Date Received: 2023-07-28
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: I bought a vehicle in XX/XX/XXXX and financed it with TD Auto Finance ( division of TD Bank, NA ). In XX/XX/XXXX I refinanced the vehicle with my bank after multiple issues dealing with TD Auto Finance. They have not released the title to my bank, and my vehicle state registration is now 2 months expired. The state will not renew my registration until the title is filed properly. We did not know about this issue until XX/XX/XXXX when we tried to renew the registration. We have called TD Auto multiple times, filed complaints with the XXXX, called the DMV and called our bank multiple times. We are at risk of getting a citation every time we need to drive this vehicle, and have made payments every month. From what I can find online, legally they have 30 days to release the title, and it's been 8 months. TD Auto Finance XXXX ( Former lienholder, still holding title ) TDECU XXXX ( current lienholder as of XX/XX/XXXX )
Company Response:
State: TX
Zip: 783XX
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Someone withdrew money from my TD bank account on XX/XX/XXXX. We notified the bank on XX/XX/XXXX who is now investigating
Company Response:
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: TD BANK ALLOWED ME TO OPEN A ACCOUNT ONLINE IN XX/XX/2023... ONLY THEN TO RESRICT M ACCOUNT A FEW MINUTES LATER. I CALLED FOR XXXX DAYS TRYING TO FIND OU WHY M ACCOUNT WAS CLOSED. I WAS TOLD I HAD TO DRIVE XXXX MILES TO THE NEAREST BANK TO VERIFY MYSELF. THEN WHEN I REQESTED THAT MY ACCOUNT BE CLOSED I WAS TOLD 'NO. ' THEN I WAS TO SEND A LETTER AND NOTARIZE AND SEND IT TO A LOCAL BRANCH TO CLOSE THE ACCOUNT. I THEN RECEIVED A LETTER A WEEK LATER ASKING ME TO CALL TO BE VERIFIED. EACH TIME I GAVE THEM HE CODE THEY REFUSED TO ACCEPT MY CODE. THEN A PERSON NAMED XXXX ACCUSED ME OF IDENTITY THEFT. TD BANK REFUSED TO LISTEN TO ME ... WHEN I TOLD THEM IT WAS ME. THEY WERE RUDE AND MEAN. THE PEOPLE A THEIR BRANCH LOCATTIONS DID THE SAME THING. I WAS TOLD TO CALL HE BRANCHES O VERIFY ME. WHEN THEY VERIFIED ME HEY STILL REFUSED TO BELIEVE ME. I HAD TO CALL THEM FOR A WEEK TO GET THEM TO LISTEN. I THEN HAD TO WRITE A LETTER AND HAD I NOTARIZED TO HAVE MY ACCOUNT CLOSED. I SENT IT TO XXXX IN XXXX XXXX THEY EVEN MADE ME CRY!
Company Response:
State: VA
Zip: 23061
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX. XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 To the Consumer Financial Protection Bureau ( CFPB ), Subject : Unfortunate Experience with TD Bank - Mishandling of False Situation and Unauthorized Reversal of Check I am writing to share my deeply unfortunate experience with TD Bank , which has left me deeply disappointed and frustrated with the level of service provided by the bank. As a growing small business owner for almost three years operating a XXXX XXXX XXXX business, I believe it is essential to make others aware of the challenges I faced when dealing with TD Bank. My XXXX involves supplying restaurants, other wholesalers, and retail stores with high-quality fresh produce. I have maintained a positive and professional relationship with most of my customers for almost three years, ensuring timely deliveries and fair pricing. Recently, I encountered a distressing incident with one of my long-standing customers. After delivering an order to this customer, I received a check as payment, which was the standard method we have been using for transactions without any prior issues. Following standard practice, I deposited the check into my business checking account through an ATM. The check was cleared, and the funds were reflected in my account balance the next morning. However, the following day, the customer contacted me to cancel the check, citing dissatisfaction with our pricing. In a courteous manner, I addressed their concerns, explaining that our pricing is based on the costs incurred to provide top-quality products and services. I also emphasized their freedom to choose alternative suppliers if they were not satisfied with our offerings. At no point did I pressure or coerce the customer into working with our company ; it was their decision to collaborate with us. Despite my professional response, the customer decided to take matters into their own hands. They made false claims to their own bank, seeking to reverse the check they had issued to me. Unfortunately, TD Bank accepted their false claims without seeking any verification or clarification from my end, leading to the unjust reversal of the check. This resulted in a significant financial setback for my business. In an attempt to rectify the situation, I reported the matter to the XXXX Connecticut Police Department, where the customer 's restaurant is located. The owner of the check confessed to the police about his lying efforts and misleading information and promised to address the issue he had caused. However, he failed to take any action to correct the situation and even refused to cooperate. I also informed TD Bank about the customer 's deceptive actions and provided them with supporting evidence, clearly demonstrating the false claims and manipulation of information. Unfortunately, the bank remained unresponsive and provided no satisfactory information as to why they acted against my interests without informing me or verifying the facts. I write this letter to caution others about my unfortunate experience with TD Bank. As a XXXX XXXX, I believe it is crucial to work with a bank that values its customers and prioritizes fairness and transparency. In this instance, TD Bank 's handling of the situation demonstrated a lack of consideration for my rights as a customer and a lack of adherence to ethical banking practices. I hope that by sharing my experience, others can make informed decisions about their banking relationships and choose a bank that upholds high standards of customer service and integrity. Thank you for taking the time to read my account of the unfortunate events that transpired with TD Bank. Sincerely, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX.
Company Response:
State: MA
Zip: 02453
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Hi, TD Auto finance is not acting like honest creditor. I paid off my complete loan payment according to contract signed and at the end they keep asking little more few XXXX dollars without any further explanation and that bill they did send timely. According to my understanding I paid off all loan including interest and charges more then {$42000.00} and every payment gone by electronically proof. And at the end every single XXXX paid of and I have letter issued by them Paid in full notarized letter but unfair act they did is last payment they received and mentioned that amount charged off without authentication. Even they unreasonable amount I paid them off and their was no reason to mention charged off while they have all money in their pocket. This unfair action and negative act hurting my credit report and restricting me for getting any further vehicle loan. Please take action of this cruelty of TD Auto finance.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a letter from TD Bank verifying whether or not I opened a bank account. I called them immediately to let them know that I did not open the account. My SSN was used.
Company Response:
State: PA
Zip: 175XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: During a business trip to XXXX, XXXX XX/XX/2022 I attempted to make a cash withdrawal at an ATM on one of the major streets in XXXX tourist area. I selected an international ATM ( one out of four ATMs ) and inserted my card into the machine and, usual order, was prompted to enter my password. After doing so nothing happened and I was given no further prompts. Assuming that something was wrong I pressed the cancel button several times but to no avail. My card was captured by the ATM. As I left the machine my TD Alerts started sending me messages ( see below ). I realized that the ATM machine had been manipulated and someone had my passcode and had been attempting to make withdraws. The first attempt of {$2100.00} was declined as it exceeded the available balance but unfortunately, they were successful with the two following withdrawals amounts ( {$120.00} and {$1000.00} ). Shortly after I received TD Banks automated text message asking if I approved a ( fourth ) withdrawl. At that time, I was able to stop the withdrawals. I immediately called your fraud center to report the incident and have my card canceled. By then it was obvious to me that the ATM machine had been tampered with and someone has inserted a reading device and I was subject to " skimming '' When back in the US, I called a TD Bank representative and formally reported the incident. XX/XX/2022 I received a response from TD Bank " Disputes & Claims '' ( Subj, XXXX ) denying responsibility advising that " your chip card was in your possession, during an in person transaction ''. Some time thereafter, I went to a TD branch and advised them that this was not a relevant reply or reason as my card was not in my possession. It was caught in the ATM machine. The branch representative filed a new dispute on my behalf and asked me to return in a few weeks. After a month I called him and he advised it was declined again. I was given no reason and there was no possibility for the bank to talk to directly to the XXXX XXXX! In early XXXX this year I decided to try to file a third ( and last ) claim. I received a reply XX/XX/XXXX, ( XXXX. XXXX ), again, denying my claim. The reason given was " XXXX was not utilized after you notified us to close the card ''. Obviously, this is not a relevant response as the culprits last attempt to withdraw funds was denied ( as I stopped the withdraws based on the text message received from TD Bank ) and it is highly likely that they discarded the card after the last attempt. I feel I have exhausted my attempts to get the monies refunded. Nor am I able to talk directly to anyone in the fraud department and explain the situation. By the replies received, TD Bank does not fully understand how this happened ( as I have submitted written testimony, this would be unlikely ) or they are fabricating automated replies in order to exhaust me ( likely ). I might add that I am a longtime customer with TD Bank. I ask you kindly for your assistance in this matter. Yours sincerely, XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of fraud, this account has hindered my ability to buy a home for my family. I have made a police report and I need help!
Company Response:
State: TX
Zip: 77478
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I hereby submit a formal complaint against TD Bank, a financial institution operating within the jurisdiction of the Consumer Financial Protection Bureau ( CFPB ), for egregious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. On the date of XX/XX/2023, I diligently transmitted a dispute directly to TD Bank via facsimile ( FAX ), and I possess irrefutable evidence, in the form of a confirmation receipt, affirming their receipt of said dispute. To my profound dismay, despite the unequivocal proof of receipt, TD Bank has, in contravention of its statutory obligations, disregarded my dispute, manifesting a complete absence of action in response thereto. It is my firmly held conviction that TD Bank 's wilful refusal to investigate my dispute and expunge the inaccuracies persisting on my credit history transgresses the tenets of the FCRA. The FCRA mandates that financial institutions undertake good-faith investigations into consumer disputes and take necessary actions to ensure the veracity and precision of consumer credit reporting. The deleterious ramifications arising from the presence of these erroneous marks on my credit report are not inconsequential, as they have culminated in an adverse impact on my creditworthiness and financial standing. TD Bank 's flagrant negligence in addressing this matter constitutes a pernicious breach of my statutory entitlements as a consumer. Furthermore, through a series of telephonic engagements with representatives of TD Bank, I have elicited repeated acknowledgments from the aforementioned personnel conceding TD Bank 's culpability in the reporting errors. Regrettably, these verbal admissions have been met with obstinate inaction, and the inaccuracies persist unremedied. In light of the gravity of this matter, I respectfully beseech the Consumer Financial Protection Bureau to promptly intercede. I implore your esteemed office to undertake a comprehensive investigation into the systemic violations perpetrated by TD Bank and to vigorously enforce the full panoply of remedies and sanctions available under the FCRA. Your invaluable assistance in effectuating a judicious resolution to this peremptory matter would be an exemplar of the CFPB 's unwavering commitment to safeguarding consumer rights. I earnestly request that I be apprised of the investigative proceedings and ensuing measures employed to address this exigency. Thank you for your expeditious attention to this momentous issue. I anticipate, with sanguinity, the consummation of an equitable and expeditious resolution to redress the iniquities perpetrated upon me. And yes, I am an attorney : )
Company Response:
State: FL
Zip: 33180
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2023 I received notice of a hard inquiry into my credit report that was made by TD Bank XXXX XXXX XXXX XXXX have not applied for any credit cards and have not applied for anything that would require a credit search. I have no associates with TD Bank and am not opening a Credit card with XXXX. More importantly, I did not authorize anyone to do a credit search and I believe this to be fraudulent. I am also worried that my identity may be jeopardized and am unclear how my information was leaked. Information of the inquirer : XXXX XXXX XXXX XXXX XXXX, MN XXXX.
Company Response:
State: NY
Zip: 10027
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A