Date Received: 2020-07-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had my account on auto draft for 71 payments. I did not know that the 72nd payment needed to be sent in by check. I received 0 calls, texts, emails, or mail about my last payment being late. I found out through my credit reporting. This showed me as being 30 days late on my last payment. I have 20 years of never missing a payment and now it is ruined. I disputed this and the company would not remedy the problem and left the late charge on my credit report. How am I supposed to remember that the late payment 6 years later was supposed to be by check?!?
Company Response:
State: NJ
Zip: 08080
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Over a month ago I called XXXX customer service to settle my account. A payment was recieve and said that the status of my account will change. To this day my account is still closed and derogatory with the same balance. No action has been taken and they are still reporting wrong information. I asked that this account gets deleted from my credit report.
Company Response:
State: MD
Zip: 20782
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-14
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am submitted another complaint as to my follow up of complaint # XXXX, dated XX/XX/20. This complaint was closed on XX/XX/20 and TD Bank still HAS NOT contacted me regarding my missing {$27000.00} that sent to a fraudulent account held at TD Bank. The letter that was sent to you from TD states they are investigating and would be in contact with us. No one has ever contacted us regarding our complaint and return of our money. There is no phone number listed on the letter sent to you for us to even contact anyone regarding this matter. Their response is not sufficient and does not provide the explanation we are requesting.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-14
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Hope all is well during this covid-19. Listen, i normally go to the store to pay the bill because i never receive statement, however, due to COVID-19 and the store being closed down, I was shocked when I reviewed my credit report and found late payment mark on XX/XX/2020 for 30 days late. 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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The monthly payment was made, and the bank argued that was not paid and they charged late fees It was automatic payment from my bank and is schedule for the last or first day of the month XXXX payment was made on XX/XX/XXXX, XXXX payment was made on XX/XX/2020, and XXXX payment was made on XX/XX/XXXX, They argue that the payment for XXXX was not done. They have charged late fees for 4 months The payments has been done with out delay
Company Response:
State: NY
Zip: 11377
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-14
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: As detailed in a previous CFPB complaint ( XXXX ), on XX/XX/XXXX I ordered a treadmill from XXXX, Order Number : XXXX, for {$3700.00}. The terms of purchase through NordicTrack 's financing partner, TD Retail Card Services, were " 0 % APR for 12 Months with Equal Payments. '' I proceeded to set up these automatic payments on XX/XX/XXXX, however : Despite ( 1 ) setting up 12 monthly payments on TD 's own payment portal, https : XXXX, and ( 2 ) receiving verification of the payment account ( Chase Checking Acct ending in XXXX ), and ( 3 ) that account having more than adequate funds to service the debt, TD 's system failed to draw the amount from the payment account, and instead started allocating NSF charges and rapacious interest. I was in fact confused by the entire process since I had also entered my XXXX card information on XXXX during the purchase process, about which an email was written by me to my assistant on XX/XX/XXXX. **She was subsequently assured by TD that everything was set up correctly. ** Due to COVID and the related business closures via Executive Order, I have been away from my office in XXXX XXXX XXXX until just a few days ago, when I became aware via mail that accumulated over the past three months, that TD has not been properly processing the payments -- which I not only set up correctly but there own online system validated upon my doing so. After calling TD to straighten this out today, Previously, TD was trying to collect nearly {$4000.00} from me despite claiming the principal is {$2800.00}, which resulted in CFPB complaint XXXX. That complaint was met with return correspondence from TD Bank on XX/XX/XXXX claiming that, **despite having paid the balance referenced above in full ( {$2800.00} ) on XX/XX/XXXX, ** proof of which is attached, that as of XX/XX/XXXX I still somehow owe {$910.00}. Further, in the same XX/XX/XXXX correspondence, in which TD asserts " an automatic monthly payment was successfully established on XX/XX/XXXX '' -- and despite providing ample evidence that this account was initially used to disburse a payment AND that the same account remained well-funded, TD not only references a faulty account number ( XXXX ), containing an extra digit -- but claims that the payments were rejected. This claim of the payments being rejected is completely contradicted by ( 1 ) previous proof of adequate balances in the payment account ; and ( 2 ) their claim of a " successful automatic monthly payment being established '' -- a fact that my records reflect as well, corroborated by the XX/XX/XXXX correspondence between my assistant and TD. There is nothing owed at this point. TD 's practices are not only illegal but morally unconscionable. I am fortunate to have adequate resources to litigate the matter if this means of remediation is ineffective, but feel awful for those customers of TD who can not afford to defend themselves from these abominable practices.
Company Response:
State: NY
Zip: 10022
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I own a XXXX XXXX in XXXX SC and my vendor is a XXXX based company so I felt that dealing with TD bank was a no brainer they also being XXXX based. Due to the Corona virus pandemic my company requested we pay with card as to not be passing checks to drivers or dealing with more mail than necessary and to offset them losing money to people not being able to pay due to the virus. On XX/XX/XXXX I paid them {$20000.00} and then on XXXX I paid another {$7900.00}. I was looking over my bank acct statement later and noticed these charges totaling {$850.00} ( {$610.00} and {$230.00} ), I XXXX the the payee ( XXXX XXXX XXXX ) and found that TD started charging in XXXX a 3 % fee for paying out of country. I tried to speak with the local branch in XXXX XXXX who only said it is a legitimate fee, I asked my bank in XXXX who spoke to someone higher who said nothing they could do, I called the customer service number and XXXX XXXX. No one seemed willing to discuss it or care to actually hear my complaint. I feel they took advantage of me during a time of crisis, I have always paid by check but was requested due to the virus not to send checks. If I go to a non TD atm I get a warning about a fee that will be charged, would it not be a good idea to say hey you are going to be charged {$850.00} if you make these payments? They say they sent out the information but I do all my communications through email as I am rarely at home and do very little mail service, so I can assure you I had not seen this charge announced or I would have never given up a weeks pay to send money to my vendor.
Company Response:
State: SC
Zip: 29588
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Dear CFPB official, I am writing to dispute the promotion for my TD Beyond Checking account. On XX/XX/XXXX, I opened a TD Beyond checking account at one local branch ( XXXX XXXX XXXX, XXXX, MA XXXX ). The representative who helped me open the account explicitly told me that I will be eligible for a {$300.00} bonus if I can make direct deposit totaling {$2500.00} or more within 60 days of account opening. He did not mention anything about online application. However, I have not received the bonus after I met all the requirements. I contacted TD Bank since XX/XX/XXXX about this issue and was told that the bonus is only for online application, which is inconsistent with what I was told when opening the account. After arguing with TD Bank multiple times, I was told on XX/XX/XXXX that my inquiry was forwarded to their Promotional Department Team for further review. I received the response today saying that the only promotions for accounts opened in the store was the Direct Mailer offer at the time of my account opening. Upon additional review, their records reflected that my address did receive a mailer, but it was not addressed to the signer who opened the account. Thus, my account does not qualify for their bonus. However, I have never heard about the Direct Mailer offer by TD Bank. When I opened the account, I was clearly notified that I would receive the {$300.00} bonus as long as I meet the direct deposit requirement. I have no idea whether/how the representative who helped me open the account assigned promotional code. No matter what the problem was, I am the victim of the mistake and I should have been provided with the bonus that TD Bank promised me. I look forward to your reply and a resolution to my dispute. Thank you for your assistance!
Company Response:
State: MA
Zip: 02135
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
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 have a TD bank Visa. On XX/XX/2020 I was charged XXXX for a purchase at XXXX XXXX - a coffee shop- at the XXXX XXXX. I was not at the airport that day and did not make any purchase at this establishment. TD bank insists that I did, but as of today ( XX/XX/2020 ) has not been able to tell me what I allegedly bought. This charge on my account is either fraud or a mistake in processing by TD bank. TD bank says that they conducted an investigation, but can not provide me with a receipt that details the {$160.00} charge. Additionally, they are charging me interest and late payment fees on the disputed charge.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was out of the country for 2 years, before i left the country i paid all my debit and i had enough money in my checking account just in case i forgot to pay some financial obligations, when i came back to the US i found out that TD credit card company is asking me to pay {$400.00} i asked then to show me the details about the charges but they fail to do so, then i found out that they transferred the debit to a collection agency
Company Response:
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2020-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A