Date Received: 2020-08-03
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I'm trying to get a state to state transfer of my vehicles title from TD Auto Finance. I purchased the car on XX/XX/2020 I was told that the process takes about 30 days. I followed up with emails and phone calls on XX/XX/XXXX, XXXX, XXXX. I was told that TD bank hasn't received the title yet from Arizona. I was later told that they had received it and they would fax it as well as mail a copy of it to me. I never received the fax, but I did get a Title and Registration Application in the mail. My title agent said she needs a certified copy of the title, not the registration application. She even spoke with them directly. My agent and I spoke with XXXX XXXX a TD bank customer service supervisor on XX/XX/2020. She assured us that she would mail a certified copy of the original title that day to my title company and to expect a 5-6 day delivery time. It never arrived. XX/XX/2020 I spoke with the finance department at XXXX XXXX, ( dealership where I purchased the vehicle ) to see if they could help me, they said they would contact TD bank the next day. I followed up with TD Auto Finance customer service on XX/XX/2020 and spoke with XXXX XXXX and he advised me that they still don't have a copy of the title and nothing was sent on XX/XX/XXXX. I called back today, XX/XX/XXXX, and was told that TD Auto just received the title this morning and will have it sent out in a couple of days and expect a 5-6 day delivery time once it is sent. I have my doubts that this will happen, but I remain hopeful. Meanwhile, my temporary tags have been expired for a couple of weeks and I can no longer drive my car legally because I can't register my car in Florida without a copy of the title. I have been more than patient and accomidating but I can't seem to get a straight answer from them. This really shouldn't be this difficult. I'm hoping this complaint will motivate them to resolve this issue.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-03
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: My wife and I purchased a XXXX XXXX new from a dealership in XX/XX/XXXX. On XX/XX/XXXX I mailed TD Auto Finance a check in the amount of {$37000.00} for payoff. On XX/XX/XXXX at XXXX XX/XX/XXXX the check was signed for by XXXX XXXX in their XXXX ME office. After 17 days of not receiving the title I called my bank who issued the check. I was told that the check had not cleared the bank. I then called TD Auto Bank and inquired why my pay off check had been processed. I was advised by TD Auto that they did not have the check. ( When you call TD Auto you speak to a representative that does not have contact with the XXXX ME Office ). I then contacted my bank again and was advised they could not do anything until 30 days had passed from the time TD Auto signed for it. At 31 days the check still had not cleared the bank and I still had not received my title. We had to also make the XXXX payment due to the pay off check not being processed. I called TD Auto again and asked to speak with a manager. The manager advised me he could see where the check was received and signed for at the corporate office, a copy of the check had been made and the check mailed back to my bank. I then contacted my bank who had not received the check at that time. At this point I gave it two with still no check being received by my bank. My wife and I both once again began calling TD Auto and requesting to speak with a manager. A manager finally contacted us back and advised us once again that the check had been mailed to our bank. We gave it two weeks again with the same results at the end -- still no check. This same process has repeated every 2-3 weeks since the end of XXXX. Each time we finally do get to speak with a manager we are told that the check has been returned to the bank. Each month since the start of this process we have also had to keep the monthly payments up to date. Three weeks ago I was able to track down a phone number to the TD Auto Finance Corporate office located at the physical address I had to mail the pay off check to in XXXX. Upon calling this number I was placed on hold for over 90 minutes and never was able to speak with someone. At this point I then again called the number on my monthly statement and asked to speak with a manager. A manager name XXXX called me back. XXXX was brought up to date and all issues since XXXX and he advised me he could see in my account notes where the pay off check was received, copied and mailed back to my bank. This manager then confirmed my banks mailing address with me -- which was correct. This manager then stated that this issue was " a TD Auto Finance mistake ''. At this time of the conversation I asked to be mailed a complete copy of all notes in their system regarding my account. I was advised that those were for inner departmental use only and that I could not have them or the notes pertaining to the pay off check issue. Each manager I spoke with advised me to just have another check made out for the payoff of {$37000.00} and send it back to them. They promised me that no one would cash the current pay off check ( that I am responsible for ) that they can not account for or has yet to today arrive at my bank. My bank has also advised me against sending a second check until the first one is either processed by TD Auto or is in my banks hands and secured. I feel as if I have made valiant attempts to pay off my vehicle loan with TD Auto in a timely manner. I also feel as if I have been very patient with them given they have lost a check of mine for {$37000.00}. I also feel as if they have had ample time to resolve this matter with me. It's as if the workers can not or do not correspond with corporate offices.
Company Response:
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-02
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: They dont have the right information or cant recognize, I answered questions correctly and want me to go into a store to add my bank card to XXXX XXXX!
Company Response:
State: PA
Zip: 19130
Submitted Via: Web
Date Sent: 2020-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received an email and letter on XX/XX/2020 stating XXXX XXXX virtual card account had been opened in my name. I had not opened any such account. I called their partner bank ( TD Bank, NA ) to attempt report the fraudulent account, but unfortunately, they have transferred and waited on hold for over an hour. Disconnected and tried again the next day with same result. The TD Bank service rep states they need to transfer me to the Retail Account services and then no one answers the call. I am currently on hold a 3rd time and have been waiting for 1 hour and 7 minutes ( so far ). I am highly frustrated that I can not even talk to an individual at the bank to inform them of a fraudulent account opening. I am not sure how else resolve the issue, so filing a formal complaint with the CFPB.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have a loan with NORDSTROMTD and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and XXXX NORDSTROMTD and XXXX. with no successful resolution. There was definitely an error on their part.
Company Response:
State: TX
Zip: 77379
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have a loan with XXXX XXXX XXXX, NORDSTM/TD, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, NORDSTM/TD, and XXXXXXXX XXXX with no successful resolution. There was definitely an error on their part.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have a loan with TARGET/TD, XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, TARGET/TD, XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-31
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I opened A new TD beyond checking account in XX/XX/XXXX on-line. I Received a post card in mail to apply.I had a direct deposit XX/XX/XXXX XXXX and XX/XX/XXXX from my employer into my account ( Met the requirements to receive {$300.00} bonus ). NO bonus posted!!! I have tried to call theTD bank at least 3 times : the last call was on these dates XX/XX/XXXX. I spoke to numerous different representatives/ supervisors regarding this concern, i WAS TOLD TO WAIT max UNTILL 140 days from the date I open the account to receive a bonus since all the requirement to meet the bonus was met. the last representative doesn't know why the bonus was not issued. Below is the terms *Offer valid XX/XX/XXXX thru XX/XX/XXXX and is available only to the person addressed in this mailer. {$300.00} bonus offer available to eligible new personal checking customers when opening a TD beyond checking account with cumulative ****direct deposit funds of {$2500.00} or more into the new checking account within ****60 days of account opening. once he criterion is met, the bonus will be credited to new personal checking no later than ****140 days from account opening.
Company Response:
State: NY
Zip: 11101
Submitted Via: Web
Date Sent: 2020-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-31
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/2020 I received information via my credit monitoring service that he credit limit on my Target RedCard was reduced from {$1300.00} to {$500.00}. Since I normally only use this card a few times a year and always pay the statement balance immediately upon receipt I was concerned and contacted RedCard 's customer service to find out why. I was told that my credit line was reduced due to inactivity for " several '' months, which is not a policy I was ever made aware of previously. Had I known or received any prior notice that this action was pending if the card was not used by a certain date I certainly would have made an immediate purchase with the card simply to protect my credit rating from the damage of a negative action. When I expressed this I was told that " any changes to a customer 's credit line are listed on the monthly billing statement '', which obviously is after-the-fact and does not give the customer an opportunity to take action to prevent the action. I have plenty of credit cards and can easily survive without my Target RedCard, but I feel that it is unacceptable for financial institution to take unwarranted actions like this that damage a person 's credit rating, and especially at a time when the XXXX pandemic has put our financial security in a particularly precarious position. At a very minimum they should be required to provide customers a prior notice to pending actions so that they have the opportunity to remedy the situation if they are able.
Company Response:
State: AZ
Zip: 85140
Submitted Via: Web
Date Sent: 2020-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have a loan with NORDSTROM/TD BANK USA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NORDSTROM/TD BANK USA with no successful resolution. There was definitely an error on their part.
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A