$120.00}. INTEREST CHARGED was {$80.00}. AGAIN, shortly thereafter, I was charged {$92.00} INTEREST AGAIN on XXXX XXXX. XXXX PAYMENT was {$100.00}. {$51.00} was INTEREST. XXXX INTEREST CHARGES AGAIN for {$80.00}. XXXX {$37.00} PAYMENT. {$21.00} was INTEREST. XXXX INTEREST CHARGES AGAIN for {$51.00}. XXXX PAYMENT was {$35.00}. INTEREST was {$1.00}. XXXX INTEREST CHARGES AGAIN for {$21.00} As you can see, TD Bank is charging me TWICE A MONTH FOR INTEREST.
Company Response:
State: DE
Zip: 19713
Submitted Via: Web
Date Sent: 2020-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A