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Complaint Details
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Initial Complaint
10/21/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
**** has not been right since beging,payed unnecessary late fee,calling husband's work saying we were late payment and was not. Taken payment out of bank account for reaccuring payment method on due date(225$) and more than what authorized was taken (436$), on the phone for hours (3-4 at a time) multiple times trying to get answers most of the time no answer or get disconnected.
Business response
10/30/2024
Good day. Please see the attached interim letter while these concerns are investigated. A full response will be provided once the investigated is complete. Thank you,Initial Complaint
10/21/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
I traded Buick acct # ********** to ****** Jeep Greer SC on Sep *******. ******* **** was in hospital I had his POA. ACH payment of $ ****** to TD Auto Finance was made on Sept *******. I have talked to my bank. Your customer service *** wants a death certificate. to return money to ******* ****, my husbandBusiness response
10/31/2024
Good day. Please see the attached letter. Thank you,Initial Complaint
10/21/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Just opened up this account last week Monday, and theyre saying it takes 6 days to clear my check now after the banker that deposited my check said itll take a total of two days. I already hate banking with them. I need my money NOW not six days from now. I feel lied too.Business response
10/30/2024
Good day. Please see the attached letter. Thank you!Initial Complaint
10/19/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am writing to formally complain about TD Bank's handling of my mortgage forbearance and subsequent attempts to collect an outstanding balance. Due to job loss and severe financial distress, I sought a mortgage forbearance, which TD Bank approved. Upon concluding the forbearance period, I was informed by ***** ******* on August 4, 2024, that I could have the forbearance balance added to the rear of my loan. I consented and was assured that this request was submitted to underwriting. Despite my proactive efforts to clarify and finalize this request, including multiple communications with TD Bank representatives, I have seen no resolution. My documented interactions include: August 30: ***** ******* requested the loan forbearance amounts be added to my loan's end. September 5: Two inquiries were made to underwriting regarding adding amounts from the forbearance period. September 5: ****** ***** informed me that an email had been sent for account updates, confirming the matter was pending with underwriting. October 9: I escalated the issue to supervisor Charity (ID9060) due to adverse actions impacting my credit report. Despite being assured of no adverse actions while my loan was under review, TD Bank has reported late payments for 120 days and an outstanding balance of $12,000 to credit bureaus. This has resulted in my credit score plummeting from 800 to 628, creating severe personal and financial hardship. I believe TD Bank's practices in this situation violate ethical and possibly legal standards. I urge you to address this matter expeditiously, rectify the inaccuracies reported to the credit bureaus, and ensure fair treatment moving forward. If this issue remains unresolved, I will be forced to seek legal counsel and consider sharing my experience publicly to highlight these questionable practices, particularly concerning how they disproportionately affect individuals in marginalized communitiesBusiness response
10/28/2024
Good day. Please see the attached interim letter while these concerns are investigated. A full response will be provided once the investigation is complete. Thank you,Initial Complaint
10/18/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
9/7/2024 FInanced car traded in and auto payments stopped via website 9/10/2024 Payment drafted from checking account after auto pay stopped 9/11/24 through 10/18/24- 7 calls made to attempt to resolve overpayment issue without resolution Was informed check was mailed on 10/1/24. This check was never received Requested stop payment and new payment to be overnighted or via direct deposit on 10/14/24, was told tis could not happen.Called again 10/18/24- Was told a stop payment verification would take 3-5 days to verify that check sent had not been cashed. I can personally call a bank a verify this is appx 5 minutes, I am unsure why TD auto is unable to complete this task in less than 3-5 business days. Was informed escalation would take another 3-5 business days before new payment could be ************** this time TD auto finance has kept overpayment drafted in error by them for 6 weeksBusiness response
10/25/2024
Good day. Please see the attached interim letter while these concerns are investigated. A full response will be provided once the investigation is complete. Thank you,Customer response
10/28/2024
Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered.
As of 10/28/2024 overpayment refund has still not been received. 7 weeks
Check #1 supposedly sent 10/1/24- finally received after stop payment put in place on 10/22/24. Post **** on mail dated 10/18/24. This check was not sent on 10/1
Check #2 supposedly sent 10/18/24- stop payment issued, check never received- sent to wrong address after request made to overnight to new home. Requested manager call back, never received. Received a call from supervisor ****** who stated that no one could help us and then disconnected call abruptly. Was told she was supervisor, asked to speak to manager as previously requested and ****** informed me that no one was there that was higher than her. Extremely rude conversation with no resolution
Check #3- was told that this over overnighted to correct address on 10/24/24. As of this morning 10/28/24, no check received. When calling to get tracking number was informed by customer service that there was no tracking available and they were unable to say if check had actually been overnighted or not. Unsure if this has been sent at this point.
We are 7 weeks in, no resolution. No help from customer service or TD ********************. 11 calls and numerous hours later we have no resolution and TA auto still has funds that do not belong to them. Account is paid in full as has been since September.
Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
FAQ
Regards,******
Business response
10/30/2024
Good day. Please see the attached letter. Thank you,Initial Complaint
10/18/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
My complaint is that I have an auto loan with them and finally on 09/27/24 I made a payment $3000 dollars which left me owing them 1665. as a payoff that they said needed to be paid off by10/09/24.On 10/7/24 I made that payoff payment of *******, I checked my credit on 10/17/24 and they have that payment I made on 10/07/24 setting out there as being late, as through it isn't paid. They say I have to write a letter to the Credit Resolution Team to get that resolved, in the meantime my credit score has dropped. It will take about two months before this is resolved and my credit will be damaged by this action. They took my money and they should be able to reverse that because they were paid in the time frame that they said it needed to be paid. They sent the wrong information to the credit ***** and they should correct that without me having to send a letter that gonna take two months to resolve. So buyer be aware if you pay off ahead of time you're making a mistake.!! Hope you can help. ThanksBusiness response
10/25/2024
Good day. Please see the attached letter. Thank you,Initial Complaint
10/18/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
I am writing to dispute the inaccurate and unlawful reporting of an account from TD Auto Finance, reflected on my credit report. This account, with number [Insert Account Number], was charged off and subsequently paid in full; however, I never received a 1099-C form for the canceled debt. As this form is required by the *** to report forgiven debt, the failure to provide it constitutes tax fraud. I have been advised by the *** to file Form 3949-A to report this violation. Additionally, TD Auto Finance has failed to follow proper UCC (Uniform Commercial Code) regulations with respect to the repossession of the vehicle associated with this account, further invalidating the legitimacy of the reported information.Moreover, a previous dispute letter dated 9/25/2024, which I have attached for your reference, notified you that TD Auto Finances business registration in ***** is currently inactive, and their right to conduct business within the state has been forfeited. Since the company lacks the legal authority to operate in *****, it cannot lawfully engage in activities such as reporting debts to credit bureaus. I have also included Franchise Tax Details to confirm their inactive status.Under the Fair Credit Reporting Act (FCRA), 15 USC 1681e(b), you are required to ensure that all information reported on credit files is 100% accurate. Due to the discrepancies mentionedspecifically the missing 1099-C, violations of *** regulations, and the forfeited legal status of TD Auto Financethe continued presence of this account on my credit report is unlawful and misleading. Therefore, I demand the immediate removal of this account from my credit file.Please be advised that failure to remove this inaccurate account within 30 days will result in further actions, including filing complaints and pursuing legal remedies for damages. I expect written confirmation of the accounts removal within the timeframe required by law.Business response
10/31/2024
Good day. Please see the attached interim letter while these concerns are investigated. Thank you,Initial Complaint
10/17/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I had a credit card for a furniture purchase set up. I paid over the amount every month, paying off the balance early. The last payment I made appeared to not register so I waited 2 days and made another payment, then both payments processed, which resulted in a credit balance. As soon as both processed I called in July, 2024 to request a refund, I was told it would be sent. 1 month later in August I called and asked again for a refund because I had not yet received, again told they would process the payment. September 17, 2024 I called and requested a refund and was given the same run around about processing and the system not working correctly. It is now October 17, 2024 and I've called again to request the refund and I'm getting the same run-around.Business response
10/25/2024
Good day. Please see the attached letter. Thank you,Initial Complaint
10/17/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I recently reviewed my credit report to ensure its accuracy. Upon examination, I noticed an error regarding the TD Auto Finance account (******XXXX). Although the account is paid off and closed, I request a thorough reinvestigation to verify the completeness of all associated information.Additionally, I dispute this account's presence on my report because:1. TD Auto Finance failed to provide me with the original contract upon request.2. I am not liable for this account.I demand the removal of this closed account from my credit report. Please investigate and correct this error as soon as possible.Business response
10/25/2024
Good day. Please see the attached letter. Thank you,Initial Complaint
10/16/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
TD Bank refuses to answer phone calls at the card billing section of the company. TD Bank does not man or monitor phone lines. I have been unable to speak to a representative to discuss and or pay my account. TD Bank has discontinued the use of a website that customers paid bills on a regular basis. I also believe that this maybe a criminal tactic in an effort to charge customers late fees.Business response
10/25/2024
Good day. Please see the attached interim letter while these concerns are investigated. A full response will be provided once the investigation is complete. Thank you,
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