Vehicle loan or lease -- Managing the loan or lease -- Complaint #6377509
Complaint Overview
Complaint ID: 6377509
Company: TD Bank US Holding Company
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Managing the loan or lease
Sub-Issue: Billing problem
State: Texas
ZIP Code: 77386
Date Received: 2022-12-29T12:00:00-05:00
Date Sent to Company: 2022-12-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I always paid TD Auto Finance by Telephone Pay every month, whatever the total dollar amount the voice machine said to pay. Since XXXX XXXX 5days late, my credit reports have shown late payments. XX/XX/XXXX - 4days late XX/XX/XXXX - 1 day late XX/XX/XXXX - 34 days late ... ... ... .16 mos+ late payments are on my credit reports XX/XX/XXXX - 52 days late None of the above is correct, I paid the amount TD Auto Finance phone pay told me to pay. I called and TD Auto Finance, verified by phone and I was correct by paying the dollar amount I was told at the time. TD Auto said I had to dispute with their company and the 3 credit bureaus to correct the negative reporting. I did report to TD Auto Finance and all 3 credit bureaus and nothing changed. This is not fair nor right, I paid every month by phone pay and if I was behind phone pay should of alerted me the correct amount every month to pay so I am not reported late to the 3 credit bureaus. Please make TD Auto Finance repair my credit ASAP to all 3 credit bureaus. I paid monthly and their phone pay shows this, so why am I being penalized for paying monthly by phone pay. My credit has suffered. Remove all negative monthly car payments with TD Auto Finance. Please repair immediately, I only have 2 car payment left. Thank you
Frequently Asked Questions
What is Complaint #6377509 about?
Complaint #6377509 was filed against TD Bank US Holding Company regarding Vehicle loan or lease specifically about Managing the loan or lease. It was received by the CFPB on 2022-12-29T12:00:00-05:00.
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 (Vehicle loan or lease) 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.