Date Received: 2019-04-03
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: Friday, XX/XX/XXXX Attention XXXX XXXX XXXX, It is unfortunate XXXX continues to send me statements for an account I never applied for or purchased items with. The short is on XX/XX/XXXX a XXXX employee informed me that XXXX XXXX XXXX could be used as a rewards card for savings, not a credit account. When she clarified it to be a credit account, I told her to cancel it. She agreed to do so. I paid for items at XXXX that day in the approximate amount of {$150.00} with my XXXX XXXX XXXX card. For reasons unknown the XXXX cashier also charged the purchase to the XXXX XXXX. Thus, I was charged twice for the purchase. Upon a call I placed, XXXX recognized the mistakes and I conferenced in XXXX XXXX XXXX to both verbally verify the purchase was paid with my XXXX card, and to fax XXXX proof of the XXXX payment. After several calls between XXXX and myself, XXXX agreed they billed me in error and informed me they had cancelled the account. Several months afterwards XXXX took this to a collections process. My credit score went from approximately XXXX to XXXX as a result. I have since had several calls with XXXX and they continue telling me they made an error and will resolve it in addition to fixing my credit score. As you can see in the included letter from XXXX on XX/XX/XXXX, the matter is not resolved. XXXX continues to bill me and damage my credit score. I have included information from XXXX XXXX XXXX to again show the purchase was paid on my XXXX account, not via a XXXX credit card. I need XXXX to immediately resolve this matter and correct my credit score with each affected agency. If XXXX can not or will not resolve this matter immediately, I will contact both a family business attorney and the Consumer Financial Protection Bureau. XXXX, XXXX XXXX XXXX XXXX / XXXX XXXX
Company Response:
State: CA
Zip: 92083
Submitted Via: Web
Date Sent: 2019-04-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have reported the unauthorized charges made to my credit card account to TD BANK USA and they have not worked with me to resolve this report of fraud on my account. They refuse to reverse the charges. I immediately called to report the unauthorized use of the card and twice submitted their Fraud Questionnaire as required. They are giving me the 'run around '. All of the charges totaling {$750.00} listed below were NOT AUTHORIZED BY ME. Some person, unknown to me, used a credit card that was apparently diverted by mail to make a series of fraudulent charges to my XXXX XXXX account in the transactions listed below. I am disputing all of the listed charges. Also, I have never processed a CASH ADVANCE transaction for {$400.00} at any time on this account. Let me know if you have any questions. Posting Date Description and Amount Category Comments XX/XX/2019 XXXX XXXX XXXX XXXX TX - {$320.00} Auto Date of transaction XX/XX/2019 XX/XX/2019 XXXX XXXX MON XXXX XXXX CA - {$11.00} Travel XX/XX/2019 XXXX XXXX XXXX XXXX TX {$400.00} Cash Date of transaction XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX XXXX TX - {$11.00} Auto Related Date of transaction XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX XXXX TX - {$1.00} Auto Related Date of transaction XX/XX/2019 XX/XX/2019 CASH ADVANCE FEE {$12.00} Miscellaneous Transaction XX/XX/2019 XX/XX/2019 CASH ADVANCE FEE {$12.00} Zip : XXXX Merchant : Miscellaneous Transaction Date : XX/XX/2019 XX/XX/2019 Original Amount : {$12.00} INTEREST CHARGE- CASH {$7.00} I would like to have these charges removed from my account.
Company Response:
State: TX
Zip: 76107
Submitted Via: Web
Date Sent: 2019-04-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-02
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I got a call out of the blue saying that we were late on a payment. Called my wife and found out we were. So we paid two payments that month. Then a couple months late the same thing happened but we hadnt missed any payments. But in trying to keep late payments off my credit we paid two payments that month. Now this is the 3rd time this has happened and shows we are two payments behind still. Thank you XXXX XXXX
Company Response:
State: GA
Zip: 317XX
Submitted Via: Web
Date Sent: 2019-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened a credit card with TD Bank when I purchased furniture in XX/XX/2018 with the store and paid off the balance. Because the store charged separately for each delivery, a late payment occurred in XX/XX/2018. I called the TD Bank and asked for pay off and waive charged fees. TD Bank 's representative through phone instructed me paying off ( I was given the number I need to pay off ) and confirmed that all fees are waived and the balance is XXXX. Because I believe my balance is XXXX I did not go back to check my account for 6 months. Recently, I received voice mail from TD bank asking me to call the bank service. I checked my balance and realized TD bank do not waive certain fee called-charges which caused accumulated interest for 6 months- {$250.00} till today. All the online account setting is by default, I were not offered the opportunity to understand waiving of all fees do not cover certain charges ( hiding charges ). As a customer, I am confused and feel unfairly treated by the way TD bank manage and charge credit card account.
Company Response:
State: NJ
Zip: 07093
Submitted Via: Web
Date Sent: 2019-04-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-31
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: On XXXX I wrote to you and my complaint number was XXXX in reference to a line of credit I have with TD bank. You reached out to them and they informed you they were going to work with me by reviewing my tax returns to either reconsider the loan or convert my line of credit to a lower interest rate using a property of mine that is free and clear as collateral. They ( via conference call XXXX XXXX and XXXX XXXX from TD bank the vice president XXXX and XXXX the Manager ) reached out to me on XXXX offering these options and requested my signature to pull my credit and 2 years tax returns. I gave them both XXXX due to the holiday weekend. Through a series of emails and phone conversations over a few months, always initiated by me and I have track of them all, they have informed me that the bank did in fact make a mistake that there was no problem with my credit report and in fact the original concern of a XXXX charge off was handled and was not charged off, XXXX removed it from my credit report as it was an error. My credit score was never in question that it was XXXX when the line of credit was opened and has since gone to a XXXX with no deviation in the time frames. With that being said they never carried out the options they told me they would as per their response to you in my initial complaint. They told me they could not for whatever the internal reasons were re instate the initial line of credit but would then use my property for collateral. They have not done this. I have no idea what they are doing cause every time I call them or email them there is a delay and I believe they are lying to me. The proof is attached cause they have asked me to sign documents sent to me that is stating my loan is XXXX when it is a line of credit for XXXX. They didn't send this to me until XXXX told me I had to have it signed by XXXX. This banking institution cant possibly be following any guidelines and are totally frustrating me as a consumer.They are even charging me over a {$100.00} a month late fees during this process when I am in fact paying on my account. These fees are incorrect. I feel someone should never have to go through this process. If you notice since my last complaint it has taken them 4 months to send something to me of which I thought was relating to my collateral property and that process and it is the original loan I wrote to you about but now at an even higher rate. I please need someone to work with me along with this bank cause nothing is being resolved and I am still paying my monthly interest installment being patient during this whole process.
Company Response:
State: NJ
Zip: 08012
Submitted Via: Web
Date Sent: 2019-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-29
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My checking account with TD Bank has been closed and I need statements from the entire period it was open until closing, It was opened in XXXX of XXXX, closed sometime in XXXX or XXXX. These statements are needed for legal purposes. A request was made prior, nothing received.
Company Response:
State: CT
Zip: 06320
Submitted Via: Web
Date Sent: 2019-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-29
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: I was charged {$500.00} by someone using a XXXX account my bank never notified me I dont know this person, I filed a dispute before the funds left my account in hopes to stop the bank from paying the money out to a charge I never authorized. The bank has been taking days to refund me my money but has charged me {$70.00} in over draft fees I feel like Im being robbed again first by the thieves who stole my money and second by the bank who is charging me fees still and I call each day and still no one in the fraud or disputes department has viewed my claim.
Company Response:
State: NJ
Zip: 08060
Submitted Via: Web
Date Sent: 2019-03-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-28
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: We bought a XXXX XXXX XXXX XXXX from a dealership here in XXXX CA. They used TD Auto for the financing. The SUV was in an accident on XX/XX/XXXX and was deemed to be totaled by our auto Insurance. They XXXX XXXX sent TD Auto a check for $ XXXX. Prior to that, TD Auto went in the dealer reserve funds and took out {$2300.00}. We did not know this until way after the fact with dozens of calls to TD Auto since the accident! My wife called XXXX to cancel the extended warranty or service contract. That refund was sent to TD Auto Finance on XX/XX/XXXX and deposited by them on XX/XX/XXXX. Again dozens of phone calls later TD has maintained they have not received the check. My wife asked for and received proof of the checks from XXXX. TD could not do this on their own. My wife also had to call XXXX to file the GAP claim, because XXXX from TD did not do it as he said he would. When the GAP claim was filed, it was approved very quickly, because my wife did all the leg work for TD. She sent in all required Documents to XXXX. That check was sent out on XX/XX/XXXX and deposited by TD on XXXX XXXX Again, TD has repeatedly maintained they did not receive this check as well. Ally provided me with a copy of the canceled check. She sent it in to TD Auto. She has left repeated messages for the mgr of the Insurance resolution Dept, to which he does not return calls at all.His name is XXXX XXXX. She reached him today by fluke and she asked hi m what is going on? He gives her all kinds of stories and the runaround. She asked for his legal dept, he said they do not deal with the public. My wife asked him, '' so how would our attorney get in touch with them ''? he says oh fax in whatever to your file. Like how she faxed in the proof of the canceled checks to them since XX/XX/XXXX and XXXX and he said he was now seeing them! The biggest issue is an outstanding loan balance, with interest added daily in on my credit and I have been denied three time thus far for an auto loan, to get a replacement vehicle which we need.Each one citing high acct balances. Beside my home, I have three credit cards. I make good money and pay my bills on time. But this runaround is causing me a lot of stress and unnecessary headaches! MY wife is very ill and daily she wakes up at XXXX XXXX our time to reach these people, otherwise it is up to two hours holding to get someone. When she does get through, most are ridiculously rude! They claim they give legendary customer service? They need to change that to we give rude and unprofessional service! We get your payments and don't apply it to your accts. The last thing Mr XXXX said to my wife today is the funds had to be misapplied! One check maybe but what are the odds of two checks being misapplied and what is taking so long to find it and apply it to the right account? Something, just isn't right here.MY WIFE WAS THE ONE IN THE ACCIDENT. I AM ON THE ROAD FOR WORK. SHE IS THE ONE WHO HAS BEEN HANDLING EVERYTHING, SO SHE IS THE ONE YOU WILL SPEAK TO IF NEED BE. HER NAME IS XXXX XXXX. THANK YOU
Company Response:
State: CA
Zip: 93311
Submitted Via: Web
Date Sent: 2019-04-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2019 I went to look at new vehicles at XXXX XXXX in XXXX, TX. I gave the salesman my ID in order to drive a vehicle, but ended up not driving the vehicle after I realized he gave me false information over the phone. About 4 hours after I left the dealership I started getting notifications from credit bureaus that someone ran my credit at the dealership. I never filled out any paper work, never signed anything. In fact, I expressed my displeasure regarding the false information and told them I had no desire to purchase a vehicle from them. So, they ran my credit based on my Drivers License information. I know this because they used the address that was on the DL and it wasn't my current address. They ran it through XXXX XXXX, XXXX XXXX XXXX, TD Auto Financial. I just built a new house and didn't update it yet. I contacted the dealership the next day and they claimed to have mixed up my information with someone else and said they'd submit all the paper work to correct the issue. I've got 10 or so emails from the 'Sales Director ' ( XXXX XXXX ( XXXX ) XXXX ) stating he was taking care of it and he'd follow up. He hasn't followed up any and nothing has been done. I tried submitting disputes to the credit bureau 's, to no avail. This company is extremely dishonest and down right shady! They ran my credit to see if they could make me a good deal on a car, thinking that I'd buy one. Never do business with this company.
Company Response:
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2019-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-27
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: TD Bank account was opened under my name while I'd been out of country in XX/XX/2016, Please find attached my Identity Theft report with the police report.
Company Response:
State: FL
Zip: 33139
Submitted Via: Web
Date Sent: 2019-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A