Debt collection -- Communication tactics -- Complaint #17951934
Complaint Overview
Complaint ID: 17951934
Company: TD Bank US Holding Company
Product: Debt collection
Sub-Product: Auto debt
Issue: Communication tactics
Sub-Issue: Frequent or repeated calls
State: California
ZIP Code: 93536
Date Received: 2025-11-26T12:00:00-05:00
Date Sent to Company: 2025-11-26T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
CFPB Complaint Submission TD Auto Finance ( Harassing Calls/ Compensation Request ) Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX Company : TD Auto Finance Type : Auto Loan Servicer / Debt Collector 1. What Happened I am filing a complaint regarding harassing and excessive collection calls from TD Auto Finance on XX/XX/XXXX and XX/XX/year>, despite being only a few days past my due date and not even close to 30 days delinquent. TD Auto Finance called me repeatedly, often 12 minutes apart, and did not leave voicemails, which created XXXX, workplace disruption, and XXXX. Call Log Provided Below : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This violates acceptable call frequency limits, including the industry-standard 7-7-7 Rule, and may violate the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act in California. 2. What I Did to Resolve This On XX/XX/year> at XXXX XXXX, I called TD Auto Finance and told them : to stop the repeated calls, that I am only a few days past due ( not 30 days ), that I would make the payment before the 30-day mark, that I attempted to get assistance through their online system, but received no response. Despite this, the excessive calls continued. 3. How This Affected Me The call behavior caused : XXXX and XXXX Constant disruption while I was at work Mental XXXX waiting for repeated calls Confusion due to no voicemails being left This is harassment and an abuse of communication practices. 4. What I Want the CFPB to Help Resolve I am requesting the following : 1. TD Auto Finance must stop the excessive and back-to-back calls. 2. They must limit communication to written contact only unless I approve otherwise. 3. They must confirm my account will not be negatively reported as long as the payment is made within 30 days. 4. They must correct and investigate their call practices on my account. 5. I am requesting compensation for the XXXX, XXXX, and workplace disruption caused by the repeated calls. 6. TD Auto Finance must provide a written explanation of how they will prevent further harassment.
Frequently Asked Questions
What is Complaint #17951934 about?
Complaint #17951934 was filed against TD Bank US Holding Company regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2025-11-26T12:00:00-05:00.
How did TD Bank US Holding Company respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against TD Bank US Holding Company?
Yes, visit the TD Bank US Holding Company company profile at readthecomplaint.com/company/td-bank-us-holding-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.