Date Received: 2020-06-04
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Applied for a loan with TD Bank. Submitted necessary application received been Conditional Approval on XX/XX/20. Uploaded all documents necessary for final approval. Received documents in mail to review. Initial rate on 7/1 ARM was 3.25 % on Loan Estimate. As part of the loan documents, I received a Rate Lock Agreement. This Agreement included a Standard Rate Lock for a period of 90 days. The Agreement included a Float Down Option which allowed a one time adjustment if the " current Bank advertised rate was 0.25 % lower than my current locked interest rate '' ( 3.25 % ). The Early Arm Disclosure Statement stated The Index is LIBOR12M. The Loan Estimate also included an AIR Table specifying the Index + Margin as LIBOR12M+2.25 %. During this process the Index moved lower and I requested the one-time Float Down on XX/XX/20.On XX/XX/20, I received an email stating ; " There is no float down available for this application today. The market is not a full .25 % lower '' after my contact stated she reached out to her " pricing department ''. Correspondence back from lender stated that the bank uses the SOFR index to set the Float Down rate. Numerous email correspondence and unanswered telephone messages requested clarification on the index and continued request for a Float Down. On XX/XX/20, I notified the bank that : " If do not hear from someone from your bank regarding the index question ( SOFR vs LIBOR ) by XXXX XXXX today, I will be reporting this issue to the FDIC and Office of Financial Regulation ( OFR ) for their review. ''
Company Response:
State: FL
Zip: 33908
Submitted Via: Web
Date Sent: 2020-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-04
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2020 a transfer for XXXX was executed from my td bank acc. Thru XXXX the app. When i got aware of it i contacted customer service and informed them about the situation. They took all the inf. And told me that they were going to transfer my call the the fraud department and after 1 hour the call got hang off. This was on XX/XX/XXXX. I called the next day and explained the operator what had happened and he told me that he saw the notes and that by monday XX/XX/XXXX the money should be in the account. Today wednesday XX/XX/XXXX i called again to td bank and they transfer me to the fraud department and now they are telling me that they concluded that the transaction was made from my phone and they cant do nothing about it. Now im a 100 % sure i didnt sent the money. I dont know the person the money was sent to. Even know the person has the same last name i dont have a family or relative named like that. They know where the money went. They can contact that institution and make the person receiving the money responsable for the scam but td bank decided to turn their back. The amount was XXXX dollars. I dont understand how in this era banks are not able to stop scams like this. For me it will be easy to the bank to identify the recipient of the money because for anyone who has a XXXX account you need a bank acc. You need to submit your mame and social security so i think that for any bank will be easy to stop this type of scams and make people responsible for their crimes.i dont make td bank responsible for this but i think that they should give more protection to their customers and make companies like XXXX be more helpful against frauds
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2020-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-04
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/XXXX and XX/XX/XXXX I was charged {$35.00} over draft fees for purchases that havent received XXXX to my account, deposits were made before the transactions posted to my account and I was charged {$35.00} each day bringing my account to a negative status. I called customer service and was told nothing could be done. How can I be charged a. Overdraft fee for transactions that never posted to my account.
Company Response:
State: CT
Zip: 06610
Submitted Via: Web
Date Sent: 2020-06-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-03
Issue: Struggling to pay your bill
Subissue: Problem lowering your monthly payments
Consumer Complaint: While I was paying my bill I got laid off from my job. I called the company asking for what I can do to lower payments or what do they do for someone who lost their job. I was told that their wasn't a program available during that time. I call someone else after and they told me that they do have programs available, but the program that was offered I could not do. While I was about the finished the call the person said a really cruel remark to me and hung up.
Company Response:
State: MD
Zip: 20782
Submitted Via: Web
Date Sent: 2020-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-03
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2020 I received two letters from TD Bank stating my accounts with them were dormant. The letters directed me to call them or to go to a branch in order to receive the money on my accounts. I live hours away from the nearest branch. Upon calling the bank, I was placed on a 29-minute hold. The telephone representative was unable to provide me access to my money, even after accessing my credit file and asking me verification questions. She told me the bank could not grant me access to my money, and the bank would not mail a check to me. I asked her if I would need to file a complaint with the government in order for me to receive my money. She didn't seem to care. It appears, in cases such as mine, this bank 's policy is to hold its customers ' money unlawfully. This is outrageous!
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2020-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response:
State: MA
Zip: 02124
Submitted Via: Web
Date Sent: 2020-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XXXX XXXX I mailed out a 0 % interest check from XXXX XXXX XXXX to TD Bank in the amount of {$9000.00} to be applied to our equity loan to help pay it down at a lower interest rate. When I received my statement from TD Bank the {$9000.00} had not been deducted from the balance. So I called them to ask why and they said They never received it. I then went to XXXX XXXX XXXX in my home town of XXXX Ma and they were able to fax me over a copy of the check front and back. The check was made out to TD Bank and had my account # on it. On the back of the check it was signed by XXXX XXXX. I spell my name with a phen not ven and the check was made out to TD Bank, no one but TD Bank should have been allowed to cash it. There seems to be no paper trail of any kind. The information on the back of the check looks like it was smeared and can not read it at all, but the signature XXXX XXXX is very clear. I am XXXX XXXX but that is not my signature. XXXX XXXX XXXX opened a fraud case on XX/XX/XXXX and closed it on XX/XX/XXXX saying " Based on your account history, this charge is consistent with previous charges with this merchant. '' I went right down XXXX XXXX XXXXXXXX and they called their fraud dept and explained and they reopened the fraud case. On XXXX XXXX I received a notice they were closing the case. now I am responsible for paying the TD Bank loan for {$9000.00} as well as {$9000.00} to XXXX XXXX XXXX. I Then Called XXXX XXXX XXXXXXXX and spoke to a representative who help me to take advantage of their 0 % interest check the only difference this time is they sent it out to TD Bank. I gave them the account # and address and I was very worried about doing this but that's why I had them send it out they sent it out on XX/XX/XXXX and TD Bank still hadn't received it on XX/XX/XXXX so they set up another fraud case to investigate. It was finally Cashed on XX/XX/XXXX and XXXX XXXX got TD Bank to remove the charge off of my TD Bank equity loan but XXXX XXXX sent me out a letter XXXX! XXXX asking me to contact TD Bank to set up a payment research case and to provide to them the proof of payment to assist in their research. I Truly believe someone from TD Bank is doing this. What is the likelihood of two checks going it to fraud and no one can figure out where the {$9000.00} dollars went. and no one but TD Bank should have been able to cash that check. Someone from the inside who knows the system must be responsible. Please help me I have been trying to get help and no one seems to be able to.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-02
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 been calling and submitting disputes because I have paid off two accounts. Target paid in Full on XX/XX/ and got a letter as proof only because I requested one. I settled with XXXX XXXX which was charged off but I agreed and paid the settlement amount on XX/XX/XXXX th. Both companies have not updated my credit file. It has been more than two months. Please advice me and help me with this issue.
Company Response:
State: MD
Zip: 20876
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-02
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: A fraudulent purchase was made on my Target XXXX. Someone posing as XXXX got access to our computer.The phone number was the XXXX #. The man calling had an XXXX accent, just like many of the tech 's at XXXX, and you could hear other operators in the background.They said there was something wrong with the wi.fi and security with it. I don't understand all things about a computer. They wanted the wi-fi password. I do not know it to this day. They said the computer was compromised.Target happened to be sending on-line credit card statements to me even though I have always wanted paper statements only.The hacker asked for passwords to that acct. and a couple others. I didn't know the passwords.They said it didn't matter, it would just take longer and be harder to get access. The man was reciting e-mails to me and the screens were flying by. I was getting scared and angry.I called my sons and they said to shut down the computer. The hackers had control and I couldn't scroll or do anything. My son said to unplug it, so I did. During that time they bought a {$200.00} gift card.I don't like to pay bills on-line or do on-line banking. Only in an emergency, like when I had XXXX and couldn't get around.. At the time I didn't know the security protection had lapsed. Mainly the malware protection.I called Target and other institutions immediately and had acct.s frozen. Target was the one to tell me to call the 3 credit bureaus, which I did. The next day the man called, my son answered the phone and the man said his name was XXXX.He told my son he wanted to talk to me because he wasn't finished. My son hung up. We got a few more calls from XXXX. I did call XXXX on the XXXX and they said they did not call us, and didn't offer any advice or help.
Company Response:
State: MI
Zip: 48141
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have personally attempted to work with TD Retail Card Services, XXXX XXXX XXXX, XXXX, XXXX and also XXXX. I have continued to file disputes regarding a account reporting to my credit report at all agencies. XXXX deleted the information as their investigation determined the information could not be verified. XXXX and XXXX has continued to report this deleted information that XXXX found as inaccurate or fraud. I have contacted TD via phone, Email and via their own dispute process but have been unsuccessful. After talking with TD they also state they have no account for me. TD says I would need to get XXXX and XXXX to delete the info. The credit reporting agencies say it is verified and the responsibility of TD to update the information if inaccurate. PLEASE HELP!
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A