Date Received: 2020-08-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I moved out of XXXX XXXX XXXX XXXX XXXX XXXX Florida on XX/XX/2020. I have tried twice to change my address to my new address but both requests were denied citing I have to provide a request in writing to manage my account. Its the end of the month and this error could be the reason of fraud. I shouldnt have to send a letter when I move. Thats absurd when I have a XXXX XXXX and its imperative the correct address is reflected when Im trying to conduct XXXX
Company Response:
State: FL
Zip: 32303
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I requested TD to removed the forbearance status of my mortgage loan. I brought my account up to date on middle of XXXX. Account was placed in forbearance status because the hardship I was facing becase of Covid-19. On same day XX/XX/XXXX, I was informed by a TD Bank representative the account would be removed from the forbearance status after I make the first payment on XXXX. I did it. Arbitrarily TD Bank place my account in forbearance until XX/XX/XXXX. Let 's be clear the account is up to date. I decide to reach out to XXXX XXXX since they are the ones who has the mortgage. I was assigned a case number and they are escalating the case to XXXX because TD Bank can not refuse to remove the forbearance of my account, when I am up to date with my payments. Account was placed in Forbearance on XXXX paid in full on middle of XXXX. On XX/XX/XXXX request was made to be removed from the forbearance status. Still, TD Bank is refusing to change the status. I have emails to prove it, but I couldn't up loaded because of the size allowed.
Company Response:
State: NY
Zip: 11563
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-25
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/2020 we paid the agreed amount to satisfy two loans with TD Bank. I continue to this day to receive a statements from them claiming I owe them {$19.00} on one loan and that the other is still open. I have the satisfaction letters that demonstrate they have been recorded in our county registry as satisfied. We have a letter from the collateral dept stating the same. I have phoned them on four occasions to discuss this matter. Each time I get bounced around to different departments, left on hold indefinitely, and in the end, nothing is resolved. I don't receive any call backs or action taken to resolve the matter.
Company Response:
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hi there, I just checked my credit score on XXXX. My credit score was XXXX points and my new updated score is fall by 55 points as XXXX points now. I am good with pay off my credit card on time. I never miss any payment. When I checked details of credit report.And, I got to know that someone pulled my credit report without knowing me. The company name is TD auto finance. Please help me to get my credit score back. It is supposed to go higher this period. But it falls below 55 points.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, I paid for a good that was never delivered. I found out the good would never be delivered a day after paying for it as the seller stopped responding to me and showed upon further research on a list of known bad actors. On XX/XX/XXXX I alerted my bank ( TD Bank ) to file a dispute. They started a claims process, and credited my account provisionally. This claim was ultimately reversed on XX/XX/XXXX, 62 days after the charge was made. I called the bank several times over the next few months to get insight into what happened. In one conversation, the agent made clear that the charge had been erroneously flagged as fraud, rather than as a dispute for goods undelivered. She suggested I file a police report and fax my statement and relevant information to the bank 's claims department, which I did on XX/XX/XXXX. I heard nothing, but assumed another few months time may be warranted, given the last review took 62 days of silence and waiting. On XX/XX/XXXX, after giving the bank ample time, I called again. The fax had not been reviewed, and a new corrected claim had not been opened. I had to speak to yet another agent, who resubmitted the claim, presumably correctly, then fax the forms again. I was re-credited on XX/XX/XXXX. I was then later asked for further information, which I provided in detail on XX/XX/XXXX. This suggests that content, not timing was the issue. On XX/XX/XXXX, I received a letter stating that " The customer must notify the bank of an error, orally or in writing, no later than 60 days after we send the periodic statement. '' I notified the bank far sooner than 60 days after receiving a statement, I notified them 3 days after the charge in question. Moreover, I could not have notified them that the dispute had been mishandled within 60 days of the charge in question, as the rejection of the claim was submitted to me 62 days after the charge was made. Upon speaking with an agent on XX/XX/XXXX, his admission was, 'The only reason that we weren't able to credit you is the 60 day window elapsed. ' I could not have observed the 60 day window if I wanted to, due to the flawed dispute handling and laggardly behavior of the bank. By no account is TD Bank upholding their own rules, nor are they acting in a timely manner or in good faith. I would like my money back, and for my time to not be wasted.
Company Response:
State: PA
Zip: 19103
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I was in the process of refinancing my mortgage with a new lender and my HELOC with TD Bank required that we fill out some paperwork so that they can file a subordination document. To our surprise, they would take 30 days according to an email to let us know if we filed the proper documentation. They got back to us after 30 days and at this time the rate lock with my new lender expired and the new lender wanted like {$1000.00} to extend their rate lock which I refuse to pay. TD Bank now is asking for more paperwork because of all things the new lenders information is now expired. They refuse to rectify the situation and now they will not refund my {$200.00} that I paid them to perform the subordination as they say its not refundable when in fact they haven't even done anything but look at the paperwork. This is a sham that should not be allowed to continue. TD apparently has not provided their employees that are working from home any method of communicating with its customers other than email exchanges. No telephones were provided to solve these issues which continuously extends and frustrates the process of trying to deal with the issue. I have personal knowledge of preparing a subordination from a prior work experience and they not treating customers fairly or properly.
Company Response:
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: TD Bank is horrible! I have a mortgage with TD Bank that I have been trying to refinance but they do not give or the refinance company the requested info i.e. 12 month pymt history and the pay off letter. I have been asking for it at least 3 times by phone and through online inquiry service. I need to refinance to get my rate lower, get rid of the mortgage insurance, and get funds to get needed work done on my house. They are going to cause me to lose my low rate and miss the closing date. Please help me! This is my 2nd complaint to CFPB about TD Bank. I did get a resolution on the 1st complaint of them putting me in forbearance on my credit report without telling me and not removing it when i asked and they agreed to remove 3 times. In my 45 yrs of banking I have never dealt with such an incompetent and non responsive bank.
Company Response:
State: NJ
Zip: 07104
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2020, TD Bank withdrew {$1100.00} from my checking account ending in XXXX. The amount was withdrawn due to a TD Bank error from their billpay system. TD Bank on its own issued a check to a vendor which I did not request and took the money from my account. When I called TD Bank, TD Bank stated that it would take 3-5 business days to review and their was no guarantee that I would have the funds returned to my account.
Company Response:
State: NH
Zip: 03079
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-25
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: XX/XX/20 I went into XXXX XXXXXXXX XXXX at approx. XXXX. I was going to purchase a 6 pack of beer, upon inserting my debit card in the machine, it said approved and to remove the card. I did, the cashier as well and other gentleman at other register ( I believe either manager or owner ) claimed the card did not go through and to reinsert my card I did with the same results.The two gentlemen told me I needed to put my car in again, because they could see it did not go through. I refused and told them I would be checking with my bank, I left the store making no purchase or leaving with any goods. cameras in store could verify that fact. I didn't have my telephone on me at that moment, so as soon as I did I checked my account and both transactions were pending, I called TD Bank immediately, I was told to wait until next day to file a complaint to make sure transactions go through, they did and I called the bank to file complaint. TD bank sent me a letter informing me that I needed to provide a receipt for transaction which I never received anything, because other than them taking my money there was no transaction. I was told to rewrite complaint and fax to fraud dept. I did and received letter in mail saying there was no processing error and they were taking money from my account.
Company Response:
State: MA
Zip: 01801
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a credit card with TD Bank USA / Target Stores. TD Bank / Target is reporting this as a Charge Off in XXXX. I have letters and statements from them stating that it had a XXXX balance as late as XXXX!!! How can it be late or have a XXXX Off if it has a XXXX balance? Target and TD Bank have refused to correct this error. I have disputed it numerous times. But Target and TD Bank have refused to correct the error. I am attaching a letter with a copy of the statement showing a XXXX balance sent by Target / TD Bank date XXXX. This should serve as proof of the mistake by them.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A