TD BANK US HOLDING COMPANY

2019-08-05

NJ

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$15.00} maintenance fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft return fee XXXX/19 - {$15.00} maintenance fee XXXX/19 - {$15.00} maintenance fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft return fee XXXX/19 - {$15.00} maintenance fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft return fee XXXX/19 - {$35.00} overdraft return fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft return fee XXXX/19 - {$35.00} overdraft return fee XXXX/19 - {$15.00} maintenance fee As listed from the above transactions, my bank has been charging me fees over and over. Despite my calls and in person meetings to stop allowing overdraft on my account, the bank allows companies to access my account multiple times a month for the same transaction. The bank doesn't fund the transaction, it simply overdrafts my account to charge me an overdraft fee then returns it to charge me a transaction return fee. To finish it up, it charges me a maintenance fee for my balance being under there threshold. The bank allows companies to access my account at least 3 times a month for the same transaction and continuously keeps me in the whole while profiting from my inability to pay those fees they are laying on me. This is a shameful behavior that banks need to stop. For someone who studied finance, I know the need of banks and what they can do to enable a prosperous economy. But their current practices to obtain money in any methods possible from the least fortunate is shameful. I hope as we move forward there will be banks that help lift people out of poverty, not dig hole that will fortify the barriers already faced by those folks.
Company Response: Closed with monetary relief

Timely Response

2019-08-03

Discovery Bay, CA

False statements or representation

Debt collection: Auto debt

Attempted to collect wrong amount
Complaint: I disputed this company because there were discrepancies reporting on each of my credit reports. They have been reporting the incorrect information for years. Instead of deleting this from my credit report they updated the information. I was wronged by this company for falsely reporting and updating information when it was incorrect.
Company Response: Closed with explanation

Timely Response

2019-08-03

Overbrook Hills, PA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with monetary relief

Timely Response

2019-08-02

Northside, NC

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: I have been with Target Card services since XXXX. On XX/XX/XXXX I called to do a customer assistance due to medical issues with my spouse. On XX/XX/XXXX at XXXX XXXX, I was told by the rep that he would waive the {$93.00} and I did not need to make a payment until XX/XX/XXXX of {$28.00} and I would not be reported to the credit bureau. This is also stated on my statement and the letter I received. On XX/XX/XXXX, I realized I was reported 30 days past due reached out and spoke with a rude rep and then requested to speak with the supervisor. I spoke to the supervisor after 3 more phone calls she stated I would need to write a letter to get the call reviewed because the rep gave me the incorrect info and I needed to make the payment of XXXX and will be no longer 30 days past due. I made the payment then reached out the next week to see if there was a status on the letter and I was told no but the rep put in the dispute as well that was not previously put in. The next week I called and was told I would receive a letter with the status and my account is current and not past due. On XX/XX/XXXX I called with a follow to make sure I was not past due and was advised that I was not past due on my account and a letter was sent in XX/XX/XXXX with the results of the investigation. On XX/XX/XXXX I receive a notification from XXXX that I was 30 days past due for XX/XX/XXXX and XX/XX/XXXX, which was confusing because I made a payment 3 times in XXXX on XX/XX/XXXX, XXXX and the payment was due on XX/XX/XXXX. I spoke with a rep that then said I was 60 days past due even though I spoke with several ppl that stated I Current. I called back and spoke with a lead that stated he did not understand the reporting being my payment was due yesterday and the system will not report to the credit bureau until the XX/XX/XXXX of the month. He stated for me to call back on the XX/XX/XXXX, with the update and provided me with a case number. This is ridiculous and poor customer service and training on their end. The reps provide you with the incorrect information and the consumer pays the consequences. This is unethical practices!
Company Response: Closed with explanation

Timely Response

2019-08-02

Jupiter, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I had originally filed a complaint about TD Bank with the CFPB on XX/XX/XXXX. That complaint ID number is XXXX. To summarize, I included an additional principal payment with my normal mortgage payment, and it was mishandled. The entire payment was put into unapplied funds instead of being applied properly. TD Bank fixed the payment after the complaint was filed. TD Bank has performed the same actions every month since then with my extra payment. Every month I put in an extra principal amount. I fill out their payment coupon properly, clearly stating in the line marked extra principal the extra amount. Every month, the payment is put into unapplied funds until I call or possibly a week later. During these times, my online account has always stated I owe {$0.00} on the first of the month. I wrote a follow up to my original complaint, but it was unanswered. This last month, XXXX, I made yet another mortgage payment with an additional principal. The payment was made on XX/XX/XXXX. As normal, the payment showed up as unapplied funds. I waited a few days, and this time, the payment was changed improperly. Online, it showed my unapplied funds going totally to my extra principal instead of a normal mortgage payment with additional principal. My online account also was updated since the first of the month stating that I owe my normal mortgage amount, due this past XX/XX/XXXX. I called TD Bank on XX/XX/XXXX concerning this. I was told my issue had been forwarded to a higher department to fix. As of today, XX/XX/XXXX, the funds have still not been applied properly. My mortgage was due on XX/XX/XXXX. Since these funds were not properly serviced by TD Bank, I am now late with my mortgage payment. It is quite obvious TD Bank is in direct violation of the UDAAP ( unfair, deceptive, or abusive acts or practices ). TD Bank repeatedly mishandles my mortgage payments. A quick view of my payment history shows how every month I have dealt with the same issue. Having my online mortgage statement say I owe XXXX $ is deceptive. Adding this extra burden for me to repeatedly and constantly follow up every mortgage payment with phone calls and non-stop monitoring is unfair. TD Banks response to my previous complaint included a phone number for me to call if issues re-appeared. That phone number is incorrect. Again, more blatant abuse from TD Bank. There is no way I can avoid these abusive acts by TD Bank. Please review my previous complaint & unanswered follow up to that complaint, attached below. I believe any hint of a late payment should be expunged from all records, credit reports, or other history and TD Bank should be heavily fined for these continued unfair practices. ORIGINAL COMPLAINT : On XX/XX/XXXX I attempted to pay my mortgage at a TD Bank Branch. The mortgage payment coupon/slip clearly states " Mortgage Payment ''. It also has a part for you to add additional principle or additional escrow and to total. I added an additional XXXX towards my principle. The transaction took quite a while and included XXXX members of the staff including the manager. I heard them clearly state to put the amount of XXXX in the extra principle field. I received a simple receipt stating I made a " LOAN PYMT '' in the total of my normal payment plus the XXXX extra principle. On XX/XX/XXXX, my account had not been properly credited. The online account showed there was a Misc Receipt made on XX/XX/XXXX, and the outstanding balance of my mortgage had not reflected ANY payment since the prior month. I went back to the branch that day and spoke with the manager, XXXX XXXX. She was one of the employees present when I attempted my payment. While with her, she contacted her account support by phone. They said my payment was used as a pre-payment for future mortgage payments, NOT as a normal mortgage payment with an extra principle deposit. Ms. XXXX explained how the local branch put applied the payment accordingly and was told something went wrong. She was reassured the issue would be corrected that evening and the change would show the next day. This change would also reflect the payment was made on the XXXX XXXX. Ms. XXXX suggested in the future I write two checks and make separate payments to my mortgage if I want to pre-pay my principle. This is a bit odd as the mortgage coupon/slip and the banks system has a spot for me to make an extra principle deposit. I was also told by Ms. XXXX that she would follow up with my payment and contact me the next day to ensure it was done properly. I have not received any contact from TD Bank as of yet. As of today, XX/XX/XXXX, my account has NOT been updated. This costs me the daily interest accruing on the mortgage. It is very wrong for a bank to treat its customers this way. I do not blame the branch employees, as they did what they could have to make the proper payment. Requiring me to write separate checks to make extra principle payments should not happen. ORIGINAL FOLLOW UP : Prior to receiving TD Banks response to my compliant, I received a phone call from XXXX XXXX on this issue. My account was properly adjusted as stated. I was told if I have any other questions to contact her directly via the number on the reply I would ( and did XXXX receive. I believed everything would be fine and this complaint could be put to rest. In XXXX, I made a payment to my loan for the normal amount plus XXXX extra principle. The check cleared my bank on XX/XX/XXXX. My online account once again had the payment entered as a Misc receipt. I tried to contact XXXX XXXX via the number given to me on TD Banks reply to this complaint, XXXX. That number does not reach XXXX, but a voicemail for XXXX XXXX I left messages with no reply. There was no indication XXXX XXXX has any affiliation with TD Bank. I later looked at my cellphones history and tried the number I was contacted from after the first complaint. I left a message with my name. I did not receive a return call, but the next day, the funds were properly allocated. The next paper statement mailed statement states unapplied funds were added on XX/XX/XXXX. It continues to state on XX/XX/XXXX the proper amounts were taken from the unapplied funds. Online, the account shows all transactions happening on XX/XX/XXXX. In XXXX, I made the payment for the normal amount plus XXXX extra principle. The check cleared on XX/XX/XXXX. I tried calling the number from TD Banks response again to no avail, it was still for XXXX XXXX and she never returned my calls. I have since lost the other number which may or may not be related. It was not until this morning, XX/XX/XXXX, in which my account has been properly updated. Maybe it was because I called to inquire about the payoff amount the night before. There is no reason in todays technological environment that this should occur. In my conversation with XXXX prior to the TD Bank response to the complaint, I inquired on how I can help TD Bank properly process my payment. I was told there was nothing more I could do as filling out the coupon properly does this. Looking back at my mortgages history, I see that back between XXXX & XXXX I regularly made payments with extra principle. They were consistently deposited properly. Both my online account history and paper statements prove this. Why has TD Bank chosen to make this a challenge now. My online account has misleadingly said the amount due was XXXX since this issue was supposedly resolved back in XXXX. Even though the proper amounts were finally distributed today, my account still states I owe XXXX on XX/XX/XXXX. I will receive my statement in the mail with an amount due soon, as I have in the past. It will state I own my normal payment, as expected. Why does the website try to deceive me? It seems like TD Bank has a pattern of improperly applying my mortgage payments as instructed. It is unfair that I can not seem to avoid this extra effort to ensure this account is serviced properly and in a timely manner. I was more than willing and tried repeatedly to contact XXXX instead of continuing this complaint. Unfortunately, that too was fruitless. In searching online, I have noticed I am not alone. Others have also had their additional principle put into unapplied funds. ( see https : //www.consumeraffairs.com/finance/td_ameritrade.html for one example ) This pattern of unfair and deceptive practices should be stopped.
Company Response: Closed with non-monetary relief

Timely Response

2019-08-02

Maynard, MA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: I have sent THREE letters now to TD Bank regarding an accout they are reporting on my credit report and they have sent me a letter back saying they can not continue with an investigation because I have have not provided my account number, name, address, and last 4 of social. This is NONSENSE I included all this information clearly in the attached THREE letters. This company has failed to properly preform an investigation as required by FACTA 312. I am demanding that this item be deleted immediately. Please see attached letters.
Company Response: Closed with explanation

Timely Response

2019-08-02

Moreno Valley, CA

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-08-02

Allerton, NY

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-08-02

Boston, MA

Other features, terms, or problems

Credit card or prepaid card: Store credit card

Privacy issues
Company Response: Closed with explanation

Timely Response

2019-08-02

Brooklyn, NY

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: My XXXX phone number was ported to another carrier cancelling my telephone number with XXXX on XX/XX/2019. On XX/XX/2019 two {$1000.00} transactions were processed through Tdbank using XXXX in Td mobile app. It was probably accessed using the phone number that was active on another carrier since I also received email notifications from other institutions I used stating that someone was trying to log in using my old phone number from a different state. Td bank is trying to deny the claim saying that phone transactions were varified using my phone number. I have a document that lists all of the phone information with the carrier XXXX that says that the phone was canceled from device and sim card on XX/XX/XXXX thefore refuting there claim that transactions were made by my actual phone.
Company Response: Closed with monetary relief

Timely Response

2019-08-02

Falmouth, ME

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-08-02

Manhattan, NY

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with explanation

Timely Response

2019-08-02

Bardonia, NY

Trouble using your card

Credit card or prepaid card: General-purpose credit card or charge card

Can't use card to make purchases
Complaint: Credit Card primary user information was changed to an out of State address without consent or knowledge of owner resulting in refused repeat transaction with a vendor. Financial institution was contacted in person the following day to initiate a fraud investigation. Account activity monitoring was initiated and credit card was cancelled. Financial institution replaced the credit card a week later with a new account number and continues to monitor account activity. The period report on activity is pending to determine if any fraudulent transactions were made.
Company Response: Closed with explanation

Timely Response

2019-08-02

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Didn't receive advertised or promotional terms
Company Response: Closed with explanation

Timely Response

2019-08-02

Deer Park, NY

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-02

NE

Problem with a purchase shown on your statement

Credit card or prepaid card: Store credit card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: The entire {$1000.00} balance of my Target Credit card was used fraudulently and after three months I had to call in for two months straight and keep re-explaining the situation before the investigation began. All the while they continued to charge payments and fees and report negatively to the bureaus. After two months I finally reach an investigator who flat out denies the entire claim with no reason at all and tells me I should request a different investigator because he did not want to deal with it. So I did and sent even more supporting documentation in- this no totaling : 2 police reports, FTC report, Statement of what occurred and more supporting documentation than I am sure most do. I also explained how the claim was not being taken seriously and how I have received ZERO communication, etc.. Finally, after another month of calling I get put through to the new " investigators '' voicemail where I asked her to please seriously address our concerns and let me know what I needed to provide her to prove our claim. A week later she leaves me a voicemail at XXXX on a weeknight stating that although they understand the claims are fraudulent they are standing by the denial, and I am responsible for all fees incurred and the fraudulent charges. That was over a week ago now- she also provided a phony return phone number on her voicemail, however I was able to get her real one and have left her 5 voicemails since with no response, no letter, no nothing. I believe my complaint is best summed up in the last letter I sent to Target TWICE, that they continue to ignore : " URGENT. TO WHOM IT MAY CONCERN - TARGET FRAUD DEPT. OK guys, we have a huge problem here. Let me start by saying I know my rights and how you guys have gone about handling my fraud case, from day one, has been completely illegal under the Fair Credit and the Consumer Financial Protection Bureaus policies. From sending me to collections after I submitted a fraud claim in writing by certified mail, to taking well over two billing cycles to even address the matter, continuing to report negatively to the bureaus and charge me fees and try to force me to make payments, to me receiving ZERO documentation as to the outcome or status of my claim, the way your fraud department speaks to victims.. I could go on.. but I am sure you are well aware ... It is all completely illegal and I will not allow you to continue to destroy my credit and my financial well-being. I am a well-documented victim of identity theft, theft and fraud and have supplied all of the necessary paperwork OVER FIVE TIMES, including two police reports, a federal trade commission report, a clear and concise explanation of what and how it happened, and complied with the excessive amount of personal information requested even though you guys allowed all of your customers information to get stolen before, of which I was also a victim of. After three months of attempting, I finally get through to an investigator who flat out states that he understands that these charges were to theft but that he was denying my claim due to lack of evidence. I provided more evidence than I am sure most do in fraud claims, furthermore not only was my target credit stolen, but my XXXX, XXXX XXXX XXXX XXXX, Etc.. and ALL those claims were investigated and found to be valid. I asked the investigator WHAT I needed to provide him with to ensure he had the satisfactory amount of evidence he desired and he refused to tell me and said nothing I could provide him would change the decision. Again, completely illegal. I even asked that he pull the store footage as a means of definitively proving the charges were fraudulent. to which he laughed and stated " we dont do that. '' The investigator went on in a tone that clearly indicated he was enjoying the cruelty of what he was doing and plain up stated that he didnt want to deal with it anymore and recommended I request a different investigator. Which is exactly what I did. Again, through certified letter, as well as snail mail, fax and phone calls I supplied the original documents, affidavit and NEW documentation including new police report solely for the stolen target card. After two weeks of being promised someone would get in contact, an investigator leaves me a voicemail in the evening stating she too is denying the claim and that they wont be providing me with a reason as they " do not have to '' ( Also completely illegal ) and then provides a phony return phone number. I have recorded every single phone call and have a portfolio of evidence as to the complete negligence of your fraud team to properly and as protected under law, investigate this fraud claim. The recordings and documentation overwhelming support and verify everything Im saying. I was hit with fraud and theft on a massive family crippling scale including XXXX, XXXX XXXX XXXX federal, etc. and you are the ONLY organization refusing to properly investigate this and ATTEMPTING to deny my claim. I have not received a SINGLE shred of paperwork, nor have I been properly notified of the denial or that the appeal was taking place. You also did not update the bureaus as to the investigation OR the appeal which is again.. completely illegal. Per the law- you need to remove the derogatory remarks from my credit reports and acknowledge that the time has passed for this investigation and restore my credit. I NEED to either hear from someone or see this has all be done by XXXX XXXX tomorrow ( Friday ) or I will be filing complaints with the Federal Trade Commission, The Consumer Financial Protection Agency, The Attorney General & State Banking Commissioner and will be turning all of the evidence of Targets complete disregard for financial law over to the proper agencies. After reading that this is pretty much the MO from the thousands of 1-star reviews on XXXX you guys should REALLY be ashamed of yourself. After letting all of your customers identities be stolen, you really have some nerve to treat our security with such blatant disregard. I look forward to hearing from someone who has the authority to DO THE RIGHT thing ASAP. XXXX XXXX XXXX ''
Company Response: Closed with monetary relief

Timely Response

2019-08-02

Nyc, NY

Took or threatened to take negative or legal action

Debt collection: I do not know

Sued you without properly notifying you of lawsuit
Complaint: I have no clue Im just now receiving a summons in the mail telling me to appear for court. XX/XX/2019and this is the first Im hearing about someone suing me.
Company Response: Closed with explanation

Timely Response

2019-08-01

Philadelphia, PA

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: TD bank has wrongfully stolen {$730.00} from me. They ignore my many emails and phone calls and have now closed my case despite providing no help or answers. An agent of theirs signed me up for the wrong overdraft protection services in early XXXX. I noticed late XXXX, contacted td, and everything was refunded and fine. The agent was very kind, helpful, and owned the mistake. I went to a td bank location on XXXX XXXX in XXXX to sign up for the correct program and confirmed I signed up. They deny that I was ever there, despite the fact that I have text messages proving I was there, provided by my boyfriend, who dropped me off there. I, thinking I was safe from overdrafting, spent money without realizing I was being charged hundreds of dollars in overdraft fees daily. ( I work a very hectic job and dont always have access to my online banking, so I was very confident in TDs overdraft program that pulls money from your savings into your checking ) I had more than enough money in my checking to cover the small expenses incurred throughout the few weeks I was being charged, and was sometimes even charged overdraft fees when my account was positive ( XX/XX/XXXX, XXXX, and XX/XX/XXXX ) I can not live without the money they have stolen from me. XXXX and XXXX, the managers handling my case, have been reflective, unhelpful, and rude. While the first agent fully acknowledged TDs mistake, these women are flat out lying. I work a lot and my hours conflict with TDs and can be really unpredictable this time of year. Im disappointed and feel wronged, to say the least. Id like to close my accounts, but obviously dont want to until I get my money back. XXXX rudely suggested I come in since tds hours are very convenient but, ironically, Ive had to work almost every day the last month because I have to pay late fees for bills and catch up on rent. Id like my money back ASAP before I take this to small claims. Note from the images below XXXX has not once tried to contact me, but was CCd on every email.
Company Response: Closed with monetary relief

Timely Response

2019-08-01

El Paso, TX

Attempts to collect debt not owed

Debt collection: Auto debt

Debt is not yours
Complaint: I bought a new car supposily, but when I took it to the get the insurance for it they refused to cover my car because the car was damaged by hail, after that i have to retuned it to the agency. I just have the car for 2 months and they want me to paid them the car.
Company Response: Closed with explanation

Timely Response

2019-08-01

Baton Rouge, LA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: In XXXX of 2017, I visited XXXX XXXX XXXX in XXXX XXXX, Louisiana in search of a vehicle. During my visit I requested that my credit be run through XXXX XXXX only. Within minutes of leaving the dealership, I received alerts from my credit monitoring service that my credit from several places. It was written on my application XXXX XXXX only. Since then, XXXX XXXX XXXX has been able to locate this application form for me & has provided me with a letter clarifying I requested for XXXX XXXX only. XXXX XXXX XXXX XXXX were both places my credit was pulled & I have informed them about the letter from XXXX XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-08-01

Virginia Bch, VA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-08-01

Christiana, DE

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: To Whom It May Concern, I am a XXXX year old XXXXXXXX XXXX, XXXX, and XXXX XXXX human being on XXXX. I made a big mistake online and was duped by XXXX who claim free web-page making ads on-line, only to get charged {$270.00} and change. When I saw a charge for {$270.00}, I started panicking and getting very upset because there was no way for me to get a refund. That is because they do not have a phone to get in touch with. I have terrible XXXX XXXX that could easily be confirmed by the employees by TD Bank, the number 1 bank in the Americas and maybe in the world. On that note, TD Bank put my money back into my account as usual ( this was approximately 8 times in all ) as in the past occurances. I have other people in the world with my exact information being that I was hacked shortly after my divorce 6 years ago, the length of my XXXX experience being alive to experience ALL of the XXXX. along with the bank issues. Now, I have no access to my on-line account. I did receive a letter from TD Bank to fill out any information that could further explain as to the circumstances that involved my refund request. The request did not make any sense to me to respond to the incident where a refund was requested. In other words, the dispute was for a refund. That's all. I can't state it any clearer. Hence, what information can I give them to clarify the situation. I did not respond to the additional information letter, nor did I ever in the past and I still received my refunds on all my disputes. The only difference in this situation is that TD Bank was attempting to make something out of this case due to the high dollar amount of {$270.00}. I asked for my money to be refunded on or around XX/XX/XXXX ( my dead brothers birthday ) TD Bank remitted their final letter to me demanding that I take up the issue on my own. I have tried to call, but again no success. I saw no reason to reply to a moot point. TD Bank, located at : XXXX XXXX XXXX XXXX, XXXX, Delaware, XXXX please have my {$270.00} returned and my rights restored. Thank you, XXXX XXXX Be Fair to me. Please return my {$270.00} please. My 6 years of loyalty. My $ XXXX/mo XXXX direct deposit was compromised by more than half all FOR A REFUND!
Company Response: Closed with explanation

Timely Response

2019-08-01

Laurel, NY

Took or threatened to take negative or legal action

Debt collection: Auto debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2019-08-01

Colonial Heights, VA

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Company Response: Closed with non-monetary relief

Timely Response

2019-08-01

CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: My complaint is against TD Bank/XXXX account # XXXX. On XX/XX/XXXX I went to XXXX web page to by a phone. The phone had a cost of {$1600.00}, on the portal there were different options how to pay your phone ( finance, upfront, etc ), so I decided to finance it. Payment went through, everything approved. Some days later I received the phone without any type of agreement which I saw rare that the did not send it. 2 months later a received a call from x collection on behalf of TD Bank and to be honest I didnt even knew that bank even existed. So I immediately contact XXXX and maid payment in full of {$1800.00} on XX/XX/XXXX. So I de decided to call them both TD bank and XXXX. In TD bank they ask my SSS and the account number and the agent told me that I didnt even had an account with them. This call was made on XX/XX/2019TD bank should have that call recorded. So then I decided to call XXXX to get some kind of explanation of whats going on. In XXXX they told me that what happen is that they never received a payment from me until the XX/XX/XXXX for the amount of {$1800.00} and me thinking it was in automatic payments and everything was ok. Now the phone carrier did have my correct address because I received the phone but I was told by XXXX that statements were return to them therefore I NEVER received any type of statements from TD Bank or XXXX or any late payment insertion required by FCRA . This is unfair business practice, negligence, breach of contract and the list of violations can go on. I dont want to take this case to court, that is why Im using this source to fix this issue. I just want for whoever is responsible of this error to fix it as soon as possible. I want a deletion letter from TD Bank as soon as possible. I have a {$700000.00} mortgage loan pending because of this mistake and if I have to take this case to court, believe me I will. Thank you!
Company Response: Closed with non-monetary relief

Timely Response