Date Received: 2019-04-22
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: Date of calls : XX/XX/XXXX Time of call 1 : XXXX CST ( inbound call from XXXX to XXXX ) Duration of call 1 : 1 minute Call 1 description : I, XXXX XXXX , received a call from female who claimed to be from an attorney 's office representing XXXX. Asked if I was XXXX XXXX, which I responded with by asking what the purpose of the call. The female did not disclose they were trying to collect a debt and said they have to verify my identify prior to providing any information other than the fact they represent XXXX. I acknowledged that my name is XXXX XXXX, which she then started asking for my personal identifying information, home address and date of birth. I provided my address, due to it being public record and nothing else. I refused to provide my date of birth due to possible fraud and she then stated since I am refusing to cooperate and verify my identity, she would " notate the account as a refusal ''. At this point, she disclosed the existence of an account that I had with XXXX without verifying my identity, which is violating my rights as a citizen to not disclose that an account exists. She stated she was only trying to help me, but what occurred next contradicted this. She disconnected the call abruptly, which is aggressive and harassment. After all, she called to get something from me and then threatened me with the fact she is working for a law firm representing XXXX without providing any other info I immediately called back. Call 2 time : XXXX CST ( outbound call from me to XXXX ) Call Duration : 18 minutes I spoke with an individual and asked to speak with a supervisor. The supervisor, XXXX XXXX - extension XXXX immediately said he listened to the call and his representative didn't do anything wrong. I advised him that I understand my rights and this is harassment citing possible violations of UDAAP and FDCPA. I asked who the representative was and XXXX provided XXXX XXXX extension XXXX. I confirmed the name of the law office they represented, which was XXXX and XXXX and the address of XXXX XXXX XXXX XXXX NY. XXXX asked for me to authenticate who I was so he could discuss the reason for the call, so I provided my name and even my last 4 of my SSN. XXXX still refused to discuss anything with me because I wouldn't provide ALL of my personal identifying information. I advised him that I would be filing a formal complaint with the regulator who enforces the laws he is violating. Phase 2 - Calls to XXXX to figure out what is going on Date of calls : XX/XX/XXXX Time of Call 3 : XXXX ( outbound to XXXX customer service XXXX ) Call duration : 13 minutes Call 3 details : I called XXXX immediately to figure out why a law office is calling me and harassing me. Since I have an account with them, I verified my identity, Name, Address, SSN. The representative advised I was past due and need to make a payment. I told her I would take care of it, but have been going through a divorce and not living at my home or received calls or mail. She understood and I then explained that I need to file a complaint regarding the law office representing them, which she told me " we receive a lot of complaints about them '', and that she " just had a complaint regarding them just a few days ago. '' I explained the situation and the rep stated she would be opening up a case. She placed me on hold, which eventually disconnected. Time of Call 4 : XXXX ( outbound to XXXX customer service XXXX ) Call 4 duration : 13 minutes Call 4 details : I tried to speak with someone regarding my complaint and why I was just hung up on by the previous representative and the XXXX representative hung up on me. I have not received a call back from either XXXX and XXXX or XXXX regarding my complaint. This is a clear violation of the protections the CFPB enforces for the citizens of the United States of America.
Company Response:
State: TX
Zip: 75022
Submitted Via: Web
Date Sent: 2019-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: The collection agency XXXX XXXX has contacted me regarding a debt. I spoke with XXXX XXXX, and made a monthly payment arrangement to pay the debt in full. He refused to administer the payments on the date I informed him was necessary. The date of the draft is specific because my husband is a XXXX XXXX veteran who is receiving Veteran 's Affairs XXXX Compensation, this limits our budget severely. The payments would not go through until the first of the month and they continued to draft them on the last day of the month resulting in a missed payment. They were unwilling to negotiate a better solution. XXXX XXXX then threatened legal action to scare us into payment. There were multiple occasions that after the payment would fair on the last day of the month he would call my place of employment multiple times and notify them of my debt. Then recently on XX/XX/2019 he contacted my mother directly on a phone line that is unlisted to notify her of my debt and obligation to pay. He has been harassing and unprofessional.
Company Response:
State: MA
Zip: 01020
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XX/XX/XXXX I filed the same complaint, and you guys had it resolved less then a week. I've been told by TD Bank that my payments dating back to XX/XX/XXXX were being applied to principal and not interest while charging me for late fees, making it impossible for me to ever catch up on my payments when the whole thing is their fault AGAIN!. I contacted XXXX XXXX XXXX who told me in XX/XX/XXXX that he would handle this personally if I had any problems moving forward. So he tells me he no longer has my account and assigned me to a XXXX XXXX XXXX - XXXX XXXX and XXXX XXXX while I'm working with XXXX XXXX at the local branch who then gave me XXXX XXXX contact information at my request, are you following me so far? - They are giving me the run around. I have also attached some important supporting documents. I was so stressed last time I ended up going to the hospital only to find out I had XXXX XXXX XXXX and XXXX.
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I no longer have possession of the XXXX XXXX XXXX XXXX. The vehicle was sold for XXXX in which the car is worth & the XXXX also was credited {$2300.00}. Since XXXX they have been reporting on my credit as if its an open loan and past due. The sent me a letter out of retaliation for filing a complaint using threatening language to continue to harass me. They are now claiming I owe {$17000.00}.
Company Response:
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-18
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, CT. XXXX XXXX XXXX XX/XX/XXXX XXXX Credit Card Services XXXX . XXXX XXXX XXXX, MN XXXX To who may concern : Re : On XX/XX/XXXX, I purchased the following product or service : XXXX XXXX credit card took money for services non authorized and refuse to reverse those chargers when auto pay should only have been used for transfer money when payments are not made what so ever all the payments were done in a fashion matter ( also from XXXX institution ). I am dissatisfied with the bank with bank errors that should have happen to begin with and the lack of effort to reverse those non authorized payment, Asking to please fix the issue and send back to funds to the issuing back when the payment was made in full already. I would like to have that money reversed back to my banks account as per agreement I was told autopaymet should only be apply if not payment is made. I have enclosed copies of my records related to this situation. I look forward to your reply and a resolution to my problem, and will wait until XX/XX/XXXX before seeking help from a consumer protection agency or the XXXX XXXX XXXX. Please contact me at the above address or by phone a XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX via fax XXXX XXXX credit card
Company Response:
State: CT
Zip: 066XX
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My checking account with TD Bank in XXXX XXXX, FL had a fraud withdraw with a branch in XXXX, NY. They issued a {$1300.00} withdraw with a fake " out of state '' drivers license without asking for a second ID. I reported the incident in less than 48 hours when reviewing my account online. We sent a signed fraud application and police report ( claim number ) from the local branch to the TD Bank fraud department and was informed the process would take 10 business days. I called the TD Bank fraud department today, 12 business days later for an update and they could not provide any updated information nor the assigned investigator for this claim.
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2019-04-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-17
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I've been in the process from closing on a refinance with XXXX XXXX XXXX. Part of the refi includes paying off my TD HELOC ( account # XXXX ). XXXX XXXX XXXX and I have made several attempts to obtain a pay-off from TD Bank and TD Bank has refused to send me or XXXX XXXX XXXX the pay-off. As a result, I've been unable to close on my mortgage refi with XXXX XXXX XXXX. I stressed the importance of this when I spoke to TD Bank on XX/XX/2019 and was told a pay-off would be faxed to me at XXXX. This is the second compliant I have had to file concerning TD Bank. I feel that they are deliberately making it difficult for me to pay-off my HELOC and close on my mortage with XXXX XXXX XXXX. My previous CFPB complaint also resulted from general payment issues to TD Bank. XXXX was the last person I spoke at TD Bank Mortgage Servicing ( at XXXX am on XX/XX/2019 ) who again gave me the run-around saying a " request '' needs to be submitted to the " Pay-off '' department in order to obtain the pay-off. This was the SAME story given to me on Monday, XX/XX/XXXX and the fax was never received.
Company Response:
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2019-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-17
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I was supposed to have only one overdraft fee and now I had six overdraft fees for when i only took out {$300.00}!!!
Company Response:
State: PA
Zip: 19147
Submitted Via: Web
Date Sent: 2019-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This is a follow up to CFPB complaint XXXX credit card account ending in XXXX from XX/XX/2018. A letter from TD Bank was received by me on XX/XX/2018 stating that my complaint was received and that my debt was paid on XX/XX/2018 in the amount of {$6200.00}, which was the agreed upon settlement amount. I was asked to wait up to 45 days for the major credit bureaus to update their records and an apology that TD Bank did not report accurately to the 3 bureaus on my behalf. I also have a letter from XXXX XXXX dated XX/XX/2018 stating that this debt was paid. Upon checking my credit reports in preparation to purchase a home, I find that TD Bank is still reporting the account with a balance due of and an open charge off right up until the present time. They have been falsely reporting inaccurate data on my credit report since XXXX of 2018. This is seriously hurting my credit scores and my ability to get any type of loans. This is fraudulent activity by TD Bank and I want this information removed immediately and updated, backdated and all previous reporting that is inaccurate removed from my credit reports in all 3 bureaus. I am happy to provide all written documentation from TD Bank.
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2019-04-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-15
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: For almost 5 months now, I have put a lot of action on my part to get this matter out to the bank, TD Bank in XXXX XXXX - numerous emails inside my online business account, calling the general TD phone number of the branch, calling specific numbers, leaving voicemail messages and emailing using the email address connected to the business account. I have told them I want my account closed and a cashier 's check for the remaining balance of {$10000.00} be issued either to my business or to me personally. There are 2 staff I have been dealing with regarding this : 1. XXXX XXXX - phone number XXXX XXXX XXXX 2. XXXX XXXX, VP and branch manager - phone number XXXX XXXX XXXX , TD Bank , XXXX XXXX XXXX , XXXX XXXX, NY XXXX One particular instance showing the bank or XXXX XXXX does not care. This was after many voicemails I left on XXXX XXXX XXXX phone. On XX/XX/2019, Friday, XXXX XXXX XXXX, I called her twice and she finally answered my call. She told me that on XX/XX/2019, Monday, if she did not call me back, I could follow up with her and she would deal with my account. I gave her more time and I called on Monday at XXXX : XXXX XXXX. When I spoke with her, she said she wanted me to call her back in one hour. I gave two hours and called her back at XXXX XXXX XXXX. Again. she said to call her back and I called at XXXX : XXXX XXXX but it went to her voicemail ( all showing in my call log ). It is almost one month now and I have not received any callback from her. I am putting this in your hand CFPB in the hope that someone in that bank makes sense and can provide me with my request.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-04-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A