Date Received: 2023-08-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Company unlawfully furnished personal information on credit report and also furnished to non affiliated third parties without my consent which is illegal and not lawfully. According to USC 1681 ( a ) ( i ), transactions between the consumer and person furnishing the report IS NOT supposed to be included in a consumers credit report.
Company Response:
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In XX/XX/XXXX I received an offer to mail to open XXXX accounts with bonus. They offered to me XXXX bonus accounts XXXX XXXX for checking and XXXX XXXX for Savings. They supposed to credit XXXXXXXX XXXX last XX/XX/XXXX according to the conditions. I have a Transaction receipt number XXXX that shows the requirements and eligibility for the bonus. I went to the bank a gave all information and never call me back. I feel like TD Bank cheat me and mocking every call and every visit. I called many times to TD Bank with no answer.
Company Response:
State: FL
Zip: 33569
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I got a phone call today XX/XX/XXXX from a company from Oklahoma called XXXX XXXX. They were trying to get my information from me for an account that is not mine. It came from the bank TD bank. I ONLY USE CREDIT UNIONS FOR 20 PLUS YEARS. they harassed, threatened and called me names and threatened my credit. Two problems harassed and threatened, someone committed a crime in opening this account with my information. I hope you can extend an investigation into XXXX XXXX and TD bank.
Company Response:
State: MI
Zip: 486XX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Managing an account
Subissue: Problem with renewal
Consumer Complaint: My CDs matured on XX/XX/2023. I did not receive a renewal notice. I received an e-mail. I called a TD Bank representative and was told my CDs would roll-over into CDs at an APR of 5 % with a six month term which TD Bank is currently offering. Instead, I was put into the lowest interest rate CD at .05 %. I spoke to a bank manager and said this practice was not fair to the consumer. TD Bank has not responded to my complaint.
Company Response:
State: NJ
Zip: 07740
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is a copy to the letter I sent to the bank last week. Dear XXXX XXXX, I understand you are the General Counsel and SVP TD Bank U.S. TDBNA. I wanted to make you aware of several conversions I have had over the past XXXX to 9 months with your customer service team regarding charges to my escrow account and charges for Force Placed insurance on loan number XXXX. This was a single close construction loan in the state of FL and has converted to a standard 30 year mortgage. I am sure your CS team will have all the telephone recordings as well as the noted in your files. I receive a call from someone senior at the bank a few weeks ago who finally understood the issue and the fact that the required notices under CPFB 1024.37 was not provided in a timely manner. I failed to get her name or contact information and I can not locate her at this point. She said that she would be following up and getting back to me in a few days but that has not happened as of today. This process has been dragging on for several months now. This is not a great deal of money for me but it is the principle of that the bank has not following CBFP procedure and continues not deal in good faith with it's clients that has be concerned. If someone at the bank would have made a simple call, or sent a letter ( notice ), when they received my new homeowners policy at the time of conversion this could have been completely avoided. I believe if the this goes unresolved it could become both a CPFB and UDAP concern and I no desire to move in that direction. The property was always covered with the required homeowners insurance however as you can see there was a misunderstanding regarding an ongoing requirement for Wind coverage occurred when the loan was converted from a construction loan to a mortgage and the Builders Risk Insurance was converted to Homeowners Insurance. The details and dates are in your files so I will not go through them again here. I am sure the person that contacted me several weeks ago have all the detail in one place. I don't think we have any disagreement on the dates it details at this point. The bottom line for me is that within several days of receiving your actual notice I updated the policy to provide the missing wind coverage. I was out of the county for about a month, so I recall that I receive two notices in my box upon my return so I may of acted on the second notice. The notice was so late that my insurance company would not back date the coverage for Wind coverage this the prior period between the policy change to the date of the notice provision. I want someone to complete the review and reverse the charge for any period of time the notice was not provided which I believe is somewhere between 6 and 9 months. The rate the bank had charged may also fail to comply with CPFB 1024.37 as it the 4x the actual cost of the insurance. I appreciate your help with this matter and I look forward to your timely response. Best regards, XXXX
Company Response:
State: FL
Zip: 33444
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have a cheking account # XXXX with Td Bank named cutomer relation chect was opened with my home mortgage loan with the bank loan # XXXX. On XX/XX/XXXX I sold my car XXXX XXXX XXXX to someone I never see him but all was online .on XX/XX/XXXXXXXX I discovered that Td bank online stopped the transaction, I noticed that it was scam and fake check. After two hours aroung XXXX XXXX i was suspended online from any access to my accounts eaither checking or mortgage loan. I contacted TD Bank XXXX customer services XXXX XXXX on XXXX XX/XX/XXXX informed me that the bank took action against me by blocking me online and cancel my customer relation account. I did not do anything and I should not be punished, the one who should be punished and treated bad the scamer not TD Bank customer for above 15 years, I never ever delay payment one day or have even any credit issue. Td Bank treated me unfairly compleatly. I am a victm not criminal. I served the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, please help me.
Company Response:
State: NJ
Zip: 07307
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: TD XXXX SENT, XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX and DEBIT CARD PURCHASE, XXXX, XXXX XXXX XXXX XXXX XXXX * C 2022 I was scammed by XXXX XXXX who offered a credit repair service. First she was double paid because my XXXX said a XXXX didnt go through but instead it had a 24 hr hold. So I paid her through XXXX XXXX. Then when then I saw she was double paid I asked for one of the XXXX back and instead of sending {$450.00} back I was blocked on everything and she just took my bank I told my back they refused to give me my money back I thought thats why we banks with them they should issue both {$450.00} back or at least one because she didnt want to return the extra payment so didnt even provide the initial service. Can u please help me
Company Response:
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I made three purchases at XXXX and XXXX within the same week in XX/XX/XXXX. I used the XXXX and XXXX store card I have through TD bank. I was told my purchases in XXXX could be paid for over 6 months no interest. I already had one purchase on my card from over a year prior when I had an 18 month no interest purchase. I continued to make my payments as usual for XXXX and XXXX intending to satisfy the first deferred interest balance, then was going to adjust my payment amount to make sure I paid the remaining balance by the end of the new six month period for the new purchases. However, without my knowledge or consent, the company applied my payments for XXXX, XXXX and XXXX to EACH NEW DEFERRED PURCHASE instead of applying the payments I made in full to the promotional period ending first. I contactes customer service on XX/XX/XXXX to inquire as to why they did this. They then informed me, the the three new purchases each as their OWN MONTHLY MINIMUM PAYMENTS that were taken out of my payment before the amount was applied to the first promotional period balance. I informed them, that this was never communicated to me, and I never agreed to that. Had I known, I would have adjusted my payment amounts to reflect this. The representative I spoke with, stated to me on that recorded line on XX/XX/XXXX that if I made a payment of {$160.00} that day, they would not charge me the deferred interest. I made that payment while still on the phone with them and thought it was settled. In XXXX, I get an email saying my balance is much higher than I expected. And I look, and of course, they charged me the deferred interest. I called and spoke with customer service, they said it was too late to do anything and I would have to dispute it. They gave me an email address and told me what to say. I sent them the information via email on XX/XX/XXXX. I heard nothing from them until I called last week to check the status because they still had not adjusted my balance. The person I spoke with on the phone said they had reviewed it and denied it and that it was a " final decision ''. They also stated via email to me today that they sent me a letter on XX/XX/XXXX ( I never got it ) explaining this. I called again today because this is unacceptable and all customer service does is tell me they don't have anyone else I can talk to. At every point in my attempt to communicate with this company beyond the front facing customer service I am told I'm not able to speak with anyone. I resubmitted another dispute via email today, hoping that whoever reads it realizes they are in the wrong, however I have no confidence in this. I can not afford to pay the deferred interest and need them to correct this immediately. Deceptive marketing practices, improper communication and access to appeals are a big issue here.
Company Response:
State: NY
Zip: 13027
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My CD matures on XXXX. I understand maturity to mean being able to get my money back, unless I direct otherwise. TDBank refuses to comply unless I visit my branch or spend time and money in sending a notarized letter. As I am out of the country, I can not visit my branch. As I have the right to get my money back without further action, I do not want to spend effort and money to notarize a letter and rely on the international post to deliver my letter in time.
Company Response:
State: NJ
Zip: 07030
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Check my credit seen an account i was a victim of identity theft.
Company Response:
State: MI
Zip: 48239
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A