Date Received: 2019-07-29
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have never been over 30 days late on my car loan with TD AUTOFINANCE. TD AUTOFINANCE STARTED CALLING MY JOB ON A DAILY BASIS DURING XX/XX/2019. I told them to stop calling me at work but they continued and eventually stopped calling me at work and know the call me on my cell by making their phone number pretending it's a phone call from someone in my area code. Days of the calls are the following ; XX/XX/2019 3 times XX/XX/2019 4 times XX/XX/2019 3 times XX/XX/2019 5 times XX/XX/2019 1 time ETC .... ETC .... I MAILED TD AUTOFINANCE A LETTER TO CEASE AND DESIST IN XX/XX/2019 & TOLD A REPRESENTATIVE ON THE PHONE THE FIRST TIME I SAW THE MASKED NUMBER THINKING IT WAS A CALL FROM A FAMILY MEMBER OR FRIEND. TD AUTOFINANCE HAS NOT GRANTED MY REQUEST.
Company Response:
State: MT
Zip: 595XX
Submitted Via: Web
Date Sent: 2019-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-29
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I have a credit score of more than XXXX. I have an auto loan with an perfect payment history. My credit report does not reflect any negative balances, any late payments or anything negative. I am a also XXXX woman with a thick accent. I stopped by a Target located in XXXX Ga, on Saturday XX/XX/2019. I was looking at a promotion that expired that day where I was to get a discount coupon valued at XXXX if I signed up for the Target credit card. The associate convinced me to apply, as he said it was a pretty simple and instant process. Since I wanted to expand my credit portfolio and had a pretty good credit score, and the promotion was very attractive, I took the bait. To my surprise, I got a receipt saying Id get a letter in 7 days. After I did some search online on many credit forums, I discovered that people had actually called in after receiving such notice and they would find out they were approved. Many consumers reported they were approved even with credit scores in the lower 600s. I called the XXXX, and was transferred to accounts payable. The first person immediately told me I was declined because I had " no credit history '' Which is false. Then she told me it was because I didn't have credit cards and they decided my score credit wasn't good enough to issue me with a Target credit card. That the bank, TD Bank USA, didn't deem me a good " fit ''. Since I know I have a good credit history and score on file and actually hold an auto loan with a very well known bank, I knew there was something more to this information. I requested to speak to a manager and I asked her first for her information to document it and have it ready when I filed a complaint with the corresponding government agency, and my attorney. The reason I want to escalate this is because I feel that there was some discrimination regarding the approval process as they have information on my demographic by looking at the places I've lived at. I also know there was a switch and bait during the whole process. The employee who took my info at the register gets his commission. Target hits their numbers without issuing the XXXX promotional coupon and I get a bad hit on my credit score without obtaining any benefit, no discount coupon and no credit card either. So the " manager '' identifies herself as XXXX, literally mocks my government agency comment by saying " what government agency lol what are you talking about '' And by finally saying in an extremely hostile, terse and disdainful tone " you better learn how to speak to me or you wont get any information from me '' So I hung up without any information besides what was originally given by the first accounts payable associate.
Company Response:
State: GA
Zip: 30533
Submitted Via: Web
Date Sent: 2019-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I went to cash a check from my bank, the tailor said that my account is closed, as it was the evening time an official said come on other day in day time to look in to your account in depth, I am an employed person so I arranged to leave from my job one day and went again on XX/XX/19. The officer showed me the last check drawn from my bank account, which was not mine it was a third party check not having either my name or signature even the routing number was different only the account number was mine. I asked him how did you cash this check when nothing is matching with my account information. Then he said no worries just file a claim and you will get your money back in 90 days, so I filed a claim. After 90 days when I went to ask the same officer he said to open a new account so they could put my money in it, so he opened up my new account. After 10 days I got a denial letter from the bank which stated that they can not reimburse my money.
Company Response:
State: NY
Zip: 11385
Submitted Via: Web
Date Sent: 2019-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This creditor just posted multiple false dates and late payments to the credit bureaus. They are showing my last payment as XX/XX/XXXX and I have bank statements showing no such payment was ever made. They also reported three years of late payments at once this year when nothing has changed on the account since at least XXXX.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2019-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-26
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: Regarding two charges from XX/XX/2019 in the amount of {$1500.00} and {$250.00} The charges were made on XX/XX/2019 and disputed on XX/XX/2019. After not hearing back from TD Bank a request for fallow up was made on XX/XX/XXXX by XXXX, XXXX XXXX XXXX XXXX in the XXXX NJ office The response from TD on XX/XX/XXXX was that. TD claims that they requested more information from me. ( Note that is the ONLY communication that I did not receive from TD throughout this entire ordeal ). The more information was then provided to XXXX, XXXX XXXX XXXX XXXX at the XXXX NJ branch on XX/XX/2019. XXXX, XXXX then faxed that information to the proper department in TD Bank but did not save the fax receipt hence TD is denying the claim because the branch did not save the fax receipt.
Company Response:
State: NJ
Zip: 07724
Submitted Via: Web
Date Sent: 2019-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: TD Bank is not complying with the regulation that requires mortgage services to publish, in a clear and distinct way, how and where to submit a Request for Information & Notice of Error. The regulation 12 CFR 1024.36 ( b ) states : ( b ) Contact information for borrowers to request information. A servicer may, by written notice provided to a borrower, establish an address that a borrower must use to request information in accordance with the procedures in this section. The notice shall include a statement that the borrower must use the established address to request information. If a servicer designates a specific address for receiving information requests, a servicer shall designate the same address for receiving notices of error pursuant to 1024.35 ( c ). A servicer shall provide a written notice to a borrower before any change in the address used for receiving an information request. A servicer that designates an address for receipt of information requests must post the designated address on any Web site maintained by the servicer if the Web site lists any contact address for the servicer. I have combed TD Bank 's website and can not locate a specific address to send this type of correspondence. When I called TD Bank to ask about the address, I could not manage to get connected even to a person who could speak to me with any knowledge about mortgage servicing at all, let alone tell me accurately where to send a Request for Information. I was given the fax number for the escrow department the first time I called, and the second time was given an incorrect address. I called a 3rd time and the person who answered decided to give me the general correspondence address. I was eventually able to confirm this address on the back page of a mortgage statement, but that alone does not comply with the regulation about. There is literally no place on the website that offers an address apart from direct banking locations, and although I have clients who have mortgage serviced by TD Bank, there is no indication on their website that TD Bank does anything beyond the application for and origination of mortgage loans. I find this astounding.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2019-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-26
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Ive been trying to get this deleted from my report I never had the card it was stolen from me I disputed couple times and no resolution have been made
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2019-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-26
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Just this month ( XX/XX/XXXX ), a " late payment '' hit my credit report while I am in the middle of purchasing a house. I logged into the TD Auto Finance website ( which I never do b/c the payments are made in person at TD Bank counter ) and there was nothing obviously that would show anything was 30+ days late. What I did see was what the balance due for " XX/XX/XXXX '' which is what they are stating is the missed/late payment. I called TD, spoke with a representative yesterday ( XX/XX/XXXX ). They stated that there was a payment missed in XX/XX/XXXX. It clearly was an accident because every payment before and after that has been on time and always more than the minimum. I was never notified about a missing payment. TD stated that do not call for missed payments but only send notices in the mail. I have never received one. They also said they sent me monthly statements, which I also have never received and they are looking into that. The on-line message center also has no notification in there under my account. When they told me it was late, I immediately paid the outstanding balance, which was less than a monthly payment due to all the over payments. Not only did they not make a fair attempt to contact me, they reported {$88.00} as " 30 days late '' with the credit bureaus but posted it on my credit 9 months later as if i was recently late. Had they either called me and/or even added it my credit when it was truly late, I would have paid it immediately. Now my current home loan I'm working on is at risk. They told me there was no phone or e-mail to contact anyone, I would only be able to mail my complaint to the Credit Dispute Department. My home is supposed to close in less than 3 weeks and this is now an issue.
Company Response:
State: FL
Zip: 33511
Submitted Via: Web
Date Sent: 2019-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-25
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: Initial contact in XXXX, i was contacted about this unknown debt. I said i need documentation and everything in email. The man got upset and started yelling that they will proceed with further actions if i dont pay now. XXXX, They assigned different associate to my account. She continue to call leave disturbing vmail XXXX XXXX. She says she has my information and will contact where i work to levy my paycheck. Again i asked for documentation about this account and they continue to ignore my request. My only form of contact is email i said since they dont have phone manners. They attempt to levy my account every year. I do not have money and they dont seem to have my correct information to serve me. Because that account was not my doing. This account was from identity theft and now i am haunted by this horrible law firm.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Company Response:
State: GA
Zip: 30046
Submitted Via: Web
Date Sent: 2019-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A