Date Received: 2019-02-17
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Received an alert today XX/XX/XXXX XXXX increase on car loan. Spoke to rep she said I have a daily rate that has to be paid. I said my payment t is not due till the XX/XX/XXXX and I was granted the approval from XX/XX/XXXX to XX/XX/XXXX. She said I dont have a 10 day late fee policy I have a daily late fee and I signed for it. I told her I never signed anything stating I would pay a daily late fee for nothing. I purchased my car XXXX XXXX XXXX XX/XX/XXXX and have ever been late. This is Usuary!!!!!! Not only did they grant me a extension to make my car payment a certain date now the have added a loan increase of XXXX just reported to credit bureaus. I want this loan released from them or refinance the right way.
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2019-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-17
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I signed up for overdraft protection for my checking account with TD bank on XX/XX/XXXX and I was misinformed multiple times about how it worked. I was told on XX/XX/XXXX that I could write a check out for my rent and car payment and I had 60 days to get my account positive and that it would not affect my credit and the checks would not bounce. Well after a couple of weeks all the checks I sent out bounced and until I talked to a supervisor around XX/XX/XXXX he finally told me I had to have my account positive for a check to clear. I stated to him that I had told numerous customer service representatives that I had lost my income and that I was given the correct information. I was only given back about {$170.00} worth of overdraft fees and my account is still negative {$730.00} today.
Company Response:
State: CT
Zip: 06492
Submitted Via: Web
Date Sent: 2019-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX has either been hacked terribly or their customer service is at an all time low. They have had all sorts of system problems with payments from bill payment services. My payment has not posted in 5 days and I am being told by their customer service that it will be the XXXX until it is fixed which is 4 more days from now. My is online information is blocked because it trying to collect a payment ( That they have lost ) which leads me to believe they have been hacked. All of customer service has been told to say the same thing and all transactions with their credit cards ( I assume that use bill payments ) are bring denied which was terribly embarrassing to my wife in the store. I am hopeful this is only effects the bill payment customers. Everyone should check their accounts to see if they have been affected. This is horrible customer service and I can not believe they have shut our credit cards down and online information when they have my last payment but I guess can not find it!!!!! If they have been hacked they should tell the customers
Company Response:
State: AR
Zip: 72034
Submitted Via: Web
Date Sent: 2019-02-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: TD Card Services has a reward program. To manage the program you have to sign up for their website. When you are going through the sign up procedure a terms and conditions pops up that you have to agree to. This terms and conditions is for electronic statements. It has nothing to do with access to the site. I missed two payments because of this. TD Bank reversed the late fees but wont change their login procedure. TD Bank wont reverse the late they sent to the credit bureau 's even though the first rep I spoke to was well aware of this problem. E-statements are useless to the average customer unless they are accompanied by an E-bill. Which TD Bank doesnt offer. This is a scam at best. Dont bother with their card. Who wants to deal with a company that trys to dupe their customers. Wont fix their procedures when an issue is discovered and wont do whats right when its brought to their attention.
Company Response:
State: CA
Zip: 925XX
Submitted Via: Web
Date Sent: 2019-02-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-14
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: I traded my auto in, that was financed by TD Auto Finance, for a new vehicle. The loan was paid off at this time. However, there are incorrect lates reporting. 1 ) XXXX is reporting a late in XXXX and XXXX. They also have my account coded as I2 ( 30 days past due ). How can I be late on an account with a {$0.00} balance and {$0.00} past due? This coding issue as well as the late payments are FCRA violations. 2 ) XXXX XXXX is reporting a 30 day late in XXXX and they are also coding this account as I2, or 30 days past due. Again, the balance is {$0.00} and the past due amount is {$0.00}. It is impossible to be 30 days late on an account with no balance. They are also reporting an incorrect late. 3 ) XXXX has my coding correct because they are reporting this as an XXXX but they are also reporting a late payment in XXXX that is incorrect.
Company Response:
State: CO
Zip: 80204
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I ordered my XXXX report and it indicated that I still have an open checking account with TD Bank. I contacted TD Bank and they confirmed that I do not have any open checking accounts with a balance. They informed me that I need to contact XXXX in order to get the information updated and/or removed. The date it was reported was XX/XX/XXXX. The closure status says : NOT REPORTED. The amount is for {$590.00}. I paid this account off in full in XX/XX/XXXX.
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have long contented that the credit card account was not opened or authorized to be open by me and I suspected a one time member of my household opened and concealed the account from me until their passing. I have repeatedly disputed this alleged debt with the credit bureaus as identity theft with no positive result and have suffered with a negative credit entry that I am not responsible for. Today I received a letter from the alleged debtor stating an option to pay the alleged debt at a 70 % discount. Despite the fact the alleged debt is a result of identity theft I felt this might be a somewhat acceptable opportunity to settle this with the stipulation that once the debt is paid the tradeline would be completely removed from my credit reports and this matter is resolved. I explaining to the representative that this alleged debt is the result of identity theft but was willing to pay the 70 % discount with the stipulation the negative tradeline would be removed. The representative rudely stated " not going to happen '' and went on to say the tradeline could only be updated to Not Paid As Agreed. This is completely unacceptable and fails to resolve my issue of removing a negative tradeline that I did not create nor authorize. Therefore as per my rights under the FDCPA I am submitting formal compliant regarding this alleged debt in which I demand the alleged debtor provide proof that I in fact opened this account. The proof I require is a copy of my signature on the original credit application. Copies of past billing statements does not authenticate me as opening the account.
Company Response:
State: TN
Zip: 38017
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-13
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I Am Having A Problem With Problem With TD Bank With and Overdraft Fee That I Am Being Charge on My Saving Account for {$35.00} Dollars For A Transfer that was Made On My Account Via My XXXX Checking Account and TD Bank is Denied To Credit Any Fees On My Saving Account and Also Via The Customer Service Phone Number
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: TD Bank sent me a solicitation indicating that I qualify for there TD cash rewards credit card. I was previously approved due to my excellent payment history and high credit score. The reason that TD Bank denied my credit card was not based on my credit history or credit worthiness, its was denied due to the fact that I already have an existing credit card. Which I believe is against lending regulations. Credit has to be denied based on credit worthiness. In essence TD bank are infringing the equal credit opportunity act.
Company Response:
State: FL
Zip: 32773
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-11
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I went into the branch near by my employer to withdraw {$40.00}. The teller informed me I didn't have enough funds available. I spoke with XXXX XXXX, who had informed me that I somehow had been enrolled in their " Debit Card Advance '' program, meaning even if I do not have the funds to cover my transactions, the bank will cover the charges for me and charge me a {$35.00} fee each time. I thought this was odd considering I experienced a huge problem with this program in the past and was certain not to be enrolled, but I kindly asked Mrs. XXXX to un-enroll me from that option, she stated she had. Just a couple days later ( only 24 hours after my employment direct deposit was made in the total amount of {$950.00} ), my card was declined at a local grocery store. I attempted to check my account via my TD Bank Mobile App and I received an error of " too many login attempts, try again later ''. This was strange, I use " face recognition '' to login. I was unable to view my transactions all weekend. I called the number on my card and was on hold to speak to a rep for over 114 minutes each 21 times I called. The following Monday I went into the XXXX branch yet again and spoke with Mrs. XXXX yet again, and she had informed me that I was again, enrolled in the " Debit Card Advance '' program ... ... AGAIN! She un-enrolled me and informed me there was nothing they could do regarding the fees acquired and recommended I contact the number on the back of my card. I did and they refused. Still unable to view transactions I asked the rep how much the fees totaled, he replied : {$230.00}. It wasn't until yesterday ( XX/XX/10 ) when I was finally able to log on to the mobile app did I see the actual amount of fee 's I was charged for. In a 7 day period I was charged {$930.00} in overdraft fees!!! I have spoken to the reps inside the branch itself and via " XXXX '' number, including supervisors. They all refuse to credit me back the obscene amount of fees they CONTINUE to charge me. I have captured screen shots and statements of everything!
Company Response:
State: NH
Zip: 03867
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A