Date Received: 2020-05-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Total loss on the vehicle XX/XX/XXXX. Process getting loan paid in full was completed on XX/XX/XXXX. The account has a {$610.00} overage because we kept making payments from the time of the accident to the closing of the account. TD Autofinance indicates overage are returned within 30 days of closing the account. As of today ( XXXX ) we have not received a refund. We have contacted TD Autofinance several times by email and phone ; they either promise to take care or just reply with some scripted answer that got nothing to do with the refund. On XX/XX/XXXX we spoke with them on the phone ; they said " your check was mailed already on XX/XX/XXXX, you should be about to get it ''. However, on XX/XX/XXXX they reply to an email sent prior to the call ; it indicated account was being sent to their cashier department for them to issue a payment.
Company Response:
State: FL
Zip: 33028
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/20, I received a notification from XXXX XXXX that my XXXX XXXX store card had been closed. It was a surprising coincidence as I attempted to use my card online on XX/XX/20 but it wouldnt process. I attempted to resolve the issues by phone but TD Bank, the servicing bank, could not provide me any answers. On XX/XX/20, I called TD bank again and the associate stated my card was closed due to inactivity. The associate then stated my card could have been closed since XXXX XXXX now services XXXX XXXX store cards. Again, I did not receive a definitive reason why my account was closed and I still have not received notice from TD Bank that my card would be closed.
Company Response:
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2020-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Ongoing problem with Target Credit Card and and TD Bank USA. I've had this payment set up on automatic payments for the last couple of years. The first problem occurred when they changed the minimum amount due and the payment fell slightly below the minimum. This time, the automatic payment failed to execute at XXXX XXXX 's BillPay for whatever reason. This credit account has been an ongoing problem due to a scam perpetrated by the creditor to collect additional fees by not properly applying credits to the account and changing the minimum due to be a moving target. Here is what they fraudulently charged me : XX/XX/XXXX {$38.00} XX/XX/XXXX {$38.00} XX/XX/XXXX {$28.00} XX/XX/XXXX {$28.00}
Company Response:
State: FL
Zip: 32566
Submitted Via: Web
Date Sent: 2020-05-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: This is a follow up to my complaint # XXXX that you closed. This complaint was not resolved and was closed. TD sent the attached response on your website. They stated they sent the consumer a letter. They never did. I read it on your website. Limited information was provided by TD Bank as to my complaint. The signed letter from XXXX XXXX, VP of Global Security & Investigations does not have and address or phone number on it. No contact information to follow up the investigation as to where my money is. The letter also noted a XXXX XXXX, Sr. Investigator was working on this. Again, no phone number or contact information. TD and XXXX XXXX seem to be keeping me out of the correspondence loop intentionally. I need answers from TD Bank. I want to know if they received the Hold Harmless/Indemnification form from XXXX XXXX as requested. I want to know why this was needed and what does this have to do in relation to my account. Is this to reverse funds back to my XXXX XXXX checking account from their customers fraudulent account?
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-07
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: Placed order XXXX with Nordstrom Rack for a total of {$110.00} for three pairs of shorts. Received one soft package with one pair of black shorts in it shipped from Nordstrom Rack location in XXXX, Florida. The packing slip claimed that three pairs of shorts should be enclosed ( picture attached ). On XX/XX/2020, attempted to contact Nordstrom Rack customer service, was number 308 in chat queue, when it became my turn, the chat was abruptly cancelled, called customer service, after on hold for 47 minutes, phone agent XXXX pretended not to hear me. Called Nordstrom card services on the same date, spoke to XXXX, reference number XXXX, disputed {$79.00}. I really have to do a lot of work to attempt to initiate/resolve such a minimal dispute that is no fault of my own.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This is not a duplicate. I received a letter from TD Bank dated XX/XX/2020 " We're writing today to let you know your TD Credit Card account is past due. '' As I don't have a credit card with TD Bank, I ignored the letter. I'm concerned that TD may have wrongly reported negative information to the credit bureaus.
Company Response:
State: PA
Zip: 17603
Submitted Via: Web
Date Sent: 2020-05-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Unauthorized card use, had PIN written on card, claims were denied due to me not maintaining the private PIN number, was further denied even after explaining that consumer negligence does not increase liability,
Company Response:
State: VA
Zip: 22401
Submitted Via: Web
Date Sent: 2020-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-06
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have a Target Credit Card and my credit limit is never increased when I make a payment only until I call and have them verify with the bank that the payment has gone through. I would completely agree with that, but currently I am waiting on payments to reflect to my credit availability going on seven working days. I have discussed this with Customer Service and they refer back to Target Credit Card Agreement which states " We may delay restoring your available Credit Limit in the amount of the payment to make sure we receive the funds. '' However, when I ask what process that is used to ensure my funds were received, they can not answer that question, but become insistent that we do a conference call to verify the payments.
Company Response:
State: TX
Zip: 78230
Submitted Via: Web
Date Sent: 2020-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Around three months ago I attempted to trade a vehicle. I backed out of this transaction, but not before the dealer paid off the loan. The account was closed for approximately three months, before being re-opened without any notification to myself. I had initiated this process, and was advised that I would be told when the account was returned to a normal state. Ever since I have been fighting the finance company to remove late fees and correct the balance so I can accurately settle the account. The information I give them never goes beyond the customer service rep I speak to, and written communications in their portal go for long periods without reply, and when they do finally reply there is again no action being taken. I don't know what else to do besides submit an official complaint, as my attempts to correct this with the company have gone nowhere for two months now.
Company Response:
State: VA
Zip: 20147
Submitted Via: Web
Date Sent: 2020-05-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/XXXX I purchased several items online from XXXX using my TD Cash Card. One of these items was on backorder and didn't ship until XX/XX/XXXX, which was posted on my XX/XX/XXXX statement. This was for {$9.00}. Since I was not using this card and since I had electronic statements I neglected to pay this amount on time. Once I realized this mistake I promptly paid this amount in full on XX/XX/XXXX. However there were late fees charged to the account so on XX/XX/XXXX I call TD Card Services and they agreed to waive a number of the late fees and we agreed that if I sent them an additional {$9.00} this would settle the account. Again, I have not used this card since XXXX, XXXX. I promptly sent them {$9.00} via electronic check which credited my account on XX/XX/XXXX. Today, XX/XX/XXXX I received a notice that my account balance is now {$130.00}, all late fees and interest in late fees.
Company Response:
State: NC
Zip: 27613
Submitted Via: Web
Date Sent: 2020-05-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A