TD BANK US HOLDING COMPANY

2018-11-01

Cheswold, DE

Incorrect information on your report

Vehicle loan or lease: Loan

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-11-01

Jamaica, NY

Problem with a purchase shown on your statement

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

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation

Timely Response

2018-10-31

Lost or stolen money order

Money transfer, virtual currency, or money service: Money order

Company Response: Closed with explanation

Timely Response

2018-10-31

Key Biscayne, FL

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: DISPUTED ACCOUNTS : XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX RE : Unauthorized Credit Inquiry According to my most recent credit report, your company is currently reporting to the three credit bureaus that I had applied for credit with your organization. I do not recall granting you authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. Regards,
Company Response: Closed with explanation

Timely Response

2018-10-31

Cherry Brook, MA

Managing an account

Checking or savings account: Other banking product or service

Problem accessing account
Company Response: Closed with explanation

Timely Response

2018-10-31

FL

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: TD Bank online banking system has some sort of internal error happening that " locks " out the customer from their account. This has happened multiple times ( a minimum of 10x ) over the past six months ) and TD Bank forces me to drive to their branch location and then creates an temporary User Name & Password in order regain entry into the account. I am a very sick home bound elderly person that can not make the trip to the bank and the employees & supervision ( of which is little to non existent ) has no respect, consideration and or understanding for my situation. From my experience there is No Management team overseeing problems of the customers. The Board of Directors and or those on the TD Bank board are inaccessible to the customers and it's beneath them to solve problems. I've tried writing to the CEO, CIO, and the customer service center at TD Headquarters in New Jersey. I received no help and not even acknowledgement that they have a major problem. How many people are being locked out of their accounts on a regular basis. Their Chief Information officer XXXX XXXX will not take phone calls, emails and or messages and there is no way for the consumer to get a hold of their software team that runs online banking. TD Bank is a broken record of telling me to go into the local brank so they log me into my account. They could care less I'll be locked out again in a few days to a week. Even when you are 100 % sure of your User Name & Password you still will get locked out of your account. Below is all my information pertaining to the local branch of TD Bank in XXXX XXXX, FL and my banking online : Online User name : XXXX Password : XXXX My name : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX email : XXXX cell : XXXX cell : XXXX TD Bank 's Fraud department has no standards, security, safety measures to ensure their customers peace of mind. Their fraud department called us last Sunday asking for my account number, social security number, birth date, etc. and I had No IDEA who the XXXX they were and they were evasive and not wanting to answer specific questions to properly identify their presence. It was outrageous
Company Response: Closed with explanation

Timely Response

2018-10-31

Dover, DE

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Closed with monetary relief

Timely Response

2018-10-31

Kissimmee, FL

Problem with customer service

Money transfer, virtual currency, or money service: Check cashing service

Company Response: Closed with explanation

Timely Response

2018-10-30

Manhattan, NY

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Closed with explanation

Timely Response

2018-10-30

North Hollywood, CA

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Company Response: Closed with explanation

Timely Response

2018-10-30

Brooklyn, NY

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-10-30

Swarthmore, PA

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-10-30

Carver, MA

Problem when making payments

Credit card or prepaid card: Store credit card

You never received your bill or did not know a payment was due
Complaint: I was shocked when I reviewed my credit report and found these late payments on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX ; XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with explanation

Timely Response

2018-10-30

Pardeesville, PA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-10-29

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: On XX/XX/18 made a purchase through a website XXXX the item was suppose to be delivered on XX/XX/18 but was delivered to the wrong addresss i reaches out to the company several time but i didnt receive any responds i then proceeded to reach out to TD BANK who disputed the transaction i sent over paperwork proving that the item never reached to me and that XXXX as well had a claim out on XX/XX/XXXX i received a notice from TD BANK the transaction was correct and my provisional credit was being reversed even thou the item was NOT delivered
Company Response: Closed with monetary relief

Timely Response

2018-10-29

Warrenton, VA

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: XX/XX/XXXX XXXX County Government XXXX County Department of Cable and Consumer Services Consumer Affairs Branch Consumer Complaint To the Office of XXXX County Consumer Affairs Complaint against XXXX XXXX XXXX XXXX In XX/XX/XXXX, my bank account at XXXX XXXX XXXX XXXX was hacked and about {$4000.00} was taken out of my checking account in the repeated incremental funds in the amount of {$99.00} several hundred times. The hacker also got access to my saving accounts and transferred funds from the two saving account in to the checking account and then withdrew money. As soon as I found out, I immediately changed my password and rushed to XXXX XXXX XXXX and reported the hacking. XXXX XXXX XXXX immediately closed my account, which I had since XX/XX/XXXX ( for 20 years ) and reissued a brand new account for me. This of course has immediate effect on my online payment activities, such as my mortgage payments to XXXX XXXX, my car payments to XXXX XXXX, XXXX XXXX credit card payments, XXXX XXXX Visa card, XXXX XXXX premium payments and many others, including XXXX on line payments. At the date mentioned above I received a letter from XXXX saying that since I have not used my XXXX XXXX XXXX for many months past, the account will be closed due to inactivity. So I went to XXXX and purchased something I needed and spent about {$55.00}. Meanwhile when XXXX XXXX XXXX issued me a new account, the teller made a mistake and instead of writing ( 1 ) at the beginning of my checking account, he entered ( 0 ) and this caused my payments described above to be returned. However, I called XXXX XXXX, XXXX XXXX Visa, XXXX XXXX Credit Card, XXXX, XXXX and tried to fix the issue. I am also receiving social security payments and had top contact them too. XXXX XXXX Visa and XXXX XXXX too had returned checks due the problems I have mentioned above. As for XXXX Credit Card, I usually made my payments at my local XXXX XXXX Customer Service . So in XX/XX/XXXX I made a payment of {$25.00} toward the {$55.00} which I have charged using the XXXX card and {$34.00} and some cents were left over. I then made an attempt to pay the remainder using my online XXXX account and a few days later when I checked, there was a {$27.00} returned fee charged against me. I immediately went to my XXXX Store at XXXX XXXX and paid the remaining funds due to XXXX. I then called wrote a note to XXXX Card Services and explained to them what had transpired and to please rescind the returned check fee. They wrote back that in order to do that, my bank, namely XXXX XXXX XXXX needs to write a letter explaining the situation with my account. XXXX XXXX XXXX wrote a letter and stated that it was not Mr. XXXX XXXX fault, the bank had to close the old account and issue a new one and in the process the teller made a mistake and one number in front of the checking was given incorrectly and tpp please rescind the {$27.00} returned check fee. I sent the letter top XXXX Credit Card payment center. I waited a few days and checked my account and the {$27.00} returned check fee was still there. So I called XXXX XXXX XXXX Customer Service and after several attempts was able to talk to an agent. The agent heard my story and he said that he is sorry to hear about my plight and that he will make note of it and pass it on to appropriate people and he also told me that since I am disputing the charges, I dont need to pay the {$27.00} because I have filed a dispute. This was XX/XX/XXXX. A week later I received a statement from XXXX through the mail, and the {$27.00} fee was now due. From here on I wrote several notes to XXXX Card Services and they responded without addressing the real issue. Again I made several attempts to call and finally was ab le to connect with an agent who after listening to my story, transferred me to collections and there I repeated my story and he in turn transferred me to another number which was a dead-end, because it kept on asking me, If you know the four digit the number of the person you calling, enter it now Then last week I received a new statement from XXXX XXXX XXXX and this time they have added {$28.00} fee on top of the old {$27.00} and now they are demanding {$55.00} I am very upset and angry and wrote to XXXX XXXX XXXX to close my account and then I shredded their card. I will never patronize XXXX for as long as I live and I have instructed my family members to cease purchasing anything from XXXX. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Below is an account of my correspondence with XXXX up to this date. I talked to a card service member last week to settle this returned check fee for a payment I have made online. The payment was returned by my bank because they were forced to closed my account which I had for over twenty years and issued me a new one, however, they made a mistake in giving me my new account and the first digit was supposed to be 1, but by mistake they gave meO as the first digit or something like that. I notified the XXXX XXXX and this is what I wrote and their reply : XX/XX/XXXX XXXX XXXX XXXX Current Account Information Questions XX/XX/XXXX XXXX Card Services Current Account Information Questions XX/XX/XXXX XXXX XXXX XXXX Statement Questions XX/XX/XXXX XXXX XXXX XXXX Statement Questions XX/XX/XXXX XXXX XXXX XXXX Statement Questions XX/XX/XXXX XXXX XXXX XXXX Statement Questions XX/XX/XXXX XXXX XXXX XXXX Current Account Information Questions XX/XX/XXXX XXXX XXXX XXXX Current Account Information Questions XX/XX/XXXX XXXX XXXX XXXX Current Account Information Questions XX/XX/XXXX XXXX XXXX XXXX Current Account Information Questions XX/XX/XXXX XXXX XXXX XXXX Current Account Information Questions It seems like my account is out of sink. I made payments but I see two fees added when my account should be XXXX. I have had my bank account at XXXX XXXX XXXX was hacked and large amount of money was taken out. The bank closed my old account and opened a new one. It could be that they were cautious and retuned my payment? In any case I do not agree with the two charges for {$27.00} and {$32.00}. Please void those two. Hi XXXX, We understand your concern regarding your account. Your bank returned the recent {$32.00} payment because the account couldn't be located. Your XXXX account was charged a fee due to this returned payment. We're unable to remove the returned-payment fee from your account. We understand that this may not be the outcome you were looking for, but we hope you understand that we must remain consistent with our credit policies in fairness to all our accountholders. If you wish to dispute the returned payment on your account, please include written verification from your bank to request the returned check fee to be removed. Also, include your XXXX Account Identification Number, which can be found at the top of the Account Summary page of Manage My XXXX, on all correspondence. Please send this information to : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX If approved, you'll see a credit for the returned check fee on your next statement once verification has been received from your bank. Thanks for contacting us! I have obtained a letter from my bank, XXXX XXXX XXXX which stated that my bank account was hacked and large amount of money taken out and they had to close my old account which I had since XX/XX/XXXX. In the process I made attempts to pay for my XXXX card charges online and it was returned and I was charges {$27.00}. I have disputed that charge in writing to XXXX XXXX XXXX and you wrote back to say that you needed verification from my bank, which I have sent to you, but I still see the {$27.00} charge still in place with a due date of XX/XX/XXXX. If you are not willing to rescind the charge, I will be forced to cancel my XXXX XXXX XXXX. Sincerely, XXXX XXXX XXXX, servicer to TD Bank XXXX, XXXX. Hi XXXX, We're sorry for any disappointment with your return payment dispute and to hear that you may want to close your account. For the best help with your dispute, please call us at ( XXXX ) XXXX to speak with a Payment Dispute Representative. They're available Monday through Friday, XXXX XXXX. - XXXX XXXX. ( Central time ) They'll be able to provide a fax number for your document. We want you to know that once your account is closed, they can't be reopened. If you wish to proceed with closing your account or have additional questions, please give XXXX XXXX XXXX a call at ( XXXX ) XXXX. We're available 24 hours a day, 7 days a week. Your enrollment in Manage My XXXX stays active until you cancel it. When you're ready to cancel your online enrollment, here 's how : -Under Settings, select 'Disable Access ' -Enter your password and then click on 'Disable Access ' Thanks for writing! Sincerely, XXXX XXXX XXXX, servicer to XXXX XXXX XXXX, XXXX. What kind of catch 22 is this. I did not say that I want to close my account with XXXX. Reread my previous message and answer me for what I have asked for. Am I dealing with Robots here? Hi XXXX, We're sorry for your disappointment with the service experienced. We know you count on receiving friendly and helpful service from us, and we regret that this wasn't your experience with us. We'll be sure to keep your comments in mind as we work toward making the XXXX experience better for every guest. In regards to your concern, we see that you gave us a call today, inquiring about the letter that you sent us. At this time, we dont have any additional updates as far as the letter or returned payment fee. We appreciate you bringing this matter to our attention. You're a valued guest, and we hope you'll consider shopping at XXXX again. Thanks for writing to us. Sincerely, XXXX XXXX XXXX, servicer to XXXX XXXX XXXX, XXXX. I talked to a card service member last week to settle this returned check fee for a payment I have made online. The payment was returned by my bank because they were forced to closed my account which I had for over twenty years and issued me a new one, however, they made a mistake in giving me my new account and the first digit was supposed to be 1, but by mistake they gave meO as the first digit or something like that. I notified the XXXX XXXX and this is what I wrote and their reply : Account Identification Number : XXXX From : XXXX XXXX XXXX To : XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Current Account Information Questions It seems like my account is out of sink. I made payments but I see two fees added when my account should be XXXX. I have had my bank account at XXXX XXXX XXXX was hacked and large amount of money was taken out. The bank closed my old account and opened a new one. It could be that they were cautious and retuned my payment? You wrote back : Hi XXXX, We understand your concern regarding your account. Your bank returned the recent {$32.00} payment because the account couldn't be located. Your XXXX account was charged a fee due to this returned payment. We're unable to remove the returned-payment fee from your account. We understand that this may not be the outcome you were looking for, but we hope you understand that we must remain consistent with our credit policies in fairness to all our accountholders. If you wish to dispute the returned payment on your account, please include written verification from your bank to request the returned check fee to be removed. Also, include your XXXX Account Identification Number, which can be found at the top of the Account Summary page of Manage My XXXX, on all correspondence. Please send this information to : If approved, you'll see a credit for the returned check fee on your next statement once verification has been received from your bank. Thanks for contacting us! I then obtained a letter from my bank addressing the above and sent it to XXXX Bill Payment Center. After a few days, the fee charge for {$27.00} was still listed as due. I then called the XXXX XXXX services and was told that the issue will be taken care of and {$27.00} will be rescinded. And now today I have been slapped with another {$28.00} and now XXXX demands that I have to pay {$55.00}. At this point I am frustrated and your two numbers listed XXXX For Account Management Questions XXXX For General Credit Questions -- -- -- do not provide for to be able to talk to a live person. If this trend continues, I will cease my relationship with XXXX permanently and will never shop at XXXX and I will prevent my family and friends from visiting XXXX. This level of incompetence can not be tolerated. Hi XXXX, We're sorry for your disappointment with the service you experienced. We know you count on receiving friendly and helpful service from us, and we regret that this wasn't your experience with us. We'll be sure to keep your comments in mind as we work toward making the XXXX experience better for every guest. Unfortunately, we're not able to help you with this through online messaging. If you'd like to speak to a representative regarding this issue, please give us a call at ( XXXX ) XXXX. Our normal business hours are : Mon - Thu, XXXX - XXXX ; Fri, XXXX - XXXX ; Sat, XXXX - XXXX ; Sun, closed. All times Central. We're closed on some holidays. Thanks for writing. Sincerely, XXXX XXXX XXXX, servicer to XXXX XXXX XXXX, XXXX. The number you provided is no good to me. ( XXXX ) XXXX. It provides four options and no access to live customer service. I now have no choice but to report this entire episode to XXXX County Government-Office of Consumer Affairs and to our local TV Channel XXXX on your side Program. Enough is enough. Hi XXXX, We're sorry for your disappointment with the service experienced. We know you count on receiving helpful service from us, and we regret that this wasn't your experience with us. We'll be sure to keep your comments in mind as we work toward making the XXXX experience better for every guest. After reviewing your account, we found that we've already opened a dispute case for you. We're not able to help you with this through online messaging, for the best help with your payment dispute, please call us at ( XXXX ) XXXX to speak to our Dispute Resolution team. They're available Monday through Friday, XXXX XXXX - XXXX XXXX ( Central time ) When you're asked for your account number, you can press #, #, # to speak to a representative. Looking forward to your call! I have no choice but to take legal action in this matter. I did not get anywhere with the number provided. It is just dead end. And please cancel my card ASAP. I and my family will never patronize XXXX ever again. I have just tore up my XXXX card # XXXX XXXX XXXX XXXX. Your incompetence is astounding. Here is a sample of the letter XXXX XXXX XXXX sent me without charging me a fee for a returned check A payment was returned unpaid Please make a replacement payment right away Hi, XXXX. A recent payment of {$100.00} on your XXXX Anywhere Visa account was returned unpaid by XXXX XXXX. What happened and whats next? The payment couldnt be processed with the account and routing information provided. Delete the payment account, re-enter the account and routing number and try making a replacement payment. You can quickly and easily manage your payment accounts and make a replacement payment in the XXXX Mobile App or XXXX Online. The payment will be credited same-day. Please contact XXXX XXXX directly for any further questions or clarifications about this returned payment.
Company Response: Closed with explanation

Timely Response

2018-10-29

GA

Getting a loan or lease

Vehicle loan or lease: Loan

Fraudulent loan
Complaint: On XX/XX/XXXX I went to look at a XXXX XXXX XXXX used XXXX on the lot at XXXX XXXX XXXX XXXX. When I got there I informed the 1st person that talked to me his name was XXXX that I had emailed with XXXX XXXX and XXXX XXXX and that I had my own financing of up to {$14000.00} he joking said {$15000.00}. He got XXXX out to talk to me and I informed him of the financing and he opened the vehicle for us to look at. XXXX comes out and I tell him about my financing and then XXXX comes back and says you do not want this vehicle it takes synthetic oil and premium gas. Ok I was getting ready to leave as I only came in to test drive the XXXX XXXX XXXX. XXXX says come in and let me see if XXXX has better interest rates than XXXX. He said it would be maybe a half point on the credit score as he was doing soft inquiry. I also explained to him that I was still shopping and had an appointment to see a vehicle in XXXX XXXX at a dealer I also explained this to XXXX when I saw him, I was only doing preliminary shopping for a used XXXX. I also told him if he had a used manual transmission on the lot he needed to get rid of to let me know. He gets my information and disappears for about 30 minutes. When he comes back I specifically asked him are you checking with BANKS on my behalf and he said NO and left again and went back into another office. Another 30 minutes passes and I was getting ready to leave as I did not think it took that long to find out what XXXX interest rates were. He then takes me over to XXXX XXXX desk and XXXX writes on a scrap piece of paper that he can get me a XXXX new XXXX XXXX manual transmission for {$480.00}. a month. I started laughing and was getting up to leave and he said what can I do to get you to buy this vehicle today. I laughed even more I thought this was all rather funny as I had told him now on several occasions that I had my own financing even showing both XXXX and XXXX the email from XXXX and that I was still shopping and had plans to see more used XXXX 's in the next several days. He said we can get you the new XXXX XXXX manual transmission for {$11000.00}. and it will be {$480.00} a month. I said no thanks and left. My XXXX year old son was with me and will attest to these facts also. The next day XXXX calls up and says good new we can get you in the XXXX for {$390.00} a month I was like what ... I told him that I had already told him on several occasions I was not ready to buy nor was I shopping for a new vehicle. Then I get notification from my bank that several hard inquiries had been run on my credit. I contacted the 3 lending institutions that I saw and inquired if any were XXXX financing none were. I contacted the manager of the dealership to give him a chance to correct this wrong. He said he was not there that day and he would check for me. He called back and said that XXXX had not informed the assistant manager that was there that day that I had my own financing nor did he tell him that I was shopping for a used vehicle. That XXXX had informed him that I desperately needed a vehicle. I did not give any one permission to try to get me financing nor did anyone ever ascertain from me the terms I would want to obtain a loan or even how much down payment I had as this information was already in my loan application with my bank XXXX and I had been approved for a loan through them for up to {$14000.00}. on a used vehicle of my choice. The manager said he would not contest when I sent my letters to the credit bureau that they ran unauthorized loan applications without permission using my information. But I find this practice very unethical and they lied to me and I am sure running someone's credit information without permission is wrong and should be prosecuted. I have further received a letter from XXXX that says they declined to give me a loan. I called them and told them I did not apply for a loan with them. They were not interested in finding out that XXXX XXXX XXXX XXXX ran this without my permission. It would seem that every bank that XXXX XXXX XXXX XXXX pulled into this scheme of illegal behavior would also be culpable. I am not sure of the number of times they applied for credit for me without my permission or knowing how much I had to put down or any terms that I would want to complete a loan. The manager said XXXX never checked XXXX financing and that would only take a phone call and he did not need my information to ascertain the interest rates from XXXX. This seems to have been deceptive from the beginning nor has anyone informed me the interest rate or any other relevant information that I would need to make a determination. This was deceit from the beginning and these actions have been detrimental to me. These actions have harmed me as now the interest rate of my approved loan will be adversely affected by the deceitful actions of XXXX XXXX XXXX XXXX. I will be happy to provide any and all information that you will need along with the contact information for my witness.
Company Response: Closed with explanation

Timely Response

2018-10-29

Dallas, TX

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
Company Response: Closed with explanation

Timely Response

2018-10-29

Biscayne Park, FL

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

2018-10-29

White Plains, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-10-29

Wallington, NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I refinance a mortgage with TD Bank in XXXX. No credit problems with anyone besides TD Bank on my TRW to date. TD bank has attempted to charge me unwarranted fees and is attempting to wrongfully foreclose on my home. TD bank submitted the annual escrow payment report in XX/XX/XXXX period. There was large escrow balance to cover the next tax payment and more. In XX/XX/XXXX the account was current with TD Bank. In XX/XX/XXXX I decided to pay my own taxes and insurance due to major problems with TD Banks accounting. They were charging me Uncollected late fees for funds that were paid to them per the detailed history report provided by TD Bank. The mortgage payments were accounted for in an account called Unapplied Funds per TD Banks account data. I spoke to 6 different TD Bank representatives from their mortgage department while using the same phone number listed on my mortgage statements. In early XXXX I spoke with a representative concerning paying my taxes and insurance myself. The individual requested I fax him a letter stating the fact that I would pay the taxes and insurance myself. I wrote XXXX faxed XXXX TD Bank concerning a change in the escrow account. I paid the taxes and home insurance ( advance ) for XXXX and XXXX. The mortgage payments were made timely for the principal and interest. There were no problems paying the taxes and insurance directly. I believed if we simplified the transactions to TD bank there would be no future confusion and/or wrongful charges. TD Bank has a contract with core logic to pay the taxes in the township. Core logic made payments for taxes that were paid in advance by me. Thus duplicating the payments to the township. At the end of the townships accounting cycle, core logic was refunded the tax overpayments by the township. Also, there are several adjustments with the township and core logic listed in tax account with township since core logic pays a lump sum for many properties in the township. I have no control over XXXX XXXX and or a contract with them. TD Bank has charged me late fees for each month of XXXX and XXXX period. TD Bank sent foreclosure letters concerning mortgage payments paid, cashed and received by TD Bank. TD Bank listed no payments received on my XXXX for the XXXX and XXXX periods. On the XXXX TRW the mortgage amount was reduced from {$2100.00} to {$1100.00} in XX/XX/XXXX but not to the contracted principal and interest amount of {$1000.00}. On the XX/XX/XXXX Mortgage Statement TD bank list Escrow paid to date {$550.00}. If we divide XXXX {$46.00}. {$1000.00} + XXXX = {$1100.00}. The amount listed as a scheduled payment on the TRW for the mortgage is {$1100.00}. To date TD Bank has not explained this {$550.00}. My Taxes and insurance are paid in full for the XXXX and XXXX period by ( me ) mortgagee. The principal and interest is paid in full for the XXXX and XXXX period. Td Bank is fully aware of this. I have written XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX TD Banks Head of Payments Capability and Customer Experience with substantiation of the mortgage payments, tax payments and insurance payments. The amounts are paid timely and are paid in full to date. XXXX XXXX The Loan Servicing and Customer Collections Customer Resolution Advocate was contacted XX/XX/XXXX in writing. TD Bank is charging me late fees, appraisal fees, legal fees and any other fee it can manage for a mortgage that is paid in full. While at the same time incorrectly reporting to TRW that I am delinquent. My credit score has plummeted do to TD Bank only and is costing me money. TD Bank states that I am delinquent for {$26000.00}. To date I have not received any documentation detailing how this {$26000.00} amount was computed. But have provided a detail list with substantiation for all mortgage payments, tax payment and insurance payments to TD for the same periods in question. The payments exceed {$26000.00}. TD Bank is attempting to foreclose on my property for {$550.00} of unwarranted fees.
Company Response: Closed with explanation

Timely Response

2018-10-28

Phila, PA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with monetary relief

Timely Response

2018-10-28

Franklin Lks, NJ

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Closed with explanation

Timely Response

2018-10-28

Wilmington, DE

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Company Response: Closed with explanation

Timely Response

2018-10-28

Harsens Is, MI

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: I applied for ONE CAR LOAN and they ran my credit several time with out my permission and for cars Ive never asked for!
Company Response: Closed with explanation

Timely Response