Date Received: 2020-07-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was out of the country for over 105 days. and my automatic payment with XXXX XXXX was missed. XXXX XXXX and TD Bank sent me a letter of this not an email which would have allowed me to reinstall the insurance. TD bank charged me at the rate of {$350.00} per month when my normal home insurance was {$60.00} a month. They charged me the insurance in arrears as the period had already happened, Insurance cancelled XX/XX/2020, I returned to see the mail XX/XX/2020and I will pay this black market rate or never clear my mortgage. This is insurance usuaryand is unacceptable. Upset I went to pay off my mortgage on XX/XX/XXXX less the insurance charge. Today XX/XX/2020 I find they have not credited my mortgage payment yet, my bank account balance was deducted immediately.. Even though I paid the full mortgage balance plus accrued interest through XX/XX/XXXX, I find they are still charging me interest on the full mortgage balance through XXXX. I believe this to be illegal. Covid 19 allows the bank excuses the call center phones are backed up, TD '' s mortgage section can not give you a true payoff, and they can only correspond with the mortgage originator not talk to them and they work for the same company. This kiting practice should be investigated.
Company Response:
State: ME
Zip: 04011
Submitted Via: Web
Date Sent: 2020-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/2020 I asked about getting a forbearance however when the representative said that after the end of the 3 months I would have to pay all the missed payments if I didn't want it to show on my credit report. I told him that wouldn't help me and that I was going to keep making my payments. He never told me that there was going to be a forbearance note on my credit report. Also, I have called 5 times in the past 3 weeks asking to cancel this and they keep saying they are going g to send it but I have not received it. I asked again for them to send a confirmation it was sent and she said she was going to call me back and never did. I have been transferred to other debts that can't help me. I NEED HELP ... they are standing in the way of my mortgage refi that would lower my rate from 4.5 with mtg insurance down to 2.99! The refi company needs the letter ... now.
Company Response:
State: NJ
Zip: 07104
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
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: To whom it may concern I have been loyal customer to TD bank credit card for over 5 years and during the 5 years I never missed a payment under any circumstances and been paying higher interest to them and fees more then XXXX $ over the years. Recently and when the covid 19 pandemic had started in XXXX I lost my job like to many New Yorkers and lost my uncle due covid 19 and I had the worst Financial situation in my life I called my bank begging for help and trying to explain to them how bad is the situation here XXXX at the time but they werent even ready to hear my story they said we can help you because you late already 20 days or so. that call was made In the middle of XX/XX/2020 and they said there is nothing we can do to help you. You still have to pay us the high interest and the late fees otherwise we will report you to the credit agency as a missed payment. also, I called later on XXXX to beg them to not report me as missed payment after they report missed payment for XXXX their answer were the same I begged them to report me at least as ( affected by the pandemic ) not missed payment and yet they refused and were so heartless and money hungry they were waiting for 5 years to do that to me. 5 years of perfect payments which they didnt like because they couldnt charged me higher interest then which is already high 24 % interest rate. Please help to stop these big bank who took advantage of me because the pandemic and destroyed my Financial history. These big bank didnt follow with care act specially TD bank with I had to beg for help that I never got from them .and kept reporting me as missed payment like I choose to to miss payment and they forgot it was all out my control and I was a victim of a natural or declared disaster. Nevertheless, I called XXXX to ask for their lawful help and my right from the CARE ACT but they werent helpful at all and rolled for the big bank favorite and said even tho it was pandemic you were still have to pay them the only time you wont have to be them its if you dead.
Company Response:
State: NY
Zip: 116XX
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
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: I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I deposit check by Mobile deposit on XXXX with {$250.00} and the check has my name on it and deposit it in my checking account in TD Bank and on XXXX that money token from my account and i called bank many times and for each call they said diffrenet reasons and one of reasons that i deposit the check two times and i didn't and i have prove from the bank that i didn't but last call they said in XXXX the check deposit in diffrenet place ( it is not me ) ... and i am not trust the bank and trying to neglact me many time, ,even if somebody found the check and deposit it ( for who this check and with whom name and who deposit it first ) ..check number is XXXX
Company Response:
State: NY
Zip: 10472
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I purchase a XXXX from XXXX XXXX XXXX in XXXX, Ca. They sign me up with XXXX XXXX. I received my car registration and it stated that TD Auto Finance was the lienholder. I called the Dealer and they inform me that it was their right to sell the loan to another company without notifying me. They said that TD Auto would send me the ensuing paperwork. They only sent me a bill no other paperwork. Told me to go online and set up auto pay. I did that by submitting all my pertinent information. The XX/XX/2020 payment was taken out of my checking. I received a letter saying that the cancelled XXXX XXXX XXXX amount was forwarded to TD Auto. They also stated that they sent the Gap Insurance Payment was sent to the dealer. I was informed by my Credit Card that I had a late charge involving my XXXX alert. I called TD Auto they said that I had missed my XXXX payment. I asked how could that happen when I had set up Auto pay from my checking account on file. XXXX from TD Auto said that a check from the maintenance was not paid. The Auto pay was cancelled so no more fees would occur. She supposedly didn't see all the information and could not give me a concise answer. I was told to contact the one that sent the check. I indeed contacted them and they Sent me the cancelled check with front and back supporting that it was cashed. I see where all of this occurred with enough time to inform me that they cancelled the Auto pay. My credit card said that it was reported to XXXX. Thats was why I called them and was made aware of the above after the late fee and missed payment. I paid what they reported was owed. After receiving the cancelled check I was lied to openly by TD Auto. They cashed the check close my checking account from Auto Pay and reported me to XXXX XXXX XXXX all while they were paid. Since they are not on the same page with their reporting. A look into my file would have sufficed with me waiting for an answer. But they did what they wanted with distributing their information with out contacting me after I submitted all my personal information.
Company Response:
State: CA
Zip: 90016
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: TD Bank USA ( Target Credit Card ) charged me a {$28.00} late payment fee on XX/XX/XXXX and a {$29.00} late payment fee on XX/XX/XXXX. The creditor failed to mail me a billing statement for each period and because of that, I was unaware that I had to make a payment. Please provide a credit of at {$57.00} for the late fees and credit me for any interest accrued due to those late fees. If TD Bank USA ( Target Credit Card ) disagrees with this, please provide proof that you mailed out the credit card statement for all the periods where I was charged a late fee for and proof that I actually received them. Such proof includes tracking information with USPS, XXXX, XXXX, or a certified mail receipt. Thank you.
Company Response:
State: CA
Zip: 90280
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX someone attempted to purchase a XXXX XXXX XXXX through XXXX. They attempted to finance the auto via various financial institutions. A police report has been filed with the XXXX, CA Police Department ( XXXX ). They also stated I worked for XXXX XXXX XXXX. They applied for financing at the following banks : XXXX XXXX XXXX XXXX TD Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The individuals that attempted to use my identity entered the following demographic info Phone XXXX XXXX XXXX email XXXX I would like these inquiries removed from my credit report as they are affecting my quality of life.
Company Response:
State: CA
Zip: 94541
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Nordstrom account has never been late but XXXX is reporting it late.
Company Response:
State: CA
Zip: 90802
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account was opened in my name without my authorization. I don't recognize the reported account. This is a request for the account to be deleted from XXXX XXXX XXXX XXXX. I asked TD Bank to validate with a contract for proof of signature, this doesn't exist. TD Bank determined this isnt mine but as it was opened in 2013 they say I need to dispute with the bureaus to remove it, which doesn't work. This charge-off continues to be reported by TD Bank on my credit reports.
Company Response:
State: FL
Zip: 33144
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A