Date Received: 2019-12-13
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. More confirmation of the aforesaid item too. My proper request must over, 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: 91001
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: 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 kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Company Response:
State: CA
Zip: 93311
Submitted Via: Web
Date Sent: 2019-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Company Response:
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2019-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have an account with TD auto withdraw to pay a mortgage to TD. For 8-10 months TD was calling me every 2 weeks to tell me I was delinquent but could never figure out why it was showing this way since the auto pays were religiously coming out. A couple months ago they did a withdrawal from the account with no notification which made the auto withdrawal bounce resulting in fees. Finally they after that we figured out the loan actually came due so they were suppose to send me paperwork to reactivate the loan ... this paper work has not been received to this date. On XX/XX/XXXX TD issued the auto pay to TD but now they put a deposit only status on the account blocking the check THEY issued to themselves which will bounce due to this restriction causing fees. This is a mess with them. One hand doesn't know what the other is doing. Reporting and disclosures are deficient at best. Obviously the money is in the account to cover the payment. They claim the restriction is to lock up any deposited funds to be applied to the mortgage which is where it is going anyway..the whole thing makes no sense. This needs to be addressed ASAP as I am sure TD is in violation of some kind of reporting under your rules and I am also sure that there are violations existing just by virtue of not properly sending notices, attaching accounts and causing erroneous fees to me as the consumer.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2019-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Company Response:
State: IL
Zip: 60504
Submitted Via: Web
Date Sent: 2019-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: My father and I had a car loan taken in XX/XX/XXXX. We went to XXXX dealership in XXXX XXXX, XXXX NY. We filled out paper work with myself being the co- Signer. When the final paper work was drawn up, the amount was over {$900.00} a month. The finance manager assured we can come back in 6 months and have the amount reduced. After 6 months we can back and the entire staff was changed with new employees. They could not honor the refinance. In XX/XX/XXXX we decided to voluntarily give car back to TD bank who was financing the car. After several attempts we finally got TD bank to pick up the car. During the time Of XX/XX/XXXX and XXXX of XXXX, I did ask For the contract. The XXXX dealership told me they will send it in an email. It was so frustrating I gave up and during that time we were giving back the car. A month later I had a credit repair guy help me situate with the TD Bank. The dispute was with giving the car back and owing the rest of the amount. After another several Months, the credit rep finally got the contact in full on XX/XX/XXXX. After a through review, I noticed that the info my father and I had on the contact was false. If they took our original information we most likely would not of got that expensive car. They put down that my father and I make {$5000.00} per month each. They also put down that I did not pay rent and I live with a relative. Both statements are not true. I do not make XXXX per month. I do not live with my relatives, I live with my wife and XXXX kids. Did attempt to call TD back on several occasions but could not get in touch anyone who want to hear what I have to say. I was so desperate I had to go on the XXXX messenger to find their company and see if I can talk to someone. The representative did not take enough interest to understand that the information that was the from the XXXX dealership to TD bank was false .I have documentation to prove that we do not make XXXX per month and I do have a definite prove that I do not live my relatives as I am so a married person with XXXX kids. The amount that was financed was {$73000.00}. Our monthly payment was XXXX per month. The reason the high amount is we gave in a car to trade. I told Td Bank at the XXXX dealership has falsified info. I have heard From other individuals that to the XXXX dealership in the XXXX New York has practice scamming customers. In our situation my father was taken for what he had by falsifying his information to show how much he makes per month. My father is on SSI and XXXX. And makes only {$1900.00} a month. As of now I am being given a paperwork in regards to possibly being sued for the amount when is that I reached out on several occasions to try resolve this but they said because we signed it is valid. When we sign it was all electronic. So we did not actually see the contract in front of us to review and if we did I would definitely stop it. They really put on a show for us and deal with this supposed to do so Sell They say we owe XXXX. I also explained during the time of the car be given back that we do not make that much and this is why we give the car back. I also asked the XXXX XXXX if they can help us try to resolve this matter without charging. I didnt not get any correspondence with any of the things I asked expect a bill
Company Response:
State: NY
Zip: 108XX
Submitted Via: Web
Date Sent: 2019-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-11
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: New to the community I found a TD promotional offer online. Basically the offer states that if you open a Beyond Checking account with two qualifying deposits totaling {$2500.00} or more within 60 days you will earn {$300.00}. Additionally, you can earn {$200.00} when you deposit {$20000.00} or more in new money within 20 days of account opening and maintain a balance of at least {$20000.00} for 90 days. Having this information, I met XXXX XXXX, a new accounts representative for TD Bank, on XX/XX/2019 at the XXXX XXXX XXXX. branch in XXXX, NC XXXX. He looked for the promotion online but could not find it. He called TD Banks corporate office and they could not find it. So I went home and sent Mr. XXXX the link to their promotion and went back to the bank to show him the promotion in person complete with disclosures. He clicked on the link I provided him and stated, yeah sometimes these promotions are buried or are done through our marketing affiliates. He confirmed the offer was timely and that all I needed to do was apply on line. I went back home and applied on line through TD Banks promotional portal by clicking open now and made the qualifying deposits the next day. After making the two direct deposits from my Social Security income and maintaining my savings balance of {$20000.00} through the required 90 days I began making inquiries through the TD Bank call center around mid-XXXX. I was advised by their representative that I had met the qualifying prerequisites per the standard offer. However, the representative could not see the offer itself. The representative said she would escalate my concern to her management. As I received no reply I subsequently called the call center numerous times in XXXX and into XXXX. Again after no response I finally related to a representative at the call center that I would file a consumer complaint to the agency that governs banking. The following day on XX/XX/2019 I received a call from XXXX XXXX. ( Spelling of name uncertain ) who operates through their chairman of promotions office. His telephone number is XXXX. He advised me there was no promotion and the promotion I must have responded to must have been through one of their affiliate marketers. After advising XXXX XXXX of the aforementioned facts stated in the above he recoiled by saying, We dont have to honor our promotions. Youre not entitled to a promotion. Its not like interest you earn in an account. Its up to us whether we give it to you. Note : He did not ask me about the link I had sent to Mr. XXXX or how I found the promotional web site. I was subsequently contacted by the XXXX Branch Manager, XXXX XXXX on XX/XX/2019. She asked me for an accounting of my concern. She said she would research the problem and get back to me. Within a day she advised me she had found the offer. However, she didnt and could not produce it. She instead provided me with a *supplement to the promotion date XX/XX/2019 which I was never privy to. Note : The original link I had emailed Mr. XXXX go directly to TD Banks live web site per XXXX XXXX. When you click on the link of my email dated XX/XX/2019 it has now undergone several changes and permutations. Ms. XXXX conveyed to me she was authorized by her Manager to deposit {$300.00} into my Beyond Checking account. The amount was deposited on XX/XX/2019. However she said the {$200.00} I believe I earned per the original per motion was disallowed for reasons that remain unclear to me. In summary I question the process that takes place between TD Bank and their so called affiliate marketers. To me this is irresponsible and not incumbent on the customer to process. I am concerned that TD Bank management is telling their customers that they dont need to honor their promotions. I am very concerned that the original promotion and confirm by Mr. XXXX is yet to be found. Finally, how can a prospective customer enter TD Bank through a promotional TD letterhead web site, offered to the public, that says open now if the offer is not valid? No one at any quarter at TD Bank has been able to answer this simple question. Needless to say this issue has caused me a considerable amount of time, effort and undue stress. This is not the standard to operate business professionally by any measure. Respectfully XXXX XXXX *ref. supplement dated XX/XX/2019 can be furnished upon request.
Company Response:
State: NC
Zip: 28403
Submitted Via: Web
Date Sent: 2019-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I use TD Bank as my bank. About 3 weeks I noticed that there were 2 checks that I sent in the mail were clearly altered. I called up TD Bank and froze that account. I went into my local TD Bank branch and filed an affidavit of fraud. It took them nearly 3 weeks and only because of my complaining on social media that they responded. A representative from TD bank reached out trying to get a provisional credit. However, the local branch rejected this provisional credit without explanation. It is getting extremely frustrating and difficult to deal with TD Bank. My local branch is completely unresponsive. Meanwhile, a huge sum of money is missing from my bank and I have to pay bills. TD Bank was extremely negligent in allowing these checks to go through when they were clearly altered and they should take responsibility for their actions. They should have contacted me to ensure that these checks were legitimate before taking out such a huge sum of money from my bank account. Therefore, I would like my money back as soon as possible.
Company Response:
State: NY
Zip: 11552
Submitted Via: Web
Date Sent: 2019-12-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-10
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I have received numerous mailing advertisements from TD Bank. At least one of those advertisements was a direct mailer which made an offer of {$XXXX} upon opening a new account and meeting specific criteria. I followed the link on the advertising mailer to open an account and opened the account through the link. I met all promotion criteria during the time frame, which involved creating a recurring direct deposit from my XXXX XXXX, meeting and keeping an account balance, and keeping my money invested in TD Bank. I made two inquires about the promotion after the requirements had been satisfied and was directed to " just give it time '' before the {$XXXX} promotional value would appear in my account. Apparently the promotion had expired ; however, I did not know it had expired at the time I opened the account and the website link advertised on the direct mailer made no indication that the promotion had expired. I opened the account under the impression that, and for no other reason than, I would be receiving the {$300.00} promotional credit. Now, nine months later, TD Bank refuses to honor the promotion even though there were numerous instances in which they could have told me that the promotion was no longer valid. My money has been tied up in the TD Bank account for nine months, accruing almost zero percent interest, when it could have been earning interest in any other account. So, by TD Bank 's not honoring their advertising promotion, I have lost money.
Company Response:
State: VA
Zip: 22314
Submitted Via: Web
Date Sent: 2019-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I was shocked when I reviewed my credit report and found late payment on XX/XX/2018 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 checked 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: 02302
Submitted Via: Web
Date Sent: 2019-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A