Mortgage -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5869048
Complaint Overview
Complaint ID: 5869048
Company: TD Bank US Holding Company
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Investigation took more than 30 days
State: New Jersey
ZIP Code: 075XX
Date Received: 2022-08-11T12:00:00-05:00
Date Sent to Company: 2022-08-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern. This is my second dispute with the CFPB regarding this issue. My original compliant number is XXXX. Please see attached response from TD Bank Representative. The Representative documented my XXXX payment was not the full amount and was short {$290.00} which caused my XXXX payment late. I have provided the annual statement I received from TD Bank specifying my new mortgage payment amount and also I attached my payment history provided to me by TD Bank. On XX/XX/21 I made a payment in the amount of {$1600.00} which is the correct amount due based on the statement provided to me. Unfortunately, there was a delay in processing my deferral which caused huge discrepancies on my account, however due to the delay on TD Bank it caused my payments to appear as partial payment and late. I am not asking for the late reporting to be removed as a courtesy but requesting the late reporting to be corrected because the error was on TD Bank and the delay and processing of my deferral and updating my account.
Frequently Asked Questions
What is Complaint #5869048 about?
Complaint #5869048 was filed against TD Bank US Holding Company regarding Mortgage specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2022-08-11T12:00:00-05:00.
How did TD Bank US Holding Company respond to this complaint?
The company responded with: "Closed with explanation". 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 (Mortgage) 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.