Date Received: 2020-09-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Issue : My mortgage with TD Bank was under COVID forbearance from XX/XX/XXXX, to XX/XX/XXXX, but charged late fees and reported to credit bureaus as late payments during the forbearance months. Facts : -Approved on XX/XX/XXXX to enter Forbearance for 3 months ( XX/XX/XXXX to XX/XX/XXXX ) -Called XX/XX/XXXX to get taken off forbearance as I was setting up a payment to settle deferred amounts from XXXX - XXXX -Made payment for the deferred amounts under forbearance on XX/XX/XXXX -Late fees charged for the 3 months in forbearance in early XX/XX/XXXX and reported to credit agencies as late even though under the CARES ACT, deferred payments made under the forbearance agreement can not be reported as late and affect credit Remediation taken with TD Bank : -Called Loss Mitigation Department ( XXXX XXXX ) on XXXXand spoke to XXXX and requested her to remove late fees and update credit information that the mortgage was not late -On XX/XX/XXXX received notice that credit score was impacted - TD bank reported to credit bureaus XXXX was late -On XX/XX/XXXX : 1 ) Called Loss Mitigation Department again ( XXXX ) to request removal of late payment remarks and removal of fees, but directed to the loan servicing department ( XXXX ) to remove fees and to submit this form to address credit report mistakes. 2 ) Sent by USPS certified mail to TD Bank to address late fees and remove late payment remarks to credit agencies. 3 ) Called loan servicing department ( XXXX ) and she submitted to payment research team to remove late fees and rescind negative late payment marks on credit bureaus -As of XX/XX/XXXX, TD bank removed late fees, but credit agencies have not been updated to remove late payment remarks on the account.
Company Response:
State: CA
Zip: 91607
Submitted Via: Web
Date Sent: 2020-09-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: TD Bank is claiming that I owed them interest and fees, although they ( 1 ) agreed not to charge interest and fees and even refunded {$2.00} that I had paid, ( 2 ) continued to amass fees after the account was closed and paid off, and ( 3 ) never informed me by mail or email or by automated checking account withdrawal that they felt that I still owed them anything. As thecfpb has already closed a related case, I am forced to file yet another complaint. I DO NOT, AND DID NOT, OWE THE {$3.00} THAT TD BANK CLAIMS THAT I OWED. I wrote XXXX XXXX with a few changes, as I found more documentation.I have asked Mr XXXX to contact me directly via phone, and to email me, which he has not done. USPS tracking shows that the letter ( addressed to Mr XXXX and marked " personal '' ) was picked up on Thursday XX/XX/XXXX. I am also asking that Mr XXXX give me the name and phone number and email address of his supervisor. I DO NOT, AND DID NOT, OWE THE {$3.00} THAT TD BANK CLAIMS THAT I OWED. Proof, which I sent Mr XXXX : 2 ) XX/XX/XXXX letter asking for a past-due amount of {$0.00} 4 ) XX/XX/XXXX letter from Mr XXXX, stating that TD Bank has not negatively reported my account to the credit bureaus, that my account has been closed, and that there is a balance of {$2.00} which they are refunding. 5 ) XX/XX/XXXX letter stating that there was a {$2.00} balance on my account that TD owed me ( sent with a check for the {$2.00} ) 7 ) Check I wrote to TD Bank on XX/XX/XXXX for {$6.00} which was cashed by them and shows up in my XXXX XXXX statement on XX/XX/XXXX 8 ) My XXXX XXXX statements for the periods ending XX/XX/XXXX and XX/XX/XXXX, showing no attempt by TD to withdraw the money I allegedly owed XXXX ) I'm also attaching my XXXX XXXX statement ending XX/XX/XXXX, showing that on XX/XX/XXXX TD tried to withdraw {$5.00} ( reversed on XX/XX/XXXX by XXXX XXXX ). Obviously, as of XX/XX/XXXX, I only owed TD Bank {$5.00}. Since TD cashed my check for {$6.00} on XX/XX/XXXX, TD owes me {$1.00} and I owe TD Bank nothing. I also sent Mr XXXX : XXXX ) XX/XX/XXXX letter from Mr XXXX, stating that the automated deductions from my XXXX account are from a " recurring payment that you authorized and set up on XX/XX/XXXX to be taken out of your XXXX XXXX checking account ending in XXXX to be applied to your TD Bank credit card ending in XXXX '' This is completely inaccurate, as the payments I authorized were from Ally Bank for a different account number 3 ) XX/XX/XXXX letter from Mr XXXX, FINALLY explaining that the TD credit card was the same as my XXXX credit card 6 ) My XXXX credit card statement ending XX/XX/XXXX, with a paragraph that 99 % of people would not read, mentioning that TD card I phoned TD XXXX on XX/XX/XXXX ( date is approximate ) and spoke with XXXX. She said she removed all the charges, Yet when I spoke with XXXX at that number on XX/XX/XXXX, she said that there was a balance of {$1.00} due. TD Bank is still charging me interest despite there being a {$0.00} balance and the account closed. As TD Bank cashed my check for {$6.00} when I only owed {$5.00}, never informed me that they feel that I owe them anything, and they did not try to withdraw it from my XXXX XXXX account, I did not and do not owe them anything. The first I heard of any amount that I allegedly owed TD Bank was when I got a copy of my credit report. I am asking again that TD Bank acknowledge that I did not and do not owe them anything, and to remove the XXXX mark on my credit record. Attached is the letter which I sent Mr XXXX, which gives the details. Also attached are documents 1-9, mentioned above.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Since XX/XX/2020 my TD Bank account has been frozen and my login credentials updated to lock me out of my account. When I called them and went to a branch manager the only thing I was told was that my account was sent to fraud for a fake account. I brought that exact check to a branch in XXXX pa and they refused to even look at it. I called the main td line to figure out why I cant even access my account. All they told me was somebody in td was looking into it with no name or number on file. I have since called them every week at least 3 times a week to no new information. Most of the time I call they hang up immediately after I give my account number XXXX
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2020-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: My account is set for automatic payment from my checking account. The XXXX XX/XX/2020 statement showed a XXXX balance because of a payment from my checking account of {$2.00} on XXXX XXXX. The checking account was closed because of fraud. With all the changes and challenges with COVID, I forget to update my information with you. I did not know the payment was returned until the XXXX bill. I immediately paid the bill. I had no idea the payment had been returned until the XXXX bill came. The XXXX statement closed on XXXX XXXX and had a XXXX XXXX payment due date. I made the payment on XXXX XXXX. However, I have 2 late entries on my credit report for the {$2.00} balance. If the {$32.00} was not due until XXXX XXXX ( as per statement ) and I paid on XXXX XXXX, why was I hit with another delinquency. I contacted Target Card Services and complained about after paying {$30.00} in fees on XXXX XXXX. They said there was nothing they could do about the fees or delinquent flag. I got a copy of my credit report in XXXX. I was unhappy to see two 30 day delinquent charges. I called and wrote letters. Nothing has happened.
Company Response:
State: CT
Zip: 069XX
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have contacted Nordstrom/TD Bank and XXXX numerous times via phone and written letters in regards to identity theft. This account has approximately XXXX charges that were unauthorized and used without my consent. I have sent a police report in regards to this matter as well as a identity theft report. This account is showing inaccurate information reporting on my credit deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws in the Metro 2 data field formatted reporting standards, therefore lawfully you must ERADICATE any and all adverse remarks. I have a notarized statement in regards to the identity theft that was sent XX/XX/2020 and additional information that included the police report and identity theft affidavit was sent certified XX/XX/2020. XXXX has not presented method of verification and I s reporting inaccurate information on my credit report.
Company Response:
State: TX
Zip: 75455
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX, I called TD Bank and spoke to XXXX ( call center badge ID number XXXX ) regarding the inaccurate reporting of my account to the CRA 's. XXXX indicated that htere was nothing she could do. I asked to escalate the matter to her supervisor, she indicated her supervisor did not take calls. I asked to escalate the issue to another supervisor and XXXX responded that she was the HIGHEST point of escalation and there was nothing further she could do. I attempted to correct the issue first through XXXX ; however, every time I filed a dispute the balance came back as confirmed at {$2000.00}, when the balance is actually {$1000.00}, a difference of ~ {$1000.00}. On, XX/XX/XXXX, I attempted to resolve the issue again, to no avail. I called TD Bank and was disconnected ( or hung up on ) after being on hold for over 30 minutes. As a result, I did not get an opportunity to speak to the dispute department as a result. TD Bank 's inaccurate reporting, combined with XXXX 's disregard for the issue has impacted my ability to secure financing for a new home purchase.
Company Response:
State: CA
Zip: 91350
Submitted Via: Web
Date Sent: 2020-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: In XX/XX/2020, I contacted TD bank to advise them of an issue I was having with XXXX XXXX XXXX. I had been overcharged by XXXX and was due a refund. I initially tried to work the issue out with XXXX and XXXX told me they issued the refund on their end and my bank should have received the funds back. I advised XXXX that my bank had not received the funds back and when I asked for details about the refund it was brought to my attention that XXXX refunded money to a card not associated with me or my rental in any way. I contacted TD and told them about XXXX XXXX error and made a debit card claim. I received a provisional credit and was sent a letter asking me to explain what happened in detail. I responded before the due date with a very detailed explanation of the situation, names of managers who I had spoken with, and also noted in the letter that I still had not received the refund. Towards the end of XXXX, i get a letter in the mail from TD stating no error occurred, this is not a satisfactory ruling. I believe that based on TDs ruling the dispute department did not do their due diligence in investigating my claim. Customer service at XXXX would have been able to provide TD with enough information for them to see my claim was valid. TD dispute department took the maximum amount of time possible to work my claim and then ruled inappropriately and took back the provisional credit which put my account into a negative status.
Company Response:
State: NY
Zip: 12020
Submitted Via: Web
Date Sent: 2020-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I placed an order for a workout machine by a company named XXXX / TD Retail Card Services back in XX/XX/2020. It just so happened that covid-19 hit so shipping of the item was never made. I spoke to customer service at least 30 times with waiting times of an average of 2 hrs per call. Everytime they told me that they did not know where the item was. So I told them that I wanted to cancel the entire order. Months of fighting with this company, they were finally able to locate the device that never made it to my destination. Months pass and looking at my credit report there was still a balance unpaid of {$490.00}. I again spent countless hours trying to get ahold of multiple departments each pointing the finger at one another without being able to get any resolution. They are stating that the {$490.00} remaining balance is due to a restocking fee. I fought and spoke to supervisors on the matter that the machine never made it to my house so why would I have to pay for a restocking fee. They are now refusing to take this charge off and its hurting my credit. I refuse to pay this exaggerated fee of an item that i never received and I cancelled. I made attempts to make disputes for each of my credit bureaus and because XXXX / TD Card Services are stating that its a valid charge they can not remove it. This is hurting my credit and I am also getting phone calls. Can someone please help me get this resolved? Company : TD Retail Card Services / XXXX XXXX I have an account # and other information to help me fights this.
Company Response:
State: FL
Zip: 33543
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-02
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: TD Bank is charging excessive overdraft fees to the point I can not catch up with the account and is causing me to not be able to pay bills and purchase groceries - most recently they have charged me overdraft fees for pending items that were on hold and was enough in the account to pay - I made a purchase which dud overdraw the account due to the items on hold that were deducted from my available balance!! I was charged one fee - then when the items that were on hold and deducted from my balance posted to the account they charged me an additional {$100.00} dollars in fees!!! How is this legal or justified? Those items were deducted from my available balance already! I am experiencing financial difficulty due to the current environment and they refuse to rebate any further fees - this current environment is nit changing any time soon. How us this ok? How am I to manage my finances when 100s of dollars are being taken from my account due fees!
Company Response:
State: RI
Zip: 02919
Submitted Via: Web
Date Sent: 2020-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-02
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I signed up for a TD account offering a {$300.00} bonus for direct deposit requirements being met. I opened the account through the " Get Promotional Offer '' link. I have attached a screenshot of the offer. I fulfilled all requirements for the bonus, including direst deposits from my employer. However, TD has not awarded the bonus. This is a bait and switch scam.
Company Response:
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2020-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A