Date Received: 2019-12-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I availed of a 60-month auto finance loan from TD Auto Finance (TDAF). The last payment was due XX/XX/XXXX. I had paid 59 payments for the vehicle on time, via an automatic online payment system, with each payment close to $3000, ON TIME EVERYTIME. I was NEVER LATE.I received a letter from TDAF datedXX/XX/XXXX advising me to 'watch your mail for a separate invoice from TDAF. You can send it your payment to the address on the remittance slip that is included with the invoice'. (See attached image, with higlights). I waited for the invoice which I never received. When I was contacted in late XXXX/early XXXX by TDAF, I mentioned to the caller that I did not get the invoice as promised in the email. I then settled all outstanding amounts in the same call using my credit card immediately.In late XXXX/early XXXX I learned of the adverse reporting by TDAF to the credit agencies affecting my credit score. I contacted XXXX and explained the situation to them. They advised me to contact TDAF. I sent in all the paperwork to TDAF in earlyXX/XX/XXXX explaining the entire sequence of events. I contacted them on XX/XX/XXXX, and was informed that the dispute resolution response had been mailed to me. Having received NOTHING in the mail, I contacted them again on XX/XX/XXXX to learn that their Dispute Resolution team was unwilling to change their reporting to the credit agencies. I explained that I disagree strongly with their conclusion, and I have no recourse but to escalate the process.
Company Response:
State: NJ
Zip: 07010
Submitted Via: Web
Date Sent: 2019-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The Target Card that shows delinquent on my credit report has been disputed with Target, as my deceased mother was the card holder. I provided my mother 's death certificate, she died XX/XX/XXXX, I later found out it was a {$20.00} outstanding credit card balance. I emailed and faxed Target and no resolution. I also disputed through the ( 3 ) credit agencies. In XX/XX/XXXX after resolving all my mother affairs. Email below. I also, have fax confirmations at home in files. I request this be deleted off my report or showed as paid on time. From : XXXX Date : XX/XX/XXXX at XXXX XXXX PST To : XXXX Subject : Death of Credit Holder and Process for Closing Accounts Hello- It is very unfortunate that I am now angrily typing this email after spending 40 mins of my lunch hour on the phone with Card Services for the 3rd time in the past few months. I have spent 3 separate days and hours trying to resolve a simple request. Please email me your policy for the subject line in this email. Once I receive this I will send you my complaint and all pertinent information. I only asked that my mothers account be closed after her untimely death on XX/XX/XXXX. I then called and asked that I be removed today since Target continues to report derogatory missed payments to the three credit agencies. I spent 40 mins on the call with a person who could not understand my request, she continued to say she was getting her supervisor per my request and never did, as I have both names. As I also partly recorded the call. I asked what was the balance because I recall paying the balance in full myself after my mother 's passing. It was only {$20.00} which she stated I was responsible for, though I am not because I am not executor of her estate as she had none and I conveyed this when account was closed. Also, I know my rights, as I work in Contracts. When I closed the account, Target was the only creditor of hers who never asked for me to fax a death certificate. Now, she is requesting one today and telling me my credit reporting can not be reported correctly because they never received a death certificate, then why was the account closed under my moms name? Please send me the policy. I will follow-up with names, Death Certificate, Proof of missed payment credit reporting, etc. Sincerely, a customer not satisfied.
Company Response:
State: GA
Zip: 31324
Submitted Via: Web
Date Sent: 2019-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-16
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Today I went to the TD Bank and tried to solve the problem with my business checking account and I called my banker XXXX XXXX, he was not on the desk and I had to run to the branch office in XXXX XXXX. New York. After I spoke to the Sales and Service Manager, XXXX XXXX XXXX, she re-opened my checking account and I deposited {$500.00} and paid {$95.00} for the penalty of lack of funds. The issue was caused by MrXXXX XXXX XXXX XXXX lack of knowledge to open the business checking account for me. 1. XXXX XXXX didn't set up the security code for me when I opened my business bank account when I noticed the overdraft fees, I tried to call the customer service and I misunderstood the questions and provided my ATM pin code, therefore they locked my account for two weeks that ruined my online business, I can not accept online payments. 2. XXXX XXXX is very hard to reach, he alway not on his desk, when I called him, he is not on the branch, when I go to the branch trying to find him, he is not there, I don't know if he only works as a part-time, I've never been help from him. 3. XXXX XXXX never answered my phone and solve my problems, he always wants me to come to his branch office and talk to the manager, and when I made my trip to there, he always not there. 4. When my account was locked, XXXX XXXX didn't know how to retrieve my account and made me lost another two weeks just trying to retrieve my account. 5. The customer service phone numbers are very hard to get through, and XXXX XXXX didn't tell me to set up a phone pin, whenever I call the customer service phone numbers, it's taking me at least 40 minutes to talk to the right person who can handle my issues. 6. The design of the mobile app is terrible, I can't see my transactions clearly and I don't know I was short of fund and I've been charged for more than {$300.00} just for overdraft and it was only {$30.00} shortage of amount in the bank and I need to pay {$300.00} to retrieve my account. TD Bank Branch Office Address XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Name of the staff XXXX XXXX
Company Response:
State: NY
Zip: 10003
Submitted Via: Web
Date Sent: 2019-12-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Target reported my account 120 days late which is incorrect. I called in to speak with a representative in XXXX to let them know that I was experiencing a financial hardship and would like to request that my payment that was due be placed on the back-end. The representative approved the request and told me that my next payment wouldn't be due until XX/XX/2019. I received a letter around XX/XX/XXXX stating that my account was placed for collections if I didn't make a payment. This was the opposite of what the representative explained to me. I was not or never late on my payments to target and I want those 2 late payments removed from all 3 credit bureaus immediately.
Company Response:
State: IL
Zip: 60426
Submitted Via: Web
Date Sent: 2019-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-15
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: According to my last statement dated XX/XX/XXXX 2019 my total year to day overdraft fees are {$1000.00} plus one {$35.00} NSF fee. This is extremely excessive. My account is currently overdrawan {$400.00}
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2019-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a business account with TD bank that my account bas been restricted just because i issued out two checks in the amount of {$10000.00} and {$29000.00} for payments. Two days after the check was issued out i called customer service to let them aware of those two checks just because my account is new and was the first time writing checks from my account. The funds were debited from my account on XX/XX/2019 and XX/XX/2019, but TD bank security department called me and asked me to speak to my personal banker to verify the checks issued out which i did. Two hours later my account was placed under review so i contacted my personal banker again and he informed me TD bank securities have taken over my account and he is not allowed to communicate with me. There is no way to speak to that department because my personal banker informed me they only communicate with that department through email and there is nothing he can do to help me. As at now the other parties that i issued out the checks to haven't been paid due to TD bank not validating the checks with the other bank after checks has already been verified by me with my personal banker per TD banks request and checks been already debited from my account. This matter is inconvenient for my business and its causing delays for me to run my business.
Company Response:
State: NJ
Zip: 071XX
Submitted Via: Web
Date Sent: 2019-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-14
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: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: CA
Zip: 93313
Submitted Via: Web
Date Sent: 2019-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have contacted Target for 2 payments reporting as late from 2017 and it’s showing on my XXXX report as updated but still not on my XXXX and XXXX. It’s affecting my payment history negatively on my score.
Company Response:
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2019-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: TDBank Allowed a transaction that was not approved to go through and are not helping me fix the problem. I called to dispute the transaction but they say that it take till th end of the month to fix this. It is causing me hardship. I called them back to ask for a credit to be added to my account but they said that they couldn't because of law but at my other bank they always have credits for dispute transactions.
Company Response:
State: FL
Zip: 32824
Submitted Via: Web
Date Sent: 2019-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-13
Issue: Loan payment wasn't credited to your account
Subissue:
Consumer Complaint: I make my truck loan payments on the XXXX or earlier every month in XX/XX/2019 I logged into TD Auto Finance website as they encourage you to do and made a larger payment then my required payment. The web site accepted the payment but did not give me a confirmation number. I made a note of this and the next payment in XXXX I logged in and there was no notice of missed payment or notice of a balance due just the standard payment amount. Once again I made a larger payment. Each successive month I over paid my monthly amount in XXXX I happened to open their paper statement and it showed the had received the larger payment in XXXX but said I had a balance due and had late charges. Calling them I found out that their system had not processed the XXXX payment and when I asked why there was no indication of the non processed payment on the website I was informed the website wont show that it only takes payments. None of their information indicates that in fact they push you to the website to manage your account. So instead of being ahead on my loan I was behind. I pay all of my bills online and manage all of my accounts and all of them provide me clear notices if there is any type of issue. TD should have to clearly state that the website is not an account management tool but just a payment gateway which they do not.
Company Response:
State: CO
Zip: 804XX
Submitted Via: Web
Date Sent: 2019-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A