TD BANK US HOLDING COMPANY

2016-05-29

Cheverly, MD

Account opening, closing, or management

Bank account or service: Checking account

Complaint: States that my funds availability would be on the next day, my funds were n't released and a representative stated that I would receive a {$100.00} until the check clears. Called in the next day and a manager stated that 's not the case.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-28

Spring Hill, FL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I applied for a home mortgage recently to find out a fraud Credit Inquiry from TD BANK USA/TARGET C on XXXX/XXXX/2016,. this pul effects my score, i contacted XXXX and they advised i needed to contact the creditor directly. I did so just to be told it needs to be disputed through XXXX. NO help on either end and NO way to dospute, Would like Inquiry removed ASAP
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-27

Downingtown, PA

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-27

Hartford, CT

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-27

Arleta, CA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not disclosed as an attempt to collect
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-27

Queens, NY

Problems when you are unable to pay

Consumer Loan: Vehicle lease

Complaint: This is in regards to the TD Auto Finance debt listed on my credit report with XXXX. I have disputed this collection numerous times, provided definitive documentation to XXXX, and XXXX has refused to removed this account from my credit report. As you will see in the documentation provide to me from TD Auto, the original delinquency date on this account is XX/XX/XXXX. For some reason, XXXX keeps sending me information saying it was XX/XX/XXXX which is inaccurate. My account went into collections on XX/XX/XXXX and was charged off on XX/XX/XXXX. Per FCRA guidelines, we are now at either 7 years and 6 months from the 1st delinquency date or 7 years and 2 months from the charge off date. Either of these are passed the allotted time. Please have this account removed from my credit as it has already made me delay the closing on my new home once and now I have additional interest to pay. Thank you for your help in this matter.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-05-27

TX

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: I went to apply for a loan through a credit union only to discover that I had a repossession on my credit and was denied the loan. I had never had a car loan with this company. I contacted the company and they said I was the primary signer on the account. I asked them for a copy of the signed contract and any information regarding the account. They told me they did n't have a copy of the contract and would send me the paperwork of when car was sold at auction. They did n't have an order of repossession. The account was opened over 9 years ago and closed almost 6 years ago. I have never received anything from them. I told them that this is fraud and they said to contact their fraud department. When I called the fraud department it was a voicemail recording. I left several messages for them to call me back and now been waiting a month. I called the company several times and got conflicting stories with each new person. I was told to file a police report but I do n't have any documentation to suggests fraud or identity theft either way. The finance company would n't tell me the dealership for me to contact them directly too. I would think there has to be a paper trail somewhere. The finance company TD Auto Finance.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-27

MI

Shopping for a loan or lease

Consumer Loan: Vehicle lease

Complaint: XXXX XXXX, XXXX RE : TD AUTO LOANS NEGATIVE CREDIT REPORTING This complaint is in regards to a debt that TD Auto Loans claim I owed from a XXXX lease I turned in. The negative information that they placed brought my credit score down XXXX points. Following are the facts concerning this matter. In XXXX, I leased a XXXX XXXX and paid it to term. Upon returning the car, I was given a new lease. I paid the new lease to term never missing or never being late. When the lease came to term, I was asked to turn the car into any XXXX dealership. I elected to turn it into XXXX XXXX XXXX, XXXX, XXXX, located at XXXX XXXX XXXX, XXXX, Michigan XXXX. When I arrived, a service employee came out and inspected the car. After seeing there was no damage and very low mileage, he handed me a copy of the report and stated, you are all set to go. Several weeks later, I received a letter from Chrysler Financial stating I was supposed to pay a fee for turning the car in. Since there was no damage on the car, very low mileage, never late or missed any payments and the lease was not an early turn in, I could n't understand why I was still in debt. Later I received another notice. I then sent an in-depth complaint to XXXX XXXX Offices outlining my concerns. I did not hear from them again. In XXXX, I leased a top of the line, {$40000.00} XXXX XXXX. Several months later, I received a letter from XXXX informing me I was eligible for the Pull Ahead Lease Program. I returned the XXXX XXXX XXXX and they wrote another lease for a top of the line XXXX XXXX XXXX XXXX of which I am driving today, at no time was I required to pay an end of lease fee. When XXXX informed me a finance company by the name of TD Auto Loans had put negative information on my credit report last month, I had never heard of them. That 's why I thought this was an Identify Theft Crime and immediately filed a complaint with the FCC, case number XXXX. However, after researching the matter, I learned Chrysler Financial apparently went out of business or sold the company to TD Auto Loans, therefore, when I sent my complaint letter to XXXX XXXX XXXX in XXXX, it automatically went to the new owners, TD Auto Loans, therefore, I contacted the FCC today, XXXX XXXX to cancel the Identify Fraud Charge. In an effort to clear up this matter, I traveled over to XXXX XXXX XXXX on XXXX/XXXX/XXXX in search of the salesman that handled my lease in XXXX, but I learned he passed away two-years-ago, however, I did speak to one of their finance managers. After listening to my story, he stated, in his opinion, they probably found an old bill from XXXX and put it on my credit report because there is no way I could have leased XXXX {$40000.00} cars while owing a financial institution. He also pointed out, if it were the case, the negativity should have dropped off in XXXX. Would you please assist me in getting this company to delete the negative information they placed on my credit report from XXXX which brought my scores down XXXX points. Any assistance would be greatly appreciated. As a footnote, being curious to know more about this company, I typed into my computer, TD Auto Loan Complaints and what these people have done and is still doing to the consumers is dishearting.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-27

Houston, TX

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: FCRA 623 ( a ) ( 5 ) States that the original creditor ( TDAF ) is required to accurately report the DOFD separately to the CRA ( XXXX ) no later than 90 days after the charge-off date ( XXXX, XXXX ). The purpose of this section is to determine the exclusion date. TDAF acted as was both the original creditor and collector for this account. The vehicle was repossessed in XXXX, XXXX. FCRA 605 ( c ) was created for one purpose only, to affix a date based on the commencement of the delinquency which proceeded to collection and subsequent charge-off on my account. The specific key point in my account is that this charged-off account became delinquent XXXX and has remained in delinquent status EVERY MONTH for over SEVEN YEARS and never brought into paid as agreed status, therefore this account should be deleted. TDAF has misinterpreted FCRA 605 ( c ) and failed to accurately report the DOFD as mandated by FCRA 623 ( a ) ( 5 ). Attached is copy of the Account History provided by TDAF, copy of XXXX Investigation Report and a Certified Mail Receipt copy of my dispute to TDAF.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-05-26

Jamaica, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-26

Fountainville, PA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-26

Clementon, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-26

Saint Paul, MN

Transaction issue

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-25

Lake Ridge, VA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-25

Key Biscayne, FL

Fraud or scam

Money transfers: International money transfer

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-25

Golden Isles, FL

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-25

Auburn, WA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-25

Manhattan, NY

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-25

Howard Beach, NY

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-25

Princeton, NJ

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-25

Pittston, ME

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-24

Bayway, NJ

Billing disputes

Credit card:

Complaint: I had a Fred Meyer Jewelers Platinum Preferred credit card and my balance due for my XXXX 2014 statement was {$48.00}. The minimum payment due was {$25.00} by XXXX XXXX, 2014. I made an on-line bill payment by mail through my checking account on XXXX XXXX, 2014, the {$25.00} was posted to my account on XXXX XXXX, 2014 with Fred Meyer Jewelers, which was not a late payment. I had forgotten that I had made this payment by through my bank, and called the customer service line on XXXX XXXX, 2014, and had made an additional payment " by phone '' of {$25.00}, which was posted to my Fred Meyer Jewelers account on XXXX XXXX, 2014. I realized my mistake, on or about, XXXX XXXX, 2014, and called customer service to ask them to reverse my last {$25.00} payment " made by phone '', and would pay them the {$23.00} amount due, since I actually overpaid my balance. They did cancel the phone payment of {$25.00}. I received the XXXX 2014 statement from Fred Meyer Jewelers which showed that I was charged an NSF check charge assessment. I called the Account Services Department, and asked them why I was charged the NSF check fee when they had already received a check from me in the amount of {$25.00}, which was the minimum amount due the last statement, and that the phone payment I made on XXXX XXXX, was not a check, and that I had been in good standing throughout my entire period of activity with them, and asked that they reverse the erroneous NSF check fee charged. The said they would not reverse the charge. I then contacted them by mail at : Department of Accounts, XXXX, NJ, XXXX, to request that they reverse the erroneous NSF check charge, since the phone payment I made would have been an over-payment since I only owed {$23.00}. They said they would not reverse the charge and that anytime a customer asks to reverse a charge, that they are automatically charged an NSF check fee charge. I received a letter from Fred Meyer Jewelers dated XXXX XXXX, 2014, which stated I needed to make a payment for the alleged " return check '' within five business days to avoid additional charges to my account -- I received this letter on XXXX XXXX, 2014, and I paid my remaining balance of {$23.00} which was posted to my checking account on XXXX XXXX, 2014. This bill pay through my bank was expected to arrive to Fred Meyer Jewelers by XXXX XXXX, 2014, which was within five business days. However, Fred Meyer Jewelers assessed a late fee in my XXXX 2014 statement, and also the XXXX 2014 statement, and the XXXX 2014 statement they assessed a fee ( which is not stated on the statement what kind of fee it was ) of {$35.00}. I do not believe a credit card company should have the ability to assess fees although the account is paid in full, and there were no late payments, nor were there any checks returned by my bank to me as " NSF '' checks, as Fred Meyer Jewelers has alleged.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-24

Atlanta, GA

Delinquent account

Credit card:

Complaint: Target is reporting every month that my account is charged off.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-05-24

Five Points, NC

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I have an auto loan with TD Auto Finance that was taken out in XXXX XXXX. My payments began in XXXX XXXX. I am enrolled in the auto-pay feature on the TD Auto Finance Website. Since the loan was originated and payments made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX I have not received a single account statement via mail or able to access statements online when I login. I called into TD Auto Finance on XXXX XXXX, XXXX and was told that since I am enrolled in " auto-pay '' they do not send statements nor are statements accessible online. This is absurd. As an account holder and payor I should be able to access my account statements at any time. They said if I wanted statements I would have to call in every time to request them. Why should the benefit of receiving or accessing an account statement be removed if a payor is enrolled in auto-pay? The auto-pay is a benefit to the creditor as they are more likely to get payment on time. As a consumer I feel like my account data is being kept from me in hopes that I will miss a payment so that additional loan fees, interest and penalties can be assessed.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-23

Media, PA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response