Date Received: 2020-04-27
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: My autopay was returned one-time back in XXXX 2019, I did not realized this. And TD charged me late fee every month without giving me any notice. When I realized the fee charges at XX/XX/2019, I paid the whole balance with total late fee of {$310.00} ( seven late fees ). I contacted TD auto finance at XX/XX/2019 trying reduce late fee. Since I did not realized the returned payment and TD never notify me or retry to charge the monthly payment before charging me late fees.
Company Response:
State: CA
Zip: 92507
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: In XXXX of XXXX I obtained a loan from TD Auto Finance ( account number XXXX ). When I received my first billing statement I noted that my last name was misspelled on the satetement. I reached out to TD Auto Finance right away and requested a change. They responded asking for a copy of my DL which I provided. The name was not corrected. In XXXX of XXXX, I paid off a loan and received the title to the car. The last name and address were incorrect on the title. I reached to TD Auto Finance 3 times until they finally responded a couple of weeks later telling me to go to DVM to correct the issue. Given that this is a problem with TD Auto Finance and how they keep their records, I would like the to fix the title and re-issue a new one.
Company Response:
State: IL
Zip: 60611
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I keep getting told that I have to talk to corporate. Corporate customer service is terrible. I was supposed to be contacted in seven to ten banking days and its been over twenty five days still no contact. They are saying that I owe them money and I say that the statute of limitations is over eight years. They stated I made a payment in 2005, which I never did. The bank had a class action lawsuit that paid me {$160.00}. They are ruining my credit report.
Company Response:
State: CT
Zip: 06111
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XX/XX/XXXX/XX/XX/XXXX I did a loan modification for a XXXX XXXX that had been transferred to TD Bank. I was pressured into accepting these terms in order to not lose my house. The terms I signed do not match the amount I am being charged. They show {$15000.00} in outstanding balance and my paper work shows {$3400.00}. I would like relief for the amount of charges and accrued interest they are charging me. Accrued interest on the modification says {$34000.00} on my account but the paperwork I signed says {$33000.00}. Since TD Bank has taken over this loan I have always had to be transferred or wait for someone to call me because my loan is in a different system. I cant access it online. Cant talk to people in the Bank. Customer service because it was a XXXX XXXX is horrible. I should be able to call and get help with my account and not have to wait 3 to 5 days for someone to call me back.
Company Response:
State: FL
Zip: 32763
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-26
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 not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Company Response:
State: NV
Zip: 89074
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/20, I discovered 2 suspicious pending transactions that occurred on XX/XX/20 & XX/XX/20 on my Target MasterCard & another transaction that went through from same vendor, XXXX XXXX XXXX on XX/XX/20 for around {$68.00}. I called Target XXXX customer service and spoke to XXXX ; therefore, my account was closed and I was issued a new card. The pending transactions did not go through and I was refunded the {$68.00}. However, I was waiting for a refund from XXXX for XXXX. I checked my XXXX account on XX/XX/20 and the refund was issued into XXXX store credit. I spoke to XXXX on XX/XX/20 and told him that I would like the refund back on my Target MasterCard. I spoke to XXXX from Target on XX/XX/20 and I was told that it would take 3-5 business days to show on my new Target MasterCard. However, this did not happen and I have been calling back and forth from XXXX to Target. XXXX from XXXX emailed me on XX/XX/20 that the refund has already been issued back on my card but Target has not posted it yet on my new MasterCard account. I was told by XXXX from Target on XX/XX/20 that it is showing on the old account on XX/XX/20. Then he transferred me to speak to XXXX who told me that I would have to wait 60 to 90 days for my refund because my old account is under fraud investigation. This does not make any sense why my refund needs to be under investigation. I feel that Target is ignoring me and making excuses not to give me back my refund. I also feel that I am have been taken advantage of. My experience with Target XXXX is awful and I am not getting anywhere talking to them. I still have not received my refund. Please help me get my refund back and resolve this problem with Target as soon as possible. Thank you for your time and consideration.
Company Response:
State: CA
Zip: 95829
Submitted Via: Web
Date Sent: 2020-04-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-25
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: This complain is in regard to XXXX XXXX through TD Retail Card. On XX/XX/2019 i Trade-In my old XXXX phone for a new XXXX XXXX XXXX. I bought it for {$590.00}. On XX/XX/2019 i received another offer to Trade-In my phone for XXXX XXXX XXXX. I Trade-In my phone with transaction ID ( XXXX ) successfully. The price of XXXX XXXX XXXX at a time was {$940.00}. In the offer that I received through XXXX web site that luckily i did get a print out because later they deleted such information from my page at XXXX web site indicated that upon successful Trade-In eligibility i would receive a sum of {$800.00} discount toward this Trade-In. On ( XX/XX/2019 ) my balance on my phone was {$390.00} The Payment summary indicated that i have to pay {$580.00} for XXXX XXXX after Trade-In, which means i had to pay {$180.00} on top of my balance and i accepted the offer. However, next billing statement i saw that not only i had to pay {$390.00} but also I had to pay {$580.00} or total of {$970.00} which was more than New XXXX XXXX. They did throw in a promotion for online music services that anybody could get without any purchase for 3 months any way. The only thing that had monetary value was the ear buds that they included as a bundle. I have called XXXX support team several time and my written dispute was rejected.
Company Response:
State: AZ
Zip: 85209
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-25
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Dear CFPB I have been waiting for unemployment since XX/XX/XXXX. I have been having to borrow funds from several different people to make ends meet. I finally get my unemployment check and bank is charging me {$70.00} in fees. I ask them to return but they didn't
Company Response:
State: NY
Zip: 11358
Submitted Via: Web
Date Sent: 2020-04-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Twice the charge of {$20.00} has been charged to the account as a returned automated account fee. There has been a dispute that the account had never been set up for an automated account. The option online was not even enabled. The account was NEVER set up as an online automatic payment. A challenge was made to inquire if the account was hacked. Also, on today 's phone call, it took 7 representatives to get with someone from what is to be Escalated Complaints. Regardless of a warm transfer or cold, the account was re verified. They also stated that a Power Of Attorney was needed in order to speak with someone over the phone. This was refuted. They verified the account 7 times to allow authorization to a third party. Any other person without knowledge, would have just taken their word that a Power Of Attorney is needed. The Customer Service counter at XXXX on XXXX was completely closed and refused to take any payments. Please request all records. Please request all transaction history and customer calls. A called was made when the account was first open to attempt to make payments on line. This was not made. Physically, the payment had to be made in the store. It is my belief that XXXX charges incorrect illegal fees. I request that a full investigation is made on their practices and fees in order to determine how many people have been charged returned fees for incorrect banking information. The option to make a Payment online is not always enabled. It is enabled and disabled at their discretion. It will not even reflect as an option. It is my belief that XXXX misrepresents the payment options available. Please keep in mind, this account was never delinquent. This account had the balance paid in full. There was never any interest charged. The only fee they have been able to collect is this, not once but twice. The last representative stated that the Payment option is " disabled '' aka completely disappears from the website when there is an issue with the payment. This also means that anyone who is under the belief that they are set up on automatic payments would go into default. No Notice is sent as to the situation. There was no XXXX Statement.
Company Response:
State: FL
Zip: 33547
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: There was an account opened up with TD Bank online that used my information. There was no identification shown.
Company Response:
State: PA
Zip: 19038
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A