Date Received: 2023-08-02
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: Purchased car from XXXX XXXX in XXXX, NH in XX/XX/XXXX. Dealer arranged for finance through TD auto finance. Vehicle was delivered to our home in XXXX. Now, in XX/XX/XXXX, we moved to XXXX from XXXX. To register our car in XXXX, the local MVC/DMV would need a filled title form from TD auto finance. We faxed the right form to TD auto finance several times during XXXX XXXX. To date, TD has NOT sent us the filled out form citing reasons that XXXX XXXX messed up/lost title or any lame reason. Now, we have an unregistered car sitting idle and not drivable due to the sheer ignorance and recklessness of TD auto finance. Our 50+ calls for the last year got us nowhere and we have been immensely stressed about this. There are several similar complaints against TD auto on various websites. Please help.
Company Response:
State: NJ
Zip: 08520
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received a promotional offer via email ( attached ) on XX/XX/23 to earn XXXX points on my TD Double Up credit card for making 5 digital wallet transactions by XX/XX/23. I completed those five digital wallet ( XXXX XXXX ) transactions on XX/XX/23 but have not received the bonus points despite waiting well past the terms of the promotion that said " Bonus Points will be deposited within the next two billing cycles after the promotional period is completed. '' I sent a secure message on XX/XX/23 requested the missing points be credited, but did not receive a reply. I followed up via another secure message on XX/XX/23 and received a generic message about how to manage my reward points online and not addressing the problem.
Company Response:
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In viewing my monthly TD Bank statement, I noticed a posting ( XX/XX/XXXX ) of {$900.00} that I wasn't aware of. I called customer service immediately and disputed this transaction. The rep. was helpful to what steps I need to take in which I would need to file a claim. I went to my TD Bank and spoke with XXXX XXXX ( XX/XX/XXXX ) about the problem and began to do the paperwork submitting the fraud claim. XXXX XXXX mentioned to me that the funds would take a few business days and it needed to be posted first, in order to receive the credit. amount. On XX/XX/XXXX, I received a letter from TD Bank stating due to their findings that I ( XXXX XXXX ) authorized, benefitted, consented from this transaction, and I was denied and if my account was credited it will be reversed on ( XX/XX/XXXX ). On ( XX/XX/XXXX ) again, I spoke with TD Bank rep. and this time the rep. said to call XXXX XXXX in which I did and spoke with XXXX XXXX in the fraud dept. She traced the name to a XXXX XXXX in XXXX. I ask her for documentation so I can give TD Bank. On XX/XX/XXXX I followed up on my claim XXXX XXXX and spoke to XXXX XXXX. As our conversation continued he explained to me what steps I needed take. He suggested that I should file a claim with the following agencies : FTC and XXXX. That I did. On ( XX/XX/XXXX ) I went back to TD Bank with all of my paperwork and did meet with the bank VP/Manager XXXX XXXX XXXX XXXX Paperwork included : Letter to TD Bank Corp Headquarters, FTC filing and IC3. On ( XX/XX/XXXX ) received from TD Bank Branch, South Carolina, spoke to XXXX XXXX and I notified her that will be filing a new claim. She said it probably get denied again, but I can try. The new case # XXXX. The old case # XXXX. The XXXX XXXX case # XXXX. As of XX/XX/XXXX, received 2nd letter stating they denied my claim, TD Bank said, they have my name and address and telephone regarding this transaction, I said, what about my mother maiden name for proof and my father 's or my dog. Scammers can get your name, address and telephone off the website.
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Received notification that I have had an identity theft. A bank account with TD bank was opened in my name.
Company Response:
State: VA
Zip: 241XX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Today XX/XX/2023 I received an alert that someone has applied for a credit under my name with TD Card Service so a hard inquiry it was placed on my credit report, i did not authorized any application or nether i did any application with TB Bank Credit service, so I believe my information it s been used fraudulent.
Company Response:
State: FL
Zip: 32216
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: There was an account opened under my name without my knowledge. It was a TD bank checking account. As a result they used {$2100.00} and the account is in the negative and wont let me open a new one.
Company Response:
State: NY
Zip: 10461
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In the year of XXXX, XXXX, I paid {$1400.00} to a merchant called " XXXX XXXX XXXX '' who were assigned to build a website for my small business, " XXXX XXXX. '' In the time between this complaint and that payment, XXXX XXXX XXXX ( XXXX XXXX ) utilized delaying tactics to essentially avoid providing the service paid for. Upon further review it was found on the XXXX XXXX XXXX that this company is known for having used these tactics against many individuals-often those whom do not have the means to build a complete website but need customization that stretches beyond what the current market offers to those who do not know how to code nor build a website. This company and its representative disappeared 3 months ago and they have not delivered the services I paid for, which is a completed website. On XX/XX/XXXX I filed a chargeback dispute with TD bank-both on my credit card and debit card accounts. The credit card dispute is a separate claim but regarding the same company for differing amounts there. We are concerned with the debit card dispute being regarded in this complaint. Twice TD denied the dispute since-on XX/XX/XXXX and XX/XX/XXXX claiming that " .... Due to the fact that this is an authorized transaction related to a merchant dispute, we recommend resolving this matter with the merchant directly .... '' Upon a phone call I made with the TD bank, I was advised by their general support team that the XXXX guidelines for chargebacks limits their power to recoup funds paid for by their customers by 120 calendar days since the date of the transaction. I was also told by that same individual that there is no recourse. However upon speaking with a separate department, a person named XXXX advised I would receive a phone call by an individual whom specializes in these matters this week-the week of XX/XX/XXXX. I am now awaiting this phone call and will follow up on this dispute upon resolution of this matter. I want to provide TD bank an opportunity to resolve this. UPDATE : So as of today, XX/XX/XXXX, I have spoken with 2 other supervisors whom claimed someone from the claims department would call me to offer additonal information. However they keep on implying that this department will only tell me that XXXX 's guidelines restrict the length of time a person has to submit a dispute. However upon checking XXXX 's guidelines, this does not apply to scams and those who have fell vicitm to it. The merchant disappeared and the bank has done nothing to help me recoup my funds.
Company Response:
State: NY
Zip: 10022
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: They closed my account for no reason and are now are not trying give me my funds remaining in the account. it has been XXXX weeks since my account has been in the process of being closed and they keep giving me excuses to not give me my money remains in the account.
Company Response:
State: FL
Zip: 33014
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: The account number for TD Finance is XXXX and im gon na make reference to the old complaint XXXX because I been asking for the authorization to move the vehicle to Puerto Rico and they answer me that go to DTOP to start the process but for the process the authorization has to be notarized. I appreciated for all your information in the past complaint and all the hrlp you can give me with this last step. thank you
Company Response:
State: PR
Zip: 00923
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I purchased a television from a friend advertised as new on XX/XX/2023, for {$300.00}. My friend tricked me into buying a dilapidated tv. I initially contacted TD Bank back in XXXX and told them that I was dealing with this situation but that my friend was going to pay me back. They advised me to hold off and wait to see if the friend would pay me back. The situation has escalated recently because the friend has no intention of paying me back. His father was arrested due to scamming. My friend and his father are both scammers. TD Bank is not being helpful at all in this situation.
Company Response:
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A