Date Received: 2019-02-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a store credit card with XXXX/XXXX XXXX XXXX. I have always made my payments on time. I have noticed while looking over my credit report that there was a 30-day late payment on my credit report on all 3 bureaus. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and XXXX and XXXX/XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and XXXX are all reporting me late. There was definitely an error on their part. I was never 30 days late.
Company Response:
State: CA
Zip: 95008
Submitted Via: Web
Date Sent: 2019-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-06
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I received a loan through TD Bank for my business. The loan is backed by XXXX. When we did our business plan we asked for {$50000.00}. They only allowed us {$25000.00}. when we finally received the loan, which took forever, renovated the building and then applied for XXXX two common license us. From XXXX, when we got the loan until XXXX XXXX did not come out. XXXX took 5 months to give us our license. it only takes 45 days to become licensed. XXXX fired the lady who did this to us but, we are still in a bad situation. We ask the bank to increase our loan and work out a repayment with us. But they refuse to connect with us. speaking to other lenders, they said that this Bank did I said end justice anyway. Now we are requesting for more funds and to work out a different payment arrangement. We have now become behind on our rent by {$3300.00}. TD Bank should be made responsible for answering consumers questions and making sure that they are knowledgeable of what they're doing. The reason it took so long for us to get our loan is because they kept telling us we were approved and then telling us that they need additional paperwork. My loan officer kept saying she didn't know what she was doing. I feel like they shouldn't have new people in that position if they don't know how to do the job
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-06
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 have a credit card from TD Bank.Statement issued on XX/XX/2019 of this credit card had a credit balance of {$2.00}. I called this bank & request a check for {$2.00} on XX/XX/2019.I did not receive any check from this bank till today. Although, I called several times after XX/XX/2019, but no good luck in getting my credit back from them Customer service of this bank was very bad. They do not have any respect for customer.I am very frustrated with their customer service.
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2019-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-06
Issue: Money was not available when promised
Subissue:
Consumer Complaint: My wire transfer is held due to a US OFAC Investigation Request XXXX, details XXXX I would expect a delay related to this, but I would also expect due diligence and expedite responses from banks about this issue. The Sender XXXX XXXX has replied back to messages and request for information though ON-LINE security messages, but the receptor TD Bank miscommunication and delayed response is adding unnecessary delay on this investigation. I request XXXX XXXX to notify the recipient of this wire transfer delay, but they replied is under the TD bank compliance option to notify their customers. I contacted TD Bank customer service and ask them to notify the recipient beneficiary of the delay of this wire transfer. Even I did not request any information or details, they refuse to notify its customer about this transfer delay. TD Bank stated is following Privacy and security measures, but I did not request any information, just ask to notify its customer about this transfer delay Please note I have replied back to TD Bank with details requested by TD Bank, and they reply back three or four days after, and asking for more information. I believe they should request all required information at once, and not taking two or three days for each response. I also believe should have the courtesy to notify the wire transfer recipient about such delays, and expedite responses and request for updates from the sender bank. The original wire transfer was initiated on XX/XX/2019, and today XX/XX/2019 I am still in the " limbo '' about the status of this wire transfer. Sender : XXXX XXXX Acc # XXXX From XXXX XXXX Amount : {$1000.00} Date : XX/XX/2019 Recipient : XXXX XXXX XXXX XXXX ACC # XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX
Company Response:
State: TX
Zip: 79912
Submitted Via: Web
Date Sent: 2019-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-06
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: In XX/XX/2018, the final payment on my auto loan with TD Auto Finance was to be paid. Throughout this loan, it was set up on auto pay. TD Auto Finance turned off auto pay, and I did not receive information of this until 90 days due, which I then made the last payment. I have contacted TD Auto Finance, noting this and they responded " After reviewing your dispute and the facts your provided, we concluded that we are correctly reporting your account history and other relevant information to the credit bureaus ''. Completely crazy that the failure for them to take payment is a reportable reason.
Company Response:
State: MA
Zip: 01701
Submitted Via: Web
Date Sent: 2019-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My name is XXXX XXXX and I had a small business account at TD Bank at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The name on the account was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Three months ago I noticed a deposit of {$4000.00}. I had no idea who made the deposit and I went directly to my bank to see what was going on. It seems someone made 4 {$1000.00} deposits to the bank and I notified XXXX XXXX a financial services representative of the bank that this was a fraud. She then froze my account and I was locked out and I could not even get a to see my account online. In three days they found out that as I told them the checks were no good and the bank still keep my account frozen and charged me 4 {$20.00} fees and a charge for being overdrawn. I was not allowed to make any deposits into my account from the moment it was frozen. The bank made me fill out an affidavit of fraud for each check and they sent me a copy of the check for me to review. All four check where never signed by issuing party and the signature on the back of the checks was not mine. I have made 9 trips to the bank and I was informed that someone sent in another check for around {$9800.00} while the account was frozen and they accepted it but they have never shown me a copy of the check and this one also bounced and once again the charged me {$20.00} for a return check and {$35.00} for a service charge. I received a call from the fraud department and I made them call the head teller to verify that this person worked for the bank. After I talked to this individual he informed me that he was looking into the matter and would get back to me. I have never heard from this person since that call. I have been working with the head teller, assistant manager and two financial reps and I was informed that the bank was working on it and I had no worries and they were not going to do anything until the end of XXXX. At the end of XXXX, they closed my account and turned it over to a third party to collect the fees the bank charged for the bad checks, even though my account was frozen part of the time and they were warned that the checks were a fraud.
Company Response:
State: VA
Zip: 20191
Submitted Via: Web
Date Sent: 2019-02-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I contacted XXXX XXXX on XX/XX/2019 at XXXX XXXX to payoff debt. At that time I was told a phone payment can be taken and it would take 14 days to process. As requested, I provided the bank information to complete payment. A continuation of the court proceeding occurred till XX/XX/XXXX but to date, the company has not completed the debit. I later receive a stipulation notice necessary to complete from the debt collector which is not required to make a payment. Repeated calls to the attorney and the collection line is going unreturned. As such, I made a requisite payment via phone to the advertised customer service number and no one would answer the phone nor respond to any communication. I simply want to pay the debt and have the company to stop contacting me about signing agreements to make full payments when I called on XXXX to make the full payment as requested by the legal demand letter.
Company Response:
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2019-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX client, XXXX XXXX is a victim of identity theft. He was notified by your bank of an application submitted to TD Bank XX/XX/2019 using his information without his consent. An inquiry was made into his XXXX credit report based on that application. An account was established based on that application. TD Bank was first notified of this fraudulent account XX/XX/2019 via a phone call and my client was told not to worry that TD bank was going to address this issue as fraudulent. An official dispute of this account was provided to TD bank XX/XX/2019 however my client received a bill from TD Bank concerning payment for this fraudulent account. This is a known fraud issue and by law, FDCPA, TD Bank CAN NOT attempt collection effort of communication with the client until an investigation has been conducted. Currently TD bank is in violation of the FDCPA and the FCRA.
Company Response:
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2019-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-04
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: XXXX refuse u tell me why I still have a balance and the represanative hanged up the phone on me What ever purchase I did I returned and I still have balance????
Company Response:
State: CA
Zip: 92656
Submitted Via: Web
Date Sent: 2019-02-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-02
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I had submitted an immigration related application to XXXX and paid the fee through my checking and routing numbers. At the time the application went through. However, 3 days later I received a notice saying that my application was rejected because my bank had refused to pay the fee. The fee was XXXX while I had almost 1800 in my account. This is a pattern with the bank where they have been rejected payments without consulting or notifying me.
Company Response:
State: NY
Zip: 11704
Submitted Via: Web
Date Sent: 2019-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A