Date Received: 2018-12-31
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Can't get monthly breakdown of interest vs. principal applied to the loan. Used to get that detail on their online banking site. They then " upgraded '' their online banking and this information is no longer available. Then had to call and request statements. They sent me one statement. Now they refuse to send me statements with this required information.
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2018-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-30
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: Im an XXXX XXXX owner and did received a fraudulent email which was pretend to be XXXX but what a scam. I did submit all information such as social security number, current address, maiden name date of birth, and full name. Also a credit card information, number and security number, although I did contact my bank and block credit card.
Company Response:
State: SC
Zip: 29016
Submitted Via: Web
Date Sent: 2018-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XXXX/TD Account Type : Credit Card Account Verified : XXXX Hight Balance:XXXX I payment on time, and payfull Balance, Why closing my account! No notification
Company Response:
State: CA
Zip: 91733
Submitted Via: Web
Date Sent: 2018-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-29
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: {$200.00} that I deposited when opening my account was either lost or stolen by XXXX XXXX XXXX, perhaps through money laundering. The supervisor was shockingly unable to even track or see the {$200.00} that was debited. There appears to be rampant fraud or shocking incompetence at TD Bank for they to have lost {$200.00} or cover up the theft of {$200.00}.
Company Response:
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2018-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: The promotional opening account bonus has not been credited in a timely fashion.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2018-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Account opening promotional bonus not credited within 95 days as stated in the terms.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2018-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: on XX/XX/XXXX I called TD Bank and spoke with a representative in regards to suspicious activity on my account. they I formed me I had to go to a branch to complete an affidavit. That same day, I went into a branch and explained to them that money, in the amount of {$3100.00} was deposited in my account to then be withdraw only this time my money was withdrawn in addition to.the amount that was deposited. someone illegally withdrew money from my account in the amount of {$1000.00}. the bank 's approach was unfair. they said that their personnel are not trained to question any amount of deposits or withdrawals and that they will not be able to credit my account until.yhe investigation was completed, which can take up to 30 days. they had no issue giving money to someone other than me but they give me a difficult time when I ask for my money to be credited to my account.
Company Response:
State: NY
Zip: 10461
Submitted Via: Web
Date Sent: 2018-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-27
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as ofXX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2018-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-27
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Home equity loan with TDBank. Original complaint with cupboard case XXXX. TD bank admitted their error in not telling us the interest rate. I was prequalified for Prime minus 1.01 %. That is not what I got. Felt like bait and switch tactic used by TDBank. They promised to lower my existing rate by .50 % on XX/XX/2018. I have this in writing from XXXX XXXX, advocate & customer experience advocate. I see this was adjusted once. It should be for the life of the loan. XXXX is unresponsive as well as was XXXX XXXX and also their manager XXXX XXXX. They will NOT discuss this over the phone. Emails are unclear. Others go unanswered. I tried to file a complaint with the Federal Reserve only to find TDBank is not in their jurisdiction. Where can I go from here? They are a XXXX XXXX firm. Can I appeal to an agency in XXXX? Can someone give me the name of the CEO or the executive in charge of consumer satisfaction? I want appeal further. XXXX - XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-27
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I purchased a new vehicle in XX/XX/XXXX from a dealership, who coordinated a loan with TD Auto Finance, which I used to finance approximately $ XXXX over 5 years for {$370.00} / month. We made our first two payments in XX/XX/XXXX and XX/XX/XXXX via checks on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, we set up automatic payments and made an online payment for the month of XX/XX/XXXX. I was notified via email on XX/XX/XXXX that autopay was setup and would be effective on XX/XX/XXXX to cover the XX/XX/XXXX payment. Additionally, we received a letter from TD Auto Finance on XX/XX/XXXX notifying us that our auto pay was setup and that it would begin auto paying on XX/XX/XXXX and that this would continue until the final payment was due in XX/XX/XXXX, which would be a different amount that we would be notified of via mail. TD Auto Finance never again contacted us via phone, email, or mail over the next 4.5 years. Every month I saw the {$370.00} deducted from our account and assumed that everything was processing as it should with the loan. The next communication we received, 4.5 years later, was a notice that our final payment for {$440.00} was due, along with {$1600.00} in late fees for a total of {$1900.00} due. We had no idea what these late fees were for, nor did we ever know we were past due on anything. I contacted TD Auto Finance on XX/XX/XXXX and was informed that during autopayment setup, they believed that a payment was missed and so every payment since then was considered late and was charged a late fee. I asked to speak to a manager and was told I would receive a callback in 24-48 hours. I never received a callback. I contacted TD Auto Finance again on XX/XX/XXXX and spoke to XXXX XXXX who was eventually able to connect me to her manager, XXXX XXXX. I asked Ms. XXXX why I was never contacted about a late fee, and she told me that they had two bad phone numbers on my account, XXXX and XXXX. The XXXX number is a generic corporate number for a former employer of mine, but the XXXX number is not a phone number I have any affiliation with and I have no idea where they got it from. Further, she said that they do not use email at TD Auto Finance due to security issues, even though they previously notified me via email that my auto pay was successfully setup. She said they never contacted me by mail because they thought I did not want to be contacted after my online sign up for auto pay, which is obviously ridiculous to think I would not want to be contacted about late fees accruing over the course of 4.5 years. Ms. XXXX did not offer any possible resolutions to the {$1600.00} in late fees and complete and total lack of communication by the company. Further, when presented with the details about our payment continuity through XX/XX/XXXX to XX/XX/XXXX, she just said that she had seen this before and we must have missed a payment, even though we have records showing the date each payment had been made, which makes me wonder if this is a regular practice of the company. At this point TD Auto Finance been charging me late fees for what I believe to be their mistake and they let this continue for 4.5 years without ever attempting to contact me via communication channels that they previously used to get in contact with me. This is clearly an unethical business practice used to charge ridiculous fees that will not be noticed until a loan comes to its final payment.
Company Response:
State: OH
Zip: 45150
Submitted Via: Web
Date Sent: 2018-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A