| 07/27/2022 |
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- Mortgage
- Other type of mortgage
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XXXX XXXX- We started shopping around for Construction Loans, due to running out of funds from the HELOC we previously took out to build an inlaw for my sick mother and remodel our existing home. I got in touch with TD Bank among other ones and decided to go with them.
XX/XX/XXXX, XXXX Started filling out the application I emailed XXXX XXXX to see what loan product I should chose because Construction Loan was not an option.
-I was told by XXXX XXXX to choose Refinance and XXXX XXXX would then structure it as a Construction Loan.
XX/XX/XXXX We received an email from XXXX XXXX @ XXXX stating that if we had any question about the application to reach out. Then we received another email form him @ XXXX with him saying I couldnt find you in our system. Can you remind me what you are looking for?. Then soon after that email, we received another from him @ XXXX saying that he reviewed the application, and that my husbands income alone the DTI is too high. ( I could apply because I am a 1099 employee and because of Covid I was not able to work. ) XX/XX/XXXX @ XXXX I asked if we could use a Co-signer XX/XX/XXXX @ XXXX XXXX XXXX responded , yes and that a co-signer would potentially work. He also asked how much income would be added by the cosigner.
XX/XX/XXXX @ XXXX - I responded back the XXXX XXXX and let him know that it would add XXXX a month and that the credit score was over 800.
XX/XX/XXXX @ XXXX XXXX XXXX So good, would any debt be add?
XX/XX/XXXX @ XXXX I asked if we could hop on a call to get further understanding of what he was looking for.
XX/XX/XXXX @ XXXX I let XXXX XXXX know that it would be my mom that would be co-signing and that she mentioned a student loan that was in a forgiveness program, I asked to hop on a call again and asked what are our options to bring my husbands DTI down.
XX/XX/XXXX @ XXXX XXXX XXXX replies added your mom to the loan ( she did not state her name she said mom, so unprofessional and discriminatory I was not liking that at all. ) XX/XX/XXXX @ XXXX ( there must have been phone call before this ) XXXX XXXX confirms that paying off one of our 2 leases would not work to lower my husbands DTI .
XX/XX/XXXX @ XXXX I sent over my mothers information.
XX/XX/XXXX @ XXXX XXXX XXXX added my mom ( he used her name in the email ), that the DTI was still tight, but he thinks we can make it work. Then asked if we could provide the Builder Contract, Plans and Specs and Budget.
XX/XX/XXXX @ XXXX I was still working with my contractor get over cost worksheet provided by TD Bank and I asked how soon I need to have the paperwork in by.
XX/XX/XXXX @ XXXX XXXX XXXX XXXX can get the ball rolling as soon as info is recorded.
XX/XX/XXXX @ XXXX I wrote I was finally able to get everything I needed from the contractor. Please if you have any questions give me a call XXXX. Also some of the items quoted have already been paid for, thanks a bunch!
XX/XX/XXXX @ XXXX XXXX XXXX Congrats again on your renovation.
I wanted to detail for you the next steps of this process with TD Bank. XXXX, XXXX and XXXX will be working together to make sure your closing goes smoothly!
1. I would like to introduce XXXX XXXX. She works on my team and she needs to have a XXXX minute phone call with you this week to confirm some details. She will be reaching out to schedule a call after she reviews your file.
2. In preparation for your call, please gather the following information a. Credit card number for Appraisal order ( XXXX will take this over the phone ) b. Last 2 Year 's W-2s c. Last 2 months paystubs d. Last 2 months bank statements e. E-consent PRIOR to your phone call. An email was just sent out. Authorization code is last 4 of your social.
We look forward to making this a smooth and stress free transaction for you. Thank you for your business!!
XX/XX/XXXX @ XXXX XXXX XXXX emails all of us and say I am free anytime after noon on Monday. Or if Monday doesn't work for you, I am free any time after XXXX on Tuesday.
Please let me know the best time and number to reach you. I only need to speak with one of you but if more would like to be on the phone, that is fine too.
Thank you!
( We all respond our best times that very day ) XX/XX/XXXX @ XXXX XXXX XXXX XXXX! I will put you down for XXXX on Monday. Confirm the best number to call and I will call you then!
XX/XX/XXXX @ XXXX XXXX XXXX sends a reminder/confirmation email for our call @ XXXX XX/XX/XXXX @ XXXX I replied Great, thank you so much XX/XX/XXXX @ XXXX XXXX XXXX Thanks us for the call and sends a list of items needed XX/XX/XXXX @ XXXX I send over the first of many attachments and then @ XXXX I send the rest of the attachments XX/XX/XXXX @ XXXX XXXX XXXX confirms that she as received them.
XX/XX/XXXX @ XXXX XXXX XXXX confirms receipt again and send a list this time of remaining items needed.
XX/XX/XXXX @ XXXX I send over the remaining items and in a separate email @ XXXX I send over our house plans ( it is a big file ) XX/XX/XXXX @ XXXX XXXX XXXX confirms receipt and says that she will initiate contact with the Title agent.
( We were call inbetween this time to get updates to see if they needed anything else from us ) XX/XX/XXXX @ XXXX XXXX XXXX- According to my list, the only items I am missing for the file are the Plans and Specs. Once received, I can move the file to the next phase.
Thank you, ( XXXX XXXX confirmed that she received them and the other items on XX/XX/XXXX @ XXXX ) XX/XX/XXXX @ XXXX, XXXX and @ XXXX I try to send the house plans XX/XX/XXXX @ XXXX My husband tries to send the house plans also XX/XX/XXXX @ XXXX XXXX XXXX- Ok, I am getting notifications that you are trying to send it but it is too large. Do you have the ability to upload to the portal or compress the file?
XX/XX/XXXX @ XXXX My husband tries to send the house plans again.
XX/XX/XXXX @ XXXX XXXX XXXX Can you compress the file or split it up?
XX/XX/XXXX @ XXXX My husband tried to send it again.
XX/XX/XXXX @ XXXX XXXX XXXX Perfect! Thank you! ( she finally received them ) ( Phone calls were made in-between here ) XX/XX/XXXX XXXX XXXX XXXX XXXX Can you please update/correct the cost worksheet? Its showing a cost of XXXX and its supposed to match the contract price. ( this was sent to our contractor, this is the cost worksheet that she previously stated on XX/XX/XXXX that was received ) ( Calls made to see how we were looking for closing because as far as we were told everything was in Closing was originally set for XX/XX/XXXX ) XX/XX/XXXX @ XXXX XXXX XXXX XXXX We received feedback from Underwriting that we need to clear up two items before moving forward.
1. XXXXplease verify your rent amount for XXXX XXXX XXXX XXXX along with a copy of the lease agreement 2. XXXXplease provide documentation to evidence your federal student loan payment once its out of deferment. Your credit report currently doesnt reflect a student loan payment probably because of the force placed forbearance but we need to know what the payment will be once the government forbearance is lifted.
XX/XX/XXXX @ XXXX I emailed back Hey XXXX XXXX Here are the two attached documents as requested. Thanks a bunch, please let us know if you need anything further from us.
XX/XX/XXXX @ XXXX XXXX XXXX Received and reviewed these items. Lease is fine. For the student loan documentation, I will need more. Because the letter provided sattes the following, " The account is currently on a National Emergency Forbearance through XX/XX/XXXX. Repayment will begin XX/XX/XXXX. '' We need to know what this payment will be so you may need to contact XXXX XXXX for them to generate another document for you. According to the letter it may be on an income driven repayment plan.
( Spoke to XXXX XXXX on the phone about this. Then called customer service and a local branch to get help and to further escalate. They gave me XXXX XXXX information he is a XXXX XXXX. ) ( I also called XXXX XXXX to make sure it was ok to continue construction while we were in the process, being a XXXX XXXX XXXX, I know big purchases are a no no ) XX/XX/XXXX @ XXXX XXXX XXXX I ran your scenario by XXXX and she said as long as it is part of the cost to construct, we should be able to credit it to her. If the builder is asking above that, then we would not. '' So if its work/cost as a part of your contract then yes, we would be able to credit this to you.
XX/XX/XXXX @ XXXX I emailed Thank you, so to confirm it is ok to use the HELOC to make the payment?
XX/XX/XXXX @ XXXX XXXX XXXX XXXX Correct.
XX/XX/XXXX @ XXXX I emailed back, Thanks so much.
( Calls made to the Staff to see how closing is looking ) XX/XX/XXXX @ XXXX I emailed, Hi XXXX, XXXX this email finds you well. Just checking in to see if we are still on for closing XX/XX/XXXX and also if the appraisal has been completed.
XX/XX/XXXX @ XXXX XXXX XXXX Hello XXXX, Thank you for reaching out. I have received an update from Underwriting and we will have to push out the closing date from XXXX since we are still running into challenges with our Debt to Income ratio. We are at about a 47 % and we need to be at 43 %.
Previously, XXXX provided documentation to evidence a {$0.00} payment for the student loan. However, on that same document, it states the repayment will go into XX/XX/XXXX. For that reason, the Underwriter can not make this a {$0.00} payment and we have to hit you with a worst case payment of 1 % of the balance. Unless we have other documentation to show that this will remain in deferred status for more than 12 months.
We could look at paying off some additional debts in order to qualify. We could pay off under XXXX, the XXXX XXXX and XXXX XXXX XXXX card. Then payoff XXXX 's XXXX and that would get our DTI right under 45 % If we're under 45 % we can ask for an exception. We could collect the payoffs at closing so you dont have to pay them off prior to.
Please let me know if this is a n option.
( I immediately called her because I did not understand why Underwriting were still considering worst case when the worst case is a {$0.00} payment, also why would we pay $ XXXX cash at closing to pay off credit card debt, when it could all be wrapped up in the loan. I was so confused on what changed. ) XXXX XXXX @ XXXX My husband emailed and asked Ok how much do we have to pay out of pocket to get it down?
XX/XX/XXXX @ XXXX I emailed Hello XXXX, I am not sure I understand what you mean about the 1 % her payment no matter what is going to remain {$0.00}. Maybe we can hop on a call? As far as paying off some debt that is an option as well. Please let me know when you have time to talk.
( XXXX and I spoke about getting another letter and what else we could do to pay off the debts i.e. have the debt paid off through the loan at closing. We didnt have that type of cash laying around and wouldnt the bank rather us pay through the loan rather then using so much cash. It didnt make sense it is like we were being pushed between rock and a hard place. ) XX/XX/XXXX @ XXXX My mother emails over a third letter to XXXX to submit to underwriting.
( I called and spoke with XXXX, she said that this last letter looked good, better then the other to that were submitted and that it should be a go. ) XX/XX/XXXX @ XXXX XXXX XXXX So I received feedback from the Underwriter regarding the student loan and he will not make the change.
It is TD 's policy that any deferred loans, we have to include a payment of 1 % of the outstanding balance to qualify. We have to hit you with a worst case since the credit report itself isn't reporting an amount. Underwriting will not allow for the exception to use the {$0.00} payment as evidenced on your letter. I know this is not the answer we were hoping for.
We do have the alternative/counteroffer to offer of paying off the 3 credit cards I previously mentioned ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) and XXXX under XXXX ) at the time of closing in order to get our ratios back in line to where they need to be.
You guys can discuss it and then let me know how you would like to move forward. Or if you have any questions, we can schedule a call at your earliest convenience HERE. This link will allow you to sign up for a time on my calendar and I will call you at that chosen time.
XX/XX/XXXX @ XXXX I replied Hi XXXX XXXX Thanks for getting back to us, at this point there is really nothing else that we can do other than to go with the next option and have the credit cards paid off at closing. We need keep the project moving and have to close as soon as possible. With that said, we are all fine with paying those debts off. Please let me know next steps and when closing will be scheduled.
XX/XX/XXXX @ XXXX XXXX XXXX Hello XXXX, I have notified your processor XXXX and the Underwriter of the plan to pay off the additional debts. This will be sent back and reviewed by the Underwriter to make sure these are acceptable terms.
The Appraisal is still outstanding so we wont be able to schedule a closing until we have one on file.
XX/XX/XXXX @ XXXX I emailed Hello, Just want to confirm if Underwriting is aware of us paying off the debts at closing and if so how is everything looking moving forward? Again, thank you all for all your efforts, we really appreciate everything youre doing for us.
XX/XX/XXXX @ XXXX I emailed again Good morning all, Just checking in to see where we stand on paying off debts at closing and off the appraisal is in?
Thanks a bunch!
XX/XX/XXXX @ XXXX XXXX XXXX Your file remains in the Underwriters queue for review. But good news the appraisal is in and a value of $ XXXX. See attached.
( Our house should have been appraised for higher, being an experienced agent, we should have been over {$1.00} million dollars. I looked at the appraisal report and it didnt look right to me so I tried reaching out to the appraiser. I met her the day she came out to look at my home ( which is a new build at this point ). I called and got the owner he was IRATE that I called and very defensive and told me that it was against the law for me to call there and he was so upset and said he would still answer my questions. I apologized and explained that I thought it was ok since my and the appraiser spoke plenty of times before on the phone and met in person, I didnt mean to upset him. ) XX/XX/XXXX @ XXXX I emailed That is great news how ever the bathroom count is incorrect there are XXXX baths and Im not sure she included the finished attic space. How do we get this fixed?
XX/XX/XXXX XXXX XXXX XXXX emails XXXX XXXX XXXX advise.
XX/XX/XXXX @ XXXX I sent an email apologizing to everyone I am just going to apologize to everyone, I called what I thought was the appraiser because she called me a few days ago to ask some questions. I thought it was ok to try to reach back to her to see if she was aware of the 4th bathroom. The owner actually answered the phone and by his tone he was pretty upset with me for calling, however I do want to make it clear that I didnt mean any harm and thought it was ok to call only because she called me with a few questions a few days ago.
XX/XX/XXXX @ XXXX XXXX XXXX I will review; and, advise ; but I think I received a change after the appraiser was told that all was set.
XX/XX/XXXX @ XXXX I emailed Thanks so much I really appreciate everything you all are doing for me and my family.
XX/XX/XXXX @ XXXX XXXX XXXX Good Morning!
We haven't received any updates from our appraisal team ; so, I don't think that this has created any kind of negative feedback from the appraiser.
We did receive the appraisal ; and, I have sent that to you under separate email cover.
Your loan is currently pending review in underwriting.
We will update you once the file has been returned to us.
Appreciated!
XX/XX/XXXX @ XXXX I said Thanks a Bunch!
XX/XX/XXXX @ XXXX XXXX email Good morning everyone, Just checking in, any word on closing?
Thanks so much!
XX/XX/XXXX @ XXXX XXXX XXXX Your file remains in the Underwriting queue for additional review. They still have to review and sign off that paying off the additional debt at closing will resolve our Debt to Income ratio challenge.
Once the file is out, we should have a better idea how quickly we can progress after that.
XX/XX/XXXX @ XXXX I emailed Ok great sounds good, thanks for the update!
XX/XX/XXXX XXXX XXXX XXXX We received feedback from the Underwriter. Upon his review, he is counter offering the loan for the following : This loan has been sent for a counter offer to new loan amount {$580000.00} and the following debts to be paid in full at closing : ( X ) The XXXX XXXX ENDING XXXX, ( X ) XXXXXXXX XXXX XXXX, ( X ) XXXXXXXX XXXX XXXX, ( X ) XXXX XXXX XXXX in order to bring Debt to income below 43 %.
Please confirm if you accept the counteroffer terms.
XX/XX/XXXX @ XXXX I emailed Is that after the HELOC and 1st Mortgage is paid?
XX/XX/XXXX @ XXXX XXXX XXXX Yes. Those are already included as to be paid off.
( Phone call to XXXX to explain if the credit cards will be paid through the loan at closing ) XX/XX/XXXX XXXX XXXX XXXX The additional bathroom is reflected in the room below grade count.
Credit for square footage on the appraisal is XXXX ; which seems to be in line with the specifications provided.
Hope this helps clarify, XX/XX/XXXX @ XXXX I emailed Thanks XXXX XXXX that definitely helps.
XX/XX/XXXX @ XXXX XXXX XXXX Awesome thanks XXXX XXXX
XX/XX/XXXX @ XXXX My husband emailed I got a merit increase this morning. Can you please add it to our file and let the underwriter know since it could help our application?
Please let me know if you need anything else.
XX/XX/XXXX @ XXXX XXXX XXXX Received and added to the file. Thank you!
XX/XX/XXXX @ XXXX My husband replied Thank you XX/XX/XXXX @ XXXX I emailed Hi XXXX, Hope all is well, I called and left you a voicemail. Since we are moving into the weekend, I wanted to check to see if there were any updates and if there is anything else needed from us.
Thanks a bunch!
( I had spoken to XXXX XXXX ( XXXX XXXX XXXX ) on the phone about the 1 % worst case and how XXXX was saying that we would have to come out of pocket over {$50000.00} to pay off credit card debt. He was confused on why they would consider the worst case if we have a letter stating that it is {$0.00} payment. He was also confused on why she would expect us to come out of our pocket over {$50000.00} instead of wrapping everything in the loan. He agreed that it would be better to pay it over the course of XXXX. ) XX/XX/XXXX @ XXXX XXXX XXXX Sorry I missed your call! We actually just heard back form the Underwriter a little bit ago.
Good news, upon the review of the {$0.00} payment for the student loan and XXXX 's merit increase, our DTI is back under 43 % with the original loan amount of {$640000.00}.
@ XXXX, XXXX A can you please share what w are down to for the file? now that we dont have to do the payoffs anymore.
XX/XX/XXXX @ XXXX I emailed That is great news, does this mean we have a closing date?
XX/XX/XXXX XXXX XXXX XXXX Not yet. I've asked your processor, XXXX, to review the remainder of the file to see what is still outstanding. Looks like the builder might owe us a few things.
XX/XX/XXXX @ XXXX I emailed Are you referring to the builder risk insurance policy? I did ask about that on XX/XX/XXXX. The builders insurance company said since he doesnt own the property that would be something that is covered by us. I never got an answer on that. Would it be possible to get the items needed to me that way I can get them this weekend? Everything else that was requested has been submitted, thats the only thing I can think of that was in question.
Thanks a bunch!
XX/XX/XXXX @ XXXX XXXX XXXX I've asked XXXX to review and advise at her earliest opportunity but I am not sure that update will be today. She is working some files in order.
Regarding the Builder 's Risk piece, you would have to obtain a Builder 's Risk policy and we need a copy of it. the effective date for the Builder 's risk would have to match our closing date. we dont have a definitive closing date yet but the estimated date of XX/XX/XXXX is entered into our system.
XX/XX/XXXX @ XXXX I emailed So we the home owners would have to request that from our insurance agency when we have a better idea for closing? Or should we do that now? Im hoping that we do not have to wait another 2 weeks to close, XXXX was told 2nd or 3rd week of XXXX. Please understand our frustrations at this point, this has been a roller coaster ride XX/XX/XXXX @ XXXX XXXX XXXX You can start the process of them drafting your Builder 's Risk. They could at least give you a quote until we have a firm closing date.
XX/XX/XXXX @ XXXX I emailed Sounds good thank you!
XX/XX/XXXX @ XXXX XXXX XXXX Good Evening!
Congratulations on your conditional loan approval!
I will be working with XXXX to assist in moving your loan application to closing.
This email will serve to breakdown information needed of yourselves to complete your credit package.
I have emailed your builder for items needed of them. I do want to point out two possible issues here. I am unable to document that XXXX XXXX is currently a licensed General Contractor in the state of RI ( their business location ) ; or, MA licensing portal ( property location ) ; and, it appears that they filed their organization documents in RI XX/XX/XXXX ( does not meet our XXXX history requirement ). I will update you once we hear back from them as to these issues.
I have also reached out to your settlement agent ( Law Offices of XXXX XXXX XXXX, PC ) with regards to the status of your title work.
I have noted the following discrepancies with regards to the cost to build : o Cost worksheet in file dated XX/XX/XXXX that reflects {$550000.00} ; but, has not been signed/dated by the borrowers o There are 2 invoices in this file both dated XX/XX/XXXX with the following figure totals ( {$550000.00} & {$620000.00} ) o Contract states a construction total of {$250000.00} Please provide an addendum/revised contract section 2 that represents the correct construction contract total ( must agree with the cost worksheet ) I have also sent these notes to the builder. Please work with them to resolve these issues ; and, firmly cement the cost to build for this project.
I will be able to provide a more definitive asset update once I have the above numbers finalized ; but, do want to address checks found in this file that appear to be gifts. Please see the below observations ; and, advise so that I can provide you with more specific instructions ( if needed ).
There are several checks found in the file that indicate potential gift funds ( XXXX XXXX noted ; and, owner is XXXX XXXX XXXX XXXX ) I am attaching a gift letter just in case o {$29000.00} to XXXX XXXX on XX/XX/XXXX need a gift letter ; and, invoice o {$750.00} to XXXX XXXX for electric on XX/XX/XXXX ( subcontractor not listed on the cost worksheet ) provide a copy of the invoice/evidence that this is the electrical contractor ( added to the cost worksheet ) o {$22000.00} to XXXX XXXX on XX/XX/XXXX ( nothing listed on the cost worksheet under this category ) unable to give credit for this as there is no itemization noted on the cost worksheet for concrete work Other requirements noted are as follows : Provide a written explanation of the following inquiries noted on your credit report including if any credit was established : XXXX XX/XX/XXXX. If credit was established, please provide a statement showing the current balance and payment. email reply is acceptable Please provide most recent mortgage statement " no older than 30 days from Closing '' verifying no late payments within 30 days of closing date ( XXXX ) showing due for the XX/XX/XXXX payment XXXX-provide a written statement from your landlord documenting your rent amount and the most recent 12-month payment history.
XXXXProvide a letter explaining the reason your income decreased from XXXX ( {$46000.00} ) to XXXX ( {$36000.00} ) for XXXX INNOCENT with XXXX XXXX. email reply acceptable XXXX -PROVIDE XXXX TAX RETURNS ( to gross up Social Security income ) Provide signature pages of all tax returns for both borrowers ( first 2 pages ) Please plan to address these items no later than Friday, XX/XX/XXXX. You may reply by email for some ; and, upload the others to the document portal.
Please let us know if you have any questions.
Appreciated!
( A call was place to XXXX for more info, we were now feeling like we were not being taken seriously, first they had al the builders information back in XXXX when requested and no one ever once said anything about needing to be licensed in the state of Massachusetts and for at least 2 years. We had at that moment found that out through XXXX after being dragged around this entire process. It is like they were finding any reason the to give us the loan. The closer we got to XX/XX/XXXX our original closing date, the more they pushed back and found everything under the sun to provent it from happening. In this email right here XXXX XXXX is making up the fact the my husbands father gifted us money. He is not even part of this loan. She assumed that because I had my mother co-signing that his father was helping too? It is like they were coming up with anything to prevent us from getting he loan. Or any information regarding the product. ) XX/XX/XXXX @ XXXX husband replies Thank you for the update. I have a couple clarifying questions about the gift letter, all the checks were written for labor and materials for the project they were not gifts.
XX/XX/XXXX @ XXXX I also replied Im think there is some confusion here, there is no father on this loan application. Those funds came out of XXXX and Is HELOC account, which is going to be paid off through the loan at closing.
XX/XX/XXXX XXXX XXXX XXXX Builder 's risk requirements : Borrower 's full name Borrower 's full property address Loan number Premium amount Must be paid prior to or at closing.
o If borrower paid, we need a paid receipt or invoice to collect at closing.
o If builder paid, we need proof the premium has been paid, the policy is in effect and the policy number. We do not have to know the premium amount.
o If we can't get the builder paid XXXX premium amount the borrower can provide a post construction HOI quote and that will be used for DTI purposes. Coverage will need to be based on the estimated cost new on appraisal.
Deductible Coverage dates effective one-year policy and dates must be on or before the expected closing date Coverage amount At least the loan amount/cost to build ( as of mm email dated XXXX ) Evidence of wind and hail coverage only applicable if subject property is in NC/SC/FL Must state somewhere on the certificate/declarations page that it is a builder 's risk policy or that the property is under construction. If it states " Under Construction '' it also needs to specify that they cover the contractor 's equipment and materials as well as the house while under construction.
TD Mortgagee Clause : TD Bank, NA XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX @ XXXX My mother emailed her paperwork and replied Please find attached my signed taxed for XXXX. Also attached is my rental ledger for the year confirming what I paid.
( We were on the phone back and forth with XXXX XXXX trying to correct the our builders license situation, we were able to find a licensed builder through him and submit his paperwork quickly to qualify for the loan. We were also advised by XXXX to not change anything in the previous contract and that everything needed to remain the same, so we didnt have to repeat the process. ) XX/XX/XXXX @ XXXX My mother emailed I have submitted my taxes information last week. I also explained the my pay decreased because I work XXXX per week, not XXXX, as I did before. I will resubmit my taxes again. Thank you, XX/XX/XXXX @ XXXX My husband replied I just uploaded the paper work you needed from XXXX XXXX XXXX XXXX let us know if you need anything else.
XX/XX/XXXX @ XXXX XXXX XXXX Thanks! I'll take a look ; and, let you know.
( At this point we have been on contact with XXXX by phone and she was explaining to us that at this time out rate lock would be expiring the following Tuesday and that we she would let XXXX XXXX know and that we should contact her that day to ensure to put in for a rate lock extension and that there would be a fee. I immediately told her that I would not be paying that fee because we were very prompt in getting our paperwork in and that most of the delays could have been prevented on their end. ) XX/XX/XXXX @ XXXX I emailed I hope you had a great long weekend, per our conversations with XXXX our rate lock is expiring today and we would need to do an extension, can you help us with that please?
Thanks so much!
XX/XX/XXXX @ XXXX XXXX XXXX Yes, I will be extending and will let you know once it is completed.
Thank you, XX/XX/XXXX @ XXXX XXXX XXXX XXXX rate lock has been extended.
XX/XX/XXXX @ XXXX My husband Good afternoon, I just wanted to check back in before the weekend to see if you '' ll got all the forms you needed and if there was an update on a closing date?
XX/XX/XXXX @ XXXX XXXX XXXX XXXX Thank you for your email. At this time, it looks like we are still waiting on the title work to come back and I dont think I saw the below from XXXX XXXX last email : Here is a list of items needed from your new GC : Copy of MA GC license Evidence GC has been in this line of business for 2+ years ( may reflect on the license ) Completed/Signed/Dated XXXX Certificate of Liability to include : o Description of Operations to reflect : XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX # XXXX o Certificate Holder to reflect : XXXX. Bank, XXXX, XXXX, XXXX XXXX XXXX, XXXX, OH XXXX Evidence of Workman 's Comp insurance ; or, evidence of exemption Have those been sent?
XX/XX/XXXX @ XXXX I emailed- Yes they have all been submitted last Thursday I believe. The title work should have been in I spoke to the attorneys almost 2 weeks ago and they said that the title work was never originally ordered back in XXXX and that it would only take a few days to come in and it has been well over a few days. Please let us know if youd like for us to reach out to them. Thanks a bunch!
( Title was never ordered as they said back in XXXX per the Closing Attorney, which is another delay by the bank. ) XX/XX/XXXX @ XXXX XXXX XXXX Looking back on my emails the last email I have from XXXX at the title company is from XX/XX/XXXX. She asked XXXX for owner of record information and we havent r
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| 09/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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TD Bank collected fees and appraisal money to refi my loan, provided me with a 90 day lock and then failed to close my loan by not making a good faith effort to do so. I provided every document they requested in less than 24 hours and responded to every request for information in less than 24 hours. In some cases I provided the same information up to 8 times to several different people ( all copied on the emails ).
They allowed the lock to expire on purpose. They made no effort to follow up internally or to escalate internally despite my repeated attempts to get them to escalate the loan.
I submitted a complaint to the CFPB XXXX on XXXX after my tentative close date ( XX/XX/XXXX ) passed and they failed to communicate anything to me regarding why they have not underwritten the loan. All of my complaint information was ignored and my complaint was closed. Below is their response in that complaint : " We have been in constant contact with the consumer and the attached letter was mailed to him. No follow up actions are anticipated other than as stated below. The letter explains as follows : We thank the consumer for taking the time to share his concerns with us regarding his recent conventional refinance loan application process and experience. We are writing in connection with the case that was sent to the Consumer Financial Protection Bureau on XX/XX/XXXX. After an additional complete review of the file in question, TD Bank has determined that the consumer 's application is still in process and additional items have been requested. '' " We have been in constant contact '' This is a lie as all calls are ignored and go to full voicemail boxes. The only way I was able to escalate was to call the 1800number and convince someone on the other end to give me the direct line of someone's manager 's, manager.
" No follow up actions are anticipated other than as stated below '' This was also a lie. Even though the bank already had all the information necessary to close my loan ( I have closed many loans with many banks to know ) they again requested more and more information. In one case they requested my employment history and I sent them my employment history NO LESS THAN 8 times. See attached documents.
" After an additional complete review of the file in question, TD Bank has determined that the consumer 's application is still in process and additional items have been requested. '' This is also a lie. My loan is no closer to being completed. My 90 day lock expires on XX/XX/XXXX and they will not return my fees.
Basically I paid ~ {$600.00} in fees, lost the difference of several months of additional mortgage payments with my current lender ( which when calculated amounts to {$10000.00} or more ) and lost countless hours over three months calling and emailing and pushing the people at TD Bank to do the thing I paid them to do.
They have not completed my loan in good faith. My lock expires on XX/XX/XXXX and they have not scheduled closing or notified the attorneys or notified a notary. This loan is all but dead.
In the entire 90 days, I can take responsibility for maybe 5 business days of that delay as I submitted all the documents needed to close on XXXX and within 24 hrs of all requests.
I applied and locked the loan on XXXX. I was given a 90 day lock at the mortgage officers behest. I prefer to have 45 day locks. I provided all documents on XXXX and I believe the appraisal fee and credit report fees were collected on XXXX. It took three weeks to schedule an appraisal ( much longer than average ). The appraiser submitted the appraisal to TD bank during the week of XX/XX/XXXX and TD accepted the appraisal on XX/XX/XXXX.
From XX/XX/XXXX to XX/XX/XXXX I requested the processers and underwriters to work on my loan and proactively requested they call or email me with any additional requests.
On XXXX I was requested information. I replied with all information on XXXX.
On XXXX I requested a close date. ( Calls ignored, voicemail with full voicemail inboxes. Email sent, ignored ) On XX/XX/XXXX I requested an update. I was ignored. ( Calls ignored, voicemail with full voicemail inboxes. Email sent, ignored ) EMAIL : from : XXXX XXXX XXXX to : '' XXXX, XXXX NMLS XXXX '' cc : '' XXXX, XXXX XXXX NMLS XXXX XXXX date : XX/XX/XXXX, XXXX XXXX Hello, can I get an update? What is the status of the loan closing? What are we waiting for? Are we on track to close on schedule?
Thanks -- XXXX On XX/XX/XXXX I requested an update. I was ignored. ( Calls ignored, voicemail with full voicemail inboxes. Email sent, ignored ) from : XXXX. XXXX XXXX to : '' XXXX, XXXX NMLS XXXX '' , " XXXX, XXXX XXXX NMLS XXXX '' date : XX/XX/XXXX, XXXX XXXX subject : Re : # XXXX XXXX : Refinance XX/XX/XXXX, XXXX XXXX to XXXX, XXXX Hello XXXX, XXXX My alleged closing is supposed to happen very soon. I have not heard a peep from anyone at TD What is going on? Should I be concerned that this is not going to happen?
Am I going to lose my money on my appraisal?
Please someone tell me what is going on?
Very concerned -- XXXX On XX/XX/XXXX I received a reply from the loan officer restating the request for information from XXXX. On XX/XX/XXXX I replied that I had already sent that information and that I had already sent my taxes twice.
On XX/XX/XXXX I sent all information again and included information on a new credit card. I opened up.
On XX/XX/XXXX XXXX the LO states in an email : Hi XXXX , It looks like we have all we need to finalize this application. Can you send the file back to the underwriter for the file review?
I appreciate your help.
Thank you, On XX/XX/XXXX XXXX ( 2 days until tentative close date ) I requested an update : from : XXXX. XXXX XXXX to : '' XXXX , XXXX NMLS XXXX '' cc : '' XXXX, XXXX XXXX NMLS XXXX '' date : XX/XX/XXXX, XXXX XXXX subject : Re : # XXXX XXXX : Refinance Still waiting for an update here . What is the hold up please?
Loan officer replies : from : XXXX, XXXX XXXX NMLS XXXX to : '' XXXX. XXXX XXXX '' `` XXXX , XXXX NMLS XXXX '' date : XX/XX/XXXX, XXXX XXXX subject : RE : # XXXX XXXX : Refinance Hi XXXX, Customer has all the documents . What are we waiting for?
Thank you, XX/XX/XXXX tentative closed date missed.
I call TD Bank 1800 number and escalate to as many managers as possible. Nobody takes responsibility or is able to get me the right people on the phone. Hardly anyone picks up the phone and no responses to email.
from : XXXX. XXXX XXXX to : '' XXXX, XXXX NMLS XXXX '' cc : '' XXXX, XXXX XXXX NMLS XXXX '' date : XX/XX/XXXX, XXXX XXXX subject : Re : # XXXX XXXX : Refinance I am left with no choice but to escalate to your managers on this.
I have no idea what is going on. We are like a month past appraisal and no action has been taken to close my loan despite numerous phone calls and emails.
-- XXXX On XX/XX/XXXX I file a CFPB complaint in the hopes of escalating my loan and getting it worked on. I call TD Bank and I am able to convince someone to give me information on Ms. XXXX 's manager so I can call and email them. I receive the email XXXX. This turns out to be a bad email address. Her actual email is XXXX from : XXXX. XXXX XXXX to : XXXX cc : '' XXXX, XXXX XXXX NMLS XXXX '' , " XXXX, XXXX NMLS XXXX '' date : XX/XX/XXXX, XXXX XXXX Hello XXXX, I haven't been able to close my loan in an appropriate amount of time. I haven't even been able to reach the processor ( XXXX ) and have had little contact with the loan officer ( XXXX ) on the matter unfortunately My tentative closing was XX/XX/XXXX. That has now come and gone without so much as a peep. For context I applied for the loan on XXXX and uploaded all my docs on XXXX. Appraisal was completed and submitted last week of XXXX. I have yet to hear anything about closing. I have little choice but to escalate through your management structure at this point. Simultaneously I have opened a CFPB complaint.
CFPB ID FOR COMPLAINT SENT TO TD BANK XXXX Hopefully someone over there can be troubled to actually close my loan in the next few days.
-- XXXX [ phone number redacted ] from : XXXX. XXXX XXXX to : XXXX cc : '' XXXX, XXXX XXXX NMLS XXXX '' , " XXXX, XXXX NMLS XXXX '' date : XX/XX/XXXX, XXXX XXXX subject : Re : # XXXX XXXX : Refinance XXXX/XXXX I tried calling you and your voicemail is also full. Apparently XXXX is not the correct email ( it was given to me by an associate at TD ).
It seems impossible to get through to anyone over there.
Please read the below and respond accordingly. Thank you -- XXXX [ phone number redacted ] from : XXXX, XXXX XXXX NMLS XXXX to : '' XXXX, XXXX XXXX NMLS XXXX '' , " XXXX. XXXX XXXX '' , " XXXX , XXXX NMLS XXXX '' , `` XXXX , XXXX XXXX NMLS XXXX '' , " XXXX, XXXX XXXX NMLS XXXX '' , `` XXXX, XXXX NMLS XXXX '' date : XX/XX/XXXX XXXX XXXX XXXX subject : RE : Still waiting for a closing date Hi XXXX , I am reviewing the file and we need updated docs on this loan. The paystubs and bank statements are expired. I am going to have the underwriter review the file thoroughly. XXXX, can you please review this file thoroughly in the morning and advise on what we need to get this file completed. Please.
from : XXXX, XXXX XXXX NMLS XXXX to : '' XXXX. XXXX XXXX '' , " XXXX, XXXX XXXX XXXX XXXX '' , " XXXX, XXXX NMLS XXXX '' , `` XXXX , XXXX XXXX NMLS XXXX '' , " XXXX, XXXX XXXX NMLS XXXX '' date : XX/XX/XXXX, XXXX XXXX subject : RE : Still waiting for a closing date Hi Mr. XXXX. It was pleasure to speak to you. As stated in the conversation, I will be in contact with you tomorrow.
Thanks.
from : XXXX, XXXX XXXX NMLS XXXX to : '' XXXX. XXXX XXXX '' cc : '' XXXX, XXXX XXXX NMLS XXXX '' date : XX/XX/XXXX, XXXX XXXX subject : items needed Hi XXXX, The underwriter has reviewed the file. There are a few things needed to close : 1 ) Proceeds to payoff and close : XXXX XXXX XXXX # XXXX still need 2 ) XXXX to provide copy of most recent paystubs with XXXX XXXX - paystubs in file expired 4 ) Current HOI declaration page, must include wind/hurricane coverage provided must be approved by HOI review team 5 ) Provide the following assets statements : a ) XXXX # XXXX XXXX statement b ) XXXX by XXXX XXXX # XXXX XXXX statement and b ) complete XXXX and XXXX statement for XXXX XXXX ( can not use print outs provided ) statements in file have expired 6 ) LOX for the following inquiries : XXXX XXXX/XXXX XXXX XX/XX/XXXX, CRB/upgrade XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX, XXXX XXXX/XXXX XXXX XX/XX/XXXX, and TD Bank/XXXX XXXX XXXX. Must address if any new debt resulted, if new debt must provide copy of current statement.
Please provide the above information.
I appreciate your help.
Thank you, Hi Mr. XXXX, I wanted to reach out to you before it got too late. I had the underwriter review your file. The below is needed to complete the review.
from : XXXX, XXXX XXXX NMLS XXXX to : '' XXXX. XXXX XXXX '' date : XX/XX/XXXX, XXXX XXXX subject : RE : Still waiting for a closing date Proceeds to payoff and close : XXXX XXXX XXXX # XXXX still need XXXX to provide copy of most recent paystubs with XXXX XXXX - paystubs in file expired Provide the following assets statements : a ) XXXX # XXXX XXXX statement b ) XXXX by XXXX XXXX # XXXX XXXX statement and b ) complete XXXX and XXXX statement for XXXX XXXX ( can not use print outs provided ) statements in file have expired LOX for the following inquiries : XXXX XXXX/XXXX XXXX XX/XX/XXXX, CRB/upgrade XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX, XXXX XXXX/XXXX XXXX XX/XX/XXXX, and TD Bank/XXXX XXXX XXXX. Must address if any new debt resulted, if new debt must provide copy of current statement.
On XX/XX/XXXX, I sent all documents and requests AGAIN. Some for the second and third time.
from : XXXX. XXXX XXXX to : '' XXXX, XXXX XXXX NMLS XXXX '' , `` XXXX, XXXX XXXX NMLS XXXX '' date : XX/XX/XXXX, XXXX XXXX subject : Re : Still waiting for a closing date Let me know who else I should copy at this point. See attached for statements.
[ 12 attachments ] from : XXXX. XXXX XXXX to : '' XXXX, XXXX XXXX NMLS XXXX '' , `` XXXX, XXXX XXXX NMLS XXXX '' date : XX/XX/XXXX, XXXX XXXX See attached for Letter of Explanation of Credit inquiries.
-- XXXX from : XXXX. XXXX XXXX to : '' XXXX, XXXX XXXX NMLS XXXX '' cc : '' XXXX, XXXX XXXX NMLS XXXX '' date : XX/XX/XXXX, XXXX XXXX Attached are the opening statements for the new refi 'd mortgage and the equipment loan with lightstream.
from : XXXX. XXXX XXXX to : '' XXXX, XXXX XXXX NMLS XXXX '' cc : '' XXXX, XXXX XXXX NMLS XXXX '' date : XX/XX/XXXX, XXXX XXXX subject : Re : Still waiting for a closing date Checking in. Where are we at on this?
-- XXXX from : XXXX, XXXX XXXX NMLS XXXX to : '' XXXX. XXXX XXXX '' cc : '' XXXX, XXXX XXXX NMLS XXXX '' date : XX/XX/XXXX, XXXX XXXX Hi Mr. XXXX. I resubmitted your file back to underwriting late Friday. I will have an update for you tomorrow. Thank you.
from : XXXX, XXXX XXXX NMLS XXXX to : '' XXXX. XXXX XXXX '' cc : '' XXXX, XXXX XXXX XXXX XXXX '' date : XX/XX/XXXX, XXXX XXXX subject : RE : Still waiting for a closing date 1 ) Proceeds to payoff and close : XXXX XXXX XXXX # XXXX 2 ) Provide the following information in response to credit inquiry letter : a ) XXXX XXXX/XXXX XXXX XX/XX/XXXX = land purchase, provide terms, b ) CRB/upgrade XX/XX/XXXX = new line, provide current statement, and c ) XXXX XXXX XX/XX/XXXX = refi XXXX XXXX XXXX, provide terms of new loan ( paid off XXXX/XXXX XXXX 3 ) Source large $ XXXX deposit made into XXXX # XXXX on XX/XX/XXXX -- - To be clear , at this point for number 1 ) they have all the information they need 5-6 times already. For number 2, I provided them will a signed letter on XXXX ( see above emails ) yet they continue to ask me for the same information.
from : XXXX. XXXX XXXX to : '' XXXX, XXXX XXXX XXXX XXXX '' cc : '' XXXX, XXXX XXXX NMLS XXXX '' date : XX/XX/XXXX, XXXX XXXX subject : Re : Still waiting for a closing date 1 ) Proceeds to payoff and close : XXXX XXXX XXXX # XXXX Please call me XXXX. Not sure what you are asking 2 ) Provide the following information in response to credit inquiry letter : a ) XXXX XXXX XXXX XX/XX/XXXX = land purchase, provide terms, terms are not set yet.
b ) CRB/upgrade XX/XX/XXXX = new line, provide current statement, There is no statement. It is un-utilized. Here is a screenshot.
c ) XXXX XXXX/XXXX XX/XX/XXXX = refi XXXX XXXX XXXX, provide terms of new loan ( paid off XXXX XXXX I have already attached the new statement. Attached again.
3 ) Source large $ XXXX deposit made into XXXX # XXXX on XXXXI sold my XXXX and paid off the car loan with the funds. On XX/XX/XXXX there was a payoff for {$32000.00}. See attached lien release ( dated XXXX ) from : XXXX. XXXX XXXX to : '' XXXX, XXXX XXXX NMLS XXXX '' cc : '' XXXX, XXXX XXXX NMLS XXXX '' date : XX/XX/XXXX, XXXX XXXX subject : Re : Still waiting for a closing date Update please?
+11 days past tentative close +45 days past appraisal submitted still no close date in sight.
thanks -- XXXX from : XXXX. XXXX XXXX to : '' XXXX, XXXX XXXX NMLS XXXX '' cc : '' XXXX, XXXX XXXX NMLS XXXX '' date : XX/XX/XXXX, XXXX XXXX subject : Re : Still waiting for a closing date Update please?
+15 days past tentative close +49 days past appraisal submitted still no close date in sight.
thanks -- XXXX XXXX to : '' XXXX, XXXX XXXX NMLS XXXX '' date : XX/XX/XXXX, XXXX XXXX subject : Re : Still waiting for a closing date +16 days past tentative close +50 days past appraisal submitted +76 days since application ... ..no close scheduled ... ..
Sometime around XXXX I receive a call from XXXX @ TD ensuring me that everything is received and she was waiting on a " clear to close '' and that we should be able to close by XX/XX/XXXX. At this point, I was skeptical to say the least.
On XX/XX/XXXX I receive this email from a new character at TD.
Good morning XXXX, from : XXXX, XXXX XXXX NMLS XXXX to : '' XXXX '' date : XX/XX/XXXX, XXXX XXXX subject : XXXX XXXX I just tried to call you and left you a voice mail. I will need the below items today prior to noon if possible as we are trying to get your loan cleared to close.
We will need a payoff from XXXX XXXX for your mortgage. Please request a current payoff good for 30 days.
I have reached your homeowners insurance co. with our loan amount you may not have enough coverage, they stated your coverage was only for {$250000.00} but she is going to send me the declarations page now but you would have to call to have it increased if the underwriting dept. will not accept it.
You will need to send the credit accepted for XXXX XXXX XXXX on XX/XX/XXXX, we will need the terms of the loan from the lender. Also on CRB/upgrade from XX/XX/XXXX you will need to provide a current statement on that new line.
You will also need to provide the source of the {$38000.00} deposit into XXXX XXXX XXXX on XX/XX/XXXX. We will need the following ( full account statement if it was a transfer from another account that is yours ) showing the money was withdrawn, if it is another source we will need proof of that source.
Thank you <> I immediately call her back but get no response and a full voicemail. So I send an email. Two of their points have been addressed several times already. I send additional screenshots and re-address the old items at XXXX email. For the insurance item, I send email at XXXX from : XXXX. XXXX XXXX to : '' XXXX, XXXX XXXX NMLS XXXX '' , `` XXXX, XXXX XXXX NMLS XXXX '' , " XXXX, XXXX XXXX NMLS XXXX '' date : XX/XX/XXXX, XXXX XXXX subject : Re : XXXX XXXX Regarding the hazard insurance, I have called and authorized them to increase insurance coverage to $ XXXX. They will be sending you info shortly.
-- XXXX from : XXXX, XXXX XXXX NMLS XXXX to : '' XXXX. XXXX XXXX '' , " XXXX, XXXX XXXX NMLS XXXX '' , " XXXX, XXXX XXXX NMLS XXXX '' date : XX/XX/XXXX, XXXX XXXX subject : RE : XXXX XXXX Good morning again Mr. XXXX, The attorney usually obtains this but this was not sent to your file. You can call and have them obtain it for you. Also for the credit accepted you will need to call and ask them for the terms in writing I can not get this for you.
Thank you from : XXXX. XXXX XXXX to : '' XXXX, XXXX XXXX NMLS XXXX '' cc : '' XXXX, XXXX XXXX NMLS XXXX '' , " XXXX, XXXX XXXX NMLS XXXX '' date : XX/XX/XXXX, XXXX XXXX I asked XXXX XXXX to fax you the Payoff statement for closing of XX/XX/XXXX. Sent to this fax [ XXXX ] [ XXXX ] Please confirm you got this XXXX. Thanks!
-- XXXX from : XXXX, XXXX XXXX NMLS XXXX to : '' XXXX. XXXX XXXX '' cc : '' XXXX, XXXX XXXX NMLS XXXX '' , " XXXX, XXXX XXXX NMLS XXXX '' date : XX/XX/XXXX, XXXX XXXX subject : RE : XXXX XXXX XXXX, They will need to email it directly to you or me as we are working from and do not have access to our fax machine.
from : XXXX. XXXX XXXX to : '' XXXX, XXXX XXXX NMLS XXXX XXXX cc : '' XXXX, XXXX XXXX NMLS XXXX '' , " XXXX, XXXX XXXX NMLS XXXX '' date : XX/XX/XXXX, XXXX XXXX subject : Re : XXXX XXXX What about the other 4 items? Have you made progress on them? I answered all your questions before XXXX.
-- XXXX from : XXXX, XXXX XXXX NMLS XXXX to : '' XXXX. XXXX XXXX '' cc : '' XXXX, XXXX XXXX NMLS XXXX '' , " XXXX, XXXX XXXX NMLS XXXX '' date : XX/XX/XXXX, XXXX XXXX subject : RE : XXXX XXXX Good evening XXXX, Some of the conditions the underwriter was able to sign off on and some she was not. Also our QA team reviews loans as well and that team added more conditions. We have to go by XXXX XXXX and XXXX XXXX guidelines so in order to close the loan we must have all conditions.
Please see below for the ones that were added by review and the ones that are still outstanding after I had sent the underwriter what you sent to me today. Also let me add I did get the updated homeowners insurance but it is in review currently with that underwriting team.
Proceeds to pay off and close : XXXX XXXX XXXX # XXXX We will still need you or your attorney to obtain the payoff for the mortgage as I had emailed you I do not currently have a fax machine.
Currently both your title and insurance are being reviewed.
Added conditions below by our QA team Will need XXXX W2 for XXXX XXXX per employment history in file borrower was with XXXX in XX/XX/XXXX, therefore must provide a W2 or updated dates of employment.
Complete 2 year employment history with month day and year of employment, borrower must address any gaps, this can be send by email.
from : XXXX. XXXX XXXX to : '' XXXX, XXXX XXXX NMLS XXXX '' cc : '' XXXX, XXXX XXXX NMLS XXXX '' , " XXXX, XXXX XXXX NMLS XXXX '' date : XX/XX/XXXX, XXXX XXXX subject : Re : XXXX XXXX Payoff statement attached. all your items have been addressed today. All documents sent as requested ( again ) +17 days past tentative close +51 days past appraisal submitted +77 days since application -- XXXX from : XXXX. XXXX XXXX to : '' XXXX, XXXX XXXX NMLS XXXX '' cc : '' XXXX, XXXX XXXX NMLS XXXX '' , " XXXX, XXXX XXXX NMLS XXXX '' date : XX/XX/XXXX, XXXX XXXX subject : Re : XXXX XXXX 1 ) Already sent.
2 ) How long will this take?
3 ) I do not have a XXXX W2 for XXXX XXXX. My first paycheck with XXXX XXXX proper was in XX/XX/XXXX.
4 ) XXXX XXXX ( directly ) XXXX XXXX XXXX XX/XX/XXXX to current XXXX and XXXX for XXXX XXXX and XXXX XXXX XXXX XXXX ( via XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX for XXXX XXXX and XXXX XXXX Unemployed XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ), Supp. Leverage & Non-material XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from : XXXX, XXXX XXXX NMLS XXXX to : '' XXXX. XXXX XXXX '' cc : '' XXXX, XXXX XXXX NMLS XXXX '' , " XXXX, XXXX XXXX NMLS XXXX '' date : XX/XX/XXXX, XXXX XXXX subject : RE : XXXX XXXX Good morning XXXX, I just sent your file back to underwriting. I will let you know as soon as I hear back.
from : XXXX. XXXX XXXX to : '' XXXX, XXXX XXXX NMLS XXXX '' cc : '' XXXX, XXXX XXXX NMLS XXXX '' , " XXXX, XXXX XXXX NMLS XXXX '' date : XX/XX/XXXX, XXXX XXXX subject : Re : XXXX XXXX Good morning XXXX Please get a firm timeline from underwriting as " when I hear back '' is not an acceptable waiting period.
+18 days past tentative close +51 days past appraisal submitted +77 days since application Closing should happen next week and they need to be working within that timeline.
-- XXXX from : XXXX, XXXX XXXX NMLS XXXX to : '' XXXX. XXXX XXXX '' date : XX/XX/XXXX, XXXX XXXX subject : XXXX XXXX Good afternoon XXXX, Please see below from our QA team.
Our QA is asking for exact dates of employment for XXXX, XXXX XXXX, and XXXX XXXX. And they want borrower to address the gap.
Thank you from : XXXX. XXXX XXXX to : '' XXXX, XXXX XXXX NMLS XXXX '' , `` XXXX, XXXX XXXX NMLS XXXX '' , " XXXX, XXXX XXXX NMLS XXXX '' date : XX/XX/XXXX, XXXX XXXX subject : Re : XXXX XXXX There is nothing included in your email that I can refer to. What am I supposed to address? The unemployment gap is less than 6 months which is what the conventional guidelines need an explanation for.
XXXX XXXX ( directly ) XX/XX/XXXX to current ( my first day with XXXX XXXX directly employed was XX/XX/XXXX but the first paycheck landed on XX/XX/XXXX. ) XXXX XXXX ( via XXXX XXXX ) XX/XX/XXXX to XX/XX/XXXX Unemployed XXXX to XX/XX/XXXX I was unemployed. I voluntarily resigned my role to take time to care for my XXXX girlfriend who had a high risk XXXX. I started looking for a job at the end of XXXX, and was asked to start mid XXXX. Child was born XX/XX/XXXX. Not sure what else I can say about the matter.
XXXX XXXX XX/XX/XXXX to XX/XX/XXXX from : XXXX. XXXX XXXX date : XX/XX/XXXX, XXXX XXXX Hello XXXX Following up again, where are we at??
+19 days past tentative close +52 days past appraisal submitted +78 days since application Where are we on underwriting? Have your attorneys been notified of closing? Have they scheduled closing? Have you notified the notary????
from : XXXX, XXXX XXXX date : XX/XX/XXXX, XXXX XXXX Hello XXXX, I had send you an email yesterday afternoon.
The QA team did not except your employment letter they need exact days for each job and will need you to explain the gap in employment.
Thank you from : XXXX. XXXX XXXX date : XX/XX/XXXX, XXXX XXXX I sent you a list with exact dates. What is the problem???
from : XXXX, XXXX XXXX date : XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX Good evening XXXX, They will not sign off until you put the month and day and year also if there are any gaps they need and explanation.
Thank you from : XXXX. XXXX XXXX date : XX/XX/XXXX, XXXX XXXX I have already sent this information twice with EXACT DATES INCLUDING MONTH/DAY/YEAR.
Please READ YOUR EMAILS!!!!!!!
from : XXXX, XXXX XXXX Hello XXXX, What you sent in an email, I did send up for review and it was not accepted by our QA department. See below for what was sent to me. The below must be on the letter from you in order for this condition to be cleared.
Thank you XXXX QA is asking for exact dates of employment for XXXX, XXXX XXXX, and XXXX XXXX. And they want borrower to address the gap.
from : XXXX. XXXX XXXX date : XX/XX/XXXX, XXXX XXXX Well then tell them to read my emails. What the XXXX do you want me to do? I have sent you EXACTLY WHAT YOU HAVE ASKED FOR!!!!!!!!!!!!!!!!!!!!!
JUST LOOK!!! Exact dates? Do you hour and minute too?!? I did explain the gap?!?!
Stop stalling and close my XXXX loan!!!!!
from : XXXX, XXXX XXXX date : XX/XX/XXXX, XXXX XXXX Good afternoon XXXX, I am sorry I am not the QA underwriter and I can not get a cleared to close until this is completed.
from : XXXX. XXXX XXXX to : '' XXXX, XXXX XXXX '' subject : Re : XXXX XXXX Are you asking me to produce a signed letter with the same information I have sent you?
because up until now you have failed to mention " letter '' from : XXXX, XXXX XXXX date : XX/XX/XXXX, XXXX XXXX Good morning XXXX, I have attached the letter you sent me. This letter was not accepted to clear your loan file.Please send the following below that states what is needed [ She attaches from XX/XX/XXXX, XXXX XXXX and not my later responses ] from : XXXX. XXXX XXXX to : '' XXXX, XXXX XXXX '' cc : '' XXXX, XXXX XXXX '' , " XXXX, XXXX XXXX '' date : XX/XX/XXXX , XXXX XXXX subject : Re : XXXX XXXX See attached letter. See attached letter. See attached letter. See attached letter. See attached letter.
1 ) This attached information was provided on XX/XX/XXXX XXXX XXXX 2 ) Again forwarded as part of email chain on XX/XX/XXXX XXXX XXXX 3 ) Again forwarded as part of email chain on XX/XX/XXXX XXXX XXXX 4 ) Again forwarded as part of email chain on XX/XX/XXXX XXXX XXXX 5 ) Again forwarded as part of email chain on XX/XX/XXXX XXXX XXXX 6 ) Again forwarded as part of email chain on XX/XX/XXXX XXXX XXXX Furthermore it was collected during application and I believe twice more after that ( before XX/XX/XXXX ) +22 days past tentative close +55 days past appraisal submitted +81 days since application -7 days until 90 day lock expires
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- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/1972 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, GE XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
US DEPARTMENT OF EDU XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
TD BANK USA/TARGET XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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| 03/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection XXXX b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid
tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which
may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
TD BANK USA/TARGET CREDIT XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX MI XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX XXXX XXXX XXXXXXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
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| 06/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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I opened an account with TD XXXX Card Services via XXXX XXXX on XX/XX/XXXX to finance a phone. I never received any information on this account. I still have no documentation or the physical card, despite telling multiple customer service representatives this. I moved at the end of XXXX, but I also had mail forwarding and the mail notification system on, so even if it was sent late, it wasnt sent. On XX/XX/XXXX, I got a notification that my credit had a late payment reported. I went and looked because that was very strange, as I am pretty neurotic about paying bills. I saw it belonged to TD XXXX Card Services. I called the customer service line, as I had no way to access the account to pay - I didnt even have the account number. ( I still have not received any information, paperwork, or cards for this account, beyond my account number. ) I saw late fees had accumulated as well. I went ahead and updated my address verbally with the customer service agent at this time to make sure I got all future correspondence. The representative asked if I would like to make a payment, I let her know I would make a payment when I got paid on XX/XX/XXXX. On XX/XX/XXXX, I made a payment of {$230.00} toward the XXXX statement. On XX/XX/XXXX, I had {$980.00} in my account, which is more than enough to cover the payment. I also never got a notification to my phone from my bank that it was declined, which I receive with every declined purchase. When I looked into the declined charges with my bank, they had no record of the declined payment. I was never notified of this, and I was charged a returned check fee, despite it being a direct pull, not a check. At the end of XXXX, I noticed the declined payment. I thought it was weird for the reasons previously mentioned, but it wasnt worth the hassle, so I waited until I got paid, as XXXX was tighter financially, so I could pay it in full again. On XX/XX/XXXX, I paid {$280.00}. On XX/XX/XXXX, I had {$870.00} in my bank. I went to pay my monthly payment in XXXX, and I saw it had also been declined, according to the invoice provided by TD XXXX Card XXXX, and all of these had been reported to my credit agency. Unfortunately, I never was contacted again. The TD XXXX Card Services phone system that customers can make payments through still says it went through. I contacted TD XXXX Card Services on XX/XX/XXXX to discuss this, as it was weird that it had happened twice. Finally, on XX/XX/XXXX, a man by the name of XXXX XXXX of XXXX, Florida, who called from XXXX and claimed to be a representative of TD XXXX Card Services. I was very sick that week, so I returned his call on XX/XX/XXXX. During our call, XXXX said he had mailed me a letter since he hadnt heard back - had I seen it? I said I hadnt yet received it. Looking back at my invoice, it is my old address that is on all my invoices, including after speaking to XXXX XXXX and giving my current address. I let XXXX XXXX know my address had been previously updated when I spoke to the last customer service representative, and he said it didnt matter because I had enrolled in virtual billing by the time I spoke with him. However, this still meant that if invoices were sent, they were sent to the wrong address. I let XXXX XXXX know that I work some nights and work a lot, so I hadnt yet been able to call him back until then. To my recollection, he did not notify me that the recording regarding the debt was being recorded, nor that it was an attempt to collect debt. XXXX XXXX said he looked into my claim that the returned check fees were correct and had concluded that it wasnt an error on TD XXXX Card Services. He wouldnt expand any further or provide documentation. XXXX XXXX said he couldnt help me further. I verified verbally that it wasnt my bank ; he told me that it must be. He said he saw I had been called. I told him I hadnt, but asked for the phone number to verify. XXXX XXXX gave me the phone number and it had been the caller who had been calling me three times a day since XX/XX/XXXX and just stayed silent every time I answered and didnt leave a voicemail. After that phone call, I did more digging and talked to my bank and looked at statements. My bank has no history or documentation of declined payments. The XX/XX/XXXX statement reflects my payment made on XX/XX/XXXX. The XX/XX/XXXX statement was sent to me on XX/XX/XXXX at XXXX PM. There is no mention of the payment bouncing, and the statement 's new balance reflects the payment. This statement is for the billing period of XX/XX/XXXX to XX/XX/XXXX. The next statement, sent to me on XX/XX/XXXX at XXXX pm, shows a returned check fee. I was never notified of this, other than this XX/XX/XXXX statement, which was for the billing period of XX/XX/XXXX to XX/XX/XXXX. At the time of the statement, the payment was already considered late, as the payment was due XX/XX/XXXX. XXXX XXXX claimed that this counted as notification of the bounced payment, despite it being too late to fix anything at that point. I asked him what I could do to dispute further or who I could talk to that was higher than him. XXXX XXXX said I had done all I could and that there was no one higher than him. Despite XXXX XXXX claiming he spoke with my bank, XXXX XXXX, and confirmed the declined transactions, XXXX XXXX has confirmed no one can see declined transactions past 24 days prior. This means XXXX XXXX could not have discussed confirmed the declined transactions with my bank, XXXX XXXX, like he claimed to me and in my file, as it was not possible. To review, my first claim was acknowledged as received and being worked on on XX/XX/XXXX at XXXX XXXX. 24 days prior to this date was XX/XX/XXXX. XXXX XXXX did not contact me until XX/XX/XXXX at XXXX XXXX. So even if XXXX XXXX contacted my bank that day, XX/XX/XXXX, he couldnt have discussed either the bounced amount from XX/XX/XXXX or XX/XX/XXXX. I also confirmed with XXXX XXXX that they keep documentation of contact from credit card companies regarding clients, and they have none from TD Bank, TD XXXX Card Services, or XXXX XXXX himself. XXXX XXXX also verified they would need my permission to discuss my account with any outside party, which includes, but XXXX XXXX to, XXXX XXXX and TD XXXX Card Services. I would like to note that XXXX XXXX verified to me verbally that he did, in fact, discuss this with my bank. This was confirmed to be in my TD XXXX Card Services account by a separate customer service representative. TD XXXX Card Services has also violated the Fair Debt Collection Practices Act by harassing me via phone call. They have called me XXXX times a day almost every day since XX/XX/XXXX from the number XXXX. XXXX XXXX, a TD XXXX Card Services representative, confirmed this was TD XXXX Card Services calling. However, every time I answered, no one would speak, and when I missed the calls, they wouldnt leave a voicemail. I work some night shifts, which I did share with XXXX XXXX, and this has disrupted my sleep. This has also disrupted my work day. As of today, XX/XX/XXXX, I have been called by this number XXXX times since XX/XX/XXXX. The calls started as usually two calls per day, sometimes one, then grew to be consistently three times a day. I have received no voicemails from this number. TD XXXX Card Services has also sent invoices, per them, to the wrong address at least once, as my address was never updated on my invoices. Every invoice to date has the incorrect address on it. I have also made written requests for validation of all these charges, and they are continuing to contact me, while also not providing me with validation other than XXXX XXXX word. XXXX XXXX refused to provide documentation and just kept telling me he looked into it. On XX/XX/XXXX, I gracefully offered arbitration instead of going directly to suing, as I had already consulted with an attorney and they recommended starting with an attempt at arbitration, then pursuing further legal action if it was declined. At this point, I am willing to make a deal, which will be required to be in writing and my legal team will review before I sign it. I will pay what I owe, which is {$740.00}, in full by XX/XX/XXXX. I will also pay an additional {$100.00} out of good faith, for a total of {$840.00}. You will remove the late payments from my credit. I will forfeit ability to open an account with you again. How this will benefit you is I will not post on social media about this period I can sign a NDA if you would like. I also will not pursue legal action. You all will receive the {$740.00} I truly owe and the {$100.00} and will not have to deal with me again, nor will have to deal with a lawsuit ( possible class action ) or the reaction on social media. I will not make any more reports to any agency, including but not limited to the FTC or consumer financial protection bureau. This will benefit me as the false report to my credit will go away, I will not have to take the time off from work to pursue legal action, including but not limited to your clerical errors or violations of the Fair Debt Collection Practices Act, and the harassment will stop. However, my attempts at arbitration were avoided by TD XXXX Card Services employee, XXXX XXXX, who refused to discuss this with me and chose to call me at a time he knew I would be unavailable on XX/XX/XXXX at XXXX XXXX, then closed the case on XX/XX/XXXX, per the customer service representative I spoke to on XX/XX/XXXX, and wouldnt answer his phone. His voicemail was full as well. He waited eight days prior to closing with only one attempt at connection ( without telling me via voicemail he would do so ), knowing I wasnt available to return his call, as it was explicitly stated that it was not my best mode of communication due to my work hours, but I would call him back. I did see on my statement I could call TD XXXX Card Services to figure out a mutually beneficial agreement because this has been very stressful. XXXX XXXX would not answer his phone and his voicemail is full. I tried calling another representative, XXXX, but it was just a bunch of transferring that led no whe prior to speaking with me on XX/XX/XXXX, even though I notified XXXX XXXX that I would call him back when I could and a better way to contact me was via email due to my work schedule ( emergency medicine ) not permitting me time to do so until today, XX/XX/XXXX. XXXX had called on XX/XX/XXXX. XXXX also was called by another customer service agent I spoke to on XX/XX/XXXX named XXXX, and she was unable to reach him as well. XXXX directed me to the TD XXXX Card Services line and assured me someone there would be able to help me. I was forwarded to another Customer Care Line, where the representative continued to say XXXX looked into it and he couldnt help me further, per my record. He also said that the only way to get late payments off credit reports is to dispute the late payment at each credit bureau, and that TD XXXX Card Services is unable to remove any late payment charges. Not unwilling - unable. This was something that XXXX XXXX had also said during our first conversation. Per the law, this is untrue and was deceptive in nature. This conversation was recorded by TD Bank, as well as myself. Additionally, despite myself telling TD XXXX Card Services that I had spoken to legal aid, they made no attempt to get any information for the legal aid and continued to communicate with me. Until the XX/XX/XXXX statement, my credit limit had been {$2200.00}. In the XX/XX/XXXX statement, it appears TD XXXX Card Services lowered my credit limit to {$620.00}, which is lower than the initial financing amount, even without the incorrect late charges and returned check fees. Unfortunately, it appears I did have the money in my account, and per the XXXX, I see I am not the only one with this issue. Regardless, I did offer arbitration prior to suing and reporting. I thought it was fair for both sides, and saves us both a lot of time and money. However, all attempts to communicate and arbitrate have been avoided by XXXX XXXX, a representative of TD XXXX Card Services.
-- -- -- Update from XX/XX/XXXX I now have received a letter from XXXX XXXX, a " Customer Experience Advocate '' who, like XXXX, resides in Florida, via the mail. I have attached it. However, what XXXX did was avoid my phone calls and didn't actually make true attempts to contact me. She also did not address what is in this complaint, and made false statements. I actually returned her call. On XX/XX/XXXX, XXXX called me from a blocked number, so all I saw was " Private Number ''. I received this phone call at XXXX XXXX that day. I will attach proof of this as well via phone logs and the voicemail recordings. I was never notified that I would be called from a private number and I was also working at that time, and realistically, not many people would answer a call from a private number. I have been very transparent with my work schedule. I returned XXXX 's call at the number she provided ( XXXX ) on XX/XX/XXXX. I called twice, once at XXXX XXXX and again at XXXX pm, as XXXX told me she works Monday through Friday, between XXXX XXXX to XXXX XXXX. I let XXXX know that I was off for the rest of the day, but would be working tomorrow. The voicemail lasted for one minute and detailed my work schedule, including that I work during her working hours, but would try my hardest to return her call as soon as I could. I let her know that I worked the next day, but would try to return a call that day if she called. I noted that if I didn't return her call that day, I would try her again as soon as my work schedule allows, as she is not there on weekends. I let her know she is welcome to email me as well. XXXX called me back on Friday, XX/XX/XXXX at XXXX XXXX. She asked me to call back, acknowledged receipt of my voicemail and therefore all the information about my work schedule, and told me her schedule one again as Monday through Friday, XXXX XXXX to XXXX XXXX. However, the letter I received today, also attached, was marked XX/XX/XXXX. It is suffice to say that no real attempt was made to contact me, as XXXX was fully informed of and acknowledged my schedule and my cooperation.
Additionally, to continue what XXXX wrote in the letter - which was unhelpful and did not address the majority of what was written above, TD Bank does have documentation of my address change, as I have notified every representative of TD Bank I have spoken to since XX/XX/XXXX ( see screenshot of call log ), which, if TD Bank 's representatives ' claim is true that they were sending out statements to the wrong address. My address changed on XX/XX/XXXX ( see 60 day notice sent to leasing office that is attached ). I started my mail forwarding on XX/XX/XXXX, but continued to check my mailbox ( see document ). I also subscribe to the service USPS provides called XXXX XXXX, where you see all mail they deliver to you. Additionally, per TD Bank 's website, I should have received my card within 7-10 business days, so I should have received the card in XX/XX/XXXX. ( See screenshot of their FAQ, marked with today 's date and time. ) I also reported that I did not receive any documentation or my card to every representative of TD Bank I spoke to. I was never sent any documentation or a new card, despite TD Bank 's own FAQ saying my card should have been canceled and I should have been sent another card.
XXXX also said many times how they couldn't find any documentation that I didn't receive information, my card and documents regarding the card, statements, etc. However, they have not provided any documentation that I did receive them. There are plenty of measures to document this, such as certified mail or read receipts. Who knows if they sent it, or if they did, who has all my account information.
XXXX also claims that I didn't provide my full account history, my name, or account number in the screenshots I sent showing I had money in my account. Seeing as my full account history isn't relevant to those two months and an invasion of privacy by a company that has shown repeated incidences of why they can't be trusted, I will not be providing that. I will, however, provide the month 's history up until a few days after the payment was made, as it will show that had you put a hold on the funds or processed them, you would have received the money. I have also attached TD Bank 's own terms and conditions, which states how long a payment should really take. Each statement I have attached shows an additional two business days, my account information, my address, and my starting and ending balances for the month, as requested. I guess XXXX doesn't realize that I am not required to hand over personal information here - she is supposed to request the CFPB to retrieve it. Per the form I filled out for this, " If you don't want the company ( s ) to see any personal information on an attachment, please remove or hide it before uploading. '' and " Describe what happened, and well send your comments to the companies involved.
Include dates, amounts, and actions that were taken by you or the company.
Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account. '' I have asked for proof, yet you all have neglected to provide that. When addressed with XXXX, XXXX lied and said he had spoken personally to my bank. Evidence of this not happening is in the screenshot of the discussion with XXXX XXXX, unless XXXX is admitting he and an XXXX XXXX employee broke privacy law and they disclosed information to each other. This and XXXX 's other forms of dishonest practice were not addressed by XXXX in her letter.
XXXX also has neglected to address the fact that TD Bank violated the Fair Debt Collection Practices Act, other than saying she updated my account to a " cease and desist '', which doesn't address prior violations.
Additionally, I had spoken to a representative of TD Bank on XX/XX/XXXX and said I needed an extension to pay the exorbitant payment due XX/XX/XXXX, which had increased in size from TD Bank 's dishonest practices. I explained I get paid on XX/XX/XXXX and had been picking up more shifts, but I had had two surgeries in the past month ( XX/XX/XXXX, and was out of work for two weeks and XX/XX/XXXX ) and was having a hard time coming up with the full amount. I asked the representative ( and this has been documented as well ) if I what I could that day and paid the rest on XX/XX/XXXX when I got paid, would I be able to get an extension on my due date. The representative said he had a better plan for me - He would do the extension to XX/XX/XXXX, if I put my debit card on file and agreed to the full amount being auto drafted on that date. I agreed and put my card on file. On XX/XX/XXXX, my card had not been drafted. I did, however, have a late charge and a note that my account had been charged off on the XX/XX/XXXX. When I called TD Bank to discuss this on XX/XX/XXXX, when I noticed the payment hadn't drafted, I was bounced around from representative to representative, and was also told the payment was still pending. I was then given a number that I was told was a TD Bank division that would help me solve this, and that they would be open the next day at XXXX XXXX. The number was XXXX, which belongs to a collection agency called XXXX XXXX. I called the next day and they were not, in fact, open the next day, and that it was a collection agency that TD Bank sells their charge offs to. I spoke with a representative on XX/XX/XXXX and they confirmed they are a separate company from TD Bank. TD Bank, despite charging off my account on XX/XX/XXXX, still took my payment from my account on XX/XX/XXXX. I have provided proof of all these with supporting documents attached. Despite it clearly being pulled from my account on XX/XX/XXXX, TD Bank also has it documented as done on XX/XX/XXXX, which is falsifying documents. XXXX also falsified information in an official complaint when he said he said he spoke with my bank.
Finally, it is clear that XXXX didn't actually read my complaint, as she said " You would like to pay what you borrowed, " plus an additional {$100.00} if we remove any negative reporting on your credit '' - which isn't what I said. I was reporting what went on. That offer is gone, and me writing that statement was in quotations, as it was what I initially offered in order to prevent them from dealing with what is proving to be an inevitable lawsuit.
All this to say TD Bank has not addressed or proven anything in my complaint. They have refused to provide documentation of their claims, and only try to weakly refute mine. They also have violated the Fair Debt Collection Act, as well as refuse to accurately investigate when the issue is brought up.
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| 04/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and theFCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notice in demand for a check for compliance and further irrefutable evidence to such claim ; THIS IS MY OFFICIAL WRITTEN COMPLAINT!
Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include Equifax, Experian, Innovis and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul mis reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : XXXX XXXX ACCOUNT # XXXXXX/XX/XXXXandXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ACCOUNT # XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX TD Target Card ACCOUNT # XXXX XX/XX/XXXX NOTATION : Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!
Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.
Injury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and PERMANENT DELETION any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at the address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization.
Further, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond within 20 calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?
Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection.
This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within a timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the NCRWG as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories.
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
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| 12/17/2019 |
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- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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I went to TD Bank on XX/XX/XXXX, with a very large XXXX XXXX settlement check, in the amount of {$100000.00} and soon as I walked in the door, I met the employee, that was the Acting Store Manager/Assistant Store Manager ( employed as both positions is my understanding ) at that time, ( ( who was in a position of " fiduciary trust '' with me, as she was very well aware that I receive permanent social security XXXX ... ... ( I was beat up under anesthesia and was taped that I XXXX my own XXXX XXXX away from my XXXX after an XXXX XXXX, as well as I suffer from XXXX XXXX XXXX, and a number of other injuries from falls, accidents, and traumas since the age of XXXX. I couldn't get medical malpractice, and due to the XXXX and other issues, became permanently XXXX under Social Security XXXX in XXXX of XXXX ) ... as she assisted me with regard to fees on my mortgage, and bank accounts in about XXXX of XXXX ) ) ; and so I asked the Acting Store Manager/Assistant Store Manager, upon my arrival, to " Please deposit this XXXX XXXX Settlement Check, which is for {$100000.00}, into my already existing checking account '' and I further stated " That I will be back in a few days to get some large checks authorized, as I want to pay off the doctors, and then take the majority of my money to XXXX XXXX, XXXX XXXX, to invest my money for my son and I, and our future. '' The Acting Store Manager/Assistant Store Manager, at that time, stated abruptly, and yelled at me, " No, you don't need to take your check to XXXX XXXX! Just deposit your check here, with us, in a Stellar Savings Account, for easy access. '' I told her, " Well, I don't want easy access, I need to make sure to invest this money for my son and I and our future. '' She told, me " Ahhhh, Don't Worry, Come on in my office and let me show you what we can do for you. '' And she pretty much " snatched '' the check out of my hand, and began walking toward her office.
We sat down and the ONLY Financial Advice, Planning, Maintenance, or Assistance, the Acting Store Manager/Assistant Store Manager, did was to tell me to take {$20000.00} to pay off my home and that would put {$250.00} in my pocket each month. '' I told her " That sounds good, but I'm not sure if that's what I should do right away, as I would like to speak with an investor, to see what's the best options, and to make sure I don't squander or lose my money, as there may not be an opportunity for us to have this kind of check again. '' She Told me, well here is a card, and she wrote a number on the back of her business card, and she said you can call this number and somebody should be able to help you.
And she said now let me open you the " Stellar Saving Account '' and you will be good to go.
I sat there sad, and all slumped over, and I was confused, as I was beyond excited to have received that kind of check, and the check had just arrived by Express Delivery that morning, as I was able to settle my case, by myself, out of court, after four ( 4 ) lawyers told me that I wouldn't get anything for my case.
To settle my own XXXX XXXX case, I worked with the XXXX XXXX XXXX Office, and also picked up medical records from another provider, and I researched Florida Statutes, and I was able to prove additional injuries and that the insurance carrier had not properly handled my case, and the Insurance Carrier chose to settle out of court, and I legally and rightfully received the full uninsured/underinsured motorist policy of the {$100000.00}.
So, the Employee that was in both Employment Capacities, Acting Store Manager/Assistant Store Manager, proceeded to open my " Stellar Savings Account '' and did absolutely NOTHING else even that day to assist me with my Financial Planning and Investments, of my assets, or to even open other accounts, to diversify the money, as she could have helped me open " CD 's '' or " IRA 's '' or even an additional savings account for my Son, but she did NOTHING else to manage, and assist me, for my son and I, and our future..
She handed me the information, on the " Stellar Savings Account ' and the entire time, I knew I was making a horrific mistake, " trusting '' the " advice '' of the Employee that I knew in a Fiduciary Capacity, as she just sat smirking and smiling and all thrilled and happy that I had " opened '' a " new '' " Stellar Savings Account. '' During the enrollment process, and the " conversion '' of my money from My Intended and Planned purpose to merely deposit my XXXX XXXX Settlement Check into my already existing Checking Account so that I could go to XXXX XXXX, XXXX XXXX, in a few days, and invest my money, the Acting Store Manager/Assistant Store Manager, asked if I wanted to keep the information online, or keep the account to have mailed bank statements. We discussed about the size of the deposit, and so with her advice, as well, I chose to NOT have my " Stellar Savings Account '' online.
The choice to stay offline, ended up being a really bad choice, overall, as the lapse in time in bank statements, and other personal matters, including my own health issues, and that my brother was fighting XXXX XXXX, and very sadly did transition, and that I was very busy filing, what ended up being three ( 3 ) separate Federal Court Cases, all during the time frame, I was " exploited '' and " ripped off '' of what I say is, thousands of dollars of my money, what I believe was stolen by the TD Bank Employees, including the Acting Store Manager/Assistant Store Manger.
I also fully believe that the Acting Store/Manager/Assistant Store Manager May have received a " bonus '' or " perk '' or " raise '' or some sort of benefit to herself, by pretty much " forcing '' me to open the " new '' " Stellar Savings Account '' So, while I was busy on 1200 pages of documents over a year and a half, in the three ( 3 ) Federal Court Cases, and fighting through being sick, and even injured, and dealing with family and their sickness, between XX/XX/XXXX to XX/XX/XXXX, I was going to the TD Bank Store Location that opened my " Stellar Savings Account '', and I would get cash, but I kept telling the various Bank Tellers, including the Acting Store Manger/Assistant Store Manager, that " opened '' the " Stellar Savings Account '' that " I felt that my balances were wrong, and that I was going through my money too quickly, and that I needed to get with an investor, or do something so I wouldn't lose all of my money. '' They even know that I was paying additional mortgage payments, to bring down the principal on my home, but they did NOTHING to Assist me, help me, guide me, or even direct me to any of the other TD Bank actual Brokerage Investment Subsidiaries, of TD Bank, such as TD Ameritrade or the TD Bank Investment Management Offices.
Instead, from XX/XX/XXXX to XX/XX/XXXX, I was " deprived '' of my " ownership interest in my financial assets for the future, for my son and I '', in " trusting '' the Fiduciary Confidence and Advice of the Acting Store Manager/Assistant Store Manager, who to me " represented '' herself, as a " Broker '' and her TD Branch Store Location, as an " Investment Brokerage. '' I met with the Acting Store Manager/Assistant Store Manger in XXXX of XXXX, and asked her " Where is all of my Money? '' and " Why am I broke? '' The Acting Store Manager/Assistant Store Manager, printed out all of the bank statements, and threw them at me, and told me, " You spent all of your money. '' I was sad, and XXXX, and crying and I told her, that " I didn't think it was right, what happened to me, and that I didn't have any money left for my son and I, and our Future. and that I wanted an " investigation '' into my account, as there were Thousands of Dollars, that I could NOT Account for in any of my records. '' The Acting Store Manager/Assistant Store Manager did NOTHING.
In XXXX of XXXX, I contacted the TD Regional Branch Manager, and advised of what occurred, and that I felt I had been " Exploited '' and " Ripped Off '' as a XXXX Adult in Florida, and that I wanted my {$100000.00} back, as I feel that the Acting Store Manger/Assistant Store Manger, had no Legal Right or Capacity, to tell me to NOT Take my check to XXXX XXXX, XXXX XXXX, and to " force '' me to " open a " New '' " Stellar Savings Account '' and that they completely misrepresented themselves, as a " Broker '' and their TD Bank Store Location, as an " Investment Brokerage, '' and I kept claiming that Money was going out of my " Stellar Savings Account '' faster than I could account for in my receipts or records.
The TD Bank Regional Branch Manager did NOTHING.
So, in XXXX of XXXX, I once again, contacted the TD Bank Regional Branch Manger, and advised of the Violations of Florida Statutes 812, Theft, Robbery and Related Crimes, specifically, Chapter 812.014 ( 1 ), ( a ), ( b ) and ( 2 ) ( a ) ( 1 ), and that the Acting Store Manager/Assistant Store Manager had " converted '' my money, by " grabbing '' my check, and then " forcing '' me to " open '' a " new '' " Stellar Savings Account, '' and as such, I was " deprived '' from my " intended '' " plan '' and " goal '' to " invest '' my " ownership interest '' in my XXXX XXXX Settlement Monies and Assets, of the {$100000.00}, with XXXX XXXX, XXXX XXXX. I further advised the TD Bank Regional Manager that TD Bank is a Commercial Bank, and does NOT meet the same legal authority, point or purpose as an " Investment Brokerage, '' such as XXXX XXXX, XXXX XXXX.
Additionally, I also advised TD Bank that they have Violated Florida Statutes Chapter 825, Exploitation of a XXXX Adult, specifically, Florida Statutes 825.105 " Good Faith Assistance '' in that the Acting Store Manager/Assistant Store Manager, took advantage of me, and " exploited '' me and BOUND TD Bank to me as an " Investment Brokerage '' firm and company, when the Acting Store Manager/Assistant Store Manger " opened '' the " Stellar Savings Account '' that they would be " brokering '' my " financial assets and resources, for the future. '' The TD Bank Regional Branch Manager responded to my letter by sending me copies of my Bank Statements, and Copies of the Savings & CD Withdrawal Slips.
Within days, I responded to the TD Bank Regional Bank Manager, that I was again, Demanding Full Settlement, of My {$100000.00}, XXXX XXXX Settlement Assets and Resources, as out of the Fifty-Four ( 54 ) Official TD Bank Savings & CD Withdrawal Slips ( " Slips '' ), at least Thirty-Five ( 35 ) of the Slips, have been Altered, have Mistakes, Have Errors, are Missing Information, or are Incomplete and the other Nineteen ( 19 ) slips, even though they appear to be complete, they also seem to be missing information or have altered information.
1. Many of the 35 Slips, do NOT have the completed Written Dollar Amount to verify the Actual Numerical Cash Withdrawal amount.
2. And there is a Savings & Withdrawal Slip where the WRITTEN AMOUNT says TWENTY FIVE and the DOLLAR AMOUNT says {$2500.00}! There is QUITE a DIFFERENCE Between {$25.00} Dollars and {$2500.00} Dollars.
Additionally, there are Savings & CD Cash Withdrawal Slips where it looks like a number 1 has been added to a Prior Slip, that was a {$400.00} dollar withdrawal became a {$1400.00} Withdrawal and a {$700.00} Dollar withdrawal looks like it became {$1700.00} Cash Withdrawal Slip.
And a NUMBER of the SLIPS LOOK like there are EXTRA SPACES by the NUMERICAL NUMBERS where they should be closer together, like someone may have Photocopied a Larger withdrawal Slip and then Whited Out and/or Changed, REUSED, and FORGED the withdrawal slip, to have a different dollar amount.
And Some of the Slips the Numerical Number is Changed, but there is NO WRITTEN DOLLAR amount to Verify the Withdrawal amount.
3. Some Savings and CD Cash Withdrawal Slips ( Slips ) have My name spelled wrong, as XXXX or just my last name XXXX with a scribble at the end. And additionally, some of the Slips Looked Copied Over as my signature looks exactly the same 4. Some Slips have Employee Initials 5. Some Slips do NOT have Employee Initials 6. Some Slips have Multiple Employee Initials with some written over or altered 7. Some Slips have NO DATE, and other slips have Errors on the Date, with some Slips missing the Year and/or part of the date is written over 8. Some Slips have Errors on the Account Numbers and they have been written over, changed or altered 9. And there appears to be a number of XXXX initials, as many as 15 of them, yet, I don't know a TD Bank Employee that works at the TD Bank Store Location, with those initials.
However, I do know from being a TD Bank Client, the former teller XXXX, whom I happened to see at the grocery store a number of months ago, was one of the main tellers that had access to my " Stellar Savings Account '', during the time frame the majority of my cash came up " missing '' or " unaccountable '' and then she either quit, or was fired, as she was criminally charged for, I believe it was, Scheming to defraud ' as I saw her mugshot in the local crime report for being arrested in the spring of XXXX.
I further advised the TD Bank Regional Bank Manager that because the Acting Store Manager/Assistant Store Manager is in Violation of Florida Statutes Chapter 812 Theft and/or for " Conversion '' of my " ownership interest '' in my {$100000.00} XXXX XXXX Settlement and also in Violation of Florida Statutes Chapter 825 Exploitation of a XXXX Adult in Florida, for failing to have " Good Faith Assistance '' with regard to the " pre-existing '' " fiduciary relationship '' and failed to assist me, with maintaining my financial stability, assets and resources for my son and I, for our future.
I also then further advised the TD Bank Regional Manager that since the Acting Store Manager/Assistant Store Manager is in Violation of Florida Statutes Chapters 812 and Chapters 825, I am allowed to file " Pre-Settlement Notice '' of Violation of Florida Statutes Chapter 772, Civil Remedies for Criminal Practices, I would then be entitled to " three fold actual damages, or treble damages. '' I am seeking reimbursement of all {$100000.00} of my XXXX XXXX Settlement Monies, along with the treble damages for a Total Demand Settlement of {$300000.00}, as the Acting Store Manager/Assistant Store Manager, whom had a " pre-existing '' " Fiduciary Relationship '' had no legal Right or Capacity to tell me to NOT take my check to XXXX XXXX, XXXX XXXX, and then to " convert '' my funds to her TD Bank Commercial Bank and to " exploit '' me of my financial assets and resources, to what may even be her personal gain or benefit, without any assistance, or maintenance to me, as a XXXX person under the Laws of the State of Florida.
I requested for the TD Bank Regional Branch Manager to Settle with me, out of court, to avoid the attorney 's fees, and costs of filing litigation in this matter.
The TD Bank Regional Branch Manger, declined to settle out of court.
I already outlined the Threefold or Treble Damages, under Florida Chapter 772.11 ( 1 ), and I am in the process of preparing another Demand for Settlement Letter, which will further comply with the " Pre-suit '' Requirements of Florida Statutes Chapter 772.11 ( 1 ).
Additionally, I sent an email on XX/XX/XXXX, to the TD Bank Regional Manager, as TD Bank, is also guilty of Violating Florida Statutes Chapter 655, Title XXXVIII, Banks and Banking, and specifically, Chapter 655.50, the " Florida Control of Money Laundering and Terrorist Financing in Financial Institutions Act, '' and specifically Chapter 655.50 ( 8 ) ( a ) which states, in part, the following : ( 8 ) Each financial institution shall maintain : ( a ) Full and complete records of all financial transactions, including all records required by 31 C.F.R. parts 500-598 and 1010 for a minimum of 5 calendar years.
Additionally, I sent the TD Bank Regional Branch Manager correspondence with the Email that outlined the additional Violations of Florida Statutes According to the Florida Statute Chapter 655.50 Florida Control of Money Laundering and Terrorist Financing in Financial Institution Act, specifically, Statute 655.50 ( 4 ), states the following with regard to the within State Statute Requirement, to have a BSA/AML Compliance Officer that is Required to comply with the rules and regulations within Chapter 655 and all of the other Bank and Financial Institution Rules, Regulations and Statutes on both the State and Federal levels, ( emphasis added ) : ( 4 ) A financial institution shall designate and retain a BSA/AML compliance officer. The board of directors of a financial institution must ensure that the designated compliance officer is properly qualified and has sufficient authority and resources to administer an effective BSA/AML compliance program. The board is ultimately responsible for establishing the institutions BSA/AML policies and overall BSA/AML compliance. A change in the BSA/AML compliance officer must be reported to the office.
In addition, Florida Statute Chapter 655.50 Florida Control of Money Laundering and Terrorist Financing in Financial Institution Act, specifically, Statute 655.50 ( 3 ) states the following Requirements for the Bank Secrecy Act ( BSA ) / Anti-money Laundering ( AML ) Compliance Officer in accordance with the additional the Bank Secrecy Act of 1970 ( BSA ), the USA Patriot Act of 2001
and all of the other Federal and State Banking and Financial Institution Statutes, Laws, Rules and Regulations, ( emphasis added ) : ( 3 ) As used in this section, the term : ( a ) BSA/AML compliance officer means the financial institutions officer responsible for the development and implementation of the financial institutions policies and procedures for complying with the requirements of this section relating to anti-money laundering ( AML ), and the requirements of the Bank Secrecy Act of 1970 ( BSA ), Pub. L. No. 91-508, as amended ; the USA Patriot Act of 2001, Pub. L. No. 107-56, as amended, and federal and state rules and regulations adopted thereunder ; and 31 C.F.R. Parts 500-598, relating to the regulations of the Office of Foreign Assets Control ( OFAC ) of the United States Department of the Treasury.
Therefore, TD Bank, is Required to have a BSA/AML Compliance Officer that is fully responsible for complying with Florida Chapter 655, Title XXXVIII, Banks and Banking Rules and Regulations. And also for complying with all of the other Federal and State Banking and Financial Institution Statutes, Laws, Rules and Regulations with regard to keeping Full and Complete Records of All Financial Transactions.
So, TD Bank is also therefore out of compliance then with the Federal Banking Rules and Regulations with regard to Full and Complete Records of All Transactions and also the Federal Anti-money- Laundering laws.
Once again, I made demand to TD Bank for a fair, reasonable and equitable settlement under the Chapter 655 Title XXXVIII, Banks and Banking, Chapter 655, Financial Institutions Generally, of the 2019, Florida Statutes, under Chapter 655.50 Florida Control of Money Laundering and Terrorist Financing in Financial Institutions Act, specifically 655.50 ( 3 ) ( a ), ( 4 ) and ( 8 ) ( a ), as well as Florida Statute 812 Theft, Robbery and other Related Crimes, and Chapter 825 Exploitation of Elderly Persons of Disabled Adults in the State of Florida and also pursuant to Chapter 772.11 ( 1 ) Civil Remedies for Civil Practices for FULL DEMAND of {$100000.00} x THREE ( Treble Damages ) for FULL DEMAND SETTLEMENT of {$300000.00}.
Today is XX/XX/XXXX, and I have yet to have an email or letter or phone response to my XX/XX/XXXX, email to the TD Bank Regional Branch Manager.
I am a XXXX single mother, with a XXXX son, and we don't even have enough money to pay our bills this month, we go each month without food, and we don't have any XXXX presents!
We are beyond devastated and traumatized that we are struggling, when we should have plenty of money and our lives should be very financially sound.
|
| 06/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I was pre-approved for {$52000.00} with XXXX XXXX XXXX XXXX. On XX/XX/XXXX I found a car for sale that meet my monthly payment criteria with all the desired add-ons. Using the XXXX XXXX XXXX portal I reached out the dealership XXXXXXXX XXXX XXXX XXXX XXXX to confirm availability and schedule a test drive. That day I went up to the dealership to finalize the consumer sale transaction.
I was violated by XXXX XXXX XXXX of XXXX XXXX. On XX/XX/XXXX I was in need of a vehicle and decided to go with XXXX XXXX XXXX. Using their auto locator website I found a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXXXXXX XXXX. Agreed upon price {$19000.00}. Or so I was mislead to believe that was the agreed purchase price for everything we ( the Sales Associate XXXX XXXX and I ) had discussed and went back forth about, had agreed to. Until his Sales manager came into the transaction.
My application for an auto loan with XXXX XXXX was pre approved. When I presented my pre-approval information the XXXX XXXX XXXX asked me for my ID and to complete a one page piece of paper, he stated was in order to bring up my pre-approval information. This was false and misleading information pertaining what was need to access my pre-approval as my pre-approval letter states to simply provide them this letter with my confirmation information on it and the dealership will call XXXX XXXX once I have selected a vehicle. He later asked me to email him this letter to XXXX. He also stated several times during my time at the dealership all vehicle at XXXX XXXX XXXX come with Paint and interior protection. This provides peace of mind when it comes to damages outside or inside all of our vehicles, he stated this four times. Twice outside prior to me agreeing to a test drive. Again when I returned from the test drive and we were going back into the office building. Then once again while sitting at his desk while I was waiting for the Sales Manager to bring the terms of my XXXX XXXX XXXX approval.
The Sales Manager violated me and my consumer rights during this consumer transaction several times. He informed me of false and misleading information pertaining to the requirements in order to complete the purchase of the vehicle using my preapproval. The Sales Manager stated that in order to move forward with my pre-approval with XXXX the bank required me to put a down payment of {$8000.00} on a Purchase price of {$19000.00} and that my interest rate would be 18.5 %. Pursuant to 15 USC 1662b it is illegal to require a down payment in conjunction with an extension of consumer credit. It is a fact that I was told that the cash down payment was the only way I could move forward with using my pre-approval finance I already obtain prior to arriving in their office. When I asked for a copy of these terms in writing, I was refused a copy. The manager then proceeded to inform me of other financing options and terms. After leaving the dealership I was able to go through my emails and my credit monitoring alerts informed me that my credit had been ran numerous times during my time at the dealership on XXXX XXXX XXXX PST. So now I have hard inquiries on my report when the XXXX XXXX and XXXX XXXX XXXX were the only two with my personal information. Per the congressional findings of Truth In Lending Act, The purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to them and avoid the uninformed use of credit. The Sales Manager stole my identity to offer other financing options that did not benefit me, was not requested by me, nor authorized. None were within the payment range I stated several times my budget could allow for. The Sales Manager then informed me I was required to purchase extended warranties to be approved for financing options that would be closer to my price point. This information left me to be convinced a that my only option was to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for a loan that I didn't need ( had pre-approval ), didn't want ( I stated several times I did not want any extras ) or can't afford ( I stated my budget and the max I could afford, which is why I wanted to see my terms from my approval with XXXX XXXX it was well within my price range prior to me arriving in this office ). I am still receiving denial of credit letters for auto loan credit extension to this day steaming from this identity theft.
When I asked for a copy of my consumer transaction file, I was told that I would get a copy of my signed contract and all documents withing 2-3 days via email. After 10 days I had to go back to the dealership to obtain a copy of my signed documents. When I arrive the Sales manager stated that they did not have my email, which is absolutely false. As I emailed them my proof of insurance, which they required of me before I was able to complete the transaction. Also emailed them a copy of my XXXX pre-approval letter to facilitate the completion of my pre-approval application.
Once I had a copy of my consumer transaction paperwork, I was able to look further into the documents. I have found so many inaccuracies regarding the information example the credit application that has a signature, not mine as I do not sign with ANY letters directly on top of each other, I also do not use the leading 0 when writing the day for dates ( compare my signature on other the pages ) that I did not fill, submit, nor sign at the time of sale.
I was never given a full breakdown of what was included in the finance charge in either contract. Based on the consumer protection laws and your lack of complete disclosure I rescind the entire transaction due to fraud. Any fraud vitiates the entire financial transaction. Finance charge is on money given to you, not credit transactions Agreement has finance charges by the finance company in this case XXXX XXXX XXXX, committed predatory lending in a consumer credit transaction under Regulation Z. Pursuant to15 USC 1605 ( a ) : the amount of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. I did not enter KNOWINGLY, VOLUNTARILY, AND INTENTIALLY. I do not accept the liability of any compelled benefit or lack thereof, or any unrevealed contact or commercial agreement. I have a right to sue you under the Common Law for violating my rights under the UCC. I did not sign any contract where I received COMPLETE DISCLOSURE AND EQUAL CONSIDERATION. If I did, it was UNKNOWINGLY, INVOLUNTARIY AND UNINTENTIONAL. How is it possible to be in agreement/contract with three entities regarding the same vehicle? Proof will be provided. CONSUMER PROTECTION LAWS Equal Credit Opportunity Act / Truth in Lending Act Regulation Z Fair Credit Reporting Act / 15 USC 1611 - False & Inaccurate information Fair Debt Collections Practice Act / 15 USC 1692 - Debt collection practices CFPB 1026.23 Right of Rescission ( cancellation ) TD Auto very first correspondence was an attempt to collect a debt and no disclosures were provided.
XXXX It is a fact that once there is a dispute of any billing error, a creditor can not report any information to a 3rd party until the dispute has been resolved, pursuant to 15 USC 1666a. It is a fact that it was never disclosed that all service fees were to be included with the finance charge as noted per 15 USC 1605. It is my understanding that any and all services that may be needed for the life of this vehicle will be covered by your company and that I would only be responsible for the cost of parts. It is a fact that pursuant to 15 USC 1692c, I am providing notice that I refuse to pay any debt and as the original creditor ( since I created the debt ) I intend to invoke a specified remedy. It is a fact that disclosure of my rights to rescind the consumer credit transaction or the documents required for me to rescind the transaction was never provided to me as required pursuant to 15 USC 1635. Under 15 USC 1635, I am exercising my right to rescind the consumer credit transaction, which would include any power of attorney. Since the vehicle has depreciated in value it is not equitable for me to return the vehicle. Within 20 days of receiving this notice, you will return all payments made in relation to this contract as well as take all required action to reflect the termination of your security interest that was created by this consumer credit transaction.
On XX/XX/XXXX I mailed the following letter to both XXXX XXXX XXXX and TD Auto Finance via certified mail. TD Auto received this letter on XX/XX/XXXX at XXXX ( Tracking number XXXX ). XXXX received this letter XXXX XXXX XXXX XXXX Tracking number XXXX ). As of XX/XX/XXXX I have received a letter from XXXX which does not address what my letter has requested. TD Auto has still not responded, validated the debt, update my consumer report to reflect that this account is disputed and has violated FDCPA Section 805 ( a ) ( 3 ) and FDCA Section 1006.6 ( b ) ( 3 ) laws by continuing to attempt to collect on this fraudulent debt. Also contacting me at work even after I notified them, several times.
XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XX/XX/XXXX TD AUTO FINANACE XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Re : Acct # XXXX TD AUTO FINANACE Re : Acct # XXXX Make of car : XXXX Model : XXXX XXXX # XXXX To Whom It May Concern : I recently received a copy of my credit report and I noticed an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report immediately.
TD Auto Fin XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.
I am writing in regard to the above-referenced account and transactions. This vehicle was purchased at XXXX on XX/XX/XXXX.
I have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 USC 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) OPT OUT ( 1 ) IN GENERAL financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
XXXX did not disclose this information to me that is required by federal law.
XXXX knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties.
XXXX knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option.
You are in violations of several federal laws you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on.
Should you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision.
15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( XXXX ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( XXXX ) because the applicant has in good faith exercised any right under this chapter.
Best Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XX/XX/XXXX TD AUTO FINANACE XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX of a Debt Request Pursuant to 15 USC 1692g.
BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark ( s ) is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository/ agency that could be inaccurate or invalidated.
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX The Following information is required. Please fill out the form below in its entirety.
XXXX. Name and address of Alleged creditor : XXXX. Name on file of alleged debtor : XXXX. Alleged Account # : XXXX. Address on file for alleged debtor : XXXX. Amount of alleged debt : XXXX. Date this alleged became payable : XXXX. Date of original charge off or delinquency : XXXX. Was this debt assigned to a debt collector or purchased? ____ No ____Yes XXXX. Amount Paid if debt was purchased : XXXX. Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants TD AUTO FINANACE the authority to collect this alleged debt.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
o Yes o No Have any Judgements been obtained by any creditor regarding this account?
o Yes o No Please provide me the name and address of the bonding agent for TD AUTO FINANACE, in case legal action becomes necessary : Date : ________________ _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within XXXX calendar days from the date of receipt of this letter.
Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 calendar days for processing after I receive this information.
Thank You.
|
| 10/29/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
XX/XX/XXXX XXXX County Government XXXX County Department of Cable and Consumer Services Consumer Affairs Branch Consumer Complaint To the Office of XXXX County Consumer Affairs Complaint against XXXX XXXX XXXX XXXX In XX/XX/XXXX, my bank account at XXXX XXXX XXXX XXXX was hacked and about {$4000.00} was taken out of my checking account in the repeated incremental funds in the amount of {$99.00} several hundred times. The hacker also got access to my saving accounts and transferred funds from the two saving account in to the checking account and then withdrew money.
As soon as I found out, I immediately changed my password and rushed to XXXX XXXX XXXX and reported the hacking.
XXXX XXXX XXXX immediately closed my account, which I had since XX/XX/XXXX ( for 20 years ) and reissued a brand new account for me. This of course has immediate effect on my online payment activities, such as my mortgage payments to XXXX XXXX, my car payments to XXXX XXXX, XXXX XXXX credit card payments, XXXX XXXX Visa card, XXXX XXXX premium payments and many others, including XXXX on line payments.
At the date mentioned above I received a letter from XXXX saying that since I have not used my XXXX XXXX XXXX for many months past, the account will be closed due to inactivity. So I went to XXXX and purchased something I needed and spent about {$55.00}.
Meanwhile when XXXX XXXX XXXX issued me a new account, the teller made a mistake and instead of writing ( 1 ) at the beginning of my checking account, he entered ( 0 ) and this caused my payments described above to be returned. However, I called XXXX XXXX, XXXX XXXX Visa, XXXX XXXX Credit Card, XXXX, XXXX and tried to fix the issue. I am also receiving social security payments and had top contact them too.
XXXX XXXX Visa and XXXX XXXX too had returned checks due the problems I have mentioned above.
As for XXXX Credit Card, I usually made my payments at my local XXXX XXXX Customer Service . So in XX/XX/XXXX I made a payment of {$25.00} toward the {$55.00} which I have charged using the XXXX card and {$34.00} and some cents were left over. I then made an attempt to pay the remainder using my online XXXX account and a few days later when I checked, there was a {$27.00} returned fee charged against me. I immediately went to my XXXX Store at XXXX XXXX and paid the remaining funds due to XXXX. I then called wrote a note to XXXX Card Services and explained to them what had transpired and to please rescind the returned check fee.
They wrote back that in order to do that, my bank, namely XXXX XXXX XXXX needs to write a letter explaining the situation with my account. XXXX XXXX XXXX wrote a letter and stated that it was not Mr. XXXX XXXX fault, the bank had to close the old account and issue a new one and in the process the teller made a mistake and one number in front of the checking was given incorrectly and tpp please rescind the {$27.00} returned check fee.
I sent the letter top XXXX Credit Card payment center.
I waited a few days and checked my account and the {$27.00} returned check fee was still there. So I called XXXX XXXX XXXX Customer Service and after several attempts was able to talk to an agent.
The agent heard my story and he said that he is sorry to hear about my plight and that he will make note of it and pass it on to appropriate people and he also told me that since I am disputing the charges, I dont need to pay the {$27.00} because I have filed a dispute. This was XX/XX/XXXX.
A week later I received a statement from XXXX through the mail, and the {$27.00} fee was now due.
From here on I wrote several notes to XXXX Card Services and they responded without addressing the real issue. Again I made several attempts to call and finally was ab le to connect with an agent who after listening to my story, transferred me to collections and there I repeated my story and he in turn transferred me to another number which was a dead-end, because it kept on asking me, If you know the four digit the number of the person you calling, enter it now Then last week I received a new statement from XXXX XXXX XXXX and this time they have added {$28.00} fee on top of the old {$27.00} and now they are demanding {$55.00} I am very upset and angry and wrote to XXXX XXXX XXXX to close my account and then I shredded their card. I will never patronize XXXX for as long as I live and I have instructed my family members to cease purchasing anything from XXXX.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Below is an account of my correspondence with XXXX up to this date.
I talked to a card service member last week to settle this returned check fee for a payment I have made online. The payment was returned by my bank because they were forced to closed my account which I had for over twenty years and issued me a new one, however, they made a mistake in giving me my new account and the first digit was supposed to be 1, but by mistake they gave meO as the first digit or something like that.
I notified the XXXX XXXX and this is what I wrote and their reply : XX/XX/XXXX XXXX XXXX XXXX Current Account Information Questions XX/XX/XXXX XXXX Card Services Current Account Information Questions XX/XX/XXXX XXXX XXXX XXXX Statement Questions XX/XX/XXXX XXXX XXXX XXXX Statement Questions XX/XX/XXXX XXXX XXXX XXXX Statement Questions XX/XX/XXXX XXXX XXXX XXXX Statement Questions XX/XX/XXXX XXXX XXXX XXXX Current Account Information Questions XX/XX/XXXX XXXX XXXX XXXX Current Account Information Questions XX/XX/XXXX XXXX XXXX XXXX Current Account Information Questions XX/XX/XXXX XXXX XXXX XXXX Current Account Information Questions XX/XX/XXXX XXXX XXXX XXXX Current Account Information Questions It seems like my account is out of sink. I made payments but I see two fees added when my account should be XXXX. I have had my bank account at XXXX XXXX XXXX was hacked and large amount of money was taken out. The bank closed my old account and opened a new one. It could be that they were cautious and retuned my payment?
In any case I do not agree with the two charges for {$27.00} and {$32.00}. Please void those two.
Hi XXXX, We understand your concern regarding your account.
Your bank returned the recent {$32.00} payment because the account couldn't be located. Your XXXX account was charged a fee due to this returned payment.
We're unable to remove the returned-payment fee from your account. We understand that this may not be the outcome you were looking for, but we hope you understand that we must remain consistent with our credit policies in fairness to all our accountholders.
If you wish to dispute the returned payment on your account, please include written verification from your bank to request the returned check fee to be removed. Also, include your XXXX Account Identification Number, which can be found at the top of the Account Summary page of Manage My XXXX, on all correspondence. Please send this information to : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX If approved, you'll see a credit for the returned check fee on your next statement once verification has been received from your bank.
Thanks for contacting us!
I have obtained a letter from my bank, XXXX XXXX XXXX which stated that my bank account was hacked and large amount of money taken out and they had to close my old account which I had since XX/XX/XXXX. In the process I made attempts to pay for my XXXX card charges online and it was returned and I was charges {$27.00}. I have disputed that charge in writing to XXXX XXXX XXXX and you wrote back to say that you needed verification from my bank, which I have sent to you, but I still see the {$27.00} charge still in place with a due date of XX/XX/XXXX. If you are not willing to rescind the charge, I will be forced to cancel my XXXX XXXX XXXX.
Sincerely, XXXX XXXX XXXX, servicer to TD Bank XXXX, XXXX.
Hi XXXX, We're sorry for any disappointment with your return payment dispute and to hear that you may want to close your account.
For the best help with your dispute, please call us at ( XXXX ) XXXX to speak with a Payment Dispute Representative. They're available Monday through Friday, XXXX XXXX. - XXXX XXXX. ( Central time ) They'll be able to provide a fax number for your document.
We want you to know that once your account is closed, they can't be reopened. If you wish to proceed with closing your account or have additional questions, please give XXXX XXXX XXXX a call at ( XXXX ) XXXX. We're available 24 hours a day, 7 days a week.
Your enrollment in Manage My XXXX stays active until you cancel it. When you're ready to cancel your online enrollment, here 's how : -Under Settings, select 'Disable Access ' -Enter your password and then click on 'Disable Access ' Thanks for writing!
Sincerely, XXXX XXXX XXXX, servicer to XXXX XXXX XXXX, XXXX.
What kind of catch 22 is this. I did not say that I want to close my account with XXXX. Reread my previous message and answer me for what I have asked for. Am I dealing with Robots here?
Hi XXXX, We're sorry for your disappointment with the service experienced.
We know you count on receiving friendly and helpful service from us, and we regret that this wasn't your experience with us. We'll be sure to keep your comments in mind as we work toward making the XXXX experience better for every guest.
In regards to your concern, we see that you gave us a call today, inquiring about the letter that you sent us. At this time, we dont have any additional updates as far as the letter or returned payment fee.
We appreciate you bringing this matter to our attention. You're a valued guest, and we hope you'll consider shopping at XXXX again.
Thanks for writing to us.
Sincerely, XXXX XXXX XXXX, servicer to XXXX XXXX XXXX, XXXX.
I talked to a card service member last week to settle this returned check fee for a payment I have made online. The payment was returned by my bank because they were forced to closed my account which I had for over twenty years and issued me a new one, however, they made a mistake in giving me my new account and the first digit was supposed to be 1, but by mistake they gave meO as the first digit or something like that.
I notified the XXXX XXXX and this is what I wrote and their reply : Account Identification Number : XXXX From : XXXX XXXX XXXX To : XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Current Account Information Questions It seems like my account is out of sink. I made payments but I see two fees added when my account should be XXXX. I have had my bank account at XXXX XXXX XXXX was hacked and large amount of money was taken out. The bank closed my old account and opened a new one. It could be that they were cautious and retuned my payment?
You wrote back : Hi XXXX, We understand your concern regarding your account.
Your bank returned the recent {$32.00} payment because the account couldn't be located. Your XXXX account was charged a fee due to this returned payment.
We're unable to remove the returned-payment fee from your account. We understand that this may not be the outcome you were looking for, but we hope you understand that we must remain consistent with our credit policies in fairness to all our accountholders.
If you wish to dispute the returned payment on your account, please include written verification from your bank to request the returned check fee to be removed. Also, include your XXXX Account Identification Number, which can be found at the top of the Account Summary page of Manage My XXXX, on all correspondence. Please send this information to : If approved, you'll see a credit for the returned check fee on your next statement once verification has been received from your bank. Thanks for contacting us!
I then obtained a letter from my bank addressing the above and sent it to XXXX Bill Payment Center. After a few days, the fee charge for {$27.00} was still listed as due. I then called the XXXX XXXX services and was told that the issue will be taken care of and {$27.00} will be rescinded. And now today I have been slapped with another {$28.00} and now XXXX demands that I have to pay {$55.00}.
At this point I am frustrated and your two numbers listed XXXX For Account Management Questions XXXX For General Credit Questions -- -- -- do not provide for to be able to talk to a live person. If this trend continues, I will cease my relationship with XXXX permanently and will never shop at XXXX and I will prevent my family and friends from visiting XXXX. This level of incompetence can not be tolerated.
Hi XXXX, We're sorry for your disappointment with the service you experienced.
We know you count on receiving friendly and helpful service from us, and we regret that this wasn't your experience with us. We'll be sure to keep your comments in mind as we work toward making the XXXX experience better for every guest.
Unfortunately, we're not able to help you with this through online messaging. If you'd like to speak to a representative regarding this issue, please give us a call at ( XXXX ) XXXX. Our normal business hours are : Mon - Thu, XXXX - XXXX ; Fri, XXXX - XXXX ; Sat, XXXX - XXXX ; Sun, closed. All times Central. We're closed on some holidays.
Thanks for writing.
Sincerely, XXXX XXXX XXXX, servicer to XXXX XXXX XXXX, XXXX.
The number you provided is no good to me. ( XXXX ) XXXX. It provides four options and no access to live customer service. I now have no choice but to report this entire episode to XXXX County Government-Office of Consumer Affairs and to our local TV Channel XXXX on your side Program. Enough is enough.
Hi XXXX, We're sorry for your disappointment with the service experienced.
We know you count on receiving helpful service from us, and we regret that this wasn't your experience with us. We'll be sure to keep your comments in mind as we work toward making the XXXX experience better for every guest.
After reviewing your account, we found that we've already opened a dispute case for you.
We're not able to help you with this through online messaging, for the best help with your payment dispute, please call us at ( XXXX ) XXXX to speak to our Dispute Resolution team. They're available Monday through Friday, XXXX XXXX - XXXX XXXX ( Central time ) When you're asked for your account number, you can press #, #, # to speak to a representative.
Looking forward to your call!
I have no choice but to take legal action in this matter. I did not get anywhere with the number provided. It is just dead end. And please cancel my card ASAP. I and my family will never patronize XXXX ever again. I have just tore up my XXXX card # XXXX XXXX XXXX XXXX.
Your incompetence is astounding.
Here is a sample of the letter XXXX XXXX XXXX sent me without charging me a fee for a returned check A payment was returned unpaid Please make a replacement payment right away Hi, XXXX. A recent payment of {$100.00} on your XXXX Anywhere Visa account was returned unpaid by XXXX XXXX.
What happened and whats next?
The payment couldnt be processed with the account and routing information provided. Delete the payment account, re-enter the account and routing number and try making a replacement payment. You can quickly and easily manage your payment accounts and make a replacement payment in the XXXX Mobile App or XXXX Online. The payment will be credited same-day.
Please contact XXXX XXXX directly for any further questions or clarifications about this returned payment.
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| 12/23/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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Web |
Older American |
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To : XXXX XXXXXXXX XXXX TD Bank, XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2022 RE : TD Bankss Response to CFPB Complaint # XXXX Dear XXXX XXXX XXXX Thank you for your response dated XX/XX/2022 to my CFPB Complaint # XXXX. Unfortunately, much of the information provided to you for your response was either incomplete or incorrect.
As you suggested, I am contacting you now to request a response to the following facts and questions outlined below. I have highlighted questionable banking processes.
Following are quotes from your response letter, identified as TD Bank, followed by the facts : TD Bank : In your complaint you allege on XX/XX/2022, you processed an international wire transfer and learned later that day it was a scam.
FACT : I completed an international wire transfer request and learned two hours later it was a scam. Processing that request by TD Bank was the first questionable banking process. The wire transfer form I signed stated if funds were not in the account the transfer would be cancelled. I told the bank attendant funds in my checking account for the wire were from XXXX XXXX I left TD bank with the understanding my request would be reviewed/approved by the branch manager that afternoon. When TD Bank processed the request the balance in my checking account was approximately XXXX, far short of the XXXX required for the wire transfer. Instead of adhering to TDs policy of cancelling the transfer XXXX was pulled from my savings account and deposited to my checking account and subsequently sent to XXXX XXXX. Given the circumstances ( i.e., knowing the XXXX} was coming from XXXX XXXX ), the common practice of pulling funds from one account ( savings ) to cover shortfalls in another account ( checking ), as explained by the bank manager, is unacceptable.
The second questionable banking process ( or lack of ) is identifying the various stopping points of the funds enroute to the final destination and how those points are determined. When I signed the transfer request I was told it would take three to five days for the funds to be sent to the international bank, giving TD Bank time to check if there were any problems with the transfer. In subsequent correspondence ( letter from TD bank ) I was told the funds were sent to XXXX XXXXXXXX XXXX and in another correspondence ( TD Banks response to my CFPB complaint ), funds are sent immediately upon request to the receiving bank.
TD Bank : You went to the store and filed a claim and Request to Return Funds due to fraud was completed.
FACT : This is the beginning of the incorrect and incomplete information you received in writing your response. I did not go to the store. I did not file a claim and Request to Return Funds. I called the Branch manager who said she would file a claim with the Fraud Division. She said nothing else could be done. She then forwarded me to the Fraud Division whose staff were helpful in closing my accounts and submitting a request for new accounts. A questionable banking process, or rather lack of a process, leads me to believe the Branch manager does not have a procedure for reporting fraud. In this case, she initially reported the fraud to one ( Fraud Division ) of the two divisions responsible for addressing the fraud and told me nothing else could be done. It wasnt until I talked with my contact at the XXXX and XXXX XXXX XXXX and learned the Branch manager had not filed the request. I called the Branch Manager and she agreed to send a Request to Return Funds due to fraud to the International and XXXX XXXX XXXX and did so within an hour, just before bank closure at XXXX on XX/XX/2022.
TD Bank : XXXX was opened, and the investigation resulted in your being informed that the funds were withdrawn from the international bank and there are no funds remaining. You do not agree with this and feel it was a failed investigation, and you request that we review it again.
FACT : My claim of a failed investigation, more accurately stated as no investigation, was not based on being told the funds were withdrawn from the international bank and there are no funds remaining. That was obvious. It was based on my correspondence with TD Bank employees between XXXX XXXX, XXXX, and XXXX XXXX, XXXX. Most of the information I received during my correspondence with TD Bank XXXX was false, leading me to believe someone was attempting to cover-up the facts in this case. The alleged cover-up became obvious to me during my correspondence with a TD Bank employee when I called XXXX on XX/XX/2022, with questions about a letter I received stating the funds had been sent to XXXX XXXX XXXX ( Receiver Bank ) . I asked the status of the funds. After a lengthy time on hold, the TD Bank employee returned to tell me the funds were with the Federal Reserve, the agency that works with TD Bank and the International bank to resolve the problem. The Narrative from XXXXXXXX XXXX XXXX informing TD Bank on XX/XX/2022 the funds were transferred on XXXXXXXX XXXX XXXX to the International Bank in XXXX proved the information I received from TD Bank employees between XX/XX/2022 and XX/XX/2022 was false. A questionable banking process is the lack of accountability for information provided to customers and the apparent failure to document said information, leading in this case to an apparent cover-up.
The Narrative from XXXX XXXX XXXX informing TD Bank on XX/XX/2022 the funds were transferred on XX/XX/2022 to the XXXX XXXX in XXXX is a questionable banking process given the international Bank does not participate in any attempt to stop fraud given their procedure is to contact the recipient ( an accomplice to the scam ) to request return of the funds and their instruction to TD Bank is to contact the recipient directly for any request to return funds in the future. Does XXXX XXXX XXXX in XXXX operate under the same policy? Are there no standards for banks operating in XXXX?
The Narrative confirms my belief TD Bank and XXXX XXXX XXXX were, at the very least, negligent in preventing fraud. There is more to this case that warrants further investigation.
TD Bank : We have reviewed your concerns and confirmed the investigation was handled correctly and did not fail. On XX/XX/2022 XXXX. XXXX XXXX contacted you and advised you that this was investigated and a wire recall was initiated, however we received the response that no funds remained via indemnified recovery.
FACT : XXXX. XXXX XXXX XXXX ( not XXXX ), TD Bank XXXX XXXX XXXX XXXX, called me from his NY home office on XX/XX/2022. He was not aware of the investigation by the International and XXXX XXXX XXXX ( i.e., the investigation I referred to throughout my correspondence with individuals and agencies, documenting the details of what was portrayed as an investigation ). He was calling in response to the report filed by the Fraud Division. After a brief discussion he concluded the investigation was handled correctly. He agreed to review the letter I sent to XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022, and then discussing the case with me. I emailed the letter to him and followed up several days letter. Although he did not respond to me, I see he is the only person quoted although he had no knowledge of the investigation of the case by the International and XXXX XXXX XXXX when he called me on XX/XX/2022.
TD BANK : Our wire team has done everything possible to try to recover the funds. The beneficiarys bank stated the funds have already been withdrawn. TD Bank investigated the process to recall the wire and learned there were no delays or errors. Please note that recall attempts are never guaranteed but we make every effort to recover funds when possible. International wires are sent immediately upon request, and we do apologize that you were given incorrect information regarding the timing. We recommend that you contact the federal and local authorities in the foreign city where you sent the money.
FACT : The incorrect information I received was far reaching, beyond the timing, and was suspicious. The above TD Bank statement is a summary of the incomplete and incorrect information provided throughout TD Banks response to my CFPB complaint. Please refer to the previous listed FACTS for the correct information.
Following are my questions with responses from TD BANK in bold followed by the FACTS : 1. Where did the funds go immediately after withdrawal from my checking account? The wire was sent out immediately to the Beneficiary as you instructed.
FACT : I did not instruct TD Bank to send the funds to the Beneficiary immediately. When I signed the transfer request I was told there is a holding period of between three and five days before the funds would be sent to the beneficiary.
2. What specifically did the investigator do in conducting the investigation of my case? The case was created XX/XX/2022, the investigator received the case on XX/XX/2022 and sent an email out to the store to submit a Fraud intake form and sent out a recall for the Wire Via our XXXX XXXX Please keep in mind that XX/XX/XXXX was the holiday weekend. TD Bank may have been closed but other countries were not.
FACT : TD Bank was not closed on XX/XX/2022. The holiday weekend was XXXX XXXX XXXX I received a call from TD Bank on XX/XX/2022 stating the investigator requested detailed information about the scam. I provided the information. Your response to my question asking what the investigator did in conducting the investigation indicates the only action by the investigator was sending an email to the store and a recall for the Wire via your correspondent Bank. Was the recall sent to XXXX XXXX XXXX or to XXXX Wire Transfer Investigators or to another agency?
3. What role does XXXX XXXX have in TD Banks International Wire Transfers? XXXX XXXX is our correspondent bank. Every bank has a correspondent bank while sending an international wire.
FACT : I know XXXX XXXX Bank is TD Banks correspondent bank and that XXXX XXXX has a bank in XXXX. My question is what role does XXXX XXXX Bank have in TD Banks International Wire Transfers? I was informed by TD Bank, via a letter, my funds were sent from TD Bank to XXXX XXXX Bank. What was the location of the XXXX XXXX Bank? Did XXXX XXXX Bank send the funds to their bank In XXXX and then to the receiver bank? If so, did they decide when the funds were sent to the receiver bank?
4. What role if any does the Federal Reserve have in TD Banks International Wire Transfers? The wire process via the XXXX XXXXXXXX system or via XXXX XXXX system. The Federal reserve has nothing to do with a wire.
FACT : As previously noted, I called XXXX on XX/XX/2022 with questions about a letter I received stating the funds had been sent to XXXX XXXX XXXX XXXX referred to as the Receiver Bank ). I asked the status of the funds. After a lengthy time on hold, the TD Bank employee returned to tell me the funds were with the Federal Reserve, the agency that works with TD Bank and the International bank to resolve the problem. Based on this and previous contacts with TD employees I suspect there was a cover-up.
5. Who are the parties in the attached NARRATIVE, namely the XXXX, We and Your? TD Bank is the bank who initiated the wire, and our correspondent bank is XXXX XXXX.
FACT : I know TD Bank is the bank who initiated the wire and XXXX XXXX Bank is the correspondent bank. Who is ATTN? ATTN wrote the Narrative received by TD Bank on XX/XX/2022 and are identified as ATTN wire transfer investigations. ATTN acknowledged receipt of your cancellation request dated XX/XX/2022 concerning your payment for USD XXXX dated XX/XX/2022. Who is your? Who paid? Who sent the cancellation request? TD Bank or XXXX XXXX XXXX? The funds were paid XX/XX/2022 confirming the false information I received by TD employees throughout what I was led to believe was an investigation of the case.
6. When and by whom were the funds sent to and received by the XXXX XXXX XXXX? The funds were received by the Beneficiary that the wire was sent to, we received an incoming Swift message on XX/XX/2022 that the funds have been withdrawn and there were no funds in the account therefore the correspondent bank closed their case, in turn we must close our case.
FACT : You did not answer the question. I see from the Narrative sent by ATTN Wire Transfer Investigations the funds were received by the XXXX XXXX XXXX the same day I initiated the request for the wire transfer. If the funds were sent from TD Bank to XXXX XXXX XXXX, as I was told, did XXXX XXXX XXXX send the funds? If not, who did?
7. What is the procedure for processing reimbursement of funds by TD Bank for my loss resulting from a misleading and failed investigation of my case # XXXX? When the store files a fraud intake form, the Fraud team will contact the customer on the issue, as mentioned above this occurred on XX/XX/2022.
FACT : You did not answer the question. XXXX. XXXX XXXX XXXX contacted me on XX/XX/2022. He was not aware of the investigation Ive referred to throughout this document.
I hereby request TD Bank reimburse me for the stolen money and instruct me as to the procedure for doing so.
Final Comment My final comment refers to the certified letter I sent to XXXX XXXX, Vice President/Regional Marketing Manager, XXXX XXXX XXXX XX/XX/2022, describing the scam in detail.
I was told by the XXXX TD Bank Branch staff that I would have to give them the letter to deliver to XXXX XXXX and later they told they would give him my telephone number and ask that he call me.
I found XXXX XXXX address and sent the certified letter to him on XXXX XXXX. I sent a copy of the letter to the Branch manager at the TD Bank in XXXX, MD.
Although I received confirmation via a U.S. Postal Service phone message ( XXXX with my tracking number ) my letter was delivered on XX/XX/2022, at XXXX XXXX, I did not receive the return receipt.
When I didnt hear from XXXX XXXX I called the U.S . Postal Service on XX/XX/2022 with my Return Receipt Tracking Number.
XXXX XXXX, the XXXX MD XXXX XXXX XXXX called me soon after to confirm XXXX XXXX mailing address. I confirmed and XXXX XXXX informed me the letter I sent was signed in the parking lot of the recipients address.
On XX/XX/2022, XXXX XXXX sent an email to me informing me my service request had been resolved ; they were unable to locate the letter and therefore it was not delivered as addressed.
I did not agree my service request was resolved. An USPS Employee delivered the letter. I wanted to know the details of the delivery and asked for the USPS manager responsible for providing the information. I did not hear from XXXX XXXX.
My experience with the letter to XXXX XXXX and all the facts I provided in this document led me to conclude I needed to consult with a higher authority. I reached out to the Federal Reserve Bank and was informed the Consumer Financial Protection Bureau ( CFPB ) was the government agency responsible for addressing my complaint. I sent my complaint to the CFPB and they forwarded it to TD Bank. TD Bank responded. This document is my response to TD Bank.
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| 05/06/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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Web |
Older American |
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XX/XX/XXXX XXXX XXXX XXXX TD Bank, Customer Experience Advocate Operations Center XXXX XXXX XXXXXXXX XXXX, ME XXXX Re : Summary of Events and Request for Information re : Complaint # XXXX Dear XXXX XXXX XXXX : This is the fourth complaint Ive submitted to the CFPB in an attempt to seek answerers to TDs system for addressing international wire fraud reported by their customers. On XX/XX/XXXX, I reported fraud shortly after the occurrence and was confident TD Bank with its Domestic and International Wire Fraud Division and Global and Security Investigations Division would stop the fraud and return the {$41000.00} stolen from my TD Bank account. Although I acted reasonably under the circumstances in reporting the fraud, I have been misled with confusing bank procedures, conflicting correspondence, and at times, lies.
The responses, from XXXX XXXX XXXX to my last two complaints, ignored the facts. I am sending this letter to you because XXXX XXXX responded each time by copying your letter with a couple of additions.
Below is a summary of events followed by XXXX XXXX response to my last complaint. He did not answer many of my questions. I trust someone at TD Bank can answer the questions.
Summary XX/XX/XXXX : I signed a Wire Authorization Form, International Outgoing Wire and received a Pre-Payment Disclosure at XXXXXXXX XXXX at the TD Bank Branch, XXXX, MD. The funds were to be held by TD Bank for 3-5 days to provide time to ensure there are no problems with the transfer.
I reported the scam to the Branch Manager within two hours of signing the Wire Authorization Form. She filed reports with TD Banks Fraud Division and later with TD Banks Domestic and International Wire Fraud Division, per my request. Both were filed by XXXX XXXX on XX/XX/XXXX.
XX/XX/XXXX : I provided information in response to questions from the Investigator, TD Banks Domestic and International Wire Transfer Division.
I worked with TD Banks Fraud Division to cancel my TD accounts and open new accounts. They were very helpful throughout the process.
It wasnt until XX/XX/XXXX, that the Senior Investigator, Global and Security Investigation Division, called from his NY office to follow up on the Fraud Report. He was not aware of the investigation by the Domestic and International Wire Fraud Division. After a brief talk he concluded everything was done correctly. He did not respond to my calls or emails after I sent information he agreed to discuss with me.
XX/XX/XXXX : I called the Branch Bank, as suggested by the Branch Manager, to check the status of the investigation and was told the investigators have the information they need, and the case is still open.
I received a Receipt from TD Bank, XXXX XXXXXXXX XXXX, dated XX/XX/XXXX, at XXXX XXXX stating the funds were sent to the recipient ( XXXX XXXX ) at XXXX XXXX XXXX ( pick-up location ) and would be available XX/XX/XXXX.
Note : The funds were sent to the Beneficiary on XX/XX/XXXX, at XXXX XXXX only eight minutes after I signed the Wire Authorization Form at XXXX XXXX, not enough time for the Branch Manager to review and approve the transaction as she told me, given she was helping another customer, as I exited the bank. See Question # 7 0n pg. 5 for additional information.
I also received a letter from TD Bank ( no date or Bank location ) stating This letter serves as notification of the Outgoing Wire Transferon XX/XX/XXXX listing XXXX XXXX ( Beneficiary ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXXBank to Bank Information : XXXX Other Payment Error Correction*was stated at the bottom of the letter.
Note : I called the TD number XXXX in the letter to ask the status of the investigation and was told my funds were with the Federal Reserve XXXX the agency that works with TD Bank and the XXXX XXXX to resolve the problem. That was a lie. I called the Federal Reserve and was informed they dont get involved in such cases.
On XX/XX/XXXX : The Branch Manager called to inform me she received notice that my funds had been withdrawn by the beneficiary and are no longer available.
Note : Funds were to be available to the Beneficiary on XX/XX/XXXX, according to the Receipt described above, dated XX/XX/XXXX. Following is the excerpt from XXXX Wire Transfer Investigations the Branch Manager referred to when she told me my funds were no longer available : PLEASE BE ADVISED WE HAVE RECD THE BELOW MSG FROM BENE BANK QUOTE IN YR CASE, WE TRIED TO CONTACT OUR CUSTOMER SEVERAL TIME BUT WE COULD NOT REACH HER FROM CONTACT DETAILS GIVEN TO OUR BANK. AND NOW THE FUNDS HAS BEEN WITHDRAWN FROM THE A/C. NO BALANCE REMAINING. WE REGRET BEING UNABLE TO ASSIST FURTHER. FOR FURTHER RECALL FUNDS PLS ADVISE REMITTER TO CONTACT BENEFICIARY FOR DIRECT SETTLEMENT. WE CLOSED OUR FILE. END QUOTE. PLEASE QUOTE OUR REF XXXX IN ALL CORRESPONDENCE RELATED TO THIS INVESTIGATION.
Note : TD bank representatives repeatedly claimed, Our wire team has done everything possible to try to recover the funds. They describe everything possible as the Investigator sending an email out to the store to submit a fraud intake form and a recall for the Wire via their Correspondent Bank. The recall for the wire was sent to a beneficiary bank that does not honor recall notices but rather advises the remitter to contact the beneficiary ( an accomplice to the scam ) for direct settlement.
On XX/XX/XXXX : In an attempt to resolve this case at the local level I requested the name and contact information for the TD Bank Regional Manager responsible for overseeing the Branch Banks in Maryland. The Branch staff gave me his name and told me I would have to give my letter to them to forward to him. I found his address and sent the letter certified mail. The challenges I faced after mailing the letter are described in the first complaint submitted to the CFPB.
Questions from complaint # XXXX and XXXX XXXX responses 1. Where did the funds go immediately after withdrawal from my checking account? The wire was sent out immediately to the Beneficiary as you instructed.
XXXX XXXX : I did not instruct TD Bank to send the funds to the Beneficiary immediately. I was told the funds would be held for three to five days before sending to the Beneficiary.
Why werent the funds held for three to five days before sending to the Beneficiary, as I was told by the bank attendant?
Did the funds go to XXXX XXXX XXXX on XX/XX/XXXX? If so, did XXXX XXXX Bank receive the recall request? Why didnt they stop the transfer?
2. What role does XXXX XXXX have in TD Banks International Wire Transfers? XXXX XXXX is our correspondent bank. Every bank has a correspondent bank while sending an international wire.
XXXX XXXX : I know XXXX XXXXXXXX XXXX is TD Banks correspondent bank. XXXX XXXX is also identified as the Receiver Bank in TD documents.
What role does XXXX XXXXXXXX XXXX have in TD Banks International Wire Transfers?
Did XXXX XXXXXXXX XXXX send the funds to the beneficiary bank? If so, did they decide when the funds were sent?
3. What role, if any, does the Federal Reserve have in TD Banks International Wire Transfers? The wire process via the XXXX XXXX system or via XXXX XXXX system. The Federal reserve has nothing to do with a wire.
XXXX : As previously noted, I called XXXX on XX/XX/XXXX, with questions about a letter I received stating the funds had been sent to XXXX XXXXXXXX XXXX XXXX referred to as the Receiver Bank ). I asked the status of the funds. After a lengthy time on hold, the TD Bank employee returned to tell me the funds were with the Federal Reserve, the agency that works with TD Bank and the XXXXXXXX XXXX to resolve the problem. I called the Federal Reserve and was informed they dont get involved in such cases. Based on this and previous contacts with TD employees I suspect there was a cover-up.
Has TD Bank investigated the false information I was given throughout what I was led to believe was an investigation of the case?
4. Who are the parties in the attached NARRATIVE, namely the XXXX, We and Your? TD Bank is the bank who initiated the wire, and our correspondent bank is XXXX XXXX.
XXXX, XXXX : I know TD Bank is the bank who initiated the wire and XXXX XXXX XXXX is the correspondent bank.
Note : XXXX sent the Narrative received by TD Bank on XX/XX/XXXX, and are identified as XXXX wire transfer investigations. XXXX acknowledged receipt of your cancellation request dated XX/XX/XXXX concerning your payment for USD XXXX dated XX/XX/XXXX. The funds were paid XX/XX/XXXX confirming the false information I received by TD employees throughout what I was led to believe was an investigation of the case and contradictory to written communication I received from TD Bank stating funds would be available XX/XX/XXXX.
Who is XXXX and what was their role in the investigation?
Who is Your, referred to as the payer and the sender of the cancellation request?
Both XXXX XXXX and the Beneficiary Bank are referred to as the receiver bank.
Who is the receiver bank?
5. When and by whom were the funds sent to and received by the XXXX XXXX XXXX? The funds were received by the Beneficiary that the wire was sent to, we received an incoming XXXX message on XX/XX/XXXX, that the funds have been withdrawn and there were no funds in the account therefore the correspondent bank closed their case, in turn we must close our case.
FACT : You did not answer the question. I see from the Narrative sent by XXXX Wire Transfer Investigations the funds were received by the XXXX XXXX XXXX the same day I initiated the request for the wire transfer.
If the funds were sent from TD Bank to XXXX XXXXXXXX XXXX, as I was told, did XXXX XXXX XXXX send the funds? If not, who did?
6. What is the procedure for processing reimbursement of funds by TD Bank for my loss resulting from a misleading and failed investigation of my case # XXXX? When the store files a fraud intake form, the Fraud team will contact the customer on the issue, as mentioned above this occurred on XX/XX/XXXX.
XXXX XXXX : Once again, you did not answer the question. Sr. Investigator XXXX XXXX contacted me on XX/XX/XXXX. He was not aware of the investigation Ive referred to throughout this document. What is the procedure for processing reimbursement of funds by TD Bank?
I was tricked by the scammers into making the payment. I had a reasonable basis to believe the payment I made was for a legitimate reason and the business was legitimate. I reported the scam on XX/XX/XXXX, within two hours of initiating the transfer and was confident TD Bank had a system in place to prevent fraud. I received information over the next six days confirming my belief in TD Banks ability to prevent fraud until on XX/XX/XXXX, the Branch Manager called to tell me the funds had been withdrawn. If TD had adopted new rules of conduct in XXXX as had other banks they would have invested in a system to prevent fraud and help those of us who have fallen victim to fraud.
XXXX XXXX added and answered the following two questions to my list, thus implying I asked the questions.
7. When was the approved processed? The wire was approved the same day as the wire being initiated. At the time the wire was processed you were provided copies of the wire documentation. On Page 3 of the wire documentation that the customer received states : You have the right to cancel a remittance transfer within 30 minutes of payment of the transfer and obtain a refund of all funds paid.
XXXX XXXX : How could I have cancelled a remittance transfer within 30 minutes of payment of the transfer and obtain a refund of all funds paid if funds were sent immediately ( within 8 minutes ) to the Beneficiary?
8. Were there enough funds in the account at the time of the wire being submitted to process the wire? At the time of the wire there were adequate funds in the account to cover the dollar amount of the wire. No funds were transferred by a TD Bank employee into the account. At the time of the wire the balance in the checking account ending in XXXX was {$47000.00}.
XXXX XXXX : Funds for the transfer were to be deposited to my checking account by XXXX XXXX, as I told the bank attendant. The morning of XX/XX/XXXX, the scammers required that I report if the funds had been deposited to my checking account. I monitored the account throughout the morning. When I returned home from the bank I saw {$42000.00} had been transferred from my savings account to my checking account. The Branch Manager told me it is the banks procedure to pull funds from one account to cover shortfalls in another account.
If a TD employee did not pull funds from my savings account and deposit into my checking account, how did the transaction occur online? By whom?
Over the past six months I have provided details of my experiences and asked questions of TD Bank to help me understand the confusing and conflicting information I received from them in processing and following up on a wire transfer request I submitted on XX/XX/XXXX, at the XXXX, Maryland Branch of TD Bank.
Your answers to the questions in my first complaint were gathered from sources either unfamiliar with my case or, as I suspected, were covering up the truth. Most of the responses were incomplete or incorrect. I responded with the facts and highlighted what I saw as questionable business practices.
My responses to XXXX XXXX letters is similar to my response to the first letter given he copied your letter with a few additions and edits. He repeated the same incomplete or incorrect answers and ignored the facts. I am sending this letter to you and trust someone at TD Bank will answer my questions. Thank you, in advance, for your assistance.
Sincerely, XXXX XXXX XXXX
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| 09/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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The creditor as fiduciary reached good faith and fair dealings with agreements crafted by a corporation 's unlawful practice of law with the intent of unlawfully converting the subrogee 's chose-in-action and wilfully and knowingly deprived equitable interest, rights and ownership of the chose-in-acton when requested. The creditor/subrogor and collection agent turned a blind eye to the previous notices of subrogation and equitable interest with the most recent being XXXX. In the process Adverse action was taken by the creditor for attempting to assert my rights, the account was closed when rights to interest and redemption were communicated. One who seeks equity must do equity. Equity will not suffer a wrong without a remedy. Equity follows the law. Principal and Agent are vicariously liable for the other.
In this era when credit has become one of the instrumentalities of business to which men pay homage, intangible property rights must be considered when conversion is discussed. Stocks, bonds, evidences of debt, debentures, insurance policies, contracts and other choses-in-action play a prominent role in present-day credit economy. Conversion has been defined as a " wrongful interference over personal property, inconsistent with or in denial of the dominion of the person entitled to possession thereof. It is " any dealing with the property of another which excludes the owner 's dominion. '' The gist of conversion is the unauthorized assumption of the powers of the true owner. '' A " chose in action '' is a personal right not reduced to possession. For example, shares of stock, and debts represented by negotiable instruments and savings bankbooks are all choses in action. They are personal property rights, not reducible to immediate tangible possession, not capable of physical delivery ; but recoverable only in an action at equity or law.
Trover action will lie for the wrongful conversion of ... bonds, or other securities for the payment of money. This is true with regard to both negotiable and non-negotiable bonds. Even where bonds have been stolen, and a forged indorsement used to obtain new bonds from the corporation, the owner was allowed to recover the bonds from an innocent third party into whose hands the bonds had come. A bond being evidenced by a tangible writing, the courts have no trouble in finding the necessary dominion to allow an action for conversion. '' The underlying debt is immediately converted on the wrongful taking of a negotiable bond, and may be generally assumed to be converted in the case of a non-negotiable bond.
Trover is a legal action that a property owner can take to recover the value of personal property that was wrongfully taken. The plaintiff must show that they had title or possession of the property at the time the action was filed. The plaintiff can sue the person who first converted the goods, or anyone else to whom the goods were delivered. Trover is different from other remedies for wrongful taking because the plaintiff only recovers the value of the property, not the property itself. The plaintiff can sue the person who first converted the goods, or anyone else to whom the goods were delivered. Today, the tort of conversion has subsumed both trover and detinue, and a plaintiff can request legal relief ( money damages ) or equitable relief ( return of property ). XXXXee, e.g. Burgess v. Small, 117 A.2d 344 ( Me. 1955 ) It has been well settled beyond controversy under the power to borrow money on the credit of the United States, and to issue circulating notes for the money borrowed; when XXXX borrowed We The Peoples private credit, it created a sovereign redemption and subrogation right in We The People and a breach of trust by the subrogors and mortgagees when they clog the We The Peoples right to redeem their collateral borrowed and the securities created on account by indorsement and interfere in commerce. It is against equity for freemen not to have the free disposal of their own property and financial assets.
NOTICE. I am aware, pursuant to Title 15 U.S.C. 78c, Section 10 the term security means any note, stock, treasury stock, security future, security-based swap, bond, debenture, certificate of interest or participation in any profit-sharing agreement or in any oil, gas, or other mineral royalty or lease, any collateral-trust certificate, preorganization certificate or subscription, transferable share, investment contract, voting-trust certificate, certificate of deposit for a security, any put, call, straddle, option, or privilege on any security, certificate of deposit, or group or index of securities ( including any interest therein or based on the value thereof ), or any put, call, straddle, option, or privilege entered into on a national securities exchange relating to foreign currency, or in general, any instrument commonly known as a security ; or any certificate of interest or participation in, temporary or interim certificate for, receipt for, or warrant or right to subscribe to or purchase, any of the foregoing ; but shall not include currency or any note, draft, bill of exchange, or bankers acceptance which has a maturity at the time of issuance of not exceeding nine months, exclusive of days of grace, or any renewal thereof the maturity of which is likewise limited. The promise to pay or promissory note with a maturity longer than nine ( 9 ) months created in this transaction is a security ; NOTICE. DEBT INSTRUMENT. In general Except as provided in subparagraph ( B ), the term debt instrument means a bond, debenture, note, or certificate or other evidence of indebtedness. Title 26 USC 1275 ( a ) ( 1 ) NOTICE. BOND. The term bond includes any obligation. Title 26 USC 150 ( a ) ( 1 ) ; NOTICE. BENEFIT. This word is used in the same sense as gain ( q. v. ) and profits. ( q. v. ) 20 Toull. N. 199 ; NOTICE. BENEFICIARY. This term is frequently used as synonymous with the technical phrase cestui que trust. ( q. v. ) ; NOTICE. BENEFICIAL INTEREST. That right which a person has in a contract made with another, as if A makes a contract with B that he will pay C a certain sum of money, B has the legal interest in the contract, and C the beneficial interest. Hamm. on Part 6, 7, 25 2 Bulust. 70 ; NOTICE. I am aware, pursuant to 17 CFR 240. 13d-3. ( b ) Any person who, directly or indirectly, creates or uses a trust, proxy, power of attorney, pooling arrangement or any other contract, arrangement, or device with the purpose of effect of divesting such person of beneficial ownership of a security or preventing the vesting of such beneficial ownership as part of a plan or scheme to evade the reporting requirements of section 13 ( d ) or ( g ) of the Act shall be deemed for purposes of such sections to be the beneficial owner of such security ; essentially the right to subrogation to the securities has been deprived ; NOTICE. I am aware, pursuant to 17 CFR 240.8c-1 Hypothecation of customers ' securities ( a ) General provisions. No member of a national securities exchange, and no broker or dealer who transacts a business in securities through the medium of any such member shall, directly or indirectly, hypothecate or arrange for or permit the continued hypothecation of any securities carried for the account of any customer under certain circumstances ; NOTICE. I am aware, pursuant to Title 18 U.S. Code 1348 Whoever knowingly executes, or attempts to execute, a scheme or artifice ( 1 ) to defraud any person in connection with any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; or ( 2 ) to obtain, by means of false or fraudulent pretenses, representations, or promises, any money or property in connection with the purchase or sale of any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; shall be fined under this title, or imprisoned not more than 25 years, or both ; NOTICE. 18 U.S. Code 1956 - Laundering of monetary instruments ; NOTICE. Use of the Beneficiarys Private Credit for the extension of credit or choses-in-action by indorsement, creating securities as an accommodating party establishes an implied TRUST IN INVITUM raised by operation of law without the consent of the trustee. Such a Trust Arises where Goods have been stolen or Converted to the Use of the TAKER and sold, with respect to the PROCEEDS, whether such proceeds are in the form of money or other property purchased therewith, and equity will in such cases enforce a Trust In Invitum in the original taker or in his assignee with NOTICE. Likewise, where a TRUSTEE or OTHER FIDUCIARY has Misapplied Trust Funds a like Trust will be RAISED. Where a trust fund has been perverted, the cestui que trust can follow it at law as far as it can be traced. - United States v. State Bank, 96 U.S. 30 ( 1877 ) NOTICE. When it comes to accounts Article 9 of the Uniform Commercial Code has always applied to the sale of accounts. Revised Article 9 continues this rule in North Carolina 25-9-109 ( a ) ( 3 ). Former Article 9 defined accounts to include payment obligations arising out of only the sale of goods or the provision of services. Under the former law, this left many kinds of payment rights within the definition of general intangible. The sale of these types of payment rights often serves as a financing transaction, but former Article 9 did not apply to these transactions. Revised Article 9 broadens the definition of accounts to include : Payment obligations arising out of the sale, lease or license of all kinds of tangible and intangible personal property ( for example, account will include license fees payable for the use of software ), and Credit card receivables.
The sale of a payment intangible often functions as a financing transaction. Revised Article 9 brings certainty to these transactions by bringing the sale of a payment intangible into the scope of Article 9. However, to permit financial institutions that sell loan participations to avoid Truth is expressed in the form of an Affidavit. having a UCC-1 financing statement filed against them as debtors, Article 9 provides for the automatic perfection of a security interest created upon the sale of a payment intangible ( but not a security interest in a payment intangible given to secure an obligation ). G.S. 25-9-309 ( 3 ).
NOTICE. EQUITY CONCERNS ITSELF WITH SUBSTANCE AND NOT FORM. Equitable Subrogation is forward-looking rooted in the equity maxim... equity regards done what ought to be done. Equitable subrogation is not founded upon contract, but is the creation of equity, and is enforced solely for accomplishing the end of substantial justice. It is the mode by which equity adopts to compel the ultimate payment of a debt by one who, in justice and good conscience, ought to pay. Equity delights in equality. Equity knows no time. Equity aids the vigilant, not those who slumber on their rights.
Truth is expressed in the form of an Affidavit. See XXXX. XXXX ; XXXX. XXXX ; XXXX. XXXX ; XXXX. XXXX ; XXXX. XXXX ; XXXX XXXX. An un-rebutted affidavit stands as truth in commerce, equity, admiralty, XXXX XXXX and public policy. XXXX XXXX XXXX. XXXX ; XXXX. XXXX. Legal maxim : He who does not deny, admits. An un-rebutted affidavit is acted upon as the judgement in commerce, equity, admiralty, XXXX XXXX and public policy. XXXX XXXX. XXXX. Any proceeding in court, tribunal, or arbitration forum consists of a contest, or duel, of commercial affidavits wherein the points remaining unrebutted in the end stand as the truth and the matters to which the judgment of the law is applied. A matter must be expressed to be resolved. XXXX XXXX. XXXX ; XXXX. XXXX ; XXXX. XXXX. Legal maxim : He who fails to assert his rights has none.
Ultimately the Subrogors actions amount to holding the implied surety in peonage, debt slavery, debt bondage, and involuntary servitude, a severe form of human trafficking in persons.
I declare under a penalty of perjury the statement is accurate and true to the best of my personal knowledge.
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
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| 01/28/2022 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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Reference : Supporting Documentation for - Dispute Report XXXX, Generated XX/XX/XXXX. XXXX XXXX XXXX Account # XXXX Dear CFPB, I am submitting supporting documentation regarding the Formal Complaint I filed Without Prejudice on Friday, XX/XX/XXXX, at XXXX XXXX. via email to ( XXXX ) regarding ( TD Bank NA/TD Retail Card Services ). On the same day I received a response from; XXXX XXXX, XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX chairmansservicecenter @ td On XX/XX/XXXX, at XXXX XXXX., I had a missed call from someone by the name of XXXX XXXX not sure of the spelling ) claiming to be from TD Bank NA XXXX XXXX XXXX, ( see above ). The number did not match the number above for the Customer Complaints Office, instead it was a private number ( XXXX ). The Customer Complaints Office acknowledged safe receipt of my Formal Complaint, on XX/XX/XXXX, at XXXX XXXX via email. I phoned the number left by XXXX ; 1. He didnt answer TD Bank Complaints Office 2. He didnt provide a file or complaint reference number 3. He claimed to have my complaint in front of him, yet asked me what happened 4. He proceeded to add to my narrative with things I didnt say or write 5. I asked XXXX where his office was, he said Florida 6. I asked XXXX what department, he said he worked in the XXXX Department 7. He didnt inform me the conversation was being recorded but I could hear what sounded like a recorder, lots of beeping.
8. I told him I received a private text from a TD Bank employee/debt collector not related to debt collection and he asked for the name and number of that person. I told him I did not feel comfortable doing that and would have to consult with my attorney. He responded by saying Then I dont want to talk about it anymore if youre not going to provide me with that information.
TD Bank XXXX XXXX XXXX Timeline XXXX. XX/XX/XXXX, at XXXX p.m. complaint submission via email 2. XX/XX/XXXX, at XXXX a.m. XXXX XXXX XXXX acknowledged safe receipt of complaint via email 3. XX/XX/XXXX, at XXXX a.m. received a call from XXXX claiming to be from the XXXX XXXX XXXX 4. XX/XX/XXXX, I received an update from XXXX my dispute has been resolved This is neither feasible or logical, not to mention possible and makes absolutely no sense. The probability of a Formal Complaint like mine with so much content and details could be resolved in less than ( 10 ) days.
TD Bank has failed in their duty of care regarding my Consumer and Civil Rights from start to finish. They have been ; 1. Deceitful 2. Egregious 3. Blatant 4. Purposely Mis-leading 5. Abominable 6. Nefarious 7. Rude 8. Intrusive 9. Combative 10. Disrespectful 11. Faulty 12. Mean 13. Fraudulent 14. Double-dealing 15. Malicious 16. Untrustworthy, untruthful 17. Insidious 18. Ambiguous 19. Unempathetic This is unacceptable considering for more than ( 2 ) plus years I have been a loyal customer, never late and never having missed a payment. In addition and considering TD Bank offered to help ALL those affected by the COVID-19 Pandemic which did not apply to me and is discriminatory no matter the reason, which has caused me significant mental and health problems as a result.
The following is a recap of events 1. I phoned TD Card Services on XX/XX/XXXX and explained due to the COVID-19 Pandemic I had suffered a substantial decrease in my business revenue and struggling to pay my monthly payment of ( {$250.00} ) a month. Whilst I paid XXXX payment I asked if I could have a deferment and was told NO, when asked why I was told I already had one and TD Bank NA only allows ONE. When I asked if TD Bank had any other Hardship Programs available under the CARE ACT I was told NO. At the time of that phone call, I was CURRENT with my account having never been late or had any missed payments.
A. Please see the CARE ACT AMENDED FCRA Signed into FEDERAL LAW by then President Trump in XX/XX/XXXX.
B. Please see copies of several TD Bank web pages regarding their commitment to customers during the COVID-19 Pandemic, including but not limited to ; a. Deferments b. Forbearance Programs c. The Workout Program d. Hardship Program 2. I phoned TD Card Services on XX/XX/XXXX, because my payment was due the next day XX/XX/XXXX and again ask if TD Bank had any COVID-19 Pandemic programs that could help me because my business continued to struggle due to loosing 98 % of my customer base and business income because of the COVID-19 Pandemic, and again was told NO. Again, under the CARE ACT I was in good standing, having never missed or late with my payment. I asked if I should close my account and was told I could, and the agent closed it during the conversation. I wasnt offered any other alternatives and or advice regarding my account and requested to speak to someone else and was subsequently transferred to customer service. A customer service representative with a very heavy Spanish accent came online and I again explained my situation and asked for deferment and was again told NO. I asked if there were ANY other programs available to me and was told I could apply for the Forbearance Program, she explained ; a. The program would entail, dividing the balance on the account at the time, ( {$5500.00} ) divided by ( 60 ) months the maximum allowed by TD Bank and my payments would be ( {$92.00} ) a month.
b. I told her I could afford that as opposed to my regular payment of ( {$250.00} ) and wanted to move forward with the process.
c. The customer service representative put me on hold to get a manager/supervisor and tried several, but no one was available.
d. The customer service representative apologized and told me she noted my account with everything we spoke about and would send an email to the manager/supervisor regarding the Forbearance Program and told me a SUPERVISOR in that department would call me within 24 hours and 1-3 days at the most.
Again, my account at the time of the above conversation was not in DEFAULT nor was it DELIQUENT. I waited ( 24 ) hours, ( 48 ) hours, ( 72 ) hours and did not receive a call from a SUPERVISOR from the FORBEARANCE DEPARTMENT, until ( 720 ) hours later, ( 30 ) days later. After completing the application with the agent, I was DENIED after waiting and having called to many times to count to resolve this issue. During one of the many calls to TD Card Services I was transferred to Foster in accounts and again explained my situation and asked ; a. If TD Bank participated in any CARE ACT programs and got no response b. Foster told me it was TD Banks responsibility to report my account DELIQUENT regardless of any circumstances.
c. I explained I waited ( 30 ) days for a SUPERVISOR in the FORBEARANCE DEPARTMENT to call me back and had I received a call when TD Bank said I would I had enough income to qualify for the program.
d. When I asked for call recordings to substantiate my claim Foster told me I couldnt have them, when asked why he told me its in the agreement I signed when I opened the account.
Furthermore, TD Bank has violated the following CFPB, FTC, Consumer Right/s Federal and NC Laws ; a. 75, 52 Harassment b. 75 54, Deceptive Representation c. FDCPA, 805 Communication in Connection with Debt Collection 1. ( 8 ) Communicating with the consumer in violation of the provisions of G.S. 62 159.1 ( a ), 153A 277 ( b1 ), or 160A 314 ( b1 ). ( 1977, c. 747, s. 4 ; 2009 302, s. 5 ; 2015 177, s. 3. ) C. FDCPA - 809. Validation of debts 1.
D. No debt collector shall collect or attempt to collect a debt or obtain information concerning a consumer by any fraudulent, deceptive, or misleading representation. Such representations include, but are not limited to, the following : E. ( 1 ) Communicating with the consumer other than in the name ( or unique pseudonym ) of the debt collector and the person or business on whose behalf the debt collector is acting or to whom the debt is owed.
F. ( 2 ) Failing to disclose in all communications attempting to collect a debt that the purpose of such communication is to collect a debt, unless the communication is made to a third party pursuant to G.S. 75 53 for the purpose of obtaining location information about the debtor G. ( c ) CEASING COMMUNICATION. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except- H. ( 1 ) To advise the consumer that the debt collector 's further efforts are being terminated ; I. 15 USC 1692e, 807 15 USC 1692e, ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
J. ( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization.
FDCPA - 809. Validation of debts ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing- ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original credit- 15 USC 1692g ( e ) The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by the Internal Revenue Code of 1986, title V of Gramm-Leach-Bliley Act, or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. 810. Multiple debts If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumer 's directions. 15 USC 1692h After closing my account, I would receive approximately ( 3 ) debt collection calls and several Robo calls a day whilst waiting for the Supervisor from the Forbearance Department. On one of those calls I received a call from XXXX, ( not positive about name ) and asked the agent to please stop talking for a minute because I didnt feel well and wasnt up to talking at the moment, I told him I wasnt well and he was scaring me and I was extremely uncomfortable with his tone, aggression and obtuse nature. He wouldnt stop or offer to call me back, eventually I BEGGED him to stop and had to hang up.
On XX/XX/XXXX, at XXXX p.m. I received a text message from a private number I didnt recognize but later confirmed it was from a TD Bank XXXX ( employee/debt collector ).
a. Is this XXXX XXXX?
b. I would never done this, but The Father told me to send you this, I will always be here for you XXXX!
The text message was unsolicited and a Violation of my Right to Privacy.
Many thanks, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX Dispute ) XXXX, CFPB, North Carolina Attorney Generals Office
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| 06/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I opened an account with TD Retail Card Services via XXXX XXXX on XX/XX/XXXX to finance a phone. I never received any information on this account. I still have no documentation or the physical card, despite telling multiple customer service representatives this. I moved at the end of XXXX, but I also had mail forwarding and the mail notification system on, so even if it was sent late, it wasnt sent. On XX/XX/XXXX, I got a notification that my credit had a late payment reported. I went and looked because that was very strange, as I am pretty neurotic about paying bills. I saw it belonged to TD Retail Card Services. I called the customer service line, as I had no way to access the account to pay - I didnt even have the account number. ( I still have not received any information, paperwork, or cards for this account, beyond my account number. ) I saw late fees had accumulated as well. I went ahead and updated my address verbally with the customer service agent at this time to make sure I got all future correspondence. The representative asked if I would like to make a payment, I let her know I would make a payment when I got paid on XX/XX/XXXX. On XX/XX/XXXX, I made a payment of {$230.00} toward the XXXX statement. On XX/XX/XXXX, I had {$980.00} in my account, which is more than enough to cover the payment. I also never got a notification to my phone from my bank that it was declined, which I receive with every declined purchase.
When I looked into the declined charges with my bank, they had no record of the declined payment. I was never notified of this, and I was charged a returned check fee, despite it being a direct pull, not a check. At the end of XXXX, I noticed the declined payment. I thought it was weird for the reasons previously mentioned, but it wasnt worth the hassle, so I waited until I got paid, as XXXX was tighter financially, so I could pay it in full again. On XX/XX/XXXX, I paid {$280.00}. On XX/XX/XXXX, I had {$870.00} in my bank. I went to pay my monthly payment in XXXX, and I saw it had also been declined, according to the invoice provided by XXXX XXXX XXXX XXXX, and all of these had been reported to my credit agency. Unfortunately, I never was contacted again. The TD Retail Card Services phone system that customers can make payments through still says it went through. I contacted TD Retail Card Services on XX/XX/XXXX to discuss this, as it was weird that it had happened twice. Finally, on XX/XX/XXXX, a man by the name of XXXX XXXX of XXXX, Florida, who called from XXXX and claimed to be a representative of TD Retail Card Services. I was very sick that week, so I returned his call on XX/XX/XXXX.
During our call, XXXX said he had mailed me a letter since he hadnt heard back - had I seen it? I said I hadnt yet received it. Looking back at my invoice, it is my old address that is on all my invoices, including after speaking to XXXX XXXX and giving my current address. I let XXXX XXXX know my address had been previously updated when I spoke to the last customer service representative, and he said it didnt matter because I had enrolled in virtual billing by the time I spoke with him. However, this still meant that if invoices were sent, they were sent to the wrong address. I let XXXX XXXX know that I work some nights and work a lot, so I hadnt yet been able to call him back until then. To my recollection, he did not notify me that the recording regarding the debt was being recorded, nor that it was an attempt to collect debt. XXXX XXXX said he looked into my claim that the returned check fees were correct and had concluded that it wasnt an error on TD Retail Card Services. He wouldnt expand any further or provide documentation. XXXX XXXX said he couldnt help me further. I verified verbally that it wasnt my bank ; he told me that it must be. He said he saw I had been called. I told him I hadnt, but asked for the phone number to verify. XXXX XXXX gave me the phone number and it had been the caller who had been calling me XXXX times a day since XX/XX/XXXX and just stayed silent every time I answered and didnt leave a voicemail. After that phone call, I did more digging and talked to my bank and looked at statements. My bank has no history or documentation of declined payments. The XX/XX/XXXX statement reflects my payment made on XX/XX/XXXX. The XX/XX/XXXX statement was sent to me on XX/XX/XXXX at XXXX PM. There is no mention of the payment bouncing, and the statement 's new balance reflects the payment. This statement is for the billing period of XX/XX/XXXX to XX/XX/XXXX. The next statement, sent to me on XX/XX/XXXX at XXXX pm, shows a returned check fee. I was never notified of this, other than this XX/XX/XXXX statement, which was for the billing period of XX/XX/XXXX to XX/XX/XXXX. At the time of the statement, the payment was already considered late, as the payment was due XX/XX/XXXX. XXXX XXXX claimed that this counted as notification of the bounced payment, despite it being too late to fix anything at that point. I asked him what I could do to dispute further or who I could talk to that was higher than him. XXXX XXXX said I had done all I could and that there was no one higher than him.
Despite XXXX XXXX claiming he spoke with my bank, XXXX Bank, and confirmed the declined transactions, XXXX Bank has confirmed no one can see declined transactions past 24 days prior. This means XXXX XXXX could not have discussed confirmed the declined transactions with my bank, XXXX Bank, like he claimed to me and in my file, as it was not possible. To review, my first claim was acknowledged as received and being worked on on XX/XX/XXXX at XXXX AM. 24 days prior to this date was XX/XX/XXXX. XXXX XXXX did not contact me until XX/XX/XXXX at XXXX PM. So even if XXXX XXXX contacted my bank that day, XX/XX/XXXX, he couldnt have discussed either the bounced amount from XX/XX/XXXX or XX/XX/XXXX. I also confirmed with XXXX Bank that they keep documentation of contact from credit card companies regarding clients, and they have none from TD Bank, TD Retail Card Services, or XXXX XXXX himself. XXXX Bank also verified they would need my permission to discuss my account with any outside party, which includes, but XXXX XXXX to, XXXX XXXX and XXXX XXXX XXXX XXXX. I would like to note that XXXX XXXX verified to me verbally that he did, in fact, discuss this with my bank. This was confirmed to be in my TD Retail Card Services account by a separate customer service representative.
TD Retail Card Services has also violated the Fair Debt Collection Practices Act by harassing me via phone call. They have called me XXXX times a day almost every day since XX/XX/XXXX from the number XXXX. XXXX XXXX, a TD Retail Card Services representative, confirmed this was TD Retail Card Services calling. However, every time I answered, no one would speak, and when I missed the calls, they wouldnt leave a voicemail. I work some night shifts, which I did share with XXXX XXXX, and this has disrupted my sleep. This has also disrupted my work day. As of today, XX/XX/XXXX, I have been called by this number XXXX times since XX/XX/XXXX. The calls started as usually XXXX calls per day, sometimes XXXX, then grew to be consistently XXXX times a day. I have received no voicemails from this number. TD Retail Card Services has also sent invoices, per them, to the wrong address at least once, as my address was never updated on my invoices. Every invoice to date has the incorrect address on it. I have also made written requests for validation of all these charges, and they are continuing to contact me, while also not providing me with validation other than XXXX XXXX XXXX. XXXX XXXX refused to provide documentation and just kept telling me he looked into it.
On XX/XX/XXXX, I gracefully offered arbitration instead of going directly to suing, as I had already consulted with an attorney and they recommended starting with an attempt at arbitration, then pursuing further legal action if it was declined. At this point, I am willing to make a deal, which will be required to be in writing and my legal team will review before I sign it. I will pay what I owe, which is {$740.00}, in full by XX/XX/XXXX. I will also pay an additional {$100.00} out of good faith, for a total of {$840.00}. You will remove the late payments from my credit. I will forfeit ability to open an account with you again. How this will benefit you is I will not post on social media about this period I can sign a XXXX if you would like. I also will not pursue legal action. You all will receive the {$740.00} I truly owe and the {$100.00} and will not have to deal with me again, nor will have to deal with a lawsuit ( possible class action ) or the reaction on social media. I will not make any more reports to any agency, including but not limited to the FTC or consumer financial protection bureau. This will benefit me as the false report to my credit will go away, I will not have to take the time off from work to pursue legal action, including but not limited to your clerical errors or violations of the Fair Debt Collection Practices Act, and the harassment will stop. However, my attempts at arbitration were avoided by TD Retail Card Services employee, XXXX XXXX, who refused to discuss this with me and chose to call me at a time he knew I would be unavailable on XX/XX/XXXX at XXXX PM, then closed the case on XX/XX/XXXX, per the customer service representative I spoke to on XX/XX/XXXX, and wouldnt answer his phone. His voicemail was full as well. He waited XXXX days prior to closing with only XXXX attempt at connection ( without telling me via voicemail he would do so ), knowing I wasnt available to return his call, as it was explicitly stated that it was not my best mode of communication due to my work hours, but I would call him back. I did see on my statement I could call TD Retail Card Services to figure out a mutually beneficial agreement because this has been very stressful. XXXX XXXX would not answer his phone and his voicemail is full. I tried calling another representative, XXXX, but it was just a bunch of transferring that led no whe prior to speaking with me on XX/XX/XXXX, even though I notified XXXX XXXX that I would call him back when I could and a better way to contact me was via email due to my work schedule ( emergency medicine ) not permitting me time to do so until today, XX/XX/XXXX. XXXX had called on XX/XX/XXXX. XXXX also was called by another customer service agent I spoke to on XX/XX/XXXX named XXXX, and she was unable to reach him as well. XXXX directed me to the XXXX XXXX XXXX XXXX line and assured me someone there would be able to help me. I was forwarded to another Customer Care Line, where the representative continued to say XXXX looked into it and he couldnt help me further, per my record. He also said that the only way to get late payments off credit reports is to dispute the late payment at each credit bureau, and that TD Retail Card Services is unable to remove any late payment charges. Not unwilling - unable. This was something that XXXX XXXX had also said during our first conversation. Per the law, this is untrue and was deceptive in nature. This conversation was recorded by TD Bank, as well as myself.
Additionally, despite myself telling TD Retail Card Services that I had spoken to legal aid, they made no attempt to get any information for the legal aid and continued to communicate with me.
Until the XX/XX/XXXX statement, my credit limit had been {$2200.00}. In the XX/XX/XXXX statement, it appears TD Retail Card Services lowered my credit limit to {$620.00}, which is lower than the initial financing amount, even without the incorrect late charges and returned check fees.
Unfortunately, it appears I did have the money in my account, and per the XXXX I see I am not the only XXXX with this issue. Regardless, I did offer arbitration prior to suing and reporting. I thought it was fair for both sides, and saves us both a lot of time and money. However, all attempts to communicate and arbitrate have been avoided by XXXX XXXX, a representative of TD Retail Card Services.
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| 06/28/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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Complaint : Summary : This is about an active business account in good standing that has is in a situation of fraud and being negative {$54000.00}. TD Bank is being negligent and delaying the process to recover the significant amount of funds that our business to continue operating. There is a detailed timeline below.
We issued check # XXXX for {$54000.00} to one of our vendor XXXX XXXX, XXXX, but they did not receive the check. We believed it was due to a snowstorm that happened at that time so we issued another check # XXXX for the same amount. About a week later we discovered that both checks were cashed leaving our account negative about {$40000.00}. After investigation and getting copies of the cashed checks, we quickly saw that check # XXXX was intercepted, washed, and deposited to some other business 's account. The signature was wrong and the payee was different.
We were in XXXX at the time so we quickly called TD Bank 's fraud department to update them on this matter, but over several phone calls and days of calling, they kept 1. pointing us to other departments 2. leaving us on hold for over 1.5 hours or 3. hanging up on us. After getting a hold of the fraud department and telling them the situation the first time, I learned shortly after I made a follow up call, that they made a mistake on taking the notes on which check had been washed. They told me that the case has been resolved and that the bank was already sending the money back. This was false because the bank was returning check # XXXX that bounced. After a few more calls they finally got the story straight and was working on getting the XXXX department to handle it. Every time I did call to make a follow up they kept emphasizing that this may take up to 90 days to resolve.
After about 1.5 months of calling into the branch and to the fraud department someone was able to get the XXXX representative that was handling my case to give me a call. He called and told me that he had tried calling me several times and left messages, but this was the first time I had ever seen a missed call from his number and I had no voicemails. He requested more information and documents that I had provided to the fraud department via fax and certified mail from my attorney. He also emphasized that this may take up to 90 days after it has been over a month. I still emailed him everything that he asked for. A few weeks past and he doesn't respond so we send a letter demanding that they give us an update. He responds by saying that he is requesting again for the same documents that I had already sent him.
Now about 2.5 months in I call XXXX to see if she has any updates. She has been following up with the account and sees that XXXX XXXX has no update on the claim. She tries to contact XXXX to see if there is an update and shortly after a new person has been assigned to my account, XXXX XXXX. She gives me his contact after she had spoken with him. She also says that he has tried to call me several times, again I had no missed calls or voicemails from XXXX. I call him multiple times starting the same day I got his contact. It always goes to voicemail where I leave him messages. I have not received a call back since.
I follow up with XXXX and she says he has been responsive through emails. I tried sending him an email and the message got sent back.
At this point it has already been 3 months, I have had to take out loans to keep my business afloat. This is really hurting my business as I don't have enough capital to pay my vendors. I have utilized my business relationships to their maximum with being lenient on payments etc. This bank seems like it is just taking advantage of their customer 's patience.
Detailed Timeline : XX/XX/XXXX : We write check # XXXX to XXXX XXXX, XXXX for {$54000.00} XX/XX/XXXX : No updated on tracking for the check so we thought it might be lost or delayed in transit.
XX/XX/XXXX : # XXXX was debited but we didn't know. This time we also knew that there was a snow storm in XX/XX/XXXX : XXXX confirms that there is a snowstorm so XXXX sent out # XXXX for {$54000.00} XX/XX/XXXX : # XXXX was deposited XX/XX/XXXX : XXXX XXXX XXXX is negative ~ {$40000.00}.
XX/XX/XXXX XXXX ( 2 hours ) : - Talked to the fraud department and told her what happened with the checks and we confirmed that it was an intercepted check and that it was washed. We verified exactly which check because we went through the Payee 's name several times, and I confirmed with her I never wrote a check or had a vendor named XXXX XXXX XXXX. The girl on the phone walked me through the steps of what needs to be done : 1 ) Go into the branch and sign an affidavit stating that the check is fraudulent 2 ) Limited lockdown on the account 3 ) Go into the branch to initiate the creation of a new account and transfer all the funds over - I told her if it is possible for me to do all of this on the phone because I am in XXXX. She said not to worry about the funds because it looks like they already caught the check and the money is going back into the account already, but that we should still continue with the process of 2 ) and 3 ) which 1 hour later on the phone she said they could do by sending me the signature cards to open a new account.
- she put me on hold for 1 hour ( total of 2 hours now ) and then the system hung up on me.
XX/XX/XXXX : - I wanted to confirm that the funds were back in the account because I looked through my app and it had not returned yet.
- I called the fraud department and waited for 1 hour then the system hung up on me - I called the regular customer service department told them that my account had a fraud charge, so they sent me to the fraud department again, waited 30 minutes and system hung up on me.
- I called again to regular customer service and I couldn't verify the correct information so they locked me out of the account and told me I had to go into the branch and verify myself. I told them that's impossible bc I am in XXXX and I live in California is there another way to do this. She said no. I got upset and told them they have the worst customer service and then she hung up on me.
- I called customer service again to talk to a supervisor to tell them its urgent that they help me because I have a fraudulent charge of {$54000.00} on my business account and I need the funds. She said sorry only fraud department can help you with that. I said I have waited on the phone multiple times for 1-2 hours every time the system hung up on me. When I did have someone on the phone she put me on hold for 1 hour and never came back. I asked her if she thought that was ok. She said no. I asked her if she could do anything to help me. She said no and hung up on me.
- I tried calling the fraud department again waited for 20 minutes and quit trying.
XX/XX/XXXX - I tried calling the fraud department and quit after waiting for 30 minutes.
XXXX - I waited for them to open at XXXX EST and got a hold of someone - This girl confirmed that the previous representative made mistake noting that # XXXX was the fraudulent check even though I confirmed with the previous girl that The XXXX XXXX XXXX check number # XXXX was the fraudulent one.
- She added the notes in and made the correction. She confirmed then that the funds HAVE NOT been returned because it was # XXXX that was returned due to insufficient funds.
- She told me I had to go to the brand to do the steps above. I told her I can't due to being in XXXX. She said the only way is to mail me the affidavit and signature cards to the mailing address on file. I said ok I'll do that.
- I asked her if we will get our money back and when. She said money will 100 % come back, but it could take up to several months and it depends on when they get the affidavits so they could start the investigation.
- I asked her to make a note on my account to recover the funds ASAP because the business needs to expense the money.
- She told me since the account is on lockdown I will need to notify them of any outgoing payments.
- I told her that we will issue checks : # XXXX - {$40000.00} - XXXX XXXX XXXX.
# XXXX - {$5600.00} - XXXX XXXX XXXX We received the documents sent to the store. These documents they requested we fill out and mail back from them via mail or fax.
XX/XX/XXXX XXXX XXXX sends the all the documents including Affidavit and all the documents that TD Bank requested.
XX/XX/XXXX Called to check on the status of the case. No information and notes that it could take up to several months to collect the money.
Told them to clear checks : # XXXX : {$780.00} to XXXX XXXX # XXXX : {$5600.00} to XXXX XXXX XXXX Called to Check on the status of the case. No information and notes that it could take up to several months to collect the money.
Told them to clear checks : # XXXX : {$620.00} ( This was the wrong amount by me but will adjust on ) # XXXX : {$780.00} to XXXX XXXX was actually written XX/XX/XXXX XXXX XXXX Call into the branch to speak with branch manager XXXX XXXX to see if he could give me an update. He tried calling and came back after a few minutes and said he cant get a hold of them and that he would continue to call until he got a hold of them and then call me when he does.
He doesnt call back.
XX/XX/XXXX XXXX XXXX from TD Bank from the XXXX department calls me by phone to request me to sign the affidavit form again because the copy they received is illegible. He says that he has tried to contact me several times with no answer. This is the first time I have ever heard from him. Maybe it was the call from the branch that got XXXX to call?
I complained to him about the situation and said that I have been patient and I expect this to be resolved asap because it's a large amount of money. He told me that it could take up to several months to get the money and told me that usually overestimate the time to collect the funds so that they could under delivery on the actual time they said. He said he wanted a copy of the carbon copy in addition to the documents that I had already sent.
I confirmed with him that I had sent these documents to the TD Bank HQ at XXXX XXXX, TD bank Branch attn to both branch managers XXXX and XXXX, and faxed it ( I have fax confirmation ).
This is what he emails me shortly after the conversation : I respond in an email with all the documents that he requested.
XX/XX/XXXX Called to Check on the status of the case. No information XXXX tried to cash the check but TDBank held it because I told them the wrong amount. So I updated them with the correct information and told them to release the check # XXXX for {$780.00} to XXXX XXXX.
XX/XX/XXXX We send an email to XXXX stating that we are upset and demand a proper update.
XX/XX/XXXX called the branch spoke with assistant manager XXXX. She looked at the notes on the account and said that there are no notes from XXXX XXXX. I told her that I have already spoken XXXX in XX/XX/XXXX and sent them all the documents that they needed and already have. I sent her the email chain and asked her to follow up.
XX/XX/XXXX XXXX Some number XXXX XXXX XXXX XXXX Told me to call XX/XX/XXXX Called XXXX and XXXX to follow up Tuesday morning XXXX was assigned to the account because Arkeem was not being responsive so XXXX who is higher up was assigned. They said he tried contacting me on Tuesday but I have no call record or voicemail XX/XX/XXXX XXXX XXXX tried calling no answer. Left a voicemail XX/XX/XXXX XXXX XXXX tried calling no answer. Left a voicemail XX/XX/XXXX XXXX XXXX : tried calling no answer. Left a voicemail XX/XX/XXXX XXXX XXXX tried calling no answer. Left a voicemail.
XX/XX/XXXX Sent an email and it was bounced back. Called XXXX to see if she had any updates and asked her to CC me on an email to XXXX. Never got an email from XXXX.
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| 01/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am writing to you because there are several items on this account with billing errors with XXXX and their various violations with different accounts, In accordance with the fair credit reporting act this account and the credit bureau has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 USC CHAPTER 41, SUBCHAPTER III ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I know that an account a written list of transactions, noting the money owed ( top part of the statement ) and money paid ( bottom part of the statement/dividend check ) : a detailed statement of mutual demands arising out of a contract or a fiduciary relationship. An account can simply list payments, losses, sales, debits, credit, and other money actions, or it may go further and show a balance or the results of comparing site transactions, like purchases and sales. The Application means in this section that it may be amended from time to time, by which this Agreement is established between the Depositor ( or following the death of the Depositor, the Beneficiary ) and the Custodian.
The statements contained therein shall be incorporated into this Agreement. Consequently, companies wanted individuals to get rid of paper statements ( go paperless ) because they were committing mail-fraud under 31 USC 3123 . Each statement that was sent to me on the front should have said, " This is a solicitation and youre obligated to contract. I am protected by the Electronic Funds Transfer Act ( EFTA ) ( 15 USC 1693 et seq. ) of 1978. I am aware that you are negotiating my account via the securities exchange 17 CFR 230.425, 17 CFR 230.141 through your Companys Trustee. A coupon is a definitive bearing interest instrument associated with a U.S. Treasury bearer security. 31 CFR 358.1 16 CFR 1026.13 & D1-3 15 47 USC In accordance with 1026.11 ( 1 ) ( 2 ) Each time a payment is received, your account is deemed to be credited immediately. This is an infraction. Each time a balance is greater than {$1.00} ( the dividend check ), the corporation is supposed to forward the funds to my account. ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; Good faith effort to refund. The creditor must take positive steps to return any credit balance that has remained in the account for over 6 months.
This includes, if necessary, attempts to trace the consumer through the consumer 's last known address or telephone number, or both. Paragraph 11 ( a ) ( 3 ). Your company is also in violation with the following rules : Soliciting material pursuant to Rule 14a-12 under the Exchange Act ( 17 CFR 240.14a-12 ) Violation # 9 Written communications pursuant to Rule 425 under the Securities Act ( 17 CFR 230.425 ) Pre-commencement communications pursuant to Rule 14d-2 ( b ) under the Exchange Act ( 17 CFR 240.14d-2 ( b ) ) Violation # 11 Pre-commencement communications pursuant to Rule 13e-4 ( c ) under the Exchange Act ( 17 CFR 240.13e-4 ( c ) ) Open ended consumer plan ( an account with more than 4 payments ) accounts late payment notifications is illegal. Companies may not directly or indirectly report accounts to creditors.
15 USC 1602 ( j ) Violation # 13 15 U.S. Code 1666b - Timing of payments- This means a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statements, including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
15 U.S. Code 1666 - Correction of billing errors ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.
After complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error. ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. ( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section. Nothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error. ( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error. ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.
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| 05/19/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Cashing a check
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Web |
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In earlyXX/XX/XXXX, I made a car insurance payment of {$520.00} by check. I mailed the check from a blue postal box on the street. Approximately two weeks later, on XX/XX/XXXX, I got a notice from the insurance company saying I hadn't paid yet and they were mailing a cancellation notice. At first I assumed the problem was with the insurance company, because I checked my account and saw that the check had been cashed. But then, on XX/XX/XXXX, I clicked on the check image and saw that that, apart from my signature, which had been left intact, the check had someone else 's handwriting on it. The check had been made out to XXXX, but it was now made out to XXXX XXXX. The amount was the same as the original check -- {$520.00}.
I went immediately to the local TD Bank office and explained the problem. The clerk who I spoke with looked at the image and shared my reaction -- the handwriting on the check was clearly not mine, and she pointed out that you could see where the check lines had been inadvertently whited out. She didn't know how to deal with check fraud except by calling the bank 's fraud department, which she only knew how to reach through the same XXXX number that customers dial. The wait time was very long -- 45 minutes. She finally found out that she'd have to prepare some paperwork and I would have to sign an affidavit. She asked me to come back the next morning to complete my part of the paperwork, which I did. She also put my existing checking account on some sort of dormant status out of a concern for its security and opened a new checking account for me. I went through the process of turning off all of my direct deposits and payments and setting them up on the new account.
When I went back to sign the affidavit, I asked how long it generally takes for a problem like this to get resolved. She said she thought it should be sorted out within a few weeks at which point they could close the dormant account, which sounded reasonable to me.
A month or so later I checked my accounts online and saw that several thousand dollars had been transferred from my dormant checking account to the new checking account. I was concerned because I hadn't authorized that, so I called TD Bank 's customer service line. They explained that the transfer had been initiated by the local branch, for some reason. While I was on the line I asked whether they could give me an update on the check fraud issue, as I'd heard nothing more about it and was still missing {$520.00} from my account. They put me through to the fraud department where I waited on hold for somewhere between 40 minutes and an hour. When I finally spoke to someone, they told me that the incident of fraud could take as long as 3 months to be resolved. That seemed like a long time to me, so I asked why and I was told something to the effect of " that's just how long it takes. '' I explained that the bank branch had told me to expect it to be resolved more quickly, and the response was, basically, " well, they're wrong. '' A couple of months later, nearing the outside limit of when the fraud department told me the issue would be resolved, I called again for an update. I was again on hold for a very long time ( as I have been every time I've called their customer line. ) This time the fraud specialist couldn't tell me much of anything or explain what might be going on, so I asked to talk to a manager, hoping to get more information. The manager was unpleasant and seemed to think that my request for an update after nearly three months was unreasonable. After more than an hour on the phone, I'd gotten nowhere.
For the next two months after that I called every couple of weeks, hoping to find someone who could tell me what was going on. It began to be really frustrating. No one was ever able to give me a good time estimate, or tell me where my case was in the fraud resolution process, or explain why things were taking so long. At some point, after several calls like that, a fraud specialist told me that I shouldn't be trying to handle this problem through the fraud department at all, but would have to deal with it through my local branch office. That made me lose my mind a little, because I knew from experience that the local branch office would just call the same number that I had dialed. So I got discouraged and dropped it for a while, hoping it would just get resolved.
Last month, onXX/XX/XXXX, I realized that it had been a full six months since I first reported the fraud problem and that I still didn't know whether it was any closer to being addressed. So I went to the local branch office and waited to talk to the manager, XXXX XXXX. I explained the situation to him. He looked me up in the system and could see when I'd made the initial complaint and that I'd checked on it a number of times, but he couldn't tell me anything more. He said it might be taking a long time because TD Bank might be waiting for the institution where the fraudulent check was cashed -- XXXX XXXX XXXX -- to reimburse them before reimbursing me, an explanation I'd never heard before. He said that to get an update, he'd have to call the fraud department, the same department I'd already spent hours calling with zero results except for a lot of wasted time and conflicting information. I told him that didn't make sense to me, because the last I'd heard from them, they couldn't resolve it and told me I would have to handle it through the local office. He said he was sorry but he had to call them and asked me to stay with him at his desk while he made that call. When the wait time was estimated at more than 30 minutes I said I had to get to work. He said that if I left he might not stay on hold, essentially threatening to not deal with the problem unless I stayed. I explained again that I'd already been through this process a lot and just didn't have time to be on hold for ages. He said okay, and that he would follow up with me. I gave him my number and he gave me his card.
A week later, after hearing nothing from him, I sent an email reminding him of the issue. I didn't hear back. I went back to the bank in person, but he wasn't there. A week after my first email, I emailed again. It's now been a month since that XX/XX/XXXXvisit where I first met the bank manager, and I've still gotten no response.
Today I decided to try to deal with the problem once and for all. I was on hold for more than 50 minutes before getting through to a fraud specialist named XXXX. I explained the situation and that it's now been seven months since the fraud was discovered and asked her if she could give me some kind of update. She said that the fraud department only create cases. She said there's no estimate as to when any investigation will be completed. She said she couldn't check on the status of the case, or even confirm that they'd received the signed affidavit I filled out 7 months ago, the document that was supposed to kickstart the fraud investigation in the first place. She said that instead of calling her, I should call the security department ( a department I've never heard of before ) and they should be able to tell me the status of things. She said she couldn't connect me, but she could give me a number. After so much time on hold, I was reluctant to get pushed off to someone else quickly, so I asked if I could speak to a manager. She went to find one but came back on the line saying that no one was available. I asked if she could have a manager call me back. She verified my phone number and said that she would escalate the issue to a manager given the amount of time that's passed since I reported the fraud. But she couldn't promise that anyone would call me.
I called the security department at the number XXXX provided. The wait time was comparatively short. A sympathetic banking specialist named XXXX answered. I told her the story -- and also explained that I'm getting kind of desperate to get this sorted out because I'm XXXX and scheduled to XXXX XXXX on Monday, and I really don't want to have this problem hanging out there unresolved. She told me to hold while she reached out to a manager who might be able to give me more information. A few minutes later she got back on the line and told me that the manager said I should reach out to the fraud resolution department -- the exact department that I've been calling for months, and that had just told me to call the security department instead. I explained all of that, and XXXX was very nice but said she really didn't know what to tell me. She said she wished she could help, but she isn't the person who has the information to help me. She said she knows from experience how hard it is to get in touch with the fraud department, because she's had to go through the process of getting in touch with them herself. But she said calling them back was the only thing she could tell me to do, because that's what her manager told her.
Basically, I have been in stuck in a dysfunctional bureaucratic loop for seven months now. I have spent probably 20 hours of my time trying to get this resolved and as far as I can tell, I am no closer to having it sorted out than I was in XX/XX/XXXX of last year. I feel like a hostage, which sounds crazy and melodramatic, I know, but I have spent so much time trying to work this out, and all I get is a run-around. It's the worst customer service I've ever experienced anywhere. All I want to do is cancel my accounts and get as far away from TD Bank as I can. But I don't want to let them walk away with my {$520.00}.
Sticking with my resolution to try to get this worked out today, I followed XXXX XXXX instructions and called the fraud resolution department again. After another hour on hold, the same fraud resolution specialist that I'd spoken to earlier, XXXX, picked up again. I explained to her what had just happened. That I'd called the number she referred me to. That they'd referred me back to her. That I'd spent another hour on hold after already spending an hour waiting to talk to her the first time. I asked her to please put all of that in writing for her manager, because it's emblematic of what I've experience for the last seven months. I told her how frustrated I am to have spent two and a half precious hours of the little time I have remaining before I become XXXX XXXX trying to get answers from TD Bank, and I asked her to please convey that to her supervisor. She said she would. I have no faith that a resolution is coming any time soon.
|
| 02/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Servicemember |
|
I think the company, Target, is determined to not address what was verbally discussed, the initial issue that occurred. I think you are going to continue to circumvent the facts, especially the discussion that took place on XXXX and now, XXXX. This was supposed to be recorded. (??? ).
People do not always write down things accurately, what was actually discussed. People can be very selective in writing notes. Too many times I have heard a variety of contradictory comments from many of your reps. I am glad they have jobs. This is good.
In response to their letter dated XXXX, please check phone records and notes on XXXX. I made a phone payment of {$29.00} to XXXX out my account. Their rep clearly stated my account was XXXX, after I reluctantly paid the {$29.00} late fee, which the company offered to credit back to me on XXXX, if I made a telephone payment on XXXX. As stated, I had clearly informed the rep I would submit the remaining balance of {$45.00}, which your company received the very next day, XXXX. They stated that upon receipt Target could credit the {$29.00}.
I discovered, via phone conversations with some of the reps, that they claim I was supposed to call back on XXXX or some time thereafter, so that the reps could credit back the {$29.00} fee as discussed and offered on XXXX. Its obvious that the reps do not always note in their notes what was discussed. Please check the phone records!
Please note, it is only because of the of the fact that my account was NOT CREDITED AS DISCUSSED WHEN TARGET COMPANY RECEIVED THE {$45.00} ON XXXX, this resulted in a DOMINO EFFECT of Targets computer-generated late charges + interest. Logically, one should be able to deduce that had you, Target, honored your own words, we would not be having this ongoing dispute. I hold Target XXXX, accountable to honor their words. Its all principle! Please check the phone records and all of your notes.
Some of the reps claim they see this problem ( the {$29.00} fee not being credited back ) of what exactly happened and claim they have noted this accordingly. And, some of the reps claim they do not know how to handle advance payments like I paid on XXXX and XXXX. Respectively. And the some of the reps only state I did not pay a full balance, which is false, because it was clearly discussed that the remaining balance of {$45.00} would be paid via my bank by mail which you received the next day. I stated on XXXX the remaining balance of {$45.00} would be paid immediately via bank by mail. Your company received it the very next day and failed to honor its own word in crediting me back the {$29.00} late fee.
Nobody from this company took the offer off the table to credit back the {$29.00} late which was offered on XXXX. AND THIS SHOULD STILL BE HONORED B/C Target OFFERED IT. As mentioned, many of the reps claim I was supposed to call in back in XXXX and the {$29.00} late fee offer would have been honored and credited as a courtesy. This is what was I informed. I thought Target would have checked its own notes and records upon immediate receipt the very next day of the remaining balance.
It appears that Target does not have the ability to adjust advance payments like what my other creditors do when I make payments in advance to stay ahead monthly. As noted, I already paid for the XX/XX/XXXX, minimum due payment of {$29.00} back on XX/XX/XXXX. See below.
XXXX XX/XX/XXXX, I made a purchase of {$120.00}, which I paid off in two months BTW!
XXXX XX/XX/XXXX, I paid {$30.00} for the upcoming XXXX statement. The minimum payment due for the XX/XX/XXXX bill was {$29.00}.
XXXX days later, XX/XX/XXXX, I made another payment of {$50.00} towards {$29.00} due in XX/XX/XXXX.
As mentioned, I did not realize I even had a balance because I thought my account had been XXXX out after XX/XX/XXXX. We, us consumers, do not receive statements when account balances are XXXX. LOOK at my statement historyspread out. And I had NOT made any new purchases, so I have no reason to think I have an open statement.
Later, and only by accident in trying to use the redcard for a XXXX purchase, I had learned of additional charges on my card. After the rep rightfully credited back two {$40.00} late fees and respective interest, I reluctantly paid the {$29.00} late fee on XX/XX/XXXX, basically to avoid further damage by the target company reporting incorrect info regarding my good credit payment history over the past 9.5 years.
Moving forward, for some odd reason, Target charged my account a {$29.00} " purchase adjustment fee '' (??? ) on XXXX. This is BIZZARE! I am so glad I checked the online statement because, I again, assumed my account had been XXXX out on XXXX, and as mentioned by the rep who took the payment over the phone on XXXX. And then Target sent me a check dated XXXX of {$29.00}, without explanation. This is confusing b/c it appears Target honored ITS WORD and my request to refund the late fee as discussed back on XXXX.
XXXX XX/XX/XXXX, I learned, only by coincidence, that TD Bank USA/Target Credit had charged me a {$29.00} late fee, of which was to be credited back upon receipt of remaining balance of XXXX. Check your phone records and conversations with your rep, especially on XXXX, and thereafter.
XXXX XX/XX/XXXX, I paid off the remaining balance of XXXX. XXXX paid off in two months!
XXXX XX/XX/XXXX, I reluctantly paid the {$29.00} fee to avoid further damage to my account status. Your rep clearly stated my account balance was now XXXX.
XXXX XXXX, XXXX, your company charged my account, UNKNOWN TO ME, a purchase adjustment of {$29.00}, of which your reps can not explain.
* I received a check of {$29.00}, dated XX/XX/XXXX, with no explanation.
Please note that in response to Target letter XXXX, I was never advised the offer was declined when I mentioned Target would receive immediate payment bank by mail. The fact of the matter is many of the Target reps mentioned they saw the offer to waive or credit back the {$29.00} when I clearly mentioned I was going to submit payment for the remaining balance of {$45.00} via bank by mail.
As far as me being refunded my payment back, on XX/XX/XXXX, Target company charged me, UNKNOWN TO ME, a purchase adjustment of {$29.00}, of which their reps can not explain. And, I received a check of {$29.00}, dated XX/XX/XXXX, with no explanation.
In response to Target letter XXXX, There was never a minder, let alone a reminder I am familiar with regarding payments made more than the minimum payment and/or in advance. As mentioned, I had paid towards my account, in advance, since the XXXX payment had already been made back in XX/XX/XXXX. All of my creditors apply extra payments towards the next month or next payment due, unless I specifically request otherwise.
I applaud Target 's sentiments on helping active service members under the SRCA for debt relief and legal aid for matters that really warrant such help. This sounds good when the shoe fits. This is not one of those matters, and I never mentioned I am an active service member.
1The credit limit that Target initially lowered two years ago was based off inaccurate information and algorithms. Another TD bank vendor did exactly what your company did two years ago and investigated this matter, corrected it, and apologized with a formal letter and correction.
In this present day of inflation, Covid-19, high gas prices, life issues, etc., it is important to maintain good credit to live, survive, and thrive. In my situation, or any similar which consumers go through, what Target XXXX has reported is NOT CORRECT.
This is not fair for consumers who act, in good faith, honoring our part. Target DID NOT honor its part by manually correcting miscommunication, human error, a companys inability to correct certain issues, and/or computer error. I, or any consumer, should not be penalized. Target is circumventing facts, and is not reporting accurate information and presenting a complete picture. Target is circumventing the facts.
CORRECTIVE ACTIONS TARGET NEEDS TO TAKE : XXXX XXXX XXXX XXXX XXXX XXXX to remove the 30-day late notice from my account. I paid on time, over paid, pre-paid, and paid in advance.
*Have a human being manually restore the credit limit to previous credit limit. Target 's latest credit limit is a joke. I think this is Target 's method to shame responsible consumers. This is very tacky and disrespectful. FYI : ( 1Target initially lowered my limit due to my non-use ) *Refund {$29.00} late fee I reluctantly paid to avoid further confusion with Target. ( Already done, although not noted nor explained in conjunction with that purchase adjustment fee first charged before issuing a refund. This odd fee voids out my refund request for a fee I had already reluctantly paid, yet did pay. ) Why charge me and then issue a check dated after the date of the charge? This is very bizarre!
According to the FCRA, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.
It is my hope and prayer that Target manually correct to match what was discussed. This problem resulted from your company not honoring what your representatives stated would be honored, and which was supposed to be a recorded conversation versus notes perhaps not correctly written down Thank you for your prompt attention to this matter.
Cordially, XXXX XXXX XXXX XXXX.
# XXXX 1TD Bank computer algorithm was not accurate and lowered my good credit 2 years ago based off my factual perfect payment history, 720+ FICO ; Target claimed old, outdated, non-factual information >8 years because consumer was not using their financial product. Target reduced XXXX down to XXXX.
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| 07/27/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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|
Web |
|
|
On the CFPBs website ( https : //www.consumerfinance.gov/compliance/compliance-resources/deposit-accounts-resources/electronic-fund-transfers/electronic-fund-transfers-faqs/ # electronic-fund-transfers ) under Electronic Fund Transfer FAQs it states the following : 1. If a third party fraudulently induces a consumer into sharing account access information that is used to initiate an electronic account fund transfer from the consumers account, does the transfer meet Regulation Es definition of unauthorized electronic fund transfer?
Yes. Regulation E defines an unauthorized electronic fund transfer ( EFT ) as an EFT from a consumers account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. 12 CFR 1005.2 ( m ) .Comment 1005.2 ( m ) -3 explains further that an unauthorized EFT includes a transfer initiated by a person who obtained the access device from the consumer through fraud or robbery. Similarly, when a consumer is fraudulently induced into sharing account access information with a third party, and a third party uses that information to make an EFT from the consumers account, the transfer is an unauthorized EFT under Regulation E.
For example, the Bureau is aware of the
following situations where a third party has fraudulently obtained a consumers account access information : ( 1 ) a third party calling the consumer and pretending to be a representative from the consumers financial institution and then tricking the consumer into providing their account login information, texted account confirmation code, debit card number, or other information that could be used to initiate an EFT out of the consumers account, and ( 2 ) a third party using phishing or other methods to gain access to a consumers computer and observe the consumer entering account login information.EFTs stemming from these situations meet the Regulation E definition of unauthorized EFTs.
Updated XX/XX/2021 The exact scenario described above, in ( 1 ) of the second paragraph, is what happened to me. Despite this, TD Bank has twice reviewed and denied my Regulation E dispute claim.
On Monday, XX/XX/2021 while driving back to Washington DC from XXXX XXXX XXXX XXXX I received multiple calls from a number with the caller ID, TD Bank. In the car with me were my father ( age XXXX ) and younger brother ( age XXXX ).
At XXXX XXXX, I finally picked up the phone and was greeted by a woman who claimed to be a member of TD Banks Fraud Department. This woman gave me her name and then earned my trust by calmly telling me that a fraudulent charge had been made on my account ( a {$650.00} purchase on XXXX ), that she would help me deal with it, and that in order to ensure she was speaking to the correct person, she needed me to confirm the following information, information she then provided me with that I believed only my bank would have, namely my name, address, and bank account number on file, as well as my recent transaction history - including dates and amounts.
Once I had confirmed my identity, the woman then informed me she was going to secure my account by logging me out and changing my log-in information. She told me I was going to receive prompts from TD Bank on the phone and that I needed to confirm the numbers I received with her.
After doing this, the woman then told me hackers had likely gotten my information from XXXX and had me go on XXXX and disable my debit card from my XXXX account. After this, she told me she saw Zelle payments pending from my TD Bank account and informed me that I would soon receive texts which I needed to approve in order for TD Bank to authorize repayment to my account. Once I had approved of these texts, she then informed me she was going to issue me a new debit card.
It was at this point, at approximately XXXX XXXX, I received a flood of emails ( the data service on the road I was driving was poor ) which included emails about XXXX charges stemming from my account ( as opposed to coming into my account ) and an email from Card Verification Services about a new card being added to my digital wallet. At this point, I became immediately suspicious of the woman on the phone and used my brothers phone to call TD Banks customer service line myself. While waiting for TD Bank to answer, I recorded my conversation with the woman on the phone with my fathers phone ( I am attaching that recording below as a voice note - as you'll hear, she claimed TD Bank was attaching a new card to my mobile wallet so that I'd have access to a debit card while I waited for a new one to come in the mail ).
Once TD Banks customer service line put me in touch with a representative, I apprised the representative of the situation. The TD Bank representative immediately froze my account and told me to hang up, which I did. The TD Bank representative then looked at my account and told me that because the XXXX charges from my account were still pending, there was nothing to be done and the best thing for me to do would be to go to a TD Bank branch office the next day ( once the charges had finalized ), explain what happened, and file a dispute. She informed me that this was quite common and that I would be reimbursed in 8-10 business days.
On XX/XX/XXXX, the following day, I walked into the TD Bank branch office on XXXX XXXX XXXX XXXX in Washington DC, explained everything that had happened, filed a dispute, and created a new checking account as my old one was frozen.
I provided TD Bank with the voice note of my conversation as well as screenshots of emails that showed my TD Bank online banking password had been changed on XX/XX/XXXX at XXXX XXXX, an account called Td Refund had been added to my TD Bank account at XXXX XXXX, a payment of {$400.00} was sent to Td Refund from my TD Bank account at XXXX XXXX, a second payment of {$400.00} was sent to Td Refund from my TD Bank account at XXXX, a third payment of {$200.00} was sent to Td Refund from my Bank Account at XXXX XXXX, a fourth payment of {$400.00} ( for a total of {$1400.00} ) was sent to Td Refund from my TD Bank account at XXXX XXXX, and that I had received an email from Card Verification Services alerting me to a new TD Bank payment account to my digital/mobile device at XXXX XXXX. I will be attaching all these screenshots as well as a screenshot of my phone at XXXX XXXX at exactly this time I was on the phone with someone whose caller ID was TD Bank - confirming that aspect of my story ( I will also be including a picture of that screenshot that shows the time because the original screenshot automatically crops it out ).
After speaking with a representative at the TD Bank office I waited. On XX/XX/XXXX, I called the branch office and asked for an update. I was informed that my dispute had been denied because TD Banks records showed I had authorized the transactions. The representative told me thats all she knew but that I should re-file my dispute as the original form she was able to submit wasnt long and didnt include all the details I had provided her. I proceeded to give her all the information I could and asked to file another dispute.
That night, I did my own research on Regulation E and discovered the information I noted at the beginning of this, in which the CFPBs website explicitly states that EFTs stemming from situations such as the one I was party to meet Regulation E definition of unauthorized EFTs.
With this new information, I called TD Bank on XX/XX/XXXX ( the following Monday ) and asked to speak directly with the Dispute Department. Once connected with the department, I spoke to a woman who told me the only dispute she found under my name had been dealt with and that I had been denied. She then asked if I wished to file another dispute for this same incidence and I said I did and provided her with all the information I had initially provided the branch office. After informing her of the information I had found on the CFPBs website, she told me that in order for me to include that information in my dispute I would need to print it out and fax it to the dispute department. On XX/XX/XXXX, the following day, I went back to the branch office in Washington DC, had a representative print out the information directly from the CFPBs website and fax said information to TD Banks Dispute department.
On XX/XX/XXXX, I called TD Bank for an update on this second dispute. After eventually reaching a representative in the Dispute Department I was informed that I had been denied a second time. While on the phone with this representative, I explained what had happened to me and directed him to the CFPBs website. After reading the information I listed above, this representative told me that he agreed that I should be covered but that TD Bank follows Visas Internal Policies and that under those policies I was being denied. He then told me to wait to receive the letter in the mail from TD Bank to see if that letter held additional information.
Last week, I finally received that letter (
I had to have it forwarded to me as Im currently traveling ) which again denied my Regulation E dispute claim. As to TD Banks reasons, the letter states the following : Please be advised that your claim is denied for reasons including that our records show that the transactions were authorized by the account holder.
Very simply, a third party called me pretending to be a representative from TD Bank and then tricked me into providing texted account confirmation codes which the third party then used to initiate EFTs out of my account. According to the CFPBs own website, these transactions are unauthorized EFTs and are covered by Regulation E. TD Bank claiming otherwise is unacceptable.
|
| 07/12/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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|
Web |
Older American |
|
XX/XX/2019 - While placing an order for a birthday gift for my son on XXXX, I discovered someone had accessed my XXXX XXXX card and used almost all of my Membership Reward points. I called XXXX, they reversed the transactions which were used to purchase XXXX gift cards. XXXX closed the compromised card and issued a new one. This is not the first time an XXXX was compromised. I logged into my TDBank account online and checked the balance. No issues.
XX/XX/2019 XXXX is the payroll service used by XXXX XXXX XXXX XXXX. It withdraws payroll via debit from the company TDBank account. This occurred in the normal course of business.
XX/XX/2019 I received an email from XXXX that a client paid a bill. I logged into my TDBank online. To my surprise, the account had been drained to just {$230.00}. Over {$27000.00} was missing. I assumed this was a simple mistake. Examining the check register online, I saw two massive withdrawals. I called the XXXX XXXX branch, and then immediately left the office for the branch. There, I met with XXXX XXXX, the Assistant Manager of the branch for a very long time. I arrived at the bank at approximately XXXX XXXX.
At the bank, Ms. XXXX had me log into the account using an XXXX owned by the bank. We discovered that someone had created a false item labeled Payroll in the ACH transfer component of online banking. Details for each individual listed a bank account number linked to an entity with a Delaware address called XXXX. Ms. XXXX called her ACH Department and while on the phone with them, told me that it takes 2 days for a transfer, and we should be able to recover the money. The first transfer was for over {$12000.00} as I recall and made onXX/XX/19 with a transaction date of XX/XX/19, and the second was for over {$14000.00} and made on XX/XX/19 with an ACH fee date of XX/XX/19.
In both cases, less than TWO BUSINESS DAYS had transpired. From past experience, and published information from TDBank, an ACH Transfer takes TWO BUSINESS DAYS, so we were in the open window to recall the funds. I asked Ms. XXXX how the money transferred without the required security questions being asked. Neither she nor the person from ACH were able to answer that question, but it was admitted to me that NO SECURITY QUESTIONS WERE ASKED. The transfers were allowed because the IP address used matched that used for prior transfers.
Working with Ms. XXXX, she completed the requisite forms to recall the ACH transfers. Meanwhile, I called XXXX with my cellphone. I spoke to someone at XXXX, identified the accounts receiving the money, had a hold placed on the accounts. Upon completion of the ACH recall forms ( INCLUDED HEREIN ), Ms. XXXX faxed these to XXXX. It is important to note that XXXX uses Visa cash cards as its deposit vehicles. When calling them, if you hit 0 with the automated attendant, youre given three choices : Option 1 If youre law enforcement calling about a subpoena. ; Option 2 If youre a bank calling to question a transfer to a XXXX cash card ; Option 3 If youre a bank calling to question an ACH transfer In addition, the only mailing address listed for XXXX is one for the delivery of summonses and subpoenas.
I departed the bank and went to the XXXX XXXX Police Department and met with Detective XXXX XXXX and filed a complaint. It is case # XXXX.
XX/XX/2019Running anti-virus and malware scans of all computers and systems, nothing was found. I then ran my Chrome history. OnXX/XX/19, not only had someone used up my XXXX XXXX XXXX points, but an attempt was made to obtain new XXXX XXXX XXXX. The intruders were unable to do so. ( I spoke to XXXX on XX/XX/19 again regarding this. They were unable to obtain new cards because they were unable to answer the security questions. NOTE : SECURITY QUESTIONS ARE NOT KEPT ANYWHERE BUT IN MY HEAD. THIS PROVIDES FURTHER PROOF THAT TDBANK TRANSFERRED FUNDS WITHOUT SECURITY QUESTIONS BEING ASKED. ) In addition, I found evidence that on XX/XX/2019, someone ran a program in our computers designed to find my IP address.
If you research the subject, anyone can copy an IP address. Log into a wireless router that they own like a XXXX or XXXX, enter a copied IP address, save it, and that remote computer shows up as the same computer from which the data was stolen.
I returned to TDBank XXXX XXXX and brought all of this information to Ms. XXXX. While there, Officer XXXX showed up, and we had a frank discussion with Ms. XXXX. Detective XXXX doesnt understand how TDBank allowed the money to go through without the asking of security questions. Ms. XXXX affirmed she didnt know how either. ( NOTE I HAVE SPOKEN SEVERAL TIMES WITH MR. XXXX INDLUDING ON XX/XX/2019. HE HAS STILL NOT HEARD BACK FROM THE SECURITY OFFICER DESPITE MULTIPLE ATTEMPTS TO REACH THIS PERSON. ) XX/XX/2019 XXXX XXXX from the TDBank XXXX XXXX branch called me. I had to go to the bank and sign two new ACH forms, one for the full amount of each transfer. Ms. XXXX told me that Ms. XXXX of the bank told her this had to be done.
XX/XX/2019, XXXX XXXX. Voicemail left by XXXX XXXX, Vice President of TDBank, former manager of the XXXX XXXX branch. Ms. XXXX stated that she knows me, is involved, and will do whatever is needed to make this right and that I will be made whole.
Multiple calls to Ms. XXXX and Ms. XXXX ensue XX/XX/2019Spoke with XXXX XXXX. He agrees with my position in all of this. TDBank fraud department is not getting back to him.
XX/XX/2019 I called the fraud department of TDBank. They told me that it is my responsibility to call my payroll company and have them get my money back. We were unable to get the money back and your payroll company is now responsible. I told the person on the line that that is utter nonsense. I explained AGAIN that these were false payrolls. My true payroll company debits the account once per week. I was essentially blown off and the fraud department at TDBank was utterly clueless that someone had illegally accessed my account and created a false payroll using TDBanks software.
I went to the XXXX XXXX branch and met with the manager, XXXX. I reviewed all of this. Complained. Handed her a second demand letter. ( Enclosed. ) XXXX faxed the letter to Ms. XXXX.
XX/XX/2019 Emails to XXXX XXXX regarding info provided me.
XX/XX/2019- Around XXXX XXXX, Ms. XXXX called me. She said the bank rejected my claim. The reasoning is that it is my responsibility to maintain protection ( which I do ) per the business banking agreement. I explained to Ms. XXXX that I have evidence that the security question is asked and that supports the fact that TDBank did not ask any security questions. She asked me to send this information to her, which I did via email. She is attempting to get the bank to change its mind about declining my claim.
- Problem with TDBank position.
There is no definition of adequate security I inherited the affected bank account as it came with my purchase of the business The late XXXX XXXX or former employee XXXX XXXX would have signed any banking agreements.
All I ever signed was a signature card for the bank.
The new TDBank account issued me has a banking agreement.
NOTE : MY BROWSING HISTORY DOESNT INDICATE THAT THERE WAS ANY LOG-IN FROM MY COMPUTER ( S ) ON XX/XX/XXXX, THE DAYS WHEN THE ACH TRANSERS WERE MADE.
XX/XX/2019 Email to XXXX XXXX, XX/XX/XXXXXXXX. He called me back to discuss my email. He opined that the fact that there was no evidence of malware or virus detected that someone could have entered my office and run the programs. I expressed doubt but told him that XX/XX/XXXX has keys to all offices.
XX/XX/2019 Email to XXXX after having discussed his theory with my wife. My server is located apart from the office in a separate room and an unknown quantity of people have access. Also, you can get into my office by sliding a credit card down the door jam.
XX/XX/2019 At the advice of friend, used XXXX to post my TD Bank dilemma. They reached out to me almost immediately.
XX/XX/2019 Received texts from XXXX XXXX denying my claims again. Also, told that their legal department was now handling it due to their commitment made via XXXX.
Received a letter from the bank dated XX/XX/2019 denying my ACH reversals with no reason given.
Received a TDBank statement charging for the ACH transfers and showing that they occurred within 24 hours At XXXX XXXX, I returned a call to Officer XXXX XXXX of the XXXX XXXX Police Detective Bureau. He indicated he spoke with an XXXX XXXX at TDBank. XXXX is the head of security at TD. According to Officer XXXX, he read her my statement and his investigative materials, specifically that TD Bank failed to follow its own security protocols in letting this money through. He will make a copy of his report available.
XX/XX/2019 Officer XXXX gave me a progress report. First, the payroll created in my TD Bank account consisted of seven people, all of whom were true persons but whose identities had in fact been reported as stolen. Second, all of the XXXX cards that received funds from my account were being used in the XXXX, Colorado area at XXXX and XX/XX/XXXXXXXX ATMs and XXXX XXXX grocers. Officer XXXX had obtained via search warrant the video tapes but these were encrypted. By XX/XX/XXXX, he expects to have unencrypted videos. However, they were able to obtain a photo of the male from the videos. He is working with law enforcement in Colorado. He also stated there are similarities with other cases and made mention of an elderly community in Florida that this individual seems to have attacked.
Officer XXXX has proof that the accounts were accessed illegally.
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| 03/09/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Cashing a check
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Web |
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THE BANK FAILED TO EXERCISE ORDINARY CARE IN THE CHECK SETTLEMENT PROCESS AND THE BANK IS LIABLE FOR MISREPRESENTATIONS MADE BY THE BRANCH MANAGER AND PROFESSIONAL NEGLIGENCE RESULTING FROM HIS FAILURE TO COMPLY WITH BANK POLICY AND PROCEDURE REGARDING NEGOTIABLE INSTRUMENTS The account deposit transaction reversal deduction of some charges, which I strongly believe to be erroneously done. Furthermore, I am alleging negligence arising from the bank 's failure to act or otherwise prevent the negligence in their work, and, in turn, caused financial harm to their customers assets. Specifically, I contend that that professional advice or services provided by XXXX XXXX caused a me financial harm in the amount of {$2000.00} due to actual mistakes or a failure to perform a service, resulting in this overdraft and collections attempts.
Notice of Dispute and Breach of Contract Counterclaim against TD Bank and Branch XXXX Attention Deposit Operations Disputes Department, I, XXXX XXXX, dispute the accuracy and legitimacy of the debt, as well as the internal bank procedures that led to this unfavorable decision, loss of assets, and harm to my account and banking relationships.
Your attempt to collect on this alleged debt constitutes a breach of contract, breach of fiduciary duty, and bank negligence, as the transaction in dispute occurred BEFORE I opened an account with TD Bank and entered into a contract with the bank.
I repeatedly attempted to resolve this bank error with TD Bank 's Customer service representatives in person and over the phone. This error has harmed my assets financially and caused me unnecessary emotional distress as a result of my unsuccessful efforts to resolve the error and seek reimbursement.
In addition, any errors or concerns should be directed to XXXX XXXX, the branch manager, or the individual who set up my account.
Dear Deposit Operations Department Representative, I had a check drawn on TD Bank from the XXXX XXXX XXXX. The first time I attempted mobile deposit into my XXXX account, I was informed that the check would be held for 20 days because XXXX was unsure if they would be paid. Since this was a municipal check and I regularly cashed monthly utility stipend checks, I was concerned that XXXX XXXX did not believe they would receive the funds. This was a result of my ongoing discrimination cases and recent termination. Yes, because that's an apology. As soon as I was informed there was no way to appeal or get the check released earlier, I notified XXXX that I would be canceling the deposit and returning to the original branch.
I am not responsible for any fees, and I am contesting the deposit account adjustment based on the following two facts : First, at the time I presented the check, both TD Bank and the branch manager, XXXX XXXX, were aware that I had previously attempted to mobile deposit this check with another bank.
When he authorized the check to be cashed and provided me with cash payment, I relied on his statements and apparent authority as the branch manager.
After that, he strongly suggested that I open a bank account with TD Bank to avoid future problems.
And he highlighted the advantages of your bank, including on-site customer service, debit card printing, etc. And based on these representations, I opened a checking account and a savings account, and now I've suffered financial harm because of a branch manager 's error in professional judgment while I was not a client. I also deposited cash funds that should have been protected by the FDIC, which you attempted to reverse based on a check cash when I had no banking relationship.
So based upon those representations, I then set up an account with you. Using cash two to start the cash deposit to start the account.
For which you tried to charge back {$2000.00} on an account that I have never had a check on. And for a check that was cashed when I was not a member of your bank.
And that you never sent me notice and then when I called about this specifically, they told me to go in the branch and try to work this out.
In the many times I have reported it, but nobody has investigated my claims of professional negligence against your branch manager.
The claims of Errors and omissions cost me financial harm.
Banking malpractice.
I relied on what the manager told me and then you tried to come back and collect for an error the bank made and with no regard to the professional negligence of the branch staff and Branch Manager XXXX XXXX, while passing the economic harm to me.
I was never provided with written notification or evidence of the documents used to make this account change. Under the Check 21 rule, I never had the opportunity to request an expedited account recrediting refund. I was, in fact. And after reporting my concerns to customer service and the XXXX XXXX branch, I was never informed of my right to dispute as a consumer or my ability to file a claim under the bank manager 's professional negligence, errors and omissions insurance, as well as the FDIC.
I am concerned about the way my account has been handled and that I never received the required notice of transaction reversal as required.
Today I am received the 1st letter about my account being overdrawn and that you are trying to collect on a debt. I have not received notice about when I went into the savings account to see what it was, they said it was about a check that I asked.
I went into the branch to ask for copies of the check, deposit slips, and copies of documents relied upon for the deposit account adjustment, which I have yet to receive. I further reported that their actions and repeated attempts to collect the alleged debt of {$2000.00} is erroneous and capricious. I made repeated complaints about the Branch Manager ( XXXX XXXX XXXX and his professional negligence and discretionary decisions which has caused financial harm to my assets ( loss of {$850.00} ), outstanding debt {$1200.00}, and loss of access/use.
Due to my XXXX XXXX disability, I have repeatedly requested a reasonable accommodation for assistance to escalate this complaint and to ensure so that a despite has been filed in accordance with bank policy. Additionally, I want to file a prompt claim for banking malpractice, protect my rights, and remain informed about my consumer rights, and seek damages for breaches of the deposit holder agreement to which I agreed, and regulatory standards.
TD Bank Contacts and Attempts Chargeback If a collecting bank makes provisional settlement with its customer for a check and fails for any reason to receive settlement ( e.g., by reason of dishonor ), it may revoke its settlement and charge back the amount to its customer if by its midnight deadline ( or within a longer reasonable time after it learns of the facts ) it returns the item or sends notification of the facts.
If the return or notice is delayed beyond that point in time, the bank may be liable for any loss resulting from the delay.XXXX The right of chargeback is not affected by the customers use of any credit given for the item or the failure of the bank to exercise ordinary care with respect to the item.XXXX UCC 4214 ( d ) ( 1 ) and ( 2 ). Although retaining its right to charge back, a bank may nonetheless be held liable for harm from its own negligence in handling the item. UCC 4214 ( d ) ( 2 ). Bank owed no duty to its customer, who was bilked in a XXXX ( counterfeit ) official check scam, to examine the checks before taking them for deposit. Whether bank exercised ordinary care in the check settlement process was irrelevant to its chargeback rights under UCC 4214 ( d ). The bank could be liable for negligent misrepresentation under common law theories, however, depending on how it described or discussed the check with its depositor. XXXX XXXX of Ronan v. Hughes, 147 P.3d 185 ( Mont. 2006 ) ( counterfeit official checks described as good and the same as cash ). See also Call v. Ellenville Natl Bank, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Drew v. Commerce Bank, XXXX, XXXX XXXX XXXX ( XXXX ) ( banks statement that funds were available did not misrepresent that counterfeit check had cleared ). First Georgia Bank v. Webster, XXXX XXXX XXXX. XXXX ( XXXX ) ( check incorrectly described by bank as good ) ; First National Bank of Denver v. Ulibarri, XXXX XXXX XXXX. XXXX ( XXXX ) ( bank assured customer that check had finally settled ). Holcomb v. Wells Fargo Bank, XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) ( branch manager allegedly told customer check had cleared ; negligent misrepresentation ). Chase v. Morgan Guaranty Trust Co.XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( bank assurance did not cause the loss ). XXXXational Bank of Georgia v. Weiner, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( bank could exercise chargeback against attorney escrow account even though original overdraft involved the funds of a different party ). Cases dealing with claims that the XXXX XXXX made negligent representations about whether it would pay checks : Sabin Meyer Regional Sales Corp. v. Citizens Bank, XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX ) ( bank allegedly said the account contained, and would contain, sufficient funds to cover checks given to payee ) ; WB Farms v. Freemont National Bank & Trust, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( bank agreed to pay check whenever funds come into the account ) ; Mitchell Buick & Oldsmobile Sales , Inc. v. McHenry Savings Bank, XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX ) ( bank agreed to pay check if its customer deposited {$10000.00} or more ).
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| 02/05/2021 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Pursuant to N.C. Uniform Commercial Code 25-1-304 every contract implies good faith and fair dealing between the parties to it. This implied covenant provides " that neither party shall do anything that will have the effect of destroying or injuring the right of the other party to receive the fruits of the contract. In the debt collection context, breach of the covenant of good faith & fair dealing may be applied to the actions of the original creditor or the debt collector. In regards to the original creditor 's actions, it may be applied where the facts indicate the creditor acted in an unfair, misleading, sneaky, or extremely advantageous manner.
I XXXX XXXX have attached to this complaint a affidavit and exhibits of witnessed TD Auto Finance LLC and debt collectors XXXX XXXX XXXX XXXX and XXXX XXXX XXXX violations of Federal and State law with Unconscionable, Unfair, and Deceptive Debt Collection Practices with Unfair and Deceptive Trade Practices as Debt servicer posting as Original Creditor for convenience of debt collection activities. Title 15 USC Chapter 41 1641 ( g ) Notice of new creditor ( 1 ) In general In addition to other disclosures required by this subchapter, not later than 30 days after the date on which a mortgage loan is sold or otherwise transferred or assigned to a third party, the creditor that is the new owner or assignee of the debt shall notify the borrower in writing of such transfer, including ( A ) the identity, address, telephone number of the new creditor ; ( B ) the date of transfer ; ( C ) how to reach an agent or party having authority to act on behalf of the new creditor ; ( D ) the location of the place where transfer of interest in the debt is recorded ; and ( E ) any other relevant information regarding the new creditor. I never received a notice of New Creditor changing from the listed creditor on the Installment Contract if TDAF is not a debt servicer and debt collection agency.
Under the Consumer Credit Protection Act Title 15 USC Chapter 41 1641 ( f ) any treatment of the SERVICER of the XXXX XXXX XXXX Intangible Obligation as an OWNER of the XXXX XXXX XXXX Intangible Obligation would be in violation of Federal Statute. As this assignment to TD Auto Finance, LLC, a XXXX XXXX XXXX XXXX would be in violation of Federal Statute if TDAF was not the OWNER of the XXXX XXXX XXXX Intangible Obligation, TDAFs claim of rights to the XXXX XXXX XXXX Intangible Obligation is either a fraudulent claim or TDAFs actions under the claim of ownership are in violation of Federal Law.
15 USC Chapter 41 1641 ( f ) Treatment of servicer ( 1 ) In general A servicer of a consumer obligation arising from a consumer credit transaction shall not be treated as an assignee of such obligation for purposes of this section unless the servicer is or was the owner of the obligation. ( 2 ) Servicer not treated as owner on basis of assignment for administrative convenience ; A servicer of a consumer obligation arising from a consumer credit transaction shall not be treated as the owner of the obligation for purposes of this section on the basis of an assignment of the obligation from the creditor or another assignee to the servicer solely for the administrative convenience of the servicer in servicing the obligation. Upon written request by the obligor, the servicer shall provide the obligor, to the best knowledge of the servicer, with the name, address, and telephone number of the owner of the obligation or the master servicer of the obligation.
North Carolina Law provides the following regarding securitized assets acquired by True sale assignment without recourse without disclosure to the consumer as maker or investor ; N.C.G.S. 53-426. Waiver of equity of redemption. ( a ) Notwithstanding any other provision of law, except to the extent otherwise set forth in the transaction documents relating to securitization, all of the following apply : ( 1 ) Any property, assets, or rights purported to be transferred, in whole or in part, in a securitization or in connection with a securitization are considered no longer the property, assets, or rights of the transferor, to the extent purported to be transferred. Under UCC Article 9 accounting record requests have failed, no proof of possession has been provided. No proof of non e-signed note
has been provided given the note can not be negotiated electronically by law. No response to Rule 36 Request for Admissions, no signed affidavit regarding GAAP scouting for the has been returned, and my Affidavit has been unrebutted. There is no issue regarding the material facts, yet despite terminating security interest un TILA, Dodd Frank, and Regulation Z due to fraudulent concealment and inducement TDAF and agents file a frivolous action XXXX county.
No 1692 ( g ) validation has been provided and collection has not ceased.
15 U.S. Code 1692e with several false and misleading representations as owner, not debt servicer, not debt collector despite registration, false representation as holder in due course by possession or control, false representation of character and amount after security termination with fraud tolled TILA rescission, use of false representation or deceptive means to collect or attempt to collect the alleged debt, XXXX XXXX did disclose in initial communication with consumer this is an attempt to collect a debt.
15 U.S. Code 1692f affidavit and exhibits contains several unfair practices and unconscionable means to collect after terminating security interest.
15 U.S. Code 1692j TDAF is not the true party of interest as documents allude and many exhibits attached show deceptive forms.
No UCC 9-210 accounting requests have been provided for compliance.
Promissory Note ( Intangible eNote / Intangible Payment Obligation ) = An electronic transferrable record ( created during securitization ) and signed in accordance with ESIGN Act that commits the maker ( Account Debtor or Intangible Obligor ) to pay a specified sum on demand in accordance with a contract NOT governed by UCC Article 3 to an Intangible Obligee. Transferrable records are governed by UCC Article 8 and the Security Interests securing transferrable records are governed by UCC Article 9.
Security Interest ( Intangible to UCC Article 8 eNote ) = Intangible Obligations ( created during securitization by an Account Debtor ) are routinely swapped for another Intangible Obligation ( Certificates ), and as being a Transferable Record such transaction would fall under governance of UCC 8. For this Certificate Intangible to be secured by an Intangible Account Debtor 's Personal Property, the negotiation of the Intangible Obligation must be in compliance with UCC 8 as it applies to Transferable Records. As to the Personal Property securing the Transferable Record, UCC 9 would provide governing law.
The purpose of the Retail Installment Contract document is to simply memorialize the purported sale of the XXXX XXXX XXXX Tangible Promissory Note and the acquiring of rights ; it does not cause the sale nor the acquiring of rights. The sale is to be done in accordance with statutory requirement of law N.C.G.S. UCC 25-7-501, which has not happened. The acquiring of rights is to be done in accordance with statutory requirement of law N.C.G.S. UCC 25-3-203, which has not happened.
N.C.G.S. UCC 25-7-501. Form of negotiation and requirements of due negotiation ( A ) The following rules apply to a negotiable tangible document of title : ( 1 ) If the document 's original terms run to the order of a named person, the document is negotiated by the named person 's indorsement and delivery ( emphasis added ) N.C.G.S. UCC 25-3-203 ( D ). Transfer of instrument ; rights acquired by transfer ( D ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur, the transferee of that instrument obtains no rights under this chapter, and the transferee of that instrument has only the rights of a partial assignee.
N.C.G.S. 25-9-102. Definitions and index of definitions - UCC 9-102 ( A ) As used in this chapter, unless the context requires otherwise : ( 3 ) " Account debtor '' means a person who is obligated on an account, chattel paper, or general intangible. " Account debtor '' does not include a person who is obligated to pay a negotiable instrument, even if the instrument constitutes part of chattel paper. ( emphasis added ) The FTC Act and Dodd-Frank generally prohibit deceptive and unfair practices, and both the FTC and CFPB have used this umbrella to punish creditors for unfair and deceptive debt collection issues even where they were not covered by the FDCPA. The FTC Acts general prohibition in absence of FDCPA coverage stating that even if the FDCPA doesnt apply, your collection activities are still covered by Section 5 of the FTC Acts general prohibition against deceptive or unfair practices. [ T ] he FTC has taken action under Section 5 when first-party creditors engage in other practices expressly prohibited by the FDCPA. In 2013, the Bureau issued Compliance Bulletin XXXX, which clearly laid out its position : [ a ] lthough the FDCPA definition of debt collector does not include some persons who collect consumer debt, all covered persons and service providers must refrain from committing UDAAPs in violation of the Dodd-Frank Act. The North Carolina Fair Debt Collection Practices Act applies to any debt, including those claiming to be collecting their own debt.
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| 07/25/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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This will be my third complaint regarding the fraudulent charges against my checking account with TD Bank and an opportunity for me to address the bank 's refusal to acknowledge these charges as fraud from another angle. The bank has responded to my previous complaints as follows : 1. There were no card present attempts after card was closed by the customer. Indicating fraudster knew when the card was closed.
2. PIN number was entered correctly on the first attempt. No indication Pin number was compromised.
3. Transactions in between fraud not being claimed indicating card in possession. Upon receipt of the escalation, leadership reviewed and upheld the denial 4. XXXX XXXX PIN used transactions occurring in between claimed fraud not being claimed indicating card in possession 5. No closed card attempts made with card at point of sale after card was closed by the customer. Case considered closed.
In my previous complaints I did not go back to basics and provide documentation of the most building block evidence as I assumed the bank took these claims to be fact. I never considered that I needed to back up my most basic claims, however, after reviewing the XXXXXXXX database, specifically those complaints involving TD Bank, it appeared that those that were successful adopted this approach. Therefore, I am filing this complaint to follow that example and address the banks previous denials without assuming that they accept anything as proven fact though I firmly believe that TD Bank is and has always been privy to this evidence and has chosen to ignore it in favor of canned denials without a thought of the repercussions that their decisions have caused in the single consumers life.
On Saturday, XX/XX/XXXX, at XXXX pm I received a notification that a purchase of bitcoin had just occurred with my XXXX account ( see Attachments 1 and 2 ). I knew this to be in error or misuse of my card or account as I had never made a purchase of this kind. I immediately contacted XXXX and informed them and asked that they suspend the account. The results of this phone call and the action taken by XXXX were sent to me via email on XX/XX/XXXX ( see Attachment 3 ). As my TD checking account was the funding account for this purchase via my XXXX account I wanted to check and make sure it was secure as well and take any further action necessary. It was at this time that I attempted to access my TD account via online banking and found that neither my long-standing username nor password worked to access my account. I immediately called TD Banks XXXX customer service number and my voice was recognized and confirmed using their voice recognition technology to grant access to discuss my account. At this time, I was notified by the agent that there were numerous pending transactions against my account of which I had no knowledge, and which had not been authorized by myself. I asked the agent to have the account frozen and disable the debit card until I could go into the branch and speak to someone in person. The agent assured me that these actions were taken at that time ( Saturday XX/XX/XXXX, at approximately XXXX pm ). However, as you can see from my attached statements from TD the account continued to be used fraudulently despite my fraud notification ( see Attachment 4 A-C ) and directly refutes claims 1 and 5 made by TD Bank and outlined above. As Monday was a bank holiday I went into my branch on Tuesday, XX/XX/XXXX, to report the fraudulent transactions, that I knew had occurred only after speaking to the customer service agent, but also to find out what had happened to my online access. I knew something had happened but really was unsure to the extent as I had not had any access to my account. As I have previously reported, my debit card was not in my possession and all these actions that I have described above as well as my activity throughout that weekend can be further confirmed by a friend who was visiting with me in my home and who remained in order to provide transportation to my bank on Tuesday.
In point 3 of TDs reasons for denial they claim that activity on my debit card that was not claimed as fraud occurred during the fraud. This is very easily explained as I had numerous monthly charges that automatically deducted from my account without any action on my part. It was merely coincidence that these charges posted during the fraudulent activity, but it nevertheless does not make them fraudulent nor does their occurrence evidence any fraudulent activity on my part. Any cursory investigation of the account would have shown that the same amounts had been deducted on the same date over the course of many months previous. However, if TD Bank had frozen my account as I requested during my phone call to their customer service line these deductions should also have been denied as that is what I had requested when I contacted the bank. Further, as to claim 4 of TDs denial I categorically deny that any card present PIN used transactions occurred after XXXX pm on Saturday XX/XX/XXXX, were made by myself. It would not have been possible as I no longer had my debit card in my possession or any other access to my account via website or app throughout that weekend at this time and could not have made any purchases or withdrawals via any means as none were available to me. Again, I do have a witness who can testimony as to my activity and further support my denial that the circumstances described in claim 4 occurred in the first place.
As to point 2 of TDs reasons for denial I can only report was I was told by a branch employee when I reported the fraud in person on Tuesday, XX/XX/XXXX, that the PIN was changed at the same time my username and password were changed. I have no way of knowing if this was truly the explanation or if the fraudsters somehow gained this information through other means. I can only say that I had only just received a direct deposit of just over XXXX XXXX from an insurance payout that I had been in a prolonged battle of nearly three years to settle. I am unaware if I was targeted because of the receipt of these funds but the coincidence that I had a healthy balance for the first time in many weeks only to see those funds disappear in one weekend seems strange ; but I have not been informed nor was I aware of anything out of the ordinary as I went about my usual routine in the days prior to these events. Therefore, I can not confirm or deny the validity of TDs second point, but can only argue that, as all account access had been altered and was no longer available to myself that it seems to follow that the PIN was changed at the same time. I have certainly not been provided with any evidence that it was not changed, nor have I received any written response or documentation from TD Bank despite my repeated requests for this information going back to the first denial of my claim by TD Bank a mere four days after my in person visit to the branch.
Finally, in various communications with TD Bank during this dispute process they have mentioned my historical banking records and again I would assert that if they would consult these, they would see that I very rarely use non-TD Bank ATMs and might have once paid for a balance inquiry in the entirety of my relationship with them. It has not been a common practice in my life to pay for such services and I have only on rare occasions done so, not just during my time with TD Bank, but throughout the entirety of my adult life. I would gladly provide any banking record still available to me if I thought it would assist them in making the correct informed decision I would gladly do so. Therefore, I do not believe that TD Bank has any reasonable claim left to assert to explain the denial of my claim of fraud or to question the validity of my claim. I believe that TD Bank should immediately return the funds fraudulently removed from my account in the amount of {$3800.00}. These charges can be found on my attached bank statement that I have attached to this claim and marked as Attachment 4C. Additionally, funds, in the amount of {$490.00}, were routed out of my account electronically to an unknown XXXX account during the time period that I no longer had any access to my account ( see Attachment 4A ). Though my XXXX account was used by the fraudsters by this time I had that account secured and XXXX and it was not involved in the processing of this transfer. Finally, my name, social security number and bank account were used to apply for and receive a loan, in the amount of {$1000.00} via XXXX XXXX during the time period in which I had lost all account access ( see Attachment 4A ). Therefore, I believe TD Bank should return {$4300.00} to me immediately and provide written documentation of the fraudulent use of my account so that I may in turn provide this documentation to XXXX so that I will not be held liable for the fraudulent receipt of these funds nor held liable for the non-payment and additional fees that have accrued while I awaited TD Bank to properly resolve this valid claim of fraud. Though, in conclusion, as I have asserted above if TD Bank had properly secured my account, as I was assured, they had done on Saturday, XX/XX/XXXX much of this activity would have been rejected at the point of purchase or attempt to transfer.
|
| 02/01/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem accessing account
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Web |
Servicemember |
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This Complaint has been filed against XXXX XXXX XXXX ; TD Bank N.A. FDIC cert # XXXX for discriminatory practices in which I was victim to yesterday XX/XX/2023 as a XXXX female. I have been a patron of this Bank for over two decades and this has been the most insulting and dangerous direct form of discrimination that I ever faced.
On XX/XX/2023 I entered the TD Bank NA located at XXXX XXXX XXXX XXXX, XXXX XXXX Fl XXXX about 3XXXX and approached the tellers station to get a notary done for my XXXX childs passport application. My husband who is a XXXX XXXX XXXX Veteran had to notarize the minor form because the Post Office required so since he would not be attending the appointment.
We approached the desk and I gave the teller XXXX who stated she was a notary the passport form and my husband Alabama state license. He signed the application form in her present. She stated she could not use the Alabama state license as it was out of state. Then my husband gave her a paper from the department of motor vehicles that showed it was a valid state id and he had his CDL license. She stated no he can not use that. My husband then ask her if he can use his military ID. She stated NO.
We went into the parking lot and I told my husband this does not seem right because your military id is government issued. As such I took the notary class before and remember that being on the list as acceptable IDs. I then XXXX it in the parking lot and sure enough a military government id was an acceptable form of ID in Florida for a notary. I told my husband let me ask her again if it was ok with the military id and show it to her. I proceeded back in the branch with his military id and he gave me his TWIC card.
XXXX the teller was engaged in an argument with a XXXX male customer. The XXXX male voice was elevated and loud as the entire Branch was silent listening to the brawl. The XXXX male stated out loud I just want to withdraw money from my XXXX account! And you refuse to give me my money! XXXX stated to him she can not give him the money in his account until he tells her where the money came from because he took out a loan and it wasnt with TD bank. This XXXX male then screamed out I dont have to tell you where my money is from its mine. She proceeded to go back and forth with him. The XXXX male then dropped the XXXX XXXX again stating You was going to XXXX have me walk out of here! No manager came to XXXX aide. She was red in the face and stuttering to the man. I was completely shocked at this XXXX male using profanity but other patrons in the bank was empathizing with his situation.
The XXXX male after stating Im on my lunch break and I should be eating right now, informed her I will never come back to this branch he walked out without his withdrawal. I was next in line.
I showed XXXX my husband military id and TWIC card and ask her again can we use it as I XXXX the military id and it is an accepted form of ID. XXXX looked at me and stated loudly I told you I am not notarizing your paper! I ask her who else notarize in the Bank and she stated one of the ladies do on the platform. This is when I called TD Bank customer support number on my phone. In the mean time I walked over to the first lady on platform and stated Excuse me miss do you notarize? she stated yes. I ask her can my husband use his military id as a form of id to notarize the minor passport form. She stated Of course, a military id is acceptable I will do it for you. I stated thank you.
I informed XXXX who made a statement out loud that the new notary lady should not notarize it, that the other notary stated it was an acceptable form of ID and she should not have refused to service us as this was discrimination against us and my husband is also a veteran. I also informed her I was on the phone with TD Corporate. At this point representative XXXX was on the phone with me from TD customer care. The next moment a XXXX lady who was sitting on the platform jumped out of her seat in my face without any introduction and started to scream loudly : Excuse me mam you can get out we are not going to service you. I told her to remove herself from my face I was not talking to her and Im on the phone with Corporate. I did not know who this lady was. She then continued to scream at me that I was disruptive and loud. I ask XXXX who was on the phone if she is hearing this and she stated yes, she is documenting. I looked at this XXXX lady badge which stated TD BANK with the name XXXX on it. She stated over 3 times they are not going to service me. She was extremely Confrontational and Loud.
A XXXX customer lady came up to me and stated Excuse me, I saw the entire thing you are right they are discriminating against you. The XXXX customer stated TD Bank has a policy of not discriminating against customers she stated I needed to report this right away to TD head office. I thanked this XXXX customer and told her I was presently on the phone with customer service. This XXXX lady stated to me I am next after that couple you can take my spot on the platform line. She then stated They are very unprofessional and rude in this Branch make sure you report this. I thanked her for the spot in line as now I would have to wait behind 4 people that just came in after me.
As I waited for the other notary on the platform for about 45 minutes, XXXX continued to be confrontational. My husband ask her why are you refusing to service us. XXXX then stated with a smirk on her face and turned to my husband and stated I will not serve her pointing to me. I told XXXX I never ask her for her service and informed my husband that the other lady was the 2nd notary not XXXX. XXXX was again confrontational stating NO ONE IN THE BANK is going to service us and she is going to call the police on me and tell them I am loud and disruptive. The other customers in the Bank gasps.
I told XXXX when the XXXX male was in here using profanity and she did not budge out of her seat to address that confrontational loud situation. In fact, the XXXX male cursed at XXXX 2 times using the F word and continued to stay in the Bank with no interruption. I never used profanity, was loud or disruptive. XXXX displayed this behavior and also seemed upset because I was on the phone with Corporate.
XXXX the customer service representative stated she was documenting. My husband stated this is unsafe and informed me we should leave before XXXX calls the police and lie on me as a XXXX women. My husband also appeared scared and told me XXXX was escalating the situation.
I told XXXX on the phone that I exited the Bank after XXXX repeatedly threatened me to call the police and lie in a true XXXX fashion. XXXX stated again she is sending an email out in regards. I was denied service as a XXXX patron. I was discriminated against as I was treated different than the XXXX patrons that day. I was also aggressively confronted by XXXX who I later learn that day is an assistant manager of the branch. At no time did XXXX introduce herself, offer help etc. She blatantly told me I will not be serviced and she was going to call the police on me and lie. As a professional women I was insulted and in fear of my life as this XXXX women was engaging in this XXXX behavior threatening to lie to me with the police. This was a very degrading experience. My husband was also in fear and informed me that she was telling the XXXX customers at her table that all she have to do is call the police on me. She also was telling these XXXX customers sitting at her desk that she is not going to service me.
The phone unfortunately disconnected with XXXX when my Bluetooth connected in the car. I called the contact center back and spoke with representative XXXX XXXX who stated this behavior by these 2 TD reps in the branch was unacceptable she transferred me to the supervisor XXXX XXXX. I was emotionally distraught at the fact I was refused service because XXXX XXXX XXXX XXXX XXXX XXXX. The Fact that this lady XXXX at the bank was so confrontational with me and continuously telling me that NO ONE AT THE BANK IS GOING TO SERVICE ME and SHE IS GOING TO CALL THE POLICE ON ME TO LIE AND SAY IM LOUD AND DISRUPTIVE was so extreme in degree as to go beyond any possible bounds of decency. As a XXXX women XXXX apparently did not want me to voice my concerns that I was not being serviced when we presented the right form of ID. This practice of XXXX XXXX people to try to shut you up when your speaking and remark you as disruptive or loud is a pattern of passive aggressive behavior that is commonly used when a XXXX XXXX person is trying to deflect from their XXXX practice. It is a practice to create confusion and label the victim as deviant to cover up their XXXX actions. This has been seen in America as the act of a XXXX. XXXX continual behavior to taunt me and my husband was so outrageous in degree and intentionally and recklessly carried out in a federal place of business. She did not care that I was on the phone with TD Bank customer support Center because she felt a right of privilege and entitlement to refuse to service me and my husband even though we meet the qualification for a notary service confirmed by a 2nd notary in the Bank. As such we were not serviced even after waiting about one hour.
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| 09/08/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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On XX/XX/XXXX I received a letter dated XX/XX/XXXX delivered by XXXX from the TD Bank Demarketing Department stating that after review, my account would be closed effective XX/XX/XXXX. The letter listed my full account number and said I could go to a bank location prior to that date and close the account myself and receive a check for the balance. It the letter said if I were to take no action, my account would be closed on XX/XX/XXXX and I would be mailed a check for the funds. There was also a number listed saying if I had any questions or concerns, I could call that number. I logged onto my online banking account and nothing seemed out of the ordinary, and I attempted to verify that the phone number was legitimately affiliated with TD Bank. I searched the internet and could not find anywhere that listed the number as an authentic TD Bank number. I called the number and it was an automated message for a voicemail box saying to leave my name, reference number and a call back number and that a TD advisor would call back within 24-48 hours. This seemed like a red flag to me as I couldnt verify the authenticity and did not want to open myself up to any potential scams. I then called TD customer service from a verified number within the TD Bank mobile app, and explained my situation. I read them the letter and was by the service rep that my account had no notations of pending closure and that hed never heard of a letter like that before. I expressed that I was concerned with my entire account number being listed on the letter, and he placed me on hold to contact the fraud department. When he came back on the line he said that the fraud department recommends I take the letter to a TD Bank branch for them to evaluate and determine if there is any cause for concern of my account being compromised. I took their advice and visited the branch with the letter the same day. I presented the letter and explained what the rep had told me on the phone. All 3 employees working were baffled by the letter and stated theyd never seen anything like it. The woman I was directly dealing with said she would scan the letter to email to her manager. She also dialed the number listed on the letter and both her and another employee remarked that it sounded sketchy. They said there was nothing notated on my account about a closure. She continued to email with the manager back and forth and, what she referred to as, bump it up when the manager didnt have any answers. I waited for over an hour before saying I had to leave to pick up my son from school, but asked to leave my number and receive a call back if she was able to get any more information. I never received a call. Then, this morning, XX/XX/XXXX, I attempted to make a payment using XXXX, which was declined. Naturally my first thought was the letter, so I again contacted TD customer service. I explained the situation to the rep in detail of what had happened up until that point. She reassured me that my account was safe and not at risk of being closed, saying there were no notations aside from an old one in XXXX. She also said she was not familiar with any such letter and it sounded illegitimate. I felt uneasy and asked if she was sure she would be able to determine if theres any issues with my account, and that I was still concerned about potential account compromise due to my account number being listed. She said she would transfer me to the fraud department for them to assist with my concerns. I then explained, again, each detail of what had occurred to the rep in the fraud department. She was concerned but insisted that my account did not have any indication of closure. I explained that I was nervous if my account were facing closure, that I did not have time to wait for a check to come in the mail as I have several bills due within the next few days. I also asked this rep about the phone number, and asked if it were possible for her to look the number up in her system to see if it is a valid TD phone number. She said she could not find it anywhere in her system, but was understanding about my concern. She said that she would email the fraud closure department, and that although she wouldnt be able to call me back, she gave me the direct phone number for her department and suggested I call back in a few hours to see if there was a response. She also agreed in the meantime to restrict my account due to my concerns about compromise. I called back to the number she gave me at around XXXX, and again explained the entire situation to the rep. He pulled up my account and said that there was a notation added this morning at XXXX saying my account was scheduled to closed. I asked why the notation wasnt added as soon as the notice was sent to me. He stated that they first issue the notice to me, and give me 14 days before closing the account, and then send the notice to their departments. I explained that the letter I received did not give me 14 days, it was 10 days from the date of the letter to the date of the closure. I also explained that, had the notation been timely and/or the reps better informed on this process, or a better system to verify the validity of the phone number listed on the letter, I wouldve closed the account on Tuesday when Id gone to the branch. He didnt offer any resolution except to suggest I return to the branch to close my account and withdraw my funds, otherwise Id receive a check by mail. As soon as I got off the phone, I went back to the TD Branch and explained my situation in detail including that Id been there earlier in the week and promised and assured that my account was fine. I asked to close the account and withdraw the balance. The teller at the bank agreed and I gave him all requested documentation. He filled out a withdrawal slip which I signed. Then after a few minutes of typing, he informed me that he could not close my account or allow me to withdraw any of my money, as my account was restricted pending the closure. I referenced the letter which stated if I visited the branch Id be able to close the account and withdraw the funds. He said there was nothing he could do. Another teller stepped in and said that their hands are tied and said that in these situations they are able to email the fraud department and make a request for me to withdraw the money but that it usually takes several days. I explained that I am frustrated that Id just been there Tuesday and, again, had it been notated on my account or the employees better informed, I couldve initiated the process at that point. I also explained that I needed access to my money for bills and groceries and could not wait for a check. I asked if it were possible to call that department rather than email, and he said no. He said the best he could do was email and hope for a swift response. I accepted this, and he took my phone number and agreed to call me whether he heard back from that department or not by the close of business. He never called me.
I am extremely frustrated by this entire situation. I did everything in my power to be cooperative, vigilant and proactive. I talked to multiple reps in multiple departments, in person and on the phone, over the course of multiple days. Everything I have learned of phishing and scams has said to never try to contact my banking institution with a number that can not be verified as authentic. I was promised and guaranteed and reassured over and over again that my account and money were safe. But for whatever reason, the customer facing employees did not have access to the information of my account closure until the day before the scheduled date. Even so, I did what I was instructed and arrived at the branch prior to that date, and was still refused access to my money. All of this being said, I have no understanding or knowledge of WHY my account is being closed, aside from that the bank reserves to close my account at anytime with no explanation. I do not participate in anything illegal or questionable. I do not make strange deposits or withdrawals. I use my account for typical spending, such as bill paying, shopping, gas, groceries, and things of this nature. I did have one occasion last year where my debit card number had been compromised and I noticed quickly with only small transactions having been made and called promptly called customer care who was able to reverse the fraudulent transactions and issue a new debit card to me. I have never written or attempted to cash a bad check. I am just a normal, low tier consumer bank customer that deals with middle class amounts of money. I am completely appalled that the bank can decide to just hold my money hostage from me and deny me my right to access it, even when they outline in the letter they send me that they will allow me to withdraw my funds. I do not have reserves of cash or other bank accounts. What was in that account was my only money. Now I can not buy groceries, or pay the mechanic when I pick up my car this weekend, and potentially unable to pay the bills that I have due on the XXXX and XXXX of this month if the check does not arrive in the mail by then. This seems like a vulgar violation of my rights and its disheartening to feel a complete lack of faith in the banking system.
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| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I SENT THIS LETTER TO XXXX XXXX XXXX. Since this debt was originally Charged off by the creditor TD BANK USA/TARGET CREDIT charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled by the company, NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statute.
TD BANK USA/TARGET CREDIT -DELETE THIS ACCOUNT IMMEDIATELY XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX it XXXX concern : Per the FCRA as a federally XXXX consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX may have given to Target Credit Card/ TD Bank and XXXX XXXX XXXX XXXX Account to provide my personal information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.
Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY.
I never gave XXXX XXXX, XXXX Any of my information it was SOLD to them by Target Credit Card/ TD Bank which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C . 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
The FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information was sold to XXXX XXXX XXXXXXXX XXXX I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safeguard it was sold with out my knowledge or agreement to. Second, if you receive " nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!
This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency / office sends me valid proof of claim that I am legally obligated to pay you, XXXX XXXX, LLC Please provide me with ALL the below mentioned items : *The original contract with this company * Original Wet Signature on the contract *Audit trail calculation of payment history *All tax bond receipts ( 1099-C, 1099-OID, 1099-A ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount.
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.
Since this debt was originally Charged off by the creditor, charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled by the company, NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A.
* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is.
If your agency can provide me with the requested documents, a Minimum THIRTY ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped.
Also, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, this was charged off by The original creditor which i was suppose to receive a 1099-C and NO FURTHER COLLECTION CAN BE DONE TO THIS ACCOUNT.
If XXXX XXXX, XXXX fails to respond to this debt validation request within a period of Five ( 5 ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company databases, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts.
I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose.
Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.
I AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 Respectfully, XXXX XXXX _________________________________
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| 04/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX/OCC see below emails My credit report is at a XXXX and went down 50 points as TD is reporting me late on my TD VISA. Ask TD why when I call and I have recorded calls- they will not accept my payment. By post or in TD bank- Cease and Desist was added by an XXXX named XXXX XXXX and read the letter he wrote me from the last complaint. Thirst people can not do this! I am going to now sue for all the horrible acts TD is getting away with via CFPB!!!
I HAVE Undeniable proof. Shame on you CFPB for allowing TD violate over and over. The works is XXXX down and TD during a Corona virus reports me late! TD list on line they are willing to help during the Corona virus! What a bunch of liars. Negligence. TD would not take my payment. Charging me late fees and interest and lied over and over.
I will make sure every TD employee and higher up is held accountable for there actions.
Those TD employees were emailed many times a day not one response. No TD visa statement which can only be mailed since its a closed account which again closed the account in 3 weeks. My loan account no access. Told to go in a branch by TD to show I am XXXX XXXX I have many recorded calls, emails and went in the Branch and this was in my prior complaint!!!!
I want to make this clear since I have filed many complaints regarding the many bank violations TD has done over and over. CFPB just forwards the complaint and does not read and allows TD bank to get away with banking violations. I have sent an email to the director of the OCC. TD bank black listed my emails, Will not allow me to make a payment over the phone, not in a branch or the drive thru. I am also told due to the inability to work together and read a transcript. I HAVE Recorded calls. I have not received my TD visa statement sinceXX/XX/2020. They put a cease and desist without my permission!!!! They will not take my loan payments since XX/XX/XXXX. I had to beg for two hours no access to my own loan account!!!! I have been going in circles with these scumbags.
From : XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Fw : Acct TD Visa XXXX XXXX XXXX XXXX. Loan TD Bank, the only creditor reporting me delinquent via Transunion credit report stating I am delinquent as of XX/XX/XXXX. TD put a cease and desist order!!!!! And blacklisted my emails. Meaning they blocked my emails as that is the email message I receive back. TD bank will not take my payments by phone, in the bank , drive through or by mail. I am being told by TD employees they read me a transcript on the phone due to our relationship TD is unable to assist so on and so forth. This abuse needs to stop. I have not received a TD visa statement since my XX/XX/XXXX payment was due XX/XX/XXXX to XX/XX/XXXX statement. My loan which I paid {$6000.00} and not behind charging me late fees and interest. Charging me interest on my Visa of {$71.00} with late fees. I am not late with one other creditor nor have any issues with any of my creditors. This is horrible that TD is abusive and unprofessional. I was in a hardship program with my TD visa. I tried to renew it and once again the games and hours on the phone. Keep in mind I have ample proof TD violated every banking violation you can think of. I am done dealing with being abused. Creditors are assisting people with no issues. This bank is not only trying to sabotage my credit but will do everything in there power in any way possible to harm me mentally. Possibly harming me in some way.
If TD will not speak to me, or assist me in the Branch, and I mailed out my payment to a PO Box from the XXXX chairmans office and still will not take my payments! Someone needs to step in as I will not be mentally abused or physically harm me and have my credit ruined for the egregious acts TD persons have done to me. I have substantial proof.
XXXX XXXX I have emailed over and over. TD black listed my email. So I have filed a complaint with OCC with director. My credit score has gone down 50 points. I have telephone recordings! Proof I was at a branch. Are you people out of your mind!!!
Where is my TD statement! This XXXX from the chairmans office sends a letter which is a bunch of lies which I sent in my prior complaint.
signed by a low end advocate XXXX XXXX who is a complete XXXX and is a liar. I ha e phone records I called TD in XXXX, XXXX and XXXX. I have phone recordings along with my phone Records!!!! CFPB complaint XXXX-XXXX. The whole world is shut down and they are reporting me late!!!! I have stellar credit. These people are the worst low end people.
1. They black listed my emails. I am not allow in a branch. Not because I am a threat if I was than they should take me to Court! Changed my password to my loan account which I have no access too and paid {$6000.00} a head of time. They charged me a late fees on that account and I was not late. I HAVE PROOF!!!
These people are not going to get away with this!!! I have also contacted a Lawyer in the FCC.
From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX ; XXXX XXXX Cc : XXXX XXXX Subject : Acct TD Visa XXXX XXXX XXXX XXXX. Loan Att XXXX XXXX : Another incompetent TD employee. Customer Advocate. How disgraceful!
Mr. XXXX, I called your office and due to this outbreak as you well know I spoke to an official at the OCC and told due to my story I was advised to add you to this email. I have all proof to back up every single claim against TD Bank and its employees who continue to violate banking laws. The list is endless.
1. I am so tired of filing complaints with CFBP and OCC and State Attorney General Office who gave me XXXX XXXX phone number and email address. He did not have the decency to respond to one of my emails!!!!! I have recorded calls, Phone statements, ID numbers of TD employees I spoke too!!!!!
I was in a hardship program for my Visa. I had a direct contact with Director- XXXX XXXX XXXX who no longer works there!!!! I called many times XXXX, XXXX, XXXX to inquire to renew. I was provided NACA phone number by one of your XXXX employees along with many others that would not provide phone numbers or transfer or assist to this so called new department!!!!! I spent hours on the phone!
I have substantial proof!!!! Your hardship department has changed as of XX/XX/XXXX with no letter, and calling over and over with not one person to renew this. This XXXX XXXX XXXX adds a cease and desist!!! TD bank can not even send out a correct dated letter or even debit my TD bank account for my loan payments when I had my bank acct. I have never had one issue with any other creditor accept this hood rat bank!!!! I want this situation over. I will not be abused anymore.
1. I want the interest removed from my TD visa and late fees!!!! No one would take my payment. I was on the phone for two hours. Not one person would take my measly {$42.00} payment. I went in the bank and have no access to my loan. My password was changed and not by me and no one else accept TD bank I was locked out of my own acct. I had to beg someone to take my payment over the phone.
I paid you scumbags {$6000.00} and did not even allocate the money properly. I have late charges. My interest is through the roof!!!! No statements that I asked for! I can not even log in my own account!!!!! I am not behind in my payments!!!!!
I want my loan payments deferred and interest stopped. The same for the closed Visa acct! It was closed after three weeks. There is endless story after story.
I went in TD Bank Branch with my passport, DL, and proof of my residence. XXXX at XXXX XXXX would not assist me and told me my get out as he has the authority through XXXX XXXX that he does not have to assist me.
For the record XXXX XXXX Ive emailed you prior and you did not respond. Many times!!!!
FYI I assure you its the law to assist. I will never go away until your egregious mistakes are rectified.
I want my statements to my loan.
Who is going to assist with hardship for my credit card. Who is going to assist with my loan.
As for XXXX XXXX XXXX on you. By the way I mailed my payment and the check was not cashed!!!!!
You have the nerve to treat me like a peasant and tell me to mail my payment!!!! Ask XXXX why he did not take my payment!!!!! You XXXX!!!
Note : This is the only creditor I am having a three year battle. This has been going on since XX/XX/XXXX!
I am so tired of spending hours to make a payment, to beg people to take a payment and not even late with my payments. I am locked out of my loan account! No statements, late fees, I am not even late. Interest not correct! I go into a TD Branch. My check is not accepted!!!!! What is going on here!!!!!!!
I have proof of every statement I make and witnesses and High Ranking employee In the consumer affairs office that tried to assist me and spoke to TD Bank and its employees. He said- I have been here over 15 years and never seen a case like this along with the hellish people at TD bank. This needs to stop once and for all. NOW.
XXXX XXXX
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| 06/15/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Purchased machine from XXXX for equipment. Made payments even when item was broken just a few months after ( see timeline attached ). Was told wouldn't have anything owed and would be getting a refund even ( told via phone conversation ) got refund for partial amount. They didn't waive other fees as said, turned account over to collections.
I disputed with the collection agency they sent this to ( That company closed the file and sent back to TD Bank ).
Should have XXXX balance and money coming back.
Balance total on invoice that have received from XXXX XXXX XXXX XXXX is {$650.00} We are requesting total refund of {$2600.00} for total bill refunded as you will see below item is not able to be used and we were paying/paid for Item Ordered XX/XX/XXXX o Total {$2600.00} Mid XX/XX/XXXX issue o The bikes resistance & elevation feature were no longer working. This feature would react to the landscape the instructor was taking you through. If they were climbing a hill, the resistance and elevation would increase. Even if you tried to increase resistance and elevation manually, it would not adapt but instead stay static. It took me a week or two but eventually I was able to place a service request on the bike as it was under warranty. XXXX said they would contact a third party vendor to come out and service the bike.
XX/XX/XXXX o We was contacted by XXXX with XXXX. Since XXXX was mailing out the parts, he reached out to confirm I had received the part. We scheduled a service visit for XXXX XXXX XX/XX/XXXX o XXXX did not show up as he was running behind. After many backs and froths, we ended up scheduling a visit for XXXX XXXX.
XX/XX/XXXX XXXX XXXX came out to fix the bike. He said that the part he had to put into the bike, a new XXXX board, was inside the bike. To get to it, he had to remove the middle covering. To do this, he would have to remove the pedal on the left side of the bike. We left him to his work on the bike. XXXX minutes or so he was unable to remove the pedal due to a stripped screw. We asked what the next step should be to fix it & he said he had to order a new pedal & a tool to remove the stripped screw. He said hed order them & they should show up in the next week but he would keep me updated.
XX/XX/XXXX o Text to XXXX ( XXXX ) to ask what the status was on the order. He said they had been ordered but hadnt received any confirmation on shipment. He said he would keep me updated.
XX/XX/XXXX o No response yet on parts so another text to XXXX, We asked if there was any update on scheduling service or the parts. There was no response XX/XX/XXXX o We called back into XXXX to see if we could get another service individual scheduled to come out. I also asked them the update on the parts. They said there was no order placed. XXXX told they would work on getting an order in along with providing a NEW service individual to fix the bike.
XX/XX/XXXX o contacted by a new vendor called XXXX XXXX. We worked to schedule service.
XX/XX/XXXX o They came out this day, however, I had not received the part yet, so there was no service to provide.
Early XX/XX/XXXX o We received the part XX/XX/XXXX o Called to schedule service. At the time, the individual who answered said that someone from the office would call me to schedule a service. I never received a call back.
XX/XX/XXXX o XXXX from XXXX XXXX called me to state they were at my house. I told them I was not there as no one had called me back to schedule a service date. He apologized and said he would send a note to his manager to give me a call. I never received a call.
XX/XX/XXXX o Called XXXX XXXX to schedule a service. The earliest they said they could get to me was on XX/XX/XXXX.
XX/XX/XXXX o I was called and told the individual who was scheduled to come up that day could not make it but rescheduled for the XXXX at XXXXXXXX XXXX.
XX/XX/XXXX o Waited at home for an individual to come. After XXXX minutes and no one showing up, I called the number for XXXX XXXX to see if they could make sure the individual was still showing up. After another XXXX minutes of no contact, I called back and told them to no longer bother sending someone to the house. I was not there & would not be working with an unresponsive company.
o Called XXXX to tell them I would be requesting a charge back for the bike.
o XXXX XXXX team lead for client services team contacted us letting us know they would put a request in with the Product Resolution Team to request a new bike or refund the bike. We needed to provide some requested details on the situation first. This info was not available right away and would need to take some time on our part.
XX/XX/XXXX o Provided her those requested details.
XX/XX/XXXX o Reached out to XXXX and requested an update.
XX/XX/XXXX o She responded and said a product resolution solution had been approved and that someone would be reaching out from the team.
XX/XX/XXXX o We asked what to expect from this team.
XX/XX/XXXX o XXXX XXXX said that I could expect an email, which I had not received from them. She said she would reach out and get an update.
XX/XX/XXXX o We told her I still hadnt received an email. I told her that if I didnt hear anything by Wednesday ( XX/XX/XXXX ), I would be requesting a chargeback. I did not hear anything by the XXXX so I called TD Services & requested direction for beginning the process of a chargeback.
XX/XX/XXXX o Called into XXXX to be provided some details on dates for my call-ins to put on the dispute form. When doing this, the client service individual reviewed the notes on the account & put me in touch with XXXX XXXX. He stated that he showed I had been approved for a new bike. However, through conversation, we found out the reason they had not gotten ahold of me is they had the incorrect email address in the system. I told him we appreciated the offer, but we are requesting a chargeback. He then stated he could get approval for a refund of the bike, if we were comfortable removing it from the house without help from XXXX. We agreed that would be fine and he began the process of a refund.
XX/XX/XXXX o XXXX confirmed that a refund had been approved.
XX/XX/XXXX o The refund was transacted and posted on XX/XX/XXXX in the amount of {$1600.00} Rest of XX/XX/XXXX o Continued to receive calls from TD on paying off the remainder of the bill.
XX/XX/XXXX o Called to find out why the remainder of the bill, {$650.00}, had not been cleared. The individual who helped me stated that there was a pending payback on the account. The way they explained this to me was that it was showing as a credit that would be cleared. They would call back if this was not the case, however, it was under this impression that we believed that we no longer owed anything on the bike.
XX/XX/XXXX o Continued to receive calls from TD on paying off the remainder of the bill.
XX/XX/XXXX o Called back to the client service team to find out if payment had been applied to the account. Again, I was told something like the conversation on XX/XX/XXXX that there was a pending payback and that I would not need to pay anything back to the account.
XX/XX/XXXX o Received a call from TDs collection Third Party stating there was a bill that had been sent to them and they were reaching out to collect on it.
XX/XX/XXXX o After several attempts to be put in touch with a manager at TD, I finally talked to a XXXX on XX/XX/XXXX. XXXX and I were on the phone for 2 hours as she explained to us that whatever We heard from my calls in XXXX was incorrect and that, in fact, we did owe the remaining portion of the bill. We requested that the calls, which she had reviewed, be forwarded to me so I could hear back my conversation. She said she was unable to provide this and if we wanted to dispute the remaining charges, we could do so through a dispute form.
XX/XX/XXXX o Received initial letter from XXXX XXXX XXXX ( Reference XXXX ) with collection attempt along with the verbiage of the Right To Dispute by XX/XX/XXXX.
So here we are now at XX/XX/XXXX. Weve paid off the total of the bike however the amount fees still remain on the account for {$650.00}. The total of the bike was {$2600.00} and we did receive as stated some refund of {$1600.00}. We were told the fees would be waived and nothing more would be needed to pay on this account. However now that the account has been turned over to collections this is false.
We are ; 1. Disputing the remaining debt on this account.
2. Without having to go the subpoena route to get those call records listened to on staying we wouldnt owe anything more we request that get waived 3. We would like a letter showing this along with contents of that letter saying that the three major credit bureaus have not been reported as delinquent.
4. We are requesting a refund of the {$940.00} to be sent to us.
5. Requesting a letter showing a recap of this resolution.
|
| 01/10/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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XXXX associated complaint filed yesterday.
This complaint involves the ongoing saga of TD Bank.
On Friday XX/XX/XXXX after following TD Banks instructions on how to deposit an insurance check getting the check endorsed so on and so forth which I did. On Saturday XX/XX/XXXX my debit cards were cancelled without notification to me. I discovered the cards were cancelled when I was faced with an almost XXXX mob in the express checkout lane of XXXX when my cards didnt work. I was forced to return some items, scrounging around in the bottom of my purse for available cash.
Today reluctantly XX/XX/XXXX I went into the other XXXX XXXX branch of TD bank to get new cards re-issued. I was told by telephone customer service that my accounts had not been closed.
For some reason, the tellers were having problems printing new cards which they assured me was not due to the conflagration on Friday XX/XX/XXXX. As I was standing there a man came over. I had told the tellers a pared down version of what happened. When I starting talking about the problems with the insurance this man seemed to know who I was.
In front of all the tellers, other customers in the bank this man started berating me for what he perceived as my misconduct. He told me he had been upstairs in the XXXX branch. I asked if he had been there why he had not chosen to come down to address the issue. He didnt seem to recognize me I had never seen him before.
He said he was the regional marketing manager who had been supposed to contact me which he never did. He just started in on me berating me, accusing me of racism. I have a XXXX XXXX XXXX. I had XXXX XXXX XXXX because of a bicycle accident. As by this point I had been standing for about an hour I was in pain. This man I found out XXXX XXXX just laced into me. I asked him why he chose to abuse me in front of everyone instead of taking me to a desk to talk to me alone. I told him he knew nothing about my ethnicity. Given that XXXX is 80 % XXXX, and probably 100 % immigrant he was taking a huge risk by accusing me of being racist. My lawyer is XXXX, his assistant is XXXX. I am an immigrant.He got physically confrontational putting his head inches from me backing me further into a corner by both being physically threatening and verbally abusive. I pointed out to him there were cameras all over the ceiling. I am challenged in mobility so there was not much I could do other than wait for him to stop.
I pointed out that at this very moment in time all the staff in the bank were young male XXXX with not a woman in site. I am XXXX years old. XXXX XXXX was not the first abusive man I have ever dealt with. I did what people normally do with bullys I stood there, unable to move away, just looking at him. He was yelling at me that TD bank was going to shut down my accounts. He said I had been referred to security which was the first I ever heard of this. I asked him what I had done that had been so awful besides trying to deposit this check. He said it was because I had asked the assistant manager XXXX XXXX what her qualifications were besides not knowing what a third-party check was and what double endorsement meant. I asked him what was wrong with that. He then said it wasnt what I asked but how I asked it. I then asked what he meant by that but he refused to say what was so wrong. Its the sign of an abuser to accuse a victim of something that cant be substantiated. He was yelling at me that my behavior had been so awful that I had to be escorted out of the XXXX branch by police. He was yelling at me that I had been asked to leave and refused so the police had been called. Again, he did this in front of all the tellers. By this point they were aghast. Everyone was pale and shocked.
I was never asked to leave on Friday XX/XX/XXXX. At the time, the police officer came in I was sitting at an empty desk talking to TD Bank customer service who had me on hold, who had returned to my call. I am not sure what the customer rep had said to me something along the line of she couldnt help me further but she terminated the call just as the police officer came in. TD Bank records calls to the call center just as they have cameras everywhere so every move, everything I said was recorded. In short, TD Bank set me up to make it look like I was the unruly customer when I had been waiting for thirty minutes just to talk to a rep. The call itself had been about 45 minutes in duration.
XXXX XXXX said that a disagreement had occurred a year and a half ago. I asked him what that was. He wouldnt and couldnt tell me. In that time I had just returned to school and completed a XXXX XXXX in XXXX so I had absolutely no idea what he was talking about but he made it seem that I had done something really terrible. I have no idea what he meant at all. I complained about excessive overdraft fees, some of which were refunded. Approximately 20 months ago I received a cash settlement which required the bank to check with my lawyer and I had sat in that branch for about 3 hours waiting for them to clear the funds which had been over {$10000.00} so I had no idea what he was talking about at all.
I am not sure how TD Bank justifies this abuse. I had been in the branch yesterday XX/XX/XXXX to deposit some cash into my account. Today XX/XX/XXXX I had been patiently waiting while they printed a new debit card. I believe XXXX XXXX was trying to set me up again by talking in a belligerent tone, physically threatening me. I have been in TD bank branches many times without incident. I have been so busy in the past 20 months completing the XXXX XXXX and working that I have barely been into a branch much less away from my desk so all of this was completely bizarre. I have been working really hard to get myself an education, to get out of debt, to move on with my life even though at my age work is difficult to find.
I believe XXXX XXXX was attempting to create an incident to justify whatever they were planning to do to me. I believe that I was treated in an awful manner because I am a middle-aged XXXX woman. I said to him that had I been a middle-aged man in a suit I would have been treated differently. XXXX XXXX said the same thing in her speech at the XXXX XXXX. He said I was talking loudly in the XXXX branch. I told him that I was losing my hearing something that is common in someone my age besides which as I was using their phone, it probably was reassuring to them that I was talking to TD Bank if they could hear me which I doubt. He was screaming at me that TD Bank was going to close my accounts, that I was going to get a letter in the mail. None of this made sense to me. He repeated asked me why I continued to bank at TD Bank. He continued to forcibly yell at me that I was not a valued customer, that I was a horrible customer, that TD Bank did not want me as a customer. He repeated this repeatedly in front of a lot of people, in front of customers who were totally perplexed to see a middle-aged man, a manager of the bank just verbally abusing me for seemingly no reason at all. There were a lot of witnesses. This was shocking even for XXXX.
I called customer service again when I left the bank. I told them that I was in tears, that I was very upset as I have been over this whole situation. I now believe because of XXXX XXXX behavior that I have been bullied over the insurance check. I had done everything that I was required to do, I had obtained the endorsements. My lawyer had told me what TD Bank had insisted I do was not legally necessary. He had faxed a copy of his notarized signature on his letterhead as TD Bank insisted. Bullys do this. Bullys ask for impossible tasks to be fulfilled then berate their targets when this doesnt occur. This is what happened to me. I realized this as I stood there being yelled at that I was not wanted. I am like XXXX. This is a bank. This was a completely insane situation. Banking has legal implications. TD Bank was giving me grief over an insurance check that I was entitled to as a homeowner having spent a lot of my own money removing trees that had fallen on my house and caused damage.
I have been totally discriminated against as a woman, based on age and my national origin. The biggest clue is that TD Bank had zero interest in resolving this issue. It was a check, properly endorsed and my lawyer had given me permission to deposit the check. For most of this tirade I was just looking at him, just thinking wow, if you had known the XXXX I have been through was what running through my head.
The strange irony of the situation is that I rarely leave my house. Getting the insurance check endorsed has been the longest I have been out of my house in 20 months.
|
| 12/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Cc : XXXX, XXXX, XXXX Bcc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XX/XX/XXXX at XXXX XXXX XXXX, XXXX and TD Executive Leadership, Please take this email as a formal escalation to immediately stop all mortgage refinance actions for XXXX XXXX and XXXX XXXX as it is 110 % evident that you do not want our business and your inaction is an actual deterrent and trying to evade our business. All of this is quite surprising - given the years Ive spent at TD as an previous XXXX and the strong credit demos my husband and I have established ; with those factors, I made the poor judgement of thinking that this refinance transaction would be smooth and seamless. But TD has not only proved me incorrect, but has MASSIVELY inconvenienced us in the process. This entire experience was a complete waste of time, money, and resources on our part please take this as a formal request to stop immediate refinancing exercises with the bank and remove all and any credit inquiries and/or tradelines to our bureaus as we do not wish to continue business with TD.
Im copying Executive Leadership on this note because I think its important for this group to understand that getting back to basics in servicing could have been an ultimate game changer in this experience ; but since even the basics, like timely requests and transparent dialogue, cant be handled within such a big business line leads me to assume that there may be a shaky future for your institution. As a fast follow on I will ensure that all of our accounts and investments with TD are closed as well.
Your immediate remediation and follow up is requested. Also, for your convenience, Ive included a brief synopsis of the experience below please feel free to contact me directly if you wish to have an egregiously overdue conversation regarding legitimate concerns. If my experience to this email follows the same suit as my previous emails, I will forward to legal counsel and all appropriate regulatory agencies.
Regards.
XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, PA XXXX Details : XX/XX/XXXX2020 o Initiated refinance with TD Bank Mortgage.
o Both XXXX and I completed all requests for documentation and access to credit within one business week through the TD portal.
o Both XXXX and I completed all phone interviews and recordings within the business week mentioned above.
o Received a settlement date of XXXX/XXXX/2020.
XX/XX/XXXX Received a request from a gentlemen to come and assess the value of the home. Keep in mind we never received any heads up from the TD team that an appraiser and/or his name or business title would be coming to our home. Missed opportunity to ensure the satisfaction and security of your customers. But, at this point, it felt like knit picking on my part ( and not a symptom of whats to follow ) ; so XXXX and I just kept the train moving down the tracks. NOTE : WE HAVE YET TO RECEIVE ANY VERBAL OR WRITTEN NOTICE OF ASSESSMENT OF THE VALUE OF OUR HOME!!!!! NOTHING!!!!
XXXX XX/XX/XXXX2020 No correspondence. No updates. No phone calls. NO FINAL ASSESSMENT OF OUR HOME ( in which we let a stranger into our home during a pandemic ). All of which led us to assume all the effort and compromises we put in over the previous six weeks were all set to go for XXXX/XXXX/2020 ( closing day ).
XXXX XXXX 2020 at XXXX EST literally 34 hours prior to settlement day of XXXX we receive a request from XXXX XXXX for the below information and that we are pushing closing to XXXX/XXXX/20!!!!!! No discussion. No inquiry if that worked for us. No explanation. No phone call. No apology. : o Evidence of Homeowners insurance which was previously provided in XXXX through the TD Portal o XXXX explanation to previous inquiries from XXXX for refinance couple things to unpack here : It is a great concern to me that Im putting hundreds of thousands of $ s into TD, and you cant even get my husbands named spelled correctly.
Timeliness why ask this question less than two days to closing? Mistakenly, we pivoted from XXXX to TD because at the time I worked at TD, had a number of accounts ( both debit and credit ), and some stocks ; it seemed best to consolidate financials into an organization, that at the time, I had complete faith and loyalty for.
o XXXX to provide all page of fully executed divorce decree with settlement agreement confirming child support payments.
I DO NOT HAVE ANY BIOLOGICAL CHILDREN. Im assuming that you need no further explanation as how this request leads me to have a significant lack of confidence in TDs general aptitudes.
My divorce is more than a decade old and I had no settlement agreements tied to the separation. Although, the nature and timing of this request does lead me to ask the question around indiscriminate discrimination ; does TD lend differently to divorced individuals?
o XXXX ( note in this request same email my husbands name is spelled correctly ) all page of fully executed divorce decree with settlement agreement confirming child support payments.
Again timeliness of request.
o XXXX and XXXX updated paystubs.
Previously provided.
XX/XX/XXXX two hours after receiving XXXX email request and the notice of closing date push by a week!!! I responded with the below requests/concerns - which at that point, if operating within a genuine culture of Legendary Experience, would have been treated as an escalation as I was clearly a frustrated customer. But its clear to me now, that you dont treat your customers, or at least your employees, with the any sort of consistency and/or level of XXXX service.
o XXXX as we move into the holiday season, Im less than thrilled that this is being pushed until next week and the very inconvenient tasks that should/could have been handled more than 30 days ago. Why was this pushed? Can we wrap this up by XXXX ( XX/XX/XXXX20 ) as originally planned? With regard to the divorce decrees I am legitimately irate about this request as we could have loaded all of these labor intensive materials into the portal over 30 days ago, no we are thrown this last minute request ( its labor intensive since both of our divorces are over a decade old and have little to no relevance on this mortgage request our previous tax ad account documents show our full financial picture and proof of no tax/title leans on previous mutual properties of which there were none ). We will see what we can pull together, but if we are going to belabor this until next week I want this mortgage request reassessed at the lower rates currently available since this agreement is more than stale and new information/tasks are being requested of us.and at the last minute with an inconvenient push to next week.
Question to the group how does TD receive a note like this from a customer and just simply choose not to respond.AT ALL!?
XXXX XXXX, 2020, XXXX EST XXXX and I provided responses and materials requested ( including duplicated tasks that were already fulfilled, ex. Homeowners insurance policy, and divorce decrees ). NO RESPONSE from TD.
XX/XX/XXXX, XXXX EST Email from me ( XXXX ) asking XXXX and XXXX to confirm that theyve received my original note of escalation and confirmation that they have received all that they need. NO RESPONSE from TD.
XX/XX/XXXX, XXXX XXXX EST Another note to XXXX and XXXX confirming they are receiving my emails. NO RESPONSE from TD.
XX/XX/XXXX2020 Another note to XXXX and XXXX asking if I missed anything from them regarding my service concerns and/or if they needed anything else. NO RESPONSE from TD.
XXXX XXXX, 2020 Yet another note to XXXX and XXXX stating that I have not received a response or confirmation on any of my emails and I am extremely worried and, at this point, livid. NO RESPONSE from TD.
XX/XX/XXXX2020 Another note and..you guessed it.NO RESPONSE FROM TD!!!!
Now as you can imagine, there are a number of fair lending and regulatory escalation management themes above but the one thing I truly cant seem to get over is the blatant disregard for any level of customer service from your organization as a entirety, but within such a big revenue business and with prospective customers with extremely strong credit..seems like bad business to me. But at least at this point, we cant go any lower, and Im assuming I will hear nothing back from TD Bank. But it is the holiday season.so theres still some hope, I guess.
|
| 09/03/2019 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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XX/XX/2018, Delivery Via CFPB, Board of Directors, TD Bank XXXX, XXXX XXXX XXXX XXXX, Maine XXXX - Dear Members of the Board, Please accept this as a Formal Notice of the following allegations and facts as they are known to me. The Sarbanes-Oxley Act ( SOX ) was designed to restore investor confidence in capital markets and help eliminate financial statement fraud in publicly traded companies, while at the same time significantly increasing the penalties for corporate accounting fraud. I have developed material fact, giving rise whereas it is alleged, TD Bank is currently benefiting from false liens followed by the entry of false and fictitious data into a state-maintained a database to falsely account for money. - TD Bank / Duty to Investigate - Several factors go into a Board of Director 's decision as to whether a fraud investigation should be performed. One of the most deciding factors is where applicable federal law would require an inquiry into the fraud or disclosure of known fraud to a government agency. Should TD Bank find the law imposes such a duty of the Board, its Directors, and Officers, and the company fails to comply, severe penalties can result. Several laws impose disclosure requirements on businesses, including 1 ) Monitoring and public reporting statutes, 2 ) The Sarbanes-Oakley Act, 3 ) False statement statutes, 4 ) Civil law duties to a company and its shareholders, 5 ) Accountants and internal auditors duties to investigate, 6 ) External auditors duty to investigate - The Securities and Exchange Commission - The SEC takes the position that senior management and corporate counsel who fail to investigate alleged misconduct and fail to establish appropriate procedures for limiting the prohibited conduct may be held liable for violation the Foreign Corrupt Practices Act ( FCPA ). Similarly, directors and others specified in reporting statute are responsible for ensuring the accordance of required corporate public filings, such as prospectuses, proxy statements, and annual reports. The SEC has held directors liable for reporting violations may exist not only when responsible individuals actually know of misconduct, but also where they know of facts that indicate possible wrongdoing. The SEC has stated that it will not tolerate benign indifference to employee misconduct. Thus an internal investigation into XXXX XXXX XXXX as Trustee and or Custodian, counterparties of TD Bank seems appropriate and necessary under the well-documented circumstances to ensure that public statements and reports are accurate and or amended and, where required, to establish adequate procedures to prevent and limit the illegal conduct. The failure to investigate can lead a company to include inaccurate or misleading facts in public filings, for which the company and its directors and other senior management may be held liable even absent fraudulent intent or actual knowledge of the falsehoods. That having been stated, please consider yourself, as a member of the TD Bank, Board of Directors, hereby Noticed of Document Custody Errors due to the failure of TD Bank, its trustee ( s ), predecessor in interest, successor in interest, parents, affiliates, subsidiarys, agents, employees, officers, directors, shareholders, and attorneys relating to the ongoing loss and harm, from certain obligations, debts, known to TD Bank, due to the failure to transfer accurately, under 12 CFR 1024.35. This failure has resulted in the assignment of False Liens and Clouded Title against 33 unknowing property owners resulting in Unmarketable Title to approximately {>= $1,000,000} of adjoining real property on XXXX XXXX. TD Bank, as Servicer has the duty with respect to document custody to monitor and oversee lien assignments, including the recording of assignments, which include document exceptions. TD Bank failed to oversee the assignment of False Liens against multiple properties located within the XXXX XXXX subdivision further described and recorded in Map Book 9, Page 27 of the XXXX XXXX County Register of Deeds. One such property is my home, XXXX XXXX XXXX, XXXX XXXX, NORTH CAROLINA XXXX. My property was wrongfully encumbered due to, XXXX XXXX XXXX, Trustee allegedly conspiring with one or more third parties by Double-Pledging multiple unrelated contracts against my home and my neighbor 's homes. The underlying deed was returned to XXXX XXXX XXXX, and marked Paid in Full and Satisfied, recorded in Book 2439, Page 0236 at XXXX XXXX County Register of Deeds. This deed was further encumbered by and through the attachment of Seven un-constitutional hidden C-PACE liens. Upon information and belief, material issues exist with respect to the underlying contract, as most significant the custodian lacks possession. TD Bank having again been made formally aware of these continuing and ongoing errors under 12 CFR 1024.35. It is the understanding of the undersigned, XXXX XXXX XXXX trustee is responsible for enforcing the representation and warranties that the seller/depositor gave. As such, XXXX XXXX XXXX manufactured a " SELLER '' affidavit titled Lost Note Affidavit wherein Mr. XXXX XXXX for Parcel Identifier No. XXXX, yet, Mr. XXXX XXXX lacked a valid interest in this deed, therefor Mr. XXXX XXXX could only sell what he had, which was nothing. XXXX XXXX XXXX remains in physical possession of this unencumbered deed recorded upon Book 5061, Page 653 upon the XXXX XXXX County Register of Deeds. Neither XXXX XXXX XXXX or XXXX XXXX XXXX have provided any representations or warranties to TD Bank or any other party with respect to these deeds. These deeds have not been sold by the fee simple owner nor has any interest been, granted to a trustee, or a third party for hypothecation or rehypothecate purposes. Here it appears TD Bank by and through other parties participated in a scheme of double pledging assets they did not own, and now are unable to deliver the treasury, causing a daisy chain of cumulative repo-fails. As has been explained to me, a repo fail occurs when one party steals an asset it does not own, therefor the thief is unable to return the treasury to the owner. To remove any ambiguity, at no time did XXXX XXXX XXXX, apply for, borrow or become obligated for loans in the sum ( s ) of {$560000.00} and {>= $1,000,000} respectfully for the benefit of TD Bank or a third party. XXXX XXXX XXXX / XXXX XXXX XXXX reserve all rights in common law, statutory law, both Federal and State and in equity resulting from ongoing ensuing losses by the failure of TD Bank and its Trustee, XXXX XXXX XXXX to properly oversee monitor and investigate these facts as they relate to the Foreclosure Action under a DOT from XXXX XXXX XXXX, including but not limited to any claims arising under the Fair Credit Reporting Act, the Fair Debt Collections Practices Act, the Truth In Lending Act, and the Real Estate Settlement Procedures Act. Please take further notice, a self-described high bidder wrongfully took and carried away the personal property of the undersigned and his XXXX year old son without the consent of the Note Holder, ( The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the Note Holder. ) This as the note is not lost, it was correctly returned to the undersigned borrower marked paid in full and satisfied. Whereas, good and credible evidence exists in support of the above, respectful demand is hereby made upon, the Board of Directors of TD Bank, given the large sums involved, to facilitate an emergency board meeting allowing Board of Directors to mitigate ongoing losses believed to cloud property titles, pledged with certain government entities, deeming each deed un-marketable and collectively having a value believed to exceed an {>= $1,000,000}, therefore notice is hereby provided to the Board of Directors to reserve accordingly. In the interim, a request made upon TD Bank to prioritize the physical return of the personal property to XXXX XXXX XXXX that was wrongfully taken and carried away without the consent of XXXX XXXX XXXX. I would invite the Board of TD Bank to contemplate the outcome of destroying the property rights and records of homeowners who never defaulted on the mortgage and are now forced to litigate boundary disputes and property rights with adjoining neighbors, along XXXX XXXX. Regards, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, NC XXXX.
|
| 08/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I had originally filed a complaint about TD Bank with the CFPB on XX/XX/XXXX. That complaint ID number is XXXX. To summarize, I included an additional principal payment with my normal mortgage payment, and it was mishandled. The entire payment was put into unapplied funds instead of being applied properly. TD Bank fixed the payment after the complaint was filed.
TD Bank has performed the same actions every month since then with my extra payment. Every month I put in an extra principal amount. I fill out their payment coupon properly, clearly stating in the line marked extra principal the extra amount. Every month, the payment is put into unapplied funds until I call or possibly a week later. During these times, my online account has always stated I owe {$0.00} on the first of the month. I wrote a follow up to my original complaint, but it was unanswered.
This last month, XXXX, I made yet another mortgage payment with an additional principal. The payment was made on XX/XX/XXXX. As normal, the payment showed up as unapplied funds. I waited a few days, and this time, the payment was changed improperly. Online, it showed my unapplied funds going totally to my extra principal instead of a normal mortgage payment with additional principal. My online account also was updated since the first of the month stating that I owe my normal mortgage amount, due this past XX/XX/XXXX.
I called TD Bank on XX/XX/XXXX concerning this. I was told my issue had been forwarded to a higher department to fix. As of today, XX/XX/XXXX, the funds have still not been applied properly. My mortgage was due on XX/XX/XXXX. Since these funds were not properly serviced by TD Bank, I am now late with my mortgage payment.
It is quite obvious TD Bank is in direct violation of the UDAAP ( unfair, deceptive, or abusive acts or practices ). TD Bank repeatedly mishandles my mortgage payments. A quick view of my payment history shows how every month I have dealt with the same issue. Having my online mortgage statement say I owe XXXX $ is deceptive. Adding this extra burden for me to repeatedly and constantly follow up every mortgage payment with phone calls and non-stop monitoring is unfair. TD Banks response to my previous complaint included a phone number for me to call if issues re-appeared. That phone number is incorrect. Again, more blatant abuse from TD Bank. There is no way I can avoid these abusive acts by TD Bank.
Please review my previous complaint & unanswered follow up to that complaint, attached below. I believe any hint of a late payment should be expunged from all records, credit reports, or other history and TD Bank should be heavily fined for these continued unfair practices.
ORIGINAL COMPLAINT : On XX/XX/XXXX I attempted to pay my mortgage at a TD Bank Branch. The mortgage payment coupon/slip clearly states " Mortgage Payment ''. It also has a part for you to add additional principle or additional escrow and to total. I added an additional XXXX towards my principle. The transaction took quite a while and included XXXX members of the staff including the manager. I heard them clearly state to put the amount of XXXX in the extra principle field. I received a simple receipt stating I made a " LOAN PYMT '' in the total of my normal payment plus the XXXX extra principle. On XX/XX/XXXX, my account had not been properly credited. The online account showed there was a Misc Receipt made on XX/XX/XXXX, and the outstanding balance of my mortgage had not reflected ANY payment since the prior month. I went back to the branch that day and spoke with the manager, XXXX XXXX. She was one of the employees present when I attempted my payment. While with her, she contacted her account support by phone. They said my payment was used as a pre-payment for future mortgage payments, NOT as a normal mortgage payment with an extra principle deposit. Ms. XXXX explained how the local branch put applied the payment accordingly and was told something went wrong. She was reassured the issue would be corrected that evening and the change would show the next day. This change would also reflect the payment was made on the XXXX XXXX. Ms. XXXX suggested in the future I write two checks and make separate payments to my mortgage if I want to pre-pay my principle. This is a bit odd as the mortgage coupon/slip and the banks system has a spot for me to make an extra principle deposit. I was also told by Ms. XXXX that she would follow up with my payment and contact me the next day to ensure it was done properly. I have not received any contact from TD Bank as of yet. As of today, XX/XX/XXXX, my account has NOT been updated. This costs me the daily interest accruing on the mortgage. It is very wrong for a bank to treat its customers this way. I do not blame the branch employees, as they did what they could have to make the proper payment. Requiring me to write separate checks to make extra principle payments should not happen.
ORIGINAL FOLLOW UP : Prior to receiving TD Banks response to my compliant, I received a phone call from XXXX XXXX on this issue. My account was properly adjusted as stated. I was told if I have any other questions to contact her directly via the number on the reply I would ( and did XXXX receive. I believed everything would be fine and this complaint could be put to rest. In XXXX, I made a payment to my loan for the normal amount plus XXXX extra principle. The check cleared my bank on XX/XX/XXXX. My online account once again had the payment entered as a Misc receipt. I tried to contact XXXX XXXX via the number given to me on TD Banks reply to this complaint, XXXX. That number does not reach XXXX, but a voicemail for XXXX XXXX I left messages with no reply. There was no indication XXXX XXXX has any affiliation with TD Bank. I later looked at my cellphones history and tried the number I was contacted from after the first complaint. I left a message with my name. I did not receive a return call, but the next day, the funds were properly allocated. The next paper statement mailed statement states unapplied funds were added on XX/XX/XXXX. It continues to state on XX/XX/XXXX the proper amounts were taken from the unapplied funds. Online, the account shows all transactions happening on XX/XX/XXXX. In XXXX, I made the payment for the normal amount plus XXXX extra principle. The check cleared on XX/XX/XXXX. I tried calling the number from TD Banks response again to no avail, it was still for XXXX XXXX and she never returned my calls. I have since lost the other number which may or may not be related. It was not until this morning, XX/XX/XXXX, in which my account has been properly updated. Maybe it was because I called to inquire about the payoff amount the night before. There is no reason in todays technological environment that this should occur. In my conversation with XXXX prior to the TD Bank response to the complaint, I inquired on how I can help TD Bank properly process my payment. I was told there was nothing more I could do as filling out the coupon properly does this. Looking back at my mortgages history, I see that back between XXXX & XXXX I regularly made payments with extra principle. They were consistently deposited properly. Both my online account history and paper statements prove this. Why has TD Bank chosen to make this a challenge now. My online account has misleadingly said the amount due was XXXX since this issue was supposedly resolved back in XXXX. Even though the proper amounts were finally distributed today, my account still states I owe XXXX on XX/XX/XXXX. I will receive my statement in the mail with an amount due soon, as I have in the past. It will state I own my normal payment, as expected. Why does the website try to deceive me? It seems like TD Bank has a pattern of improperly applying my mortgage payments as instructed. It is unfair that I can not seem to avoid this extra effort to ensure this account is serviced properly and in a timely manner. I was more than willing and tried repeatedly to contact XXXX instead of continuing this complaint. Unfortunately, that too was fruitless. In searching online, I have noticed I am not alone. Others have also had their additional principle put into unapplied funds. ( see https : //www.consumeraffairs.com/finance/td_ameritrade.html for one example ) This pattern of unfair and deceptive practices should be stopped.
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| 07/13/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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I have a TD bank checking account. Overdraft protection was set up on the account originally. If I overdrafted my account, sometimes they would still pay it and then charge me a fee. Those types of fees I don't have an issue with. When cash flow was tight, but still coming in, being able to overdraft helped keep things moving. It was like a short term loan to cover the expenses for when I knew money was coming in, just might be in another day or two. I pay a fee for the benefit of borrowing that money for a few days. No problem there.
Last month things changed and my business went through a big drought. We have not been generating revenue. I called customer service on XX/XX/XXXX to alert them to my issues and that I wanted to get my account positive and then turn off the overdraft protection. Just need some time to tread water and work with my suppliers without the extra burden of fees. I paid the money required to cover my negative balance that resulted from the overdraft-paids and the overdraft paid fees and maintenance fees for my account. The rep then gave me a credit to cover the portion of the fees that came from the NSF transactions. This got my account into a positive status. She then turned off the overdraft coverage on my account so that nothing would be paid if there were not enough funds. They then have a program where they refund overdraft fees so long as the account is returned to a positive status by the following day. In theory, this protection should always negate NSF fees and help for those instances where an overdraft-paid comes up and then one day later you deposit cash to cover the overdraft paid and in that case you wouldn't be charged the overdraft paid fee. " Please note that if you made sufficient deposits to bring your available balance back to at least {$0.00} by XXXX XXXX. EST on the next business day after the items that overdrew your account posted, we may have refunded any overdraft fees that were assessed to your account for those items. '' Since we turned off the overdraft-paid feature, this should have always been the case. I start with a positive balance, transactions then hit that overdraft the account, the charges are then all returned for NSF the next day, any money out should equal the money back in. Since I turned off the overdraft-paid, those deposits should always be sufficient to bring my available balance back to at least {$0.00} by XXXX. on the next business day. However, this did not work as they would lead you to believe. Here is how it actually worked with my balances...
For one day- everything worked out as it should : XXXX XXXX this is the day I worked everything out with the customer service rep. My balance started the day negative and then at some point during the day we got the balance back to positive {$1.00} two transactions hit that day for {$210.00} and {$170.00} account ends the day- {$390.00} XXXX XXXX the two transactions are credited back and my balance is now back to positive {$1.00}. A {$70.00} NSF fee is charged and my balance drops to finish the day at - {$68.00} I receive a notice saying : " The available balance in your TD Bank account was not enough to cover items presented for payment on XX/XX/XXXX, XXXXAs a result, an overdraft fee of $ XXXXmay be assessed for that day 's activities. Please note that if you made sufficient deposits to bring your available balance back to at least {$0.00} by XXXX XXXX. EST on the next business day* ( *BusinessdaysdonotincludeSaturday, Sunday, orFederalHolidays. ) after the items that overdrew your account posted, we may have refunded any overdraft fees that were assessed to your account for those items. To avoid accruing additional fees, please establish and maintain a positive available account balance. At the time of printing this notice, the minimum deposit needed to bring your account to a zero balance was $ XXXXThis deposit amount does not take into consideration any outstanding items. '' XXXX XXXX an NSF grace fee refund is credited back to my account for {$70.00} and my balance is back to {$1.00} ... all is well Now here is where it starts getting messed up again...
XXXX XXXX three transactions hit and the account ends the day- {$2600.00} XXXX XXXX those three transactions are credited back and the account is back to {$1.00} again. Everything that caused the account to overdraft on the previous day is back. {$2600.00} came out, {$2600.00} was then deposited back in the next day. The account is back to positive {$1.00} and now it's a new day .... later that day, three more transactions post- XXXX XXXX XXXX - {$170.00}, XXXX- {$36.00}, OVERDRAFT RET - {$100.00} .... the account ends the day - {$310.00} I receive another notice same as before- " The available balance in your TD Bank account was not enough to cover items presented for payment on XX/XX/XXXX, XXXXAs a result, an overdraft fee of $ XXXXmay be assessed for that day 's activities. Please note that if you made sufficient deposits to bring your available balance back to at least {$0.00} by XXXX XXXX EST on the next business day* after the items that overdrew your account posted, we may have refunded any overdraft fees that were assessed to your account for those items. To avoid accruing additional fees, please establish and maintain a positive available account balance. At the time of printing this notice, the minimum deposit needed to bring your account to a zero balance was $ XXXX.This deposit amount does not take into consideration any outstanding items. '' XX/XX/XXXX ( next business day ) - two credit transactions come in XXXX XXXX XXXX {$170.00}, XXXX {$36.00}. My account balance is now at - {$100.00}. The only thing not credited is the nsf grace fee refund for {$100.00}. Had that been credited, I would be back to {$1.00} again by XXXX and all should continue. For some reason that {$100.00} was never credited this time. I'm still unclear why. I think it has something to do with XX/XX/XXXX being a federal holiday now and maybe their system that credits these things did not understand that. The rep on the phone kept spitballing out possible reasons but none of them made sense. Now because of this, the account never returned to positive that day and created a snowball effect after that. I told the rep it really makes no sense. Everything that caused the account to overdraft has all been credited back except your fee. You already know I don't have money right now, so you charge me a fee that you know I can't pay, telling me if I pay the fee before the day is done, you won't actually charge me the fee anymore, but if I can't come up with the money for the fee, you're going to charge me the fee? It's like a " gotcha '' it's just crazy. The other items that caused the account to overdraft were paid back. If your system had just credited me back your fee, my account would have been back to positive.
the XXXX continued and out came XXXX XXXX XXXX XXXX - {$180.00}, OVERDRAFT RET - {$70.00}. the XXXX finished with a balance of - {$350.00} Now I receive the same letter as before for those {$70.00} overdraft fees saying : " The available balance in your TD Bank account was not enough to cover items presented for payment on XX/XX/XXXX, XXXXAs a result, an overdraft fee of $ XXXXmay be assessed for that day 's activities. Please note that if you made sufficient deposits to bring your available balance back to at least {$0.00} by XXXX XXXX. EST on the next business day* after the items that overdrew your account posted, we may have refunded any overdraft fees that were assessed to your account for those items. To avoid accruing additional fees, please establish and maintain a positive available account balance. At the time of printing this notice, the minimum deposit needed to bring your account to a zerXXXX balance was $ XXXX.This deposit amount does not take into consideration any outstanding items. '' So now the snowball begins. the amount on this notice is that {$100.00} fee plus this new {$70.00} fee minus the {$1.00} I had in there. The account never returns to positive again and none of the fees are ever credited again. My balance is now - {$460.00}. all fees. {$460.00} that I never receieved any benefit from, all resulting from your system not crediting me that first {$100.00} fee back.
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| 01/14/2022 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Virginia XXXX TD Bank Dispute/Complaint XXXX. XX/XX/XXXX, I opened an account with XXXX XXXX XXXXTD Bank a . Original credit limit {$7000.00}, free interest for 12 months b. Payments due XXXX of every month c. Never missed a payment and late one time on XX/XX/XXXX ( last payment ) 2. XX/XX/XXXX ( see attachment ), received a letter informing me of a reduction of my credit line a. It caused my score to go down and I called customer service to complain XXXX. XX/XX/XXXX, I phoned TD to ask for a deferment and was denied because I received one in XXXX and was told by the agent the policy is one and one only.
a. I explained my financial situation was worsening due to the COVID-19 Pandemic and I was struggling.
4. XX/XX/XXXX, closed account I phoned TD Bank Customer Service on XX/XX/XXXX and informed them I had lost 98 % of my business revenue and customer base due the COVID-19 Pandemic/Lockdown and asked if there was any program under the CARES Act that could help me, maybe a deferment, even though I was denied previously.
Narrative, XX/XX/XXXX XXXX. TD agent told me pay what I can, when I can and transferred me elsewhere to discuss my options a. I was connected to another agent with a very thick XXXX accent b. Again, explained my situation and she gave me an option to spread my outstanding balance over a XXXX period ( the max ).
I was on the phone with her for approximately an hour while she tried to find someone to help me, but no one was available. The agent reassured me she made the appropriate notes and references on my account and would escalate it to a supervisor in the Forbiddance department and he or she would get back to me within three working days.
I waited the three days and called back to many times to count and was told the following ; Narrative 1. There is no such department : at least ( 3 ) times 2. The information the agent told me was not correct and a supervisor was not going to call me back On or about XX/XX/XXXX, I received the standard dept collection calls which have not stopped, slowed down or otherwise, but no calls about the Forbiddance program/application.
Narrative 1. The call was standard and as I explained my situation for the 10th time and was extremely frustrated, mentally exhausted and crying uncontrollably, the agent interrupted me and started to pray and preach to me.
XXXX. I explained I had been waiting since XX/XX/XXXX, for someone to get back to me about the Forbiddance program and was still waiting.
XXXX. She put me on hold to confirm some details and said she noted my account and escalate the matter to management/supervisor of that department 4 XXXX At XXXX p.m. I received a text message, it read ; a. Hello, is this XXXX XXXX?
b. I would never have done this, The Father told me to send you this, I will always be here for you XXXX!!
I was extremely apprehensive and paranoid once I realized it was the agent I was just talking to and became hysterical after noting she was still at work. I honestly believed it was some kind of set up or information gathering to be used against me in a retaliatory way. It made me feel very uncomfortable and because I have complex mental health issues ; XXXX, XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX ) I was in a space of disassociation which is a coping mechanism when I am face with an extreme and uncontrollable event and or drastic life change.
I finally received a call from the Forbiddance Department in early XX/XX/XXXX and after completing the questionnaire the agent told me I was denied and when I asked why she told me my disposal income was not enough for approval and told me to pay what I could, when I could and when my financial situation improves to call back and I could apply again.
I recently checked my XXXX credit file and my score dropped by ( XXXX ) points because TD reported my account delinquent without any prior notification and reported it while I was still waiting to hear back from anyone in the Forbiddance Department. Between XX/XX/XXXX, to present TD has never uttered a word of their intentions, not in any of the 10 plus telephone conversations nor by email or any other electronic communication.
On XX/XX/XXXX, I received a letter from TD with the explanation as to why I was denied help. On XX/XX/XXXX, I phoned TD and again explained my situation and explained about my credit report and was transferred to XXXX in accounts ; Narrative 1. I again repeated my situation/frustrations 2. Explained I lost 98 % of my business revenue 3. I was XXXXXXXX and now receiving food stamps 4. I was desperately trying to save my business a. I applied and received the first round of SBA EIDL Loan for small business b. I was in the processes of the increase request c. SBA delays and I was 000.000.1 % away from completion and getting the funds I need to save my business d. Because TD reported me as delinquent my score dropped which could very well impact my application as SBA has a score guideline and use XXXX to access eligibility e. I asked to him to remove the negative from my credit report and quoted the amended CARE ACT, amended on XX/XX/XXXX and asked if TD adhered to that, he failed to answer and instead responded with it is policy to report delinquent accounts, ( I asked approximately 5-6 times for TD to remove it, he continued to repeat the same, we report delinquent accounts f. I had requested e-statements via the online portal ( urgent ) and received an email confirming complete, yet no statements attached or accessible via the portal. He committed to mailing them to me.
g. I asked for copies of all my phone calls from XX/XX/XXXX to present, he told me it is policy not to release them to the public and when I asked for where I could find that information in the XXXX & XXXX he told me its in my original financial agreement. I let him know I had it and asked what section he was referring to. He put me on hold and apologized as he misspoke and its not in the XXXX & XXXX but still a policy h. When asked if he could confirm our conversation via email, he refused I receive on average ( 3 ) collection calls from TD per day and an estimated ( 2-3 ) hang up calls per week since the beginning of this. During one of the many phone conversations, I expressed that I had been waiting since XX/XX/XXXX for someone to get back to me and had my phone glued to myself in anticipation and was ready to proceed. The agent told me those calls were XXXX XXXX.
I have disputed the delinquency with XXXX and am in the process of filing a dispute with the rest. In addition, I have utilized the messaging option on the online portal to request the following.
1. E-Statements from opening the account to present 2. Without Prejudice, demanding they remove the delinquency Post Hast based on the facts, amended law/s under the COVID-19 Pandemic, along with a host of other NC and Federal Laws and have received confirmation emails each enquire has been completed, with no further information how I can access it and or their response to my concerns I am in the process and or waiting for the following information ; 1. My mobile phone call logs 2. Statements 3. Written, verbal and or electronic response to my email messages 4. Copies of my calls to and from TD I received a collection call today, spoke with XXXX, very nice and again reiterated the same thing and she couldnt stop apologizing and saying things like oh my, unbelievable, Im speechless whilst she tried so hard to make it right and light, the matter remains unresolved.
TD Bank has caused me extreme mental and physical distress beyond my ability to cope without being heavily medicated and even then its difficult. TD has caused me XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a host of other ailments that are having a serious and adverse effect on my life, situation and well being. TD Bank has broken me, my spirit and at times my will to live, and the last time I felt that way was in XXXX when I attempted to take my life and was in a coma for two days.
Please make note I have every written document, screen shot, text messages, etc. regarding ALL the above.
Many thanks, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX
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| 10/28/2023 |
Yes |
- Credit card
- Store credit card
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Target Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Sworn Affidavit Validation of Debt Date- XX/XX/2023 Notice To Agent Is Notice To Principal Is Notice To Agent ( I am putting Target on Notice ) Account numbers- XXXX Dear CEO/ President Target XXXX XXXX You stated that I owe you an alleged debt that I would like to be validated under the UCC, FCRA, FCPCA as accurate and complete.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnisher of information to provide accurate information ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
I am requesting a validation of debt request in accordance with 15 U.S. Code 1692g - Validation of debts. Which states ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
If you are not able to validate this debt under 15 U.S. Code 1692g ( b ) that states If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
Under my God-giving rights under this sworn statement affidavit statement saying Target can verify I own this alleged debt with a signed contract with my two wet signatures and the promissory note with my signatures under the penalties of perjury in reference to my rights under the UCC Code 3-308. PROOF OF SIGNATURES AND STATUS AS HOLDER IN DUE COURSE. Which states ( a ) in an action with respect to an instrument, the authenticity of, and authority to make, each signature on the instrument is admitted unless specifically denied in the pleadings. If the validity of a signature is denied in the pleadings, the burden of establishing validity is on the person claiming validity, but the signature is presumed to be authentic and authorized unless the action is to enforce the liability of the purported signer and the signer is dead or incompetent at the time of trial of the issue of validity of the signature. If an action to enforce the instrument is brought against a person as the undisclosed principal of a person who signed the instrument as a party to the instrument, the plaintiff has the burden of establishing that the defendant is liable on the instrument as a represented person under Section 3-402 ( a ). In order to validate and verify this debt is mine under UCC Code 3-308 there has to be proof of my signature on the contract ( instrument ) you want to collect debt on.
Under Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER V - DEBT COLLECTION PRACTICES Sec. 1692g - Validation of debts, please provide me with ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( 6 ) Bill of sale ( 7 ) Proof of Purchase ( 8 ) Accounting Record ( 9 ) Proof of Contract ( 10 ) Privacy Notice ( 11 ) Balance Sheet ( 12 ) Proper Service ( 13 ) Full Account Disclosure ( 14 ) Interest Rate Sheet ( 15 ) Sign authorized Charges Furthermore, please send a certified contract not a photocopy of the promissory note to validate that this account is mines and that you are able to report on my credit profile. Please validate that this is a true bill that owe to Target. A true bill according to XXXX law dictionary is an agreement of a grand jury with a prosecuting attorney that an indictment needs to be made against the accused person. True bill is stamped on the document. Please also send a lawful contract signed by both parties which makes it binding between both parties. Stating that Target and I have given substance according you the contract law of XXXX. Also send all validation of debt and all paperwork linked to the alleged accounts with Target from the alleged creditor.
Please certify in a sworn affidavit under the penalties of perjury and color able law that all states of rebuttal to this sworn affidavit are true and correct to the best of your ability with your signed signature.
Please send me copy of this sworn affidavit via receipt of this affidavit Please respond in 10 days or this affidavit will then become binding according to contract law of XXXX. Furthermore, I will have an opportunity to cue and place a judgment on Target.
If you fail to respond in 10 days I am going to presume the debt isn't true in the first place or it has already been paid in full I am respectfully requesting that if you can not provide the following information above that you delete and remove these accounts from my credit profile immediately. This inaccurate and untrue information is ruining my credit worthiness to purchase a home and under the United States Constitution my pursuit to happiness.
To deny the procedure to discharge public debt is fraud, conspiracy, racketeering, collusion, theft of public funds, dishonor to commerce and a discharge must be granted to me according to the UCC CODE 9-406. DISCHARGE OF ACCOUNT DEBTOR ; NOTIFICATION OF ASSIGNMENT ; IDENTIFICATION AND PROOF OF ASSIGNMENT ; RESTRICTIONS ON ASSIGNMENT OF ACCOUNTS, XXXX XXXX, PAYMENT INTANGIBLES, AND PROMISSORY NOTES INEFFECTIVE.
Please respond back in writing with another sworn affidavit since that is the proper way to rebut another affidavit under UCC Code Article 3.
If you do not respond with the information requested I will have all grounds to sue for defamation of character under 15 USC Code 1681 s-2 ( b ) and 15 U.S. Code 168n- Civil liability for willful noncompliance. I will seek monetary damages from Target under the United States UCC laws if these accounts are not immediately removed from my credit profile.
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| 12/06/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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Complaints Filed with cfpb Submission XXXX XXXX XX/XX/XXXX ; XXXX Stated my case in an argumentative style.
Response : On XX/XX/XXXX Reg E : XXXX was initially filed claiming fraud. Claim was denied for the following reasons : There were no card present attempts after card was closed by the customer. Indicating fraudster knew when the card was closed. PIN number was entered correctly on the first attempt. No indication Pin number was compromised. Upon receipt of the escalation, leadership reviewed and upheld the denial Card Present PIN used transactions occurring in between claimed fraud not being claimed indicating card in possession No closed card attempts made with card at point of sale after card was closed by the customer. Case considered closed Submission XXXX XXXX XX/XX/XXXX ; XXXX Added additional information and attached additional documentation. Did not change approach to complaint to style of argument Response : Same as to submission XXXX
Submission XXXX : XX/XX/XXXX ; XXXX I didnt change my facts or assertions for this submission but I presented them in a different way after researching other consumers complaints for fraud with TD Bank, N , A which had been successful. I went back to a narrative argument and presented evidence refuting the reasons for detail point by point.
Response : On XX/XX/XXXX Reg E : XXXX was initially filed claiming fraud. Claim was denied for the following reasons : There were no card present attempts after card was closed by the customer. Indicating fraudster knew when the card was closed. PIN number was entered correctly on the XXXX attempt. No indication Pin number was compromised. No closed card attempts made with card at point of sale after card was closed by the customer.
Upon receipt of the escalation, leadership re-reviewed and upheld the denial Card Present PIN used transactions occurring in between claimed fraud not being claimed indicating card in possession Denial stands, case considered closed.
Finally, I had managed to solicit a response that seemed to respond to my information and at last I had made progress bringing the reasons for denial down to one. I could address this issue and was hopeful believing the end was in sight at last.
Submission XXXX : XX/XX/XXXX ; XXXX I submitted this last complaint to address the one remaining point of contention from TD Banks response to my last complaint. It was an assertion that my card and PIN ( it had been changed, indeed all of my information had been changed, facts well known to the bank ) were used in between the claimed fraud and non fraud. This was essentially not possible. I did not have my card. I was at home and not running around shopping. I called in and asked for my account to be closed on XXXX XXXXXX/XX/XXXX which I documented using the notification from XXXX. Either TD did not follow my instructions which is possible as I know that the fraudster removed all my fraud alerts from the account, and changed the email and phone number so that they would be contacted rather than myself regarding the account. I have no idea when this was done but again the bank is well aware this occurred and knows when it occurred.
Response : On XX/XX/XXXX, the Reg-E claim ( XXXX ) was filed claiming fraud. XXXX debit card transactions provided on this dispute, totaling {$4500.00} o XXXX XXXX {$130.00} o XXXX XXXX XXXX {$8.00} o XXXX XXXX XXXX {$13.00} o XXXX XXXX XXXX {$31.00} o XXXX XXXX {$5.00} o XXXX XXXX {$15.00} o XXXX XXXX {$83.00} o XXXX XXXX XXXX {$10.00} o XXXX XXXX XXXX XXXX {$54.00} o XXXX XXXX XXXX {$69.00} o XXXX XXXXXXXX XXXX XXXXXXXX {$13.00} o XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$3.00} o XXXX XXXX XXXX {$10.00} o XXXX XXXX {$320.00} o XXXX XXXX {$130.00} XXXX XXXX XXXX {$13.00} o XXXX XXXX {$23.00} o XXXX XXXX XXXX {$16.00} o XXXX XXXX {$320.00} o XXXX XXXX XXXX {$97.00} o XXXX XXXX XXXX {$200.00} o XXXX XXXX XXXX {$200.00} o XXXX XXXX XXXX {$200.00} o XXXX XXXX XXXX {$200.00} o XXXX XXXX {$420.00} o XXXX XXXX XXXXXXXX {$500.00} o XXXXXXXX XXXX XXXX {$300.00} o XXXX XXXX {$280.00} o XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$400.00} o XXXX XXXX XXXX {$7.00} o XXXX XXXX XXXX {$4.00} On XX/XX/XXXX XXXX XXXX : XXXX claim was denied for the following reasons : There were no card present attempts after card was closed by the customer. Indicating fraudster knew when the card was closed.
PIN number was entered correctly on the XXXX attempt. No indication Pin number was compromised.
No closed card attempts made with card at point of sale after card was closed by the customer. Upon receipt of the escalation, leadership re-reviewed and upheld the denial Card Present PIN used transactions occurring in between claimed fraud not being claimed indicating card in possession Denial stands, case considered closed. The statement you provided with your complaint only shows posting dates for transactions. Our internal records show the authorization time received from the merchant, and they indicate unclaimed transactions in between claimed transaction on a stolen card.
Im sure you can see my frustration. Just when I thought the end was in sight they circled back and argued those points my previous complaint had addressed and they had dismissed in their response. Just when I thought we were all on the same page and the end was in sight I felt the rug being pulled from under my feet. During this past XXXX that has happened countless times. I have jumped through every hoop that TD presented me with and complied with every request always with assurance that this bit would surely see the claim approved. Obviously, it never worked out that way but clearly we were not. It is a hamster wheel of a cycle and I hope I have successfully shown that TD Banks failure to provide a response that directly addresses the circumstances particular to myself.
They point out that they have access to further information. Great, I am aware that they are also well aware that at some point on XX/XX/XXXX my online access ( email and password ), PIN, fraud alerts, and phone number were all changed on my checking account. I was not responsible for those changes nor do I know the identities of the persons or persons who were responsible. I had no way to access this account once I had been alerted to possible fraud and it seems that my phone call to their customer support requesting a freeze be placed on my account was either not done or the fraudsters were able to recover the account. The bank knows the answers to these questions. I do not but I have taken note of the dates they have referenced my closure of the account. They quote the day I entered the branch in person but not the day I was alerted and called to request the account be frozen until I could get into a branch. Since I have never received any of the correspondence TD claims in their responses to have sent to me by XXXX. Not a XXXX letter was received at my address dealing with this issue. I have asked in each of my submissions to have the documents relied upon by TD in reaching their decision. Those also have never been forthcoming though I have understood that providing them to me at my request is required by law.
In the response to submission four TD notes specific amounts debited and Im assuming they are saying those are the transactions that I have marked as fraudulent. In fact the response makes reference to the statement I provided as XXXX of my supporting documents, giving the impression of a thoughtful and considerate review of my claim. However, if you look at the statement as it is attached to submission XXXX the charges highlighted do not match the amounts that the response references. It is this sort of response which has frustrated me from the outset. The reply looks comprehensive on the surface but closer examination reveals that it is relying on facts different from those attached to the complaint. I am again requesting a review of my claim for fraud. I am reattaching the supporting documentation as submitted with submission XXXX XXXX XXXX and request that TD make a truly thoughtful and considerate review of my claim for fraud and ask that they rely on these documents for same.
|
| 11/03/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
XX/XX/XXXX I was trying to use my computer program XXXX. We were unable to log in so I went online under a XXXX search and located a company called XXXX XXXX XXXX. I called in to seek help with my log in issues. I made sure to use my TD bank card knowing if I had any issues I figured I would have a company behind me to protect me of any scam/fraud companies from stealing my money. During the entirety of the day, this company that pretended to offer me a service never actually gave me a service and took from me XXXX. I made a call 5 hours after my initial purchase to the dispute department at TD bank. In this phone call the woman I spoke to XXXX, called the real XXXX company and we verified that the company that I was dealing with was in fact a scam. She made sure to cancel my card and start a dispute process.
Over the next few weeks we would be back and forth giving our story in explaining that although I did authorize this purchase I have yet to receive the service for said purchase. Even now to XXXX I have not heard back from the fraudulent company pretending to offer a service for XXXX XXXX repairs. All of my responses to the TD card services were faxed through a local TD bank branch in the town I live in.
The very first response I had to make was after a phone call with a representative telling me that I had to write my side of the story by no later than XXXX or the case would not be reopened. I faxed a letter on XXXX XXXX. It was not until XXXX XXXX before I actually received a mailing from TD Bank regarding what the dispute paperwork needed. Which was very slow on there part and unprofessional. The second letter that I received was on XXXX XXXX, dated for XXXX XXXX. This letter gave me 3 days time to respond again or the case would be closed. The documents in this paperwork showed the company I was filing the dispute with gave TD card services a receipt of my authorizing a purchase. Which I have. Which I never denied. What I have said all along is that this company never gave me a service. I explained that they did however, before any purchase was made go into my computer via a remote PC repair program and steal my personal information as well as put a virus to destroy my hard drive. I am sure TD is getting this confused with the service. Either way I did not pay for a service to destroy my computer either. So in my second response I again made sure to note that I had not received any service from this company. I also made aware to them that this place has changed its name in that time frame to another company name and that online there are a few complaints of this company ( XXXX XXXX XXXX XXXX XXXX ) of scamming its supposed customers.
I received what I am going to relate to as my last letter from TD bank. Which only told me that the merchant gave them a rebuttal documentation and that they are closing the case and I would have to deal with the company on my own now.
I was so upset, I had already been trying to work with the company with no response. And now my own credit card company was denying me of a fighting chance at not being scammed out of money for a service that was never provided. I made it a point that day, XXXX XXXX. ( the letter dated for XXXX/XXXX/XXXX ) to go to my local branch and speak to the manager. She herself was disappointed with TD bank for pushing this aside and she offered her help. She called into the department and was treated very rudely for even attempting to help me. They told her that they closed the dispute out and that I would have to pay the XXXX. The manager explained that the documentation that they had was only authorizing the purchase which I had never denied. So she asked the woman she was speaking to, maybe to consider reopening this case as it seems they ( TD bank ) had made the error by putting the dispute through improperly. She was told she would get a call back or myself in the next 3-5 days.
No call was made. We waited until Friday XXXX XXXX to make another attempt to call again. In this call she was again treated very unprofessionally and many of those representatives denied giving her their name as in they seemed to know something was done wrong. They again shut her down by saying the documentation from the ( XXXX XXXX XXXX XXXX ) was enough to close out the case. She was very upset and told me she would see about speaking to her manager. But at the same time I think she was afraid to loose her job if she did anymore for me.
I made sure to file a complaint with the FTC, the BBBXXXX website about the company pretending to be a XXXX XXXX website. I also made contacts on XXXX XXXX with the attorney Generals office and the XXXX county Consumer affairs in New Jersey to try and verify this companies address for the XXXX which had now changed their website to XXXX XXXX. They also kept the same number. In that phone call I was told they had no dealings listed and the address was a vacant parking lot. My heart shattered.
I felt this was important information that maybe one more chance the TD bank dispute department would help me. I called in and spoke to the very first kind representative with the dispute department. She also said she could see there was a mistake and the information I was giving her should be important to reopening the case. She also apologized and offered her deepest apologizes in the mistake that TD had made with this case. I was again told I would get a call back in 3-5 days.
I called in XXXX XXXX to ask what was going on. With the Dispute department. I was told the case was closed and would not be reopened. I also asked why I never received a finalized letter explaining why I had to pay this charge in the findings. I also asked where was the proof that this company ever gave me a service. I was treated very unprofessionally and shut down with rudeness from the representatives. At this point I felt all of my rights as a consumer were denied. TD bank was supposed to protect me and at least give me a fighting chance. Instead they did not follow through. They were too slow in giving me my mailings. Offered absolutely no assistance.
I made further attempts by mailing a letter to XXXX XXXX the EVP of TD bank in New Jersey as well as I filed a personal complaint with the TD bank card services department in a letter I mailed to them on theXX/XX/XXXX I mailed those letters first class and have that they were delivered in 3 days of my mailings.
I received a call from a XXXX XXXX who told me she was the supervisor of the dispute department. She was also very rude to me at first, and I mean very rude. I know it may be her job but she was very disrespectful to someone who has done much business with TD bank and has their own personal accounts with this particular bank. She tried to tell me that I did in fact get help which after I explained how it was all a mistake made on their part for not giving me a fair chance at fighting against a company that never and still had not given me a service that is where they not only failed me as a bank but they denied me my rights as a consumer. Because I did not get a fair shot at even denying what TD claimed to be a final notice, I lost my chance at again fighting this charge. She told me she would look into it and follow up in a few days to let me know what the final decision would be. I have made multiple attempts daily to contact this XXXX XXXX, and she has also failed to return any of my calls. Again not following through and treating its customer with disrespect and unprofessional-ism.
I am at a loss as to what to do. The complaints I made with the BBB about the company came back that the company denied existence, yet they still have a website. Same phone number. TD bank wont help me. I have a charge on my credit card that is for a service I still have not received. I made months of attempts in trying to get help and TD Bank was my only chance, and they denied me that. I am so disgusted wit how TD bank treats its customers. They should make good of this error. But they will only keep ignoring me and passing it off to someone else who will not follow through.
|
| 04/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
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On XX/XX/XXXX, we began the process of refinancing our home loan through TD Bank for a more favorable rate and shorter term. At the time of application, we locked in a rate of 2.25 % at the cost of XXXX points. That rate lock was good until XX/XX/XXXX. We were given a verbal commitment from the loan officer of a closing date of XX/XX/XXXX.
We began to submit all requested documentation to the TD Bank through their secured server, and when requested, we updated or provided any and all additional documentation to them.
On XX/XX/XXXX, we received a " Conditional Approval Offer '' from TD Bank, with the need to provide additional documentation to the underwriters, which were updated home owners and flood insurance declaration pages showing TD Bank as the mortgagee of record, updated income statements and a signed Property Inspection Waiver ( PIW ), which the Bank was going to provide us the form. We updated all the requested documents except for the PIW, since the Bank did not forward that form right away. As far as we knew, all was in order for TD Bank to process with the processing of the application and closure of the loan as indicated.
As XX/XX/XXXX approached, I contacted the loan officer via phone to inquire if that closing date was still valid and asked for an update. The loan officer basically informed me that due to a " shake up '' within the lending department of the Bank, our loan would be delayed but the loan officer was hopeful to close by the end of XXXX. As that proposed closing date approached, I sent an email to the loan officer asking for an update on the status of our loan and the cause for the delay. I received a response from the loan officer in early XXXX informing me that I would be receiving a request for updated documentations soon.
On XX/XX/XXXX, I received an email from a person who identified themselves as our " Single Point of Contact '' ( SPOC ), apologizing for the delay in the processing of the loan this time citing the pandemic and " ... .tremendous backlog of files ... ... '' that they were working on as fast as they could. The SPOC went on to state, within that email, that we should be closing by XX/XX/XXXX, if not sooner, so as to complete the process of the refi. As a reminder, XX/XX/XXXX is the day our rate lock was scheduled to expire.
On XXXX XXXX, XXXX, we received the aforementioned " updated '' documents via the secure server, and contained in those documents was a request for us to sign and acknowledge that our rate lock would be extended until XX/XX/XXXX. The rate lock agreement sent showed our rate lock set at 2.25 % but an increased cost to us for that rate, to XXXX in points. Another document forwarded was an " updated '' Loan Estimate which showed the increase cost of the extended rate lock, but failed to show the removal of the property appraisal costs, which was covered in the signed PIW from XX/XX/XXXX, as the loan estimate also failed to show the inclusion of the projected closing costs rolled into the loan, as we requested. Upon receipt of those referenced documents, I called the loan officer to discuss the change in fees, the lack of the removal of the appraisal fee, and the lack of inclusion of the projected closing costs in the updated loan estimate. The loan officer assured me, verbally, that the as long as we were not responsible for the rate lock expiring, the original rate lock agreement would be honored. The loan officer also assured me that the appraisal fee will be waived, and that the costs of refinancing the loan will be rolled into the overall loan.
After that phone conversation with with the loan officer, and not hearing from anyone after a couple of weeks, I followed up these short comings by the Banks lack of response and sent an email to the loan officer, their supervisor, the SPOC, their supervisor and the listed underwriter, all with no response of any kind from any of those individuals. The email I sent was a strongly worded, non-threating communication expressing our frustration, concern and other thoughts about why this process was taking so long and what, if anything was causing this delay. Our frustration would continue.
Needless to say, XX/XX/XXXX came and went with no action moving towards the promised closing date ( s ). I once again contacted the loan officer, this time on XX/XX/XXXX, and the loan officer assured me that our frustration was understood, and that the loan XXXX would, in their words, make this refi close by the end of XXXX, that the loan estimate would reflect the original rate lock agreement of 2.25 % at XXXX points, the appraisal fees would be removed as promised with the acceptance by the Bank of PIW, and that the costs for the loan closing would be rolled into the Loan estimate.
On XX/XX/XXXX, I received an email from the loan officer assuring us that " ... ..I am working on getting updates for your file and confirming a closing date. '' On XXXX, XXXX, XXXX, via the secure server, we received a request to review and sign updated documentation regarding our loan. The updated documentation was a change in the rate lock agreement, keeping the rate at 2.25 % BUT raising the coast of the rate lock agreement to XXXX points. The Loan Estimate also failed to show the removal of the appraisal fee, and also fail to show the inclusion of the proposed closing costs in the total refinanced amount. For the record, we did not sign this third series of documents sent to us on XX/XX/XXXX.
We did follow up with an email to the loan officer, their supervisor, the SPOC, their supervisor, the underwriter and even included TD Banks customer service department, and as one might guess, ALL failed to elicit a response from anyone.
I have provided a compressed course of events that we have experienced in dealing with TD Bank. The only representative that I have actually talked to is the Loan Officer, since we were never provided any other means of communicating with any other representatives other than email. Virtually all emails that we sent either went unanswered or we were given general responses to our detailed inquiries, For the record, i have all the email communications, all the documents sent for review and/or signing saved. I do not have any phone conversations recorded by myself, but each time I talked to the Loan Officer, I was reminded were were on a recorded line.
In closing, I can assure you we were not responsible for any delay in the processing of this loan, Our credit history is " exceptional '', as noted by various credit monitoring agencies, with our scored in the XXXX 's. Our deb to income ratio and debt load are very favorable. In our modest opinion, TD Bank has absolutely no reason not to offer us a refinancing loan with the rate and terms were originally agreed to back in XXXX, XXXX.
We are at a lost as to why TD Bank has not secured this loan and processed this application in a timely manner. While the actual " lost '' of money is subjective at best, their delay in dragging this loan process out for a minimum of 5 months has cost us overpaying our current mortgage at the higher rate, money that would have been better served in paying lower monthly interest rates and applying more to the principal of our current mortgage.
We thank you for the opportunity to voice our " story '' as you asked and if needed, please do not hesitate to let us know if there is more information or details that you would like to see upon reviewing this communication.
Lastly, we will be closing on a refinanced Loan with another lending institution on XX/XX/XXXX, at the rate of 2.25 % but, unfortunately, with a dramatic increase in discount points to secure that rate. That entire process took 26 days in total, starting XX/XX/XXXX and closing on XX/XX/XXXX. If nothing else, it reassured us that what we thought should have been an easy process was in fact just as we hoped.
Stay safe, be well and thanks for listening.
|
| 09/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Hello. I'm not sure I picked the right choices for why I am filing this complaint but I wanted to file it anyways. Please forgive me if I picked the wrong reasons. If I need to I will file another one with the appropriate choices. What I really need is your help. I am being robbed by a furniture store as well as by TD Bank.
Back in XXXX of XXXX, I went to XXXX XXXX to purchase some furniture. I bought several pieces and financed over {$5000.00}. I was happy with my purchase and thought everything was fine until things I've never even heard of in my life happened. The furniture was never delivered to me. I'm going trough all the documents I've been provided by the creditor and the store, the police reports filed, and my recollection of events, and nothing makes sense. What is occurring sounds so ridiculous that even I can't believe it had it not been myself who is going through this. Hopefully I can describe this in a way you can understand what is going on and why I need your help. Honestly I'm one more letter away from hiring a lawyer to help me fight this and sue Mor and TD Bank for the thieves that they are.
As I was stating earlier, on XXXX of XXXX I purchased some furniture from XXXX. XXXX advised me it would take some time for them to deliver the pieces to me because they didn't have everything in stock and they had to wait for it to arrive from the manufacturer. I waited and I waited, but it didn't arrive. When XXXX came around I received a call asking about my first payment. I had let whoever called me know that I still hadn't received the furniture yet but I was told I still had to make a payment. If I didn't, I would be sent to collections and my credit would be ruined. I made the payments because I felt like I had no other choice. When XXXX came, I still hadn't received my furniture. What happens next is the absolute worst experience I've ever had in my life.
On XX/XX/XXXX I ended up leaving on a trip to XXXX XXXX and I was going to be going for the rest of the week as well as the weekend. What seems to be like magic now is that the very same day I get a call from XXXX saying they are going to deliver the furniture. I advised them not to because I was not at home and I couldn't take possession of the furniture. I let them know I would call them when I was back in town so they could then deliver it. XXXX didn't listen. Unfortunately, I had to learn the hard way that they didn't listen and that they were delivering the furniture the next day when I wasn't there. The way I found out is because the house I was living at during the time was my father 's investment property. The neighbors ended up calling my father to tell them there was a truck with individuals taking furniture from the property. This is where things start to get very convoluted. More so because when I'm looking at the documents provided to me by TD Bank and XXXX XXXX regarding this account, none of it makes sense at all.
Once I received the call from my father telling me what was going on, I had to rush back home to try and figure out what was happening. When I get home, my house is wide open and almost ALL my belongings are gone from my house. The furniture, appliances, personal belongings, everything. I file a police report immediately but that didn't seem to help with anything. Sounds crazy right? It gets even worse.
Not only am I possession less now, but XXXX XXXX claims they delivered the property and I had to pay for it. I try for months to fight them because I never received my property and I had a police report to prove I wasn't even home for a delivery but they kept insisting that they delivered it and I had to pay or I would be sent to collections. For a few months I do pay because I don't know what else to do, but I do eventually give up. It isn't just or fair that I had to pay for something I never received or that they delivered to " someone '' but who isn't me.
For years I try and dispute this account with the credit bureaus, XXXX, and TD Bank, but it gets me nowhere. Finally I get in contact with a company that helps people with their credit this year. They advised I do a fraud report and and ID theft affidavit. I let the company know I already filed a police report on this but never did an ID Theft affidavit. I filled one out, notarized it, and submitted to everyone involved with this account. XXXX XXXX, XXXX / XXXX XXXX /TD Bank , and even the credit bureaus. Just recently I receive a letter from TD Bank dated XX/XX/XXXX where they denied the fraud. They listed several key points as to why they denied the fraud but I think it's a very weak investigation and their reasons are foolish and shows how lazy they were in investigating this fraud claim.
The first reason they give is because they say " the merchant provided a signed sales receipt and/or delivery confirmation, copies enclosed for my records. '' Well of course they provided those. I did say I purchased the furniture and I signed the purchase receipt. That is not in contention. It's the other part that really worries me and why I am very close to hiring an attorney to sue XXXX as well as TD Bank. The delivery receipt is dated XX/XX/XXXX. That is two days after I purchased the furniture. However, the signature on the delivery isn't even a signature. It's two initials which say XXXX. I am not XXXX, my initials are not XXXX, I have no relative with the initials of XXXX, and I've never had anyone living with me with the initials of XXXX. In fact, in their own merchant copy of the sales order they provided me, they have my signature as well as sections on it which have my written initials. My initials are XXXX. and they are written completely different than their delivery receipts which have XXXX written on them. Could they not see this when they decided to provide me these documents as their so called proof? It gets even worse! in one of those documents where the XXXX is written on the document, they have pictures of a room with the furniture installed. Those are not pictures of my house. Where did they take those pictures at? Who did they deliver this furniture to? If this is not proof of a heist or a conspiracy against me then I don't know what is.
The second point of contention TD Bank is that " account history indicates prior acknowledgment of the account. '' Again, how lazy can you be? Of course I acknowledged the account ... As I stated many times, I did go to the store and I did place a purchase order for these items. That is not in contention and that is besides the point. The point is I never took delivery of these items. Why am I being charged for items I never received? What does my acknowledgment of having purchased the items have anything to do with this fraud claim?
The final point of contention by TD Bank and why they denied this fraud claim is that " payments were being made on the account from XX/XX/XXXX until XX/XX/XXXX. I suppose that is my mistake. Because I was not well versed with how things worked back then, I was placed under heavy duress from Mor Furniture and TD Bank to pay for this because I didn't want my credit to be ruined and I didn't want any trouble. Looking back I know that was foolish because my credit was ruined anyways. All I can say is I was scared, and restate I wasn't quite as versed as I am now in how things are supposed to work.
I understand these are serious allegations against TD Bank and XXXX XXXX, but what they have done to me is far more serious. Now that I have finished writing this, I am certain I will file a lawsuit against XXXX and TD Bank if they don't remove this from my credit report at once. I should not have to pay for furniture I never received, or was stolen from me, or from what their own documentation seems to suggest, was delivered to someone else and was fraudulently stated it was delivered to me.
|
| 09/27/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
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|
On XXXX, for Black Friday XXXX, Target had the following promotion : Free {$20.00} Target Gift Card ( GC ) when you buy {$100.00} in XXXX XXXX, which I purchased for a total of {$96.00}. ( 4 % discount for using my Target Card ) On XXXX, I tried to redeem my {$100.00} XXXX XXXX and an error appeared. I immediately called XXXX Support. XXXX stated that, unbeknownst to me, Target deactivated my {$100.00} XXXX XXXX a mere two days after I purchased it. XXXX gave me the case number XXXX ( in case Target needed to reference any information ) & stated I must contact Target for a resolution.
I then called Target, who gave me the case # XXXX. Throughout this process, Target Support has consistently failed to forward info to move my case further along forcing me to make a multitude of calls. I have been hung up on repeatedly & have wasted numerous hours without reaching a resolution. All calls to Target & XXXX Support regarding this case are attached via screen captures.
On XXXX Targets " research team emailed me ( attached XXXX XXXX ) stating my {$100.00} XXXX XXXX had not been activated properly & my refund request was being processed. Targets statement directly contradicts XXXX assessment, stating Target deactivated it two days after my purchase, which begs the questions : If my {$100.00} XXXX XXXX had not been activated properly, then why was my Target RedCard still charged? Also, why did I have to ask for a refund months later if Target admitted they didnt activate it properly ; why didnt Target credit my account immediately?
On XXXX, I logged into my Target RedCard account which showed an incorrect refund of only {$76.00}. I immediately called & sent another email ( attached XXXX XXXX ) for my case to be looked into further.
On XXXX, I received what looked like a copy and paste response of an email ( XXXX XXXX attached ) that completely mischaracterized and misrepresented the specific elements surrounding my case which stated : [ my ] refund will be reduced by the value of the promotional gift card if the qualifying purchased item is returned without the promotional gift card. The gift card needs to be returned unused if returning an item that qualified for a free gift card with purchase. If gift card isn't returned, the return value will be reduced by the amount of the free gift card. I hope this better explains the reasoning behind why your refund was for {$76.00} and not the {$96.00} that you paid. If you would of returned the promotional gift card with the XXXX gift card, then we would of been able to refund the full {$96.00}.
Targets response is a poor attempt at an excuse that is not relevant to my case.
According to Targets email, my refund would be reduced by the value of the promotional gift card if the qualifying purchased item is returned without the promotional gift card.
I had already used my free {$20.00} Target GC in XX/XX/XXXX, having no idea that when I went to redeem my {$100.00} XXXX XXXX in XX/XX/XXXX, that Target deactivated it. Why would I have not used my free {$20.00} Target promotional gift card? Is it Targets expectation that promotional gift cards be redeemed only when the consumer confirms that Target has not yet made the original item purchased unusable, unredeemable, and ironically, nonreturnable? When I redeemed my free {$20.00} Target GC, I expected my {$100.00} XXXX XXXX would still work when I went to redeem it in the future. Why would I have returned my free {$20.00} Target GC if it was my intention to redeem my {$100.00} XXXX XXXX as I thought it would work as it should?
Target also states in its email The gift card needs to be returned unused if returning an item that qualified for a free gift card with purchase. If gift card isn't returned, the return value will be reduced by the amount of the free gift card.
I didnt use my {$100.00} XXXX Gift Card . I couldnt. Target deactivated it.
Targets email also claimed If [ I ] would of returned the promotional gift card with the XXXX gift card, then we would of been able to refund the full {$96.00}.
First, my {$100.00} XXXX Gift card was not returnable ; Target deactivated it without my consent or knowledge. How could I return a gift card that, according to Target, wasnt activated properly and had a {$0.00} balance? Also, per Targets return policy on their website, XXXX XXXXs can not be returned.
Even in Targets email, they reinforce the argument I am trying to make that what I purchased was indeed worth {$120.00}, by claiming that if I had returned my free {$20.00} Target promotional gift card and {$100.00} XXXX XXXX, they would refund me {$96.00} - just not when Target themselves deactivate said XXXX XXXX. Targets own mistake mysteriously makes my refund worth {$20.00} less?
Again, Target stated they would give me {$96.00} for returning {$120.00} in gift cards.
But because I used my free {$20.00} promotional GC, I only received a {$76.00} refund. {$76.00} + {$20.00} = {$96.00}.
Targets own argument does not make mathematical sense in my case.
On XXXX, after receiving Targets email, I called & reached someone who stated Target was not going to issue a further {$20.00} refund to make me whole.
Target is trying to justify that if they deactivate your {$100.00} XXXX XXXX for no reason & without your knowledge, they will force you to pay for the {$20.00} GC that you were supposed to get for free by taking it out of your refund when you ask for it. Why should I be financially penalized because of Targets mistake?
I paid {$96.00} for {$120.00} in product for which I have yet to receive or be made whole via a further {$20.00} refund. Target believes I should be content with my {$76.00} refund and free {$20.00} Target gift card, totaling {$96.00}, although this is not the amount in gift cards I paid for in XX/XX/XXXX, per the attached receipt. I paid {$96.00} for {$120.00} in GCs - a {$100.00} XXXX XXXX & a free {$20.00} target GC. I am still short! Targets claim that my refund should be {$76.00} is incorrect - their math & reasoning for not providing me with a full refund of {$96.00} do not add up.
If Target reversed my {$76.00} refund & sent me my {$100.00} XXXX XXXX to replace the one they deactivated, I would be whole as that equals {$120.00}, since I used my free {$20.00} Target Gift Card. So, why would Target think that only a {$76.00} refund would suffice if it was my intention to purchase {$120.00} in GCs?
Target failed to uphold the terms of the promotion/sale by deactivating my XXXX XXXX for no reason and without my knowledge. Why should {$20.00} come out of my refund for something that was supposed to be free due to Targets mistake? Targets justification for trying to make me pay for something that I was supposed to get for free is nonsense as it was my belief that my {$100.00} XXXX XXXX still worked up until I tried to redeem it on XXXX. Their refund of {$76.00} is {$20.00} short of what I am additionally owed.
If I were to spend {$100.00} on a pre paid dinner reservation for 2 at a restaurant, with a promo to receive a {$20.00} free dessert, and when I sat down my meal never came and only the dessert did, and I asked for a refund, and the restaurant refunded me {$80.00} of {$100.00}, because I got a free dessert, is this not an example of the same deceptive business practice Target is trying to defend?
When a deal is advertised that the seller has no intention of actually following through, isnt that illegal? How many other peoples gift cards has Target deactivated without their knowledge while simultaneously offering free {$20.00} Target Gift cards, and then subsequently forcing the customer to eat the difference after redeeming them and requesting a refund? This predatory behavior exhibited by Target exemplifies bad business practices.
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| 11/12/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Bounced checks or returned payments
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|
Web |
Older American, Servicemember |
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I no longer have access to the dates when the situation first began because TD Bank has blocked my access to my former checking account (? XXXX ) but I will do my best. TD bank will be able to provide the exact dates for you.
Sometime in late XXXX or XXXX of XXXX, I was reviewing my online banking statement for my checking account ending in XXXX. I've had this account for probably 20+ years. I noticed that there were two withdrawals that I did not make. One was for {$1000.00} and the other was for {$1.00} and both were withdrawn by a company called XXXX XXXX. I knew this was a way to send money to people but it is not a method that I have e-v-e-r used. I notified the Fraud Dept. for TD Bank at their XXXX # instead of my local XXXX branch . I provided the details to the woman on the phone. She stated that to prevent further similar withdrawals, I would need to close my account ending in XXXX. I believe she said my account was " hacked. '' I was told that this would be investigated and I would likely be able to have these amounts credited back to my account. She stated that my checking account ending in XXXX would be closed out as of 30 days from the date of my phone call. She asked if I had outstanding checks but I wasn't sure if I did. I was told that all checks on this account would be honored for the next 30 days but that I should try not to write anymore checks from this account.
I'm not sure of the date but a couple days later I met with XXXX XXXX at XXXX Bank on XXXX XXXX in XXXX, CT for the purpose of closing my account ending in XXXX and opening a new checking account. Upon opening a new checking account I was told that TD Bank no longer issues temporary checks with new checking accounts. I ordered new checks that day but also knew that my old checking account would still be open until XX/XX/XXXX, I believe. Knowing I was to try not to write checks from my old account, I only wrote checks that were urgent/emergent such as to my eye doctor and the IRS.
A couple weeks later I received a letter from TD Bank stating that I had overdrawn my old checking account but that my check for {$35.00} to the IRS had been processed because I had overdraft protection on my accounts. Herein lies the basis of the problems I am writing to you about. Despite the Fraud Dept. stating that my account ending in XXXX would remain open until XX/XX/XXXX ( or 30 days ... ) and sending me a letter acknowledging that I had overdraft protection on my accounts, they began bouncing several checks on me despite the fact that I had sufficient funds in my checking accounts to cover each and every bill that I paid. Additionally, I called the Fraud Dept. after receiving their letter and the woman I spoke with asked me to provide her with a list of companies that I wanted TD Bank to pay their bills regardless of which checking account the check was written on such that I would not have any bounced checks. The list I provided her with included : The IRS, my mortgage company, my health insurance premium, my XXXX card online pmt, my XXXX XXXX card online pmt, and any doctor 's offices. She stated that she wrote them down and any bills from these creditors would be paid.
Unfortunately, she either did not write this down or she did not communicate this information with the appropriate individuals because I suddenly found myself receiving letters from TD Bank, the IRS, and doctor 's offices stating that my checks had been returned!!!
I met with XXXX XXXX at the local TD Bank in XXXX at XXXX XXXX. on Monday, XX/XX/XXXX to explain that my checks were bouncing because the Fraud Dept. did not honor their promise to pay all bills from the creditors from the list which I provided for them, nor did they honor my overdraft protection on my accounts ( something they even acknowledged they were aware that I had in one of their letters to me ).
Although I was not charged any fees for returned checks by TD Bank, I received numerous fees from my credit card companies, my doctor 's office, and the IRS imposed a {$25.00} penalty on a {$35.00} returned check! XXXX verified that I did have overdraft protection on my accounts. She stated she did not know why then my checks were returned when there was sufficient funding in my checking account to pay all of these bills. She also stated that my account ending in XXXX had never been closed out by the fraud department. She closed the account and transferred the remainin $ 200+ amount into my new checking account ending in XXXX. XXXX stated that she did not have the authority to refund the bounced check fees to me but that I had been a long-time customer of TD Bank and that she would speak to her manager and she was hopeful that she would be allowed to refund all the fees especially since it was not a lot of money.
A day or two later I received an apologetic call from XXXX at TD Bank. She stated that unfortunately the bank was not going to be able to do anything for me regarding all the fees I incurred regarding the recent issue with my checking account. I inquired as to whether there was a special form or process in order to contact the banking commissioner regarding my complaint. At this point, XXXX then offered to contact the Fraud Dept. at TD Bank to see if they'd be willing to reimburse me for all the fees I had incurred which were not my fault. She stated she would get back to me in a couple days. It has been a couple weeks and I have not heard from her.
I have extensive documentation which I provided for XXXX and which she photocopied so TD Bank in XXXX also has a copy of the following documents : 1. Bill for {$8.00} from XXXX XXXX XXXX And XXXX XXXX XXXX XXXX for a late fee incurred as a result of my online payment being returned.
2. Letter from XXXX XXXX XXXX XXXX with copy of returned check in the amount off {$190.00} which had now incurred a returned check fee of {$10.00}.
3. XXXX card statement from XXXX - XX/XX/XXXX indicating a returned check fee of {$30.00} for a returned online payment of {$1100.00} 4. Letter from the IRS requesting payment on a returned check for {$35.00} with an additional penalty fee of {$25.00} 5. XXXX XXXX statement from XX/XX/XXXX - XX/XX/XXXX noting a {$29.00} fee for a declined/returned check. ***Please note, I was able to get this fee credited back to my account. *** 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX premiums for {$140.00} which had been declined in XXXX and XXXX online. I didn't learn about this until I received a XXXX from XXXX stating that if I did not pay my premium for the month of XXXX, my health insurance would be canceled effective immediately w/o the ability to be reinstituted! I called XXXX immediately and paid {$430.00} over the phone for my premiums for the months of XXXX, XXXX, & XXXX. The customer service rep did not know what fees would be associated with the returned online automatic payments so this fee is still outstanding.
If my math is correct and not including outstanding fees, the sum total of fees which I have incurred as a result of TD Bank not honoring the overdraft protection on my account and the Fraud Dept. not honoring their committment to pay all bills from the creditor list I provided for them, comes to {$73.00}.
The only acceptable solution from my perspective as a long time customer of TD Bank and one who was not at fault for incurring these fees would be for TD Bank to reimburse me in the amount of {$73.00}.
Thank you for taking the time to read my letter of complaint against TD Bank in XXXX, CT. I can provide you with all necessary documentation for the fees incurred. Similarly, the XXXX TD Bank branch also has a copy of all of my documentation.
Sincerely, XXXX XXXX XXXX, XXXX, XXXX
|
| 10/30/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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|
|
Web |
Older American |
|
Let 's do this dance again, right TD?
Note : regarding case XXXX to which TD responded : " We have been unsuccessful in reaching the consumer by phone to determine whether she herself filed the within complaint, rather than her son who is not authorized to do so. The attached letter requesting contact was mailed to her. Follow up actions will depend upon a response. The letter states as follows : Were committed to fulfilling your banking needs and delivering a legendary Customer experience. Today, Im writing to let you know we received your complaint filed through the Consumer Financial Protection Bureau ( CFPB ). Your concerns are important to us, which is why we began looking into your issue immediately. In reviewing your complaint, you reference previous CFPB case XXXX. As referenced in your complaint, you had advised us that you did not submit the complaint and it was written by your son. Since we have been in receipt of your complaint filed on XX/XX/2022, multiple contact attempts have been made with requests for you to follow up with us to discuss this newest complaint. The most recent attempt was made on Monday, XX/XX/XXXX, and an additional voicemail was left requesting a call back. To date, a follow up call has not been provided. In order to assist in addressing any additional concerns you may have, we will need to speak with you directly. At your earliest convenience, please return our call attempts so that we may assist further. Thank you for the opportunity to continue serving your banking needs. '' TD is welcome to confirm with the CFPB that I personally spoke with XXXX, one of the CFPB phone representatives at XXXX, on XX/XX/2022 at approximately XXXX ET and confirmed that I filed case XXXX and XXXX against TD myself. TD is also able to reach me at my alternate phone number XXXX which will get a quicker response if TD actually does call me and you are authorized to leave a detailed voicemail at that number. The The ESIGN Act granted electronic signatures the same legal status as handwritten signatures throughout the United States and my signature here at CFPB provides you the necessary authorization to contact me at that number at which time you can re-verify who I am and that I filed this and the previous complaints, if you forego verifying it with CFPB based on the information I have already provided confirming that I filed them.
It is shameful that TD documents that they left me a voicemail on XX/XX/2022, when no such voicemail was left. XXXX phone records show NO call from TD on this date. Why didn't TD send me a registered piece of mail? As well, in this letter that was supposedly sent, there is no contact information and no phone number included in the response. Disgusting.
It is shameful that TD failed to provide any results of their investigation that they claimed they began looking into " immediately '' except to say they didn't do anything but try and contact me ( which appears to be untrue ).
So, I am refiling the complaint once again and since I have provided you with the CFPB contact information confirming that I filed these complaints, there is NO further excuse for you to keep stalling.
On XX/XX/2022 I, XXXX XXXX, a XXXX senior, went into the TD Bank branch on XXXX XXXX XXXX in XXXX, FL and deposited cashier 's checks from my own accounts at XXXX for {$220000.00} and {$10000.00}. At the same time, I then wired {$230000.00} to scammers through XXXX XXXX in CA. I was somehow convinced by the scammers that I needed to wire my life savings to them. I tried from my first bank, XXXX, and they blocked it. But then the scammers convinced me to move my money to my other bank ( TD ) and wire it from there. My son, XXXX XXXX, spoke to the teller who " helped '' me at TD Bank and asked ( D = XXXX, my son, TD = XXXX, the teller at TD ) : XXXX : So now, my questions to you are : So what questions did you ask my mother before you transfer this money? TD : What questions I asked her? Who was the beneficiary? What was the purpose behind doing the transfer? XXXX : Well, what were her answers? TD : All the information is on the wire transfer, I can bring it up. XXXX : That would be great, could you do that? TD : Okay, so she's [ trading? ] to a XXXX XXXX company XXXX : Right. And then you... So all you asked her is where she sent it to which is XXXX XXXX which obviously she brought to you in the first place - we've established that. And what else did you ask her? TD : How much she wanted to send. XXXX : Okay. Anything else? TD : Not off the top of my head. ... XXXX : You didn't ask her if someone was telling her to do this? TD : No. ... XXXX : The other question too, is that she brought cashiers checks in from XXXX XXXX XXXX, deposited them in the account and then immediately wired it out. Did you ask her why she didn't transfer it from XXXX XXXX XXXX, why she brought it to TD? TD : I did not. XXXX : That didn't raise any alarm bells for you that she brought it from XXXX XXXX XXXX to TD and immediately wired it out? TD : It did not. This is the problem. The bank should have known about these scams and should have asked questions about what was going on. This should have readied red flags immediately. Any easy question would have been, " Why didn't you just wire the money from the other bank, instead of bringing it here to wire? '' Or : " Did someone tell you not to talk about why you are transferring this money? '' Once realizing I had been scammed, I called TD 's XXXX customer service and was told I had to go into my local branch, as the XXXX service reps told me that they would not assist me. However, since this was a Saturday ( the Saturday following the transfer ), the branch would only open on Monday morning. This prevented any potential actions from being taken by TD that could have recalled the wire transfer in a timely fashion. At the branch over the next few days, I spoke with the manager XXXX, and tried to allow my son to have access to this situation with the bank, however, TD actively denied my son from assisting. They wanted him to go into a TD branch to verify himself, however since he lives in CA, this was not possible. He even provided a power of attorney form to them, with myself verifying it was valid, however again, XXXX rejected it. XXXX then said she would look into other possibilities of how to get my son on the account/investigation, but never followed up or provided any further information. These actions are inexcusable on the part of the bank : not asking the appropriate questions to XXXX senior before the transfer not blocking the transfer not providing assistance when calling the XXXX number requiring us to wait 2 additional days to get help by waiting until the branch was open the manager of the branch denying allowing my son to assist and rejecting the power of attorney the manager of the branch not following up ( with repeating requests to do so ) Please help hold the bank accountable for their actions and non-actions in this situation. As per guidance on your site, they are supposed to be asking seniors questions about wire transfers and money movements like this. I am happy to provide more information, etc. My son also happens to have a recording of the conversation with the local bank branch teller in which he admits he did nothing in terms of vetting the translation as required. Note that a police report was filed with the XXXX XXXX XXXX, case # XXXX and Det. XXXX is assigned to the case ( XXXX ). I have attached the original wire transfer forms as provided by TD, as well as the fraud form completed at TD once they allowed me to file it in their branch. Thank you.
|
| 04/05/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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Nordstrom has made multiple errors on my account. They have sent to collections a {$270.00} amount related to a purchase on a debit card which I did not make ( debit card was already closed ) and have sent to collections a {$340.00} credit card bill ( of which over 50 % is late fees and interest ) for a credit card they sent to the wrong address. Of the {$340.00}, I actually owe {$130.00}.
I was approved for a Nordstrom credit card on XX/XX/XXXX ( I previously had a Nordstrom debit card linked to my bank account ) and was encouraged to make a purchase on the credit card the same day ( before actually receiving the credit card at my new address ). The card was incorrectly sent to my previous address ( the one used for my debit card ) so I could not pay my bill online and Nordstrom policy would not let them take my payment over the phone. By the time I was able to make a payment, I had already been charged late fees and was accruing interest. On XX/XX/XXXX I offered to pay for the items but refused to pay the interest/fees due to the error on Nordstrom 's part ; however Nordstrom refused to accept responsibility for the error and refused to waive the fees. I was left with no recourse other than to withhold payment and the amount of {$340.00} was eventually sent to collections ( {$130.00} original purchase and {$200.00} interest and late fees ), where it has been weighing down my credit score. After the amount was sent to collections, I tried repeatedly to reach an agreement with Nordstrom that would allow me to pay what I owe and get the late fees waived but got nowhere. I tried again in XX/XX/XXXX and finally, after several calls with lower-level call center folks ( and only after threatening to call an attorney ), I was able to get the contact info for " XXXX '' the Recovery Supervisor, whose direct number is XXXX. I reached out directly over a dozen times over the course of about a month and left several voicemails but he has refused to speak to me. Additionally, I found out from the lower-level call center staff that Nordstrom believes I owe an additional {$270.00} related to the initial Nordstrom debit card. However, they have not been able to explain to me what this amount relates to or how it is even possible to owe money on a card that is linked directly to a bank account. This account, which was closed in XX/XX/XXXX, was sent to collections on XX/XX/XXXX and updated on XX/XX/XXXX. I subsequently filed a XXXX XXXX XXXX consumer complaint on XX/XX/XXXX, and received a response from XXXX XXXX, Nordstrom VP of Risk Management, which attempted to pin the blame on me and claimed that a " thorough review was performed ... and no Nordstrom errors were found. '' My response is as follows : There are multiple inaccuracies/errors in the Company 's response which constitute, at the very least, gross negligence and potentially willful negligence and/or fraud.
1. The debit account was closed on XX/XX/XXXX, the same day the retail account ( i.e. credit card ) was opened ; therefore, as I suspected, the {$270.00} amount is not valid. The Company has either been negligent in allowing this error to happen or they are intentionally trying to defraud me. This is further supported by the fact that the Company did not give any details to substantiate this " purchase, '' which I requested in the initial complaint ( i.e. what items were purchased? Also, as an aside, why would I try to use this debit card which was linked to a previously closed bank account when I had just told the store employees less than a week earlier that's why I was replacing the debit card with the credit card? And why would it take FOUR DAYS for you to figure out that a {$270.00} purchase was made using a debit card that was attached to a bank account that had been closed? That card would have been declined immediately. ) Additionally, the Company did not make clear until XX/XX/XXXX that they believed I owed an amount related to the debit card all mail that I received ( which was sent to my parents ' old house but I was able to obtain and is still in my possession ) and phone calls seemed to be related to the credit account and there was absolutely nothing to indicate that that the {$270.00} and the {$340.00} were related to different purchases ( it appeared that it was just more interest/fees accruing ). Furthermore, when I reached back out to Nordstrom on XX/XX/XXXX and was made aware about the supposed {$270.00} debit card balance, I explained that I doubted the validity of the amount and that it was not on my credit report. I was very clearly informed that debit card amounts are not sent to collections. Less than three weeks later, the account was placed for collection on XX/XX/XXXX with XXXX XXXX XXXX, as evidenced by the attached excerpt from my credit report. This directly contradicts both the verbal statement made over the phone by the Company rep and the Companys response to the XXXX complaint response where they intentionally avoid listing the agency and they state that say the account was charged off on XX/XX/XXXX. A review of my credit report as of XX/XX/XXXX shows only the {$340.00} amount related to the credit card.
2. I maintain that the retail account was opened with an XXXX, XXXX address and not the previous XXXX, XXXX address that was used when I opened the debit account in XXXX. This is supported by the attached excerpt from my credit report showing the XXXX, XXXX address being first reported on XX/XX/XXXX. I can provide further documentation in the form of a 12-month lease at that address from XX/XX/XXXX to XX/XX/XXXX and a 6-month extension to XX/XX/XXXX.
3. The Company 's assertion that Recovery supervisor XXXX XXXX called 4 times and never heard back from me is completely false. My XX/XX/XXXX cell phone records show that I had 5 total outgoing calls to XXXX on XX/XX/XXXX ( XXXX, XXXX, and XXXX EST ), XX/XX/XXXX, and XX/XX/XXXX and had no incoming calls from that number. I left voicemails indicating that I could be reached by cell phone or email but heard nothing. I also called on XX/XX/XXXX prior to making the XXXX complaint and at certain other times as well. Never once did " XXXX '' answer the phone. I was the one who reached out and received no response, not the Company.
4. The Company failed to mention that when I returned their initial calls ( prior to XX/XX/XXXX ), I attempted to pay the balance over the phone. However, it is their policy not to accept payment over the phone and I was informed that I would have to pay online or in person at the store. Because I didnt have my physical card and account number ( it was sent to my old address ), I could not pay online.
5. The Company failed to mention that their " collection calls '' are harassing robocalls that are made multiple times per day ( even right after speaking with the Company ), often during work hours and in violation of the Fair Debt Collection Practices Act. After several weeks of this, I was forced to block the number in order to avoid being constantly interrupted during meetings at work.
6. The Company also failed to mention that when I called on XX/XX/XXXX, I indicated that I would be happy to pay the {$130.00} that I owed but that I would pay not the late fees.
7. The Company failed mention that there were no payment issues during the 23 months the debit account was open. The Company also did not mention that I have remained a solid customer despite being treated so poorly, having personally spent well over {$2500.00} since XX/XX/XXXX at Nordstrom and XXXX XXXX combined. However, I and my family will be boycotting all stores until this matter is resolved.
|
| 09/29/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Sent card you never applied for
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|
Web |
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I went to XXXX to make some purchases at the end of XXXX or beginning of XXXX. The person at the register offered me a rewards card. I said I rarely shop at XXXX so I didnt really need a card. She said I could get a certain percentage off of my purchases that day if I signed up for the rewards card ; so I sighed up.
I paid cash for my purchase that day.
After I made those purchases at XXXX, I was out of the country for a month and when I returned I received letters from XXXX. I receive junk mail from countless companies that try to get me to sign up for credit cards. I have one credit card that I havent used in over a year ; I do not like credit cards and one is more than enough for me. I generally put all of that junk mail in the recycling bin without opening it.
Then, when I kept receiving the same envelope from XXXX XXXX XXXX for a few months, I opened one of them to discover that I had unknowingly been signed up for a credit card. And, more importantly, the items I had purchased with cash that day were listed as charges on the credit card ; and there were multiple late fees and interest charges.
The person at the register did NOT make it clear that she was signing me up for a credit card. She made it sound like a rewards card similar to the rewards cards I have with XXXX or XXXX grocery. I would have never signed up for a credit card because I never use credit cards. And not only did she not explain that it was a credit card, but she double charged me for my purchases : I paid cash that day. I obviously would have known that she was signing me up for a credit card if she had not taken my cash for payment. And I would not have signed up for the card if she had made it clear that it was a credit card.
The person at the register was not doing her job. She did not explain that she was signing me up for a credit card. She took my cash as payment and also charged the same purchases on the credit card. This is a predatory credit card practice.
I called the XXXX XXXX XXXX to explain the situation and they said that since I do not have proof that I paid, there was nothing they could do. No one keeps receipts for body wash, lotion etc. for months on end.
Ive called multiple times to speak to the XXXX XXXX XXXX. The first time I called the represented said that I could pay the original cost of my purchases ( {$120.00} ) ; I did not want to do that because I had already paid the original cost. I then wrote the letter ( text above ) on XXXX XXXX, XXXX to explain the situation.
I received a letter on XXXX XXXX, XXXX from XXXX XXXX XXXX that said that the claim was denied because I did not have a receipt of the transaction. As I explained in my first letter : very few people keep recipes for months on end for everyday purchases.
I called again on XXXX XXXX, XXXX. XXXX, the representative spoke with on XXXX XXXX, XXXX, told me that multiple people have had issues with XXXX signing them up for a credit card in which the XXXX representative did not clearly inform the customer that they were being signed up for a credit card. At this point, I was so fed up that I had just decided to pay the original {$120.00} so that my credit would not continue to be trashed. I explained that I just wanted to pay the original fee and be done with it. He also said that he could see that I was offered by a previous XXXX employee and he would transfer me to pay the {$120.00}. The phone line was disconnected. I called back and spoke with XXXX and she informed me that there was no way that that offer could have been made because XXXX does not do that.
I called again on XXXX XXXX, XXXX, and explained the entire situation to XXXX, another representative. I told her I had read my credit card rights that state that After you notify your credit card company that you are withholding payment, they can not report the disputed amount as delinquent to a credit bureau until the dispute is settled or a court judgment is issued against you. The lender can not treat the dispute as settled or take collection action against you unless it has completed a reasonable investigation of your claim. I told her I did not want any of this reported to the credit agencies until it was settled ; she said that it was too late for that because the payment was four months late. I explaind that I did not know about the credit card or the payment as I explained in a previous letter because I ( 1 ) did not realize the XXXX employee was signing me up for a credit card and ( 2 ) I recycled all of the XXXX XXXX XXXX letters without opening them because I thought it was just a credit card offer and I did not want a credit card. She said there was nothing she could do about that.
I requested, again, that I pay the original {$120.00} fee as I had been offered multiple times. She said that they could not allow me to just pay the original {$120.00} fee because now the bill was ~ {$300.00}. Even though, she also informed me just as XXXX had that XXXX has had problems with people being signed up for credit cards unawares ; the people at the register do not always make it that clear they signing customers up for credit cards. This is not legal : this is a predatory lending practice.
XXXX is no better than the recent fiasco from XXXX XXXX. XXXX has a policy of forcing all of its employees to offer credit cards to call customers as they check out. At best, this means there is ample opportunity for confusion employees not being clear that it is a credit card ; and, at worst, this is an opportunity for unscrupulous employees to scam both XXXX and XXXX customers by paying for the transaction with a new customer credit card while stealing the cash.
After yet another lengthy conversation XXXX, she still said I could not pay the original {$120.00} fee. I asked her to review the recorded conversations from my prior phone calls because the other XXXX representatives had offered that. I also read her the text from another letter I received on XXXX XXXX, XXXX from XXXX XXXX XXXX that stated : Your XXXX Credit Card account is four payments past due. If you cant pay the full minimum due of {$160.00} right now, we may still be able to help you get your account current by offering : Lower monthly payments, Reduced late fees, A lower interest rate or A settlement to completely pay off the account for less than a full balance.
I was requesting exactly what the letter was offering, namely : A settlement to completely pay off the account for less than a full balance. I said that, since it clearly states that I have that option, that is the option I would like to take. I asked her to review the recorded transcripts of the prior conversations I had had with XXXX representatives to prove that the option of paying {$120.00} was offered to me previously. She said she would review those records and transfer me to the department to arrange settlement.
I was transferred and had to, again, explain the situation to yet another XXXX employee, XXXX. After another lengthily conversation, he said I could pay the {$120.00}. I paid and was transferred to another department and spoke with XXXX, who said that everything would be expunged from my record. I still do not think I should have been required to pay the {$120.00}. I paid cash and was signed up for a credit card that I didnt know about.
It should also be illegal for a company to sign people up for credit cards at the register and pay for the items that same day : this is a predatory lending practice.
|
| 09/27/2022 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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XX/XX/2022 at XXXX PM- I received a TD BANK ALERT text asking if I was attempting to XXXX {$3500.00} out of our business account. I responded NO, got an auto-response saying a representative would contact me regarding the fraudulent attempt.
XX/XX/2022 at XXXX XXXX - I received a call and the person on the line gave me the last XXXX of my account number, listed my last XXXX transactions, and sent security codes to my phone for verification. I was informed that there was a transfer attempt from Ohio and they were launching an investigation to try and trace who was responsible for the attempt. I gave my username to deactivate my online account so no further attempts could be successfully made. They stated my account would remain open to deposits and withdrawals for the next XXXX business days and a new online account would be created when the investigation was finished. I closely monitored my account during this time and did not see any changes.
XX/XX/2022 at XXXX XXXX - I received a call from the same person saying that the investigation was closed and they were going to deactivate my online account and send a temporary password to set up my new online account. While on the phone, he told me I should receive an email saying that my password was changed ( which I did from XXXX at XXXXXXXX XXXX ). I was told a temporary password was being generated and to please hold. I explained that I was in the middle of a lesson and asked them to email it to me which they said they would.
XX/XX/2022 at XXXX XXXX I called XXXX ( the number listed on the email ) to explain that I hadnt received my temporary password yet. I was told they would try to reset it again and to check back in the morning.
XX/XX/2022 at XXXX XXXX - I called XXXX back to explain that I still havent received my temporary password. She said that was strange and that she couldnt give me the one made last night, but she could resubmit a password change request and give me a new temporary password ( another email received from XXXX at XXXX XXXX noting a password change ). She gave me the new temporary password over the phone. I used it to log into my account and immediately saw the fraudulent wires : XX/XX/2022 - WIRE TRANSFER OUTGOING XXXX XXXX - {$4300.00} XX/XX/2022 - WIRE TRANSFER OUTGOING XXXX XXXX - {$660.00} XX/XX/2022 - WIRE TRANSFER FEE - {$30.00} XX/XX/2022 - WIRE TRANSFER FEE - {$30.00} Total Taken - {$5100.00} XX/XX/2022 at XXXX XXXX XXXX I called XXXX back to state that most of our money was wired out and ask how this happened and what my next steps were. The person had me recount everything I have documented here from XX/XX/XXXX on and informed me that I wasnt talking to TD last week. She told me to go into my local branch and request a recall on the wire immediately.
XX/XX/2022 ~ XXXXXXXX XXXX - I went to the TD Bank on XXXX XXXX XXXX XXXX XXXX, NY, XXXX and explained everything to a representative. They called the fraud department and started two investigations ( one for each wire ).
XX/XX/2022 ~ XXXX XXXX XXXX I went back to the branch on XXXX to open a new account. The initial representative gave me the investigation claim numbers for both wires and informed me that I would hear back about the conclusions of the investigations within a week.
XX/XX/2022 at XXXXXXXX XXXX - I hadnt heard anything back yet so I called XXXX ( the number given to me by the representatives at the XXXX branch ) to check on the status of the investigations. The representative I spoke to said that both claims were being finalized and the money should be back in my new account no later than the following Friday ( XX/XX/2022 ) and to call back if that doesnt happen. I asked her So does this mean that Im definitely getting all of the money back? to which she replied Yes, it looks that way!
XX/XX/2022 at XXXX XXXX I still had not received the funds in the new account so I called XXXX back to inform them that I was told the funds would be deposited that day and they were not. I was informed by this representative that an Affidavit of Forgery was needed before funds could be deposited and that I would need to visit a local branch to sign that.
XX/XX/2022 ~ XXXX XXXX - I went to TD Bank on XXXX XXXX XXXX XXXX XXXX, NY, XXXX, explained everything thats happened and asked to sign an Affidavit of Forgery. The representative at the branch said she was unfamiliar with wire fraud investigations and wasnt sure what to do, but that an Affidavit of Forgery was for check fraud, not wire fraud. She tried calling the fraud department, told me they were closed on XXXX and to come back into a branch on a Monday.
XX/XX/2022 ~ XXXXXXXX XXXX - I went to the XXXX TD Bank and explained everything thats happened to a different representative. He called the fraud department and was informed that one of my investigations was denied and the other was still under review. I asked what that meant and he said it looked like the receiving bank ( XXXX XXXX ) denied the recall due to a lack of funds, but he was going to resubmit the investigation. I asked why I was informed that my funds were going to be back in my account last week if the investigation was denied and he said he didnt know. He said that he would call me at the end of the day with any updates he may have.
XX/XX/2022 at XXXX XXXX - I called XXXX again and asked to speak to someone who could give me a definitive answer on the status of my investigations and what the next steps are around denials. This representative informed me that both investigations were denied due to lack of funds and there was nothing further that TD Bank could do. I asked if she meant that there was no way my funds were ever going to come back into my account. She said unfortunately, the only thing I can do is file a police report now. I asked how this is possible if the bank is FDIC insured and she said all she can tell me is that there is nothing further that TD Bank can do.
XX/XX/2022 at XXXX XXXX - I called XXXX again after calming down and asked to speak to a manager or anyone higher up. I was on hold for over 30 minutes waiting to talk to a supervisor. Once the supervisor was onto the call, he told me that FDIC insurance only covers money that the bank loses from going under and it doesnt cover wire fraud. He recommended that I file a police and FBI report.
XX/XX/2022 at XXXX XXXX- The representative from Steinway TD I had spoken to earlier in the morning said he resubmitted the investigations because both were denied and I should wait and see what happens. I explained to him what I had been told earlier in the day from the fraud department and told him that TD has left me with no hope left of seeing the funds again.
As a small business owner, this has been an unacceptable situation that has now affected two pay periods for our employees and a building rental offer. The fact that someone was able to detail our last 3 transactions and the last 4 of my account number before I gave our username doesnt make me feel like my business information is secure with TD Bank. That on top of the lack of clarity, timeliness, support, communication, and compassion Ive experienced throughout this whole situation has been appalling. I caught the fraud the morning after it happened and handled everything Ive been told to do as timely as possible. It has been over 10 business days since I reported our funds missing and TD Bank has not made any effort to rectify our financial situation.
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| 04/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/XXXX of XXXX I made an uninformed decision when I entered into this consumer credit transaction with XXXX XXXX XXXX. The seller transferred my rights to TD AUTO FINANCE without disclosure of pertinent facts and understanding of intent, my right to rescind, delivery of information and rescission forms and the informed use of credit, along with other material disclosures that caused damage and injury, theft of property, billing errors, loss of earing 's, invasion of privacy and damage to the reputation of the consumer. As stated in ( 15 U.S. Code 1601 ( a ) the informed use of credit results from an awareness of cost thereof by consumers, it is the purpose of the subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. TD AUTO FINANCE use my information to deceive and deprive me of money proceeds and property. ( 15 U.S. Code 1602 definitions and rules of construction ) ( k ) adequate notice of ( n ) cardholder ( I ) credit card and ( p ) unauthorized use of credit card : means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Credit card : means is used to obtain money, property or services, are the subject of the transaction and primarily for personal family, or household purpose. ( n ) cardholder : means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person. ( k ) Adequate notice : means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. My credit card is used to obtain money, property or services, the value of my principal dwelling which secures any out standing balance. The seller-creditor XXXX XXXX XXXX assigned and transferred my rights to TD AUTO FINANCE without given me disclosure of pertinent facts of understanding and intent. TD AUTO FIANANCE gave my Purchase money loan to XXXX XXXX XXXX, which it is my right to receive as the consumer, That is a violation of a consumer credit transaction. TD AUTO FINANCE please provide me with your account ledgers and both Consumer Credit Contract, Master Credit Agreement to clarify these fact. ( 12 CFR 360. 6 ( 2 ) Treatment of a financial asset transferred in connection with a securitization or participation. ( 2 ) Financial asset : means cash or a contract or instrument that contractual right to receive cash or another financial instrument from another entity ) ( 45 U.S. Code 821 ) means an agreement to make 1 or more direct loans or loan guarantees at future dates for a program of related projects on terms acceptable to the Secretary. The Master Credit Agreement, Consumer Credit Contract are financial asset that provide proceeds in which me the consumer have been deprived and deceived of such money and proceeds. TD AUTO FINANCE never credited my account for the value they have received in the financial asset, ( stated in FTCA ) the purchase money loan is a cash advance which is received by a consumer in return for a " finance charge '' with the meaning of the Truth in Lending Act and Regulation Z, to shop the various credit terms that could've been presented and offered to me and avoided the uninformed use of credit, inaccurate and unfair credit billing invasion of privacy, theft of property and loss of earnings do to creditors misconduct and negligence. The FDCPA talks about abusive practices ( 15 U.S. Code 1692 ) ( a ) Congressional findings and declaration of purpose ). ( a ) Congress said there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy, furnishing certain deceptive forms to give false belief to a consumer to pay a debt that doesn't exist when the creditor is the one owing a debt to the consumer.
15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter. ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. ( Every violation that's made clear is blatant and willfully when you know by law the purpose of a consumer credit transaction and what it produces for the consumer. It's not a mere assumption as code provide rule of law. TD AUTO FINANCE are well informed of the premiums that are written in connection with this consumer credit transaction. Such as credit life, accident and heath insurance against loss of or damage to property or against liability arising out of the ownership or use of property, all shall be included in the finance charge, though my property was taken/stolen without my permission when clearly it has been paid for already. ( 15 U.S. Code 1605 ( a ) ( 5 ) ( b ) ''finance charge '' defined ) Which is the sum of all charges also not disclosure to me, which is payable by the person to whom credit is extended from my credit card. The creditor also failed to provide me with the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required. which is one of many violation and my reason for rescinding this agreement. The FTCA address this matter also, the Commission determined that it constitutes an unfair and deceptive practice for a seller in the course of financing a consumer purchase of goods or services, to employ procedures which make the consumer 's duty to pay independent of the sellers duty to fulfill his obligations.
( 15 U.S. Code 1692i - Legal actions by debt collectors ) ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action.
I reside with in my flesh, that is my abode. please return my all property, money and proceeds or i will take the next step necessary and provide the accounting ledger. THANK YOU
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| 08/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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I, XXXX : Prather BENEFICIARY XXXX Original Creditor, Natural Woman, and authorized representative for XXXX XXXX, hereby rescind my consent to be liable to perform on the contract agreement as I entered with " TD BANK N.A. ". on XX/XX/XXXX. I entered into this contract agreement with TD BANK, without XXXX ). Full disclosure of my right to rescind XXXX ). Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). I have reason to believe that TD BANK willingly and knowingly took advantage of me and my consumer credit. I am not terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor as I have found several violations and fraud. Notice that Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission, I am not liable for any finance charge security interest etc. becomes void effective immediately. Upon the delivery of this letter of rescission, you must retract your electronic lien submission. According to The GEORGIA SUPERIOR COURT CLERKS COOPERATIVE AUTHORITY and the current UCC laws that you are governed by you do not hold any lien on my personal private property, therefore you are not the lienholder. As effective of the date of your receipt of this letter, you do not have any security interest in private property : XXXX XXXX XXXX XXXX XXXX # XXXX TITLE # XXXX, therefore you must update this status with the XXXX XXXX XXXX XXXX XXXX by filing the proper forms and sending them registered mail. The documents have been sent to your INDENTURED TRUSTEE ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) via registered mail. Please review the following notarized RIGHT OF RESCISSION AFFIDAVIT and mailing instructions for the enclosed documents. Thank you for your time and attention to this matter.
Respectfully, XXXX : XXXX BENEFICIARY XXXX Prejudice, All Natural Inalienable Rights Reserved.
ACCORDING TO THE LETTER OF RESCISSION ( XXXX XXXX NUMBER XXXX XXXX XXXX XXXX XXXX ) TD AUTO HAS NO SECURITY INTEREST IN CONSUMER 'S PRIVATE PROPERTY INCLUDING THE COLLATERAL, TITLE, AND REGISTRATION. THE ELECTRONIC XXXX MUST BE REMOVED DUE TO THIS UPDATE IN CONSUMERS CONTRACT. CONSUMER IS THE BENEFICIARY AND AS CONSUMER GIVES PERMISSION SO XXXX THEY TAKE IT AWAY. WITH THIS UPDATE TD AUTO FINANCE ALSO HAS NO RIGHT TO REPOSSESS THE VEHICLE NOR VIOLATE CONSUMERS PRIVACY NOR REFERENCES PRIVACY IN HOPES TO TAKE CONSUMERS PRIVATE PROPERTY. THE REASON FOR THIS UPDATE IS BECAUSE TD AUTO FINANCE FAILED TO PROVIDE CONSUMER WITH PERTINENT INFORMATION IN REGARDING THEIR CONTRACT, INCLUDING THE TRUE BILL OF SALE. THE CONTRACT WAS CHANGED BETWEEN THE DEALERSHIP AND TD AUTO FINANCE, WHICH ACCORDING TO THE TRUTH IN LENDING ACT CONSTITUTES FRAUD. CONSUMERS PAYMENT TERMS WERE CHANGED WITHOUT ANY EXPLANATION AND WITHOUT THEIR CONSENT. CONSUMER ATTEMPTED TO PAY TD AUTO FINANCE LAWFULLY WITH A STAMPED AND ENDORSED SECURITY ( BILL STATEMENT ), XXXX XXXX REJECTED IT WITHOUT INSTRUCTIONS ON ANY CORRECTIONS NEEDED. TD AUTO KEPT THE SECURITY AND DID NOT RETURN IT AS INSTRUCTED IN THE LETTER SENT. THE OPERATIONAL FRAUD DEPARTMENT HAD THE AUDACITY TO SAY THAT THE CONSUMERS ATTEMPT TO PAY THEM IN LAWFUL MONEY WAS AN ATTEMPT TO CREATE A FRAUD TENDER INSTRUMENT. TD BANK JUST PAID OUT {$1.00} XXXX IN SETTLEMENT FOR FRAUD PONZI SCHEMES BY ONE OF THEIR OWN FINANCERS. IF THE DEPARTMENT WAS NOT KNOWLEDGEABLE ABOUT THE INFORMATION THAT CONSUMER SENT, THEN PROPER AND PROFESSIONAL THING TO DO WOULD HAVE BEEN TO RESEARCH THIS INFORMATION WITH THEIR INVESTOR RELATIONS OR INDENTURED TRUSTEE AND INFORM CONSUMER OF THE PROPER WAY TO REMIT LAWFUL PAYMENT. CONSUMER WAS UNAWARE THAT THEY DO LOCKBOX FUNDING AND THE LOCKBOX WOULD NOT KNOW HOW TO PROCESS MY PAYMENT. CONSUMER IS OFFENDED BY THIS AND FEELS LIKE THIS IS DEFAMATION OF THEIR CHARACTER BECAUSE ALL THE ARE DOING IS MAKING AN ATTEMPT TO TAKE CARE OF THE ACCOUNT, IN GOOD FAITH. CONSUMERS HAS A RIGHT TO EXERCISE THEIR RIGHTS! NOT ONCE DID TD INSTRUCT CONSUMER OF OPTIONS TO RESCIND THE CONTRACT OR HOW TO REMIT LAWFUL PAYMENT. THE CONSUMER REQUESTED A TRUE BILL OF SALE AND ALL ACCOUNTING DOCUMENTS BUT HAS NOT RECEIVED THEM. IT TAKES ONLY {$30.00} TO SEND OVERNIGHT, THERE IS NO EXCUSE. IN REGARD TO CREDIT REPORTING, CONSUMERS CREDIT FILE DISCLOSURES STATE THAT THE DEBT WAS WRITTEN OFF AT {$39000.00} BUT TD AUTO CONTINUES TO REPORT A STATUS OF LATE PAYMENT ALTHOUGH IT STATES THERE IS NO MONTHLY PAYMENT. IN ADDITION TO THIS THE INFORMATION IS NOT IDENTICAL ACROSS THE BOARD. ANOTHER ACCOUNT STATES COLLECTION/CHARGEOFF IN THE AMOUNT OF {$41000.00} BUT THIS IS ALL INACCURATE BECAUSE THEY NEVER EVEN SENT CONSUMER COPY B OF IRS FORM 1099-C OR 1099-A SHOWING THE ACCOUNT HAD BEEN WRITTEN OFF, FOR CONSUMER RECORDS AND TAX PURPOSES. THE FALSE, INACCURATE AND XXXX NON-COMPLIANT CREDIT REPORTING HAS CAUSED CONSUMER PHYSICAL HARM AS CONSUMER HAS BEEN DENIED HOUSING DUE TO THEIR NEGLIGENCE AND UNWILLINGNESS TO FOLLOW FEDERAL LAW THEREFORE, CONSUMER HAS A RIGHT TO FILE CIVIL SUIT WITHIN THE DISTRICT OF FEDERAL COURT THAT TD AUTO IS GOVERNED.
IN ADDITION TO THIS CONSUMER SENT REGISTERED SECURITY VIA REGISTERED MAIL WITH VERY SPECIFIC INSTRUCTIONS TO THEIR INDENTURED TRUSTEE TO PROPERLY CANCEL THE DEBT, SECURITIZE THE NOTE THROUGH CONSUMERS TREASURY DIRECT ACCOUNT AND REFUND THEIR FRN ( IOUS ). ACCORDING TO THE LAW, AS THE BENEFICIARY CONSUMER IS ENTITLED TO ALL BENEFITS FOR ALL SAID WILLS, TRUSTS, AND CONTRACTS. ACCORDING TO THE BANKRUPTCY BANKING ACT OF 1933, CONSUMERS CAN NOT PAY A DEBT WITH A DEBT INSTRUMENT AND THAT IS WHAT THE DOLLAR IS! THIS IS WHY THE BANK AND THEIR INDENTURED TRUSTEE/TRUSTEE ARE GOVERNED BY THE BANKRUPTCY BANKING ACT, INDENTURED TRUSTEE ACT AND SECURITIES AND EXCHANGE ACT. TD AUTO FINANCE ( A DIVISION OF TD BANK N.A. ) IS IN VIOLATION OF UCC LAWS, US CODES AND VARIOUS FEDERALLY PASSED ACTS.
PLEASE REFER TO Universal Citation : GA Code 11-9-310 ( 2020 ) IN REGARD TO WHO FILES FINANCING STATEMENTS FOR SECURITY INTEREST AND WHEN THIS IS NOT DONE, THEY DO NOT HOLD NO SECURITY INTEREST THEREFORE HOLD NO RIGHT TO SUBMIT THEMSELVES AS LIENHOLDER.
PLEASE REFER TO Section 360.6 OF CODE OF FEDERAL REGULATIONS - Treatment of financial assets transferred in connection with a securitization or participation AND 17 CFR 260.11b-6 - Definition of self-liquidating paper in section 311 ( b ) ( 6 ) -The term self-liquidating paper, as used in section 311 ( b ) ( 6 ) of the Act, means any draft, bill of exchange, acceptance or obligation which is made, drawn, negotiated or incurred by the obligor for the purpose of financing the purchase, processing, manufacture, shipment, storage or sale of goods, wares or merchandise and which is secured by documents evidencing title to, possession of or a lien upon the goods, wares or merchandise or the receivables or proceeds arising from the sale of the goods, wares or merchandise previously constituting the security : Provided, The security is received by the trustee simultaneously with the creation of the creditor relationship with the obligor arising from the making, drawing, negotiating or incurring of the draft, bill of exchange, acceptance or obligation.
PLEASE REFER TO THE FAIR CREDIT REPORTING ACT, ELECTRONIC FUNDS TRASNFER ACT, GAAP, TRUTH IN LENDING ACT, SECURITIES AND EXCHANGE ACT, INDENTURED TRUSTEE ACT AND THE BANKRUPTCY ACT.
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| 04/27/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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- Unauthorized transactions or other transaction problem
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Web |
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On XX/XX/2021, I received a phone call from XXXX recognized the number as TD Bank XXXX and quickly did a XXXX search to validate. The caller identified themselves as a TD Bank employee calling from the Fraud Department, and stated they had flagged a {$620.00} charge from XXXX. I replied that the charge was fraudulent. The caller advised that there were additional transactions they wanted to verify. They provided a series of dollar amounts that were initiated via bank transfer to an account held by XXXX XXXX in XXXX Texas. I responded that I had no knowledge of these transfers or the individual. Over the course of the conversation the caller referenced my bank account number, home address and phone number. The caller also mentioned by name an individual that I had sent funds to via XXXX over a year prior. They advised I contact this individual to ensure there was no fraudulent activity on their account. This was the one and only time I had used XXXX in the past. They also asked that I provide my 4-digit phone code so they could validate my account to reverse the funds transfers. I provided this code as requested. I was not suspicious, as they called from TD Bank 's phone number, had all of my account information, and gave me no had no reason to doubt I was speaking to a TD Bank employee.
The caller advised that as my account had been compromised they would forward all of the details along for investigation. In order to halt the transfers they asked me to validate my account user name. I provided my user name. It did not raise any red flags for me as they weren't asking for my password. They also advised they would need me to respond to a " Y '' or " N '' text message to reverse the funds transfers that had been initiated fraudulently. They talked through each transfer with me, and I received a subsequent text message for each that appeared to be from TD Bank. There was a contact number on the text message which I quickly Googled, and found associated with the TD Bank website. My husband had previously received " Y '' or " N '' text messages from TD Bank, so it did not seem unusual to me. I assumed I received a call because of the high cost and number of fraudulent transfers. I replied to the text messages, with the intent of authorizing reversal of the transfers. The caller confirmed they had canceled my debit card, and asked for confirmation when I would be available the next day to sign for a replacement debit card. They advised it would deliver between XXXX, and that I would have to sign for receipt.
The following morning, XX/XX/2021, the debit card did not arrive. I called TD Bank at the same number referenced above, and spoke to a bank employee. I explained that I was uneasy as the card had not arrived, and wanted to ensure the charges had been reversed as discussed, I also wanted to confirm I had actually spoken to a TD Bank employee. The bank employee stated that the rep had " forgotten '' to order my new card, so he would do so for me. He told me the account had been " hot-carded '', but gave me no indication that I was dealing with a scammer the previous day. After ending the call, I still felt uneasy so I decided to call my local branch to validate that the charges had been reversed. They repeated that my account had been hot-carded. I asked if I should close my account and they told me it wasn't necessary. They then placed me on hold so they could talk to their manager. They came back on the line and told me to come into the branch.
I went into the branch and explained the entire situation. I showed the TD Bank employee XXXX XXXX XXXX the text messages as well. She advised that we had been targeted by a known scam. She insinuated that I must have provided my account number, which was not accurate. She walked me through closing my account, and opening a new account. I asked again if the transfers had been reversed. I was told that I could not take any action until the charges cleared.
The following morning, XX/XX/2021, all of the charges that had been discussed with the original caller hit my account, with an additional {$2400.00} charge that was never discussed, and which I never authorized via fraudulent pretenses by text. The total of the fraudulent transfers was {$6100.00}. I went back to my local branch, met with XXXX, and disputed the charges. I offered to provide the text messages, but XXXX chose not to include them in the dispute. She advised that the funds would be returned to our account in 7-10 days. This same day I received confirmation emails that were manipulated to appear as official correspondence from TD Bank from the email address XXXX.
I received a letter in the mail from TD Bank dated XX/XX/2021, stating that my dispute had been denied as I had authorized the transfers. This was surprising as I had sent the texts under false pretenses, and I never sent any texts authorizing the additional {$2400.00} that was transferred out of my account. The caller was convincing and possessed detailed account information. As soon as I became suspicious I took immediate action to call the bank, and received a subpar response. The first bank employee did not indicate that I had been the victim of a scam. I was proactive in reaching out directly to the branch, and it was only then that the situation became clear. I acted swiftly and proactively to dispute the charges and protect my account.
After receiving the denial I returned to the branch and spoke to XXXX. She made a phone call and advised that my request was denied because I had to provide a police report. I subsequently went to the XXXX Police Department and filed a report. Once the report was available, I returned to the local branch and was told XXXX was no longer employed by TD Bank, but someone else could assist me. I provided him with the police report and all of the documentation that had previously been offered to include with my earlier dispute. I provided screenshots of the text messages and the phony confirmation emails. I received another letter in the mail dated XX/XX/2021, denying my claim as the " transactions were authorized by the account holder ''.
I spoke with the same bank employee who advised security had reviewed my claim and determined that I had knowingly authorized the transfers. I disputed this fact, and pointed out that I had never even received a fraudulent text for {$2400.00}, so I had not provided authorization under false pretenses. I asked him to initiate another dispute, and again received a letter dated XXXXXX/XX/XXXX that my dispute was declined as the " transfers were authorized by the account holder ''.
I have exhausted my options in attempting to resolve this with TD Bank. I was very clearly the victim of a scam, that the bank admitted they have prior knowledge of. I took immediate action to cancel the fraudulent activity and protect my account. The company made me file a police report, yet never had any intention of approving my claim. They have provided the same inaccurate response to each dispute, that I had 'authorized the transfers. '' I have banked with TD for over a decade, and I am shocked that in the midst of a pandemic they would treat a customer that had clearly been victimized so poorly. I am requesting your assistance in resolving this matter and would be happy to provide any additional information that is required.
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| 07/27/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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On XX/XX/2018, I visited a XXXX XXXX store and shopped for several items. The customer sales representative while checking out my items, offered a special Nordstrom card to me. She said that this would allow me to accumulate points when I make purchases as well as provide me a {$40.00} coupon for signing up. I was wary of credit cards and especially the impact new credit can have on my credit score, so I asked the store representative to confirm whether the application for the Nordstrom card would require a hard inquiry of my credit score. I was specifically and repeatedly ( at least five times ) told that the inquiry would be soft and very soft. Based on this representation, I agreed.
As the store representative was ringing up my items, she told me that they would process payment for the items purchased using the new Nordstrom card. I immediately objected. I told her that I had no intention of using the card for credit purchases and that my purpose instead was simply to get the {$40.00} coupon/points program. I was told that the coupon could only be given if I made the purchase. Accordingly, I told her to stop the purchase through the new card and use my existing credit card to complete the purchase. I also told her to immediately cancel the card and void the transaction, since I was never told that I had to actually use the stores credit. She complied and called the stores helpline for this purpose. While she was on the phone, I also requested to speak with the helpline representative ( XXXX ) to ensure that she had the correct details. I also asked XXXX ( helpline representative ) to confirm that the inquiry made on my credit report was indeed soft. To my shock and dismay, she said No.
I immediately protested and told XXXX that I had been misrepresented. XXXX, regretfully, only apologized and told me to take the matter up with the stores customer experience manager. Accordingly, I requested to speak with her.
XXXX, the stores customer experience manager, understood my problem and called the stores card helpline again to resolve it. After an extensive wait, I was told the following : 1. The hard inquiry on my credit card report will be removed. The company will communicate the error/unauthorized inquiry to the credit bureaus and they will also send a letter to me in relation to this.
2. All information regarding my account, if any, would be requested to be removed from the credit bureaus.
3. I will receive a letter stating that my account has been cancelled ( perhaps this letter will also include my cancelled credit card ).
4. I will receive a XXXX XXXX note/coupon in the mail.
5. I could call XXXX in case I have any questions.
The very next day ( XX/XX/2018 ), I called the number provided by XXXX, Nordstroms Customer Experience Manager. My credit report had already shown a hard inquiry from NORDSTROM/TD BANK USA and my credit score had fallen considerably ( by 35 points ). I wanted to relate this information and also provide my email address for receiving further communications.
The helpline representative ( XXXX first, then XXXX ) confirmed XXXX account and said that my issue would be resolved. I was told that all information relating to this incident ( including the inquiry ) would be permanently removed from my records ( i.e. if the same had even been communicated - which should not be the case since the account was closed immediately ). The representative did mention that I would not receive the XXXX XXXX coupon. However, I made clear that at this stage I was not interested in the coupon, and simply wanted a return to my credit position prior to the inquiry/opening of account by Nordstrom. Since all my acts were in made reliance of Nordstroms false and material misrepresentations, Nordstrom was liable for complete restitution. We also agreed that all further communications would be sent to me via email and that I should expect written communications which reflected our discussion, especially in relation to the unauthorized hard inquiry by Nordstrom.
The next day (XX/XX/XXXX ), I received an email from XXXX. This email included a letter as an attachment, which I have also attached with my complaint. As you will see, this letter only mentions that my account has been closed at my request and that the three major credit bureaus have been notified of this change. Even though I wanted to I could not reply and immediately dispute this email ( as this email could not receive replies ) ; however, the very same day I called the helpline and voiced my concerns.
I told the Nordstrom card representative that this letter did not capture ( and was in fact against ) previous representations given to me by the Nordstroms management and representatives. Firstly, the opening and closing of the account should not have been communicated to the credit bureaus since the opening of the account was itself fraudulent. Also, the company had expressly undertaken to not communicate this information to the credit bureaus ( and if this communication was communicated, it should have been withdrawn ). Secondly, the letter did not mention any action ( or even the incident ) in relation to the unauthorized hard credit check.
I requested a response in writing or a communication with someone senior in the management. This was the second time I had been misled by Nordstrom. I was admittedly quite frustrated. At every stage, I had tried to cooperate with them to resolve a matter which was entirely their fault. However, my complaint was not being dealt with seriously. I made clear that unless I received a satisfactory response in writing or an assurance from their management, I would file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). I was kept on hold for a few minutes, but the helpline representative was unable to get someone from the management.
Despite my notice to file a formal complaint, I have so far not heard from the Nordstrom or received any communication from them. Their modus operandi appears to be one of misleading consumers and delaying resolution until they give up. Throughout this process their sales and helpline representatives were admittedly polite. But this is of itself not helpful quite the contrary. They give you the impression that they are interested in solving your problem, when, in fact, they are simply buying time.
I have so far directly spent over five hours of my time trying to resolve this issue. I have also suffered direct harm due to the damage to my credit score ( 35 points till date ). All of this is due to the false and material misrepresentations by Nordstrom. Many others could be similarly placed. In fact, in my discussions since with other sales representatives at Nordstrom, it appears that they both lack training and information, and are also provided adverse incentives to hard sell Nordstrom credit card products. Unwitting consumers are accordingly being deceived to take on credit card obligations without accurate information. It should be noted that even where a consumer has the sense to close his or her account, the impact of a hard inquiry can be sufficiently damaging. For instance, the AAAcreditguide notes that for consumers, on the cusp between poor and fair, 5-10 points might make all the difference in getting better loan terms.. .or access to a loan at all.
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| 12/04/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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Web |
Older American |
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Subject : Unpaid Savings Interest TDBank has not paid the interest they told me I would receive following my deposit of over {$800000.00} into my savings account. They told me they would match another banks current competitive rate that I showed them from XXXX Bank of 4.5 % when I met with the TDBank XXXXXXXX XXXX manager on XX/XX/XXXX. Instead of 4.5 % annual interest rate, they actually paid interest at a 0.02 % annual rate from XX/XX/XXXX through through XX/XX/XXXX or XXXX before increasing the rate. In XXXX, TDBank informed me I would receive a 5 % annual rate retroactively on my account due to the extended time to resolve the issue and the patience I had shown. To resolve the issue, TDBank needs to pay the compounded interest due of {$4100.00} minus the adjustment they made on XX/XX/XXXX of {$460.00} resulting in a total amount due of {$3700.00} to settle this issue.
Issue Summary On XX/XX/XXXX, I my wife and I closed on the sale of our home in XXXXXXXX XXXX We met with XXXX XXXX XXXX in the TDBank office in XXXXXXXX XXXX to notarize the closing documents and complete the closing transaction which included a wire transfer into our account of over {$800000.00}. I informed XXXX XXXX that we would be transferring the money out of TDBank unless they could match current competitive savings rates. XXXX XXXX said that if I could show her a competitive rate that TDBank would match it. I showed her on my cell phone the current savings rate for XXXX XXXX at 4.5 %. She told me TDBank would match that rate. In early XXXX when I reviewed my savings account, the XXXX savings statement showed I received only {$13.00} interest for the month of XXXX when the account had over {$800000.00} for the entire month and I should have received over {$3000.00} interest. I contacted XXXX XXXX at TDBank about the error and informed her that the competitive rate from XXXX XXXX was now 4.65 %. XXXX XXXX indicated they would make the correction.
Since early XXXX, Ive been told a multitude of excuses by the TDBank XXXX branch on why the unpaid interest had not been corrected. In fact, the interest rate wasnt adjusted until the second week of XXXX. In late XXXX I was informed that due to my extreme patience, TDBank was going to retroactively increase the interest rate on my savings account to 5 %. TDBank currently owes us over {$3500.00} in interest.
Ive contacted the TDBank XXXX branch via phone calls and emails repeatedly to get the issue resolved. I have heard a multitude of excuses for XXXX XXXX unavailability, absence and failed returned calls or emails. I have been repeatedly told of problems with TDBanks Back Office operations and personnel delaying the resolution. Ive contacted TDBank Customer Service and was told that XXXX XXXX would contact me to resolve the issue. I did not receive a call text or email. Two weeks ago I sent a demand email to XXXX XXXX requesting payment of the missing interest and escalation of the issue requesting contact by a TDBank Vice President. I have heard nothing since sending the email.
Details and Backup Documentation On XX/XX/XXXX, I contacted the XXXX XXXX TD Bank to set up a meeting to have someone at the bank notorize closing documents on the sale of our home in XXXXXXXX XXXX. At the XXXX TDBank branch, we were asked to go into XXXX XXXX XXXX office, the bank manager. XXXX XXXX assisted us with receiving, signing via XXXX, notorizing and returning the closing documents. I informed XXXX XXXX that we would be receiving a wire transfer of over {$800000.00} into our TDBank account that day on the sale of our home in XXXX and asked her if TDBank would match current market competitive interest rates which were higher than what TDBank offers as standard. Otherwise, I would be transferring the deposit to another bank that would provide the higher interest rate. XXXX XXXX clearly indicated that TDBank would offer a matching interest rate if I could show her the interest rate from a competitive bank. I showed her the rate of 4.5 % from XXXX XXXX from my cell phone. She took my phone and sent herself a picture of the rate and said TDBank would match it ( see file attached.
After the XXXX of XXXX holiday, I checked my savings account and found the interest paid for the month of XXXX was only {$13.00}. I called TDBank XXXX and requested the interest rate to be corrected and back interest paid. I also sent XXXX XXXX an email ( see file attached ) documenting our discussion and attached a picture showing the current interest rate from XXXXXXXX XXXX had increased to 4.65 %. She replied that she would work out the issue that afternoon ( see fie attached ).
On XX/XX/XXXX, I sent an email to XXXX XXXX reminding her that I needed resolution and the interest deposited into my account ( See file attached ) On XX/XX/XXXX, the interest due me had not been deposited. I checked with the TDBank branch in XXXXXXXX XXXX. The XXXX branch indicated that there was an open issue for resolution. I sent and email to XXXX XXXX and she replied that she would look into the situation that day and get back to me. She never called back. ( see file attached ) In early XXXX I reviewed my savings statement and found that the interest rate had been changed on my savings account sometime in the second week of XXXX. I contacted TDBank by phone and spoke with XXXX about the issue because XXXX XXXX was not available. She said she would look into it and get back to me. XXXX did get back to me and indicated that since XXXX XXXX initiated the issue resolution, only XXXX XXXX could get a response from the back office. XXXX said she would have XXXX XXXX contact me as soon as she got into the office the following week. I did not receive a call from XXXX XXXX.
On XX/XX/XXXX, I checked my savings account and still saw no interest paid to correct the problem. I wrote another email to XXXX XXXX on XX/XX/XXXX. In the third week of XXXX, I contacted XXXX XXXX asking about resolution on the interest. She replied that the back office had told her the issue was addressed and closed. I told her that it had not been addressed and after checking my account, she said she would open another issue resolution request. She followed up with a reply to my XX/XX/XXXX email ( See file attached ) on XX/XX/XXXX indicating the back office personnel had been an issue and that she now had a new person assigned to the issue. She also indicated that she had bumped the issue up the ladder to speed the resolution.
Reviewing my statement on XX/XX/XXXX indicated the issue had not been resolved after three months!
After calling again on XX/XX/XXXX, I received an email reply from XXXX XXXX that the issue was finally getting resolved. On XX/XX/XXXX, I received an email stating that TDBank would deposit {$460.00} into my savings account for the interest due XX/XX/XXXX through XX/XX/XXXX. I replied with a detailed email showing the interest each day I should have received from XX/XX/XXXX through XX/XX/XXXX. ( see file attached ) On XX/XX/XXXX, I sent an email to XXXX XXXX demanding resolution and payment of the interest due for the month of XXXX and compounded interest since XX/XX/XXXX. ( see file attached ) also demanded escalation of the issue and contact by a Vice President at TDBank.
I have not had a response.
|
| 04/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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TD Bank informed me by email on XX/XX/2021 that my loan was cleared to close on XX/XX/2021. I received a Closing Disclosure ( CD ) on XX/XX/2021, within the 3-days required before closing ; however, the closing costs totaled {$6900.00} and cash to close was {$6100.00}, which was not a good estimate, given that I was closing a modification ( XXXX ) with reduced mortgage tax and title insurance costs. I requested a copy of the final updated CD with the correct fees to determine how much funds I needed to have at closing. The title company confirmed that they provided the title fees to XXXX in early XXXX and an updated copy in early XXXX so the CD could have been prepared with more accurate fees. I also needed the time and location of the closing to make plans. There was no response and no confirmation whether or not the closing was still happening on XX/XX/2021.
On XX/XX/2021, I contacted the Mortgage Originator and asked for a new closing date of XX/XX/2021, and again, asked for the final CD but did not receive a copy. My closing was scheduled at XXXX on XX/XX/2021 ; the bank attorney asked for a later time at XXXX as he was still waiting for the CD to be finalized. I received the CD from XXXX XXXX at XXXX, less than 2 hours before my closing, requiring {$2000.00} cash to close. I noticed an error and immediately emailed XXXX at XXXX to discuss the CD before closing but no response. I asked the bank attorney to contact the closing team and he said he would try to get the CD changed but it did not happen. We got to the closing and the Notary and Title Closer was not informed that a request was made for a revised CD, and she only had one set of documents, which meant no copies for us to review during the 3-day rescission period. XXXX did not provide the closing documents to us electronically. I had to ask to make copies at the closing location.
Noted CD Errors The CD provided on XX/XX/2021, disclosed fees for Section B ( Services Borrower Did Not Shop For ) totaling {$77.00} ( Credit Report fee {$45.00} - Flood Certification {$5.00} - Tax Service XXXX ) and Section C ( Services Borrower Did Shop For ) included title-related fees that I shopped for as I opted to choose my own title company. The fees were inflated but I suspected they would be reduced to reflect the actual title company 's fees at closing.
The CD provided the day of closing, XX/XX/2021 included two additional fees required by the bank 's attorney totaling {$1600.00} ( {$1200.00} Settlement and {$350.00} to prepare the XXXX doc ) that was not disclosed in the Loan Estimate provided at application on XX/XX/2021, or the CD provided on XX/XX/2021. Additionally, these were not fees I could shop for but TD Bank incorrectly disclosed these fees in Section C, which was inaccurate, and not permitted. I asked the attorney to ensure that these bank required fees are accurately disclosed in section B and also have the closing department explain why these fees were not previously disclosed. No response.
The final CD included a {$350.00} " Doc Prep Fee '' payable to the title company but the title company does not charge that fee as disclosed in the final CD. This fee is not included on the Title company 's title bill. I asked the banks attorney about the fee and he shared that its a buffer charge to cover any unknown fees that may emerge that were not disclosed. Again, this last minute added charge, which is incorrectly disclosed as a title company doc prep fee that I shopped for, does not meet the spirit of transparency required by TRID. When I asked about this fee, the attorney noted that if theres no additional charge then the amount is refunded the day of funding. The problem is, that important detail was not shared until I asked about it as it was masked as a required fee. This buffer charge should be clearly and separately listed as an attorney escrow amount for miscellaneous funds and an upfront disclosure that it is refundable if not required so that Im aware. It is my hope that these masked buffer fees are actually refunded to customers when no such miscellaneous charge exist.
TD Bank should engage attorneys who understand the Truth in Lending requirements and not just trying to collect fees, by any means necessary. The most troubling discovery of all is that the banks attorney shared that it has been an issue for some time as he was aware and informed XXXX in the past that they should disclose the attorney fees upfront but the issue remained unresolved. He then said thats the fee he charges and must be paid regardless of where it is listed on the CD. This statement confirms a major problem because it does matter where the banks attorneys fees are disclosed on the CD as it impacts the 10 % threshold limitations for Section B. You can not just slip fees in on the day of closing and mask them as services I shopped for that I did not. This is extremely disappointing and frustrating to hear and concerns me for other consumers who are not familiar with the requirements.
Regulation Z Section 1026.37 ( f ) ( 2 ) requires that for services you can not shop for, the bank should disclose that it is a component of title insurance or is for conducting the closing, and the introductory description Title - shall appear at the beginning of the label for that item. The CD did not meet this regulatory disclosure requirement for Section B of the CD.
Regulation Z Section 1026.19 ( e ) ( 3 ) ( ii ) provides that certain estimated charges are in good faith if the sum of all such charges paid by or imposed on the consumer does not exceed the sum of all such charges disclosed pursuant to 1026.19 ( e ) by more than 10 percent. Section 1026.19 ( e ) ( 3 ) ( ii ) permits this limited increase for only the following items : i. Fees paid to an unaffiliated third party if the creditor permitted the consumer to shop for the third-party service, consistent with 1026.19 ( e ) ( 1 ) ( vi ) ( A ). I was not permitted to shop for XXXX XXXX bank attorney service and these fees exceed the 10 % threshold, permitted for Section B fees. There was no changed circumstance that permitted the bank to increase Section B fees and as such XXXX is required to reduce the fees to the permitted limits. The bank 's efforts to include section B fees the day of closing in Section C to circumvent the tolerance limitations outlined in regulation Z is a violation of law and a deceptive practice.
It is my hope that this issue was isolated and not systemic due to elevated risk for consumer harm. The TRID requirements were implemented by the CFPB to enhance transparency and to prevent these practices. I am disturbed that XXXX, a CFPB and OCC regulated institution, would not provide adequate training to staff to ensure that they comply with these basic requirements for their role.
We signed the loan documents on XX/XX/2021 but did not sign the CD because it did not meet the regulatory requirements. We asked to have a revised CD provided during the rescission period that accurately reflects the Section B and C fees that was disclosed in the Loan Estimate and the XX/XX/2021 CD within the permitted 10 tolerance limit as required by law for Section B. There was no response or confirmation that this will happen.
|
| 01/17/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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|
Web |
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On XX/XX/19 I did a deposit in the amount of {$9000.00} in my checking account at the Td bank in XXXX located at XXXX XXXX XXXX are code XXXX. The check was made out from the XXXX XXXX XXXX XXXX for my loss wages because I'm a victim of a XXXX XXXX XXXX. Prior to me depositing the {$9000.00} check I had a balance of {$220.00} in my checking account. The next day on XX/XX/19 I called the bank around XXXX XXXX-XXXX and I had a balance of XXXX. Therefore, I went to the Td bank located at XXXX XXXX XXXX in XXXX, Ct XXXX because I know that they have large bills there, I wanted all {$100.00} bills. So went there so I can withdraw the funds of {$7000.00} from the teller and she said it wasn't a problem then she said she have to get an override. So that's when a lady name XXXX XXXX, financial services representative, said she had to verify the check. They started treating me unfairly and I asked her why do she need to verify the check if the funds had already been released so then I told her I didn't want her to verify anything because I didn't give her permission to look into my account because it was suspect to me why she would need to verify a check when funds was already released into my account. She then went into the office of assistant manager XXXX and they both were being rude treating me unfair saying they had to verify the check so I told them to give me the withdrawal slip back because it was strange to me that they would need to verify something that already was verified. So eventually they gave me the withdrawal slip back, I then went into my car to call the Customer service call center at XXXX at around XXXX XXXX and I explained to Mrs. XXXX at the XXXX call center in Maine about my situation and she then spoke to her manager named XXXX and she told her to tell me to go to the bank where I deposited the check which was at XXXX XXXX XXXX in XXXX, CT to do the withdrawal and that they shouldn't give me a problem. I went back into the XXXX location because I was still sitting in my car outside that location to tell them what XXXX had told me but XXXX was still giving me a hard time saying she was still trying to verify the check. I know Mrs. XXXX told me to go back to the bank in XXXX to withdraw the funds where I deposited the check but I just wanted to try and see. So that didn't work out. I went to the XXXX location to withdraw the funds with the teller XXXX and he said he had to call his manager So then the manager came over name XXXX XXXX and she also gave me an hard time after I was explaining to her that Mrs. XXXX spoke to her manager XXXX and they said that they spoke to the manager at the XXXX location which at the time was XXXX XXXX. She was also being rude saying nobody spoke to her and that she needs to verify the check then I kept telling her what Mrs. XXXX and Mrs. XXXX said then all of a sudden she got rude and said there's no funds available. I went back in my car to call the customer service again to tell them what happened and see if I can talk back with Mrs. XXXX or Mrs.XXXX. I found out that my balance was now XXXX and the lady I was speaking to was very rude on the phone saying I couldn't speak to them. I had to hang up cause she was very rude saying she was the manager in XXXX, Maine. So then I called again asking why my account is saying XXXX when it just said XXXX about half hour ago. They told me that my account had a restriction on it from the fraud dept. and I kept asking them why I didn't do no fraud and never did. They still kept giving me a hard time. I spoke to someone named XXXX also and they all gave me a hard time. I finally went to the victim services to explain what was going out with the check and I spoke to Mrs. XXXX XXXX, Fiscal administrative assistant 2. She was very nice and helpful she called the bank to try to explain to them that there was nothing wrong with the check and she couldn't get through to the manager. I stayed there for close to an hour. I broke down crying because they've been putting me through a lot of stress the whole day. It was now around like XXXX XXXX. I went home for a few mins called the customer service again still the same thing and I explained to my mom what was going on my mom was also upset that they was treating me that way she spoke to the lady on the phone but still nothing. So I called the XXXX branch again and spoke to XXXX and I asked her why did she put a restriction on my account and she said she didn't do it that the XXXX branch did it. So I went with my mom back to the XXXX branch to ask Asst mgr.XXXX why did she put a restriction on my account that she had no right to put a restriction on my account. Then she kept saying about verifying the check. She then put the XXXX back into my account that I originally had in there before depositing the check but then I asked why didn't she put it back the was it was before I first came into the branch which was {$9300.00}. She stated she needed to verify they check because the amount and I said if the check was already verified and the funds was released you had no right to do that. So I waited in my car for about an hour then I had to leave because I had to pick my niece up from the bus stop. I called the customer service number again because they said someone put a hold on the check and that they put into the notes steps they need to do to remove the hold but still didn't do. Mrs. XXXX XXXX spoke to XXXX XXXX and answered questions about me and said she would try to release to the check sooner because XXXX and XXXX was saying it takes up to 10 days to get the check cleared. but I knew that they weren't telling me the truth. So I called some lawyers to see about a claim for racial discrimination. The time now was around XXXX XXXX close to XXXX. I call two different law firms and the second law firm told me about the CFSB website to make a complaint. So I called the XXXX location and I told a guy that I wanted to speak to XXXX to see if she took the hold off the check yet and that I was going to make a complaint because I called one of the times earlier that day and spoke to a guy and said XXXX was on lunch and that he would have her return my call and she never did that was before I went back there the second time. So I told him I was going to make a complaint to the CFSB. A girl named XXXX called me back saying she had good news that they took the hold off and for me to come down to get the money but earlier that day that same girl XXXX called me and said she would try to have it ready tomorrow which was going to be XX/XX/19. So I called the Customer service number to check my balance and the balance said XXXX. I called them again and asked XXXX if the money available why my balance still say XXXX she said because we thought by time you got here it will reflect on the account. I said ok and hung up she called me back in about five mins and then said it was showing in my account. If I hadn't told them I was going to make a complaint that would not had took hold off the check. I didn't get done with everything until around XXXX XXXX. So it took all day and a lot of time out my day from things I had to do. and the rudeness and they treated me very unfairly
|
| 12/15/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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|
Web |
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Per 15 USC 6805 and FCRA and as a federally protected consumer, I am opting out of any and all authorizations reporting of my personal data to anyone without my prior written consent. Any further sharing of my personal data will be in violation of my rights under the Privacy Act of 1974 and copyright protection. My right to have a fair and equitable consumer report has been and continues to be violated by NORDSTROM/TD XXXX XXXX XXXX
In addition to the above complaint, per 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT, I did not give permission to report on my consumer credit. XXXX & the listed creditors and alleged debt collectors is in violation of the law. Under 15 U.S code 1681- Permissible purposes of consumer reports. a ) general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my transaction history on my consumer report and furthermore the FCRA 15 U.S. Code 1681a - definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT containing information solely as to transactions or experiences between the consumer and the person making the report.
Credit reporting agencies such as XXXX, XXXX and XXXX are defined by the Graham Leach Bliley Act as financial institutions subject to its rule making authority pursuant 15 USC 6804. XXXX, XXXX and XXXX are not upholding its role pursuant 15 USC 1681. You ( NORDSTROM/TD XXXX XXXX ) are not upholding your grave responsibilities with fairness, impartiality, and respect for my right to privacy in the vital role you assumed in collecting, storing, assembling, and sharing an accurate and equitable consumer credit profile on my behalf. This is MY consumer credit profile and reporting inaccurate information is a discriminatory practice and is prohibited pursuant per the Equal Credit Opportunity Act.
Your failure in responsibilities includes but not limited to, a violation pursuant 15 USC 1681a ( 2 ) ( a ) ( I ) - XXXX, XXXX and XXXX continues to furnish reports containing my transactions histories, debt utilization, payment history, inquires, and credit card balances are a few examples of transactions and experiences. A violation pursuant 15 USC 1681c ( a ) ( 5 ) - any adverse information shall be excluded from the consumer report. You are subject to civil liability pursuant 15 USC 1681n, 15 USC 1681o and a violation of 15 USC 1692c- you are acting in capacity of a debt collector when you communicate/ advertise my transaction history.
My consumer report is a form of communication and advertising my transaction history is an attempt to coerce payment of the alleged debt. The provisions of 15 USC 6801 ( a ) this requires financial institutions to notify consumers of their information sharing practices and provide a right to opt out of certain sharing. I never received an opportunity to opt out of notice from NORDSTROM/TD XXXX XXXX XXXX As a violation of 15 USC 6802- you ( NORDSTROM/TD XXXX XXXX XXXX communicated my nonpublic personal information to unaffiliated 3rd parties without my consent and without giving me the opportunity to direct such information not be disclosed. All of the information contained in my consumer report is nonpublic personal information unless I give you permission.
You ( NORDSTROM/TD BANK XXXX XXXX are also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( NORDSTROM/TD XXXX XXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. Per 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT regarding inquiries, if the accounts are not open on my credit report all inquiries will have to be removed ; please provide documentation that you used to verify that the inquires ( i.e. promotional or otherwise ) are open accounts with the creditor. Please be advised that I dispute the validity of the listed alleged debt in its entirety. I request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Be advised that a billing statement, notice or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the listed alleged debt. If you opt to provide verification, also provide me with proof of the chain of title ownership of the debt. Also, if the alleged debt was acquired by a debt buyer, you would also need to provide proof of the chain title of the alleged debt, and this must be from the original creditor to the current alleged without a break in chain.
This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data. Failure to remove these debt collection accounts and update transactional history as PAID AS AGREED/ON-TIME on these accounts within 4 days from my consumer report as requested will result in legal matters being taken upon you. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. During this time collection activity must cease and desist. If any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until such a time as the debt is proven valid. If I personally do not receive any response from you for VALIDATION of this account within 4 days, all references and claims to this account must be deleted from your files. Adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { { { {$5000.00} } } } per violation, civil damages for 15 USC 1692 ( j ) are up to { { { {$1000.00} } } } .per violation NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.
|
| 01/05/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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|
Web |
Servicemember |
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I recently learned, only by coincidence, that TD Bank USA/Target Credit did not apply my credit card payments correctly, did not reverse a {$29.00} late fee as discussed on XX/XX/XXXX. TD Bank USA/Target Credit charged me additional charges, and has messed up my good credit record. I became aware of this sad mishap only because I attempted to use my Target XXXX towards a small purchase on XX/XX/XXXX.
What occurred is how TD Bank USA/Target Credit handled my payments, and how their reps do not hear and report accurate information regarding my account or any account holder, with similar situation. This is NOT RIGHT! I respectfully asked that TD Bank USA/Target Credit PLEASE CORRECT THIS WRONG and REPORT an ACCURATE AND COMPETE PICTURE!
Please note, I am a very responsible consumer, and have maintained perfect credit for the past XXXX years. I pay all my credit accounts off early, and/or monthly. Furthermore, I maintain a very low credit utilization rate ( XXXX % ).
On XX/XX/XXXX, I made a purchase of {$120.00}, which I paid off in XXXX months!
On XX/XX/XXXX, I made a payment of {$30.00} for payment to be due in XX/XX/XXXX.
On XX/XX/XXXX, I made a payment of {$50.00} for payment to be due in XX/XX/XXXX.
On XX/XX/XXXX, I learned, only by coincidence, that your company, TD Bank USA/Target Credit XXXX XXXX me a {$29.00} late fee, of which was to be reversed upon receipt of remaining balance of XXXX.
On XX/XX/XXXX, I paid off the remaining balance of XXXX. XXXX paid off in XXXX months! Paying this account off was never an issue or problem During XX/XX/XXXX, I learned Target had charged me a {$29.00} late charge, of which I should never have been charged because I had already made the XXXX payment. When I addressed this, the Target representative did not inform me about the XXXX payments I had already made. ( I did not have my statement in front of me ). On XX/XX/XXXX, I paid off the remaining balance of XXXX.
On XX/XX/XXXX, per telephonic conversation, Target RedCard ( TD Bank USA/Target Credit XXXX XXXX XXXX reverse a {$29.00} late fee upon receipt of remaining balance of XXXX ( & XXXX + XXXX credit card fee ). On XX/XX/XXXX, TD Bank USA/Target Credit XXXX XXXX {$45.00} from my bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX making my account paid in full, and should have been zeroed out.
Unknown to me, because I never received any further communication from TD Bank USA/Target Credit XXXX not do what stated they would do, as recorded and noted. They did not reverse the {$29.00} late fee as agreed upon. Me knowing my remaining balance of {$45.00} was received the next day, On XX/XX/XXXX, I was clearly under the impression I was free and clear and did not owe anything. One can not always retrieve statements when their system does not allow it due to server issues, etc.
I was totally unaware that TD Bank USA/Target Credit XXXX XXXX unearned late charges on top of the late fee they failed to remove as discussed and agreed upon back on XX/XX/XXXX. Once again, I paid off my account on XX/XX/XXXX as I stated I would do, as per conversation with the Target XXXX department back on XX/XX/XXXX. Once again, I never knew I was ever late simply because I made the first XXXX payments to stay ahead.
I did not receive and was unaware of any new statements after I paid off my account back in XX/XX/XXXX. I was under the impression that my account balance should have been at a XXXX balance. XXXX does not send out statements when account holders have XXXX balances. I normally do not use Targets Redcard. I have no statements between XX/XX/XXXX- XX/XX/XXXX, and between XX/XX/XXXX- XX/XX/XXXX.
As mentioned, I recently learned, onlly by accident, that TD Bank USA/Target Credit had charged me additional unearned charges, only because I attempted to use the Target RedCard for a purchase on XX/XX/XXXX.
Upon learning of this unknown to me outstanding balance, I immediately contacted TD Bank USA/Target Credit XXXX XXXX out about these new charges which I was totally unaware of.
After much frustration and going back and forth, On XX/XX/XXXX, TD Bank USA/Target Credit now stated that they could only remove up to XXXX of their added unearned late fees due to their policy. Because of the long unfruitful time I spent on the phone discussing this matter and having to go to work, I reluctantly paid the lesser of the fees {$29.00} to help clear up this matter, and to avoid x further complications of TD Bank USA/Target Credit XXXX XXXX my good credit. In all fairness and humanness, they should have the XXXX late notice removed and be refunded {$29.00} immediately.
As of XX/XX/XXXX, Target reps also stated I was never late. TD Bank USA/Target Credit XXXX XXXX corrective action to have this incorrect information removed from my credit reports.
Some of TD Bank USA/Target Credit representatives do not clearly and accurately communicate the issue of payments received and what has/had been reported or not reported to the credit bureaus. This is not good. In this day of paperless communication, I never received any communication from TD Bank USA/Target Credit indicating that there was a problem with my account.
In this present day of inflation, XXXX, high gas prices, life issues, etc., it is important to maintain good credit to live, survive, and thrive. In my situation, or any similar which consumers go through. This is CLEARLY NOT FAIR. TD Bank USA/Target Credit XXXX XXXX XXXX, that we, responsible consumers, are their target! They placate and patronize some of its consumers.
This is not fair for consumers who act, in good faith, honoring our part. TD Bank USA/Target Credit clearly did not honor its part by manually correcting miscommunication, human error, a companys inability to correct certain issues, and/or computer error. I, or any consumer, should not be penalized. TD Bank USA/Target Credit is not reporting accurate information and presenting a complete picture.
CORRECTIVE ACTIONS TARGET NEEDS TO TAKE : XXXX XXXX XXXX XXXX XXXX XXXX to remove the XXXX late notice from my account.
*Restore my credit limit to previous credit limits ( 1Target initially lowered my limit due to my non-use, of which I filed a report ~ 2 years ago ) *Refund {$29.00} late fee I reluctantly paid to avoid further confusion with Target.
According to the FCRA, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.
Again, please IMMEDIATELY REMOVE THE DEROGATORY INFORMATION, which even TD Bank USA/Target Credit states is not correct. and send me written confirmation that you have complied with the law. Thank you for your prompt attention to this matter.
Sincerely XXXX XXXX XXXX XXXXTD Bank computer algorithm was not accurate and lowered my good credit 2 years ago based off my factual perfect payment history, XXXX XXXX ; Target claimed old, outdated, non-factual information XXXX years because consumer was not using their financial product. Target reduced XXXX down to XXXX.
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| 03/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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Nordstrom Visa Nordstrom Card Services XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX Chargeback Investigations Lead Office XXXX Supervisor- XXXX XXXX I have included the full names and phone numbers on the attached document for your reference Date of fraud/scam : XXXX XXXX XXXX Amount of charge : {$1300.00} Location : XXXX XXXX Gas station ( closest gas station to the airport XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fake POS device used and fake merchant business name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Nordstrom Visa was notified 24 minutes after my credit card I believed was skimmed at a gas station in XXXX, XXXX XXXX XXXX. I told them as soon as I realized I had been scammed to not pay this merchant and that it was fraudulent. The proof the fake merchant provided to Nordstrom Visa and they accepted was a fake receipt with a time of XXXX. I called Nordstrom Visa at XXXX. The signature on the receipt also does not match my signature. I was at the XXXX XXXX XXXX past security with a boarding pass when the receipt was supposedly signed. I will go into great detail of the sequence of events in the attached file. It will include proof that statements are true, proof that it was physically impossible for me to be at the location of the receipt and how exactly this was pulled off by the crooks. I also reported the crime to XXXX, the XXXX Consumer protection agency. Every interaction I have with this XXXX agency I have made sure to copy XXXX from Nordstroms Visa. I also contacted the hotel we stayed at XXXX and the car rental company to warn them of the scam so they could protect other tourists.
On XX/XX/XXXX Nordstroms Visa declined my claim. Nordstroms is NOT looking out for their customer. If you pull up my credit report you will see that I have a credit rating of XXXX. I am a law-abiding citizen that will not get taken advantage by a credit card company that wants the easy way out or contribute money to thieves in XXXX.
I can proof my case in 2 ways : 1. Factually with a timeline of the events. The fake receipt provided by the fake Merchant ( XXXX XXXX ) to Nordstrom Visa happens after I had called in the theft/scam on their fraud line. I have receipts and pictures that place me nowhere near where this fake transaction took place.
Timeline : - credit card 1st put in POS device at XXXX for gas. Pictures places me at the gas station at the exact time the charge shows on my XXXX XXXX Look at the pictures time stamp and gas pump picture time stamp. I was at the XXXX gas station.
- My Picture of gas pump : XXXX.
- Receipt of Car rental return : XXXX at XXXX XXXX Just came from pumping gas.
- Phone bill showing a call to Nordstrom visa to report the crime : XXXX ( credit card company has a recording of my call where you can hear I was at the airport and reporting to them my credit card was used fraudulently ).
- My Digital Boarding pass : XXXX shows that I am at the airport - Fake receipt shows signature at XXXX. I was at the airport. The fake receipt shows their address is located 20 minutes away from the airport. I was about to board a flight in the airport. I also have other receipts from my family placing us in the airport at that time.
- The signature on the receipt is not mine. Look at my XXXXXXXX license.
2. Proving this is a scam done over and over at this gas station. I have provided to Nordstrom Visa many similar scams for them to see how this all played out at the gas station once I was back in the United States. There is actually one tourist that was scammed at the same gas station with the same POS machine being used ( one that charges to the same merchant- XXXX XXXXXXXX ) on the victim 's credit card statement.
When at the gas station you believe the POS machine being used is for the XXXX gas station. I found this complaint on XXXX. It happened to them on XX/XX/XXXX. This was 17 days before I got scammed exactly the same way. It is unreal that Nordstrom 's can overlook this proof.
XXXX XXXX XXXXXXXX XXXX XXXX.
XXXX XXXX, CA XXXX XX/XX/XXXX My review is the same as XXXX XXXX . They stole 3 of our credit card numbers using a secondary CC machine. The employee jept saying that the credit card we gave him didn't work. So we gave him another then a 3rd. Then we gave up and paid in US dollars. This morning we woke up to 3 charges of {$1200.00} ( USD ) to a place called XXXX XXXXXXXX. Too bad we didn't read XXXX before going here on the way to the airport. I'm trying to get a hold of the police to report them. Stay away in case you check here. Also, the overhang says it's XXXX, but XXXX maps calls it XXXX.
I also just found another tourist complaint on XXXX about the same gas station using the same scam. The only difference is that the POS machine is now charging as a different merchant. The date for this victim was on XX/XX/XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Save They've upped the ante. Yesterday we filled our rental car before returning it at the first XXXX towards XXXX XXXX to the tune of {$22.00} US ( {$390.00} pesos ). Stupidly we gave them our credit card ( Visa ), having avoided using it the whole time ( I know, I know, 50 years traveling in XXXX and overseas you'd think I'd learned... ) We'd run out of XXXX deliberately as we were flying out. Beware -- the new scam is they ask you friendly questions : " Are you are tourist or working? Just arriving, orf flying out? " Making friendly small talk to distract you and but it's discern if you are about to board a plane and won't be local and able to return to deal with them. While not looking they ran our chip card through a separate swiper called a XXXX as XXXXXXXX XXXX XXXX XXXX ', charging us an additional {$1300.00} in US dollars. At the airport my Visa emailed me that they had declined the {$1400.00} dollar charge, but I had to make several calls to change my card number. Beware of XXXX XXXX XXXX XXXX XXXX charges appearing on your credit card at this XXXX.
Edited : XXXX XXXX XXXX XXXX XXXX Please note : At the gas station I was told it was only a hold for the gasoline never a payment and then told the chip on my credit card was broken. I believed the machine belonged to the gas station. Please note in XXXX all merchants have you sign a receipt after a transaction has occurred. That is probably why the merchant turned in the fake receipt to Nordstrom Visa. The merchant ( thief ) was not aware that I had already called Nordstrom Visa prior to the receipt time and was at an airport about to board a flight when they claim I signed the paper. I called Nordstrom Visa to notify them that my credit card had been skimmed as soon as I put together they were thieves. This took place prior to the receipt. Nordstrom Visa has a recording of my call made 24 minutes after the incident where I explain what happened to me.
Please see the attached files for my proof and for the documentation that I turned into the XXXX Agency.
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| 10/22/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX at XXXX XXXX ( according to the claim form, which is the wrong time ) the atm in the lobby of the TD Bank Branch located at XXXX XXXX XXXX, XXXX NY XXXX, robbed me of {$1000.00}.
On XX/XX/XXXX, I arrived at the branch location sometime around XXXX XXXX. I held the door for a middle aged woman, who went to use the atm. I scanned the lobby, saw a line and waited for the woman to finish using the atm. I only point this out so the cameras can find the actual time. After the woman finished using the atm, I deposited {$1000.00} in " blue '' hundred dollar bills into the machine. The machine stated verifying cash, and appeared to be taking excessively long. After several minutes it displayed some form of error message. Neither the money, nor my atm/debit card was returned. I then told a male patron who was going to use the atm machine to not use it. I went over to the desk of XXXX XXXX, the assistant vice president/ store manager, and informed him of what had happened. We went over to the machine where he pressed cancel and a few other buttons, until presumably resetting the machine. I was informed that a claim needed to be filed and I would have the money in my accountant by the end of the day, or the next latest. When I asked about why they can't open the machine, I learned it is from an outside company ( not TD Bank ), and that at the end of the day the money is counted and they will realize there is {$1000.00} extra. I also expressed my concern ( several times throughout the process ) that the atm should be off. Not only was there the possibility of my {$1000.00} being distributed to someone else, but other people could also be robbed by the atm as it clearly malfunctioned. I was directed to another employee XXXX XXXX, a customer service representative, who had to ask XXXX repetitively on how to file the claim, as well as being extremely uniformed on the situation. After between 10-30 minutes ( I left my phone in the car thinking i'd just walk in and out ) I was given a claim form, a new debit card, and informed by XXXX to call the phone number on the back of my TD bank atm/debit card, as that number belongs to atm service company.
After leaving the branch I called the number on the back of the atm/debit card which is XXXX ( i'd later learn this is the general td help number, not the atm service number. ) The obnoxious automated system and inability to get through to a real person after being robbed by TD bank, caused extreme panic and anxiety to overwhelm me. Before this point I had remained very calm and reasonable. As the TD Bank automated system spout nonsense at me, I heard about a {$2200.00} deposit and paniced more thinking that I had likely deposited {$1100.00} and the machine double counted. It took over 18 minutes of phone time to reach a representative. During this time the mental anguish of already having been robbed by TD Bank, followed by their obnoxious automated system and music had me not thinking clearly, and became concerned that maybe I had just been robbed of {$2200.00}. The original phone representative was named either XXXX or XXXX ( I didn't ask for spelling and no last name was given ), and informed me that the number I called was not the service number. After frantically explaining the scenario I was transferred to a supervisor after roughly 29 minutes of phone time. The supervisor 's name was XXXX ( didn't ask for spelling, no last provided, even though I did ask for her name twice thinking she would inform me of it. ) I basically informed XXXX that I wanted it down that I was unsure of the amount and believed it to be {$1000.00}, thought it was reasonable it was {$1100.00}, and that it was highly unlikely that the amount was {$2200.00}, but to note the automated system told me of a pending {$2200.00} deposit. I also wanted her to note how the branch never turned off the atm machine, and continued to let customers use it. By the time I was off the phone I was physically shaking from anxiety and my heart rate was extremely elevated. After I calmed down and got access to check my online TD bank account, I saw no pending deposits. There was a deposit for {$2200.00} from XX/XX/XXXX that was made at the teller of a different branch. That cleared up the dollar amount, although I don't see how that deposit was pending. On XX/XX/XXXX I logged in my TD bank account and did not see my {$1000.00}, or a pending deposit. I called the TD help line and was informed that it would take 10 business days to get the money in my account. I explained how this was unacceptable and I was told by XXXX that I would have my money today at the latest. After the representative spoke to her supervisor I was told I'd have my money in 3-5 business days. How TD bank processing time changed in a few minutes over the phone clearly illustrates they are just making stuff up. I asked for the atm service company 's number and was informed that they can not provide the number of an outside vendor. Apparently TD can fraudulently pretend to operate atm machines in their branches without informing their clients who is actually handling their money. I also would like to illustrate that on XX/XX/XXXX I was charged an overdraft fee of {$35.00}, which was entirely my fault as I clicked on the wrong linked account for an ach transfer ; however TD bank charged me a {$15.00} maintenance fee on XX/XX/XXXX as well, despite, not falling below the minimum balance, once the overdraft fee was corrected. I did not call or complain to dispute the maintenance fee, and figured i'd point out the usual manner they rob customers, not the blatant new way they are now.
TD Bank clearly violated their fiduciary role and I hope CFPB is able to force them to make changes so this never happens again. For starters I never knew that an outside company services atm 's in branch locations. The fact that I as a customer am not informed or provided with information about who is handling my money is extremely misleading. I would never use any of these machines had I known that a random vendor was operating them. The machines are presented as teller alternatives, not typical atm machines. Then there is the much more significant issue of how I was robbed by a TD Bank atm machine, in a TD bank! The machine should have been open and audited the second I informed the store manager. TD Bank further shows no concern for their customers by causing them extreme mental anguish. There is also the issue of how TD Bank 's policy for a customer robbing atm machine is to turn the thing back on? We all know if I'd have lost my temper in the branch, or attempted to physically pry open the cash deposit I'd be federal prison right now, yet TD Bank can rob consumers of their money, or even worse have their anonymous atm vendor rob their customers. I'm sure I'll never see the funds ( already to late for what I needed them for anyways, costing me more money ) and I hope the CFPB can do anything, or direct me to the appropriate authorities to make sure TD bank can not abuse its power.
|
| 09/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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ORIGINAL CONTRACT WAS SIGNED BY CONSUMER AND TERMS WERE SAID TO BEMONTHLY PAYMENT OF {$680.00} FOR 75 MONTHS. CONTRACT WAS SIGNED XXXX, FIRST PAYMENT IN THE AMOUNT OF {$680.00} WAS DUE BY XXXX.SOMEWHERE IN BETWEEN THE SIGNING OF CONTRACT AND TRANSFER OF CONTRACTTO TD BANK TERMS OF CONTRACT WERE ALTERED AND MONTHLY PAYMENT AMOUNTWAS CHANGED TO {$680.00} AT 76 MONTHS. CONSUMER DID NOT AUTHORIZE NORCONSENT TO THIS CHANGE IN CONTRACT TERMS. THE ACCOUNT HISTORY STATEMENTTHAT TD AUTO FIANNCE HOLDS ON FILE SHOWS CONSUMER BEING CHARGEDMONTHLY PAYMENT OF {$680.00}. CONSUMER ALSO HAS COPIES OF MONTHLY BILLINGSTATEMENT THAT SHOWS TD AUTO FINANCE WAS CHARGING {$680.00}, WHICH IS AN AMOUNT AND TERM NOT AGREED BY OR DISCLOSED TO CONSUMER. TD AUTOFINANCE KNOWINGLY CHARGED THE INCORRECT AMOUNT AFTER RECEIVINGORIGINAL CONTRACT. NOT ONLY IS THIS A BILLING ERROR BUT TD AUTO FINANCE HASBEEN REPORTING THE WRONG CONTRACT TERMS, PAYMENT AMOUNT AND ACCOUNTBALANCE TO THE CREDIT BUREAUS. ALL OF THIS CONSTITUES AS FRAUD. ACCORDINGTO THE TRUTH IN LENDING ACT, CONSUMER IS ACTUALLY ENTITLED TOCOMPENSATION IF SHE HAS TO FILE FOR ARBITRATION. NOT ONLY WERE THECONTRACT TERMS CHANGED, BUT THAT CAUSED A LIST OF OTHER VIOLATIONSINCLUDING FAILING TO DICLOSE THE TRUE APR AND OTHER PERTINENT ACCOUNTINFORMATION. CONSUMER CAN SUE FOR TWICE THE AMOUNT OF CONTRACT FOR THEFRAUD AND NEGLIGENCE. CONSUMER IS CANCELLING CONTRACT AND RESCINDINGSECURITY INTEREST AS ACCORDING TO THE CONTRACT THE DEBTOR ( XXXX XXXX ) CAN UPHOLD THEIR RIGHTS : ANY HOLDER OF THIS CONSUMERCREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTORCOULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANTHERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTORSHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. PLEASE REVIEW THECONTRACT, THE FRAUD ON THE ACCOUNT, AND 16 CFR Part 433 - PART 433PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENSES : 16 CFR 433.1 - Definitions.CFR Table of Popular Names prev | next 433.1 Definitions. ( a ) Person. An individual, corporation, or any other business organization. ( b ) Consumer. A natural person who seeksor acquires goods or services for personal, family, or household use. ( c ) Creditor. A personwho, in the ordinary course of business, lends purchase money or finances the sale of goodsor services to consumers on a deferred payment basis ; Provided, such person is not acting, for the purposes of a particular transaction, in the capacity of a credit card issuer. ( d ) Purchase money loan. A cash advance which is received by a consumer in return for aFinance Charge within the meaning of the Truth in Lending Act and Regulation Z, which isapplied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. ( e ) Financing a sale. Extending credit to a consumer inconnection with a Credit Sale within the meaning of the Truth in Lending Act andRegulation Z. ( f ) Contract. Any oral or written agreement, formal or informal, between acreditor and a seller, which contemplates or provides for cooperative or concerted activity inconnection with the sale of goods or services to consumers or the financing thereof. ( g ) Business arrangement. Any understanding, procedure, course of dealing, or arrangement, formal or informal, between a creditor and a seller, in connection with the sale of goods orservices to consumers or the financing thereof. ( h ) Credit card issuer. A person who extendsto cardholders the right to use a credit card in connection with purchases of goods orservices. ( i ) Consumer credit contract. Any instrument which evidences or embodies a debtarising from a Purchase Money Loan transaction or a financed sale as defined inparagraphs ( d ) and ( e ) of this section. ( j ) Seller. A person who, in the ordinary course ofbusiness, sells or leases goods or services to consumers. [ 40 FR 53506, Nov. 18, 1975 ] 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair ordeceptive act or practice within the meaning of section 5 of that Act for a seller, directly orindirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain thefollowing provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THISCONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THEDEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINEDPURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THEDEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchasemoney loan ( as purchase money loan is defined herein ), unless any consumer creditcontract made in connection with such purchase money loan contains the followingprovision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMERCREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTORCOULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THEPROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEEDAMOUNTS PAID BY THE DEBTOR HEREUNDER. 433.3 Exemption of sellers taking orreceiving open end consumer credit contracts before November 1, 1977 from requirementsof 433.2 ( a ). ( a ) Any seller who has taken or received an open end consumer credit contractbefore November 1, 1977, shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses. ( b ) Definitions. The following definitions apply to this exemption : ( 1 ) All pertinent definitions contained in 16 CFR 433.1. ( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended. ( 3 ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide.The term does not include negotiated advances under an open-end real estate mortgage ora letter of credit. ( 4 ) Contract which does not cut off consumers ' claims and defenses : A consumer credit contract which does not constitute or contain a negotiable instrument, or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer 's right to assert against any holder of the contract all legally sufficient claims and defenses which the consumer could assert against the seller of goods or services purchased pursuant to the contract. [ 42 FR 19490, Apr. 14, 1977, as amended at 42 FR 46510, Sept. 16,1977 ]
|
| 08/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
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|
Web |
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On XX/XX/XXXX, I attempted to visit a TD bank branch in XXXX, XXXX, to withdraw funds to pay rent and bills that I was late on. I am a XXXX and I have lost my job as a direct result of CoVID-19. Being behind on bills and rent until my PUA arrived in my bank, I finally went on XX/XX/XXXX to withdraw money. In order to withdraw more than {$1000.00} at TD bank, you have to see a teller.
I went to 2 different branches, but there were long lines exceeding an hour long. The lines were outside on the street, and as I am on XXXX medication that causes XXXX, I am not allowed to be exposed to the sun longer than 20 minutes at a time, let alone stand in it for an hour + to wait for a teller. I explained this to the security guard and asked if I could at least wait indoors until it was my turn, but they denied me. So, I decided to use XXXX and XXXX to transfer funds for rent and bills, as I have done so many times in the 1+ year I have had my TD bank account.
After making the transfer, I received a text to verify that I indeed authorized the charge and that it was not fraud. I approved the text and confirmed my transfer, and received confirmation that it went through. The next day, on XX/XX/XXXX, my TD bank account was closed down. I was unable to log in to the account.
I first called customer support, and after spending approximately 2 hours on the phone with long wait times due to CoVID, the first representative stated to me " You no longer have access to funds and I am not sure what will happen to them or if you can get it back. '' Now, I know TD online customer support records their phone calls as they state when you first call in, so they must have heard the panic in my voice and frustration to be told that my savings disappeared to thin air and the representative advised me she doesn't know what will happen to my funds. To inform me that I will not be able to get my funds and whether I can get them back at all is misinformation. It was extremely unprofessional and I should not have had to deal with that situation.
The next day, I went to the TD bank branch in XXXX and called ahead of time to make an appointment. A teller named XXXX helped me with my situation. I explained to him the situation and after investigation, he stated that my account had notes from corporate that there was suspicious activity related to XXXX XXXX. He stated that the charge was suspicious and that the person I sent it to was flagged for suspicion as well. Now, I explained that I indeed did make the charge and it was for rent and I even authorized it from the text that TD bank sent me. Thus, why would they assume there was any foul play or unauthorized transactions? He then stated there was no record of a verification text sent to me or the confirmation. Ultimately, he stated the account was closed and that after his discussion with corporate, I would have to wait 2 weeks for them to mail me a check with the funds/savings from my closed account. It is important to note that the back and forth conversations with XXXX and customer support claimed a total of 8 hours of my time as it was unorganized and not well managed.
2 weeks later, I still did not receive my check, so I called the teller, XXXX, back again to follow up. There was no answer. Since then, I've called 20 + times, and also called online customer support. No answer, no help. Each representative online told me that they can not help me, but did not give me answers to who can help me and who I can contact. The last phone representative looked into the account and stated once again, there was fraud charges from my last transaction.
Now, this is when I realized that my account was closed due to discrimination. As I researched OFAC 's attempted legislations to prevent discrimination from financial institutions and apps such as XXXX XXXX, XXXX, XXXX, I saw hundreds of cases used as support for Congresswoman Meng who attempted to pass legislation against discriminatory behavior that leads to accounts being closed. You see, XXXX, XXXX, and XXXX community members ' accounts are reported to be closed down and flagged without an explanation. TD Bank has a history of me using XXXX and XXXX XXXX for 1+ years with my time with them and never found my account suspicious when I was transferring to roommates named XXXX and XXXX . Yet, the first time I used it to pay rent to the landlord named XXXX, they flagged my account and closed it with the excuse of " suspicious transfer ''. Furthermore, they vehemently denied having proof of an automated text sent to me from TD bank that asked me to verify my transfer in the first place. It is rather hard to believe that a large company such as TD bank would not have a record of electronic data such as phone texts sent to verify transfers and prevent fraud charges. What was the need to deny such a text if their actions were not discriminatory?
In addition to discriminatory behavior that caused TD bank to close my account, they have now been holding my funds illegally and not releasing them. It has been almost one month now ( short of 2 days ), since they assured me I would receive my funds in a check for the account they closed within 2 weeks. It has been 4 weeks. My rent is due, my bills are due. I do not have money for food during a pandemic, while I was a XXXX XXXX XXXX who is unemployed. I am not at risk of homelessness due to not having access to any funds or savings to pay for rent or food due to TD Bank 's discriminatory behavior that led to my account being closed in the first place.
I have cumulatively reached out to TD Bank branches 20 times, I have called TD online customer support cumulatively for 8 hours, I have even reached out to TD Bank via XXXX so that perhaps a Leader from their company would contact me. No answer. It is morally corrupt for a bank to close and flag my account in the middle of a pandemic due to their discrimination when I sent rent to a landlord named XXXX. They closed my account due to a charge that they thought was fraud clearly because it was a XXXX name, but in the past when I transferred money to my XXXX roommates and that too, large amounts of funds, there was no flagging. Now, we are in XXXX and I am late for rent and bills once again. I have already been notified that I can not keep missing rent this way. I have literally had to get food from pantries and have been starving many nights because I don't have funds to access as TD Bank has not returned my savings to me. It should not take 1+ month, certainly not when my account was wrongfully closed in the first place.
At this point, this company needs to be reprimanded for their actions. Their representatives who provide wrong information should be reprimanded. I am fed up. I am a XXXX XXXX worker who has spent a near decade of my life to service the public and public XXXX. I have fallen upon difficult times, and have now been further exploited by TD Bank.
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| 09/15/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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Complaint regarding TD Bank dispute cases XXXX XXXX XXXX XXXX XXXXXXXX Total payment amount : {$170.00} USD Total chargeback amount : {$69.00} USD Transaction date : XX/XX/2023 This complaint pertains to booking XXXX XXXX XXXX XXXX XXXX- merchant ) Date of the first dispute : XXXX XX/XX/2023 Date of the second dispute : XXXX XX/XX/2023 This complaint is regarding a dispute case that was mishandled by the TD Bank representatives on two occasions . The first case was opened on XXXX XXXX, case XXXX XXXXXXXX. This case was a dispute for a merchant XXXX, for an amount of {$69.00} USD of the total charge amount of {$170.00}. The disputed amount was refused to be returned by the merchant despite canceling the XXXX reservation within 1.5 hours after the booking was made which was due to a cancellation of my transportation to XXXX XXXX, XXXX to a place where my XXXX stay was located. I immediately reached out to the XXXX host to resolve this matter, but I was advised they were unable to assist me and to contact the merchant directly XXXX.
The first time I opened a dispute case with TD Bank, I explained all the details regarding the case and what happened. I also advised I have the communication evidence with the merchant that includes the direct communication with the XXXX host as well as multiple calls made to XXXX support over a span of a few days. The call durations are included in the provided evidence. The customer support number for the XXXX merchant is XXXX XXXX XXXX XXXX. XXXX organization is almost a criminal enterprise that preys on people being unable to be present for a reserved booking, this is their business model, and it should be banned. Only in my case, the host had made NO preparations and NONE of their time was involved because the place was a residence/hotel with readily available rooms.
After filing this initial dispute, I did not receive any update from TD Bank, and I had to call in for an update while traveling. Upon return, in my mailbox, was a letter requesting evidence to be sent to TD Bank by XXXX. XXXX. The letter postdate was XXXX. Instead of providing me with a phone call or an update via email or a secure message within my online banking, I was sent a physical letter with a deadline of less than 5 days from the day it arrived. I found this unacceptable in the current times. This is created to ensure that individuals like me, and I am a XXXX XXXX who struggles financially, are taken advantage of by banking corporations. The banks have all the current technologies available to them, but they choose to communicate with me regarding very important matters via the post. This is a total lack of consideration for the consumer. If the bank allows online transactions and provides online banking all communication should be conducted in this manner. This is normally required by the merchants wanting to sell their products online the merchants must provide the customer with the ability to communicate via the means they made a purchase. I believe banks are NO exception to this rule. I am attaching proof of communication with TD Bank via secure messages from XXXX informing them of my unavailability in the physical location to where the post was being sent. Despite this, TD Bank took no action to attempt to contact me by any other means, so they closed the case.
I called in regarding this case upon my return on XXXX. I filed the second chargeback case and provided the chargeback dispute team with the evidence by sending a fax to the disputes team number XXXX XXXX XXXX XXXX. Upon contacting TD Bank on XXXX to inquire on the status of my dispute, I was advised it was closed I was provided with a generic explanation lacking any reasonable justification.
A full explanation of the situation with XXXX XXXX : The booking cancellation and refund were requested around 1.5h hours after the booking. After I tried to contact the host on XXXX app, I was completely locked out of my XXXX account because I have no access to the email or phone on the account, I did not use XXXX for over 2 years. I had no recourse to access my account again where I made the booking. The only option to contact XXXX XXXX was over the phone. I called number XXXX XXXX. Despite operating in different countries, XXXX does NOT provide local numbers. I had to pay to make the calls Internationally to the XXXX. Despite explaining I could NO longer access my XXXX account ; the phone support was not able to assist me and unlock my account. They also refused to provide a full refund. Also, the phone support would shift the responsibility of the refund onto the host while theyre the platform receiving the funds from the customers and have the banking relationships to accept payments, its not the hosts. XXXX is fully capable of requesting these refunds from the hosts who do not want to comply, but this would hurt their business, so they instead claim the host makes the final decision.
My calls on XXXX XX/XX/2023 to XXXX support lasted as follows : XXXX minutes ( unable to get through ), wait times : XXXX hour, XXXX minutes, XXXX minutes, XXXX minutes. The total time I spent contacting XXXX support over about five phone calls was close to four hours. After explaining the situation, that I could not arrive in XXXX XXXX, I was told a refund of only 70 % would be approved plus I would be liable for a non-refundable service fee, charged by XXXX. The offered refund from the payment of {$170.00} USD was only {$100.00} USD. XXXX took close to {$70.00} from me for this booking despite all my best efforts to cancel.
The host did not make any preparations for my bookings as its a service apartment building/hotel.
My case number with XXXX was : XXXX. I want to mention that I had to request this case number, The support did not volunteer to provide me with any record of my claim/cancellation despite knowing I can no longer access the XXXX account/app.
Upon following up on this case on Monday XXXX XX/XX/, I was told the case was already closed. I was on the phone again twice for 30-40 minutes at a time. I explained my situation to multiple agents at this point. Transferred to the escalations department, I heard the same questions and answers, yet again putting all responsibility for deciding on a refund, on the host. ( please see screenshots showing the time spent on the phone to XXXX support.
I proceeded to contact the XXXX XXXX XXXX, as soon as the merchant refused to assist me, on XX/XX/2023 to mediate on this matter but all of the responses from XXXX support were generic responses ( attached as evidence ).
I am attaching all evidence provided to TD Bank support to resolve this case. This includes correspondence with the XXXX Host, XXXX XXXX XXXX communication with TD Bank regarding my absence from XXXX as well as the record of calls made to XXXX support and their duration. This evidence is the evidence faxed to TD Bank 's disputes department on XXXX.
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| 10/13/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
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Web |
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I recently filed a complaint with TD Bank XXXX. TD representative, Ms. XXXX, responded onXX/XX/XXXX and stated that my {$150.00} cash bonus was denied because : " The primary owner of the new personal checking account is a new personal checking customer to TD Bank who must not have any existing or prior relationship with TD Bank. One checking bonus per Customer and can not be combined with any other offer. '' ___________________ I am reopening a new complaint because the information they provided in the response letter left out very important information regarding the offer which shows that they are misrepresenting the information While I previously had an account with TD Bank in XXXX, and did receive a bonus, that account was closed shortly thereafter. Therefore, I was not a TD checking account customer.
More importantly, the offer, on TD Bank website, clearly states that " Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months, open their account online via this web page and complete the required qualifying criteria. '' The key verbiage used here is " not having an existing or prior checking account within the preceding 12 months. '' Per your terms, I am considered a new checking account customer because I have not had a checking account within the last 12 months.
The response letter they wrote and cc 'd you on excluded this information and it is clearly listed on their site.
Additionally, I spoke to 3-4 different representatives, ( 2 ) of them stated that I was going to receive the bonus so there is clearly a disconnect somewhere.
The federal XXXX XXXX allows civil lawsuits for false advertising that misrepresents the nature, characteristics, qualities, or geographic origin of goods or services. 15 U.S.C. 1125 ( a ).
XXXX Remaining part of offer ...
and link : https : //www.td.com/us/en/personal-banking/checking-aff-incentive-55/? convenience? src=src : aff : cchq : aff01a & ranMID=40283 & ranEAID=OAeF4LPMj4E & ranSiteID=OAeF4LPMj4E-XRVi8ecjbzO6PyatYBvHow & siteID=OAeF4LPMj4E-XRVi8ecjbzO6PyatYBvHow {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening. {$150.00} bonus available to eligible new personal checking Customers when opening a TD Convenience CheckingSM account with cumulative direct deposit funds of {$500.00} or more into the new account within 60 days of account opening. Qualifying direct deposits are recurring electronic deposits of your paycheck, pension or government benefits ( such as Social Security ) from your Employer or the Government. Person-to-Person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 140 days from account opening. Account must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus. If the checking account is closed by the Customer or TD Bank within 6 months after account opening, TD Bank does reserve the right to deduct the bonus amount from that account at closing. TD Bank may issue you an IRS Form 1099-MISC, or other appropriate forms, reporting the value of the bonus. Offer may be withdrawn at any time and is subject to change. One bonus per account per Customer and can not be combined with any other offer. TD Bank employees and XXXX cross-border banking Customers are not eligible.
2Monthly maintenance fee can be waived with one of the following : {$5000.00} or more in direct deposits within a statement cycle or {$2500.00} minimum daily balance is maintained or {$25000.00} minimum daily combined balance of all deposit accounts, all outstanding home equity loan and home equity line of credit accounts, and/or mortgages in good standing ( excludes credit cards and personal loans ) that you choose to link.
3Non-TD ATMs : TD fees waived regardless of balance, and non-TD fees reimbursed when minimum daily balance is at least {$2500.00}. For non-TD ATM transactions, the institution that owns the terminal ( or the network ) may assess
a fee ( surcharge ) at the time of your transaction, including balance inquiries.
4TD Convenience CheckingSM monthly maintenance fee waived if the Primary account holder is age XXXX through XXXX years of age. Upon the primary account holder 's XXXX birthday, the account will be subject to the monthly maintenance fee unless the minimum daily balance is maintained.
5TD Bank Mobile Deposit is available to Customers with an active checking, savings or money market account and using a supported, internet-enabled XXXX or XXXX device with a camera. Other restrictions may apply. Please refer to the Mobile Deposit Addendum.
6A business day is every day, except Saturdays, Sundays and federal holidays.
XXXX original complaint : Opened checking account with TD Bank in XX/XX/XXXX. There was a cash bonus offer in the amount of XXXX. I needed to get a direct deposit of XXXX into the account. The first qualifying direct deposit in the amount of XXXX went in on XX/XX/XXXX within a few weeks from the account opening. The offer I listed below. I contacted td four separate times to inquire. Two separate reps stated that I should receive the bonus soon or sometime around 180 days from account opening. I received an email response on XX/XX/XXXX stating bonuses are paid 140 days from account opening ; however, it was a generic email. I called today and the rep, XXXX, stated that I was not eligible for the bonus. I explained the scenario and she said she didn't see any notes from the previous reps and that their bonus offers expired in XXXX. Perhaps one of their standard bonus offers expired but I submitted mine through an online affiliate site which routes you td 's site and provides all of the bonus information. XXXX XXXX XXXX XXXX XXXX TD " Affiliate '' Checking account offer from " TD Convenience CheckingSM New customers can earn {$150.00} Get direct deposits of {$500.00} or more within 60 days of opening your account to earn {$150.00} Everyday banking perks with low minimum daily balance requirement Monthly maintenance fee waived when you maintain a {$100.00} minimum daily balance. If you're ages 17 23, no monthly maintenance fee and no minimum daily balance requirement.4 View account guide '' https : //www.td.com/us/en/personal-banking/checking-aff-incentive-55/? src=src : aff : cchq : aff01a & ranMID=40283 & ranEAID=OAeF4LPMj4E & ranSiteID=OAeF4LPMj4E-JX7sghXp2AgTH4GOHeoXig & siteID=OAeF4LPMj4E-JX7sghXp2AgTH4GOHeoXig
|
| 10/05/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I have recently discovered that there have been deceptive and unfair business practices by TARGET CORPORATION regarding my consumer credit card account and I wanted to formally make a complaint regarding the matter.
I discovered that paying a debt with federal reserve notes to discharge or extinguish the debt is against public policy according to HJR 192 public law 73-10.
After doing some research and reading over the agreement issued by TARGET, I realized that I have been misled and full disclosure was not given in accordance with the TRUTH IN LENDING ACT. TARGET has been actively engaged in unfair business practices, misrepresentation of MATERIAL DISCLOSURES and EXTORTION, TARGET did not enter the transaction with clean hands.
The first thing I found after reading the TRUTH IN LENDING ACT was that finance charge is the SUM of all charges in a consumer credit transaction and no cash payments is to be induced from the consumer.
Account is defined as follows ( 2 ) the term account means a demand deposit, savings deposit, or other asset account ( other than an occasional or incidental credit balance in an open end credit plan as defined in section 1602 ( i ) [ 1 ] of this title ), as described in regulations of the Bureau, established primarily for personal, family, or household purposes, but such term does not include an account held by a financial institution pursuant to a bona fide trust agreement ; Each time a payment is requested in connection with a consumer credit transaction I realized a billing error occurred when the balance is more than {$1.00}. The amount financed and the unpaid balance have the same meaning.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The fact that late payment is being reported is another sign of billing error.
The billing error became a debt when TARGET breached their Fiduciary duty and took advantage of my uniformed use of credit, caused by an unconscionable agreement of a promise to pay.
The agreement that stripped me of my rights where I received no consideration and allowed TARGET to engage in racketeering activities to coerce repayment on an extension of credit.
The failure to provide the required disclosures by law, notices to opt out of sharing, reporting and the truth about extensions of credit must be given to consumers at consummation of the account. Of which I am not in receipt of any such documents. That leads me to believe that the extension of credit was made with the intent to extort monies and play off my ignorance. The negative information being reported to the non-affiliate third party corporation known as credit reporting agencies is proof of conspiracy and extortion by two or more. Once TARGET omitted known facts and stuck me with the unconscionable agreement, they have intentionally violated various Federal and State laws, and went against public policy.
I also discovered that Finacial institutions need consumers written consent to furnish or report any information to credit reporting agencies.
I HAVE A RIGHT TO PRIVACY NO EXCEPTION!
I also have a right to a fair and equitable credit reporting ; nonpublic personal information is supposed to be excluded from credit reports.
Nonpublic personal information includes transactions between the consumer and the financial institution making the report. Furthermore, my consent is needed to furnish any report and my consent was not given. Implied consent hidden in an agreement is not consent, it must be clearly expressed.
According to the EQUAL CREDIT OPPORTUNITY ACT any contract that forces a consumer to relinquish their rights is illegal and unenforceable. UNILATERAL CONTRACTS ARE UNENFORECABLE 15 usc 1693l No writing or other agreement between a consumer and any other person may contain any provision which constitutes a waiver of any right conferred or cause of action created by this subchapter.
12 cfr 1015.8 Waiver not permitted.
It is a violation of this rule for any person to obtain, or attempt to obtain, a waiver from any consumer of any protection provided by or any right of the consumer under this rule.
The agreement I signed to become a customer deceived me to agree to negative credit reporting, involve a debt collector if need be and sign over my dividends. TARGET intentionally set out to deceive me, it is their duty to inform and instruct me on what needed to be done ; I either had to pay every month on time or suffer the consequences. That is the exact violation and patterns of racketeering described in 18 usc 894 and 18 usc 1962 The agreement is causing a restraint of trade & commerce, congress said that the economic stabilization would be enhanced with the informed use of credit. TARGET intentionally set out to coerce me to repay extension of credit by jeopardizing my consumer credit reputation with other financial institutions. TARGET knew that they could induce me into repayment of a credit extension where they would benefit off my ignorance, undue influence leads to unjust enrichment!!
15 usc 1602j open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. So, if finance charge is computed on the unpaid balance why do I need to use federal reserve notes to make payments, when finance charge is the sum total of all charges 15 usc 1605a Finally, I learned under the XXXX XXXX XXXX domestic mail manual it is a violation to send non mailable matter without the required disclosures, if it is deposited in the mail, it should have the required disclosure clear and conspicuous.
600 Basic Standards for All Mailing Services 9.1 Solicitations in Guise of Bills, Invoices, or Statements of Account ( 39 USC 3001 ( D ) ; 39 USC 3005 ) 9.1.1 General Any otherwise mailable matter that reasonably could be considered a bill, invoice, or statement of account due, but is in fact a solicitation for an order, is nonmailable unless it conforms to 9.1.2 through 9.1.5. A nonconforming solicitation constitutes prima facie evidence of violation of 39 USC 3005. Compliance with this section does not avoid violation of Section 3005 if any part of the solicitation or any information with it misrepresents a material fact to the addressee ( e.g., misleading the addressee about the identity of the sender of the solicitation or about the nature or extent of the goods or services offered may be a violation of Section 3005 ).
|
| 11/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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In early XX/XX/2022 I walked into my local TD bank branch as I do several days per week to make commercial deposits for my business. After speaking with some of the managers there ( whom I have come to know very well ), I was referred to TDs loan department after they learned I was perusing a construction loan.
A loan officer, XXXX XXXX XXXX XXXX, reached out and we discussed my intensions. My goal was to finance the construction of a new single-family home and borrow a bit more than the construction budget, to get some cash back at closing. I told XXXX we purchased land the previous year for about {$740000.00} and owned it free and clear. We had our home completely designed and settled on a builder and contract of {$920000.00}. I explained that based on research and other consultation that we expected the property to appraise between $ XXXX $ XXXX. Based on that, I explained my goal was to have a loan amount of around $ XXXX - $ XXXX to cover the construction cost and get a few XXXX dollars back at closing but maintaining at least 80 % XXXX. XXXX assured me that TDs construction product could do this and he explained how the process worked with TD and answered other questions.
At this time, I was entertaining a few different banks that were able to accomplish my goals and I was learning their process, fees, and rates. Although TD did not have the cheapest costs, I was told they could accomplish my goals and I felt comfortable with them considering I have other TD products for years including 4 business checking accounts for two companies, a business line of credit, 2 personal checking accounts, and a personal savings account all with TD.
A few days after speaking with XXXX, he provided a breakdown of what we discussed via email and even provided a TD rate sheet showing their costs, the loan amounts we discussed, and the desired cash back. This correspondence and copy of the fee sheet can be produced upon request. A few days later, in late XXXX we officially started the process and applied, and disclosures were sent to me with a loan amount of $ XXXX and cash coming back to me, the borrower. During the first week of XXXX, I received a call from XXXX telling me that TD may not be able to give cash back at closing like he originally said but he was working with is manager and underwriters to double check what he was told and see if they could still do it. At the time, I was not too concerned because I could still go to one of the other banks I was in talks with to accomplish my goal. A few days later I got an email from XXXX stating that they found a work around and were able to increase the loan about back to $ XXXX and I received a disclosure to match. XXXX called me right after to explain that I just need to create and record a lien in my name in the amount I wanted to get back. This way it would not technically be considered cash back to the borrow but a payoff to myself and I could still accomplish my goals. Naturally I was skeptical, but he assured me his manager and underwriting both approved this and he also stated this in an email which made be believe this info was true and accurate and it continued to reflect in the disclosures. XXXX also told me that they would provide a credit for me since I would have to come out of pocket to cover the costs to record the lien which was not anticipated.
My appraisal was not ordered until XXXX for some reason, but it did come back at a value for $ XXXX. It was less than expected so XXXX reconfirmed the max loan amount I could have so I knew how much of a lien he would have me record. He advised that I should record a lien in the amount of {$220000.00} which would allow me to pay myself back the maximum amount. XXXX prepared a mortgage deed and loan document with myself as the lender and borrower to be recorded with the county. He provided these documents to me and instructed me to have them notarized and record these items and then provide a stamped and recorded copy back to him for underwriting. He even verified the times and costs for me to go do this in person with the XXXX XXXX Recorder of Deeds. I provided the last of the documents requested of me and I was told my loan was approved and the disclosures matched what was discussed and showed the payoff to me for {$220000.00}. Weeks later, closing was eventually scheduled for the end of XXXX.
XXXX hours before closing XXXX called me saying there was a problem and TD was not able to payoff the loan they had me record and they could no longer allow me to receive any funds over the construction budget. Naturally I was angry and wanted to know what happened and I requested to speak with upper management. XXXX explained that although my loan was approved it needed the final clear to close. Another underwriter did not approve the lien to be paid off during the clear to close process despite all the confirmations previously received. I spoke with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Both managers said they spoke to other internal management and I was told no one was willing to XXXX the loan as it was disclosed to me and previously approved. They both told me that the company would be violating a fair lending law if they did so but would not cite such law. This explanation was also given to me via voicemail which can be produced.
For several months TD bank disclosed both verbally, written, and in a loan commitment on an approved loan that I would be able to access {$220000.00} in the form of a cash to borrower or paying off a lien. I have made other financial decisions during this time such as budgeting other items for our new build, installing a pool, and even investment decisions to keep other funds vested in anticipation of accessing this money. I am in a completely different financial position than what I planned on for XXXX months solely due to TD Banks negligence breach of fiduciary duty. I was unable to go to another bank that could accomplish my goals because by the time this issue came up, the market had changed so dramatically that rates would be almost double and it would put me in an even worse financial position to not close the loan at a reduced amount with TD.
While I could complain about the inability to get someone on the phone every time I called or the way I was spoken down to by management as if I was the one causing problems, my main concern is to try and find a resolution that allows me to meet my original goal of accessing the {$220000.00} that was approved. I understand mistakes happen however I believe there is duty to do right by the customer and fix a mistake especially when such negligence is demonstrated in a situation like this one.
|
| 09/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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To whom it may concern, This is a Chronology of the incident : Im writing in hopes you can help resolve an issue I have had with XXXX and " XXXX XXXX '' ( TD Bank ) and a fridge I refused to accept delivery of.
XX/XX/XXXX Ordered a fridge online at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 Door French Door Refrigerator XXXX XXXX Delivery date : XX/XX/XXXX On th same day, I cancelled the above order as it wasnt clear what payment method the site had opted us into. Called to confirm we could apply for the XXXX XXXX 0 % option.
Filled out the XXXX XXXX application Same day Re-ordered the same fridge after going step by step through the purchase funnel, taking screenshots of each page for records.
XXXX XXXX Delivery date promised : XX/XX/XXXX To use their 0 % interest XXXX XXXX XXXX XXXX plan We are still unclear as to how, when, and where we will be making payments to XXXX XXXX, and call to ask XXXX they tell me that I will not be charged until I physically take delivery of the fridge, after which I will have about a month to make my first payment ( so that would be around XX/XX/XXXX by my calculations ) At some point ( don't have an exact date, but happens between the date we made the purchase online and the expected delivery date ) we get ( what turns out to be a bill for our first finance payment from TD bank ), but we ignore it because of what XXXX told us above.
XX/XX/XXXX I call XXXX XXXX, the company responsible for physical delivery to my home address, XXXX, to confirm delivery the next day, and their system confirms it.
XX/XX/XXXX in the morning, I get a text from XXXX saying that I need to reschedule my delivery date Later that morning they text to tell me my delivery date is now XX/XX/XXXX We decide to cancel the order and get a fridge elsewhere.
We contact XXXX to ask how to facilitate the cancellation, and they tell us that we have to wait for them to deliver it, and then we refuse delivery. Thats the way their system works is the explanation I am given every time I ask about this awkward process.
( In the interim, we buy and have delivered, a different fridge from XXXX XXXX ) XX/XX/XXXX XXXX arrives at my house the morning of XXXX, and as I was instructed, I tell them I refuse to accept delivery.
I contact XXXX to confirm that I dont have anything else to do except wait for the cancellation. ( XXXX is responsible for returning the fridge ). When they receive the fridge, XXXX can start issuing all the necessary paperwork to cancel the order.
I go through the XXXX related documents and see that the TD Bank XXXX payment is due XX/XX/XXXX, so I call them to tell them what the situation is, the TD Bank rep recommends we make the first payment, we can dispute that later for a refund.
So we make that payment then enter a dispute with them about all of the charges ( for a fridge we dont have ) they also say that they start billing when I make the purchase, not when I take possession of the fridge, which is counter to what XXXX told me.
XX/XX/XXXX I get an escalation number from XXXX, I tell them TD Bank ( XXXX XXXX ) has already charged us for a fridge we dont have, and that now I am losing money because of their errors, and they issue escalation # XXXX to get this looked into, they tell me to call back in 72 hours XX/XX/XXXX I call to check status, they check to make sure that XPO is scheduled to return the fridge. Tell me to wait 3-5 business days.
XX/XX/XXXX I call XXXX back, they are still looking into it, tell me to wait until XXXX XX/XX/XXXX I call XXXX back, they say I should get a text back from them within 72 hours ( I did not ) A new escalation # XXXX XXXX is issued Tell me to wait another 72 hours Some time in early XXXX, XXXX Early XX/XX/XXXX we get a letter ( dated XX/XX/XXXX ) from TD Bank saying they resolved my dispute- XXXX sent them confirmation that I *did* receive delivery of my fridge, ( there is no date, no signature, no proof I did anything of the sort in the screen shot they provide as proof. ( THERE IS NO PROOF, BECAUSE I DIDN'T GET THE FRIDGE ) and that they will start demanding I make payments ( again, on a fridge I did not receive ) I am now forced to continue to make payments on a fridge I do not possess if I dont want this ruining my credit rating.
XXXX I call TD Bank and essentially told them everything that happened above, but at this time said another appeal would be useless if XXXX keeps sending them the patently wrong information.
XXXX not only has to tell TD Bank that they should refund all of my money, including any and all fees I might have been assessed during this time.
They should also tell TD Bank that I did not make a false claim of non delivery, and that they need to retract any such statement they may have made to the credit bureaus in this matter.
I am sure I am not the only person who got the runaround like this from XXXX, someone should audit their systems. I personally believe they were not being malicious, their systems and processes are just so bad and incompetent that one side of the business does not know what the other side is doing.
XX/XX/XXXX I checked my XXXX account today, and it notes that they " did not receive their fridge back '' ( see above, this is not my problem, I never accepted delivery of this fridge ) This complaint is about XXXX XXXX ( TD Bank ) as it is under the purview of the CFPB, but it really is about XXXX in general, TD Bank is just a third party in my mind, and they are getting INCORRECT information that is hurting my wallet and if I let it, my credit scores too. I am hoping that the CFPB can do something about this matter, but if there is another agency/department that I can make a complaint to, I would appreciate that information.
Please note that I will be attaching screenshots and documents to this complaint. Many of them say " I received the fridge '' or " we didn't get the fridge back '' but those are XXXX 's problems, NOT MINE -- I refused to take delivery of the fridge, per THEIR INSTRUCTIONS TO ME, and I ALLOWED THEIR expediting company to return the fridge back to their Warehouse PER THEIR INSTRUCTIONS, as I NEVER TOOK DELIVERY OF THE FRIDGE, so could not have been responsible for returning it on my own dime. I have gone above and beyond all reasonable means to accommodate them, because obviously their internal systems and processes are awful, but now we are financially being penalized for their incompetence, and I need this resolved to my satisfaction.
I am also enclosing a receipt and pictures of the new XXXX XXXX we bought and installed between the time we ordered the XXXX XXXX and when the XXXX fridge was supposed to finally be delivered.
|
| 06/01/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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|
Web |
Older American |
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XXXX XXXX XXXX XXXX COMPLAINT I provided a verbal claim to TD Bank on or about XX/XX/XXXX, XX/XX/XXXX, which was denied. On or about XX/XX/XXXX, the following claims with exhibits were submitted to a local TD Bank Manager, who improperly emailed them to the wrong department. I asked repeatedly for followup and did not receive any. I found out on XX/XX/XXXX, that because these documents were emailed to the wrong department it was denied a second time for lack of documentation. As it was never received by the correct department I submitted it again on XX/XX/XXXX. I was verbally advised today XX/XX/XXXX, that it was denied again, no reason given, and have not yet received written notice or a reason. I called the Manager again today, was promised a call back, and received none.
Here 's what the Bank has had since XX/XX/XXXX. Here 's what happened.
Disputes and Claims TOTAL PAGES : 54 fax XXXX ( it was supposed to be faxed but he improperly emailed XX/XX/XXXX claim ) Checking Account XXXX Re : Cash Claim {$19000.00} XXXX Please forward a copy to XX/XX/XXXX for the {$750.00} fraudulent check and provide the claim number.
Claims 1. {$19000.00} cash taken from my account : 41 ATM withdrawals in 64 days 2. {$750.00} fraudulent check written on my account 3. balance inquiry fees incurred when the thief checked my balance before taking the funds 4. as there has been no relief for over 5 months I am seeking interest charges FOR EXPEDITED REVIEW The thief has been charged, incarcerated and is proceeding to trial.
EXHIBIT NUMBER 1. The police Investigative Interview Record summarizes the facts in this case, including that I am legally XXXX, XXXX, hospitalized at the time some funds were taken, and completely victimized.
2. On or about XX/XX/XXXX, when I discovered the theft, I compiled a list of {$17000.00} taken from my account and filed a claim over the phone with XXXX in TD Bank Customer Service, which was denied identified by debit card termination date XX/XX/XXXX [ XXXX ] and XX/XX/XXXX [ XXXX ]. I found out about the denials verbally on XX/XX/XXXX, when I reported the fraudulent check described below at Exhibit 8. That is why, as described below, I refiled my claim on XX/XX/XXXX.
3. On XX/XX/XXXX, I filed a police report. On XX/XX/XXXX, the police report was submitted by me in person at the local branch as a new claim with the same list submitted on XX/XX/XXXX.
4. Despite a search warrant with visits to the local TD Bank by Detective XXXX, and numerous calls and visits from me, I was advised today XX/XX/XXXX when I called the Fraud unit that no action was taken by TD Bank since XX/XX/XXXX. Therefore, in a line by line review of my statements with XXXX in the Fraud Unit, it was established that 41 ATM withdrawals were taken in 64 days. A new claim was filed for {$19000.00} XXXX. We noted frequent high dollar transactions at different ATM locations on the same day, often exceeding the {$700.00} limit. I expect TD Bank to reach out as needed to include nonTD Bank withdrawals. CAVEAT : some withdrawals in the claim may be legitimate if taken by me, I just don't know which ones, the surveillance tapes have to be checked.
5. I was taken by ambulance to the hospital on XX/XX/XXXX, on XXXX XXXX XXXX. As I discharged myself Against Medical Advice on XX/XX/XXXX because I needed to complete my daughter 's XXXX Profile for Financial Aid ( excerpt attached ), the hospital refused to provide medical records. Therefore, I attach the ambulance bill and in part my health insurance bill.
6. On XX/XX/XXXX, while I was in the hospital, the thief took {$350.00} from my TD Bank checking account ( included in claim XXXX ) and spent several hundred dollars by unauthorized use of my XXXX card. XXXX reversed these charges.
7. On XX/XX/XXXX the thief took check # XXXX and wrote himself an amount of {$750.00}. Please compare to valid check # XXXX that I had previously written to him for {$750.00}, they are completely different. Apparently my signature on file was not consulted.
8. On XX/XX/XXXX, I reported this check fraud to XXXX in the Fraud Unit and filed a police report. This is when I found out my original claim had been denied, as I had not yet received written notice.
9. On XX/XX/XXXX, I filed a second claim in person with TD Bank local branch, including the check copies and police reports and Affidavit of Fraud. I closed my checking account and opened a new one. On XX/XX/XXXX I was advised to prepare this information for Dispute and Claims and ask that it be forwarded to XXXX XXXX to obtain a claim number for the check fraud. I request that the claim number be sent to me.
10. On XX/XX/XXXX XXXX XXXX wrote the attached summary including the TD Bank account and XXXX card issues.
11. A criminal complaint was filed on XX/XX/XXXX, the defendant arrested on XX/XX/XXXX, and at the preliminary hearing bound over for trial on the following : 1. Felony 3 Identity theft 2. Felony 3 Identity theft 3. Misdemeanor 1 Access device issued to another who did not authoirize use 4. Misdemeanor 1 Access device issued to another who did not authoirize use 5. Misdemeanor 1 Theft by Unlawful Taking 6. Misdemeanor 1 Receiving Stolen Property In addition to bail in this matter, the thief is being held on a detainer for a theft conviction in this County and has a prior conviction for manslaughter in the State of New York. I was not aware of this because he used a false name with me. Upon conviction in this matter he will be resentenced for his violation of probation on the theft.
I am extremely disappointed. Not only my accounts, but those of my children and their student friends were all opened at TD Bank under my personal escort to start their banking experience. I am shocked there has been no follow up despite all my efforts and believe I have been damaged as a result. I ask that I be given the courtesy of an expedited review.
Respectfully, XXXX XXXX EXHIBIT LIST 1. Police Investigative Interview Record with Addendum 2. XX/XX/XXXX claim and denials for the debit card terminated XX/XX/XXXX [ XXXX ] and the debit card terminated XX/XX/XXXX [ XXXX ] 3. XX/XX/XXXX police report re cash taken 4. XX/XX/XXXX new claim for {$19000.00} XXXX 5. XX/XX/XXXX Proof of Hospitalization and reason for discharge 6. XX/XX/XXXX unauthorized use of XXXX card and reversal of charges for fraud 7. XX/XX/XXXX fraudulent check # XXXX {$750.00} to compare to valid check # XXXX same amount 8. XX/XX/XXXX police report re fraudulent check 9. XX/XX/XXXX Affidavit of Fraud 10. XX/XX/XXXX Detective XXXXXXXX XXXX summary including TD Bank account and XXXX card 11. XX/XX/XXXX Criminal Docket
|
| 10/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
On Monday, XX/XX/2023 I called Nordstrom Card Services to close my consumer Nordstrom Visa Signature credit card ending in XXXX. On this call I was told that the account had been closed as I had requested, when in fact the account had not been closed. I have made several attempts since then to close my Nordstrom Visa Signature credit card account over the phone and Nordstroms Card Services continues to make excuses, transfer me to different departments and even tell me again that the card has been closed, when in fact it remains open. Nordstrom Card Services has deliberately refused my wishes and intentions to close my Nordstrom Visa Signature credit card ending in XXXX- on multiple occasions. I have recorded calls of the conversations and have been specific about my intention to have my credit card closed. More detail about this issue follows : In early XX/XX/2023, my Nordstrom Visa Signature card became unusable for purchases. It was frozen/locked for purchases, although I could still make payments. This was odd and not something that I anticipated. I called Nordstrom Card Services several times from XX/XX/XXXX to XX/XX/XXXX asking for reasons why my account was frozen/locked. I was told that my account was " under review '' and was given no explanation of why this was so or when the " review '' will conclude.
I had done nothing wrong with this account, have used the card in the same way for the multiple years that it has been open, have been a loyal Nordstrom customer, and have made all payments on time and have had an otherwise current and good account standing.
I patiently waited weeks for the " review '' of my account to conclude and on Monday, XX/XX/XXXX I called Nordstrom Card Services to close my consumer Nordstrom Visa Signature credit card ending in XXXX.
I had made debit card payments in Nordstrom stores over the weekend ( XXXX XXXX ) to pay off my balance. In fact, to make sure there was no remaining balance, I overpaid on the account and had a credit/negative balance of approximately - {$400.00}.
On the call to Nordstrom Card Services on Monday, XX/XX/XXXX I asked the services agent on a recorded line if it was possible for me to close the account and was specifically told " yes ''. I then proceeded with my request to close the account. Before concluding the call, I asked if the account was closed and the Nordstrom Card Services agent told me/verified that the account was closed.
On XX/XX/XXXX, I called Nordstrom Card Services to double check that my account was closed and to my shock, learned the the account was not closed on XX/XX/XXXX as I had requested. I asked that the account be immediately closed. That closure again did not take place.
On XX/XX/XXXX, I also called Nordstrom 's Experience Line ( XXXX ) and left a message explaining the situation, inquiring as to why Nordstrom Card Services continues to defy my wishes and not close my credit card account, and also asking that my credit card account be immediately closed. The request for closure did not take place. This " customer experience '' number appears to only have voicemail options available for inquiries.
Early on XX/XX/XXXX, I was on vacation outside of the XXXX until XX/XX/XXXX. However on XX/XX/XXXX I received a voicemail from ( XXXX ) at Nordstrom Card Services saying the request to close the account effective " today '' or on XX/XX/XXXX. This closure again DID NOT take place.
On XX/XX/XXXX I again called Nordstrom Card Services and inquired about the situation and repeated my request to have my credit card account ending in XXXX to be immediately closed. On this call, I spoke with XXXX ( a card services representative in TX ) and was directly told - again - that my account had been closed. Later on the call I asked XXXX specifically when my account was closed, and she responded that the account had not been closed but was set to be closed on or by XX/XX/XXXX. I was astonished and couldn't believe that 1 ) my account had not been closed 2 ) I was again told that my credit card account had been closed when in fact it had NOT.
This is a similar pattern that Nordstrom Card Services is employing. I call in to Nordstrom Card Services and ask that my credit card account be immediately closed, they tell me it has been, but when I ask for more detailed information, then my account turns out to not have been closed. I asked for names of managers who have been connected with the decision to not grant my wishes and close my account and XXXX mentioned the name of a manager named XXXX or XXXX- a name that I've heard before - and someone who appears to be directly connected with the intentional decision to not close my credit card account against my explicit wishes to do so.
I am asking that Nordstrom Card Services immediately close the account ( as requested by me, the consumer cardholder, and NOT a closure by the XXXX XXXX XXXX XXXX
What is also troubling here is that there appears to be an explicit attempt by managers like Evonne/Yvonne at Nordstrom Card Services to keep my account open against my wishes. This is absolutely deliberate. I would like a detailed explanation of why this has been done and who are the people responsible for doing so. I had hoped to close my account in peace and avoid a CFPB complaint and also legal recourse, but Nordstrom Card Services has continuously, consistently and blatantly denied my request for account closure.
This has been extremely stressful and time consuming. I have made several recorded calls to Nordstrom Card services asking for additional detail about why my explicit wishes to close the account that have not been followed. I have had take time away from work to communicate with Nordstrom Card Services, record calls, log written notes, and detail what has happened to my account. I have done nothing wrong, have been a good and loyal customer to Nordstroms, have always made payments to my Nordstroms credit card account on time, and have abided by payment terms and conditions that Nordstrom Card Services has set forth and have a current account in good standing. Yet Nordstrom Card Services has intentionally refused to abide by my repeated requests to close my credit card request.
I have recorded my calls and interactions with Nordstrom Card Services and assume Nordstrom Card Services has recorded the calls too. There should be no discrepancy about my intent to close my credit card account or about the deliberate refusal of Nordstrom Card Services to abide by my wishes and close the account.
|
| 11/07/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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|
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Web |
|
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FAXED XX/XX/XXXXTO TD BANK MAINE at XXXX 1. TD Banks Mortgage Department has egregiously and systematically repeatedly refused to reconcile and detail how they have arrived at a {$4500.00} charge on HELO account XXXX.
2. TD Banks Mortgage Department figures do not add up. Factually, they are minus {$2100.00} in favor of Plaintiffs ( see 7 ).
3. TD Banks Mortgage Department has consistently and with an intentional systemic policy referred this complaint to others who can not answer, will not detail nor can they explain the delta difference of {$2100.00} 4. TD Banks Mortgage Department has designed a system to encourage mathematical mistakes in their favor by enabling a system-wide, silo-communications only. This method forces the customers, who notice an error in computation of charges, to wade through specialized pillars of employees who do not communicate with each other and have only one part of the problem they are allowed to address. This creates a time lag and TD fees which begin to mount in TDs favor.
5. TD Banks Mortgage Department threat of retaliation of late charges/reporting discrepancy to the credit agencies such as XXXX ; thus, forcing the Plaintiffs to pay the incorrectly amount of {$4500.00} ( see Exhibit 2 ) 6. TD Banks Mortgage Department has used expired authority to inappropriately to take funds then when brought to their attention reversed their action ( see 6e and 7 below ). TDs previous behavior in the past is similar to XXXX XXXX as it relates to false credit card accounts. This is mentioned only to support the argument of inseparable and inappropriate banking-conduct to exhaust their customers into submission at great costs to their clientele resulting of increased profits to TD.
TD BANKS MORTGAGE DEPARTMENT INTENTIONAL MISDEEDS IN CALCUATIONS a ) TD intimidated Plaintiffs without justification and authority into paying {$4500.00}. ( see Ex 2 ) b ) TD refused repeated attempts to exactly detail the amount ( s ) charged.
c ) TD without authority nor explanation took {$2600.00} of the full payoff of {$420000.00}. ( see Ex 1 ) d ) TD Took* on 8.8.17 without authority nor explanation and then, after caught, returned {$4800.00} e ) TD has intentionally intimidated Plaintiffs into incorrectly overpaying {$2100.00} ( see 7a below ) 7. The correct formula for computation of TD former HELO account XXXX. XXXX is : a ) $ XXXX + {$75.00} + {$10.00} {$2600.00} ( d ) {$4500.00} ( see Ex XXXX ) = {$2100.00} owed *************** To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX From : XXXX Subject : Acct # XXXX This is to inform you of receipt of your letter dated XXXX XXXX, XXXX requesting remittance of the above referenced account ending in XXXX.
Please be advised on XXXX XXXX, XXXX ( we submitted final and complete payment ) and we sent/faxed a notice to TD Mortgage of intent to file a recovery law suit of the TD incorrectly computed amount paid on check # XXXX, of account # XXXX for the amount of {$4500.00}.
Interestingly enough the amounts computed within your letter, referenced above, have zero similarity to the amount paid and it appears more than you stated. Thus, clearly establishing that TD not only does not communicate within its own ranks, but intentionally confuses the customers as to the actual amounts owed and the authority to charge.
We will be attempting to collect an overcharged payment, paid on XXXX, owed us and any and all information we obtain from you will be used for that purposes.
Another Computation using TDs own figure of $ XXXX from ( XXXX to XXXX XXXX days ) : XXXX x XXXX days = XXXX = total owed TD.
TOTAL Paid TD : {$4500.00} + {$3500.00} @ = {$8100.00} {$3800.00} = TD owes {$4200.00} to XXXX The bottom line is simple : Tell us how you computed and the authority to compute the figures or tell it to the judge. We believe as the figures show a mistake has been made and it appears the mistake favors XXXXD. All we want is a fair and accurate accounting and to date TD will not provide same and factually, the above letter, clearly shows TD has different figures all day long. We have complied by overpaying, perhaps retroactively TD will comply with our requests.
Best regards, ************* To : XXXX XXXX XXXX Date : XXXX XXXX, XXXX From : XXXX Subject : Probable incorrect billing in account ending XXXX Attached : TD Payoff notification of {$420000.00}, ending XXXX ( 2 of 2 ) We request TD explain the discrepancy ( in writing ) of their attached payoff letter v the demand for another {$4400.00}.
The issues are simple : XXXX XXXX a mistake was made on the payoff amount we paid, and we owe more or 2 ) the payoff amount is correct and we own nothing. We believe the attached TD payoff in full is and was correct.
However, there was an inordinate amount of legal and illegal activity involved in our TD HELO expiring without proper notification and the HELO authority-to-take had expired.
If TD is correct we would like to rid ourselves of this unpleasant TD created mess, and pay what is legally owed at once. To accomplish this, we need an explanation and justification ; which to date has been ignored by TD.
Our accountant says we own zero as we complied with the TD amount owed in the attached payoff. We need a TD forensic review and report to us expeditiously in writing so we can pay or not and move forward.
Best regards ***************** To : XXXX XXXX XXXX Date : XXXX XXXX, XXXX From : XXXX Subject : Acct # XXXX After repeated request for an understanding of the determination of how the new dollars were determined, why and the authority for TD to bill an additional XXXX after XXXX XXXX
XXXX XXXX sent a full and complete pay out amount, good until XXXX of {$420000.00} as faxed to the above number on the XXXX, XXXX.
I will file a complaint against TD to be served at XXXX XXXX XXXX in XXXX ME in 15 days in XXXX XXXX at XXXX XXXX. XXXX, XXXX MA should I not receive in writing a forensic review of what if any we owe.
Sadly, by the time the case will be docketed surely TD will address this issues to both of our satisfaction.
Its such a small claims matter, but important nonetheless. as no one from TD has been able to explain with specific written detailed and accepted accounting procedures. There is always unanswered questions and nobody feels good send me the answers so we can move on.
Please call any time or you can send you response to by email referenced above.
Ask yourselves why are you making me do this. It should be simple as its little money.
|
| 04/09/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I am one of TD Bank XXXX Credit card holder. TD Bank sent me 0 % Promotional APR through my billing cycle that's ends XX/XX/XXXX There is three blank check attached to the offer letter and letter says to do three three step to enjoy their 0 % Apr for 12 month. ( Until XX/XX/XXXX) .Promotional rate offer on Balance transfer Checks like a regular check or call XXXX to use debt consolidation, large purchase, unexpected expenses etc. Its also further offered that {$0.00} balance transfer fee until XX/XX/XXXX for the promotional APR to apply. On the letter envelope and also in bold letter TD Bank saying as follows '' NO BALANCE TRANSFER FEE UNTILXX/XX/XXXX, FEE FOR FUTURE BALANCE TRANSFERS ARE MINIMUM XXXX or 4 % OF THE AMOUNT OF EACH TRANSACTION, WHICHEVER IS GREATER.
I called TD Bank at XXXX onXX/XX/XXXX at XXXX XXXX and waited until XXXX XXXX then spoke TD Bank representative pickup the phone and spoke with me .She said that offer is to charged Balance transfer fee of 4 % .In her computer system, the code saying that charged $ % Balance transfer fee. I was surprised because offered clearly say that {$0.00} Balance transfer fee if use until XX/XX/XXXX.. When I requeted to spoke with Supervisor, I have to wait long time over 30 minutes then XXXX XXXX, ID and Extension # XXXX spoke with me. She said that in their system the offered is for 0 % APR for 12 month but in their ends the bank code is to charged 4 % Balance transfer fee. When I read the offer letter to her on phone she still say, the bank offered not for {$0.00} balance transfer until XX/XX/XXXX. She said, she have no access to read the TD Bank offered letter in her ends. he told me to fax that letter to her attention at Fax # XXXX and also other fax # XXXX. which is her personal fax number. She said, she will call back one 's she received the fax which she never did until now. She also told me that within three to five business day, bank will sent letter to re confirmed this offer and I can call to find out if in their system if the code was updates not to charged {$0.00} Balance transfer fee. That phone call take my time from XXXX XXXX to XXXX XXXX I stayed on this ssue with TD Bank over One hour and 38 minutes.
I sent the fax to both above number same day on XX/XX/XXXX at XXXX XXXX and XXXX XXXX.
I did called later on the same day to find out if She received my fax. but not able to reach XXXX, Supervisor that night.
I called on XX/XX/XXXX at XXXX XXXX and waited 20 minutes then XXXX XXXX said, wait until other day.
I called on XX/XX/XXXX at XXXX XXXX and waited over 30 minutes and then representative pickup the phone. She said, they do not have any offered on tis account at all. I was surprised about this new news from TD bank representative.When I asked to speak with her Supervisor XXXX, ID # XXXX, she said that she spoke with her when she put me in hold. When I asked to speak with her, she said, she transferring to her. But surprised that other representative Supervisor XXXX XXXX, ID and Extension # XXXX spoke with me and with my husband. She said she is not XXXX XXXX. and she said, she sending a internal email to corporate office to confirmed the offer. I do not know if she is XXXX or XXXX. Now she said its take 5 to 7 days to get message back from their corporate office. She said their is no TD Bank CEO or President HOT line to filed any complaint against TD Bank offered or againsit bank representative at all. She said, She will take my number and some one called me which never happened until now.
I look in XXXX search and found the TD Bank HQ number and called XXXX and spoke with XXXX XXXX on XX/XX/XXXX from XXXX XXXX TO XXXX XXXX. She said she is at TD Bank HQ located at XXXX XXXX, NJ but she can not help on TD Bank credit card dept and she transferred to XXXX XXXX, at XXXX XXXX HQ, NJ. XXXX XXXX said, she have no access to TD Bank Credit card even she is at TD Bank HQ and she transferred to credit card department which is located in Georgia state, USA. She said she will transferred to Supervisor their. But she did nit transfer to Supervisor, she transferred to regular representative at Credit card dept.. at Georgia . I spoke with XXXX at Georgia office where TD Bank Credit card department. First she said, in her ends there is no {$0.00} Balance transfer fee in their code. When I and my husband mentioned about fax and calling their HQ, she put us in hold then she back and she said she will do {$0.00} transfer fee, I requested to have a written re confirmation that the offered good for 12 month 0 % APR with {$0.00} balance transfer fee until XX/XX/XXXX. She refused to do that. So, When I try to use the offered to pay our car loan, she said offered is for only pay other credit card not car loan. When I asked to read the offered what TD Bank sent to me, she said she do not have access to read the offered. I read all letter on phone and then she said hold the line. She back and say OK she can do that. When I give car loan took from my credit union name and address and account number, she said account number should 15 or 16 digit number. I called credit union and they said account number is not 15 or 16 digit. Its 4 numerical number with ends at A word of Alphabet.. Now, XXXX XXXX said they can not do that because account number should be only numerical number and must be six digit. My credit union tod her that use XXXX before account number for get six digit and now XXXX stuck with A word which is part of loan account number at the credit union. Then she said, she can put my name and my husband name on the check, I told her that offered is in my name from TD Bank and car loan can be pay either borrowers because individual person responsible to pay car loan.. Look like this bank, try to play with their terms and condition and you end up paying their higher interest rate and going to say that you not qualify for 0 % APR on their terms and pay 24.24 % interest rates even they offered for 0 % APR for 12 month with {$0.00} Balance transfer fee untilXX/XX/XXXX. This bank offered should be examined what they offered and what they real doing. I end up going to asked XXXX XXXX to please send me re confirmation letter on my fax to sure what is offered by bank. And she said, bank do not send re confirmation by mail even I sent fax to them for clarification. This bank credit card division should be investigated by Federal government agency to see their trade practice with the consumer. If they violated, should shut down the bank credit card department..
|
| 10/02/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
After incurring {$490.00} in overdraft fees in the 1st 4 months of 2018, in XXXX 2018, as advised by a TD Bank representative, I unenrolled from TD Bank 's overdraft protection program, the Debit Card Advance Program, to avoid going into overdraft and incurring the subsequent fees. It was my understanding that being unenrolled, transactions would instead be declined if the funds werent available. On XX/XX/XXXX2018, I saw that my TD checking account was overdrawn {$42.00} due to a credit card payment of {$100.00}. I was surprised to see I was overdrawn because I had not scheduled the {$100.00} payment and had unenrolled from the Debit Card Advance Program. On XX/XX/XXXX, I transferred {$43.00} from a friend 's checking account and {$67.00} from a credit card into my account. On XX/XX/XXXX, when I checked, my account was not overdrawn and no fees were assessed. On XX/XX/XXXX, the {$43.00} had been credited to my account, but not the {$67.00}. On Monday, XX/XX/XXXX, per TDs online system, the {$67.00} had been credited to my account and 2 debits appeared in the amounts of {$6.00} and {$18.00}. The {$67.00} credit and 2 debits were all dated as posting on XX/XX/XXXX. On XX/XX/XXXX, when I checked my balance, 2 overdraft fees, each being {$35.00}, and a bank maintenance fee of {$14.00} had been deducted from my account by TD Bank, creating a total of {$84.00} in fees. On XX/XX/XXXX, I called TD Bank at XXXX and spoke to XXXX who stated that the overdraft fees were due to 2 of the 3 debits between XX/XX/XXXX & XX/XX/XXXX ( {$100.00}, {$6.00}, {$18.00} XXXX though she wasnt certain which 2 incurred the fees. I explained that I had unenrolled from the Debit Card Advance Program to avoid an overdraft and incurring fees. I also detailed how from my end it appeared that I had successfully transferred funds into my account between XX/XX/XXXX and XX/XX/XXXX to cover these 3 debits. XXXX told me that neither of the 2 {$35.00} fees would be removed from my account because TD Bank had credited me {$140.00} in overdraft fees in XX/XX/XXXX2018 when I unenrolled from the Debit Card Advance Program. XXXX supervisor, XXXX, also rejected my request and gave the same reason. Because of the {$14.00} maintenance fee and because of the {$70.00} in overdraft fees, my checking account was left overdrawn in the amount of {$46.00} on XX/XX/XXXX. I expressed to XXXX my concern that being overdrawn, I might incur more fees should something unexpected be charged to my account. XXXX stated that since I was already overdrawn, I would not incur more fees should I become more overdrawn.
On XX/XX/XXXX, a debit of {$2.00} from XXXX posted to my account. The {$2.00} was debited despite the funds not being available. Were it not for the {$84.00} in fees TD Bank assessed on XX/XX/XXXX, the funds would have been available. I am investigating what the {$2.00} is for, as it wasnt an expected charge. On XX/XX/XXXX, I deposited {$500.00} into my account. Another {$35.00} overdraft fee posted to my account on XX/XX/XXXX. On XX/XX/XXXX I called TD Bank and spoke to a customer service representative and a supervisor named XXXX. They told me the XX/XX/XXXX fee was for the {$2.00} debit on XX/XX/XXXX and refused to remove the fee. I explained that the only reason {$2.00} was unavailable in my checking account on XX/XX/XXXX was due to the {$84.00} in fees the bank assessed previously that week. I expressed dismay over a {$35.00} fee for a {$2.00} charge. Again I said that I had unenrolled from the Debit Card Advance Program so that transactions would be declined if the funds were not in my account. When I stated this to the supervisor, XXXX, she told me that TD Bank can pay charges to my account when the funds are not available putting my account in overdraft, and then assess the subsequent {$35.00} fee at their discretion, regardless of whether or not I am enrolled in the Debit Card Advance Program and regardless of the fact that I have not consented to overdraft fees.
It is stated on the U.S. Department of Treasurys website that by law, financial institutions are prohibited from assessing fees for paying ATM and one-time debit card transactions that overdraw consumer accounts unless the consumer affirmatively consents, or opts in, to the overdraft protection program. I depend on this statement being true and accurate, as I have a XXXX XXXX which makes accounting an immense challenge if not impossible for me to accurately manage. I can not afford to hire someone to do my day-to-day accounting. Prior to the Debit Card Advance Program, TD Bank would routinely decline charges to my account if there were insufficient funds. In my first 2 years with the bank ( XXXX & XXXX ), I was assessed a total of {$310.00} in overdraft fees, as opposed to the {$700.00} in overdraft fees I have incurred in the year 2018 alone. The bank still does decline transactions, but unreliably, which makes sense given XXXX statement that accepting or declining transactions is done at the banks discretion and not done based on fund availability nor the account holders consent. All this aside, I transferred funds into my account on XX/XX/XXXX to cover the 3 debits between XX/XX/XXXX and XX/XX/XXXX. TD Banks online system showed that my transfers posted in time to cover the 3 debits.
Everyone I spoke to at TD Bank on XX/XX/XXXX XXXX XX/XX/XXXX said that the only way to avoid going into overdraft and incurring overdraft fees was to have more money. To date, TD Bank has charged my checking account {$5200.00} in overdraft fees in the 6 years I have been banking with them. I would certainly have more money if those fees were not assessed and/or if there were a way to avoid them. Per the XXXX rule amending Regulation E, in part 205 of the Code of Federal Regulations, Title 12, I am entitled the option of declining enrollment in a banks overdraft protection program. I have never willfully consented to the overdraft fees assessed to my TD bank account. In my ongoing pursuit to avoid the fees, I have been talked into and out of being enrolled in TD Banks overdraft protection services by the banks representatives over the years. The cycle of overdraft fees perpetuating more overdraft fees to no limit is in part a reason for why I remain in a place of financial hardship. TD Banks system appears to be unlawful and has capitalized on my financial vulnerability as well as my XXXX XXXXXXXX both circumstances which Ive naively disclosed to TD Banks representatives when seeking their help.
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| 12/13/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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TD Bank N.A. is in direct violation of the consumer fraud protection rights afforded to me under the Electronic Funds Transfer Act in the amount of {$3400.00}. I have attempted on three separate occasions to resolve this manner and they have unjustly denied my claim on each occasion without providing any specific details surrounding their legal ability to do so. A full description of the events are as follows : On Wednesday XX/XX/2021 my debit card was lost or stolen in downtown XXXX sometime between XXXX and XXXX and somewhere between XXXX XXXX XXXX XXXX XXXX, TN XXXX and XXXX XXXX XXXX XXXX, XXXX, TN XXXX. I did not realize the card was missing until I awoke the following morning of XX/XX/2021 at approximately XXXX. Upon checking my email first thing in the morning I discovered {$3400.00} in unauthorized charges from XXXX separate transactions all occurring while I was asleep at my hotel on XX/XX/2021 between XXXX and XXXX. These fraudulent charges include XXXX consecutive transactions at a single ATM and over {$1200.00} in charges at a single XXXX location. None of this suspicious activity prompted any notification or protection from TD Bank.
I immediately contacted TD Banks Customer Service line and informed them of the stolen card. This call occurred less than 9 hours after the first fraudulent transaction. At the time of my initial call all fraudulent charges were in pending status and had not been posted to my account. I was informed that the card would be immediately deactivated, but that I would have to call back once all of the charges posted to my account in order to report the fraudulent activity.
The morning of XXXX XX/XX/2021 I confirmed that the fraudulent charges had posted to my account and called TD Bank Customer Service at approximately XXXX to file the fraud claim so that I could be reimbursed for all of the unauthorized charges. At the time I worked with the representative to review the account and confirm each of the XXXX fraudulent transactions individually. For the next week I awaited a provisional credit in the full amount of {$3400.00}, but received nothing.
On XXXX XXXXXX/XX/2021 I received a letter dated XX/XX/2021 via USPS from TD Bank N.A. that stated Based on our investigation, we have determined that fraud did not occur. It also indicated a total amount of {$2900.00} which did not include all of the fraudulent charges that occurred after I reported my card as stolen. No further details were provided in this letter. On XX/XX/2021 I called to dispute this false claim that fraud did not occur made by TD Bank N.A. During this call I was informed that my PIN number had been used on a number of the transactions. They questioned how another individual would have obtained my PIN number. I advised them I was unaware of how this may have occurred, but informed them that regardless of the use of my PIN, all the transactions being disputed were unauthorized and fraudulent. They informed me that if I wanted to reopen a fraud investigation, I would need to obtain a police report from the incident. I immediately contacted the XXXX Police Department and filed the requested police report detailing every location where fraudulent activity occurred from my bank statement. The police informed me that I could contact them in 3 5 business days to acquire a copy of the report.
On XXXX XXXXXX/XX/2021 I contacted the XXXX XXXX Police Department records office and submitted a request for a copy of the needed police report. On XXXX, XX/XX/2021 I received a full copy of the requested police report. I called TD Bank N.A. back on XXXX XX/XX/XXXX and informed them I had the police report in my possession and needed to reopen my fraud claim. They informed me that I would need to bring the report to a branch office since they were unable to accept any documents from me electronically. I complied and brought the report to my local TD Bank branch at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX onXX/XX/XXXX XX/XX/2021, along with a detailed list of my bank transaction history highlighting all of the XXXX fraudulent charges. The representative at the branch took all of the information and created a new fraud investigation. At this time they split the {$3400.00} in fraudulent transactions into 4 separate claims explaining to me that they were separating ATM, PIN and credit card transactions. The division of charges was done as follows : Request # XXXX {$2000.00} Request # XXXX {$75.00} Request # XXXX {$1100.00} Request # XXXX {$120.00} On Friday, XX/XX/2021 I received a provisional credit in the amount of {$2000.00} for request # XXXX. No provisional credits were provided for the other three requests. On Thursday, XX/XX/2021 I received four separate letters from TD Bank N.A. Three of the letters, for requests XXXX, XXXX and XXXX, stated based on our investigation, we have determined that fraud did not occur without any further explanation. The fourth letter for request XXXX confirmed the provisional credit stating this credit is granted pending completion of our review.
OnXX/XX/XXXX XX/XX/2021 I returned to my local branch to contest the decision on the three requests that were denied and seek further explanation. The branch could not provide a formal response, but noted that the use of my PIN number on the fraudulent transactions was listed in the notes. The representative advised that he would submit an inquiry and have someone contact me directly. The following day, XX/XX/XXXX XX/XX/2021 I received a call from TD Bank N.A. to inform me that they were reviewing my inquiry. The representative on the phone could not provide me with any additional information, but asked if I had any information on how my PIN number may have been compromised. I informed him that I did not know and asked that I please be contacted to obtain a full explanation regarding the status of my claim. He complied.
On XX/XX/XXXXXX/XX/2021 I received a letter related to request # XXXX informing me that based on our investigation, we have determined that fraud did not occur and that the provisional credit was being removed from my account. On XX/XX/XXXXXX/XX/XXXX,, 2021 the {$2000.00} provisional credit was debited from my account. No additional information has been provided regarding my claim since this date.
To date I have received {$0.00} in reimbursement from TD Bank N.A. I am seeking immediate reimbursement from TD Bank N.A. in the full amount of fraudulent charges applied to my account in the amount of {$3400.00}.
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| 09/06/2017 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Wrong amount charged or received
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Web |
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In the past I have sent money a couple of times from my bank account with TD Bank in XXXX to my bank account in XXXX with XXXX. These transfers were done without any problem. I asked to send US dollars to XXXX. TD Bank sent the dollars and my bank in XXXX made XXXXhe exchange from US $ to XXXX Pesos.
Now, onXX/XX/XXXX I asked again my Bank ( TD Bank ) to send US {$XXXX} to the same bank account in XXXX with XXXX, the same one used before, for buying a property for investment. I asked to send the amount directly in pesos. My data were exactly the same : same bank ( TD Bank in XXXX ) sending the money from the same account and same bank in XXXX ( XXXX in XXXX XXXX ) receiving it to the same account of mine previously used. They told me that the amount I should have received in Pesos was XXXX pesos. As per XXXX, the official closing exchange rate that day was XXXX. So the official exchange for US {$XXXX} was XXXX pesos. Just with that operation TD Bank earned XXXX pesos ( or US {$3200.00} ). But this is not the reason of my complaint. We all know that banks earn commissions from exchange rates and {$3200.00} is expensive but acceptable for wiring {$XXXX}.
After 2 weeks the money was not arrived. I asked TD Bank and ( just because I asked ) this time TD bank said that XXXX XXXX in XXXX had refused the wire for wrong account number in spite of the fact that previously they had sent money from my account with them to the same account in XXXX. No changes in my accounts. SO XXXX CAN NOT HAVE REFUSED THE WIRE. I again sent all the needed information but on XX/XX/XXXX I had the surprise to see my money returned to my account without any wire done and without asking my agreement to do it. The exchange rate was changed from the purchase of XXXX pesos to their sale. On XX/XX/XXXX the exchange rate was XXXX so I received US {$XXXX}. They sent me another form to fill with all the needed information.
At this point I asked my banker in XXXX to fill directly the form of TD Bank to do it again without risking to put any wrong information. So he sent to me all the required information and I asked to send the XXXX dollars with this information provided by XXXX. I asked to use the same rate exchange ofXX/XX/XXXX, my original request, but they said that this was a new request done on XX/XX/XXXX.. According to XXXX the official exchange rate that day was XXXX so the official exchange for US {$XXXX} should have been XXXX pesos. Again TD Bank had another earning. But this time they made 163,176 pesos ( or US {$8800.00}! ) for this second operation because I received an amount of XXXX pesos ( XXXX pesos less than the official exchange rate, as their second earnings, and XXXX pesos less than the previous wire ), since the American Dollar was lower now. I complained and I said that if this was a new request I was the XXXX but I preferred not to further delay the wire for not losing my business and confirmed my will to send this money.
So, I was charged XXXX pesos ( or US {$3200.00} ) for the first attempt and XXXX pesos ( or US {$8800.00}! ) for the second one of the same amount. This is unacceptable. After giving my consent I verified the official exchange rates and I discovered all I said before. Totally unacceptable! How can customers trust this bank anymore?
Also I lost the first exchange rate that was better for me because I was obliged to sell my original XXXX pesos and re-buy them at a much more expensive rate and at a much more bank expenses for the same amount.
But again, I didnt receive the money and after 10 days I asked again about. Just because I asked, they said that XXXX XXXX had rejected the wire due to incorrect account number. All this time I have been in touch with XXXX and they confirmed in writing to me that they never received any attempt of wire for me from TD Bank nor the first time and neither the second time. They ( XXXX ) also told me to ask TD Bank a proof of their rejection. I asked this but TD Bank never provided any document or communication from XXXX stating anything.
I asked to keep these pesos for me, losing already XXXX pesos if compared to the first original wire, but they responded that they can not have the funds returned in Pesos to my account and it has to be in dollars. I responded that of course I know that this account is in dollars. But having been working in a bank for 11 years I know that they can create a pesos account for me or just keep the funds where they are keeping them in pesos now until I decide what to do with my money.
In spite of all my instructions, I have been again forced to exchange my pesos back in dollars. As a matter of fact onXX/XX/XXXX I received on my account US {$240000.00}. According to average official rate exchange of the day.
It is evident that TD Bank has some reason for keeping exchanging my money from dollars to p esos and from pesos to dollars several times, charging every time ridiculous expenses. We are not talking about XXXX dollars but about a quart of million dollar on which they have an incredible advantage ( at my cost ) every time they make an exchange and they did it already 4 times : first exchange from dollars to pesos, second exchange from pesos back to dollars, third exchange again from dollars to pesos and fourth exchange from pesos back to dollars. I can not let them have more advantage with my money, especially if at my cost. It is a fact that XXXX states that they never received anything neither sent a communication rejecting the wire due to incorrect account number and also that TD Bank never provided such a document proving that they honestly tried to send the money to my XXXX bank.
Banks are at the service of clients and not vice versa. But in this case it looks like clients are at the service of banks and that those banks apply arbitrary conditions to their clients.
The proof of their incontestable arbitrariness lies in the ridiculous difference between the first and the second gain ( the gain, not the rate exchange, we all know about rate exchanges continuous variations ) for the same amount of money ( US {$XXXX} ), and also in the fact that they, after saying that XXXX XXXX had rejected the wire due to incorrect account number, never satisfied my request of showing me the original message of the receiving bank stating, as above mentioned, that XXXX XXXX had rejected the wire due to incorrect account number.
|
| 11/29/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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My Target card payment is due on the XXXX of each month I paid the bill electronically on the XX/XX/2021 however the bank did not process the payment until the XXXX. So XXXX considered it a late payment and has since has charged me a late fee for XXXX for the month of XXXX and another late fee of XXXX for the month XXXX and now owe XXXX minimum due on an account I usually make {$40.00} payments on. I called Target card customer service on the XXXX after I discovered the issue and they advised that because there are many ways to pay the card that the due date is still the XXXX no matter the day it falls on The rep I spoke with advised me that this is in the terms however per the terms I reviewed it is not clearly stated : XXXX. PAYMENTS - We will send you a billing statement each month that your Account has a balance. Your billing statement will show the amount you owe us, which is called the New Balance, and the smallest amount you have agreed to pay us for that billing period, which is called the Minimum Payment Due. If any portion of the New Balance is delinquent, the statement will show the Amount Past Due. The statement will also tell you the Payment Due Date.
The Minimum Payment Due each month will equal the greater of a ) {$29.00} ; or b ) the sum of the following : 1 % of your New Balance ( rounded to the next higher whole dollar amount ), any Interest Charges, any Returned Payment Fees, and any Late Payment Fees. We may round your Minimum Payment Due to the next higher whole dollar amount. If there is an Amount Past Due, we will also add that amount and include it in your Minimum Payment Due. If your New Balance is less than {$29.00}, the Minimum Payment Due will be the entire New Balance.
Your minimum payments will be allocated in our discretion. Payments in excess of the minimum payment will be allocated in accordance with applicable law.
You agree to pay us in United States dollars. If you pay by check, your check must be drawn on a depository institution located in the United States.
If you do not pay the New Balance in full, you agree to pay by your Payment Due Date at least the Minimum Payment Due. You may, at any time, pay XXXX XXXX XXXX XXXX ) the total amount owing on your Account. Payments are posted to your Account in a timely manner as required by law. However, we may delay restoring your available Credit Limit in the amount of the payment to make sure we receive the funds.
At our option, we may obtain payment for any check or other instrument that you send to us by initiating an electronic ( including XXXX XXXX XXXX ) transfer from your depository institution account in the amount of your check or instrument. Your check or instrument will not be returned to you by us or by your depository institution. Your depository institution account may be debited as early as the same day we receive your payment. If we can not process the electronic transfer or if the electronic transfer is returned to us, we may present the original check or other instrument, a substitute check, draft or similar instrument to obtain payment.
BALANCE COMPUTATION AND PAYING INTEREST CHARGES- We calculate a Daily Balance for your Account. We may maintain separate balances for your Purchases and special promotional Purchase balances ( each, a Balance Type ) and calculate a Daily Balance for each. To determine the Daily Balance for a Balance Type, each day we take the beginning balance for the Balance Type, add any new charges included in that Balance Type, and subtract any payments and credits applied to that Balance Type. We then multiply the resulting balance by the applicable Daily Periodic Rate. The resulting daily Interest Charge is included in the beginning balance of that Balance Type for the next day. Purchases are included in the Daily Balance as of the later of the transaction date or the first day of the billing period in which the Purchase is posted to the Account.
Fees are included in the Daily Balance of Purchases when posted to the Account.
We figure the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate for each day in the billing cycle.
At the end of the billing period, we will add up the daily Interest Charges on all Balance Types for each day in the billing period to get the total Interest Charge for the billing period.
XXXX XXXX XXXX XXXX XXXX Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. However, if you paid the New Balance that was shown on your previous billing statement by the Payment Due Date on that statement, then ( XXXX ) we will not impose Interest Charges on Purchases during your current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement, and ( XXXX ) we will credit any payment ( to the extent the payment is applied toward Purchases ) as of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing periods New Balance.
If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement.
Please note that if your Account has a promotional balance, this may impact how we are required to apply your payments and whether you can take advantage of these terms regarding Interest Charges on Purchases.
MINIMUM CHARGE FOR BILLING PERIOD - For any billing period in which an Interest Charge is imposed on your Account, there is a minimum interest charge of {$1.00}.
XXXX. FEES - The following fees may be assessed on your Account.
LATE PAYMENT FEE - You will pay a Late Payment Fee of {$29.00} when any amount due remains unpaid after your Payment Due Date. Any subsequent Late Payment Fees will be {$40.00} until you make your required Minimum Payment Due by the Payment Due Date for six consecutive billing periods. In any event, the Late Payment Fee will not be greater than your Minimum Payment Due for the billing period for which your payment was late.
As of today the issue has not been resolved.
|
| 07/24/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
Older American |
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ERROR OCCURRED ON XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FOR PURCHASING ONLY ONE {$510.00} CASHIER CHECK, MY DEBIT CARD WAS BEEN DEBITED TWICE IT COULD BE HAPPENS EITHER BECAUSE : 1. EMBLAZZEMENT BY THE TELLER TO STEAL MY {$510.00} CASH DEPOSIT AT XXXXXXXX XXXX BY ORDERED ME TO PUT MY P.I.N. AGAIN FOR THE SECOND TIME FOR THE SAME TRANSACTION, FOR TELLERS REASON : THE FIRST TIME I PUT MY P.I.N. IN THAT TELLER MACHINE WAS NOT WORKING, WHEREAS IT WAS WORKING BASED ON THE FACT # 2, THAT IT ACCEPTED/PROCESSED MY {$510.00} CASH DEPOSIT AT XXXX XXXX PRIOR TO THE WITHDREW {$510.00} TO PURCHASE THAT {$510.00} CASHIER CHECK AT XXXXXXXX XXXX
( PS : THE TIME OF THIS WITHDREW AT XXXXXXXX XXXX. IS PRINTED ON THE TOP LEFT CORNER OF MY WITHDREW RECEIPT ).
THE TELLER/HE LIED TO ME THAT THE FIRST TIME I PUT MY PIN ( AT XXXX XXXX. ) WAS NOT WORKING, ACCORDINGLY TO HIM, AS HIS REASON TO ORDERED ME TO PUT MY P.I.N. AGAIN FOR THE 2ND TIME FOR THE SAME TRANSACTION : WHICH WAS PURCHASING ONLY ONE {$510.00} CASHIER CHECK.
HOW I CAN ASSUME THAT HE LIED THAT THE FIRST TIME I PUT MY PIN IT WAS NOT WORKING : PLEASE LOOK AT THE FACT # 1 : IN TD BANK DATABASE : IT SAYS THERE IS A DEBIT AT XXXXXXXX XXXX. FOR {$510.00}, WHICH I DIDNT KNOW ABOUT IT UNTIL I WAS BEEN TOLD BY TD BANK IN XXXX.
THIS FACT # 1 : SPEAKS TO ITSELF THAT THE FIRST TIME I PUT MY P.I.N. AT XXXX XXXX XXXX XXXX WAS WORKING.
WHY DID THE TELLER HAD TO LIE TO ME THAT IT WAS NOT WORKING TO MAKE ME PUT MY PIN AGAIN FOR THE SECOND TIME FOR THE SAME TRANSACTION, PURCHASING ONE ONLY ONE XXXX XXXX CASHIER CHECK? IT WAS A SUDDEN PLAN TO STEAL THE {$510.00} CASH DEPOSIT I BROUGHT IN TO PURCHASE THAT {$510.00} CASHIER CHECK.
MY THEORY : A SUDDENLY PLAN OF THE TELLER TO EMBLAZZE ( STEAL ) MY {$510.00} CASH DEPOSIT I BROUGHT IN CASH. PERHAPS HE/TELLER HAS KNOWLEDGE HOW TO STEAL CUSTOMER MONEY AND HE KNOWS IF HE COULD CONVINCE THIS CUSTOMER TO PUT HER PIN AGAIN FOR THE SECOND TIME AFTER THE FIRST ONE, AND FOR THE SAME TRANSACTION OF PURCHASING {$510.00} CASH DEPOSIT SHE BROUGHT IN, PERHAPS WONT BE CATCH BY ME. HE TOOK THE {$510.00} CASH I HANDED IN AT XXXXXXXX XXXX. PLEASE BE REFERRED TO MY PROOF OF CASH DEPOSIT TICKET, IT IS PRINTED ON THERE THAT I DEPOSITED THE CASH AT XXXX XXXX
PERHAPS HE HAD DONE IT BEFORE WITHOUT BEING CATCHED, IF THE CUSTOMER AS A VICTIM OF SCAMMER WAS NOT PAY ATTENTION.
THE SEQUAENCE, WHICH CAME AT FIRST : TD BANK DATA AT XXXXXXXX XXXX AS FACT # 1 WHICH I DID NOT KNOW OR HAVE KNOWLEDGE UNTIL I WAS TOLD BY TD BANK THAT THERE WAS A DEBIT AT XXXXXXXX XXXX. IN TD BANK DATABASE.
THIS TD BANK DATA ; IS A FACT # 1 : THAT SPEAKS TO ITSELF THAT AT XXXX XXXX THE FIRST P.I.N. I PUT IN THAT COUNTER TELLER MACHINE WAS WORKING.
WHY DID THE TELLER LIE TO ME THAT IT WAS NOT WORKING TO PURSUE ME TO PUT MY P.I.N. AGAIN? IT WAS AN EBLAZZED TO STEAL THE {$510.00} CASH DEPOSIT I BROUGHT IN MONEY.
HOWEVER : THE TELLER DID NOT GIVE ME A WITHDREW SLIP TO BE SIGNED BY ME NEITHER ISSUED ME RECEIPT FOR WHAT THE TD BANK DATABASE SAYS : THERE IS A DEBIT AT XXXXXXXX XXXX. FOR {$510.00}. THIS CAN BE MAKE AS A FACT # 1. ( A ).
( PS : WHAT HAPPENED AT XXXXXXXX XXXX. WAS NOT KNOWN BY ME UNTIL I WAS BEEN TOLD ON XXXX ).
TD BANK DATA AT XXXX XXXX. AS FACT # 2 : AS SOONER AFTER I PUT MY PIN FOR THE FIRST TIME : I TOLD THE TELLER : HEY, YOU ARE SUPPOSEDLY TO DEPOSIT MY {$510.00} CASH DEPOSIT AT FIRST, BEFORE YOU ISSUE ME A CASHIER CHECK. ( WHICH I WANTED TO USE TO PURCHASE THAT {$510.00} CASHIER CHECK BY BROUGHT MY CASH {$510.00} TO THE TELLER ).
IN MY CASH TICKET DEPOSIT IS PRINTED THE TIME OF DEPOSITING THAT {$510.00} CASH. IT IS AT XXXXXXXX XXXX
THIS IS A FACT # 2 : TD BANK DATA AT XXXX XXXX. SPEAKS TO ITSELF THAT THE FIRST TIME I PUT MY PIN WAS WORKING.
WHY DID THE TELLER LIE AND TOLD ME TO PUT MY PIN AGAIN FOR HIS REASON THE FIRST TIME WAS NOT WORKING, WHEREAS ACCORDINGLY TO THE TD BANK DATA, IT WAS WORKING?
PERHAPS, THERE WAS A SUDDENLY EMBLAZZE PLAN TO STEAL MY {$510.00} CASH DEPOSIT I BROUGHT IN CASH TO THE TELLER.
2. HONEST MISTAKE BY THE TELLER AT XXXXXXXX XXXX ORDERED ME TO PUT MY DEBIT CARD P.I.N. AGAIN FOR THE SECOND TIME FOR THE SAME TRANSACTION OF PURCHASING ONLY ONE {$510.00} CASHIER CHECK.
AS SOONER AFTER I PUT MY P.I.N. FOR THE FIRST TIME AT XXXX XXXX. ( PS : ACCORDING TO TD BANK DATA I WAS BEEN TOLD, OUT OF MY KNOWLEDGE UNTIL XXXX ).
I INTERUPTED THE TELLER BY TOLD HIM THAT I WAS SUPPOSDLY TO DEPOSIT MY {$510.00} CASH AT FIRST BEFORE PURCHASING THAT {$510.00} CASHIER CHECK, SINCE THE TD BANK REAQUIRES THAT THE FUND TO PURCHASE THE CASHIER CHECK HAS TO BE FROM TD BANK ACCOUNT.
ALTHOUGH I HAVE ENOUGH MONEY ON MY TD BANK ACCOUNT TO PURCHASE THAT CASHIER CHECK, I BROUGHT IN CASH BECAUSE I ALSO WANTED TO BUY XXXX XXXX CASHIER CHECK AND I WAS AFRAID IT WOULD CAUSE MY ENDING BALANCE LESSER THEN THE REQUIRES {$250.00} MINIMUM BALANCE ON MY ACCOUNT OR OTHERWISE WILL GET MONTHLY CHARGE.
THEN HE/THE TELLER PROCEEDED MY CASH DEPOSIT INCLUDED GAVE ME A DEPOSIT SLIP FOR THAT {$510.00} DEPOSIT AND ISSUED ME ITS RECEIPT BESIDES I HAVE CASH DEPOSIT TICKET WHICH PRINTED THE TIME ON IT : AT XXXX ; XXXX XXXX.
THIS IS THE SECOND FACT # 2 : THAT TD BANK DATA AT XXXXXXXX XXXX. THE P.I.N. I PUT FOR THE FIRST TIME WAS WORKING.
WHY DID THE TELLER LIED TO ME THAT IT WAS NOT WORKING TO CONVINCE ME TO PUT MY P.I.N. AGAIN? WHEREAS EVERYBODY KNOWS THAT IF THE DEBIT CARD/CREDIT CARD IS BEING SWIPED MULTIPLE TIMES, IT WILL CAUSE CHARGED MULTIPLE TIMES FOR A SINGLE ONE TRANSACTION.
IS THIS an HONEST MISTAKE OR EMBLAZZEMENT BY THE TELLER TO CAUSE MY {$510.00} CASH DEPOSIT I BROUGHT IN DISAPPEAR?
HOWEVER, MAY BE IT WAS AN HONES MISTAKE : A HUMAN ERROR.
PERHAPS HE FORGOT OR HE DIDNT KNOW THAT HE HAD TO CANCEL THE FIRST ONE I PUT MY P.I.N. AT XXXXXXXX XXXX. BEFORE PROCESSING MY CASH DEPOSIT I BROUGHT IN MONEY AT XXXX XXXX. IT IS PRINTED ON MY CASH DEPOSIT TICKET RECEIPT, THE TIME IS : XXXX XXXX
FOR THIS CASH DEPOSIT {$510.00} TRANSACTION : HE GAVE ME A DEPOSIT SLIP AND ALSO ISSUE A CASH DEPOSIT TICKET.
FROM HUMAN ERROR ( TELLER ERROR ) MENTIONED ABOVE, HAD CAUSED ( DISTURBED ) THE TD BANK SYSTEMS WAS BEING DISTURBED, AND IT CAUSED TD BANK SYSTEMS MADE AN ERROR, BY REQUIRED ME ( THE CUSTOMER ) TO PUT MY P.I.N. AGAIN FOR THE SECOND TIME, BECAUSE IT DIDNT KNOW THAT IT IS THE SAME TRANSACTION THAT THE TELLER FORGOT TO CANCEL IT.
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| 06/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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To whom it may concern : On XX/XX/XXXX, my truck was repossessed and taken from my driveway. The repossession occurred around XXXX XXXX in the morning. Due to an automatic draft era with my bank, my truck loan was not paid. I immediately revered my truck within 12 hours of the repossession. I paid {$860.00} for towing, {$650.00} for fees, and {$1100.00} for past due amounts. The total amount for recovering my vehicle was {$3600.00}. My truck loan is only {$710.00} a month. In all paid 5 months of truck loans. I only owed for 2 months. My account was over 60 days due on XX/XX/XXXX. TD ( TD Bank ) also charged me for sheriff fees for my truck to be taken off my property. The sheriff fees are only supposed to be issued if I deny the sheriff access to my property. I did not protest the towing. No sheriffs were present. I paid the requested amount on XXXX the XXXX, XXXX before XXXXXXXX XXXX. I did not get the location of my truck from XXXX until that afternoon. TD lets XXXX handle their repossession claims. XXXX hired a XXXXXXXX XXXX XXXX XXXX XXXX to tow my truck. My truck was towed with the front axle wheels on the ground from my house to the towing yard. When I arrived I saw my truck in the yard. One of the workers asked me if that was my truck as I was looking through the fence. She informed me I had to wait until tomorrow because they were about to close in thirty minutes. I demanded my truck and fill out the necessary paperwork so my truck can be released. Before the truck was released to me, one of the workers asked me for my key. When he tried to move my truck, the gears would not engage. He informed me that the tow truck driver pulled my truck out of gear. This could have caused major damage to my transmission. I have not had my transmission checked as of yet. The worker used a forklift to raise my truck from the back. The truck was at a steep angle on the front two wheels. He got under the truck while it was raised on the forklift and somehow put the truck back in gear.
I received a list of items that were supposed to be in my truck. When I entered my truck, my personal things were thrown all over my truck. There were only a few items on the list. I have several pictures that capture the state of my truck. The list was incomplete. The shoddy paperwork can be verified based on the pictures and the time/date stamp on the pictures. Only certain items the company thought were of value were listed. Those items if I recall were a XXXX, a XXXX ring, and a custom {$4000.00} tenor saxophone ( which labeled as an old junk instrument ). None of my belongings were bagged like the other customers that showed up. I had to pay the towing company {$150.00} for this negligent treatment of my property in addition to the {$3600.00} that TD Bank required me to pay.
Within a week of the repossession, my truck started to shake near the front axle. I notice my tires were balding so I replaced them with used tires in good condition for {$65.00} dollars a tire. Not long after that, I had to replace those tires again with used tires at the same price. Sensing something was wrong with my suspension, I bought my truck to a XXXX automotive center for an alignment. They informed me after paying {$20.00} dollars for the initial inspection, that both upper control arms were badly bent. XXXX estimated my repair bill to be {$2600.00}. I had to drive my truck to my home. I bought 2 upper control arms for my truck from XXXX XXXX XXXX. I had a local mechanic replace the control arms. After the repair, I returned to XXXX automotive to get an alignment. I have not had any problems since the alignment. The alignment was {$50.00}. The upper control arm repair was close to {$600.00} dollars.
I have been making my vehicle payments on the XXXX of every month since but I am two months behind because of repair fees due to the tow. I have talked to TD every month and made my payments over the phone. Last month, XX/XX/XXXX, a representative from TD listened to my story and advised me to ask for a two-month extension while paying on the XXXX of each month as usual. This month I made a phone payment on the XXXX of this month because TD offices are closed on the weekend. I called today to see if the payment cleared. The agent this morning advised me that the truck was out for repossession and that I owed {$1600.00} before XX/XX/XXXX. She also stated I received a letter in the mail. I did not receive the letter yet. She also began to falsely accuse me of being 90 days late since the repossession and I need to just pay the bill and she could not connect me to a supervisor. She told me they were all assisting other calls. I asked about the repairs and she gave me a number for TD redemption department. I told the agent that I already went through this process 3 times already. No one wants to accept responsibility. She advised me that was my only avenue to clear things up. I called the redemption department and the gentleman informed me that my car was not out for repossession and my phone payment was posted on the XXXX of this month. He said it was made on the 59th day. The previous agent from the call center said I was 61 days late and my truck was going to be repossessed and she needed {$1600.00} by XX/XX/XXXX. The redemption agent told me just try to make an additional payment so that I could be in good standing. He gave me the number for XXXX to file a claim for damages to my truck.
When I called XXXX the agent told me that I should contact the tow yard. I told him that the company advised me to contact TD. I advised him that I had been through this process 3 times. He abruptly told me that I had not called and reported an incident. But my phone records show that I called all parties including XXXX. I am filing a claim for damages with XXXX. They asked for proof with receipts. I do not have receipts for the repair but I do have every other documented that XXXX wants.
I just want someone to apology for their service and for damaging my property. It is evident that this vehicle loan for any entity is an opportunity to take property from poor people that may not have enough money to deal with all the fees. I am a XXXX XXXX with a XXXX member family. I can not afford to part with large sums of money at a time due to another persons negligence.
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| 06/24/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American, Servicemember |
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XXXX XXXX XXXX in XXXX XXXX, TX failed to delivery the mattress and base that is on my receipt, what I purchased on XX/XX/2023. I charged it to XXXX XXXX TD Card Services Card that I received approval for on XX/XX/2023.
Also, I took the sofa that day with me when I left the store that I purchased for {$1200.00} on XX/XX/2023. No delivery was needed by XXXX XXXX. The sofa was from the clearance floor.
My issues : ( 1 ) Response to my dispute submitted on XX/XX/2023 received on XX/XX/2023. Why was my dispute case # XXXX closed with no detail explanation on what the investigation found after almost 90 days. On XX/XX/2023 I logged into XXXX XXXX website and submitted an inquiry to request a detail explanation of their investigation. On XX/XX/2023 online services recommended that I call XXXX to discuss it with customer care. On XX/XX/2023 I spoke with XXXX XXXX TD Bank Customer Care ( XXXX ) about the dispute response/resolution. I didn't receive an explanation of their resolution and was directed to submit a new dispute form with more details because this dispute Case, # XXXX, is closed. She did explain that the process for investigating a dispute received is to send the dispute to the store to resolve. This is the same process XXXX XXXX Corporate Office used when I was communicating with them on or about XX/XX/2023 thru XX/XX/2023 about the mattress that was delivered. All of my attempts, XXXX XXXX Corporate Office attempts, and now TD Card Services attempt to allow XXXX XXXX XXXX XXXX XXXX, Texas to resolve my issues have failed. I've requested a refund for the XXXX and base that I did not get, but paid the amount {$2900.00} because TD Card Services stated that I still had to pay while the dispute is being investigated.
( 2 ) XXXX XXXX TD Card Services Billing Cycle Statement dates are not accurate ( see attached XX/XX/XXXX - XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX ). I had absolutely no business with XXXX XXXX from XX/XX/2023 thru XX/XX/2023 nor prior to XX/XX/2023. Why did my billing cycle started on XX/XX/2023 instead of XX/XX/2023 my original purchase date.
( XXXX ) XXXX XXXX TD Services billed me for transactions that I do not have receipts for. I can't match the transactions on the billing statement with the in-store receipts by description or amount or any other factors. TD Card Services Billing cycle transactions listed just can not be matched to the in-store and email receipts I've received. See attached XX/XX/XXXX - XX/XX/2023 XXXX XXXX XXXX XXXX.
( 4 ) TD Card Services Billing XXXX XXXX XX/XX/2023 thru XX/XX/2023 transaction : I did not receive a " bed '' for {$2900.00}. I define a bed as a headboard, footboard, rails, base, and mattress. I did not receive any products for which I paid {$2900.00}. XXXX XXXX XXXX XXXX, TX did not deliver the mattress and base that is listed on my receipts nor a " bed '' as listed on TD Card Services Billing Cycle Statement XX/XX/2023 thru XX/XX/2023 for {$2900.00}. They delivered a XXXX base and XXXX XXXX FM mattress on XX/XX/2023. Both where in pink shrink wrap and no documentation was included for care of the mattress- it appears to be used. See attached photo for what XXXX XXXX XXXX XXXX delivered ( see XXXX XXXX Delivered Mattress ( XXXX ) and XXXX base replacement XXXX ). Pay close attention to how the mattress manufacture tag is ripped - that's how it was when it was delivered. On or about XX/XX/2023, XXXX XXXX XXXX XXXX XXXX, XXXX told me I will have to pay additional funds to get the mattress and base on my receipt, besides the additional {$400.00} I already had paid on XX/XX/2023 for a XXXX XXXX mattress cover and pillow so the mattress can be covered under the XXXX warranty for a return ( see XXXX XXXX XXXX In-store receipts received XXXX ). I refused and requested a refund for the mattress and base. XXXX refused and by the way he said Corporate told him to call me. On XX/XX/2023, XXXX did agree to replace the very noisy malfunctioning base that was delivered on XX/XX/2023. On XX/XX/2023 XXXX XXXX XXXX delivered a base that was in a box ( not pink shrink wrap ), but it's still not the one on my receipt. The mattress and base is nothing like the one I laid on and used in the store ( bait and switch business practice ). I'm unable to reconcile my receipts with XXXX XXXX TD Card Services Billing Statement because it's too vague with no description or matching amounts, that's why I can't confirm the fraudulent activities XXXX XXXX XXXX XXXX appear to have executed.
( XXXX ) XXXX XXXX TD Card Services dispute response included an in-store receipt for {$1100.00} attached that I did not receive ( see XXXX XXXX TD Bank Response to Depute page 4 ). I only paid the required {$300.00} down payment that represented on XXXX in-store receipt that lists XXXX items with a total sales order {$4300.00} ( see attachment XXXX XXXX email Receipt XXXX page XXXX ). There is nothing on my XXXX receipts for {$1100.00} nor {$2900.00} the amounts of the transactions on the billing cycle.
Activities and Actions : XXXX XXXX XXXX XXXX XXXX, TX transactions purchased XXXX ; Date Matress and base was Delivered : XX/XX/2023 ; XXXX XXXX TD Card Services Billing Statement Date : XX/XX/2023 thru XX/XX/2023 ; XXXX XXXX TD Card Services Billing Statement Amount Due : {$4000.00} ( Transaction XXXX {$1100.00}, Transaction XXXX - {$2900.00} ) ; Mailed dispute form on XX/XX/2023 ; XXXX XXXX XXXX XXXX closed XX/XX/2023 per my request to avoid unwanted/unauthorized XXXX XXXX Furniture transactions charges and finance interest charges due to what appears to be fraudulent business practices. Received letters on XX/XX/2023 and XX/XX/2023 stating investigation into the dispute continues ; Received TD Card Retail Dispute Response for Case # XXXX on XX/XX/2023 the letter is date XXXX ; XX/XX/2023 Called TD Card Services for explanation of findings. The following are online inquiries dates I've submitted in reference to these billing statements and transactions purchased ( see screen XXXX XXXX Online Inquiry Messages ).
Reference # Date Submitted Category Status XXXX XX/XX/2023 XXXX PM Other Action Complete XXXX XX/XX/2023 XXXX PM Account Question Action Complete XXXX XX/XX/2023 XXXX PM Account Question Action Complete XXXX XX/XX/2023 XXXX PM Account Question Action Complete
|
| 04/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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|
Web |
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TD Bank History of Events Derogatory Credit Issued TD checking account number XXXX Overdraft line number XXXX XXXX Opened a joint account at XXXX XXXX XXXX with a convenience overdraft line attached to the account.
Merger of XXXX XXXX with TD Bank - account was not operating correctly. Statements and notices were not being mailed to my address. TD bank admittedly noted that unknown address was contained on file.
XXXX Numerous attempts at Branch ( XXXX branch manager name XXXX ) to have overdraft line appear on electronic banking software so payments could be easily made. After number hours of manager time and IT time it was never resolved and I could never access balance. Therefore, when monthly statement for checking account came I would payoff credit line by rounding to the nearest whole dollar to cover any interest or fees or call in and have them remove the funds as evidenced on XXXX statement..
During XXXX payments we not being applied correctly or timely. In particular the XX/XX/XXXX to XX/XX/XXXX.
After months of dissatisfaction with their product and services, I began winding down services and transferred to another institution fully closing the account on XXXX. Withdrawing {$450.00} ; the bank held back {$50.00} and mailed the check a few month later for me to deposit. Upon depositing the {$50.00}, the check bounced at the other institution for it was voided or cancelled. It was never applied to the any balance on the overdraft line.
XX/XX/XXXX I started receiving collection calls. Apparently, TD charged off the loan and sold it to a collection agency. I contacted TD directly and they stated it was with the collection agency and I should work with them directly. With neither the bank or the collection agency would open discussions with me since I was not able to provide them with the mailing address they had on file. Both the agency and the bank stated I was mailed letters regarding the balance owed, which I never received. After numerous discussions and escalations they explicated stated it was due to a system glitch and the letters were being mailed to another customer who had with the same account number or a similar one. This was also the rationale behind why I could NOT get electronic access as noted above on the credit line account.
After these months and the start of calls, I filed a complaint with the XXXX XXXX XXXX ( XXXX case # XXXX ). XX/XX/XXXX, supervisor XXXX XXXX, contacted me regarding my compliant. In a letter dated XX/XX/XXXX, Mr. XXXX the account was closed with the collection agency and they cleared the credit marks with the bureaus as stated in his letter from XX/XX/XXXX. I agreed to provide them with the documentation supporting payments and disputes. I never received any details as to what was outstanding and comprised the {$1000.00} balance owed.
I gathered the information and supplied it to TD along with phone calls on XX/XX/XXXX, XXXX, XXXX ( no response ) and XXXX ( no response ). Per Bank Statements CREDIT FUNDINGS and Payments are as follows : Funding Date Funding Amount Payment Date Payment Amount/Waiver of Interest Penalties XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone paid XXXX XXXX waiver XXXX XXXX XXXX ck # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEBIT XXXX XXXX XXXX XXXX CK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MAINTANENCE FEE WAIVED BY BANK XXXX XXXX NEVER REQUESTED OR NEEDED BANK WAS PROCESSING PAYMENTS THAT WERE CANCELLED AND CASH NEVER LEFT BANK resulting in the overdraft of the account XXXX HOLDBACK {$50.00} After numerous calls without responses and requested escalations to a supervisor, XXXX or XXXX, I assumed all was well and they reflected the account properly.
In XXXX, I was refinancing my mortgage due to being laid off during the financial crisis. I applied and was notified that TD had reported in XXXX of XXXX the account was charged off and per the XXXX report, {$1000.00} was written off and {$10.00} was past due.
Upon realization of this I contacted TD once again, In XXXX of XXXX, I was working with a XXXX XXXX on resolution of the dispute and faxed her the above information XX/XX/XXXX. XXXX did infer that TD went through a system change and that my account was never properly closed ; so therefore it went through to the credit bureaus. We had a limited number of conversations and then communication ceased. On XX/XX/XXXX I spoke with a XXXX XXXX who indicated that due to the address complication a supervisor ( XXXX or XXXX ) would need to speak with me.. With no response, I contacted them again on XX/XX/XXXX, XX/XX/XXXX I spoke with XXXX and XX/XX/XXXX I spoke with XXXX XXXX.
I couldnt understand and still do not understand how after three years of having a resolution that it would just reappear. My refinancing was negatively impacted due to this one derogatory posting. I had to jump through many hurdles to finalize the refinancing and it cost me more as my rate was higher.
XX/XX/XXXX, I tried to reconnect with XXXX and XXXX XXXX via email and both emails were returned XXXX stated I will be out of the office until Monday XXXX. All email will be responded at the time. Thanks you. Mr. XXXX email stated he accepted another position within the bank and to contact the XXXX number.
I was so disgusted I contacted the now PA Market President, XXXX XXXX. I had worked with him throughout the years in a business capacity. Whether right or wrong to mix business and personal, I felt I had no choice. He responded very professionally and said he would pass it on. I do not know if this occurred or not.
I tried to contact him once more and did not receive a response.
I am review my credit and it is still on my file, I feel I have no choice but to file a complaint with regards to TDs practices and the hurt it is causing me to seek any financing. I have been rejected to apply for financing due to this still being on my credit file.
I did notify Mr. XXXX out of courtesy I would be filing a complaint with CFPB.
Can you please advise as to my next steps to have this removed. I will file once again with the XXXX and dispute the facts with the credit agencies, referencing my complaint with the CFPB.
|
| 02/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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|
Web |
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On XX/XX/XXXX, I was issued a Summons by TD Bank USA.Target XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX seeking a judgment for a Target Credit card debt filed in the State of South Carolina XXXX of XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
TD Bank XXXX, Target XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX made several violations in violating the Fair Debt Collection Practice Act, and the Privacy Act in the filing of the Summons by submitting an exhibit to the Court of my expired XXXX Professional License with my attached photo along with a document displayed with my name listed as a Method of Teaching Course Provider that is electronially displayed online. Thus, violating my privacy.
rights and civil rights.
Also, I was sued without being properly notified of the lawsuit.
Attached with the Summons at the XXXX House electronically displayed online is a documentation of my expired XXXX Professional license with my attached photo along with a display document of my name listed as a Method of Teaching Course Provider. My photo is not redacted/blocked out, which personal information is supposed to be redacted. My privacy rights are being violated. This violation puts me at risk for identity thief and fraud etc.
In addition, TD Bank XXXX XXXX Target XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX did NOT obtain my XXXX professional lisence with my attached photo from me, which they deceptively, falsely, misleadingly misrepresented my XXXX professional licence in connection with the collection of the debt by submitting it to the XXXX as a document. Submitting my expired license with my photo to the XXXX like I killed someone.
Target XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX, and the XXXX XXXX XXXX House violated my privacy rights. My photo should have been redacted/blocked out. They all put me at risk for identity thief and fraud etc.. My personal information ( professional license with attached photo ) should not be displayed online.
I'm not sure how Target XXXX XXXX ( XXXX ), TD Bank XXXX or XXXX XXXX XXXX XXXX obtained my XXXX Professional license with my attached photo, which my professional license were issued on XX/XX/XXXX and expired on XX/XX/XXXX and couldn't have been in used to obtain the XXXX Target Credit Card. The way how my XXXX XXXX license is displayed in the photo, my professional license is NOT public information. I attached my photo to that professional license along with the XXXX XXXX XXXX XXXX XXXX document like that to be submitted to the SBA ( Small Business XXXX ) when I applied for the PPP Loan and Grant in XXXX or XXXX. I'm not sure if the SBA used TD Bank USA to issue the funds for the XXXX proceeds that I received or if the SBA have my personal information public.
I never submitted my XX/XX/XXXX - XX/XX/XXXX ( expire ) Professional License to Target XXXX XXXX XXXX XXXX ), TD Bank XXXX XXXX XXXX XXXX XXXX XXXX. My XXXX Professional License were not used at the opening of the XX/XX/XXXX Target credit card to obtain credit and should NOT be used as an exhibit in XXXX in an attempt to collect on a bad debt without proper documentation.
On Thursday, I was contacted by a XXXX XXXX. I went online to the XXXX, discovered the Summons and document of my expired professional license with my attached photo online.
On XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX about the exhibit document of my expired XXXX Professional license with my attached photo displayed electronically online at the XXXX House along with the filing of their lawsuit on behalf of TD Bank XXXX, the representative spoke with the Attorney who denied that XXXX XXXX XXXX XXXX submitted my expired XXXX license to the XXXX as a document in an attempt to collect on the bad debt. The representative said, " He don't believe TD Bank XXXX or Target would do anything wrong by falsely submitting my expire XXXX license to the XXXX ''. While speaking to the representative on the phone, the XXXX XXXX tried to serve me without all of the documents that were filed with the Lawsuit because they knew they had error with submitting my XXXX expired license to the XXXX. By law, ALL Court documents are to be serve that were filed/clocked in!
I also on Friday, XX/XX/XXXX, I emailed XXXX XXXX XXXX XXXX about submitting.my expired XXXX professional license with my attached photo to the XXXX as a document violating my privacy rights.
Also, the XXXX XXXX tried to serve me without identifying who I was, he threw the documents on the ground and left. On XX/XX/XXXX, my house was a total loss due to a house fire. The house is inhabitable. I don't live at that address. I was sitting in my car in the driveway when the XXXX XXXX showed up and threw the documents on the ground not knowing or asking who I was. I was not properly served the Summons and the Summons were left on the ground.
XXXX XXXX XXXX ( XXXX ), TD Bank XXXX, XXXX XXXX XXXX XXXX falsely and deceptive place my XXXX professional license attached with my photo in the XXXX as a document for the Target credit card debt. In doing so, Target XXXX XXXX ( XXXX ), TD Bank XXXX, XXXX XXXX XXXX XXXX violated my privacy rights by electronically displaying my photo and personal information online and deceptively violated the Fair Debt Collections Act.
TD Bank, Target XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX continues its abusive practices toward consumers by not protecting personal information and deceptively violating the Fair Debt Collections Act.
XXXX XXXX XXXX XXXX filed this lawsuit and submitted the document of my expired XXXX professional license with my attached photo! As of Friday, XX/XX/XXXX, my expired XXXX license with my attached photo have been removed from the XXXX records as it was clocked in with this Summons.
On Friday, XX/XX/XXXX, XXXX and XXXX XXXX attempted to collect funds on the bad debt when they know they violated my privacy rights and violated the Fair Debt Collections Act. I also asked XXXX & XXXX not to call my cell but I continue to receive harassing phone calls constantly throughout the day.
My business was affected and suffered by XXXX. Now, I'm suffering from a house fire. The house fire was a traumatic experience, which also made me unemployed etc.
|
| 07/18/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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|
Web |
Older American, Servicemember |
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I Mobil deposited a check for XXXX on either XX/XX/XXXX or XXXX. TD Bank has a limit not to exceed XXXX in mobile deposits daily. The next day I Mobil deposited a second check for XXXX. When they appeared on my online banking App it showed under Pending 6 business day hold but no dates. That's the way it stayed until XX/XX/2023 when my available balance became XXXX. On XX/XX/XXXX, I called the bank to find out if they would release the checks early. I was told a form was submitted but there is no guarantee it will happen. Knowing I was leaving on a 2 day trip, I was checking my available balance, as was suggested to me by TD Bank. I called a total of 6 times on XX/XX/2023 checking my available balance with TD Banks customer service. I called multiple times on the XXXX as well. These calls are visible on my phone. EVERY representative told me the same thing on the XXXX and XXXX. Those checks were not in my available balance, they are still showing pending on 6 day hold. That is exactly what I was seeing, however, I wanted to be 100 % sure. Not too Ling ago I bounced some bill payments due to TD Bank taking it " At Bank Discretion m '' were the words they used, to pay ONE of my bills. They say you have XXXX XXXX to put the money in your account. The true problem was it did not show up on my online banking until the payment cleared. I had already spoken to that company and I was to make a double payment the XXXX of the month. So ... I paid the rest of my bills excluding the XXXX payment that I would make a double payment on. ( After I put money in the account ). What occurred was TD put a begative balance on my account, and when I deposited XXXX, they took it. TD Bank never advised me about the payment. I called to complain because now they put me back in the rear. To include their XXXX maintenance fee for balance going under XXXX. That is the exact reason I made so many calls to them. I knew my friend and I wete going to spend money at the casino we were staying at. I called and called. Everyone said not cleared. I looked as well. I was in the clear. NOT exactly. On Saturday, XX/XX/XXXX I checked my balance. I was told the checks were scheduled to be released on Tuesday, XX/XX/XXXX. I owe a XXXX bill, and a XXXX bill for the remainder of XXXX. I called, the gentleman from TD Banks customer service said there was a hold on my account placed by the casino. He said when the holds clear the mobey would be returned to me. I called back again to find out more about the hold. Once again, I was told those holds were by the casino. I was then told no mobey would be returning to me. I should go to my local branch and gave them explain that TD cleared those checks, and I have no money. I went to the branch on Sunday, XX/XX/XXXX. The banker sat at her desk, looked at my file and said yes, it shows casino put a hold. Then said, no one can put a hold on my account except for them. I told her everything that had happened. She called " the main office ''. She asked why was it showing the 2 checks were deposited and cleared on XX/XX/XXXX. That was a Monday. I did not deposit them on a Monday. The bank is open on Saturday and Sunday. Another problem is they will not show a continuing balance online. That would stop most of the confusion. The banker asked the main office when thec2 checks rmtruly cleared Mt account. They said they can not say, due to it defaulting to the day of the deposit. I didn't deposit them on the same day. She was typing on my account. I Dked her what she was doing. She would not answer. I asked her to put the banker she was talking to on speaker so I can gear the explanations. She did not even respond. She hung up the phone and told me the other banker said I spent all my.money. I'm furious because on XX/XX/XXXX, same day when I hot home I called and was told the checks cleared on the XXXX. A Wednesday. So why did my bank app show the same as customer service? Not cleared, not in available balance. The same thing on Friday the XXXX. The branch also told me they put the hold on my account. I demanded to kniw who made that false entry. I drove all the way back to the casino to demand answers. They said they put no hold on my account. When the branch was typing, she must have removed the hold because today, XX/XX/XXXX, the customer service supervisor said she sees no hold niw, or that one was ever in place. She did see the hold on the checks, but my statement, and the app shows a deposit and clearing of both checks on the XXXX of XXXX. All of us kniw that is impossible. My continuing balance numbers changed, but only in their records. Nothing changed in mine until the XXXX. I still didn't see the checks. It wasn't until today, did I see them deposit and straight into my account on the XXXX. That actually did not happen. So how do I know exactly what they did. We are blocked from seeing anyborebiius days on the online app. Just the current day. How do I kniw what really happened? Those checks showed on hold, then gone from the pending column, and a balance of XXXX. I can not pay my bills niw. I was told the branch manager would call today. She didn't. I called and was told she would call me back. She did not. All any of them said yesterday and today is, there was nothing they can do for me. So I'm out XXXX. Or XXXX, which is the amount they put on hold. Never advising me. But alliwed customer service tell me the casino put the hold on. I demanded in my numerous phone calls today for someone to listen to the recorded conversations to prove I'm telling the truth. I asked to speak to someone higher up. All I was told was there is no one left to talk to and get a supeona for the recordings. This is a XXXX based bank. Can they be removed from the United States, and sent back to XXXX. In the meantime how do I pay my bills. Things are going down. I can not stop it. How can a bank put entries in my account that are false? Doing thst changed all the numbers. XXXX would mist people know if they font advise their customers? Those XX/XX/XXXX entries are false. It should be the XXXX. If anything. It is all messed up now. I can not XXXX back and see it, they have changed the info in my checking. Can they do that?
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| 08/02/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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The entire {$1000.00} balance of my Target Credit card was used fraudulently and after three months I had to call in for two months straight and keep re-explaining the situation before the investigation began. All the while they continued to charge payments and fees and report negatively to the bureaus.
After two months I finally reach an investigator who flat out denies the entire claim with no reason at all and tells me I should request a different investigator because he did not want to deal with it. So I did and sent even more supporting documentation in- this no totaling : 2 police reports, FTC report, Statement of what occurred and more supporting documentation than I am sure most do. I also explained how the claim was not being taken seriously and how I have received ZERO communication, etc..
Finally, after another month of calling I get put through to the new " investigators '' voicemail where I asked her to please seriously address our concerns and let me know what I needed to provide her to prove our claim.
A week later she leaves me a voicemail at XXXX on a weeknight stating that although they understand the claims are fraudulent they are standing by the denial, and I am responsible for all fees incurred and the fraudulent charges. That was over a week ago now- she also provided a phony return phone number on her voicemail, however I was able to get her real one and have left her 5 voicemails since with no response, no letter, no nothing. I believe my complaint is best summed up in the last letter I sent to Target TWICE, that they continue to ignore : " URGENT.
TO WHOM IT MAY CONCERN - TARGET FRAUD DEPT.
OK guys, we have a huge problem here. Let me start by saying I know my rights and how you guys have gone about handling my fraud case, from day one, has been completely illegal under the Fair Credit and the Consumer Financial Protection Bureaus policies.
From sending me to collections after I submitted a fraud claim in writing by certified mail, to taking well over two billing cycles to even address the matter, continuing to report negatively to the bureaus and charge me fees and try to force me to make payments, to me receiving ZERO documentation as to the outcome or status of my claim, the way your fraud department speaks to victims.. I could go on.. but I am sure you are well aware ... It is all completely illegal and I will not allow you to continue to destroy my credit and my financial well-being.
I am a well-documented victim of identity theft, theft and fraud and have supplied all of the necessary paperwork OVER FIVE TIMES, including two police reports, a federal trade commission report, a clear and concise explanation of what and how it happened, and complied with the excessive amount of personal information requested even though you guys allowed all of your customers information to get stolen before, of which I was also a victim of.
After three months of attempting, I finally get through to an investigator who flat out states that he understands that these charges were to theft but that he was denying my claim due to lack of evidence. I provided more evidence than I am sure most do in fraud claims, furthermore not only was my target credit stolen, but my XXXX, XXXX XXXX XXXX XXXX, Etc.. and ALL those claims were investigated and found to be valid. I asked the investigator WHAT I needed to provide him with to ensure he had the satisfactory amount of evidence he desired and he refused to tell me and said nothing I could provide him would change the decision. Again, completely illegal. I even asked that he pull the store footage as a means of definitively proving the charges were fraudulent. to which he laughed and stated " we dont do that. '' The investigator went on in a tone that clearly indicated he was enjoying the cruelty of what he was doing and plain up stated that he didnt want to deal with it anymore and recommended I request a different investigator. Which is exactly what I did.
Again, through certified letter, as well as snail mail, fax and phone calls I supplied the original documents, affidavit and NEW documentation including new police report solely for the stolen target card. After two weeks of being promised someone would get in contact, an investigator leaves me a voicemail in the evening stating she too is denying the claim and that they wont be providing me with a reason as they " do not have to '' ( Also completely illegal ) and then provides a phony return phone number.
I have recorded every single phone call and have a portfolio of evidence as to the complete negligence of your fraud team to properly and as protected under law, investigate this fraud claim. The recordings and documentation overwhelming support and verify everything Im saying.
I was hit with fraud and theft on a massive family crippling scale including XXXX, XXXX XXXX XXXX federal, etc. and you are the ONLY organization refusing to properly investigate this and ATTEMPTING to deny my claim. I have not received a SINGLE shred of paperwork, nor have I been properly notified of the denial or that the appeal was taking place. You also did not update the bureaus as to the investigation OR the appeal which is again.. completely illegal.
Per the law- you need to remove the derogatory remarks from my credit reports and acknowledge that the time has passed for this investigation and restore my credit. I NEED to either hear from someone or see this has all be done by XXXX XXXX tomorrow ( Friday ) or I will be filing complaints with the Federal Trade Commission, The Consumer Financial Protection Agency, The Attorney General & State Banking Commissioner and will be turning all of the evidence of Targets complete disregard for financial law over to the proper agencies.
After reading that this is pretty much the MO from the thousands of 1-star reviews on XXXX you guys should REALLY be ashamed of yourself. After letting all of your customers identities be stolen, you really have some nerve to treat our security with such blatant disregard. I look forward to hearing from someone who has the authority to DO THE RIGHT thing ASAP.
XXXX XXXX XXXX ''
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| 04/27/2021 |
Yes |
- Checking or savings account
- Savings account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I opened a checking and savings account with TD Bank to take advantage of their promotional bonus for opening a new account and try a different bank to see if I liked them better then the one I had. I deposited the correct amount of money into a checking account and a savings account from another bank account I had. After the 140 days passed that I was supposed to receive the promotion I did not get it. I contacted them through their secure messages feature. They told me I was ineligble for the checking account because my deposit was not a direct deposit. They told me I was ineligble for the savings account bonus because I did not receive their mailer advertisement. I didn't see in the fine print anywhere that I needed to receive their mailer ad. I don't know how I would have known that. It should have been disclosed to me up front and it wasn't. I tried to resolve the situation with their phone customer service and they blew me off and said they couldn't verify my account/identity. There was no problem verifying my identity when it was time to open the account or deposit my money. Only when I tried to get them to honor their word.
I opened the account XX/XX/XXXX. Below is the exchange I had with customer service on their secure messages. It also explains some of the details of the promotion better then I did earlier because I am still upset.
" Thank you for contacting us in regard to your promotional inquiry.
First, we would like to apologize for any confusion or frustration which was caused in regard to your promotional bonus credit.
At this time, we have been informed that your TD Simple Savings account did not qualify for the promotional bonus due to ineligibility for the promotional offer at the time of your account opening.
At the time that this account was opened, the promotional offer which was being offered was our Direct Mailer promotion. Our Promotions Team has informed us that a Direct Mailer was notmailed to the account holder. If a direct mailer was mailed and the account was opened via the promotional website, the bonus credit would have been applied.
We do apologize, as since a direct mailer was not received, this account does not qualify at this time.
We do apologize for any inconvenience or confusion.
If you have more questions about this, or if there's anything else we can do for you, send us a secure message or call XXXX to speak with a Customer Service Representative '' Sent : XX/XX/XXXX XXXX XXXX Explain to me why I do not qualify for the {$200.00} bonus on the savings account. It did not say anything about direct deposit.
Thank you.
Thank you for contacting us about a promotional bonus.
The offer was available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank, open their account online via www.tdbank.com and complete the required qualifying criteria.
Here are the requirements for each bonus : Earn {$300.00} when you : -Open a TD Beyond Checking Account -Receive at least {$2500.00} in qualifying direct deposit funds within the first 90 days of account opening.
Earn {$200.00} when you : -Open a TD Preferred Savings, TD Simple Savings or TD Money Market Account. ( IRA 's and CD 's are excluded ) -Fund the account with {$20000.00} or more with new money within the first 20 days of account opening -Maintain a minimum daily balance of {$20000.00} for at least 90 days from the date the deposit requirement is met Qualifying direct deposits are recurring electronic deposits of your paycheck, pension or government benefits ( such as Social Security ) from your Employer or the Government. Person-to-Person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Payment received for goods sold do not qualify.
This information was reflected prior to selecting the type of account.
Upon review, we see the opening bonuses for these accounts were person to person payments from XXXX XXXX.
These deposits do not qualify as direct deposits as mentioned above.
As a result, this account would not be eligible for the promotional bonus.
We apologize for any inconvenience.
If you have more questions about this, or if there's anything else we can do for you, send us a secure message or call XXXX to speak with a Customer Service Representative, 24 hours a day, 7 days a week.
Sent : XX/XX/XXXX XXXX XXXX I have met these requirements. So I ask again, when will the promotion be credited to my account?
Thank you.
-- -- -- -- -- -- -- -- Thank you for contacting us about a recent incentive offer.
We appreciate the time you have taken out of your day to reach out to us.
Account ( s ) must remain open, active, in good standing and in the same product type until payout to receive the bonus This offer is only available to new to Personal Checking and Savings Customers who open an account online through the qualifying promotional websites.
If the account is not opened through the qualifying promotional website the account is not eligible for the offer.
Opening an account through td.com does not qualify. New to Checking and Savings is defined has having no current or prior checking, savings or money market account relationship within the preceding 12 months.
You can earn up to {$500.00} with a combination of the below offers : Open a TD Beyond Checking account and earn {$300.00} when they receive direct deposits totaling {$2500.00} or more within 60 days of account opening OR Open a TD Convenience Checking account and earn {$150.00} when they receive direct deposits totaling {$500.00} or more within 60 days of account opening, AND/OR Open a TD Beyond or Simple Savings account and earn {$200.00} when you deposit {$20000.00} or more in new money within 20 days and maintain a balance of at least {$20000.00} for 90 days Once the account has been opened and the offer criteria have been met, the bonus will be credited to the new personal checking and/or savings account no later than 140 days from account opening.
Checking and savings accounts may be paid at different times.
|
| 05/21/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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My account was compromised in XX/XX/XXXX. I filed a dispute and the bank found it in my favor. It took until XX/XX/XXXX to get all of the money back into my account. Once I got the money in my account I decided to close my account because this was the 3rd time my account was compromised with them. I had another checking account at another bank so I decided to transfer the money there. I went into the local TD Bank branch to close out my account and upon closing it out the teller handed me much more money than I anticipated having in my account. I told her that there must have been some kind of mistake because this is more money than I had in my account. She looked at the computer and told me that was how much was in my account. I told her that something was wrong. She called over a manager and the manager looked at it and confirmed that this was the correct amount in my account and if I wanted to close the account I would have to take it all, otherwise there would be money left in the account and it would not be able to close. I hesitantly took it all and left. When I got home I called the TD Bank customer service XXXX number and spoke to a gentleman ( I forgot his name. ) I told him what had happened, and asked him to please look at my account and see if she gave me too much money. He had told me everything looked good. I held onto it for about 3 months, just in case they asked to have it back. When XX/XX/XXXX came around and I didn't hear from anyone from the bank I figured I was mistaken, the bank was right and the amount of money given to me was indeed correct. I decided that after 3 months it was long enough for time to pass for them to retrieve it, so I spent it on things I needed. In XX/XX/XXXX I received an email statement from TD Bank letting me know my statement was available to view. In seeing this, I was confused because I had closed my account in XX/XX/XXXX. There should not be a statement. I downloaded the TD Bank app and to my surprise my old username and password was still active. When I logged in, I noticed that I had a - {$690.00} dollar balance. ( Give or take. ) I called the XXXX number and was advised that they showed someone who worked at the local branch had opened my account back up and were unsure why because no one notated my account. I went into the branch and was told that they reversed the money given to me because they gave me more than what I was owed. I told her that when I was standing in front of her she told me that was how much I had in my account and I couldn't close my account without taking it all. So I was technically forced in taking the money. She said she was sorry but I could come in and make payments on it if I didn't have enough to pay at once. At this point I was very angry and left. I came back and made a XXXX dollar payment on it because I didn't want it to go to collections. I am in the process of buying a house and I didn't want this affecting my credit. I explained that I can't keep leaving work or wasting my lunch break to make payments in the branch. She told me I can call the Recovery Department and make a payment with them. I called the Recovery Department on XX/XX/XXXX and spoke to XXXX - Agent ID # XXXX, he told me I couldn't make a payment with him because he doesn't take credit cards over the phone and I lost my temper and happened to swear. He then proceeded to lecture me on why I shouldn't swear and that he doesn't appreciate my attitude, and after after about a minute of him lecturing me and cutting me off, I hung up. I called back and spoke to XXXX - Agent ID # XXXX. She was very nice and explained that she couldn't take a payment over the phone if she wanted to because the account was still active. She told me if I couldn't pay the full balance that day they would send it to collections. She told me I would have to call the local bank branch and make arrangements with them. I then called the local branch and spoke to one of the managers, XXXX, who has always been less than kind with me. I explained what I was told and how I would have this balance go to collections if it wasn't paid off today and told her how it was the banks fault and not my own. I told her I was in the process of buying a house and that I do not want this on my credit, and that was why I was trying to make payments to keep it from affecting my credit. She very rudely and coldly told me that whether I make payments or pay the full balance it's still going to affect my credit. At that point I was so angry I told her to just send it to collections and that I'd fight it. She said in a very fake tone " Okay, thanks for calling ... '' And then hung up on me. The next day, Saturday XX/XX/XXXX, a supervisor called me back and was unable to help, I told her I wanted someone from corporate to call me. She told me she would have a supervisor call me from the corporate office. On XX/XX/XXXX I called and spoke to XXXX - Agent ID # XXXX, after no one called me, and I told her that I wanted someone from corporate to call me. She told me that she can't do that and that I would need to go into the branch and talk to them in person as she can't do anything with my account over the phone. I told her that I would not be going back into the local branch and I hung up.
At this point I feel that I don't owe anything else to TD Bank, after all the many months of hassles I've been put through, the heightened anxiety and stress about how my credit being affected due to the lack of attention at the local bank branch, being told by a customer service supervisor ( XXXX ) that I clearly do not appreciate what TD Bank does for me, the many other agents who I have spoken to over the course of multiple months ( I do not have their names, ) being laughed at, hung up on, refused to be connected to supervisors or corporate ... I feel that I do not owe anything else to TD Bank. I would like for TD bank to remove this debt and negative reporting from my credit report, and I promise I will never set foot in their establishment again. I also have documents showing that I had a XXXX balance upon closing my account on XX/XX/XXXX.
|
| 11/23/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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As a federally Protected Consumer I am now opting out of any and all authorization I the consumer signed, agreed to, verbal, nonverbal and written.
per 15 USC 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( XXXX ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( XXXX ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( XXXX ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( XXXX ) with the consent or at the direction of the consumer ; ( XXXX ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( XXXX ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( XXXX ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( XXXX ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
|
| 09/21/2023 |
Yes |
- Credit card
- Store credit card
|
- Problem when making payments
- Problem during payment process
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Web |
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XX/XX/XXXX I changed my autopay bank account number online with Target Credit Card. My autopay is set to pay the balance in full each month ; and the due date is on the XXXX of each month for the previous months balance. My XXXX statement had a balance due of {$11.00}. After submitting my new bank account number, I received a confirmation on my online account stated the following : This message was generated to notify you that the event Add/Update Payment Account occurred on your account XX/XX/XXXX I received an email informing me that my XXXX balance for {$11.00} was returned unpaid XX/XX/XXXX I telephoned Target Customer Service to find out why it happened since I had sufficient funds in my account to pay for that. I told the rep that my account is set up for autopay and I paid the balance in full each month. However, I changed my bank account number online on XXXX, maybe Target didnt get it set up yet. He told me not to worry, just pay a {$1.00} late fee and XXXX take care of the rest. Even though it was unreasonable to be charged a late fee but I accepted to pay {$12.00} to settle the account.
XX/XX/XXXX After talking with the rep, I went back to my Target account online to make sure that my new bank account number had been updated ; and it was.
XX/XX/XXXX I received another email from Target stating again that my payment was returned and my account was past due. I was confused as I paid off the balance off on XX/XX/XXXX and did not make anymore purchases since. Targets May statement showed a previous balance of {$11.00} plus Fees charge of {$13.00} total balance due of {$23.00}. So I checked my bank account and realized that Target did not withdraw the {$11.00} from my account on due date, neither did the rep took care of the payment.
XX/XX/XXXX I telephoned Target again and talked with XXXX, transferred to the supervisor, XXXX. I explained again that I changed my bank account number on XXXX and my account was set up to pay balance in full each month. I really should not have any past due balance or late charges as I had sufficient funds in my account. However, supervisor XXXX was rude and would not listen to reason, insisted that my payment was returned by my bank unpaid therefore, I must pay the {$23.00}. I told her that I wanted to dispute that charge. XXXX told me I needed to submit a letter to Target Head Quarter in XXXX to file my dispute.
XX/XX/XXXX I sent a letter to Target Credit Services informing them that I change my autopay bank account info and had sufficient funds in my account to pay the balance of $ XXXX XX/XX/XXXX. However, I kept getting letters telling me my payment was returned and kept charging me fees/charges that doubled the amount due.
XX/XX/XXXX I received a letter from Target that was forwarded to me by the resident at my old address even though on my current address has been listed for years. I did not keep that letter from Target declining my dispute.
XX/XX/XXXX Received XXXX XXXX from Target, the amount due doubled again to {$48.00} ( {$23.00} plus {$24.00} fees charges ) XX/XX/XXXX Telephoned Target to dispute the charges. Talked to XXXX XXXX, XXXX, XXXX, then finally transferred to supervisor XXXX. I explained everything again from the XXXX statement of {$11.00} that got returned unpaid when I had more than enough to cover that in my account. She took the time to check and found that Target continued to draw funds from my closed account that was why the payments were returned. I told her, my old account was closed but I updated my autopay account on XXXX with a new account number. XXXX needed me to get my bank, XXXX, to write a letter to Target to verify that my account was active on XX/XX/XXXX and my account had sufficient funds to pay {$11.00} and the account remains active. I contacted XXXX to request the letter stating the above. XXXX responded that they do not write such a letter but using my bank statements should suffice their purposes.
XX/XX/XXXX I wrote a letter to Target informing them that XXXX would not write the letter. I submitted my XXXX XXXX statement, showing my account was active and had sufficient funds to pay the {$11.00} on XX/XX/XXXX.
XX/XX/XXXX Target sent another letter declining my dispute stating : You documentation we received from you on XX/XX/XXXX was not sufficient and did not indicate a letter from your banking institution stating that your checking account was open and active, and had enough funds to cover the payment in the amount of {$11.00}.
The XXXX XXXX period XX/XX/XXXX - XX/XX/XXXX had a beginning balance of XXXX, ending balance of {$1500.00}. On XX/XX/XXXX, the balance was {$3400.00}, XX/XX/XXXX the balance was {$3300.00},, XX/XX/XXXX, the balance was {$3300.00}. Any reasonable person looking at that statement would know that the account was open and active and there was enough funds to pay the amount of {$11.00}. But that was not good enough for Target!
XX/XX/XXXX Telephoned Target again, first XXXX then transferred to supervisor XXXX. I requested XXXX to join in on a conference call with XXXX so that she can verified information concerning my account being open, active and had sufficient funds on XX/XX/XXXX to pay the {$11.00}. After XXXX personally got all the info from XXXX, I asked her to please be sure to note the conversation so that there is a record on file. That same afternoon, I received a voice message from another supervisor by the name of XXXX. The following is the phone transcription Hi this message is for XXXX this is XXXX a supervisor at target cards service and dispute just wanted to follow up on your payment disputes and advised that they are closed you will be receiving a letter in the mail if you have any further questions feel free to give us a call back at XXXX thank you and have a nice day It was not clear what she meant by my payment disputes are closed. So I called her back but could not reach her. I left a message for her to call me back to clarify what she meant by my disputes are closed. I didnt get a call back so I called her again, left another message but again no response.
|
| 07/24/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am writing to dispute and report Targets willful obstruction of process in resolving a fraudulently opened credit card along with charges on the fraudulent account in the amount of {$370.00}.
I want to be clear, I am a victim of identity theft, and I did not open the fraudulent account, NOR did I make or authorize any subsequent charges.
I have been in contact with Target and have been attempting to resolve this issue for 2 years with little to no cooperation on their behalf. As a result of their willful neglect, my credit score has suffered dramatically, I have wasted over 20+ hours in fruitless conversation with them, and have financially and personally suffered due to their corporate malpractice.
The following is a timeline of events : In XX/XX/XXXX, I discovered a fraudulent purchase linked to a previously unknown credit card opened in my name. I attempted to rectify this fraudulent activity by contacting the credit card company that oversaw the credit card account. Please note that in the initial report on file with Target, they failed to find an address on file OR phone number related to me, indicating fraud. In a conversation with Target in XX/XX/XXXX, I was told by the company that they deemed the behavior on my account to be fraud, and were willing to remove the charges and close the account. In that time, I paid the company XXXX dollars that they 'needed ' from me to perform this action. At this time, they documented in their internal notes that the account was closed due to 'unsatisfactory service ' when in reality I called to report fraud and only fraud.
Subsequent to our conversation, they failed to close the account, despite previously noting that activity on the account was fraudulent linked to me.
Months later, upon seeing their failure to close the account and resolve the dispute ( a fact I only became aware of due to a decline in my credit score ) I filed a claim with the company. Despite their policy stating that I would be notified of their decision, the claim was ultimately denied and I was never notified. I was also not provided a reason for the claim denial.
However, after seeing my credit score decline, yet again, due to a Target card charge, I reached out to them in XX/XX/XXXX requesting an audit form. The agent on the line notified me toward the end of the call that the form had been sent, when in reality nothing was ever delivered to my home or email.
Instead, in mid-XXXX, I was delivered a letter informing me that the disputed charges had not been removed, but in fact, sent to a debt collection agency. They had passed this information to debt collection, without my knowledge, on XX/XX/XXXX.
Upon receiving this news, I contacted target and was repeatedly hung up on and/or sent to a dead phone line rendering me incapable of contesting the reported charges. After calling into Target for a completely unrelated issue ( with hopes of being forwarded to the right department ), I got an agent on the line who refused to provide me with documentation related to fraudulent charges or generally respond to my questions about the account. They forwarded me to a phone line in their fraud division, where the call was eventually dropped.
Since then, I have called target over 30 times attempting to get better information about the account and/or process, and in each instance I was told grossly inconsistent stories about the process being undertaken - often citing antiquated notes or failing to review the full history and subsequently providing me false information about next steps. On XX/XX/XXXX, I was finally emailed an audit form despite multiple requests for one in the past. This was only done while I requested that the agent remained on the line with me to confirm its arrival to my inbox. It took her 3 attempts.
I submitted my audit form on XX/XX/XXXX over Fax and called to get a sense for the amount of time it will take for a resolution. They told me 2 days.
I called them on XX/XX/XXXX looking for an update, and was told that an action has been taken on the account but that they will not tell me the outcome. Phone operators have also refused to provide me their full name and the name of the auditor conducting their investigation.
I filed with the FTC this morning, and now I am now writing to you.
In all of my conversations with Target, I was illegally denied/obstructed from access to the following documents : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses Names /point of contact / any resources related to dispute Any other documents associated with the account It is worth noting that some of these charges were made in-store, and should have physical evidence associated with them ( e.g. XXXX footage ), but given the amount of time they have allowed to pass since the initial contact, it is likely this evidence information has been destroyed.
I have spent 2 years battling with them for minimal compliance by the CFPB guidelines, made over ( 50+ ) calls to resolve this issue, and have submitted absolutely every shred of documentation or evidence to exonerate myself that they requested with little-to-no response from them.
My 5 voicemails left with the agent responsible for initially reviewing ( and denying my account ) were left unanswered, not a single person provided me with a full name or credible contact. The amount of times I was 'dropped ' or forwarded to a dead phone line is unreasonably high. Based on this repeat pattern of evasion, I have reason to believe that they are purposefully withholding information necessary to exonerate me of these fraudulent charges.
I feel taken advantage of, and given their size and bureaucracy, powerless to remedy the situation. Because of their actions, I am now prohibited from the financial and personal choices that are rightfully available to me, solely due to their impropriety, which has directly impacted my credit score. I am desperately seeking your help.
|
| 11/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Auto Loan completed paid off XX/XX/XXXX- confirmed by TD Auto Finance ( this is not disputed by TD Auto. They agree and have confirmed ) Lean Release reportedly mailed by TD Auto Finance on XX/XX/XXXX. This has never been received. Was not looking for it, not concerned because I still had the car Wanted to obtain Title to sell the car on XX/XX/XXXX. Called TD Auto and was told the document had been mailed in XXXX. Entered a request on XX/XX/XXXX for TD to re-send the Lean Release. This is confirmed by TD Auto Finance and not disputed.
XX/XX/XXXX I still had not received the Lean Release. I called and was told that the Lean Release was mailed on XX/XX/XXXX and that I should wait XXXX more days XX/XX/XXXX through XX/XX/XXXX- I have called almost every day to report that I still have not received the document and asking for help.
Called XX/XX/XXXX and talked to XXXX. XXXX agreed that it had been too long and said that she was creating an Escalation request to expedite and that it should be mailed in XXXX days.
Called 3 times on XXXX XXXX. XXXX ) First talked to XXXX ( different person ) was told that no Escalation was entered but that she would escalate. Was told they could overnight if I had a Fedex number. Advised me to get a XXXX number and call back. Said that she would note in the Escalation that I would be calling back that day with a Fedex number. Got on XXXX website and created an account. XXXX ) Called back and talked to XXXX. XXXX told me there was no escalation process that he was aware of, and that TD Auto could not XXXX. I asked to talk to XXXX and he said he didn't know who XXXX was. I asked if he could look at her note about the Escalation and get her name. He told me there was not record of XXXX creating an Escalation. When I pressed him to transfer me to her, he hung up on me. XXXX ). I called back and talked to XXXX. XXXX was extremely helpful. He told me that there was no Escalation in the system but that he was entering the Escalation. He put me on hold for XXXX minutes and came back telling me he had approval for the Escalation and to have the Lean Release overnighted. I gave him my XXXX number. He was extremely confident and told me that the document would be mailed " Monday ( XXXX XXXX ) or Tuesday at the absolute latest ''. He told me to call on Monday and they would be updating the status.
Monday, XX/XX/XXXX - Called again to check status. I was told there was no update to the status but that it would likely go out end of day. Did not right down the persons name but she assured me that the escalation was being processed, and advised that I call back on Tuesday.
Tuesday, XX/XX/XXXX- Called to check status in hopes that the document was mailed. The person was at first unaware of the Escalation, stating that the document was mailed on XX/XX/XXXX. When I pressed and told her about the conversation with XXXX and the call the day before, she told me that " Supervisers come into the office on Tuesdays and handle the Escalations ''. She assured me that the Lean Release would go out Tuesday end of day and that I should call back Wednesday ( XXXX XXXX ) she was sure they would be able to confirm the document was mailed.
Wednesday XX/XX/XXXX - Called 3 times. XXXX ) Individual that I talked to said there as no record of my request. That the document had been mailed on XX/XX/XXXX. I pressed and pressed, asking about XXXX and XXXX and the Escalation they had entered. No record of it, but she would take care of it now. I said no, I want to know what happened to the Escalation but in by XXXX on XXXX XXXX. No record of any of it. No Fedex number, no escalation no record of conversation with XXXX or XXXX. I asked to talked to a supervisor. She put me on hold and came back and said " I talked to the supervisor and we have entered the escalation in the system ''. I said I've been told that multiple times, what happened to the Escalation entered last week that was supposed to result in the document being mailed yesterday. No answer. She told me this was a XXXX issue and that I should call XXXX. Wow. I said you call them and see where that gets you. It's ridiculous. I continued to pressed multiple times until she finally transferred me to XXXX ( same XXXX as before? ... I assume so but there was no recollection of our prior conversations... hmmm ). XXXX said they had entered the Escalated request. blah blah blah. None of which I believe. I pressed about what happened to the prior escalations. Told her I didn't believe anything I heard from them. I'm getting the same story. She ultimately just flat out Hung Up on me. Yes. Hung up on me.
I called back and asked the status. Was told it was being escalated ( yea... I've heard that before ) so I asked to talk to a supervisor. After pressing multiple times, I was finally forwarded to XXXX. XXXX told me that she was approving an escalated request and to have the document overnighted. So this is at least the XXXX person since XX/XX/XXXX who told me this was escalated, and yet every time I call there is no record of an escalation. I pleaded with XXXX. I asked her to let me drive the XXXX hours and pick it up. I asked her to get XXXX on the phone and find out what happened. I don't believe XXXX lied to me, so what happened? No matter what I requested, her answer was always we have entered the Escalation and that I should wait XXXX days for processing. I said I've already waited XXXX days and been told the same thing XXXX or more times. It's always XXXX days. What happens when I call in 3 days, 4 days and 5 days and there is no record of the escalation. She assured me that it would be overnighted and she gave me her full name name and extension.
Will I get the document? I'm very doubtful. Will I ever be able to talk to XXXX, or XXXX, or XXXX or XXXX XXXX I'm even more doubtful. It's reported been escalated by XXXX people on XXXX occasions, but there is never any record of the escalation when I call back. I don't know what to do next. I'm going to wait 3 days..for the XXXX time since XX/XX/XXXX.
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| 06/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account status incorrect
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Web |
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I CONTACTED TD BANK BACK IN XXXX OF 2022 REGARDING A CHARGE ON MY CREDIT CARD FROM XXXX THAT I DID NOT MAKE NOR AUTHORIZE. I WAS ADVISED BY TD BANK THAT I WAS NOT RESPONSIBLE FOR THE CHARGE OR ANY FINANCE CHARGES RELATED TO THE AMOUNT IN QUESTION OF {$34.00}. THERE WAS NO OTHER BALANCE ON MY ACCOUNT PRIOR TO OR AFTER THIS CHARGE POSTED TO MY ACCOUNT THAT I DID NOT MAKE & I WAS ADVISED BY 2 SEPARATE AGENTS THAT I WAS NOT RESPONSIBLE FOR MAKING A PAYMENT NOR ANY INTEREST/LATE FEES REGARDING THIS AMOUNT. THE CHARGE WAS EVENTUALLY DEEMED AS FRAUDULENT BY TD BANK AND REMOVED FROM MY ACCOUNT. ( I HAVE ATTACHED DOCUMENTATION I RECEIVED FROM TD BANK STATING AS SUCH ). HOWEVER, AS OF THE DATE OF THIS COMPLAINT, THEY HAVE SENT ME VARIOUS CORRESPONDENCE THAT IS CONFLICTING AS WELL AS MISLEADING AND NOONE WITHIN THEIR COMPANY SEEMS TO KNOW WHAT THE HECK THEY ARE DOING OR HOW TO DO THEIR JOB IN ORDER TO REMOVE THIS NEGATIVE REMARK FROM REPORTING!!
HOWEVER, AS I ATTEMPTED TO MAKE A MAJOR PURCHASE, I REALIZED MY CREDIT SCORE HAD DROPPED AS TD BANK HAD REPORTED THE ACCOUNT AS " NEGATIVE '' DURING THE MONTH IN WHICH THIS AMOUNT WAS DEEMED AS FRAUDULENT!
I IMMEDIATELY REACHED OUT TO TD BANK AND AFTER NUMEROUS BACK & FORTH COMMUNICATION WITH THEIR CREDIT DEPARTMENT, I WAS EVENTUALLY PUT IN CONTACT WITH THEIR CREDIT DISPUTES DEPT. I ALERTED THEM THAT THIS CHARGE WAS BEING REPORTED AS NEGATIVE ON MY CREDIT REPORT! I ALSO ADVISED THEM, TIME IS OF THE ESSENCE, IN GETTING THIS RESOLVED AS I WAS ATTEMPTING TO MAKE A MAJOR PURCHASE & THIS NEGATIVE REMARK THAT WAS REFLECTING INCORRECTLY ON MY CREDIT REPORT WAS AFFECTING MY CREDIT SCORE WHICH WOULD GIVE ME A LOWER INTEREST RATE THEN WHAT I SHOULD QUALIFY FOR! ( I HAD NO OTHER NEGATIVE OR DEROGATORY INFORMATION ON MY REPORT OTHER THAN THIS ).
I WAS ASSURED THIS MATTER WOULD BE LOOKED INTO AND HANDLED WITHIN 30 DAYS OF WHICH IS HAS NOT BEEN!! AFTER NUMEROUS CALLS AND EMAILS I WAS FINALLY PUT IN CONTACT WITH VARIOUS AGENTS THAT CLAIMED THEY COULD HELP ME & WOULD GET THIS ISSUE RESOLVED! WHICH IT HAS NOT BEEN AS OF THE DATE OF THIS COMPLAINT!
I HAVE SINCE BEEN PUT IN CONTACT WITH, XXXX XXXX IN THE TD BANK, CUSTOMER CARES/US FRAUD MGMT DEPT XXXX ( AFTER REACHING OUT ON SOCIAL MEDIA BECAUSE THIS MATTER STILL HAS NOT BEEN RESOLVED IN THE TIME I WAS ADVISED!! XXXX AND I HAVE SPOKE NUMEROUS TIMES AND SHE APOLOGIZED THAT THIS HAS TAKEN SO LONG TO UPDATE MY REPORT BUT SHE ASSURED ME IT WOULD BE TAKEN CARE OF! SHE THEN EMAILED ME THE LETTER THAT SHE SAID I COULD USE TO VERIFY THAT TD BANK HAD REPORTED MY ACCOUNT AS NEGATIVE IN ERROR & THAT THEY WOULD UPDATE MY CREDIT REPORT TO SHOW NO NEGATIVES AS WELL AS CONTACT THE MAJOR CREDIT REPORTING AGENCIES TO REMOVE THE DELINQUENCIES!
AND AGAIN, ALMOST 4 MONTHS LATER, MY REPORTS HAVE STILL NOT BEEN UPDATED & I AM FURIOUS! I HAD REACHED OUT AGAIN TO XXXX AND SHE HAD EVEN SENT ME ANOTHER LETTER, WITH AN UPDATED DATE ON IT IN ORDER TO SHOW THAT THIS NEGATIVE REMARK IS TOO BE REMOVED FROM MY ACCT! I I HAD TO REACH OUT TO XXXX @ TD BANK ( XXXX CONTACT INFO IS LISTED ON THE CORRESPONDENCE DOCUMENTATION SHE SENT ME VERIFYING TD BANK MADE AN ERROR AND WAS REMOVING THE NEGATIVE 30 DAY REMARK ). BUT ONCE AGAIN BECAUSE I HAD DISCOVERED THAT THE INFORMATION FURNISHED DID NOT INCLUDE THE CORRECT ACCOUNT NUMBER! SO AFTER I DID MY OWN INVESTIGATION, I FOUND OUT THAT THE ACCT # ON THE 1ST 2 LETTERS I RECEIVED WAS THE NEW ACCOUNT #. WHEN THE OLD ACCT # ( THE ACCT IN WHICH THE FRAUDULENT CHARGE OCCURRED ON & WAS THE ACCT # IN QUESTION WAS NEVER UPDATED ) AND THEIR WAS 2 SEPARATE ACCOUNT # XXXX WHICH TO THIS DAY, NOBODY AT TD BANK CAN EXPLAIN TO ME WHAT HAPPENED AD WHY THE CARD THAT HAD THE FRAUDULENT CHARGE ON IT WAS NEVER CLOSED AS I HAD REQUESTED IT TO BE!! BUT WHY AM I HAVING TO FIGURE ALL THIS OUT MYSELF WHEN I DO NOT WORK FOR EITHER TD BANK OR THE CREDIT BUREAUS!! THIS SHOULD HAVE BEEN FIGURED OUT BY AN EMPLOYEE THAT IS PAID BY THESE COMPANIES NOT THE CONSUMER, ME, IN THIS CASE!!!!
I HAVE DISPUTED THIS NEGATIVE REMARK NOW 3 TIMES IN THE LAST 3 MONTHS & IT STILL HAS YET TO BE UPDATED AND REMOVED FROM MY REPORT!!! I REACHED BACK OUT TO TD BANK ONCE I RECEIVED THE " UPDATED '' REPORT STILL REFLECTING THE NEGATIVE 30 DAY MARK! AND XXXX ONCE AGAIN SENT ME ANOTHER LETTER ADVISING THAT TD BANK " INCORRECTLY REPORTED MY ACCOUNT AS 30 DAYS LATE & THAT THIS LATE MARK WAS TO BE REMOVED!
HOWEVER ONCE AGAIN, THE DISPUTE I FILED WITH THE CREDIT BUREAUS IS STILL NOT REFLECTING THE 30 DAY LATE REMARK IS TOO REMOVED AND THE CREDIT BUREAUS ARE CLAIMING THE REMARK IS ACCURATE WHEN IT IS CLEARLY NOT!!!!!
AT THIS POINT SINCE IT HAS BEEN OVER 30 DAYS AND MY CREDIT REPORTS ARE STILL REFLECTING THE NEGATIVE 30 DAY LATE REMARK, I BELIEVE THAT MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT, HAVE BEEN VIOLATED IN THE FACT A NEGATIVE REMARK THAT HAS BEEN VERIFIED TO BE REMOVED FROM THE COMPANY THAT REPORTED IT STILL HAS NOT BEEN DONE!
MY CREDIT SCORE AS WELL AS MY FINANCIAL WELL BEING IS & HAS BEEN SEVERELY AFFECTED BY THIS MISTAKE/ERROR I REPORTING! I HAVE BEEN DENIED CREDIT, HAD ANOTHER CREDIT ACCOUNT CLOSED & I SUFFERED AN INTEREST RATE INCREASE, ALL BECAUSE MY CREDIT REPORT IS REFLECTING AN ERROR IN REPORTING A 30 DAY NEGATIVE LATE REMARK FROM TD BANK THAT SHOULD NOT BE THERE!!!!
IF THIS IS NOT RESOLVED IN THE TIME FRAME ALLOWED BY LAW, AS I HAVE PREVIOUSLY STATED, " TIME IS OF THE ESSENCE '' IN GETTING THIS REMARK REMOVED FROM MY CREDIT REPORTS & TO BE REFLECTED ACCURATELY, I AM PREPARED TO SEEK DAMAGES IN A COURT OF LAW IN ORDER TO BE COMPENSATED FOR THE FINANCIAL LOSS I HAVE INCURRED DUE TO MY CREDIT SCORE NOT REFLECTING ACCURATELY DUE TO A 30 DAY LATE THAT HAS/IS BEING STILL REPORTED ON MY CREDIT BUREAUS IN ERROR!!
THIS ENTIRE SITUATION HAS LED TO MONTHS OF DEALING WITH A XXXX, XXXX XXXX & XXXX, ALL RELATED TO AN ISSUE THAT WAS NOT MY FAULT, OF WHICH I WAS ASSURED ON MULTIPLE OCCASIONS BY DIFFERENT AGENTS WITHIN TD BANK, THAT THIS WOULD BE RESOLVED IN A TIMELY MANNER BUT HAS BEEN EVERYTHING BUT!!!!
|
| 01/07/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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Please be advised this is the 3rd complaint about the same issue I am submitting against TD Bank. TDbank provides customers with fraudulent statements when submitting disputes. I submitted a dispute for a partial amount in XXXX because I was told by a representative that i can not submit a dispute for a partial amount. I provided information timely twice to TD that proved my claim against XXXX to be true. XXXX owed me a balance of XXXX out of XXXX but TD dispute employee advised me that disputes can only be made for the full transaction amount and the remainder must be worked out with the merchant. I provided documentation showing i was due a refund and also showing that it had not been provided. on XX/XX/XXXX I spoke with XXXX XXXX who advised that TD bank can submit partial disputes and that even though the dispute agent i worked with provided me with inaccurate information I will only be provided the XXXX although TD made me dispute the full transaction amount of XXXX. I believe that TDbank is committing fraud against me. The credit of XXXX was also not put into the account which my claim was even drawn on. The inaccurate credit of XXXX went into my savings account which was also closed because i withdrew all my funds from this bank due to their fraudulent practices. I have spoken to Branches, Customer Service, and the recovery department and this level of corporate fraud TD is commmitting is disgusting. I want my account appropriately credited ASAP! Please see my original claim information below along with all the updates since i began this horrible experience with TD.
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX NY XXXX This letter is in response to an explanation request for the above subject ID. XX/XX/XXXX I submitted prepayment in the amount of XXXX to XXXX for a reservation that would begin on XX/XX/XXXX and end on XX/XX/XXXX. I picked the vehicle up on XX/XX/XXXX and ended my rental session on XX/XX/XXXX as scheduled. During my trip, I experienced 3 major trip interruptions due to the rental cars not having proper maintenance and had to switch vehicles 3 times within the 10-day timeframe. XXXX representatives told me each time that I would not be charged for having to exchange the cars since XXXX was at fault each time. On XX/XX/XXXX, after returning my rental car, I checked my account. I noticed that I was charged an additional fee immediately after returning the vehicle. This fee was applied to a XXXXdollar auth amount that XXXX placed on my debit card on XX/XX/XXXX when I picked the first car up. I reached out to the XXXX customer service center on XX/XX/XXXX to inquire about the additional charges. I was advised that an extra charge was accidentally applied when I exchanged the third vehicle, I demanded it be removed and was told that only a manager could remove it. I was put on hold for 30 minutes and eventually was told that a manager was not available, and one would call me back within 24-48 business hours. I called a second time on XX/XX/XXXX and immediately requested a manager due to dissatisfaction with the result from the first call. I was again put on hold until the exact time the manager call queue closed and was told that all managers are now off and not available. On XX/XX/XXXX, I called XXXX customer service again and requested to speak with a billing manager and was connected to a manager by the name of XXXX. I talked to XXXX and explained the issues I experienced during my 10-day rental and the experience I had with XXXX customer service agents on XX/XX/XXXX. I explained my disgust with the lack of proper vehicle maintenance and the distaste for XXXX agents ' lack of professionalism. I was met with an immediate apology by XXXX and was advised the charge to the authorization fee was accidentally applied and would be refunded. The Auth charges were all removed later that week when I called into TD Bank and asked for an Auth removal.I also requested that I be given a refund of 2 rental days, which equated to XXXX due to the badexperience I had with the vehicles and having to lose time going back and forth to XXXX locations. XXXX agreed that I was due an additional refund of XXXX out of the XXXX that I had prepaid on XX/XX/XXXX. XXXX advised me that it would be 3-5 business days from XX/XX/XXXX to see the XXXX refunded back into my account. I received in the mail on XX/XX/XXXX a bill from XXXX in the amount of XXXX and was immediately outraged because it appeared that a billing error occurred on XXXX end, and I was being asked to pay what should have been my refund. I called and spoke to an XXXX representative and was advised that there was no indication that I should have received a bill in the XXXX system. The XXXX representative told me that my refund of XXXX was processed and sent back to my bank on XX/XX/XXXX, I asked the representative to provide me with the last 4 digits of the card that the refund was posted to. The agent provided me with the last 4 digits to a card that I have never been associated with. I advised the agent that the last 4 numbers provided from him were not a card I own nor am associated with in any way, the agent advised that he could not assist anymore and would have to get a manager. I waited for 45 minutes to speak with another XXXX manager and was informed that someone would call me back in 24-48 hours, advised the agent I would be making a claim with my bank.
I spoke to XXXX Customer service again on XX/XX/XXXX and XXXX acknowledged their error. I was told to call back on Monday XX/XX/XXXX to have a supervisor fix the error. I called on XX/XX/XXXX and XX/XX/XXXX and was told twice that supervisors were not able to fix the issue because they could not manually input my card into their system. I was advised that the manager who originally promised the credit processed it wrong. XXXX has advised that there is nothing they can do on their end at this point because their system doesnt allow them to refund back to a card that the system has kicked out. Please see attached email from XXXX.
|
| 07/10/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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I am a NJ consumer filing a formal complaint against XXXX XXXX for abusive and harassing calling practices, unnecessary skip tracing, third party disclosure about a debt and deceptive collection tactics.
Parties involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Debt Collector name = XXXX XXXX XXXX. XXXX Collection Manager name = XXXX XXXX Original Creditor name = TD Bank Credit Card - XXXX An account was placed with their office on XX/XX/18 with two good phone numbers, a cell phone number and a work number. Since placement, this agency has called both numbers repeatedly several times in a single day, multiple times a week using both an auto-dialer and manual calling efforts. The voicemail clearly identifies my full name so they know they have good location information. Additionally, they call my wife at her place of business on an out of state number. I have call logs, voicemails, cell phone screenshots, and a recorded call to prove these harassing call practices have been taking place and support the validity of this complaint.
Today, Monday XX/XX/XXXX at XXXX the debt collector assigned to my account, XXXX XXXX reached me on my cell phone as I was driving and I hung up. At XXXX he called my cell phone again and I did not answer. He then called my work number at XXXX and again at XXXX according to my caller id.
At XXXX he called a relative with the same name ( my father ) on his home landline number which is listed to a different address. He knew I could not be reached at this number and identified his company name and insinuated the call was about a debt. He did not ask for my contact information, but did say it was " Very Important that I contact him '' and he asked my father to get a hold of me to have me call him back. Out of concern for his son, my father called me right away. My father has a XXXX XXXX and was previously unaware that I had any financial hardship or past due bills. This message that was left with him caused unnecessary/undue stress on him. XXXX XXXX put my father 's health at risk today.
If leaving a message with my father wasn't enough, at XXXX he contacted my uncle at his private home number. Again, for the sole purpose of harassing me and to inform a relative that XXXX " XXXX '' is looking to speak with me, he instructed my uncle to get in touch with me and have me call his office.
If leaving a message with another relative was not enough, at XXXX he contact another relative with an entirely different last name and did the same thing.
At XXXX he contacted my cousin on his MD cell phone number and asked for me when my cousin picked up. Despite purposefully calling the wrong number in an entirely different state in an effort to get my attention, he still asked if he was reaching the right party. This is a deceptive collection tactic. A debt collector does not need to disclose details of a debt in order for a third party to know it is a collection call when his company 's name consists of the word " XXXX ''.
Then at XXXX he contacted another out of state cousin on his AZ cell phone. This time he was rude and aggressive and made it very clear that he was a debt collector. He knew he would not reach me on an out of state number so it is very clear that his intentions were not to get a hold of me, but to get my attention and prompt a call back.
In 10 minutes he left messages with at least 5 relatives ( that I know of ). This was at least a 22 minute time span that he spent on my account trying to leave as many messages that he could with as many relatives that he could find.
At XXXX I called XXXX XXXX back and recorded our 20 minute conversation.
He stated that the original creditor had provided him with all of the numbers he dialed today which is a lie and should be considered a deceptive business practice. When I expressed how upset I was about him calling my relatives, he admitted that he was pleased that his efforts paid off and he achieved the desired result of getting me to call back. He also stated that his actions were a part of his company 's normal business practices and felt he was not at all out of line by leaving so many live messages with so many different third parties while knowingly calling numbers that I could not be reached on. When I asked what skip trace tools he was using to reach out of state cell phone numbers for my relatives he refused to tell me. When I asked him to play/send me the call recordings of the 5 conversations he had today, he refused. He had a rude tone, made snide remarks and continued to cut me off several times as I was speaking to talk over me in an attempt to redirect the conversation to talk about the debt and not about how he managed to get me on the phone.
I asked to speak to a manager and he transferred me to XXXX XXXX. I received the same treatment from him and he stated that his collector did nothing wrong and no company policies were broken. I advised him I would be filing a complaint with the CFPB and he did not care, as if there wasn't any repercussions that would ever come from such a complaint. I further requested that he cease and desist all phone contact with me. He told me that I must notify him in writing in order for this request to be valid. That is when I provided him with my attorney 's contact information and advised all future communication needs to be directed to him.
After looking at the company 's website, they have a large section that reads " We take compliance concerns seriously '' and " Please contact our Compliance Department to address and concerns you may have ''. So I called back and asked to speak with someone in their compliance department and the person ( XXXX ) that picked up said there was no compliance department and wanted to transfer me back to the manager I was speaking with.
This company is very unprofessional and is not operating in compliance with the FDCPA and NJ state collection laws that are in place to protect consumers. They need to be shut down.
|
| 05/25/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I applied for a Construction to Permanent Mortgage in XXXX XXXX to help build a new construction permanent residence through TD Bank which was expected to be built and delivered by our XXXX with XXXX Months per our contract. I have had a terrible ongoing experience with TD and have been victim of deceptive sales practices, misleading communication, and incorrect processing and calculation of my loan. These various incidents have spanned over the course of the last 2 years where I had reached out to TD and escalated my concerns on multiple accounts. While I wanted to file this complaint earlier I was reluctant and scared to do so and didnt want to jeopardize anything with our until our loan recast process was finalized and our new reduced payment was finalized and set in stone. I can summarize the incidents as follows and can provide detailed email evidence of interaction and engagement with TD.
Concerns : 1. Representative on XX/XX/XXXX Locked my mortgage rate without my consent as additional confirmations were pending from the seller of the property. Exceptions were needed to unlock the rate. I was also mislead indicating that if I considered a 15 day rate lock that some exception pricing would be possible where I would receive a better discounted rate.
2. I was informed by my XXXX when raising concerns around project delays that TD was accommodating exceptions during the COVID Pandemic and would extend terms to aid customers who were impacted by COVID. In my case I had a 1 year interest only term to finalize the build of my home which was delayed and impacted due to supply chain and other permit delays as a result of the pandemic - when I and my XXXX ( who referred me to the TD representatives ) reached out to TD related to accommodating an extension given the above circumstances in XX/XX/XXXX ( as my 1 year was approaching ) where they informed me that the option to extend my interest only construction period due to COVID19 ended as of XX/XX/XXXX. I was not aware or notified at any point in time that this option was going away. TD had been managing my draw schedule this whole time and they would have line of sight that my house was only 35 % complete with months left before my sizable loan was going to convert to the full principle and interest payment. I would expect that this would raise a red flag and we would be contacted to discuss our situation and any financial implications or options available to us such as a COVID19 Extension/Accommodation. Had I been informed there would be nothing to stop me from reaching out proactively prior to XXXX XXXX to request the extension of the interest only period. Furthermore, I was not notified until late XXXX where I received a letter that my loan was converting literally in days ( as of XX/XX/XXXX ) where my payment would increase by over XXXX and I would be responsible for carrying the entire cost of the full loan in addition to the existing mtg on my current home. This was a clear example of another communication gap where TD could have informed me proactively that this would be happening and give me my options given that their records indicate that my house if only half complete and not yet livable. As a resulted, i now needed to cover significant costs associated with maintaining XXXX larger mortgages which forced me to accelerate the sale of my old home so I can pay down a size-able chuck of principle ( XXXX ) and recast the large TD loan to make the mortgage payments manageable. This also impacted our family as we would need to find a temporary place to live for almost half a year until our home was completed which was not the expected plan with XXXX young children in school and daycare.
3. Additionally, after being turned away for the extension- I continued to receive inserts in my correspondence from TD that I can reach out for assistance given COVID assistance/implications which was like getting a monthly slap in the face. Again, I had reached out to TD and they informed me that this was only intended for those that are exploring forbearance ( not clear on the communication and misleading ).
4. In initiating the request to recast, I had engaged the TD team to start the process to recast where per contract I had the option to make a lump sum payment and my loan would be re-amortized for a {$100.00} fee. Upon initiating this request the previous sales person who originated the loan all of the sudden reaches out suggesting to explore refinancing - I found this concerning and raised questions as to why refinancing was even being suggested as an option given the refinance and recast process are very different and come with very different financial implications/costs. I was not given a concrete response as to why a refinance would be in my best interest as a customer. I proceeded with the recast option.
5. Finally, I started the recast process and paid down $ XXXX of my loan. I specifically sent in the payment for processing to apply the full amount to principle and avoid paying the larger amount for yet another month. When I received the final documents from TD they had inadvertently applied an additional payment ( P & I of the larger amount that I was explicitly trying to avoid ) and then applied the remaining balance to the principle resulting in an incorrect new payment amount ( {$2300.00} ) going forward. I had reached out to inform them of their mistake and the representative was very helpful and trying to resolve my concerns and they made the necessary corrections and reprocessed my paperwork to indicate the accurate new monthly payment of {$2300.00}. Once this was all finalized I was advised that there may be a delay in getting my next statement and that I should continue to go to the online portal and make my payments as I had been. When following those instructions the online system still prompted my for the incorrect payment amount of {$2400.00} which i paid anyway and I continue getting correspondence indicating the incorrect payment amount.
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| 04/28/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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We are asking for assistance with identity fraud issues with TD Bank.
Please help as to resolve these problems. During two months we were fruitlessly trying to solve the problems by ourselves and regain our lives back.
We understand now that we need as much help from your agency as possible. It took more than two months of endless communications and cost the deteriorating health problems, as XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX.
In XX/XX/XXXX of XX/XX/XXXX we obtained a TD Bank Cash Reward Credit Card. We started using it as our primary card and always paid it in full upon receiving the billing statements. Around XX/XX/XXXX we had received a letter from TD Credit card, saying that our request of changing our mailing address to XXXX XXXX XXXX XXXX, XXXX FL, XXXX was satisfied. Neither one of us primary card holder nor secondary card holder, requested this change of the address ; none of us moved to XXXX XXXX XXXX XXXX, XXXX FL, XXXX, and moreover, we had never even visited it.
Immediately, upon receiving the letter we informed the XXXX credit bureau, that our TD card was hacked.
We called to the TD credit card and spoke with Customer Service Representative, explained that the request was an identity fraud and asked to fix our records. We were told that she would fix this problem, would null the compromised card, and would send the new credit card.
Around XX/XX/XXXX we had received a new credit card and thought the problem was solved.
After using this new card for a week, we realized it stopped working and we had called the TD bank credit card again. We were told by another Customer Service Representative, that someone went online and had changed our mailing address. She assured us that she would fix the problem and make our online profile ( which we never created at that point ) blocked. We do not know if the fraudulent address was ever changed after our first call, or someone changed it again.
The new ( the third ) card arrived in around XX/XX/XXXX. It was used only for several days, before stopped working on XX/XX/XXXX.
When we had called TD bank on XX/XX/XXXX, they told us that the card was declined, because we did not pay our bills. We checked our billings and realized, that the very last thing we had received from TD Bank ( except for the new cards ), was the letter notifying us about the changes of our address ( about XX/XX/XXXX ).
The Customer Service Representative we spoke was pretty rude, and although we explained that we had an identity theft and did not receive any statements after the statement for XX/XX/XXXX XX/XX/XXXX, he refused to mail us another copy and demanded that we just paid the bill without even looking at it. We called back in immediately after this conversation and spoke to another Customer Service Representative, who told us that they keep sending billing statements to XXXX XXXX XXXX XXXX, XXXX FL, XXXX, in spite the fact that first two Customer Service Representatives supposed to delete long time ago. This fourth Customer Service Representative deleted this fraudulent address and mailed us the billing statement for XX/XX/XXXX XX/XX/XXXX on XX/XX/XXXX.
The statement for XX/XX/XXXX XX/XX/XXXX still was not mailed!
After trying to complain to the Customer Care in XXXX XXXX bank at XXXX on XX/XX/XXXX, we were told to go to our local branch in XXXX.
Finally on XX/XX/XXXX we had received the billing statement for XX/XX/XXXX- XX/XX/XXXX at XXXX TD branch on XXXX XXXX.
After review of this statement we had learned that : Someone used our account for unauthorized money transfer of {$5100.00} on XX/XX/XXXX, and then transferred back {$5100.00} to our account on XX/XX/XXXX
The TD bank charged us {$150.00} for the money transfer, which is now - our burden to dispute. On XX/XX/XXXX we finally were transferred to the fraud/dispute department, where they took the information from us.
Our XXXX reward points were redeemed by someone who lives at XXXX XXXX XXXX XXXX, XXXX FL, XXXX XXXX Fl between XX/XX/XXXX - XX/XX/XXXX - after the 3rd card was issued.
Based on multiple communications with the customer care representatives, we suspect that 1 ) changes of the address, 2 ) unauthorized money transfers and 3 ) unauthorized monetary cash redemption of our points were done by someone who had an access to internal information and ability to make changes to our account.
Whenever we brought these concerns the attention of the customer service representatives, our complaints were ignored and the problems still remain.
To date we already : had unauthorized money transfers have fraudulent change of address and identity fraud discovered that we had incurred various fees associated with the unauthorized money transfers Incurred late fees for not paying the bills, because bills were send to the fraudulent address had been deprived of XXXX cash reward points, which are equal to {$440.00} {$460.00}.
spoke to 12 different customer service representatives and spend from 45 minutes to two and a half hours on each transaction without any ability to solve the problems.
Although we were told that the reward points would be returned back to us and these late fees were waved, we still have to dispute the fees associated with the unauthorized money transfers, and we are terrified to feel that someone preys on our personal and financial records.
We ask your assistance in 1 ) waive all unauthorized fees and transactions, 2 ) investigate the unauthorized address change, Attachments : The listing of residents registered to the address at XXXX XXXX XXXX XXXX, XXXX FL, XXXX XXXX Fl from database called XXXX XXXX : XXXX : XXXX Copy of billing statement for XX/XX/XXXX XX/XX/XXXX with the fraudulent address, unauthorized transactions and redeemed points to this address. ( amount is paid off except for the {$150.00} for unauthorized transaction fees, which is on dispute from XX/XX/XXXX.
Copy of billing statement for XX/XX/XXXX XX/XX/XXXX, which was mailed to us after we called on XX/XX/XXXX.
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| 06/15/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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Consumer Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX PMB # XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX ( XX/XX/XXXX ) SSN:XXXX E-mail : XXXX Phone # : ( XXXX ) XXXX Company/Credit Card Info : XXXX XXXX XXXX is the issuer of Nordstroms Credit Card Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Credit Card # : XXXX XXXX XXXX XXXX experation : XXXX cvv/security code ( on back of card ) :XXXX last 4 digits of account # :XXXX Account opening date : XX/XX/XXXX My complaint is regarding the the following : 1.The initial Credit Limit that was set, {$2000.00} 2.A Block placed on the card preventing future use. This was done by the Fraud Department of the issuing bank 3.Change in credit Limit to {$1000.00} I applied for a retail Nordstrom 's Credit Card on XX/XX/XXXX in person at the Nordstrom 's Store in XXXX XXXX, XXXX XXXX XXXX XXXXXXXX .
I used my Driver 's License to identify myself and after filling out an application with a Nordstrom 's Salesperson they said my Nordstrom 's Retail Card ( for use only at Nordstrom 's Stores ) was approved and that my credit Limit was {$2000.00}. They also said that on that particular day I could earn Triple Reward Points for every dollar I spend.
That being said I decided to do some shopping the same day using a temporary card, printed as Barcode on receipt paper. I made several purchases and had used close to 50 % of my credit limit the same day I opened my account. I wanted to make one last purchase that day ... that would put me at a little over 50 % of my credit limit. My card was declined and blocked ... even though I was told my credit limit was {$2000.00}. Even the sales person was shocked ; because usually the only reason a card would be blocked was if their was extensive late payments, but seeing how it was a new card ... they saw no reason for such a block to be in place.
About 2 days later ... .I called Nordstrom 's to see what the problem was, and they said after a more thorough review of my credit score/report they decided to reduce my credit line to {$1000.00} and that the block would remain in place until the balance was paid off completely and that after the balance was {$0.00} I'd have to wait 20 days until I could use my card again ... even if there were no late payments on my card ... it was still blocked by the Fraud Department ... I later asked who the " Fraud Investigator '' was, and their name is " XXXX '' I believe.
This is after I had properly identified myself using my Driver 's License and even made several payments there after ... .a block was still in place. They, The Fraud Department said it was for my protection.
I believe they were discriminating against me because of how I spent so much of my credit line on the same day the card was opened ... and then decided to reduce the credit line ... in other words I believe they may not have thought I was being financiall responsible ... or thought I was not who I said I was ... but still ... .even after I had made payments the block was still in place ... I could not take advantage of any sales Nordstrom 's had and I was embarassed when my card was declined when I was trying to make a purchase on the day I opened the card.
Here 's an analogy I can give you to better describe how I felt : Imagine you're in the market for a new car ... you go to your local car dealership and speak with the finance manager, and ask them to check your credit to see how much a bank is willing to finance to get a card. The manager returns and says " XXXX XXXX XXXX will finance any car you want up to {$20000.00} '' So you start looking around the lot and find a car you like, that cost {$20000.00}. You then ask the salesman to test drive it ... .you take it for a drive for 30 minutes ... and like it and decide that's the car you want to buy. As you sit down and start doing paperwork to complete the sale ... the finance manager comes over and says .... '' we're sorry but we looked at your credit report again and XXXX XXXX XXXX XXXX has decided to only finance a car for you up to {$10000.00} '' ... .so now you can't by the car you want. So you then you pick out and buy a {$10000.00} car ... .but you as you try to drive it off the lot..the air bag randomly deploys ... you weren't in an accident ... but the salesperson says ... '' We're sorry ... that's just for your safety ... we want to make sure you don't hurt yourself ... it will deflate and you can drive it away after the airbag is repacked ... after you pay XXXX XXXX XXXX {$10000.00} ... owe and then it will be 20 days until you can drive the car without the airbag being inflated '' For the record ... when all the above happened ... there was know Fraud Alert issued by the Federal Trade Comission ... I did not call the FTC and say..please block any new credit card accounts from being opened in my name ... or if I do apply for a credit card please contact me personally to ask for identiity authentication to ensure it is in fact myself, XXXX XXXX XXXX, applying for a credit card .
I would have preferred for Nordstroms/TD Bank to take their time ... a few days ... .may a week or two ... to thoroughly review my credit card application ... and not flip flop on their initial credit line of {$2000.00} Irecognize that in the fine print ... of the application ... they may have the authority to change credit limits etc, but I believe they may have abused their power to do so by blocking my card ... because as a new customer ... they did not like my spending habits ... without having a payment history to show whether or not I would pay the balance off. That I believe is unfair, and the result is they embarassed and humiliated me.
They did finally remove the block off my card after I persisted for several months..making payments and complaining about my card being blocked ... but all of this could have been prevented if the bank took more time to decide on a credit limit.
|
| 05/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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This is a complaint against TD Bank N.A and also a Request that TD BANK N. A.
reverse my funds from disputed transaction with the unscrupulous merchant ( XXXX XXXX XXXX ) Total Claim for the transaction : {$20.00}, XXXX Claiming from TDBANK = {$15000.00} including fees by TD BANK Claiming from XXXX = {$4500.00} under separate request Dear Sir or Madam, The Reversals Request filed by XXXX XXXX XXXX regarding CASE NUMBER XXXX, and Case # XXXX are invalid and warrants a CHARGEBACK.
These RESERVALs are invalid because XXXX XXXXXXXX XXXX did not provide the Service as described and plus, 1- XXXX XXXX XXXX the merchant acted as a fraudster with malicious intent - I purchased a book marketing service with XXXX XXXX XXXX owned by XXXX XXXX XXXX XXXX XXXX XXXX sold me a high ticket service that he calls done for you whereby they will provide all the marketing services described in the attached agreement for me. ( Just like metaphorically speaking XXXX XXXX sold me a XXXX. I bought the XXXX. XXXX XXXX XXXX then goes on to deliver bicycles to me. I did not buy bicycles. I bought a XXXX. So I disputed his service and requested a refund. Either they give me the service they sold me or they give me my money back.
I called TD bank to explain the situation and request my money back. TD Bank never gave me my money back. Because, they waited to hear from XXXX XXXX XXXX.
XXXX XXXX XXXX then presents services unrelated to what I purchased, like a bicycle instead of a XXXX XXXX as evidence of service and work performed to TD bank and TD Bank believed and did not get me my money back.
Please refer to my XX/XX/XXXX and XX/XX/XXXX email exchange with XXXX and XXXX of XXXX XXXX XXXX attached to this. Initially I wanted to be patient and work things out with XXXX XXXX XXXX. But their intention to swindle me was there from the beginning. They just were after my money ... not to provide any of the services they were promoting.
2- The statement quoted below from XXXX XXXX XXXX Dispute Response Information , is incorrect. Please see on the screen capture email exchange that XXXX XXXX who works for XXXX XXXX received from my editor the copy of my manuscript on XX/XX/XXXX before I signed and paid for the program. They did not print my book and never printed my book because their intention was not to help me. They just wanted to steal my money. This following quote is from XXXX XXXX XXXX in responding to TD Bank. It was just a lie.
" Cardholder signed up for XXXX PROGRAM on XX/XX/2020 with the understanding our merchant needed all deliverable 's within the first week in the program ( latest XX/XX/2020 ). She fully aware that any delay would make it impossible for our merchant to meet the agreed upon print date. C/H didn't provide required deliverable 's within required time period. Book was not published on time because cardholder did not provide workable layout as agreed on the contract. This is a cardholder merchant dispute. " My dispute is correct. My email communications with the merchant showed that I provided to XXXX XXXX, the information he needed for reprinting my book and despite that, they acted as if they did not plan to work within the time frame they promised me. And because I was not satisfied I complained to XXXX XXXX XXXX, but they did not try to correct the situation by 1- Not providing the services as promised, which they received payment for.
2- Providing an ambiguous contract, intended to cheat and then mistreat and disrespecting me. I have tried everything possible to resolve the problem with the merchant to no avail.
3- XXXX XXXX XXXX purposefully lied in his response by accusing me for not providing the information they needed when they already were in possession of that information. And up to now, they have not provided the service I purchased. They delayed responding to my dispute to the point of annihilating my chances for providing a timely rebuttal so as to cause my case to be dropped in order for them to keep my money, instead of simply providing honest and ethical service for that money.
4- XXXX XXXX XXXX largely lied in his rebuttal letter citing 31 items with faked $ amount that he claimed to have provided. I did not want that plethoric of bicycles I just wanted marketing service done for you : get me interviews, promote my books in the media, do what marketing done for you is and that is the reason I spent all that {$20000.00} purchasing their service ... My book was already on XXXX I just needed a good marketing service to get the word out..
XXXX XXXX provided a long list of activities that XXXX XXXX XXXX actually provided nothing out of ... They promised me DO IT FOR YOU MARKETING and they switched me to a do it yourself with some false dollars amount so they can keep my money. I did not buy that I just wanted them to do my marketing so as to increase the sale.
The transaction in question was paid ( from my accounts in two banks : TD Bank and XXXX XXXX ) for book publishing and marketing services the merchant promised to provide and that included republishing my book between XX/XX/XXXX and XX/XX/XXXX if I made my payment in full.
I have made my payment in full just as stipulates the attached Agreement on page 1 section1 underlined in yellow.
Up to now, XXXX XXXX XXXX has not printed nor delivered any book.
They did not provide the service they promised on the attached Agreement on page 1 of the Attached Agreement.
TD Bank was informed of the dispute by a claim I filed against XXXX XXXX XXXX. Yet, TD Bank failed to grant me the usual temporary credit and waited all through XXXX, XXXX, XXXX until XXXX, 4 months after I filed the claim to now tell me that I should personally go after the merchant, as if as a consumer, I was on my own without any protection from the Bank. I would never have gone to that merchant 's store and handle them such amount of money without the implied protection that I can benefit from, from the Bank.
|
| 11/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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|
Web |
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XXXX. XXXX Account XXXX **** Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and 60 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than XXXX ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
|
| 08/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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Dear Sir or Madam, *1. NORDSTM/TD Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XXXX and XX/XX/XXXX.
I immediately disputed this information with NORDSTM/TD and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, : XXXX XXXX SS # : XXXXXXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 11/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
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Web |
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I XXXX XXXX opened a bank account and a secured credit card, as a XXXX XXXX to USA by marriage. My husband helped me do this and he is an account holder of the TD Bank. The accounts and cards where all linked in their banking app and the manager claimed it is a marvel how these things link on the app. My name is really long - XXXX XXXX XXXX XXXX, so they said they we are doing some tweaks in name as XXXX XXXX XXXX etc. to create both your accounts. We provided all documents and said, even social security had some challenges printing the name on card as full, but was ok with taking the name as whole. The account was opened and we started using the card and making payments. We setup an Autopay and on XXXX XXXX, where XXXX is the Autopay day, we logged in and checked the automatic payment was through. Our card was setup great from an account with XXXX $ in balance. Then we logged off, but when we logged in after 1 1/2 months the balance was higher than our monthly XXXX $ phone bill, that is charged. So we make an appointment to the bank in the PEAK COVID, get in there after a week and bank stay on phone for 1 hour with TD Bank Credit Card and was assured it will be fixed in 3 days and the fix will be in effect at next Autopay!!! I asked will they report late payment, the Credit card bank assured - oh no it is not your fault - why would they??? It was determined the name on the credit card and the personal checking accounts are different is the reason why the Autopay failed. We did not create this accounts, same person in the bank created it USING BANK SOFTWARE. Next Autopay also failed, we went back twice with appointments and against the advice, made a XXXX $ payment in cash. Again one hour phone call, my husband taking an hour off from work and was assured, wait till next Autopay, everything was fixed and it will process. Next Autopay on XX/XX/XXXX failed, my husband made the payment by signing his account. His name is not XXXX XXXX and it took the payment. He created a XXXX account for two days later - waking up from sleep in panic, in the middle of the night at XXXX and found a late payment was already reported. Late payment was reported for XXXX BUT we went to bank and made a manual payment of XXXX $ by rather persuasively on XX/XX/XXXX! At least I should know, why I need to persuade a banking official to make monthly payments to credit card??? This should be in training and the banking official XXXX finally claimed, he did not know, but could not fix it as the manager at the center asked him to claim, since I signed Autopay, it has a disclaimer, it is my customers responsibility to make the payment! This is outrageous!!!
I am not very proficient in English is why always my husband accompanied me, and did majority talking on my behalf.
Bank is doing this to harvest interest, by deliberately destroying credit. This is a XXXX like activity! I believe this is their OPPORTUNE COVID BRIEFING by upper management. They said we understand it is not your fault, but can not fix it! I believe Management said, do not fix it, it is COVID! We can harvest interest for next 7 years!
This is a secured credit card, with XXXX $ payment. Not a loan! It is linked to a Bank account with XXXX . If the name is wrong, how was it linked??? Besides, I never put any name in the system!
We where not getting monthly statements, to make payment by mail!!! We also did not receive an email that Autopay failed or monthly statements. We did not get a letter, bank account was blocked or an email, that bank account or Autopay was blocked.
I AM A CONSUMER who pays for services and have rights to reasonable services and customer service to some sort of satisfaction and not dollar value based - alone.
Final statement from the bank is that, when they tried to correct the Autopay, the Autopay was turned off and IT IS MY FAULT!!! again I turned it on, but the bank account had a block on it, due to failed transactions due to name. Again it is my fault was banks assessment, although it is not possible to find out there is a block on the account!!!
There is no place in banking software or credit card or paper notification, that account is blocked. This is my responsibility is the information given to me and was told, ok, we are out of the loop - as th e Autopay screen displays the disclaimer! If someone lied to me my account was not blocked and I sign a disclaimer based that I made judgement based on your information, then how is it my fault ??? It is negligence or fraud from banks side!!! or both. A blocked account should be notified!
TD Credit Card company said when we called to cancel late payment, it is TD commercial Bank 's fault, as they admitted it in letter to us. I am a consumer, same Bank TD Bank opened the account using in house computer software and linked them. What is the confusion between account names after the linking of two accounts was successful? This is not my fault ... not telling me account was blocked was not my fault. I should have some way to pay my bills. Training banking employees, inadequately, don't make payments and don't worry till Autopay goes through - is very grave fault from banks side.
I attach a letter from bank admitting fault and statements with transactions rounded. Please remove that late payments from my account. My credit is new and I am not a non payer, it is a secured credit card and I loaned no money and had XXXX $ to make payments kept, that bank blocked notifying nobody, not updating software to blink it when opening account on the computer! There is no way to find out, the account is blocked!
When we called XXXX XXXX, they where co-operative and removed the late charge and agreed with us. But when We called TD Credit card, as XXXX advised, the credit card maintains, it is not their fault and reinstates late charge!!!
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| 03/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Attn : Legal Department Dear Sir or Madam, 1. TD Bank NumberXXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX. I immediately disputed this information with TD Bank NA and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act XXXX FCRA XXXX, the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a XXXX Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days XXXX not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection XXXX a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection XXXX b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX
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| 08/12/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-daXXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. TARGET/TD bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( XXXX ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four XXXX XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four XXXX XXXX XXXX items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 10/11/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion , Equifax , and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX XXXX : XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX U.S.C XXXX XXXX ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA XXXX ( XXXX U.S.C XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
XXXX. NORDSTM/TD bal. {$2800.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section XXXX ( XXXX ) Block of information resulting from identity theft. XXXX. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX
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| 11/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX XXXX : XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX U.S.C XXXX XXXX ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA XXXX ( XXXX U.S.C XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX XXXX BANK XXXX {$550.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section XXXX ( XXXX ) Block of information resulting from identity theft. XXXX. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX
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| 11/26/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX XXXX : XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX U.S.C XXXX XXXX ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA XXXX ( XXXX U.S.C XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX/XXXX bal. {$XXXX} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section XXXX ( XXXX ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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| 12/09/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. NORDSTROM/TD BANK USA & BAL . {$360.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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| 12/07/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. TD BANK XXXX/TARGET CREDIT & BAL . {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 11/29/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The FederaXXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. TD BANK USA/XXXX XXXX XXXX {$320.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 12/02/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. TD BANK USA/TARGET CREDIT & {$3100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
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| 06/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XX/XX/2019 : I was informed by my credit monitoring company that TD Bank had filed negative reports with all three credit reporting bureaus : XXXX, XXXX and XXXX. In its reports TD claimed a 30-day delinquent amount of {$220.00}. Upon further investigation it became evident that TD had also filed a {$25.00} delinquent report earlier with same three credit reporting bureaus. The reports filed by TD Bank with said credit reporting bureaus include information that, to the best of my knowledge, is inaccurate, and/or misleading. As such these reports have unfairly decreased my credit score and have made me suffer significant financial harm, as the result. I subsequently asked TD Bank to either provide valid justification for its claims, or otherwise correct the negative reports it provided to the three credit bureaus. TD Bank has not yet provided any supporting evidence to justify its claims and has not yet corrected the incorrect and misleading information it has reported to the three credit bureaus.
Background : XX/XX/2019 : Nearly 13 days BEFORE my regular credit card payment due date of XXXX I called TD Bank to pay off the {$220.00} balance on my account. I specifically called TD Bank BEFORE the due date, in order to prevent the bank from adding its unreasonably high interest to the small amount of {$220.00} remaining balance on my credit card. This {$220.00} would have been the LAST of over {$10000.00} payments I had made on this card to TD Bank. During said XX/XX/2019 phone call, a TD Bank representative by the name XXXX, took down my checking bank account information toward full payment of the {$220.00}.
XX/XX/2019 : Subsequent to learning - through my credit report monitoring company - about the negative credit reports filed by TD Bank, I called the bank directly to inquire about these reports. My call was forwarded to XXXX ( ID # XXXX ) who acknowledged that I made a payment on XX/XX/2019 for {$220.00}. However, she said there was a reversal, in that the bank was unable to locate the account, according to my notes of the phone conversation. I was asked to repeat my checking account number. After doing so, it appeared that the representative had missed typing one of the 3 repeating digits on my checking account and had instead put only 2 repeating digits. I told the representative that this must have been an error by the representative who took down my checking account number on XX/XX/2019. I was told that this matter will be addressed to a supervisor in collection and/or customer service by the name XXXX ( ID # XXXX ) who will pull the recording of the phone call I made on XX/XX/2019 to determine if the error was made by the bank or if I had provided the bank an inaccurate checking account number. I told the representative that I had no reason to provide a wrong checking account number when the main purpose of my XX/XX/2019 call to TD Bank was to pay off the small remaining balance on the credit card and hence prevent TD Bank from adding its high interest to the unpaid amount. I also inquired why the bank did not contact me directly to let me know that the payment did not go through, and instead made a false and misleading report to the credit card companies, knowing full well that I had made an honest attempt to pay the full balance on the account about two weeks before the due date.
XX/XX/2019 : Long AFTER the bank had already filed its inaccurate and misleading reports with the three credit reporting companies, I received a letter in the mail from TD Bank dated XX/XX/2019, which informed me about the late payment.
XX/XX/2019 : I called TD Bank and spoke with XXXX ( ID # XXXX ). I disputed the {$3.00} interest that TD added to my account due to its error in processing my XX/XX/2019 payment, and asked her to process a payment for the {$220.00} - in full payment of the account- using the same checking account and routing number I used on XX/XX/2019. My bank confirmed that this payment was cleared on or around XX/XX/2019.
XX/XX/2019 : TD Bank left a voice mail on my phone. The message as transcribed by my phone service provider showed : This is from TD Card Services. We are calling you back per your request and we had listen to the call of the payment that was reversed and the agent repeated back the exact information you provided. So unfortunately we're not able to update your credit reporting since no bank errors were found but if you have any other questions give us a call at XXXX. Have a great day. '' XX/XX/2019 : I called TD Bank and requested a copy of the recording of my XX/XX/2019 phone call to TD Bank, because I dont believe that I provided the wrong bank account information to the bank. The bank representative mentioned that she submitted the request and I should hear back from the bank within 24 hours. She also confirmed that the {$3.00} interest on my account was waived, and the balance on my account with TD was {$0.00}.
As of today, TD Bank has failed to correct the error that led to its unfair and unjustified reporting of balance due on my account, when I had already made an honest attempt to pay off the balance on my credit card to avoid the high interests TD Bank assesses on its credit card loans. TD Bank has also failed to provide any evidence supporting its claim that I had provided wrong checking account information to the bank.
As of today, my credit report still shows a {$220.00} unpaid balance on this TD Credit card, even though the bank has confirmed that there is no ( {$0.00} ) balance due. In my credit report there is also another {$25.00} fee to this credit card which I have no idea why and when this was filed.
I have disputed these unjustified reports with all three credit reporting bureaus. However, as of today, the problem has not yet been resolved.
|
| 10/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C XXXX 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. TD BANK N.A. bal. {$4400.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX
|
| 12/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. TD BANK USA/TARGET CREDIT & {$380.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX
|
| 12/02/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. NORDSTROM/TD BANK USA & XXXX**** I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 12/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C XXXX 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX bal. {$690.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
|
| 12/21/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. TD AUTO FIN bal. {$26000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 08/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. TD BANK N.A. bal. {$4900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
|
| 12/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. Nordstrom & BAL. {$8100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
|
| 11/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. TD BANK USA & {$3000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 07/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. TD BANK NA bal. {$2900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 11/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. TARGETCRED bal. {$1500.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 07/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. NORDSTM/TD bal. {$770.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 10/03/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
On XX/XX/2022, I was a victim of a XXXX XXXX, which cost me {$82000.00}. I am writing to see if I can receive assistance in recovering my lost savings. This involves Negligence with my XXXX XXXX and the Fraud Department at TD Bank. I kept a record of what happened, and I have provided a timeline of events which XX/XX/XXXX through XX/XX/XXXX on separate pages.
On XX/XX/XXXX, I received a popup message, of a trojan spyware alert and that my IP address was accessed. I could not clear the screen. When I called the IT customer department at XXXX and described my situation, the customer service agent told me to contact XXXX or my service administration provider. I thought XXXX was my system administrator.
Since I couldnt use the laptop to locate any information. I called the XXXX phone number on my screen. The result of this was working with two people, I subsequently learned were fraudulent ), impersonating a XXXX technician and a customer service representative at the Fraud Department at TD Bank. This was all done over the phone and internet between XX/XX/XXXX and XX/XX/2022. The TD Fraud phone number was mirrored, I thought I was speaking with my bank.
On XX/XX/XXXX the Director of Client services called me and followed up with an apology in writing stating that the agent provided incorrect instructions, causing all the troubles for me. During our phone conversation, I was told, going forward that the company has since changed their company training policy to prevent this from happening again.
The TD Fraud agent ( I later found out was a fake ) told me that not only were my financial accounts hacked but it had escalated to Identity Theft. To secure the money I needed to transfer the money to a safe FTC account. The wire transfer took place on XX/XX/XXXX around XXXX. After the wire transfer was completed, I realized something was not right and went directly to the XXXX TD Branch to try to figure out the situation and to subsequently stop the transaction. I was at the bank by just before XXXX on XX/XX/XXXX.
The VP of the XXXX XXXX immediately initiated an emergency recall. The VP told me that the transaction was still pending at that time on XX/XX/XXXX and there was a good chance of stopping the transfer. I was hesitantly relieved.
I expected going forward that the bank would update me on the status. However, not receiving any further feedback from the bank, I made multiple phone calls to the TD Fraud Department on my own starting a few days after XX/XX/XXXX.
The information I received with my first call to TD Fraud department they handled cases as they were sent in. The agent could not find my case. I was never given a case number, so she had to search for it, because she could not find anything.
Eventually she found it and it was on a desk waiting to be handled. She said policies had recently been updated and she was not up to date. I asked why it wasnt a priority because it was an emergency recall and involved the {$82000.00} being stolen from me. The agent had no answer. I was appalled this was the type of service that I received, especially given the exorbitant amount of money involved.
On XX/XX/XXXX I called TD Fraud Department to see if there were any updates. The agent saw a recall and could not provide me with any more information. At this point I believed the emergency recall that was placed to the TD Fraud department may have sat on someones desk. I dont know what happened after that phone call was made, as the bank officials provided me no information at all.
XX/XX/XXXX when I made yet another call to XXXX XXXX department. This agent was very surprised by the lack of information and the type of service that I received and apologized. I finally received a case # and an update that it was being investigated. Updated information was going to be emailed to the local office by the banks investigator and again that is where I needed to go for my update. I was amazed and frustrated they could not provide it directly to me. I drove to the local branch to get the update and was told that in fact it was being investigated by XXXX, the banks XXXX XXXX XXXX, internal department. I already knew that!
XX/XX/XXXX, I spoke with TD Fraud department once again and told my story again to a new agent and she also was expressed concern about the service I received.
XX/XX/XXXX, I called the TD Fraud asking for copy of the log/timeline of how my case was handled from XX/XX/XXXX to XX/XX/XXXX. The TD Fraud agent could not provide that information directly to me, they didnt have those records. The bank manager could request that information.
On XX/XX/XXXX I emailed the VP at XXXX XXXX XXXX for a copy of the log/timeline of how my case was handled from XX/XX/XXXX to XX/XX/XXXX. The VP at the XXXX branch failed to respond for nearly 2 weeks when on XX/XX/XXXX and I was told on or about XX/XX/XXXX the Investigation Agent was made aware of the fraud and the case was essentially closed. That was my log/timeline.
An emergency recall was allegedly placed on XX/XX/XXXX. The investigator did not receive the information until nearly 3 weeks later? And my money was stolen with no accountability, records, or support?
How could the bank institution Fraud department not keep a running log of the case, and why did the investigator not receive information until on or about XX/XX/XXXX?
If they had followed the appropriate steps upon finding out their customer was a victim of fraud, I would very likely not have had {$82000.00} stolen from me.
I never provided personal identification at the time of the transaction. I'm not sure if this was reported to XXXX. I greatly appreciate any assistance that can be provided.
XXXX XXXX
|
| 10/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. TARGET/TD bal. {$640.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 10/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. TARGET/TD bal. {$2400.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX
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| 08/07/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Servicemember |
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Transaction Date : XX/XX/2020 Merchant : XXXX XXXX City/St : XXXX XXXX, SC Category : Household Transaction Type : Regular Sales Draft Original Amount : {$500.00} This transaction was fraudulent and the way their alert system works unlike all of my other credit cards you don't get a text of the transaction until it post All my other cards are getting alert the minute the card is used so when I file a fraudulent claim they put the money back on my card for a couple of months then they denied the claim saying that the person used chip and pin technology so they denied the claim because I allowed someone to use my card to make this purchase I since then have filed an appeal and have attached the letter I sent them for the appealon XX/XX/2020 it's been almost 60 days and I've heard nothing from them. The card was used by a person that I had allowed to use the card in XXXX they had the card for 2 days and returned the card to me and their terms of service it says if I give someone the card I'm responsible and liable for any charges they put on the card until which time I retain the card from the person since then it looks like their terms of service have changed as far as fraudulent claims and the whole point is even if it's my responsibility they refuse to give me a copy of the transaction receipt showing that my card was present because I promise it was not and I have adamantly told them there's no doubt in my mind that my card was not you present during this transaction and I can prove it this person I believe that used the card she pretty much has admitted to it when I spoke with her in a text I can't even file charges against her because Target will not provide me with the information I need to take out of warrant I made a police report the detective wouldn't even follow up on it without me getting The information. Originally when I call a customer service and reported the fraudulent transaction immediately after I received alert that it had posted to my account the lady at customer service asked me have do you have a wallet do you use the target wallet I told her no I didn't know they had a wallet I thought she was talking about a XXXX wallet or something like that and she explained to me that they had a wallet and she said that The target wallet app was used to make the purchase. In my account online I can see the transaction and what was purchased but it doesn't give me the details like a purchase receipt would such as how it was paid for the time of the date and that information All I can get is a gift receipt which wouldn't show all that so when I asked customer service they said for some reason it's not available this is after I filed the claim I asked the woman who signatures on the paper that denied the claim about a copy of a receipt so I could pursue charges she told me I was not allowed to get that my comment to her was how am I supposed to get my money try to get my money and be responsible for this charge when I can't even get a copy of the receipt she told me only the police can do that and the police will not allow me to take a warrant if without a receipt or some sort of evidence I wrote all this in a letter and she said that I had to send the appeal letter to her which I didn't didn't seem right that she would be the one to get the letter for the appeal and the decision that she had made. It seems that they were trying to hide something to keep from paying the claim because I met all of the terms requiring me to retain the card from anyone that I gave it to and I did she's had the card for two days in XXXX during that time she made a purchase I allowed her to make on my card she was not a girlfriend she was someone who needs some help to get some clothes so she can get a job so I helped her out she never paid me back All that's beside the point because I retained my card she apparently kept my card number and either use the wallet app like I suspect or she bought it online and used the credit card number with pin and then picked it up at the store and I feel this is the reason that they would not give me a copy of the purchase receipt because it proves that she didn't have the card. They had put the charge back on my account in XXXX without warning causing my account to be over the credit limit it was 10 days later before I received the letter saying that the claim was denied and that they charged my account back as soon as I found out I paid the balance down below to get below the limit to get below my limit I left four messages for the lady 's name that was on the letter. In the meantime I had made four or five calls to customer service speaking to the same woman two of those times who told me the entirely different process that made no sense that I had to appeal it and she gave me some address somewhere else both times I was driving and I wasn't able to write the address down And then finally after I left the detailed message for the lady who had signed the letter call me back and insisted that the pin and chip technology was used card present I assured her it was not and assured her that I could prove that it was not I have three witnesses who want a fishing trip with me during this time during the time of the transaction during the time of the posted of the transaction over a four-day period and they know I had my card in my pocket cuz when I got the alert I was angry about it and pulled the card out of my wallet right then The only card I've ever been issued was she refused to listen and told me to file an appeal and send her the pill letter and that's what I did I have a copy of that letter which I'm going to attach I don't have a purchase receipt or any of the other stuff cuz they won't give it to me.
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| 08/27/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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I disagree with my TD bank decision to freeze my account for the following reasons and as a relief I pray that the Government will issue an order to unfreeze my account and have all funds returned to me to the previous amount with all applicable interested accrued for the following reasons : ( I ) The Bank failed in its contractual obligation to protect me as its customer based on clear and convincing evidence that the allegations of fraud filed against me are FALSE. The facts underlining the case to prove its a false claim are as follows : On XX/XX/XXXX I signed the one year- leasing agreement of with landlord, XXXX XXXX , to rent an apartment. Some time around XX/XX/XXXX I made an oral agreement with the landlord at LANDLORDS REQUEST, where we both agreed that I will leave his apartment as soon as I get the new one and he will refund me money for the last month rent and the security deposit. The one month rent was supposed to be {$2500.00} and the security deposit is supposed to be {$2500.00}. On XX/XX/XXXX the landlord refunded me {$2500.00} for security deposit and {$1800.00} for the one month rent, which was prorated, because I agreed with him that I will leave on XX/XX/XXXX instead of XX/XX/XXXX. The entire total refund was {$4300.00} and it was issued to me by the landlord using his check from XXXX XXXX. Landlord himself signed the check in my presence and issued to me in hand on the street. The landlord asked me to leave, even though I didnt have to, because he received a fine from XXXX XXXX XXXX Buildings Department for violating municipal statute of working without City-issued permit. He begged me to leave because he did not want to get any further violations from the XXXX XXXX XXXX Building Department. I felt bad for him and thats why I decided to voluntarily depart.
On and around XX/XX/XXXX I discovered that my account has been frozen. I went to TD Bank Branch on same day and I was told the reason for my account being frozen because of the fraud investigation regarding the check that was signed and issued to be by landlord.
To support the investigation, I provided the following documents to the TD Bank investigator XXXX ( XXXX ) XXXX, who assigned the case # XXXX, and his tel # ( XXXX ) XXXX : ( 1 ) copy of my one-year leasing agreement ; ( 2 ) general receipt # XXXX, which was dated XX/XX/XXXX and signed by me at the direction of the landlord to affirm that he paid me {$4300.00}. Such documents were provided to him on or around XX/XX/XXXX.
TD Bank could have already closed this investigation because the signature on the check is the same landlords signature that appears to be on the leasing agreement. Moreover, I have witnesses that know that the landlord must refund me the money. At this point it should be clear and convincing evidence that the check issued by the landlord was legitimately signed. Moreover, from rational perspective, if the landlord claims fraud, how is it possible that I acquired landlords checkbook? Did I rob him, or make him signed under some duress, such as at gunpoint? It just makes no clear sense from reasonable mans perspective that the landlord reported fraud to a check that he himself signed willingly and voluntarily. The moment that the Bank investigator received all the clear and convincing evidence, thats when the Bank should have unfrozen my account ( II ) The Bank failed to investigate in timely manner. As I mentioned in my first clause, the Bank should have immediately unfreeze my account the moment the Bank received clear and convincing evidence.
( III ) The Bank violates my constitutional rights because it freezes my assets WITHOUT any government or Court order. I rely on the funds on this account not only to pay my bills, but also to get money for my basic needs, such as food and clothing. Thus for a bank to freeze my assets without government warrant or Court order would be unconstitutional.
( IV ) The Bank failed to file charges against the landlord for false reporting and fraud. The motif of the landlord is clear : he wanted to get the money back because the easiest way to get money back is by claiming fraud. Additionally, he really needed to get the money because he is probably paying fines to the City and his defense attorney.
I ask that the TD Bank agrees to unfreeze my account, OR I will ask that your governmental agency intervene and compel the Bank to do so. If the Bank will not voluntarily comply with my request to unfreeze the account and pay applicable accrued interest, then I will go to New York Supreme Court and will file the case against the TD Bank and against the landlord. The relief I will be asking from the Court would be the following against TD Bank as a primary defendant : ( 1 ) An injunction compelling the TD Bank to unfreeze my account ; ( 2 ) Provide an applicable accured interest ( 3 ) Provide the attorney fees ( 4 ) Punitive damages for violating my constitutional right of freezing my account without government order or Court order, thus depriving me of funds to pay for my basic needs ( 5 ) Any excess money owned as a result of late and missed payments for needs, such credit cards, rent, car payments, utility bills, etc because this is my PRIMARY ACCOUNT ( for example : because of missed payment due to account being frozen, I incurred late fees and interest on my credit account. ) The relief I will be asking against the landlord will be as follows : ( 1 ) {$4300.00} plus court interest ( 2 ) Attorney fees ( 3 ) Punitive damages for common law fraud and applicable statutes that deal with fraud I hope that the Bank will take my complaint seriously and will resolve the issue civilly before I proceed to litigation as the next step.
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| 11/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
Servicemember |
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THIS COMPLAINT IS IN REGARD TO A CREDIT INQUIRY EXISTING ON MY XXXX CREDIT REPORT PASSED THE LEGAL REPORTING STATUTE OF TWO YEARS. THIS COMPLAINT IS AGAINST THE CREDITOR TD BANK XXXX XXXX THAT IS FURNISHING THIS OUTDATED INFORMATION TO XXXX. THIS COMPLAINT IS NOT AGAINST XXXX AT THIS TIME.
This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act.
XXXX provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX regularly furnishes consumer credit reports to Creditors electronically. XXXX is an entity who regularly and in the ordinary course of business furnishes information to XXXX or more Creditors about its transactions or experiences with its consumers.
XXXX routinely receives complaints from consumers who claim they do not owe the debt or that an account is invalid or incorrect. In numerous instances, I have notified XXXX at the address specified for such disputes that XXXX is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously.
XXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX. XXXX receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on XXXX website.
Pursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX s policy and practice only to compare the name, social security number, date of birth, and address in XXXX s computer database with the information provided on ACDV forms. Where three of the four items match, XXXX will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records.
In disputes involving identity theft or fraud allegations, XXXX s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, XXXX continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted XXXX at the address specified by XXXX to dispute information furnished by XXXX to a Creditor and to notify XXXX that the information is inaccurate.
In numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ).
TD BANK XXXX XXXX is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX states that TD BANK XXXX XXXX is the one responsible for removing this information from my credit report. As it currently stands XXXX nor TD BANK XXXX XXXX has not validated or verified the accuracy of this inquiry. They also failed to remove the inquiry from my credit report after the two year statute of limitation. The following outdated inquiries are being furnished by TD BANK XXXX XXXX and are being reported by XXXX.
Inquiry Entry Date Legal Removal Date Inquiry listed as XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX As of XX/XX/XXXX these inquires are still being reported.
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| 07/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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TD BANK ACCOUNT HACK AND DISPUTE On XX/XX/2022, my XXXX XXXX check was direct deposited into my TD Bank account totaling {$1900.00} as it always has been since I retired a number of years ago.
Some time prior to XX/XX/2022, my XXXX phone and my TD Debit card were hacked which enabled thieves to make a charge to a company called : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
TD Banks Fraud Department sent a text to my phone at XXXX am as follows : XXXX : TD Bank Fraud XXXX Did you attempt {$410.00} at XXXX XXXX SS with card XXXX? Reply YES or NO. Case XXXX To Opt Out reply STOP.
At XXXX am, ( before I was aware a text had been sent to me ), the hackers replied : Yes A follow-up text was sent to my phone, also by TD Bank XXXX XXXX XXXX XXXX XXXX am, stating : XXXX : TD Bank Fraud Dept : Thank you for confirming this activity. Please allow 1-2 minutes before using your card again. If your purchase was declined, you may attempt it again. To XXXX XXXX reply STOP.
Once the hackers got approval on the initial {$410.00} debit charge, they proceeded to make the following additional purchases totaling : {$1800.00} ( SEE LAST PAGE ATTACHMENT ).
In addition, another {$54.00} was added on for International Tax Fees.
It is unfortunate that no follow-up call was made to me from the TD Fraud Department as I was informed by a TD Bank employee at one of the Branch Officers that this same issue has been happening more and more frequently! A simple follow-up call before the funds were released would have prevented all the disputes and problems that have arisen from this issue.
When I finally received a call from someone representing themselves as being a member of the XXXX Bank XXXX XXXX. At that time, I checked my text messages and told the caller that these purchases were NOT made by me. After hanging up the phone, I immediately drove to the XXXX XXXX Branch of TD Bank where I turned in my hacked Debit Card and again told the bank staff there that I had not made these purchases.
To further complicate matters, once the funds had been deposited into my TD account on XX/XX/XXXX, I wrote a check for {$300.00} against my TD account and deposited it in my XXXX XXXX account to cover upcoming bills. Unfortunately, the check was not cleared until XX/XX/XXXX, at which time all of my funds had been stolen! This has now created a series of returned check fees that I am now facing for when, ( and IF ), my funds are returned to my account.
I have gathered documents supporting my case for reimbursement of the money that has been stolen from my account and submitted them to TD Bank for review. Unfortunately I have received XXXX sperate letters from TD Banks Disputes and Claims refusing to accept my evidence and reinstate my funds and are attached. I have listed the claim numbers and dates of each of the XXXX rejection letters as follows : Claim # XXXX XXXX rejection letters dated XX/XX/2022 Claim # XXXX Two rejection letters dated XX/XX/2022 Claim # XXXX XXXX rejection letters dated XX/XX/2022 Additionally, I have attached : 1. A copy of the XXXX XXXX Sheriffs Office call history record of XX/XX/2022.
2. A copy of Complaint # XXXX made to the Consumer Fraud Protection Bureau 3 XXXX A copy of an XXXX from XXXX XXXX dated XX/XX/2022 reporting the discovery of suspicious Apps known to cause fake pop-ups and cause Virus type symptoms on the phone.
I have personally gone to the XXXX and XXXX XXXX offices of TD Bank as well as having made dozens of calls to the TD Bank Help Line and to the Fraud Division asking for proof of the alleged purchases and location of where these items were purchases to no avail.
I have repeatedly asked for the transcripts of all the recorded conversations of my numerous calls to the various entities that fielded my calls to the Bank Help Line and Fraud Division. I have never been able to speak to the same person twice and have been promised, also repeatedly, that someone representing the decision makers would call me to explain why my stolen funds have not been restored.
I have yet to hear from anyone.
I have been a loyal depositor with TD Bank in XXXX XXXX from the first day they absorbed my previous savings institution and took over my business. I am aware that TD is planning to open a Branch Office in the XXXX XXXX area in XXXX XXXX, and I will be very verbal and vocal in repeating the shoddy experience that I have suffered through on very widely read website, XXXX XXXX XXXX XXXX XXXX open to the XXXX households in XXXX XXXX
As a subscriber to the XXXX XXXX XXXX I plan on giving an interview to the financial reporter delineating the type of treatment a TD Banks depositor can expect opening a TD Bank account. I am also active in several clubs and participate in numerous sports throughout XXXX XXXX and will be making it my mission to tell my tale of woe to everyone.
Finally, I will be meeting with a member of Congressman XXXX XXXX office if this matter is not resolved to my satisfaction within the next few days.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX LIST OF CHARGES FRAUDULENTLY MADE ON MY DEBIT CARD XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX A XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$230.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$290.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$170.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$410.00} XXXX XXXX XXXX XXXX XXXX {$12.00} {$12.00} {$8.00} {$8.00} {$7.00} {$5.00} {$54.00} - Additional fees - {$410.00}
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| 01/18/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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Following fraudulent activity on my account in XXXX ( accepted and reimbursed by bank ), my ATM card was cancelled. On XX/XX/2017 I called and asked to be issued a new ATM card. I was told that I would receive it by mail. I never received the card, and on XX/XX/XXXX I checked my account online to discover that on XX/XX/XXXX two withdrawals were made from my account using an ATM card. I called the bank immediately to dispute the charges. I received a refusal letter dated XX/XX/XXXX. The reasons given in the letter were that : 1. there were no invalid PIN attempts ( because I never received the card and did n't set up the PIN! ) 2. No attempts were made with the card after it was closed ( ca n't explain this ). I called customer service at the bank on XX/XX/XXXX to find out that the card was activated by an automated phone service and that all that was required for this was the last 4 digits of my SSN ( from what I understand, information that is unfortunately too easy to come by these days ). I was told that if I wanted to contest and file another dispute, I had to get a police report within 90 days from XX/XX/XXXX and open another claim.
During the weekend of XX/XX/XXXX-XX/XX/XXXX, I visited the local TD branch and the local police precinct each three times in order to get a police report filed. The problem was that the precinct would n't take the report without an address for the ATM machine where the withdrawal was made, and the bank could n't give me the address. I was told over the course of my multiple visits to the precinct that they were aware of several incidents of specifically TD Bank bank cards being stolen from the mail in my zip code. Finally, from XXXX on the bank customer service phone line, I was able to get the phone number for XXXX, the company that owns the bank machine, as well as the terminal number. With this info in hand, I called XXXX and was able to get an address for the terminal that was used for the two withdrawals. On XX/XX/XXXX, I finally completed a police report with Officer XXXX XXXX at the XXXX precinct but was told that I had to call the next day to get the report number. I called almost every day and sometimes multiple times a day to get the police report number. In the meanwhile, I had opened another dispute on XX/XX/XXXX at the bank branch as advised ( met with XXXX XXXX XXXX ), so that I would have proof for the police that I was serious about pursuing the issue. When opening this dispute I was told that I would have 3-5 business days to add the police report number to the claim, which the bank rep and I did n't think would be a problem. Since it did become a problem to attain the report number, the claim went through and was of course denied ( letter dated XX/XX/XXXX ).
Finally on XX/XX/XXXX, I reached SergeanXXXX XXXX XXXX who was willing to help me locate the report. In the end, a return trip to the precinct was required on XX/XX/XXXX to get the report filed. On XX/XX/XXXX, I called the bank 's customer service number and filed another dispute, explaining the situation and giving the police report number. On XX/XX/XXXX ( when I had still not received a response from the bank because the letter was lost in the mail, but later received ) I called the customer service number again to find out the status of the dispute. I was told that the claim was refused because no further details were supplied. XXXX ( the customer service rep ) informed me that a police report number is not sufficient, and that I should have been told to fax them a copy of the report. He then filed for me another dispute and gave me the fax number to use to submit the police report. I faxed the report to the number given the following day. The last refusal letter I received was dated XX/XX/XXXX
Needless to say, I am disappointed and very frustrated with the system. I have followed all advice and taken all steps required of me to pursue this injustice, to no satisfaction. The refusal letters contain very little info, customers are unable to speak to the fraud department directly, and I spend at least one hour on the phone each time I have to call customer service. The customer service reps have very little access to information about the claim refusals plus I never receive copies of any claim they submit in my name, so I have no way to verify that what they transmit to the fraud department accurately represents the ( as you can see, very complex ) details I share with them about the situation.
It wouldnt take anyone looking into my case long to see that it is clearly a case of fraud as : 1. Fraud was committed on same account ( a fact accepted by the bank ) just the month prior ; 2. I have never used my bank card for withdrawals or payments ; 3. The amounts withdrawn were the maximum allowed for the day ; 4. The money was withdrawn not from a TD Bank bank machine but from a portable ATM at a XXXX ; 5. I was told by police at the local precinct that there have been other TD Bank bank cards taken from the mail in my zip code ; 6. TD Bank informed me that all it takes for someone to activate a bank card is for them to call an automated number and give the last four digits of my SSN ( which, as I said earlier, I believe to be unfortunately these days info easily acquired ).
It seems to me that the procedure for filing a dispute at TD Bank is designed to exhaust, and the hope is that I give up and relinquish the claim to my money. I am looking for outside help to move things forward, to compel TD Bank to face up to its commitments to its customers and take a serious look at my claim, taking into account all of the evidence available.
Thank you for your assistance in this matter.
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| 07/10/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I am an XXXX XXXX, and for the fiscal yearXX/XX/2017 I payed my federal taxes in full ( over {$17000.00} ) via written Check out of my TD bank account. The check, written on XX/XX/XXXX, was cashed on XX/XX/XXXX. When I received a notice from the IRS stating that I owed over {$17000.00} in back taxes, I requested the back of the cashed check from TD bank and provided it to the IRS as proof of payment. I was informed by the IRS that the check was not cashed by them, and that it does not have any endorsement on the back whatsoever that would help indicate who cashed it or where.
Accordingly, I contacted TD banks main phone line on Thursday XX/XX/XXXX. After explaining my situation, I was told by the fraud department that it was necessary that I go into my local TD bank branch and sign an affidavit so that the bank could start a fraud investigation in order to track down who cashed the check, where it was cashed, and where the money was deposited. On Friday XX/XX/XXXX I spent over an hour in the XXXX Branch of TD Bank ( located on XXXX XXXX in XXXX Maryland ) speaking with the Manager Ms. XXXX. Ms. XXXX, and a TD Fraud representative she called from her office, informed me that the only way for me to track down the money was to get the United States Treasury ( the name to which the check was made ) sign and notarize an affidavit on behalf of a Payee claiming non-receipt. I clearly expressed my hesitation and confusion as to why I alone can not begin a fraud investigation regarding my own account, or how I am supposed to get the united states treasury to sign an affidavit.
I was assured multiple times that this was the only way and a custom practice, and encouraged to keep calling the IRS until someone agreed to fill it out. After numerous hours on the phone with the IRS and conversations with my accountant, I was informed that the affidavit is not something either had seen before, nor were they willing to sign. The IRS told me that if this is an issue of fraud my bank needs to be in contact with the police and the IRS.
Because I expressed hesitation in being able to get the IRS to sign, Ms. XXXX had given me the contact information of XXXX branchs other manager Ms. XXXX as she would not be in town to assist me if there was an issue. On Monday XX/XX/XXXX when I called the XXXX branch they said neither Ms. XXXX or Ms. XXXX was available, and that they have no way of contacting the branch manager via phone when she is not in the office, so I have to email her personally and request an emergency call back. I emailed Ms. XXXX and received no response whatsoever.
I then called into the main TD customer line and spoke to three different TD representatives. The first representative transferred me after a short conversation. I then spent over an hour on the phone with a representative who told me I shouldve already frozen my account and contacted the police, as my personal identifying information is written all over the check ( SSN, bank account information, personal address ) due to it being a check to the IRS. She was the first employee to tell me this despite them knowing of the fraud in my account for almost a week. She then had me sitting in silence or on hold for an hour just to inform me I need to go back into the XXXX branch with the paper work I already have and sign it myself.
When I told her I was instructed by XXXX staff that that was not an option, and that there is no one of the managerial level there to help me, she stated she too had no one available to help me over the phone, and told me to call back later. When I told her that this was not an option, she put me on another extended hold and transferred me to her supervisor.
Her supervisor again provided conflicting advice, and could not tell me what affidavit I needed to fill out, and then told me to take the one I already have, that is filled out on behalf of the United States Treasury, back to my branch with a police report and try and request again that a fraud investigation be started. She also stated that if the paperwork was accepted, it would take at least 10 days for a fraud investigator. She stated that TD will not refund my missing balance, despite the fact that they illegally released my money on an unendorsed check. When I informed her that I have been given a time limit by the IRS to track down these funds or pay again, she stated she could not tell me how long a fraud investigation could take, or the details of the investigation occurs, stating that the XXXX department that handles the investigation is separate from the banking division.
Since yesterday, I have called my branch again and re-emailed the branch manager in the hopes of gaining any type of guidance as to how to start an investigation with the appropriate documentation and have been met with absolute silence. In speaking to over 7 different TD employees over the course of almost an entire week not a single one of them could even instruct me the appropriate document for me to sign, but all of them stated it is impossible for me to start a fraud investigation into the location of my own money until their fraud department receives a signed affidavit. Due to their outstanding neglect, not only was my money stolen, but my personal identifying information has been compromised, and I now find myself in a position where I am being held liable pay the government a large sum of money that I am not able to pay, as I no longer have the resources. All the while, TD, who I trusted to hold my money safely, is making me jump through endless hoops and directing me towards dead-end after dead-end as I try and get myself help out of the situation they created.
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| 03/30/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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Hello, my name is XXXX XXXX and I am a victim of fraud. On XX/XX/XXXX, I received a call at XXXX pm at work, from someone saying they were from TD Bank 's fraud department asking about some activity that they wanted to make sure was me. The man asked me if I made these XXXX transactions. As someone that has personally never created a XXXX account, I told him no and he said that these must be fraudulent transactions which I agreed. He then said that to grant the money back into my account from XXXX, I needed to individually approve of messages that stated, " TD Bank will not call to respond to this msg. Send {$160.00} XXXX payment to YourAcc.t IMMEDIATELY? YES to Send, NO to Cancel. TD Bank XXXX. STOP to end all msgs. '' The amount of the transaction would be different but the message would be the same for each amount. These transactions would come to total {$3400.00}. The man on the phone told me that my account would be on hold and that I would receive a new debit card in the mail within the next couple of days and would then be able to reset my account. Not long after this call, at XXXX pm on the same day I called the bank back and after a little bit I got a hold of someone and explained what happened and just wanted to make sure everything was all set. This guy that I was talking with at TD said that although he did not see the phone call, it is most likely a real person I spoke with and not to worry, and that he understood these transactions I brought up with this him were in fact fraudulent. He explained to me that even if this money was withdrawn fraudulently, this was not the final step and that the bank would be able to help me afterwards. A couple days later is Friday, XXXX, XXXX, and my XXXX asked me if everything was settled with the bank. I tried to look in my online banking but my log in information was not working. I made a new log in password, opened up my account, and was terrified to see XXXX much larger XXXX transactions to the same person, " XXXX XXXX. '' These XXXX transactions were, {$2400.00} on XX/XX/XXXX and {$2000.00} on XX/XX/XXXX. At this point I drove directly to the bank, located at XXXX XXXX XXXX in XXXX, NH. I spoke with a woman named XXXX XXXX, and explained my issue with her and then made a fraud claim. She let the fraud department know, and I was instructed that I would be notified in XXXX days with their findings. On the tenth day, XX/XX/XXXX I called the bank, and was told that my claim was denied. I then called my uncle, who is an attorney in Massachusetts and drove to his house. We then together called TD Bank and their fraud department. They claimed that my phone authorized these transactions and I was completely at fault. If I wanted to, I could get a police report and file a new claim. I then left my uncle 's place, drove to the XXXX, MA police station and filed a police report. Although my legal address is in XXXX, NH, I have recently moved to XXXX XXXX XXXX, XXXX, MA. The following day, XX/XX/XXXX, I drove to the same TD Bank with my police report to make a new claim. This time I carefully went over everything that happened with both XXXX, and the assistant store XXXX, XXXX XXXX. I told them that I never made a XXXX account and that I got a call that matched the number on the back of my debit card and the number attached to the confirmation text was also a number that connects to TD Bank. They told me that the first person I spoke to was most likely a scammer, but I reiterated that someone hacked my account, knew my personal information to get into my online banking and also created a XXXX account that was attached both to my phone number and email. I should also mention here that the day after I received the initial call, I got an alert from XXXX, saying an unknown device tried to access my email from XXXX, XXXX. I also explained that even after this initial fraud, I called and talked to someone at TD Bank directly, explained that fraud was occurring on my account, and then close to {$4500.00} was still taken out the next couple of days. They said this was very weird and uncomfortably did not know what to say or do and so they called the fraud department. I am not sure why I have to go run around and go into the branch when they eventually just have me speak to someone on a phone anyways, but will not allow me to make that call without driving in. Anyways, I after the explanation, the woman on the other line just explained that they do not cover scams and basically I was out of luck. Baffled at the disrespect and lack of concern towards a customer, I told XXXX to add to my report that I never made a XXXX account and that even after direct contact with someone at the Bank where I explained that there was fraud, a near {$4500.00} was transferred to the same account I claimed was committing fraud. A couple days later, even with the updated claim and the police report, XXXX called me and told me my second fraud claim was denied. I am reaching out to the CFPB, because TD Bank has been completely unhelpful, making me run around without any sort of direction or help in this situation. The bank is trying to completely wash their hands of any responsibility in this situation, and seems to me, trying to deter me from pursuing this matter. Instead of helping me resolve it, they are trying to make sure I do not get this resolved. I am out almost {$8000.00}. All the money I have saved up from working after graduating now is just about stolen from me, while I have to try and pay my rent, student loans, and a car payment. I am pleading with you guys at the CFPB to review my case and please help me. Thank you, XXXX XXXX.
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| 06/22/2022 |
Yes |
- Checking or savings account
- Savings account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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The following report is in regards to a dispute of a decision made by TD Banks anti-fraud services. During the pandemic, in XXXX of XXXX, someone obtained my checking account information and I unknowingly became a victim of identity theft. The accounts affected were my checking account and my savings account. I use these accounts as my emergency funds, and do not routinely check them as I do my main accounts with another bank.
Prior to any fraudulent activity, my checking account balance was {$210.00}, and my savings account balance was {$5000.00}. On XX/XX/XXXX someone managed to obtain my checking account info and began making withdrawals using XXXX account they falsely created in my name. My checking account was reduced to {$0.00}, and over the course of the next few months, they continued to make withdrawals which activated protection. As a result, money from my savings account was automatically deducted via overdraft protection and the funds were drained from that account as well.
There was no notification of any sort from TD bank, and no alert was communicated to me despite the months of suspicious activity ( multiple withdrawals from a {$0.00} balance checking account, causing overdraft protection to siphon off my savings account ). It was only brought to my attention when I received an alert from XXXX XXXX on XX/XX/XXXX stating a TD account was closed. Only upon investigating the alert from XXXX XXXX did I discover how far back the fraudulent activity went. By this time, my checking account balance was at {$0.00}, and my savings account balance was reduced to {$700.00}.
I immediately called customer service on XX/XX/XXXX to report everything and was forwarded to the fraud department who said I would get an answer pending an investigation. I told them explicitly that I expected my accounts to be made whole, as I was a victim of identity theft. Over the next few weeks, I followed up with multiple agents from the fraud department for updates on my claim and kept being told to check back each week. Each time I spoke with an agent I was led to believe that I would get everything back by the end of the investigation. To my surprise, on XX/XX/XXXX, the last agent I spoke with from fraud services said they were only able to refund the most recent fraudulent transaction - a total of {$1000.00} to my savings account, and {$0.00} to my checking account.
I expressed to her that I did not think this was fair. I have been an account holder from when it still belonged to XXXX Bank and was acquired by TD in XXXX. I relied on TDs services to keep my money secure from situations like this. At the very least, I should have been notified of any suspicious activity as many other banks do. Not once was I alerted by TD Bank of my checking account being {$0.00} for several months, nor did anyone catch the suspicious activity of multiple overdraft protection transactions continuously draining my savings account to cover the withdrawals from a {$0.00} balance checking account.
Despite my disapproval of the results, XXXX said there was nothing else they could do citing a policy that requires me to notify TD of any fraudulent activity in the first 60 days of the incident. I reiterated that if I was made aware in a timely manner, I would have notified TD immediately. Nevertheless, the decision was deemed final.
I then tried to escalate the situation with customer service and was forwarded to a supervisor named XXXX who also said there was nothing she could do on her end. She then suggested that I can try sending a letter to the corporate office or go to a local TD Bank branch and speak with a manager.
In XX/XX/XXXX I went to the closest TD Bank branch located in XXXX XXXX XXXX, XXXX, NJ and spoke with Assistant Store Manager XXXX XXXX XXXX who said she would stay in contact with me about the situation. After several weeks of not returning my phone calls/messages, I reached out to the Store Manager XXXX XXXX in who said she would take over the claim from XXXX. She forwarded the issue back to the fraud department who told her the claim is denied because it has already passed the XXXX requirement. She also said she checked for other alternatives on my behalf and came up with nothing. At this point I was at my wits end. The reason why so much time has passed was the lack of communication and slow-moving service on TDs part.
TD Bank continuously promotes their stellar service but the experience I have endured speaks to the contrary. TD Bank failed to alert me of my account having a {$0.00} balance. They have failed to alert me of any suspicious activity, specifically multiple withdrawals from a {$0.00} checking account, resulting in multiple overdraft protection transactions being siphoned from my savings account. Throughout the pending investigation, TD customer service and fraud department gave me the impression the situation would be rectified and my accounts would be made whole. The local TD branch managers assured they would communicate any updates to me, but it was I who kept having to follow up and chase them for an update. As a victim of identity theft and a long-time member, I expected TD Bank to be sympathetic to my situation, but instead was given policy jargon as a reason to deny my claim. None of this speaks to the stellar service they advertise.
As a result, the final balances of my accounts were left at : Checking : {$0.00} Savings : {$1700.00} My original balances before the fraudulent activity were : Checking : {$210.00} Savings : {$5000.00} In total, I have lost a combined amount of {$3500.00}
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| 11/17/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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To whom it may concern.
OnXX/XX/XXXX, I contacted my bank, TD Bank to dispute {$170.00}. The charge was with XXXX XXXX, hotel reservation at " 10min to XXXX XXXX '', XXXX. As of today, my bank failed to help me with the dispute.
On XX/XX/XXXX, I contacted the property manger as stated on XXXX website to cancel my reservation. Few days later, XXXX/XXXX/XXXX, I called to check the status of my cancellation. They said they couldnt reach the hotel. I have to call the hotel to cancel directly. Same night, I called, XXXX, the hotel to cancel my reservation. The hotel put me on hold, then, hangs up on me. Right away, I called the hotel. They put me on hold and hang up on me, again. Same night, I called my bank, TD Bank to begin the dispute process. I started my dispute from XX/XX/XXXX till today. During this time, TD Bank cancelled by dispute twice. The first time they cancelled my dispute without a reason. The second time they cancelled because I did not submit my documents. However, I did submit my documents within TD Bank given time frame. Within few days after they cancelled my dispute, they received my documents. Today, TD Bank said, I have to settle the problem with the merchant myself.
As stated on XXXX website, I can get full refund if I cancelled by XX/XX/XXXX. I tried to cancel my reservation on XX/XX/XXXX. I started my dispute with TD Bank on XX/XX/XXXX. TD Bank should have efficient time to help me with this dispute.
Below, I record the best I can of my communication with the hotel to cancel my reservation and my communication with TD Bank about the dispute.
XX/XX/XXXX : XXXX XXXX The case # : XXXX I called the property manager to cancel my reservation. The phone number was XXXX.
XX/XX/XXXX : XXXX XXXX The case # : XXXX I called the property manager to check the status of my cancellation. The operator said, they cant reach the hotel, thus, I have to call the hotel myself to cancel my reservation. Same night, I called the hotel directly to cancel my reservation. I explained that I would like to cancel my reservation and the operator put me on hold to bring up my records. During the hold time, they hung up on me. This happened twice ; same night.
XXXX XXXX Since the hotel hung up on me twice, I called TD Bank to dispute the {$170.00} charge.
At TD Bank, I spoke to XXXX ( from Georgia ) to dispute the charges of {$170.00}.
His employee ID # XXXX.
XXXX said, he would submit my dispute.
Approximate XX/XX/XXXX : I received a letter from TD Bank that my dispute has been cancelled. I called TD Bank to learn more but no one can explain why the dispute has been cancelled. The operator offered to reopen the case.
XX/XX/XXXX : Approximate XXXX XXXX XXXX I called TD Bank to check the status of my dispute. The operator said the dispute has been cancelled. She cant offer an answer. I request her manager to call me to explain further.
XXXX XXXX : A superviser, XXXX ( spelling ) called me.
Her employee ID # : XXXX She said she would look into the case and call me back within 3 business day. ( She never did call me back. ) XX/XX/XXXX XXXX XXXX I called to TD Bank to check the status of my dispute. The operator, XXXX, has no updated info to offer.
Her employee ID # : XXXX XX/XX/XXXX : XXXX XXXX I called to TD Bank to check the status of my dispute. The operator, XXXX, has no updated info to offer.
His employee ID # : XXXX XX/XX/XXXX : XXXX XXXX I called to TD Bank to check the status of my dispute. The operator, XXXX, said, a letter from TD Bank has been send out to me on XX/XX/XXXX about submitting my documentations.
Employee ID # : XXXX XX/XX/XXXX, night I received TD Bank letter requesting documents needed for my dispute.
XX/XX/XXXX, afternoon : I mailed my documents with TD Bank envelop provided.
XX/XX/XXXX, morning hours I received a called from TD Bank that they havent received my documents yet. The operator gave me a fax number to fax in my documents.
XX/XX/XXXX afternoon I faxed my documents to TD Bank.
XX/XX/XXXX. XXXX The night before, I received a letter from TD Banking about cancellation of my dispute, again. I called to asked about why the dispute is being cancelled again for the 3rd time.
I spoke to XXXX, her employee ID # XXXX.
XX/XX/XXXX, Lunch time I called to check the status of my dispute ; XXXX said they minimum 10 business days to review the case.
I requested the manager to contact me.
I spoke to XXXX and she said she has no ID #.
Right after I hang up with XXXX, I called TD Bank again to check the status of my dispute. XXXX put a note on my account to have the manager to call me. ( Manager never called. ) XXXX ID # : XXXX.
XX/XX/XXXX, XXXX XXXX I called to check the status of my dispute. I spoke to XXXX. She said they received my documents. My paper work has been elevated to the manager to be review for case to be re-open.
XXXX ID # XXXX XX/XX/XXXX, lunch time I called to check the status of my dispute ; no updates yet.
I spoke to XXXX ; she said she has no ID #.
Right after I hang up my phone with XXXX, I called TD Bank again. I spoke to XXXX and her ID # is XXXX.
XXXX said my case has no updates yet. They need 10 business days to review my paper work.
XX/XX/XXXX, XXXX XXXX I called to check the status of my dispute. XXXX said since my case had reopened before, they will not reopen the case again. I have to resolve the problem with the merchant myself. XXXX said she has no ID #.
Right after I spoke to XXXX, I called TD Bank again. XXXX confirmed XXXX info that TD Bank will not reopen my case. XXXX ID # XXXX.
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| 06/12/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Wrong amount charged or received
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Web |
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We are submitting a complaint because TD Bank signed a contract with us saying the recipient would receive a certain amount in XXXX reais, but the recipient received the money in US dollars, in a much lower amount than was sent. The XXXX wire was not received from TD Bank, it was received from XXXX XXXX XXXX. And besides receiving a lower amount in dollars, the money was converted to reais at an exchange rate that we did not agree upon. The total amount received is significantly less than what we agreed to. We have been trying to get answer from TD bank for almost 12 weeks, and they never explained to us the reason for the discrepancy. TD Bank originally said that perhaps there were fees charged by the local recipient bank. We have shown documents provided by XXXX XXXX XXXX and the recipient that the only fee charged is the IOF fee of 0.38 %. Another very strange fact in this transaction is that XXXX XXXX XXXX did not receive the money directly from TD Bank or in reais. The money was sent by another bank, XXXX XXXX XXXX. Even with this, TD Bank still has not given us the missing money back. Because they keep blaming the discrepancy on fees charged by the local bank, which we have proven no fee has been charged, we also decided to send a wire through XXXX XXXX to the same recipient, and there have been no issues and the recipient received the expected amount which we also communicated to TD Bank through three people.
We first contacted the branch manager ( XXXX XXXX, XXXX ), who then quit and we were never notified. Then we contacted the branch manager who replaced XXXX XXXX XXXX XXXX, XXXX ) who informed us they would do an investigation, and so far we have not received an outcome. Initially XXXX did not want to give me his managers contact information, and after weeks of not resolving the problem, he finally provided me with his managers name ( XXXX XXXX, XXXX ). XXXX called us on XX/XX/XXXX, and we made him aware of the entire situation. Today is XX/XX/XXXX and we have not received an email from XXXX nor a resolution from XXXX. In this entire process, TD Bank said that they dont know why XXXX XXXX XXXX is involved, why they took the money in reais and converted it to dollars, at an exchange rate that we did not agree on. We were never informed that a middle bank would be part of the process, but the main issue is that a middle bank converted the money to dollars, and then the XXXX XXXX XXXX converted the dollars to reais. So TD Bank said we could send the money in reias, so in this process the money started in dollars, TD Bank sent it in reais, XXXX XXXX XXXX converted it to dollars, and then XXXX XXXX XXXX converted it to reais again. The agreement in our contract with TD Bank was supposed to be them converting the amount to reais which would be received by XXXX XXXX XXXX, but it went from dollar to real, converted to dollar, then back to real again without our consent. Because of all that, the amount received was much less than promised because of all the conversions. Please note that none of this was communicated prior. We were originally going to send the money in dollars from TD Bank, but XXXX ( the TD Bank employee who sent the wire ) advised that we could send the money in reais, and the advantage is we would know exactly how much the recipient would receive. If we knew this would be the process, we would have sent the money in dollars which was our original plan.
Here are the details of the transaction : XX/XX/XXXX : We went to TD Bank and sent the wire. XXXX advised that we could send Brazilian reais, and a benefit of that would be we would know exactly the amount the recipient would receive since the exchange rate would be locked. The value in US dollars that was withdrawn from our account was US {$76000.00}, the exchange rate was XXXX, and the recipient was supposed to receive the money in reais in the value of R {$350000.00} ( see document called TD Bank Wire Contract ). However on XX/XX/XXXX, the recipient sent documentation that the XXXX XXXX XXXX received the amount in dollars, in the amount of {>= $1,000,000} ( see document called XXXX XXXXXXXX XXXX ). We also provided 2 more documents to TD Bank that proves that XXXX XXXX XXXX converted the dollars using the exchange rate of XXXX, and that the only fee applied was for 0.38 % of the value received in the amount of XXXX reais. See documents called XXXX XXXX XXXX. And we also have the recipient bank statement showing that she received XXXX reais, showing again that XXXX XXXX XXXX only charged the 0.38 % XXXX fee see document Recipient bank statement. We also provided TD Bank with the official document from XXXX XXXX XXXX showing the details of the wire received in dollars and the exchange rate that they used to convert to reais. See document called XXXX XXXX XXXX exchange contract.
XX/XX/XXXX : We went to TD Bank and spoke with XXXX XXXX and gave him all the information. Two weeks later after many phone calls, we found out that he was no longer with TD Bank, so we started contact with XXXX XXXX the new branch manager. We shared all documents with XXXX, and he told us that he was forwarding all documents to his manager.
XX/XX/XXXX : XXXX sent us an email showing that TD Bank was trying to communicate with the XXXX XXXX XXXX through the XXXX XXXX. We worked with XXXX and did not get a resolution, so he finally told us that his manager would contact us.
XX/XX/XXXX : XXXX XXXX, XXXX XXXX, first contacted us. Since then, we have not heard from XXXX, and there is still no resolution.
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| 01/30/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
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I write in regards to my checking account with TD Bank. As explained below, TD Bank has unreasonably restricted my access to the funds in my checking account by refusing to issue a replacement debit card and refusing to restore my online banking access.
On XX/XX/XXXX, I logged in to TD Bank 's online banking site to make a transfer from my checking account. The website would not allow me to proceed and said my account had been " suspended. '' I called TD Bank 's customer service line and the TD Bank telephone representative stated that my debit card had been locked because the bank suspected possible fraud. I checked my transaction history online, and did not see any unauthorized charges. However, the TD representative said that there were several suspicious transactions from XXXX, so the debit card, as well as online banking, was locked by TD Bank. The representative said I would not be able to access online banking to transfer money to my external account, nor would TD be able to issue a replacement debit card until I physically made it into a TD branch.
I explained that I am on the west coast and that there are no local branches. After 35 minutes of being on hold, the representative instructed me to send a " secure email message '' to customer service through TD 's online banking website. The phone rep stated that the email message should specifically request that a replacement debit card be overnighted to me and that I must specifically state in the message that " I take full responsibility for delivery of the card to this address. '' As instructed, I sent the secure message through TD Bank 's online banking system that same day ( XX/XX/XXXX ). After the message was submitted, the website said that a response would be received within 24 hours.
Four days later, I still had not received a response to my XX/XX/XXXX message. I sent a follow-up message through the online banking site on XX/XX/XXXX. I received the following response : " Thank you for contacting us in regards to your debit card request. Your debit card request was received today ; however, we are unable to process your request as we show there is an account currently in a Charge Off status in your name. We ask that you please contact our Recovery Department at XXXX to resolve the Charged Off account. Once this has been cleared, we will be able to issue a new debit card. '' I was unaware of any " charge off '' account and do not have any loans or credit lines with TD Bank. I was confused as to how the alleged " charge off '' prevented TD Bank from issuing a replacement debit card for my checking account and how the bank could use the alleged " charge off '' to restrict me from doing an online transfer.
I called the " Recovery Department '' as the email message from customer service instructed, but the automated telephone system would not let me proceed, nor would it connect me to a Iive representative. The automated system kept requesting an account number and each time I entered my checking account number, I heard " we don't recognize that account number '' and I was re-routed to the general customer service line, where the automated system said that the hold time exceeded 20 minutes. I stayed on for 45 minutes without ever reaching a representative ; I tried again and waited over 25 minutes. I then sent a reply to the email message I had received stating that I had tried the " Recovery Services '' number provided, but was not getting through. TD Bank responded via email : " We have reached out to our Recovery Department for assistance with this matter. They have confirmed that they do not have record of a phone call with you within recent history. '' Next I tried contacting the branch in XXXX where my account was originally opened in XXXX. I explained that without notice TD Bank had completely cutoff my access to the money in my checking account. I read the branch rep the email response I received and explained that I had no idea what the charge off was about and that I had been unable to reach anyone through the number that was provided. The branch rep confirmed that my checking account was in good standing, but he said that my old savings account ( which I had not used and did not keep a balance in ) had accumulated unpaid " maintenance fees. '' I explained that I had previously spoken to a number of reps about closing that savings account, but the rep said the only way to actually close the savings account ( and stop accumulating the monthly fees ) would be to physically visit a TD Branch. Again I explained that I am on the XXXX XXXX, that I receive Social Security income, and could not travel to the XXXX XXXX. The branch rep told me that there was nothing that they could do ; TD would restrict access to my checking account funds until I paid whatever " charge off '' amount TD had assessed in connection with the unpaid savings account fees. I asked for more information and documentation concerning the savings account " charge off '' as well as information as to what authority TD had to keep me from accessing the unrelated checking account. I was told to contact customer service via phone. No one was able to even tell me how much the " charge off '' amount was for. In the meantime, I have gone nearly six days without being able to access my money because TD Bank refuses to issue a replacement debit card and TD Bank refuses to restore my online banking access so that I can transfer my funds to an external account.
Thank you in advance for your attention to this urgent matter.
Best, XXXX XXXX
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| 12/04/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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TD AUTO FIN is alleging I owe them a debt. I am requesting the book entry ledger for TD Auto Fin to prove I am indebted to them. I provided my letter of credit for this credit sale and TD Auto Finance has withheld all the proceeds from the sale. TD Auto Finance continues to profit from my credit while the account has been terminated. Federal law states any consumer account that is terminated a balance over a {$1.00} should be returned to the consumer. I have not received any proceeds from TD Auto Finance.
12 CFR 1026.11 - Treatment of credit balances ; account termination.
CFR State Regulations prev | next 1026.11 Treatment of credit balances ; account termination.
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
( b ) Account termination.
( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.
( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.
( c ) Timely settlement of estate debts ( 1 ) General rule.
( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner.
( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account.
( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner.
( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely.
( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ).
15 U.S. Code 1692d - Harassment or abuse U.S. Code Notes prev | next A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.
( 4 ) The advertisement for sale of any debt to coerce payment of the debt.
( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.
15 U.S. Code 1692j - Furnishing certain deceptive forms U.S. Code Notes prev | next ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
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| 10/13/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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On XX/XX/2021, I sent an outbound wire request from the XXXX XXXX, NY TD Bank Branch ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) in the amount of {$81000.00} to the beneficiary XXXX XXXX XXXX, XXXX.
On XX/XX/2021, I was advised that the XXXX XXXX XXXX had not received my funds because the wire instructions that I was provided were not correct. I was advised that their paralegal sent me the wrong instructions and that my money was sent to XXXX XXXX when they actually bank with XXXX XXXXXXXX XXXX. I was told that I was a victim of wire fraud and that I would need to file a wire recall with TD Bank.
On XX/XX/2021 at XXXX XXXX, I went into the XXXX XXXXXXXX XXXX NY TD Bank Branch and sat down with branch manager XXXX XXXX XXXX advised me that he would file a wire recall request and that I would receive an update within 3 to 5 business days. I called XXXX at XXXX on 2-hour intervals from XX/XX/XXXX until XX/XX/XXXX looking for an update. Each day XXXX advised me that there was no update and that there was nothing more he could do for me. On XX/XX/XXXX I received a call from XXXX advising me that the wire recall request was rejected and that I would not get my money back. XXXX advised me there was NOTHING more that TD Bank could do to help me.
On XX/XX/2021 I contacted XXXX XXXX XXXX and spoke with a representative in their Loss Prevention Department ( XXXX ). This representative advised me that the transaction where I sent {$81000.00} was flagged for fraud because it was not characteristic of the account. I was advised that the money was frozen and could only be released back to TD Bank if TD Bank filed an indemnification or hold harmless letter. I have a recording of this phone call.
I contacted TD Bank at XXXX on numerous occasions advising customer service of what XXXX XXXX XXXX had told me. I was told there was NOTHING they could do other than wait for XXXX XXXX to respond to the wire recall request that was submitted on XX/XX/2021.
On or about XX/XX/XXXX, I convinced XXXX at the XXXX XXXX, NY TD Bank Branch to file a claim to open a GSI Investigation. XXXX advised me that it would take 5 business days to get an investigator assigned. From XX/XX/XXXX to XX/XX/XXXX I called XXXX on 2-hour intervals asking for an updated to which his response was GSI will respond when someone is assigned and there was nothing more that he could do for me. He advised me that GSI does not take inbound calls and they only had a form that could be submitted.
While waiting for a response, I called my local FBI field office and was assigned XXXX XXXX XXXX XXXX ( XXXX XXXX ) to help me with my complaint. XXXX XXXX XXXX sent an email to TD Bank on XX/XX/2021 at XXXX requesting for someone to reach out to me to coordinate sending the hold harmless letter.
At some point after XX/XX/2021, I received a call from XXXX XXXX in GSI ( XXXX ) who advised me that the XXXX assigned to my case was on leave and that no one was handling my case. He advised me that he would try to help get my letter sent to XXXX XXXX so they could refund my money. It was not until XX/XX/2021 that XXXX XXXX received the hold harmless letter. According to XXXX XXXX, XXXX XXXX can take 6 to 9 months to respond to this letter.
On XX/XX/XXXX, I called XXXX XXXX XXXX and was advised the money was refunded back to my TD Bank account in the amount of {$81000.00} on XX/XX/XXXX. I didnt have that money but was assured by everyone that it could take some time to clean XXXX XXXX general ledger and TD Bank could possibly have the money in their General Ledger before assigning it to my bank account.
I later found out that XXXX XXXX DID NOT send the {$81000.00} back to my account. They received an indemnification letter on XX/XX/2021 from XXXX XXXX XXXX XXXX for a customer that was defrauded by this same bank account before XX/XX/2021 for an excess of {$100000.00}. XXXX XXXX used the {$81000.00} that was placed on hold for fraud ( from my TD Bank Account ) to send back to XXXX XXXX XXXX XXXX to indemnify their customer. I have been advised that had TD Bank filed the paperwork before XX/XX/XXXX that I would have received the {$81000.00} back to my TD Bank account.
At this time, I am requesting a formal investigation into these allegations. TD Bank has failed to protect the money that I trusted them with. At each level, from the branch, to the wire department, to customer service, and to GSI, there has been multiple failures that resulted in a significant financial loss to my family. TD Bank failed to file paperwork in a timely fashion with XXXX XXXX to recover the funds that they flagged as fraudulent. TD Bank failed to comply with my request to file this paperwork on XX/XX/2021. Had TD Bank acted properly, the request to GSI would have been submitted on XX/XX/XXXX, and processed within XXXX business days to be received by XXXX XXXX on or before XX/XX/XXXX.
I look forward to a prompt response and a thorough investigation.
After speaking with a customer service supervisor at TD Bank XXXX, I was advised that my only course of action is to mail a letter to TD Bank Chairman Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX. I typed the letter and tried to mail it from a USPS location and was advised that this address does not exist. I was told by the USPS that the closest address matching this one is XXXXXXXX XXXX XXXXXXXX, XXXX XXXX NJ XXXX which is a small used car dealership. TD Bank is not communicating with me and providing me with fictitious mailing addresses to mail my complaint.
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| 01/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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*** REVISED*** PLEASE DO NOT DELETE THIS COMPLAINT The vehicle in question was never delivered to me the vehicle was delivered to a gentleman who worked on my credit back in 2018. Prior to purchasing my home in late 2018 I needed to build and repair my credit I contacted a gentleman who claimed to be " XXXX XXXX '' XXXX assisted me in building my credit well over XXXX 's and I was very happy with his service. Shortly after the purchase of my home XXXX stayed in touch and would tell me about his success in leveraging his high credit score to sign and drive vehicles and he had great connections at XXXX XXXX. I did not make a commitment to going into business with him but I was interested in signing and driving a XXXX. I did order the vehicle and the vehicle was to be delivered to my home at XXXX XXXX XXXX but once I signed for the vehicle that ddid not happen.Some how the vehicle was delivered to him which I dd not authorize or consent the dealership to do so XXXX shortly after confirmed that he was in receipt of the vehicle which upset me but he smoothed it over as a misunderstanding and he thought that I wanted him to the rent the vehicle. I contacted the XXXX XXXX Police Department and they stated that because I was never in possession of the vehicle I could not report it stolen I contacted the XXXX Police Department and I was told the same thing so I was put in the position to play it cool until I could figure out a way to get the vehicle returned because shortly after he notified me that he had the vehicle he became extremely hard to get in contact with and doing more research I found out that his name was not even XXXX XXXX. When I called XXXX XXXX they did investigate the issue with the delivery of the car who was done by a sales representative name XXXX and they are aware of who XXXX XXXX is but to protect themselves they pretty much just gave me the run around about what could be done to take the car out of my name. XXXX did pay the car note on the vehicle according to TD Auto Finance but at some point he stop making the payments and stop answering my calls overall so once the vehicle started to hurt my credit I reached out to my realtor to see if she could make contact and she was able to track him down and let him know not only was this fraud but that I would seek legal action he himself would not return the vehicle he made arrangements with some friend of his to drop the vehicle off to my home which is how I ended back up in possession of the vehicle. I have contacted TD Auto Finance to only get the run around from them and some representatives just dropped the line when I asked too many questions in regards to the loan. I have reached out to the credit bureau 's completed the identity theft affidavit and the account was removed from all of the bureau 's except XXXX. I have filled a XXXX complaint and the account still has not been removed from XXXX. The most helpful rep I spoke to was XXXX ( XXXX ID XXXX ) based on our conversation it came to my attention that XXXX had updated the account to only have his contact numbers the original number on file was XXXX and he then later changed the number to XXXX. XXXX which has never been my telephone number and also means that he made calls to TD Auto Finance and used my information to verify the account. I called in to TD Auto Finance and spoke to a XXXX XXXX He advised that there is nothing TD Auto Finance can do and that my best recourse would be to hire an attorney and sue XXXX XXXX which I am still in the process of exploring because when I call XXXX XXXX they now state that XXXX the sales rep no longer works there and now they transfer me to XXXX XXXX who then tells me to go back to them. I have done further research and I have found out that " XXXX XXXX '' real name is " XXXX XXXX '' and he is a career criminal who has spent time in the federal prison for identity theft. TD Auto Finance believes that I am responsible for this vehicle because I signed for the loan but I also have never been in possession of the vehicle due to fraud which should make our contract null and void in connection to the dealership failing to deliver the car to me. The police departments would not allow me to report the car as stolen because it was never in my possession and TD Auto Finance still hold me liable for a purchase that was never completed. When I purchased my home after I signed for my loan I received the house I did not receive the XXXX when I signed the loan for the vehicle. XXXX XXXX has used my personal information to alter the account and channel communication to himself instead of myself which is both fraud and identity theft. Please see the attached identity theft affidavit, letters, XXXX XXXX criminal record for previous identity theft, and as of today instead of reporting this matter as auto theft I have filed a new police report claiming identity theft instead. ADDITIONAL INFO : Please see that XXXX XXXX switched the contact information including the address to his address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX which matches the address on his criminal charges which I have also attached he was formerly charged with XXXX XXXX XXXX and Personal Use of ID. The application of TD Auto Finance records is not the application that I completed the signature does not belong to me. The telephone number does not belong to me as mentioned earlier I have never had a XXXX. I have never worked for XXXX University I am 100 % XXXX XXXX Veteran. Please compare signatures from my ID and XXXX.
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| 06/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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hello good afternoon this complaint is on Target and XXXX when it comes to inaccurate and inconsistent reporting.
XX/XX/XXXX I sent target a direct dispute as well as a copy of my credit reports regarding the fact that all XXXX consumer reporting agencies XXXX XXXX and XXXX are all reporting a different running of reporting expiration date which may be causing the date of 1st deliquency date to be manipulated.
XX/XX/XXXX I sent the XXXX consumer reporting agencies a dispute based on the same reason attaching my actual credit reports to support my dispute.
XX/XX/XXXX Target has responded saying they have notified the consumer reporting agencies with the correct date of 1st deliquency date and for me to reach out to the consumer reporting agencies to basically find out what that date is.
XX/XX/XXXX I sent target another letter requesting what that date is because at the end of the day there the data furnisher whom furnishes information to the consumer reporting agencies to report anyway. Why wasn't the correct date of 1st deliquecy date notated in their correspondence letter for me to know?
XX/XX/XXXX I sent in another dispute to the consumer reporting agencies basically asking them what the correct date of 1st deliquency date is because target has responded and said for me to reach out to the consumer reporting agencies.
XX/XX/XXXX experian has furnished me with my results claiming to have updated this account. well to my surprise the On Record Until is still reporting the exact same XX/XX/XXXX as my before results. The only Update XXXX has done was updated the Balance Updated from XX/XX/XXXX to XX/XX/XXXX. The payment history still does not prove the On Record Until is accurate and here is why. according to the Payment History the date of 1st delinquency date, which is the first 30 days this account led up to a charge off, occurred XXXX XXXX to my understanding in the Fair Credit Reporting Act law 1681c ( c ) Running of Reporting Period - The 7 year period SHALL begin with respect to ANY delinquent account that is placed to charged to profit and loss or subjected to any similar action, upon the expiration of the 180 day period BEGINNING on the date of the COMMENCEMENT of the delinquency which IMMEDIATELY preceded the charge to profit and loss or similar action. The way XXXX is reporting this account or shall I say the way this data furnisher target is furnishing this account to the consumer reporting agencies is going against this FEDERAL law and is a DIRECT violation under the FCRA. so if target is furnishing the date of first delqiuency in the payment history to be XX/XX/XXXX, then how the heck can the On Record Until be XX/XX/XXXX? so your telling me ACCORDING TO THE PAYMENT HISTORY this account first went deliquent XX/XX/XXXX but the estimated FEDERAL removal time is 7 years and 8 months later? The payment history is reporting a ACTIVE history on this closed account. This account closed to any further purchases XX/XX/XXXX so why the active history? This active history is manipulating my utilization making it seem like this account is current and open. This data furnisher reports the status as " account charged off {$2900.00} WRITTEN OFF {$2900.00} PAST DUE as of XX/XX/XXXX ''. to my understanding this data furnisher has wrote this account off with the IRS by submitting a XXXX, they got there funds accounted for with the IRS for the same exact amount that was charged off so please explain to me how the exact same amount is past due? Please inform Target to send me the XXXX that they had submitted for my files. Lastly I would like to include In the COMMENT section of my experian consumer report says the EXACT SAME in the CURRENT and PREVIOUS fields in my BEFORE and AFTER results. If this data furnisher investigated this INDIRECT dispute with the experian previously wouldn't the PREVIOUS field be updated with that information? I have included my before and after results that experian has furnished to me XX/XX/XXXX. I am tired of going back and fourth with this INACCURATE account. Target fails to send me any form of information regarding this accounts reporting. I have gotten NO PAYMENT HISTORY, DATE OF 1ST DELIQUENCY DATE or XXXX from this data furnisher Target. there correspondence letter DID NOT SPECIFY what the CORRECT date of 1st deliquency date is. This data furnisher has already been proven to have reported inaccurate information with the consumer reporting agencies and I have already put them on notice for it under XXXX. I would like to include that this account has never been challenged based on the ownership of this account, this account has always been challenged based on the BLATANT INCONSISTENT and INACCURATE information that this data furnisher is furnishing to the consumer reporting agencies and XXXX is failing to provide me with VALID and CORRECT results. This matter must be handled accordingly because at this point my rights are being violated. I've done my part as a consumer whom this report relates and these cryptic tactics are not being accepted as accurate reporting. The results XXXX has furnished to me are INVALID and my AFTER results are INACCURATE still.
I am requesting from target the XXXX form submitted to the IRS, I want target tto specify what the CORRECT date of 1st deliquency date is, I shouldn't have to reach out to the consumer reporting agencies to obtain this information when target is the one furnishing this information to them, I want the FULL payment history on this account.
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| 07/06/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Older American |
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In early XXXX, when I was travelling in Maine to my daughter 's graduation, I received a phone call from someone claiming to be from TD Bank. She said " there was a problem '' with one of my accounts ( I think my family has five accounts there ), but would provide no other information, because, she said, it wasn't safe to do so over the phone. She suggested that I call the TD bank 800 number or contact my local branch office ( in XXXX, MA ) who would tell me what was going on. That, she said, would be safer for me. She made no attempt to get any account numbers or any other information from me. So, while it could have been a prank, it evidently wasn't phishing.
I promptly called both the consumer line at TD and my local branch, but neither knew anything. There were no notes on my account, no withdrawals that I couldn't identify. So I figured it was a mistake or a prank and tried to forget about it. However, about a week later I received a letter in the mail from TD Bank telling me to go to my local branch, where my wife and I should close out an old line of credit we hadn't used in many years and replace it with a new one, since there had apparently been a suspicious withdrawal from that account ( though I couldn't see any such transaction at my account online ). So we did this, via affidavit, in front of the bank manager in XXXX, MA.
I then assumed this matter was finished. But a couple of weeks later, I got a letter from TD, dunning me for an unpaid bill on this newly created account and warning me that they would report this matter to credit agencies if I did not promptly pay. I went back to the online bank site, and now saw a balance of about {$7100.00} on our long unused line of credit. We had not used this new account any more than we had the old one. That balance had apparently been transferred from our old account to this new one. I checked to see when any money came out of it : and found that it was indeed XX/XX/XXXX, a couple of days before I received the mysterious call in Maine.
Outraged that I should be required to pay bills for a withdrawal that TD knew to be fraudulent, I naturally spent about half of several days talking/complaining to all the various people at the Loan Servicing and Fraud Units to whom I was transferred. Several people there were quite sympathetic : they were also astonished that I would be asked to pay bills to service loans for funds that TD knew quite well I had not received. But nobody could actually help me. One woman in the fraud unit told me that fraud investigations can take two or three months and that someone would likely be contacting me : she had no contact information herself to give me, however. So I can not contact them. This issue brought to mind that I had occasionally been getting calls from something my phone identified as " XXXX XXXX, '' and the people claimed to be from TD bank. But as those people always asked me for either my account number or my Social Security Number, I always told them I was not comfortable providing such info over the phone to a number that I couldn't verify publicly. And my reluctance on this matter seemed confirmed when I PMed TD bank the phone number through their online portal and received the response that they did not recognize it : so I was apparently right to be wary.
One suggestion I did receive from the Fraud Unit was to go back to my local branch and see if they knew anything more. So, my wife and I went back there and again met with the manager. She still knew nothing, but called the TD HELOC department and eventually got through to someone who suggested that she email our questions/complaints to the person from whom her branch originally received the instruction that I close out my original account and replace it with a new one. She did this. But I have heard nothing since.
In the meantime, I was counseled to pay the approximately {$75.00} charges I'd be receiving each month until the conclusion of " the investigation '' ( which, again, I may actually be holding up by not talking to " XXXX XXXX '' when they call me ). I suppose I should be glad that only about {$7000.00} was stolen rather than {$170000.00}, considering what my monthly minimum balance would be in that case. I was also assured by both this branch manager and the Fraud Unit that at the end of " the investigation '' I'd will be reimbursed for any money I paid for servicing this loan. Obviously, though, based on what's gone on so far, I have very little confidence in that actually happening. Also suppose " the investigation '' takes longer than the average 2-3 months. A year, perhaps -- maybe two! How much am I supposed to give them with so little confidence in ever being repaid for servicing a debt for which I received no funds?
So, I'm looking for help from your agency on this matter. If TD Bank has no information suggesting that I received any benefit from this XX/XX/XXXX withdrawal, why can they require payments from me, assess penalties for non-payment, and possibly harm my credit rating? That institution seems to have known right away that this was a fraudulent transaction. They immediately froze the account ( something for which I'm grateful, of course ). But if that's the case, why am I required to service the debt?
I hope you can help : I mean, if I could bill TD for the amount of time I've already spent on the phone or in the branch over this matter, THEY would owe ME a substantial sum.
Many thanks for any assistance you can provide.
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| 12/07/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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TD Bank regularly advertises promotional offers to prospective new clients who wish to open a new checking or savings account. These promotional offers include a cash bonus that is deposited into the client 's account after certain requirements are met. One of TD 's websites used to advertise these promotions can be found at URL : XXXX. I discovered this particular web page in XXXX XXXX 2021 after conducting a XXXX search for the phrase " best bank account bonuses 2021 ''. One of the top results from this XXXX search is XXXX, a financial services company that provides banking and credit card information and advice to consumers. After browsing this webpage, I eventually found my way to the following URL : XXXX XXXX XXXX On this webpage is a thorough description of the promotional offer that TD Bank was offering at the time ( in XXXX of 2021 ) and also a DIRECT link to TD 's actual offer page ( see the phrase 'Direct link to offer ' - which is hyperlinked ). Once I clicked this hyperlink, it took me to XXXX. ( Still to this day, the link points to XXXX ) I very carefully read all of the information displayed on the URL XXXX, including the 'Disclosures ' section at the bottom of this page. To be safe, I also printed a copy of the webpage on XX/XX/2021, right before I began the application process by clicking the 'Open Accounts ' button on this page. I have uploaded a copy of the webpage printout to this complaint. You will see that the URL and the date is included in the printout. You will also see the full extent of the Disclosures section and you will that there is absolutely no mention of the offer being available only to recipients of a special email or mailer.
I finished/completed the application process to open a 'TD Beyond Checking " account and a 'TD Beyond Savings ' account on URL XXXX on XX/XX/2021. In the days subsequent to this, I funded the accounts and proceeded to satisfy each of the requirements listed in the Disclosures section in order to receive the bonus.
On XX/XX/2021, I called the TD Bank corporate telephone number at XXXX shortly after providing initial funding of the accounts. I spoke to representative XXXX. I specifically asked XXXX if I was on track to receive the advertised bonus. XXXX advised : 'As far as you being on track to receive the cash bonus ... .you are. '' At no point did XXXX indicate that I was not qualified to receive the promotion bonus. She also did not mention anything about a wrong URL or a special invitation mailer or email that was required in conjunction with the promotional offer that I was applying for. I have a complete recording of this phone conversation that took place on XX/XX/2021.
Throughout the following months, I proceeded to meet all of the remaining requirements described in the Disclosures section of URL XXXX. Then in late XXXX of 2021, I checked the status of my TD bank accounts using TD 's online consumer banking portal. I immediately noticed that the bonus had not been deposited, despite my expectation that the bonus would have been deposited by then, since I appeared to have met all of the necessary requirements. I then called the corporate number at XXXX again and this time spoke to representative XXXX. During this conversation on XX/XX/2021, XXXX was the first of several TD reps to mention the existence of a mysterious 'mailer ' program with an alternate URL address that allegedly prevented me from receiving the bonus. Ultimately, XXXX concluded that it was not entirely clear why the bonus had not been deposited, so she said she will send an internal email to the 'Promotions ' department to inquire. This began a nearly XXXX episode of nearly a dozen follow-up phone calls to TD, only to be repeatedly told that I don't qualify for the bonus and the only explanation why I didn't qualify is that I applied while 'using the wrong website '. I spoke to TD reps on the following dates : XX/XX/2021 ( corporate ) XX/XX/2021 ( local branch ) XX/XX/2021 ( local branch ) XX/XX/2021 ( local branch AND corporate ) XX/XX/2021 ( corporate ) XX/XX/2021 ( corporate ) XX/XX/2021 ( corporate ) XX/XX/2021 ( corporate ) XX/XX/2021 ( corporate ) The common theme of each of these phone calls was that the reps I spoke to would indicate that I *should* qualify for the bonus, but that the decision was ultimately up to the Promotions Department XXXX The only option for the reps was to email the Promotions Dept and ask for clarification, which the Promotions Dept never provided. I asked if I could speak directly to a member of the Promotions Dept and was told 'no, they don't have an inbound phone # '. I then repeatedly asked the reps to ask the Promotions Dept that if the URL I visited ( XXXX ) was the 'wrong ' URL, then what is the correct URL? The Promotions Dept never answered this question and never answered my request to present evidence as to how they concluded that I went to the 'wrong ' URL. Again, they never responded, but instead simply stated that the bonus was denied for using wrong URL. I have complete recordings of each of these phone conversations as well.
I believe that, at best, TD bank committed a clerical error in determining which website I used to apply for these accounts. At worst, I believe they are maliciously hiding/distorting facts to avoid having to pay out this bonus. I at least have some limited evidence as to my version of events. So far, TD has provided absolutely NO evidence to back their claims.
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| 12/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Hello CFPB!
Now that the dust has almost settled ( taking a long time for the dust to settle, ) there remains an outstanding issue what we define as abusive lending practices from TD Bank. We purchased two new construction properties and secured lending for both with TD Bank.
_____________ BACKGROUND _____________ For the record, we have had several mortgages with TD over the years and all went smoothly. The below experience was such a shock to us, especially for TD Bank. Maybe these were newer staff members inside lending. We are not a disgruntled customer of TD Bank ( we even opened 4 new checking products since ) and we do not have an axe to grind. We were treated terribly and taken advantage in such a major way. Experience was horrible, and we were treated worse when trying to reconcile and work w/the bank.
TD Bank offers some of the best rates for many situations so it is hard to avoid TD Bank for loans. We even checked on an additional loan months AFTER this terrible experience because the rates were hard to ignore ~ equally disgusted on this experience as well ... story for another day. Point being, we do not have an axe to grind, TD did take advantage ( in a big way ) and we were treated horrible.
We are agreeing to publish the description in the hopes that, at a minimum, others will be aware not to trust the innocent sincere sounding voices of TD Bank lending, to expect TD to go back on their word ( even their written word ) and to expect being treated like a criminal if you express concerns about the process or experience.
( TIP : TD Bank Chairman Board is designed to support internal departments of TD Bank, NOT the customer. ) __________ SITUATION __________ The terms of the mortgages which TD offered, and we accepted, were not the terms furnished at the closing table. We were a captive audience unable to change midway. Penalties of default were too high to seek new financing options.
TD Bank quoted based on a special program that required borrowers to meet to qualify.
Apparently not 'all ' qualification terms were disclosed in advance as we kept learning of " new '' qualifications throughout the process. In addition, TD Bank kept changing the goal posts.
Both loans were quoted as 3.75 %, 30year fixed, Opt, rate lock fees waived.
Both loans at settlement incurred points, higher interest rates, unexpected fees.
T.D.Bank missed closing several times ... no show one day.
We also incurred over {$8000.00} in per diem fees.
Efforts to work w/TD Bank and reconcile included : Direct conversations with lending department ; situation worsened severely.
Contacting TD lending senior management ; ignored.
Seeking TD management support outside of lending ; traction, yet denied Filing concern with TD Bank ChairmanService Center ; dept purpose is to support TD.
Filed a complaint with the XXXX XXXX XXXX
Recently spotted an article directing me to CFPB for support.
This was a highly charged, convoluted and dramatic dumpster fire.
We appreciate any support CFPB is willing the provide.
_______________________________________ SUMMARY FROM BORROW 'S PERSPECTIVE _______________________________________ TD Bank did not furnish either loan as promised.
TD Bank lied and went back on their word on terms ( aka no fee rate locks. ) TD Bank kept revealing 'new qualification ' requirements throughout the process.
TD Bank kept changing the goal posts at random.
-- -- When lending manager eventually got involved, the discussion centered on 1 ) Manager 's qualification from another bank, 2 ) Questioning why primary source of funds were stored at another bank ( not TD. ) 3 ) TD was entitled to 'more of the business ' ( profit ) and that can happen when having an over eager commissioned sales agent etc.
TD Bank waited too long to work on the loans. We committed at the beginning of XXXX with a closing in mid XXXX. The entire process rebooted from scratch in mid XXXX. Long long delays between steps, told no one wanted to touch these loans, key staff MIA and no communicating, sudden unannounced vacations w/no one covering ( as an example. ) TD Communication was difficult throughout. Multiple requests for the same documents, one person not knowing what the other had done or requested, every day something new. Document management process a black box where the borrower has no insight any not able to help or support lending team.
TD Bank made unilateral decisions after we were already in default paying per diem fees that significantly added to the cost of closing.
Though TD made these above decisions, actually failed to show up for closings ( etc. ) TD refused to cover even the costs of the per diems directly associated with these actions.
TD agent continued to make fun and make disparaging comments about us throughout, including to a large group in a special meeting to discuss his problem and options that included the builder, realtors, ourselves.
______________________________________________________ SUMMARY FROM LENDER 'S PERSPECTIVE ( as we understand ) ______________________________________________________ Buyer did not qualify for preferred loan option and as such we needed to change the loan in order to reach closing.
Customer wasted time trying to qualify adding to delay and costs at closing TD Bank was the hero as we managed to get the loans through.
Customer is whining about the problems they caused and need to be thankful we got the loans approved.
|
| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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Dear Consumer Financial Protection Bureau Administrator, I am writing today with a grievance against the TD Bank ( RENOVATE ) with whom I have had a retail credit account since last XXXX. This account was open on XX/XX/23 on my behalf by XXXX XXXX in XXXXXXXX XXXX when I purchased XXXX items of furniture from their store. I chose to finance my purchase, which amounted to a total of {$1900.00} including the store 's delivery fee. The sales ' agent at the store ( his name is XXXX XXXX took my personal information ( address and contact information and did a credit check ) and said that TD Bank approved me for a line of credit of {$10.00}, XXXX. My credit score at that point was good XXXX ( XXXX ), since I have consistently been paying for my credit bills and have never fallen behind on my payments. The sales ' agent at XXXX XXXX informed me that I would be receiving my first bill from the bank in about 60 days. I was not given any bank information by the store, saying that TD bank would be mailing me my first bill. I did not receive the first ( XXXX ) bill, nor the second ( XXXX ) bill. TD Bank ( RENOVATE ) never reached out to me by phone until XX/XX/23 when a TD Bank customer service agent called me. She explained that I was late on my XX/XX/23 and my XX/XX/23 payments and that I was charged a fee of {$29.00}. I explained that I never received a bill from TD Bank ( RENOVATE ), and at that point, I asked her to verify my address with TD Bank. The customer service agent found that they ( TD bank ) HAD ENTERED MY ADDRESS WRONG WHEN THEY RECEIVED MY INFORMATION FROM XXXX XXXX. They never input my apartment number in their system, which I corrected with her on the spot. She apologized and STILL charged me {$29.00} late fee even though the mistake was THE BANKS, NOT MINE. I wanted to make sure this didnt affect my credit score, so I paid over the phone both the XXXX ( {$56.00} ) and XXXX due balance ( {$56.00} ) in addition to the unjustly imposed late fee of {$29.00}, which came up to {$140.00}. I also asked her how I could access the online portal of TD Bank ( RENOVATE ) so that I could set up an automatic payment account online and never miss a payment. On XX/XX/23, I accessed my online TD Bank account, and I saw that an amount of {$230.00} was due. I was still navigating my online account, and I did not understand what was the amount exactly for. Not wanting to have any issues with my payments and my credit score, I went ahead and paid for it online anyway. I also set up an automatic payment account for the monthly amount of {$96.00}. On XXXX, and to my shock, my XXXX credit score went down by XXXX points because TD Bank had reported that I had missed my XXXX and XXXX payments ( THEY ARE RESPONSIBLE FOR MAKING THE MISTAKE IN MY ADDRESS AND I HAVE PROOF ). After minutely checking their bills on my account ( now that I noticed their negligence and unjustly-incurred fees ) I found out that the {$230.00} that I paid on XX/XX/23 was charged for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments ( {$56.00} XXXX months= {$160.00} + {$69.00} late fee when only XXXX should have been charged. These were incurred and charged to me despite the fact that I had already paid on XX/XX/23 for both XXXX and XXXX over the phone. How the customer service agent whom I paid on XX/XX/23 for both XXXX and XXXX did not update my account on their system is beyond me!! I called TD Bank about their mistake in reporting me to the Credit Bureau as delinquent in my payment, and I spoke to a supervisor named XXXX ( ID # XXXX ) who refused to give me his last name, and who insisted that the bank can not do anything once it sends information to the Credit Bureau and that the mistake in the address was not theirs, but the store 's ( XXXX XXXX ). This so-called XXXX XXXX XXXX denied TD Bank 's ( RENOVATE ) responsibility in entering my address wrong, in charging me unfairly, and in causing my credit score to dip by XXXX points. After hearing TD Banks denial for making a mistake in my address, I went to XXXX XXXX and checked my address in their system. I spoke to XXXX, the same person who sold me the furniture and signed me up with TD Bank. It turned out XXXX XXXX has always had the correct address and that the mistake WAS TD BANKS, NOT THE STORE. I am a single mother, and I just completed my XXXX XXXX. I have a huge educational loan to take care of and many financial responsibilities, and TD Bank ripped me off and ruined my credit score. TD Bank caused me a lot of stress and wasted my time, researching, calculating, driving back and forth to XXXX XXXX to look for the agent who sold me the furniture. This was totally unnecessary. Below I am including the name and the contact information for both TD Bank and XXXX XXXX. I am also attaching documentation to prove my claims. The documents I am attaching are : 1. XXXX Credit Report and Credit Score 2.XXXX Bank online statements ( circled the address before and after it was corrected/missing the apartment number ) and the unjustly incurred fees and their chaotic system in charging me for months that had been already paid.
3. XXXX XXXX invoice with my correct address ( they delivered to me to the same address ).
XXXX XXXX ( store who sold me furniture items ) Manager and Sales agent : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Ph : ( XXXX ) XXXX TD Bank ( DBA : renovate ) Supervisor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Ph : ( XXXX ) XXXX
|
| 05/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I noticed that XXXX XXXX were on sale at XXXX XXXX and decided to get them price matched at Target on XX/XX/2021. According to the charges, the subtotal was ( XXXX ) with the following discounts ( XXXX for XXXX 5 % discount ; XXXX Partial Refund, which was the price matching ; XXXX Target Circle Earnings ). With tax ( XXXX ), the total came out to XXXX. I then used a {$13.00} giftcard which should have brought my total down to XXXX ; however, my XXXX was charged {$160.00}. Essentially I had paid XXXX for the item if the giftcard is included in the price. As this was an online purchase through the " chat function '' on target.com, I didn't take a look at the charge because I didn't think anything would've gone wrong. After the fact, I decided to return the XXXX as I found the battery life to be much too low for what I needed so I decided to return them. I went to Target and returned them in person and was given a refund for {$140.00}. The receipt states as follows : XXXX : XXXX ; Adjustments : XXXX ; Subtotal XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX : XXXX ; Tax : XXXX ; Total Refund XXXX ; Gift Card Credit XXXX ; Target Card Credit XXXX. Therefore, I received a Gift card for XXXX and was refunded XXXX but I had paid XXXX ( which was more than the stated cost of XXXX ) and apparently the gift card that I had applied to this purchase " didn't go through '' ( stated by the manager at target and target corporate when I called them with my problem ). I brought this up to the manager at Target and was told that " the credit card is not a part of target and the bank handles all disputes ''. So I reached out to the bank to report fraud as I was overcharged {$13.00} and was held liable to pay for an item that I do not even own anymore. I was transferred multiple times and bounced between Target, Target XXXX, and a calling service that is operated by Target. I was told by the calling service that they would be making a note of the complaint and that this would be resolved in a few days. I was also advised not to pay so that the charge could be cleared. A month passes and I suddenly receive a bill from Target saying that I now owe XXXX due to missing my payment. It was at this point that I realized that this may be a bigger problem and decided to start keeping the bills for records. I immediately called Target again and was put through the same process of being bounced around for hours before finally being told that they would internally investigate and was told the same thing, hold off on a couple of days, we'll investigate, don't pay any bills, you'll receive a letter on resolution. This time, I also received a letter from Target stating " Thanks for getting in touch with us about your billing dispute. While we review this, the amount you disputed won't be included in your minimum due or be subject to interest charges or other fees. You're still responsible for paying on the rest of your balance ''.
A few more months pass before I finally received another letter from XXXX at Target Card Services ( XX/XX/XXXX ) saying that my dispute has been closed, " After looking into the transaction ( s ) you disputed, we disagree with your clain and respectfully decline your dispute. Here 's why we made our decision : The charge for {$160.00} is valid ( even though the item was XXXX and I used a XXXX gift card ) ; Our records indicate that the order was shipped to the above address ( I did receieve the item ) ; Merchandise has been returned during the teim of questionable charges ( I returned the item before I discovered that I was overcharged for the item ). The disputed amount, XXXX, as well as any applicable fees and intestest charges, will remain on your account. Please check your next statement for your minimum payment due and due date ''.
I immediately called them again, repeated myself again, and went over the math the person who took down notes for my dispute request. I stated that I was charged, XXXX on a item that was XXXX. It shows that my gift card ( XXXX ) had been applied to the order in the app, but apparently it wasn't because I was still charged XXXX on the item. When I returned the item, I only receieve XXXX back on my card and was given a XXXX gift card. Therefore, I was confused where an extra XXXX charge was coming from. The person declined to agree/disagree with me but took down what I had said and submitted it for another review. This time, I receieved a bill from them and another letter on XX/XX/XXXX from XXXX at Target Card Services saying that " The dispute on your Target Credit Card has been resolved! The merchant credited XXXX back to your account on XX/XX/2021. Any applicable fees and interest charges have also been credited, and you'll see the adjustments on your next statement ''.
I feel like I'm just lead around by my tail as no one is admitting to any fault nor providing me concrete evidence or a breakdown of why I was charged XXXX for a XXXX item and XXXX was taken from my gift card balance, but only refunded XXXX and a gift card of XXXX. Being told that this problem has been resolved and I am liable for it even though none of my questions are being answered doesn't help either. Especially since whenever I would like to talk to Target about this problem, my call is always transferred out of Target 's phone number to the call center with heavy accents. Please advise and help me sort this out as they're refusing to even talk to me now.
|
| 11/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Identity theft protection or other monitoring services
- Problem with product or service terms changing
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|
Web |
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LOAN ACCT UNSECURED LINE OF CREDIT TD BANK ACCT XXXX LINE OF CREDIT FOR {$10000.00} TD VISA ACCT NUMBER XXXX CREDIT LINE {$15000.00} OPENED XXXX AND CLOSED XXXX. LESS THAN TWO WEEKS.
THE FIRST YEAR WAS 0 INTEREST ON BALANCE TRANSFERS AND PURCHASES.
I HAVE BEEN RECEIVING LATE FEES, INTEREST CHARGES. I TRIED FOR ALMOST A YEAR TO RESOLVE THIS THROUGH MANY DIFFERENT PEOPLE. XXXX XXXX WHO IS AT CONSUMER AFFAIRS XXXX HAS BEEN HELPING ME FROM DAY ONE. HE EVEN ON TWO DIFFERENT OCCASSIONS SPOKE TO TD BANK EMPLOYEES AT THE BRANCH. I HAVE BEEN BLACKLISTED BY EMAIL AS I TRIED TO RECEIVED HELP AT XXXX AND XXXX. PLEASE SEE PROOF OF THE EMAIL THAT I AM BLACK LISTED. I AM HUNG UP ON ABUSED TRANSFERRED, PUT ON HOLD. REFER TO OUR COUNSEL WITH NO NAME OR CONTACT FOR COUNSEL, HORRIFFIC WHAT I HAVE BEEN THROUGH. WHEN I OPENED THE LINE OF CREDIT I HAD AUTOMATIC DEBIT FROM MY TD CHECKING ACCOUNT TO DRAFT THE {$220.00} AND HAD OVER {$12000.00} IN MY TD CHECKING ACCOUNT. THEY NEVER TOOK THE FUNDS OUT OF MY ACCOUNT AND REPORTED ME TO ALL THREE CREDIT BUREAU 'S 60 TO 90 DAYS LATE AND WHEN THE PAYMENT WAS DUE I CALLED TD BRANCH ON XXXX XXXX XXXX AND LET XXXX XXXX WHO NO LONGER IS EMPLOYED THERE. I HAD TO GO TO THE BRANCH AND PHYYSCIALLY PAY IN CASH {$220.00} EVERY SINGLE MONTH. PLEASE SEE LETTER FROM THE INCOMPTENCE THAT TD ADMITTED AND CONTINUING TO MAKE THE SAME MISTAKES ON SPITE AND PERSONAL ATTACK AGAINST ME. XXXX XXXX IN CONSUMER AFFAIRS CAN ATTEST TO MY NEVER ENDING BATTLE WHICH HAS TAKEN A TOLL ON ME WITH TD BANK. I HAVE BEEN ON THE PHONE FOR THREE HOURS TODAY WITH THE LOAN DEPARTMENT. XXXX XXXX, HUNDG UP ON ME AFTER BEING ON THE PHONE FOR 30 MINUTES PULL THE CALL, INCOMPETENCE. THAN I SPOKE TO XXXX XXXX IN MAINE AND ASKED FOR A SUPERVISOR AND HIS NAME WAS XXXX XXXX, HE WOULD NOT SPEAK TO ME AND STATED A CALL BACK OF 48 HOURS WHILE AVAILABLE TO SPEAK WITH ME BE AS PER XXXX XXXX, XXXX XXXX HUNG UP ON ME AFTER 30 MINUTES OF PUTTING ME ON HOLD. XXXX XXXX WHO I SPOKE TO LAST WEEK HUNG UP ON ME ANS SAID SHE WOULD HAVE COUNSEL CALL ME. NO ONE CALLED ME. WHAT COUNSEL??? SO THAN I WAS GIVEN XXXX XXXX IN WASHINGTON DC WHO IS THE VP OF COUNSEL OF TD BANK XXXX AND HE WAS BAFFLED AS TO WHY I AM CALLING HIM. TD IS CHARGING ME {$10.00} EVERY MONTH FOR LATE FEES DUE TO NOT DEBITING MY ACCOUNT INITIALLY AND WILL NOT CREDIT. XXXX XXXX WHO I WENT INTO THE BRANCH TO TRY AND RECEIVE ASSISTANCE WITH MY ON GOING ISSUES AND SPENT TWO HOURS WITH HER AND PROVIDED ALL THE DOCUMENTATION AND PROOF AND SHE DID NOTHING AND NEVER RETURNED A CALL BACK TO ME. I CALLED THE BRANCH STATING I WAS XXXX XXXX AND THAN SHE TOOK THE CALL AND WAS UPSET THAT NOW SHE IS BEING ADDRESSED AND WHY SIT WITH ME AND COPY DOCUMENTS AND SHOW YOU PROOF. SHE IS THW ASSISTANT MANAGER OF THE BANK AND THE MANAGER OF THE BANK IS XXXX XXXX WHO IS AWARE OF THE SITUATION SINCE THE BEGINNING AND DID NOTHING TO RESOLVE MATTERS. XXXX XXXX WAS A WITNESS WHO IS A TD BANK TELLER WHO WAS AT THE DRIVE THROUGH ON XXXX AS XXXX XXXX WOULD NOT TAKE MY LOAN PAYMENT ON MY VISA PAYMENT AT XXXX XXXX BRANCH AND I WAS THERE FROM XXXX XXXX TO XXXX XXXX TO TRY AND GET ASSISTANCE WITH THESE ON GOING ISSUES. THE BRANCH ON XXXX XXXX XXXX THROUGH WAS OPEN AND THE TELLER HEARD WHAT XXXX AT TD VISA WAS ACTING ABUSIVE. THE TELLER TOLD ME TO COME BACK TOMORROW AND THE ASSISTANCT MANAGER CAN HELP ME AND THAT IS XXXX XXXX WHO COPIED MY DOCUMENTS AND DID NOTHING TO RESOLVE MY LOAN AND VISA ISSUES, VISA ISSUES, LATE FEES, INTEREST CHARGES, THE ACCOUNT WAS OPEN FOR TWO WEEKS AND CLOSED WITHOUT MY KNOWLEDGE. MY CHECKJING ACCOUNT WAS CLOSED AFTER 10 YEARS. MY LINE OF CREDIT REMAINS OPEN. I HAVE TRIED FOR MANY MONTHS TO GET ASSISTANCE. THES E ARE BASIC ADMINISTRATIVE ISSUES. I HAVE TRIED TO SPEAK TO LOSS MITIGATION DEPARTMENT AND HUNG UP ON, NO RETURN CALLS. I HAVE NEVER HAD ONE NEGITIVE REPRTING FROM ANY CREDITIORS ACCEPT TD BANK. MY FICO SCORE NOW IS XXXX DUE TO A {$29.00}. I WILL BE IN MORE DETAIL ON ALL SOCIAL MDEDIA SITES WITH TD EMPLYOYEE NAMES, PHONE NUMBERS, EMAILS, ADDRESS, LOCATIONS OF CALL CENTERS SO ANY OTHER PERSON WILL NEVER HAVE TO GO THROUGH WHAT I HAVE ENDURED AMONG THE THOUSANDS OF COMPLAINTS SIMILAR ON SOCIAL MEDIA.
1. I WANT A SETTLEMENT AT THIS POINT WITH BOTH ACCOUNTS. I WANT NO FURTHER DEALING WITH THIS ABUSIVE BANK. I TRIED TO GET AN EXTENSION ON MY LOAN. LATE FEES {$90.00} MONTHLY INTEREST ON MY VISA PLUS {$35.00} LATE FEES WHEN I PAY ON TIME IN CASH AT THE BRANCH AND XXXX XXXX CONFIRMED THIS SHOULD NOT BE HAPPENING AND TD VISA STATES SAID IT TAKES TWO DAYS TO PROCESS WHICH I LET XXXX KNOW THIS. THIS IS SUCH NON SENSE, THE LEFT DOES NOT KNOW THE RIGHT.
I CALLED ANOTHER BRANCH MANAGER XXXX XXXX IN XXXX XXXX XXXX TO LET HIM KNOW WHAT IS GOING ON. HE TOOK MY INFORMATION ANS SAID HE WOULD GET BACK TO ME. I CALLED THE CHAIRMANS OFFICE AND LEFT MESSAGES AT XXXX AND LEFT MANY MESSAGES WITH NOT ONE CALL BACK, WHILE MY TD VISA WAS ACTIVE AND OPEN AND DID BALANCE TRANFERS TO PAY STORE CREDIT CARDS TD VISA STOPPED PAYMENT ON XXXX AND XXXX AND NEVER PAID THEM AND CHARGED LATE FEE WITH BOTH CREDIITORS AND STOP PAYMENT FEE WHICH TD SENT OUT THE CHECK AND STOP PAYMENT FOR BOTH CREDITORS AND NEVER REISSUED A CHECK. THAN XXXX THEY CLOSED MY VISA ACCOUNT. I SPOKE TO XXXX XXXX AND ASKED FOR THIS CALL TO BE PULLED FROM XXXX XXXX WHO NEVER CALLED ME BACK AND WAS COMPLETELY IGNORED.
THIS NONSENSE NEEDS TO STOP AND THIS NEEDS TO BE RESOLVED.
|
| 01/25/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Dear CFPB or TO Whim it May Concern : Although TD Bank USA/Target Credit responded XXXX they have CIRCUMVENTED some very important facts.
1 ) TD Bank USA/Target Credit did NOT at all acknowledge or address the FACT I actually paid two months in advance. Technically I was never-ever late 30 days, because I paid in advance twice. ( see box showing payments ) 2 ) How TD Bank USA/Target Credit statements show payments and refunds DO NOT correctly match up when the financial transactions took place. This throws off proper reporting of what is due for each month.
Please note that my first payment due for XX/XX/2022 was {$29.00}. I had already pre-paid that bill due with a {$30.00} payment I made on XX/XX/2022. There was no statement, nor any payment due in XX/XX/2022. When the statement came out in XXXX, the amount due of {$29.00} had already been pre-paid on XX/XX/2022. TD Bank USA/Target Credit XXXX NOT correct nor reflect this in their statements to show that the XXXX payment had already been met. Instead, it shows {$29.00} still due. This is a TD Bank USA/Target Credit error!
Likewise, on XX/XX/2022, I paid {$50.00} to cover XXXX payment due, which is more than the minimum payment due of {$31.00} for XXXX. TD Bank USA/Target Credit did NOT correct nor reflect this once again in their statement to show that the XXXX payment had already been met. This is another TD Bank USA/Target Credit error! They should have reflected and applied my {$50.00} payment already made after the last months payment due had already been met. Instead, they charged me a later fee of {$29.00}. This is not right! Their statement, page 3, indicates you can prepay without being charged.
I paid in advance {$50.00} to cover the XXXX payment due, which would have resulted in a balance of XXXX in XXXX. On XX/XX/2022, I paid off the remaining balance of XXXX ( XXXX + XXXX min. cc fee ) TD Bank USA/Target Credit XXXX NOT even address the FACT that I already made payments for XXXX and XXXX. They CIRCUMVENTED reflecting these very facts to show the offset of what already had been paid and how those payments would actually supersede/meet more than the minimum payments due for those XXXX months.
On XX/XX/2022, I made a purchase of {$120.00}, which I paid off in XXXX months!
On XX/XX/2022, I paid {$30.00} for upcoming XXXX statement. The minimum payment due for the XX/XX/2022 bill was {$29.00}.
XXXX days later, XX/XX/2022, I made another payment of {$50.00} for bill due in XX/XX/2022.
On XX/XX/2022, I learned, only by coincidence, that TD Bank USA/Target Credit had charged me a late fee, of which was to be reversed upon receipt of remaining balance of XXXX.
On XX/XX/2022, I paid off the remaining balance of XXXX. XXXX paid off in XXXX months!
CORRECTIVE ACTIONS TARGET NEEDS TO TAKE : XXXX XXXX XXXX XXXX XXXX XXXX to remove the XXXX late notice from my account.
*Restore my credit limit to previous credit limits ( XXXX XXXX years ago, TD Bank USA/Target Credit lowered my limit due to my non-use of their product, and TD Bank USA/Target Credit using outdated , antiquated data older than 10 years ). I maintain a very low credit utilization rate ( XXXX % ). DO NOT have too many credit inquiries and no late payments, as they tried to claim. ) **something is not right about the TD Banks algorithms and computer-generated decisions, because another TD Bank vendor did exactly the same thing that TD Bank USA/Target Credit did by auto lowering my credit for non-use. However, when I wrote them the other TD Bank vendor, they actually looked at the situation, apologized and restored my credit limit, which is much higher than the TD Bank USA/Target Credit fiasco . Initially, that TD Bank Vendor played that same disappointing and wrong game by claiming false information of me having too many credit inquiries, not paying on time. NOT TRUE. The FACT was just the opposite. I had a excellent credit history record for the past XXXX XXXX. ) TD Bank USA/Target Credit needs to be held accountable. It concerns me and should concern your institution as well.
There has been a ton of misunderstanding and poor communication with the TD Bank USA/Target Credit employees . in trying to clear up this matter. Many of them have placated and patronized me versus looking at what actually happened. They cant even answer why the statements showed money being owed, what's accurately due, when the payments had already been made and paid twice in advance. Did you notice in their response, there is no mention of these FACTS.
On XX/XX/2022, I made a purchase of {$120.00}, which I paid off in XXXX months!
On XX/XX/2022, I made a payment of {$30.00} for payment to be due in XX/XX/2022 bill.
20 days later, XX/XX/2022, I made a payment of {$50.00} for payment for the XX/XX/2022 bill.
On XX/XX/2022, I learned, only by coincidence, that TD Bank USA/Target Credit had charged me a late fee, of which was to be reversed upon receipt of remaining balance of XXXX.
On XX/XX/2022, I paid off the remaining balance of XXXX. XXXX paid off in XXXX months!
Once again, according to the FCRA, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.
Thank you for your prompt corrective attention to this matter.
Sincerely, XXXX XXXX XXXX XXXX.
|
| 12/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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I logged into my XXXX XXXX to check my credit. I saw that TD Bank offered a line of credit to consolidate high interest credit cards. I began the process got most of the way through then I made a phone call and found out the loan was not being serviced by TD Bank but instead the loan was being serviced by a debt consolidation bank called XXXX. I called and reached the manager XXXX XXXX, we spoke about my loan application, I requested that he cancel the loan application because I refused to do business with XXXX XXXX due to their low customer service rating. He assured me my credit did not receive a hard inquiry because I did not continue on through the loan process. He also assured me if my credit did have a hard inquiry he would remove it.
My whole concern revolved around the fact that TD Bank was the only institution showing on any of the loan applications. I called TD Bank to complain about the bait and switch using TD Loan 's logos and software but no where does it state that a 3rd party would service the loan.
Here is the copy of my email to XXXX XXXX a manager at XXXX XXXX ; Fri, XX/XX/XXXX, XXXX XXXX to XXXX Thank you Mr. XXXX for taking my call today, I know you are a very busy man.
With today 's financial climate, online security risks and identity theft, I felt obligated to reach out and convey my distress and concerns regarding the financial documents that were faxed to ( XXXX ) XXXX.
No where in the loan application processed did I read that XXXX would be servicing the loan, or that XXXX would be in receipt of my financial documents.
I canceled my loan application today because I do not wish to do business with a third party. I chose to do business with TD Bank not XXXX XXXX XXXX.
There were two things I hoped to clarify with you today.
1 - no hard inquiry by TD Bank or XXXX will appear on my credit report.
2 - no denial of credit by TD Bank or XXXX XXXX will appear on my credit report.
If those items do appear on my credit report please be assured it will not be taken lightly.
Thank you for taking the time to listen to my concerns. Thank you for assuring me that a hard credit inquiry was not submitted on my credit file, and that credit was not denied to me by either XXXX XXXX XXXX or TD Bank.
Happy XXXX. It was a pleasure talking to you.
Best Regards Shortly after that email I received another email stating that I was denied credit and that my credit has been pulled, even though I had just spoken with the manager, and he pulled my account to see the status. I cancelled the application with him over the phone prior to completion.
I then sent a follow up email to Mr. XXXX and a copy to the Attorney General of North Carolina.
XXXX XXXX XXXX Attachments Thu, XX/XX/XXXX , XXXX XXXX ( 23 hours ago ) to XXXX Good Afternoon Mr. XXXX.
We spoke on XX/XX/XXXX regarding a loan application that I cancelled.
Please remove the hard inquiry that has appeared on my credit report.
I also received notice of another loan application in my name from XXXX XXXX. I did not apply for any other loans after our conversation.
I will be reporting that as fraud.
Attached is the screen shot of my credit report. When we spoke you assured me a hard inquiry had not been performed by TD Bank.
Thank you for your assistance.
I will be following up with all of this to the Attorney General 's fraud department in North Carolina next week.
Thank you.
Sincerely XXXX RE : XXXX Client XXXX He responded back to me yesterday ; XXXX XXXX XX/XX/2019, XXXX XXXX ( 21 hours ago ) to me Ms. XXXX I have received your emails. I am currently working with our team to resolve your concerns. I will update you once I have a resolution.
Thank you!
XXXX XXXX Then TD Bank sent me a nasty little email that saying, " You agreed we could run your credit when you clicked on our application link. ( Lie ) You don't have your credit pulled until you submit your proof of income, and receive the interest rate you qualify for, which never happened, and agree to take the loan, which I did not.
I want the hard inquiry removed and the denial of credit removed from my credit report. It should not bare the responsibility to deal with a company that I refused to do business with because they gained my business under false pretense.
Today I went back online to see if TD Bank was still offering personal loans though XXXX XXXX, they are not. Mr. XXXX agreed that the offer did not disclose the 3rd party arrangement. No where in the loan application process did it ever reveal XXXX would serviec the loan, only TD Bank. When you call the phone number listed on the application XXXX answers as TD Bank. Bait and switch. The only way I found out about the arrangement was by calling the TD Bank in XXXX SC. I asked for a senior loan officer. We started talking about the different loans available. I told her what I was going through, she revealed it was XXXX XXXX and suggested that I come down and go through the loan process at TD Bank. No thanks.
I am angry at myself, but I am ore angry with TD Bank for putting me through this. Terrible customer service and deception. That's why I am staying put with my local home town bank. Oh and to make matters worse, some Bank called XXXX XXXX sent me a loan denial. I've never heard of them, nor have I filled out any kind of loan application. So now I have to freeze all my credit files. Thanks TD Bank.
|
| 04/02/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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Internal payment system malfunction and merchant wants to charge late fees to consumers and report inaccurate data to the credit reporting agencies. They are not notifying consumers of their errors and they are blaming banks that they received a notice of no account on file On XX/XX/XXXX ; I submitted a credit card payment to target. My financial/ checking account information is already on file and has been used for the past 5 years with no problems. The way I make my payments all the time is through the automated system with my stored information. I usually pay my entire amount in full and I am never more than 30 days late on my payments. I submitted a payment for the full owed amount of XXXX dollars and some change. I usually check my credit cards every month to make sure theres no payment due. On XX/XX/XXXX ; I was doing a random check on all my credit cards. I realized I had a late fee on my target credit card as well as the automated system saying Im late more than 30 days. I had no knowledge of me using my target credit card recently or any transactions. I called target and spoke to a customer service agent and she advised me that it was for a charge from XX/XX/XXXX. She confirmed there was a payment attempt on XX/XX/XXXX, but stayed my payment was not processed. I asked her why it was not processed and she said they received an error message of no account on file. I advised her I do not re enter my account information because its already in the system and thats how I been making my payments for the past 5 years with the same account number on file. I advised her, I never received any notification from target about the payment not going through, I never received anything by mail, any phone calls, any alert, text or email. I advised the lady if I wouldnt of checked my card randomly I wouldnt of noticed it wasnt paid ; since nobody notified me. She confirmed that nobody notified me because I had my account set as private or dont bother. Which I dont recall putting such alert. However if that was in my account ; I advised her a late payment or not going through ; such things must be notified by mail, statement, message, phone call. She had no explanation as to why and just kept telling me that I didnt have alerts to get a phone call. I made the payment. I also called my bank asking why they denied a payment and my name advised me no history of such payment was requested around that date. I later noticed a reporting on my credit report. I do everything possible to take care of my credit score and report. I own 12 credit cards and i am very responsible on making my payments on time. On my credit report I do not have any late reporting or any missed transactions so my payment history speaks on my payment responsibility which I was 100 percent on time payments on my credit report. I called target again to file a complaint on their system and the rep advised me that they received an error message saying no account on file she said I must have entered an incorrect account number. I advised her theres no way I entered an incorrect account number because the system already has my account number. I advised her that every time I make a payment, I do not need to enter my account number but just confirm the payment amount ; since the system already has my account number. I advised her the same account has been on file for 5 years and my payments always get processed. She called my bank on three way and confirmed the account number target has with my bank. My bank confirmed that is the correct account number and my bank also confirmed with target rep that No payment got requested by target on XX/XX/XXXX or after. My bank advised target rep that there was no record of target ever requesting that payment or any history. The bank lady also advised me that the same thing happened to her in XXXX from target bank. I submitted a complaint with target credit card and requested to please correct my credit report.
In XX/XX/XXXX, I received a letter from target regarding my complaint. The letter states, the reason for the payment not getting processed was NSF Insufficient funds. They have lied to me and I dont know how many other consumers they are lying to. I had XXXX XXXX dollars in my bank on XX/XX/XXXX. There is no evidence of NSF from my bank. I would have that showing on my bank statement and I would also have a fee from my bank and my bank wouldve confirmed that with target and me. I would like your help in this matter please so they can stop doing this. I can submit the letter they send me. Im sure their calls get recorded and you can hear both times how they told me they received an error message of account not on file also how my bank confirmed the account number to be accurate to what they have on file. I can also send a copy of my statements to show there was never a payment requested from target and how I had enough money to cover the payment. I feel they are taking advantage of consumers and hoping they can do random internal errors like this and charge late fees and do fraudulent reporting to the credit reporting agencies. I used to work for the bank as well and I am aware of how NSF works. There would be record of an NSF on my statement. My main complaint is for them to correct my credit report and not report fraudulent information again and for them to not do this again to consumers. Thank you.
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| 06/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Sent card you never applied for
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Web |
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I had recently moved to XXXX from XXXX XXXX. I was making a purchase in XXXX, at a XXXX in XXXX blocks from my new residence. The total balance was {$58.00}. The cashier offered a store credit card and debit card both of which came with purchase discount that would apply to that sale. I opted for the debit card only. He took my driver 's license for ID and asked me for a voided check which was required to set up the debit card. I still had an XXXX Driver 's license. My check had my current XXXX address.
He assured me the license was only to be used for proof of identification. The address and information on the check would be used for debit card account set up. I completed the purchase and received a XXXX receipt with a transaction number as proof of account set up but it didn't contain details of what was set up.
Weeks later after not receiving a card, I called the toll-free number called to inquire about the card whereabouts. I got a runaround because even though I could verify my identity the non-US based phone support said they could only pull up my account if I had the card number. They couldn't use a social security number etc. I inquired how to get help without the card number since the purpose of the call was to report that I didn't receive a card and I did not have a card number. I was even told they could not escalate my call to a supervisor without card number verification first. They also couldn't correct my address or do anything to my account or give me any information.
I attempted to call 3 times and always got for an outsourced phone support rep who insisted that they could not help me since I didn't have the card number.
I then went back to the XXXX store. I attempted to gain information there. I was given a similar runaround but finally spoke with a manager who was able to help. Based on looking at my transaction receipt she was able to inform me that they set this up as a credit card and not the debit card I originally signed up for.
She told me the credit card should have come in the mail and that is generally set up with the address on the driver 's license. I reported to her that the XXXX XXXX driver 's license was not to be used for setup purposes and that the XXXX XXXX address was a physical address but was not a mailing address.
She informed me that the store had no ability to see if the card went to XXXX or see if the cashier just had typed my address incorrectly. She also, of course, couldn't then correct any information entered by the cashier. She also informed me that I could not make a payment nor pay off the balance nor close the card because, without the actual card or card number, they would not be able to access the account.
I asked her what I could do since clearly there was a card that went to a rural countryside address that doesn't receive mail or was sent to the wrong address so statements would be going to that same address, and I had no way of getting more information because I didn't have the card.
She advised that the best thing to do would be just to return all the items purchased. I went home gathered the few items that were purchased on the original transaction and returned all but {$30.00} because that item had already been used.
I assumed they would get in touch with me once the card was returned back to them and or to collect the outstanding balance. In the end, after a couple of more attempts to gain information from the corporate phone number side, I gave up and honestly forgot about it.
I forgot about it until a year later when I went to purchase a home and found out that I had excellent credit except for a derogatory report from this XXXX card.
I also learned that the {$30.00} balance had ballooned to {$270.00} because of late fees and service charges.
I was finally able to talk to someone in the collections department a year later after they sought out figured out a way to contact me. I asked why XXXX made no attempt to contact me before the case got that far especially since they must have received the card back from the address and it was never activated? After reporting what happened in the occurrence they were unwilling to waive any of the late fees or service charges even though again I never received the card and they most certainly got it back since it was never mailed to my XXXX address nor could it have did mailed successfully to my XXXX XXXX address.
Also, they refused to help even though I specifically requested a debit card and gave the cashier a voided personal check yet they opened up a credit card account without permission.
This XXXX incident remains the one piece of derogatory/negative information on my credit report.
Their lack of competent US phone support staffed by people who could comprehend the situation was a problem.
Their system that requires you to have a card number even when you're inquiring about not receiving a card is a major oversight in their customer service delivery model.
Their practice of not employing methods to contact a person until it goes into collections and has outrageous fees is unethical.
They were completely unaccountable for their unscrupulous practice, the {$250.00} worth of fees ( 8x the original amount ) on a {$30.00} balance and the unauthorized setup ostensibly stemming from for poor staff training and the whole thing is malicious and predatory.
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| 04/26/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
Older American |
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My wife And I currently have a TD Bank Line of Credit last advance dated XX/XX/XXXX. We dealt with the TD Bank branch in XXXX XXXX XXXX XXXX, N.J. I will post a copy of that agreement. My wife recently noticed that the principle on the monthly payments was not going down despite making payments well in excess of the minimum on the bills. We have always done this on other loans and mortgages to save finance charges.
When she checked the bills, she noticed that in fact, she had been paying {$100.00} to {$300.00} more per month, but that this entire amount was going towards finance charges, and none of it apportioned to principle in any way. Now, the bills we receive are difficult to interpret, but I can not understand what is occurring.
By way of some background, we live on pension income, and the dates we receive those payments do not easily coincide with the due date for these payments. Mty wife tried on XX/XX/XXXX to get the due date changed by a couple of days so we could make the payments before due. A XXXX told us that they can not do that ; and besides we have the 15 day grace period so not to worry about it. My wife does worry about these things, and again spoke to a XXXX on XX/XX/XXXX about this request ; he also told her not to worry about the late payment due to the grace period. On XX/XX/XXXX a XXXX also told her the same. As you can see, my wife kept asking. XXXX also spoke to a XXXX later with the same result.
When my wife discovered this problem with finance charges on XX/XX/XXXX she called XXXX and explained this new issue about not being credited with payment towards principle, and XXXX stated this must be a mistake. We had always known, for many, many years, that payments in excess of the minimum are to be applied to the principle.
She told us that the bank would do an audit to find out why this was occurring & we would get that within 10 days. XXXX told her to just pay the minimum {$560.00} until this was corrected. On XX/XX/XXXX, after waiting for this audit, we called the main office and spoke to a XXXX at XXXX who was unaware of any audit but gave us this convoluted explanation that seems to be that because we were : late on our payments, we owed the last late month finance charge, PLUS the current month finance charge. This is why we never get to the principle. I asked about this so called grace period that apparently has no grace in it, and he said that that grace period does not forgive the so called late payment re : finance charges,.
This was the very first time anyone ever mentioned this element of their grace period. Now there may be language somewhere about this, but I read the note we signed and did not see any reference to this exception that was intelligible to a layman. I did receive a 1 year statement of our payments from this XXXX ( enclosed ) that shows our over payments and the finance charges with no principle applied. Again, there should be full and clear disclosure of these penalties to the consumer, and employees need to be aware and clearly explain these policies. Clearly all those employees we dealt with either did not know of the policy ( I believe this ), or they were all intentionally misleading we consumers. XXXX was truly surprised at what she saw on our records when we spoke to her in XX/XX/XXXX ; I do not believe that she was lying either.
I feel TD bank engages in deceptive banking practices by obfuscating policies in legal gobbledygook that no one would reasonably understand, and fails to ensure consumers are informed in the true sense of the word. I feel TD bank deliberately does not train their employees in these policies in order to make profit based on the ignorance of consumers, and clearly does not practice ethical business. Their grace period is a sham. I also have to wonder how many other people have been getting cheated across the country by this non existent grace period, and finance charges that are fraudulent ; clearly the verbiage in their agreements is intentionally designed to create circumstances that are confusing to consumers, and line their own pockets.
Remedy Requested I am asking for an audit of all my payments to TD bank dating to XX/XX/XXXX to discover how much money in fraudulent finance charges TD bank has collected. ( previous lines of credit should also be audited dating back several years before this particular advance in XX/XX/XXXX ). I believe they owe us that money, plus reasonable interest.
I am asking that their billing form include a field for Amount to be applied to principle ) for those of us who want to ever actually pay off these loans. As of now, this option does not exist. We had always known that payments in excess of the minimum are to be applied to the principle.
I am asking that if this policy about collecting finance charges in advance of the next payment, even when it falls within their own grace period.is actually legal (??? ), that it be explained in clear language. Because this is such a key point, a separate initial block should be on the agreement that documents that they not only read the policy, but were briefed on it by an employee.
I am asking that the entire agreement be reengineered and that the misleading legalese be translated into consumerese.
I am also asking that the grace period be fully and completely explained, including ALL penalties for late payments.
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| 08/10/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I am requesting your assistance with a violation of the Fair Credit Billing Act. Currently ( XX/XX/XXXX ) my bill is higher than what is should be due to customer service rebilling me for three credits that were posted to my account. I have tried in vain and in good faith to contact TD Bank Credit Card Services orally and in writing but to no avail. I am really disgusted with this whole situation as it was avoidable but has unfortunately caused me a great hardship. The transactions in reference are : XXXX # XXXX XXXX CREDIT ; Reference XXXX ; Activity Date XX/XX/XXXX ; Posting Date XX/XX/XXXX XXXX # XXXX XXXX CREDIT ; Reference XXXX ; Activity Date XX/XX/XXXX ; Posting Date XX/XX/XXXX XXXX # XXXX XXXX CREDIT ; Reference XXXX ; Activity Date XX/XX/XXXX ; Posting Date XX/XX/XXXX The first credit for XXXX appears as a transaction on the XX/XX/XXXXto XX/XX/XXXX period while the other two credits for XXXX and XXXX are on the XX/XX/XXXX to XX/XX/XXXX statement. A copy of each of these statements ( XX/XX/XXXX to XX/XX/XXXX & XX/XX/XXXX to XX/XX/XXXX ) is attached to this email. In XX/XX/XXXX or XX/XX/XXXX I opened a TD Bank Rewards Credit card ending in XXXX and sometime in XXXX XXXX the account number was changed to one ending in XXXX. Customer Service has used this as an excuse to justify the fact that as of XXXXXX/XX/XXXX my account ending in XXXX was charged an extra XXXX as these same three credits listed above magically became debits. This can not be tolerated as it implies one or both of the following : either TD Credit Card Services is intentionally stealing from consumers or TD Credit Card Services does not know the difference between a credit and a debit. The excuses I have received from TD Credit Card Services are also unacceptable. For example, I was informed that these three credits f
rom XXXX were mistakenly placed in the wrong column as credits are manually processed due to the change in account numbers. I was told that the overcharges would be removed within 5-7 business days but it has been more than a month and nothing has happened. I am extremely upset about this because this means I can no longer trust this bank as I thought I could to process routine credits and debits without overcharging me. I have had other credit cards with other banks and I have not had this problem before so what is going on here? Is there some kind of theft ring? Attached you will also find the billing statement for the period XX/XX/XXXX to XX/XX/XXXX. At the end of the billing cycle the balance was XXXX. Next is the billing statement for the period XX/XX/XXXX to XX/XX/XXXX and this is where the problem lies. During the period of XX/XX/XXXX to XX/XX/XXXX I only made two purchases which were XXXX XXXX in the amount of XXXX and XXXX XXXX in the amount of XXXX. However the total purchases for this period are incorrectly showing as XXXX. The reason the purchases for the period ( XX/XX/XXXX to XX/XX/XXXX ) are incorrectly listed as XXXX is that the account was debited on XX/XX/XXXX for the same three XXXX credits listed earlier in the beginning of this email. Prior to the XX/XX/XXXX issue, I checked the tdbank online website and I saw the same three credits from XXXX XXXX listed as debits on XX/XX/XXXX. However when I called TD Credit Card Services they admitted that these three debits did not really exist. According to TD, the tdbank website does not provide the most accurate information on the credit card transactions while the tdcardservices website does. Later around XX/XX/XXXX I received a letter from TD admitting that these three transactions were actually credits and that my account would be credited however it never was. Therefore TD should simply XXXX out this entire bill and I can take my business elsewhere. My bill is higher than what is should be and due to TD 's bad faith they should cancel the entire balance. Upon review of the billing statements from XX/XX/XXXX and XX/XX/XXXX one will clearly see that on the XX/XX/XXXX statement I was overcharged for purchases. For the XX/XX/XXXX statement TD fraudulently claims I authorized charges from XXXX XXXX in the same amounts of these credits listed earlier. The only charges I authorized on the XX/XX/XXXX statement were XXXX XXXX for XXXX and XXXX XXXX XXXX for XXXX. When you add these two numbers you arrive at XXXX and not XXXX. TD claims the purchases for the XX/XX/XXXX statement total XXXX because they have re-charged my account for the three XXXX credits mentioned earlier. Clearly TD does not know the difference between adding and subtracting. It is unfair for TD to intentionally create this mess and refuse to fix it despite the clear problem explained in the previous paragraph. It is also clear that TD is using dishonest record keeping methods in an attempt to cheat customers. As I mentioned earlier TD has two different ways for customers to check their credit card balances, yet according to TD the tdbank website provides inaccurate information while the tdcardservices site provides accurate information. Since I never authorized any charges with XXXX for the amounts of XXXX, XXXX and XXXX at any time to my credit card ending in XXXX or XXXX then it is fraudulent for TD to insist on charging me for these same amounts that TD has already admitted were credits.
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| 09/03/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XXXX the XXXX 2021 I opned a new checking account with Td bank XXXX XXXX XXXX in XXXX XXXX, Delaware. On XXXX the XXXX 2021 I received a fraud alert to my cell phone regarding several charges that clearly were not made by myself, hence the alert. I immediately called the number provided and spoke to a manager because i was mortified that this could happen in less than 24 hours. I had just the day before deposited {$600.00} in to this account the day before and now I am being charged by companies in New Jesrsey and California. I was assured by this so called manager that I spoke to on the XXXX of XX/XX/2021 that the card was turned off and that my {$260.00} would be immediately refunded. {$190.00} company in california that they alerted to and a {$1.00} charge in new jersey and {$60.00} charge in new jersey for XXXX. ( i havent had cable in 12 years ). I was told to go back to the branch and receive my new atm card but I decided not to bother until I had to cash my salary payroll check on the XXXX of XXXX. I cashed my {$1200.00} payroll chech and placed {$800.00} into my checking account and was told my balance was {$1000.00} which sounded right because I made a payment of {$190.00} on the XXXX when I deposited the {$600.00} initial deposit upon opening this account and on the XXXX I deposited {$800.00} more and made another {$190.00} payment to XXXX XXXX. THESE WERE THE ONLY 2 DEBITS THAT MADE ON MY CARD EVER SINCE OPENING THIS ACCOUNT. Well upon my visit on the XXXX when i made my 2nd deposit I was instructed to pick my atm card up via the drive thru window which seemed odd to me but they said it was cause of covid so I did so because i had my {$190.00} car payment to make so really had no choice but when I attempted to check my balance using that atm card issued the day before I couldent access my account info so I called the XXXX number FOR THE EIGHTH TIME BECAUSE THRU ALL THIS TIME I WAS NEVER ABLE TO ACCESS ONLINE BANKING and on that call is when I learned that the dispute on the XXXX was never done, and that my account balance was {$48.00}!!! I also learned that there were hundreds of dollars in transactions made but yet the card never worked and I never bothered for 2 weeks to attempt to get a replacement card, I just the day before deposited {$800.00} and now my account was {$48.00}???? This is crazy and I was mortified. I attempted to file disputes on that call and was told after filing them that she was denying the disputes cause all the charges were made in delaware BUT NONE WERE MADE IN DELAWARE AND NONE BY ME. I WAS UNDER THE IMPRESSION THAT I HAD NO CARD AND THE ONLY PEOPLE WHO EVEN KNEW I OPENED AN ACCOUNT WITH TD BANK IS ME AND THE 2 PEOPLE WORKING AT TD!!!!!! They have stolen nearly {$1400.00} from me and it was just that STOLEN. I went to take my lousy {$48.00} i was told in that 20 mins it took to hang up with td and get to the bank I only had {$28.00} left and NO ATM CARD NO CHECKS NO WAY TO ACCESS THIS MONEY, MY MONEY BUT TD FOUND A WAY AND TOOK IT. I NEED HELP BECAUSE THIS IS ACTION BEING DONE AT THE HANDS OF THE TELLERS AT THE BANK BECAUSE I HAVENT HAD ACCESS TO MY ATM CARDS OR MY MONEY AND THEY ARE CALLING ME WITH FRAUD ALERTS AND THEN DOING NOTHING, SAYING THEY ARE DOING THE DISPUTE AND DONT SAYING THEY TURN MY ATM CARD OFF AND DONT, TAKING SEVERAL HUNDRED FOR OVERDRAFT FEES FOR PURCHASES i HAVENT MADE AND HAVE NO WAY OF MAKING BUT TD HAS AND THEY HAVE BEEN LETTING FRAUDULENT TRANSACTIONS OCCUR KNOWING THEY WERE FRAUD BECAUSE THEY TOLD ME VIA THE FRAUD ALERTS TO WHICH I IMMEDIATEY RESPONDED BY CALLING AND THEY NEVER FOLLOWED THRU ON TAKING THE STEPS THEY WERE SUPPOSED TO TAKE TO PROTECT ME AND MY MONEY MAKING MATTERS WORSE THEY ARE TAKING SEVERAL HUNDRED DOLLARS FOR TD THEMSELF FOR OVERDRAFT FEES!!! PLEASE HELP ME, I AM NOT RESPOCIBLE FOR THESE CHARGES, THESE OVERDRAFT FEES OR ANY CHARGES OTHER THAN MY TWO PAYMENT OF {$190.00}. AND SOME CHANGE ON THE XXXX AND XXXX OF XXXX. I AM A SINGLE GRANDMOTHER TRYING TO RAISE MY 7 MONTH OLD GRANDSON ALONE AND I CAN NOT AFFORD TO HAVE OVER A THOUSAND DOLLARS STOLEN FROM ME BY MY OWN BANK AND OR THE PEOPLE THAT WORK FOR TD AND THAT IS WHATS HAPPENED TO ME. I just called right before filing this complaint anmd they are claiming that I am another {$73.00} overdrawn yet I again have had no card and no checks to take money from my accoun and make ay purchases!!! NO WAY TO TAKE ANY ACTION OF ANY KIND TO THIS ACCOUNT AND I TOOK THE SUPPOSED LAST {$28.00} THAT THEY CLAIM I HAD LEFT LAST SATURDAY SO HOW AM I ONCE AGAIN SUPPOSED TO BE OVERDRAWN AGAIN WITH NO WAY TO ACCESS THIS ACCOUNT AND NO WAY TO MAKE ANY PURCHASES???? AGAIN, i AM BEGGING YOU TO HELP ME. I AM GOING TO LOSE MY HOME AND CAR OVER THESE FELONIOUS ACTS OF THEFT BEING COMMITED AGAINST ME. SOMEONE HAS GOT TO INVESTIGATE INSIDE THIS BANK AND GET THIS THIEVERY STOPPED BECAUSE NOT ONLY CAN I NOT AFFORD THIS BUT MANY OTHERS ARE LIVING PAYCHECK TO PAYCHECK JUST LIKE ME SO THEY CANT AFFORD THIS EITHER!! PLEASE HELP ME RECOVER ALL MY MONEY EXCEPT FOR THE 2 CHARGES THAT ARE HONESTLY AND RIGHTFULLY MY PURCHASES/PAYMENT MADE BY MYSELF TO XXXX XXXX IN XXXX. I can be reached via cell at XXXX XXXX XXXX XXXX and at work at XXXX XXXX XXXX XXXX or by my email at work at XXXX XXXX
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| 10/08/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2019, I opened a checking account, online, through TD Bank. Within several days of opening the account, I set up the account to receive direct deposits from my employer, XXXX XXXX XXXX. In the time-frame of about a week, I became locked out of accessing the online capabilities for the account, however, I have other checking accounts and this particular one didn't have any funds in it yet, so it was not of urgency to have the matter resolved right away. The XXXX direct deposit system, through my employer, typically take two pay periods before funds get deposited into a newly added account. Sometime around the week of XX/XX/XXXX, a week prior to being able to receive a direct deposit to my new TD Bank checking account, I called their customer service to see if I could resolve the online banking issue over the phone.The representative stated I would need to go to a local TD Bank Branch to confirm my identity and gave no further explanation. On XX/XX/XXXX, {$1000.00} from my employer was deposited into this checking account, and I visited a local branch to have my online access unlocked. It was at this time I was informed my account was in a " closed '' status, due to fraudulent activity, and that I needed to provide my social security card to confirm my identity. At that time the only identification I was able to provide was my Florida issued driver 's license as well as a US Passport. I was told this was not sufficient and that the only way the " closed '' status could be lifted was by providing my social security card. I visited another branch that day and the representative I spoke with confirmed the same information, that my account was " closed ' and that I'd need to provide my social security card to verify my identity. In addition, I was informed that the issue with my account had been escalated to a different department -- this is a department I still have not gotten any specific information about, other than they don't have a direct phone number and are currently investigating my account. The representative I spoke with that day informed me that since my account was " closed '' and the funds from my employer were only initiated and not deposited, that the direct deposit would kick back to the employer. I contacted my payroll department about the issue and they stated that once they received rejection of the funds they could issue me a check. The following Monday, I went to the branch again, this time providing my Florida issued driver 's license, US Passport, current car registration and a piece of mail in my name, confirming my address. Again, this was not sufficient, however this time I was told my account wasn't " closed '', but rather in a " no check status '' and that the funds had been deposited into my account with no way of reversal or retrieval from my employer. Again, I contacted customer service, this time being informed that my account was neither " open '' nor " closed '' but rather in a " restricted '' status. Nobody at the branch or through the customer service number could provide me any information or put me in direct contact with anyone investigating the matter, only that I needed to visit a branch in person to resolve the issue. On another instance, I was informed by a customer service representative via telephone that even though my account was restricted, my funds should be rejected and sent back to my employer within 6 business days, which has proven inaccurate. On two separate instances, at different branches, I've asked to speak with branch managers at TD Bank and have been told there were none there. Today, XX/XX/XXXX, I made a final attempt to have the issue resolved at a local branch. The main identifying piece of information they are requesting is confirmation of my social security number, so came with my Florida issued license, US Passport, current car registration, piece of mail with my current address, W2 forms from the past 3 years, that clearly show my social security number, the paystub from the direct deposit to their institution -- placed on XX/XX/2019, as well as my receipt from the Social Security Administration, showing my order being processed for a replacement social security card. The response I received from the representative I spoke with was that they were able to confirm my identity, however, my account was currently under investigation for fraud, by a department they weren't able to get in contact with, and that there was nothing I could do to get the {$1000.00} that has been sitting in the account for the last 12 days. The gentlemen informed me to call the number on the back of my debit card, since there was nothing he could do to lift the hold on my account. I asked him, in the event I provide my social security card once it arrives, if then I'd be able to access the account, and his response was no. I called that number on the back of my debit card and the customer service representative stated that my account was " locked '', he couldn't see/or have access to any information about it and that I'd need to go to a branch to have the issue resolved. At this point I have no other alternative but to file a complaint since I'm not getting any clear answers or resolution dealing directly with this institution.
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| 09/08/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In or around XXXX of 2021, I received a letter from TD Bank claiming I owed them approximately {$140.00}. The alleged debt originated with Raymour and Flanigan, a furniture company that I had a financing account with. I first contacted Raymour, because I did not make a purchase on the account for at least six months prior.
The source of the charge was not identifiable from my bill, and it took five or so phone calls to the store that the charge originated from to even get a description of the item I supposedly purchased. I spoke with several managers and other personnel who worked at the store, and eventually I confirmed the I did not put the charge on my account, and that it was likely a computer error or some other error on Raymour 's end ( Raymour later confirmed this ).
Rayour refused to correct the error and insisted that I resolve it with TD Bank. TD Bank consistently sent me back to Raymour, saying they could not fix the issue on their end. I was stuck in this pattern for over a month, calling several times a week.
Eventually, I disputed the charge with TD Bank. Over the time I was dealing with the dispute, I was told at least three times that my account qualified for " payment protection, '' meaning I would personally incur no penalties for not paying the outstanding balance while my dispute was pending.
At least one month later, I received a letter from TD Bank saying that it ruled against me in my dispute. I immediately contacted the bank to determine what happened, and was told over the phone that the bank had actually ruled in my favor and a letter should be in the mail. I waited about a month, and having received no letter, I reached out again. This time I was told that the dispute was ruled in my favor, but I would still have to pay. I pressed further, and was eventually told that the bank decided against me in the dispute.
Eventually, TD Bank arranged to have someone from the dispute department call me. The representative from that department told me that a Raymour employee informed them over the phone that I did purchase the item in question and that I had it delivered in or around XXXX. I explained to TD Bank that something was wrong, because there would be a document with my signature purchasing the item, and a document that I signed at the time of delivery in XXXX. Because I received no deliveries since XXXX, I knew no such document existed.
The representative from the dispute department said she would provide this information to the dispute department and they would investigate further. I was assured that my account still qualified for payment protection because the dispute was ongoing. She said they would get back to me. To date, I have not been contacted by the dispute department.
I sent multiple requests via email requesting the documents upon which the denial was based, with the earliest one being sent on or around XX/XX/2021. After at least two of these emails, I was contacted by a member of TD 's customer service. I was told these documents would be sent to me via mail in XXXX. To date, they have refused to send me such proof.
On Friday, XX/XX/2021, I received collection letter from TD Bank saying my account was about to be placed in bad standing. The balance, with interest, was nearly {$300.00}. I spoke with a representative and a manager from TD Bank that night, who informed me, for the first time and contrary to what was represented to me during the course of my dispute, that my account did not qualify for payment protection and that I had to pay the minimum amount due ( nearly {$150.00} ) by XX/XX/2021.
This weekend, I saw for the first time that my credit score has declined nearly XXXX points. Prior, my score was consistently at or around XXXX. The only negative item on my credit was the charge from TD Bank.
I have since received an email from a manger at Raymour confirming that the charge is not valid.
I estimate that I have spent over 15 hours on the phone between Raymour and Flanigan and TD Bank, and I have sent numerous emails. It has become clear to me that this dispute can not be resolved. I know for certain that if TD Bank did in fact conduct an investigation, it did not do more than receive a verbal assurance from someone at Raymour that I owed the money. There is no documentary proof that the charge is valid, and I did not authorize the charge.
Raymour and Flanigan acknowledged that they posted an unauthorized charge to my account. They have made no meaningful effort to fix the problem, and have instead insisted that I resolve it with TD Bank. Specifically, XXXX XXXX, the customer care manager, has repeatedly acknowledged the problem but made numerous misrepresentations to me about his ability to correct it. TD Bank has made clear, many times, that they will not fix the problem unless someone from Raymour and Flanigan says the charge is not valid. Raymour and Flanigan affirmatively prevented TD Bank 's minimal efforts to investigate the dispute by providing them with false information, and would have known that was the case if the Raymour employee spend any amount of time looking into the issue. They have refused to talk to each other directly, despite my many attempts to get them to do so.
|
| 11/13/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Hi NORDSTROM CLOSED MY ACCOUNT. I 'VE LEARNED TO START WITH COMPANIES LIKE CFPB RIGHT AWAY BEFORE 30DAYS FROM NOW ON.
EVERYTHING IS DOWNLOADED STARTING XX/XX/XXXX TO XX/XX/XXXX- RE : CLOSED CREDIT CARD IN MIDST OF UNRESOLVED CHARGES. WITH XXXX XXXX IN CUSTOMER RELATIONS FOR 1YEAR VIA PHONE AND EMAIL.
RESULTING IN HORRENDOUS DAMAGE TO MY CREDIT SCORE. IT WAS AGAINST MY WILL AND FORCED UPON ME DUE TO THERE NEGLIGENCE.
XXXX XXXX DOWNLOADS START WITH XXXX CANCELATION OF XXXX SNEAKERS EMAILED TO ME FROM NORDSTROM-1ST REP ACCUSED ME OF HAVING ITEM.
HAD TO CALL OHIO AND REPORT-WASNT WARE UNTIL XX/XX/XXXX XXXX XXXX WAS'NT MANAGEMENT. THEREFORE, MANAGEMENT XXXX XXXX ADMITS IN MEMO YOU WILL READ SHE WAS AWARE OF XXXX XXXX YEAR LONG HANDLING OF MY ISSUE BEFORE THEY AUDACIOUSLY CLOSED CREDIT CARD AND DAMAGED MY CREDIT.
NORDSTROM COULD NOT LOCATE CANCELATION ON THERE END EITHER- TOLD ITEM WAS RETURNED-WOULD NOT REMOVE FROM ACCOUNT- XXXX XXXX XXXX LOCATE IT EITHER NO ONE MADE NO SENSE TO ME. I KNEW IT WAS CANCELED. LOW AND BEHOLD MY NEICE FOUND EMAIL.
FORWARDED TO XXXX. PRIOR TO THAT XXXX RESOLVE WAS CREDIT. I WANTED AN ANSWER. NOT LOCATING A TRANSACTION WAS VERY CREDIBLE FOR ME. THIS WAS NORDSTROM.
XX/XX/XXXX. AND XX/XX/XXXX ORDERED KEPT RETURNING 3 PAIRS OF BLK 1 MAUVE XXXX XXXX SHOES-THEY WERE USED, VISIBLY WORN, STORE WAS AWARE- XX/XX/XXXX RECEIPTS WITH TRANSACTION NUMBER {$33.00} DISCOUNT AMT INFORMATION I TRANSCRIBED TO XXXX XXXX- XX/XX/XXXX LIST XXXX SENT ME STILL SHOWS {$42.00} XXXX SHOES NOT DISCOUNTED.
XX/XX/XXXX {$45.00} BODY SHAPER PURCHASED IN XX/XX/XXXX TOLD TO XXXX VIA PHONE AND EMAIL DOWNLOADED SEVERAL TIMES CONSTANTLY IN XX/XX/XXXX AND XX/XX/XXXX ON XX/XX/XXXX LIST SHE SENT ME. BUT THEY DAMAGE MY CREDIT.
XX/XX/XXXX MY RECEIPT CANCELATION OF XX/XX/XXXX XXXX FROM NORDSTROM I HAD TO EMAIL TO XXXX. PROOF OF THERE INCOMPETENCE FAILURE TO LEGALLY CORRECT DISCREPANCIES IN TIMELY MANNER.
XX/XX/XXXX REDUNDANT DISCUSSION WITH XXXX. RETURN ITEMS STILL FROM LAST YEAR STILL ON MY CARD. MARKDOWNS ARE N'T BEING DONE REPORTING EACH ITEM TO XXXX. MONTHS WOULD PASS. IF I DID'NT STAY ON XXXX SHE WOULD NOT DO HER JOB.
AT STORE WITH RECEIPT IN HAND, MAN IN WHEEL CHAIR CAN NOT PULL UP RECEIPT AT ALL. RECEIPT IS LEGIBLE, I 'M A PROFESSIONAL, WELL DRESSED, NO DECEPTION IN MIND, VERY EMBARRASSED WAITING. HE HAD TO FORCE RECEIPT TO DO RETURN. REPORTED TO XXXX.
CALL IN MARKDOWN ARE BE OMITTED. WHEN DISCOVERED REPORTED TO ITEMS XXXX. BLACK MAXI DRESS, DENIM JUMPSUIT ETC. ITEMS LISTED IN MEMO 'S MONTH AFTER MONTH AND TOLD TO XXXX. STILL ON HER XX/XX/XXXX LIST TO ME. AFTER THEY CLOSE MY CARD?
XXXX STORE RETURN REPORTED TO XXXX ANOTHER ITEM XXXX TEE SIZE NOT FOUND RECEIPT IN HAND. CASHIER WAS REFUSING TO TAKE, HAD TO CALL CORPORATE. CASHIER HAD TO DO WHATEVER TO RETURN ITEM. NO FRAUD GOING HAPPENING ON MY BEHALF. SERIOUS EMBARRASSMENT. HOW IS THIS HAPPENING CLEARING ON THERE END MY THOUGHTS ARE.
XX/XX/XXXX MORE INCORRECT INFORMATION FROM XXXX WHICH I TAKE RESPONSIBILITY FOR BECAUSE AFTER 30 DAYS THIS WAS TO BE STOPPED. XXXX XXXX AND THEE ENTIRE STAFF AT NORDSTROM KNOWS I THEY PASSED TIME REGULATED BY LAW TO RESOLVE WHAT YOU WILL FURTHER SEE.
XXXX XXXX AS YOU WILL SEE IN DOWNLOADS AND MEMOS AFTER THE AUDACITY OF XXXX XXXX AND XXXX XXXX TO THINK A POLICY IS IN PLACE AT NORDSTROM TO NOT RESOLVE MATTERS ON CONSUMERS CREDIT CARD FOR 1 YEAR, GET ANGST AND CLOSE IT BECAUSE YOU FEEL 1 YEAR WAS TO MUCH TIME WELL LET CFPB AND OTHERS DECIDE.
THIS WAS ILLEGAL FOR NORDSTROM TO ALLOW THIS TO GO ON. I BEFRIENDED AND WAS PATIENT WITH XXXX XXXX AS SHE DID NOTHING BUT CHARACTER ASSASSINATE ME, BRUSHED THINGS, MARKDOWNS, RETURNS ETC, UNDER RUG AND THREW MY CASE THE SIDE.
IT 'S PREJUDICE AND BIAS FOR ANY COMPANY TO THINK THEY HAVE POWER TO RUIN PEOPLE OUT OF SPITE OR WANTING THEM TO JUST GO AWAY.
NO NORDSTROM I WAS FAIR, PATIENT, KIND AND GOT PLAYED. JOKES ON YOU NOW. THIS IS AGAINST THE LAW.
I HAVE EVERY CALL AND EMAIL WITH YOU XXXX.
CONTACT ME FOR FURTHER INFORMATION XXXX I HAVE A MULTITUDE TO PROVE GROSS VIOLATION OF MISTAKES NORDSTROM WOULD NOT ADMIT TO.
XXXX WORDS ARE THEY SPENT HOURS TRYING TO SATISFY ME!!!! HA NO THEY TOOK A YEAR TO CALL ME AFTER I CALL THEM -- PICK UP WERE I LEFT OF!! - XXXX XXXX ALLLLWAAAYS!!! ASKED ME TO RESEND MY INFORMATION!!!
I HAVE WITNESS ON WITNESS TO THAT.
XXXX XXXX WAS NEGLIGENT LOST OR MISPLACED HAD LITTLE CONCERN WHICH WE FIND BIAS DAMAGING MY CREDIT DUE TO HER INCOMPETENCE- ASK XXXX AND XXXX WHAT GAVE THEM THE RIGHT TO TAKE 30, 60 OR 90 TO COMPLETE?
WHY DID I HAVE TO RESEND INFO SHE DILIGENTLY AS XXXX XXXX SAT BESIDE XXXX LISTENING AND WATCHING HER SPEND HOURS THAT TOOK A YEAR.?
WELL AS XXXX STATED SHE DID SO IN MEMO SHE 'S LIABLE FOR XXXX SINCE XXXX HER SUBORDINATE.
THE RESOLUTION IS NEVER TO SIMPLY BE MALIGN, INJURIOUS TO ANYONE OTHER THAN CREDIT MONEY NORDSTROM FRAUDULENTLY WAS IN THE HABIT OFF PLACING ON MY CARD THINKING IT WOULD GO UNNOTICED.
I HAPPEN TO BE AN HONEST AND THOROUGH CONSUMER. NOTHING IS AGAINST THE LAW BEING THAT WAY. I WANTED TO PAY THE REST OFF MY DEBT.
NOT THE ENDING HOSTILE, UNSYMPATHETIC, UNFRIENDLY, COLD ENDING IMPOSED ON ME BY EVERYONE I SPOKE TO.
|
| 05/12/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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This complaint is against TD Bank - Credit Card division. Since around XX/XX/XXXX, I have gone round and rough with TD Bank. They have NOT protected my consumer rights allotted by through in using their credit card. I disputed a charge from XXXX XXXX in XX/XX/XXXX and several times since as they keep putting the charge back onto my account finding in favor of the Merchant ... which is ludicrous! I do NOT believe that the disputes back office team ( that the customer nor their disputes department has no way of speaking with ) is reviewing my mountain of evidence submitted ( granular details, copies of receipts for products that I purchased and supplied that we suppose to be used by XXXX towards the service, copies of coupons used, etc. On XX/XX/XXXX, I spoke with a TD Representative, XXXX, in the Disputes department. She informed me that the case was ruled in the favor of the Merchant ( XXXX ) due to representment and the charge of {$99.00} on XX/XX/XXXX was placed back onto my account. I was told, by the Rep, that in order to re-open this case, I have the option of sending this e-mail to do so. I wish to re-open this case for further investigation and consideration of refund. The Rep provided notes to the back office Disputes Team with my wish to re-open the case. That confirmation # is : XXXX. I have initiated complaints with the Better Business Bureau and Consumer Financial Protection Bureau against XXXX XXXX XXXX XXXX and now with TD Bank for not protecting my consumer rights in using the credit card ending in XXXX. An outcome other than a 100 % refund is and will be considered unacceptable and unresolved. I faxed in and provided written evidence that I believe has only been skimmed through and not fully reviewed. In synopsis, my situation is that I paid for specific services that were not provided ; a standard oil change ( with free tire rotation ) and a coolant flush using a machine. Please take note of the underlined and bold words. C-VAC - Coolant Service Machine FEATURES Rapidly drain & fill coolant with the radiator mouth suction and fill process Quickly & completely flush / exchange all coolant in the system Drain for component change Perform a pressure test on the system & radiator cap I hired XXXX XXXX XXXX XXXX in XXXX, VA to use a machine, traditionally called a Coolant Service Machine ( C-VAC ) to completely drain and flush all of the coolant from my vehicle ( engine, hoses, radiator, reserve tank, etc. ) and by hooking up to a C-VAC machine that they confirmed they had and would use on my vehicle back in early XX/XX/XXXX. They were also hired and instructed to do a standard oil change. I brought in several coupons from XXXX 's website and from a competitor 's. XXXX accepts competitors coupons and provides an additional 5 % discount to that coupon. To go on, I provided ALL of my own coolant fluid ( XXXX ) and ( 1 ) quart of XXXX XXXX XXXX that replaced having to use one of their quart 's of oil. In providing my own fluids and working with the Assistant Manager, XXXX took my coupons as partial payment and the remainder owed with {$99.00}. Please refer to the initial invoice. In multiple places, you will see that their was no miscommunication as to what the job entailed -- Coolant Flush. XXXX confirmed with me that the service technician only completed a coolant drain and not a coolant flush. A coolant drain only consists of pulling a plug at the bottom of the radiator and allowing the coolant to drain into a bucket. They put the plug back in and refill with new coolant. This is NOT what I hired them to do and not what the regular maintenance in my vehicle 's manual calls for. A drain leaves a great portion of coagulated coolant with gunk/debris left in the hoses, engine, etc. and on the inside lining of the hoses, etc. A flush is connected to a machine and uses high pressure to remove ALL coolant fluids from the vehicle. Then, brand new coolant/DexCool can be added. This is the correct way, the way that was discussed and instructed, but was NOT performed -- -I want a 100 % refund. XXXX lied in their first rebuttle stating that the discounts on the initial invoice was relating to trying to appease/resolve my complaint.This is a lie. The discounts are solely related to my coupons and my bringing my own supplies ... so they did n't have to use their own! I am outraged at TD Bank not fully advocating me in this situation as provided by law. This is not resolved. I do request that you all review my mountain of evidence and everything that was submitted. Any reasonable, rationale person would be able to easily conclude that XXXX did not provide the services that they were hired for. You ca n't just do part of a job or a different job and expect to get paid. This is fraud. TD Bank, please step up and see that Fraud by XXXX XXXX was committed! Do the right thing and refund my money! Thank you. XXXX XXXX Cell : XXXX XX/XX/XXXX XXXX XXXX Country Code : Original Account Number : XXXX Currency : US Dollar ( USD ) Merchant : Merchant Information : XXXX XXXX XXXX VA Transaction Date : XX/XX/XXXX Posted Date : XX/XX/XXXX Transaction Type : Purchase Reference Number : XXXX
|
| 09/30/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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This is in regards to Target XXXX XXXX. I made an online purchase XX/XX/XXXX for a XXXX XXXX. After my RedCard discount the amount came to XXXX. Later received an email stating my item was ready to pick up. On XX/XX/XXXX at XXXX my card was charged a second time. The boy at Customer Service said they were having an issue connecting to their online system so he ran the purchase through their register and assured me I was only going to be charged once. Later that evening I received a notification that my online order was picked up and account charged. I went online and found two transactions for one item. I immediately called Target Customer Service Line. There a man whose name I did not get assured me, I was not charged twice those were just transaction lines and I needed to wait for my credit card statement. They do n't double charge and I would only see one charge. When I logged in online in the middle of XX/XX/XXXX I saw the two lines were still there and sent a message through their website. I received a response asking for my transaction number. It 's then I realized my new statement had not posted so waited. When I received my email notification that my new statement was available I logged in and there were two charges for the ONE product I bought. I called their customer service line and kept telling my ordeal. Was finally informed the Dispute Department had closed and I 'd have to wait until Monday. I called again on Monday and eventually spoke to XXXX who assured me she saw what I was talking, apologized that it was n't taken care of and she could n't understand why I had the employee at the pick up counter run my card again. As if it was MY fault. I demanded this be resolved immediately as it had been a month with assurances and I better not get charged interest. XXXX explained she was going to get everything taken care of, not to worry, it would post within 24-48 hours. I explained that was great because then I 'm paying off the card, closing the account and not shopping at Target again. That was Monday XX/XX/XXXX. It is now Friday XX/XX/XXXX and I logged in to pay off the card as promised. The charges are still BOTH on my account. No credits. I called, spoke to Floor Supervisor XXXX employee number XXXX. She listened to my issues, placed me on hold and was supposed to transfer me to disputes. I was then told she could see where XXXX my Case Worker placed the request to remove a charge but it was up to the STORE to respond and take the credit off. They wo n't take the charge off without the store 's response. The store is located in XXXX XXXX, ND. So then I called the local store and asked for the manager. I spoke with XXXX who said I 'd " Like need to talk to XXXX cuz he 's like the manager of the whole front end. They 've never heard of such a thing with the store having to take a charge off a credit card ''. So I found out XXXX will be on shift at XXXX Saturday XX/XX/XXXX and the store opened at XXXX. XXXX took my phone number and name and I explained I would be at the store at XXXX with my receipt, the product and I would like credit for the over charge and return the product as I was done with these issues and Target. I then called the direct number for Dispute Department given to me by XXXX. The woman who answered took my information and transferred me to XXXX, I of course got voicemail. So I left a VERY terse voicemail that I was filing a complaint with you. I keep getting the run around. Surely Target has a sophisticated enough system to identify and admit I was charged twice for one item. Yet not sophisticated enough to actually provide the consumer with a credit after going around for a month, every person I talk to assured me I was n't charged or they were going to take care of it. Yet here I am a month later and nothing has been resolved. XXXX at the store even told me I had to call the credit card company to place the dispute. I found that ridiculous especially since I 'd already told her twice it was my Target RedCard and that the Dispute Department said they needed to take care of it at the store level. Of course, XXXX never contacted me to tell me they were placing the blame and responsibility back on the store. She 's blamed me, now the store. This is theft as they still expect payment from me, without resolving the charge and almost half my account balance is related to the dispute. I owe XXXX that includes the interest incurred on the TWO charges. The charge was XXXX twice. Nearly half my bill as stated. I am the victim. They are not actively doing anything to fix this issue. They like to use the term Guest rather than Customer, which I find ironic as no one I know would treat a guest this horrifically. I want this resolved and yet it appears as though Target does n't by their lack of response and empty promises. All they want is for me to pay them money. I even told them I was filing a complaint with the CFPB and they acted as if it did n't matter. Maybe they thought I would not follow through. I truly hope someone will do something about this and respond to me. I need someone to act.
|
| 12/01/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
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Web |
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Roughly XXXX or XXXX years ago, I purchased a furniture set through a company that I financed. During the life of that loan, it was sold to another organization, XXXX XXXX XXXX XXXX. Automatic payments were set up for the loan, with the understanding that the final payment would be in XX/XX/2018.
In XX/XX/XXXX, my remaining balance was {$37.00}. The monthly payments up until that point were {$32.00}. It was communicated beforehand that the final payment would be slightly more. However, the company 's payment system, through which my bank account was automatically debited each month did not process the last payment because the scheduled withdrawal amount of {$32.00} was not sufficient to cover the remaining balance of {$37.00} ; or at least that is the understanding I gained from my conversation with the company.
At no point in our communications was this functionality limitation of their system communicated to me. In my initial agreement with the organization, and I assume ownership of that agreement was transferred but still binding, I agreed to pay the final amount of {$37.00}. Because I had a remaining balance, I began accruing a {$1.00} finance charge each month. Afterwards, the minimum payment due was set to {$2.00} and the system began debiting my account again. This meant that each month, I would pay the company a {$1.00} fee and only {$1.00} would go to my principal balance, potentially extending the loan an additional XXXX months. Since I run on a budget and {$2.00} is immaterial, I did not notice until XXXX months later. Yes, the total impact is not significant. This cost me {$6.00}, and if it went unnoticed, would have cost me {$37.00}, barring any other fees ( which are probable ) that I am unaware of. However, their customer base for this function of their enterprise is comprised of mostly low income people, i imagine. Those typically have to finance purchases of this nature due to their inability to expend amounts of a few thousand in a single instance. If this practice is done to all customers, the company is reaping a massive profit in what I feel is a very unethical, and predatory manner. These are the items that give me the impression that this practice is intentional and hopefully in violation of some form of regulation or ethical standard : 1. ) The payment schedule was agreed to in the initial contract. The final balance was communicated to me within that schedule. When the automatic payments were agreed to, it was not communicated to me nor was there any indication that the final payment would not also be automatically withdrawn. In fact, though I have not yet located the initial paperwork, I am certain that the language used to describe the service stated that the minimum payment due would be withdrawn, and am willing to research further if this complaint requires additional information. Continuing, if the minimum payment due was {$37.00} on the payment schedule, why was it not also {$37.00} in the system?
2. ) The structure of the payment system indicates that this process is intentional. As discussed, the system refused to process the final payment altogether because it was not sufficient to cover the remaining balance. External to the fact that it was implied the automatic withdrawal would adjust in the final month, the system did not apply the {$32.00} amount to the balance, either. By not applying the {$32.00} and instead refusing to process any contribution to the account in this instance or set of circumstances indicates, to me at least, that this is not a functionality limitation of their software, but rather an intentional design choice. An intentional design choice that increases the life of a loan by potentially a significant amount of time, should it go unnoticed by the consumer.
3. ) In further support of the intentional nature and possible predatory practice of the system, consider the ensuing payments after XX/XX/XXXX - in XX/XX/XXXX, the system was programmed not to pay the {$37.00} remaining balance ( that was scheduled in the agreement ) due to the automatic withdrawal amount being set to only {$32.00}. However, once the balance was unpaid, and finance charges began accruing, the automatic withdrawal amount was adjusted to {$2.00}, without my consultation or authorization. The system then began applying a {$1.00} finance charge each month and only contributing {$1.00} to my balance. At this point, though the automatic payment amount was less than the remaining balance as was the case in XX/XX/XXXX when the system rejected the automatic payment, the automatic payments were able to be processed again.Due to the discrepancy in withdrawal practices, significant reduction in automatic withdrawal amount which would conveniently extend the length of the loan and allow them to accrue additional finance charges, the small amount of the new automatic withdrawal after the " delinquency '' has occurred ( which seems designed to slip through consumers ' notice due to the immateriality of the amount, as happened to me ), I feel this is a predatory practice.
|
| 06/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
On or around XX/XX/XXXX, I received an alert by XXXX XXXX, notifying me that TD Bank reported to one or more credit bureaus a {$25.00} balance with " Open Date '' XX/XX/XXXX. I am not aware of any balance with TD Bank. Since then, I have numerous times contracted TD Bank by phone to determine the nature of this {$25.00} balance that seemingly appeared on my credit report, out of nowhere, on or around XX/XX/XXXX when I was notified by XXXX XXXX. TD Bank has not provided any relevant information to date. Instead, after long waits, I was transferred from one department to another, or l was informed that someone will call me back. They did not.
In the meantime, I filed disputes with all three credit bureaus. To the best of my knowledge, none of them resolved the dispute. It seems they took for granted the credit report filed by TD Bank, without further investigation into the validity or lack of thereof the {$25.00} debt/balance TD Bank contends.
On or around XX/XX/XXXX, I sent via certified mail, a Debt Collection Verification letter ( using the CFBP template letter as a guide ) to at least three different TD Bank offices. Subsequently, upon my phone inquiries, I was told by two different TD representatives that my certified letter was received by TD Bank on XX/XX/XXXX.
Today, XX/XX/XXXX, I called TD Bank again, to find out when I should expect a written response to my letter. After about 40 minutes on the phone, mostly waiting for a supervisor to pick up, I was transferred to TD Customer Service. The Customer Service representative, in turn, advised me to fill out a " Consumer Credit Report Dispute Form '' and submit it to : TD Bank XXXX. XXXX XXXX XXXX, South Carolina SC XXXX Unfortunately, the form shows that the above address is to be used " If you have a XXXX Credit Card with TD Bank ''. I do have a XXXX Credit Card with TD Bank. However, TD Credit Card Services has already acknowledged, in multiple occasions, that my account has been in good standing and I do not owe or have a {$25.00} balance on my TD credit card. As a result, sending the form to this office will not resolve the problem.
To avoid further delays, I request that CFPB would contact TD Bank on my behalf to to respond to the specific questions I address in my XX/XX/XXXX letter ( see copy attached ).
Below are the questions I addressed in my XX/XX/XXXX letter : " Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. '' Thank you for your attention to this matter.
|
| 08/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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NOTICE TO CEASE AND DESIST Immediate Attention Required Pre-suit Letter Demand FINAL NOTICE XX/XX/XXXX TD BANK USA/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Account ID # XXXX XXXX XXXX XXXX Account # XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Account ID # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Credit File # XXXX XXXX XXXX Fax : ( XXXX ) XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX.
Washington, XXXX XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Office of the Commissioner of Financial Regulation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Account ID # XXXX XXXX XXXX XXXX Account # XXXX XXXX Credit File # XXXX XXXX XXXX XXXX : Defamation of Character For Libel and/or Slander ; Violation of FCRA ; Negligent and/or willful violations of the FCRA after notice of a dispute from the consumer reporting agency Dear XXXX XXXX XXXX and XXXX ; Under the laws in the State of XXXX, it is unlawful to make deliberate statements that intend to harm a persons reputation, defamation per quod and defamation per se, without factual evidence or based on hearsay.
This letter hereby alleges violations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et eq., the XXXX Consumer Protection Act ( MCPA ), Md. Code. Ann., Com. Law 13-101 et seq., and the XXXX Consumer Debt Collection Act ( MCDCA ), XXXX. Code Ann., Com. Law 14-201 et seq., with respect to its investigation and reporting of accounts, by providing and reporting false information relating to my aforementioned account and defaming me through the reporting of this erroneous information The defamatory statements include, but are not limited to, the following : ( SEE ATTACHED ) On numerous occasions, erroneous information has been supplied to the Credit reporting agency, XXXX, and reported as such, to include not limited to the status of the account, terms, re-aging historical information, inconsistent reporting, balance, and validation and verification of such asserted balance, failing to reasonably investigate, knowingly and intentionally committing an act in conscious disregard for the rights of others, published material while entertaining serious doubts as to the truth of the publication or with a high degree of awareness of probable falsity or actual knowledge of falsity.
False Claim & Falsified Account Details 1. Per the attached credit file the first delinquency occurred XX/XX/XXXX, per the attached statements, which fail to span the entire account term, a delinquency was charged on the XX/XX/XXXX closing statement date for XX/XX/XXXX time frame. *** Re-aging**** 2. Per the attached Credit Card Statements another delinquency occurred XX/XX/XXXX, which fails to match the attached Experian Credit File # XXXX XXXX XXXX dated XX/XX/XXXX. *** Re-Aging*** 3. Per Reconciliation Attached see attachment # 3, ALL PAYMENTS AND PURCHASES HAVE BEEN PAID IN FULL.
4. THE BALANCE CLAIMED IS THAT IN WHICH VERIFICATION AND OD VALIDATION HAS FAILED TO BE RECEIVED ( XX/XX/XXXX PREVIOUS BALANCE ), XXXX FEES AND INTEREST DISPUTED PER AFOREMENTIONED WITHIN THIS STATEMENT, AS WELL AS XXXX FEES AND INTEREST ( MOST OF WHICH WAS CHARGED POST CARD HOLDER CLOSING ACCOUNT ), XX/XX/XXXX.
5. PLEASE BE ADVISED. Per XXXX COMMERCIAL LAW 12-506 - Maximum finance charge -- Open end account ( interest and fees can not be calculated based upon this charge ) 6. For the aforementioned, reasons the trade line is being falsely reported and verified as accurate.
Attachment # 1 .XX/XX/XXXX XXXX XXXX XXXX XXXX Credit File ( Closed account ) Attachment # 2 Numerous Credit Card Statements dating back from closing date of XX/XX/XXXX to XX/XX/XXXX Attachment # 3Account Reconciliation Credit Card Statements closing date of XX/XX/XXXX to XX/XX/XXXX If you do not cease all related statements a defamation of character lawsuit will be commenced against you.
In addition, this shall serve as a pre-suit letter demanding that you provide written assurance within five ( 5 ) days from that date of this letter, XX/XX/XXXX, that you will cease and desist from making further factually untrue statements and delete all reported information duplicating misinformation forever.
If you do not comply with this cease and desist letter within the aforementioned time-period then a lawsuit may be filed in the proper jurisdiction seeking monetary damages as well as pursuing all available legal remedies for your defamation.
Under section 1681s-2 ( b ), it has been concluded that if the consumer can prove the credit information furnisher violated the FCRA negligently or willfully, the consumer may bring an action under state common law for defamation, slander or invasion of privacy.
XXXX XXXX XXXX is hereby demanded upon to remove all credit reporting, collection and claim with any and all companies, credit reporting agencies and/or any other entities concerning the aforementioned trade line effective immediately for the said reasons.
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| 10/14/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On or about XX/XX/2021 I received a text stating it was from the TDBank fraud department asking me if I submitted a payment in XXXX for {$500.00} it then stated if yes type YES and if no type NO, so I sent a text back stating NO. I then was told that our account had been hacked and that they were calling me, my phone then rang showing the TD 800 number and when I picked it up they asked for XXXX XXXX XXXX and told me it was the Fraud Department for TDBank and that my online accounts had been hacked and that I needed to log into my account and change my passwords. At that point I felt something was off so I hung up and called TDBank who told me they hadn't texted or called me, I was then instructed that they had to close all our accounts and that we needed to go to the Bank the next day to open new accounts., they also sent me to the Fraud Department to go over transactions that come out of our accounts on a monthly basis and for money desposited electronically into our accounts. I spent 2 1/2 hours on the phone with this girl and she assured me all was set and that we shouldn't have any problems getting our money and others getting paid. Well that was wrong for the next week I spend hours everyday on the phone with people explaining what happened and why the payments were returned. I was getting whacked with overdraw fees on both ends. I called XXXX at the Bank again and she just said oh I'm sorry let me check with the back office and see what happened. On XX/XX/2021 my husband and I went into our local Branch at XXXX XXXX XXXX in XXXX, we sat with XXXX for over an hour setting up all the new accounts. We had a Business Checking, a Personal Checking and a Savings account that were all linked together. After spending that amount of time there we were told everything was all set we could use the debit cards and the new accounts were ready to go. My husband went to the Supply house and tried to use his Debit card and it got Declined. I tried to use my card and it got declined, I then went online and tried to transfer money just to see if it worked and it didn't! I called XXXX at the Bank and she said Oh I don't know what happened the Back Office assured me everything was fine! XXXX never calls back I have to get up every morning and look at my account to see what's happened next in the mean time we couldn't use our accounts. A couple of days later I called and XXXX was off that day so clearly nothing was being done about our issues, so I asked for another Manager XXXX got on the phone and I explained what was going on she said oh my goodness let me check with our back office and see what is going on. XXXX called me back and said we were all set that there was an error made and it was fixed.
The next morning I got up and saw that {$1100.00} had been reversed from our Savings account, I again called and got XXXX he stated that he had no idea why this happened and that he would check with the Back Office to see if they can investigate it.I got sick of waiting for XXXX and XXXX to call me back so I called the 800 customer service number and asked to speak with a Manager and I also asked for the number for Corporate I was told they will gladly give me an address to write a letter to them but there were no numbers to contact, the Manager finally picked up and called the local bank herself and spoke to XXXX who fixed some of the issues, they then put me on the phone with XXXX from the Fraud Department so she could help with the automatic payments/withdrawals being allowed to go through. When I spoke to XXXX XXXX told her I had a huge problems with girl I spoke to before and her comment to me was " I am VERY good at my job '' well she wasn't because after spending another hour on the phone with her everything still bounced and TD Bank continued to charge me overdraft charges {$35.00} a whack! Up until today I still haven't received a straight answer to any of this, but I have received overdraft charges on all accounts, to many transfer charges due to them transferring money from one account to the new ones, XXXX was suppose to order me new check which she never did so I ordered them to the tune of {$48.00} which is ridiculous! I am still waiting for an answer to what the XXXX is going on with our accounts, the other day they went into my personal account and reversed my XXXX XXXX money of {$560.00} and again charged me {$35.00} overdraft. I am getting the run around and am extremely frustrated with all of this. I have spent hours of my time on phone calls, I have lost a good amount of money for their Security leak and am exhausted from all the work I have had to do to try and fix this issue. I NEED HELP PLEASE> As you can see the business account money was in there but for some reason they sat on his deposit and charged us XXXX in overdrafts even though the money was there! This is the games TD plays with their customers. Even if there is a pending transaction they charge you an overdraw charge even if the transaction hasn't gone through. This bank is the biggest ripoff!
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| 04/25/2018 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Deposits and withdrawals
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Web |
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XX/XX/XXXX around XXXX ET. I walked into a TD Bank branch, located at XXXX XXXX XXXX, XXXX, MD XXXX, to make a cash deposit to cover some negative balances on my accounts [ including the charged-off ones ] as instructed by TD Bank customer service. A teller, XXXX, greeted me and my husband and offered to help look into the issue since it's not easy to locate the charged-off account in order to divide the money and deposit the correct amount into the right accounts. XXXX then asked XXXX XXXX, a store assistant manager NMLS ID # XXXX to help me print the new debit cards. XXXX, who didn't greet us nor smile, reviewed the accounts and saw the negative balances and started asking about the reason why they went negative and how did I manage to open that many accounts. I showed him the installment agreements with the collection agencies [ XXXX and XXXX XXXX ] and walked him through each account. After satisfied with the document, he, then, printed out two debit cards which he dropped one form his hand and landed at his feet. He didn't make any attempt to pick it up so I decided to pick it up because we were in the hurry. At this point, we're not sure if he doesn't like XXXX people or just doesn't like any people but we can conclude that he has very poor interpersonal skills. I also asked for the international wire transfer instruction so my family can send me some money.
XX/XX/XXXX around XXXX ET. We went back to the same location to make a wire transfer out to my husband brokerage account and was hoping to find XXXX there since he already knows all the situation about the accounts. XXXX, XXXX, and another female Teller greeted and welcomed us into the branch and offered to assist with the cash deposit. I told XXXX that I need to make a wire transfer out and showed him the form from XXXX with all the information TD needs in order to complete the task. XXXX turned to the female Teller and asked her if Tellers are equipped for this task. The lady told him that a Banker will have to do it for me. XXXX said he'll grab XXXX for us as soon as he can get his attention. We waited for XXXX for a few minutes and was waiting for him to say Hello and ask us to sit in his office but nope, we were wrong. My husband even said hi and was ignored by him. XXXX told him that we were waiting for him. XXXX walked to us and asked what can he do for us. I told him that I would like to make a wire transfer out to my husband brokerage account. He, then, referred us to XXXX and walked away without saying anything else. XXXX invited us to sit at her desk and filled out the form then asked me to review to check if there is any mistake before she gets XXXX to approve the transaction. XXXX disappeared into his office for a while and came back to me a few times to ask some funny questions that XXXX made her ask me, for example, " how did you make the deposit? ", " Was it a cash deposit? ". I noticed that something does not make sense is going on, so I grabbed the document and search for the pictures of deposit slips that my sister sent me, and walked to his desk so XXXX does not have to walk back and forth between his office and her desk. He asked me where my sister lives and where did the money come from, imagine a scene from The Office when a boss is leaning in his chair while questioning his employee [ s ], that's what it looks like. He also asked how did my sister manage to make a deposit from branches from other States if she lives in Virginia. I was not sure since I didn't ask my sister if she asked someone to make the deposit for her. He also said that he can not approve this because yesterday I told him my mother is the person that gon na make a wire transfer from XXXX. I explained that it would take longer for them to do it, they asked my sister to send me some money instead so I don't have to wait but I did not know how my sister handled the situation. I asked XXXX if he wants to talk to my sister or look at the cash deposit slips that she sent me. XXXX refused to do both and said he can not approve something like this. My husband, then, stepped into the room and ask if there's a problem. XXXX said the deposits look suspicious and did not match with what I told him yesterday. My husband said he understand that TD Bank would like to know the source of money and asked if TD Bank has any system in place to check each cash deposit into my wife account and if there was anything suspicious about them or if someone blackmailed the person and manipulated him/her into making these cash deposits, the branches that took the deposit or headquarter should've raised the red flag already. Now that the cash deposit is settled in the account, my wife should have all the rights to do with them as she wishes. XXXX, then, went on and on and on about his theory and refused to approve this wire transfer for me. We fed up and thought this is a waste of time and energy to prolong this pointless argument because no matter we said, it simply did not sit well. We even wonder if he could hear us at all.
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| 04/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX Attention Target Card Services/ TD Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX Attention XXXX XXXX XXXX XX/XX/XXXX Sent Certified Mail with Return receipt Copy to Skip XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX FL XXXX Ref : account # XXXX Ref : XXXX XXXX XXXX XXXX of 4 Charges of $ XXXX x 4 = {$1600.00} Crdit Dear Target Guests Service As Target Card Services / TD Bank USA As Your Costumer, I hereby Notify for a third time to act accordingly, Read My Words : I Will NOT Pay for the Charges Of $ XXXX from XXXX XXXX from Last XXXX XXXX XX/XX/XXXX for a total of {$810.00} reposted on my Account after I contested them already 3 times.
I will NOT Pay any additional Interests that Target Card Services Has posted on my account related to {$810.00} XXXX XXXX.
I canceled XXXX XXXX on XX/XX/XXXX. XXXX & XX/XX/XXXX are not due & will never pay for XXXX & XX/XX/XXXX after I canceled my XXXX XXXX XXXX If I had paid with my XXXX XXXX XXXX, issue would have been resolved long time ago, after my first contestation the 2 Charges Of $ XXXX would have been refunded!
Target Card Services wants to get paid back, I strongly suggest You re-initiate 2 Retrieval Requests on those 2 Charges Of $ XXXX for {$810.00} total + all interests you have added That I Will NOT PAY FOR.
Furthermore, since I discovered the XXXX XXXX scam as their services, I paid for never worked in XXXX & XX/XX/XXXX, I hereby demand that Target Card & Services reverse the charges of $ XXXX for XXXX & XX/XX/XXXX & Credit my account with an additional {$810.00} I sent you the Same Notice Below But You have Not Credited my account for 2 fraudulent Payments of $ XXXX from XXXX XXXX charged for XX/XX/XXXX & XX/XX/XXXX which had been already contested with Proofs provided to Target Card Services You also have added interests that should be void.
As a reminder, in XX/XX/XXXX, I was prospected by Phone & I was victim of XXXX XXXX Insurance Scam, As I had signed up over the phone for XXXX XXXX XXXX XXXX Insurance in XX/XX/XXXX for $ XXXX Supposed to cover Doctors Visits with a Co-Pay of $ XXXX Prescriptions with a copay of $ XXXX & Hospital visits 100 % covered for My Son & $ XXXX CO pay for Myself & my XXXX XXXX
In XXXX & XX/XX/XXXX, all our Family of XXXX got sick & had to use our XXXX XXXX XXXX with the listed network of Doctors, Pharmacies &. hospital, but none of the Listed doctors, pharmacies & hospital ever accepted our Health insurance card letting us know that they had others patients before with XXXX XXXX XXXX & XXXX Providers never got paid for by XXXX XXXX XXXX XXXX XXXX had to self Pay each doctor visit, pharmacy prescription & Emergency Hospital Visit for My Son.
On XX/XX/XXXX, I called XXXX XXXX & left a message to the XXXX XXXX XXXX to cancel & I sent an email for Which I sent you copy as per Target requests to cancel my health depot coverage not working, in XXXX & XX/XX/XXXX, & was not supposed to be charged in XXXX & XX/XX/XXXX, after receiving my statements for XXXX & XX/XX/XXXX, my Target card still got charged $ XXXX twice.
Proofs that it is XXXX XXXX XXXX is a Scam : XXXX, XXXX, XXXX, XXXX XXXX all 5 Listed in the Network have dropped XXXX XXXX insurance as they have failed to pay for previous bills for others patients.
You have denied my request by Mistake.
You really need to review again my request, upon the Consumer Protection Act & XXXX, XXXX, XXXX Regulations as a Credit Card Holder Costumer, I have the right to cancel & get full refund not only after I proved that I cancel a health Depot insurance monthly Suscription but also I am entitled to the refund for every month the XXXX XXXX XXXX XXXX I paid for did not render the services it promised.
XXXX XXXX XXXX had failed to provide proof of my agreement & failed to prove their service & failed to show the reasons their service was denied in XXXX & XX/XX/XXXX & they failed to provide their Full Terms of Services for the XXXX XXXX XXXX XXXX & detailed coverage.
Target Card Services /TD Bank has been unable to provide such proofs, Therefore, By this present letter, I hereby request that not only that You credit $ XXXX in XXXX & XX/XX/XXXX for $ XXXX = {$810.00} In Addition, I also hereby Request that you credit my account for XXXX XXXX Insurance Scam got XXXX XXXX XXXX XXXX XXXX XXXX As XXXX XXXX insurance never worked in their own network XXXX XXXX XXXX XX/XX/XXXX XXXX & 10 months ago.
Total request refund is {$400.00} x 4 = {$1600.00} In addition I expect a credit of all interests & late fees you have charged to my account due to those {$810.00} charges I forward my Letter to My Attorney XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX FL XXXX XXXX ( XXXX ) XXXX Who will be representing Me in this Case.
Looking forward to see the resolution I deserve upon the costumer Protection Act, & XXXX, XXXX, XXXX, XXXX Regulations, I will protect my Rights to the full extend of the Law.
Govern Yourself Accordingly Best Regards XXXX XXXX
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| 10/08/2017 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Fee problem
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Web |
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XX/XX/XXXX I deposited to my savings account at TD Bank, a {$100000.00} check from my own US Dollar account at the XXXX XXXX XXXX. I consulted with the manager, XXXX, as to the time it would take for the funds to be available and whether or not there would be fees involved. She assured me that since the check was from a US dollar account even though in a XXXX XXXX, that there would be no fees and it would take 5 business days for the funds to be available.
XX/XX/XXXX The funds had not yet appeared in the account so I consulted with the manager who was unable to find out any information as to the delay and suggested I call the foreign check collection division of TD. When I called I spoke first to XXXX employee number XXXX who was unable to help and put me through to XXXX in Foreign Check Collection. She initially said the delay was due to making the foreign exchange and when I informed her there was no exchange to be made since it was coming from a US dollar account, she said the manager who processed the check made a mistake in the way it was presented and therefore it would take 4 to 6 weeks to arrive.
After several visits back to the branch manager, XXXX, and several more phone calls the funds were finally deposited in my account on XX/XX/XXXX. However the amount was not the face value of the check but XXXX or {$150.00} less than the full amount.
XX/XX/XXXX I called the customer service number and got another run-around about exchange fees and when that did n't satisfy me ( since there was no currency exchange! ), I was told that the XXXX XXXX deducted the fee from the check and that TD did not receive the face value of the check. I questioned how it was possible that a bank would accept anything less than the full value of the check but got no answer.
I called XXXX ( both the customer service line and the branch where my account is based ) and confirmed that they paid out the full face value of the check and that no fees were deducted. They also pointed out that had there been fees, they would have been deducted from my account, not the check. ( *XXXX XXXX offer these US dollar accounts so that their customers can use them in the U.S. with no fees, exchange or otherwise ) I then went back to the branch manager, XXXX , who said she would look into the problem. She later informed me that {$17.00} was a fee from TD which would be refunded, ( it was ), but that the other {$130.00} was a fee from the XXXX XXXX. She printed out a letter which was supposedly mailed to me showing these fees ( see attachment ). I remarked that the letter was meaningless since it gave no information as to which back supposedly charged the fee and moreover, there was no signature on the letter! She said that the one I would receive in the mail would be signed and left it at that.
XX/XX/XXXX I called the customer service line at TD and asked to speak to a supervisor. XXXX, looked into the matter. He at first said he thought that the transaction had been processed as a bank wire and therefore the fee, but then realized that it was a simple check deposit and would have no fee attached. After putting me on hold he came back and referenced the same letter that XXXX had, insisting that the XXXX XXXX had charged a fee. When I informed him that I had already confirmed with XXXX that there was no such fee ( nor would there be ) he suggested that maybe there was an intermediary bank used ( as in the case of wire transfers ) and that they had charged the fee. I pointed out to him that if a wire fee had been charged that TD should refund it to me since there was no wire transfer! He suggested I go back to the bank manager and again call XXXX. Later that day I did receive the letter from TD but it still had no signature and therefore no one to hold accountable for the incompetence ( or fraud ) in this matter.
XX/XX/XXXX I again called XXXX speaking to the assistant manager and confirmed that they had paid the full face value of the check to TD and that there were no fees involved. She said they do use an intermediary bank for wire transfers but, of course, since this was NOT a wire transfer, the money was sent directly to TD.
I then called customer service at TD again, this time speaking to supervisor XXXX. After going through, once again, the usual nonsense about exchange fees and the XXXX XXXX fees, I told him that I wanted the {$130.00} repaid to my account immediately. He said he had no authority to do that and would have to request it though channels. I asked why I was not previously informed of these " channels '', got no answer, and said he could do that but I was still going to file an official complaint with the Consumer Financial Protection Bureau.
I spent hours on the phone and going to my local bank branch to try to resolve this. Each time I got a different story and therefore have to conclude that either no one at this bank has the slightest idea of what 's going on, or there is deliberate fraud somewhere along the line.
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| 10/29/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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On XX/XX/XXXX I went to look at a XXXX XXXX XXXX used XXXX on the lot at XXXX XXXX XXXX XXXX. When I got there I informed the 1st person that talked to me his name was XXXX that I had emailed with XXXX XXXX and XXXX XXXX and that I had my own financing of up to {$14000.00} he joking said {$15000.00}. He got XXXX out to talk to me and I informed him of the financing and he opened the vehicle for us to look at. XXXX comes out and I tell him about my financing and then XXXX comes back and says you do not want this vehicle it takes synthetic oil and premium gas. Ok I was getting ready to leave as I only came in to test drive the XXXX XXXX XXXX. XXXX says come in and let me see if XXXX has better interest rates than XXXX. He said it would be maybe a half point on the credit score as he was doing soft inquiry. I also explained to him that I was still shopping and had an appointment to see a vehicle in XXXX XXXX at a dealer I also explained this to XXXX when I saw him, I was only doing preliminary shopping for a used XXXX. I also told him if he had a used manual transmission on the lot he needed to get rid of to let me know. He gets my information and disappears for about 30 minutes. When he comes back I specifically asked him are you checking with BANKS on my behalf and he said NO and left again and went back into another office. Another 30 minutes passes and I was getting ready to leave as I did not think it took that long to find out what XXXX interest rates were. He then takes me over to XXXX XXXX desk and XXXX writes on a scrap piece of paper that he can get me a XXXX new XXXX XXXX manual transmission for {$480.00}. a month. I started laughing and was getting up to leave and he said what can I do to get you to buy this vehicle today. I laughed even more I thought this was all rather funny as I had told him now on several occasions that I had my own financing even showing both XXXX and XXXX the email from XXXX and that I was still shopping and had plans to see more used XXXX 's in the next several days. He said we can get you the new XXXX XXXX manual transmission for {$11000.00}. and it will be {$480.00} a month. I said no thanks and left. My XXXX year old son was with me and will attest to these facts also. The next day XXXX calls up and says good new we can get you in the XXXX for {$390.00} a month I was like what ... I told him that I had already told him on several occasions I was not ready to buy nor was I shopping for a new vehicle. Then I get notification from my bank that several hard inquiries had been run on my credit. I contacted the 3 lending institutions that I saw and inquired if any were XXXX financing none were. I contacted the manager of the dealership to give him a chance to correct this wrong. He said he was not there that day and he would check for me. He called back and said that XXXX had not informed the assistant manager that was there that day that I had my own financing nor did he tell him that I was shopping for a used vehicle. That XXXX had informed him that I desperately needed a vehicle. I did not give any one permission to try to get me financing nor did anyone ever ascertain from me the terms I would want to obtain a loan or even how much down payment I had as this information was already in my loan application with my bank XXXX and I had been approved for a loan through them for up to {$14000.00}. on a used vehicle of my choice. The manager said he would not contest when I sent my letters to the credit bureau that they ran unauthorized loan applications without permission using my information. But I find this practice very unethical and they lied to me and I am sure running someone's credit information without permission is wrong and should be prosecuted. I have further received a letter from XXXX that says they declined to give me a loan. I called them and told them I did not apply for a loan with them. They were not interested in finding out that XXXX XXXX XXXX XXXX ran this without my permission. It would seem that every bank that XXXX XXXX XXXX XXXX pulled into this scheme of illegal behavior would also be culpable. I am not sure of the number of times they applied for credit for me without my permission or knowing how much I had to put down or any terms that I would want to complete a loan. The manager said XXXX never checked XXXX financing and that would only take a phone call and he did not need my information to ascertain the interest rates from XXXX. This seems to have been deceptive from the beginning nor has anyone informed me the interest rate or any other relevant information that I would need to make a determination. This was deceit from the beginning and these actions have been detrimental to me. These actions have harmed me as now the interest rate of my approved loan will be adversely affected by the deceitful actions of XXXX XXXX XXXX XXXX. I will be happy to provide any and all information that you will need along with the contact information for my witness.
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| 12/01/2020 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I'd like to file a complaint against both TD bank regarding my case below : I opened TD bank account on XX/XX/XXXX on TD bank website because I got a mail invitation to open account from TD Bank. After the account successfully opened on TD Bank website, TD Bank website requested me to fund the account. So I did a fund transfer from XXXX XX/XX/XXXX to TD bank by filling my bank account information on TD bank website. After a few days, on XX/XX/XXXX, I got an email from TD Bank saying the fund transfer is unsuccessful and requested me to call them. I checked my XXXXXX/XX/XXXX account, the fund went out on XX/XX/XXXX and it never came back to my XXXX checking account. I called TD Bank customer service at XXXX and I was told I have to go to TD branch to fix the issue. I went to TD Branch in NJ on XX/XX/XXXX and I was told that the account was closed by TD Bank right after its opened by its system. ( Complaint 1 with TD : TD bank closed customers account without notifying customer and even though the account was closed, it asked customer to fund the account. TD bank website is obviously misleading customer and not clearly define the account opening process. Customer was told that account was open successfully online while was told a different process in their Branch ).
Because the account was closed, the fund transfer was rejected. I was suggested to contact XXXX XX/XX/XXXX to fix the issue. ( Complaint 2 with TD bank, The transaction was made from TD bank website, TD bank should be responsible for the grace and fully completed transaction. In case of problem, TD bank doesnt show their willing to help customer but push customer to the other side and let customer to fix the issue. ) I made a call to XXXXXX/XX/XXXX hotline, the operator redirected me to their claim department on XX/XX/XXXX. XXXX claim department told me that the money was transferred to TD bank and TD bank should have my money. I went back to TD bank branch and asked the XXXX claim department staff on the call to talk to TD bank branch manager. TD bank branch manager clarified that the transaction was rejected and suggested XXXX claim department staff to file a claim. XXXX claim department staff agreed to file claim and move on with the fund trace from XXXXXX/XX/XXXX and suggested me to give a call back in1-2 days. On XX/XX/XXXX, I made a following up call with XXXXXX/XX/XXXX claim department and I was told that the claim was closed by XXXX as they couldnt find any rejection code or error in their system. In the meantime, I called TD bank branch manager again and ask him to talk to XXXX claim department. This time XXXXXX/XX/XXXX said they will open the claim and reached out to XXXX ACH department /back office to check. XXXXXX/XX/XXXX asked me to make another follow up call in 1 or 2 days. TD bank branch manager also suggested me to reach out to TD bank hotline if we want to reach out to TD bank ACH department/back office.- XXXX. I called this number and I was told TD bank hotline can not do anything because they dont have any of my account information. ( Complaint to TD Bank, yet another misleading information given to customer ) On XX/XX/XXXX, TD bank branch manager shared me with the tracer information. I made following up call with XXXX XX/XX/XXXX. I was told by XXXX XX/XX/XXXX that the claim investigation is still in progress and asked me to call back one day later. I shared tracer information with XXXX XX/XX/XXXX in the call. On XX/XX/XXXX, I made following up call with XXXXXX/XX/XXXX and I was told there was nothing found by XXXXXX/XX/XXXX. It was a successful transaction. The XXXX XX/XX/XXXXhotline staff asked me to FAX the email from TD bank which stating the fund transfer was unsuccessful. He promised me that once the email was Fax to XXXX XX/XX/XXXX back office, XXXX XX/XX/XXXX back office will start looking into the issue and made an conclusion in 3-7 days. I did all the required actions. On XX/XX/XXXX, I made following up call with XXXXXX/XX/XXXX again, I was told the claim was closed, XXXX XX/XX/XXXX will not do anything for further research, they asked me to reach out to TD bank! On XX/XX/XXXX, I got a call from TD bank manager saying that the money is with middle man. Middle man has the money and made request to XXXX around XX/XX/XXXX. I called XXXX XX/XX/XXXX immediately and bridge XXXX XX/XX/XXXX with TD bank branch manager in the same call. The same information was shared to XXXXXX/XX/XXXXby TD bank branch manager. XXXX XX/XX/XXXX said they will put a note to their back office. The back bound transaction normally takes 30-45 for the money to come back to my account. Until XX/XX/XXXX, I didnt have any update on the issue. On XX/XX/XXXX I filed a complaint against XXXXXX/XX/XXXXtrying to resolve the problem. On XX/XX/XXXX I got response from XXXX XX/XX/XXXX regarding the same case. The response from XXXX is attached.
TD bank should take this case seriously, take actions, talk to XXXXXX/XX/XXXX and get back to me with a solution.
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| 12/22/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
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Web |
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This letter is in response to an explanation request for the above subject ID. XX/XX/XXXX I submitted prepayment in the amount of XXXX to XXXX for a reservation that would begin on XX/XX/XXXX and end on XX/XX/XXXX. I picked the vehicle up on XX/XX/XXXX and ended my rental session on XX/XX/XXXX as scheduled.
During my trip, I experienced 3 major trip interruptions due to the rental cars not having proper maintenance and had to switch vehicles 3 times within the 10-day timeframe. XXXX representatives told me each time that I would not be charged for having to exchange the cars since XXXX was at fault each time. On XX/XX/XXXX, after returning my rental car, I checked my account. I noticed that I was charged an additional fee immediately after returning the vehicle. This fee was applied to a XXXX-dollar auth amount that XXXX placed on my debit card on XX/XX/XXXX when I picked the first car up. I reached out to the XXXX customer service center on XX/XX/XXXX to inquire about the additional charges. I was advised that an extra charge was accidentally applied when I exchanged the third vehicle, I demanded it be removed and was told that only a manager could remove it. I was put on hold for 30 minutes and eventually was told that a manager was not available, and one would call me back within 24-48 business hours. I called a second time on XX/XX/XXXX and immediately requested a manager due to dissatisfaction with the result from the first call. I was again put on hold until the exact time the manager call queue closed and was told that all managers are now off and not available.
On XX/XX/XXXX, I called XXXX customer service again and requested to speak with a billing manager and was connected to a manager by the name of XXXX. I talked to XXXX and explained the issues I experienced during my XXXX rental and the experience I had with XXXX customer service agents on XX/XX/XXXX. I explained my disgust with the lack of proper vehicle maintenance and the distaste for XXXX agents ' lack of professionalism. I was met with an immediate apology by XXXX and was advised the charge to the authorization fee was accidentally applied and would be refunded. The Auth charges were all removed later that week when I called into TD Bank and asked for an Auth removal.
I also requested that I be given a refund of 2 rental days, which equated to XXXX due to the bad experience I had with the vehicles and having to lose time going back and forth to XXXX locations. XXXX agreed that I was due an additional refund of XXXX out of the XXXX that I had prepaid on XX/XX/XXXX.
XXXX advised me that it would be 3-5 business days from XX/XX/XXXX to see the XXXX refunded back into my account. I received in the mail on XX/XX/XXXX a bill from XXXX in the amount of XXXX and was immediately outraged because it appeared that a billing error occurred on XXXX end, and I was being asked to pay what should have been my refund. I called and spoke to an XXXX representative and was advised that there was no indication that I should have received a bill in the XXXX system. The XXXX representative told me that my refund of XXXX was processed and sent back to my bank on XX/XX/XXXX, I asked the representative to provide me with the last 4 digits of the card that the refund was posted to. The agent provided me with the last 4 digits to a card that I have never been associated with. I advised the agent that the last 4 numbers provided from him were not a card I own nor am associated with in any way, the agent advised that he could not assist anymore and would have to get a manager. I waited for 45 minutes to speak with another XXXX manager and was informed that someone would call me back in 24-48 hours, advised the agent I would be making a claim with my bank.
I spoke to XXXX Customer service again on XX/XX/XXXX and XXXX acknowledged their error. I was told to call back on Monday XX/XX/XXXX to have a supervisor fix the error. I called on XX/XX/XXXX and XX/XX/XXXX and was told twice that supervisors were not able to fix the issue because they could not manually input my card into their SUBJ : XXXX SUBJ : XXXX system. I was advised that the manager who originally promised the credit processed it wrong. XXXX has advised that there is nothing they can do on their end at this point because their system doesnt allow them to refund back to a card that the system has kicked out. Please see attached email from XXXX. I also tried working with XXXX to get my XXXX as recent at XX/XX/XXXX but XXXX advised that someone from TD told their billing department that i opened a dispute for the transaction and was awarded the funds. Now TD is unwilling to assist me with getting my refund at all.
I was also told by a TD Bank associate named XXXX XXXX that once i provided documentation from XXXX admitting they made a mistake that the dispute would be handled accurately. The claim was once again denied and now my account is in TDs recovery department. This needs to be fixed asap.
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| 11/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I have explicit complaints about TD Card Services disgusting, horrendous disputes process and merely performative and nightmarish customer service. TD Bank - America 's Most Inconvenient Bank. I have a TD Credit Card and recently it has given me almost nothing but XXXX.
This year ( 2020 ) I filed 2 disputes with TD Card Services. One dispute ( for a series of 3 charges totaling in about {$60.00}, case # XXXX ) is for an XXXX WiFi service that I neither signed up for or authorized. I have a tremendous amount of details and evidence showing that I never signed up or authorized charges for XXXX WiFi and explained the problem/reasoning in detail on numerous occasions, but TD Card Services refused to even review my valid, factual information that I submitted, continued to uphold their final decisions at my expense, and did not rule in my favor.
I even filed a complaint with the XXXX XXXX XXXX and TD Card Services still mindlessly doubled-down on their XXXX poor decision without looking at my proof. Please read the attachment " XXXX - XXXX Complaint - TD Card Services & XXXX XXXX '' for more detailed information. Nearly all of the attachments to this CFPB complaint are for this case ( case # XXXX ) alone.
The other dispute ( case # XXXX ) was for a XXXX XXXX product ( total price {$430.00} ). I purchased this product and I ran into issues with it after the return window ended and I was no longer able to return it. For example, the product was unable to fax like it should and the scans were often sloppy and misalignment in spite of following instructions. I almost feel like the product is not entirely as described in terms of actual functionality and performance.
In spite of explaining this issue in detail to TD Card representatives, they told me that they would start the dispute and the merchant and TD Card Services would contact me. No one contacted me, I didn't receive anything from TD or the merchant about this matter in my mailbox, and they even randomly closed the dispute and CHARGED THE DISPUTED AMOUNT ONTO MY ACCOUNT AGAIN WITHOUT WARNING. I then call TD Card Services and they justify the charges saying that they tried to contact me and the merchant said I never returned the item even though they didn't even give me that option and I'm already past the return period. Then TD basically says " oh well you have to contact the merchant directly at this point and they rules and don't have to accept any returns. '' Damned if I do, damned if I don't. Either way, TD will side with the merchant and the merchants ' rules. TD will not go to bat for even their most loyal customers like myself.
Both cases were closed in favor of the merchant in spite of my documentation. TD refuses to reopen both cases, especially now because " too much time passed '' or " period or window expired ''. Also while most credit card companies allow you to create or manage disputes online and submit documents via mail/online, TD doesn't. In fact, TD makes the process extremely tedious and difficult and wants you to find a way to fax or send them mailed physical copies of evidence in the middle of a pandemic. They won't update their archaic system and they don't care if there's a pandemic or not except when they are the ones making excuses for why I can't receive letters/callbacks/resolutions/etc. I told TD bank that most people do not have fax machines and working printers, most libraries and printing/faxing places are closed, and that we would be risking COVID-19 exposure if we leave our houses, but I was still told that those were my only options. UNBELIEVABLE!
I also had too many representatives AND supervisors ( I wasn't able to speak with supervisors before today ) saying they completely understand my problems, yet do nearly nothing to fix them. Outside of representatives and supervisors in both customer service and dispute departments, they would not allow me to speak to management, escalations, investigations, executive, and corporate teams for better resolutions in spite of my repeated requests. I have gotten nothing but lack of communication, transparency, help, care, protection and honesty from the merchants and institution alike. TD does not do right by their customers no matter what they say and how convincingly they say it. Apparently now, they will always side with the merchant whether they want to admit it or not. How am I banking human if TD is robotically treating me inhumanely?!
DO NOT use or apply for a TD Credit Card if you can help it. They will not provide any real protection for the consumer and you will be left hanging if you experience fraud, unauthorized charges, or issues with services/products that you couldn't work out with the merchant. I have not had NEARLY this much hassle with disputes or unauthorized charges with my other major credit cards. I am heavily considering whether or not I should close this credit card account at this point.
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| 11/24/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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3 ) On XX/XX/XXXX, I first became aware of fraudulent activity on a TD Bank Checking Account Numbered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
4 ) On the same date, I promptly contacted the TD Bank Fraud Department via telephone to alert them to the irregularities and advised that the card associated with the account was either lost or stolen. I further asked that they take immediate steps to disable the Debit Card associated with the account.
5 ) As instructed by the TD Fraud Department, I filed a fraud complaint and an Affidavit of Fraud with the TD Bank Branch # XXXX, located at XXXX XXXX XXXX XXXX., XXXX, NJ XXXX 6 ) TD Bank employees provided me with a copy of a TD Bank check number XXXX and bearing account number XXXX that was deposited on XX/XX/XXXX to the account via a TD Bank ATM from a location in XXXX.
7 ) TD Bank Check identified in paragraph 6 shows that it was made payable to someone named XXXX XXXX in the amount of {$100.00}. Check was unsigned and did not bear any endorsement on the reverse side.
8 ) TD Bank Check identified in paragraph 6 was keyed into the ATM for {$150.00}, despite the front of the instrument stating in numbers and text only {$100.00}.
9 ) TD Bank employees also provided me with a printout that shows a series of unauthorized and fraudulent activities beginning on XX/XX/XXXX.
10 ) TD Bank employees taking the original report and Affidavit of Fraud on XX/XX/XXXX, failed to advise me to file a police report in the present matter.
11 ) On or about XX/XX/XXXX, I received a letter dated XX/XX/XXXX containing copies of two checks ( numbered XXXX and XXXX ) that were deposited to the account on XX/XX/XXXX, from an account in the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MA. from account number XXXX from XXXX XXXX. Check numbered XXXX bore the date of XXXX in the amount of {$100.00} and payable to XXXX XXXX, the same party identified in paragraph 7 above. Check XXXX, drawn on the same account, and dated XXXX was in the amount of {$200.00} and payable to XXXX XXXX. Neither check was signed on the face or endorsed on the back. Both checks were deposited to my TD account via the same TD ATM located in XXXX, MA.
12 ) All transactions commencing on XX/XX/XXXX and thereafter are the direct result of fraud and consistent with a Cash-Out scheme pursuant to 18 USC 1029 ( a ) ( 1 ), et.seq.
13 ) Transaction identified on the report provided by TD Bank employees on XX/XX/XXXX indicates a deposit to the TD Bank ATM ( XXXX ) in the amount of {$54.00} from the account of XXXX XXXX and XXXX XXXX, the instrument bearing check number XXXX and payable to what appears to be the XXXX XXXX, from account number XXXX at XXXX XXXX shows clear signs of being altered and adulterated. Check had an original date of XX/XX/XXXX. Check has no deposit endorsement on reverse side. Appears to be either a stolen instrument or fictitious instrument.
14 ) Review of the TD Bank transaction logs show evidence of the party or parties engaged in the unlawful activities inquired about available balances before making further unauthorized withdrawals.
15 ) All fictitious instruments were deposited to my account with the intent to defraud the bank and with the exception of the item identified in paragraph 13, appear to be written by the same person.
16 ) Further, upon information and belief obtained through an internet search of the name XXXX or XXXX XXXX in XXXX, MA., The following name appears on the XXXX , Massachusetts Police Department Published Log for XX/XX/XXXX : Refer To Arrest : XXXX XX/XX/XXXX, XXXX XXXX. , XXXX XXXX XXXX. , XXXX , MA . XXXX XXXX Police Department, XXXX Outside XXXX Police Department, Drug, Possess Class A.
17 ) Party identified in paragraph 14, XXXX XXXX XXXX, shows the same legal address as the account holder on the checks identified in paragraph 11 of this Affidavit.
18 ) Internet research indicates that XXXX XXXX XXXX is a relative of XXXX XXXX, the account holder of the two checks from XXXX Bank numbered XXXX and XXXX and identified in paragraph 11 herein were deposited to the account and returned for insufficient.
19 ) TD Bank failed to take reasonable precautions to ensure against the activities described above and are attempting to collect the stolen funds from me. TD Bank has denied the claim and has begun aggressive actions to collect stolen funds from me, despite claim being refiled with additional information.
20 ) All supporting documents and affidavits relative to this matter have been filed in accordance with the requirements of TD Bank Corp.
21 ) TD Bank Corp., continues to attempt collection despite the complaint and claim still being investigated. TD Bank Corp. Collections department supervisor, XXXX XXXX, confirmed in a telephone conversation on XX/XX/XXXX that all collection efforts would cease.
22 ) TD Bank Corp., has through their actions violated the FDCPA.
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| 04/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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This is a request as authorized by the FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] This request is regarding the account listed below : XXXX XXXX This account has previously been reported on my credit file and was subsequently deleted after the item was disputed and could not be verified. On XXXX XXXX. I requested a copy of my credit report under my rights through the FACTA act. This item was not contained in my credit file on that date. On XXXX XXXX, after being denied credit for a home student based upon negative information being reported through XXXX and XXXX. I requested a second copy of my credit report under my rights to review my credit report after denial of credit. The account in question suddenly reappeared on the report dated XX/XX/2020. I immediately completed an online dispute for this account. In response to this dispute you sent me a letter dated XX/XX/2020 ( with confirmation number XXXX ). In this letter it stated that my investigation was completed and that you verified that this item belongs to me.
I have two problems with the way reporting on this account has been handled by XXXX. First, according to my XX/XX/XXXX credit report, this item was reported in XXXX. Even giving you a very generous assumption that this item was reported to you on XXXX XXXX. I find it very difficult to believe that " additional information regarding this item '' sufficient enough to prove this is my account could have been provided to you by XX/XX/XXXX, only one day after the account was re-reported to you. Furthermore, I find it very odd that you're letter " verifying this account '' predates my dispute of this account. Additionally, you are in violation of FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] for your failure to notify me in a timely manner of this tradeline being reinserted into my credit file.
In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions as follows : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( : blink : ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Please furnish me with copies of any and all such certification.
( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a serious violation of the FCRA, and I res erve the right to pursue further action. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business na
me and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and
( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
Please furnish me with the required statements and data.
Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information.
( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days.
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| 04/21/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I am writing again regarding my ongoing attempt to resolve the fraudulent access to my bank account with TD Bank. One of the most striking deficiencies in this process has been the lack of customer service from TD Bank and their failure to maintain any consistency in service. Had I been able to contact their fraud department directly I believe the issues which have caused this matter to continue for 18 months would have been easy to resolve. However, because of the process of making a complaint to someone who relays that complaint and then waiting to see the result creates a process that lengthens the time between the incident and the resolution which is anti conducive to resolution.
I have previously, but will attach to this complaint as well, the notification that I received from XXXX regarding a BITCOIN purchase. ( Attachments 1 - 3 ) Immediately, I knew something was wrong with my account as I had never purchased any type of cryptocurrency. I immediately attempted to access my TD account and found that my user name and password no longer worked. I then called TDs Customer Service. As I mentioned in earlier complaints I had a friend, XXXX XXXX, visiting that weekend and only just confirmed with her that she overheard this conversation with customer service. I explained the notification, that I was unable to access the account and that only my voice, via their voice recognition technology, was the only means available to identify myself. He assured me that in the circumstances that met the requirement for identity verification. Because my account access had been altered and I had no access to my account I asked that the account be frozen until I could present myself at the bank with identification. During the last investigation TD Bank informed me that frozen is not a term that they use and that that word would not trigger any action to my account. I found that odd as Ive heard that term in relation to banking all my life, but accepted the explanation but wondered why, given that fraud had been identified, that numerous changes to my account had been made after my access was removed and fraud was still occurring why the agent would assure me that no further transactions would occur if he was unfamiliar with the term I used and therefore uncertain what action I thought it would bring about. I would have expected that he would say we dont use the word frozen but hard stop or whatever the TD corporate substitute term would be. In any case, in going through some old paperwork over the weekend I came across a copy of a check that had been returned unpaid to my TD account with frozen account indicated as the reason for return ( see attachments 4A and 4B ). Which brought me back to make one final complaint through the CFPB. Should this complaint fail to bring an end to this nightmare and since the CFPB lacks any further avenue of appeal I will have no choice but to take the matter to litigation. As I have witnesses, documentary evidence, evidence of other fraud committing using my identity dating from this same breach of my bank account I can not imagine that any lawsuit would be successful. In fact, I can not for the life of me understand why it has gone on this long and then I will have no choice but to take the matter to court.
Those are the facts concerning the discovery of the fraud and my actions to stop the unauthorized use of the card immediately upon the receipt of information which indicated fraud had been or was in the process of being committed. I can not explain why my bank let these imposters change all of the access and alerts to my account and after being informed of the fraudulent use, continued to let these individuals override any attempt by myself to block them from doing so. To me, the changes and the overrides support my claim of fraud beyond all doubt, but yet TD continues to deny my claim. It appears that they do not want to accept that I phoned their customer service immediately and used every means available to me to stop any further fraud and they failed to take appropriate action or allowed themselves to also be conned by allowing the fraudsters to override my requests. However, continuing to cause harm to myself is unacceptable and I will proceed to court should this last attempt to resolve the matter be unsuccessful. Finally, it is essential that I have TDs decision reversed so that I can turn to addressing the rest of the fraud resulting from my personal information being breached by fraudsters. Until I am able to have this account activity deemed fraudulent I am greatly hindered proving the continued fraud and identity theft. Because this activity continues to this day I can not and will not let this matter drop no matter how weary I am of dealing with it. Hopefully, this complaint will reach someone who will address my valid complaint for fraud which first occurred with my TD Checking Account in XX/XX/2021.
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| 08/26/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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NOTE : regarding case XXXX to which TD responded : " We connected with you directly regarding your complaint, and you advised that you did not submit this complaint to the Consumer Financial Protection Bureau and thanked us for reaching out to you '' -- I was confused as to what the CFPB was and was mistaken that I did not authorize the complaint. I had. So, I am refiling the complaint again. On XX/XX/2022 I, XXXX XXXX, a XXXX senior, went into the TD Bank branch on XXXX XXXX XXXX in XXXX, FL and deposited cashier 's checks from my own accounts at XXXX for {$220000.00} and {$10000.00}. At the same time, I then wired {$230000.00} to scammers through XXXXXXXX XXXX in CA. I was somehow convinced by the scammers that I needed to wire her life savings to them. I tried from my first bank, XXXX, and they blocked it. But then the scammers convinced me to move my money to my other bank ( TD ) and wire it from there. My son, XXXX XXXX, spoke to the teller who " helped '' me at TD Bank and asked ( XXXX XXXX XXXX, my son, TD = XXXX, the teller at TD ) : XXXX : So now, my questions to you are : So what questions did you ask my mother before you transfer this money? TD : What questions I asked her? Who was the beneficiary? What was the purpose behind doing the transfer? XXXX : Well, what were her answers? TD : All the information is on the wire transfer, I can bring it up. XXXX : That would be great, could you do that? TD : Okay, so she's [ trading? ] to a XXXX XXXX XXXX XXXXXXXX : Right. And then you... So all you asked her is where she sent it to which is XXXX XXXX, which obviously she brought to you in the first place - we've established that. And what else did you ask her? TD : How much she wanted to send. XXXX : Okay. Anything else? TD : Not off the top of my head. ... XXXX XXXX You didn't ask her if someone was telling her to do this? TD : No. ... XXXX : The other question too, is that she brought cashiers checks in from XXXX XXXX XXXX, deposited them in the account and then immediately wired it out. Did you ask her why she didn't transfer it from XXXX XXXX XXXX, why she brought it to TD? TD : I did not. XXXX : That didn't raise any alarm bells for you that she brought it from XXXX XXXX XXXX to TD and immediately wired it out? TD : It did not. This is the problem. The bank should have known about these scams and should have asked questions about what was going on. This should have readied red flags immediately. Any easy question would have been, " Why didn't you just wire the money from the other bank, instead of bringing it here to wire? '' Or : " Did someone tell you not to talk about why you are transferring this money? '' Once realizing I had been scammed, I called TD 's XXXX customer service and was told I had to go into my local branch, as the XXXX service reps told me that they would not assist me. However, since this was a Saturday ( the Saturday following the transfer ), the branch would only open on Monday morning. This prevented any potential actions from being taken by TD that could have recalled the wire transfer in a timely fashion. At the branch over the next few days, I spoke with the manager XXXX, and tried to allow my son to have access to this situation with the bank, however, TD actively denied my son from assisting. They wanted him to go into a TD branch to verify himself, however since he lives in CA, this was not possible. He even provided a power of attorney form to them, with myself verifying it was valid, however again, XXXX rejected it. XXXX then said she would look into other possibilities of how to get my son on the account/investigation, but never followed up or provided any further information. These actions are inexcusable on the part of the bank : not asking the appropriate questions to XXXX senior before the transfer not blocking the transfer not providing assistance when calling the XXXX number requiring us to wait 2 additional days to get help by waiting until the branch was open the manager of the branch denying allowing my son to assist and rejecting the power of attorney the manager of the branch not following up ( with repeating requests to do so ) Please help hold the bank accountable for their actions and non-actions in this situation. As per guidance on your site, they are supposed to be asking seniors questions about wire transfers and money movements like this. I am happy to provide more information, etc. My son also happens to have a recording of the conversation with the local bank branch teller in which he admits he did nothing in terms of vetting the translation as required. Note that a police report was filed with the XXXX XXXX XXXX, case # XXXX and Det. XXXX is assigned to the case ( XXXX ). I have attached the original wire transfer forms as provided by TD, as well as the fraud form completed at TD once they allowed me to file it in their branch. Thank you.
|
| 10/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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I am using this platform to make sure there is an accurate record, that Target underwriting is able to make a credit decision based on accurate information and provide insight to a huge criminal scheme 95 % of all financial institutions are involved in against 300 million Americans.
On XX/XX/XXXX, I applied for a Target red card and was denied due to XXXX knowingly and willingly providing Target with inaccurate information. I called and spoke to a Target Representative on XX/XX/XXXX who informed me I was denied due to recent Charge Offs.
Recent charge offs Recent negative activity I am filing this request of reconsideration through the CFPB to have an accurate record and because I assume Target would want to make intelligent credit decisions based on accurate information.
The Information Target received from XXXX is NOT accurate. Every single Charge Off on my credit report is from XXXX loans I received between XXXX - XXXX. They are all more than 7 yrs old since the date of last activity as I XXXX in XXXX and never applied for other XXXX loans since. However, these accounts were given to another department and that department used a tactic widely known as re-aging. This department changed the date of last activity from XXXX to XXXX. I am providing the original documents to those XXXX loans as proof.
The final reason for using the CFPB platform is to find out if Target is also a player of the Major Credit Score scheme most financial institutions are involved in. It is not difficult to recognize the scheme but many banks look for a reason to deny an application in order to uphold the purpose of this scheme. Which is to deny consumers who have previously filed complaints or lawsuits against Creditors. There is a stream of data all financial institutions share with each other on each consumer which allows the financial industry to also discriminate against every potential borrower.
Target will either play the ignorant card and deny me credit again or view my credit report accurately which confirms the following.
I have a good credit history length, my credit Used is only 11 %, which is excellent, my payment history over the last 7 years is Excellent, my monthly payments are less than 20 % of my monthly salary which is again Excellent.
So if a bank 's primary focus is whether a consumer has the ability to pay then I would be rated as an excellent consumer to offer credit to.
As for my credit score being low ; The credit information which weighs most of any person 's credit score are : Length of credit history : mine is over 5 years = Very good Credit used compared to credit available : Mine is under 15 % = Excellent Recent Negative remarks : I have XXXX for 7 yrs Negative remarks which are 6 years or older impact a credit score minimally about 5 % of a credit score.
Yet, XXXX has my credit score at only XXXX, this is despite having no negative credit information for nearly 7 years. Despite having used only 11 % of my available credit. Despite having no rent or Mortgage payment, no auto payment ( everything is paid off ) Despite my monthly bills being less than 20 % of my monthly salary.
How is this possible : I will explain : Financial institutions have learned how to manipulate the XXXX algorithms. When a creditor continues to report an old charge Off the XXXX algorithm reads that as a recent Charge Off. Here is an example and we will use my Credit Report. I had a Charge Off in XX/XX/XXXX. However each month they have been re reporting this Charge off. Same with the XXXX Loans. Although there has been no activity since XXXX, they continue to report each loan every single month. They have also re-aged the loans by having a separate department take them over in XXXX. By doing so this department reports the loans as an original charge off for XXXX, not XXXX. Everyone in the financial industry is well aware of this but plays the ignorance card.
WHY? You must ask the right question. Who gains when consumers ' credit scores are lower. ANSWER : All financial institutions because they can now charge much higher rates.
There are other changes the Financial industry has done for the sole purpose of lowering credit scores. Here is one of those recent policies. Back around XXXX when opening a checking account all banks would pull your XXXX XXXX XXXX : This report would let the banks know if a consumer has written many bad checks which are still unpaid. However, a memo went around to all financial institutions that by pulling consumers ' credit reports whenever a consumer opens a checking account would lower 100s of millions of credit scores by 3 - 5 pts. Doesnt seem like much but that would allow financial institutions to charge 1,2,3 % higher on interest. Think of that, why would a bank need to pull a consumer 's credit score if the consumer is Depositing money into the bank. COMMON SENSE PEOPLE!
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| 10/25/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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I had a check that was endorsed by the payee and signed over and endorsed by me. I had opened a personal and business account with td bank and deposited the check. The following day when it was supposed to be available it still said one day hold. The second day I go to login and I can't. The bank froze the account and I spent days trying to get an answer from the bank. Finally after emailing them, contacting their support team on XXXX and XXXX XXXX and being told that they either couldn't help with accounts or that I needed to change my password and recertification my phone. Then I got a letter on XX/XX/XXXX dated from XX/XX/XXXX that the funds were being held for 6 days. The letter i have from TD dated XX/XX/XXXX says it will be available no later than 6 days after the deposit, and states the deposit date is XX/XX/2022. And it says " the deposit is on hold, and my funds will be available no later than 6 business days after the deposit unless notified of a returned check. Then on XX/XX/XXXX almost a month later with no access to my account or communication from the bank at all, got a notice that the account had the funds withdrawn after the deposited check cleared a month before without notifying me or releasing the funds. And both my personal account and business account had been closed for suspicious activity, without being notified previously of the closure, or change in their policy that i was to be getting electronic contact not mail, and no notice that the 6 day hold was being extended indefinitely. Now I've been dealing with this for 2 months now, the account is closed no access to the funds still, and a letter from the bank saying it's closed the account to protect me, nothing about the funds and the letter although it was with the TD bank letterhead, was saying that it was the OCC. Which I was told by the OCC they wouldn't send my notice to the bank without sending one to me. The OCC also failed to notify me of anything going on while I had a complaint sent to them. The complaint still hasn't been updated, and after talking to someone from TD bank 's presidents office and their phone support team I was advised by both of them to go down to the bank and get the check for the funds in the account. They even called the bank to have them get the check ready for me and told them I was arriving. Now if this was an investigation there would have been a stop payment, or payee claim, there isnt. Not only that the bank notified me they were holding the funds indefinitely stating the check was not signed over to me, but they have the pictures of the check on the statement showing it's endorsed and signed over then endorsed by me. They also stated they closed the account for fraudulent transaction without evidence of the claim, and they violated the 6 day hold policy, availability of funds laws, bank secrecy act if they had reported this like they're required to, they also have no court order to close my account which i was told in XXXX they would need that, and the check being from the treasury was required next day availability, and the treasury paid the check, they cleared it and it was posted on the account on the XX/XX/XXXX at the end of the day. They gave me false information regarding the process, the legal status of the case, the notice from OCC that isn't from the OCC itself, and the bank assistant manager decided to overrule the two people who had told her to have the check ready and instead instructed the fraud department to hold the funds indefinitely, none of this was done in the office like privacy laws require it was done in the lobby while she had fraud department on speaker phone. And my business account I opened was closed and had nothing to do with the transaction there's no record of the account on their end but I have record of it. And when I notified the bank and the customer service department when I called back, they were notified by me even though they already have the information, that they were violating every single regulation both by XXXX standards which are required and federal standards. My complaint was closed before they even got off the phone with me. They're willingly and deliberately violating all of the regulations and disobeying orders from the corporate office, enforcing a false fraudulent claim, without evidence and without a complaint from the treasury or the original payee. And they haven't contacted the payee, or attempted to get any information about this, not to mention 4 other accounts that I have had been suspended and required reverification because they didn't file the fraud report but filed the notice of account closure to XXXX. Im contacting my attorney and attorney general because so far with my dealings with the CFPB nothing gets resolved and nothing gets investigated properly, so I have no faith in them to get anything accomplished now.
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| 10/26/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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I am disputing the validity of the following charges listed below. Here are the facts regarded the late payment charges.
1 Purchased items totaling {$56.00} in XX/XX/XXXX.
2. I paid the balance due in full on Sunday XX/XX/XXXX at a Target store. The payment was due on Saturday XX/XX/XXXX. I thought that since the payment was due on a weekend, the payment due date is extended to the following Monday. I do not believe there should not have been a late charge.
3. On XX/XX/XXXX, I was charged a late fee of {$25.00} and interested of {$1.00}.
4. I contacted the call center and requested the late fee to be removed. I was connected to a call center was located out of the country and I had a difficult time communicating with representative. I was transferred a few times and then disconnected. After a few calls, I became frustrated and I stopped calling 4. On XX/XX/XXXX, I was charged a minimum fee of {$1.00}, no late fee and no interest.
5. During this period, I again make several phone calls to the call center in the XXXX. They would not remove the late fee. Again, I had a very difficult time with the call center personal. I would be transferred several times or placed on hold and forgotten.
6. On XX/XX/XXXX, I was charged another late fee of {$27.00} and a minimum charge of {$1.00}, no late fee and no interest. A total of {$55.00} balance due. This is the first of many violations of the credit card disclosure Act of XXXX, passed by the Federal Reserve Board of the United States.
7. The act prevents multiple penalty fees based on a single late payment.
8. In this case, there was only one transaction and that transaction was assessed a late fee in XX/XX/XXXX. The credit card issuer continued to assess late fees based on the same XXXX transaction.
9. On XX/XX/XXXX, I was charged another late fee of {$38.00} and interest charge of {$1.00}. A total of {$94.00} balance due. This is another violation of the credit card disclosure Act of XXXX, passed by the Federal Reserve Board of the United States.
10. The act prohibits the issuer from charging fees more than {$25.00}. The act also prohibits the credit card issuer from charging a penalty fees that exceed the dollar amount associated with the violation.
10. In this case, the total amount of the transaction was {$55.00}, so the penalties can not exceed this amount and the late fee penalty should not have exceeded the {$25.00} limit.
11. On XX/XX/XXXX, I was charged another late fee of {$38.00} and interest charge of {$1.00}. A total of {$130.00} is the balance due.
12. I have been informed by the call center that the late penalty fees will continue to be charged each month if the balance is not paid.
13. I was also informed that I would be sent to collections if the balance is not paid.
14. I asked if this was Targets policy and I was informed that they do not have to follow Targets policies because they are a separate company and are only contracted with XXXX XXXX. They are XXXX XXXX XXXX and not affiliated with Target.
15. On XX/XX/XXXX, I was charged another late fee of {$.00} and interest charge of {$0.00}. A total of {$130.00} is the balance due.
16. On XX/XX/XXXX, I was charged another late fee of {$27.00} and interest charge of {$2.00}. A total of {$160.00} is the balance due.
17. On XX/XX/XXXX, I was charged another late fee of {$38.00} and interest charge of {$3.00}. A total of {$200.00} is the balance due.
18. On XX/XX/XXXX, I was charged another late fee of {$38.00} and interest charge of {$4.00}. A total of {$240.00} is the balance due.
I am requesting the initial late fee and related interest be removed. Upon reviewing my notes, it appears the payment was made timely. The payment was due Saturday XX/XX/XXXX. The representative at the counter was closing her register for the night. I said the payment is due today but since it is a Saturday does it matter if I make the payment the next day. Usually, payment due on a weekend are moved to the following Monday. Believing this was the case, the representative said it would not matter so I made the payment the following day on XXXX XXXX, XXXX. I had no idea that making a payment 1 day after the due date would result in over {$240.00} of charges.
I also made many attempts to resolve this issue with the call centers located out of the country but they were difficult and would not discuss this issue. I understand why the call centers handled my issue in this manner. They keep transferring your call until you are disconnected or hang up. Surprisingly, there are no records of my calls.
Additionally, this transaction has affected my FICA score. It has been around XXXX for many years and because of XXXX XXXX XXXX, my score has dropped to XXXX last time I checked. I also request that all penalties be removed and my FICA score be adjusted accordingly.
Thank You
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| 05/29/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX I enrolled in automatic maximum recurring payments to my TDBank Credit Card from my checking account, also with TD Bank. On XX/XX/XXXX I called TD Card Services and asked to be unenrolled from the automatic max payment. The customer service rep told me because I had opened up the account at a branch I would not be able to do this online and he applied a stop payment in order to stop the recurring max payment. From everyone Ive talked to since, this was an error on his behalf. He should never have used a stop payment in order to stop the recurring payment. Because of his error, every month following the max recurring payment continued to go through. The payments were taken out of my checking account and replaced 24 hours later. Despite repeated attempts to have TD Bank fix this problem, they continued to take the full payment. I was simultaneously making payments via electronic transfer from my TD Bank Checking account. Each one of these electronic transfer payments were credited successfully towards the balance. This resulted in overpayment of the account on multiple occasions. On XX/XX/XXXX, I received a letter from TD Card Services informing me my charging privileges had been revoked and I needed to pay the balance in full. On Tuesday the XX/XX/XXXX I called customer service and was told several things. I no longer had access to my account and my balance was {$3900.00}. The charging privileges had been revoked due to ten stopped payments on my account. I explained that the stop payments were applied in error by TD Bank to stop recurring max payments. They advised me to go to the branch where I opened the account and have them call TD Card Services and/or fax a letter stating that the stop payments were applied in error. On Saturday, XX/XX/XXXX I went to the TD Bank branch where I had opened my checking account and issued the credit card. They called card services, handed the phone back to me, and had me explain the whole issue. My account went into a formal account review process and they sent no fax. On Monday, XX/XX/XXXX, I received an automated phone call telling me that the account review had been completed and that I still needed to pay the balance in full. There were over 18 phone calls made since, one which included the branch manager of the TD store and a TD Card Services rep, who all agreed my payments had been made and the stop payments were applied in error, but nobody could reopen the account. They all agreed the easiest thing to do would be to pay the balance in full and reapply for a new account. On Saturday, XX/XX/XXXXI knew I would have a payment due. I called and asked to make a payment over the phone so I would at least avoid late penalties. TD Card Services explained they would only accept a payment in full on the account. I asked what would happen if I made no payment and asked for a second corporate review in writing and was told my account would be sent to collections and my credit score would be damaged. I asked if the account would be reopened if I paid the balance in full and was told no. I was told that in order to maintain my excellent credit I would need to reapply for a new card after paying the account balance in full. I asked about redeeming the XXXX Rewards Points on my account ( the equivalent of {$510.00} real American dollars ) and was told I would be unable to redeem those points because of the credit revoked status on the account. I paid the full balance of {$3900.00} from a savings account with a separate institution. The payment was not immediately applied because it was an electronic transfer ; on Tuesday, XX/XX/XXXX another recurring max payment was made from my checking account in the amount of {$1500.00}. It was replaced the following day. Currently the account is inactive. I have reapplied for a different card, but I would like compensation for the time and hardship this has been for the past eleven months. For three days out of every month my checking account was overdrawn and I was unable to access my own money due to the ineptitude of the TD Card Services Rep who placed the stop payments on my account in error. I would like my rewards points back and a review of my credit score to make sure no harm was done because of the massive errors on behalf of TD Bank, if not the reopening of this account. I paid less than {$23.00} in interest on this account and I would like a review of that because I believe I paid this account off in full every month. I dont think I should have been threatened into re-appying for a new card with TD Bank before anyone had resolved the problem on my credit revoked account. This should fall on them. In a rough estimate I have spent at least 5.5 hours on the phone and another 5 in person attempting to solve this problem with zero help from anyone at TD Bank.
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| 05/10/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am submitting a complaint about Target card services for inappropriate to timely reported unauthorized charges, for failure to conduct a fair and reasonable investigation, for failure of timely written notification of determination, and failure to respond timely to an appeal of their decision.
On XX/XX/XXXX I checked my online Target account and saw fraudulent charges that had occurred from XXXX XXXX XXXX for a total of {$7700.00}. I had thought my limit was only {$2000.00}! I called Target card services and spoke to the fraud department immediately to report these charges as fraudulent. Additionally, I was told my limit had been increased to {$9000.00} that month. I was taken aback when the tone of claims represented immediately placed blame on me because the pin and card were used. Although I thought I had the card at home when I called to make the claim from work, I found the card was not where I had thought it was. I called to make them aware the card was not in my posession. I explained that I did not know how or when the card was lost or the pin was compromised. I also explained the last time I physically remembered using the card was in XXXX and that I had only made one online purchase in XXXX that I did not physically need the card for. Since the card is in someone's possession and they were actively using it I asked if we could put a fraud alert on it so it would be flagged the next time it was used and we could catch who has it. The representative said they wouldn't do this and the card would just be closed and declined if used again. I was issued a new card and I was credited {$7400.00} out of the {$7700.00} in charges I reported. I received an affidavit of fraud in the mail which i promptly filled out and returned listing the {$7700.00} in charges. I received no other communication from Target other than my card being upgraded to a mastercard and my monthly statements. I assumed that once Target looked in to the charges they would clearly see the pattern of spending was completely out of line with mine. I have never charged more than {$400.00} at Target on a given trip and there were multiple charges over {$1000.00}. Furthermore, there were multiple days where charges were made at 3 or 4 different locations! I was at work on these days and would have had no way of doing this! On XXXX XXXX I checked my online account and was confused to see activity that showed {$7400.00} in credits to my account, however, they were actually added to the total bill due. I called Target card services to clarify and was notified that on XXXX XXXX, XXXX they had made the determination that the original charges I reported were valid. I was extremely upset because I had not received a written letter stating this. I asked how to proceed and was informed that at the bottom of the determination letter there were instructions to appeal. I asked for the letter to be re-sent so I could begin this process. I waited for the letter that still did not come. I called multiple times receiving different answers of how to proceed. I kept being asked to clarify how my pin was compromised when I clearly didn't know! In XXXX I finally to find out that the letter had actually not been re-sent. It was re-sent and I received it on XXXX XXXX. The letter simply stated that they made the determination that the unauthorized charges of {$7400.00} ( not the {$7700.00} ) were determined to be valid because the pin and card were present. There was no information on how to appeal and there was only a phone number for the claims officer. I had already left her voice messages without response and I left her another one without response. I was finally able to get the address and fax number of where I submit an appeal to and faxed an appeal letter on XXXX XXXX, XXXX. I called to confirm their receipt of this fax and they confirmed it was received on XXXX XXXX, XXXX. I was told it would take up to 60 days to review. After 45 days passed I called to find out the status and was informed it could take 90 days! I asked to have records of these dates and my calls which they told me they could not supply despite clearly being able to reference them all in their system. I was told the claims officers are not answering calls and there is no e-mail where they can be reached. However, the few representatives I spoke with all promised they were sending emails to the claims officer to escalate the case. It is now XX/XX/XXXX and beyond the 90 days. I still have not received any communication regarding my appeal. I need this balance off of my card because it has been negatively affecting my credit score, increasing my monthly amount due, and putting a significant financial strain on me.
I have attached my appeal letter and the XXXX XXXX statement showing the initial charges and credits.
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| 06/17/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On Saturday XX/XX/XXXX I deposited a check for the amount of {$100.00} via mobile deposit using my cell phone. At the time my account balance was {$2.00}. on Sunday XX/XX/2019, I noticed that my account was a negative - {$9.00} I called the TD bank to ask why my funds were not available. I spoke to a representative by the name of XXXX. He asked me how did I deposit the check, I informed him that it was Via My cell phone using the mobile deposit feature. he stated " That's The Problem '' and that if it was processed after XXXX on a saturday that it would take an additional business day. I said : but you guy are open and processing transactions today so why does that not count as a business day if your getting paid to work and accepting transactions. He said : if I would have walked into a bank that I would have had {$100.00} of that available. I asked him about the {$35.00} Overdrawn account fee I would receive because of this transaction when I clearly have money in my TD checking account pending. At this point he began getting frustrated but not trying to show it. he started repeating the same thing over and over before I asked to speak to manager. " There is nothing i can do, you have to wait another business day for the check to clear. '' A female manager came on the phone without even stating her name and just said " Hello '' as if she was on a personal phone call. I asked her is that how you answer the phone as manager?. she said : I was busy but how can I help you?. I said : by the way you answered the phone I really dont believe you have any intention of helping me is there anyone else I can talk to? She said " NO '' im the only one here. I stated I dont believe that and at this point I became frustrated with the lies already. I hung up and called back just cause I knew she was lying. I asked to speak to a manager right away. The lady proceeded to ask for all my information but, I told her that I rather not and would like to just speak to a manager. I know they can see who I am without asking that. ( Again, fifteen years of Customer service in a call center setting ). I then get a Manager by the name of XXXX whom starts to repeat the same thing word for word as the other previous people I just spoke to. No matter what I asked I got that same answer. " there is nothing I can do you have to wait another business day. '' he also stated that I could walk into a branch and speak to someone and they might be able to help me. After almost 1 hour on the phone with TD bank and very frustrated, i decided to send emails and got nowhere. On monday XX/XX/2019 I walked into My local TD Bank on XXXX XXXX in XXXX, NY and waited 30 minutes to be seen. I was seen by XXXX whom also said the same thing everyone over the phone was saying. word for word. " There is nothing I can do and you have to wait until " Tuesday '' to get your money. That would be 3 days I have to wait and my sick mother needs her medicine. He stated that Saturday, Sunday and Monday is 1 business day. He also suggested that I " OVERDRAFT ' my account. At this point I was appalled with all the lies coming from this company and its representatives and was ready to close my account and switch banks. I told XXXX that I would not accept that and would like to close my account and, I would like to speak to a manger. He then stated that he was the Supervisor and that there was no one else available. I asked to speak to his boss. he stated that she was right there and to give him a minute. after 5 minutes of waiting that's when I decided to stand up and wait to speak to her while he took another customer. I stood by the front door of the bank for exactly 30 minutes before receiving a phone call from the Person I was talking to via The XXXX App Direct Mail feature. She started saying the same thing as the others and at this point I am ready to hurt myself because I can't get access to my money and was already told to overdraft my account just to get my money and my mother has been sick and waiting for 2 days now. I began to Scream out of frustration again about how this is not fair and this is my money and I came here to bank for convenience and this is exactly the opposite. It's not fair that I am being penalized with overdrafts fees when I have money In my account pending and on top of that I can't even get the money cause it has not cleared only because I used the mobile app instead of walking into a TD Branch and depositing the check and {$100.00} would have been available. However, she ended up making the funds available for me.She is a life saver and my mother thanks her from the bottom of her heart. I forget the Lady name but i hope she gets mentioned in this article. Customers should not have to go through all of that knowing there is an exception to every rule.
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| 09/28/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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My initial inquiry to TD bank. There is {$420.00}. XXXX in overdraft fees. For an XXXX ride {$20.00} was charged, but there is a charge of {$170.00} in overdraft fee. Then there was a repetitive XXXX credit/debit from my acct and fees was assessed to the multiple transactions. Please reimburse or credit the fees to my account today. The other fees and charges I acknowledge, how am I supposed to pay my bills and fees my children.
Their reply : Good afternoon XXXX, Thank you for contacting us about a recent overdraft fee.
We understand receiving an overdraft fee can be frustrating ; we want to provide options to avoid getting these types of fees in the future.
Please know, TD Bank operates on Time Ordered Processing, which means transactions are processed in chronological order in which they are done.
To avoid being assessed an overdraft fee, you must have the funds available in your account prior to making purchases or payments. Making a deposit or transfer into the account after the balance is overdrawn will not prevent the account from being assessed an overdraft fee.
If funds are not available in the account at the time of the purchase, TD Bank may cover the item because you are currently enrolled in TD Debit Card Advance.
TD Debit Card Advance is our discretionary Overdraft Service. By enrolling in TD Debit Card Advance, TD Bank may authorize and pay overdrafts at our discretion on ATM and one time debit card transactions. TD Debit Card Advance is in addition to our Standard Overdraft Practices, in which we may pay items such as checks, ACH, and recurring debit card transactions into overdraft at our discretion.
With this option you may overdraw your account by up to {$5.00} without being charged an overdraft fee. We will charge you a {$35.00} fee for each transaction that overdraws your account by more than {$5.00}. We will not charge more than 5 overdraft fees per day.
A merchant may attempt up to three times to collect the funds for a transaction if the funds were not collected successfully the first time.
We recommend that if this happens you contact the merchant to postpone the transaction until the funds are available or you may place a stop payment on the transaction with the Bank.
There is a {$30.00} service fee to place a stop payment.
Please note, the overdraft fee is always assessed the next business day after the transaction ( s ) that caused the overdrawn balance has posted to your account.
We recommend choosing the 'Not Enrolled ' option, this may reduce the amount of overdraft fees assessed to your account in the future.
You may change your enrollment status at any time by logging in to your Online Banking, calling us at XXXX, or visiting your local TD Bank Store.
For your convenience, we have listed all transactions, including deposits, payments, and purchases, on your account below : A credit of {$70.00} has been applied to your account for this fee as a one-time courtesy. This credit will reflect immediately in your available account balance. Please allow 2-3 business days for this credit to reflect on your statement history.
If you have any further questions, please respond to this message or call XXXX to speak with a Customer Service Representative, 24 hours a day, 7 days a week.
Thanks, XXXX TD Bank Digital Specialist My Reply : Good Evening XXXX, Thank you for your reply and the reimbursement of XXXX However, I would like the remaining XXXX in overdraft fees returned to my account as well. I am fully aware of the transactions that were purchased and deposited to my account. I do not recall requesting the details of the transactions and it was redundant. FYI my card is enrolled in the TD Debit Card Advance. Please refund the remainder XXXX or I will have to take further actions by filing a complaint with the CFPB.
Regards, XXXX Their Reply : Hello XXXX, Thank you for contacting us about a refund request.
Please note, that TD Debit Card Advance allows you to overdraft your account to the Bank 's discretion.
With this option you may overdraw your account by up to {$5.00} without being charged an overdraft fee. We will charge you a {$35.00} fee for each transaction that overdraws your account by more than {$5.00}. We will not charge more than 5 overdraft fees per day.
We recommend that you unenroll from TD Debit Card Advance as this may help reduce the amount of overdraft fees assessed to your account.
We apologize as we are unable to waive any additional fees for this account at this time.
If you have more questions about this, or if there's anything else we can do for you, send us a secure message or call XXXX to speak with a Customer Service Representative, 24 hours a day, 7 days a week.
Best regards, XXXX TD Bank Digital Specialist
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| 08/13/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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I received a notification on XX/XX/XXXX that my credit score had dropped XXXX points from XXXX to XXXX and when i logged in to see what changed I discovered that Target/TD Bank XXXX XXXX missed payment on my credit report of {$35.00} missed from XXXX. I have NEVER missed a payment on that account or any other account which can be seen on my credit report.
I then called Target/TD Bank ( on a recorded line ) and let them know I not only never received notice of a missed or late payment but never received a call about a delinquent payment. I also was signed up for auto pay of which the customer service representative claimed I never was signed up. I then asked " why did no-one contact me? '' to which the customer service rep responded first they do not have to and some people they do not contact and then changed her statement saying I have a do not contact listed on my account.
I let her know I never discontinued auto pay and I have never authorized a do not call/contact and asked for a supervisor of which she refused stating they could not assist me or fix this reporting error, but finally put me through to a supervisor who repeated the same thing and said she would put a request for dispute but no-one ever contacted me and the dispute was not handled. At this time Target/TD Bank drops my my credit limit from {$15000.00} to {$1500.00} further tanking my credit score and making my Target/TD Bank card account balance of {$1400.00} almost maxing the account, which is not only punitive, predatory but deceptive lending practices. This action then affected my credit limit of another card which is/was in good standing with a {$6000.00} limit decrease and create the same punitive action, all because they did not call or notify me that a payment was late within 30 days of them stating they never received XXXX payment of {$35.00}.
At this time the punitive action caused by Target/TD Banks deceptive practices and fraudulent reporting has cost me {$2000.00} because I have had to pay down XXXX and Target/TD Banks card to prevent further damage to my credit.
I received the XXXX dispute report stating they will not have Target/TD Bank change or remove this and the 30 day late payment will remain on my credit report EVEN after I paid {$190.00} on the phone with them XX/XX/XXXX to cover the {$35.00} late payment and another {$600.00} on XX/XX/XXXX because they dropped my credit limit almost maxing my card out.
These punitive actions should never have occurred, would have been immediately remedied had they called me about the late payment, again I have NEVER missed a payment, especially for {$35.00}.
So moving forward to today, they fraudulently reported on my credit report not only the 30 day late payment which will affect my credit till XXXX but they fraudulently reported the late payment incorrectly as XX/XX/2023 instead of XXXX which is when the apparent missed payment occurred because somehow the autopay was removed from my account and a no call/contact was added but they can not tell me when or why, ..they just say they have no record of the autopay ever being on my account and no record of who authorized a no call/contact on the account.
The actions of Target/TD Bank the XXXX issuer to not inform are deceptive, lowering credit limit to max out a persons account is punitive and adds high interest and burden to the card holder in the form % of used credit and affecting consumers overall credit rating/standing with all open accts or lenders but the fact that they also fraudulently report to the credit bureaus the inaccurate month the apparent transaction occurred is warrants a closer look at their deceptive practices and unfair treatment of long-term customer/consumers by both Target and TD Bank.
I have been a customer and card holder member for almost a decade or more and never missed a payment and even pay extra every month ahead of my payment due date.
At the very least I would like to have this fraudulent reporting removed from my credit report and at the most Target/TD Bank should be fined or shutdown for fraudulent, punitive and deceptive practices burdening consumers.
My payments are due on the XXXX of every month, WHY in 30 days did they not reach out to me at all? WHY did they wait till XX/XX/XXXX to report this without contact even though I paid {$190.00} on XX/XX/XXXX and {$600.00} more on XX/XX/XXXX and why drop a consumers credit limit to almost maxxing the consumer account limit for {$35.00} late payment? These deceptive practices are the reason for the Consumer Agency Protection Bureau and I pray something is done since the credit bureaus will not assist.
Please assist me in resolving this so that other consumers do not have to be deceived by Target/TD Bank ever .
Thank You!
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| 05/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Older American |
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On XX/XX/XXXX, my wife XXXX XXXX purchased a XXXX XXXX XXXX XXXX from XXXX, a national Internet-based car dealership. I was cosigner. We put down {$10000.00} and financed about {$24000.00} with a loan from TD Auto Finance. The transaction occurred at our home ; XXXX brings you the car, lets you drive it, and then sells it to you. The entire loan transaction was conducted on XXXX 's tablet computer at our home. XXXX sells cars with a seven-day period to try the car, and the purchase can be cancelled and the car returned during that period. On XX/XX/XXXX, I took the car to be inspected by a mechanic and the car failed virtually every test of the engine. It also turned out that a body problem, a broken molding, was going to cost over {$1800.00} to repair because the part was no longer readily available. We returned the car on XX/XX/XXXX, and XXXX agreed in writing to have the TD loan " cancelled. '' We waited. On XX/XX/XXXX, TD reported the " new loan '' to all three credit reporting agencies, without ascertaining whether the transaction had been cancelled during the seven-day cancellation period. XXXX didn't pay off the loan until XX/XX/XXXX, after I had received a notice from TD that our first payment was due on XX/XX/XXXX and had called a number of times to complain, and XXXX didn't have the loan " cancelled. '' TD confirmed in a letter that the loan had been paid off on XX/XX/XXXX, though it didn't say the loan was " cancelled. '' Again we waited for the cancellation, or at least the payoff, of the loan to be reported to the credit reporting agencies. That didn't happen. I called TD on XX/XX/XXXX to verify that the loan had been paid. A Customer Support representative who said her name was " XXXX '' confirmed that it had been paid. I asked whether this had been reported to the credit reporting agencies. She said that the only way to do that was for me to submit a " dispute '' to TD 's " Credit Investigations Department, '' and she said they only had two people in that department, one of whom she said was named XXXX XXXX. I asked why I had to submit a dispute when TD acknowledged the loan had been paid off. She hung up the phone. I then wrote a letter to TD 's Credit Investigations Department demanding that they notify the credit bureaus that the loan had been paid off. The letter is attached. I never received any response. Meanwhile, my wife XXXX and I were in the process of applying for a loan to refinance our house. We waited and waited for the loan payoff to show up on our credit reports. As of XX/XX/XXXX, almost a month since the loan was paid off, the " new loan '' still is on our credit reports with no indication it has been paid off. In fact, on XXXX there is a notation that we made the first payment (! ), nothing about the loan being paid in full. My credit has been adversely affected, my credit score has gone down, at a critical time when we are trying to get a refinance loan. I tried calling TD during the week ending XX/XX/XXXX and was told there was nothing they could do, that they " would have '' sent a notification to the credit bureaus on either the XXXX or XXXX of the month. She was not able to offer any record showing that this had been done, but she blamed the credit reporting agencies for being slow to post this to our credit reports. I tried to submit a dispute on XXXX 's website today, and found that there was no way to dispute the existence of the TD loan, I was asked to select the type of dispute and there was no type listed that matched ours, and I had to select a month in which the dispute arose and it wouldn't allow me to check XXXX as the month. I haven't yet tried to submit the dispute on XXXX 's and XXXX 's websites but I will. I have the letter from TD acknowledging the payoff, it is dated XX/XX/XXXX and says, " Thank you for being a TD Auto Finance customer. We value your business and it's our pleasure to let you know your account was paid in full on XX/XX/XXXX. Congratulations! '' It is attached. One other thing : we authorized Shift to check our credit, but the Shift " concierge '' ( their word for a salesman, whose name was XXXX XXXX, told us it wouldn't affect our credit, they wouldn't make a " hard '' inquiry. Instead, they apparently contacted several lenders, all of which made " hard '' inquiries of our credit without our ever having authorized them to do so. This, too, hurt our credit because those inquiries show up on some of our credit reports. What we want : We want all reference to the TD loan deleted from our credit reports, and we want all credit inquiries made on XX/XX/XXXX deleted from our credit reports. We should be put into the same position we would have been in had none of this happened.
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| 11/28/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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To whom it may concern : I am writing to express concern about how TD Bank presents its transfer limits. The bank lies to its customers in a way that makes it more likely for them to receive additional fees for balances dipping below a minimum, because customers can not make deposits as listed in the interface.
After logging into the TD Bank web interface to make an interbank transfer ( " With my accounts outside TD Bank '' ) one must first select the source account, so the interface knows if the desired transfer is inbound to or outbound from TD Bank. Then, next to the box for the Amount, a " View Limits '' link appears. Clicking on this shows the per-transfer, daily, and monthly limits for both inbound and outbound transfers using next-business-day and 3-business-day transfers. It also shows the amount remaining today, though that amount is not as applicable when scheduling a future transfer.
Unfortunately, these amounts are regularly WRONG. Upon initiating a transfer within the limits presented by this interface, a bank customer can receive an e-mail stating that TD bank had cancelled the transaction because the amount exceeded TD Bank 's limits, even though re-checking both the limits shown and the customer 's history of inbound or outbound transfers within the past day and month shows the amount to be under the limit ( also under the per-transaction limit ). The inverse is also true : sometimes transactions for amounts greater than the stated remaining limit can go through just fine.
The only way to find out the actual limits are to call in to the bank and spend about an hour on the phone. For example, I had an INBOUND transfer from XXXX XXXX XXXX scheduled for XX/XX/XXXX for {$8000.00}, which was initially schedule just fine but then cancelled by TD Bank due to TD 's limits. The published limits say that the inbound per-transaction maximum is $ XXXX, with $ XXXX daily total limit and $ XXXX monthly total limit. This is very clearly presented in the interface presented to the user only AFTER logging in to their individual accounts and AFTER indicating whether this is an inbound or outbound transfer. After receiving notice of the cancellation on XXXX XXXX XXXX, I called TD Bank and reached XXXX. After 45 minutes on the phone, the conclusion was that the actual monthly limit is $ XXXX instead of the {$30.00} shown. The new transfer, when combined with the only other inbound transfer within the past 30 days ( though not in the same month ), exceeded this secret " monthly '' limit, and " monthly '' in this instance secretly meant a rolling 30-day period instead of each month, even though it means " monthly '' in other cases such as limits on the number of withdrawals from a savings account.
Note that the limits imposed by the other bank from which the funds were to be transferred ( a premium account ) are much, much higher, limited only by the funds in the account which were more than enough to cover the transaction.
They explained that the higher limits are shown to me after I've logged in because those higher limits apply to some other customers, and the determination of eligibility is made based on banking hisotry at the time a customer signs up for that portion of online banking, which in my case was likely when the account was brand new, so I was not eligible for the higher limits and nobody at the bank can change that. They also explained that nobody at the bank could change their interface to give customers true information about the limits which applied to them ; they think lying to their customers is just fine. This is not the first time an issue like this has happened and the Bank continues refusing to fix it.
As a result of the limits shown being different from the actual limits in effect, TD 's design choices have blocked me from being able to cost-effectively figure out the deposit limits which would have allowed me to fund the account to be just above rather than just below their threshold for charging maintenance fees, and they have been charging these maintenance fees. When I log into their website to try to send a Secure Message about these issues ( in the Transfers category ), I first get the error that I can only send a message about internal transfers between accounts, and even when I select internal accounts with more details in history and description, I can not submit the message " We apologize for the inconvenience. Thanks for your patience. Please try again in a little while. '' This is quite frustrating.
I don't think the bank should be allowed to lie to customers about the transfer limits it imposes and I definitely don't think that strategy should be considered a legal basis to extract additional fees.
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| 07/25/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On the night off XX/XX/2021, I went out to a restaurant in XXXX with 3 friends. On the way home around XXXX, I realized my TD bank debit card was not in my wallet. I immediately froze my card then checked for any unusual charges on my TD bank app and saw none. The next morning, I checked my app again and I saw 3 " DDA Withdraw '' pending charges ( {$300.00}, {$300.00}, and $ XXXX= {$700.00} ), along with 3 accompanying " NONTD ATM fees '' of {$3.00} each. The location was listed as XXXX XXXX XXXX, XXXX, PA for those charges, which is just a few blocks away from the restaurant I was at. I immediately called TD bank customer service and was told that I could file a dispute for the charges but would need to wait until the pending debit charges officially went through on the app.
On Tuesday, XX/XX/XXXX, the charges officially processed so I called TD bank back and filed my first dispute. I explained that I was not exactly sure when the card was lost, but assume it was on my way to/from/or inside the restaurant, somewhere between XXXX XXXX. I asked the representative if the PIN number was used and he said it was. He said it was first entered incorrectly around XXXX, but less than a minute later was entered correctly and was then entered correctly for the next 2 withdrawals minutes apart. I asked how someone could take money out from my account without knowing the PIN number and he said either they watched me use it previously or, that it was rare but possible that someone shared the same PIN number. He felt confident I had taken the right steps and would get my money back after TD 's investigation and verbalized this.
A week later, I received a letter in the mail from TD bank explaining that they had reviewed my dispute and concluded that no fraud had occurred and the money would not be reimbursed. On XX/XX/2021, I went to the TD bank at XXXX XXXX XXXX in XXXX to speak to them in person regarding the denied dispute claim. The customer service coordinator, XXXX XXXX, read me the investigator 's notes about the decision and said the reasons for the denial were that 1. the PIN number was correctly entered and 2. the bank account was not completely drained. I explained to the representative that according to the other representative who filed my first dispute, the PIN was entered incorrectly the first attempt. I also explained that I have a limit of {$700.00} per day limit in withdraws on that debit card, therefore, the person did drain all that they could possibly take at the time. I had frozen my card before they were unable to reattempt another withdrawal the next day. I filed a second dispute based on those facts but was also recommended to file a police report as well to help my case and told to give the DC number to TD bank once I had it. This dispute was also denied, based off the same two reasons I listed previously.
I filed a police report at the XXXX Police XXXX District office, requesting that the ATM cameras be reviewed to determine that I had not been the one to withdraw the money. I gave TD bank the DC number from the police report as they requested and filed a third dispute with XXXX, one of the managers of TD Bank on XXXX XXXX. He said he would contact me directly regarding a response from the dispute investigators and I never received a response back.
Lastly, on XX/XX/2021, I called TD Bank again for an update. I was forwarded to XXXX who said my third dispute was also denied, again based off the same two reasons. I requested to speak to the investigators of the disputes to discuss these decisions and XXXX refused. He said the only thing he could do was email the investigators on my behalf to see if there is anything else that can be done. I again requested that the ATM cameras be reviewed and attempted to explain how their reasoning did not make sense for the other denied disputes. I have still not received a response.
Not only is TD bank refusing to acknowledge the flaws in their reasons for denying my first three disputes, but they have also failed to review the ATM cameras though they have the exact location, date, and time of these withdrawals. They have also failed to consider that these withdrawals should have been flagged in the first place as they are abnormal and stray from my usual banking pattern I have never taken out {$700.00} at midnight and in 3 separate, consecutive withdrawals that each require a {$3.00} ATM fee. I do not feel that TD Bank conducted proper due diligence in this investigation, and although I followed every step they advised in disputing these charges, it is costing me my {$700.00}. I would like to be reimbursed the money I am owed as a trustworthy, loyal customer. Thank you.
|
| 05/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
|
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I have wrote this story 3-4 times with no help so I will just show you the contents of an email sent to TD Bank regarding the situation.
" Dear TD Bank Customer Service Team, I am writing to express my disappointment and frustration with the treatment I have received from TD Bank in relation to an unauthorized charge on my debit card. My family and I have been loyal customers of TD Bank for over 10 years, and I am disappointed with the lack of support and assistance I have received during this time of need.
On XXXX XXXX XXXX I lost my wallet at a XXXX XXXX at the XXXX, a bar in XXXX, NJ. I immediately thought that I had left it in my friend 's car, but the next day I noticed that my TD Bank debit card was charged for {$640.00} at a XXXX XXXX in XXXX XXXX, New York. I quickly froze my card and contacted the TD Bank dispute and claims center. During my call, I informed them that my wallet was stolen and that it was IMPERATIVE that they note this information since my PIN was my birth year which is readily available with my drivers license.
After eight long days of investigation, I was informed by TD Bank that they did not find any fraudulent activity on my account because my PIN was used to make the transaction. However, I find this conclusion to be inaccurate and concerning. First of all, it took your investigative team to decline my fraud request after EIGHT days because my PIN was used? EIGHT days to come to the conclusion that I am wrong because my PIN was used? When I make purchases online over a certain amount, I always receive a notification on my phone, and I did not receive any such notification for this transaction. Additionally, it is unlikely that I would make a purchase at a XXXX XXXX location in XXXX XXXX, New York, since I reside in New Jersey. Lastly, the security cameras at XXXX XXXX will show you that I was most certainly NOT making any purchases at XXXX XXXX, New York.
Furthermore, my mother told me TD bank was reliable and their investigative team would do their best to make sure the situation would be handled properly because NO ONE in my family, including myself, has ever dealt with Debit/Credit card fraud so I believed her. So what did TD bank investigative team do during the EIGHT day period from when the claim was started to finalization? They concluded that since my PIN was used I am wrong. Remember this conclusion can be made in 5 minutes given the accessibility you have to this information. The representative on the phone could've made the same conclusion because she even asked me if I used my PIN. I thought your team of salaried employees would be actually conducting a proper investigation by getting concrete evidence such as XXXX footage.
Therefore, I am requesting that TD Bank takes appropriate action to investigate this matter further. I am considering speaking with law enforcement to attain the proprietary video footage at XXXX XXXX, which will prove that I was not the one making the purchase.
As a loyal customer of TD Bank, I expect to receive the support and assistance necessary to resolve this issue. I hope that TD Bank will take the appropriate steps to rectify this situation and provide me with the necessary credit for the unauthorized charge on my account.
Thank you for your attention to this matter, and I look forward to hearing back from you soon.
Sincerely, XXXX XXXX '' Basically I lost my wallet, my ID was in my wallet along with my debit card, the fraudster used my birth year as PIN, and TD Bank says the PIN being used is enough for them to deny the claim.
Fast forward to today, I TD Bank calls and said that my claim has been set to automatic denial by the manager meaning if I were to resubmit the claim it will be automatically denied. I was heartbroken I work minimum wage while paying student loans, and my bank doesn't care when theft took place. I am sure if the number was higher I would've had my money back because an ACTUAL investigation would have taken place. They don't even bother to check security cameras... I went to my local police department to submit a police report, BUT the fraud took place in NY so it will take along time to get their hands on the video footage, so long that it will probably be deleted by the time. I want to seriously cry, I have student loan payments and they aren't taking the precautions necessary to properly evaluate this case. I asked for the manager 's name she instantly denied. This is the number of the TD Bank Dispute and Claims representative that failed to provide me with the proper information necessary to further resolve this issue. ( XXXX ) XXXX. Thank you for your time
|
| 06/05/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
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|
Web |
|
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XXXX XXXX, 2017- After an extensive amount of research, I went to XXXX XXXX XXXX obtain a debt consolidation loan to payoff credit card debt. I was rejected in the bank and started searching for another bank that offered debt consolidation loans. I applied for loan at TD bank the same day. XXXX XXXX, 2017- I spoke with XXXX at TD Bank , who said I was approved for the loan and requested additional documentation ( recent credit card billing statements ) to process the request. She explained she would be out and referred me to another contact in her department. I faxed the information to her and the next day. I received a call about going to my local branch located in XXXX, PA and set up an appointment scheduled for Saturday XXXX XXXX. I arrived at the Bank, waited for a very long time. The bank has a container of dog biscuits at the counter but no lollipops at the counter. ( Animals get better treatment than customers or parents with children? ) I was waited on by a XXXX XXXX XXXX. She printed up the closing documents, I signed for them and said that I would have to return on Monday XXXX XXXX, 2017 because she did not know how to cut the checks for the creditors and the remaining check which was disbursed to me. I rearranged my work schedule and returned to the Bank as soon as it opened. XXXX XXXX was there and her response was " Oh, you came back. The manager is not here who know how to print the checks. '' She called a number who provided instructions. Checks were sent to 3 creditors and I received a check. It took over an hour. I asked when my first [ payment was due, she said XX/XX/XXXX. I never received a billing statement and was unable to set up online account because my loan was entered into the system. XXXX XXXX,2017-I went to the XXXX, PA branch to pay my bill and spoke with XXXX since I had not received my billing statement. She stated that my account was not loaded in the system, there was no way I could pay. There was nothing she could do except speak with the Branch Manager XXXX XXXX. I left three telephone numbers : My mobile, my work number and my home number. XXXX said I would receive a call Monday XX/XX/XXXX from XXXX XXXX, the branch manager. I checked my phone throughout the day. XXXX XXXX never called and my loan was not in the system. XXXX XXXX, 2017-XXXX XXXX never called. I called TD Bank while at work. I spent 45 minutes on hold before speaking to someone. Afterwork, I called from home and spent two hours on the phone. Most hold times were about 30 minutes to get from one department to the next one. When I was connected to loans, XXXX assisted me and sent emails to the XXXX, PA Branch. She confirmed that my account was not in the system, it was never loaded and no billing statements were generated. XXXX said I would receive a confirmation call from the Bank once everything was loaded into the system. XXXX XXXX, 2017- I called Customer Service to follow up on the status of my request. Spoke with a Customer Service Representative who referred me to a Manager. Both were very nice and helpful. The manger explained that the loan would be loaded in the system it would take a few days, possibly longer due to XXXX XXXX weekend. My due date was scheduled for the end toXX/XX/XXXX and I would receive a bill in the mail. I never received a follow up call from anybody. XXXX XXXX, 2017-Received a call from a collections call from an agent telling me that my XXXX XXXX, 2017 payment was fourteen days late and how would I like to pay. It was XXXX XXXX XXXX XXXX. I became very upset since I did not have a bill or account number. I was furious since I had been patient since XX/XX/XXXX. It was XX/XX/XXXX and I was considered late ( by no fault of my own ). I told him I never received a bill and asked him, profanity included what king of operation they were running? I went online, could not access my account and called the collections area back and told them where to go. I was blown away by their insensitivity and callousness. There was no interest in resolving the situation. Completely lost my patience and became very angry. This has gone over a month. XXXX XXXX, 2017-In tears at this point, I called the 24/7 number and spent another hour waiting. Explained my situation to the loan department. She could not explain why I did receive a bill or a follow up call from the Bank but I could open a checking account if I wanted to. I was not exactly thrilled by the offer. I declined, since I already have a checking account. XXXX XXXX, 2017-Filed a complaint with the State of Pennsylvania who referred on Monday XX/XX/XXXX me to consumerfinance.gov.
|
| 01/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
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I am writing because I would like to understand how TD Bank enabled someone to steal {$14000.00} from me between XX/XX/2019 to XX/XX/2019 through 26 transactions without once alerting me to possible fraud ( total theft attempted was {$16000.00} but I was able to have the 27th transaction stopped upon my own discovery of the fraud ). Further, TD Banks fraud department refuses to acknowledge that there was debit card fraud with respect to my account.
On Thursday XX/XX/2019, I attempted to use my TD Bank debit card. I punched in my PIN in several attempts but was told by the ATM that the PIN was incorrect. I went to my local TD Bank branch the following day, Friday XX/XX/2019, to have my PIN reset to find out that I only had {$15.00} in my account. I had no idea how this could be, I had checked my balance 2 weeks earlier which showed a nearly $ 17k balance.
At my request, the bank teller looked up my account and we saw that over the course of 2 days, beginning XX/XX/2019, a thief had managed to drain the my bank account - transactions that included ATM withdrawals, debit card and POS transactions ... the majority of which took place in Massachusetts. My home address is in New York. I have not traveled to MA in the past year and was still in physical possession of my debit card.
The thief was able to make multiple ATM withdrawals of over {$700.00} within the same day. I have never taken more than {$150.00} out of my account via ATM. How was this not flagged as being fraudulent or suspicious?
The thief used my debit card to make multiple purchases, what appears to have been both physical and electronic purchases. The thief was able to make multiple payments of over {$2000.00} via XXXX and pay what appears to be their electricity/gas bill ( deduced from the name of the vendor that appeared on my statement ). I have never made any purchases using my debit card, not even once. Once again, how did this not get flagged by TD Bank as being fraudulent?!
I would really like to understand how none of the above got flagged by TD Bank as being fraudulent. Over 2 days, transactions totaling almost {$17000.00} hit my account, largely in MA and I was never once notified by TD Bank about the suspicious activity. I was not alerted via email, text or call. Meanwhile, the fraudulent transaction amounts were large, made within a short period, out of state, and inconsistent with my previous transaction history. The only reason I was alerted to the fraud was because I had tried to take money out of my own account.
What did TD Bank do, if anything, to protect my account? Could theft of this magnitude have been prevented had the bank been diligent in monitoring customer accounts? I believe that someone was able to somehow obtain my debit card number and make copies of my card.
I have offered to share my phone records, credit card records, work records to prove that the transactions on my account are fraudulent and that I could not have been in MA using my debit card but I have never once been contacted by the TD Bank fraud team during their investigations. It appears that the thief has attempted to make additional fraudulent transactions since the fraud had been reported. I have seen these attempts show up in my pending transactions. However this does not seem to have been considered in TD Bank 's fraud " investigations '' either.
If the bank truly worked with the authorities they would find that I was not the person executing the disputed transactions. In New York, theft of this magnitude is considered Grand Larceny in the 3rd Degree. TD Bank has done nothing to help catch this felon.
Total theft : ( 1 ) {$4800.00} of ATM withdrawals ( 7 withdrawals total in MA, all within 2 days ) ( 2 ) {$9200.00} of debit card and POS transactions ( all within 2 days ) : XXXX XXXX XXXX - MA {$500.00} XXXX XXXX {$530.00} XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX XXXX XXXX MA {$310.00} XXXX XXXX {$70.00} XXXX XXXX XXXX {$100.00} XXXX {$620.00} XXXX XXXX {$8.00} XXXX XXXX XXXX {$150.00} XXXX XXXX {$55.00} XXXX XXXX {$600.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$500.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX {$530.00} XXXX {$650.00} XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$530.00} XXXX XXXX {$86.00} I have a full time job where I have to work late, I don't have all day to be calling companies who have accepted fraudulent payments ... is it too much to expect a certain level of protection, trust and service from TD Bank?
I am happy to share further information if needed including bank transcript with fraudulent transactions, police report incident number.
|
| 03/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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I sent a dispute to the credit reporting agencies on XX/XX/XXXX. According to the FCRA, credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy, XXXX XXXX v. Experian XXXX. XXXX, XXXX XXXX XXXX WL XXXX, at XXXX XXXX XXXX Cir. XXXX. XXXX, XXXX ) ; XXXX v. XXXX, XXXX Fed. Appx. XXXX XXXX XXXX Cir. XXXX ) ). At this time, Ive provided the information to the credit reporting agency on XX/XX/XXXX and they have failed to conduct that reasonable investigation which indicates a violation of the act XXXX XXXX v. Equifax XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX ( W.D. XXXX XXXX ) ).
In my dispute to the credit reporting agency on XX/XX/XXXX, I explained my dispute in detail and requested for an investigation to be conducted regarding the information on my credit profile. In my research, XXXX court noted : XXXX t ] he standard of conduct by which the agencys action is to be judged is deeply rooted in the law of negligence : what a reasonably prudent person would do under the circumstances. XXXX XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX ( E.D. XXXX XXXX XXXX, citing XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX ), affd, XXXX XXXX XXXX XXXX XXXX Cir. XXXX ) ).
I want to see what that the credit reporting agencys procedures are reasonably designed to prevent inaccuracies, but also whether the agency actually followed its own procedures. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Or. Apr. XXXX, XXXX ) ). It is not enough that a CRA have procedures in place. The employees must follow those procedures in each and every report they prepare ( XXXX U.S.C. XXXX ( b ). See XXXX XXXX XXXX Advantage LNS Screening XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRAs failure to following its own procedures for matching consumers with common names was evidence of willfulness ) ). The CRA must not just have reasonable rules, but the employees must strictly follow those internal CRA rules. XXXX XXXX v. XXXX XXXX, XXXX XXXX XXXX. XXXX ( E.D. La. XXXX ). Cf. XXXX v. Ohio XXXX. Bank, XXXX WL XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( fact that furnisher ignored its own policy and procedure manual could raise issue of fact as to whether it conducted reasonable investigation ) ).
In XXXX XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX explained that a consumer satisfies their initial burden by presenting evidence tending to show that the CRA published a consumer report containing inaccurate data. Ive done this on XX/XX/XXXX.
Per the settlement with a multistate group of Attorneys General, ( Assurance of Voluntary Compliance/Assurance of Voluntary Discontinuance, In the Matter of Equifax XXXX. XXXX. XXXX, Experian XXXX. XXXX, XXXX XXXX and TransUnion XXXX XXXX XXXX ( F ) ( XXXX ) ( XX/XX/XXXX XXXX XXXX, and supervision by the Consumer Financial Protection Bureau XXXX the system was somewhat reformed, but serious deficiencies remain ( Chi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Injustice Redux : XXXX Years after a Key Report, Consumers Are Still Frustrated Trying to Fix Credit Reporting Errors ( XXXX XXXX, XXXX XXXX XXXX.
In my research, according to FCRA XXXX XXXX a ) ( XXXX ) ( A ), the credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file..... before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Since I mailed the letter, Ive allowed 5 days for mail time to the credit reporting agency which would mean the credit reporting agency, according to my calculations, had until XX/XX/XXXX to provide their response to my investigation.
The problem that comes into play is that the bureau has never sent me proof that an actual investigation took place, nor did they show me their method of verification that I requested on XX/XX/XXXX. I also requested verification so that I can see what the credit reporting agency is reviewing before entering inaccurate information onto my credit report. Based on the lack of requested verification from Target, how are XXXX XXXX they allowed to verify the accuracy of what they are reporting to the credit reporting agencies, when what they are reporting are inconsistent with the other credit reporting agencies and XXXX XXXX how are the credit reporting agencies actually conducting a reasonable investigation when they dont have all of the required information based on my dispute?
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| 06/15/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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To Whom this May Concern : I recently became aware that my TD Bank checking account had various fraudulent charges in the amount totaling {$9900.00}. The following are the charges that I do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I went into TD Bank on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX to cancel my debit card and obtain a new card as I was told my debit card was hacked. On XX/XX/2020, I called TD Bank Customer Service to dispute all of the above charges. I was denied and was told they think it was me. On XX/XX/2020, I called TD Bank Fraud Department and am now being told to jump through hoops. I tried to contact the third party vendors ( XXXX and XXXX XXXX ). I was able to send a message to XXXX ( have not heard back ) and there is no way for me to contact XXXX XXXX who is currently not open due to the virus ( as the automated voice message said XXXX.
On XX/XX/2020, a police report was created at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. I was told the wait time for the report is 5-7 business days. The type of offense is : information.
I'm a step below getting a lawyer on this. TD Bank did not try to help me with my estimated {$10000.00} of fraud. I need help. They say they're America 's most trusted bank. I truly do not trust them anymore and will be telling everyone I can reach, NOT to use them if they can not help me with this issue.
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| 11/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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1. There was inquires from XXXX XXXX XXXX on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 2. There was inquires from XXXX on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 3. There was inquires from XXXX on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 4. There was inquires from XXXX XXXX XXXX on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 5. There was inquires from XXXX XXXX on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 6. There was 3 inquires from XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 7. There was inquires from XXXX XXXX XXXX XXXX on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 8. There was inquires from TD Auto Finance on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 9. There was inquires from TD bank N.A on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on my credit that I never authorized. I do recognize one Inquiry I did on XX/XX/XXXX and I authorized this myself! Tried reaching out but got no help 10. There was inquires from XXXX XXXX XXXX on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 11. There was inquires from XXXX XXXX XXXX on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 12. There was inquires from XXXX on XX/XX/XXXX, and XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 13. There was inquires from XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. on my credit that I never authorized. I do recognize one Inquiry I did on XX/XX/XXXX and I authorized this myself! Tried reaching out but got no help 14. There was inquires from XXXX XXXX XXXX, XXXX on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 15. There was inquires from XXXX on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 16. There was inquires from XXXX on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 17. There was inquires from XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 18. There was inquires from XXXX XXXX XXXX on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 19. There was inquires from XXXX XXXX XXXX on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 20. There was inquires from XXXX XXXX on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 21. There was inquires from TD Bank USA/XXXX XXXX on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 22. There was inquires from XXXX XXXX XXXX on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, on my credit that I never authorized. I do recognize one Inquiry I did on XX/XX/XXXX and I authorized this myself! Tried reaching out but got no help Please help me sought these inquiries out I didnt do them!
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| 08/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I check my TD credit card online nearly every other day. On XX/XX/XXXX I saw XXXX charges for {$500.00} each at a XXXX XXXX in XXXX. I did not make these purchases and I live XXXX hours from this location. I immediately called TD card service to report fraud on XX/XX/XXXX. I gave them the information about the transactions and was told it was being processed and to call back in XXXX business days to check on the status. I called on XX/XX/XXXX to check the status and a representative could not find the claim and checked the notes that I called on the XXXX and sincerely apologized on behalf of TD that the claim was never processed and that it would be immediately. She also told me that the {$1000.00} would be credited back so I did not incur interest charges on the fraudulent charges. I was told that I would receive documentation in the mail regarding the claim and an investigator would be reaching out. None of this happened- I did not receive any documentation in the mail, I did not get a call from the investigator, and I was never credited the {$1000.00}. I proceeded to call a week after the XXXX of XXXX and spoke with a representative and asked about the status of the claim, I was forwarded to someone else who proceeded to ask me about the charges and if I had the card present. I told them I had the card in my hand. She stated the transactions were processed with a chip so it was impossible for fraud to have occurred. I explained that there was a duplicate card that could have been stolen or someone fraudulently requested a card and stole it from my mailbox but I did not make those charges. I proceeded to call every 3rd day for the past XXXX months. They proceeded to tell me the claim was under review. Fast forward to the end of XXXX, I called in to check the status and they told me the claim was denied because a chip was used and I stated I had the card. I had to put in a request to reopen the claim, which I did because a duplicate card again could have been stolen or some other fraudulent activity occurred. I called again to check status and they would tell me the request to reopen was still under review. Finally, I called the day after and was told by a representative that XXXX XXXX or google pay was used. This XXXX a red flag to me as I could tell TD had no idea what was going on and never investigated the claim. I called back in the same day at the end of XXXX and asked when the original claim was denied. The person stated it was denied on XX/XX/XXXX, the same day it was actually processed, since they never processed it the first time I called it in. Again, I never received any documentation in the mail nor was contacted by an investigator and the claim was just denied. They asked me why I didn't take it up with XXXX XXXX for the fraudulent purchases. I called XXXX XXXX and spoke with corporate and a representative looked up the transactions and could easily tell fraud was occurring as my card hit 2 different registers for {$500.00} each and another card of someone else was processed for {$1500.00} within minutes after mine. I retained copies of my receipts from XXXX XXXX and tried to handle it with them, but they expressed to me that I needed to work with my bank to resole this, since they are the ones that need to resolve this through their own investigation. I called Td bank on XX/XX/XXXX to check the status of the reopening of the claim and they told me it was still be reviewed. I called again on XX/XX/XXXX to check the status again and was told the claim had been denied and was not reopened on XX/XX/XXXX, so I was misinformed again on the XXXX. I have called TD bank at least XXXX times and get told something different every time. " The claim is under review, the claim is closed, the reopening of the claim is still under review, the claim has been denied. '' I expressed to them the last time that I never received any documentation from them in the mail nor was never contacted by an Investigator. They never reached out to XXXX XXXX to inquire about the details of the transaction, never did anything. They just denied my claim the day it was finally processed ad proceed to misinform me every time I call. I had a call into a supervisor and missed the call due to my work and called immediately after and she was unavailable and never got a call back. I am in disbelief at what is going on here. XXXX XXXX corporate can indicate to me that fraud happened yet TD bank is charging me interest on the fraud and will not investigate the claim. I filed a police report that is currently being processed and under investigation.
|
| 06/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I purchased a new XX/XX/XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX, MA ( or XXXX XXXX XXXX XXXX XXXX XXXX depending on what paperwork you are looking at ) on XX/XX/XXXX. I chose a vehicle that I knew I could afford with my {$12000.00} cash down and {$3000.00} trade. I was prepared to pay approximately {$300.00} per month to finance this vehicle as the math was done with the salesperson before stepping in to the finance office.
The finance person then told me that I had been approved for a 3.89 % 75 months car loan with TD Bank which would be {$280.00} per month ( including additional Road Hazard Protection & LoJack which was sold to me as add-on sales ). I was then asked if I would like to pay monthly or bi-weekly. I was told that if I paid biweekly I would pay the car off faster and it would save me money on the interest since car loans charge interest per day. Since I was trying to chip away at this car loan as quick as I could ( hence the {$12000.00} cash down ), I was interested in any savings that I could get. I was told that if I had a blank check, the finance person could enter my bank account information right then and there and get me started right away with this biweekly plan. He gave me a printout calendar which showed which dates the biweekly payments would be deducted. I was not given any other literature regarding this plan nor was I shown any details that would indicate that this was a 3rd party bill pay company ( XXXX which is now called XXXX ). After leaving the dealership with my Retail Installment Sale contract, and a payment calendar ( no copy of the biweekly paperwork ), I was under the assumption that TD Bank was affiliated or managed this biweekly plan and that they were just getting their money in a faster more convenient method. I received a letter from XXXX a couple weeks later congratulating me on my vehicle and asking me to call or email with questions. I called to confirm that everything was all set ( since I had already received my first bill from TD Bank ) and I was reassured that the automatic biweekly draft was complete and I had nothing to worry about.
I am now 1 year in to this loan and I have decided to refinance for a lower rate ( 2.9 % ) which prompted me to call TD Bank to get a payoff balance for my new refinance. I was informed that not only are they not affiliated with Intellipayment, but my account is overdue! There was a payment due on XX/XX/XXXX that never posted ( although I knew for sure that it came out of my bank account! ). And for almost every single month, the payments had been 2-8 days late posting to the account.
Without my knowledge, the dealership had ultimately signed me up as a customer of XXXX. They would withdraw {$1.00} convenience fee each time they drafted a biweekly payment from my bank account as well as a {$390.00} " deferred program fee '' which could be drafted at any time from my bank account without my knowledge as long as the amount did not go over the {$140.00} biweekly amounts ( which includes the {$1.00} fee ). When I called XXXX to let them know that I was never made aware of these fees, they said that I signed the contract with the dealership and they were supposed to go over the fees with the 4 page biweekly agreement paperwork and send me home with a customer copy. XXXX has taken {$1.00} in convenience fees for the last 25 payments that they have drafted from my account ( {$48.00} ) as well as {$280.00} for the deferred program fee. This {$280.00} was taken in ( 2 ) drafts ( XX/XX/XXXX {$140.00} & XX/XX/XXXX {$140.00} ) which appeared to me to be regular car payments, but were in fact full amounts taken out to satisfy their fee ( without my knowledge ). Since the amounts taken were identical to my payment amount, neither the bank nor I recognized anything out of the ordinary.
Since I have become aware of this ( over the past week ), I requested a copy of the paperwork that I signed from the dealership ( attached ). I do not recognize this paper and I don't recall signing it. Perhaps it's possible that it was placed in front of me while I was signing all of the other paperwork? The fees certainly were not explained to me ( otherwise I definitely would not have opted in to this program ) as you can see that if I paid the entire loan..it would actually result in a loss of {$540.00} ( " net cost '' on the paperwork ). I was not given any copy of this or given the opportunity to look at pages 2,3 or 4 which are mentioned in " Section 4 ''. I do not feel that this agreement is valid as this program was clearly misrepresented to me.
|
| 08/04/2020 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
Servicemember |
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I saw a TD Bank advertisement for a promotion at XXXX : XXXX I decided to open a new account because I was interested in the promotion. On XXXX XXXX, XXXX I opened the checking and savings accounts online.
Checking account number : XXXX Savings account number : XXXX I already have had a credit card with TD Bank for a few years : My TD Cash credit card is : XXXX XXXX XXXX XXXX expires XXXX I had to call TD Bank last week in order to link my new checking and savings accounts with the same login as my credit card that I've had for years.
Then a few days later all of suddenly I am unable to log into my TD account. I called on Saturday XX/XX/XXXX to see how to access my accounts. I had just funded a total of {$400.00} from my checking account at XXXX XXXX, and I was wondering why I am suddenly unable to log in.
I was told on the phone by TD Bank customer service that I would need to reach out to my local branch which was XXXX to XXXX, XXXX, the same city as my mailing address. I explained that I am in XXXX, XXXX and due to the pandemic situation that I will not be returning to XXXX until there is a vaccine as there is too much risk. The customer service told me on Monday to reach out to the local branch by phone and they should be able to solve this for me.
Today I reached out to the local branch in XXXX, XXXX. I explained my situation and what is going on. I was told that the manager of the XXXX branch would work to solve the issue and that she would call me back. I waited the entire day, and did not receive a call back from the manager.
Prior to being able to get a hold of the XXXX branch by phone, I had also called the XXXX, XXXX branch of TD Bank to ask for help and let them know what is going on with all of my accounts being frozen and unable to log in or access my accounts or money.
I later received a call back from the XXXX branch, where I was told that the only way TD Bank would be able to help would be if I traveled thousands of miles during a pandemic to visit a branch in person. I said that is impossible, and that I need another solution. He told me that there is nothing else that I can do. He told me that he will not do anything else to help. He told me that if I call the toll-free TD Bank phone number ( the main number ) that they will tell me to contact the assigned local branch to my account, and that the local branch is powerless to help me. He told me there is nothing I can do.
I am in XXXX, XXXX for the indefinite future with no plans to come to XXXX until the pandemic is over or there is a vaccine available. The closest TD Bank branch is thousands of miles away from where I physically am right now.
I find this unacceptable. First of all, there is a once in 100 years pandemic right now. The epicenter of the pandemic is XXXX. It is unacceptable to demand that customers travel or step into a branch. I understand they want to verify that I am the one who opened the accounts, but there are other ways to do this. I offered to fax / e-mail a copy of my driver 's license / passport and other documents. I was also calling from the phone number on file, that I have had on file for many years. I informed the banker that I also received the e-mail notices on Sunday night from TD Bank that my initial deposits from my XXXX XXXX checking account had failed. This is the same e-mail address that I have used for many years.
TD Bank has on their web site and phone line that they are " XXXX XXXX XXXX XXXX XXXX '' as a tagline. There is absolutely nothing convenient about this situation and this is draining my time at a time when there are a lot of challenges and difficulties already.
-- I banked with TD in the past, and had an account in XXXX and XXXX with TD Bank.
In XXXX, my account number was : XXXX - TD Convenience Checking I opened that account on XX/XX/XXXX In XXXX, my account number was XXXX - TD Premier Opened on XX/XX/XXXX.
My phone numbers, e-mail address, and login are still the same as they were in XXXX.
-- I do not authorize TD Bank to hold on to my funds forthright. I am demanding that my money be returned to me either back to my original funding source at XXXX XXXX where the funds were originally transferred from or as a check to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I need my initial deposit ( s ) returned.
This is unacceptable that TD Bank is holding my funds hostage with no recourse and no resolution. Especially with everything happening right now with COVID-19. I am looking for a quick resolution to this problem with having my funds returned to me as soon as possible.
|
| 08/06/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I had purchased the XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, the dealership financed me through TD Auto Finance. I had also added GAP insurance for {$790.00}, which was also financed through TD. A week later after delivery of my XXXX, I decided I wanted to cancel the GAP insurance. I spoke with the dealership and they sent a cancellation form to TD. Dealership said I would see a return within the next few billing cycles.
My first paper statement came XX/XX/XXXX, due date XX/XX/XXXX, total amount due {$340.00}, I paid on XX/XX/XXXX.
My second paper statement came XX/XX/XXXX, due date XX/XX/XXXX, total amount due {$340.00}. I log into TD Auto Finance 's payment portal attempting to make a payment, but total amount due shows that I owe a {$0.00}. I check my payment history, and I see that a payment for {$790.00} was made XX/XX/XXXX, turns out TD Bank applied the GAP insurance refund towards a monthly payment. Since my balance was {$0.00}, I made no payment.
My third paper statement came XX/XX/XXXX, due date XX/XX/XXXX, this time on paper it says my total amount due was {$0.00}. The {$790.00} GAP insurance refund was still enough to cover payments for this months bill. And once again I logged into TD Auto Finance 's payment portal, and it says I have a {$0.00} balance. I made no payment.
My fourth paper statement came XX/XX/XXXX, due date XX/XX/XXXX, total amount due is {$240.00} which is {$100.00} lower than my original monthly payment amount of {$340.00}. The pro-rated amount makes sense, as TD is using the remaining of the GAP insurance refund on this statement as well. {$340.00} + {$340.00} + {$100.00} = {$790.00}.
Naturally, I see that I owe {$240.00} for the month so I log into the portal and pay.
My fifth paper statement came XX/XX/XXXX, due date XX/XX/XXXX, total amount due {$340.00}, I log into TD Auto Finance 's payment portal on XX/XX/XXXX to make my payment, I am now seeing that I am 60 days past due, and owe {$810.00}, my account is thrown in collections, and TD 's collections department will no help me or provide me with any reasoning. They tell me that this has all been reported to credit bureau, and to get out of collections I must satisfy the {$810.00}. I immediately pay it over the phone.
The next day, I am out of collections and can finally speak to a real TD Customer Service rep. I am told that the {$790.00} GAP insurance refund, automatically goes to monthly payments at first via an " automated system '', but then someone manually intervene to have that refund reversed and applied to my loan 's principal balance. My jaw dropped, and my argument was getting nowhere. The rep 's only excuse was, monthly statements are not accurate, and should not be used to determine your monthly payment, and neither should the online payment portal. This is the most asinine thing I have ever heard. All banks in the industry send out statements and you are expected to pay the amount due! It's completely non sense to say billing statements should not be used.
Moving on. I asked the rep where the communication was. Why wasn't I told about inaccurate billing statements after a refund has been initiated? Why wasn't I told about the GAP insurance refund being applied to principal? Why wasn't I told that my account was past due? Why wasn't I told 30 days late? Why wasn't I told that I was 60 days late? No calls, no letters, I verified my mailing address, I verified my phone number, they had everything.
So, here 's where the plot thickens. They normally do call, but they themselves didn't get notified that the account was past due because of their " automated system ''. The same automated system that generates the inaccurate billing statements, that they fault me for relying on, but don't fault themselves for relying on for not having to communicate with me about any of this.
On top of everything, I have made various calls back, to see if I can get a managers escalation, and they keep telling me someone will call me within 24 hours. I have yet to get a call back from anyone.
I am beyond furious ; my perfect credit score has plummeted 100 points because of TD 's non sense. Ive worked years on achieving a high credit score. This wasn't me trying to dodge my payments, I have money available to pay my bills on time. I forked over the {$810.00} in a heart beat to get my account in good standing. This bank is very deceitful, shows no sympathy, and very unwilling to help their customers. They are great at hiding information from you and bullying you.
I will attach all my statements proving everything.
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| 10/01/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2018, I and my XXXX y.o. son went to XXXX. It was our first trip out of country and first vacation ever. On XX/XX/XXXX we went to XXXX and had pre-rented scooters before sailing. The " shop '' was awful, one room, no air, no seats, there was a party of 4 ahead, and people had been before them. When we were finally served after 15 minutes, we had to wait longer for another scooter. After about 15 more minutes, it finally arrived. As we inspected the scooter and took pictures I noticed a problem with my ignition..it was " loose '', missing the casing it sits in. He showed us how to start/operate the bikes, and I could not start mine the normal way ... left hand brake engaged and start button with right hand ... he played around and discovered you had to hold BOTH brakes and push button at same time. This was very difficult and I'm not certain that I actually started it. At any rate, very hot, tired, hungry, thirsty and excited, we left. We stopped once and the bike wouldn't start. XXXX is very isolated but luckily someone came along and helped us start the bike. We stopped again and same thing, bike wouldn't start, had to get help. We tried calling the shop but no reception. We had only been out an hour but very frustrated we decided to go back to the shop and switch bikes. We had to drive non stop, high noon, no sunblock or hat, for almost an hour without stopping. When we got to the shop, exhausted, frustrated, I immediately started telling the owner about the problems, about breaking down, etc, and he grufly says, " you didn't get gas ''. I reiterate the problems and he just said " no gas, no deposit ''. So we drove off about 4 blocks away and I said, " it better start! ". Of course, it did not so I told my son to go back to the shop and get this guy! It was city like, one way streets and not a great area but we were stuck. A few minutes later, someone started me up and I went to the shop. To my horror, my son was not and had not been there! I panicked! My son was lost in a foreign country, bad neighborhood, no XXXX, I was freaking out!! The owner didn't seem to care, just kept telling people he had just gone to get gas!! I was cursing him out, saying it was " that crappy bike 's fault my sons lost! '' amoung other choice words. People werer gathering to help me, looking, driving around, I almost called the police. 10 minutes must have went by which felt like an eternity when your child is missing in a strange country! But he found his way back, the owner immediately started doing the paperwork, didn't offer a different bike but at that point, I was a wreck and wasn't even thinking of continuing our day. After some discussion, I realized that the owner was only returning my deposit, NOT the fee for the bike! I didn't want to argue, I was an emotional wreck after that whole nightmare, I just wanted to hold my son, go somewhere cool and have lunch and try to get back into vacation mode! When we got home, I called TDBank credit card, explained the whole story and said I wanted to dispute the {$60.00} charge as the bike was defective and we didn't get to " enjoy '' the service as we had to bring them back soon after we started. On XX/XX/XXXX and XX/XX/XXXX, I received identical letters from TDBank stating that " the merchant provided documentation that the services were provided ''. Both times I called and stated that I had thoroughly explained the story, crying at times, and that I was disputing the fee based on quality/defective services/product. On the second call into TDBank, I was told that I would need to provide " proof '' of what happened or they would not discharge it! I asked what proof I could have possibly gotten?? No answer. I asked sincerely, " what should I have done?? '' No answer. I again asked, literally, tell me what kind of proof you're asking for. No answer. I actually called back a few days later because I just couldn't beleive what I was hearing, and sure enough, they said the same thing ... I needed to provide proof. I asked all the same questions again and again got no response, just reading out of the book. I stated I would be filing a complaint with the state, as I felt this was an unrealistic and unachievable request and just an obstacle to not remove the charge. Classic unfair practice, and I asked for their response in writing and they refused. I argued, questioned and pushed back on this ... '' why can't they send in writing what they're telling me on the phone ''?? " Why can't you put it in writing ''?? And again, to no response other than from the handbook.
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| 06/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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I started a checking account with TD Bank in XXXX XXXX, VT in XXXX of XXXX. I needed a local branch since I moved from out of state. At first, I thought I was unaware of how this bank processed transactions but soon I started noticing a pattern of the bank doing one of many things. First example is I would send my landlord his rent payment early and he would deposit it. Each and every time that I wrote him a check, the check would go through the bank right before my ACH deposit from my employer by minutes. I contacted the bank and asked them to look into this on multiple occassions. I asked them for their help in understanding, I asked for proof of time stamps. No one would help me. This lead to my landlord ending my lease early and caused me to have to hire an attorney and lose my security deposit of {$3100.00}. This would continue, and again, at least once a month, I would call the local branch and the customer service line and no one would help me. I trusted what I was being told, that somehow this was my problem and then in the last two weeks I have evidence that proves that I am being charged constantly, basically every single day Overdraft fees while bank claims that the money isn't there, but it is. I got a paper letter in the mail in regards to an Overdraft of {$100.00}. on XX/XX/XXXX claiming that it was for transactions that did not clear my checking account on dates from XXXX, so I called the customer service line for the corporate office becuase of this. I asked the representative for the credit of the Overdraft fees becuase, on XX/XX/XXXX there was {$6200.00} in my attached savings account and an additional {$260.00} in my checking account. Also, on XX/XX/XXXX my employer ACH deposit of {$2900.00}. There was always a compensating balance in the positive between the two accounts. This goes on and on. There was a random {$25.00} service charge on XX/XX/XXXX that I have never incurred before and I still don't know what it was for even after asking the customer service representative. I deposited a check from my Mother in Law on XX/XX/XXXX in the amount of {$7500.00} that was supposed to be on hold according to the ATM slip for 1 business day, it was released to me on XX/XX/XXXX and showing that the funds were available so I started making the payments that I was supposed to use that money for and then the entire check without notice to me was placed on hold XX/XX/XXXX to then be released back into the account on XX/XX/XXXX. If you check my online activity now, the app and the online banking along with the print out shows it was all released on XX/XX/XXXX which I have screen shots of the activity for otherwise there wouldn't be any way to prove that. This is happening every day. I received overdrafts the last two days in a row and there isn't a thing on my account that shows what they are for. This has caused a plethora of issues for my credit, my household, my mental health, my relationships, and I have had to seek legal help on more than one occassion for the issues. I will be attaching every document that the bank would allow me to print and I will also upload the screen shots from the app that shows the deposit, release, and reheld funds. This is the biggest example of this. I am terrified that if this is happening to me, it is happening to many other consumers that use TD Bank. Please help me. To date the Overdraft fees just incurred from this bank are {$1600.00} and that is not including the statement that has not come out past the date of XX/XX/XXXX and it does not include my legal fees from the lease being broken over non-payment, the interest and fees from my creditors, and my XXXX score. WIth that alone, my credit score has dropped significantly. I had 3 credit cards that were not paid because of these returns and another that closed 2 accounts for returned payments. XXXX XXXX stated that TD claimed that the account was " unknown '' when it was the same account and routing number that was used to fund the account to begin with and nothin was ever changed with TD BANK or XXXX XXXX This financial institution needs a through investigation of its policies and who is making decisions for the customers. I have exhausted everything I can do to get them to help me and they will not. As everyone knows, with everything being electronic today and with direct deposits and bill pay, etc., changing banks is the last thing that I want to do. I was with my previous bank for many years. I also worked as an executive for a bank for multiple years and I have never seen anything like this.
|
| 07/14/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX, we opened a credit card line with XXXX/TD Bank ( XXXX. XXXX XXXX XXXX, NJ ). The plan was to pay off the balance, interest-free, by XX/XX/XXXX. We set up auto bill pay with slightly above the averaged amount owed. We never received e-statements, and we received a random paper statement once or twice a year. Periodically, the online system would n't work when we logged in, and we would be unable to view our statement. We called once, and a lady told us that they sent out paper statements when the online account was n't working. We did n't think much of it as we had figured out the monthly payment to get everything taken care of in good time. At the last statement received, we calculated the pay-off amount and made our final payment on XX/XX/XXXX. We miscalculated by {$.00}. On XX/XX/XXXX, a letter was mailed to our old address and forwarded to us. We had just moved that same month and did n't change our address with XXXX/TD Bank, because we thought we had paid off the balance. The letter was forwarded by USPS to us on XX/XX/XXXX, I believe, stated that we owed {$91.00}. The due date was XX/XX/XXXX, by the way. We called and requested a bill from XX/XX/XXXX, since that would have been the next month after our last payment. It just arrived today, and it showed {$.00} plus a {$27.00} late fee from XX/XX/XXXX payment. I called and talked with XXXX ( sp? ), who told me that the payment in XX/XX/XXXX was late ( though bill pay had never paid a late fee in four years! ). He told me that he could n't resolve the other fees, and I would have to talk to someone else. I spoke with XXXX ( agent XXXX - I swear I thought he said " XXXX '' when he answered the phone ), and he told me that they were sending us e-statements to our email address on file. We have every email from them - totaling ONE that they sent us the month after we opened the account in XX/XX/XXXX!. I asked him to check and let me know which email address they were using, and he put me on hold. After a few minutes, he came back on and told me that someone deleted the email address from our online account and requested paper statements, so he could n't tell me what email address was on our account. I asked him why we were n't receiving paper statements consistently ( we would randomly get one or two a year ). He told me they never got returned emails or paper bills so I had to be getting them. I told him that the lack of returned mail does n't mean they sent it, and I asked him why someone would make monthly payments for four years and suddenly disregard {$.00} and rack up a bill. He told me that the fees were legitimate, and I owed them. Now, I have many questions : 1. Why would bill pay take care of every single payment on time for four years ( for this company and every other we 've set it up for ) and suddenly pay it late when it means I am about to go outside my free interest period and start racking up crazy interest? 2. Why could I get a bill that has three months of late fees but not get a monthly bill immediately after I " miss '' a payment? 3. Why could XXXX not tell me what email address was associated with our account? Telling me that it was " turned off by someone '' does n't mean that it disappears from their records - they surely know everything about me! 4. Why would XXXX tell me they have been sending me emails and then tell me they do n't have an email when I press him to tell me what address they were using? 5. Why would XXXX tell me someone JUST ( with an emphasis on " just '' ) made that email change to our account when I pressed him. If that is the case, there would be a digital record of four years of emails, right? Moreover, this email account has been the ONLY email account for all of our bills for nearly 20 years. 6. As I stated earlier, why would we pay four years of bills on time and just suddenly stop paying attention to {$.00} and a late fee of {$27.00}? 7. Why is this, as XXXX said, a bunch of legitimate fees? How can they keep charging me without billing me? 8. The collection letter says that " we have attempted to contact you on several occasions. '' We do n't have a single voicemail from them. If they saw that the email was n't there, why did n't someone call if they really wanted their money? Maybe they were willing to wait and try to get more? This sounds like I am getting robbed, and I think it is unconscionable what XXXX is doing. This was the same account for which we were charged a " hidden fee '' and TD was forced to pay us and others back a year or two ago.
|
| 11/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
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On XXXX of XXXX I received a call from a man stating that he was from XXXX XXXX XXXX, and that I had a balance owed of {$2100.00} due to TD Bank, I told him that I never had an account with TD Bank I had no Idea who they were, he said that they were Target. I have never had a store account with them and I am sure it can be verified through records of accounts, email address and home address.
I told him that a few months before I was getting calls from an agency with the same information on me but for XXXX XXXX and they had no account for me. I told him that a long time a go I have ID theft and this could possibly tie. Especially since the persons address was close to mine and I had XXXX adults and XXXX XXXX renting from me at the time. I needed to see details pertaining to the account.
He said that he would send me documents and fraud paperwork. I told him that I was in Az at the time ( Dad XXXX XXXX I gave him 2 addresses to send the documents too as well as sent an email on XX/XX/XXXX that I would take them via email.
I never received the documents and did not return home to find any documents here. I did not have all the information down since I was on the road ; so I checked my credit and I did not find any accounts, and assumed it was fraud like the XXXX XXXX and other accounts.
XX/XX/XXXX I logged into my personal checking account and they had garnished me for over {$700.00} and then my bank charged me a fee of {$100.00}. I was flabbergasted since I knew I did not have any Judgments ; I called my bank they gave me the details and I called and spoke with XXXX, he advised me that he does see my notes of Dispute and that it should have been resolved back then, he advised me that the account would be put under review and he would send me documents in a few weeks. I told him that was my housing money and that it was going to really put me in a bad situation. He said that they would release since this was a disputed account.
I asked how they obtained the garnishment and he advised me that I had a default t judgment that was served to me by XXXX XXXX XXXX XXXX number disconnected. on XX/XX/XXXX and ten said XX/XX/XXXX ; either way I was not in the state at that time, It was a holiday weekend and I was in Arizona with my Family. I advised him that and he said that he would not know about the servicing.
I expressed my concern to XXXX about my account and how I was self employed and that was all the money I had for food, rent and gas. He said that they will release it and that my account would not be garnished again.
I kept my account open as i have too ; I live in the mountains and no banks to pull cash are near me, I went to get groceries after driving an hour to the store to find my account was garnished again. But because i only had {$290.00} in there they did not get much but my bank again took another {$100.00} fee. I called again spoke with someone else and they said that they would have someone call me and I have not heard from them again.
1- I do not have an account never had account with TD bank or Target I don't even live any where near a target maybe XXXX miles?
2-I do not know who TD Bank is and if they have a Legal Right to Collect this Debt. I need to see the Contract/Bill of Sale along with my Signatures that created this debt.
3-No letter was ever received about this debt giving me my right to dispute with in the time frame the FDCPA allows.
4-I was never PROPERLY SERVED therefore I never received my right to Respond.
5-When someone called me in XXXX of XXXX they were aware that the account was already a Judgment and failed to inform me of important information, that has now compromised my living, eating and ability to get to work.
6-I requested documents on the judgment, service and was never provided the documents.
7-They Misled, lied and continued to try and garnish me after they were aware of the dispute and the improper service.
8-I never received any notice to cure, or intent to garnish. If I had known about any of this I would have responded with my dispute.
9-The address they claim to have on file until they skipped the account was an address I have never lived at, a email address I have never had and a bank account I have never used, nor had.
I called the court and they advised me the Sherriff of XXXX XXXX served me at XXXX however they could not provide me any documents without paying for them and since my account was just garnished I could not afford to pay for them. There is no signature on acceptance of service!
|
| 06/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
This complaint is regarding a dispute case that was mishandled by the TD bank team on two occasions. I opened an initial case with TD bank on XXXX XX/XX/2022 which was one day from the incident date of XXXX XX/XX/2022. This case was regarding ATM withdrawals at the bank name XXXX XXXX based in XXXX XXXX, XXXX. On XXXX XXXX while making three separate withdrawals, the ATM did not dispense two of the withdrawals on that day of {$250.00} USD each, totaling {$500.00}. The initial case number XXXX was denied by my bank claiming they received the documents from the local bank showing the ATM balance for the day was correct, which was false. Based on the advice of TD bank supervisor, I filed a report with a local institution in charge of such cases called the XXXX XXXX in XXXX, which gave TD bank permission to view XXXX cameras. This report was filed on XXXX XX/XX/2022 which was the same day I opened the second dispute to recover my funds, case number XXXX. Since that day, I faxed additional explanations of the situation to the disputes team on the number provided by TD bank support - XXXX XXXX. I regularly was following up on this case for the past two months. The representatives assured me that the case is in progress and I should await the update. No one from the customer service was able to provide me with any detailed information on the case status and I spent hours on the calls with TD support. The disputes department was only reachable by FAX and I was never able to speak with them directly. What is more, none of the TD bank representatives was able to contact them directly either. There was no one to help me. I asked multiple times if TD bank reviewed the XXXX cameras of my withdrawals which were meant to be provided by the local bank. A number of calls later, two months passed, and during a call on XXXX XX/XX/2022, the supervisor informed me that this case was closed on XXXX XX/XX/2022 which was 3 days from the day it was opened. The local bank had all information available to provide to TD bank to resolve the case in my favor and I received a confirmation from the local branch manager confirming the funds should be returned to me. But the case was closed two months ago in XXXX and no one from TD team informed me about it during a two-month period. I was often provided with conflicting information and excuses. It took a lot of effort to obtain the local report of ATM fraud which I did base on the recommendation of TD bank representatives. During the call on XXXX XX/XX/2022, I was advised that I will have to recover my funds from the merchant ( the local bank ) myself, as TD no longer is investigating my case. The local bank, however, claims the funds will be returned by TD, which is no longer the case. In that time, I received no letter from TD bank stating a resolution to my case. They made false claims they posted a letter at the end of XXXX. The letter never arrived. I asked them to fax me the letter which they said they can not do and I have to go to a local branch which I am unable to do since I am traveling in XXXX right now. TD bank not only wasted almost 4 months of my time ( as the initial claim was opened on XXXX of XXXX ), but by totally mishandling the case they also affected my ability to try to recover the funds locally. They also refused to open a new case regarding this despite the local bank offering updated information. They showed no regard for me as a customer or my funds. They are taking zero responsibility at mishandling my case which resulted in a loss of {$500.00} USD. On top of {$500.00} USD, TD bank also took out an additional {$6.00} in local ATM fees, which according to the terms of my Checking account should be always refunded to me. They not only mishandled the investigation and closed it three days after it was opened without any notification sent to me, but also took the {$6.00} in addition, profiting further from my misfortune. I request that TD bank re-opens my case and reimburse my funds. I filed an internal complaint with TD regarding this and upon asking how this will benefit me, I was told that after the investigation, I will receive a letter of apology. This is truly unacceptable after banking with them for almost 4 years. Apart from re-opening my dispute case, I truly believe that TD bank owes me additional compensation for mishandling the dispute on two separate occasions, misinforming me through the process, wasting my time during the calls, and further undermining my ability to recover any funds at all at this point.
|
| 10/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
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My problem started today XX/XX/18 at around XXXX in which a tried to make a purchase of {$2.00} at a cafe inside my employer offices. Upon presenting my Debit Card ending in # XXXX to the cashier, I received a DECLINED transaction from the cashier. Upon facing the embarrassment in front of all my senior management staff. I just left and headed to my meeting, skipping lunch. While waiting to my meeting i called using my personal Cell Phone to call TD Bank from withing the Bank 's own APP. I got to speaking with the agent within a minute since i used the APP to get in contact with Customer Service. Upon starting my conversation with the agent the agent asked me my name and address. I complied, I told the agent right away what seemed to be wrong with my account and why my card was declined. upon being put on a short hold. She comes back and starts to ask me additional questions, in which i responded what is this for? i looked at my phone and stated a have to go, I'll call back later, I have to take another call. The other call was from my coworkers at the meeting asking where was I.
I left my job at around XXXX and immediately call TD Bank again from my phone from within the APP. Again started speaking with an agent in which after a brief conversation and a guess verification came back and stated that my account was locked and that I needed to go to a Branch to resolve my matter and security protection. I got even more upset then I have already have been all day because of not been able to use my card all day. I asked to speak with a manager that could handle the situation. After a hold of about ten minutes a XXXX XXXX, supposedly from the CUSTOMER ESCALATIONS DEPT. started to assist me, asked me for my name and address and asked me if a was on a speaker phone in which i stated i was and changed to to the actual phone instead. I provided the story AGAIN for THIRD TIME.after being put on hold for a while, in which I also stated the reasons why I could not go to a branch would be a solution to fix the problem now or possible in the future because my work hours were no allowing me to to a branch. ( I work six days a week from XXXX to XXXX with a half hour lunch and the nearest branch from my job is about 2 miles away in which i would not have the time. That info is for FYI purposes. ) By this time i have completely lost my patience as i have been pulled over on the said of the road and almost a hour into this conversation with no resolution. a simple problem became an argument with absolutely no resolution I asking XXXX XXXX if he was from the Customer Escalations in which he kept denying and I kept getting even more upset. I explained that I going to file and escalate this to this department and TD Bank 's Chaiman Services.
Now while being pulled over on the side of the road my Car eventually ran out of gas and now I have to call XXXX and wait for them respond to my call of assistance to bring gas because I had ran out and my car would not start.
While now waiting for XXXX, Not having access to my account all day, not being able to eat lunch or dinner, being on the a side street pulled over and ALSO out of gas thanks to TD BANK. I decided to give TD Bank another call to see if speaking with someone else would provide a better resolution.
I called spoke with another agent and went through the process again for a fourth time now. The agent then transferred my to speak with her manager XXXX a Manager from the XXXX XXXX Call Center in New Jersey. She was the most helpful person I dealt with all throughout this process. Even though she was not able to correct my problem, she presented other options to help me, EVEN THOUGH NONE OF THEM CORRECTED MY SITUATION RIGHT AWAY. One option was to send a secure message from within the APP in which I did and as of me writing this complaint I still have not received any answer from the ONLINE SECURE MESSAGE DEPT.
I want to understand how is it possible that a member of management can not send an email or instant message to a department that are within the same building and work for the same company ....
I told the manager that i was going to file this complaint with you and TD Banks Charman Services.
I want a full explanation of the handling of my situation.
Also as an FYI .... XXXX did not arrive to my location until XXXX and a got home at XXXXt ... .. Completely utterly disgusted with the bank on which supposedly stride themselves on " Legendary Customer Service '' Thank You.
XXXX XXXX XXXX Disgusted TD Bank Customer
|
| 08/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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BEING XXXX PARTNERED WITH TD BANKS THEY BOTH ARE IN VIOLATION OF THE POLICY THEY HAVE ERRORS ON MY ACCOUNT WHERE THEY HAVE CREATED CHARGEBACKS ON MY ACCOUNT WITHOUT MY PERMISSION .AND THEY NEED TO CORRECT THAT AND GIVE PROGRESSION THEIR MONEY BACK BECASUSE THEY WILL NOT ALLOW ME TO SPEAK TO ANYONE AND I DONT KNOW WHAT TO DO... I WAS TOLD TO GO TO MY LOCAL BANK BUY A RUDE XXXX XXXXXXXX XXXX VICE PRESIDENT STORE MANAGER TOLD ME THAT I HAD NO BUSINESS IN THIS BANK AND I NEEDED TO GO TO THE BANK IN XXXX WHEN I AM CLOSER TO THE BANK DOWNTOWN XXXX, S C AND HE WANTED ME TO DRIVE 20 MILES OUT OF MY WAY, BECAUSE THE REPS IN XXXXXXXX XXXX I HAD SPOKEN WITH NAME XXXX XXXX TOLD HIM THAT I WAS GOING TO THAT ONE BECASUE I HAD NO GAS BECAUSE TD BANKS HAS ALLOWED XXXX TO BE STOLEN FROM MY ACCOUNT AND HAS NOT GAVE ME NOT 1 PROVISIONAL CREDIT AND I FEEL I AM BEING BULLIED BY A BANK AND A CREDIT CARD COMPANTY, HE SAW THAT I WAS A XXXX MALE AND RACIALLY PROFILED ME JUST AS EACH ONE OF THE BANKS HAVE DONE IN XXXX SC WITH NO MORE THAN 2 XXXX BANKERS XXXX AT THE 4 BANKS I HAVE VISITED IS SAD THAT TD BANKS WOULD ALLOW SUCH A THING TO HAPPEN ... .OR BECAUSE THE XXXX BANKER NOTIFIED HIM HOW I LOOK AND HE WAS PREPARED TO MAKE SUFFER BECAUSE OF AN ISSUE WHERE TD BANKS GAVE A CUSTOMER ALL MY INFO ON XX/XX/XXXX AND NOT SURE HOW MANY TIMES BEFORE THAT THEY HAD SPOKEN TO A CUSTOMER ABOUT MY ACCOUNT ANDI HAVE PROOF IF SOMEONE CAN JUST LISTEN TO THE CALL ON XX/XX/XXXX WHEN I CALLED AND REP TOLDME THAT THEY HAD JUST SPOKEN WITH ME 3 TIMES PRIOR TO ME CALLING BUT I DIDNT CALL NOT 1 TIME THAT DAY UNTIL THIS FRAUD CHECKS SHOWED UP ON MY ACCOUNT ..YET XXXX OFFERS XXXX LIABLILITY POLCY BUT TD BANKS IS THERE TO UNOFFER AN VIOLATE THE TERMS OF THE POLICY AND XXXX IS THERE TO ACT LIKE THEY ARE THEY ANGELS BUT THEY TEAMED UP WITH A BANK THAT DOESNT FOLLOW POLICY SO THEY ARE STILL NOT FOLLOWING POLICY AND THEY NEED TO BE FINED ALL OF THE ISSUES THEY HAVE CAUSED CUSTOMERS SUCH AS MYSELF BY NOT GIVING THE PRVISIONAL CREDIT THEY ARE SUPPSOED TO GIVE NOR WHICH IS NOT FOLLOWING POLCY CAUSENG CUSTOMERS SUCH AS MY SELF TO GO BANKRUPT WITHING A SHORT AMOUT OF TIME THEY ARE USING T ALLOWED, AND THAT XXXX HAD REPEATED EVERYTHING I TOLD THEM AND HE WAS NOT HAPPY ABOUT A XXXX MALE WALKING INTO OUR DOWNTOWN BANK TO CORRECT A SITUATION, THE CUSTOMER SERVICE DEPT SAID THAT WAS THE ONLY WAY THEY COULD ALLOW ME TO CALL AND GET INFO OUT OF MY ACCOUNT WAS FROM ME GOING TO A BANK TO GET VERFIICATION YET THIS VICE PRESIDENT REFUSED TO SERVICE ME AS IF IT WAS SEPARATE WATER FOUNTAINS ONE FOR XXXX AND ONE FOR XXXX AND ITS SAD THAT TD BANKS WOULD ALLOW A MAN LIKE THIS TO BE INVOLVED WITH A BANK THAT IS ASSISTED BY XXXX, WHICH XXXX OFFERS A XXXX LIABILITY POLICY WHICH IS SUPPOSED ALLOW CUSTOMERS NOT TO BE RESPONSIBLE FOR UNAUTHORIZED CHARGES BUT WHEN YOU HAVE BULLIES LIKE XXXX XXXX WHO WANT EVEN ALLOW A CUSTOMER TO VERIFY HIMSELF TO SPEAK TO A CUSTOMER SERVICE ABOUT MONEY THAT WAS STOLEN FROM HIM WHICH IS CAUSING ME TO LOSE MY FAMILY HOUSE AND CAR, TD BANKS HAS NOT ALLOWED ME NOT ONE PROVISIONAL CREDIT NOR HAVE THEY EVEN LOOKED AT CAMERA FOOTAGE AFTER A INCIDENT REPORT WAS MADE AND THEIR EXCUSE WAS BECAUSE SOMEONE KNEW THE PIN NUMBER WHICH WAS MY BIRTHDAY AND I HAVE BEEN USING ALL MY LIFE JUST LIKE EVERYONE ELSE THAT GREW UP AND HAD A MOTHER AND YOU HAVE SOCIAL MEDIA GIVE OUT YOUR BIRTHDAY AND MANY MORE NOT UNTIL XXXX WOKE ME UP FROM USING BIRTDAYS AS PINS CAUSE THEY DONT ALLOW IT OR IT COULD HAVE BEEN ON XX/XX/XXXX WHEN TD BANKS TOLD ME THEY GAVE A CUSTOMER ALL MY INFO WHOM THEY THOUGHT WAS ME 3 TIMES IN A ROW, AND IT CAN BE HEARD ON THEIR RECORDED LINE, AND BEING MY CARD AND WALLET WAS STOLEN AN THEY POSTED THESE MOBILE DEPOSITS THEY COUDL TRACK IP ADDRESS AND FIND OUT WHAT THEY NEED BUT THEY DENIED ME WITHOUT GOING THROUGH THE NECESSARY ROUTES THEY WERE SUPPOSED TO TAKE INSTEAD THEY DENY ME AND USE AN EXCUSE BECASUE THEY KNEW THE PIN YET HACKERS HAVE ALL KINDS OF WAYS OF GETTING INFORMATION FROM A CUSTOMER OR BUSINESS, BUT MY GUESS WAS THEM JUST NOT VERIFING MY INFO AND GIVING THE SOMEONE ALL MY INFO BECASUE IF A REP TOLD ME I HAD JUST CALLED 3 TIMES BEFORE AND I TELL HER THAT WAS NOT ME AND THEY IGNORE I CAN IMAGINE HOW MANY TIMES THEY HAVE DONE IT BEFOR E AND THEY GAVE THEM ALL MY INFO SUCCESSUFLLY... .THOSE BANKERS NEED TO BE DEMOTED FOR THEIR ASSITANCE IN PREVENTING ME FRO GETTING ATLEAST PROVIOSIONAL CREDIT... THEY ARE OVER 20 SOMETHIGN DAYS AND THEY HAVE THEM BOTH OPEN AND THAT IS NOT RIGHT
|
| 06/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX TD Auto Fraud Department XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX refuse to provide last name XXXX XXXX, NY XXXX XXXX XXXX, Finance Manager XXXX Fraudulent / Altered Loan Application I am reaching out to your department because I have exhausted every attempt to reach an agreement with either XXXX XXXX XXXX to Flat Cancel a car loan or with TD Bank Auto Fraud Department to Revoke the car loan which both business are very much aware was acquired with a fraudulent and altered application.
Before I became aware of the Altered loan application. Just by chance I first became aware that an additional {$12000.00} plus dollars amount that was added to the price of the vehicle of {$42000.00} to finance the loan, had nothing to do with the explanation ( XXXX XXXX XXXX XXXX ) gave me XXXX XX/XX/2022 when I asked him for a dollar amount breakdown as to why the loan had increased by so much. His explanation was that that additional {$12000.00} was in relation to the taxes, car insurance, and loan finance when in reality the additional {$12.00} XXXX plus dollars were added dealer fees.
After I exposed XXXX and the dealer of their failures of full disclosure and lies, and in addition to the more serious situation I have also become aware that they presented a Fraudulent / Altered loan application to obtain the loan in my name.
XXXX XXXX asked me to come back to the Dealership on XX/XX/2022, that they would Flat Cancel the car loan. However, they lied again. When I visited, they wanted me to sign a non-dispute loan form. Which I refused.
After XXXX refused to Flat Cancel the Fraudulent loan. I called TD Bank Financing Fraud Department on XX/XX/2022. I communicated with a XXXX XXXX XXXX he refused to provide his last name ) I informed him that they needed to Revoke a car loan contract assigned to them by XXXX XXXX XXXX under my name, for the reason that I discovered that the loan application presented by XXXX XXXX has been altered by them.
After a few backs and forth phone calls, between XXXX XXXX and myself. He informed me that it would take over two weeks to clear the loan issue because he would need to contact the officer who deals with that area. However, to my surprise he called me back 20 minutes later from a different phone number to inform me that he had talked to the XXXX XXXX XXXX or XXXX and that XXXX had agreed to process the Flat Cancel loan and it would take about two days to process. The Flat Cancel loan was never processed.
I called back XXXX XXXX on XX/XX/2022 and questioned him as to why the cancel loan was never processed. I also did address that as a banker he must be aware that altering a credit application is a crime which should be sufficient reason to Revoke the car loan and that I refused to take any part of it and want out of this loan transaction.
XXXX XXXX became defensive and hostile and denied that he previously spoke with the XXXX or XXXX. He then responded I am done I can not help you and hung up the phone.
( Just want to add that during our conversations he called me from two different numbers which I found suspicious. 1st from the fraud dept no. XXXX, then he call me back from a 2nd no. XXXX ) I accidentally discover the altered fraudulent application when I called TD Auto Loan Customer service and requested a copy of the loan application because XXXX the finance manager, never supply me with a copy. The salary on the application was listed as {$84000.00} yearly when I clearly informed him twice that I was retire with a set income of {$33.00}, XXXX yearly. I was also never asked for any proof of the income.
Hopefully, you can assist me in resolving this matter. The car has been parked and not being used since XX/XX/2022. All of the above took place between XX/XX/2022 the first time I picked up the Vehicle and XX/XX/2022, the 2nd time I pick up the vehicle again because the Police ordered them to return it back to me because they had confiscated the vehicle without authorization during my visit to their dealership on XX/XX/2022.
I have sent emails complaints to TD Bank customer Service and have sent Certify return receipt mail to XXXX XXXX. No one has responded to correct the crime committed.
I have various PDF files noting in more detail the various back-and-forth conversations with TD Bank, and XXXX certified if needed.
I am hoping you can help me or at least direct me to the correct department that could assist me.
Thanking You in Advance for your Assistance
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| 08/11/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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On XX/XX/2022 I, XXXX XXXX, a XXXX XXXX, went into the TD Bank branch on XXXX XXXX XXXX in XXXXXXXX XXXX and deposited cashier 's checks from my own accounts at XXXX for {$220000.00} and {$10000.00}. At the same time, I then wired {$230000.00} to scammers through XXXX XXXX in XXXX
I was somehow convinced by the scammers that I needed to wire her life savings to them. I tried from my first bank, XXXX, and they blocked it. But then the scammers convinced me to move my money to my other bank ( TD ) and wire it from there.
My XXXX XXXX XXXX, spoke to the teller who " helped '' me at TD Bank and asked ( D = XXXX, my son, TD = XXXX, the teller at TD ) : D : So now, my questions to you are : So what questions did you ask my XXXX before you transfer this money?
TD : What questions I asked her? Who was the beneficiary? What was the purpose behind doing the transfer?
D : Well, what were her answers?
TD : All the information is on the wire transfer, I can bring it up.
D : That would be great, could you do that?
TD : Okay, so she's [ trading? ] to a XXXX XXXX XXXX XXXX : Right. And then you... So all you asked her is where she sent it to which is XXXX XXXX, which obviously she brought to you in the first place - we've established that. And what else did you ask her?
TD : How much she wanted to send.
D : Okay. Anything else?
TD : Not off the top of my head.
...
D : You didn't ask her if someone was telling her to do this?
TD : No.
...
D : The other question too, is that she brought cashiers checks in from XXXX XXXX XXXXXXXX, deposited them in the account and then immediately wired it out. Did you ask her why she didn't transfer it from XXXX XXXX XXXX, why she brought it to TD?
TD : I did not.
D : That didn't raise any alarm bells for you that she brought it from XXXX XXXX XXXX to TD and immediately wired it out?
TD : It did not.
This is the problem. The bank should have known about these scams and should have asked questions about what was going on. This should have readied red flags immediately. Any easy question would have been, " Why didn't you just wire the money from the other bank, instead of bringing it here to wire? '' Or : " Did someone tell you not to talk about why you are transferring this money? '' Once realizing I had been scammed, I called TD 's 800 customer service and was told I had to go into my local branch, as the 800 service reps told me that they would not assist me. However, since this was a Saturday ( the Saturday following the transfer ), the branch would only open on Monday morning. This prevented any potential actions from being taken by TD that could have recalled the wire transfer in a timely fashion.
At the branch over the next few days, I spoke with the manager XXXX, and tried to allow my son to have access to this situation with the bank, however, TD actively denied my son from assisting. They wanted him to go into a TD branch to verify himself, however since he lives in XXXX this was not possible. He even provided a power of attorney form to them, with myself verifying it was valid, however again, XXXX rejected it. XXXX then said she would look into other possibilities of how to get my son on the account/investigation, but never followed up or provided any further information.
These actions are inexcusable on the part of the bank : not asking the appropriate questions to XXXX XXXX before the transfer not blocking the transfer not providing assistance when calling the 800 number requiring us to wait 2 additional days to get help by waiting until the branch was open the manager of the branch denying allowing my son to assist and rejecting the power of attorney the manager of the branch not following up ( with repeating requests to do so ) Please help hold the bank accountable for their actions and non-actions in this situation. As per guidance on your site, they are supposed to be asking seniors questions about wire transfers and money movements like this.
I am happy to provide more information, etc. My son also happens to have a recording of the conversation with the local bank branch teller in which he admits he did nothing in terms of vetting the translation as required.
Note that a police report was filed with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is assigned to the case ( XXXX ).
I have attached the original wire transfer forms as provided by TD, as well as the fraud form completed at TD once they allowed me to file it in their branch.
Thank you.
|
| 12/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
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|
Web |
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On XX/XX/2018 a little after XXXX on a Sunday I went to Td bank located on XXXX and XXXX XXXX in XXXX XXXX XXXX, NY to deposit money into my checkings account. I used the very first machine closest to the entrance. At first, I deposited {$12.00} into my checkings account which went through. After, that I then deposited {$200.00} into the machine. I noticed that when the machine took my money it started to make a weird sound that I had never heard before but I didn't think much of that but a couple seconds later the screen didn't show my balance which it usually does after I put money into my account so I started to worry. The machine then read " please call a td bank representative '' and immediately the main screen returned. I did not receive a receipt or my debt card back so I panicked and immediately called a td bank representative. I made sure that I stayed in the bank while I was on the phone with her because I didn't want someone else to use the machine and for my money to still be in the machine when it opened. A gentleman came in and I asked him if he could use the first machine so I could make sure that my money wasn't still there lingering around and it wasn't there. While on the phone the lady told me to stay calm and she asked me to explain everything that happened which I did. She told me that I could either file a dispute over the phone with her or I could wait until the next day and file a dispute with a td bank agent in person at the same branch. I told her that i would prefer to file the dispute in person because i wanted to get my debit card since the machine ate it and i also wanted to show them which machine ate my money and card. The next day which was a Monday i went back to Td bank on XXXX and XXXX around XXXX a clock. While there I spoke with a young lady named XXXX and I explained everything that happened the day before to her. She asked what machine I used and how much money was put into the machine and when I told her she explained to me that since the amount of money was larger than {$100.00} I would not be able to get my money and I would have to wait 10 business days for a different department to do an investigation and check the cameras. I was upset because to me that was unfair to have to wait so long for my money but I waited 10 business days. On the tenth business day I checked my account to see if my money was returned to my account and to my surprise there was only {$1.00} added to my account which said " final atm debited '' next to the amount of money. I immediately called a td bank representative which was around XXXX XXXX on a Friday night XX/XX/2018. I asked the representative why I was only debited {$1.00} because the machine stole {$200.00} from me and she said that she didn't know so I asked to speak with a supervisor instead. I asked the supervisor why I wasn't debited back my money and she said to me " actually ms you were debited your money, according to the cameras you only put {$1.00} in the machine. '' I explained to her that that is not true however, she kept repeating the same thing to me. She then went on and told me that the same thing has happened to her before and that even more money was taken from her which I found to be unprofessional and not sympathetic of her at especially as a supervisor. I asked her if they really checked all the cameras thoroughly then how it is that I wasn't given all of my money no where near half of it. She asked me if I wanted to put another dispute in and I said yes. So now i have to wait another 10 business days which is very very frustrating and unprofessional on Td banks part. I even called the td bank branch where my money was stolen by the machine the next day to explain to them what happened when I spoke on the phone with the supervisor at the call canter and the gentleman told me that honestly there was nothing he could do to help me and further. So I was advised to call the comptroller of currency to resolve this situation however, when I called them they told me that they also couldn't help me and told me to write a letter to the complaint consumer financial protection bureau which I am doing now. I really hope that someone can help me because this situation is very unfair and I don't feel like Td bank is really doing their job and checking the cameras or the atm machine like they claim they did. After this situation is resolved I will no longer be a Td bank member and I have been with them for about XXXX years.
|
| 04/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
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|
Dear XXXX XXXX, I am reaching out to you both because I need your help!
I have recently experienced a traumatic and awful experience as a customer at TD Bank. On the evening of XX/XX/2023 I realized my debit card ending in XXXX was not in my possession because I received an email from TD Bank thanking me for linking my account to a XXXX XXXX account of which I don't have nor did I ever have. This email prompted me to look at my app on my iphone to see if my account was intact and to my horror it was not. I witnessed numerous charges from XX/XX/XXXX to XX/XX/XXXX that were not my charges.
I called TD Bank right away and informed them that my card was not in my possession and please block the card.
The next morning I went to the bank to prompt an investigation into the matter. The investigation was started by XXXX XXXX XXXX cost center XXXX as we went over all the charges I informed XXXX XXXX some of my charges were included within the total and we began working on separating my charges from the fraudulent charges and came up with a total of {$1500.00}. I was then informed by XXXX XXXX to contact in a few days as the protocol was to allow all the charges to be cleared before anything could be done.
In the process I kept monitoring my account in hopes that the fraudulent charges were in fact cleared as per XXXX XXXX and in doing so I did notice a few charges of mine were mixed in and confirmed the real total due back to me was in fact XXXX.
I reached back out to XXXX XXXX to no avail therefore I went back into the bank and XXXX XXXX was on a call so I spoke to two of her colleagues and they informed me that my investigation was denied. I was in shock then and I am in shock now at the lack of support from TD Bank in this regard. I am also dismayed by the denial of the investigation because it has resulted in me experiencing a financial loss that I had nothing to do with at all. I have not been made whole and I honestly believe TD Bank doesn't care.
I was informed to submit to another investigation however it was not guaranteed I will be made whole as they had no control of the outcome. I was treated as if I were a criminal even though I took the financial loss with no assistance whatsoever from the TD Bank. Please note this is not the first time I was treated as such. Prior to these recent fraud charges incurred on my account I have experienced this twice before and both times I was treated as a criminal where I was forced to file a police report even though the bank alerted me to the fraudulent activity. In this particular instance I tried to use my debit card and it was blocked without my knowledge. I went to the bank to find out what was going on and they informed me that they noticed some charges that did not coincide with my normal activities and yet they treated me as if I were a criminal when I tried to get my money back. Somehow someone was able to use my card even though I had my card in my possession and I was at work in XXXX and all the charges were in New Jersey. The second time this happened I lost my card while shopping at XXXX in XXXX and didn't realize I lost it until I got home. Immediately I went to the bank to have them block the card, while I was actually at the bank charges were being incurred in real time, yet I was treated as a criminal in that instance as well. I was not made whole in this instance until about 6 months after the incident because for some reason I was sent a survey on my experience and I really let them know about my experience and then and only then I was made whole. This time is a bit different because it is the most amount of money I have ever been robbed of and my bank did not protect me at all. Just as other banks, TD Bank should always honor their customers when it comes to any fraudulent charges the customer may experience, especially knowing how prevalent and chronic fraud has become. To make customers feel like they are not regarded, protected or believed is such a red flag in customer service especially for me who is a long time customer with TD Bank.
I am hoping you all will be able to assist me with this awful situation I find myself in. I am truly hoping you both will be able to assist me with having my money returned to me as I feel all alone at this point without any support from my own financial institution.
I look forward to hearing from one of you, if not both as soon as possible.
Kindest regards, XXXX XXXX XXXX XXXX
|
| 09/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I signed up to a 30 day trial subscription to a newspaper called XXXX XXXX using my Target MasterCard. This trial month ended Tuesday XX/XX/XXXX, XXXX the day after XXXX XXXX. I wanted to be sure to cancel my trial subscription before XX/XX/XXXX in order to avoid being billed {$79.00} for a newspaper that I didnt want to continue getting. I went to the XXXX XXXX website on XX/XX/2020 to cancel my trial subscription. When I tried to cancel on their website it said call to cancel. I then called them at XXXX XXXX PST on XX/XX/2020 but no one answered and, conveniently, there was no option to leave a voicemail! Because of this I then sent a cancellation email to XXXX to inform them I wanted to cancel. I did this because I couldnt leave a message and if they didnt have someone answering calls on Sunday afternoon it was highly unlikely anyone would answer their phone on Monday, XX/XX/XXXX which was a holiday- XXXX XXXX. I received an automated confirmation email from them the same day XX/XX/2020 confirming they received my cancellation email.
However, on Wednesday XX/XX/2020 I incurred a charge on my Target MasterCard for {$79.00} from XXXX XXXX. The next day, Thursday XX/XX/2020 at XXXX PST I called XXXX XXXX to confirm my cancellation and the employee I talked to told me it was too late to cancel my trial subscription but if I couldnt afford the subscription they had payment plans! I told her I did t want a payment plan and that I emailed to cancel on the XXXX of XXXX. She told me she would take my word that I emailed in and cancel my subscription. No need to take my word- they emailed confirmation they received my email from XX/XX/2020!
On Tuesday XX/XX/2020 at XXXX PST I received a call from XXXX from XXXX XXXX wanting to discuss my subscription. I looked at my Target card account and the {$79.00} charge from XXXX XXXX was still there! The lady I spoke with on XX/XX/XXXX hadnt removed it as she said she would.
At this time, rather than calling XXXX again, I contacted Target card services to file a dispute. The gentleman I spoke to took down my name and information pertaining to the dispute and told me someone from the disputes department would be contacting me. In the next few weeks after that reps from XXXX XXXX called me approximately 10-12 times to try to convince me to stay subscribed or to convert me to a shorter subscription term but no one from the disputes department contacted me. Approximately a month later I finally received a letter from Target card services stating that they had talked with the merchant and then sided with the merchant and that my dispute was closed! They didnt even contact me to discuss my dispute or ask for supporting documents from me! This was absolutely mind blowing to me. Why have a disputes department at all if you arent actually going to investigate disputes?
Upon receiving this letter I called Target card services again and was connected to the disputes department and talked to a supervisor named XXXX who seemed very empathetic. She talked over my case and asked me to fax in a copy of my cancellation email and said she would take care of this dispute. I promptly faxed in my cancellation email to her personally at Target Card Services and waited for a resolution. About two weeks after this I received a letter from someone else at Target card services saying they never got my fax and my dispute was closed a second time- in favor of XXXX Times! I immediately called Target Card Services again and they reopened the case and asked me to re-fax the email. My girlfriend XXXX did that for me on XX/XX/2020 and we have the fax confirmation.
On Monday XX/XX/2020, after not hearing from them in almost 2 months I called them to see what was going on. The lady I talked to said the disputed department was closed and shed have a supervisor call me the next day. A supervisor named XXXX did call me the next day and left me a message saying they would need to arrange a conference call between me and the merchant to resolve this as the only way I would be released from this charge was if the merchant agreed to release me from it! This is absurd! I cancelled my trial membership before the date required and I have proof of my email which I already provided to Target and a time/date stamp on my phone showing my call to XXXX XXXX on XX/XX/2020 two days before the cancellation date! I am not getting anywhere with Target card Services and need your assistance.
|
| 03/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/21 I received a call from T.D. Bank representative alerting me of charges being debited from my ATM card ending in XXXX. I told the representative that I was not aware of charges and that I did not authorize any charges. As we were speaking representative stated that charges were still going through as we speak, so the TD representative stated that my account has been compromised and he proceeded in trying to set up a new username and password. He sent me a code to my phone for me to respond yes in order to change my username and password. On XX/XX/21 I noticed 28 fraudulent charges from the XXXX XXXX store in the amount of {$15000.00} in which all fraudulent unauthorized charges were all done on the same date XX/XX/21. I immediately called TD Disputes & Claims department on XX/XX/21. They denied my first claim stating that Fraud did not occur. If TD could investigate my banking history for the past 12 months they would see that I do not make any more than 5 transactions in one day if any and that most of my transactions are paying bills. I opened up 2 more Disputes and TD Bank denied all 3 Disputes that I filed, stating " there were no attempts at point of sale ''. There seemed to be a miscommunication when speaking to TD representative over the phone during the first contact and previous contacts with TD representative, when filing my claim, and I am trying very hard to keep my composure during this difficult time in which I am a Victim of Fraud and have a negative balance of {$1500.00} which includes interest and fees that TD, Bank has added to my account. I filed a police report, report # XXXX Officer XXXX, explaining to the Officer that someone had access to my banking information/debit card, and Detective XXXX mentioned that there are many ways that my account could have been compromised ( third party ATM machines, devices that people use to scan your information etc., without you knowing it until it's too late which was the case with me.
Please be aware that on XX/XX/21 I spoke to XXXX XXXX and opened up a dispute Claim. According to the attached documents that I sent to Consumer Financial Protection Bureau, Mr. XXXX entered/added his information on XX/XX/21 and on XX/XX/21 he completed his information. The comments note that Mr. XXXX added on XX/XX/21 is inaccurate, I did not approve any transactions, and in fact, the representative called me on XX/XX/21 and stating that my account was compromised. In the midst of our conversation TD representative was trying to set up a new username and password with me over the phone and texted me a code about two times trying to set up a new username. While we were going through the process, he stated that the new username that I chose was not going through and that it would take 24 hours for the username to go through. He also stated while we were talking that other transactions were going through as we speak and I asked where were these transactions coming from, the representative stated that " it seems as if it's coming from XXXX, Florida, XXXX XXXX, but that he could not tell from his end. When I looked at my account XXXX XX/XX/21, I noticed at least 25 fraudulent unauthorized charges all on XX/XX/21 coming from a XXXX XXXX, in Georgia. There seems to be a huge miscommunication with the representative that I spoke to on XX/XX/21 and the information that T. D. Bank has regarding all 3 claims that I filed stating that according to their investigation, Fraud did not occur. That being said, I am a XXXX XXXX, and I know that if one does not document their notes immediately within 24 hours, certain details may be forgotten, and not documented accurately. I filed a complaint with New York State Attorney Generals Office the letter is dated XX/XX/21, in which they sent me a letter stating that they would forward my information to Consumer Financial Protection Bureau, I attached documents with NYSAGO. I was encouraged to follow up with CFPB. I also have a legal Aide Senior Staff Attorney, XXXX XXXX, ( XXXX ) XXXX, Fax, XXXX, assisting me as well from XXXX for XXXX XXXX.
Please note I am adding information that was already forwarded to you from the State of New York Office of Attorney General, the file number is XXXX Subject : T.D. Bank, N.A.
Thank you for your time and attention in this matter as I need to be cleared of the negative balance and should not be held accountable for funds that were stolen from my account.
|
| 09/25/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
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Re. Target Redcard/ XXXX XXXX XXXX XXXX XXXX XXXX Hello XXXX due to being unemployed for several months and not receiving unemployment payments for the majority of that time, my credit card use increased and I was unable to pay the charges for several months. After finding employment, I contacted XXXX in XX/XX/XXXX to set up a debt management plan ( XXXX ) ; Creditor accepted the proposal on XX/XX/XXXX per XXXX. I also received a letter dated XX/XX/XXXX from Target/Creditor confirming the details of my " Consumer Credit Counseling Payment Plan '', detailing that I was " only required to pay your fixed monthly payment amount '' of " {$60.00} '', and " Your account may be charged off under the following scenarios : " If you fail to make payments as agreed and your account reaches 120 days delinquent '' and/or " If there is a balance on the account that remains after the agreed upon end date as a result of missed or incomplete payments. '' Under these stipulations, I believed that everything would be fine as long as I paid on time per the XXXX with XXXX, which I have since paid the first payment installment on XX/XX/XXXX ( I have also learned that it takes XXXX several days to disperse the payments. Hence, Creditor receiving the first payment on XX/XX/XXXX ). I was under the impression that everything was going well, until I attempted to log in to my Target Redcard account to get a statement for XXXX purposes and received a message to contact Target regarding the account. I spoke with Target Customer Service, who informed me that my account had been deleted because the debt had been charged off in XX/XX/XXXX, and they couldn't provide any statements after then as my account was deleted. I wasn't aware of the charge off and inquired as to why it was charged off when Creditor had received payment on time per the XXXX and if they still held the debt, and if so, how were they receiving money but not able to provide statements. Customer Service said they weren't aware of the XXXX and reiterated that my account had been deleted but Target still owned the debt.
I called XXXX the next day to inquire about the charge off, of which XXXX Customer Service didn't have any knowledge. Several days later, I followed up with XXXX, as someone was supposed to look into it, and the XXXX Representative called Creditor and confirmed that the account had been charged off, though the exact details were unclear, and the XXXX Representative didn't understand how the Creditor was accepting payments but unable to provide me statements. I called Target Customer Service again for further clarification and was told again that my account was deleted so they couldn't provide statements but could tell me my balance verbally over the phone. When I inquired again about the charge off and read the letter that Target sent me stated above, Customer Service again repeated that the account was charged off, saying that the letter terms were " theirs [ meaning XXXX 's ] '', even though I had stated this was a letter from Target, not XXXX.
As such, I believe that this is an unethical charge off at best as I believe I met the conditions of the letter they sent to me regarding the XXXX, but they charged off my account after accepting XXXX 's XXXX and receiving timely payments - of which I never missed one payment or paid late, even taking consideration that the previous payment date for Creditor ( before joining the XXXX ) was the XXXX of each month ( and the first payment on the XXXX was received before the XXXX [ of XXXX ] )- which has had a devastating effect to my credit. I attempted to resolve this matter with the Creditor or at least get some understanding on the difference of understanding regarding the terms Creditor accepted per XXXX 's XXXX and stated in the letter Creditor sent to me. However, Creditor just affirms that they charged off my account ( I saw on my credit report account was reported as 120 days delinquent in XXXX ) and hasn't yet clarified on what the terms meant that they stated in their XX/XX/XXXX letter sent to me as they now seem vague and confusing to me ( i.e., why did Creditor charge off my debt and delete my account if I met the conditions of repayment per the XXXX Creditor accepted ).
*I will gladly provide the aforementioned letter if needed. However, as I'm unable to redact my personal information, I'm not sure if I should upload it as an attachment to this complaint.
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| 05/02/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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What is this complaint about?
This complaint is about fraudulent charges against my checking account ( account # XXXX and an associated debit card assigned to a friend ( referenced as her ) ( card #. ) The checking account and debit card are with TDBank. The fraudulent charges were by XXXX.
What type of problem are you having?
Both TDBank and XXXX are denying part or all of my claims. Both companies have not provided written information to support the associated case filed with the XXXX XXXX, Maryland police department ( case XXXX, submitted by XXXX XXXX XXXX and with the other institution.
What happened?
On XXXX XXXX, XXXX, I filed a claim with TDBank based on my checking account balance being {$0.00} due to numerous fraudulent transactions by payments to XXXX. TDBank described the charges as going back to XX/XX/XXXX during the initial phone call with them.
The TDBank branch in XXXX, MD provided a partial list of fraudulent transactions starting on XX/XX/XXXX during a visit to the branch. I have ordered printed copies of the monthly statements from XX/XX/XXXX through XX/XX/XXXX and have only received the XX/XX/XXXX statement by postal mail.
The fraudulent transactions were due to my friends XXXX XXXX being hacked and her credit and debit card information stolen.
XXXX denied three claims stating that fraud did not occur. The bank claimed they contracted her and me about specific charges when neither of us received a notification. It is likely the bank contacted the person/people who hacked her XXXX and stole the money. The bank currently considers my situation a complaint submitted on XX/XX/XXXX with a second request on XX/XX/XXXX rather than a claim.
XXXX delayed handling the potential claim from XX/XX/XXXX to XX/XX/XXXX due to a lack of information. XXXX located some of the fraudulent charges on her iPhone/Apple account on XX/XX/XXXX. XXXX denied the claim because I did not know the charges were coming from her assigned debit card number that is different from my debit card number. XXXX accepted the claim submission on XX/XX/XXXX with a delayed claim start date because I was finally able to conclude on my own that I needed her debit card number to file the claim. Apples case ID number is XXXX.
1. TDBank did not provide me with her debit card number as the possible source.
2. TDBank did not contact XXXX or me about potential problematic card transactions, but tried to contact the person or people who hacked her XXXX. During a visit to the XXXX, MD branch, their internal system listed no messages to her or me prior to XX/XX/XXXX ; six texts to her hacked XXXX and none to me when it is believed her XXXX was hacked.
3. TDBank did not contact her or me or leave voicemail or text message to call the bank during the claim investigations despite the banks claims they tried to contact us.
4. TDBank has never contacted me about potential fraudulent card transactions or about fraud protection.
5. TDBank apparently has never set up fraud protection services on any cards issued to either her or me since I opened the checking account in XXXX.
6. TDBank did nothing to protect the money I deposited with them even though I rely on their protecting my money as a fiduciary.
7. XXXX considers the claim partially denied even though I first contacted the company on XX/XX/XXXX instead of the XX/XX/XXXX date they accepted my claim submission.
8. XXXX mentioned in the XX/XX/XXXX call that some of the claims may be denied despite their recognition that fraud occurred. This may be due to transactions being for multiple purchases.
9. XXXX did not provide any documentation that I could use to prove her phone was hacked.
10. XXXX did not provide any fraud protection services on her XXXX or the use of their service Apple.com to protect the accounts and cards associated with the transactions.
What company is this complaint about?
The complaint is about TDBank and XXXX.
Who are the people involved?
I have only talked with customer service personnel at TDBank and XXXX. Most were by telephone with names I did not receive or first name only. The only exception is XXXX XXXX, a customer service representative at TDBank in XXXX, MD. ( NMLS ID # XXXX ; tel XXXX XXXX ) XXXX ; XXXX XXXX I have included documents from TDBank and XXXX as pdfs. Please let me know if you have any questions or comments about this submission or if you want additional information. Thank you.
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| 11/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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This is a follow-up to CFPB complaint XXXX. I appear not to have communicated effectively with TD Autofinance. Per their response ( attached ), under the Fair Credit Reporting Act, they can not fail to report a late payment unless it is due to a bank error. But the account originally fell delinquent because of an error on the part of TD Autofinance that remains visible even in their literal response to my original CFPB complaint, attached. XXXX XXXX spells my name correctly in the heading of her response on the first page. Yet the automatically generated letter from TD Autofinance, an attached to its third page, shows a different spelling. This is the error on the part of TD Autofinance that caused the payment to bounce, still there for you to see. And it seems to evade the detection even of the TD Autofinance employees who, presumably, reviewed the original response document before sending it.
In response, TD Autofinance seemed to think that at some point I entered incorrect payment information, causing the original payment to bounce. But the incorrect information that caused the payment to bounce came, and still comes, from TD Autofinance. At no point did I myself enter any incorrect information.
Indeed, TD Autofinance still does not have my correct, legal name as the name on the account. The name they have is " XXXX XXXX XXXX XXXX '' rather than " XXXX XXXX XXXX, '' which is the name that appears on my passport ( attached ) and other legal documents, like bank account information. This strange error is why the original payment through autopay bounced. The account numbers used for every single transaction I have done with TD Autofinance, whether they have bounced ( causing this whole imbroglio ) or gone through, are the exact same. There is no problem with the numbers, just the name that TD Autofinance seems to have on record. TD Autofinance should be able to easily verify that with their records. They will see XXXX sets of transactions, and XXXX will have gone through successfully. But the account numbers will be the exact same.
When the original payments have bounced, it was because TD 's erroneous record of my name caused the payment to bounce at the bank. There was no way to prevent this, given the original error. You can not even change the name on the account in TD Autofinance 's autopay portal ; only enter the account numbers. Accordingly, would literally have been impossible to prevent this scenario given the underlying error of name in TD Autofinance 's record ; no bank would ever be able to match the erroneous name to the correct account that matches my legal name. I can not see how this is not the type of bank error on TD Autofinance 's part that would allow TD Autofinance to not report the deliquency as part of the Fair Credit Reporting Act.
To this day, when I have managed to pay, it has been through the one-time payment portal that does allow you to specify a different name than the one that is XXXX TD Autotrade 's file, which, to repeat is not my legal name. XXXX XXXX XXXX XXXX is the name that appears on a driver 's license that includes suffixes as part of legal names ; XXXX XXXX XXXX appears on my passport ; XXXX XXXX XXXX XXXX appears nowhere besides TD Autofinance 's records. I could figure this out when the account was already past due, because, again, TD Autofinance seems to have the incorrect name baked into its system -- including in the fields that you CAN NOT change when setting up Autopay, which only asks for account numbers. And, as I have mentioned, I never entered incorrect account numbers.
TD Autofinance should be able to verify that easily with their own records. You will see a payment fail when the account numbers are right and XXXX XXXX XXXX incorrect name of record is used, but succeed when the same account numbers and the correct rather than TD Autofinance 's incorrect name is used ( which is literally impossible to do in XXXX XXXX 's Autopay ). Accordingly, this whole imbroglio seems to arise from TD Autofinance 's erroneous record of my legal name, and would seem to be the type of bank error that allows TD Autofinance to not report the delinquency under the FCRA.
While I have tried to call the number listed on the original complaint XXXX and have left a message, I have yet to receive an answer. Hence I have written this complaint instead. But feel free to call at XXXX at your convenience.
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| 12/01/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XXXX, XX/XX/ 2021 I received an email regarding a purchase of XXXX which I knew was an error as I had never made a purchase of this kind. I attempted to logon to my banking account online and found that my username and password no longer worked to access my account online. I went out to retrieve my tote from my rental car only to discover that it had been stolen and within it my laptop, cell phone and wallet with my debit card and my driver 's license. I called my bank, TD, and was notified that there were numerous pending transactions against my account. I informed them of the situation and explained that I couldn't receive a security code to my device as the thieves had access to this as well. I asked the agent to have the account frozen until I could go into the branch and speak to someone in person. I began the process of reporting the theft and as Monday was a bank holiday I went into my branch on XXXX, XX/XX/XXXX, to discover the extent of the fraud, close the account affected, open a new account and receive instruction as to how to proceed.
Following the instructions I received from the branch I immediately filed a police report and waited the ten days to receive a copy and returned it to the bank. In the meantime, the bank had almost immediately denied my fraud claim and when I inquired I was told that once I had the police report in hand the matter would be resolved. The day the report was released I obtained a copy and returned to my branch. Again, no provisional credit was given and the claim was denied. The bank informed me this denial was because I had indicated a suspect on the police report, who I had known five years previously, but had just been contacted about by another county 's sheriff 's department. The bank insinuated that the personal link between myself and this man left my involvement in the fraud in question. I informed them that my laptop repopulated the username and password and they denied this was possible on their website. I was told I would need to prove that by going into the branch and having a bank employee witness and file an affidavit. I did this immediately and the branch employee graciously complied though the branch manager informed me that they were no longer able to help me with this matter and to call the bank 's 1-800 number in the future that the matter was now beyond the branch 's ability to help.
Once again the claim was refiled nearly automatically denied because of the tie to the possible suspect. They informed me that because I had once had a personal relationship with this person that I would need to pursue the matter civilly. As I did not know whether this man was or was not involved in the theft I contacted my county 's sheriff and was informed that the vehicle had been recovered and that nothing tying my suspect to the crime had been recovered. Again I phoned my bank and informed them of this development and made yet another claim and was informed by the agent that getting a new police report that separated the car theft from the fraud would most likely solve my issue with the automatic denials. Immediately set about reporting the fraud as a new crime and had a new report to the bank branch approximately 10 days later. Again, the claim I had made by phone had been denied before I was able to obtain the police report and so I had to again refile the claim. However, I was certain that at this point I had jumped through the various hoops that my bank had set for me and that at last the claim would be accepted and a provisional credit issued.
It is fair to say at this point I was desperate for a resolution as it had been two months that I had been without funds and all of my utilities had been cut off and I was at risk of losing my home. I have just found out that again the claim has been denied because the account was used for XXXX and XXXX purchases during the time that the card was no longer in my control. This is easily explained as my card is tied to both services through their app and was accessed and used without any need for the physical card. I excluded these charges from the fraud claim as I thought they could be legitimate charges made by my child who is away at college. I have refiled my claim and marked it urgent but have yet to hear back from my bank and do not, more than two months later, expect any sort of satisfactory resolution of this situation.
|
| 12/11/2019 |
Yes |
- Checking or savings account
- Other banking product or service
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- Opening an account
- Didn't receive terms that were advertised
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Web |
Older American |
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New to the community I found a TD promotional offer online. Basically the offer states that if you open a Beyond Checking account with two qualifying deposits totaling {$2500.00} or more within 60 days you will earn {$300.00}. Additionally, you can earn {$200.00} when you deposit {$20000.00} or more in new money within 20 days of account opening and maintain a balance of at least {$20000.00} for 90 days.
Having this information, I met XXXX XXXX, a new accounts representative for TD Bank, on XX/XX/2019 at the XXXX XXXX XXXX. branch in XXXX, NC XXXX. He looked for the promotion online but could not find it. He called TD Banks corporate office and they could not find it. So I went home and sent Mr. XXXX the link to their promotion and went back to the bank to show him the promotion in person complete with disclosures. He clicked on the link I provided him and stated, yeah sometimes these promotions are buried or are done through our marketing affiliates. He confirmed the offer was timely and that all I needed to do was apply on line. I went back home and applied on line through TD Banks promotional portal by clicking open now and made the qualifying deposits the next day. After making the two direct deposits from my Social Security income and maintaining my savings balance of {$20000.00} through the required 90 days I began making inquiries through the TD Bank call center around mid-XXXX. I was advised by their representative that I had met the qualifying prerequisites per the standard offer. However, the representative could not see the offer itself. The representative said she would escalate my concern to her management. As I received no reply I subsequently called the call center numerous times in XXXX and into XXXX. Again after no response I finally related to a representative at the call center that I would file a consumer complaint to the agency that governs banking. The following day on XX/XX/2019 I received a call from XXXX XXXX. ( Spelling of name uncertain ) who operates through their chairman of promotions office. His telephone number is XXXX. He advised me there was no promotion and the promotion I must have responded to must have been through one of their affiliate marketers. After advising XXXX XXXX of the aforementioned facts stated in the above he recoiled by saying, We dont have to honor our promotions. Youre not entitled to a promotion. Its not like interest you earn in an account. Its up to us whether we give it to you. Note : He did not ask me about the link I had sent to Mr. XXXX or how I found the promotional web site.
I was subsequently contacted by the XXXX Branch Manager, XXXX XXXX on XX/XX/2019. She asked me for an accounting of my concern. She said she would research the problem and get back to me. Within a day she advised me she had found the offer. However, she didnt and could not produce it. She instead provided me with a *supplement to the promotion date XX/XX/2019 which I was never privy to. Note : The original link I had emailed Mr. XXXX go directly to TD Banks live web site per XXXX XXXX. When you click on the link of my email dated XX/XX/2019 it has now undergone several changes and permutations. Ms. XXXX conveyed to me she was authorized by her Manager to deposit {$300.00} into my Beyond Checking account. The amount was deposited on XX/XX/2019. However she said the {$200.00} I believe I earned per the original per motion was disallowed for reasons that remain unclear to me.
In summary I question the process that takes place between TD Bank and their so called affiliate marketers. To me this is irresponsible and not incumbent on the customer to process. I am concerned that TD Bank management is telling their customers that they dont need to honor their promotions. I am very concerned that the original promotion and confirm by Mr. XXXX is yet to be found. Finally, how can a prospective customer enter TD Bank through a promotional TD letterhead web site, offered to the public, that says open now if the offer is not valid? No one at any quarter at TD Bank has been able to answer this simple question.
Needless to say this issue has caused me a considerable amount of time, effort and undue stress. This is not the standard to operate business professionally by any measure.
Respectfully XXXX XXXX *ref. supplement dated XX/XX/2019 can be furnished upon request.
|
| 02/04/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Following XXXX Friday, XXXX XXXX was having a promotional sale for 0 % interest for qualifying applicants. I applied for the financing since I had been wanting a XXXX machine for about 2 years. After being approved by the credit card company ( TD Bank ), XXXX XXXX could not find my information and would not complete my order. I attempted to order through the website multiple times but kept being unable to complete the order since my account could not be found by XXXX XXXX. I attempted online and over the phone purchase for about 5 days, I believe.
Finally, I sent an email on XX/XX/XXXX, stating my complaint that I had applied for and been approved for financing and that, through no fault of my own, I was being denied the good being advertised. The following day my order was completed almost without issue. I received email confirmation on XX/XX/XXXX, that my Rowing machine was ordered. In total, that transaction, the only transaction I authorized on this card, was billed at {$990.00}. That is the only amount I authorized.
On XX/XX/XXXX, I checked my online account through TD Bank for my XXXX XXXX credit card. I noticed a charge made on XX/XX/XXXX ( XXXX ) for {$1800.00}. I called to dispute the charges and was told that they would freeze or close the account. I told them that the one and only purchase I intended to make on that card had already been made. Nevertheless, currently, my online account through TD Bank shows that the order from XX/XX/XXXX processed on XX/XX/XXXX, the day AFTER I disputed charges.
Furthermore, I again checked my account on or around XX/XX/XXXX. I noticed a charge for roughly {$300.00} on XX/XX/XXXX, at that time. I again called and disputed the charge and asked why my account was not closed. I was told that while the disputed charges were being investigated, I could not close my account. I asked how long that would take and was told there was no way of knowing and I needed to wait it out. I do not know what the exact purchase price for the unauthorized charge on XX/XX/XXXX because the website TD Bank uses for online access to users accounts no longer reflects that charge. In fact, both my statements from XX/XX/XXXX and XX/XX/XXXX state there are no transactions and I am unable to access them. The only charge that still shows online is the XX/XX/XXXX fraudulent purchase with a reference number, which I can provide upon request. And yet, my total balance is currently {$3000.00} despite the fact that only {$990.00} was authorized by me.
No statements are available online. I made a {$100.00} payment on XX/XX/XXXX and enrolled in auto pay so as not to miss any payments. That is recorded online, thankfully. However, this is frustrating because my monthly payment amount is higher than what I contracted for when I applied for the financing for my single purchase of one piece of equipment. My credit utilization is high enough to hurt my credit score. Further, I am uncomfortable with my bank account information being shared with an entity, which frankly I believe mishandled my personal information in the first place, leading to someone else utilizing my card without my authorization. Additionally, the online account is as bare as possible with unusable features and inadequate access to MY financial information. That same entity is taking quite a while for what should be a simple investigation. Where was the other equipment shipped? I can promise you it was not to my house or anyone I know.
I called TD Bank once again on XX/XX/XXXX because I noticed that the XX/XX/XXXX charge of ~ {$300.00} was not marked as disputed as I had requested. I asked when I could expect an update on the investigation and was told that early XXXX would be when I could expect to hear back. I subsequently received a mailing, dated XX/XX/XXXX that my disputes were still being investigated. I opened that piece of mail today, which is what is prompting this complaint. I think it is worth mentioning that while I've been concerned enough to call TD Bank multiple times, I have not once been contacted during the course of their " investigation. '' I will never be using TD Bank again, nor will I purchase subsequent equipment or other services from XXXX XXXX. This entire interaction, from beginning to end, has been shady, unprofessional, and entirely mishandled from both TD Bank and XXXX XXXX.
|
| 12/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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On XX/XX/2019, I logged into my Target RedCard credit card account in an effort to make a valid payment agreement to start paying back a balance that I had with them. The repayment plan offer was made to me for a 48 month repayment plan at $ XXXX/m, which I ended up agreeing to. The payment required a payment to be made the same day, which I did make. I was under the clear impression that this payment plan would keep in good standing and that my minimum payments would be changed to $ XXXX/m because all of the information provided to me indicated that I am not required to pay anything extra.
I logged into my account in XXXX of 2019 just to make sure that everything was all set and to my surprise, the account was still indicating I did NOT have a payment plan in place. I made a call to the company the same day and they assured me that everything was all set and that my account, statement and credit would be updated within 2 billing periods. I trusted that was the case and left everything as is. I checked my credit report a month later and the account was now showing 120 days past due and not the 90 days that it was before. Confused as to how I could be MORE behind now ( after giving them 2 payments ) I called them again. When I questioned this, a customer service rep did not seem to have an answer and after she placed me on hold to talk to a manager, she came back on and indicated that the credit report would not be updated unless I paid my minimum payment which was different than the payment agreement.
I was very confused, so I asked why I was not told this when 1 ) When the payment agreement offer was made to me 2 ) When I called last time. She advised me she was not sure. I told her that I would review the documents that I had and call back. My last call to Target RedCard was on XX/XX/2019 ( 3rd call in total ) around XXXX. I advised the customer service rep that I feel that I was misled and that no one can seem to provide me the reason why it was not made clear to me that my credit report would not be updated. She apologized and said she would escalate the call to manager and someone would call me back within 24 hrs around the same time. When I asked to speak with a manager I was advised that managers do not take calls but rather " return calls ''. I have yet to receive a call back.
A couple of things that I feel are very inappropriate and hurt me as a consumer 1 ) The payment agreement terms that were provided clearly indicate that I am NOT required to make any larger payments than the XXXX that was agreed upon. No where on the payment terms does it indicate that this will not satisfy the " minimum payment requirements '' and that they will continue to report me to the credit as " late '' 2 ) Had I been told by the original customer service rep or the payment terms letter or my statement that I HAD to " catch up the account '' in order to avoid further negative credit reporting, I would have and could have made the effort to do so. By NOT being clear, they have caused me to be mislead about their intention therefore causing further damage to my credit report. Had I been made aware of the FULL terms of the agreement and what I was getting myself into, I would not be as upset over this. But there was a clear issue and none of the customer service agents were able to address it properly.
3 ) The simple fact that they clearly indicate on the payment terms paper and on the statement themselves that " you are not required to pay anything more than '' is very confusing. By failing to disclose that they are going to continue to report the account as past due even if you are on a " payment plan '' they are clearly attempting to avoid the consumer changing their minds and breaking the payment plan as there is no clear incentive to pay. I believe advising a consumer that they do NOT have to pay anything extra but still indicating a different " minimum payment '' is not proper. It creates confusion and can be misleading.
I believe that the way this was handled was deceptive, misleading and has hurt me immensely. My credit report is not showing this account as being 120 days late for the past 4 months ( regardless of my efforts and payments ). I do not believe that this is fair to anyone.
I have attached the Payment Terms Agreement that was provided and a copy of the XXXX Statement.
|
| 04/16/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Older American |
|
In XXXX I made an ACH payment in the amount of {$21000.00} to a XXXX account in XXXX, NJ. The account # provided turned out to be of someone not affiliated with the intended receivers company, XXXX XXXXThe account number was supplied by someone who hacked my customers email and sent the account information posing as the customer. I was made aware of the situation 5 days later and called TD Bank Fraud department and the XXXX XXXX of the XXXXXXXX XXXX where the monies were sent to in an effort alert the banks and to recover my funds. Although the 3-day recall window had passed the monies were still in the account and I explained to both parties that the transfer was based on fraudulent information. The XXXX manager told me that they would mark the account and transaction but XXXX would need to deal directly with TD Bank. He also impressed upon me the need to have the situation upgraded to a priority at TD Bank. He explained although the account was flagged, they could not hold back the monies indefinitely. I made my second call to TD Bank customer service to relay this critical information. The representative, XXXX XXXX no last name given ) assured me that they would move quickly to reach out to XXXX and lock down the funds until the situation could be resolved. The TD Bank representative assured me she had everything that they needed to follow through and I would receive a follow up call within a week. No follow up call was received. I reached out continuously, speaking with XXXX, XXXX, XXXX, and several others and each call I had to start over being told nothing was even in their system. After each repeated attempt to get help I would receive the same hollow assurances. This went on at least 5 - 7 additional times before I was told to go to my branch and file an Affidavit of Fraud, and a local Police Report which I immediately did on XXXXover 2 months after the process started. Why was I not told to do this at the beginning I asked. The response was that this was unchartered waters for the Customer Service team. Additional calls were made and the same promises of action continued without ANY follow up until I started to visit my branch repeatedly. Finally, I received a letter from TD Bank stating that the dispute claim was filed on XX/XX/2022 and was being denied. This is false. I called the TD Bank Fraud department in XXXX. I filed my report via the only method made available to TD Bank customers at the time, their customer service telephone support team. My monies could have been retrieved in XXXX. I was promised by my local manager that my monies would be retrieved " 100 % '' ... her exact words. TD Bank did nothing but provide lip service. No action was ever taken until it was too late and my money were gone. I verified such when I was able to contact and speak with someone from XXXX XXXX Fraud division. He would not provide his name, but he did confirm that TD NEVER contacted them regarding my situation and eventually the monies were released. As proof I called XXXX. He had a case # XXXX for my future reference. He also stated the funds were 100 % retrievable had TD followed through in a timely manner as originally instructed. This is TD Banks fault 100 %. TD Banks unprofessional, untrained service team dropped the ball and caused this loss that was completely preventable.
TD Bank is a foreign bank operating in the US. Someone from their corporate office called me several weeks after I received my denial letter to discus my case and in their own words stated that at the time my incident occurred TD Bank did not have a proper ACH customer service team in place and that is why I received multiple unreliable responses that went unanswered. She assured me they now do and I could be confident in continuing to bank with TD. When I asked why TD was offering services such as ACH that they could not support she quickly backtracked and denied what she just had said. I explained that is the exact problem here, everyone involved is prepared to lie in order to avoid taking ANY responsibility. TD needs to be held accountable here. We should not allow this type of company to operate in the US if they can not be held to the high standards customers expect when they make a decision to put their faith in a banking institution. As such, I am requesting a FULL refund of the monies lost.
|
| 11/30/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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TD Bank has violated my fair right to dispute wrongful transactions on my account. This is because they do not want to provide their customers with provisional credits until the dispute is resolved.
This is the 2nd dispute Ive had problems getting resolved with this bank. They are quick to deny their customers claim without giving the customer a sufficient amount of time to provide proof of their dispute. And when proof was provided the claim was still denied with no real reason. Approximately on XX/XX/XXXX, I had to open a debit charge dispute for the 3rd or 4th time. Due to the fact that TD bank denied my previous claims. In each dispute I filed over the phone. I stated that the Merchant called XXXX is a rideshare rental app that allows you to rent cars from other private car owners. The app requires you to pay a small refundable deposit every time you rent the car or extend your rental. The XXXX app also states that the renters deposit will be refunded once the rental is returned with no issues caused by the renter. Any toll fees or parking fees will be deducted from the rental deposit. However I never received my deposit back and XXXX deactivated my account after I was charged an additional {$31.00} for toll fees. I requested an itemized invoice but the company never responded to my emails in regards to my request. This company turned back around and tried to charge my card again for {$270.00} ; which did not go through because my debit card was locked and I ended up requesting a new debit card because of the attempts to charge my card for different amounts without my authorization. This was the first incident I had with the TD Bank disputes department.
The most recent dispute was filed on XX/XX/XXXX at XXXX ; against the XXXX XXXX XXXX XXXX XXXX XXXX I carefully explained this new situation with the customer service rep so that she could file my claim correctly. Because I put a down payment on a car that was supposed to be deducted once the dealership was able to obtain suitable financing as they promised. I never received the car or the financing. Therefore, I wanted my money back and the dealership refused to refund my money. This transaction turned out to be pretty much a scam because the dealership refused to refund my money for their product and services, I never received. However, TD Bank took less than 24 hours to deny my dispute with no proof from me or the merchant that shows any signed contract that gives the dealership the right to keep my down payment for a car I never received. I believe they denied my dispute to avoid giving me a provisional credit, which has put my account in the negative status. So that they can charge another {$35.00} insufficient funds fee. Like they did with my other dispute that they keep denying. And to make the situation worse. I had to actually call the customer service dept to get an update on Friday XX/XX/XXXX. And thats when I was told that TD Bank called the merchant and they stated that the {$1500.00} was non-refundable based on Terms and conditions I agreed to. TD Bank never tried once to contact me or give me the opportunity to show proof that the merchant was lying and trying to run a scam. I had to refile my dispute again on Friday XX/XX/XXXX. And I went to my local branch on Saturday XX/XX/XXXX to provide a screenshot of the text messages the dealership finance manager sent to me. The finance manager stated that the dealership would be more than happy to refund my money but they still havent attempted to refund my money yet. And they had plenty of opportunities to do so already. After I provided proof to my branch manager he faxed over this information to the dispute department. I then went to the dealership in person to attempt for a 4th time to get my money refunded back to me in person. I was given the run-around again, and this time I was on the phone with a TD Bank rep . I gave verbal permission for the customer service rep to speak to the sales manager in regards to my refund. The sales manager told the bank rep that they can refund my money if I cancel my dispute. However, their card processing company charges a 3 % fee, which is about {$45.00} that they would deduct from my refund. The bank rep agreed with me to keep my dispute open so that I can get the full amount of {$1500.00} refunded back to my account
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| 05/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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THIS IS NOT A DUPLICATE COMPLAINT. I ORIGINALLY FILED COMPLAINT XXXX WHICH WAS CLOSED BUT NOT RESOLVED PROPERLY. THE LETTER ACCOMPANYING THE BANK 'S RESPONSE INVITED ME TO CALL THIS WOMAN, XXXX XXXX, WHO I HAVE CALLED 4 TIMES, BUT SEEMINGLY DOES NOT KNOW HOW TO EITHER ANSWER HER PHONE OR RETURN CALLS. PLEASE SEE BELOW WRITE UP AND ATTACHMENTS : I had 4 accounts with TD Bank, 3 of them loans : 1. Checking XXXX XXXX. Checking Overdraft Loan XXXX XXXX. Line of Credit XXXX 4. Home Equity Loan XXXX I have previously and repeatedly disputed all 3 of the loan accounts in the past with XXXX, the CFPB, and with TD Bank directly. They have changed some things but not fixed everything.
Timely payment of each loan would be evidenced if we could show checking account activity. However, TD is unable to provide checking account statements past XX/XX/XXXX and statements they do have show zero activity from XX/XX/XXXX on. I do not know how this is possible? : I receive and email from TD Bank each and every month telling me that my checking account statement is ready, BUT when I call to try to get access to the account online TD is unable to help me log in.
Post XX/XX/XXXX there is considerable ongoing activity as late as XX/XX/XXXX in the loan accounts. The other side of these transactions could only be the checking account ( ergo the name of one of the loan accounts Checking Overdraft Protection ), but the checking side is MIA for well over 3 years? Please refer to account activity provided by TD Bank in attached file, TD Bank CFPB Response.pdf.
Looking at the activity in the Overdraft account ( the other side of which must be the checking account which it is protecting ) I would have to surmise that much of what I am seeing in the loan is the result of fraud in the checking account, however there is no way for me to confirm this since TD claims checking statements do not exist.
1. Checking Overdraft Loan XXXX : As mentioned I believe much or all of the activity I see in this account from mid-XXXX on could be fraud. TD has already removed late payments from this account but I would also like Status to reflect Paid/Never Late/Closed instead of Included in Bankruptcy. I am more than willing to work with the bank if they would like to investigate possible fraud.
2. Line of Credit XXXX : It looks as if payments to this account stopped around the same time the checking account disappeared. At least minimum payments on this account should have been drafted automatically from my checking account, but uh, oh, right, theres that checking account thing. Even if there were no funds in the checking account payments still would have been made on the loan, and the checking overdraft covered by the overdraft loan. The overdraft loan remained current and even with previously mentioned mystery debits it had adequate open credit to cover payments for a long period of time, and without the mystery debits it would still have enough open credit. TD has already removed late payments from this account but I would also like Status to reflect Paid/Never Late/Closed instead of Included in Bankruptcy.
3. Home Equity Loan XXXX : By the same reasoning as explained in bullet 2 above I would like record of late payments removed. Additionally, this loan is showing status of Foreclosure Proceedings Started which should be changed to Paid/Closed for reasons evidenced and described in the timeline of events as follows : a. XX/XX/XXXX property financed is sold, payment is made. I have at least twice previously provided the closing disclosure showing payment, and it is again attached to this dispute, Closing Disclosure Seller Only Extended Lines ( 1 ) .pdf b. XX/XX/XXXX TD Bank receives payment in full on the loan, but erroneously records the payment as a charge off ( and they apparently also owe me about {$58.00} for overpayment ).
c. XX/XX/XXXX TD Bank reports the loan status as Paid of XX/XX/XXXX with balance updated XX/XX/XXXX.
XXXX XX/XX/XXXX TD Bank seems to have changed their minds about the status of a loan paid off almost 2 years earlier and Payment Status flips from Paid to Foreclosure Proceedings Started. For some reason the Balance Updated date is now shown as XX/XX/XXXX which is 2 weeks prior to the date they allegedly reported 18 months prior. Say again??
Thanks, XXXX XXXX XXXX XXXX XXXX
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| 07/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I, Your Name ( XXXX : XXXX ) a natural human, consumer hereby am notifying you NORDSTROM XXXX that I realized the coupon attached to my statement was indeed a form of payment. I looked up the correct definition of a Coupon pursuant to The XXXX XXXX dictionary A coupon is a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, that they may be separated from the bonds and other instruments to which they are usually attached Please be advised that I received your statements and coupons from Account of NORDSTROM XXXX ACCOUNT NUMBER-XXXX in the amount of {$300.00} I accept your offer and I am returning your coupon as Tender of Payment pursuant to 3-603 ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.
Bond coupon Part of bond which is cut and surrendered for payment of one of the successive payments of interest Coupon bonds XXXX to which are attached coupons for the several successive installments of interest to maturity. Benwell v. Newark, 55 N.J.Eq. 260, 36 A. 668 ; Tennessee Bond Case, 114 U.S. 663, 5 S.Ct. 974, 29 L.Ed. 281.
Coupon notes Promissory notes with coupons attached, the coupons being notes for interest written at the bottom of the principal note, and designed to be cut off severally and presented for payment as they mature. Williams v. Moody, 93 Ga. 8, 22 S. E. 30.
Pursuant to Instrument A negotiable instrument ( defined in U.C.C. 3-104 ), or a security ( defined in U.C.C. 8-102 ) or any other writing which evidences a right to payment of money and is not itself a security agreement or a lease and is of a type which is in ordinary course of business transferred by delivery with any necessary indorsement or assignment, U.C.C. 9- AFQR255 105 ( 1 ) Pursuant to UCC3-603 TENDER OF PAYMENT.
( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.
( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.
Pursuant to UCC1-308 Performance or Acceptance Under Reservation of Rights.
( a ) A party that with explicit reservation of rights performs or promises performance or assents to performance in a manner demanded or offered by the other party does not thereby prejudice the rights reserved. Such words as " without prejudice, '' " under protest, '' or the like are sufficient.
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| 09/19/2023 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I am writing to submit a formal complaint against XXXX TD Financial Services, referred to as " XXXX XXXX '' hereafter, regarding a series of deeply concerning incidents I have encountered in connection with their financing services. These incidents appear to involve unfair, deceptive, or predatory practices that have resulted in considerable hardship and financial stress. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) conduct a comprehensive investigation into these matters.
On XX/XX/2023, I engaged with XXXX XXXX to finance a pair of monitors. To my surprise and dismay, a user account was established in my name without my knowledge or consent. This initial predicament necessitated my contacting customer service to gain access to the account and fulfill the requisite payments.
Following this, a customer service representative from XXXX XXXX guided me through the setup of automatic bill payments. During this process, I meticulously copied and pasted my banking information directly from my financial institution 's portal to ensure its accuracy. The representative supervised and confirmed the successful configuration of automatic payments, instilling in me a sense of confidence and security. The representative also verified a successful payment posted.
However, approximately two months later, I began receiving notifications from XXXX XXXX alleging that I had not made any payments and had incurred late fees. These claims left me bewildered, prompting me to once again reach out to customer service for an investigation. To my astonishment, I was informed that my banking information had been inaccurately recorded on my account. It is crucial to emphasize that my provided banking information was copied diligently from the source and validated by a company representative. This misreporting led to missed payments and unjust late fees.
In response, I diligently corrected the erroneously recorded banking information with the assistance of a customer service representative. I ensured that all outstanding payments were brought up to date and that the imposed late fee was removed from my account. Regrettably, the same issue recurred approximately two months later. To my dismay, I discovered that my automatic payment setup had been inexplicably XXXX. Despite meticulously adhering to all prescribed procedures for timely payments, XXXX XXXX again charged me late fees without prior notice or adequate explanation.
Subsequent conversations with XXXX XXXX 's customer service representatives revealed an unwillingness to acknowledge fault or address the situation adequately. Instead, they attributed non-payments and late fees to me, despite documented evidence of my diligent compliance with the company 's prescribed procedures for timely payments.
I have formally requested the removal of these late fees, an adjustment of my due date to the middle of the month, and re-enrollment in the auto-pay program. Regrettably, all of these requests were summarily denied.
Based on the described experiences, it appears that XXXX TD Financial Services may be engaged in deceptive practices, including but not limited to : 1. Creating accounts without explicit consent.
2. Unauthorized modification of accurately provided banking information.
3. Disabling auto-payment arrangements without notification.
4. Refusing to reinstate auto-payment processes despite consumer compliance.
5. Setting a payment due date for the 3rd of the month with no option to update.
These actions seem to create a system that encourages missed and late payments, resulting in predatory financial consequences for consumers. I believe such practices are in violation of established consumer protection laws and warrant a thorough investigation by the Consumer Financial Protection Bureau. I highly doubt I am the only person experiencing this predatory pattern to squeeze late fees out of consumers.
I respectfully request that the CFPB investigate these allegations against XXXX XXXX XXXX XXXX and take appropriate action to rectify the injustices I have experienced. Your intervention is essential in safeguarding consumers ' rights and preventing future harm.
Thank you for your attention to this matter. I can provide any and all documentation necessary to support my claims.
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| 02/28/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I have tried 14 times to use a credit line issued by TD bank at XXXX. Each time it tells me my order has been accepted and that if there is a problem someone will contact me. Each order looks like it is being processed or about to ship but never does. I have contacted both XXXX and TD Bank on several occasions but get nowhere. I now have a hard inquiry in addition to a credit line that is useless.
Here is a list of my orders : ORDER NUMBER XXXX ORDER DATE XX/XX/XXXX ORDER TOTAL {$2300.00} BACKORDERED 65 '' Class Q7F QLED 4K TV SKU ID : XXXX QTY : 1 Price : {$2100.00} Discount : {$1800.00} SHIP TO XXXX XXXX ORDER IS DELIVERED 2 BUSINESS DAYS FROM SHIPPED DATE CANCEL ORDER ORDER NUMBER XXXX ORDER DATE XX/XX/XXXX ORDER TOTAL {$3200.00} BACKORDERED 75 '' Class Q7F QLED 4K TV SKU ID : XXXX QTY : 1 Price : {$3200.00} Discount : {$2700.00} SHIP TO XXXX XXXX ORDER IS DELIVERED 2 BUSINESS DAYS FROM SHIPPED DATE CANCEL ORDER ORDER NUMBER XXXX ORDER DATE XX/XX/XXXX ORDER TOTAL {$580.00} XXXX SmartThings XXXX XXXX XXXX Starter Kit SKU ID : XXXX QTY : 1 Price : {$540.00} SHIP TO XXXX XXXX CANCELLATION DATE XX/XX/XXXX ORDER IS DELIVERED 2 BUSINESS DAYS FROM SHIPPED DATE CANCELLED ORDER NUMBER XXXX ORDER DATE XX/XX/XXXX ORDER TOTAL {$1000.00} XXXX XXXX XXXX ( Unlocked ) SKU ID : XXXX QTY : 1 Price : {$950.00} SHIP TO XXXX XXXX CANCELLATION DATE XX/XX/XXXX ORDER IS DELIVERED 2 BUSINESS DAYS FROM SHIPPED DATE CANCELLED AKG XXXX On-Ear Bluetooth Headphones SKU ID : XXXX QTY : 1 Free CANCELLATION DATE XX/XX/XXXX ORDER IS DELIVERED 2 BUSINESS DAYS FROM SHIPPED DATE CANCELLED ORDER NUMBER XXXX ORDER DATE XX/XX/XXXX ORDER TOTAL {$510.00} XXXX SmartThings XXXX XXXX XXXX Starter Kit SKU ID : XXXX QTY : 1 Price : {$440.00} Discount : {$100.00} SHIP TO XXXX XXXX CANCELLATION DATE XX/XX/XXXX ORDER IS DELIVERED 2 BUSINESS DAYS FROM SHIPPED DATE CANCELLED XXXX SmartThings XXXX Motion Detector SKU ID : XXXX QTY : 1 Price : {$31.00} Discount : {$8.00} CANCELLATION DATE XX/XX/XXXX ORDER IS DELIVERED 2 BUSINESS DAYS FROM SHIPPED DATE CANCELLED ORDER NUMBER XXXX ORDER DATE XX/XX/XXXX ORDER TOTAL {$3700.00} 75 '' Class Q7F QLED 4K TV SKU ID : XXXX QTY : 1 Price : {$3400.00} Discount : {$2500.00} SHIP TO XXXX XXXX CANCELLATION DATE XX/XX/XXXX ORDER IS DELIVERED 2 BUSINESS DAYS FROM SHIPPED DATE CANCELLED ORDER NUMBER XXXX ORDER DATE XX/XX/XXXX ORDER TOTAL {$3700.00} 82 '' Class MU8000 4K UHD TV SKU ID : XXXX QTY : 1 Price : {$3400.00} Discount : {$1500.00} SHIP TO XXXX XXXX CANCELLATION DATE XX/XX/XXXX XXXX STANDARD DELIVERY CANCELLED ORDER NUMBER XXXX ORDER DATE XX/XX/XXXX ORDER TOTAL {$3700.00} 75 '' Class Q7F QLED 4K TV SKU ID : XXXX QTY : 1 Price : {$3400.00} Discount : {$2500.00} SHIP TO XXXX XXXX CANCELLATION DATE XX/XX/XXXX XXXX STANDARD DELIVERY CANCELLED ORDER NUMBER XXXX ORDER DATE XX/XX/XXXX ORDER TOTAL {$3700.00} 75 '' Class Q7F QLED 4K TV SKU ID : XXXX QTY : 1 Price : {$3400.00} Discount : {$2500.00} SHIP TO XXXX XXXX CANCELLATION DATE XX/XX/XXXX XXXX STANDARD DELIVERY CANCELLED ORDER NUMBER XXXX ORDER DATE XX/XX/XXXX ORDER TOTAL {$3700.00} 75 '' Class Q7F QLED 4K TV SKU ID : XXXX QTY : 1 Price : {$3400.00} Discount : {$2500.00} SHIP TO XXXX XXXX CANCELLATION DATE XX/XX/XXXX XXXX STANDARD DELIVERY CANCELLED ORDER NUMBER XXXX ORDER DATE XX/XX/XXXX ORDER TOTAL {$3700.00} 75 '' Class Q7F QLED 4K TV SKU ID : XXXX QTY : 1 Price : {$3400.00} Discount : {$2500.00} SHIP TO XXXX XXXX CANCELLATION DATE XX/XX/XXXX XXXX STANDARD DELIVERY CANCELLED ORDER NUMBER XXXX ORDER DATE XX/XX/XXXX ORDER TOTAL {$3700.00} 75 '' Class Q7F QLED 4K TV SKU ID : XXXX QTY : 1 Price : {$3400.00} Discount : {$2500.00} SHIP TO XXXX XXXX CANCELLATION DATE XX/XX/XXXX XXXX STANDARD DELIVERY CANCELLED ORDER NUMBER XXXX ORDER DATE XX/XX/XXXX ORDER TOTAL {$3700.00} 75 '' Class Q7F QLED 4K TV SKU ID : XXXX QTY : 1 Price : {$3400.00} Discount : {$2500.00} SHIP TO XXXX XXXX CANCELLATION DATE XX/XX/XXXX ORDER IS DELIVERED 2 BUSINESS DAYS FROM SHIPPED DATE CANCELLED ORDER NUMBER XXXX ORDER DATE XX/XX/XXXX ORDER TOTAL {$2600.00} 65 '' Class Q7F QLED 4K TV SKU ID : XXXX QTY : 1 Price : {$2400.00} Discount : {$1500.00} SHIP TO XXXX XXXX CANCELLATION DATE XX/XX/XXXX ORDER IS DELIVERED 2 BUSINESS DAYS FROM SHIPPED DATE CANCELLED Each order was eventually cancelled by me as requested by XXXX support department.
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| 08/18/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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To whom it may concern, In early XX/XX/XXXX I received a notification from my XXXX credit protection service notifying me that I had a late payment. The payment was TD retail and at that point it was 60 days past due. I went back to my banking records and check to make certain that the payments for To whom it may concern, In early XX/XX/XXXX I received a notification from my XXXX credit protection service notifying me that I had a late payment. The payment was TD retail and at that point it was 60 days past due. I went back to my banking records and check to make certain that the payments for furniture from XXXX XXXX had been made on time. They had. On XX/XX/XXXX I reached out to the consumer phone service for TD retail bank and had a discussion with a representative, that represent Informed me that a manager would reach out to me within 24 to 48 hours. There was no such callback. I made repeated calls after the initial conversation and each time I was promised that a manager would call me back to rectify the situation. No such call ever came. On XX/XX/XXXX, Oh I made a written inquiry with the XXXX XXXX and informed them that repeated efforts had been made to contact a manager. I also followed up twice again on XX/XX/XXXX. Shortly after that I did receive an email stating that it would be two billing cycles before the situation could be remedied. I have all of my banking statements showing that I paid the debt in full, Actually I over paid the debt, as I was charged {$260.00} in the XX/XX/XXXX bill for some reason that Im not aware of. In late XXXX I had a discussion via phone with the XXXX XXXX platinum card representative regarding posting errors on their end. They had charged me {$25.00} for non-payment nonsufficient funds from my institution. It turned out that they had posted to the incorrect account and they reversed those charges at that time. The XX/XX/XXXX bill reflected that reversal, but in XX/XX/XXXX there was another {$25.00} charge for non sufficient funds. This is a posting error on their end. The most frustrating part of the whole process has been that it can be cleared up with about a five minute conversation between myself and someone who has the authority to actually investigate the posting error. I have spoken with the accounting department at the actual physical XXXX XXXX store where I purchased the furniture and she is in agreement with me that is an error on TD retail banks end. I have had absolutely no recourse but to sit and wait and my attorney had advised me in the beginning of this process that I should reach out to your XXXX. I hesitated to do that because the folks at the XXXX XXXX store have been very helpful but they have made absolutely no ground with their own third-party financial institution, TD retail bank. Furthermore, the folks that I have spoken with who represent TD retail bank when I call XXXX have been in agreement with me that its a simple posting error. On two occasions in the first week that I was calling the representatives even promised me that a manager would call me back within 1 to 2 hours.
Regrettably, Im having to reach out to your agency because my credit is being severely impacted and the folks at the physical XXXX XXXX store in XXXX Ohio have not been able to nudge the process along. The folks at TD retail bank however have been able to call me repeatedly day after day, sometimes several times a day to harass me about this debt that I have not only paid but overpaid. I have kept taking photographs of all of my bank statements as well as a small portion of the cell phone records with the exceptionally high volume of calls from TD retail bank.
One of the most concerning part of this entire process has been the fact that once I was notified by my credit reporting Agency of the late payment, I walked into the TD retail bank facility at the corner of XXXX and XXXX in XXXX XXXX XXXXXXXX to sort the issue in person. I gave them my TD retail bank account number and they had absolutely no record of the account or any transactions.
Given the communication regarding my repeated inquiries I am not at all confident that my situation will be addressed in a fair and honest manner. Please let me know what I can provide to your agency so that I may sort this in the near future.
Thank you, XXXX
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| 08/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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XX/XX/XXXX To Whom It May Concern : I would like to share my experience on XX/XX/XXXX at XXXX XXXX in XXXX, Georgia. I purchased a new XXXX XXXX XXXXXXXX XXXX. I was assured that the price that I was paying was actually a good price for what the car was worth. I requested a drive out price of {$43000.00}. I let the dealership know that my credit bureaus were locked due to previous identity theft. Unfortunately, I was not able to complete the transaction that day due to a power outage. I spoke to XXXX XXXX and instructed him not to shop my credit until the bureaus were unlocked then he could proceed. I returned to the dealership on XX/XX/XXXX, to complete the paperwork and take delivery of the car. I was surprised that the finance department added several warranties that I never asked for. I had previously purchased a warranty through another company so therefore, I knew that these charges were not previously authorized. I expressed my concerns and was assured that these fees could be removed within 30 days if I choose not to keep them. It was with this assurance that I closed the deal. I also asked who was the bank that they financed my loan through because I was not aware of the lender. I was again reassured that it was just one of their other lenders because XXXX XXXX denied my credit due to the locked credit. I took delivery of the car. Over the next few weeks, I received several letters from banks that denied my credit due to the credit bureaus being locked. This annoyed me since I asked them to wait for my permission, but at this point there was nothing that could be done. About a week and a half later, I received a letter from a lender that stated my loan could not be approved due to negative equity in the car. I called the dealership and spoke to Mr. XXXX who listened to my concerns. I stated that I was told I couldnt refinance my car for four months by XXXX in the finance department. This was odd because I have never been told this before. XXXX stated that the dealership would not get paid for the car and I would lose my rebates. The irony is in spite of these rebates, I was informed by several banks that the car was overpriced. Mr. XXXX stated that he would investigate my concerns and return my call. Rather than Mr. XXXX returning my call, a man named XXXX called. I explained my concerns about my credit, and the questions regarding the value of the car. I was assured that the car was valued at the price that I paid. I was offered a free car wash for the credit issue, I told XXXX that this gesture would not suffice if this car was overpriced. Additionally, I told him I would be able to verify his claim of value once I refinanced the car. It was a couple of days later once I tried to refinance the car that my worst fears were realized. My credit union stated the car was priced {$10000.00} over book value. I was mortified. I again reached out to the dealership and actually spoke with the owner Mr. XXXX, who stated that I got a beautiful car and a fair price. He offered to speak to my credit union representative to assist in refinancing my car. However, this never happened. Their finance department spoke to their representative from my credit union who refused to discuss my loan as they didnt have my permission. I asked XXXX XXXX to call my loan officer and he refused. He only provided the sales paperwork. Needless to say, that deal never came to fruition. I sought out the assistance of a local bank and I gave them Mr. XXXX information and the bank stated he never returned their call. I'm very disappointed in the treatment that I have received. I'm a single mother that is possibly responsible for {$10000.00} that should have never been charged to me. The finance department knew this fact because they chose a lender unbeknownst to me that I recently discovered financed my loan without verifying the value of the car. This car is below XXXX XXXX value and this value was verified with an appraisal with an independent company. I have excellent credit and I didnt have to have a questionable lender to finance my car. This dealership did this in order to defraud me. This practice is totally unethical. It is my hope that someone can provide any assistance to resolve this matter.Thanking you in advance for your consideration in this matter.
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| 11/24/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Older American |
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On XX/XX/2021 I discovered that my debit card had been stolen. On XX/XX/2021 I went to the XXXX, S.C. branch of TD bank and reported that the card had been stolen. The bank issued me another debit card and I was told that the stolen card was de-activated. There was {$2100.00} in the account. On XXXX/XXXX/2021 I tryed to use the card and it was denied. On XX/XX//2021 I went to the XXXX branch of TD bank and asked for a printout of activity on the card. The balance on the card was {$10.00} on the printout. It was almost closing time at bank so I was unable to dispute the charges then. There was 46 transactions on this card that I did not do. On XXXX/XXXX/2021 I went to the XXXX branch and talked to two different ladies about disputing these charges and could not get any one to give me any advice on what to do. They said nothing could be done until I had a police report. I left the bank and went to the XXXX XXXX XXXX XXXX XXXX and told them what happened. They took my information and gave me a case # XXXX. I carried this back to the bank. This time I asked to talk to the branch manager, XXXX XXXX. I told him that none of the charges was mine and I wanted to know what to do. He made a report to send in to TD bank fraud Dept. Yesterday I got the letter from their fraud Dept. informing me that there was " no fraud '' and that my money would not be replaced. I don't see how they can say there was no fraud. The card was stolen from my wallet by my XXXX XXXX while I was in bed with the XXXX virus. I also had 2 minor XXXX. This person stole my car on XXXX/XXXX/2021 and apparently she stole my debit card too. She also stole {$1800.00} cash from a safe and over {$10000.00} worth of jewelry, old coins, tools, and other items at the same time. On XX/XX/2021 my car was recovered an a few of the stolen items were in my car still. That's when I started doing inventory of my belongings and discovered the debit card stolen too. I also reported this to the police. The investigator that was assigned to my case is XXXX. XXXX XXXX. He is told me that the one who stole my stuff would be charged with a felony charges including state statue XXXX ( a ) ( 1-5 ) which is " financial transaction fraud more than {$500.00}. TD bank does not call it fraud though even with the police calling it fraud. The stolen card was still being used until the bank account was cleaned out. I done what I was surposed to do when I discovered the card was stolen. If TD bank would have de-activated the card when reported there would only have been {$55.00} of fraudulent charges instead of over {$2000.00}. TD bank made a mistake and didn't de-activated the card and instead of being honest about it they are blaming me for the fraudulent charges saying that the housekeeper must have been given the pin #. I DID NOT give her the card or a pin #. TD bank is treating me like I was the thief. They know that a mistake was made but they don't want to admit it. I reported the card stolen within 24 hours but the card was able to still be used by this thief until the account was emptied out. TD bank is unwilling to do anything about this. I done what I was surposed to do by reporting the stolen card in a timely manner. I should only be out of {$50.00} instead I'm out of over {$2000.00} because of the banks mistake. This is not right. They are not following the regulations of the federal gov. I have fully cooperated with the bank and the sheriff 's office and have agreed to testify against this person if it ever goes to court. I thought my money was protected but apparently when the bank makes a mistake the money is gone. That's what TD bank is saying anyway. I have been very disrespected by the XXXX XXXX of TD bank Everytime that I have tried to talk to someone about this. I hope and pray that your office can make TD bank do the right thing and give me my money back. They advertise " 0 '' liability on a charge that is stolen. This is a lie cause mine was stole and my liability is over {$2000.00}. I have all the paperwork concerning this event that I can mail you a copy of because I don't know how to send it through my phone. Please tell me where to send to and I will promptly send you a copy of everything that I have concerning this. Thank you very much for any help or advice that you can give me.
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| 06/05/2018 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I will stick to the black and white facts here to provide an objective history of what has transpired that has led to this complaint. Upon moving to XXXX, NJ, I received a promotional mailer from TD Bank claiming : " Open a TD Premier Checking account and earn {$300.00} when you set up and receive direct deposits totaling {$2500.00} or more within 90 days of account opening. '' I proceeded to call the branch listed on the mailer to inquire about the promotional offer - and in fact spoke to the branch manager on more than one occasion before opening the account. The branch being : XXXX XXXX XXXX, XXXX, NJ XXXX XXXX Branch Manager - XXXX XXXX My specific concern was around the terms of 'new personal checking Customers ' as there is HELOC account under my father 's name, with me as joint due to his elderly age status ( however the account specifically belongs to him ). At the time, I was assured by the manager that this would not disqualify me. Additionally, upon opening the account on the evening of Friday, XX/XX/2018, the banking associate confirmed ( verbally ) that this would not invalidate the promotion. It was further confirmed that the requirement to obtain the {$300.00} promotion was to have a cumulative total of {$2500.00} enter the account via direct deposits during the first 90 days ( that they need not be repeated direct deposits ). Though I can not recall with 100 % certainty, this was likely confirmed with telephone support in the early part of XXXX ( their lines are recorded so pull the logs ).
On XX/XX/XXXX a direct deposit of almost {$7000.00} hit the account and therefore met this {$2500.00} threshold. Since then I have dutifully waited for the bonus to post " no later than 125 days from account opening. '' When the time had passed I reached out to TD via their phone support and this is where the problems began to surface. On XX/XX/XXXX at about XXXX. EST I spoke with XXXX who claimed that because of the HELOC under my father 's name I do not qualify for this promotion ( but specifically confirmed that I met the direct deposit requirement ). I was then transferred at XXXX. EST to a supervisor of his, XXXX, who claimed that I now apparently have multiple historical personal checking accounts with TD bank ( untrue ) and the HELOC was not the reason for the disqualification. She informed me that I must reach out to the branch manager, XXXX, to sort the problem.
When I spoke with XXXX on the morning of Monday, XX/XX/XXXX, she informed me she would investigate and requested that I send her the details of the promotion. She no longer has a recollection of the conversations from XXXX, which is fair, though fortunately all these lines are recorded for security purposes. XXXX now claims that TD Bank only sends promotions like the one I received to non-existing customers. Therefore, it was not the HELOC under my father but some other reason. Upon touching base on Tuesday, XX/XX/XXXX, I was informed that I did not qualify because there was only one direct deposit and not multiple ( the opposite of what the phone representative informed me on XX/XX/XXXX and also back in XXXX ).
As this point I decided this was going nowhere and informed her I would file a formal complaint with the CFPB. From the above you can see there are multiple problems with the exchanges between TD Bank and me, the customer. Not only was I misinformed on multiple occasions as to whether I qualify for the promotion or what the actual requirements were ( they changed every time I called or spoke to a representative ), I was ostensibly sent misleading marketing materials. If they " knew '' I had an account at TD Bank, why would they send a promotional mailer address to me, by legal name, advertising this promotion targeted to me by name. ( I put " knew '' in quotes as there is an obvious lack of consistency in any sort of response as to what is going on with this account promotion. ) At this point in time words can not express the level of frustration associated with the feeling of a 'bait and switch ' on the promotion, the wasted time of speaking with multiple representatives who all contradict each other and the thought of how many times this must happen to other consumers that will not raise their hand to say this is wrong, misleading and unethical.
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| 07/14/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I write to complain about TD Bank. I have an outstanding dispute for fraudulent charges in the amount of {$1800.00}. I've submitted the dispute numerous times, including with an FBI report, and it's continued to be denied because " a pin was used. '' I have no idea how the criminals managed that, but they did - I did not make these charges. My understanding is that Regulations were passed ( including Regulation E ) to protect customers in this kind of situation. As I informed TD of my stolen card and information within hours after it happened, my understanding is that my maximum liability should be {$50.00}. TD is essentially trying to say that I'm lying and I need to PROVE that it wasn't me who made the charges, which ( a ) I don't know how to do and ( b ) I don't believe is how the law works. Here are the details : On XX/XX/XXXX, I was visiting XXXX XXXX for the weekend. Sometime in the early morning ( maybe XXXX XXXX, I'm not sure exactly of the time ) on XXXX XXXX, I was pickpocketed. The criminals stole both my wallet and my phone, somehow got into my phone, changed my XXXX XXXX password, remotely wiped my home XXXX, changed my XXXX XXXX to their own face and got into every financial app on my phone. They used my accounts in various ways, including adding credit and debit cards to XXXX XXXX and then buying things online, withdrawing cash from my checking accounts ( and I believe cash advanced one credit card ), electronically transferring money from my accounts, etc. Because they had access to my phone, when the banks would text my number asking for confirmation that these weren't fraud, the criminals simply said it wasn't and the spending spree was allowed to continue. I contacted my wife about this and she began calling all of my banks to inform them of the fraud and to lock everything down - meanwhile, I was flying back home with no identification, having to answer red flag questions, etc. On XX/XX/XXXX, I filed a police report electronically with the XXXX XXXX police, but have yet to receive a final copy ( which they said they would send once the report was accepted and finalized ).
At this point, every bank that I do business with ( including Bank XXXX XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX ) has refunded the money that was fraudulently taken, or reversed the fraudulent charges ( over {$20000.00} in total ) - except for one : TD Bank. TD Bank is my main checking account and I've been with them for 16 years. I disputed a total of 7 transactions that occurred on my checking account ( for a total of {$2800.00} ) : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - {$41.00} XX/XX/XXXX - Withdrawal ( XXXX XXXX XXXX, XXXX XXXX ) - {$500.00} XX/XX/XXXX - Withdrawal ( XXXX XXXX XXXX, XXXX XXXX ) - {$500.00} XX/XX/XXXX - XXXX XXXX Transfer - {$200.00} XX/XX/XXXX - XXXX Transfer ( XXXX XXXX ) - {$1000.00} XX/XX/XXXX ( posted XXXX ) - XXXX XXXX XXXX - {$200.00} XX/XX/XXXX ( posted XXXX ) - XXXX XXXX XXXX - {$400.00} TD Bank acknowledged the fraud, in that they refunded me the {$1000.00} XXXX Transfer. That being said, they denied ( and continue to deny ) my claim for the remaining {$1800.00}.
Subsequent to my initial disputes and police report, I was able to regain access to my XXXX XXXX and tracked down additional information ( phone numbers and shipping addresses ) that I believe identify the people who stole from me. I've tried to contact the XXXX XXXX police to supplement my police report, but they have not gotten back to me at all. So, on XX/XX/XXXX, I filed a cyber crimes complaint with the FBI on www.ic3.gov. A copy of that complaint is attached. I then submitted this complaint to TD Bank as further evidence of the crime, but still they deny my claim. I'm a lawyer, and certainly wouldn't risk my law license filing a false FBI report and lying to the bank to try to scam them out of {$1800.00} - it's ridiculous. Unfortunately, no one from TD has contacted me to ask any questions or to follow up. Just form letters denying my claim because " a pin was used and there's no indication as to how the pin was stolen. '' I can think of several ways they may have deduced my pin, but I'm not an investigator and that's really not my job - all I know is that I was robbed and defrauded, and TD refuses to make it right.
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| 05/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
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On XXXX I was informed through a credit monitoring service that my credit rating had been negatively impacted by a late payment to TD Bank for overdraft protection. Specifically, the amount of credit line used was {$2100.00} - late by 120 days. I was unaware that I had an active joint checking account with overdraft protection with TD Bank and reported it as fraud. An investigator with TD Bank concluded it was not fraud because he had a record of my signature agreeing to overdraft protection from XXXX with a bank ( XXXX XXXX XXXX ) that later merged with TD Bank. I did affirm that it was my signature, however, it was on an application and not a contract as stated and had no terms or conditions, no fee schedule, no interest rate, no information about a minimum balance for the associated checking account, or any information about the co-signer attached. The reported date in XXXX was in conflict with another record provided by TD Bank stating that the overdraft account was opened XXXX
Speaking to several bank representatives, I discovered that the original joint checking account had been opened in XXXX with XXXX XXXX XXXX but that the signature card associated with the account pulled another customers signature from PA. There was no signature card for myself or the co-owner associated with the original account number. I believed that this checking account had been closed in XXXX and I had not received any notice at any time from TD Bank that there were funds in the account or that there had been a merger. Nor did I receive any bank statements showing that the money in the account had been reduced to a negative balance of {$49.00}, and that the overdraft fees had accumulated to over {$2000.00}. In fact the address that TD Bank had on record ( a street address ) was not a mailing address - being located in a rural area, residents were given postal boxes for mail to be delivered. Moreover, I had moved from that address in XXXX and never received any forwarded mail from TD Bank.
In accumulating their fees, TD Bank charged the checking account until the funds were gone. At that point they withdrew funds from the overdraft protection to pay the fees and then to pay the interest on the amount of money withdrawn from the overdraft protection line of credit. This circular pattern of the bank paying itself continued with increasing dollar amounts until the credit limit of {$2000.00} was eventually reached.
Without my affirmative consent, I believe TD Bank opened an overdraft account in my name based on an incomplete application and approval letter. Further, they attached fees to the checking account which started with a positive balance of {$1700.00}, until it was discharged at a negative balance of {$49.00}. When I requested the fee schedule, terms, interest rate, annual fees, minimum balance requirements, and monthly payments for the checking and overdraft accounts, they could not produce any records, reporting that there were no other records from the merger. They stated that the terms had been grandfathered '' after the merger with XXXX XXXXXXXX XXXX but could not produce any records to this effect either. When I asked why fees were able to accumulate over a 13 year period without turning the funds over to the state after the account stopped all external activity, I was told that I had signed an agreement to pay an annual fee in addition to a minimum balance fee which was considered customer generated activity. They could not, however, produce any documents to show that I had been made aware of and agreed to these terms.
Over the course of five weeks, I have made numerous calls to TD Banks discharge checking account and loan servicing departments, made multiple visits to branches in both Massachusetts and Vermont, and sent certified letters to the Senior VP of Customer Service and Operations Center. There has been no resolution to date. Under pressure, I paid off the balance of the line of credit to avoid defaulting on the loan and making my credit rating even worse. With the payment of fees to TD Bank, I have paid almost {$4000.00} ( {$2200.00} in overdraft fees and {$1700.00} in checking account maintenance fees ). I believe all fees should be reversed, a refund given in the same amount, and my credit restored.
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| 04/01/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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First Name : XXXX XXXX Name : XXXX Last Name : XXXX XXXX : United XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX City : XXXX XXXX : TX XXXX : XXXX Phone : XXXX E-mail : XXXX What is the best way to contact you?
Phone, E-mail When is the best time to contact you?
Morning, Afternoon, Evening Name of MY Financial Institution or Company XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX City : XXXX XXXX : GA XXXX : XXXX Phone : XXXX Have you tried to resolve your complaint with your financial institution or YES If Yes, when?
XX/XX/2021 How?
Phone Has the financial institution responded to your complaint?
YES If XXXX, when?
XX/XX/2021 How?
Phone I am part of an ongoing consumer fraud case on a large scale. I was defrauded XXXX XXXX on a boat purchase through a consignment company called XXXX XXXX AZ, XXXX. This transaction was set up on XX/XX/2021 through a posting of a boat for sale on XXXX XXXX XXXX. I reached out to the seller that directed me to the consignment company with an inventory number. I went onto XXXXwebsite and put in this inventory number. The boat came up that we were discussing. I was directed to set up a transaction request with the company on their website. Later on that day I was contacted by a sales associate of XXXX XXXX Az XXXX XXXX XXXX XXXX XXXX. He then ran through the information of the boat and sent me the buyer 's contract through the website via email. I signed this agreement and sent it back to the company. At this point, I had to set up a transfer from my bank XXXX XXXX Georgia to TD bank in XXXX Florida. Bank XXXX as follows : XXXX XXXX XXXX, XXXX, FL XXXX phone number ( XXXX ) XXXX *I have all banking information for that account at XXXX as well upon request* I contacted my bank on Monday, XX/XX/XXXX to set up the transfer. Before I went forward with the transaction transfer, I spoke with the wiring room about the protections I would have for this transfer because of the amount being XXXX and was pretty much all of my savings for said investment into a fishing boat. They stated the transfer will go through the fraud system to check that the information isn't a red flag and that if the company were to take my money and run that I would be protected through their fraud department. I stated that if my money isn't protected I would not go ahead with the purchase. The individual setting up the transfer said yes, of course, you should be like but no worries. You will be ok and covered. I said awesome, go ahead with the transfer. I received a transfer confirmation email too which I sent over to the company to show payment so they can then ship the boat to me for inspection. This company offered a XXXX-day return policy after the delivery similar to a lot of companies during covid XXXX. Unfortunately, after the company received the funds they halted all communications with me. I requested a refund via the company page as I was unable to get through via phone with XXXX XXXX. I then followed up to call the bank to return the funds as they stated they would in the event of consumer fraud. The individual on the phone said we can try and request a return of funds but no guarantees. I was a little upset as this is not what I was told previously. I requested for this to go to the fraud department and for all phone recordings to be listened to. XXXX followed up with me on Monday, XX/XX/XXXX telling me that they reviewed the phone calls and recordings and apologized that the agent was wrong about the protection of my funds. She stated that training and coaching will be provided to said person. To me, this is unacceptable as I am now out of XXXXXXXX XXXX and now reporting this case to the FTC, XXXX, local police, now the OCC. I would like someone to step up and contact this bank to get the money that I was told would be protected and safe and wasn't. I just want my funds returned to me from this purchase. I am willing to speak in person about this as I am in the process of getting legal representation from the Attorney General 's Office of Texas for consumer protection. Once I have the representation they will be in contact with XXXX XXXX Georgia for the release of the voice recordings so that I can go after the restitution of my refunds. Please help wherever you can please.
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| 11/15/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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I had been paying my monthly mortgage payment ( ~ {$5500.00} ) on time. I generally schedule an electronic payment of {$5600.00} to be paid on the XX/XX/XXXX of each month. However, in XX/XX/XXXX TD Bank, after doing revised escrow calculations, increased the monthly mortgage amount. They say they sent me a letter informing of this ( which letter I have not received ).
On XX/XX/XXXX, when I called TD Bank in response to a voice message they left for me, I was informed that the bank had not received my payment that was due on XX/XX/XXXX. I informed the person that I had paid {$5600.00} on XX/XX/XXXX already. I could also see the payment on their online portal and I also had an automated email that I had received from the bank with a confirmation number at the time I had scheduled the payment. The person was unable to locate this {$5600.00} payment even after a few minutes but explained that as a result of new escow calculations, my new payment amount as of XX/XX/XXXX was supposed to be {$5900.00} and that they had sent me a letter informing me of this ( which letter I did not receive ). He said he was guessing that since the full payment was not made, perhaps the system did not recognize the XXXX payment. In any case, I should pay the remaining {$310.00} and then things would be sorted out. I pointed out that I have also scheduled a {$5600.00} payment for XX/XX/XXXX. He said that in that case I should make an extra payment of {$620.00} ( not {$310.00} ) and that starting from XX/XX/XXXX, I should pay {$5900.00}. I asked if the bank was levying any fines on me, and he said if I would just pay {$620.00}, that is all that would be required.
I then attempted to pay the {$620.00} for a date of XX/XX/XXXX but the request was rejected by TD Bank 's payment system -- it said there is already a payment scheduled for that date. So I was only able to schedule the payment of {$620.00} for XX/XX/XXXX ( the next business day ). To make doubly sure that this would settle things and to inform TD Bank that the payment of {$620.00} was only scheduled for XX/XX/XXXX ( and not XX/XX/XXXX ), I then called TD Bank again and reached the same person. He assured me that if I had scheduled the {$620.00} payment for XX/XX/XXXX, then everything would be fine and I did not owe anything else. There is a fine on the account of {$190.00} but he would request that it be taken off.
I then wrote to TD Bank asking them to please communicate with me on email and provided my email details. They responded that this was not possible. ( This implies that this kind of lack of communication has a potential to happen in the future also ).
After this, I found out on XX/XX/XXXX that TD Bank has reported to credit bureaus that my account is delinquent by {$190.00}. As a result, my credit score has plummeted.
I hope this explains everything. I would also like to point out that : 1 ) TD Bank has charged me {$190.00} fine for a shortfall in payment of {$310.00} by 1 month. This is a hefty charge that is completely unjustified and completely unfair. They are gouging a customer because that fine amounts to 733 % p.a. which is exorbitant by any reasonable measure.
2 ) The bank continues to hold escrow and I am fairly sure that the escrow, on average, is more than {$310.00}. So it is not as if I was delinquent on the whole and that the bank need have worried about inability or unwillingness on my part to make a payment.
3 ) The continual inability of the bank to communicate using email does not help.
4 ) The process of setting up automated payments is cumbersome. It can not be done online. With my previous lender, I had authorized them to withdraw the necessary funds from my checking account, so this kind of issue never arose.
I reached out to TD Bank with all of the above background and justification but they say they can not do anything.
I would like to know how it is that TD Bank can get away with this kind of aggressive and unjustified behaviour, ruining my credit report in the process, all caused by communication problems. They lag other major banks like XXXX and XXXX on communication due to technological or other process issues and would like to charge me this exorbitant fees to cover up their own short-coming.
How can the CFPB help?
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| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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TD AUTO FIN, XXXX, and XXXX continue to report deceptive information onto my consumer report. The information is deceptive and misleading. TD Auto Finance alleges I owe a debt that has not been validated as accurate. Before a creditor can report an alleged debt it must be validated and verified as accurate. There are several inconsistencies within the account that is being reported.
Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX 15 U.S. Code 1692g - Validation of debts U.S. Code Notes prev | next ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).
( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State la 15 U.S. Code 1692j - Furnishing certain deceptive forms prev | next ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter.
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| 02/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I prepaid XX/XX/XXXXproperty tax on XX/XX/XXXX. The property tax is escrowed with TD Bank, I called TD to request a rate analysis and not to pay my XX/XX/XXXXproperty tax as it was already paid. TD bank at XXXX XXXX NJ branch and their online banking provided the procedures to apply for rate analysis and stop paying XX/XX/XXXXproperty tax. I submitted my request to TD Bank through 3 channels : 1. I messaged TD on XX/XX/XXXXvia their online banking ( with records ) ; 2. called their mortgage dept ( XXXX ) on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; 3. faxed their mortgage dept on XX/XX/XXXX through their XXXX XXXX ( with records ) for the request as I do not have a fax machine. In the fax, i provided the receipt of the property tax as proof of payment as part of their procedure. I also called and followed up with TD bank on XX/XX/XXXX and confirmed they received the request, the agent stated it would take a few days to process but confirmed he has put in the request in system to stop paying property tax and rate analysis while he was trying to sell me their credit card. He said I should receive the notice for the rate analysis in 2 to 3 weeks. I called again when i didn't receive the notice, the agent this time then said they do not send notice but confirmed they received the rate analysis request and was being taken care of. However in XX/XX/XXXX, i noticed TD bank continue to pay the first quarter property tax to the township and on XX/XX/XXXX and XX/XX/XXXX they also charged me monthly loan + interest+ property tax. When i asked them about the rate analysis request and why they continued to pay the property tax, the agent was rude and said they were too busy and the whole XXXX prepaid tax and they had no time to take care of these requests. She also said they only received my rate analysis and stop tax request on XX/XX/XXXX while the property tax was distributed on XX/XX/XXXX. Because she was so rude, so I requested to speak to a manager ( XXXX XXXX ), he seemed nice and said he wasn't sure what went wrong, and he couldn't find records of rate analysis or stop tax request. So I told him i had the fax and online messages record, he asked me to email him the fax record and if I did have proof to show i had such a request, they would need to refund me the property tax / extra mortgage they charged. 3 days later, I didn't hear back from the manager after emailed ( with records ) him the fax proof, so I called again and left a few messages and asked him to return my calls and he never did. When i called again, the agent said XXXX claimed he called me but no answer on my phone, i checked my phone records but I never got a call from him so I requested him to call me and left another 2 messages but still never got his return call. Then I asked to speak to another manager named XXXX, he now said he never received the rate analysis and they would continue to charge the loan plus property tax and continue to distribute the property tax until they would do the rate analysis which could be in XX/XX/XXXX. I told them they are overcharging my account as property has been fully paid and I had records to prove that I submitted my requests. I also told him that 3 agents have confirmed they received the stop tax payment and rate analysis requests. Then his story changed to " we did receive your request but we rejected it twice '', so I asked why no one informed me that they rejected and on what basis TD is allowed to reject? and the fact I already paid the full property tax in XX/XX/XXXXwhile they charged my account for property tax, I asked where did the money go, at this point, he kept saying he has no answer for me and he doesn't know what to say to me. I asked for his full name or employee ID, he refused as he said its confidential, FYI, I talked to this person XXXX at mortgage ( tel XXXX XXXX XXXX ) on XX/XX/XXXX at XXXX. As of now, no one called me back and followed up at TD bank, when I then messaged on line banking, they just asked me to go back to the same department with no follow up either. since i already paid my XXXX property tax, i dont have a personal budget for it anymore while TD continue to charge me, essentially doubling my expenses, and they should refund me the overcharged amount.
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| 09/21/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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I had an issue with TD Bank regarding overdraft fees I was charged on my account for transactions that occurred throughout the weekend of XX/XX/XXXX - XX/XX/XXXX. I had an influx of expenses that weekend so I was being extra cautious in monitoring my account. Now I was continuously checking my balance and putting money into the account ( an excess of {$300.00} ) throughout the weekend to make sure that there were sufficient funds to cover the charges. As I continued to check the account, the available balance continued to remain positive. I was even budgeting for tips on restaurant receipts. Come Monday morning my balance was still positive. Same thing Tuesday, except it was even higher than the previous day 's balance due to a cash deposit of {$44.00} that cleared Monday morning. I was under the impression everything was fine. I even went so far as to put {$10.00} on my XXXX on Tuesday card because everything was all settled out at this point. It was n't until Wednesday ( XX/XX/XXXX ) that I was made aware of these fees/went back to see the order in which everything " posted. '' You can imagine my confusion as I was checking the account incessantly all weekend to avoid this very problem. I do n't understand how my available funds could not once have reflected a negative balance. I was completely unaware of this until was hit with {$70.00} in transaction fees. It was at that point my balance was negative {$52.00} ( which is indicative to me the account balance was positive before those fees were applied ). The point I 'm trying to make is the funds were technically in the account and I was very conscious in making sure they were. The account was only " overdrawn '' because of the order in which TD books the transactions.I also do n't understand why cash becomes available for use immediately, but then becomes time sensitive relative to the posting of transactions. If the money is there it should n't be an issue. I feel that there is a severe lack of transparency here.
When I called to address the issue with the young lady from TD bank, I explained how I was extra cautious in monitoring the account over the weekend for this very reason and that I never once saw the balance go negative. She attempted to explain to me why I was charged overdraft fees when I did n't actually witness said overdraft fees, highlighting that it is somewhat " misleading '' the way I am able to view what is available relative to what is pending and what is posted. " MISLEADING '' - her words, not mine. I 'm incredibly frustrated that I monitored the account so incredibly closely to avoid a {$35.00} overdraft fee and I 'm then hit with two of them. She then proceeded to tell me that chances are I 'd be charged another overdraft fee for the XXXX charge on Tuesday. So it is my understanding that I would be over drafting on overdraft fees. It 's almost like they 're looking to maximize the amount of money they can get out of me in terms of fees based on the manipulation of " timing '' of transactions when there are actually sufficient funds present.
Personally I feel that the account is never technically overdrawn, it 's only overdrawn " on paper '' because of how TD books the transactions. ( I was an accounting major, I know as well as anyone you can manipulate financials to look however you want them to ). I was simply trying to do the right thing in making sure there were enough funds to cover all of my expenses, yet I 'm still charged an exuberant amount of money based on the times of things posted. I 'm a hard working XXXX XXXX XXXX working and going to school part time. I try my hardest to get by, but how am I supposed to get ahead when I 'm paying these astronomical fees. I honestly feel l like that money was wrongfully taken from me. I get it 's the " bank 's policy '' with respect to timing or whatever, but it 's wrong and these fees are egregious. I feel as though TD is taking advantage of me as a consumer and after dealing with this one too many times I will absolutely be moving my business entirely to one of the other banking institutions I currently deal with where this is n't an issue. Also let 's just note that this is a student account, nice to know they take advantage of students like this.
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| 04/27/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
Older American, Servicemember |
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On XX/XX/XXXX, I went on to my computer to my XXXX account which I do to check the balance amount because digital coins are so volatile. At that time it showed my balance to be approximately {$46000.00}.
I then proceeded on the XXXX site virtual chat room area to ask whether any tax information for XXXX was available and if so, how could I retrieve it from the site.
The virtual chat was responding and conversing with and they wrote " They wanted to verify it was me they were communicating with by sending a 2 factor authenication code.
The code they sent me was XXXX. Then they asked to call me to verify it was me they were talking to, so I gave them my cell #.
On XX/XX/XXXX I checked my cell phone 's recent calls and it showed a phone # of XXXX, XXXX XXXX, Ca. That person who called me said they wanted to make sure my account was secure and asked me to go to XXXX, which I did. Then I have written down on my notes XXXX.
On XX/XX/XXXX th, in the morning I checked my XXXX balanced which showed my balance at approximately {$1400.00}. At that time I realized I had been scammed.
I immediately contacted XXXX XXXX and asked them to freeze my account because I was scammed, which they did.
I then checked my TD Bank checking account and saw there were also pending withdrawals of {$2000.00}, {$500.00} and {$2400.00} totaling {$4900.00} out of my account. I immediately called my local branch of TD Bank and asked them to put a stop order on the pending withdrawals and advised them that I did not authorize those withdrawals and that I had been scammed. I advised them I would be immediately coming down to the their bank office. ( See Attachment A1 which shows TD Bank letter from their XXXX XXXX NJ office acknowledging the withdrawals mentioned above. I assume this is their Fraud headquarters office ).
I met with the TD Bank customer representative who got their Fraud department on the line and she explained the situation and what occurred and to insure they understood that my banking account had been hacked as well as my XXXX account and that the pending charges of {$4900.00} were not authorized to be paid. They then proceeded to close my personal accounts and credit cards and then my business account and debit card. they also changed my passwords for on line banking.
I also that day filed a report with FTC.gov ( report # XXXX ) On XX/XX/XXXX I went to the local police dept. to report the fraud claim ( see attachment A2 and A3, the incident report, case # XXXX ). The detective that came out to my home to interview me and see the evidence I had of the scam. The detective had sent a summons to TD Bank and to date they have never responded. He has since followed up and still has not gotten a response from TD Bank!
Also attached ( see attachment A4 ) is 1 of 3 letters from TD bank dated XX/XX/XXXX upon which I have written notes. On this attachment you will see in the last paragraph of this letter it states " you have the right to request documentation, if any, used to make this decision. '' You will also note in the 3rd paragraph that the monies ( XXXX XXXX ) would be taken from my account... .which happened on XX/XX/XXXX.
Neither the bank or any of its representatives ever telephonically or wrote to me regarding the unauthorized charges.
On Saturday XX/XX/XXXX, I called the banks 24 hour # and asked to speak to someone in the Fraud dept. they were unavailable. Thus she advised me she had file a form with the Fraud dept. requesting they furnish me the back up info. I followed up on on XX/XX/XXXX and was advised " they have your request and are still working on it. On XX/XX/XXXX I called and was advised by a person named XXXX that she could see any progress or request so she said she would file another request and that their normal time to get a response was 7 - 10 business days.
Attached please see attachment A-5 a copy dated XX/XX/XXXX XXXX my XXXX account, you will notice they advise my that they have not been paid by TD Bank.
It is obvious to me that if TD Bank has taken {$4900.00} out of my personal account and with no authorization from me and XXXX claims they have not received any monies that I am now being scammed by TD Bank which should have never take my money.
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| 04/06/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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1-I was a customer of Target Red Card since XXXX. With no problems. The Card was cancelled at the end of XXXX for lack of use. I did not shop because of COVID. I could not get out because I am XXXX XXXX veteran and my husband was working as a XXXX almost every day on a COVID unit.
2-I requested my account remain open. I was approved and sent a new card and a {$40.00} gift certificate that I did not use. ( BTW more money than the {$30.00} they reported I did not pay to the credit Bureaus ).
3-I made a small purchase for my Grandchildren with my daughters assistance.
4-I waited for the bill but none arrived. I logged into my account on line to try to see what the balance was. My account balance said XXXX balance due. I was able to log into the account however at the time I did not realize it was the old account information, It appears that Red Card somehow combined the closed account with the new account, but did not update the site. Since it was a new card, I was not sure about closing dates and when I should expect a bill.
5- I finally received a paper bill in the mail that arrived after the due date. I called Red Card customer service and explained I did not receive a bill. I was concerned about my credit rating. The Red Card Customer service representative I spoke with assured me there was no issue if it was less than 30 days late. I paid the total amount due on the bill.
6- At this time thought everything was resolved. Little did I know they added a {$30.00} late fee to the account.
7 I am usually very diligent with paying my bills and maintaining a good credit rating. I am XXXX years old ; I never had any negative reports to my credit record, and my score was well over 800. When I was attempting to resolve these issues, I was having medical problems. I had a XXXX XXXX that would not clear up. It caused me to have a XXXX XXXX which caused problems functioning. ( I have XXXX XXXX ( XXXX XXXX and any XXXX causes me to have XXXX and XXXX XXXX XXXX ). At the same time, I had a XXXX XXXX granddaughter that was born with a XXXX XXXX XXXX that can cause XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. She was in and out of the hospital ; for tests/treatment. To add to the stress my XXXX-year-old granddaughter kept having her XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Additional stress, and again influences the XXXX and XXXX XXXX of the XXXX XXXX It has been a challenging few years. this just adds to the rough time we all are having.
8- During this crisis I received another bill with another late fee. I called Red Card customer service again to complain. I spoke to at least 4 different representatives with my concerns and said I want to close my account because these things keep happening. A supervisor reassured me it would be fine and explained all the benefits of keeping to account opened. She removed all the late fees. I was again reassured that it would not affect mt credit rating because it was not 30 days.
9- A few days later I received an email from My XXXX XXXX XXXX card credit monitoring I was enrolled in advising me that I had a negative comment on my credit. I knew it had to be from the Red Card because I had no other issues with any other accounts.
10. I called the Red Card Customer Service again. Initially the person that answered the phone assured me there was no issues. I was insisted that there must be. They checked the account and found the problem. They said they could not do anything about it and gave me the address to send a letter to.
11. I sent a letter on XX/XX/XXXX to Red Card services to try to resolve the issue. Their response was the information was correct that was provided to the credit bureaus.
12. There were no financial reasons why I could not pay the bill The late payment was impacted by my mental and physical problems ; I believe the main cause was : 1. Not receiving bills on time, or an email follow up message.
2. Adding the Late payment without notification 3. Giving me the wrong information on the numerous calls I made to Red Card Services.
4. An online account with confusing entries and misinformation.
5. Notifying credit burau as a bad depth for only fees.
|
| 06/29/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Nordstrom rack credit card by td bank. I asked for confirmation of debt. Let me refresh your memory. The only legal confirmation of debt is the physical wet ink signatures. This bank sent me a billing statement, volcher, coupon. The also said the debt was verified. I asked what was the name of person, position in company, phone number, email address, mailing address, and how was it verified. This bank seems to not want to answer my questions. So this means to me its not verified and they are giving me the run around.
Send me a detailed bill so I can see it. Also answer to the consumer finance protection bureau not me.
I, XXXX XXXX XXXX XXXX Authorized Representative, am sending the coupon of the accused summary to td bank as payment for what you claim I owe. I have recently learned that a coupon is a way of paying according to ucc 3-104. I noticed that you have sent me these coupons and asked me to remit them with another check or money order and then you have redeemed both. That is double dipping of course and is illegal.
Im potentially willing to overlook this crime as long as you accept this legal form of payment, so I am sending the payment coupon to be accepted as payment per ucc 3-603 ( B ) if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and tender is refused, there is discharge to the extent of the amount of the termination of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
If you reject the payment coupon or claim to have shred it, I still expect you to follow the law and discharge the debt.
Here are some definitions to clarify what I am talking about just to reference state statues if you need a refresher.
Billing statement : is a monthly report that credit card companies issue to credit card holders showing their recent transactions, monthly payments due, and other vital information. Billing statements are issued monthly at the end of each billing cycle.
Payment documents means any of the following documents submitted by the customer to the bank : ( A ) payment order, ( B ) a cheque ( C ) an application to disburse cash, if the purpose stated by the customer is cash disbursement, ( D ) an application/agreement to buy and/or sell foreign currency, ( E ) a debit payment order drawn up and signed by the beneficiary ( except other banks, credit institutions and state institutions ) where there is a written consent of the customer for the settlement of debit payment order ; Coupon : a coupon or coupon payment is the annual interest rate paid on a bond, expressed as a percentage of the face value and paid from the issue date until maturity. Coupons are usually referred to in terms of the coupon rate ( the sum of the coupons paid in a year divided by the face value of a bond in question ). A certificate attached to a loan instrument that can be separated from the instrument and presented after specified time for the collection of interest.
Bond, bearer : A negotiable instrument payable to its holder.
Instrument : A written legal document such as a contract, lease, deed, will or bond.These instruments are worth their face value so the amount to be discharged will be the amount I have written on the volcher. If you refuse to accept a negotiable into will send the Irs a XXXX and I have enclosed a copy of my fee schedule and I will be entitled to collect accordingly to the amounts listed on my fee schedule.
Volcher : a small printed piece of paper that entitles the holder to a discount, or that may be exchanged for goods and services.
Banks can not loan money per book federal reserve called money modern mechanics. Banks take peoples signatures promises to pay and exchanges them for credits. Book keeping entries.
The credit river decision case Daly vs bank of montgomery exposes bank fraud case number 38N-12-6858CI.This was such a strong case the judge was found dead what looked like a boating accident but had posion in his body, which I also have affadavid all debts are prepaid. The banking system sounds like fraud to me.
By : XXXX XXXX XXXX XXXX ; Beneficiary Ucc 1-308 Without recourse
|
| 05/27/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
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I set-up an online payment on XXXX / XXXX / XXXX using checking Routing : XXXX Checking Acct # : XXXX in the amount of {$170.00} to post on XXXX / XXXX / XXXX . This was a new checking account number as previous payments for the past XXXX years were withdrawn from Router : XXXX Checking Acct # : XXXX . I decided on XXXX / XXXX / XXXX to cancel that payment to pay more instead. Therefore, I cancelled a payment for {$170.00} and paid {$3200.00} using the same Checking Acct # ending in XXXX . In addition to this payment, I had set-up additional payments previously for {$150.00} on XXXX to withdraw on XXXX , and another {$150.00} on XXXX to be withdrawn on XXXX using the same Checking Account # ending in XXXX . Therefore, there were a total of {$3500.00} in payments that were scheduled to be withdrawn that I authorized. The payment for {$3200.00}, and another payment of {$170.00} were returned due to invalid account. In addition, I received an email notification from Target that the XXXX payments of {$150.00} each were cancelled. I contacted Target on XXXX and advised the Representative of my error in setting up the new checking account information and that I had set-up a {$500.00} payment with the correct checking account ending in XXXX XXXX although only {$280.00} was due by XXXX ) and once I confirm that the payment is withdrawn from my new checking account, I would make another {$1500.00} payment. The Representative advised that it was fine and he credited the {$27.00} fee, per my request. I confirmed that the {$500.00} was withdrawn from my checking account and proceeded to make an online payment for {$1500.00} as promised. When I attempted to make the payment online on XXXX , I received a notification that the payment method was blocked. I called Target during the morning of XXXX in which I informed the Representative of what occurred previously and requested that the block be removed. The Representative removed the block while I was on the phone and I made the additional {$1500.00} payment. That afternoon on XXXX , I received XXXX letters in the mail both were dated XXXX from Target. XXXX indicated that I needed to contact them because a recent online payment could not be processed. The XXXX letter advised that due to multiple returned payments, my target account was closed. I notified Target again on XXXX and informed the representative of what occurred. I even advised him that during both times I previously called, no one informed me that my card was closed and that Target continued to accept my payments. The {$500.00} payment was made by the due date. He advised that my account was permanently closed and could not be reinstated. I asked to speak with a Supervisor, who informed me that because the account was closed due to multiple returned payments and it was not Target 's mistake, they could not reinstate my card. I advised her that I never had any history of returned payments until recently. I 've had this account for approximately XXXX years ( my very XXXX credit card ), and that no one informed me about my account being closed when I previously called, nor does it indicate that online nor the automated system. Rather, I received a letter in the mail ( after paying {$2000.00} ). I asked to speak with someone higher and she advised there was no one else. I pleaded with her to please reconsider as I have never had any issues with my card in the past XXXX years and the initial error was on my card. However, Target failed to inform me accurately and timely when I contacted their office. In, I noticed today that Target removed my paperless option online, without informing, which I added it back after I paid today. The Representative advised that the call will be reviewed, but there was nothing else that she could do at this time. I asked to speak with the Disputes Department and she advised that the Disputes Representative informed her that they would not reinstate the card because it was not an error on Target. I informed the Supervisor that if she could not assist me in reinstating my card, then I would be filing a CFPB Complaint. Thank you, XXXX XXXX
|
| 06/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
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TD bank inaccurately reported a charge-off/derogatory account to Credit Bureaus significantly damaging my credit score which has resulted in my inability to get a mortgage loan pre-approval from XXXX. TD Bank must take responsibility of their poor customer service and mistakes and immediately remove the credit reporting against me.
Ive been mistreated by TD since XX/XX/XXXX. I have called TD over 30 times between XXXX and XXXX, and have spent countless hours being transferred from department to department, talking to numerous agents without any satisfactory support and resolution. I have attempted to file numerous dispute without success which have been outside my control given the circumstances.
In XX/XX/XXXX, there was an unauthorized one-time charge of {$60.00} placed on my TD Credit Card account, which was closed and expired since XXXX. My expectations as a customer is that charges and activity are not permitted and should not go through on a closed account from XXXX. Starting in XX/XX/XXXX, I started receiving calls from an unknown number claiming I owed money on this expired credit card account. Afraid that it would be fraud, I called TD Credit Card Customer Service a few times to validate the existence of the charges and was assured that because this account has been closed since XXXX, there could be no charges against it and thus no actions needed from me.
However, the collection calls continued into XXXX and thus I got in contact with my home branch assistant manager XXXX XXXX to further investigate. It was at this point that XXXX was able to locate my credit card account number ( which had been re-opened by TD without my authorization ) and shared it with me so that I would have this account number for future TD CS interactions. After hours of investigation, XXXX did uncover that a one-time charge of {$60.00} was put through on my expired credit card and filed a dispute on my behalf. In XXXX, XXXX and I discovered that TD Card Services closed the filed dispute stating that they received no response this is when we discovered that TD had an old address on file and all letters sent were to an incorrect address which I never received so I did not receive any notice of charges on the expired credit card. On XX/XX/XXXX, XXXX updated my mailing address so I am able to receive mailing correspondence from TD. On XX/XX/XXXX, I also re-opened my dispute and faxed in a dispute letter to TD. I called a few times in XXXX to follow up but was told that the decision on my dispute can take up to 30 days. When I called back on XX/XX/XXXX, I was notified that my dispute was rejected as TD does not accept disputes on charges that were made in XXXX that the dispute will only be in consideration if the charge is within 30 days of the date of transaction notice. Given that this credit card account had been closed since XXXX and TD did not have my correct address until XX/XX/XXXX, this dispute decision and treatment was extremely unfair to me as I did not receive any statements or notice of this charge until XX/XX/XXXX after Assistant Branch Manager XXXX XXXX rigorous investigation. At this point, despite being treated unfairly and extremely dissatisfied with TD customer service, I paid the unauthorized charge of {$60.00}.
While I had thought this payment would close this series of nightmare with TD, I was notified by my loan officer on XX/XX/XXXX that he is unable to provide me a mortgage pre-approval letter given the significant drop in my credit score as TD reported a charge-off/derogatory account to Credit Bureaus. I have called TD numerous times on XX/XX/XXXX and XX/XX/XXXX and have spent hours on the phone with different departments without any resolution. I have been told that I can file a dispute with TD but that I would need to have account statements and receipts showing account has been paid off paperwork which I can not access given that my credit card account has been closed since XXXX and I have no online access to this account. I have requested to speak with supervisors given the ridiculousness of the situation but I was told that there is nothing CS can do. Its been a big black hole and my credit has been damaged due to TDs series of errors.
|
| 12/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
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Web |
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TD Bank stole over {$14000.00} of my personal money in XX/XX/2023. I had XXXX checking accounts and XXXX savings account. I created a new checking account ( # XXXX ) and transferred the money from the first checking ( # XXXX ) into there, then used # XXXX for incoming customer payments for big constructions jobs. # XXXX was emptied out almost right away and used for the services we were paid for, but the money in # XXXX and my savings were mine previously and have been accruing for years, long before I started taking wires.
The bank LIED and said I withdrew money that wasn't mine, and took the remaining from my account and closed everything. When I ask them for old statements, the fraud department says they can't tell me anything over the phone and I have to go into the location. When I go to the location, they say my account is blocked/closed by fraud and I will have to call them for any information because they apparently can't see anything.
I was working for a construction company and XXXX of my duties was to take payments from our clients. I was working on setting up a business account for my boss, but it was taking longer than expected. Since these are large sums of money, it would be too difficult to create a new account and have wires come to that so I agreed to use my own since I had a long standing relationship with TD. TD Bank LIED that there was an unauthorized payment that came in, even though it took a couple days for them to clear the money and we had to wait. I got that money out and we started service, but then TD bank STOLE MY PERSONAL MONEY and claimed it's because they already gave me the unauthorized cash. When I call the fraud department, they say they can't even give me previous statements unless I go to a TD location. I drive an hour and a half to get to one and I'm told they can't see anything and I have to call fraud. The fact that they can't even give me my statements, and every rep I've spoken to in MULTIPLE locations in MD, including high-level managers, have been extremely disrespectful and giving me run-arounds is proof to me that they are well aware they screwed up. This was not a scam, the bank didn't lose ANYTHING, I spoke to the person that LITERALLY MADE THE TRANSFER into my account and they say they haven't made any complaints regarding the money, yet TD took it upon themselves to XXXX me. Now there's a fraud alert on my SSN, so of course I got fired due to my company 's policies. I was left with {$0.00} and were it not for my other credit cards I would be homeless. I've already sold almost everything I owned just to make ends meet, my cards are maxed and accruing interest, I can't hold down a job because I had to sell my car when my house nearly got foreclosed and I can't afford regular transportation. Lawyers won't help because they're an international company and the amount they stole is too small to fight. This is for over {$14000.00}, it was my entire life savings, I had all of my money with TD because they were the most helpful up until this point.
All I want is my money back from TD before I lose the last of everything. I don't even want an apology or for their reputation to be ruined, but since they are now not even logging in their system when I make a call and are continuing to be abrasive, not to mention REFUSING to even give me my last couple statements of the accounts closed, I have no choice. I've already told them they're going to be reported but the person who took my call just laughed and hung up. The money they took wasn't even part of the transfer that was made that they claim is fraud, they took the money that was sitting in the account for years long before this transfer happened. They know very well that it was my personal money, that there is NO scam committed at any point, but they do not care and have gone above and beyond to make that very clear to me.
Please help me. I've run out of options. I no longer qualify for a loan, it took me weeks to find a bank that will even let me open a checking account with them to get direct deposits from a new job thanks to the FRAUD ALERT they put on my SSN, and worst of all my ailing mother is dependent on me so I can't afford to lose anything more.
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| 03/23/2023 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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Pursuant to 18 U.S.C. 8, 18 U.S.C 893 & 894, 18 U.S.C. 1028A, 15 U.S.C. 1605, 1635,1662, 1666b, 1692, & 18 U.S.C. 1962 I have been extorted! It appears that TD Auto Finance financed an extortionate extension of credit as I discovered my private property was stolen on XX/XX/XXXX at or around XXXXXXXX XXXX. After calling the local police department, I was informed that my private property had been " repossessed ''. I was very confused because I never gave authorized consent for TD Auto Finance to transfer my nonpublic personal information to any unauthorized third parties, meaning TD Auto Finance has committed identity theft. I called TD Auto Finance on XX/XX/XXXX and spoke to employee # XXXX and she informed me that in order to receive my private property back, I had to " pay '' {$10000.00} or they would sell my private property at a public " auction ''. This sounds like extortion and a violation of the Fair Debt Collection Practices Act under 15 U.S.C. 1692d ( 4 ). Because they involved unauthorized third parties, XXXX and XXXX XXXX, to steal my private property, that would meet the elements of conspiracy. TD Auto Finance failed to validate the alleged " debt '' pursuant to 15 U.S.C 1692g after being asked to send valid documentary evidence of an alleged previously " contracted '' debt. Employee # XXXX proceeded to tell me that I was " late '' in making payments but I believe they are improperly recording their books of account because according to my consumer credit report, this account was " charged off '' so I'm not sure how they are reporting " late payments '' when the alleged debt has been sold. Sounds like they may be guilty of tax and/or insurance fraud. I have never received any tax forms related to this account, nor did I receive the recission forms they were required to send under federal law. Pursuant to 15 U.S.C 1666b- timing of payments, " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' Further, because the private property was seized under the directive of TD Auto Finance, it appears they have violated 18 U.S.C. 894 as well, by collecting an extortionate extension of credit. I have sent TD Auto Finance a Notice of Claim and Intent to Sue and Opportunity to Cure. I have also sent them a Records Request for the following documentary evidence pursuant to 15 U.S.C. 44 : 1. Please provide the verified books of account for account # XXXX.
2. Please provide the original application containing the security instrument that was used to open this account.
3. Please provide the original retail installment agreement containing my wet ink signature alleged by employee # XXXX.
4. Please provide documentary evidence that I received the proper rescission forms that were required to be given to me pursuant to 15 U.S.C 1635.
5. Please provide validation of the alleged debt including the original instrument on the underlying obligation to be made payable if I was in fact loaned anything of value.
6. Please provide the warrant obtained for seizure of my private property.
7. Please provide the name and contact information of the man or woman with firsthand knowledge of the facts regarding this account who will testify under the penalty of perjury as to the validity of all produced documents.
8. Please provide me all tax documents related to this charged off account.
TD Auto Finance failed to provide a warrant for the seizure of my private property and is liable for depriving me of my civil rights ( 42 U.S.C 1983 ) of due process of law and to be free from unlawful search and seizure without warrant under the Bill of Rights Articles the Fourth and Fifth.
I am harmed and damaged by their negligence, incompetence, and criminality of law for invasion of privacy, theft, identity theft, extortion, conspiracy, violations of the Truth in Lending Act, Fair Credit Reporting Act, and Fair Debt Collection Practices Act.
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| 04/07/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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I met XXXX XXXX XXXX ( family possibly resides in XXXX, XXXX but he claims to have been in LA for the last 3 years ) through a dating platform called XXXX XXXX around XXXX. He posed as someone with a few photos ( though may have been manipulated ) and a brief profile summary stating he was into cryptocurrency. I have made XXXX aware of XXXX posing as someone interested in dating but is a con artist. XXXX XXXX personnel informed me that they would take every measure to remove his profile from their platform. When speaking to him over the phone, he comes off as having a mix of a XXXX XXXXXXXX and XXXX accent. He love-bombed me, stating he wanted to marry me, he loved me, he wanted to build a life together all within two weeks of having talked on the phone. When I asked for him to participate in a video call to confirm his identity ( within a few days of us talking ), he gave the excuse that he didn't want to jinx us not working out. I was persistent in trying to video call with him shortly after he claimed to have landed in XXXX ( though he could have been anywhere ) - he gave several excuses saying that we would meet in person soon. He persisted, within us talking for about a week, that I invest in cryptocurrency using XXXX XXXX. I was hesitant as I have limited knowledge of the optics behind cryptocurrency. He assured me he would guide me. He also stated that he was against extortion. After downloading an app called XXXX on XXXX, I made a deposit of {$100.00} ( with the Bitcoin ATM taking a cut of 20 % ). Within a couple days, {$80.00} was deposited into the XXXX XXXX. XXXX asked me click on a link he sent to see if I had a universal wallet within the XXXX XXXX platform. A few days after, XXXX persisted that I create ( XXXX ) a portfolio with a company called XXXX XXXX XXXX ( XXXX ). He was insistent on knowing about my investments with Next and called almost everyday from XXXX ( with one instance claiming he was in the ICU and I didn't hear from him for about 6 days and about a couple weeks later, a second instance, where he ghosted me for 5 days ). He put forward that I would have a portfolio manager ( went by the name of XXXX XXXX XXXX or XXXX XXXX ) help with my investments ( via text ). The payments I submitted over the month of XXXX, I believed and was told, being invested in a diversified cryptocurrency portfolio. I made the discovery on XXXX that XXXX XXXX XXXX ( or XXXX XXXX ) was an alias that XXXX was using ( due to the consistencies between his text messages to me and " XXXX '' text messages '' and pocketed my investments. I did not authorize for XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX or their organization to receive my finances genuinely slated for investment purposes. I have a series of text messages with XXXX and a separate series of text messages with XXXX XXXX XXXX XXXX XXXX XXXX the assumption is that they are the same person ) that I can submit as evidence. The aforementioned names ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX currently have my finances of {$17000.00} within an account at XXXX XXXX XXXX XXXXn XXXX I contacted XXXX XXXX XXXX on XXXX informing them that the person ( XXXX XXXX XXXX XXXX XXXX XXXX ) banking with them is a con-artist. In speaking with XXXX XXXX, him and his supervisor did a deep dive into the XXXX XXXX XXXX 's XXXX XXXX account & noted suspicious activity and informed that several others may have been conned into giving the aforementioned people finances. I asked if they could lock the account- XXXX assuring me that they account has been locked so no money can go in or out of the account and if approached by the federal authorities, he would comply with the investigation. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX have also withdrawn the {$100.00} from my XXXX account. I had informed TD Bank of XXXX in which the 13 transactions were submitted as disputes. I filed a complaint with the local police department and in parallel filed an XXXX complaint with the FBI on XXXX.
Please see attachment titled " XXXX XXXX '' which are all screenshots of communication as a " portfolio manager '' for XXXX XXXX XXXX from XXXX.
XXXX XXXX XXXX XXXX / XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Account # : XXXX Routing : XXXX
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| 01/16/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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XX/XX/XXXX - My bag containing my wallet w/TD Bank XXXX XXXX ID, Tile Wallet card ) phone ( w/ TD Bank app, XXXX, XXXX XXXX, XXXX XXXX, XXXX apps ) and Account Numbers fell from a XXXX carriage and was stolen on XXXX XXXX in XXXX XXXX.
XX/XX/XXXX - Emailed my domestic partner informing her of the theft and loss of all of my items ( attached ) XXXX - Fraudulent Transactions ensued between the dates of ( see attached XXXX, XXXX & XXXX ) Charges brought my account from + {$2000.00} to - {$750.00} ( ACCT NUMBER : XXXX ) Transactions occurred across both XXXX and XXXX boroughs and several municipalities of New Jersey at businesses of which I have no prior transactional history prior to the fraudulent charges.
XX/XX/XXXX : Corresponded with XXXX XXXX & tracked my wallet and phone 's location.
The wallet 's location changed frequently and later I would find correlated with the locations where the fraud transactions took place.
XX/XX/XXXX1 : ContacteXXXX TD Bank Fraud support and outlined the above events. They did not open a new fraud claim and asked that I visit a local branch for support in the matter.
XX/XX/XXXX : Last of the fraudulent charges process ( after I had already alerted the bank.
XX/XX/XXXX : Visited Branch located at XXXX XXXX XXXX and audited my account with a teller outlining the items in fraudulent charges from my transaction history ( eg liquor store charges, takeout services, taxis, exuberant charges made at XXXX, etc ) Also went through and highlighting in yellow the charges that fell within that date range that were authorized by me ( eg subscription costs, transactions where I used the card saved on laptop to make purchases ) and outlining the Overdraft charges in red ( see attached ) Left the account open in order for the claim to process, received copies of my report and started claim process.
XX/XX/XXXX : Closed the checking account # XXXX and opened current account # XXXX in order to retain my paycheck deposit, which was almost completely consumed by both the transactions and the subsequent overdrafted charges repeatedly issued by TD Bank during both the dates of the crime and post-filing dispute.
XXXX : Followed up both by phone and had several follow up appointments at the branch location.
During this time frame my first dispute claim was denied on the basis that I'd authorized transactions during that time frame, even though I'd walked the teller through those authorized transactions as stated previously.
XX/XX/XXXX : Filed a police report with XXXX 's XXXX Prescient and provided Detective XXXX with the following ( also attached here ) : My Government Issued ID TD Transactions from XXXX TD Fraud Claim Initiation Report for Purchases TD Fraud Claim Initiation Report for ATM Withdrawls Wallet location report from Tile Tracking Device inside stolen wallet My work message history from XXXX _ ( since the bank doesn't believe this was fraud ) _ Proof of Employment TD Bank 's Letter Denying my Fraud Claim Stolen Phone Claim Receipt ( XXXX Evidence that my bag was stolen ) The XXXX officiated the crime committed against me as a felony, Grand Larceny and began investigation.
XX/XX/XXXX - Filed complaint with FTC and FTC sent letter on my behalf asking for a follow-up on my request to " Restore any funds withdrawn from my account without my authorization. '' XX/XX/XXXX -present - Never received a written response from my letter, never received compensation for the funds lost, nearly lost my home due to financial destitution caused by these events, never received compensation for the I opened the case back up two more times, sent them the police report along w/Tile Tracking history and XXXX XXXX XXXX XXXX XXXX XXXX email history, meetings, and other communications proving that I was working in XXXX throughout the dates on which fraud occurred.
I also sent them the three credit freezes and identity theft reports issued to all three credit bureaus, alongside an affidavit for my stolen phone containing my banking information.
They have repeatedly denied my requests to communicate with the 3rd party repeatedly denying my dispute claims, therefore denying my rights to represent my case.
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| 09/04/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I applied for a HELoan in XX/XX/2022 with TD Bank as an individual female applicant. Prior to applying, my spouse ( XXXX XXXX ) went into our banking office to ensure he understood TDs underwriting and processing standards as both of us are in the banking industry. The primary question asked was what type of appraisal will be used. The response was an AVM. Given our market, he then asked if we did not agree with the AVM value could we at our own expense have a walk through appraisal performed. TD told him yes. I then applied online. We went into the office the next day to have something notarized and again at that interaction with the BankeXXXX I confirmed we could have a walk through done. Following my loan submission XXXX XXXX XXXX contacted me and I explained the specific details of what I wanted to achieve with my transaction. I again asked at that point in time if the appraisal from AVM came in low, could I have a walk through appraisal conducted? He said yes. I said I understand that would be at my expense and he concurred. Fast forward, and I submitted docs and worked with a processor, XXXX XXXX. Again I asked XXXX when we spoke about the appraisal. She stated that we could have a walk through done and if the home value was less than XXXX, TD would pay for the appraisal. Eventually the appraisal came in in XXXX. It was substantially less than what it should have been based on the market. I spoke with XXXX and received the value and expressed we wanted to proceed with a walk through appraisal. He said he would look into the process to order it. At this point there were also communication issues between the processor and the MLO, so I had to resupply emails to XXXX, XXXX XXXX and he had to figure out why documents Id submitted had not been sent to my file. In this email I expressed we wanted to proceed with the walk through appraisal. At that point in time, XXXX for the first time said that the only way to have a second appraisal would be if we showed improvements or that there was an issue with the square footage of the home. I said I have never been told this. I then asked for escalation to a manager. The manager did not contact me until I contacted XXXX and XXXX a second time about the manager referral. I spoke with XXXX XXXX. XXXX repeated what XXXX had said. I said that is extremely deceptive as I was told multiple times I could have a walk through appraisal done and I even clarified that I had learned through that process it would be at my own expense. XXXX stated she would have to speak with her superiors and would contact me in a couple of days. She further told me it would be a fair lending issue if they did a walk through without justification. At this point I would like to clarify, it is industry standard for AVMs to not be reliable. They are the cause of multiple fair lending investigations at this time. Due to that, it is common for a borrower to request a walk through appraisal as well - as permitted in Reg Z. Should the walk through value be lower, then the lower of the two appraised values is the value used by the lender. XXXX contacted me 10 days later and reiterated TDs policy. I am extremely frustrated at the deceptive sales strategy used by TD. I have also been harmed because in the time I spent with TD for the application, I had a hard credit pull that impacted my credit score, and secondly by them not honoring what they said, I will have to reapply with another institution that actually follows market protocol and now face having a higher rate. Their process has been so slow and the contact so delayed, that there was another interest rate increase to prime. This entire process has been unfair to me and deceptive. It has cost me as a consumer. I am sure many customers of TD that are not so proficient in the industry have been abused by poor sales practices, lies, deception, poor and delayed communication, and overall inconsistent treatment. As a single female applicant, I feel that I was taken advantage of in order to make a sale. In fact I have had yet another XXXX redisclosed to me with no personal contact or email contact. This is simply a violation of my rights as a consumer and poor business.
|
| 12/15/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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TD Card Services within the last year started a new cash rewards program, which they did not even notify me about via mail or email. I had to find out on my own by accident while googling something. Unfortunately I did not find this out until mid XXXX, and when I called about it and expressed I was upset that they did not notify me, naturally nothing was offered to me such as a {$50.00} credit towards my balance when it was an error on their end that I never received notification about this new program, which has been going on almost this whole year, so I had been missing out on a lot of rewards points. Had I known about it, I wouldve used this card for a lot more purchases and racked up a lot more points than I already had. And, if I had never stumbled across this information on the internet by accident, who knows how much longer I wouldve never known about it. Apparently never since they failed to notify me about this. You would think for that alone and the fact Ive been with them for like the last XXXX years, TD in general for the last XXXX years, that they wouldve offered me something. But of course not, because they dont care about whether or not they keep their customers apparently. And so this next part of the story really shows it. So back to when I called as soon as I found out about this new program which was XX/XX/XXXX or XXXX The agent gave me my options for the 3 % and 2 % cash back. There was gas, grocery, dining, entertainment and travel. I told her gas for 3 %, and dining for 2 %. I use my XXXX ( XXXX ) card for groceries, so it wouldnt make sense to use that for any of the higher percentages. I also dont go to shows or travel. Yesterday, XX/XX/XXXX, I was navigating on my account trying to find out how to collect on my rewards without calling in, and I stumbled across a section where you could see every transaction and how much cash back I received. I noticed for my dining purchases I had only received 1 % cash back. So I immediately called and asked why I was not receiving 2 % cash back for dining. The agent said I was getting 2 % for groceries. I said but I never told the previous agent that. TD can look at the history of my account and they will see there has not been one single grocery purchase in at least over the last several years. Thats because again I receive XXXX XXXX, so why would I tell the agent to make the 2 % for something I would never benefit from??? The agent said she would put in a request for someone to review the phone call and someone would get back to me, and this would take up to several business days. I spoke to that agent in the late afternoon. Miraculously I get a phone call from the person who supposedly reviewed the phone call the very next morning, this morning, at not even XXXX Claims she reviewed the phone call ( wow that was quick, being it takes up to several business days?? ), and that I had told the agent I wanted the 2 % for groceries IM-POSSIBLE. So this woman actually lied to me. I asked to listen to the phone call, and she refused!! My own phone call!! Yeah, thats what I thought!! Cant believe after all the business Ive given these people over the years, in several years more than half my life, that they would actually stoop that low to lie about listening to a phone call and denying me that phone call when its my call All to avoid having to make a few dollars worth of adjustments on my account Which really should be that plus a {$50.00} credit for failing t inform me about this new program in the first place So is this complaint over a few dollars? Certainly not. Who would go through all of this time and energy for a few dollars?? Its about principle, the way TD Card Services is treating me as who is supposed to be a valued customer. Between the last thing Ive had to file a complaint against them about, which was the only time Ive ever had to file a complaint against them in the XXXX years Ive had them but was within the last few months, and now this, I see that these people do not value their customers and I am prepared to close my account if they do make good on all of this, meaning both issues Ive had to file a complaint about. Because Ive had just about enough
|
| 07/26/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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On XX/XX/XXXX, I opened an account with TD Bank, account # XXXX on XXXX XXXX XXXX in XXXX, NJ, with a deposit of {$100.00}. Later that same day, I deposited XXXX money orders via the atm, XXXX Bank money orders XXXX each, written under XXXX XXXX XXXX and XXXX United States Postal Service money orders, {$1000.00} each. The total of the XXXX money orders totaled {$6500.00}. When logging into my account on XX/XX/XXXX, I could not log in. I then called to have my password reset and was told my account was locked and flagged for possible fraud. On, XX/XX/XXXX, I went into the Branch, and brought my mom, since she is the one who gave me the money orders for my graduation. We spoke to XXXX and let her know the money orders are not fraudulent and were given to me by my mother. My mother provided her identification to XXXX. XXXX stated she would submit a Smartform detailing the situation along with my moms license and that we should hear back later that day or in the morning. She advised that even if they closed the account permanently, they would refund the balance. We then received a letter for each money order deposited stating. We have delayed the availability of funds from your deposit as account information indicates that the check may not be paid. Rest assured your funds will be available no later than XXXX business days after the deposit is made, unless we are notified of a returned check. ( see attached for all letters ) We never heard back from XXXX regarding the Smartform after days passed. Again on XX/XX/XXXX called the branch to speak with XXXX, was told she was with a client and would call me back, but I never received a call. On XX/XX/XXXX, we returned to the XXXX XXXX XXXX and spoke with XXXX. He stated it usually takes up to 10 days for the hold to be removed and to come back in a couple of days. We returned to the same branch on XX/XX/XXXX, spoke to XXXX. She stated they closed the account. I explained to her the situation and that a Smartform was submitted. She tried to email the back office, which I am assuming is the fraud dept, but she did not get a response. She told use to leave, and she would give us a call later or in the morning, but we never received a call. We waited a few more days. We called the bank and asked XXXX, and was told she would call back, but she didnt. We then called the bank again on XX/XX/XXXX and asked to speak to the Bank XXXX and was told she was on vacation. We then went into the bank again on XX/XX/XXXX. We spoke to XXXX first, he looked at my account and said that it was only the XXXX day and the XXXX dept has 10 days to decide. After XXXX, we then waited to speak to XXXX again. She stated the account was closed, which was opposite of what XXXX said. And she stated I needed to file a claim with wherever I got the money orders from. I asked what type of claim and she said she didnt know and that was all the information she could provide and I would have to figure it out. We went to the post office asking about a claim process and they stated since they money orders have been cashed, there is nothing they can do. I then reached out to XXXX XXXX XXXX and was told the same. Since the money orders were cashed its clear on their end. So who am I filing a claim with? I feel we being given the run around.
After doing my research, I found that TD Bank is one of the banks that do take XXXX party checks, so how can they not refund the money. Ive also found that, in the issue of XXXX party checks, once the XXXX party has been verified, the funds are released.
We have left several messages and called for the Bank manager, and she has been unresponsive or not available in the branch. When calling the XXXX number, we are only directed back to the branch. Our next step is to reach out to an attorney. We feel our rights have been violated. All of the money orders have been cashed and we have not received any notice that anything has been returned. This money was given to me for as a graduation gift for school and I need it to pay for school. They have not been forth coming, but very deceptive in not refunding the money. I have been given the run around for weeks and enough is enough.
|
| 09/20/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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I am a self employed worker that does a variety of things like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So I get paid in different ways. Some by checks and others by cash or XXXX XXXX On XX/XX/23 I received 4 XXXX deposit slips for {$500.00} each from a man that I did XXXX XXXX XXXX for. My bank contacted me about ten days later saying they were fraudulent and said I could no longer bank with them anymore that my account would be closed. But before this information was told to me, I had submitted another actual check to deposit to my account on XX/XX/23 for {$2200.00} from a man I did part time work for at his XXXX. This check was finally cleared but my bank account is frozen. So I called the customer support line for TD BANK and they said my account balance is {$2100.00} and that I would need to come in person to be able to withdraw my funds since my card is locked and account locked. So I went in person yesterday on XX/XX/23 to TD BANK and informed the clerk that i wanted to withdraw the entire amount of {$2100.00} that is currently in my checking account and then close my account. They told me they could not give me my money nor unlock my account. They said they would have to email a specialist to unfreeze my account before being able to give me my money. So they emailed and called me saying that I needed to provide a phone number for where the check was from. I said I did not have the man 's number anymore I do random XXXX jobs I don't keep track of everyone 's info after they already paid me. The check was already reviewed and approved so I don't understand why they need to REVERIFY it a second time! Especially since my money has been sitting in my account for a month now. They already took money from that second check to pay the XXXX deposit return fees for {$15.00} for four separate fees. And charged {$35.00} for an overdraft fee on XX/XX/23 and XX/XX/23. I just want to withdraw my hard earned money and close the account because this is the worst bank I have ever had and ever had to deal with. They are treating me like I'm a liar and a criminal because the XXXX deposits were deemed fraudulent but I did not know that I did not make them I received them from a man I did house cleaning work for but I'm the one being punished and looked at wrong for it. It's already embarrassing enough. But I have never deposited a fraudulent check in my life so I don't know why the bank is treating me like this and saying I can't bank with them anymore and anything after that fraud is being questioned and I'm the one taking a loss from that {$2000.00} i should've been paid and now this second check I earned from someone else that was investigated and approved and made available in my balance is being refused to be given to me after sitting in my account for a month. I just want my hard earned money withdrawn and account closed. It is unfair that I am being treated like this and investigating everything I do because of one time someone giving me fraudulent XXXX slips. This check is from a complete different person. And they have already reviewed and approved the check so why do they need to re verify the check before unlocking my account to give me my hard earned money? I do work for many different people and once I am paid, I don't keep their contact information anymore. So I have no way to get the man 's contact info to give the bank. If it was already approved in the first place why would they need to relook into it?! This is irritating I have bills to pay I work hard for the money I earn and now I can't even get access to my money that has been approved already and has been just sitting in my account for a month. If it was fraudulent the man would have contacted TD bank about it seeing as the money was deposited successfully so I don't see why I can't get access to it? I just want my money out and to close the account and be done with TD BANK because this is the most ridiculous and unfair treatment I have ever received from any bank ever. I've never deposited anything fraudulent in my life until that man who gave me the fake.moneygram slips. I should not be treated as a criminal for someone else 's mistake.
|
| 03/19/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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Hello, I contacted TD in regards to a visit to the bank on XXXX. I came. I was taken for {$500.00} from fraud, you can review your cameras and seeing this transaction. I even asked if TD would look at the cameras for a picture and license tag number of the criminals, they stole every penny I had. As a result, I had scheduled for a payment to be debited from my account a few weeks ago and as a result of the theft, when the date came and the creditor debited the account, the account was charged a NSF, because all the money had been stolen. I explained what transpired to TD but no one would assist me. I understand the bank is not responsible for my money being stolen but the fee was charged as a result of the theft and when this transpired, I was so distraught that I didnt think to contact the company to stop the predated payment. I copied and pasted this email that was sent to the XXXX XXXX XXXX by mom to support what I am telling TD. I can provide a copy for the bank to support this transpired to me. I do have the conversation with XXXX which he agreed this was a scam a the money was stolen.
Dear XXXX, I am 71 years of age and this man came to our home unexpectedly, along with two other men, he identified them as his family members and said that he, his brother and father were paving driveways for a good deal as they are trying to obtain more business. They told me they were licensed and insured and said his name was XXXX.
I asked him several times for an estimate as he had free estimates on the truck. I also informed him that the XXXX cars in the driveway, the battery had to be charged so I could not move the cars. So, just leave the estimate. I told him, I did not have a lot to spend because he kept insisting about doing it then. I told him I loss my husband and son to XXXX and they are the ones who normally handles these things. He then says he loss XXXX or XXXX family members to XXXX. I told him I was sorry for his loss and again I said, just leave me an estimate and I will call you if interested.
Well, he starts spraying something and reiterating he will pave for a cheap price. I said how much is this costing me? He finished spraying some substance and tells me he is not finish and he will come back it has to dry and he will pave tomorrow and if I pay him {$700.00} now, he would do the paving and provide an extra sealer on it. I told him, he did not do the job, nor did I ask him to spray whatever that was. He begged and told me he believes in XXXX, he has XXXX kids and if I could give him cash now instead of a check he would be giving me a better deal.
He said he normally charges {$1200.00} while playing on the calculator, saying how good of a deal Im getting and reiterateing that I needed to pay him now cash and cash will lock in a good deal. I told him, thats too much and I do not have that kind of money, Im on a fixed income and I told him, I did not feel comfortable doing that and he pleaded and said he had children to feed, XXXX. He kept saying, XXXX XXXX fearing. He promised he would be back the next day in the morning and do a superb job. I have not seen him or the XXXX other guys anymore, this was on XXXX.
My daughter went to the bank to cash the check as I am XXXX and can XXXX XXXX. She informed them that the bank was closed. They insisted and asked that she use the ATM. She is on a fixed income and gave them the {$500.00} out of her account at the bank. That was everything she has as she is on a fixed income as well. After that, they did not show up, my daughter said the bank TD Bank the address is XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, they had cameras and she knows that the vehicle and tag is on camera as they parked in front of the bank as she went in to try cash the check ( bank was closed ). I did not understand why he or the other XXXX did not want to cash the check and he and the other XXXX pleaded again and made up excuses, which now I know they are scammers and stole from me a senior citizen and my daughter. I asked for a receipt, which he gave me this wrinkled small piece of paper in which I questioned and he claim he would bring back a valid receipt the following day.
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| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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TD AUTO FINANCE LLC is in violation of several laws including 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
They continued to report to credit bureaus after a fraud alert was on m
y report. {$1000.00} VIOLATION.
15 U.S. Code 1692 - Congressional findings and declaration of purpose They sent several letters with their logo to collect paid debt which is by law ANOTHER Violation {$1000.00} VIOLATION TD AUTO FINANCE violated my TILA rights USC 15 U.S. Code 1605 - Determination of finance charge a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.
( 2 ) Service or carrying charge.
( 3 ) Loan fee, finders fee, or similar charge.
( 4 ) Fee for an investigation or credit report.
( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.
I the consumer paid for insurance, car tags and other fees when TD AUTO FINANCE was aware that all fees and insurance was indeed already paid for in my finance charges which means the sum of ALL CHARGES. {$1000.00} VIOLATION.
15 U.S. Code 1635 - Right of rescission as to certain transactions I was never made aware I could exercise these rights which is ANOTHER violation.
( b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court.
15 U.S. Code 1692f - Unfair practices Violation which made my contract null and void the contract is illegal by law and states that TD AUTO MUST RETURN ANY MONEY OR PROPERTY IVE GIVEN TO THEM.
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| 07/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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Web |
Servicemember |
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I contacted XXXX XXXX on XX/XX/23 regarding one of my monthly premium payments for my two phones under the plan. It was then discovered that I had been erroneously paying the {$11.00} monthly payment for each of the phones but that I no longer owned the phones ( had traded them in for two new phones some time ago ). The XXXX informed me that I had erroneously made a total of 67 PAYMENTS ( 34 payments on one phone, and 33 payments on the second phone ) over a 3 year time period.
The rep informed me that based on the total number of payments erroneously made ( total of 67 ), that a credit in the amount of {$800.00} ( 67 x {$11.00} = {$800.00} ) was due me, and that I would receive the refund within 2 weeks. On XX/XX/23, I went to my online account and sent an " inquiry '' requesting that my account with XXXX be cancelled. I I then contacted XXXX again ( speaking with XXXX ) regarding the status of the refund and was informed that " the request was probably with the " back office '', and to give it 5 more business days ; he gave me a reference # XXXX. On XX/XX/23, I again called XXXX XXXX and spoke with XXXX who stated that the refund would be process by XX/XX/23, at which time I requested that a " paper check '' be mailed as opposed to crediting my checking account where the payments had been made from over the years. I also went online and had a chat with XXXX regarding same. I was also informed for the first time that TD Retail Card Services ( the Bank who financed my XXXX account, and to whom I made my monthly online payments to ) would be the institution who would be issuing the refund.
On XX/XX/23, I received an email from TD Retail Card Services that my online account had a " new credit item '' appearing on my " XXXX Financing Account ''. When I logged on, the credit in the amount {$800.00} was showing.
On XX/XX/23, I called XXXX " again '' and spoke with XXXX, who advised me to allow another 5-10 business days from XX/XX/XXXX to receive the refund. He also informed me at that time that TD Credit Card Services would be issuing the refund ( as they are the institution I had been making the payments to ). I then called TD Retail Card Services and spoke with XXXX, who confirmed that the credit owed ( but that their system was showing the credit as {$800.00} as opposed to {$800.00} ; that's because on on XX/XX/XXXX per my online account, TD added a {$.00} " XXXX offset '' to my account ), which she claims was the reason why my refund could not be processed ( because of the XXXX discrepancy ), and that she would follow up with me on that Friday ( XX/XX/23 ) to with a status update on my refund. I then also sent another online inquiry ( copy attached ) to TD Credit Card Services asking them to confirm when my refund would be sent out.
On XX/XX/23 at XXXX XXXX, I called TD Credit Card Services and spoke with XXXX in Customer Service first. She first stated that she had to put me on hold and confer with the " higher ups '' to get my refund processed and proceeded to put me on hold for 10 minutes. When she returned, she informed me that my refund request was in a " block status '' due to ( XXXX ) my XXXX XXXX bankruptcy filing on XX/XX/23 ( even though I have no balance due with XXXX XXXX per the attached credit report ), and ( 2 ) she then stated that my account is " in collections and 6-9 months delinquent '' ( even though my last payment to XXXX was on my due date of XX/XX/23 ; I cancelled my account on XX/XX/23, after the XXXX payment was " charged off '' by TD Retail Card Services on XX/XX/23, leaving a XXXX balance for the month of XXXX ). She then transferred to Collections, who then transferred to Bankruptcy ( who then informed me that I was speaking the XXXX Dept. for home loans ), who then informed me that my account was in the " Recovery '' Department which when transferred to it the call was disconnected. I then sent another " online inquiry ) via my online account to TD Retail Card Services ( copy at I just received a response to my XX/XX/23 online inquiry this morning ( copy attached ), with TD Retail Card Services again telling me to contact them to discuss.
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| 01/19/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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Previously there were XXXX complaints regarding TD Bank from myself. Currently there is legal actions in place by both TD against myself and Myself against TD. I will ask that the CFPB review the past complaints which to date are closed but not resolved. During this process I have had concerns of TD Banks practices and their attempts to cause failure on my behalf. Also during this process I have continually been researching and had discussions with others in similar but not same issues as myself. I have found that TD Bank has been actively working in a deceitful manner and is in violation of XXXX XXXX Practices. Predatory lending refers to unethical practices conducted by lending organizations during a loan process that are unfair, deceptive, or fraudulent. The Inspector general of the XXXX XXXX XXXX XXXX XXXX ( FDIC ) broadly defines predatory lending as " imposing unfair and abusive loan terms on borrowers '', though " unfair '' and " abusive '' practices. Though there are laws against some of the specific practices commonly identified as predatory, various federal agencies use the phrase as a catch-all term for many specific illegal activities in the loan industry which are defined case by case. One less contentious definition of the term is proposed by the practice of a lender deceptively convincing borrowers to agree to unfair and abusive loan terms, or systematically violating those terms in ways that make it difficult for the borrower to defend against. Predatory lending typically occurs on loans backed by some kind of collateral, such as a car or real property, so that if the borrower defaults on the loan, the lender can repossess or foreclose and profit by selling the repossessed or foreclosed property. The lender, or others as agents of the lender, may well profit from repossession or foreclosure upon the collateral. Typically the law may consider a loan to be predatory if the lender used pushy and deceptive tactics to get a vulnerable or unsophisticated borrower to agree to unfavorable terms. In my case TD used these Predatorial practices by 1. Trying to get me to add additional collateral reducing their risk prior to offering terms. 2. Requesting an over standard 6 month up front reserve on a tax escrow. 3. Collect additional upfront escrows only to find out they never paid the municipality. 4. After I paid TD requested monthly Escrows TD coming back with inflated terms. Specifically after the 1st complaint, TD agreed to work out the loan since they were deficient with notifications and had no knowledge the same as me that the loan matured. I was notified by XXXX XXXX from their work out department who requested that I pay off any back taxes with the municipality so she could work out terms. Later she sent me terms with inflated fees, interest and stipulated that I needed to add the other collateral in order to work out the loan. It was TD 's Intention to better their financial position prior to attempting foreclosure. Secondary, TD sent over new terms with an escrow monthly pay which was paid as per those terms only to find that TD did not pay the taxes and held the money. I discontinued the escrow payment and paid the taxes current myself. Since all this occurred, through networking I found another person ( to be named at a later time ) who just by chance is in a foreclosure with TD. He was also requested by XXXX XXXX to pay his back taxes so she could work out his loan and then came back with unfavorable terms. This practice of TD getting their distress, defaulting or other unresolved loan issues ( like mine ) with equity positions to pay fees to better TD 's financial position while the intention of trying to take back the properties is XXXX. I will continue to find others within the law who also may have a similar scenario. If it was done to two then there is more. I don't know if this action is a practice of policy by TD or if an action of the employee mentioned in this complaint. It should be investigated and will be pursued in our existing or new case filing. As a final I have continually made the monthly payments to date and have all taxes paid to date.
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| 06/20/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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XX/XX/XXXX DEBIT XXXX XXXX EXT TRNSFR {$2500.00} - {$2500.00} XX/XX/XXXX DEBIT XXXX XXXX AUTH DEBIT {$.00} {$.00}XX/XX/XXXX DIRECTDEP XXXX XXXX AUTH CRDT {$.00} {$.00} I added my TD checking account to my XXXX XXXX account. It was verified. Then I transferred {$2500.00} to my recently opened never before used TD checking account. I was actually excited because XXXX XXXX changed their wire transfer interface, and the mechanism for the transfer consistent with some of the guidance I had provided XXXX XXXX. I 've previously made commentary that potentially has had an immediate correlation with > $ XXXX in value creation to XXXX XXXX including stepping in with a long call back when everybody was shorting them with the XXXX XXXX insider threat scandal. Recently I applied to TD for a line of credit because somebody had recommended it to further improve my credit score. I met all of the qualifications. I had significant abnormal behavior from TD during that process which I submitted to CFPB. I 've received credible information that there could also be problems with TD XXXX/brokerage services from an insider threat concern related to this and have previously had interactions with people claiming significant access to XXXX XXXX internal security. I received a response that made material egregious misstatements of facts from TD in response to my CFPB complaint. I had repeatedly submitted information which they had apparently failed to correctly update in their systems multiple times despite guidance otherwise. Its likely a drastically positive expected value for them to provide access to credit. It is terrifying that they apparently failed such basic tasks and I have direct reason to believe this is connected to my XXXX ex girlfriend. Her father is former assistant vice undersecretary of defense XXXX XXXX. He is directly connected to material destruction, falsification, tampering of protected records including police and records in more than quadruplicate. These XXXX arent worth causing these types of problems as they rarely if ever contribute anything positive, especially that wasnt basically stolen from somebody else. He and her daughter have a thoroughly independently documentable track record of being directly at the center or responsible for abuse of law enforcement resources as well as other things, material misstatements of facts as well as causing international rights violations. Most of the time this is for inept attempts at profit or basically her trying to prove that she is powerful. XXXX XXXX XXXX has repeatedly bragged about interfering with my banking, potentially to the detriment of some of the banks in several ways. Regarding the wire transfer, obviously it was a brand new account. I was transferring money to the new account and even confirmed this. A little while later I received a statement from TD claiming that I owed them {$2500.00}. They claimed this repeatedly after speaking to multiple points of contact on the phone. When I spoke to certain people, in branch as well as to XXXX XXXX I explicitly confirmed that the original deposit that was received was {$2500.00} from XXXX XXXX deposited to TD. I have records of this. After a considerable amount of time and obviously a lot of stress I was able to get this resolved with people at TD. This type of situation shouldnt happen period, is beyond suspicious and makes no sense. They were trying to get me to pay fees and give them {$2500.00} of additional money just to bring the account to {$0.00} after I had already sent {$2500.00} which XXXX XXXX had confirmed was sent to TD. After I had called and confirmed, for some reason the XXXX XXXX records of these transactions then suddenly reflected something completely different. This needs to be investigated thoroughly and prevented from occurring. This is terrifying and basically undermines the basic premise of the banking system. There have been consistent abnormalities with several types of transactions that appear to demonstrate a pattern of systematic egregious criminal fraud/theft as well as other crimes. This matter was resolved at considerable cost to me personally.
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| 09/07/2018 |
Yes |
- Checking or savings account
- Other banking product or service
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- Closing an account
- Funds not received from closed account
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Web |
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I went into TD bank XXXX on XX/XX/XXXX, to revoke and auto transfer to my sons mothers ' account for my son as voluntary supplemental support payment. I did this transaction with a bank agent personally. During this time the account was started under the XXXX XXXX branding and the system used today is different, as I was told by the agent, therefore the agent had to contact a technical back office to be guided on how to revoke or stop the funds from depositing monthly on the current system. When he finally completed the task, he gave me an authorization and I signed the document.
After the agent checked the transaction, he told me it was completed and told me to check back with him in about a month to make sure because sometimes it may lag for the process to complete, ( which I did ). When I checked back as told he asked me for my ID and allegedly accessed the system and told me everything is good. The following month or shortly thereafte, r I went in for good measure and asked the same, and again he allegedly checked and said everything is good.
The reason for the stop of funds is because my son was no longer living with his mother because she put him out so he was with me and there was no reason for her to continue receiving the funds. Since I transact daily with card and other known auto debits using ( A i ) and phone assistance for monthly debits, I had no doubt that sitting with an agent through the process would be erred especially after an hour. On XX/XX/XXXX or XX/XX/XXXX, I went into a different branch near my home to bring a disturbing revelation to the customer service agent questioning this monthly transaction that I attributed to maybe a credit card deduction, that I may been unfamiliar with, only to find out that the funds were still being deposited to my sons mothers account despite the revocation a year ago. The rep tells me that the person that did the change didn't complete the process correctly and that it was not the banks fault because he is no longer with TD and I should have been checking my account, I was then went to the branch that the transaction occurred and spoke with a customer service agent, who tried to assist me by escalating the matter. When I returned to the branch on XX/XX/XXXX or XXXX to find out the status, the agent tells me that the banks position is that i should have been checking my account to make sure the withdrawal had stopped. Funny, I don't ever recall the bank or its agents telling me I should check my account to make sure it started, neither did the agent present any documents referencing any errors or time to remedy if noticed any errors. This type of funds transfer is not something you can do without the assistance of an in-person agent to start the process, but what this agent did, was pull out a brochure outlining that any errors should be brought to the banks attention within 60 days and the bank was only willing to refund for the 60 day limit. Ironically the brochure shown to me for the bank not to be responsible for their agents error was published date XX/XX/XXXX, so where was this brochure published in XXXX during the transaction to give rise to notice of the same? They showed me the next years stipulation to escape responsibility. I'm asking that you investigate the above complaint, because the bank suppose to employ persons knowledgeable in handling and managing transactions that can not be ordinarily handled by the customer in cases involving account to account transaction without their intervention and the customer signed authorization. I contend if this transaction was completely ( A i ) at the use of my hand on computer with nothing to sign but electronically and in my full control and I made the mistake by not following though, then it would be my fault with my money wholly because I missed a step or just didn't know what I was doing ... I would say that's on me I made the error, but when the banks agent does it, how is it not their fault with my money. Please intervene to have all the funds withdrawn from my account for that period returned to my account. The total withdrawn erroneously from my account.
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| 06/28/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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Web |
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On XX/XX/2022, I order a XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX & XXXX ( order # XXXX ). The transaction seemed very clear and easy. I was financed through TD Bank.
On XX/XX/2022, I was contacted by text letting me know that my order was ready to be delivered via the XXXX XXXX XXXX XXXX that was being facilitated by XXXX. I scheduled the delivery date of XX/XX/2022, between XXXX and XXXX.
When the two men arrived to deliver and assemble the machine, they checked the area where the XXXX would be set up and began unpacking pieces and taking them to the room. They opened maybe 4 pieces from the box and got to the electrical cord for the machine and found it to be damaged. They showed the cord to us it was indeed damaged and said they could not put the machine together and would take it back and order a new one for us. They indicated that we did not need to do anything except sign the paperwork showing we declined the machine because it was damaged. Around XXXX the same day I got an email XXXX indicating there was an exception to the shipment and that there seemed to be an issue with the shipment. We assumed this was standard procedure and that as a result of this email, a new machine would be sent out to us.
No machine ever came, no one ever call us, but the first bill showed up and let me know that payment was due.
I called XXXX and was told by a Customer Service Rep that XXXX did indeed get the message from XXXX that the machine delivered to my house was damaged, but that no one had open the email, hence no contact or resending of a new machine. She assured me that she would get things back on track and also offered me 1 month of XXXX to make up for their mistake. She gave me a case number and told me the new machine would arrive in few weeks. She directed me to contact TD Bank to let them know what happened.
I called TD Bank letting them know that I had not received the unit and was concerned that If I did not make the payment, it would adversely affect my credit. The Rep on the phone said she would start an inquiry and that would suspend the payment, until this was all straighten out.
In my contact with both companies, I was assured this would be fixed. I got a letter from TD Retail Card Services on XX/XX/2022 indicating they total amount for the unit was placed in dispute. I got a second letter from them on XX/XX/2022 indicating they were still investigating my dispute claim. I got a third letter dated XX/XX/2022 indicating that their investigation indicated a billing error did not occur and that XXXX the merchant said an exchange of merchandise was granted or completed.
I have not received the XXXX I was never contact by XXXX or XXXX regarding the re-shipment of the XXXXXXXX and I am baffled at how TD Bank came to the conclusion that I received the machine.
I am sad because I expected honesty and integrity from both companies. I am concerned that I am not the only one this has happen to and I am angry the TD Bank and XXXX somehow believe they have done everything right, when clearly this has all been handled completely wrong.
This has and will continue to adversely affect my credit score and has cause me great distress. I went through all my emails and billing statements to gather all the information I have to prove this injustice being perpetrated against me and possibly countless other innocent consumers, who just wanted to buy exercise equipment from a name ( XXXX ) we thought we could trust and a bank ( TD Bank ) that should be protecting consumers instead of trying to make them pay for merchandise they did not receive. I am shocked that this even happened, especially since I had no control over any part except to sign for the loan and sign for the return of the damaged XXXX
I am not interested in the machine any longer and will never do business with TD Bank or XXXX ever again. Please correct this injustice, close my account and correct any adverse information you reported to the credit companies. Shame on you TD Bank for believing XXXX and not doing a thorough check! Shame on you XXXX for lying and saying I received the machine!
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| 05/31/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Older American |
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My XXXX years old Mother is a victim of a fraudulent account take over and elderly abuse, that TD bank did not prevent and now is not recognizing. She has 2 accounts at TD Bank, a Savings and a Checking account. My brother and I are also account holders on these accounts. On XX/XX/XXXX we realized that we were missing around {$71.00} on fraudulent activities.
As we were told orally by one of the Bank Account Representative at TD Bank Branch located at XXXX XXXX XXXX, XXXX FL XXXX, an online profile for my Mother was created and an ATM was requested, also the Bank Statement Address was changed. All without our permission and without our awareness that this new profile that was created. The Bank did not notify by email, neither sent a letter to the formal address indicating these activities.
From that new online profile {$57000.00} were moved from savings to checking and the robber started using the ATM card in XXXX. The fraudulent activities started on XX/XX/XXXX and continued for 19 days ( until we realized it and blocked the account ) fraudulent transaction in a crazy pattern of expenses began in XXXX and up to {$12.00} were taken out from and ATM daily.
My Mother, a holocaust survivor, does not live in the USA, nor XXXX. She has XXXX years old. Since the creation of the account, she did not have an online profile, neither requested an ATM. None of the account holders have traveled to XXXX in XX/XX/XXXX as can be verified in our passports.
At the same time other AHC transfers were made to an unknown account in XXXX XXXX XXXX for an amount of approximately {$14000.00}. Those transfers were recognized as fraud and the Bank refunded the money. This clearly indicated that TD Bank recognizes that the account has been compromised.
We did not received at any time any email or US mail, about any of the things that were happening in the accounts. None of the activities of a passive account raised any alerts from the Bank. When I traveled in XX/XX/XXXX, I notified the Bank the exact days of my trip and requested permission to use the ATM.
A fraud Claim was made to the bank. The Bank denied all the claims about the withdrawing made from XXXX without talking to any of the account holders.
As of now, we do not have a formal letter from the bank explaining the situation. The Bank told us by phone that the fraud charges won't be refunded and gave no explanation on how the Bank Statement Address was changed and how they permitted an online profile to be created without notifying the account holders. How does the Bank sent and activated and ATM to her? Why the Bank did not notify by email?, and why they did not send a letter to the formal address indicating these activities? Moreover, why the crazy pattern of spending of an account that had no movement did not trigger an alert from the Bank, especially when there must be a maximum amount daily that can be taken from an ATM.
The treatment of the Bank to a XXXX year old woman who trusted her only savings from her entire life is incredibly rude, unprofessional and below expectations from a respected Bank. The bank should respond accordingly. Following the investigation procedures will evidently show that My Mother is being a victim of fraud, Elderly Abuse and a Account take over. Until the bank recognizes their security breach and a obviously inside work, other clients are subject to the same fraud.
Since My Mother is XXXX years old. I as her daughter and also an account holder am making this complaint on her behalf.
Note : We are attaching the bank statement that shows all the fraudulent movement ( in Blue all the fraud made from XXXX, in green the fraud made by transfers to XXXX XXXX XXXX, in Purple a P2P that we do not recognize, in pink the transfers that were made fraudulently from our Savings to our Checkings ). We are also attaching the Police Case number. We can provide proof, that neither my mother nor the account holders visited XXXX in XX/XX/XXXX. We can also provide proof of that days before the online profile was created they visited in person the XXXX XXXX, where we think everything started.
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| 11/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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|
Web |
Servicemember |
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I have had a XXXX XXXX XXXX since XX/XX/XXXX. Recently a collection company called me to collect payment for this card in XX/XX/XXXX for about {$150.00} ( a {$47.00} charge plus late fees is my understanding ). Not knowing if the call was legitimate, I contacted XXXX directly where the automated card system showed a balance of about {$150.00} and asked for a payment, which I made in full over the phone through the automated system. I called the collection company back and informed them I had paid the balance through XXXX. A few weeks later I tried to use my card and the transaction was declined.
Upon calling XXXX XXXX XXXX to inquire each Customer Service representative put me on hold and then the line dropped after being on hold for a long time waiting for them, 4 calls total on 2 different days. One rep said my account was closed due to delinquency over a year, one rep said shut down due to past due unpaid balance, two reps said the card balance was {$0.00} and the account was current. Upon explaining to them my card was declined they all put me on hold for a long time, and eventually the call disconnected on its own.
Today I contacted card services because upon applying for a Corporate Business Credit Card through XXXX for my business, my application was declined. I assume this means my XXXX XXXX has been reported as Closed to the Credit Companies.
Upon contacting XXXX today, and requesting escalation to a supervisor I spoke with an agent named XXXX. XXXX recapped the following : _I charged a purchase to my XXXX XXXX for a total of about {$47.00} on XX/XX/XXXX _The card was unpaid for 3 months and therefore XXXX automatically closed my account and this could not be reversed _I advised XXXX that I had not once during this period received a call from XXXX Company or any emails or mail telling me I was delinquent or past due or that collection proceedings would follow _I advised XXXX I simply forgot I had charged that and to make a payment, and that since I don't see paper statements it slipped my mind _I advised XXXX I have 3 emails from XXXX this year : 1 in XX/XX/XXXX updating privacy policy, 1 in XX/XX/XXXX for my statement for about {$47.00} ( this is where I must have forgotten to make a payment ) and then again one on XX/XX/XXXX telling me a payment was due on XX/XX/XXXX but no balance and nothing saying my account was closed _I asked XXXX to confirm that I had paid my balance in full on XX/XX/XXXX and asked her to confirm I never received any notice that my account was in collections or that it was going to be closed or was closed, she confirmed _Brady stated they aren't required to call me because of the volume of business they do, because of the amount of accounts they manage that they don't have to call anyone _Brady stated they sent me an email monthly with a statement and that is due diligence enough _I advised XXXX I do not have a statement in XX/XX/XXXX or XX/XX/XXXX in my email, she was adamant that they did send me monthly statements _Brady confirmed they had my address, phone number and email address _Brady advised I would need to dispute this with the credit agencies and there's nothing she can do to help me If my account was closed and in collections from XX/XX/XXXX to XX/XX/XXXX, why would I get a statement in XX/XX/XXXX that says I have a payment due on XX/XX/XXXX to XXXX after my account was closed with no indication that that had happened? See attached!
I am extremely upset about the overall handling of this situation. While I understand that I failed in remembering to pay off the {$47.00} charge I made in XX/XX/XXXX, and that that is fully my mistake, I feel terrible for forgetting, I don't believe that XXXX did their due diligence in contacting me for repayment and I did not receive any notice of potential collection action, potential account closure, or notice when my account was closed. I find this unacceptable business practice.
Please help, I need to be able to carry a business credit account and checking/savings account, and to refinance my home, and I don't feel this was handled appropriately/diligently.
|
| 08/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I received a collections notice dated XX/XX/XXXX from XXXX XXXX , XXXX in an attempt to collect debt in the amount of {$550.00} for TD Bank/Nordstrom Credit Card. A discount payment of {$360.00} was offered within the notice. On XX/XX/XXXX a certified debt validation letter was sent to XXXX XXXX , XXXX via United States Postal Service. No further response was received by the collections company for the month of XXXX. I received a collections notice dated XX/XX/XXXX from XXXX XXXX , XXXX with a balance of {$550.00} with a now discounted payment offer for {$330.00}. On XX/XX/XXXX a debt validation letter was sent to XXXX XXXX , XXXX via certified mail through the United States Postal Service. Upon my second attempt in validating the debt, communication ceased from XXXX XXXX , XXXX for the rest of the year.
I received a collections notice dated XX/XX/XXXX from XXXX XXXX, XXXX in an attempt to collect debt in the amount of {$550.00} with an offer to resolve the account for {$360.00}. Knowing that two collection agencies can not collect on the same debt, I placed a phone call to XXXX XXXX , XXXX on XX/XX/XXXX to confirm if they are indeed the collections account holder. I was told by XXXX XXXX , XXXX that they no longer held the account and was referred back to the original creditor, Nordstrom. I then placed a call to Nordstrom on XX/XX/XXXX to gain clarification and obtain debt verification, a Nordstrom representative stated the account was no longer with Nordstrom and was placed in collections to XXXX XXXX ; contact information for XXXX XXXX was given. I requested for a statement or documentation showcasing the amount of {$550.00}, the representative asked for updated contact information, I complied and provided updated contact ; I was told a statement would be sent to me for validation purposes. No statements were ever sent by Nordstrom.
A call was placed to XXXX XXXX XXXX , XXXX on XX/XX/XXXX to obtain the address and account information in which to send a debt validation letter. A representative from XXXX XXXX XXXX , XXXX communicated that the account was with XXXX XXXX XXXX , XXXX, when asked for clarification on the account being held with XXXX XXXX XXXX , XXXX as the collections agency but the collector is with another agency, I was prompted to update my contact information. I complied with the request, gave my updated information I was then told to contact XXXX XXXX XXXX , XXXX for further information on the account. I received a phone call on XX/XX/XXXX from XXXX XXXX XXXX XXXX in regards to a TD Bank/ Nordstrom Credit Card debt in the amount of {$550.00}. I communicated to the representative that I have not received any statements or paperwork indicating I indeed owe {$550.00}. I furthermore explained that I have the last billing statement from Nordstrom and I did not owe an amount of {$550.00}, I let the representative know that I would be sending a certified debt verification letter to the collections company.
I sent a certified debt verification letter dated XX/XX/XXXX to XXXX XXXX XXXX , XXXX via United States Postal Service. I never received debt verification from XXXX XXXX XXXX , XXXX neither did I receive further communication from the company in regards to this debt. Upon reviewing my credit with the three bureaus I noticed that Nordstrom was reporting the debt as charged off but with a current and past due balance of {$550.00}. Nordstrom did not indicate on my credit file that the account was in collections. With my last bill statement from Nordstrom in the amount of {$570.00} and the inconsistencies in Nordstrom 's practices of obtaining the debt I decided to file a dispute directly with all three credit bureaus.
A dispute letter dated XX/XX/XXXX was sent to XXXX, XXXX and XXXX highlighting the inconsistencies that were being reported by Nordstrom, I sent copies of the collection agency documents and the last billing statement from Nordstrom. Nothing was resolved, XXXX and XXXX did not investigate the dispute and XXXX sent me notification stating the dispute was resolved by data furnisher however nothing has changed.
|
| 10/07/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2018 I tried to make an ATM deposit at a branch but both of the ATMs were out of service as always. I ended up making a mobile deposit of {$2400.00} to my checking account at XXXX. The receipt said it will be available on the next business day as long as it is deposited before XXXX. However it was not available the next business day. I called the bank on XX/XX/2018 asking why my money wasn't available still and was told it is on hold for 6 business days by fraud department. She also said if I go into a branch they will be able to verify my check in person and lift hold. I was transferred to their fraud department. A representative from fraud department told me that he can not find the reason why my money is on hold. He just started reading a script about how bank is trying to protect me from I still don't understand what. After pushing more for a reason he told me that there's a high number of fraud cases for people of your age. Basically saying that because of my age the bank can not trust my deposits. I said that that was unacceptable and asked him if that was even legal, Also I asked about how many times were there fraudulent check deposited into my account, he said none. Therefore I still did not have a reason why my money is on hold.
On XX/XX/XXXX I went into a local branch to verify my check, without looking at my paperwork branch supervisor told me that they not verify anything and I have to wait for hold to be released because of fraud suspicion. To what I replied that this has happened to me before and another branch representative was able to lift the hold and even waive the fees associated with it because there wasn't a reason for hold. I asked to resolve the issue immediately. Please note this conversation happened in the middle of the branch with both of us standing. I was not offered to sit down like everyone else and he did not offer to look through my documents or to try and resolve the issues. Instead I was told to sit down in the waiting room and wait until he completes a call with fraud department. After waiting for a while he came up to me and told me that they're holding the deposit because it is a federal check. I told him that it is NOT a federal check but a regular payroll paycheck and I showed him the stub. He was not interested, he didn't even look at it, he said thats what they told him and thats what he is telling me. After realizing that this excuse is not working he said, its probably because the amount of my check it too high. To which I immediately replied, only if it is above {$5000.00} its considered high enough for you to hold the money for that reason. ( Please note this whole conversation happened in the waiting room with no regard to my privacy as a customer. It is absolute unprofessional, considering that they had desks available for us to sit down. ) I was treated like a was a criminal trying to steal their money while I only wanted to have my deposited money available for me to pay my bills.
The whole situation was remedied by a XXXX officer who works inside the branch telling me to go to another branch and try speaking to them. Because she saw that the bank representative was unhelpful, argumentative and disrespectful. I am absolutely repulsed by TD BANKs rude employees, awful policies, inconsistent promises and down right lack of customer service whatsoever.
After I went to another branch I was told that I must go to the branch that opened my account to resolve such issue. I am not comfortable with coming back to my home branch because that branches employees showed me enough that they will not help me at all.
I demand I written explanation about why my money is on hold and why the bank thinks they can discriminate their customer about their age and hold money according to customers ' age, a letter about what was done to explain to their rude employees on how to treat customers and an apology. If there are any fees assessed during this hold I demand for them to be removed immediately so that I can close this account and never step a foot into another TD bank branch.
Thank you
|
| 06/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
I am writing to provide a detailed account of the multiple issues and discomforts my boyfriend and I experienced during our stay at the XXXX XXXX XXXXXXXX XXXX XXXX from XX/XX/XXXX to XX/XX/2022. As an advocate for consumer protection, I trust that you will carefully consider the severity of the problems we faced and the hotel 's failure to address them in a satisfactory manner.
Upon checking into our room, we immediately noticed its uncleanliness and the pervasive foul odor that lingered throughout our stay. Additionally, we were horrified to discover bed bugs in our room. This caused immense distress, as we were forced to sleep in multiple layers of clothing to protect ourselves from being bitten. The hotel 's lack of basic sanitation and hygiene was highly distressing, and despite our repeated complaints to the hotel staff, no action was taken to either clean the room or offer us alternative accommodation. This glaring disregard for guest comfort is not only in violation of standard hospitality practices but also poses health and safety risks to consumers.
Furthermore, the hotel staff behaved unprofessionally and unsettling, making us feel uneasy and unwelcome. Their conduct tainted our impression of the hotel and raised concerns for our safety and well-being.
Our safety concerns were further exacerbated when we discovered that our suitcases had been rummaged through during our absence. This clear violation of our privacy and the hotel 's failure to provide adequate security measures left us deeply disturbed and constantly worried about the safety of our belongings throughout our stay.
To add to our mounting dissatisfaction, the room 's refrigerator was malfunctioning, causing our perishable items to spoil. This inconvenience caused additional stress and resulted in financial loss due to the wasted food products.
Considering the multiple issues we encountered, it is evident that the XXXX XXXX XXXXXXXX XXXX XXXXXXXX failed to provide the level of service and quality expected from a reputable establishment. As such, I respectfully request that you intervene in this matter and support our dispute claim to secure a refund for the charged amount of {$1200.00}.
I would like to emphasize that we have made numerous attempts to resolve this issue directly with the hotel management, but they have not offered a satisfactory resolution or displayed any genuine willingness to address the matter. As consumers, we rely on regulatory bodies such as the Consumer Financial Protection Bureau to protect our rights and ensure fair treatment.
I have made several attempts to resolve with both the bank and the hotel. Below are the dates and details of my efforts to resolve the issue with the hotel.
XXXX. XX/XX/2022 : On the first day of our stay, I personally spoke with the front desk staff to report the uncleanliness of the room, the foul odor, and the non-functioning refrigerator. They assured me that they would address the issues, but no action was taken.
XXXX. XX/XX/2022 : After discovering that our suitcases had been rummaged through, I contacted the hotel manager by phone to express my concerns about the lack of security and privacy. The manager apologized but did not offer any concrete solutions or compensation for the incident.
XXXX. XX/XX/2022 : Following our stay, I sent an email to the hotel 's customer service department detailing our experience and requesting a full refund. The email was not acknowledged.
XXXX. XX/XX/2022 : After not receiving a satisfactory response, I made a follow-up call to the hotel 's customer service department to reiterate my request for a full refund. The representative I spoke with stated that they would escalate the issue to the hotel management for further review.
XXXX. XX/XX/2022 : Having received no further communication from the hotel, I sent another email to their customer service department requesting an update on my refund request. Unfortunately, I didnot receive any response to this email.
Attached are the letters i submitted to TD Bank to support claim which has not been resolved.
|
| 10/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
On XX/XX/2018, one mobile deposit of {$1000.00} ( via personal check ) was made whereby posting on XX/XX/18. The second mobile deposit of {$1000.00} ( via personal check ) was made on XX/XX/2018whereby posting on XX/XX/18. According to my daily limit for mobile deposits, I can submit {$1000.00}. Thus, the reason why I deposited 2 separate checks into my TD checking account.
When I reviewed my checking account on XX/XX/2018, I discovered TD BANK placed a hold on both checks. At approximately XXXX XXXX, I called TD 's Customer Service through the mobile app while logged into my account on my cell phone. Thus, making an inquiry about the holds. In the conversation, I asked why were the holds placed on both checks. I also explained that my daily limit for deposit was {$1000.00} via mobile deposit and was not able to make it to the local branch to deposit those checks in person. As well, I told her the checks are my personal checks from other accounts thus being deposited in order to make a payment for my HOME LINE CREDIT which is due on XX/XX/2018. Finally, I asked her how can this be resolved so that my funds can be used to make the payment with TD.
She reviewed my account and explained that she can not remove the holds. However, I could go to my local branch and have the Branch manager remove the holds. I thanked her and ended the call.
OnXX/XX/XXXX I visited the branch at XXXX XXXX XXXX XXXX NY XXXX. I spoke to a customer service representative and explained the entire situation again. In turn, she conferred with the Branch manager Hal. He explained that he would contact TD Bank 's regional office and have the holds removed by tomorrow. He understood that I needed to make the payment for my HOME CREDIT LINE which was due on XX/XX/XXXX. In the exchange, I wanted him to verify how would I know if the holds were removed. He stated that all I had to do was check my balance using the mobile app. I agreed and left.
XX/XX/XXXX, XXXX attempted to call me at XXXX XXXX and left a message on my voice mail to call him back. I returned the call at XXXX XXXX and was on hold for 25 minutes. Finally, I hung up and called back at XXXX XXXX and XXXX XXXX. I finally was able to reach XXXX directly at XXXX XXXX. In the conversation, XXXX explained that he could not remove the holds on the checks. As stated by XXXX, he claimed that XXXX didn't verify the funds from the first deposit to cover the check. Due to that, TD put a hold on both checks. Therefore, he could not remove the holds in place. I reminded him that my payment was due today. And, I asked him who could we contact on the next available business day ( XX/XX/XXXX ). I wanted it noted that my payment would be late due to TD 's fault. The idea that my money was tied up, would result in my credit card payment being late. Not because of me being irresponsible but because TD Bank was unlawfully withholding my funds. As well, I wanted to have any late fees and additional interest credited to me. XXXX reassured me that I must return to the bank on Tuesday, XX/XX/XXXX to handle the situation. We ended the call.
With the distress of the situation, I reviewed another checking account I have with XXXX. I rushed out of work and made it to the local XXXX branch before closing. I was able to delay payments made for my property taxes and water bill. With these funds, I withdrew the cash amount of {$1700.00}. Then, I ran to the local TD branch and made the cash payment at the teller in time before closing.
To state : TD Bank has unlawfully withheld my money. I have provided documents to dispute this.
They had no reason to due so. This would have caused unnecessary fees and interest. As well, it would have damaged my credit thus resulting in an increase for the rate at which I currently am paying on the line of credit.
I want TD to provide a full detailed explanation as to why the funds were withheld.
Both XXXX ( first check deposited ) and XXXX ( second check deposited ) cleared the the funds the same day it was presented.
Please assist me with this investigation at your earliest convenience.
|
| 10/03/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX, I used my TD Bank issued Visa Debit Card ending in XXXX to purchase a flight with XXXX XXXX in the amount of {$150.00} ( See file named Attachment 1 - Purchase Receipt ). At some point between XXXX and XXXX of XXXX, the checking account linked to that debit card was closed and subsequently replaced with another checking account. Later, at some point in XXXX of XXXX, that replacement checking account and an accompanying savings account were closed by me, terminating my banking relationship with TD Bank.
In XXXX of XXXX, I requested that XXXX XXXX refund my ticket pursuant to the terms and conditions of the ticket that I had purchased. XXXX proceeded to honor my request but stated that the refund had to be issued to the card that was used for purchase. I advised them that the account had been closed and that I no longer maintained a banking relationship with that institution, requesting alternate refund methods. XXXX advised me that, they had to refund the original payment method, and that if the bank rejected the funds XXXX would then issue me a refund check for the {$150.00}. The refund request was finalized on XX/XX/XXXX with the refund scheduled to go into the closed Debit card. ( See file named Attachment 2 - Proof of Refund Submitted ). I was instructed to contact XXXX after 10 days ' time to verify if the refund had rejected or not. After 10 days had passed the refund had still not rejected back to XXXX ( See Attachment 3 - 10 Day Not Rejected ). At that point I was advised to wait 30 days for the refund to make its way through various parts of the Visa Payment Network and the banking system for resolution.
On XX/XX/XXXX, I contacted both TD Bank and XXXX, with TD bank saying that they had not received any refund to that debit card or any other account that could be linked back to my banking relationship with them. XXXX, for their part, confirmed that the refund had not rejected back to them, and provided me with an Acquirer Reference Number ( or ARN ) and informed me that anyone on the Visa Payment Network could search that number ( XXXX ) and see the payment coming from their end and going to TD Bank ( See Attachment 4 - 30 Day Refund Not Rejected ARN ).
At this point, I proceed to visit 3 different TD Banking Centers since I was not getting anywhere with phone representatives. The centers visited were : ( 1 ) XXXX XXXX XXXX XXXX ( XXXX ), XXXX, NY XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX and ( 3 ) XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX. At all three centers, bankers attempted to assist me and reached out to various back office teams, but nobody seemed to know what to do with the ARN number provided to me by XXXX, or who would be able to track down that information.
After multiple attempts at the branches proved pointless, I directed my efforts back to their general customer service lines. I spoke with numerous reps who promised research requests were submitted and I never heard back on the results of those requests. The last representative that I spoke with transferred me to a Supervisor who was very nasty and condescending to me and acted as if I was begging the bank for money, and not just claiming what was rightfully mine. This supervisor, unbeknownst to me at the time, proceeded to put a lock on my profile in TD Bank 's system, so that any time that I called in after this day, I would just be told by the front line reps that " I had failed to validate my account on multiple attempts over the phone and no information could be provided to me without visiting a branch ''. As of XX/XX/XXXX, I was placed on long term assignment for work overseas and can not just happily take a walk into a TD Bank branch location to clear up a " security alert '' that was placed on my file simply because this supervisor did not want to continue to help me.
On XX/XX/XXXX, I communicated once again with XXXX, to see if anything had shown up back on their end, over 2 months since they issued the refund, and was told once again that TD Bank has my funds ( See Attachment 5 - XXXX Credit Still Not Rejected ).
|
| 06/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Dear Sir/Madam, I am writing to address a persistent issue regarding fraudulent charges on my credit card account. I have invested significant time and effort in resolving this matter through telephone communication, only to be instructed to repeat the process via fax once again. It is worth noting that I had already sent a fax in XXXX ( Subject : XXXX card ending : XXXX ).
I opened an account/card with TD Bank called `` TD Cash '' in XXXX, after being enticed by their promise of XXXX foreign transaction fees. However, contrary to their initial offer, I have been unjustly charged foreign transaction fees while using this card. I have diligently honored my financial obligations and made timely payments.
On XX/XX/XXXX, a fraudulent transaction amounting to {$6100.00} ( posting date : XX/XX/XXXX, reference # XXXX ) appeared on my statement. Additionally, on XX/XX/XXXX I incurred a corresponding foreign transaction fee of {$180.00} ( reference # XXXX ) for that fraudulent transaction. Consequently, the total amount of fraudulent charges reached {$6200.00}.
Upon discovering these fraudulent charges, I promptly lodged a claim with TD Bank Card Services in XX/XX/XXXX ( case # XXXX ). I even visited the TD Bank branch located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, seeking assistance. However, I was informed by the branch manager that TD Bank and TD credit cards operate separately. Therefore, I was advised to contact the fraud department using the number provided on the back of my card, which I had already done prior to visiting the branch.
Furthermore, I made efforts to reach out to the vendor responsible for the fraudulent charge on my card, demanding immediate repayment of the wrongfully charged amount. Despite my calls and emails, the vendor did not respond to my lawful requests.
Interestingly, it appears that after TD Bank Services received my fraudulent transaction claim, the vendor responsible for the fraudulent transaction returned a portion of the charges, amounting to {$5900.00} ( reference # XXXX ) on XX/XX/XXXX ( posting date : XX/XX/XXXX ). However, this refund fell short by {$350.00} compared to the original total amount of fraudulent charges on XX/XX/XXXX ( posting date : XX/XX/XXXX, reference # XXXX ).
To my dismay, TD Bank reinstated the fraudulent charge of {$6100.00} and {$180.00} on my account on XX/XX/XXXX and XX/XX/XXXX, respectively ( reference # XXXX ). This action forced me to pay a total of {$350.00} for the unauthorized fraudulent transactions, despite my multiple calls reporting the issue ( fraudulent transactions ) and my visit to the TD branch office.
Consequently, I have incurred a loss of {$350.00}, which represents the discrepancy between the fraudulent transactions referenced as # XXXX and # XXXX. I demand full repayment of this amount. Additionally, the cost of faxing the related documents pertaining to Subject : XXXX card ending : XXXX amounted to {$8.00}. Therefore, I also expect to be compensated for the faxing costs, totaling {$8.00}.
I request your immediate attention to this matter and a prompt resolution that addresses the fraudulent charges, compensates for the incurred loss, and reimburses the faxing expense. I trust that you will handle this matter professionally and ensure that justice is served.
The math is easy here : {$6100.00} + {$180.00} = {$6200.00} ( ref # XXXX FRAUD ) {$6200.00} - {$5900.00} ( ref # XXXX returned by fraudster ) = {$350.00} LOSS to XXXX XXXX.
{$8.00} faxing expenses.
Total amount to be compensated by TD Bank Services for XXXX XXXX : {$360.00} IF TD BANK SERVICES DECIDES TO IGNORE MY LAWFUL DEMAND, I RESERVE MY RIGHT TO SEEK A RESOLUTION THROUGHT THE XXXX JUDICIAL XXXX XXXX XXXX XXXX.
P.S. On XX/XX/XXXX, I received a letter from TD Bank informing me that allegedly, I must resolve directly with the merchant. Which is an unlawful, illegal solution proposed by the TD Bank Card Services, which also contradicts what the Fair Credit Billing Act states.
Thank you!
I hope to see the credit for {$360.00} reflected on my account immediately!
XXXX XXXX
|
| 07/21/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, New Jersey ( XXXX ) XXXX XXXX XX/XX/XXXX Target Card Services XXXX XXXX XXXX XXXX, MN XXXX Re : Account No. XXXX XXXX XXXX XXXX Dear Sir/Madam : I am writing to you in regard to the above-referenced account with Target Card Services.. This letter shall serve to put you on notice that I am disputing this debt and, further, that I am requesting that this debt be verified in accordance with the Fair Debt Collection Practices Act. I am disputing this debt because ( 1 ) I was charged a late fee on XX/XX/XXXX after paying on time ( proof from the Target website and my bank account attached ) ; ( 2 ) When I tried to pay the actual, minimum amount due on XX/XX/XXXX ( {$30.00} ), they would not accept my payment. They called it a partial payment because I was unwilling to pay the late fee acquired the month before after paying on time. They offered to waive the fee off of the balance of the card instead of eliminating it from the minimum amount due. I still paid the {$30.00} due, and acquired yet another late fee. ( 3 ) I closed the account in XX/XX/XXXX, and although I have continued to make payments without making any purchases, the account balance has continued to increase and I have received a late fee each month after paying early ( proof from my bank account attached, as well as my Target account summary ). In fact, I have not made a purchase on this card since XX/XX/XXXX ; ( 4 ) Furthermore, the payments that I am making are being applied to neither the balance nor the payment amount due. I have made numerous efforts to speak with a customer service representative but have not had any success in resolving the issues. I was told by several customer services representatives that regardless of when I paid, the late fee is determined by when they process the payment on their end. In addition, on XX/XX/XXXX, I requested via a recorded line ( Target reference # XXXX, XXXX ) my itemized statements, as my balance has now increased {$1100.00}, starting at {$980.00} in XX/XX/XXXX, again without any purchases being made in between, and in fact payments being made totaling {$90.00}. Their response was that the company had no way to track individual purchases or produce itemized statements for Target Card holders. They offered to send the statements that are already available to me via their website, which only show the balance and the payment amount due. They are now also asking for a minimum payment of {$200.00}. Therefore, I am disputing this debt. In addition to calling their customer service representatives, I attempted to send a copy of this letter to Target Card Services alone on XX/XX/XXXX ( certified mail receipt attached ). I received a letter back signed only with someones first name - XXXX - stating without proof, that they were denying my request, because after reviewing the debt, she decided it was valid. She also closed the dispute without my consent. None of the actual issues were addressed, and she claimed that it was all started with a late payment in XX/XX/XXXX. Again, proof from my bank account as well as the Target website are attached, proving that I paid on time. A copy of this letter from XXXX is also attached. Finally, despite my payments, they have submitted several lates to my credit report regarding this issue. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Aside from verification of the debt, do not contact me about this debt. The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your anticipated cooperation will be appreciated. Respectfully submitted, XXXX XXXX XXXX CC : Federal Trade Commission Consumer Response Center State of New Jersey Department of Consumer Affairs
|
| 11/02/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
To Whom It May Concern, I, XXXX XXXX, bought a couch set from Raymour and Flanigan XX/XX/2018. The couch price was {$5300.00}. The first delivery that was scheduled was on XX/XX/2018. When the delivery came the couch was the wrong color and the delivery was again rescheduled for XX/XX/2018. After the couch was delivered on XX/XX/2018 my wife and I noticed there was an issue with the workmanship and the quality of XXXXne of the couch pieces the nonreclining seat. I immediately called the store and notified them by email : I just got it today ... The cushion padding is not fully filled. The leather looks stretched and wrinkled. The chair size in more narrow than the rest of the set. The armless chair does not seem to go with the setit looks different from other pieces.
Allso I provide pictures of bad piece ...
On XX/XX/2018 I noticed that the couch backing began to rip and that the couch legs would wobble even if the legs were on the carpet. On XX/XX/2018 I personally went to the store 's XXXX, XXXX XXXX, and told him I want to return the couch set because of poor quality and workmanship. I was told by XXXX that Raymour and Flanigan does not except returns or exchanges. I was never informed, when I bought the couch, that Raymour and Flanigan does not except returns. I was sold a Platinum Warranty coverage I was told that everything was covered, except for food and animal urine/feces. I feel I was taken advantage of because XXXX is my second language and no one explained the Refund policy to my wife or me. I tried to explain to him that the reason I want to return the couch was due to poor quality and I paid over {$5300.00} and expected a well crafted piece of furniture, he however, said he needed to contact corporate to see what could be done. He gave me an option of returning the couch with a 20 % restocking fee, however, why should I pay a restocking fee for a poorly made piece of furniture? I want to return the couch not because I changed my mind, but because of the quality of the piece that was sold to me. XXXX went on to say he will schedule a repair technician to come and assess the couch, on XX/XX/XXXX, however, I am worried that Raymour and Flanigan just prolonging time and after the inspection I will be told I can not return the couch. I want to return the couch and I think Raymour and Flanigan should relook at their return policy and do exceptions if the pieces they sell are poor quality.
I want return this furniture and full refund, I do not want a couch that is of such poor quality standard. I feel, Raymour and Flanigan took advantage of me. I was never explained the return policy, I was never told the terms and conditions. I believe it was the responsibility of the sales associate to explain and inform me. However, I am not returning the couch due to me changing my mind, I am returning it because of the poor quality.
As I understand I should be covered under the Pennsylvania Unfair Trade Practices and Consumer Protection Law ( UTRCPL ) .I think during my purchase salesman and representatives of Raymour and Flanigan mades : violations of the Unfair Trade Practices and Consumer Protection Law and 2 ) Negligent Misrepresentation.
UTPCPL Violations Pennsylvanias Unfair Trade Practices and Consumer Protection Law ( UTPCPL ), 73 P.S. 201-1, et seq. protects consumers from abusive business practices, such as Raymour and Flanigan. Specifically, the UTPCPL prohibits [ u ] nfair methods of competition and unfair or deceptive acts or practices in the conduct of any trade or commerce. 73 P.S. 201-3. Unfair or deceptive acts or practices are defined by the UTPCPL to include [ e ] ngaging in anyfraudulent or deceptive conduct which creates a likelihood of confusion or of misunderstanding. 73 P.S. 201-2 ( 4 ) ( xxi ).
Here, Raymour and Flanigan engaged in deceptive conduct by using knowingly inaccurate information to sell furniture to unsuspecting consumers. I spent over XXXX XXXX for poor quality product. This is a classic case of false advertising ; a bait and switch.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 01/08/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
It is not my intention to refused to pay or to avoid paying any lawful debt I may owe to TD BANK USA/TARGET CREDIT ( TARGET ), but since TARGET has ignored and refused to comply with my written request to substantiate its claims that I, XXXX XXXX owe money or ever owe money to TARGET on this alleged account # XXXX at issue. Im forced to make this good faith complaint and seek the aid of the CFPB to make TARGET comply, with its statutory duties under Federal Law ( FCRA ) to provide me with hard and substantial evidence that Im legally liable for this alleged debt, so I can promptly pay it.
Is undisputed that TARGET has received my written letters via XXXX certified mail as well as the XXXX XXXX. Unfortunately, TARGET has neither provided me with any substantial evidence that support its claim or even respond to my written debt verification requests on this account # XXXX, currently reported by TARGET, with the XXXX, and YET, TARGET has verified its accuracy and completeness of its tradeline more than once, within the last year with the XXXX in violation of my rights under FCRA.
TARGET has untruthfully verified the accuracy of its unverified, erroneous, incorrect innacurate and incomplete data information reported to the NCRAs in my credit file, in detriment of my XXXX score and my credit history.
To the best of my recollection, I have never filled out or submit any application for a credit with TARGET on or about XX/XX/XXXX, nor I have never used any credit card or ever had any actual and valid credit card with a credit limit of {$300.00} with TARGET or have any personal debt contract or agreement with TARGET since XX/XX/XXXX, under account # XXXX.
Additionally, I dont recall ever receiving any monthly statements or ever made any payment to TARGET on or after XX/XX/XXXX, on this alleged account # XXXX.
TARGET, please provide the following information : 1. A true correct and complete Copy of the original contract or/and application showing the date and terms of the agreement with my signature 2. All documents signed by me proving the amount of obligation 3. Copies of checks, statements and Documented proof that this is my obligation.
4. Full and complete payment history specifically the alleged payments I, XXXX XXXX allegedly made from XXXX XXXX thru XX/XX/XXXX. XXXX on account # XXXX.
5. Evidence of the way or form in which each of these payments was made on this account.
Since XX/XX/XXXX, I have sending dispute letters, challenging TARGET legal rights, interest, or authority to report any negative derogatory information in my credit file with any of the XXXX ) XXXX, XXXX XXXX XXXX.
TARGET has included but not limited failed to flag this alleged debt account DISPUTED as required by Federal Law, under FCRA.
Due to TARGET failure to comply with my request and untimely response for verification of the debt, TARGET is statutory obligated to electronically submit deletion of its tradeline from the main credit reporting agencies TARGET report to.
XXXX : Conf. Results # : XXXX XX/XX/XXXX Completed XX/XX/XXXX XXXX : Conf. Results # : XXXX XX/XX/XXXX Completed XX/XX/XXXX XXXX : Conf. Results # : XXXX XX/XX/XXXX Completed XX/XX/XXXX XXXX : XX/XX/XXXX, Investigations Results Report # XXXX XXXX : XX/XX/XXXX, Investigations Results Report # XXXX ( Attached ) Verification Letter sent to TARGET on XX/XX/XXXX ( no response ) ( Attached ) Verification Letter sent to TARGET on XX/XX/XXXX ( no response ) Since, XXXX XXXX, TD BANK USA/TARGET CREDIT ( TARGET ) claims that I, XXXX XXXX have an actual, valid credit or personal debt with them, under account # XXXX, by reporting it on my credit file with the XXXX THAT : I XXXX XXXX open an Installment account or apply for A SECURED LOAN or credit with TARGET on or about XXXX XXXX I XXXX XXXX , owe TARGET a balance of {$590.00} TARGET, received a last payment on this account in XX/XX/XXXX The last payment, XXXX XXXX made on this account was in XX/XX/XXXX The credit limit on this alleged account is {$300.00} The Charge off on this account is {$590.00}
|
| 06/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
While investigating the reason as to why a hold was put on my active joint checking account, I discovered numerous unauthorized charges related to my closed individual accout. My wife and I were married in XX/XX/XXXX after which we opened a joint account. The problems related to this matter concern my individual account which had been closed prior to our marriage. Simply put, I was told by TD Bank that I can not dispute charges to a closed account or an open account after 60 days from the disputed charge. Nonetheless, this is not why I'm filing a compiant. I am quite sure there's some fine print in a some document that I signed upon opening my individual accout that absolves TD of any liability because the affomentioned criteria had not been met. My issue withn TD relates to their failure and lack of willingness to assist me in researching and tracking down the vendor ( s ) that fraudulently debited money from my account.
Normally, when I notice a suspicioius charge on my statement there is enough information on the statement ( websight address/phone number ) that I can contact the vendor independantly and have the issue resolved. However, occasionally there has not been sufficiant info for me to research alone, and I have asked TD for their assitance. They have provided this service for me before, though I can not confirm whether or not I met the 60 day requierment at this time, and the bank established fraud and replenished all money back into my account. The problem now is that TD refuses to apply some discretion with regards to how they apply 60 day threshold rule. Is this an industry standard imposed on the banks by their regulators? I dont know the answer, but I do know that I consider the money taken from my account to be significant. This is especially true when one considers the fact that I owe arrears in child support ( thus the present hold on my account ), I am recieving unemployment/PUA benifits and that these subsidies are being garned by New York State Child Supporty Services. Additionally, my wife recently deposited her personal paycheck into our account and those funds are frozen as well. We presently have roughly {$3500.00} in the account that we have no access to. This is frustrating to say the least. This frustration could be alleviated with some cooperation from TD. At best they could wave the 60 day deadline on contested charges or at least assit me in tracking down the vendors. My last conversation with TD was on XX/XX/XXXX at XXXX with a supervisor named XXXX ( I asked for an employee ID number but she told me to cite the date and time of our conversation ), who advised me that all infomation that I neeed to contact the vendors in question was on my statement.
The charges in question took place on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In total they tally too {$2600.00}. They involve two vendors okshopservice and XXXX XXXX. In researching okshopservice, I find that the websight server can not be found and the telephone number leads to an auto message staing that the " call can not not be completed at this time please check the number and dial again ''. When I research XXXX on the web I'm taken to a site sponcered by XXXX. The following qoute is from their website : What is XXXX XXXX is a hosting control panel with simple and secure web server, website and web apps management tools. It is specially designed to help web professionals manage web, DNS, mail and other services through a comprehensive and user-friendly GUI. XXXX is about intelligently managing servers, apps, websites and hosting businesses, on both traditional and cloud hosting.
My research led me to call TD one last time requesting more detailed vendor information which resulted in my fruitless conversation with the supervisor XXXX. I have attached statements from my closed individual checking account for your review. I am at a dead end here and would appreciate any assistance you could provide to resolve this matter.
Regards, XXXX XXXX XXXX XXXX XXXX
|
| 09/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
Received promotional offer and did the 5 mobile payments with the credit card on XX/XX/2023. Never received the points. Called TD number on back of credit card. They transferred my three times and each department said they could not help me Hey XXXX, You can earn XXXX in rewards points ( a value of {$25.00} ) in a snap!
If you haven't already done so, add your TD Cash Credit Card ending in XXXX to your digital wallet and start using to qualify for your special offer.
Follow these steps to snag some extra points : 1 ) Add your credit card to your digital wallet Simply click the link below from your phone and select your TD Bank credit card as your default digital wallet payment.
2 ) Make payments on the go Just hold your phone up to the payment terminal at the store or use your digital wallet to make purchases in-app and online.
3 ) Earn XXXX points Make any 5 digital wallet transactions* with your credit card before XX/XX/2023 and the XXXX points are yours.
Add your TD Bank credit card now Bonus Points will be deposited within the next two billing cycles after the promotional period is completed Need help or want to say hi? Find us > Connect with TD Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer Service *A qualifying digital wallet transaction includes credit purchases using XXXX XXXX XXXXXXXX XXXX or XXXX XXXX that post and settle between XX/XX/2023 and XX/XX/2023. Purchase refunds/reversals do not qualify.
Offer is available for the credit card in name of addressee. You earn " points '' when you use your account to make purchases, minus credits, returns and adjustments each billing cycle. Not all transactions made with your account will qualify as a purchase for purposes of earning rewardsthose restrictions are more fully described in your Rewards Agreement and Redemption Rules. Offer is valid for transactions completed XX/XX/2023 through XX/XX/2023 ( " XXXX XXXX '' ), you will earn XXXX Points for completion of five ( 5 ) eligible digital wallet transactions. Bonus Points will be deposited within the next two billing cycles after the promotional period is completed. This offer is non-transferable and only valid on the TD Credit Card account that activated this Bonus Points Offer.
Provided your account is open and in good standing, Bonus Points can be redeemed for Cash Back or a variety of gift cards, merchandise or travel. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards. Sponsor : TD Bank , N.A .
Should you have any questions regarding this Bonus Points Offer you received, please call TD Card Services at XXXX.
If you wish to no longer receive these types of marketing offers in the future, log on to TDBank.com, click on " Privacy '' and choose " Marketing Preferences '' to update your preferences.
To view your full Rewards Agreement and Redemption Rules please visit tdcardservices.com.
Promotion is not valid where prohibited by law. This offer may be withdrawn at any time, is subject to change and may be reported as income to the IRS on a 1099-MISC.
To ensure future delivery of promotional email messages from TD Bank to your inbox, please add XXXX to your address book.
This email is an advertisement or solicitation. If you no longer wish to receive TD Bank promotional emails, please unsubscribe.
Email Security : Protecting your privacy is TD Bank 's priority. We will never ask you to confirm your account number, PIN, password, or any other personal information via email. If you are concerned that you have received fraudulent email, proprietary information or would like to report a suspicious email, please forward the email to XXXX or contact the TD Bank Phishing and Identity Theft Hotline at XXXX immediately. For more information, please visit tdbank.comXXXX
For written correspondence, please contact us at : TD Bank, Attention : Marketing XXXX XXXX XXXX XXXXXXXX, ME XXXX Member FDIC, 2023, TD Bank , N.A . and/or its affiliates. | All Rights Reserved.
|
| 05/09/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/XXXX I went to the Nordstrom Store located XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, to make a purchase. I did not have my credit card, so as usual, I gave the cashier my license and SSN to look up my account in their system to pay for my items. When she got my VISA Nordstrom Credit card number and tried processing the payment, I was told my card was declined. I was in disbelief because I know that I had not used my card since XXXX of XXXX. The cashier got on the phone with a Nordstrom CSR and that is when I was told that my card had 26 fraudulent transactions on my credit card totaling up to about {$9500.00}. Not once did Nordstrom reach out to see if it was actually me, considering that the person went over my credit card limit of {$7300.00}. Had I not gone to the store that day to make a purchase, I would not have known until I received a statement in the mail that these transactions were on my credit card. The CSR rep, while he had me on the phone, reported all of those transactions for me as fraud and then I was informed that an investigator would be contacting me. On XX/XX/XXXX I received the affidavit from Nordstrom, with all of the transactions from XX/XX/XXXX XXXX XXXX, XXXX, filled it out and sent a copy of my drivers license back to Nordstrom . I asked if I need to file a police report and they told me it was not necessary so I did not. On XX/XX/XXXX, dated XX/XX/XXXX received a correspondence from Nordstrom stating that my claim is false and that I would be held liable for those charges, they reapplied all of the conditional credit from XXXX back to the new credit card that was sent to me. I immediately called Nordstrom to speak with the investigator, he was not in, but i asked another rep how was that conclusion made. I was able to get a little bit of information that they used my drivers license picture, from when I was XXXX, I am now XXXX, to match the person on the surveillance camera who they told me was wearing a baseball cap. They also informed me that the transactions were made during the hours of XXXX, and I have full time job that can confirm the days those the transactions were made. If Nordstrom just did a comparison on the surveillance from the date those transactions were made and me actually being in the store on footage on XX/XX/XXXX they would know that it was not me. However, when I actually spoke to the investigator the following day, he was very tight lipped -- did want to disclose anything to me but told me that their panel concluded it was me so therefore I will be liable for those charges. Nordstrom did not even want to hear me out, didnt ask me to send and current picture of myself, didnt ask to see if I can actually verify if I was there ( I am a XXXX employee ), there was one transaction with a XXXX bill that was paid ( I dont have XXXX ). I believe that Nordstrom used the fact that it was a XXXX female on the footage so therefore it was me. Since I now felt like I had to do my own investigation, I filed a police report so that the detectives can investigate because Nordstrom told me they could not send me any of the footage, that it would have to be subpoenaed by the police department. I sent Nordstrom a letter telling them I did not agree with their decision on XX/XX/XXXX and they should re investigate -- they responded XX/XX/XXXX that my claim was false and that I would have to pay for it. I am writing because I feel like I have no other choice but to reach out for some external assistance because I am innocent. I have never put more than 1-2 transactions per year on my Nordstrom Card for the 4 years that I have had it and now I am being held liable for {$9500.00} worth of charges that were made in 4 day by someone who stole my credit card. Nordstrom not ONCE contacted me to see if those transactions were in fact made by me. I have taken pride in maintaining my credit score, since I was XXXX years old and never have I been in a situation like this. I have been physically sick over this because I feel like I was not given a fair investigation.
|
| 10/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX, I received a text message from TD bank asking to confirm or deny a {$310.00} purchase at XXXX. I replied no. I do receive these text messages periodically which makes me feel comfortable that TD bank is assertive with fraud. An hour after I received this message, I received a phone call from XXXX XXXX XXXX. I know and trust this number as it is TD banks fraud department. The man on the other end professionally explained himself as a Td bank representative with the fraud dept and explained there was a lot of fraudulent activity on my account and it appeared someone was in my online banking making zelle transactions. I did not give any information to this representative ( ie social, login info, passwords ). He did ask that I read back codes being sent for confirmation purposes, which again I trusted. This is a form of confirmation and authentication that my phone provider ( XXXX ) uses as well, so again I trusted this. I do not know TD banks policies and procedures ( if they text, call, etc ).
I was then told to confirm transfers being sent to XXXX XXXX. The rep explained they are on the other end of the fraud intercepting it in their database. Unfortunately, I was scammed out of {$3500.00}. I was unaware of the term spoofing and that someone can call you and have ANY number appear on your phone and in this case it was the fraud departments. After a police report and two denied claims later, I feel I need a different approach. I have contacted XXXX XXXX office who advised to file a complaint here and with the attorney general as well. I am not a stupid woman. I work in healthcare and am not naive. I learned an extremely expensive lesson on XX/XX/XXXX. However, I have been a TD bank customer for 16 years and TD bank has not offered any type of assistance and/or rectification. I tweeted my experience in an effort to include the public. I did receive a public message from TD bank on XXXX inviting me to contact them personally and we can discuss my matter. It has been over a month and no one has responded to me. The reasoning for my denied claim was due to authorization from the account holder, myself. However, it was under false pretenses. My cyber security was breached. I merely gave a confirmation to what was already going on. This was not a random number or a man calling from XXXX asking for my social security number. It was such a legitimate scam and I am so angry with myself. When I called to file my second claim on XX/XX/XXXX ( after my first claim was denied ), I was told by the representative this is a very popular scam right now. This frustrated me because I think TD bank customers should have been notified of this and this is where TD bank needs to hold some accountability as well. I reached out to the CEO offices and did receive a call back in XXXX from a woman named XXXX and expressed my concerns. She told me there is something in the works to get the word out to their customers about this impressive scam. This is too late for me, unfortunately. I am disgusted with TD bank and how they have treated a loyal customer of 16 years. Banks are insured for a reason and I do feel my complaint holds merit. Yes, I did authorize this scam. However, TD bank failed as well. I do not think it is right they arent holding any accountability in this. They didnt warn customers of what they called such a popular scam.
I went to XXXX bank to open new accounts and I explained to them what happened and theyre response was, they didnt offer any kind of help after being a customer for so long? They are willing to lose customers rather than do the right thing. I just want my money back. This is a difficult time for people and to offer nothing put a bad taste in my mouth with TD bank. It was insulting as a customer and a person during this pandemic especially to have had nothing offered. At this point I feel I am owed even more money due to the hassle, but I just want was taken from me. TD bank does not care about their customers and that was very evident during this whole experience.
|
| 11/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I purchased a new vehicle from XXXX XXXX in XXXX Louisiana on XX/XX/2021. The truck is financed with TD Auto Finance LLC in XXXX OH XXXX. The dealership had to make some repairs on the truck before I could take possession of it. When the repairs were complete I picked up the truck on XX/XX/2021. I live in XXXX XXXX Louisiana and on XX/XX/2021 the XXXX XXXX XXXX XXXX issued a mandatory evacuation due to Hurricane Ida. On XX/XX/2021 Hurricane Ida destroyed over 75 % of XXXX XXXX Louisiana. Myself and my family evacuated to XXXX Texas during the storm. Mail services was suspended for the storm and no mail would be sent or received. On XX/XX/2021 USPS mail service was relocated to XXXX Louisiana. All of my new truck paperwork was lost during the storm and being under mandatory evacuation we could not get back to XXXX XXXX to look for it. On XX/XX/2021 the mandatory evacuation order was lifted for residents to return home to XXXX XXXX. As of this time I have never received any mail from TD Auto finance regarding any payments of even how to communicate with them. I attempted to call them to see about the XX/XX/2021 in regards to payment and the representative I spoke with said that they cant access any of my information without a loan number. I explained to the TD Auto Finance rep that I never received anything due to evacuation of Hurricane Ida and I did not have any way to provide a loan number as I never received anything. At this time cell phone service was very bad on XXXX XXXX and I attempted 2 more times after that to find out information and was unable to obtain anything. We continue to check the mail looking for the TD Auto Finance documents and never receive anything they must have gotten lost in the mail. On XX/XX/2021 I receive 3 delinquent payment notices and a letter stating that I have missed 2 payments and that my account is late on payments. TD Auto Finance also sent a letter stating that they are reporting the delinquent payment to my credit report. I called TD Auto Finance and spoke to many representatives about this now that I have a account number and way to communicate with them. I told them that we are under a Federally Declared Disaster Zone due to Hurricane Ida which was a Category 4 Hurricane and hit XXXX XXXX Louisiana as a direct hit and mail services are not running properly and explained everything to them. On XX/XX/2021 I paid the outstanding bills in full over the phone so that my loan is current. The TD Auto Finance supervisor I spoke with said she will see what she can do to get the late payment removed from my credit report. Prior to this late payment I had an excellent credit score with no marks on my credit report in my history of credit reporting. This hurricane was a Natural Disaster and not of my fault and being newly purchased and evacuated shortly after purchase mail services in ruins how could this be my fault. The TD Auto supervisor XXXX XXXX stated that if we are in a Federally Declared Disaster area that they may be able to remove the late payment mark from the credit report and she would call me back within 30 minutes once she researched to validate the disaster area. I waited over 2 hours and never heard back so I called and was provided the response of " there is nothing that they can do because its not an error on the reporting and being it was actually a late payment and not an error on the reporting there is nothing they can do about the mark to my credit '' I insisted on this being an error as I never received anything in the mail to pay so how can this be right. I am only wanting the late payment that was reported to my credit removed due to a Federally Declared Natural Disaster area which devastated my home and displaced me and my family for weeks. USPS mail services are still not operational here at this time is 71 days of temporary/no power, water, or basic means of living. Prior to this credit report late payment I had " excellent '' credit now my credit report is " fair ''. Thanks you for your time and consideration in this matter.
|
| 05/12/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Older American |
|
TD Bank improperly approved a XXXX store credit card application fraudulently prepared in the name of XXXX XXXX , a XXXX -year-old XXXX XXXX resident. XXXX XXXX , who subsists on XXXX and a pension, is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . On or abo ut XX/XX/16 , employees at a XXXX XXXX XXXX used blatant misrepresentations to mislead and unduly pressure XXXX XXXX , without his informed consent, into signing documents that resulted in his enrollment in three credit card accountsincluding a TD Bank XXXX account ( XXXX ), which XXXX XXXX would not be able to use anywhere besides that storeused to finance a total purchase of more than {$17000.00} in merchandise. ( XXXX XXXX has submitted separate complaints about the other XXXX accounts with XXXX XXXX and XXXX . ) On or about XX/XX/16 , XXXX XXXX went to a XXXX XXXX XXXX XXXX store at XXXX XXXX XXXX , XXXX , NY XXXX to buy a stereo. An employee put XXXX XXXX on the phone with someone who asked for his income and whether he had previously been issued credit. XXXX . XXXX said he received Social Security and a pension, and had been issued a XXXX XXXX credit card a few weeks ago. After the call, the store employee told XXXX . XXXX he was approved for financing and could get anything he wanted. XXXX XXXX insisted he wanted only a stereo, but the employee began to fill a garbage bag with many other items, ignoring XXXX XXXX repeated protests that he did not need, could not afford, and did not have space in his single rented room for those items. The employee pushed papers in front of XXXX XXXX and told him to sign them. XXXX XXXX , ashamed he XXXX XXXX , said he did n't have his glasses and asked what the papers said. The employee said the total purchase cost {$3000.00} and he would have to pay only XXXX XXXX /month . He was not told that the total purchase in fact cost {$17000.00} and that he was being enrolled in multiple credit card accounts, including a TD Bank XXXX credit card account with a 28.99 % APR and a {$10000.00} credit limit. Nor was he told that the TD Bank account alone would be charged XXXX XXXX ju st {$7.00} shy of the {$10000.00} credit limit ( see attached ). ( The XXXX credit cards required a combined monthly payment of over XXXX XXXX abo ut one-fifth of XXXX XXXX monthly income. ) It now appears that the store employee had XXXX XXXX sign XXXX blank sales invoicesone for each fraudulent credit card accounton which the store then listed numerous items with prices. All too conveniently, the total cost on each invoice virtually matched ( and in one instance exceed ed ) each accounts credit limitthe TD Bank account had a {$10000.00} credit limit and was charged {$9900.00} ; the XXXX account had a {$4000.00} credit limit and was charged {$3900.00} ; and the XXXX XXXX account had a {$3000.00} credit limit and was charged {$3200.00}. The items charged to the TD account include an XXXX home stereo for {$500.00}, an XXXX laptop for {$1400.00} ( even though XXXX XXXX told the store employees he does not know how to use computers ), a pillow top mattress for {$990.00} that was never even delivered, and a XXXX music system {$2100.00}. A few days later, XXXX XXXX returned to the store with his brother and asked to return the items, including the never-delivered mattress, pointing out that only a few days had passed, that XXXX XXXX was overcharged, and that the mattress had not even been delivered. A store employee insisted the items could only be exchanged for store credit and refused to provide copies of the documents XXXX XXXX had signed. This experience has caused XXXX XXXX XXXX XXXX , hopelessness, and XXXX , and XXXX his XXXX , XXXX XXXX , and XXXX to which he is subject. He has also expressed XXXX XXXX to his brother.
|
| 10/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I refinance a mortgage with TD Bank in XXXX. No credit problems with anyone besides TD Bank on my TRW to date. TD bank has attempted to charge me unwarranted fees and is attempting to wrongfully foreclose on my home.
TD bank submitted the annual escrow payment report in XX/XX/XXXX period. There was large escrow balance to cover the next tax payment and more. In XX/XX/XXXX the account was current with TD Bank. In XX/XX/XXXX I decided to pay my own taxes and insurance due to major problems with TD Banks accounting. They were charging me Uncollected late fees for funds that were paid to them per the detailed history report provided by TD Bank. The mortgage payments were accounted for in an account called Unapplied Funds per TD Banks account data. I spoke to 6 different TD Bank representatives from their mortgage department while using the same phone number listed on my mortgage statements.
In early XXXX I spoke with a representative concerning paying my taxes and insurance myself. The individual requested I fax him a letter stating the fact that I would pay the taxes and insurance myself. I wrote XXXX faxed XXXX TD Bank concerning a change in the escrow account. I paid the taxes and home insurance ( advance ) for XXXX and XXXX. The mortgage payments were made timely for the principal and interest. There were no problems paying the taxes and insurance directly. I believed if we simplified the transactions to TD bank there would be no future confusion and/or wrongful charges.
TD Bank has a contract with core logic to pay the taxes in the township. Core logic made payments for taxes that were paid in advance by me. Thus duplicating the payments to the township. At the end of the townships accounting cycle, core logic was refunded the tax overpayments by the township. Also, there are several adjustments with the township and core logic listed in tax account with township since core logic pays a lump sum for many properties in the township. I have no control over XXXX XXXX and or a contract with them.
TD Bank has charged me late fees for each month of XXXX and XXXX period. TD Bank sent foreclosure letters concerning mortgage payments paid, cashed and received by TD Bank. TD Bank listed no payments received on my XXXX for the XXXX and XXXX periods. On the XXXX TRW the mortgage amount was reduced from {$2100.00} to {$1100.00} in XX/XX/XXXX but not to the contracted principal and interest amount of {$1000.00}. On the XX/XX/XXXX Mortgage Statement TD bank list Escrow paid to date {$550.00}. If we divide XXXX {$46.00}. {$1000.00} + XXXX = {$1100.00}. The amount listed as a scheduled payment on the TRW for the mortgage is {$1100.00}. To date TD Bank has not explained this {$550.00}.
My Taxes and insurance are paid in full for the XXXX and XXXX period by ( me ) mortgagee. The principal and interest is paid in full for the XXXX and XXXX period. Td Bank is fully aware of this. I have written XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX TD Banks Head of Payments Capability and Customer Experience with substantiation of the mortgage payments, tax payments and insurance payments. The amounts are paid timely and are paid in full to date.
XXXX XXXX The Loan Servicing and Customer Collections Customer Resolution Advocate was contacted XX/XX/XXXX in writing. TD Bank is charging me late fees, appraisal fees, legal fees and any other fee it can manage for a mortgage that is paid in full. While at the same time incorrectly reporting to TRW that I am delinquent. My credit score has plummeted do to TD Bank only and is costing me money.
TD Bank states that I am delinquent for {$26000.00}. To date I have not received any documentation detailing how this {$26000.00} amount was computed. But have provided a detail list with substantiation for all mortgage payments, tax payment and insurance payments to TD for the same periods in question. The payments exceed {$26000.00}.
TD Bank is attempting to foreclose on my property for {$550.00} of unwarranted fees.
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| 08/27/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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Please investigate TD Bank in the state of Virginia for possible involvement in illegal lending practices and debt collection.
As the XXXX of a XXXX XXXX XXXX in VA, I applied for an SBA loan with TD Bank in XXXX where SBA would guarantee XXXX XXXX of the loan amount. The TD Loan manager informed me that the SBA Loan process was tedious ad required numerous application forms and that a TD conventional loan would be easier and quicker since the XXXX XXXX qualified.
On XX/XX/XXXX, TD Bank called me in to sign for the loan. The Burrower was the business so I signed as the manager of the business. However, TD bank said there were a few pages where I had to sign as the guarantor.
Payments were made towards the loan up until XX/XX/XXXX when the XXXX timely applied for the COVID-19 Small Business Loan Payment Deferral from TD Bank and received confirmation that the application was received by TD. When I followed up with TD on the progress of the application later that month, TD Bank informed me that they made a decision to change the deadline to XXXX, XXXX for accepting applications and therefore my application will not be considered.
I requested a modification of the loan since there was no income due to the pandemic and was told by the TD loan manager that he requested that my application be looked at and was awaiting a response.
I had several follow-up emails and calls to the TD Bank loan manager and offered to pay 50 % of monthly loan amount and was told to wait for a modification of the loan. I also spoke to one of their senior Loan Managers and Attorney-in-Fact who told me that I should wait until they have worked out a plan with their " Work-Out '' Solutions Department.
Early this year ( XX/XX/XXXX ), I received an email from TD Bank informing me that they were " inundated with requests for assistance '' and had a " backlog. '' and instructed me to allow them more time to resolve a payment plan with me. These were the same instructions that XXXX XXXX provided me in XX/XX/XXXX. I continued to make visits to the TD Bank in XXXX to get updates and was told to wait.
However, I received no follow-up response to the payment plan and the TD Bank moved forward with a confessed judgement in XX/XX/XXXX with my wrong place of abode.
I filled a Motion to vacate the confessed judgement and found out from the judge during the hearing that the attorney assigned by TD Bank was not authorized to be the Attorney-in-Fact on this loan. The senior bank manager had informed me a week earlier that he would connect me with the Workout department after the judgement was removed The judgement was vacated so I reached out to the local bank to getting connected to the " workout '' Solutions Department and after an hour of her navigating the banks system she was unable to get intouch with anyone from that department. So I reached out to the senior bank manager via email who instructed me to not contact anyone but their attorney. I reached out to their attorney via email and here was his response : " I do not work at the bank '' and " do not know the details of the bank 's payment process. '' I went on-line and logged in to make payments but received Error Message " We're sorry, but appears you are not eligible for Bill Pay. '' The attorney sends an amount to be paid but has not been able to give me a statement with details on the principal, interest, late payments, legal fees.
I have made several efforts to make the payment online through my TD account and I have also made several trips to the TD Bank to make payment on this loan.
The online method is blocking payments from my account.
The attorney continues to harass me via email sending me updates that he is now the attorney-in-fact and is able to file a judgement against me and I will receive it via certified mail to my home address.
The responses thus far have been conflicting and quite confusing.
I believe that TD Bank is engaging in illegal lending practices and debt collection practice. Please investigate.
|
| 05/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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To whom it may concern On XX/XX/2023, my vehicle was illegally repossessed from inside a gated community and that is totally a breached of peace. XXXX XXXX repossessing my vehicle on a property that was not mine or a property listed on any paperwork that I provided. In fact, the gated community was that of a family member who was unaware the car had a lien on it. Because of this my family member ran out and stood in front of the vehicle requesting the company not take the vehicle. I also asked the tow guy to not take the car however, he refused my request. I also let him know he was breaching the peace, causing a scene and all the neighbors came out due to the commotion. I asked how he got through the gate and the tow guy refused to answer. If a proper investigation is conducted, you all will see the tow company illegally gained access to the property and illegally repossessed my vehicle.
Your company is attempting to collect on a debt that I do not owe. I am disputing the entire balance. I have not received any bills although I have made many requests to have the bills sent via XXXX mail every month. TD Auto continues to defame character by reporting the account as delinquent and unpaid even though there is a billing error dispute.
According to the Fair Credit Billing Act ( FCBA ) The creditor may not impose any charges related to the error resolution process or report the consumer as delinquent5. Consumers have the right to withhold payment of the disputed amount and any related charges until the dispute is resolved5.
Due to this illegal act, I am seeking remedy/refund of fees I paid to recover my car {$3600.00}, UCC Damages in the amount of {$8400.00} in addition to 10 % of the purchase price ( {$4600.00} ), and {$3000.00} for violating my consumer rights which is the total of {$19000.00}.
15 USC 1692 F Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.
This repossession was not ordered by the courts. I never had a contract with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. TD Auto Finance giving my private information to XXXX XXXX, XXXX and XXXX XXXX XXXX is identity theft.
According to the law. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.
( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
I would like to exercise my non-disclosure option. I need an accounting ledger of my account ; I need copies of the contract. I need every bill from XXXX XXXX to XX/XX/2023. I need copies of the repo order and the document I signed to recover my car, which the repo company refuses to give me, stating I had to get it from my finance company. My requests should be mailed to XX/XX/2023, TD Auto Finance repossessed my vehicle again now requesting me to pay {$28000.00} to recovery my vehicle. Ive made many calls trying to recovery my car.
|
| 01/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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In XXXX I purchased a vehicle for XXXX XXXX in XXXX, NC. I had intended to purchase this vehicle with my Credit Union which I had used for loans in the past without issue. I was preapproved with my Credit Union to purchase this vehicle, but the dealership was pushing me to go with TD Auto Finance instead and they beat my quote by .25 % so I went with them having never used or heard of them before. On XX/XX/XXXX, a full 11 days before my first payment was due, I logged in for the first time to my account. From the account page I went through a process and set up auto pay on the account as I always do on any bill or statement. After setting up auto pay, I didn't pay any more attention to it. Only long after the fact did I see that in my email box I had received a notification that my account that my TD auto finance registration was not complete. ( See attachment in later documents ). My first payment was due on XX/XX/XXXX. Having believed I had already set up my account and set up auto pay, I didn't take any further action.
Then on XX/XX/XXXX a fell very ill with XXXX. By XX/XX/XXXX I had a positive test confirmed ( also attached ). When my payment came due, I would have been deeply ill at that time, as did many others in my family fall ill. Our family of 7 ended up all getting sick and we were in quarantine for 5 full weeks until we were all recovered. On XX/XX/XXXX I received a call from my wife ( XXXX XXXX XXXX that she had received a call from TD Auto Finance that they were trying to reach me, and that they were unable to do so. I called them immediately to see what the problem was and they informed me I was late on my payment, and that I owed a double payment. I made the payment of {$710.00} over the phone on that day. It wasn't until sometime in early XXXX that I got an alert that a 30 day late was posted to my credit report, which dropped my credit score from an XXXX to a XXXX. In 20 years of credit history I have never missed a payment. I called TD Auto Finance and requested that they remove the credit reporting issue because I believed that their own system had failed me in the process of setting up my account and auto pay back on XX/XX/XXXX. They said that they could see where I had logged in, but that It didn't show I had successfully set up auto pay. I begged them to remove the report, but they said they were not at fault and would not do so.
My next step was to contact the XXXX XXXX XXXX to see if they could assist me in filing a claim. I reported to TD Auto finance that I believed that they did not actually have my correct phone number, because I have absolutely zero record of them ever calling me, nor do I have a single voicemail message from them. They reported in their response to me that they called me at the following dates and times : XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX and at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, the calls continued every business day around the same time until XX/XX/XXXX. I requested that they tell me the phone number they were calling me on- they did not respond further. I also requested they tell me the number they were calling me from so that I could inquire with XXXX to see if they called me- They also did not respond. I have been fighting with them to remove this report from my credit based on the following reasons : 1. the failure of their online platform to adequately complete my auto pay registration on XX/XX/XXXX. 2. The failure of the company to reach me to let me know I was late - they had my email, my cell, and my wife number and the first time they actually reached me to let me know my account was delinquent I paid it immediately. 3. I had full intention and made full attempt to pay them - therefore this is not accurate reporting. 4. When the payment came due, I was sicker than I had ever been in my life with XXXX ( I believe the Cares act needs to look into credit reporting issues during covid- or provide government relief for cases like mine ).
|
| 03/02/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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|
Web |
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XX/XX/2020 TD failed to protect our account when a Check for {$71000.00} was created without our knowledge and mailed out to company we did not authorize. This was the first ever check created like this on our account for more then half the money in the account. It never showed as pending in our account nor were we notified when this check was created.
XX/XX/2020 Contact TD Bank called to notify Td bank was told routing number was wrong number for our account and should never have been processed, told XXXX XXXX would contact us. Froze all accounts XX/XX/2020 - New accounts were created affidavit of theft filed with bank. Told XXXX XXXX would contact us to help resolve theft.
XX/XX/2020 - Finally contacted by XXXX XXXX left message. Called back 3x 's I spoke to him, I had to hunt him down to get an answer.
XX/XX/XXXX XXXX- Spoke with XXXX XXXX Mr. XXXX assigned to my case. Told me they were looking into it and would get it resolved to get out money back but needed about a week.
XX/XX/2020 - Had to call XXXX XXXX 2x 's to get an answer, said that fraud was going to deny our claim that IP address matched ours. He gave us Fraud dept Mrs XXXX 's number who was handling it and left a message. Filed police report with local police department XX/XX/2020 - called Fraud Mrs XXXX 2x 's, no call back. Get copies of fraudulent check from TD Bank. Routing number does not match my bank. Leave Fraud department another message XX/XX/2020 - File IC3 report/ complaint with FBI over stolen money. Spoke with Detective in town, Spoke with bank manager and set up meeting to see him. Filed FBI report IC3 Report. Dropped off copy at Police department.
XX/XX/2020 - spoke with XXXX XXXX again to find out he was only paper pusher and did no investigating- got supervisors name and number but she was not in. Met with bank manager, he left messages for Fraud and XXXX XXXX as well. Bank manager and I were able to find on line company that stole check and person it was written too, he attempted to make contact. Still no word from XXXX XXXX or fraud. Bank manager spoke to person signed check and said he can tell she is guilty and was telling the truth based on his prior job as a police detective.
Spoke to customer service about routing number and account numbers on check and could not answer why it was not for NJ routing number.
XX/XX/2020 - Received rejection letter with 4 word " Fraud did not occur ''. Again we have never used Pay bill to anyone in the over 10 years with TD Bank, this was the first ever check someone hacked into our account and cut a {$71000.00} check out of and TD Bank did not flag it, it did not post in our pending file on the account.
XX/XX/2020 - Called customer service number on the rejection letter, still could not answer why check did not get flagged, why it did not have a NJ routing number on it and could not answer why it was not flagged considering it was first ever check for {$71000.00}. Spoke to Fraud supervisor who was very combative and told me I needed s subpoena to obtain the ip address information of log ins, whether they were internal or external, how many times and when, Even though TD Banks own web site says they must be provided to me. The fruad case worker we contacted on XX/XX/XXXX still has not returned our call and is the on handling the case. Left message for XXXX XXXX Supervisor to call me on XX/XX/2020. Customer service also did tell me that my account on their end shows no records of XXXX XXXX looking into my account or making any notes.
At this point TD Bank has been negligent in handling the theft of our money and is doing nothing to assist us or attempt to get it back and refund it given their in ability to protect my money as their commercial and radio ads say. I have been deceived by TD bank in believing that our money is protected and insured and they would do their diligence to protect it since we have entrusted it with TD Bank. At this point I feel that Td bank has committed wrongful conduct and has deceived me.
|
| 02/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 section 602 ( a ) states " there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, XXXX, and XXXX are credit agencies and I am the Consumer. It is my lawful right to make sure my information is kept private and is not shared. 15 USC 6801, which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information, '' supports my claim. TD BANK USA/TARGET CREDI is a financial institutions by definition under this title. 15 USC 1681 section 604 ( a ) section 2 states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer repot under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates ''. The financial institution, TD BANK USA/TARGET CREDI, along with the consumer reporting agencies, XXXX, XXXX, and XXXX, did not and do no have my consent to furnish this information nor did they have or do they have my written consent. Any and all consent to XXXX, XXXX, XXXX, and TD BANK USA/TARGET CREDI, whether it be written, implied, verbal, nonverbal or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " a financial institution may not disclose nonpublic information personal information to a nonaffiliated third party unless -- - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. TD BANK USA/TARGET CREDI never informed me of my lawful right to exercise my nondisclosure option. Along with that, 15 USC 1681C ( a ) ( 5 ) states " except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of he following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts are adverse items they are reporting again without my permission which is against the law. 15 USC 1681 ( b ) states " It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. The financial institution inaccurately reported the closing date of this account as XX/XX/XXXX, when in fact, the closing of this account took place months prior in XXXX. 5 USC 552 ( a ) ( b ), which is the Privacy Act of 1974, states " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of the individual to whom the record pertains ''. Again, these financial institutions and credit reporting agencies did not and do not have my written consent. 15 USC 1681s-2 ( A ) ( 1 ) states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ''. 15 USC 1681e states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states " a consumer may exercise the right to opt out at any time ''. I am opting out of these reporting services.
|
| 10/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
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|
Web |
Older American |
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On XX/XX/XXXX I received a call informing me I was a XXXX dollar winner, I knew it was a scam and told them to drop dead. As I hung up my cell phone my laptop flashed stating my computer had been hacked into and I needed to call XXXX at the number on the screen. Instead, I googled for XXXX XXXX support got an XXXX number called it and I could not hear what the person said at first due to too much noise in their background. I asked if this was XXXX XXXX support and they said yes. I told them about the warning and they said they could that my computer had been hacked into and my XXXX XXXX Account had transferred {$190.00} to a XXXX account. They told me they could block the transation by my dupliating the transaction which was suppose to cancel the first I follwed their instructions sending {$190.00} to XXXX XXXX. The man said the account had been taken care of. I checked my blanance and the {$190.00} was gone. I immediately called XXXX XXXXXXXX XXXX who confirmed the money was gone and the olnly thing they could do was to contact XXXX and if they could assist..
i next called TD Bank in XXXX. I just moved to XXXX from XXXX in XXXX and my social security check still goes into that account. I called TD Fraud to let the know about XXXX XXXX and to make sure my account with them had not been hacked into. The woman said it lookerd OK but whe would place a hold on it ummtil I took my computermand phone to XXXX and had to cleared. She said I woiuld not be able to have online banking until this was done. I told her I was only expecting two bills to come out, she took down the information and said my social security check would go in and the to billls would be paid I called XXXX and they cleared my computer and phone. On XX/XX/XXXX my social security check was deposited and I called TD to have them release the hold and they said there never was a hold, the account had been suspended. If wanted to removed the suspension wuoud have to come into a TD Branch which is impossible sine I live in XXXX.
They transfered me to the Fraud Department and I spoke with XXXX who said he could have me change my Usernamea and he would gie me a temporary password to get into my account. XXXX said then we could transfer the money from the checking into the savings account and transfer the money to XXXX Account. That did not work so I was transferrred to XXXX who said he could help. We got the money moved to the savings, did the transaction for the transfer from TD t XXXX XXXX but it said it would take until XXXX On XX/XX/XXXX, I went online to make sure the money had transferred instead TD Bank had blocked the transfer. I immediately called TD Ban at XXXX XXXX time. and after several transfers I spoke with Preious who said she did not underrstnd why this had happened since the fraud was against another bank. After am 1 1/2 hours she said she had completed tje " XXXX '' form and sent to the higher supervisors and she hoped it would work for me to cal back in three or four hours ; I called back a XXXX spoke with XXXX who transferred e to the Fraud and they had no one in to help.
I called back and spoke wth XXXX who also transfered me to Fraud. They told me nothing could be done, they were sorry I did not have any money but the account can not be touched unless I come ito TD Bank They said the account would be dead XX/XX/XXXX and they woud send me a check at that time I found out two bills that came through were not paid I aled again on XX/XX/XXXX and spke with who said there was nothig they they could do.
I called back later that day and spoke with XXXX and she said she would transfer me to a supervisor and I was disconnected.
I called back and spoke with XXXX who transferred me back to fraud where was told again that nothing could be done amd after XX/XX/XXXX the funds would not be reoeased until I came into TD.
I am XXXX years old and they have all my money for food, gas, housing and they sad they were " sorry '' but once the disclosure was read it sealed ther deal.
|
| 05/14/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
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Web |
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This complaint is with Target Redcard. This involves fees levied after I experienced theft In my banking account, which forced me to change my billing bank account information associated with my Target XXXX. I 've been enrolled in XXXX auto-pay for several years, which has always deducted my statement account balance from my bank as an auto-payment. When I changed my bank account in XXXX, I did forget to update my target XXXX auto-pay info. As a result, the XXXX XXXX payment went to my closed account, it was rejected and I was charged a {$27.00} fee plus another {$1.00} fee. Upon relalizing my mistake on XXXX XXXX, I logged onto my account, added my new bank account, and paid off my entire balance in full, leaving me at a XXXX balance. I noticed the auto-pay did n't seem to take or finalize, so I called XXXX customer service to make sure I was doing everything right, so there were no further issues. I was told it takes a few days for auto-pay updates to process, so I needed to log in again later to finalize. The operator also acknowledged that she saw I had paid my balance in full for XXXX so that gave me plenty of time to make sure things were correct before the XXXX billing cycle. The key here, is that this a credit card, not a debit card. Previous auto-pays processed for the previous months closing statement amount, never my current balance. So here, I had a XXXX balance on XXXX XXXX. On XXXX XXXX I went to Target and made {$130.00} in purchases. On the same day, XXXX XXXX, XXXX drew {$130.00} from my old accont. Having made that XXXX purchase since I had payed my bill in full on XXXX XXXX, it reminded me to make sure the auto-pay was updated and correct for my next statement cycle, On XXXX XXXX I logged in to my account to find the {$130.00} purchase I made on XXXX XXXX was deducted immediately from my account that same day. ByXX/XX/XXXXI had incurred another {$27.00} charge because it went to the old account. Again, it 's a credit card, not a debit card, and payments were set up to draw off the current statement balance ( which was always from the previous month ). I 've spent over 6 hours on the phone with Target XXXX, and talked to over 10 different employees. At about hour 5 on the phone with XXXX staff and supervisors! XXXX finally informed me that when you pay off your account in full with a one time transaction, the next auto-pay will then default to take any active balance ( not just your statement balance ). XXXX said that by zeroing out my account on XXXX XXXX, that gave Target XXXX auto-pay permission to then take any active balance as part of the Auto-pay scheduled on XXXX XXXX. I asked why I was n't given this important information when I called in on XXXX XXXX. I was simply told it was my fault, not theirs. I talked to 5 supervisors XXXX, XXXX, XXXX, XXXX and XXXX. Very unpleasant experience. Was told this was my tough luck, and there was no escalation beyond them, but I could try writing a letter. I 've included a snapshot of my transaction statement. Remember this a credit card, not a debit card, but it shows my bank account was debited the same day I made the purchase. In fact, the bank draft posted 1 line item before the purchase posted. I 'm asking for the second {$27.00} fee to be waived. The first mistake was mine, but I paid off my complete balance in full, and called into customer service to make sure I was good, and would have no issues in the future. XXXX failed to inform me of their auto-pay practices. Even talking to a supervisor, it took the 4th supervisor to offer an any explanation as to why a credit card would withdraw your account for a purchase you made the same day. The whole experience screams of mismanagement and consumer fraud. Target XXXX turned my credit card into a same day billed debit card without adequately informing me. In lieu of the fee being waved, I also would take a target gift card worth {$27.00} and call it a day. XXXX XXXX Target Redcard Customer Phone number is XXXX
|
| 10/12/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
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Web |
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I have a Private Label credit account with TD for financing of home furniture. There have been XXXX separate purchases on the account - XXXX with no interest for XXXX years, the other occurred XXXX/XXXX/16 for {$630.00} with a 6 month deferred interest plan expiring XXXX/XXXX/16 ( promotional plan XXXX ). Beginning on XXXX/XXXX/16, I increased my minimum monthly payment by {$110.00} to a total of {$320.00} per month in order to cover the {$630.00} charge within the promotional period.
In or about XX/XX/XXXX, I noticed that per the billing statements supplied, my monthly payment was not being applied to the XXXX purchases as outlined in the terms and conditions included with the statement. Per the agreement : " How Your Payments Are Applied to Your Account Balance : b. Application of Payments in Excess on the Minimum Payment : We will generally apply payments and credits in excess of the Minimum Payment Due in the following order : ( i ) to purchase transactions with the highest Daily Periodic Rates and corresponding APRs ; ( ii ) to purchase transactions with the lowest Daily Periodic Rates and corresponding APRs ; etc..
Per the T & C, this would be equivalent to {$200.00} to plan XXXX, {$8.00} to plan XXXX and {$110.00} to plan XXXX.
I contacted TD and was advised that " that was n't the way it worked '', in which I referenced the T & C. I was advised that they would correct the recent payment only, and that " in order for the payments to be applied correctly, I would need to contact them monthly and ask for they to reapply the payment correctly ''. Apparently, this representative was trained to handle and aware of TD 's inability to apply payments correctly.
On XX/XX/XXXX, I noticed that following my call to TD, they began to apply the payments according to the T & C 's on the account without my intervention, which was again as follows : {$200.00}, {$8.00}, {$110.00}. However, per the XX/XX/XXXX statement, I was going to be charged accrued interest. Due to TD 's failure to process the payments according to the T & C 's, I was set to receive interest penalties, which should be considered an Unfair, Deceptive And Abusive Practice.
On XX/XX/XXXX, I contacted TD to advise of the error and to ask for them to correct the situation. After connecting with an agent and explaining the situation, I was hung up on. I called back, explained that I was just hung up on, re-explained the situation, and was promptly disconnected by the agent, again. Each time, purposefully. I called TD back a third time. I promptly asked the agent if they were experiencing any issues with their phones, which I was advised they were not. I explained the prior two calls being intentionally disconnected, and the agent seemed concerned, but not surprised. After explaining yet again the situation and being placed on hold, I was advised that there " was nothing they could do '' and " that 's just the way it is '' and " I do n't make up the rules ''. At that point, I reminded the agent they did make up the rules, that it was their own T & C 's, and I needed to speak with a manager. I reminded the agent that I 'm probably not the only one with this issue, and that would speak to a potential CLASS matter. This accelerated the manager to take the call. After being placed on an extremely long hold while the manager manually added up the payments and how they were incorrectly applied ( only {$580.00} posted XXXX ), I was advised that I was correct.
XX/XX/XXXX - XXXX -- should be XXXX XX/XX/XXXX - XXXX -- should be XXXX XX/XX/XXXX - XXXX -- should be XXXX XX/XX/XXXX - XXXX -- should be XXXX XX/XX/XXXX - XXXX -- should be XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX As of the XX/XX/XXXX statement, I paid {$670.00} on the {$630.00} deferred interest plan. The manager advised me to pay an additional {$45.00} to cover the amount that they had not credited to my account correctly, and she would adjust the interest off of my account. I paid the {$45.00}. Interest was not removed.
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| 06/16/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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I am a customer of TD bank, where I hold a checking account. I am a US citizen, but have lived abroad for XXXXXXXX XXXX, and am not in the US often. I am currently out of the US. My bank requires a two-step verification, but has no actual way of updating numbers to it. In order to update the number, the system requires me to accept SMS messages on the old number and the new number. It is impossible in most places to accept an SMS on a foreign XXXX, meaning the bank has not given me a sufficient way to update my number. Further to that, the last number the bank did allow me to update with in a call last year, was a prepaid number, which I'm specifically told can't be used for verification. So they allowed me to update with an unusable number, and then locked me out of all functions.
I failed the two-step verification because of these issues and have been locked out of all online, mobile, and telephone functions. I have called numerous times to get my account unlocked, but no one will help, and in fact, I am actually told I have to return to the US just to verify myself. I was told this while talking on XXXX, which allows video which can be used for verification. I can verify my account in every possible way, but I can't accept the text message for the two-step, and the bank thinks this is enough to lock me out of functions. I am more than aware that whatever their standard procedures are, that they can be overridden, and I can only imagine ( but will soon get the full legal update ) that in the event of me being locked out of my account, while abroad, with no one to speak to me, that criminal liability can be involved for anything that happens. I don't believe TD bank actually stands by this - or would put itself in this position, but I have been unable to get to a level where other measures can be taken.
I asked the bank what happens if I lose my card, or if they think there is fraud and lock my account ( as both are functioning, though I can't get info on them ). I was told that no one would speak to me in such a circumstance, meaning the bank would cut me off from my funds, and not speak to me, even though I'm abroad, leaving me completely stranded. This is extremely dangerous, and would unequivocally result in legal action taken against them. I have called no less than XXXX times to have functionality restored for my own safety. They refused to allow me to speak with someone on a higher level with more authority. I have all of this recorded.
As far as I am concerned, this is my money, and so long as there is any way to verify me, it has to be done, especially considering my circumstances of not being in the US. The bank is putting me in an extremely dangerous position, and then saying its for the security of my account, when in reality, it makes both me and my account incredibly insecure. I can not close my account, I can not report fraud, I can not request payments, I can not do anything but hope they don't randomly decide to block my card. This is unacceptable, and it seems pretty legally unacceptable as well, given the fact I was never given a viable way to update my security number, or a way to verify with something other than a non-pre-paid.
I want to be let back into my account functions. This simply requires a verification of some kind outside of the two-step. Right now, I can't even receive communications from my bank because they refused to take down any other number!! Which means they can't get in touch with me, also quite dangerous, which I explained. But again, they chose not to do anything about this. I will seek whatever legal help I need outside of this, but I do not accept that I have to return to the US to have functions restored for my own account, and certainly not while I am perfectly able to speak to them to confirm who I am.
This is not just an issue for me. This is an issue for anyone who goes abroad, and fails a two-step verification ... which given their policies, should be plenty of people.
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| 10/01/2016 |
Yes |
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Web |
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I was enrolled in a 12 Month Payment Option ( payment option ) plan ( Exhibit # XXXX ) that required a recurring payment schedule of pre-authorized debits which was automatically setup by Target Card Services in XXXX XXXX. The balance on the account was {$230.00} and the terms for the payment option with Target Card Services included a fixed monthly payment of {$10.00}, due on the XXXX of each month, no use of credit account while on plan and a reduced APR of 0 %. Therefore, under this payment plan, my credit was revoked and any pending payments scheduled through the Manage My REDcard website were cancelled. Per the payment option terms, the start date for the ACH debits began XXXX XXXX, XXXX in which {$10.00} was processed and the second ACH debit for {$10.00} was processed on XXXX XXXX, XXXX.
I called Target Card Services on XXXX XXXX, XXXX and cancelled the payment option plan because I had filed Chapter XXXX on XXXX XXXX, XXXX. ( Exhibit # XXXX ) According to the Chapter XXXX plan, all debts must be paid through the Bankruptcy Court. I could not pick and choose which creditor to pay outside the Chapter XXXX plan. Therefore the payment option plan with Target Card Services had to be cancelled.
On XXXX XXXX, XXXX, Target National Bank filed a Proof of Claim ( Exhibit # XXXX ) to the US Bankruptcy Court : claim totaled {$220.00} ( {$190.00} [ principal bal ] + {$30.00} [ fees ] ). According to Target 's 12 Month Payment Option plan, if payment option is cancelled, balance will include fees etc. It is evidenced in the Target National Bank Proof of Claim, account summary ( Exhibit # XXXX, XXXX ) that my account initial balance was reduced to {$220.00} after being enrolled in the payment option plan with Target Card Services.
The Bankruptcy Notice to Creditors, dated XXXX XXXX, XXXX ( Exhibit # XXXX ) specifically states that creditors may not take certain actions to collect money etc. and the automatic stay immediately went into effect : Target Card Services did not cancel the payment option plan as I had requested on XXXX XXXX, XXXX. This was to STOP ALL ACH debits to my bank account. The third ACH debit for {$10.00} was processed on XXXX XXXX, XXXX and was unauthorized. My XXXX XXXX Bank Statement dated XXXX XXXX - XXXX XXXX, XXXX shows the unauthorized Target NAT'L Bank Bill Pay Transaction dated XXXX/XXXX/XXXX for {$10.00}. ( Exhibit # XXXX ) XXXX XXXX processed a Stop Payment Order against Target National Bank on XXXX XXXX, XXXX ( Exhibit # XXXX ) and XXXX XXXX XXXX XXXX. investigated and confirmed that it was an unauthorized charge. ( Exhibit # XXXX ) Target Card Services violated the bankruptcy automatic stay.
XXXX XXXX of Target Card Services had written in a letter dated XXXX XXXX, XXXX that my account was sold to XXXX on XXXX XXXX, XXXX. The US Bankruptcy Court does not show that Target National Bank transferred their claim to XXXX. A " Transfer of Claim '' was filed on XXXX XXXX, XXXX by XXXX ( Ophrys ), XXXX, XXXX. Target National Bank is listed as the Transferor and had 21 days to object to the transfer. Target National Bank did not object and the US Bankruptcy court confirmed the transfer. ( Exhibit # XXXX ) The Dispute : Target Card Services, Target National Bank, TD Bank USA NA are inaccurately reporting in my XXXX XXXX XXXX that my account was 60 days late, they removed the initial reporting that account was included in Chapter XXXX Bankruptcy Wage Earner plan ( Exhibit # XXXX - initial reporting ) and they now report account as a " Charge off '' ( Exhibit # XXXX ) which is a violation of my rights under the Fair Credit Report Act.
Target Card Services has indicated on XXXX XXXX, XXXX that account was sold to XXXX on XXXX XXXX, XXXX and that no Proof of Claim was filed in U.S. Bankruptcy Court. Target National Bank filed a Proof of Claim, which included the account summary, on XXXX XXXX, XXXX and their failure to give notice to the U.S. Bankruptcy Court of the sale to XXXX is a federal law violation
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| 09/12/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Privacy issues
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Web |
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I disputed this with all of the credit reporting agencies and they say you verified it yet I received no sworn verification from you. You are not allowed to just claim something is verified and not provide the actual documentation and sworn affidavit of verification. Failure to do so is and NOT verified! Thats what the courts say, so I reject your claim of verification for this alleged account.
I am requiring you to remove this from my credit reports pursuant to FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) because in order to be compliant with this section of the FCRA, you were REQUIRED to get my consent in writing to collect any information, to make any communication about any account on my credit report. I have NEVER consented to your communication on my credit reports.
I am also Opting Out of the sharing of this non-public personal information with non-affiliated 3rd parties pursuant to the Gramm-Leach-Bliley Act ( GLBA ) 15 USC 6802. Credit reporting agencies are non-affiliated 3rd parties. I am attaching a brief on the GLBA and Privacy Act highlighting what I am saying.
By this notice, debt collector and/or Alleged Creditor, including its/their principals, agents, assigns, employees, shall comply with the provisions of the Gramm-Leach-Bliley-Act, 15 USC 6802, 6803 the Privacy Act of 1974, as lawfully amended at [ 12 USC 3401 ], the Right to Financial Privacy Act of 1978, as lawfully amended at [ 5 USC 552a ], and the Third Party Summons Act special procedures [ 26 USC 7609 ], for assisting the Respondent in keeping inviolate certain constitutionally protected privacy rights and guarantees, and from preventing encroachment thereon, also Opting Out of any and all non-affiliated third party reporting of any kind of my personal identifiable information.
By this notice, debt collector and/or Alleged Creditor, including but not limited to principals, agents, assignees, employees, shall comply with this demand ; debt collector and/or Alleged Creditor, shall provide Respondent with a copy of any express written authorization from Respondent, whereby debt collector and/or Alleged Creditors authorized for disclosing/divulging/sharing, any type or kind of my personal identifiable information with any non affiliated third-party, in any manner, as well as by means of communication, any information, documentation, data, property, effects and the like re Respondent. Debt collector and/or Alleged Creditor failure/refusal in providing said foregoing demanded authorization constitutes admission and stipulation that debt collector and/or Alleged Creditor are in violation of, including but not limited to Gramm-Leach-Bliley-Act and Privacy Act.
FULL CEASE AND DESIST SHARING OF INFORMATION WITH ANY AND ALL CREDIT BUREAUS PURSUANT TO GRAMM-LEACH-BLILEY ACT, The PRIVACY ACT of 1974, & The FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) You are hereby notified under provisions of the Privacy Act of 1974, the FCRA, and The Gramm-Leach-Bliley Act that I DO NOT CONSENT TO THE COLLECTION OF INFORMATION OR MAKING OF COMMUNICATIONS ON MY CREDIT REPORT. I officially OPT OUT of the sharing of my non-public personal information with non-affiliated 3rd parties such as and specifically the credit bureaus, pursuant to the GLBA.I am also reminding you of the prohibition of the sharing of my non-public personal information pursuant to the Privacy Act of 1974, and for your Failure to get my consent in writing for ANYONE to collect information used to make a communication on my credit report. You are required to completely remove, delete all traces of this from my credit reports IMMEDIATELY.
You have 15 days to send to me confirmation in writing that you are ceasing sharing this information pursuant to the Full Cease and Desist ordered by me, which includes deleting this alleged account from every one of my credit reports and every credit bureau you shared the information with.
Silence Equates To Agreement ~ Point of Law.
Time is of the essence, Best, XXXX.
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| 11/28/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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On approximately XX/XX/2020 TD Bank contacted me to ask if I had authorized 41 charges totaling approximately {$3300.00}. I informed the caller that neither I nor my wife authorized the charges.
I was told the charges will be sent to the dispute department and that a fraud investigation would take place. In XXXX I received mail postmarked XX/XX/202. It contained a letter from TD Bank dated XX/XX/2020. The letter stated that they attempted to reach me by phone and in writing to obtain necessary information. Any phone calls that TD bank had made to me were not described in caller ID as coming from TD Bank. Therefore being elderly and with the elderly being subject to scams I do not answer phone calls or listen to voicemails from callers who can not identify themselves as being legitimate. TD Bank did not make it clear that it was anyone from TD Bank trying to contact me. These are safety measures that I and most reasonable individuals will take.
They also stated in the letter that they attempted to get in touch with me in writing, however this is not true. There were no mails nor emails sent to me regarding the matter between the initial report and the letter I received in XXXX. The letter stated that they were closing the matter at this time and to call XXXX XXXX XXXX if I had any questions. On XXXX XXXX, I called the # and discussed the situation with a representative. I was told that TD was trying to contact me to find out if anything that was ordered as part of the fraudulent charges were received by me in the mail. I told them that nothing was received because we did not order anything nor charge anything. I told them that they did not carry out the investigation to a satisfactory result and to reactivate the dispute and clear my charge card of these charges. TD Bank has not produced any letter or email that they claim that they had sent to me. It appears that someone at TD Bank is not being truthful about this matter. They stated they would notify the investigator.
Prior to receiving that letter above I had called a second time and inquired as to why things were taking so long and I was told that there was a shortage of individuals due to the Covid crisis which is understandable and to please be patient on the matter. So how am I to be patient with TD Bank especially when they are not doing everything they can do to contact me. There are multiple ways to contact me. In addition to my address they have another phone # which actually was the phone that I was initially contacted on XX/XX/XXXX. It appears to me that TD was beating around the bush here in order to get to a point where they would refuse the claim.
Again after not hearing anything from TD Bank, on XX/XX/2020 I again called the #. I was told that the investigator is not going to reopen the case. I talked with a supervisor and told the supervisor to have the investigator reopen the case. The supervisor stated she would do that. I again called on XX/XX/2020 to find out the progress and was told that it will take longer due to the current slowdown.
After not hearing anything for almost a month I called again on XX/XX/2020 to find out the progress.
I was told that the dispute is not going to be re-opened. I requested to get a call from a supervisor. This dragged on too long.
The TD Bank Consumer Care USFM Fraud Agent III appears to do nothing but send requests back to individuals who continue to refuse to apply care towards their customers. There has been nothing but avoidance delays, refusals and excuses that the Covid crisis has created a shortage of individuals who can see to it that fraud is taken care of as it should be.
I have since contacted the Ombudsman of TD Bank.
TD did not carry out their actions in a strong enough effort to contact me and do what they should to remove these fraudulent charges from my account. These charges and any accrued interest due to these charges should be removed from my credit card account.
TD Case # XXXX
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| 11/03/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
Older American |
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I am financial power of attorney for my mentally XXXX, XXXX XXXX XXXX XXXX named in this complaint. I am submitting this complaint on her behalf. She is dependent on a subsidized housing program where she lives on disposable income of $ XXXX a month after she pays her portion of rent from her $ 900 monthly social security income .
3 years ago she had a XXXX credit score and could not obtain housing when applying at new facilities - that's when I took over and fixed her credit and began managing her accounts- Keeping a good credit score ensures that she is not homeless if and when she is forced to apply for another housing complex.
After fixing my sister 's credit, she had a XXXX credit score at the time that she visited a Nordstrom XXXX XXXX in XXXX oXXXX XXXX
My sister was keenly aware that she was not to open any credit cards after I fixed her credit and was - and has been - very diligent about trying to keep that promise.
On XX/XX/2021, she was checking out of the XXXX XXXX Nordstrom in XXXX, WA, when the sales clerk offered her a discount on her purchase if she applied for a Nordstrom Credit Card. The other relative there as a witness stated that XXXX declined. The salesperson would not take no for an answer, XXXX declined a second time, and then on the third attempt, she finally relented, feeling pressured and unable to decline if she wanted to purchase the items.
Not only did this salesperson badger a mentally XXXX senior citizen to obtain a credit card she repeatedly stated that she didn't want, the credit card came with a 28 % interest rate!!!! While my sister had a XXXX credit score ( certainly worthy of a better interest rate than 28 % ) she had virtually NO INCOME!!! Yet they approved her for a {$2000.00} limit!!!
My sister is aware that she is financially incapable of making good financial decisions which is why she was so diligent about declining credit card offers prior to the Nordstrom incident. I only recently became aware of this account and how hard it has been for my sister to maintain this account.
I am now aware than a payment has not been made in over 120 days ; my sisters previously perfect credit is now in the XXXX range, which means if she were to have to apply for a new housing situation at this time, she would not qualify which would leave her homeless!
I am absolutely completely appalled at Nordstrom 's predatory lending practices! They absolutely took advantage of a mentally XXXX senior senior citizen with NO financial resources! In speaking with the representative over the phone today, she said this was a major problem and that there have been a lot of complaints made about hard pressure sales persons forcing customers to obtain credit cards.
I want the balance on this credit card FORGIVEN! They illegally and knowingly harmed my vulnerable sister so that they could obtain unreasonable financial gain at 28 % interest from someone who had no ability to ever pay off that balance! Although she made a good effort at trying to maintain the minimum payments all these months, these recent late payments have greatly impacted her credit!
My sister has been irreparably harmed by their actions, waiving interest on the account is not good enough, they are still reaping the benefits of their ill-gotten, predatory efforts. Nothing will change with this company if they are allowed to make a measly token of remediation, ( waiving interest is their current offer of remedying the situation ). When my sister declined on more than one occasion, the Nordstrom representative should have taken her at her word, instead she relentlessly and repeatedly forced the issue, just as they are continuing to do it to other innocent consumers. Furthermore, with virtually no income, there's no way my sister should have been approved for {$2000.00} limit!
Nordstrom needs to take responsibility for their wrong doing and forgive this balance and correct any credit deficiencies this account has caused.
|
| 03/01/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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Hi, this is part of a larger issue ... and my complaint is more about connecting to someone who can actually take some time to help and stop what seems to be happening and return control of my accounts back to me more than being a complaint : The issue : My accounts seem compromised in some type of way and it's been about 11 months now. The issue is communication, as I am on XXXX, I have a mobility issue... embedder with the fact that there is no reception at my domicile as well as no USPS mail service. How this affects me with the bank ... I can not log into my account, when it asks for a secure password, it can be sometimes WEEKS before I would be in a place that would allow me to receive it because your system is not XXXX. Additionally this bank uses a company called XXXX XXXX XXXX which seems to have someone elses ( my amatuer theory is this is some other customers information ) reports, as often data presented to me does not and has not appeared on any of the three credit reports of mine ... leaving me to either guess what the answer could be for someone else or answer everything as 'none are the right answer ' and most cases this will lock me out of the account, rendering virtual and mobile assistance and issue. WIth the bank being out of reach of me... I have gone to many lengths to try and resolve an issue with someone accessing my card information and using funds in my account for various things. ( again, because there is no help from the bank on what is the cause of this, I just have armature theories ). I have made MULTIPLE requests for tech dept 's help as well as a request for someone as a XXXX accommodation rep for the bank to contact me... I have not to date received response from these requests, and I have since been told that there is no way to track who reviews them or if they will respond. With the disputes active on my accounts, I have been told 10 days I will receive information, but many months later ... I am still not in receipt of any information. I still do not even have debit cards to two of my four accounts ... all of my calls I identify the issue with usps, and that all correspondence has to come by phone OR through XXXX XXXX again, no calls and no paper correspondence. Allegedly there is no way to follow up to see how these information promises are being delivered or where they are going... maybe they are going somewhere other than to me and this is creating the issue... again, I have no idea because there is no in-real-time contact with a live person who can both talk to me about the problem AND look at the account. Often I will get someone who might listen, but because they can not verify who I am, I have been told there are simply just generic notes on my account that says 'customer called but was unable to verify, redirected to a branch '. You have almost XXXX between my accounts, and I have not been in direct control of my accounts in several months at this point. Mobile, does not work, phone there is an issue, I can not go to a branch. I have been told 'you need to resolve these things with a branch manager ' and when I stress how I do not always have time on my side for that immediately, I am told 'that is your choice ' ( which starts a whole separate conversation about having 'free will " while also navigating a new XXXX ). Honestly SSI has been a more friendly and accommodating system in relation to the bank ... and they are the government and terrible, but they do seem to be mindful of XXXX rights. I have asked the bank for help from a designated person who handles XXXX with their customer and from the response received, I am assuming they may not actually have one. So this might seem like not a lot, but these are more bullet points to the timelines and titles to issues that can be bracketted down to further smaller things I have done, attempted, and documented in the almost 11 months that this has been felt as fully out of my control. I need help from someone in the bank.
|
| 03/24/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
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Web |
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To Whom It May Concern : On XX/XX/2020, I opened a checking account with a promotion bonus of {$300.00} advertised online. The promotion was available only online for opening a new beyond checking account. It requires {$2500.00} or more of direct deposit within 60 days. Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 140 days from account opening. Also, this special checking account requires a minimum {$2500.00} balance to avoid monthly fees.
On XX/XX/2020, I went to the local branch, XXXX XXXX, CT office and confirmed with a banker that my new account with promotion was effective. The bank welcomed me and said that yes you were all set and would receive the bonus after meeting the requirements. All the requirements were met on XX/XX/2020. It has been a few weeks more than 140 days and I am still not receiving the {$300.00} bonus. I called customer service numerous times. Before 140 days were passed, the representative on the phone said that I would receive the bonus. I just need to keep the account open and wait. Then, after 140 days, they said that they were not sure why I was not receiving the bonus and they needed to email the promotion department. I went to the local branch, XXXX XXXX, CT, and spoke with the banker, Ms. XXXX XXXX. She told me that she would contact the promotion department for the status. No one was able to provide a reason why I was not receiving the bonus, but they wanted me to wait for longer keeping the bank account open with more than {$2500.00} minimum required balance. And no one at TD bank knows how long I have to wait to receive the bonus or to receive a response from The Promotion Department.
Below is the details of the promotion offer : Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months, open their account online via this web page and complete the required qualifying criteria. {$300.00} bonus offer available to eligible new personal checking Customers when opening a XXXX XXXX XXXX account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening. {$150.00} bonus available to eligible new personal checking Customers when opening a XXXX XXXX XXXX account with cumulative direct deposit funds of {$500.00} or more into the new account within 60 days of account opening. Qualifying direct deposits are recurring electronic deposits of your paycheck, pension or government benefits ( such as Social Security ) from your Employer or the Government. Person-to-Person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 140 days from account opening. Account must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus. If the checking account is closed by the Customer or TD Bank within 6 months after account opening, TD Bank does reserve the right to deduct the bonus amount from that account at closing. TD Bank may issue you an IRS Form XXXX, or other appropriate forms, reporting the value of the bonus. Offer may be withdrawn at any time and is subject to change. One bonus per account per Customer and can not be combined with any other offer. TD Bank employees and XXXX cross-border banking Customers are not eligible.
Monthly maintenance fee can be waived with one of the following : {$5000.00} or more in direct deposits within a statement cycle or {$2500.00} minimum daily balance is maintained or {$25000.00} minimum daily combined balance of all deposit accounts, all outstanding home equity loan and home equity line of credit accounts, and/or mortgages in good standing ( excludes credit cards and personal loans ) t
|
| 04/13/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
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Web |
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I filed 2 Complaints which have not been resolved : 1st Complaint - XXXX 2nd Complaint - XXXX Continued from past 2 complaints : The issue at hand is the difference between calculations and cause of the timely periods of which a lot of costs were added in. The loan matured and collection efforts started but the collection department, loan department, loss mitigation department couldnt figure out why I was in collections. There is penalties, interest and expenses in their figures that could have been avoided if they could have figured it out at conception of this debacle ( As I call it ). Payments never stopped even to this month with random placement of those payments ; as quoted to my by TD 's work out department " We can place it anyway we want ''. The interest added on is at a rate 2 times what the last rate was prior to loan maturity. Again, my inquires with TD kept getting shuffled around, attempted phone calls to the XXXX XXXX XXXX who serviced the loan were taken with promises of call backs only to find out he left the bank a year earlier. Only when I filed the initial complaint did TD finally figure out what was going on which also took 3-4 months. The situation is currently not resolved. TD has filed their 2nd attempt at foreclosure which will be contested again and hopefully thrown out. TD apparently filed for Judgment based on their proposed amount which we will now be filing to have removed. Since that judgment which was the cause of a withdrawl and freeze on my account last year ( Which is what spurred the initial complaint ), TD admitted do to the communication lacking within the departments and difficulty figuring out where the deficiency was, they lifted the freeze and returned the money to the account as part of their resolution from the 1st CFPB complaint.
THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS TD promised to CFPB was to work out the issue. TD proposed a settlement with increased interest, penalties, added legal fees and other erroneous fees. I had offered to add another congruent property to the portfolio ( 100 % Owned ) which was owned by another entity if the rewrite could be placed in that entity name with me signing personally. Additionally I did not ask for any additional cash back, just pure equity as a collateral giving them a 25 % LTV position. Part of TD 's proposed resolution was that the property had to be added in as collateral anyway and they would not change the name or they would refuse to rewrite. A strong arm tactic not acceptable to me. Needless to say there are many faults. TD 's current stance is they have a monetary judgment which will be contested and is in question to be heard by the courts since it was placed during the time that TD even knew why collection efforts were being attempted. I completed an evaluation based on Principal Owed, Escrows paid by TD and Interest as it was prior to the lost maturity date. I offered a 30 day time for my refinance with protection for TD should delays occur due to Covid or other non-controlling by either side. Settlement offer is : Payment in XX/XX/2021 does not show on your spread sheet but has already shown cleared on my account, Terms : Satisfied Pay off total to TD Bank - {$370000.00} No additional Payment will be made from XX/XX/2021 from last cleared payment on my account. 30 days from agreement to procure financing to satisfy 1st and 2nd loans/liens on this property If finance is delayed due to appraisals, COVID or other beyond our control payments will commence immediately by the 1st of the month of XX/XX/2021 for {$4100.00} to be applied toward Interest only to TD Bank and Taxes will be paid by me for a maximum of no more than 60 days. If I can not procure finance for any reason within 60 days, the property will be immediately listed for sale based on appraised value while continuing to pay {$4100.00} in interest only payments and taxes, keeping the payoff at {$370000.00}.
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| 10/11/2017 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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In XXXX of XXXX I received a letter on a account that I had with TD Banks on a debt owed. On XXXX XXXX, XXXX I sent a letter to XXXX XXXX from XXXX XXXX XXXX stating that I had a dispute in the amount of money owed with this case and to see if a payment arrangement can be made. I also sent a copy of this letter to the XXXX County Clerks office for XXXX XXXX.
On XXXX XXXX, XXXX I had a hearing with XXXX XXXX XXXX clerk. In attendance was a contracted attorney for the law firm, myself and the clerk. At this time I stated on the record that I accepted the debt and wanted to set up payment arrangements. After the hearing, the contracted attorney gave me the phone number to get in contact with someone at the XXXX XXXX office.
On Tuesday XXXX XXXX, XXXX I contacted the phone number at XXXX XXXX. My call was routed to XXXX XXXX because she was assigned to my case. I left a message for XXXX to contact me. I waited a week then I called XXXX XXXX again and left her another message for her to give me a call. No call was ever returned. So at this time on XXXX XXXX, XXXX I decided to start voice record myself contacting the XXXX XXXX XXXX and asking for XXXX XXXX and asking her to please return my call so that arraignments can be made regarding my case. I would contact XXXX XXXX leave a message and wait for a week to see if she will return my call and them do the same thing all over again. Since I was n't getting a response from XXXX XXXX I decided to write a letter to her on XXXX XXXX, XXXX letting her know I had been leaving voice mail messages for her to contact me back on if payment arrangements can be set up. At this time I sent the letter certified with signature required and return to sender. XXXX received my certified letter on XXXX XXXX, XXXX and someone from the firm signed that it was received. On XXXX XXXX, XXXX I received a letter from XXXX County Clerks Office that a judgment had been made on XXXX XXXX against me due to not filing a response. This is bold face lie on me but also to the County Clerk who signed off on this. So on XXXX XXXX, XXXX I gave an attorney XXXX XXXX my information to see why did XXXX XXXX has lied and if it was legal. On my behalf XXXX XXXX contacted XXXX XXXX and left her a message that she was calling her regarding my case and how she lied to the court. It took 2 weeks but XXXX XXXX finally contacted XXXX XXXX back. The conversation entailed that yes an agreement can be made. I can either pay 75 % of the bill upfront or make {$50.00} payments monthly. I took the {$50.00} a month payment. XXXX XXXX contacted XXXX XXXX again and once again it took her about 2 week to respond back but told her that I wanted the $ 50 monthly payments, At this XXXX XXXX stated that she would contact me to set up monthly payments. She never called. Finally Attorney XXXX told me to contact her. On XXXX XXXX, XXXX I contacted XXXX XXXX to set up payment arrangements. At this time I recorded and spoke to XXXX XXXX 's and told her what Attorney XXXX said about the payment arrangements that was discussed with XXXX XXXX. XXXX XXXX would not let me set up payment arrangements because I stated I had an attorney. There were n't any notes with my account stating that XXXX XXXX ever spoke to Attorney XXXX in the 2 times they spoke in XXXX. So not only has XXXX XXXX has lied to the court she has now lied on a well respected Attorney meanwhile interest has now started to be added of over {$150.00} due to XXXX XXXX XXXX and XXXX XXXX scamming to get more money. XXXX XXXX told me that in order for XXXX XXXX to speak with me, I need to have Attorney XXXX to contact XXXX XXXX back and say I am allowed to speak to XXXX XXXX on my own. Attorney XXXX has contacted XXXX XXXX numerous times which have been documented and XXXX XXXX has not returned any of them. So since I cant contact XXXX XXXX XXXX on my own and Attorney XXXX cant get in contact with XXXX XXXX interest keeps going up making my bill higher.
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| 11/10/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XXXX/XXXX/XXXX I got a call from TD Bank informing me that they observed questionable ATM/ Debit transactions that were conducted using my debit card and that these transactions might be fraudulent. I assured the representative that I did not make those transactions, that I had my debit card on my person and that I in no way, had knowledge, consented, authorized the use of or given my debit card or pin to anyone.Neither have I received any proceeds or benefited in any way from these transactions and that indeed I was a victim of fraud. He told me that they would be investigating the matter.
I immediately went to TD Bank branch located at XXXX XXXX XXXX, XXXX XXXX NY XXXX where I spoke with a customer service representative and explained the situation. I closed out the old debit card and received a new one that same day. I also filed a claim for the transactions that were done on XXXX/XXXX/XXXX, which were in the amounts of XXXX and XXXX. There were two other transactions that were conducted on XXXX/XXXX/XXXX in the amounts of XXXX and {XXXX} that I wanted to file a claim for which the representative told me that would have to wait until the transactions cleared because they were still pending. I went back to the bank the following day and filed a claim for those transaction which had now cleared.
The customer representative filled out the Reg-E Claim paperwork, gave me a copy and told me that an investigation into the matter would be done and that I should be hearing from the bank within 10 business days.When 10 business days had passed and I did hear from the bank, I went back to the branch mentioned above to find out what was happening. In my meeting with the customer service representative she informed me that there was a notation on my paperwork that my claim was denied and that I needed to speak directly with the branch manager XXXX XXXX concerning the matter. He was not in at that time. On XXXX/XXXX/XXXX I met with the branch manger who informed me that they had denied my claim and sighted 4-5 reasons why I was denied.
I became very angry because I felt that I was being victimized the second time. firstly, by thieves who hacked my account and secondly by TD Bank who should be protecting and looking out for ultimate good of their customers, of whom I was. I reiterated my position that I was a victim in this matter and that I would not settle for the decision that the bank had made of not honoring my claim. He then said he would refile the claim and that I would be hearing from him within 10 business days. He also told me to file a police report, which I did at the XXXX precinct in the XXXX on XXXX/XXXX/XXXX. I followed-up at the XXXX precinct by requesting a copy of the police report, which I was told by 2 detectives from the fraud department that they could not issue me a copy of the police report, but that they would be investigating the matter and that they would be contacting me within the next few days. I have made several inquiries since then and have not received a response from the police. I have since received letters from TD Bank stating the reasons they have denied my claim. In the mean time they have debited my account in the amount of XXXX which includes overdraft and banking fees of which I am not responsible for.
I am hereby filing this complaint against TD Bank and vehemently protest the treatment I have received as a customer. I am dissatisfied and totally disagree with their questionable and inconclusive investigation process. I have not seen any pictures, videos or surveillance. I have received no information on the merchant, location and who conducted these fraudulent transactions using my information. If I was held up at XXXX point and robbed, I would not feel as badly as I feel at this present moment. I felt like I was violated by TD Bank and I plan to pursue this matter to the fullest extent until I am credited all the funds that they have taken from me.
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| 05/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Subject : Target Credit Card Info. and Violative Reporting and Re-Aging of Alleged Debt.
As a regulatory compliance professional, I take the position that the credit reporting data provided on my credit reports by Target ( credit card ) is in violation of federal fair credit reporting rules / Regulation V.
As the CFPB staff ( the experts ) are well aware, the credit reporting agencies and those reporting to them have a duty to record consumers ' account data accurately and completely. If even the smallest detail is incorrect or if the creditor-collector can not verify a piece of data, they must delete the information. Based on the following events, I believe Target has not acted in good faith, has engaged in fraudulent credit reporting, and has damaged my current credit status. Therefore, I respectfully request that Target be held accountable and that all Target data be removed from my credit history, across all of the credit reporting agencies.
The Target data on an alleged credit card debt in my name is reporting differently across the 3 major credit agencies and worse - on XX/XX/XXXX, I received a credit alert that Target RE-AGED the debt on XXXX and changed the account closed date from XX/XX/XXXX to XX/XX/XXXX!! In addition, in XX/XX/XXXX, I noticed Target reported to XXXX that I made a {$200.00} payment on the alleged, nearly 7 year old debt. THIS IS FABRICATED.
1 ) On XX/XX/XXXX, after disputing the accuracy of information for an account allegedly closed in XX/XX/XXXX, Target changed the account closed date to XX/XX/XXXX. This blatant attempt to re-age the alleged debt caused credit alert reports to generate which alerted me to Target 's fraudulent reporting via XXXX.
2 ) I had originally disputed Target information in XX/XX/XXXX after seeing that Target had posted a bogus {$200.00} payment made on this alleged debt via XXXX. This was a surprising piece of data to appear on my credit report. This information was new and was fabricated since I did not send Target this payment. Perhaps this fraudulent data was posted to the account prior to the firm re-aging the debt? Quite possibly.
3 ) In XX/XX/XXXX, I had requested data for this alleged debt after reading more about Target 's data breaches and became concerned when I noticed that across the 3 credit reporting agencies, Target reports different last pay dates, reported dates and closed dates for this account, in addition to different data as to who to contact for information on the account. Specifically : XXXX : Shows a last pay date of XX/XX/XXXX and reported date of XX/XX/XXXX. The contact info is XXXX. XXXX XXXX in XXXX., MN and no phone number if available.
XXXX : In XX/XX/XXXX, the Target data reflected a XX/XX/XXXX and a closed date of XX/XX/XXXX. However, in XX/XX/XXXX, they reported a last pay date of XX/XX/XXXX. Target just recently reported a bogus {$200.00} payment. This is not true whatsoever and I promptly filed a dispute. I can't even get Target to verify the debt and the charges-balance data on this alleged account, much less would I make a payment to Target.
XXXX : In XX/XX/XXXX, Target data reflected a last pay of XX/XX/XXXX and a close date of XX/XX/XXXX. However, on XX/XX/XXXX, after disputing the {$200.00} payment and noting that Target has not responded to a debt verification request from XX/XX/XXXX, they changed the reported closed date to XX/XX/XXXX ... A full 4 1/2 years AFTER they originally reported the account closed. I filed an immediate complaint with XXXX on the XX/XX/XXXX, after receiving an credit monitoring alert via email.
I wish to thank the CFPB for the excellent work the department does in their efforts to protect consumers from unsavory reporting processes by credit companies and the seemingly lack of oversight by the reporting agencies. Feel free to contact for any additional information and/or copies of reports associated with this matter. Kindest regards.
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| 04/25/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American, Servicemember |
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The issue is this : My husband purchased a house in XXXX, the current occupants will be buying this home when they are able. In the meantime they are paying us to cover the mortgage payment.
1. My husband opened a checking account in the same bank as the individuals that will be buying the house, TD Bank. He also decided to have his retirement money sent ACH once a month to the account to keep it open per their bank rules.
2. The problem arose in the last two months with TD Bank, meaning I have the occupants of the house write me a check so I can pay the mortgage. Normally I deposit the check in my account which is in another bank. I decided since they were late with the payment to directly deposit the check into the same bank as it was written upon.
3. Unfortunately the check had to be rewritten four times, because one of the occupants went on a XXXX leave from his job and is getting his basic salary erratically. This was explained to me when I told them of the problem I was having with the checks coming back, stating insufficient funds and I am paying the fees. I told them I couldn't take another check unless I knew the money was in the account. They issued me another check whereas I knew the funds were available.
4. Since the reissuing of the same check several times, it came time to cover the current payment. The check was issued with funds being available in the occupants ' account since the TD Bank recording stated there was ACH deposit. Based on that information I deposited that check in my husbands account on XX/XX/XXXX in TD Bank.
5. On XX/XX/XXXX I tried logging in my husbands account to see what the balance was only to find I was not able to, it directed me to a customer service person. My husband gave permission for them to speak with me to explain what was going on. This is what I was told ; because of a negative balance I was not able to access the account, and once I paid the negative amount I would be able to access the account. Since I could not access the account, I asked what had happened and to give me a break down of what the amount is and for what.. The customer service person told me the negative balance was {$350.00}, I proceeded to ask for a more detailed break down so I knew what I was dealing with. I was told that the account was charged {$35.00} for insufficient funds and {$15.00} for a returned check plus several other items that she did not give me. My understanding is ; when a check is issued to you the presumption is that it is your money to spend how you wish, especially when I heard from the TD Bank recording that the funds were ACH deposited. into the account that the money was drawn upon. I asked the customer service to give me an explanation since I knew the money was in the account and what in the world happened. I told her why were we being punished and charged twice for the same situation. that we did not create.. I asked how does this get resolved since I can not get into the account, and she explained that I needed to pay the negative balance first. I went into the bank today with a new check which I knew the money was in that account and asked them to deposit it into my husbands account as cash. I was told they couldn't do it because the computer would not allow it. I asked them to cash out the check because it was written in my name, which they did.
6. This sounds to me that TD Bank closed out my husbands account unfairly based on someone else actions and he is paying the price. Does not sound legal. We were wronged in this matter by TD Bank and they should be held accountable. The correct manner is ; the negative amount to be paid by us, and we will close out the account, not TD Bank. Furthermore if they issue any derogatory remarks against my husbands name, we will take the necessary legal steps to correct this matter and we will put a monetary figure on the complaint issued against TD Bank for their unethical practice.
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| 06/19/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
Older American |
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Target ( via TD Bank credit ) Target store card There was a penalty charge incurred after I thought I paid off the account in full.
You had prior setup a deferment with the creditor due to Covid or a natural disaster and the creditor still marked you late.
I incurred a penalty charge/fee requesting the company to review the practice of assessing the late status and assigning a penalty due to my inability to attend to the charge account because of extended COViD and prior XXXX XXXX illness.
I reviewed my account when I was recuperated physically and saw the account was penalized as late and assessed a penalty charge for late payment/late interest.
I reviewed the account in full and setup an interim deferred payment plan until I could reassess my financial status to repay that account, bring all accounts open in my possession, and resume a responsible payment pattern.
Once I did this assessment a few days later, I then made ample payment to cover all outstanding charges and also a large portion of the outstanding balance over and above the customary payment. However, when I contacted the company to kindly review the situation and provide a courtesy goodwill gesture toward the account, I was informed that it would go under review.
Quite some time ( more than a few weeks ) transpired without receiving additional account information. The company is notoriously tardy and lackadaisical about customer follow-up as is the comment on various credit and consumer educational and informational websites.
I subsequently followed up with the company and informed them that everything had been paid except the penalty charge which I was told would go under review and received no response. I also requested that a goodwill gesture be made toward the account as it was a low amount of outstanding balance in question ( the penalty charge only ) and I had ample resources to pay this account off among many, in the aftermath of the pandemic environment, hardships due to same, and personal illness considerations.
I then received a response that the late payment comment was validated and no reconsideration would be made with favor toward the account. My finances were in positive circumstances despite the pandemic disruptions and it was simply a matter of me attending to past tardy recordkeeping and once that was resolved, creditors were satisfied.
I subsequently closed the account due to lack of goodwill extended by the company, higher credit lines being available, and a problem with the online system that permits credit account holders requesting a deferred payment plan to close out the plan because of an antiquated manner by which items have to individually be canceled for the entire series of intended ( minimum ) payments over various months until the balance is paid. I paid off the balance and attempted to complete this task and was informed that it had to cycle through several statement cycles in order to be negated or it would further show inability to complete the promised deferred payment plan. This is the 21st century with various programming and other website resources available to make it convenient for credit account holders to do business online without having to be at the mercy of watiing long wait times on customer service lines only to be given incorrect information, informed of back-end issues with system payment plans and other similar inconvenient issues.
Therefore, in view of my having a closed account with Target and having sustained a XXXX late negative reflection on credit reporting bureau records as the only {$24.00} low value matter in several years with credit lines of over {$12000.00}, which is a totally avoidable mistake. I without the benefit of any consideration from the company for a mutual error, I have decided to escalate this matter with CFPB here for further presentation to the company for resolution. Thank you very much for your assistance.
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| 10/20/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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On or about XX/XX/2019, a payment I had made to my TD Cash Back Credit Card with account number ending in XXXX issued by TD Bank , N.A . ( the " TD Credit Card '' ) in the amount of {$7700.00} was posted on the TD Credit Card online statement.
On or about XX/XX/2019, a payment I had made to my TD Credit Card in the amount of {$3000.00} was posted online. This was made as a result of an recurring automatic payment I had previously set up with my TD Credit Card.
These two payments resulted in an credit balance on my TD Credit Card in the amount of {$3100.00}.
On or about XX/XX/2019, I called TD Credit Card Customer Service at their helpline XXXX ( " TD Customer Service '' ). I had noticed that I had a recurring automatic payment. I spoke to an agent at TD Customer Service and asked that TD stop the automatic payment. The agent advised me that since the payment was already being processed, it would be too late to cancel the payment. The agent advised me that TD would issue me a check to my mailing address on file with the credit balance of {$3100.00} ( the " Check '' ).
On or about XX/XX/2019, I called TD Customer Service. I asked about the status of the Check. An agent advised me that it was the bank 's policy to wait 5 to 10 business days for my payment to be processed before the Check would be issued and mailed.
On or about XX/XX/2019, I called about the same. An agent at TD Customer Service advised me of the same.
On or about XX/XX/2019, I called about the same. An agent at TD Customer Service advised me that the Check was issued and in the mail.
On or about XX/XX/2019, TD posted a " CREDIT BALANCE REFUND '' in the amount of {$3100.00} to my TD Credit Card, which I noticed when I accessed my online TD Credit Card statement through the online web portal.
On or about XX/XX/2019, I called TD Customer Service and inquired about the status of the Check. An agent at TD Customer Service advised me that the Check was in the mail and that I would receive it shortly.
On or about XX/XX/2019, I called about the same. An agent at TD Customer Service advised me that the Check should have already arrived. I informed the agent that the Check never arrived. The agent said that they would put a stop payment on the first Check and reissue a second check ( the " Second Check '' ) which they would again mail to the same mailing address that they had on file. I agreed to this.
On or about XX/XX/2019, I called about the same. An agent at TD Customer Service advised me that the Second Check was in the mail.
On or about XX/XX/2019, I called about the same. An agent at XXXX Customer Service advised me of the same. I expressed frustration that neither the first Check or the Second Check have ever arrived. The agent checked with her supervisor and advised me that the Second Check was in the mail and that it would arrive shortly. They informed me that the delay was due to re-issuing the Second Check.
On or about XX/XX/2019, I called about the same. An agent reviewed my file and transferred me to her supervisor. The supervisor advised me that there was a delay in issuing the check due to a delay in the back office. It was not clear whether the supervisor was referring to the first Check or the Second Check. I informed the supervisor that I was very frustrated that TD Bank has been promising me a check for two months now, without anything to show for it. I asked if the supervisor could call me when the check would be issued. The supervisor agreed to issue a callback to my phone number on file. The supervisor said it would take 2 to 3 business days for the back office to process the check.
I informed the agent that I would be filing a complaint with the Consumer Financial Protection Bureau. The supervisor indicated they understood me.
As of XX/XX/2019, I still have not received my credit balance of {$3100.00} after more than two months of many communications with TD Bank.
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| 01/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am writing to file a complaint against XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX , XXXX ( XXXX ) My wife and I have a 15 year mortgage with TD Bank since XX/XX/XXXX. For less complex mortgage payments and lower costs, we chose to purchase our property insurance independently without the use of an escrow account. Beginning in the fall of XX/XX/XXXX after the annual XX/XX/XXXX renewal of our insurance policy, there has been a growing pattern of harassment by TD Bank to not accept or lose the submissions of the proof of our insurance while threatening to force place escrow-based insurance on our property. Every fall, we and our insurance agency, XXXX XXXX XXXX XXXX, must submit the insurance policy multiple times while TD Bank continues to mail first and second warnings of no insurance coverage and threats to force place insurance.
This fall, the harassment was so blatant that I could only suspect that there were other motivations at work. I initially thought nothing of it when the banks administrative address for the mortgage moved from XXXX, Maine to XXXX, Ohio. When my insurance agency demanded to have confirmation of reception from TD Bank on XX/XX/XXXX, the emailed confirmation came from a XXXX email address. When, on XX/XX/XXXX, I received an escrow analysis dated XX/XX/XXXX, a full six business days after proof of reception of our insurance, I began investigating what could be causing this.
This is when I now discovered a troubling relationship and is the basis of this complaint. XXXX XXXX , XXXX . has outsourced their mortgage administration to a company called XXXX XXXX XXXX XXXX , XXXX The outsourcing of this administration is not problematic. That this third party not only performs mortgage administration but also serves as an insurance company for escrow-based insurance is extremely problematic. This also appears to explain the growing pattern of harassment by TD Bank / XXXX to continually lose submitted proof of insurance by independently insured mortgagees. The recent move of the administrative address from XXXX, ME to XXXX, OH, the same city as XXXX indicates that XXXX now has full rein of the process with no supervision. If I were elderly or timid, the path of least resistance would be to submit to escrow-based insurance at more than three times the price. It appears that only after I began filing complaints with regulatory bodies and contacting my lawyer that the force placed insurance was vacated the following day.
I strongly feel that consumers are being hurt and taken advantage of by this egregious conflict of interest. In the fall of XX/XX/XXXX, I fully expect this harassment to recommence. This practice is becoming tiresome and is transparently corrupt. This conflict of interest needs to be investigated and stopped and those clients who have been coerced into more expensive escrow-based insurance placed by XXXX need to be compensated.
It was only through the confirmation email coming from a XXXX domain email address that I was able to discover the presence of this third party company that TD Banks clients are unaware of and the motivations for this behavior. During a phone call with my lawyer to XXXX XXXX XXXX XXXX , XXXX personnel, they only admitted to not be TD Bank personnel under duress and sounded quite uneasy with the admission. When further questioned about the insurance aspect of their company, they became even more uneasy and obviously wished to conclude the phone call quickly.
I include copies of information of my situation. I ask that you please investigate this relationship and put a stop to this practice.
Thank you for your help.
Former Administrative Address : XXXX XXXX , XXXX . XXXX XXXX XXXX XXXX, ME XXXX Current Administrative Address : TD Bank Its Successor and/or Assigns As Their Interests May Appear XXXX XXXX XXXX XXXX, OH XXXX Address of XXXX : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX
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| 11/06/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
Older American |
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Toronto Dominion Bank ( TDB ) had an impeccable loan client in my parents and, after their passing, their Trust.
The loan, a 10 year consumer loan with my parent 's house as collateral, originated on XXXX XXXX, XXXX. After my parent 's passing, the Trust ( I am the Trustee ) not only maintained the bank 's collateral property but also invested more than {$150000.00} into improvements. There was a history of continually higher rental leases and continual improvements to the property.
On XXXX XXXX, XXXX, with a 6 year perfect payment history, TDB arbitrarily nearly tripled the monthly payments. They rose from about $ XXXX to $ XXXX, a figure that was unsustainable for the Trust. There was no attempt to discuss the modification of terms with the estate, just a notification by mail. Requests for a local TDB representative with which to discuss the change in terms were ignored. A TDB contact was provided by mail in a letter dated XXXX XXXX, XXXX, six months after the tripled payment notice. Please note that nothing in the original loan documents allows TDB to change the loan terms due to the passing of the loan holders.
Nonetheless, the Trust paid the tripled payments for 5 months, through XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. The Trust notified TDB in writing several times, in letters that were acknowledged, that it was listing the property for sale so the loan could be paid off and would continue the original loan payments ( of $ XXXX. ) in the meantime.
TDB continued to accept these original, interest only payments for six months, though the Trust began to receive legal notices, stating that the account was in default and in danger of foreclosure along with increasingly higher fees and interest being accessed to the account.
To be clear, the default was a default on the tripled payments. The Trust was committed to continuing the original monthly payments until sale of the house and pay off the loan.
On XXXX XXXX, XXXX, much to the surprise of the Trust, and against their own self interest, TDB changed all the locks on the house at a time when the house was being shown to prospective purchasers. It posted a notice on the front door to inform buyers and agents that the house was no longer for sale or rent.
The Trust was also prevented from making monthly payments on the loan at this time. The account had been transferred to the default/loss mitigation department and payments were not accepted.
TDB 's action kept the house sealed up and inaccessible for one week until the Trust could get a key to get back into the house. The house had been " Winterized '', including turning off the electricity, all the high end hardware on the exterior doors was destroyed and replaced with cheap and mismatched knobs. The sign on the front door that said " This house is neither for sale nor rent. '' remained for a week, looking to potential buyers like the house had been put into foreclosure.
I put the house back on the market and listed it for sale " as is ''.
It was only through the Herculean efforts of the Trust and the real estate agent that the house went under contract and closed on XXXX XXXX, XXXX. The purchase price, after TDB 's unwarranted seizure of the house, was {$15000.00} than a previous sales contract that had fallen through due to the buyer 's financing problems. The loan to TDB was paid in full at closing, including the questionable bank fees and interest charges.
I have retained a local attorney since XXXX XXXX. He has a written agreement from TDB, dated XXXX XXXX, XXXX, for {$3700.00} in " hard cost '' ( destroyed hardware, etc. ) plus his attorney fees of {$3500.00}. This has not been paid by TDB as we are also asking for {$60000.00} in intangible damages for the forced sale of the house and the lower purchase price. After 18 months and no resolution from TDB, I am now requesting your assistance. I have complete back up documentation of the above.
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| 07/10/2015 |
Yes |
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Web |
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Here 's the short version ( the detailed version is in a letter I will attach ). In XX/XX/XXXX I was talked into taking out a " Redcard '' credit card at a Target store. I was told that the credit card would entitle me to a small discount on my purchases and also a free XXXX coffee that day. After filling out an application in the store that day, I was given a paper receipt good for a short time as a temporary card and told that they would mail a credit card to my home address ( which is a house my husband and I own, that I have lived at for many years ). I used the card that day to buy items. I never received the card and also never received a billing statement which I expected to appear around XX/XX/XXXX given the timing of my purchase. When I had not received the billing statement by XX/XX/XXXX I called Target. I had a very hard time making contact by phone with their card representative ( the card website and chat were down or people told me they could not help me ). When I reached a live person I discovered that I not only owed the cost of the purchases but had been hit with an additional XXXX dollar late fee for not paying the bill, which I had also never received. That day in XX/XX/XXXX, I paid the entire bill and closed the account since I had never gotten the card or the billing statement and was afraid that I might be hit with more charges. The customer service person who closed my account tried to talk me into keeping it open saying they " might '' be able to waive the XXXX dollar late fee but since it was n't a sure thing and I had no idea where my card or bills had gone I did not feel safe keeping it open. After I closed the account, I learned that the company is required by law to send you a bill within a certain time and if you do n't get it then you are within your rights to complain, so I sent them a long and detailed complaint asking that they ( a ) refund the XXXX dollar late fee, ( b ) refund any interest they charged on the purchase beyond the XXXX billing cycle ( as I normally pay off the bill when I get it and never even had a chance to do that - I could not even use the temporary piece of paper to open an online account to check balance, I never knew my card number because it never came ) and ( c ) remove any harm to my credit report from this situation. I am NOT disputing the amount for the items I bought in XX/XX/XXXX, I 'm happy to pay for those, but I 'm angry that they did not send me either the card ( which after a certain number of days, meant I could n't get the discount I was promised shopping at Target as I needed card in hand for that and they could n't just look up the number ) or a bill until interest AND a late fee had already racked up. I received a response from Target to my complaint basically blowing me off and saying " we sent it to your address on record so we 're not waiving anything ''. So in a nutshell, I never got the discount I was promised, never got my card, and was charged a late fee and interest on top of my purchase price because their card and bills never reached me. I have no idea why it would not have reached me, except that there are XXXX streets with same name as mine ( XXXX XXXX. ) in XXXX area and occasionally our mail has been misdirected to XXXX of the other streets or we have gotten mail for XXXX of the other residents. I really feel ripped off because other than a free XXXX coffee I got NO benefit from this Target card and it seems like it was just a scheme to never send me the card for the discount and then rip me off. I hope you can help me. I am going to attach the letter I wrote Target about the situation. Although this is n't directly related to the complaint, I 'm especially upset because in XX/XX/XXXX and XX/XX/XXXX my mother has been seriously ill and nearly died in XX/XX/XXXX and I do n't appreciate having to hassle with a credit card company over something as simple as this right now.
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| 08/12/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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I recently received {$100.00}, in unfair overdraft fees from TD Bank due to the fact that when I went to make a deposit at the XXXX XXXX, NY, TD Bank branch, that location 's ATM 's were both not working at all and because of my very painful left knee and right elbow, I just could n't walk or take public transportation to another branch ( please refer to the attached XXXX XXXX, NY, TD Bank ATM related pictures and medical documentation ). Also, to this date the all of the written information relating to the new overdraft related changes implemented by TD Bank, still have n't been delivered to me by email, USPS or any other type of mail delivery service. TD Bank has failed greatly to send me all of the new written information on TD Bank 's overdraft related changes and because of the lack of full knowledge regarding those same overdraft related changes, I continue to received unfair, non-merited, abusive overdraft & monthly account maintainance fees on my checking account. TD Bank has unfairly charged my checking account a grand total of {$480.00} to date, while at the same time they still have n't provided me with anything detailing or explaining 100 %, of all of their unexpected or unannounced overdraft related changes that TD Bank has so unfairly implemented on their XXXX and low income American customers. I do n't care if TD Bank explains to or sends me XXXX % or XXXX % or XXXX % or XXXX and a half %, of the facts/terms and conditions associated with the overdraft related changes because it was and still is my right as an American consumer, first and a TD Bank customer, second, to have all of TD Bank 's new overdraft related changes and associated facts explained to me 100 %, before they took full affect. What I ca n't fully understand or comprehend is that anytime, in the past, whenever I had an overdraft fee related problem or issue with TD Bank, their managers, supervisors or representatives from the President 's Executive Office to customer service, would always and endlessly quickly state the following to me ( this could be heard on every recorded conversation I ever had with anyone at TD Bank, TD Bank always and endlessly records all customer service related phone calls ), " Those were the overdraft fee terms and conditions you agreed to when you signed your agreement with us, at TD Bank. '' So now what, TD Bank no longer believes in that statement???? How can TD Bank endlessly use that same statement as part of their defense against my past overdraft related disputed fees and now, still charged me a total of {$480.00} in overdraft ( XXXX ) and monthly maintenance ( XXXX ) fees, when I have n't been sent or given 100 %, of all of the new information regarding all of TD Bank 's new overdraft fee related changes????? TD Bank 's own written, scripted and above referenced double standard overdraft fee related statement is totally an unprofessional, unfair, unacceptable and a conniving illegal business practice to criminally ripping off the XXXX and low income people of the United States!!!! In the past, before any new changes were made and implemented by TD Bank, when I had 100 %, knowledge of TD Bank 's old overdraft fees terms and conditions, TD Bank always used their above referenced overdraft fee related statement as a defense tactic whenever I disputed any unfair and conniving bank error related overdraft fees, that were charged to my checking account and now TD Bank is totally ignoring their own written, scripted and above referenced overdraft fee related statement and are now still charging me overdraft fees with them well knowing that I have n't received or been sent 100 %, of all of TD Bank 's new information regarding all new changes with TD Bank 's new overdraft fees terms and conditions. I 'm so glad that XXXX different XXXX XXXX Law Firm have and XXXX XXXX XXXX might, join forces as XXXX to file a class action against TD Bank, for same.
|
| 05/20/2015 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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XX/XX/XXXX/ XX/XX/XXXX- I incurred overdraft fees on my account. The bank would return a payment due to insufficent funds on one day/ charge a fee and then the next day approve the payment and charge an additional overdraft fee. This continued for serveral months. This caused large financial issue with my checking account. To the tune of having been assessed from XX/XX/XXXX to present a total of {$2500.00} in overdraft fees all to which have been paid. I have direct deposit and with each deposit the bank is paid for the fees in advance. In XX/XX/XXXX I was billed a total of {$770.00} in overdraft fees, XXXX {$210.00}, XX/XX/XXXX over {$200.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$140.00}, XX/XX/XXXX {$480.00}. I have attempted serveral times to speak with the bank about the fee assessment and have someone from the branch contact me. I was advised that someone would contact, I would get a telephoen call, would return the call and leave a message on their machine and receive no call back. The merchant in the past has done several things that indicate questionable business practices. For example during all of the fee assessments, there was an attempt for a merchant : XXXX, they were trying to collect on a late return of movies or no return. This merchant does get preauthorization with the initial rental. So when the movie is returned late or not at all they will go back into the credit card account used to rent to collect payment. I have recorded proof of a balance that was owed that the merchant attempted to withdraw {$60.00} ( approx ) with all of the fees I did not have enough. Ultimately, I only had {$11.00} ( approx ) in my checking account. The merchant miracously authorized the exact dollar amount. Then on the date of my deposit they come back into my account for the difference. I never contacted the merchant regarding the with draw or the authorization of a specific amount to resolve a balance. I was not aware that I had one with them assuming my children returned all the movies. The way it is discovered is that my account is impacted. The bank is double dipping and in the month of XX/XX/XXXX I suspect they were attempting to meet an end of the year quota, impact as may patrons during the XXXX Friday purchase/etc. I have been within the bank and heard that discussion. Also, I have had an incident where my account was compromised/debit card. Off of XXXX attempt with my card for a transaction out of the country they blocked my card. I was told I had to get a different checking account number. I proceeded via telephone and then went to the nearest branch facility and collected a new card. The branch of complaint. I am told at that time that I did not need to change my account but there was nothing they could do now that has been done. The account I was to have was to be identical to the existing account. Which was a grandfathered XXXX account which had no monthly fees regardless the balance. However that has not taken place, I get charged a monthly fee and they can not correct that either. So now along with the excessive fees they have imposed to my account I also now have monthly fees. This fees abuse has put me in financial straights. I stand to loose my residence, car because each month I am robbing XXXX to pay XXXX and the fees just keep coming as I try to get this under control. When I speak with them they advise they can not review my account back from XX/XX/XXXX/ XX/XX/XXXX and there is nothing they can do about it. I have asked for fee remibursement of atleast half of what I have been charged to which they will not remove anymore than {$100.00}. For XX/XX/XXXX I have been assessed atleast over {$2000.00}. That year before the same over {$2500.00} in fees. It is a continous cycle. They also do notification to parties banks that submit payment when to resubmit to ensure that the payment will authorize and they charge a XXXX fee. I need assistance.
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| 07/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
Older American |
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I applied for and was granted a six-year term loan from TD Auto Finance for buying a used XXXX XXXX XXXX XXXX XXXX from XXXX XXXXXXXX in XXXX, Maine on XX/XX/XXXX. At the time of the agreement, the auto dealership helped me set up automatic debits from my business checking account at XXXX XXXX Bank in XXXX, Maine through " XXXX XXXX XXXX ''. For the next nearly six years, the agreed upon amount of money was regularly deducted, without interruption ( NO missed payments ) from my account until the loan was paid off IN FULL on XX/XX/XXXX. As a result, I received a letter from TD Auto Finance congratulating me for paying off the entire loan, and the original State of Maine " Certificate of Title '', with acknowledgment that it was now a completely " lien-free '' title. Naturally, I was relieved to have paid off the loan completely, knowing I free from the financial burden of having to make payments and was now the sole legal owner of my truck.
I thought everything was fine until approximately a month later I found one day that my business bank account had been over-drafted and that I didn't have enough money to pay for a due credit card bill, which led to a late payment penalty fee. I also didn't have enough money in my account to renew the XXXX XXXX XXXX XXXX XXXX '' status for my XXXX business, which led to another late payment penalty fee. Wondering how the balance in my account could have dipped below {$0.00} without my knowledge, I began looking at my bank account statements. That's when I discovered that, in spite of my having fully paid off the loan to TD Auto Finance more than a month earlier, {$230.00} was continuing to be debited from my bank account every two weeks. I was extremely surprised and confused! I thought surely there must simply have been a technological or clerical error on the part of TD Auto Finance to continue receiving auto loan payments from me, knowing I no longer owed them any money. Consequently, I began what has ultimately turned out to be an extremely time-consuming and frustrating experience trying to stop money from wrongly being withdrawn from my account and also trying to receive reimbursement for all the unauthorized withdrawals. I've made numerous phone calls and have visited both the local branch of TD Bank and XXXX XXXX Bank in person several times each. I've had to proactively authorize a " Stop Payment '' order for " XXXX XXXX XXXX '' withdrawals from my account, an action which incurred a {$35.00} fee from my bank, and I've also had to proactively authorize " XXXX XXXX XXXX '' to stop withdrawing payments and close the account.
Although I have FINALLY received reimbursement for the altogether {$1200.00} that was taken from my account after the original loan was completely paid off, I have been unfairly harmed by how these wrong withdrawals have affected me financially. Not only have they led to costly late payment fees, overdraft fees, and a stop payment fee, but because I was left without enough money to pay what I owed to others on time, my credit score has been ultimately lowered as a result.
What I have been met with from TD Auto Finance is what I can only characterize as indifference, apathy, and a complete unwillingness to accept any responsibility for the financial harmed I've endured. I have spoken with numerous regular and senior level customer service agents at TD Auto Finance and none have offered any kind of restitution.
What's happened to me should never be allowed to happen to anyone. I paid TD Auto Finance always on time over the entire term of my loan until it was fully paid off, and this included over {$4000.00} in interest altogether. I think it's absolutely wrong that TD Auto Finance or any lending institution should be able to treat customers in this way and offer no compensation for the very clear and direct harm it has caused. Not only is it unethical, I think it should be illegal.
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| 08/09/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
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Web |
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I inquired about a personal loan online on or about XX/XX/XXXX. On XX/XX/XXXX I was contacted by XXXX XXXX at XXXX XXXX stating that I could receive a {$5000.00} unsecured loan at very favorable terms. After completing the initial application process, I was informed that due to my current credit score some things needed to be done in order for the lender to accept my application. My credit score needed to be raised and I was apprehensive but because I was in desperate need for the loan and continued with the process. On XX/XX/XXXX XXXX XXXX deposited {$990.00} into my account at TD Bank, they then required me to send {$920.00} via XXXX XXXX to a police officer XXXX XXXX in Georgia and the balance of the deposit was used to cover the fees for the transaction. I was informed later that day that XXXX XXXX was involved in an auto accident and will be unable to retrieve the XXXX XXXX funds. I was in New York for business on XX/XX/XXXX and left New York to travel to XXXX to visit my daughter. While in XXXX XXXX XXXX had me run around to find a XXXX XXXX to retrieve the funds that were delivered earlier that day. I know was told to purchase {$850.00} worth of XXXX XXXX cards. I did this and read the numbers to Mr. XXXX over the phone. Everything seemed to be going according to plan. I was then sent a letter from Mr. XXXX XXXX claiming to be a Federal Trade Commission Officer. The letter stated that additional funds were required to be deposited into my account and the process of returning the funds continued. On XX/XX/XXXX {$1800.00} were deposited into my account at TD Bank. Note that the funds were made available immediately despite the banks protocol for placing a mobile deposit from an out of state bank on at least a two ( 2 ) day hold. I purchased {$1900.00} worth of XXXX play cards and again read the numbers to Mr. XXXX over the phone early in the morning. I was again encouraged that as part of the process I would soon obtain the loan. On Saturday XX/XX/XXXX {$2800.00} was again deposited to my TD Bank account and again the funds were available immediately and I again purchased XXXX play cards to complete the transaction. On XX/XX/XXXX I was contacted by XXXX XXXX at the FTC claiming if I wanted the loan I was required to pay {$700.00} in order to cover Saturday cost and to cover the cost of the interstate transaction. I refused and said I would wait until Monday and pay no fees. On XX/XX/XXXX I was contacted by XXXX XXXX claiming to waive the fees that XXXX more deposit will be required. XX/XX/XXXX {$4200.00} was deposited into my account and again I was able to immediately withdraw the funds and purchase the XXXX play cards.
XXXX XXXX at XXXX XXXX called me at about XXXX EST on XX/XX/XXXX demanding I pay XXXX XXXX {$400.00} or he would pull the {$4200.00} deposit. He then boasted that he was a professional scam artist and the he got me along with spewing many vulgarities about me and my family. I immediately contacted TD Bank fraud to learn that the {$4200.00} deposit was rejected by the bank. The bank took a report and put the account on alert but claim that I am responsible for the {$4200.00} over draft currently in my account. The bank didnt not follow protocol by making the {$4200.00} immediately available for withdrawal without putting the funds on a mandatory hold. I must dispute this claim by TD bank as Im in no position to be responsible for this scam. Ive also contacted XXXX to attempt to trace the XXXX play cards as well as filing a complaint with the FTC. My lawyer has also been sent a copy of this report.
Im available to answer any further questions and hope that the police can assist this unfortunate event. Ive included bank statements and all correspondence with XXXX XXXX.
The contact at XXXX XXXX is XXXX XXXX XXXX XXXX XXXX Thank you in advance for your immediate attention regarding this matter.
XXXX XXXX XXXX XXXX @ XXXXXXXX XXXX
|
| 09/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Older American |
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Back on XXXX of 2020 I went to XXXX XXXX to purchase some furniture. Purchasing the furniture was no problem. I was able to order what I wanted and I was able to receive the product with no problem. The real issue was everything having to do with the financing and billing.
When I was purchasing my furniture, CO-VID was rampant and the shutdown was in full effect. XXXX XXXX told me that due to the Co-Vid pandemic, I would not get billed 90 days. They also told me I would get the information to the finance company in the bills I received. To me that was not a problem. I did as was told and I waited 90 days but nothing ever came in the mail. I never received a call from anyone as well. I called XXXX XXXX myself but they told me billing was slow due to the pandemic so I should wait a little bit longer.
I waited, and I waited, and I waited, and still nothing came. It wasn't until XX/XX/XXXX of 2020 when I called XXXX XXXX to give me the number to their finance company and I then spoke with TD Bank directly that I was notified I owed money. By that point however, they had already marked my credit report as 30, 60, and 90 days late. I paid them {$770.00} by check that day to pay whatever was owed at that point. TD Bank then told me my monthly payments were going to be {$280.00}. In that same phone call, I disputed the late payments because I was never billed and I can't be held responsible for their faulty billing practices. TD Bank said they would look into it and get back to me. By the way, it gets worse from here.
Once TD Bank finally decides to bill me, they bill me at the wrong address. I have the re-novate letter which is the credit card name TD Bank use, and I will provide it to you. That letter is addressed to XXXX XXXX XXXX XXXX XXXX which is not my address. When I finally receive that letter, I call TD Bank and complain about it to them. Not only are they not billing me, but when they send me ANY letter, its to a wrong address. TD Bank 's response was that was the address they were provided. I suppose that could be a possibility as I do not have any faith in XXXX XXXX either, but it is very hard to believe considering I have the original order and invoice from XXXX XXXX with all my proper information. Why would XXXX XXXX give them a wrong address? Furthermore, why would TD Bank place a wrong address in their system when the invoice and order clearly has my correct address on the documents?
I then waited and waited and waited some more for TD bank to complete their investigation. I received letters from them in XXXX, XXXX, and finally in XXXX. That final letter dated XX/XX/XXXX said their investigation was complete and they were reporting accurately so they weren't fixing anything. WOW!!! So they get to not bill me for 7 months +, then send a bill to a wrong address which they weren't provided with and shouldn't even have, then they say they are reporting accurately? With all due respect we all know that's a load of XXXX. There is a thing called the Fair Credit and Billings Act. One of the major points of that law is to specifically protect consumers when creditors mail bills to the wrong address. TD Bank did this. How can they say everything is accurate? Even if they want to get technical and say it is because payments weren't made in the month, it is also accurate to say they violated the F.C.B.A. That means I should and will sue them for it if they want to play this game of technicalities and accuracy. Furthermore, their willful negligence with their billing practices has caused me harm on my credit report and is a violation of the F.C.R.A. as well. I should and will also sue them for that. Or they can simply admit fault and fix these errors which were clearly not on my part as I never once refused to pay them. I WASN'T EVEN GIVEN A CHANCE TO PAY THEM AS I DIDN'T KNOW WHO TO PAY, WHERE TO PAY, OR HOW TO PAY DUE TO NEVER RECEIVING A BILL!
|
| 06/22/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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due to identity theft, a XXXX XXXX XXXX XXXX was opened fraudulently under my name sometime in XXXX XXXX i first noticed this when i received a credit card from XXXX XXXX as well as a card from XXXX XXXX XXXX XXXX i called XXXX XXXX on XX/XX/2023 to alert them of the fraud. the identity thief had opened the credit card using my name and made purchases of {$39000.00} worth in furnitures. I spoke to XXXX at the XXXX store and she told me the store could not do anything about the fraud and told me to contact TD bank, the issuer. I called TD bank and reported the fraud the same day. i also called XXXX XXXX and reported the fraud on their XXXX XXXX XXXX as well.
i received a mail from TD asking me to sign and mail in a " delcaration of fraudulent activity '' paper. i signed the paper and emailed it to them on XX/XX/XXXX, XXXX around this time i received a mail from XXXX XXXX stating that the fraud dispute has been resolved and i was not found to be responsible for the fraudulent card. they deleted the account from my records.
on XX/XX/2023, i got a mail from XXXX XXXX XXXX at TD bank stating that my dispute has been denied. She stated " there was insufficient evidence to substantiate my claim and account history indicates prior acknowledgement of the account ''. I called XXXX on the XXXX of XXXX and asked her reason for denial. She stated there was no response from me regarding the " declaration of fraudulent activity paper '' so she closed the case. i told her i sent her an email with the signed declaration on the XXXX of XXXX. she checked her email and found my email with the declaration. she said she was going to reopen the case but will be assigned to another agent. she suggested i make a dispute with XXXX XXXX and XXXX XXXX. also make a police report and an identity theft report with the FTC. i did all of the above she suggested and put a freeze on my credit account with all three credit agencies, in case the thief tried to use my identity again for fraud. i emailed agent XXXX updating her with the FTC identity theft report, police report case number and the disputes with all three credit agencies. i also sent her the mail from XXXX XXXX that absolved me from the fraudulent XXXX XXXX XXXX. i wanted to show her that the thief had opened other fraudulent credit cards with my identity.
within a few weeks i received the dispute results from all three credit agencies. they have resolved the disputes in my favor and deleted the credit card account from XXXX TD bank from my records.
on XX/XX/XXXX i got a mail from XXXX XXXX XXXX from TD bank stating my dispute has been denied again. i called XXXX on the XXXX of XXXX asking if they reviewed the documents and email i sent and why i was denied again. she said she was just told to close the account and the person who investigated my dispute was XXXX XXXX XXXX. I tried calling XXXX XXXX, but as of today she is not in the office and her voice mail box is full. because i couldn't get in touch with XXXX XXXX, i called XXXX for advice on what to do next. she suggested i write an email explaining all that has happened and include all the documents i sent before with the dispute resolution reports from the credit agencies. today i sent TD another email with the description of all that has transpired and the documents as well.
recently my wife got a mail from XXXX XXXX XXXX at her moms home address. the letter states that i have been denied their credit card due to missing or unavailable information from the credit bureaus. it seems the thief is still trying to create more credit cards with my identity, but failed due to me freezing the credit.
i did not create this credit card from XXXX XXXX and i did not use it to spend {$39000.00} on furnitures. please help me resolve this issue. if there is anything else i can do to resolve this problem i would truly appreciate any assistance.
thank you, XXXX XXXX
|
| 08/17/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
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On XXXX/XXXX/16 at approximately XXXX XXXX I tried to deposit {$300.00} in cash at the TD Bank drive up ATM in XXXX XXXX.
The ATM malfunctioned & displayed a message " please wait ''. After some time grinding mechanical noises coming from the ATM & it returned {$150.00} of my deposit & kept {$240.00} within the machine along with my card.
My wife was in the car at the time & we immediately used her card to get a mini-statement to ascertain if the {$240.00} had been deposited to the account. The statement read only {$0.00} dollars were deposited ( transaction # XXXX XXXX ).
We called the ATM helpline printed on the machine XXXX. After 30mins on hold we hung up & decided to visit the branch when it opened at XXXX.
At XXXX we spoke with the branch assistant manager who told us to continue to call the number again as " there was nothing they could do '' in the branch.
After calling the TD Bank helpline XXXX & on hold for XXXX we eventually spoke to XXXX & explained the issue. TD Bank opened a REG E claim & we were told the investigation would take up to 10 business days.
After 10 business days elapsed we called the TD Bank helpline & were told our claim was denied as the ATM showed that we had deposited {$0.00} & this money had been correctly credited to our account. I explained to the operator that the resolution was wrong & they needed to reopen the XXXX XXXX claim. I also explained that the ATM was not equipped to take coins. The operator explained that the case was closed & at this point I requested to speak to a supervisor. The operator put me on hold for XXXX mins then came back on the line stating that the supervisor required a new case be opened & further 10 day investigation take place.
I explained to the operator that this was unacceptable & the case should be reopened immediately & addressed quickly as I was accruing interest charges due to TD Banks error. I asked to speak directly with the supervisor. The operator put me on hold & then immediately hung up the call.
Being sick of TDs telephone customer service I revisited the XXXX XXXX XXXX to resolve the issue in person. On XXXX/XXXX/16 the assistant manager I spoke to understood the problem & that the TD Bank resolution was incorrect, & advised they would expedite reopening my case. I was told to expect a call back within 24hrs.
On XXXX/XXXX/16 at XXXX after having no call back I called the branch. I was put through to the assistant manager who advised me that the ATM department was looking into the issue & I could expect a call back on Monday XXXX/XXXX/16 with the resolution. Monday & no call back.
Tuesday came, no call back. I tried to call the bank & asked to speak to the manager, I was told they were with a customer & I should call back later. I requested that the manager call me as soon as they were finished with the customer & left my details. I never received a call.
Wednesday came & the assistant manager called me. They explained that they had located the malfunction in the ATM & that it was around {$260.00} & I could expect the amount to be credited within the next few days & they would call again to confirm the case was closed.
On XXXX/XXXX/16 after having no contact from the XXXX XXXX assistant manager I called the TD Helpline again. After being on hold for 20+ mins I was told that the case was reopened but would n't be responded to for 10 business days. I explained that the ATM malfunction had already been found & asked to be transferred to a supervisor to resolve the issue & expedite my claim. The operator put me on hold & then immediately hung up.
On XXXX/XXXX/16 my balance shows TD Bank has corrected my account by {$130.00} not the {$240.00} their malfunctioning ATM seized.
It is clear that nobody at TD Bank cares about this issue, or even remembers that I entrust them with my hard earned money. Neither do they care about the fact I am accruing finance charges.
|
| 03/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
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I called TD BANK on XX/XX/XXXX to dispute part of a charge from XXXX/ XXXX we contracted to move our belonging. All of my information regarding the dispute was taken and entered into the system and I was told I would be given a provisional credit for the amount we were disputing-THIS NEVER TOOK PLACE. I was also told I would receive paperwork in the mail and that I needed to gather receipts and any other information to forward to TD Bank. I NEVER received any paperwork or phone call from TD Bank until XX/XX/XXXX which was a letter from TD Bank ( dated XX/XX/XXXX ) As soon as I received the letter I called the 800 number on the letter and explained that we NEVER heard anything from the original claim from XX/XX/XXXX and wanted to know why it was being denied and NEVER had the opportunity to tell my side of the story. She put me on an extended hold time ( approx. 1/2 hour ) and came back and took the information again to refile the claim and told me to get all the details, receipts, etc. to them within in 1-2 days and gave me number to fax this information, I faxed a 5 page letter along with 6 pages of documents the next day ( XX/XX/XXXX ) I then called TD Bank on XX/XX/XXXX to check on the claim and I was told that there was no way for them to check to see if the 11 page fax I sent over on XX/XX/XXXX was received I would just have to wait to get a call from the claims department. Approximately 1/2 hour after that phone call ( which was rather odd after I just spoke to them ) I received a call from TD Bank claims department telling me that the claim was denied because time for the claim had expired and that there was nothing we / they could do. I explained to the claims rep. that I DID file a claim in the allotted time on XX/XX/XXXX and was given INCORRECT information and I was also told while the investigation on the claim took place we would receive a provisional credit - which NEVER happened therefore, I thought they were trying to get a statement from the merchant. I was explained tonight ( XX/XX/XXXX ) that TD Bank attempted to call me on XX/XX/XXXX and I did not answer. I was told they don't leave messages or try to follow up with the consumer they just move on. I found this to be quite odd since we NEVER received a phone call and I certainly would have called back if a message was left. How UNPROFESSIONAL is that? Especially when we are dealing with a large amount of money .In speaking with a manager tonight- XXXX ( XX/XX/XXXX ) she seemed very adamite about not wanting to help us basically telling us - TOO BAD. She then asked me why we didn't file any sooner than the XX/XX/XXXX date in which I replied, " We couldn't file any sooner because according to the moving company they were trying to locate our belongings and this takes time so we sat in limbo not knowing what to do- the movers had been dragging their feet for 3-4 weeks before even returning our calls, in which they never did just sent an email stating that our belongings were never found and they would not be replacing our lost items. This is actually a 2-fold issue. First, with the moving company damaging and loosing items and not wanting to honor the " FULL REPLACMENT VALUE INSURANCE '' we purchased for an extra {$490.00} and Secondly, customer service representatives at TD Bank not being trained properly and not giving us ALL the proper information needed in order to get this taken care of in a timely manner. Since we trusted the customer service rep at TD Bank on XX/XX/XXXX. We were never told about a time frame nor did we receive a call or message from the original claim on XX/XX/XXXX which would have been within the time frame. XXXX-supervisor at TD Bank tonight ( XXXX/XXXX/XXXX ) basically told us we were out of luck it is beyond the time frame and we should call an attorney. I have NEVER felt so disgusted being treated this way not only by the movers but by OUR bank, TD Bank.
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| 11/03/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On or about XX/XX/XXXX, I was served with papers for a lawsuit in the Civil Court of the XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, N.Y. XXXX. They stated they represented TD Auto Finance and the amount being sought was {$5700.00}. There was no warning of a pending lawsuit or any attempt to collect any money from either TD Auto Finance or XXXX XXXX XXXX XXXX. This attempt at collecting {$5700.00} makes no sense since I had already paid off any debt that I owed TD Auto Finance. I voluntarily surrendered a car to TD Auto Finance in XX/XX/XXXX. I paid off any debt owed from the car in XX/XX/XXXX. My credit report indicates this. ( I am enclosing a copy of the credit report which pertains to TD Auto Finance ) Both XXXX and XXXX state I have a XXXX balance and my past due amount is XXXX. XXXX notes in it comments, " Account legally paid in full for less than the full balance. '' I had an agreement with TD Auto Finance to make three payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which I made to fully pay off the car which my credit report indicates. What makes no sense on my credit report is that XXXX states I owe {$6900.00} which is not the amount that XXXX & XXXX state I owe. In addition, the XXXX report states I have been paying off the car in XXXX and XXXX even though I turned in the car in XXXX and have not made any payments on the car in XXXX and XXXX.
I answered the complaint on XX/XX/XXXX, in the Civil Court of New York. I said I did not owe the debt and that I paid off the debt already. In addition, I mentioned that I was a victim of identity theft and stated that the identity theft may have something to do with the lawsuit. I spoke with XXXX XXXX of XXXX XXXX XXXX on XX/XX/XXXX. He confirmed to me that the car was voluntarily surrendered on XX/XX/XXXX. He also stated the car was sold in XX/XX/XXXX. I never received any notification of this. He also confirmed to me that I had made three payments to TD Auto Finance, 1 ) {$440.00} in XX/XX/XXXX XXXX ) {$1300.00} in XX/XX/XXXX and 3 ) {$1300.00} in XX/XX/XXXX. I told him that is when I paid off the debt so why are you suing me. He responded that he would have to check with TD Auto Finance to see exactly how much I owe. I told him that the credit reports state I have legally paid off the debt and he responded that he doesn't look at credit reports only papers that TD Auto Finance gives him. He also stated that he does not report anything to the credit bureaus.
I the3n received a letter from XXXX XXXX XXXX stating to me to give them a statement of Identity Theft and to review my credit reports. This after Mr. XXXX had already told me that he does not look at credit reports. I did respond to their letter giving an explanation.
Today on XX/XX/XXXX, after speaking to XXXX XXXX who gives me credit counseling, I called XXXX at their direction. I spoke with XXXX ( work # XXXX ) and asked him who was reporting that I owed a balance to TD Auto Finance and have been paying for the car in XXXX and XXXX. He responded that TD Auto Finance reported this and reported this to XXXX on XX/XX/XXXX. I explained the situation to him, and he advised me to file a complaint with CFPB which I am.
I have been treated very unfairly by both TD Auto Finance and XXXX & XXXX. I feel I am being harassed. I am being sued for a debt I already paid off. I was given no warning of getting sued. I was just served with papers. The law firm admits I made payments months after I surrendered the car. They also admitted that they don't know how much I owe due to these payments. My credit report confirms that I paid off the debt legally and have a XXXX balance. It also appears that TD Auto finance is reporting incorrect data to XXXX credit bureaus was confirmed by the representative from XXXX. I am enclosing the necessary documents from my credit report for your review as it pertains to TD Auto Finance.
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| 08/04/2015 |
Yes |
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- Customer service / Customer relations
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Web |
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On XXXX XXXX, 2015 I received a letter from Target REDcard that they had cancelled my auto-pay as requested. I had NOT requested this, so I called them up to see what had happened. The first person ( of XXXX I spoke with ) insisted I had done that, until she actually took a moment to look deeper and saw that THEY had cancelled it as my payment had been returned by my bank, saying 'account closed '. I logged on to my Redcard account while we were on the phone to check and make sure my bank account was listed correctly ( I had had all of my account numbers stolen in XXXX, and had closed my bank account and opened a new XXXX ) ; it was, and was clearly selected as the default account ( box checked, and bold red font ). I then asked why they had taken the payment from the other account, and she INSISTED that the only account listed was the old, closed XXXX. I said 'I 'm looking at it right now ', yet she refused to acknowledge that there was another account. I asked to speak to someone else. I had to tell the story all over again and got the same response. I kept insisting, and finally he said, oh yes, I see the other account, but it is not your Redcard autopay account. I logged back in, checked my auto-pay screen, and saw that the default ( correct ) account was autofilled in the box for " Bank Account '', with words beneath it to the effect of 'the account number above will be used to make any payments '. I told him that, and he said that was not true, that my closed account was linked to autopay. I kept telling him what I was looking at, and he finally said ( paraphrasing ) : 'autopay is like a contract, and the contract is associated with a specific bank account, and if you change that account, you 're changing the contract, so you must cancel the existing contract and create a new contract with the new account '. I said something like WHAT ARE YOU TALKING ABOUT??? And, where does it say any of that at the website? I said again that AT THE AUTOPAY site, the correct account was in the 'pay from account ' box, yet he was adamant that that was NOT the case, and that I was wrong. I finally said, ok, I 'll just pay it, but can I get the return check fee credited since it was n't my fault, and he said, no, it was your fault. Then, I said, ok, I 'll pay all but the {$26.00} now, and he got very annoyed and rude, and I finally asked to speak to someone else. The XXXX person was the rudest. Since my payment was 12 days late as a result of this, all she wanted to do was collect my payment. I told the story again, and she kept interrupting me to ask about collecting my payment. I tried to explain about the XXXX account, and she ( like the XXXX person ) said she could n't see the account, that in fact it was n't there, and when I told her that the guy before her could see it and that we had discussed it, she said, I do n't think so, because there are no notes in the file to that affect. She kept interrupting me, saying, 'the last process was on XXXX XXXX ( or thereabouts ) and the payment was returned as the bank account was closed ', and finally every time I tried to speak she repeated that. I asked for HER supervisor, and she said nobody else was there, and I finally said I would call back the next day. I have been communicating with REDcard customer service online since then, and they are just as adamant that I was wrong, and they will not credit the fee under any circumstances. I have NEVER felt so insulted and demeaned by a group of CSRs in my entire life. I have never been made to feel so WRONG. They ( REDcard online CS ) can see my XXXX account, yet they insist that I should have done the whole close autopay and reopen, and the fact that I see the current account in the box means nothing. I keep asking how I should have known that and they had no answer for that. Not even an attempt at an answer. I can provide screenshots documenting all of this.
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| 11/13/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
Older American |
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On XX/XX/XXXX at XXXX XXXX I was checking out at the XXXX, XXXX, XXXX XXXX store and I got " slammed '' by the cashier said, " Do you have a XXXX discount card? '' I said, " What? '' She said, " Do you have a discount card? '' I said, " No. '' She continued, " Would you like a discount card? '' I asked her what did she mean, and she said I could get a discount card that I could use " today. '' I was n't sure what she was talking about so I asked her to be more specific. The cashier said that I could simply " fill out a form and get a " discount '' card to use at XXXX. '' to clarify, I replied, " you mean like a XXXX or XXXX club card? '' and she answered " Yes. And you get free shipping on the XXXX online orders. '' I shopped fairly regularly at XXXX and I really did n't want to waste a lot of time, but she popped up the checkout computer window and said, " just fill in your name and address. '' It did n't sound unreasonable until it asked for my annual income. I said to the cashier, " Why is this asking for annual income? '' The cashier ignored me and continued ringing up my order. I knew she heard me and I asked again ( there was a line of people behind me and I did n't want to be rude ). I then said, " Hey, I do n't want this. '' And the cashier continued to ignore me.
At that point I could n't cancel out or move back or forward of the software program, so I put 2 numbers ( 42 ) in the box and hit next, it asked for my social security number and by that time I was getting really upset. The cashier continued to ignore me until I raised my voice and said, " I do NOT want this '' and she finally came to the end of the counter and said, " you 'll have to enter your information in order to end the program. '' I entered my social security number under duress in order to end the process, and used my own credit card to pay for the items.
The cashier handed me my receipts and said, " you 'll be getting a letter about your " discount card '' in about 10 days. '' And handed me a booklet called " REDcard Agreement Information and Program Rules. I opened it up and saw this was a CREDIT CARD!
At that point I went to find a supervisor. I told the supervisor what had happened and she said it was a CREDIT CARD application. I would NEVER have applied for a XXXX credit card if the cashier had been honest. This was not a " DISCOUNT CARD '' - this was a slam for a credit card.
I told the supervisor the same thing and she said, " I 'll make a note and we 'll talk to the cashier. '' The next day, I called XXXX in the number in the booklet and lodged a complaint. It took me 20 minutes to get the operator to finally open a case # XXXX and that was only after I explained I was a paralegal for a litigation attorney. The operator told me to call the same number ( after he originally told me I was in the wrong department and called the wrong number ) in about a week to check on the status of the case.
I called on XX/XX/XXXX, at XXXX XXXX HST and after waiting 30-40 mins the XXXX operator said there was no case found. I asked to be transferred to a supervisor. The supervisor came online and " claimed '' she could not hear me - and hung up.
On or about XX/XX/XXXX, I received a letter from XXXX dated XX/XX/XXXX denying my application " based on the annual income '' ( because I did not complete my income and just wanted to end the process ).
Now, my credit had been dinged for a " slammed '' credit card that I would never have applied for in the first place had the cashier been honest in the first place. This was not a " DISCOUNT CARD ''! And XXXX should retrain their employees and CFPB should mandate that any type of credit card process be clearly stated upfront by employees and in their software system.
I 'm a senior citizen and I work very hard to keep my credit intact. I want any negativity that this may have caused on my credit report expunged.
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| 04/12/2015 |
Yes |
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Web |
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My XXXX issue with Target started on XXXX/XXXX/XX/XX/2015. My payment due date is the XXXX of every month. My payment was made on the XXXX, but was n't posted until the XXXX. The same is shown on my payment history. In early XXXX I got a call from a rep saying that I was 2 months late on my payment. When I asked why, they told me that I made my XXXX payment late and I did n't pay the late fee for XXXX. I told them that I made the payment on the due date. They said that it did n't matter, the payment was posted on the XXXX and that 's the date they go by. They said I had to pay the {$35.00} late fee, but it would be credited to my account. I told them that I 'm on a very tight budget, and would n't be able to pay an extra {$35.00} on a bill that should be {$25.00}. The rep told me that she ca n't change the bill, and that I would have to pay the fee but the payment would come off the principle. I told her again that I could n't afford that payment, and would n't be punished for something that I did n't do. She said that it could n't be changed. I asked to talk to her supervisor. She put me on hold for a while, came back on the line, told me that they ca n't change it and could n't continue with the call, then hung up on me. A few of days later, I called customer service again. I spoke with several different reps and went over the same issues again. Each time, I was hung up on. I received a call from a customer service agent on XXXX that I was not able to answer. I called them back and spoke to a rep named XXXX. It was approximately XXXX XXXX when I called. XXXX told me that I was now 3 months behind in my payment. After informing her that I wo n't pay late fees when I was n't late, I was told they would credit the late fees, but now my payment was up to {$90.00} for XXXX. I told her that was n't going to happen. She then told me that since I paid after XXXX XXXX, that 's why the payment was posted the next day. She also said that if I had called in after I made the payment, they would have adjusted the payment and it would n't have been late. I told her that I could not afford the {$90.00}. She told me that I could split up the payment, {$45.00} now and {$45.00} by the XXXX of the month. I told her that I would n't do that and I would pay the {$25.00} on the XXXX. She said that she would make note of my refusal to pay. I told her that this is untrue, I want my account credited properly and there should be no late fees at all. I asked to speak to her supervisor. She told me that I have already spoken to a supervisor, and it would n't go any further than her. She told me that if I did n't pay it, they would turn me in to the Credit Bureau. I was once again told that the call had gone on long enough and was hung up on. Later that night, I showed my wife the payment history and noticed that there were XXXX payments made on XXXX/XXXX/XX/XX/XXXX. The XXXX payment was {$470.00}, which was the entire balance on the credit card. The XXXX payment was sent for {$90.00} on XXXX/XXXX/XX/XX/XXXX and was canceled. I immediately called customer service to dispute this payment. I spoke to XXXX different reps because I was hung up on the XXXX time. The XXXX rep was XXXX. She told me that they would file a dispute form and it would take 3-5 days to process. I asked what time the payment was made. XXXX told me that the payment was made at XXXX. My phone records will reflect that I was on the phone with the rep named XXXX at that time. She told me that they would look back at the records and decide if they would reverse the payment and see if the stop payment was warranted. I told her that the payment was n't authorized. I was told that if the stop payment went through, Target would also charge me for a bounced payment. I called my bank XXXX thing in the morning and had them stop payment on the {$470.00}. I am now being charged {$15.00} for the stop payment.
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| 03/11/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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Td bank is denying my claim for fraudulent activity on my debit card, I went to a branch in XXXX NY on XX/XX/XXXX asking for help on my account as I saw these unauthorized transactions they told me that theres nothing they can do until the pending transactions post on the account. When I asked them to freeze my account while these transactions were occurring they told me there was nothing they could do as the transactions were pending. I told them I was traveling outside the country soon but I wanted to resolve this before I left. They told me I would have to monitor the transactions and once they post then the bank would be able to help me. When I went to the branch again in XXXX NY on XX/XX/XXXX they were able to help me close my account and issue me a new debit card. They told me it takes 7-10 business days to be given a provisional credit. I called in to customer service on XX/XX/XXXX and they had messed up the transactions that were disputed, they told me that the claim was denied as there was no incorrect pin used. Then they told me they can refile a claim for me and told me the same it would take 7-10 business days to get refunded. Then I called in again the following week on XX/XX/XXXX and they told me it was denied again and that I should get a police report. I went to the police and they informed me that Td bank is aware to give their customers an affidavit, to come with that affidavit with the police report. I went back to the branch on XX/XX/XXXX and they printed out the statements and affidavit for me. They said that Td bank never filed the claim initially and thats why I was having these issues. Someone needs to hold Td bank accountable. Td had also said that my card was not used after reporting it but it was used at XXXX XXXX for XXXX on XX/XX/2023. At the branch on XX/XX/2023 they told me that the other branch didnt file the claim initially. I am awaiting a police report number from the police they told me it can take 2 or 3 days. TD Bank has told me that once I get the report number that the branch will fax it to them and that this can take anywhere from 14 days to one month. Td bank and its representatives have been extremely careless, they do not care for their customers yet we entrust them to hold onto our money. In addition I have went to three different police departments, multiple different branches, I am at a branch today on XX/XX/2023 a representative by the name of XXXX XXXX is helping me refile a claim he says what I have brought is not a police report. I explained to him that Td bank can get the report online, the document I brought him has the officers name, shield number, date and report number. Td bank is not accepting responsibility the amount I am owed is XXXX. Why would TD Bank refund me the XXXX but not my remaining balance? Clearly the branches have conducted in error, I went to the branch within a timely manner to report the fraud on my account, I did everything they told me to do. Yet they are denying my claim for the following reasons : Card present attempts after card closure which may indicate whomever is using the card is aware that it is Successful online banking logins occurring during the disputes time trame, indicating customer was aware of balance and transactions Unable to determine fraud occurred.
Card was used on XX/XX/2023 at a XXXX XXXX in XXXX based off of what it says online. Clearly TD banks conduct and investigation has not been through or proper including the assistance from staff in multiple TD branches. The requested resolution is to refund me XXXX immediately otherwise this matter will be taken to small claims court. According to the federal Electronic Fund Transfer Act, your liability is up to {$50.00} if you notify the bank within two business days after you realize the card is missing. I reported this to the bank within a timely manner yet they did not take any action.
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| 08/27/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
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Today, XX/XX/2020, I am furthering a complaint against Retail Store, Nordstrom, Inc.
My Complaint is in reference to Nordstrom closing my account after 30 years of existing as a consumer abiding and loyal customer to Nordstrom.
My grievance began when I received correspondence from Nordstrom, dated XX/XX/2020, advising that my account would be closed due to credit reporting that they did not consider favorable to their companys creed.
Upon receiving this correspondence, I immediately called the Customer Service Department on XX/XX/2020, in addition, I also composed a rebuttal that same day, stating the facts of my customer devotion over the years, my outstanding account maintenance, never late-payments paid on time every month, my recent outreach to the Company, and the unprofessional posture that I received from the Customer Service Representative, to include the Customer Service Supervisor.
I have additionally spoken to several other Customer Service Representatives/ Supervisor since then. Most recent on XX/XX/XXXX, and XX/XX/2020 respectively.
However, on XX/XX/2020, I spoke with two Representatives w/ Company ID : a. XXXX or XXXX ( as I was advised ) b. XXXX ( XXXX-Supervisor ) The conversations on this day, XX/XX/2020, was very contentious. As first, I received a phone call from Representative ( a ) who advised she was calling me in reference to my letter, to inform me that the account would not be reopened, as it was stated for closure, unless I agreed to do a credit check, and as she put it ; would create a hard inquiry, but it was my decision.
I did not take well to her tone, and asked her what other standards did Nordstrom considered, and did they not take into consideration, excellent account maintenance?, longevity? ... She did not reply. I advised her that I would like a formal reply to my letter from Nordstrom, as I did not ask for a phone call. She was hesitant, and did not provide further explanation. The call concluded.
Furthermore, I called Nordstrom back within minutes, and spoke to ( b XXXX XXXX. XXXX too was not responsive to my concerns, however, in a response to my question of what criteria did Nordstrom overall base their decision to close my account, he stated that he/ Nordstrom was not privy to provide that answer. He further stated that additional factors, such as longevity, and keeping the account in good standard, was unfortunately not an equation to my credit report. He also stated that Nordstrom had been reviewing my account for over a year, and my credit report fluctuated.
Appalled at this response, I requested to close the account.
Please note, it was not, and has not ever been my intention to close this account, but I did not want the Companys reporting to the credit bureaus that they closed the account, as I have been advised this would further damage my credit score, rather than myself making the request.
Therefore, I strongly believe that I have been a victim of Credit Discrimination based on my credit report that does not reflect my Nordstrom History.
A distinction that I voiced to Nordstrom in my letter, Discrimination made by Nordstrom based on groups, classes, or other categories to which they perceive others to belong.
Moreover, restricting my credit privileges based on their systematic internal bias of who is credit worthy, regardless of your consumer allegiance.
I am hoping that the CFPB can assist me with getting a straightforward formal response from Nordstrom, addressing my concerns to their closure decision.
And whatever, their response will be, I would like to receive advice on where I can post my experience public, for others to review, so a consumer such as myself can make a good decision before wanting to become a Nordstrom Credit Card Holder.
Thank you.
Enclosure : XXXX XXXX ( Nordstrom Letter ) XXXX XXXX ( Letter Response ) XX/XX/2020 ( Nordstrom Letter )
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| 09/24/2015 |
Yes |
- Bank account or service
- Other bank product/service
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Web |
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I share a student savings and checking account with my niece who at the time was working XXXX part time jobs and a very good student. also practicing cheerleading for her school. She read on an instragram where she can make money. When she inquired with the guys that ( she did n't know / strangers ) set up the link she asked what she had to do and if it was legal. She was told that they needed her bank information and debit card. They also told her it was legitamit business and advised her money was to be put in her account but to show they did n't need her money and to prove this was n't a scam to take her money out of the account. She also asked whose money would go in and they said they had money investors. She asked them would it be checks or cash they did n't tell her just advised her again it was legal. The guys advised her these money investors for tax reasons had to spend so much a year and to meet some type of quota.
She believed it was legal and met with this guy and gave him her debit card and texted her passwords user id and password for debit card after she took her money out of the account. The guy or guys went to the ATM MACHINE and deposited XXXX checks payable to my niece marked gifted in memo. The back of these checks were endorsed by the guy making the deposit into her savings at the ATM ( XXXX checks in the amount of {$780.00} each ) = {$1500.00}. Then the guy deposited XXXX more checks endorsed by him in the amount of {$780.00} each = {$1500.00} into my nieces checking account. A total of XXXX checks forging my nieces name marked as gifts payable to her. These deposits were made on XXXX/XXXX/2015. At the time of the deposits they did a withdrawal of XXXX. On XXXX/XXXX/2015 the guy did XXXX transactions. a online money transfer of {$300.00} and also a ATM withdrawal of {$600.00}. On the XXXX the guy made a ATM withdrawal of another {$600.00} from the ATM. He also went to XXXX IN XXXX NJ where he made XXXX purchases at the self service cashier and with each small purchase made a cash withdrawal of {$200.00} ( example XXXX item {$1.00} + {$200.00}. = {$200.00} ) On XXXX/XXXX/2015 my wife went to check something on our account and noticed that the savings and checking account shared by me with my niece showed negative balances and insufficient funds so we called the bank. They advised us of these purchases and we also advised them my niece was in Pa at cheerleading camp so she could n't have made deposits or withdrawals. We also went into the XXXX XXXX branch where they viewed the checks and the signatures and went into a file and viewed my signature card and my nieces showing not even close just scribbling. When we became aware of the fact my niece gave them all her info and card we went to the XXXX XXXX we told them the checks deposited were not either endorsed by me or my niece they got in touch with the fraud department on the phone the fraud department told us even though the checks were forged no fraud was committed because she gave them the card and info and we have to pay this back. We also asked them why that much money was allowed to be withdrawn when the funds we not cleared the bank managers told us it was done as a favor to us because we were long time customers of the bank. When my niece got back from Pa we went and filed a report and charges. The police arrested XXXX guys XXXX a minor from XXXX ( let out into his mothers custody ) the other guy from XXXX of age was let out on bail. The police got the ATM camera photos from the bank. Also we do not understand if a person is giving a check for a gift why write out XXXX individual checks to the same person in the same amount when you can just write out XXXX. We have received numerous calls from collection and after almost a month I was told by the girl i can file a complaint form for the forgery and some type of XXXX XXXX form. I also called my lawyer.
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| 12/26/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Application denied
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Web |
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Re : Application ID XXXX Notice to all, I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof or the surname/given name XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and hereby claim that I will d/b/a XXXXand autograph as the agent, attorney in fact, so be it ; Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I dispose the following facts, so be it, now present : Fact, the Equal Credit Opportunity Act and the Consumer Credit Cost Disclosure are intended to secure my right to credit. My rights have been denied and I have been discriminated against so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of fraud and theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that TD Bank USA , N.A. violated 15 U.S. Code 1642, 15 U.S. Code 1602p and 15 U.S. Code 1691.
Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that TD Bank USA, N.A. violated 15 U.S. Code 1642 violate federal law because I made an application, but credit was not issued. TD Bank USA, N.A. denied me credit.
Fact, affiant is aware and has proof in pursuant to 15 U.S. Code 6802, TD Bank USA, N.A. may not report my nonpublic personal information as this statement confirms my request to OPT OUT. This means, I am requesting all inquiries and any other information regarding my relationship with TD Bank USA, N.AXXXX, be deleted permanently from all consumer reporting agency databases including but limited to XXXX, XXXX, XXXX and XXXX XXXX.
Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1605 that a finance charge was involved because my social security number was used.
Fact, Affiant is aware and has proof pursuant to 15 U.S. Code 1602 that the use of my credit card ( social security card ) in this consumer credit transaction ( application for credit ) is unauthorized use because I received no benefit.
Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1681b that TD Bank USA, N.A., fraudulently obtained my nonpublic personal information from XXXX because I did not provide either corporation with written instructions to furnish my consumer report to TD Bank USA, N.A. Also, I did not provide TD Bank USA, N.A. with written instructions to retrieve my consumer credit report.
Fact, Affiant is aware and has proof pursuant to 15 USC 1611, TD Bank USA, N.A. is criminally liable for violating 15 USC 1602 and 15 USC 1605 because I received no benefit. Also, a finance charge was involved in the consumer credit transaction I initiated on XX/XX/2021 but there was no mention of a check being mailed to me, the original creditor, for a finance charge in the adverse action letter I received.
Fact, affiant is aware and has proof pursuant to 15 USC 1691, TD Bank USA, N.A., can not deny me the credit I requested. TD Bank USA, N.A. has discriminated against me for exercising my rights to credit.
Fact, affiant has identified your Georgia registered agent. If TD Bank USA, N.A. fails to comply with federal law and meet my demands, affiant will seek legal action in a court of law.
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| 01/10/2017 |
Yes |
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- Customer service / Customer relations
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Web |
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On XX/XX/XXXX I called TD Bank Account Services department because my account was past due. I spoke with a representative that advised my account was past due and that if I was able to bring the account current, he would wave my late fees for the last 2 months if I were to remit a payment of {$140.00}. I agreed to this and authorized a payment of {$140.00} through the saved checking account on file. 2 days later when checking my account at night, I saw that TD bank took out {$1000.00}. I called XX/XX/XXXX FURIOUS, cursing and yelling at every representative I spoke with demanding I speak with a manager in the Account Resolution department. I was hung up on several times and the representatives that did not hang up on me advised me that I could not speak with a manager that I had to wait on that following Monday for a manager to call me back, So I called back and requested to speak to the customer service department and was transferred to an agent, I immediately requested to speak with a manager. The manager advised me that she could not help me with getting a refund because the error occurred in a different department and the money would have to come out of there books. I called Monday morning demanding to speak with a manager and kept being advised the same thing over and over again ; I also continued to be hung up on as well. I called Tuesday XX/XX/XXXX and was told that my request to speak to a manager was not put in and that I would have to wait on a Account Services manager to call me back the next day. No entry level employee would assist me in getting my money back. Wednesday XX/XX/XXXX, I called back and asked to speak with a manager and was told that it would take 24-to 48 hours for someone to call me back I hung up and called back and requested to speak to customer service department. I was able to get a manager on the phone and the manager stated that she would not be able to refund the entire amount of {$1000.00} because she could not put my account back delinquent, we agreed to my refund of {$870.00}. She stated that she could not have the refund credited back to my account, and that the check would be sent regular mail and it would take 7 to 10 days, because of the holiday season. I called after XX/XX/XXXX inquiring about my refund and the representative stated tp o give it until Friday XX/XX/XXXX and if I did n't get my check to call back. Well I waited until Monday evening XX/XX/XXXX and I still have n't gotten my money back. So I called to speak with another manager. She advised me tonight that the check was mailed, there is n't anyway to confirm the check was mail, she is only going off what the notes say, she cant control the mail and if I have the check canceled it will take2 business days to have another check issued and another 7 to 10 days for me to get my refund regular mail. She stated that she does n't know what is going on in my personal life but she was sorry and that it was another department that caused the error. I have to keep reminding these managers and employees that they all work for the same company. I keep advising I need my money back and no one seems to care that it has almost been 30 calendar days since this accounting error happened. I feel ignored mistreated and taken advantage of. It does not matter if I call cursing or if I call being reasonable, at the end of the call I get told, there is n't anything else I can do for you and I 'm sorry you do n't have your money, I have to wait on my {$870.00}. I feel I should not have to wait this long and when I asked for the president of TD Bank or to speak with her manager she declined to give me the information and gave me the correspondence address to escalate further above her and that I would still have to wait to get my refund. These tactics are unethical and I still have to make my payment even though I still do n't have my money back.
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| 10/25/2016 |
Yes |
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- Credit card protection / Debt protection
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Web |
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Fraudulent Transaction Description ( Summary ) - We were involved in a fraudulent transaction ( rented a property for the weekend ; without our authorization the owner canceled the reservation and we never got a refund ; see detailed explanation below ) - We disputed the charges / situation with the owner of the property and the company that provides the renting platform ( XXXX ) - XXXX recommended that we file a complaint with our Credit Card Company / Bank because they do n't get involved in any type of disputes - We filed the dispute with our Credit Card Company / Bank ( TD Bank / TD Card Services ) Complaint about TD Bank ( XXXX Card Services ) ( 1 ) The card issuer, TD Card Services, did n't provisionally credit the disputed charges ( breaking their Zero Liability Policy that is stated in the TD Personal Card Agreement ) ( 2 ) The card issuer, TD Card Services, did n't perform a thorough investigation - Since the day the case was opened and I sent all the required back up information, I pretty much called every week to find out the status of my case - For more than two months, TD Card Services would n't provide an update - Finally, when I called again in the week of XX/XX/XXXX ( they basically realized it had been over two months ) they looked at my case and shortly after reviewing it, told me that it was rejected - I waited for over two months for them to perform an investigation and mysteriously, when they realize my case is past due, they complete / close an investigation in a matter of minutes and do n't provide a refund ( 3 ) The card issuer, TD Card Services, did n't complete its investigation within two complete billing cycles of receiving the dispute - Case Opened : XX/XX/2016 - Case Closed : XX/XX/2016 - Billing Cycle : Closed on the XXXX of every month Fraudulent Transaction Description ( Detailed ) - On XX/XX/2016, rented a property through XXXX for a weekend stay from XX/XX/2016 to XX/XX/2016 - Had some unforeseen events and aware of the 30 day cancellation policy, we inquired about a potential cancellation and kindly offered to discuss the alternatives with the rental owner as stated in the XXXX website - Without consulting us, the rental owner took the executive action of cancelling our reservation and informed us about the partial refund he would provide - After seeing the unauthorized actions taken by the rental owner, we immediately reached out to him and clearly pointed out that we did n't agree on the cancellation / partial refund and kindly offered to discuss other potential solutions - The rental owner was really unresponsive and even though we sent multiple emails kindly requesting to jump on a call to discuss the situation ( asked 3 times ) and offered potential solutions ( we even mentioned that " fewer of us might end up going '' ), the rental owner replied 2 times informing us about the actions he had taken and never accepted our request to discuss the situation over the phone or offered to jump on a call with us - We finally got onto a phone call with the rental owner on XX/XX/2016 ( approximately 5 days after our first email ) and after discussing the situation, the rental owner told us that he would refund us the full amount - Unfortunately, the rental owner later on sent us an email telling us that he had reversed his course and that he would n't refund us because of the policies - In the final email to the rental owner, we clarified that we were not arguing against the policies ( which we were aware of and stated in our first email ), but that we were arguing against the executive action he took to cancel our reservation when we DID NOT instruct him to do so and highlighted that IF WE WANTED TO CANCEL the reservation, we would have done it from our end, following the instructions offered by XXXX - We filed a complaint with XXXX and they recommended that we file a complaint with our Bank
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| 08/14/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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TD bank is not following their deposit account agreement. Their policy states that any " item '' ( including checks, debit point of sale, and other debit or electronic transactions ) are processed at the end of each business day and in chronological order based on the date and time that the transaction is initiated, and if for some reason TD Bank needs to change the order I will be notified beforehand. On Thursday XXXX XXXX I paid over the phone to XXXX an {$86.00} charge. I continued to balance my checkbook based on TD Banks policy for determining my account balance. On Sunday XXXX XXXX I logged into my mobile banking app and noticed that a check had come in and been taken out of the account and I was overdrawn. My account balance on the XXXX was $ XXXX. No other transactions were pending and my XXXX payment had already gone through. I transferred {$78.00} from my savings account into my checking account. On Tuesday XXXX XXXX I checked my bank account on the mobile banking app and saw that my account was overdrawn again. I had made a debit charge for {$22.00} and TD bank had also charged me a {$35.00} overdraft fee for the check. I called TD Bank customer service and talked to a supervisor named XXXX who refunded me the {$35.00} overdraft fee. she told me my account balance was {$26.00}. and something cents. After I got off the phone I used my debit card at the grocery store and charged {$16.00} to my account. At the end of the day Tuesday I had around {$10.00} in my account. On Thursday XXXX XXXX my account balance was $ XXXX sense because I had been charged 2 more late fees. I went through the math on my account and called up customer service because I was confused. I was told when I called that there was no bank error and I was n't allowed anymore overdraft reversals. The second fee was for the {$22.00} transaction and the third fee was for being overdrawn by the second overdraft fee. I was told they were following their policies even when I brought up the fact that they had changed the orders of my transactions, which was the only reason I had overdrafted to begin with. I called back on Friday XXXX XXXX and went over the math of my account with XXXX. We both agreed that there was at least one overdraft fee that did n't seem to have a reason behind it. She put me on hold so she could go talk to a supervisor. A supervisor named XXXX came on the phone with me and explained to me how to balance my checkbook. I kept telling her that I knew how to balance the checkbook and asked to go over the math with her as well. She still was n't able to help me and I was put on the phone with someone named XXXX, who was supposedly the highest up person i could talk to. I kept asking why my XXXX payment was processed on the XXXX and why it was n't processed in the right order and he was n't able to explain it in a way that made the math make sense. I finally asked him to explain all of the transactions that he saw on his screen and it went like this : at the end of the day on the XXX my balance was {$120.00}. A {$10.00} check posted on the third, balance XXXX. Then my XXXX payment was pending, which put my available balance on the XXXX at {$25.00}. On the XXXX I used my debit card for {$25.00} and my balance was {$.00}. A check for {$30.00} posted and by the end of the day on the XXXX I was overdrawn $ XXXX. XXXX then proceeded to tell me that sometime between friday on XXXX and saturday at XXXX the {$86.00} was put back into my account resulting in a positive {$57.00} balance. On the XXXX the {$86.00} was taken back out of my account which overdrew me again, and that 's where the third overdraft fee came from. XXXX said that XXXX did n't collect on the payment until the XXXX. I got off the phone and called XXXX up. They confirmed that they received and processed my payment on the XXXX, not the XXXX, and sent me an email confirmation.
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| 08/31/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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I have a 'yard card ' which started having a payment due back on XX/XX/XXXX in the amount of {$230.00}. The bill for that month arrived a day after the payment was actually due. So we called up the company and they 'waived ' the late fee that time and we made the payment online that same day on XX/XX/XXXX in the amount of {$230.00}. The XXXX payment that was due I called the customer service number to figure out how to set up the online bill payment through my XXXX XXXX XXXX bill pay system since I didn't see them anywhere. The rep helped me through setting it up manually and it worked. However, I was unable to make the payment through bill pay as it was to close to the due date. So I made the payment, in the amount of {$230.00}, at XXXX. and that was on time. Then I set the bill payment to be made on XX/XX/XXXX for {$230.00} through my XXXX XXXX XXXX bill payment. When I get the XXXX bill I see a 'late fee ' assessed in the amount of {$29.00} for XXXX 's payment being late. I called them up in early XXXX, as I am still waiting for my XXXX Bill to come out from my cell provider to get the exact date and time, and explained that the I made the payment, of {$230.00}, on XX/XX/XXXX so I'm not sure why it took them four business days to have the transaction post and then backdate the actual transaction date to XX/XX/XXXX which is a Saturday. The rep on the phone apologized and agreed in XXXX the fee should be waived but, they couldn't waive the interest because, that was supposed to be charged. So I agreed to that and it was fine and I again paid the {$230.00} due XX/XX/XXXX. Then I got the XXXX statement and it's showing a total 'late fees / other fees ' of {$69.00}! So I called customer support again and was transferred to a manager and she explained that when I am 'making my online bill payment 's through my bank ' that it is not being made electronically as I am thinking it is. That the payment 's are actually being mailed to TD Bank as 'my bank, XXXX XXXX XXXX , has no relationship with Yard Card and almost no bank 's have these relationships with them. ' So now I understand why it appears to be taking so long to post the transactions even though I am making them so far in advance of actually being due and still being charged late fees. She explains that since they already 'waived ' one late fee that they will not 'waive ' another and I owe {$300.00} this month. I disagree with the amount due and I feel lied to because the first rep in XXXX could have explained that my bank is actually mailing them physical check payments as they have no relationship with XXXX XXXX XXXX. But, they didn't. And it's not like I knew this was happening. XXXX XXXX XXXX 's bill pay system is partially at fault also as they should make you have to input the payment for processing at least ten business days before the actual payment is due so that it get 's their in time. But Yard Card / TD Bank are most at fault for not explaining back in XXXX that these payments are actually being mailed and not electronically sent as I believed. The really odd thing is I have another outstanding loan with TD Bank for a bike that I bought through XXXX and have been billed monthly for it through XX/XX/XXXX and have had ZERO issues with paying that bill through bill pay every month making on time payments. But, for some reason TD Bank / Yard Card I have had issues with every single month non-stop. And it appears this is partially intentional by TD Bank not having any 'relationship 's ' with other banks so customer 's can not make payment 's through their online banks bill pay system as I did. And I am making the assumption this is intentional because, now I am being forced to pay {$69.00} dollars in late fees that have piled up as I was under the impression that all my payments through my bank have been made electronically but, were actually being mailed.
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| 01/08/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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In XXXX 2015, my banking information was somehow compromised, and {$560.00} was fraudulently taken from my TD bank checking account through an old XXXX account. When this fraudulent charge occurred, it caused my checking account to have a negative balance. I then received XXXX overdraft fees totaling {$140.00} for purchases that were already pending on my account at the time of the incident, and had no access to any of my funds for over 3 days.
XXXX customer service refunded me the {$560.00} the next business day. However, TD Bank, refused to give me the {$140.00} in overdraft fees back, saying in error had not been made, since my account was negative ( even though the charges that caused the negative balance were fraudulent ).
This is the most insane thing I 've ever heard a bank tell me. Customers should n't be held liable for expenses occurred during fraudulent charges, and in doing so the bank attempted to profit from a situation that I had no control over.
I had to fight with TD bank for almost a month to recoup these fees. I encountered the most indignant, unempathetic, and rude, customer service that I have ever experienced in my life. I called customer service over six different times, and visited a branch in person on three separate occasions in attempts to settle this incident. Every employee that I encountered, including supervisors, were extremely rude and told me that " the overdraft fees were not their problem ''. When I spoke to an employee over the phone and told him that this was TD banks problem to fix, your employee rudely balked back " No, it 's your problem since it 's your money ''.
Additionally, no notes were ever made on my account ( after it was promised that it would be ) which meant I had to retell each TD phone customer service representative the 10 minute background narrative, over and over again with each new call.
Not knowing where to turn, I eventually conducted a three way phone call with XXXX regional supervisor and a TD Bank supervisor. During the call, the TD bank supervisor argued with XXXX claiming that THEY needed to give me the {$140.00}. XXXX responded that they could not give me money back that they did not take in the first place. XXXX refunded me the {$560.00}, but TD bank issued the {$140.00} charge. TD Bank owed me the reimbursement. After an hour on the phone with the XXXX representatives, the XXXX supervisor warned that TD bank was opening themselves up for a lawsuit - profiting from a fraudulent charge is against the law. Only at that moment did TD Bank finally agree to refund me my {$140.00}, but this was not done with an apology or remorse. The supervisor continued to act like a favor had been done.
I asked TD bank to keep the accounts open until my upcoming paycheck posted ( direct deposit ).
TD Bank then opened and closed my checking accounts and debit cards 3 separate times without notice over the next two weeks which caused my paycheck to be lost for days. I closed the checking and savings accounts at the XXXX location on XXXX/XXXX/15.
My third account with TD bank, a money line of credit, had a balance when I closed my checking and savings account. I paid it off in three weeks, and have been trying to close this account ever since. I have now requested for my TD bank money line account to be closed at least XXXX times - in person, via email, and online. I 've sent numerous emails, faxed a letter from a physical branch, mailed a letter to their headquarters, and messaged the bank through their online message portal.
XX/XX/XXXX I received a bill from TD bank stating that I owed them XXXX dollars by XX/XX/XXXX for the money line account annual fee. This is absurd. I have been trying to close this account for months, and have documented proof. I am not paying a annual fee for an account that is only open because TD is attempting to hold it hostage.
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| 11/21/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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TD Auto Finance iIlegally repossessed my auto vehicle, and then report the illegal repossession to the credit reporting agencies. On XXXX/XXXX/15 I went into the parking lot where I parked my vehicle to get a bag with documents, such as myself and my children passport, social security cards, my children birth certificates, my degree among other documents that I had left in the car, then I see that the car was not in the lot. I first call my local XXXX to see if they will have any information of the where about of my vehicle but they did not have any information. I asked around but no one had any information on my vehicle. On XXXX/XXXX/15 I received a certify mail from TD XXXX date XXXX/XXXX/15 and was postmark with the same date. After verification the letter was first scanned at the usps facility on XXXX/XXXX/15. The letter stated that my car was repossessed by TD auto finance, it also state that my vehicle will be offered for sale at a private sale beginning on XXXX/XXXX/15 and from day to day thereafter until it is sold. The letter also advise the amount of money I owed. TD auto has violated several of NY State law when repossessing a vehicle. I was never informed within 24 hours after my vehicle was repossess by TD as required by NY law, also TD never inform we of where my vehicle is or provide me with information as to how I can get my personal belongings that were in my vehicle. Also TD auto never advise me my phone,, text, email or mail the date, time or location of sale of my vehicle. According to New York State Law After Your Property is Repossessed1.The secured party ( the seller or lender ) may sell your property by public auction or private sale. Such sale must be reasonable in terms of the method, manner, time, place and terms.
2.You have the right to be notified of the time and place of a public sale and/or of the time after which a private sale you goods will be made.
3.If you have paid the seller sixty percent ( 60 % ) of the cash price for the goods he/she repossesses, or 60 % of your loan from a lender, the seller or lender must sell your repossessed goods within 90 days. If you have paid less than 60 % of the amounts due, the creditor does not have to sell the goods and he/she can keep both the goods and your money. When your creditor sells your repossessed goods, the money he/she receives goes first to his/her expenses from repossessing and selling the goods, then to satisfaction of the debt. If there is any money remaining, you will receive it. If your creditor did not receive enough money from the sale, he/she may sue you to make up the difference. 4.Until the creditor sells the goods, you have the right to pay all of your debt plus the creditor 's expenses in repossessing and preparing to sell the goods ( including reasonable legal expenses ). The creditor must then return the goods to you. Motor Vehicles and Motorcycles New York law requires a creditor who repossesses your motor vehicle or motorcycle to notify you personally, or by special delivery first class mail, within XXXX hours of such repossession. Such notice must also be given to the nearest motor vehicle district office and must include the name and address of the person, firm, or corporation repossessing the vehicle. If your motor vehicle or motorcycle is being held under a lien for repairs or storage, the holder of the vehicle must return to you any registration plates for such vehicle upon your request within 24 hours. If the creditor fails to do this, he/she must personally deliver or mail by special delivery first class mail, a notice of such holding and the number plates of such motor vehicle or motorcycle to the nearest motor vehicle office.
TD Auto finance deliberately disregard the NY State law and illegally repossess my vehicle. They also violate federal law by reporting this illegal repossession on my credit report.
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| 11/15/2015 |
Yes |
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- Credit card protection / Debt protection
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Web |
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On XXXX XXXX, 2015, I made an online purchase for a professional exam review course from what appeared to be a reputable website ( XXXX logo was displayed ). Instead of the review course, I received used and outdated books, and merchant was slow to respond. I disputed the charge with my credit card company, TD Bank. The disputed charge was not reversed. After repeated calls, TD Bank told me I would need to fill out a dispute form, which they would send via USPS mail service. It took several weeks - and multiple phone calls to TD Bank - before the dispute form arrived.
Meanwhile, I continued attempts to work with the merchant, and on XXXX XXXX, 2015, the merchant stated in an email, " I instructed our Finance department to put the refund through. It usually takes 4-5 business days to process and show on your account. '' TD Bank was provided with a copy the email communication from the merchant. Still the charge was not reversed. TD Bank billed a late fee to my account while the dispute was pending. After another hour on the phone, the bank agreed to reverse the fee.
Meanwhile, on XXXX XXXX, multiple fraudulent charges appeared on my TD Bank credit card account. I strongly suspect the scammer-merchant sold my account information. I called TD Bank immediately. TD Bank did not advise me to file a police report, nor did the bank advise me about placing a fraud alert on my account with the credit bureaus. Fortunately, a XXXX search did. I filed police reports with both my local police and police in the state where the charges were made. I also initiated a fraud alert with the credit bureaus. TD Bank took over a week to reverse the fraudulent charges.
On XXXX XXXX, 2015, I filed a complaint with the Consumer Finance Protection Bureau ( Case # XXXX ). TD Bank responded by posting a credit to my account for {$1600.00}, the amount of the initial merchant charge. The bank 's response did not mention this was a " conditional '' credit.
On XXXX XXXX, 2015, I received a letter from TD Bank which included the following " chargeback response '' from the merchant : " We have not received the books back. Therefore, we have not processed the refund. Customer needs to return the books. '' The merchant had not acknowledged prior requests for return merchandise authorization ( RMA ) or provided an address to which the materials could be returned.
On XXXX XXXX, 2015, I mailed all materials back to the merchant at the address provided in TD Bank 's letter ( USPS Tracking No. XXXX ). I faxed ( on XXXX ) and mailed ( on XXXX ) a response to TD Bank, which included a copy of the USPS receipt as evidence that the materials had been returned to the merchant. The merchant accepted delivery of the materials on XXXX XXXX, 2015. TD Bank did not finalize the credit.
TD Bank re-charged my account for the full amount of {$1600.00} on XXXX XXXX, 2015. A TD Bank representative told me, on XXXX XXXX, that the merchant alleged a check had been sent to refund the charge, the bank had closed the dispute, and I would need to make any further dispute directly with the merchant. I have not received a check for {$1600.00} from the merchant. I will not accept a check from the merchant, as I would then have no protection should the check turn out to be a " bad check. '' I expect the refund to be processed back to my TD Bank credit card, in the same manner the initial charge was made.
TD Bank has not provided useful advice and has not protected me. It has undermined the consumer protection supposedly afforded by using a credit card, abandoning my dispute, choosing to accept false statements made by the merchant without proof or evidence. It has advised me to settle with the merchant, to my loss. My confidence in TD Bank has been seriously eroded by its handling of these events. I am very disturbed about the level of service provided by this bank.
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| 04/25/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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I am resubmitting my complaint against TD Bank NA for non-compliance and no lien release of my XXXX XXXX XXXX. The loan was paid off in XXXX in full minus late fees. At this time, as of XX/XX/XXXX, I was told to email title with request to receive a lien release. At that time I received the lien release, which was notarized, but all information was incorrect. I was told to resend it for correct info, but when I received the 2nd lien release, which was notarized and the information was still incorrect misspelling my name again. Both lien releases had the correct VIN #, incorrect name of the car along with my name still misspelled. It was spelled as XXXX and not XXXX. The letterhead also had a non-working telephone number so I was unable to contact them. I have been playing phone tag with the bank after the last lien release to correct this issue with no satisfaction. When I finally got through I was told I would receive the corrected lien release within 3-5 business days. The 5th business day came and went without lien release. I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Customer Experience Advocat ) to assist with this issue. XXXX requested that I email the 2 lien releases with the car title. Firstly, she gave me the incorrect email address. She contacted me on Monday XX/XX/XXXX by phone after I left her 3 messages on her voice mail prior. XXXX was to send me an email confirming receipt of information. Again she contacted me with her correct email address which was different from the one she originally gave me stating she never received my email. She stated to me that there is no record on my file/loan that these letters were ever sent. At that point I re-emailed the 2 lien release letters & title to the correct email address to which she replied confirming receipt and that she would contact me after it was reviewed and investigated. 2 days later we received an email from you Consumerfinance.gov stating that the complaint was closed whereas XXXX stated she never received my information that I emailed her. This is untrue since I am I possession of this email and will upload it with this complaint. I am tired of being jerked around by this bank. If I was told from day one to pay for the late charges I would have done so but if the late charges were part of my loans why was not by automobile repossessed as part of loan. It is 5 years later I still am in possession of the car with no threats of repossession. These lien releases were notarized by TD Bank XXXX XXXX. The car is to be donated to XXXX XXXX XXXX and I am paying insurance on this car for which I should not be paying. At this time I am paying more insurance and I am unable to donate it since TD Bank NA is unresponsive. When discussing this matter on the phone with the bank, they explained that in order to send a lien release late charges must be paid. At that time I explained that I already had these lien releases and why did they not appear on my account. Now at this time, between all this frustration, stress, and aggravation I dont feel I should have to pay these late fees as this was ever explained or correspondence sent regarding this issue. Who will reimburse me for the increased auto insurance? Where I live XXXX XXXX XXXX I am unable to leave my car parked without plates. This bank is leaving me no opportunity of reparations. At this time I am ready to contact my attorney to resolve this situation. Through some research this bank has multiple complaints against them. In closing, I would appreciate the commissions help in assisting with this egregious situation and not allowing the corporation hurting the little people. I am requesting my lien release be sent as soon as possible. Again I will contact council to go further. I need your help with teaching this bank a lesson in professionalism and humility for which they have neither.
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| 12/24/2015 |
Yes |
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Web |
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ON XXXX XXXX I went into a local branch to make a payment so it would be credited quicker.I was advised by the banker that the best way to get this done would be to make a payment through the internet on their website as I have always done. Nothing has changed and I used the same bank I always do. I was advised when calling customer service it could take up to XXXX hours and in addition this was part of their disclosures. I had to make this payment quickly but thinking this would be good on Friday the XXXX at latest I was fine with this. I have a contract with XXXX XXXX as we own a franchise that requires payment be made promptly. If not they have the right to take our franchise away. At the very least it would be a professional embarrassment. XXXX XXXX XXXX the check was cleared and the money removed from the bank I do business with. XXXX XXXX XXXX XXXX to have this charged and was denied. I quickly checked my balance which showed a hold on the account even though the money was taken from my account. I called customer service was advised the calls could be recorded or monitored which is totally fine with me. I spoke to several customer service personnel, including ( after numerous request and lack of customer service XXXX Customer service supervisors and purportedly management. I expressed my frustration requested a call back from corporate and needed an immediate remedy to this issue. I spoke to a XXXX at XXXX and was told she is the customer service manager. I faxed her proof at XXXX PM of the check clearing my account, and proof that I had more than sufficient cash flow and balances to take care of any issues. It was only a {$1000.00}, but I needed the availability. I was also told by TD Bank that if I had a bank account with them they could lift this hold. THIS IS LIKE BLACKMAIL IN THAT THEY WOULD ALLOW IF IT WERE THEIR BANK AND UNILATERALLY DISALLOW A VALID CLEARED CHECK NOT TO BE CREDITED. i WOULD THINK THIS IS A XXXX BANK VIOLATION YET THEY HIDE BEHIND THE FACT THAT THE XXXX GIVES THEM THE RIGHT TO HOLD MY MONEY UP TO EIGHT BUSINESS DAYS. The customer service manager XXXX assured me she had the authority to have this cleared earlier once she verified the funds were clear. SHE never did as on the XXXX I was again informed that it shows on their records that it was credited yet nowhere no how was the merchant XXXX XXXX Corporate able to get this through. My money was taken, cleared and never credited. If they do this to all their clients or have the ability it could amount to millions of dollars which they use, it could result in bullying the public or compelling them to open up bank accounts with TD Bank, worse such as myself it will cause tremendous embarrassment, loss of a business relationship or horrible consequences such as I have been placed into as a result of their unethical procedures.
I have kept detailed logs as to who I have talked with. I attempted to have this escalated and all I have been told after calling back and speaking to another XXXX was that no one else was available and it is BEING ADDRESSED. This is improper and to be quite honest I was told the hold was until the XXXX XXXX. Now I am being told that the manager XXXX had to leave on a family manager that Tierra ( number XXXX XXXX the alternate manager could do nothing further and that XXXX did everything she should. I did not receive a courtesy call and I was the one who had to reach out. I asked if there was anything I did wrong or could do differently and was told that TD Bank at anytime BY RANDOM CHOICE could restrict credit from a payment ( even if it cleared ) and there was no way to prevent this. I have been given wrongful advice by customer service, branches, management and personnel. I would immediately close my business with them but by eliminating available credit it will damage my credit scores and further damage me.
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| 01/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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Back in XXXX of XXXX we contacted our bank to ask them to defer the payments for our corporation 's installment loan and they agreed to do so for 6 ( six ) months. As a result, we were not required to make any payments for XX/XX/XXXX through XX/XX/XXXX and we resumed making our payments in XX/XX/XXXX, as per our Covid-19 Relief Agreement.
Our statements received during the deferral period indicated on them that no payment was due at that time. Our XX/XX/XXXX statement indicated that we had to pay the normal monthly payment by the due date of XX/XX/XXXX ( which we did XXXX but never showed any additional amounts to be due. Neither did our XX/XX/XXXX or XX/XX/XXXX statements, all of which were paid on time by their due dates We even have our XX/XX/XXXX statement, which is due by XX/XX/XXXX and it does not show any additional amounts due.
However, beginning on XX/XX/XXXX we started to receive notices that were marked as past due amounts. The first notice we received was marked with a " bill date '' of XX/XX/XXXX with a " due date '' of XX/XX/XXXX. On that same date we also received another notice with a " bill date '' of XX/XX/XXXX and a " due date '' of XX/XX/XXXX.
Then, on XX/XX/XXXX we received 2 more separate notices. One had a " bill date '' of XX/XX/XXXX and a " due date '' of XX/XX/XXXX and one had a " bill date '' of XX/XX/XXXX and a " due date '' of XX/XX/XXXX. XXXX, on XX/XX/XXXX we received our regular bill for XXXX 's payment with a " bill date '' on XX/XX/XXXX and a " due date '' of XX/XX/XXXX ( which is correct ) however, NONE of our regular bills for our payments due starting back up in XXXX of XXXX ever indicated that we ALSO owed any additional fees/interest.
Now, we KNEW we would possibly owe extra interest but our agreement stated that, if we did, they would bill us for any additional amounts due over the next 12 months.
As you can see from our submitted documents, we were NEVER billed ANY additional amounts until XX/XX/XXXX when we started to receive these additional bills ALL AT ONE TIME, NOT over a 12 month time frame.
Upon receipt of these additional bills and not understanding exactly why they were all billed at one time, we contacted the bank and they began to try to get to the bottom of this.
As of today, XX/XX/XXXX, we received an email back from the bank manager and she told us that the contacts she spoke with were not going to spread these payments out and that THEIR computer showed that they HAD been billing us since XXXX, which they clearly had not. They are DEMANDING that we not only make our regular payment this month but also ALL of the additional deferred interest payments NOW, which is not right. If they had provided us with these additional bills back in XXXX, we would have paid them each month along with our regular payments. However, in light of the fact that we are STILL in the middle of a pandemic and our " live events '' industry is STILL basically dead, we feel that they are being unfair and untruthful about the billing techniques they used. Their own paperwork shows that they failed to bill us for each month DURING that particular month and they they billed us for ALL of it in a matter of just three ( 3 ) days.
We would like to request your help in getting them to simply adjust the due dates of these deferred interest payments so that they are not all due NOW, at one time. We feel that only one ( 1 ) payment should be due in XXXX XXXX the month they started to bill us ) and then each month another one, along with our regular payment. Or, if possible, completely REMOVE these additional amounts simply because of the fact that they went about this in the wrong way and have caused undue stress and hardship.
Never have we seen anyone DEMAND 4 months worth of bills of any sort all at one time when the bank is the one that issued these bills apparently late.
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| 06/09/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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|
Web |
Servicemember |
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Hi, TD BANK fraudulently charged {$200.00} NSF fees when I had enough money in my account to cover debits. I had a balance of credit - {$220.00}, I had a debit come in for {$220.00}. Td bank held the debit until another item came in to purposely have my account overdraw with not enough funds to pay the big debit of {$220.00}. This is illegal. They are trying to use the excessive overdraft fees to finance their bank and profit. ( PLEASE SEE MY BANK STATEMENT BELOW OF PROOF OF ABUSE OF EXCESSIVELY CHARGING OVERDRAFT FEES BELOW, WHEN I HAD ALOT OF CREDITS THAT WOULD HAVE COVERED MY DEBITS, BUT THEY KEEP OVERDRAFTING MY ACCOUNT WITH THEIR FEES. ). Td bank overdrew my account and broke the law under the Fair Debtors and Creditors act and the Privacy Act. AND, THEY KEEP CHANGING THEIR POLICY DAILY WITHOUT INFORMING CUSTOMERS. FIRST THEY SAID THAT I WOULD N'T BE CHARGED AN NSF FEE BECAUSE I ELECTED TO NOT HAVE ANY DEBITS IF THERE ARE NO FUNDS IN MY ACCOUNT. NOW THEIR LIEING AND SAYING THAT THEY NEVER SAID THAT ). NOW THEIR SAYING EVEN IF THEY RETURN AN ITEM BECAUSE I ELECTED THEM NOT TO PAY IT, THEY STILL CHARGING ME {$35.00} FOR EACH ITEM. THIS IS EXCESSIVE ABUSE AND MANIPULATION OF A CUSTOMERS ACCOUNT. ). They purposely held pending transactions that the merchant had already sent through. Meaning they held pending transactions for 5 days to the Monday morning processing ( AND ITS NOT SUPPOSED TO BE PROCESSED TO MONDAY NIGHT ) so that my account would incur NSF fees totaling {$200.00} which far exceed the amount of the total of my transactions which totaled, This is excessive behavior and abuse of power. They are lying and severely breaking the law. They are just trying to profit from the consumers with the lowest monies in their accounts to utilize - that money that they generate from NSF fees - to pay out to their customers with big business and big money. What they 're doing is fraud and illegal. They 're commingling funds and manipulating their currency to accumulate a substantial amount of money through NSF fees. A reasonable person under the same and similar circumstances would agree with me. You should also contact their Executive department because their regulation department will not inform their executive office of their wrongdoing because they know that they would be fired if your Executive department found out this information of their wrongdoing. I 'd like a refund of all of my NSF fees totaling {$600.00} since I opened the account due to their fraudulent activity and their disobedience of the law under the Federal Trade Commission.
SEE BELOW PROOF - TD BANK Description Debit Credit XXXX/XXXX/2016 CREDIT ONEMAINFINANCIAL LOAN PAYMT {$220.00} XXXX/XXXX/2016 FEE OVERDRAFT RET View Details XXXX ; Go paper free and get notices online only XXXX Setup balance alerts {$35.00} XXXX/XXXX/2016 DIRECTDEBIT XXXX PAYMENT {$30.00} XXXX/XXXX/2016 DIRECTDEBIT XXXX LOAN PAYMT {$220.00} XXXX/XXXX/2016 DIRECTDEBIT XXXX {$25.00} XXXX/XXXX/2016 CREDIT ATM CASH DEPOSIT XXXX XXXX XXXX XXXX XXXX * XXXX {$20.00} XXXX/XXXX/2016 DEBIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$10.00} XXXX/XXXX/2016 DEBIT CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$25.00} XXXX/XXXX/2016 FEE MAINTENANCE FEE {$5.00} XXXX/XXXX/2016 DEBIT DEBIT {$77.00} XXXX/XXXX/2016 DEBIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$10.00} XXXX/XXXX/2016 CREDIT XXXX PAYMENT {$25.00} XXXX/XXXX/2016 FEE OVERDRAFT RET View Details {$35.00} XXXX/XXXX/2016 CREDIT XXXX ACH PMT {$59.00} XXXX/XXXX/2016 CREDIT ATM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$20.00} XXXX/XXXX/2016 CREDIT ATM CASH DEPOSIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$320.00} XXXX/XXXX/2016 DIRECTDEBIT XXXX PAYMENT {$25.00} XXXX/XXXX/2016 CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$73.00} XXXX/XXXX/2016 DIRECTDEP XXXX
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| 11/14/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I initially went to TD Bank to take out money a the ATM at XXXX XXXX XXXX XXXX XXXX, XXXX DC XXXX location on XX/XX/. On the day before XXXX the atm ate my debit card, it initially said XXXX as if it was working, then proceeded to take my card and the screen went black. I figured it was working because the gentlemen in front of me used it with no issues. On XXXX, I was pretty frustrated because I had to go back to the bank to see why the atm did not give me my debit card back. I was patiently waiting in line to be seen. I asked the person working the front desk could I get a new debit card, he told me to sit and wait. I asked the person working why would I need to sit down to get another debit card when TD bank gives debit cards right then and there and I already have an account, so there would have been no need for me to sit down and wait for employee/manager. At this point, I am frustrated because of the inconvenience. Now, once i did not take a seat, I was greeted by a XXXX XXXX who claims to be the manager at this location. XXXX has no idea who i am or what my account was opened for, but she asked me to sit down and i did angrily. There were two employees at the front desk and one employee helping a customer at the are where they open up new accounts. As i am taking a seat XXXX leaves the building and does not return to help me or any other customers or her employees who may have needed assistance. By now, I am completely frustrated and belligerent because a 5-15 min task of getting me a new debit card has now taken 30 mins to an hour and i still left without getting a new card. XXXXXXXX XXXX left the building, they called the police on me and the police asked me to leave as i did. I am filing this complaint against XXXX XXXX for discriminating against someone who is diagnosed with a XXXX XXXX, my account was opened for my son to receive SSI and according to the Americans with Disabilities Act ( ADA ) I do not have to disclose me or my sons XXXX to her or in this complaint. I feel as though i was treated poorly and worse than others because of my XXXX XXXX and even if she does not know I have one she should be able to handle a situation respectfully without suspending someone's account on XXXX basis, because i was frustrated with the inconvenience of this supposed convenient bank. I tried to get a new debit card which i did, went to use it and was unable to because my account was suspended. I would take the necessary actions to sue XXXX XXXX in the case that i do have a XXXX XXXX and if i do not take my medication before an instance like this occurs i can not control my emotions, or can to a certain extent or until i do get my medication. Now, i will have the inconvenience of waiting to open another account with TD bank while all of my son 's checks get bounced back to Social security. I would like for XXXX XXXX to take a class/training on how to deal with customers who have mental disabilities because this will be a recurring thing for others like myself and my XXXX XXXX XXXX son. Instead of her closing the account she could have asked me to call customer service and they would send me another one which the police officer recommended. There are a lot of different solutions she could have taken other than suspending my account. She needs customer service training with all types of people because there are millions of people like me and my son who live with disability everyday and try to be normal class people. I appreciate whomever reads this note with an unbiased opinion because I will take action to sue if my account remains suspended for no noted reason, as well as will contact the XXXX XXXX XXXX and leave a complaint there as well. I could have went to any other branch to get my issue resolved without my account being suspended, just goes to show who will kick you when you are already down.
|
| 09/27/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
Servicemember |
|
Dear Sir or Madam : I am responding to my discovery of how TD Bank USA/TargetCred has negligently and negatively impacted my good credit.
On or about XX/XX/XXXX TD Bank USA/TargetCred reduced my credit limit claiming I had too many inquiries on my account, *WHICH IS INCORRECT, and that my account had been dormant. The TargetCred representatives and supervisors indicated they reduced my {$1500.00} credit limit to {$500.00}. What a JOKE and DIS-SERVICE to good credit worthy consumers, such as myself. They stated they obtained this information from XXXX. TD Bank USA/TargetCred is conducting unfair and harmful practices to consumers. Here are the facts : 1 ) I was never notified, encouraged, or even threatened by TD Bank USA/TargetCred that my account activity was considered dormant and/or at risk of its credit being reduced. Nor was I ever informed to increase use of my account ; 2 ) TD Bank USA/TargetCred representatives indicated I had too many recent inquiries. *What a JOKE *I only had two credit inquiry in the past 5 years, outside of TD Bank/Target. They were, in fact, the very last ones who had checked my credit history, prior to issuing me credit with them back XX/XX/XXXX. Bizarre.???
The problem and huge DIS-SERVICE this does to credit worthy and responsible consumers, such as myself, is it harms US, has negative impact and consequences on us. When companies such as TD Bank USA/TargetCred do not inform its customers, reduce their credit, this causes a potential increase in credit usage, and messes up our good credit profile. Shame on TD Bank USA/TargetCred!
For the last 8 years, I do not carry over a 3-5 % balance on my credit cards. I pay them off. It wasnt until I was notified by XXXX that my credit usage had significantly increased to 21.60 % due to this reduction change in my credit, unknown to me.
Good thing I was not attempting to conduct financial business. This unknown negative information could have significantly affected me receiving fair and just credit services.
I have maintained an excellent payment history for the past 8 years, and I maintain a very low-to No balance on my credit cards. This is my normal. I maintain a great paying history. I have very few credit inquiries in the past 5 years. All of this has been repeatedly reported on all of the three major credit bureaus ( XXXX XXXX XXXX and XXXX ).
According to the FCRA, credit inquiries resulting in denial of credit based off of false or inaccurate information obtain by a potential creditor/lender are to be removed immediately. Furthermore, it is well established that hard inquiries resulting in denial of credit based off of incorrect/inaccurate information further damages the consumers credit profile. Not good! Not fair!
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Again, I have asked both XXXX and TD Bank USA/TargetCred to IMMEDIATELY REMOVE THE DEROGATORY INFORMATION ( XXXX hard inquiry ), because it is based off false and misleading information, and to send me written confirmation that they have complied with the law. Failure to do so will act as evidence of infringement upon my legal rights as a consumer. The games that large corporations play to hurt the rights of consumers further weakens the integrity of our consumer fair credit reporting system.
Please do your part to enforce this deceptive loop hole in the system, and demand that these two entities, XXXX and TD Bank USA/TargetCred delete inaccurate information.
Thank you for your prompt attention to this matter.
Cordially, XXXX XXXX XXXX XXXX.
Cc : XXXX, XXXX. XXXX XXXX, XXXX, TX XXXX
|
| 01/30/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I rec 'd an Escrow Analysis Statement from TD Bank in XXXX XXXX which stated : Escrow shortage of {$130.00} and gave me XXXX choices ; # 1 ) pay the shtg. and new monthly pmt. will be {$360.00} ; # 2 ) do n't pay shtg. and new monthly pmt. of {$370.00}. Since I 'm on a restricted budget, I chose to make my XXXX XXXX pmt. of {$360.00} and wrote a note on my check as well as on my pmt. stub that I would pay the escrow shtg. in XXXX along with my XXXX pmt. Evidently, no one pays attention to notes written in red on either checks or pmt. stubs and this theory was confirmed by a TD Bank XXXX XXXX. rep. who later told me that " they do n't look at those types of things! '' So, due to the {$11.00} shtg in my XXXX. pmt., my pmt. was considered delinquent/unpaid!
I began receiving Past Due statements and called the XXXX. Dept. I was made aware of the problem and told them I would make a pmt. to correct it. I was told to pay {$11.00} for the shtg. and {$7.00} late fee = {$18.00}.
On XXXX I went to TD Bank 's XXXX XXXX/Cust. Serv. Rep. with ( XXXX ) cks., explained the situation and asked him to make sure these cks. were posted properly : # 1 ) ck. # XXXX = {$18.00} " to complete XXXX '' + late fee ( {$11.00} + {$7.00} ) # 2 ) ck. # XXXX = {$370.00} for XXXX pmt.
**I have receipts for both of these pmts.
I continued receiving Past Due statements and called again on XXXX, this time speaking with XXXX XXXX/Coll. Dept. " Team Leader '' who told me their records show I did not make a pmt. for XXXX but they did show a pmt. on XXXX for # XXXX ( which was my XXXX. pmt. ) but none for {$18.00}. He gave me information needed to fax him copies of my receipts which I did on XXXX/XXXX/XXXX. He was to call me when he rec 'd my fax but I never heard back from him again!
I continued getting Past Due notices and called again, this time speaking with XXXX XXXX who also said no record of pmts. made on XXXX. He said he would contact XXXX XXXX and get back with me. Called me back on XXXX/XXXX/XXXX after speaking with XXXX who told him " I never rec 'd a fax and furthermore, I never even spoke to her ''!! They were supposed to contact me again but neither of them did. I told XXXX XXXX that I will not be making any further mortgage pmts. until this matter is resolved. He noted it on my acct.
I have made numerous phone calls prior and since then without resolution.
On XXXX as a desperate attempt, I went to XXXX Bank to speak with an officer there regarding this situation and to see if I could possibly change my mortgage over to their bank without too much cost. It will be impossible for me to do so but the person there made an attempt to help me by making numerous phone calls to TD Bank Coll. Dept., all on speaker phone. The first person denied any such acct. # and I also did n't exist even using my SS #! We finally reached a person in the XXXX/TD Bank Loan Dept. ( this mtg. was originally a XXXX loan which was bought out by TD Bank ). She told me that my outstanding balance a/o XXXX was {$770.00} ( 2 months ) and gave us another fax #. The following day I went to the TD branch and we attempted to fax the info. without success ... 4 times! I called her # and was told that they did n't know who she was or what her fax # was or what dept. I needed! ( I have the fax confirmations for those attempts ).
Two days later, I rec 'd a statement from TD in the amount of {$1600.00}! I have gotten statements similar to this in the past and when I called them to inquire have been told to " just disregard the statement ''!
What if I did n't call and just made the pmt.? Where would the $ go?
Something is definitely wrong at this bank and I feel that they need to be investigated thoroughly by an outside agency. Hopefully, you 're the one that can help me!
I am holding my XXXX, XXXX pmt. until this matter is resolved!
Thank you for your help!
|
| 04/08/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I am a victim of a check fraud scam. As part of what I thought was a new job, I was asked to deposit an " Official Bank Check '' into my own account and told it would clear overnight. I was instructed to send the funds via XXXX XXXX for a Charity Event. I depended on my bank to inform me if there was any problem with the check, they did not. When I went to withdraw the funds the teller apologized and said the check had not cleared and she could not give me the money. I explained I was happy to return when the check had cleared as this was for a new, freelance client and I wanted to be sure that check had cleared. Again, depending on the guidance and expertise of my bank to assure me of this. Unsolicited by me, at this time XXXX ( XXXX XXXX ) XXXX, Financial Services Representative came over and said, " I know you and this is OK ''. I again replied that the check was from a new employer and I needed to make sure the funds were fully cleared, I pointed out there were not enough funds in my own account to hold the check against. His reply was that yes it was cleared and all was fine. I repeated to him that I needed to make absolutely certain that the funds were available from that deposited check. He again said, " It is ok ''. Assuredly I followed through with the task and sent the money as instructed via XXXX XXXX. My alleged boss informed me the days following that he needed more funds sent for the event. When another check arrived it was from a different lender in a different state. I then felt this was out of the ordinary and asked my employer if I 'd be executing any other types of tasks? When he did not respond to me at all I called the bank that alleged to have sent me the new check and they confirmed the check was fraudulent just by it 's description. I was relieved I had discovered this early on and called TD Bank to alert them immediately that my account may have been compromised, still believing the first check was in fact real since TD said it had cleared. I thought perhaps I was a victim of a bait and switch type scam at this point. To my dismay this is when the misinformation, avoidance and condescending treatment began from TD Bank. I called and asked a manager to please return my call, no one called. I called the XXXX number and asked to be connected to a supervisor or their fraud department, left messages and no one called me back. I went to the bank and was shocked and blindsided to learn that they were holding me 100 % liable for the funds. I asked to speak with XXXX as he told me that check cleared. I was further shocked to learn that XXXX no longer worked there and they told me his last day was the day he approved my withdrawal, which I found incredibly suspicious. I then filed an investigation and filed reports with the XXXX, XXXX XXXX, XXXX and the FTC. Once I finally received paperwork from the bank ( which their employee was not forthcoming that I would need this paperwork when I said I 'd be filing a police report ) I filed a police report and provided it to the bank. To my dismay they said they would now file an incident report which I was told was already done when I had initially reported this incident to the bank. My account of this incident goes on for a month of back and forth constant communication and efforts on MY part, my part alone as the bank stalls, does not provide me information and is rude and condescending all along. They also informed me if I wanted to close the account I 'd have to reconcile it first, in cash. If XXXX had not interjected himself I would have thanked the teller and returned another day to eventually learn that the check was fraudulent ( I received a letter the following Monday stating the check was in fact being held as it did not clear ). I was unaware that TD Bank would override this system of checks and balances and authorize the check anyway?
|
| 07/17/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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I had just moved to XXXX, and was looking for a bank in the area. I googled online for for banks in the area, and ran across TD bank in XXXX, SC, that was offering a promotion as follows : " Earn {$200.00} when you deposit XXXX or more in new money within 20 days then maintain a balance of at least XXXX for 90 days from the date the deposit requirements were initially met " I went into the branch located at XXXX XXXX XXXX., in XXXX, SC, on XXXX XXXX, 2023, and met with XXXX, who was the gentleman who helped me set up and open my accounts, I explained I wanted to take advantage of the promotion, and he proceeded to explain the offer, along with the best banking plan, options, ect., that would work best for me. He explained to me that this was an online promo, which I did not know prior to coming into the branch, but said he could set it up with me in his office, and then send it through to the promotion dept. I opened a simple savings account and deposited XXXX, along with a checking acct. I spoke with XXXX later that week with some general questions about my accts, and also about the promo, and he assured me that everything was in place. In late XXXX of 2023, I moved back to XXXX Va, where there are no TD branches near me ; the closest branch in XXXX Va., which is over 3 hrs away. I call the banks customer service number, to let them know that I would need to close my account due to my move. As she was going over that procedure, I asked her when my {$200.00} promo credit would be deposited into my acct., since It had been past the 90 day requirement, in which the cust svc. repXXXX confirmed I had kept my savings acct balnce over XXXX for 90 Days, but the bank had until XX/XX/2023, to actually deposit the funds ; although I don't remember going over that detail with XXXX, when we over the promo details, It was in the fine print..lol I agreed to keep my accounts open for 2 more months to get my {$200.00} credit. The credit was not deposited on XX/XX/XXXX, as I was told per my call in XXXX. I called back to the cust. svc dept. on XX/XX/XXXX, and was told by that rep, that she did not know why it had not have been deposited, and would need to send my inquiry for research to their promo team and promised that someone from that dept. would call me back within 48 hrs., which is their Company Policy. Never received a callback ... .I called back the next week, spoke to another cust rep, who said she did not know why it had not been credited, and again confirmed that I had met the requirement, and again would need to have someone form their promo dept call me back within 48 hrs... again no one ever called me back. At this point, the atm fees I have lost, due to holding this acct open and needing to withdraw money, since XXXX, when I initially called to close my acct, are astronomical! I have made a total of 25 calls since XXXX, each time promised a 48 hr call back, this I confirmed with the cust svc. dept, and each and every call is recorded, and may legally requested if needed. In addition to my calls directly to the XXXX XXXX. XXXX, Ive made several calls into the XXXX XXXX, where I opened the account, to speak with XXXX, left messages for him to call me back, to no avail. On my last attempt to get some answers, resolve this matter, be compensated for what I signed up for and close this account, was on XX/XX/XXXX, when I demanded at this point to be transferred to a manager, I spoke with XXXX XXXX, who is the branch manager at the XXXX location. XXXX said she would need to do some research on the matter and get back with me... .I have no faith in that promise, as I have been dealing with this since XXXX, and about to take legal action if need be. I have attached an email that I sent to XXXX, which I have not heard back from at the time of this complaint, along with some other documents for review. Thank you
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| 10/05/2015 |
Yes |
- Bank account or service
- Savings account
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- Account opening, closing, or management
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Web |
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I have a " relationship savings '' account with TD Bank. Because this savings account has a " relationship '' with my " relationship checking '' account, I am entitled to a certain rate of interest. XX/XX/XXXX about 10 months after the accounts ' set-up, I was fed up with the ridiculously low interest rate of this " special '' account and I went on-line to look at other accounts. I discovered that I had been receiving an interest rate of only about XXXX of what it should have been. I notified my TD branch in XXXX MA, and they discovered that my relationship accts had not been set up properly ; so they linked my accounts and gave me my retro-active interest. After that, I began to compare my monthly statement 's stated interest rate with the TD Website 's stated rate. My XX/XX/XXXX statement showed my interest as less than XXXX of what it should have been. I contacted TD and it appeared that my savings acct had been de-linked from the checking acct. This was fixed, but only after a great effort on my part. The XXXX number follow-up never occurred and I had to contact the manager of my local branch. The next statement still had a higher, but still wrong, interest rate and did not reimburse me what I was owed. On the next statement XXXX XXXX ), the interest rate was correct and I recieved {$20.00} which included my retro-interest plus a small bonus that I insisted on, not only for my trouble, but also to penalize TD. I emphasized my concern that many other people may be suffering from this same problem without knowing it. On the XX/XX/XXXX statement, my interest rate was close to XXXX lower than it should have been. The local branch manager gave me a credit that was about XXXX cents more than I was owed, as a bonus. My XXXX statement also had the wrong rate. It took some time to figure the cause of this error ; there were a few theories, but in the end, it was simply the same problem that my relationship savings account somehow got de-linked from my relationship checking account. This time I went higher in TD 's hierarchy to a XXXX Manager in XXXX XXXX XXXX XXXX, XXXX ) and recieved retro-interest that was a bit more than what I was owed, and I recieved a {$25.00} apology amount. XXXX XXXX also apologized profusely by phone and promised to launch an investigation. I told him that I was on the verge of contacting the government because I was so concerned about other unknowing victims. My dealings with him were XX/XX/XXXX and my XXXX statement was correct and contained the money he promised me. I just recieved my XXXX statement and again, my savings interest appears less than it should be ; it is .37 % ; which is less than the .4 % which has been the stable rate for many months. I can not confirm this because my type of account no longer appears on the website, but in this economic climate, I can not imagine that the interest rate, in fact, decreased. Yesterday, XXXX XXXX XXXX, I emailed my branch manager and left a voicemail for XXXX XXXX. No replies as of now. Even if this month I prove to be wrong, which I can not imagine, I would like your office to investigate TD regarding the proven problems which I have described here. I am very, very concerned about other people recieving less interest than what they are entitled to. I wanted to file a complaint sooner but have very limited bandwith and could not find the time and energy. Until now. I can follow up with TD each time this happens to me until I am fed up enough to close my account, which is a time fast approaching. However, the population needs to be protected. Even if TD 's errors are accidental, TD must be forced to fix its problems. I do not believe that I could be the only victim of such errors. I do believe that most people would not be aware of such errors and/or would not be able to resolve them on their own. Thank you so very much.
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| 08/28/2016 |
Yes |
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Web |
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I got a target credit card approval while checking out of a Target store XX/XX/2015. My first bill was {$110.00} which I used the phone payment plan to pay in full on XXXX XXXX, 2015. I did not hear a thing until the next month when they sent me a bill with an additional fee attached. I called and spoke directly with a person calling herself XXXX who told me that the bank refused the payment due to incorrect account number being submitted by the company. It appeared they left out a single zero. I corrected the checking account number error with XXXX who repeated it back to me correctly. I authorized the payment again over the phone. I checked my back account and sure enough the amount I just authorized to be paid to Target was pending on my account.
Figuring a mistake is a mistake I charged another {$100.00} on the target card. This time I paid on-line, and my payment appeared to be accepted. However the next month I was changed a late fee again and again my payment had been decline due to inaccurate bank account submission. I typed the account number in myself and it was correct.
I have been charged well over the total amount of my charges for late fees all of which various representatives claimed to have removed. I called and spent a great deal of time of the phone with yet another representative I had and still have names of employees, their ID numbers, dates and even payment confirmation numbers. I walked painfully through my practices which included submitting paper checks after payments by phone, I even have letters from my financial institution verifying each time a payment was declined the amount was in my account however was not released because TARGET submitted the wrong number.
Please realize that I have a debit card with target that is directly connected to this same account. I had made payments by paper check that indeed when through, I had corrected my account information with XXXX employees. I walked through the math with the last person I spoke to according to both our math I should have had a credit.
While speaking with the last Target employee I asked my credit card account be closed I have submitted the same request in writing.
The last employee I was on the phone XX/XX/XXXX my dispute would have to be reviewed by the accounting department. This accounting department was supposed to contact me by phone with in three business days but I work during business hours and requested a message to be left or an e-mail to be sent instead. I was assured I would receive both yet I have received neither.
I have yet another bill with another balance made up not of fees and charges for non-payment. I am not about to make another payment to this account that should have been closed months ago as it seems the more I pay the more I owe. This crooked company is effecting my credit score which would be good if not for my dealing with Target Red cards unsavory business practices I can not believe any company in business can be this incompetent. I surmise they purposefully submit incorrect bank account numbers to financial institutions for the purpose of holding credit accounts open and charging various fees and interest. Had they gotten my account number correct I would have paid the entire balance of my first change of {$110.00} immediately in XX/XX/XXXX. My XXXX change of {$100.00} would have been paid in full after two billing cycles therefore minimizing the amount of money they would have made on my account.
Incorrect bank account number submission for payment after multiple corrections over the phone, via the internet, use of paper checks and I even have a Target debit card which takes money out of my bank account just fine is a highly unlikely coincidence and a more than likely shady business practice which should be illegal. I should not be charged for their mistakes.
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| 04/22/2019 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
Servicemember |
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Date of calls : XX/XX/XXXX Time of call 1 : XXXX CST ( inbound call from XXXX to XXXX ) Duration of call 1 : 1 minute Call 1 description : I, XXXX XXXX , received a call from female who claimed to be from an attorney 's office representing XXXX. Asked if I was XXXX XXXX, which I responded with by asking what the purpose of the call. The female did not disclose they were trying to collect a debt and said they have to verify my identify prior to providing any information other than the fact they represent XXXX. I acknowledged that my name is XXXX XXXX, which she then started asking for my personal identifying information, home address and date of birth. I provided my address, due to it being public record and nothing else. I refused to provide my date of birth due to possible fraud and she then stated since I am refusing to cooperate and verify my identity, she would " notate the account as a refusal ''. At this point, she disclosed the existence of an account that I had with XXXX without verifying my identity, which is violating my rights as a citizen to not disclose that an account exists. She stated she was only trying to help me, but what occurred next contradicted this.
She disconnected the call abruptly, which is aggressive and harassment. After all, she called to get something from me and then threatened me with the fact she is working for a law firm representing XXXX without providing any other info I immediately called back.
Call 2 time : XXXX CST ( outbound call from me to XXXX ) Call Duration : 18 minutes I spoke with an individual and asked to speak with a supervisor.
The supervisor, XXXX XXXX - extension XXXX immediately said he listened to the call and his representative didn't do anything wrong. I advised him that I understand my rights and this is harassment citing possible violations of UDAAP and FDCPA.
I asked who the representative was and XXXX provided XXXX XXXX extension XXXX. I confirmed the name of the law office they represented, which was XXXX and XXXX and the address of XXXX XXXX XXXX XXXX NY.
XXXX asked for me to authenticate who I was so he could discuss the reason for the call, so I provided my name and even my last 4 of my SSN. XXXX still refused to discuss anything with me because I wouldn't provide ALL of my personal identifying information. I advised him that I would be filing a formal complaint with the regulator who enforces the laws he is violating.
Phase 2 - Calls to XXXX to figure out what is going on Date of calls : XX/XX/XXXX Time of Call 3 : XXXX ( outbound to XXXX customer service XXXX ) Call duration : 13 minutes Call 3 details : I called XXXX immediately to figure out why a law office is calling me and harassing me. Since I have an account with them, I verified my identity, Name, Address, SSN. The representative advised I was past due and need to make a payment. I told her I would take care of it, but have been going through a divorce and not living at my home or received calls or mail. She understood and I then explained that I need to file a complaint regarding the law office representing them, which she told me " we receive a lot of complaints about them '', and that she " just had a complaint regarding them just a few days ago. '' I explained the situation and the rep stated she would be opening up a case. She placed me on hold, which eventually disconnected.
Time of Call 4 : XXXX ( outbound to XXXX customer service XXXX ) Call 4 duration : 13 minutes Call 4 details : I tried to speak with someone regarding my complaint and why I was just hung up on by the previous representative and the XXXX representative hung up on me.
I have not received a call back from either XXXX and XXXX or XXXX regarding my complaint. This is a clear violation of the protections the CFPB enforces for the citizens of the United States of America.
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| 03/22/2017 |
Yes |
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- Closing/Cancelling account
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Web |
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In XX/XX/XXXX, I opened a new credit card account with TD. The physical card for that account expired in XX/XX/XXXX. When I did not receive a replacement card by XXXX, I called TD to request a replacement card and was told that my card would not be reissued because the account had been inactive for 18 months at the time of card expiration. My account has remained open ( and reported as open to the credit bureaus ), and I have continued to be charged interest and to make payments. I requested a replacement card several times between XXXX and XXXX and was told nothing could be done. In XX/XX/XXXX, I again requested a replacement card for this account and TD continued to state that my card was denied re-issuance in XX/XX/XXXX because it had not been used for the previous 18 months, and stated they could not issue me a new card at that point ( XX/XX/XXXX ) because the account had now been inactive for over 60 months. When I pointed out that I 'd used my card at least as late as XXXX XXXX, TD then agreed that I had actually used my card as late as XXXX XXXX, only 6 months before XXXX XXXX. Then TD stated ( for the first time ever, despite my numerous written and oral communications with various TD Bank employees re : this issue between XXXX ), claimed that re-issuance was declined due to late payments. TD further stated that, " Regardless of the reason your credit card was not reissued in XX/XX/XXXX, we are not able to reinstate your account now. The law requires we assess your ability to repay before any credit card is issued. If you wish to have an active TD Bank credit card you would need to close this account ( you are require to continue making payments as indicated on your statement until the account is paid in full ) and reapply for a new credit card ( this will involve obtaining an updated credit report and determining if you currently meet our credit criteria ). '' However, my credit card agreement provides that TD may re-assess or review my credit history at any time, and I also informed TD that they could check my credit and I would give them any additional information needed to do so. Further, TD increased the credit limit on this account from {$5000.00} to {$5500.00} sometime between XXXX. This indicates that TD has the ability to review my credit without the need for me to apply for a whole new and separate credit card account. In addition to repeatedly providing me incorrect information re : transactions on my account, reason for declining to re-issue my card, and seemingly on the law related this this issue, during my interactions with TD in XXXX, I was referred to an individual named XXXX. During my conversation with XXXX after being asked specifically if I would like TD to close this account, I requested that the account not be closed. I also made this request to TD via writing. When I saw that my account was suddenly being reported as " account closed at consumer 's request '' in XXXX, I contacted TD to inquire and was told that my account was closed on XX/XX/XXXX based on a letter sent by XXXX XXXX XXXX on XX/XX/XXXX ( the same date I spoke with XXXX XXXX XXXX XXXX. I was also told that TD records show that the account was closed based on my request. After numerous requests via email and phone, my account was reopened within a few weeks, however, I was informed by TD that they would still never re-issue the card on my open, active and current account. Based on the foregoing, as well as other details not discussed above, I believe TD 's actions in refusing to re-issue my card ( initially and after subsequent requests ), and in reporting my account as closed in XXXX, were not based on legitimate reasons, and were instead due to either negligent mistakes and/or personal animus due to unpleasant interactions with me re : previous issues I had with the account.
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| 08/02/2015 |
Yes |
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- Advertising and marketing
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Web |
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See below my emails to Target 's customer service team which describes my interaction with them via and email and phone regarding a credit card that they signed me up in the guise that it was a loyalty points/discount card as opposed to a credit card.
-- -- -- -- -- Forwarded message -- -- -- -- -- Date : XXXX XXXX 2015 at XXXXXXXXSubject : Customer Complaint - Credit Card ChargesTo : XXXXXXXXHello, I 'm a US citizen who lives in XXXX XXXX and I only come to the USA every 4 years for a visit. I was in the USA for six weeks between XXXX this year.
I shopped at Target and the cashier told me about a discount card that they offer, saying that I could get 5 % off my purchase if I used it. I decided to apply for the card right there to get the discount on the purchase that I made. This was just a few days prior to my departure from the USA on the XXXX of XXXX.
I was under the impression that the card I was applying for was the same kind of discount card that is used by XXXX and XXXX, both cards that I had previously applied for which give significant discounts on purchases.
I was not told that this was a credit card that I was applying for.
I gave my mother 's address and the prepaid cell phone number that I was using while in the USA. My mother has since left for XXXX for six months. The person staying at my mother 's place forwarded my dad the attached bill from Target for a credit card that I supposedly applied for.
When I made the purchase, I gave the cashier my XXXX XXXX XXXX credit card to make the purchase. I was not aware that the purchase was made on this new Target Credit Card.
I am willing to make the payment for this particular transaction as I did n't know that it came off the Target card and not my own credit card. However, I am not willing to pay any fees attached with this card, as I had no intention to apply for a credit card, and the cashier did not explain this at all to me. I think that it is fraudulent to have someone believe they are getting a discount card when they are actually signing for a credit card.
I spoke to a customer service agent on the phone who told me that he has the final say and that I had to pay the penalties and there is nothing more that I could do.
If you do not resolve this as requested, then I will either take it up with the consumer protection agency ( or whatever this may be called in the USA ), or if I do n't have the energy to do this, I will just not pay the amount, as I hardly ever come to the USA anyway.
The person that I spoke to is : XXXXSenior Credit Advisor - TargetHe was very unhelpful and my conversation with him was extremely frustrating.
Regards, XXXX XXXXTarget 's response : On XXXX XXXX 2015 at XXXX, Target Guest Relations & lt ; XXXXXXXXXXXX & gt ; wrote : hello XXXX, Thanks for contacting Target. I see that you have signed up for a REDcard with the understanding that it was a discount card, and not a credit card. I apologize for any frustration.
I 'm sorry, but Guest Relations is unable to assist with this issue since we do n't have access to your REDcard information. Please call the number on the back of your card and our REDcard team will be happy to assist you. If you do n't have your card, call our REDcard team at XXXX and they 'll be able to help you with your questions.
If you 'd like to manage your account online, simply visitwww.target.com/redcard to enroll or sign in to Manage My REDcard athttp : //rcam.target.com. Once enrolled, you can send the REDcard team online messages, view your billing statement and more.
Thanks for getting in touch.
Sincerely, XXXX Guest RelationsMy responseDate : XXXX XXXX 2015 at XXXXXXXXHello, It seems that you did not take note of my concern that I found the call centre extremely unhelpful, as you are referring me straight back to this channel ...
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| 08/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I am not a regular customer of Nordstorm but I do go and shop when I am in a city that has one. First week of XXXX I went to Nordstrom 's XXXX in XXXX. Decided to use the card to start getting notices again.
I never got a bill so I CALLED THEM - XXXX XXXX XX/XX/XXXX and reported such. I was told I would get a bill with the next statement mailing. I asked should I pay - no, all was ok. Three minute call as verified on XXXX XXXX statement.
I finally got the bill on XX/XX/XXXX along with a letter dated XX/XX/XXXX that they " hadn't received my payment. '' I CALLED THEM ON XX/XX/XXXX and spoke to XXXX in CO. I told her that I had called in XXXX and didn't get a XXXX / XXXX statement and that I finally got it yesterday, XX/XX/XXXX. I explained that I moved to XXXX XX/XX/XXXX as I have been doing since XXXX. All my mail is forwarded and arrives within 7-10 days. I paid the bill immediately and asked her to note in my account the problem - I said " I do not want trouble or a black mark with you or on my credit. '' XXXX responded " XXXX, you know how the mail is since COVID. I noted this - all is ok, no problems. '' I trusted her.
I got an email from XXXX today that said yesterday, XX/XX/XXXX, Nordstrom turned in a 30-day past payment on my account. I called today XXXX and spoke to XXXX - she couldn't help and transferred me to XXXX in CA. I explained everything as above and he put me on hold ; he came back and said his supervisor said " tough '' ( paraphrased ). I presented my case again and XXXX went back to his supervisor again ; XXXX came back and said the supervisor said " they were not allowed to falsify the truth. '' I was shocked and furious that this supervisor implied I wanted him to lie!!!!! XXXX was nice and said he understood my case and what happened. He was going to turn it over to Credit Services and that he had notated on his end to watch for an email from that Dept. He would follow-up on Sunday, XX/XX/XXXX, with me and I should hear in 7-10 days.
Let me explain another recent situation ; I bought a mattress from XXXX XXXX in XXXX. I called in XXXX and said we never got a statement ; I was asked if we ever got the credit cards. No. the agent notated it all and said no problem - in fact, she waived the XXXX payment, sent me a replacement statement for XXXX, two-day XXXX XXXX the cards, and went out of the way to help me. That was XXXX XXXX. All this effort and no lies.
Nordstrom is not that honest nor has any sense of listening or helping the customer - XXXX On XX/XX/XXXX said she could not find any notation as I had told the girl on XX/XX/XXXX about no statement in my account. Why not? I trusted her that day when she said " there would be no problem ( paraphrase ). '' XXXX today read through the account and did not tell me what exactly was notated there, but he did say that the late fee and interest were credited back to my account. What??? Why????? After I requested understanding of the situation, after their rep told me no problem, she understood, someone at Nordstrom STILL filed the delinquent report anyway when the only reason the payment was late was their problem in not sending timely statements and the mail problem with weeks of time till I got the statement I CALLED THEM AND REQUESTED! Oh, but unbeknownst to me, Nordstrom went ahead and gave me credit for all their " delinquent '' charges!!!! And on top of all that, their supervisor - rep insinuated " fraud '' on my part. IXXXX don't lie nor do I ask anyone to break the law..Inexcusable!!!!
XXXX call on XX/XX/XXXX XXXX 13 minutes XXXX call XX/XX/XXXX XXXX 23 minutes Beware consumer - do not trust Nordstrom or the credit card services!!!!! You will never get this dishonesty or lack of empathetic customer service at XXXX 's or XXXX XXXX, for example. I surely won't shop there again.
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| 02/13/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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Complaint against TD Bank I am a victim of fraud of over {$10000.00}. I filed a police report regarding illegal activity and filed a dispute with TD Bank. They refunded me some of the illegal transfers as fraud but XXXX transfers are listed as " not fraud ''.
An aunothorized XXXX account was opened through my TD Bank online account and used a phone number for the account that is not mine nor ever has been. My email ( XXXX ) account was compromised so emails from TD Bank were set to go to junk. I was never called or texted from the account.
TD Bank has rejected 3 of my claims as " no fraud occurred ''. After calling they stated that the IP address showed to be mine in their system so all claims were declined. In addition to this vague answer, they have refused to provide me any additional details regarding their decision. ( example - times, mac address, device IP address, was this phone number in their system, how the account was opened ) They stated that if I wanted any of the information regarding the case I would have to get a subpoena from the courts. This is unfair practice. I filed a police report for an over {$10000.00} fraud case and therefore would be going to prison if I was lying. TD Providing a letter stating " not fraud '' and turning their backs on me is not fair consumer practice.
The information they did provide me with was the names and phone numbers of the criminals who stole the money. Suggesting I may want to reach out to the criminals to get my money back myself is unfair and unsafe to consumers.
Since my 3rd appeal has been declined I am asking for CFPB for help. I did not open these accounts on TD Bank nor did I ever send money. This experience is questioning by belief that the current US banking system may not be a safe place to hold your money in today 's cyber environment.
below is more info based on dates. All was sent to TD Bank to confirm. No reply.
Fraud occurred from XX/XX/XXXX to XX/XX/XXXX.
I notified TD Bank on XX/XX/XXXX that fraud occurred.
I filed a police report with the XXXX Police Department regarding this illegal transaction. This police report was faxed to TD Bank and is on file.
TD Bank refunded an ACH transfer of {$2500.00} that was sent to another bank as my online bank account was compromised. All XXXX fraud transfers was declined as not fraud.
Through the TD Bank online site, new XXXX accounts were opened linking ( 2 ) of my checking accounts and transferred over {$10000.00} in small increments over that week. No texts or calls where made to me by TD Bank during this occurrence.
The XXXX accounts were opened under phone numbers that is not mine and has never been on file at TD Bank. XXXX requires authorized phone numbers. This number has not been investigated by TD investigators.
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was refused access to talk to a TD Fraud Investigator to explain my case as it is against TD Bank policy to do so.
On XX/XX/XXXX I faxed TD Bank outlining all details about the occurrences.
It is TD Bank policy that if transfers appear to be from the same IP address, the illegal transfers will not be investigated by TD Bank. No attempts are made to get funds returned by TD Bank.
TD Bank requires a legal subpoena in order to provide a customer with device mac address used for the transfers.
TD Bank provided the names and phone numbers of the people who were involved with these illegal wire transfers. It is the customer responsibility to reach out to the criminals directly to attempt to retrieve the funds.
On XX/XX/XXXX I faxed TD Bank all of the above asking them to correct anything that they might feel inaccurate. I did this through the TD Bank branch so have documentation it was received. This was ignored despite stating I will be filing with the CF if ignored again
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| 08/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/ my XXXX XXXX XXXX was involved in a total loss. As a result, my TD Auto Finance account wait paid by XXXX XXXX XXXX for the amount of {$22000.00} dated XXXX. I confirmed with TD Auto Finance once the check was received in the middle of XX/XX/. After speaking with a representative from TD Auto Finance I was advised that now that the insurance check was received they will file and process my GAP claim and in about 4-6 weeks I should receive my paid in full letter. As well, I was told that my account was now future dated to XXXX and no further payments were needed until my GAP paid the loan. On XX/XX/XXXX I received a paid in full letter from TD Auto Finance stating as of XXXX my account was paid in full ( copy of the letter is attached ). After I received my paid in full letter I noticed I kept receiving statements from TD Auto Finance, the statements showed I did not owe any payments and this was for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called TD Auto Finance to figure out why I kept receiving statements if the balance was paid. They said they made a mistake by sending me a paid in full letter and the GAP claim was never filed. On XXXXXX/XX/XXXX I called GAP to figure out what 's going on and eventually ended up having to file my claim. On XX/XX/XXXX I received a letter datedXX/XX/XXXX that I was more than 30 days past due and they were going to report this negatively to my credit and to call them. I called TD Auto Finance on XX/XX/XXXX and explained that my account should not be past due, I explained they received the insurance check for {$22000.00} and the GAP claim has been filed, and according to the representative I spoke to my account was future dated and in a hold. After I was transferred back and forth for almost 4 hours I finally spoke to XXXX XXXX at XXXX. She advised me my account should not be past due or reporting negatively to my credit, nor should there be any payments due as my account was future dated to XXXX. XXXX advised me that she had a manager look into the error and found out that it was most definitely incorrect and it would be fixed immediately, removing the 60 days past due from my credit as well as ensuring there I no payments owed until GAP pays off the loan. I was advised I would receive a letter stating the negative remark would be removed and my account would be fixed. On XX/XX/XXXX I called TD Auto Finance again to confirm this has been done, I noticed on the automated system it was still saying I was past due even after speaking to XXXXXXXX XXXX a week before advising me it would be removed. This time I spoke to a representative by the name of XXXX who advised she saw the note and it was supposed to be worked on but she did n't know when it would really be fixed. I explained the negative effects this account was having and she apologized but had no time frame to when it would be fixed. After speaking with XXXX I check my credit bureau and notice not only was it not being fixed but it was now being reported to all my bureaus not just XXXX as it originally was. This has decreased my score by almost 200 points, I went from a XXXX to a XXXX because of their error. The way I was able to find this was through my online credit monitor service through XXXX that I pay for ( attached is a copy of the negative lines from all three bureaus ). This needs to be resolved immediately, this effect my lively hood as well as many other parts of my life. TD bank has already admitted to the error, I want this removed as soon as possible from all three of my credit bureaus ( XXXX, XXXX, and XXXX ). I also want a letter stating the error and what will be done to fix the error as well as a guarantee that it will not happen again unless I really have paid late. In the case I am not late and will not be late on any of my payments.
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| 03/15/2016 |
Yes |
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- Customer service / Customer relations
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Web |
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Yard Card has been giving my husband and I the run around in terms of statements, payments, and a recent attempted balance transfer. When we first purchased our mower and had it financed by Yard Card, they never sent us a statement for our first payment. I finally found the number for the company, and when I called, I just made a payment over the phone. That is pretty unprofessional. Then, I called in XXXX 2015 to make a payment, and it stated I had " {$0.00} Minimum Payment Due '', so I assumed I had already made the payment. Then, a month later, I get a letter slapping us with more late fees, and they removed all of the available credit we had, so we were technically in the negative. I tried to transfer my Yard Card balance to a XXXX XXXX and the payment was accidentally sent to the incorrect address, so I, along with a representative from XXXX XXXX XXXX, did a 3 way conference call with a representative from Yard Card to sort the matter out. We told them what happened ( the payment was sent to an address for the company who ISSUES Yard Card, which is T.D. Bank N.A. ) and they provided the rep from XXXX with the correct address to send the balance transfer check to. My payment was due on the date we spoke with the Yard Card rep, so I asked if they would be willing to waive the late fee since I had never requested a late fee removal before. The " supervisors '' refused to waive the late fee, and said XXXX was responsible for reimbursing me because their balance transfer check was sent to the wrong address. SO, I went on my way and waited for the other check to be sent to Yard Card from XXXX to pay off my balance. My due date approached AGAIN ( a month later ), and I called Yard Card because they were still showing no balance transfer. They immediately sent me to the collections department, and told me that they do n't accept balance transfers. They only accept payments from a personal checking account! WHAT?! Someone literally talked to me AND a XXXX rep regarding the balance transfer. I requested to speak to a supervisor and the rep from Yard Card said there were " no supervisors '' ( although I had spoke to one the first time I called about this balance transfer ) and she refused to let me talk to someone else. She said the only thing she could do for me is " take my payment '' and I was given incorrect information regarding them accepting balance transfers. I kept telling her I needed to speak to a supervisor or I was reporting them, and she did n't seem to care. She just rudely sent me back to the main line that says : " For instructions in XXXX please press XXXX. Please enter your account number '' so she did n't have to deal with me being right and her being wrong. So here I am again, with a payment due that I was n't planning on having to make today. {$240.00} worth to be exact. I am beyond upset. This company is giving people the run around and they need to be shut down. I wish I would have looked at the reviews online before agreeing to finance through them. So many people are having the same problems as we are. I am appalled and upset ... .and I 'm a pretty calm person. They are crooks and try to collect as much money as they can from people, while being very unethical. I am not perfect by ANY means, and I have had a couple instances where I was a day or so late on payments ( either from calling the automated system too late or not noticing my payment was due on a weekend day ). I just want my balance transfer accepted so I can get rid of Yard Card! XXXX sent them a check - how hard is it to deposit a check? I 'm pretty sure they are ruining our credit score now as we speak. PLEASE help me resolve this matter. They are preying on innocent people and need to be shut down! **Discover is currently doing an investigation on the matter and filed a dispute*
|
| 03/20/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Application, originator, mortgage broker
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Web |
Older American |
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*** All information detailed herein is supported by attached email documentation*** After receiving a prequalification letter in the mail from TD Bank on XX/XX/XXXX I completed an application for a Home Equity Line of Credit to replace the existing one I have for the same amount. On XX/XX/XXXX I received notification from TDBank indicating my credit score to be XXXX. On XX/XX/XXXX I received another letter stating that my Home Equity Account application had been conditionally approved based on information provided.
- On XX/XX/XXXX I submitted requested documentation to TDBank and notified assigned loan officer XXXX XXXX by email.
- On XX/XX/XXXX additional documents were requested by XXXX XXXX which I submitted on XX/XX/XXXX.
- On XX/XX/XXXX XXXX XXXX stated via email that the only other document needed now was an escrow analysis of the subject property.
- On XX/XX/XXXX requested information sent to XXXX XXXX.
- On XX/XX/XXXX underwriter sent file back to XXXX XXXX for more information.
- On XX/XX/XXXX i submitted requested information.
- On XX/XX/XXXX underwriter requested additional information.
- On XX/XX/XXXX I submitted requested information to XXXX XXXX.
- On XX/XX/XXXX underwriter requested additional information.
- On XX/XX/XXXX I submitted information requested to XXXX XXXX.
- On XX/XX/XXXX underwriter requested additional information.
- On XXXX/XXXX/XXXX I submitted additional information requested by underwriter.
- On XX/XX/XXXX XXXX XXXX contacted me by telephone and stated that the underwriter could not understand the income shown on the paystubs as they related to my employment with the XXXX. I indicated to XXXX XXXX that the paystubs if multiplied accordingly, would provide the annual income I had reported. I additionally stated that the underwriter did not wish to verify my income with my employer.
- On XX/XX/XXXX XXXX XXXX contacted me by telephone and stated that the underwriter was going to deny my Home Equity loan because she could not understand the math in the paystubs and could not include my income from the school board in the overall calculations. I expressed shock and informed XXXX XXXX why the underwriter had refused to contact my employer. I also stated that XXXX XXXX from XXXX had no problems verifying same income from my employer in XX/XX/XXXX. I also conveyed to her that the underwriter continued to ask for additional documentation, after she, XXXX XXXX, had stated that the file was complete?
- On XX/XX/XXXX i received a letter from TDBank denying my Home Equity loan application.
- On or about XX/XX/XXXX I informed XXXX XXXX that I considered this action discrimination due to my age ( XXXX years old ), as proven by the number of times the underwriter continued to ask for addiitional documentation as to discourage me from continuing and the fact that she refused to contact my employer. XXXX XXXX stated that her supervisor would contact me.
- On or about XX/XX/XXXX XXXX XXXX 's supervisor contacted me. I told him that the underwriter had made a decision without verifying my income with my employer and also trying to discourage me from continuing the loan. The supervisor agreed that the underwriter had to contact my employer, but that she was simply very incompetent. I submitted to XXXX XXXX information to contact my school board employer again.
- On XX/XX/XXXX XXXX XXXX asked for personal documentation to contact the XXXX which I readily provided on XX/XX/XXXX.
I consider myself a victim of age discrimination. TDBank did everything possible to discourage me from continuing my application. The process, which was initiated on XX/XX/XXXX was still trying to be resolved on XX/XX/XXXX,115 days.There has not been any more communication from TD Bank , the last being from XXXX XXXX via email dated XX/XX/XXXX at XXXX.
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|
| 10/30/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
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|
Web |
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Hello, I am not sure who to get in contact with. My name is XXXX XXXX and I am XXXX in XXXX for the semester. During my 5 day vacation, I came to XXXX for a stay. I was robbed at knife point on XX/XX/2016 at around XXXX to go to an ATM to withdraw money after I went to a bar the same day of my arrival. They would not let me leave until after I had paid the absurd bill of XXXX XXXX for XXXX beers ( there was footage at the bar ). They forced me to cross the street to go withdraw money from my bank account. They withdrew as much as they could after they forcibly got my pin number from me. They withdraw the equivalent of {$740.00} from my account. They still wanted more and wanted me to go back in the bar with them. When I refused they got really aggressive so I started screaming for help. They ran away and I was able to get in a Cab to go back to my hotel. When I got to my hotel, I asked the attendant to call the police so that I could report the crime and to get a police report. He told me that they would n't be able to do anything for me because it was n't in the old city. After pleading with them for more than half an hour, the attendant finally agreed to go to the police station with me. When we got there, the police officer said that he could n't do anything for me and that I should go to the police station in the neighborhood where I was robbed. We took a cab to the city of XXXX where I was robbed. When we got to the other police station, they took my passport and had me stand outside for over 15 minutes. At that point, they had me sit down and a police officer dressed in a suit came and spoke to me and gave me XXXX options : - either he gives me {$330.00} back and I get no police report to report the crime - or I would have to come back to XXXX next week for a court hearing in order to receive the police report ( I am leaving XXXX on XX/XX/XXXX ) - I speak nor understand XXXX He then rushed me and said that I had XXXX minutes to make a decision. As I was calling my bank to have them be a witness to what they police officers were saying, an officer grabbed my phone and hung up. He then convinced me to take the money instead of getting a police report. The police officer dressed in the suit then had me write a " contract '' which states that he gave me {$200.00} USD + XXXX XXXX. He would not give me any police report or receipt. I managed to get a picture of the contract that they had me write and the currency on the table. The police officer then said to me that " its for proof when I go to the club owner that we reimbursed you some of the money so that we can get our money back '' ; which makes it seem as if they were in collusion/corruption with the bar and that it is something that is done often. They did n't offer to go to the bar and make an arrest or a police report, but that they would rather deal with it right there. The effort was not made to even leave the police station. I also managed to get a picture from standing outside the police station with a picture of the officers and the man in the suit. He then told me that I could n't go to any other XXXX Police XXXX to report the crime.
The police station is XXXX XXXX XXXX XXXX located in XXXX and it was at XXXX ( local time ) on XX/XX/2016. I have the location of where I was forcibly taken to the ATM and I have the location and pictures from the Police Station.
The Hotel that I am staying at will not even write a statement that I came to them after I was robbed, even though one of there attendants accompanied me to the XXXX police stations. The attendant himself said that " XXXX. '' I contacted my bank but the response they gave me was inconclusive. They would n't give me police report but I have pictures with location stamps.
I am not sure who else I should send this email to. Thank you.
|
| 10/27/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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|
Web |
|
|
This is a complaint against Target Mastercard.
I purchased tickets from XXXX XXXX XXXX for {$100.00} on XX/XX/XXXX. As a result of a glitch on app that was handling the financial side of the purchase, the app was sending a message that the purchase did NOT go through and no tickets for the purchase were issued. As a result of the glitch, I was charged 5 times for a one time ticket purchase. I was charged : {$100.00} three times on XX/XX/XXXX {$100.00} one time on XX/XX/XXXX {$100.00} on XX/XX/XXXX ( the only transaction that is valid and did go through, tickets were issued ) I called XXXX to let them know that I saw the multiple charges on my credit card and they confirmed that the online service handling the sales had a glitch and did accidentally charge multiple times for purchases.
I called MC on XX/XX/XXXX and told them that I only saw one credit for {$100.00} dated XX/XX/XXXX, but there should be 4 credits of {$100.00} each ( I was charged five times and only one purchase of {$100.00} was valid, therefore 4 credits should have been issued ).
The agent said that they would put the other three amounts of {$100.00} each in dispute. These disputes did not show up on my transaction history online in the cc account.
I called XXXX back again on XX/XX/21 and after investigating, they sent me " refund receipts '' ( attached ) showing that the other 3 credits ( and the final 4th credit ) were in fact issued. The first 3 were issued on XX/XX/XXXX, yet as of XX/XX/XXXX, online in the transaction history ( not the statement ), I did not see those credits OR the dispute they had supposedly initiated on my behalf as credits posted to my account.
I called MC and after speaking with XXXX different agents, the final agent being XXXX, I was told that she could see the 3 credits and the disputes " behind the scenes '' on her end. When I asked why I only saw one of the three {$100.00} credits posted on XX/XX/XXXX on my account, she couldn't really answer that. She told me that it will show on my statement.
This does not make sense. Every purchase and return ( debit and credit ) is posted to your account on a daily basis and can be viewed when you go in to your transaction history. While I understand that they may take a day or two to post to my account, it does not make any sense as why only one of the credits would be posted.
Something is not right. As a consumer, I am entitled to view my transaction, credits and debits, as they post. If they do not show as posted to my account, it is logical to believe they are not being applied to my account. MC is telling me that this is the way they operate and I will not see all of my transactions as they are posted? This is my money and as a vigilant consumer, I often login to my transaction history to make sure that everything is accurate and that is no fraudulent activity.
I had an issue last year with the same MC. They did not post a {$96.00} credit from a Target return. It took me 7 months of going back and forth with letters and documentation for them to finally realize they made an error and then they issued the credit.
I do not want a repeat of a 7 month dispute. They need to show ALL transaction history for consumers to be able to see their debits and credits. There should not be a " behind the scenes view '' that they see a credit, yet as the cardholder, I do not see the credit and can not verify that credit has been applied to my balance. This is a horrible, deceptive and unethical business practice.
I know that I can not be the only one that is having difficulty with the transparency of transactions with this credit card company. The vend or has issued my credits ( see attached ) and I want to see them as transactions on my account ( it has been 4 weeks since they were issued ).
Thank you, XXXX XXXX
|
| 07/27/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Servicemember |
|
I have a checking account and credit card with TD bank. I use TD on line banking to review my balance, transactions, and credit card payment due amount. I 've never had late payments for the credit cards for years, until recently because TD on line banking reported an innaccurate payment due amount.
I suspected something was wrong about the amount due ( account balance was less than {$250.00} ) was stated as XXXX amount due in XXXX of 2017. I sent a payment of {$25.00} anyways, and sent a message to on line banking asking why the payment amount was XXXX. The reply I received some time later was to contact the credit card company department. There was no mention in the reply that the TD on line banking information about the credit card payment due was innacurate.
Two months went by. I am out of the country and did not incur the expense and time to call the credit card department. Therefore the TD ON LINE banking payment due amount was wrong the following two months also. But I gussed for a balance less than 250.00 that XXXX was n't right so I sent {$25.00} each month.
Turns out I gussed wrong and was short {$10.00} each month. I discovered this when I looked at my credit card transactions and saw a {$35.00} late payment fee for each of the previous 3 months.
I 've never had late payment problems before. This was caused by TD on line banking reporting an incorrect payment due amount. Customer service told me I needed to go to a different web page for accurate credit card payment info, not initially, but after I discovered the problem 3 months later.
I understand banks have different systems and departments. But customers would NOT expect the same bank with on line banking to report innacurate data because it is a different system on the back end. If they can not figure out how to look like 1 bank externally, they would be better off reporting no information than reporting innacurate information.
This is clearly a poor business practice, if not illegal.
On XXXX XXXX, 2017, I spoke with customer service which cost at least {$30.00} for the international call. I explained what happened.
I requested 3 things happen 1. ). Reverse all the late payment charges.
2. ). Restore my credit limit to the original amount 3. ). Reverse any negative credit bureau reporting if negative information was reported customer service handled reversing the late charges directly, but said " corporate '' had to address number 2 snd 3 above. They sent a messasge portraying the situation and my requests to corporate.
It is now XXXX XXXX, 2017. I 've called every month since and customer service said they have not heard back from corporate. This is totally unacceptable. Each of st least 5 phone calls cost {$30.00} each, and why must I call at all? Is n't over 4 months enough time to reverse the actions especially considering it is not my fault that the on line banking could not report accurate credit card payment due amounts to begin with? It is the same bank, TD BANK.
I believe this is bad practice or illegal and I am angry that my perfect credit record could be impacted by a shortage of {$10.00} a month for 3 months due to a bank bad practice.
What do I want?
1. ) I want assurance that any negative information to the credit bureau is reversed 2. ) I want my credit limit restored While I believe TD bank on line banking is responsible for the problem, therefore checking account department, I have been dealing with the credit card department to reverse the damage above that was caused.
the name on the credit card is XXXX XXXX XXXX Last 8 digits are XXXX XXXX Case number with customer service is XXXX Phone number I use is XXXX XXXX is the supervisor I spoke with on XXXX-XXXX-2017. Her extension is XXXX My phone number is XXXX I prefer email communication due to time zone difference at XXXX
|
| 05/17/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I have been a loyal banker with TD bank since 2004. Needless to say the service, intelligence and care for the customers has declined since first banking with this organization.
I am writing to you XXXX in particular. I was at the XXXX XXXX on XXXX XXXX in XXXX, PA. I was waiting on camera in the drive thru, while your manager XXXX XXXX could obviously see my car holding up the line. She was just sitting outside, smoking and talking on her cell phone. ( check the video ) me yelling at an incompetent teller his name was XXXX. I was n't given any last names by the store manager XXXX.
The lazy " VP '' was just standing obviously hearing what was going on, watching and choosing to remain on her cell phone. Her employees made me wait for over XXXX minutes if not longer.
I have an insurance check from XXXX written payable to my husband XXXX XXXX. XXXX has never had a TD bank account and he never will.
XXXX 's direct deposits have always gone into my account with no question ....
I was told many lies by the staff -- - 1. My check could n't be cashed bc my husband was n't there 2. The VP was in her office on her phone -- lies when I stormed in that 's when she brought her large self into the TD bank store -- please review footage XXXX. I was told by your " VP '' and her person " XXXX '' that the cops would be called on me. ( I said call them ) ( Even if they did come they would maybe ask me to leave. I did not cause malice or harm, just straight up dissatisfaction with TD.
4. Your " VP '' kept referring to me as " Miss '' completely rude, I may look young and not have an old weathered face like you but I 'm no " Hun '' or " Miss '' 5. I was told by the XXXX man XXXX ( who you can barely understand bc of the accent ) that I had to sign a release to get the check deposited, ok I said give it to me. He said no you have to come back and get it. I said that 's the dumbest thing I have ever heard, you already are aggregating, and stupid but now when you are saying I have to come back again only at that time I get the release.
6. According to this " XXXX '' she also said I could sign this release and then get it cashed XXXX. Apparently noboby at TD bank knows what they are doing bc according to the " VP '' that was an old thing that you guys use to do but do n't do it anymore. NOT OKAY 8. MY HUSBANDS $ ALWAYS GOES INTO THIS ACCOUNT AND WAS NEVER QUESTIONED THIS WILL BE REPORTED TO THE XXXX AND I WILL CONTINUE TO CALL AND EMAIL UNTIL I GET A FULL WRITTEN APOLOGY IT SEEM LIKE THAT " VP '' OF YOURS WOULD HAVE CASHED THE CHECK- BC SHE ASKED ME HOW MUCH IS IN MY ACCOUNT? " IS THERE ENOUGH TO COVER IT? '' Then when I called back to complain bc the number she gave me for her manager was magically not working?! She whispered she could put the check through, but then when I told her she already told me it would bounce back ... .I do n't understand why she would intentionally say she would n't put the check through, then she said she would, but if she is a manager then she should know that the " back office '' would stop the check. Seems to me that she had ill intentions and purposely tried to make things harder. XXXX XXXX called me back phone number XXXX SHE TOLD ME TO GO TO A CHECK CASHING PLACE.
THE ONLY KIND INDIVIDUAL THAT WAS WORKING DURING THAT TIME WAS A MAN NAMED XXXX, HE STOPPED WHAT HE WAS DOING AND JUST LISTENED TO ME AND TRIED TO BE KIND. HE WAS YELLED AT BY THAT XXXX VP XXXX TO GO SIT BACK DOWN.
The check was from XXXX {$1100.00} written payable to my husband XXXX XXXX, we both signed the back of the check, I tried to deposit. Then got several different lies told to me by TD bank members. Basically there was an endorsement before and you could fill out a form and then have the bank check cashed, well apparently not all employees are on the same level
|
| 09/11/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
Correspondence with Diamonds International ( DI ) began XXXX XXXX, 2016, it is now XXXX XXXX, 2016, with still NO resolution. It has been a runaround of emails with DI, having me jump through their hoops to basically 'stall ' me or 'wear me out ' I believe. I purchased an item in good faith and was 'taken ' for {$6200.00}! TD is the issuing bank for my Diamonds International credit card.
On XXXX XXXX, 2016, I purchased, in good faith, a single Crown of Light diamond, XXXX ctw, which was originally part of a set of earrings ( Referral XXXX, XXXX XXXX, sold by # XXXX ). Your store in XXXX ( # XXXX ) put this into my wedding ring. I have your appraisal and paperwork listing the USD value of this XXXX earring 'stud ' alone, at {$9200.00}. I opened a DI credit account and have been paying on it since.
My local jeweler is a certified in diamond grading, XXXX and a member of the XXXX XXXX XXXX. She was shocked at the price I paid for the Crown of Light diamond I now have in my wedding band. Her original appraisal of my ring ( complete set ) was {$5200.00}. ( My original setting is valued at {$2500.00}. ) The DI Crown of Light diamond I purchased ( originally part of an earring set ) alone was 'valued ' at {$9200.00} according to the DI " appraisal '' I received when I purchased it. ( The reason I had it appraised when I did was because my home insurance carrier required an appraisal which included ring and new stone. Initially I 'trusted ' the DI store, XXXX XXXX and " XXXX XXXX '' XXXX shopping consultant who 'approved ' this purchase as being legitimate. ) DI response : " Our Terms and Conditions ( located on the back of your purchase receipt ) state that the diamond would need to be appraised by an independent gemologist or appraiser, whose sole business is appraisals only and does not buy or sell jewelry, and a copy of the appraisal must be submitted for review within 30-60 days after the date of the purchase. Since your purchase was made on XXXX XXXX 2016, you are unfortunately out of the warranty time for 3-4 months. However, I would like to know if you completed a formal written appraisal with your jeweler. " XXXX XXXX, DI Customer Service Representative.
To say I was shocked and angered is a complete understatement. I was emailed an 'approved ' list of DI 'appraisers ' which INCLUDED JEWELERS! This makes absolute no sense to me! I contacted a jeweler from the DI website who was near ( yet XXXX hours ' drive away ), who appraised the DI Crown of Light diamond alone at {$3000.00}. This appraisal was rejected by DI ( because it does not mention the XXXX of XXXX cut XXXX even though the jeweler is listed on their website as a contact. I was told to obtain yet ANOTHER appraisal by someone they recommended ( a jeweler! ). I contacted one of the once again 'approved ' DI appraisers/jewelers who indicated that the XXXX XXXX cut is very similar, and was sent copies of similar diamonds with prices for comparison sake. The Crown of Light diamond I purchased in XXXX was coming in about {$3000.00}. The 'appraisal ' I received when I purchased the diamond is, therefore, {$6200.00} INFLATED! Of course, this all takes time since the customer representative must 'check ' with her manager first. I recently learned that my claim was actually closed on XXXX/XXXX/2016 and we were still corresponding!!
I have so far contacted DI, XXXX XXXX XXXX, the DI credit card and its issuer ( TD Bank ). No one has been able ( or willing ) to resolve this issue. XXXX insists they can not do anything as the purchase was not made on their ship, yet their 'shopping consultant ' " XXXX XXXX '' held a formal presentation with fellow cruisers on board in a lounge at an appointed/scheduled time, of what shops to do business with, AND was present during this purchase ( and approved it ).
|
| 09/15/2016 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
The IRS has been direct-debiting from TD Bank, monthly, since XX/XX/XXXX/XX/XX/XXXX.
Over the past few months, I have been moving from TD Bank to a local SC bank where I can have a joint account with my brother ; our sister ( who is XXXX ) is moving from XXXX to XXXX. I will be her care giver ; my brother has power of attorney and is in control of her financial support ; we have a joint account to facilitate setting up housekeeping, etc.
In XX/XX/XXXX, I notified all of the companies that have a direct debit arrangement with me of the change in banks, effective XX/XX/XXXX. I also called the IRS to cancel the direct debit and to start paying online. Because the arranged payment date was 10-14 days away, the IRS person suggested that I keep the current direct debit arrangement ( at TD Bank ) for the XX/XX/XXXX payment and start paying online in XX/XX/XXXX. I agreed and said I would keep a bit more than enough in the TD Bank account, would watch for the payment to clear, and only then would I close the account.
On XXXX XXXX, XXXX, I began watching TD Bank for the IRS payment. Monday, XXXX XXXX, was a bank holiday. On the morning of XXXX XXXX, the TD Bank online system showed the IRS payment was " pending ; '' ... the only payment pending ; my bank balance was {$420.00}. I expected the IRS payment to go from " pending '' to post as " paid. '' On the afternoon of XXXX XXXX, the TD Bank online system showed the IRS payment " pending '' as well as a {$190.00} student loan payment " pending '' and a projected balance of - {$160.00} in the account. The student loan company had failed to make the change in bank information. I called TD Bank and asked to stop/refuse payment on the student loan request. They would not stop or refuse the payment because both the IRS and the student loan payments were " pending '' and " could not be stopped '' : " Both are going to be paid and since you are now overdrawn, there will be an additional {$35.00} charge for the overdraft. '' I made it very clear that the IRS payment was most important ; I was assured by the branch manager via the customer service person that the IRS payment " would be paid. '' XXXX XXXX, another direct debit ( also an error in banking info due to my account being transferred to another agent ) appeared as " pending '' of {$170.00} ; the IRS and student loan payments were no longer in a " pending '' status but were posted as paid. The available balance ( which included 'pending ' debits ) showed as - {$340.00}. I was unable to secure reversals or timely refunds from those companies.
On XXXX XXXX, according to the online system, TD Bank had reversed the payment requested by the IRS ( after it had been posted as " paid '' ), had rearranged the timing and order of all three drafts, and had honored the other two payments. ( By the way, although this resulted in a positive balance on the account, TD Bank still charged me an overdraft fee of {$35.00}, which takes me back into the red. ) I am filing a complaint against TD Bank for ( 1 ) denying me the right to stop payment to the student loan company even though that payment was unauthorized, saying " pending payments can not be stopped or reversed ; '' ( 2 ) manipulating the timing and the order of drafts ( after the drafts had been posted as 'paid ' ), reversing the one payment of greatest concern to me ( and I had made sure the bank personnel knew which payment was of greatest concern to me and why ) ; and ( 3 ) charging me with an overdraft fee which I do not owe, especially after they manipulated the timing and order of drafts.
I gave the IRS my word ; I acted proactively with all companies concerned, as well as the Federal Government, to ensure they had the correct banking information. I believe I handled these issues in the best possible manner.
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| 07/12/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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Dear CFPB, I would like to complain to you about TD Auto violating the law by reporting inaccurate late to my credit report and my wife 's credit report for errors that were caused by their unintelligent and unhelpful agents. We had purchased a vehicle ( vin # XXXX ) in XX/XX/XXXX which was closed and paid full on XX/XX/XXXX. around XX/XX/XXXX they failed to deliver statements our residence and proceeded to charge us {$47.00} without notifying me or contacting us. I called and disputed that late charge on the grounds that i had NOT received my statements for that month and they informed me that they would reverse the fees and would not report a supposed XXXX day late to the credit bureaus and yet we never received that late reversal and unfortunately they reported the XXXX day late to the bureaus, even though i called them XX/XX/XXXX to inform them that i had not received a statement so I informed them that I would send both payments together with the next statement, which was approved by their management considering it was a mail/bank error. Then again, XX/XX/XXXX I failed to receive a statement again and my wife called TD AUTO FINANCE to inform them that a statement was missing and we wanted to avoid charges and lates so we processed the payment just before the XXXX Day mark over the phone with XXXX, a TD Auto representative. She took our routing and checking number and said that the payment was processed and the funds would be removed within XXXX business day and no fees or reprted late would be incurred and she apologized for any inconvenience. But, for XXXX week i monitored my checking account to watch and see when the funds would be removed and they never were so after a week my wife called them again and asked for a manager by the name of XXXX. He proceeded to tell us that the payment was never processed and we were furious at their, yet again, lack of notifying us. Instead of notifying us of this issue they proceeded to charge us over {$200.00} in late fees and reproted us as XXXX days late, AGAIN, to the credit bureaus! W are so frustrated and we are still fighting this XXXX years on. We have written numerous letters and to different departments and they claim that though it was a bank error and an agents error they can not refund any fees or remove the XXXX XXXXXXXXDay lates reported on our Jeep 's installment loan for XX/XX/XXXX and XX/XX/XXXX. We are so frustrated and heartbroken and in the last XXXX days have done everything under the sun to receive help and TD auto continues to claim they have no information available to help us as everything is in " archives ''. That is so unprofessional and my wife and I have been ignored and our messages have not been returned and there has been no proof, investigation or information provided to us on their behalf. This is absolutely devastating to us and we are, XXXX years on, unable to obtain any more installment loans because of how TD Auto has handled our credit reporting, even though they apologized and promised no dates would be reported. We have lost over {$270.00} in unnecessary late fees that have made paying our minimium extremely difficult & insane. I believe that TD Auto is taking advantage of their clients and not providing correct, accurate or timely information when requested and keeping consumers in the dark when it comes to late fees and notifications of problems with processing payments and things of that nature. We do not deserve these bad marks on our credit report, this was a joint installment loan and neither of us are able to recover from this and now we have XXXX little babies and we can not finance anything because of TD Auto 's half truths and unprofessional and uneducated agents over the phone. Please, can someone help us? They refuse to work with us on this matter.
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| 10/12/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
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I opened a business checking account with TD Bank on XXXX XXXX, 2015 with an initial balance of {$200.00}. On XXXX XXXX, 2015, an ACH deposit was made to my account in the amount of {$12000.00}. On XXXX XXXX, 2015 I wrote a check ( using XXXX of the starter checks that TD Bank provided me when I opened the account ) from the account in the amount of {$5600.00} and deposited it to my personal savings account at XXXX XXXX XXXX XXXX to reimburse myself for business expenses. The check was not honored and was returned to me, and I was charged a {$30.00} return check fee. There were sufficient funds in my TD Bank checking account to cover the check, and there was no reason for TD Bank not to have honored the check.
On XXXX XXXX, 2015, TD Bank assessed my account a maintenance fee of {$25.00}. This was interesting because when I opened the account on XXXX XXXX, I was told by XXXX XXXX XXXX who opened the account for me at the XXXX, VA branch XXXX that as long as I maintained a balance of at least {$1500.00} that the fee would be waived, and that the minimum balance requirement was waived for the first two months that my account was open. On XXXX XXXX, {$12000.00} were deposited to the account. This was well within the two month timeframe stipulated. Additionally, from XXXX XXXX onward, my balance did not go below {$1500.00} until I closed the account.
Because of the items described above, on XXXX XXXX, 2015 I went in to the XXXX branch and closed my account. Before I closed the account, I checked the account information in online banking and saw that the last pending item, ( which was an online bill payment to XXXX XXXX in the amount of {$1500.00} XXXX had cleared my account and no longer showed as " pending ''. When I was at the branch closing the account, I specifically asked the teller if she was showing anything in the account in a " pending '' status, and she indicated that she did not. In addition, my XXXX XXXX account showed a credit posted to the account on XXXX XXXX, 2015 in the amount of {$1500.00}, which was the online bill pay transaction. On XXXX XXXX, 2015, I received an email and a phone call from XXXX XXXX indicating that the {$1500.00} payment from TD Bank had been returned. I immediately called TD Bank 's customer service number to find out what happened. The customer service representative initially told me that she had no idea what I was talking about and that she reviewed my account and did n't see any record of a payment to XXXX XXXX and did n't show me having a balance of {$1500.00}. It took roughly a half hour and lots of time spent on hold while she looked into it further and concluded that TD Bank did not process the payment because I closed my account. She said that she did not know where the {$1500.00} was and that I needed to go in to my local branch to get the issue resolved because my account was showing a {$0.00} balance. A little while later that day I went to the XXXX branch and spoke with XXXX XXXX. She looked at my account and similarly could n't figure out what had happened and did not know how to go about getting my {$1500.00} back. She made a call to another office, and apparently they told her that she needed to send an email to central processing to request that they send me a check. XXXX indicated that she would follow up with me by the next day to let me know the status of my reimbursement for the {$1500.00}. I never heard anything back from XXXX. I still have not received the {$1500.00}. I have not been contacted by TD Bank at all over the course of this issue. Additionally, because of the returned payment, XXXX XXXX charged me a returned payment fee of {$27.00}, and I incurred interest charges in the amount of {$57.00} because the returned payment resulted in my account carrying a past due balance.
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| 05/24/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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Monday, XXXX XXXX , XXXX XXXX XXXX 13 mi nute call Called customer service to report unknown pending charges on my account. Three {$44.00} charges ( totaling {$130.00} ) fr om XXXX Six {$0.00} charges from XXXX Explained that I would be leaving the country on XXXX XXXX , XXXX . Representative canceled my then current debit card and informed me that I would need to pick up a new debit card from a TD branch. Representative said that the claim was filed with a request to expedite and that I should expect to see a refund to my account in 7 10 business days. Tuesday, XXXX XXXX , XXXX Branch visit Went to TD bank in XXXX , PA to obtain a new debit card. Explained to representative that my card had been compromised. Was set up with a new card, told again that my previous card was deactivated and there was a claim filed. Friday, XXXX XXXX , XXXX XXXX XXXX 3 minute call Found a charge on my account that was previously missed, called customer service to add it to the list of charges. The pending charge for {$0.00} was from XXXX XXXX XXXX . Was told by the representative that it would be added to the list under XXXX . Wednesday, XXXX XXXX , XXXX XXXX XXXX 21 minute call Called customer service to check the status of my claim. Was told there was no claim on file and that I could file a new claim, which would take an additional 10 days, and be transferred to a supervisor to speak with about expediting. Thursday, XXXX XXXX , XXXX XXXX XXXX 19 minute call Called customer service to speak to a supervisor. Was told that the claim was not filed on XXXX XXXX and that the claim would be filed today. When I asked about expediting and was told, I can send it, but you wont get it. Expediting is for those who are experiencing fraud and are in dire need and How would you feel if you were in dire need and we pushed your case aside to help someone elses first? Again, I was told that this process would take an additional 10 days. She apologized for not being able to do anything else. Thursday, XXXX XXXX , XXXX XXXX XXXX 48 minute call Called customer service, asked to speak to a supervisor. After being told multiple times what the policy is, I was finally transferred to a supervisor. This supervisor also informed me of the policy. I explained that I had already attempted to file a claim, and on three different occasions, I was not told there was a claim filing issue. After being told multiple times that there was nothing more that could be done, the supervisor reached out to XXXX XXXX , TD branch manager, to help resolve my problem. Was told that my account would be credited no later than Tuesday, XXXX XXXX Monday, XXXX XXXX , XXXX 3 minute call Called XXXX at XXXX XXXX to inquire about a status report on the claim, was told I would be called back after XXXX spoke with the claims department Called again at XXXX XXXX , XXXX Informed me that he would call the claims department and call me back before the end of the day to let me know the status of my claim. Tuesday, XXXX XXXX , XXXX 1 minute call Called XXXX branch at XXXX XXXX and was told that XXXX was not in. Spoke to XXXX , assistant manager, who informed me that XXXX did not reach out to the claims department until earlier this morning. XXXX said that he would try to be in touch with XXXX and would call me back today regarding my expedition request and credit to my account. Called XXXX branch at XXXX XXXX to speak with XXXX . He informed me that he was in touch with XXXX , and that XXXX said there was nothing that he could do and that he never said my account would get credited.
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| 11/02/2016 |
Yes |
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Web |
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XXXX XXXX 2016 : Yard card 's phone system was down in XXXX. On XXXX XXXX, 2016 I called to make my payment, as I always do and have for the last two years. I was unable to make XXXX 's payment on time. I called three separate times once at XXXX, another at XXXX and finally at XXXX, as Yard Card makes you pay by XXXX or you are late. I was unable to complete any payment that day. As I kept getting the same automated message that " my request could not be completed at this time. '' I called several times on XXXX XXXX starting at XXXX, and XXXX and finally was able to get through at XXXX to make the payment, I made the payment and was given the confirmation code XXXX. I knew they were going to charge me the {$39.00} fee initially but figured since the problem was theirs that it would not be an issue getting the fee reversed. I called and spoke with a woman who admitted that she knew the system was down and I was told a fee reversal " request '' would be issued and if accepted it would reflect on my next bill but I would still have to pay it before it could be reversed. STRANGE. I usually make my payments with the automated phone system but because of the issue with the XXXX payment I decided to speak with a representative for XXXX.
XXXX XXXX, 2016 : I called to speak with a representative to inquire about the removal of the XXXX late fee and to go ahead and make XXXX 's payment. I got XXXX. I made the payment by giving the representative my routing number and my account number. The representative repeated it and said the payment was submitted and gave me a confirmation number of XXXX Several days passed and I realized that the monies were not being debited from my account in a timely manner. I then on XXXX/XXXX/16 received a letter that said that the payment that I gave had been rejected. I called to ask why, they said that I provided them an account number that was invalid. I asked what account number that would be and the person stated that the account ended in XXXX. I did have an account that ended in those four digits, however at the time I had n't had that account in over a year. If asked there would be no possible way I would be able to rattle off that account number by memory. I told the person on the phone that the representative must have decided to just use an account that was stored in the system, not my current one. ( I have attached proof of how long I have had this current account and that I have always maintained enough money to cover yard card at any given point. ) The representative stated that is most likely what occurred and assured me that it would be taken care of and that any fees associated with this or last months issue would be taken care of. I then authorized that representative to go ahead and make the payment again. I gave my account number and my routing number verbally, she repeated it to me and I confirmed it. She said she submitted the payment and I was given XXXX as my confirmation number. She said that I would be received a call about the issues and to give it at least 24-48 hours to hear from Yard Card/TD Bank. This payment was also rejected. No one has a reason as to why or how and could only tell me that they would have to " go pull the phone call '' to determine what happened, I told them I would wait. Moments later they came back and said that they would resubmit and take care of the issues which included another NSF/Invalid account charge. ( I had to shorten my complaint to fit your system ) The same thing happened in XXXX. Once all the fees were removed I was satisfied until I saw that they reported my account 60-89 days late on my credit report. I was shocked. I need it removed. It made my score go down XXXX points and it not accurate. I am asking resolution before I take further action.
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| 03/03/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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On Friday XXXX XXXX, 2015 I went to XXXX XXXX in XXXX XXXX, XXXX. When we arrived, XXXX, the salesperson took us to drive by the XXXX XXXX. We stopped by to see a few trucks in the XXXX XXXX parking lot and we headed back inside the dealership. Once inside, XXXX said there was a XXXX Silverado and we asked about the price. We negotiated a price and we asked to see the truck. XXXX said they did not have the key and they needed to get the truck ready but for us to head over with the finance person to get paperwork started. After waiting for hours for the finance person to be ready to help us, we went inside the finance office.
The finance manager said we were going to start paperwork. It was already a Friday at around XXXX XXXX, so he said that we were going to start signing papers and on Monday he would finish, we would take the down payment, and we would get the truck. I am not sure which papers were the ones that I signed, but they were just to get started with financing and nothing was to be final. When we were getting ready to leave at night that day, they said that out of courtesy, XXXX was going to let borrow one of their trucks to drive home to XXXX XXXX and return Monday. BUT I NEVER HAD THE KEYS TO THE TRUCK I WANTED TO BUY AND I DID NOT DRIVE THAT TRUCK AT ALL.
On Monday XXXX XXXX, 2015, me, my son and my daughter returned to XXXX XXXX to finish the paperwork to buy the new vehicle. When we arrived they showed us the XXXX Silverado for the first time. There were some details on the truck that we did not like. The truck they had promised had more features and was less standard. I believe that it was supposed to have chrome handles, a backup camera, a sprayed bed liner, and tinted windows, along with other features. At the time we expressed to the salesperson it was not what we had agreed on. So we offered to still buy the vehicle but to re-negotiate the price or add the features that we had requested. The salesperson and the manager did not want to negotiate. Therefore, we told them we did not have a deal and they said it was okay, so we left the dealership without a truck.
On Tuesday, XXXX XXXX, 2015, XXXX the salesperson called me and said that they could work something out. However, on this day we had gone out to our local XXXX XXXX in XXXX XXXX, XXXX to look at the truck we were looking for. So I told XXXX that we were already looking for another truck. We purchased a XXXX XXXX from XXXX XXXX, which was financed through XXXX XXXX.
After that, we never heard back from XXXX XXXX or the salesperson. Around XX/XX/XXXX, we received a bill from TD Financial asking for a payment on a vehicle. I called to figure out what the bill was for. TD Financial said it was for the purchase of a XXXX Silverado from Viva XXXX. I explained to them that we did not purchase the vehicle and they said I had to call the dealership. I then called XXXX XXXX to speak to the financial manager. I was unable to speak to anyone because on all the attempts, I was just forwarded to voicemails. I left a couple of voicemails.
The following month, in XX/XX/XXXX I received another bill from TD Financial. Again I called to explain that I did not purchase the vehicle. I talked to several people within TD Financial, and they were able to open a claim. They again advised me to talk to the dealership. I was able to speak to someone at XXXX XXXX from the finance department. Needless to say, I never received a call back from anyone at XXXX XXXX.
I did not agree to purchase this vehicle and I never gave a down payment either. Also, I never stepped foot in this vehicle, therefore I did not drive the vehicle at all. The person in charge of doing the finance for XXXX XXXX arbitrarily submitted paperwork for finance on a vehicle that I did not agree to buy.
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| 12/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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This is our second attempt via CFPB, as TD 's first response was ( yet again ) generic.
TD responses are either generic, or a toss specific terms that, while related to our specific situation, are inaccurate or skewed in favor of supporting the lending department. Specific points ( such as the one right below ) have been consistently ignored by TD..
ONE CLEAR EXAMPLE ~ TD Bank failed to show for a closing. EVERYONE was present tat the table ... .buyers, realtors, builders ... .nothing from TD Bank. No one sending the final documents ... not a response from TD Bank for an hour after scheduled closing time. Everyone started leaving - no even an apology for TD Bank. We were already paying Per Diem Fees and TD failed to show, forcing closing several day out into the following week. TD would not accept any responsibility nor cover even the per diem fees for the now show. This is the tip of the iceberg, an easy example for someone to see the customer perspective ( which has been missing from this entire process. ) In aggregate we incurred excess of {$8000.00} of additional fees at the closing table plus higher interest for the life of the loans.
We had two loans w/TD Bank that closed XX/XX/2019.
Loans that were furnished were not the same as the loans that were promised.
TD Bank kept changing the goal posts clear to the end of the process eventually landing at in what TD labels as the need to change product types as we did not qualify for said programs ( mind you the bank initiated and proceeded with our loans as qualified. ) Goal posts kept changing and qualifications were not fully disclosed as we continued to learn new twists and turns as we approached the closing date. We were promised NO POINTS, NO LOCK FEES. Each CD we were asked to sign showed said fees and we were told to just sign them as they are never accurate in the beginning ( and by not signing we would be delaying the process, which was already at risk ) - so we signed in protest and specifically called out the points and lock fees that we were told would be removed. They were never removed ... manipulated and lied to throughout the process.
TD lending manager stated they were entitled to more 'of the business ' with these loans.
In addition to the product changes, TD Bank missed closing dates forcing us into default and per diem fees w/builder. TD states closing dates were missed due to client 's efforts to qualify for said program ( which we state are a result of learning about new qualification requirements throughout. ) We assert that TD did not allocate appropriate time to work on the loans evidenced by weeks and weeks of no progress with no attention until we were approximately 6 weeks from original closing dates ... .evidenced by the agent stating delays because no one wanted to touch the loans, evidenced by all the delays blamed on vacation and unknown reasons .... evidenced by TD Bank failing to show for closings ( ie. on one closing date another department did not know how to handle a 1031 exchange so it never got done ... forcing a TD Bank no show ... ) evidenced by lost paperwork and documentation throughout. Inexcusable - and all of these problems, miscommunication and misinformation, outright deceit hit us for thousands at the closing table plus paying extra each and every month in mortgage payments.
We seek a summary showing TD 's understanding of these issues from the customer perspective. We are seeking someone to address the each point we have presented one-by-one in the past, not brush over w/a generic statement from a CSR to check off a box that TD Bank responded to notice.
Fixing these problems would include reimbursing the extra fees paid at closing and adjustment to the loans to match what was offered, what was accepted.
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| 02/28/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Late or other fees
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Web |
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XX/XX/XXXX I received a letter from TD Bank Americas most convenient bank. Stating that my account ending in number XXXX is overdrawn. I went personally into my TD branch in XXXX XXXX XXXX and had to make a specific meeting with a representative in the branch to deal with this issue and find out what happened to my account. I was there for two hours. The branch representative called for me and authorized me but they could not even find my account number they couldnt find my name they couldnt find my social insurance number and they were nothing but rude and nasty even to the other TD branch representative even though I had all my paperwork in my hand from opening the bank account they said they couldnt help me they couldnt find me there was nothing they could do so I made a second appointment to come in the next week after I had gone home and tried to find more documentation to bring with me to the next appointment. At the second appointment myself and the TD branch representative were physically calling for me and again she authorized me, we got nowhere. All the representatives on the TD US side were very unhelpful and uneducated in their job. We asked for a supervisor or a manager to come on the phone they refused and said there wasnt any way we could do that so we put a request for a callback which was supposed to be done within 24 to 48 hours. We were finally able to get a little information and we were told that there was a cross-border transaction on XX/XX/XXXX for XXXX dollars that was done and by that transaction being done the fees that were taken out of the account but were not replace until the following business day, which put me in under my hundred dollar limit. This then set off the computer system saying that I was below my hundred dollar limit and started eating away every month at my {$120.00} limit in monthly service fees. They are now saying that I need to pay them {$16.00}. The representative that both I and the TD branch representative spoke to you on the phone said he put through a Note into my file that they would remove the {$16.00} to bring my account to a non-owing balance. This was in a charge off department and collections recovery phone number XXXX. This would not have occurred if their computer systems had done things properly and refunded my me to me transfer fee immediately after the transactions when it was supposed to.
Several weeks went past and I have not received one phone call I called in two times in the month of XXXX and requested supervisor callbacks and not one phone call was returned. I called XX/XX/XXXX and spoke to a female representative with the ID number XXXX, she said there are no notes in my file except the request was put in XX/XX/XXXX and XX/XX/XXXX And thats all it says. She said she put in a request for a supervisor to call me back, I asked her why there were not any notes I asked her why no one had called me and her response was I dont know I cant tell you anything. I called again on XX/XX/XXXX and I spoke to a female representative with ID number XXXX I was on hold for 37 minutes. I. Advised her of the situation that I needed to speak to a supervisor and had requested several callbacks.The representative did not want to assist me she said she could not find my account number which my account number is XXXX which is exactly how the other representative looked me up XX/XX/XXXX she tried to pass me off and transfer me to customer service and I told her she cant transfer me I have to speak to her or someone in her department she continued to speak over me and argue with me after I told her I know what Im doing Im calling and I need to speak to the collections department. She said that she cant deal with me and she is terminating the call and then she Hung up on me.
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| 11/02/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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In XX/XX/XXXX, I went to TD branch bank located in XXXX, New Jersey to apply for direct payment for both my mortgage and home equity loan. The summer before in XXXX and XX/XX/XXXX we were late on our home equity payments. I went on vacation and I thought I had paid both loans ( mortgage & home equity ) together as I have always done in the past but the difference was that I paid for two months. I have XXXX other accounts with TD bank all on direct payments. XXXX of them are for the same amount as the home equity payment of {$85.00}. What happen was that I double paid on XXXX account thinking it was my home equity loan. Clearly that was our error.
In XXXX XXXX, the branch manager ( XXXX XXXX XXXX XXXX assisted me in placing our application in the bank computer system. XXXX XXXX told me it would normally take XXXX payment cycle to go through. I would have to pay my XX/XX/XXXX Mortgage and Home Equity payments. As it turns out in XXXX, when I went to pay my loans the teller informed me that the loans have already been paid. 'When I left for vacation in XXXX, I had no reason to think that anything was wrong. I was not informed in anyway by the branch or by any TD BANK department of this matter. The branch manager ( XXXX XXXX XXXX ) admitted in XXXX that she caused the error in the set up of my application for direct payment for my Home Equity loan. The department rejected the application twice and twice she resubmitted the form. I did not know any of this until she told me in XXXX. XXXX XXXX explained the situation many times to the loan department.
TD Bank always sends us promotional emails. Never once did they email us that the bank did not receive payment for our loan. Were ever informed us that our application did not go though because bank error. The loan department keeps saying that the fault for the late payments is totally our responsibility. They will not accept any responsibility for this entire matter. If at anytime ( the bank, who rejected the application or XXXX XXXX XXXX the branch manager who filled out the form incorrectly and received the rejection form ) would have contacted us, by email or phone, we could have easily resolved the situation.
I applied for direct payment to avoid a repeat of what happen XXXX. All my other direct payments inform me that my payments are due and they confirmed my payments via email. If you look at all of our records except for last XXXX, we were always prompt with our payments. We have been a customer of TD bank since you took over for XXXX Bank and I was also a customer of XXXX Bank since they took over XXXX XXXX Bank since XXXX.
The way TD Bank policy is enforced, by the time I would have received the notice by mail indicating that I was late on my payment it would have been over thirty days whereas my credit would have still been compromised. The bank has created a no win situation and they refuse to take any responsibility for creating this situation.
On XX/XX/XXXX, I went to the XXXX branch of TD bank, to find out why I received a late payment letter. The head teller XXXX XXXX XXXX XXXX XXXX made it clear it was the bank 's error with the installing of the auto payment set-up. XXXX XXXX spoke to someone on the phone from the loan department at its headquarters in XXXX, New Jersey. The person told her " the bank will correct the error and correct my line credit by removing the mark. '' The only issue was that it would take two months before it would be removed.
At least five representatives at my branch ( listed below ) aided me to resolve the problem with the loan department. We lost count how many times each of the representatives told the loan department personnel that the error was the branch 's mistake. I went to the bank at least three times a week from XXXX
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| 01/16/2017 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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We are writing to complain about a TD Bank loan contract and its enforcement. We were charged nearly {$18000.00} in interest and principal payments on funds that were never disbursed.
In XX/XX/XXXX, my wife and I obtained a loan from TD Bank under its Construction-Permanent Loan Program to build a new home. The loan has a construction phase of up to 12 months ( when it is interest only ) and then converts into a 29-year fixed-rate mortgage loan on the constructed property. Part of our loan financed the purchase of the land, and the rest of the construction loan was to be disbursed as construction proceeded over 12 months.
In the year to XX/XX/XXXX, we were unable to get the construction started because the local neighborhood commission did not approve a curb cut. The plans had to be revised and re-submitted to the XXXX for approval, and the whole process delayed the start of construction. By XX/XX/XXXX, we had not made a single draw on the construction loan. In late XX/XX/XXXX, we received a notice saying that the loan had been disbursed and converted into a mortgage, and that we had to pay interest on the entire amount.
We contacted the loan officer on XX/XX/XXXX and pointed out that the house construction had barely begun and no draw on the construction loan had been made. With no house in existence, the creation of a mortgage did not make sense. In effect, TD Bank had neither given us the construction money nor made a payment on our behalf to a third-party. Hence, the " construction loan disbursement '' was a fiction and we should not have to pay interest on construction funds that had not been disbursed.
The mortgage loan officer, XXXX, informed us that the only option we had was to refinance the loan. While not sure this was the only option, we agreed to refinance the loan and pay the cost of doing so ( almost {$8000.00} ) since construction had by then started. But we reiterated that we should not be charged interest on construction funds that had not been disbursed. We asked for a meeting with a decision maker in the XXXX area. The loan officer said he would have a senior manager call us.
After repeated requests and a two-week delay, XXXX [ Regional Sales Manager based in XXXX XXXX, ( XXXX ) XXXX ] called me. When I explained the situation, XXXX agreed that we should not pay interest on money we had not yet drawn. He then said that he would have a manager in mortgage lending give us a call.
I spoke to XXXX [ VP, Retail Lending Operations, based in XXXX, ( XXXX ) XXXX ] on XX/XX/XXXX and she too agreed with XXXX assessment, but said that she would check and get back to me. As we continued to incur hefty daily interest charges, on XX/XX/XXXX, I sent a letter to XXXX and to the TD Bank Operations Center in XXXX, XXXX.
A few days later XXXX said she could not do anything more for us and if we wanted to pursue the matter further we should lodge a complaint with the TD Bank Chairman Service Center at the phone number ( XXXX ) XXXX. I called the number twice and left my name and number, the last time on XX/XX/XXXX, but I have yet to hear back.
We believe the interest and principal payments on funds that were never disbursed should not have been charged. We want TD Bank to refund these payments in full.
Another issue that has arisen repeatedly is the mortgage loan officer urging us ( in writing ) to approve the drawing of funds by the builder from our TD Bank construction loan account, even before we receive the inspection report on the required work that has to be completed before a draw. This is simply inappropriate behavior and reflects a careless attitude towards the use of a client 's funds.
We would appreciate the assistance of the CFPB in seeking a response and resolving these matters.
|
| 03/04/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
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Web |
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I recently had a problem with my Nordstrom Credit Card, and I would like this situation duly noted and/or reversed in my credit file, as my FICO score has now taken a hit as a result of Nordstroms error. I remind you that under the Fair Credit Reporting Act and the Consumer Protection Act, you have an obligation to do so immediately.
I have been a Nordstrom Credit Card holder for more than 13 years, spending tens of thousands of dollars with them over the lifetime of my loyalty to them. During this time, I was also a Nordstrom Loyalty customer, and I regularly received reward certificates for my spending.
In XXXX, in XXXX XXXX, I made a {$1200.00} purchase for a business trip to XXXX. I was traveling a lot for work and out of the country, so when I finally returned home, I received my XXXX statement in the mail, and I realized I was two days late in paying my bill, so I used the automated phone service Nordstrom has to pay a bill online ( this is a 24/7 bill pay phone number at XXXX ).
I paid the amount in full on XX/XX/XXXX, and I immediately received an automated billing confirmation number and payment proof was also received in writing when reflected on my next Nordstrom statement ( SEE ATTACHMENT # 1 and # 2 indicating payment on XX/XX/XXXX while a late fee for {$37.00} was assessed and charged on the same day payment was due - redacted for this version ).
When I received my following months statement, 2 statements later, not only did the payment show as adjusted and reversed, but I had received a collections notice, too, indicating that my account had gone to collections and was now reported to all credit agencies ( ATTACHMENTS # 3 and # 4 - redacted for this version ).
When I contacted the collection agency, they did not understand the issue, so they had to patch in someone from customer service at Nordstrom, whose name was XXXX XXXX ( not her real name, Im sure ). A very terse and unhelpful Ms. XXXX said that their automated payment system had used an account for my bill from a bank account we no longer have open. This account at XXXX XXXXXXXX XXXX has been closed since XX/XX/XXXX! I buy at Nordstrom multiple times per year. How could they have on file, an account that has been closed for 7 years!? Ms. XXXX also indicated that they did not have an email or phone number on my account, which is not true. I regularly receive emails from Nordstrom - both promotional and billing related. I never received an email notice or phone call or letter ( other than my statements ) indicating that this account was late or not paid, and I never received notice that they were using a closed bank account that had not been open for 7 years.
Nordstrom has had several credit breaches. Most recently, a security breach in XXXX, XXXX. What has likely happened is that during one of their breaches, they had to restore their customer account systems, and they picked up an old and expired customer record for me, which included this closed/invalid account at XXXX XXXX XXXX. What I can not understand is how their automated payment system allows a payment to be accepted, go through and be verified as paid without having to confirm that its a valid and open account? Is this not the definition of wire fraud?!
When I challenged Ms. XXXX, she admitted that I had made a payment online with good intent, and therefore, she agreed to dismiss any late fees ( for which I recently received a check for {$99.00} ). But, the damage is done. It was reported to credit agencies already. I asked her to report this situation to the Big 3 credit agencies, so that you can note this problem and provide an explanation in my records, but she refused to help me in any way.
And, for this reason, I asked her to close my Nordstrom account forever.
|
| 06/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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|
Web |
Older American, Servicemember |
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THE FOLLOWING ISSUES ADDRESSES OF THE REPORTING THE MAXIMUM DELINQUENCY DAYS AND IS A DIFFERENT ISSUE AS THIS IS NOT A DUPLICATE COMPLAINT.
TWO ISSUES LISTED BELOW FIRST ISSUE XXXX XXXX, has ignored my requests to correct and investigate, as in reporting to my credit file where the Maximum Delinquency of 30 days in XX/XX/2016 for creditor TD Bank USA/Target Credit # XXXX.
SUPPORTING ATTACHED DOCUMENTS Item 1 ) TD Bank USA/Target Credit # XXXX reported on XX/XX/2016 Account status OK.
Item 2 ) TD Bank USA/Target Credit # XXXX Maximum Delinquency of 30 days in XX/XX/2016. Account status.
Item 3 ) TD Bank USA/Target Credit # XXXX reported on XX/XX/2016 Account status. C/O Under Federal Bankruptcy Code requires all creditors to freeze as in hold, all actions until the Federal Bankruptcy Court adjudicates the Bankruptcy Chapter XXXX.
XXXX XXXX XXXX filed Bankruptcy Chapter XXXX on XX/XX/2016 and the Bankruptcy Chapter XXXX was Dismissed on XX/XX/2016.
WHEREAS, Items 1, 2 and 3 are in violation of the Federal Bankruptcy Code as the Account status for XX/XX/2016 can not be reported. Account status for XX/XX/2016 can not be reported as Delinquency of 30 days. Account status for XX/XX/2016 can not be reported as C/O as the account was in Bankruptcy Protection and can not be charged off until the Federal Bankruptcy Court adjudicates the Bankruptcy Chapter XXXX. Which was done on XX/XX/2016.
The aforesaid periods were in Bankruptcy Protection where XXXX XXXX XXXX filed Bankruptcy Chapter XXXX on XX/XX/2016 and the Bankruptcy Chapter XXXX was Dismissed on XX/XX/2016.
POST Dismissal of XX/XX/2016, TD Bank USA/Target Credit # XXXX under the Federal Bankruptcy Code as the account was in the same active status before the filing on XX/XX/2016 where the debtor can resume paying on the account. This was denied by TD Bank USA/Target Credit # XXXX.
SECOND ISSUE XXXX XXXX, has ignored my requests to correct and investigate, as in reporting to my credit file where the Maximum Delinquency of 60 days in XX/XX/2016 for creditor TD Bank USA/Target Credit # XXXX.
SUPPORTING ATTACHED DOCUMENTS Item 1 ) TD Bank USA/Target Credit # XXXX reported on XX/XX/2016 Account status OK.
Item 2 ) TD Bank USA/Target Credit # XXXX Maximum Delinquency of 30 days in XX/XX/2016. Account status.
Item 3 ) TD Bank USA/Target Credit # XXXX Maximum Delinquency of 60 days in XX/XX/2016. Account status.
Item 4 ) TD Bank USA/Target Credit # XXXX reported on XX/XX/2016 Account status. C/O Under Federal Bankruptcy Code requires all creditors to freeze as in hold, all actions until the Federal Bankruptcy Court adjudicates the Bankruptcy Chapter XXXX.
XXXX XXXX XXXX filed Bankruptcy Chapter XXXX on XX/XX/2016 and the Bankruptcy Chapter XXXX was Dismissed on XX/XX/2016.
WHEREAS, Items 1, 2 and 3 are in violation of the Federal Bankruptcy Code as the Account status for XX/XX/2016 can not be reported. Account status for XX/XX/2016 can not be reported as Delinquency of 30 days. Account status for XX/XX/2016 can not be reported as Delinquency of 60 days. Account status for XX/XX/2016 can not be reported as C/O as the account was in Bankruptcy Protection and can not be charged off until the Federal Bankruptcy Court adjudicates the Bankruptcy Chapter XXXX. Which was done on XX/XX/2016.
The aforesaid periods were in Bankruptcy Protection where XXXX XXXX XXXX filed Bankruptcy Chapter XXXX on XX/XX/2016 and the Bankruptcy Chapter XXXX was Dismissed on XX/XX/2016.
POST Dismissal of XX/XX/2016, TD Bank USA/Target Credit # XXXX under the Federal Bankruptcy Code as the account was in the same active status before the filing on XX/XX/2016 where the debtor can resume paying on the account. This was denied by TD Bank USA/Target Credit # XXXX.
|
| 05/18/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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Web |
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XXXX I opened a HELOC from TDBank in XXXX, NH. I had a construction project that I needed to have done on my house and the original intent was to set aside {$30000.00} which is what the builder needed to accomplish the task. I spoke to the bank and the monies were taken out of the HELOC, set aside as a fixed rate loan with a monthly payment. The loan officer told me that these monies would never be available for me to use again. I was comfortable with that information since my purpose was to have the home repair done. As you can see from the attached documents this occurred in early XXXX. the HELOC was a 10 year draw and the account closed in XXXX of XXXX. As of that date I have not been able to draw any monies out of the XXXX and have been in repayment only. The amount that the bank wanted me to pay monthly in XXXX of XXXX was approx. {$800.00}. This was a large sum for me considering that I was still paying on the house mortgage. ( The house mortgage was paid off in XXXX of XXXX ) I spoke with TDBank and was told that the fixed rate portion of the HELOC was almost paid off - I owed approx. $ XXXX ( I don't remember the exact sum but, if necessary, I have the documents and can provide this. ) If I could pay this remaining amount owed I would be able to bring down my monthly payment to approx. {$500.00} and this is what I did. I finished paying off these monies in XXXX of XXXX. I have been in repayment only since XXXX of XXXX and have not drawn anything off of the account since that time.So ... ..My branch bank helped me finish paying off the fixed rate part of the loan and I appreciated their help. However, I did notice in XXXX of XXXX that the {$30000.00} was still included on my monthly statement. I spoke with the local branch manager, XXXX XXXX, who made phone calls on my behalf, said that there was some type of late fee which equaled {$15.00} and she would pay it out of the bank kitty. So done, I was thrilled, and she congratulated me! However, the amount never did come off of the statement. I was busy with work committments, job change and other life issues. Approximately one year later though, in XXXX, I did try to contact XXXX again. XXXX was now at another branch and it was difficult to reach her. However, I finally did, she 'sort of ' remembered but when I asked her to look into my account she wasn't able to assure me that, in fact, everything was paid as I had previously understood. This is when I originally made my complaint after speaking the State of New Hampshire who directed me to you. Please note the attached documents. I have included the initial statement from XX/XX/XXXX when the HELOC was granted ; the letter anouncing the loan amount in XXXX ; a statement from the folllowing month where you can see that now the {$30000.00} has been deducted from the initial HELOC amount of {$50000.00} ; later statements also show that those monies were always considered " spent '' and never part of my available balance. I have also attached the letter that I received from TDBank in XXXX as a reply to my CFPB complaint. What I don't understand is that in the letter it seems that the person is stating that somehow as I paid the {$30000.00} off the monies became available to me again in the HELOC ( or the {$200000.00}. This doesn't quite ring true to me. Since I know that when I would look at the HELOC I can remember only having perhaps, {$100.00} or some smalll amounts available and this would be basically available when I paid the monthly payment, i.e. as a credit card makes monies available. I realize that the {$20000.00} remaining in the HELOC was, in effect, a credit card. However, since XXXX when I finally paid off the fixed rate loan, I have made monthly {$500.00} payments which equals $ XXXX/year.
|
| 09/23/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
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|
Web |
Older American |
|
Please help me to better understand my dilemma with TDBank. I was having difficulty with my banks services. Apparently TDBank was having difficulties with software during the last holiday period of XXXX XXXX XXXX. I was transferring funds and attempting to make a billpay to XXXX XXXX. Of XXXX dollars. I keyed in my amount and then saw it popped up as the higher amount of XXXX which surprised me as this was an amount I had transferred to cover bills at the time, and I then cancelled. But the system closed on me. I then called and called and called the bank whick was crazy busy. And was yold systems were down to call later. I elained to the TDBank phone rep my dilemma and she helped me go to my bank page to see what was going on. There was a zero pending and a zero amount and zero going out. And we agreed to wait for my XXXX. Payment till the system cleared up.
And I did,, then I noticed the amount of XXXX was attempting to debit from my bank account. I called and was given the bill pay dept., they were upset I was trying to cancel. I told them this was not my financial paymentof choice of XXXX and I did not owe this amount and it was then to be am overpayment did not wish to make. They argued and said I was going to pay it and that was that! I had no way out and they did not see a cancellation by me? I told them maybe because the software system was having troubles. They said ths never happened and I was still paying this amount no matter what! This s is a new account so I tried to get it cleared up, but kept running into the same rederick and speech. I told them the bank saw the error at fitst call. And even gave me back the overdraft they had charged me with. I said I am not paying this and XXXX.this amount and XXXX XXXX agreed to this too and was sending back the checkmto them. Would only ask for payment once as I checked this with XXXX. And explained my dilemma to them throughly. I also talked with finesev. The company who TDbank uses and they said they tried twice and never got any refrence of non payment and the money finesev paid out was returned to them also. So I owed nothing to XXXX.And the bill pay company finesev And both sad I was in good standing with them. So again I called TDBank bill, pay. And was spoken to without truly ever understanding or clearifying why my acoount that yet has a negative XXXX on it?
I spoke of non disclosure, and the man XXXX spoke but did not clarfy the total amount. I was on the phone for 2 hours or so. And he said my other charges caused my overdrafts as the XXXX was still pending even f I did not want it paid, it was in the system. So the system dictates not the customer n this case! I have been speaking to TDBank since the XXXX of XXXX 2016. And have yet to see how this XXXX '' adds up?
Each transaction over draft would equal to XXXX dollars each and how many have they claimed, XXXX did not add them up according to my statement that he went over with me by my request. How can I owe overdrafts and monies in the exact ampunt of the bill pay they are extracting plus the very same overdaft fee of XXXX each? This makes no sense to me? If I had the overdrafs they clamed it would total XXXX XXXX = XXXX and out XXXX this leaves XXXX dollars yet unaccounted for as owed, how!
Make it plain to me I asked.
Please come to my aid. I have looked up TDBank 's recored and it is not a pretty one on overdrafts. I have hadvthem overturn them tor me before due to finding the overdrafs not only excessive but brutal and not always warrented.
This their aruguement with me now, hum they play false I find out and I am penalized?
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York, XXXX XXXX XXXX My banking acoount is XXXX I am sending my statement here for you to see. Thank y
|
| 09/06/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On XX/XX/19 I deposited {$600.00} into my account. My available balance was XXXX after the deposit was made. The receipt shows {$630.00} was made available. I made three transfers {$300.00}, {$150.00}, & {$20.00} which left me an available balance of {$160.00}. On XX/XX/19 I made a value reload to my XXXX XXXX electronic card for {$25.00} at XXXX {$25.00} was still pending and had not reflected in my available balance. On XX/XX/19 at XXXX I was overdrawn by $ XXXX. I had not authorized anything outside of XXXX to debit my account. The bank stole {$170.00} in overdraft fees claiming I made transfers prior to the funds being available. I made over 8 calls to the bank requesting they investigate my concerns as the receipt shows the money was made available. Screenshots show I had XXXX available after the {$300.00} transfers were completed. I asked the bank if there is ever a time where a transaction can be pending and simultaneously available/posted to someones account. They told me no. On XXXX I went from $ XXXX overdrawn to $ XXXX which included another {$35.00} fees totaling XXXX in fees. That same day my father and I put XXXX into our now joint savings account. The available funds were {$130.00}. This morning I discovered {$100.00} had mysteriously been debited from the savings account without anything listed on the transaction history to identify or indicate where the funds had debited too. In addition to that, there was a mysterious debit of {$5700.00} that left the account with {$230.00}. Please keep in mind on XX/XX/19 we had XXXX in our accounts. With the deposit of XXXX that would have brought our accounts to {$6000.00}. Even if there was a mysterious debit of {$5700.00} our account balance would have been {$330.00}. The ongoing inaccurate postings, stolen/lost money has not been resolved and TD Bank refuses to address these concerns. I have sent two emails, made over 8 calls, and sent a letter to the operations of deposits address outlined in the agreements, posted on twitter, alerted the FBI, and filed a complaint with my local PD. There were several authorizations from XXXX and XXXX and possibly one other vendor that I think were '' dummy transactions '' because they were authorizations of {$0.00} instead of the amount authorized for actual purchases. I made online purchases for my job and canceled the ones I no longer needed. I assumed the authorizations were just there for adjustment purposes. However, members of the bank 's fraud dept. should know how to identify unauthorized and/or dummy transactions and have the tools to be able to see it and stop it ( force stop ) when it's lingering for long periods of times. I could not address those concerns and or get to the bottom of everything because the Banks representatives who handled my concerns insisted TD Bank was not at fault for any errors I brought to their attention and refused to hear anything relating to the inaccuracies. Because the agents refused to actually review my account in its entirety {$7600.00} was stolen. I understand the CFPB does not investigate everything but as a victim of the XXXX breach and being very diligent with my information I am hoping you too will assess actions. I have notified the FBI, I have filed a report with my local police department. I plan to file small claims. I notified FTC, I am in the process of putting a freeze on my account. I just need you to fight on behalf of all consumers. This is unacceptable. It has been recommended that I notify the OCC, and AGO Consumer Protection division which I also plan to do today. Something is wrong with TD Banks system and they need to identify the errors and stop blaming customers for their lack of attention to the problem at hand.
Thank you for your time!
|
| 07/03/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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I am writing in dispute of inaccurate charges that have been added to my account # XXXX. I had called ( not an online purchase ) XXXX on XX/XX/20 and purchased a XXXX exercise bike. I was told that if I was not happy with the bike for any reason within 30 days I could return it for a full refund. I received the bike several weeks later and although I was told it would be delivered and setup, a large box was left at my garage door for me to assemble. I spent hours ( yes, LITERALLY hours over the course of four phone calls. I have phone records to prove it ) on the phone to rectify the shipping issue. It was after four phone calls that I was issued a refund ( {$100.00} ) for the delivery charge. I proceeded to use the bike for about a week. At this time I decided that I was not happy with the product and called to arrange a return/refund. That call was not successful since I was bounced around to several departments and ultimately disconnected after 47 minutes. I then called back and when I finally reached a customer service representative I was told that the returns were handled by a different department. This time I was sent to voicemail where I left a message and eagerly awaited the return call. I did not receive a call that day nor the next and I proceeded to call again. I finally was in contact with someone from the proper department and when I explained that I wanted to return the bike, it was no problem except the company that picks up the returned equipment was extremely backed up and it would take a few weeks to pickup the bike but the return was entered into the system. After three weeks of waiting with no phone call, I decided to call back and check on the return. It was at this time that I was informed that they are still delayed in picking up the equipment and that there was a {$250.00} shipping charge to return the bike. I had informed the representative that I was never told about a return delivery charge when I purchased on the phone and had I been told of such, I never would have purchased the bike in the first place. Upon my request, the representative attempted to transfer me to a manager and I was disconnected. At this point I was not spending another 45 minutes on the phone. A few days later I received a letter from XXXX XXXX stating that I had missed payments, accrued late charges and this negative information was going to be reported to the credit bureaus. I called XXXX XXXX and explained the situation to a customer service representative. She assured me that the late fee would be waived and sent out a dispute form to file an investigation. I mailed out the form on XX/XX/XXXX and they received it on XX/XX/XXXX. I know this because I mailed it with USPS Delivery Confirmation # XXXX In addition, I was told by the representative on the phone that once a dispute is filed all charges ( late & interest ) as well as payments are frozen while the investigation takes place.
On Wednesday, XX/XX/XXXX I received another strongly worded letter from XXXX XXXX about missed payments. I woke up on Thursday, XX/XX/XXXX to a notification from my credit monitoring service that they have reported it to XXXX and dropped my score 39 points. I was extremely irate and called them to explain the situation and demanded to speak to a manager/supervisor. I was told that I would receive a call back as they were not available at the moment. I never received a call and this morning ( Friday, XX/XX/XXXX ) I received another notification that they reported to XXXX and dropped that score 42 points.
I am EXTREMELY upset with the lack of professionalism that I have received from both XXXX and TD Retail Card Services and would like assistance in rectifying this problem that could have been easily avoided.
|
| 02/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
Older American, Servicemember |
|
TD Bank USA/Target Card is in violation of the following FederaXXXX Laws : 15 U.S.C. 1642, 15 U.S.C. 1637 ( a ), 15 U.S.C. 1637 ( b ) and hide the Securitization requirements.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Whereas, the credit cards issued under accounts # XXXX and XXXX was an illegal act by TD Bank USA/Target Card.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - TD Bank USA/Target Card is in violation of Federal Law, 15 U.S.C. 1642.
Federal law requires that no credit card shall be issued to any person except in response to a request or application for a credit card, 15 U.S.C. 1642.
I never made a request or application for their credit cards that was issued under account # XXXX and XXXX TD Bank USA, N.A. as successor in interest to Target National Bank failed to disclose when, how or from whom, I applied for or requested the alleged credit cards when it was requested by XXXX XXXX.
TD Bank USA/Target Card, under Federal Statutes 15 U.S.C. 1637 ( a ) requires every credit card creditor to fully disclose their rates, fees and other cost information in printed material, applications, and solicitations to open credit card accounts, before opening any account under a credit card consumer credit plan. TD Bank USA, N.A. as successor in interest to Target National Banks failed to disclose before opening the alleged credit cards account. Their failure to disclosed the rates, fees or other cost information in an application or solicitation, which is a statutory condition precedent to the accrual of a cause of action for breach of both credit card accounts.
Federal Law 15 U.S.C. 1637 ( b ) requires every credit creditor of any account under an open end consumer credit plan to transmit a statement to the obligor for each billing cycle at the end of which, there is an outstanding balance in that account or with respect to which a finance charge is imposed. TD Bank USA, N.A. as successor in interest to Target National Banks actions failed to allege that they transmitted to the XXXX XXXX the statements required by 15 U.S.C. 1637 ( b ), which is a statutory condition precedent to the accrual of a cause of action for breach of a credit card account.
Securitization a. That TD Bank USA, N.A. as successor in interest to Target National Bank ( and its affiliates ) enters into off-balance sheet arrangements know as securitization ; b. The securitization of loans has been a significant source of liquidity for TD Bank USA, N.A. as successor in interest to Target National Bank ( and its affiliates ) ; c. TD Bank USA, N.A. as successor in interest to Target National Bank ( and its affiliates ) typically uses special purpose entities to securitize its credit card loans ; d. In securitization of credit card loans, TD Bank USA, N.A. as successor in interest to Target National Bank ( and its affiliates ) transfers assets to special purpose entities and receives cash proceeds for the assets that have been transferred on a sales basis ; e. TD Bank USA, N.A. as successor in interest to Target National Bank ( and its affiliates ) transferred the credit cards loans to XXXX XXXX to special purpose entities ; f. TD Bank USA, N.A. as successor in interest to Target National Bank and its special purpose entities concealed the sales transaction from XXXX XXXX.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Because of TD Bank USA/Target Card, violations of 15 U.S.C. 1642, 15 U.S.C. 1637 ( a ), 15 U.S.C. 1637 ( b ) and hide the Securitization requirements, as accounts # XXXX and XXXX to be Null and Void and any monies paid by XXXX XXXX to be refunded.
|
| 11/15/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
XX/XX/XXXX - I walked into the XXXX, Connecticut TD Bank and applied for a home equity loan. I then uploaded requested documents. I was told that it typically takes 30-45 days but no more than 60 days, or XX/XX/XXXX, to receive funds.
XX/XX/XXXX - I received communication from XXXX XXXX informing me that I was credit approved.
XX/XX/XXXX - There was a minor issue and I needed to resend my paystubs and XXXX. XXXX sent an e-mail on this date saying " I have received the paystubs and XXXX. '' XX/XX/XXXX - I uploaded the escrow analysis for XXXX XXXX XXXX.
XX/XX/XXXX - After making several phone calls and sending numerous e-mails that were not acknowledged or responded to, I finally received an e-mail from XXXX saying, " The underwriter has advised that we need the following : last two pay stubs, XXXX and XXXX XXXX ( Please see note on XX/XX/XXXX saying these were already received ), signed XXXX and XXXX Federal tax Returns ( I can understand needing this but wonder why it took so long to ask ), XXXX XXXX-provide current tax bill showing church has ownership in property ( being a non-profit, religious organization the church does not pay taxes ). Within 2 hours I resent the first three items and asked for advice on the XXXX XXXX property.
XX/XX/XXXX - Being concerned that I was being asked for information I already uploaded and not hearing back from XXXX, I emailed her manager XXXX XXXX. I communicated my concerns and lack of response, and asked him to advise me regarding the XXXX XXXX property and provide me with a timeline regarding when I could expect an acceptance or denial letter, letter of commitment, and have the funds released. XXXX has yet to respond.
XX/XX/XXXX - I talked on the phone with my local TD Bank office. They apologized and informed me they would get me an answer within 24 hours.
XX/XX/XXXX - I visited my local TD Bank and talked with the branch manager, XXXX XXXX. She informed me that my case was assigned to a new case officer. Unfortunately, the new case officer was on vacation and would not be returning until the next day.
XX/XX/XXXX - As I had not heard anything by XXXX in the afternoon, I visited XXXX XXXX office again. She made several phone calls and assured me I would hear from someone before the end of the day. at XXXX I received an e-mail from XXXX XXXX informing me that my information had still not been sent the underwriter and asking me for the escrow analysis for XXXX XXXX XXXX ( see note on XX/XX/XXXX which when I had already sent that information ), a signed copy of my XXXX and XXXX Federal Tax Return ( see note on XXXX XXXX which is when I sent that information ), and the tax bill or mortgage statement for XXXX XXXX ( The church wholly owns XXXX XXXX so there is no mortgage information. Please also refer to my note of XX/XX/XXXX and XX/XX/XXXX where I ask for advice ). XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX were all CC 'd on this and subsequent e-mails. I responded within 30 minutes sending attachments of the documents requested and again asking for advice regarding XXXX XXXX XXXX offering to have the officers of the church sign a document saying they own it and I do not. I also repeated my request for a timeline on when I could expect an Approval or denial letter, letter of commitment, and funds released.
XX/XX/XXXX - I visited XXXX XXXX office. While there XXXX called at XXXX. I put her on speaker phone so XXXX could also hear and witness the conversation. XXXX said she had still not been able to look through the file or send it to the underwriter. She further informed us that it could take an additional 30-40 days if everything seemed clear. Later that evening she called to say she did review the file and would send it to the underwriter.
|
| 06/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I previously filed a claim with the CFPB ( XXXX ) regarding fraudulent charges on my TD credit card account and requested help with receiving documents from TD regarding my case, as well as receiving a refund for these fraudulent charges and the interest accrued as a result of these fraudulent charges.
The first round of fraudulent charges on my TD credit card account took place from XXXX XXXX, 2023 - XXXX XXXX, 2023 and resulted in {$2800.00} worth of charges. I reported this to TD on XXXX XXXX, 2023 when I first noticed the charges on my account ; I never received an alert regarding suspicious activity prior to this. The physical credit card was in my possession at this time ; however, I know that the card information was stored on a digital wallet such as XXXX or XXXX XXXX, as I received alerts on my account that tokenization occurred. I believe that the card information was skimmed and stored on digital wallets or on online accounts. Some of the fraudulent charges in XXXX were made online ( e.g. the XXXX purchases ) and others were done with contactless payment, which could be done with an NFC device storing my card information. Additionally, charges were made in a range of areas ( Maryland, DC, XXXX ) where I couldn't have possibly been at once. For instance, there were charges made on XXXX XXXX, 2023 in XXXX at the same time that I was using the card to buy groceries at XXXX in XXXXXXXX XXXX DC ( I am not disputing this XXXX transaction for {$210.00} ). Correspondence that I received from TD regarding this claim ( # XXXX ) are included in the files XXXX, XXXX and XXXX. The attachment XXXX is from the first time I filed to dispute the charges and was denied. TD listed it as 2 different cases, but I was able to combine them ( XXXX XXXX XXXX XXXXXXXX ; XXXX ) into 1 case file with the number XXXX. I filed a third time with TD on XX/XX/2023 to dispute these charges, but never received any correspondence regarding its status. I have since filed a fourth time with the case number XXXX on XX/XX/2023 and am waiting to hear back. There was also another round of fraudulent charges via XXXX on XXXX XXXX, 2023 ; these charges were refunded to my card ( case number XXXX ). Attachments XXXX detail these charges, as well as the refund to my account, and the correspondence I received from TD regarding this case is in the attachment XXXX. These charges also took place while I had my physical card in possession and after my first credit card was replaced. I believe that after my card was skimmed and the information was stored in a digital wallet, the credit card information updated automatically in that wallet and was able to be used by whoever stole my information. Given that TD refunded me for these purchases, I do not understand why they will not do the same for the previous charges, as the method of card storage and purchasing was the same.
I sent this information to the CFPB on XXXX XXXX, 2023 ( " Fraud letter XXXX XXXX '' ) and TD acknowledged that the CFPB had contacted them regarding this case ( " TD CFPB XXXX '' ) but has refused to send me any documentation regarding my case or to explain to me why certain charges related to my case ( detailed in " XX/XX/XXXX XXXX '' ) were refunded and others weren't. Their most recent denial of my case ( " XX/XX/XXXX XXXX XXXX' ) provides none of this information. I am requesting that the CFPB please request that TD send me all documentation related to my case and explain why, despite having a zero liability policy and with federal law requiring consumers not be liable for more than {$50.00} in charges that result from lost or stolen card information, is still claiming that I am responsible for some of these charges and is still charging me interest.
|
| 02/23/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I open up a checking account with TD bank sometime back. When the account was open. I was told it was a free checking account. I was also told in order for me to open a custodial account., I need to open a checking account. I was told it was free and never was told you need a minimal balance to maintain. So I open the account.
During all that time, I was never aware that the checking account I had, was charging me fees. Just for having the account. I had no way of knowing, what was going on with the account. Because, TD bank. never sent me any statement. So I was never aware what was going on with the account. I just assume, knowing I was not taking anything out, the account was fine.
On XX/XX/XXXX I receive a letter claiming that by account was charge fees. That I needed to be pay before the account was set to close, 20 days from when the letter was receive, and I had to pay {$24.00}. The letter was dated XX/XX/2017. However, knowing I just receive the letter, I assume the following weekend, I will be find to go to TD bank. Knowing that the week of XX/XX/XXXX, had snow and ice storm. So I said I will go to TD bank the following week. Once again, I just receive the letter on XX/XX/2017.
On XX/XX/XXXX at XXXX XXXX, I walk into the XXXX branch. To look into my account, to see what was needed to keep this account open. However, I was treated so disrespectful, and I was told by the branch, they could not look into my account. Because the account was close on XX/XX/XXXX. That they could not explain what happen, because the account was close. The lady helping me that night, said I can not help you and gave me number to call for collections. I ask the lady, can she call the main number for me to see what happen? The lady at the branch that night, said you need to find out for your self what happen. She refuse to make any calls for me. Nevertheless, the lady I saw that night also said collections dept close at XXXX, and I needed to leave because she could not help me. I then ask for supervisor or manager to speak to, and she told me everyone left at XXXX XXXX. That she had no supervisor or manager there. She only gave me the number to call for collections.
After I walk out the bank I call the collections dept, which she claim was close. I was able to reach someone that night. That is when I learn the whole story about this account. Collections said, I had online access. However, I never knew information to log in. Nevertheless, I did not want to do online banking, knowing I did not feel safe using banking online. I was then told, I had to keep a {$100.00} in the account, in order to have free checking. However, if I fall below that I will get charge {$15.00}. I was told to pay a settlement fee, which I feel I should not have pay. Knowing, I was never aware on what was going on with the account. I was not receiving any statments and I did not have any online access.
Now on XX/XX/XXXX, I went to the XXXX branch and pay to reopen my account. Then is where. I learn more about what happen. I then learn, if you do not shut down access online you will be charge {$1.00} a month. Then if I take any money out and replace it that same day, I will get hit with a {$15.00} fee. Because I went under right at that moment. Even if I pay what I took out that day, on the same day, I will get hit with that fee. Then I am told, if I want statments to be mail, I will be charge. I had to pay fees and reopen a new account. If I do not shut down my online access, I will be charge.
Seems to me, TD is just looking to make money and deceive customers when they open the account. Nevertheless, TD bank was deceiving customers with XXXX. which I use for many years. TD appears not to be up front with the customers.
|
| 07/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 To the Consumer Financial Protection Bureau ( CFPB ), Subject : Unfortunate Experience with TD Bank - Mishandling of False Situation and Unauthorized Reversal of Check I am writing to share my deeply unfortunate experience with TD Bank , which has left me deeply disappointed and frustrated with the level of service provided by the bank. As a growing small business owner for almost three years operating a XXXX XXXX XXXX business, I believe it is essential to make others aware of the challenges I faced when dealing with TD Bank.
My XXXX involves supplying restaurants, other wholesalers, and retail stores with high-quality fresh produce. I have maintained a positive and professional relationship with most of my customers for almost three years, ensuring timely deliveries and fair pricing.
Recently, I encountered a distressing incident with one of my long-standing customers. After delivering an order to this customer, I received a check as payment, which was the standard method we have been using for transactions without any prior issues. Following standard practice, I deposited the check into my business checking account through an ATM. The check was cleared, and the funds were reflected in my account balance the next morning.
However, the following day, the customer contacted me to cancel the check, citing dissatisfaction with our pricing. In a courteous manner, I addressed their concerns, explaining that our pricing is based on the costs incurred to provide top-quality products and services. I also emphasized their freedom to choose alternative suppliers if they were not satisfied with our offerings. At no point did I pressure or coerce the customer into working with our company ; it was their decision to collaborate with us.
Despite my professional response, the customer decided to take matters into their own hands. They made false claims to their own bank, seeking to reverse the check they had issued to me. Unfortunately, TD Bank accepted their false claims without seeking any verification or clarification from my end, leading to the unjust reversal of the check. This resulted in a significant financial setback for my business.
In an attempt to rectify the situation, I reported the matter to the XXXX Connecticut Police Department, where the customer 's restaurant is located. The owner of the check confessed to the police about his lying efforts and misleading information and promised to address the issue he had caused. However, he failed to take any action to correct the situation and even refused to cooperate.
I also informed TD Bank about the customer 's deceptive actions and provided them with supporting evidence, clearly demonstrating the false claims and manipulation of information. Unfortunately, the bank remained unresponsive and provided no satisfactory information as to why they acted against my interests without informing me or verifying the facts.
I write this letter to caution others about my unfortunate experience with TD Bank. As a XXXX XXXX, I believe it is crucial to work with a bank that values its customers and prioritizes fairness and transparency. In this instance, TD Bank 's handling of the situation demonstrated a lack of consideration for my rights as a customer and a lack of adherence to ethical banking practices.
I hope that by sharing my experience, others can make informed decisions about their banking relationships and choose a bank that upholds high standards of customer service and integrity.
Thank you for taking the time to read my account of the unfortunate events that transpired with TD Bank.
Sincerely, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX.
|
| 08/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
XX/XX/2023 To whom this may concern : My name is XXXX, more formally known as XXXX XXXX XXXX. I am writing you to alert the proper authorities regarding the absolute and complete, unbelievable nightmare, I've encountered with TD Bank. I want to get my story and the disturbing facts out to the right people so that maybe, this will not happen to another customer, ever again and you can help get me my money. A few short weeks ago, I had closed my checking and savings accounts at XXXX XXXX and decided to move my funds over to TD Bank as it was more convenient for me from home or work. When I had closed my account at XXXX, I received, two cashiers checks on XX/XX/2023. One for my checking account which was {$430.00} and one for my savings account which {$16000.00}. I deposited the {$430.00} check into my new checking account on at my newly chosen financial institution, TD Bank on XX/XX/2023. On the evening XXXX, I went to transfer money from my savings to my checking to find that there was no longer a checking account. I called TD Bank and was told the checking account was closed and I need to go to the branch. No explanation was given. TD Bank just closed it. No email, no phone call no nothing from them.
The morning of XX/XX/2023, I went to the branch and was told there was fraudulent activity so I requested a print out of all activity. None I could find I was issued a cashiers check for a bill I needed to pay from my savings to an annuity that was just opened as a rollover and payable directly to the Annuity but they would not release any money from my checking account. Still no reason why.
That's where things went seriously, seriously, beyond south. The assistant branch manager, XXXX XXXX, pulled me aside and told me that TD Bank was exercising their right to close the account and I could never have a checking account with TD bank, but refused to elaborate any further.
She was expediting the closing of the checking account to release my money. But as of XX/XX/2023 she refused to release my money.
Through independent investigation it is believed that the {$430.00} Cashiers Check trigger the fraud. XXXX XXXX has now confirmed, WHILE I'M IN THE BRANCH OF TD BANK ( XXXX, NJ on XXXX XXXX ) Certified cashiers check and it is certainly NOT fraudulent nor does XXXX XXXX have a hold on it, But XXXX XXXX refused to talk with them to release my money.
MY ENTIRE ACCOUNT IS FROZEN. Including my payroll check!
As of this date There is {$1600.00} in what was my checking account. TD Bank will not release any funds until XX/XX/2023. If there is a problem with a cashiers check in the amount of {$430.00} There is still {$1200.00} that is mine from payroll and previously deposited funds This money includes my payroll check received by TD Bank on XX/XX/2023 in the amount of {$710.00}.
On XX/XX/2023, I requested from XXXX, the assistant branch manager that I would like a cashiers check so that I may close that account, while they investigate the Cashiers check I am then informed by, XXXX, the assistant branch manager after I refused to leave without my money, who was not compassionate, by no means accommodating, and treated me, the customer, as if I were a criminal attempting to steal my own money! That I would need to wait until XX/XX/2023. Because the special fraud division only communicates via email, XXXX XXXX is the only person I can communicate with.
Why the {$430.00} flagged but the {$16000.00} not. Now I'm heated, I'm more than upset, and flagging a certified cashiers check for fraud, is clearly a huge issue on their end, not XXXX XXXX or mine. TD Bank has some seriously sensitive fraud flagging criteria.
I have no money for food, gas, bills etc.
Please help XXXX XXXX XXXX
|
| 09/11/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Interest rate
|
|
Web |
|
|
TD Bank Complaint Re : Loan XXXX XXXX XXXX In XX/XX/2020, I opened a new XXXX credit line with TD Bank upon refinancing of my house. I took advantage of the fact that at closing the rate was 2.99 %.
Based on information that I was provided by Branch and Loan Officer at the TD Bank location at XXXX XXXX XXXX XXXX XXXX, FL XXXX I acted in good faith by entering into a XXXX loan. At the time of closing, I specifically asked the TD representatives in person ( Acting Branch XXXX ( as the XXXX XXXX branch was closed at the time ) and the Loan Officer ) what the rate would be for the for the term of the loan.
Both TD Representatives informed me that the rate would be fixed at the date of withdrawal. I specifically inquired upon this point to ensure understanding before closing and withdrawal.
Upon receiving this information shortly after I closed on the loan, I withdrew amounts totaling XXXX from my XXXX credit line. I was under the impression that the rate was 2.99 % for that amount at time of withdrawal based on the information provided by the TD agent at closing.
I only noticed this a few months after the rates started to rise and visited the XXXX XXXX XXXX XXXX XXXX branch and rates were at 5 % at the time. They would not give me any relief on the situation, only the option to lock it at the much higher rate, which defeated the purpose of me withdrawing the money at the 2.99 % rate. XXXX XXXX also told me that rates would decline later this year, which is why I did not lock it at that time and in fact the rates have risen even higher since then.
Granted I was dealing with multiple people during the closing because of irregularities from XXXX, I was conversing with multiple people at closing.
My complaint against TD is as follows : Misrepresentation from two TD Bank Representatives of how rate is applied to withdrawals from the loan. I was told that the rate would be XXXX based on the day that I withdrew the money.
I was not directed that the rate had to be fixed upon withdrawl No technology-based information or ability to lock in that rate as an option available within the TD Bank App, or TDbank.com website which I now believe to be intentional.
My situation is troublesome to me and the bank has not given me any suitable options but to accept the higher rate which has led to a significant financial burden on myself.
I would appreciate some restorative options to the rate of 2.99 % as I was given incorrect information regarding procedures for withdrawals from this XXXX Credit line.
Im raising the below complaint for your support in helping to seek a resolution. I received a call today from the XXXX regarding the below complaint and did not receive any feedback from the complaint itself. It was only proposed additional options to fix a rate at a much higher cost.
My specific concern regarding this situation is that at time of closing I specifically asked to ensure understanding of terms of withdrawal and both TD Bank Representatives in the branch at closing confirmed that the rate was fixed at the time of the withdrawal -this was the core reason thus I withdrew the funds during this time and refinanced the XXXX at a 2.99 % rate. This was a clear misrepresentation by the agents of the underlying terms of the loan documents referencing variable versus fixed and how the rate was fixed.
Based on todays conversation and the conversations at closing, there seems to be a lack of knowledge and understanding from representatives regarding the option of fixed rate options within your XXXX products.
Much appreciate steer and support to seek a resolution and to also addressing the underlying concern and how this may impact other customers that have similar products.
|
| 04/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX I contacted a flight school called XXXX XXXX XXXX. I needed a multi engine pilots certificate to complete my training and begin a job. I did all previous training at the flight school where I also work. However, due to only having 2 weeks before beginning my new job, we were unable to schedule the training that quickly.
XXXX flight training said via emails I can provide that they could complete the training by XX/XX/XXXX. The same day ( XX/XX/XXXX ) or my initial inquiry, I signed a contract with them for my training to begin XX/XX/XXXX and ending XX/XX/XXXX. The ONLY reason I used them is because they guaranteed my training schedule to be done by XX/XX/XXXX.
On XX/XX/XXXX XXXX XXXX XXXX took an initial {$1000.00} deposit.
XX/XX/XXXX XXXX XXXX XXXX took the remaining {$3600.00} for the training.
Halfway through the training, they had to cancel and move several of my flights, then the aircraft I was using became no longer airworthy. At this point, my final exam was cancelled and moved by the staff of XXXX XXXX XXXX who at least apologized, and covered the examiners non-refundable reschedule fee, as XXXX XXXX XXXX recognized that it was their fault. I asked my future employer for and extra week, to which he agreed.
My exam was now booked for XX/XX/XXXX I continued the training they moved from week 1 into week 2. Two flights into week two, on XX/XX/XXXX XXXX XXXX XXXX took an additional {$700.00} from my account because I had gone over the week long training, which was their fault! Then, they also cancelled my final exam on XX/XX/XXXX due to internal discrepancies with the FAA. Again, not my fault. They said I could continue training until the FAA discrepancies were resolved, although they didnt know how long it would take.
My future employer said he could wait no longer, so although they offered more training, I was unable to wait. I moved on, and completed the training through my then future, and now current employer.
I emailed XXXX XXXX XXXX to resolve the issue. I was open to a full or even partial refund, to which they strongly disagreed. I then filled a merchant dispute with TD card services. I furnished over 30 pages of evidence containing our contract that clearly stipulated the dates. Emails back and forth, stipulating the specific week long training schedule, as well as emails of me trying to resolve it, etc TD contacted XXXX XXXX XXXX, and ruled in their behalf because they said I was the one who declined further training. I obviously declined more training, because I was out of time. This dispute isnt about the training conducted, its that XXXX XXXX XXXX IS IN BREACH OF CONTRACT.
I then filled an appeal, to which TD sent back a reply quoting their initial response that they already looked into it before, and I declined further training, so Im at fault.
I then filled an initial complaint on XX/XX/XXXX with you at The CFPB. You contacted TD, to which XXXX from TD called me directly on XX/XX/XXXX. I was flying and unable to answer, but returned her call that following Monday XX/XX/XXXX at XXXX sharp. For the next week, I called the number XXXX gave which went directly to voicemail, and received no reply.
I can and will furnish over 30 pages of documentation, and answer any questions further. Im just desperately hoping that the powers that be can help me! XXXX XXXX XXXX clearly breached the contract, and despite my patience by training an additional week, as well as offering to settle with a partial refund, I just keep getting run over. Then TD card services adds insult to injury by calling, and leaving me with a number that leads to no where. Can someone please help me sort this out! Thank you in advance, I eagerly look forward to your reply.
|
| 11/06/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Around XX/XX/XXXX, I opened a TD Convenience checking account Online. I was abroad at the time. TD bank approved the account and mailed a debit card to my home address. After the account was opened, I signed up for online banking and was able to log into my online account for the first week. During the second week, I could no longer log into my account, so I called TD Bank to determine what the issue was. I was told by an agent that TD Bank wanted me to come into the branch to verify my identity. I explained to them, that I was not present in Florida, and would not be back in the States until later. I asked whether it if was possible to visit a TD branch in XXXX to verify myself, and was denied this request. At the time, this option was accessible for me. The agent told me he would place the account in a restricted mode until I returned to Florida. He never offered to close the account, and have me reopen it in person, at a later date. The agent explained to me that while the account was restricted, I would be unable to deposit funds nor withdraw funds. I had no immediate issue with this scenario, because the account had no funds in it at this time ( it had only been opened one week ). This week ( approximately three months later ), my relative in Florida who resides at my address received a TD bank statement informing me that there is now a {$16.00} fee levied against my account. This is a monthly service charge for not having the minimum required amount of funds in the account ( $ XXXXUSD ), and a paper statement fee. I called TD bank immediately ( around XXXX on XX/XX/XXXX ) and spoke to three agents over the course of an hour and five minutes. None of them were able to assist me, and gave me wildly conflicting information and advice. I told them I wanted to have the account formally closed for three reasons : 1. I will not be able to visit a TD branch until next year when I get back to the States. 2. Since XX/XX/XXXX when the account was frozen/restricted I can not make the opening deposit of {$100.00} in order to defray the monthly service charge that will be assessed each month, indefinitely. 3. A supervisor at TD bank told me that this deliquency could show up on my credit report and damage my XXXX credit score. Are these people XXXX? They have prevented me from depositing money in my newly opened account, and told me they will bill be XXXX each month until I fly back to the States, and these delinquencies will be reported to the bureaus?!?!? Amazing how my account is frozen from me making deposits/debits, but they can make two debits per months ( service fee and statement fee ). I am studying in XXXX until XX/XX/XXXX, and can not make a trip to verify myself in a TD branch until that time. Essentially TD bank is billing me monthly, for providing a service I can not use, nor access, nor which I have ever used. Their unethical intention is to bill me almost {$200.00} in fees until I return, and destroy my excellent credit in the process. I am flustered, ashamed, and will not be an agent to this chicanery. The agent I spoke to asked me three questions from my historical public records, and he was able to verify me on the phone. These were questions only I should know. So I fail to understand why, after verifying me, and receiving a clear message today that " I want the account closed, and no delinquencies reported to the credit bureaus '' TD bank did not honor my request, and kept giving me the run-around for more than an hour. What a waste of time. I offered to step into a branch in XXXX from the beginning was denied. Today they verified me over the phone also, but did not accede to my request either. This is madness. If I need to recourse to law, I will be forced to.
|
| 12/17/2015 |
Yes |
|
|
|
Web |
|
|
To Whom It May Concern, I, XXXX XXXX, recently reached out to customer service at Target Redcard regarding the above mentioned credit account. A brief summary of the past year for me includes a XXXX where I had XXXX and a XXXX put in my XXXX, as well as XXXX XXXX on my XXXX with the most recent XXXX on XX/XX/XXXX. I am still recovering from the last XXXX, all of which I was injured on my job as a XXXX. The reason I disclosed this information is not for sympathy, but so that you would know why this issue was able to persist and continue for as long as it did, as well as in hopes that you will understand my state of mind and why I feel the way I do.
When you give a company your personal information and get a credit line extended you instill a sense of trust with that company. RedCard has not only took advantage of that trust but as a person they have made me feel worthless and betrayed. My fianc, XXXX XXXX, and I have a {$500.00} credit line. This year we have made numerous payments throughout the year before the due date and sometimes multiple payments before the due date. The attached documents show that a total of {$520.00} has been paid towards the balance of the card, which only has a {$500.00} limit?! That balance includes {$190.00} for the above mentioned and below mentioned practices of deception and theft. Come to find out RedCard did not count this as a payment towards the bill because it was paid a couple days early. When you make a payment online, depending on your financial institution and the company you are paying sometimes it can take a few days to actually post, or come out of your account. So instead of saying ok the bill was paid RedCard said that was a payment for the previous billing cycle, thus saying no payment was made for that month/billing cycle. In one month I paid well over {$100.00}, again because I paid it a few days early. But RedCard did not count it as a payment for my bill that was due and charged late fees and other penalties. I spoke with customer service who added insult to injury by stating that they will waive late fees two ( 2 ) times a year but they would not do it for us, or could not because the " system '' would n't allow it. I was told a case was opened and the situation was " elevated. '' The rep stated that a supervisor would be in contact with me shortly and the matter would be resolved. Again, this did not happen. Instead they just sent me another bill, with more penalties and fees after the rep told me and agreed to wait to make a payment until I talked to a supervisor and a resolution was found to the above issue. I have been charges in excess of {$190.00} in fees alone for making my payments, making extra payments, paying more than what was due/minimum payment, and for trying to be a responsible credit card user. RedCard has betrayed my trust, lied to me, and basically stolen my money by charging hidden fees for trying to do the right thing. On top of that, they refuse to respond to my inquires or follow up with me like they said they would. Attached are copies of the statement, which shows all my payments and the " fees '' total that I have been charged, and continue to be charged.
As I stated to the representative none of my other credit cards operate or function in this manner. Such as XXXX XXXX. If my payment is made the day before, 24 to 48 hours before the " due by date '' or clears the day before the due date, they do n't try to claim it was applied to the previous billing cycle. Thus RedCard expects you to pay and the payment to clear by the " due by date, '' if it clears before it is counted towards the previous billing cycle and if it clears the day after the " due by date '' you get charged late fees and such.
|
| 05/08/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
Servicemember |
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I opened a business checking and ( supposedly ) bu siness credit card for my new business in XXXX XXXX 2017. I spoke with banker XXXX XXXX from the TD B ank branch in XXXX , FL. I requested that a business credit card be opened to begin building credit for my business since we would need it for inventory costs in the first opening months. I questioned this banker and his branch manager multiple times whether the credit card I was opening would be a business credit card I would guarantee on behalf of my business, or a personal credit card with just my business name on it. Difference being one would report to my personal credit report and the other would help my businesses credit get established. After requesting my social security number and telling me it would be to just create a signing of the personal guarantee the business was supposedly granted credit. I called in multiple times questionin g two things, one that the checks I requested XX/XX/XXXX had taken so long to arrive, a nd two th at the business credit card had not reported to the business credit report on XXXX or XXXX XXXX XXXX Initially I was given excuses and reassurances regarding the checks and the credit card told to give it some time. By early XX/XX/XXXX when I called in again regarding the checks I was told that in fact the checks had been sent back to TD Bank d ue to a wrong address ( but I was never contacted about this although I paid {$30.00} for the checks ). The address was corrected and the checks resent, but the woman also reassured me the credit card was connected to the business and it would report to the business credit profile eventually. Today XX/XX/XXXX a fter a regular review of my credit report I notice a TD Bank Credit Card for XXXX on my credit report. I immediately knew this was wrong as personal guarantees are only meant to hold me liable for default and not consistently report card activity to the credit bureaus. Furthermore, the credit card had still not posted on the businesses credit profile. I called in and spoke to a general customer service representative who informed me checks had indeed been resent and I requested a complimentary checkbook that would be expedited for the checks issue. He obliged. Once I also informed him of my credit card issues he responded he could not discuss those issues and forwarded me to the credit department. I spoke to one of t he representatives who came to the conclusion with me that in fact a personal " business '' credit card had been opened and not a business credit card. That in fact this card had no associations to my actual business, it did not contain the FEIN of the business to be capable of reporting the credit activity to the business credit report, and I was entirely both liable and the card would only report to my personal credit report. So in fac t TD Ba nk misrepresented their account and continues to do so by calling it a " personal small business credit card '' when in fact it is exactly the same as their personal credit card and does nothing to benefit the business credit. The representative herself admitt ed TD B ank representatives know when a card is a personal or business card based on the first four n umbers of the card - so every representative which had seen the card knew it was a personal card when I questioned them for the business purposes. This misrepresentation now puts my personal credit as a consumer in jeopardy as cancelling the card would have negative effects for TD Ba nk 's initial inquiry which was only granted under premises of lies and obfuscations of facts. The credit line itself being closed would also cause negative effects now that it has opened.
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| 09/09/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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I became a customer of TD Bank in XXXX and they were very aware that I am a XXXX XXXX Mother as they helped me establish a checking account and also my Mortgage account between XXXX and XXXX XXXX XXXX.
I met XXXX XXXX Branch Manager, the Assistant Branch Manager, XXXX XXXX, in XXXX when I was overcharged for some banking fees, and she was aware at that time, that I am a Single XXXX Mother.
I Received the XXXX {$100000.00} XXXX XXXX XXXX in XX/XX/XXXX, and XXXX XXXX, Assistant Branch Manager " snatched '' it out of my hands and told me to open a XXXX XXXX Savings XXXX for " easy access ''. I advised that I did NOT want " easy access '' that I wanted to come back in a few days and get a large check to take to XXXX XXXX. XXXX XXXX, proceeded to " snatch '' the {$100000.00} Check and then used her position of authority to exploit me into opening the " XXXX Savings '' Account, against me true intentions, wishes, desires, and plans for our money and our financial future.
In XX/XX/XXXX I wrote to TD Bank and XXXX XXXX, Assistant Branch Manager, that I was aware that she had stolen {$25000.00} of the Personal Injury check fund from the XXXX XXXX savings account ''. I advised that they were in Violation of Florida Statutes I advised that TD Bank and XXXX XXXX, Assistant Branch Manager, that they were and are still in VIOLATION of Florida Statutes : 812 for Conversion and Theft of the {$100000.00} XXXX XXXX XXXX Check, Florida Statutes : 825 for Exploitation and Abuse of a XXXX Adult, as Such they owe TREBLE DAMAGES under Florida Statutes 772.11, for VIOLATIONS of both relevant Florida Statute Chapters, 812 and 825, and in VIOLATION of the Florida Anti-Money Laundering Laws under Florida Chapter 655.
I advised under the Florida Statute 772.11 the Treble Damages ( 3x ) the {$100000.00} they owe XXXX XXXX XXXX and her son, a Settlement Check for Treble Damages, for VIOLATIONS of Florida Statutes 812 and 825, in the amount of {$300000.00} XXXX XXXX XXXX XXXX
Since that time : the First Legal Correspondence sent to XXXX XXXX, advising her, that she had STOLEN MONEY, in XX/XX/XXXX, 1. A Payment was ILLEGALLY REVERSED on XX/XX/XXXX, after the Payment, had posted.
2. A TD Bank Representative Advised 10 days ago that the ILLEGALLY REVERSED PAYMENT was put into " UNAPPLIED FUNDS '' 3. Then instead of our Insurance being paid in XX/XX/XXXX, OUR INSURANCE WAS " ILLEGALLY CANCELLED '' and it took until XX/XX/XXXX, until after a " storm '' to discover we had no insurance coverage.
4. Our Mortgage Payments have changed up and down and I recently asked TD Bank for an AMORTIZATION SCHEDULE and they sent a Schedule XX/XX/XXXX, stating that I pay {$110.00} a month when MY MORTGAGE PAYMENT IS {$340.00} A MONTH * WHERE is the AMORTIZATION with the TAXES & INSURANCE???
5. The Mortgage Amortization and the SIMPLE INTEREST MORTGAGE SCHEDULE HAS BEEN TAMPERED WITH AND CHANGED, and money is NOT being Properly Applied.
6. TD Bank Started FALSELY REPORTING ME LATE to the CREDIT REPORTING AGENCIES WHEN I WAS NOT LATE.
7. I discovered that TD BANK had DONE A XXXX XXXX XXXX CREDIT REPORT DEDUCTION.
EVERYTHING that I Have stated above are CRIMINAL ACTS, and includes VIOLATIONS OF THE AMERICANS WITH DISABILITIES ACT and FALSELY REPORTING to the CREDIT REPORTING AGENCIES in VIOLATION OF THE " FAIR CREDIT REPORTING ACT '' ALSO, everything I have stated is VERIFIABLE IN THE " PAYMENT HISTORY '' THAT AFTER I SENT THE XX/XX/XXXX, Legal Correspondence to Assist Branch Manager, XXXX XXXX, of the XXXX XXXX, TD Branch, that the EXPLOITATION AND ABUSE HAVE CONTINUED, as " someone '' in a position of authority, I say, XXXX XXXX XXXX Assistant Branch Manager, at TD BANK, CHANGED THE ABOVE-
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| 08/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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My wife and I purchased a XXXX XXXX new from a dealership in XX/XX/XXXX. On XX/XX/XXXX I mailed TD Auto Finance a check in the amount of {$37000.00} for payoff. On XX/XX/XXXX at XXXX XX/XX/XXXX the check was signed for by XXXX XXXX in their XXXX ME office. After 17 days of not receiving the title I called my bank who issued the check. I was told that the check had not cleared the bank. I then called TD Auto Bank and inquired why my pay off check had been processed. I was advised by TD Auto that they did not have the check. ( When you call TD Auto you speak to a representative that does not have contact with the XXXX ME Office ). I then contacted my bank again and was advised they could not do anything until 30 days had passed from the time TD Auto signed for it.
At 31 days the check still had not cleared the bank and I still had not received my title. We had to also make the XXXX payment due to the pay off check not being processed. I called TD Auto again and asked to speak with a manager. The manager advised me he could see where the check was received and signed for at the corporate office, a copy of the check had been made and the check mailed back to my bank. I then contacted my bank who had not received the check at that time.
At this point I gave it two with still no check being received by my bank. My wife and I both once again began calling TD Auto and requesting to speak with a manager. A manager finally contacted us back and advised us once again that the check had been mailed to our bank. We gave it two weeks again with the same results at the end -- still no check.
This same process has repeated every 2-3 weeks since the end of XXXX. Each time we finally do get to speak with a manager we are told that the check has been returned to the bank. Each month since the start of this process we have also had to keep the monthly payments up to date. Three weeks ago I was able to track down a phone number to the TD Auto Finance Corporate office located at the physical address I had to mail the pay off check to in XXXX. Upon calling this number I was placed on hold for over 90 minutes and never was able to speak with someone. At this point I then again called the number on my monthly statement and asked to speak with a manager. A manager name XXXX called me back. XXXX was brought up to date and all issues since XXXX and he advised me he could see in my account notes where the pay off check was received, copied and mailed back to my bank. This manager then confirmed my banks mailing address with me -- which was correct. This manager then stated that this issue was " a TD Auto Finance mistake ''. At this time of the conversation I asked to be mailed a complete copy of all notes in their system regarding my account. I was advised that those were for inner departmental use only and that I could not have them or the notes pertaining to the pay off check issue.
Each manager I spoke with advised me to just have another check made out for the payoff of {$37000.00} and send it back to them. They promised me that no one would cash the current pay off check ( that I am responsible for ) that they can not account for or has yet to today arrive at my bank. My bank has also advised me against sending a second check until the first one is either processed by TD Auto or is in my banks hands and secured.
I feel as if I have made valiant attempts to pay off my vehicle loan with TD Auto in a timely manner. I also feel as if I have been very patient with them given they have lost a check of mine for {$37000.00}. I also feel as if they have had ample time to resolve this matter with me. It's as if the workers can not or do not correspond with corporate offices.
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| 01/31/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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My wife and I were victims of wire fraud, when someone hacked an e-mail account and impersonated our attorney with instructions for wiring our home downpayment ahead of our closing. // I wired our {$130000.00} downpayment from my TD Bank account to a fraudulent XXXX account just before noon on XXXX XX/XX/2022. At about XXXX XXXX we discovered the fraud because we received correspondence from the real attorney 's office, and confirmed on the phone. // My wife and I spent the next two days shuttling between different branches of TD, XXXX and multiple law enforcement agencies. TD Bank has clearly designed the recovery process to be as opaque as possible, because distributed responsibility significantly weakens their incentive to facilitate the return of the stolen money : // * In-person bankers at the branch are largely clueless and powerless about the whole process, despite good intentions. No one had any knowledge of the actions we needed to take, and the best they could do was pick up the phone and call a back office when we pressured them. All the back office would tell them is where to file a form requesting the form that we actually needed ; the branch has no subsequent visibility into or influence over the process.
* The way the process is set up, the victim can only communicate with their bank, and only through a local branch. But the branch bankers can only make requests by phone to the fraud office. And the fraud office delegates full responsibility for the investigation to recipient bank. Thus, the recipient bank is the only one with real influence on the process, and the victim has no way of communicating with that bank because the victim is not a customer. // * The banks must recognize that time is essential, because wires can be nearly instant and the schemes are designed to remove money from the recipient account as soon as possible, at which point chances of recovery are low. However, there does not appear to be much sense of urgency in the banks ' process. We believe we succeeded in getting the target bank to freeze the fraudulent account, but only after visiting three branches in person, making several phone calls, pushing two internal connections, making a recall request through our bank, and reporting to the FBI and local law enforcement in two states. We have no confidence that we would have achieved such an outcome without such persistence and understanding of the process. And even so, after five days, our only confident information comes from the FBI and no one has confirmed how much of our money is recoverable. // * One stage of the wire fraud recovery procedure is an indemnification agreement filed by the victim 's bank to the recipient 's bank, essentially saying that the recipient 's bank will not be responsible for legal repercussions if the fraud allegation is challenged. We only knew of this concept because of the FBI ; TD Bank never informed us. Several TD Bank employees professed ignorance and stonewalled us, until a supervisor ultimately conceded on the phone that they are all instructed to be clueless and resistant when asked to file forms that give the bank legal exposure. The form has been requested, but as yet not filed. // * As we now know, universal advice says that no one should ever wire money without verifying the wire instructions in person or on the phone with the recipient. Moreover, wire fraud is a very common crime that I should have known to look out for. But most people rarely if ever wire money, and their first wire will often come at a stressful and vulnerable time -- like a home purchase. TD Bank gave me no such warning of these commonly known facts, and thus passively facilitated the fraud.
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| 03/14/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I contacted TD Bank for a cash out refinancing. They gave me a mortgage specialist.
XXXX XXXX | Mortgage Specialist, XXXX TD Bank, XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX I was told to go to XXXX and check my credit score. My credit score is XXXX.
I wanted to know how to qualify for a $ XXXX loan. I was told I needed a XXXX score.
She verbally asked me how much I was making and she said that it was enough.
I have been at my job for 7 years and my income is steady.
I wanted to be certain because the year prior to this I had an injury that prevented me from performing my usual tasks. My income was effected and low for that year.
I asked my specialist if I could email my taxes and was told that she does not accept taxes through email. I was surprised to hear it and thought it was an unusual professional practice.
I paid for my own credit report because TD Bank deemed XXXX as a creditable site to gauge my qualifications.
The bank says now that my credit report is XXXX or lower and that XXXX is inaccurate.
If only I was told to get a free credit report from XXXX I could have received a free copy of my credit report and, I would not have received a HARD INQUIRY on my record!
I was denied the loan. Then my specialist asks me for my taxes. She said the underwriter wanted to see them.
TD Bank then sends me a conditional approval letter for 50 % less than the amount I inquired for.
I told my specialist that I was not interested this counter-offer procedure and then was told I had been denied for this as well.
Asking for two years of income taxes is not an uncommon thing.
When something uncommon does occur such as an injury, a Good banking practice would be to request further proof of income. TD Bank is apparently only interested in two years of taxable income only.
I could have supplied an actually credit report and tax information if interested in lower loan amounts! In fact, if I was able to give this information in the beginning I would have found out that I should go to a different bank.
Hard inquiries are not good for the consumer and, TD Bank mortgage specialist did not take this into account. It was really inconsiderate. She was taking guesses with my credit and income.
This branch of TD Bank is now refusing to provide me with a copy of the credit report I paid for. I am being told to go get my own.
I thought it was a professional courtesy to provide the customer with a copy of their credit report. I paid for it, I own it.
I only get one free copy of my credit report a year and this is without a hard inquiry. This inconsiderate branch bank, is telling me to use my yearly free copy to confirm what this bank is verbally saying. That I am denied.
This branch of TD Bank emailed me saying that the thirty point discrepancy on XXXX was not a determining factor in my denial because they offered me a different cash-out refi product. That even if my credit was above 700, they still could not approve me because my income for XXXX is too low. It makes no sense at all, and I feel they are purposefully just wasting my time because they have no incentive.
A credit report is reusable up to 30 days. I believe this branch is trying to prevent me from bringing my credit report to a different bank for a better rate.
Maybe a bank that will look at my work income history for longer than two years.
I was not informed that I would not be able to get a copy of my purchased report. I believe I was bated into seeing an inflated credit rating on the internet in order to be offered any lower loan amount. Running a persons credit without any income verification is amateur. Especially if that information is available.
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| 08/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
Servicemember |
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See attached for more.
On XX/XX/XXXX, I purchased a phone through XXXX financing provided by TD Bank. It was 24 months interest free financing starting in XXXX and it should have ended by XXXX, but didnt ( attachment A ) From XXXX XXXX thru XX/XX/XXXX I made every payment using auto pay.
In XX/XX/XXXX, I saw charges charge from TD Bank that were clearly beyond the 24mo window of the TD Bank/XXXX financing. I also saw there was a balance due going into XXXX ( 26mo of the 24 month financing! ) ( Attachment F, G & H ) Upon seeing that charges that should not be there, I contacted the bank on XX/XX/XXXX o TD bank replied that they will send me the statements via mail.
o The statements were never received ( Attachment B ) I cancelled the automatic payment as it appeared they would continue taking money without explanation. There was {$2.00} balance due, though I didnt realize that at the time because their statement system was unreliable and confusing I just saw that money was mysteriously coming out of my account through automatic payments On XX/XX/XXXX, I checked back in on why I hadnt received any documents. Having not received any explanation from TD bank, I again submitted a request via their message system o TD Bank replied they will mail statements and they further acknowledge their system is slow, making it a herculean effort to learn anything. ( Attachment C ) On XX/XX/XXXX, Going beyond their online message tool and slow system, I went further and called TD Bank. I spoke to customer support for 42 minutes ( Attachment D ).
o I asked them to explain the charges and their explanation boiled down to, It says you owe money so you must owe money. The agent did say she would send me the documents as well and made sure my address info was up to date to ensure it was actually received.
o Once again, the documents were not received After XXXX, they started tacking on late fees. They could not explain or show why I owed the original balance, nor did they provide any information that was requested, but they were diligent in racking up late fees In XXXX, I again spoke to customer support for 84 minutes in hopes of solving this. The first agent was understanding but referred me to a manager.
o The manager was also unable to figure out why I had charges, and saw that I had been trying to resolve this since XXXX. However, she could not waive the late fees but told me her manager could. She then said she would transfer me to her manager.
o Of course, after a few minutes on hold I was hung up on or they disconnected.
o I had hoped they would call me back or contact me some other way, but they did not In XXXX I spoke to an agent that called me and they were going to transfer me to a manager, but instead they hung up on me once again o I immediately called back and when I pressed the option to speak to an agent, it immediately disconnected. I repeated this several times and each time I was automatically disconnected Sometime in XXXX they submitted my claim to collections Bottom line : I have made repeated efforts to get an explanation of charges that came during and after XX/XX/XXXX when the financing should have ended. I have tried to use their automated system that even they admit barely works, I have tried to use their message system and never received documents they said they would send, and I have spent over 2.5 hours speaking to their agents only to be hung up on over and over. Call recordings will show I was not rude frustrated, but not rude or taking it out on their agent. They just hung up because they didnt want me talking to managers or their system does not work. With all of that, no agent or system has provided an explanation.
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| 04/26/2015 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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RE : XXXX XXXX MD-PRIVILEGED AND CONFIDENTIAL INFORMATIONDear Consumer Financial Protection Bureau, CFPB : I am writing the CFPB in reference to fraudulent unauthorized activity on an account I opened with TD, XXXX, bank to politely accommodate a problematic section XXXX tenant, XXXX XXXX XXXX XXXX.
I walked into the TD bank ( located at XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX, phone : XXXX ) on XXXX XXXX, XXXX to inquire about delinquent accounts with amounts {$130.00} and {$62.00} which were reported to the XXXX. I was unaware of such accounts until XXXX XXXX, XXXX when I walked into a branch bank Police XXXX ( located at XXXX XXXX XXXX XXXX, Pa XXXX, Phone : XXXX ), to obtain a banking account and I was declined because of adverse Reporting of FRAUDULENT accounts to the XXXX. These accounts being:1. TD bank South Carolina : On XXXX XXXX, XXXX, I opened a TD Bank account ( located at XXXX XXXX XXXX XXXX XXXX South Carolina XXXX ) because I travel often, and I had TD certified bank checks that needed depositing ( void after XXXX days ). The TD checks were rental checks in the amount of ( XXXX-check number XXXX and $ XXXX-check number XXXX ). The problematic section XXXX tenant, XXXX XXXX XXXX XXXX, refused to resubmit payment amounts after informing her XXXX her TD bank did not honor their own Bank certified checks. The bank claimed the funds were returned to her account once voided, if not deposited within 90 days.
This resulted in UNPAID PORTION OF SECTION XXXX RENT FOR XXXX XXXX {$70.00}, and UNPAID PORTION OF RENT FOR XXXX XXXX {$210.00}. XXXX XXXX, tenant paid {$34.00} instead of {$70.00} citing she had to purchase " insecticide, weed wacker, and ant baits '', and she subtracted her purchase from Section XXXX mandated amount of {$70.00} for the month of XXXX XXXX. She refused to pay XXXX XXXX rental portion {$210.00}. She is a problematic tenant, files false police reports, is a false witness, and well known throughout the lawyer judge judicial system assembly. This problematic section XXXX tenant, XXXX XXXX XXXX XXXX is DELUSIONAL and wanted to dictate when I deposit MY MONEY.
Again, TD bank branch in XXXX South Carolina would not honor their own TD bank certified checks.
2. TD bank New Jersey : I attempted to deposit the checks XXXX again after diligently attempting to advise problematic section XXXX tenant, XXXX XXXX XXXX XXXX, to resubmit rental payments ; however, she believed she could live at property : XXXX XXXX XXXX XXXX, New Jersey XXXX free from XXXX XXXX, XXXX ( partial payment XXXX XXXX in amount of {$150.00} ) through XXXX XXXX. On XXXX XXXX, XXXX, I entered TD bank ( located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX via TD bank employee XXXX XXXX Phone : XXXX ), and the branch would not honor it 's very own TD bank checks.
3. Property XXXX XXXX XXXX XXXX New Jersey XXXX : The security deposit paid by the state of XXXX totaled {$1800.00} and I deposited these funds into a high yield interest bearing account at XXXX XXXX XXXX. I attempted on several occasions to provide name and address of account information to problematic section XXXX tenant, XXXX XXXX XXXX XXXX, along with CASH annual interest payments and she refused ( I HAVE VIDEO FOOTAGE ).
The TD bank account was closed once the balance EQUALED XXXX. I ensured the TD bank account closed without any issues, and I resolved any issues with the account after I walked into the TD bank branch ( located at XXXX New Jersey XXXX ) to close the TD bank account. Again, the TD bank account closed with a XXXX BALANCE. I was surprised to discover on XXXX XXXX, XXXX, delinquent and fraudulent account amounts : {$130.00} and {$62.00} WHICH I HAD NO KNOWLEDGE OF.
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| 07/13/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
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Web |
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I was emailed and offered a data entry job that was supposed to be a stay at home job working on a company computer for XXXX XXXX XXXX from an XXXX XXXX XXXX. I was asked to interview and accept job offer via XXXX XXXX to a XXXX. Upon reviewing job, interviewing and accepting he advised the finance dept. would be mailing me a check of {$4800.00} and i would use this to purchase materials such as a laptop, all in one printer/scanner, and the software needed for the at home position to set up a home office. I received the check and in it came an instruction sheet to email XXXX which is the ( finance dept ) and let them know i have received the check and send them a copy of the deposit slip. A few days later i went and deposited the check and the next day it was available. I thought to myself if this was a scam the check would have bounced and the bank would not make the funds available. I was wrong because the next day the funds were available. The " manager ' on XXXX hangouts then instructed me to buy XXXX gift cards with the money totalling {$2000.00} and send him a picture of the receipts and back of the cards. He said this would be the funds we would send to the vendor on XXXX so we could purchase the materials for work. He then instructed me that he wanted me to take out the remainder of the money and send it to another vendor for the software via XXXX to XXXX pay and this is the info he gave me. Sending to XXXX XXXX XXXX Tx XXXX via money in minute service. Then he told me this should ensure the equpiment for work would be sent out so I can start work soon. he said he was in a rush because he wanted me to start work ASAP. He then told me there was a problem and i needed to go get a refund for the XXXX pay and i did for the {$2000.00}. Then he tried to send me to places near my address to send the money a different way. I told him those stores do not offer any money services and the info he gave me was sending to XXXX XXXX XXXX XXXX XXXX XXXX .He then told me to use that money and purchase more XXXX cards. Then with the remaining {$800.00} he told me to purchase another {$500.00} XXXX card and the rest was mine to keep as payment from the company. The next day i saw that my account was negative and called my bank to see why because i rarely ever let my account over draw, they explained it was because the check was returned. I explained to the person i was speaking to on the phone about what happened and she told me to file a police report. I did file a report and called the fraud dept from my bank and explained the situation and also that i had filed the police report. The woman advised me i was " definitely scammed '' and advised me the account is frozed due to the status. I asked how what we could do fix this problem because i dont have {$4800.00} laying around to pay the money back, the bank has basically took any of my own existing money in the account, i have no access to my account and i have bills i need to pay. The fraud dept. basically said they can not help me because they don't consider this to be fraud and that i can sign up for a payment plan to pay off my {$4800.00} balance on top of the returned check fee and over draft fee. They also advised if I do not pay this balance off in a certain amount of time it will be carged off adn affect my credit. I also recevied another check from " XXXX '' yesterday for {$5000.00} which i have not and will not deposit.When i reach out to XXXX via XXXX hangouts they adivse me they are contacting finance dept to see why the check was returned ( which i don't believe ) I also have photos of all gift cards and receipt, i was having trouble uploading them to this complaint.
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| 08/06/2015 |
Yes |
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Web |
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On XXXX XXXX, 2015, I made an online purchase for a professional exam review course from what appeared to be a reputable website XXXX BBB logo was displayed ). Instead of the review course, I received used and outdated books, and merchant was slow to respond. I disputed the charge with my credit card company, TD Bank. TD Bank was not helpful ; nothing was done by the bank to resolve the dispute, and the disputed charge was not reversed. After repeated calls, TD Bank told me I would need to fill out a dispute form, which they would send via USPS mail service. They refused to send the form to me electronically. After waiting a week for the form to arrive, I called again, and was told the form had been mailed, and would take XXXX business days to arrive. When it did not arrive, I called again, and was told it had only just been mailed. From the time I first learned about the dispute form, it took about XXXX weeks - and multiple phone calls to TD Bank - before the dispute form arrived.
While TD Bank was doing nothing to help with my dispute, I continued attempts to work with the merchant, and on XXXX XXXX, 2015, the merchant stated in an email, " I instructed our Finance department to put the refund through. It usually takes XXXX business days to process and show your account. '' The credit was never posted to my TD Bank credit card account. TD Bank was provided with a copy the email communication from the merchant, along with TD Bank 's dispute form, returned to TD Bank via priority mail service on XXXX XXXX. On XXXX XXXX, TD Bank acknowledged receipt of the email documents ( receipt date was said to be XXXX XXXX ). On XXXX XXXX, the documents were resubmitted via fax, at TD Bank 's request. As of XXXX XXXX, 2015, TD Bank has still not credited my account for the disputed charge, and representatives - even supervisors - are unable to provide information about the reason for the delay. When the dispute was first made in XXXX, I was told it could take up to XXXX days to resolve. By XXXX, TD Bank said it could take up to XXXX days to resolve ... and this is after the merchant acknowledged that a credit was due.
TD Bank billed a late fee to my account while the dispute was pending. They did say it will be reversed, but this required another hour on the phone with them. ( I have always paid legitimate charges before their due date. ) Meanwhile, on XXXX XXXX, multiple fraudulent charges appeared on my TD Bank credit card account. I strongly suspect the scammer-merchant sold my account information. I noted the charges the day they were authorized ( while checking my account online to see if the disputed charge had been credited ), and called TD Bank immediately. TD Bank did not advise me to file a police report, nor did the bank advise me about placing a fraud alert on my account with the credit bureaus. Fortunately, a Google search did. I filed police reports with both my local police and police in the state where the charges were made, and a detective was able to obtain video of the fraudster. I also initiated a fraud alert with the credit bureaus. Although the bank was notified within hours, TD Bank did not immediately stop the charges ; instead, they posted the fraudulent charges to my account. TD Bank took over a week to reverse those charges.
Throughout this process, TD Bank has not provided useful advice, has not adequately protected me, and has been very slow to assist in any way. My confidence in TD Bank has been seriously eroded by its handling of these events, and I am very disturbed about the level of service provided by this bank.
At this time XXXX XXXX/XXXX/2015 XXXX, my dispute has not yet been resolved.
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| 06/06/2016 |
Yes |
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- Customer service / Customer relations
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Web |
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I had a very bad experience with TD Bank. This company is not complying with the duty of good faith and fair dealing. I requested a due date change and was told that it could take 1 to 2 billing cycles to take effect. However, same request @ the same time which was done to another account did go into effect on the same billing statement and was also confirmed on a later call versus this account which was not confirmed. However, still assumed it would have same rules. After the statement ended up printing with a large balance, because I did n't make a payment due to the fact that I thought it will print later in the month. Therefore, I right away made a payment and requested that they should complete a mid cycle update to the credit bureaus with the new updated balance. I was promised it will be done as well as I would get compensation for this inconvenience. After more than a week, when nobody got back to me, despite their promise to contact me, I reached out to them. After around 40 minutes on the phone with their lazy representatives I was advised that as per the corporate office I wo n't get compensation and there will be no credit bureau update either. @ that point I requested that they should please stop the request for the due date change, which they confirmed it 's been canceled. I then reached out to the corporate office to XXXX XXXX XXXX and asked her to assist me with the mid cycle update. She acted very nasty on the entire conversation and she simply refused by saying her manager XXXX XXXX XXXX is not allowing her to help me with this, but I can contact XXXX XXXX who would be happy to assist me. When I asked her to please check if she is available, since I do n't wan na have the run around, she refused, but assured me XXXX XXXX will handle it for me. I asked her to only give the massage over and she agreed. I then called XXXX XXXX, who of course as always did n't answer. I left a detailed message and also sent an email with my request. When I did n't get any response, I reached out to XXXX XXXX in another email letting her know how important it is for me, and that 24 hours passed already since I tried her, warning her if she does n't respond I will reach out to her managers and also file a complaint with the CFPB. She then answered me with the following : " I am out of the office for an off site meeting. Should you need immediate assistance please call our customer service agents who will be happy to assist. '' This unbelievable unfair answer, was after I was already pushed off by the regular customer service, refused service by XXXX XXXX per her advice, already wrote to her the importance of the issue, and was already ignored over 24 hours. Finally I reached out to all her supervisors including XXXX XXXX XXXX who all gave me same attitude, and never returned my calls and emails. When contacted their higher folks @ the executive office and filed a XXXX complaint, XXXX XXXX and XXXX XXXX got back to me, saying, that the mid cycle update was already completed and sent to the credit bureaus, and they can not provide compensation. This in fact is a simple lie. As of today XXXX/XXXX/16 it 's not yet updated with the bureaus. Now, I was mislead again, by them changing the statement date, after promising me it wo n't be changed. I went ahead and made full payments to cover for a XXXX statement balance however now they decided to change the statement date and I will have to wait until the XXXX for the bureaus to show my XXXX balance. Every call with their customer service takes at least 15 minutes. Corporate office, ignores me when bringing any issues to their attention, and they are not interested to improve.
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| 04/20/2015 |
Yes |
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- Advertising and marketing
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Web |
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This complaint is about the TD Easy Rewards ( 5 % ) card which I applied for late last year. TD 's own marketing and online material tells users the card offers 5 % cash back at grocery stores, among other categories, for the first six months.
While using the card, I quickly realized that stores traditionally not thought of as purely grocery stores such as Target and XXXX had their transactions posted as " grocery stores '' and thus earning 5 % back. Using this card allowed me to make a large percentage of my transactions, and proportion of daily spending, in a 5 % cash back category. Beginning in XXXX 2015, TD started repeatedly declined and holding up my transactions for review. Payments from my TD checking account were put on hold for days on end, limiting my use of the card.
After calling customer service multiple times, representatives told me that that my account was put on hold pending fraud reviews. While some holds lasted a week or XXXX, the final " review '' on my account lasted well over a month. During all this time, I had enough available credit on my account to make any of the purchases I wished to make, and even had a positive balance.
Half way through XXXX, with a credit on my account, I tried to close the account. The credit card would not be any good to me if I could not make purchases on it for weeks at a time while my account was in review. I was told repeatedly by account reps and supervisors that my account could not be closed while it was in review ( my account had a positive credit because of rewards I had redeemed at this time ).
In early XXXX, I received a letter explaining that I had " unusual and/or excessive purchases and/or payment transactions '' and my account had subsequently been closed. No one at TD could explain how what I had done constituted those terms.
Rather I believe TD saw that it was losing money off me because I had discovered that ( due to XXXX and Target earning 5 % in cash back, where I made purchases ) that I had been an unprofitable customer. In response, they prevented me from using my card ( declining purchases ) and eventually closed my account, because they did not wish to follow the terms and conditions originally agreed too. It is worth noting XXXX and Target are huge and offer almost anything I could need to purchase making it justifiable that a large amount of money could easily be spent there.
Therefore, TD is performing a bait & switch, holding my money and credit limit ( and sometimes the payment credits on my account ) hostage while they conduct their reviews. Declining my legitimate purchases represents an unlawful action where the company involved does n't provide limits on a service some people might use more regularly then initially designed. TD offers a 5 % rebate incentive to use their product at certain stores, however, when people actually use the card, TD hides behind fake fraud claims and blocks entire use of the card.Until TD fully discloses any changes to its credit card terms and conditions on the use of the card and any limits involving its rewards categories, then they have no right or reason to block or restrict my legitimate use of the card. TD is only limiting my card usage because they perceived me as spending an 'unusually large ' amount of money in a bonus category and do not wish to honor the 5 % cash back offer they extended to me.
This ordeal, through no fault of my own, has put a derogatory note on my credit reports, showing that one of my accounts was " closed by issuer. '' This message reflects negatively on my credit report and could cost me in future transactions I under take with other financial institutions.
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| 09/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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There was a fraud attempt by a Target Red Card Services employee on XX/XX/2021. The late fees assessed were not the issue, as mentioned in a previous response about late fees from Target through the CFPB from a separate complaint.
The employee kept asking for my personal debit card number, not my Target Red Card number, over and over, saying it was necessary, even though I had already explained I had an XXXX bank account payment set up. I reported it to the Fraud department on XX/XX/2021, and was given a fraud claim/reference number of XXXX. The payment amount was changed on XX/XX/2021 to {$0.00} to document when the fraud attempt occurred. I also made a payment the following day, on XX/XX/2021, for {$0.00} after I received that fraud claim/reference number tp document when I received that number too.
I was told by that representative that provided it that I would be contacted in a few days or receive would receive some corresponde. I was also told not to make any payments until the fraud claim I submitted was resolved. I kept calling Target Red Card Services nearly everyday to follow-up and they refused to provide status updates, simply stating it was still under review. I've attached a letter for the CFPB and XXXXarget Red Card Services to review and keep being told that Target does not investigate fraud attempts by their own employees. I'm usually hung on as well. I was hung up on earlier today, XX/XX/2021 at around XXXX XXXX ( PST ), while attempting to inquire again. I spoke to another representative shortly after who kept stating we don't investigate fraud on their own employees. When I asked the represenative who to contact earlier today about a fraud attempt by a fellow Target employee, he stated he couldn't direct me to anyone to have the matter looked into further.
The fraud claim was never investigated appropriately. I later noticed incorrect marks on my credit reports. At this point, due to Target Red Card Services not properly taking actions to investigate this fraud attempt by a fellow employee, I'm being left with no option but to report the card as fraudelent after the interaction and attempts by that Target employee on XX/XX/2021. I entered a " payment plan '' with Target, to attempt to avoid any additional issues, but they keep refusing to investigate the fraud claim I made against the Target Employee. Additionally, I never received any follow-up correspondence in regards to the fraud claim I submitted. Another representative told me it might've just been changed to a general complaint, which was not what I asked for. I never received any update or documentation in regards to that either. Then, some inaccurate information appeared on my credit reports.
Since this was poorly handled by Target Red Card Services, I'm asking all negative impacts on my Red Card account and any other negative results, like the incorrect credit report marks reported to the bureaus be adjusted, since this is still being poorly handled by XXXXarget Red Card Services right now at the moment too. I still have not received a follow-up about the fraud claim I submitted either. If Target changed my fraud claim submission to a general complaint without notifying me properly, I have not control over that. And again, I never received any follow-up about the fraud claim submission I made initally on XX/XX/2021, after the fraudelent interaction with the Target employee occurred the previous day, on XX/XX/2021.
I've also attached an updated letter to be sent to Target, along with the same medical information that I sumbitted prior, and how this is causing stress for someone who is medically XXXX already too. Thank you.
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| 01/15/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I am writing to you for the second time because I dont feel like the outcome is acceptable. During the month of XXXX I was put in XXXX. From XX/XX/XXXX to the XXXX. During which time my boyfriend at the time, used my card without my permission. ( We are no longer together ). He put my account in the negative almost {$800.00}. So not only did he spend the XXXX $ I had in the bank, he also spent {$800.00} that I didnt have in the account. In doing so it caused my entire following check to be garnished. Now I had told my mother to take some money out of the bank for taking care of my kids while I was in XXXX. When she attempted to do so, she was denied for lack of funds. I had her log into my online banking and thats when we discovered the fraud. Immediately my mother called the bank and tried to shut down the card but they said the couldnt because she wasnt me. So we attempted to stop the fraud right away but was denied the ability to. So when I got home I submitted a dispute. I provided proof XXXX, a letter from my XXXX XXXX, and a police report. They denied my claim because they said the pin was used. Which if it was it wasnt my fault. I never gave out my pin to anyone. He guessed it because he knew me and knew my important numbers. Or he watched me type it in some other time during a pos. So I in fact never gave him permission to use the card. The definition of fraud is the unauthorized use of. There is no addendum saying unless your pin was used As a matter of fact the law states they can not deny my claim on the fact that the pin was used. And I am only liable for {$50.00} dollars worth of that money. I know the laws and TD bank is not following them. I want my money back and I wont stop until I get it. Its nearly XXXX $ and that is why they dont want to pay it back. But I am not paying for something I didnt do nor did I authorize the transaction. They also said they tried to contact the XXXX court house which I dont even know how they knew which courthouse to contact, because I never told them. But they said they called them and couldnt confirm my XXXX. Which it is public knowledge and they would have confirmed it but the person called the courthouse at XXXX XXXX. The court doesnt open until XXXX. So their attempts to investigate were flimsy. Also they never tried to contact me to ask me what had happened with the claim at all. If they had done so I would have been able to explain some of the reasons for the denial. Then the lady at the bank tried telling me that it was XXXX that denied the claim. Which it was not. It was TD and only TD. It had nothing to do with visa at all. Lastly, of that when I signed up for the bank account they had a promotion saying XXXX $ free with a new checking account. I signed up for the checking account using the link provided and I waited, and waited, and waited. No money was ever given. So I inquired about the promotion and was told I didnt qualify because I had a previous account with them. Well the truth is, Ive never ever had a TD bank account and if someone opened one under my name, it was fraudulent. I just think they said that because they didnt want to pay me the {$200.00}. Right on their webpage it says customers are not liable for unauthorized charges. Well I never authorized these transactions so why am I liable? Just because my pin was used? That is no reason. Negligence is no reason to deny a claim. I wasnt negligent I was scammed by someone who used me for my money. I should not be held accountable for his actions. I filed charges and he got XXXX with no restitution!!! So Im out {$2000.00} and lost my apartment and also fell behind on XXXX XXXX. I want justice!
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| 10/11/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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This is regarding unauthorized debit card transactions that TDBank has denied my dispute x 3.
On XX/XX/XXXX, I woke up and checked my account to be sure my payroll direct deposit went into my account. I noticed a pending charge in the amount of {$310.00} that indicated XXXX XXXX XXXX' I had not made a purchase for that amount.
This prompted me to look at my recent transactions, and I noticed another charge I did not make for {$170.00}, that also indicated " XXXX XXXX that posted on XX/XX/XXXX.
I immediately went to TDBank in XXXX, ME, where I was told by one of the customer service reps that another charge for " XXXX '' was pending in the amount of {$330.00} and some change. We canceled my debit card, I got a new one, and was advised to wait until all pending charges posted before filing a dispute.
The {$170.00} and {$310.00} charges posted, but the {$330.00} and change charge never posted. I presumed this was because my debit card was canceled in time.
I filed a dispute on XX/XX/XXXX. I explained in detail that I shop at my local XXXX frequently, use their app frequently, but did not make these charges.
I was given a provisional credit of {$480.00}. Within a week I received a letter stating that my provisional credit would be reversed because they did not believe an error occurred because the charges " were consistent with my spending pattern. '' I then called XXXX and spoke with an employee that I provided dates and my previous debit card info to, and she was able to tell me that one of these charges originated in XXXX, NY and the other in XXXX, FL.
On XXXX XXXX, after receiving this information, I contacted TDBank again, and filed another dispute, and gave them the information that the XXXX XXXX had provided me. I again received a provisional credit. Again, within a week, I received a letter stating that the provisional credit was going to be reversed. This time because " I had successful login attempts to my account. '' I again called TDBank, expressed my extreme frustration with the situation and was told they would forward it from disputes to the fraud department, and I would " receive a secure message within 24 hours, in my TDBank app, with a decision. '' I never received a message. I had to call TDBank back. I was unable to speak with someone in the fraud department, and was told I should go into the bank.
I did not see the point in this, but I did just that. I went to my local branch again, and was so frustrated at this point, that I asked to close my account. The bank manager asked me " to give her an opportunity to help me. '' I did not want to do this, but I couldn't close the account because I had a pending auto payment processing. So, I told the bank manager she could work on it, but I did not want a provisional credit, as the stress of all this was already enough.
I never heard from the bank manager.
This whole situation has been extremely frustrating. I did not make these charges totaling {$480.00}. I asked if the bank contacted XXXX, as I did, to confirm the charges did not originate in Maine, where I live. They never really answered the question. I offered to provide my timeclock punches from work. I had other charges on those days, such as a local XXXX XXXX, etc. I have never been so frustrated with a situation. I have banked with TDBank for almost 20 years. I feel as though I am being called a liar and a thief, and I am neither. I want this money back because I did not make these charges. I should not have to suffer the monetary loss simply because I shop at XXXX. I am askin for help to get reimbursed. I have tried every avenue with TDBank, and they just don't care.
|
| 01/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX Target Account # XXXX This is about my request to Target for them to remove a collection from my credit report. I wrote a dispute letter to the three credit bureaus requesting they remove the debt from my credit report since it was not mine. They responded by updating my credit report as accurate with the exception that Target put that I had made a recent payment on the account which I had not. I wrote the three bureaus again requesting proof of the recent payment and they responded with an update to my credit report by changing the recent payment and adding a date that was from 2018.
I filed a complaint with the CFPB asking for this account to be removed from my credit report due to inaccurate reporting, the final response from Target was them stating the account was mine and they refused to remove it. I then wrote Target a letter requesting a settlement because I wanted to have this collection removed from my credit report as it is damaging my credit and they did not respond. I then called them and they agreed to a settlement of {$1000.00}, they then mailed me a settlement letter with the agreed upon amount and date. The representative told me I could go into a Target store to pay the agreed upon amount. When I received the letter ; I went into my local Target and the cashier at the service desk told me they could NOT accept the payment because I did not have an invoice. I called Target to tell them the store would not accept the payment without an invoice. She stated she would mail me an invoice, and I should still make the payment at the Target store when I received the invoice. I received the invoice on XX/XX/XXXX and I went into the Target store that same day with the invoice and the settlement letter and they again would not take the payment because I had money orders. I went to my car, called Target while I was still there and told them this store would not take my payment because I was paying via postal money orders and the payment was for a total of {$1000.00}. I had a {$900.00} money order and a money order for {$190.00} because the postal clerk had typed in the wrong amount on the money order for {$190.00} and they did not have the cash on hand to cash it for me and make the correction. I told the representative I just tried to make a {$1000.00} payment with the two postal money orders and the cashier would not take the payment so would it be ok if I would mail it and that representative told me it would be ok if I mailed however he assured me if I took the payment and the invoice and the settlement letter back into the store they should take it. I did not take it back into the store, I mailed the payment of {$1000.00}, wrote in the subject line paid in full as agreed on both money orders and waited for Target to remove the account from my credit report.
To my horror, they updated the account to my still owing {$1600.00} which I do NOT. Target agreed to the settlement and to the terms of the money orders which they cashed immediately upon receipt. The terms of the agreement was that I pay {$1000.00} and I paid {$1000.00} plus {$1.00} and they did not honor the terms of the agreement and they did not honor the terms of endorsement of the money order which stated the account has been paid in full as agreed. I request they remove this collection from my credit report immediately. According to the FCRA they have to report accurate information, they in writing settled the account for {$1000.00} which I paid, they cashed and when they did they also agreed to the terms of endorsement which is paid in full as agreed. I am requesting this collection be deleted from my account immediately.
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| 10/07/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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My exboyfriend and I entered into an auto loan agreement with TD Auto Finance in XXXX. He left the area and took the truck with him. I was made aware he had defaulted on the loan in XXXX of 2016. He would not communicate with me or the banks ; I communicated with TD Auto, explaining I did not have the truck either. The repossessors came to my home and place of business, to verify I did not have the vehicle in late XXXX XXXX. In XXXX I was able to get a loan to purchase the truck myself. I reached out to my estranged friend and to TD Auto, explaining I was now interested in assuming the debt myself and would work with him to recover the vehicle 's location. TD Auto explained they had engaged the services of XXXX XXXX, to attempt to locate the vehicle, and gave me a contact number. I contacted XXXX XXXX. I spoke to XXXX at XXXX, who advised that IF I found the truck before he did, I would be able to buy out the loan and avoid any further collection activity. I reached out to the familly of my former boyfriend, who advised where he had been hiding the vehicle. I spoke to my Lender, first state bank of XXXX XXXX XXXX XXXX. They advised once i saw the truck and could attest to no damage, I could sign the papers. Which I did. My exboyfriend agreed to meet me with the vehicle, and I then drove it back to XXXX, WY. I signed the loan papers at XXXX, the bank contacted TD Auto Finance and they advised them to call XXXX. XXXX at XXXX spoke to XXXX at this number. XXXX advised XXXX to fax a copy of the cashier 's check of {$32000.00} to XXXX. XXXX faxed this check and confirmed receipt on XXXX/XXXX/2016. XXXX instructed XXXX to mail the cashier 's check to TD AutoXXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, ME XXXX. XXXX mailed the check that day. It was confirmed the fax was recieved. After XXXX/XXXX/2016, all communication from TD Bank, XXXX XXXX and XXXX XXXX all stopped. I drove the vehicle like it was paid for - as it was. I was shocked when on Tuesday XXXX XXXX at nearly midnight, I was awoken by the doorbell ringing. I was frightened, as I am a single mother with a small child at home. I contacted the local police. The police arrived and they spoke to XXXX, a recovery agent from XXXX XXXX. I offered to show XXXX the loan papers issued by XXXX XXXX Bank on XXXX XXXX, 2016 - he refused to see them. He stated his job was only to pick up the truck. He asked hat I remove my personal belongings from the vehicle. I handed him the keys, he took photos of the vehicle and he left with my truck. I was humiliated by the event, my daughter was traumatized, and I was left without a vehicle in the winter in Wyoming. At XXXX XXXX on Wednesday the XXXX, I contacted my loan officer, XXXX XXXX at XXXX XXXX Bank. He was astounded. He verified they had correctly followed all steps as indicated by TD. I called TD and gave consent for them to communicate with XXXX on this matter. XXXX has repeatedly attempted to contact all parties involved, and each party insists he call the other. Namely, XXXX XXXX at XXXX - XXXX at XXXX has called him four times with no return call. I personally contacted XXXX - they stated I needed to speak to XXXX XXXX. XXXX XXXX agent XXXX stated that they had repossessed the truck prior to my loan coming through - this is not true. In fact, XXXX stated the truck was repossed on XXXX, and the loan payoff was not received by TD until XXXX - a very difficult feat considering the certified funds were disbursed on XXXX/XXXX/2016. They are now requesting I pay {$960.00} to release the vehicle into my possession. I do n't feel I should have to do this, as I did pay the loan in full and the respossession was not necessary.
|
| 07/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Unexpected increase in interest rate
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Web |
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On Tuesday, XXXX XXXX XXXX at approximately XXXX XXXX I was at the TD Bank located at XXXX XXXX XXXX XXXX, MA XXXX and had a conversation with a banker XXXX XXXX.
During that conversation XXXX advised me of several credit card offers that I was invited to apply for. I explained that I had a freeze on my credit report in the freeze would first need to be removed. XXXX mentioned that the cash credit card what is 0 % interest for a period of XXXX months and an additional credit card offer double up card that offered XXXX months Im balance transfers at an interest rate. XXXX was asked and confirmed several times that the information provided was true and accurate and if it had any time limits pertaining to the same. I was told that there was not. And encouraged to apply.
I went through the process immediately based off of the bankers advice, removed the credit freeze on my credit bureau, and proceeded with XXXX separate applications again, based off of the conversation from the XXXX.
I was approved for both cards. And within a few weeks had both cards.
I first took advantage of the 18 month 0 % APR on balance transfer on the first card and begin to use the second card for the 0 % APR on purchases.
Upon receiving my first statement for the double up card, everything appear to be in order. After receiving my first statement for the cash card is when the discrepancy of financial trickery occurred.
I noticed that nowhere on the statement showed 0 % amount of APR for a period of time. I immediately contacted TD bank credit card department explain to them what I was told with a promotion. Once I was told that I needed to reach out to that location directly and have them code the account for the 0 % APR XXXX month promotion On Thursday, XX/XX/2023 I spoke to an individual who identified himself as a manager, XXXX XXXX, at the XXXX branch. I recapped the above with him. And XXXX advised he would get back to me before the end of the day, claiming a resolution. He also indicated the proper chain of complaint process regarding a cXXXX XXXX If a resolution does not get rectified later that day, XXXX left a voicemail to follow up.
On Wednesday, XX/XX/2023 XXXX made contact again, and advised he spoke with an area rep. He refused to provide any information for that rep and advised the solution that they can offer is to provide XXXX month of free interest. And concluded the matter was closed when questioned about an additional review from the chairman center. I was advised that thats as far as the matter would go. I called back in and requested that this be escalated, or I will be filing necessary complaints and be possibly seeking legal action under Massachusetts law 93A and regulations theyre under. I was wished luck because I filled out the credit application myself from my phone. I can asked for this to be escalated, and I was told that I can not be done. I again asked for the local rep who made the determination and advised that they could not give that information to me.
I have left messages numerous times for a return phone call back from the chairman center and receive nothing other than a narcissistic playground unresponsive voicemails and no one to return calls. At the branch level was gaslighting, bad information and misguided truth about the proper way to have a XXXX complaint escalated. Base from TD banks own website.
Here the mask is off, TD Bank can be deceptive to its consumers and do whatever they want with no fear of accountability. Similar to the {$1.00} XXXX Ponzi scheme settlement just in XXXX of this year. In addition to a recent {$70.00} XXXX dollar in an overdraft settlement suit.
|
| 06/27/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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PART 1, TO BE CONTINUED IN PART 2 : When I signed up at/with TD Bank I only physically signed one agreement that only stated and I agreed to that if my checking account was overdrafted after XXXX, of any given day of the week, I had until XXXX of the following day to bring my checking account current and out of its overdraft status or otherwise I would be charged and receive an overdraft fee of {$35.00} for each appropriate overdraft transaction in my checking account. Being a very low fixed income Social Security XXXX and SSI monthly recipient due to my XXXX and XXXX status, I found this arrangement within the only agreement that I signed with TD Bank to be a very excellent arrangement. Then one day, about a month ago, after XXXX, my TD Bank checking account went into an overdraft situation and as I regularly and normally did, I made a deposit into my TD Bank checking account before XXXX, which quickly brought my TD Bank checking account out of its overdraft status so I taught at the time that I had done what I had agreed to do with TD Bank as per the only agreement I signed with TD Bank. Then the following day, to my surprised I received an overdraft fee of {$35.00}, which shocked me greatly and then to add insult to injury, when I called customer service, I was told that the overdraft fee portion of the only agreement I ever signed with TD Bank, had been totally eliminated and changed. I was totally uninformed, unaware and clueless of the overwhelming overdraft related elimination and change that took place at/with TD Bank, in one very quick second, America 's Most Convenient Bank had become America 's Most Inconvenient Bank. The customer service representative quickly informed me that a TD Bank mass mailing of a date sensative letter had been mailed out to all of its customers, a letter which explained the overdraft related eliminate and change. A letter I was never sent or received so when the TD Bank customer service representative explained the entire situation to me and she reversed/refunded the {$35.00} overdraft fee to my TD Bank account, I informed her that I did n't like or accepted these unfair changes. To this day I still have't received the original or a copy of TD Vank 's so called mass mailing letter. I 'm still very disturbed about how TD Bank, had pulled the rug from right under my feet so I recently expressed my concerns to the XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I never signed anything stating I accepted, agreed with/to or honored that overdraft related eliminations and/or changes. Then last Friday, out of the blue, I received a surprising and much welcomed call from my local Congresswoman 's office and a highly powerful and profiled XXXX XXXX lawyer that had been forward my concerns, along with over XXXX other low fixed monthly income Social Security XXXX and XXXX recipients, that live all over the United States. To the lawyers surprise, we all shared XXXX thing in command, TD Bank 's totally uncivil, unfair, discriminating, while also taking total advantage of endless XXXX Americans and their families receiving very low fixed monthly income related direct deposits from Social Security XXXX, XXXX and/or their local state agencies. The lawyer informed me that XXXX other XXXX XXXX related law firms and his own personal XXXX XXXX related law firm were all going to team up to filing a class action lawsuit against TD Bank soon and that he would like for me to one of the many XXXX Americans and/or low income families that XXXX other partnering XXXX XXXX law firms together with his own personal XXXX XXXX law firm are going to be totally and fully representing in a US Federal court.
|
| 06/01/2021 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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On XX/XX/XXXX, I opened a TD checking account in response to a TD Bank {$300.00} bonus offer for opening a TD Beyond Checking account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening.
On XX/XX/XXXX, I opened a TD savings account in response to a TD Bank {$200.00} bonus offer for opening a TD savings account with {$20000.00} or more in new funds deposited into the new account within 20 days and maintaining a balance of at least {$20000.00} for 90 days.
After opening the savings account in XX/XX/XXXX, I realized that offer terms stated that customers who received a bonus on a prior checking and/or savings account do not qualify. That's why I did not complete the requirements for the savings offer.
Then, I reviewed the offer terms for my checking account opened in XX/XX/XXXX and noticed that restriction was not included at that time. Therefore, I am eligible for the {$300.00} bonus because my previous checking account was closed at the beginning of XX/XX/XXXX before the 12 months exclusion period defined in the XX/XX/XXXX checking offer.
After fulfilling the checking offer requirements and not receiving the {$300.00} promised bonus, I contacted XXXX XXXX XXXX, Assistant Store Manager at TD Bank branch located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX who submitted a complaint to TD Bank on my behalf on 05/14/2021.
As per TD Bank response on XX/XX/XXXX, I did not qualify for the {$300.00} bonus due to not meeting the " one bonus per account per customer and can not be combined with any other offer '' requirement included in that offer.
The " one bonus per account per customer '' requirement is a very common bonus offer term used by all banks and refers to the fact that the customer can receive the bonus only for one account of that type in the offer. In other words, if the client opens several checking accounts at the same time under the same offer, they will receive the bonus for a single checking account.
The " offer can not be combined with any other offer '' requirement is also a very common bonus offer term used by all banks and refers to the fact that the same account can not be used to satisfy several available offers at the same time. In other words, if there are several bonus offers for checking accounts available at the same time, the checking account will receive the bonus for only one of those offers, which is normally the original offer under which the account was opened unless something different is specified in the terms of the offer.
The " one bonus per account per customer and can not be combined with any other offer '' requirement is included in both the XX/XX/XXXX offer and the XX/XX/XXXX offer. However, the " customers who received a bonus on a prior checking and/or savings account do not qualify '' requirement is included only in the XX/XX/XXXX offer.
If the " one bonus per account per customer and can not be combined with any other offer '' requirement of the XX/XX/XXXX offer automatically invalidated customers who had previously received a bonus, why did the new accounts promotions department took the extra step of explicitly adding the " customers who received a bonus on a prior checking and/or savings account do not qualify '' requirement to the XX/XX/XXXX offer? Very simple because many clients complained that they had been encouraged to open new accounts with misleading terms and in the end they did not receive the promised bonus. Adding the extra requirement to the XX/XX/XXXX offer is a tacit acceptance by the new accounts promotions department that the terms were not clearly defined in the XX/XX/XXXX offer.
|
| 09/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
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On XX/XX/XXXX, I enrolled in a XXXX payment plan with XXXX XXXX ( TD Bank ). The payment plan terms outlined that my minimum monthly amount had been reduced to {$10.00} effective XX/XX/XXXX. My XXXX account showed payments as posted on XX/XX/XXXX and XX/XX/XXXX of XXXX as well as XX/XX/XXXX of XXXX. When reviewing my credit report, I noticed derogatory remarks were present on the aforementioned account. I first disputed the item directly with XXXX and XXXX on XX/XX/XXXX. The dispute was completed and stated the remarks were not removed ; however payment information for those months marked as late were updated to reflect I did in fact make the payments as agreed. I contacted TD Bank via its XXXX XXXX messaging center on XX/XX/XXXX, alerting them to the recent dispute and the results from the dispute. I received the following message in return on XX/XX/XXXX : We understand your concern about your recent credit bureau information you received.
We understand this may not be the outcome you were looking for with your recent dispute but we hope you understand that we must remain consistent with our credit policies, in fairness to all our accountholders.
We apologize, we aren't able to help through online messaging. We can better assist you with your questions and concerns if you can give us a call at XXXX. We're available XXXX am - XXXX pm CT, 7 days a week.Looking forward to your call! Sincerely, Target Card Services, servicer to TD Bank XXXX, XXXX.
I replied on XX/XX/XXXX via the same messaging platform inquiring what Target RedCard credit policies were regarding Payment Plans since the Payment Plan Terms email received on XX/XX/XXXX stated no such verbiage with the ongoing issue. No response was received and I resent the previous message from XX/XX/XXXX again the next day ( XX/XX/XXXX ). On XX/XX/XXXX, I received the following reply : We'd be happy to assist you with your questions, however we can't help here online. Please give our representatives a call at XXXX. Representatives are available Mon -Thur XXXX am - XXXX pm CT, Fri XXXX am - XXXX pm CT, Sat XXXX am - XXXX pm CT. We're closed on Sunday and some holidays.Looking forward to your call.
Sincerely, Target Card Services, servicer to TD Bank XXXX, XXXX.
I replied back inquiring which contact number was correct for the dispute department and received the following response on XX/XX/XXXX : We understand your concern in regards to getting in contact with the correct department.
If you'd like to speak with us about your dispute, please give us a call XXXX. We're available XXXX am - XXXX pm CT, 7 days a week.We look forward to helping your resolve this issue! Sincerely, Target Card Services, servicer to TD Bank XXXX, XXXX.
I called the later number given by the representative, and was transferred through multiple departments as no one knew how or who handle credit reporting disputes. One final representative stated that they submitted a ticket to address my concern ; however no correspondence or communication was received after as far as the status of the dispute.
I reopened the dispute and submitted supporting documentation to XXXX showing the Payment Plan Terms confirmation email sent on XX/XX/XXXX as well as proof of payments being posted on the agreed upon payment date. The dispute results came back the same despite the supporting evidence that payments were made on time in the agreed upon amount. I added the statement to my XXXX credit report stating that PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE since I have exhausted all methods to remove the inaccuracies that have been reported to all three credit bureaus.
|
| 02/16/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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I have a huge ordeal with TD Autofinance. XX/XX/XXXX I was able to obtain loan to purchase a car from XXXX. Everything was normal, I ran into personal troubles and the ultimately, the car was repossessed. I had corrected the issue by paying all the late payments as well as any repo fees that had came from said recollection of vehicle.
I continue to make on time payments, then comes time for registration/tag renewal on vehicle. I was not allowed to renew because vehicle title had been reverted from my name to the bank 's ( TD Autofinance ) name. I called the bank to figure out a solution and they explained to me that because of the recollection, the title transferred to the bank. This made sense to me, so I went about on how to find a solution. They said they were to send me documents on obtaining the title back with me sending them information first ( ie proof of insurance, notary, etc ).
Obtaining the proof of insurance was difficult because I needed the title to reflect my name, and I could n't get the title because I did not have insurance at the time. It was a debilitating circle, but I had managed to obtain insurance, and I had sent all the information asked of me through their express XXXX mailing folder. This first issue had happened in XX/XX/XXXX.
Throughout a span of 3 months ( going into XX/XX/XXXX, I followed up constantly trying to get the vehicle up to date with the title reflecting my name. I had explained the situation to the supervisor or the customer service, collections, and title departments to come to an agreement that I would not pay until this was resolved. A bold move that they had granted me because they assured me the process was fairly quick to be resolved ( would you be comfortable paying {$350.00} a month to have a car sit in your driveway? ) Now, my issue has been the fact that they did not follow up with any information to me, two months go by and I am charged for 2 LATE months of payments, so {$700.00} plus their late fees. Now enter XX/XX/XXXX and I obtain a 2nd letter of repossession. This was a huge slap to the face to me as well as financial red flag because this would mean I would have to pay the whole sum of the car as well as take a XXXX HUGE hit on my credit for another collection.
I understand the first time was my fault and I am well passed that, but this second time is all on the bank 's account and not my fault. I cooperated with what was asked of me. I call again to contest this letter only to have the department supervisor whom I was speaking to basically call me a liar saying that I did not send documents, which I found ludicrous because I was holding the package receipt in my hand proving I indeed did so. So, they call me two hours later to tell me they did find the paperwork ... ..a full 3 months later!! Unbelievable how a bank mishandled time sensitive information and then penalize me with late fees and threats of repossession. I have waited days since they assured me a solution, especially since I threatened to complain to them, the CFPB and others.
All I want is a solution to my issues. Issues being title to reflect my name, the late fees to be removed, the repossession to be taken off my account and my credit report and some sort of credit. Let it be known I have been paying for insurance during this whole debacle ... for a vehicle I legally can not drive! Also, have lost money, employment, and employment opportunities because of lack of transportation. I have been fair, calm, and collected when speaking with their reps but enough is enough, this is now how you conduct business especially with customers who had seeked out a loan from them.
|
| 02/07/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Credit decision / Underwriting
|
|
Web |
|
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My wife and I applied for a HELOC with TD Bank back on XXXX XXXX 2016. We filled out an application and then proceeded to provide all the necessary information they required i.e. income verification, XXXX, XXXX, place of employment etc etc.. Both my wife and I have excellent credit. They then sent us a appraisal performed by " XXXX '' which came back at {$450000.00}.. I then asked why the offer was {$69000.00} when their website calculator using our current debt of XXXX and their appraisal of {$450000.00} came back at {$97000.00}. The processor said, " good question '' let me ask our lender ( underwriter ). The processor came back an said because our appraisal came back at {$380000.00}, which blew my mind since I was holding their appraisal in my hand ... Besides the fact that when we did our refi a few months back ( XXXX ) our mortgage holder appraised our house at XXXX More in line with the {$450000.00} TD Bank originally sent us.. When I asked where the {$380000.00} came from all our correspondence stopped.. Yesterday, my wife and I received yet another appraisal from TD Bank to show the {$380000.00} they claimed and then proceeded to tell us that we now do n't have enough collateral for a HELOC.. almost a month after our application was submitted. Our big issue is why was there two appraisals done and why was the first appraisal that they ordered not considered. Our house has NEVER been appraised that low, and quite frankly do n't understand why a second appraisal was needed. TD Bank who claimed on both their commercials and website and all correspondence that they sent to us that they are " America 's most convenient bank and they pride themselves on delivering legendary Customer Service ''. At this point I would have to seriously disagree. Why all of a sudden communications just stopped and when I went to our local branch the loan officer who originally helped with the loan as very confused as well.. So now both the processor and loan officer are confused why the first appraisal was not considered. Then I find out through the local loan officer said our loan shows " Denied, due to not sufficient collateral '' which was news to both, my wife and I AND our loan officer especially even at {$380000.00} our loan to equity at .90 % of appraisal still comes in at {$33000.00}. It seems very convenient for TD Bank to have appraisals done until they get the $ $ amount they want before moving forward. How can an full appraisal done inside and out back in XXXX come in at {$440000.00} and two `` drive by '' appraisals 6 month 's later come in at {$450000.00} on XXXX XXXX and then a second one at {$380000.00} on XXXX XXXX ) Something just is n't right.. the first one was much more in line with our current mortgage holder 's full appraisal as opposed to a {$60000.00} difference in 6 months ... Both of these appraisals did n't take into consideration the XXXX. We also have a XXXX that they would not know about and a bedroom XXXX ... We " just '' completed a new front porch XXXX. All these features would put this house easily in the {$400000.00} 's. There just should n't be this kind of stress or pressure when applying for just a HELOC, with excellent credit and the fact that our government shows daily ads how they want to help homeowners save money with debt consolidation. Yet we get TD Bank denying their own appraisal and asking for as second one.. Why send us BOTH in the mail if you are not going to use it.. and why is there a {$72000.00} difference between the two within 15 days??? Very disappointed that this bank with claims of " great customer service '' has left us feeling very very frustrated ...
|
| 03/26/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
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|
1st of 2 complaints ( Checking and Saving Account ) I opened both Checking and Saving accounts at the same time for the promotion of {$200.00} + {$300.00} bonus on XX/XX/XXXX. Then, I meticulously followed all the written terms and conditions. After passed 140 days I was told that I am not qualified to receive any of the bonuses.
For Saving Account {$200.00} Bonus : TD disqualified me to get that bonus because I funded the account by transferring {$19000.00} from Checking account that was opened at the same time that I opened the Saving account. TD insisted that the {$19000.00} is not the new money because it came from Checking account.
I insisted the {$19000.00} is the new money because both Checking and Saving were opened at the same time and the funds came from XXXX XXXX Bank. So, that is the new money for TD Bank.
At that time, after I opened both accounts, I transferred large amount of money from XXXX XXXX Bank to TD Bank in order to fund both new Checking and Saving. I could only connect one TD Bank account to XXXX XXXX. So, all the funds that I transferred from XXXX XXXX to TD Bank were NEW funds.
In the meantime, TD Banks written rule about the new money only stated New money is funds that are not currently held in a TD Bank retail deposit account. Broker, municipal, commercial and small business deposits are not included. So, the rule does not specifically say the new money can not come from Checking or Saving that are opened on the same day, or vice versa. Also, TD Bank retail deposit account is not personal Checking Account.
TD Bank did assure me on XX/XX/XXXX message ( attached and highlighted in pink ) that I was qualified to receive the {$200.00} bonus but I have to wait because the bonus will be posted within 140 days.
What triggered that assurance on XX/XX/XXXX because TD Bank made a mistake to charge {$15.00} maintenance fee that drop my balance below {$20000.00}. After I contacted them, they corrected the mistake by reversing the charge.
Yesterday, I was able to chase the Vice President regarding this issue. He insisted that {$19000.00} was not new money. Again, I copied and pasted the term and condition that stated New money is funds that are not currently held in a TD Bank retail deposit account. Broker, municipal, commercial and small business deposits are not included. So, the rule does not specifically say the new money can not come from Checking or Saving that are opened on the same day, or vice versa. Also, TD Bank retail deposit account is not personal Checking Account. Below is his information : XXXX XXXX XXXX Vice President Retail Market Manager | XXXX XXXX TD Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX M : XXXX For Checking Account {$300.00} Bonus : 2nd of 2 complaints ( same information but different Complaint Number for both Checking and Saving Account ) No detail explanation why I was disqualified. It took them 13 days to respond to my several inquiries, just for them to say I was disqualified.
In the meantime, I have made my employer Direct Deposit my paycheck of more than {$2500.00} within 60 days of the account opening. Then, monthly Direct Deposit over the required amounts. Also, my daily balance never drops below the required amounts.
On XX/XX/XXXX message through portal ; I was told that TD Bank needs another 3-4 weeks to review my accounts.
So far, I feel there is lack of good faith from TD Bank to honor pay their debt. Their reason that my {$19000.00} fund is not new money seems to be just a copout. Please make them pay all the sign-up bonus that I am entitled to for the total of {$500.00}. Thank you.
|
| 09/04/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
TD Bank is claiming that I owed them interest and fees, although they ( 1 ) agreed not to charge interest and fees and even refunded {$2.00} that I had paid, ( 2 ) continued to amass fees after the account was closed and paid off, and ( 3 ) never informed me by mail or email or by automated checking account withdrawal that they felt that I still owed them anything.
As thecfpb has already closed a related case, I am forced to file yet another complaint.
I DO NOT, AND DID NOT, OWE THE {$3.00} THAT TD BANK CLAIMS THAT I OWED.
I wrote XXXX XXXX with a few changes, as I found more documentation.I have asked Mr XXXX to contact me directly via phone, and to email me, which he has not done. USPS tracking shows that the letter ( addressed to Mr XXXX and marked " personal '' ) was picked up on Thursday XX/XX/XXXX.
I am also asking that Mr XXXX give me the name and phone number and email address of his supervisor.
I DO NOT, AND DID NOT, OWE THE {$3.00} THAT TD BANK CLAIMS THAT I OWED.
Proof, which I sent Mr XXXX : 2 ) XX/XX/XXXX letter asking for a past-due amount of {$0.00} 4 ) XX/XX/XXXX letter from Mr XXXX, stating that TD Bank has not negatively reported my account to the credit bureaus, that my account has been closed, and that there is a balance of {$2.00} which they are refunding.
5 ) XX/XX/XXXX letter stating that there was a {$2.00} balance on my account that TD owed me ( sent with a check for the {$2.00} ) 7 ) Check I wrote to TD Bank on XX/XX/XXXX for {$6.00} which was cashed by them and shows up in my XXXX XXXX statement on XX/XX/XXXX 8 ) My XXXX XXXX statements for the periods ending XX/XX/XXXX and XX/XX/XXXX, showing no attempt by TD to withdraw the money I allegedly owed XXXX ) I'm also attaching my XXXX XXXX statement ending XX/XX/XXXX, showing that on XX/XX/XXXX TD tried to withdraw {$5.00} ( reversed on XX/XX/XXXX by XXXX XXXX ). Obviously, as of XX/XX/XXXX, I only owed TD Bank {$5.00}. Since TD cashed my check for {$6.00} on XX/XX/XXXX, TD owes me {$1.00} and I owe TD Bank nothing.
I also sent Mr XXXX : XXXX ) XX/XX/XXXX letter from Mr XXXX, stating that the automated deductions from my XXXX account are from a " recurring payment that you authorized and set up on XX/XX/XXXX to be taken out of your XXXX XXXX checking account ending in XXXX to be applied to your TD Bank credit card ending in XXXX '' This is completely inaccurate, as the payments I authorized were from Ally Bank for a different account number 3 ) XX/XX/XXXX letter from Mr XXXX, FINALLY explaining that the TD credit card was the same as my XXXX credit card 6 ) My XXXX credit card statement ending XX/XX/XXXX, with a paragraph that 99 % of people would not read, mentioning that TD card I phoned TD XXXX on XX/XX/XXXX ( date is approximate ) and spoke with XXXX. She said she removed all the charges, Yet when I spoke with XXXX at that number on XX/XX/XXXX, she said that there was a balance of {$1.00} due. TD Bank is still charging me interest despite there being a {$0.00} balance and the account closed.
As TD Bank cashed my check for {$6.00} when I only owed {$5.00}, never informed me that they feel that I owe them anything, and they did not try to withdraw it from my XXXX XXXX account, I did not and do not owe them anything.
The first I heard of any amount that I allegedly owed TD Bank was when I got a copy of my credit report.
I am asking again that TD Bank acknowledge that I did not and do not owe them anything, and to remove the XXXX mark on my credit record.
Attached is the letter which I sent Mr XXXX, which gives the details.
Also attached are documents 1-9, mentioned above.
|
| 01/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I currently have no traditional first mortgage on my home. I just have a {$500000.00} HELOC from TD.
In XX/XX/XXXX I approached TD about getting a traditional fixed rate mortgage from them and having them subordinate my HELOC.
On XX/XX/XXXX provided me with a Loan Estimate for the mortgage with list of closing items and costs associated.
On XX/XX/XXXX offers : Option 1 : Reduce loan amount to XXXX paying home equity line down and reducing the line availability to XXXX instead of XXXX.
Option 2 : Reduce loan amount to XXXX ( paying XXXX toward and keeping heloc availability at XXXX.
In other words, the combination of mortgage and HELOC notional is {$710000.00} or 80 % of appraised value. Eventually {$330000.00} mortgage and {$380000.00} HELOC was agreed.
In anticipation of closing the new loan and subordination the HELOC with reduced notional, on XX/XX/XXXX and XX/XX/XXXX TD issues a Closing Disclosure. The CD has about {$700.00} of additional fees that were not disclosed on the original XX/XX/XXXX Loan Estimate.
TD could not explain why there was suddenly new fees. The title company agrees to waive some of the additional costs but TD will not agree to waive the remainder. Due to this unprofessional, unethical and possibly illegal last minute attempt by TD to squeeze me to make me pay additional fees I do not close the mortgage with them and approach other lenders.
I work with a new lender who provides me with a Loan Commitment on XX/XX/XXXX.
We started the subordination request with TD at the end of XXXX/beginning of XX/XX/XXXX and it took almost six weeks for the TD Subordination department to even review the request ( XX/XX/XXXX ). I have spent many hours over the past two months trying to get general updates and responses to the request generally without success.
On XX/XX/XXXX We received the following response from TD : " XX/XX/XXXX SUBORDINATION REQUEST IS CONSIDERED DENIED WITH A COUNTEROFFER FOR A LIMITED CASH OUT ONLY. BORROWER AND CO-BORROWER FICO BELOW MINIMUM GUIDELINES ; VALUE OR TYPE OF COLLATERAL NOT SUFFICIENT. PRIMARY BORROWER FICO 2 SCORE OF XXXX AND CO-BORROWER FICO 2 SCORE OF XXXX ARE BELOW MINIMUM GUIDELINE OF XXXX. CURRENT CLTV OF 87.31 % EXCEEDS MAX ALLOWED OF 80.00 %. MAILED ADVERSE ACTION LETTERS TO EACH CUSTOMER AT MAILING ADDRESS ON FILE.
Counteroffer for limited cash out : Limited cash out would be after paying off first mortgage and closing costs only, customer not receiving more than {$2000.00} at closing. For this we would need updated loan documents reflecting this request as a limited cash out. Any loan amount changes would require updated XXXX, XXXX, Commitment letter, Closing Disclosure and Title. '' On XX/XX/XXXX we respond back to TD accepting the counteroffer and providing the requested documents.
On XX/XX/XXXX TD responds : " After re-review, we are currently 1st & only mortgage lien. Borrowers are obtaining a new 1st mortgage and using proceeds to pay our HELOC off but NOT close it. This would require a Cash Out subordination. As both borrowers ' FICOs are below our min. requirement of XXXX, the decision to DENY stands ; there is NO Counter Offer available. '' In other words TD made a mistake and rescinded their counteroffer.
I send an email explaining to TD why they should approve from a risk perspective. I also mention that TD had agreed to the subordination ( with reduced notional ) of the HELOC when TD was going to be the mortgage provider and that TD 's refusal to approve the subordination now with a new lender was a violation of anti-tying banking rules. TD responded that the subordination was still denied.
|
| 09/09/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
To whom it may concern : Before I file a complaint with the Connecticut banking commission and post my reviews and comments all over social media, I wanted to let you know of my frustration with your subordination department and give you a chance to respond.
My wife and I completed paperwork for subordination on XX/XX/XXXX and submitted it to our attorney. It was received by TD Bank on the XX/XX/XXXX. At that time, we were told that it would take 10 to 14 days for review. That length of time came and went.
Every time we emailed, we were told 10 to 14 days. Finally, towards the middle of XXXX, we were told by the end of this week or next.
Frustrated, I finally called and spoke to XXXX, a lovely woman who was very helpful. Like me, she could not believe so much time had elapsed between the submission of the paperwork and an answer. After nearly an hour on the phone, she came back to report to XXXX, the person with whom we were dealing, is the only person working in the subordination department. She said this was because of transfers and other situations. Again, like me, she was surprised that this would be the case. She agreed to expedite our case and to do all she could to make her deadline of closing.
That time came and went. We lost a lock on our rate and have had to lock at a different rate. Originally, we were refinancing her home at 2.875 % for 30 years. We are now having to look at a 3 % rate. Though it doesnt seem like much, your companys lack of customer service and inability to process paperwork in a timely manner has cost my family {$11000.00} over the life of the loan. That is unacceptable.
It has now been eight weeks since TD Bank received the paperwork. I still have no update and I still have no subordination agreement. If we do not close on the loan in the coming days, we will be out nearly {$4000.00} in fees and have to start the process all over again.
This is simply unacceptable. Your customer service is horrible. Having lost friends to the pandemic and working at a XXXX that has suffered serious layoffs, my wife and I have seen firsthand the heartbreak this pandemic has cost. Like XXXX, my wife and I are both working remotely. Like your company, our XXXX have taken significant hits.
In an email I received this morning, which was automated, I am now told that it will take nearly 30 days to get subordination. Customer should have been told of this change weeks ago. Having one person organize the subordination department is unconscionable. Mortgage rates are at an all time low and your institution seems perplexed by the fact that people would want to refinance their homes.
As soon as we close on the refinancing, our plan was to refinance our home equity loan with TD Bank. That would allow us to make the home improvements weve been hoping to make. I am now of the mind that I might be better off walking away from TD Bank completely, closing our accounts, and trying to get a home equity loan somewhere else.
I ask that you do all you can to get the situation resolved. We have submitted all the paperwork, paid the fees, resubmitted paperwork when the original was out of date, and now are in limbo.
I would appreciate a response within the next 48 hours. Otherwise, I will do all I can to file complaints and make our situation known. We are a family of XXXX and can not afford XXXX additional dollars out of pocket over the life of the loan when we couldve taken advantage of such a low rate had your institution been ready to meet the needs of its consumers.
Thank you.
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX
|
| 06/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
On XX/XX/2022, a fraudulent check was cashed for {$7300.00} from our joint checking account ( married couple ). The check # XXXX had been stolen from a US post office mailbox ( apparently ). The original check # XXXX had been written on XX/XX/2022 to TD Bank to make a credit card payment of {$350.00}. The {$7300.00} check ( now re-dated XX/XX/2022 ) was cashed at XXXX XXXX XXXX on XX/XX/2022 by XXXX XXXX. In the copy of the scanned check provided by the bank, you can clearly see that the fraudulent check was written over the original check -- with the original writing showing beneath the fraudulent writing on the check. When the check was cashed it XXXX out our account -- to the penny -- it cleaned out our checking account.
As soon as I saw this in my TD Bank app, I went directly to the bank on XX/XX/XXXX and reported the problem -- that I had not written a check to XXXX XXXX for any amount. I had proof that the {$7300.00} check amount was overwritten because I use duplicate checks and I showed them the original check duplicate copy. At that time, bank personnel agreed that this was clearly fraud and they contacted their Fraud department to report the problem. I was told initially that because we had caught it so early that the bank would refund the money within 10 days. However, even though I showed them the duplicate check they did not make a copy of the proof and said they didn't need it. Two weeks later I got a letter in the mail asking for the proof, which I had offered them the day a reported the fraud. I went back to the bank again to re-show them the duplicate check and this time they made a copy of it.
To prevent further fraud on our checking account, on XX/XX/XXXX, I closed our checking account and opened a new one, which was an inconvenience but the prudent thing to do.
I have been back to the bank numerous times to check on the status of our case and expected the money to be refunded long ago. After 10 days had passed, they said it might take three weeks. They are now telling me that TD Bank has to recover the money from XXXX XXXX XXXX before they can refund the money to our checking account. It could take up to 120 days.
Now it's been nine weeks and our funds have not been replaced. This has caused hardship for us because we need those funds to pay bills. The bank has more ability to float the funds than small consumers like my family.
TD Bank 's treatment has been unfair and misleading. They have changed the timeline of our refund numerous times, which makes it difficult to plan our budget for bill paying. We are unable to contact TD Banks fraud department directly. The letter they sent me provided no contact information except a name. Even the bank manager says that the fraud contact does not answer her emails and she has no phone number for him.
I want an immediate refund. It is clear that we did nothing wrong and that the banks cashed a clearly fraudulent check. We filed a police report but nothing has come of it.
In addition, XXXX XXXX forged another fraudulent check from our account on XX/XX/2022 for {$8300.00}. This time it was a completely fraudulent check ( not an original check written over - but " made up '' ). This transaction caused TD Bank to automatically remove that amount from our Savings Account to cover the overdraft in our checking account ( an overdraft protection service ). Because we had closed the original checking account, the bank did not pay the {$8300.00} check, but we had to move money between our savings and checking accounts to make sure that other checks did not bounce with additional overdrafts.
|
| 02/10/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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TD Bank/TD Card Services did not properly handle a credit card dispute and did not follow-up on the dispute, as other banking institutions would have done. In addition, this credit card dispute involved four banking institutions, and all three of the other banking institutions followed-up on this credit card dispute and provided a permanent credit for the disputed amounts. TD Bank is the only bank that has not followed-up on the dispute and provided a permanent credit for the disputed amount.
TD Bank does not respond to written communication and never responded to the attached letters written to TD Bank asking them to properly handle this credit card dispute.
As shown in the enclosed correspondence, a service provider agreed to provide ongoing representation in a legal matter for XXXX. Because of the amount of the charge, it was split over four credit cards. The service provider failed to provide the agreed upon services for the payment of XXXX. I then requested a refund for the charges totaling XXXX. The service provider admitted they did not provide the agreed upon services but ignored requests for a refund. I submitted disputes to the four credit card companies for the four credit cards involved in the dispute. TD Bank did not follow-up on the dispute process. ALL three of the other credit card companies properly followed-up on the dispute and provided credits on my credit card accounts for the dispute amount.
I wrote to TD Bank on XX/XX/2019 initiating this dispute in regard to services that were not provided.
I wrote to TD Bank on XX/XX/2019 providing additional information and thanking them in advance for their assistance in regard to the dispute.
I wrote to TD Bank on XX/XX/2019, asking them to follow-up on this dispute. They never responded.
When I received another credit card statement from TD Bank and they had still not given me a credit for the dispute amount, I wrote to TD Bank again on XX/XX/2019, again asking them to follow-up on this dispute. They never responded.
When I received yet another credit card statement from TD Bank and they had still not given me a credit for the dispute amount, I wrote to TD Bank again on XX/XX/2019, again asking them to follow-up on this dispute. They never responded.
TD Bank NEVER provided any response to my letter of XX/XX/2019, NOR to my letter of XX/XX/2019, NOR to my letter of XX/XX/2019.
I called TD Bank on XX/XX/2019, and they told me that the dispute had been closed but they told me on the phone that they were reopening the dispute. Again, it has been months and I have not received any follow-up communications from TD Bank in regard to this dispute.
All three of the other credit card companies, involved in the SAME dispute, have given me refunds for the amounts that are part of this same dispute. The other three credit card companies provided those permanent credits months ago. TD Bank has still not handled this dispute with the other bank involved. TD Bank NEVER follows-up on the dispute process and repeatedly NEVER responds to communications.
I am attaching the correspondence with TD Bank. TD Bank only sent three form letters at the beginning of the dispute process. The only information specific to my dispute was the date received, the Case Amount, Merchant Name, and Transaction Date. Each time, all of the other information in the short letter was just a form letter that was not specific to my dispute. And, TD Bank failed to provide any documentation from the merchant as they state in the third form letter.
TD Bank never took the proper steps to properly process this dispute.
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| 02/24/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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TD Bank Fraud Compliant XXXX XX/XX/2021.
On the afternoon of XX/XX/2021, approximately around the hour between XXXX XXXX and XXXX XXXX, I received a call my bank T Bank N.A the Representative on phone indicated that an attempt of {$450.00} was made at a XXXX XXXX in XXXX, Florida. In told the official that was it not me and I am at my job at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was totally assured that I was speaking to representative from the TD Bank because of my caller ID on my mobile unit which identified in coming calls and out going calls. This is what was displayed on phone screen as a incoming call TD Bank ATM XXXX XXXX XXXX XXXX, The representative from the bank told me do not be alarmed that the transaction did go through and deemed suspicious, and my account was shut down, the representative from the bank then said to me that he need to investigate what happen and that he will assist me with setting fraud alert on my account and he will be sending me a text indicating that an attempt for {$100.00} and I should replying y for Y for yes however this is just a test, and my card would not be debited, I did reply with a Y for yes.
At that time the call disconnected and the same representative of the bank called me again and indicated to me that again will send another text and I should reply N for no on this text message, however that text message never came, the representative told me on several occasion that he sent the text messages of which never made it to my phone, he again assured me that every thing would be sorted out and he will be sending me a new card in the a in a few days in the mail.
Again the call was lost and the representative from the TD Bank called me again and said to me that every thing will be taken care off, and that was the last I heard from him, as matter of fact there were three ( 3 ) call from TD Bank ATM to me that evening, the first call was at XXXX XXXX and lasted for 21 minutes 58 seconds, second call was at XXXX XXXX and lasted for 24 minutes and25 seconds, third call was at XXXX and lasted15 minutes and 14 seconds.
The following morning XX/XX/2021 I logged onto my online banking and discovered that there was Twenty Two ( 22 ) transaction on my debit card the day before with a total amount of XXXX XXXX XXXX XXXX XXXX XXXX Dollars and XXXX XXXX cents ( {$1900.00} ) I immediately call the bank at XXXX XXXX on XX/XX/XXXX to inform that that those transaction were not done by me and that I want my account shut down, the representative asked if I wanted to make a claim, I indicated yes to her, she made the claim in above mentioned sum of monies, she made the claim and provided me a Reference number, I continued to monitor my account my account and realized that my account was not closed, and my card was still being used, I called the TD Bank a total of six time that day XX/XX/XXXX, my account shut on my on my sixth call at XXXX XXXX that evening, by the time my account was shut down, there were another XXXX transaction on my account with a total of XXXX XXXX XXXX XXXX and XXXX XXXX Dollars and XXXX XXXX cent, with a grand total of XXXX XXXX XXXX and XXXX XXXX dollar and XXXX cents.
I since then I have filed a Police report of which I have forwarded to TD Bank coupled with my time sheet stating while these transaction were happening I was at my Job in XXXX NY. With all the transaction happening In Florida. And mostly at XXXX XXXX.
I have made three claims so far and T D Bank has denied all my claims, stating that there were evidence of fraudulent activities.
XXXX XXXX Mobile XXXX XXXX XXXX
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| 02/15/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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TD Bank Fraud Compliant XXXX XX/XX/2021.
On the afternoon of XX/XX/2021, approximately around the hour between XXXX XXXX and XXXX XXXX, I received a call my bank T Bank N.A the Representative on phone indicated that an attempt of {$450.00} was made at a XXXX XXXX in XXXX, Florida. In told the official that was it not me and I am at my job at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was totally assured that I was speaking to representative from the TD Bank because of my caller ID on my mobile unit which identified in coming calls and out going calls. This is what was displayed on phone screen as a incoming call TD Bank ATM XXXX XXXX XXXX XXXX, The representative from the bank told me do not be alarmed that the transaction did go through and deemed suspicious, and my account was shut down, the representative from the bank then said to me that he need to investigate what happen and that he will assist me with setting fraud alert on my account and he will be sending me a text indicating that an attempt for {$100.00} and I should replying y for Y for yes however this is just a test, and my card would not be debited, I did reply with a Y for yes.
At that time the call disconnected and the same representative of the bank called me again and indicated to me that again will send another text and I should reply N for no on this text message, however that text message never came, the representative told me on several occasion that he sent the text messages of which never made it to my phone, he again assured me that every thing would be sorted out and he will be sending me a new card in the a in a few days in the mail.
Again the call was lost and the representative from the TD Bank called me again and said to me that every thing will be taken care off, and that was the last I heard from him, as matter of fact there were three ( 3 ) call from TD Bank ATM to me that evening, the first call was at XXXX XXXX and lasted for 21 minutes 58 seconds, second call was at XXXX XXXX and lasted for 24 minutes and25 seconds, third call was at XXXX and XXXX minutes and XXXX seconds.
The following morning XX/XX/2021 I logged onto my online banking and discovered that there was Twenty Two ( 22 ) transaction on my debit card the day before with a total amount of XXXX XXXX XXXX XXXX XXXX XXXX Dollars and XXXX XXXX cents ( {$1900.00} ) I immediately call the bank at XXXX XXXX on XX/XX/XXXX to inform that that those transaction were not done by me and that I want my account shut down, the representative asked if I wanted to make a claim, I indicated yes to her, she made the claim in above mentioned sum of monies, she made the claim and provided me a Reference number, I continued to monitor my account my account and realized that my account was not closed, and my card was still being used, I called the TD Bank a total of six time that day XX/XX/XXXX, my account shut on my on my sixth call at XXXX XXXX that evening, by the time my account was shut down, there were another Sixteen transaction on my account with a total of XXXX XXXX XXXX XXXX and XXXX XXXX Dollars and XXXX XXXX cent, with a grand total of XXXX XXXX XXXX and XXXX XXXX dollar and XXXX cents.
I since then I have filed a Police report of which I have forwarded to TD Bank coupled with my time sheet stating while these transaction were happening I was at my Job in XXXX NY. With all the transaction happening In Florida. And mostly at XXXX XXXX.
I have made three claims so far and T D Bank has denied all my claims, stating that there were evidence of fraudulent activities.
XXXX XXXX XXXX XXXX XXXX XXXX
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| 02/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX Balance : {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly Delete this wrong account.
XXXX XXXX XXXX Balance : {$500.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately.
XXXX XXXX XXXX Balance : {$790.00} - Balance and payment history is Incorrect please remove immediately.
XXXX XXXX Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.
XXXX XXXX Balance : {$0.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately.
XXXX XXXX Balance : {$2300.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately.
XXXX XXXX XXXX Balance : {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting.
XXXX XXXX Balance : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.
XXXX XXXX XXXX Balance : {$0.00} - This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post.
Chapter XXXX Bankruptcy XXXX - I need for you to send me the petition to verify this account. If you can not do that, then this needs to be removed.
STATES RECOVERY SYSTEM ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this.
XXXX XXXX Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.
XXXX XXXX Balance : {$0.00} - This kind of account is noted as a charged off account. The account balance is truly inaccurate, be sure to remove the item fully. Please also offer documentation to make sure that all the charges and credits to this particular alleged account that caused the high credit number you have displayed on my report. My petition to give these records is seen as a standard information inquiry as per my privileges awarded through the fair credit billing act. If you're unable to deliver this data per my civil rights inquiry, you should automatically eliminate this specific erroneous entry.
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| 09/11/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
Older American |
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Please note that I recently filed the below complaint with the Office of the Comptroller of the Currency and received a letter from them saying that our complaint does not fall under their jurisdiction, and instead we should file with the Consumer Financial Protection Bureau. I hope that you can help.
On XX/XX/XXXX, I spoke with the Fraud Dept of TD Bank and explained that there was a series of fraudulent charges on my debit card and that I had canceled the card that day. I explained that the majority of the charges were made by XXXX and that I had spoken with XXXX XXXX on the phone and that they agreed that someone must have acquired my debit card number and was making fraudulent charges to my account.
They were able to reimburse me for 19 of these charges within 3-5 days, but for the other 59 fraudulent charges, XXXX directed me to seek reimbursement from my bank since it was clearly a case of fraud. ( The 19 that were reimbursed were not fraud ; they were mistakes on the part of XXXX ). For the 59 fraudulent charges, the XXXX rep insisted that I need to contest these charges directly with my bank since the fraud was committed on a TD Bank Checking account bank card.
For the past three months I have been trying to do this and have had very little success. TD Bank initially gave me a provisional credit in the amount of {$650.00} ( the total of the remaining fraudulent charges ) while they started an investigation. Within two weeks I received two nearly identical letters from the Claims & Disputes Department, each stating a slightly different reason for deciding that they would be reversing the credit of {$650.00} on my account. One said that I had already been reimbursed by XXXX, which is ( as noted above ) decidedly untrue ( only a very small portion of the charges had been reimbursed, and we are seeking the remainder to be reimbursed by the bank ). And the other simply stated that fraud did not occur, which is also completely untrue and was even confirmed to us by XXXX.
Both letters also stated that I have a right to request and obtain the documentation that the bank used to make this determination.
Since then, I have tried on multiple occasions to obtain the above-mentioned documentation or some kind of explanation as to why this was determined not to be fraud, AND to start an appeal process. The fraud department has not been responsive despite my many attempts to reach them both by phone and through my local branch customer support person, XXXX XXXX, who has tried on multiple occasions to get through to the Fraud / Claims & Disputes ( by phone and email ) but has had no response to date. It has now been 3 months since my initial complaint and request for reimbursement, and today, we received another email stating that they would not reimburse me and stated that it should be XXXX that reimburses me for the fraud on my card, not them. Since XXXX made it clear that it was not their responsibility, and that the Banks are responsible for fraudulent charges to their checking accounts, we are left not knowing what course of action to take next.
Last week, myself and my caregiver ( who has been supporting me throughout this process ) reached out to Vermont Legal Aid for help, and the lawyer that is helping me instructed me to report this to your institution. I am XXXX XXXX XXXX, Im on social security and XXXX ( XXXX ) and have extremely limited resources so this act of fraud has been particularly challenging to me. I hope that your organization can help.
Thank you for any help that you can offer.
Sincerely, XXXX XXXX
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| 10/13/2016 |
Yes |
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Web |
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I have a Target credit card issued by TD Bank. I have always paid this and all of my other credit cards in full and on time. I receive my bills by e-delivery, meaning I do not get a paper statement and must sign in to my account to see my balance and transactions. At the beginning of this year, Target was having technical problems with its website. Every time I attempted to log in, I received an error message saying that there was a handshake error. Therefore, I had no idea what, if anything, I owed on my Target credit card. I had contacted Target via email to notify them that I was having problems accessing my account.
I had attempted to reach the site via an XXXX XXXX browser on a desktop, a laptop and a mobile phone ; as well as a chrome browser on a desktop and a safari browser on my XXXX. None of the browsers were able to access the website, all were getting the handshake error.
Each time I called the customer service center, there was an extremely long hold time and I was unable to wait to speak to a customer representative. Since I had automatic payments set up, I was n't concerned about my payment being late.
When I finally did speak to a representative over the phone, I was told that due to a problem with my bank account, my automatic payment was returned and my account was past due. I immediately made a payment over the phone. The total amount that past due on my card was {$16.00}, and TD Bank added a returned payment fee of XXXX plus {$1.00} interest for a total amount paid over-the-phone on XXXX XXXX, 2016 of {$34.00}. I did n't realize that the automatic payment had n't processed until that very day. The representative told me that the website issues were a known problem and they were working on it.
I later discovered that Target had reported my account payment as late to the credit reporting agencies. I immediately wrote a dispute and contacted TD Bank to ask them to correct the report because I had no way to view my statement or pay my bill since online access was unavailable. They suggested that I could have paid in store, but 1 ) I did not know in store payments were possible since I had always paid my bill online ; 2 ) I did not know that my automatic payment had n't processed ; and 3 ) I did n't know the amount due on my bill since I could not access my statement. They said they would pass my request along.
It has been several months and my credit report still indicates that I paid my Target bill late even though it was due to circumstances that were outside my control. I recently received a letter from TD Bank indicating that they believe the report of a late payment was appropriate. However, the XXXX XXXX XXXX XXXX requires that TD Bank provide a statement listing my charges, the amount due and the date due. Since their website was down for several weeks and I was not able to access the e-statement ( and a paper statement was not sent ) they did not fulfill this requirement.
I am XXXX of the Target customers who was notified that my personal information was accessed in the recent breach of security. So this is another way that Target/TD Bank did not fulfill their commitments to me as a customer. Despite that, they have negatively impacted my credit score for circumstances that were totally within their control to correct by fixing the website access problems. Notably, the website now works, so it was clearly not a problem on my end.
I would like Target to amend their credit report filing to show that my account has always been in good standing. Please contact me a.s.a.p. with any questions.
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| 06/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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TD Bank XXXX XXXX XXXX, ME XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCAL IS NOTICE TO AGENT TD Bank you are furnishing inaccurate and incorrect information to the consumer reporting agencies.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
You and your inaccurate reporting have damaged my livelihood.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.
PROHIBITION : a law or regulation forbidding something As Defined by the IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
By Definition The IRS Clearly states a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate.
15 USC 1681 s-2 Says you TD Bank are a furnisher of information to a consumer reporting agency.
You are PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately.
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter 1.
The above paragraph is taken directly from the IRS 2021 publication.
SEND ME MY FORM 1099-C that you should have sent when you Filled the account as a canceled debt.
My Address is listed below.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 U.S. Code 1681s2 of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
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| 07/21/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2019 i reported my card stolen to my Banking company, TD Bank. I was assured that my card would be shut down and a new one would be sent to me in 3-5 business days. I then noticed Fraudulent activity still being placed onto my account for purchases that were made outside of my state. These purchases were frivolous and could easily be made by handing the card to the merchant or in putting it online because their were a lot of online purchases made as well. On the night of XX/XX/2019 a check was deposited at an ATM in XXXX, NY for {$6300.00} and was AUTOMATICALLY approved at XXXX XXXX Soon after the thief was able to withdraw {$1000.00} of that amount again from my account. When this occurrence happened, I automatically received a text from what I believed was my bank asking FreeMsg : TD Bank Fraud Dept. XXXX Did you attempt {$800.00} at ATN CHECK CASHI with card XXXX? Reply YES or NO. Case XXXX To Opt Out reply STOP. When I woke up and saw this text, I inadvertently texted back and was told that my card will be turned off ... I didnt understand because i closed it just four days ago? Later on in the day I received a call from a third party company TD Bank uses asking me about the transactions, I informed them that I was not in NY and these purchases/deposits were not mine. I was told that a claim has then been filed and I should be hearing back from them in 5-10 business days. on XX/XX/2019 I called my bank because I didnt not hear back from them and upon calling them they told me I have no type of access to discuss anything at all over the phone about my account because my account has been breached and i had a fail of identification so so would need to go into a store to discuss anything else. I have had enough. I went into a store on XX/XX/2019 and was told no claim has been submitted, no report has been made and there were no phone conversations about the incident that happened on my account. The representative at this Bank filed what seems to be the THIRD claim and closed my card. He then was able to give me access to my account over the phone and of course I called everyday since then because I finally needed to get to the bottom of this. Everyday I called they gave me the same run around, that no claim was submitted or that the claim was submitted the day prior to me calling. On XX/XX/2019 I finally received an answer and it was that my claim has been denied due to the thief being able to input my pin one time and it being correct so there for I was ACCUSED of trying to cash a {$6300.00} check, withdrawing {$1000.00} and making purchases left and right in New York. I was poorly mistreated, accused of and ultimately have to pay a debt on my account of {$700.00} because the direct deposit that hit my account on XX/XX/2019 covered for most of my debt. According to the Regulation E act I should have been covered for the simple fact that I reported my card lost/stolen less than two days from the day that I noticed it missing and in this day an age ANYONE has access to ANYTHING if they are smart enough to obtain it as well as shoulder surfing as well as many other heinous acts a thief can do to ones account. I am appalled and I want to take legal matters and shame on to TD Bank for the way that they handled my situation and ultimately accused the victim of committing these fraudulent acts.
The photos that I will be attaching is proof that I was in FL ( where I reside ) at the time the fraud was committed in NY with job clocking in and out as well as bank statements and texts that I received from TD Bank.
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| 04/13/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
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OnXX/XX/XXXX, I called the XXXX Customer Service around XXXX telling them to approve the transaction that I would be going to make on that same day. The amount would be {$2600.00} pounds to XXXX XXXX XXXX in XXXX, XXXX. I know XXXX Card will not be easy to approve the transaction if the amount is too great out of the security reason, I total understand and respect that. So I made a payment of US {$3700.00} beforehand onXX/XX/XXXX at XXXX store XXXX at XXXX, hoping they would let the transaction get through.
Still, XXXX card won't approve the transaction even though I overpaid them. So I called the XXXX Card ( XX/XX/XXXX ) and asked them to let this transaction get through. The representative, a lady, said she couldn't approve it unless I faxed the photocopies of my XXXX card ( front and back ) and driving license ( front and back ) with my signature on it in order to verify my identification. On the same day, I faxed these information to them.
The next morning,XX/XX/XXXX, I called them again to approve my transaction. A representative, a guy, told me the photocopies were too dark they couldn't read the information so he couldn't approve the transaction. He said I needed to redo it again and, this time, he also needed photocopies of my Social Security Card ( front and back ) and my Utility Bill with my correspondence address. I told him I felt EXTREMELY UNCOMFORTABLE TO FAX THESE PRIVATE INFORMATION to them ( sorry, I was very angry at them, requiring too much private information, of course, my tough was not very nice because they were not very helpful and making too much trouble to their customer, but their attitude was not good as well ). He said there was nothing he could do about it unless I fax these information to them. Then I told him I wanted to cancel my XXXX Card and refund my balance to me. He said he couldn't do it as well unless I FAX THESE PRIVATE INFORMATION to them. Right now, they are holding my XXXX Card, that means I can't use/cancel my XXXX.
The reason I file complaints are : 1. I feel very uncomfortable to fax these PRIVATE INFORMATION TO THEM, I DON'T FEEL SAFE AND I DON'T WANT TO.
2. I want to cancel my XXXX Card and get my balance ( US {$3400.00} ) back.
Under the law of FDIC, the creditor has to have given the balance to their consumers if they don't use their credit card for months, it is illegal to hold my money, right? But XXXX card is holding my card and won't let me use it, what can I do?
Quote Section 226.11Treatment of Credit Balances 1. Timing of refund. The creditor may also fulfill its obligations under 226.11 by : Refunding any credit balance to the consumer immediately.
Refunding any credit balance prior to receiving a written request ( under 226.11 ( b ) ) from the consumer.
Making a good faith effort to refund any credit balance before six months have passed. If that attempt is unsuccessful, the creditor need not try again to refund the credit balance at the end of the six-month period.
2. Amount of refund. The phrase " any part of the credit balance remaining in the account '' in 226.11 ( b ) and ( c ) means the amount of the credit balance at the time the creditor is required to make the refund. The creditor may take into consideration intervening purchases or other debits to the consumer 's account ( including those that have not yet been reflected on a periodic statement ) that decrease or eliminate the credit balance.
Unquote Please help me to settle this issue or what else I can do. Please advice. You could reach me via email address : XXXX XXXX
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| 01/17/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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OnXX/XX/XXXXI received credit approval from XXXX to purchase a XXXX device.
Order # XXXX XX/XX/XXXX- XXXX shipped order XX/XX/XXXX - I received order XX/XX/XXXX - requested to return item. It was approved and was told it must be returned by XX/XX/XXXXTheir return policy is that you may return or exchange merchandise within 30 days of purchase including 15 days to notify them and receive approval and 15 days to ship the product back to them. They do not post in their FAQs how long it will take to receive your refund though.XX/XX/XXXX- sent item back using XXXX XXXX XXXX tracking label Tracking label # XXXX XX/XX/XXXX- XXXX XXXX delivers item to XXXX at XXXX XXXX. signed for by XXXX XXXX XX/XX/XXXX Contacted XXXX via their chat feature to inquire about my refund. I was advised their policy is generally 30 days for items financed.
XX/XX/XXXX Contacted XXXX through my online account regarding the balance and pending refund. I was advised that TD Bank issued and that I should contact them. I opted to wait and let the 30 days from the date of their receipt to pass before escalating.XX/XX/XXXXContacted XXXX via their chat feature to inquire about refund as it was not reflected in my account. It was confirmed that refund would be credited to my account on XX/XX/XXXX.XX/XX/XXXX Submitted question to TD Bank. They only apparently respond through their system and I was not aware of that. When I logged back in on the XXXX it said to call TD bank.
XX/XX/XXXX submitted compliant through my online financing account. It lists XXXX XXXX but at bottom it shows that site is operated by TD Bank. Received response that I had to call them.
Attempted to call. Their system requires that you entire the full account number which they say can be found on the top of your statement. I had not received a statement yet.XX/XX/XXXX I had to make a payment on the finance account ( first pmt due ) to avoid late charges.
XX/XX/XXXX Tried to read a representative at TD bank. I do not have my full account number yet so I was not able to get past the automated system to a person.XX/XX/XXXX Contacted XXXX via their chat feature to inquire about refund as it still was not showing in my account. Ultimately I was advised that they were escalating it to their Concern Team. I asked how long it should take to resolve. I was told there is no particular time frame.
XX/XX/XXXXSubmitted dispute to TD Bank online with details about what had happened. ( as of XX/XX/XXXX no response ) XX/XX/XXXX Finally reached a rep at TD Bank who was able to locate my account. XXXX XXXX Explained the issue. She said that they are sending out dispute forms. I advised her that I had already filed a dispute in their online system but no one responded. It will take up to 10 days to get the forms which I then need to complete and return. By the time this is resolved I will need to make another payment.
NOTE - After I got off the phone I logged into my XXXX account and my disputed request was listed as " Action Complete ''. The correspondence said they are researching and they will contact me by mail but no timeframe.
XX/XX/XXXXTried to reach XXXX through their Chat feature. It has changed and is now computer automated and they do not respond to requests about return questions any longer.
Attached you will find - Proof of XXXX approved return Proof of XXXX XXXX delivery to XXXX XX/XX/XXXX conversation log with XXXX XX/XX/XXXXconversation log with XXXXXX/XX/XXXXconversation log with XXXX XX/XX/XXXX proof of dispute filed with TD Bank ( with their response XX/XX/XXXX )
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| 06/17/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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|
Web |
Older American |
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Today 's Date : Friday, XX/XX/XXXX Dear Sir or Madam : I had originally submitted a complaint to the CFPB on XX/XX/XXXX against TD Bank regarding a matter involving fraud by deception involving my personal checking account and debit card. I continued to escalate the matter with TD Bank into early XXXX. Finally, earlier this year in XXXX I was advised to submit a Chairman 's Complaint. I have attached all relevant documents below.
By XX/XX/XXXX I provided all documents the bank requested. I followed up regularly with a representative at an XXXX number at TD Bank. However, when they didn't acknowledge the documents had been received I contacted a VP, Store Manager at the TD Bank Branch I had done business with for several years, XXXX XXXX XXXX who oversees the XXXX, XXXX XXXX XXXX.
On XX/XX/XXXX I met for 3 hours in the conference room of the TD Bank Branch in XXXX, XXXX XXXX with XXXX XXXX. I explained the history of my matter and he reviewed all my documents. He had a look of shock on his face and said, " XXXX this isn't you. This is fraud!!! '' I said I know XXXX XXXX and it all occurred while I had a yet to be diagnosed XXXX XXXX which I'm told impacted my decision making skills. He then asked me to have my XXXX provide a letter, which I ultimately did which he submitted to be added to my Chairman 's Complaint and it's attached here.
I further explained I had submitted a Chairman 's Complaint to escalate my matter 3 times yet I kept being told by someone at TD Bank they hadn't received it. Yet the XXXX, XXXX XXXX Post MasteXXXX where I live that that the Certified Mail I sent Return Receipt Requested was indeed signed by an employee of TD Bank. That is attached here as well. I simply couldn't imagine why members of TD Bank appeared to be playing games or worst yet lying to me.
XXXX XXXX then took all of my documents and scanned them by email to his Supervisor to make sure they got to the Chairman 's office. He told me he provided a character assessment of me and argued on my behalf when he emailed all my documents to a higher authority.
Yet, here it is Friday, XX/XX/XXXX after repeatedly following up with XXXX XXXX by voicemail, text messages ( those are also provided here in my attachments ) calling the bank branch and sending emails he has gone silent along with no one acknowledging my Chairman 's Complaint nor responding to me.
Yesterday, Thursday, XX/XX/XXXX I reached out to yet another TD Bank Branch Manager I've known over the years, XXXX XXXX XXXX, VP, Store Manager, TD Bank Branch, XXXX, XXXX I simply explained without sharing all the details of my matter and asked that he send an internal email to XXXX XXXX letting him know I need for him to call me on my cell phone. He said he would do that for me.
It is now XXXX on Friday, XX/XX/XXXX and XXXX XXXX has not called me. I can only surmise that when the Senior Bank representatives saw the letter from my XXXX they realized the letter provides compelling reasons why all my money, including the additional $ XXXX {$10000.00} XXXX XXXX discovered during our 3 hour long meeting on a bank statement I had not analyzed before submitting my initial complaint to TD Bank late last year.
I'm having a difficult time understanding how a XXXX bank operating in the United States of America has failed to provide a resolution to a matter that seems rather obvious now that all the facts and supporting documentation has been provided.
I look forward to all my money being returned to me as soon as possible.
Respectfully, XXXX XXXX XXXX
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| 09/20/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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Web |
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Ive had a business account with TD bank since XXXX. XX/XX/XXXX I filled an application out for a business loan online and was denied. Applied again for another business loan XX/XX/XXXX and was denied again. 12 CFR 1002 ( regulation B ) states the following. 12 CFR 1002 Regulation B protects applicants such myself from discrimination in ANY aspect of a credit transaction. When I applied for business credit in good faith twice, twice he was denied, he was denied in XXXX and denied most recently in XXXX Business credit is considered a form of a credit transaction. According to 12 CFR 1002.7, a creditor shall not refuse to grant an individual/business account/to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis. Denying My business credit for the reason ( s ) highlighted in their denial letter are a clear violation of these government rights and those reasons are listed as follows, per your denial letter...
Your credit history includes garnishment, attachment, foreclosure, repossession, collection action or judgement.
Unsatisfactory previous or current bank relationship.
This would fall under what according to our government and the CFPB.gov website would consider a prohibited basis, as I myself the consumer and applicant in good faith is indeed exercising his right under the Consumer Credit Protection Act, in good faith yet credit was denied and when Td bank was notified about these violations, Td bank doubled down on its illegal actions and violations of the Consumer Credit Protection Act with their coercive banking policies. Prohibited basis - Prohibited basis means race, color, religion, national origin, sex, marital status, or age ( provided that the applicant has the capacity to enter into a binding contract ) ; the fact that all or part of the applicant 's income derives from any public assistance program : or the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act or any state law upon which an exemption has been granted by the Bureau.
Im trying to continue serving the local community and continue to make a difference in our local community but on a much bigger scale by creating jobs and giving back to the community with this business loan so that I can expand, but Td bank has yet to even sit down and even look at my business deck, plans or goals for My company. If this is not discrimination then its a violation of my rights and no matter how we decide to look at it, this is wrong and illegal. In my previous communications to them I clearly stated my deep concern for identity theft, and it was clearly ignored. I am clearly aware of my rights, of who I am and of what my role is in this entire situation. Td bank used my social security number without my authorization, this loan was requested for a business entity which has its own ein number but instead the social security number that belongs to, me my name and social security number was utilized meaning a credit transaction for ( Business credit ) occurred on their end, which again raises suspicion of identity theft because my social security number was used yet I received no benefit. Im fully aware that once I sign that application, the loan is indeed ensured on the backend but yet they deny me my right to those funds based on bogus and illegal accusations and the bank then keeps those funds instead of forwarding them to my business account. That is identity theft, and we are prepared to take all the necessary steps to ensure that justice is served.
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| 08/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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In XXXX i started a vehicle loan agreement with T.D. Auto finance. I set up auto pay for my bill that was due on XX/XX/2020. On XX/XX/2020 the payment never came out of my checking account so I called td to let them know and they told me that the payment will come out of my account by the end of the day and not to worry about it. The following day the XXXX of XXXX the money had still not came out of my account so i called td back again and they said they can see the payment incoming from my bank and that it would come out of my account on XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX the money still had not came out of my account. I again for now the third time and was again told by td that they could see the payment coming from my bank and it would be pulled from account by the end of the day. On XXXX XX/XX/XXXX the money still had not come from my account so i contacted my bank and my bank let me know that no money had ever been sent to td auto at all because there was an error with the autopay. I called td auto again for the XXXX time to let them know. After waiting on hold for over a half hour The guy who answered immediately fell asleep on the phone. I was worried because he was slurring his words and not talking clearly. After several minutes of me yelling into the phone he finally stopped snoring and acted like he had computer issues. I then told him he was lying because i heard him snoring the whole time and was the one who woke him up. He then said " i have XXXX XXXX '' I asked to talk to his manager and he hung up on me. So i then called TD back for a 5th time to let them know what had happened and to speak to a manager. The rep was extremely rude she looked over my account and had me make a new payment online since the first one never went through. She let me know that the payment was going to principle and she was going to create a " workbasket '' which tells billing to apply the payment from principle and switch it to my current payment due so i would have no late payment since at this point ive already tried to pay my bill 5 separate occasions and td keeps telling me my account is payed. She also said she was waiving the XXXX $ payment cancellation fee for the inconvenience. She also said she was writing in my notes i want a manager to call me and that id get a call within 48 hours from a manager. Which i still have not received.
The next day i started receiving calls from collections asking me when i was going to pay my bill. I had to spend 15 minutes on the phone for now the 6th time explaining the situation. I asked to be transferred to a manager immediately and the rep obliged and transferred me to her manager. Upon talking to the manager i explained everything previous that i have explained here in this complaint and she apologized and said the rep i had dealt with last time never made a workbasket, nor had she applied my payment correctly nor had she asked a manager to contact me. The " manager '' then told me that she was personally taking care of this for me and that she isnt like the other workers she is a manager and she will be taking care of this 100 %. I said ok i hope that this fixed my issues.
I have received a call from collections every day since. I have received a call from collections every day while im at work and i have to explain to the rep every day what has happened. It has been almost a full month of my getting harassed daily because they still have not corrected my account. I am now looking to file a grievance with any entity that will listen to me.
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| 12/31/2015 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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On several occasions in the past year TD Bank has erroneously deducted overdraft fees from my checking account. Ive disputed this with TD Bank and have been refunded a third of these fees. Ive suffered hardship and undue stress during these times. Last XXXX XXXX was the beginning of this nightmare which ruined XXXX for my XXXX children. On XXXX XXXX XXXX TD Bank allowed XXXX transactions from XXXX to be debited from my checking account which left me in the negative over {$700.00}! These transactions were not authorized to be debited and yet TD Bank still kept putting other transactions through while i disputed the unauthorized XXXX transactions. ( bill pay, and authorized transactions ) while my account was negative over {$700.00} until i had over {$220.00} in fees! I am XXXX single mother of XXXX on limited income from social Security XXXX and state pension. I did not get reimbursed until XXXX XXXX XXXX. Through this dispute TD Bank XXXX XXXX XXXX employees knew exactly what was done to the point that each side was directing as to what to say to the other - it seemed too shady.
Since then TD CONTINUES to charge me fees illegally!!!! I could not figure out how i would make a withdrawal on Thursday and get a reciept showing the new balance that was not negative! Then about a week later recieve notice of that exact withdrawl stating i was charged {$35.00} for insufficient funds! I cash my TD bank account check right there at the branch yet somehow they post these transactions up to four days later in a sequence with four days worth of transactions in an order that shows multiple overdrafts and then charged multiple fees! When i dispute the fees and explain the checks were cashied at the branch which proves i had the funds available! TD Bank will then admit and aplogize for the error BUT WILL NOT REIMBURSE MY FEES CAUSED BY THIER ERROR BECAUSE THEY STATE THAT I HAVE ALREADY HAD TOO MANY FEES REFUNDED!!!! I remind them the fees already reimbursed were BANK ERROR! THIS IS A SCAM! THEY DO THIS TO XXXX, ELDERLY PEOPLE WHO GET THEIR GOVERNMENT CHECKS AUTOMATICALLY DEPOSITED! They know they will get the fees paid due to direct deposit & they also know that the elderly will not be able to figure out their confusing illegal practice of stealing money. Ive been without food for my kids for over a week on multiple occasions due to TD Banks predatory ways! They will send me on multiple phone calls & forms hoping i give up- then will deny my refund without a legit reason! They even direct me what to say to merchants to threaten the merchant such as : threaten merchant fraud to get the merchant to pay for TDs illegal practices. TD has a practice of posting transactions between XXXX and XXXX! Then will post the trsnsaction date ss the prior day! ThiThis to their advantage and very confusing to make a witgdrawal at XXXX because you check the balance in account first anf get reciept showing the withdrawal and new balance ( which of course has funds ) to wake up at XXXX and see XXXX fees! Totalling {$140.00} due to that withdrawl being posted at XXXX with multiple other transactions that apoarently TD saves to post on a date at XXXX on the XXXX but states it wad posted on the XXXX! The check i got directly deposited on the XXXX after XXXX does not read as posted until the XXXX!!!! I want my {$460.00} dispute on XXXX XXXX credited to my account! I gave all information requested to the point the merchant advised me to dispute the transaction with Td so they could reimburse me! I want all fees credited.
|
| 08/24/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I have had a TD Cash Card for nearly 5 years now. On XX/XX/2021, I noticed that for the first time, two fraudulent charges had appeared on my account. On XX/XX/XXXX, and again on XX/XX/XXXX, someone used my card to purchase over {$1000.00} dollars of XXXX XXXX XXXX from a company called XXXX. As an unmarried man with no children and no history of purchasing other baby or childcare related products, this was obviously fraud and I called to report the charges right away. On XX/XX/XXXX, I received a letter in the mail indicating that the dispute had not been decided in my favor. Upon calling for more information, I discovered that the investigator said the IP address the order originated from matched prior purchases, and that the credit card security code matched. There appears to be no other information gathered by the investigator beyond this superficial information. No one could tell me where these fraudulently purchased products were shipped, and no one could explain how I purchased these products in New York, when I was actually in New Hampshire at the time, as my other purchases show. There was a complete lack of information gathering on the part of the investigative team.
Since then, I repeatedly found that this third party company, XXXX XXXX, refuses to reopen my investigation. After many calls with representatives at the company explaining my position, I was forced to reach out to the merchant myself to acquire contact information for their fraudulent purchase department, because XXXX XXXX refused to do so. I've provided this information in at least 4 different phone calls, and to two different supervisors, and yet that company has still never been contacted.
I have called over 20 times between XX/XX/XXXX and today, and recently discoveredthat half of my records have been erroneously documented in my old credit card account ( a new card was provided at the time of the initial fraud claim ), which prevented the investigator from seeing them. Thus, the company was denying my claim on partial information from an already poorly investigated case.
I have spoken to a supervisor on at least 3 different occasions, each agreeing that the charges were highly suspicious and promising to speak directly to an investigator about my case, each time with no change to the status. I even attempted to set up scheduled call backs with updates on my case, and I have never once been called by this company. In each of these more than 20 phone calls, I have been the one to initiate contact. No one has ever proactively reached out to me to communicate updates or changes to my cases status. And to be clear, by status, I dont mean an open vs closed case. Total systems refuses to re-open the case at all. They made their decision once on XX/XX/XXXX, and never once opened my case again.
In sum, I am being accused of lying and attempting to defraud TD bank of over XXXX dollars because an investigator at XXXX XXXX refuses to do their job and fairly investigate my claim of fraudulent activity on my account. I have continued to deal with the company in good faith for over 3 months now, and am clearly being continually ignored and dismissed. The core common sense argument of this case, that I am an unmarried man with no children who doesn't make thousands of dollars of purchases in XXXX XXXX XXXX, has been replaced with some policy about CVC codes. This company simply exists to protect TD bank and retain them as much money as possible, and I have become a victim of their bureaucratic nightmare.
|
| 10/19/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Application denied
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|
Web |
Servicemember |
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Application ID : XXXX Dear TD Bank Underwriting I would like to ask you to reconsider my application for store credit card in the amount of {$5100.00}. I recently applied and I was rather surprised to receive a denial regarding my application. Due to the numerous positive reviews shared by consumers with respect to this card, I would like to share some more information with you in hopes of obtaining an approval.
I just turned XXXX years old and my significant other wants to propose to me. This will be my first time being engaged and Im truly happy. Im honored someone wants me to need their long time, life long partner. This account is for him to purchase my engagement ring and wedding band then pay the debt back within 18 months. Our wedding date is XX/XX/2022 and will be on destination in XXXX, XXXX, which is where we plan to honeymoon.
In your letter, you listed that the reasons for the denial were : - Presence of a bankruptcy - Time since most recent bankruptcy is too short - Insufficient number of open real estate loans recently reported- Too many recent inquiries However, I would like to shed some more light and update some of these issues. Firstly, the reason I have a bankruptcy, which by the way is almost 5 years old, is due to me almost losing my battle with XXXX by attempting to XXXX XXXX. I jumped out of a moving car, flatlined on the scene, was resuscitated, and was in the hospital for one week. At that time, I had just started a new job with XXXX, and the medical insurance had not kicked in. The hospital Bill was $ XXXX and immediately put me in debt. Filing for bankruptcy was the only option to remedy the issue.
In the last 5 years since filing for bankruptcy, I have rebuilt my credit and boasts a 100 % payment history on all 15 positive accounts, which is how it was pre-suicide attempt. Additionally, I do not have any real estate loans because prior to this year, I never wanted to be a homeowner. However, i have received my mortgage XXXX, and my first pre-approval of $ XXXX. So, Im truly excited about becoming a homeowner next year.
I am also highly interested in purchasing multi family properties for the sole purpose of housing homeless families who were affected by XXXX. My soon to be husband, who is a recruiter for XXXX, and I have personally set out to help change the lives of others by helping them gain employment so they can finally get their own place to live.
additionally, your letter stated the total available credit on recently reported open bankcard accounts is too low. This doesnt make any sense when all of my cards and accounts are under 30 % utilization. For example, I have a $ XXXX credit limit on my XXXX XXXX XXXX XXXX cash rewards is only $ XXXX, which is 15 %. My XXXX XXXX card business card is $ XXXX with {$0.00} balance, my personal XXXX XXXX XXXX card military is {$3500.00} but the balance is {$0.00}.
I sincerely believe that I deserve a chance with this card. Not only did I rebuild my credit within 6 months, but I currently gross {$170000.00} annually, and I have a pretty robust stock portfolio weighing in at {$39000.00}. I can provide documentation or tax returns. I also have accounts with XXXX XXXX, XXXX, and a business about with you all at TD Bank.
If you are willing to give me a chance, you can even start me with a low credit line of {$5500.00} so I can prove to you my reliability and loyalty to this bank.
I thank you for your time and reconsideration and I hope to hear back from you soon.
Best, XXXX XXXX, XXXX
|
| 07/21/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
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In approximately XX/XX/XXXX, TD Bank solicited our credit card merchant processing business with false promises. Since then, TD Bank has been over-charging our checking account by fees that are significantly higher than what was promised and agreed, and TD Bank - after being repeatedly advised of the discrepancies since early XXXX - refused to make necessary corrections. We are a small business and have to work hard for every dollar we make. When a large bank like TD Bank promises rates and coerces us to use their services in return, we need these promises to be met.
In around XXXX of this year, I was referred to Mrs. XXXX ( TD Bank ) by Mr. XXXX ( TD Bank ), after sending Mr. XXXX relevant merchant account statements from XXXX, generated by a different merchant processor. Mr. XXXX referred me to Mrs. XXXX, stating that I " would like what XXXX has to say. '' During subsequent phone conversations, Mrs. XXXX stated to me that she had analyzed our account statements, and stated that we were " charged way too much '' by our previous processor. I stated to Mrs. XXXX that this made sense to me, since TD Bank is a bigger bank than our previous processor. I mentioned to Mrs. XXXX that in approximately XXXX, I had spoken with a representative of TD Bank merchant solutions, and I explained to her that at the time the TD Bank offer was not very attractive. I explained that in XX/XX/XXXX, we were offered rates that were only marginally lower than what we had at our then-current processor. I explained that for " a few hundred dollars '' in savings in XXXX, I did not think making a switch would be worthwhile at that time. Mrs. XXXX agreed that this was the right decision in XXXX, and then said that " times are different '' now.
Mrs. XXXX went on to explain that we would be part of a three-tier program, and that - in reviewing the XXXX transaction statements - most of our customers would fall into the 1.65 % category. With the exception of some monthly fees, we should expect our fees to be " close to that number. '' At most, we would be looking at a 2 % fee for our credit transactions processed through TD Bank.
Mrs. XXXX estimated that our fees would be " almost cut in half '' and that XXXX NJ XXXX would benefit from several thousands of dollars in savings each month. I explained to Mrs. XXXX that we had just begun our busy season, and that making a switch of merchant processors would be time consuming. However, given the significant savings promised by Mrs. XXXX, it would be worth it.
As a direct result of this conversation, and in reliance on the statements Mrs. XXXX made, we changed processors approximately at the beginning of XX/XX/XXXX. At the beginning of XXXX, after the first fee withdrawal from our checking account, I immediately noticed a discrepancy between what she had promised, and what we were being charged. I immediately reached out to Mrs. XXXX via email and voicemail to discuss the issue, pointing out the significant discrepancies between her offer and the actual fees. I also notified Mr. XXXX. Despite several follow up voicemails and emails, I did not get any response until the beginning of XXXX.
We have been overcharged since beginning to work with TD Bank by a total of {$2800.00} as of the end of XX/XX/XXXX.
I am looking for help in resolving this issue with TD Bank. I can provide contemporaneous phone call notes, email correspondence or other documentation, if needed. I feel like we are being defrauded by our bank and hope that the CFPB can help.
Thank you
|
| 08/18/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I filed a dispute after not receving a trial size of XXXX Capsules with TD Bank and no reply from company. Well, when I looked for the date of charge, I was astounded to see 2 charges. I was supposed to be charged {$4.00} for the sample capsules, I was instead charged {$9.00} on XX/XX/XXXX and I was floored to see a {$79.00} charge on XX/XX/XXXX. I emailed the company informing them I did not receive the trial of XXXX capsules and since I received no response, filed a dispute with my bank. Well the bank TD gave a provisional credit of {$79.00} and then reversed it. I contacted TD prior to receiving an explanation of reversal credit by mail and the bank forwards me a copy saying that the organization provided a confirmation of delivery from USPS which is laughable because someone several days prior brought me a water bill that was placed in their mailbox so to say the mail person is reliable, that is a no no. I indicated I never received anything from the company and do not understand why they are indicating the post office delivered as if they saw them put it in my mailbox. My complex has numerous mailboxes in the same area and I do not know if the mail carrier put in someone elses box, but there was certainly nothing received from this company in my mailbox. So, I contacted XXXX XXXX XXXX and they indicated to me that I disputed with my bank and the bank returned my money, when I was trying to explain they reversed because TD indicated your company submitted a copy of tracking from the post office indicating it was delivered in my mailbox when they mistakes all the time and had to make one in this situation as I never received. The company was extremely rude and nasty and I noticed that there was an English barrior, they seem to barely comprehend. Then I contacted TD again and explained and was told I would have to submit the dispute again, then when I contacted TD again for the status, a customer rep indicates they denied me again because the company is now saying I did not cancel. You can not return something you never received and according to the company and their guidelines, if you have not cancelled by 30 days they charge but they charged me prior to 30 days, they charged me on XX/XX/XXXX, then on XX/XX/XXXX and that is not 30 days. I never ordered this oil that they sent a copy ( picture ) of their product ( ad ) to TD Bank and now they are indicating that I did not cancel is why they are not refunding my money. Then they said if I contacted them first instead of TD informing that I didn't receive that they would have refunded my money and I informed them of the contact. I am sure they can go back and listen to that conversation. I am baffled as to why TD or this organization is not comprehending that I never received anything so their is not anything to cancel. This company has stolen my money, I never received a XXXX trial or anything, Company is showing that the mail company is saying USPS is showing tracking saying they delivered when a delivery confirmation is not a picture showing that anything was actually put in my mail. They can not say the mail carrier definitely placed anything in my box, because it was not and saying the mail carrier delivered/not cancelled is a way to fraudulently keep my money and TD going along with this pathetic excuse is unbelievable to me. If I would have received the items on the copy of the ad that was sent to TD bank, I would have gladly returned, that is not what I ordered so I would not have had a reason to keep it.
|
| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Problem with personal statement of dispute
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Web |
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In lieu of my account being completely closed and unable to be opened back up, I am now writing this complaint to protect myself so that this should never happen to anyone again!! My td account has recently been closed due to someone sending me fraudulent checks!! I deposited them because they told me they had a company and that they wanted my painting done this happened on XXXX. After that we started a conversation threw texting and he said he would pay me for using my picture to be painted! I was told they were his company checks that I would be paid with and that a certain amount of money would have to be sent to the person painting my picture for painting supplies and that I would get paid a certain amount for my portrait being painted and him using my photo. I thought this would be the best way to protect myself because after the checks that I put into my bank account bounced I noticed that this was a terrible idea and because its such a bad recession at the moment thats when I knew I had been set up with fraudulent checks!! My TD Account was closed and I called The fraud department and they said because of this incident that my account is closed and just to be careful with any and all transactions and or delegations that anyone were to come to me with in the future! The email account that was used to text me is ( XXXX ) and the email that he used to provide me with the checks is ( XXXX ). The last two bits of information that I have is the email address that he initially wanted me To send the money once it cleared to this XXXX account which the address that they provided me with is ( XXXX ) the name being XXXX XXXX which when I originally proceeded to send the money it did not go threw so I had to send the money with XXXXXXXX XXXX cards my!! Anyhow I wanted to give the information to Td but since my account is closed they wouldnt allow me!! I am deeply bothered by this and I dont want any problems the checks were sent to me by mail and I never knew that you werent able to take a picture of a check through your email and add it into your account, but now Ive learned my lesson and it will never happen again! He even went as far as sending me five more checks but Im still have them on my email and I never did deposit them. I definitely want to make sure that this doesnt happen to anyone else because its insane that it happens to me and I dont want anyone to go threw the stress and anxiety that Ive been feeling now for four days but finally Ive resolved XXXX issue and as far as XXXX XXXX XXXX dont think its fair that they never listened to what I had to say and XXXX completely dissatisfied XXXX they could have taken my report and atleast put it in their notes! Another thing I forgot to provide you with is the XXXX account that contacted me from the beginning the XXXX account page is XXXX! After the checks bounced my td acct has now been closed and Im trying to protect myself any way possible!! This is the information that I have and I just want to be clear I never signed any of the checks nor did I know they were fraud at the time! Thank u so much I appreciate what you are doing for people and for My protection I thought it would be best to Inform you that the people who do fraudulent things dont care what happens to their victims and I dont want anything bad to be on my record when all I was trying to do is inform TD BANK of what is going on and how my account has been closed in the first place!! If you need any information let me know!
Sincerely, XXXX XXXX
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| 07/21/2021 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2021 I checked my TD Bank accounts on my app. There was a charge for {$440.00} from the joint account that I had opened with a former partner ( XXXX XXXX ). His account had been overdrawn for the same amount due to negligence on paying back the overdraw fees on his part over the course of 4.5 months. I was able to access the history of transfers and deposits to the joint account from my phone, which was connected to all of my utility accounts for the house we lived in together. It clearly states that his personal account had not contributed or taken from this joint account for the same amount of time he started accruing this massive overdraw amount. I made sure to check that before immediately calling TD Bank to try getting it resolved.
I had received zero notification that this was going go happen. I would have moved my money and changed the account that my utilities come out of to my personal account, but I was never given the chance.
I spent that morning on the phone and at my local branch, where I was treated with coldness and a not sure what we can do attitude, even after explaining in detail everything that had happened and why, and that it was crystal clear that the money that had been taken out to cover his debt had been put into the joint account by me and me alone. I was told to get back on the phone with upper management, and the clerk at the branch provided me with a number to call.
At this point, I was so agitated and discouraged that I was in hysterics, so much so that I had an anxiety attack. When I had calmed down, I called the upper management number they had provided for me and I was told once again that there was nothing that could be done.
In addition, the next time I went to my local branch ( the same one I visited on XX/XX/XXXX ), the clerk who spoke down to me, chastised me for being upset, and brushed me off with a phone number came to the window just to say hi while keeping intense eye contact with me. She was not the clerk helping me make that days deposit and it was very uncomfortable, extremely unprofessional and humiliating, especially when she was the one I had explained this trying situation to less than a week prior.
Id like to reiterate that the date this happened was XX/XX/2021. This was rent money that TD Bank stole from me to cover a debt that was someone elses responsibility following a global pandemic that unemployed literally millions of people. TD Bank used what were clearly my funds to cover someone elses debt to them, treated me poorly when I was doing all the work to get it resolved, and decided to further mock me by coming to see me deposit a measly {$20.00} into my account because that following week I was scrambling to pay my rent following this hit.
I have never done anything like submit a complaint before because I believe in personal responsibility, but that is also why I am doing this. My ex had a personal responsibility to pay back his debt and TD Bank had a personal responsibility to do their due diligence and see plain as day with the records I also had access to that it wasnt his money they were taking - it was mine. I feel I am being held financially responsible for not only a negligent persons actions, but a major bank that I have entrusted with all the money I have. {$450.00} might not be a lot to some people, but that is a huge blow to me with the income I earn to merely survive.
Thank you for considering my complaint and hearing me out. I hope to hear from you soon.
XXXX XXXX
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| 12/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This is my second complaint to the CFPB about the same issue. First complaint made in XXXX!
For the better part of 7 years and two mortgage loans, TD BANK has been my loan service provider.
I have a mortgage that has a " no-prepayment penalty clause ''. However TD Bank after several complaints over multiple years, still does not have a process by which their customers can make extra payments to principal using their mortgage payment website.
https : //tdbank.billeriq.com/ebpp/TDUSPAYMENTS/Login/Index When a client makes monthly mortgage payment and wants to pay extra principal there is no mechanism on TD 's website that allows for this. Customer 's extra principal payments get sent to Miscellaneous Receipt for sometimes weeks or months, before the customer must call and spend multiple hours on the phone to have it corrected. The current reversal period that TD Bank applies to miscellaneous payment resolution is 3-5 business days. TD Bank collects multiple extra days of interest on the mortgage loan even though loan customer has paid down principal balance. TD 's remediation does not adequately provide proof via an amortization schedule that they have corrected the interest error. Recently a TD Bank NA Rep in the mortgage department told me while they have no field for making an additional principal payment on their website yet, a customer can open a checking and savings account at any branch, which can then send automated additional principal payments each month without sitting in a miscellaneous receipt status.
This smacks in the face of XXXX XXXX banking regulations and is not an adequate solution as I do not do any other business with TD bank. When XXXX was mentioned to the representative on the line, she abruptly ended the conversation and passed me to customer complaints. She offered that my complaint is a common complaint the bank has yet to address.
If TD BANK NA ( unit of a XXXX XXXX ) is allowed to service US Mortgages, specifically " no pre-payment penalty '' mortgages, they should be required by law to operate a fully functioning website that accommodates the payment of additional principal, and not force mortgage loan customers into setting up deposit accounts at their institution. ( XXXX regulations ) This would immediately remedy multiple days or months of accruing interest after a customer has made a payment to reduce their outstanding principal. I am seeking a simple resolution which is demanding that TD Bank finally add an additional window to their payments page ( link attached ) which identifies and directs extra principal payments to a client 's loan account and not a miscellaneous receipt account that collects interest at TD Bank NA. If TD Bank is allowed to service mortgages in the US, they should also be required to give clients access to their mortgage amortization schedule online, which offers full transparency on the interest charge reversals they make in accounts that face this issue. This loan is only 14 months old and I already have interest discrepancies with outstanding balances. Several other US mortgage service providers provide customers with very simple payment websites that allow the definition of additional principal payments during a transaction. These US servicers also provide a very simple amortization table for each client. TD BANK has heard this complaint from me since XXXX, and yet all they do is try to tie a customer to more banking products. Where is the oversight of this XXXX XXXX operating in the US?
|
| 03/02/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
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|
Web |
Servicemember |
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Hi, TD BANK FALSIFIED DOCUMENTS AND BANKING TRANSACTIONS IN ORDER TO PROFIT WHICH IS AGAINST THE LAW UNDER THE FCC LAWS. TD BANK CHARGED ME {$150.00} NSF FEES FOR A MISLEADING BANKING TRASACTION THAT TD BANK SAYS WAS {$250.00}, BUT THE TRANSACTION WAS ACTUALLY {$140.00}, THEREFORE TD BANK LIED IN ORDER TO PROFIT AND THEY MANIPULATED THEIR BANKING SYSTEM IN ORDER TO PROFIT BIG MONEY FROM LOW INCOME FOLKS LIKE ME FOR THE PAST YEAR. NOT ONLY DID THEY MANIPULATE THEIR BANKING SYSTEM BUT THEY ALSO COMINGLED THEIR FUNDS REPEATEDLY WITH MY ACCOUNT IN ORDER TO PROFIT. I HAVE REPEATEDLY REQUESTED FROM TD BANK TO SPEAK TO THEIR CEO, AND TD BANK DENIED ME THIS REQUEST.
******TD BANK NEVER RESPONDED TO ME OR RESOLVED MY LAST COMPLAINT WITH CFPB AGAINST TD BANK. ******* TD BANK SHOULD BE SUED IN COURT AND FINED AGRESSIVELY FOR A COMPLETE REFUND TO ME FOR FRAUDENTLY COMINGLING FUNDS AND MANIPULATING THE BANKING SYSTEM.
TD BANK FRAUDENTLY overdrew my account and broke the law under the Fair Debtors and Creditors act and the Privacy Act. First, They purposely held pending transactions that the merchant had already sent through. Meaning they held pending transactions so that my account would incur NSF fees totaling {$150.00} which far exceed the amount of the total of my transactions which totaled {$30.00}. They also switched the amount owed from {$250.00} to {$150.00} to trick me, the account holder, into believing that I owe more to TD BANK when in fact I owed less. This is excessive behavior and abuse of power. I filled out paperwork for them to not approve any overdraft fee payments. TD BANK CONTINUED TO PAY THEM EVEN THOUGH I INFORMED THEM AND FILLED OUT PAPERWORK THAT I DO NOT WANT TO PAY IT. TD BANK LIED AND INFORMED ME THAT I FILLED OUT THE WRONG PAPER WORK, BUT THEY WERE THE ONES THAT GAVE ME THE PAPERWORK TO BEGIN WITH, SO THEY KNOWLINGLY GAVE ME THE WRONG PAPERWORK TO FILL OUT SO THAT I COULD INCUR MORE FEES WHICH IS A VIOLATION OF CFPB LAWS. They are trying to penalize me and charge me for overdraft protection that I never requested to begin with AND filled out an application stating that I DO NOT WANT THEM TO PAY IT. They are lying and severely breaking the law. They are just trying to profit from the consumers with the lowest monies in their accounts to utilize - that money that they generate from NSF fees - to pay out to their customers with big business and big money. What they 're doing is fraud and illegal. They 're commingling funds and manipulating their currency to accumulate a substantial amount of money through NSF fees TO PROFIT. A reasonable person under the same and similar circumstances would agree with me. You should also contact their Executive department / CEO because their regulation department will not inform their executive office of their wrongdoing because they know that they would be fired if their Executive department / CEO found out this information of their wrongdoing. I 'd like a refund of all of my NSF fees totaling {$250.00} due to their fraudulent activity and their disobedience of the law under the Federal Trade Commission. THESE EVENTS TOOK PLACE FROM XXXX XXXX, 2016 TO XXXX XXXX, 2016.
Also, When you call their customer services reps, their reps do n't even understand their manipulative banking computer system because if you check each recorded phone call conversation that I MADE TO TD BANK, I HAD TO ASK FOR A SUPERVISOR BECAUSE THE BANKING CUSTOMER SERVICE REP WOULD SAY THEY DO NOT UNDERSTAND WHAT IS GOING ON WITH MY ACCOUNT.
|
| 03/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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In XXXX of XXXX I became XXXX and only recently was properly diagnosed, after being diagnosed with XXXX XXXX. I have been slowly recovering only in the past few week, though I will not fully and live in great pain. I'm in my early XXXX and am in school.
I had dept on a credit card with TD bank that I was unable to address until XXXX. I did attempt to touch base with TD bank at least 3 times a month from XXXX ( when I was able to make a payment by depleting my savings ) to XXXX. But I was unsuccessful and any time I tried to call the line I was directed to I was automatically directed to a collections department. That department would inform me they were only the collection department for checking and saving departments. They would proceed to transfer me back to the same line, keeping me in a loop where I was unable to actually discuss my account to establish a hardship payment plan or request the interest be waived to any extent possible ( which I was directly informed was possible when I closed the account with an existing balance back in XXXX so my sole focus would be on paying the card down ). I closed the account because I had just quit my job as I couldn't type after loosing the dexterity of my hands.
I sent secure message multiple time from XX/XX/XXXX to XX/XX/XXXX and received unhelpful and generic responses that seemed to indicate a lack of seriousness, inexperience, and that my messages were being skimmed not read thoroughly.
Only in XXXX, maybe XXXX, when I was able to walk without sever pain and a lower risk of falling did I manage to visit a branch that was not able to help me in person and I was yet again given another number to call and transferred to multiple departments. However, I was finally able to reach a collections department that was the correct department, after months. I spoke with someone who said that I could apply for multiple payment plans but said I would have to negotiate the interest down, with no guarantee, after agreeing to a repayment plan which felt at most predatory and at least exploitative.
I can't recall all aspects of the call in detail but I asked to speak with a supervisor, a request the representative informed me they were unable to accommodate. I was informed that regardless I would need certain documents to provide to TD Bank to initiate the application process for a repayment plan and was informed I could call back. I tried multiple times to reconnect with that department but no representative knew what department I was referring to and the supervisors I were told would and only could reach out to me via call back never reached out.
During this, TD has been charging me late fees and interest charges surpassing XXXX XXXX dollars. Additionally, they have been reporting this as derogatory to consumer credit agencies. This feels wrong, but given how deeply I feel taken advantage of and disregarded. Especially in a way that feels adverse and in total contradiction to my rights as a consumer, I reach out to this bureau because I question the legality of this banks treatment towards me. I have reached out to this bank multiple times in good faith, even while I was fighting for my life, only to be disregarded while have my credit worthiness unjustly tarnished.
They also closed the link TD checking account without any notice that no representative I've spoken to has known anything about.
*Please note that this was dictated with voice recognition software and grammatical errors should be disregarded.
|
| 06/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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This case involves my checking account with TD Bank. On XX/XX/XXXX after midnight, I had fallen a victim to drug induced theft in XXXX XXXX, LA, where I got both of my cell phone and wallet stolen. I woke up in an unfamiliar area, and I had to get police involved to drive me to where I was staying. All of my IDs and debit/credit cards were in my wallet. The thief most likely used my face to open my cell phone using the face recognition while I was unconscious. The location tracking system of my phone had been turned off by the thief intentionally, so I could not trace my phone. While I was unconscious, the thief had used my credit cards to shop and use services. As soon as I recognized unauthorized transactions, I had contacted all of the banks and credit cards affected by the theft. Since the thief even had access to my email through the stolen phone, I was even more exposed to a bigger scam and vulnerable to the thief 's exploitation. What shocked me most was that some of the debit/credit card transactions had been used by entering the correct PIN. I still do not understand how the thief was able to find out the correct PIN, but it is possible that he or she was shoulder surfing while I was making a payment before the theft incident, or used some technology to crack my PIN. My stolen TD bank card was a XXXX debit card that I could use both as a debit or credit card. There was exactly {$100.00} in it. The bank statement shows {$3.00} of non-TD bank fees as well as {$3.00} insufficient fund fees, and {$93.00} of cash withdrawal. Applying logic and common sense, it is obvious that the thief had no idea how much money was in my TD account and tried to withdraw more than {$100.00}, which resulted in the {$3.00} insufficient fund fees. My debit/credit card with TD Bank was not the only card that was compromised. It was difficult to explain how the correct PIN was entered to other credit card companies that had been affected by this theft, but they all reversed the fraudulent transactions. I had explained that those transactions could not been made by me since I was not at the places that those transactions had taken place. I had provided my " alibi '' so to speak. For instance, I was at the police station making a statement when this TD cash withdrawal transaction happened. Although I had provided detail explanations along with the police report that I had filed, TD had used one dimensional approach, saying that the correct PIN was entered, so the transaction was legitimate. For the past 3 years or so, I had consistently maintained a similar balance in my account every month and never used anything for other than making payments or transfers. TD bank 's investigation did not even consider any other pieces of information and situational factors in my case and refused to reverse the withdrawal of {$93.00} just because correct PIN was entered. I obviously knew how much money I had in my account, and there is not even a TD bank or ATM in XXXX XXXX. After more than 3 years with TD bank, it is apparent that such a transaction is out of the ordinary for anyone who reads the statement. What is even more contradictory is that I had received a fraud alert after that withdrawal transaction happened and TD blocked my account, only after the withdrawal, and yet, when I requested a reversal of the withdrawal, TD refused to reverse {$93.00}. All of my other banks reversed transactions based on the information that I had provided although correct PIN was entered.
|
| 06/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
To Whom It May Concern, A couple of months ago, I along with my colleague XXXX XXXX, initiated a mortgage request through the XXXX XXXX XXXX TD Bank branch. Unfortunately, the problem is that the property I am planning on purchasing is located in XXXX. As such, I have been going dealing with a number of representatives in the local XXXX mortgage lending department, not one of which I have anything positive to say.
The problems first began with a XXXX XXXX, who was absolutely incompetent and unable to do her job to even the most minimal requirement. Forgive these harsh words, but I really must emphasize the poor level of service. This is someone with whom no amount of communication, either written or verbal, seemed to be effective in any way. In all seriousness, this is someone who did not seem capable of retaining or processing any information, resulting in MUCH wasted time repeating things, resending documention, confirming false information she 'd disseminated and repeating explanations of the situation. Most shocking perhaps is her inability to calculate even the simplest sums. During one conversation with her, when it became evident certain dollar amounts she was quoted were in error, she was asked to " tell me what is XXXX % of {$10000.00} ''. When pressed, she was UNABLE TO ANSWER THIS QUESTION (!!! ). On top of this, she routinely ignored questions and refused to answer emails or calls. This resulted in our the whole process being delayed by weeks, a setback that has costed both myself and the seller money in needless expense.
The situation with XXXX became so bad, that we had to be transferred to an XXXX XXXX XXXX with the explanation that " XXXX was new and learning ''. Unfortunately, our exchanges with XXXX are becoming even worse than with XXXX. XXXX regularly displays inactivity towards our case, ignores repeated requests for dialogue on the subject of our mortgage, yet with the added shortcoming of rudeness and the continued ignorance of pleas to return either phone calls or emails. Unsurprisingly, our mortgage request has been further delayed directly due to her ineffectiveness. Of course, the manager of both XXXX XXXX and XXXX XXXX, a XXXX XXXX XXXX, has been advised of all this throughout the timeframe of this situation. Perhaps most shocking is that she too has failed to return phone messages and does not seem to really care about this situation. Such behavior worries me to no end.
I have much documentation and sent emails to support the claims I am making, indeed I have included the email below to give you a sense of the gravity of this situation. What 's more, this can all be confirmed by the XXXX XXXX branch staff who are all too aware of this situation. They have escalated this situation to a number of managers to try and resolve this situation MULTIPLE times. They have called and followed up on things more than anyone at the actual mortgage center, despite this not even being their direct responsibility. Perhaps most telling, they have told me personally that they find this to be " embarassing '' for them as it reflects so poorly on them. In conversations I 've had with them, I even strongly suspect this is not the first time they have experienced such problems with this particular XXXX office.
I hope that this gives you enough information to begin an investigation into this office. The delays caused by their incompetence has led to lots of lost time and money on the part of both myself and the seller.
XXXX XXXX
|
| 04/28/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Nordstrom XXXX XXXX XXXX XXXX CO XXXX Re : Order XXXX XXXXXXXX Account ending in XXXX On XX/XX/2023, I purchased XXXX shoe items XXXX XXXX and item XXXX XXXX. On XX/XX/2023, I received item XXXX XXXXXXXX ( {$1000.00} ), however, item XXXX XXXXXXXX ( {$1200.00} ) was delayed. On XX/XX/2023 I realized I had not received the item, I called Nordstrom to inquire about the status of item XXXX XXXXXXXX and was told and shown thru email that the item XXXX XXXXXXXX was informed the package was delivered in an open area to the public, and left in front of the door. I understand the item was delivered as said and left in front of the door however, I dont live in the hallway and not home to accept the package and specified that item XXXX XXXX was never received.
Upon making the purchase, it was discussed with the retail sales representative XXXX XXXX sales person, Designer shoes @ Nordstrom XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX ext XXXX to make a note for delivery to leave the item with the XXXX, not in front of the door because item are being stolen. This is a building and theyre no cameras on the floors and no security. After going back and forth with Nordstrom customer services on several occasion via phone, I asked why wasnt the item left with XXXX as requested by myself the day of purchase. Customer service states the drivers are allowed to use their judgement on how and where to leave the package. It was also said that the first delivery was left at the door and accepted. Unfortunately, the day of the first packaged that was delivered my husband XXXX XXXX XXXX was home to find the package in the hallway in front of the door however, on the second delivery there was no one home to accept the package and upon my arrival from work the package was never found in the hallway in front of the door as said. My husband and I leave home for work at XXXX and return by XXXX every night, that is why specifics are made.
The insult ; I was told the item ( XXXX XXXXXXXX ) to be removed can not be honored because its an expensive item, however, both items ( XXXX XXXXXXXX ) are expensive. I would like address by the insult I make purchase for expensive items all the time, I shop at stores such as XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX etc. To me this is an insult, accusing me of keeping such item and refusing to pay ( unacceptable ). My fico score is currently XXXX. I was raised to respect credit as a young girl, Im now XXXX old.
Soley, due to the negligence of the delivery, and Nordstrom ignoring the request to leave package with XXXX on the day of purchase, and the request for signature also the poster of XXXX, XXXX XXXXXXXX, USPS, and XXXX on the wall upon entering the building which also specifies to leave with XXXX, because items are being stolen was ignored, Ive have made several attempts to resolve this issue since XX/XX/2023, this is an ongoing dispute. I had my lawyer file a complaint to help resolve this issue, I made several calls to Nordstrom with no resolution. I will continue to work towards having this issue resolved as a respectful citizen and a value customer. I have shopped with Nordstrom for over 20yrs. What happened to respecting value customers, this is not respectful it is disrespectful. I understand the store does not want to take the loss however, I dont understand how Nordstrom would expect me to pay for an Item I did not receive.
Thank You XXXX XXXX, Certified Mediator XXXX XXXXXXXX, Certified Chaplain XXXX XXXXXXXX
|
| 02/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXXXXXX Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately.
XXXX XXXX XXXX Balance : {$510.00} - Balance and payment history is Incorrect please remove immediately.
XXXX XXXXXXXX XXXX Balance : {$500.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.
XXXX XXXX Balance : {$0.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete immediately.
XXXX XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately.
XXXX XXXX XXXXXXXX Balance : {$1800.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting.
XXXX XXXX XXXX Balance : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.
XXXX XXXX XXXX Balance : {$0.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act.
XXXX XXXX Balance : {$2400.00} - This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post.
TARGET/TD XXXX Balance : {$0.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this.
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - This account is showing several violations. You are reporting a Monthly payment on this closed account. These are violation please delete this account.
XXXX XXXX XXXX Balance : {$990.00} - This account shows a lot of violations. Balance is incorrect and payment history is inaccurate. Delinquencies reported after the account was closed. These are all violations please REMOVE this.
XXXX XXXX Balance : {$0.00} - This account is not mine unless you provide me with the corresponding documents according to FCRA that it is mine. Please delete for reporting inconsistent and inaccurate information.
Chapter XXXX Bankruptcy XXXX - You are reporting inaccurate Bankruptcy information. I contact my local court and no bankruptcy could be found with any of the information you have provided : Please remove this account immediately.
|
| 08/24/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
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Under the intentional moves of fictitious overdraft fees without the account showing any negative amount balances and the negative cooperation to resolve all discrepancy issues by the TD Bank at XXXX XXXX XXXX, XXXX, NJ XXXX representatives, assistant manager, also store manager ; home branch for my account, where I was forced to present this complaint seeking for a fair resolution without the need of taking the problem to the higher law enforcement institution. I do understand the bank account terms, regulations and fees that are applied accordingly without the conditions that now are reflected since XXXX " OVERDRAFT Fees '' the ones provoked individually by a bank personal. As seen on the first evidence from the oldest date to the most resent, without any negative balances showing from the beginning date XXXX followed by deposits and withdraws without any negative balances as showing at the far right side of the overview statement where on the XXXX is a {$35.00} overdraft fee to a balance of {$220.00} follow by {$170.00} total fees on XXXX to a balance showing as {$450.00} provoking by the missing balance, a negative {$63.00} after the XXXX schedule debits for another {$70.00} overdraft fees that was reversed accepting the mistakes at the branch and trying to cover up an excuse to keep the {$170.00}, but not returning the prior unjustified fees of {$210.00} still missing at the present balance. Expecting a branch solution from the assistant manager : XXXX XXXX, who presented the issue to, I believe, the branch manager : XXXX XXXX without any positive result and followed by a chain reaction of more fees showing on evidences XXXX, XXXX, XXXX and XXXX for the fees total of : {$860.00} where I kept making deposits to maintain a positive account balance with the money I do not produce with my job, plus falling behind on my billing obligations due to this branch negligent where also the manager in question : XXXX XXXX who also likes to make moves with the given excuse of bringing the account holder attention under fictitious balance or false amount created on the account since a 2013 issue that provoking fraudulent duplicates to single deposit of {$2900.00} on a no funds check that was only to be returned, for a false amount by XXXX XXXX : creating intentionally a false negative balance of {$12000.00} on XXXX which is another unresolved old issue of another total of up to : {$210.00} that was followed by only a XXXX courtesy correction of only {$35.00} refunded, excuse to avoid accepting the wrong, as showing on XXXX of the evidences XXXX, XXXX and XXXX ; prior manager that have been removed or replaced today by XXXX XXXX XXXX who was supposedly to be contacted by XXXX XXXX, the last representative contacted about the {$170.00} case on a last attempt to peacefully seek for a solution to stop all the adding fees caused by the same missing {$170.00} that was refunded after the {$750.00} additional fees taken due to the time the wasted for this refund late correction and today keeps adding to a missing balance now of {$960.00} and growing, I got in contact with XXXX XXXX XXXX who also ignored by refusing to see the consequence that the delay for a solution that was created for the missing {$170.00} from XXXX to XXXX, for another bank personal that does not want to get back with a repaired result, time is running, plus I can not stop my payment obligations that are causing more fees!!! Hoping for fair result, I do offer my gratitude in advance ...
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| 12/30/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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|
Web |
Older American, Servicemember |
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Summary 1. Defendant, Nordstom XXXX XXXX causes XXXX XXXX, Plaintiff, damages of at least {$10000.00} by issuing a knowingly false XXXX for cancellation of {$34000.00} in debt thereby increasing Defendant state and federal income tax obligation ( Exhibit A ).
Facts 2. In XX/XX/XXXX Defendant weds XXXX XXXX, date of birth XX/XX/XXXX, XXXX XXXX of XXXX, KS.
3. In XX/XX/XXXX Nordstrom XXXX extends Credit to XXXX XXXX Account # XXXX XXXX XXXX XXXX.
4. In XX/XX/XXXX, Plaintiff divorce judgment of XXXX XXXX is entered in XXXX County Kansas Case XXXX.
5. Between XX/XX/XXXX and XX/XX/XXXX Nordstrom XXXX moves the subject account balance of {$34000.00} to the name of the Plaintiff without Plaintiff knowledge or authorization ( Exhibit B ).
6. In XX/XX/XXXX Nordstrom XXXX furnishes the Defendant and the IRS a XXXX for of {$34000.00} under account # XXXX.
7. In XX/XX/XXXX Defendant informs Nordstrom XXXX the XXXX is a violation of Internal Revenue Service Treasury Regulation Section 1.6050P-1 ( 7 ) which requires the XXXX Cancellation of Debt be provided to the individual benefiting from the debt which in this case is the account holder, XXXX XXXX ( Exhibit C ).
8. In XX/XX/XXXX Nordstrom XXXX asserts the XX/XX/XXXX XXXX is issued correctly ( Exhibit D ).
9. Nordstrom XXXX changed its name to XXXX XXXX XXXXXXXX XXXX in XX/XX/XXXX. The company was founded in XX/XX/XXXX and is based in XXXX, Arizona. As of XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX operates as a subsidiary of XXXX, XXXX.
Statute of Limitations 10. Plaintiff is informed of the fraud by XXXX XXXX, Nordstrom XXXX Recovery Specialist, on XX/XX/XXXX. The statute of limitations shall not commence until the fact of injury becomes reasonably ascertainable to the injured party, but in no event shall an action be commenced more than 10 years beyond the time of the act giving rise to the cause of action for Civil action ( XXXX XXXX ( XXXX ) ) and before XX/XX/XXXX for Criminal action ( XXXX. XXXX ( XXXX ) 3.
Jurisdiction and Venue 11. Plaintiff XXXX XXXX is a resident of XXXX XXXX Kansas.
Count I 12. Nordstrom XXXX created an account and transferred funds in the name of the Plaintiff without the knowledge or authorization of the Plaintiff between XX/XX/XXXX and XX/XX/XXXX. Section 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits unfair acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). An act or practice is unfair if it causes or is likely to cause consumers substantial injury that is not reasonably avoidable and is not outweighed by countervailing benefits to consumers or to competition. 12 U.S.C. 5531 ( c ) ( 1 ).
Count II 13. Nordstrom XXXX issued a XXXX in the name of the Plaintiff for the false account created in Count I XX/XX/XXXX. Section 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits unfair acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). An act or practice is unfair if it causes or is likely to cause consumers substantial injury that is not reasonably avoidable and is not outweighed by countervailing benefits to consumers or to competition. 12 U.S.C. 5531 ( c ) ( 1 ).
Count III 14. Nordstrom XXXX refused to correct the false XXXX after being appraised of the Internal Revenue Service Treasury Regulation Section 1.6050P-1 ( 7 ) XX/XX/XXXX, a felony, 26 USC 7206 ( 1 ).
Count IV 15. Nordstrom XXXX issued a XXXX in the name of the Plaintiff for the false account created in Count I XX/XX/XXXX in violation of Kansas Statue ( K.S.A. ) 79-3228 ( e ) a misdemeanor, and ( f ) a felony.
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| 09/22/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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16 C.F.R. 433.1 ( b ) Consumer. A natural person who seeks or acquires goods or services for personal, family, or household use. ( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. ( i ) Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section.
16 C.F.R. 433.2 In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ) 16 C.F.R. 433.3 ( a ) Any seller who has taken or received an open end consumer credit contract before November 1, 1977, shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses. ( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended. ( 3 ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credit.
I placed my indorsement on a consumer credit contract with Target. The consumer credit contract is a negotiable instrument Pursuant to the above definition. A purchase money loan, which is a cash advance was never given to me the consumer when I Indorsed the Consumer Credit Contract. If banks can only lend their own money and are not allowed to lend credit what did you lend me? This is ultra vires and this is unfair, deceptive acts or practices.
pursuant to 15 U.S.C. 1605 the finance charge is the sum of all charges. So if the finance charge is the sum of all charges and it was paid for with the purchase money loan What Did Target / TD BANK USA N.A. lend me? Credit or Money?
Pursuant to 12 U.S.C. 24 seventh, You can't hold Securities for yourself only customers. I demand Documentary Evidence on the public and private side pursuant to 15 U.S.C. 44. Pursuant to 15 U.S.C. 1635 I would like to Recession this transaction and have all monies returned Target and TD BANK USA N.A. has use false, misleading, and deceptive tactics and those all violate 15 U.S.C. 1692e Pursuant 16 CFR 433.2 you were supposed to include this disclaimer and you didn't NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. And as the Debtor I am asserting my rights.
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| 10/22/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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I purchased a new XXXX XXXX XXXX XXXX phone from XXXX XXXX. They arranged financing through TD Bank XXXX Financing. I was approved for financing and started to receive access to my new account via emails ( before I ever got any statements in the mail ). I sent up my account online and liked it to my checking account. During the solicitation of the purchase and financing I was told I could make 36 payments for the remaining balance with no interest. Once I set the account up online i sent a test ( {$35.00} on XXXX ) payment into the account just to make sure the account was working properly for payment. It was accepted and the money was taken from my bank account and my online account balance owed for XXXX/TD Bank XXXX was reduced accordingly.
I subsequently got a welcome letter in the mail from XXXX/TD Bank XXXX welcoming me to the family so to speak. With that information was an indication of how much the monthly amount would be so I went back on line and made another payment ( {$2.00} on XXXX ) which would have put me above the amount required to pay by the first installment. On XX/XX/XXXX I made another payment of {$5.00} based upon what i saw online was " due ''. By this point I had paid in excess of what was required for the first monthly payment due on XXXX.
On XX/XX/2020, I got a courtesy email from TD Bank XXXX Financing ( XXXX XXXX # XXXX ] TD XXXX Payment Reminder ) which stated, " Your TD XXXX credit card payment is due on XX/XX/2020. If you have already sent in at least your minimum payment, please disregard this reminder. '' I knew by this time i had sent well in excess of the required monthly minimum payment. To my surprise i went online today to check my account and there was a LATE CHARGE of {$27.00}. I called XXXX Customer Service first. They in turn referred me to TD Bank XXXX Financing at XXXX and i spoke with a representative by the name of XXXX.
XXXX tried to tell me that because I sent them money ( which they accepted and credited towards my balance ) before the start of the first billing period it was not considered or given credit for the first billing statement and was only applied to the principle balance! In essence i should have waited until i got a bill before sending them any money even though they accepted the money and credited towards my balance but not towards the first monthly payment which was due according to them on the XXXX of XXXX.
They offered to remove the late fee ONLY IF i paid the remaining amount they considered owed in the billing window. from the time the first statement was issued and the due date.
This is in my opinion a deceptive practice and a de facto pre payment penalty! If they had refused acceptance of the payments prior to a bill being sent that would be one thing. However they accepted the payments and put them towards my balance before the due date. There is no excuse why those payments were not considered as satisfying the first monthly installment if they were received before the due date and after the account had been established and showed a balance owed.
I notified them that i was not satisfied and I do NOT want any record on my credit regarding a late fee or failure to pay as agreed. One of the XXXX representatives stated before I was transferred to TD Bank XXXX that " the system '' didnt understand prepayments '' Thats not my problem. I specifically paid early so this would not happen while waiting on the first bill.
This is a bait and switch!!
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| 09/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
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Web |
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On XX/XX/2016, we have applied for a refinance loan with TD Bank, loan id XXXX. It was a bad idea.
Several highlights of our process : 1. As a pre-requisite for this loan application, the loan officer ( LO ) told us to visit the physical branch of TD bank to obtain a form that verifies our identities. We show our ID 's to a branch employee, and that person signs the form.
a. Thankfully, there was a branch close to where we live, but what would other people who who live hundreds of miles away from the branch? When we were submitting the loan application, nobody warned us of this requirement.
2. When we visited the branch, the employees said they never heard of such form. We showed them our IDs and obtained a letter indicating that our identities have been verified. Nevertheless, the LO did not accept this letter and instructed us to go back. This time LO has emailed the form to TD branch.
3. When the title company was chosen, we had to send ALL our documents AGAIN to the title company, even though TD bank already had all our documents and could share.
4. When the closing date was scheduled, on XX/XX/XXXX LO told us that we have to visit the branch again in order to obtain the Closing Disclosure, because TD bank was " unable to send the documents in other way ''. When we reminded them that Regulation Z makes it a lender 's responsibility to deliver the documents, we received a link to an online TD bank documents system, which however did not contain a Closing Disclosure ( as of XX/XX/XXXX ).
5. The closing date was scheduled for XX/XX/2016, at XXXX am. At XXXX the title company has informed us that they have not received all documents from TD Bank. When we contacted LO, we were told that LO was still waiting on the " verbal employment verification '' of one of the borrowers, which by LO 's interpretation was the responsibility of the borrower 's employer. We have not been notified of this requirement at any point before the closing date. When we managed to resolve this issue, the title company could proceed to closing, which happened at XXXX on XX/XX/2016.
6. We have received our final Closing Disclosure at the closing table. There we have learned that our cash to close changed from minus XXXX dollars on the original LE to XXXX dollars on the final Closing Disclosure. Nobody has warned us about this change up until the closing date. A closer look revealed that our loan amount has decreased by XXXX dollars, which was one of the reasons for an increase in the cash to close. Other reasons included higher fees for various services, such as appraisals, etc.
7. After the closing the title company has contacted us to tell us that TD bank did not accept our personal check for the cash to close money. They wanted a certified check or a wire transfer. When we told the title company that we did n't know about the check until the day of closing, the representative told us that they have spoken with TD bank about this earlier. The TD banks ' interpretation of Regulation Z, by the word of the title agent, did not oblige TD Bank to deliver the final closing disclosure to the borrower three days before the closing date, " as long as they provided some kind of disclosure ''.
We ask CFPB to investigate TD Bank 's practice of complying with Regulation Z, as well as unreasonable documentation requirements imposed on borrowers ( with which we have to comply so as to avoid delay in closing or large fees if the rate lock expires ).
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| 11/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I'm writing to you to bring to your attention our recent experience with the TD Bank XXXX team.
I have been a loyal customeralong with my wife and son. We have been banking with Td bank for close to two decades. We have had a mortgagewith TD bank for the last 5-6 years for our apartment in XXXX and when the interestrates started dropping earlier this year, we decided to refinance our Loan for a 2.65 fixed Apr.
We started the refinancingprocess in XXXX and right away noticed things are moving on a slower pace but did acknowledgethe fact that everyone is working fromhome etc due to the pandemic. We had submitted all the paperwork requested by the team by XXXX and more paperwork was requested saying that some of our income cant be used towards the refinancing. During this time the loan officers called us serval times and asked us to do a loan modification to lower our rates to 3.5. I told them I dont want to take that offer as I wanted to refinance and lower our rates from 4.5 to 3.65 and wanted to change it to a 15 year fixed instead of 30 year. Soon I got another call from the back office and the underwriter pretty much tried to convince me to take the loan modification deal for 3.5. I said Im not interested. I cant tell you how many times he pressured me to take that deal.
Few days after we were told that we're not making enough money to support the refinancing. So we decided to add my wife 's father as a co-signer. This was also a time we decided to go to the XXXX for a month-long trip to escape from Covid. I told the TD XXXX about the trip and told them how important it is for us to wrap this up while we are in XXXX. To our disappointment the TD XXXX XXXX took their time and missed a few of the appointments we made for them to talk to my father-in-law, and everything else followed for that matter.
To make the long story short we were at the XXXX for almost a month and a half and TD XXXX dragged everything out. During this time I kept calling and emailing all the members and telling them how important it is to wrap this up when we are at the father in law. Unfortunately nothing happened and once we got back to New York, I started getting emails regarding what paperwork we needed from our father in law. This was a time my father in law had an accident and he was unable to send any paperwork.
TD bank XXXX took this as an opportunity and told us to take the loan modification deal and we didnt have any other option but to agree to it.
I received a letter for the loan modification in XXXX where it stated that our new monthly payment of principal and interestwill be XXXX from XX/XX/2020. Upon reviewing our online account on XX/XX/XXXX I noticed we were charged XXXX. I emailed the Mortgage team right away and they responded back saying they will reach out to the back office and rectify the error. I haven't heard from the mortgage team since then and i have been emailing and calling them every week.
The whole process has been very very disappointing and I hate to say this but def has made me and my wife rethink our path forward with TD bank.
If the TD XXXX XXXX had acted in a timely manner we would have successfullyrefinanced our home for 2.65 fixed APR.I have all the emails to support my claim. I hope your team will do what is necessary to have TD bank XXXX XXXX rectify this from their part and offer us the lowest refinance rate and lock us in for a 15 year loan.
Thanks, XXXX XXXX XXXX XXXX XXXX XXXX.
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| 02/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/XXXX, my wife and I purchased a XXXX XXXX XXXX XXXX and entered a loan contract with TD Auto Finance to complete the transaction. At the time of purchase, we had also opted to buy the extended warranty and pre-paid maintenance plan for a total of {$3300.00}. After getting home and thinking over the purchase, we opted to exercise our right to cancel the warranty and maintenance plans by contacting the warranty company. The warranty company promptly issued a refund directly to TD Auto Finance which was received on XX/XX/XXXX.
When we received our XXXX statement, it accurately reflected the {$3300.00} as a payment. XXXX XXXX classified this a normal payment and pushed ahead our due date by 5.5 months, as I expected. In order to pay off the loan ahead of schedule we determined to keep paying monthly. On XX/XX/XXXX, I sent in a payment of {$610.00}, of which {$290.00} was applied to satisfy the extra half month paid ahead, and the remaining {$310.00} was applied to principal. Note that this was unintentionally short by {$.00}, but I didn't bother to correct it as the due date was 5 months in the future and it was inconsequential at the time.
All was well and payments of {$610.00} were made for XXXX, XXXX, XXXX, and XXXX without issue. All statements received showed {$0.00} due and an account current.
When I logged in to pay on XX/XX/XXXX I noticed that the web site showing my account as past due, despite the previously mentioned statements showing a XXXX balance. Also, when I went back to look at my payment history, I noticed that my payments from XXXX, XXXX, and XXXX had been retroactively noted as late and a {$15.00} late fee was charged against each one for a total of {$45.00}.
I immediately called TD Auto Finance 's customer service in order to find out what was going on. The first customer service representative immediately noted my account was overdue, asked why, and after I explained my situation she said she would transfer me to someone else who could help, the agent did not give me her name. The line was then disconnected. I called back and spoke to a second representative, who again did not give a name, with the same result except this time I was transferred to a different company who was in charge of processing payments. They could not help me. The third representative, XXXX, was finally able to explain what was going on ; apparently the cashiering department at TD on XX/XX/XXXX had reclassified the {$3300.00} payment from XX/XX/XXXX as a principal payment. This reclassification had caused my XXXX payment to be short by the {$310.00} principal payment I had made. This shortage, plus the {$.00} error on my part had cascaded throughout all of my payments, turning payments tendered ahead of time, to actually late. The explanation made sense, but XXXX was not able to resolve this issue and due to technical issues was not able to transfer me to a supervisor. She said that she would notify them and have them call me back.
On the same day, I wrote a secure message to TD Auto Finance through their website explaining the situation. I received a response on XX/XX/XXXX directing me to call their customer service line as they were unable to resolve the issue in writing. On the XXXX I responded that this was not acceptable as I had tried that path and asked for someone to contact me directly. I was not contacted any further via writing or phone and am now reaching out to the CFPB for assistance.
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| 06/13/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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Web |
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Recently I have been a victim of an online banking fraud where the perpetrator was able to use a phone call to verify a transfer from my account. That person was able to obtain {$1100.00} from my TD bank checking account using a transferring platform called XXXX on XX/XX/2019. I had absolutely no knowledge of this transaction nor have I ever received a call or message to confirm or allow the transaction to go through. I was even at a TD bank when the transaction occurred and the bank specialist saw the transaction occur and was pending. Even after I said it wasnt me and specifically told the representative to not allow the transaction to go through he told me in order to deal with this fraud situation you will have to allow the transaction to post. Being that he was a professional with experience I listened to him and allowed him to take the actions he believed were necessary. That day we put in a claim and called the fraud department to let them know about the situation and he confirmed with me that I should not worry that I will get my money back. As a person with good faith and trust in our financial institution I followed orders and waited as I was told to. About a week later I found out they denied my claim saying it was familiar fraud. I live in XXXX XXXX and the confirmation phone call they said occurred was in XXXX XXXX and my money was transferred to someone in Arizona which are two states I have absolutely no relations with. I have no family, friends, peers that are from these areas which proves how I am a victim. I never confirmed a transaction like that and I never allowed a secondary person to have authority on my account. I am the only authorized person that is able to handle everything with that account which is why it is extremely strange that they allowed a transaction to occur through an unknown phone confirmation. After being denied I put in a 2nd claim and then got denied again and then put in a 3rd claim and received the same results. Finally I submitted a 4th claim with a police report that explicitly states I have been a victim of identity theft but the bank still denies to reimburse me. Now 6 weeks have passed ( XX/XX/2019 ) and I am still not reimbursed and have been told they can not help me with this situation any longer. TD bank said I have to go through legal action and small claims court in order to try to recuperate my losses. As a consumer in a financial institution I am appalled by the handling of this situation. I have been banking with them for 4 years and never once filed a complaint or a claim for fraud. This is my first time and it is obvious this a fraud situation but they are unwilling to help me or reimburse me. The bank has me running around for paper work and police reports in order to receive a reimbursement and even after I have obtained and gave them all the document proof they are still giving me a hard time and making me as a consumer to deal with this loss. Being that I have rights as a consumer and there are laws regarding these situation such as the Electronic Funds Transfer Act, I am upset that I have no protection from these terrible fraud situations. I am really hoping with this written complaint I will get the justice I deserve and based on the results will be able to once again trust the financial institutions. I can provide any documents necessary or answer any concerns or questions that you may need me to provide in order to resolve this situation.
|
| 01/10/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
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On XXXX XXXX, 2017 my debit card was denied for having insufficent funds. I thought there is no way. I had more than enough money to cover all purchases with {$140.00} left. I called TD bank the automated system told me my account was overdrawn by {$310.00} ( they had already took their fees of {$140.00} ) I coud n't understand why they did n't transfer funds from my savings account they were supposed to if ever my checking account was low. But they did n't. Instead they over drew my account. So I transfered {$300.00} from my savings into my checking. When I got home from work I called TD bank. I asked why did n't they transfer my funds like they were supposed to? I signed up for this when I opened the account. I was told I see you have the overdraft protection here they should n't have done that. He said May I out you on hold to find out what happened? He left me on hold for a long time when he came back he said oh no you dont have account protection that he had made a mistake. Sunday XXXX XXXX,2017 I went in to TD bank I asked why was n't I given a copy of all the papers I signed when I opened the account? I signed up for the overdraft protection plan where it transfers funds from your savings into your checking. And I was on the phone with customer service the manager asked me if I had a copy of that form I signed. When I opened the TD envelope of all the paperwork supposed to be my copies there was NOTHING there that I signed. He told me oh there wo n't be we do n't give customers copies of the papers they sign when they open an account with us. That is just information about your account. I recorded everything from BEFORE I stepped inside. I told him I want copies of everything I signed. He told me to have a seat. He then asked me why I wanted it. I told him. He printed out 3 pages I said where is the rest? I signed at least 20 papers when I opened the account. He said no this is all. We scan everything that you sign. And it shows you do n't have overdraft protection if you did they would have given you a copy of it when you signed it. I was furious. I said you just lied. You told me at the counter TD bank does n't give customers copies of what they sign when they open an account just account information. I said I am recording this ALL of. He did not ask me not to or ask me to stop recording. He then said what may have happend is when the account was opened the staff did n't scan alot of documents and put them in the back room in the file and that is why there not showing up in the system. He went to the back and left me waiting forever. He came then called me back to the counter he asked me to give him what he printed out for me. He wanted to see if what he gave me matches. I said why do n't you just bring those papers out front? He said that 's because I did n't find anything. I wanted to see what I gave to you incase I found something. They lied said I did n't have that extra protection I know I signed up for. They failed to transfer funds to my checking. In one week TD bank took from me {$240.00} and y account was never over drawn. I have all the screen shots of their lies. I also have the entire conversation from the bank that day. I need an email address to send over the documents and recording. TD bank is frauding customers. They do n't care because even though smacked with millions of dollar in Federal lawsuits to them it 's like a slap on the wrist and they continue. This time make it count.
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| 05/21/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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|
Web |
Servicemember |
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We have a XXXX XXXX XXXX Account with a promotional rate. As such, I try to be careful to pay more than minimum and early. I have had a couple times where I thought I was paid a month ahead and received a late fee, but things happen and I didn't complain. Then on XX/XX/XXXX, the primary on the account received a 'Collections ' call. The person calling stated that we hadn't made a payment since XXXX and she wanted to help us figure out our account. My husband called me wondering what happened and I called the company to straighten it out. On XX/XX/XXXX, I called the customer service number on our statement. I told the person that called that I had made a Payment on XX/XX/XXXX and another on XX/XX/XXXX ; my records indicated that I was not due until XX/XX/2021. The person confirmed the payments posted on the days mentioned. I stated, " oh, you must have a cycle thing that won't advance the due date. I will need to get that cycle date so that I can be sure to wait for them in the future. '' Then asked him to repost the last payment and remove the late charge. He told me that he could remove the late fee as a 'one time courtesy credit ' AFTER I paid the past due balance. I got angry and said 'what past due amount, you just confirmed 2 payments posted. ' He stated the I had to pay the past due of {$1300.00} ; when I persisted with where that number came from I was told, $ xxx for XXXX and $ XXXX for XXXX and the late fee. I said are you joking, you want me to pre-pay my account before you will fix a posting error? This went back and forth a couple times then I asked to speak to a supervisor. He stated " I will transfer you to a supervisor so she can tell you the same thing. ". Not terribly professional or friendly, but these things happen. The supervisor was possibly more unprofessional and stated that she wouldn't re-post anything and she might refund the late fee after I paid the {$1300.00}. I told her I was NOT pre-paying my account, but I was getting ready to make a payment in the next couple days so I would make a payment so they could take care of the late fee. A couple days later my bill came in ; it reflected the next due as XX/XX/XXXX and a late fee assessed on XX/XX/XXXX! I then decided to post a complaint on their web-site thinking that the management level would care. This email went out on the evening of XX/XX/XXXX. I received auto responses from the ombudsman email and the customer care email. I did receive a call on the afternoon of XX/XX/XXXX, the customer service person calling did not speak clearly and I couldn't understand her name. I returned a call to the customer service, the same that I started with, and asked what the other person was calling about or if they could put me in contact with that person. I was told she was calling to tell me that she was going to give me a " one-time courtesy credit '' of the late fee. I advised that wasn't good enough, I want my payment history reviewed and properly applied. I want previous late fees reversed if I was not actually late. It was never disclosed that I needed to make a payment every calendar month. Nor was I made aware that there was a billing cycle to work around. I simply want the company to properly post the payments that I have made and advise me of the cycle date, so that I can be sure to send payments after that date in the future. It think it is sad that I had to resort to this. I can provide a copy of the email sent to the company.
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| 07/11/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XX/XX/XXXX Contact XXXX to close my account to further purchases. XXXX customer service rep informed me that closing the account would not relieve my responsibility to continue making the monthly payments which I agreed to continue making until the card was paid off. At this point, the debt owed was under {$150.00} and the XXXX representative informed me that by closing the account no more fees would be added to the account if I agreed to pay {$25.00} a month until paid off. XX/XX/XXXX Missed my monthly payment by 8 hours resulting in a {$35.00} late fee. Subsequently, contacted XXXX customer service and was instructed that they would waive the late fee and that it would be reflected in my next billing cycle in XX/XX/XXXX. XX/XX/XXXX Made my normal monthly payment on time. Received notice in my monthly billing statement that not only had the previous late fee not been removed but an additional {$35.00} fee was added to my account. Contacted XXXX to inquire. It was explained to me by customer service that both fees would be removed. Was instructed to make an additional payment to prevent further fees accumulating which I agreed to an made at the time. XX/XX/XXXX Made my normal monthly payment on time. Again received notice in my monthly billing statement that not only had the previous late fees not been removed but an additional {$35.00} fee was added to my account. at this point, there were 3 late fees added to my account and again I contacted XXXX to inquire. It was explained to me by customer service that if I made an increased payment the fees would be waived and that it was just a system generated issue and by making an additional payment it would be resolved on my next billing cycle. By this point, my base debt amount including interest was {$69.00}. Was instructed to make an additional payment to prevent further fees accumulating which I agreed to an made at the time. XX/XX/XXXX Once again made my normal monthly payment on time. Again received notice in my monthly billing statement that not only had the previous late fees not been removed but an additional {$35.00} fee was added to my account. At this point, there were 4 late fees added to my account and I again contacted XXXX to inquire. It was explained to me once again by customer service that if I made an increased payment the fees would be waived and it would be resolved on my next billing cycle. Now at this point, my base debt amount including interest was only {$40.00}. Was instructed to make an additional payment to prevent further fees accumulating which I agreed to an made at the time. XX/XX/XXXX Made one final payment of {$40.00} on time to pay off and close the account. Once again I received notice in my monthly billing statement that none of the previous late fees been removed for a total of 4 late fees amounting to {$140.00} in just fees that should have been removed at the initial request back in XXXX. To this date XX/XX/XXXX, XXXX has refused to work with me and has negatively impacted my credit report by continued to charge late fees on top of late fees even though the base amount owed has been paid in full. I have made repeated calls to XXXX and their debt collection arm only to be instructed that someone would call me back to resolve the matter which to this date has not occurred. I hereby state the fact disclosed in this document are true an to the best of my knowledge. XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ( XXXX ) XXXX
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| 11/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
Servicemember |
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On XX/XX/XXXX, I called Target Credit Card services to advise that I was having trouble submitting the XXXX payment online as customary. I tried twice and the payment failed both times despite having more than enough available funds in my XXXX XXXX savings account with routing number ending in XXXX. According to Target, the problem was not on their end. Somehow, the bank was routing the XXXX payment to an old account number ( same routing number ) ending in XXXX, instead of the intended account number ending in XXXX.
During the XX/XX/XXXX call, the issue was corrected and full payment was collected via phone. There was no mention of additional penalties or forced account closure during the call. When I asked for a first-time courtesy waiver of the {$29.00} return fee, the request was denied. In response, I indicated that my card had been upgraded to a MasterCard ( vs store card ) to encourage additional spend, and I wanted to downgrade the card to my original plastic if this is the way they treat long-standing customers ( I have been a cardholder since XX/XX/XXXX XXXX. That request was also denied. I then stated that it was a horrible customer experience, driven by a bank error, and I planned to continue using the card in-store only going forward rather than continuing to support a bank that would penalize customers for their errors. The agent was rude and abrupt, cutting me off to say that this strict policy is mandated by Target corporation and not TD Bank ( the issuer ).
Several days later, I received a vague adverse action letter stating that the card had been closed despite an impeccable payment history and ongoing active use of the card. With the closure of this tenured card, my credit score dropped 60 points with XXXX. While I am frustrated by the damage done to my credit score, I am writing because I called back again in XXXX to file a dispute and was denied the opportunity to do that. I asked the company to investigate what I believed to be punitive action and to confirm that it is indeed consistent with the Target Red Card agreement. I believe that the supervisor agent that I spoke with on XX/XX/XXXX engaged in disparate, unfair treatment and unilaterally decided to retaliate against me by closing the account, which was in good standing, to harm. When I called back, the new agent ( named XXXX XXXX told me that the card was closed because of the two returned payments ( not my error! ) and that the language in my Target credit card agreement called for closure according to its policy on returned payments.
After revisiting the card agreement, there is no explicit language that says after 2 returned payments, your account will be closed - especially when those two occurrences happen within close proximity to each other and there is clearly a system error that needs to be addressed.
It is disappointing to know that this is how Target treats customers who have 100 % on-time payments and have long been loyal to the brand. More importantly, it is critical to gain clarity on this policy and ensure that there was no deceptive or unfair actions taken against me by this agent who represented Target on the XX/XX/XXXX call. The company is now demanding a final payment of {$41.00} consisting solely of fees associated with their bank error. And the threat is to further ruin my credit if I do not pay this final fee. After spending thousands of dollars each year on my Target card, this is shameful.
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| 07/10/2015 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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TD Bank hit my account with over {$200.00} in over draft fees unfairly for {$10.00}. My TD bank phone app showed me that I had funds in my account so when I needed to purchase something I did. The next day the TD app showed me that I was over drafter by {$10.00}, I went into a TD branch the same day which was a Sunday where a banker told me that because it was a weekend I had until the end of the next business day ( Monday XXXX to make a deposit before I received an over draft fee.So I made a {$60.00} deposit, my account should have evened out, yet by Monday afternoon they charged me {$100.00} in fees for each of the transactions made over the weekend which only totaled {$10.00}. When I called customer service they were of no help, I explained to them that I made a deposit in my account on Sunday before the next business day as their policy states so I should not have been charged with the OD. But the rep told me that there was nothing they could do for me, given that my account was over drafted due to their fees, I was unable to use it so I was shocked to find out that TD then charged me an extra {$35.00} OD fee for an attempted charge on my account. I apparently had an auto transfer set up for my savings account, which was attempted but not successful since I no no funds in my account. Yet TD still charged me {$35.00} for the attempted transfer which I explained to them was automatic and that I was n't aware of. It is n't fair that I have to pay a fee because someone else tried to debit my account and they did not honor their own policy of not charging me an overdraft fee until the next business day. So they have now succeeded in charging me {$220.00} in fees for being over drafted {$10.00}, that is beyond excessive. When I went into a nearby TD branch, the banker told me that they charged me because I apparently had Over draft protection on my card which allows transactions to go through even when funds are low. I told him no one ever explained to me how the over draft protection worked. Why in the world would I want purchases to clear on my card if there were no fund and I had to pay fees for it later, that just makes no sense and I would never agree to such a thing. They mislead people with that program. They also charged me over draft fees for 2 purchases I made on a Thursday when I had funds in my account, however TD charged me for the purchases the following Tuesday. When I complained, the customer service rep told me that TD reorders your purchases, so the highest amount gets cleared first before the lower amount. This is beyond absurd, so they basically held my purchases from thursday XXXX purchases I made when I had money in my account ) and waited till I made new purchases and reordered them. So purchases made later where processed first because the amounts were higher and XXXX proceeded to charge me for the thursday purchase the following Tuesday. This is an unfair practice, when I purchase something on my card I expect it to go through right away, not held until I make a larger purchase and reordered. This is ridiculous and is how they put their customers into Over draft so that they can collect fees. This is the worst bank ever, its one thing after the next with them and their customer service is never helpful. I 'm just sick and tired of them taking advantage of their customers. I am definitely closing my TD account as soon as I get this situation sorted out. It just is n't fair.
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| 11/28/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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On Monday XX/XX/2016 after accompanying my husband to the Doctor in XXXX New Jersey ; I asked him to stop at the TD bank near our home in XXXX New Jersey so that I could make a deposit into my checking account. However, shortly after we left XXXX office located at XXXX, XXXX New Jersey, and made a left we saw a TD bank which is located at XXXX, XXXX New Jersey and we said why wait to go to the bank in XXXX by our house when a branch is conveniently situated en route. We arrived at the bank just around closing XXXX pm so I told my husband that I would deposit the funds via the ATM. The ATM is located in the front of bank where there is no parking, so my husband waited in the back parking lot with our pet dog XXXX while I went to deposit the funds. I deposited {$840.00} ( XXXX {$100.00} dollar bills and XXXX {$20.00} dollar bills ) I had planned on depositing {$850.00} but I changed my mind and instead deposited {$840.00} cash. I inserted my ATM card, entered my pin # selected deposit cash, waited for the cash deposit window to be lit with that green light. I then deposited the funds. It briefly returned the cash with a message stating that it was unable to read some of the bills. I re-entered the bills and it said it was processing my funds, then it ask if I wanted a receipt. I clicked yes and it printed out the receipt showing {$20.00} deposited. I waited by the machine for about XXXX minutes to see if my cash would be returned, but instead the welcome screen came on. I went around back and frantically told my husband what had occurred and he said he had just noticed the drive thru was still opened so lets go and inform them. We told them what had happened but in my upset state I said I had deposited {$850.00} instead of {$840.00}. In any case the teller at the drive thru ( and I did not get his name ) made a copy of the {$20.00} receipt and said someone would call me at XXXX am the following morning. The next day, around XXXX pm a woman called me from XXXX identifying herself as XXXX from the XXXX branch asking me to recount my experience from the prior evening. XXXX then informed me that a claim called a Reg form would need to be filed. I informed her that I was actually at the TD bank ( located at XXXX. XXXX NJ ) waiting to speak with a bank professional since no one had called me as promised from the XXXX branch where the incident had occurred. XXXX apologized for not getting to me sooner, then informed me that there was no need for me to return to the XXXX branch to file the claim, instead I should do so at the XXXX branch. I then met with a branch employee name XXXX, to whom I again recounted my experience. XXXX basically inferred that she did not believe me, she said if I had deposited a check she could understand but cash she found to be incredible. I informed her that a few months ago, at her branch location I in fact deposited a small check at the ATM ( I dont recall the exact amount ) but it was XXXX plus dollars and the ATM printed a receipt instead showing a deposit of {$5000.00}, I called the bank and informed them of the {$5000.00} error and that incident was cleared up in about 3 days. XXXX filed the Reg form and I am still waiting for a response. I am filing this dispute with CFPB because I know that TD bank employees do not believe that the ATM ate my cash. I am not asking for any provisional funds I just want my hard earned money that I deposited on XX/XX/2016 via ATM.
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| 10/31/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2020 around XXXX, I noticed two {$6000.00} transactions had taken place in a joint account held with my ex- husband. I immediately called him to understand the transaction as he only deposits into the account-NEVER in the 10 years since weve been divorced has he withdrawn from this account. I confirmed he did not. I called the bank and sent an electronic communication to raise alarm to stop what was showing as a pending transaction. I learned that my ex husbands personal information had been stolen and the information used to compromise several of his accounts, via an online transaction, the largest impact was to our joint account. His separate personal account was also compromised.
He went to the bank immediately after my call to him ( XX/XX/2020 ), I called the bank twice, then we jointly called the bank ( XX/XX/2020 afternoon ). A fraud representative told us how the money moved from the accounts and stopped short of telling us how it left the bank at XXXX. We filed a claim on XXXX. After two weeks, I called to get an update on the case and was told that there was no record of a claim on this account. I was shocked given all of the actions taken on XX/XX/2020. I filed another claim on XX/XX/2020. I waited an additional two weeks, calling the fraud line 3 times and being on hold for over 45 mins without response. I finally called the branch manager XXXX in XXXX XXXX, NJ because I needed to speak with someone who has access to the right people in the bank. She jumped in to assist! She then gave me The chairmans office number. I call, three days later in early XXXX XXXX around XXXX ) I received a call back. I state my case again- very frustrated. I spoke with XXXX. Near two weeks later, I get a call back from XXXX. I miss her call, yet call her back 20 minutes later. No response. I leave a voicemail ... 3. I ultimately call her three times in five days, no response or follow up.
I call the branch manager XXXX, who took my call on vacation. She tells me her assistant would call me. On XX/XX/2020, I state my case yet again to the assistant branch manager. She asks for a police report and affidavit from my ex husband. She also informed me that I received a letter on XX/XX/2020 regarding the claim, which still to date- I have not. Additionally to date, NO ONE from the bank had ever followed up with my ex husband about this claim nor for the other claim for his separate account. ( Now, near 8 weeks later, information is being requested from the assistant branch manager to support the claim from XX/XX/2020 ). I call my ex husband for the assistant branch manager to speak with him-the two connect.
On XX/XX/2020 he drives down to my local branch in XXXX XXXX NJ to provide the additional details requested ( police report and affidavit ). Now one week later, XX/XX/2020, no follow up. I am concerned that the bank has not done its diligence, and avoiding trying to insure and protect our money. I work in financial service and the software and overall technology available to large financial institutions should have allowed them to retrieve the money and individual accountable. We are near 60 days out on this situation and to date it has been handled poorly. Ive been a customer for over 20 years.
For context, this account is used to financially support my son who is in XXXX XXXX XXXX XXXX and headed to college in the fall. The {$12000.00} is less than 1/2 of his XXXX XXXX tuition.
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| 11/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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TD credit card is not shown in any of the credit reports from XXXX, XXXX and XXXX because the account was deleted by TD Bank. As a result, my credit score was affected severely. I reached out to TD bank multiple times and they replied with a letter saying that they found an error ( attachment 1 ) and will fix it in 60 days. After 130 days the error was not fixed and I reached out to TD bank again and this time they replied saying : " they are reporting my credit correctly ''. After 160 days, I still can not see my TD credit card in any of the credit reports from XXXX, XXXX and XXXX. I called XXXX and they confirmed that they haven't received communication from TD bank to fix the error.
More details : 1- In XX/XX/XXXX I got TD bank secured credit card after depositing XXXX $ security deposit.
2- I had a very small fraud on my TD bank secured credit card XXXX around XX/XX/XXXX.
3- I replaced my secured TD card number XXXX with a new number in XX/XX/XXXX.
4- The fraud did not affect my credit monthly statement, but I mistakenly assumed my credit score was affected and I filed a dispute with XXXX.
5- XXXX reached out to TD bank regarding my dispute and TD bank replied with the following statement : Our customer was a victim of fraud. TD bank then DELETED my account with XXXX, XXXX, and XXXX. ( Please see attachment 2 : Investigation Result from XXXX ) 6- I have official credit reports from XXXX XXXX XXXX, and XXXX and I do not see my TD credit card in any of them ( attachments 4, 5 and 6 ). I sent all this information to TD bank credit dispute department on XX/XX/XXXX so they can fix the issue.
7- TD bank replied with a letter on XX/XX/XXXX, saying that they found an error ( attachment 1 ) and they fixed it and I should be able to see my credit card on credit reports in less than 60 days.
8- After 130 days the error was not fixed, and I reached out to TD bank again and this time they replied saying : " they are reporting my credit correctly '' ( attachment 3 ).
9- After 150 days, I still can not see my TD credit card in any of the credit reports from XXXX , XXXX and XXXX . I called XXXX and they confirmed that they haven't received communication from TD bank to fix the error.
10- Also, as a result of not fixing the error, my secure credit card was not upgraded to a regular credit card and the XXXX $ initial deposit I made in XX/XX/XXXX is still being held ( I have zero late payments and my current score is very good being above XXXX ). I was charged the annual fee of the secure credit card in XX/XX/XXXX.
XXXX XXXX me a letter with the result of their investigation ( attachment 2 ). It mentions that TD bank deleted my account associated with TD card XXXX. As of now, all official credit reports from XXXX, XXXX and XXXX do not show my old or even my new TD credit card.
I have reached to XXXX many times and they said they can not do anything to show back my TD credit card because the deletion process was initiated by TD bank. They said they are currently receiving monthly statements from TD bank for my credit card but that will not be of any value because the account was already deleted. XXXX advised me to reach out to TD Bank and they also said that TD Bank Insertion Department can handle this situation. After I checked all other credit bureaus, I found that XXXX and XXXX do not show my TD credit card so I am convinced that TD Bank deleted my account from all three bureaus.
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| 09/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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As per the Fair Credit Reporting Act, 15 USC 1681 602 ( a ), there exists an imperative need to ensure that consumer reporting agencies fulfill their substantial responsibilities with fairness, impartiality, and a deep respect for the consumer 's right to privacy. Both XXXX, XXXX, and XXXX are recognized as consumer reporting agencies, and I am the Consumer in question. It is essential to note that I possess the right to safeguard my private information, a right firmly supported by 15 USC 6801. This statute unequivocally states that it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.
TD AUTO, in its capacity as a financial institution, is bound by this statutory obligation.
Furthermore, 15 USC 1681 604 ( a ) ( 2 ) specifically stipulates that " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' It is of utmost importance to underline that neither TD AUTO nor the consumer reporting agencies, XXXX, XXXX, and XXXX, have obtained my consent to furnish this information. Furthermore, they do not possess my written consent. I hereby formally revoke any and all consent, regardless of whether it is verbal, non-verbal, written, implied, or conveyed by any other means, to XXXX, XXXX XXXX, XXXX, and TD AUTO.
Additionally, it is vital to bring to your attention that XXXX XXXX XXXX ( b ) ( c ) expressly mandates that " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' TD AUTO never informed me of my right to exercise my nondisclosure option.
In accordance with 15 USC 1681c ( a ) ( 5 ), it is explicitly stated that " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' It is pertinent to emphasize that the account in question contains adverse items being reported without my consent, which is in direct violation of the law.
Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) explicitly dictates that " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' Additionally, 15 U.S. Code 1681e mandates that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports
to the purposes listed under section 1681b of this title. '' It has come to my attention that XXXX, XXXX, and XXXX are not maintaining reasonable procedures in this regard.
Lastly, I draw your attention to 12 CFR 1016.7, which unambiguously states that " A consumer may exercise the right to opt out at any time. '' Therefore, I am unequivocally exercising my right to opt out of your reporting services, effective immediately.
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| 12/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I purchased a new vehicle in XX/XX/XXXX from a dealership, who coordinated a loan with TD Auto Finance, which I used to finance approximately $ XXXX over 5 years for {$370.00} / month.
We made our first two payments in XX/XX/XXXX and XX/XX/XXXX via checks on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, we set up automatic payments and made an online payment for the month of XX/XX/XXXX. I was notified via email on XX/XX/XXXX that autopay was setup and would be effective on XX/XX/XXXX to cover the XX/XX/XXXX payment. Additionally, we received a letter from TD Auto Finance on XX/XX/XXXX notifying us that our auto pay was setup and that it would begin auto paying on XX/XX/XXXX and that this would continue until the final payment was due in XX/XX/XXXX, which would be a different amount that we would be notified of via mail.
TD Auto Finance never again contacted us via phone, email, or mail over the next 4.5 years. Every month I saw the {$370.00} deducted from our account and assumed that everything was processing as it should with the loan.
The next communication we received, 4.5 years later, was a notice that our final payment for {$440.00} was due, along with {$1600.00} in late fees for a total of {$1900.00} due. We had no idea what these late fees were for, nor did we ever know we were past due on anything.
I contacted TD Auto Finance on XX/XX/XXXX and was informed that during autopayment setup, they believed that a payment was missed and so every payment since then was considered late and was charged a late fee. I asked to speak to a manager and was told I would receive a callback in 24-48 hours. I never received a callback.
I contacted TD Auto Finance again on XX/XX/XXXX and spoke to XXXX XXXX who was eventually able to connect me to her manager, XXXX XXXX. I asked Ms. XXXX why I was never contacted about a late fee, and she told me that they had two bad phone numbers on my account, XXXX and XXXX. The XXXX number is a generic corporate number for a former employer of mine, but the XXXX number is not a phone number I have any affiliation with and I have no idea where they got it from. Further, she said that they do not use email at TD Auto Finance due to security issues, even though they previously notified me via email that my auto pay was successfully setup. She said they never contacted me by mail because they thought I did not want to be contacted after my online sign up for auto pay, which is obviously ridiculous to think I would not want to be contacted about late fees accruing over the course of 4.5 years.
Ms. XXXX did not offer any possible resolutions to the {$1600.00} in late fees and complete and total lack of communication by the company. Further, when presented with the details about our payment continuity through XX/XX/XXXX to XX/XX/XXXX, she just said that she had seen this before and we must have missed a payment, even though we have records showing the date each payment had been made, which makes me wonder if this is a regular practice of the company.
At this point TD Auto Finance been charging me late fees for what I believe to be their mistake and they let this continue for 4.5 years without ever attempting to contact me via communication channels that they previously used to get in contact with me. This is clearly an unethical business practice used to charge ridiculous fees that will not be noticed until a loan comes to its final payment.
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| 01/05/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On Friday XXXX, I got a phone call from XXXX ( when XXXX, first result is XXXX Verification Service Contact Information ) The first person I spoke with claimed to be the paralegal, and he filled me in on the details of an investigation against me and then transferred me to his manager overseeing the case who claimed his name was XXXX XXXX with the Badget Number of XXXX.
The story I was told is that there was a FBI/CIA investigation into various drug trafficking in Texas and Arizona where the suspects were using my social security number to set up various bank accounts with multiple credit cards all over the world. They suspected that the criminals had stolen my social security number and were using it for these criminal purposes, however, the SSN Department needed me to verify the funds from my bank account with the US Treasury Department to validate that the funds were mine. The way they were going to verify the funds was through the purchase of various gift cards. If I did not cooperate with them, they said that it would be unlikely that I could prove my innocence and that the charges would be filed against me for the crimes outlined above.
I was on the phone with XXXX XXXX for over 4 hours. First, I was told to go to my bank and secure my checking account. I drove to the bank with XXXX on the phone the entire time. When I arrived, he told me to withdraw most of the funds from my checking account ( as long as the total was less than {$100.00} dollars ). He told me what to tell the bank staff if they asked any questions about this unusual transaction. He then told me to put the phone on speaker, put it in my pocket, and go into the bank. I then asked the bank officer at my TD Bank to withdraw {$9800.00}. They asked me a bunch of questions, and I felt forced to cooperate with XXXX and answer their questions the way XXXX told me to, since I knew he was listening to the conversion. I felt forced to go through with the transaction, even though I did not want to do so. I live alone, and I did not mention this criminal trouble to anyone until after I followed through with all that XXXX was telling me to do.
I then went to XXXX XXXX with XXXX on the phone. When I got there, he told me to purchase 4 gift cards for {$500.00} each. I had additional phone conversation on XXXX XXXX, and was forced to buy additional gift cards. XXXX started texting me as well as calling XXXX texting number : XXXX ). At one point, I was then transferred to a XXXX XXXX with badge number : XXXX who said that they had issued me a new social security number but it was on hold and that they needed to verify my credit card before they could issue me the number. Eventually, I was forced to buy additional gift cards as follows.
- XXXX : 10 Cards, {$250.00} each - XXXX : 4 Cards, 3 with {$1500.00} each and 1 with {$800.00} ( to finish filing the {$9800.00} ) - XXXX XXXX : 4 cards, {$500.00} each - XXXX : 1 card, {$1500.00} - At XXXX XXXX XXXX : 4 XXXX gift cards for {$500.00} each ( initially 6 cards for {$3000.00} but the store manager reduced the limit to {$2000.00} ) - At XXXX : 4 XXXX gift cards for {$500.00} each - XXXX : 3 Cards, {$1500.00} On Thursday XXXX, I called my parents in Massachusetts. They told me I had likely been the victim of a scam and to report these incidents to the police, my bank and my credit card company, which I then did. The bank has not provided any relief or recovery.
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| 12/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On Mon. XX/XX/2021 at appx. XXXX I was purchasing a mobile cell phone on XXXX XXXX official website. There was an option to buy it in full or choose a payment plan. I chose a payment plan and the next screen asked for my personal information for XXXX financing. Nowhere did it mention I was applying for a Line of Credit or CC or that they would pull a Soft or Hard inquiry to my credit report. In fact, the previous screen showed verbatim " this will not impact your credit score ''. After submitting the page with my personal information, the next page showed the last 4 of an acct. # with XXXX XXXX card services, and a " credit limit '' of {$4500.00}. At the bottom of the page it said Submit Order. Around that same time, at XXXX, I received an email notification from my bank ( XXXX ) that my credit report had been viewed by someone and my score was impacted XXXX points. When again, XXXX 's website said my XXXX XXXX wouldn't be impacted. I was also alarmed by the line of credit reflected on this screen before submitting my order. As again, there was no disclosure stating I was applying for a Line of Credit or CC. So I closed the browser window and never submitted the order. Unfortunately I hadn't had the chance to screenshot the pages but thought XXXX could help me address this.
I used XXXX 's chat feature through their website that same night at XXXX to ask. After explaining, the chat agent said they'd connect me to a higher tier. I was placed back in que until XXXX, it said an agent was connected to me again, and this agent said let me connect you to a supervisor. A supervisor was connected finally and said it's the XXXX dpt. and provided a #. I called that exact # and was told it was the XXXX XXXX #, they couldn't help me, I need the XXXX XXXX. and transferred me to them. XXXX said it wasn't them, they only deal with processing orders, they said I needed XXXX dpt. which is what the chat agent promised me was that # in the 1st place. So Ecommerce transferred me to what they said was XXXX XXXX and an agent from TD retail card services said XXXX, don't work for XXXX, they're simply the bank XXXX uses and she couldn't help, that I had to resolve the Credit pull/complaint through XXXX 's ... XXXX DEPARTMENT. I told her that's why I was transferred to her, because XXXX said this was their XXXX XXXX.! She said again, we don't work for XXXX, you have to go through them. I said there weren't accurate discolures to open YOUR acct. however and she said that's something to dispute with XXXX financing and/or if they have a complaint/compliance dpt. which I also can't find or get a hold of. I tried to find either of those through XXXX more channel with XXXX which is a text option. " Text with a XXXX XXXX '' they call it. I tried that today, XXXX. XXXX XXXX 2021 at appx. XXXX and had to go through an agent to their manager who said they couldn't connect me to either of those and the agent XXXX said she couldn't provide a # to corporate " at this time ''. I asked why not and no reason was given, just a sorry for your inconvenience.
So an endless loop where I can't resolve the issue with the direct XXXX ( XXXX or TD retail card services, who are the ones that show as the company that pulled the credit report ).
I have transcripts of the chats and texts and call logs from my phone showing XXXX and longer calls with several different XXXX department/customer XXXX XXXX XXXX XXXX
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| 12/31/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
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|
Web |
|
|
Upon escalating with TD Retail card services, I received a letter stating that they would credit the {$38.00} late fee but would not credit the second late fee of {$27.00} ( assessed because tge first late fee wasnt paid and shouldnt have ever been assessed ). This is an unfair consumer credit practice and should not be accepted. Please see details below that I provided to the company : On Tuesday, XXXX, I contacted TD Retail services and have documented the multitude of employees I spoke with beliw after being on hold for nearly 1.5 hours. I received a letter in the mail earlier that same day stating that my account was past due. I have not made any late payments to your company, as I have consistently made my required monthly payments on time opening a credit account with you earlier this year. I have a repeating payment set up in my XXXX XXXX online banking for {$190.00} each month to ensure my account is properly paid on time by the XXXX of the month. Upon talking with XXXX originally ( see contact attempt details below outlined from my XXXX calls ), he informed me that the XXXX, XXXX payment wasnt received until XX/XX/XXXX and hence, thats why the first late fee was assessed. I have evidence in my XXXX XXXX checking account ( see attached ) that my XXXX payment was delivered to you and posted to my checking account on time on XX/XX/XXXX. A late payment fee should not have been assessed to my account. Because I had no knowledge of this ( no phone calls or correspondence ), you then assessed another late fee in XXXX, XXXX because the late fee from XXXX wasnt paid.
XXXX : Attempt # 1 : I contacted Online customer service and spoke with XXXX. Upon reviewing my account and me explaining my issue as outlined above, he explained he had to transfer me to XXXX in Customer Service.
Attempt # 2 : I explained my issue again to XXXX and she, very kindly acknowledged my issue and told me that she would be willing to credit back one of the late fees that was assessed to my account. I have checked my account online as of this morning and see no credit whatsoever. Because she couldnt credit back the other late payment, she transferred me to a supervisor.
Attempt # 3 : I was on hold for several minutes ( approx. 15-20 ) and when a manager finally answered, he disconnected the call upon beginning his introduction.
Attempt # 4 : I called Customer Service XXXX XXXX XXXX again and spoke with XXXX where I had to explain my entire issue for a third time. She said she saw in the notes that one of my late fees was being credited back and explained that she would have to transfer me to a supervisor to further assist with getting the second late payment credited back.
Attempt # 5 : I waited on hold for approximately 70 minutes to be connected with a supervisor. After close to 2 hours on the phone in an attempt to get this resolved, and finally had to disconnect to care for my children. This is completely unacceptable.
I am thoroughly disappointed with the level of customer service that they have provided. With COVID-19, my family is financially strained. However, I have continued to make my payments on time to this company. These late fees should not have been assessed and I am again requesting that they both be removed from my account. My credit also should not be affected due to this being an error on their part.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
|
| 08/18/2015 |
Yes |
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Web |
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I took a store card and placed household and food debt on it expecting to pay when I got my job in a new state, never expecting to encounter age discrimination in that city/ state. ( Yes, I did submit XXXX complaints to the EEOC about these XXXX discriminating companies, and they seem to be following a recent business trend to only hire millenials vs. people in their XXXX+ years of age. I did a bit of research on the topic and found XXXX circulating some hiring practices indicating this concept. The ads from those XXXX companies, I found later indicated XXXX on the online job site, which showed me why I kept being ignored and rejected each time I applied each time they requested to hire at the store. ) So I fell a bit behind on my cards, this XXXX I am writing about =Target and another XXXX that I am actually paying monthly because I still have access to my online account.
But the Target one has been quite difficult to pay. I used to have access to my account online but when I fell behind, it was closed to me. I no longer had access to pay this card XXXX from my home. I was forced to go to the store in person. I wrote several Emails to the CEO himself telling him that not having access to the online payment option was making it hard for me to pay my card off. ( and easier for me to get charged late fees, etc ... ) When I had access to a car, I managed to go to the store to pay. I had placed my cards in the closet because I was not using them anymore- so I had to have my card or statement with me to pay at the customer services. So I would go back home and get this information, more delays. Not having access always to a vehicle, I wrote many times indicating to the store executives that I wanted access to my online account. I found later that I could call in the payment without charge, so I did. After having had success to pay the store on the phone and at the store with the card/ statement, things got hard once more. At the store, my debit card is no longer a card that I can use, they told me, because of their " new system ''. (??? ) So now I have to go and get cash to pay. And on the phone, I have been told that their " system '' is down, when on the phone with them. : \I made sure and wrote the CEO each time I found obstacles towards making an earnest payment to my account to let him know about the issues I was having.
These obstacles have made paying this card no short of a career- when I am trying hard to find employment. It should not be harder to pay my debt than it is to buy something at the store.
I got fed up with the store policy when I called them to indicate that I am earnest in trying to pay my bill, but continue to find obstacles. At that last phone call, they tried to get me to settle on an amount if I could pay XXXX times what I had been paying, for me it is what I can afford given my circumstance at present.
I told them I would try and made a payment of the amount I was accustomed in this circumstance. The next thing I knew I received a slip in the mail indicating that a collection agency was now in charge when I was making payments monthly.
( except for those months when it was hard for me to make XXXX due to their end ) This is what I wanted to write to you about. Had my online access to my original account remained available for me to make payments then I would be paying and reducing my amount of debt as I am on my other card. : \
|
| 04/14/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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MY BALANCE WAS LISTED AS A CHARGE OFF BUT WAS PAID IN FULL I had traded-in a XXXX XXXX XXXX phone in XXXX for a XXXX XXXX XXXX through XXXX I sent in the phone, which worked but had a big crack on the top left corner of the screen. When I did the trade-in, XXXX initially gave me a {$250.00} credit toward the purchase of the new XXXX phone, which was {$1000.00}. That amount was paid immediately and in FULL. Then they reversed the {$250.00} credit and said the phone didn't work. I spoke to a supervisor and requested that they have someone else re-evaluate the phone, and they did. After the last evaluation, they stated that the phone worked but had a cracked screen, so they had to adjust the credit from {$250.00} to {$100.00}, with me owing {$150.00} based on the adjusted balance.
In the interim, I was billed {$250.00} by TD Bank DBA XXXX XXXX. In XX/XX/2021, I was told by XXXX XXXX XXXX, NOT TD Bank doing business as XXXX XXXX, NOT to pay the {$250.00} balance because it was incorrect and that they would send TD Bank DBA XXXX XXXX an adjustment with the new balance of {$150.00}. They also said the new {$150.00} would show up on my statement in 2-3 billing cycles. I did as they said until I received a bill from TD Bank DBA XXXX XXXX for $ XXXX AND a collection agency called XXXX XXXXXXXX XXXX for {$150.00} in the same week in late XX/XX/2021. I filed a dispute with BOTH companies and contacted XXXX XXXX and informed them of the situation. I was again instructed by XXXX XXXX NOT to pay the balance from TD Bank DBA XXXX XXXX because the amount was wrong, and the actual amount owed was from the XXXX collection agency. When I asked why it went to collections, I was told by a supervisor at XXXX XXXX that they had a problem processing my credit card payment of {$160.00}, which was the {$150.00} owed plus {$10.00} tax. I was also told by XXXX XXXX that they would notify TD Bank DBA XXXX XXXX that the balance they had been billing me was incorrect.
So I paid the {$150.00} from XXXX that same day as instructed by XXXX XXXX. In the interim, TD Bank DBA XXXX XXXX rejected my dispute and said that I still owed them the original balance plus interest and late fees, which was almost {$500.00}. When I filed my dispute with TD Bank DBA XXXX XXXX I told them that they were supposed to receive an adjustment from XXXX XXXX for {$150.00} I was told by someone at TD Retail Card Services ( part of their collections division ) that they had NOT received an adjustment. They then sent me " proof '' that I still owed the almost {$500.00} balance. What they actually sent was the adjustment statement I was initially told they had never received.
When I tried to file another dispute with this new information, I was denied and told that I could not and that no one would talk to me. I was told that I could email them, snail mail them, or fax them any information I had. I did all three, and every email I sent bounced back, and they never replied to my snail mail or faxes. Instead, in XXXX of XXXX, I received a call from another collections agency called XXXX XXXX XXXX. After speaking to the manager there and sending him the same information I'd sent to TD Bank and TD Retail Card Services, he agreed that the balance was indeed PAID IN FULL and that the debt was NOT OWED. But TD Bank DBA XXXX XXXX NEVER took the debt off of my credit report ; instead, they listed it as a charge-off.
|
| 08/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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I entered into a payment agreement for a mobile phone with TD Retail Card Services. Because TD Retail Card Services doesn't accept direct electronic payment from my bank, XXXX XXXX instead mails check payments via USPS in the amount of {$32.00} from my checking account to TD Retail Card Services as part of a scheduled payment. This monthly service was performed on the date of XX/XX/XXXX. This payment was due on XX/XX/XXXX. I was not made aware until several billing cycles after that period that the XX/XX/XXXX payment was claimed to have arrived late.
Normally this late payment communication from TD would have occurred via USPS mail. I received no such mailed notice - the reason will be made clear below. When I finally became aware, I was already accruing fees resulting from the claimed late payment. In the subsequent months I made numerous phone calls to resolve this issue that were unhelpfully dismissed by TD representatives.
It wasn't until XX/XX/XXXX that I was finally made aware by a TD support representative that TD had no longer been sending me communications via USPS mail - thus I did not have a chance to get a claimed late notice. According to the representative a prior mailed item had been returned to them as it had been delivered to an incorrect address. As a result, and without alerting me, they decided to no longer send communications via USPS mail. This representative also made me aware of a billing dispute form which I faxed to TD the very next day, XX/XX/XXXX. Attached to the fax was a copy of my XXXX XXXX account statement for the period in question with a line item circled to indicate the payment as having been deducted as scheduled and on time : XX/XX/XXXX. I also confirmed my mailing address with that representative, so I am now receiving monthly notices of claimed fees owed, at this point in the amount of {$180.00}.
According to their dispute policies, TD Retail Card Services states that they would mail their decision regarding the billing dispute within 15 days. They claim under the Fair Credit Billing Act that my dispute submission would need to take place within 60 days after the incident. Which as described above was not possible due to TD no longer mailing me late payment notices - or mailed notices of any sort.
As I had not received any mailed notice regarding the billing dispute I followed up via phone on XX/XX/XXXX. Over 3 months had elapsed after faxing in the dispute form. The representative told me at that time that they had received the form and I should wait about another week for that USPS mailed response.
As of today 's date, XX/XX/XXXX, I have still not received a response. I made another call around XXXX to once again inquire about the dispute form resolution. I was told this time that the representative could not find record of receipt of the faxed dispute form. I have attached a fax receipt confirmation to prove that my fax was sent and received. The representative was unable ( and not allowed ) to connect me directly to the dispute department.
At this point I'm convinced continued attempts to communicate through standard methods will be equally fruitless. In the meantime they not only continue to mail me owed fee notices, but they also make claims of late and/or unpaid payments to the credit bureau unfairly damaging my credit. As a result, my credit score has dropped significantly from its prior level.
|
| 06/21/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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|
Web |
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I am resubmitting a complaint I sent in on XX/XX/2022. The complaint should be sent to TD Retail Card Service. The contact number is XXXX and their address is listed in the body of this complaint.
I am complaining about the poor experience in the aftermath of purchasing a sofa at XXXX XXXX XXXX on XX/XX/2022. I purchased a sofa from XXXX XXXX XXXX on XX/XX/2022. I applied for a XXXX XXXX XXXX store credit card which I was approved for and I believe the creditor is TD Retail Card Service; Customer Service; XXXX XXXX XXXX ; XXXX SC XXXX. The next day I decided that I no longer wanted the purchase because the furniture is not in stock, there is no scheduled delivery date, and despite this they wanted me to start paying on the furniture without having any idea or promise date of when it was going to be received. The purchase agreement says warehouse stock orders may be cancelled within 24 hours. My purchase was not stocked in the warehouse so based on my interpretation of this agreement this did not apply to me. I contacted XXXX XXXX XXXX on Tuesday XX/XX/XXXX and spoke with the sales person XXXX XXXX and let her know I wanted to cancel the purchase. She told me that cancellations were not allowed, bit she would speak to her manager and get back to me the next day. She did call me back the next day and she told me that i could not cancel. I explained that agreement does not say I can not cancel. I explained that the way I interpreted this agreement it read that warehouse stock orders could be cancelled in 24 hours and since this not a warehouse stock order I should be able to cancel this order since it is not in stock, hasn't been ordered, or scheduled for delivery. She told me that it was a warehouse stock order. I explained that this item is not in stock in any warehouse right now and I do not have delivery date so I am asking you to cancel something that you haven't ordered for me yet. I told her I interpreted the agreement differently. I hung up with her and contacted the manager of the store, XXXX. I explained to XXXX that I wanted to cancel and I gave him the reasons why. He also told me that I had to do it within 24 hours. I explained that technically I was notifying the store within 24 business hours because Sunday was not a business day and Monday the store was closed. I told him the only reason I did not contact you on Monday is because you were closed for business. He stated Sunday was a business day for them and although the store was closed on Monday, people were still there so I could have called on Monday. While trying to explain to him my interpretation of the agreement he hung up on me. I wasn't expecting him to be nasty and rude about this, but it was at this point that it became clear what type of business I was dealing with. I contacted the number on the back of the credit application, spoke with a person named XXXX and requested that she cancel the XXXX XXXX XXXX Credit Card. I will not be doing business with them. I do want their couch or anything else from them. I will not be paying for a purchase that I will not be receiving. The bottom line is that the purchase agreement can be interpreted more than one way. I do not want the sofa so i am voiding the agreement with XXXX no payements will be made toward this because I am not accepting receipt of the merchandise. Shame on XXXX XXXX XXXX and their XXXX customer service skills.
|
| 11/15/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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On XX/XX/2020 XXXX XX/XX/2020 XXXX, I'd received a strange text alert. The text appeared to be from my bank ( TD Bank ) that said that there had been fraudulent activity on my account. It stated that a transaction of {$450.00} had been attempted at a XXXX XXXX, and to reply Y if I recognize it, or N if I did not. I ignored the text because I did not see any funds come out of my account, but then I received 2 calls from the TD Bank identity theft number, which was XXXX. I became uneasy, because I recognized that number to be from my bank. This prompted me to reply " N '' to the text alert, and soon after the TD identity theft number called me again. When I picked up, the man sounded like a representative of TD bank, and he asked me if I recognized this transaction of {$450.00} made at a XXXX XXXX in XXXX, Georgia. I said that I did not recognize it, and then he told me that my account had been compromised, and that I will need to transfer all of my funds into a new account and close this compromised one. I agreed, and he asked me for the last 4 digits of my social security number to confirm my identity. I believed he was a representative of TD bank, so I gave him the last 4 digits. He then used those numbers to get into my account and transfer {$2500.00} out of my account and into his account via XXXX. I was receiving text alerts and confirmations from XXXX about the transfers, but I didn't question them because I believed that the funds that were being transferred were going into a new account under my name, not the scammer 's. After it was all said and done, he said that the police will be investigating my account about the fraudulent activity, and that I shouldn't access my account for 24-48 hours to " allow for a proper investigation from the police ''. That was when I realized what had happened. I immediately went into a TD Bank branch and told them what had happened. I pleaded and asked if anything could be done to stop the transactions, as they were all still pending at that time. The representative told me that I could not do anything to stop the transaction if it is pending ; I must wait until it posts and then dispute it. After I had gotten home from TD Bank, I contacted XXXX and told them the entire story, and the account that the scammer used to receive all of my money ( XXXX XXXX. I asked if they could freeze the fraudster 's account so that they could not receive the money, but they just redirected me to consult my bank regarding this issue. Feeling helpless, I just waited until the transfers officially posted, and then I went back into a TD Bank branch on XX/XX/2020, and officially filed an ACH dispute on the {$2500.00} worth of unauthorized transactions. 2 weeks had gone by, and on XX/XX/2020, I received mail from TD Bank, stating that they examined my case, and found that an " error did not occur ''. I don't believe this was a fair decision, as I was under the notion that I was transferring the money to a safe account, and I also believed that I speaking to a TD Bank representative from the identity theft department, since he was using the number and speaking like a representative of the bank. I am aXX/XX/XXXXXX/XX/XXXX, and that was all the money I had for books, supplies and materials. I am feeling helpless, angry and confused at this decision, and I am hoping that I can gain the money back that I was wrongfully scammed out of.
|
| 02/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
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TD Bank Mortgage is accusing me of being in bankruptcy. My monthly mortgage statements contain the following notice : " Our records show that either you are a debtor in bankruptcy or you discharged personal liability for your mortgage loan in bankruptcy. '' Neither of these accusations is factual. I brought this error to the attention of TD Bank and filed a CFPB complaint ( XX/XX/XXXX CFPB # XXXX ) raising this specific issue. In their CFPB response, TD Bank agreed to correct this error. Although TD Bank demanded a generous timeframe to address this issue, they have done nothing to correct this error. It has been over eight months since I raised this new issue. Nothing!
I am not in bankruptcy and have not been involved in any bankruptcy proceedings since XX/XX/XXXX. My personal liability for this mortgage with TD Bank was not discharged. My liability has never been discharged for any mortgage. Over the last three years, I have made repeated requests for TD Bank to correct their records. To this day, TD Bank has not corrected their own records and they are still accusing me as noted above.
In early XX/XX/XXXX, TD Bank began accusing me of being in bankruptcy. They locked me out of my mortgage account, stopped sending my mortgage statements and destroyed my credit. TD Bank refused to speak to me until I filed my first CFPB complaint. TD Bank later took punitive action against me by attacking my credit profile. They added negative remarks to my credit profile, which they knew ( or should have known ) by regulation to be greatly outdated. It took two years and multiple complaints & credit disputes for TD Bank to correct the worst of the errors in my credit profile. For two years TD Bank unfairly prevented me from opening new lines of credit. Although the TD Bank portion of my credit profile still does not accurately represent my excellent payment history, I have not raised that issue lately because of the risk of further retaliation. At this time, it is most important that TD Bank stop accusing me of being in bankruptcy.
Over the last three years of mortgage mismanagement, TD Bank has blamed inaccurate dates, incorrect coding, and TD Banks failure to correctly enter XX/XX/XXXX reaffirmation agreement information as causes to accuse me of being in bankruptcy. They have acknowledged the errors and agreed to fix them. But, they either never make corrections or they make additional errors instead of corrections. In TD Banks response to this complaint, I expect, they will again dredge-up outdated information about my XX/XX/XXXX bankruptcy, implying that this old info is relevant today. It is not relevant in servicing this mortgage in the present. An XXXX year old bankruptcy does not give them the right to accuse me of being in bankruptcy now.
These errors in TD Bank records have been brought to their attention a long time ago. No matter how TD Bank spins this complaint, there is no excuse for known errors in my TD Bank Mortgage files to have gone unfixed for so long. There is no excuse for TD Bank to be accusing me of being in bankruptcy.
In the above mentioned CFPB complaint ( XX/XX/XXXX CFPB # XXXX ) into this error, the TD Bank response letter contained contact info for XXXX XXXX and Mr. XXXX. I made multiple attempts to contact each of them. Neither employee would accept or return my calls. Everything in TD Banks responses is just for show.
|
| 09/24/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
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I noticed there was a TD bank new checking account promotion online which is {$300.00} bonus for opening a premier checking account and complete the requirements at XX/XX/XXXX.
But when I wanted to open premier checking account online, I met some issues with identity verification several times, could not open premier checking account online successfully.
So I went to the nearest TD bank store at XX/XX/XXXX, and met the assistant store manager XXXX. I told her the verification problem when I wanted to open checking account online and get the promotion bonus, then I asked her if I could get this promotion bonus by opening premier checking account in store. She said Yes, you can!
She told me the account must receive direct deposits totaling {$2500.00} or more within 90 days of account opening. If I have completed all of the above requirements within the specified timeframe, my account should receive a credit for {$300.00} no later than 125 days from the account opening date.
Then I opened premier checking account at the branch with her help, she printed the promotion details and gave it to me as a confirmation. Right now I have already completed all the requirements this promotion requires.
When I completed all the requirements, I called them at XX/XX/XXXX asking when, they did not say my account would not qualify, they told me once I complete the requirements I should wait. After several days, I sent secure messages via online bank to ask when I will get the bonus at XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX and XXXX who are TD Bank On-Line E-mail Specialist also did not say my account would not qualify and just told me once I complete the requirements I should wait.
The time when I opened this premier checking account was XX/XX/XXXX, and XX/XX/XXXX was the 125 days from opening date, I still did not receive my bonus, so I called TD bank yesterday telling them why I still did not get bonus, they said they would contact promotions department to find out why the account has not received a promotional bonus of {$300.00}.
Then I sent a secure message using online bank asking why I still did not get bonus, XXXX, the TD Bank On-Line E-mail Specialist replied they are reaching out to their promotions department to find out why, and I receive their reply this afternoon.
They said Upon review, this account was opened in the Store. The only promotions for accounts opened in the store at the time this account was opened was our XXXX XXXX offer. In order to qualify for the XXXX XXXX campaign, the Customer must have received a mailer and the name and address on the mailer must match the name and address on the account. The offer was not transferrable. Upon review, I do not see the customer received a mailer. Unfortunately, the account would not qualify.
This is totally ridiculous, the assistant store manager XXXX told me I could get this promotion by opening account in the store, she printed the promotion detail, gave it to me as a confirmation, and then I completed all the requirements. But right now TD bank thinks my account does not qualify, and they have not answered my question vie online secure message for more than 3 days which they said they will reply with in 24 hours.
What Im thinking right now is that TD bank just does not want give me the promotion bonus as the terms advertise and say.
Americans most convenient bank? I truly start to doubt.
|
| 03/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Older American |
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TD Bank Credit card was giving me 3 % rewards on a simple cup of coffee for the last two years. Each and every time, according to my credit card ( CC ) statement it showed the date, time, 3 rewards points ( the cost of the coffee was {$1.00} ) AND THE CODE IT WAS FILED UNDER namely " gas purchase " since it was from a XXXX convenient store. Here is an example straight from my CC statement XX/XX/2020 XXXX # XXXXXXXX XXXX XXXX Gas Purchase {$1.00} 3 That was the way they did it ever since I received my C, namely about for the last 2 years.
After XX/XX/XXXX of this year they now have changed their policy to giving 1 %.
I have called the customer department, who switched me to the rewards department from which I asked to speak to a Supervisor.
She indicated that the code the merchant was reporting the transaction had changed from *dining* to *gas purchase* ( which was, as you can see, untrue ) and that I was not going to get the 3 % which I had been getting for two years because of this change in the " code '' they used. I asked for the code and she simply said it was now reported as a gas purchase, which was only rewarded at 1 %. When I asked her to look at my CC statement for the last two years she said she was unable to in the rewards department. I then tried to inform HER that what SHE was telling me was INCORRECT. She simply repeated herself about changing the code from dining to gas purchase two more times. Again I tried to tell her that what she was telling me was simply untrue and all she needed to do was check my CC statement. ( That turned out to be a big mistake because although I never changed the tenor/character of my voice she called me rude for correcting her. I simply started to say I was simply repeating to her what she said to me when she said " I was wrong '', at which point she hung up on me but not before I got angry with her and called her a nasty name for cutting me off for no reason ).
Here is what each subsequent reward ( NOW CHANGED TO 1 % ) looks like on my CC statement XX/XX/2020 XXXX # XXXXXXXX XXXX XXXX Gas Purchase {$1.00} 1 The 3 in the first instance as well as the 1 in the second instance was the report of how many rewards points I was accumulating. THE GAS PURCHASE code has never changed throughout the entire situation!
The bottom line after more than 5 calls to TD both rewards and customer service, to both first line employees and supervisors, was that I was dealt with very rudely, cut off in the middle of my explanation and, while simply asking them to review the statements that they sent me where the PROOF OF THIS CHANGE EXISTED, I have received no satisfactory answer to why the rewards changed for the exact same item at the exact same place of business.
I of course followed up by going to XXXX where I bought the coffee but they ( The XXXX Merchant ) had no idea of what sort of code she was talking about. My intention was to get from XXXX the APPROPRIATE CODE so they would change the way it was reported ( since this was the ONLY EXPLANATION TD GAVE ME ) so that they ( the XXXX Merchant ) could change it back to the way it had been for the last 2 years or more. But XXXX had no clue as to what TD was referring.
Being XXXX XXXX and using a XXXX card when I drive, which is rarely, I found this to be too difficult a task to complete on my own, so I am asking the CFPB for help. Please help me.+
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| 04/02/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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Lets be clear that I've NEVER been late to submit ANY payments to this company, Now comes this month they stated that my payment did NOT go through and there for I was under collection etc...
I called and they did NOT provide me with any explanation as to why my payment didnt go through instead of trying to figure why it didn't go through or what the problem was, all they did was rush me to make a payment. I'm certain they sent me to there collection department.
I was so upset, because i've been utterly careful to pay EVERYTHING on time and if you check my credit report you can see that I have paid everything on time.. so after figuring out that my monthly payment hadn ; t gone thru I had to call for answers, but I also took action and setup a payment, I made a payment from my XXXX to make FULL payment of the entire account over {$1200.00} .. the target card collections department phone operator which was the one I was talking to, rush me to instead of making the payment I had setup with the website to make a phone payment with her, I told her that I didn't want any bad reporting on my account to the credit bureaus since I didn't do anything wrong, and they didn't even provide me with a reason as to why my payment didn't go trough. The lady on the phone, Target Card Collections person assured me everything was fine so long I made my payment with her, so she cancelled my payment I had made on the website and took my information and ran it i guess to assure I had enough funds in my checking account which I do, during all this time and as of now I have over {$29000.00} on my checking account. Now, she gave me my confirmation number : ( XXXX )... I've been waiting for my account to drop to zero which it had the day after payment, but my credit avail was XXXX out of {$1300.00} my credit line. I log in today at 3 am XX/XX/22 and I see that it says that my account is PAST DUE, I have return payment OF {$29.00} i dont even know if this is from the payment the lady took over phone or the previous one I dont know.. But the point is that I dont know what the Target collection lady did on the phone, she cancelled my payment took a new payment and now im back to this again, I care too much about my credit. I was willing to pay me entire balance.. and they continue to have issues with my account. I want them to fix there issues and to assure me that my account will not be " LATE '' or have in any way and negative issues reported as I've done NOTHING wrong. I have double checked and tripled checked account numbers routing numbers balances on my checking and I called XXXX XXXX to see if they had declined something and they didnt.
what is going on here?? why can't I pay my bill, why if I've never had any issues paying my account, now all of sudden you have issues with me paying minimum payment or the entire payment. This is NOT acceptable, they do NOT want us to pay at the store nothing works here? what can i do, they " Target Card Services '' has not been able to help me or fix any of my issues. I'm no deadbeat, I want to pay them in full, I dont want any negative reporting of my account. more so since I have done NOTHING wrong. You can even see that I made a payment on my account snapshot, it shows it posted you guys have either computer issues on your payment system or your collections operator made mistakes when dealing with my account.
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| 10/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX XXXX : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively XXXX My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : XXXX Fair Debt Collection Practices Act : XXXX : //www.ftc.govXXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX ACCOUNT # XXXX I apologize for the confusion on my original dispute. The truth is that there are issues with every negative item on my credit report. The reason is because I am not the authorized responsible party on any of the previously posted disputes. Therefore, I request the following procedure for the above posted creditor : 1 ) Please review who the responsible party is on the credit tradeline.
2 ) If I am only an authorized user, then the tradeline on my credit, and the corresponding collection will also need to be permanently deleted.
3 ) I must be given notice that a release of responsibility has been sent to me in written form for my records.
4 ) I have full appreciation to the CFPB for your great help in this matter.
5 ) The above referenced account and/or collection must be deleted. The responsible, if any would be my husband, who was only trying to help his wife establish credit. It did not work out as planned.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 11/05/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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I applied for & was approved for financing through TD Bank for the purchase of furniture at XXXX XXXX XXXX on XX/XX/XXXX. My application was made using my current mailing address which was shown on the original credit application. My drivers license was submitted with the application ; and, the furniture was delivered to my address as shown on both the application and driver 's license.
I did not receive any written communication or requests for payment from TD Bank at any time from the credit application date, delivery date or in the months immediately following. I did not realize I had not received any bill for payments due for this furniture. I had made other furniture purchases around the same time & was making payments each time I received those bills. In early XXXX, I received a call demanding payment to bring my account current. After a XXXX of follow up calls to TD Bank, I learned that a previous address was in the banks system & appeared to be where the bills were being sent. This previous address that bills were being sent is an address I had lived in since late XX/XX/XXXX.
Eventually, I was able to have my account corrected with a TD Bank rep over the phone to reflect the address shown on the initial credit application & to which the furniture was delivered. And, on XX/XX/XXXX, I made a payment of {$430.00} by phone to bring my account current. During this call, I requested that the late fees charged to my account be reversed. I made this request because TD Bank was sending bills to the wrong address, & not due to any error or delinquency on my part. I called again to request the reversal of late fees on my account and was advised that my request was under review. I was told that I would receive a call with the decision from someone at TD Bank within a couple of days. I did not receive a call.
On XX/XX/XXXX after making a payment, I requested a reversal of the late fees again & after a long period of time on hold, XXXX communicated that my request was denied. The reason given for this denial is that TD Bank sent bills to the address on the credit application. I was told again that my application showed my old address in XXXX.
The attached credit application refutes that claim. This application was provided directly from XXXX XXXX XXXX upon request. The address on the credit application is my address & not the address TD Bank claims was captured at the time credit was applied for and granted. The credit application, my drivers license & the delivery address all reflect my address. The XXXX address that TD Bank claimed was on my credit application had not been my address in over XXXX XXXX & would not have been entered on my credit application.
I am requesting the reversal of all late fees applied to my account before the XX/XX/XXXX payment of {$430.00} applied on XX/XX/XXXX ( I believe that amount is {$120.00} ). I did not receive any bills in the mail prior to the phone call in XXXX, but within XXXX of the call demanding payment I responded by bringing my account current with TD Bank. Unfortunately, it seems TD Bank applied an old address to my account & was sending bills to that address, and not the address on my credit application.
On XX/XX/XXXX, TD Bank sent me a letter notifying me that my request was denied because 'We received your inquiry and concluded that a billing error did not occur '.
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| 05/11/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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On XXXX XXXX 2017 I applied for a standard unsecured personal line of credit. The amount they indicated was {$50000.00} which is n't an especially large amount by any means. There were multiple problems, glitches when I was attempting to submit the application. After submitting it I was given information to follow up and at a later time told that I would be given a call to follow up on my application. I never received that phone call. I subsequently also wasnt given the follow up indication of the decision regarding the loan application. When I called they indicated numerous inconsistencies according to what apparently their systems were indicating I had submitted on the loan application to begin with. I 'm potentially mathematically and otherwise thoroughly overqualified for a line of credit of {$50000.00} in addition to my credit score. They then said they couldnt determine employment despite it having been indicated when I applied and stated that I was a sub account holder for a credit card line which the last time I checked is far from a disqualifying factor. I provided them substantial additional information during that phone call. During one of my p hone calls with them it sounded as though there were possibly a cyber problem with their own systems which wouldnt be the first time regarding my banking. There have been multiple previous incidents with XXXX XXXX XXXX for instance. Additionally its likely worth noting that there is an ong oing Office of Inspector General investigation among other things regarding sev ere UCMJ, inte rnational law violations, formally admitted destruction/tampering/falsification of records by a local police chief at a minimum, all of this regarding my XXXX XXXX ex girlfriend who 's father is a former XXXX XXXX XXXX XXXX XXXX . Both of them have bragged and taunted that they killed my dog, members of my family, attempting to defame me, greyball me within finance, among numerous other things. They have stated that they have made it their pet project using a lot if not all of their political and other resources to cause egregiously illegal problems with my life. They are largely idiots and incompetent practically speaking from their demo nstrated work, primarily relying on others to do the actual work for them. Upon calling again later to check the status of the application after submitting the new information so that it was a more close to correct application, the woman ostensibly from td bank stated that my application was denied. She however said that NONE of the information I had submitted was in the application. She also muttered something under her breath which was potentially defamatory or would imply illegal discriminatory practices regardless making it indefensible. It seems that at a minimum something is severely incorrect, theres negligence if not something criminal occurring here. Additionally I received credible threat intelligence regarding a deep interest that would attempt to interfere with transactions if I ope ned a td XXXX investment account. Please investigate and pursue this to the fullest extent of the law. Please ensure that I 'm allowed true and fair lending, financial services, and when somebody is potentially a modestly overwhelming value proposition that the markets function as the law of financial incentives requires.
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| 11/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This is a case of identity theft. Someone fraudulently opened a retail credit account with XXXX XXXX in my name. I was already on alert because someone had previously attempted to open a similar retail credit account with XXXX in my name, but I was already a XXXX XXXX XXXX XXXX customer and they correctly identified that the new account request was suspicious and contacted me for authorization.
XXXX 's retail credit arm, operated by TD Bank, failed to flag the request as suspicious and opened the fraudulent account in my name. Thanks to active credit monitoring, I was rapidly alerted to the new account as soon as it was opened.
I immediately contacted XXXX XXXX XXXX TD Bank to report the fraud. This was difficult because the contact information for the creditor shown on the credit reports is not accurate. The contact information shown on XXXX credit report is a non-working phone number. The contact information shown on the XXXX and XXXX credit reports is TD Retail Banking, which is a different division of TD Bank and can not assist with XXXX XXXX accounts. None of the three credit report agencies accurately reports the correct contact information for the creditor of the account on their credit reports.
Never the less I was able to track down the correct contact information, and reported the fraud within days. The new account was locked pending " investigation '', but this was the only action XXXX XXXX / TD Bank took. They claimed that they would send me a fraud affidavit to fill out, but it never arrived. In a follow up call two weeks later, they stated they would resend the fraud affidavit, but it still never arrived. When requested to email the affidavit, XXXX XXXX XXXX TD Bank claims that " they dont have email ''.
I then submitted disputes with all three credit agencies to get the fraudulent account removed from my credit report. The dispute with XXXX allowed me to see that the account had been opened with the address " XXXX XXXX XXXX, XXXX NJ XXXX ''. This is an address thousands of miles away from my home in XXXXXXXX XXXX. I have never lived at this address, or anywhere in New Jersey. Furthermore XXXX XXXX shows this address is a commercial office complex. XXXX XXXX XXXX TD Bank accepted this address for opening the account even though it did not match my credit file address, and was not the type of address that would be reasonable for this type of account.
The XXXX dispute came back with no action taken. According to the report " We verified that this account is yours ''. They obviously did no such thing. XXXX clearly didn't even contact the creditor since the phone number they have for the creditor is non-working. XXXX failed to make any sort of an investigation whatsoever. Likely, all they did was request XXXX XXXX/ TD Bank account data electronically and verify that it matched what was in their own records. This sort of verification is not an investigation, and is only capable of detecting errors in the credit bureau 's own records. It is completely useless for investigating fraud and account ownership records because by definition the creditor 's records will match the credit bureau 's. This is not a clerical error, it is account fraud.
I attempted to file a police report with the XXXX XXXX XXXX XXXX XXXXXXXX but was told that they don't accept identify theft cases, unless I can " prove it ''.
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| 12/30/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
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I open an account with TD bank, I deposit {$25.00} to open it. Later I deposit a cashier check that my partner and I wrote off another account from our business to a company we decided not to do business with but had already written the cashier check for. We only made an inquiry with this firm, but my partner mistakenly made the cashier check to the firm, but we do not owe them.
Now TD Bank has been holding my funds since XXXX in the amount of {$7000.00}.
I reach out to them numerous time and they kept running me around. Finally on XXXX they told me that a gentleman in the security department Name XXXX XXXX was handling the case. I called this gentleman and never got a response until XXXX/XXXX/XXXX when XXXX of TD Bank staff told me he was on vacation. But than after they told me to go to a branch and open an account with my business name and they will deposit it. I went to the bank on XXXX XXXX and open a business account then they later told they will not deposit the money because it is not in my name. I told the cashier check came from my other business account and has my business name on it as who wrote the check and they 've received the funds and no one has made any claims that it was stolen so the funds is good. They told me to bring the receipt of the transaction and I did with a letter from my partner, I did and than they said no they can use it. So I ask them to send the funds back to were they got it from and they refuse.
They told I either have to go to the firm that I never did business and mistaken wrote the cashier check for to give me a endorsement release which do not make no sense because I called the company and they said they do not have anything to do with it because we do not owe them and our business relationship was just an inquiry made by us to them. No business was conducted with this company called XXXX XXXX ... .. I even called XXXX XXXX and XXXX of the manager along with me called back to speak with the assistant branch manager at TD Bank that I previously spoke with name XXXX at the Gallery Place XXXX location on XXXX XXXX. But, he just left me and the XXXX Insurance Company manager on hold and never came to the phone until we hang up.
The other solution was I had to wait for the TD Bank contractor to get back in the office from vacation. I ask when the person who put the restriction on my check on XXXX/XXXX/XXXX will come back from vacation and they said in XXXX XXXX. And nothing will be done until he gets back and make a decision, but mean while they have my money. I ask them again to send the funds back to the bank the cashier check was written and they still refuse and told later that I had an account with them in XXXX that resulted into some issue.
I made it clear to them that, that was not me and if they allowed someone to open an account in my name fraudulently i will take legal action against them. They responded after that they can not do anything to help me now and I have to wait for the gentleman name XXXX XXXX before anything can be done.
I 'm, not sure what they are trying to do, but I want all of my money back and I have attach some documents, but also I am waiting for a letter from XXXX Insurance stating that I do not owe them and have only made inquiry with them. I can give you that letter once I get it if you can contact me. My company name is XXXX XXXX XXXX XXXX.
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| 05/13/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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We were recently the victim of credit card fraud.
We are writing to dispute several fraudulent charges on our account in the amounts of {$13000.00} during XX/XX/2021 and XX/XX/2021. We received the letter from TD Bank Disputes & Claims, where you expressed our claim investigation determined that fraud did not occur. We really disagreed with the decision taken and for this reason, we are requesting that you investigate these charges and take the necessary time to investigate all the transactions disputed and denied.
We are a small family own company, and our business account expenses are only related to the company needs, every month we have the same expenses same places related to landscaping and we have only one debit card in our possession all the time and we operate out of XXXX Fl.
We asked to please call us and ask any question that helps to resolve our claim, look at our accounts transactions from the previous year, and there are no records of any of those online transactions or phone app transactions, there are card transactions in different places at the same time, meaning while we are in XXXX shopping for the business the card is being used up north at a hotel or a kid dance school. We as a person or company do not have any records of claims related to banks ' fraudulent transactions file in our past. Our records are clean of anything related to bank fraudulent issues.
The odd thing is that my card was definitely never out of our possession, yet the transactions were made with chip and pin as the claim responded on the last denial. We encourage the claim and bank like 20 times via email to take a closer look at the charges and while we were in XXXX shopping for the business the card was being used somewhere else. We have heard of sophisticated software in card machines that can extract this information to make hard copies, and we guess that this happened to us.
However, based on the bank denial some of the transactions were chip/pin, TD Visa has been largely unwilling to remove our charges. Then how come the bank never investigated by calling and asking questions or searching for our history as a citizen, previous fraudulent cases filed, etc.? Why even with a police report the bank or claim department had not requested any surveillance records, electronic tracking of where we were at the time the card was used? Why you the bank have not to look from XXXX back to the date the account was opened to see we never used the card in such personal places and online shopping? We have provided everything we can think can help the case and we have not received any call, or investigation that had been done only received denial without explanations.
TD claims that their technology is 'so advanced ' that they would know if any existing copies of my card were used, but we assumed they do not time for our small claim.
But because this is legally a minor theft, compared to probably what they have on their desk, I feel the case will not be given much attention.
But for us as small family own business is our life, our work for hours and no weekends off. Our future, our kids ' future! So, it is more than important for us, and we will go as far as it is needed to get our money back. We have been treated like criminals through every step of this process.
Thanks in advance.
Honest people don't hide their deeds.
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| 04/12/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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On XX/XX/XXXX I purchased appliances for {$3100.00} and opened a new XXXX XXXX account to pay for the appliances in order to take advantage of a 24 month 0 % interest promotion.
On XX/XX/XXXX, about 30 days after the appliances were delivered to my house, I realized that I had not received a statement for the new account. At that time I did some research online and discovered that TD Bank was the company who was servicing the account. When I tried calling it was outside of their regular business hours. At my husbands suggestion I located an email sent with information on how to create an online account for TD Bank.
Upon logging into the account I discovered that the minimum payment of {$130.00} had been due XXXX days prior on the XXXX. I went ahead and made a payment of {$130.00} through their online access, and setup the account with my online bill pay at XXXX XXXX ( where I also work. ) At the time I logged into TD Bank it tried to automatically enroll me in e-delivery of my statements which I turned off. ( This is something that XXXX XXXX also does for their statements and I prefer to receive paper statements in the mail. ) I also added the account to my bill pay spreadsheet with a due date of the XXXX and payment of {$130.00}.
On XX/XX/XXXX I submitted a payment through my online bill pay system to be delivered on XX/XX/XXXX in the amount of {$130.00} ; at which time I still had not received a physical statement or email that my new statement was available for viewing.
Yesterday, XX/XX/XXXX, I received a call from TD Bank stating that I was past due on my account. In order to discuss my account in more detail they wanted me to provide the last XXXX of my social security number which I declined to do for security reasons. As soon as I got back to my computer I called the customer service line and was informed that I'd been assessed a late fee for the XXXX payment in the amount of {$29.00} which had been added to the XXXX minimum payment, and because I paid {$130.00} I was assessed an additional {$40.00} dollar fee for not meeting the minimum payment due.
When I explained what happened they told me their policy is to only issue XXXX complimentary fee reversal in a 12 month period, and tried to say that I didn't receive any statements because it had enrolled me in e-delivery when I signed in the first time. Even if that was the case, it does not explain why I didn't receive the first statement that was due on XX/XX/XXXX, and my first login was on XX/XX/XXXX.
Upon submitting a written complaint through their XXXX page I received a call from a manager who also asked me to verify my account with the last XXXX of my social security number ; when I declined to provide my personal and confidential information they told me that I could call back to customer service. I asked if there was a phone number to call to reach a manager and she said there was not - the only way to talk to a manager is for them to call and that they couldn't discuss the issue without verifying my account.
Today, XX/XX/XXXX, I attempted to call again and was told that they would not reverse the {$29.00} late fee because they showed sending out a statement and their policy is to only reverse XXXX fee in a 12 month period. I reluctantly paid the {$26.00} that they say I was passed due on in order for them to reverse the XXXX fee of {$40.00}.
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| 09/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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XX/XX/XXXX To whom it may concern, I am writing you today as I am asking for help with an ongoing issue regarding my previous mortgage with TD Bank. This mortgage was paid off on XX/XX/XXXX by my new lender, but due to an incorrect payoff amount the problem for me began. See below for timeline : XX/XX/XXXX - Bought home on XXXX XXXX XXXX - Bank TD Bank XXXX XXXX refinanced with XXXX XXXX XX/XX/XXXX the payoff amount of {$510000.00} was issued and overnighted to TD Bank XXXX on XX/XX/XXXX they cashed the check.
XX/XX/XXXX - I started paying my new lender XXXX XXXX XX/XX/XXXX - I learned that my XXXX cards were shut off, when I called they explained to me that my credit score dropped XXXX points and my report showed late mortgage with TD Bank.
XX/XX/XXXX - I received a demand letter from TD dated XX/XX/XXXX stating that my house was at risk of foreclosure, and I owed them {$15000.00} I immediately called TD Bank, after 4 hours and 4 different departments, I learned that my mortgage was never closed, and the funds ( {$510000.00} ) although cashed were never applied to my mortgage loan due to a short pay. Due to this error, my loan was never closed, and I was told that I was 5 months behind on my mortgage owing them {$15000.00}.
XX/XX/XXXX - I called my closing attorneys office to help me with this issue. XXXX was assigned to my case, and it took her 2 months to get someone on the phone.
XX/XX/XXXX she spoke with a gentleman named XXXX ( manager of customer service ) and he confirmed that my funds were never applied to my account, because of this my account showed that I was 7 months late and I now owed XXXX XXXX XXXX of dollars. He also could not explain as to why the funds were cashed when the payment was short. TD bank was in fact required to send back to check and notify the short pay immediately to my new lender or closing attorney. He told XXXX that he would fix my credit and once complete I would owe roughly {$4000.00} for the short pay that was missing.
XX/XX/XXXX - my credit was fixed but I then started getting debt collection calls saying I owed {$33000.00}. I explained to the debt collector that I owed {$4000.00} due to what XXXX had said and they stated that they had no record of the adjusted amount due.
I then decided to report TD bank to the XXXX as I needed help. We went back and forth for months. The amount for {$4000.00} quickly changed to {$7000.00} due to TD paying my XX/XX/XXXX taxes. TD bank was never required to pay my XX/XX/XXXX property taxes as my new lender was responsible and paid my XX/XX/XXXX taxes. The town office confirmed that my taxes were paid twice. With no outcome through the XXXX, I started saving money to pay the {$7000.00}.
On XX/XX/XXXX I called XXXX XXXX AVP to let him know that I had {$4000.00} to pay towards my {$7000.00}. He was not willing to take the money and said that I had to pay in full immediately. I explained that if I had it, I would pay it all but at this time I do not. I could pay him {$4000.00} and will make payments to complete the amount due. I begged for some solution and help with this, but he would not consider anything to help an existing customer. On top of this amount owed I started receiving monthly bills for a {$510000.00} mortgage that TD bank claims I have with them. I am at a complete loss on this and need help.
PLEASE PLEASE HELP XXXX XXXX
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| 09/15/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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We have a mortgage loan with TD Bank. In XXXX, when we suspected that my husband would be furloughed due to Covid, I called to see what our options were. I was told that TD had a Disaster Relief program and that we would be granted a 2 month EXTENSION on our loan. They would simply let us skip two months of payments and we would pick up where we left off with no negative credit effects and no future help being effected.
We were supposed to received paperworkin the mail within a week. When we didn't, i called back. I was assured that we were on the list but it was taking time to get the paperwork out. I was told again that it was an extension, but that it was actually 3 months, not 2.
When we still did not received paperwork, I called back. My XXXX payment was almost due and I didn't want to not pay and find out that i should have. I was assured by a 3rd person that everythign I was told was true, that it was ok to not pay in XXXX and that we were on the list and paperwork would arrive shortly.
So I didn't pay in XXXX. At the end of XXXX, we recieved our paperwork. However, the paperwork said that we had been signed up for a forebearance, not an extension.
We called and we were told that they had " changed their minds '' and that " I guess I didn't communicate that information to my team '', We requested a call from a supervisor to discuss our options because we did not wish to be part of the forebearance.
I'm told that there is a note in the system that they tried to call but there was no answer and they could not leave a voicemail. I guess they only call once and that's it. Even after repeated calls, no email or letter to say that they did try to contact us and were unable.
We made our XXXX and XXXX payments at the beginning of XXXX and have paid each month since.
My husband and I both called multiple times. Each time we were told that our case had been escalated and we would receive a call in 24-48 hours.
I began giving them my cell phone number as well. We did receive a letter in the mail saying that since we had not opted out, we have already been extended for an additional 3 months.I spoke to one gentleman and he said that he could cancel the forebearance and apply our payments where they should go but we would get a late payment for XXXX and a hit to our credit score. I told him that was unacceptable becuase we were not given the correct into. told him that when he emailed his supervisors he should let them know I was very unhappy with being ignored and the horrible customer service. He emailed them and CC 'd their boss. No call.
And the customer service reps just keep saying " Its not hurting you, it's just added protection. '' Well now I want nothing to do with TD and I want to take advantage of lower rates, so I'm trying to get a home equity loan. And guess what??? My mortgage shows it's in a forebearance. so It is in fact hurting me. I called again last Thursday. No return call. I emailed last night. No response. I called this morning and said if I do not receive a call today, I will file a complaint and call a lawyer. No call.
All I want is the forebearance removed with no late payment for XXXX and no negative mark on my credit. Thsi could be corrected in 5 minutes, I'm quite sure. Instead, after 5 months, I'm still trying to fix somehting that was not my fault and I'm forced to take action.
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| 08/13/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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On XX/XX/2021 I entered a Raymour & Flanigan store hoping to purchase a bed or mattress. I was offered a Raymour & Flanigan Visa card. I qualified and was told by the sales representative that I could arrange a particular due date once the card arrived. I also stated that although I had to provide a physical address initially, I had a PO Box that must be used. I explained that I was unable to receive mail at the physical address. She assured me that this also able to be done. My FIRST call to TD XXXX XXXX XXXX ( XXXX ) was to inform them that I had not received any correspondence and to confirm the PO Box . The SECOND call to XXXX was to arrange a due date that would allow me to pay successfully. They informed me that a different due date could not be accommodated and that I should " take it up with the store. '' I informed them that if I had known that I would have proceeded differently. I also stated that it was going to be impossible financially to make the first due date. The rep stated that I should just go online, schedule the following payment, and ask for the late charge to be removed. My THIRD call to XXXX occurred while I was online trying to navigate their system and attempt to schedule a minimum payment of {$120.00}, as indicated on the first bill. The system was very ambiguous and confusing. So much so, that the transaction was cxled twice ( which I have a printout of ). The representative kept assuring me that it was okay and I was scheduling a minimum payment of {$120.00} for XX/XX/XXXX. She also confirmed that I could call back on the XXXX and get the late fee removed. My FOURTH call to XXXX was on XX/XX/XXXX to request late fee removal. He informed me that the late fee was not going to be removed and that they had initiated a withdrawal to my account of {$270.00}. I informed him that I had authorized no such thing. He then told me, " there is nothing I can do. '' I asked to speak to a supervisor. She was repeating his statement. When I insisted that I wanted all previous communication evidence, she told me she would not cooperate with that and that I should " get a lawyer. '' I instructed her to close the account immediately. I then went to the store directly to inform them of the chain of events and made them aware that if the withdrawal went through, it would empty my account completely and I would be devoid of all monies. They attempted to speak to a XXXX representative, but had no different result. They took my number, a copy of the initial bill showing the minimum payment amount, and said someone would call me ( which never happened ). On the immediate following Monday ( XX/XX/XXXX ) I went to my bank. I met with the bank manager ( XXXX XXXX ). I related all events and we conference called XXXX. The sales representative gave all the details of the previous communications. It became clear to XXXX that what I had related was factual, accurate, and that XXXX never had any authorization to do what they did, nor should they have. The representative stated, " this is not my first phone call regarding due date issues etc. '' I told him maybe he should be working for a different employer with better morality. I instructed the representative to delete all my online account information ( which he stated that he did ). XXXX proceeded to submit her own complaint to TD Bank and put stops on my account.
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| 03/05/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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I am sending this complaint against Td bank ref no : XXXX, b ) complaint against XXXX bank ref no : XXXX c ) complaint against XXXX XXXX Ref no XXXX 1 ) I want to submit my complaints against TD bank for money short balance over 20K in a year period, shown on checking and saving.
TD was not willing to discuss details or produce 18 month statement, but sent only 3 month of statement which still has shown a short balance of {$800.00} please forward this file to legal aid department who may represent me since I could not pay lawyers and request the government to provide me one lawyer 2 ) I kindly request this office to forward to legal aid office since all companies did not give solution to money short from XXXX XXXX XXXX for about $ XXXX having all information but rather buying time in putting off to refund my money frauded from my XXXX account, not willing to send bank statement or not willing why my credit card was posted as a defaults for three time after full settlement 3 ) I have submitted my complaint against XXXX XXXXXXXX XXXX which shows a short balance of {$8500.00}, Now {$7500.00} but I have paid {$24000.00} out of XXXX a remaining balance should have been {$1400.00}, which this is even accrued by cyber security fraud in conjunction with TD online bank.
I adjusted online automatic payment of {$440.00} /month with system option payment to continue until I stop. But, system was unfairly hacked and unchecked this option and created short balance piled by choice of bad guys, interested to take advantage of me repeatedly with my other a/c - with XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, frauded me twice in dropping my full coverage insurance against federal Insurance policy so please forward this issue to Legal Aid to represent me, since I do not have the money, ( many minorities have been taken advantage by those banks listed, which a professional research could proof right those wrong doings ).
so that justice will be served please refer all file Nos and following email I sent to TD bank and may provide all doc if a lawyer is assigned.
thanks XXXX XXXX : XXXX XXXX XXXX XXXX, va XXXX XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX ( 10 days ago ) to XXXX Hello TD bank, Per your request and response Via consumer finance protection Office, I have called several times To discuss why short Balance Over 15k to 20 k was notice.
Still I request TD bank to refund Me my money which shows Short Balance.
2 ) produce a Statement of For the Last 2 years and Mail Copies to VA address 3 ) respond to all issues I have Wrote via consumer finance Protection Office and Office. Of Comptroller commission 4 ) send me online password Reset via email on file.
To mention one Major problem About online System is : I set up automatic car loan Payment via your system for The payment an option to To be automatic until I stop.
But my online TD bank Account was hacked and Unchecked this payment So that the XXXX Auto Payment interest was Mathematically Engineered To take advantage of me.
So TD bank is liable For this and other possible Frauded checking and saving I have with TD bank.
Kindly request this bank To share this Info with Consumer finance protection Office, Inspector general Office so that fair justice Be served per US government Banking LAW Thanks XXXX XXXX CC consumer finance protection Office
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| 06/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I had submitted a dispute with Nordstrom on XXXX / XXXX / XXXX . XXXX # XXXX with attachment. I received a reply from Nordstrom on XXXX / XXXX / XXXX which did NOT address any of the facts and evidence I have to support my original claim. Additionally, Nordstrom closed my dispute without properly addressing the facts of my claim. In response to Nordstrom 's XXXX / XXXX / XXXX reply to my original claim : Re-stating the facts, my account was first reported as delinquent in XXXX XXXX . Nordstrom claims that " Payments were then made bringing the account current, however, due to a lack of payment the account charged off in XXXX XXXX ''. What they fail to understand is that the XXXX XXXX date is the date in which my account was Paid in full, NOT the date in which my account was first reported as " charged off '' which is what Nordstrom is reporting. ( Please see screenshot from my credit report ) When I began my payment arrangements, I authorized Nordstrom to deduct my account the same amount until the account was paid in full. 6 months later, I received a call for a missed payment! What the customer service representative failed to mention when initially setting me up on auto payment is that I would have to initiate another authorization of deduction after 6 months of payments. I reinstated the automatic deduction and to explain to the customer service representative that no one informed me of this policy. I was misled by the representative who initially set me up on my first attempt for payment arrangement. Not only is Nordstrom reporting inaccurate information to the credit bureaus regarding the date of first delinquency, they have misled me and did not inform me of crucial information regarding my account. Again, the customer service representative who set me up on my initial automatic payment arrangement did NOT notify me of a 6 month maximum policy. Here is my original complaint from XXXX / XXXX / XXXX Nordstrom reported my account as a " charge off '' to the credit bureaus on XXXX XXXX . I made a payment arrangement with Nordstroms internal collections department to automatically deduct payments from my bank account for payment on XXXX XXXX . My final payment ( paying the balance in full ) occurred on XXXX XXXX . ( I have attached a photo showing the dates of the original reported " charge off '' AND the last activity date ( when my last payment was updated with Nordstrom, XXXX XXXX ). Nordstrom reset my initial delinquent date to the credit bureaus showing a paid charge-off date of XXXX XXXX . This account was reset per Nordstrom to show that it will not fall off my credit report until the year XXXX . This does not comply with the Fair Credit Reporting ACT ( see below ) * Per th e Federal Credit Reporting Act Calif State Rule Section 1785.13. of the Calif. Civil Code - Collection accounts and charge offs remain for 7 years from first serious delinquency or charge off date. ( NOT the last date of activity. ) - Paying an old debt does NOT reset the clock on reporting for another 7 years. I have spoken with 2 representatives at Nordstrom to explain this to them. They did not seem to understand this law and told me that the reporting has to remain. I am requesting that Nordstrom remove this account reporting to the credit bureaus per this law
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| 03/29/2017 |
Yes |
- Bank account or service
- Checking account
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Web |
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XX/XX/2017 I went to TD Bank located on XXXX, XXXX, MD XXXX with my wife to make a withdraw. I was told to wait at the teller counter while she asks the branch manager for an approval. The manager, then, walked to his assistant manager 's, XXXX, desk for guidance. After a few minutes, XXXX asked me to follow him to his desk. First, he asked my why I transfer money back and forth between my saving and checking accounts. I explained the reasons behind those transactions and XXXX was satisfied with it then he moved on to another topic. Three of my accounts was " Red Flag '' [ charged off ] so he can not give me my money yet until I pay off the outstanding balance. He claimed that I must have 10 or more letters from TD Bank for each account telling me that it was overdrawn. I told him that I did not check my mail every day and did n't get any calls from TD regarding the negative balance. He said it was hard to believe by saying he 's not buying it. He picked up his phone and called the charged off department and asked them if he could freeze my accounts which have more than enough money to cover the negative balance. I did not know what the charged off department said but I 'm assuming that he can not put a freeze on every account. He went on and asked if he could put a hold on the funds in the amount that I owed and make the rest available to me to use. He made an assumption that I already knew that my three accounts are overdrawn and I still opened an account online which should be closed by now. He also said, " Honestly, you 're not supposed to be banking with TD Bank ''. I asked him if the bank could wait until next week to collect the funds to cover the outstanding balance because I got ta pay the rent instead of trying to close these accounts. I also said it is not worth losing a customer. As many people know if you 're in the business for awhile. If you let one customer walk away with negative feelings toward the business. That customer is likely to talk to another person and then another and another. That was why I said that to him. This is what he replied, in my face and in front of my wife which was on the phone and another person on the phone heard it crystal clear, " at the same time it 's not worth having a customer that has charged off account with the bank ''. He kept bringing up his assumption that I knew and aware of my balance that 's why I opted to open a new account online. Which I told him that I do not check my mail every day and did not get any calls or emails from TD Bank. I also told him to check that a few weeks ago once I found out about one negative balance on the account, I transferred around $ XXXX-XXXX to cover the balance. That would show that I 'm doing business with TD Bank in good faith and not trying to rob or take any advantages from this relationship. XXXX, then, allowed me to get my $ XXXX in cash and will freeze some of my funds until next week when I come in with the additional funds. After consulting with some of the government agencies, I decided to write this complaint/review to get TD Bank attention in order to work together to solve this. And please, read some customers ' review about this location. I love TD Bank and your other locations but this branch manager and assistant manager are driving us nuts with their manors and unprofessional behavior. Please hear us out!
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| 11/03/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I purchased two products from a company that were on pre-order but payment was taken at time of purchase. The amounts were for {$620.00} and {$120.00} and the dates are listed on my account for these transactions were XX/XX/XXXX and XX/XX/XXXX. After over a year with no product in hand and little to no information being sent by the company pre-ordered from, I requested a refund around XX/XX/XXXX. About a year later, XX/XX/XXXX, I heard back from the company letting me know that they would cancel my orders and refund them to the card on file. The card had expired since the original transaction but the new card I have is attached to the same account that was on the original card. The company let me know that the funds should go back and contacting my bank, TD Bank, and speaking to a representative led me to believe that there should be no issue. If I did have an issue with the transaction posting after 7-10 business days, I would need to go into a branch to dispute the transaction. The orders were cancelled and refunded in their XXXX XXXX payment system on that day. I waited 7 business days for an authorization or the funds to be shown in my bank account, but nothing happened. I traveled to the XXXX XXXX TD Bank location and spoke to someone in person about the transactions. They spent time verifying that the transactions existed in the record of my account and they told me that I should wait the extra 3 days to make sure that the transaction posts. While TD 's policy of 60 day dispute timeframe was out of scope, they might be able to fix some issues. I was told that the representative would reach back out to me at the 10 business day mark of the transaction. At this time, I reached back out to the original company for a followup and they gave me two ARN ( Acquirer Reference Number ) numbers to help the bank track the transaction. I did not get called on that XXXX day. I called the branch on the following day to follow up and was told that there was no appetite by management to help me. I called the TD " Customer Care '' line for help and was told that my card was expunged from my account. They could see that the card WAS on the account, but the data was gone. This did not make sense to me as the transactions are on the account and was told that the refund to the old card should work but was told that because the card is so old, they couldn't do anything. I spoke to a manager and was told the same thing. I tried many times to give them the ARN that I was given but no one seemed to know what the ARN was. They took the numbers and told me that they would escalate my issue to the investigation team at TD Bank but I would need to wait 5-7 business days to hear back from the investigation team. I waited 5 business days and heard nothing so I reached back out to TD Bank to get a status on my investigation from a manager only to find out that no investigation request was put in and that " It isn't right that I'm being treated this way. '' The person told me they would reach out to me after reaching out to the Investigation team. I have not heard from anyone at TD Bank since. I reached out to the original company and have not heard back from them either. By refusing to help me with this issue, TD Bank has effectively robbed me of {$740.00} and my trust that they actually will help any client if they run into an issue.
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| 12/04/2016 |
Yes |
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Web |
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I purchased plane tickets from a third party ( XXXX XXXX XXXX ) on XXXX XXXX, 2016 for {$560.00}. After checking my credit card statement online on XXXX XXXX, I noticed they charged me an extra {$220.00}, totaling {$780.00}. I tried for almost 2 weeks to contact the merchant about this charge, but no one ever responded to my questions. I decided to deal directly with my credit card company instead ( TD Bank ). The following is a timeline of my interactions with TD : XXXX placed dispute with TD ; directed to fax in my receipt from XXXX XXXX XXXX XXXX faxed receipt to XXXX XXXX received letter from TD stating that my case was closed due to " not receiving a response '' to a letter that was sent to me in regards to my dispute ; I never received this original letter they were referencing. I called TD to inquire about the fax I sent as well as the letter I received in the mail regarding the closed dispute. They said they never received the fax and that I did not respond to a letter sent to me about opening the dispute. I requested a copy of this original letter, but they said they would look into it. At this time, the employee gave me a new fax number and stated that my original fax number was incorrect.
XXXX faxed airline receipt to XXXX XXXX called TD for update on receiving fax ; employee said they did not receive my fax and that the new fax number given on XXXX was incorrect and that my original fax number was correct.
XXXX faxed original receipt again to XXXX XXXX called TD for update on receiving fax ; employee said they still had n't received fax. I asked for a supervisor, but was told that she was unavailable. Was told I would receive a call back.
XXXX received call back from supervisor, XXXX. She gave me her direct fax number to send my receipt to.
XXXX fax original receipt to XXXX ( XXXX direct fax ). Called XXXX in the afternoon to confirm that fax was received. She stated she had it and that it would take a few weeks for a decision to be made.
XXXX called TD for status update about my claim ; was told that dispute was denied due to " VISA regulations that prevent charge-backs for travel and entertainment expenses. '' I was never contacted about this decision. If I had not called for an update, I would have never know about the decision to deny my dispute.
XXXX called TD to inquire about appealing the dispute decision ; was told there was nothing left to do because it is a VISA regulation. Was instructed to write a statement and fax to TD but that nothing would probably be done regardless.
XXXX called TD again to ask for XXXX to find out more information about my dispute decision. Was told that she is unavailable and the employee told me there was nothing left for TD to do on their end because of the VISA regulation. She also stated that I should not fax in a statement because it would not re-open the case.
I am trying to get a credit for {$220.00} that was over-charged to my account. I have been dealing with this issue for almost 3 months now, and the way I was treated by TD Bank was extremely unprofessional. Their lack of communication was very frustrating, and the way they handled and then closed my dispute without any documentation or explanation was very frustrating and not customer-focused. Please advise if you need any more information, including my original receipt from XXXX XXXX XXXX.
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| 08/14/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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I have an account with TD Retail Card Services that was opened in XX/XX/XXXX. I set up an automatic payment through my bank to pay the bill every month. Everything worked fine until XX/XX/XXXX, when the paper check my bank sent ( because TDRCS does not participate in electronic payments, which was not apparent to me at the time ) apparently was lost somewhere. I found this out because I got a Past Due notice in the mail in XXXX. I called the number, and was put on hold for over an hour. The first person transferred me to someone else and I was on hold again for >20 minutes. I couldn't stay on hold and called back the next day. The same thing happened three times until I finally talked to someone who said that I needed to pay the bill ( {$260.00} ) plus a late fee. I explained that the payment HAD been sent but was lost. A lot of back and forth happened, I told them that I would try to set up an electronic payment. I checked with the bank and found that I couldn't do that ( see above ) so I got in touch with TD again ( after more long holds ) and had them tell me which of two addresses on the Bill Pay page for them was the correct one. I was told, and verified by reading it back, that it was an address in XXXX NJ. I set up the payment process, paid the XXXX payment by phone including the late fee which I was told would be credited to my account balance, and thought it was taken care of.
Then in XXXX I got ANOTHER past due payment plus late fee. More calls, more holds. I told the TDRCS customer service person that this was the second time and why are they not getting these payments? I went into my bank website and told them the address the check was sent to. They told me that was NOT the correct address and that it should have gone to XXXX SC. Well, thanks for giving me wrong information! They said I should send proof of payment from the bank that the payment was sent and that then they would have a supervisor take things further and that I would get a call. I faxed the proof of payment on XXXX.
I got an email on XX/XX/XXXX saying that I had a past due payment that I had to take care of ( a generic email ). I called back and told them I needed to speak to a supervisor to get this resolved. I was transferred to the same customer service line that did NOT have a supervisor at it, but again they told me I would get a call. Someone identifying herself as a supervisor left a voice mail on XX/XX/XXXX ( while I was at work and could not answer my phone ) saying I should call back to the same collections number that started this whole thing. I have called three times since then, I get a person, I explain that they made the mistake of telling me the wrong address, I sent the payment, and I need to speak to a supervisor to get it rectified, and they transfer me to the SAME CS department that does nothing but put me on hold! I have been unable to get any further than this now after being on hold for 45 to > 60 minutes, trying at many times of day and evening.
I have set up the automatic payments to the correct address but still have late fees outstanding that I can not talk to anyone about. I don't know if the payments that were made previously are totally lost or not. I have no idea what they are doing with my account and my credit rating right now, and I have no way to find out because I can't talk to anyone.
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| 12/08/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I purchased a XXXX from XXXX in XXXX, XXXX in XX/XX/XXXX. My mother consigned with me, and a loan was taken out via TD Auto Finance by the dealership to fund the remainder of the car 's costs not covered by our down payment. Later, on XX/XX/XXXX, I moved from XXXX, XXXX to XXXX, XXXX, and began the process of trying to register my vehicle within the new state.
During this time, I was given instructions multiple times by multiple customer service representatives of TD Auto finance on the process of transferring my title to the XXXX DMV offices, to begin the process of re-registering my car within the new state. Much of this information was contradictory ; I was told I had to remove my mother 's name from the lease, but that I could not mail the title to my new address in XXXX, because her name did not fit the mailing address. I was told that my title had been mailed out on two separate occasions, and then that it was held up at the XXXX DMV office in XXXX, due to the errors committed by ( I believe ) TD Auto in removing the extra name from the title. I finally was told by the DMV of XXXX to fax a form of title request to TD Auto, with information on where to mail the title. Upon doing so, I contacted TD Auto again, asked to confirm the fax was received, was placed on hold, and the call then dropped. This had happened multiple times, both to my mother and myself, on separate occasions when inquiring about information regarding my title.
As of XX/XX/XXXX, I finally paid off the remainder of my loan, in the hopes that the title would be mailed to me directly after. More than a month later, after multiple calls to no less than four different TD Auto representatives, when I was finally told that I was supposed to have received the Lien Release Form. This form arrived 4 days later, two weeks before XXXX, and I was told by TD Auto representatives to bring that form to the XXXX DMV, who would then request my title be mailed to them directly. The DMV informed me, in turn, that I was supposed to have received the title, alongside the Lien Release Form, directly at my place of residence. I then contacted TD Auto again, knowing that my loan had been settled two months prior, and they finally told me that my title had been mailed out XX/XX/XXXX ; they did not send it out with any form of tracking, registered mail, or certified mail. Merely first class, with no way to know where it was. When I inquired how long it would be until I received my title by mail, I was told 10 business days. It has been well past that point, and my title never arrived. I can not locate it via my local USPS branch, as there was no tracking or identifying information attached to my title, and thus there is no way to know where it ever went.
It has been nearly 17 months since I began attempting to obtain my title from TD Auto, in an effort to register my car in my new state of residence. I can not legally drive in the meantime, as my registration and thus insurance have both expired, and I can not re-register my car without my title. The Lien on my car has been released since XX/XX/XXXX, with nothing but the Lien Release Form to show for it. TD Auto Finance has neglected to do anything further in assisting me, other than passing me on to their Title Department, who has offered no solution outside of paying in full for a new title again.
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| 01/31/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Back around XXXX, we almost went into a foreclosure and after begging and dealing with a different person every time we tried, we finally made progress. We did this for about three years. Finally in XXXX they agreed to stop foreclosure and redo our mortgage agreement which was like a XXXX page document ( attached ) ... .Let me give a brief synopsis as to why we are looking to the Federal Consumer Bureau to start an investigation : Shortly after we made the initial XXXX trial mortgage installments of XXXX ( totals XXXX ) Then our back taxes were XXXX, XXXX XXXX from TD, send us another page saying our escrow/taxes was now XXXX. ( she mistakenly added our XXXX to the back taxes which gives you this XXXX XXXX ( attached ). This is wrong, our XXXX payment was to be paid on mortgage per agreement. This lady added it to our back taxes. I also made a payment bringing down the back taxes to around XXXX which was to spread out over 36 months. TD is XXXX who set the tone of how many months ( XXXX ) NOT ME. the back taxes and the amount XXXX for 36 months which comes to : XXXX x 36 months = XXXX ( 3 years of back taxes ) My XXXX was misappropriated, applied wrongly. I discussed this with a loan guy at TD who saw it as well. The only guy who agreed to what I was explaining. But not in authority to do anything, this is ludicrous. No one will speak to us at the bank. I have been fighting them since and trying to reach out, they just keep transferring you to another department!!! so frustrating. Even the bank attorney XXXX XXXX, XXXX was suppose to have a conference call last week with us and our lawyer XXXX XXXX, but he never called in. Unprofessional - cause I believe they know they are wrong and can not come up where they misappropriated my XXXX which is floating around somewhere. Then we started to notice the bills we are receiving for quite sometime saying my taxes were XXXX a month. My taxes have been monthly XXXX to give or take 850 month in the past few years. I called XXXX and they verified. I even made a payment during the year of XXXX cause the XXXX said TD did n't make payment. Do n't think I was ever credited for that. Not my biggest concern right now.
Since around XXXX of XXXX, the TD billing shows XXXX a month for taxes - they claim I did n't pay enough escrow. Again this is wrong, my taxes are around XXXX a year not XXXX ... XXXX a month is XXXX year for taxes, this is wrong.
The incompetency of their billing dept and/or loss mitigation is way off and needs to be investigated.
Now they say we owe attorney 's fees from back when we were in foreclosure, it was never disclosed on the new agreement signed. These attorney fees that they mention were not on the new mortgage agreements that were signed by me in XXXX, it was never disclosed that I had to pay any fees. If it was the case, it should have been detailed in the new agreement added onto the new payment. Who is to say, I would have agreed to any extra monies/fees ... I may have said keep the house.
We 're getting a different bill every few days with different amounts ( attached ). Now I 'm receiving bills charging me an extra XXXX a month ( saying its for taxes and/or insurance. ).
There are too many discrepancies to discuss via complaint. Even my attorney does n't understand their logic. I firmly believe that I am right numbers do n't lie.
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| 09/07/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am writing to file a complaint against TD Card services for falsely claiming to thoroughly investigate my dispute and finding in favor of a fraudulent company.
On XX/XX/2020, I purchased what I believed to be authentic wireless XXXX headphones for my XXXX year old son. I should have known the price was too good to be true, but the site claimed these headphones were real XXXX. The site goes by XXXX, uses the XXXX XXXX XXXXXXXX XXXX XXXX, and photos and descriptions of XXXX products. The site has the real XXXX price crossed out and the discounted price of {$69.00} listed.
After I made my purchase, I decided to look into this company. Something didnt seem right. It did not take me long to notice this company is a scam. On the websites contact page, there were many misspellings ( for example, address was spelled adress ). The address, XXXX XXXX XXXX XXXX, XXXX, Louisiana, XXXX, USA, is not a real address.The phone number is not legitimate either. I tried calling the company to cancel my order, but the phone number was constantly busy. The site claims fast free 2-day delivery, but the company took a week to supply a tracking number, and then I saw the product was being shipped from XXXX.I did more research, and found XXXX to be listed on sites that report scams. I also found an abundance of complaints and warnings against this company. The company has since changed their name to XXXX and they seem to change their name every couple of months, On XX/XX/XXXX, I contacted TD Card services to dispute the charge. TD Card services told me the payment was still pending and that it needed to post before I could file a dispute for counterfeit merchandise. On XX/XX/2020 I filed a dispute for {$69.00}.
The headphones were shipped from XXXX, XXXX, on XX/XX/2020 and arrived to me on XX/XX/2020. I did not open the package and refused it. The package was returned to XXXX, XXXX, on XX/XX/2020.
On XX/XX/2020, TD Card services called me to ask if I received this package. I told them that I refused the package because the headphones are counterfeit, and that the package was received by the XXXX company on XX/XX/2020. I gave TD Card services the tracking number so they could investigate further and see that the item was returned.
Four days later, on XX/XX/2020, TD Card services sent me a letter rejecting my dispute and finding in favor of this scam company, claiming they were able to get in touch with the merchant and that I received the product I ordered. The {$69.00} was charged back to my account.
I called TD Card services to appeal their denial of my dispute, and was told that it is up to the investigator to open up the case again. The representative would not let me speak to an investigator and said there was not much more that could be done.
I am filing a complaint against TD Card services for claiming to investigate thoroughly and properly. I find it hard to believe that they were able to contact the merchant when I was not able to do so with a false phone number and address. TD Card services simply asked me if I received the merchandise, ignoring the information that I gave them about returning the merchandise and providing proof of receipt of the return with a tracking number. They allowed this scam company to keep my money, and I am now without the merchandise and at a loss of {$69.00}.
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| 12/27/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
Older American, Servicemember |
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On the morning of XX/XX/XXXX, my phone rang at XXXXXXXX XXXX, i received a phone call from a man representing himself to be a Level 3 Fraud Investagor with XXXX XXXX XXXX He told me that the branch I had always banked at was under investigation because two of the employees were suspected of selling account information and that my account was one of the ones that had been targeted. He told me that if I did not follow his directions, then he would have no choice but to close the case file, let the FTC XXXX fines and penalties against me. He was not kind when speaking to me. That was the first threat. I withdrew {$15000.00} to pay movers and packers to help me move. How did he know I had done that. The next phone call was that I had to withdraw ANOTHER {$15000.00} to make the first withdrawal a total of {$30000.00}. He told me exactly what to do and what to say, not to make eye contact with any one just complete the transaction. He threatened me by telling me I was being watched and they would know where to find me. That was the second threat. My phone rang all the time and at one point, I had to pull into a parking lot where he continued to bully me by calling me slow and stupid. He kept berating me for the next 4 days. The deposits continued into the same " dummy account '' XXXX XXXX XXXX XXXX All the money was deposited into that account using the same account number and routing number. This person had me running back and forth berating me and harrassing me. Those are bullying tactics as well as threats. The final transaction was. a withdrawal in the amount of {>= $1,000,000} one half of which was at the XXXX XXXX XXXX and the other half was to TD Bank at XXXX XXXX XXXX and continued on with the harrassment. The bank tellers words were " you know that once this money is deposited it will be gone ''. What is a person to do under the threat of having their money drained, fines levied against me and that I was being watched? I did as I was told. I was afraid. On XX/XX/XXXX, XXXX XXXX with XXXX XXXX XXXX came to my house, explaing to me what happened and I fell apart. A police report was was filed ( 2 times ), with the promise that a detective would be in contact with me. He never did and when I called him, he told me he had tried to call me several times in XXXX. That is not true. My phone has been working all that time. I still believed I was being watched and I am still afraid. When I callled the TD Bank 's Fraud department, the gentleman told me he " pitied me '' ( his words, not mine ) Those words did nothing for my self esteem. I wrote a letter to TD Bank asking them to return those funds, I went back to the branch and spoke to a very nice young lady who tried to explain the issues. All I wanted to ask was for her to fax the letter to the corporate offices which she did. I have been told the following : I made the withdrawals ( under the guise of threats, bullying and harrassment, Some of the dumbest things that have been said is to hire an attorney. I have no money to hire one. Post my story on Social media and some one may feel sorry for me and perhaps donate money to my cause. That is ridiculous. The words I pity you will remain with me forever. I do not want pity, I want action. I want to be able to provide all the documention I had written down while being bullied and treatned.
|
| 09/29/2016 |
Yes |
- Bank account or service
- Checking account
|
|
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Web |
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CFPB, C/O TD BANK ATM DEBIT FRAUD CLAIM DEPT.
RE : XXXX XXXX XXXX XXXX XXXX XXXX FRAUD CHARGES & XXXX FRAUD CHARGES CLAIM # XXXX XXXX - FRAUD MANAGER CC : XXXX FAX TO : XXXX XXXX XXXX TO DEMAND FULL REFUND OF {$48.00} XXXX XXXX, XXXX Hello XXXX AND XXXX FRAUD INVESTIGATION, I spoke to you today concerning cancelling my ATN Debit Card, re-issuing me a new one expediting the matter to send to my overnight in the mail. I am filing a formal fraud dispute for the BANK CHARGES listed on my account WITH TD BANK ATM XXXX FRAUD CLAIM DEPT. AS OF XXXX XXXX, XXXX. The overdraft fee is {$70.00}, and the other charges total {$510.00} = {$580.00} that I demand be credited back to my checking account effective immediately. I am including evidence for my fraud claim, as there are many other consumer fraud reports concerning XXXX XXXX XXXX that people have had charges put on their bank debit or credit cards, listed within the same 2-4 day window on banking statements. These charges are considered to be Telephone crammer scam frauds, and are also being used in affiliation with outside vendor discount programs networks that offer other companies similar discounts for online purchases with other companies, such as XXXX.com which is a charge that shows up on my bill during the same 3-4 day window of charges that I did not authorize on my debit card. XXXX XXXX Fraud Dept. does not answer their phones, they have a message that plays automatically, but then hangs up and you can not leave a message for them.
XXXX/XXXX/XXXX FEE OVERDRAFT PD View Details XXXX Setup balance alerts {$70.00} Pending Transactions : ( {$3.00} ) XXXX/XXXX/XXXX PURCHASE AUTHORIZATION XXXX {$.00} XXXX/XXXX/XXXX PURCHASE AUTHORIZATION XXXX XXXX {$.00} XXXX/XXXX/XXXX XXXX {$48.00} XXXX/XXXX/XXXX DEBIT CARD VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$210.00} XXXX/XXXX/XXXX DEBIT CARD VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$190.00} XXXX/XXXX/XXXX DEBIT CARD VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$51.00} Here are links cross-referencing the fraud that is being committed with XXXX XXXX XXXX and XXXX ; Employee Discount Program discounts provided by outside vendors Welcome to the XXXX College Employee Discount Program!
XXXX XXXX XXXX XXXX VIA XXXX FRAUD CHARGES REPORT to XXXX XXXX XXXX, XXXX XXXX, XXXX Just received a XXXX charge from what appears to be your company.
XXXX/XXXX/XXXX CHECK CRD PURCHASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX? XXXX {$680.00} I am stationed overseas and was unable to check my account until today when I stumbled on it. If this is some sort of scam where your information is being used you 've got things to mend. I 've never been affiliated with XXXX in any way. I 've filed a claim with my bank hopefully it get 's resolved and we can get to the bottom of this issue.
THE PHONE ARCHIVE REPORTS OF COMPANIES CROSS-LINKED SERVICES WITH VENDOR DISCOUNT PROGRAM AFFILIATIONS WITH A LISTING OF XXXX ENTRIES WHERE THESE TYPES OF INCIDENTS ARE BEING RECORDED : XXXX Telephone Number Information data on the Internet XXXX XXXX Consumer Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Headquarters ) Toll-free : XXXX : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Toll-free : XXXX ( XXXX Phones ) Toll-free : XXXX ( XXXX XXXX ) Toll-free : XXXX ( XXXX XXXX ) XXXX
|
| 08/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
On Saturday XX/XX/XXXX I received a XXXX XXXX email asking me if a purposely closed my TS Bank Credit Card.
I immediately called TD Card Services and I was told that my account was closed because it had not been used. I explained that I purposely kept the card at XXXX balance and as an emergency credit card, once I paid off the previous balance.
The account representative asked if I wanted her to re-open the account and I said yes. The representative said the credit card was re-opened and that I need to use it to make sure it is not closed.
At an appointment on XX/XX/XXXX, to get my eyebrows done, I went to use the card and was humiliated because the transaction was declined. I immediately called TD Card Services and asked why my transaction was declined and I was told " we stopped use of your card because your mailings show I moved. I explained that all correspondence was supposed to be done through email and nothing is supposed to be mailed! I also stated that I used the mobile app to update my address and I was told " the Card Services did not get that update '' The account representative confirmed and updated my contact information for Card Services and was told I was ok to use my card.
In XXXX I called to confirm the card I had was still having problems and showing closed in my credit history. I explained this closure drastically damaged my credit/FICO score and I am still waiting on them to correct the account being closed.
This time I was told by the account representative that my card was never activated again in XXXX and the previous representatives were incorrect in the actions provided. I escalated this to a supervisor who then stated that they showed no calls from me asking to keep my card active and asked to re-apply to have my credit card opened again. I asked why do I need to re-apply for a card that you should never have closed. I have an active checking account and line of credit so I am not understanding why TD Bank would purposely close my good standing credit card account! They did not call me or email me knowing that I purposely checked to have nothing physically mailed to me.
I have complained to TD Bank about their practices after realizing that they purposely marked my line of credit and my credit card with a late fee in XX/XX/XXXX. When I called to correct no late payments, I was then told that my line of credit showed me late for a payment. In reviewing the line of credit payments, it seems that even though I made multiple payments, using the mobile app, double payments did not count for XX/XX/XXXX and TD Bank would correct the late payment in my credit history. After a few months, I called back and was told that I was given incorrect information and no correction was going to be made, despite no history of previous or late payments afterwards.
It is my belief that TD Bank is targeting and purposely destroying my credit history in an attempt to force me to use their credit card for high profit gain on interest and service fees.
I have had a XXXX XXXX account ( before it they acquired XXXX XXXX Bank ) since XXXX with no issues. Since losing my XXXX year daughter to XXXX in XXXX, I opened a TD Bank account to alleviate some despair of related memories. To date, my XXXX XXXX XXXX has never faulted nor had XXXX XXXX ever closed my accounts.
|
| 09/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
A couple months ago my partner and I received alerts that our information ( DOB, SSN ) was exposed on the dark web through due to a data breach involving my partner 's Washington, D.C.-based health insurance plan.
In XX/XX/2023, I discovered alerts on my credit report about two hard inquiries and a new account ( TD Bank/XXXX ) that I did not open. I immediately attempted to call TD Bank to tell them that the account opened in my name associated with an XXXX, Indiana, address is fraudulent. I have never lived in XXXX, Indiana. I wanted to know how I could immediately close this account. I also wanted the hard inquiries removed from my credit report.
Simultaneously, I froze my credit report and reported the fraudulent activity with XXXX and XXXX.
The first person I spoke with at TD bank on XX/XX/2023, told me that they were freezing the account under my name and would be sending me an affidavit to fill out. I never received the affidavit. In the meantime, XXXX and XXXX said they had completed their investigations and concluded, from information provided by TD bank, that the new account under my name was not fraudulent. My credit report still lists the TD BankXXXX account as open and lists two hard inquiries.
I contacted TD bank again on XX/XX/2023. I repeated that I did not open the account and wanted it closed. Once again all they told me is that they would be sending me an affidavit and that the account was frozen.
On XX/XX/2023, TD bank sent me a letter informing me : " This letter is in response to your claim of fraud on the above account. Based on the information you provided and a review of our records, we have insufficient evidence to substantiate your claim. Your claim has been denied for the following reason ( s ) : Merchant provided signed sales receipt and/or delivery confirmation, copies enclosed for your records. '' Enclosed with this letter was a merchant sales ticket for a refrigerator for over {$5000.00} paid for with an XXXX card, using my name and an address in XXXX, Indiana. It has no signature. There is also a phone number associated with the XXXX address that is not mine. The only thing that connects me to this sales ticket is my name.
TD Bank has not sufficiently addressed my claim of fraud. I did not open an account with TD Bank or XXXX ; I had never heard of them before this. I have never lived anywhere near XXXX. They allowed someone to use my information to open up an account and now are refusing to investigate or address my concerns of fraud.
It is distressing enough that I am the victim of identity theft. That a company would be so indifferent to a claim of fraud is unconscionable. I do not know how to close this account in my name or ensure that the person ( s ) who opened this account can not continue to access it. I also have received no information about what will happen when this {$5000.00} bill is not paid. Until I received the XX/XX/XXXX letter from TD Bank, I did not know that anything was purchased with the card or with a bank account. I don't even know if this account is associated with a debit card/bank account or a credit card because I did not open the account and TD Bank will not provide any information.
I would appreciate an investigation into TD Bank 's fraud department and a resolution to my case.
Thank you very much.
|
| 04/30/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
My wife and I had a consolidation loan, checking acct with TD Bank. Last XX/XX/XXXX we went into the local branch to conduct some business and the representative asked us if we were interested in a credit card. They said if we spent so much we would get {$150.00} back. This sounded interesting. When they ran my credit, I was awarded a credit card with a {$20000.00} limit and my wife was awarded one with {$7800.00}. I was shocked because I know I have a lot of things going on with finances. She said we could consolidate debt, take a cruise, etc. So based on all this information she sold us on, we accepted the terms.
So I used my card to payoff 2 credit cards which was about {$7500.00} and put another {$5000.00} on the card for about {$12000.00} in use.
Then around XX/XX/XXXXof this year they send me a letter saying they ran my credit and based on that, they would have to reduce my credit limit to {$13000.00}. They also said another reason was I was delinquent on my last payment. Delinquent, excuse me! Delinquent is when you are more than 30 days late not 4 days late. I happened to be sick during that time is the reason It was 4 days late.
This Bank sold me a bill of goods to open up two new credit card accounts. I expected them to honor that obligation.
If you look at the reason my credit score was what it was when they not only approved me for a credit card but for {$20000.00}, it pretty much matches the reasons they now say they have to reduce my credit limit. Yes my score is lower but it's still good.
It's ironic, I had a consolidation loan with this bank and they give me a credit card. I actually paid off the consolidation loan prior to them reducing my credit limit.
I'm sick and tired of financial institutions playing XXXX with folks. They seem to do whatever they want without a penalty yet the honorable consumer gets screwed.
Yes I put money on that card, we're in the process of fixing up our house to sell it. Isn't that why I have a card is to use it when I need to?
I have done nothing to this bank to place any doubt on whether I can honor my obligations because I always pay my bills. But my bank has now turned against me and reduced my credit limit. I was at a 63 % debt ratio and by them reducing my credit limit that has changed to 93 %. This will certainly cause my score to drop even further.
If we sell our house in the next 2-3 months, I will be shopping for a mortgage and now by TD bank actions, my score will be even lowered which may affect what kind of loans we can get. I feel betrayed by this bank. The ironic thing is despite our circumstances this bank still sends My wife and me mailers to do business.
There is something seriously wrong here when Financial Institutions can play XXXX with peoples credit scores. They sold us a bill of goods for us to open up credit card accounts. I have honored my obligations and they have reneged on theres.
Their actions are going to lower my credit score even lower which is what I don't need now. I have done nothing to deserve this. I have fulfilled all my obligations with this bank.
I currently have a checking account and this credit card account with them. I had a consolidation loan with them which I paid off ahead of time and this is how this bank chooses to treat this customer. They should be ashamed of themselves.
|
| 09/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
|
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ACCOUNT NUMBER XXXX TD BANK SUPPOSEDLY CLOSED MY BANK ACCOUNT FOR FRAUD BUT IT WAS DUE TO BAD MANAGEMENT BUT THEY REPORTED ME TO EARLY WARNING SERVICES AND NOW I CAN NOT OPEN BANK ACCOUNTS, I suffered from bank fraud in my first account with TD bank ( my account ending in XXXX ) where I made a dispute about the money that had been stolen from me and indeed the bank contacted me to indicate that if I had suffered a robbery that the bank would respond for part of my money.
One week after the money was returned to me, I went to the branch in XXXX FL XXXX where XXXX was the banker who assisted me, he told me that the money that had been returned to me was ready to be used and that if I wanted he would open a new account for me ( the one completed in XXXX ) Which I asked him if I shouldn't wait for a few days or months and to which the banker XXXX told me not to worry that even he ADVISED ME AND I QUOTE- YOU SHOULD AT LEAST GET THE HALF OF ALL YOUR MONEY BECAUSE IF YOU WERE STOLEN ONCE IT'S BETTER TO HAVE IT IN OTHER BANKS OR IN CASH- to which I agreed to follow his advice and send part of my money to my XXXX external accounts with another bank, for three days later after discovering that TDBANK closed my account for alleged fraud.
When I talk to XXXX again he tells me that the bank regularly does that so I have to wait for my money in a check, TD BANK blocked my account on XX/XX/XXXX ( of this year ) and they blocked all my money, they said that the bank had made the decision to close my account FOR COURSE FRAUD and that they would return the money to me in a check and then week after week the assistants at the bank located in XXXX fl gave me different excuses, even mentioning that they did not know where my money was and that they did not know if they would return it to me in a check.
Time passed and every week they avoided attending me or speaking to me but one day they attended me and told me that my account was closed as of XX/XX/XXXX ( of this year ) and that I should wait until XX/XX/XXXX when a check would arrive, but on the XXXX XXXX I returned to the same branch where the man who attended me ( XXXX ) told me that he did not know where my money was and that it was best that I forget about it, provoking a strong reaction in me to the point that this worker, telling me that it was against his rules, he was showing me his computer screen so I could read the emails he had about my case ( I have video ). On XX/XX/XXXX I went back to the branch of this bank where the same man who told me that he did not know where my money was, answered me and I quote XXXX DID NOT SAY THIS, BUT THE BEST THING IS THAT A LAWYER TAKES YOU.- ( I have video ) where it tells me that the bank has made the decision not to return my money.
Almost three months later TD bank returns my money which is somewhat contradictory since if they closed it for fraud they should not return it to me but they realized that I did not do fraud, but now they left my name listed and I can not open bank accounts, I have tried to communicate with several TDBANK workers and they have all told me that the closing due to fraud was due to the withdrawal of half the money in less than 3 days, but when I explain to them that I did what the man XXXX told me to do, they all laugh And they say that I shouldn't have done it.
|
| 04/29/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
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I recently had {$3500.00} fraudulently debited from my TD Bank account. I have had numerous contacts, both written and telephonically, with TD Bank attempting to recover my funds, which I believe were stolen because of weak internal controls at TD Bank. I believe that my funds should be returned to me as they were electronically misappropriated. I further believe that TD Bank is not complying with the requirements of Reg E, the Electronic Funds Transfer Act in returning my funds, despite my following the requirements of the regulation to protect myself following the loss.
On XX/XX/2021 at XXXX, I received a call from the TD bank customer service number ( XXXX is what showed on my caller ID ). The Agent identified himself as XXXX from the TD Bank fraud department. XXXX with TD Bank advised that I had a few suspicious charges on my account from XXXX, New York. He asked for my permission to send these charges for investigation and I said sure. He added that all he needed me to do was reply Y to a series of normal cell phone text messages.
At no point during this call did I visit TD Banks website, use their banking app, provide my private information to the caller, or request that funds be transferred out of my account in any way. The call ended with no other actions taking place.
Unfortunately, what I did not know is that TD Bank had allowed fraudster access to my account without my authorization, which I believe reflects a weak control environment at TD Bank.
I have now been told that the criminal used TD Banks XXXX XXXX, a service that I have never used during my time with TD and did not use on that day either. The individual initiated twenty-three charges in total using TDs XXXX service. I believe that TD Banks weak internal controls and poor fraud control procedures allow customers like myself to be defrauded by criminals.
After the call, I went to check my account and realized something was wrong when I couldnt log into my mobile checking account. So I called the bank using the same number I always use. As instructed by TD, I notified the police of the event and have been working with a detective here in XXXX, MA. I have now submitted three written requests for return of my misappropriated funds through TD customer service representatives and sent a record of the police report as well. Further, the representative that I have been in touch with at my local TD branch has even submitted a letter of acknowledgment that my loss occurred through fraudulent means.
I have been calling customer service consistently to check up on the status of my case and to ensure they have received all the pieces of documentation required to return my funds. Each time staff ask me to repeat what happened, so it seems that TD Bank has a poor customer complaint tracking system as well as weak controls. During my last contact with TD Bank customer service, I was informed that they will not reimburse my stolen funds, hence I am writing to you for assistance.
I am hoping that your office can assist me in achieving my desired outcome which would be for TD Bank to return my stolen funds in compliance with the Electronic Funds Transfer Act and the Right to Financial Privacy Act.
Thank you for your time and thank you for any assistance you can provide in these trying economic times.
|
| 12/30/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
TD Bank, XXXX, located in XXXX XXXX, New Jersey XXXX issued a car loan in XXXX, XXXX to my daughter and I co-signed for the loan. After Hurricane XXXX in the fall of XXXX, we, like thousands of residents, had no electricity, phone or heat for over 2 months. I contacted all businesses that had loaned us money ( mortgage, credit cards, automobile loans, etc. and each and every lender afforded us a 3 month grace period in making payments. This grace period meant that the lenders waived our payments for 3 months without penalty and without reporting a delinquency to the XXXX major credit bureaus. Lenders did not waive 3 months of payments, they simply extended the length of the loan for an extra 3 months without penalty. TD Bank granted us that waiver. That meant that XXXX, XXXX and XXXX, XXXX payments were waived. One month after our payments were to resume, TD Bank, without notifying me, issued a repossession order for the car and " charged off '' the car in XXXX XXXX. As such, TD Bank did not honor the grace period granted to us and instead ordered the car to be repossessed. As the co-signer of the loan, TD Bank never notified me that the car was being repossessed. When my daughter notified me of the action taken by TD Bank, I spent days attempting to locate the department within the bank that was handling the repossession. Once I reached the bank 's " charge off '' department, I made arrangements to pay off the remaining balance due on the car. In so doing, I was provided the title of the car. In the meantime, TD Bank reported to the credit bureau 's that the car had been charged off, and they also reported that there was an unpaid balance ( not true, there was no unpaid balance ). The credit bureau 's listed this as a derogatory event, and effectively ruined the credit rating of my daughter and myself. TD Bank never lost money on their loan to us, as we paid the full amount of the loan and received the title to the car. I have spent 2 years dealing with TD Bank to have this derogatory information corrected, which they refuse to do. They also will not provide an accounting of all of the payments made on the car loan. They will only provide a payment history up to and including when they " charged off '' the car loan on XXXX XXXX, XXXX. Because of this, TD Bank is reporting {$9500.00} as an unpaid balance, when in effect the unpaid balance is {$0.00}. In short, TD Bank did not honor their commitment to allow a 3 month grace period due to hurricane XXXX. On the XXXX month after they claim the payments were delinquent, in reality, due to the grace period granted to us, there was technically no delinquency on the loan. Furthermore, TD Bank was made " whole '' in that they received all of the payments due, plus interest, for the entire amount of the loan and granted the title to the car to us. Instead of holding true to their word on a grace period, TD Bank prematurely reported the car as a charge off. In so doing, I am certain that there were certain tax advantages afforded to TD Bank by the XXXX. In the meantime, TD Bank has adversely effected the credit score for my daughter and myself, and they refuse to correct their mistaken reporting to the credit bureau 's. To do so would only prove, in writing, that the way in which TD Bank handled our auto loan was fraudulent.
|
| 11/07/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
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I signed up for an online convenience checking account on XX/XX/XXXX per a promotion that clearly stated TD Convenience Checking : {$150.00} Bonus Minimum Deposit : $ XXXX Monthly Fee : {$15.00} Minimum Balance : {$100.00} Offer Expiration Date : Unknown Earn a {$150.00} bonus when you open a TD Convenience Checking account and receive {$500.00} in direct deposits within the first 60 days. Although this account doesnt earn interest, it includes free mobile banking and deposit, online banking and a discount on your first order of checks.
I received 3 direct payroll deposits : XX/XX/XXXX ACH DEPOSIT, XXXX XXXX XXXX DIR DEP XXXX XXXX XX/XX/XXXX ACH DEPOSIT, XXXX XXXX XXXX DIR DEP XXXX XXXX XX/XX/XXXX ACH DEPOSIT, XXXX XXXX XXXX DIR DEP XXXX XXXX These clearly add up to {$500.00}, and also add up to the {$2500.00} for the {$300.00} promotion and although I didnt open the checking account for the {$300.00} promotion I believe due to all the hassle and waiting, that I deserve the {$300.00}.
The promotion goes on to say in the fine print : *Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank , open their account online via this web page and complete the required qualifying criteria. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD Premier CheckingSM account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening. {$150.00} bonus available to eligible new personal checking Customers when opening a TD Convenience CheckingSM account with cumulative direct deposit funds of {$500.00} or more into the new account within 60 days of account opening. Qualifying direct deposits are recurring electronic deposits of your paycheck, pension or government benefits ( such as Social Security ) from your Employer or the Government. Person-to-Person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 95 days from account opening. Account must remain open, active, in good standing, and in the same product type through the qualifying period to receive the bonus. Bonus will be reported as taxable income to the IRS on a XXXX. Offer may be withdrawn at any time and is subject to change. One bonus per Customer and can not be combined with any other offer. TD Bank employees and XXXX cross-border banking Customers are not eligible.
The bank workers that I have talked to ( mostly someone named XXXX in the XXXX, RI TD bank ), has come up with one excuse after another. At first I was told it would be in my account on XX/XX/XXXX, which would have been close to 95 days. XXXX and someone from the telephone center have told me that on separate occasions. Apparently, XXXX emailed the promotion center and they first told me I had the wrong bank account : NO. Then, the promotion wasnt around then it just started : NO, I brought him to a webpage that directly disputed this and he had nothing to say. XXXX and his promotion pals keep coming up with excuse after excuse and wont return my phone calls so I have to call until he " isnt busy ''.
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| 07/13/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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I had a minimum payment of {$27.00} due on XX/XX/2019. I paid {$27.00} via my online account, deducting from my checking account on XX/XX/2019. This {$27.00} payment cleared my bank on XX/XX/2019. I verified with my bank that the funds had been paid out. I logged into my credit account online to check my available credit on XX/XX/2019. The payment was still pending due to it being the weekend and not a weekly business day. I called card services and spoke with a representative who explained this to me and advised me that the payment would reflect on that following Monday, XX/XX/2019. Once this happened, my available credit limit would update. I logged into my credit account online again on Wednesday, XX/XX/2019 and the {$27.00} e-payment does reflect as being paid on XX/XX/2019. However, my available credit limit had not changed. I contacted card services again on XX/XX/2019 and spoke first with a representative and then a supervisor. Both of these individuals told me that the {$27.00} payment had been received but had not yet been posted. The explanation provided to me was that, because several months prior a payment was returned, and therefore this current payment would not be posted to my account until I gave them permission to contact my bank directly. ( The returned payment was resolved within days of the first returned payment. I also paid the fee due to that occurrence. ) I refused to do so because I felt they had no right to contact my bank to discuss my personal bank account. The supervisor I spoke with stated that unless I allowed them to do so, the payment would not be posted to my account. She stated that the payment may eventually post, at least 14 days from that date, XX/XX/2019.
I reviewed the credit card agreement online which states : " You agree to pay us in United States dollars. If you pay by check, your check must be drawn on a depository institution located in the United States. If you do not pay the New Balance in full, you agree to pay by your Payment Due Date at least the Minimum Payment Due. You may, at any time, pay the total amount owing on your Account. Payments are posted to your Account in a timely manner as required by law. However, we may delay restoring your available Credit Limit in the amount of the payment to make sure we receive the funds. '' I contacted my bank again to inquire about the credit card company 's demands to have access to discussing my bank account. The bank representative stated that this rarely occurs, only on a 3-way phone call, and that she personally had never heard of it happening for a {$27.00} payment.
My concern is not only with the questionable delay in posting my payment, which both my bank and the credit card company acknowledge to have been cleared, but also with the fact that the agreement does not put a specific number of days regarding " ... delay restoring your available credit limit ... '' Seemingly, they could delay this restoration for as long as they want. That is extremely worrisome to me.
I have continued in refusing the credit card company to contact my bank ; to threaten me by stating they will not post the payment unless I give them this permission is absurd. I don't know what else to do with this problem. It has become a much larger issue than just the {$27.00} at this point.
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| 07/29/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
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On XX/XX/20, I made an ATM deposit at the TD Branch located at XXXX XXXX XXXX XXXX XXXX NY XXXX with two money orders each valued at {$990.00} for a total amount of {$1900.00}.
On XX/XX/20, TD Bank deducted {$1900.00} from my checking account ending in XXXX when only {$200.00} from the original ATM deposit was made available. This caused an overdraft on the account due to insufficient funds.
On XX/XX/20, an overdraft fee in the amount of {$35.00} was levied on the account.
On XX/XX/20, I receive a letter stating that my ATM deposit was reduced to {$0.00} due to 'Illegiable money orders '. The letter states that this is to correct an error on my deposit. Unfortunately, the ATM scanner was not able to detect the ink on the money order as it was set to only read in the greyscale color scheme. I reached out to TD Bank via telephone, only to be told that this can only be solved at the branch where I deposited the money orders. The branch where I made the deposit is over 140 miles from my home of residence. I told them that a five hour round trip commute to resolve my missing deposit was unacceptable and that the branch was temporarily closed indefinitely at the time. I was told that an in branch visit is the only way to resolve this deposit error.
On XX/XX/20, after multiple attempts to reach the XXXX XXXX branch, Mr XXXX reached out to me in an attempt to resolve the matter. Mr XXXX reviewed the deposit error correction document dated XX/XX/20 and repeated that a TD branch visit is my only choice in resolve this matter.
On XX/XX/20, following the advice of Mr XXXX, I drove 40 minutes one way to the closest TD branch in XXXX, CT from my home of residence. The branch manager was not available so I left a copy of the ATM error correction letter to the teller. Mr XXXX, the branch manager reached out to me later that evening telling me that there is nothing he can do and that he will reach out to Mr XXXX to resolve this issue. Mr XXXX told me he will reply to me after a 48 hour turnaround.
On XX/XX/20, after not hearing from Mr XXXX, I reached out via email for a status but received no reply. On the same day, Mr XXXX reached back stating that he is starting the resolution process by sending an inquiry to the ATM settlement group.
On XX/XX/20, a maintenance fee was levied on my checking account due the ATM deposit removal and the overdraft fee reducing my balance to less than {$100.00}.
On XX/XX/20, I reached out to Mr XXXX on the inquiry to the ATM settlement group. He stated that there has been no response and suggested that I reach out to the money order issuer to re-issue new money orders. I reached out to XXXX regarding new money orders, of which replacements would cost {$18.00} each and requires at least 7 business days of processing and another 3 days for mail delivery. I reached out to Mr XXXX regarding the cost of replacement on which he stated that proof of the replacements fees would be required as proof.
I find that burdening me with the task to replace my own money orders to be an unacceptable resolution. It has been over 30 days since the ATM deposit and funds have still not been made available. I still have financial liabilities and obligations that is severely hindered by TD Bank 's inaction and lack of speed in resolving this matter.
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| 12/14/2017 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Banking errors
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Web |
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I got a call from XXXX XXXX at TD Bank at XXXX XXXX XXXX XXXX in XXXX, NY. She is the store manager. The voice mail was left on XXXX XXXX XXXX. I called her back and was told that they found some extra keys for my safe deposit box. I thought that was strange, but since i was in the middle of work and renovations to my office, I just thought I would go in when I had a chance. Then she called again a few days later to make an appointment to meet her at the branch at XXXX on Thursday the XXXX. When I got there, she ran over to me and shook my hand and was very cordial, which was a bit worrisome since we have never met.
My husband and I sat down and she proceeded to tell us that they accidentally drilled my safe deposit box. But because of the error, they said they would give me a larger box for free for a year. Thinking she must be mistaken, I asked her if we can take my keys and just go in so I can see for myself ... she said no because the locks were changed.
Then thinking I have no options, I asked if I could transfer the contents that were in my old box into the new box. She told me no because your box was empty! When in fact, I had ALL our legal papers in there and that it was full. The she proceeded to say that there were 4 people in the SD area when it was drilled and they all signed off that there was nothing in the box.The notary was XXXX XXXX XXXX. XXXX gave me the paperwork for XXXX XXXX XXXX to XXXX XXXX who had just passed away. My box was XXXX XXXX XXXX. Paperwork said, " No Contents ''. Going home, I thought to myself that this paperwork does not prove that my box was drilled and that it had no contents ... .totally confused, I went back the next day and again requested my keys back ( since she asked me to surrender them ) to see for myself. XXXX told me that the keys were destroyed.When I did tell her about everything that was in there she said, " Well, I guess we will have to take your word for it, ( like I was making it all up! ) She did say that the bank would pay all my fees for the title searches for two deeds as well as the stock certificates for my CoOp. Also had my divorce papers, name change papers, marriage certificate for my current marriage, birth certificates, life insurance policies, appraisals and two pieces of good jewelry, etc ....
Then I asked her about all the time I will have to spend to get all this back ... .Needless to say, I was very stressed out. I started the procedures to get all my paperwork re-instated.
About a week later, XXXX called and left a voice mail to call her back because she had good news. I thought that they must have found my contents. When I called back, she said that they did not drill my box after all and that my old keys were locked in her desk. Since she told me previously that my old keys were destroyed, .... I felt that she purposely lied to me. I was out of town so I went to the branch after calling before hand and since XXXX was in conference, I worked with her assistant, XXXX. XXXX said that when they opened my box, that there was in fact, a lot of legal paperwork after all. UGH! They actually opened my box without me being there and with out my permission!
Needless to say, I took everything out of the box at TD and but in a box at XXXX.
My name is XXXX XXXX XXXX XXXX and XXXX XXXX
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| 04/29/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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These items are inaccurate or incomplete. The number of charge offs are inaccurate. It is illegal for third parties to collect debts. The past due amounts are inaccurate. Debt has been added that should not have. Please provide documentation where I authorized and signed up for such an account. Please verify recent balance, credit amounts, and status are all inaccurate. I am requesting that the item be removed if it can not be verified in a timely manner, and in the event it can not be resolved please provide an exact date that it will fall off my credit report. Or provide a date when the account will either close or return to positive status. Delinquency dates and codes are incorrect ; I have never received any information to validate or verify these accounts. Please provide me with data for the party 's credit relationships established with and not secondary bureaus because their information is not first hand and at times inaccurate.
The account reporting is inaccurate. The date of last payment is not posted, the amount of the monthly payment not posted, in addition to the fact that the statement balance is missing as well.
This letter is to inform you that the above referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information.
I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts?
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner.
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation.
I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my credit reports and to correct your records. It is illegal to share and furnish these accounts and my information without my written permission. Remove them immediately
|
| 04/25/2015 |
Yes |
- Bank account or service
- Other bank product/service
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- Making/receiving payments, sending money
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Web |
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The loan system of TD Bank is very confusing. I was rejected today by TD bank to waive the late fee after my best effort to correct a late payment situation. I then realized that it is TD Bank 's deliberate intention to create this confusion to make extra profit by collecting late fees on customers. For a {$2400.00} tax escrow late payment, TD charges {$160.00}, which is 6.54 %.
Almost all other banks I have dealt with either send a coupon booklet for XXXX month payments or mail a monthly statement consisting of both loan and escrow payment. In contrast, TD Bank mails out XXXX separate statements with XXXX payments due monthly. The XXXX is the escrow statement every month around XXXX and due on the XXXX of the following month while XXXX statement is for interest and principal payment around end of the month and due on the XXXX of the following month. Meanwhile TD requires the borrower to maintain a checking account for TD 's direct withdrawal.
Ever since I had this loan at the XX/XX/XXXX, I have always made my payments on time. I usually set auto pay for the ones with coupon booklet. For those which do not send coupon booklet, I rely on their statement to pay my mortgage because the annually changed tax escrow amount. However, the past XXXX, for whatever reason I did not receive XXXX credit card statements and TD 's escrow statement on time. As soon as I was aware of the lateness, I contacted XXXX XXXX, my account manager from TD Bank. He advised me to pay personally at one of their branch. So I did and also established the auto transfer to my TD checking accounts according to my best estimate. From my track record, XXXX waived my late fee and interest immediately after I explained, but not the TD Bank.
Before TD turned down my request, XXXX XXXX arranged a meeting with me and expressed that TD will need more business to exchange for this waiver. At the same time he also agreed with me that TD 's XXXX a month loan statements are inefficient and confusing.
When I followed up with XXXX XXXX on XX/XX/XXXX, I was told that his supervisor rejected it because I have no potential profit to them. I am shocked that a world known bank would handle situation only based on interest instead of fairness and principle. I have been a manager in real estate business for XXXX years, never paid a late fee. All US banks small or large are very reasonable. They base your track record and allow you at least XXXX time late payment leeway. Nevertheless, the TD Bank refuses any refund for the bewildered system uniquely from all others regardless if you have been a good customer so that TD can easily earn the extra profit whenever an oversight happened. The late fee of {$160.00} was only for the lateness of the escrow. I wonder if I would be end up with another late fee of {$170.00} based on the same 6.54 % calculation if the XXXX part of payment which is for interest and principal of {$2700.00} was late. As a reference, I have a similar amount of loan with XXXX XXXX XXXX, its late fee for both loan and escrow is only {$87.00} per month.
If a huge corporation like TD Bank has some ethic value in this business, I believe TD should at least give its customers one chance to refund their hard earned money and more importantly correct its system to clarify its parts of duty.
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| 01/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American, Servicemember |
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What Happened I am XXXX years of age, XXXX, and am a victim of severe elder abuse relating to my finances. The details are as follows : On XXXX XXXX my personal computer locked up. Then a message appeared on the screen instructing me to call XXXX at the number provided. I did. The rep who answered told my computer had been hacked and my financial information was compromised. She asked me for the Customer Service telephone number on the back of my debit card and said she would add them on the line for me.
A new person called on the cell and the first person dropped off. The new person identified himself as a XXXX XXXX employee who was part of a special group assigned to work fraudulent activity for XXXX. He told me my bank accounts had been compromised by the computer hack and I needed to act immediately to avoid loss. He literally terrified me to the point I could not think clearly. He instructed me to withdraw all my funds from all my bank accounts and to also withdraw all the cash advances available from all my credit cards.
He said the hacking might well be the work of a bank employee, so I was to tell absolutely no one why I was withdrawing the cash.
Since I believed he was a bank employee, I did as I was instructed, withdrawing {$15000.00} in cash from my XXXX account, {$3000.00} in cash from my XXXX account and {$10000.00} in cash advances from my credit cards.
He then instructed me to deposit the cash into a XXXX ATM.
They would hold the money safely for me until my accounts at the banks were secured. The money would then be transferred back into my accounts.
He then instructed me to purchase XXXX {$500.00} gift cards using my credit cards and provide him the PIN numbers on the back. I did so.
I have now realized these instructions were all fraudulent, done solely for the purpose of stealing my money. I did not understand anything about what was happening and was so frightened I could not see what was going on.
The total losses incurred were : XXXX XXXX Acct {$3000.00} withdrawn on XX/XX/22 XXXX XXXX XXXX XXXX Acct {$15000.00} withdrawn on XX/XX/22 {$9400.00} withdrawn on XX/XX/22 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Total Loss {$29000.00} I wish to assert my Regulation E liability limit of {$500.00} with each institution. The perpetrator gained fraudulent access to my computer as well as my accounts. Regulation Es Official Interpretations, found in Supplement I to Part 1005, specifically addresses my situation : an unauthorized EFT includes a transfer initiated by a person who obtained the access device from the consumer through fraud or robbery. The banks with whom I have discussed my situation did not think a Regulation E dispute was not applicable to recover the funds that were fraudulently withdrawn.
I am now receiving interest, late notices, and penalty charges, from the credit cards and realistically can not pay back the cash advances without extreme hardship.
My total annual income is {$28000.00}, most of which is Social Security.
I desperately need help in recovering as much of these losses as possible and respectfully request your help.
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| 08/18/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
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Web |
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As I do with all my bills and credit cards ; therefore, I am experienced at setting up ACH payments. I set up a ACH bank payment to pay the XXXX XXXX XXXX XXXX credit card several days before a payment of {$51.00} was due on XX/XX/XXXX. I scheduled payment in full to happen on the due date of XX/XX/XXXX. On payment date through XX/XX/XXXX I received no notice in any form from XXXX of payment or nonpayment. On XX/XX/XXXX, I went on my bank 's website and noticed that no ACH debit took place for XXXX and I called XXXX XXXX XXXX to find out what happened. Instead of taking payment or receivng cooperation, I got a rude and indifferent telephone customer service representative who could not offer any help, only telling me that the ACH payment failure was my fault and that I did not qualify at the time the credit card was opened for an in-house program that allows refund of the Returned payment fee ; therefore, I now had to pay a {$27.00} Returned payment fee, plus {$1.00} in interest charge. I asked to speak to a supervisor, he did not offer any remedy and said if I disagree the only method to address the matter was to write a letter to XXXX in XXXX and mail it. I find writing a letter and waiting for a reply very archaic in this age of internet and credit card websites and is a set up for unnecessary delay and credit card company stonewalling. Sadly, I was right. To date, I am very disappointed in XXXX 's slow response. I did write a letter dated XX/XX/XXXX requesting that XXXX cancel and credit me for the usury-level and excessively high {$27.00} fee ( more than 50 % of the balance due ), plus the {$1.00} in interest. In the same letter, I asked for a hardship waiver since my mother a part of my immediate family is with XXXX XXXX XXXX XXXX and has caused significant medical cost financial burden to me. I received a reply by mail on XX/XX/XXXX dated XX/XX/XXXX not allowing reversal of the returned payment fee and that " the payment was n't due to an error that XXXX could 've [ sic ] prevented ''. Nothing was made of the hardship waiver request. Prior to receiving the long overdue reply letter I did take the initiative to call XXXX XXXX XXXX again and only got the indifferent response of not to expect much in the letter in the mail. I did ask, if such was the case, to ask for a reconsideration. Such triggered a second XXXX letter dated XX/XX/XXXX and received today XX/XX/XXXX and it used the same language as the first XXXX letter of XX/XX/XXXX rejecting my requests. Calling XXXX just results in unempowered and unhelpful customer service representatives, writing to XXXX caused delays, insensitivity and stonewalling. I did not set up an ACH payment to fail, that is absurd. I want an end to XXXX 's delays that equates to fees that XXXX now wants to charge me. I want XXXX to assign a real human being to resolving my matter, see my XX/XX/XXXX letter, see its sincerity and reversal all fees, interest, and clear my credit, all caused by XXXX 's undue and unfair delays in responding and inability to resolve. I have from the beginning offered to pay the {$51.00} bill and am still willing to do it, just only if XXXX set up its customer service and/or Website allowed me to do so, neither offer me this option, thus I am stalled at getting to a resolution, as is!
|
| 12/12/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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My father and I had a car loan taken in XX/XX/XXXX. We went to XXXX dealership in XXXX XXXX, XXXX NY. We filled out paper work with myself being the co- Signer. When the final paper work was drawn up, the amount was over {$900.00} a month. The finance manager assured we can come back in 6 months and have the amount reduced. After 6 months we can back and the entire staff was changed with new employees. They could not honor the refinance. In XX/XX/XXXX we decided to voluntarily give car back to TD bank who was financing the car. After several attempts we finally got TD bank to pick up the car.
During the time Of XX/XX/XXXX and XXXX of XXXX, I did ask For the contract. The XXXX dealership told me they will send it in an email. It was so frustrating I gave up and during that time we were giving back the car. A month later I had a credit repair guy help me situate with the TD Bank. The dispute was with giving the car back and owing the rest of the amount. After another several Months, the credit rep finally got the contact in full on XX/XX/XXXX. After a through review, I noticed that the info my father and I had on the contact was false. If they took our original information we most likely would not of got that expensive car. They put down that my father and I make {$5000.00} per month each. They also put down that I did not pay rent and I live with a relative. Both statements are not true. I do not make XXXX per month. I do not live with my relatives, I live with my wife and XXXX kids. Did attempt to call TD back on several occasions but could not get in touch anyone who want to hear what I have to say. I was so desperate I had to go on the XXXX messenger to find their company and see if I can talk to someone. The representative did not take enough interest to understand that the information that was the from the XXXX dealership to TD bank was false .I have documentation to prove that we do not make XXXX per month and I do have a definite prove that I do not live my relatives as I am so a married person with XXXX kids.
The amount that was financed was {$73000.00}. Our monthly payment was XXXX per month. The reason the high amount is we gave in a car to trade. I told Td Bank at the XXXX dealership has falsified info.
I have heard From other individuals that to the XXXX dealership in the XXXX New York has practice scamming customers. In our situation my father was taken for what he had by falsifying his information to show how much he makes per month. My father is on SSI and XXXX. And makes only {$1900.00} a month.
As of now I am being given a paperwork in regards to possibly being sued for the amount when is that I reached out on several occasions to try resolve this but they said because we signed it is valid. When we sign it was all electronic. So we did not actually see the contract in front of us to review and if we did I would definitely stop it. They really put on a show for us and deal with this supposed to do so Sell They say we owe XXXX. I also explained during the time of the car be given back that we do not make that much and this is why we give the car back. I also asked the XXXX XXXX if they can help us try to resolve this matter without charging. I didnt not get any correspondence with any of the things I asked expect a bill
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| 10/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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On XX/XX/XXXX I received a notification from one of my credit monitoring services that there had been a change in my credit report. About an hour later I received a call from Nordstrom Credit that my account was past due.This was a surprise to me since I have had this account since XXXX ( 10 years ) and have always had it on auto-pay ( as I do with all of my accounts ).
I had not used the card ( there was a {$0.00} balance ) for quite some time prior to the recent purchases I made, so no payments were coming out of the account. I assumed that the autopay was still in place, but apparently it was not.
I immediately paid the {$120.00} balance due. I then called Nordstrom and explained the situation, they refunded the {$40.00} in late fees as a one-time courtesy since I have been making on-time payments for 10 years. I asked them to remove the delinquent payment report to the credit bureaus and the representative said that she would " see what they could do ''. I then filed a dispute with XXXX which was the only bureau reporting the account delinquent at the time. My credit score dropped XXXX points due to this.
Today I received a letter in the mail from one of my credit card accounts, XXXX XXXX XXXX informing me that they were closing my account due to my credit score drop and " serious delinquency '' on my credit report. This is completely unjust.
Missing one payment on one account by accident in 10 years is hardly " serious delinquency '! As it happens, the XXXX credit card was one that I haven't used in some time, but I kept it in case of emergencies which is what responsible people do.
So, there are several issues here, all of which are unjust : 1 ) Nordstrom should have revoked the delinquency report. I made the payment as soon as I was made aware and they refunded the fees as a result of my excellent payment history. It's not right that a company can cause such damage for such a minor and isolated offense. That " serious delinquency '' will appear on my credit report for 7 years and have a significant impact on my ability to secure credit. That is just not right!
2 ) The credit bureaus should have to make sure that a delinquent report is legitimately a case of serious delinquency before characterizing it as such on someone's credit report.
3 ) Inadvertent and/or isolated missed payments should not be characterized as " serious delinquency '' and should not be carried for 7 years. That's excessively punitive.
4 ) Banks should not be allowed to just cancel credit card accounts based on this kind of mis-information. Aside from this infraction I have an excellent payment record across all of my accounts and my credit utilization is currently at 24 % ( mainly due to a recent home improvement ) which is below average.
This incident is a blatant case of consumer bullying by large corporations who know that they can act with impunity. Thankfully, I am not in the position to need to secure a mortgage or a car loan or any other kind of loan in the near future, but what if I was? I would sustain a large penalty and possibly not even be able to get the loan because I inadvertently missed one {$40.00} credit card payment in 10 years. This is complete injustice and consumers like me should be protected from it.
Please make this right.
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| 05/22/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
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Web |
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Dear Sir or Madam, I am setting out the chronology of events that prompt my complaint. In sum, TD Bank charged me interest because of an existing balance at the end of the deferred-interest promotional period. TD Bank, however, fails to acknowledge that their faulty online bill payment platform contributed to my having had that balance.
At the beginning of my interest-deferred promotional period I used their online bill payment platform to schedule recurring monthly payments which would have cleared the balance during the promotional period. Despite confirming that my instructions were " submitted '', the online bill payment platform did not execute my instructions ; instead, it paid only the minimum amount monthly - so I had a balance at the end of the promotional period. Most significantly, at no point during the promotional period did the bank communicate to me either directly ( via email, text, etc. ) or on the bill payment platform itself that my instructions had been canceled or otherwise overridden. Indeed, when I wrote to TD Bank recently, their bill payment platform still reported my monthly auto-payment instructions at the higher amount as " submitted '' ( not " canceled '', which is another option available on the platform ). In essence, they have a platform that lulled me ( and likely other consumers ) into relying on their representation that I had taken all of the steps necessary to avoid extra costs. Then they assessed me those extra costs.
Many consumers use creditors ' auto-payments options so that we can forego constant vigilance with the confidence that we have " taken care of everything. '' I have never before had an recurring payment instruction ignored without warning or explanation. I believe TD Bank 's ongoing practice of not expressly warning consumers that their recurring payment instructions will not be executed to be unethical and fraudulent and, at worst, merely a means to secure extra fees.
Chronology : XX/XX/XXXX : I purchased a furniture set for {$2000.00} from XXXX XXXX XXXX on a 12-month interest-free promotion. For the purposes of the promotion, the beginning of the 12-month period was XX/XX/XXXX.
XX/XX/XXXX : I used TD Bank 's online bill payment platform to arrange the payment of $ XXXX. The platform 's page indicated that the instructions were " submitted ''.
XX/XX/XXXX : I had a house fire and was displaced thereafter for XXXX months. During my displacement, I had sporadic access to mail and was grateful for the autopayments I had set up with my creditors.
XX/XX/XXXX : The date by which the original purchase price would have been paid off.
XX/XX/XXXX : I purchased another furniture set from XXXX XXXX XXXX to replace the set destroyed by the fire.
XX/XX/XXXX : I was assessed {$570.00} in deferred interest charges because of the ongoing balance on my purchase from XX/XX/XXXX.
XX/XX/XXXX : I was assessed {$48.00} in interest on the unpaid balance from the XX/XX/XXXX purchase.
XX/XX/XXXX : I emailed TD Bank and sent a current screenshot of the online bill payment platform showing that my XX/XX/XXXX instructions to pay $ XXXX were still marked as " submitted '' on their system.
XX/XX/XXXX : TD Bank responded to my email with a letter stating that " The finance charges were valid.... ''
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| 03/29/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On Wednesday, XX/XX/, I received a notification via mail from Nordstrom, dated XX/XX/. This notification stated that they were attempting to collect a debt of {$3400.00}, which I was completely unaware of.
I immediately reviewed the payment history on my account and saw that I paid the minimum balance in full on XX/XX/XXXX ( {$150.00} ) and then again on XX/XX/ ( {$470.00} ).
I then reviewed the alert history on my Nordstrom account, my physical financial files, as well as my personal email and confirmed that between XX/XX/ and XX/XX/, I received no written or electronic notification that the account was past due other than this letter dated XX/XX/XXXXUpon reading the letter, it was clearly stated that Nordstrom was attempting to collect a debt. However, it was also clearly stated that I had until XX/XX/XXXX to dispute this debt and only then, if Nordstrom received no response, would they consider this debt valid. Nordstrom subsequently reported my account as delinquent to XXXX on XX/XX/, long before the XX/XX/XXXX dispute deadline, resulting in a XXXX point reduction in my credit score.
Upon receiving this written notification, I called and spoke with a representative and was only then notified that my account was overdue. The representative informed me that accounts are reported as delinquent after 2 months. Upon reviewing my credit report, however, I noticed that the account had been reported as a 30 day delinquency prior to the 2 month past due mark. At this point, I had also already paid the total minimum payment of {$470.00} meaning the account was current. This again occurred long before the XX/XX/XXXX dispute date.
Upon further review of the written notification, I also noticed that it did not include the minimum payment needed to make the account current. It only included the total balance on the card which is not the amount I actually owe nor the amount owed that was reported to XXXX.
When I look at what was actually reported, I see that I owed an outstanding balance of {$310.00}. Neither this amount nor the equivalent amount owed as of XX/XX/XXXX were included in the written notice. It is incredibly confusing. I can not tell from the written notice the total amount I actually need to pay resolve the delinquency.
I would like to dispute this debt and have the delinquent account removed from my credit record. Nordstrom did not clearly communicate that the account was past due in XXXX, XXXX, or in XXXX, and did not clearly indicate the total amount due to make the account current on the written notification. They also reported the account as delinquent prior to the dispute deadline. It is very clearly indicated that Nordstrom wouldnt consider this debt valid until after XX/XX/. Also, despite all of this, Nordstrom continued to allow me to use the card in XXXX, XXXX, and XXXX with no notification that the account was overdue or that they would be reporting the account as delinquent.
Again, the total minimum balance on this account is currently paid in full and has been since XX/XX/. This was weeks before the XX/XX/XXXX dispute deadline. I will also, as of XX/XX/, have mailed a response to Nordstrom disputing the debt but again, they have already reported the delinquency and significantly lowered my credit score.
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| 09/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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( Account Number : XXXX ) I would first like to start off by saying I hope you are safe and healthy during these challenging times. I am writing to you because I noticed that my credit report contains late payments reported on ; XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 for my XXXX account. I have been in contact with XXXX XXXX ( CEO of Nordstrom ) directly about the matter and i havent been successful in getting the late payments removed even though they are in violation of the following consumer laws : 15 USC 1681b and 15 USC 1666b. I received the credit card agreement and a material disclosure of the finance charge and it mentions TD bank a lot through the agreement and i wanted to dispute these late payments for your retail card with TD directly.
I would like you to know that during the delinquent period I was hospitalized and severally ill. I have provided documentation from the physician as well as the nurse to support this notation to the dispute center and nordstrom itself. I understand that it is my financial obligation to pay the account balance on time. But at the time I did not enroll in auto pay and I could not pay my bills because I was fighting for my life. I would have an excellent credit repayment record if it wasnt for my hospitalization. I made a mistake in falling behind but since then I have made my finances my number one priority and have been making payments ontime for the past two years. I have marked the due dates on my calendar and set my notifications and reminders on my phone and other devices that I use. I have reach out to my other credit card companies that i have late payments in and they all gave me a goodwill adjustment because of my payment history and the length of time I've been in business with them. Im not really sure why nordstrom is out right refusing to extend a goodwill adjustment to me because all credit companies have to follow the same exact credit laws.
I recently got an eviction notice from my current residence and I am scheduled to get evicted from my home in a few months. I have tried to apply for housing elsewhere, but I keep on getting denied because of my delinquent payment history. The delinquent payment history is making it nearly impossible to find an apartment and I am on the verge of being homeless. I plead with you please remove the late payments as a courtesy because I am trying my hardest to prevent me from being homeless. Its even more scary that the supreme court just overturned Bidens law that protects the rentors. Me being homeless may happen sooner than i anticipated. I am extreme scared and worried about my livelihood and future. I am a XXXX in college who is studying to obtain a XXXX in XXXX as well as a minor in XXXX. I do not want my bright future to be ruined by a few XXXX dollar late payments. The delinquent payments do not reflect my creditworthiness and commitment to repay my debts. It would be very helpful if you could make a goodwill adjustment to remove the late payment XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019. Thank you for your time and consideration and I sincerely hope you approve my request because I will be homeless if the request is denied. You can reach me at XXXX. I hope you and your family is safe during these challenging times.
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| 04/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XX/XX/XXXX at XXXX XXXX I received a notification that a new hard inquiry was on my account from TDAF ( TD Auto Financing ) that I did not give any authorization for. Upon investigating XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX ) ran my credit through TDAF without my authorization. I visited the dealership on XX/XX/XXXX at XXXX to purchase a used XXXX XXXX XXXX XXXX XXXX XXXX Miles VIN : XXXX Stock number : XXXX. I provided them with my own financing from XXXX XXXX XXXX gave them the letter with the Application number and Policy number so finance dept can smoothly process the transaction and paperwork through XXXX XXXX XXXX ONLY I stated at the dealership I do not wish to run my credit against any other entities as I do not want any unnecessary inquiries. Upon realization of whom could have possibly ran my credit I called the manager XXXX XXXX. where he stated " yes we did run your credit through another entity but it will drop off your credit report in 3 weeks '' I stated I did not authorize my credit to be run as I had previously discussed on XX/XX/XXXX between XXXX XXXX and XXXX that I already came with my own financing and have no wishes to run my credit for a chance at a better rate. manager stated this is normal everyday business we do this with all customers buying a car. I immediately called the credit bureaus spoke with representatives that stated this report will not drop off until XX/XX/XXXX. XXXX rep stated the manager at the dealership would be the only one who could get this removed. I called the manager XXXX XXXX back and explained I spoke with the credit bureaus and they stated the originator of the inquiry would be the only person to recall it as it was not authorized. the manager XXXX XXXX stated " well its already too late the credit has been run. there isn't anything I can about it. we can talk more about this when you come down to pick up the car you purchased what time are you coming Saturday? '' I explained to him you have to call TDAF back and recall the inquiry as it was not authorized and that I will be down Saturday morning if not sooner I will call ahead to let them know if I can come before Saturday '' he stated with an annoyed, irritated manner " okay ill call TDAF now '' and hung up with such haste with zero assurance he would handle this. He brushed me off during both conversations. they got the sale and they no longer care about the customer as they ran my credit without my authorization. then proceeded to lie stating the inquiry will fall off in a couple of weeks. after officially confirming with the credit bureaus that in fact is a lie. " If we can see it then its staying on there for a while unless they remove it. '' was stated by XXXX. I'm not asking for anyone to be in trouble I just want this to be rectified since it actually can be rectified. were all suffering with this pandemic and everyone is stressed. I'm aware of that 1000 % I was shocked to see the inquiry as I felt I could trust this dealership based on reviews and others raving about past experiences. just another XXXX Dealership letting down their customers. I am ultimately done with XXXX as an entity at this point. I've given them some time before submitting this issue here I want that to be known as well.
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| 11/01/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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On XX/XX/2022, I was the victim of fraud. I had an item for sale on XXXX XXXX for {$300.00} and received an interested buyer. The man offered to pay me on XXXX and pick-up the item the following day. I never used XXXX before, but he told me it's already linked with my bank ( which I saw on my bank app. ) So, I gave him my email to send the money to. I then received an email that looked like it came from XXXX, stating that my account was restricted due to an account limit. It said that the buyer had to send me an additional {$500.00} in order for me to upgrade my account to " premium. '' I thought this was strange, but " XXXX '' told me that this happens with new users on XXXX, and he would send me the {$500.00} to upgrade my account, if he had my trust to pay him right back. I thought this was a real, honest person so I told him I would absolutely pay him right back. I then got another email that I thought was from XXXX, stating that the {$800.00} was now in my account and I had to transfer the {$500.00} that the person " paid '' me to a XXXX agent, so the money could be returned to " XXXX. '' So I did it, I sent {$500.00} to who I thought was a XXXX representative. This of course was the scam, as " XXXX '' didn't actually pay me anything. I then got another email that I had to pay a {$1000.00} proof of funds fee to receive my original payment today. I was able to cancel that transaction before it went through, because I luckily sent it to the wrong email and immediately reversed it. At this point I'm getting very frustrated, as I just wanted to sell my XXXX XXXX item. I finally called XXXX and they informed me I was the victim of a scam, and that of course XXXX had no responsibility to reimburse me for my loses. I immediately called my bank ( TD ) and informed them of what happened. They told me to call them once the transaction of {$500.00} was no longer pending, because there wasn't anything they could do to dispute a pending change. I'm not sure why they couldn't just cancel it, since it was pending. Anyway, I called them the next day once the charge was no longer pending. They took my summary of what happened, and said they'd conduct an investigation and I'd receive a letter in the mail in 7-10 business days with the results. I got the letter which denied the dispute because I intentionally sent the {$500.00}, and their investigation was concluded. I called my bank to try and argue this, as I sent the money to someone impersonating a reputable financial institution. They said they'd file the dispute again, and I'd receive a notice in 7-10 business days. It's been over 10 business days and I've received nothing. This is my first time being a victim of this type of fraud and I feel I should be reimbursed the {$500.00} I lost. The bank could have cancelled the pending transaction before it even went through. The bank could have tried to get the money back from the account it was sent to. This is a XXXX XXXX corporation, and I'm just a lower middle class person trying to pay rent and make extra money on XXXX XXXX. That {$500.00} is a big deal to me. I've been a loyal customer with TD Bank since I was a teenager. Shouldn't my money be under some type of insurance protection from this type of fraud? I just want what's rightfully mine.
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| 07/11/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : A TARGET NATIONAL BANK XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 08/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Older American |
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We bought our car after the lease from XXXX, XXXX financed it through TD bank, on XX/XX/XXXX. We made the first few payments but when we reviewed the contract XXXX overcharged us by XXXX and we filed a complaint with the NY attorney general who found we were correct so they had to give it back to us. XXXX made a payment to our loan in the amount stated in XXXX. When I logged into the TD website to make my XXXX payment it showed the XXXX payment was made and it said no payment due until XX/XX/XXXX and the payment going forwrd would be XXXX mount from XXXX we were paying. I checked again a week later and it still stated no payment due which we were happy with. In XXXX we received a statement saying we missed XXXX payment with a late fee and XXXX was due. My husband called on XX/XX/XXXX and the woman he spoke to acknowledged that it did say in XXXX that no payment was due until XX/XX/XXXX but that the payment should have been applied to the principal instead of future payments and that the payment and end of loan date would be the same/ I said that was incorrect because the monthly payment was based on the original loan amount of XXXX but now the loan amount remaining was XXXX so if we keep paying XXXX until the end date of XX/XX/XXXX we would be paying over XXXX on a XXXX loan. Her answer was that when we reach that amount it will just drop off. I asked for the end of loan date to be updated for transparency but she said they don't do that. We asked to speak to a supervisor and they gave us XXXX at XXXX pm, she was very nice and I asked if the bulk payment could be applied as monthly payments going forward instead of towards the principal. She said sure and told me she applied it and it would take a few days to show on our account. On XX/XX/XXXX I looked at our account and nothing had changed and it showed we were now delinquent for XXXX as well as XXXX so I called again at XXXX and spoke to XXXX who told me that the payment could not be applied as monthly payments and that XXXX wasn't a supervisor. When I said they were affecting my husbands good credit all she kept saying was " Sorry ''. I hung up and called another number for TD and spoke to XXXX at XXXX and she said that a request was put in to apply the money as payments but things were delayed at TD and I shoud check back next week. On XXXX my husband spoke to XXXX XXXX at XXXX and he said we should just pay it while we were waiting for the answer. On XXXX I spoke to XXXX who said that they decided they would use the payment for XXXX and XXXX 's payments but then we would have to start making the payments monthly from XXXX forward. On XX/XX/XXXX my husband spoke to XXXX who said she saw XXXX note but they couldn't apply it for XXXX or waive the late fee and then when he asked for a supervisor he got XXXX XXXX who said she didn't see XXXX 's notes and we have to pay XXXX. At no point were we ever contacts by TD about the fact that they received a Payment on our behalf from XXXX, how it was being applied or regarding any of our inquiries. And they ridiculous inconsistent answers and incompetent way this was handled put us in collections and affected my husbands credit score. We don't understand how an established bank handles their customers like this, its actual a disgrace.
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| 11/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Older American, Servicemember |
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The Following Complaint Is a Totally Different Complaint Against TD Bank USA/target Credit.
This Complaint Is Based on Their Reporting on XX/XX/XXXX, to the Credit Bureaus, Where TD Bank USA/target Credit, Wilfully Violated the Federal Credit Card Act of 2009 on XX/XX/XXXX for Failing to Provide Billing Statements for Periods From, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
In Addition TD Bank USA/target Credit, on XX/XX/XXXX Reported That My Account Was Closed on XX/XX/XXXX. This Date Conflicts with Their Account History. If the Account Was Closed on XX/XX/XXXX and Yet They Reported for the Following Dates From, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to Be 30, 60, 90,120,150 and 180 Days past Due, Respectably.
I Was Never Was Provided Billing Statements for the above Periods.
The Billing Periods Is Where Each Months Where I Was 30, 60, 90,120,150 and 180 Days past Due and Illegally Charged of My Credit Account. Acct # XXXX.
TD Bank USA/target Credit Was Required as the Billing Cycle Is a Specific, Recurring Time Period Between Billing Statements. The Federal Credit Card Act of 2009.
The Federal Credit Card Act Addresses the Following : A Billing Statement Is a Written Record Prepared by a Financial Institution, Usually Once a Month, Listing All Credit Card Transactions for an Account, Including Purchases, Payments, Fees and Finance Charges. It May Be Mailed to Consumers or Provided Electronically Online. Also Called a Monthly Statement or Periodic Statement.
The Card Member Agreement Provides the Terms and Conditions of a Credit Card Account. This Agreement Is Required by Federal Law as a Consumer Disclosure. It Also Represents a Binding Agreement Between Card Issuers and Their Customers. It must Include the Annual Percentage Rate, the Monthly Minimum Payment Formula, Annual Fees and Dispute Resolution Processes. Changes in the Cardholder Agreement Can Be Made, with Written Advance Notice, at Any Time by the Issuer. Cardholders Have the Right to Cancel Their Cards If They Do Not Accept Such Changes in Terms, and Pay off Existing Balances under the Previous Account Terms in Such Instances.
Charge-offs Are the Uncollected Credit Card Balances That Have Been Overdue So Long They Are Removed from the Books and Charged Against a Banks Loss Reserves. Your Original Card Issuer Will Typically Attempt to Collect on the Account Only until it Reaches 180 Days past Due. At That Level of Delinquency, My Unknown Was Charge Off the Debt from Their Books, as this Is an Accounting Measure the Creditor Uses to Move Your Account from an Asset to a Liability.
I Demand a Copy of the Billing Statements and Collections Notices for the Following Dates, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As Reported by TD Bank USA/target Credit on XX/XX/XXXX to the Credit Agencies.
TD Bank USA/target Credit Provide the Billing Statements and Collections Notices for the Following Dates, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Only Proves They Committed a Violation of the Federal Credit Card Act and Is Grounds for the CFPB to Take Action Against Them as They Also Reported My Account Was Closed on XX/XX/XXXX.
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| 10/10/2015 |
Yes |
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Web |
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I accidentally signed up for a Target Redcard ( store charge card through Target ) at the checkout counter at the Target store near me on XXXX XXXX. I thought I was signing up for the Target card that works like a debit card and debits amounts from my checking account. I realized my mistake on XXXX XXXX when I went to use my card at the store and they told me it was a credit card. I made a payment that day and told them I wanted my account closed. I started getting bills in the mail but thought my account was paid off and closed, so I did n't open them for a few months. I actually opened my XXXX bill and found out I had been charged XXXX late fees for a total of {$60.00}. I set up my online account and paid {$35.00}. I called Target ( XXXX ) the next day on XXXX and explained that I did n't want the card in the first place and felt I had been given it against my wishes. I asked for the late fees to be removed. They did not remove the late fees. They did close my account -- it had n't been actually closed, even though I told the store I did n't want the card when I made the in-store payment. I did not know what to do next, so I waited a few days. I called Target again on XXXX. I explained to the representative that I did not have the resources to pay off the {$52.00} that was due by XXXX, according to the website. I asked if I could work out a payment arrangement. We worked out an arrangement where I paid {$17.00} that day and agreed to have {$38.00} debited from my bank account on XXXX, which was the date of my next paycheck. I remember that the amounts I paid were chosen by the representative -- I would have preferred to pay {$30.00} on XXXX -- but I suggested the XXXX date for the XXXX payment. I may not be remembering that fact correctly. I asked and confirmed with the representative how this would leave my account. The representative confirmed that this would bring my balance from {$90.00} that day to about {$35.00}, and that I would be able to pay that remaining {$35.00} before XXXX, during the normal billing cycle. The representative did not say anything about any other late charges -- I assumed that the entire reason for setting up the payment arrangement was to avoid any more fees or action. The {$17.00} and {$38.00} were debited from my account as scheduled, but I was charged another late fee of {$35.00} on XXXX. I called Target on XXXX to explain what the representative had told me before and ask for the late fee from XXXX to be removed -- after all, at this point, I had paid {$90.00} in 22 days, paying down almost all my balance. My payment behavior did not seem to warrant another late fee. The representative on XXXX informed me I had not paid what I was supposed to by XXXX, so I incurred a late fee. He also informed me he could n't remove this late fee, since I had gone 2 months without making any payments. They will not forgive late fees unless the customer has had 12 months without missing a payment. I have now paid {$90.00} to Target for an account I did n't want in the first place and I am basically back where I started. I just want my account paid off and closed, and I am trying to do that, but Target is making that very difficult by adding late fees, seemingly to prolong endlessly my indebtedness to them.
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| 03/11/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2023 I opened up a TD checking account online. After my debit card arrived in the mail, I went to my local branch to complete my first deposit. My first deposit was a check in the amount of {$8300.00}. The check immediately cleared the very next day, and the funds were deducted from the check writers account. The first {$100.00} of the check was made available, and the rest was on hold for a period of 6 days. After the 6 day hold period, I attempted my first transaction which was immediately declined.
It very alarming and frustratingnot to mention embarrassingto get an alert that your bank account transactions are declined. It's even worse when you find out after trying to use your debit card for something as important as rent. I called TD bank and was told that they wanted to make sure that it was me attempting the charge, and that my debit card was locked for my protection. I was told that they would unlock it and I could now my transactions would be approved, and my digital card would reappear within the mobile app.
Upon checking this, I now found out I was now locked out of the app and unable to access my account. After calling TD yo resolve this. I was told to go into a branch with a photo ID. Upon going to the branch on XXXX XXXX XXXX XXXX XXXX and speaking with branch manager XXXX XXXX. I was told that my account was closed, and it was due to fraud. Completely confused and in shock, I said it was impossible and asked if there was any proof I or him could provide. I was told no, and that the account would be closing and I would be sent a letter in the mail. After waiting two weeks with no letter in the mail, no access to my account, and no information I called TD and they told me my account was not closed or going into closure that this was completely false as it is in a frozen state where transactions are not allowed in and out. When asked the reason for this, TD could not and would not provide one. I have been to multiple branches, called multiple times, attempted to close my account, and TD has stolen my money. They claim fraud but refuse to return the money to its original origin I have been unable to collect the funds for over a month, and on XX/XX/XXXX TD JUST NOW CLAIMS the check is unverified If a bank has reasonable cause to doubt the collectibility of a check ( e.g., doubtful collectibility ). Banks must provide notice to customers of doubtful collectibility, including the specific reason. So I ask TD, * Who is conducting the suspicious activity?
* What instruments or mechanisms are being used?
* When did the suspicious activity take place?
* Where did it take place?
* Why does the filer think the activity is suspicious?
TD has a habit of stealing funds and falsely placing holds on accounts. The check is not fraudulent, the check has not been returned, the funds were available for the check to be cleared, I do not have any overdrafts or judgements connected to my account, I have completed all holds, TD just refuses to release the funds at this point illegally. And have yet to send any notifications. They have lied and lied about the status of the account with no paperwork. I also cant get a new check written because TD bank refuses to even return the funds back to its original origins.
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| 04/07/2018 |
Yes |
- Checking or savings account
- Other banking product or service
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- Closing an account
- Fees charged for closing account
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Web |
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On XX/XX/XXXX, I went into my TD Bank branch on XXXX XXXX XXXX, NJ XXXX I was approached by a TD bank employee. She said I should speak to the financial person due to the amount of money I had in my savings account. I was opened to listening to what they had to say. so I sat down with a employee call XXXX XXXX. He was the financial advisor. As soon as we sat down I explained to him immediately, that the money I have in my account was only there temporarily! This was due to the fact that I knew next tax season in ( XX/XX/XXXX ) I had to pay a very large capital gains tax. so I explicitly told him I would need that money back in one year on XX/XX/XXXX or XX/XX/XXXX So I could pay my capital gains tax. He promised me that I would get my {$60000.00} back in one year plus interest of approximately {$4500.00} so I trusted him. Gave him my money for a annuity from XXXX XXXX XXXX. I asked him ( XXXX XXXX ) over and over, are you sure Im not going to have any problems a year from now? He promised me up-and-down that I wouldnt have any problems. What bothers me the most is he knew my situation! I told him That Im XXXX and on XXXX which is a fixed income! Because I believed him I went ahead and gave him {$60000.00}. He took my money and put it apparently in an annuity in which Can not be touched in one year, unless I was going into a nursing home or need it for medical reasons in which case I would have to be on my deathbed!
This is what I was told by another financial advisor called ( XXXX XXXX from a branch in the next town XXXX XXXX XXXX XXXX, XXXX New Jersey ) I Went there to get my money out! ( due to the fact there was no financial advisor at my branch that day ). after looking at my annuity book, my contract. He, XXXX called the XXXX XXXX XXXX to make sure everything was a go. At That time XXXX informed him that I can not touch that money I will only get back {$58000.00} if I do. I was expecting back approximately {$64000.00}. Do to the information XXXX gave me. When I explained all this to XXXX he said he would never have given me this annuity it wasnt cut out for me. ( XXXX didnt feel the same way apparently ). He, XXXX XXXX then emailed a letter to the regional manager for XXXX County New Jersey. She reached out to me on Friday XX/XX/XXXX. I reiterated my story to her and she said she will get back to me but hasnt yet! I feel XXXX needs to be held responsible or at the very least his employer TD Bank does. A week after I got this annuity I went in and asked him ( XXXX XXXX ) again! And once again he reassured me not to worry. he ( XXXX XXXX ) took my contract opened it up and highlighted the paragraph where it says I can have my money in one year. XXXX will remember me! XXXX will remember what he said to me! He should be ashamed of himself!! He and his employer TD Bank should be held responsible for this, not me! this was their incompetence not mine! I just trusted them. I cant afford to lose this money! I shouldnt lose my money! My branch address is XXXX XXXX XXXX XXXX XXXX, NJ XXXX phone number is XXXX.
The annuity is from XXXX XXXX XXXX their phone number is XXXX One of the attachments has the highlighted area I spoke of in my complaint. Thank you in advance I hope you could help me.
Sincerely XXXX XXXX
|
| 05/26/2015 |
Yes |
- Bank account or service
- Other bank product/service
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Web |
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I apply for a loan at td bank on XXXX/XXXX/15. Which my info was send out to a processor. which whom send me XXXX email. I have call a couple of time to speck to the processor, left message and no return call. I kept call for a week when I finally spoke to someone who told me that the XXXX processer was on leave of absence, and that she was my new processor, with all the calling done by myself. The processor then told me that I would have to resend all the paper work that, I send to the previse processor again, because she wouldnt looking trough the email to get the info, I have to send it again. This is know XXXX week pass the time that I start the loan process. the next weekend a email was send me asking for another set of papers, asking me to submit then before the end of the day. I left work and when into the bank to send off all the info that was ask of me. Everything that was ask of me, was send to the processer on that day. Which then I receive a call from my processer on Monday morning asking me again for the same info that I send to her on the Friday. Which I had to call the bank the same bank that she works for to send the information again. When I spoke to the processer that day I ask if anything else was need of me, then she ask me for a couple more paper work. if I had not ask for this, how long would she wait to ask me for the paper work. Everything that was ask of me was send to the processor and I still receive no information form her on when the appraise, would be done, which as already been charge to my account of XXXX/XXXX/15 in the morning with an email at XXXX that appraise would be scheduled, and I would be contacted on the day and time. On Friday the XXXX/XXXX/15 I call the processor at about XXXX to tell then that I wanted to cancel the loan because, with the way that there where going my closing date on the house XXXX/XXXX/2015, would not be meet on time. She then inform me that she will send me an cancellation email. Nothing was send to me from her so I send her and email on Saturday XXXX at XXXX, asking about the cancelation email, and still again nothing. On Tuesday XXXX XXXX/XXXX/15 I send out another email to her, which then there was a respond tell me to call the loan agent at the bank for information. I call the loan agent which then info me that I will be change for locking the interest rate. I should not be charge for work that is not done on a timely manner that is not fair to the customer. How can you charge some one for a process that is frustrating and infection, with a lack of communion.
" When I signed the purchase contract for the property I committed to certain legal obligations such as meeting terms. As per contract I have the obligation to provide a loan commitment in a timely manner, and after almost a month of this lender having my loan file in process, it has not been provided.
I am very dissatisfied and I do n't take the charge of unjust fees lightly. TD Bank should not take advantage of inexperienced first time home buyers like myself, who act in good faith and sign the necessary documentation to help have a smooth process. I believe I have the freedom to look for appropriate lending services if this lender did n't do its job without being penalized for it ''.
|
| 02/27/2022 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
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XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX TD Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX Dear Customer Relations This letter is in reference to the checking account number XXXX.
In XX/XX/XXXX. I, XXXXXXXX XXXX XXXX XXXXXXXX XXXX I went to the offices TD Bank, XXXX XXXX located XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I spoke with the adviser XXXX XXXX, for the closing of the checking account number XXXX, because I am a victim of fraud.
TD Bank, XXXX XXXX closed the account and I find myself with the surprise of a debt of {$990.00} dolares + {$50.00} dolares ( Fee and account overdraft ).
The reasons for the {$990.00} dolares is that I cheated a person named XXXX XXXX XXXX, when really this version of this person XXXX is totally false. I have lived in the United States for 13 years and my criminal record is clean, because I am a healthy and hard-working person and I do good so that it goes well for me.
The reasons for the {$50.00} dolares are overdraft of the account that I owe after account closure.
In XX/XX/XXXX. I, withdraw all of my money and closed the account for being a victim of identity theft by this person XXXX or other people I don't know.
1.See attachment enclosures Form XXXX XX/XX/XXXX Identity Theft Affidavit XXXX Offense Incident Report XXXX Police Department Federal Trade Commission Identity Theft Report XXXX XXXX ID Theft Affidavit TD Bank XXXX XXXX XXXX , if They were taking my money, my financial situation at that time was very critical, because I have no family and I live alone and with a health problem, before all this happened, TD Bank XXXX XXXX XXXX XXXX They sent me a notification telling me that They are going to take the money from my account, I quickly withdraw my money and closed the account.
1.See attachment enclosures.
Copy XXXX XXXX Based on CDC guidekines XXXX XXXX XXXX.
In XXXX XXXX, XXXX. I, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, I called TD Bank, XXXX XXXX and I also went to TD Bank, XXXX XXXX located XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. The counselors did not solve my total debt problem {$1000.00} dolares and since a long time they never investigated my problem and They was never notified, now I currently owe that fraudulent debt and the worst now with my health problem due to the Covid-19 pandemic, inflatin, I'm unemployed and the bad economic situation that is going through the United States XXXX
I am not happy with TD Bank, XXXX XXXX.
I am going to complain to the regulatory entities to supervise TD Bank, XXXX XXXX. Because TD Bank, XXXX XXXX, They are violating my rights as a former client of the bank and sent me the response and notification determinedly to solve my case : 1.I 'm not going to pay {$1000.00} XXXX, that debt is fraudulent and TD Bank XXXX XXXX XXXX They resolve to eliminate that fraudulent debt and I owe nothing to them.
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX Enclosures : Copy Social Security Copy Proof Of Identity Copy XXXX XXXX Based on CDC guidekines XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Identity Theft Affidavit XXXX Offense Incident Report XXXX Police Department Federal Trade Commission Identity Theft Report XXXX XXXX ID Theft Affidavit
|
| 05/27/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Shopping for a loan or lease
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|
Web |
Older American, Servicemember |
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XXXX XXXX, XXXX RE : TD AUTO LOANS NEGATIVE CREDIT REPORTING This complaint is in regards to a debt that TD Auto Loans claim I owed from a XXXX lease I turned in. The negative information that they placed brought my credit score down XXXX points. Following are the facts concerning this matter.
In XXXX, I leased a XXXX XXXX and paid it to term. Upon returning the car, I was given a new lease. I paid the new lease to term never missing or never being late. When the lease came to term, I was asked to turn the car into any XXXX dealership. I elected to turn it into XXXX XXXX XXXX, XXXX, XXXX, located at XXXX XXXX XXXX, XXXX, Michigan XXXX.
When I arrived, a service employee came out and inspected the car. After seeing there was no damage and very low mileage, he handed me a copy of the report and stated, you are all set to go.
Several weeks later, I received a letter from Chrysler Financial stating I was supposed to pay a fee for turning the car in. Since there was no damage on the car, very low mileage, never late or missed any payments and the lease was not an early turn in, I could n't understand why I was still in debt. Later I received another notice. I then sent an in-depth complaint to XXXX XXXX Offices outlining my concerns. I did not hear from them again.
In XXXX, I leased a top of the line, {$40000.00} XXXX XXXX. Several months later, I received a letter from XXXX informing me I was eligible for the Pull Ahead Lease Program. I returned the XXXX XXXX XXXX and they wrote another lease for a top of the line XXXX XXXX XXXX XXXX of which I am driving today, at no time was I required to pay an end of lease fee.
When XXXX informed me a finance company by the name of TD Auto Loans had put negative information on my credit report last month, I had never heard of them. That 's why I thought this was an Identify Theft Crime and immediately filed a complaint with the FCC, case number XXXX.
However, after researching the matter, I learned Chrysler Financial apparently went out of business or sold the company to TD Auto Loans, therefore, when I sent my complaint letter to XXXX XXXX XXXX in XXXX, it automatically went to the new owners, TD Auto Loans, therefore, I contacted the FCC today, XXXX XXXX to cancel the Identify Fraud Charge.
In an effort to clear up this matter, I traveled over to XXXX XXXX XXXX on XXXX/XXXX/XXXX in search of the salesman that handled my lease in XXXX, but I learned he passed away two-years-ago, however, I did speak to one of their finance managers. After listening to my story, he stated, in his opinion, they probably found an old bill from XXXX and put it on my credit report because there is no way I could have leased XXXX {$40000.00} cars while owing a financial institution. He also pointed out, if it were the case, the negativity should have dropped off in XXXX.
Would you please assist me in getting this company to delete the negative information they placed on my credit report from XXXX which brought my scores down XXXX points. Any assistance would be greatly appreciated.
As a footnote, being curious to know more about this company, I typed into my computer, TD Auto Loan Complaints and what these people have done and is still doing to the consumers is dishearting.
|
| 04/16/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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XXXX- technically td bank ( XXXX ) even though i sent them and they received a certified letter from usps with a notarized letter to close that account are saying it is open and they wont follow through with closing it. even though they acknowledge receiving it they said its still locked with fraud and needed for me verify my account by coming into a branch. so they had me go in yesterday at there XXXX, ma branch and took uber. i gave the person my license and ssa card again to verify the account and i asked to close the account since i threw everything out, checks, debit card. she sent what needed to be sent to there fraud department to unblock my account and online banking. then person told me the fraud department where the block was closed after XXXX est. and its XXXX est. even though she submitted it before XXXX est. it didnt get approved, online banking or the opening of my account. she said shell call me monday XX/XX/2022 to let me know when its unblocked and said she'll send me a new debit card. i took uber there and round trip it was only {$70.00}. i told her ill come back monday with uber to make sure everything 's in working order. i have no money but {$400.00} on my XXXX account which is enough to pay this weeks rent but not next weeks. my ssdi check should be in my XXXX account in three tuesdays from now. technically i owe that amount on thurdays but pay on tuesdays. which means ill pay {$600.00} that week for the week i owe and that current week. td bank claims theres more then {$4400.00} in it. i have no power. it is there right to evict me. im tired of the us government and fbi causing me and this country problems. the only move ill make is to make a decision how to unravel this is with the president of XXXX to decide what that is. since i made the president of XXXX the president of the XXXX XXXX XXXX, obama or trump any future presidents arent anymore and are told by XXXX what to do and how to do it. because being inside the country didnt work to fix this countries problems and for the XXXX XXXX XXXX to end any problems that XXXX experiences. by bring there military in here wearing street cloths as camouflage. here taking vacations with family and tourism. and flying on a commercial airline so they blend in. since XXXX closed it and is keeping my money for 12 weeks/60 business i dont know what powers i have anymore to do something. because i did send that letter closing my account with td bank. even though she said she or they won't close the account on the phone, at there XXXX XXXX where i opened it. i know mistakess are made. ive been defeated by the fbi and the us government. XXXX or XXXX need to figure out what that move will be. i confirmed with the ssa office in XXXX XXXX located in XXXX, ct on the phone that XXXX is the routing number and account number they have so my XX/XX/2022 check is deposited in the right bank and it was. if XXXX decides to keep it open and do me a favor. there the president of the usa dually is by law now both of the ceo 's of tb bank and XXXX to dictate policy with any demands they want end this and to tell you how things work now on unless there demands are met not me. by law. do that now. signed president of the usa XXXX XXXX XX/XX/2022 XXXX est.
|
| 06/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
On XX/XX/2023, I responded to a XXXX XXXX that was to donate a XXXX XXXX XXXX to someone who answered the ad with a good reason to get the guitar. I responded saying that I would like to get the guitar to teach my Grandson how to play. They said fine, I would just have to send shipping cost of {$33.00}. That sounded reasonable, so I paid it on XXXX XXXX. Then they said I would have to pay tax on it of XXXX Ok that wasn't unreasonable, so I thought, so I paid that through XXXX. Now they said that they need to change ownership registration and said that would cost {$85.00}. That is when I decided not to pay any more and that this was a scam. I then called XXXX Customer Service, at XXXX a phone number I got on XXXX. The Customer Service Representative, XXXX XXXX, said this happens frequently and that the scammers get into your phone or PC and steal money, your information or both. He said that the scammers or Hackers have compromised my PC and the only way to get them out is to make transactions of buying XXXX, as this is when the scammers will surface and try to intercept the transaction. He reimbursed the money that I paid for the shipping and tax ( {$110.00} + {$33.00} ). Then he looked at my transactions by having me download The Any Desk app. which allows him to see what I am doing on my phone or PC. We then made a transaction of buying XXXX, and sending it to a " secure XXXX XXXX ''. He then sent the funds back to me. Over the course of the next month or so, ( the last transaction was on XX/XX/2023 ) we made numerous transactions of different dollar amounts that were taken from my TD Bank checking account, to these so called XXXX XXXX XXXX. The Representative was showing me the XXXX Addresses assuring me that the money was safe and that when all the Hackers or Scammers were removed from my system, the funds would be returned. He showed me their IP addresses that were compromising my PC and even showed me pictures of the Hackers. The XXXX was purchased through XXXX, XXXX, XXXX, or XXXX XXXX. He even sent me a screenshot of the transaction that was to reimburse the funds. When the funds weren't credited to my account in a timely way, I contacted XXXX to look up the transaction. They said there was no record of the transaction. This is when I knew for sure that I had been scammed. Total amount scammed : {$160000.00} Please help, I am a XXXX XXXX XXXX man, and I need help in getting the scammed funds returned.
I am in need of an advocate for seniors that have been preyed upon by these ruthless scammers.
I have spoken to TD Bank Fraud Department and they said they could not help me.
There is no XXXX Customer Service to lodge a complaint with.
PLEASE HELP with communicating with TD Bank, XXXX XXXX XXXX XXXX XXXX and XXXX, in hopes of returning stolen funds.
I have also : Reported to the local ( XXXX ) Police, complaint number : XXXX on XX/XX/2023 Filed a Complaint with the FBI ( XXXX ) on XX/XX/2023 Notified TD Bank via on-line, and telephone on XX/XX/2023, and met with local branch of the bank on XX/XX/2023.
Reported to Coinbase : Case Number XXXX on XX/XX/2023 Reported to XXXX XXXX : Claim Number : XXXX on XX/XX/2023 Reported to XXXX XX/XX/2023 I will attach supporting documentation
|
| 09/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
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I have been falsely accused of bank fraud by TD Bank. I do not know what the status of the {$3000.00} balance in my bank account is. There has been no contact from TD Bank after repeated tries, both by phone and email.
My husband and I are US citizens living in XXXX. We have not been in the US since XX/XX/2020, because of Covid. My husband works W2 remotely for a US company. His paycheck is deposited into his US bank account. He is a cross-border banking customer with TD. I was also. Unfortunately, his cross-border account was set up incorrectly, he can not do cross border transfers online. Therefore, he would transfer money via XXXX to my US account for me to transfer it to my XXXX account. My US account has had very little activity other than the transfers and a monthly check deposit since XXXX of XXXX. On XX/XX/XXXX and XXXX, my husband transferred {$2500.00} each time, to me via XXXX. On XX/XX/XXXX and XXXX, I transferred {$2000.00} and {$3000.00} to my XXXX TD account. On XX/XX/XXXX I tried to transfer {$220.00} to a tax preparer via XXXX. I have known him as XXXX for six years. His first name is actually XXXX. The transfer was rejected, and my account was frozen. I received email letting me know this and that it would be resolved within 24 hours. On XX/XX/XXXX I tried to access my account online but could not. I called cross-border customer service, they informed me that my account was frozen for digital banking fraud and set to be closed. I was instructed to call the demarcation department for further information. I phoned the department on the XXXX. The call went directly to voicemail. The outgoing message said, All calls would be returned within 48 business hours. My call was never returned. I called again on the XX/XX/XXXX and sent an email. I left a detail message explaining the situation. I was never contacted. Between XX/XX/XXXX and XX/XX/XXXX, I spoke to customer service representatives, including branch managers at the branch that I opened the account up in the US, 21 times. Not one of them thought that the transfers, including the one with the wrong first name, should have caused the fraud alert. None of them could tell me if the balance in my bank account would be returned to me, or what the problem was. I was repeatedly told to call the demarcation department, I was never able to reach them or was contacted by them. I was told it would take 30 days to close the account. That was false. On XX/XX/XXXX I discovered the account had been closed when I tried to call customer service, but my account number was no longer valid. Other than receiving the last two statements in the mail, I have not had any response from TD Bank this year. I never received any communication from TD Bank demarcating department.
Obviously, my husbands W2 income is reported to the IRS. I also report all my income to the IRS. There was absolutely no fraudulent digital banking activity on my account. That TD Bank never bothered to investigate before closing the account is wrong. It appears they failed to realize that I was a cross-border customer, therefore transfers would be common. I did not violate the banking agreement regarding the transfers both in monetary amounts or number of times per month.
|
| 06/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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[ XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , MN XXXX ] Dear Federal Trade Commission , I am writing to dispute the following information that appears on my XXXX XXXX consumer report : Dispute 1 [ The following examples are meant to be helpful, include all disputes that apply to XXXX XXXX ] Account Number or other information to identify account : RTN/ACCT # XXXX ; RTN/ACCT # XXXX ; RTN/ACCT # XXXX.
Source of dispute information : TD Bank ; XXXX XXXX XXXX, XXXX, XXXX XXXX.
Type of disputed information : Credit Report, XXXX Report.
Dates associated with item being disputed : [ Insert the date that appears on your report. This helps ensure that the correct account is identified by the company and to identify which aspects of the report are being disputed. You can still file a dispute if you do not have this date. ] Explanation of item being disputed : Please investigate each individually.
o My report includes accounts with a reported name that is different than my legal name.
o The accounts I had with TD Bank were closed in XXXX. These accounts are out of the statute of limitations.
o The report falsely states Account Abuse as a tactic to target minorities. This was done in retaliation for me filing complaints against the racist call center worker.
o I do not recognize the accounts in question. The accounts I had with TD Bank were closed in XXXX. When I closed them there was no balance and I closed them because a woman in the Texas call center called me Boy. She would not escalate my discrimination complaint. I contacted the corporate office line. A woman who claimed to be a manager denied the call was recorded so I played the recording I had. She Hung up and asked to call me back. She called back and told me the issue would be resolved. The accounts were settled.
o The report shows I owed money to the company that I have already repaid. I wrote an email to the corporate office about my experience with the Texas call center. They confirmed the account were closed with no balance. Now they have three accounts under a similar name. conveniently the dates corresponded with dates that I made complaints about the racist call center worker. I believe her name was XXXX.
o The status of my account is not correct. The report shows that I three account with balances that were closed on different dates. This is false ; the account was closed on different days.
o I am the victim of identity theft and I do not recognize one or more of the accounts on my report. In my investigation I found out that a woman I dated was using the cards. I called to have the cards cancelled. They did not take the claim seriously because she was a white police officer.
o Last and certainly not least : I was not allowed to open an account with the Banker. She did not want to assist me because I was XXXX. She told me she had never dealt with a XXXX man before and refused to assist me. The branch manager had to open to account because the bank was crying due to the branch manager telling her Helping XXXX and other customers is your job. I filed a complaint which was never followed up by any member of TD Bank because they send it to the branch manager. The woman was never fired.
Thank you for your assistance.
|
| 02/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
am a XXXX man and an XXXX citizen of XXXX decent. I have cause to believer that I was XXXX XXXX. by TD Bank On or about XX/XX/XXXX, I deposited the sum of XXXX XXXX dollars, in XXXX dollar bills into account number XXXX at your branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account belongs to XXXX XXXX XXXX, a friend. The next day following the deposit, I received a call from XXXX XXXX informing me that the bank requested to see me concerning the said deposits. I immediately presented my self to your Store manager XXXX XXXX XXXX. At first he told me that the bank suspected that some of the XXXX dollar bills that I deposited was counterfeit. He made several verbal attempts to scare me by employing certain derogatory innuendoes. Including. but not limited to questions such as whether I have ever been arrested for depositing fraudulent dollars bills with a bank in the US. I told him unequivocally that I got my money from a certain branch of XXXX XXXX XXXXXXXX in XXXX XXXX. I also insisted on viewing the alleged counterfeits. He left me in his office and came back about a minute later to announce that, and I quote, it has been sent out for verification I countered him immediately by asking him if used the word it which meant that it was only one. He admitted to that but very reluctantly. I immediately requested to be provided with a copy of any and every documentation to show what agency it was sent to. All of a sudden, he appeared to be in a hurry to dismiss me. He said that it will be sent to the owner of the account. Suffice it to say that no such document was ever provided. He told me that the alleged fake {$100.00} bill was sent to two separate Federal Agencies. The Bureau of Achohol and Tabacco, and the FBI. He also told me that it may take between 90 to 180 days to complete the investigations. He requested for my personal information such as address and phone number, which I provided, albeit reluctantly After asking me several intruding questions he instructed me to insure the availability of my person in the future for the ongoing investigations.
At the expiration of the first 90 days, I visited XXXX XXXX and he said that the investigations has not been completed.
It may be instructive to note that I made several periodic visits between that and the 180 day mark. All all to no vail. Each time I showed up at his branch he would pretend to be busy. On one occasion he told me that the money has been returned and credited to the account holder. This again turned out to be false. He was later transferee to another branch. No attempt was made by him to contact me upon his transfer. When Ii contacted the new manager XXXX XXXX he promised to look into the matter. However after two weeks he confessed that there was no record to show that any such issues was pending. O one at the bank was willing to provide me with any information concerning XXXX were about.
On or about XX/XX/XXXX, approximately 14 month or morel from the beginning of this ordeal, I found XXXX XXXX at anther TD Bank. Suffice it to say that I was enraged and threatened to call the police to have him arrested. Two days later the money was credited to the account holder with neither interest or apology.
|
| 10/21/2023 |
Yes |
- Credit card
- Store credit card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
Servicemember |
|
I have had a store credit card with Target since XXXX. Almost XXXX weeks ago, I attempted to use my credit card in the app to make a purchase on XX/XX/XXXX ( sometime between my screenshot at XXXX XXXX and XXXX XXXX is when I finally submitted with a different credit card for my order ) and it said it was denied and to contact my credit company. To be clear, I pay the card off every month and it was not behind nor was I over my limit. I went online and it said my account was fine. I checked the app for my purchase, my physical credit card and the website and all showed the correct credit card. Nothing was indicated as an issue online. My card doesn't expire until XXXX so that couldn't be the issue either.
I called Target credit the next day and they " congratulated '' me that my account was closed and they chose to open a regular mastercard credit card for me without my consent. I do not need another regular credit card, I have XXXX great cards already and I only have the target store card to save 5 % on my target purchases. I told the gentleman that I did not want a credit card and that I was never asked if that was okay, I was never informed that this was happening and even their own credit website never gave me the information. I even checked my statement, there was NOTHING. He told me I should have received a letter and also a new credit card. I received neither. It is not okay to open up an entirely new credit card in my name without my consent or even asking if it was okay. I told my husband and he showed me an article online that I was entitled to opt out of this. I told the gentleman on the phone that I didn't want nor ask for this card and yet I was never told I could keep my old card.
They made the decision to close my account and not allow me to use the card that I, by rights should still be able to use. I work at a XXXX XXXX and if for some reason we have to send them a new card ( of the same type ), unless it's due to imminent fraud, the old card will still work for some time, so we don't put our members in a bind. I was told by the gentleman that they had sent me the card just a few weeks prior and didn't give me a chance to even start using the thing ( had I wanted it ). If you need to find the call, I called their credit # ( XXXX ) at XXXX XXXX and the call lasted XXXX minutes.
My target store card is my XXXX oldest credit account. This will have a detrimental impact on my credit. Also, although it's a small amount of money, I had to pay the 5 % more on my Target purchases because I no longer had a card I could use. I use the card to buy groceries, what if I didn't have an alternative way to buy groceries? I'm blessed that I do, but what if I relied on that card for food? I would have no way to buy groceries.
Regardless, this is a big issue. I now will have a new credit account on my credit report, which will bring down my credit score. I will no longer have an active card from XXXX and this will also have a detrimental impact on my credit. Finally, I was given ZERO options to decline this XXXX that I do not want nor did I ask for. I will only EVER use my target account at target. I use my rewards credit cards from elsewhere for all other purchases.
|
| 08/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I have made numerous complaints to the CFPB regarding fraud that occurred on my TD checking account and my most recent complaint resulted in the bank returning a decision that narrowed their reasons for denial from five to one. The one remaining reason for denial is : Card Present PIN used transactions occurring in between claimed fraud not being claimed indicating card in possession Denial stands, case considered closed.
I have continually requested documentation from TD Bank as to which transaction they are referring to as this would help me to provide a direct response but despite this complaint process going on for nearly one calendar year I have had nothing in writing from them either providing me with the documentation they relied upon to reach any of their reasons for denial ; documents which I understand I am entitled to receive by law. However, as no such transactions, card present PIN used transactions, occurred during amidst the fraud as this type of transaction would have been impossible as my card was not in my possession and therefore was not in use by myself. I have attached my bank statement which does indicate that I did not claim two transactions from XXXX which were pre authorized deductions for the cost of my XXXX membership and the cost of my membership to XXXX XXXX. ( Please see attachment 4C - these transactions are marked in red ; all other fraudulent charges are marked by yellow ). These amounts had been deducted from account in the months prior to the fraud occurring and were automatic ( I wish I could provide documentation of these charges being a regular monthly charge but since TD 's closure of my account I no longer have access to my past banking statements. If I am able to obtain any documentation from XXXX regarding these charges I will update my complaint, however, TD has always had access to all of these records ). These charges did not involve my card being present or the use of my pin at the time they were deducted and were made without any action on my part. I have explained these charges to TD Bank in person and in every complaint I have made through the CFPB since the very beginning of the complaint process so I can not understand their reasons for continuing to deny my claim based on these transactions. Quite simply, while they posted to my account during the time the fraud was occurring they were not fraudulent and I have been honest about that from the beginning. It seems it would have been easier to just say it was all fraud if that would have brought about a speedier conclusion but fundamentally it still would not have been honest which I have been and will continue to be until the resolution of this matter.
I can not begin to tell you the numerous difficulties I have faced because of TD Bank 's denial of my valid claim of fraud for unsubstantiated reasons. They have never risen to the requirements under which they are bound by law in any of their dealings with me throughout this entire process. I sincerely hope that review of my account statement from the month the fraud occurred and review of my historical account statements which show these payments occurring in the months prior will finally bring this matter to a close.
|
| 05/01/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
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|
Web |
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Company : XXXX XXXX ( XXXX ) Issue : Charging Late Fees About a year ago we purchased an exercise bike through XXXX. We have been making payments early over the past year. We have even made additional payments. They have been charging us late fees over and over again even though we are ahead on our payments and sending them in early. I spent over an hour and a half with three customer service representatives tonight ( XX/XX/XXXX ) from about XXXX until XXXX. I have tried to get through several other times, but I was on hold for an extended period of time. They said that I was being charged a late fee, since the payment did not arrive during the " system window ''. One of representatives agreed and tried to have her manager waive the fees. The manager said she would only waive one fee, but I had to pay a late fee before she could waive that one. She also said that I had to pay additional money even though I am ahead on my payments.
Here is the email that I sent to follow up ( I believe that I was given an incorrect email address as well ) : Hello, This evening I spoke with 3 of your customer service representatives. I have had an account with you since XXXX of XXXX. Over the past year, I have made 16 payments on my account. I have been ahead on my payments and some months I have paid extra. If you look at the payment history and proof of payment forms that I have attached, you will see that I have never missed a payment and I have always been ahead. I have been paying early. I paid last Month 's payment over 3 weeks early and I was told that I was being charged a late fee, since it was not within the system window. Not a single one of the customer service representatives would share any information regarding the system window for payments. I asked for the terms to be explained to me and was not given any useful information. I was passed around and placed on hold without any resolution to my billing issue.
I would like the late fees that you have charged me over the past year to be credited to my balance. I will be filing a complaint with the CFPB and the Virginia Attorney General 's office.
Please notify me when the late fees have been credited to my account and I will pay the balance in full. Attached you will find my proof of payments. The account is under my wife 's name.
Have a nice weekend! I look forward to hearing from you!
Thanks, I have also included my payment history from XXXX XXXX.
XXXXRecurring XXXX XXXX {$71.00} XX/XX/XXXX Paid XXXXRecurring XXXX XXXX {$71.00} XX/XX/XXXX Paid XX/XX/XXXX XXXX XXXX {$44.00} XX/XX/XXXX Paid XX/XX/XXXX XXXX XXXX {$71.00} XX/XX/XXXX Paid XXXX XXXX XXXX {$71.00} ... XXXX XX/XX/XXXX Paid XXXX XXXX XXXX {$71.00} ... XXXX XX/XX/XXXX Paid XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX Paid XX/XX/XXXX XXXX XXXX {$71.00} XX/XX/XXXX Paid XX/XX/XXXX XXXX XXXX {$10.00} XX/XX/XXXX Paid XX/XX/XXXX XXXX XXXX {$71.00} XX/XX/XXXX Paid XX/XX/XXXX XXXX XXXX {$71.00} XX/XX/XXXX Paid XX/XX/XXXX XXXX XXXX {$71.00} XX/XX/XXXX Paid XX/XX/XXXX XXXX XXXX {$71.00} XX/XX/XXXX Paid XX/XX/XXXX XXXX XXXX {$71.00} XX/XX/XXXX Paid XX/XX/XXXX XXXX XXXX {$71.00} XX/XX/XXXX Paid XX/XX/XXXX XXXX XXXX {$71.00} XX/XX/XXXX Paid
|
| 04/09/2015 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Older American |
|
My Claim and situation surrounds a recent issue with the Credit Dept. of Target Corp., and it could have also been characterized into '' Communicaton Tactics '' as well as their staff having made " False Misrepresentations, '' both from the above drop-down menu.
My wife and I maintain an excellent Credit Rating/History. I am a Senior, currently XXXX and, therefore, on a fixed income. For years I have paid most of my bills on-line, but prefer receiving bills through the mail. With some reservation, I switched to a Paperless Billing Option with Target around the XXXX of this year, and made my regular XXXX payment.
However, on XXXX XXXX, upon browsing the Target website with the purpose of placing an order, it dawned on me that I 'd not received any ( paper or electronic ) communications from this store for months. I checked my on-line Account, and I was startled to see that I, indeed, owed for two months ( @ {$25.00} each ) plus Penalty and Interest. I was chagrinned that I received no communications, so I phoned Customer Service and spoke with XXXX ( on XXXX ). He was very helpful, but could n't explain why I had n't received any e-mailed Invoices or Notices. He thought it best that I pay {$100.00} to cover through XXXX, which I did. When I asked, he checked and assured me that my Account had NOT been reported to any of the Credit Reporting Bureaus ( That is the XXXX Party to which I refer. ). I did n't argue the penalties, as I accepted some responsibility for not checking my Aacount online sooner ; I was very relieved NOT to have been reported. I then changed back to mailed invoices ; end of story? NO ....
On XXXX I got a Collection Letter from Target 's Credit Dept DATED XXXX, before I contacted them, AND, the ONLY communication I received from them at all, breaching Section 809-A, I believe, of Fair Debt Collection Practices. I called the phone number on that letter and spoke with a woman named XXXX who provided contradictory info to that from XXXX ; I WAS reported to Credit Bureaus. She, seeming very understanding and acknowledging all of years as a customer, assured me she would provide me with a number of their Target Financial Specialist who works with these Bureaus and could revoke the reporting. I called. It was the number of Experian!!
I called Target back and asked for XXXX, but XXXX was n't sure who that was and could n't see a record of my having called. Now, being very very livid, I asked for a Supervisor, and explained it all to XXXX, the Supervisor. She did display empathy, but there 's nothing she could do, she said, because, " Those are the rules. '' I told her that I never got any communications of any invoices. Then, I asked how far after the due-date, when I am deemed " Late, '' does Target take action : 2 days.
None of the timing made sense, from the original lack of electronic Invoicing, the lack of consistency with what I was told being referred to Experience and not a Target resource, being told on XXXX that I was all set, when a Collection Letter had been sent four days prior ... .a letter that does not indicate my having been reported and only asks for {$61.00} and gives me 30 days to refute.
Thanks for allowing me to be so verbose.
|
| 09/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Important background of this matter includes : - I have made a good faith effort to work with TD Bank regarding ongoing pre-construction mortgage statement delays ( generally delayed 2-3 weeks and delivered to my home address via USPS ) .
- I have requested online access to payment amounts, or access via phone calls, text messages, or emails providing account information, all of which have been denied by TD bank because of systems limitations. The online portal provided no current information regarding amount due for my preconstruction loan. I was required to await USPS delivery of my delayed statement each month in order to learn my current payment amount. MY TD BANK STATEMENT WAS NEVER RECEIVED WITHIN XXXX WEEKS OF THE DATE OF THE STATEMENT ( DUE TO CONSISTENT DELAYS THAT I REPORTED TO TD BANK REPEATEDLY ).
- I have never missed a mortgage payment or had a late mortgage payment in my life ( first mortgage in XXXX ).
- In spite of all of this, I expeditiously paid any TD bank statement I received on the day of receipt. All of my other debt payments are either previously scheduled or communicated well -- TD Bank allowed none of this and I was forced to await delayed USPS mail statements.
- In XX/XX/XXXX my loan converted to full P & I after an 18-month interest-only construction period.
- Twice in XXXX, twice in XXXX, and most recently XX/XX/XXXX, I contacted TD Bank to ensure that my account is in good standing with no late payments or other issues. I was informed each time that I have no outstanding debts, my account is in good standing, all payments are up to date, and no derogatory marks were listed.
Nonetheless, TD Bank took the following action : 1. In a letter dated XX/XX/XXXX I received a notice of default, stating that my loan was in default ( in spite of representatives for TD bank stating that my loan is current ) 2. In a letter dated XX/XX/XXXX I was notified the following : " Please note that as of XX/XX/XXXX, your new payment amount is {$1600.00}... Please provide an additional payment of {$1500.00} by XX/XX/XXXX. '' No one at TD bank was able to substantiate this demand. ( Please note that the above is typed correctly -- on a letter dated XX/XX/XXXX I was informed that I owe additional funds from XXXX of the previous year, despite all interval statements showing a XXXX balance ). I paid this demand to avoid any repercussions while I tried unsuccessfully to address this error. I have not been able to reach anyone with any knowledge of this letter.
3. On the XXXX of XX/XX/XXXX I learned that TD Bank reported my loan defaulted to credit agencies, and my XXXX XXXX decreased by XXXX points from the prior value of XXXX.
4. I presented on XX/XX/XXXX at the TD Bank branch located at XXXX XXXX XXXX, XXXX, FL XXXX to resolve this -- I was informed that I would need to call the TD Bank mortgage line and was provided a telephone to do so. I spoke with XXXX XXXX, XXXX XXXX, who was unable to resolve the issue and instead forwarded the issue to the prior loan servicer from the preconstruction phase ( XXXX XXXX ). XXXX was unable to resolve the issue as of XXXX on XX/XX/XXXX.
This issues remains unresolved with no communication from TD Bank representatives.
|
| 06/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX an unknown person used a fake ID and withdrew in person {$18000.00} from 4 separate accounts I hold at TD Bank during one teller transaction. The withdrawals were physically Made in XXXXTD Bank location address XXXX XXXX XXXX, XXXX XXXX, NY XXXX. XXXX XXXX. My address and bank location is in XXXX, Florida.
I allege that the theft was an inside job.
The routing for all The accounts is a Florida routing number : XXXX One withdrawal of {$3000.00} was taken from my personal checking account.
3 withdrawals of {$5000.00} each were taken from 3 Florida business accounts I own. All accounts are linked.
I live and bank in Florida.
In total {$18000.00} in cash was handed to a fraudster who submitted 4 different withdrawal slips where none of the handwriting matched mine. The handwriting was sloppy and Looked like scribble. The signature was a forgery and clearly not mine ( as admitted by both my local branch CSR who knows me and the TD Bank fraud department ).
The driver license number was written on the back of the deposit slip was presumably written by an employee at the XXXX TD Bank branch. My name was spelled wrong one of the withdrawal slips, my signature was obviously forged and didnt look like my signature at all.
The TD Bank fraud department recommended I restrict all 6 of my TD accounts. Mind you, I called them while I noticed online that the charges were pending. They hadnt even posted yet. But because TD Bank Gave some fraudster {$18000.00} of my money from 4 different bank accounts the money was not available. It may not be returned until TD Banks internal investigation is complete which could take between 90 and 120 days.
TD Bank talked me into restricting all my accounts, including 2 accounts that had not been defrauded and I agreed. Then the TD Bank fraud department told me by phone that I couldnt withdraw the money left in any of my accounts because they were restricted.
My identity was stolen to the extent that TD Bank is responsible. On the same day I put a credit freeze with the 3 credit bureaus : XXXX, XXXX, XXXX. I was told to keep the 4 TD accounts that were stolen from open with their minimum balance or I may not receive my money.
So if you have an account that was negligently managed by TD Bank and someone steals {$18000.00} from it, you apparently need to keep it open to get your money back.
Ive had to borrow money to pay both my mortgage and business bills.
There is so much wrong with this situation.
1. TD Bank XXXX office at XXXX XXXX XXXX gave a person {$18000.00} in cash from 4 separate TD Bank accounts in CASH while accepting a fake, out-of-state identification.
2. The FL drivers license TD wrote down on the back of the deposit slip had one the numbers wrong ; so it wouldnt have matched with my FL Driver License.
3. The documents TD XXXX had clearly showed a fraudulent signature, my name was spelled wrong on one slip, and the handwriting was scribble that looked nothing like mine. I write in cursive as they taught in the XXXX.
4. The amount part of the withdrawal slips were scribbled.
TD Bank is negligent, Committed a felony, and bears liability and must be held responsible so that this negligence doesnt occur again.
|
| 06/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XXXX XXXX XXXX we traded in a XXXX XXXX that we had a loan through TD Auto Finance. The dealership took care of getting the loan payoff amount and received the title of the truck. We never heard anything from TD Auto Finance or the dealership to indicate that there was any issue with the loan payoff. In XXXX XXXX XXXXXXXX we received a monthly statement from TD Auto Finance that said the account was still open but there was zero payment due. I contacted TD Auto Finance through their secure messaging system regarding the fact that the account should have been closed in XXXXXXXX XXXX XXXX. I did receive a response but I can not access that message now as the system says it is no longer active. The person that I spoke with today said that it was a statement but again I could not acces it nor shoudl we have owed anything. We did not hear anything else from TD Auto Finance so again we thought it was taken care of. In XXXX XXXX XXXX we received a monthly statement from TD Auto that said we owed {$42.00} with an additional {$15.00} late fee for a past due balance. I returned the statement with a letter that said the account should have been closed in XXXX XXXX XXXX and again in XXXX XXXX XXXX. Again, no response until we received a notification from XXXX yesterday that we were deliquent and our credit score had dropped XXXX points. We never received an email, phone call, or even letter stating that it was getting sent for collections. I sent a message via their secure messaging system again today after resetting the password as we have not used this account in 2 years. The response was to call customer service. We called twice, were put on hold and then hung up on. We reached a representative who did not like my tone and hung up on me. We called again and spoke with XXXX who was understanding of our issue but had to pass us on to his supervisor XXXX. We again had to tell XXXX the situation even though it was on our account but he said that he needed to hear it from us again. We understandbly were upset as no one has been willing to see that this is an error that needs to be rectified. XXXX was not happy with both of us speaking to him in a heightend tone and hung up on us. We called back again and spoke with XXXX who again forwarded us to his supervisor. We were on hold for XXXX minutes and then hung up on once again before speaking with anyone. So we called back again and waited on hold to speak with a representative when we asked again to speak to another supervisor. We waited on hold for 20 minutes to speak with XXXX. We explained once again what the situation was to XXXX who understood the issue and graciously said that they would remove the late fees but the {$42.00} was still due. We asked how that was possible if the truck was signed over to the dealership. He said the truck was never signed over and that they still had a lien on it. After 3 years?? I asked if I could speak to his supervisor but were told that they would have to call back in 1-2 business days. And even if the amount is paid, the credit report would still be delinquent and they can not fix that. I was begging for someone to please help us fix this but everyone kept kicking it to the next person.
|
| 05/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Dear Collections and Consumer Relations Dept. : I was recently informed of negative information reported by the following list of banks listed below included in the file XXXX maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a Checking Account Fraud in XX/XX/XXXX.
I am unaware of ever having all the following checking accounts listed below.
Please validate this information with all the banks listed below and provide me with copies of any documentation associated with this Account bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report.
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Your Address Sincerely, XXXX XXXX XXXX XXXX XXXX ID : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD BankXXXX XXXX TD BankXXXX XXXX TD BankXXXX XXXX TD BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD BANKXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD BANKXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 04/08/2017 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
On XX/XX/2017 at XXXX ET I logged onto my TD Online banking. There I received a marketing banner notification that TD 's online Transfer system had new functionality. I clicked out of the pop-up screen because I did not want to learn more or use it. I then looked at my account balances ( XXXX checking, XXXX savings and a credit card ) and noticed that the weekly transfer I have had scheduled in this system between accounts had not taken place between checking accounts. I then looked at the scheduled transfers and saw that my weekly transfer from my primary checking account to my secondary checking account no longer existed. I called TD 's customer service line at XXXX ET and was connected to CSR XXXX. I explained the situation, which she did not seem to understand the first time. I then explained it again. I also told her that I have screen shots of my system showing that I have had weekly recurring transfers between the checking accounts setup for years. I also asked for a supervisor. After going to her supervisor, she came back and told me that she could create the online transfers on their side, but they do n't show anything on their internal system that states that I EVER had weekly recurring transfers. I reinforced that I have screenshots and informed her that if I did not get a resolution, I would be going to the CFPB. I again asked for a manager. XXXX put me on a brief hold and came back with her manager, XXXX. XXXX listened again ( per TD policy, she would have reviewed the call briefly before getting on the line with me ) to my complaint ( that my automatic transfer transactions were suddenly missing, as had been happening for the past 3 months with my transfers to my credit card from this same checking account ) and then stated that they [ in the contact center ] do not have access to the same system I do therefore can only go by what their internal system tells them, which is that I have never had recurring transfers setup between checking accounts. She then offered again to setup the recurring transfer on her side, but at that point I noticed that the previously " fixed '' transfers from my checking to credit card account stated " cancelled '' in the transaction history for the one that took place on XX/XX/2017. When I looked into the account balances on XX/XX/2017, I could see the debt of the transfer amount funds from my checking account and the credit of those funds to my credit card, leading me to further believe that when they updated the new feature in their Core and online systems, as XXXX informed me they had, that it broke some intrinsic functionality in the Online Transfer product. XXXX insisted that she could only " go off of '' what she could see in her system and that she could n't see what I was talking about. She then offered to bump it up to another team that might be able to see if there was a problem, but did not offer for me to speak with them directly, either today, or at a scheduled time during the work week. She also did not provide me with a way to show her the exact screen settings I was seeing. The only course of action she insisted she had was to do the very thing I could do for myself, which was to setup the transactions again.
|
| 10/27/2016 |
Yes |
|
|
|
Web |
|
|
On XX/XX/XXXX, I received five email notifications confirming multiple profile changes from an Administrator regarding my TD account. Each occurrence transpired within 2-3 minutes per transaction, totally XXXX. For clarification purposes, I immediately contacted customer service to advise them of these unauthorized account changes. To my dismay, the service rep was " unable '' to explain and/or determine the cause. However, in order to remedy the situation an immediate " close '' on the account was recommended and processed. Since then, I received XXXX new cards separately during a 2 week interval. It is my belief and opinion that this account was internally tampered with.
Recently, I experienced significant inconveniences as it relates to an " alleged '' missed payment for XX/XX/XXXX. Incidentally, I have maintained this account ( along with several ) with efficiency and integrity since XX/XX/XXXX. Barring two instances ( including this one ) where they claimed a " 30-day '' payment delinquency on XX/XX/XXXX, XX/XX/XXXX, including the recent XX/XX/XXXX was NOT in default on my part yet processed as such. Additionally, no courtesy call was made to advise me of such. Instead, I received two letters ( dated XX/XX/XXXX ) from the Senior Vice President ( in an attempt to collect a debt? ) stating that my account was past due. Apparently, this unwelcomed communication served as another exhaustive and financial mitigation with TD Bank - as I had previously submitted this payment every XXXX of the month, due by XX/XX/XXXX. Upon bank verification status, which was not posted but clearly the gap in the check # s ( sent on XX/XX/XXXX for {$85.00}, check # XXXX ) is indicative as in the past was actually issued on my part.
Despite attempts to assure TD that this unfortunate delinquency was not my fault, immediate payment plus {$35.00} late fee AND a decrease in my credit limit from {$4700.00} to {$3300.00} became instantaneous.
With due reservations, I issued another check ( on XX/XX/XXXX ) for {$100.00}, then a replacement check to the {$100.00} for {$140.00} ( on XX/XX/XXXX ) since they " claimed '' to not have received any payment as of XX/XX/XXXX. Surprisingly on XX/XX/XXXX I was conducting an online bank transaction and noticed a pending post of {$240.00}. Upon verification with my bank, I requested a stop payment for the {$100.00} as I realized TD received and held the missing check to include with the {$140.00} payment. My bank was unable to interrupt the payment, but advised I request a refund from TD.
The following morning ( XX/XX/XXXX ) I contacted TD Bank to express grave dissatisfaction in reference to the recent events and requested an immediate reversal - {$100.00} refund, credit limit upgrade, collection debt status removed from credit bureau. Due to the level of request, I was transferred to a manager who only offered to send a business check in 7-14 days.
It is truly unfortunate to have experienced this level of impropriety, especially as a loyal customer during the past ten years. On another note, I felt this account should 've been paid off but was unable to obtain my payment history from TD as they claimed no information beyond three years is saved.
|
| 01/09/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
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This complaint involves TD Bank. I sustained damage from Hurricane Irma. I received the attached check from XXXX the only insurance company in Florida pretty much. After three months, I received a miniscule payment from XXXX. The check was made out to me as payee and XXXX XXXX XXXX and to the lawyer who is handling the insurance claim for me without whom I wouldnt get anything.
The check was endorsed by XXXX XXXX XXXX with a signature guarantee. The check was endorsed by the lawyer. I went to the XXXX branch of TD Bank on Friday XXXX XXXX, 2017 where I am known to deposit the check. I made the mistake of consulting with the assistant manager XXXX XXXX. She insisted that the lawyer fax her a signature guarantee notarized on the lawyers letterhead. It took me two days to get all the appropriate signatures including going through just about every department at XXXX XXXX XXXX.
The assistant manager would not allow me to deposit the check into my own bank account. I was not attempting to cash it, commit fraud, or do anything illegal with the check except for deposit it into my account. I asked the assistant manager why she was not accepting the check. She claimed TD bank does not accept insurance checks. I asked her if she could provide me with the policy or regulation regarding insurance check. Attached is what she gave me. This was not a third-party check. It was not a double endorsed check. I am a payee on the check. XXXX XXXX XXXX would not endorse the check if I was a cent behind on my mortgage. Lawyers are not known for releasing funds if a cent is owed to them.
I am convinced the bank manager was trying to create a new policy. Short of that. I was affected by Hurricane Irma. There have been two other hurricanes to hit the US. Hurricane Harvey and Hurricane Maria. If TD Bank is not accepting insurance checks that is a lot of checks. Why are insurance companies issuing worthless checks if the banks are not honoring them? I was a victim once of Hurricane Irma do I have to be victimized again? Then to add insult to injury TD Bank cancelled my debit cards in what I believe is a complete retaliatory action towards me. I was on the phone to TD Bank customer service ( which by the way it took 30 minutes to even get a customer service rep, then on hold for about another half hour just so the bank manager could completely trash me to her supervisors ) when a XXXX XXXX police officer came in and escorted me out of the bank to the amazement of pretty much everyone else in the bank ( including customers ). I am XXXX years old, and XXXX. All this running around completely fatigued me.
I believe I was discriminated against based on age and for being a woman. I called TD Bank customer service on Friday night when I got home, and my cards were cancelled the next day. Why the bank did that is anyones guess but I suspect it was a retaliatory action for complaining to TD bank. I wasnt robbing the bank, defrauding the bank or doing anything other than what was legal depositing a check. The bank could have done due diligence ; they did talk to my lawyer. They could have put a hold on the account, they could have contacted XXXX to check the validity but they did none of that.
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| 09/21/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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|
Web |
Servicemember |
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On XXXX XX/XX/XXXX, I logged in online to TD Auto Finance to check my payoff balance. My payoff balance was {$10000.00}. I called and spoke with a representative and made two separate back to back payments one for {$10000.00} and one for {$660.00}. I received two confirmation numbers. The next day I logged in again online on my TD Auto Finance account and observed a payoff balance of {$60.00}. I called again and was advised that these were returned payment fees from our son 's insufficient funds bank account. I bought this car for my son and he was the the co-buyer and I was the primary. I took the vehicle back from him and assumed all payments. No payment was ever late. The monthly statements never noted any return payment fees and neither did my online account. Online it only notes ( - {$75.00} ) which means rejected payment. After making the {$60.00} payment over the phone, the representative advised me that my account will be paid in full. On XXXX XX/XX/XXXX, I logged in again and noticed that there was another payoff balance of {$730.00}. I immediately called and representative advised me that she will send this issue to management for an investigation and it will take up to 5 days before they got back with me. The next day XXXX XX/XX/XXXX I logged in again online and I noticed that my account was closed ( Account Closed ). I screen shotted all transactions online with this company. The on XXXX XX/XX/XXXX I looged in and noticed that the payoff balance was {$670.00}. I contacted this company through their secure messenging system this time. This was met with no results. All of the representative tell you that will have management look into these issues and nothing is resolved. Then on XXXX XX/XX/XXXX, I received the lien release documents which was signed by TD Auto Finance and dated XXXX XX/XX/XXXX. I very concerned because this company. I have 3 Credit Reporting in one monitoring and noticed TD Auto Finance reported that I still owe {$670.00} to them. They also report a payment due of {$200.00} on XXXX XXXX XXXX XXXX ). This also unusual. I called again and was finally able to speak to a supervisor who could not show me in writing or the reason for these these erroneous balances and erroneous handling of my account and others. The supervisor could not explain to me why I would receive the lien release also. The representative before her advised that they would contact the OK dmv and have them put a hold on the lien release. I advised the supervisor that I sold the vehicle ( XXXX XXXX XXXX ) XXXX XX/XX/XXXX to another party and the title was notarized by both parties with the lien release attached. The supervisor stated that she could waived some amounts but since {$670.00} was a large amount, she could not waive it. I have disputed these charges with credit bureau 's with no results. The only reason why TD Auto Finance the 3rd party finance company is because I have my wife and my XXXX family vehicle financed with our personal bank. I do not understand how a financial institution can still be allowed to operate with these unethical practices. I am a miltary veteran, retired XXXX XXXX and a XXXX. I am very disappointed that this company would do this.
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| 11/17/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
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|
Web |
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Subject : Formal Complaint Against TD Bank for Inadequate Claim Handling and Unauthorized Transactions To Whom It May Concern, I am writing to lodge a formal complaint against TD Bank for their handling of my dispute with XXXX XXXX XXXX and for unauthorized transactions on my account. My experiences have raised serious concerns about TD Banks customer service, claim processing procedures, and adherence to banking regulations in the United States.
TD Bank, despite being a relatively newer player in the U.S. banking system with around 20 years of operation, seems to employ policies influenced more by its XXXX roots than by the norms and expectations of XXXX XXXX practices. This international approach becomes particularly evident in the handling of domestic disputes and claims.
My issue began with XXXX XXXX XXXX, a vendor with a history of selling defective products and then employing questionable tactics to retain payments. I had a clear written agreement with XXXX XXXX XXXX for a full refund in the event of receiving a defective transmission. However, when I filed an unauthorized purchase claim with TD Bank, XXXX XXXX XXXX countered by providing selective receipts and invoices, ignoring our agreement for a refund.
Despite this, TD Bank quickly refunded XXXX XXXX XXXX, disregarding the nature of my complaint and our written agreement. When I reopened the case with the help of a TD Bank representative, XXXX, the claim was inexplicably closed within XXXX days, with the same justification as before, ignoring the new evidence and nature of the complaint.
Moreover, TD Bank has recently withdrawn {$240.00} from another of my debit accounts without my consent. This withdrawal was explained as being within the rights of the bank according to the policies I allegedly agreed to upon account creation a claim I strongly contest. This action not only violates my rights as a consumer but also raises questions about the legality of such a policy.
My attempts to resolve this issue have been met with poor communication and a lack of transparency from TD Bank. The bank 's representatives have been evasive, and there seems to be a deliberate avoidance of direct communication with customers. It is imperative that bank representatives provide full disclosure, including their names and employee ID numbers, to ensure accountability and transparency in their dealings with customers.
I urge TD Bank to reopen my claim with the correct categorization as a dispute over a defective item sold, and to consider the written agreement with XXXXXXXX XXXX XXXX. The focus should not be on the warranty but on the fact that I chose not to pursue it to avoid repetitive installation costs. This decision was made in my best financial interest and aligns with the agreement made with XXXX XXXX XXXX.
TD Banks current approach is not only detrimental to customer trust but also deviates from the standards expected in the XXXX banking industry. I expect TD Bank to address these issues promptly, ensuring fair and transparent handling of customer claims and respecting the rights of consumers to manage their own accounts without unauthorized interventions.
Sincerely, XXXX XXXX XXXX XXXX # XXXX
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| 11/12/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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|
Web |
Older American |
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This is a HELOC loan that I normally receive paper statements for in the mail each month. Statements stopped coming to me after the statement dated XX/XX/, which I received. The current due, ( by XXXX XXXX ) for that statement dated XXXX XXXX was {$420.00}. Although I have had trouble paying this loan, I am paid up through that statement. I have not received the statement for the payment due on XX/XX/, which should have been dated XX/XX/XXXXXXXX -- the day of the month all previous statements have been dated. I also have not received the statement I should have received that would have been dated XX/XX/XXXXXXXX for the payment due XX/XX/.
It would not be the end of the world to just keep making payments over the phone for the XXXX and XXXX payments ( while I wait for the statement problem to get sorted out ), except that I have been told by the bank staff over the phone during my many phone calls to them that the amount due for XXXX is {$970.00}. This makes no sense as each month the payments have consistently been around {$430.00}, all the result of the increasing interest rates. A year ago this interest-only loan payment was less than $ XXXX monthly.
I have called repeatedly over the course of the last two months to ask for an explanation for the increase for the month of XXXX and for the statement for that and future months be sent to me. I still have not had a statement sent to me. Bank staff have acknowledged that I have not been sent a statement. I have also had a number of different explanations for the one-time increase, that this includes " fees, '' and/or an increase in interest and/or penalties. For what, I don't know because I have yet to receive a statement. I have had a number of bank staff tell me over the phone they will look into this and get back to me, which has yet to happen. One of these phone calls to the bank took place on XX/XX/XXXX when I spoke to an XXXX XXXX from Loss Mitigation, who told me she would look into this and get back to me. She has not. Again, this was just one of at least a dozen phone calls I have made to try and get this resolved with the bank, all to no avail.
I am becoming increasingly concerned that the bank seems to be preparing to attempt to force me into a foreclosure situation even though I am trying to pay this loan and get it to be current. I have had one bank employee tell me over the phone that {$380.00} of this added " fee '' for XXXX was for an " appraisal, '' but I have been sent no further information. The only other time I stopped receiving statements for this loan was in XX/XX/, which was related to the bank setting up a foreclosure action that took me months to resolve as this also was the result of the TD Bank 's inability/refusal to communicate effectively with me over my attempts to works with them on another loan with them ( that all was also detailed in a previous complaint with the CFPB ). There was also an " appraisal fee '' added back then, which supposedly was an added cost that was removed after that problem was resolved with the help of TD Bank staff person in Maine who was specially assigned to my case after I filed a complaint with TD Bank 's executive offices in New Jersey.
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| 04/19/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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|
Web |
Servicemember |
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To Whom It May Concern : Approximately back in XX/XX/XXXX, TD Bank N.A. sent me a letter informing me that since I had not been using my TD Bank credit Visa card they were going to close my account. I called to inquire if the high interest rate on my card could be lowered, to which they stated nope. Nonetheless, their letter encourages its clients, XXXX XXXX Clients, which I am, to keep our cards open for its " perks! '' I went ahead and used my card to make a {$39.00} purchase in XX/XX/XXXX. I made a {$25.00} payment in XXXX, but I forgot to pay off the remaining balance of approximately {$14.00}, which resulted in a late charge. TD Bank agreed to reverse the late charge, and I promptly paid the remaining balance of XXXX ( XXXX + XXXX finance charge ).
I also received another letter, dated XX/XX/XXXX, from TD Bank indicating they were reducing my {$5000.00} credit limit to {$600.00}. Their reasoning they claimed was based on too many late a poor payment history. They stated they obtained this information from XXXX. They also repeatedly stated via the phone that the reporting credit company, XXXX, is the company responsible for reducing my credit limit of {$6000.00} down to {$600.00} with TD Bank, N.A.. This makes no sense, since XXXX is only a credit reporting agency Furthermore, I have maintained an excellent payment history for the past XXXX years, and I maintain a very low-to No balance on my credit cards. This is my norm, Great paying history has been repeatedly reported on all of the three major credit bureaus ( XXXX, XXXX XXXX, and XXXX ).
XXXX Bank maintained and claimed that XXXX is responsible for reducing my credit limit. They denied the fact that my not using my credit card for some time as the reason for their huge reduction in my credit limit with them, which in essence, impacts my credit profile. *Please note : This is a major disservice to consumers treated this way.
It is unethical and somewhat criminal when a company misrepresents the truth as to why they would reduce a customers credit limit by such a large margin, and then claim and/or lie that they had nothing to do with that decision. Once again, TD Bank N.A. claims XXXX is responsible for that action.
On behalf of myself and the consumers who get treated this was, please investigate TD Bank N.A. regarding these shocking actions. This is wrong, and not fair! Once again, according the big 3 credit reporting agencies, I have maintained an excellent credit history over the past 7+ years, showing on time payments all the time, and low to no credit card balances.
TD Bank should, at the least, issue a letter of apology for this egregious and harmful action which I am a client with XXXX XXXX, the name they have on my credit card. What a harmful, irritating, and customer dis-service TD Bank rendered with this type of treatment.These adverse actions negatively impact us consumers.
I thank you in advance for your attention to this matter. I know we are all impacted by the COVID-19 situation, as we are working getting back to normalcy. Nonetheless, all companies, such as TD Bank N.A., needs to be held to honest standards and good ethical practices.
Sincerely, XXXX XXXX XXXX XXXX.
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| 03/25/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
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My wife and I have had a high-balance savings account with TD Bank for several years. Because of the higher deposit amounts, we qualify for a higher yield than a standard savings account.
In XXXX of XXXX, while I was inquiring about another banking matter, a customer service representative with TD Bank pointed out that our savings account product, " The High-Yield Savings, '' had been discontinued and replaced by the " Preferred Savings Account, '' and as a result, we were not getting the best rate considering our balance. I inquired as to why the product had been discontinued and what the difference was between the two. He replied that didn't know why it was discontinued, and that there was essentially no difference between the two savings accounts, as they had materially the same criteria and benefits.
The representative went on to suggest that this type of thing happened fairly often, and that I should keep an eye on my account, or stop in to a branch regularly for an account review. I don't know when the High-Yield Savings account was discontinued, or how much money we forfeited because we believed we already had the best account and had no reason to believe it would change.
Since that time, I have periodically monitored my rates and, if I was in a branch for other reasons, I would request an account review, as was suggested. A couple of days ago, XX/XX/XXXX, I checked the interest rate on my current savings account and found that it was about XXXX of the rate that it should have been -- 0.01 % versus 0.10 %. Again, it turns out that the reason behind the sudden drop in my savings rate was that my existing product, The Preferred Savings, had been discontinued and replaced by the " Beyond Savings '' account. And again, the only difference between the two is the name.
At any balance for an individual depositor, the amount earned is going to be relatively small on a monthly basis and can easily be overlooked or even disregarded by most depositors who are not familiar with the bank 's practices. They my go years believing their money is earning the best possible rate as promised when they opened the account. I'm also sure that this arrangement is in the disclosure forms that most depositors sign without actually reading or understanding. However, on a cumulative basis for the bank, the amount that is forfeited by it's depositors is likely to be astronomical.
I consider this practice to be a transparent form of fraud, regardless of whether it is technically legal. The bank uses this practice with the full knowledge that even its most reasonable depositors will not be able to monitor their accounts closely enough or often enough to catch each occurrence of a product change that results in a reduction in their expected earnings. Moreover, because of this foreknowledge, this practice is ultimately a premeditated method of defrauding depositors of tens of millions of dollars in interest that they should rightly expect to earn.
My question is then, whether this practice is technically legal, and if it is, whether it should be. I have let TD Bank know my feelings about this practice and I will be searching for another more trustworthy institution.
|
| 06/06/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
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|
Web |
Older American |
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The problem is with XXXX XXXX XXXX credit card issued by TD Bank.
1. I never received a first bill, and had difficulty getting to the website. TD has numerous web addresses that come up compounding the problem. I had to call customer service to find out what was going on, to be told that my first payment was late.
That was sorted out quickly when it was realized the bill had never been issued, or was sent to an old address.
2. I began my payments on schedule from there, which was supposed to be the XXXX of each month, but turned out to be the XXXX. Several months were paid without incident. Then I was a day late in XXXX. No notices were ever received, either by post or email.
3. On XX/XX/2019, I went online to pay as usual, having been ill for a few days, and the payment box clearly says " minimum due {$75.00} late charge. '' Assuming it was referring to the current payment, which was two days late, I paid the minimum requested.
4. 0n XX/XX/XXXX, when I went to pay, the minimum due had changed from its normal {$48.00} to {$86.00}. I assumed another late fee was being assessed on the due date, which some companies do and then reverse, so I paid the normal {$48.00}. Again, there was no communication whatsoever in any form as to the amount being incorrect.
5. When I went into my XXXX payment, the minimum due went up to {$120.00}. At this point it was clearly in error from my perspective. I paid the {$48.00}, and made a note to call in. Meantime I received the first and only notice in the mail that {$120.00} was past due.
6. Upon calling, it became clear that the TD representative was not about to concede the slightest flaw with the website, in spite of it taking ten minutes, following his instructions, to even find where my payment history was, since most of his instructions failed, or he could not describe the poorly designed page so that a person could navigate. It also became clear that there was no acceptance of responsibility for the website stating a minimum payment due that was actually incorrect, and not providing a correct accounting. It also became clear that TD expects the customer to check their statements first to see if the payment page IS INCORRECT.
7. By this point I had been told that I had only paid the one day late fee of {$75.00} on a minimum due of {$48.00}, a penalty of 162 %!! I was then hopping mad about the scam this guy was protecting, and the shouting match ended.
8. The scam has these components : the apparent late fee for a single day is beyond any reason, where most companies have a grace period anyway. But worse than the outrageous price gouge is the manner of concealing what one ACTUALLY OWES ON THE PAYMENT PAGE. Then with each subsequent NORMAL payment, ONE INCURS FURTHER LATE CHARGES. I can only wonder that the failure to ever send out a first bill is another part of the setup. THE XXXX 'S INITIAL STATEMENT HAD NO CONTACT INFO FOR TD!
9. A class action lawsuit has already been filed on XX/XX/XXXX in one US court for TD Bank 's multiple overdraft fees. This is part of the same corrupt banking practice.
10. I expect full fee reversals from TD and a return to normal billing. I will take legal action otherwise.
|
| 12/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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|
Web |
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Hello. So I have a car loan via TD AUTO Finance. My car was repossessed on XX/XX/20, I was in shock when it happened because I had spoken to TD auto finance on XX/XX/XXXX and we discussed that they would take a payment for my car on XX/XX/XXXX ( I was previously on a covid relief extension because of my job ). So I figured my car payment was taken care and no need to worry because my next payment isn't due until XX/XX/XXXX. Then on XX/XX/20 I was diagnosed with covid after being extremely sick, even took a 2 week pandemic leave off Wk from XXXX. So while the repossession is taking place, I call TD auto finance to find out whats going on. They immediate say the can not speak to me and transfer me to the redemptions / repossessions dept. I WAITED ON HOLD for that department to answer for 10 HOURS!! I called TD auto customer service 5 times from another phone while I held and they kept saying they could not assist. I insisted that this was a special circumstance given that I called in XXXX and scheduled this payment to be auto deducted. I asked multiple agents to speak to a supervisor and they flat out told me no. 10 HOURS holding is UNACCEPTABLE. I initiated the call at about XXXX and held until XXXX AT XXXX! the agents in customer service advised to continue holding because that dept closed at XXXX. Since I had no answer I called the next morning XXXX and finally spoke to a rep which said I had to pay {$2100.00} to get the car. I advised that this should not be happening because they were supposed to take payment on XX/XX/XXXX and I do not have that much money 2 days before XXXX. They said nothing could be done and I had two weeks to come up with the payment. I advised them that I was currently extremely sick with covid, and have been Off of work so if they contacted me between XX/XX/XXXX and XXXX XXXX, I didnt get any notifications. I advised them that I would send all the hospital documentation showing my COVID diagnosis and They did not care. I offered to give at least {$1000.00} and they still did nothing to help. This is the worst customer service I have ever experienced. To wait on hold for 10 hours With NO ANSWER and then not be given a supervisor Given the EXTREME CIRCUMSTANCE after countless calls is insane. Since then I have been trying to call back and the hold is HOURS and I can not get a hold of anyone and today is XX/XX/20.
Attached are : 1. Multiple screenshoots of the call displaying how long I was holding. Their customer serviced number is ( XXXX ) XXXX 2. my hospital records showing I have COVID XXXX ( XX/XX/XXXX and I re-tested XX/XX/XXXX ).
I need my car back! I shouldnt have to go thru this or pay repossession fees for something the auto finance company didnt follow thru on! Then to be in HOLD FOR 10 hours with no answer and no guidance and not having a clue if I will ever be heard is ABUSE! Everyday I call its the same thing unless its XXXX! And Im lucky if someones answered even at XXXX.
Its only right for TD AUTO finance to deduct all the repossession fees because they didnt follow thru and take the XX/XX/XXXX payment. They are charging about {$500.00} in repo fees and I can not afford it nor should I have to pay it.
|
| 07/01/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
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TD VISA ACCOUNT XXXX ACCOUNT OPENED XX/XX/XXXX AND CLOSED XX/XX/XXXX I HAVE EMAILED, CALLED, SENT LETTERS, TO SEND ME MY TD VISA STATEMENTS BY POST. A DESIGNATED ( PAID ) XXXX XXXX XXXX XXXX, FL XXXX. THIS XXXX XXXX WAS STRICTLY SET UP FOR TD BANK. I HAVE BEEN HAVING SO MANY ISSUES WITH THIS BANK ON CLOSED ACCOUNTS NO LESS.
I AM NOT RECEIVING MY STATEMENTS BY POST. AT TIMES CAN NOT ACCESS STATEMENTS ON LINE. I WAS TOLD FOR YEARS SINCE THE ACCOUNT IS CLOSED I HAVE NO ON LINE ACCESS AND BLOCKED BY TD BANK. MY EMAILS ARE BLOCKED BY TD BANK, FINALLY I CAN LOG IN ON LINE AND PAY AND HAVE ACCESS. HOWEVER, THAT IS NOT ALWAYS THE CASE.
I HAVE BEEN INSTRUCTED BY THE OCC TO RECORD MY CALLS. DOCUMENT ALL MY ACTIONS WITH TD BANK.. THE FINDINGS WILL SHOCK ANYONE THAT IS NOT AN EMPLOYEE OF TD BANK. I ALSO HAVE A THIRD PARTY INVOLVED WHO INSTRUCTED XXXX XXXX REFRAIN FROM HAVING ANY ACCESS TO MY TD ACCOUNTS. I HAVE EMAILED XXXX XXXX IN THE CHAIRMAN 'S OFFICE WHO IGNORES ALL MY CORRESPONDENCE. I HAVE CALLED. THE THIRD PARTY CALLED AND IGNORES BASIC NEEDS FOR MY TD VISA AND MY PERSONAL LINE OF CREDIT. A CEASE AND DESIST LETTER WILL BE SENT CERTIFIED TO HER OFFICE. XXXX XXXX IS NOT TO HAVE CONTACT ME WITH ME DIRECTLY OR INDIRECTLY AND HAVE NO ACCESS TO MY TD ACCOUNT OR ANY OF MY INFORMATION IN ANY WAY SHAPE OR FORM. HE IS VERY UNPROFESSIONAL AND LIED ABOUT THE HARDSHIP PROGRAM TRYING TO SABOTAGE. MY RECORDED CALLS AND FINDING WILL SHOW EXACTLY THAT. HE IS TO REFRAIN FROM CONTACT BY POST, HAVING ANY ACCESS TO MY TD ACCOUNTS AS PER XXXXHIRD PARTY WHO WILL TAKE THE NEXT STEP IF NEEDED. I HAVE TRIED TO MAIL A PAYMENT AND RETURNED. THE WRONG ADDRESS IS ON THE TD STATEMENT. SEE ATTACHMENTS FROM TD BANK WEB SITE. I TRIED MAILING A XXXX CHECK. I PAID A {$10.00}. XXXX ON LINE WHICH WAS SUCCESSFUL. YOU WIL SEE ATTACHMENTS OF STATEMENTS. I SHOULD HVE CONTINUED TO BE IN A HARSHIP PROGRAM. I CALLED OVER AND OVER AND OVER. PRIOR TO EXPIRATION OF MY HARSHIP IN XX/XX/XXXX. I HAVE PHONE RECORDS AND RECORDED CALLS AND THIS WILL GO TO LEGAL IF NEED BE. I WILL WIN MY CASE. I HAVE THE PROOF. I WILL SUE FOR DAMAGES. I HAVE ATTACHED STATEMENTS. I AM BEING CHARGED INTEREST, FEES ON TOP OF THE THE INTEREST THAT YOU WILL SEE NOT ON THE FIRST PAGE OF THE STATEMENT THIS IS ON TOP OF THE INTEREST. THE ACCOUNT IS CLOSED. THIS FEES ARE NOT VALID AND NEITHER IS THE INTEREST. THE HARDSHIP PROGRAM WAS RAN BY XXXX XXXX WHO WILL BE SUBPOENNA AS A WITNESS. HE WAS THE DIRECTOR OF THE HARDSHIP DEPARTMENT AND NO LONGER EMPLOYED AND HE HAS PLENTY TO SAY. THE HARDSHIP DEPARTMENT WAS DISMANTLED IN XX/XX/XXXX. PHONE NUMBERS WERE DISCONNECTED. THE CALLS SPEAK VOLUMES CALLING IN TO TD BANK. XXXX XXXX WAS NOT EMPLOYED AT TD BANK ANY LONGER AND I TRIED OVER AND OVER TO CONTINUE THE HARDSHIP PROGRAM. I MOST CERTAINLY QUALIFIED FOR IT. TD EMPOLYEES HAVE SENT ME ON A WILD GOOSE CHASE. PROVIDING NO INFORMATION, TRANSFERRING ME TO RECOVERY DEPARTMENT. MY ACCOUNT IS NOT IN RECOVERY THE RECORDED CALLS AND TRANSCRIPTS WILL SHOW BANKING VIOLATIONS AND INCOMPETENCE. TD BANK WAS PAID {$1000.00} AND {$1900.00} WAS PAID. THERE IS AN OUTSTANDING BALANCE OF INTEREST AND FEES THAT I WILL NOT PAY. APPROXIMATELY {$430.00}.
|
| 01/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
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I have been in literally a war with this bank and the many employees. XXXX XXXX-lets start at the top. I have spend months on end, going into three different branches and my payments to my visa were not even applied to my account with proof I paid. It was nothing but spite work and tried to ruin my credit! I XXXX never been late with any Creditor. These people are wild bores, animals. I tried calling the loan department to make a payment and told by a supervisor i do not have the right password and sound not take my payment!!!! I am blocked from on line to log in. I am being charged interest late fees on my personal loan. TD has not reported in 13 months all the payments I made! They state they gave me a loan modification! Lies!!!! I didnt hours with managers and XXXX XXXX told his employees not to help me. I provided all the documents to an idiot bank manager for three hours!!!! All they did was make my life a living XXXX. My bank does not have an electronic relationship with TD. I wonder why! I will no longer go into the bank because my payments become lost, missing, credit another persons account. Anything to sabotage. I have filed an OCC and a FTC with all of my documents, names, dates down to the very last detail to clearly show these people are not only clearly stupid but are purposely not reporting, they are committing fraud. I can not make a payment! I will not mail it. They will not take my payment over the phone. They said into into your branch and proof your identity!!!!!! TD needs to be fined! TD is trying not to take my payments and not report them. I do not owe {$2000.00}. I paid them {$6000.00} through a balance transfer and they tried not to take that payment. XXXX XXXX can back up my claim. Not only that. These idiots send me a letter and the date is wrong by three months! Idiots!!!! I tried to call them about this payment and they would not talk to me they said I do not have the right password! Its the same password since XX/XX/XXXX! I never changed it. 6 years ago I tried to take out {$5000.00} cash out of my TD bank account which I had for 10 years! I went in person and the teller said you misspelled your password I can not give you the cash. I had my Florida Driver Lisc along with all ID it took 3 years!!!! I know how to spell my dogs name. These people are pathetic! Its XXXX not XXXX! Two years ago my Mother was sick in a XXXX from XXXX. I called them because my Savings of went to my Mother! These XXXX XXXX said you need to go into default before we help you!!!! They are the biggest XXXX XXXX. They are dis honest, seething, I want nothing to do with this bank! If I can not make a payment as I tried calling today XXXX. I am not late nor in any kind of default. My credit is stellar!!!!! XXXX XXXX is useless, does not provide a break down of my daily interest, monthly interest on my loan!!!!! I called on months on end. Its disgusting! XXXX XXXX is the biggest XX/XX/XXXX of them all! Lying cheat and I assure you I am putting his cell number, his home address on social media! His home line, his office address. I am sure he has done so much fraud he needs to be investigated. XXXX is too nice of a place for this degenerate.
|
| 02/29/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
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|
Web |
Older American |
|
My complaint involves fraud and forgery of my personal checks in the amount of over one hundred thousand dollars and I was never informed by the Banks.
In XXXX, me and my then-fiance agreed to go 50/50 to purchase a house in XXXX Delaware. At that time, I had an open line of credit on my XXXX home for {$50000.00} from TD Bank which I intended to use for my sons college education. I also took out a line of credit for approximately {$80000.00} through XXXX XXXX. In XX/XX/XXXX, at the closing office of XXXX XXXX XXXX XXXX in Delaware, they informed me that a {$10000.00} dollar check was written against my account and had bounced. It was revealed that my ex had without my knowledge attempted to write the check against my TD Account. At this point I no longer wanted to make the purchase of this property but was informed, if I didnt continue, I would be penalized XXXX.
After the closing I discovered that my ex withdrew approximately {$31000.00} from my TD account and {$80000.00} from my XXXX account respectively. I then threatened to contact the Police and press charges, but she promised to pay the money back.
I reported this incident to both Banks but was told that the accounts were in my name and I was responsible for making the payments.
I contacted the XXXX XXXX XXXX XXXX, XXXX and XXXX. They inform my ex of the charges and advised her that if she violated the arrangements, I would press charges. My ex agreed to make the payments.
Ms. XXXX was making payments until XX/XX/XXXX and stopped. When the Banks contacted me regarding the late payments, I again informed them that the money was stolen from my account. They again said they would only say that the accounts were in my name and Im responsible.
On XX/XX/XXXX I went into the TD Branch in NY to obtain a copy of the transactions on my account and it was discovered that Ms. XXXX had stolen two checks and Forged my signature. Prior to this I was never informed by TD Bank. In addition, I was presented with two checks from XXXX XXXX that was also forged. Through TD Bank, I filed an Affidavit of Forged, Counterfeit or Stolen Check ( s ) and a Fraud Investigator was assigned. My account was eventually changed but to date I have no knowledge of the status of the investigation. I have been advised by Customer Service that while the investigation is ongoing no payments have to be made, but collections informed me that I am still responsible for making payments which is a hardship.
My complaints to XXXX XXXX was the same. Being told that I was responsible for the payments. After my constant complaints, I was informed to report the incident to the Police, get a Case number then respond to the XXXX NY Branch to file a report.
My local XXXX precinct would not take a report because to much time had passed when the Fraud had taken place. I reported the incident to the FTC, the FBI and Secret Service.
On XX/XX/XXXX I responded to the XXXX XXXX XXXX location and filed a Loss Affidavit Report. At no time did XXXX XXXX inform me that my name was Forged. The signature on the checks is evident of Forgery.
Since this Fraud incident my credit score has declined, I have appealed to the Credit Bureaus.
|
| 10/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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We hope this message finds you well- I am reaching out as a valued XXXX business customer who is currently facing an unfortunate incident involving a fraudulent check. This check was intercepted from one of our vendors and remotely deposited at a TD bank ATM. We were promptly notified by TD 's fraud department about the flagged fraudulent activity, ensuring that the funds were not dispersed.
Since XXXX of this year, we have diligently attempted to retrieve the funds from TD, but regrettably, all our efforts have been in vain. Being a small business, losing an amount exceeding {$10000.00} places an overwhelming burden on our daily operations.
We have invested considerable time and energy in resolving this matter, and it is disheartening to find ourselves in a situation where we are unable to access funds that rightfully belong to us.
To aid in resolving this issue, we have attached all the relevant information to this email, including details about the original check, the invoice, and our comprehensive correspondence with our dedicated XXXX business manager.
We earnestly request your assistance in resolving this matter promptly and returning our funds. Your intervention will be immensely appreciated and will alleviate the significant strain this situation has placed on our company.
Thank you for your attention to this matter. We look forward to a swift resolution and the return of our rightfully owed funds.
Best, XXXX XXXX be advised that the following information has been compiled based on our attempts to recover funds involved in a fraudulent transaction : On XX/XX/2023, XXXX XXXX XXXX XXXX issued check # XXXX payable to XXXX Finishing in the amount of {$10000.00} for invoices # XXXX and XXXX. The check was mailed to XXXX Finishing located at XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX XXXX
XXXXXXXX XXXX XXXX XXXX was notified by XXXX XXXX on XX/XX/2023 that they did not receive the check.
The check had been presented and paid against XXXX XXXX XXXX XXXX account # XXXX on XX/XX/2023. That is when XXXXXXXX XXXX XXXX XXXX began the process of filing a claim to recover the funds.
On XX/XX/XXXX, XXXX XXXX XXXX XXXX completed a Declaration of Unauthorized Endorsement or Altered Item by having the payee complete the Affidavit stating he did not receive the check and submitted to XXXX.
Following up on XX/XX/XXXX, it was discovered that XXXX XXXX left out his title underneath his signature on the original Declaration, so he resubmitted the corrected paperwork to his Relationship Manager, Banker XXXX XXXX, who forwarded the updated document to the Fraud Department.
In the interim, XXXX XXXX XXXXXXXX XXXX had been in contact with TD Bank, since that is the bank where it was negotiated. They spoke originally to XXXX at XXXX in XXXX and then with XXXX who provided his employee # as XXXX. They were unable to assist.
On XX/XX/2023, at XXXX, XXXX XXXX XXXX XXXX a joint call with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX of TD Banks Fraud Dept at XXXX.
We were further transferred to the Global Security Division of TD Bank and assured that they would try to expedite the case and internally contact XXXX XXXX XXXX.
|
| 01/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with fraud alerts or security freezes
|
|
Web |
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Numerous check were cashed using same day cash method at multiple TD bank locations just south of XXXX RI posing as me. It wasn't until the 3rd attempt to cash the check that a teller discovered an outdated FL license that was used as ID that did not match the current account address. The the teller added a note suspecting fraud and account take over. No further action was taken. Client ( myself ) was not notified of suspected fraud at any point. It wasn't until the first 4 checks that were successfully cashed and bounced that there was any indication of fraud. No check cash, deposit, takeout was ever noted within account or to the customer until funds were removed from the account almost two weeks after first check due to a " Deposit Check Return '' - essentially a bad check and the bank took the funds that were cashed out from the account.
Event Timeline from talking with multiple TDBank associates, local and phone : XX/XX/XXXX - Two fraudulent checks cashed at XXXX, RI TDBank branch for {$2400.00} each. Checks were signed on back with SS # indicated.
XX/XX/XXXX - Two fraudulent checks cashed at XXXX, RI TDBank branch for {$2100.00} each. Checks were signed on back with SS # indicated.
XX/XX/XXXX - Two fraudulent check attempted to be cashed, unknown amount. Teller put note about transaction as " Potential Account Takeover Fraud ''.
XX/XX/XXXX - " deposit check return '' with multiple debits associated with account that posted on XX/XX/XXXX in the amount of - {$2400.00}, - {$2400.00}, - {$2100.00}, - {$2100.00}. No other indication of deposited fund were ever associated with check - likely cashed on spot at first two locations with Teller missing multiple red flags including bank that doesn't exist in XXXX, " Company '' that issued the check with address in RI that doesn't exist, account number associated with checks that showed no activity of any transaction in the previous two years.
XX/XX/XXXX - Noticed unusual activity resulting from " deposit check return '' with multiple debits associated with account that posted on XX/XX/XXXX in the amount of - {$2400.00}, - {$2400.00}, - {$2100.00}, - {$2100.00}. Contacted TDBank Fraud department and reported incident who confirmed fraudulent activity. Suggested signing Affidavit of Forgery, closing account and opening new.
XX/XX/XXXX - Went to local TDBank to sign Affidavit of Forgery where it was noted that the third attempt was declined and flagged due to drivers license not matching account. Received copies of check that were cashed In total, {$9100.00} were removed from account due to bad checks that issued cash at brick and mortar branch locations over XXXX miles away from current address on file and XXXX miles away from " home address '' indicated on cashed check and likely on fraudulent FL drivers license that hasn't been a current address in over 10 years. It was a failure of security on multiple levels that include not adequately identifying client based on current information within their system, having no indication of account activity from cashed checks within account both online and statements, not reporting suspected fraudulent activity to client when suspected.
|
| 02/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
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I have XXXX accounts with TD Bank : checking, savings, and a credit card. I have recently seen alarming patterns of reoccurring fraud on my account. When I opened a dispute on one of the fraudulent, unauthorized transactions I was sent a letter saying TD determined that fraud did not occur. Here is a breakdown of what happened : XX/XX/XXXX I received a TD Bank Fraud Dept text message at XXXX on XX/XX/XXXX asking if I attempted a {$1000.00} withdrawal. I texted back no. I got another text saying my card was turned off and to call to order a new card. This debit card was in my possession, in my wallet at the time of this fraud. I was in my bed, half asleep, when I got the text message.
Later that morning I checked my TD accounts ( checking, savings ) and saw a {$300.00} ATM withdrawal from my savings in a different neighborhood. I called TD, who confirmed that someone tried withdrawing {$1000.00}, and it was rejected, but they were able to successfully then withdraw {$300.00}. They then tried to withdraw {$700.00} which was denied and I was not notified about since the card was turned off. My card was then unsuccessfully used at various gas stations and a casino.
I requested a new debit card sent to my home address. I submitted a dispute against the {$300.00} withdrawal on XX/XX/XXXX and on XX/XX/XXXX received a letter stating TD determined that fraud did not occur.
I never received my new debit card.
XX/XX/XXXX I received a TD Bank Fraud Dept text message at XXXX on XX/XX/XXXX asking if I attempted a {$500.00} withdrawal. I said no. I got another text saying my card was turned off and to call to order a new card.
I then checked my TD accounts ( checking, savings ) and saw a {$500.00} withdrawal from my savings, a {$500.00} withdrawal from my checking, a {$500.00} withdrawal from my checking, a {$3.00} balance inquiry fee from my checking, a {$3.00} non TD ATM fee from my checkin, and another {$3.00} non TD ATM fee from my checking. And a pending {$23.00} XXXX withdrawal from my checking. All of these transactions were on XX/XX/XXXX.
I called TD, and submitted disputes against all these charges, except for XXXX since that is still pending.
On XX/XX/XXXX I received the letter stating TD determined that fraud did not occur on the {$300.00} dispute I filed on XX/XX/XXXX. I called TD again and was told that my new debit card that I had requested on XX/XX/XXXX had been sent out and activated, even though I have not yet received it in the mail and I did not activate the card. Someone at TD said that someone activated my card using my social security number. I was told to file a police report to reopen my dispute and advised to request a credit freeze with the XXXX credit bureaus which I then did.
This is an extremely frustrating situation. These instances are all fraud and are very different from my day to day spending habits. I have been a TD banking customer since XXXX so they are aware of my habits and they know this is fraud. I was alerted to the fraud by TD, and now TD is denying that there is any fraud. I feel like my money and identity is not safe with TD, and I am scared. It is a large amount of money that I need back.
|
| 03/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
As a patron of the TD Yard Card since XXXX, I have had an impeccable payment record. I called the company in the beginning of XX/XX/XXXX to determine the full payoff amount. The representative told me the pay off amount XXXX {$4400.00} XXXX. I wrote the check in the provided amount and mailed it. I have requested time and time again through the multiple disputes I have filed ( 2 with the company and the 3 credit reporting bureaus ) that they pull and review the recorded conversation. I mailed the check on XX/XX/XXXX, yet it was not posted to my account until XX/XX/XXXX, 4 days past due. I imagine there was a delay in mail delivery due to COVID and then another time delay from when the company received, opened and posted it to my account. However, none of these issues were known to me until XX/XX/XXXX when I received a mailed letter from Yard Card indicating that they have been unable to reach me via electronic correspondence. My email address was and still remains and I check my spam email everyday so I assume it was an issue with their internal mail delivery system. My mailing address is also still correct and I never received any paper notice until the letter dated XX/XX/XXXX. However, I had no reason to believe XXXX that my account was not paid in full back in XX/XX/XXXX and XXXX that I would not have received notice if I had a remaining balance on my account. Apparently, there was an unpaid balance of {$45.00} along with a late fee that created a trickle-down effect. I immediately paid it once I discovered I was not receiving correspondences from them for unknown reasons. It was never my intention to submit a late payment or to leave an unpaid balance. To date, Yard Card is the only late payment history on my credit report.
Since realizing what happened, I have reached out to Yard Card on many occasions. I have submitted two formal written requests to request them to correct my account considering the extenuating circumstances. Within those times, I called Yard Card a total of 6+ times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX to speak with someone regarding the situation and also find out the status of my disputes. One such time, they claimed to have never received it. Then after submitting it again, I followed up via phone to be informed that it was the wrong form. After mailing the " correct '' form on XX/XX/XXXX, they did not receive it until over a month later on XX/XX/XXXX. After filing these disputes, they have retro-added two more delinquent months on my credit report from the beginning of the year that were previously showing in good standing! I have also attempted disputing these issues online through all three credit reporting bureaus : XXXX, XXXX and XXXX. If I contact Yard Card, I am unable to ever speak with a Dispute Resolution Specialist who is directly related to these issues. All of this has been a mishap on behalf of Yard Card for which I am being penalized. Yard Card has shown no effort in trying to truly understand and resolve my case and correct the clear internal issues they have that is probably causing the same issues for many others like me.
|
| 05/18/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
This complaint is related to a Target Credit Card. I had been a customer for 13 years in good standing and regularly used the card and paid the bill on-time. Normally paid through the mail on a monthly basis.
In XX/XX/2021, I submitted a payment using a checking account for XXXX XXXX Bank that had been transferred to XXXX XXXX. The new XXXX XXXX checks had not arrived so I used a XXXX XXXX XXXX check to make payment. The payment arrived at Target approximately 3 weeks late due to delays in mail being delivered. When received and opened by Target, the check was not valid due to account transfer to XXXX XXXX. They communicated with me via mail which took several weeks to arrive to me before I was aware my 1st payment had not processed. I was not aware of the 1st payment not processing until the following month when I sent a following month payment using the same checks. Finally after this 2nd check was sent and tried to cash which did not go through, I was able to set-up autopay and have the account autopay and reconcile all previous payment errors and late charges were waived by Target. I was under the impression that all was resolved as they had waived late fees and seemed to understand that the delay in mail was their responsibility and that the transfer of the checking account from XXXX XXXX XXXX to XXXX XXXX was an extraordinary situation that had been resolved with setting up monthly autopay.
A week later I received a correspondence that stated my account had been closed due to returned payments. This was one of my largest and oldest credit lines that had really established a strong payment history for my credit bureau profile. The closure of the account negatively impacted my credit score by approximately 50 points for both the credit line and the length of time I had the account. Once I realized this had happened, I called Target and they said this was an auto decision that could not be reversed/reinstated and that they were sorry. They suggested that I try to open a new account. I was very disappointed that they could not reinstate my account as I had been a loyal customer for 13 years and this account had really helped to establish my credit and was used regularly. I will not be opening a new account with them.
What I would like is for them to look at the full picture of my account and not just the past two months that in my opinion was some their fault and some due to the process of transferring checking accounts from bank to bank. I would like to reinstate my account to its previous status, which is what I asked that they do when I spoke with their customer service. It was an honest situation that I am sure happens to many customers when banks purchase other banks. It was not a situation that happened regularly with my account to try to play the float game. The old bank checks can become stale and with the delay in mail and only communicating with me about the situation via mail that seemed to really slow down the process to resolve. Then, even when I felt the situation had been resolved, they went ahead and closed my account without my knowledge.
Thanks in advance for your assistance with this matter.
|
| 05/27/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
I am requesting your assistance on a complain I have against TD customer service and TD bank fraud investigating representatives.
On XX/XX/2021 at around XXXX XXXX I utilized an ATM located at XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX. I deposited a check for {$270.00} without any issues. However, a cash withdraws for {$200.00} was not process normally and the ATM did not return my debit card. The ATM displayed a message System is DOWN. Still at TD bank parking lot, I called TD bank customer service at XXXX at XXXX XXXX per my cell phone call log. I explained the customer representative what happened and reported my debit card was lost.
On XX/XX/2021, at XXXX XXXX, I called TD customer service reporting two fraudulent transactions on my account of {$400.00} dollars each for a total of {$800.00} dollars. She advised me that the debit card was still active, and the first TD Banks customer service representative did not deactivate my debit card when I called to report my card missing on XX/XX/XXXX. At this time, the transaction where in pending status and to wait until the transaction get posted to submit a claim. On XX/XX/2021, both transaction of {$400.00} dollars plus {$9.00} dollars in ATM fees were posted to my account. That day, I called TD Banks customer service and processed a claim for those two transactions. After seven days, I inquired with the TD banks branch manager at XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX and she advised me that the claim was denied two days after I submitted it.
Per XXXX FL, TD banks branch manager, TD Banks fraud department denied the claim because the transactions were processed with an active debit card and the correct pin number. I explain to the branch manager the incident on XX/XX/XXXX. So, she filled another claim with the same results. A third claim with a police report was also filled and it was also denied by the TD bank.
I called TD bank customer service requesting any documentation related to reference numbers XXXX, XXXX and XXXX last claim submitted with a police report. TD customer service response no documentation is available because it was an internal investigation.
My arguments are : Why did TD bank customer service neglected to de-active my debit card when I called on XX/XX/XXXX?
Since TD Banks customer service on XX/XX/XXXX did not de-active my debit card, thieves were able to withdraw cash from my account.
How did some get my debit card from an ATM within bank premises? Access to an ATM interior is only to bank employee.
TD Banks fraud department maintains that the transactions were completed using an active debit card with the correct pin number. First, I reported the card missing and TD Bank failed to de-active the card. Second, TD Banks fraud department never heard of criminals using schemers and other technology to mitigate banks ATM security. No one from TD Bank ever call me to ask me any questions and actual investigate.
Third, If TD Banks fraud investigators believe that I am filling a false claim, why they do not file a police report and prosecute me. I believe that filling a false bank claim and police reports are crimes.
Thank you for your assistance
|
| 02/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/XXXX I filed a claim for {$1500.00} in payments to a pawnshop for which I never received the product ( they sold it to someone else ). I was told that if the Claims Dept needed more information, they would call me. On XX/XX/XXXX a provisional credit for {$1500.00} was applied to my account. On XX/XX/XXXX, Claims Dept REVERSED the provisional credit, stating they contacted me ( they did not, nor can they prove they CALLED, TEXTED, or sent a LETTER ) for supporting documentation, which they said I failed to provide. On XX/XX/XXXX I spoke with Branch Manager XXXX XXXX, who requested I send the documentation and she would forward to the Claims Dept. She also requested a letter from my attorney. On XX/XX/XXXX I called the bank to see if XXXX had submitted the documentation, but she was off. On XX/XX/XXXX I called the bank and told XXXX to email my attorney for the letter she requested ( stating he was handling the case concerning the {$1500.00} in payments ), which she did at XXXX XXXX and received at XXXX XXXX. Around XXXX XXXX XXXX confirmed on the phone to me that she was faxing the documentation to the Claims Dept. On XX/XX/XXXX I emailed XXXX to clarify whether it was XXXX calendar or business days for the provisional credit to be returned and learned it was XXXX business days. On XX/XX/XXXX I called XXXX again when the credit still hadn't hit my account and learned she was off, and that no other manager was empowered to act on my behalf THAT DAY. I also emailed XXXX to let her know I called TD Bank XXXX, was told NO ONE ( neither customers nor employees ) COULD SPEAK DIRECTLY WITH THE CLAIMS DEPT, and was told they CLOSED my claim because they said they never received XXXX 's fax from the week before. I informed XXXX that I had not had access to my account for 10 DAYS, had no food, and was XXXX. On XX/XX/XXXX XXXX XXXX the Collections Dept of XXXX XXXX called again. XXXX emailed she would " bump up '' the situation to get a faster resolution and would research who the claim was assigned to and see if she could go to them directly. I emailed her that XXXX XXXX XXXX Collections Dept was now calling me ( repeatedly over several days ) to collect the overdraft amount which was incurred when the bank reversed the provisional credit. XXXX replied again that she had " bumped up '' the situation and was working on getting a resolution. I emailed back again that I had no food, was XXXX, and had no access to my account. On XX/XX/XXXX at XXXX XXXX XXXX XXXX called my phone but when I answered, they hung up. At XXXX XXXX I tried calling XXXX XXXX bank + spoke with the Collections agent yet again, who put me on hold, then came back on and said her supervisor said the branch manager needed to go into my account, click on the XXXX XXXX, click on the Retail XXXX Fraud Shield, then click on the Claim Investigators Smartform. I relayed this information to XXXX, who told me she had done all that on XX/XX/XXXX.
Today, as of this writing and submission, it makes 13 days since I've had access to my account. Yesterday I went to a food pantry, and I have XXXX prescriptions to pick up at XXXX. But no money. Please, please help.
|
| 09/27/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I deposited a {$6500.00} business check from an XXXX Account ( Former XXXX ) for consulting work in person on a Saturday morning at TD Bank XXXX, NJ. Should be available Tuesday 1 bus day after deposit. Well TD Bank tried to hold my check for 10-days! The plan here is to catch me with Overdraft Fees at {$35.00} per check and going foward afterwards. The check was paid by XXXX Bank on Tuesday XXXX as it should have been, but TD Bank said the check was A. Bad check from former XXXX and XXXX XXXX. B. Flagged by the XXXX as " suspicious ''. I called my friend on the XXXX, who said we do n't do that. C. TD Bank would clear the " Bad Check '' but it would take10-days. Why would a Bad Check ever clear? This check was cleared, then held, then cleared all within 2-days. Finally permanent hold. Until I went to XXXX branch with a letter from XXXX dept saying check was paid on Tuesday morning as it normally would be. TD Bank had my money for a week and charged me Overdraft Fees while they held my {$6500.00} in their account! My clients are the XXXX in XXXX, the State of XXXX and XXXX individuals. Never had one check bounce in 34-years, with over 20-years at TD Bank. Interest rates are at historic lows, there is no rate spread to make money, so TD Bank is forcing customers to overdraw checking accounts to collect {$35.00} per check Fees! Fees are where the real money is in Banking today, not interest rate spreads.
TD Bank has a systemic Bank wide plan to withhold large small business deposits, knowing owners are counting on the next business day check availability they advertise and writing checks to pay their bills. TD Bank withholds those funds, even though TD Bank was Paid by the other Bank, for a week to 10-days and watches the {$35.00} per check Overdraft Fees pile up! Hey, a New Profit Center. What a scam!
Now they have Plan B too! Check your checking account online before bed, no pending checks, positive balance. Wakeup in XXXX check account, pending withdraw I forgot about , drive to XXXX XXXX at XXXX and deposit {$180.00} Cash. Positive balance on receipt. Still get charged {$35.00} Overdraft Fee, which then causes a {$20.00} check, which was covered prior to Overdraft Fee, causes another {$35.00} Overdraft Fee!!! This is the cascading power failure scenario, but for Banking and increased profits! There is literally No Way to Avoid a {$35.00} Overdraft Fee at TD Bank, no matter if you checked your account around the clock. Because the server is down at XXXX XXXX when they process the overnight transactions. So by the time you see it, it 's already too late, do n't add cash to you account, you are already too late! TD Bank added the Guranteed Overdraft Fee Amendment to our Banking fine print in XXXX 2016. I wonder how much Overdraft Fee Income went up since then, a XXXX or XXXX??
My old friendly TD Bank and America 's Most Convenient Bank is far from that now, now that the XXXX took it over from local ownership!
This needs an extensive Congressional Investigation of TD Bank, and others. I will be consulting with Counsel about a Class Action lawsuit. Good luck with fixing this one! But that is the CFP Boards job!
|
| 02/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
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On XX/XX/2023 I contacted TD Auto Finance through correspondence regarding account # XXXX. After carefully reviewing the contract I noticed there was numerous violations regarding the disclosures and the exclusions for credit reporting under 15 USC 1681 i ( 2 ) ( b ). Under truth in lending 15 USC 1602g specifically states what is excluded from credit reporting. Please see the affidavit of truth USPS tracking # XXXX TD Auto Finance also violated the Gramm-Leach Billey Act with respect to 15 USC 6802 obligations with respect to personal information. This complaint deals with an Auto dealer that assigned the retail installment contract and inside the contract the following violations are the responsibility of TD Auto Finance along with XXXX XXXX XXXX. The following is in the contract : Notice any holder of this consumer credit contract is subject to all claims and defenses which the debtor can assert against the seller of good or services obtained pursuant to or with the proceedings hereof recovery here under by the debtor should not exceed the amount paid by the debtor hereunder. Please see Exhibit of the contract with the correspondence. TD Auto Finance knowingly and intentionally with a deliberate indifference is violating my consumer protection rights under the Fair Credit Reporting Act for failure to conduct a proper investigation and submit my affidavit of truth to their law department to verify the violations. On previous correspondence they are stating that their credit reporting is accurate. I have never given them consent to report anything on my credit report- more specifically they violated 15 USC 6802 with obligations with respect to disclosures of personal information in the statue it states clearly that I have a right to opt out as follows : 1 In General financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party.
( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure item.
XXXX XXXX XXXX did not disclose this information to me that is required by federal law.
XXXX XXXX XXXX knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties.
XXXX XXXX XXXX knowingly and willfully withheld information that explained how the consumer can exercise that nondisclosure option.
I am requesting that the consumer financial protection bureau force them to comply with the law and provide me the full disclosures that are guaranteed under the fair credit reporting act and congressional findings and statement of purpose under 15 USC 1681a Also, XXXX XXXX XXXX are responsible for these violations as well.
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| 02/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On XX/XX/2022 I sent TD Bank an letter via certified mail XXXX XXXX XXXX XXXX XXXX XXXX. Starting In the 4th paragraph on the 1st page I requested an opt-out pursuant to the Graham Leach Bliley Acts ( GLBA ) privacy provisions codified at 15 U.S.C. 68016809. The FTC has provided a Graham Leach Bliley Act business guidance resource at the following link. XXXX XXXX XXXXXXXX According to GLBA subsection Exercising the Opt-Out Right says that Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible.
According to the GLBA TD Bank is obligated by law to discontinue sharing my nonpublic personal information with all non-affiliated third-parties which includes all credit reporting agencies such as XXXX and XXXX see attached credit report for private data sharing violation. According to the FTCs website under the GLBA section What information is covered, nonpublic personal information ( or NPI ) is described as any information an individual gives you to get a financial product or service ( for example, name, address, income, Social Security number, or other information on an application ) ; any information you get about an individual from a transaction involving your financial product ( s ) or service ( s ) ( for example, the fact that an individual is your consumer or customer, account numbers, payment history, loan or deposit balances, and credit or debit card purchases ) ; or any information you get about an individual in connection with providing a financial product or service ( for example, information from court records or from a consumer report ).
TD Bank neglected its initial obligation to provide me with a privacy notice and opt out disclosures that satisfies GLBA guidelines. Under the section Who Gets a Privacy Notice? Subsection : Customers- its states, Whether or not you share customer NPI , you must give all your customers a privacy notice. You must provide an " initial notice '' by the time the customer relationship is established. If this would substantially delay the customer 's transaction, you may provide the notice within a reasonable time after the customer relationship is established, but only if the customer agrees.
If you share NPI with nonaffiliated third parties outside of the exceptions described within ( see " Exceptions '' ), you also must give your customers : an " opt-out '' notice explaining the individual 's right to direct you not to share her NPI with a nonaffiliated third party ; a reasonable way to opt out ; and a reasonable amount of time to opt out before you disclose her NPI.
I was never given the initial opportunity to opt-out of my non-public personal information being shared and TD Bank has continued to deny my right to privacy evidenced by their continued reporting to XXXX and XXXX. Penalties for non-compliance with the GLBA can include fines up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation, criminal penalties of up to 5 years, and the revocation of licenses.
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| 03/09/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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My auto monthly payment is due on the XX/XX/XXXX, however I make a payment almost every two weeks. I've had this loan since XX/XX/XXXX and I've never made a late payment. I was actually paid ahead at one point. I've also always made an online payment, with the same checking account that I've had going on 15 years from XXXX. I logged on to the system to make a payment on Saturday XX/XX/XXXX, however I received a message stating there is system maintenance and to try again at a later date. I then tried again on Saturday XX/XX/XXXX around XXXX cst. and I received the same message so I called customer service at XXXX XXXX and I spoke to a young lady by the name of XXXX XXXX. She advised me that there's usually system updates between XXXX and XXXX XXXX cst on Saturdays, and that I should wait about 20 minutes or so till it's XXXX my time and make the payment and I did. When I logged in about 45 minutes later I noticed that all of my checking account information that was in the system was wiped out. So I entered all of my checking info again and I made a payment of {$440.00} at XXXX and I have a transaction ID # and a screenshot of the date and time of that payment. ( Since I made the payment after 4, the payment date reflected XX/XX/XXXX ). On Friday XX/XX/XXXX at XXXX, I receive an email from my lender stating that there was an error processing my payment. So I called customer service on XX/XX/XXXX at XXXX XXXX and spoke to a gentleman by the name of XXXX XXXX. I advised him of what my experience was the last few weeks and he acknowledged that there was a system update that wiped all of the payment info from the account and there could have been an error processing the new payment. And he asked me to make a payment over the phone, and I declined. My normal payment method is online, so while I was still on the phone with him, I logged on and made a second payment for {$500.00} at XXXX XXXX. I asked him if the payment will be effective dated to the original date I submitted the payment ( since it's their error ) and he said once the payment goes through, for me to call back and someone can help me with that. I also have a screenshot and the transaction ID for the second payment as well. I asked him how long does it normally wait to post, he said I should know by 5 business days starting Monday XX/XX/XXXX. I checked my email for a payment confirmation in addition to my checking account daily to ensure the payment was processed and there was nothing. So after 5 business days ( XX/XX/XXXX ) I called customer service at XXXX. The call automatically went to a collections agent since I'm " technically '' 11 days late, and that's where I spoke to XXXX XXXX. And just like I did XXXX, I told her what happened and said I'll make a payment however it needs to be effecitve dated correctly back to 02/25 since that was the original payment date and she said she could not do that. I asked to speak to a manager and I was on hold for almost 10 minutes with no success. So not to perpetuate the problem, I made a third payment over the phone with her for {$500.00}.
I attached screenshots for the two online payments made as proof.
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| 03/08/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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On XXXX/XXXX/16, I received my initial auto loan statement from TD Auto Finance, in which the payment was due on XXXX/XXXX/16. After receiving and reviewing the statement, I went online to www.tdautofinance.com to set up automatic payments. I opted to have my checking account drafted for the payment amount due each month. I also set up e-statements in order to forgo receiving paper statements every month. The process went smoothly and the first payment was processed with no issues or problems.
However, on XXXX/XXXX/16, I discovered after signing into my auto loan account through the TD Auto Finance website that I was unable to view my online e-statement for any of my XXXX statements generated thus far. As a result, I decided to call a TD Auto Finance customer service representative to find out why I was unable to access my statement details. After inquiring, the customer service representative informed me that monthly statements are discontinued ( both paper and e-statements ) because of signing up for automatic payment deductions. According to the customer service representative, this has always been a practice at TD Auto Finance.
Another concern I discovered and brought to the customer service representative was regarding how TD Auto Finance applies additional auto loan payments. There is no option under auto payment for consumers to make a payment for more than the minimum payment due, if the consumer elects to do so. If the consumer elects to make an additional payment to his/her account, then the consumer must make a separate one-time payment. On XXXX/XXXX/16, I elected to make an additional payment of {$30.00} to my auto loan separately from my minimum auto loan payment. Therefore, XXXX separate transactions took place. As a result, I wanted the additional payment of {$30.00} to be applied towards my outstanding principal balance. However, in viewing my account online, it was determined it was not applied towards the principle balance. The payment was applied towards interest, which in turn, lowered the next month 's minimum monthly balance due. On XXXX/XXXX/16, after inquiring with the customer service representative, she confirmed that any additional payments made are not automatically applied to the remaining outstanding principal balance. The representative further stated that if I wanted additional payments applied towards the principle balance then I have to call a representative or send a secure message through the website each time. I made it clear to the customer service representative that I wanted the additional payment I made on XXXX XXXX, 2016 for {$30.00} reallocated towards the outstanding principal balance. I also requested a statement to reflect the payment reallocation.
My concerns noted above appear to be potential violations of law under Regulations E & Z and warrants further investigation. Please note that I conducted a XXXX search titled " TD Auto Finance consumer complaints '' and I have found a slew of complaints pertaining to issues with TD Auto Finance 's poor billing and payment allocation practices. As a result, the issues noted above appear to be systemic issues.
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| 08/20/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXXXXXXXXXX XXXXI am writing in regards to the above-referenced debt NORDSTM/TD ACC#XXXX to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Respond As a victim of identity theft (meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver's license numbers, in order to impersonate someone else) I have provided relevant information about my Identity Theft Report. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623(a)(6)(A),you must not allowed the furnisher may not continue to report that information to any CRA. FCRA § 623(a)(6)(A), 15 U.S.C. § 1681s- 2(a)(6)(A). Second, under FCRA section 615(f), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA § 615(f), 15 U.S.C. § 1681m(f).As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. § 1681i, a copy of which is enclosed, I am requesting that the item(s) be removed to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. §1692(c). Thank you for your attention to this matter• You cannot add interest or fees except those allowed by the original contract or state law. • Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business BureauI have disputed this debt. Therefore, until it is validated, your informationconcerning this debt is assumed to be inaccurate. Accordingly, if you havealready reported this debt to any credit-reporting agency (CRA) or Credit Bureau(CB), then you must immediately inform them of my dispute with this debt.Reporting information that you know to be inaccurate or failing to reportinformation correctly violates the Fair Credit Reporting Act § 1681s-2. Should youpursue a judgment without validating this debt, I will inform the judge and requestthat the case be dismissed based on your failure to comply with the FDCPA.XXXX, XXXX XXXXSOC SEC # XXXX-XXXX-XXXX DOB XX/XX/XXXXXX/XX/XXXX, FL XX/XX/XXXX
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| 09/13/2015 |
Yes |
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Web |
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For several weeks, I tried calling TARGET 'S number listed on the credit card bill to talk to someone but kept getting disconnected. How is a consumer supposed to communicate with their credit card company if the number is not valid? I got through once, was transferred and spoke to a person named XXXX about not receiving my credit card that i signed up for, and that bills went to my OLD address. I told XXXX that I wanted help with some of the fees as i have not even received my credit card and i accrued a couple of months worth of late fees. XXXX told me her supervisor would call me within 24 hours but she never did. Meanwhile, while i was waiting to hear from Target 's management, I made a payment of {$40.00} ( the total bill was {$100.00} ) to avoid another month 's late fee but the company added another month 's worth of late fees, while I was waiting to hear from the supervisor. I kept trying to call the number on the credit card bill to talk to someone but could n't get through, again. So i decided to write a certified letter addressed to the CEO but never heard from anyone after a month! I found another number for Target after doing a google search, called that number, spoke to an XXXX XXXX, explained the situation, but no help whatsoever. I told XXXX, i want to speak to a manager. He said, " I made a case study for you and a manager will contact you in 24 hours, '' but AGAIN NOONE CONTACTED ME. It 's been around 4 months now, I still have n't received my credit card, accrued 3 month 's worth of late fees and charges, and no manager has contacted me when on XXXX occasions, i was promised that a supervisor would call me. What kind of customer service is this?! In summary my complaint is as follows:1. Lines of communication between Target and consumer is unacceptable. The XXXX XXXX number on their credit card bills DISCONNECT you when you press " XXXX '' to speak to a representative.
A. On XXXX occasions I was promised that a " supervisor '' would call me within 24 hours to discuss my predicament but never heard from a supervisor, empty promises and lies.
B. I sent a certified mail to the CEO but never heard from anyone at corporate office.
2. Never received my credit card in 5 months since i signed up to open the account.
A. After speaking to XXXX who said i should have the credit card renumbered ( in case it 's stolen ), she transferred me to a different department, but while waiting on hold, I was disconnected, again!
XXXX. A bill was {$100.00} so i made a {$40.00} payment to avoid other late charges/fees, but they still added another {$35.00} late fee, WHILE I WAS WAITING FOR A PHONE CALL FROM A MANAGER TO DISCUSS MY CASE.
All in all, I feel NEGLECTED by Target 's management team. I tried to resolve my {$90.00} worth of late charges/fees with the corporation by sending a CERTIFIED MAIL and waiting for a supervisor to call me back but noone from management has tried to contact me. This is unacceptable and I want people to know about their terrible business practices. And i want the {$90.00} worth of fees removed, along with some penalty for the company. I will never shop at Target again.
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| 08/16/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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Over the course of the past 2 months, I have unable to secure the refund of approximately {$640.00} in overpayment on a vehicle loan I 've had with TD Auto Finance. TD Auto Finance has not disputed the owed amount but has used numerous tactics to keep delaying the refund.
1 ) My vehicle ( XXXX GMC Sierra ) was traded in 3 months ago ( XX/XX/XXXX ) 2 ) At that XXXX TD Auto Finance was contacted about the loan payoff due to a trade-in for a XXXX Subaru at XXXX XXXX in XXXX XXXX IL. TD Auto Finance was presented with my home address, which was different from the temporary address I had at the time of purchase of the XXXX Sierra in XXXX XXXX.
3 ) One month later ( XX/XX/XXXX ) TD Auto Finance automatically deducted another monthly auto payment of approximately {$640.00} because they claimed my loan payoff had still not been processed ( Even though my trade-in had occurred a month later ). I was told that as soon as they processed my payoff, I would be sent any amount of overpayment due me.
4 ) By XX/XX/XXXX I still had not received my refund and upon calling was told that it takes a few weeks to process the check but that it was about to be sent out..
5 ) On XXXX XXXX I called TD Auto Finance again to say that I had n't received my check and when I asked where they had sent it to, was told that they sent it to my previous address ( they had not bothered to update my account information when informed in XXXX XXXX ). They said they would correct it immediately and send a check out to my correct address.
6 ) On XXXX XXXX, XXXX I called TD Auto Finance again and learned that NOTHING had been done since the XXXX XXXX call - none of the actions TD Auto Finance said they would do had been acted on. They said that their notes aid that this was forwarded to upper management for expediting but it appears no action was taken.I told them that this is unacceptable and the agent ( XXXX ) stated that she would have the check that was sent out to the wrong address cancelled and that a new check will be sent to my correct address. She also stated that this would take 15 days. I complained that this time frame ( given the previous circumstances ) was unacceptable but she said that there was noithing she had the power to do. She also said that they can only send the check by regular USP mail and that no electronic ACH or courier service was available. I told that I made all my payments on time via ACH debit and that they should be able to reimburse via the same method. She stated that they ca n't. She also told me that they have no ability to notify me when the check will be sent or to provide me any notice along the process.
I find this business policy TOTALLY UNACCEPTABLE and it flies in the face of any spirit of equity in the consumer finance sphere.
At best, I hope that the CFPB can something to move this process along ( this company obviously makes it a policy to take advantage of the consumer and public at large ). I also hope this serves as notice that TD Auto Finance, while it may or may not be conducting itself legally, it certainly is unethical in the way it deals with it 's customers.
XXXX XXXX.
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| 04/19/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXXfair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : XXXXproceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : TD BANK USA/TARGET ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 11/13/2020 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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Our family has had several checking and savings accounts with TD Bank for many years. Suddenly on XX/XX/XXXX, two electronic transfers through XXXX ( for {$1000.00} in and {$1000.00} out ) occurred in our joint checking account. We had never authorized XXXX usage on our accounts, and TD never contacted us to verify if these XXXX transfers were authorized. On XX/XX/XXXX our son noticed that there had been 5 unauthorized XXXX transfers out of his account for a total of {$4800.00}. He immediately notified TD Bank and filed a fraud claim. TD did not advise our son to freeze or put a hold on his account to prevent further fraud. On XX/XX/XXXX XXXX contacted TD to report that another fraudulent transfer for {$170.00} had occurred in the joint checking account on XX/XX/XXXX and to reiterate that he had NEVER authorized any XXXX transfers at any time and that our accounts were being defrauded. XXXX submitted a fraud claim for the fraudulent {$170.00} transfer. TD advised XXXX to freeze all accounts ( including our son 's ) and to set up a new account with a new username and password. XXXX understood that this account would be secure and TD would prevent further XXXX transfers, as TD had been informed by both XXXX and our son of the fraudulent XXXX activity, and TD said they were investigating the fraudulent transfers. On XXXX, XXXX, XXXX, and XXXX four new fraudulent XXXX transfers totaling {$3900.00} were made from the new " secure '' account set up by TD. On XX/XX/XXXX, XXXX called TD and reported 3 of these fraudulent XXXX transfers out of the new account. He filed another fraud claim, and expressed deep frustration that TD was not able to stop these transfers immediately ( they had been notified of the fraud since XX/XX/XXXX ) and protect our funds. TD advised him to close the compromised account and set up ANOTHER new account, which would be totally locked down and to which he would have no access via Online Banking. XXXX set up the new account as advised by TD. On XX/XX/XXXX we went to the XXXX store and had diagnostics run on our XXXX laptop computers and phones. Two Malware threats were found on XXXX XXXX computer- Adware.XXXX. XXXX removed the Malware from XXXX XXXX computer. Also on XX/XX/XXXX, our son was informed by TD that his fraud claim was denied, in their words " because his dad 's email had been used to authorize XXXX ''. This is untrue- XXXX was NEVER contacted by TD to verify a single one of the 10 fraudulent XXXX transactions that occurred in our accounts ( 5 of which occurred after XX/XX/XXXX when TD was first informed of the fraudulent activity ). The real problem seems to be that TD 's security systems around XXXX electronic transfers are totally INADEQUATE to protect their customers. We have filed a police report with the XXXX NH Police Department ( # XXXX ), which we can make available upon request. We can also provide copies of the XXXX Malware report and bank statements showing evidence of all fraudulent transfers, if requested. We will attach a timeline showing the dates and amounts of the fraudulent transfers as well as the various dates when we reported the fraud to TD.
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| 11/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Report provided to employer without your written authorization
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Consumer Financial Protection Bureau ] [ Consumer Response Team ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD BANK USA/TARGET CREDIT for Identity Theft and Multiple Violations of Consumer Protection Laws Dear Consumer Financial Protection Bureau , I am filing a formal complaint against TD BANK USA/TARGET CREDIT for severe violations of consumer protection laws and identity theft, causing significant financial distress and potential harm to my career prospects during a crucial phase of my life.
Accounts Allegedly Being Collected by : Creditor Information TD BANK USA/TARGET CREDIT XXXX XXXX XXXX XXXX XXXX XXXX Relevant Consumer Laws and Sections Violated : 15 U.S.C 1681 Section 602 A : Right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Consumer reporting agency can not furnish an account without written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section : Prohibiting the inclusion of adverse information beyond seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibiting furnishing inaccurate information to a consumer reporting agency. 15 U.S.C 1635 : Right of rescission not disclosed as mandated. 15 U.S.C 1602 ( g ) : Defining " creditor '' and recognizing credit granted by the original creditor. 15 USC 1605 : Finance charge violation using a social security number. 15 U.S. Code 1691 : Denial of credit in violation of anti-discrimination laws. 15 U.S. Code 1692 ( e ) ( 8 ), ( 9 ), and ( 10 ) : Violation of Fair Debt Collection Practices Act. 15 U.S. Code 1611 : Criminally liable for willful and knowing violations. 15 U.S. Code 1640 : Liable for actual damages, seeking double the entitled finance charge for each violation. 22 U.S. Code 7102 : Definitions, specifically abuse and threatened abuse of law or legal process. Additionally, non-compliance with XXXX XXXX credit reporting standards is evident.
I categorically deny opening or authorizing the reported account, flagging it as fraudulent. I hereby request written confirmation absolving me of responsibility for this inaccurate information and urgently insist on the immediate removal of the disputed data from my credit files and public records.
Enclosed are supporting documents for my dispute. I seek a thorough investigation into TD BANK USA/TARGET CREDIT 's actions, holding them accountable for their egregious violations of consumer protection laws and identity theft.
In conclusion, I declare my surety power as the beneficiary, emphasizing my inherent rights as a natural human being. I trust that you will promptly address this matter and provide updates on the investigation. Your assistance is crucial in resolving this critical issue.
Furthermore, I want to make it clear that I am prepared to take this matter to the full power of the court if necessary. I am aware that, under the Fair Credit Reporting Act, you have 30 days to respond to this complaint. I expect your timely response to ensure the protection of my rights as a consumer.
Sincerely, XXXX XXXX XXXX XXXX
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| 10/05/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/XXXX, my checking account was hit by fraudulent withdrawals. Even before the fraudulent transactions the bank sent me a text asking if it was me authorizing these transactions. I replied " NO ''. The funds were still allowed to be withdrawn from my account. A total of {$480.00} dollars at first. I called the fraud department immediately. I was levied because I keep dealing with these fraud and identity theft issues for years now. And, no one is willing to help you.
After, reporting the thief to TD BANK. They closed my debit card and assured me they would take care of the matter. The situation just got worse. Because literally a few days later my account was hit again totally emptying out the whole checking account on XX/XX/XXXX. Stealing my paycheck and XXXX payment. A total over {$2300.00} was stolen from a company I've never had an account with in my life. A loan company called XXXX.
TD BANK only returned {$630.00} of my money after telling me repeatedly that I should see the rest of my funds soon in my account that they blocked. I had to make a new account and I went into the branch and had a new debit card made. TD Bank then allowed the new account to be breached as well. These thieves cashed ( XXXX ) XXXX insurance checks that was electronically deposited. That TD flagged as fraudulent after cashing them and charging me twice {$15.00} for returned check fees. They sent copies of the checks. They literally have no real signature. A electronically printed signature. My hand writing is chicken scratch. So, obviously not me. They closed my new account and stopped doing business with me. Refusing to allow me access to my statements so I can make a police report with some solid evidence. TD Bank, XXXX, XXXX, and XXXX XXXX XXXX are telling customers they protect your accounts from " fraud ''. Totally not true. They do everything in their power to rob the consumer as well.
My employer uses a company called XXXX for pay. I've had to result to using them. And, they allowed this XXXX company to withdraw over {$1700.00} from my account. I'm in a battle with them to return my funds. I most likely will be evicted from my home because of being totally robbed while working myself to death to build a life for myself. And, someone is literally destroying my life with all this thief. I'm totally broke. I need immediate help. No one is doing anything about these banks. I must note that all my problems began with TD BANK. THEY WERE MY FIRST BANK ACCOUNT. ALL OF THIS BEGAN WITH THEM AND I SHOULDN'T HAVE RETURNED TO THEM FOR BANKING. PLEASE HELP! I'VE TRIED REPEATEDLY TO GET XXXX TO RETURN MY FUNDS. AS WELL AS TD BANK. I'M AFRAID I MAY NEVER BE ABLE TO BANK AGAIN.
Also, my paperwork is limited because the banks encourage paperless statements. Now, I know why. So, it's harder for you to have statements in hand. When they closed my accounts and blocked them. I was unable to access my statements. Therefore, limited evidence for you to challenge them. I have limited documentation. But, it doesn't make my ordeal less true. Beware of the banks. Some of the thieves are working inside. In my opinion.
|
| 04/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
1.0 SUMMARY TD Bank Mortage is blocking me from taking in my monthly payment.
I recently closed on a new mortgage loan with TD Bank. Last XXXX weeks, I have been trying to set up monthly recurring/automated payment withdrawal from my checking account at XXXX XXXX. The payment is due on the XXXX of every month. The first payment on this new loan is due XX/XX/XXXX, which is coming up. For last several weeks, TD Bank 's online site services and its mortage support staff are blocking me from taking in the payment. TD Bank 's system is failing to locate my account, their payment gateway is down and their personnel on phone are not resolving the matter. More is below and screen shots are attached.
2. 0 DETAILS & STEPS I HAVE ATTEMPTED WITH COMPNAY TD Bank Mortgage pointed me to their online mortgage payment service. Below is the chronology, with actions, and names of people I have spoken to : 2.1 CHRONOLOGY ( all current year 2022 ) : XXXX XXXX : Several self-service attempts made individually by me to make payment via TD Bank sites and features. I have all my correct credentialing and loan identification information XXXX XXXX : Called TD Bank Loan Services department - Spoke to XXXX. He provided his title as XXXX XXXX. Refused to give last name or rep id.
- Was asked by TD Bank on phone to and succcessfully created a login account on TD Bank online.
- XXXX emailed me a form to fill, sign and fax back to set up withdrawal ( see Form 1 attached ).
- The form asks me to basically sign like a blank check authorization. Does not specific dollar amount authrorized to withdraw. Does not specific what date to withdraw. Etc.
- Support was unproductive and did not resolve the matter.
XXXX XXXX : Asked to escalate and spoke : - Heard back from XXXX XXXX, XXXX XXXX. Refused to provide email address.
- XXXX sent me yet another form to fill and sign ( see attachment Form 2 ) - Stepped me through their web site, asked me enter loan, ssn, etc. We verified all the information correctness over phone. Site gave error that it could not find loan and payment gateway was broken ( see attachment ).
- There are thee account holders on the mortgage : me, my wife who is primary, and our son.
- XXXX asked me try using primary for my wife : that gave same error on TD Bank site.
XXXX XXXX - XXXX to XXXX XXXX XXXX XXXX 's manager called XXXX XXXX late Fri afternoon without notice and left a voice message for me.
- XXXX 's message of XXXX Fri basically informed me that I have XXXX hours runway to call him back, expect to find him late on Fri, and that he was headed to vacation all of subsequent week, week of XXXX XXXX. He left me no alternative contact during his absence.
- Knowing he's out, I called on XXXX XXXX and ended up phone taggine. I left messaging asking him today asking to make an appointment before calling me so we don't phone tag unproductively- which is after 3 weeks of harassment. I have not heard back from him at all, of his own initative, or to message I left his direct phone XXXX. He has not provided emil alternative ( Internet or secure TD login email ).
See attachments.
Thank you.
|
| 04/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Summary = TD Bank is refusing to close my checking account and is holding all of my funds hostage without letting me withdraw, transfer, or XXXX my funds out. As per their procedures a written notarized request was sent almost a month ago and the account is still open and the funds have been held hostage for three months now without letting me access or transfer them.
Detailed : I've been having issues with TD Bank since late 2022 as I wanted to transfer funds into my Roth IRA from my checking account. However, upon attempting to do this TD Bank blocked my ability to transfer money from bank account to any other external account and the online portal for the last three months has a persisting error message ( proofs attached ) which upon even endlessly calling TD Bank reps ( customer service, IT, call center manager, local branches ) remains unresolved as the reps keep transferring from one rep to another without actually helping the customer. Furthermore, my ability to XXXX money in and out of account is also locked and TD Bank is refusing to unlock if after repeated calls for months ( proof attached ). When I call the national customer service they tell me to call the local branch where account was opened and vice versa. They refuse to offer any legitimate help and keep re-routing calls. The local branch also tells me to call either national helpline, or tells me to come into the office in Pennsylvania which is difficult for me as I live in Texas. Majority of the times, no one at the local TD Bank branch even answers their phone during normal business hours and if by chance they do, they hang up mid call. I've even submitted a complain about them to TD Bank manager using national customer service but to no avail. The address of this branch is XXXX XXXX XXXX, XXXX, PA XXXX. The local branch rep once answered the phone and said I could close my account and they would send me a cashiers check for my funds in account if I got a notarized letter through XXXX and sent a written request. After making me jump through many hoops and even after I sent the written notarized letter on XX/XX/XXXX ( proof attached ) they still have not closed my account and are holding my funds hostage. I need my funds to pay rent and bills every month and now I am having to borrow from friends, family, and take on credit card debt because my money is being held hostage and I have no other way to meet my financial obligations. When I call national customer care, they tell me account with funds in it can not be closed however on TD Bank website itself it says written request is a legitimate way to close account ( proof attached ). I have also attached the most up to date balance from my checking account as I no longer trust TD Bank and want CFPB to also know the amount in case TD Bank causes me any further issues by sending me a wrong amount. I am just very frustrated and stressed after more than three months of back and forth without a resolution. Every TD customer care rep I speak with tells me something different but no one is helping me. This has cost me countless hours of time, stress, and financial issues.
|
| 05/04/2016 |
Yes |
|
|
|
Web |
Older American |
|
Target XXXX XXXX XXXX XXXX, XXXX. XXXX Attn. : Collections Correspondence Dear Sir or Madam : While visiting our daughter in XXXX in XXXX XXXX, my wife XXXX and I shopped once in a Target store and were delighted to be asked to open an account ( which we thought was a discount card ). While there are no Target stores here in XXXX, we do travel on business and felt having a Target card would be useful. We expected to receive a Target card in the mail but one never arrived, hence we did not activate it. Nor did we receive any invoices for the single small purchase we incurred until XXXX XXXX, XXXX. We were horrified to discover that our small purchase had ballooned into a {$130.00} bill with four months of late fees!
On XXXX XXXX, I contacted Target representative XXXX XXXX at XXXX. I explained that we had never received the Target credit card, and she confirmed that a card in XXXX 's name had never been activated. I also explained that the first card statement we had EVER received was for a closing date of XXXX XXXX, XXXX. I told her that I was more than willing to pay for the costs of goods we purchased but I explained that we had had no knowledge that the account was in arrears and requested that Target drop the exorbitant penalty fees. She said that she was more than willing to drop the accrued interest but she refused to eliminate the penalty fees.
I then requested that I contact a supervisor. At XXXX on XXXX XXXX, a supervisor named XXXX called me back. I again explained that we were more than willing to pay for what we purchased, but had no written knowledge of ANY indebtedness, and especially the the past due debt until XXXX XXXX, XXXX. XXXX refused to eliminate the penalty fees, and suggested I write to you.
We have searched our small rental condo repeatedly and have found no correspondence with Target since the initial purchase until the XXXX XXXX, XXXX letter with the XXXX XXXX, XXXX invoice. There is no Target credit card either. We can not explain how XXXX letters from you and the original cred card have gone missing, but can confirm that relatively frequently other mail we expected was never received at our mail stop.
The simple fact is that we are willing to pay the initial amount we charged, but the amount we initially charged has ballooned to four times the original amount in 5 months. We know this new charge is both grossly unfair and illegal under XXXX law as well. Hopefully your office can rectify this matter amicably, as we know that Target has a reputation for high customer satisfaction. If not rectified, my wife XXXX is a XXXX and will be taking this matter up with the XXXX State 's Attorney general 's office.
We sincerely hope that you will roll back the clock so that we may pay the original purchase price and move forward with a positive relationship with Target, but are prepared to contact the State 's Attorney General if you chose not to eliminate the late charges. We believe you have violate XXXX consumer protection provisions in your collections and are prepared to move on that front if this issue is not settled as we have suggested.
Sincerely,
|
| 01/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
On several occasions, when I go into the bank with simple questions such as what is my balance is my payment past due is my payment due what is the payment amount.
On numerous occasions I was unable to obtain any information or I'm given the wrong information.
On XX/XX/2022, I entered the bank branch on XXXX XXXX in XXXX XXXX Florida. I requested information about my mortgage, to a teller that was a XXXX male in his XXXX maybe XXXX lb. Being unable to give me any information, he requested assistance from XXXX who I believe is the head teller. This process, once again, goes on for an extended time. Then Ispeak to a customer service representative. End result is, I was told, by all 3, the payment was not due until next month, the payment due date is the first. The XXXX being the last day to pay without being late.
Note that I'm a senior citizens and at times I get confused, so I was uncertain. I thought I had not made the payment but I'm a limited income and they told me no payment was due.
I subsequently received a letter from TD Bank dated on the XXXX. The letter states that I'm past due and they may make derogatory comments on my credit report.
When I want to know is, are they required to be able to tell me information about my account. isn't that servicing part what I'm paying for?
This is a failure in service of the mortgage, are they in breech of the contract?
I've been in several branches, on several occasions, when they told me they can not tell me any information because this is an old mortgage from the bank they took over in the mortgage crisis.
Also when I, last year, applied for credit for a mortgage for XXXX Bank, also on XXXX XXXX in XXXX XXXX, the branch manager told me the reason that I was denied credit was because TD was reporting my mortgage as revolving credit to the credit bureau.
I originally had a home equity loan, that was converted or modified, I have no access to those funds and it is not a revolving credit and their DEROGATORY comments have caused me a loss.
I have requested that they change these derogatory comments to be a mortgage instead of a revolving credit with no success.
How's the bank today Friday XX/XX/XXXX New York on XXXX XXXX in XXXX at approximately XXXX noon. I spoke to the Head teller again XXXX she told me that everything she sees tells her that it was paid and I was not past due I was not overdue.
I then spoke to an assistant manager. I showed her the past due letter. She was confused and seemed unable to comprehend my problem or offer any assistance that would be productive. I told her if derogatory remarks where made by td on my credit file, that I may sue. She didn't seem concerned.
She offered a representative to confirm the payment was made, that it was not past due and I had already told her I just made a payment.
Doesn't part of my mortgage fees, pay for service, in which I can get details or information about the mortgage?
Aren't they required to be able to tell me details?
Isn't there reporting to credit bureau and refusing to change the remarks, that My mortgage is not revolving credit, illegal?
|
| 04/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/XXXX TD Card Services called me to ask me about 2 charges that had been made on my account that they suspected were fraudulent. The charges were made on XX/XX/XXXX ( XXXX XXXX {$47.00} ) and XX/XX/XXXX ( CK Dealer # XXXX {$45.00} ) in XXXX SC. I haven't been to XXXX SC in over 10 years and agreed that these were fraudulent charges. They canceled my card and issued me a new one. On XX/XX/XXXX I received a letter from TD stating that they denied my fraud claim and deemed that these charges were not fraud based on my spending patterns even though I had 5 in-person transactions in XXXX, SC that day, which is over 150 miles away from XXXX. I called TD on XX/XX/XXXX and requested that someone from the dispute department call me and that they reopen my case. I was told a request to reopen my case was submitted and that I would receive a letter in the mail. On XX/XX/XXXX I still hadn't heard anything, so I called again. I asked to speak directly with the fraud department and was denied. The rep told me she would put in a note for someone to call me and it could take 3-5 days if they chose to call me. On XX/XX/XXXX I still hadn't heard anything, so I called again. I asked to speak with a rep and was denied again. I was told that it hadn't been 5 business days, so I just needed to wait. On XX/XX/XXXX I still hadn't heard anything, so I called again. Same thing ... was told they put a note in the system for someone to call me. On XX/XX/XXXX I called again. I asked to speak to a supervisor. She couldn't help me. She put a note for management of the fraud department to call me since no one had reached out previously. On XX/XX/XXXX I still hadn't heard anything so I went into a local TD bank branch. I explained my situation to one of the bankers. She called TD card services on my behalf. They wanted to speak to me ... They said that they were reopening the case and I should receive a letter in the mail. On XX/XX/XXXX I hadn't received any letters or any phone calls so I went back to the local TD bank branch. I explained my situation to a new banker since the original banker I had spoken with was busy. The new banker called TD card services on my behalf. She got very frustrated with the TD card services rep. The first rep kept telling her that they had already given me my money back ( which they hadn't ). She asked him for a date that the money was returned and the rep couldn't provide one. We were on the phone at the branch for an hour. The banker was transferred several times. Finally the last rep told the banker that my case had been resolved and a letter had been sent out the day before ( XXXX ) to let me know that it had been resolved. Today is XX/XX/XXXX and I have yet to receive any letters or communication from TD card services of any kind. In addition to this, they are charging interest and late fees on the unpaid balance, which consists entirely of the 2 fraudulent transactions. I no longer use the card and would like to cancel it but was told I can't cancel it until it has a zero balance. If they would take care of the fraudulent charges, it would have a zero balance ...
|
| 07/30/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I purchased furniture on a 18 month deferred interest credit card/loan through Raymour & Flanigan furniture via TD Bank XXXX XX/XX/2022.
The credit application online link was given to me by Raymour & Flanigan. When I applied, I was not told this was through a third party, only that it was 18 months deferred payment and interest. Once I applied, my sales associate notified me I was approved and my furniture would be delivered in a few days.
On XX/XX/2022 I noticed my credit score had dramatically decreased from XXXX to XXXX. I got a free credit report and saw it was reported by TD Bank d/b/a Raymour & Flanigan Furniture that I was 3 months late on a payments.
I immediately called Raymour & Flanigan to resolve this and was told I had to contact TD bank and was give a customer service number to call. I called explained my issue, they looked up my account and I was immediately transferred to collections.
The collections person that I spoke with determined that my address was not on file with their company, they didn't have my phone number, or email address and because of this I was not sent 'welcome packet ' that had my account information and terms of the loan.
She also informed me I was 3 months late on payments and said because of their error of not having my contact information they would waive all late fees and defer the start date of my loan. This was supposed to take place within a 'week '.
When she went to send me the welcome packet with my account information, she was not able to 'save ' the information, because my account within their system was delinquent. She offered to transfer my call to account services and when she tried to do this, the call went to a recording that the company had 'increased call volumn ' and I was disconnected.
This same day, I called back, explained my situation to 4 additional people, all with the same outcome.
I tried the next day, and had the same outcome..explain, transfer, disconnect.
I tried a week later, same outcome, I'd explain, they'd say they can't do anything because I'm delinquent, they'd transfer me and the call would disconnect.
Keep in mind, from XX/XX/XXXX to XX/XX/XXXX, I was never contacted or communicated to from TD Bank, no email, mail, text - or any form of communication. The first outbound communication I received from them was on XX/XX/2022 and it was a copy of a late invoice.
I have tried since to call back and resolve this, but have been told that because my account is delinquent the credit department can not transfer me or help resolve my issue until I pay the last 3 statements.
It's not possible for me to be late on a payment that was never billed to me. The billing was never sent to me because the company did not have my contact information until XX/XX/2022. Once I called them proactively and gave them my information, then they sent me a copy of a bill.
I am willing to uphold my agreement, however, I want all late fees waived and my billing cycle to start on XX/XX/2022 and to include the same no interest promotion for 18 months from XX/XX/2022.
The account number is : XXXX XXXX XXXX XXXX
|
| 06/02/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On XXXX, I purchased through TD Bank XXXX XXXX XXXX a washer and dryer. I was told that the minimum monthly payments would not be enough to pay off the loan in 12 months for the differed interest ( 0 % APR for 12 months ) financing. The payment for the washer, dryer, extended warranty, and taxes and fees, was XXXX, and I was told no interest if paid in full, and if not, the interest amount would be charged from the original purchase date. I paid the amount a month later for the financing via using their online website, as they said via email their would be a bill that I would receive with my account numbers, interest amounts, etc. I was traveling, and paid the amount near XXXX PST, despite living in GA at the time I was traveling. I called TD a few days after, in order to get the late fee waived, and they said to just wait until the end of the year when I had finished making the payments toward the principal balance due and that I would essentially be given the offer for a late fee waiver at the end- this was after hours of hold times, so I just took their words at face value. Today, they marked my credit negatively for a late payment as they charged a late fee ( that I was told would be waived ), that applied toward the balance and triggered my interest to be charged as it was no longer considered deferred, despite my making 12 payments in the amount of XXXX XXXX totaling to XXXX, which was actually more than the actual retail cost after taxes of the washer and dryer. I called TD Bank, and the representative told me that their agents had not made adequate notations in their system of my prior calls, despite them having records of one call later on where we discussed that same late payment, where they called me and I answered because I could not get in touch with anyone. They have called me 4 times daily for the last 2 months in efforts to get their debt resolved, I say that with quotes because it was something they imposed, if they wanted me to pay the late fee - fine, but there should be no reason penalties are ADDED to the principal balance when the only reason I did not argue further was because the representative told me it could be waived when I was done paying it at the end of the year. The balance due was XXXX, and I paid XXXX, leaving the XXXX late fee as well as any interest incurred on it to the statement to be waived by customer service. Now, they are saying it is a valid charge because I did not pay the full amount, though the {$1500.00} was actually more than the amount I financed from TD Bank. The late payment should never have been levied as it was a systematic error and I hadnt even received proper correspondence to make the payment from TD in the mail. I understand that this was at the height of Covid-19, so, mail took a little while longer, but this should make TD want to keep their customers and be understanding of people who arent even having issues paying the bill, but just didnt properly receive their statement to know when their payment is due, the amount to pay, or any of the proper guidelines or requisitions to keep the deferred interest going.
|
| 03/30/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Summary : While my account was in good standing, Target asked me to pay off my balance in full in exchange for Target removing negative credit bureau reporting. After I paid off my balance in full, Target refused to contact the credit bureaus.
FACTS I was in the early stages of purchasing a home. In the process, I was informed that because I was reported 30-Days late for a credit card payment to Target for my Target RedCard, my credit score had fallen below the threshold needed to purchase a home.
My Lender recommended that I contact Target and request a courtesy removal of the 30-Day late reporting, since I had an excellent payment history with Target outside of this one incident. I followed his recommendation.
On XX/XX/2018, I called Target Card Services and informed the representative of the above situation and requested a courtesy deletion of the 30-Day late reporting. ( Note : At this time my account was in good standing and current, with a balance of {$100.00} ).
The representative placed me on hold to discuss the matter with a supervisor. The representative returned to the line and indicated that Target would only request the courtesy deletion if I paid my account balance off in full down to XXXX. He stated that once I made the payment, I would have to call back the next day when my account balance reflected a XXXX balance and Target would then initiate the deletion request. I asked once again that he confirm. Once he confirmed a second time, I asked him to enter this arrangement into the notes of my file, so that when I called back the following day, Target would understand the situation. After reading the notes back to me, he took my payment of {$100.00} via an over the phone check payment.
The following day, I received a notification that my check for {$100.00} had processed and, after confirming my Target Card balance was XXXX, I called Target asking they initiate the request to delete the late reporting.
I made a call to customer service and, despite acknowledging the notes in my account and my payment, Target informed that it would not issue the request to delete the 30 day reporting. The most the representative offered was to forward notes of my concerns to the department that handles credit bureau disputes and that they take about 30 days to respond. The representative indicated that he was directing that department to file a dispute on my behalf, indicating that the due date reporting glitched, which is not false.
Due to the time-sensitive nature of my home purchase, Ive placed several calls to get updates since XX/XX/XXXX, with no success. Therefore, I also placed a dispute directly with the Credit Bureau to try to resolve the issue.
I contacted Target, and was informed that Target was declining to offer any favorable gesture with respect to the credit bureau reporting. Specifically, Target refused to even attempt to contact the credit bureaus and have the negative reporting deleted.
Target also informed me that it received a notification from the credit bureau that I had disputed the negative reporting and Target rejected my dispute.
|
| 03/07/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a letter in the mail from XXXX XXXX XXXX XXXX dated XX/XX/2020, asserting that I owed {$640.00} to TD Bank, NA. I have never had an account or other customer relationship in any capacity with TD Bank.
I called XXXX to dispute the debt. When I called they asked me for the last four of my social. I did not wish to share that information so I explained the contents of the letter. XXXX told me that the debt collection notice had actually been recalled by TD Bank and TD Bank was no longer seeking to collect the debt through XXXX. I asked XXXX if they could confirm that the debt itself had been erased/purged because I had never had a relationship with TD Bank. They could not confirm and instructed that I call TD Bank 's fraud department.
On XX/XX/XXXX, I received an automated call from TD Bank 's recoveries department. I assumed this call was related to the debt, but because I did not have an account number/debit/credit card number ( because I do not have an account or any relationship with TD ), no one there could help me.
I then called TD Bank 's fraud department on XX/XX/XXXX. They were entirely unhelpful. They explained that the only way that they could help was if I provided the last four of my social. I asked for clarification, because I did not want to share my social, and because the debt collection letter from Radius included ( 1 ) my current address ; ( 2 ) my name ( but in reverse with last name first ) ; ( 3 ) a reference number with Radius ; ( 4 ) the last four digits of a supposed account # that I was unaware of ; and ( 5 ) a balance that was apparently due. In addition, TD Bank clearly had my cell phone number because I was receiving automated calls from them. However, none of this was enough to get more clarity on the situation from the TD rep. They insisted that I needed to provide the last four of my social. Otherwise, I would have to go to a local TD branch and bring an ID with me.
The next day I went to a local TD branch, with my ID and the XXXX Letter. Again, I was asked for the last four of my social. Again, I explained all of the circumstances and all of the information TD already had. The TD branch rep then explained that he could only help me if I provided the last four of my social, despite the contrary instructions from the TD Fraud Department rep from the day before. The TD branch rep then called TD 's Fraud Department. This time the department gave me a new number to call to get an " identify theft packet '' and all I needed to do was provide the reference number on the XXXX letter. I couldn't even call that number at the time as it was a weekend and that service was unavailable. The Fraud Department also could have given me this information the day before, so that I could have made that call first before wasting time at the branch, hearing the same story the Fraud Department gave.
None of the individuals I spoke to could provide me any assurances with respect to this debt and future unwarranted debt collection notices. Nor could they even confirm that filling out this " identity theft packet '' would help resolve the issue.
|
| 03/04/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
Can someone please investigate XXXX, Vermont?
XXXX XXXX has charged a fee of over {$3000.00} (! ) to hand deliver documents a few blocks across town.
They declined to act as Executor for my father 's Estate, though the representative, XXXX XXXX, had offered to settle it!
My parents had a Trust with XXXX XXXX for many years ( more than 20 years ). XXXX XXXX was to act as Executor, as well as Trustee, for my parent 's trust fund. They ( very slowly ) settled my mother 's XXXX XXXX Trust Fund Estate.
A year later when my Dad passed, XXXX XXXX contacted us to say that they were declining to handle the Estate. Their reason? They did n't think it would be lucrative for them. But they had n't let Dad know that while he was alive ( and after my mother passed ), to make appropriate changes. [ He was competent to make this sort of his decision, per his XXXX. ] After searching for some time, we found Trust Company of Vermont to take over as Executor and as Trustee. XXXX XXXX continued to charge fees, even thought they were only holding the money ( not managing it ) and had declined to do what my parents counted on them to do -- settle the Estate.
Eventually I realized that TD Wealth had failed to provide XXXX the pour-over will documents, so my father 's Estate was headed to Probate Court unnecessarily. I provided my photocopy, and that was when XXXX charged more than XXXX XXXX dollars for delivering the original copy of the pour-over will my parents had filed with XXXX.
XXXX XXXX delivered the document a few blocks. [ If this is NOT what they charged over {$3000.00} to deliver, I do not know what they did deliver. They certainly charged the fee, and initially XXXX XXXX, supervisor in the XXXX VT office told me " there was nothing that could be done to refund the money because the account was closed. '' ] I took my complaint higher in XXXX XXXX. It took months and several emails to obtain an answer, but I was able to have the fee of moire than {$3000.00} credited to my father 's account.
While these fees have been returned, there has been no apology, and XXXX acts like I am unreasonable to make these requests that fees be returned when no service is being provided. They were simply holding onto funds that they had told my parents they would help settle, as part of their Estate. They did offer to only charge half fees, since they were doing nothing with the money. They have continued to charge fees through the time the Trust was closed. While some fees have been partially reimbursed, it has taken a great deal of effort to do this.
The fees have been high, the service has been poor, questions have been shifted from person to person, and I do n't think the management communicated well with my parents. They were domineering and clingy with the money. To return the fees, they have given me a document requesting that I sign off my right to " make disparaging remarks '' about their " employees. '' I think someone should investigate this institution! Who else are they cheating? Do you have any suggestions for where I should take this issue?
Thank you for your help.
|
| 09/13/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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This is in reference to unauthorized purchases made at a XXXX in XXXX XXXX and a unknown location in XXXX XXXX ; the cases as seen in the attached rejection letters ; firstly, these cases were handled unprofessional from the start as the employee at the bank who opened the original cases should have deduced that they are related due to the fact that they took place half an hour apart and Im disputing both ; then issued one case number or at least make a notation that they ae related so as not waste time and allow a proper investigation. Anyway, a few day later I noticed I received a temporary credit for the lesser amount of {$100.00} but not the other for {$1800.00} ; I spoke to an agent about this and was told that the claim for the {$1800.00} was rejected for three reasons she saw listed ; which I wrote down and wrote a reply to, please see attached document titled reply to first rejection. I called the bank for a third time and ask why I was given a temporary credit for the {$100.00} and was told that my pin was entered wrong before the correct one was entered, to which I explained that the same should be considered for the transaction for {$1800.00} as it had to be the same person ( s ) I was then told that a representative from the bank would call me to discuss this further.
When I received the call from the bank ; I appears to be more of a personality test rather than for clarity or additional information as I told her that both cases are related and a previous told me that there was a failed pin attempt on the smaller amount and so it should be applied to the other ; she then checked and said she did not see that in her records and in that case they will have to reverse the temporary credit for the {$100.00} as well, its as if she didnt even know about the smaller amount and someone had deleted some information and she made a split second decision to take back that credit. I then further told her that I had replied to the reasons stated for the first rejection, she then told me that is not necessary as her main concern was how did they guessed my pin number? To which I replied I dont know. I further told her that I am going to get a police report for them to pull the camera footage of the purchases and she told me that at this time a police report may not help, so after submitting that said report case number my claim was again rejected for the third time. Please see police report cards both on one page in the attached files.
Furthermore, the last time I went to the bank one of the employee told me that perhaps one of the reasons they might be giving me such a hard time is that I have quite a number of claims before, but these are not related as they are purchases I made from XXXX XXXX related to goods I did not received or damage good, also some of the temporary credit issued to me from those disputes were reversed as they claimed they wrote and called me but I did not answer ; this however was due to the fact that I did not receive the letters and me being busy at work, so by the time they had reversed the credit it was too late to re-open the case.
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| 12/27/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan modification,collection,foreclosure
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Web |
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TD Bank is the holder of my second and third mortgages since XXXX. I have tried to deal with this bank in the past, several times, over the last past three years for a similar matter, and a year ago had reported this to the CFPB. Since my last complaint, I have had a major change in circumstance. When I last applied to this bank for a mortgage modification, we were struggling to pay these mortgages and had been for a few years. Since then we went back to paying for over a year and a half as we had no choice, the bank was taking serious steps towards foreclosure. However, this past XXXX, I lost my long time job, thrusting my family into a serious decline in income. I appealed to this bank again, only about two months ago, filling out a hardship application for both loans. It took a while but I received a letter from the bank for each loan, stating that according to them, we can afford to make these payments. No other explanation was given. That was all the reply I was to expect? No further investigation into our financials? I experienced frustration beyond belief. Who are they to tell us we can afford it? What are they even looking at or considering? Just one submitted proof of income? I fail to understand. We lost a XXXX steady part time income in our household and I am now off of unemployment as well after six months. We lost an good supplemental income that allowed us to pay our major monthly debts and obligations and had enough after to put food on our table, pay medical expenses and our other pressing obligations. Now we are struggling to pay simple things like our phone and gas bill and to put food on our table. If one of our cars should break down we would n't even be able to pay for a repair at this point. I find it hard to believe that a major bank like this has no program to lower interest rates on mortgages. We are paying very high interest rates on both of these loans making them absolutely unaffordable. We are at the point that if I dont ' find employment very soon we may have to go back to not making the payments by XXXX and ruin our credit which is fairly good at this point. It is also very unlikely that I will be able to obtain the type of employment which can support these loans as I due to health concerns can not work full time. We are besides ourselves with this bank. they are simply impossible to deal with and known to be a " very difficult bank '' in the debt relief industry. Futhermore, I have health issues and may be filing for XXXX next month. If awarded XXXX, I will have a very modest income at best for the rest of my life if I do n't return to work but not an income which can support payments such as this. It 's either pay the full payments or lose our house? There are no other options. Let me state, that the only modification that this bank offered me in the past and I had no choice but to accept, was to bring me current or give us a " recast '' which is the same thing. I am current right now only barely and not for long. A recast is not lowering interest rates as everyone knows and should never be considered a form of modification.
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| 04/15/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXX XXXXXXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : XXXX XXXX XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : TD BANK/TARGET CREDIT XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 07/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American |
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Dear Sir/ Madam I am a Td bank customers for many years, I had three mortgage loans XXXX & XXXX & XXXX and recently closed loan on XX/XX/2019 loan # XXXX. I started my Loan application with XXXX XXXX XXXX XXXX XXXX XXXX ( MLS XXXX ) back on XX/XX/2019, all documents were submitted before the Loan officer contacted me to the fax number provided by loan originator XXXX XXXX XXXX after a week a loan officer named XXXX -XXXX XXXX contacted me to ask for the documents I submitted by informing me nothing at her file and I have to resend all again. she stopped return my calls or email for healthy information for my Loan this caused me to call back XXXX XXXX to ask her to be a connector and deliver my massage and concerns, I was told that they work at two different buildings and she will try to email her. after two month of suffering with that loan officer I was told that she was terminated and my loan assigned to a new loan officer XXXX XXXX XXXX works under manager XXXX XXXX XXXX non of all names and numbers call back or email me back. XXXX XXXX called once to inform that she is the new loan officer and never call back. it is disrespect to their customers who I am one of them. the miscommunication caused that on XX/XX/2019 the previous closing date I discovered that they charged me cost for TWO POINTS {$7700.00} but i bought only ONE POINT TO REDUCE THE RATE TO % 4.125 RAISING UP CLOSING COST TO {$16000.00} ( therefore I have to stop closing and asking them to correct their errors. part of the errors was corrected which the price for two points, but they also repeated a new error which over charge under escrow ( the house I refinance it is under TD bank mortgage and it's mortgage including escrow too means TD bank pays for property tax and home owner insurance therefore there were no need to charge me again for the same property tax and home owner insurance which is paid and up to date under loan # XXXX ) I have to pay at the closing $ escrow {$3100.00} which is paid under the above loan number I refinanced! .not even that but the above loan balance was {$98000.00} at the new closing date XX/XX/2019 they charged me for {$98000.00} ( higher than the loan balance {$270.00} ).
I requested to pay off my line of credit loan balance amount {$170000.00} under line of credit loan number XXXX but the bank charged me {$170000.00} XXXX higher than the loan balance {$970.00} XXXX total over charge under both loans {$1200.00} plus the unauthorized escrow {$31000.00} = {$4400.00}.
On XX/XX/2019 I called all names listed to me whom works on the above closing for loan XXXX and no one answer different than XXXX XXXX XXXX who SAID CONTACT YOUR LOAN OFFICER.
ADDITIONAL the recent closed loan # XXXX was rated and I paid for and Title company closed for interest rate % 4.125 but after closing I discovered that the rate online % 4.13.
I do not know what I have to do more, I gave up and I lost money under false charges fees from TD bank please help me and advise me what I can do?
Only one of their worker Ms. XXXX XXXX XXXX was helping me within her limitation of authorization.
|
| 02/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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TD Bank Credit Card Services has not only failed to refund unauthorized charges on my credit card but has also refused to launch an investigation. I filed a dispute with TD Credit Card Services on XX/XX/XXXX for two charges ( {$520.00} on XX/XX/XXXX and {$800.00} on XX/XX/XXXX ) totaling $ {$1300.00}. I clearly explained the situation in full detail on XX/XX/XXXX to a representative at TD Credit Card Services that the vendor did not have my permission nor authorization to initiate those charges.
By XXXX, I completed paperwork sent by TD Credit Card Services and mailed the several pages of both disputes detailing the unauthorized charges back to them in the self-addressed envelope provided.
On XX/XX/XXXX I called TD Credit Card Services for an update and was advised the investigation was not able to begin due to not receiving the paperwork I previously sent them, and the dispute was having been closed. I instructed I hand wrote my response and immediately sent the paperwork back to them, but I did not keep a copy. The representative explain she could request on my behalf to reopen the case but ultimately the decision would rest with an investigator. I asked to speak with an investigator but was instructed they are NOT accessible to the public. I asked to speak to a supervisor but was then instructed a supervisor was not available. By this time, solely at the mercy of the representative, I'm almost an hour into the call with the chance of speaking to someone with authority diminishing by the second.
I spoke to a combination of representatives and supervisors from TD Credit Card Services on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX regarding reopening my dispute and again being told the same thing, its up to the investigators and I would need to call back for an update. I never received any confirmation the dispute would reopen and again, I wasnt able to speak with an investigator directly in any capacity ( a call back, transfer, email, etc. ) no contact with at all.
On, XX/XX/XXXX I contacted TD Credit Card Services again for an update and the representative advised the investigator would NOT reopen the case and they considered the matter closed.
It is clear to me that TD Credit Card Services never intended to remove charges I incurred on XX/XX/XXXX or XX/XX/XXXX and didn't even want to bother with an investigation. Their antiquated procedures help them to blame the postal service ( or you ) by saying they never received the documents.
By far, this have been a very frustrating and disappointing experience that I've ever had with any credit card company. I've been in business for many years, using my credit cards strategically to maximize their benefits to reinvest into the business and the cornerstone to that is the ability to offer protection and purchasing power.
I believe experience is the best teacher, and through this experience, TD Bank Credit Card Services has taught me they are not the company that protects their customers but instead treats them like cattle. Other potential customer let my experience serve as a warning.
|
| 06/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Older American |
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1- I went into my local branch of TD Bank at XXXX XXXX XXXX XXXX XXXX Ma XXXX and asked if there was a loan program that I could borrow {$500.00} to help build my credit. The bank manager, XXXX XXXX, took an application-when I got outside I saw the amount was for $ XXXX-I went back inside and questioned that and was told - '' oh don't worry it was for {$500.00}. ( XX/XX/XXXX ) I do know that the Subscriber Code number of the loan is XXXX and the TNAL CPM number is XXXX ( whatever that means ) 2. I went back the next day and asked for a copy of the loan application from XXXX and was told once the application is sent over the internet she could not get it.
3. I called customer service XXXX XXXX XXXX on XX/XX/XXXX and asked them if that was true and they did not know but told me the minimum for a loan was {$5000.00}! I was very upset because if I had know this ( and the bank Manager should have known never to take an application in the minimum to ask for was {$5000.00} ) I would have never applied! ) Now of course this was denied as I was asking for {$500.00} - plus she requested {$1200.00} -- -which she won't show me! Customer service sent me a form -- Consumer Credit Report Report Form as I wanted to dispute the fact that a hard copy of my credit report should have never been requested as it lowered my credit score by 8 valuable points as the loan should have never been taken as I was given totally incorrect information.
4. I sent the report out to TD Bank XXXX XXXX XXXX XXXX ME XXXX ( I have a copy ) on XX/XX/XXXX.
5. I hadn't heard from them by mid XX/XX/XXXX and for some reason I received a random email from TD Bank asking me how I like TD Bank ... so I explained 1-4 above!
6. Within a few weeks, I received a phone call from a Miss XXXX XXXX, who never gave me her professional title, but told me she was in charge of many banks in my area and would get to the bottom of this. Her phone # XXXX email XXXX and the only address I have is c/o TD Bank c/o XXXX XXXX, XXXX MA XXXX XXXX. On or about XX/XX/XXXX Ms. XXXX called me and stated on of her workers had sent a letter to XXXX - stating that there was a misunderstanding at TD Bank and the loan applications should not have been taken and could they fix my credit report and remove their hard inquiry.
8. On XX/XX/XXXX, I called XXXX XXXX ( XXXX XXXX XXXX XXXX TX XXXX ) and asked if they received the letter from TD Bank or is it at least pending? The rep checked and informed me they have not received any letter in the past 60 days The rep informed me the best way to do anything was for me to ask TD Bank for a copy of that letter and for me to dispute thru XXXX and attach that letter as proof.
9. On XX/XX/XXXX I called Ms. XXXX and told her the above ... she informed me that under Federal Regulations she is not allowed to give me that letter! I do not understand why? Can you please try to help me? This has been going on for 6 months and I really need to get those 8 points back on my credit report. TD bank was wrong in taking that application and I was given incorrect information. Thank you in advance
|
| 05/05/2021 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
|
|
Web |
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On XX/XX/2021 at approximately XXXX XXXX I attempted to open my TD bank account through online banking to find that I was unable to login and that an outgoing XXXX transaction had failed.
I called XXXX to figure out what the issue was and I was informed that my account was currently frozen and in the process of being closed. I had received no prior warning of this ; no email, physical mail or any notice from TD representatives during the multiple times in XXXX that I had called to perform actions such as lifting holds placed on XXXX transactions. On those multiple calls, the representatives had access to my account information and should have informed me if there was any information related to account freeze or closure. I also did not even receive an email notifying me that my account was frozen ; if I did not see that an outgoing XXXX transaction failed and did not call TD after not being able to login to online banking, I would have no way of knowing that my account was frozen and in danger of being closed.
The representative also notified me that the issue had arisen as a result of my inability to submit the XXXX form that I had received in the mail in early XXXX. I should have submitted the form but Covid-19 is very bad in my area and I did not want to risk going to anywhere that was not absolutely necessary, such as going to the post office to mail a letter. After all, the only consequence of not filling the XXXX form communicated me was written in the letter I received in early XXXX as " We will continue to apply XXXX tax withholding at a rate of 24 % to all interest credited on your account ( XXXX ) until we receive the above information ''. It was an honest mistake on my part and I am fine with the results that come with the 24 % withholding rate that the bank communicated to me, but them freezing the account and informing me that it is in danger of being closed was never disclosed or communicated so that is bad business practice and lack of transparency on their part. Moreover, the XXXX form was not ultimately the reason my account was closed. I contacted the cross border line on XX/XX/2021 and spoke with a representative who informed me that the account would be closed due to fraud detection. I had not received any prior communication of this and I was under the impression that this was an issue with the XXXX form, not any sort of fraud detection. I was also not given any opportunity to defend myself from these claims of fraud, instead I was asked to simply call or visit my local branch. Upon calling my local branch at XXXX, as I was out of the country and unable to visit the branch, I was met with a message that instructed me that no representatives were available and to not leave a message as the voicemail service is not initialized. However, immediately following the message, an answering machine asks for a message to be left. Due to this lack of hold system and failure to take messages, I was forced to continuously call for approximately an hour until I finally got through to an agent who informed me that my account would be closed.
|
| 07/10/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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|
Web |
Servicemember |
|
I made a payment to TD Bank on XX/XX/2020 over the phone for my Mor Furniture account. I used my XXXX XXXX account information that I have been using for 7 years without any problems. A couple of weeks later I get a letter saying my payment was returned so I call to find out why. Over the phone on XX/XX/2020 I was told my account information was wrong or my bank may have refused the payment which made no since to me because it has been the same for 7 years. They told me to call XXXX XXXX to find out why. That day I paid the remaining balance off using my XXXX XXXX account because I didnt want to be past due again and I had the money to pay it off. On XX/XX/2020 I called back because my credit report was saying my account was delinquent and it dropped my credit to XXXX when it was just XXXX I asked them to fix this because I gave them the correct information on XX/XX/2020 I asked them to look into it also because I talked to my bank XXXX XXXX to make sure I gave them the correct information and that they didnt refuse or reject any payments on or around that date, XXXX XXXX said they hadnt. TD Bank said they looked into it and I must have given them the wrong information or something because they did everything correct and payment was returned due incorrect account information. I asked them to verify what information I gave them and checked my bank account with XXXX XXXX, the account information matched so I asked them to continue to look into it and I would do the same. On XX/XX/2020 I asked them for all payment information including a trace or confirmation number they got from using their ACH payment system that XXXX XXXX told me and XXXX representatives told me to ask for because if I had that information, that TD Bank should have, then XXXX XXXX could check the ACH system to see why the payment didnt go through. TD Bank told me they dont have any kind of trace or confirmation number for that payment excerpt an internal company one, so I asked for that they told me they couldnt find it. They also told me they dont have any papers they can send me to make sure the representative on the phone didnt make a mistake. I offered to give them my band statement and a letter from XXXX XXXX proving the information I gave was correct they said theres nothing they can do and it wouldnt change anything. I also asked them to pull the call from that day to make sure the representative or I didnt make a mistake or to check their system to see if something was wrong with it that day or something wrong with the way the information was put in but their telling me they cant even access that information they just have a return notice saying my account information is wrong. But my bank XXXX XXXX is telling me its not and its probably something they did on their end and I would really like to get to the bottom of this so I can fix my credit and make sure it never happens again. I have never had a late payment or delinquent account and would like it removed from my credit report immediately especially since they cant even give me proof they submitted my payment correctly.
|
| 12/07/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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XX/XX/XXXX - {$350.00} deposit sent via XXXX ( TD Bank to XXXX XXXX to XXXX ) to XXXX XXXX in exchange for XXXX puppy to be sent from Texas to New York.
XX/XX/XXXX - {$500.00} balance sent via XXXX ( TD Bank to XXXX XXXX to XXXX ) to XXXX XXXX XX/XX/XXXX - Received email from XXXX asking to send {$1000.00} cash in order to send the puppy in the correct size crate because the breeder 's was too large. This would be a return rental feeI that would be returned upon the receipt of the puppy and the return of the crate. I did not feel comfortable as not only was this not in my contract, but a legitimate breeder should know what size crate they need and on top of that the email was completely grammatically incorrect and used the same verbiage as the breeder. Suspecting a scam, I advised the breeder to take care of it as it is his business and this was not in my contract. He said he did not have the money which was another red flag, as an adult and a business owner you should have {$1000.00} cash or furthermore, why does it need to specifically be in cash? I immediately asked for my money back. The breeder pleaded with me not to cancel and I started getting calls from XXXX who were clearly no such company as they barely spoke english and had no business etiquette. They did not even understand when I asked to speak to a manager. I even called the XXXX XXXX XXXX XXXX International Airport asking if there really was a dog sitting in a crate and there was not. I found the real XXXX in XXXX and forwarded them the email asking if it had any affiliation which it did not and they agreed it sounded like a pet scam. After much back and forth, XXXX was shut down and I knew I had been scammed.
XX/XX/XXXX I went to TD Bank asking to fill out a fraud complaint. They denied me and said there was nothing they could do. I knew that did not make sense as if the money had just disappeared or if it was a credit card they would have to do something.
XX/XX/XXXX Reported an Internet Crime Complaint & also reported it to the XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Filled out a police report with above information XX/XX/XXXX I went to a different TD Bank branch and they were very upset that the other branch did absolutely nothing to assist me. They helped me properly fill out a claim and advised it could take months and to check in after XXXX if I didn't hear from them first with further questioning. The report did not let you include much info, so they advised that when I received a call I could add information such as the police report that is vital to this whole claim.
XX/XX/XXXX I called TD to check on my claim and add all the important information such as the police report, Internet Crime Complaint, and XXXX XXXX XXXX XXXX XXXX XXXX complaint. They said the case was already denied and closed on the XXXX. They claim a letter was sent but I have received XXXX communication from them. They advised I was misinformed in the branch that this could take months and I would be contacted, they said they've never heard of that and all cases are resolved within 7-10 business days.
|
| 09/29/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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In response to my third complaint # XXXX, Nordstrom Visa said that they had concluded their investigation.
However, after consulting with a legal website, said investigation seems to be in violation of the Fair Credit Reporting Act since Nordstrom Visa did not conduct a reasonable investigation and was either careless and/or deceptive in its process.
The Nordstrom Visa Dispute Department, as any other dispute department on any major credit card company, is supposed to protect the consumer with a promise of having " the right not to pay the remaining amount due on the purchase '' if you are dissatisfied.
During the months going back and forth with the Nordstrom Visa Dispute Department, the emphasis on behalf of the Nordstrom Visa Dispute Department seemed to be on making sure that the merchant, Caregivers, received ample opportunities to respond to the dispute and not on enforcing the terms of the credit card agreement that both Nordstrom Visa and I entered when I accepted to activate their credit card.
In fact, when I first issued the dispute with Nordstrom Visa, the Nordstrom Visa Dispute Department notified me via mail that they had sent me a letter with the merchant 's response.
However, I found out later from a Nordstrom Visa Supervisor that said letter with the merchants response did not exist simply because Caregivers chose not to respond to the dispute in the allotted time as per their own credit card agreement.
Moreover, with other major credit cards such as XXXX XXXX, for example, the simple fact that the merchant chooses not to respond to the dispute on the given allotted time means that the dispute department automatically sides with the consumer.
But obviously, the fact that I keep addressing this dispute and how badly it has been handled by the Nordstrom Visa Dispute Department proves that the Nordstrom Visa Dispute Department does not fulfill what it is stated in its own credit card agreement or its commitment to the consumer in regards to consumer rights.
Again, if a consumer is dissatisfied with a credit card purchase, Nordstrom Visas credit card agreement gives that consumer a method to dispute said transaction.
And if the merchant chooses not to respond to the dispute on time, Nordstrom Visa then would have to side with the consumer.
Nowhere does the credit card agreement stipulate that Nordstrom Visa will give the merchant ample opportunity to finally get around to responding to the dispute to simply then side with the merchant without even reading the dozens of pages sent as proof of the dispute by the consumer.
Finally, the balance of the disputed charges was supposed to be {$8100.00} and not what it shows on the Nordstrom Visa Dispute Departments response.
Again, all I ask from the Nordstrom Visa Dispute Department is to abide by its own credit card agreement and side with the consumer, who has every right to be dissatisfied with a merchant, whose dispute should have been solved the moment the merchant chose not to respond in a timely fashion.
Otherwise, why give the consumer the option to dispute?
|
| 10/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
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Web |
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In XX/XX/2020, I contacted Target XXXX XXXX to make a payment. I set up what I thought was a automatic payments on my target card, because due to COVID-19 it was difficult to go into the store to make payments.
In XXXX, I went to use my Target card, but the card was declined, which I thought was strange since I rarely used the card. I contacted Target XXXX XXXX, the employee advised me that my card was declined due to late payments. I explained to her that in XXXX I set up automatic payment, so there had to be a mistake. The employee I spoke to said the reoccurring payment was only for one payment. I advised her that when I set the automatic payment, that this was not explained to me, and made no sense. I advised her this appeared to be deceitful actions by the card service, because the wording describes automatic payments, and I was not told but the first employee that the payment was a one time payment that would be automatically taken out.
The employee I spoke to said that shouldve been explained to me and that she would remove any late fees XXXX XXXX, XXXX, and XXXX ) or reports to the credit bureau, due to the one time payment plan not being explained to me correctly. I then paid my XXXX bill with the employee, to avoid any further problems.
On XX/XX/2020, I was notified by my financial expert, that there was a 30 day late reported to credit bureaus for XXXX. I checked my life lock account, and it showed no late charges for XXXX or XXXX, but it appeared the employee did not remove the late fee for XXXX.
I immediately contacted Target Card Services, because the employee I spoke to in XXXX advised she was going to remove all late fees. I spoke with the employee/supervisor XXXX, and she said she could not remove the reported 30 day late report, even if it was there fault. I explained to her that I was told months ago it would be removed from my account, and she said there was nothing she could do on her end. I advised her the reason the payments were not made, because I was under the assumption they were being withdrawn automatically, which she said she understood, but she again said she could do nothing. I asked to speak with a manager and she advised me that they were out to lunch.
This is my second attempt with submitting a claim against Target Card Services, I believe they are being unfair, and they should take some responsibilities, especially since the payment method was not explained to me correctly and second the employee did remove two of three 30 day late fees, which at the time I made my payment in XXXX, it was not 30 days past.
I would like for Target to do what is right and remove the 3rd late fee and send me a letter stating they would. This incident is potentially costing my thousands of dollars, and is catastrophic to my credit score, which I have worked hard to improve, especially during these financially tough times.
I would hope CFPB could do a three-way phone call with myself and Target Card Services, so that I can explain to them this issue and what financial burden it is causing me.
Thank you for your time.
|
| 12/16/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Web |
|
|
On XX/XX/2016 at XXXX I was at TD Bank 's ATM located on XXXX in XXXX XXXX NH. At this time I was making a deposit as this machine allows for this type of transaction. While making this deposit, the machine took some of the cash deposit and then apparently jammed. Before jamming the machine took in approximately {$1100.00} dollars of my total deposit. I called XXXX immediately and was advised that the lobby was closing and it would be best to come in the following morning. The machine did not give me my XXXX XXXX back and did not produce a receipt either. The next morning XX/XX/XXXX I went in and deposited the remaining {$360.00} and sat and reviewed the event with XXXX to get the formal complaint in and was assured the process would be handled quickly.
After following up with XXXX XXXX I was advised that the process takes XXXX business days and we would hear back after that. If need be there would be a review of the cameras of this ATM to validate my claim. The 10 days elapsed and there was still no resolution and no credit in my account outside of a {$0.00} deposit on my account from the evening of the transaction. After Speaking with XXXX XXXX I was advised that there was in fact an overage of funds in the ATM but due to it not matching my specific recalled amount my claim was going to be denied. On or about XXXX XXXX, 2016 I received formal notice that my claim was in fact denied. I reached out to XXXX XXXX on XX/XX/XXXX and was advised by her that the claim was denied due to a lack of a specific amount in the report. I am unsure of how this happen as when the claim was discussed on XX/XX/XXXX we specifically stated it was {$1100.00} that the machine consumed. At this time I was advised by XXXX that she would resubmit a claim with the specific amount and see what happens. When I asked about the camera 's I was told the last who reviews them is on vacation and we could not view them until she was back in the office. On XX/XX/XXXX I followed up with XXXX XXXX to get a status update and was told they were still " looking into this. '' I have still not received any credit to my account for the consumed dollars by the ATM. On XX/XX/XXXX I followed up in person at the XXXX with no resolution still. Just a reassurance that they are " looking into it still. '' I was under the impression that TD submitted another request based on the specific amount but received an email on XX/XX/XXXX stating they needed the specific amount. Again this was provided at this time. XX/XX/XXXX still no contact from TD proactively. I followed up again and have received no response from TD with any resolution to this claim. The XXXX has been CC 'd on all emails and I have received no feedback from her on this matter.
On XX/XX/XXXX during a branch visit we requested info on the claim and were told that we were not through another XXXX day waiting period and the only thing we could do is wait. Still not credit to my account for the funds. At this time we advised they have a likely XXXX violation and the we would be filing a CFPB claim and we were asked what is the CFPB.
|
| 05/18/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
TD Banks Deceptive and perhaps Fraudulent practice Background : During summer 2020, I received an unsolicited promotional mailer from TD Bank for opening a savings account that will earn a promotion bonus of {$200.00} ; if the savings account is paired with a checking account, TD will pay an additional promotion bonus, $ XXXX/ {$350.00}. The mailer had my property address, but it was addressed to someone who neither belongs to my household nor has ever lived in this residence.
I used the weblink contained on the mailer and followed the instructions thereon to open online two savings accounts, one of which was paired with a checking account with a direct deposit advice. On XX/XX/2020, my spouse and I physically went to the local TD bank, funded the accounts, and was CONFIRMED by the teller and her supervisor that our accounts qualify for the promotion bonus as on the mailer that we brought along. We were assured that upon meeting the required conditions, we will receive the promotion bonuses on BOTH accounts, one held by me and the other by my spouse. My spouse held the savings and checking combo accounts.
Dispute : Recently, while trying to get an update on the promotion bonus, I find that TD bank mark our accounts as ineligible for the promotion bonus- the reason : the account holders do not match the name on the mailer XXXX
I find TD Banks reasoning for its refusal to pay the bonus is flawed at best and misleading and deceptive at worst.
First, TD seemingly argues that any bonus-eligible account MUST uniquely match with the name and address on the mailer and the mailer promotion is NOT an online promotion. I do not see the distinction between mailer promotion and online promotion when the link on the mailer specifically instructs to open the account online. But more importantly, if TDs intention is to match the name and address on the mailer with those of the new account holders, its TDs responsibility to ensure that i.e., AUTOMATICALLY populate the name and address fields on the webpage or the bank provides a unique reference code on each mailer to be keyed in while opening a new account. The fact I was able to open multiple accounts online using the same link clearly negates TDs unique match claim.
Second, TD had the opportunity to match the name and address on the mailer when on XX/XX/2020, right after I opened the accounts online, my wife and I physically went to a local TD branch to fund the accounts i.e., make the initial deposits. Not only did the bank gladly (! ) accepted the deposits but CONFIRMED that both our accounts are eligible for the promotions. Did the bank staff not know that the name and address on the mailer MUST match those on the accounts and there can be only ONE account per mailer?
My opportunity cost of diverting funds to TD bank is not trivial and I would not let TD Bank get away with deceptive banking practice causing financial harms to account holders. In fact, I would like OCC and CFPB to investigate TDs account promotion practice and determine how many account holders have been duped by false promotions.
|
| 01/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Out mortgage company is TD Bank since we bought our house in XXXX. My husband and decided to refinance and chose to do so with XXXX XXXX. We closed with XXXX XXXX on XX/XX/XXXX. After the closing, I called XXXX XXXX and obtained the Federal Reserve Confirmation Number received by XXXX XXXX after they paid the payoff amount owed to TD Bank. This payoff amount was given by TD Bank to XXXX XXXX. On XX/XX/XXXX, the mortgage balance was still showing on my online banking at TD Bank with a due date of XX/XX/XXXX and no later date than XX/XX/XXXX. Therefore, I called TD to question what was going on. After speaking with several representatives, I was told first that they never received the payoff from XXXX XXXX. However, the customer service representative was later able to find that the payment was received on XX/XX/XXXX using the confirmation number I obtained from XXXX XXXX. Although, she stated that the payment was not credited to the account yet. She also stated that the payoff amount given by TD to XXXX XXXX was incorrect amount ; it was short more than {$9000.00}. I was not very happy to hear that of course, however, my main concern was that I wanted TD Bank to work on fixing the error they made by contacting XXXX XXXX and that my husband and I should not be penalized by any service fees. In addition, no late payments should be reported on that {$9000.00} to the credit bureaus after the XX/XX/XXXX until XXXX XXXX takes care of the difference. Because the representative I was speaking could not give me a defiant response, I asked to speak to her supervisor who still could not take assure me that there will be no late fees or penalty charged on my existing mortgage with TD Bank. I then spoke with another supervisor stated that the TD bank employee made a mistake by entering incorrect payoff date XX/XX/XXXX instead of XXXX which resulted in deducting one year of interest from the payoff amount given to XXXX XXXX. However, she still could not grantee that no charges will be reported to the credit bureau of the payment was not made by XX/XX/XXXX even though she confirmed their employee 's error. All what she cared about was making sure that it was clear to me that I am responsible to pay them the difference! I gave the TD bank supervisor the phone number of the loan office who was helping us in the refinance process at XXXX XXXX. After being on the phone with TD for over 2 hours, I called XXXX XXXX asking for help on fixing the error made by TD bank, and she stated that they were willing to work with TD bank. Few minutes later, the TD bank supervisor called me and claimed that she can not get in touch with the loan office at XXXX XXXX because the phone number I gave her was incorrect. I asked her to repeat the number I gave her and confronted her that I spoke with XXXX XXXX Loan Office on that number few minutes ago. Later in the day, TD Bank supervisor called me and claimed that she will work with XXXX XXXX and they stopped the clock on my loan, however, the full mortgage amount still shows on my online banking with a due date of XX/XX/XXXX.
|
| 05/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I had 5 accounts, one credit card, two checking accounts and two savings accounts closed on me by TD Bank without explanation. The account closure letter was dated XX/XX/2020.
It is interesting to note that the letter from TD mentioned only one of my credit cards with them ( a " XXXX XXXX '' card ) completely, ignoring my other three personal accounts with TD.
I called the phone number on the account closure letter ; it went straight to an answering machine. The message said to leave a phone number, which I did. A gentleman called me back and told me that they had the right to close my account and didn't owe me an explanation. I then pointed out to him that the closure letter itself said that if " any of the accounts referenced above are a credit card account, please note that the Federal Equal Credit Opportunity Act, you have a right to request, within 60 days of receipt of this letter, additional information about the reason for your account closure ''. He then told me I would have to send that request in writing.
Within a day or so, I could no longer access or view my checking accounts, online. I went down to the branch in XXXX, NJ, where I normally do my banking and spoke to the manager, XXXX. He was most unhelpful and basically shrugged his shoulders and told me it was out of his hands and he could do nothing about it. I was puzzled as to why TD wanted to drop five accounts with close to XXXX XXXX dollars in assets. I then spent another hour or so in the bank getting checks made out to me for the balances in my accounts, so that I could take those monies and deposit the elsewhere in the day or two before the expected shutdowns in NJ, rather than wait for the money to arrive by mail in a week or two.
I subsequently sent my letter to TD Bank on XX/XX/XXXX, requesting the reason ( s ) for the account closure.
I never received anything back from TD, in writing.
On XX/XX/XXXX, I received a phone message from a XXXX XXXX, who is a TD Branch Manager in XXXX ( the branch where I originally opened one savings and one checking account ). He left an email address to contact him back. i subsequently emailed him on XX/XX/XXXX, asking him to contact me. After several more emails, he finally called me on XX/XX/XXXX. During that phone conversation, he basically told me he had no idea why the account was closed but said " they probably did not like some of the transactions you made ''. He then ASKED ME if I knew of any reason that his bank would want to close my accounts. I told him that I did not. He then told me that it was strange, and he would look into it and get back to me. He never did.
I also wish to point out that the initial account closure letter was dated XX/XX/2020 and stated, " We're closing your TD Bank account ( s ) on XX/XX/2020 ''. Thinking that it was safe to use my accounts till the XXXX, I made two credit card payments on my wife 's credit card bills. one was returned on XX/XX/XXXX and one was returned on XX/XX/XXXX. As a result of these returned payments, my wife 's credit score dropped 45 points, from XXXX to XXXX!
|
| 05/22/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I deposited 2 cashier checks and a check from an attorneys escrow account into my business account. It was from the sale of a property that I sold. The total was approximately {>= $1,000,000}. Of that total {$150000.00} was the attorney escrow and the balance was the two cashier checks.
Tuesday XX/XX/XXXX at XXXX I made the deposit to the teller at the branch.
Wednesday XX/XX/XXXX my account showed all funds were available and I had requested the assistant manager to wire the funds to another bank, my partners account.
After completing all the documents and assuming The wire took place, my partners bank never received the funds.
The assistant manager said the checks had to be verified. So I called back on Thursday and they still hadnt verified the checks and couldnt tell me any more about when that will be done. I called throughout the day and still no details except that the checks hadnt been verified. I asked for the manager and was told shes at another location. I asked for the regional managers name and number. I tried calling multiple times because it would just go to voicemail. Still no one has returned my calls.
Friday XX/XX/XXXX. I went to the branch and asked them to wire an amount that didnt include the one Non bank check for {$150000.00}. The assistant manager said he could only wire Aprox {>= $1,000,000}. I agreed. Then after waiting 30 minutes he informed Me he actually could not wire any amount, because the funds were now not available and some one else would be calling me in a fee minutes to explain why.
I received a call from the branch manager, XXXX XXXX, and she said she flagged my account for fraud so funds would not be available until next Thursday.
She explained my personal account Was overdrawn ( which if it was it was like {$60.00} ). Also, She Said another business account of mine was closed and had a balance, which i was not aware there was a balance. So based on this she decided to flag my deposited checks as fraud and I would need To contact the fraud department. So from Tuesday to Friday afternoon my funds were available, and when I finally decided to move only the {>= $1,000,000} the manager decides its now worthy of flagging it for fraud. Ive been banking with TD Bank since 2013 and never have I had any problems with transferring funds. Except about 6 weeks ago they held up a {$20000.00} wire into my account that I was trying to wire to my attorney to purchase another property. The same manager held the funds for 10 days.
I believe that there was no cause to freeze my account and was only done to either keep the money with the branch or because I was complaining they wouldnt verify my deposits. Why was the branch Assistant manager willing To wire {>= $1,000,000} and 30 minutes later I find out the manager flagged it for fraud? All I got was an 800 number to call from the manager, which nobody answers after waiting on hold for 45 minutes!
The assistant manager for 3 days kept giving me different answers about what had to be verified. Every time i spoke to him he was evasive and gave different answers.
|
| 06/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I am sick of TD Bank 's fees. They charge fees for everything, maintenance fees, transfer fees, overdraft fees. They even charge a fee to provide overdraft protection even though I have a savings account I use to transfer money into my checking account when I am low on funds. I am so tired of fighting with them to try to get back MY MONEY, it's ridiculous. So, after receiving an overdraft fee on XX/XX/XXXX, I renewed my efforts to find another bank. I read an article about XXXXXXXX XXXX doing away with overdraft fees and saw that it didn't charge many other fees either. I saw it had good reviews, so I started moving banks. At this time I was also changing jobs. On XX/XX/XXXX, I saw my car insurance payment pending. I hadn't realized it was due, so I called TD bank and asked that they decline the transaction. I was due to be paid by direct deposit to XXXXXXXX XXXX and would divert the payment there. TD Bank told me there was nothing they could do. But I was eligible to have the overdraft payment waived once it posted. I called the insurance company, but they also said there was nothing they could do. Unfortunately, HR messed up the direct deposit and I was issued a check instead. When I deposited to XXXXXXXX XXXX through mobile deposit, they put a 5-day hold on it, so it was not available until XX/XX/XXXX. In that time, another transaction came through TD Bank and I was charged another overdraft fee. My boss XXXX me {$200.00}, but when I tried to transfer it to XXXX, it triggered a 4-day review and I still don't have that money. Since it is too hard to get access to my money through XXXX, I am moving my money back to TD Bank, but I'm still facing the problem of them stealing my moneyby calling it fees! On XX/XX/XXXX when I got access to the check I deposited in XXXX, I deposited {$400.00} of it in TD Bank. I called them and explained the situation and that the customer service rep said that I was eligible for a refund. She told me and several minutes on hold that I was not eligible. I told her to pull and listen to the call. She said a judge had to issue a supenoa for external release. I reminded her that she works for the bank, which means she works internally. I think she was trying to scare me or intimidate me, like the bank was going to come after me in court or something. Like I'm that stupid to think I have some kind of legal liability.
I have been laid off twice in the past year and have been greatly impacted by the pandemic. Banks like TD Bank don't care about people like me who have struggled because of the pandemic. All they care about is their profits however they can get them. This is a policy issue that CPFB needs to address through the rule-making process.
XXXX XXXX XXXX XXXX XXXX XXXX " Regulators ought to reconsider whether the overdraft product is really a loan, not a fee. The Consumer Financial Protection Bureau should also engage. Lending money and then recouping it later, plus something extra, is economically a loan. Calling it a fee may exempt it from certain regulations, but it does not change its nature. ''
|
| 05/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
For XXXX thanksgiving, i bought a XXXX XXXX XXXX from XXXX : XXXX leveraging their 0 % 36 month financing option at $ XXXX. The financing seems to be from TD bank. Phone was delivered to me promptly, however i did not receive any information on bank, card, account number, payment due, payment options etc..
In XX/XX/XXXX, i noticed a delinquency record related to XXXX phone. I called XXXX customer service and they confirmed that its TD Bank dealing with financing. I called TD Bank Customer Service - there was no option to speak with customer service agent in their IVR option. I got hold of debt collection teams number, i called and spoke to them and realized that they do not have my address and phone number so there was no communication sent to me. I gave them my address and phone number and asked them to update and issue my new card / new account number. I also paid outstanding balance at that point of time {$140.00}. This amount include late fee of {$100.00} charged to my account. They waived XXXX late fee, for the remaining they asked me to submit a dispute form. I was told that i need to submit/mail in a physical dispute form to reverse the late fees. I was hoping that problem will be solved so went ahead and submitted dispute form as well on XXXX XXXX XXXX through USPS certified mail to TD Bank Retail Card Services - XXXX XXXX XXXX XXXX, XXXX, SC XXXX. Tracking number was XXXX. This was duly delivered on XXXX XXXX. However, my ordeal with TD bank did end there. As i dint receive my new card or account number, i called them XX/XX/XXXX to enquire. Only debt collection team will speak to customer in TD bank, their customers has no option to speak with customer service agent in the IVR ( XXXX ). I connected with a debt collection agent to find out that no communication was sent to me and they had already applied additional {$38.00} as late fee towards XXXX XXXX payment. TD banks debt collection agent ( XXXX ) confirmed that they can not reverse more than 1 late fee. I enquired if they received my dispute form, they have no clue on that as well. XXXX claimed that she is transferring me to dispute team, but later updated me that she spoke to dispute team and they confirmed they did not receive the dispute. Only thing XXXX helped me with is my new account number so i can register myself online. on XX/XX/XXXX, i paid {$1000.00} for a phone that was valued at {$940.00} to close down the accound and avoid any more bad experience with them. It looks like TD Bank business model is to make money on late fees on 0 % installment loans. Through zero communication to customer, they ensure they will get late fees on every loan account.
Overall, TD bank punished me for no mistake of mine and they had no intention to reverse and rectify the situation inspite of no mistake from the customer. I want CFPB to look into this issue and take strict action against TD bank for exploitng customers and take action to correct my credit report with delinquency record and refund late fees charged to my account and additional compensation for bad experience..
|
| 10/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX I attempted to make a cash deposit at the outside ATM at my local TD Bank branch ( XXXX XXXX XXXX XXXX. XXXX XXXX FL, XXXX ). I used my debit card, and deposited {$190.00} in cash. The machine made a grinding noise for a bit, and took much longer than usual, before saying that their was an error. The machine returned my card, and gave me a receipt saying I had deposited only XXXX cents.
I went inside and briefly spoke to someone who told me they couldn't help me and I would need to call customer service because they don't service that ATM. When I called customer service I was told I need to wait until the two cent deposit moved from pending to posted which would occur the next day. I called the next day and the person I spoke with helped me file a claim and explained the process, that a provisional credit would be applied in a few days, but the full investigation would take 45-90 days.
About a week later, after having not received any correspondence, or a provisional credit, I called again. The person I spoke to this time told me no claim had ever been filed, and she apologized for any confusion and submitted the claim at that time. I drove to that same TD Bank and spoke with a representation that told me whole they could help further with the claim, that could at least validate that a claim had really been submitted this time.
On XX/XX/XXXX I received a {$180.00} provisional credit, this now settled my issue, or so I thought. On XX/XX/XXXX I went to a different TD Bank location and deposited {$180.00} dollars in cash. I work as a server so I often have cash, and made a few similar transactions. I put the money into my account with and to use my card to pay our water bill which was due. After depositing I checked my account balance, only to find myself negative XXXX. TD had reversed the provisional credit.
I called customer service once again, and the woman I spoke to informed me the dispute has been denied, with the report stating no error had occurred. She submitted a new dispute, and added notes explaining the situation such as the regular deposits, a need to pay bills, and the insanity of somehow the final conclusion being that I deposited two cents by ATM, which is clearly impossible.
I asked about an immediate provisional credit so at least I could pay bills, but she told me that she didn't have that ability, so I asked to speak to a supervisor. The supervisor was very nice, but was also unable to help me with a immediate credit. She did say she added more notes, and emailed the claim department to request the dispute be expedited. I requested a phone number directly to the claims department but was told they didn't have a number that could be called.
Clearly I am very upset, I put money into the ATM because it should give you immediate access, and now over a month later I still don't have the money. TD compounded this by not properly filing my dispute the first time. I don't understand how the audit can essentially come to the conclusion that I accessed the ATM, and somehow deposited two cents.
|
| 03/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American, Servicemember |
|
On XX/XX/2023 I was XXXX and went to XXXX XXXX XXXX picking South Carolina. I spent 13 days there and then I was bonded out on XX/XX/2023. When I got home my house was robbed and I seen all my personal information laid out on the table like somebody went through it with a fine tooth comb. My wallet and keys were in the house too. I immediately thought of my bank account and got online to TD Bank there I noticed from the time I was in jail they were fraudulent charges during those days. The amount of {$510.00} was missing from my account. I immediately called TD Bank and reported the charges I told customer service from XX/XX/2023 to XX/XX/2023 I was in XXXX and somebody used my card fraudulently. I filed a claim in a timely manner kept up with all the updates and sent information to the fraud department that prove that I was in XXXX for 13 days. I also made a police report and that was also sent for evidence that I was robbed. I gave the officer the information at the fraudulent charges and he said he would investigate. The investigation is not complete as I did not hear from him yet. On XX/XX/2023 I received the letter from TD Bank advising me that they concluded that an error did not occur and the reason for this decision was based upon the following.
you advised your chip card was in your possession during an in-person transaction. IT ALSO STATES THAT IF MY ACCOUNT WAS PREVIOUSLY CREDITED IT WOULD BE REVERSED ON XXXX MY QUESTION IS HOW COULD I BE IN POSSESSION OF MY DEBIT CARD DURING AN IN-PERSON TRANSACTION WHEN I WAS IN XXXX?
I RECEIVED ANOTHER LETTER FROM TD BANK DATED XX/XX/2023 STATING THEY HAD COMPLETED THEIR REVIEW INTO THE ATM DEBIT CARD DISPUTE CLAIM FILED ON XXXX IN THE AMOUNT OF {$510.00} THEY SAID AN ERROR DID NOT OCCUR THE REASON FOR THIS DECISION WAS BASED UPON THE FOLLOWING .... THE TRANSACTIONS APPEARS TO BE AUTHORIZED BY YOU. YOU CONSENTED TO OR BENEFITED FROM THE TRANSACTION. THIS IS UTTERLY RIDICULOUS. HOW CAN I AUTHORIZE ANYTHING BEING IN XXXX? HOW WOULD I CONSENT OR BENEFIT FROM THE TRANSACTIONS? I COULD NOT CONSENT TO ANYTHING I HAD NO PUBLIC COMMUNICATION AND HOW WOULD I BENEFIT FROM THESE TRANSACTIONS? IF YOU LOOK AT ALL THE CHARGES FROM WHEN I WAS IN XXXX THERE WAS NOTHING I could possibly benefit from. Why did I get two letters dated XX/XX/2023 and XX/XX/2023 saying that they reviewed my claim and the two letters had conflicting reports? I believe there was no investigation based on my findings of TD Bank 's transactions and they denied me because of the fact that was in XXXX. I called asking to request documentation on their findings and that is my right they told me to go into your local branch and get the information that's not what the letter says I will write a letter now asking for documentation. I am a XXXX veteran and can't get around that good and the fraud department wants me to go running around town to get information that can be mailed. I am appalled at TD Bank and their shady practices I'm very seriously considering closing my account and going elsewhere thank you for your time.
|
| 03/19/2015 |
Yes |
- Money transfers
- International money transfer
|
|
|
Web |
|
|
On XXXX XXXX, 2015 from my savings account at TD Bank located at XXXX XXXX XXXX, XXXX, ME I had an international wire transfer of {$3600.00} in XXXX funds to a bank in XXXX. The purpose of the funds were to pay for tuition of a student that was going to attend a prep school for college. On the TD Bank XXXX Outgoing Wire Transfer Form under Reference it stated : Tuition for the students name and his date of birth. The student had provided me with the schools account number, bank name and SWIFT account information in order to complete the wire transfer. The student obtained this information from a Financial Representative of the school. The name of the school is XXXX XXXX XXXX. ( See attachments ). The money was successfully transferred to the Bank XXXX XXXX into the schools bank account. During the week of XXXX XXXX the student advised me that in his discussions with the Financial Representative she had not checked with the Enrollment Department and had now told the student that the classes were full and he would not be able to enroll in the school. On XXXX XXXX, 2015 I went to TD Bank and asked them to initiate steps to have the funds returned. The bank representative said they would contact the TD wire department to request that the funds be returned to my account, reverse the transaction. The bank representative said the Bank XXXX XXXX may charge me for the wire transfer back to my account. According to a representative from TD Bank they advised me that the wire department had requested a return of the funds on XXXX XXXX, XXXX and XXXX however there was no response from the Bank XXXX XXXX. Currently I do not know if any other requests were made to the Bank XXXX XXXX for the return of the funds as I have been traveling and need to contact TD Bank for updated information. The Financial Rep. from XXXX school told the student that she was in contact with the Bank Manager at the Bank XXXX XXXX and requested the money be returned to the sender since the student was not enrolling into the school. On XXXX XXXX, 2015 after discussions with the Financial Rep. the student obtained a XXXX from XXXX. The XXXX states in part that XXXX rejected the {$3600.00} XXXX dollars that was sent by international wire into the XXXX account at the bank for the tuition for the student, as the student was not enrolled in the school. On XXXX XXXX, 2015 the student also took a copy of this XXXX to the Bank XXXX XXXX and provided the document to the bank manager. The student also sent this XXXX to me via email and translated the document from XXXX into XXXX. ( See attached ) TD Bank reps have advised me that this matter will be closed within 60 days beginning on XXXX XXXX when I requested the funds be returned to my savings account. TD Bank reps have stated all they can do is have the wire transfer department continue to request the return of the funds, but that if the Bank XXXX XXXX does not return the funds, there is nothing they can do. Basically TD Bank reps are saying that after 60 days I 'm out of luck if the Bank XXXX XXXX does not return the funds.
|
| 12/07/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
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Having run credit and charge card operations for XXXX for 18 years with a good understanding of payment processing, it appears TD Retail Card Services has some serious operational problems.
This TD account is only for the payment of $ XXXX for a XXXX phone . I set up automatic payments via my XXXX XXXX XXXX XXXX process to be paid 5 days before the due date ( the XXXX of the month ). I received a letter dated XX/XX/2021 stating that my account was past due. Upon reviewing my XXXX account online, I discovered that TD posted my XXXX payment one day late, despite the previous XXXX payments being posted early or on time. Since I was not notified of this until XX/XX/2021, I called TDs customer service and spoke with three representatives on the phone over 90 minutes on XX/XX/2021 ( no one seemed to know what to do ) and explained that in over 20 years and hundreds of payments from XXXX XXXX XXXX XXXX, I had never had a single payment received late by any of the recipients. While I can verify that the payment was in fact sent on time, I was told by TD that they could not verify receipt, only when the payment was posted. By default, TD is assuming the payment wasnt sent on time when I have proven it was.
In addition, when I contacted TD customer service XX/XX/2021 by phone I was told the initial late fee would be credited ( which has not been done to date ) and upper management would have to approve the second late fee ( for XXXX ). I sent an email to upper management ( no persons name was provided to me ) on XX/XX/2021 and received a response on XX/XX/2021 indicating that no credit of any late fees would be made. I then sent a letter to TD upper management, the Texas Attorney General, and XXXX on XX/XX/2021 requesting clarification as to why they didn't process the credit their representative said they would. While I received a response to my XX/XX/2021 letter from the Texas XXXX XXXX XXXX ( Complaint No. : XXXX ) I have yet to receive a response from TD. However, this past weekend, I discovered that TD Retail Card Services has now damaged my credit rating by reporting me delinquent to the credit bureaus. In addition, I have discovered that my XXXX payment delivered to TD XX/XX/XXXX and a payment to pay off the remaining balance ( ex. erroneous late fees ) delivered XX/XX/XXXX, as of today ( XX/XX/XXXX ), have not been credited to my account or presented to my bank for payment.
I find it appalling and indicative of deceptive trade practices that TD said they would credit the initial late fee ( which has triggered subsequent monthly late fees while waiting for them to respond to me ) and they havent. This credit arrangement was an extended term, interest free, purchase plan for a XXXX mobile phone. Im now wondering if this isnt a scam to increase profitability by manipulating the application of payments, charging late fees, and ultimately coercing consumers to pay by reporting them to the credit bureaus.
I would appreciate your help in getting this resolved and, most importantly, restoring my credit rating.
Thank you.
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| 08/02/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Incorrect information on your report
- Account status incorrect
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Web |
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I received a call from Target Card services on XX/XX/22 saying that my payment was late for my card and I was past due. I told them that was impossible and they informed me that they had the wrong address on file and the statement was returned. I was able to bring the account current on the phone and the Target representative informed me that he would be sure to put a request on my account to not report that it was late to the Credit bureaus because of the wrong address on file. The next day, XX/XX/22, I received notice that my credit score dropped XXXX points because Target Card services reported a 30 day late notice and a significant balance increase. This was also on the same day that I applied for a new apartment, which I was then denied because of the significant drop in my score. I immediately called Target Card services to understand and they informed me that it was already reported to the credit bureaus before they could send information to correct it. I was even refunded the late fees that were put onto my account. I asked them to please update as soon as possible this is preventing me from being able to have a place to stay. I was informed on 3 separate calls that they reported to the agencies to fix the mistake and that it should show up within the next couple of days. I asked if they could provide something in writing for me to show proof to potential landlords that it would be corrected soon. I was informed that they would not be able to provide that via email. I waited a few days and still no change to my credit report. I called a few days later and was told that it wouldn't report until the next billing cycle ( XX/XX/22 ), which is not what I was told on the previous 3 calls with Target representatives. I asked if they could move my billing date to the 1st of the month to speed up the process in making the correction as I am currently XXXX, waiting for this change on my report. Which they did. I also asked if I could file an internal dispute with Target for the 30 day late notice and balance increase for the month of XXXX. They filed the dispute. I called again on ( XX/XX/22 ), one day after the billing cycle, to confirm that the adjustment would be made to my credit report by removing the 30 day late notice and balance increase for the month of XXXX and was told that since I filed a dispute with Target, it would take another 30 days for the dispute to finalize and any updates to be made to my credit. I was told the deadline to complete the dispute would be XX/XX/22 and that I would not see any changes to my credit until the next billing cycle ( XX/XX/22 ). This directly contradicts the first 3 calls that I had with the representatives with the issue first happened. I was told this would be corrected by my next billing cycle in XXXX and now I'm being told that it won't be corrected until XXXX. I do not have confidence in the way this situation has been handled and communicated and I have been put in a tough situation without a place to live because of this mistake that was made on Target Card services part.
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| 08/09/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I XXXX XXXX saw that TD bank had a promotion where you can qualify for {XXXX} bonus by opening an account. I had an account back in XXXX so i visited the XXXX MA branch on XX/XX/XXXX and i explained to the teller XXXX that i was interested in opening an account to take part in the promotion. I also explained to her than I had an account back in XXXX so I wanted her to check to confirm if i would qualify or not for the promotion. She checked her computer system and advised that she couldn't find anything in the system for me so I would be considered a new customer. She also advised that i would have to also open the account online to qualify so I proceeded to open the account online via my mobile device. Once the account was opened i deposited {$2500.00} to avoid the monthly maintenance fees and XXXX printed me a debit card. I proceeded to set up my direct deposit at my job which started on XX/XX/XXXX for {$800.00} and that amount reoccurred until XX/XX/XXXX and after that my direct deposit was changed to {$5.00} which is currently on going. In total between XX/XX/XXXX and XX/XX/XXXX I've direct deposited {$4000.00} from my payroll which surpasses the {$2500.00} requirement within 60 days which would be XX/XX/XXXX. I called multiple times and i was advised that I 100 % qualify and meet the requirements of the promotion ( {$300.00} bonus ). Now 107 days later when its time to pay the bonus they are advising me that I don't qualify because i had an account before. If they told me this back in XXXX when i visited the Melrose branch I wouldn't have wasted my time and tied up my money and changing my direct deposit for all those months. The customer service rep advised me to go to the branch since this issue started at the branch and the branch can send an email to the promotion team requesting an exception to be made since the error was on their part. I visited the XXXX branch on XX/XX/XXXX and had a meeting with XXXX XXXX whom is the store manager. She supported me and sent the email to the promotion team requesting the exception be made so that I would receive the {$300.00} bonus. I followed up with the TD branch on XX/XX/XXXX and spoke to the customer service rep XXXX whom advised me that they did get a reply from their promotion team whom are still refusing to honor the {$300.00} bonus. At this point I'm going to close my account at TD bank. I find this to be a very deceiving practice on their part. If that representative took a little more time to advise me correctly i wouldn't have wasted my TIME and energy to open the account to get the bonus. Most banks after a year or two you're considered a new customer, so when XXXX advised me that I would be considered as a new customer since its been almost three years according to me ( XXXX ) and she cant find any records for me on file, I had no reason to doubt her and went ahead and invested my TIME and money. I strongly believe that TD bank should honor the {$300.00} bonus to me. I look forward to your response and resolution to this matter.
Thanks XXXX XXXX XXXX XXXX XXXX
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| 06/02/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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To Whom it May Concern : I am refinancing my home which has an existing HELOC loan associated with the mortgage. Both the original mortgage and HELOC are via TD Bank.
I am refinancing through Key Bank and chose to subordinate the TD HELOC loan. We now are approaching 90 days after submission of the subordination request without resolution. A timeline of events is outlined in a recent email sent by the loan attorney to TD bank below. The email string is attached as a PDF.
I understand there is a large number of loans being refinanced and great demand on subordination process. However, I was led to believe by TD Bank that this process would take about 30 days. We have submitted all requested documents with <24 hour turn around. The customer service at TD bank has been very cordial and apologetic. The subordination division is only accessible via email, even for TD Bank customer service.
Notably, my appraisal expired, costing me {$2400.00}. My rate lock has also expired. Collectively, TD Banks ( in ) action is costing me significant amount of money over the life of the loan. My loan officers tell me that a typical subordination, even in todays refinance environment, has taken about 15 days.
Best, XXXX XXXX Account, AMCB Subordinations XXXX ; XXXX ; XXXX XXXX, I am in receipt of your email but I would like to, again, ask that you prioritize the processing of this subordination request that has been outstanding since XXXX. I have reached out to your department multiple times for updates without any response. I have summarized the timeline of the pertinent communications/events below : XXXXSubordination Packet sent via email and XXXX overnight with documents requested on the TD checklist form- was told it could take 30 days to process XXXX received a request for 2 additional items that were not required on the TD checklist : 1 ) payoff statement for 1st mortgage and 2 ) verification of tax bill payment. I promptly ordered a payoff and sent these 2 items back to the Subordination Dept within 24 hours ( on XX/XX/XXXX ) XXXX received an email from the Subordination Dept advising the file was being transferred to underwriting and to allow 7-10 business days XXXX received a request for a Preliminary CD ( another item that was not requested on the TD Checklist ) and sent this back to the Subordination Dept on the same day ( XX/XX/XXXX ) XXXX received an email confirming receipt of the missing document which I assume refers to the Preliminary CD requested ( and sent ) on XX/XX/XXXX with yet another request to allow 7-10 business days processing. ( see email below ) We are now nearing 90 days of processing without any progress. In my 15 years of practice, I have never seen a subordination request take this long. I have copied the borrower and loan officer on this email as I expect they will also be reaching out to management about the handling of this matter. In the meantime, please let me know as soon as possible if there is ANYTHING else you need to get this subordination request granted as soon as possible.
Thank you, XXXX
|
| 09/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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Account Number : XXXX To whom it May concern, I would first like to start off by saying I hope you are safe and healthy during these challenging times. I am writing to you because I noticed that my credit report contains late payments reported on ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my Nordstrom account. I would like the aforesaid late payments to be removed from my credit file because they are in violation of the following consumer laws. 15 USC 1681b and 15 USC 1666b. The late payments in question have no reason on my credit file because i did not give consent. According to the consumer law late payments are not listed in the law therefore the late payments that are on my credit file are violating my rights. I will be notifying the CFPB about this also. The late Payments being reported on my credit file also violates consumer law 15 USC 1666b. I was not mailed my monthly statement so you can not treat the late payment as a late payment. Due to these violations of the following consumer laws ; 15 USC 1681b and 15 USC 1666b, my late payments should be removed. I would also like a material disclosure of the finance charge for this account ; 15 USC 1637 sub section 1.
On XX/XX/XXXX, I emailed you notifying you that i would become homeless if the late payments arent removed. I also conveyed that my account wasnt enacted in autopay and i was severely ill. I havent missed a payment ever since. And i even boycotted your store due to your refusal to remove the late payments off of my credit file. I would hate to have to completely close the account with all the credit history. And i would love to shop at your store but i can not support a corporation that doesnt care about their customers and just wants their money. I have gotten a goodwill adjustment from every major credit card company i have been with. Its just Nordstrom that is refusing to give me one. Its to my understanding that every credit card company or creditor is subjected to the same exact consumer laws. They all have to follow the same exact laws. So every time i call to get my late payments removed i get the same old generic line that you have a duty to report an accurate credit file. How come the other creditors were allowed to issue a good will adjustment then. All creditors are subjected to the same exact laws. So that means that your company is simply refusing to empathize with my situation and would rather let me become homeless than remove a few XXXX dollar monthly late payments. If my late payments are not removed as a result of your company being in violation of the two aforesaid consumer laws. I will be closing my account with nordstrom and boycotting nordstrom for good. I will also let the general public know how nordstorm treats it customers and try to get others to start boycotting you as well and closing their credit file with you guys. I love nordstrom and everything you stand for so much so that i was an employee. Please honor my request, because i will become homeless if my request is not honored. You can contact me at XXXX.
|
| 11/27/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
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I attempted to cancel my autopay on XX/XX/XXXX and also added a new bank account to manually make the payment, as the original autopay account did not have enough money to cover the transaction. I successfully submitted the payment from the new bank account. ( Email confirmation attached. ) I spent over 2 hours on the phone with customer service on XXXX after getting an email from my bank that 2 payments were returned due to insufficient funds. I was very confused because the bank that emailed that notice was the old auto-pay account that I hadn't used for the manual payment. After much back and forth with the customer service agent, they said they reached out to the tech team and because I added the new account before the autopay was processed, it pulled it from the original, incorrect bank account. I inquired how I was supposed to know that it would pull from the wrong account, if I specifically added to the new account for the purpose of making the payment. I also noted that the payment confirmation emails do not include the last 4 digits of the account it was paid with. The agent also informed me that there was no way to reverse the double payment from the incorrect account- they could only let it post and then start a case to process a refund, which couldn't be done for 8 business days.
Nordstrom Card Services proceeded to retry the payment 2 more times, on XX/XX/XXXX and XX/XX/XXXX ; even after I had this lengthy exchange with customer service where they informed me that the payment processed incorrectly. I waited until the next bill posted to my account to go back and pay the full balance from the XXXX added bank account on XXXX.
I attempted to use my card on XX/XX/XXXX to place an order on Nordstrom.com but received the error message to " Check card and billing address information or try a different card. '' I was confused yet again, because no information on my account had changed. I called customer service and after researching they stated that my account was blocked due to the 2 returned payments and " due to federal regulations, they have to wait 20 business days for the most recent payment ( XXXX ) to finish processing '' prior to me being able to use the card again- which would be XXXX.
My issue is three fold : the company admitted a tech error on the manual payment that I made from the being incorrectly debited from the wrong bank account. And further, that my card was blocked for 30 days without notifying me. Reasons for which, were the fault of Nordstrom Card Services. Lastly- the " supervisor '' I spoke with on XX/XX/XXXX claimed that she could go back and listen to the original phone calls ; yet claimed there is no tech team that could have been consulted and I was incorrectly advised. I find it impossible to believe that a financial services firm such as TD Bank doesn't have tech team to consult about payment processing errors. The general negligence of the company without accountability for their errors is unacceptable.
If this issue can not be resolved, I would like to close my account.
|
| 09/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
On or about XX/XX/XXXX I went to XXXX XXXX XXXX of XXXX to purchase a XXXX XXXX XXXX XXXX for approximately {$43000.00}. I was approved be several banks and based on what the Finance Manager told me I decided to go with XXXX XXXX XXXX because they were offering me a lower interest rate. After approximately 2-3 hours I was finally called into the Finance Manager office to sign all the documents pertaining to the sail of the XXXX XXXX XXXX XXXX. When I completed the signing of the documents and exited the Finance Manager office, the salesman told me, 'Mr. XXXX we can get you into a new XXXX XXXX XXXX. Since TD Auto Finance approved you for the XXXX we ( XXXX XXXX XXXX of XXXX ) will tell TD Auto Finance that you changed your mind and DIDN'T PURCHASE THE XXXX but rather decided to purchase the XXXX XXXX XXXX so they would finance the XXXX and you can take the car home ''. Between both vehicles I purchased on that day, the total was approximately {$95000.00}. After I returned home from the purchase of both vehicles I called TD Auto Finance and made them aware of the misrepresentation that XXXX XXXX XXXX provided to them regarding my purchase of the vehicle they financed, XXXX XXXX XXXX for approximately {$53000.00}. The TD Auto Finance Representative that I spoke to didn't seem in anyway regarding the fraud that XXXX XXXX XXXX of XXXX presented to the by lying and stating that I decided to purchase the XXXX rather than the XXXX. I asked the TD Auto Finance if I would've been approved for the purchase of the XXXX if they knew that earlier in the day I purchased the XXXX & the Representative stated " NO '' and that I was taking on to much debt. I was paying $ XXXX monthly for the XXXX & by purchasing the XXXX I would incur another monthly expenditure of {$850.00}. I asked the TD Auto Finance if there is anything they can do to help me since this loan was obtained by fraud because of the un factual information XXXX XXXX XXXX of XXXX, Montana provided TD Auto Finance & the TD Auto Finance Representative answer was " return the vehicle ''. I stated to the Representative that by doing that I will ruin my credit & her reply was simply that's your problem that you would have to deal with. I asked her " Don't you think this transaction should be of concern to TD Auto Finance ''. Her reply again was I can take the vehicle back.
Since the purchase of both vehicles approximately 2 weeks ago I returned the XXXX XXXX XXXX XXXX TO THE DEALERSHIP because they sold me that car unlawfully & unethically. They didn't disclose to me that it was previously used as a rental and after I found out it was I threatened to take them to court and the General Manager, XXXX XXXX told me to take back the vehicle to the dealership & he will comply with my command of reimbursing me approximately {$3000.00} and paying off my loan with XXXX XXXX XXXX. In closing, I recently found out that XXXX XXXX XXXX knowingly & willingly failed to provide me an additional {$1000.00} manufacture rebate which I'm currently addressing with the XXXX XXXX XXXX.
|
| 11/01/2017 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
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On XXXX XXXX, i contacted TD bank mortgage services to inquired if TD Bank would be providing any deferment to customers impacted by Hurricane IRMA. The representative informed me that yes, they are providing 2-month deferment to customers in areas impacted by XXXX XXXX that she would need submit a request to the working back office team. After submitting the request she told me that i would be receiving a package through the mail in 5-10 business days. After 10 business days, i called TD Bank again, spoke with another representative and she said that there are a lot of request to please give it another 3-5 business days for the package to arrive. After the 5 business days, i called again and spoke with a XXXX and he said that he will make call to this department the following day to see what is going on. Few days later i started receiving collection calls as i was past due. I explained to the rep the conversation i had with the TD bank XXXX to please look at the call log notes. The rep apologized and told me that he will stop collection auto calls until XXXX. I called again XXXX spoke to a representative and explained again my issue and he told me he was confused because he 's done many of these requests and he does not understand why you have n't received a letter or package yet. He said that he would call me the following day or for me to call after XXXX pm XXXX and asked for him. XXXX i called back to speak to him, he return my call and said that the back office team told him they need proof of damage to property and working contract of with timeline when it would be completed. He was confuse with their response so he sent another email to that team asking why? He said he would get back to me the following day. on XXXX, i made a comment on XXXX to TD Bank leadership team, i received a phone call back the following day from XXXX XXXX, she began to explained to me that the reason a package was not sent was because my loan is an FHA loan and FHA is only providing forbearance for 60 days but at the end of 60 days, i would need to pay back the 2 months and current monthly mortgage payment. I was very upset and explained to XXXX that it took TD bank over 30 days to tell me that my loan is an FHA loan and i do not qualify for a deferment!. Because of the lack of due diligence in their process, now i am past due 60 days on my mortgage, if I would of know this information early i would of made arrangement to pay one moth past due and begin making payments in XXXX. All we are asking if they could place these 2 payments at the end of the loan, i feel like we were mislead with all of the incorrect information TD Bank provided to me as a customer. I feel like we were mislead with all of the incorrect information TD Bank provided to me as a customer. They are asking me to complete an request for assistance form to request to look for other form of assistance. We are concern that a loan modification would be needed then interest change will increase and we would also be responsible for closing cost. we do not want this!!
|
| 08/28/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Money order, traveler's check or cashier's check
|
- Lost or stolen money order
|
|
Web |
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This is in relation to a previous complaint I had filed submitted on XX/XX/XXXX about XXXX XXXX which remains open ( XXXX ). I am filing an additional complaint about TD Bank because they seem to have stalled the case completely on their end, in the hope that our case can be resumed. We have been told by XXXX that they have been reaching out to TD since XXXX, XXXX requesting an update on TD 's investigation of this matter, and have consistently been receiving a response that it is still pending. It has been over a year since this incident occurred. XXXX responded promptly to our CFPB complaint but they are still receiving no support from TD, and so we would like to open a complaint against TD as well.
Here is the previous complaint description for context : On Saturday, XX/XX/XXXX I withdrew {$14000.00} in the form of a cashier 's check from my the savings account of my bank ( XXXX ) for the purpose of paying a deposit for my wedding venue with the intended recipient being the owner of said venue ( XXXX XXXX XXXX ). I placed the check in a sealed envelope in a public USPS mailbox near my house in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on Sunday, XX/XX/XXXX ( the next day ). I was informed about a week later that the check never made it to the intended recipient, and after contacting XXXX, learned that it had been fraudulently cashed or deposited by TD Bank on Monday, XX/XX/XXXX with the recipient as " XXXX XXXX ''. It was concluded that it had been stolen from the public mailbox and forged with a new recipient name. I had a case opened by XXXX 's fraud department and was assigned a case worker : Case worker : XXXX XXXX Case number : XXXX Reference number : XXXX Dispute number : XXXX We were instructed to sign an affidavit with the receipt from the cashier 's check attached, which we signed and mailed on XX/XX/XXXX. We were assured that we'd get our money back, and informed that typical turnaround for cases like this was up to 120 days. I reached out several times over the next few months with no meaningful update. I filed a complaint against XXXX with the Office of the Comptroller of the Currency, and promptly received an update in early XXXX that XXXX had contacted TD bank to confirm the fraudulent activity, to which they had heard no response. In the 5 months since this update, we have reached back out to XXXX at least 5 times to learn that there had still been no response from TD Bank to their request for confirmation of fraud. I have tried to contact TD 's fraud department, but was unable to get very far without a contact number or case worker. We were told by a representative at TD 's fraud department that it is incredibly unusual for a case like this to take this long. I have written to the Office of the Comptroller of the Currency to reopen the case against XXXX and to file a new complaint against TD. I contacted XXXX again and learned today ( XX/XX/XXXX ), that they plan to reach out to TD once again. It has now been 1 year since this unfortunate event, and there has been no resolution.
|
| 08/11/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
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I went to deposit {$2300.00} on Sunday, XX/XX/XXXX at XXXX at TD Bank at XXXX XXXX XXXX, XXXX XXXX NY . I put the bills in to the ATM for deposit. The money was not accepted and spit back out 2 times. I assumed it was too much cash at one time, so I split it up into multiple amounts to make several smaller deposits. I put in {$2100.00} ( in 100 dollar bills ) and it was spit back out initially. I assumed it was because the bills were not all facing the same way, so I corrected that and on my next try it was accepted by the machine. The machine went blank and the screen turned black. The machine started beeping while the word 'Wait ' flashed over and over again. After approximately 2 minutes the machine restarted and I continued. From there in error I hit 'quick cash ' and received {$60.00} in cash. I continued trying to deposit the remaining {$260.00} that I did not initially deposit along with the {$60.00} in cash that I had just withdrawn in error. I put {$320.00} into the ATM and received a receipt stating I only deposited {$210.00}. The initial {$2100.00} was gone and not reflected on my receipt or balance. I called TD bank while standing at the ATM and told her what had happened and explained that my receipt did not reflect what I put in. She responded by saying " Your receipt and what I'm looking at on my screen do not match. '' From there, the woman told me to call back in 3 days because they won't file a claim until it's been 3 days. I asked several questions including 1. Can I see the security footage. 2. Can I speak to someone at the bank branch. Her response was that I could go and try. The next day, Monday XX/XX/XXXX I returned to the branch at approximately XXXX and waited outside until someone would see me at XXXX. I spoke to a man who took my complaint and told me to wait 7-10 business days. I waited 10 days and never heard back. From there I went back to the branch on Saturday, XX/XX/XXXX. I spoke with a woman who told me to keep waiting until it's been 15 days. I continued to hear nothing from TD Bank. I called again on Monday, XX/XX/XXXX with my boss who offered to help advocate for me. We spent over 2 hours on the phone with TD Bank who indicated that we needed to file an additional claim. At this time, they told us that the initial claim had been denied at XXXX that morning ( XXXX ). The woman could not repeat the story and provide accurate information despite us going over it several times. We asked several times for information about what occurs during an investigation and who does the investigation. The representative from TD Bank could not answer these questions. This person was unhelpful and could not follow or accurately document the information that we repeatedly provided. After finding out the initial claim was denied, we refiled another claim with this woman on the phone. One week later on XX/XX/XXXX I received 5 copies of the same letter that indicated that they completed an investigation and an error had not occurred, therefore our claim was denied and I would not be refunded.
|
| 04/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Auto loan with TD Bank XXXX XXXX Account number : XXXX Name : XXXX XXXX Old Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Current address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL, XXXX Old phone number : XXXX Current phone number : XXXX ( only this number is in use from XX/XX/XXXX ) To whom it may concern, This letter is to explain my situation regarding my car was reprocessed and my and my husbands credit scores are hitting the bottom low.
I have been working very hard to have a good financial life and maintain high credit rank. I bought my car in XXXX, using TD Bank auto loan. For the past XXXX years, I had not ever paid late even once. I set up autopay with my XXXX XXXX XXXX. For some reasons, the autopay was stopped from XX/XX/XXXX, which I had no knowledge of. At the same time, XX/XX/XXXX, we sold our old home and moved to our new/current home in XXXX XXXX. I also changed my phone number due to business need. I kept XXXX phones with me until XX/XX/XXXX, I called and ended service with number XXXX.
I did not check the payments of the autopay thinking that everything was going well as it was supposed to be. Even with the hectic of moving and on top of that, we delivered our child on XX/XX/XXXX, I had never been late on my bill paying. All of my credit cards, utilities, and so forth are in good standing. On XX/XX/XXXX, I was furious when I found my car reprocessed. I had not receive any phone calls, emails, or letter about this matter prior to this event.
In that same afternoon, I registered online account with TD and then paid off the car right away. The balance was only over {$2000.00}. I called TD bank on Monday, XXXX, around XXXX and talked to XXXX XXXX I asked why I did not have any mails or phone calls to inform me about the late payment. She told me that the bank mailed a letter to me in XXXX, and it was sent to XXXX XXXX, which is the house we sold back in XXXX. Apparently, they did not know where to send the letter, but know where to haul away my car.
My credit score went to the bottom since. Even worse, my husbands credit score was also dragged down. He works for XXXX XXXX XXXX and his score was all time high in the XXXX. Because of this, our family has been in deep stress.
I sent a letter to TD Loan and about a month later, they said there is nothing they can do.
This is my last resource. I am sincerely asking you to help correct our scores. I did my diligence of paying the balance right away when I knew that I was late. The late payments were not my intention nor within my knowledge. Please help me to believe in the system and that good people should not be punished. I am working so hard to maintain a healthy family physically and financially. I truly hope for your understanding and that you will help me to get out of this situation. Please let me know what you need and please do not hesitate to contact me anytime.
My cell phone : XXXX. My email : XXXX. My address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL, XXXX Thank you for your time and consideration.
Best regards, XXXX XXXX
|
| 08/23/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
XX/XX/XXXX TO : TD bank RE : {$450.00} promotional bonus, at least {$75.00} fees, personal time {$2000.00} to collect unpaid bonus, credit damages {$25000.00} for failure to close accounts under asking On XX/XX/XXXX I already filed a complaint against TD Bank for failure to pay {$450.00} promotional bonus. Now this bank continued to drag me without my consent to cause extra fees at least {$50.00} plus credit damages. I am not going to repeat that both of my accounts ending in XXXX and XXXX have already met promotional requirement. For example on XX/XX/XXXX a direct deposit more than {$2500.00} has been deposit to premium checking XXXX within 90 days of account opening. On XX/XX/XXXX another direct deposit more than {$500.00} has been deposit into convenience checking ending in XXXX. Since both of these two accounts met promotional bonus requirements, therefore I insist to ask {$450.00} bonus plus my extremely precious time to contact TD bank in person for at least 5 times including branch visit, phone, and secured messages. I spent at least 10 hours at {$200.00} per hour to collect this promotional bonus for {$2000.00}. On XX/XX/XXXX when I called this bank again to ask promotional bonus and extra fees {$25.00} caused by this bank for failure to pay and close the account. The representative named " XXXX '' told me that the {$300.00} bonus for premium checking XXXX will be posted on XX/XX/XXXX. I had asked this employee to give me her ID number and her last name plus reference number regarding her statement, however she told me that she made statement on my account to ask me to check the {$300.00} bonus on Monday XX/XX/XXXX. On Monday I checked the balance that NO any {$300.00} credit was posted on my account then I feel that I was cheated by this bank. Subsequently there was another {$75.00} fee were posted on my account which further damage my credit. On XX/XX/XXXX I left another message to TD bank XXXX branch to ask them to pay {$450.00} bonus and close both accounts. However this bank totally ignore my message. I had terrible experience with this bank not only this bank cheat consumer, but ignore my constant complaint to close two accounts which caused extra fees {$75.00} plus credit damages {$25000.00} and my personal time {$2000.00} to collect promotional bonus. This bank had terrible customer service to cause me at least 30 minutes to reach customer service by phone which is extremely inconvenient. I never had experience to have overdraft to damage my credit. At this time, I am asking restraining order against this bank to continue to drag consumer without my consent for failure to close both accounts. Since both accounts exceed 95 days after terms and conditions were met, I am asking to pay {$450.00} bonus, {$25000.00} credit damages, at least {$75.00} fee, my time {$2000.00} to collect bonus since XX/XX/XXXX to present time. Also close both accounts immediately to prevent further fees and credit damages. Delete all banking information I am not willing to bank with company anymore due to cheating.
|
| 11/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/23 I was scammed by a two people. 1 person posed to be an XXXX computer cyber security who tricked me into believing my account was used for purchases of XXXX XXXXXXXX in XXXX and I had to call TD bank to assure my account is put on a 48 hour hold to prove it was not me. He took me through steps on my computer and called TDbank on 3 way.. i was tricked into going to XXXX and making XXXX purchases. I called TD bank my self when I realized I was being scammed. I called immediately after and explained to the real TD bank representative at time of call that I was told to go make XXXX purchases and I was told to text yes on my text message. I explained to her I figured out I was being scammed after the first two purchases in the amount of {$200.00}. I told her the gentlemen posing to be TD bank representative told me to text yes. I found it suspicious and did not proceed with the additional purchases. However, TD bank the actual representative said that the transaction can not be in a pending status to be disputed. She said it has to go through and then they can dispute it. So I proceeded to wait till ; the next business day to call and dispute it. They denied the dispute do to me texting yes. So I called and told them the story again and said I was told to text yes. I also have proof of the text messages the scammers sent me. She then said that I needed to fill out a police report with all the findings and resubmit the dispute. I did. I provided the date and times and there are even recordings of when I was coming in and out of the location talking to the people on the phone in a scurry looking worried and confused. Unfortunately, I was denied again. When I called the the supervisor by the name of XXXX, proceeded to tell me it was not enough evidence, and he stands with not giving me the refund. MY complaint is. I showed proof by calling the day of and the call is recorded. I called before the transaction went through to tell them not to put it through. Yet they could not and advised I let it go through.. then they now wanted more proof and request a police report. So I go through XXXX and relive the horror of the scam and I was still denied. Whats worse is I am accused of participating in the sale and I feel discriminated against and judged. I was manipulated into the sale. I suffer from an underlying condition that causes confusion i wouldnt particpate in such actions. I needed the funds for a procedure. I expressed this with TD bank and said I can provide proof of this as well..they did not care. The supervisor did not care to listen to the previous recordings or look further into what I was told by previous representatives who felt I deserved to receive it in my favor. I clearly proved I was scammed, and I followed exactly what I was told to retrieve my funds back yet I was still denied. I just opened an account with TD Bank and because of this I am being forced to close my account because I am no longer wishing to conduct business with banks I can not trust. Account Reference # XXXX # XXXX
|
| 06/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
The scam began when I listed a bed and bedframe for sale on XXXX XXXX for {$250.00}. I was contacted by a woman named XXXX XXXX ( on XXXX she went by the name XXXX XXXX ) who was interested in purchasing the bed from me. She wanted to pay using XXXX.
The individual claimed they sent the money via XXXX. Both XXXX ( buyer ) and a convincing email from a fake XXXX customer service email address ( XXXX ) notified me that I must upgrade to a business account to receive my money from the buyer because the buyer paid from a business account.
I received screenshots of what appears to be the pending payment within the app from this email : XXXX. I called the customer service number on this email and was pressured and convinced that this process was the only way of receiving the pending funds the buyer sent me.
So, the scammer agreed to send me {$350.00} to upgrade my account if I was willing to refund the amount. I received another email from XXXX stating that my XXXX account was upgraded. Then the customer support person I was on the phone with told me to request the buyers XXXX information to refund the amount she claimed she sent.
I refunded the money to the scammer, but then I realized that they never sent me any money in the first place. Instead the money I was scammed into sending them was taken out of my account. Then the buyer and the customer support person claimed that the buyer sent me the {$350.00} twice. That was when I realized this is not right and immediately contacted XXXX on their website to report this situation.
XXXX informed me that the phone number and email recipient I was correcpoting with was not a real XXXX support individual. They also informed me that the moment I sent the payment to a XXXX user, I am not able to stop the payment nor are they able to offer a reimbursement. Therefore, I contacted TD Bank Credit Card Support immediately after to stop this payment and report fraud ; however, I was informed by a representative that they could not stop the payment or report fraud until it was posted. I waited until it was posted to report this scam and file a dispute on the transaction that was posted on my credit card account on XX/XX/2023 in the amount of {$360.00}. However, I received a letter from my bank stating that based on their investigation that they concluded that fraud did not occur. I did not agree, so I filed a credit card dispute claim on XX/XX/2023 and faxed documentation of this fraud to TD Bank credit card department. On XX/XX/2023 I received a letter stating that they concluded that an error did not occur and I must resolve directly with merchant. I believe TD bank should have been able to stop this payment when it was pending but failed to do so and I provided all the information I had to show them what had happened to me and that I was clearly manipulated and scammed by two people in giving them money.
This has happened to people before me and unfortunately I was unaware of this. This website explains this type of scam that is going around XXXX XXXX XXXX XXXX
|
| 02/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
My complaint is with TDBank in XXXX MD. I have tried to resolve this issue by telephone, in person and by a format letter all to no avail. TDBank is refusing to provide two chargebacks to my checking account. As of XXXXXXXX a company XXXX credited two chargeback payments of {$85.00} and {$35.00} respectively to TDBANK for my checking account. TD Bank will not accept this action from XXXX on their behalf because it was not in my account at TD Bank. I have submitted an Invoice emailed to my bank with the details of the accounting for the funds as being charged back to my checking account. However TD Bank is proclaiming that it was not paid because it is not in my account statement. In my letter to TD Bank I asked for an investigation of their claims. I dont have any thing to do with their banking processing of customer accounts and chargebacks. This the banks responsibility to handle this issue with XXXX. Please note that TD Bank took several weeks or more to investigate this matter I was disputing with XXXX regarding that I never received the XXXX XXXX XXXX that they were supposed to provide me with. I called them XXXX and told them that and they sounded like they were a fraud or scam. So I asked for my money back and they said they would not give it back. I then contacted my bank TD Bank and filed a dispute on my behalf. By them taking so long to resolve the dispute in my favor they became aware that I had stopped my direct deposit and was closing my bank accounts. This is when they informed me that they were not going to be able to charge back the money from XXXX. I knew immediately why because I was going to no longer be a customer.
I went into the bank and showed the person at the desk the Invoice information regarding the payment that was charged back to TD Bank but she refused to accept it. I even called the XXXX billing and the customer representative spoke to their billing person and still she didnt care to respond or resolve my concern. This person had a nonchalant attitude and proceeded to help someone else. She had the attitude of being I was not a customer of TD Bank so she is not going to help me resolve this issue. I am a XXXX yo retired single person who has been with TD Bank since XXXX when they were named The XXXX XXXX XXXX XXXX XXXX MD. They have been charging me over {$12.00} a month service fees for a checking and savings account with .01 % interest. This bank is the most non customer friendly and of no financial gain options that are nonexistent for me or anyone else to continue banking with.
I would like my money credited back to my checking account and the service fees that are still being charged to my accounts be removed so I can afford to close the open accounts. TD Bank will not allow these accounts to be closed until I pay {$130.00} which includes the {$85.00} total of the chargebacks and their unfair service fees by this bank.
I appreciate CFPB for their help and support of consumers rights when it comes to unfair practices by banks and other financial institutions.
|
| 10/24/2016 |
Yes |
|
- Unsolicited issuance of credit card
|
|
Web |
|
|
My fiance and I were at Target checking out and the cashier asked us if we would like to apply for the Target REDcard. We both declined, saying we did n't need a credit card. She then went on to tell us that they had rolled out a new program that was just a rewards card. I thought nothing of this since companies do things like this all of the time. It really interested my fiance and I and we decided to sign up. She told me that she would just need our driver 's licenses. I went first, and she clicked through the prompts on the card reader quite quickly, to where I could not read what it said. She then asked me to finish off the prompts once it got to a question about income. This was a red flag, so I asked her if it was a credit card that I was signing up for, just to clarify. She assured me that it was not a credit card, that the income question was just to determine what kind of coupons I would receive. That sounded pretty odd, but I shook it off and continued on. Then, the prompt asked for my social security, to which I was really confused. I once again asked her if it was a credit card and she PROMISED that it was n't. I finished the questions and signed my name. Where I signed my name, it had something about " credit '' and I asked her about it. She told me that it just said that, but it was n't a credit card. I really felt weary but signed anyway, which is something I regret. She also took {$10.00} off of my purchase, saying that I could not tell anyone about it, whatsoever. She did the same exact thing to my fiance, and once we were on our way out of the store, I searched on the internet to see if Target had just a rewards card. Turns out, they do n't. I was really upset and frustrated that this woman wasted ten minutes of my time to make us apply for a credit card when she explicitly told us it was not a credit card. My fiance called the store once we got home and complained about it, to which he was greeted with a rude customer service rep saying that we just " misunderstood what we were signing up for ''. He explained that she told us it was n't a credit card, just a rewards card, and the woman on the phone literally yelled, " It 's not a credit card! It 's a DEBIT card '' to which my fiance told her that we did not give any of our banking information. At this point, we are livid because the customer service woman is n't listening to us and blaming us for " not understanding '' instead of taking our words seriously. We asked to speak to the store manager, and we were told that she was with another person and that she would call back. She does so, and told my fiance that they have spoken to the employee to get a better understanding of the situation and they realize that it was all a big misunderstanding. My fiance asked what was going to be done about this, and the manager did not give us a definite answer. We feel as if no one at the store took us seriously and that the issue was not resolved. We feel humiliated and completely taken advantage of by this cashier who illegally lied to us.
|
| 03/21/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am filing this complaint against XXXX and TD Bank for the manipulation of credit record and discrimination by denying me service and product.
On XX/XX/XXXX, I visited XXXX trough my student account and ordered a XXXX XXXX XXXX in trade-in with my current XXXX XXXX. At the checkout, I was prompted to apply for XXXX financing provided by TD Bank. I filed the form and submitted it with all my personal information. I received a congratulation email notifying me that I have {$2200.00} credit line which will be used for the new phone with confirmation # XXXX.
On XX/XX/XXXX, as I await my new phone, I received an email notifying me that my order was canceled. I contacted the customer service by phone at XXXX to find out what the problem may have been. I received no answer from the agent who asked me to call TD Bank.
On XX/XX/XXXX, I contacted XXXX again through an online chat. The agent informed me that my order was unsuccessful. He also stated that I needed another payment method in order to have my order processed. I copied-pasted him the funding availability note on my account XXXX account " FINANCING PROVIDER TD Bank, N.A. ACCOUNT NO **** **** **** XXXX AVAILABLE CREDIT {$2200.00} '' to show him that I do have funding available. He was surprised and asked me to call XXXX Financing Department.
On XX/XX/XXXX, I contacted XXXX Financing Department by phone at XXXX to find out what the problem may have been. The call lasted about XXXX from XXXX to XXXX Alaska time. The agent confirmed that he does see that I have funding available but can not understand why the order was declined. He concluded that he will transfer the situation to the management with promise that someone will take care of this. Before concluding the call, I notified the agent that I am concerned with the fact that my personal information was accessed but that I have the feeling that I am being lied to. He apologized for the inconvenient and asked me to be patient.
Today XX/XX/XXXX, I opened my XXXX account and realized that my account was accessed, altered and the funding of {$2200.00} removed without my any form of communication. I immediately contacted XXXX by phone and online chat to find out what had just happened. The agent named XXXX XXXX repeated the usual regret and directed me again toward XXXX Financial Department. This time, the system requested my credit card number and automatically hanged up for three time.
I am very frustrated and feel that I was manipulated, and my personal information abusively accessed. XXXX and TD Bank accessed my credit file and they know it will affect me. For some untold reasons, they lured and tricked me to obtain my Social Security Number, Financial and Employment Record and they then denied me the service. I feel abused and discriminated against. I don't think anyone deserve to be treated this way. I am asking for justice and reparation in all fairness for the consumer that I am with hope that the two companies are investigated to prevent this situation from happening to someone else.
|
| 08/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
There was an issue two weeks ago where my TD Bank account was suspended. I filed a CFPB complaint and was able to resolve the account suspension, whereas I am able to access my accounts again. Now there is an issue where the bank is using different terms for me personally than what is stated on their web site regarding the checking bonus offered to the public. They are making different terms just for me. First some additional background on this. When I first reached out to TD Bank, a local banker changed my account type without my permission. I had a question whether because of the account type changed ( from " XXXX '' to " XXXX '' and back to " XXXX '' again ) whether the promotions that I am eligible for and was enrolled in when I opened the accounts would be affected. I waiting 10 days for a response from the " Promotions '' department to ensure that my accounts would still eligible for the bonus promotions due to the unauthorized account type change made by a local TD Bank branch. We also needed to ask for an extension of the funding period for the Savings account since my account was suspended for several days ( which was granted ). Here is the offer from the bank : https : XXXX The terms clearly state that based on my circumstances that I would be eligible for the {$300.00} checking account bonus. What I am being told by the bank now is that I do not qualify for the checking account promotion, even though there is nothing in the terms that would exclude me. The reply from the bank where they claim that my account is ineligible : Hey, The previous account you held is the reason they are not honoring the checking. It may have been more than 12 months ago but, they are still counting it. I provided the last four digits of the old checking account number in the previous response. -XXXX -- This is different than what the terms state : Offer valid XX/XX/2020 through XX/XX/2020 and is available only when opening through a qualifying website. Checking offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD XXXX Checking account with cumulative direct deposit funds of {$2500.00} or more into the new checking account within 60 days of account opening. {$150.00} bonus available to eligible new personal checking Customers when opening a TD XXXX XXXX account with cumulative direct deposit funds of {$500.00} or more into the new checking account within 60 days of account opening. Qualifying direct deposits include your paycheck, pension, government benefits ( such as Social Security ), or other eligible regular monthly income from your employer or the government electronically deposited into your checking account. Person-to-person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify.
|
| 03/28/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
We bought a XXXX XXXX XXXX XXXX from a dealership here in XXXX CA. They used TD Auto for the financing. The SUV was in an accident on XX/XX/XXXX and was deemed to be totaled by our auto Insurance. They XXXX XXXX sent TD Auto a check for $ XXXX. Prior to that, TD Auto went in the dealer reserve funds and took out {$2300.00}. We did not know this until way after the fact with dozens of calls to TD Auto since the accident! My wife called XXXX to cancel the extended warranty or service contract. That refund was sent to TD Auto Finance on XX/XX/XXXX and deposited by them on XX/XX/XXXX. Again dozens of phone calls later TD has maintained they have not received the check. My wife asked for and received proof of the checks from XXXX. TD could not do this on their own. My wife also had to call XXXX to file the GAP claim, because XXXX from TD did not do it as he said he would. When the GAP claim was filed, it was approved very quickly, because my wife did all the leg work for TD. She sent in all required Documents to XXXX. That check was sent out on XX/XX/XXXX and deposited by TD on XXXX XXXX Again, TD has repeatedly maintained they did not receive this check as well. Ally provided me with a copy of the canceled check. She sent it in to TD Auto. She has left repeated messages for the mgr of the Insurance resolution Dept, to which he does not return calls at all.His name is XXXX XXXX. She reached him today by fluke and she asked hi m what is going on? He gives her all kinds of stories and the runaround. She asked for his legal dept, he said they do not deal with the public. My wife asked him, '' so how would our attorney get in touch with them ''? he says oh fax in whatever to your file. Like how she faxed in the proof of the canceled checks to them since XX/XX/XXXX and XXXX and he said he was now seeing them! The biggest issue is an outstanding loan balance, with interest added daily in on my credit and I have been denied three time thus far for an auto loan, to get a replacement vehicle which we need.Each one citing high acct balances. Beside my home, I have three credit cards. I make good money and pay my bills on time. But this runaround is causing me a lot of stress and unnecessary headaches! MY wife is very ill and daily she wakes up at XXXX XXXX our time to reach these people, otherwise it is up to two hours holding to get someone. When she does get through, most are ridiculously rude! They claim they give legendary customer service? They need to change that to we give rude and unprofessional service! We get your payments and don't apply it to your accts. The last thing Mr XXXX said to my wife today is the funds had to be misapplied! One check maybe but what are the odds of two checks being misapplied and what is taking so long to find it and apply it to the right account? Something, just isn't right here.MY WIFE WAS THE ONE IN THE ACCIDENT. I AM ON THE ROAD FOR WORK. SHE IS THE ONE WHO HAS BEEN HANDLING EVERYTHING, SO SHE IS THE ONE YOU WILL SPEAK TO IF NEED BE. HER NAME IS XXXX XXXX. THANK YOU
|
| 02/02/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XXXX XXXX XXXX I received a refrigerator that I had ordered from XXXX XXXX XXXX XXXX XXXX, PA. When received and placed in my kitchen the refrigerator had several scratches, dents and a screw drilled through the appliance. I refused the delivery, but the drivers spoke little to no English and still left the appliance ( I did not sign anything ). I immediately called the store and spoke to a woman who asked me to text her pictures of the damage. Once I sent her pictures, I had to follow up several times over a two-week window. My last follow up I was advised that a check was mailed to me for a 15 % discount. I stressed again as I had been that I don't want the fridge. The {$250.00} dollar discount does nothing for me, I do not want the fridge and at this point the {$250.00} barely covers the warranty I paid for that is now void because there is a screw drilled through the appliance directly into the product.
The first dispute with the credit card company XXXX I was told was not in my favor because I was offered a discount, which I never got or agreed to. My statement reflects no discount, and I never received a check. This discount does nothing for me, I want a functioning new fridge that I paid for and expected to get. After that dispute I was told to file another dispute, so I did. After I submitted the second dispute and paid a minimum due of {$77.00}, I started to get statements reflecting a negative balance, total credit limit of $ XXXX available credit {$10000.00}. The statement also reflected a previous balance of {$2100.00} and a credit/refund of {$2200.00}, balance- {$77.00}. Once I received this statement I called and spoke with a woman with XXXX who informed me that my statement is showing a negative balance because the dispute was found in my favor. Several months I continued to get a statement with a - {$77.00} balance up until now, now I have a statement for the full amount again of {$2000.00}. When I call XXXX I no one can tell me anything and instead I am referred to a XXXX immediately. I sat on hold for over 45 minutes while an associate tried to find notes as to why the dispute was in my favor previously but now, I am being charged again. All the associates could tell me is that the dispute was found in the merchant 's favor, but no details as to why or why it changed after several months.
How is XXXX in the right when they literally have done nothing to make this right? I rejected the delivery, and the damaged appliance was left. No one has tried to help me or return my calls- the company is nonresponsive. They even lied and said they sent me a check for a discount, never received even if I was willing to accept the discount.
Why is this credit card company not helping me? Why was it resolved and i was credited the purchase and then it was reapplied months later?
I need help resolving this, it is not fair that i am stuck with a damaged appliance when i paid for a new one. This refrigerator does me no good especially with a screw drilled through the appliance.
|
| 11/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
During the month of XX/XX/2018 I started seaching for a new house and was referred to TD bank by an employee I know. He specifically referred me to a loan officer. During the Month of XXXX I submitted an offer for the house I chose for $ XXXX which made qualify for a promotional rate of 4.5 % with 1/8 of a point, which I locked.
A week and a half after, the appraisal came at $ XXXX. Since the offer was contigent on appraisal, I offered the owner $ XXXX, which he accepted. The loan officer mentioned that he might not be able to keep the same rate and the rate would be higher. However, the following day he stated he got an excetion to keep the original rate in order not to have to re do everything. Following that, I received the lock rate agreement with the same rate 4.5 % with 1/8 of a point for the new amount to be financed ( $ XXXX ) based on the new sale price of $ XXXX.
During the month of XXXX, I received a new lock rate agreement for the $ XXXX with a higher rate of 4.875 with 3/8 of a point. I believed that was a mistake since the loan officer had stated he was able to get the original rate, so I did not sign it.
Closing had been set for XX/XX/2018. On XX/XX/XXXX I received the Closing Discloure draft and it had the higher rate ( 4.875 with 3/8 of a point ). I inmediately raised the discrepancy to the loan officer and he said that he had not send the initial lock rate and asked me who had And I forwarded the informatikn to him. He then replied that the person was out of office and that he would check the next day. On Friday he said that bank would not change anything as that was the rate ( which was not the one I had signed ). On monday, XX/XX/XXXX I contacted him and his manager to request an escalation of this issue. Closing date came ( XX/XX/XXXX ) and I did not hear any update from any of them, and was left with no option than to sign/ close under duress as I did not want to lose the house and risk any additional financial burden.
Two hours after closing, the loan officer called me and asked me if I would consider a rate change to 4.625 %. I replied via email stating that I did not think that was fair as it was a higher rate with 3/8 of a point which I paid at closing.
I was told that the team were reviwing the issue. It was not until Monday, XX/XX/XXXX when the loan officer emailed me claiming that since I had agreed verbally ( which is inaccurate ) and viewed the second lock rate ( which I did not approve as it was not what the officer had mentioned ) the bank will not proceed with any changes and would only refund the appraisal cost and underwritter fee. To me that is not a fair outcome and I had no option but to state that if that was the final outcome of the investigation I have no option but to accept it. I also mentioned I did not feel it was fair as I am sure the investigation revealed many gaps in their internal processes which created the confusion and instead resolving them they are taking the easy and unfair resolution which is to penalize the end user
|
| 03/02/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Can't close your account
|
|
Web |
Older American, Servicemember |
|
THIS IS NOT THE SAME REQUEST AS XXXX. This is NOT A DUPLICATE REQUEST. PLEASE READ IN ITS ENTIRETY to understand my complaint!!!
I made a one time payment using the Yard Card credit card for {$400.00}.
I immediately made a payment of {$400.00} and when I noticed that I owed an additional {$4.00} I sent a secondary payment of {$4.00}.
The YARD CARD refused to accept and post my payment of {$4.00} and for the past 12 months have continued to add interest charges and late fee charges instead of processing my payment for XXXX.
I have contacted Yard Card many times and requested them to process my payment of {$4.00} and investigate where my check for {$4.00} is located because it was never returned back to me so that means the company has the check AND THE CHECK WAS NEVER PROCESSED THROUGH MY BANK SO DO NOT SEND ME ANOTHER REPLY via CFPB AND ASK ME FOR A COPY OF A PROCESSED CHECK BECAUSE I TOLD YOU THE CHECK HAS NOT BEEN PROCESSED!!!!!
The check was never processed through my bank!!!
However, I mailed the payment to the same address that I mailed the {$400.00} payment to and it was received and processed through my bank.
On several occasions over the past year I have reached out to your company and made them aware of this and as opposed to them corresponding to me, I only would receive a bill in the mail and not have them address my specific concerns the last person that I spoke to was agent ID XXXX and his name is XXXX. LOOK UP ALL OF HIS CALLS RESEARCH XXXX XXXX ID AND THE DATE I GAVE YOU TO LISTEN TO THAT CALL ON XX/XX/2023. He advised that he would email me on XX/XX/2023 and process the payment of {$4.00} and remove all interest charges. XXXX XXXX never emailed me and my attempts to resolve this matter and pay the {$4.00} a second time has falling on deaf ears yard card is acting on unfair business practices as opposed to them addressing my concern and processing my {$4.00} payment. They are continuing to delay by not responding directly to me by email regarding my request so that interest charges can continue to accrue each month I have made 18 attempts to resolve this issue in a years time and instead of them responding back to me they are continuing to mail me a new statement with increasing interest charges monthly. I advise the yard card on XX/XX/2023 that if they did not respond back to me by email as they had promised and process the payment for {$4.00}. I will be contacting the CFPB. I spoke with XXXX on a recorded line and advised him that I would request the CFPB and his superiors to pull that phone call and listen in totality to our communications, he has yet to follow up with me by email as promised or by mail as of this date XX/XX/2023.
Please send this complaint to your executive team. Someone is replying to my CFPB complaints but not reading my complete report to understand what I am conveying and is giving me a form letter type response. I never said the second check was cashed so there is no way I could ever send you a copy of a processed check.
|
| 07/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
Older American |
|
During a business trip to XXXX, XXXX XX/XX/2022 I attempted to make a cash withdrawal at an ATM on one of the major streets in XXXX tourist area. I selected an international ATM ( one out of four ATMs ) and inserted my card into the machine and, usual order, was prompted to enter my password. After doing so nothing happened and I was given no further prompts. Assuming that something was wrong I pressed the cancel button several times but to no avail. My card was captured by the ATM. As I left the machine my TD Alerts started sending me messages ( see below ). I realized that the ATM machine had been manipulated and someone had my passcode and had been attempting to make withdraws. The first attempt of {$2100.00} was declined as it exceeded the available balance but unfortunately, they were successful with the two following withdrawals amounts ( {$120.00} and {$1000.00} ). Shortly after I received TD Banks automated text message asking if I approved a ( fourth ) withdrawl. At that time, I was able to stop the withdrawals. I immediately called your fraud center to report the incident and have my card canceled. By then it was obvious to me that the ATM machine had been tampered with and someone has inserted a reading device and I was subject to " skimming '' When back in the US, I called a TD Bank representative and formally reported the incident.
XX/XX/2022 I received a response from TD Bank " Disputes & Claims '' ( Subj, XXXX ) denying responsibility advising that " your chip card was in your possession, during an in person transaction ''. Some time thereafter, I went to a TD branch and advised them that this was not a relevant reply or reason as my card was not in my possession. It was caught in the ATM machine. The branch representative filed a new dispute on my behalf and asked me to return in a few weeks. After a month I called him and he advised it was declined again. I was given no reason and there was no possibility for the bank to talk to directly to the XXXX XXXX!
In early XXXX this year I decided to try to file a third ( and last ) claim. I received a reply XX/XX/XXXX, ( XXXX. XXXX ), again, denying my claim. The reason given was " XXXX was not utilized after you notified us to close the card ''. Obviously, this is not a relevant response as the culprits last attempt to withdraw funds was denied ( as I stopped the withdraws based on the text message received from TD Bank ) and it is highly likely that they discarded the card after the last attempt.
I feel I have exhausted my attempts to get the monies refunded. Nor am I able to talk directly to anyone in the fraud department and explain the situation. By the replies received, TD Bank does not fully understand how this happened ( as I have submitted written testimony, this would be unlikely ) or they are fabricating automated replies in order to exhaust me ( likely ).
I might add that I am a longtime customer with TD Bank.
I ask you kindly for your assistance in this matter.
Yours sincerely, XXXX XXXX XXXX
|
| 04/25/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Problem : Opening a Target credit card back in XXXX XXXX , XXXX in XXXX XXXX , CA to take advantage of a promotion to save 5 % on that day 's purchase. The cashier offered the 5 % savings if I applied for the card, so I did. I filled out the fast credit brochure and put my address in XXXX XXXX . The cashier mentioned that I would be getting my target card on the mail in a matter of weeks. So I qualified, and ended up using my own VISA debit card to pay for the purchase. Now, what target did is let XXXX use my own VISA card to pay but in reality what they did is used my new target credit card to pay for the total amount of {$32.00} on that XXXX XXXX ( XXXX ) day. I was waiting for the card for weeks but it never came. So, I decided it was best not to get involved with another card. During my monthly budget overview I must have not paid too much attention to that purchased as it was XXXX and a busy month. To my understanding since I paid using my own VISA card I was very unaware that Target had charged me using that card. On XXXX XXXX , XXXX I got a call from a collector from Target demanding that I pay an amount. This was a total surprised to me and I had no idea what she was asking me to pay. I ended speaking to Target 's complaint department, customer service and the dispute department and filled a claim after I explained to them that I never received a bill from target for the amount I owed and to this day XXXX do n't even know the credit card number because I never was mailed one. They did n't care, the collectors only wanted me to pay after making me feel really bad and called me a liar many times. 8 days after the conversation with the Dispute department I got a later from Target telling me that I had put the incorrect address and that was it. After waiting 2 hours, 2 hours on XXXX / XXXX / XXXX to speak to someone in the dispute department I tried explaining my problem and that I was willing to pay the amount that was charged ( {$32.00} ) on the card initially but that the fees now amounting {$110.00} were very unfair. When I asked what address they had on file they told me it was my old address in XXXX , CA where I lived 5 years ago. I asked how would they have that address the lady mentioned, " we got it through public records ''. So, at that point I knew that I had not filled the incorrect address because I opened the card at the XXXX XXXX Target, I live in XXXX XXXX , CA and to this date I would n't have remembered the apartment number where I lived 5 years ago. This is a very illegal charge and I need to get resolution and stop the harassing calls. I am willing to pay the amount that was charge that day on XXXX / XXXX / XXXX but the fees are unfair. I never got a bill from target to pay anything. I had no clue that the amount was charged on the card. They took advantage of the XXXX holiday to bill me without telling me and then when the fees amounted to an amount they want to collect they contacted me.
|
| 12/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On XX/XX/XXXX I sent Billing Error Notice to TD Finance Company. The noticed informed the following. As of to date TD Auto Finance has failed to respond to fraud committed in this agreement.
Notice of Billing Error To : TD Auto Finance Re : Fraudulent contract via XXXX Loan/Account # XXXX The referenced account is an agreement, not a contract. Based on the consumer protection laws and your lack of complete disclosure I rescind the entire transaction due to fraud.
I am not liable for the debt. I want my money back. I want to cancel the agreement.
We entered into an agreement not contract with TD Auto Finance. The agreement is in violation of Truth in Lending Act Regulation Z which included a finance charge. Finance charge is on money given and not credit transactions. TD Auto Finance committed predatory lending in a consumer transaction under Regulation Z.
The Rescission notice is made Pursuant to 15 U.S code 1635 ( a ), as I was never told I had 3 days to rescind the agreement. Neither was I given the notice that comes along with all consumer credit transactions. Furthermore, TD Auto Finance failed to clearly & conspicuously disclose all of my rights as a consumer including but not limited to my rights of rescission.
XXXX of XXXX XXXX on behalf of TD Auto Finance accepted a CASH down payment violating 15 U.S. code 1605 which clearly states the finance charge does not include charges of a type payable in a comparable cash transaction. XXXX XXXX XXXX has intentionally withheld pertinent information to complete the sale with the purchase of our XXXX XXXX XXXX XXXX. There are many fees within this finance charge that are in violation of 15 USC 1605.
I, XXXX XXXX participated in a consumer credit transaction and not a loan pursuant to 15 U.S. code 1602 ( i ) Take further notice that pursuant to 15 U.S. code 1605 the finance charge is in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law.
I did not enter KNOWINGLY, VOLUNTARILY, AND INTENTIALLY. I do not accept the liability of any compelled benefit or lack thereof, or any unrevealed contact or commercial agreement. I have a right to sue you under the Common Law for violating my rights under the UCC. I did not sign any contract where I received COMPLETE DISCLOSURE AND EQUAL CONSIDERATION. If I did, it was UNKNOWINGLY, INVOLUNTARIY AND UNINTENTIONAL. Cease and desist all collection activities and have all consumer reporting agencies delete this account from their reports. If you do not remove this information, your company will be committing fraud, not preserving my rights, and will be fined {$5000.00} : CONSUMER PROTECTION LAWS Equal Credit Opportunity Act / Truth in Lending Act Regulation Z Fair Credit Reporting Act / 15 USC 1611 - False & Inaccurate information Fair Debt Collections Practice Act / 15 USC 1692 - Debt collection practices CFPB 1026.23 Right of Rescission ( cancellation )
|
| 12/20/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I have been using TD Bank for a few years. I have found that in recent months the quality of service has declined dramatically.
1. I had a debit card purchase and deposit on the same day just a few hours apart and TD processed the DEBIT before the CREDIT of the deposit. This is something new that I have not experienced before. Typically in the past all credits to the account have been processed first and then the debit transactions have been processed. When I inquired about this with the TD call center I was berated by the associate. She stated that I should have known that debits would be taken before credits to the account no matter if they are processed in the same day or not. She then said that she would be putting notation on my account that I was informed of this policy and that I could not use this excuse when calling the customer care line in the future. Of course, no one wants to have a fee assessed to their account but from time to time it just works out that I do have overdrafts on this account and I willingly pay the fees and never dispute them because this is a cost I am willing to pay to have all items clear the account, and I may make deposits on the account once transactions clear. In this case I was shocked to be assessed this fee and simply wanted information. The associate did remove the fee but only after scolding me and stating " You should have known, and now you do ; next time you will need to pay the fee. '' 2. I was recently in a branch XXXX XXXX XXXX XXXX XXXX and the teller was extremely unhelpful. I needed a bank issued check for a large purchase. The teller did not inform me of the cost of the banking item and when I filled out the withdrawal slip to have the check drawn from my account she yelled at me that there was a fee and I needed to add that fee into the withdrawal amount. After redoing the paperwork for the process I asked to speak to a supervisor in order to get more information about my account and the transaction I was processing. I mentioned that I was not happy that I was treated with such disrespect and that fees were not clearly stated by employees. XXXX can not assume that the consumer is aware of this type of fee as its not something that a common consumer needs frequently ( I do all banking online and at ATMs. ) The supervisor stated that is just the way the structure of TD Bank is set up and that the teller was having a bad day and that I could have looked up all this information online. He said, " sorry, but you have to excuse her she 's going through a rough time, here is your check, did you want anything else. '' I was pretty taken aback even in New York XXXX where customer service is typically quite raw, this was just terrible. I went home and researched the banking product fees and was not too happy to find that the TD Bank employees could have suggested several different products costing less and achieving the same result as the Bank Check. Poor customer service, sad that they are not honest about consumer options.
|
| 06/03/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Concern regarding location to send payments for XXXX Cashback XXXX Signature Credit Card. - X/XX/2017 : XXXX Cashback XXXX Signature credit card statement made available. Indicates my payment ( {$74.00} ) is due on XXXX XXXX 2017. The statement provides two addresses for XXXX : CREDIT CARD SERVICING, XXXX XXXX XXXX, XXXX, GA XXXX and CREDIT CARD SERVICING, XXXX XXXX XXXX, XXXX, ME XXXX. The statement does not indicate to which address the payment should be made. The statement references the GA address a number of times for billing inquiries and concerns. - X/XX/2017 : Scheduled payment ( paper check mailed ) from my checking account to pay the Ally Cashback XXXX Signature statement ( the total balance, {$74.00} ). My checking account mails the check in advance so that it arrives to the designated office on the scheduled date ( X/XX/17 ). - X/XX/2017 : {$25.00} late payment fee charged to my XXXX Cashback account. - X/XX/2017 : {$0.00} interest charge fee and {$1.00} interest charge-purchases charged to my XXXX Cashback account. - X/XX/2017 : Payment ( {$130.00} ) received by XXXX Cashback and credited to the account. - X/XX/2017 : Contacted bank with checking account and found out that my payment was being sent to the wrong XXXX Cashback address. I was having payment sent to the GA address, and it should be sent to the ME address ( this was found out over the phone between my bank account representative, me and the XXXX Cashback representative ). I sent a message to XXXX Cashback to explain the error, and that it is unclear on their billing statements which office the payments should be sent to. They marked my message as 'completed ' and added the memo 'We have waived the fee as a one-time courtesy because of your good customer standing. ' - The following account changes were made after X/XX/2017 but dated for their original charge date on my account : -- X/XX/2017 : late payment fee credit of {$25.00} -- X/XX/2017 : purchase interest credit of {$0.00} - X/XX/2017 : messaged XXXX Cashback because still did not receive the {$1.00} credit for the interest charge-purchases. Also mentioned that I would be happy to bring this to the attention of CFPB. Message was marked 'completed ', however no action was taken with my account and no credit was issued. - X/XX/2017 : sent a follow-up message to XXXX Cashback because never received the {$1.00} credit for the interest charge-purchases. Message was marked 'completed '. - X/XX/2017 : {$1.00} interest charge-purchases was credited to my XXXX Cashback account. The " one-time courtesy '' to credit the fees and interest was appreciated, but, as of my X/XX/17 statement, XXXX Cashback has not made any updates to their billing statements as to where the payments should be made. I imagine this ambiguity has negatively affected other XXXX Cashback customers. Also, the follow-up necessary to get all of the refund credits for the original error is unacceptable. Thank you for your time and attention.
|
| 02/25/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
Dear Sirs ; Madame, I would like to file a complaint against TDBank, N.A. for falsifying my credit card account summary.
Today I am greeting you with sincerity and calm. I am a long time customer of The TDBank N.A., system. I am not a big saver, barely on the fringes and particularly at this time. Recently I inquired into my credit account which is displayed with my checking account, on the same page. It is convenient and innovative to put both account summaries on the same page so I can read what is going on simultaneously. I 've always abided by what I was reading.
One day while trying to use my credit card, I was declined. I could n't understand why, since I make payments by the auto payments system connected to the accounts. It occurred to me that I am constantly being charged a late fee. It also occurred to me that I am always showing a zero balance due every month. I was always assuming the auto payment system had already deducted the amount posted. I was wrong, since one day when I tried to use my credit I found that I had barely paid the amount owed that month. I was alittle confused but paid the amount requested, {$2.00}. How could I have not known that I was underpaying on my credit account when the statement summary always showed XXXX balance due? Then one day I called. Here is how the conversation went.
Hello, my name is XXXX, account # XXXX. I am on the TDBank website right now looking at my accounts, checking and credit. Could you tell me why I am looking at a zero balance due on my credit card statement when I know it is due, and while I am paying two auto payments twice monthly in the amount of {$35.00}, yet according to you I need to pay {$82.00} this month? Sure, Customer Service said, here is what is going on. Your account is not showing the true accurate amount. What? I said. I am looking at the page right now, how is it not showing me the true accurate amount owed?. Well, Customer Service said, what you are looking at, and I quote, is an assumption of what you owe. If you want to know what you actually owe and what your true account statement reads you need to log onto, and with that she proceeds to provide me a whole other website with a whole other registration. So, you mean to tell me that for all these years I 've had this account, this has not been showing me the accurate truth of my statements? Yes, she said. You will need to log onto the the website I provided.
I do not know how much money I 've paid in late fees because I am going by what TDBank, N.A. provides as a viable true summary of my accounts and statements. I can not afford to pay a late fee, I can not afford to pay more when I was under the assumption I was paying the amount required. I would like you to go back into my credit account, look back at how long I have been paying late fees, and put back into my checking account the money that I paid in late fees while reading an inaccurate balance due because of your falsified summary of statements.
Sincerely, XXXX XXXX XXXX
|
| 08/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I purchased a new XXXX XXXX treadmill on XX/XX/XXXX, via the XXXX website for {$4400.00} ; it was delivered on XX/XX/XXXX. TD Bank was the lending company that financed the purchase through an installment plan.
Within less than a year of normal use, the first treadmill literally snapped in half on both sides of the metal base frame with significant rust throughout. I filed a Consumer Product Safety Commission report, contacted XXXX for a replacement, and contacted TD bank. I continued to make payments diligently in spite of that.
Consumer Product Safety Commission Report on Treadmill 1 : XXXX : XXXX? XXXX I received a new second XXXX XXXXXXXX in XXXX of XXXX. After only seven months, the treadmill experienced severe malfunctions such as stopping while I was running and lowering to its lowest possible state randomly without user input. Then, its base metal frame cracked in the same exact spots as well with similar rust. I reported this numerous times with photos and video to XXXX and TD Bank.
I asked for a full refund from TD Bank due to the significance of the repeated safety hazard and XXXX 's non-responsiveness. Twice, TD bank has ruled in favor of the merchant even though acknowledging " defective merchandise, '' and TD Bank simply informed me to continue payments. No one from any supervisory level at either TD Bank or XXXX has contacted me ; in fact, no one from XXXX has reached out to me at all to ask about my personal safety, this obvious safety hazard, or to alert me to stop using the treadmill ( which obviously is inoperable ).
Consumer Product Safety Commission Report on Treadmill 2 : XXXX : XXXX? XXXX On Wednesday, XX/XX/XXXX, the Consumer Product Safety Commission XXXX XXXX XXXX XXXX XXXX and Technician to my home to examine the treadmill. Both acknowledged immediately the significance of the safety hazard, the cracked frame, and the rust in the metal. They were obviously surprised that I hadn't received a full refund from TD Bank and no one from XXXX had reached out to me directly. Both clearly understood the larger consumer safety concern and that the treadmill posed a significant safety risk and was inoperable.
While the case with the Consumer Product Safety Commission is ongoing, my request for a full refund from TD Bank has not been resolved. I can not understand a lending bank telling a customer ( who continued to pay in monthly installments in spite of all this! ) to resume payment on a treadmill that is clearly inoperable, deemed a significant safety hazard by the Consumer Product Safety Commission, and is the second such unit to experience the same issues within a year and a half.
This is either gross negligence on TD Bank 's part or some type of collusion with XXXX to ensure continued payment in spite of me immediately alerting TD Bank ( the lender ) of these significant safety hazards. I have asked repeatedly to be referred to a TD Bank supervisor to no avail.
I want a full refund. Please contact TD Bank and look into this matter.
|
| 06/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/XXXX, I was using my TD Credit Card at the XXXX XXXX in XXXX NH when it declined. I immediately called TD Card Services ( @ XXXX ) and first learned of suspicious activity on this card that occurred on XX/XX/XXXX and learned TD Card Services closed my account due to it. I was asked if I made two identical purchases through XXXX on XX/XX/XXXX ( each charge was {$450.00} ) and another purchase that same day, all of which I did not make nor did I authorize, which is exactly what I told the TD Card Services representative. I was told not to worry, the account was closed, it would get investigated and they would send out a new card. On XX/XX/XXXX TD Card Services re-applied one charge to my credit card in the amount of {$450.00} from XXXX. A supervisor at TD Card Services DisputesCenter said they ruled in favor of XXXX because the tracking number did in fact show the package was delivered in or at my mailbox and the IP Address ( XXXX ) came from my town of XXXX NH. The supervisor gave me the tracking number ( XXXX ), the XXXX order number ( XXXX ), the IP Address and the item purchased, a stand-up desk with dual motors XXXX I went to my local USPS and asked for a print out of this package using the above tracking number. I was told the weight of this package was only 0.5 ounces ( the size of a letter ) and was put in my mailbox, assumingly as junk mail. This package originated from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX California XXXX, which belongs to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the shipping partner is XXXX XXXX. Not to mention, USPS ships smaller handheld packages and they have strict weight and size restrictions. Although I can not find any info on the desk listed in the papers sent to me from the TD Card Services Investigation Department, I think I can assume it would be too big for the USPS to even ship. I then called XXXX and asked about order # XXXX and a supervisor informed me they never use letters in their orders. In reviewing the papers sent to me by TD Card Services Investigation Dept, " The Merchant '' listed is XXXX XXXX. When I XXXX XXXX XXXX the first reported fraud case was XX/XX/XXXX, and there have been several that followed. It is not at all a merchant. As for the IP address, it is not mine, I have no idea who it belongs to and I have no association at all with it. I did file a police report with the XXXX XXXX and submitted all this info to the FBI. This has so many red flags and I feel it was never investigated. I have faxed, mailed, and made several phone calls with this info to TD Card Services Disputes Center but I am getting nowhere. I visited 2 XXXX TD Bank locations and spoke to customer service and still got nowhere. Enclosed you will find 2 different tracking reports from the USPS, 4 pages from TD Card Services Investigation dept., a police report, and fraud info on XXXX XXXX. I would like to mention this card was and always has been in my possession only.
Thank you for your time in this matter.
Sincerely, XXXX XXXX
|
| 01/22/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
As I was successfully rebuilding my Credit with help from XXXX, about XX/XX/XXXX, all of a Sudden I was advised that my Credit & Credit Score sustained a Damaging hit from XXXX for SLASHING my Credit limit by 2/3.
I called XXXX inquiring about their SUDDEN and DAMAGING action, but was rebuffed by XXXX illogical and arbitrary reasoning.
XXXX ) They contended that they took such action as a result of their periodical review and XXXX reporting. Here, I implored them to reconsider such damaging action especially when it BETRAYED their recent logic of periodical review because XXXX conducted such periodical reviews over the past years and ESPECIALLY AT THE HEIGHT OF FRAUD COMMITTED AGAINST ME/POOR CREDIT SCORE, and XXXX ALL ALONG MAINTAINED MY CREDIT LIMIT UNTOUCHED. BUT, NOW While my Credit/Credit Score is soaring XXXX ARBITRARILY elected to Sabotage my efforts with their conflicting reasonings as to why.
XXXX ) Repeated calls were made to XXXX, but to no avail, FOR EVERY TIME I CALLED, I was offered a contradicting and conflicting reasoning, depending on the day and mood of the person I happened to be discussing my situation with.
XXXX ) A XXXX Supervisor in California, sought to justify their drastic action due to the XXXX pandemic. While another Supervisor in Colorado, dismissed the one in California and contradicted his statement. And it went on and and on ....
4 ) At last I thought I had connected to a reasonable Manager and after explaining my dilemma to her, she claimed to have UNDERSTOOD my situation and PROMISED TO REVIEW MY ACCOUNT AND CORRECT such damaging measure. In particular when a XXXX Supervisors said well, because you have not used your credit limit as a reason for slashing my Credit Limit.
5 ) AS I was going back and forth with XXXX, I suddenly NOTICED on my Credit Report as having been REPORTED as LATE ON ONE PAYMENT, XX/XX/XXXX. So, I disputed such ERROR, and XXXX admittedly told me YES, YOUR BILL WAS RETURNED TO US ... IT HAD BEEN SENT TO THE WRONG ADDRESS.
XXXX ) Yes, XXXX admittedly sent it to the WRONG ADDRESS, but once I discovered such error while shopping at their Store in Washington, DC. THEIR Store Manager, XXXX, assured me of no problems and put me on the phone with XXXX, where the Lady Rep. assured me ( without asking ) that it would not affect my Credit because they dont report to anyone ... .it is our internal corporate bank and extended her apologies for the WRONG MAILING.
XXXX ) ODDLY ENOUGH NOW, as I escalated my inquiries about their mishandling and ERRONEOUS REPORTING, so did XXXX REPS. ESCALATE THEIR FALSE ASSERTIONS. thus, they began ALLEGING that I was late not only once but THREE TIMES MORE AND ON AND ON.
XXXX XXXX XXXX Reps. Advised me that they sold their Financial/Bank to XXXX XXXX and TD BANK among others.
HENCE, I seek your help to straighten this spiraling and damaging matter with this UNREASONABLE outfit XXXX.
Rgards, XXXX XXXX XXXX Wisconsin XXXX XXXX. # XXXX Washington, DC XXXX XXXX : XXXX XXXX XXXX XXXX
|
| 10/08/2023 |
Yes |
- Credit card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I consolidated all my credit debt at the end of 2022. My bank paid off the remaining balance to TD BANK, who held my XXXX XXXX account. TD BANK then canceled my automatic payments without notifying me in any form. They then allowed XXXX to continue charging a XXXX XXXX monthly insurance charge. They NEVER notified me that they canceled my auto payment, so when I received a statement each month I assumed it was taken care of, by the system that I had set up ahead of time. After being royally screwed over by this credit company, I understand that I should have been more proactive in making sure the auto payment processed, but I find it completely unethical, crooked, shady, that they can cancel my automatic payments without notifying me. I have had Auto payments set on everything for years. This missed payment is NOT my fault, bc if the credit company had notifed me that they CANCELED MY AUTO PAY, I would have made sure to make the payments myself. Not only that, but when another account of mine slipped to just 30 days late due to recent financial hardships brought on by this credit crisis, that creditor called me, texted me and emailed me immediately. TD BANK did not even try to get in contact with me. They did this very much on purpose. I had enough money, the credit card company just didn't do a very good job on their end to collect it. In fact, they literally prevented themselves from collecting it by canceling payments. it was done intentionally, like retaliation, to try to collect interest bc I paid off the account EARLY. I know XXXX XXXX and XXXX did similar to their customers. I believe that is what TD BANK did to me, something shady and unethical. After my debt consolidation, my credit score was XXXX. After TD BANK canceled my auto pay, it dropped to XXXX. It's been 10 months since TD BANK RUINED MY LIFE, and my credit score is only back to XXXX. I worked hard my entire adult life to build a good credit score, my mother always told me I would never be good with money and I'd probably have horrible credit, so I did it to spite her. This is completely unfair and has severely negatively impacted my life. I can't even afford to finance a car because of how high interest rates are for my credit score. I've been rejected for a school loan because of the one missed payment from XXXX. Everything I need to do in my life to get out of this horrible personal situation I'm in, has been halted because of this one failure to communicate from TD BANK. ive spent the last 10 months trying to dispute it with them and get a 'GOOD FAITH ' removal, but they just keep saying the information is valid and are being real jerks. I try to call and their system hangs up. I email, and it takes a long time to get the same stonewall response. This isn't right. And it's not fair, and I don't deserve this black mark. Hopefully someone here can help me, but at the very least, if you have the option to NOT finance or not do anything with TD BANK, don't do it, choose another lender.
|
| 09/25/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
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I had a commercial / business account with TD bank at XXXX XXXX XXXX, XXXX, NY XXXX for almost 10 years. I had a break in at my office in XX/XX/2018 and had to change the account details to avoid fraud. I was not made aware at the time, but this change meant my account was subject to new regulations Today, XX/XX/XXXX, I discovered my account was closed and close to {$12000.00} was " missing ''. I thought it was fraud and went to a local branch. Instead, I was told that I had not filled out a form that was required and so TD bank closed the account. They seemed unsure where my money was!
The more I dug into this, the more I determined that TD Bank had not acted responsibly and it was their fault.
The new form that I was required to fill out existed when I opened this account. The new form began XX/XX/2018 and I opened the account XX/XX/2018. They could have asked me to fill out the form the same day, but failed to do so This is per a supervisor named XXXX. XXXX also said the person who opened the account for me left a week after they opened my account and the local branch had a lot of problems because they had not done their job. To which I pointed out that a TD employee failing to do their job had nothing to do with me and I should not be penalized They had FIVE MONTHS to ask me to fill out this form. They could not explain why five months went by without asking me fill out the form but suddenly my account was closed due to it not being filled out?
They stated that XXXX XXXX had contacted me regarding this form. I let them know the following First, XXXX XXXX had called me on a Tuesday. She did NOT state the nature of the matter, just left a message. I called back, she was " on the other line '' and I asked the person who answered to have her call me back The call was not returned the same day. It was returned on a Friday. XXXX XXXX did not indicate it was an urgent manner. She in fact stated she could mail me the form, but I said she could send it by email. She sent it on a Friday afternoon.
Having left the office due to a family emergency, I did not receive the email until Monday morning. It was followed by a call from XXXX XXXX. I told her ( 1 ) that I had received it, ( 2 ) that I was dealing with a family situation and was about to get it done and ( 3 ) that as soon as possible I would fill it out By my guesstimation, they closed the account within an hour of that conversation Bank managers at XXXX XXXX have thus far not returned my calls. XXXX tried to walk back what he had told me ; 1. That their employee failed to have me fill out the form when the account was opened 2. That they had not in a timely manner reached out to me to get the form signed and 3. That despite the supposed urgent nature of this form, why XXXX XXXX waited FOUR DAYS to return my call.
I can not pay my rent, I can not pay my employee, I have no idea where my money is and finally they have the nerve to charge me an overdraft fee when a regularly scheduled item came in
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| 01/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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TD Bank hereinafter called " alleged lender '' claims that they lent their money to me. Alleged lender claimed to me that the alleged lender would charge interest as compensation for lending me the alleged lender 's money. Financial institution 's CPA audit opinions claim that financial institutions involved in issuing alleged loans or loans follow Generally Accepted Accounting Principles, GAAP. There is a dispute regarding who loaned what to whom regarding the alleged loan. The alleged lender claims that they lent me their money. The alleged lender claims that the alleged lender has loan papers with the affiant 's name on it as evidence of a debt. The bookkeeping entries show the opposite and that the affiant was the lender and that the alleged lender was the borrower : According to GAAP, this is what happened : the alleged lender and financial institution involved in the alleged loan never lent XXXX cent to the affiant as adequate consideration to purchase the affiant 's promissory note. The affiant first became the lender to the alleged lender and the alleged lender was the borrower. According to GAAP, the bank recorded the promissory note as a bank asset offset by a bank liability. The promissory note was recorded as a bank asset in exchange for credits in the affiant 's transaction account or to give value to a check or similar instrument. The matching principle in GAAP requires that there be a matching liability offsetting the promissory note recorded as an asset and that the liability shows that the bank/alleged lender owes the alleged borrower money for the promissory note that was lent to the bank or alleged lender. The promissory note was deposited in a similar manner as cash is deposited into a checking account. Depositing cash or a promissory note into a checking account or a transaction account is the same or similar to loaning the alleged lender the cash or promissory note. According to GAAP, the promissory note was deposited as a bank asset offset by a bank liability with the bank liability showing that the alleged lender owed the affiant money for the promissory note that was received from the affiant and deposited. When the bank deposited the promissory note and credited the affiant 's transaction account, the alleged lender, the one who claims they own the promissory note, recorded a loan from the affiant to the alleged lender, making the affiant the lender and the alleged lender the borrower. The alleged lender returned the equivalent in equal value of the loan to XXXX XXXX, the lender per GAAP. When the money was repaid to XXXX XXXX, the true lender per GAAP, XXXX XXXX and ignored the bookkeeping entries which proved the money trail of who lent what to whom. The alleged lender claims to be the lender using a promissory note to claim they lent money to the affiant but GAAP shows that the opposite happened. The alleged lender did the opposite of what the affiant, XXXX XXXX understood and believed was to happen, creating an XXXX XXXX
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| 10/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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XXXX - applied for credit card advertising 25k bonus miles to the XXXX Reward Program upon completion of $ 1k spend within 3 months of being approved for a TD bank credit card.
XXXX - within the first month I satisfied the spend requirement and the TD card statement reflected that I now had the bonus ( and the spend ) miles listed ( this is separate from actually having XXXX reflect the miles ).
XXXX - I was granted XXXX bonus miles that were supposed to then be applied to the XXXX Account Number ( XXXX ) I had provided when the card was originally applied for XXXX - after the 'waiting period ' and still not seeing the miles credited to the XXXX, I called XXXX. They advised they had not received the miles from the credit card yet and that there was no glitch from their side. I then called TD Bank and explained the issue. They advised the miles should have already posted ( as it was past the 5 week waiting period since the miles were credited ). The supervisor told me the miles would reflect to the XXXX within 5 business days. They confirmed that the XXXX they had was correct. My calls with TD are all recorded so they can review and verify my statements.
XXXX - I called TD a few weeks later. The XXXX was still not reflecting the credited miles. This time the supervisor advised it was a system glitch at their end and they would put in a request to get this corrected. They had no answer as to why the FIRST supervisor gave me false information. They confirmed again, that I had the correct XXXX, even though I told them a few times all those initial checks had already been performed. I asked if XXXX could send me a letter confirming my conversation with them. They advised they do not do so.
XXXX-beginning - I called TD again since the miles were still not posted to the XXXX. I was given the same answer as in XXXX, except with a little more run-around on the phone. They said they would call me within a week to advise when the problem was corrected. I did not receive a call back. The accuracy of the XXXX was checked yet again and confirmed that it was correct. I asked for an extra XXXX miles to be added because of all the work, time, effort and aggravation I have experienced through this process. The supervisor said it would be submitted as a customer request. I asked for a transcript or a letter stating their proposed resolution in writing, but they advised it would not be given.
XXXX-end - I called TD again. Another supervisor at TD confirmed all the above notes and said they had 'escalated ' the problem and someone would call me back in the next few days to confirm that the miles had been credited and the glitch ( system issue, apparently ) had been fixed. I asked for an extra XXXX miles to be added because of all the work, time, effort and aggravation I have experienced through this process. The supervisor said it couldn't be promised but it would be requested. To date, I have received neither the call back nor the miles credited to my XXXX.
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| 01/10/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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I was instructed that, in order to remove my name from a joint mortgage, to get a quitclaim deed. Then the mortgage holder would be required, as per the Garn-St. Germain Act of XXXX and the Dodd-Frank Wall Street Reform and Consumer Protection Act, to remove my name from the mortgage. TD Bank, the mortgage holder has refused to do this. My landlord is selling and I must leave my current rental unit this summer ( XX/XX/XXXX ). I can buy a house for lower monthly payments than renting. But TD Bank wo n't take my name off the mortgage. Below is a detailed description : My husband and I have been legally separated for almost XXXX XXXX XXXX XXXX years : My husband lives in the house and pays the mortgage. In approximately XX/XX/XXXX, he fell behind in the mortgage payments. So, TD Bank gave us a loan modification, making it a 40-year mortgage. The monthly payments were lowered significantly so my husband could afford the payments.
Over XX/XX/XXXX, I have been trying to have my name removed from that mortgage. My name was removed from the deed. I called TD Bank and was instructed to fax the quitclaim to them. On XX/XX/XXXX, I faxed the quitclaim from my local TD Bank branch to the mortgage department. I waited, but never heard from them. When I called them, they said they never received the fax. I faxed the quitclaim again on XX/XX/XXXX from my local XXXX store. I waited a few days and called them on XX/XX/XXXX. They said they never received that fax either. I inquired further about having my name removed from the mortgage. I was repeatedly told that the only way to have my name removed from the mortgage was by death or by refinancing. I told them that the Garn-St. Germaine Act/Dodd-Frank Wall Street Reform and Consumer Protection Act says that if I do a quitclaim, they must remove my name from that mortgage without refinancing. They insisted that that was not the case. From speaking to numerous people in the mortgage loan department at TD Bank, I learned that if my husband refinances, that TD Bank no longer offers 40-year mortgages. He will have to refinance doing a 30-year mortgage. He can not afford the payments on a 30-year mortgage. So he can not refinance. So we are stuck in a 40-year mortgage. This is VERY unfair.
I made my final call to TD Bank on XX/XX/XXXX, asking to speak to a special loans supervisor in the office of the president of TD Bank. I was referred to a supervisor named XXXX XXXX, who refused to let me talk to anyone higher than he. I went over everything with him that I wrote above just for the record. He verified all of the above. I said that I was now going to have to report TD Bank to the Consumer Finance Protection Bureau and that I was now going to have to contact my Senator ( which I am about to do ). XXXX XXXX finally said he would take my name and number, which I gave him, and would have his supervisor call me back. She never called me back.
Can you help me get my name off the joint mortgage as per the laws stated above?
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| 12/09/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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I purchased a XXXX cell phone directly from XXXX.
As part of this transaction I did a trade in of my old phone for a new device and financed the remaining balance thru XXXX. XXXX used a " Bank '' reported as " TD RETAIL CARD SERVICES '' that offered XXXX month XXXX interest financing. For some unknown reason it took some time for XXXX to process the complete transaction perhaps due to availability of the device. Once I received the device I was required to send my old phone back to XXXX, which was done. It took a little more time for them to process the credit for this trade in but I was eventually informed that my trade was accepted and that I would be getting billed for the remaining amount via XXXX mailed invoice.
After XXXX I had not received a bill for the remaining balance.
I was not concerned however because the entire process had been delayed many times so I figured there was a delay on the billing of this portion as well.
After XXXX days I saw a late payment report had been reported against my credit score.
Some after I received a collections letter from TD Retail Card Services informing me that my account is past due and they wanted payment including a late fee.
I attempted to contact " TD Retail Card Services '' to dispute the late fee and credit statement at the number provided on the collections statement. However this company offers no way to dispute any charges they only accept payments via the " Customer Service '' contact numbers. They have an automated system that only accepts payments.
I did find a way around the automated system to speak with an actual individual but was told that there was nothing they could do to help me they only accept payments. AS A POLICY THEY DO NOT MAKE ADJUSTMENTS TO ACCOUNTS FOR ANY REASON.
The only recourse available is to print out and mail a dispute form and also contact the Credit Reporting Companies to dispute with them directly.
I attempted to contact XXXX who indicated that they could no longer help me, I must work out the problem with " TD Retail Card Services ''.
To prevent further damage to my credit I went on to the website of " TD Retail Card Services '' and submitted payment in full for the outstanding balance as well as the applied late fee. Terrible time to have to shell out nearly {$800.00} unexpectedly. XXXX XXXX!!!
Another concerning thing about this finance company is that they will only take payments directly from your checking account, they will not allow you to use any other payment method. I use my credit cards as a buffer to prevent fraudulent transactions from withdrawing directly from my primary checking account.
" TD Retail Card Services '' refuses all other forms of payment.
I refuse to do business with this company ever again and also XXXX for giving me over to these abusive lending predators. They are obviously making most of their profit on late fees and taking advantage of people who do not have the means to cover such an expensive device.
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| 06/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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XXXX XXXX XXXX Dispute XX/XX/XXXX Report - XXXX Ive paid my TD Bank mortgage ( including tax and home owners statement ) on-time and sometimes early for years. On at least four ( 4 ) occasions in the last year, a TD bank teller or someone in the TD bank central office incorrectly entered my mortgage payment in an incorrect account ( I also have a home equity and checking account at this branch ).
On each occasion, when I received my next statement showing the issue, I met with one of the bank managers at my branch office ( TD Bank, XXXX XXXX XXXX, XXXX, NJ, XXXX ) and he addressed the problem by calling the TD bank central office and correcting the error. I have notes and names of three of these people if this is needed to investigate this problem.
The most recent repeat of these errors was in XXXX, XXXX. On XX/XX/XXXX, I met with one TD bank manager, XXXX XXXX, who spent a half hour on the phone with TD bank central office, concluding that the problem was resolved. However, my next TD bank statement on XX/XX/XXXX did not show the resolution. I called the TD bank central office on XX/XX/XXXX and was eventually connected with a representative ( XXXX XXXX who spent the next hour on the phone with me without any resolution of my problem. XXXX did not appear to be very competent ( i.e., he could not find records of this or previous disputes on his computer and he indicated that some other department would need to become involved ). Apparently, there was never any follow up on my problem by the anyone else since I was never contacted by the TD bank central office after that frustrating, long phone call.
Lacking useful customer service by the TD bank central office, I met again with one of the local TD bank managers at my branch office on XX/XX/XXXX, this time with XXXX XXXX, who also spent a half hour on the phone with TD bank central office trying to correct the problem. He requested material from the home office to resolve the problem but added that the problem should be taken care of by the TD bank central office shortly. Yesterday ( XX/XX/XXXX ) I stopped at the bank and spoke with XXXX, adding that I received bank records from TD bank central office. He told me that they had not sent the information to him as requested and told me that he would follow up on why this oversight occurred by TD bank central office and why the problem was still not resolved.
Apparently, the TD bank central office has incorrectly reported my mortgage account as unpaid and, as a result, my credit score has dropped XXXX points from XXXX to XXXX. I place great pride in having a near perfect credit score and having it diminished by the sloppy, incorrect accounting of the main office of TD Bank is frustrating, annoying, and extraordinarily time-consuming. I want this dispute to be corrected and my TD bank account removed from my credit score evaluation. If TD bank central office cant keep my records straight, I dont want my credit score to reflect their errors.
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| 08/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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This is a copy to the letter I sent to the bank last week.
Dear XXXX XXXX, I understand you are the General Counsel and SVP TD Bank U.S. TDBNA.
I wanted to make you aware of several conversions I have had over the past XXXX to 9 months with your customer service team regarding charges to my escrow account and charges for Force Placed insurance on loan number XXXX. This was a single close construction loan in the state of FL and has converted to a standard 30 year mortgage. I am sure your CS team will have all the telephone recordings as well as the noted in your files.
I receive a call from someone senior at the bank a few weeks ago who finally understood the issue and the fact that the required notices under CPFB 1024.37 was not provided in a timely manner. I failed to get her name or contact information and I can not locate her at this point. She said that she would be following up and getting back to me in a few days but that has not happened as of today. This process has been dragging on for several months now. This is not a great deal of money for me but it is the principle of that the bank has not following CBFP procedure and continues not deal in good faith with it's clients that has be concerned. If someone at the bank would have made a simple call, or sent a letter ( notice ), when they received my new homeowners policy at the time of conversion this could have been completely avoided. I believe if the this goes unresolved it could become both a CPFB and UDAP concern and I no desire to move in that direction.
The property was always covered with the required homeowners insurance however as you can see there was a misunderstanding regarding an ongoing requirement for Wind coverage occurred when the loan was converted from a construction loan to a mortgage and the Builders Risk Insurance was converted to Homeowners Insurance. The details and dates are in your files so I will not go through them again here. I am sure the person that contacted me several weeks ago have all the detail in one place. I don't think we have any disagreement on the dates it details at this point.
The bottom line for me is that within several days of receiving your actual notice I updated the policy to provide the missing wind coverage. I was out of the county for about a month, so I recall that I receive two notices in my box upon my return so I may of acted on the second notice. The notice was so late that my insurance company would not back date the coverage for Wind coverage this the prior period between the policy change to the date of the notice provision.
I want someone to complete the review and reverse the charge for any period of time the notice was not provided which I believe is somewhere between 6 and 9 months. The rate the bank had charged may also fail to comply with CPFB 1024.37 as it the 4x the actual cost of the insurance.
I appreciate your help with this matter and I look forward to your timely response.
Best regards, XXXX
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| 02/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX are violating my FCRA rights and FDCPA They won't remove delete wrong inaccurate unproved uncompliant untrue allegations from my credit report. they keep saying its verified without verifying.
The entry reads : [ Collection /Chargeoff Accounts : Accounts seriously past due ] [ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NORDSTM/TD XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX -- High Balance : {$800.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$0.00} {$0.00} -- Closed Date : XXXX -- -- Account Rating : Paid Paid -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Complete Department Stores - Clothing All Banks XXXX Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Payment after charge off/collection Settled - less than full balance Account legally paid in full for lass than the full balance.
Unpaid balance reported as a loss by credit grantor.
Account legally paid in full for less than the full balance.
-- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$500.00} {$500.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX entry reads : -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX Account # : -- XXXX -- High Balance : -- {$5400.00} -- Last Verified : -- -- -- Date of Last Activity : -- XX/XX/XXXX -- Date Reported : -- XX/XX/XXXX -- Date Opened : -- XX/XX/XXXX -- Balance Owed : -- {$5400.00} -- Closed Date : -- -- -- Account Rating : -- Derogatory -- Account Description : -- Individual -- Dispute Status : -- Account not disputed -- Creditor Type : -- Bulk Purchase Finance -- Account Status : -- Closed -- Payment Status : -- Collection/Chargeoff -- Creditor Remarks : -- Customer disputed account - reported by subscriber.
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department.
-- Payment Amount : -- {$0.00} -- Last Payment : -- -- Term Length : -- XXXX Month ( XXXX ) -- Past Due Amount : -- {$5400.00} -- Account Type : -- Unknown - credit extension, review, or collection -- Payment Frequency : -- -- -- Credit Limit : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- With Truncated Account Numbers. This information is being reported erroneously and illegally under the provisions of the Fair Credit Reporting Act, section 611 ( a ) ( 1 ) ( A ).
This account was paid and satisfied as agreed. This account was never charged off as listed or went into collection as listed.
|
| 01/26/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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|
Web |
Servicemember |
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I opened a new checking account on XX/XX/XXXX with TD Bank located at XXXX XXXX XXXX, XXXX XXXX, MD XXXX. I had opened a new account due to a fraudulent check being cashed on XX/XX/XXXX under my previous checking account with TD Bank that I had open since XX/XX/XXXX. My bank account was originally handled by XXXX XXXX and was taken over by TD Bank. The fraudulent check has been reported and is currently under investigation with TD Bank. I had closed that account on XX/XX/XXXX and opened a new checking account with TD Bank. I was also issued a Debit Card in the bank that same day. I then did not use my debit card anywhere until XX/XX/XXXX at the ATM in the bank located at XXXX XXXX XXXX, XXXX. I then received my bank statement for the new checking account in the mail on XX/XX/XXXX and discovered 11 fraudulent charges were made between XX/XX/XXXX and XX/XX/XXXX at XXXX XXXX XXXX in XXXX, MD totaling the amount of {$360.00}. I contacted TD Bank on XX/XX/XXXX to file a complaint where I spoke with XXXX who advised me the charges at the pub totaled the amount of {$400.00}, and that money would be back in my account within 5 business days. On XX/XX/XXXX I went to TD Bank and spoke with XXXX XXXX who issued me a new debit card. On XX/XX/XXXX I went to a XXXX XXXX Police station located in XXXX on XXXX XXXX XXXX XXXX, XXXX, MD XXXX to file a fraud report with XXXX XXXX # XXXX. He told me that he would go to XXXX XXXX XXXX to check if they had video surveillance. On XX/XX/XXXX I went to the bank and they told me the fraud claim was denied. I acquired the police report number from home and went back to the bank to have them take a copy. Following that I was issued an ATM only card and the girl cut up my debit card. I did receive the ATM card in the mail. On XX/XX/XXXX I went to TD Bank and requested the denial in writing. On XX/XX/XXXX XXXX XXXX called me from TD Bank and told me it was denied because the chip was presented at the pub. He said he had the denial in writing for me to pick-up. On XX/XX/XXXX I went to the bank to pick-up the denial e-mail that XXXX received. The email was from XXXX XXXX of the fraud department and she stated that the reason for denial was that chip cards can not be counterfeit at this time, so the card must have been present. It read the pub was 25 minutes away from my home address, and no decline attempts were made with the card after it was closed, leading them to believe the person who used the card knew it was closed. It should be noted that no other fraudulent charges were made between XX/XX/XXXX and XX/XX/XXXX when I reported the fraud to the bank. I spoke with Manager XXXX XXXX who told me that there was nothing further they could file since the chip card was used at the location. I asked if it was possible an employee at the bank created a second card and used it and he told me that it was not possible. I have since found reports online of TD Bank employees creating second debit cards on customer accounts.
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| 09/22/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I opened a Raymour and Flanigan credit account under TD Bank in mid XXXX when purchasing two items of furniture. Unfortunately, when I received my first bill, I discovered by seeing the min amount due, that something went wrong and I did not get what was promised to me by the vendor, XXXX & XXXX. The particulars are not that important for this case but my min payment was not supposed to be that high ( {$120.00} ). I had specifically told the salesperson what I could afford as a min payment and it wasn't anywhere near that. I called the bank immediately and spoke to both an agent and a supervisor. The supervisor told me that the only way to get the min payment down was to get the vendor to extend the terms, i.e., to give me XXXX, instead of the XXXX. That would lower my payment. I filed an immediate dispute with the agent that day, explaining in detail, patiently what the issue was. I must have repeated myself five times. I was very thorough. The supervisor could not tell me whether or not I was responsible for the min payment or if I would be getting a late fee, under the dispute. I am not sure why. I always thought that everything is on hold during a dispute. I did not pay the min payment on time due to it being so high. I was not prepared for it did not have it. It was also not what I expected under deal I was offered from the vendor. However, in good faith I still made a payment of {$100.00} just a few days later. The dispute was opened two days after the due date. I found out when I received the letter in the mail from the bank, in triplicate, that the dispute was totally incorrect. Not one thing was right. I never claimed what they were stating. They told me I lost the dispute and it was closed. of course. No surprise there. The agent was either completely incompetent or they could care less what a customer was stating and put down whatever they wanted to hear. Whatever the case, it was wrong. No wonder I lost the dispute. I had been, in the meantime working with the vendor to change the terms. They gave me a hard time but agreed to do it and finally did, after several weeks. However, my min payment was never lowered. When I looked today, I seen that it is still $ XXXX. I got a supervisor again and was told that it is not being lowered. The correction to the 18mos has nothing to do with it. It is the vendor that has the agreement of the min payment being 3.5 % of the balance that is doing this. Not the length of the 0 % finance. What? So, they gave me erroneous info that I told the vendor? Are they kidding me? Now what? Now, I go back to the vendor again? What do I beg for now? Return one of the pieces of furniture? That is not going to happen. They are not going to take it back and frankly, I can't blame them. So how do I fix this? Not pay my bill? I can not afford a min payment of {$120.00} per month. Period. This has to be fixed and why when an amount is under dispute was I responsible for the min payment and or a late fee?
|
| 07/08/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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|
Web |
Older American |
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On XXXX XXXX, 2016 my aunt passed away who had XXXX bank accounts with TD Bank. Prior to her passing she told me that me & my son were named beneficiaries to all XXXX accounts plus others in other banks. On XXXX XXXX, 2016 my son & I went into the TD XXXX XXXX, NY branch to claim the accounts. We were told by the customer service rep that we were not the beneficiaries & that there were none listed & that we would need to go to XXXX Court to get Letters of Testementary to be able to get any information on these accounts. Since these accounts were totaling over XXXX we had no choice but to hire a Law Firm to handle the estate. The law Firm had to contact all immed family member plus the witnesses to the will & this caused much hardships for me & my son. After 3-4 months I was finally named Administrator of my aunts estate & given the paperwork from the NY XXXX Court that was needed to handle TD Bank. I went into Td Bank in XXXX XXXX, NY XXXX after leaving my lawyers office to close out these XXXX accounts & I requested to see all beneficiary forms attached to these accounts. At 1st the customer service rep tried telling me I had no right to see them, even with my letters of Testementary from the XXXX court. I called my Lawyer XXXX who did not agree with the bank & the Rep went to confer with the Bank Manager. He then came back & apologized that an error occurred. And showed me there in fact were Beneficiary forms for all XXXX accounts & that me & my son were the named beneficiarys. The original person made an error. I informed the bank of the Legal expenses I occurred from their mistake & told them I wanted to be reimbursed for those expenses ... They handed me a check made out to the estate of my aunt at that time as well, even after finding out there were in fact beneficiaries. They contacted their legal department & said I would hear back in a few days. My lawyer made me go back & demand payment to the beneficiarys as that is how payment should have been applied to begin with. The legal department 2 days later agreed to make XXXX checks to the beneficiaries and replaced the checks correctly. The legal department requested that my lawyer send them an invoice for services rendered for the estate. Which he did. They further asked for documentation of all work conducted & paid on the estate. Today my lawyer called me to say TD banks legal department decision is to not pay my legal fee 's incurred by their mistake and is trying to say that I would have needed to go to probate anyway and refuses to pay me my legal fee 's for their error. I can only imagine it is due to seeing her will which nothing actually passed thru, which we sent them a copy of. There is nothing else in the estate as all the other bank accounts were named beneficiaies to me and my son, her house was owned as rights of survivorship with me. I am filing my inventory with the XXXX court next week that has a XXXX balance of inventory as there is nothing in the estate.
|
| 04/27/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/2021 my XXXX year old grandson was looking in my phone and had mistakenly made a purchase at XXXX for the sum of {$330.00}. We were dining out at XXXX XXXX XXXX 's Restaurant. After I had gave my debit card to the waiter I look into my phone and went online to my bank account to see how much they had charged me for the dinner when I notice that I was in the negative for - {$220.00}. I then went down the list of items to see how and what was ordered when i noticed that my grandson had ordered {$330.00} worth of toys I immediately left XXXX XXXX XXXX and went to call XXXX to cancel the order I spoke to a representative and was told that the order had been canceled and that I would be receiving a email wihin 24 to 48 hours. The next day XX/XX/2021 I had recieved the email but the money was still not put back into my checking account I then called XXXX and TD bank and had spoken to both representatives and the TD Bank representative had canceled out the card that the order was made from because I had not given XXXX permisssion to keep my account on file and they did so any ways. the representative from TD bank told me that my funds would be put back in my account no later than Friday XX/XX/2021 and due to the matter of the case that as long as XXXX releases the money I would not be charged a fee. because I was over drawn for the sum of {$220.00} and I had taken {$400.00} from my saving and put it into my checkin to cover the balance of the over drawn fee. So friday comes and still my moneys had not been put back into my account so I called TD bank when a representative told me that the money was to be released on the XXXX of XX/XX/2021 and would be available on that following monday. So on that Saturday I went and check my account and {$170.00} was put back into my account but the overdraft fees were still there so I called again to TD bank and the representative put the over draft fees back. On XX/XX/2021 I went to check my bank account and see if the remainder had been put back and I see that I was overdrawn {$310.00}. I call TD bank and then I went into the XXXX, MA branch with XXXX on the phone and soon as I hung up from XXXX all XXXX bioke lose they started saying that the money was put back and they did not know about the {$170.00} because I screen shot everything and I had XXXX send me confirmation of the transaction. On the evidence that I have given to you you can see that all the transactions tha TD bank did are suspect because it doea not show the true factor and I ant my money back I can show that this is not the first time they have done this even back in XX/XX/XXXX, XXXX XXXX With XXXX XXXX I was suppose to get a return and I did not I have the email but the transaction does not show up on my banking account as a purchase or a return the same with XXXX XXXX I have the receipt for the transaction and refund but it does not show up on my bank statement This has gone on too long and something needs to be done
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| 05/25/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Money order
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- Lost or stolen money order
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Web |
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In XXXX, I purchased a {$1000.00} money order for {$1000.00} using my debit card at the post office to pay someone. It wasnt until a couple of weeks later that I found out that the money order bounced when deposited in the bank of the person I gave it to because it wasnt activated properly before being handed to me.
I immediately opened a dispute with my bank ( TD ) and the post office to get my money back. TD gave me a provisional credit while they opened their investigation.The post office also opened an investigation and then escalated it to tier 2. They were of little help besides saying it was strange and the person at the physical post office saying they were having computer issues that day. They even confirmed it hasnt been cashed yet, its just in the ether. I called a week later to ask for an update and the person on the phone opened another investigation and escalated it to tier 2.
After about a month, TD asked for more proof and I faxed them all my correspondence with the post office, copies of my statement before and after the transaction and the money order stub but they said that wasnt enough. I even told them it wasnt even cashed. They asked if I had a voided receipt but you dont get that with money orders, only the stub. I couldnt give them the actual money order as the bank that cashed it wouldnt give it to the person I gave the money order to. They probably destroyed it by then. I was told the one investigating my case would call me with more information because what they wanted didnt exist. They never did.
I called the post office again a couple weeks later but the customer service rep didnt know what to do and offered to open a new investigation and escalate it to tier 2 ( sound familiar? ) and said someone would call me. They never did. After 90 days ( XXXX ), TD closed the investigation by default for lack of evidence on the weekend and took back their provisional credit, making me overdraft twice.
The next day, the post office emailed me saying they were able to obtain a photocopy of the money order in question but they couldnt just give me my money back because they didnt have the actual money order, I had to fill out a completely new form for refunding money orders that could take up to 60 days to get my money back.
The following Monday, I went to a TD branch in person and explained the situation again and the banker sided with me after I showed her everything I had including the new photocopy from the post office. She used all the info to open another new 90 day investigation which allowed me to get a new provisional credit.
Its been almost 3 months since Ive heard from either and Im beyond frustrated with both of them. Im still out {$1000.00} ( MO + two overdraft fees ), stressed out and still no closer to a resolution. In less than a month, TD will automatically close their second investigation retaking back their provisional credit.
XXXX incident number : XXXX TD Bank claim number : XXXX
|
| 06/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
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Web |
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( XX/XX/2021 ) I attempted to use my card for a purchase multiple times, the transaction appeared to fail each time ( per the register at XXXX XXXX ) and I made the purchase using another card.
In the parking lot I received an email from TD Bank, a fraud alert saying that my account had been used for a purchase at XXXX ( remember I finished the purchase using another card. ) Call 1 XXXX XX/XX/2021 ) : Hold time approximately 20 minutes. XXXX sends me a text message to confirm my identity, after reading the code to her this fails, XXXX very softly says a bunch of stuff that I could only partially hear and then my phone rings. When I answer it is is a busy tone and the call to the XXXX was disconnected.
Call 2 XXXX XX/XX/2021 ) : Hold time approximately 20 minutes. I explain everything prior, Another prolonged hold. XXXX asked if I was out of the US although nothing I had done or said would indicate that is the case. XXXX states that all I can do is go to a branch. They have my address, I am located in New Mexico, all their branches are on the east coast.
Call 3 XXXX XX/XX/2021 ) : Hold time proximately 20 minutes. I explain everything prior. Like an unthinking robot, XXXX try 's the text message validation again. She then says it wont work because there were too many attempts today. ( this is the next day after calls 1 and 2 ) I said that doesn't make sense and she then determines it won't work for some other reason. She then also decides that I am outside of the US. I tell her I'm not outside of the US and realize that she is so ignorant that she doesn't even realize that New Mexico is a US state. She tells me the only option is to fax in my ID copy and some bills. I explain to her ( as with the others ) that I'm not trying to access the line of credit, I just want to know if a transaction posted. Like an unthinking robot she is unable to comprehend this. I then tell her I'd rather just close my account. She says she will transfer me to do that. I ask if that process will rely on the same text message validation process that isn't working. She says something unrelated. I ask her again, and she says yes. So this XXXX robot of a person knowing that the text message validation wasn't working was going to send me to someone else to do the text message validation! What it comes down to is that I need to fax my ID and two bills.
I still don't know if the failed transaction at XXXX actually posted to my account. Of course I am also locked out of the account online and have to validate by calling and using the text message validation system to restore access. I shred my bills after they are paid..so I guess I just have to wait to get bills to fax in for their identity validation, and if that actually works.
In my opinion TDbank hires absolute pedantic fools with no critical thinking skills, and they obviously don't hire enough of them because it takes about 20 minutes to even talk to anyone, not that doing so is helpful.
|
| 01/21/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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My husband and I voluntarily had our car repossessed because we had moved out of the country for XXXX work. While out the country and even once we returned from our assignment we had been paying the remaining balance for the vehicle. We always did our due diligence and we had worked out a payment plan and had been paying each month with not problem. We had been told that the only way we could pay would be to call in, which we had no problem with. XX/XX/2019 is when things went downhill. We called as we always do to pay our bill and had on hold in the que for over a hour so because of work, we decided to try again another day. As we continued to call with no answer we assume it was because of the holiday season that they had been busy or closed. On XXXX XXXX at XXXX we received a voicemail from Td bank regarding our bill. Due to being at work we missed the call but returned the call the same day before office hours were over. We waited on hold for a while even while driving back home from work and never got anyone. We tried calling other reference numbers mentioned online in hopes that we would get the automated payment line as we had done multiple times before but the automated messages never brought us to that prompt they still have that option. I assumed since it was almost closing, no one was answering the phone anymore so we again tried the next day. Eventually after waiting for so long the automated System would say Our office hours are ... our website is ... goodbye and just hang up. Because of this message we assumed that it was due to the holiday hours. Again, we dont have a way to pay online. On XXXX XXXX after the holidays we tried calling again and was told our account has been turned over. XXXX XXXX we received a call from XXXX saying that they now had our account. We explained the situation to them and the guy proceeded to be rude and assault us. He told us there was no other option then to pay our balance within 30 days or they would take us to court. He proceeded to ask personal questions about why we went out of the country and if we had family that could pay our debt and he threatened to take wages from us if we didnt either pay the full balance in 30 days or do a {$4000.00} payoff within one week. We asked about a payment plan and he refused and said they will just take us to court. In all honesty, we can not give what we dont have. We have always paid all of our bill with every company weve ever been with so this is a first for us. We are honest people and want to pay our debt but rude remarks and threats were unnecessary. We called td bank again that same day asking why they had turned us over when weve always paid. The lady told us that she didnt understand why they would have since it had not been 30 days since our due date. She assumed it was a mistake but said that once it is turned over they have no power to get it back. We asked for a manager to call us back but we never received another call.
|
| 07/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I opened a credit card with XXXX through TFD bank in XXXX. I paid off my balance with no late payments or balance carryovers from XXXX.
-In XXXX XXXX had a huge data breach, and I also had my wallet stolen, and many of my credit cards had fraudulent charges as a result of that theft.
-I reported the fraud to XXXX, who sent me a new card, and asked for additional information about what charges were not mine- I filled out this paperwork and sent it back to them, in XXXX. I did not continue to make monthly payments once I noticed the fraudulent charges, as accounts should be frozen until dispute is resolved. XXXX did not freeze my account or remove disputed charges- they continued to charge me late fees, docked my account as not paying, and after six months, with no resolution from their fraud department except them confirming I had filed the fraud report and their sending me a new card, they had more than doubled the owed amount, of close to {$900.00}, to {$2400.00} of late fees, interest, and other charges, all incurred during the open fraud dispute.
- In XXXX, XXXX submitted my account, exactly six months from the first 'missed payment, ' to a collection agency and to all major credit bureaus, starting an negative and costly process that has greatly affected my living, transportation, and life choices as a direct result.
-In XXXX, XXXX filed a civil suit against me for the {$2400.00} debt they claimed I owed. After almost two years of court, XXXX failed to produce the original contract, acknowledge that I had filed fraud, and would not respond to questions about contract violations when fraud was first filed. The court ruling was to dismiss the case, as XXXX did not have the right to collect the debt from me, meaning that I was NOT responsible for the debt- it was fraud.
-The case was dismissed XXXX XXXX, XXXX, and as a result the charges should have been removed from my credit history, the delinquent account status should be removed, and an account showing good standing with no charge offs should have been retroactively updated. This did not happen.
XXXX XXXX of XXXX XXXX showed a charge off of {$2400.00}, saying I was delinquent, that I owed this debt, and placing the date of this as the same time they opened the lawsuit, two years prior. This appears on my credit report and still causes me great issues and financial hardship and will show as a negative until XXXX.
-I filed disputes with all major credit agencies, but XXXX responded with updated information, in XXXX of XXXX, stating that I was responsible for the charge off, that it was a delinquent account, which is a direct violation of the civil case they had already caused me to endure, and the case they lost. They have maliciously gone against all of my letters and request, violated a court order, and continue to affect my life and finances, ability to get a home, a car load, etc. time from work to go to court, and other stressors and negative impacts.
|
| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
Servicemember |
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In XXXX, I purchased a large farm mower from XXXX XXXX. Approximately {$11000.00} was financed with XXXX interest for 48 months, through TD XXXX XXXX XXXX. After 2 years of regular monthly principal payments, a payment happened to be due on a banking holiday. Our bank 's online bill payment service sent the electronic payment through on the business day immediately following. Unknown to us ( because the principal payment was made automatically by our bank each month ), a late fee was charged to the account, and then another one was charged the following month, not for the principal payment on the purchase, but on the late fee which remained unpaid. We contested this strongly with the creditor since it is an accepted policy stated on this web site that such an act is predatory XXXX XXXX XXXX XXXX ). We also approached XXXX XXXX, and even asked our bank to get involved since they were in charge of the transfer of funds on the business day after. TD RCS refused to remove the fees, and instead kept adding more fees for each month they weren't paid. All the while, we were making principal payments to our purchase as scheduled. After about 6 months of repeated calls to the creditor, we paid the full principal balance and closed the account. At this point the fees were up to {$290.00} and listed on our bill under late fees.
One month after closure, the creditor transferred the {$290.00} balance to the principal column and continued to bill us as if we had made a new purchase, also adding a new late fee each month. Letters were sent and calls were made to no avail. Eventually we stopped receiving bills. Several months later a debt collector contacted us, attempting to collect {$440.00}, which had now accumulated in response to that one banking holiday. When I explained the situation and forwarded the letter that I had provided to the creditor months before, the debt collector ceased all attempts to collect. We thought that was the end of it as it was over 2 years ago and over a year after the account was closed ( bank holiday in fall of XXXX, account closed XX/XX/XXXX, debt collection XX/XX/XXXX ).
Fast forward to XXXX when my credit is checked for a pending real estate purchase, and this {$440.00} is still showing on my credit report as a bad debt. Given that I paid the principal balance well before the end of the XXXX interest terms, I owe XXXX debt to TD RCS. I have disputed with all XXXX credit bureaus and been turned down by all XXXX in spite of XXXX pages of documentation on this issue. TD XXXX continues to lie about their predatory practices even when presented with evidence provided by me to the credit reporting agencies. In addition, the dates are incorrect on the credit reports, meaning the " charge-off '' will not disappear in XXXX but in XXXX ( or later, if they continue to report it as current ). Untold damage has been done to my credit for something which was not even a mistake, but a normal banking practice.
|
| 09/03/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
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|
Web |
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On XX/XX/XXXX, at XXXX XXXX ; I went to the XXXX Post Office ( XXXX XXXX XXXX XXXX in the XXXX to buy two different money orders for a total of {$1500.00} : {$800.00} and {$700.00}. I gave {$800.00} cash to the clerk and told him to charge {$700.00} and the money orders fees on my debit card. When I was putting my pin number I saw a total of {$1500.00} in the machine. The clerk put the receipt and the money orders in an envelope. On the receipt it is showing {$1500.00}. On the same day in evening, I checked my bank account when I realized that the clerk overcharged my card. All {$1500.00} instead of {$700.00} which represents {$700.00} money order and {$3.00} fees. The next day, early in the morning, I went to the Office to talk to the Supervisor. I didn't see him but I saw the clerk who recognized that I gave him the {$800.00} cash and he did everything right in the system but said he didn't know what went wrong. He made a copy of the receipt and took my phone number to call me back. He never ever called back. I called XXXX XXXX XXXX and I have a CA number : XXXX and a ticket number : XXXX.
I went to the bank to change the card and claim my money. The bank misunderstood and gave me {$1500.00} credit. I called and the bank took the money ( {$1500.00} ) back. I made another claim and the bank gave {$800.00} credit, took it back, I made another claim again and and the bank gave {$800.00} credit, and took it back again. The bank said that after their investigation, there was no error occurred that day. I request the documents on which their decision based. They failed to provide those documents until now.
The Post Office sent me a proof that they issued a refund of {$700.00}. I called them to rectify the amount. It has to be {$800.00}. They said it was corrected that I should be receiving my money 3-5 business day BUT NOTHING. The Post Office said to go to the bank and file a Regulation E Dispute to get my money back.
Previously, I told the bank that the debit card I used to make the transaction is closed, if it will cause problem about the refund and they said no, and added that the money will go thru the account and the routing number to not worry.
When I when to the bank with the proof that the Post Office issued a refund which I am not seeing, and I want to file the Regulation E Dispute, the bank refuse to do that twice in their office even online once. My fight is to get my money back. I dont know why the bank is refusing to do so. And the bank said it might be because the card was closed. I said to them : you told me that there is no problem about it. The bank should file the regulation E dispute to give me my money.
I need your help to have my money back. If the bank keep refusing and the Post Office refused to use my account and routing number, who is losing? I need your help please.
Thanks Attch ; -statement to the post office -receipt of the transaction - bank statement -copies of all exchanged e mails
|
| 03/01/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
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Web |
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On XXXX XXXX, 2016 I opened a account at TD Bank XXXX XXXX XXXX, XXXX, PA XXXX, AND FOR 3 WEEKS NOW I HAVE BEEN BOMBARDED AND THEN REBATED ( -AFTER COMPLAINING - ) WITH OD FEES! And then Bombarded again!!! 3 weeks in a row. ALL with no access to a account statement! On-line or otherwise.
BUT NEVER FULLY MADE WHOLE BY THIS BANK! AND THEY DO N'T SEEM TO CARE AND JUST PASS THE BUCK!! The Customer service rep XXXX XXXX. I have learned is part time and in college. When I inquired about my Paychecks and availability, I was advised by XXXX that my XXXX check deposits would be available the next business day. NOT 3 BUSINESS DAYS!
XXXX ALSO did not go over the following items with me when I opened the account : 1 ) XXXX XXXX was not explained nor was I alerted to the policy.
2 ) Deposits - A Payroll check made on Friday when I asked I was told those funds " would be available " Next business Day and/or Monday ''. - NOT WEDNESDAY of the Following week! As is the case with this bank it appears ...
3 ) I was told that On-line banking was simple to Set-up, but when I went home and tried to, I had had several " authentication '' problems and long 15 minute waits on the Customer Service HOT-LINE and gave up.Only to find out later that I was given an incorrect Temporary password for setting up my account. Again, when I called the hot-line for assistance, it was impossible to get through. Just a advertising soundtrack that repeated itself many times over and over. I gave up after 15 minutes on hold.
4 ) OPT in- OPT out was NOT Explained on XXXX, XXXX, but by a Supervisor at a store local to my job in another town - I work XXXX to XXXX at XXXX - when I visited the bank after the trouble started ... Notwithstanding the above, I would like to pursue a remedy to the Overdraft charges that occurred in the first 10 days within opening of this account.
I feel cheated out of my money because I could not view my on-line statements for the first 3 weeks upon opening this account. I would have been able to take proper action to avoid these overdraft charges.
After visiting the bank and describing why I felt something was wrong with my account - I was {$110.00} in the negative at this time.- to a XXXX XXXX XXXX XXXX Supervisor. She rebated me XXXX or {$70.00} in overdraft fees. I still had not seen a statement of my account, nor been able to set-up on-line banking. She advised me to call a NEW number. This did work and I spoke to a man named XXXX. He apologised for all the inconvenience and advised me he would further rebate a additional OD fee that XXXX XXXX had overlooked.
Finally after going on line and reviewing my account, it became apparent to me that " next business day '' did not apply to this account!! And I was being penalized to the tune of {$35.00} a pop for {$7.00} worth of coffee and cigs, when in reality the funds were sitting right there in my account BUT NOT CLEARED BY TD BANK as I was advised upon opening the account.
|
| 09/21/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
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|
Web |
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|
My complaint concerns TD Bank. I have been a customer in the XXXX area since XXXX, with checking, savings and credit card products. In XXXX of XXXX, I went in to my branch to update my Savings account to one with the best interest rate ( from their 'High Yield Savings Account ' to their 'TD Select Savings Account ' ). The savings account I chose had tiered interest rates based on the account balance, and a 'rate bump ' ( a higher band of interest rates at every tier for having additional linked accounts, like their Visa credit card ). I fulfilled all the requirements for their best interest rate, and left satisfied with the product I had signed up for. Since XXXX of XXXX, I have periodically monitored the interest rates by going to the TD Bank web site, and was pleased to see that they remained reasonably competitive. However, when I recently did the math based on interest credited to my account, I discovered that I was getting far less than the posted rate. This led to numerous phone calls and a trip to my local branch to try and get the issue addressed. No one at the bank or on the phone was able to accurately explain or resolve my problem, but I managed to piece together the following scenario ...
In XXXX of XXXX, mere weeks after I opened my 'TD Select Savings Account ', they grandfathered ( retired ) this account product and did not notify me. It was 'replaced ' with a product called the 'TD Preferred Savings Account ' with essentially identical features to the 'TD Select Savings Account ' ( including the tiered interest rates and rate bump features ). To my best understanding, the only thing that changed for this product is the name. When TD grandfathered my 'TD Select Savings Account ', they essentially froze the interest rate at the XX/XX/XXXX level, but the 'TD Preferred Savings ' rates ( advertised prominently on their website ) rose steadily as competition in the savings account market increased over the past couple years. Even worse, it is impossible to find information on the current rates and tiers for my 'TD Select Savings Account ' without making a special request - so this is clearly an active suppression of information. I can not view this as anything other than a 'bait and switch ' scheme. Without telling their customers, they changed their product used to advertise their savings account rates and replaced it with something identical in all but name, but with lower interest rates. Not even their customer service representatives were able to easily spot the difference! In my case, this was mere weeks after I opened the account. Given that I keep all my emergency funds in this savings account, it has resulted in a significant loss of interest income over the past 2 years. I have talked to the store manager at my local branch, and multiple banking representatives at the branch and through their 24/7 phone support, and no one is willing to acknowledge wrongdoing or correct the issue in any way.
|
| 07/22/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
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TD Bank has left me in SEVERE financial hardship and no way to pay my rent or other bills.
On XX/XX/2018, a Saturday, I was attempting to make a purchase with my TDbank debit card. The purchase was declined. I called my bank to see if they could rectify the problem and a rep told me that my account was drained because of an " offset ''. I checked my account and there were XXXX dollars in the account that should have had {$1200.00} in it. Also, appearing in the transaction history are these items : DDA OFFSET XXXX - {$310.00} DDA OFFSET XXXX - {$460.00} DDA OFFSET XXXX - {$270.00} DDA OFFSET XXXX - {$100.00} DDA OFFSET XXXX - {$77.00} totaling {$1200.00}!
The ENTIRETY of ALL my money with TDbank. They took it all. I do not have other accounts elsewhere with any funds in them -- this was ALL the money I had to support myself. And of course, no one at TDbank is anywhere near helpful, so I have had to wait until monday because their " collections department '' is closed on weekends, and standard tdbank lackies do nothing because they aren't in that department. Tdbank 's social media is merely damage controlling PR, ignores you, and is not supportive whatsoever.
I have no knowledge of these other accounts that supposedly are in my name for which tdbank insists I owe them this money, nor have I ever recieved postal mail, email or phone calls insisting I owe money on past accounts at this bank. Td bank has taken money out of my account for accounts I didn't even know existed!
Additionally, according to the " Right to Offset '' law, social security funds are EXEMPT from " the right to offset '', Section 207 of Social Security Act ( 42 USC 407 ). Tdbank has taken social security funds that were deposited into the td bank account which was drained. " A Financial institution can not offset social security benefits against any other debts owed to the bank. '' But they still did, of course! to the tune of {$86.00}.
My account was completely drained and brought down to XXXX - leaving me with no way to pay rent, buy food, money for transportation or my medications. If TDbank does not refund my money to me immediately or rectify this issue either by phone or in person, I will be filing more complaints with the FDIC and the Office of the Comptroller of the Currency, who regulates TD BANK , N.A .
TD bank has left me in severe financial hardship, leaving me without a way to pay my rent to keep a roof over my head, no way to pay bills and no way to even buy food or pay for transportation. TDbank " Customer Service '' lackies should be ashamed to work for such a heartless, greedy bank that would do this to their customers and leave them in a near-homeless situation.
Also I was not able to afford my medication due to TDbank taking every cent I owe and TDbank has caused me to miss doses of a medication that I can't currently afford.
I want this situation fixed ASAP, or I will consult a lawyer.
FIX THIS, TD BANK.
|
| 07/14/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
As detailed in a previous CFPB complaint ( XXXX ), on XX/XX/XXXX I ordered a treadmill from XXXX, Order Number : XXXX, for {$3700.00}.
The terms of purchase through NordicTrack 's financing partner, TD Retail Card Services, were " 0 % APR for 12 Months with Equal Payments. '' I proceeded to set up these automatic payments on XX/XX/XXXX, however : Despite ( 1 ) setting up 12 monthly payments on TD 's own payment portal, https : XXXX, and ( 2 ) receiving verification of the payment account ( Chase Checking Acct ending in XXXX ), and ( 3 ) that account having more than adequate funds to service the debt, TD 's system failed to draw the amount from the payment account, and instead started allocating NSF charges and rapacious interest.
I was in fact confused by the entire process since I had also entered my XXXX card information on XXXX during the purchase process, about which an email was written by me to my assistant on XX/XX/XXXX. **She was subsequently assured by TD that everything was set up correctly. ** Due to COVID and the related business closures via Executive Order, I have been away from my office in XXXX XXXX XXXX until just a few days ago, when I became aware via mail that accumulated over the past three months, that TD has not been properly processing the payments -- which I not only set up correctly but there own online system validated upon my doing so. After calling TD to straighten this out today, Previously, TD was trying to collect nearly {$4000.00} from me despite claiming the principal is {$2800.00}, which resulted in CFPB complaint XXXX.
That complaint was met with return correspondence from TD Bank on XX/XX/XXXX claiming that, **despite having paid the balance referenced above in full ( {$2800.00} ) on XX/XX/XXXX, ** proof of which is attached, that as of XX/XX/XXXX I still somehow owe {$910.00}.
Further, in the same XX/XX/XXXX correspondence, in which TD asserts " an automatic monthly payment was successfully established on XX/XX/XXXX '' -- and despite providing ample evidence that this account was initially used to disburse a payment AND that the same account remained well-funded, TD not only references a faulty account number ( XXXX ), containing an extra digit -- but claims that the payments were rejected.
This claim of the payments being rejected is completely contradicted by ( 1 ) previous proof of adequate balances in the payment account ; and ( 2 ) their claim of a " successful automatic monthly payment being established '' -- a fact that my records reflect as well, corroborated by the XX/XX/XXXX correspondence between my assistant and TD.
There is nothing owed at this point. TD 's practices are not only illegal but morally unconscionable. I am fortunate to have adequate resources to litigate the matter if this means of remediation is ineffective, but feel awful for those customers of TD who can not afford to defend themselves from these abominable practices.
|
| 09/02/2020 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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I chose checking accounts and bank closed my accounts because it is the genesis of my problem in fact the chain effects of it encompasses many of the choices options in the previous page.
I had 3 accounts with TD BANK a checkin, loan, and credit card I use the checking account to transfer payment to the loan and credit account, in XX/XX/2020 I reached out to the bank requesting a relief having being affected by covid19 disaster the bank went ahead and deferred my installment payment to XX/XX/2020 my due date is the XXXX of every month so they make me skip 3 months when XX/XX/XXXX reached I wasn't able to make a prompt payment so I reached out to them again and was told that I have 15 days grace period from the XXXX. mean while I wasn't making any money therefore couldn't keep {$100.00} minimum on my checking account, that attracted a {$15.00} a month fee anytime I go below {$100.00} and the bank has a policy of closing accounts that are consecutively negative for 59 days so the fees brought my accounts to negative however twice within the 59 days I was able to get the bank 's representative to reverse the fees and therefore bring me to positive this happened on XXXX XXXX and XXXX XX/XX/2020 respectively so I tried to make my loan payment within the 15 days grace period I have so on the XXXX of XX/XX/2020 I made a deposit of {$250.00} to my checking account via my bank 's ATM I already had $! 0 in my account that brought to {$260.00} my loan installment is {$240.00} so I transferred {$240.00} to the loan account I knew I'm ok until I checked my XXXX credit report a month later to my dismay the bank has reported missed payment, I called the bank and they said my payment was returned due to lack of funds I insisted that I have funds at the time of payment but they said my checking account has been closed on XX/XX/XXXX XXXX.I told them as of XX/XX/2020 my account is very much alive because I made a deposit of {$250.00} and before I made that deposit I had {$10.00} in the account, they were able find out that indeed I did made the deposit and that the money has been in their possession all along so I asked why was I able to make a deposit if my account was closed and the answer they gave was that the account was in the process of closing but not complete.
I asked how is this my fault? if my account is close I shouldn't be able to make a deposit, I shouldn't be able to make transfer I was told not worry they re gon na fix the problem so they sent me to a branch where they issue me a credit and advice me to open a new account so they can deposit the credit and then I can use it to effect the supposed late payment and after that they will take steps to rectified the remarks they made on my credit report I obliged. but they refuse to correct the remarks even though it was their system error that caused me to default I tried everything I could they insisted that their reporting is accurate please help me
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| 03/06/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX I was called by TD Bank ( XXXX ) XXXX which is an accurate phone number for the bank. I was told that there was suspected fraud on my account and they needed to confirm some of my transactions on my checking account. He asked for the last 4 of my SS # which I provided as this is commonly requested to verify my identity. He then proceeded to recite transactions in my account. Some were valid and some weren't. That is when he started what he referred to as initiating a fraud claim. He provided me with a fraud claim # as well. At this time he told me he needed to send me a account confirmation code to my cell phone as well. When I called TD bank the next day to check on the status of the fraud situation, since I received an email that I had insufficient funds in my account, I was told that they never called me and that someone must've spoofed their phone number to make it look like it was TD bank. At this point I realize that someone presenting themselves as a TD bank rep, fraudulently induced me into supplying the last 4 of my SS # and other information to obtain access to my account. This person obviously stoIe my identity by logging into my account and transferring my money around under the pretense that they were a TD bank representative. I learned from the branch that someone logged in, transferred money from my savings account to my checking account and then sent all of the checking account money by EFT to a XXXX payment. I have never heard of XXXX, never used or set up an account with XXXX and also never opted in with TD bank to be a part of XXXX at all. Both my saving and checking accounts were cleared out. I was instructed to obtain a police report which I did get. How was my user name and password obtained? This is actually the XXXX time with TD bank that I have had fraudulent activity. The first time was unauthorized charges. This time is obviously much worse since my account was cleared out of a total of {$2200.00}. Does TD bank not monitor the location of where someone is logging in from? if so, they would see it was not my usual location. Also, as for XXXX, if I never used their service before and then they suddenly see a payment being sent by someone not enrolled in their service, doesn't that flag something on their end? My last question is shouldn't TD bank and all banks ask you to opt in to XXXX? I find it quite dangerous that if someone gets access to my online information again that they can just sent my money anywhere they want. TD bank is in the process of their XXXX day investigation but I wanted to report this fraudulent inducing incident directly. TD bank is saying that I have a XX/XX/XXXX chance of getting my money back and from what I see, within the laws, they are liable to return my funds. XXXX XXXX of the XXXX XXXX Police Dept ( XXXX XXXX, NY ) provided a Central Complaint # XXXX and said my " identity theft report '' will be ready in 3 to 5 days.
|
| 08/19/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I am delinquent on my mortgage payments with TD Bank. I have applied for a loan modification which was approved. My loan payments were in the vincinity of XXXX per month and the modification bought it down to XXXX. I was very happy knowing that I was in the process of a divorce, severely limited in my finances and knew that the new payment would allow me to keep up to date on the mortgage. NO WHERE in the papers that were notarized and signed was a mention of any other amount other than the {$910.00}. I showed the papers to my divorce attorney, my close friends ... .everyone said that they only can see that TD Bank has approved XXXX. I sent the paperwork and waited for the check to clear for about a week. No check and no message from TD so I called and spoke to the person named on the form, XXXX XXXX. She told me that - no, my check was n't received, nor were the papers that were notarized and furthermore, my XXXX check was n't enough. My payment was actually higher - I do n't remember the exact amount but it was approximately {$1400.00}. When I complained and said the paperwork states a different amount she told me that there is escrow to be paid. I told her that no one told me the amount would be more and that there is a paragraph in their paperwork that states the amount of {$910.00} would be my monthly payment for the life of the loan. Her answer to me was that the amount was reduced from the original and I should be happy with that. What XXXX XXXX does n't realize is that {$500.00} more a month is not what I can pay. I called the following day and spoke to another rep, XXXX XXXX who was not only helpful but compassionate. He saw that the check was deposited and the paperwork received - the previous week. He looked through the paperwork and said he thought it was odd that I was told XXXX but the paperwork states XXXX. He told me to wait a week and possibly the correct info would be updated in their system. I called a week later and spoke to XXXX. She told me that the did see the higher amount and that all she can offer is for me to send a letter to the escrow department asked for the money to be spread out over a certain amount of months. I told her that first of all - no one contacted me from TD to tell me about this new amount and I am hesitant to sign anything further because this is fraudulent business practice. We get lured in with XXXX amount and then the next day ... oops, wrong amount ... it 's really higher. This is ridiculous! How can this bank do this to customers who are already in a vulnerable position and TD takes advantage knowing they are uninformed and worried about losing everything they own. And then to have their employees not have the answers to give to customers. I asked XXXX if this is their practice - to not disclose the correct amount and she told me she did n't know that answer. Somebody in TD has to be made accountable for misleading consumers in this way.
|
| 02/24/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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I hold an XXXX XXXX XXXX card which issued by TD Bank , N.A . The card had a feature that included a deferred interest period on purchases. However, unlike other cards with similar deferred interest feature, TD Bank does not provide a clear indication that a promotional payment is due to avoid deferred interest charges.
I have set my payments up to pay the balance due each month. A deferred interest period expired as of XX/XX//2022, and the outstanding balance due was not withdrawn automatically. Instead, the regular monthly payment was withdrawn from my checking account, and deferred interest of {$1100.00} was added to my outstanding account balance. When I called in XXXX after I received the next monthly statement, I was told that the notice of the expiration of the promotional balance was noted on my statement.
The statement and program is unfair, deceptive and misleading and the expiration of the deferred interest promotion is buried in the statement. On my XXXXXXXX XXXX card, which is issued by XXXXXXXX XXXX, the expiring deferred interest promotion is clearly indicated next to the payment information, in bold red font. This bold red print is the top third of the statement, next to the payment information, so I don't have to read the entire six page statement in order to understand that a promotional period is expiring.
When I called and offered to make the payment, explaining that I thought any amount due would be drawn along with any other amount due, I was told that is not the case. I asked for an abatement in interest if I paid in full, and was denied that opportunity. I was told that my account is set up for payments of {$150.00} per month, which is also not the case. The automatic draw is set up to pay the entire payment due each month. In short, I was told to read my six page statement ( front and back ) and figure it out myself.
This is not the service that I expect from TD Bank, but is more representative of a payday lender. I would appreciate your assistance in order to 1 ) reverse the interest assessed for missing the expiration of the promotional period due to lack of notice/and clear statement messaging, and 2 ) assess the confusing payment system as a mitigating factor. Again, TD argued I set it up to pay {$150.00} per month but I set the auto-pay feature to pay the full amount due each month, which has consistently drawn my account for more than {$150.00}. I fully expected that any monthly draw would include any promotional balance due for the period based on how I set up the payment in THEIR system.
My experience with the TD card rises to the level of deceptive and misleading with respect to the expiration of the promotional period, coupled with the complete lack of transparency in the automated payment system. If anything, these practices are designed to prevent consumers from paying promotional balances, especially compared to industry peer such as XXXX.
|
| 06/30/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
Older American |
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I bank at TD Bank in XXXX, VA. I have a checking account and a savings account. The checking account is an account for Senior Citizens. I am retired and receive a monthly Social Security check and a pension check from my former employer. My wife continues to work and will receive her XXXX Social Security check next month. In checking my bank statement today, I discovered that I had been charged five overdraft fees of {$35.00} each.
My account never had a negative balance. My wife and I went to the bank on this past Saturday to deposit a payroll check from her company. I specifically told the Teller in front of my wife that I was depositing a pay check and asked her to deposit the amount of the check as cash as the bank had agreed to do many times before. The Teller advised me and my wife that the check was deposited as cash. Today, I discovered that the bank had deposited {$500.00} as cash and the remainder of the check as a check subject to the banks holding policy on checks deposited into checking accounts. I called the Customer service XXXX number and explained the problem. The service representative understood my complaint and put me on hold to talk to her Supervisor. When she returned to the call, she advised that she was transferring me to her Manager to resolve the problem. Her Supervisor immediately got the Branch Manager of the XXXX Bank on the line and left the call. I explained the problem to the Branch Manager and she asked me if I had identified the check as a payroll check. I told her that I had done this as I have done many times previously. She said that the Teller was working today and put me on hold to ask her if I had identified the check in question as a payroll check. She got back on the line and said that the Teller did n't recall but later called me back and said that the Teller did remember cashing my check as cash, giving me {$500.00} at the time and depositing the remaining {$1600.00} as cash into our checking account. However, our account did n't reflect this understanding causing the {$170.00} overdraft fee. The Branch Manager said she would look into this but called me back to advise that she could n't reverse the {$170.00} overdraft fees because there has been a change in policy resulting in our account being charged the fees. I told her that we were not advised of any change in policy and the Teller had told us that the check was being deposited as cash into our checking account. Our checking account still remains debited for {$170.00}. I believe that TD Bank is fully aware of my problem and similar problems but has failed to change their accounting rules and processes because these mistakes benefit the Bank at their customers expense XXXX. I am asking the CFPB to help me resolve my specific problem by having the bank return the {$170.00} in fees to me and to look at the broader consequences for consumers if this TD Bank policy is allowed to continue.
|
| 09/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Older American |
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Our XXXX used XXXX was purchased that year in XXXX XXXX, MO ( suburb of XXXX ) and titled under both my husbands and my names.
The car was paid off at the time of my husbands death on XX/XX/XXXX. If he had ever received a lien release, Ive never seen it, and Ive kept this cars folder with the bill of sale, Missouri title, and acknowledgement of our loan with TD Auto Finance, at that time headquartered in XXXX, CA.
I have never been billed by TD Auto and renewed my XXXX license plates later in XXXX before I moved out-of-state.
This last XXXX, XXXX, Ohio, where I live now, told me I could not get plates here until I had the car title changed from both our names to just mine. I just had to produce the lien release on the car. When I told them I couldnt find one, they directed me to call TD Auto.
When I called their customer service number, I was told to FAX them a copy of Bills death certificate, written proof of my ownership of the car, and a cover letter giving them the PIN number of the vehicle and my request for a lien release.
I did all that and heard nothing for just under one month. I finally called back, was told their legal department denied the request because my lawyers letter was not signed nor notarized. I called him, he resent the letter, now signed and notarized, the next day.
Once again, no one called me, so I called back and they told me they never received the second letter. We all double-checked the FAX number ( including my lawyer ) and tried again.
Two weeks passed before I called back. That was now XX/XX/XXXX, and I spent FOUR HOURS on the phone working on this issue. I called, in order : 1. My title office here in XXXX XXXX, Ohio, to see if they had received my lien release. -No, they had not.
2. XXXX Auto Finance customer service to see if they had my lawyers letter yet and if their legal team had approved it.
-No, they hadnt received it yet.
3. My main bank, XXXX Bank in XXXX and XXXX MO, to ask if they would check the last 4 years of my checking account to see if I had paid TD Auto off that summer after my husband died.
-No, no bills or payments had passed through the account in that time, indicating the car had been paid in total before Bills death.
4. The State of Ohio in XXXX to make and appeal, or learn a new direction to take for my impasse.
-Well, the finance company still holds the power until they give you that lien release. Why dont you call Missouri XXXX where the car was titled?
5. The State of Missouri, where I was told the same thing.
Now, Ohio informed me late last week that Michigan now had authority over this company, so I called them yesterday. They told me TD Auto Finance pulled their license from Michigan in XXXX. She didnt know if theyd been bought out, but said the parent company was TD Bank NA , a national company.
She told me to file this complaint with you. The VIN number of my car is : XXXX XXXX XXXX. XXXX
|
| 03/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Problem lowering your monthly payments
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|
Web |
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As part of a process of getting my financial life under control, I have been cleaning-up my credit card situation. Due to my wife attending XXXX school and being unable to work full-time for two years, and my attending XXXX school ( twice ), the credit card debt of both myself and my wife has ballooned. For a year, now, weve been making payments and getting nowhere. This is why I decided to take action.
All of my other credit card issuers have complied with my request : close my account, lower my interest rate, and put my account on a repayment plan that will see the card paid-off within five years ( with a monthly payment that is no more than at-present ). Those who have complied include XXXX XXXX, XXXX, and XXXX XXXX. The only institution refusing to comply, and has made even the process of making such a request difficult, is TD Bank.
As the recorded phonecalls show, I made a request by telephone ( the only way youre allowed to contact TD Bank for Credit Card Services ) through a Supervisor, approximately two weeks ago, to what is apparently called the Forbearance Department ( or Team ). The Supervisor said she saw no reason why I wouldnt be approved and that I would receive a call within three business days.
I received no call. When I called back, I had to speak to 5+ people to even get an answer and the answer was ludicrous : because my account is current, not only will they not place me in the repayment program like I asked, but they will also not close my account. This, as I noted on the call, is penalizing a financially responsible individual for being both current on their account and attempting to take preventative action.
Further, as I noted on my original call approximately two weeks ago, this TD Bank credit card is not one that I asked for : I previously had a credit card with XXXX XXXX, which was transferred and/or sold to TD Bank. Although I received notice of this action, I did not provide my consent to become a credit card customer of TD Bank, nor did I receive an option to close my account instead of accept the transfer.
What I am asking for is reasonable, simple, and responsible : TD Bank must close my account, lower my interest rate, and set me on a payment plan that will see my account paid-off in no more than 5 years ( with a monthly payment no greater than at present ). This is necessary, since my current minimum monthly payment is hovering near $ XXXX/mth, with approximately $ XXXX/mth of accrued interest.
TD Banks failure to cooperate with a request that is in my best interest, rather than theirs, is unacceptable profiteering on the back of a XXXX/XXXX XXXX, a XXXX XXXX, and an individual who is seeking to take control of their finances. Since I am making hundreds of dollars in payments each month to credit cards, it is extremely important that TD Bank complies with my request, in order for me to be able to live on my XXXX/XXXX XXXX salary.
|
| 09/27/2016 |
Yes |
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|
Web |
Older American |
|
XXXX XXXX XXXX TX. XXXX I opened a Target store card in 2015 at the register after first refusing but the cashier pushed and I finally caved and it has been the worst nightmare since. I have several credit accounts, standard accounts and store accounts. I pay on time with payments that cover all or on occasion most of the current balance. I made a one-time purchase at Target using their temporary card for a little over {$100.00} purchase of toys for my grandchildren. I never received the card or the bill and it being XXXX I did n't think about it. I did n't know my account number then or now.
A few weeks later, I got a bill with a {$35.00} dollar late charge. I called and explained to a rep and it was removed ; however I did not receive a later bill. I called and asked for the balance stating I was tired of the extra charges and wanted to pay it off. I was given an amount of {$94.00} and I paid it with an online check. Apparently the routing number was n't correct and if so it had to be the clerk on their side because I know my number by heart without reading it off. I was n't notified and thought my next bill was a mistake since I knew I paid it off. I called and was told it was the wrong routing number so I gave it again. I still got bills and called again. This time I was told that I had n't made the full payment of {$100.00} and was billed late charges again on top of the difference. I explained that I asked for the total and paid what I was told. I offered to pay the difference and one late charge which I did, but would n't pay the extra late charges. To date I keep getting bills for late charges and I do n't feel I should.
I called them numerous times during all of this and asked to speak to supervisors a few times. I informed them I was a teacher and could n't pick up until XXXX daily. I did n't know the number that would call and it never said Target, but in any case they were before XXXX when I ca n't answer. When I did n't get a call I went to Target to talk to them in person. It was then that I found there is no one physically in any store to handle credit problems. The person I finally talked to called on a Saturday and was not a supervisor as requested and was very rude. He is one I paid the difference to and one late charge. Needless to say this situation is still continuing and although the store admits that they made mistakes they are not willing to drop the late charges or comp. I closed the account I never received a card for and am hoping that it is noticed that I am not behind on any other bill and had excellent credit until this. I do n't think that the consumer should foot the bill for a company that uses these type of tactics. XXXX is a website I wish I had seen earlier showing how many people received the same type of treatment as I did. I am hoping you will attach this as an explanation for this black mark on my credit report.
Sincerely XXXX XXXX
|
| 08/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
To whom it may concern, I am filing a complaint against TD Bank , N.A . regarding a fraudulent charge on my credit card for a sum of {$5300.00} that the credit card company denied. On XX/XX/XXXX, I called TD Card Services after receiving a suspicious text regarding a charge. The agent supposedly blocked the charge and cancelled my card. However, on XX/XX/XXXX, I saw that my card was still open and that there were three additional fraudulent charges on my account two at XXXX Market for a total of {$11.00} and one made through XXXX equaling {$5300.00} charged to the card between XX/XX/XXXX and XXXX. The physical card was in my possession throughout this period. I initially attributed these fraudulent charges to a USPS text scam. However, the first fraudulent charge occurred before the USPS text. I contacted TD again on XX/XX/XXXX, reported the fraud, and filed a fraud claim ( # XXXX ) well within the 60 days outlined by the Fair Credit Billing Act. This time, the card was closed. On XX/XX/XXXX, two of the charges were accepted as fraud, while TD denied the {$5300.00} charge stating that the merchant provided sufficient information to confirm my identity this information, according to a TD agent, was the details available on my credit card and my phone number. As of XX/XX/XXXX, I am still disputing this fraudulent charge. During this period, TD Banks Card Service agents have consistently misinformed me, made errors in their operations, and, on one occasion, neglected to submit my claim. They have also refused to provide detail about the merchant whose geographic location or business type could give further evidence to support the fact that I could not have made the purchase. On subsequent calls, TD Card Service agents acknowledged that their colleagues made errors. The dispute process thas dragged on for more than four months. On XX/XX/2023, TD Bank denied my case for the third time ( Case # XXXX, filed on XX/XX/2023 ). I have yet to receive mail regarding my second claim and the second denial review request. In addition, my requests to receive a call from the Claims Department and a copy of the documents used to review my case have not been fulfilled. A Card Service agent on XXXX XXXX informed me that the Claims Department is not cooperating with them regarding my case and refusing to call me. The Claims Department is also saying they are having trouble sending me mail. In addition, TDs Card Service team advised me to resolve the issue directly with the merchant, which I understand to be an unlawful course of action. As I understand it, TD Bank has a zero-liability policy and federal law states that consumers are not liable for more than { {$5000.00} } in charges that result from lost or stolen card information. TD Bank has not only falsely denied my claim, but its Card Service and Claims departments have not been transparent and consistent in their communications with me.
|
| 06/11/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
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I started the process of refinancing my home with TD Bank on XXXX XXXX, 2016. Due to no fault of my own, my scheduled closing has been delayed three ( 3 ) times. The following timeline will explain my disappointment with TD Bank and the need for an immediate resolution.
XXXX XXXX - Received a generated email from XXXX XXXX ( TD Bank Processor ) stating I was conditionally approved for my refinance.
XXXX XXXX - I left a voicemail with XXXX XXXX asking for a return call. I received no return call.
XXXX XXXX - I received another email from XXXX XXXX requesting additional documents. My tentative closing was set for XXXX XXXX, 2016 and the rate lock confirmation set through XXXX XXXX, 2016.
XXXX XXXX - I sent a follow up email restating the same questions I had regarding my documentation from XXXX XXXX, 2016. As of this day there has still been no verbal communication with XXXX XXXX.
XXXX XXXX - I had my first conversation with XXXX XXXX nine ( 9 ) days after my initial voicemail.
XXXX XXXX - I submitted all requested forms to close my refinancing.
XXXX XXXX - I received an email from XXXX XXXX stating the TD XXXX team needs more information from my HOA. I talked to my HOA representative that day and was informed that she had made several attempts prior to XXXX XXXX, 2016 to contact XXXX XXXX based on the request XXXX XXXX sent to her. XXXX XXXX never responded to my HOA representative. Therefore, I had to take time off from work to initiate a teleconference between my HOA representative and XXXX XXXX to resolve any questions XXXX XXXX had. I later received an email that day from XXXX XXXX stating she had all the necessary information needed from my HOA representative to report back to the TD XXXX team.
XXXX XXXX - I emailed XXXX XXXX asking what time my closing is set for on XXXX XXXX because I have received no update from her.
XXXX XXXX - XXXX XXXX responded to my XXXX XXXX, 2016, email repeating the same exact questions that were addressed and resolved by my HOA representative from XXXX XXXX, 2016. My thoughts : Why is XXXX XXXX asking the same questions that were resolved six ( 6 ) days ago with my HOA representative. This in itself delayed the entire closing process unnecessarily and shows her incompetence. In this same email from XXXX XXXX tells me my closing date has been pushed back to XXXX XXXX, 2016.
XXXX XXXX - I requested for the second time what is the status of my closing. She did not respond. Later that day, I sent a separate email attaching my Payoff Letter from my current lender in which she responded, " Thank you but usually I ask the title company to get this so the borrower does n't have to ''. Which leads me to believe that she completely disregarded my email from earlier in the day.
As of XXXX XXXX 2016, TD representatives have still not completed my file due to their lack of professionalism and continually ignore emails from me.
|
| 06/09/2016 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
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TD Card Services was contacted by a person who had stolen my credit card information. TD failed to properly authenticate this person when they called notifying them of an upcoming fraudulent purchase using my card, and allowed them to change the phone number ( my number ) that was associated with the account. This charge for {$6200.00} on XXXX from XXXX was processed using XXXX Payment on an XXXX and then discovered by me as a fraud. I notified TD of the fraud around XXXX XXXX. They said they would credit the fraudulent charge, close my account, and issue me a new card. I received the new card, and through a series of at least 4 frustrating phone calls, finally authenticated my account by faxing them several forms of ID. I called 3 more times as the fraudulent charge remained associated with my account. Each time I was told that the charge would be credited in 5 to 7 business days. As my credit card statement neared its due date, I notified TD in an additional call that my billing due date was approaching, that the credit had not been made, and that I did not want to see late fees, interest charges, and a notification of missed payment sent to the credit reporting agencies. My fear was that this would negatively impact my credit score as a consumer through no fault of my own. No one in their customer support could explain to me how or if the credit reporting agencies would be notified in the event of a late payment. After speaking with a fraud specialist on an additional call, it was only then determined that the credit was placed onto the old and now closed account. Predictably, the account came due and interest charges and late fees were added to my account. I made an additional XXXX calls over the last week trying to get this resolved to no avail. I spoke to a supervisor XXXX after being on hold for almost XXXX minutes who again lied to me telling me the credit would be applied the next day. It was not, only the late fee was credited. I called the next day and was told that the supervisor was in a meeting and that I would receive a call back from the supervisor XXXX and I never received a call back. I asked the representative on how I could give feedback to TD on the frustrating experience that I was having and they could provide no such contact information. I asked if the credit reporting agencies had been notified and I was not directly answered only that the fraudulent charge was marked as disputed in their system. It is now XXXX/XXXX/16 and the charge remains on my account as well as interest. There is no excuse for the breach of my account, the lies that I 've been told, and the waste of all of my time which I have not been compensated for. I am writing this in the hope that as a consumer in the United States, there are protections and sanctions against those incompetent companies who mistreat their customers, and potentially ruin their credit worthiness.
|
| 11/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 that states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies, I am the consumer and I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 that states : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX, Nordstrom and XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 in section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, XXXX XXXX and Nordstrom and the Consumer reporting agencies XXXX, XXXX, and XXXX did not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) clearly states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX, Nordstrom and XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Also 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A also states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. And 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Thank you.
|
| 08/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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|
Web |
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I am requesting assistance regarding the situation with Target Mastercard ( TD Bank ).
Back in XXXX of XXXX, my line of credit was decreased from {$9000.00} to {$200.00}. I did not receive a letter that this major change was going to occur. I witnessed the change in my credit report.
The credit card was used during the holiday.
I returned some items and made a payment in XXXX where I believed that my balance was cleared.
My statement was an e-statement, I do not frequently check email unless I know that I had a bill to be paid. The balance was {$9.00}.
On XX/XX/XXXX, when I saw the bill, I immediately paid the amount and I changed my statement type to receive it by mail.
I started receiving alerts that there was a change on my credit report and went to review the situation and saw the credit limit change.
This was disturbing because this was not a large amount where I was not paying because I wanted to neglect my responsibility on purpose, it was because I was unaware.
This damaged my creditability on my credit report, when I applied for a loan, I had to explain this incident.
I opened a ticket with XXXX XXXX XXXX to work with TD Bank ( Target ) in XXXX of XXXX.
This request to have my credit limit reinstated was declined, I was not offered any type of grace for the incident, my payment history was on time previously.
According to the Fair Credit Reporting Act, the creditor shall provide written notice of any significant change such as this large decrease. The cardholder shall receive notice no later than 45 days prior to the effective date of the change. I never received any type of notice about the significant change before it occurred.
Here it is XX/XX/XXXX, I have used my credit card and paid on time, and still the limit is still set as {$200.00}.
I wrote a letter and sent it on XX/XX/XXXX to their XXXX, XXXX address and have not received any response.
I would like to request assistance from your business to work with them to increase my limit.
Thank you in advance with this matter.
The letter information : TD Bank XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, CA Dear XXXX XXXX : On XX/XX/XXXX, my Target Mastercard credit limit of {$9000.00} decreased to {$200.00}. Im a long-time customer and I really enjoy using the Target Mastercard. According to the Fair Credit Reporting Act, the creditor shall provide written notice of any significant change such as this large decrease. The cardholder shall receive notice no later than 45 days prior to the effective date of the change. I never received any type of notice about the significant change. The decrease in the credit limit has also caused damage to my credit score. Also, it caused other credit card companies to view me as high-risk. Im looking to get this issue resolved and have the credit limit increased back to {$9000.00}.
Thank you in advance for your assistance with this matter.
Sincerely,
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| 06/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La.XXXX XX/XX/2023 TD Auto Finance XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Dispute and Request for Removal of Inaccurate Information from Credit Report Dear Sir/Madam , I am writing to dispute the inaccurate information that TD Auto Finance Company has reported on my credit report. I believe that TD Auto Finance is violating my rights under the Fair Credit Reporting Act ( FCRA ), the 4th Amendment, the Gramm-Leach-Bliley Act ( GLBA ), and other applicable laws. I demand the immediate removal of TD Auto Finance from my credit report.
As a consumer, I have the right to privacy and protection of my personal information under 15 U.S.C 1681 section 602 ( A ). Additionally, 15 U.S.C 1681 section 604 ( A ) ( 2 ) clearly states that a consumer reporting agency can not furnish an account without my written instructions. TD Auto Finance has failed to adhere to these provisions.
Furthermore, 15 U.S.C 1681c ( a ) ( 5 ) explicitly prohibits any consumer reporting agency from including adverse information, except for records of convictions of crimes that predate the report by more than seven years. The information reported by TD Auto Finance is not only inaccurate but also violates this specific provision.
According to 15 U.S.C. 1681s-2 ( A ) ( 1 ), TD Auto Finance is obligated not to furnish any information relating to a consumer if it knows or has reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting Act, I demand that TD Auto Finance correct its records and cease reporting inaccurate information to any consumer reporting agency.
The account in question has been paid in full, and it is unjust and damaging to my creditworthiness to have this inaccurate information on my credit report. This not only affects my financial standing but also violates my rights under the GLBA, the Electronic Communications Privacy Act ( ECPA ), and the FCRA.
I am aware of my rights as a consumer and the laws that protect me. Failure to comply with my request to remove TD Auto Finance from my credit report will leave me no choice but to pursue legal action to ensure my rights are upheld. I am prepared to take all necessary steps to mitigate the damage caused by this violation.
I expect a prompt response to this dispute and request for removal of inaccurate information. Please confirm in writing that TD Auto Finance has initiated the necessary actions to correct this matter within 30 days of receiving this letter. Failure to do so will leave me with no alternative but to escalate this matter and seek legal remedies.
Thank you for your immediate attention to this serious matter. I trust that you will handle this dispute in a timely and appropriate manner. Please consider this letter as notice of my intent to exercise all rights and remedies available to me under the law.
Sincerely, XXXX XXXX
|
| 08/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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|
Web |
Servicemember |
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On XX/XX/2022, I was notified by XXXX and XXXX that a new inquiry had been detected. I had not recently attempted to open any new accounts. After further reviewing my credit report, I noticed that there was an inquiry reported from TD Retail Card Service through XXXX on XX/XX/2022. This was clearly not from me. There was also a new account that had shown up on my credit report through XXXX by the name of XXXX XXXX on XX/XX/2022.
I immediately contacted XXXX on XX/XX/2022 because I pay for their monthly monitoring services. The customer service rep helped me to contact XXXX via three way calling. The person in the fraud department was very understanding and stated that there had been a lot of this happening around the holidays. She assured me that they could get the account closed and taken off my credit report and she would start the investigation. She said that she would send paperwork my way as soon as possible.
Weeks went by that I had not received anything from XXXX in regards to my fraud claim but my credit report was not affected negatively so I assumed it was either rectified or still being investigated.
In XXXX, I received a notification from XXXX that I had an account that was 30 days past due and my credit scores started to plummet. I contacted XXXX and they told me that my original dispute had been closed because they never received the appropriate paperwork back. I told them that I had never received any paperwork from them to complete and return. They confirmed that they had the incorrect home address to send it to but that there was nothing they could do because once the dispute is closed, its closed and Id have to pay the balance on the account. It was considered to be my account and I was responsible for it. I hung up with that person and called back and was able to speak to another person that understood and reopened a dispute. She corrected the address and told me that paperwork would once again be sent out.
A few days later, I received a letter stating that the dispute had been closed and it was determined that it was my responsibility. They included the receipts of items that were purchased under this account and sent to an apartment, where I don't live, under my name.
I went back to my credit report and noticed that this apartment address was listed as a previous address. I have never lived at this address.
I have sent several letters to TD Bank and have contacted XXXX and they continue to close my disputes, without notifying me, saying that this is my activity on this newly opened account, apparently by me.
This is not my account and I did not receive any goods for the {$3100.00} that was charged on this fraudulently opened account.
I have filed a police report and a identity theft report with the federal trade commission. Why would I go through all of this trouble if I opened this account and purchased goods myself?
|
| 04/01/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I was charged for 2 items that were cancelled in store when I went to pick-up the items because the items arrived broken. My online account at Target shows the store pick-up was cancelled but the card was still charged. I have been trying to resolve with Target for a few months but they have not issued a credit yet.
( 2 ) Transactions are dated XX/XX/XXXX for {$120.00} each.
Email below from target dated XX/XX/XXXX ...
Hello XXXX, Im contacting you today regarding your refund request from order XXXX.
Due to a rare technical issue, were unable to process the refund systematically, so I've requested a refund of {$240.00} on XX/XX/XXXX to your Target RedCard. You'll receive additional communication when it's completed. I do apologize for the confusion and the delay.
Keep in mind that, since the refund is being issued outside the system, it will not reflect in your Target.com account order history.
If you have any questions or concerns, please call us at XXXX and reference case XXXX. We'll be happy to help.
Thank you for your patience and have a great day!
Sincerely, XXXX Target.com Tax Team www.target.com Email dated XX/XX/XXXX ...
Thanks for reaching out to us about your recent Target.com order XXXX. I had a look, and I would like to apologize for the issues you've had with this order and for the confusion around your refund.
After further research???, I've confirmed a refund of {$240.00} was successfully credited back to your RedCcard ending in XXXX on XX/XX/XXXX. You can verify your refund with your XXXX bank statement from XXXX or talk directly to RedCard Guest Services at XXXX.
I know that you expect a great experience every time you order from us so, to invite you back for the experience you deserve, Im sending you a {$25.00} Target eGiftCard. You'll be receiving it to your email within 4 to 24 hours.
I hope this helps clear things up.
Thanks for being such a great Target guest and we hope to see you soon!
Sincerely, XXXX Target.com Order Research www.target.com Email dated XX/XX/XXXX ...
Hi XXXX, It has already been investigated and determined that Target owes me the refund for the {$240.00}. I have the email communication to prove that the refund is due. I was simply inquiring on how long the refund would take as I have not heard from anyone since XX/XX/XXXX.
The refund you are referencing on XX/XX/XXXX was for a purchase made on XX/XX/XXXX. You see these particular tables were purchased 3 times in the hopes of receiving them undamaged. The second time I purchased them, they were once again broken and I canceled the order in the store as it shows on my online account. However, the store still charged me that day ( XX/XX/XXXX ). The is the refund I need.
Who do I need to speak to for processing the refund? I would also be open to a gift card in the amount of {$240.00} to get this settled.
Thanks, XXXX XXXX
|
| 08/29/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I reached out to the CEO of Nordstrom in reference to late payments on my credit report. Upon receipt of my email, Mr XXXX forwarded my email and documentation to XXXX XXXX for review. I explained my issue to Ms XXXX in writing on XX/XX/XXXX and XX/XX/XXXX and provided documentation. In XX/XX/XXXX, I lost both of my parents and my sister to XXXX, I was diagnosed with XXXX due to these losses, I was a victim of identity theft and I was on the verge of being evicted from my apartment. I was able to pull myself back up as I wanted the best for my 3 children and with the help of my remaining family and get my life back on track. I obtained a new position in XX/XX/XXXX with XXXX XXXX. With this new position, I was able to re-align my goals and finances. I knew that by the end of XX/XX/XXXX I wanted to become a homeowner and revive my credit history. With the identity theft issue, I had to get new bank accounts and cards. With the new position, I was afforded a new bank account with my new employer. It was an exceptionally busy time and my life as I was regaining MY LIFE and balancing a new career and being a single parent of XXXX children, I had not realized that I had missed my credit card payments as the bank account being used was the one I had closed due to identity theft. I was only notified of this issue by the bank and not by Nordstroms as I made purchases during this time.. This is in NO way how I wanted to regain my financial independence and credit worthiness. Once this was noticed, I immediately made a single monthly payment of {$600.00} to pay bring my account current and keep it current. I pay off my balance every month now. A brief look at my account will reveal I have successfully made on time and in full payments since my unfortunate oversight in XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX.Recently, I have embarked on one of my major life goals, that is to purchase a HOME for myself and my children. However, this incident has come back to haunt me as these late payments are hindering my chances with a mortgage. I have worked extremely hard to get back on my feet, become financially stable and regain my credit worthiness. I am literally crying as I write this as I have come so far and I do not want my past indiscretions to hinder what I am working so hard on.
Both responses from Ms . XXXX stated that the information was reporting correctly and that they are obligated to report account behavior accurately. I was requesting a goodwill late removal and I do not believe they fully investigated my hardship and saw that I have shown goodwill measure over the last 6 months, by paying my entire bill as well as paying my account in full each statement period.Attached you will find the identity theft police report, payment history to show I brought account current immediately, statement showing I carry no balances and last letter from Ms . XXXX.
|
| 10/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' NORDSTROM TD BANK USA is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' NORDSTROM TD BANK USA the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, NORDSTROM TD BANK USA whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
|
| 05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I was hacked on my laptop on XX/XX/XXXX in 2020. This was right before the Covid-19 pandemic started to get very serious in the XXXX. All my credit cards and accounts were compromised and I needed to cancel them all. I had no safe internet source to use so I had to depend on my landline that wasn't completely safe, as it is tied in with my XXXX and is a cordless phone. I called all my card companies and Target XXXX XXXX XXXX was the only one that did have a charge on it of XXXX that was not authorized by me and I am the only person who holds a card in my name. We live 200 miles from the nearest Target store, and nothing was ordered. They said a form would be sent to me to explain the fraudulent activity new cards with new numbers would be sent. I got the form, filled it out in detail, and sent it back per their request. I got the new cards, but when I tried using them several months later, for a couple of gift cards online, they would not process. I tried the activation process again with the card and it seemed to process, but the card could not be used. I had a zero balance on the account, as I used the card rarely anyway. I didn't worry much about it, since I use my Debit card for most things. In XX/XX/2020, my handbag was taken from my car, and the new Target card was taken. I couldn't believe it. So I called and canceled the current one and ordered a replacement. It was automated so I didn't get to talk to anyone about not being able to use the card. I tried several more times after I received the new card to activate it, and it was not working. I called the customer service number and each time I called, it would get me an automated person, and when I gave my credentials it would say i needed to hold the line for a representative. Each time I called and did this, which was about a half dozen times, I would be on hold and eventually be cut off and the phone would go dead. It's like my account has been flagged, but if so, I need to know what the issue is and get it straightened out. I have done absolutely nothing wrong and now the biggest issue I have is, my XXXX Credit score has dropped XXXX points because Target without warning, dropped my credit limit from XXXX to XXXX. That is the kiss of XXXX on a credit score and my credit score is impeccable and I have not been late nor missed a payment in 25 years on anything. I get my credit limit raised, I do not get it decreased. I don ' t care if I ever use the Target account again and would just close it if it didn't jeopardize my credit score, but I will not stand for a XXXX point drop in my score because of a company not responding to my calls and emails. Please please see if you can be an advocate and get Target to contact me and get this settled. I had the same issue with XXXX. It took six months and two months of an incorrect poor credit score and the FTC to fix it.
Thanks, XXXX XXXX
|
| 11/21/2023 |
Yes |
- Credit card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I recently set up an account with TD Bank Card Services to finance the purchase of a lawn mower and was provided a XXXX credit card with a 48 month interest free period through them. The account was applied for on XX/XX/23 and I received my first correspondence from TD Bank on XX/XX/23 at which point I promptly set up my online account and automatic payments. The first bill due date was XX/XX/23.
I noticed that auto pay pays the bill on the due date and I reached out to TD Bank customer service expressing concerns about any potential glitches on their system whereby the ACH payment would not process thus making my bill late and was reassured by the representative at that time, in an almost laughing tone that I did not need to be concerned about that happening.
On XX/XX/23, wanting to be clear as I was still unconvinced by this call, I made a payment of {$300.00} which was marked as posted and credited to my TD Bank account on XX/XX/23. I again reached out to customer service because while TD Bank was crediting me for the payment and marking it as posted no money had been pulled from my bank account and my bank had no record of incoming ACH transactions from TD Bank. The rep again reassured me that everything was fine and that it could take up to 4 business days ( it had been 5 at this point ) Wanting to make sure I was in the clear I made an additional payment of {$150.00} ( the minimum was {$140.00} ) on XX/XX/23, on top of that my auto pay was also credited so at this time TD Bank had credited me with XXXX payments on the account ( {$300.00}, {$150.00} and another {$150.00} ) none of which were pulled from my bank account.
In all I have made about 10 phone calls and sent 3 messages to TD Bank about this matter and gotten know where. On XX/XX/23 the payment of {$300.00} was reapplied to the TD Bank account and I was assessed a return check fee of {$25.00}. The other 2 payments have not yet bounced back, but in talking to the rep on XX/XX/23 they verified with me that the account and routing numbers I provided matched that of the numbers on my XXXX XXXX XXXX and reps from XXXX XXXX confirmed that the numbers on the checkbook are valid. Additionally I use those same numbers to pay XXXX other credit card company which process my payments with no issue.
After the rep had confirmed the numbers for me, I logged into my XXXX XXXX account got another XXXX based routing number from my account and set up a new payment, this time for {$450.00}. After submitting that payment it again never posted and this time was never credited so I canceled the payment and submitted another payment of {$450.00} on XX/XX/23.
I have made way more attempts at resolving this and given this way more effort that TD Bank and it almost feels like their payment issues and continued reassurances are intentional to disqualify me from the interest free promotion.
|
| 03/01/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
We have had business and personal accounts with a particular bank for decades ( combined ), with the local branch having played an important role to helping our business get started. My husband and I are sole owners, which is evidenced on all the signature cards. We live in a rural area and there is no mail delivery on our road, so have a XXXX XXXX When the bank mailed several of our business credit cards to the street address vs. the mailing address ( again ), they of course never arrived. With 3 days to spare before the cards expired, we made arrangements for replacement cards to be sent to the local branch for physical pickup so we could activate and get into employee hands before the old cards expired. The only employee left who would have known our history was out for the afternoon, so the inexperienced bank employee would NOT release them to us, would only release to the employee who were nowhere around due to the nature of our business. No matter what we did to explain that we own the business credit card account, not the employee, and that the employee ca n't activate the card without our personal info, nor would they agree to call their internal card services dept to verify we asked the cards to be overnighted to the branch and why, they simply refused to give us the cards we requested. I then asked them to mail the cards to our business mailing address ( XXXX ), they did, but instead of going to the XXXX to mail, they put them in their internal courier system and I did n't receive for 15 days, well beyond when several cards had expired for my employees. In my utter frustration since this was n't the only business account that we 'd had major service issues with, we began to move accounts to another bank, including the direct deposit accounts for Health Savings Accounts for XXXX of our employees. We completed the information to do a bank to bank transfer of the HSA funds to ensure the proper coding, submitted the forms to the bank on XX/XX/2017, and re-submitted 2 other times since, in spite of fax transmission records to prove otherwise, they claimed they never got them. The XXXX HSA accounts were never closed until XX/XX/2017, while the bank continued to asses {$4.00} per month service charges to each account. Then, the checks got lost in the mail again ( hmmm ) and were n't received by the new bank until XX/XX/2017 for credit to the new accounts. The obvious other piece is that my employees had no access to those funds to pay their medical bills for all of that time, and XXXX of them received late charges from medical bill collectors for non-payment, all due to this bank taking this extraordinarily long time, from XX/XX/2017 till XX/XX/2017 to get funds transferred. This is very, very, very poor service, very poor practice to assess fees and refuse to reverse them by taking any responsibility for their own internal practices.
|
| 05/24/2016 |
Yes |
|
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Web |
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I had a Fred Meyer Jewelers Platinum Preferred credit card and my balance due for my XXXX 2014 statement was {$48.00}. The minimum payment due was {$25.00} by XXXX XXXX, 2014. I made an on-line bill payment by mail through my checking account on XXXX XXXX, 2014, the {$25.00} was posted to my account on XXXX XXXX, 2014 with Fred Meyer Jewelers, which was not a late payment. I had forgotten that I had made this payment by through my bank, and called the customer service line on XXXX XXXX, 2014, and had made an additional payment " by phone '' of {$25.00}, which was posted to my Fred Meyer Jewelers account on XXXX XXXX, 2014. I realized my mistake, on or about, XXXX XXXX, 2014, and called customer service to ask them to reverse my last {$25.00} payment " made by phone '', and would pay them the {$23.00} amount due, since I actually overpaid my balance. They did cancel the phone payment of {$25.00}. I received the XXXX 2014 statement from Fred Meyer Jewelers which showed that I was charged an NSF check charge assessment. I called the Account Services Department, and asked them why I was charged the NSF check fee when they had already received a check from me in the amount of {$25.00}, which was the minimum amount due the last statement, and that the phone payment I made on XXXX XXXX, was not a check, and that I had been in good standing throughout my entire period of activity with them, and asked that they reverse the erroneous NSF check fee charged. The said they would not reverse the charge. I then contacted them by mail at : Department of Accounts, XXXX, NJ, XXXX, to request that they reverse the erroneous NSF check charge, since the phone payment I made would have been an over-payment since I only owed {$23.00}. They said they would not reverse the charge and that anytime a customer asks to reverse a charge, that they are automatically charged an NSF check fee charge. I received a letter from Fred Meyer Jewelers dated XXXX XXXX, 2014, which stated I needed to make a payment for the alleged " return check '' within five business days to avoid additional charges to my account -- I received this letter on XXXX XXXX, 2014, and I paid my remaining balance of {$23.00} which was posted to my checking account on XXXX XXXX, 2014. This bill pay through my bank was expected to arrive to Fred Meyer Jewelers by XXXX XXXX, 2014, which was within five business days. However, Fred Meyer Jewelers assessed a late fee in my XXXX 2014 statement, and also the XXXX 2014 statement, and the XXXX 2014 statement they assessed a fee ( which is not stated on the statement what kind of fee it was ) of {$35.00}. I do not believe a credit card company should have the ability to assess fees although the account is paid in full, and there were no late payments, nor were there any checks returned by my bank to me as " NSF '' checks, as Fred Meyer Jewelers has alleged.
|
| 11/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/2020, I received info that I have a balance with Target credit card 0f XXXX $ and it was overdue so a missed payment fee was added to the account- fee of 30 . I did not remember making any recent purchases with that card in XXXX, at the mentioned location, as it was far from my house or the location where I shop usually also, when I checked my wallet, I saw the card missing.
I called the customer service to require more info about the purchase and was told that they can put the dispute under investigation. I asked if I have to make a payment while the dispute is reviewed and was told that _NO, until a decision is made I have no payment to make.
On XX/XX/XXXX I recieved the letter stating that my dispute is denied and I have to make a payment, so I did pay the amount required. At that point I also noticed that they added one more late fee of XXXX $ to the account, so my balance was XXXX $ already.
so they added the amount before I was aware of the decision regarding the dispute, and they also reported my account to the credit bureau and that affected my credit history by 120 points.
I had an account with them for over 3 years, and my account history was positive. I was a good paying client. It is not professional to Add an extra fee to the account before I have info regarding the dispute and also to report me to the credit bureau before the status of the dispute is announced to me.
I found out about the status on XX/XX/XXXX, that is when I recieved their letter and I paid my balance right away. On XX/XX/XXXX I recieve a call from Target collection department and the lady is asking for a payment. I told her that I payed yesterday, she double checked and confirmed the ayment was made. After 1 week I found out that my account was reported to the credit Bureau and that lowered my credit by 120 points.
I called Target to clarify why they reported me, before the status of the dispute was announced to me and why I was reported if my balance was cleared. The lady advised me to file a dispute with XXXX regarding the activity and that Target will also follow up with a letter to XXXX to inform that my account was wronfully reported, due to the fact taht I still had a dispute open or the dicision on the dispute was not announced to me, when the account was reported.
On XX/XX/XXXX I followed up with XXXX and they Informed me that as of XX/XX/XXXX Target informed XXXX bureau that I had a balance of XXXX $ still open on my Target account.
Please assist me and advise me on how to proceed and also to fix my credit score.
I believe Target services were acting unprofessional and it was wrong to report me to the Credit bureau before the decision on the dispute filed was announced. Also it was wrong to report on XX/XX/XXXX that I still have an open balance of XXXX $ when my balance was covered the account was up to date in XX/XX/XXXX.
|
| 03/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
To whom this may concern, I am writing this letter as a long time TD Bank Customer. I believe my first account was opened up with the assistance of my parents as a young teenager and I have been banking with them ever since. I have held both a Personal Savings Account as well as a Personal Checking Account and for the last 5 years have held a TD Bank Credit Card as well.
On XX/XX/2023 I noticed there were unauthorized purchases made using my TD Bank Credit Card. There were multiple unauthorized purchases made using my card. I immediately called TD Bank Card Services to report this. I was told these unauthorized purchases would be taken care of. During that conversation on XX/XX/2023 the current credit card I had was cancelled and I was told I would be issued a new card and that it would arrive in approximately 7-14 days.
On XX/XX/2023 I noticed that my auto-payment that I had set to pay my monthly balance on the card did not go through so therefore I received late fees and interest charges. On that date I also noticed two other unauthorized purchases. I called TD Card Services again to report these new finding and concerns. And again I was told this would be taken care of.
After my initial two phone calls I placed one more call on XX/XX/2023 to follow up as I did not see the late fees or interest charges removed from my card. And again I was told that it would be taken care of and that it would be reflected in my account within the next 2 business days.
Fast forward to XX/XX/2023 I receive a letter in the mail stating my TD Bank Credit Card account has been put into collections. I call the phone number listed on this letter and am explained that I have not been issued a new credit card and will not be issued a new credit card due to being placed in collections. No one could explain why my account was placed in collections and they were requesting a {$6.00} FEE to remove my account from collections. They were unable to explain the fees or outstanding balance.
It is now XX/XX/2023 and this situation is still not resolved. I have made five total phone calls and two in person visits to a TD Bank Branch. There are still two unauthorized purchases on my account that are listed in my monthly statement. At this point, I believe that TD Bank has not acted in accordance with Regulation EI have continually been told that these items will be taken care of and they have not been. I have not received any formal response from TD Bank regarding these disputed transactions, either approving or denying my claim of Unauthorized charged as described under Regulation E.
I am a patient and understanding person but this is an extremely inconvenient situation that is having a negative impact on my daily life along with my good standing credit. I have decided after nearly XXXX decades as a TD Bank Customer, I will no longer be banking with them.
|
| 07/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I am XXXX XXXX, and the author of this complaint.
There is an Original Complaint with TD Bank/Target, and the ID is XXXX. That complaint was created because of missing data on this tradeline, and inaccurate data.
This complaint is in regard to the same issues - except this time, I am including one of the CRA 's on this complaint - so I do not become its middle man. Each time I dispute has been lodged - both TD Bank, and the CRA 's point their fingers at each other.
TD Bank ( Original Creditor ) - I am relying on the rules that govern you, as a Data Furnisher, and acting on your own behalf as the Debt Collector on this account.
https : //www.ecfr.gov/cgi-bin/text-idx? c=ecfr & SID=89d50ede6e4072bde4d4a944a89bd200 & rgn=div5 & view=text & node=16:1.0.1.6.77 & idno=16 # se16.1.660_13 In this dispute - the CRA, will be XXXX, and for XXXX - I am wholly relying on FCRA.
https : //www.ftc.gov/enforcement/statutes/fair-credit-reporting-act I am attaching screen shots of my Credit report and then from XXXX 2 sources, and as noted below.
My XXXX XXXX XXXX in this complaint ) - and XXXX ( XXXX in this complaint ).
XXXX XXXX XXXX - 1. The Account Number is NULL, or Blank on the raw credit report, XXXX from XXXX 2. This Account Name states that this account is CLOSED.
3. This Tradeline is then also reporting Available Credit and it can not /should not.
4. As a result, this Tradeline is then reporting, Debt to Credit Ratio, when it can not /should not.
5. XXXX Reported Balance/XXXX = XXXX Percent you are erroneously calculating/reporting 6. The Pay History - remains incomplete/Rating is incomplete, but it was reporting previously.
7. The Balance History is nonexistent.
8. Please ensure the Balance History and Pay History is complete and then accurate on this tradeline leaving these values NULL/Blank, makes this inaccurate and incomplete 9. Of whats reporting, the start date for 30 days, are reporting differently in each report ran on the same date, and again From XXXX and then XXXX 10. Only one can be accurate. Please see attached.
11. The FCRA/DOFD can then not be accurate and based on the two - 30 marks, in Pay History.
12. Please resolve the Pay History to be accurate, and to reflect the actual DOFD/FCRA Date 13. Then it remains impossible to be 120 days late in one month, and then 120 days late in the next please resolve 14. There is then a Credit Limit on this closed account, that I do not believe can be reported, additionally this is where you are erroneously calculating a Debt to Credit Ratio from.
15. Because this account is charged off/closed, I do not believe there are applicable TERMS that can be reported 16. Creditor Classification is Unknown and should not be, please assign a valid value.
While this Tradeline has been disputed previously - it lacks the Disputed tag - please ensure this is accurate.
|
| 02/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My problem is with both TD Bank/Target Red Card Services and XXXX, Target had a charged off credit card account that I paid {$2700.00} on to settle before Covid hit in XX/XX/XXXX. They had already written this account off for {$15000.00} when they added a bunch of fees and interest. Non the less I paid it as requested, I had two payments of {$680.00} to pay when XXXX got me XXXX and almost XXXX me. When I got back on my feet and was able to actually pay down the charged off account to a {$0.00} balance/full settlement I had to start over with {$4000.00}, which I paid XXXX and finally the last {$1000.00} on XX/XX/XXXX. They sent me a paid off letter, same one they sent XXXX, which obviously interprets things differently because they left my balance as a {$12000.00} balance, which it isn't. My balance is {$0.00} and this account is settled in full. It should of been taken completely off my credit file as a negative item. This am I get an email showing my dispute to XXXX XXXX is wrong, still showing this as a negative item, even though it is supposed to be a {$0.00} balance. It never had a {$12000.00} balance, because I paid {$1000.00} on XX/XX/XXXX, then {$2000.00} on XX/XX/XXXX, then another {$1000.00} on XX/XX/XXXX where it was settled per Target Red Cards agreement, The numbers that were written off shouldn't be showing as a balance still, but it does on XXXX so I disputed it again with the {$0.00} balance letter I received from Target on XX/XX/XXXX.
So this afternoon i got an email alert from XXXX ( a service i pay for ) saying XXXX posted the wrong information to my account, like its a " bad '' thing I paid off a charged off account, which is wrong! It violates the letter of the law of the FCRA of XXXX with accuracy mistakes and fairness. Some " XXXX ' from a third world country, who was laughing at me, while going through the verification process again. This time I got heated because they were just playing games with me, a clear violation of Fair Reporting of information on my file. I'm writing in because I have spent 6 months working on my credit files with the three major reporting agencies, fix one item, another error such as this comes from a positive? How is that. Because XXXX, nor any of the Creditors is held to Fair or Accurate Reporting of my information on my file on line. I have proof I settled this to {$0.00}, TD Bank/Target Red Card Services Representatives sent me a " Congratulations Your Red card Balance now has a zero balance '' letter, but XXXX XXXX it up and turned a positive situation into a negative. I want this NEGATIVE INFORMATION removed immediately because it's not factual and it's vindictive. The next complaint i make will be with XXXX XXXX, State Attorney in Florida, where i live and where this business was conducted with these creditors/credit reporting agencies, etc. I will seek damages.
|
| 10/13/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XXXX by way of TD Bank is acting unacceptably and unfairly against me. I've been a Credit card company since XX/XX/2016, and I have never had any issues. I live with XXXX XXXX and had a prior incident that left me with XXXX XXXX, so I have to write my pin number on my card. I lost my card and or never got the card, can not remember due to my XXXX XXXX and someone stole it and began using it. I filed a claim with XXXX, they sent me another card with the same pin to the same address, and that particular card I know factually that I did not get. At this point, XXXX is charging me over XXXX in credit charges with NO proof it was me who made the purchases. This is not only upsetting but spiking and triggering to my anxiety. This is now causing me my health. I also got a letter in regards to the 1st of the 2 claims and I was told that the card was activated at some number with an Arizona area code. I have a XXXX XXXX, Ca area code phone number. I do not have a phone number that is from Arizona. So they denied and closed my claim prematurely because it was activated on a number? That number could belong to anyone, even a family member of mine. At the end of the day If the card was activated justly, but I forgot, that happens- but it was lost and or stolen and someone used it without MY permission. I feel targeted and I am now a victim a third time because this company decided to give my claim one look over and rush to resolve with their best interest at heart. This is unethical and also, discrimination in regards to blaming me for the lost and stolen usage because of the PIN on my card. I know lawfully you can not discriminate against a consumer/customer because of that need- many elderly people have to do the same. The agents on the phone are rude and do not try and help- they leave me on hold for 20 mins at a time. It is truly unacceptable.
There were charges in XXXX in another state- in XXXX XXXX XXXX . I, unfortunately, have never been to XXXX XXXX XXXX. So this is really upsetting that XXXX is getting away with treating customers this way. Discriminating against me and my mental state and my XXXX XXXX issues. This is really upsetting.
I am being denied without thorough evaluation! I filed two claims, they combined the two into one and denied them both at the same time, which is unacceptable. Especially in a financial institution.
It is illegal to discriminate based on race, mental health, economic standing or anything else. PERIOD! Also, the bank is supposed to be working for and with me, not against me. This is what's happening here. 1. Being lazy and not researching in great detail.
XXXX is making a bias and unethical decision based on miscommunication. They are using my lack of XXXX on whether or not I activated the card on whether or not I used it. The card was lost and or stolen and used without my permission!
|
| 12/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
In XXXX of 2022 I turned XXXX, so my mother and I went to TD Bank in XXXX XXXX XXXX to remove her off of my account. We filled out all of the paperwork and thought we were all set. Later this year on XX/XX/XXXX, there was {$320.00} taken out of my checking account and sent to my mothers because she overdrafted hers. The woman we spoke to said that the woman we worked with in XXXX had since been terminated for not doing her job corrrectly. We then refilled out all of the paperwork to get her off of my account. They also told us there was nothing they could do to get my money back. We let it slide because they said they had an incompetent worker. Now, three months later on the morning of XX/XX/XXXX, there was {$230.00} taken out of my account and sent to my mothers again because she had overdrawn her account. Me and my sister, sick of this happening repeatedly, went to the XXXX XXXX and spoke to someone about why this was happening. She stated that it was because my mother was on my account. We told her that my mother and I had filled out the paperwork to get her off multiple times now and that I expect my money back. We then spoke to the lady who did my mother and I 's paperwork for this back in XXXX and she pulled it onto her computer and said that the paperwork had bounced back and had no idea why, she did some digging and said it was because she put my checking account and savings account on the same paper and that wasn't allowed. So, for the second time this bank messed up this paperwork and cost me over {$500.00}. This lady told us she specifically couldnt do anything about getting my money back and told us to call customer service. We went home and called and spoke to many people for many hours. They all agreed that this is absolutely ridiculous and stated that what they have done could be considered fraudulent. They sent an email to the branch managers and all supervisors and said to go back to the bank and they would get me my money back and that there would be an investigation. We went back to the bank and she said that everything the bank did they had a right to do and that I would not get my money back. She also said that the lady who helped us in XXXX knew that it had bounced back and tried to contact me and my mother via phonecall. My mother and I never got any calls nor ever had any voicemails regarding anything to do with our bank accounts. But again my sister and I were litterally standing right there when the woman from XXXX pulled my account up and said she had no idea why the paperwork was sent back. So, after XXXX XXXX hours of phonecalls, lying, and just straight up rude and disrespectful managers with XXXX XXXX TD Bank. I am now out {$560.00} and have moved all of my remaining money to a completely new bank. I have never had an issue with TD up until this year and this is just absolutely ridiculous.
|
| 04/11/2017 |
Yes |
|
|
|
Web |
|
|
XX/XX/XXXX charge credit card {$1700.00} call credit company explain just found now ex-room mate made charge while out town without my permission they told me call company charge made to XXXX online charge call them lady said talk to her boss see refund charges back to me XXXX refund me {$1400.00} call td bank credit card company when got statement told them that did not refund whole amount so they XXXX all XXXX of us talking on phone charge {$250.00} for shipping well online store have free shipping lady said be too much lost of amount told lady was not aware of charges file police report this not right merchandise that was order never came to my residential such big item exercise equipment that item had set up day/time for XXXX to delivery never delivery send back to XXXX lady from company said call me back 3 days she never call me back again wait 5 days call TD credit card saying never call me back file dispute against have copy police report with case number sign paper work should get 10 working days NEVER received paper work again call TD bank told never got paper work that this time send paper again attack copy police report fill paper will be case number i been dealing with TD BANK from XX/XX/XXXX-XX/XX/XXXX they are not good credit card company this disputes was handle very poorly NOW final got letter saying case is close more than 60DAYS this going on and on since XX/XX/XXXX-XX/XX/XXXX how can this dispute be close on top this letter sent me was wrong amount that was dispute letter amount {$1700.00} that should be {$250.00} and still make payments on dispute charge of {$250.00} that all own them anyway not going use this card until remove and credit money own me if professional when call about this amount in XXXX should been removed from my bill when ask dispute lady dispute amount appear statement she told me it up to me if send in monthly payments of dispute amount good thing did because they did not know what they are doing my credit will be ruin messing with TD BANK dispute amount should been remove until been resolve lastly call TD BANK ON FRIDAY XX/XX/XXXX ask them what can be done they suggest calling XXXX again put me on hold lady could not find there telephone number than want me write letter to TD BANK to reopen my case XXXX since too longer than 60days explain that was not my fault this case start in XX/XX/XXXX -XX/XX/XXXX something should been done and finish i was in right time frame when file dispute not my fault that TD BANK dispute department fell there commitment handle within 60 days item was charge on credit card without my permission on XX/XX/XXXX for {$1700.00} the credit back {$1400.00} not shipping charges like said was not ship to my home merchandise at XXXX location waiting for day/time be delivery never delivery still paying on this dispute from XX/XX/XXXX UNTIL NOW THIS IS XX/XX/XXXX.
|
| 06/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
Complaint Regarding Deceptive Marketing and Closure of Credit Card Account I am writing this letter to express my deep disappointment and frustration with the recent experience I had with TD Bank. As a long-standing and loyal customer, I have always trusted TD Bank to provide excellent services and maintain transparency in their dealings. However, a recent incident has left me questioning the integrity of your institution.
On XX/XX/XXXX, I received a marketing offer in the mail, addressed to me personally, signed by XXXX XXXX, Vice President of TD Bank. The offer detailed an opportunity to upgrade my existing TD Credit Card to a new TD Credit Card, boasting improved features and benefits. Enclosed, I have attached a copy of the marketing offer for your reference.
Excited about the potential benefits of the upgraded card, I promptly contacted TD Bank 's customer service on [ date ] to proceed with the upgrade. To my utter surprise and dismay, I was informed that my credit card account had been closed. This revelation came as a complete shock, as I had not received any prior communication regarding the closure of my account.
The discrepancy between the offer I received and the subsequent closure of my credit card account has raised serious concerns about TD Bank 's deceptive marketing practices. It is inconceivable that a representative of your institution, XXXX XXXX, would sign a letter with an offer asking me to upgrade my card, only for me to discover that my account had been closed without any prior notice or explanation.
I have been a loyal TD Bank customer for many years, entrusting my financial needs and maintaining multiple relationships with your institution. However, this unfortunate incident has severely eroded my trust in TD Bank 's commitment to customer satisfaction and ethical business practices.
I kindly request a thorough investigation into this matter and immediate resolution to reinstate my credit card account or provide a satisfactory explanation for its closure. Moreover, I expect appropriate compensation for the inconvenience, frustration, and potential damage to my credit history caused by this unjust closure.
If this matter is not resolved in a satisfactory manner within a reasonable timeframe, I regret to inform you that I will be left with no choice but to consider closing all my existing relationships with TD Bank. It deeply saddens me to contemplate severing ties with an institution I have trusted and relied upon for so long, but I can not continue to maintain a relationship with an institution that engages in deceptive practices.
I trust that TD Bank will take this matter seriously and take swift action to rectify the situation. I look forward to a prompt response addressing my concerns and providing a resolution.
Thank you for your attention to this matter.
Yours sincerely,
|
| 10/09/2023 |
Yes |
- Credit card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I used my XXXX XXXX to purchase two duvet covers through the XXXX XXXX program and returned them in new condition, adhering to their return policy for XXXX merchants. While XXXX promptly refunded one cover, they refused to refund the other, claiming it was worn, despite it being returned in new condition. XXXX provided no evidence or clarification about their '' 'worn '' claim, and they falsely blamed the XXXX XXXX partner for the decision.
In addition to this, XXXX declined refunds for XXXX other returns, each time offering different but incorrect explanations. Despite these issues, I continued to place new orders on their website, which were successfully delivered on XX/XX/XXXX and XXXX.
As XXXX failed to respond to my attempts to resolve the issue, I filed disputes for all XXXX transactions with XXXX XXXX around XXXX XXXX. I submitted documentation, including tracking numbers confirming delivery, and provided photographic evidence for the new condition of the " worn '' duvet cover, along with a email from the XXXX merchant to XXXX requesting that I be refunded.
The dispute process was frustrating. I encountered difficulty even filing a dispute, being sent around in circles for days. After it was filed, I received contradictory letters about the disputes, some stating that the all the disputes had been closed, while others claimed they were still being pursued. After filing a complaint with the Better Business Bureau, XXXX eventually refunded XXXX items but remained uncooperative regarding the " worn '' item. After multiple follow-up calls to XXXX, they agreed to issue a refund, making me financially whole.
After initiating the disputes, my XXXX account ceased functioning properly. This is very troublesome as a XXXX adult who struggles to shop in the store. After the dispute, I could place orders on XX/XX/XXXX and XX/XX/XXXX, but both were cancelled hours later. I want to emphasize that this issue did not arise due to the amount of returns, as my account worked fine before I opened the RedCard disputes, as I was able to place orders on XX/XX/XXXX and XX/XX/XXXX. Both XXXX customer service and XXXX customer service confirmed that my account was locked due to the disputes filed on XX/XX/XXXX, citing " irregularities that could not be resolved. '' They explicitly stated that XXXX XXXX is managed by XXXX and only " powered '' by TD Bank. Locking my account solely due to the disputes, despite eventually agreeing that I was owed a refund in all XXXX disputes, appears to be retaliatory and XXXX potentially violate the Fair Credit Reporting Acts rules against retaliation stating the issuer " may not close or restrict your account ( though it can apply the disputed amount against your credit limit ) '' and " cant discriminate against you if, in good faith, you exercised your rights under the law to dispute a bill. ''
|
| 11/01/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
|
I have called and am now writing Nordstrom regarding a charge for an item I returned that has not been credited. I purchased 6 bras on XX/XX/2021, online at Nordstrom.com. The items were sent in 3 packages of 2 each. The first package which said it was delivered ( I get notices in my email ) did not arrive. The second and third package arrived within a day of each other. I returned the remaining 4 items on XX/XX/2021 using their Nordstrom label which I obtained from their website online following their protocol.
I called them on XX/XX/2021, regarding the package that did not arrive and they credited my account for those 2 items. I then received a bill from them for some of the items due XX/XX/2021 so I called the credit department to check on receipt of the package I mailed but they did not receive it. They told me to pay the minimum due and wait. I paid {$38.00} on the XXXX. I then proceeded to call them on XX/XX/2021, where I got a case number and XXXX of the remaining 4 items were indeed credited in a timely manner. I called back on XX/XX/2021, when I realized that one item was not credited. I was told it would be in 3 days. I called XX/XX/2021, and was told the charge got auto denied and she would try to override it. I requested that someone contact me when this was done. I called back on XX/XX/2021 to make sure that my interest charge was reimbursed and to once again check the status of the return. The interest charge was credited but not the item. I was told it was sent to the correct department but it took 5 days from the date sent to this department to be recorded something the previous supervisor did not tell me instead assuring it would be done in 3 days. I doubt she knew of this 5 day time frame. This time I was again reassured I would be credited on Friday XX/XX/2021 by XXXX XXXX. I wasn't.
It is XX/XX/2021 and my credit card once again is due on XX/XX/2021 with the remaining balance for this charge. I am not paying it ( it is under {$50.00} ) and I am sending them a letter of dispute to go along with my phone calls. I will be mailing it via certified mail. I am requesting your help in resolving this issue.
The surprising thing about this is XXXX had a stellar reputation or so I thought. I am quite disappointed in their inability to get this done and their continued statement of another 3 or 5 days. XXXX on the other hand credits me without documentation and only my word. I buy a lot from them but still I believe that is their policy and probably why people purchase from them. They credit once they receive information from the carrier that the package was sent. Why can't other companies learn from this practice? They have great customer service. Nordstrom not so much and their reputation has not only a blemish but a huge spot on their record and it would take a lot for me to order from them again.
|
| 01/04/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I 'm basically filing this complaint against TD Bank, just to set the record and get the facts straight with the following situation : On XXXX/XXXX/15, I went to the XXXX, XXXX XXXX XXXX TD Bank branch to make a deposit so that I would n't receive any overdraft fees but when I got there I discovered the branch 's ATM was malfunctioning and not accepting deposits. At that point in time I realized I was not going to be able to make it to another TD Bank branch by the cut off time of XXXX XXXX, to avoid being charged several overdraft fees. So at that point in time I called TD Bank 's XXXX customer service number and after waiting for over half an hour, I was finally connected to a live TD Bank customer service representative. I explained what had happened and that same TD Bank customer service representative told me that I had nothing to worry about as long as I made the deposit at another TD Bank branch, on that same day, before XXXX, and he assured me that he was going to note my checking account so if by chance I did receive any overdraft fees, they would be instantaneously reversed/refunded due to the malfunctioning ATM, which the TD Bank customer service representative clearly and endlessly kept referring to as a bank error. So the next day on XXXX/XXXX/15, I received {$140.00}, worth of overdraft fees so I called TD Bank 's customer service XXXX number back and I explained my situation, especially the note that had been placed on my checking account the day before by the another TD Bank customer service representative, to the new TD Bank customer service representative that picked up my call. After reviewing my checking account, the new TD Bank customer service representative told me that the note never mentioned, authorized or suggested that any overdraft fees should be reversed or refunded. So I quickly requested to speak to a supervisor. So after going back and forth with the TD Bank customer service representative and supervisor and also after they both, together, reviewed my checking account several times, they reversed/refunded the {$140.00}, worth of overdraft fees. But they stated to me that it was being done as a courtesy and that 's why I 'm filing this complaint. It should 've never been labeled, noted, called, referenced or posted in my checking account 's notes as a courtesy reversal/refund, it should 've been labeled, noted, called, referenced and posted in my checking account notes as a malfunctioning ATM bank error. I once again find myself in the same situation with TD Bank 's customer service department : I would like to know which XXXX of the XXXX TD Bank customer service personnel I spoke to and with over the phone on either XXXX/XXXX/15, or XXXX/XXXX/15, was once again very disrespectfully and unprofessionally misleading, misinforming and with conviving intentions, purposely lying to me????
|
| 05/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
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Called TB bank and applied for a loan on XX/XX/XXXX th spoke to the loan officer filled out application and quoted a rate primary home 2.875 % Refi cash out. I applied for the loan and the loan officer was supposed to lock in the rate on XX/XX/2020 at which time the loan officer tomorrow I will lock the rate in since I'm not in the office today don't worry. When I followed up with him again the next day he said was locking in today when he gets to the office. Monday came and I asked is all good are we locked in. He stated I will lock you in today don't. Then on Tuesday or Wednesday I called he now stated after I went over the ratesthat he had given me and stated I'm sorry the rate had changed. Now he quoted me a higher rate of 3.00 % and locked me in at 3 %. The loan officer clearly did not show up to work till Monday or Tuesday or reach out to the appropriate people to lock in the rate in time prior to rate change. The loan officer had plenty of time to lock in my rate. If he would of taken the extra step of reaching out to the right people or provided me with a contact at the bank to lock in the rate. This is not how business should be conducted at TDBANK, this is not a WOW experience that they preach in their slogan. I have multiple relationships with many banks and never had a worse experience then with TD bank. This has not only cost me money but has also cost me time since trying to close my Mortgage in XXXX, this must be the WOW experience they give their customers. I'm requesting immediate resolution from TD bank in to this matter. I did not agree with the company response at all. In fact I believe that the company TD Bank does not even care for the customers. Clearly they wrote something without even asking me a question. The bosses are protecting their interests and employee. I have text messages from the employee and me telling him we should of been locked in already. Both loans were given the day I called and told XXXX to lock me in. To only find out he did not even put one of the loans into the computer. This is new to me upon their information given as an explanation. Because I put BOTH LOANS in the same day. But they say otherwise. Let me know where I can send the text messages to? I have them. Also the employee texted me that I have an " attitude '' I have that as well texted to me. Would you like that text? I have it as well. He was upset that I was telling XXXX what he promised so he texted me and offended me by saying I have an attitude. Is this protocol to call your customers in text ATTITUDE? Also your employee texted me " I tried to help you but who cares anyways, you don't ''. Would you like that text as well??? If you are serious in resolving the issue in hand please reach out to me and look into my side of the story and see the proof in writing which I have in text. Please get back to me.
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| 03/13/2022 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Fee problem
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Web |
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Ive had a TD bank checking account nearly 5 years. In that 5 years I have ( voluntarily ) accumulated over {$7000.00} in overdraft fees. Its a problem. I know of my actions that caused this ridiculous cost. I am working hard to stop this viscous cycle but its a XXXX hard trap door to fall into.
TD calibrates the amount that I can potentially overdraw on my checking at any given point. It is 100 % based on my weekly recurring payroll direct deposit. My issue would always start on a week that Id pay my rent and other XXXX of month bills. This often left me with little or nothing left to live ( eat ) on for the following XXXX days. Thus I would make it a point to hit an ATM and withdraw a {$300.00} draft that would ultimately cost {$330.00} by the next time I got paid. Then Id not use my debt card until my next deposit. This was common practice and very helpful ( though annoying. ) That {$300.00} draft would sometimes cost {$370.00} if I used the wrong ATM- I learned this the hardway. I also learned that despite my account being in the negative every possible auto or robo or one time charge and fee would abruptly start processing. Thus racketing additional {$35.00} fees for absolutely random charges. XXXX XXXX XXXX XXXX XXXX right at the last minute. Even charges that were declined would still cost me another {$35.00} fee.
It became such a problem that every month now I was in the same cycle of trying to hault the overdraft service and still be able to come out above the negative when my weekly paycheck arrived. TDS system really seemed to have that same goal- which made sense. Though at some point it took me well beyond my incoming pay amount and after that week I knew I could never catch up. I had to jump ship and switch my direct deposit of to a new bank and one that only offers 1 times {$20.00} max overdrafts. XXXX XXXX with my full paycheck actually arriving instead of first filling the previous weeks accumulated fees- I have not dipped below {$0.00} once. Heres where I need outside help : do I continue to pay down that massive TD balance due or is there any way they could reverse some or any of the over {$1000.00} of individual {$35.00} fees. I can honestly say that the majority of them are indeed the result of only 1 or 2 original and consciously made overdrafts. There are recurring bill payments still being drafted from the account but I cant deactivate them because I myself can not access the account until my balance has been brought back above {$0.00}.
I dont know what to do or where to call. Every representative from TD in person and on the phone recites the same unhelpful information.
This overdraft service by TD bank is nothing more than a high interest payday load program when I stop and think about it. Pay day lending is illegal in XXXX XXXX XXXXXXXX. Why can banks get away with it?
Please help.
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| 05/19/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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This is a story of both personal accountability and corporate negligence. In XXXX, XXXX, with $ XXXX in my bank account from selling my home, I went to a store to finance a couch set for 12 months at no interest in the amount of {$2800.00}. The store ( XXXX XXXX XXXX, NC ) used TD Bank d/b/a XXXX I received my statement and input my account number and routing number intending to pay $ XXXX to pay it off in roughly 6 months. My payment never processed, and I was told I was late. I am never late. I called the company to remit the payment over the phone. To my surprise, that did not work either. Frustrated, in XXXX, XXXX, I called to remit the payment in full which was now up to approximately {$2900.00}. That was not returned either and I was told there were no issues showing on their side with the account. It's also worth noting, that I could not see what the issue was either as the Acc/Routing numbers are semi-redacted with " XXXX. '' Fast forward to XXXX XXXX, XXXX, I ended up remitting a total of {$3400.00} after re-submitting my account information. Remember, I at all times had the money t0 pay for the couches in full. I am fortunate to make a six-figure salary as well.
Present day -- I am applying for a home loan and see that my account was marked " derogatory '' for failure to make payments on time. I was and am livid. How could this be when I attempted so many times to pay the couch in full? Well, after 7-8 phone calls with pleasant but unhelpful representatives, I find out that there was one digit incorrectly input in my original input from XXXX, XXXX. That one digit was the source of my late payments, NSF assessments, and ultimately, a " derogatory '' account mark on my and my wife 's credit scores. I was previously above XXXX and am now in the XXXX 's. I am being forced to pay an increased loan origination fee of roughly {$3700.00} with my home lender because of this derogatory account marker on my account.
It seems to me that a consumer finance company should have measures in place to assist customers that actively try to pay their credit card accounts but experience typographical or technological issues. I received no phone call, email, or any indication during any of my multiple phone calls where I voluntarily tried to resolve the issue. And now, the company has made an additional {$600.00} from the late fees, and I am being cost {$3700.00} more that I would not have had to pay otherwise.
My complaint is based in failure to diligently assess customer behavior. I was very clearly attempting to make my payment. But that was of no consequence to this company. It's a sad world where companies destroy peoples credit and unfairly cost them money. I had all the best intentions, apparently made an error, and now I will pay almost {$4000.00} plus additional interest over the cost of my 30 year home loan.
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| 11/03/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
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Web |
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On Sunday XXXX XXXX 2017 I walked into a TD Bank in XXXX N.J. to deposit a check that I was suspicious about its authenticity.The funds were sent to me by someone posing to buy something from me online and I was sent the movers money as well to pass on. I informed the teller that I was suspicious about the check and wanted to know when I can be sure the check was authentic before using the funds. The teller informed me that the check will take 2 days to clear and by Tuesday I should check to see if its still pending. Once the check is n't pending and the funds have been added to the account I can be sure the check was legit and cleared. I deposited part of the check and cashed the remainder and waited till Tuesday to use the funds.On Tuesday morning I checked and the check was no longer pending and the funds were safely in my account. I took the funds and sent them to the supposed mover. On Wednesday, I see that the amount for the check had been taken out of my account. Upon contacting the bank I was informed that the check had insufficient funds and the bank took out money from my account in the amount of the check.Basically I had been scammed.
I was shocked as I had suspected this may have been the case and deliberately asked the bank how to proceed.I followed the exact instructions given to me by the bank. The bank refuses to take any responsibility and insists that its my issue. How can I protect my own money when the bank helps the scammers and could care less about their own costumers? How was I to know not to trust the bank teller? How come there 's no laws protecting consumers from the banks mistakes?
I went back to the bank and videoed myself asking the bank teller the question again.I asked the question to 3 different tellers, receiving the identical answer. They assured me I have nothing to worry about once the check clears and funds have been permanently added to the account. I tried to enclose the video below, however the size was too big to upload. I 'm going to attempt to post it online wherever possible, in an attempt for the truth to get out, if there 's still someone left with some sort of honest conscious, someone who realizes there 's more to life than getting away with someone else 's money.
Its frightening to see how little the bank cares about you, the very institution who you trust your money with and is supposed to be helping you.Its 2017, and our country has laws protecting animals, plants, and ancient buildings, but cant get they 're act together to help people being bullied and taken advantage of by financial institutions. And lastly, its sad to see how when the bank helps lose your money, no one gives a XXXX, but if the bank loses a dime, they 'll turn the world over. Its time for either a class action lawsuit or a politician that actually cares to make noise and put an end to this.
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| 04/07/2016 |
Yes |
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- Application, originator, mortgage broker
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Web |
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On XXXX XXXX, 2016 I signed a purchase and sales agreement with the seller of a house with a time line of XXXX calendar days until closing. Having already prequalified for a loan, I applied for a USDA guaranteed loan with TD Bank at their location at XXXX XXXX XXXX, XXXX, NH XXXX on XXXX XXXX, 2016. I conducted this business with assistant store manager, XXXX XXXX. This day of official application I, and XXXX XXXX, signed a rate lock agreement to confirm my loan would be at a rate of 3.00 % ( exhibit XXXX ). This rate lock was to be valid for 90 days. XXXX XXXX stated that the loan would take around or under 60 days to process, and that I would hear from my mortgage processing within 24 to 48 hours.
On XXXX XXXX, 2016 TD Bank issued a loan disclosure for me to sign and return ( exhibit XXXX ). This disclosure indicated they were processing my application for a loan product other than the one that I applied for ( XXXX instead of USDA guaranteed ). This disclosure also included a new rate lock form, and indicated that my rate was currently " floating '' at approximately 3.8 %. Upon calling and speaking with the assigned processor I learned that they would have to reassign my loan to process the USDA guaranteed loan per my original application, and that my new processor would be in touch with me the following day.
On XXXX XXXX, 2016 TD Bank issued a loan disclosure for me to sign and return ( exhibit XXXX ). This disclosure indicated the correct loan, but the wrong loan terms. The rate was indicated to be 3.5 %, and not locked in. On speaking with my new loan processor I learned that TD Bank had " no record '' of me having signed a rate lock form for a USDA loan. She also said they had no record of me submitting necessary documents to process the loan that were provided on XXXX XXXX, 2016. I provided my loan processor, XXXX XXXX, a copy of the signed rate lock form from XXXX XXXX, 2016 and asked if TD Bank would honor this document.
On XXXX XXXX, 2016 TD bank issued a loan disclosure for me to sign and return ( exhibit XXXX ). This disclosure again had the wrong terms, stating that my rate was now locked in at 3.5 %. Also issued by TD Bank on this day was another rate lock form they requested I sign and return indicating that my rate would be locked in at 3.5 % ( exhibit XXXX ).
On XXXX XXXX, 2016 I informed TD Bank that I was withdrawing my loan application due to their refusal to honor the terms of my original rate lock agreement. Due to the three week delay caused by TD Bank handling my loan in a negligent manner the new lender I applied with sought an agreement to extend the deadline for the purchase and sales agreement between myself and the sellers. Unfortunately, the sellers declined this and exercised their option to walk away from the deal due to our inability to meet the deadline for closing.
|
| 11/08/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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After having a checking account with TD Bank for several years, I opened a credit card in XXXX of XXXX. I received the credit card ending in the mail in XX/XX/2023.
Using the mobile banking app, I added identified myself as an " authorized user '' on the credit card account in XX/XX/2023. Without my knowledge, this triggered the bank to issue a second credit card, which was sent to my address without notification. Because I was not expecting a second card, I threw the envelope away, and it was stolen. I do not know the full number of the stolen card.
Throughout XX/XX/2023, this second credit card ending in was used in a series of unauthorized purchases for a total amount of {$3500.00}.
I continued making payments on my card and only became aware of the unauthorized charges in late XXXX after realizing that my balance was significantly higher than expected. On my banking site & app, there is no way to distinguish purchases by the card that was used. I saw the fraudulent card when I downloaded PDF statement. I initiated a fraud investigation with TD Bank on XX/XX/XXXX.
At the time, TD Bank informed me that the investigation could take up to two billing cycles. Instead, the investigation was complete in only two weeks, and I received a rebill on XX/XX/XXXX. The rebill identified a combination of charges on both credit cards as fraudulent, despite the fact that all charges on the first card were authorized.
I contacted TD Bank Customer Service but was informed that they did not have sufficient information to answer my questions. Customer Service escalated my questions to the Investigations Team and told me they would call within 5 days.
Since then, I have called Customer Service weekly and have sent a fax to the Investigations Team to provide them with more information, but I did not receive any form of communication from the Investigations Team for over three weeks. The Customer Support team then filed a complaint with the chairman of the board on XX/XX/XXXX.
On XX/XX/XXXX, I received a call from the chairman of the board 's team. I was informed that the decision ( the rebill ) stands, and I am responsible for paying all charges to my account, from both cards.
On XX/XX/XXXX, I received a call from the Investigations agent, who informed me that she was not even aware that there were two cards associated with the account. The agent informed me that I should have been directed to the Credit Card Team to begin with.
Late fees continue to accumulate on my credit account, but as of today, I have already paid {$4000.00}. During the month of XXXX, I was only responsible for {$810.00} in authorized charges made using the first credit card. I have therefore paid almost {$3500.00} toward unauthorized charges made using the second card. On XX/XX/XXXX, I received my first call from Collections at TD Bank.
|
| 04/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
Older American |
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Purchased XXXX watch on line XX/XX/XXXX. Delivered XX/XX/XXXX according to XXXX required signature. Delivery date I was not home. Contacted Nordstrom because it seemed long from ordering and not delivered. CS told me watch was delivered and " signed '' for ( COVID new policy no signature ask name of person and driver types it in ) - Ended up opening numerous disputes- contacted sheriff made police report- and contact made with detective. Detective concluded problem was with delivery person XXXX Description of person did not fit me- Detective XXXX XXXX XXXX XXXX NC Sheriff Office concluded error with delivery driver.
Nordstrom reported me to three major credit agencies and shows I did not pay for past months even with OPEN disputes- I was told until disputes are concluded I would not be sent to credit bureaus. Not true. I contacted three agencies explained situation and opened investigations.
Nordstrom continues to refuse to credit account or send another item.
I have pleas out on Next-door App- asking if someone received watch in error. No responses. I again posted watch missing- and my credit is now effected. I made a plea if someone reading the post has the watch of knows who has it to please return without questions.
I checked my mail yesterday and a box and mail was inside my mailbox. Box had no label. I opened it and found the watch. LOOKS brand new- inserts were in the box validating the brand etc. I tried to contact XXXX from Nordstrom dispute in credit department who left me a message XX/XX/XXXX asking me to call her back at XXXX. I called back then, called again two more times and called the 800 number associated with her department requesting her to return my call. ( XXXX ). I was told XXXX was in a meeting but would call me back when done- it has been WEEKS no call. I looked up my FICO reports and found blemished reports from Nordstrom- although I accepted each call from their collection department and each time they looked up my account and said no reports would be made until AFTER disputes completed.
The detective stated I need to escalate the disputes because the problem is with the delivery person giving the watch to someone else or could have never given the item to anyone- we simply do not know.
With another plea placed on the next-door app 2 days ago I begged the members if someone was the person who received the watch or knew who had it- please return to me with no questions asked.
As I said a box was found in my mailbox- no label- inside the XXXX watch was found. I set up a return via Nordstrom.com and my husband took it to the USPS in XXXX. I SHOULD NOT OWE any money- no late fees nothing. They are getting the watch back after it has been missing over 7 months, I want my credit scores cleared. I am forwarding this report to each credit bureau since they have open investigations.
|
| 06/10/2015 |
Yes |
- Money transfers
- International money transfer
|
|
|
Web |
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I sent money to the bank XXXX XXXX XXXX in XXXX to buy a house with XXXX XXXX in XXXX. The date of this international wire transfer was XX/XX/XXXX. This company/Realty Agency, XXXX XXXX, said that they received the money of {$130000.00} ( in XXXX XXXX ) on XX/XX/XXXX, but they returned that amount to me on XXXX. The reason for the Return/Devolucin was : they wanted me to send it again to another account ( the one that I opened in XXXX as a XXXX ). I am an American citizen and the bank from were I did the international wire transfer on XX/XX/XXXX is TD Bank.
I have no way to know for sure if what the Realty Agency XXXX ( represented by XXXX ) says is true. I have a letter from them, but how can I tell if this document is real? According to XXXX, the return of the money ( XXXX ) really happened, but the bank XXXX in XXXX, XXXX, ca n't tell her were it is. The bank XXXX ca n't trace it have not been very helpful in this matter. For this same reason, XXXX, from the XXXX XXXX, ca n't give me any information and certainty about date when I will get the money of the Return. Direct Consequence of this, I ca n't go to XXXX for the closing of the house.
Here some information of the bank in XXXX, XXXX and in regards to the recipients account in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; Recipient 's Account : XXXX ) I called to XXXX in XXXX, XXXX, today XX/XX/XXXX, because I started to feel very nervous ( You never know if the people involved in this transaction can be involved in some criminal activity. I hope not, but ... ) I told to the XXXX bank in XXXX that I was a customer and that I have a document Letter of Return/XXXX to see if I could trace the money. They said to me that they ca n't do a trace. I try every kind of argument ; I try to find more help, such as finding an office from the bank XXXX in XXXX that deals with urgent matters like mine, or with an untraceable international wire transfer.
In the other hand, here in NY, after XXXX attempts with the TD Bank from XXXX, from were I did the transfer on XX/XX/XXXX, I decided to go to a different TD Bank, XXXX close to my job in XXXX. I went today XX/XX/XXXX to the TD Bank in XXXX XXXX and XXXX XXXX. Finally, on my XXXX attempt trying to get some hope and information, this branch in XXXX were able to do a Request and investigation regarding this international wire transfer ( XX/XX/XXXX ) and possibly about the Return of that sume of {$130000.00} ( XX/XX/XXXX ). The people who helped me are XXXX XXXX and XXXX ( XXXX XXXX XXXX ). The information related to the request of investigation to trace the money is : XXXX ; XXXX XXXX is in charge of this case. Here phone XXXX ) Both banks CA N'T TELL ME RIGHT NOW WHERE THE MONEY IS. PLEASE, HELP ME TRACING IT IN CASE SOMETHING CRIMINAL IS HAPPENING WITH REALTY COMPANY, XXXX XXXX in XXXX, XXXX. Thank you
|
| 10/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
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We applied for a mortgage with TD Bank after our offer was accepted on a condo in XXXX XXXX, NJ in XXXX. The price of the condo was $ XXXX and we were looking for only a $ XXXX mortgage. The entire process for getting final approval on the mortgage was stressful and inefficient and lasted from XXXX to XXXX 2016. From the beginning we were not given a clear understanding or timeline of the process and steps involved in getting the mortgage. When forms or documents were requested we would rush to provide them. We would then ask what other information would be needed so we could be proactive. We were told that no other info was required from us only to be contact a week or days later with another request which the Bank required immediately. So we would have to drop everything and run to the bank or contact our lawyers or the sellers to get the information required. This happened multiple times over the 3-4 month period and sometimes it would be for information we already provided. We would submit forms, like the SSA form, and be contact by the bank over a week later saying the quality of the scan was not good enough and needed to be re-sent. It took them over a week to look at a form that they requested we submit immediately?? The mortgage was also delayed because since more that XXXX % of the units in the condo were owned by one company we needed special approval. It took over 2 weeks to get this approval because the person at TD who approves these cases was on vacation. There is only one person in all of TD bank who can approve this? The final straw came when we were delayed because TD Bank ended its partnership with the 3rd party who processes the SSA forms and they had no other service they could use. Because they were able to process my husband 's SSA form before the partnership ended but not mine, TD recommended we restart and resubmit the mortgage application process with just my husband 's name on the application. After a few months our lawyers and the sellers were starting to get frustrated that the mortgage was taking so long. Our apartment lease was up XX/XX/XXXX and our landlord wanted a confirm date as to when we would be moving out. When we told TD that we would need to finalize this mortgage soon ( after 3 months of back and forth ) or we would be without a place to live, they suggested we put our stuff into storage and move into a hotel. We live in XXXX and moving into a hotel is not an affordable option. After all this, we were so desperate that we cashed in some of our investments in order to make up the $ XXXX and pay all cash for our condo and never got the mortgage from TD Bank. As a happy and loyal TD customer for over 15 years, I was truly disappointed on how my husband and I were treated. As first time home buyers they tarnished this experienced for us and left us without a mortgage.
|
| 08/30/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
This is an additional complaint in connection to a previous complaint # XXXX about TD Bank. Since the previous complaint, more issues have arisen with lack of communication and professional responsibility. In XXXX of 2019, we faxed the required forms and supporting documents to TDBank for probably the third or fourth time. Then they sent us a letter once again saying we were missing a form for XXXX XXXX. Thus, we completed and faxed that form with another set of copies of the supporting documents. XX/XX/2019 we received a letter from XXXX XXXX ext. XXXX of TDBank 's Loss Mitigation Dept. stating that they had everything and would be reviewing our loan modification. Then, THREE TIMES after, we received letters from TDBank stating that they still needed our tax forms and my husband 's P and L from his business that we had already given to them. We kept resending them to no avail. By the third letter, which included a letter from their lawyers, XXXX XXXX, on XX/XX/XXXX, I decided to call their paralegal XXXX XXXX to find out what was going on. She clarified that TDBank needed XXXX to complete their P and L form, because they couldn't understand his. If this had been clearly communicated before, we wouldn't have had to send the same things out multiple times. ( If you refer to our past complaint, this is an example of a constant issue. ) XXXX got everything over to XXXX through an email, and she clarified that she received it and would let us know if anything else was necessary. We have waited since XXXX to hear the outcome. In the process, on XX/XX/XXXX, we received a packet stating how much we were in arrears and that we would be perfect candidates to apply for a loan modification within 60 days!! Which made absolutely no sense, whereas we were currently waiting to hear about the results of our application already. XXXX XXXX, our HUD Advisor at XXXX XXXX XXXX attempted to call TDBank at the beginning of XXXX to get some clarification, but was not able to get through to anyone. ( This is another example of the issues that have constantly been occurring. ) I finally called on XX/XX/2019 since we hadn't heard anything. I spoke with XXXX XXXX XXXX # XXXX. She stated that we were denied, because XXXX XXXX felt the payments would be too high. She couldn't explain why we didn't receive notification, or why we got the packet on XX/XX/XXXX. I explained to her that if this had been solved 5 years ago, and if TDBank would accept payments from us this entire time, it would not be this extreme and the amount would not be so high. On paper, it looks like we haven't tried to pay anything and are at least {$90000.00} in arrears. TDBank refuses to take any payments unless it is the entire amount, and they have set us up to fail over the past 5 to 6 years. We just want to pay our mortgage, and eventually own our home.
|
| 05/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
In XX/XX/XXXX I secured a {>= $1,000,000} second home mortgage on an oceanfront property on XXXX XXXX XXXX from TD Bank, N. A. Due to Covid restrictions, the application was conducted entirely online and via phone, not in a TD Bank branch office. At no point was I presented with a form to arrange for automatic payments on the loan. When the first payment was due on XX/XX/XXXX, I struggled to find a way to make the payment but eventually found an online payment portal. I entered my payment account information for XXXX Checking and made payment. I assumed that TD Bank would store the banking information and withdraw funds automatically each month on the due date. Unfortunately, this was not the case. The statement regarding my loan was sent to my primary home at XXXX XXXX XXXX, XXXX XXXX, MD XXXX but I was staying at the property on XXXX XXXX XXXX and did not receive it. As a consequence, the payment for XXXX did not post and I was not aware until returning to Maryland in XXXX. Upon learning of the late payment, I promptly submitted another one-time payment for both XXXX and XXXX in the amount of {$33000.00} on XX/XX/XXXX. I sent two separate letters to TD Bank 's dispute department requesting a goodwill removal of the late payment from my credit report, both of which were denied. I offered to prove that I have far more than sufficient funds to cover the payments at the time and that it was confusion over their payment portal ( and the lack of automatic payments set up during the mortgage application combined with being out of town when the late payment notice arrived at my home in Maryland ) and not an inability or unwillingness to pay on time that resulted in the late payment. I have never missed a payment on any credit account in my 46 years. The late payment report to the credit bureaus resulted in a highly deleterious effect on my credit score, dropping over 100 points from the mid 800s to low 700s. TD Bank is correct that the payment was late but is unwilling to concede the fact that their mortgage team failed to present me with automatic payment arrangements when issuing the loan or that their Byzantine process for submitting payments online greatly increases the chances of confusion over " one time '' payments and recurring payments. I was asked to complete a paper form and mail it to TD Bank in order to arrange automatic payments, which is now in place and payments have been submitted on time for XXXX and XXXX, the two months following the late payment. In spite of the extenuating circumstances, TD Bank still refuses to remove the late payment from my credit report. Loan applicants to TD Bank beware. Unless you have a credit card or checking account with TD Bank, you can not even create an account for online management of your mortgage account. The system seems designed to cause late payments.
|
| 12/11/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/18, someone was able to hack into my computer through remote access, getting through our firewall and passwords and install ransom ware on the network. We now know they were on my computer prior to this date.
On a Tuesday XX/XX/18 I noticed and reported a fraudulent check for XXXX was sent via Bill-pay out of my account to a person ( XXXX ) in XXXX, FL. The check was endorsed and deposited on Friday XX/XX/18 into an account at XXXX XXXX in Florida. I never used the Bill-pay service or set it up, but the on-line criminal was able to set all of this up.
On the same day XX/XX/18, a second fraudulent check for XXXX was issued by TD Bank to the same individual who received it and endorsed it on XX/XX/18. This 2nd check was overdrawn on the account by {$10000.00}, since the 1st check cashed on the XXXX, yet TD still sent out this second check. It was presented at XXXX XXXX and was not cashed as the account was locked on XX/XX/18 after the fraud activity was reported. The fact that this check was written and sent when there was insufficient funds in the account is one of many issues that does not make any sense.
I learned that this on-line thief set up a new profile within the bank as me. Then they linked a couple of my accounts to this new profile. Absolutely no security was in place that could allow this to happen. I never received any notifications that I was changing user name or passwords. No notifications of setting up Bill-pay service or a new Payee. Never received notifications for anything.
The issue was reported to the local police, Detective XXXX of XXXX Police.
When this was discovered and reported, bank personnel explained the process of reporting the fraud and it can take 10 days to get you money returned.
On XX/XX/18 I was told that this will take up to 90 days and that I would hopefully get back any money still left in the account in Florida. I was told to sit and be patient.
Today I received a call and learned that I was only going to get back XXXX of the XXXX stolen. This is totally unacceptable to me. This is a real lot of money that I borrowed from TD and still paying interest on today.
TD Bank was negligent in protecting my money. A cyber intruder was allowed to setup a new profile, link my bank accounts on the phone or online? From experience, I would be required to go to a branch, provide my license, just to start the conversations. Changing Profile and password is a big deal anywhere in today 's world. After five weeks, I am given nothing that would indicate that they TD followed proper security procedures and protocol.
TD Fraud was notified on XX/XX/18 and did not contact XXXX XXXX for weeks. I do not know the exact date but it took way too long when pursuing issues where time is of the essence. A more reasonable reaction may have recovered all of the money.
|
| 01/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Below is what transpired between myself and XXXX retail card services I sent to Customer Service Department : This is the XXXX letter I am sending to you, my final attempt to resolve this issue with your company. I will also be sending all of this information to the Better Business Bureau as well as my credit reporting agency.
As I previously outlined, every charge you have applied since XXXX XXXX, XXXX has been incorrect on your part.
Called XXXX XXXX to cancel XXXX XXXX on XXXX XXXX, XXXX after final payment was made on the phone on XXXX XXXX, XXXX. I was told the account was closed and I would still owe the {$23.00} because I should have seen it on my bill and therefore was my responsibility. I paid the * {$23.00} on XXXX XXXX, XXXX and my XX/XX/XXXX bill shows a {$0.00} balance.
Called XXXX XXXX, XXXX to try to cancel the XXXX XXXX account AGAIN, after being charged {$11.00} XXXX XXXX, XXXX and again on XXXX XXXX, XXXX.
My XXXX statement shows that I paid {$95.00}, which was the refund XXXX provide for the previous XXXX months of XXXX XXXX charges that were billed to us after we cancelled the program. These were credited to my account on XXXX XXXX, XXXX. At this point my balance was negative, meaning XXXX owed me a check for {$47.00}.
I was charged the {$11.00} AGAIN on XXXX XXXX, XXXX!!!!
I was charged {$11.00} on XXXX XXXX, XXXX and * {$23.00} credit balance refund.
In XX/XX/XXXX I was showing a balance due of {$35.00}, even though I owed {$0.00} as detailed above. I paid the {$35.00} on XXXX XXXX, XXXX, check # XXXX in hopes of FINALLY closing this out once and for all.
I continue to be harassed by your company, charged fraudulent charges and wrote a detailed letter on XXXX XXXX, XXXX to try to resolve this. I got no response to my letter other than a letter from XXXX XXXX on XXXX XXXX, XXXX stating you are sending this balance to collections!
I have tried to resolve this, I have paid more money than I actually owed you to try to close this out, none of which were successful. If you send this to a collection agency, I will be forced to report you to the Better Business Bureau and file a formal complaint for harassment and fraud with my attorney. Just because this has wasted so much of my time, caused me so much frustration, I am willing to spend my money on attorney to stop you.
Please advise as how you would like to proceed.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I am now trying to buy a home and this showed up on my Crdit history. This company should be held accountable for doing this. If they are doing it to me they are doing this to many and getting away with it.
Please Help, kind regards
|
| 10/03/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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On XX/XX/2022, I mailed a Validation of Debt and Cease and Desist Letter, to TD AUTO FINANCE with specific demands to identify the original creditor, provide copies of the original lawful contract signed by both parties in wet ink, and provide validation of the alleged debt ( actual accounting ). These letters were sent via XXXX Mail # XXXX. TD AUTO FINANCE received these instruments on XX/XX/2022. Respondent was given thirty ( 10 ) days from day of receiving Validation of Debt and day of receiving Affidavit of Truth to provide proofs of claim, point for point ; however, Respondent chose to either remain silent or otherwise refused to provide said proof of claim ( s ) and, therefore, has failed to state a claim upon which relief can be granted. Respondent has agreed and stipulated to the facts and agreed that the undersigned XXXX XXXX can only discharge said debt via the remedy provided by Congress via HJR-192 with a Bill of Exchange or other appropriate commercial paper.
AFFIDAVIT OF TRUTH Formal Affidavit of TRUTH was sent to TD AUTO FINANCE as a result of their failure to comply with demands stated in the Validation of Debt Letter. Said Affidavit of TRUTH was sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022.
Conditional Acceptance Formal Conditional Acceptance and XXXX XXXX XXXX was sent to TD AUTO FINANCE as a result of their failure to comply with demands stated in the Validation of Debt Letter, unpaid Invoice ( Bill of Particulars ), and Non-Compliance Affidavit. Said Conditional Acceptance was sent via XXXX Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022.
NON-RESPONSE AND FAILURE TO CURE FAULT After 10 days of receipt by TD AUTO FINANCE, having not received and showing no record of response to items listed in my Conditional Acceptance was sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022 XXXXNo response has been given on said XXXX XXXX.
NOTICE OF DEFAULT AND CONSENT TO JUDGMENT Whereas, for the reason of TD AUTO FINANCEs failure to cure and honor Fault places TD AUTO FINANCE in Default. For the course of dealing, set forth herein, with TD AUTO FINANCE failure, refusal, or neglect in the presentment of a verified response to the Validation of Debt, Affidavit of Truth, and Conditional Acceptance constitutes the Respondents failure to perform in good faith and the Respondents acquiescence and tacit agreement with all terms, conditions and stipulations set forth within the Notice of Default and Consent to Judgment, Validation of Debt, and Conditional Acceptance.
All items listed can be provided as proof on legal document with notarized signature that all opportunity has been given to TD AUTO. Along with these are a multitude of statements, and a threatening letter sent by TD AUTO after the cease and desist was received.
|
| 07/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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|
Web |
|
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I have opted out of overdraft protecting completely ( as opposed to just opting out of some protection, 2 opt-out options the bank proposed ) when I opted out I was left with the information that if my account has no money to cover transaction then I may still get hit with a insufficient funds fee. Which I was ok with. However I did NOT expect TD bank to STILL temporarily deduct the amount I didnt have the funds to cover. PLUS the fees and THEN when the charge was no longer pending, credit me for the amount that should have been rejected instead! So Im not only now in a negative state regardless if temporary or not, the hold was long enough for the charges I did approve get rejected resulting more fees. An example, I had opted out of OD and I lets say I was expecting a check for XXXX attempt to clear but I didnt have the funds, which should have left me with a {$35.00} charge but instead of charging me just the insufficient funds fee they still deducted the {$100.00} anyways, but as a hold not a charge they plan to credit back the {$100.00} after a day or two holding that amount of the check that shouldnt have cleared at all!! Now the approved charges were now unable to clear causing my account to suffer additional fees. My account according to our agreement should be left with a zero bal based on my records and what I was told, not a negative bal. causing even more fees and problems! TD bank didnt refuse a check from clearing due to insufficient funds like I was told they would after opting out of protection. Instead the bank still subtracted the check plus charges from fees so my attempt to have enough money to cover my intended purchases and leave enough in my account to cover any charges a bounce check created! When TD credited my account for the amount they held from the check that should have bounced it was too late! So according to my agreement and my calculations I should have been left with enough money to pay a fee + the XXXX charges I authorized leaving me a bal of XXXX, However because of how they did things, it will now cost me over {$110.00}, leaving my account in a very bad way with a negative {$110.00} instead. This cant be fair? What was the point of opting out of OD protection if they still planned to remove funds that arent available? Then charge me for overdrafts or insufficient funds for each item on hold even if I agreed to pay them before check tried clearing. They argue that it is only temporary but even if temporary it was held long enough to disregard anything else coming through and clearing. I feel like I was lied to and stolen from. Dont I have rights and a way to protect myself and hold them for ever penny it cost me because they lied? I truly hope so, I will make this publicly known after this complaint to protect and help others from experiencing the same thing!
|
| 08/03/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
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I made three purchases at XXXX and XXXX within the same week in XX/XX/XXXX. I used the XXXX and XXXX store card I have through TD bank. I was told my purchases in XXXX could be paid for over 6 months no interest.
I already had one purchase on my card from over a year prior when I had an 18 month no interest purchase.
I continued to make my payments as usual for XXXX and XXXX intending to satisfy the first deferred interest balance, then was going to adjust my payment amount to make sure I paid the remaining balance by the end of the new six month period for the new purchases.
However, without my knowledge or consent, the company applied my payments for XXXX, XXXX and XXXX to EACH NEW DEFERRED PURCHASE instead of applying the payments I made in full to the promotional period ending first.
I contactes customer service on XX/XX/XXXX to inquire as to why they did this. They then informed me, the the three new purchases each as their OWN MONTHLY MINIMUM PAYMENTS that were taken out of my payment before the amount was applied to the first promotional period balance. I informed them, that this was never communicated to me, and I never agreed to that. Had I known, I would have adjusted my payment amounts to reflect this.
The representative I spoke with, stated to me on that recorded line on XX/XX/XXXX that if I made a payment of {$160.00} that day, they would not charge me the deferred interest. I made that payment while still on the phone with them and thought it was settled.
In XXXX, I get an email saying my balance is much higher than I expected. And I look, and of course, they charged me the deferred interest.
I called and spoke with customer service, they said it was too late to do anything and I would have to dispute it. They gave me an email address and told me what to say. I sent them the information via email on XX/XX/XXXX. I heard nothing from them until I called last week to check the status because they still had not adjusted my balance. The person I spoke with on the phone said they had reviewed it and denied it and that it was a " final decision ''. They also stated via email to me today that they sent me a letter on XX/XX/XXXX ( I never got it ) explaining this.
I called again today because this is unacceptable and all customer service does is tell me they don't have anyone else I can talk to. At every point in my attempt to communicate with this company beyond the front facing customer service I am told I'm not able to speak with anyone.
I resubmitted another dispute via email today, hoping that whoever reads it realizes they are in the wrong, however I have no confidence in this. I can not afford to pay the deferred interest and need them to correct this immediately.
Deceptive marketing practices, improper communication and access to appeals are a big issue here.
|
| 06/25/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
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Note : This is the third complaint I have submitted for the same issue. I believe that I have been very clear as to the nature of my request and they still refuse to honor it according to California law ( CPC 530.8 ) even though they have given me multiple verbal assurances that they would and I have been diligent about complying with their instructions. In the event they still refuse to comply with this request, I will continue to file these complaints until they do, or I decide that legal action is the only remedy. They need to take this matter seriously. A Target store card account was fraudulently opened in my name by person ( s ) unknown on XX/XX/XXXX. This person subsequently purchased over {$6000.00} worth of merchandise using this fraudulently obtained line of credit. The identity thief was careful to cover their tracks and I did not discover that this had occurred until sometime in XX/XX/XXXX. At this time I contacted Target Card Services ( TCS ) and made a request for identity theft information that I am entitled to under California law ( CPC 530.8 ). The first response I got from a TCS representative was that they " did not have to comply with California law because they are based in Minnesota ''. Through persistence, I eventually persuaded them that they do indeed have to comply with California law because they do business in California. They then told me to submit a notarized written request for this information ( at my own expense ), which they received on XX/XX/XXXX at XXXX. The California statute says that they have 10 days after the receipt of this request to comply with the information request, which they in practice completely ignored. The main document I am interested in is the actual personal information that the identity thief used to fraudulently open the account. This would allow me to know exactly which of my personal data were compromised as well as helping law enforcement to help identify a suspect. The first attempt to comply with this request resulted in them sending me the personal and confidential information of an entirely unrelated person in XXXX who just happened to open an account on the same day as the identity thief. I was frankly shocked at this reckless disclosure of some innocent third party 's confidential information, but I am not surprised given my experience with this organization. I informed them of their inappropriate data breach and they responded by making another attempt to comply. They sent me a copy of MY OWN personal information and NOT the application data provided by the data thief as I had requested. On a subsequent phone call they stated that they consider this to be acceptable ( I disagree ) and would not comply further with my information request. This is what prompted my third complaint to CFPB.
|
| 04/20/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
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On or around XXXX XXXX on Friday the XXXX of XXXX , I called TD bank a nd I was assisted by a lady name XXXX XXXX which claim herself to be one of the branch managers at the location at XXXX XXXX in XXXX Ma. I spoke with this lady for abou t 20 minutes tryi ng to resolve an issue I had with my account. In our conversation we had, I explained to her that the two over d raft fees assessed to my account were a fraud because I had enough money to cover those expenses . First, she lied to me stating that were no fees assessed to my account and when I confronted her three times that the fees were cleared there, she put me on hold for about 5 minutes because she need it to jump into a different computer she said '' after being on hold for about 5 minutes, she came back on the phone and she said that she was able to see the fees I was talking abo ut, but those fees were accurate according to her judgement. I insisted that my account was positive and when those charges coming, I had enough money to cover them. After that, she went on to say that that was the way the bank makes money from customer by tackle them over draft and return checks fees. I continue arguing with miss XXXX and told her that what they were doing was a fraud by stealing money from customers. she went on to say that she needed to call her regional managers and she will call me back with an answer. I waited a week for her response, but she never did. It is clear to me that it comes to customer 's satisfaction, she has the minimum experienced to take care customers. I also explained to her that when I opened my account, I signed in to be opt - in meaning they can pay an item even if I do n't have enough fund to cover and I will be assessed {$35.00} dollars over draft fees which I complied with that. But the reality was different with TD bank. Despite the fact, I signed in to be opt-in, they refuse to pay or they chose what to pay just to make money from the customers. For example : I programed a payment and there were not enough funds to cover, they paid it, and then, they pull the money back again so they can have charged me a return check fee over and over again cause the merchant summited the payment 3 times and the 3 times was rejected so they can charge me 3 times return check fees. But also, the merchant charge me 3 return checks fees because of TD bank actions by not allowing to pay the item. If they would have to pay the item in the first try, there would have not been so many returns checks fees assessed from both parties. So far, there has been at least XXXX XXXX dollars return checks fees assessed from TD bank fraudulent. I am demanding td bank to return me all the return checks fees that were assessed to my account and to comply with what I singed in to opt -in and they refused to do it.
|
| 09/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX BANK # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXXXXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
|
| 10/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I received a TARGETED postal mail offer in XXXX of XXXX that advertised ( directly to my name at my address ) a offer of opening a new TD Bank checking and savings account. The offer stated I would receive {$400.00} bonus added to the new checking account and {$200.00} added to the new savings account. The terms stated I had to have direct deposit to the checking account and for the savings account I needed to transfer in {$20000.00} of outside funds and it could take up to 150 days from the account opening to be awarded the amount.
I was previously a TD bank customer and brought the mailer in to my local branch and inquired if I was in fact eligible due to the previously closed account. They told me they needed to contact a promotions team and they would get back to me and collected my phone number and made a copy of the mailed offer. Later that day the branch representative called me and told me that they confirmed that I was in fact eligible for the offer and he needed to schedule an appointment with me to create the account and make sure he had the promotions attached correctly.
The next day ( XX/XX/XXXX ) I went in and made the account. The direct deposit activity requirement for the {$400.00} checking bonus was completed on XX/XX/XXXX. The {$20000.00} savings account deposit was completed by XX/XX/XXXX to fulfill that offer.
The {$200.00} savings offer was loaded to my account on XX/XX/XXXX but the {$400.00} offer for the checking was not. I reached out to support at that time and they told me it looks like I did fulfil all requirements but per the terms we need to allow up to 150 days and to contact back on XX/XX/XXXX to allow them to exhaust the 150 days and they would then research it. I contacted back on XX/XX/XXXX and asked them for a update as I still have not received the promotion and they responded they would investigate it. On XX/XX/XXXX they replied back stating that because I had a checking account with them on on XX/XX/XXXX ( almost 2 full calendar years ago ), I was ineligible to receive this new bonus.
I want to reiterate the point that I received this as a TARGETED mail offer. They sent this to my name at my address knowing previous account history. Knowing this, I spent my time to travel to their branch and asked this very question : " Would I be eligible because I had a previous account? ". They told me they needed to look in to this further and contact a specialist and they got back to me later and scheduled an appointment for me to come back and open the account... IE waste more of my time... the next day. TD Bank clearly bait-and-switched me in order to have me not only waste my time and efforts of transferring money and setting up direct deposits, but then strung me along knowing that I would not receive the bonus after they PROMISED me the bonus.
|
| 09/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I am located in Florida. On XX/XX/21 I checked my TD Bank account balance on line and discovered that my account had been drained, someone withdrew a total of {$23000.00}, at a TD Bank location in XXXX. There were three withdrawals directly at the branch, dated XX/XX/21, for {$9000.00}, then {$9300.00}, and {$4700.00}, and XXXX ATM withdrawals for {$100.00}, and {$380.00}, on the same day. My wife and I immediately called TD Bank and we notified the fraud department. I was instructed to go to my branch in XXXX, FL, and file a fraud report. The TD rep at the branch looked at the transactions and informed me that on XX/XX/21 someone impersonating me went to a TD location in XXXX requested to be issued a debit card to my account, TD Bank issued the card to them, and this person or persons subsequently went to the teller and in three separate occasions withdrew large amounts of cash totaling of {$23000.00}. Then they took more money out at the ATM. I own this account together with my wife. We went to the police and filed a report on XX/XX/21.
At this moment, TD Bank has not given us any answer as to how they allowed this to happen. The money has not been refunded to the account. We have been to the XXXX branch every day, they are telling us that we need to speak with the Fraud department. We have been calling the Fraud department repeatedly and put on hold for 2, 3, 4 hours, day after day, nobody ever picks up. Do they even have a fraud department?? I tried to reach supervisors repeatedly, no one was able to give us any indication as to what happened and how and when we will recover our money.
It is unconceivable that somebody out of state would obtain access to my funds so easily, with no questions asked. No red flags went off. No email or any message was sent to warn me that a debit card was being issued for my account, to verify that I indeed requested it. On the same day, three large cash withdrawals were made, of {$23000.00}, in a different state, in person, at a branch, and nobody at TD questioned the validity of these withdrawals, they just gave the perpetrator ( s ) my money!! How is this possible? I have been banking with TD for 8 years, my banking patterns are well established, how come these unusual transactions were not an alarm signal to TD? Where are the cameras, where are the video recordings showing how a teller at TD gave the entire content of my account to a physical person who was not me, in XXXX, when I live in Florida? This is such gross negligence! To add insult to injury, it is literally impossible to reach the so-called fraud department, they just do not answer the phone, and the supervisors have an terrible attitude.
I need TD Bank to restore my funds immediately. That is why I keep money in the bank, so it is safe and secured, and protected from being stolen.
|
| 05/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Nordstroms/ TD is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Nordstroms/ TD, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Nordstroms/ TD whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Nordstroms/ TD never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
|
| 05/07/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
-On XX/XX/XXXX ( XXXX XXXX Evening ) I made two payments to XXXX XXXX amount to {$310.00} and {$94.00} from my TD Bank XXXX Credit Card for a canopy bed ( brand : XXXX XXXX ) at their outlet. - Despite several reminders they did not deliver the goods on stipulated time. - XX/XX/XXXX ( evening ) they delivered the bed broken with a promise to fix it next day. - They refused answering my calls and on XX/XX/XXXX I filed a dispute with my credit card company- TD Bank . - Before dispute and after filing dispute I had informed XXXX XXXX to remove the damaged bed from my home as it can be hazardous and can cause an accident in case of malfunction. And that I am no longer interested in it. They refused to even acknowledge or respond to my concern. - On XX/XX/XXXX my transaction my dispute ( case number : XXXX ) was resolved and TD Bank reversed my transaction. - While on XX/XX/XXXX without my consent and informing me- the same transaction was reversed in favor of the merchant- without my knowledge. - On XX/XX/XXXX I immediately took the notice and called the dispute department. - I was told that since the furniture was still with me, and there was clause on the receipt ( that I had originally provided ) that says if I did not inform the merchant- the furniture will not be returned. - After I was asked for a rebuttal I faxed all the evidence of the calls I made within the clauses mentioned on the receipt. - Also I provided the necessary detail that it was not a portable merchandise as it require experts to dismantle and transport it back to XXXX XXXX XXXX. - Additionally I also agreed to pay for the re-transportation back to XXXX XXXX. - Finally I also asked TD Bank to provide me the supporting documents that XXXX XXXX had given them to justify my negligence of fault in the dispute. - TD Bank dispute assured me that I will get all the documents and supporting papers within a week. - After 15 days I called TD dispute department again and I was told that the documents will be sent. - Throughout XXXX and now towards the end of XXXX- I still haven't received these documents. - I also contacted online secured servers messages but to no avail. - Hereby I conclude that TD Bank has violated my consumer rights but misusing my credit line by providing undue favor to the merchant- XXXX XXXX XXXX. I entrusted my credit with this Bank through XXXX but as a matter of formality they did reverse my transaction only to pay it back to Merchant. - There was no additional evidence given by the Merchant except from what I had submitted, furthermore TD Bank failed in providing me the documents that the merchant had submitted- despite repeated reminders. Primarily, because they didn't want me to get in possession of this mishandling as I had informed them of my reporting to CFPB in case they abuse my credit line.
|
| 04/23/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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-On XX/XX/XXXX ( XXXX XXXX Evening ) I made a payment to XXXX XXXX amount to {$900.00} from my TD Bank Visa Credit Card for a canopy bed ( brand : XXXX XXXX ) at their outlet.
- Despite several reminders they did not deliver the goods on stipulated time.
- XX/XX/XXXX ( evening ) they delivered the bed broken with a promise to fix it next day.
- They refused answering my calls and on XX/XX/XXXX I filed a dispute with my credit card company- TD Bank XXXX
- Before dispute and after filing dispute I had informed XXXX XXXX to remove the damaged bed from my home as it can be hazardous and can cause an accident in case of malfunction. And that I am no longer interested in it. They refused to even acknowledge or respond to my concern.
- On XX/XX/XXXX my transaction my dispute was resolved and TD Bank reversed my transaction.
- While on XX/XX/XXXX without my consent and informing me- the same transaction was reversed in favor of the merchant- without my knowledge.
- On XX/XX/XXXX I immediately took the notice and called the dispute department.
- I was told that since the furniture was still with me, and there was clause on the receipt ( that I had originally provided ) that says if I did not inform the merchant- the furniture will not be returned.
- After I was asked for a rebuttal I faxed all the evidence of the calls I made within the clauses mentioned on the receipt.
- Also I provided the necessary detail that it was not a portable merchandise as it require experts to dismantle and transport it back to XXXX XXXX XXXX.
- Additionally I also agreed to pay for the re-transportation back to XXXX XXXX.
- Finally I also asked TD Bank to provide me the supporting documents that XXXX XXXX had given them to justify my negligence of fault in the dispute.
- TD Bank dispute assured me that I will get all the documents and supporting papers within a week.
- After 15 days I called TD dispute department again and I was told that the documents will be sent.
- Throughout XXXX and now towards the end of XXXX I still haven't received these documents.
- I also contacted online secured servers messages but to no avail.
- Hereby I conclude that TD Bank has violated my consumer rights but misusing my credit line by providing undue favor to the merchant- XXXX XXXX XXXX. I entrusted my credit with this Bank through Visa but as a matter of formality they did reverse my transaction only to pay it back to Merchant.
- There was no additional evidence given by the Merchant except from what I had submitted, furthermore TD Bank failed in providing me the documents that the merchant had submitted- despite repeated reminders. Primarily, because they didn't want me to get in possession of this mishandling as I had informed them of my reporting to CFPB in case they abuse my credit line.
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| 05/08/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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I had a personal loan from TD bank, that I had set up auto payments from my bank account. For various reasons last XX/XX/XXXX I had asked to have the bank account # that the payment was being auto debited from changed to another account, as I planned on closing the current account.
On XXXX XXXX , 2016 I received confirmation that the automatic payments was set up to pull out of the new account#, however even though I received the confirmation that the payments were set up to pull from the new account, the payments were still trying to debit from the old account# thus causing me to be delinquent. I was advised from the banker that was helping me to go in a branch and make the payment or to mail it because she couldn't guarantee that the payments would pull correctly so just to make sure I should make the payments in person. This was causing me to either make double payments, because I never knew when and what their system would actually do.
After numerous calls, email, letters, repeatedly to attempt to fix the problem, I was assured everything was fixed, however I continued to receive a past due notices EVERY MONTH TILL TODAY, which concerned me as I knew I had made all necessary payments. I made many calls, and expressed my concern and worry that my credit would be impacted, not to mention I was concerned there were no fees charged, but I was told, NO LATE FEES< AND NO LATED PAYMENT HISTORY....!
After several months of the delinquent notices, again I had concern something just wasn't right, so I called again, and this time, the person I spoke to finally admitted to me that I had in fact been charged late fees and it was showing as being delinquent. How upset do you thing I was???
After speaking with 5-6 more TD employees, the final word was that somewhere in all the chaos they were showing one payments was not made in XX/XX/XXXX , months late r, now, event though I know all the payments were made. I attempted to get all my old records, however, the bank I had my account with was sold, and the new bank was requiring a $ XXXX research fee to give me my record.
No need to tell you how angry I was, and at this point I had enough and all I was going to take from this terrible nightmare, and not to mention all the time I have spent with all this back and forth, I was done at this point. I continued to call and demanded that all my funds be refunded, and if my credit was impacted, I would be hiring an attorney and I had every intention in pursuing this, but at the end of the day I just want all my fees refunded and I would pay off the loan and be done with all of it,, however, they are now not returning $ XXXX in fees just because they feel they can. I work in the XXXX XXXX , and never , ever, have I seen a customer been treated they way I have from TD Bank.
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| 09/03/2023 |
Yes |
- Credit card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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I purchased Furniture from " Raymour and Flanigan '' store. Store offered me interest free with their financial tie up with TD Bank to provide this finance. This tie up not only simple payment for the furniture purchased, but opens the credit card account.
Furniture sales guy said initially that this can be paid of in 36 months without penalty or interest and I agreed to it. However, when i went to back after two days for final purchase they opened account with one year term interest free. Since I verbally discussed for 36 months i simply signed on the documents. It seems they changed term from 36 to 12 months which i didn't notice when i signed the document. The signed document also doesn't mention the percentage of interest, rather it states that standard APR. I had no clue what the standard APR is and no one explained to me.
I did setup automatic payment from my bank checking account to pay this TD Bank card as soon as i received my first payment and never defaulted on this. Loan amount is XXXX XXXXXXXX XXXX, this should pay in 36 months if paid monthly XXXX XXXXXXXX XXXX. TD Bank autopayment setup gives an option as Minimum amount ( XXXX XXXX XXXX ) and i simply selected that option and their website has to dig deeper to choose any other option, found this in recent conversation with their customer rep.
I opened account on XX/XX/XXXX. However, TD Bank charged me interest of XXXX XXXX XXXX of interest on XXXX XXXX of purchase at the end of one year. TD Bank never sent me paper notification or email about my term 12 months is approaching to pay off entire balance amount or else interest will be charged. The only email has been coming to me is that " statement is available '' without any details like fee or interest or balance.
I logged into TD bank online account on XX/XX/XXXX only ( after initial setup in XX/XX/XXXX ) to see verify the balance on this account, then i was surprised to see these silent interest charges thousands of dollars ( from XX/XX/XXXX ) and on going monthly charges XXXX XXXX XXXX. Till now they charged XXXX XXXX of interest on XXXX XXXX XXXX of furniture purchase. This is a financial fraud and charging silently on the account without sending notification ( Call or Mail ) to customers. If it is an email, email body should clearly communicate the interest charges and warning ahead at least one month ahead of interest charges those will come into effect to the account.
This is the biggest financial fraud i have ever encountered. I am very responsible citizen with Exceptional credit score, this fraud setup between Furniture and Bank is confusing customers without clear communication on APR, Warning on interest charges and no clear communication when charged account.
Please help me to resolve, so that i can pay principal balance and close account.
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| 12/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I disputed NORDSTROM XXXX tradeline Account # XXXX XXXX .... as inaccurate XXXX XXXX, XXXX, with XXXX, XXXX, and XXXX. A direct dispute with NORDSTROM on XXXX XXXX, XXXX. There are errors before the dispute and after the dispute. There was no investigation done on Nordstrom tradeline.
The disputed credit reports are as follow : credit report XXXX XXXX, XXXX, XXXX, credit report XXXX XXXX, XXXX, XXXX and credit report XXXX XXXX, XXXX, XXXX. and Dispute letter where mailed out and delivered in XXXX XXXX.
XXXX Response was ( Outcome : Remains - The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details ) and XXXX response was ( Information Updated ). XXXX response was ( We 're writing to let you know that after careful research, we 've confirmed that we 're accurately reporting your account to the following credit reporting agencies : XXXX, XXXX, and XXXX. ) The list of errors : DATE UPDATED OR VERIFIED DISPUTED credit report XXXX XXXX, XXXX, XXXX ( Items as of Date Report : XXXX XXXX, XXXX XXXX credit report XXXX XXXX, XXXX, XXXX ( Date of Status : XXXX XXXX ) credit report XXXX XXXX, XXXX, XXXX ( Date updated : XXXX XXXX, XXXX ).
DATE UPDATED OR VERIFIED AFTER DISPUTE credit report XXXX XXXX, XXXX, XXXX ( Date of Status : XXXX XXXX XXXX credit report XXXX XXXX, XXXX, XXXX ( Date updated : XXXX XXXX, XXXX ) There was no investigation done on credit reports from XXXX, XXXX or Nordstrom.
I made my last payment on XXXX XXXX, XXXX DATE OF LAST ACTIVITY/CHARGE OFF DATE DISPUTED credit report XXXX XXXX, XXXX, XXXX ( XXXX XXXX XXXX Date XXXX/XXXX/XXXX ) credit report XXXX XXXX, XXXX, XXXX ( XXXX XXXX XXXX Date XXXX ) credit report XXXX XXXX, XXXX, XXXX ( XXXX XXXX/XXXX/XXXX XXXX date XXXX/XXXX/XXXX ).
DATE OF LAST ACTIVITY/CHARGE OFF DATE AFTER DISPUTE credit report XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Charge-off Date XXXX ) credit report XXXX XXXX, XXXX, XXXX ( XXXX XXXX/XXXX/XXXX XXXX Date XXXX/XXXX/XXXX ).
There is re-aging with XXXX, all three reports are inconsistent and the date of last payment an all three are incorrect. The charge-off date on all three are incorrect last payment XXXX, so charge-off date I believe should be XXXX.
INCORRECT BALANCES Because the information such as charge-off date, Date of last activity is incorrect the balance is also incorrect.
OTHER ERRORS credit report XXXX XXXX, XXXX, XXXX ( Date XXXX XXXX. XXXX Rpt incorrect ) credit report XXXX XXXX, XXXX, XXXX ( XXXX incorrect ) credit report XXXX XXXX, XXXX, XXXX ( Two maximum delinquency of 120 days in XXXX and XXXX ).
XXXX, XXXX, and XXXX XXXX past-due amount should be {$0.00} the account was sold or transferred to XXXX XXXX XXXX XXXX.
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| 07/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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|
Web |
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I took out a Target Credit Card in XXXX XXXX XXXX as I was at the time a frequent shopper looking to rebuild credit to obtain a newer vehicle and home down the line. Things went exceptionally well with having this credit card until the gaps of employment from XXXX XXXX XXXX XXXX XXXX XXXX in which the latter resulted in me losing my home, my vehicle, without financial assistance as I am estranged and disowned by EVERYONE in my life for personal reasons.
I was also denied unemployment due to previous reasons of not reporting new employment ( which was relayed that I had never been in that position of having to do so for years as I had maintained stable employment until XXXX XXXX XXXX ), and I tried EVERYTHING in my power to avoid this situation. I explained to them SEVERAL TIMES that I was not in a position to pay at the time, however when I started to get back on my feet, I paid what I could and in XXXX XXXX XXXX the account was INCORRECTLY charged-off because an incompetent employee WHO DID NOT DO THEIR JOB in WHICH THEY CONTINOUSLY DENY AND DENY TIME AFTER TIME. I made a plan to pay the account in full as opposed to a XXXX-year payment plan which would have been tedious as I am currently homeless without a vehicle, I sometimes sleep in abandoned buildings for air-conditioning and a warm shower. I also sleep on the streets and motels when the city provides vouchers for stays. I was in a XXXX XXXX relationship in which I am a victim of XXXX XXXXXXXX, I have had my XXXX XXXX, XXXX XXXX, had to take unpaid XXXX XXXX from a part-time that was barely paying the bills to begin with, I was also diagnosed with XXXX which limits my food choices that results in me NOT eating most days and in spite of the mentioned circumstances I managed to catch up on my bills including pay this account off IN FULL W/O a settlement plan.
I complained to the XXXX SEVERAL TIMES ON THEM AND THEY STILL DO NOT ADMIT TO ANY WRONGDOING!!! ADDITIONALLY, THEY DID NOT PROPERLY VERIFY XXXX IN TERMS OF MY ACCOUNT, THEY KNEW I WAS EVICTED AND I COULD NOT RECIEVE ANY MAIL AT ALL ALONG WITH BEING PROHIBITED FROM BEING ON THE PROPERTY AFTER MY EVICTION. THE LANDLORD WROTE ME LETTER STATING THAT I WAS NOT ALLOWED ON THE PROPERTY NOR COULD MAIL COME W/O PRIOR APPROVAL SO THEREFORE I NEVER RECEIVED A LICK OF XXXX VERIFICATION FROM THESE UNEDUCATED XXXX REPRESENTATIVES XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND NEED TO LEARN RESPECT ALONG WITH LACK OF EMPATHY!!! I PROVIDED THEM WITH HARDSHIP DOCUMENTATION AND ALL THEY COULD SAY WAS " SORRY TO HEAR THAT '' IF THEY WERE XXXX SORRY THEY WOULD HAVE HONORED MY REQUEST!!!! I AM TRYING TO GET A PLACE TO LIVE AS I AM SICK OF LIVING ON THE STREETS, LIVING MY LIFE, NOT HAVING A VEHICLE, FRIENDS, A HUSBAND WITH A FAMILY, ETC. THESE PEOPLE NEED TO FIX THIS XXXX XXXX IMMEDIATELY!!!
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| 08/24/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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Starting XX/XX/2018 I made online payments through XXXXXXXX XXXX to my TD Bank Credit Card. I used the same payee as I have been using for the past 2 years without incident, no changes from my side. I made 3 transfers, {$2000.00} on XX/XX/XXXX, another {$750.00} on XX/XX/XXXX, and {$100.00} on XX/XX/XXXX. As of XX/XX/XXXX I started receiving calls from vendors I had made TD bank credit card payments to saying my CC was rejected. I went onto my TD bank online account and found the money was never posted.
Beginning XX/XX/XXXX, 3 days, ago I started making strong and even frantic calls to both XXXX and TD Bank. TD Bank customer service rep I first spoke with told me that " I've been getting calls like this from XXXX customers all day ''. Later I spoke with a supervisor who told me that it was a known issue but that I had to call XXXX.
XXXX employees contacted their 'back office support team ' and were told on two different occasions that my money was not only sent on the XXXX but SHOWN AS RECEIVED BY TD BANK. Yesterday XX/XX/XXXX they told me that they could not give me my money back ( as TD supervisor had told me earlier that day - go to XXXX and get your money back and then send it again to us! ). XXXX told me that they did not HAVE the money. They then gave me the tracing numbers on the 3 transfers which as you see below I gave them to level 2 support but have heard nothing back.
For two further days I have spoken with XXXX and TD. Though XXXX has been pro-active, following through and phoning me back, to this moment TD has not contacted me once, instead I have to waste close to 30 minutes each call just getting through to the right team and getting a supervisor online. None of which have a clue and just say things like " this is being looked into '' and " this is being worked on. Starting 2 days ago I asked level 2 support credit card support supervisor at TD Bank ( I have names and ID number of at least her - she's very nice and caring but completely ineffectual ). for the following : a. WHO STOLE MY MONEY, I need to know where it is and stop getting the run around. Her answer is only " we are working on that but we were told to tell you to contact XXXX.
b. I need a letter from TD bank absolving ME of this to send to my vendors/creditors since I am looking bad though I have done my duty to send {$2800.00} which has either been stolen, diverted or lost in the eithers! They said they would request this from Corporate and 2 days later I have not received anything.
c. An explanation of what has occurred, no matter when I am given the money back ( which I of course will happen any day now ).
Just now after another 2 hours bouncing between departments, I was able to find the phone number of the Corporate Complaint Center, I called and there is a machine I left a message.
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| 09/07/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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I contacted TD Bank 3 times today due to bank error fees I have received on my checking and savings. I was able to resolve the first issue with the first supervisor at approximately XXXX on XX/XX/XXXX. I also recorded our conversation in which XXXX reassured me that I would not receive an NSF fee because I was in - {$9.00} short after the check payment of {$270.00} came out of my account.
However, the {$270.00} was processed and posted on XX/XX/XXXX at XXXX yestersday morning. But TD Bank reservsed this ACH payment that was already processed just to pay a gas station charge of {$55.00} that came in for processing at XXXX on XX/XX/XXXX. I have a problem with how they are processing these payments and not showing an ledger on my transaction history and on the app which is supposed to show these transactions in real time. When I logged in this morning my balance changed from approx. {$580.00} to {$890.00} within 5 to 10 minutes after the supervisor XXXX reversed my NSF fee of {$35.00}. This means that TD Bank refused to pay a ACH debit that was already processed and posted yestersday at XXXX on XX/XX/XXXX. Due to a bank error that was caused by them because there is more than enough funds to cover this payment. And if there wasn't enough funds to cover one of my transactions that does not give TD Bank the right to reverse a payment the was already processed and posted to pay a pending that came in afterwards.
This is an accounting nightmare which makes it hard to balance my account and avoid any unnecessary bank fees. There were other pending charges that was paid first when they was charge after the ACH debit was processed. Therefore, this payment should have be paid and not reverse after the payment on XX/XX/XXXX and it's still showing posted today on XX/XX/XXXX. When I called a third time today about this issue 10 minutes after I just got of the phone with the supervisor XXXX. I was transferred to another supvisor that tried to convince me that their accounting is correct. The excuse she gave me, is because I opted out of their overdraft program.
Which does not have anything to do with how and when payments are being processed. I have proof based on my ledger that TD bank had no reason to reversed a payment that was already processed and is showing posted.
Due to TD Bank error not to push this ACH debit through today. I will most likely receive a return check NSF fee from my property management office, and a {$35.00} NSF fee from TD Bank.
I am requesting a record be provided to CFPB to show when each of my transactions was processed and posted as of XX/XX/XXXX until XXXXXXXX XXXX XX/XX/XXXX. These are the same shady tactics that caused them to be in violation in XXXX.
This bank needs to be thoroughly investigated, and their accounting records audit.
Thank you
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| 06/20/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
Servicemember |
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Hello, This complaint is on TD Bank. Recently I noticed a charge on my credit card that I never authorized. The charge was for {$4900.00} from a company called In Compliance Services on the date of XXXX/XXXX/XXXX. I always pay my balance and usually review our books. Upon a closer look we noticed this charge and we have never given out our credit card number to a company like this. The first thing we did was try to find out why the charge was made, so we did some research on the company to find out who they were. We called the number we got off the internet and asked who they were and if they could give us some info on why they billed us. They told us that they did compliance services and they have no records of charging our card, but they could n't give our money back. The only thing I wanted to know was why I was charged and they gave me a very vague ambiguous answer. I was upset because not only did they take my money, they would n't tell me why. The next thing I did was call my credit card company. TD Bank. This first phone call was made on XXXX/XXXX/XXXX. TD Bank started a fraud investigation, and said that they would do the research and find out what was going on, and also that they would credit me back the money that was taken if they find out the charge was not good. They said the investigation would take XXXX10 business days. So I called them back on XXXX/XXXX/XXXX and at that point they asked me to send a affidavit claiming fraud. So I sent them a letter stating that I had no business with this company. I finally heard back from them about a month later and they said that since the charge happened 2 years ago that I was responsible. I asked them about their XXXX $ fraud liability, and they said that it did n't apply here. They made it seem like they did n't even do an investigation on this company. They had me send them an affidavit and they did n't even lift one finger to try to figure out why these people charged me! I did my own research and I found out that the fair credit and billing act said that I was protected from fraudulent charges and that if I was billed that the merchant should have to provide documents saying what they charged me for, an invoice, something. Anything! So I wrote TD Bank another letter that included these federal laws that I looked into. Again I was denied. I also asked them to resend the information for the denials so that I could attach it to this complaint. They said they would, but they never sent anything. So I feel like I was victimized by someone who got my credit card information and that the bank unfairly denied my claim without even looking into it. I was just given the run around, and I was n't protected by my bank against this fraud. My husband has served in the XXXX and I just feel like we were left out to dry by TD Bank.
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| 09/02/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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|
Web |
Older American |
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This complaint is a follow-up to a complaint about TD Bank that I filed with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, CFPB Case # XXXX. Upon receiving a response from TD Bank on XX/XX/XXXX, in the form of a letter addressed to me dated XX/XX/XXXX from XXXX XXXX. XXXX, Vice President of TD Bank 's ATM Channel, the CFPB closed my complaint, noting that the complaint was " closed with monetary relief. '' As part of its procedure when a case is closed, the CFPB requested my feedback to the Bank 's response, allowing me until XX/XX/XXXX to provide this feedback. I did so today, XX/XX/XXXX. Attached is a CFPB-generated document that encompasses my complaint, TD Bank 's response to my complaint, and my feedback ( my response to TD Bank 's response ). The CFPB calls this document a Complaint Detail ; I have added today 's date in naming this document.
When you study the attached Complaint Detail you will observe that, in my response to TD Bank 's response ( hereinafter, my response ), I noted the fact that the CFPB feedback procedure does not permit evidentiary documents cited in the feedback to be attached thereto. Furthermore, after I submitted my response, I was disappointed to see that the text of this lengthy response, which I had written as numerous paragraphs for easy and peaceful reading, had become one unbroken piece of text, giving it the appearance of an emotional diatribe, a rant, instead of a logical argument.
Accordingly, I am also attaching to the instant complaint a document entitled " response to XXXX,, XXXX '' that contains the text of my response in the paragraph-subdivided format by which I composed my response and intended for it to be read.
Moreover, for the reader to be able to fully understand my response to Mr. XXXX 's letter, it is necessary for the reader to read his letter, preferably before reading my response thereto ; accordingly, I am making his letter easily accessible by attaching a scan of it hereto as a document entitled " XXXX letter, XX/XX/XXXX. '' Finally, I am attaching the evidentiary documents cited in my response that CFPB procedures did not permit me to attach to that response : three self-evidently entitled letters issued by TD Bank denying the three corresponding claims that I made to the Bank ; a document entitled " Secure Messages, XXXX, '' that contains my email correspondence on that date with a TD Bank customer service representative named XXXX ; and finally a document entitled " Reg-E Claim, filed XXXX, '' which consists of my third claim to TD Bank unlike my first two claims, which I filed myself, this one was filed on my behalf by employees of the TD Bank branch closest to my residence, namely the XXXX XXXX branch and the response thereto on XX/XX/XXXX by a TD Bank investigator named XXXX XXXX.
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| 03/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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Web |
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XXXX XXXX notified me in my XXXX credit card statement that TD Bank had purchased the XXXX XXXX Cash back Visa card, and that TD Bank would no longer be continuing the XXXX Cash Back Rewards program. As a result, no more cash rewards would be deposited into my XXXX online savings account after XX/XX/2020. At that time, I called XXXX XXXX to redeem the current balance in my Cash Back Rewards account, and deposit them into my XXXX online savings account. I was asked if I wanted to continue my credit card account with TD Bank even though they would no longer be offering the XXXX Cash Back Rewards program. I told them that I did not want to continue my credit card account with TD Bank if that were the case.
I got my final credit card statement on XX/XX/2020 for the period XX/XX/20 - XX/XX/20. During that period, I had accumulated {$20.00} in current cash back rewards in my account. When I called to redeem the rewards, TD Bank told me that since I had declined their credit card offer, the accumulated rewards were no longer available to me. They stated that by not accepting their offer to continue my credit card account with TD Bank, I had " by default '' closed my account. And they stated that once an account is closed, the cash rewards are forfeited to TD Bank.
When I called to complain, I spoke with Agent XXXX # XXXX and Agent XXXX # XXXX, who both told me there was nothing they could do to get my cash rewards back to me because that was their company policy and they can not change company policy. They further stated that they could prove that this was their company policy because it says so in their credit card agreement that they can keep these cash rewards funds once the account is closed.
I don't see how this can be legal. If so, TD Bank is being allowed to keep all the cash rewards that have accumulated in all the accounts for all their customers who did not agree to accept their TD Bank credit card. They are telling me it is legal because they sent me a notice stating that if I did not redeem my remaining cash rewards by XX/XX/XXXX, then I would forfeit the rewards, but I told them that I did not get that notice. Their position is that since they told me that they sent it to me and it states in my credit card agreement that they can keep any cash rewards from an account that is closed because I did not accept the terms of their new credit card, then there is nothing they can do.
I don't think the cardholders who decide not to accept the TD Bank credit card terms are aware of this policy by TD Bank. And that's a whole lot of money that will be forfeited by a whole class of consumers, including myself, who will lose thousands of consumer dollars in cash rewards balances that must be forfeited to TD Bank as a result of this self-serving company " policy ''.
|
| 07/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
|
Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report. I have carefully reviewed my credit report from XXXX, and I believe there are several items that are not reported correctly.
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 USC 1681.
XXXX, account number, XXXX, inaccurate amount shown on the credit report.
XXXX account number : XXXX, inaccurate amount shown on the credit report.
XXXX XXXX : XXXX, inaccurate amount shown on the credit report, accounts closed In XXXX.
XXXX XXXX inaccurate amount shown on the credit report. I have disputed the amount several times.
XXXX XXXXXXXX, inaccurate amount shown on the credit report.
XXXX XXXX XXXX XXXX, Not my debt, do not know why or how this account exists on my credit report.
XXXX XXXX Account closed company stop reporting and no longer in operation.
XXXX XXXXXXXXXXXX XXXX Not my debt, do not know why or how this account exists on my credit report.
XXXX XXXX XXXX Not my debt, do not know why or how this account exists on my credit report.
The accounts above violates Fair Credit reporting act : 15 USC 1681 section 602 A. States I have the right to privacy.
15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
15 USC 1681c. ( a ) ( 5 ) Section States : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to investigate and verify the accuracy of the disputed items within 30 days of receiving this letter. I kindly request that you investigate these matters promptly and remove any inaccurate or unverifiable information from my credit report.
Additionally, I request that you provide me with a written copy of the results of your investigation and a corrected copy of my credit report. Please ensure that any corrected information is sent to all creditors who have received my report in the last six months, as per my rights under the FCRA.
I appreciate your prompt attention to this matter. If necessary, please contact me at XXXX or via email at XXXX to discuss this dispute further.
I look forward to a prompt resolution of this matter.
Thank you for your assistance.
Sincerely, XXXX XXXX.
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| 05/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Target/ TD is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Target/ TD, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Target/ TD whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Target/ TD never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
|
| 06/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I the consumer checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry was made : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX NJ XXXX Inaccurate information reported XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Inaccurate information reported XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Inaccurate information reported XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inaccurate information reported I the consumer contacted XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX and XXXX XXXX Card who were the ones who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I the consumer also asked them to stop their illegal activities according to 15 USC 1681b 604 ( 2 ) immediately, but there has been no change and no response from their office. Since I the consumer sent these letters more than 30 business days ago, they have not responded and they failed to honor my request. The inaccurate information being illegally reported has unfortunately caused me harm.
I the consumer wasnt able to obtain credit, housing, or employment and my ability to obtain insurance because of this inaccurate and unverifiable information is being reported on my consumer report. I the consumer did not apply for this and had the ( credit bureau ) been in compliance with the FCRA 604 15 USC section 1681b and 15 USC 1681A ( 1 ) as well as 15 USC 1681A ( 4 ) of the FCRA fairness, respect for consumer rights, impartiality and my right to privacy as the consumer would not have been violated. The banking system, being dependent on accurate credit reporting which is an essential part of the bank 's function as well as the publics confidence would not have been violated. It is your duty as a consumer reporting agency to report accurate information which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevance, and proper utilization of such information in accordance with the requirements of the FCRA 15USC 1681B.
I the consumer would appreciate your help in resolving this matter and removing this inaccurate information within 15 days required by the law. Please never ever report this inaccurate information on my report ever again.
Thank you for your help and assistance.
Sincerely, XXXX XXXX ____________________________ XXXX XXXX
|
| 06/23/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
I had fraud on my target XXXX card in XX/XX/XXXX after the issue of the fraud got fix than I notice theres huge changes on my account from not owing got to {$700.00} dollars and I made some purchases and made payment on XXXX and XX/XX/XXXX than in XXXX still calling to understand what is the sloppiness in my account as it didnt make no sense and why all my purchases for {$400.00} in XX/XX/XXXX that I purchased and returned by the store manager for XXXX one item was kept it went back as purchase and on that day XXXX XX/XX/XXXX I paid for the same items XXXX. XXXX which it was returned on XX/XX/XXXX and some random XXXX keep coming up on my statement several times as I was confused whats going did my best to get anyone to get help but nothing but run around silence, than in XXXX I got XXXX XXXX I called twice 2 different employees of target told me not to pay as my account under investigation as result I did make payment because I was told so first the account its not understandable waiting to get help on top of it in XXXX I realized target reporting me as missing payment how do I understand that called made payment of XXXX XX/XX/XXXX than than I made payment of XXXX per XXXX another target employee so I paid because I wasnt going anywhere today I want to get mortgage loan sure enough target reporting me on XXXX XX/XX/XXXX again as missing payment and I called to see whats the problem again XXXX supervisor told me she not going throu long as conversation you are XXXX we not going to help you how is it my fault when I tried and paid something that I didnt feel its right and I didnt made decisions just not paying my bill with continued calls from XXXX to XXXX if XXXX seriously is that how target going to treat me after I been loyal customer never been late since XXXX all of the sudden Im late while Im trying to get help if Im in default I pay but to report me just because you refused to help me and giving me wrong information by target employees, Im still trying to understand my bill as how do I owe target such big bill and making me pay for something that was retuned, since I knew Im going to buy house I made sure I always pay my bills on time never be late sure enough my dream shattered due to big corporate selfishness and liar cheat and fraud target. Hopefully whom ever read this please help me as I never intent not to pay my bill specially in this pandemic why would you say Im XXXX without getting help. Moreover, I made two payments in XXXX XXXX XXXX and {$50.00} dollars on I believe XXXX XXXX but very very conveniently my XXXX dollar payment its missing as I paid cash in XXXX for both payments and so in XXXX or XXXX very very convenient. Greatly appreciate your prompt attention to this matter why target keep reporting me as 30days late. Thank you. XXXX XXXX XXXX
|
| 07/01/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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On XX/XX/XXXX, someone managed to withdraw {$760.00} from my checking account, leaving me with a negative balance. I did not realize my account was in the negatives until the following day, XX/XX/XXXX. Between that time, I deposited {$200.00} at a TD Bank ATM, paid for gas, and purchased a drink at XXXX without realizing my account was compromised. I never received a notification stating that I was, the only reason I found out was when I decided to do my weekly check up on my bank account through the TD Bank app on my phone.
I immediately went to a nearby TD Bank in XXXX, NY and explained my situation. The employee who helped me issued me a new debit card, and filed a fraud claim for me. The following is what I stated in the claim : * I never lost my debit card, I even showed it to the employee before she gave me a new one.
* The location that the money was withdrawn from was at a TD Bank that I've never been to.
* This was the first time that I experienced bank fraud/theft.
* The money had to be withdrawn on XXXX in the early morning ( XXXX ), because I deposited {$200.00} around XXXX. I can not provide the exact time because that information is not shown on my statement or account history, only the date is shown.
* Assuming the money was withdrawn some time between XXXX, how could I deposit {$200.00} at a different location that was over 1.5 hours away.
After I filed the claim, I waited 10 business days for a reply from TD Bank. During this time, I was also hit with a {$140.00} overdraft fee. The bank eventually told me that my claim was denied because according to them, my debit card was used, the PIN was entered correctly the first try, and the location it was withdrawn from was nearby my home address. I stated again that I never lost my card, and I have no records of ever going to this particular TD Bank ATM before. After speaking to the employee at the bank, and also calling TD Bank 's Customer Service, I was recommended to file a police report. Which I did.
The bank employees told me that I should bring a copy of the police report to them so they could open up another fraud claim for me. However, the police told me that I can not receive a copy of the report. So I left it up to the police and detectives to take care of the situation for me. I also opened up a second fraud claim to classify my account as " under investigation '' to prevent it from being closed. I have waited over a month now and still have no word from the police/detectives and my fraud claim was denied again. During this time, my job continued to pay me by direct deposit so I was able to bring my account into the positives again and have access to some money. I have since withdrawn almost all of my paychecks as cash the day I get paid, to prevent the chance of facing further theft.
|
| 09/12/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
My checking account was used against my permission to transfer money to another account. When I discovered the transaction I was traveling on the XXXX XXXX of the US where there are no branches and am scheduled to leave for XXXX on a trip for over 3 weeks in 2 days. I was told that in order to remedy the situation, that both accounts needed to be closed, and that I would need to establish a new account.
AT THAT TIME I WAS VERY EXPLICIT IN MY QUESTIONING OF THE REPRESENTATIVE TO THE EFFECT THAT I MUST MAINTAIN ACCESS TO MY MONEY VIA DEBIT/CHECK CARD OR OTHERWISE BE PROVIDED A REPLACEMENT PRIOR TO MY DEPARTURE IN 2 DAYS. I MUST HAVE REITERATED THIS POINT 5 TIMES.
I was assured that this would be taken care of. I was assured that my new account would be opened overnight and the next day that my old debit card would be assigned to the new account where it would be able to access all of the funds.
In the interim I WAS REPEATEDLY ASSURED THAT WHEN I NEEDED MONEY LATER IN THE DAY THAT I COULD CALL THE FRAUD DEPARTMENT AT XXXX XXXX XXXX XXXX AND A REPRESENTATIVE WOULD AUTHORIZE A 1 TIME ATM WITHDRAWAL WITH A CURRENT CARD IN MY POSSESSION. I MUST HAVE HAD THEM REPEAT THIS BACK TO ME AT LEAST 3 TIMES.
Tonight, I went out for dinner for business purposes. I offered to pay the tab. My guests had to catch a flight and i offered to pick up the tab. After they had left it dawned on me that my cards were invalid, and I have no cash on me. The manager would n't accept my drivers license or watch as collateral so I called TD Bank. They told me I was out of luck. I asked to be transferred to the fraud line. They informed me that my account was restricted in a manner that could not be remedied. They also asked why I would think that such a scenario could exist to remedy the situation. BECAUSE YOU XXXX TOLD ME SO.
So as i stood in the Bank auditorium, speaking very calmly with the representative, and their impotent manager, it dawned on me that they completely misrepresented my ability to access my own funds to me, simply to protect and limit their own liability. I would have accepted full liability for further breaches just to keep access to the money i need to pay the bills that I incurred and travel this week. I told the fraud department exactly that. Seemingly they do not care.
I 'm not sure why I 'm complaining about this via the CFPB. I am so embarassed by being handcuffed, not to mention furious for being held handcuffed and held outside of the restaurant like a piece of trash because my bank is paranoid that my password is n't secure that you can absolutely guarantee that i 'm going to file every single complaint available to me and every single lawsuit in every single jurisdiction I can find a court to subject you to.
See you in XXXX XXXX XXXX XXXX XXXX XXXX
|
| 10/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
I wrote to the address shown on my latest TD credit card statement in the section 'Billing-Error Rights Summary '. The first letter dated XX/XX/XXXX was never acknowledged by the bank. When I called on/about XX/XX/XXXX they claimed non-receipt. I resent the same letter via Certified Return Receipt mail and the XXXX delivered it on XX/XX/XXXX.
On XX/XX/XXXX I called TD Bank at the number indicated on the XXXX ' section, XXXX, and was told that there is no record of my letter. XXXX call center person at TD 'XXXX ' told me that the letter should have been sent to South Carolina not Georgia XXXX I referred her to the above Billing-Error section which shows the Georgia address XXXX She said she can't contact that department.
I eventually spoke to 'XXXX XXXX a TD Team Lead in XXXX XXXX. She is opening a new electronic dispute, referencing the letter, but it is not clear if my rights will be preserved as the " XXXX ' section clearly states that XXXXYou may call us, but if you do we are not required to investigate... and you may have to pay the amount in question '.
My complaint is that TD Bank Credit Card ServiceXXXX : - Did not acknowledge my first letter of XX/XX/XXXX - Did not acknowledge my resending the above via XXXX XXXX Return Receipt Mail, even though the XXXX returned the card and sent a message that the item was delivered - TD is not set-up to communicate between departments to the detriment of customers like myself. Nor did some of their staff know the dispute center was in Georgia.
- I have to pay the disputed charge and wait for their response Any assistance on the above would be appreciated.
Thank you.
TD Bank XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Credit Card # : Deleted for this Complaint I/N/O : Deleted for this compliant I had dinner at XXXX XXXX XXXX XXXX on XX/XX/XXXX. The receipt contains errors and I called the merchant XXXX times, once after the meal on XX/XX/XXXX, and XXXX today using XXXX XXXX option XXXX. Each time an automated message directed me to leave a message only to find that the mailbox was full and the phone system hung up.
The incorrect charges are : XXXX XXXX XXXX XXXX {$7.00} ( We ordered XXXX XXXX which they did not have this available on XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12.00} ( We only had XXXX glass of wine ) XXXX XXXX {$3.00} ( This and the XXXX were ordered by an adjacent customer ) The disputed sub-amount is {$22.00} This changes the old sub-total from {$100.00} to {$85.00} At XXXX sales tax the new tax is {$7.00} That creates a new total of {$92.00} The tip was 20 % yielding {$18.00} The New Grand Total is {$110.00} The Old Grand Total was {$130.00} The total to be refunded is {$26.00} Kindly investigate and let me know of your findings.
Sincerely, Deleted for this complaint
|
| 08/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Problem with a purchase or transfer
- Card company isn't resolving a dispute about a purchase or transfer
|
|
Web |
|
|
Numerous complaints were filed with a merchant XXXX XXXX over the last year online using XXXX XXXX as this is the only way they allow for complaints to be filed. The customer does not receive any copies or proof that the claim was submitted other than, at times an email days or weeks later stating that XXXX received it and it is " researching it ''. Each complaint was accompanied by screen prints and detailed descriptions of abuses and overcharges. About three months ago I compiled a list of all of the requests, individual overcharges charges, and literal theft from my account. XXXX never responded directly to my allegation but contacts me trying to sell more services and never returned the money or issues a credit. Since I could not get any response from XXXX I reached out to TD bank which issued a prepaid credit card. A claim was filed on XXXX. A was instructed to submit all relevant information which I did in a 105 page report which was faxed to a fax number provided in TD letter I received after I filed. Over two weeks went by and I received a letter form TD bank stating thy did not receive any documentation from me and are about to close my dispute and reject my complaint. I confronted TD bank via phone stating a have proof they DID receive the fax with 105 pages report and submitted that report via fax again for good measure. Again, no response from TD Bank... When I called and inquired about the status I was told that since the dispute is more than 60 days old they can't do anything about it ... That is nonsense, as my attempts to resolve this situation took a very long time I believed XXXX was acting in good faith and I had no reason to believe it will not be resolved in my favor due to the preponderance of the evidence I collected damming XXXX XXXX and their practices. When I explained again to the customer service rep over the phone, I was told that the claim will be looked at again. I would like to remind you that it seemed at no time TD Bank even looked at the report I provided. Again, no communication from TD Bank other than " boiler plate '' letters stating absolutely nothing! When i contacted TD BAnk again i was told that the merchant XXXX ADs provided an answer to my dispute to TD bank and based on that TD bank decided to reject my claim as according to them " error did not occur ''. I was floored as only an XXXX or someone completely biased would not see the logic and reason to approve my claim. I requested to see the response from XXXX and was told i will receive it via mail. That was 3 weeks ago... and I still have not recived it.
I have no faith in TD Bank protecting my deposits from fraud and abuses by merchants as this is not the first time this happened. In my 105 page detailed report I documented overcharges of {$18000.00}.
|
| 04/08/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
We took out XXXX home equity loans ( XXXX and XXXX mortgages ) with the same bank, TD Bank approx., eight years ago. ( we have a XXXX mortgage ). At the time, we had no idea the effect it was to have on our lifestyle especially after plunging into finanical hardship in 2011 and beyond. We began to beg them to lower our mortgage interest rates so we could afford the payments which we were starting to pay late and they would not comply. They soon began to ruin our credit and it got worse as we tried to process a remodification on our own twice and once, with a local HUD not for profit. It just kept being rejected. Finally, it got so bad we could not longer pay and stopped making payments for almost a year while looking for an attorney to assist us. They started foreclosure proceedings against us and would not budge no matter how many times we tried for a remodification. We spoke with several attorney 's and even wasted time with a firm in CA who told us they could get them to settle. They ended up almost stealing our money whcih we had to fight to get back. This bank is known to be " difficult '' with this sort of thing as per more than one bankruptcy/mortage attorney that we spoke with over three years. They are not difficult. They are impossible to deal with. According to their " standards '' we do n't meet the debt to income ratio that they establish and according to these standards we can afford these payments. They are going to tell us that we can definetly put food on our table with over {$2700.00} a month in mortgage payments and almost another {$1000.00} per month in regular bills!!! They offered us only a recast which they consider a form of modification. It is only bringing us current. It is not modification and they know it. They get away with calling it one. We owe even more now, our payments increased and they passed legal fee 's on to us too, about {$3000.00} per loan. They call themselves a friendly bank. There is nothing friendly about them. It is exploitation of middle class people who were just trying to do the right thing and consolidate bills that came partly from large emergency home repairs. We are also now facing a loss of income as one earner is very likely being laid off this spring from a long time position. We are going to lose {$30000.00} in income. According to their " standards '' I am sure we are going to be told that we can still 'afford '' this. I was just told this two days ago by one of these representatives who handles these complaints. It 's an insult to our intelligence. We have to face losing our home or being forced to sell if we ca n't get these loans modified? Six years and counting of suffering and misery. If we have a real emergency we care going to lose our house because of these loans. Shame on TD Bank!!
|
| 06/24/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
On XX/XX/2022 I was asked by a friend to cash her Social Security check. The check was in the amount of {$750.00}. I had her sign check over and went to my local branch and deposited check into ATM as I do with all my deposits. The check was not made available ( did not clear ) for 7 days. Once cleared I withdrew cash and gave to my friend.
on XX/XX/XXXX I called to check my balance and my account was negative over {$750.00}. I called the bank to see what happened and I was informed that this check was previously cashed by another bank and they had deducted funds from my account to cover. I immediately grabbed my friend and visited the branch office to speak with a manager. There was none on duty, however, the tellers proceeded to tell me this was my problem and nothing I could do. I asked for a copy of the cancelled check which I was given. On the back of this check there is no other evidence of a prior cashing activity. I was given the name of a XXXX bank that was the entity that cashed the check prior, but no further information was given. Since then I have spoken to a branch manager over the phone, and visited three different branch locations to attempt to get help with this issue. I was treated poorly and consistently told there was nothing I could do.
I then decided to research the federal reserve laws on line and came across a law put into affect to aide in disputes from mobile and ATM deposits called the Check XXXX XXXX. this states that the initial bank did not make " known '' the check was cashed, therefore, they would be responsible for the duplicate cashing not me. I brought this to the attention of my bank and I was told to get a lawyer. I am not rich, can not afford a lawyer. My account remains negative for 24 days while I have tried to resolve this issue. I have incurred bounced checks and fees from my creditors as well as the through my bank itself. They are now proceeding with collections and collections calls. I have no information to report fraud, or make claim with police because no one will tell me anything. I would like all of my money back including all fees both with in account and from my creditors charging me bounced check fees.
In my experience an check put on hold for 7 days is so it can be investigated that it is ; 1. a good check. 2. Has the funds available to pay!! Once it is " cleared '' it should be all set. Three months later with no prior notice, all of a sudden there's an issue. My bank could have taken a year to clear this check if they needed to. Once clear the customer ( me ) should be able to use those funds with out fear of later recourse and all because of technology and mobile deposits and ATM deposits. If the checks can not be verified they should not be accepted in this manner!!!! Please HELP ME!
|
| 09/22/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Before covid I just regularly made payments in store at Nordstrom, where my account had not missed a payment in over 3 years, but on this date most retail clothing stores were closed in XXXX Florida due to increase in Covid positive cases. On XX/XX/XXXX I logged into Nordstrom Card Services ( https : //www.nordstromcard.com/auth/accounts ) to make a payment of {$100.00}. I saw that the ACH bank account on file online was an old personal bank account that no longer existed so I then added a new bank account and proceeded to make the {$100.00} payment. I landed on a " Thank you for making a payment confirmation page where there was no error, no payment incompletion notification, no reason to believe that the task was not done. Norstrom immediately sent an automated email to thank me for making a payment but couldn't send a similar email, or even at the time of making the payment let me know that the old account they were trying to pull ACH from no longer existed, and to try a different bank account like the one I just added and thought I was using to make the {$100.00}, and made another {$65.00} & {$150.00} payment with subsequently?? When I logged into make the {$65.00} payment I still had no idea that the previous {$100.00} had bounced thus charging me {$25.00} in chargeback fees each time, but " thank you for your payments '' on these next two. Recently I began receiving notifications that I had a serious 30-59 day delinquency from XXXX and other credit apps. I logged in to XXXX saw that Nordstrom was reporting me and since I was certain that I had been paying on time and in good standing, I filed a dispute. A few days later I received a notification that Nordstrom upholds that the delinquency was true, so I then proceeded to call Norstrom to get to the bottom of this. The first associate and I determined that no bank account could be found for the {$100.00} I submitted payment for but that day that I did log in to make that payment I had added a new bank account. As XXXX as my witness I had every intention to make that payment but nordstrom card services website tried debiting my old account rather than the new one I had just added, and did not make reasonable effort to notify me to use a different account to make that payment. Rather let me think I'm good at time of transaction and let 30 - 60 days go by before me finding out that I'm delinquent due to a website Error and Ommission. The first Nordstom Card Services associate transferred me to their supervisor who understood what had happened here, but was forced to constantly reiterate the Fair Credit Act and could not remove this reported delinquency due to their website processing error. That this would be a courtesy removal and would put Norstrom at risk for fines and investigations.
|
| 08/04/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I have been a very good credit customer with Target for almost two decades. Over the years they have increased my credit limit to XXXX. On XX/XX/2020, I received a credit alert from XXXX XXXX. That alert indicated that Target has reduced my credit limit from {$12000.00} to {$3500.00} which can impact my credit rating. I checked my Target account and it did show that my credit limit was now set to {$3500.00} with no notification and no explanation. I contacted Customer Service immediately. I was told by the account rep that it was due to the fact that I hadn't used the card in six months. I was appalled given that they would take this action for non-use during the Covid-19 pandemic. I then requested to talk to a manager. The 'manager ' told me that it was because I had a high balance on one of my revolving accounts which was reported by XXXX. She would not tell me what specific account nor give me any information on how to contact the credit reporting agency. Prior to this event - my total credit usage was at 8 %, but now it is at 11 %. They told me there was nothing they could do. I told them that I do not understand why they did not notify me of this change that impacts my credit rating and I only found out about it through another bank. They told me that it is nothing that they did and that it was because of the credit reporting agency actions.They also said there was nothing Target credit services could do to help me.
As a result of this change my previous credit rating of XXXX has dropped to XXXX.
I have a separate account that I recently took advantage of a 0 % interest deal to pay for a college fee of {$6000.00} for my son because I can pay it off gradually over 9 months instead of paying up front. I can only assume that is the account they are flagging - but I've had much higher balances on multiple cards in the past, temporarily, without these kinds of actions being taken, so my only thought is that they are likely cutting credit lines to many people to limit risk due to the pandemic. I paid off a lot of debt over the past year - including my vehicle and am almost done with a home improvement loan which was originally {$25000.00} and is down to $ {$3100.00}. This is disturbing because other accounts could take similar action because of this event and further damage my credit rating.
I have been employed with my current employer for over 20 years and am able to work from home 100 % of the time. My company is doing very well through this crisis. I am very low risk for creditors, and this is very disturbing that they can do this and have this negative effect on my credit rating without even notifying me. I can only imagine what this could be doing to people that actually need to use their credit lines during this difficult time.
|
| 09/24/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
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I had a TD Business Visa card. I canceled it on Monday XX/XX/XXXX. Prior to this I received a letter in XXXX stating that they have been trying to call me to no avail. ( I have received 3 more letters like this ) I was on vacation and there was no message on my telephone upon return. I look on line to see my balance and wonder what they're calling about because I really don't use the card and was planning to cancel it. To my amazement there are charges of almost $ 50K on the card including on XX/XX/XXXX payment reversal of {$27000.00}, on XXXX {$30000.00} payment reversal XXXX payment received, XXXX payment received XXXX XXXX {$3200.00} and another charge for {$950.00}. and list goes on. I called the fraud department immediately and no one seemed to be too concerned. They said someone would get back to me in 24-48 hours. I called after 24 hours and they said 24-48 hours didn't mean days it meant business working hours 3-6 days. Then they asked me if I wanted a new card. I said no I needed to get this resolved. They said they couldn't do anything because they couldn't verify who I was and that I needed to go into a branch. They then said that they just issued 7 new cards ( This was a business account ). I went crazy and ran down to the branch. The customer service rep at the bank could not believe they sent me there and I had her call the fraud line and she couldn't believe what they were telling us. I asked that they cancel all cards and put a freeze on the account ( which they had told me they had done when I called twice before ) as long a I would get something in writing. Today I receive two letters one dated XX/XX/XXXX that said account closed and cut up card but I am still responsible for account balance and future charges. The other letter I received today ( XX/XX/XXXX ) says that I agreed to use the TD Credit card in compliance with ... Unfortunately they're revoking my charging privileges effective immediately for failure to comply.Signed by a senior vice president and then it says this is an attempt to collect a debt. Please help me. My husband and I are upstanding members of the community with a FICO of over 800. The last thing I remeber doing is requesting a credit which I received and when I wanted to cancel they mentioned that I had points and I should use them before I cancel the card.
Another strange thing happened. I received a call from XXXX asking if I had requested a credit card be delivered to a XXXX XXXX in XXXX XXXX Florida. I said why would I do that? The person said that was why she was calling. Shocked I didn't ask for name incident number. I asked what credit card it was and she said she could not tell me and she would notify the issuer. I do not know if this was ever done, which card was it also part of the scam?
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| 03/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Company Name : TD Auto Finance Reason for Dispute : Never Late, Account Was Paid As Agreed.
TD Auto is reporting an account as being 30 days late on my credit report and fail to correct this error with the credit bureaus. I have disputed with all three Bureaus and although I submitted evidence of no late payments, they still failed to update the inaccuracy on my report.
On one bureau TD Auto is reporting XX/XX/2022 payment as 30 days late and on the other two bureaus, it's stating XX/XX/2022 payment as being 30 days late. That's one major inaccuracy right there, because they are reporting different records across the bureaus ( which calls for an automatic removal ). Secondly, no payment was ever late for any of the months ; therefore information being reported as 30 days late is incorrect. Please view supporting documents as proof of ALL payments for the full year of XXXX and have them update this inaccuracy accordingly. ( Attachments 1-4 : TD Auto Payment History for the year ) In addition, I'm also submitting proof rendering my mother as the actual owner of the account as well. Attached, you will find her bank statements showing payments coming out of her account faithfully for the whole year. There, you will also see that the XXXX and XXXX payment were NEVER late or missed. Although she had a 15 day grace period every month for every payment, she NEVER went passed her grace period ; being that the account was in my name, I made sure of it. ( Attachments 5-16 : Mom 's Bank Statements for the Year ) So to reiterate, ALL proof will be attached with this complaint. I'm not sure why TD Auto insist on reporting this inaccuracy. At first, I believed it was an honest mistake, but recently I found out that they did a soft pull on my credit in XXXX right before they reported the inaccuracy on my report. It had been six years of payments being paid on time and my mom was on the last payoff payment ; therefore, there was no need to inquire on any of their services, no reason to refinance, or etc., so why were they soft pulling my credit? Now, it appears as if they were intentionally trying to sabotage my records. If you take a look through my credit report, everything is always paid on time ; I do not believe in late payments. TD Auto saw this and for whatever reason, decided to report their inaccuracies. I'm the type of person that stays on top of my credit just to ensure accuracy of what's being reported ; reason being is because companies like them report inaccuracies all the time. If you are not attentive to errors being reported, they will continue to report false information. This is not right and they should not get away with this. No company should.
So again, please have them fix and update this inaccuracy on my report accordingly.
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| 08/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I lost my credit card on my way to XXXX. As soon as I got there, I canceled the card and asked for an emergency replacement card under the terms of my XXXX agreement, as follows : The following statement was taken from the XXXX web site : If your card is lost, stolen, damaged or compromised, we will work with your financial institution to approve and expedite the delivery of an emergency card to you. XXXX XXXX XXXX XXXX XXXX XXXX are on stand-by. Call us toll free ( XXXX ) or call one of our global toll-free-numbers.
I tried over and over again for 7 days to get a replacement card. XXXX could only tell me that TD Bank had not yet approved it. TD Bank said it was waiting approval. After a week, TD Bank said my request was denied and was unable to provide any reason for the denial, or any person who could explain it. This seems totally wrong for a person who has not had any late payments in over 25 years and has an XXXX credit rating to be treated this way. If they had provided a reason, I could have corrected any misinformation they may have had, and gotten the replacement card.
As a result of TD Banks refusal to replace my credit card, I was later erroneously charged {$330.00} from a car rental company who was never willing to provide me with a car.
When I returned from XXXX, I contested the charge for the rental car and {$330.00} was taken off my bill on XX/XX/2018, after which I sent TD Bank 3 different sets of information supporting my chargeback claim.
On XX/XX/XXXX, the charge was reposted to my account. I was about to file a formal complaint at that time, but on XX/XX/XXXX, I was sent a letter stating that the dispute was resolved in my favor. However, to this day, they have refused to credit back my {$330.00}. It has been 23 days since the dispute was resolved in my favor. I called on XX/XX/XXXX and was told I would have to wait another 3 or 4 days.
Today ( XX/XX/18 ), I spend an hour on the phone trying to get an answer. The answer I got was infuriating. I was told We made a mistake and you will get your refund within 14 days. That would be a total of 37 days that they have been holding my money without justification. I also have no reason to believe that they will honor the 14 day commitment.
When I asked to speak to a supervisor, I was told that none were available, and one would call me back in 24 to 48 hours. I find this totally unacceptable when a charge appears on my account in less than 5 minutes, but it takes 37 days to return my money that they have because of their mistake. I was forced to pay them this money to avoid finance charges.
So, I am asking for the immediate return of my {$330.00}, and that they pay a penalty to you or me for misappropriating my money and violating the terms of my XXXX agreement.
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| 01/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Hello, I am voicing a formal complaint against TD Card Services. My wallet and credit cards were stolen in XX/XX/XXXX. TD notified me via text message of potential fraudulent activity on XX/XX/XXXX, and prevented numerous $ 1,000+ transactions to XXXX XXXX via XXXX XXXX. When I called TD to confirm the transactions were not initiated by me, I had voiced concerns about {$0.00} transactions for " Mobile Wallet '' listed on my online account as recent transaction activity. The representative said they meant nothing and didn't move forward with the issue. They blocked the fraudulent charges, and issued me a new card number.
Well, on XX/XX/XXXX, my TD credit card was once again compromised. On XX/XX/XXXX, I discovered TD allowed a {$1000.00} transaction to be paid to XXXX XXXX via XXXX XXXX on XX/XX/XXXX. The same amount, company, and payee they blocked one month prior. I had to speak to numerous representatives to get through the system in order to speak with a manager in the fraud department. After having to retell exactly what happened 3-4 times, the call was disconnected, and the manager did not reach back out to me. After I called back and had to go through all of the prompts and security again, I was informed by another Fraud Manager that my card was compromised because " tokens '' were left available on my accounts. These tokens connected my new card number with my old card number. And when the first new card number was issued, it was sent directly to the fraudster- to SEVEN virtual wallets. This means that the 6+ representatives within the fraud department who arguably should be more informed on fraud tactics than myself did not think to consider this issue a possibility, when I had multiple {$0.00} mobile wallet transactions on my recent account activity.
I am utterly disgusted by the service I've received. The representatives in the fraud department at TD failed me. They allowed a fraudulent transaction to go through on XX/XX/XXXX, and have yet to reverse the transaction to make me whole as of XX/XX/XXXX. This is utterly unacceptable.
I received a voice message from a manager at TD, who told me that this will likely not be resolved until XX/XX/XXXX 23 days after the fraudulent activity occurred, and 18 days after they were notified. Not only has TD bank failed to protect me from fraudulent activity, they are creating significant hardship and anguish by failing to rectify the failure and make me whole.
Whats more, this credit card account was fraudulently open for me by a TD Bank branch representative in XXXX. When I called this branch in XXXX, PA to notify them, they told me that the employee was let go and there was nothing else they can do.
TD Bank should be investigated for unfair and unacceptable business practices.
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| 06/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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TD Bank has harmed my credit after failing to inform me on account delinquencies on a pair of co-signed loans ( *details in TDdispute_letter attachment ). This has recently restricted my ability to apply for a mortgage, and will continue to impair my borrowing and employment opportunities as the accounts are currently set to remain on my credit for 5+ years.
Even after promptly paying back the balances with interest, identifying the TD Bank errors that prevented notification, having a branch manager advocate on my behalf, and disputing the credit deficiencies with all 3 credit bureaus, TD Bank has not taken corrective action to remove negative information from my credit report ( *see dispute results in attachments Equifax , Transunion , and Experian ). As my actions and credit history clearly attest, I would never had allowed these delinquencies if I had any notification.
In addition, failure to inform me of delinquency on 1 account ( XXXX ) concealed untrustworthy behavior of a babysitter working for my wife and me. The babysitter would later go on to make {$1000.00} of fraudulent charges on my credit card and steal cash from our home ( *see attachment PoliceReport1,2 ).
What is worse, after this theft in XX/XX/XXXX, I inquired about the accounts in the XXXX XXXX XXXX TD Bank branch where the loans were made, and again I was not informed of the delinquencies. I was told only that the accounts were closed.
When I finally discovered the delinquencies through a credit check for a mortgage in XX/XX/XXXX, I satisfied the balances within 1 day ( *see attachment TDPayoff_proof ). One of the co-signers had neglected a final payment that was not automatically withdrawn. He paid immediately when I called him. The other was with the babysitter who stole from us, and this one I paid off myself for {$4300.00}.
At this time I discovered that TD Bank had recorded an incorrect address and birth date for me at the origination of the first loan and had not verified any of this for the second loan ( *see attachment TD Contact Info ). Instead of taking the address from my drivers license or from any application I would have filled out, TD Bank recorded my address as the same as the first co-borrower. I have never lived in that town or with the co-borrower. The incorrect birth date on record is also inexplicable. TD Bank has not provided me a copy of the loan applications for either loan or offered any explanation of these clear origination errors.
XXXX XXXX, the TD Bank branch manager at XXXX XXXX location in XXXX helped me process payments. Seeing the errors in my account information, he filed a Consumer Credit Report Dispute Form ( *attachement TDdispute_letter ) on my behalf. This has apparently not had any effect on repairing my credit.
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| 12/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I was charged 12 basis points ( {$330.00} ) more in up-front fees for my mortgage loan in the days leading up to my closing on XX/XX/2020.
In the attached you will see my original rate lock agreement stating I agreed to pay XXXX points to receive the interest rate. In the attached you will also find my draft closing disclosure which I continued to agreed to pay the XXXX points. This rate lock agreement was set to expire on XX/XX/2020.
My closing date was originally scheduled for XX/XX/XXXX.
On XX/XX/XXXX, I was notified that the seller would need to delay the closing. Considering my rate lock agreement was set to expire on XX/XX/XXXX, I called my loan officer to inquire about an extension. He said I had the option to get an extension for the 12 basis point fee. I recall him explaining that the fee changes daily so I should consider requesting the extension. However, he led me to believe that the extension could be taken off my file if I did not need it - which is why I agreed to it a week in advance.
On XX/XX/XXXX, I was notified that the seller could close on XX/XX/XXXX. However, I still had not heard from the bank 's closing team so it was unclear to me if the Bank would be able to close on the XXXX given the CD waiting period ( and, relatedly, whether it would fall to me to require a rate lock extension if it was the Bank 's fault the closing was further delayed ).
On XX/XX/XXXX, I was notified by the bank 's closer that we were on schedule to close on the XXXX, so I called my loan officer to tell inform him to take the rate lock extension off my file as I no longer needed it. His tone completely changed from our conversation on the XXXX and said the extension could not be undone.
We further discussed the change and he said that I could take my business elsewhere if I was not happy with the service. Yes, the loan officer told me 48 business hours before my closing that I could take my business elsewhere. I requested to talk to the loan officer 's manager and the manager did not take off the extension.
The extra {$330.00} fee was charged in the form of points on my CD, even though I never agreed to that charge in subsequent rate lock agreements. You will see in the attached that the loan officer and I signed the most recent rate lock agreement without the fee earlier in the week. However, the final CD still stated the fee and the loan officer said via email on XX/XX/XXXX that it would NOT be credited back.
Now, this left me with two choices : 1. Pay the extra fee that I never agreed to.
2. Cancel the mortgage and throw away the purchase of my {$360000.00} home after months of time, energy, and money during the due diligence process.
I chose ( # 1 ) to go through with the mortgage because I couldn't afford not to.
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| 08/07/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Credit decision / Underwriting
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Web |
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I was pre-approved for a home loan by TD bank by XXXX XXXX their loan officer. I proceeded to look for a home with my realtor and when we finally found XXXX and our offer was accepted it was about XXXX dollars less than what the bank offered to us. During the process we were required to pay for the appraisal and inspection for the home. We also gave the bank our deposit. They gave us a conditional approval letter which I believed was unfair since it requested to pay for a cosigned student loans that were not mine. When they realized that and requested the documentation of that it was indeed a cosigned loan, i provided all documentation they asked for. I also did everything else they asked for like taking the home owner class and opening an account with TD bank. After verifying income and employment again and calling my job requesting the same paper work from them again, even pulling me out of meetings, I was told over the phone by XXXX XXXX and my realtor was also informed as well that " I have the house ''. There were multiple closing dates that were moved for XXXX reason or another but as we were guaranteed to move into closing I had given my current apartment notice that they required before I vacate my apartment.The closing was supposed to happen in 2 days and I hadto be out of my apartment in a week when I get a call from XXXX XXXX that I do n't have the loan because they do n't like the amount of hours I 'm working. To me this is crazy because the information about my work they had since day XXXX almost 3 months ago. To waist my time, money and energy and cause extreme emotional distresssince I was left homeless to scramble to find a place to live in a week. That call was the last time I heard from them with no real explanation and its been 2 weeks with no official letter or call. There is no justification is to mislead and discriminate against me claiming information you had from the beginning about my income which was obviously enough to get me the pre approval along with my credit and to even call and tell me that I have the loan as well as my realtor. To lie to me, give me false hope which i made decision based on and that concern my life and my family 's on is horrific! To be at the finish line and to pull the rug out from under me is a disgrace!. I believe that their decision was based on the fact that I am a Woman and a minority. There is no justification to excuse what TD bank has given. They should be refunding every expense that I had to make with regards to this messy situation, our deposit, the appraisal which we never got the report from them on, the inspections, the moving expenses and the realors fees etc. I am out of a place to live which I loved. TD bank needs to do whats right for what they did. Shame on them.
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| 04/30/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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I noticed that my transactions were being reordered in the past two months ( XXXX and XXXX XXXX , as well as I was being charged RIDICULOUS overdraft fees. Not only are these overdraft fees charging me {$35.00} dollars for a {$2.00} charge that keeps being debited from my account just so the bank can charge me XXXX dollars again, then XXXX dollars, then {$100.00} and {$170.00} dollars in overdraft fees. TD bank has reordered my transactions to make it look like I did not have funds in my account in order to maximize their ability to charge me overdraft fees. For example, on a day where I was in overdraft by {$4.00}, I made a direct deposit of {$300.00} to get out of the overdraft. However, on my TD banking portal, it reordered my transactions to seem as though I still had a negative balance when I used my card after the deposit cleared the negative balance, and I was charged XXXX dollars in overdraft fees MULTIPLE times. These overdraft fees are not warranted given that they were " posted '' to my account during circumstances I knew I had funds in my account because I had made a deposit that same day, and were being posted about transactions that did not actually occur on those days. Even on days that I had made a deposit and was in the positive, I was still charged unfairly. In XXXX alone, banks took in over {$32.00} XXXX dollars in overdraft fees. Additionally, TD bank has been sued in the past over such overdraft fees and reordering transactions, but it is very apparent that this behavior is continuing. This is truly outrageous that TD is purposely reordering transactions and charging all of these overdraft fees without my consent and without even notifying me of being overdraft to begin with. There was not even ONE time I received a notice via phone nor mail about being in overdraft. Through my online banking portal, I sent a message to TD bank detailing my issue in XXXX , and they took a week to get back to me even though they guarantee a response within 48 hours. I called TD bank today, XXXX XXXX , to dispute these charges. I opened my bank account i XXXX XXXX XXXX XXXX XXXX , where there are several TD bank branches, but I currently attend college in XXXX Washington state, where there are XXXX TD bank branches. Thus, I did not have the accessibility of a branch to go in and talk to a representative. When I did call TD bank, a customer representative told me that out of the total {$940.00} dollars in multiple overdraft fees due to THEIR reordering of transactions and the system 's error, they would only refund me XXXX dollars. I was not able to ever use the money from my direct deposits since they were being funneled to the bank as profits via their overdraft fees.
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| 08/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Servicemember |
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I am an XXXX service member who recently applied for a home loan. When I received my credit report from my loan officer, I noticed there was a collection account listed from a company called XXXX, XXXX. Reporting date was XX/XX/XXXX saying the original creditor was a company called XXXX with an account open date of XXXX have never done any business with a company called XXXX or XXXX, XXXX so this debt needs to be verified ASAP. I sent XXXX letters, via certified mail to the address listed for NV. XXXX letter was return to sender, and the other, I was never contacted back. XXXX days go by, I still have no information on this debt, however I realized that on my credit report the account number XXXX was the same listed for a XXXX XXXX XXXX account that was listed as charged off w/ a balance of XXXX.Rooms to go acct XXXX is an account of mine, HOWEVER this account IS being paid on and should NOT be listed as charged off. I have been paying on this account through a 3rd party agency called XXXX XXXX. I contacted XXXX XXXX XXXX to get more information, they were not able to provide me with any information or any type of documentation of my debt/account, its status and what they 've done with my account/ and or payments. I was never contacted about a charge off/ and or a hand-off to another company. I made contact with XXXX, XXXX who was very stern with me when I was just trying to get information and to come up with a solution. The clerk on the phone would not provide me with any information about the hand off from XXXX XXXX XXXX to shoppers to now XXXX. I told him that the information being reported was incorrect and that I am currently paying on the account through care XXXX, and have documentation to prove such. He said that even with that documentation it would n't suffice in updating my balance, saying that they have had the account for some time now and it shows no activity. I got off the phone with this clerk because he was rude and overwhelming. I submitted this same statement throught XXXX and received a response of " Please be advised that XXXX ( " XXXX '' ) is the owner of the subject XXXX/TD Bank NA XXXX XXXX XXXX Big Store credit card ( account number ending in XXXX ). Since acquiring the account in XX/XX/XXXX, XXXX has received seven ( 7 ) {$68.00} payments for a total of {$470.00}, with the last payment being made on or about XX/XX/XXXX. Since that time, no payments have been received by XXXX. XXXX respects our military members and, as a courtesy to the consumer, will agree to permanently close the account and cease all collection efforts. " However I am not satisfied with this response because {$1500.00} is still un accounted for. what they are reporting is not accurate and I have proof of XXXX cleared payments of XXXX
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| 10/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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On XX/XX/2023, I attempted to make a monthly payment for my car note of {$600.00}.
I noticed that the system was asking for me to pay {$1800.00}. I immediately called T. D. Auto Finance and asked why was the system prompting me to pay more.
A representative told me that it was my last car note and thats why they were asking for the amount. I asked the representative if I could break that amount into XXXX payments. She replied yes, and said she would notate the account.
The representative never told me that it would be considered a late payment and it would affect my credit. I assumed I was making arrangements in good faith with the company after XXXX years.
I never paid off a car loan before, so I had no knowledge of how it works. The representative told me it was okay to pay it off in XXXX payments.
A few weeks later, I checked my credit and disturbingly discovered my score dropped XXXX points. I never out of the XXXX years had a late payment with this company or no other company.
If the representative would have informed me what would happen or just explained that it will be a late payment. I wouldnt allowed my score to be destroyed after all these years. I had a perfect record paying history with them.
I worked too hard to maintain my credit score and now its destroyed. I cried out to other representatives with the company and to the managers.
Everyone gave me their empathy and sent it to a higher department that denied it. They say they listened to the recordings and they dont take the blame. I think this is very unfair.
A manager even told me that if I make the last payment beforehand, they will remove the late payment from my report. I made the last payment early. When I spoke with her again. She still gave me the bad news that they wasnt at fault.
Another representative I spoke with from the company told me that she always inform her customers about the guidelines/consequences if something like this takes place. The representative stated that she wasnt sure as to why the initial representative didnt inform me or warn me about what could happen.
Ive dealt with other companies in general in the past and they always make me aware of the risks. Im not sure why the particular representative failed me and also the company.
Im not sure why the initial representative I spoke with didnt inform me because now my credit score has dropped tremendously.
Im very sad, hurt and depressed. Im not sure what to do at this point. Its affecting my mental state at this point. I was excited to pay off this loan so I could buy a home. I know that will be very hard now since this company after XXXX years has failed me.
I had a perfect payment history with them.
Im torn.
Please help.
I would really appreciate it.
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| 10/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I applied and received an auto loan through Td Bank/Td Auto Finance LLC on XXXX XXXX 2019. The purchasing dealer was XXXX in XXXX florida. I maintained/maintain a perfect payment history, never late, and always fully insured. On XX/XX/XXXX, 5 days after accepting another on time payment, Td auto finance deciding to charge off account and report to my credit to all 3 bureaus. No correspondence by email or letters, no calls no nothing. I only found out because I monitor my credit so closely. So I immediately contacted the loan dept, and they cant answer any of my questions, they transfer to me to their collection dept, where they are completely rude and refuse to correct any of the info. They claim they sent out 1 letter in XXXX by XXXX, but cant supply the tracking number.Now they have sent a letter demanding me give them Authorization to contact the Social security administration, but they word the letter as if its my request.the letter goes as follows- " We're committed to keeping you informed and responding to your banking needs. Today, we're writing to send you a Social Security Administration Form. Please complete this form and return it to TD Auto Finance LLC ATTN : operational Fraud management XXXX XXXX XXXX. XXXX XXXX, MI XXXX. Please respond to this request within the next 10 business days, or we will close YOUR request ''. I Never requested anything. The Letter is coming from a XXXX XXXX from a completely different address which is XXXX XXXX XXXX XXXX XXXX, Florida XXXX. My credit is being negatively affected by an account that still is accepting payments on time, and had no legitimate reason to charge off an account in perfect standing. I was never notified of any issue, nor was i notified before the company reported to my credit as per the fair credit reporting act. The company is now reporting as a delinquent account. It hasn't been late or delinquent till this day. By Law i am not obligated to authorize anyone or any entity to access the SSA on my behalf. Even if i were too, the company has already charged off my account as a bad debt. XXXX even says " charge-off/Never LATE ''. XXXX XXXX at Td auto Finance refused to be recorded when I asked if i could. she disconnected the phone call. they would not speak to me any longer in fear that i would record the conversation. When i stated i will not record she said i do not believe you and hung up. After this conversation they then reported it as a delinquent account the very next day and then proceeded to send a fair credit reporting act letter stating that they must disclose that they will be reporting to my credit before doing so.I received this letter 17 days after they had already charged off account and reported to my credit. I Need Help.This can not be legal.
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| 02/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX TD Bank, XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX, XXXX XXXX : Loan number XXXX To whom it may concern : Last week I received a notice from TD Bank stating that my loan payments are past due. I have spoken by telephone with TD Bank representatives numerous times in the past year to dispute late-payment fees and repeated claims that I am behind on payments, and we have gone over my loan-payment history, which shows that the total amount I have paid since I took out the loan is sufficient to cover every month through the end of XXXX, and yet I am still being harassed by such claims and fees.
Upon reading the latest notice, I called TD Bank yet again, and was told this time that TD Bank has received no payments from me since XXXX XXXX. I acknowledge that I did not make a payment for XXXX - the reason being that I have been in full-time job-training classes since XXXX and currently have no income other than inadequate unemployment compensation - but according to my records TD Bank processed the payments I made for XXXX, XXXX, XXXX and XXXX XXXX.
In view of the fact that for the first 48 months of my loan I made payments in full or above and on time, even for eight months after losing my full-time job in XXXX XXXX, I believe I deserve some accommodation now that my only income is unemployment compensation that barely covers groceries and auto insurance premiums. I have asked that payments I made in excess of the monthly amount due between XXXX XXXX and XXXX XXXX, which add up to {$410.00} over the total due, be applied to XXXX XXXX, which is the fair way to count how much of my loan I have repaid to date, but my requests have been ignored. As of today i called and I was told that I have not pay XXXX/XXXX/XXXX. according to my record I made XXXX payment on XXXX and check number XXXX was cash on same day. every day I do call TD bank is always same story.
I have been told to go to XXXX at my local TD Bank branch in XXXX, New Jersey, sit with authorized person to review my account with me but was not success, so I would like someone who is authorized to meet with me in person and go over all of these issues. I also notice that the report that TD bank submitted to XXXX and XXXX are untruth. On XXXX/XXXX/XXXX, XXXX history report in outstanding balance of {$5300.00}. According to my record balance is {$4400.00}, without XXXX/XXXX/XXXX payment once I pay XXXX my balance will be {$4000.00}. Please update my account records.I sent this copy to TD bank they still want to claim what they want and I 'm paying my bills I do not know what they want. they keep on sending me all these letters. Please someone read what I wrote to them and explain what I 'm saying.
Sincerely, XXXX XXXX XXXX
|
| 12/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
There's two compliants I would like to submit in one.
The first compliant is that on XX/XX/2021, or XX/XX/2021, I purchased a ticket through XXXX to see a XXXX show in XXXX, XXXX XXXX XXXX XXXX XX/XX/2021. When I arrived to the theater at XXXXXXXX XXXX EST, two XXXX Employees, XXXX and XXXX, see images, said to me the show was cancelled. I asked them if I could go another day. They said, " No, there's no more shows for the rest of the season. See this calendar. That's it. '' I didn't believe the guys at all. I perceived they were mistreating me/discriminating against me due to someone else 's request.
So, I left the lobby, not the premise. Logged into XXXX wifi, and filed a FTC.gov compliant on XXXX. Reference # XXXX. Later I emailed my bank at XXXX. Then I notified XXXX discrimination department because I flew in to NY on XX/XX/2021, via XXXX, Flight XXXX, with advance " purchased '' tickets. And I was discriminated by the XXXX XXXX XXXX XXXX XXXX ) from even showing up. They cancelled the show via email and typed REFUNDED immediately on XXXX. By XXXX, my refund was in the bank ; but that's not the case here. Here, I have not received a call from XXXX or XXXX XXXX. Now, when I log into my XXXX account, the word Can't has been REMOVED. Also, someone has changed the date on my Extended Stay XXXX XXXX ledger transaction from XXXX to XXXX. Why?
It seems my TD Bank account, # XXXX, is getting tampered by someone and duplicated so that I don't see my refund. It's my account. It's a personal checking, and I don't appreciate someone trying to take over it.
Everything I have purchased is with my self earned income. So, I don't understand why out of the blue " someone '' wants my account with the refund of {$97.00}. Why do they want my account and refund? And why is XXXX delaying the refund? The pictures speaks for itself. I paid airfare, hotel, and a ticket, XXXX XXXX XXXX XXXX NOT to be DENIED at the entrance. AND I was DENIED the ability to watch the XXXX show. To make matters worse, these adults don't stop picking on me in the midnight hours. That's out of my control.
In conclusion, I am NOT the one initiating this REFUND. I am the one who was lied to at the entrance; Told XXXX would be refunding the money ; and that seems to be taking forever. Therefore, I'm submitting this compliant. I don't think they have any inclinations in ensuring I receive my refund. Nor have they type Refund anywhere. So, can you please have TD bank fix my account. It's mine, XXXX XXXX XXXX ; not XXXX 's, XXXX, or XXXX. Nor do I have to " share '' my ledger and activity with those people.
Again, please have the online account fixed.
Please close all duplicated accounts and ensure I receive my refund of {$97.00}.
Thank You XXXX XXXX XXXX
|
| 12/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
THIS IS NOT A DUPLICATE COMPLAINT. IT IS A FOLLOW UP WITH ADDITIONAL QUESTIONS.
IN MY PRIOR COMPLAINT XXXX, TD BANK SAID THERE WAS A SERIOUS DELINQUENCY WHICH LED THEM TO REDUCE THE CREDIT LIMIT FOR MY ACCOUNT ENDING IN XXXX. THERE IS CURRENTLY NO DELINQUENCY WITH ACCOUNT XXXX. I DEMAND TD SPECIFICALLY STATE WHICH DELINQUENCY IS BEING REFERRED TO. THERE IS NOT EVEN A BILLING ERROR DISPUTE FOR ACCOUNT XXXX AT THE MOMENT.
MY CURRENT CREDIT PROFILE LISTS VARIOUS DISPUTES WHICH ARE STILL IN PROGRESS, THERE IS ALSO A SECURITY FREEZE AND AN IDENTITY THEFT ALERT IN PLACE WHILE THESE ISSUES ARE BEING RESOLVED.
TD CLAIMS THEY ARE REQUIRED BY LAW TO REPORT TO THE CREDIT REPORTING AGENCY HOWEVER THAT IS FALSE.
ACCORDING TO THE LAW : 15 USC 1681a ( 2 ) ( B ) : ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; An exclusion means it should NOT be listed. A credit card is defined under the Truth in Lending Act or 15 USC 1602. In Definitions and rules of construction, the law clearly states : ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
ALSO ACCORDING 15 USC 1681b ( 2 ) - permissible purposes of consumer reports : ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
I repeat and reiterate that I NEVER gave TD or any other agency written permission to furnish information about this account on my consumer credit report.
In USC 1681a - Definitions ; rules of construction, specifically 15 USC 1681a ( 2 ) ( A ) ( i ), we see : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Clearly, exclusion means something that is not supposed to be included.
So, the law states that transactions or experiences between the consumer and the person making the report in this case TD are not supposed to be included in a consumer report, so TD is not obligated to report anything about account XXXX.
TD 's violations are excessive and lead way to civil liability against under 15 U.S. Code 1681n which is civil liability for willful noncompliance and 15 USC 1681o which allows for civil liability for negligent noncompliance.
|
| 06/30/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I have attached a detailed letter outlining the issues along with the appropriate paperwork.
But basically, XXXX XXXX XXXX had a promotion, XXXX months same as cash. Furniture delivered would n't fit, manager agreed to allow me to return it. I wanted to return right away so I would n't be billed, and to ensure I could find something else I liked. He asked me to hold it in my home until I picked something else out and they would pick it up when they delivered the new furniture. This all happened about XXXX weeks later. I immediately shrink wrapped the cloth sofa and ensured that no one would sit on it since it was being returned. The same day I finally received my furniture I was billed at the same time and I have been trying every since then to explain I should not have been billed for the original furniture that they agreed to have returned but who also told me to keep in my home.
Secondly, as I began to complain that I was billed incorrectly as I never took possession of a bed ; that the billing due date was not correct it was associated with the original furniture ; and that they had been charging me late fees based on the original due date ; I eventually had a collection agency calling me and finally they sent derogatory alerts to the credit bureaus stating I was XXXX days late each time.
I was told I had to file a dispute which I did in XX/XX/XXXX and this process has continued with no resolution.
I met with the store manager and he agreed that there was an error they still showed that I was responsible for a bed that I never took possession of. But he told me he could n't do anything about it.
I never received anything about how this loan process would work, penalties, etc., until finally after my visits back at the store, my disputes filed twice, the repeated phone calls to XXXX XXXX XXXX Corporate and finally a company called TD Retail Services which the actual loan was processed through ( which I was never told ) this TD Retail sent me paperwork on XXXX XXXX XXXX, 2015 outlining the details of the loan. Had I know the loan would not be with XXXX XXXX XXXX, I would have never taken the loan and/or furniture. They totally deceived me.
I felt they sent this on XXXX XXXX, 2015 to cover themselves.
I felt the entire process was deceiving by XXXX XXXX XXXX. I do n't trust XXXX XXXX XXXX nor this company and I really do n't want anything to do with any of them further.
I requested several times to speak with someone to address these concerns but all I kept getting was I need to go back to the store ... and the store needs to correct everything. The store kept telling me I need to go back to this TD Retail Credit Card company. Forget XXXX XXXX XXXX XXXX, they simply did not want to get involved at all.
|
| 08/24/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
TD Retail Card Services Headquarters Attention Head of Department I have been trying very hard to reach someone who will understand my situation with my referenced as several different names including Home Inspiration, TD Bank, Online Account Management, and Renovate. For those of us who appreciate and take advantage of these purchase programs and who have worked tirelessly to make payments on personal debt, this variable reference to this program causes so much confusion especially when not receiving statementsor at least I did not recognize that this was referred to all of these names.
I did have it noted on my personal calendar the promotion was coming to an end in XXXX of 2023. A personal tragedy made me panic when XXXX was coming to an end that I hadnt heard or seen a notice that this would be ending. I have participated in these programs many times as I would not be able to afford to purchase new furniture otherwise. In speaking with XXXX XXXX they were apologetic that I misunderstood the end date of the promotion as they knew that I had utilized this many times as their customer. XXXX felt strongly that TD Bank would see that I have been a repetitive customer and at a minimum come to some reasonable settlement based on the confusion with reference and not receiving a statement.
I can not tell you how upset this has made me which is why I can not feel okay that I am being charged with over {$1600.00} of interest because of a misunderstanding. All payments were being made timely/automatically, and I even had gone in several times and tried to make a payment because I wasnt seeing any communication and thought I had missed. It was a very confusing portal and ultimately it did indicate that it was a duplicate payment.
{$1600.00} could help me pay down plenty of other debt/bills, and if I have to see this go to a futile effort in having someone understand the reason behind my misunderstanding it would be devastating. My intentions were there and I understand that in many cases people might completely ignore and realize that they can not make payments. The minute that I called and found that I had missed this promotion ending I paid the balance of the original loan in full. I was certain that I was not at fault and immediately contacted the appropriate department and the person indicated that if I had reached at least in XXXX they would have been able to accommodate my situation. This is so upsetting because I was sure that the end date was in XXXX. I someone could listen to and understand my situation I can not believe that they wouldnt work with me. I work two jobs and this will set me back so far on my financial situation.
Please help me out and bring this to the attention of the head of this department.
|
| 05/18/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
I have a XXXX XXXX XXXX retail card issued by TD Bank. I was talked into taking advantage of the 6months no in terest a sofa i was interested. Purchased sofa XXXX / XXXX / XXXX . Continued to make monthly payments until paying off balance on the website XXXX / XXXX / XXXX . Seeing the website showed a zero balance, I assumed this balance was paid in full. I continued to receive emails of statements however i did n't think i had any reason to concern myself with the raymour account any longer. XXXX XXXX , i received an out of the ordinary letter in the mail telling me my account was past due and there was a {$260.00} balance that has been gaining interest and late fees since XXXX / XXXX / XXXX . I immediately called the TD Retail division that handles these types of accounts and asked for an explanation as to what had happened. After some investigation i was told my last XXXX bill was officially due on XXXX / XXXX / XXXX - I had paid the entire balance XXXX / XXXX / XXXX and there was changed aprox {$150.00} in accrued interest unbeknownst to me. The {$150.00} was n't charged to my account until the XXXX billing cycle. Having not being aware of this TD Bank XXXX car d was no longer on my radar of monthly bills. The CS representative also explained to me the y TD is not oblig ated call customers with outstanding balances. I however found this outrageously deceptive and asked to speak to her supervisor because now i was n't so worried about the outstanding balance, I have cultivated excellent credit rating and now feared any marks against my credit. Having to wait 3 days for supervisor to call, i was in a meeting when he called and had to call back. I called back rou ghly 30minutes later and asked to speak w/ him as i was returning his call back. The representative wouldnt put him on the call and she was playing the part of a proxy to mediate this outcome. She told me they would take off 3 of the late charges however it the marks against my credit will stay. I had no choice but to pay the remainder of the bill, and hopefully through you and dealing w/ the credit score comp anies, transunion and equafax hopefully i can straighten this out. My credit went from XXXX to below XXXX . In my opinion this is very deceptive business operations. XXXX XXXX emails me almost weekly snapshots of my balance, and or any new charges to my account. Why wouldnt a credit card company that would see an account is in past due, not call the customer and follow up? Why would they be shady by telling me they are not obligated to practice such business? XXXX / XXXX / XXXX promotion ended - i paid in 6days apparently late and now my credit is in shambles. This doesnt seem ethical. Please help me.
|
| 01/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
In XXXX I bought a subscription to XXXX, a trade magazine of the entertainment business, as a gift for my daughter. I used my TD Bank credit card to make the monthly payments. When she stopped showing an interest in the magazine, I attempted to stop the subscription by going online. I assumed I had closed the account, but over the next several months, I continued to see a charge on my TD statement for XXXX XXXX XXXX, with a telephone number. When I called the number I was informed that I no longer had a subscription to the magazine, then I was directed to a woman named XXXX XXXX XXXX XXXX, who asked that I send her documentation of the charges, which I did, and I never heard from her again. I then reached out to TD Bank Card Services, and was transferred to the XXXX Department, where a gentleman ( I don't have his name ) let me know that they would look into the matter. In XXXX of XXXX, I got a letter from TD informing me that I had waited too long to dispute the charges, and that there was nothing they could about the money XXXX XXXX XXXX had taken out of my account for a subscription I was no longer receiving. They referenced charges from XXXX to XXXX of XXXX, but made no mention of the charges that had been taken in XXXX, XXXX, XXXX ( when I complained ) and XXXX. I called again last week, and went through the process all over again. A woman named XXXX at the XXXX XXXX Department asked me to give her information about the charges, but she could see that XXXX XXXX XXXX was still charging me. She wanted to help me, but said it would take some time, and I informed her that I wanted to escalate the situation to her supervisor. She said her supervisor was not available, but would call me back " within XXXX business hours '' ( this was a XXXX, XX/XX/XXXX. ) I have yet to receive a call back. It is Wednesday, XX/XX/XXXX. I also informed her that XXXX solution might be to just cancel the credit card. XXXX said that would be a bad idea, because " XXXX still has all your information, and they can still bill you. '' (? ) I also went through the process with XXXX XXXX, who transferred me to a woman at XXXX, XXXX XXXX, who took my information and said she would get back to me. I'm still waiting. I have since noticed that on XX/XX/XXXX, my TD Bank Card statement contains XXXX refunds of {$59.00} that all landed in my account on the same day. I have no way to reconcile them against what I have been charged in the past, and XXXX 's XXXX Department made no reference to them in my calls, nor have they let me know in writing what the refunds are for. I'm still out about {$600.00} for a subscription I canceled months ago, and TD Bankhas done little to help me resolve this dispute. I intend to cancel the TD Card as soon as possible.
|
| 12/07/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
The following letter was sent to Office of Comptrollers on XX/XX/XXXX, XXXX They referred me to your office. I attached at the bottom the promotion sent to me XXXX XXXX XXXX XXXX, Pa XXXX Comptroller of the Currency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I read your mission on the web page, and your mission is the exact service that I need.
On XXXX I took a postcard I received in the mail for a bank promotion through XXXX XXXX to the XXXX, PA XXXX I showed the representative, XXXX XXXX, the postcard stating the incentive of {$200.00} for deposit of {$20000.00} in savings account for three months and {$300.00} for {$2500.00} direct deposit in 90 days, XXXX XXXX talked with the manager, XXXX, and said I qualified for the promotion. She put together the paperwork, and I signed the documents. The next day, I went over to the XXXX XXXX XXXX and veritfied with XXXX, the manager, the paperwork for the routing numbers for my unemployment checks.
On XX/XX/XXXX, I stopped by the XXXX branch and asked a representative named XXXX if the branch posted my promotional money. She told me to go home and look at the promotion I had. She told me I never opened a checking account. I called the national branch and talked to a XXXX. Nobody returned a call. On XX/XX/XXXX, I called the national number and was somehow connected to XXXX from New Jersey. She said XXXX from Exceptions Department would call me back. No call I called the manager, XXXX XXXX, and he did call me back. He was professional In his handling of my frustration ; however, his support of his representative did not allow him to see my side of the situation. I told the representative what I wanted, showed her the promotional card, and provided the bank with my routing numbers and a check. It was very clear that I wanted to take advantage of the promotion. XXXX XXXX said it was not clear I wanted a checking account.he did not even work at the bank at that time. He refused to give me the {$300.00}. Also, I found it more than a coincidence that the {$200.00} for the savings account was posted on XX/XX/XXXX, the day I questioned the bank.
I need an an agency that can supervise XXXX XXXX to ensure that they are operating in a safe and sound manner, make sure the bank complies with the laws and regulations, and treat customers in a fair way. I am wondering if the employees are told to only open the savings account saving the bank {$300.00}, but getting my direct deposit money. Also the coincidence of the promotion money being posted XX/XX/XXXX. I have enclosed a copy of the promotional card. If there is anything else that I can provide you in your investigation of this bank, and in particular, this XXXX, PA branch Sincerely, XXXX. XXXX XXXX
|
| 03/13/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/2018 @ XXXX, I made an ATM cash deposit into my TD Bank Checkings account in the amount of {$630.00}. At the end of my transaction a receipt was issused and it read " available '' balance {$630.00}. ( Please note the bank verifies each dollar deposited in the ATM and records it on my receipt ) Immediately I log into my bank mobile app to see the funds " available. '' From the same TD bank mobile app I transfer {$200.00} of the {$630.00} to my TD Credit Card to make a payment. At the end of that transaction, a confirmation number is given along with my new balance in my checking account, {$430.00}.
Well the bank ends up hitting me with an overdraft fee of {$35.00} claiming the {$200.00} were not available at the time the bank decided to do the transaction. So I called TD bank and according to the bank rep he stated that the Cash deposits at ATMs after XXXX are actually " pending '' and not available. And, that if I went online I would be able to see that. Well that is not what is on my receipt from the ATM and also my checking account moved funds around as if the funds were available immediately after the ATM cash deposit. So why the fees?! Please know this has happen more than twice already and I was able to prove the bank reps wrong and they refunded the overdraft fee. And for the record, Ive have always opted out of allowing any bank to let me charge something without the funds being available. I watch my account thoroughly and try my hardest not to pay these bank fees. I think its unfair the play of words the banks are knowingly using and because of it are actually stealing from their own customers.
What is " available '' is available and not " pending. '' No where in my TD banking app or during the payment to another account did it showed me any signs of the funds being unavailable but instead transferred " successfully. '' This needs to be addressed. If there is a law protecting this, it needs to be changed. Taking from people when there was no real reason by the customer to be hit with a fee is a criminal act and no law should protect it. How many hard-working Americans who don't read the fine print or don't have the time to look deep into these unjust fees are being robbed daily? And how much of this unjust money is being put into these bankers pockets needs to stop. Another unfair act is that my " courtesy '' was used up on behalf of TD Bank 's mistakes. If I ever make a mathematical error or irresponsibly swipe my card, than by all means I would like to use my one and only " courtesy '' on my own mistake and not the banks. I will sound the alarm!! I will be heard. Please someone from my bank, someone other than a local branch manger, get back to me in a timely fashion.
Thank You, XXXX. XXXX
|
| 06/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I've been a TD customer for 14 years in XXXX and about 10 years in the XXXX. On XX/XX/XXXX I asked TD Bank to close both of my accounts and move all my XXXX money to my XXXX accounts. They said that for some reason they were unable to do this in one phone call, did a wire with one account ( I don't have the confirmation number ), and had some issues and charged me a number of fees unfairly ( details in previous CFPB complaint ). After a CFPB compliant on XX/XX/XXXX, they immediately phoned me, refunded the fees, said that they would close the accounts, and I thought that my accounts were closed and that the money had been sent to XXXX. I was given the wire confirmation number XXXX during a phone call with XXXX from their customer service team on XX/XX/XXXX. I thought we were now in the clear.
However, in XXXX I got a notification from my XXXX account that I'd been charged a {$24.00} fee. It turned out that despite the wire confirmation from XX/XX/XXXX, my money had not actually been sent to my XXXX account and the account had not been closed. I contacted XXXX XXXX on TD 's customer service team on XX/XX/XXXX to inform him that I called the TD hotline and they said wait times were in excess of 20 minutes, and when I call the TD Cross-Border line and press 1 for english and then 3, it just rings a bunch of times and hangs up.
I didn't get a further response, and again contacted TD in XXXX when I got yet another {$24.00} fee for low account balance. I finally took the 30 minutes needed to wait on hold for their customer service team, only to be informed that I could be refunded neither of the fees I'd been incorrectly charged since XX/XX/XXXX when I'd been told all my money had been given back to me. I decided to at least get my money out of there, so wired it to XXXX and asked them to close the account. Wire confirmation XXXX.
After this call I emailed XXXX again ( I feel sorry for the guy but he's the only contact I have within TD, otherwise I have to wait for 30 minutes to even talk to someone ), and someone called me to tell me that I " could get one of the {$24.00} fees refunded, but to do that they'd have to refund me then I'd have to call back in, wait 30 minutes, and then have them wire the {$24.00} and close the account ''. I declined because I don't have 30 minutes to wait on the phone, to get half of the money that was taken from me, when I told them months ago to close my accounts and move my money out.
This is absolutely crazy. I should just be able to phone TD, tell them I want to close an account, and have them do it immediately with no fees charged and without wasting hours of my time on this. The fact that they're doing this in the middle of an economic crisis and pandemic is even crazier.
|
| 12/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Upon checking my credit I noticed that this collection had been added to my report! I have never heard of this debt collector. I have not been contacted or notified of any debt that has been listed with this company. They sent me no correspondence advising that they own the debt, who the creditor was nor advised of my option to dispute the debt. I called the company 8 times within the last 60 days. ( Calls were recorded )! To find out more information and to dispute the account. I was transferred amongst departments, no information was given. They attempted to fraudulently ask other questions not pertaining to the debt like if I'd moved in the last 12 months, what my previous phone numbers were, if I'd used any other name variations besides my actual name, if I've married or divorced any aliases I might have used and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted and harassed. The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. If the agency doesn't follow this process then they have no rights or grounds to collect or report the debt to any credit bureaus and must immediately remove the debt from the consumers credit report. The company didn't contact me within 30 days of assuming the debt and has therefore violated my rights so this needs to be removed from all 3 credit bureaus! I do NOT give the company permission to contact me via telephone, an employer, email or any other means except by US Mail. I have never done business with a company called TD BANK USA/TARGETCREDIT XXXX XXXX XXXX nor have I ever signed a contract with them so this debt is fraudulent and frivolous. It needs to be deleted effectively immediately with all major credit bureaus. No collection agency can report past due balances, dates of past due balances or payment history. This company has violated several FCRA regulations. Delete immediately or I will contact my attorney to proceed with legal action. This account does not belong to me! I have no idea who this company is. Delete any and all of my contact information effective immediately. DO NOT ATTEMPT TO EMAIL ME! DO NOT ATTEMPT TO CALL ME! DO NOT ATTEMPT TO CALL RELATIVES! DO NOT ATTEMPT TO REACH AN EMPLOYER! SEND ALL CORRESPONDENCE AND PROOF OF DELETION TO MY MAILING ADDRESS ONLY! DO NOT ATTEMPT TO CONTACT ME OR ANY OF MY FAMILY MEMBERS VIA TELEPHONE, EMAIL OR EMPLOYER!
|
| 08/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I HAVE ADDRESSED THIS COMPLAINT AND PRIOR TD BANK COMPLAINTS WITH XXXX XXXX 'S OFFICE TO ENSURE THIS IS HANDLED.
TD VISA ACCOUNT XXXX XXXX XXXX XXXX. OPENED XXXX AND CLOSED XXXX. YES 3 WEEKS. {$15000.00} CREDIT LINE. THIS ACCOUNT IS NOT IN RECOVERY, NOT BEHIND IN PAYMENTS. BALANCE TD IS CLAIMING. {$380.00}. OTHER HIDDEN INTEREST PAYMENTS ADDED TO MY STATEMENTS. INTEREST KEPT BEING ADDED AFTER NOT ACCEPTING THE PAYMENT FOR 6 WEEKS.
TD LINE OF CREDIT ACCOUNT XXXX OPENED XXXX AND THIS MUST BE CLOSED AS I HAVE NO ACCESS TO THE {$10000.00}. SHOWING OPEN ON MY CREDIT REPORT BUT NO ACCESS TO THE CREDIT LINE. BALANCE TD IS CLAIMING. {$810.00} TD VISA WAS PAID WITH A THIRD PARTY BANK CHECK OF {$1900.00} WAS MAILED ON XX/XX/XXXX BY XXXX XXXX XXXX. FOR SIX WEEKS I CALLED OVER AND OVER. I ALSO CALLED TWO BANK EMPLOYEES AT TWO DIFFERENT BRANCHES. I ALSO CALLED THE CURRENT XXXX XXXX MANAGER THAT OVERSEAS THE BRANCHES. I HAVE RECORDED CALLS, DATES. THAT BEHAVIOR WILL CLEARLY SHOW HOW POORLY THIS BANK IS RUN, THE SABOTAGE TO TRY AND RUIN MY VERY GOOD CREDIT. I HAVE EXTENSIVE CREDIT AND DO NOT HAVE ONE ISSUE WITH ALL CREDIT LINES WHICH ARE FAR MORE THAN THESE CREDIT LINES. THIS IS NO FAULT BUT THE SHEER SPITE WORK OF TD BANK. TD KEPT THE CHECK THAN DECIDED AFTER SIX WEEKS SINCE FIFTH THIRD BECAME INVOLVED THE CHECK WAS REJECTED ON XX/XX/XXXX. ELECTRONIC PAYMENT WAS COMPLETED FOR ANOTHER {$1900.00} ON XX/XX/XXXX FROM MY FIFTH THIRD CHECKING ACCOUNT AND DONE BY A THIRD PARTY WHO HAS BEEN INVOLVED AS A NON ACTING ATTORNEY TO TRY AND FUSE THE MATTER.
CONSUMER AFFAIRS HAS DISPUTED BOTH BALANCES WITH THE CREDIT BUREAU 'S. TD CONTINUOUSLY VIOLATES BANKING RULES. I HAVE ALSO REACHED OUT TO REP. XXXX XXXX 'S OFFICE. TD EXPLOITS, CREATES SET UP FOR FAILURE FOR THE CONSUMER TO GIVE UP AND PAY!
MY LOAN STATEMENTS WHEN I LOG IN DOES NOT PROVIDE A PROPER FINANCIAL STATEMENT WITH INTEREST PAID MONTHLY OR DAILY. I HAVE ASKED FOR THIS FOR FROM DAY ONE. HOW MUCH IS MY DAILY INTEREST, MY MONTHLY INTEREST. I WANTED THIS MONTHLY. I REQUESTED THESE STATEMENTS BE MAILED TO THE PO BOX THAT THE ATTORNEY SET UP. I NEVER RECEIVED ANY INFORMATION I ASKED FOR. I RECEIVED ONE LETTER WHICH SPEAK IN VOLUMES ON THE LOW LEVEL OF INTELLIGENCE AND INCOMPETENCE ON A CONTINUOUS BASIS. I HAVE PAID {$6000.00} A HEAD OF SCHEDULE ON XX/XX/XXXX. I WAS TOLD I AM NOT ALLOWED TO MAKE FUTURE PAYMENTS! THEY KEPT THE {$6000.00} AND STILL CHARGING INTEREST THAT IS NOT BEING APPLIED TO PRINCIPAL. THE LETTER STATED I WRITE ON MY COUPON BOOKLET " APPLY TO PRINCIPAL '' SURE, WHEN I MAKE AN ELECTRONIC PAYMENT I WILL BE SURE TO ADD MY COUPON! NOTE. TD BANK WILL NOT TAKE MY PAYMENTS IN AT ANY BRANCH AND ALSO BY POST. THIS IS VIA THIRD PERSON WITNESSING THIS. ALSO BY POST.
|
| 11/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
Older American |
|
On XX/XX/2023, I went to the local branch of TD Bank to close two accounts and withdraw a CD that had matured because of a long history of terrible customer support. The final event that prompted me to close my accounts and go elsewhere was as follows : On XX/XX/2023, I closed a safety deposit box, a day before the next term began. I asked the officer to make sure I would not be charged for another year, and he assured me that would not happen. He said he had already recorded the closing out of the safety deposit box. But on XX/XX/XXXX I was charged {$150.00} for the next year rental of the box I had already returned. It took 4 months and several emails to the branch manager, XXXX XXXX ( See attched ) and a visit to the branch to finally get the {$150.00} refunded. That is when I decided to close my accounts and move elsewhere.
On XX/XX/2023, I initially went to the teller. But then I was referred to a bank officer, a woman whose name I do not recall. She apparently had responsibility for investments. She tried really hard to retain me as a customer. But my mind was made up. She finally filled out the paperwork to close the accounts and went and got me the cashier checks for the two closing accounts and the matured CD.
In XXXX I received a statement from both accounts saying that the accounts had - {$9.00} and- {$9.00} negative balances respectively due to Maintenance Fee for the accounts I had closed! I ignored the statements and threw them out in the hope they would get themselves straightened out. Then in XXXX I received two more statements that added another - {$10.00} in Maintenance Fee to each account.
Then on XX/XX/2023, I received a letter ( see Attached ) saying the account was overdrawn and is being closed to further debits. It asked that I call XXXX to discuss your options. I called the number and explained the situation. The agent asked me to hang up so she could call in a code to verify my identity. I received the code and soon a callback from the agent. Before I could even give her the code, she explained and I quote : I understand that youve got the code but it tells me I cant go forward here with the code Ill have to refer you to the branch to get some assistance ( I have a captioning phone because I am XXXX XXXX so I am quoting ) I told her that I would do nothing. That it was their mistake and they had to fix it, not me. She then said, Im so sorry that you filled ( sic ) that way I wouldnt take that route I would visit the branch so this doesnt affect your credit in any way. To which I replied that if my credit gets affected in any way by their screwup, I would suit the bank in court.
Not only have they failed to close the account, now they are threatening my credit! Unbelievable!
|
| 03/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/XXXX I lost my smartphone. In it I had apps from my bank, my password, users, and the cellphone had no block code. Somebody found my smartphone and made a transfer from " My XXXX XXXX account '' to " XXXX XXXX '' for {$1000.00}. On XX/XX/XXXX I saw this fraudulent transaction and called the bank to stop it, because the transaction still had the pending status. For 3 times, the representative 's bank told me that I need to wait for this to be confirmed to start a claim. On XX/XX/XXXX I started my claim, after 5 days I received a letter where TD Bank request 45 days to investigation and my case may be resolved. The bank sent me a provisional credit until the investigations finished. Until XX/XX/XXXX I did not receive any notification from Td Bank, so I assumed that the case was resolved.
On XX/XX/XXXX I received a letter stating that the case was declined, and the bank was going to reverse my temporal credit by {$1000.00}. The debit happened on XX/XX/XXXX and from here my account was overdrawn, causing me to pay a total of {$280.00} for returns.
Since XX/XX/XXXX that I received the letter, I have called the bank 10 times XXXX minimum ) to claim the decision because it is illegal and it is out of time : The bank requested me 45 days and it expired by XX/XX/XXXX. Now, they said that it is 90 days. They move the date at their convenience. I checked the TD Bank website, and it never says 90 days.
TD Bank in the letter said that the reason for the first decline was because XXXX XXXX told them that the transaction was made from my cell phone. That's true!!. I reported it from the beginning.. I " Lost '' cell phone. They did not give me a valid reason.
Despite this, on XX/XX/XXXX I sent to TD Bank a police report ( because td bank requested it XXXX to solve the case. Additionally, I sent my phone bill, where everybody can verify that on XX/XX/XXXX I had to request a new cell phone due to the loss of the previous one.
As of XX/XX/XXXX when I received the letter, a second case was opened to review the final decision with all the documents that I attached, and today morning ( XX/XX/XXXX ), they tell me that the " XXXX card '' does not authorize the refunds ... I have business with a TD bank account, not with XXXX ... That is not my problem!
I don't know where the protection that TD Bank XXXX to your customers.I have given proof that I lost the cellphone.From the beginning, when the transaction was pending and the problem was little, I called the TD Bank, but the bank let this grow. Not only do I claim my {$1000.00}, but also the reimbursement of the fees caused by the debit of the {$1000.00} made on XX/XX/XXXX ( until today, {$280.00} XXXX.
I have tried 3 weeks to solve with TD Bank, I sent ev
|
| 07/16/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
When I opened an account with TD Bank in New York, I was automatically enrolled in an " overdraft protection '' loan account to cover my checking account. Unfortunately, I wasn't aware of the fee structure and how it changed over time, and it certainly was not clearly explained to me either. I was under the impression that I would be charged fees for using the service, and I didn't realize that the account had a fee of {$25.00} / year in addition to that. I did not know about this {$25.00} / year fee, and when I discussed with the bank, they claim that I have signed an agreement which has the fees. Had I known about this fee structure, I would never have signed up for this account. My account was accidentally overdrawn in XXXX, but I have not needed overdraft services since. Knowing what I know today, I would actually prefer to not use " overdraft protection '' at all, and instead just allow the bank to decline transactions if they exceed my account limits.
Over the last four years, I have received several letters from TD Bank about a balance I owed. It took several calls to TD Bank to understand the letters were about, because some other banking associates who helped on the phone did not know anything about the letter I had received. I kept ignoring these assuming it was some kind of bank error, especially since I had called and tried to clarify without a clear actionable response.
However, I decided to call again on XX/XX/XXXX when I received a letter from TD Bank in early XXXX ( letter is dated XX/XX/XXXX ). I finally spoke with someone who understood what the fees were and was able to transfer me to the loans department. I asked the agent to remove the fees so that I can close the " overdraft protection '' account. I was informed that the request to remove fees would take approximately 5 business days and that I should call back to see if the fees are removed and I can proceed with getting the removal of overdraft protection started. When I followed up on XX/XX/XXXX, I was informed that the bank is unwilling to remove these fees and will not allow me to close this account unless the {$100.00} worth of fees is paid. The worst part about all this is that TD Bank has made it exceptionally difficult to close the " overdraft protection '' account, so addressing the fees issue is only step 1 for me.
I would love to get some help with this matter, because from my perspective - this is akin to a ransom. Now that I understand what the fees are after accumulating them for four years, I realize that the " overdraft protection '' is more predatory for the consumer than protective. I am happy to provide additional information in followups since I realize this message may get published to a wide audience.
|
| 03/20/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
Servicemember |
|
So here is the story. In XX/XX/XXXX, not long before XXXX, I visited my favourite watch store, XXXX XXXX at XXXX XXXX and XXXX XXXX in New York. The sales person convinced me to put the XXXX watch I wanted on their store credit card, which is a TD bank card. The sales rep emphasized not having to pay interest for 24 months and misinformed me that if for some reason I can not pay off the full balance by the time the promotional period ends - which was XX/XX/XXXX - I will only have to pay interest on the remaining balance on the account, which is obviously not true. I thought I had about {$1500.00} balance left on the card and when I went online to make my payment, I saw that my balance was now almost {$3500.00}. I immediately called them up and they told me that the extra {$2000.00} was the added interest that accrued during the 24 months since I did not pay off my card by XX/XX/XXXX. I tried to make a deal with them and said I am willing to pay {$2000.00} at the time of the phone call and close the card and be done with it but they said no.
On Friday, XX/XX/XXXX at XXXX XXXX my wife called the phone number XXXX listed on the back of XXXX 's XXXX credit card. she was connected with a representative by the name of XXXX, to whom she explained the situation. She asked her to have the interest removed or reversed. The rep said she was not authorized to do so, so she asked her to connect her with her manager. After a little while, a male manager by the name of XXXX or XXXX came on the line and she explained the situation to him as well. He was very apologetic about the situation and he told her that she needed to put everything in writing and fax or mail the letter to the Department of Complaint. He advised her to make sure that she put down that I was given false information in regards to how the interest was being calculated. He also added that based on my payment history - I was never late with any of my payments and there were times when I doubled or tripled the amount I paid -only when I lost y job, I started to pay lesser amounts, but always paid at least the minimum due - the manager believed that based on my history and my current financial situation, the Department of Complaint should do something to ease the pain and reverse the charges. So my wife wrote a letter and faxed it to the Complaint Department on the same day, XX/XX/XXXX at XXXX XXXX. She was hopeful that it worked. However, yesterday, I received the letter declining our request.
I have attached the following documents for your reference : 1. First correspondence the Request Letter to remove interest faxed to the Department of Complaint on XX/XX/XXXX & confirmation pages of fax sent.
2. Denial Letter received yesterday in the mail.
|
| 06/25/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
An ATM claim was filed with my bank, TD Bank, for a charge in the amount of XXXX which occurred on or around XXXX XXXX from XXXX. I received an information packet from TD Bank today, XXXX XXXX, with information denying my claim, there is documents from XXXX showing information on the charge but did not prove the product/item was delivered. The product/item in question is XXXX tickets to XXXX XXXX in XXXX XXXX on XXXX XXXX, I live in XXXX and have not been to XXXX XXXX on or around this date. In fact, my last visit to XXXX was XXXX XXXX to the tenth of 2015. I explained to TD Bank rep taking claim that the product/item was not received and did not make the purchase, it appears someone used my card number to purchase tickets while person was in XXXX, the purchase was made over internet. I suspect their website might have been hacked and or person had my card number written down. The card was not lost or stolen and explained that this is the only unrecognized charge Ive seen so far, did not feel need to order a new card. It appears tickets were not used upon learning ID had to be shown to get into event, Ive checked into this and learned that they were not in fact used. This information was provided by rep ( s ) at Venue Driver as well as XXXX XXXX, the party owned by XXXX. Ive attempted to resolve matter directly, however, XXXX has a strict no refund policy and will not issue refunds, even if fraud occurred. They will even deny a charge is fraud so as to avoid having to issue refunds. Their rep ( s ) have referred me back to TD Bank. They have a complaint with the XXXX as well as XXXX Attorney General 's office, both unresolved. I called TD Bank today to further dispute charge, however, I was advised it is considered closed as merchant provided proof tickets were received, this proof is merely a confirmation showing tickets were sent to my email. However, no such email was received as I have a block preventing any email from unrecognized senders. Also, as mentioned previously, I was not in XXXX on or around time of purchase and no way I would purchase tickets to an event I could not go to. In closing, please advise TD Bank I need this item further disputed. Ive attached an email from XXXX with XXXX denying refund. TD Bank recently replied again denying further inquiry into dispute, did not provide any new information as they have nothing to show any email received by myself. The information they have shown thus far is merely an email was supposedly sent but not received with item or product. Again, I wish to reiterate I was not in XXXX to attend any such event and would not purchase tickets for something I can not go to. Please do not mark this as duplicate, there is additional information contained.
|
| 06/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/2022, ( Payor ) wrote a check number XXXX to ( Payee ) for the sum amount {$68000.00}. On XX/XX/2022, Payee made an ATM check deposit for said sum amount in question. The Payees bank TD Bank placed a 6-day business hold on the funds and subsequently the hold being lifted put a restriction on the Payees account for identification verification. On XX/XX/2022, both Payor and Payee entered TD BANK branch located on XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, Fl. XXXX, for the purpose of identification verification. Upon such verification TD Bank refuse to release the funds to the Payee and informed him that his account was being closed stating TD Bank no longer want relationship.
Currently, TD Bank has been in possession of the {$68000.00} in question for approximately 9 months and refuse to release the funds to ( Payee ) after identification verification was completed and without valid cause and refuse to have the funds return to ( Payor ) account upon Payees request. TD Bank has an obligation to return funds not subject to fraud back to where it originated.
However, Payor was directed by the Payees bank TD to reach out with XXXX XXXX XXXX and have the bank submit a claim requesting the funds to be returned to the Payors account. According to TD Banks Back Office, XXXX XXXX XXXX has not submitted any claims requesting the funds to be return back to the Payors account. XXXX XXXX Bank has an obligation to the Payor to make such request upon Payors request and has failed to do so.
Payor has made numerous calls to XXXX XXXX XXXX requesting that a claim be submitted to TD Bank to have the funds returned to his account. XXXX XXXX XXXX allegedly submitted a claim requesting the funds to be returned according to their BACK OFFICE but have not provided the Payor with any documentation as proof showing a stamp date and time as to when the claim was submitted. XXXX XXXX XXXX has continuously relied on its response dated XX/XX/2022, stating, In researching your inquiry, we determined the issue of possible fraud on your account needs to be resolved directly between you and PAYEE, to deny Payors request in submitting a claim to have funds withdrawn from his account returned, thus depriving him of his property ( monies ) that was in trusted in the hands of XXXX XXXX XXXX.
XXXX XXXX XXXX has willingly refused to submit any claims to TD Bank requesting the funds to be returned to Payors account and to provide any documentations demonstrating that such request was made. The monies are not subject to fraud nor there exist any evident that would state otherwise. Both Banks are violating the Payors and Payees rights in depriving them of the monies without any valid cause and are abusing their power in doing so.
|
| 04/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I had got notification that a td beyond checking account was opened in my name on XX/XX/. I never went in or asked anyone to open an account in my name. I was calling the given number to get this issue corrected. Only thing I got was automated voice. Today I decided to go to any Td bank to find out what was going on. First I went to the TD bank in XXXX XXXXXXXX. I ask the service guy about the account and that I did not open one up. I then showed my id and social and asked him could he give me a printout. When I received the printout it had an outdated address. He refered me to one of the managers, I talked to him for awhile. He told me where the account was opened up at. I was told the TD bank on XXXX XXXX in XXXX XXXX. I asked him should I go talk to them. Hw said yes, he gave me the address. I went to the XXXX XXXX branch location calm and collected. Since I walked through the door I was treated like I wasn't welcomed. The young lady ask me what I was there for, I told her I was there because it was fraudulent activity on a account with my name on it that I never physically open up. The young lady had I guess an attitude she said I would have to go to the police station and file a report, which I did. The officer gave me a card with a case number on it. He told me to tell the bank to call him, it would be handled. I drove back to the bank location and handed the young lady the card after waiting for 25 minutes while both bank teller was talking to a customer about football. Notice I am a minority, was or did I feel discrimination existed? Of course but that is besides the point. I asked the lady numerous times could I get a printout of transactions, she gave me the runaround with tons of excuses. I left got home and called the Branch Manager, which got even more awkward. He act like he didn't care. I told him I went to the station. I was trying to see who open these accounts and how could someone come in their branch with my identity, even though I did have my id, and social security card stolen a while back during an home invasion it's all documented and reported. How can someone open an account who does NOT!!! LOOK LIKE ME? I tried to reason with these people but they act like they are hiding something or getting high. I want to know exactly who open the account in my name and I would definitely like to pursue charges. They branch manager lied and said a family member opened up an account in my name. Why would he say that? Why they been didn't say anything. Also if that was the case which it isn't. Why would they let anyone open an account in person without me? Sounds suspicious. He was like the account closed, that's not good enough I want to know who is opening accounts in my name and why
|
| 01/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Even though I have never authorized the activation of or lost the TD Bank Visa XXXX card # XXXX XXXX XXXX XXXX, a fraudster was able to replicate this TD Bank Visa and made numerous fraudulent charges starting XX/XX/XXXX : Card Number Ending in XXXX XX/XX/XXXX ; Reference # XXXX XXXX XXXX XXXX, CA : {$17.00} XX/XX/XXXX ; Reference # XXXX ; XXXX : {$87.00} XX/XX/XXXX ; Reference # XXXX ; XXXX : {$86.00} XX/XX/XXXX ; Reference # XXXX ; XXXX : {$89.00} XX/XX/XXXX ; Reference # XXXX ; XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX ; Reference # XXXX XXXX XXXX XXXX XXXX : {$210.00} XX/XX/XXXX ; Reference # XXXX ; XXXX XXXX XXXX, XXXX, NY : {$200.00} XX/XX/XXXX ; Reference # XXXX ; XXXX XXXX XXXX, XXXX, NY : {$62.00} XX/XX/XXXX : Reference # XXXX ; XXXX : {$130.00} XX/XX/XXXX ; Reference # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY : {$1000.00} XX/XX/XXXX ; Reference # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY : {$3200.00} XX/XX/XXXX ; Reference # XXXX ; XXXX WA : {$240.00} XX/XX/XXXX : Reference # XXXX Payment received {$20.00} XXXX Card Number Ending in : XXXX XX/XX/XXXX ; Reference # XXXX ; Payment received $ XXXX XXXX : XX/XX/XXXX ; Reference # XXXX Cash Advance Fee {$54.00} XX/XX/XXXX ; Reference # XXXX ; Cash Advance Fee {$160.00} Interest charge-cash : {$11.00} These are the fraudulent charges, fees, and interests on the statement closing XX/XX/XXXX. There are additional Fraud charges, fees, and interests after this statement closing date, which I would have no knowledge of since the Fraudster changed my TD bank profiles such as fraudulent mailing address ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX ), fraudulent cell phone number ( XXXX ) XXXX, and fraudulent e-mail address ( XXXX ). Therefore, I have not been able to log into the my online account since XX/XX/XXXX.
Furthermore, on XX/XX/XXXX, I received a text from XXXX regarding a suspicious cash withdrawal activity at XXXX XXXX XXXX XXXX for {$3200.00}. I replied the text as Fraud. TD bank replied back as " Your card may be restricted. However, this fraudulent cash withdrawal of {$3200.00} at XXXX XXXX XXXX XXXX, XXXX, NY still went through on XX/XX/XXXX.
Even though all of these charges, fees, and interests are all from fraudulent activities and it would take up to 90 days to investigate, the TD bank Visa Fraud department would not issue any provisional credits while the fraud charges are under investigation and still insists that I am responsible to pay the minimum payment of {$200.00} due on XX/XX/XXXX in order to avoid my account to be reported as delinquent, which will affect my credit score. Please have all these fraudulent charges, fees, and interests resolved ASAP by XX/XX/XXXX the latest, so my account will not be reported as in delinquency.
|
| 08/13/2015 |
Yes |
|
- Credit card protection / Debt protection
|
|
Web |
|
|
Inconsistent communications Long telephone wait times Long or no responses to inquires Erroneous system documentation of caller issues Improper responses to inquiries Non-response to inquiries as promised by supervisors ( i.e. XXXX on XXXX/XXXX/15 ) Improper handling of request for assistance regarding forgotten account passcode Non communication of fraud alert placed on my account/not allowing me to address this concern via telephone due to forgotten/misplaced passcodeAccess to bank card services representatives has been restricted for over 30 days due to forgotten passcode. Card purchases have been denied and I have been unable to communicate via telephone to card services regarding any activities on my account because I can not provide the passcode.
On XXXX XXXX, 2015, I communicated to TD Card Services that I could not remember my passcode. During this conversation I was informed that unless I provided the passcode I could not speak to a representative about the account. Upon request I was transferred to a supervisor who provided the documentation required to request the removal of the passcode from my account. Fax to XXXX XXXX XXXX XXXX on XXXX XXXX, 2015, provided photo ID and two mailings with my address to confirm my identity as stated by supervisor XXXX s ) of TD Card Services. In follow-up to fax submission, I spoke with XXXX, around XXXX XXXX XXXX, who stated that she would follow up with me by calling on or before Wednesday, XXXX XXXX, 2015.
I did not receive a call from XXXX on XXXX XXXX, 2015, and when I contacted card services, today, I was informed by XXXX, floor supervisor that ( 1 ) systems reflects I called on XXXX/XXXX/15 and ( 2 ) proof of address was required because the system ( XXXX ) reflects that I had not received correspondences. In informed XXXX that ( 1 ) I had not contacted the card services/bank on XXXX/XXXX/15, and ( 2 ) proof of address was sent in a correspondence/fax on XXXX/XXXX/15. Additionally the matter is " forgotten passcode '' and the issue of not receiving correspondences from TD Bank is moot because one of the mailings to prove identity was from TD Bank, and not the reason for contacting the bank on XXXX/XXXX/15.
I have been unable to use my credit card for over two-weeks and there are charges appearing on my account, which I can view online, that are questionable but I am unable to speak with a representative about this concern because I forgot my passcode.
Card services appears to be inefficiently managed with representatives miscommunicating, either not understanding the reason for contact or mis-documenting the reason for contact in the systems. Correspondence sent via fax has not be addressed as of this date, over 48 hours after contact.
|
| 06/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I am refiling this dispute because after I filed it the first time, the credit card company denied my dispute for the exact same reason they initially denied it -- it was denied because the credit card company says that the chip and card were in my possession.
However, the fact that the chip and card were in my possession does not mean that fraud did not occur. So here is what happened : I was in the XXXX are of XXXX on XX/XX/2023. I got up at a private home, packed the rental car and drove to the airport. I made one stop to get gas, and that charge appears on my TD credit card statement and is legitimate. I then proceeded to the airport and did not use the card again in XXXX. When I got home and saw my transactions, I noticed that after the gas station charge there was another charge in the amount of {$310.00} US dollars for an alleged purchase at a restaurant called XXXX XXXX XXXX XXXX XXXX. I have never heard of that business, have never been to that business, and did not use my credit card at that business on XX/XX/2023. I searched that business name on line and the only thing that comes up is a business in XXXX XXXX that says it is temporarily closed. ( I was not anywhere near XXXX XXXX on XX/XX/XXXX. I have never been to XXXX XXXX. ) I suspect that when I was at the gas station, an unscrupulous attendant ran the card twice, once for my gas and then for a fraudulent transaction. On XX/XX/2023 I faxed TD Bank a dispute based on fraud with TD Bank and while they issued a new card number to me, they denied my fraud dispute the next business day because I was in possession of the card. Yes, I was in possession of the card -- I didn't lose it and it wasn't stolen. But just because you are in possession of a card doesn't mean that fraud can not occur. I question whether TD Bank even investigated the matter based on how quickly the dispute was denied. For example, did they try to contact the merchant in XXXX to see if they were a legitimate business? I doubt it. I do not think a proper investigation was conducted and am therefore filing this complaint. Just because the card was in my possession does not mean that fraud did not occur but the credit card company ( TD BANK ) keeps denying my dispute for that reason. Did they ever try to find out if this merchant that made the charge is legitimate because it isn't. In fact, I have tried to contact this merchant and THE MERCHANT DOES NOT EXIST! I am dissatisfied with TDs response to my dispute and would like TD to reopen the case and try to contact this merchant because if they do they will see that the merchant does not exist. THIS WAS FRAUD. The fact that the card was in my possession does not mean that the transaction was made by me. Thank you.
|
| 04/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
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I bought a new car from XXXX XXXX XXXX, XXXX, NY on XX/XX/XXXX. Financing for the loan on the vehicle was set up through TD Auto Finance. Payments were set at {$420.00} per month on the 10th of each month for a total of 75 payments that concluded on XX/XX/XXXX. I signed up for paperless billing and auto deduct from our bank account for payments. Contact was to be through my email account.
Payments were started on XX/XX/XXXX. Payments were continued until XX/XX/XXXX where 2 payments were made. No payment was taken on XX/XX/XXXX. The next payment was taken on XX/XX/XXXX. Then no payment was taken on XX/XX/XXXX. As of XX/XX/XXXX a late fee of {$21.00} was charged to my account as we were now in arrears by 1 payment. I was unaware that we were now in arrears. Moving forward from that date our payment was taken out on the XXXX of each month except on a Sunday where it was taken out on the 9th. However with our account in arrears by 1 payment, we were charged an amount of {$21.00} each month.
In early XX/XX/XXXX i logged onto my account, as the contract was concluding in XX/XX/XXXX, to find that whilst i had paid every payment except that payment on XX/XX/XXXX, i had been charged {$21.00} each month for the lack of that 1 payment. This had now accumulated to an amount of {$1300.00}. At no point in the 5 years and 2 months that my account had been in arrears had TD Auto finance contacted me to point out that i had an outstanding amount on my account and to ask how i was going to fix it either by email or regular mail. I have credit cards, have had personal loans and other financing options. If i have ever been behind the company has promptly contacted me to advise that an amount was outstanding and how i was to correct the imbalance.
After discussing the issue with my wife we paid the outstanding fines which had now grown to {$1300.00} and the outstanding payment of {$420.00} on XX/XX/XXXX.
I feel that TD Auto Finance intentionally did not contact me to allow the penalty to continue growing over the 5 years. If they had contacted me i would have paid of the outstanding amount. I fail to understand how it is ethical for a finance company to allow this to happen. If i did not make a credit card payment for 5 years i am sure i would have heard something much sooner.
Furthermore on XX/XX/XXXX we paid the final three payments of {$1200.00}, for XXXX, XXXX and XXXX of XXXX. On XX/XX/XXXX we received a paper statement with an outstanding balance of {$89.00}. When i called on XX/XX/XXXX i was not able to get any reason of why this amount was due, even though i had paid all 75 payments of {$420.00} and paid all of the {$1300.00} in penalties. After speaking with a supervisor this amount was waived.
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| 08/16/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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There have been times in which I had to overdraw my account just to get by for the week. I would note all my transactions ahead of time to make sure they had already been withdraw from my balance prior to overdrafting my account to avoid any unwanted fees. Regardless, I would be surprised by more fees than what I was expecting. I wanted to get to the bottom of this so I started to screenshot my mobile banking app with the menu bar down to show the date and time. It wasn't long before I realized I was being charged inaccurate fees and I could prove it. I went to a TD Bank branch and spoke with a manager and was able to show her the transactions that were already deducted from my balance and a positive balance still remained afterwards. She proceeded to return the unfavorable fees back to me and told me I was possibly charged due to the date and time the vendor closed their batch. Even that seemed like a excuse without much behind it due to the fact that overdraft fees are charged when the bank must cover the cost of a transaction which in this case the bank did not do that no matter when the batch was closed. The manager notified me that I was unable to get any future overdraft fees returned due to the fact that I was only eligible for one per year. That did not help in the long term aspect of the situation as this is continuous issue. I have enclosed screenshots to further show that I was charged 3 overdraft fees that should not be existent on my account. The screenshots from Monday will show all the transactions deducted from my available balance and a remaining balance of $ XXXX and all will show the same date and time. The screenshots from Thursday will show each of those transactions again but that I was now charged overdraft fees on those three transactions. Regardless, those funds were deducted from my account 3 days prior and even left my account with a remaining positive balance. I must state that two of the overdraft fees shown are indeed legitimate. I did overdraw my account Monday at approximately XXXX at an ATM to catch up from the past few weeks.The screen shots were taken moments before I went inside to use the ATM. However there are still a total of three excess overdraft fees that I can't find any possibility to be justifiable. I would like to bring attention to this matter and see if this can be resolved because a visit to the bank branch is no longer an option for me as I am immediately dismissed and they claim they can't help me and the fees are accurate. A call to customer service is also not an option because they are unable to see the proof with the screenshots over the phone and are also unable to see which items have been deducted from my account balance days prior.
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| 12/13/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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Web |
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This letter is to inform of the fraud that was committed on Friday, XX/XX/XXXX at approximately XXXX to XXXX PM. I received a call from TD Bank with the phone number XXXX, as I picked up the phone the woman who I thought was a representative asked if I was XXXX XXXX, & informed me that there have been some fraudulent charges on my debit card. She informed me that there was a charge of {$130.00} to XXXX, {$56.00} to a gas station, and various other charges that I did not recognize. At that time she thanked me for using TDs Voice recognition. She also asked me to verify my online banking username, which I gave her not knowing that my online banking would be locked. She informed me that the banking would be locked so that she can look into these fraudulent charges, she also asked me about charges that were actual at that time. Her demeanor and the way she articulated everything was exactly as other TD representatives lol have spoken to me in the past. After she said she was looking into these fraudulent charges she asked me if I authorized a pending transaction through XXXX of {$900.00} to which I said no. She sent me a text message ( that came through XXXX number XXXX ) with a verification passcode of six digits which I gave her at that time, after I gave her the verification number I was sent an email from XXXX ( please refer to screenshots ). When I received the email I said no I did not authorize this charge she then said that this charge would temporarily go through so that TD Bank can dispute it, she asked if I was OK with the charge going through so that the dispute can be processed to which I agreed as I was not aware of how the process of disputes go as far as XXXX, so I didnt know that at that time the money was taken out of my account, the whole time I was on the phone with her I did not have access to my online banking I also received an email saying that my username was being changed. Before getting off the phone I asked her for a case number which she gave me but of course it wasnt an actual case number, and when I was finally able to log into my online banking after resetting my password several times, I saw that the {$900.00} was taking out of my account. I called TD back to make sure that the case number was filed and the dispute was filed to which I was informed that the case number did not exist and that no one from TD had actually called me.
At that time I filed my first dispute, the next day I submitted proof of the emails and text messages that were sent to me while I was on the phone with the hacker/scammer TD representative.
My first dispute was denied and I submitted a second dispute with this letter as well as even more proof of the fraudulent phone call and scam.
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| 09/18/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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I received a letter of settlement. I called and asked if the settlement offer was still available. My husband was a XXXX XXXX XXXXXXXX US Vet, service related because of XXXX XXXXXXXX exposure. He was in XXXX for 39 days and then died. I had not replied to the settlement letter originally because I was spending all my time trying to save my husband in the XXXX or at the VA making sure benefits were filed properly. The person I spoke to said if I paid that settlement that day, then the debt would be settled. She wanted me bank info on the phone. I asked if I could do it online and she said yes. I went online and paid the full amount of the settlement. Then I received a legal summons- the process server was intimidating and threw - not handed - but threw the summons in my face. The summons made no mention of the settlement or the amount already paid. I immediately called the law firm. After being placed on hold again and again, I was told no payment was ever made, that I was not truthful and the only way to resolve this was to make the full payment - more than what was owed. I had a huge fight with this individual ( XXXX XXXX ) before he agreed that they had received a large portion. But then he proceeded to insist no settlement letter was ever sent to me and I never spoke to anyone at the firm. He again pressured me to pay, nothing would happen with the summons until they had the full amount. Finally, he agreed to honor the settlement. He should have been required to confirm this in writing. He said it would take 14-21 days. Because I had nothing in writing I began calling after 14 days. No one returned the calls. I finally reached a human being who said he was only interested in debt collection, NOT answering my questions. This seems to be their SOP to harass people to pay, without even confirming the amount or the circumstances. I then had to fight and fight again, first to confirm the debt was settled, then to confirm they had dismissed the summons. But I still have nothing in writing. They should be required to provide this same day by email if requested. Why should consumers have this threat hanging over them, and not know if this firm will behave legally, afterall, the first promise was not kept. There needs to be a higher standard that they are held to and in cases where they fail to meet business ethics, everything regarding the debt should be struck from the consumer credit report. Afterall, we can not keep this on their record for 7 years so they can get away with repeated bad acts. If corporations find out they have a bad record for 7 years it impacts their business. If you are willing to accept the concept for consumers, then apply the same when they do not act accordingly.
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| 03/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American, Servicemember |
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XXXX Issue I received a statement addendum, dated XX/XX/XXXX, again, this year, from Nordstrom informing me that they were reducing my credit limit by, this time, {$500.00}. ( Last year it was {$1000.00} ).
[ From the Nordstrom Statement ] Your current report reads : SERIOUS DELINQUENCY RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH NUMBER OF ACCOUNTS WITH DELINQUENCY TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED On Nordstroms statement I was invited to contact the agency directly.
When I called the number given for XXXX : XXXX, there was no live person to discuss their blunder. I was referred to NORDSTROM.
I called Nordstrom. The young man I talked with said they adhered to the information provided by XXXX, and referred me back to XXXX. He also checked my account and found no problem.
There seems to be no responsible humans at XXXX, only telephone robots available.
The reality, which they dont seem to care about is that : In early XXXX, I realized that just to live modestly on my income from Social Security, I was over using credit cards and running up balances I could not deal with.
I submitted most of my cards to XXXX XXXX XXXXXXXXwhich looked to be the most reputable organization in class. Since then, they have settled with XXXX XXXX, XXXX and XXXX XXXX.
They have yet to settle with XXXX and TARGET. I have no control over these balances. Understand that I have done everything in my power to be responsible.
I have 2 older cards that remain active : XXXX and Nordstrom. Please check with them and verify that I commonly pay over the amount due before. the cutoff deadline. I HAVE NOT BEEN DELINQUENT WITH ACCOUNTS FOR WHICH I AM RESPONSIBLE. And I am working to lower my balance. As you know, if one is not wealthy, interest rates are obscene.
The XXXX report doesnt have much relationship to reality. I think the robots are also XXXX.
I am working to clean up my financial relationships, and wish to re-establish a positive credit score.
RE : The report : 1. SERIOUS DELINQUENCY. -- XXXX None XXXX XXXX. RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH. -- -XX Questionable XX 3. NUMBER OF ACCOUNTS WITH DELINQUENCY. -- XXXX None XXXX 4. TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED. -- - XXXX None XXXX This report has caused a reduction in my credit line and maintaining a low credit score.
The XXXX report is irresponsible and causing me financial damage.
And finally, I stumbled upon your websitegiving me hope of restoring my credit and credibility. ( I have no idea what the other two agencies are reporting ) Please check my history and demand XXXX Adjust my report.
I need a copy to present to Nordstrom ( or perhaps you can correct.. )
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| 07/11/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
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I have new and updated information.
NORDSTROM invited me to write them when they have inaccurate information about me or what they've reported to a CRA, so I did. NORDSTROM acting as a creditor AND a debt collector at the same time isn't legal, not to mention unethical and they should know that. After reintroducing myself, I let them know our relationship didn't include them acting as a debt collector. I reminded them that I extended my open-end credit as the original creditor through a credit application, and they are the secondary creditor. The way they re-extend credit back to me is through my originating the transaction with my credit card ( Social Security Card ) to open and fully pay the account.
My consumer reports show the receipt for the transaction on XX/XX/2022, verifying that NORDSTROM used my credit card ( Social Security Card ) to get a loan from the Federal Reserve using my identifying information and application - although they are not me and did this without my knowledge or consent - and is actively threatening me to make payments to them that I do not owe. NORDSTROM has taken MY money but has no right to do so. NORDSTROM has already been paid in full and I do not owe any alleged debt. Therefore, I have not validated any alleged debt and refuse to pay it.
I want our credit relationship to be on the right track and told NORDSTROM what it takes for that to happen : stop communicating with me as a debt collector ; keep the account open, active and in good standing ; only report the account as paid in full and on time to the CRAs ; XXXX the balance out monthly because this is an open-end credit card that has already been paid in full when they used my credit card ( social security card ) and the card includes a finance charge which is the sum of ALL charges ; return all my monies that were illegally collected because of the false and misleading forms that were sent.
NORDSTROM retaliated against me for my dispute and CLOSED my account. They did this behind my back AGAIN. No notice was given to me. Now they are sending the inaccurate information to CRAs and ruining my reputation. NORDSTROM has taken advantage of me and continues to violate my rights as a consumer and natural person. Whatever the internal policies of NORDSTROM, they can not and do not usurp the Truth In Lending Act, which came to be to prevent fraudulent activities.
I want all my money back because I paid cash on this account for the time it has been active, which is illegal as the account is an open-end consumer credit plan and has a finance charge, which shall only be paid with credit. I want my account reopened with clean credit history as paid on time and in full on a monthly basis to all CRAs.
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| 11/19/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I am the victim of identity theft. My TD Bank ATM/Debit card was stolen and used for unauthorized transactions on XX/XX/XXXX. I did not authorize any debit or ATM transactions on this date, and I did not authorize anyone else to use my ATM/Debit card in any way. This was a new ATM/Debit card that never arrived to my address.
I wrote a letter as a follow up to my initial call to TD Bank Customer Service on XX/XX/XXXX, where I reported the card as stolen and disputed the unauthorized transactions over the phone within 48 hours of those transactions.
I also placed follow up calls to TD Bank Customer Service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to check on the investigation and inquire about the provisional credit, which pursuant to the Electronic Fund Transfer Act should have been credited to my account within 10 business days of my oral notice on XX/XX/XXXX, and is still yet to be credited.
Pursuant to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. I requested that they investigate any unauthorized transactions involving this card, including but not limited to the following : XX/XX/XXXX DEBIT CARD XXXX DDA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY - {$10.00} XX/XX/XXXX ATM DDA WITHDRAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY - {$640.00} XX/XX/XXXX POS DDA PURCHASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY - {$500.00} XX/XX/XXXX POS DDA PURCHASE XXXX XXXX XXXX STORE XXXX XXXX XXXX XXXX NY - {$500.00} XX/XX/XXXX ATM DDA WITHDRAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX {$750.00} TD Bank is in violation of the Electronic Fund Transfer Act which requires the provisional credit post to my account within 10 business days of my dispute.
TD Bank requested that I file a police report, I did so on XX/XX/XXXX and also filed an Identity Theft report with the FTC. TD Bank is denying my dispute based on the debit card being activated by someone with the last 4 digits of my social security number. However, I never received the debit card, I never authorized anyone to use the debit card, I never activated the debit card. I followed all of TD Bank 's guidelines and suggestions for reporting the unauthorized use of my account, and also followed all FTC, EFTA, and police guidelines for reporting the fraudulent use of my account and identity theft.
Pursuant to the EFTA, I am appealing for TD Bank to restore funds totaling {$2400.00} that have been withdrawn from my account, to notify me in writing of the results of their investigation, and to please send me written confirmation that the funds have been restored.
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| 09/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Older American |
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I contacted TD Bank in XX/XX/2021 regarding a home equity loan on my co-op located in XXXX, NJ. I was assigned to XXXX XXXX, XXXX, Mortgage Loan Officer, NMLS # XXXX. After numerous phone conversations, Ms. XXXX assured me that she can process the home equity loan and that TD Bank provides financing for home equity loans in the XXXX of NJ. After those confirmations and assurances ( conversations which were recorded ), I and my co-applicant agreed for Ms. XXXX to run our credit histories and proceed with the application. After the loan went to underwriting, I was informed that TD in fact does NOT do home equity loans in the State of NJ. I left Ms. XXXX two voicemails to get an explanation, which she did not return.
Upon this non-response, I requested to speak to a supervisor. After a few more follow-ups, on or around XX/XX/2021 ( about 3 months after my initial application ), a supervisor named XXXX XXXX finally called me back. He nonchalantly told me that TD Bank does not finance home equity loans in the State of NJ, only in NY and offered no further explanation. I requested that the inquiries be removed from mine and co-applicant credit reports because those were agreed to based on misrepresentations made by Ms. XXXX and he said he will make the request. I followed up on XX/XX/2021 on the status. The supervisor refused to speak to me and I was informed by XXXX XXXX XXXX, Loan Processor, NMLS ID # XXXX that my manager said he escalated to the appropriate parties for further research, as discussed in your last conversation with him. And as soon as there is an update someone else from that department will reach out to you. As of today, XX/XX/2021, I am still waiting on a status update and more importantly on a resolution.
Ms. XXXX was negligent and misrepresented, lied, and took advantage of an elderly applicant ( I am XXXX XXXX XXXX ). As such, she should be immediately stripped of her license and she should not be allowed to take advantage of consumers, especially elderly ones. Because of her actions, my credit report was damaged, I am facing high interest rates with new creditors, and I have lost 3 months of time that I can not get back.
On the other hand, the supervisor XXXX XXXX was rude and refused to talk to me and provide status update and a resolution to my case. He should not be in the supervisory position and should be providing me with an apology for the way he spoke to and treated me. He should be enrolled in an extensive training program.
I demand that the credit inquiries be removed from mine and my co-applicants credit reports due to negligence and misrepresentation and that Ms. XXXX and Mr. XXXX face consequences for their actions to protect consumers like me.
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| 08/09/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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I opened TD Premier checking account by clicking on the button of the attached picture bonus_promo.jpg on XX/XX/XXXX. It promised me {$300.00} bonus if I follow reasonably simple rules listed on the same picture I followed them and by XX/XX/XXXX had $ 2500+ in direct deposits, see " ACH DEPOSIT, XXXX XXXX XXXX XXXX '' marked transactions in XX/XX/XXXX and XX/XX/XXXX statements. Since the promo did n't say when bonus will be paid out and it was n't showing up on my account I submitted online inquiry. Since response was n't of any substance to my particular case I tried again, with the same result ( see attached XXXX and XXXX Since online inquiries werent going anywhere, I started calling TD customer service at XXXX. On XX/XX/XXXX I spoke to XXXX, who did math together with me, agreed that all conditions of the promotion were satisfied, confirmed that having credit card account with TD prior to opening bank account did not disqualify from this promotion and told me that bonus should be paid by XX/XX/XXXX On XX/XX/XXXX I spoke to XXXX, who confirmed everything that XXXX confirmed and promised that I will have a response within a week. On XX/XX/XXXX I spoke to XXXX, who also agreed that I satisfied all the conditions of the promotion yet pointed me at the bonus promo FAQ page ( see Bonus_promo_FAQ.jpg ) and said that bonus will be paid by XX/XX/XXXX according to it ( 95 days after {$2500.00} in direct deposits ) On XX/XX/XXXX I went to my local branch at XXXX XXXX XXXX XXXX, XXXX XXXX , NJ XXXX and spoke to XXXX XXXX ( XXXX XXXXXXXXXXXX ) - who also agreed that all conditions were met and he send an email to XXXXXXXXXXXX, who would supposedly fix it After not receiving any response from XXXXXXXXXXXX in about a week I called customer service again on XX/XX/XXXX and spoke to XXXX. XXXX also agreed that all conditions of the promotion were met. He clarified that there were 2 different promotions, one {$2500.00} in direct deposits within 90 days and bonus payout after 125 days of account opening - the one that I was using, and the other one ( {$2500.00} in direct deposits within 60 days and bonus payout after 95 days after deposits completion - the one described in bonus_promo_FAQ.jpg ) And in my case bonus should have been paid by XX/XX/XXXX and in any case I satisfied conditions of either promotion. He sent email to some promo department and said that they should fix the problem within a week or so It is XX/XX/XXXX now, bonus still have n't been paid. All customer service representatives I spoke to were very courteous and professional. Unfortunately, after 2 online inquiries, 4 calls and 1 in person visit I still was n't able to get promised bonus, so I do n't think they are able to help.
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| 02/11/2021 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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On Monday XXXX, I, XXXX XXXX XXXX, went to TD Bank on XXXX XXXX XXXX XXXX XXXX Florida XXXX where I have a checking account. I have had that checking account about 10 years. My son XXXX XXXX was with me and we had just picked up a check for {$16000.00} dollars. This check was from the largest law firm in XXXX Florida, XXXX and XXXX. My son and I wanted to open a savings account. We spoke to XXXX XXXX, Finical Services Representative. My first question to Ms. XXXX was .... will there be a hold on this check? MsXXXX XXXX answered that it would only be 24 hours and all funds will be available on Wednesday XXXX. I asked Ms. XXXX if she was sure and explained that i could go a half mile down the street to XXXX XXXX and cash the check, return and open a savings account where I have had a checking account for around 10 years. Ms. XXXX XXXX said she was 1000 percent sure.
So based on that ... My son and I opened a Savings Account.
On Wednesday XXXX I checked my online account and there was a hold until Tuesday XXXX. I spoke with the TD Bank XXXX Customer Service on the phone. I was escalated to a supervisor who instructed me to contact my local TD Bank Branch which I had deposited the check at, as they are the ones who placed the hold on my check. The supervisor told me the local branch manager is at discretion to release the hold. They instructed me to call the Branch. I did and spoke with XXXX the assistant Branch Manager and she said that MsXXXX XXXX XXXX was wrong and that she thinks she said that Under Pressure to open accounts and will look into that wrong and that is ... NOT ... TD policy to open up accounts under fraudulent actions. Meanwhile they will not release the funds, although the District Manager named XXXX XXXX who I spoke two on two different phone calls, said he would straighten this out and get the funds available on Thursday XXXX. This has Not happened and I have called him two times today to ask about my money and he has NOT returned any calls. I called the Manager who is in rehab or on vacation and he has Not returned my calls. Furthermore today, I called the branch and the Assistant Branch Manager is NOT in today. It is becoming VERY obvious that TD Bank is using Fraudulent methods to get customers to open accounts. I explained to the District Manager, Mr. XXXX XXXX, the whole situation and he agreed that TD Bank was NOT living up to Honest, Transparent, and Customer expected service. As a senior on a fixed income with XXXX sons to support, TD Bank deceptive practice has hurt me and I ask for a FULL Civil Investigation of this matter. I ask that a CRIMINAL referral to the DOJ happen as well.
How many OTHERS have been HURT by the deceptive practices of TD Bank?
|
| 10/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I closed my account with XXXX XXXX XXXX XXXX on XX/XX/XXXX with the account being current and entered into a debt managment program. This credit card was included and accepted into the program. I have made all my payments to the debt management company and they have made all payments to my 6 debtors on time each month. I received an alert by XXXX XXXX that I had a delinquency reported on my credit reports. I immediately investigated and found it was with XXXX XXXX XXXXXXXX XXXX and immediately called them to rectify the situation. They were NOT helpful. Told me they received the payment on XX/XX/XXXX vs the due date of XX/XX/XXXX. I said that is only 1 day late ; why did you report me as 30 days late and was told " Late is late. '' They were unwilling to assist me. I tried to dispute through XXXX ; but did not have paperwork from my debt management plan and assumed XXXX XXXX XXXX XXXX would do what was right. XXXX sided with XXXX XXXX XXXXXXXX XXXX, I am assuming because I did not provide documentation. This was my first time ever having to dispute something on my credit so I was ill-prepared. The late payment is affecting my ability to secure a Home Equity Loan, so I contacted my debt managment company ( XXXX ) XXXX XXXX XXXX and explained the situation. They provided me documentation specific to my account with XXXX XXXX XXXX XXXX that showed the dates the payments were electronically paid. Armed with this information, I reached out to XXXX XXXX XXXXXXXX XXXX again. I was met with the most aggressive individual who told me they had not received 3 months of payments ( XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX ). That I was " lucky '' they only gave me 1 hit for being late 30 days. I asked if I could send the documentation from XXXX and was told " You could have just doctored that ... we won't make a change to your credit report. '' and then she hung up on me. I called XXXX and spoke with XXXX XXXX who said let 's call them together. She spoke first, while I remained quiet just listening on the line. She said she wanted to confirm that payments for a XXXX client were received and credited to the account. XXXX ( account representative at XXXX XXXX XXXXXXXX ) confirmed that from XX/XX/XXXX to XX/XX/XXXX there were no missed payments. When she brought me on so I could ask about the 30 day delinquency reported to the credit bureaus he put us on hold and we waited for 30 minutes but he never returned. I called back alone and asked for XXXX, but they could not connect me with him. This 1 delinquency on my credit report by XXXX XXXX XXXXXXXX XXXX has affected my credit score by ~100 points and is prohibiting my ability to obtain a Home Equity Loan because it is such a recent delinquency.
|
| 11/03/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
|
|
Web |
Servicemember |
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I am a TD Bank costumer and I recently had my account sabotaged by Cyber hacking if you want to call it that. I experienced someone using my banking information and identity to attempt three transactions in efforts to get sums of money from my account. When I discovered this called XXXX XXXX the source that notified me via email for verification. Spoke to XXXX operator # XXXX, who informed me of the attempt and what I needed to do .My TD bank on the other hand, approved the transaction for XXXX their third attempt but declined payment for the first two. However I do business on the Applications for XXXX XXXX and also for TD Bank. Who is responsible for my breach of personal information. I authenticate myself with my fingerprint, felt I was safe. I called TD bank immediately. I spoke to XXXX at around XXXX XX/XX/XXXX17, inquired about transactions. To my surprise my card was still open. TD bank did n't feel there was a threat and I was at risk this whole time after the incident until I called in to the bank and advised I did n't make those transactions. I requested to speak to a Supervisor and was put on hold for extended long periods of time. Calling again and again for the remainder of that day Monday into Tuesday. I called again the next morning requested to speak to some in the fraud department. Spoke to a woman who told me the best thing I could do is get a new card. Question " what about the information someone has out there of me, whose helping to stop these crimes against us. I was then told to get a Lawyer. I then went to the bank to get a new card hoping to get some answers I was then told the computer system did n't pick it up as Fraud because I use XXXX XXXX But no one verified my memo on my account, and my card was still open. It seems I could n't be too careful making calls to notify my Bank the amounts sending monthly XXXX to mother to pay Health insurance. I feel not taken seriously as a honest consumer and tax payer. TD Bank did not protect me I was unable to talk to a live person on Sunday XX/XX/XXXX/17 after XXXX. I want other people to know th applications are not safe. these phishing people go through them even XXXX XXXX accounts. I have done research on my own and I cant believe no one shared the heightened XXXX XXXX XXXX of XXXX 2017 over 676,000 reports in New Jersey alone. And I 'm treated like noting happened because I 'm not out of the money. The police even told me we do n't usually do anything. But XXXX XXXX gave me a number for the police to call to get further information from their fraud division and the officer refused to take, dais " we do n't do that they usually call us '' I need help and to know what to do moving forward.
Sincerely XXXX XXXX
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| 03/26/2019 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/19 around XXXX I went to the TD Bank drive-up ATM at XXXX XXXX XXXX XXXX , XXXX and used my XXXX XXXX debit card to make a cash deposit of {$1100.00}. The ATM encountered some type of error and produced a " Forced Deposit Record '' and the funds were not deposited into my account. I entered the TD Bank branch immediately following the transaction and spoke to a female teller who told me that I would have to contact XXXX XXXX about the missing funds. On the same day, I visited the XXXX XXXX branch at XXXX XXXX XXXX XXXX, XXXX and initiated the ATM claim process. I was issued a temporary credit in the amount of {$1100.00} for the claim on XX/XX/19. The temporary credit was reversed by XXXX XXXX on XX/XX/19 when they could not find a record of the XX/XX/19 transaction in their system ( XXXX # XXXX ). I was told to contact TD Bank to complete my claim. On XX/XX/19 I visited the TD Bank branch in XXXX, XXXX and spoke to the branch manager, XXXX XXXX. I told XXXX my situation and I also told him that I had misplaced the receipt from the original transaction. XXXX checked his records from XX/XX/19 and XX/XX/19 and told me that the ledger was balanced and there was no record of any missing money. He told me he was going to contact ATM services with my information and give me an answer by XX/XX/19. On XX/XX/19 I re-visited the TD Bank branch after I had not heard from XXXX. XXXX told me that he had no new information and that there was nothing that he could do for me without a receipt because he had no proof that I made a transaction. I asked XXXX if he would be able to gain access to the security footage to verify that I had visited the branch on XX/XX/19 around XXXX, and he said that would not be possible unless there was an investigation of fraud. XXXX insisted that my issue did not involve him and was not a TD Bank issue. I emailed XXXX after our meeting on XX/XX/19 and asked him to keep me updated, and received no reply. I visited the XXXX Police Department on XX/XX/19 and spoke with Officer XXXX XXXX who helped me record my events in a police report. I emailed XXXX for a second time on XX/XX/19 and once again asked for an update on my situation, and did not receive a reply. I submitted a complaint to the Massachusetts Attorney General 's office on XX/XX/19. I called TD Bank customer service on XX/XX/19 and spoke with an agent named XXXX. XXXX contacted the branch on my behalf and spoke with XXXX XXXX, XXXX once again showed no interest in helping me resolve my situation and XXXX suggested that I take further legal action. I received a reply letter from XXXX XXXX XXXX XXXX dated XX/XX/19 ( Complaint # XXXX ). On XX/XX/19 XXXX suggested I file a complaint with the CFPB.
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| 03/14/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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I have had this card for 7 years. Not once have I ever had issues paying the card before it was reported to collections or considered 'late. ' I've been traveling out of the country for two months and during this time, I was robbed, which locked me out of some of my accounts that XXXX passwords ( since I had to change passwords to protect myself ). Though, this shouldn't have been a big deal since I knew the answers to my backup questions. I was robbed on XX/XX/XXXX.
Every time I leave the country, I can not log into my XXXX account. I am blocked and it requires me to answers a security question, yet the security question is always flagged as incorrect and locks down the account.
On this past occasion, I tried MULTIPLE times to log into the account, and every time failed. At this point, the account was becoming past due because of my failed attempts to access my account. I tried contacting customer service ( and you can check their call logs for this ), and was unsuccessful to log in.
I then tried to make a phone payment since I couldn't log in, and after I did, I realized that the payment was never taken out of my bank account. The payment was originally made on XX/XX/XXXX when I received access back to my passwords/had a phone/etc. So I called customer support, who first FINALLY helped me get into my account, only to discover that the last 2 digits of the bank account was switched and the payment was taken from the wrong account. Since I was logged in, I paid directly right away. I made this payment again on XX/XX/XXXX.
What I CAN NOT understand is how I was NOT notified until the payment was returned and why these numbers were not checked when the payment was made.
When I contacted XXXX on MULTIPLE occasions after this, stating that I had notice the payment wasn't taken and asked what I needed to do, as I had never paid on the phone, and asked for then the report to be removed from my score, as it greatly impacted my score, they refused to help and blamed me for being out of the country and not trying to mail my payment. I'm not sure when it's safe to mail a payment, but this shouldn't have even had to be an option if I could have accessed the account. I was also blamed for typing in the numbers wrong ( which was absolutely not my intention ) and then blamed for not speaking to a real human instead when that option wasn't even given.
This has absolutely been the worst service I have experienced and I can not understand how it isn't possible to remove the late payment due to the issues. I also do not understand why an accidental typing of incorrect numbers is my fault if a payment is made over the phone, as I would assume this information would be verified first.
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| 08/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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To Whom It May Concern, I am writing to file a formal complaint regarding a recent issue I experienced with TD Auto Finance in relation to an auto loan extension. I believe that the company 's actions have caused undue stress and financial inconvenience, and I request your assistance in resolving this matter promptly.
On XX/XX/2023, I utilized the TD Auto Finance website to request an extension payment for my auto loan. The website allowed me to process a {$50.00} payment and even calculated additional interest on my loan balance. I assumed that my request for an extension had been approved and processed accordingly. However, to my surprise, approximately two weeks later, I received a notification stating that I had a missing payment on my auto loan.
Immediately upon receiving the notification, I contacted TD Auto Finance 's customer service to inquire about the discrepancy. To my astonishment, the representative informed me that despite the website granting me an extension and processing the payment, I did not actually qualify for the extension. I was further told that the website should not have allowed me to request an extension in the first place due to my ineligibility.
This situation has left me in a state of confusion and financial distress. I acted in good faith by using the TD Auto Finance website to request an extension, and I assumed that my request had been approved based on the payment processing and the additional interest charges. However, it appears that the website 's functionality and the information provided were misleading, leading me to believe that I had met the necessary criteria for an extension.
I am writing to you today to seek your assistance in resolving this matter. I firmly believe that TD Auto Finance should honor its original commitment, regardless of any errors on its part. The company 's failure to properly communicate its eligibility requirements and the subsequent contradictory actions on the website have caused me significant inconvenience and financial strain.
I kindly request that the Consumer Financial Protection Bureau intervene in this matter and work with TD Auto Finance to rectify the situation. Specifically, I ask that TD Auto Finance be required to honor the extension that was erroneously granted to me through their website. This would provide a fair and equitable resolution to the matter, alleviating the undue financial burden that their actions have caused.
Thank you for your attention to this matter. I appreciate your dedication to protecting consumer rights and ensuring fair practices in the financial industry. I look forward to your prompt response and a positive resolution to this issue.
Sincerely, XXXX XXXX
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| 01/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/XXXX I purchased a new XXXX XXXX XXXX XXXX Directly from XXXX, financed through TD Bank. In addition to financing, there was a recurring monthly cost of {$13.00} for XXXX XXXX ( Phone Insurance ) Fast forward to XX/XX/XXXX, I use my XXXX XXXX XXXX as a trade in for the New XXXX XXXX XXXX. This time, I financed it on my credit card. I sent the trade in device by end of XXXX.
In XXXX, I started noticing charges for XXXX XXXX on both my Credit Card and TD. Giving benefit of the doubt that there was some lag for the system to catch up that I no longer owned the XXXX XXXXXXXX. I paid for these extra charges for 3 additional months.
Why would XXXX and TD still be charging me for insurance on a phone that they know I wouldn't have any more?
By XXXX, I finally contacted XXXX support and spoke with a representative that agreed this was a bug in the their system. He said he will communicate with TD and refund me for the additional months paid. I paid off the account in full, and my open balance is now {$0.00}.
TD Bank continued to invoice for the months of XXXX and XXXX. I didn't make these payments, because I didn't have to. 3 months have already passed in which I no longer have this phone in my possession. Late charges started to take place, and TD collections started calling. I detailed the issue with TD Collections Representative over the phone when they would call and I would explained that XXXX has spoken to them and that this account should be closed and no payment is required.
In XXXX of XXXX, I was looking to buy a home and started the mortgage prior approval process. This is when I noticed that my XXXX XXXX has been significantly impacted. I went from a XXXX down to XXXX, mostly due to my profile showing 90 day delinquent on payment by XXXX XXXX TD Bank. This is more than a 15 % decrease, and I no longer looked good to my potential lenders.
In XXXX I emailed the XXXX 's office at XXXX to explain the issue. The representative was able to summarize the issue and provide evidence so that I can dispute it through the Credit Reporting Agencies.
On XXXX I created a dispute through XXXX, XXXX, and XXXX. I provided all the information and evidence.
In XXXX, just after a month of creating the dispute, XXXX is the only agency to have responded. The letter basically states that they have investigated, and no changes have been made.
They mention the next steps is to reach out to consumer finance, which I am writing to you today.
Attached are documents that prove my case. I was not delinquent in payment, and have worked very hard to grow my credit report.
I do not know what else to do.
Please let me know if you need anymore more information Thank you
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| 05/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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Hello, An fraudulent account was opened in my name on XX/XX/2023. The account opened was a XXXX XXXX account through XXXX Bank. The day the account was opened, I received a credit inquiry alert through my credit monitoring on XXXX. I immediately called XXXX and told them I never applied for anything and they opened a case for me. I also immediately locked my credit. After hanging up with XXXX, I called TD bank to report the issue. I was eventually transferred to their fraud department who assured me they noted my information and I had nothing to worry about because they did not approve any application on with my information as I was not a customer of their. Over a week after this incident, I received a notice from TD bank that " my recently opened '' XXXX financing account requested an address change. I called TD bank again and they were able to verify an account was actually opened. I asked TD bank to provide me the supposed new address to the address change request and they would not provide me the address. I requested this to open a police report but the bank denied providing me the information. The address is somewhere in New Jersey as the person who used my information to purchased some type of cell phones to be delivered in New Jersey. TD bank opened up a fraud case this time and provided me a case number and stated they would be mailing me an affidavit to fill out that I did not open this account. TD took over two weeks to mail me this letter. Once I received the letter, it stated I must respond within 14 days of the printed dated on the letter which was day 12 from the issue date. I emailed the letter to their department ( company stated that was an option ) on Sunday XX/XX/XXXX. I have not received any update from TD bank yet. Today my credit report posted the new account and maxed out balance. I am hoping to get this resolved as soon as possible but TD bank is not easy to deal with as they state they will get back to me eventually. I will be more that happy to provide account numbers and information if needed to look into the case and make sure resolution is made. The companies like TD bank allowed this fraud to go through, ignored my call the date the account was opened and lied that an account was not approved in my name, and have information of where the persons who stole my information and shipped fraudulently purchased merchandise and will not provide it to me to file a police report. I also received text messages to my cell phone regarding XXXX trade in program that I am required to send in the trade in a face charges. I called XXXX and all they did is route me to XXXX. I am still receiving text messages from XXXX about required phone returns. Thank You!
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| 08/06/2016 |
Yes |
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Web |
Older American |
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I purchased an Ultra HD TV 4K XXXX '' Flat Screen from Target in XXXX, 2016 by applying for a credit card and had this item charged on this card with this company. The first statement would start in XXXX, 2016 and the monthly payments will occur on the XXXX of each month. The Initial balance was {$600.00}. The minimum payment amount is {$25.00} of which I paid $ XXXX/month before the due date for each month that I paid. I would say that my payment was made around the XXXX of each month for each payment. I was never late and never made the payment on the due date, which is XX/XX/XXXX. The payment was always made before the statement due date.
I noticed on the second statement, which was XXXX/XXXX/16, that I was charged an interest rate of {$10.00} and after XX/XX/2016, I was charged an interest rate in addition to paying a $ XXXX/payment which is XXXX % of what the minimum payment which was required.
Listed below are the monthly payments made and the interest charged : XXXX/XXXX/2016 {$100.00} paid {$0.00} interest charged XXXX/XXXX/2016 {$100.00} paid {$10.00} interest charged XXXX/XXXX/2016 {$100.00} paid {$9.00} interest charged XXXX/XXXX/2016 {$100.00} paid {$3.00} interest charged XXXX/XXXX/XXXX {$100.00} paid {$5.00} interest charged XXXX/XXXX/2016 will pay balance of {$100.00} {$3.00} interest charged This last payment will pay the balance in full. Calculating what the final balance is, which Target says that I owe {$140.00}, I still calculate an additional charge of {$10.00}, which is in addition to the {$3.00} interest charged listed above. I should only owe {$100.00} not {$140.00}.
I believe that Target is double charging me interest on this item. It is my understanding that the interest rate, which is 23.15 % is to be included in the minimum payment of {$25.00}. However, I am paying $ XXXX/month and I should not be charged any additional interest fees. In addition I am paying before the statement due date and especially when I am paying over the minimum amount due/month. When I asked the customer service rep and talked to a manager and asked where is this additional interest fee is coming from especially when I am paying XXXX % over the minimum amount they provided information that did not make any sense.
Therefore, I am requesting that the total of {$42.00} or any additional interest rate at the time of this final payment be removed from my account and I should only owe {$100.00} balance on this bill due XXXX/XXXX/2016. And I am asking to investigate Target regarding this double-dipping of interest fees being charged to myself and possible other potential customers. I am not sure that other customers are experiencing this but it needs to be investigated.
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| 01/13/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXXXX/XX/XXXX CFPB Closed Accounts Dispute RE : TD Bank checking account : XXXX To Whom It May Concern : On Tuesday XX/XX/XXXX at approximately XXXX XXXX XXXX XXXX I was on the phone with TD Bank Customer Service Department at ( XXXX ) XXXX. During my conversation with the Customer Service Representative ( CSR ), I was never told that my account was in danger of being closed. She told me the opposite, and we even spoke about future plans for the account. I even was asked to enroll in TD Banks account voice recognition program, and I did this with the CSR.
My account had gone negative in XX/XX/XXXX. While on the phone with the CSR, I transferred {$250.00}. form my minor daughters ( XXXX XXXX ) linked TD Bank account ( XXXX ) into my TD Bank account ( XXXX ). The CSR waived {$100.00}. in fees, thus, bringing the account to a positive balance of {$9.00}. I again was, NEVER informing my account was going to be closed, and the CSR, told me that the account was fine, and that the issues were resolved ( listen to your tapes ).
Much to my surprise, TD Bank closed my account the next day, XXXX XXXX XXXX, for being a delinquent account. I have been told a lot of different stories from various TD Banks CSR, but they all had the same response that there was nothing they could do, and the account will remain closed.
Basically, what TD Bank did ( as I have been told ) is that the CSR had no authority to restore the account, even though she told me the account was fine and would NOT be closed. Since the account was coded for collection when the computer run / updates were done at night on XX/XX/XXXX, the account was closed, even though I paid it in full at XXXX XXXX on XX/XX/XXXX. XX/XX/XXXX balance - {$340.00} TD bank credit from CSR ( XX/XX/XXXX ) {$100.00} Transfer from XXXX into XXXX {$250.00} Actual balance ( XX/XX/XXXX) + {$9.00} ( Therefore account should NEVER have been closed ) My complaint is that TD Bank illegally / should not have closed my account since it was paid to a positive balance on XX/XX/XXXX, prior to the cancelation date of XX/XX/XXXX. It also took several months and phone calls for TD Bank to finally return the {$9.00} credit that was in my account. Unless I contacted TD Bank, they were going to keep the {$9.00}. It was finally returned in XX/XX/XXXX, after I sent a complaint to TD Bank.
The other part of my complaint is that TD Bank, knowingly processed checks and payment, to only then rescinded them and charge me additional overdraft fees. Abuse of fees.
Please review and contact me with any questions.
Sincerely, XXXX XXXX ( XXXX ) XXXX CC : New Jersey Department of Banking
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| 03/31/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX, I entered into an agreement with a website builder, to have a XXXX website built and delivered to me by XX/XX/XXXX. I made two payments with my TD Bank XXXX credit card for a total of {$1100.00}. After I made my final payment, and the site was partially turned over to me aroundXX/XX/XXXX, I realized that the site built was not the site I contracted for, per the written agreement with the website builder. I emailed to the Website builder that I did not receive the site that was contracted to be built, in the time frame that was specified in the contract. I requested to cancel the agreement and receive a refund, as the site built did not meet my needs. I was unable to use the website, and faced the added expense of building a XXXX website, at an additional cost. The website builder in his reply email, acknowledge that he had built a site that he was not contracted to build, but refused to return my {$1100.00}. I filed a claim with TD Bank XXXX department. OnXX/XX/XXXX, I sent TD Bank all of the evidence to support my claim and they issued me a provisional credit of {$1100.00}. On XX/XX/XXXX, TD Bank sent me a response from the website builder and asked me to provide further information that the site built was not per our agreement. I had already provided all of this information in my initial package I sent to TD Bank. They requested that my response should be byXX/XX/XXXX. This second request from TD Bank was not dated, but there was a postmark date on the envelope of XX/XX/XXXX. I received the letter late evening of XX/XX/XXXX. I called TD BANK on the morning ofXX/XX/XXXX, to let them know that I was mailing my response back that day, since the letter was received late. The representative advised me to go ahead and mail the information and she would note my account that the letter was received after the deadline date. I also took a copy of the entire package to my local TD Bank branch to be faxed on XX/XX/XXXX.
To my surprise TD Bank had already closed the case on XX/XX/XXXX, even before I had received their request for information. They released the {$1100.00} to the website builder. This information was later verified when I received a statement from TD bank, which indicated that on XX/XX/XXXX they had re-posted the charge of {$1100.00} to my account.
I followed up with certified letters and phone calls to TD Bank, to no avail. In turn they sent me a letter stating that services were provided by the website builder. Which is totally false. I have all of the emails from the website builder acknowledging that the site built was not the agreed upon site. I ended up having to pay {$1100.00} to TD bank plus interest for a site that I was not able to use.
|
| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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TD Auto Finance has acted in bad faith and has been unjustly enriched because of coercion and undue influence.
They have failed to provide me any valid proof of indebtedness nor proof that they sent me ANY disclosures required by federal law.
Your company is violating federal law by knowingly furnishing false credit information without clarifying the billing error. It is impossible to be late on an extension of credit.
I DID NOT AND DO NOT consent to the furnishing of any negative information to any nonaffiliated third party. Furnishing this false credit information is a violation of federal law and my Right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court in Puttaswamy v Union of India 2017.
The consumer credit transaction included a " finance charge '' which under federal law is the sum of all charges in a " credit sale ''.
Box XXXX on their " agreement '' specifically says, " You don't have to pay the finance charge or other amounts that are more than the law allows. This provision prevails over all other parts of this contract and all other acts ". COMPLY WITH YOUR OWN AGREEMENT PROVISIONS. I want to know what law TD Auto Finance is operating under to coerce $ XXXX from me to get my property back that they stole from me when they said I don't have to pay the finance charge?
Your company stole my property because of your omission of known facts, false and misleading representations made to me, furnishing false credit information, failure to provide me proper disclosures under the Truth In Lending Act regarding the financed sale, and collections of an extension of credit by extortionate means, constituting a pattern of racketeering activity between TD Auto Finance, XXXX XXXX, XXXX, XXXX, XXXX, and any other Consumer Reporting Agency you do business with.
This is my explicit notice that I DO NOT want to and DO NOT AGREE TO pay the finance charge or any other amounts.
This is my official disaffirmation of the unconsciousable contract they coerced me into.
I do not consent to your collection of my extension of credit by extortionate means.
This is my official notice of " rescission '' of the contract of adhesion since TD Auto Finance deprived me of the opportunity to rescind earlier with proper rescission forms.
This is my official " opt out '' of having negative information reported to my consumer reports since TD Auto Finance deprived me of proper " opt out '' forms ''.
Refer to attachment of TD 's response to my first CFPB complaint against them where XXXX includes a copy of the " agreement '' and refer to XXXX XXXX of their agreement where it clearly states that provision prevails over all other parts.
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| 08/25/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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XX/XX/2021 To whom it may concern : I am writing in regard to my dispute of scam/fraud with TD Bank. On XX/XX/2021, my Personal checking account was hacked with several withdrawals being taken totaling in the amounts of {$2500.00}. I received a telephone call from a TD Bank representative and was told that my ATM ( Debit card ) was being used in a different state with suspicious charges and if this was me as the charges were in a different state. I told them that I was not making transitions. The TD bank person ( scammer ) then texted my phone and stated the amounts would go back into my account, however the name would be TD Bank Refund which would need my approval and I would have to state yes in which I did. During this time I was able to log into my TD bank account and realized the scammer created a XXXX account called XXXX and was withdrawing money from my personal checking account. I never approved withdrawals and realized this was a scam and immediately contacted TD Bank on XX/XX/2021 to report the fraud and scam. I was transferred to a TD Bank represented ( Fraud Department-XXXX ). She in return requested that I close my PERSONAL checking and BUSINESS accounts as this was definitely fraud and a scam as there was no such account as XXXX XXXX XXXX. She provided me with a Claim number # XXXX and advise me to contact TD bank within 3-5 business days for the investigation results. I contact TD Bank on XX/XX/2021 for the status of the claim and was told that the claim was denied as I had approved the transition. I stated this was untrue, as I did not create a XXXX XXXX account and requested my money to be returned. I then asked the case to be reopened. TD bank Fraud representative then advised me to contact my local police department and file an incident report and to fax a copy of the police report to TD Bank with my new claim number Claim # XXXX. On XX/XX/2021, I filed a police ( Please see attached ) and faxed to TD Bank confirming the scam incident. The bank representative advise me to contact them within 3-5 days. However, on XX/XX/2021 TD Bank again denied my Fraud claim and will not refund my funds of XXXX.
Please note, I have called the TD Fraud department, my local branch and was told my monies will not be refunded. I have exhausted all means to retrieving my money back into my account. I have banked with TD bank for over 15 years and have established a great rapport with excellent credit rating. Please assist me in this matter as the loss of XXXX has caused undue financial hardship, emotional stress on myself and family members in which I am the sole provider.
I can be reached at XXXX XXXX-XXXX or by email XXXX. Thank you in advance.
Sincerely,
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| 05/11/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/2019 a fraudulent account was opened in my name at XXXX XXXX at XXXX XXXX mall in XXXX, AZ. TD Bank is the Financing Bank for their credit cards. This account was made known to me from my credit report I ran because there were numerous other accounts opened in my name in person between XX/XX/XXXX and XX/XX/XXXX. On this date, the thief actually came in the store the day prior to make purchases but had to return the next day because they came in the store too late and the banks would be closed to issue them a line of credit. The next day, they returned to make two purchases- one for {$2400.00} and another for {$3200.00}. My detective with the XXXX Police Department, XXXX XXXX, ( Case # XXXX ) was able to speak with the merchant and the holiday hired clerk stated they thought the customer was odd because they read their info for the credit line off of their phone, they spoke with the bank, and they approved the credit, so their hands were tied. When I found out about this account, I spoke with XXXX XXXX and they gave me a case # XXXX and TD Bank. They were very cooperative and actually were one of the few that gave me important details about the transaction that I was able to relay to the police department. After speaking with them extensively, I was told that I would continue to receive statements but to ignore them because I would not be held responsible for the payments. After continuing to receive them, I called TD bank last week and could not get through to anyone. I called back today and I was on the phone for 7 hours and 16 minutes, holding the majority of the time or being transferred to different departments. At times I was told that XXXX did not respond to my dispute in a timely manner so it was " timed out '' and I would need to start the process over. After talking to another person I was told that XXXX responded to the dispute that it was " legitimate because proof of receipt and purchase was shown '' so it was denied as fraud. This seems strange to me since I have a case # with XXXX and a Police court case # and also my Detective, XXXX XXXX, has spoken with them and also has video surveillance footage from this store of the thief. After being on the phone with TD Bank for 7 hours and 16 minutes today, talking with the " front office supervisor '' I was told she was the highest up person i could speak with, and my only options were to send in my concerns in writing to them and/or dispute it with the credit bureaus as fraud, since my case was considered " resolved ''. After having all other fraudulent accounts closed and wiped from credit and everything, this is the only account I continue to have issues with with not an acceptable resolution.
|
| 05/05/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX, I filed FTC XXXX. The option selected was Identity Theft ; and my TD Bank account ending in XXXX was XXXX of the accounts that the suspect, XXXX, is still attempting to take over.
Well, now, what XXXX has gone ahead and done on a repetitive basis is switch the debit card or the sim on my card in the midnight hours while I'm sleeping. Every time I leave my wallet in my XXXX XXXX unit, XXXX, he continues to trespass and go into my wallet there, XXXX XXXX XXXX XXXX, XXXX, FL ; or at my Mom 's apartment, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. Each time XXXX and his team players switch my card, the history becomes " new '' again. So, as of today, I have NO WAY of looking back to anything that is older than 60 days ; and my account was opened by " me '' in person with Bank Employee XXXX back in XXXX of XXXX.
With that said, there's currently two problems with XXXX different company/organizations. One problem is with the XXXX XXXX XXXX XXXX, ( XXXX ) XXXX. So far, for my XXXX High School Anniversary ( Reunion ) that's taking place XX/XX/XXXX I have paid the {$50.00} Membership Renewal Fee, {$10.00} Registration Fee, and {$35.00} Luncheon Fee. This week, I authorized the Staff Helpers to run my card for {$150.00} for one hotel night, XX/XX/XXXX -the XXXX. Upon doing this, I decided to place the email in my XXXX XXXX Society inbox folder that I created for XXXX. When I clicked on the folder, I noticed the " receipt '' for the XXXX was missing. So, I attempted to look for it via the SEARCH icon in my inbox, and there was no history. Therefore, I emailed XXXX at XXXX regarding this matter and asking her to email me the receipt again. Then I went into my TD Bank online account and pulled up the history ( 60 days ) and the amount {$35.00} came up as cleared. So, I took a screenshot of that and emailed it to XXXX. Yesterday, XX/XX/XXXX, I called the Organization and informed them about the emails and how it's okay to run my card for {$150.00}.
Well, today, the card still has not been ran and I perceive I'm dealing with a fictitious online account. This is why XXXX continues to tell everyone I'm spending his money and I'm really not! I'm spending money I deposited. The deposits are coming from my self hard earned money. So, if that's not the case, why is he busy trying to steal my luncheon ticket, and pretend he's paying for a hotel room when it's me? Also, why is my XXXX XXXX transaction missing for {$32.00}? I did not make XXXX transactions with XXXX XXXX on XX/XX/XXXX. I placed an online order for XXXX transaction that contained XXXX items in it. Who deleted the {$32.00} and made it XXXX separate transactions? Since when does that take place?
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| 10/26/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
- Problem with customer service
|
|
Web |
Servicemember |
|
At the beginning of the week of XX/XX/XXXX I brought a {$9200.00} cashier 's check from XXXX XXXX issued on XX/XX/XXXX with the words " void after 7 years '' printed to the right of the issue date.
I brought it to the TD Bank in XXXX, Maine where I have an account. I gave the cashier 's check, which is valid until XX/XX/XXXX, to the teller, and the teller gave me {$9200.00} in cash. On XX/XX/XXXX I checked my account balance and discovered that my account was showing a negative balance of more than {$7000.00}. Why? Because TD Bank had deducted the {$9200.00} from my checking account and charged me more than {$80.00} in associated fees.
When I contacted TD Bank about this, they told me that their check cashing department had returned the check for a " stale date '' because they don't accept any checks that are older than 6 months. This is despite the fact that 1 ) a teller had INDEED accepted and cashed the check 2 ) cashier 's checks are prepaid monetary instruments unlike personal checks which are a guarantee to pay 3 ) the check was still valid.
I discussed those three points with the TD Bank local branch manager, and asked what TD Bank would do if someone who didn't have an account at their bank cashed a cashier 's or traveler 's check that was more than 6 months old. Her response was that 1 ) they won't cash either cashier 's or traveler 's checks for people who do not have accounts at their bank because " all checks are the same '' 2 ) regardless of the expiration date on a check, they will return all checks more than 6 months old.
I asked what I was supposed to do, and she said to call XXXX XXXX. After more than 90 min on hold waiting for a supervisor at XXXX ( no one at the first level was able to help ), I was told by XXXX XXXX that I should call TD Bank. I called the local TD Bank back and told the manager that XXXX XXXX said it was a TD Bank issue. She then said that, regardless, there's nothing they can do.
When I asked the manager what I'm supposed to do now that I had neither $ XXXX fees in cash nor my perfectly valid cashier 's check, she said that I would be receiving an identical and legal reissued copy of the cashier 's check in the mail. I asked her if I could then bring that one in for cashing and she said I could not because it would have the same date as the original. I asked what I was supposed to do with it then, and she said " bring it to a XXXX branch. '' ( The nearest XXXX XXXX is almost TWO HOURS from here. ) As it stands I'm without my cashier 's check, without the {$9200.00} that my daughter paid for the check, and without the fees incurred as a result of TD Bank cashing my valid check and then refusing to process it.
|
| 04/27/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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Td bank americas most convient bank. turning a fraud victim, into a suspect.
On XX/XX/XXXX I lost my debit card I didnt report it because I thought I had lost it in the house.
Then on XX/XX/XXXX town & country called to inform that my check for my rent bounced. So I immediately called customer service to see what was going on and the customer service rep. told me that the account was in a negative balance. So I asked why and she told me about a check that was deposited on the XXXX for {$11000.00} which I didn't deposit. The fraudulent cashier check from XXXX XXXX bank was deposited into my account on the XX/XX/XXXX 2020. based on the regulation E disputes fraudulent transactions started on XX/XX/XXXX. The fraudulent ACH transactions are a total of {$2500.00}.
The customer service rep. also told me about a whole bunch of transactions I didnt make. The next day XX/XX/XXXX I went to the police station filed a report and then went to the bank to file a claim. After I filed the claim the teller said it would take 15 or more days for the fraud department to investigate. I waited 25 days to go back to the same bank where I filed the claim and the store manager said it takes 45 days for the fraud department to investigate. This the store address XXXX XXXX XXXX XXXX, XXXX XXXX MD. after waiting 40 days I never received a response in the mail and no one called me from the fraud department to keep me updated. so today on XX/XX/XXXX I went to the bank at XXXX XXXX XXXX XXXX to talk to the banker about the fraud investigation and that I wanted to know what was going on because no one had contacted me or sent anything in the mail. Then he told me that my regulation E disputes were denied and that the investigator on my case came to the conclusion that because the pin was put incorrectly the first time, it isnt a fraud. Also denying my regulation XXXX disputes because the pin was put correctly the first time when the check was deposited is unfair because my name and card info could have been stolen at a gas station or ATM by a skimmer device.
Following this, I will file a complaint to the consumer financial protection bureau because I didn't deposit the check or make all these transactions, or put my account in a negative balance. Plus Td bank was charging me overdraft fees when my account should have been on hold. If the investigator would have looked at the cameras where the check was deposited they could see that it wasn't me. The signature on the back of the check is not mine. I'm being treated like a suspect, not a victim.
Due to the poor management of the investigation/customer service my account is in $ XXXX which is being sent to collection.
XX/XX/2020 2020
|
| 02/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
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Web |
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On XX/XX/XXXX, with the help of Target customer service representative, I enrolled my Target credit card in Autopay on Target website using my checking account with XXXX please see documents attached. The same day I signed up for electronic statements.
On XX/XX/XXXX, I received a statement from Target that my balance is due. Nothing on that statement yielded that my autopay did not go through, and I am past due on my bill, see documents attached. Not a single alert about my account being past due came from Target.
The next day I received and alert from XXXX and XXXX that my score dropped 155 points due to the red flag posted by Target. In twenty years I never missed a payment, and always had an above 800 credit score. I paid my bill immediately using the same autopay account ( already in Targets system ). My XXXX account was processed immediately for the outstanding amount, see documents attached. I called Target numerous times to no avail.
On XX/XX/XXXX, I filed an online dispute with XXXX XXXX XXXX.
On XX/XX/XXXX at XXXX, I finally got through to speak to a Target representative. I informed him of the situation. The representative told me that I never had an autopay account, luckily I could prove that an Autopay account was, in fact, created on XX/XX/XXXX. I have a conformation message about enrollment in Autopay generated by Target, see documents attached. That day, I was also on the phone with the Target representative who was guiding me through an autopay set up process.
On XX/XX/XXXX, during my conversation with Target representative he gave me the report number XXXX. Target representative assured me that they posted a note to XXXX agency, as he stated they put a red flag due to misunderstanding. The representative assured me that Target will look into my call to set up an Autopay on XX/XX/XXXX, and that someone will follow up with me. No one from Target ever called.
On XX/XX/XXXX, the dispute results from XXXX came. The XXXX stated that Target balance shows as outstanding still ( as I never paid it ). Please see the attached documents that confirm that I paid the balance in full the same day I learned of the account being past due. I hoped that XXXX will be able to solve this ; however, the red flag posted by Target was never removed, and XXXX did not change the status of my credit.
I am determined to solve this problem. Ive always had an outstanding credit history, and never was late on any of my payments. I enrolled my Target credit card in autopay due to convenience, as I have all of my other accounts. I have never experienced problems with autopay until Target.
Please, help me solve this situation.
Best, XXXX XXXX ( XXXX ) XXXX
|
| 12/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$5900.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there are possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
|
| 11/23/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
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Web |
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I have an account with TD nano that XXXX sends my checks to every month. I have been having someone steal the numbers off of my debit card without my knowledge. They have tried to take my card number and use it without the chip on the card. I am confused as to why my card is being used without the chip. I don't see the point of a chip on the card when I was informed that the card could only be used with the chip. I have been having to go to the bank because if this to get a new debit card because they have allowed this tip happen behind my back. Last time I went I spoke to the teller gave her my information and was told to speak to another teller. XXXX minutes later I recieved a text that I ignored from TD bank since I was already sitting with the manager setting up a new card. I set my pin, went to the atm and used the card when I came home I checked my balance and the pin didn't work anymore. I went back to explain to the manager at broad and XXXX, what happened and she gave me an attitude telling me to leave and wouldn't change my pin. I called the police they told me tip go to another TD nano instead I'd fixing the problem and wouldn't give me her bosses number. After I went top a new bank and changed my pin it wouldn't work at the atm. I was then forced to write down my account number to withdrawal money after being told I'll revive a new card in the mail when it only takes to minutes to make a new one. On my way home I recieved a text saying thank you for sharing green XXXX when I looked it up someone at the bank used my money to open another account without my permission. I then read the contract and realized they said they can do as they wish with my account on the contract. XXXX told me before hand that the contract wouldn't apply in their own words no one should be going into my account under federal law no one but the XXXX account holder should be able to touch my funds. When I signed for this account I was already aware I'd the fake that they can't take money out of my account without my permission through goverment law. I just recently put these XXXX checks in a bank account with TD bank thinking that mine and my child 's account would be safe. I even spoke to someone on their phone line on the back of the card and asked them to put it on record that no money but XXXX money goes into the account and no one but me touches the account which is on record. Please help im really not XXXX XXXX and didn't get the chance the switch the account to another bank. The reason I put this income in TD bank wad because XXXX XXXX allowed someone to do the same thing and use my card without my knowledge. I would really like both top be researching and refunded
|
| 10/17/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
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I created a new TD Bank account inXX/XX/XXXX and I have been waiting on a debit card from the mail since then. This is my second time requesting a card, but I never received one both times. For the second attempt, I believe the card and PIN was misdelivered and is currently being used fraudulently by someone else.
The transactions were made between XX/XX/XXXX to XXXX, XXXX in the total of over {$7000.00}. After the first transaction of XX/XX/XXXX, I called the bank on the morning of XX/XX/XXXX to report the fraudulent charges and cancel the card, however transactions were still being made on the card. These charges continued until XX/XX/XXXX. A full list of known charges has been attached to this complaint. Since I do not have access to my online banking, I'm not able to track these fraudulent charges myself and I obtained this list through an agent on the phone.
Later that afternoon on XX/XX/XXXX, I was locked out of my account, leaving me without access to all of my savings. I am a current student at XXXX, and I have been unable to pay tuition due to funds missing from my account, as well as no way to access my bank at all. I am unable to pay bills or transfer money. I have called TD Bank every day for the past week, and they were unable to help me, only leaving me in circles.
Some agents tell me the charges will be disputed ; others tell me that I am able to go into a branch to get my online banking unlocked. However, upon calling a physical branch, they told me they are unable to unlock my account for me and transferred me back to a call center agent. Later, the call center agent said that my account is being demarketed and cancelled. The Demarketing Team has not returned any of my voicemails and I have not heard from that team at all whatsoever.
I have not received any of my lost funds back from the back, and TD Bank is attempting to cancel my account with all my savings inside, despite this being an issue they caused. I only recently opened this bank account in XXXX, and I have had issue after issue with TD with no one to help. Their customer service is terrible, and all their agents are useless in trying to understand my situation.
No action was taking by TD to try to protect my funds. Even though their " fraud '' detection sent me a text to my phone about potential fraudulent charges, they did nothing to stop the charges. I have been locked out of my own bank account with no way to verify myself, because of TD 's " security features '', however their " security features '' were not enough to stop the thief from making thousands of dollars of transactions. Currently my bank account is still locked and I do not have access to any money.
|
| 01/24/2017 |
Yes |
- Bank account or service
- Savings account
|
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|
Web |
|
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I has established a direct deposit to my new savings account opened with TD Bank. The amount was received by the bank but they held it in a warehouse and refused to credit the funds to my account despite numerous requests. At first I was told that at TD Bank unlike all other banks direct deposits get credited only at the end of the business day and not first thing in the morning. When I pushed back on the explanation provided, I was told that the funds ( large amount exceeding XXXX ) was being held in their " warehouse '' as the instructions indicate the account type is checking and not saving. After being placed on hold for over 30 minutes was told that the " warehouse '' has been requested to release the payment. It is not guaranteed but the funds " may be '' made available tomorrow. I indicated that it was not acceptable for the bank or the " warehouse '' to simply hold my payment for over 24 hours ( or more as not guaranteed ). I was told I was at the bank 's mercy and they can hold my payment for as long as the " warehouse '' deems necessary and that the bank can only send them a message which they have already done. When asked to speak to a Manager I was placed on additional 15 minutes hold and then old no one is available. When asked on how as a consumer I feel helpless and taken advantage of and need to escalate I was again placed on another long hold and then asked to leave a voicemail to the Manager. Left the voicemail and as expected did not hear back.
What protections if any do I have when the Bank or its agent - the " warehouse '' illegally hold my funds with no resolution or guarantee on when I will get the funds?
What are the penalties and sanctions that the bank is exposed to for such illegal, unethical and immoral acts?
Are consumers in this country just at the mercy of banks like TD bank and banks can hold the hard-earned direct deposits funds whenever and however they like?
What are the labor law violations that the bank has committed by avoiding a worker from having timely access to their wages?
Most unacceptable daylight robbery by the Bank.
Details of the individuals involved : Agent - Her name was probably XXXX - She seemed completely ignorant with no knowledge of banking what so ever.
Supervisor - XXXX. Refused to give her full name. Extension - XXXX. Called herself both the supervisor and Manager. Was extremely rude, arrogant, and indicated that the bank could take as long as they want and that as a consumer I had no recourse against the Bank or their " warehouse ''.
Manager - The voicemail indicated her name was XXXX. Failed to contact me despite my detailed message and plea regarding the important matter on hand.
|
| 08/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph XXXXs the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, TARGET/TD failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.
TARGET/TD Account Number : XXXX As a consumer by law this account must be deleted immediately.
Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.
TARGET/TD Account Number : XXXX As a consumer by law this account must be deleted immediately.
Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract.
I do not consent to these proceedings.
I do not require subrogation of the bond to settle the charge.
On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
|
| 07/29/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Application denied
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Web |
|
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I have a credit score of more than XXXX. I have an auto loan with an perfect payment history. My credit report does not reflect any negative balances, any late payments or anything negative. I am a also XXXX woman with a thick accent. I stopped by a Target located in XXXX Ga, on Saturday XX/XX/2019. I was looking at a promotion that expired that day where I was to get a discount coupon valued at XXXX if I signed up for the Target credit card. The associate convinced me to apply, as he said it was a pretty simple and instant process. Since I wanted to expand my credit portfolio and had a pretty good credit score, and the promotion was very attractive, I took the bait. To my surprise, I got a receipt saying Id get a letter in 7 days. After I did some search online on many credit forums, I discovered that people had actually called in after receiving such notice and they would find out they were approved. Many consumers reported they were approved even with credit scores in the lower 600s. I called the XXXX, and was transferred to accounts payable. The first person immediately told me I was declined because I had " no credit history '' Which is false. Then she told me it was because I didn't have credit cards and they decided my score credit wasn't good enough to issue me with a Target credit card. That the bank, TD Bank USA, didn't deem me a good " fit ''. Since I know I have a good credit history and score on file and actually hold an auto loan with a very well known bank, I knew there was something more to this information. I requested to speak to a manager and I asked her first for her information to document it and have it ready when I filed a complaint with the corresponding government agency, and my attorney. The reason I want to escalate this is because I feel that there was some discrimination regarding the approval process as they have information on my demographic by looking at the places I've lived at. I also know there was a switch and bait during the whole process. The employee who took my info at the register gets his commission. Target hits their numbers without issuing the XXXX promotional coupon and I get a bad hit on my credit score without obtaining any benefit, no discount coupon and no credit card either. So the " manager '' identifies herself as XXXX, literally mocks my government agency comment by saying " what government agency lol what are you talking about '' And by finally saying in an extremely hostile, terse and disdainful tone " you better learn how to speak to me or you wont get any information from me '' So I hung up without any information besides what was originally given by the first accounts payable associate.
|
| 05/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
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Web |
|
|
To whom it may concern, On XX/XX/XXXX I opened an Checking Account at TD Bank N.A ( US Account ).
I received an email asking to contact them to process the Debit Card.
In the same day I called them, and they confirm that the Debit card would be sent to my mail address.
I got access to the online banking, to the App and everything was set up. I received a transfer as well that was properly deposited in my account.
One week later, I tried to deposit two cheques that I received from the University as refund for travel expenses. They send me 2 cheques with the same amount of {$170000.00}.
I knew one of them probably was not valid due to the duplication but since I didn't know which one, I deposit both. One on XX/XX/XXXX at night and the second on XX/XX/XXXX in the morning. I was expecting that probably one cheque would bounced but the other one would be deposited, however I didn't know which of them.
After that both cheques were put on hold by TD Bank for further evaluation.
After few days, as expected, one cheque was bounced. However instead of depositing the second cheque, TD Bank just closed my account without any further notice.
In the mean time, the bank had already approved my credit card with XXXX limit, which for me means that there was no problem in my credit score and history.
After this unpleasant situation I called the TD bank to verify the reason for closing my account. For my surprise, they said they can not inform me the reason!
The only information I got is that the account is closed and the amount will be sent by cheque to my mail address including the amount of the second cheque AFTER the processing time for the cheque that still on hold. And the whole process can take up to 30 days.
In summary, TD bank closed my account with no pertinent reason, without any notice and is holding my cheque and residual checking balance.
My major concern is not only about getting my money back but actually, the impact of this on the next bank account I will try to open.
I am a XX/XX/XXXX, relocating from XXXX to XXXX, and I obviously I will need a good bank account to deal with significant income amount every month, as well to build my credit score for the mortgage.
The only possible reason that come to my mind, since the back said that they " can not inform me the reason '', is : Maybe TD bank suspected fraud about the duplicated cheques (? ) and for " security '' reason they blocked and closed the account?
If this is the reason, would be more reasonable call me or called XXXX XXXX XXXX to verify the authenticity of the cheque instead of harming the account owner?
This is just unacceptable and extremely humiliating.
|
| 08/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
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Web |
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On XX/XX/2021, i received three emails from TD Bank regarding the opening of a new checking account. I did not open a TD Bank Checking account.
I then called the customer service number after confirming online the number from the emails matched the actual customer service number. Took forever to navigate because there are no options for those who are victims of fraud. Eventually after jumping through many hoops i was able to get transferred to a representative. The wait time was 15 minutes, which was fine considering fraud was involved. I spoke to a nice young lady who was empathetic to my plight. Sadly, she could do nothing and had to transfer me to the " fraud department ''. She politely informed me that the wait time was 40 minutes. I said that it was fine 40 minutes was not the best number but I was concerned about fraud.
2 hours later, with my total wait time over 3 hrs i finally was connected to the fraud department. They filed an id theft report, told me they would investigate but gave zero time frames. They protect the fraudsters by not giving me what address they used or phone number.
I want this account closed. I'm not surprised the fraudsters chose TD Bank with all the gaps in there processes. I was told the freeze my reports but how does that stop someone from opening another checking account? The answer : it doesn't. There are no protections for consumers in this line of business.
As the true consumer, who can prove there identity, its left out of my hands. I can prove who i am, close the account as i requested. There are so many things wrong with the TD Bank process : 1. No indication to consumers how long they will wait on hold. Just endless loops of music with stops that give the consumer hope someone might be connecting.
2. They let fraudsters set up accounts with zero verification. Drivers license? SS Card? none required by my observations 3. Front line customer service reps should be able to shut down accounts and provide the information that i gave to the " fraud department ''. Nothing i gave the fraud department a front line rep couldn't get or take care of. 15 minutes vs 3 hrs. Unnecessary.
4. The consumer is at the will of the bank. Will the account be closed? Why can't i provide proof of who i am? All the pain and suffering i must go through waiting and waiting for an answer. Close the account if i can prove who i am. Can't be that hard if i have to wait 3 hrs to talk to someone. Give me some time back that i gave you?
Again close this account. Now. Not 15 days from now. If it takes more than 24 hrs, i will seek out what legal action i have available to me, at minimum i will sue locally for XXXX dollars.
|
| 04/16/2015 |
Yes |
|
- Closing/Cancelling account
|
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Web |
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TD Bank is using fraudulent terms to bait people into signing up for their credit card and then not paying them the rewards that they are owed. In XX/XX/XXXX I applied for the TD Easy Rewards credit card. The terms and conditions on the application today are the same as they were back then. They state that for the XXXX 6 months, XXXX earns XXXX points at grocery stores with no cap. It explicitly states that the amount of rewards that one can earn is unlimited. Well, my son and I have a LOT of expenses at grocery stores so this was very attractive for me. I applied, took the credit hit from the inquiry, was approved and added my son as an authorized user. For a few months this card was very beneficial to us due to the amount of expenses that we were earning XXXX points on. But in XXXX, TD Bank decided to implement an unwritten points cap and shut people down who had already earned that many points. They will not admit to this, but from reading the exact same experience from others on online forums, I am positive that this is the case. In XXXX I attempted to log into my account and received an error message. I called and asked about this and they told me that they " periodically did security reviews and I was deemed a risk for fraudulent activity '' blah blah blah, said something about money laundering. XXXX of all, this is absolutely bogus. How can you launder money with your own credit card? Money laundering is done by criminals who have a lot of cash they 've obtained illegally that they want to hide. Who ever heard of laundering money with their own credit card? No one, because its impossible. XXXX, I did absolutely nothing differently than I had been doing the previous months. They made up a reason to close my account because they decided I was n't profitable enough for them. I guess they might have the right to do this, except for the fact that they explicitly stated that there was no cap on the rewards that could be earned! This is classic bait and switch. They are making false promises of unlimited rewards which they have no intention of honoring. When my account was closed I had {$14000.00} in pending charges which would have yielded me {$730.00} in points. This is in addition to all of the points I would have made, if they had left my card open for the promotional period. I demand that they pay out on this. They will claim that their T & Cs state that they do n't have to pay rewards if an account is closed, but this does n't mean they can close an account just to avoid paying the rewards! Again, classic bait and switch! Crook institutions like this are exactly why we need the CFPB. Someone needs to hold these banks accountable!
|
| 08/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
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I opened a checking account with TD in XXXX. I had a problem with them about 5 years ago when they signed me up for an overdraft program that left me with almost $XXXX in fees. I called the bank to let them know I did not sign up for the program, but it took about 5 calls before they finally fixed this situation and reimbursed me.Since, my account has remained fairly steady. However, I have been in what's called a simple checking account for that time - meaning each month I pay a $XXXX fee regardless of my account funds.I called yesterday to find out if there were other options with the bank, and they immediately told me I should be in a different account where I incur no fees, because I have a record of maintaining over $100 in the account - I've probably maintained this level for 1 to 2 years. No one from TD ever previously contacted me about this, or told me in person even though I've been to the bank numerous times in those years. The bank never altered me that I might be able to save money by changing my account. I estimate I incurred at least $250 in fees because of this over the years. A few times representatives in the bank actually offered me other products: savings accounts and CDs, but never mentioned this checking option.I feel like TD Bank should have notified me that I might qualify for a better product - one where they weren't skimming money off the top. I owe student loans, I have bills - $XXXX/month is actually something to me, and I am XXXX that this company run by XXXX XXXX gets to skim off my bank account to line their pockets. I feel they acted in incredibly bad faith, knowing I would not have the time, or the knowledge, to check on other products, and they could rely on the easy $XXXX. I wonder how many people in their system this is happening to?? It makes me enraged. Once again, bankers are allowed to hurt the regular person in our country just because they can. When I called, the bank told me all about how committed they are to me and my community. Honestly they could give a XXXX about me or my community. A banker who cared would call me up and say, hey I noticed you might want to change accounts. Every time I go in they can try to ply me with a savings account or some other product, but they never mentioned the checking account without a fee. How can I trust our banks and our financial system when it seems to be run by people who want to hurt me as much as they can?How can I trust this country when these bankers have the ears of our congressional representatives.It's insanity!These guys are hurting almost everyone, just to have more money than XXXX when they already have more money than XXXX. It is obscene.
|
| 11/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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I'd like to report a complaint against TD Retail Services for mishandling the repeated requests I made to resolve late payment issues that has resulted in multiple delinquencies on my credit report. I purchased XXXX phone in early 2019 on a XXXX which I arranged to pay via Autopay from my TD checking a/c. First few payments went ok with no issues, and then auto payments stopped without my notice. A month I received a strange letter stating that my payment was due. The letter was strange because it was not on a good quality paper, and had no logo or credentials on it. So I ignored it, until i started getting recurrent letters in my mail every week. I contact TD customer service and told them the issue I was having, the TD agent asked me email her a copy of this letter. I was put on hold, and the agent said that this letter definitely looks like some kind of shady scam, so she asked me to ignore these letters, so I did. 4 month later I had collected so many of these letters that it worried me and called up the number of that letter but got no response. Then I called TD but got no resolution. Few weeks later, I received a voice mail asking me to pay {$440.00} else they will send me to collections. At that point I had no choice but to pay in order to avoid a ding on my credit score. I called TD bank and requested for explanations repeatedly, but got no response. I emailed to TD executives multiple times but they never bothered to respond to me. Then, I filed a complaint to TD Ombudsman and i got a response. The TD Customer Care Advocate III responsible investigated my complaint, which I now call very superficially and told me that all my claims are baseless and that TD is not at fault but I am, for ignoring those letters. When asked to look into the conversation record, my request was outrightly denied and upon further pressing, the same TD employee told me no such phone record exist and thats when she stopped responding. Coming from TD 's President 's office employee that " no record of such conversation exists '' is a complete lie. I have paid {$440.00} as late fee and my credit report is affected because of irresponsible and ignorant actions of one TD customer care agent. I have no trust left in TD Bank and any of its services and all I care for is to get get reimbursed {$440.00} so I can close all my ties with TD Bank. Employees from TD President 's Office have shown nothing but arrogance and power to overrule my complaint. I regret being associated with such horrible bank service and hereby request your office to kindly intervene and help me get a justified resolution to mycase. Any help from your office will be greatly appreciated.
|
| 07/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
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On XX/XX/19, I e-signed an Intent to Proceed notice with TD Bank for a mortgage loan. The closing date for this transaction was scheduled for XX/XX/19. My attempts to communicate with the loan officer and loan processor since signing the Intent to Proceed have been largely unsuccessful resulting in missed deadlines and a failure to meet the original closing date. Between XX/XX/19 and XX/XX/19, I sent 6 emails to my loan officer and/or loan processor and not a single one was replied to. Over the same approximate 1-month period, I left 11 voicemail phone messages ( no phone calls were ever answered immediately ). Only three of my calls were returned. I received a conditional approval on XX/XX/19 from the lender. I submitted the required documentation to the best of my ability with minimal to no guidance provided by the lender. Due to lender 's failure to respond to my attempted outreach, at no time was I aware if the submitted documentation would be acceptable.
The conditional loan approval correctly stated the closing date XX/XX/19. An initial closing disclosure is required by XX/XX/19 in order to close by XX/XX/19. TD Bank did not meet the XX/XX/19 deadline for the closing disclosure. I was informed via email onXX/XX/19( the first email response I received since XX/XX/19 ) that the lender has not performed an employment verification. I was informed by TD Bank that a written verification request was sent to my employer on XX/XX/19, the day the closing disclosure was due. During one of the few successful phone calls on XX/XX/19, I asked the loan processor if any documentation was needed for employment verification. I was informed TD Bank would independently obtain the verification. As of XX/XX/19, to my knowledge the only item which is required to complete underwriting is the written employment verification. However, I can not confirm this is the only requirement for underwriting due to the lack of communication. As of the filing of this complaint, I have not received the completed appraisal, the initial closing disclosure, or even a proposed revised closing date.
TD Bank has failed to display any good-faith efforts indicating that they attempted to close this loan on-time. Outreaches to the TD Bank loan officer and processor have been almost nonexistent. Outreach to TD Banks customer service line has been successful, however, the amount of assistance they can provide me in limited to what is recorded in the system by the loan officer or processor. As a result of the failure to meet the disclosure deadlines and closing date, I now face potential consequences of monetary damages and a cancellation of sale through no fault of my own.
|
| 08/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
What follows is a letter that I send to TD Bank back in XXXX, XXXX. I have had no response from them, and they keep adding " late '' fees to the original balance that I believe is incorrect. This is a classic example of " junk '' fees. TD Bank has reported me to credit bureaus which damaged my credit rating. I used to have a very high credit rating and now not so high.
I received the latest statement from TD Bank on this account and the amount they want is up to {$330.00}.
On principle, despite TD Banks credit bureau reporting or whatever else they try. I will never pay this bill because I believe it is outrageous and wrong.
XXXX XXXX XXXX, NY XXXX XX/XX/XXXX TD Bank XXXX XXXX XXXX XXXX, GA XXXX To Whom it may concern : I am writing to complain strongly about unjust finance charges on my TD Cash Visa Signature Card and to request that you cancel them all.
Account information : XXXX Account # : XXXX This is a problem that began on the statement covering the period XX/XX/XXXX XX/XX/XXXX. On that statement a Late Payment Fee of {$22.00} was charged. I called TD bank to ask why. I dont pay my bills late, and had mailed a check on XX/XX/XXXX which was more than enough time for it to reach TD Bank by the due date. You received my payment, total amount due of {$21.00} on XX/XX/XXXX. The late payment fee was charged on XX/XX/XXXX. The late payment fee charged was {$22.00} which was more than the amount due! I called and spoke to your representative on XX/XX/XXXX and was assured that the late payment fee would be removed we both figured that the US Mail was the culprit in taking so long to deliver my check.
The next statement arrived covering the period XX/XX/XXXX XX/XX/XXXX. The only amount I should have been charged is {$21.00} a legitimate charge. But what do I find!
Not only has the {$22.00} late fee from the previous month not been removed ; there is an additional late payment fee of {$36.00} assessed. So I call TD Bank again on XX/XX/XXXX, speak to a representative named XXXX, who assured me that the late payment fees would be removed. I asked why it hadnt been resolved from my first call, but she didnt know.
Late payment fees not removed on statement of XX/XX/XXXX XX/XX/XXXX. Hmmm.
Just received statement of XXXX XXXX XXXX, XXXX. The only amount I should owe for something I actually purchased is {$21.00}. But the amount due has risen to {$130.00}!!!
This is outrageous! Ive also received two dunning letters, threats actually, which are enclosed for your reading pleasure.
Bottom line. Please correct this mistaken and usurious accounting error. Im sure there was some mistake in assessing such charges.
Sincerely, XXXX
|
| 02/20/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name XXXX XXXX XXXX XXXX XXXX and have been appointed and accepted being the executor both public & private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it.
An agent of Target called me @ XXXX XXXX PST on XX/XX/2023, however i was unable to answer. I gave them a call back @ XXXX XXXX PST XX/XX/2023 in regards to the call. The agent wanted to verify that I applied for an extension of my own credit when I filled out a credit application. I verbally notified them that I, the consumer and natural person did indeed apply for an extension of my own credit. However I was asked to provide Identification, which I notified them I can provide them with a passport. However an agent of Target advised me that they would only accept a state issued ID. I am not in any possession of a state ID, as the natural right of a natural person I can travel among the land without a License. I do not operate in commerce when in my private automobile. I also have the right to identify myself with my passport.
Unfortunately for this reason, I was discriminated against for not having an ID, and I, the consumer and natural person, was denied credit by TARGET when I applied for a Credit Card.
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.
You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by TARGET due to the response I received.
TARGET is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.
Furthermore, because my social security number ( credit card ) as defined in 15 USC 1602 ( i ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of TARGET.
If TARGET fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make TARGET criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o.
I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ).
Thank you, XXXX : XXXX XXXX XXXX/ [ Agent/Beneficiary ] Without Prejudice, Without Recourse. All Natural Inalienable Rights Reserved.
|
| 01/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
1- On XX/XX/XXXX transaction amount of {$330.00} at XXXX XXXX 2- On XX/XX/XXXX transaction amount {$140.00} at XXXX XXXX # XXXX 3- On XX/XX/XXXX transaction amount {$14.00} at XXXX XXXX # 12 On XX/XX/XXXX I noticed these fraudulent transactions and reported these fraudulent transactions to TD Bank Ph. # XXXX, got my card blocked .I was told the complaint would be investigated On XXXX I received a letter dated XXXX, showing my complaint as case # XXXX from Dispute Resolution Department of TDBank stating that chip was used for these transactions and since the card was with me all the time, they could do nothing about it and that I was responsible for payment of these transactions.
I called TD Bank # XXXX on XXXX and contested the decision.I assured the Bank time and again that the card was with me all the time and I had never made the three transactions. I was told that they would open this matter again for investigation which would take 60 days.
On on XXXX, I noticed a late fee levied for these transactions.I called Dispute Resolution Department on XXXX again and reported the matter.I was told that my complaint on XXXX was not showing on their system and no action had been taken.My call was transferred to customer service, from customer service I was transferred to Credit card services and then back to Dispute resolution department where I was again told that chip had been used and since I had stated card was with me all the time I was responsible for these transactions.
On XXXX I sent emails to XXXX and XXXX about this matter and that I was being held responsible for these fraudulent transactions and forced to pay.This email was forwarded to Chairmans Service center for TDBank.I received a call from this office from # XXXX on XXXX and was informed that they will look into the matter.
On XXXX I received a call from Chairman Service center, ph # XXXX Informing me again that since chip has been used I am responsible for these transactions In spite of my repeated statements that I had never made these transactions nor anybody else did it on my behalf and the card was all the time with me, the bank refused to accept my statement and I was repeatedly told since I was in possession of the card I was responsible for these fraudulent transactions.I told them that my Bank profile information/ID could have been compromised in the bank, card made and used to make fraudulent transactions in my account.I explained to them that I have been using this card since XX/XX/XXXX and have been paying for transactions on time and without incurring any late fee or fines.
I had no other options left other than approaching CFPB to get this matter solved.
|
| 12/09/2015 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
I filed a CFPB complaint against TD Bank on XXXX XXXX, 2015 -- Case number XXXX. TD Bank 's reply was not at all satisfactory. Aside from the reply 's failure to address the issues I raised in my complaint, it claimed that TD deposited {$30.00} to my account as compensation. However, I never received any such deposit. Therefore, I filed a dispute on XXXX, as a new complaint, Case # XXXX. My new complaint disputed the {$30.00} and repeated many of my original statements, as TD did not address them in its reply. On XXXX XXXX, TD replied simply that it had paid me {$30.00} in XXXX and therefore I was mistaken. I was extremely surprised by this reply, and my response is a XXXX complaint, as follows.
When TD said that they paid {$30.00} into my account, it sounded like they did so in response to my new CFPB complaint about the new XXXX problem which was the tipping point that caused me to file with the CFPB. When I filed my original CFPB complaint, I did know that TD made a {$30.00} credit in XXXX. In fact, in my original complaint, I stated that TD gave me a {$25.00} apology amount ; that XXXX sum was part of that {$30.00} -- - TD paid me {$5.00} in retro-interest plus {$25.00} for my trouble -- totalling {$30.00}. However, that {$30.00} was regarding PRIOR complaints that I made directly to TD before ever contacting the CFPB in XXXX about the new XXXX problem, and as such, when TD said in XXXX that they gave me {$30.00}, I thought that they meant a new {$30.00} to address the new XXXX issue which I described in my original CFPB complaint -- I thought that until their XXXX XXXX reply. As I stated in my XXXX dispute of their initial reply, TD, in XXXX, changed its offered accounts with no notice, so that I no longer had the best interest rate. Please refer to that XXXX complaint for full details. Yes, in my complaint about the new XXXX issue, I did describe all of my prior problems, because, when I reached my tipping point after the XXXX problem occurred, I wanted your Bureau to be aware of the pervasive problems with TD which I fear affect many, many people, and not just me. But TD never addressed the new XXXX problem ; and the Retail Operations Manager, XXXX XXXX, who gave me the {$30.00} in XXXX, never responded to my call about this new XXXX problem -- in spite of his XXXX assurances to me that he was so very much concerned w/ fixing any errors. As I stated more fully on XXXX XXXX, in addition to wanting compensation for me due to the XXXX issue, I want TD to have to publicize the information regarding the new account structure so that all customers who had Relationship Savings will know that it no longer offers the best TD rates.
|
| 01/06/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
On XX/XX/XXXX We received text messages inquiring about a potential fraud charge at a XXXX for over {$300.00}. After responding no we received a phone call immediately pretending to be XXXX bank and advising our acct was compromised. Asking for verification like the username and sending codes via text to confirm identity. This allowed the perpetrator access to our online banking and they wired themselves {$9300.00} plus we were charged a {$25.00} wire fee. The bank who received the funds showed TD Bank in XXXX XXXX and the suspect with the account is XXXX XXXX XXXX. Supposedly XXXX requested 3 times that TD Bank return the fraudulent funds in the amount of {$9300.00}, but TD bank provide any updates and has no phone numbers for whom we can contact and their representatives refuse to speak with me. They advised our bank or detective can contact them on their back Office number that they should know. Neither XXXX XXXX XXXX XXXX XXXX with XXXX XXXX police have any knowledge of this back office number. When I reported the issue on XX/XX/XXXX I was advised by XXXX it would be 3-5 bus days to complete the investigation/funds returned. XXXX called me on XX/XX/XXXX to advise someone would be reaching out to discuss from the fraud wire dept and no one has. The branch says they have done all they can do. Even XXXX the branch manager in XXXX XXXX is complacent to the issue and speaks as if theres nothing they can do. I spoke with TD bank today, and they advised me that XXXX can in fact call their back office and receive information. XXXX at the branch said made a XXXX way call to TD bank with myself on the line and contacted XXXX ( XXXX resolution group ) but they transferred our call and the end result was an automated message with an email to contact with. The email is only for law enforcement-as I emailed and the automated message said it is for law enforcement only. TD Bank refuses to talk to me and wants to talk with XXXX bank regarding this fraud case, however, even XXXX is getting no response. I have filed a police report with XXXX XXXX, Report ID XXXX for the criminal offense but havent been able to get any information about my funds being returned. What poor customer service to leave your customer hung out to dry and callously explain repetitive info that you have as a courtesy already escalated it and have done all they can do. TD Bank should be required to comply when funds have been identified as fraudulent. I have filed also with the FTC report # XXXX and with the FBI ( XXXX ). Please help me recover our funds that were stolen and deposited at TD Bank XXXX A/C XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX : XXXX
|
| 02/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I inadvertently sent two mortgage payments for XX/XX/2022. As soon as I realized my error, I called TD Bank to request a refund of the duplicate payment. Although customer service tried to talk me into letting them hold the money for the XXXX payment, I insisted I wanted a refund. I knew not to trust them when they didn't offer to wire my refund. They are a large financial institution, after all, aren't they? I was told to expect the refund on XX/XX/XXXX. When it didn't arrive, I first checked my account to see if TD Bank had applied my refund to my XXXX payment. They had not so I called TD Bank again to inquire about my refund. Again, customer service tried to talk me into letting them hold the money for the XXXX payment and I made it clear I wanted my money back. I was told it would take 10 days to process. When the check hadn't arrived as promised, I checked my account to see if TD Bank had applied the duplicated payment. My account only showed the payments I had made in XXXX as well as XXXX. I called TD Bank again and was told to expect my refund on XX/XX/XXXX. It is still not here. I will not call them again because it is obvious they are not respecting my request to send to me my money. The amount is {$2100.00}. Their comment about applying a duplicate payment to the next month is false because it assumes everyone has lots of extra money laying around. Also, if they were to apply the duplicate payment to the next month, it would be done early in the month so it would not be late. This incurs another question- why are they holding my money and not applying it to the next month 's payment as they say they will? It is bad enough that I had to pay {$250.00} in bounced check fees! They've had more than 60 days to make this right.
I had had a mortgage with XXXX XXXX with my previous home and they became known as the poster child for fishy mortgages. It looks like TDBANK is a top contender now for this, er, honor. Although I have no idea the number of customers who send duplicate payments in error, it is nothing new, and taking advantage of this is extremely shady. Their online mortgage payment processing system is also convoluted which is also suspect. While waiting for my bank to update it's bill payment system, I used TDBANKS to pay my mortgage. It's cumbersome, convoluted and one has to be routed through a number of customer service numbers to make any changes to mortgage payments. I stay on top of my bills and had forgotten I had initiated my mortgage through the TDBANK system, hence the snafu. I'll register another complaint about their bill pay system if you ask me to.
I appreciate the time you take to look into this.
|
| 07/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I hereby submit a formal complaint against TD Bank, a financial institution operating within the jurisdiction of the Consumer Financial Protection Bureau ( CFPB ), for egregious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq.
On the date of XX/XX/2023, I diligently transmitted a dispute directly to TD Bank via facsimile ( FAX ), and I possess irrefutable evidence, in the form of a confirmation receipt, affirming their receipt of said dispute. To my profound dismay, despite the unequivocal proof of receipt, TD Bank has, in contravention of its statutory obligations, disregarded my dispute, manifesting a complete absence of action in response thereto.
It is my firmly held conviction that TD Bank 's wilful refusal to investigate my dispute and expunge the inaccuracies persisting on my credit history transgresses the tenets of the FCRA. The FCRA mandates that financial institutions undertake good-faith investigations into consumer disputes and take necessary actions to ensure the veracity and precision of consumer credit reporting.
The deleterious ramifications arising from the presence of these erroneous marks on my credit report are not inconsequential, as they have culminated in an adverse impact on my creditworthiness and financial standing. TD Bank 's flagrant negligence in addressing this matter constitutes a pernicious breach of my statutory entitlements as a consumer.
Furthermore, through a series of telephonic engagements with representatives of TD Bank, I have elicited repeated acknowledgments from the aforementioned personnel conceding TD Bank 's culpability in the reporting errors. Regrettably, these verbal admissions have been met with obstinate inaction, and the inaccuracies persist unremedied.
In light of the gravity of this matter, I respectfully beseech the Consumer Financial Protection Bureau to promptly intercede. I implore your esteemed office to undertake a comprehensive investigation into the systemic violations perpetrated by TD Bank and to vigorously enforce the full panoply of remedies and sanctions available under the FCRA.
Your invaluable assistance in effectuating a judicious resolution to this peremptory matter would be an exemplar of the CFPB 's unwavering commitment to safeguarding consumer rights. I earnestly request that I be apprised of the investigative proceedings and ensuing measures employed to address this exigency.
Thank you for your expeditious attention to this momentous issue. I anticipate, with sanguinity, the consummation of an equitable and expeditious resolution to redress the iniquities perpetrated upon me.
And yes, I am an attorney : )
|
| 12/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
My name is XXXX and I am writing in high hopes that you will be able to help resolve a very concerning fraud claim that TD bank has failed to resolve the first time. I filed a claim on XX/XX/XXXX after I had been a victim of fraud. To my utter surprise, my claim was denied. I am disturbed that TD bank would reject a claim that has fraud written all over it and is of no fault of my own. I am also shocked that TD bank would reject this claim during this challenging time in our world and also since I have been a loyal TD customer for years. I submitted a second claim tonight, XX/XX/XXXX and plan to bring evidence ( screenshots of text messages between me and the hacker ) of this fraudulent situation to my local TD branch. Below is an outline of exactly what happened on XX/XX/XXXX.
I received a text message from the TD Bank Fraud protection department asking if I recognized a charge on my card, which I did not. I called TD bank immediately, and as I was calling, received a call from the exact same TD bank XXXX ( XXXX ) XXXX number. Assuming it was fraud checking in with me, I answered. They sent me a verification code via text to ensure it was a TD representative ( with the exact number and wording that TD bank uses ). After this, they promised to reverse the funds that had been taken out of my account and asked me to type Y for yes to verify the " reversal funds to get the stolen money back into my account. Apparently I have been told by the bank that this was done on an app called XXXX and I had no idea what XXXX even is because I have never used or heard of XXXX in my life. Its shocking to me that these transactions have been processed without my authorization and that the bank is not there to protect me. I never at any point authorized anyone, including myself, to use XXXX with this account and was never notified by the bank that XXXX was being used with my account.
The claim was at first denied because I had authorized this transaction, but it is clear that I was a victim of fraud since the hacker had so well impersonated TD bank. I am disappointed and disgusted that XXXX was taken from me and that TD bank claimed that I had willingly verified the charges when in fact I had blatantly been tricked and a victim to fraud due to the exact TD bank phone number and wording of the messages.
TD bank has been awful in helping me resolve this problem - I have gotten little to no support or empathy for the loss of XXXX. I filed a police report and have another claim in, and I am hoping that you will be able to help resolve this case.
I appreciate your time and consideration and look forward to hearing from you.
Warmly, XXXX
|
| 10/12/2023 |
Yes |
- Credit card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Target has tried to deny this dispute despite the fact that on the recorded calls -- I was informed that a check would be mailed to the address on file once the payments have cleared. For this reason I disposed of the prepaid cards which DO NOT accept refunds. In other words, Target went out of their way to send money back to prepaid cards that can not accept credit after the initial load.
The issuing bank can not help as this is not their problem, but rather the issue that Target caused. I was misinformed and misled on several occasions and checked the mail daily for a check. I was told months later that the funds were returned to prepaid debit cards.
If Target does not send a check for the balance of {$22000.00} to the address on file, I will have no choice but to move forward with litigation.
In early 2022, I opened a Target Redcard Credit Card. I was given a credit line that was insufficient for my needs and was told that if I prepaid ahead of charges I would a ) be able to spend more, and b ) would accelerate and increase the likelihood of recieving automatic credit line increases. I made a payment in-store via prepaid debit cards that do not allow credits after activation. My last payment was made in XXXX of XXXX totaling {$22000.00} -- XXXX payments in the amount of {$490.00} per prepaid debit card. The payment was made in-store. Not long after Target called me and informed me that my account was closed for excessive payments, despite the phone rep telling me that it was an approved method for increasing spending power and was viewed as a positive action by the bank. They informed me that they would be refunding the credit balance on the account via a check to the mailing address on file. The prepaid debit cards have been disposed of and they do not accept credits after the initial activation. Months after the incident Target informed me that they decided to return the payments to the original payment method despite them having to go out of the way to do this and process XXXX individual refunds. This is inconsistent with standard practice, both for Target and for the industry standard. After the funds have cleared and the hold period has elapsed, a check is typically issued to the address on file. Target refuses to correct their mistake and says that I need to call the prepaid debit issuer. Target went out of their way to cause this issue, will not even provide proof that the funds were sent, and will not issue the check they had promised to issue as of Saturday XX/XX/2022. The reps claim that this is standard practice in instances where they refund a credit balance on the account, however that is not the case.
|
| 12/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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We received a written Payoff Statement from TD Bank on XX/XX/2020 at XXXX. In reliance on this statement, we refinanced our mortgage and wired the full and final payoff balance plus 4 additional days interest to TD Bank on XX/XX/2020. TD Bank accepted that wire payment. As part of our refinance, the title company collected and paid the XXXX property taxes to the County.
On or about XX/XX/2020 TD Bank called my husband 's cell phone to state it was a collections call for the outstanding balance due on our mortgage. We informed them this must be an error that our mortgage was paid in full in XXXX. This was our first notification by TD Bank.
On XX/XX/2020, we received a letter from TD Bank stating the payoff statement was incorrect. On XX/XX/2020, TD Bank without our authorization withdrew the second half property taxes from our escrow account in excess of the account balance creating an escrow shortage after TD Bank was in receipt of our full and final payoff on XX/XX/XXXX. TD Bank included these escrow funds in a check that was cut to the County on XX/XX/2020. We have no proof of this tax payment and the County has not posted it to our account.
We were never notified of the escrow shortage that TD Bank created after receiving our payoff until the collections calls began on XX/XX/XXXX. In fact, TD Bank had just completed an escrow analysis in XXXX after paying our the first half property taxes in XXXX. TD Bank is now demanding an additional {$2800.00}.
On XX/XX/2020, I spoke to XXXX XXXX who refused to give me his last name ), the supervisor of the loan servicing department, who confirmed that TD Bank received the payoff funds on XX/XX/XXXX. He confirmed that the amount due was caused by TD Bank deducting funds from our escrow account on XX/XX/XXXX. He refused to attempt to contact the County to request a refund of the taxes that TD Bank sent in error and told us we must seek our reimbursement.
TD Bank is not only penalizing, but also causing an undue hardship to the consumer for their own errors and omissions that started with : 1. incorrect escrow analysis ; 2. unwillingness/refusal to apply the payoff wire ; 3. breach of fiduciary duty to cause an escrow shortage after receiving a full & final payoff ; & 4. lack of any notice to the consumer for over 21 days after receiving and holding the Full & Final payoff ; 5. Failure to satisfy the loan when in receipt of the Full & Final payoff amount ; & 6. Placing the consumer in collections and negatively impacting the consumers ' credit due to TD Bank 's refusal to apply the full & final payment.
These are unfair, deceptive and egregious financial business practices.
|
| 03/28/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
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|
Web |
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Please review the information provided and understand that I am a victim of fraud and misrepresentation. I have paid the outstanding amount that was borrowed within the timeframe that was explained to me. Currently, I am experiencing hardship because I am located in a FEMA designated disaster area and I am asking for you to review this interest charge and waive it. My original purchase date was XX/XX/XXXX, when I spoke with the representative at the store I was assured I had exactly 12 billing cycles to pay off the balance before the interest is charged for the year. According to my last statement, the interest was charged on XX/XX/XXXX. My payment due date for the last statement was XX/XX/XXXX. The salesperson at XXXX has engaged in blatant fraud and misrepresentation of your terms and did not provide any documentation as we signed on the pin pad for the agreement. We were told the packet with terms and conditions would be mailed but it was never received.
Given the situation, we were calculating the payments based on the promised 12 statement cycle period. The original purchase was XX/XX/XXXX which was included in the XX/XX/XXXX statement. We paid our XX/XX/XXXX statement in full. The statement had an expiration date for the promotion of XX/XX/XXXX which was 5 days before the end of the statement cycle. The statement did not specify we have to pay the balance before the statement actually ends on the XXXX. We spoke to multiple supervisors who were very rude, including supervisor XXXX ID XXXX regarding this issue and they stated that they did not care about misrepresentation, fraud, or the 12 statement cycles we were promised and did nothing to help rectify this situation. Please understand my predicament, this was a simple mistake based on the information provided by the salesperson and the lack of definitive payment due dates that are missing from your statements. Moreover, a check was mailed to their company on the XXXX of XXXX. I provided TD with the check number and all the details and they are claiming that my check was lost. How convenient for the company to lose my check and charge me 30 % interest. Also to be noted, when I signed up for the card, I was never given, read or provided any disclosures. I also have not received them later in the mail. I had to call the bank and ask for instructions so I may be able to make payments online at least because I didn't even have my account number. Moreover, the bank closed my account unilaterally ( presumably because their partnership with the store ended ) but I was never notified about that until I pulled up my credit report and noticed that the account shows as closed.
|
| 06/21/2016 |
Yes |
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Web |
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Hello, After receiving a credit I requested, I am being told I must still pay the disputed amount to keep my account in good standing. Even though by doing so, I will incur a credit balance. To ultimately get my refund, I must call Target after I 've paid and they 've issued the refund to again request a refund to be issued by a paper check? BACKGROUND : first you need to know I rarely use my Target credit card. However, after receiving a letter that my card would be deactivated if I did n't charge something before a certain date, I made a point to stop at target and buy something because I thought it useful to keep my card active. However, I have moved and since I rarely use the card, the bill was delivered to my previous address. When I actually got the bill it was XXXX XXXX, the day before the due date of XXXX XXXX. After working with Target.com for over an hour on XXXX XXXX, I finally was in a position to pay my bill online, the only means available to me to make the payment on or before the due date, since it was too late to pay by mail, and I could n't get to the nearest Target ( XXXX miles away ) to pay in person the next day. So, I paid my bill online, or so I thought, on XXXX XXXX. The next day, when checking my emails, I realized I did not receive a confirmation of my payment. I checked my bank account and there was no evidence the payment had been made. I logged in to target.com and my payment was NOT noted. So ... .I paid my bill but unfortunately for me it was after XXXX on XXXX XXXX. Today, XXXX XXXX, I received an electronic notification of my target bill and was shocked to see {$26.00} in charges. ( A {$25.00} late fee plus a {$1.00} minimum charge ). I promptly called Target and was told since my account was in good standing, Target would waive the {$26.00} and credit my account. HOWEVER, I WAS TOLD BY THE AGENT AND BY A SUPERVISOR, XXXX, THAT I MUST STILL PAY THE {$26.00} TO KEEP MY ACCOUNT IN GOOD STANDING! I asked why since my bill is not due until XXXX XXXX. Why should I incur a credit balance of {$26.00}? Supervisor XXXX confirmed the charge had already been waived on my account. The answer was I could call back and get a refund check sent to me. Really? It will cost Target more than {$26.00} to take my call and issue a paper check. Please, can you please do something about this. I believe this is a predatory practice so Target can get the funds and reap the benefit of interest earned. If they do this with all their customers, as Supervisor XXXX assured me, then {$26.00} among even XXXX out of XXXX customers can add up to a tidy revenue stream.
Thank you for reading this and listening to my concern.
|
| 03/18/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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Im filing this complain to resolve TD Bank ( TD ) Fraud accusation. I deposited a check for {$5400.00} using TDs ATM on XXXX2019.
The ATM read the {$5400.00} check as {$54.00} and I tried unsuccessfully to correct the mistake at the ATM.
On XX/XX/XXXX when the error was not corrected I called TD customer service around XXXX XXXX ET and spoke with a supervisor who informed me that this error could take 10 businesses days to be corrected because s an investigation needs to be opened. I reluctantly agreed to open the investigation. TD customer service told me that I was at fault for writing XXXX XXXX instead of XXXX XXXX XXXX XXXX TD Customer service also blamed me for not fixing the error while at the ATM.
I then called TD Customer service a second time after realizing that only {$54.00} was deducted from my XXXX XXXX account. I asked TD Customer service to stop ( cancel ) the dispute because I was going to re-issue the check. I spoke with a representative and asked that he cleared the dispute cancelation with his supervisor. Customer service confirmed that dispute was cancelled and his supervisor said it was ok.
On XX/XX/XXXX, a {$5300.00} adjustment was credited to my TD Bank Saving account creating a balance of $ XXXX. I then transferred the {$5400.00} from my Saving to Checking.
On XX/XX/XXXX, TD Bank locked my accounts alleging Fraud.
I am requesting that a TD Manager listen to the calls I had with TD customer service the morning of XXXX19 at approximately XXXX ET and XXXX ET.
If after listening to both calls you conclude that Fraud was committed Ill be glad to close all my TD accounts.
Outside of TD I have the following banking relationships : ( 1 ) XXXX XXXX opened 15yrs ago daily average balance more than $ 45k ( 2 ) XXXX XXXX XXXX opened 36 yrs daily average balance more than $ 5K ( 3 ) XXXX XXXX opened 6 months ago daily average balance more than $ 30K In addition to the above cash balances I have self-manage stock portfolio with XXXX opened 25 yrs balance $ XXXX, XXXX opened 12 yrs ago $ XXXX and XXXX opened 20 yrs ago balance $ XXXX total net worth is well north of {$1.00} million and Im debt free except for a couple rental mortgages.
Funning story, TD has been chasing after me for over a year to open an account. The TD account has an incentive of {$500.00} and the following criteria $ XXXX for saving within 20 days and $ XXXX for the checking with direct deposit.
I am happy to bring my entire bank and investment statements into the TD branch at XXXX XXXX XXXX, but I am not going stand by and have TD criminalized my transactions based on information received from TD customer service on XX/XX/XXXX
|
| 06/08/2018 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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XXXX XXXX Account number : XXXX Vehicle Identification Number : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX TD Auto Finance XXXX XXXX XXXX XXXX, XXXX XXXX Re : Disputing error [ s ] on credit report To whom it may concern, I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report. The report shows I currently owe {$3200.00} and also I have been late of payments from XX/XX/XXXX to XX/XX/XXXX. However the account has been closed since XX/XX/XXXX when was determined a total loss due to damage of car. The company received payments from my insurance company as well as my GAP coverage and all other vehicle contracts payment which is listed in payment history which should have cover the balance of the car. I recently obtained credit report in XX/XX/XXXX and discovered the company had a balance of {$3100.00} and late payments from XX/XX/XXXX to XX/XX/XXXX payment status charge-off. I was aware the company received payments from all insurance companies and believed account was paid in good standing. Once I reached out to the company and disputed the issue with all three credit consumers in XX/XX/XXXX to fix errors XXXX XXXX XXXX stated the balance was incorrect and requested time to fix error but stated they did not have to reach out to me about any balance been owed however that would have help the situation if company communicated before adding late payments and incorrect balances to my credit. After the dispute I received my updated balance which is {$910.00} XX/XX/XXXX. I reached out to company once again to ask why did they update the balance to {$3200.00} and also the late payments from XX/XX/XXXX to XX/XX/XXXX on my credit report. The company stated the balance of {$910.00} need to be paid before updating my credit report but have once again updated false information as you can see in XX/XX/XXXX and the credit reports giving. I will like the information removed immediately from my credit report which is making it hard for me to open other lines of credit. This matter should have been handled with better judgment and I know the account has been updated but not correctly. I have never missed a payment and should have received a letter months ago pertaining this matter.
I have attached both copies of my report with the accounts from XX/XX/XXXX and XX/XX/XXXX it shows they did not update it to the correct balance also they added more money to balance and more late charges. The payment history I obtained from company. Also the only letter I received from the company this year regarding the balance.
Thank you for your assistance.
Sincerely, XXXX XXXX
|
| 08/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
|
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TDBank 's loan servicing process and supporting systems are inadequate. My spouse and I regularly make additional principal payments on our mortgage, which is allowed with no penalty for our mortgage type. TDBank 's IT systems do not allow one to pay down additional principal online. Every month, we must instead follow a two-step process : 1 ) Submit the extra principal payment through the company 's separate 'payments site ' ( as extra principal payments can not be completed through the regular Online Banking website which we log into to view our account ). This money is then routed to an " unallocated account. '' 2 ) Follow up with a phone call to TDBank 's customer service to request the unalllocated amount to be applied to pay down principal on our mortgage.
This cumbersome two-step process can take up to 2 hours per one extra principal payment. For example, I called in on XXXX at XXXX and was on hold for 1 hour and 15 minutes to speak with someone to allocate a principal payment I made that day. I finally reached the agent, only to be told the payment hadn't settled yet and so they could not allocate my payment to principal yet. We make extra principal payments at least one time in every month, so you can do the math on how many hours it would take to make ~360 extra principal payments over the course of a 30-year mortgage.
Every other bank in the U.S. we have had a mortgage with has had an option to pay down extra principal on their regular Online Banking platform. The fact that TDBank does not offer this through Online Banking appears to be an intentional attempt to make it difficult for customers to pay down extra principal in order to boost TDBank 's bottom line ( i.e. because they are not earning interest on Prepayments ). It is a known issue at the organization, as every customer service agent I have spoken to each month apologetically explains that I need to call in each month to have them allocate my extra principal payment, and that there is no streamlined process to be able to do this more efficiently considering it will be a regular occurrence. We also requested the ability to pay bi-weekly, and were told no.
We initiated our mortgage with a different bank, and our mortgage was subsequently sold to TD Bank. TD Bank 's loan servicing is so unacceptable that my spouse and I are considering refinancing at a new bank just to be able to pay down our mortgage at our own schedule and convenience. We know that refinancing would result in extra costs incurred for the transaction, but we do not have time to spare to battle TD Bank 's intentionally cumbersome process every month until our mortgage is paid off.
|
| 01/04/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
|
|
I am required to have {$100.00} in my TD checking account in order to avoid being charged a {$14.00} maintenance fee.
On XX/XX/XXXX my account went down to {$38.00} due to a transfer of funds. On XX/XX/XXXX, I transferred {$70.00} to the checking account to put the balance over the {$100.00} threshold. After this transfer, TD Bank charged me a {$14.00} maintenance fee for the previous month which, again, brought my balance below {$100.00}. I subsequently added {$1600.00} the account on XX/XX/XXXX.
On XX/XX/XXXX I transferred funds from this checking account to another bank, leaving a balance of {$100.00}. On XX/XX/XXXX I was charged another {$14.00} maintenance fee which brought my account balance to {$86.00}.
I spoke with a representative at TD Bank on XX/XX/XXXX and explained that the reason my account dropped below {$100.00} in XXXX is because they took the fee out after I made a deposit and never notified me that they were charging me a fee or when it would be charged.
I simply wanted the {$14.00} maintenance fee from XX/XX/XXXX refunded, since the bank is the one that took money out of the account to bring it below the {$100.00} threshold. I was told the maintenance fee can't be refunded and they can only refund over draft fees. In addition, I was told that I would be charged another {$14.00} fee in XX/XX/XXXX because the {$14.00} fee that was taken out on XX/XX/XXXX brought my account balance below the {$100.00} threshold again.
I feel this is unfair and deceptive. If TD Bank would have notified me that a few was coming, I would have simply left an additional {$14.00} in the account back in XXXX in order to stay over the {$100.00} threshold. Instead, they chose to keep me in the dark about the fee. This resulted in them causing my account to go below {$100.00} on 3 separate occasions instead of just once.
Unfortunately, I will now be held responsible for paying TD Bank {$42.00} worth of fees ( {$14.00} XX/XX/XXXX, {$14.00} XX/XX/XXXX and {$14.00} XX/XX/XXXX ) instead of them just notifying me of a pending {$14.00} fee.
I feel these maintenance fees are designed to prey on customers and create a snowball effect bank charges. Why did the original maintenance fee of {$14.00} on XX/XX/XXXX get processed after I made a deposit instead of before I made the deposit? Why would TD Bank wait until the end of the day to process {$14.00} maintenance fee? Additionally, Why didn't anyone notify me that I was being charged a fee or that my account balance was under {$100.00} After 12+ years of doing business with TD Bank , it's a shame to realize that they are still predatory in some areas of their operations.
|
| 02/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I had not used my Nordstrom credit card in a long time and in fact had misplaced it. I called to have a replacement card sent and waited for it to arrive. It never did. I called once again and requested a replacement and it finally arrived. The automated service was painful to navigate.
I made purchases with my card. I called to activate my card and to activate XXXX XXXX. I asked about setting up auto pay and was told I had to do that through the website online and was given the website address.
XX/XX/XXXX - I set up auto pay and made a payment for the full balance ( {$38.00} ) on my account through the website.
I received the first billing statement dated XX/XX/XXXX for {$210.00} and there was a late payment posted along with a late payment fee ( interest charged {$3.00} ). Of note, the statement showed that a payment for {$38.00} was made. I then also received two letters by regular mail, both dated XX/XX/XXXX notifying me that my payment was declined and that I was unenrolled from auto pay.
I called customer support to try to resolve this and was informed that my telephone number was listed as unreachable. I made a payment for the full balance of {$280.00} ( numbers dont add up ) on XX/XX/XXXX through the website and reenrolled in auto pay after confirming that my bank information is correct.
Next billing statement on XX/XX/XXXX, the payments were declined and interest charged at {$4.00}. Attempts at resolving this over the phone failed. I was told I had to go to a store to make the payment. I returned some of my purchases and called to see if balance had XXXX. Then I was told I can pay the balance remaining over the phone. I paid using a debit card and requested my account be closed completely as I did not want to go through this every billing cycle.
I applied for a credit card through XXXX on XX/XX/XXXX and was informed that Nordstrom had reported that I made a late payment so my application was declined.
Multiple attempts with Nordstrom to have them delete this from my credit report failed. They said the reporting is accurate and that they tried to collect payment from my bank and failed. I informed them that no such attempts were made through my bank and asked them to provide proof of them trying to collect, they could not provide proof. They could also not provide proof that my bank information was incorrect.
I feel it is unfair for me to be penalized and my credit damaged by a company that has a malfunctioning payment system that engages in fraudulent charging of late payment fees and malicious and vindictive behavior toward consumers who choose to terminate their financial relation with them.
|
| 11/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This is bits and piece from all the years we have owned our home. My wife and I have been trying to find out why we owed escrow and refused to pay it until they could tell me what it is for. We received one notification from their lawyer after I requested that they help us get in touch with someone. Instead we got a notification that we never received from the TD Bank and still had no answers. I tried calling again and still one person said we owe nothing and another said we owe it but can't tell me why. I spoke to a manager who still could not tell me what they paid and when they paid it and the amount. I told the manager if they could not give me an answer I was not going to pay it. They did this immediately after giving us a modification. You would think they would look into this an call back. Instead we got the harassing phone calls about us owing money and we need to pay it. I would tell them when they called that I wasn't going to pay until we know what it was for. They have yet again put us behind because we are not going to pay for something that we don't know what it is for and as of XXXX they have started to refuse the agreed amount in the modification, because we did continue to pay that amount. Now we are being offered a recast but they included my taxes and insurance which we did not request nor want. They have destroyed my credit even more yet again when all I was doing was trying to get back on track. And just recently they sent me XXXX different individuals information and someone mine. We are overall not happy with TD Bank and just want to get away from them as soon as we possibly can, which is all we have been trying to do since we bought our home in XXXXXXXX. We requested XXXX and death insurance on the mortgage and when we noticed we said something within a few weeks of signing we went and saw the loan officer and she said you never said that and there is nothing that we can do about it. And guess what 6 months later I became XXXX and that is when all the more problems started with TD Bank because I was the sole provider for my family. I have tried seeking a lawyer but have not had any luck, so we have been stuck in this repeated circle with TD Bank. I would like someone to schedule a time and day with us to come to our house and discuss everything with us so we can not keep having these issues and we can build our credit and get away from this nightmare of a bank. There are many more issues within this bank because none of this is a first time for us alone. Like I said there is more but I don't have the time to write about all of it. Especially how some of their employees treat costumers.
|
| 03/16/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have always made my payment through their phone payment system, selecting to use the last account on file.
I recently chose to use the online version to pay the bill. It gave me the same option to use the last account on file to pay the bill. I did so.
Four days after I authorized this payment the returned and said the account was invalid and it was returned.
Upon calling I was informed that the account was found invalid and a fee was charged. The fee was unable to be waived as it is a customer driven website. That no changes could be made to the page except from the customer.
When asking to speak to a manager to this regard, as I didn't enter any account information, I was transferred to XXXX. According to him reference ID XXXX. He answered the phone extremely aggressively and disrespectfully. Instead of trying to assist me, he only tried to show why I was wrong, instead of showing me why this happened or for that matter what even happened.
Then when I started asking questioned, he admitted the account in question had been deleted, once it was returned. Meaning the account that is only 'customer driven ' does have effecting factors outside of the customer. I was asking to see when that account had been added, which he responded the system deleted it. I said I wanted to see how it was an an option that I could select, if I hadn't entered it. His response was he provided sufficient proof and the charge was valid. When he didn't provide any proof.
When I asked why it didn't use the account I used last, he stated that the phone and the online systems are different. How am I supposed to know that as a customer that they have multiple systems just to handle my personal account. They are all simply my account.
Then he chose to end the call instead of explaining this to me.
On a separate note, he kept referring to me as a customer, instead of a guest, which I thought was their whole mantra.
So I feel this is a gross negligence of the Fair Credit Billing Act ( FCBA ) https : //www.ftc.gov/sites/default/files/fcb.pdf. As they are charging me a fee without showing me how this happened or justifiable proof how it happened. I asked for them to show me the account in question, instead only offering the last three digits. I asked for them to show me when an account other then the one I used on the phone service was added to their online platform, and was refused this. I simply selected to use the previous payment method, which is the same process I use on their phone service, and now not only are they refusing to take my payment to that end, they are also hitting me with a fee, that was caused by their system.
|
| 01/31/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I opened a TD Premier Checking account XX/XX/XXXX, enticed by the {$300.00} sign-up bonus. I met all the terms, specifically the {$2500.00} in direct deposit within 60 days of opening the account. The fine print indicated that I could expect my bonus 95 days after opening the account.
95 days passed, and the bonus never arrived. I ended up calling four times over the course of a month, and was given inconsistent answers each time.
The first representative told me that the 95 days began after I met the terms. I corrected her, and pointed out that it was in fact 95 days after the account was opened. She acknowledged the mistake after reading the fine print, and said she would seek an answer. Weeks went by and I never heard back.
I called again, and this representative told me I had n't received the bonus because I was n't considered a new customer, which is who the offer was available to. I had trouble with the website when starting my account, thinking my requests had n't gone through. This resulted in me errantly starting XXXX accounts. I immediately closed XXXX of them, but apparently this led to me not being classified as a new customer. The representative acknowledged that this should not prevent me from receiving the bonus, and that she should be able to explain the issue to a superior. She said she would send a detailed e-mail on my behalf.
A couple more weeks went by, and the bonus still did n't appear. I spoke to yet another representative, who apologized for me having to explain the matter to so many people. She said she would attach a note to my account, and seek resolution.
Alas, the next day, I was contacted by another representative, who told me that he had been informed by whoever had the authority to make such a decision that I would not receive the bonus at all because apparently I signed up for the account at a time when the offer was n't available.
This is utter nonsense. The offer was being advertised all over various personal finance websites XX/XX/XXXX. No specific timetable was provided. The offer was clearly outlined on the TD Bank website. I was careful to read the fine print and understand the details and terms. Also, if the offer was n't available at the time, a customer service representative would almost certainly have informed me of this during my previous calls.
This bonus should not be advertised if the terms will not be honored. It is a deceptive way to attract new business. I am angry that I spent any time opening an account with TD Bank, and dedicated effort towards re-establishing my direct deposit destinations, for the ultimate result of a slap in the face.
|
| 03/12/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
Servicemember |
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T.D. Bank Credit Card from Raymour and Flanigan approved a credit card with a limit of {$8000.00} in XX/XX/XXXX, since than I have made multiple purchases and payments. The payments that I have made have been over the minimum payments. I made 2 purchases on XX/XX/XXXX. I made a payment of {$170.00}. a few days late on the month of XXXX my payment was due XX/XX/XXXX, and I made the payment late XX/XX/XXXX. Then I made a payment in XX/XX/XXXX, for {$2300.00} only owing {$400.00}. and still leaving me a limit of {$8000.00} dollars when I checked my account. The bedroom that I purchased on XX/XX/XXXX was being delivered today XX/XX/XXXX. The purchase went through just fine on XXXX. Raymour and Flanigan checked Friday XX/XX/XXXX to ensure that the bedroom set can be put on my credit where I still had the {$8000.00} dollar limit. Allowing me to receive my delivery today. Today, Saturday XX/XX/XXXX, they reduced my credit limit {$2700.00} this morning. The bedroom delivered today I had to have the deliverers put all the furniture back on the truck and take it back because than I would have been over the credit limit and TD Bank 's credit card would have charged me fees for being over their limit that they reduced today. I called and spoke to the Supervisor XXXX Title : Lead, Agent ID : XXXX at T.D. Bank who kept stating that they reduced because of my second late payment in 11 months but if that was the case, " Why didn't they reduce my limit in XXXX '' it was reduced XX/XX/XXXX the day of the delivery of the bedroom items that would have pushed me over their limit. They did not inform me they didn't give me a 45 day notice, there was no email sent or letter. When I stated to XXXX the Lead to close this credit card for their atrocious conduct with consumers he hung the phone on me. I will pay the {$400.00} dollars that I owe and close this credit card even if my credit score takes a hit. I do not want to do business with a company who intentionally does this without informing their clients. Although, I may had two late payments in XX/XX/XXXX, and XX/XX/XXXX, this are two different years I still made huge payments a few days later. This was during a pandemic and my payment was due XX/XX/XXXX, and I made a {$3000.00} payment XX/XX/XXXX. The payments weren't a month late they were days late. I asked the lead why I wasn't informed that I needed a 45 day notice before my items were being delivered that my limit being reduced the day of was wrong, He stated and I quote " You didn't inform us that you were going to have late payments when you applied for our credit card, did you? '' which was inappropriate and wrong.
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| 06/27/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Cashing a check
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Web |
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On XX/XX/2021 I received a XXXX dollar fraudulent check to be a " secret shopper '' for XXXX. I was under the impression this check was valid. The assignment was to buy gift cards with XXXX and keep XXXX. The gift cards were meant for my " next assignment ''. I went to the bank to deposit the check through a teller. The " secret shopper '' assignment claimed to have a time limit in order to receive a bonus for my efforts. I asked the bank if the check was able to go through sooner than later due to this assignment, also explaining the assignment and showing the documents I have received. The bank explained to me that it would take XXXX days at most to go through because the check needed to be under review to make sure the funds were actually available since I did not have the funds in my account to match the check in the case that the check bounces. I called customer service to have them explain this to me in further detail, I did not get upset with the bank knowing that they we're just making sure my money was secure, or so I was under the impression. The check went through the next morning and I was able to purchase the first XXXX dollar gift card in which I was supposed to send pictures to " XXXX '' which was the scammer. the next day I went to complete my assignment and noticed that my account was negative the XXXX I spent on the gift card. I called my bank and they informed me this was a fraudulent check. I visited my bank ( TD Bank ) to see how we can resolve this issue and the bank explained to me it was my responsibility for giving them this check although this is a known scam. The bank told me to try and get the gift card returned, which was not possible and the funds have been used by the scammer. I went back to the bank and I explained that I was under the impression this check would not be deposited into my account unless it was proven to be valid prior. This man kept repeating that if my cousin gave me a check to deposit and said he would pay me for it that it would be sketchy. This however was not my cousin, this was scammer who has made me a victim of fraud. I was told I have 30 days to resolve the issue before it was sent to collections, yet I am not the one who released the money to myself, the bank gave me money that didn't exist and put me under the impression that it would exist before giving it to me. Banks were put in place to keep our money safe, and now I have been compromised of money that I don't have to begin with. I do not have a credit card for this reason, I have a debit card in which I am not supposed to be paying back because it is used for money I already have.
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| 06/23/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I opened a TD bank account with two of my stimulus checks while I was in a XXXX program at the time I made account witch was on XX/XX/2021 not long after that I was able to have my visit with my son so once a week on Tuesdays I would have my son 's father oder me an XXXX with my card after my third visit someone hacked into one of three thing his cell phone our wifi or stolen my online information and got into all my accounts was making purchases wier transfers ect with my card but my bank card was in a safe locked up by staff my son 's father I them to him once and he deleted the information right away he said so I completed XX/XX/2021 after a 90 day program and returned home where my paper statements were sent to none were opened On the sometime that week I took XXXX out for rent and back rent not a problem Im doing my classes for the courts and all the sudden when Im about to complete them someone locks me out all my accounts I went through about 33-50 email address as soon as I got one they would steal it and lock me out so I finally get back into my account after a month or so I had emails and complaints filed against me foXXXX XXXX XXXX and a bunch others FYI ( I don't have a license I haven't since I was XXXX ) So now someone has my identity and changed my mailing address to obtain my identity credentials so I get my statement and I go up to TD and say something about XXXX so the gave me back the XXXX that was taken from my account so I get my next statement in I start going through everything I see all together someone yet again after I put a extra security lock on it stole close to XXXX my son 's father was XXXX since he was on the account to now that someone could just take our money and TD said there was no signs of theft but this person made two online accounts and after we locked the account down TD refused to reimburse us now this is two years later and after doing my own research it seems to be published in a law news paper the same person who paid my son 's bail has a relative or sibling who works for the TD bank the real estate department I could have really used that money to afford a real lawyer for my case now I just want justice with it because for close to almost 4 years now this person has targeted me and yet nothing has been done about it the only reason I can see is either she has money or she is an ex girlfriend of my son 's father who had it out for me I'm an American us citizen a XXXX XXXX and just trying to get my life back in order from the mistakes I've made in the past because I tried my life around for my son I'm being set up for something I never did
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| 09/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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Hello, I have a XXXX credit card with TD Bank which had over {$2300.00} in fraudulent charges. I reported this fraud over the phone ( several times ) and was told on two occasions and told I would have to wait 90 days to get a response. The employees did not inform me that waiting 90 days for a response would eliminate my protections under federal law as any disputes must be made in writing within 60 days. It has been 27 days since I reported the fraud and I have yet to receive a case number.
As such, I sent a certified letter disputing the charges, as the pattern of behavior seems to be to delay investigating such charges until I lose my right to be protected under federal law. It has been extremely hard to even contact anyone at the bank due to multiple hour hold times, I have been hung up on several times, and have had no luck getting in touch with someone who can address my concerns or provide me even with a case number. They do not show the charges as disputed in writing online or in any letter, nearly a month after reporting via the telephone.
I believe that TD Bank is intentionally telling customers to wait 90 days via in order to ensure that a customer loses their federal protections against credit card fraud. This is pattern of behavior I have witnessed among their agents. They do not inform the customer who is calling on the phone that TD Bank has a policy that they do not have to take action on complaints made via telephone, and under federal law the customer has only 60 days after receiving their statement where they can file a written claim. They KNOW that a customer will lose all rights under the law and cardholder agreement to dispute fraudulent charges should the bank not launch an investigation or not find an outcome in their favor.
Additionally, TD Bank ( and XXXX ) engage in deceptive advertising, saying that customers have " zero liability '' and that charges are refunded in **five** business days. In the fine print, this five day policy is discretionary. Visa and TD Bank also fail to inform consumers that they lose their protections against fraudulent charges under the law if they do not submit a written claim and only file a claim on the phone.
I suggest the CFPB investigate these practices, I suspect that TD Bank uses this tactic to avoid their responsiblity to cover fraudulent charges under the law. There is nothing I can do as a single customer, but I have seen other reports of this behavior online. I hope that my complaint spurs some action into forcing more transparency and faster response times for card holders who have been the victim of fraud.
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| 11/07/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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This is a second related filing to XXXX, in which I listed XXXX XXXX XXXX as the involved bank.
This complaint is about TD Bank 's role in the same matter, and the requests I have of TD Bank.
1. On Monday, XX/XX/2019, I received a check from XXXX XXXX XXXX in the amount of XXXX dollars, representing a refund check for student financial aid due unto me. The check was drawn on TD Bank. 2. I deposited the check to my personal checking account at XXXX XXXX XXXX, using the mobile app. 3. The app stated that there would be a standard hold, and that the funds would be available the following morning. 4. Looking later online, there was contradictory information stating that the hold would be until Wednesday, XX/XX/XXXX, at XXXX XXXX. - yesterday. 5. The funds were made available at around XXXX XXXX. 6. I paid several bills at that time, and scheduled several additional bill payments to post to the account. 7. At around XXXX XXXX. yesterday, I became aware that the funds had been debited off of my account, leaving my account with a negative balance of apx. seven hundred dollars. 8. I called XXXX. The agent, and a supervisor ( XXXX - ID # XXXX ), stated the funds were being returned, but that the reason why would not be available until the following morning, and that I could call at XXXX XXXX. 9. I called at XXXX XXXX. but the line for agents was not open. 10. At XXXX XXXX., I spoke with XXXX ( ID XXXX ) and a supervisor ( XXXX ) who stated that a " stop payment '' had been placed on the check by TD Bank on behalf of XXXX XXXX XXXX. 11. I then called a TD Bank branch, XXXX XXXX, Vermont, branch, and spoke with XXXX. XXXX stated that there was no stop payment for that check or for that amount. 12. It is troubling that XXXX says there was a stop payment, but TD Bank says there wasn't a stop payment. 13. I left an urgent voicemail for XXXX XXXX at XXXX XXXX XXXX corporate office, but have not received a reply as of this time. 14. XXXX XXXX XXXX sent me replacement funds via wire transfer at around XXXX XXXX. today. 15. XXXX XXXX, TD Bank branch manager, called me later in the afternoon. She said she could not provide any information about the check, including whether it had even been rejected by TD Bank or whether there was a stop payment. 16. Consumers who receive bad checks, or allegedly bad checks, should have some rights to find out what is really going on. I should not be told contradictory things by two different banks and then the second bank refuses to talk about it. I should have some rights to information, and there should be a process to provide consumers with that information.
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| 06/05/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
Older American |
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I previously placed an extended fraud alert on my credit file with the three national credit bureaus because I was the victim of identity fraud. On XX/XX/2020 I applied online to purchase a new XXXX XXXX phone from XXXX. They redirected me to TD Bank 's website which handles their credit. I applied for credit with TD bank and was told to call a telephone number which I did. I spoke to a TD Bank representative who asked me a few questions and then indicated that my request for credit was denied and I would receive a letter in a few days. I received the letter around XX/XX/2020 and I am uploading it with this complaint. The letter indicated that I should call or apply online for another letter which would explain why my application was denied. I applied for this second letter ( the " denial reason letter '' ) both in writing via email and by calling the toll free number in the first letter. I did that on XX/XX/2020, the same day I received the first letter. I've called now at least four times and the representative keeps saying that they'll investigate and get back to me but I've never received any return call from them. I spoke to a supervisor who said that because of my extended fraud alert, they use some outside service, whose name she would not disclose to provide information that they use to determine whether or not to grant credit and that, based on the information from this secret outside service, they chose to deny credit. I believe that the information that this secret service provided falls under the definition of " consumer report '' as defined in 15 USC 1681a ( d ) ( 1 ) since it is information " bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility '' for personal credit. I believe, therefore, that this secret organization falls under the definition of " consumer reporting agency '' as defined in 15 USC 1681a ( f ). This secret organization obviously has incorrect information but I don't know who they are so I can't help them correct the misinformation. I believe that I am entitled to know who they are under 15 USC 1681m ( a ) ( 3 ) ( A ). In addition, I am entitled to receive the information required 15 USC 1681m ( b ) ( 2 ) ( A ) ( I ) if the secret organization is deemed by you not to be a consumer reporting agency. I have literally spent hours on the phone with TD Bank but no one will answer my questions or call me back.
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| 04/23/2015 |
Yes |
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Web |
Older American, Servicemember |
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My wife always pays the bills online and at least XXXX month inadvance. lets just start in XX/XX/XXXX. This was already paid onXX/XX/XXXX, then XXXX was paid on XX/XX/XXXX, then XXXX waspaid on XX/XX/XXXX, Then XXXX was paid on XX/XX/XXXX, then XX/XX/XXXXwas paid on XX/XX/XXXX, and finally XXXX was paid XX/XX/XXXX. Then XXXXI received a bill with a due date of XXXX XXXX that included a late feefee for XX/XX/XXXX of {$25.00}. As you can see, this charge should'NEVER ' have been applied because my wife was not just XXXX ahead of payments but several months. I dounderstand that sometimes computer billing systems maynot understand payments made in advance so I calledcustomer service and asked to speak to a supervisor andwas handled by XXXX. She saw the advanced paymentsyet she said she would not remove the late fee. This fee isactually a fee for paying early!! ABSURD!!! I want this XXXX not " waived as a courtesy '' as smugly as XXXX stated, but I want it removed because a fee for early paymentshould never happen. XXXX calls it a late fee, I call it beingpunished for paying early. XXXX also claims that a '' courtesy '' waiver '' was already issued on the very XXXXpayment. This should never have happened either. XXXX Jewelers said we would be billed in XXXX days butinstead we were billed immediately. When my wife noticedshe may be late if she paid online because it was alreadythe day of the due date, she went directly to XXXX XXXX and paipaid it with assurance that your firm would be called and the billbill be posted as paid on time. My wife listened XXXX on thephone to make sure things were taken care of. XXXX is nowstating that this constituted a " waiver '' for a late payment.
Once again this was paid on time, albeit the same day due, but every payment since then was paid in advance!! At notime was our account EVER late!!! I want this {$25.00} fee takenoff of my bill, not as a courtesy but because it does n't belongthere in the XXXX place and neither was the XXXX incident. I alsowant XXXX taken aside and retrained in handling customers.
She ended the call with a 'smug ' " Is there anything ELSE Ican help you with ''? XXXX did n't help me at all. She alsowould n't give me her bosses name or number in order for meto climb up the chain of command. XXXX stated that shehad the last word. Does XXXX run your firm or does sheanswer to someone else? If she does answer to someoneelse which I know she does, she needs to be made aware ofthis. Customers are owed satisfaction not insults!! Rescindthis late fee immediately or I will take further legal action.
A very dissatisfied customer!!!
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| 04/28/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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I wrote a check to my roommate to cover my rent for the upcoming month. I dated the check for the date that my paycheck would be in my account. I have done this countless times before and never had an issue. The check was dated for XXXX XXXX. On XXXX XXXX, 2016, TD Bank ( the bank my check was from ) allowed the check to be cashed. That in turn caused my bank account to be overdrawn by nearly {$900.00}. When I contacted TD Bank to ask why they would allow a check that was post dated to be cashed, I was told that they " do n't really look at the date on the check ''. Since when?!? I asked to speak to a manger and was told again that they do not even look at the date on the check anymore. And that " in this day and age, the date on the check does n't matter ''. The manager then explained that if I write a check to someone, they have up to 364 days after the date on the check to cash it ... So, they pay attention to the date in case the check is old, but do n't care if the date on the check has n't even occurred yet. How are you going to rationalize telling me the date matters if it is past 1 year after the check was issued, but that if it is prior to that date, you do n't care as a bank? I explained that because of this issue, I now did n't even have the money to get home from work that day. The manager then explained that I should know better than to post date a check and that I should not do it in the future. Overall, it was a very unsatisfactory customer service experience. They however were 'kind ' enough to reverse the {$35.00} overdraft fee that had occurred due to them cashing the check before the date on it.
Today, XXXX XXXX, 2016, I looked at my bank balance and there was an additional {$70.00} that had been taken out of my account. {$35.00} for the account being over drawn ( I do n't get paid till Friday XXXX, XXXX that is why the check was dated for that day ), then, because that {$35.00} overdraft fee came from an account that was overdrawn, they charged an ADDITIONAL {$35.00}. I called the bank and had a very pleasant young lady who reversed the {$70.00} charge and also told me that she agrees with me that it is terrible business to allow a check to clear two days prior to the date that was on the check. I have had checks from government agencies and no bank will cash that check till the date on said check. But, because I am just little old me, somehow it does n't matter.
It is really a shame too, I used to sing TD bank 's praises, but they have really done down hill. And they have lost a customer in me, along with every person I can convince to leave this bank.
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| 10/20/2018 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem accessing account
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Web |
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I have accounts with TD Bank. My account online access was locked at the end of XXXX due to some suspicious activity -- I attempted to transfer money to my self at some IP address in Massachusetts. My complaint is why this issue can not be resolved even near the end of XXXX.
The online access was locked by Fraud Department. I have contacted the department and TD customer services many times. Here is a list of details that I can remember : * TD customer service provided me the phone number of the fraud department. I contacted the department well over a dozen times. I could never reach any person there. I always left a message to get call back. Initially I did get call back. But recently, I don't even get call back. Sometimes the answering machine was full I could not even leave a message.
* I got callbacks from Fraud Dept several times. Here is the list of instructions and results : 1 ) First she ( the person in Fraud Dept ) asked me to go to local branch and from the local branch to contact her ( not sure why it must be this complicated ). So I went to local branch ( in XXXX ). But the local branch could not reach the person. I came back and left message to Fraud Dept, who called me back saying she was in office at that time. She suggested the local branch may not use the right method to find her. As a customer, I have no idea how TD Bank contact each other. Why is it my responsibility to connect your guys internally?
2 ) Later, I got her call back again ( after I left many messages ). I was told I could go to local branch and start a new TD account and transfer all existing accounts over. So I did that. However, the local branch said the lock was placed on my name and SSN. Unless I change my name, I could not open a new account. So that trip resulted no solutions.
3 ) Since then, I attempted to contact Fraud Dept but never got any call-backs. I have spent many hours with Fraud Dept ( each branch visit required me to take work hours off since Fraud Dept only works from 9-4? weekdays ).
* My contacts with customer support : I have called many times ( 20? ) The good news is that I could always speak to someone. The bad news is that they can not do anything about it. They said Fraud Dept is above them.
* My contacts with local branches : As mentioned above, they could not do anything either.
In summary, the Fraud Dept at TD Bank is a self kingdom nobody can touch. And they simply don't respond to customers. What options do I have? After nearly five months, my account online access is still locked. I have no choices but to go outside TD Bank to seek a solution.
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| 03/08/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I opened an new account at TD Bank about a month ago. I deposited my paper check which was issued because I changed TD Bank to be my direct deposit bank through my job because of convenience ( well I thought ). Well that check was deposited Saturday, XX/XX/XXXX. I called and spoke with a gentleman with TD bank and asked when I would have access to my funds if I deposited my check and I even addressed to him that I just opened this account and he not once mentioned anything about a 10 day hold. So I deposited it and in thinking my check would be good in at most 2-3 days since it was a weekend. Up to this date my funds are still on hold and just like anyone else I have a family that I am responsible for cant buy groceries, pay my bills or even get gas for my transportation. So with all this and the fees accrued {$70.00} from the bank for not releasing my funds because I was under assumption it would be so I used my card to immediately get XXXX dollars ( because the same gentleman that I spoke with via phone call about depositing my check said I would have access to the XXXX dollars ) after deposit and fueled my vehicle. I think this is a very unprofessional and misleading bank they never spoke of this once while I was on the phone opening my account or the day that I deposited my check. The teller at the banks are not friendly at all, they treated me like my business was second class. I just want access to my funds. My personal bills have accumulated fees because of this. Due to the situation we are currently under no person should be put through something like this. The first time I went into one of the banks the teller told me she would call me and never did, that was Monday, XX/XX/XXXX. And that teller even verified that day with my companys bank that the check was legitimate. Then this morning XX/XX/XXXX I went to the same bank thinking they would have a record of the check clearing and she gave me the same song and dance I will call you after I verify the check with the bank! I mean this is ridiculous, how is a person supposed to feel after this. My family, my living and even no consideration of my situation of even caring about it. This bank needs to be more transparent about fees, holds, and everything. I would like the monies that has already been deducted from my supposedly held funds that they are taking and they sure didnt have any problem deducting those monies from my deposit. I wish I had NOT opened an account with this bank, seems like they are in business to take peoples money and I dont want them to do what theyve done to me happen to anybody else!
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| 12/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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On XXXX XXXX, XXXX I filed a dispute about a charge I did not make on my TD Bank credit card. The charge was by XXXX XXXX XXXX on XX/XX/XXXX for {$65.00}. I also attempted to contact XXXX XXXX XXXX at the phone number that appeared besides the charge XXXX but it said the number was not in service. So I looked up XXXX XXXX XXXXXXXX online and could not find a local place to call. Instead I noticed there were numerous complaints filed on the XXXX XXXX XXXX website.
On XX/XX/XXXX the bank wrote to me asking for either " a copy of the credit receipt '' or " written documentation stating that the disputed transaction is to be credited to my account. '' I had just returned from a vacation and I did not open this mail until XX/XX/XXXX and tried to call but the dispute department was closed for the weekend. Over the weekend I attempted to send a fax 2 times, but there was " no answer. '' So I called first thing in the morning on Monday, XX/XX/XXXX and spoke to a " XXXX '' to ask " How could I provide these things when I had no idea how to contact the vendor? '' I told her I could send a letter stating that I did not make or authorize the charge. I tried to fax the letter 4 more times to 2 different numbers XXXX provided, but the faxes would not go through. I also went to a local XXXX bank and asked them to fax for me. They told me it did say " Fax sent '' on their computer, but they could not provide me with a printed receipt ( since it was all electronic ) but they showed it to me onscreen. Plus ( as a backup ) I mailed the letter on XX/XX/XXXX, and asked to speak to a supervisor to make sure it would be accepted. XXXX told me a supervisor would get back to me. Later that day I called and reached XXXX to tell her I had not heard from the supervisor. She said to be patient. When no one called me after 24 hours, I called back and spoke to " XXXX '' on XX/XX/XXXX. I asked if TD received my fax and she said faxes take 24 hours to process. When I told her it had already been 24 hours, she said it was not in my file. I told her I was supposed to get a call back from a supervisor, but no one called me. She said the supervisors were very busy, but she was noting my file and someone would call me. I waited patiently day after day for over a week and not one supervisor called me or confirmed receipt of my letter via fax or mail. Instead, today I received a letter written on XX/XX/XXXX saying that " We have attempted to contact you by phone and in writing to obtain necessary info ... and since we have not received a response ... we are closing our file regarding this matter. ''
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| 02/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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Target Bank card was fraudulently established in my name. Target claim I took ownership when I called submitting my name social And other personal items of verification to my identity. I inquired about the fraudulent activity that has established I presented documentation immediately filed an FTC report as with bringing them the documentation of the police report.
In turn theyve also sold the debt off to a XXXX XXXX XXXX XXXX. This collection company also has been harassing me through USPS Mail of the same fraudulent debt.
I spoke to a XXXX ( Target Fraud Dept ) on XXXX XXXX stating he was going to make this an utmost priority to update and remove.
I spoke to a XXXX ( Target Fraud ) on XX/XX/XXXX who advised me that Target Would be able to remove an update with the CRAs upon receipt of me faxing over the FTC report. I complied in doing so nothing was updated nor removed.
On XX/XX/XXXX I spoke to an ( Target Fraud Resolution Specialist XXXX ). XXXX stated that a form called 1099-C had been submitted to the credit bureau and this debt was being updated with that form for removal. I then requested to have this document since this is a crucial piece of evidence to obtain since it to had to be submitted to the IRS. He mentioned that he had to get this information and it would take a couple of days for him to get back to me I never heard back from him.
I followed up and spoke to a ( Fraud Target-XXXX Fraud Resolution Specialist ) On XX/XX/XXXX approximately XXXX to XXXX PM she started in with documentation of this fraudulent account and calls that were made inquiring and stated that all the calls were coming from my phone number I begged differ and I told her Im not quite sure as to what she was insinuating however this account was established on fraudulent pretenses.
She left a voicemail at XXXX PM the same day stating that she needed me to follow up she would be sending documentations in for me to fill out paperwork for fraud.
I returned her call where she also confirmed that she wanted to send documentation and have me fill out paperwork and return.
Im traumatized enough I am not submitting my personal identification Social Security my whereabouts to this company I have submitted the proper documentation that target person told me to submit and now they are requesting me to upload more information and to my Social Security number. This here has prevented me from Housing its also defined my character as they have sought after me for this debt as well as sold this debt that was fraudulent to a collector who is now hounding me for the same debt.
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| 03/31/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
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On XXXX I wrote to you and my complaint number was XXXX in reference to a line of credit I have with TD bank. You reached out to them and they informed you they were going to work with me by reviewing my tax returns to either reconsider the loan or convert my line of credit to a lower interest rate using a property of mine that is free and clear as collateral. They ( via conference call XXXX XXXX and XXXX XXXX from TD bank the vice president XXXX and XXXX the Manager ) reached out to me on XXXX offering these options and requested my signature to pull my credit and 2 years tax returns. I gave them both XXXX due to the holiday weekend.
Through a series of emails and phone conversations over a few months, always initiated by me and I have track of them all, they have informed me that the bank did in fact make a mistake that there was no problem with my credit report and in fact the original concern of a XXXX charge off was handled and was not charged off, XXXX removed it from my credit report as it was an error. My credit score was never in question that it was XXXX when the line of credit was opened and has since gone to a XXXX with no deviation in the time frames.
With that being said they never carried out the options they told me they would as per their response to you in my initial complaint. They told me they could not for whatever the internal reasons were re instate the initial line of credit but would then use my property for collateral. They have not done this. I have no idea what they are doing cause every time I call them or email them there is a delay and I believe they are lying to me. The proof is attached cause they have asked me to sign documents sent to me that is stating my loan is XXXX when it is a line of credit for XXXX. They didn't send this to me until XXXX told me I had to have it signed by XXXX. This banking institution cant possibly be following any guidelines and are totally frustrating me as a consumer.They are even charging me over a {$100.00} a month late fees during this process when I am in fact paying on my account. These fees are incorrect. I feel someone should never have to go through this process. If you notice since my last complaint it has taken them 4 months to send something to me of which I thought was relating to my collateral property and that process and it is the original loan I wrote to you about but now at an even higher rate. I please need someone to work with me along with this bank cause nothing is being resolved and I am still paying my monthly interest installment being patient during this whole process.
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| 01/08/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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TD Bank has taken every step to avoid paying out their " Promotional bonus ''. After recently submitting a case to XXXX, I discovered why TD was withholding the " bonus '' which makes no sense.
It is clear that TD was running a promotion for their Beyond Checking. It is documented throughout the internet and I received a flyer in the mail even though TD declines they sent one ( unfortunately I recycled it after signing up as I did not expect to be scammed by a large bank ).
https : XXXX https : XXXX XXXX XXXX XXXX To say the only " online '' promotion they were running was the Direct Mail Checking Promotion is just false. To make matters worse, even if that were true ( its not ), I still received a promotional mailing which they somehow can't track ( how convenient ).
Second, if the only " online '' promotion they were running was the Direct Mail Checking Promotion, why did 4 TD Bank Digital Specialists as well as a representative at a local branch ( who spoke directly to the promotion team ) only mention the issue of time?
Upon further digging into reviews, this is not the first time TD has promoted bonuses and then avoided paying them.
Just recently on the XXXX website : XX/XX/2019 " I have received numerous mailing advertisements from TD Bank. At least one of those advertisements was a direct mailer which made an offer of {$300.00} upon opening a new account and meeting specific criteria. I followed the link on the advertising mailer to open an account and opened the account through the link. I met all promotion criteria during the time frame, which involved creating a recurring direct deposit from my government employer, meeting and keeping an account balance, and keeping my money invested in TD Bank. I made two inquires about the promotion after the requirements had been satisfied and was directed to " just give it time '' before the {$300.00} promotional value would appear in my account. '' Background : My account was opened on XX/XX/2019. Per TD terms and conditions : " The account must be opened for at least 95 calendar days to receive the incentive bonus. In addition the applicants must be a new personal checking customer, meaning, they must have no existing or prior personal checking accounts at TD Bank. However, they may have an existing relationship at TD Bank. The Promotional Bonus will be paid between 95 and 140 days after account opening if requirements have been met and account is in good standing. '' During this period, I've reached out to TD on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I've yet to receive my bonus.
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| 07/22/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TD Bank regarding the unjust investigation of three fraudulent transactions that occurred on XX/XX/2023. Despite providing concrete evidence, I have been informed that my case has been closed, and I have not been properly assisted in resolving the issue.
To begin with, I want to emphasize that I only have a XXXX XXXX account since XX/XX/2023, and the two fraudulent transactions of {$110.00} and {$30.00} were both made from XXXX. I have no affiliation with XXXX-XXXX, and these transactions are undoubtedly fraudulent. Furthermore, a third transaction of {$4.00} was made at a place called " XXXX XXXX XXXX. '' As a XXXX, I do not consume candy, and I have no knowledge of such an establishment.
I have taken all necessary steps to address this matter promptly. On XX/XX/2023, I filed a police report at the XXXX precinct located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. A detective is currently handling my criminal case, further validating the seriousness of the situation.
However, when I spoke with a female supervisor from TD Bank 's US headquarters on XX/XX/2023, I was shocked to learn that the investigation had been closed without a satisfactory resolution. The supervisor 's explanation that the transactions were not fraudulent because the thief would not stop at three transactions in a day and that I must know the perpetrator was both baseless and unfair. It is essential to note that TD Bank had already closed my account and reissued me a new card, making it implausible for additional transactions to occur with the canceled card.
I firmly believe that TD Bank 's handling of this situation is in violation of the Electronic Fund Transfer Act ( EFTA ) and has severely infringed upon my customer rights.
Therefore, I kindly request the immediate intervention of the Consumer Financial Protection Bureau ( CFPB ) to ensure that TD Bank rectifies their significant errors promptly. I demand that the amount of {$110.00}, {$30.00}, and {$4.00}, which were fraudulently taken from my account, be permanently credited back to my account without any further delays. Additionally, I expect to be treated with the respect and dignity that every customer deserves.
Attached to this complaint letter, please find my new TD Bank debit card information for your reference : Name : XXXX XXXX XXXX number : XXXX Thank you for your prompt attention to this urgent matter. I am hopeful that with the assistance of CFPB, this issue will be resolved satisfactorily.
Sincerely, XXXX XXXX
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| 05/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Target Card Services Credit reporting dept Account Number : XXXX Im writing to ask again to look into the XX/XX/XXXX and XX/XX/XXXX missed payment that Target has reported to the credit bureaus. I am trying to apply for a home mortgage for my family of XXXX and it's come to my attention that Target still has not corrected these late payments.
I understand my financial obligations, I have had this target card for several years as you can see and have never missed a payment so it was a shock to see these on my credit report. I spoke to a couple different Target Representatives over the phone which I'm sure you can pull the phone calls from XX/XX/XXXX through XX/XX/XXXX and I even have online messages speaking to representatives. They assured me if I paid more than the amount owed it would cover the NEXT monthly payment and that monthly payment would be XXXX. I also asked to change my due date to the XXXX on XX/XX/XXXX, target online messages stated they would change it to the XXXX of the month but yet it was never done so you reported XX/XX/XXXX as 30 days late when it was not.
I know you have to report accuracy to the credit bureaus but these should not have been late especially when I was told if I made an extra payment or double payment in that month it would be applied to the following months. As you can clearly see on the attached document that I made a payment XX/XX/XXXX, you applied it to my XXXX payment and then I made another payment XX/XX/XXXX and you applied it to my XXXX payment coming up and I have a XXXX balance owed for XXXX. So this is true for the other months prior. So the XXXX late payment reporting is simply not true.
Here is a break down of payments : XX/XX/XXXX - payment of {$210.00} for XXXX and XX/XX/XXXX ( XXXX was NOT 30 days late ) XX/XX/XXXX - payment of {$100.00} applied to XXXX payment XX/XX/XXXX - payment of {$80.00} for XXXX payment ( this payment was late but NOT 30 days late ) XX/XX/XXXX - payment of {$120.00} for XXXX payment XX/XX/XXXX - payment of {$400.00} for XXXX payment XXXX - XXXX balance owed XX/XX/XXXX - went ahead and paid an extra {$50.00} which Target applied to XXXX XXXX - XXXX balance owed XX/XX/XXXX - payment of {$100.00} applied to XXXX payment XX/XX/XXXX - payment of {$100.00} applied to XXXX payment XXXX - XXXX balance owed XX/XX/XXXX was not 30 days late because it was due XX/XX/XXXX and I paid it XX/XX/XXXX.
Please fix these XXXX late payments to show not 30 days late, as you can clearly see I was told the extra payments would go into the next month AND I have proof as Target did just that.
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| 06/08/2015 |
Yes |
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Web |
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Purchased a piece of furniture on target.com that stated it was in stock and able to be delivered with in a XXXX weeks to my door. Paid with my target red card credit card. The wrong king size bed was delivered. When the XXXX call to target.com was placed the resolution was that the correct item has been expedited to deliver the correct item and remove the incorrect item from my home. After waiting for XXXX weeks we had not heard from XXXX, Target 's third party distributer, so a call was placed. We were told that no order has been received from target.com to exchange these items. After checking the website, the correct bed had been placed on back order. No call from target.com about this issue. The back order date was only XXXX weeks away, so I said okay, I 'll wait. XXXX weeks later I called XXXX and received the same news that target.com never placed an order with them to exchange the wrong item. Looked on the website and the correct bed was placed on back order again, but this time for XXXX more weeks. Going on XXXX weeks of having XXXX large boxes of this wrong king size bed in my tiny living room, I decided that I wanted to cancel the order and have the wrong item picked up and a refund issued. The bed sat in my living room for almost XXXX months and when it was finally picked up for a return it was then delivered back to me because target sent USPS to get the bed and not XXXX their distributer. ( What the? ) waited another week for XXXX to finally get this bed out of the house. Purchase placed in XXXX. Bed delivered back to target middle of XXXX. Target.com says that a refund was issued to my red card on the XXXX of XXXX. It 's XXXX XXXX, and we are still fighting to get this " refund '' stated by target.com to apply to my target red card. Since XXXX I 've paid interest on an item that target.com did not have in stock even though it stated that it was in stock. I 'm afraid to even ask for the interest charges to be refunded on an item that they never had available for purchase. This should be illegal. It should be illegal to charge interest on an item sold that the seller never had in their possession. They lied about it on their website. After two more hours of phone calls today and reaching dead ends with XXXX more people I have to file a complaint. I need help recovering money that is owed back to my target red card. The moment that I receive the refund my red card will be closed. I will shop elsewhere. It 's disappointing and disturbing that a store and that store 's credit card can not communicate and make things right for their consumer.
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| 01/06/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XXXX XXXX, 2017 I filed a claim with TD Bank in regards to my debit card being used with taking cash from ATM 's on a daily basis. I have had this account for years and my activity on this account was very very limited. Easily said I hardly had any transaction on this account and never did cash withdrawals at an ATM. I filed this claim stating that TD bank allowed cash to be taken out on a daily basis until the money was gone in my account. The system should have noticed I never did ATM cash W/D and that this amount of activity was out of the normal for my account but they did not catch this problem. Within 24 hrs of filing this claim, TD bank contacts me saying they completed their investigation and found no error and that all the ATM transactions and a few XXXX point of sale transactions are valid. They claimed the activity was within my normal activity which is clearly not true as I have already stated I never did ATM cash W/D in the history of my account let alone the amount of spending taking place. Next, they claimed the card was used within my home area which in fact when researched the card was used at ATM 's located over 15 miles from my home and XXXX transaction took place over an hour from my home location. Every reason they gave for denying my claim was clearly false and can be proven by the years of activity on the account. Moreover, how is a proper investigation completed in 24 hours time? They refused to get photos from cameras where the transactions had been made. They asked me to get a police report and when I spoke to the police they said that the bank must first do a real investigation and that cleary my bank did not if they closed the claim with a 24 hr time frame. Even the police department said they never heard of an investigation being completed within 24 hours. TD bank has refused to issue me {$10000.00}. They even ignore the XXXX protection promise on the transactions made at retail locations using my card. It seem 's TD Bank feel 's they do not have to protect customers money nor does REG-E or XXXX fraud protection for the unauthorized transaction when card used in stores does not apply to TD Bank. It has been one-year fighting to get my money back and after countless emails from supposed TD Banks corporate office, all they tell me is to get a police report. I repeatedly told them what the police told me but it does not seem to matter to them what the police have to say. I feel these are just excuses for TD Bank to deny customers claims and especially when they are being dishonest for their reasons for denying my claim.
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| 03/09/2016 |
Yes |
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Web |
Older American |
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After missing a couple of payments in XX/XX/XXXX, on XXXX XXXX, XXXX Target Cards called me to set up a payment plan for my unpaid balance. The initial agreement was made for about 12 months @ $ XXXX/month set up for automatic bill pay from my checking account. On XXXX XXXX, XXXX Target Cards then sent me a form and phoned me and arrangements were for them to continue to debit my account in a new amount of $ XXXX/month, I also agreed to this on a 4 year term, through payoff of the credit card. I was called again by Target Cards on XXXX XXXX, XXXX at which time they wanted to set up an agreement through XXXX XXXX in the amount of $ XXXX/month. I was confused by their phone call because we had made a 4 year agreement 3 months previously but trusted they knew what they were talking about. While on an extended trip away from my home dated XXXX XXXX, XXXX, Target Corporate Services sent a letter stating there were revised terms as of XXXX/XXXX/XXXX, " The current monthly payment {$33.00} will remain in effect indefinitely, and will not expire. '' Please keep in mind, I have at no point refused these automatic debits/ cancelled any payments/ nor switched accounts or banks. On XXXX XXXX, XXXX I received another letter from Target Visa Credit notifying me my account was past due, I called them immediately and they had already turned the account over to a collection agency, XXXX. An agreement of $ XXXX/month for 2 years was then made with XXXX, I once again agreed to have the money automatically drafted, supplying my account information, yet again. I received my last statement from XXXX XXXX XXXX, XXXX stating they had taken their payment from my account, however, their statements show no balance. Communication ceased until I received a letter from XXXX XXXX on XXXX XXXX, XXXX, apparently another collection agency seeking {$280.00} due by XXXX XXXX, XXXX. I have not responded to their attempts to communicate and feel I have given due diligence in my many attempts to pay off this debt. Throughout the XXXX agreements made my bank account information never changed, I never refused payment, and payments were never returned due to insufficient funds. I believe I have communicated and positively agreed each of the five times Target and CBE sought to collect money from me. My credit has now been impacted negatively by their inability to offer competent payment agreements and I am not willing to make yet another agreement, number six. Furthermore, because these arrangements were terminated prematurely, I have suffered monetary loss by the compounded interest rates.
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| 08/16/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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Between XX/XX/XXXX to XX/XX/XXXX TdBank North, in violation of my request to have Td cash advance taken off the account and alerts being put on, have ignored these requests resulting in excessive overdraft fees to the tune of a total of at leats 5 fees. The issue is not overspending, the issue is the manner in which they process deposits and debits. For instance on XX/XX/XXXX a deposit was made for {$1000.00} resulting in a positive balance but Td Bank north posted a fee after the fact because according to them the transaction occurred before the deposit. Records however, show otherwise. This bank is making hand over fist by setting up their customers for failure by imposing Td Cash Advance which results in a consumer being able to make purchases even if the money is not available to cover it. On or about XX/XX/XXXX i spoke with a representative about this product and instructed them to take it off. I also spoke with another representative shortly thereafter to discuss low balance alerts and instructed them to put it on which never happened. More recently i received notifications that the system was down and i could not log in because they were making software updates. While it is possible that the representative never properly handled the call back in XXXX it is also possible that the alerts were taken off with this software update. After realizing more recently that fees had again incurred due to transactions being paid, i contacted Td Bank to discuss a refund as i was not authorizing the use of this cash advance feature, explained my prior conversations with Td Bank but they were both unwilling to admit fault and are also unwilling to put back the 5 overdraft fees totalling {$170.00}. This is an excessive and unwarranted amount given the circumstances. On XX/XX/XXXX at around XXXX after speaking with a call center representative i asked for a supervisor who was shockingly rude : I made an attempt to reason with XXXX Call center supervisor in New Jersey and she was not only not helpful but made me feel like they were doing me a favor by allowing me to bank with them. When i asked XXXX for her employee id she would not give it to me so i asked for her name and she stated stated that her name is XXXX as in " the brady bunch '' which i interpreted as a racist remark -- it doesn't take much to read between the lines -- how many hispanics are on the brady bunch a 70s show -- this is not only offensive but completely irrelevant. Please contact this institution and obligate them to refund these fees. I greatly appreciate your assistance in this regard.
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| 03/28/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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On XX/XX/XXXX at about XXXX XXXX I talked to a woman at XXXX about my past due account, she updated my account with my hardship information and offered me an 85 % settlement or a payment arrangement towards the full balance ... these options came after I specifically told her I cant make monthly payments and she did not provide options that would be feasible based on my circumstance. She tried to manipulate me to agree to do an arrangement that I couldnt make good on and threatened that the account was going to be placed at a law from on XX/XX/XXXX. We ended the phone call because she refused to offer me an arrangement that would fit my financial hardship.
I talked to a man at XXXX on XX/XX/XXXX, he said that my account had not been placed at the law firm yet, and he proceeded to offer me a 75 % settlement. I told him I couldnt do that but I offered a lesser amount. He said no he couldnt accept my offer but he had a manager approve a 60 % settlement on the account. I asked to speak to the manager and he put me on hold for over 6 minutes and then hung up on me. I called XXXX back the same day ( XX/XX/XXXX ) and next got a woman on the phone who apologized for the previous agent hanging up on me. I explained the offers and she told me she can not accept a 60 % settlement and would only accept a 75 % settlement and that is the lowest they would ever go.
XX/XX/XXXX I called XXXX again to try and get a reasonable solution, I talked to a woman on the phone and explained my first three phone calls and my frustration. She proceeded to offer me a payment arrangement which I told her many times I couldnt afford. She then told me that my account was placed at the law firm on XX/XX/XXXX. I told her this wasnt the case and Ive been told differing stories from each agent I spoke with at XXXX. I asked to speak with a manager and she said she couldnt transfer me but she would put my escalated phone call in the queue and would have a manager call me back. We ended the call.
I missed a phone call from XXXX later the same night. I called them back and it was another agent saying it was a manager trying to call me back but she cant transfer me to them. This agent then said that there are no settlement options at all and that the account was sent to the law firm today XX/XX/XXXX. She proceeded to ask me about my hardship and said that my hardship hadnt been previously document on the account at any point. I told her she was the 5th agent Im talking to and Im not willing to explain my hardship yet again when they dont even notate the conversation on my account.
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| 02/28/2017 |
Yes |
- Bank account or service
- Savings account
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- Account opening, closing, or management
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Web |
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I have had a savings account with TD Bank since 2011. Last week, based on a conversation with a bank teller at the following TD Bank , N.A . location ( XXXX, XXXX, PA XXXX ), I was told that the type of savings account I currently had ( interest rate of .15 % ) was no longer offered. I was also told that I should have been switched to a high yield interest savings account ( interest rate of .50 % ), however, no attempt by TD was made to communicate/switch the following : ( a ) communicate that my current savings account was no longer offered ( b ) communicate that I qualified for other savings accounts actively being offered ( all of which had higher interest rates ) ( c ) switch me into a savings account automatically that I qualified for.
Additionally, as none of the current savings account offerings at TD had any major fees/restrictions, THERE IS ABSOLUTELY NO REASON ANY CUSTOMER WOULD HAVE ANY ISSUE BEING SWITCHED INTO A HIGHER INTEREST RATE SAVINGS ACCOUNT. This suggests that TD Bank may be solely interested in their own financial gain at the expense of the customer who is kept in the dark.
What makes matters worse is that I have qualified for high yield savings accounts since I opened an account in 2011 ( as no minimum balance is required ) ; certain years I was receiving the appropriate interest and other years I was not. I raised this concern with the XXXX/Store Manager who told me they would not compensate me for interest that I would have accrued during the years that my interest was sub .20 %. The irony is that I am only asking for the minimal interest I feel I am owed on the LARGE balance I maintain in my savings account and not the profit TD made reinvesting my money over the past 6 years which, I can assure you, is a much larger amount than the interest I would have received in the first place.
In closing, although my primary concern is my own financial situation, this may be part of a much larger and potentially more serious issue whereby TD Bank is not being open and transparent about the status of their customers accounts ( e.g. when accounts are created/changed/no longer offered ) and the financial impact it may have on their customers. As we saw with XXXX ( where accounts were being created/cash was being moved to boost sales numbers without customer authorization/intervention ), my suggestion would be that you open a full investigation as to how TD manages their customers bank accounts and, perhaps more importantly, the extent to which they attempt to communicate the best banking services/solutions for their customers.
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| 01/06/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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I am a TDBank Customer in XXXX County, Florida. On XX/XX/2019, I tried to make a XXXX payment through my online banking portal. The transaction was flagged by TDBank as suspicious, even though I had done previous business with the merchant with no issues. TDBank disabled my XXXX capabilities while they " investigated, '' and later shut down all access to my checking account. I spent HOURS in the branch during the ensuing weekend trying to resolve the situation, but the branch employees, including the manager, not only were unable to help but were apathetic and uninterested in trying. Finally, after I posted a lengthy summary of the situation to XXXX, along with an entreaty to my followers not to do business with TDBank, someone from their corporate office called me on Sunday night and assured me they would resolve the situation by the following Monday morning. Little did I know, however that my nightmare was only getting started ...
To make a very long story at least somewhat shorter, after the XXXX debacle, TDBank improperly and arbitrarily classified my checking account as a " non-transaction account, '' a code associated with savings accounts, money markets, and other such accounts on which checks ( including e-checks ) can not be written. They did not inform me they were doing this, and from what their employees have since told me, it should have never happened -- in other words, it was a negligent and careless mistake on their end.
This negligent action by TDBank caused me to incur many returned payments, resulting in hundreds of dollars in late fees. My payments initially were accepted, but each time, I received a notice days later ( or, in a few cases, weeks later ) from the merchant ( never from TDBank ) that the payment was returned because of my account 's non-transaction status. By that point, the due date had always passed, causing a late fee to be applied. In one case, it took so long for the payment to be returned that it went past the 30-day mark, resulting in a 70-point plunge in my credit score. This drop, unless I can somehow resolve it, will cause me to pay hundreds or even thousands more in interest if I decide to purchase a house or car in the near future.
I am completely fed up and need help taking action. I strongly believe that I deserve restitution not only for the quantifiable monetary damages I have suffered in the form of late fees and returned payments, but also for the many hours of time I have lost ( time is money, after all ) and for the stress and emotional anguish caused by this exasperating situation.
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| 06/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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Hello, I had a vehicle, a XXXX XXXX XXXX. I bought it new in XXXX and the loan was through TD Auto Finance. In XX/XX/XXXX, I sold the car to a private party. He paid cash with a cashier 's check into my bank account. I called TD Auto Finance to discuss the pay-off of my account. I was told to wait to make sure the cashier 's check posted, then call back and I had to conduct the pay-off over the phone. I called back again once the check cleared and was told by the customer service rep that I could not do pay-offs over the phone, that they were online only. So, I went online and made my pay-off of {$44000.00} on XX/XX/XXXX. Several days later I get an email saying there was a problem with my payment and it was returned due to " insufficient funds '' even though I had the money in my bank account to cover it. I called TD again and was told that I could only make payments online of up to {$40000.00} and that is why my payment did not go through. The rep told me to try again with two separate payments of {$20000.00} each. I did. The first payment was declined because I indicated it was a savings account instead of a checking account, even though when you make a payment online, it did not give me the option to choose. So then I try again ( for the 3rd time ). Then, my payment is declined because they were " unable to locate the account ''. I called TD again. The next person ( 5th or 6th person I've talked to at this point ) told me that you can only make pay-offs over the phone and you can only pay up to {$10000.00} at a time and only once every 24 hours. Then the 8th person I talked to told me I could make up to 5 payments in 72 hours. So by this time, I am highly upset at this company because every single person I talked to had something different to tell me. I eventually got the loan paid off by using their phone payment system and making {$10000.00} payments four times, plus an additional payment of the remainder. Now, mind you, another payment has come due that I was required to pay even though the car had been gone for a couple weeks. So TD Auto Finance got me on that one. I signed a contract with the buyer that I would pay off my account in 72 hours and instead, it took 5 weeks. I finally was able to send him the title to the vehicle yesterday, XX/XX/XXXX. TD Auto Finance, I feel, was using tactics to prevent me from paying off my loan. I personally believe that they did not want me to pay off this $ XXXX auto loan because of the interest they were making on it. I feel like I was taken advantage of and that they were doing this on purpose.
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| 03/16/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
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Web |
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I have applied for and closed on my residential mortgage loan with TD Bank. I was provided a loan estimate on in XX/XX/XXXX and again on XX/XX/XXXXand closing disclosure on XX/XX/XXXX without New York State and XXXX XXXX XXXX property transfer taxes disclosed to me. Section E of the Loan Estimate was disclosed on all of these documents to be {$70000.00} which was sum of all transfer taxes. I received a revised closing disclosure on the evening of XX/XX/XXXX with {$27000.00} of property transfer taxes added. This was the evening before closing! I closed my loan onXX/XX/XXXX. This disclosure was provided less than 24 hours prior to closing. It is also my understanding that New York Real Estate Transfer taxes must be disclosed on the original Loan Estimate and can not be redisclosed ; and certainly not less than 24hrs prior to closing. This was a shock to see the additional required funds for closing and it amounted to {$27000.00}!!! I contacted my loan officer via email and phone on the evening of XX/XX/XXXX and again in the morning of XX/XX/XXXX before and during closing which was scheduled for XXXX. She would not respond to any emails and did not pick up/return my calls. I was forced to close under duress as this was a home purchase and I had movers already packing my current home and family in transit to the new property. My most recent contact at TD Bank was XXXX XXXX, Ops Manager ( XXXX ) XXXX and XXXX XXXX in Operations ; neither of them expressed any interest in addressing the matter. My attorney drafter a letter onXX/XX/XXXX to XX/XX/XXXX ( Chief Risk Officer ) and XX/XX/XXXX ( General Counsel ) at TD Bank at corporate headquarters with all of my supporting documentation and requested a prompt reply. It has been over a month and we have yet to hear back. I am livid that any lender, especially one of TD Bank 's size can operate in this manner. I was provided disclosures on the eve of my purchase transaction with an additional {$27000.00} out of the blue and when questioned, nobody would return an email of phone call. When i continued to request to speak to management, I was connected to a sales manager to told me TD Bank did nothing wrong and that's all they could say and would not elaborate. Absolutely horrible for TD Bank to operate in this manner! After speaking with my attorney, i understand that this type of transfer tax can not be added as a change or re-disclosure, again certainly not on the evening before closing! For a bank to disclose this large sum with no explanation at the very last minute is completely unacceptable.
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| 11/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
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I went to my TD Bank app to check my balances and it would not open to display my accounts/balances/transactions. It popped up a message instructing me to call the TD XXXX number for assistance.
I called that number. The lady indicated both my checking and savings accounts were 'frozen ' and I would need to physically go to my local branch. I asked her what was the reason for this, and she responded with, " It does not say why ''.
I immediately ordered an XXXX ( I do not drive ). Upon entering the branch, the teller asked how she could help me. I explained their app would not display my account information and the XXXX number lady " could not provide account information '' and told me to go to my local branch. The teller looked up my accounts and right away told me to have a seat in the waiting area. Within minutes, XXXX XXXXXXXX XXXX of the branch, called me into her office. Upon sitting at her desk, XXXX asked how she could help me. I explained the same thing, that I was unable to access either of my accounts. She looked them up and said, " Yes, TD has chosen to end its relationship with you. '' I was completely shocked and taken aback. I asked why this was happening, and yet again, XXXX said " there is no reason provided. '' I requested my money from my checking and savings accounts and XXXX told me they can not give my money back to me right now. I have over {$270000.00} in their bank between the two accounts. XXXX said TD will be mailing me a letter and, once I receive that letter, I can then request my money, which will be mailed via check. I asked XXXX how long this process will take and she indicated she did not know.
In the meantime, I literally have NO MONEY to buy food or medicine. This occurred on XX/XX/23, the day before XXXX! Additionally, tragically, my registered emotional support animal was very sick ( I am diagnosed with severe panic disorder and XXXX XXXX ; I asked XXXX to show her the paperwork I carry everywhere confirming my diagnosis and reliance on my pet as well as call the vet there in her office so she would know I wasn't making any of it up ; she declined to review it ). I had a vet appointment for him that very afternoon. I BEGGED XXXX for at least enough money to take him to the vet. She said there was nothing she could do.
My pet later died in my arms, XXXX morning at XXXX. TD Bank killed my emotional support pet. It is now XX/XX/XXXX I am running out of food and I am unable to get medication refills. I literally have NO MONEY. What am I supposed to do??!! How do I get my money from TD Bank???????
|
| 10/18/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
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Web |
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I went into a bank to open a checking account and after opening the checking account i inquired about a load. They recommend to me a sba microloan. I say down with the loan officer. The loan officer proceeded to fill out the application and ask me a few questions to complete the loan application. I had asked if a bankruptcy over 2 years old was an automatic denial they replied no. So i signed my name to it without reviewing what the officer entered. They said the application would be immediately submitted that day and I would have a response by XXXX the following day. Around XXXX the next day they called me and asked me to sign another spot on the loan of that was transmitted to me thru email. I did and emailed back to them that night. The next day and they said I was denied because of the bankruptcy verbally over the phone. I went to the SBA website to review conditions to qualify for a microloan and to my understanding discharged bankruptcy over 2 years was not grounds for disqualification and also saw than my fico score was within guidelines. The next day I went in with tax records and bank statements to submit and ask for reconsideration and offered collerterial to cover the difference of the SBA guarantee so that they would be secured 100 percent of the loan. I waited till an officer was available to plea my case and during that the branch manager introduced herself to me very loudly and said there is no reconsideration and our voices escalated to where everyone in the bank could hear. I was afraid that she may call the police on me so I exited the building. When i got into my vehicle she was standing outside watching me. I guess she had followed me. I called TD bank customer service to talk to a business account manager and explained what had just happened without naming names or branch location. He assured me that someone would contact me to hear my request for reconsideration. They never called back. I did get a call through from the manager who threw me out to apologize for her behavior. When I received the decline letter i was bankruptcy but after researching sba loans it is my understanding that the SBA also has to provide an adverse action letter as well which I never received. My complaint is I don't know if the application was filled out properly having the right information on it i signed. The behavior of the bank manager. The reason for adverse action that was not supplied to me from SBA and not being able to plea my reconsideration. The bank representative was bank manager XXXX at the XXXX XXXX XXXX XXXX XXXX SC XXXX
|
| 04/04/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
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Web |
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TD advertises free checking with criteria and with free online banking and telebanking. When you meet the account criteria for 'free ' account, TD then charges for the bank statement to be delivered. TD conceals the fact that you must pay for the bank statement with any account.
TD does not have functional online banking or telebanking. TD then asks us to verify our identity by describing transactions, which we are trying to learn about. We can't get a record of transactions and then TD claims it is verifying our identity by interrogating us about transactions. This violates our privacy and blames us for not being able to access our accounts. Because we don't know the transaction history we have to physically drive and come in to a branch with ID during their hours to get basic transaction history. This extorted labor is a disguised fee.
With telebanking you can not hear all types of transactions within the given time period. With online banking it is impossible to get access to it. I was advertised to by TD online and I opened the account online and then, after giving all of my information and opening the account online, was told I had to visit the branch simply to verify my identity. In fact, the account was not opened online. When I went in they had to open the account and the whole thing took another 2 hours. I specifically asked about online banking physically inside TD bank and was told that they certainly did have online banking and it was free. I was told that I could deposit checks online and make transfers and pay bills online. This is not true. I have had the account open 2 months and have never been able to access online banking. I have called 4 times and spent a minimum of 1 hour to more than 2 hours on the phone every time I call. I can not access online banking, which was advertised to me online.
1. TD falsely advertises access to online banking and telebanking.
2. TD falsely advertises 'free ' checking when you meet the criteria by charging for a bank statement and by concealing that charge.
3. TD extorts labor from its customers, forcing us to labor for hours attempting to access online banking or telebanking.
4. TD must compensate us for our extorted labor to access our accounts, lack of access to transactions by printed statement, online banking, or telebanking.
The false advertising gets our money to TD, then we get transactions going and are stuck in this situation, subsidizing TD 's profits with our extorted labor until we can resolve the matter and then go through the expense of going to another bank.
|
| 12/29/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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I went today XX/XX/XXXX around XXXX to XXXX XXXX to withdrawal funds from my td bank checking account through the drive through I was told by one of the banker that as I open the account online I need to come in to see one of their bank associate to resolve some issues with the account that I have with td bank then I went in I spoke with XXXX the banker lady she told me that they made a decision to closed my account permanently and she kept my debit card and refused to give to me back and withdraw funds also mean while I was waiting I was told disrespectfully to wait to move away while I was seated on front of the banker then I was explaining to her how I feel that is unfair the treatment which they made me waste my time going home then they called me to come back to the branch then I went and they still told me to they gon na closed the account permanently for ever with the bank and through that time from XXXX to XXXX XXXX somebody use my debit card and I had to called the police from the branch the police show up to help with the matters but the td bank employee covers some story about the matter which is unfair and after all that drama they gave me my debit card back but still the manager told me that they gon na close my account permanently which I think I was discriminated by my skin color and race I wan na exercise my right as human being I filing this complaint thank you I already called the customer service from the bank but I was discriminated by this bank ... ... also another details they told me back in XXXX I had and account with them there was an old balance around XXXX dollars which I paid XX/XX/XXXX they said that was one of the reasons but I been with td bank for about 7 months or longer. And I have others product with that institution but everything is recorded in the branch how I was treated as prove and XXXX the banker kept my debit car for about 3 to 4 hours and after I called the police I got the debit card back under their owns description like they are trying to cover the story and hide the true I was discriminated because my race and skin color also the question me like the police about my account and the manager and other supervisors told me the same that they gon na close the account permanently for ever and never in my life be a customer for td bank everything is under branch video even when the teller walk from the counter and got my debit card from XXXX XXXX of the ladys that started the matter and disagreement about my account and relationship with td bank my prove is the bank recorded camera and videos
|
| 04/17/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
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Web |
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I opened up a TD Bank account in XX/XX/2017. This bank account had a bank promotion of receiving {$150.00} after making {$500.00} in direct deposits within 90 days. I have met the terms of the bonus. When I messaged TD Bank about the bonus they sent me the following message : " Hello XXXX, Thank you for contacting us in regards to the new account opening promotion.
TD Bank is currently offering a new promotion that is available only through the Online Banking, by clicking on the " apply now '' through the Ad on TDbank.com. Once the account has been opened through the landing page, the applicant can choose between one of two options : Open a TD Convenience Checking account plus receive direct deposit ( s ) totaling {$500.00} or more within 60 days of account opening to earn a {$100.00} bonus.
Or Open a TD Premier Checking account plus receive direct deposit ( s ) totaling {$2500.00} or more within 60 days of account opening to earn a {$200.00} bonus.
The account must be opened for at least 95 calendar days to receive the incentive. In addition the applicants must be a new personal checking customer, meaning, they must have no existing or prior personal checking accounts at TD Bank. However, they may have an existing relationship at TD Bank.
A review of our records indicates that this account was opened in person at your local TD Bank store location. Where this is an online only promotion the account would not be eligible for the promotion.
If it is helpful to note, TD Bank does run promotions periodically for current, or past, Customers. Please feel free to check in with your local TD Bank Store for any promotions that may be available in your area.
We apologize for any confusion.
If you have any further questions, please contact us via email or call XXXX to speak with a Customer Service Representative, 24 hours a day, 7 days a week.
Kind regards, XXXX XXXX.
TD Bank On-Line E-mail Specialist '' There are two problems with this response. I received an email of the promotion from a TD Bank representative. She informed me that I was eligible for the promotion. The promotion she sent me says nothing about the account having to be opened online. The 2nd issue is that the response says the promotion was for {$100.00} when in fact it was for {$150.00}. I have the email that the representative sent me. This is completely unacceptable to tell me I can open an account and get a promotion and then months later after I have already completed the terms tell me that I can not get the promotion when the representative said I could.
|
| 11/18/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
XXXX/XXXX/15 - TD Bank assessed a {$35.00} OD Paid fee due to PENDING debits reducing my balance to less than what was available for items posting. TD 's response " While you are not charged an overdraft fee for a pending authorization, even if it brings your balance negative, the authorized funds are deducted from your available funds. '' It seems that the consumer IS being charged for pending transactions. Technically those funds should still be available for use for other transactions since the merchant has not sent it through for payment and IF when those pending items come to post in the future they THEN should be assessed fees should funds be unavailable.I was told it was assessed to a {$10.00} transfer to my other TD Bank account I share with my son.
XX/XX/XXXX Same scenario. A {$5.00} pending transaction and a recurring XXXX transaction that brought the account over by XXXX CENTS ( additional debit card transactions totaling {$10.00} over drafted the account further, even though the XXXX online statement shows my ending balance being - {$5.00} ).
XX/XX/XXXX - When I noticed my account was over drafted in the amount of $ XXXX - which included the ending balance of - {$5.00} from XX/XX/XXXX ( inconsistent from the attached letter from the bank ), along with the following pending items : recurring Debit of {$10.00} from XXXX and that SAME {$5.00} XXXX that was pending on XX/XX/XXXX, and XXXX - {$1.00} gas authorizations - I immediately deposited {$20.00} at the branch and transferred {$14.00} from my other accounts to cover these items before they posted and over-drafted. I contacted the bank and told that II was charged an OD Paid fee for the XXXX transaction according to TD banks representative which brought my negative balance to {$45.00} approximately.
XX/XX/XXXX - In reviewing my account this morning, I see that due to TD bank assessing the OD Paid fee, my deposits were wiped out and I have been assessed yet ANOTHER OD Paid fee for the {$10.00} XXXX charge - even though I took measures to ensure it was covered.
I have requested from the bank the {$100.00} in fees be refunded as the information that I see online is inconsistent with the information they communicate AFTER they 're assessed the fee. They have refused. Also, they are charging fees based on the deduction of PENDING charges - money that has NOT been paid out to the merchant.
I did not want to take these drastic measures for fear of them closing my account, but I feel I have no choice as the customer service representatives obviously simply do not care.
|
| 03/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
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TD Bank Headquarters XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to complain about my experience and service of how fraudulent charges on my credit card were handled.
On XX/XX/XXXX I received a text about a fraudulent charge on my account, I instantly called TD to inquiry about the charge. When I spoke to the agent, we reviewed charges and discovered there were multiple unauthorized charge. The charges were XXXX transactions of {$200.00} for XXXX XXXX ( Total {$400.00} ). Agent informed me that charges would be investigated.
On XX/XX/XXXX I received a letter that after reviewing and investigating available information and documentation that I was responsible for the charges. After receiving the letter I called TD bank. They informed me that I could appeal the decision and that I would be contacted with a decision. In XXXX, I called to follow-up because I had not received a call back and was informed that they were still reviewing and I should be patient that the case was still being reviewed. In XXXX, I called again and I received the same response to be patient. In XXXX, after still no response from anyone from TD, I called back and was informed that they never call any customer back with a decision and that my appeal was denied and I was responsible for the charges I had never made. I asked to speak to the appeals department or someone in a higher position. The agent informed me that there was no one who could assist me because they were the highest contact I could speak to via phone in regards to the matter and I needed to contact headquarters. I also, tried reaching out to the branch and they told me that there is nothing they could do in the matter, either.
As you look at my history, I have been a customer for a long time and Ive never been late on a payment. I had a {$12000.00} credit limit and I have always shown to be responsible with my accounts. I had {$50000.00} in my checking account, which has now been closed and moved to XXXX due to the service received in this matter. After being a customer for so long, I felt I deserved the respect of a phone call about this situation but nothing.
So as of right now I have these charges on my account that I have never made and they are accruing finance charges on them to. Honestly if I had made the charges I would have paid them because Ive made many charges on the card and as you could see in my history I have always paid. There would be no reason for me not to pay if I had made them. I would appreciate a call back on this matter.
|
| 01/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Older American |
|
T D BANK had several forms of advertisement, ie internet, direct mailing, in bank personnel/ employee, and also listed on other websites such as see XXXX XXXX ( copy uploaded ) The promotion under which I opened my account with TD BANK stated the following : The bank employee took a copy of the " Social Security Check '' with both names listed to confirmed with manager on duty that we qualified for XXXX of the " PROMOTION '' being offered which was ( XXXX ) days of " DIRECT DEPOSIT '' of {$500.00} or more after the XXXX days we would qualify to receive {$250.00} deposited into the account being opened. The only EXCEPTION was, we had to keep {$100.00} in the account each month by our statement due date of the XXXX of each month, if not we will be charged a below {$100.00} fee OF {$15.00}.
THE ACCOUNT WAS OPENED IN THEIR XXXX XXXX XXXX XXXX AND XXXX XXXX BRANCH ON XX/XX/XXXX CALLED A : TD CONVENIENCE CHECKING. OUR XXXX DAYS OF DIRECT DEPOSIT WOULD EXPIRE ON XX/XX/XXXX ( XXXX ) DAYS ON XX/XX/XXXX The account was ( $ XXXX Cents ) of the required {$100.00} required end of month the account had {$99.00} I could not get to the bank and XXXX was not set up ( to do so would take XXXX days to verify the account by TD BANK REQUIREMENTS. I GOT TO THE BANK THE NEXT DAY TO DEPOSIT THE {$0.00} Cents but was charged {$15.00} SPOKE TO XXXX XXXX IN DEPARTMENT OF SUBMISSION CONTACT CENTER FOR TDBANK WHO SAID TO AVOID THE {$15.00} FEES SHE CAN SWITCH US OVER TO THE TD SIMPLE CHECKING FOR {$5.00} PER MONTH WITH NO {$100.00} REQUIREMENT, AND I WILL BE OK BECAUSE I HAD ALREADY HONORED THE XXXX DAYS REQUIREMENT, AND I WILL STILL BE A TD BANK CUSTOMER WITH DIRECT DEPOSIT.
I am filing this official complaint with the CFPB because all my EFFORTS IN HAVING THE MANAGER, THE ASSISTANT MANAGER ALONG WITH THE CUSTOMER SERVICE DEPARTMENT TO HAVE TD BANK HONOR THE PROMOTION HAVE FAILED.
THE REASON BEING GIVEN BY TD BANK FOR NOT HONORING THE PROMOTION {$250.00} UNDER WHICH THE ACCOUNT WAS OPENED IS, STATING THAT MY NAME WAS NOT ON THE PROMOTION. ( Which by the was it was ) THE PROMOTION DID NOT REQUIRE A NAME IT WAS ON THE INTERNET, IT WAS BEING MAILED TO HOUSE OWNERS, AND MOST OF ALL IT WAS CONFIRMED BY THE MANAGER ON THE DAY I OPENED THE ACCOUNT THAT I QUALIFY FOR THE PROMOTION.
THIS IS A BAIT AND SWITCH DECEPTIVE PRACTICE AND I PERSONALLY ALSO FEELS IT'S A DISCRIMINATORY ACT.
I HAVE BEEN TO SEVERAL BANKS WITH THE ISSUE AND NO ONE WANTS TO HONOR THE PROMOTION FOR OVER A YEAR. WHY?
ALL REQUIREMENTS WERE MET. IS IT THE XXXX OR THE PIGMENT OF THE SKIN.
|
| 11/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I paid off my Target credit card with proceeds from a home equity line of credit. Twice Target rejected the payment. I used the same payment information for my other credit card companies and had no problem whatsoever. I had to move the funds to a checking account and pay them off from that. Target charged me {$29.00} for each payment and closed my account without giving proper notification which I am concerned will reflect negatively on my credit. There was {$60000.00} in the account where they repeatedly rejected the payment. There was no point in time where the funds were not there.
I called their customer service and they acknowledged the problem, but refuse to fix it. Furthermore, since they erroneously closed my account I can not get access to my electronic statement. Every time I try to log in with my correct username and password, it insists on sending a secondary identification one-time password to my email, but the code repeatedly either shows up after the 15-minute expiration window or the passcode simply doesn't work. So now I do not even have appropriate access to my account information with which to provide you the dates of the payments and amounts.
I have the following concerns : 1 ) Target negatively impacted my credit erroneously and categorically refused my rights to a credit dispute. They said they were willing to dispute the payment for the {$29.00} fee but would not even open a dispute for the credit reporting.
2 ) Limiting my access to my account information with which to properly dispute the credit mistake is a further violation of my rights to properly file a dispute.
3 ) When Target chose to close my account they did not provide appropriate notification of adverse action.
How many other people are being denied their basic rights to a credit dispute? I would understand if they opened a dispute and we disagreed on the outcome, but Target categorically refused to even open a credit dispute. This seems to represent systemic problems complying with consumer credit protection laws. I'm a good customer with excellent credit and payment history. If this can happen to me I am concerned with how more vulnerable populations are being exploited. I would really appreciate the CFPB 's assistance in looking into this matter and fear the scope of this is more than a simple one-off. I really think this warrants a more broad review of policies, procedures, and front-line customer service training. I am concerned that their agents are operating without a basic understanding of the laws with which they are beholden.
|
| 08/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
To Whom It May Concern : I have been a customer of TD Bank for 25 years, although originally XXXX XXXX. I can say that the customer service and operations of the bank have gone completely down hill since XXXX was acquired by TD.
I had a overdraft line of credit from TD Bank on my checking account, which I had for nearly 20 years. That account had fraud on the account, and needed to be closed. At that time, I was unable to use my overdraft line with my new account. I paid the balance down to {$4.00}, but was unable to pay the final balance online from my account as I have done for 20 years. Since I was unable to pay and I did not receive a payment due notice, I did not make a minimum payment, which would have been {$0.00} or less, based on the balance. This occurred in XXXX of this year, right as XXXX XXXX was becoming an issue and as bank branches were closing.
I downloaded a credit report in XXXX due to a potential loan for a boat and realized there was a 60 day late payment on my account from TD Bank. I was not notified there was a payment due, the payment was late or they were adding late fees of {$5.00} per month on my account. I had significant funds in my other 6 TD accounts to be able to pay the balance, which I wasn't able to do through TD 's website or normal channels. I spoke to TD and on the phone, they were able to have the balance paid from my existing accounts in XXXX. They requested I send a letter, which I did, to dispute this from my credit report. In the prior 25 years, I had never made a late payment to XXXX Bank or XXXX bank on any of my loans. They responded with a from letter that the dispute was rejected.
This negative payment, the only one on my credit report, is causing my credit score to be as much as XXXX points lower than it should be. It is causing me to have significantly higher on any loans I have applied for, including a recent RV, which caused my interest rate to be 8.5 % versus 5.99 %, meaning I would be paying an extra {$500.00} per month for no reason.
I tried reaching TD Customer Service last week and spent 5 hours being bounced around, having my calls dropped and never being able to speak to the correct person to try and get this dispute resolved. I believe this both a violation of standards a bank should use in allowing customers to pay their bills, to notify them of potential violations before it would affect their credit or using common sense to avoid an issue with a 20 year client.
I am hopeful the CFPB can at least get me to speak to someone at TD Bank to get this resolved.
|
| 08/25/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
Account Number XXXX XXXX XXXX XXXX In XXXX of XXXX, I was connected to a representative to whom I shared with them that my requested billing date was off by one day. I explained to the representative that I am paid monthly on the XXXX and to ensure I am able to maintain credit worthiness, I requested my due date be changed from the XXXX to the XXXX of every month. I was told by the representative that the one day off mistake was made by XXXX when they sent my information to be processed and TD Finance could not make that determination to change the billing date. I was told I would need to speak with a representative from XXXX to resolve the matter. I contacted XXXX and was told the information I received was false and the finance company has the power to fix the mistake.
I was persistent in trying to resolve this matter and paid my bill in XXXX on the XXXX when I was paid and was accessed a late charge. I contacted TD XXXX to resolve the matter and was told there was nothing that could be done to change the billing date and nothing could be done to adjust my account to waive the late fee. I did the same in XXXX and spoke to a representative who told me I was the customer, and who did I think I was requesting a set due date. The representative went on to tell me I had a lot of nerve and I could pay the bill at the end of the day on the XXXX so the payment would not be debited from my account until the XXXX. I explained this was a risky practice and I could run into the possibility of the transaction being debited same day. I also mentioned to the representative that all of my other creditors have been accommodating and have given me the XXXX as a due date so I will not assessed late fees. The representative responded back, with the reminder that we ( TD XXXX ) are not all of your other creditors. I explained to the representative that the companys unwillingness to change my due date by one day was causing an unnecessary hardship. The representative remained firm that there was nothing that could be done. I was also denied my request to speak with a supervisor.
Additionally, in XX/XX/2021 I was charged a late fee of {$24.00}. In XXXX I paid my bill of {$78.00} but was charged an additionally late fee in the amount of {$24.00} even though the bill was paid. There is no reference in my received documents that a late fee can be assessed when a late fee is not paid. The late fee is only assessed when the original minimum amount owed is not paid which is not the case in this instance since I paid the minimum monthly amount.
|
| 08/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I had a credit card with XXXX XXXX. I authorized the card to be paid monthly from my XXXX XXXX account Unknown to me, XXXX transferred my credit card to TD Bank.
I saw a charge on my XXXX account for XXXX from TD Bank on XX/XX/20. I went to XXXX and filled out a form to dispute it, as I did not knowingly have a credit card from TD Bank. It was reversed on XX/XX/20.
On XX/XX/20, there was another automated withdrawal from TD Bank, this time for XXXX. I later found out that that amount included the previous amount of XXXX, plus XXXX charges and interest. I told XXXX not to accept any charges from TD Bank, and tried to dispute it, but XXXX said I had to come in in person to fill out a dispute form, which I didn't want to do because of COVID-19. On XX/XX/20 they decided to reverse it without me going in person to the bank, which I didn't realize until later.
On XX/XX/20 I realized that the TD Bank credit card was actually the XXXX XXXX credit card, and that the charge was valid, and I immediately wrote a check # XXXX for {$6.00} which includes another {$1.00} in fees. I contacted TD and offered to not ask XXXX to reverse the charge if they would remove the XXXX fees and interest. They agreed, and sent me a check for {$3.00}.
On XX/XX/20 TD again charged my account for {$5.00}, which XXXX reversed on XX/XX/20, because I had previously told them not to accept charges from TD Bank.
I can provide a copy of the check cashed by TD Bank.
( 1 ) This mix-up was entirely TD Bank 's and XXXX XXXX 's fault. I was not informed that my XXXX XXXX credit card had been changed to a TD Bank credit card, so I did not recognize the automatic withdrawal from my XXXX XXXX checking account. Which is why I had the charge reversed.
( 2 ) I paid the entire amount via check # XXXX as soon as I discovered the problem, and TD Bank cashed the check.
( 3 ) TD Bank agreed not to charge me interest and fees as it was their fault for the mix-up. That's why they sent me a check for {$3.00}.
( 4 ) I paid the entire amount due of {$3.00}. However, if TD will agree to remove the negative mark on my credit report, I will pay the additional {$3.00} in interest / fees. Since XXXX XXXX did reverse the charge on XXXX because I had originally told them that a charge from TD Bank wasn't valid. Although I didn't know that XXXX would actually remove the charge without me going in person to fill out a dispute form, as they had said that they would not, but they apparently changed their policy due to COVID-19.
Please note that this is COVID-19 related.
|
| 02/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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My husband and I used TD Bank for a conventional 30 year mortgage. We stared the process in XX/XX/2018. We closed on XX/XX/2018.
On XX/XX/2018 a document stated cash to close was {$72000.00}. On XX/XX/2018 another document cash to close was {$65000.00}.
On XX/XX/2018, we were contacted by XXXX XXXX from TD Bank and she requested that we confirm for her the the amount of our deposit to the builder ( {$18000.00} ) and the total home price ( {$370000.00} ). We sent this to her in an email, of which will still have a copy of. We never heard anything back from the bank.
We figured from the cash to close information we previously received and leaving some room for error, we figured the money we would need would be about {$75000.00} Although TD Bank had all the required documentation needed from us, along with the correct purchase price/ deposit ( sent to the bank on XX/XX/18 ) we never received any settlement information from them. On the day of closing, we had to contact them and request it be emailed to us.
On the day of closing, XX/XX/2018, less than 24 hours before our closing we received several settlement statements and to our surprise the final statement was {$16000.00} more than expected! We did not receive a correct settlement statement 24 hours prior to closing. We did not receive any information about cash to close after XX/XX/2018 when we sent TD Bank the information they requested about the deposit/ home price. We were placed in a very bad situation due to the fact that TD Bank did not follow The Real Estate Settlement Procedures Act that requires that a settlement statement be given to all parties involved with the transaction 24 hours prior to the scheduled closing date. TD Bank also did not properly record the figures given to them on XX/XX/2018. We believe that is the reason why our cash to close/ settlement statement kept changing on XX/XX/2018 ( our closing date ).
The unexpected {$16000.00} was truly needed by us for moving/ traveling expenses but in order to close we had to us it. If TD Bank would have sent us a settlement statement prior to closing, we would have been able prepared for closing/ costs due.
We are filing this complaint after trying to work things out with TD Bank. Their response was that they did nothing wrong. We believe they did. As consumers we had to follow laws/ regulations to obtain a mortgage but TD Bank did not follow the guidelines/ laws placed on a lender. We are requesting that you look into this for us.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
|
| 08/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am a recovering victim of ID Theft which arose from a stolen wallet in XX/XX/XXXXand on XX/XX/XXXX I aquired my ( 3 ) credit reports from each of the bureaus and was horrified to find that there are ( 13 ) unknown accounts on my credit and numerous amounts of inquiries which I did not authorize.
On XX/XX/XXXX I wrote my first letter to XXXX XXXX XXXX. On XX/XX/XXXX and again on XX/XX/XXXX I wrote to the creditor XXXX XXXX XXXX and informed them that the account was unknown to me and that I requested full validation for the account. Please see the attached letters and proof of mail by certified delivery informing the creditor/agent they are reporting an account that is unknown to me and that they are reporting inaccurate data regarding this account and th reply from the company, please note the incorrect address that XXXX XXXX XXXX has relating to this account XXXX of which it is unknown to me.
To determine if this is an issue of identity theft or somebody with the same name as I, I requested information verifying the transaction and details such as ; 1. was this account opened in person or on line 2. what identification was used to verify the customer opening the account therefore, to determine this my request was for validation including competent evidence bearing my signature and a copy of the instrument used to secure a contractual agreement that now proves I am obligated to pay.
I made it clear in my letters that the negative marks found on my credit report held by the ( 3 ) reporting bureaus and reported by their company or any other company that they represent for this debt that I do not owe IS a violation of the FCRA and FDCPA and I requested that if this debt can not not be validated this company must take steps to have all reporting bureaus delete this entry immediately.
It is ridiculous that it is now over 120 days since my initial request for validation in XX/XX/XXXX, and the only documents sent to me were copies of statements requesting payment. My latest request to XXXX XXXX XXXX made XX/XX/XXXX is now well over the 30 days time frame as per law and this collection company is out of compliance.
Under advise, I wish to informed XXXX XXXX XXXX that I am prepared to take steps to file a small claim case in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
|
| 03/31/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Money was not available when promised
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Web |
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On XX/XX/XXXX I went into my local TD Bank branch to send a wire money transfer to XXXX. The amount was approximately {$50000.00} us. I was told by the representative there that it usually takes three to four business days to get the money on the other end. On XX/XX/XXXX, as the money has not arrived to the destination yet I communicated with the destination bank and found out that the XXXX code that I provided was wrong. On XX/XX/XXXX I provided the correct XXXX code to TD and they said they can include that in the wire transfer to have it sent to the proper destination. Since XX/XX/XXXX I have had multiple communications with TD Bank with no explanation of why the money has not arrived at the destination until now, today is XX/XX/XXXX. The explanation that I get from TD is the intermediary bank, which TD Bank uses, has the money and they have been trying to reach them with no answer. It is very concerning to me the TD chooses to use an intermediary bank and send their clients money to and they have no way of communicating with that bank or tracing their clients money. Until this point I have no answer from TD as to where my money is. This money is used to pay a loan to my corporation in XXXX and should have been there by XX/XX/XXXX. I acknowledge that I provided the wrong Swift codes, but at the very worst case scenario if the time I was quoted earlier of 3 to 4 business days was when you have the correct information, having the wrong information and correcting it should not should not take more than double the time. It's now about 20 business days and I have no idea where the money is. The destination Bank in XXXX, XXXX XXXX XXXX XXXX does not require an intermediary bank. Unfortunately TD is blaming the intermediary bank and completely not taking ownership of their selection of that bank. At some point during the process the intermediary Bank asked for extra information which works provided immediately including my residency status, citizenship and place of birth. I find it very puzzling that a bank is asking about my place of birth for the sake of sending a wire transfer, it sounds like XXXX profiling to me. All the above information can be corroborated with the chain of emails that I had with TD Bank. I also find it concerning that TD never mentioned that they use an intermediary bank. It's worth noting that last year I sent a wire transfer using TD Bank to XXXX to a different to a different bank account using all the correct information yet that wire transfer was also delayed and I was not given a good reason.
|
| 04/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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XXXX XXXX Last Four of Social : XXXX Account Number : XXXX Dates of Delinquency : XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 The consumer is violating my rights under the FCRA to conduct a reasonable reinvestigation and told me via email that they do not have to response to be inquiries regarding the delinquency on my credit profile. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate. ( Thomas v. Hyundai Capital Am. ) My inquiries about the delinquencies on my credit profile are not frivolous.
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating : Account Number : XXXX Dates of Delinquency : XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.
Please tell me how you verified these items. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. On this account ( XXXX ) some months are reporting as late with your company but the other two bureaus are reporting something different this means that the account has not been properly verified. Please delete let late payments on the account immediately.Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated.
Best Regards,
|
| 08/25/2017 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Wrong amount charged or received
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|
Web |
Servicemember |
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OnXX/XX/XXXX I visited TD Bank branch in XXXX XXXX XXXX to complete international wire transfer. Employee XXXX was assisting me, I specifically requested the funds ( USDXXXX ) to be transferred in USD, while performing the task, XXXX XXXX me that the funds " switched to CZK '' when I asked why, he stated he did not know, I told him again, I really want him to transferred in USD, he replied that it would transferred to CZK and asked if I want the transfer to be completed or not ( misleading me to believe that the XXXX bank may be the issue, and there is nothing he can do ). As I was led to believe that there is no other way to complete the transfer than in CZK, I agreed. By this exchange transaction, I immediately lost approx XXXXUSD, resulting in further loss of another XXXXUSD when the funds had to be transferred back to USD in the bank in XXXX. Since I was led to believe that this was XXXX bank issue ( and not TD ), we contacted the bank and was advised that the transfer was incorrectly performed by TD. When I contacted the TD branch, I was advised by the assistant manager XXXX, that the funds can be easily transferred in USD, that the system is just " a little tricky '' and if the funds are converted, you have to exit the transfer and start again. When I contacted the manager of the bank, she was rude, uncooperative, and when I met her in person and spoke to XXXX, he was lying about " offering me to exit the transfer and re-start the transfer in USD '' ( which he certainly did not, nor was he probably even aware of the issue at the time of the transfer, and it was exactly what the assistant manager advised me prior, and I repeated to the manager when I talked to her on the phone earlier that day ), he said that I was fine with transfer in CZK that I really did not care ( not true ), and the manager advised me since I signed the transfer form, there is nothing she can do for me. I wrote letter to TD Bank corporate office in attempt to resolve this issue, but never heard back. I am deeply disappointed and concerned with TD process and unwillingness to address this issue. The transfer fee was XXXXUSD ( which would be all I would pay ), however, by the incapability of their employee and/or defective system, TD instantly gained additional approx. XXXXUSD by converting my money to foreign currency. It certainly raises a question how often this happens ( I doubt I am the only one who experience this issue ), and if TD is aware and just does not want to correct this issue ( there certainly was not any effort on TD side ).
|
| 10/14/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
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|
Web |
Servicemember |
|
On XXXX XX/XX/2020 I tried to access my account with TD Bank. I noticed that my password wasn't working. After changing my password and looking at my accounts, I noticed that I had {$1000.00} less on my Landlord account, which is always at a specific balance. Then I noticed that my checking account had a transfer of {$1000.00} on XXXX XX/XX/2020 to a XXXX XXXX through an app called XXXX that is available on the TD Bank website. The only time I use this app is to pay my rent to my landlord, which is clearly documented on my transactions with XXXX. I do not know a XXXX XXXX, nor did I send him {$1000.00}.
I called the bank and also went to the bank and closed all my accounts and opened new ones on XXXX XX/XX/2020. They filed a claim the same day at the bank. I gave them time to investigate the claim and on XXXX XX/XX/2020 when I didnt hear back from the bank I called again and was told the claim was denied. They also told me that I should call the person who is on the transfer information which has a phone number from Florida. I called that number and got a answering service the first time and the second time, he said he didnt know who I was and didnt have my {$1000.00}. I went back to the bank to get an explanation as to why this was denied and was told the claim was denied on XXXX XX/XX/2020. They told me that I would need to file a police report. That same day I went to the police station and filed a report. Currently investigator are reviewing the documents they asked me for. When I got home I had a letter from TD Bank stating the claim was denied and I could request documentation of the investigation the bank did. That same day I called the bank and ask for the documentation. I spoke to XXXX and she listened to my story and looked at my file and said that this looked questionable and she resubmitted my claim that same day. I called the bank again on XXXX XX/XX/2020 to check the status of the resubmitted claim and XXXX told me the claim is still pending and that is a good sign because usually they deny them right away. He also told me that he sees some questionable activity on my account from IP addresses from Florida and another location. I gave them another few days and called them again on XXXX XX/XX/2020 and spoke to XXXX who told me that he doesnt see anything in the system at all from the resubmitted claim from XXXX XX/XX/2020. He said he could only go back to XXXX XX/XX/2020. He suggested to submit the claim again. This is going on for over a month and all I am getting is the run around with no resolution.
|
| 04/09/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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|
Web |
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I have a credit acct with TD XXXX Card Services from XXXX XXXX XXXX. In XX/XX/XXXX I paid my acct. 1 day late ( made pymt on XX/XX/XXXX ) and was charged {$27.00} late fee. In XX/XX/XXXX I paid it 2 days last ( made pymt on XX/XX/XXXX ) and was charged {$40.00} late fee this time, a {$13.00} increase. Both times I called to ask for assistance with the late charges and if they could offer a hardship and they refused to refund the late charges and said I was not eligible for a hardship. I explained I am out of work, I lost my job due to the COVID pandemic and juggling to pay the bills but make sure this gets paid every month. I was told I used a hardship for deferred pymts from XX/XX/XXXX until XX/XX/XXXX, when I actually only used the deferral for XXXX and XX/XX/XXXX. They stated both times I was not eligible for another hardship. I asked if I could re-apply for another hardship since I did not use the entire 6 months they offered but I was declined. I make the pymts monthly but was late due to having to make mortgage obligations and make their pymt once I receive my unemployment. They are not willing to work with me to make the pymt due date a few days later to avoid the late charges. When I asked to speak to a supervisor I was told there is nothing the supervisor could do and told me it would be a long wait to speak with a supervisor, When I was on hold for the supervisor, they disconnected me. XX/XX/XXXX 's pymt was 3 days late ( made pymt on XXXX ) so I included the late charge when I made the pymt. on XXXX. When I seen my next bill online they still included the late charge of {$40.00} with the next pymt. ( {$170.00} ) for a total due of {$210.00}. When I called to see why I was told the late fee was applied to my principal and nothing she could do about it. When I asked if she could re-apply the {$40.00} I paid with the pymt to the late fee she said no as I tried to explain I am having a hard time making the pymts and to see if she could ask if this could be done she in a hurry said no and thanked me for calling and rudely hung up. Her agent id # XXXX. With my unemployment and the pandemic stimulus payments it does not come near to what I was making while employed. My wife has been out on FMLA due to an unexpected XXXX. I am not looking to not make my payments, just a little assistance with the due date change or the late fee waved, as I have tried to explain this to the credit company. Given we are in the mist of a pandemic I don't know how they can continue to charge late fees and then raise the late charge.
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
XXXX XXXX XXXX should only sell large Appliances through dealers and discontinue selling online. I purchased a XXXX XXXX online because it listed a {$400.00} discount. It was a total disaster. Later, I learned XXXX offered the same discount although they didnt advertised it.
1. Defective Product. The large appliance was a refrigerator purchased online from XXXX. It was delivered by XXXX, a delivery and repair service for XXXX. XXXX made XXXX trips to my home and spent 3 months before the refrigerator was acceptable ( XX/XX/XXXX- XX/XX/XXXX ) : dented doors, wrong model doors, two right doors shipped together, etc. ).
2. Incorrect Fee Charges. I accepted a deferred interest payment plan. I bank online and requested online statements ( see item 4 ). I set up all payments in XX/XX/XXXX, when the refrigerator was finally acceptable, of {$150.00} per month for 11 months and a final payment of {$110.00} on XX/XX/XXXX ( total {$1700.00} ). This equaled the total amount due on the shipping & billing document given to me by XXXX ( see documents 1 & 2 ). Apparently, I missed something as my account was charged {$290.00} on XX/XX/XXXX for deferred interest ( over 30 % average monthly outstanding? ).
3. Bad Customer Service. XXXX banking partner, TD Retail, is impossible to communicate with. I have been working on a resolution for 3 months. I called XXXX and the automated attendant did not offer any option to speak with an individual. On the 3rd call, I tried using 0 for the operator and after a 20-minute wait, was successful in talking to a live person. That person instructed me to go to the web site onlineaccount.net '' and fill out a dispute form. I did that and filled in the form, sent it snail mail as requested and also emailed it to TD Retail ( see document 3 ). I have since dialed XXXX selecting 0 many times. Invariably I get the following results : a. Sorry, I dont have the authority to make adjustments or b : The line is dropped transferring the call to another person to assist me. Never any answers.
4. Major Deficiencies in the Customer Service Portal. Getting the site to open is problematic. Sometimes anti-virus warns not to open the site and other times the system is down ( see document 4,5,6 ). Statements can not be rendered to the screen or downloaded ( document 7 ). An incomplete list of transactions can be rendered ( document 8 ). I have called concerning these problems, but those answering do not know how the system works and phone transfers to a knowledgeable staff invariably result in dropped calls.
|
| 11/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
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|
Web |
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I opened a business line of credit using my personal information interest only payments monthly. XX/XX/XXXX it was approved for XXXX for working capital XX/XX/XXXX The small business VP ( XXXX XXXX ) that opened the line of credit contacted me and said line coming up for renewal and I needed to handle a few credit concerns.
I explained to her those concerns were there when the loan was opened and if they now wanted me to address them could they supply me with more information on who to contact to even see if they are valid.
She requested I send what I have to her of which I did.
XX/XX/XXXX I get a phone call from TD bank telling me they are terming out my line of credit for delinquent credit, I informed the person I was already dealing with VP of small business and nothing has been delinquent with my 8 year history with TD bank. I receive a phone call back from the VP of small business said the phone call was an error and my information was sent to the underwriters and she would let me know when she heard back how we move forward.
XX/XX/XXXX I sent email to VP of small Business asking what the outcome was or what is happening with the underwriters in regards to my line of credit.
XX/XX/XXXX I sent email to VP of small Business asking again about out come as no response from previous email XX/XX/XXXX My son contacts me says TD bank came to my home and the man told him to tell me to contact TD cause he is an appraiser. I send VP of small business and email of this situation. I then receive a phone call from an outsourced lender ( XXXX XXXX ) that informed me TD was no longer handling my loan as I refused to come in and term out the loan. I explained this is absolutely not true he said he would discuss account with his boss and TD and contact me back.
XX/XX/XXXX I never heard back from him or TD so I sent Another email to VP of small business that I would be contacting CFPB if they would not explain to me what is going on and why no one is willing to meet with me face to face like all my transactions concerning loans or line of credits for the past 8 years.
XX/XX/XXXX I receive a letter in the mail saying now that they are doing a term loan for remaining balance of XXXX and they are addressing my email XX/XX/XXXX and Now the letter says the man that called me is assistant VP of the bank.
I have never in my 30 year history of dealing with banks and credit unions felt so confused and misguided only to write in and the confusion continues. I am being lied to and I have no idea why this is necessary.
|
| 12/05/2023 |
Yes |
- Credit card
- Store credit card
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
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|
To whom it may concern : On XX/XX/XXXX I paid my bill under the above account number via the website. In my haste to pay my bills, I inadvertently selected the wrong account to pay the bill for XX/XX/XXXX. I was alerted to this minor discrepancy via a letter on XX/XX/XXXX that the payment was returned due to insufficient funds. I quickly got back on the website and set up a new payment with the correct account. The payment was submitted with more than enough time to keep my account in good standing with no late payments. As of XXXX XXXXXX/XX/XXXX, I was alerted to a major decline in my credit score and a repotted bounced check on my score. In looking into this I found my credit limit was decreased well below what the balance is on the account in what I can assume is a punitive measure on the bank 's part for an account that is in good standing and has never been late. Further, this oversight could have been fixed with a phone call or an email given the time frame of the due date. Today I called the customer service line at XXXXXXXX XXXX After a long hold, I talked to the first call taker XXXX XXXX XXXX ) who could offer no rhyme or reason as to why my account was treated in such a fashion. XXXX then put me in touch with XXXX who stated she was a supervisor. XXXX couldn't care less what I had to say and offered nothing but to call the credit department and seek to increase my credit limit which is counter-intuitive to keeping a good credit score. XXXX then hung up on me without even connecting me to the credit department. I then spent the next hours trying to get back in contact with someone that would help me. After XXXX separate attempts with an hour hold and one transfer to the mortgage department, I was connected with XXXX. XXXX unlike XXXX had the decency to listen to what had taken place and at the end of my explanation of what had taken place was baffled as to why the bank and its systems would have taken such a punitive sentence for an account in good standings and that has never been late. XXXX provided me with the format to seek upper management and connected me to the credit department and to XXXX. XXXX, like XXXX, was unprofessional and offered no meaningful customer service. In closing, I hope whoever in upper management can fix this unfair reporting to my credit file and dreadful customer service that cost me XXXX hours of calling time. Now my credit file is dinged XXXX or more points and the bank has turned my credit on this account 109 % over limit for nothing.
Respectfully, XXXX XXXX XXXX XXXX
|
| 07/11/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
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This complaint is regarding XXXX XXXX XXXX billing and fee practices.
In XXXX of XXXX, we received a bill from XXXX XXXX XXXX stating we owed XXXX {$430.00} for a bill we did not pay.
I assumed it was a scam letter until I tried to call XXXX.
No one in any department would speak to me at XXXX because this bill was in collections.
I had no way to know what happened and what the bill was for until the XXXX XXXX XXXX sent me a copy of the XXXX bills ( all stating these bills were not mailed to us ).
My notes : XXXX ) All my XXXX bills are mailed to me so I have a paper copy reminder to mail my bill.
XXXX ) I do not use this card often. At XXXX, XXXX, XXXX, I charged {$130.00}.
This is what I learned through written correspondence, as XXXX will only let you investigate by snail mail.
XXXX ) XXXX mailed my bill in XX/XX/XXXX. All our bills were forwarded for XXXX months while we were in CA with my parents.
XXXX ) XXXX does not forward bills so it was returned to XXXX.
XXXX ) For the next XXXX months, XXXX did not send me a bill, did not call me, did not attempt to email me ( all this information is on file ).
XXXX ) Each month they charged me interest fees and late fees.
My first letter from XXXX simply listed what XXXX did ( charged late fees and interest each month because the bill was not made ). The last line states they sent me a bill ( but XXXX does not acknowledge that bill was not forwarded ( as is there practice ) and does not acknowledge never mailing me any of these bills.
I have ( had ) excellent credit.
We always pay the full amount of our bills each month ( unless a XXXX interest rate is offered ).
I have repeatedly asked XXXX for a reasonable response to their business not notifying me during these XXXX months of late fees but they only send the same letter again and again. I have not been able to talk with a human at XXXX.
In contrast, the credit collection company has been exceptionally informative of the XXXX practices of not forwarding bills and mailing me copies of the bills that clearly state, they were not mailed to me.
PLEASE HELP ME!!!
I contact the XXXX XXXX XXXX XXXX MN, and XXXX sent them the same letter that mailed me. BBB said they are only mediators.
I sent the entire documentation to the Attorney General 's XXXX XXXX MN and after XXXX weeks they contacted me and said I need to work through WI, my home state.
WI XXXX XXXX XXXX sent me to the WI XXXX. of XXXX XXXX who sent me to the XXXX XXXX XXXX Comptroller of the Currency who sent me to the XXXX XXXX XXXX.
|
| 06/11/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
Several customer service representatives and supervisors have unfairly, unprofessionally, misled and misinformed me about how to avoid overdraft fees. Only the last XXXX supervisors that I spoke with fully informed me how to avoid overdraft fees and even both of them had slightly different versions of how I can avoid overdraft fees. How am I suppose to avoid overdraft fees if I 'm not being properly informed by TD Bank 's customer service representatives and supervisors? I followed what I was told and directed to do and I still get hit with overdraft fees. This is seriously unprofessional and unfair to me because all I did was what I was instructed to do by several TD Bank 's customer service representatives and supervisors. I would like for your agency to review all of my recorded customer service conversations so that you can hear how many different, incorrect and incomplete versions of how to prevent overdraft fees I 've been told by TD Bank 's consumer service representatives and supervisors. Even if I read and signed TD Bank 's overdraft fees policy when I first opened my TD Bank checking account, I should n't be told different or incomplete misleading and misinforming versions of TD Banks overdraft policies, especially from TD Bank 's own customer services representatives and supervisors. I just figured and was falsely made to believe that TD Bank 's overdraft fees policies had changed based on the incorrect, unfair, misleading and misinforming information I received directly from several TD Bank customer service representatives and supervisors. A TD Bank customer service supervisor supposedly reviewed all of the recorded conversations between TD Bank 's customer service representatives, supervisors and me and that same TD Bank customer service supervisor concluded that I was fully and correctly informed and that nothing incomplete, misleading or misinforming was ever told to me in regards to any TD Bank 's overdraft fees policies by any of the TD Bank customer service representatives or supervisors I spoke with. To this moment, because of all the endless different versions I been told or received or also because of the lack of information provided by TD Bank 's customer service representatives and supervisors, I still do n't know what are the real and correct overdraft fees policies at TD Bank. Plus I had to endlessly plead with and almost beg the last TD Bank customer service supervisor I spoke with to have someone look into my complaints and unfairly and unprofessionally no one has ever called me back.
|
| 02/21/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
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Im a victim of fraudulent scam someone deposited fraudulent checks into my checking account I met this person online the person told me that he is involved with a charity program doing charity work for the XXXX and under privilege people he told me the program involves with the XXXX XXXX XXXX and the XXXX and I could register to get involved with the program and it will be like a part time job where I will be payed by doing charity work for the program everything sounded legit so I did the registration he said he needed my banking account information in order to deposit their money for me to purchase Items like XXXX gift cards so I gave him my account number and he deposited the first check in the amount of XXXX dollars so I purchased the gift cards worth the value of the money and tell hem each number from the back of each card for him to send to the XXXX in the meanwhile I though everything was legit then he deposited another check in the amount of XXXX dollars and asked me to purchase more gift cards worth the value of the money and let him know the numbers on the back of the cards which I did on the XX/XX/19 I tried to access my checking account and was unable to do so then I contact my Bank which is Td bank to asked why I cant accessed my account then they told me my account is overdraft by XXXX XXXX dollars and I need to come in and speak to customers service which I did on the same day I told them what had but I did not know the checks was fraudulent they told me to make a police report so I went to the XXXX precinct in XXXX XXXX where I live to make the report then I had an appointment to speak with the detective at the precinct which he asked me to asked the bank for a copy of the checks and all the gifts cards for him to make copies for the investigation which I did he gave me the police report to take back to the bank which I did the bank made me do an affidavit stating I didnt endorse the checks and I was allowed to open a new checking account. I got a letter from Td bank dated XX/XX/19 stating my account is overdrawn and I need to remit the amount at my local td bank Store after I submitted a police report and did a sworn affidavit they still asking me to pay off the debit even though Im the victim of fraudulent scam my salary went into the account when I asked them for my salary they didnt give it to me honestly I didnt know that I was being scammed I though the program was legit else I would not have given out my banking information and Im so hurt about the whole situation cant even get over it.
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| 12/01/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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TD bank- XXXX XXXX credit card has called my personal phone to harass and annoy me into paying my monthly payment. Answered their call on XX/XX/2022. The call lasted 10 minutes and 35 seconds. I explained my situation to the agent and requested some assistance since I had been out sick for 8 months and my work XXXX benefit had not been sent my pay in a timely manner plus my expenses increased due to illness. I was provided options which I informed the agent I would consider and contact TD Bank as soon as I had the amount owed or the amount to settle.
Here is a list of all the times I have recevied a call from TD Bank : XXXX - I was recuperating from Covid, XXXX XXXX, XXXX XXXX and pnemonia.
XX/XX/XXXX Incoming XXXX 2 sec Incoming XXXX 15 sec Incoming XXXX 5 minutes 30 sec XXXX I returned to work XXXX XX/XX/XXXX after 8 months ill.
XX/XX/XXXX Incoming XXXX did not answer Incoming XXXX 10 min 35 sec XX/XX/XXXX Incoming XXXX did not answer Incoming XXXX Did not answer XX/XX/XXXX Incoming XXXX did not answer Incoming XXXX missed Incoming XXXX did not answer XX/XX/XXXX Outgoing XXXX AM- 1 second ( hung up on me ) Incoming XXXX missed Incoming XXXX did not answer Incoming XXXX 6 seconds ( no one answered and hung up on me ) XX/XX/XXXX Incoming XXXX 4 seconds ( no one answered and hung up on me ) Incoming XXXX 2 seconds ( no one answered and hung up on me ) Incoming XXXX 2 seconds ( no one answered and hung up on me ) XX/XX/XXXX Incoming XXXX did not answer I blocked the number after XX/XX/XXXX and the following calls have been blocked but my phone still shows me that TD bank has called.
XX/XX/XXXX Incoming XXXX XX/XX/XXXX Incoming XXXX Incoming XXXX XX/XX/XXXX Incoming XXXX Incoming XXXX The calls from the month of XXXX have mainly been received during my work hours I work from XXXX to XXXX Monday-Friday.
I am overwhelmed by the amount of calls received in one day, and more so by the 20 calls received in the month of XXXX.
Clause violated 22 times ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location ;
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| 10/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Affidavit Of Truth To Update Information XXXX XXXX NOTICE AND DEMAND TO UPDATE INFORMATION From : XXXX XXXX XXXX XXXXcation : XXXX XXXX XXXX XXXX City & State : XXXX XXXX PA XXXX To : TD BANK USA/TARGETCRED Address : XXXX XXXX XXXX City & State : XXXX, MN Zip Code : XXXX REF : Your correspondence purporting to allege LATE PAYMENT TD BANK USA/TARGETCRED Account # XXXX NOTICE OF CLAIM UPDATE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS *******SILENCE IS ACQUIESCENCE******* _____________________________________________________________________ I XXXXXXXX XXXX XXXXXXXX, A WOMEN, non-adverse , non-belligerent, non- combatant party and Executor with FULL LIFE am in possession of your recent voluntary submission of evidentiary documents.
TD BANK USA/TARGETCRED is in violation of 15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
TD BANK USA/TARGETCRED have reported to XXXX a late payment on XX/XX/2016.
Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. Update all payments to exceptional 2. Apologies to me in writing Failure to comply will result in a violation 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
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| 02/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I reached out to this company several times in hopes of trying to resolve this matter. I was sold a lemon vehicle of which I was trying to pay the car payment and multiple repairs totaling over 15,000.00. In XXXX, I called the company to advise of payment being sent and was advised by the representative not to send payment, in fact the company was not longer collecting on the vehicle as it was too old and had no value. I was advised someone from collections will be in touch with me to further discuss payoff and get me my title and that never happened. upon calling them back in XX/XX/XXXX and again in XX/XX/XXXX and again in XX/XX/XXXX and XX/XX/XXXX I was advised the due to the original creditor going bankrupt they could no longer collect on this item and the {$8000.00} ( + ) still owed was expunged and I would receive a letter and title in the mail by the end of XXXX well that never happened. now when I call them I get the run around and nobody calls me back. I reached out to them several times even more recently because when I disputed this item several times on my credit reports with XXXX, XXXX, and XXXX they went in and now said the item in collections for {$14000.00} ( + ) dollars. How can they now want so much money for a 14 year old vehicle and where did they get these figures from. I never rec 'd anything indicating I owed them again since the original conversation in XXXX nor did they send any collection letters or contact me and none of my information has changed. they also are reporting repossession and redeemed and that is not accurate. I paid the vehicle before it every got to that status, not to mention this being on my reports and it is not accurate at all. I tried everything I know to get this resolved and to date I have been unsuccessful on my own. I have all the repair documents and the financing documents for the vehicle still and never rec 'd anything from them releasing me besides verbal authorization. Lastly for over 7 years I was paying for a vehicle and being robbed as the monies were not being credited appropriately as per the terms and conditions of the contract. When I went back to the original dealer on this issue I was advised they closed down for faulty contacts and swindling people. When I contacted the financing company I got the same information and they then went bankrupt after receiving bail out money from government. Then TD auto finance purchased the account and pretty much started my payments all over again and increased my balances. which should be considered unlawful.
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| 01/11/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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To whom this concerns, My name is XXXX XXXX. I am looking to file a dispute with you for a transaction that was filed threw the XXXX app. The dispute case number is XXXX. This first charge was charging me XXXX threw XXXX for bit coin and on this email that was sent to me was a number that you use to call to let them know that this transaction was not you. When calling that number, they stated that they want to have transfer money to my partner. This transaction was for the sum of {$4.00} and some change. I will be sending this information to you XXXX XXXX and XXXX. While on this call with this so-called representative my partner came home to help try to resolve this and he noticed that there where calls that where ringing in the call as well. When my partner spoke up and questioned why he hears ringing in this call the rep stated that there are other people here that are working with other customers. This went on for awhile and then my partner began to question this person that I was dealing with. We began to check the accounts and it did go through. The rep began to say that nothing will happen to your account, and you will be getting all your money back. He wanted to have us use the XXXX and XXXX app and then began to say that he wants to purchase an XXXX e-gift card for the sum of {$1.00}. Upon this request my partner had thought about this and said to me this is not right. Also, the agent was also asked how is the agent a certified rep from XXXX? The rep stated that he was and now he is using an offline server where the account will be safe. After two and a half hours he hung up and nothing was resolved Attached with this letter is the screen shot of the response from XXXX and the direct text message that was sent to my phone that claiming that this person was working from XXXX and the invoice from XXXX XXXX a suppose representative from XXXX XXXX. Plus, a police report will be corresponding to this as well from XXXX XXXX Police Department. There were no other benefits from me loosing out on the hard-earned money that worked for and now that I am out of this money from this scam ; this has caused many financial issues for me. I did not benefit from any of the actions from XXXX or even gained any financial stability. Once this police report is filed I will submit the report to the bank to help resolve the matter. If there is any other information that you need, please feel free to call me or reach out by email.
Thank you for your time. And I hope to speak with you.
XXXX XXXX Email Address : XXXX XXXX
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| 09/11/2016 |
Yes |
- Money transfers
- Domestic (US) money transfer
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Web |
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On XXXX XXXX, 2016 I made a online purchase at XXXX for a HP Envy XXXX All-In-One Printer. On XXXX XXXX, XXXX XXXX received an electronic transfer from my bank in the amount of {$57.00}. On XXXX XXXX, 2016 I received in the mail the wrong printer. I received a HP Envy 4516. The start up disc that accompanied the Envy 4516 was for a Envy 4510 which according to the download error messages was only compatible with Windows 8. I ordered the the 4520 because the product description on XXXX stated that it was compatible with Windows 10 of which I run on my computers. The packing slip that accompanied the wrong computer identified XXXX as the company placing the order and shipping the item. On XXXX XXXX, 2016 I spoke with XXXX customer service representatives from XXXX. They each said that XXXX was not responsible for the item and I needed to send the item to XXXX who is listed on the XXXX website as the sold by company. On XXXX XXXX, 2016 I spoke with XXXX Manager, XXXX of the Corporate Escalation Division who stated that XXXX was not responsible for the product. According to the XXXX Return Policy : Items purchased at XXXX XXXX be returned to the store or by mail, unless stated otherwise in the list of exceptions below ( there was no list of exceptions stated in this return policy ). Items must be returned in the original manufactured package. Items purchased from a marketplace retailer ( I did not purchase the item from a marketplace retailer ) can not be return to a XXXX store or XXXX ; item must be return back to the marketplace retailer. I had no purchase interaction with XXXX, do n't know if it exists. XXXX took full responsibility as the company processing the order and shipping the order via email contact to me. According to XXXX Terms of Use # XXXX : By purchasing a product by any of our marketplace seller you acknowledge that all orders will be fulfilled by the marketplace retailer and not XXXX. Well my item was not fulfilled by XXXX nor any other marketplace retailer because XXXX did not engage in any purchase transaction transfer with me. XXXX did. Just like XXXX, XXXX and XXXX, are third party sellers in the XXXX stores I have purchased their items in the store and returned to the XXXX store when there was an issue with the item. As a XXXX customer I deserved to be given the same precedent that is used to satisfy their other customers as well. I wish to take the printer back to the nearest XXXX store and receive my refund the same as XXXX was received transfer funds prior to me receiving the printer.
|
| 08/26/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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-On XX/XX/22 I was sitting at home when I received an email from XXXX ( point of sale system ) with an automated receipt for a purchase just made using my debit card. Since I knew I did not make this purchase, I logged onto my TD Bank account to confirm whether or not there had been a fraudlent charge made using my card. Once I logged in, I saw XXXX charges that I was completely sure I did not make, as I had not even left my neighborhood in the past week, and certainly had not visited the vendors at which charges were made. I next looked for my debit card, which was missing, as was my drivers license.
- I called TDBank and filed a fraud claim, as well as closed the card out. The charges totaled {$200.00}. These are the charges 1- XXXX XXXX XXXX 2- XXXX XXXX XXXX {$8.00} 3- XXXX XXXX XXXX XXXX {$10.00} 4- XXXX XXXX XXXX {$140.00} 5- XXXX XXXX XXXX XXXX 6- XXXX XXXX {$11.00} 7- XXXX XXXX XXXX {$20.00} - TD Bank issued provisional credit to my account XXXX XX/XX/22 in the full amount of {$200.00} - On XX/XX/22, TD Bank reversed the credit to my account because they had denied my claim, stating " no aggressive usage or depletion of account ''. I called TD bank to receive the documents used to make such a determination and to seek closing my account, as I was told I was protected against fraud and clearly I was not. I was then advised to re-issue my claim first, so I did. Again, provisional credit was issued.
- On XX/XX/22, TD bank alerted me that the provisional charges would be reversed and my claim was again denied, now stating the reason " card was not utilized after you notified us to close the card ''.
- On XX/XX/22, I visited my local TD Bank in XXXX XXXX, XXXX to request to close my account because of the lack of financial protection. I also never received the documentation from the investigation I had requested. I was advised by a bank associate that I should file a police report first and file a third fraud claim with TD Bank. I did this but no provisional credit was issued, and no confirmation of the third claim has been issued.
- On XX/XX/22 I filed a police report for the fraudulent claims at my local precinct. As instructed by the TD associate, I faxed the police incident report slip over to their fraud claims department. I then called TD to let them know I had done so. I inquired about the documentation request I had made, only to find out there was no evidence that one had ever been submitted. So I again requested documentation. There has been no response from TDBank as of today XX/XX/22.
|
| 01/26/2017 |
Yes |
- Bank account or service
- Checking account
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Web |
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TD Bank is where I have my checking account for my small business.
The nature of this complaint is that TD Bank has deceptive online accounting processes that purposely inflate your actual " Available Balance '' which allows XXXX to over-write checks or over-make online bill-payments or over-withdraw from ATMs which then encourage you to dip below their monthly minimum balance of {$1500.00} to avoid paying a $ XXXXmonth fee if you EVER ( even for 1 minute ) dip below a balance of {$1500.00}. The gist of the issue is the following : Your main " Available Balance '' is always higher than it actually is if you use their online Bill Pay system which is outsourced to a 3rd party vendor. Why is this? Because when you make an online Bill Pay, they do not immediately debit your account for that amount for 5 days! Yes, 5 days! Why it is not instant is beyond me. Even if the funds are n't debited, your " Available Balance '' should reflect all of your online Bill Payments in real-time or at least within hours. To lag 5 days encourages you to always see that you have more money in your " Available Balance '' than you do. The net effect of this is that I have often dipped below my {$1500.00} minimum balance and been charged a $ XXXXmonth fee for doing so. The fee is charged whenever - even for a minute - your balance dips below {$1500.00}. Well if the online messaging shows " Available Balance '' AND shows that your Bill Pay status is PAID, XXXX would think that your " Available Balance '' amount would be accurate. Yet, each online Bill Payment has a 5 day lag. I have notified TD Bank of this sleazy accounting and they have done nothing.
I have uploaded 3 screenshots with a date and time on the first XXXX.
1 ) The first screenshot shows my available balance of {$4500.00}. It also shows no mention or accounting for a {$1000.00} payment to XXXX on XXXX/XXXX/2017.
2 ) The second screenshot shows NO PENDING PAYMENTS of any kind within my Bill Pay section of their system.
3 ) The third screenshot shows that my XXXX {$1000.00} payment ( made on XXXX/XXXX/2017 ) status is PAID, but wo n't be delivered for 5 days! This amount is NOT reflected in my " Available Balance '' for 5 days. This goes for every bill pay I make. So the more online Bill Pays you make, the more often you risk over-withdrawing, over-check-writing, or over-bill-paying and dipping below the monthly minimum balance of {$1500.00} needed to avoid a monthly fee of {$25.00}. So the more you transact, the more chances you have of dipping below {$1500.00}.
|
| 09/06/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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TD Bank is deceptively advertising new checking account bonuses which are impossible to receive for anyone, like myself, that receives Social Security Benefits due to their terms, despite the fact they specifically mention Social Security. I was about to open an account after visiting their website, however after reviewing the terms and visiting XXXX I can NOT have a Direct Deposit even start until 2 weeks beyond the allotted time frame of 60 days from account opening. Furthermore XXXX of the bonuses would need not only XXXX Direct Deposit from Social Security but at least XXXX or more or perhaps even more for other recipients. As of today XXXX/XXXX/16 the options from Social Security are : When would you like this change to take effect?
Starting with my payment in XXXX 2016 Starting with my payment in XXXX 2016 Yet their terms, link below, state the following : XXXX " *Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank, open their account online via this web page and complete the required qualifying criteria. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD Premier CheckingSM account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening. {$150.00} bonus available to eligible new personal checking Customers when opening a TD Convenience CheckingSM account with cumulative direct deposit funds of {$500.00} or more into the new account within 60 days of account opening. Qualifying direct deposits are recurring electronic deposits of your paycheck, pension or government benefits ( such as Social Security ) from your Employer or the Government. Person-to-Person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 95 days from account opening. Account must remain open, active, in good standing, and in the same product type through the qualifying period to receive the bonus. Bonus will be reported as taxable income to the IRS on a XXXX. Offer may be withdrawn at any time and is subject to change. One bonus per Customer and can not be combined with any other offer. TD Bank employees and XXXX cross-border banking Customers are not eligible. '' Their offer is not only false & deceptive but also discriminates against any Social Security recipent.
|
| 12/21/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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I opened a XXXX XXXX account for a new phone that I purchased. It just so happened that TD Bank was the credit company for them and Ive had nothing but a horrible experience as XXXX of their customers. It feels like since they are a third party for XXXX that they could care less about placing the customer first. I got on their payment platform and created my account to set up auto-pay like I do for ALL my other credit cards Ive used. Have had no issues with others except TD Bank decides that my checking account isnt valid for them to take payments even though it was entirely correct ( They can confirm with my credit union ). They started sending me several letters in the mail stating my payment wasnt being made and that I needed to pay. So I call them and explain the situation and none of their representatives offered any help at all. They had waived XXXX NSF charge for me but then the same issue kept happening where they werent taking my payments for auto-pay. So I complained more about these additional NSF and late charges they put on my account and they refused to offer any resolution. I decided since I was entirely done dealing with these people and this horrible credit company that Id pay my full balance and be done with them even though I had promotional interest. Well, I made my final payment and apparently they had payment issues so it took weeks for it to get fixed and then they simply reversed my payment and also sent me a check in the mail without notice. I cashed the check but then they reversed that too. At this point I was lost with what my account balance was or supposed to be and what I owed. They also refused to give any help or resolution the dozen times I called. So Im sure they have charged me a lot more than I actually owe them which is hard to tell based off how messed up my account is now. They also almost cost me losing out getting into my first home because I had paid them off but my payment was pending for so long it was hurting my debt to income and they refused to put a stop on the payment so my mortgage company could pay it off in closing. They literally put me through so much stress and frustration I was starting to have an anxiety attack and had leave work. Emotionally this has been awful. I just hope you can please provide a good resolution. I have all the dates for these charges listed below.
XX/XX/XXXX Late charge assessment : XXXX XX/XX/XXXX NSF Charge : XXXX XX/XX/XXXX NSF Charge : XXXX XX/XX/XXXX NSF Check Charge : XXXX XX/XX/XXXX Late Charge Assessment : XXXX
|
| 04/02/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
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On XX/XX/2022 i filed for Bankruptcy. 1 month Prior to filing, i completely paid off Target. I had a XXXX balance as of XX/XX/2022. I asked Target to please close my account. For whatever reason they never closed it! Target was not on the petition of the bankruptcy because it was no longer a debt. It was completely paid off 1 month prior of filing. This was before i was completely sure if i was going to file. Even my attorney told me it was not required on paid off accounts especially those that were paid off a month before filing. After i filed bankruptcy, Target took it upon themselves to report this account including in bankruptcy when it was clearly not part of the bankruptcy petition. It should of stated closed by consumer. They took a 2 year positive exceptional payment history, and turned it upside down into a negative status when there was no money owed! You are only required to include DEBTS THAT ARE OWED in a bankruptcy petition, not every account that are reporting. Paid off accounts are excluded from a bankruptcy. THEY ARE NOT DEBTS!!! Especially since the account was completely paid off prior before filing the bankruptcy petition. TargeXXXX was suppose to close the account back on XX/XX/2022, but did not! They took a positive exceptional account, and turned it upside down! Why??? This is Illegal and is a violation. Who are they to change the laws? I was a good paying customer, and they made it look like the entire account was charged off in the bankruptcy. Why would i pay you then? They are reporting incorrect information on the credit report. When someone pays off a debt, they have to get credit for paying it on time. It was paid early. They are reporting it like i was delinquent when i wasn't! You can not report incorrect information on a credit report! People sue millions of dollars every year for careless acts like this! I want to file a complaint against Target for damaging my tradeline with incorrect information reporting. They refused to remove it when i called. They have no clue what they are doing. They are hurting my credit report when they did this! Every account matters even in a bankruptcy. This is the one account i wanted to walk away in good standing. They are making me look bad! If i ever want to get another account with them, They will see i filed bankruptcy on them and burned them, when i didn't! Is this right or fair to me??? Its basically telling the credit reports that i did something wrong, when i didn't. I was in good standing with them, not the other way around!
|
| 10/19/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Confusing or missing disclosures
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Web |
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We have account with the TD Bank for many years and we were always considering ( because of the TD Bank marketing and advertising ) that this bank is one of the big and serious banks in US ( knowing that it is a originally XXXX bank ). So far we didnt have any problem with TD Bank XXXX Until XX/XX/2021.
On XX/XX/2021 we went in person to TD Bank branch located on XXXX XXXX XXXX XXXX, XXXX, FL XXXX, to request to make an international wire transfer of XXXX Euro from our personal TD Bank account to an escrow account of Spanish Attorney in XXXX ( Bank XXXX ) to complete a purchase of our apartment in XXXX.
TD Bank charged us a transfer fee of {$50.00}. Other banks are charging much less for international transfers. It is expensive, but lets say that is is reasonable. Then TD Bank asked to pay a fee of {$17.00}, that is supposed a fee that is charging XXXX Bank for receiving a money transfer. Let 's say that is is reasonable as well. In the end it was not true, because the Bank XXXX asked through the XXXX Attorney for much more money after the transaction completed.
TD Bank charged us {$91000.00} for the money exchange + {$50.00} fee + {$17.00} fee.
Two days later we decided to consult other two banks where we have a personal accounts with and asked them how much would cost us to do the same with them, to our big surprise, both banks told us that we would pay around of {$88000.00}.
We were in shock to realize that TD Bank stolen from us close to {$3000.00}.
TD Bank is publishing online that they have an exchange rates that are on par with other banks and that is not true. How you can charge a customer close to {$3000.00} more that any other American bank without disclosing something like that to the customer? We would never in millions year imagine that TD Bank can do something like that knowing that they are charging crazy high exchange fees in comparison to another US banksXXXX Bank never disclosed that the TD Bank has limited licenses for many activities and is using another American bank to do some transactions.
We were trying to contact the branch manager. Assistant manager of the branch informed us that the branch manager is not available and that she can not help us anyway. She offered us to refund {$50.00} fee??? She told us that TD Bank used the XXXX XXXX XXXX XXXX to do our transaction.
Wire transfer info : Date : XX/XX/2021 Sender reference : XXXX Beneficiary : XXXX XXXX XXXX, XXXX Bank to bank info fields : XXXX Real estate settlement buying an apartment XXXX XXXX XXXX XXXX
|
| 02/15/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
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Web |
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I was offered a modification by TD bank on my line of credit in XX/XX/XXXX. I signed the modification paperwork and sent it in to TD Bank and made the payment of {$560.00} as indicated on the XX/XX/XXXX modification document which was due XX/XX/XXXX.
Subsequent to that payment, I received another modification document in XX/XX/XXXX. Apparently, TD had a made a mistake on the initial modification documents and had to send me a new set of modification documents. The new modification increased my monthly payment to {$610.00} ( a difference of {$55.00} ) and pushed the modification start date to XX/XX/XXXX. I signed the new modification paperwork and sent it in to TD Bank and made a payment of {$55.00} to make sure I made a full first month payment of {$610.00} to be applied to the account. I was told by that representative that they would apply the difference to my account for the first payment that was due on XX/XX/XXXX per the new modification agreement.
I received a letter in the mail at the end of XX/XX/XXXX that my loan was late by more than 15 days as they did not receive my XX/XX/XXXX payment. I immediately called the loan servicing department and after 1 hour of phone calls with several transfers I was told that a request would go in to move the {$560.00} to my modification payment.
On XX/XX/XXXX I received a phone call that my loan was now 31 days past due as TD did not receive my XX/XX/XXXX payment. I explained to the representative that is not true as I did make my XX/XX/XXXX payment. The representative researched the issue and said the " back office '' denied the request to move the {$560.00} payment from the first modification form and that the {$560.00} was applied toward back interest from XXXX. I was shocked and asked for an explanation. How could TD 's error become my problem. I signed all documents and made payments in good faith, yet TD will not comply with my request. This is clearly deceptive tactics as I made payments in good faith towards the modification and yet TD has taken the money and only applied it to back interest.
I have called several times and can not get this issue resolved. I consulted with an attorney and they advised me to try to reach out to the CFPB first to see if it can resolved before taking this matter to court. I have lost several hours of time away from my job and family to deal with this and its just not fair.
I have attached copies of the two different modifications that were provided by TD bank that I signed and made payments in good faith.
|
| 02/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
To Whom It XXXX Concern : I am writing to make a formal complaint to TD Bank , N.A . I am seeking directive assistance from CFPB. This is a solution to someone so I can be heard and take seriously in protecting my information. I was/still am a victim of identity theft since XX/XX/XXXX.
A XXXX XXXX credit card account was opened with TD Bank XXXX fraudulently with my information without my knowledge and consent in XX/XX/XXXX.
On XX/XX/XXXX : I called TD Bank XXXX XXXX XXXX XXXX and reported account opened fraudulently, Given my contact information. I was provided with the case # XXXX.
On XX/XX/XXXX : I called TD Bank XXXX XXXX XXXX XXXX once again. Spoken with XXXX XXXX from XXXX XXXX and confirmed the account has been closed as of XX/XX/XXXX.
On XXXX XXXX : I received an acknowledgement letter from TD Bank XXXX stating, " Account history indicates prior acknowledgement of the account ''. Verbiage is vague so I made the call to XXXX XXXX XXXX, Fraud & Risk XXXX @ XXXX. Left several voicemail message and never received a reply.
On XX/XX/XXXX : I received an acknowledgement letter from TD Bank XXXX stating, " Account history indicates prior acknowledgement of the account ''. XXXX is vague. Today { XX/XX/XXXX } I made the call to XXXX XXXX XXXX, Fraud & Risk XXXX @ XXXX. Risk XXXX told a call was made to TD Bank XXXX on XX/XX/XXXX, a security code was sent to XXXX as resulted of the account was reactivated. In addition, she said the case has been closed and if I want to investigate, so I will need to open a new case.
I am extremely baffled with facts that ( 1 ) TD Bank XXXX had knowledge that the credit card was opened fraudulently and closed the account on XX/XX/XXXX, ( 2 ) TD Bank failed to verify the caller identity, Accept the risk on themselves and sent the security code resulted the credit card account reopened without my knowledge and authorization. Today, I made the call to TD Bank XXXX XXXX XXXX @ XXXX - to setup a new claim as I was instructed. The phone system did not respond to my cellular phone.
The phone # that I had registered in the case when opened initially and there was no live attendant.
TD Bank XXXX XXXX XXXX is not/ has not diligently in protecting my information. This resulted distress because once again having to deal with this nightmare.
Due to data sensitivity, I didn't include the full account in this complaint. It will be readily available to provide upon request.
I attest the statement made herein is truthful under perjury. Thank you. Best, XXXX XXXX
|
| 01/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American |
|
CFBP HAS FAILED ME FOR THE PAST 3 MONTHS. NOTHING SETTLED WITH TD BANK. I filed 3 previous complaints for same issue. Never received my {$2500.00} for a closed acct back in XX/XX/XXXX!!. They refuse to send the check. They tell the CFBP that they are taking care of it and then the CFPB thinks all is well. I refuse to go to a branch 12 miles from here due to having XXXX and must stay at home!! Emails and phone calls are never returned. The hold time on the phone is crazy and emails state to call!!. At wits end with this bank. They first said they sent an ACH to acct I sent in the original money from to TD. XXXX XXXX never got it and said it never came in. 2 months wasted. Last month they told CFPB that they are mailing check to my address. NEVER Received. We verified address and XXXX acct numbers also .CAN THE CFPB DO SOMETHING INSTEAD OF JUST SENDING COMPLAINT TO TD BANK AND ASSUMING ITS TAKEN CARE OF?? I WANT A CHECK VIA XXXX NEXT DAY. 4 MONTHS TO WAIT FOR MY MONEY??? HERE IS A COPY OF COMPLAINT FROM LAST MONTH, 3RD COMPLAINT MADE TO CFPB ABOUT SAME ISSUE.
We received your complaint. Thank you.
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.
YOUR COMPLAINT today is 25 days waiting for my XXXX and XXXX reached out to me that they never recd the transfer from TD bank for XXXX that they said they sent. CFPB already got an answer for this complaint on XX/XX/XXXX stating the bank will xfer funds from my closed TD acct to my XXXX XXXX bank account. ( initiating bank ) it would take 5-7 biz days. Today is the XXXX biz day and my money is not in my acct. They are holding my money illegally!!. can not call them ( wait times are over 1 hour, and they do not answer emails. ) They stated to you that the funds would be transferred and as of today they are not in my acct at XXXX XXXX ending in XXXX its 25 biz days! previous complaint # is XXXX Thank you but they are cheating me. I am owed XXXX!! XXXX acct # XXXX. On XX/XX/XXXX I transferred XXXX to TD acct from XXXX. On XX/XX/XXXX I transferred XXXX from XXXX to open TD acct. Now the funds are somewhere but not in my XXXX acct. Please send the $ $ NOW I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No
|
| 12/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit.
XXXX 1. Identity Theft TD BANK N.A.
Account Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
3. Identity Theft XXXX Account Number : XXXX This is not mine.
4. Identity Theft XXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX Account Number : XXXX This is not mine.
6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
8. Identity Theft XXXX Account Number : XXXX This is not mine.
9. XXXX Account Number : XXXX 10. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
XXXX 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
2. Identity Theft XXXX Account Number : XXXX This is not mine.
3. Identity Theft TD BANK N.A.
Account Number : XXXX This is not mine.
4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
6. Identity Theft XXXX Account Number : XXXX This is not mine.
7. Identity Theft XXXX Account Number : XXXX This is not mine.
8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
10. Identity Theft XXXX Account Number : XXXX This is not mine.
11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
XXXX 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
5. Identity Theft XXXX Account Number : XXXX This is not mine.
6. Identity Theft TD BANK N.A.
Account Number : XXXX This is not mine.
7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
8. Identity Theft XXXX Account Number : XXXX This is not mine.
9. Identity Theft XXXX Account Number : XXXX This is not mine.
10. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
12. Identity Theft XXXX Account Number : XXXX This is not mine.
13. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
|
| 06/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Loan originates from XXXX. In XX/XX/XXXX due to divorce I was awarded sole occupancy and exclusive use of jointly owned home with ex-spouse, at same time I was obligated to be solely responsible for all mortgage payments ( property tax included in loan, escrow account ). I jointly applied for the mortgage together with ex-spouse in XXXX, we both signed for the loan, I am on the Deed as well.
I have since XX/XX/XXXX had issues with not recieving information, and refunds of escrow overage, regarding the loan. I requested documents such as Principal paid on property in XX/XX/XXXX - wasn't received, I requested all mailed information regarding loan to be mailed to the porperty address of the loan, was never done. I was informed it was mailed out, but only to the co-signor my ex-spouse they said the could not mail it to me. In XX/XX/XXXX I contacted TD Bankregarding the escrow account and the recalculation of taxes, and was after much struggle informed that an overage check ( {$1000.00} ) was mailed out to the ex-spous 's address, made out to us both that he cashed in. Even though I explained the entire situation and which you can clearly be seen in the payment history that I have been the only person paying the mortgage since the forementioned date. The bank again refused to help. XX/XX/XXXX I logged into to my mortgage account to discover that my mortgage payment has increased by {$260.00} / month due to insufficient funds in the escrow account. I contacted the bank immediately asking as to why I was not informed of this. They stated information had been sent out in XX/XX/XXXX. I, of course never received this information. I asked why, they said that it was sent to just the ex-spouse 's address. I contacted TD Bank via email, phone, and XXXX regarding this, and am still waiting on a call back from their escalations team. I have spoken to their escalations team in the past and nothing has ever been resolved. Why is the bank allowed to treat me so inequal to the other loaner? We are both obligated to make payments to the bank or they will go after us both. But the bank only communicates and sends refunds to one party! I have excellent payment records but am still treated unfairly by the bank and its staff.
Contact dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Plus numerous times on their online messaging system, phone calls, as well as in person at the local branch where the mortgage originates from.
|
| 07/21/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Regulation E Electronic Funds Transfer Violation. Did not opt in and financial institution is still debiting my account and charging fees. Financial institution has no record of opt in. In XXXX of XXXX, I had spoken to my bank, TD Bank in regards to Overdraft fees that had occurred on my account. At that time, in speaking with the representative on the phone that I opened a 2nd checking account to help in preventing this from happening. It was explained to me that the 2nd account would prevent transactions from processing through the account that would place my account into the negative or if there were insufficient funds available, that said attempts at a Point of Sales System where the card would be swiped are declined. I wanted both accounts to be setup in the same fashion both only the 2nd and new account was. I had not fallen into negative on my bank account in said form to my recollection for some time until 2 days ago. On Tuesday XX/XX/XXXX... my account fell into the negative due to an electronic charge for the amount of {$190.00}. When I saw this, I immediately transferred funds to my account to cover the cost of that electronic charge but 2 charges on that same day of the transfer had been processed when they should not have been as I had originally thought my account would decline those charges as I had explained in XXXX of XXXX. Those charges were for {$4.00} and the other for {$1.00} resulting in {$35.00} overdraft protection fees each. But having thought the issue was resolved and my account was back into the positive, the next day I had run 2 transactions, one for {$4.00} and another for {$1.00} along with an overdraft fee of {$70.00} throwing my account in the negative once again. There following day ( today XX/XX/XXXX ) an automatic recurring charge of {$4.00} was posted to my account resulting in another overdraft along with another {$70.00} overdraft fee. Altogether, it would appear my account was charged for {$170.00} in overdraft fees where only 2 of them I completely understand that were posted through. The first for the {$190.00}, and the last for the {$4.00} as those were electronic charges already in motion to be charged. What I dispute are the other 4 instances that resulted in {$140.00} ( or 4 charges of {$35.00} in overdraft protection fees ) that never should have been approved in the first place. The bank issued me a courtesy refund on 2 of the charges bring it down to only {$70.00} in overdraft fees, but again this should not have occurred in the first place.
|
| 02/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I had a Target RedCard MasterCard, which I had since 1998. I was set up on their automatic payment feature which automatically drew the full amount owed from my bank account. Last month, I used their online feature to pause my automatic payment for the month and make a one-time payment of {$3500.00}. On XX/XX/XXXX, I received an email from Target RedCard that my payment didn't go through because of insufficient funds. I checked my bank account and verified that I had more than enough funds in my account. So, resubmitted the payment to go through. Again, on XX/XX/XXXX, I received an email stating that my payment was returned for insufficient funds. I called Target RedCard and asked for their assistance. They advised me to make a payment over the phone, then call my bank to see what the issue was. They then transferred me to a third party provider who took my payment over the phone and told me that my account would be current in one to two days when the check by phone was processed. I called my bank and was told that they were no records that any attempt was made to withdraw any funds from my account and that I had sufficient funds in the account. After researching more, I figured out that they were trying to draw the payment from my ex-husband 's account. I didn't even know that the Target RedCard still had access to his account since all my Automatic Payments were drawn from my personal account.
The next day, I tried to use my Target RedCard and was told that it was declined. I called Target and was told that my card had been canceled for two declined payments. They said that whoever had taken my payment the prior day should have told me that it was already canceled. I explained that the payments were posted to the wrong account, they said that it was still considered a returned payment and they close those automatically. They said that they would make notes that I was not told it was canceled to improve their customer experience, and they offered to send me a letter explaining why my card had been canceled.
When I expressed my shock and disappointment, the supervisor on the line said that they understood my frustration and that I could reapply for a Target RedCard at the store. I explained that I had been a cardholder for over 20 years, and did not have missed or late payments. They again said there was nothing to be done. When I asked if this was going to show up on my credit report, they confirmed that it would and offered to send the letter explaining why they had canceled the card.
|
| 05/01/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
When logging on to my online Target Red Card account on XX/XX/XXXX I noticed an odd pending charge. Since I hadn't left the house in a month and I've never purchased anything online with Target, I used secure messaging within my online account to notify Target of the possible fraud. I also tried calling the number listed on my Target card but could not get through. ( 40 minutes on hold, then the call would drop. I attributed to the lack of service reps to the ongoing pandemic. ) Target replied via the secure messaging the next day that the charges were authorized and then moved the charge from pending to approved.
I replied back using the secure messaging within my account that 1 ) no the charges were not authorized, that was the point of my original notification, and 2 ) more unauthorized charges were being made.
Target replied back that they could not help me and to call XXXX. Thinking this was a special credit card fraud number instead of the customer service number I couldn't get through earlier on, I called immediately. Instead of help I was treated to a solicitation for roadside assistance. If I didn't participate, I didn't get to talk to a human.
I notified Target, via secure messaging again. They replied back basically to keep trying to call and to wait for my statement to be mailed to me. Meanwhile, more charges were popping up on my account.
I dug around the Target website and found an email listed on their website for reporting - XXXX - which I used to email Target and beg for help in stopping the continuing charges. I still haven't heard back. Not even an auto-reply that acknowledge receipt.
I reached out via XXXX and instead of helping Target responded back that I should check with my bank. I found that odd because my bank is a credit union and has at no time in it's history distributed Target Red Cards. I replied back to their message, saying I am not having any trouble with my bank or any other credit card but Target 's credit card, but have not heard back.
Today is XX/XX/XXXX. Charges are still appearing on my card as they have every day since I originally alerted Target. I have contacted Target by every means available to me. I've screenshot all the information. I am bewildered that not only is Target not proactive in keeping my account safe, Target is actively blocking my reports of theft and fraud.
Please, please help me. Every single day more charges appear. I can't get Target even to acknowledge the fraud, much less stop it. I don't know what else to do.
|
| 04/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a checking account in response to a promotional offer on XX/XX/XXXX.
The prevailing Supplement to TD Bank 's Personal Deposit Account Agreement, dated XX/XX/XXXX, said " Checking offer is not available to existing TD Bank checking Customers or prior Customers who have had a TD Bank personal checking relationship within the preceding 12 months '' and explained the " Checking Offer '' as follows : " To qualify for the {$300.00} personal checking cash bonus : New personal checking Customers must open a TD Beyond Checking account and receive cumulative qualifying direct deposit funds of {$2500.00} or more into the new account within 60 calendar days of the account opening date. '' I had a checking account with TD Bank in the past, but that account was definitely closed before XX/XX/XXXX, so the Checking Offer was available to me as per the Supplement alluded to in the second sentence above. I opened the account and received cumulative direct deposit funds from my employer in the amount of {$3300.00} between XX/XX/XXXX and XX/XX/XXXX in three tranches - {$1100.00} on XX/XX/XXXX, {$1100.00} on XX/XX/XXXX, and {$1100.00} on XX/XX/XXXX. Note that XX/XX/XXXX is within 60 calendar days of XX/XX/XXXX.
When I did not get the bonus after 140 days ( that was the waiting period, as disclosed by TD Bank at the time of account opening ), I sent a message on XX/XX/XXXX using the secure messaging system of the online banking portal.
TD Bank responded on XX/XX/XXXX : " We have emailed the promotional offer review team. They have responded informing us that the account did not qualify for the promotional offer due to receiving a bonus on a previous account. Upon review, an account opened in XXXX received a {$200.00} bonus. '' I pointed out on XX/XX/XXXX : " The promotional offer stated 'Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months. ' Now your team is telling me that I am not eligible because I received a bonus on a previous account. Sounds like terms and conditions being changed after the fact. Looking forward to your response. '' The response came on XX/XX/XXXX : " Thank you for reaching back out to us. We apologize for any confusion. Customers can only ear a bonus for one checking and one savings account. Thank you for your time and be well! " Either the promotional offer was deliberately misinforming the customer or TD Bank wanted to rewrite their advertisement after the fact.
|
| 06/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX XXXX I mailed out a 0 % interest check from XXXX XXXX XXXX to TD Bank in the amount of {$9000.00} to be applied to our equity loan to help pay it down at a lower interest rate. When I received my statement from TD Bank the {$9000.00} had not been deducted from the balance. So I called them to ask why and they said They never received it. I then went to XXXX XXXX XXXX in my home town of XXXX Ma and they were able to fax me over a copy of the check front and back. The check was made out to TD Bank and had my account # on it. On the back of the check it was signed by XXXX XXXX. I spell my name with a phen not ven and the check was made out to TD Bank, no one but TD Bank should have been allowed to cash it. There seems to be no paper trail of any kind. The information on the back of the check looks like it was smeared and can not read it at all, but the signature XXXX XXXX is very clear. I am XXXX XXXX but that is not my signature. XXXX XXXX XXXX opened a fraud case on XX/XX/XXXX and closed it on XX/XX/XXXX saying " Based on your account history, this charge is consistent with previous charges with this merchant. '' I went right down XXXX XXXX XXXXXXXX and they called their fraud dept and explained and they reopened the fraud case. On XXXX XXXX I received a notice they were closing the case. now I am responsible for paying the TD Bank loan for {$9000.00} as well as {$9000.00} to XXXX XXXX XXXX. I Then Called XXXX XXXX XXXXXXXX and spoke to a representative who help me to take advantage of their 0 % interest check the only difference this time is they sent it out to TD Bank. I gave them the account # and address and I was very worried about doing this but that's why I had them send it out they sent it out on XX/XX/XXXX and TD Bank still hadn't received it on XX/XX/XXXX so they set up another fraud case to investigate. It was finally Cashed on XX/XX/XXXX and XXXX XXXX got TD Bank to remove the charge off of my TD Bank equity loan but XXXX XXXX sent me out a letter XXXX! XXXX asking me to contact TD Bank to set up a payment research case and to provide to them the proof of payment to assist in their research. I Truly believe someone from TD Bank is doing this. What is the likelihood of two checks going it to fraud and no one can figure out where the {$9000.00} dollars went. and no one but TD Bank should have been able to cash that check. Someone from the inside who knows the system must be responsible. Please help me I have been trying to get help and no one seems to be able to.
|
| 12/03/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
I opened my account with TD I HAVE A CHECKING AND SAVINGS ACCOUNT.
THE BEGINNING OF MY PROBLEMS CAME WHEN I HAD FRAUD. I REPORTED THIS FRAUD AND WAS TOLD I WAS MOVING FUNDS BACK AND FORTH BETWEEN ACCOUNTS. IN ADDITION, FRAUD DECLARED WHEN I STATED THAT I DIDN'T EVER MAKE ANY TRANSACTIONS WITH XXXX. ALSO, THE AMOUNT OF FUNDS TRANSFERRED WERE EXCESSIVE. AT THE BANK, I ADVISED THEM THAT FUNDS WERE GONE OUT OF ACCOUNT. LAUGHING AT ME, SHE STATED, I WAS MOVING MONEY. I WAS NOT AND I ALSO STATED, THERE IS A POINT OF FUNDS EXITING AS OPPOSED TO MOVING BACK AN FORTH.
' JUST YESTERDAY, I HAD SOME ELSE USE MY VOICE AS THEY CLAIM THEY HAVE VOICE PRINT TO IDENTIFY ME AND SOMEONE WAS ABLE TO MAKE A TRANSACTION. ON THE DAY OF THE XXXX, TRANSACTIONS NOW HAVE LEFT ME WITH OVER 3000 GONE. IT'S MY SSI MONEY AND THEY ARE NOT WORKING WTH ME NOR IS FRAUD.
I SPOKE WITH XXXX, WHO IS IN 120 % AGREEMENT THAT SOMEONE INTERNALLY IS STEALING AND THAT THE BANK WAS NOT FOLLOWING THE FEDERAL GUIDELINES. THEY WOULD LIKE TO CREDIT MY ACCOUNT, DUE TO THE BANK REFUSING TO INVESTIGATE FRAUD. NOW, TODAY, THERE ARE NO RECORDS OF ANY TRANSACTIONS, ACCOUNTS, ETC. OPENED BACK IN XX/XX/XXXX-XX/XX/XXXX. THEY ARE SHOW ONLY 4 ACCOUNTS.
JUST THIS WEEK, TRANSFERS, LINKING SAVINGS ACCT WITH CHECKING WERE DONE, 2 TIMES I HAVE HAD TO TELL THEM THEY WERE NEVER TOLD TO THAT THEY WEREN'T INSTRUCTED BY ME TO ALLOW MY ACCOUNT TO USE THE " GIFT OF GOING OVER MY ACTUAL BALANCE. SO, I WAS CHARGED WITH XXXX. THE BANK HAS REFUSED TO LISTEN, INVESTIGATE ANY FRAUD, STATING I WAS USING XXXX WHEN I HAVE NEVER HAD ANYONE WALK THROUGH MY DOOR. I DON'T AND WOULDN'T TRUST THEM.
MY BANK, CLEARLY IS STEALING FROM ME AND IT'S NOT BEING ADDRESSED AT ANY LEVEL.
ISSUED A XXXX CHECK WHICH ISN'T MY NAME, ACCOUNT AND FRAUD BUT THEY HAVE DENIED THIS AS FRAUD.
2. WHEN I TOLD THEM THAT XXXX WAS FRAUD, I REC 'D A LETTER STATING THAT THE LAW UNDER FED E WAS MY PROBLEM.
I HAVE OVER 15-20 ACCOUNT NUMBERS, NO STATEMENTS NOR ANY ABILITY TO GET THE 100 ATM CARDS WHICH ARE ISSUED. I HAD THE BANK ACTUALLY HAND ME A ATM CARD THAT I ENTERED A CODE/PIN AND THEY HANDED THE CARD WHICH DIDN'T BELONG TO ME AS WELL.
I CAN'T BEGIN TO FIGURE OUT WHAT TO DO, AS THE POLICE REPORT THEY ARE ASKING OF ME IS NOT WHO SHOULD BE GETTING IT.
THEY HAVE USED AND DENIED OVER 10-15K IN UNAUTHORIZED CHARGES, WHILE ANY OTHER FRAUD WITH MY CC OR CHECKING ACCOUNTS DON'T TDO THIS.
THE BANK IS ASKING ME TO GIVE THEM ALL OF MY ACCOUNT NUMBERS THAT I HAVE BECAUSEE THERE IS NO TRACE.
|
| 10/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I have previous open a complaint against TD BAnk concerning NSF Fees while that complaint was completed and close. I notice the documetation that the TD bank Rep added to the complaint had collection companies on them stateing that they sent account to those collection companies to collect the Debt.After doing more research i found out TD Bank reported My information to XXXX XXXX XXXX. The accounts that the letter from TD Bank have shows the amount of XXXX {$590.00}. The Amount that the XXXX XXXX XXXX Credit report has from TD Bank is {$5100.00} that has a difference of {$3500.00}. Td Bank has violated my Privacy ACt 1974, FCRA and XXXX XXXX XXXX XXXX XXXX Pursuant to Fair Credit Act section 15 U.S.0 1681 ( a ) ( 4 ) '' Infringed Upon a Consumer 's right to Privacy '' section 611. Procedure in case of Disputed accuracy [ 15 U.S.C. 1681 ] Section 5, 15 U.S.0 1681b-Permissible Purposes of Consumer reports. There was no order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with the proceedings before a XXXX XXXX XXXX ' or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. In accordance with the written instructions of the consumer to whom it relates Also under the XXXX XXXX XXXX XXXX Privacy Rule it states that The Privacy Rule protects a consumer 's " nonpublic personal information '' ( XXXX ). XXXX is any " personally identifiable financial information '' that a financial institution collects about an individual in connection with providing a financial product or service, unless that information is otherwise " publicly available. '' XXXX is : any information an individual gives you to get a financial product or service ( for example, name, address, income, Social Security number, or other information on an application ) ; any information you get about an individual from a transaction involving your financial product ( s ) or service ( s ) ( for example, the fact that an individual is your consumer or customer, account numbers, payment history, loan or deposit balances, and credit or debit card purchases ) ; or any information you get about an individual in connection with providing a financial product or service ( for example, information from court records or from a consumer report ).
And on the Early warning Report it has my personal information and the Collection Companies has my personal information as well.
I have also attached the documentation.
This has caused alot of pain and aggrevation.
|
| 08/01/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
On XX/XX/18, just as I was about to buy dog food, I saw XXXX XXXX on my checking account in the amount of {$170.00}. I was told to wait until it posted on the account which usually takes two days. Today, XX/XX/18, I woke up just to see that all my TD Bank accounts were frozen and almost all of them has transaction starts with DDA on the statement and also triggered the overdraft protection fees. I was shocked because that is all the money that I got and I do not have enough to pay for dog food, rent, and other expenses. I called TD Bank customer service around noon and was told to step into the branch to resolve this issue. When I arrived at the bank, after fully verified my identity, a teller asked for my debit card and broke it in half right in front of me and other customers then repeatedly saying that I have too many charged off accounts that is why TD Bank is doing this to me. I told him that it would be nice to reach out to me first and ask if I will be ok without this money. What happened to the business ethics and human right? TD Bank will do just fine without my $ XXXX but what about me and my dogs? Do I have any right to know anything before the bank take actions that would impact my life? You guys kept saying it's in the user agreement that I signed when opening the accounts. In the afternoon, I called and spoke to a lady from the recovery department. After verified everything, we went over the charges and fees and explained step by step in order to resolve this issue. She told me that one of the accounts [ XXXX ] is still active but it is negative at the moment. I told her that I just got a new job a few days ago and will work to pay the balance little by little because I get paid daily. She told me to step into the branch as soon as that account is positive and she can remove the lock so I can get a new debit card. I forgot to tell her that last night I made a transfer from my job into the account ending in XXXX but I don't see it on the bank statement so I called back just to have her help me look into it and see if we could apply that to the account ending in XXXX instead to help me pay off the negative faster. The lady that answered the phone told me the whole different story. She said every charged off accounts must be pay in full in order to lift the restriction. I told her that TD Bank sold my debt to the collection agencies already but she said that was not the case but demand that everything must be pay in full otherwise there's nothing she can do on her end.
|
| 05/16/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
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Web |
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On XX/XX/2021, i used a TD bank atm at XXXX XXXX NY to deposit my cash. I had a total of {$50.00} XXXX and {$20.00} XXXX to make my total of {$4100.00}. I had counted my cash prior to getting to the bank. I used the first atm and placed more than the required number of bills that included 50s and 20s, the atm took some of the bills which were mostly 50s, and returned very few 50s and 20s. Without noticing the error, i told it to deposit the first set of bills and tried to deposit the rest however, the machine wouldnt take the rest of the cash. That deposit came to {$1000.00}. I did a final deposit on the next machine only to realize my funds were incomplete which came to a total of {$690.00} and {$900.00} respectfully. Which means i was missing {$1500.00}. Then it occured to me that the first deposit stated {$1000.00} which should have been {$2500.00} because it had taken only the {$50.00} bills and should not have been {$1000.00}. i ran into the bank after the atm error which could mean the ATM counted my {$50.00} bills as {$20.00} bills. They filed a claim and told me to wait 5 buiness days. I called on the 5th business day and they said its 10 business days now. I called on the 10th business day and i was told the claim was not in my favour. I ran to the bank to speak with the manager. He looked at the claim and said the initial claim was done incorrectly. He stated they count the overages every friday and the claim stated overages counted on XX/XX/XXXX when it should have been counted on XX/XX/XXXX. He stated he was going to look into this and get back to me. He called me back 3 days later on XX/XX/XXXX and stated their account did not have any overages for the week of the XX/XX/XXXX and he had his atm tech open the machine to see if there were funds stuck there but there wasnt so they would be closing my claims. I kept insisting that i know my total funds and its still missing from their machine. He stated he looked at the camera and saw the atm gave me back some funds which i deposited in the next machine. And i told him, thats been true and in my inital statement. The first ATM gave me back some bills and was refusing to take the rest of the bills multiple times so i had to use the other ATM. Whoever fixed the issue from the first atm must know the atm machine wasnt taking any more cash. He said the bank can no longer do anything about this, and would be closing my second claim and ended the call. My total funds is still missing {$1500.00} and i dont know what else to do.
|
| 01/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
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Web |
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I opened up a checking account with TD Bank on XX/XX/2022. This Was in response to a mailer I received. the promotional code would award a {$400.00} bonus if specific criteria were met. I followed the instructions, opened the account through the correct website, entered the promotional code and completed the required activities. I have waited the required length of time to receive the promotion and my account is still open.
TD Bank is saying that I was not eligible because I never received a promotional flyer. The representative I spoke to who was a supervisor said that they searched my name and social security number and address to see if a promotional flyer was ever sent and they could not find XXXX. I'm not sure how they think they could have had my social security number prior to me opening the account so that in and of itself is confusing.
I had also inquired about the length of time it would take to receive the bonus previously and there was no mention that I was not eligible so I feel this is a deceptive act to trick people into opening up bank accounts and hold their funds while we wait to see if we get our bonus.
Note that I deposited enough funds to meet an average daily balance to avoid the normal $ XXXX monthly fee they usually charge. The supervisor I spoke to you on XX/XX/XXXX agreed to reach out to their promotions team and ask them to search my last name which I sometimes hyphenate. I opened the account with just XXXX last name not XXXX. She told me to allow up to XXXX weeks for a response they told me usually there's a response after a week and a half.
She also told me that I may need to supply them with a photo or walk into my local branch and provide the actual flyer that was received back in XXXX. That was over XXXX months ago so of course I don't have that flyer. I did take a couple screenshots but sadly they don't show my name as the addressee. I also asked her if she could look to see if I entered the code that was provided on the mailer and she said her system does not show whether or not a code was entered. There seem to be a lot of holes and gaps since ( number XXXX ) she's saying they looked me up by my social security number to see if a flyer was ever sent and I never did business with TD Bank in the past so there's no way they would have had my social security number ; ( number XXXX ) how would anyone ever expect to receive their friends if they didn't retain the original mailer? That's why I think what they're doing is predatory and deceptive.
|
| 01/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
|
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RE : Complaint ID # XXXX I just received a letter from TD Card Services regarding my dispute with XXXX XXXX XXXX dated XX/XX/XXXX.
They state the following : I opened a claim on XX/XX/XXXX in the amount of {$5800.00} XX/XX/XXXX I was issued a refund in the amount of {$290.00} and stated I did call back to dispute the whole amount of {$5800.00} and not just the {$290.00} from XX/XX/XXXX, which is on record. According to documentation I disputed the whole amount of {$5800.00} with my first phone call to TD Card Services on XX/XX/XXXX.
TD Card Services closed the case on XX/XX/XXXX, which was after the 90 day limit. When I called they said it was a mistake and the case was re-opened. TD Card Services said I re-opened the claim when actually I did not re-open the claim, TD Card Services did as they stated to me it was due to an error on their part.
TD Card Services again went past the 90 day limit. I received a letter ( please see attachments ) dated XX/XX/XXXX. Also please refer to Complaint ID # XXXX.
I do believe in my opinion that because TD Card Services did not do their due-diligence and went past their deadline to recover the {$5800.00} from XXXX XXXX XXXX, which is stated in the letter addressed to me~ that they no longer have charge back rights. They are discriminating against me even though I have gone over and above of what TD Card Services has asked of me and been more then patient since XXXX regarding this dispute. I honestly thought they would back me up in this dispute as I have been with TD Card Services for many years.
Please refer to Complaint ID # XXXX for all the documentation and notes regarding this claim.
Spoke with a supervisor named XXXX. She said the dispute has not been closed. She had no information about the attached letter I received about it being closed. She if indeed the dispute was closed it be re-opened yet again. She also stated to me that she would be calling me back on Wednesday XX/XX/XXXX before XXXX or Thursday XX/XX/XXXX by XXXX EST with a resolution. I didnt hear back from her by said date and time. I called TD Card Services on Thursday XX/XX/XXXX at XXXX and was put on hold for XXXX minutes. Spoke with a customer service supervisor named XXXX. He could not the previous supervisors notes. He could tell if my case was re-opened as XXXX stated to me. He did however open a new case ( case # XXXX within TD Card Services. XXXX said he or XXXX would be reaching out to me on Monday XX/XX/XXXX or Tuesday XX/XX/XXXX at least with a resolution.
|
| 06/06/2017 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
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I went to TD Bank where my U.S. checking account is and wired two international transfers to the XXXX XXXX in the XXXX XXXX XXXX. This was on XXXX XXXX, 2017. One amount was for {$10000.00} U.S. and the other was for {$1500.00}. Both were for my father 's medical care. Neither amount arrived. I was told it would take 3-5 days. On XXXX XXXX, I called the branch and was told to wait until Friday XXXX. On Friday XXXX I was told to wait until Mon XXXX. I went into the bank on Tuesday XXXX and was told they would look into it and call me back. On Tuesday XXXX XXXX I went back in and sat for an hour while an assistant manger was on hold with the wire transfer dept. At this time I was also informed by another asst. manager that she usually tells her clients there is no guarantee the funds will arrive and that means I have lost them. I reminded her she was the one who authorized the transfer after her assistant had typed it up and she had not mentioned this before. I asked for my money back and she said she would take over and contact the wire dept to do a trace. She did not call me back so I called her, she had not been able to contact the wire dept by phone as they were busy. I asked her to cancel the transfer and refund my money. She said she could not as the wire dept were doing a trace and I she would call me back the next day. I ended up calling her back on Fri XXXX and she said it would take a few days to find out where the money had gone, but knew the request had been received by XXXX XXXX - the Intermediary Bank. Today, Monday XXXX XXXX, I could not reach her. I could not get a corporate number from the website so I called customer service and they could not give me a number to their headquarters either. I finally called another larger branch of TD and spoke to an assistant manger who said she would look into it. The money left my account on XXXX XXXX and no one informed me it had not arrived, I found that out when my father 's bill was n't paid. I contacted XXXX XXXX XXXX and was transferred to XXXX XXXX who informed me the funds had not arrived and the only thing I could do was trace it from this end. Which I 've been asking them to do. What do I do next. This is a lot of money and my father 's XXXX XXXX needs to be paid. How can TD Bank tell me I may not be able to recover my money? Please help me. They also took the Wire Authorization Form from me in order to investigate so I can only attach the letter of notification of the Outgoing Wire Transfer which came in the mail.
|
| 08/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Servicemember |
|
In the year of XXXX, XXXX, I paid {$1400.00} to a merchant called " XXXX XXXX XXXX '' who were assigned to build a website for my small business, " XXXX XXXX. '' In the time between this complaint and that payment, XXXX XXXX XXXX ( XXXX XXXX ) utilized delaying tactics to essentially avoid providing the service paid for. Upon further review it was found on the XXXX XXXX XXXX that this company is known for having used these tactics against many individuals-often those whom do not have the means to build a complete website but need customization that stretches beyond what the current market offers to those who do not know how to code nor build a website. This company and its representative disappeared 3 months ago and they have not delivered the services I paid for, which is a completed website.
On XX/XX/XXXX I filed a chargeback dispute with TD bank-both on my credit card and debit card accounts. The credit card dispute is a separate claim but regarding the same company for differing amounts there. We are concerned with the debit card dispute being regarded in this complaint. Twice TD denied the dispute since-on XX/XX/XXXX and XX/XX/XXXX claiming that " .... Due to the fact that this is an authorized transaction related to a merchant dispute, we recommend resolving this matter with the merchant directly .... '' Upon a phone call I made with the TD bank, I was advised by their general support team that the XXXX guidelines for chargebacks limits their power to recoup funds paid for by their customers by 120 calendar days since the date of the transaction. I was also told by that same individual that there is no recourse. However upon speaking with a separate department, a person named XXXX advised I would receive a phone call by an individual whom specializes in these matters this week-the week of XX/XX/XXXX. I am now awaiting this phone call and will follow up on this dispute upon resolution of this matter. I want to provide TD bank an opportunity to resolve this.
UPDATE : So as of today, XX/XX/XXXX, I have spoken with 2 other supervisors whom claimed someone from the claims department would call me to offer additonal information. However they keep on implying that this department will only tell me that XXXX 's guidelines restrict the length of time a person has to submit a dispute. However upon checking XXXX 's guidelines, this does not apply to scams and those who have fell vicitm to it. The merchant disappeared and the bank has done nothing to help me recoup my funds.
|
| 06/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
TD Bank XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX RE : XXXX XXXX Account Ending : XXXX In XX/XX/XXXX, I purchased a XXXX item, which included a promotional 12 month XXXX subscription and financed that item with XXXX XXXX through TD Bank XXXX The item was purchased using a twelve month no interest promotion through TD Bank. I made consistent timely payments on the item throughout the twelve month agreed upon time frame. The bill that I received in XX/XX/XXXX showed a total balance of {$150.00} due on XX/XX/XXXX. I made that {$150.00} final payment to you on XX/XX/XXXX which should have completed any financial obligation to TD Bank for XXXX XXXX After I made that final payment, I received a bill from you, TD Bank, with a new balance of {$430.00} due on XX/XX/XXXX. I immediately contacted TD Bank to correct the erroneous charge. A case ( Case # XXXX ) was opened by TD Bank XXXX On XX/XX/XXXX, I received notice from TD Bank that research was being conducted concerning my issue. I also contacted XXXX on XX/XX/XXXX, and spoke to XXXX, to notify XXXX that I did not wish to renew the XXXX subscription. On XX/XX/XXXX, I followed up with XXXX and was assured that the charge would be removed.
On XX/XX/XXXX, I received notice that you found insufficient evidence to support my claim. Per your findings, you say the merchant provided signed sales receipt and/or delivery confirmation. You also found that payments were made on the account from XX/XX/XXXX to XX/XX/XXXX. Please note that I agree with the statements that you made and that this was not my dispute. I did receive the merchandise that I ordered and made payments for the agreed upon amount. My issue, again, is that I DID NOT AGREE to renew a subscription with XXXX and TD Bank. Furthermore, I immediately took actions to have the unauthorized renewal charges removed. XXXX and TD Bank both disregarded my request as the customer, prolonged my suffering and has continued to bill me for an unauthorized renewal.
I received a XX/XX/XXXX statement from XXXX XXXX with the {$430.00} charge still on the bill, although it was noted on the bill that the amount was disputed. On XX/XX/XXXX, I again followed up with XXXX in effort to have the unauthorized subscription renewal removed. I spoke with XXXX, who now says that he can not remove the charge.
Once again, I am requesting that the unauthorized renewal amount of {$430.00} be removed and you cease and desist any contact with me regarding these unauthorized charges.
Regards, XXXX XXXX XXXX
|
| 04/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/XXXX, I permanently opted out of all reporting agencies indefinitely. To my surprise, a mortgage company by the name of XXXX, acting on behalf of XXXX XXXX was able to successfully submit a hard inquiry through to my credit report, obtaining unauthorized personal information without my consent. Appalled, Id reached out to you all, only to discover that a company called XXXX, whom my first report was for, performed the hard-inquiry on XXXX XXXX request. After XXXX told you all that theyd contacted me with solutions regarding my complaint with you all, you all closed my complaint and they did not reach out to me by phone call like yall told me they did, but instead sent me correspondence in the US postal mailing systems. Once received and read, theyd suggested that I reach out to XXXX XXXX. I reached out to them, theyd collected my pertinent information some how, confirmed it all with me, then in a confrontational manner, told me that they were not going to remove the hard inquiry from my credit report, placed on my report on XX/XX/XXXX, but I was just made aware of the inquiry XX/XX/XXXX. When I asked about the dates and weirdness of it all, a guy by the name of XXXX XXXX, spoke to me by phone on XX/XX/XXXX, very rudely exclaiming to me that due to my knowing all of my own information and verifying it with him, that it somehow was me that theyd gotten my consent from. I have NEVER given them any, never heard of them until the XXXX paperwork in the mail, and would not ever do business with a company like them under any circumstances past or present. Id permanently opted-out of all credit reporting agencies ranging from XXXX due to how many of them there are. So Im curious, How is it that XXXX acting on behalf of XXXX XXXX company was able to successfully submit a hard inquiry into my credit reports, WITHOUT MY CONSENT, and not only gain access to my personal information but also distribute it to XXXX XXXXe whom also DID NOT GET CONSENT FROM ME EVER, and I didnt and still dont know of them nor have never reached out to a company like them, were they able to perform this unauthorized act with so much ease? Why dont my permanent freezes placed on my credit reports work? Finally, their are two companies ( which one of them TD Auto Finance was paid in full ), is reporting late payments, on closed accounts on my credit report, but have also been able to report these things in my permanently opted-out credit reports. How and why have they too, been able to do such things?
|
| 08/06/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/2019, I received a call from a XXXX number. I was hesitant to answer but I had a gut feeling i should answer the call. Upon answering the call, an individual stated that they were calling from TD Bank ( HEREINAFTER, " TD '' ) and they want to go over some transactions that seemed irregular on my account. The individual went over two transactions that occurred in XXXX, FL and i vehemently denied all claims because I was physically in New Jersey at the time and I was in sole possession of my debit card. Because of the area i was in, the call kept dropping and the person kept calling back. I become a little concerned with the validity of the call and XXXX the number I was receiving the call from. I then XXXX the number, XXXX and the search came back as TD Fraud department hotline. This put my suspicion at rest. Once we finally got back on the phone, the agent proceeded to help me reset my online banking, issued me a new card, help set up my pin and blocked the transactions from hitting my account. The next day I walked into a TD store located at XXXX XXXX XXXX in XXXX, New Jersey. I met with a TD rep to get an understanding what happened with my account. The rep seemed hesitant to help me which made it even more difficult for me to understand what happened to my account. Once i explained to her that a TD fraud rep called me, she fully understood and told me that many of TD 's customers have been dealing with that issue and that TD is slow to fix the problem. When she informed me of that, i questioned as to why TD wouldn't change their FRAUD hotline if they are well aware of the issue. Thats when she alerted me that transactions totally XXXX had occurred on my account. She also informed me that i couldn't put in a claim until the transaction finally posted the next day. On XX/XX/2019 I returned to the bank to report that fraud on my account. I voiced my concerns with TD bank on this lack of ability to take action. I personally have never made a withdrawal of over {$800.00} from a ATM but TD allowed someone else residing in another to state to make withdrawals totaling {$4500.00} and an additionally transaction in a store of {$500.00}. They didn't stop the transactions for irregular spending or even picked up on the fact that I wasn't in XXXX, FL. I had to go to the brand for 3-4 before work in my uniform using my vacations hours to clean up something i am entrusting TD to protect me and my money from all while being made to seem like I was committing the fraud myself.
|
| 04/06/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Settlement process and costs
|
|
Web |
|
|
My wife and I applied for a {$270000.00} home equity line of credit from TD Bank to be secured by our residence, which had appreciated in value since our previous financing. In order to qualify for the HELOC, TD Bank required us to refinance with TD Bank the existing, 30-year fixed rate mortgage we had with a different lender. We agreed to refinance our home as a condition to the HELOC. We simultaneously closed the refinance of the mortgage and the HELOC on XXXX XXXX, 2016.
At the simultaneous closing of the mortgage and the HELOC, TD Bank did not collect any closing costs from us. Pursuant to the Closing Disclosure prepared by TD Bank and executed by my wife and me, TD Bank gave us " Lender Credits '' for closing costs equal to {$9700.00}. This more than offset the {$9500.00} in closing costs listed elsewhere on the Closing Disclosure. As a result, the Closing Disclosure clearly stated that the aggregate net closing costs to us were - {$150.00}.
As soon as the HELOC closed and the funds became available to us on XXXX XXXX, 2016, we withdrew the entire available principal amount of {$270000.00}. Later that same day, TD Bank drew {$9700.00} from our HELOC account without our knowledge or consent. To be clear, at the time TD Bank drew the {$9700.00} from our HELOC account, the HELOC had already been drawn down to {$0.00}. As a result of TD Bank 's draw, our HELOC was overdrawn by {$9700.00}.
We only learned that TD Bank drew additional funds from our HELOC account once we received notice from TD Bank that our HELOC was overdrawn by {$9700.00}. Only after we spoke to a representative at TD Bank did we learn that TD Bank intended to apply the overdrawn amount to " closing costs ''. The draw by TD Bank expressly contradicts the Closing Disclosure that it prepared and required us to sign at closing. Further, TD Bank made no effort to collect from us, or draw from our HELOC, any closing costs at closing.
Since we first received notice of the overdraw, TD Bank has threatened us with collection on numerous occasions. We have discussed this issue with various representatives of the bank but have not received a satisfactory resolution. TD Bank representatives attempt to support their position by pointing to the Closing Disclosure. This is despite the fact that the Closing Disclosure clearly states that we were to receive a credit for closing costs from TD Bank at closing.
We are deeply concerned by TD Bank 's actions and the threat to both our property and our credit rating.
|
| 05/25/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
On XXXX i called the lender to request a payoff statement for my HELOC loan to be faxed to my attorney. I provided my attorney fax number. The rep I spoke with stated that the payoff statement would be faxed to my attorney in 2-3 business days. It should be noted that I had previously requested a pay off statement from the lender on XXXX and this was received by my attorney on or about XXXX On XXXX i received an email from my attorney that they had not received the payoff statement at XXXX on XXXX I called the lender and spoke with representative XXXX in the loan servicing department. XXXX stated that the payoff statement request was rejected because the attorney was not an approved coop attorney. XXXX transferred me to supervisor XXXX in the loan servicing department. XXXX confirmed that the payoff request did not process because the request did not come from an approved coop attorney. XXXX confirmed the fax number on the XXXX request was XXXX, XXXX confirmed the fax number on the XXXX request was XXXX and the XXXX requested was faxed on XXXX. XXXX confirmed that the request came from me ( the borrower ) on XXXX and on XXXX. First one was completed and second one was denied but both requests were exactly the same. XXXX submitted an urgent payoff request to the payoff department manager to ask why the XXXX was not completed or to rush this request out today. XXXX stated that the payoff department XXXX has a standard turnaround time of 2 hours for an urgent payoff request. The payoff department replied to XXXX stating that they can only accept a payoff request from an approved attorney for a coop. XXXX confirmed that the payoff department is not able to accept payoff requests from the borrower directly and that the prior payoff statement was issued in error. XXXX stated that the payoff department advised that the borrower should already be aware that payoff requests must come from an approved coop attorney. XXXX confirmed that all of the lenders calls are recorded. XXXX provided his contact information. XXXX stated that the is able to speak with my attorney directly with my verbal approval and the verbal approval is good for 24 hours. I provided my verbal approval to speak with my attorney and/or her assistant.
I believe the lender is intentionally delaying my payoff statement in an effort to extend the length of my loan so they can collect more interest. If this was an error the lender should accept responsibility and refund the interest due since the date of the error.
|
| 01/17/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I was at TD Bank depositing money ( {$250.00} ) into my account via ATM. The ATM proceeded to take the {$250.00}, rejected {$40.00} but did not credit my account with the rest ( {$210.00} ). As it was New Years night, the bank was closed so I called the help line. They told me that there was nothing I could do over the phone and that I had to go to the bank the following morning to fill out a loss prevention form. I filled it out and was told I had to wait 10 business days ( which was not the best because I had rent due the next day ). I waited however, and never heard back from them by the end of the time. When I called the following day, I was told the claim was denied. Shocking given the fact they can see through security cameras that I deposited the money into the account, it did n't show up on my statement, and the ATM was most likely over {$210.00}. I spoke to a supervisor named XXXX XXXX, who called the branch on XXXX XXXX in XXXX New York, where I deposited the initial amount. XXXX said, after speaking to the manager, XXXX, that the ATM was not over that day, therefore they can not credit the account. You would think at this point they would check my statement and see that I, in fact, did not have a pending deposit for any amount ( let alone the original {$210.00} ) that day while also checking the security cameras to see the transaction go down.
Their only solution was for me to go back and re-submit the report, although the outcome could be exactly the same and I could be re-submitting reports for months before I see my money. Unfortunately, I had work, so I had to authorize my partner to go in and speak to the manager. She went to the bank anyway & spoke to manager XXXX XXXX ( who she said was excellent ). She brought both the initial report and my statement showing that no amount of money was deposited that day. XXXX found out that despite what the investigator XXXX XXXX XXXX XXXX said there was some kind of discrepency in the ATM that day. However, the only thing she could do was email XXXX and ask for her to expedite the process. XXXX attempted to call the ATM investigation unit, but she was put on hold for more than 10 minutes. The quickest I would hear anything more about the investigation would be the following day ( tomorrow ).
When my partner questioned XXXX about checking the security cameras as evidence into how much money I deposited into the machine, they said the only way to do that would be to file a police report, which could take a long time.
|
| 08/25/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
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On XXXX XXXX, 2017, a charge in the amount of {$1900.00} was made to XXXX XXXX XXXX 's account from XXXX XXXX. This was not an authorized charge, we have not done any business with them, and do not know who they are. I called TD Bank to dispute the charge and was told that the matter would be resolved within 2-3 days. I then called back only to be told it should take 7 days. After that period, I contacted the bank again, and after being transferred to supervisor, I was informed that they will not be able to reverse the charge since it was reported more than 24 hours after posting. This is very unusual to hear, as they are stating that you basically have to be chained to a computer to check bank statements on a daily basis. I have never experienced such poor protocol and service from financial institutions in the past. They are effectively saying that if I 'm away for a few days and someone processes an unauthorized charge, I have no recourse. When I asked what can be done to prevent this from occurring again in the future, the supervisor responded, " Nothing. '' This is completely unacceptable, for a bank to tell their customer that there is no safeguard in place to prevent someone who happened to get our account number, whether from a check or from some other document, to just be able to go and drain our account. If I do n't catch it within 24 hours, I 'm out of luck according to XXXX. Afterwards, I 've contacted the merchant directly to see what can be done. The merchant stated that they though it was a strange transaction because it was done very fast, the customer picked the best tier package, and the location was for a low-income area, which is inconsistent with similar orders. He nevertheless proceeded with the transaction. Both me and the owner of XXXX filed a police report. XXXX claimed that they ca n't return the funds because then they will be at a loss, and that I should pursue the issue with my bank. As it currently stands, I 'm out almost XXXX XXXX dollars, and my bank is refusing to reverse the charge on the basis that it was reported more than 24 hours afterwards. I have never heard of such a policy, and do not believe I ever signed any documentation stating such a policy. In all my experience with financial institutions, I 've had a month or more to dispute charges. Not everyone checks their transaction history online, some still receive paper statements, so I can not understand how such a policy is even legal. Thank you for your attention to this matter.
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| 09/12/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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Web |
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I was charged an unexpected XXXX $ fee due to TD Bank 's misleading.
On XX/XX/XXXX, Monday, I called TD bank to see how can I pay my college tuition to a XXXX university ( University XXXX XXXX ) with my American bank account. The amount is XXXX $ and an additional 1.75 % convenience fee which was XXXX $ ( in total XXXX $ ).
Meanwhile, I also had the bank wire transfer information on my hand and asked if I could do a bank wire transfer online considering the pandemic.
I was suggested that No you have to do bank wire transfer in person and bank wire transfer would cause a fee ( XXXX $ ) and you would want to do it with your card to avoid this fee. Thus, I used the debit card and paid this fee online. During my previous calls with TD bank ( on XX/XX/XXXX and XXXX ), I also inquired if there would be other fees despite the tuition and the convenience fee. All customer service staff I talked to were not aware of the international transaction fee.
However, after a few days, I found I was charged XXXX $ and XXXX $ international transaction fee by TD BANK. I was misled to pay XXXX $ to avoid the XXXX $ wire transfer fee. I felt shocked and called TD bank immediately and illustrated my situation to the customer service staff. He contacted his supervisor. they just kept saying sorry for my loss and they would educate their employee and asked when did I call. However, they told me they didnt have the authorization to refund these two international transaction fees.
On XX/XX/XXXX, I went to the local branch of TD BANK ( XXXX XXXX XXXX, XXXX, MAXXXX ) and made a complaint about this issue. The local assistant managers XXXX and XXXX were responsive and told me they would have to ask their supervisor and gave me feedback on the next day around XXXX. They were not familiar with this fee, neither.
On XX/XX/XXXX, I didnt receive any call thus I called the bank. XXXX told me they would need to do an investigation and asked when did I call. I replied. However, I didnt receive any call after that. I called on XX/XX/XXXX and XXXX and be told it was still under an investigation.
On XX/XX/XXXX, I found I was charged a XXXX $ maintenance fee because I failed to keep a minimum daily balance ( and it was because I was charged the international fees ).
Now, it has been another whole week but I still did not hear anything from TD Bank.
Thus, I would want to ask help from you to see if you can contact somebody in the bank who would have the authorization to compensate for my loss.
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| 08/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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Hello CFPB I have started this case because the last two months have been a nightmare dealing with TD bank Credit Card service.
Just for a quick recap, on XX/XX/XXXX i lost my job, i have been going through some personal medical issues as well and my partner has been kind enough to handle the finances for me, just recently on XX/XX/XXXX i have paid off all my Credit Cards and shortly after i started using them again. I have one CC with TD, for the limit of only {$500.00}, since the payoff i have used the amount of XXXX in total from their credit line. My partner was helping me pay off and he realized on XX/XX/XXXX, just on due date that my balance kept going up, he asked me if i had used the card and i explained him that i have not.
After we went through the statements we had realized that TD had charged us a late fee for every single months since XX/XX/XXXX. As of yesterday which it was the XXXX due date we had 4 fees, two of them for {$27.00} and two for {$37.00}. They did remove one of the fees and that means that we were only left with three of them plus a XXXX XXXX monthly interest.
We stopped paying in XX/XX/XXXX and my parter, XXXX advised me to escalate this case with them to have the fees reviewed, We have a total balance of almost {$400.00} and we have just used {$200.00}. We feel TD is a predatory institution that has not just unfairly charged fees, but they have repeatedly declined to help us resolve the fees.
I spoke to one of their managers, i feel like she was the only one that was honest, she said that we have paid less then the minimum amount but the payments have been submitted on due date. We can assure you that we only have paid what the minimum amount is advised on their system.
I gave them a chance till yesterday, XX/XX/XXXX to review their information before we took any additional steps to resolve this. We are not comfortable with their politics and most importantly we have come to the realization that their practices have possibly hurt a lot of people. We are willing to share any information related to the matter to get to the bottom of this.
Please see the three attached statements for the last 3 months, we have paid the minimum amount advised on the app in all the last 3 months, and we have received fees on all three of them.
Please help us and the American People from this PREDATORY INSTITUTION, they are in business to take advantage of the hard working people so their top bankers can make millions a year.
Respectfully
|
| 07/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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On XX/XX/2017 I used my credit card for a friend that lives out of the country to pay a some type of fees on his timeshare account with XXXX XXXX XXXX XXXX XXXX XXXX ; Because his credit/debit card was declined due to his banking security issues and he was not able to use his own credit/debit card at that time, so I used my card for the transaction. That was the ( ONLY TRANSACTION ) I allowed to be made on my credit card and never signed any contract with XXXX XXXX XXXX XXXX. ; After a couple of months I was traveling in XXXX and tried to use my card for a small purchase and the transaction was denied, I figured that the transaction was declined because I was out of the country at that time. Once I arrived back to the United States I contacted my bank and logged in to my online account only to find out that there were several large amount charges from XXXX XXXX XXXX / XXXX on my credit cards, so I contacted my credit card companies and let them know that the transactions were not authorized by me, so they place a claim for the transactions. Everything seems to be fixed for a while but after a couple of months the charges were reversed back to my account and the bank issued me a letter stating that XXXX XXXX XXXX XXXX. XXXX. ; provided them with my authorization for the transactions when I did not. XXXX XXXX XXXX XXXX. XXXX. negligently and knowingly charged my cards without my authorization for their member/stockholder account because their member/stockholder credit/debit card would not go through for the transactions, so they charged my cards over and over. Without my authorization XXXX XXXX XXXX XXXX. XXXX. saved my card information on their system without notifying either myself or their member/stockholder.
After and while looking up the company online I found similar situations, they are money hungry and their agents try and do anything to get money in no matter what even it it is to break law in every aspect.
Now, I owe my credit card companies {XXXX} not counting interests and my credit card companies only tells me to go to the police and nothing is resolved.
Now the only choice I have is to file a law suit in Federal Court to recover the moneys they charged me because I can never pay this amount.
This also have impacted dramatically my credit scores making it impossible for me to get a loan due to extremely high interest charges. Even more, myself and my partner have almost all of our accounts jointly and his credit has also been affected dramatically.
|
| 03/10/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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My name is XXXX XXXX. I am a student in college and from around the area of XXXX, Pennsylvania. On the day of XXXX I received a check of XXXX $ from a scammer ( as a student I am desperate to find a job right now. One day, I got an email from my school that said this person needs to hire someone to take care of their dog. I got scammed out of XXXX $ because TD Bank cleared a bad check. If TD bank didn't clear the check I would not lose that XXXX . It's a really long story and I also filed a police report for that in case you guys want to take a look at it. Police report number is : XXXX ). I deposited the check on XXXX, 2021 and TD Bank cleared the check on the next business day ( XXXX, 2021 ) with the full amount of XXXX $! Before making a withdrawal and sending the XXXX $ to the scammer I have already called the bank and asked if that check was really good and they said yes the check was good! After that I still waited 2 more days to see if the check still good and then I decided make a withdrawal of XXXX $ from it. ( The scammer told me that XXXX $ is the payment for my first week as a secure position of take care their dog and the rest of XXXX $ they want me to send it to someone else ). 5 days later TD Bank blocked my bank account and didn't even bother to send me an email or give me any call to say that the check was bounced. I had to call them myself once I found out that I can't log in to my bank account. By that time they kept charging me overdraft fee money of XXXX $ for overdraft and they still blocked my bank account. Because I have no access to see my bank account balance so I cant prevent my account from an overdraft. Now I am in a debt of XXXX which I was saving to pay for my tuition. I don't understand why a bank cleared a bad check and gave me access to the full amount of XXXX $!! Then don't tell me anything about the check was no good and keep charging me overdraft fees without my knowledge about what happened. I am a student and the amount of XXXX $ was a really big amount for me. I trusted TD Bank and was their loyal customer for a while but after this incident I will definitely move on to another bank who can protect me and appreciate my money. Below is the proof that the check was cleared by the bank. Lucky that I was screenshoot it before they blocked me. They still block me now and I already pay them back XXXX $ as of today. Their overdraft fee is crazy. I want to share my story to the other people so that others can learn from my experience.
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| 08/31/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Money was not available when promised
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Web |
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I have been a customer of TD bank for over 5 years.On XX/XX/19, I went into TD bank at XXXX XXXX XXXX, XXXX, NY XXXX for an international wire transfer from my TD bank account to my XXXX XXXX account in XXXX.I went into TD bank with a bank statement from XXXX XXXX that contained all the information required to facilitate the transfer.The amount to be transferred was $ XXXX.US dollars and I was advised that it would equate to XXXX British pounds and that it should be in my XXXX XXXX account by XX/XX/19.I travelled to XXXX on XX/XX/19 because I needed the money to buy a property in XXXX.
I went into XXXX XXXX in XXXX, XXXX on XX/XX/19 but the transfer had not arrived but was advised by my bank in XXXX to wait for a few more days.
I checked again on XX/XX/19 and the money had not arrived.
On XX/XX/19, I rang Td bank from XXXX to notify them about what had happened and was advised to call back on XX/XX/19, which I did.I was then informed that an investigation would need to be conducted.I returned to New york on XX/XX/19 and deposited a pay cheque into my account on XX/XX/19, I discovered that a payment for {$28000.00} dollars had been credited to my account without prior notification from anyone.
On XX/XX/19, I went into TD bank in XXXX XXXX.and requested to speak to a supervisor.I was seen by a lady called XXXX and explained to her what had happened.She advised me that the money paid into my account was a refund but that she needed to look into the matter.I informed that the refund is about {$1900.00} dollars short of the original amount and that I was not prepared to suffer a loss of almost {$1900.00} due to a failed international wire transfer because I had provided all the information that was required for the transfer.On XX/XX/19 a few hours after seeing XXXX she rang me to inform me that she believed that some type of error had occurred but she still needed to investigate the matter. On XX/XX/19 XXXX rang me to inform me that the lady who did the wire transfer had just returned from vacation and the reason why the transaction failed was because of an invalid account format.I advised XXXX that my XXXX XXXX account is still live and valid.I am appealing to CFPB because without your intervention I dont believe TD bank are willing to resolve this issue.I have already lost money by travelling to XXXX and failing to achieve my aim.I was not able to proof to the seller I wanted to buy the property from that I had sufficient funds available to purchase the property.
|
| 10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Servicemember |
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I. Introduction : I hereby submit a formal complaint against XXXX for XXXX discrimination , retaliation, bank fraud, wire fraud, and violations of the RICO Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. XXXX. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with XXXX, highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank Fraud : I have reasons to believe that XXXX AND XXXX has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : XXXX AND XXXX is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. RICO Violations : XXXX AND XXXX actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act, specifically 18 U.S.C. 1961-1968. XXXX XXXX Discrimination : XXXX AND XXXX has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. XXXX. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX and XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. XXXX XXXX XXXX refusal to do the same raises serious concerns about their practices. XXXX. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to XXXX discrimination, bank fraud, wire fraud, and RICO violations. XXXX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against XXXX. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter becasue its CAUSING ME DAMAGES AS XXXX XXXX XXXX
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| 01/09/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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To Whom It May Concern, I hope this email finds you well.
In the XXXX XXXX I received a promotional snail mail from TD Bank. Then, I used TD Bank 's website for the promotion : checking & savings account bonus for {$500.00}. I applied it then I sent a secure message to customer service to confirm my eligibility before I deposit any funds and set up direct deposits. I got a reply from XXXX ( XXXX XXXX XXXX XXXX ) with a confirmation message and the deposit requirements as you mentioned. You can see our secure messages and transactions & statements in the attachments. I completed all of the steps & requirements within 3-4 months. After 4 months, she told me that I am not eligible for the bonus anymore but TD bank sent me the promotion via snail mail first and I double-checked with customer service to confirm my eligibility before I do any deposits. I always do this.
This is a serious click-bait scene. If I wasn't eligible, you'd have told me in the first message before I do my deposits. There is a serious unethical non-customer-friendly practice right there. Otherwise, I'd close my account without depositing a penny or keep it as a regular checking account. Excuse my language but, they made me feel like a stupid customer. Personally, It was quite insulting. You also cut a lot of maintenance fees from my account instead of giving the bonus. I paid the fees for sure... I'd like to get my {$300.00} checking and {$200.00} savings bonus ( totaling {$500.00} ) promotion to cover my losses and dignity.
I tried to resolve this issue with customer service but we got no response at all. I tried to get help from Massachusetts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but she never heard back from TD Bank as well. In the meantime, You did a similar click-bait to my wife as well with no bonus at the end. We wanted to give TD Bank another chance but TD bank betrayed us again. We are working with a lot of banks, investment & wealth management corporations, and brokers. We always receive our bonus for security transfers, direct deposits, savings accounts, etc.
In the end, they never did what TD did. Unfortunately, this clarifies TD Bank 's unfair business practices with these bonus offerings to gain ( or click-bait ) new customers. TD Bank should avoid these unfair business practices. Please understand my great frustration!
Thank you for your time and consideration. You will see the bank statements and my confirmation messages as PDF attachments.
Sincerely
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| 11/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
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Web |
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I recently called my bank in order to see if I qualified for a title loan. The reason for my request is that I have recently fallen behind on my child support payments and my license, as a result, had been suspended. The customer service agent conveyed to me that TD Bank doesn't offer this type of loan, however, see did inform me that I might be interested in TD Rewards card. The card would allow me to retire some credit card debt via balance transfer which in turn would free up credit for a cash advance. She told me that the application could be completed over the phone and the entire process would take ten minutes. However, the process would require a hard inquiry on my credit report. This concerned me because I was aware of the adverse consequences such actions have on ones credit score. I specifically remember the sales agent saying that a " decision '', approved or not approved, would be rendered immediately. As much as I didn't want the hard inquiry, I accepted the offer to apply for the card. Indeed the response was immediate, but it did not indicate approval or non approval. The response from the computer was that I would hear from TD Bank via mail within 7-10 business days as to whether I meet the criteria for the card. At no point during the call did the sales agent warn me that there was a remote chance that I would have to wait 7-10 days for a response. Indeed, the immediacy of the decision played a major factor into me agreeing to apply for the card. I asked top speak to a supervisor to voice my displeasure with the process. I told a woman named XXXX that I was told a binary outcome ( yes or no ) would be rendered in 10 minuets ( not 7-10 days ) if I agreed to the application process. I told her that I would like to have the hard inquiry removed from my report or to resubmit the application with an eye towards approval given the circumstances. She told me that the hard inquiry could not be removed but she could resubmit the application. This didn't inspire much confidence in me given that no additional financial underwriting had been offered or performed than that which had already produced and undesired result. So now I'm left with no TD Bank rewards card and a hard inquiry on my credit report. In retrospect, I feel that I would have been better off if the original sales agent had simply said that TD Bank does not offer title loans in New York and if that was the end of the conversation then no harm no foul. However, obviously this was not the case.
|
| 02/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
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Web |
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This is a complaint against TD BANK, specifically the fraud, claim and resolution department, the bank without notifying me made the decision to block my accounts and then close them, because I made a transfer of {$10000.00} from my business account to my personal account with TD BANK, in less than 24 hours the bank decided to block my funds arbitrarily without any kind of explanation, I think it is an abuse of authority and disrespect against me, because if I am the owner of the account and I want to know why they do not want to give me the funds that belong to me, I can understand that those funds the bank refunded me for a fraud that they made me online with purchases in cryptocurrencies that were not made by me and the bank put me a temporary credit for me to use, but I don't understand why they put and then blocked me without any explanation, now they blocked my account and left me without money, they are my savings, I don't have to pay rent, I don't have to pay utilities, I don't have to pay for food, they left me practically in XXXXhe street, I am on the verge of madness economically and with a resolution for 90 days, I feel and believe that the bank is stealing my savings and money I think, because 90 days is too long and as I live in those 90 days how do I get for my food, my rent, utilities, help my daughter, they left me like a pauper and more in these strong times of pandemic, they are abusers and disrespectful for these hard times and make me wait seriously 90 days? It seems to me an abuse and lack of everything.
I have gone 2 times to the bank to try to solve this huge problem and the workers do not even pay attention to me, which is very serious for me, I have a XXXX XXXX XXXX girl and I do not know what to do, since they do not pay attention to me at the bank and do not want to help me with my big problem, I had to go to this organization that helps and protects the consumer because for me it is a serious problem, because it is about my economic and emotional stability of me and my family, I think that TD BANK is handling this problem in a very rude way, how can they give me 90 days to solve this? They don't care because they have a lot of money and they are millionaires, they don't pay attention to the people, it must be that the investigator of the case has no family to put me this big obstacle with my problem, he has no scruple, he doesn't care to play with the single mother and as the bank has the power he plays with the people 's money.
|
| 03/19/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
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Web |
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I recently had {$3500.00} stolen from my account fraudulently and to put it lightly, the worst part about my situation was my experience with how TD Bank handled the incident rather than the fraud itself.
On XX/XX/2021 at XXXX, I received a call from the real TD bank customer service number ( XXXX is what showed on my caller ID ). The Agent claimed to be XXXX with the TD Bank fraud department. XXXX with TD Bank advised that I had a few suspicious charges on my account from XXXX, New York. He asked for my permission to send these charges over to their fraud department and I said sure. All he needed me to do was reply Y to a series of normal cell phone text messages.
At no point during this call did I visit TD Banks website, use their banking app, provide my private information to the caller, or request that funds be transferred out of my account in any way. The call ended with no other actions taking place.
Unfortunately, what I did not know is that TD Bank had already granted this person access to my account without my involvement.
I have now been told that the criminal used TD Banks XXXX service, a service that I have never used during my time with TD and did not use on that day either. The individual initiated twenty-three charges in total using TDs XXXX service.
After the call, I went to check my account and realized something was fishy when I couldnt log into my mobile checking account. So I called the bank using the same number I always use. As instructed by TD, I notified the police of the event and have been working with a detective here in XXXX, MA. I have now submitted three fraudulent claims through TD customer service representatives and sent a record of the police report as well. The representative that I have been in touch with at my local TD branch has even submitted a letter of acknowledgment that my situation is legitimate.
Furthermore, I have been calling customer service consistently to check up on the status of my claims and to ensure they have received all pieces of documentation to validate my case. Each time asking for my story to be repeated. I found out by way of calling customer service my claims of fraud have been denied. I have come to conclude that my story had been skewed and altered to fit TD Banks definition of a scam, even though the criminal clearly gained access to my account before ever calling me.
TD Banks unwillingness to listen and the skewing of facts has made this a profoundly frustrating and long process.
|
| 08/22/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
Servicemember |
|
Opened TD personal checking account ( TD Premier Checking ) on XXXX in response to a promotional offer ( Earn {$300.00} ). After funding the account with a payroll direct deposits on XXXX OF {$2500.00}, I called the bank to see about the status of the promotional credit. I was told that someone would respond in 3 days. A week later I called again and was told that they would submit an inquiry ( again ). After no resolution and belief that the checking offer was deceitful and bank never intended to fulfill, I called in late XXXX ( XXXX I believe ) to close the account. ( I had already written a check on the balance to reduce the outstanding balance to {$0.00} ). The phone representative refused to close the account, stating that I needed to do it in person at a branch since there was XXXX cents in the account. I asked to talk to the supervisor, XXXX ( rep number XXXX ) who was rude and started the conversation with something like " The representative already told you we ca n't close the account and I wo n't tell you anything different ... '' Finally, she advised that I use TD 's send money online function to transfer the XXXX cents out of the account ( because ACHs cost more than I had left in the account balance ). After hanging up I tried this option only to learn that there is a {$1.00} minimum to use Send money. Finally, I wrote myself a check for XXXX cents and deposited it into another bank account ( different bank ). I called the next day XXXX ( since the check had already been presented and my account balance was showing {$0.00} online ), and XXXX told me that I may get a monthly maintenance charge for being under the minimum balance since the account cycle would close Tuesday and she required 3 business days to close the account. She suggested waiting to see if I was charge a fee and calling back to close the account later ( after waiting on hold the third or fourth time for over 30 minutes each time ). I told her I wanted a close request be submitted immediately and that their bank ( TD ) could control whether they closed before a maintenance free could be assessed by them. I also asked about getting a credit for final cycle residual interest earned and received no understandable response. I never did get the few pennies of residual earned interest for the final cycle. TD was deceptive in it 's promotional checking offer and was coercive attempting to get fees by not closing the account in a timely manner without excessive effort made by customers.
|
| 07/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
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on XXXX XXXX XXXX XXXX XXXX received a text from XXXX : Suspicious activity detected at XXXX XXXX XXXX for {$1900.00} if valid replay VALID, if fraud replay FRAUD. Replay STOP to Stop. have never experienced such and was not sure this was Fraud or Phishing text message so at XXXX XXXX call XXXX the number on the Credit card and spoke to XXXX XXXX and asked her was the message form TD Bank and she said it is. I immediately informed her it is definitely FRAUD, and I did not make those charges. XXXX XXXX said she will close the account and issue a new account and a new card will be send out. XXXX XXXX also said she will put in a challenge to these charges. I informed her that I have not use the card for a while and the last charge I placed on this card was XX/XX/XXXX on XXXX for {$2.00}. I told her the reason I have not use the card because TD Cash card now charges foreign transaction fees and the initial reason for applying for the card is because there was NO foreign transaction fees. I also texted back on XXXX XXXX to the text with the response of FRAUD I have applied to all three credit monitor agency for Fraud monitor, started Federal Trade Commission, Identity Theft.gov and send in the FTC Fraud letter to TD Cash / TD Bank.
since then I have spoken to many TD Cash Credit / TD Bank customer services and asking them why I am still being billed for these charges, when I the card holder have call, text and spoken to TD Cash customer services that it is FRAUD and I did not make these charges, most of the TD Cash / TD Bank customer services will said, I will put in a challenge to these charges and the case is still under investigation.
I have send and faxed to TD Cash Credit / TD Bank proof that I was in XXXX XXXX XXXX and no where in Colorado. I send in New York XXXX XXXX transaction to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX receipt, XXXX XXXX XXXX receipt and my phone GPS location, clearly showing I was in New York XXXX.
I have also requested a letter stating that I have called in on XX/XX/XXXX ( Tuesday ) and reported as FRAUD, texted back as FRAUD, my account was closed, a new account was issued and new card was send out, and all my contact information was correct. I have spoken to many TD Cash /TD Bank customer service and to date I have yet to get the letter I request. This letter is clearly stated on Federal Trade Commission, IdentityTheft.gov web site. It is just been a frustrating experience dealing with TD Cash Credit Card / TD Bank.
|
| 02/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
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On or about XX/XX/XXXX, I received a notice dated XX/XX/XXXX about an account ( # ending in that I never requested nor applied for from TD Bank. The notice stated there was a beginning balance of {$0.00} and a {$5.00} payment transferred on XX/XX/XXXX to " XXXX and an account # -- ending in XXXX. The body of the letter stated that an overdraft fee of {$0.00} was assessed. The day prior to this, I had received credit cards ( 2 ) from this company which I already destroyed not knowing what was to come. The next day, I received a batch of checks. I tried calling this company the first day and got nowhere. They said they were transferring me to a fraud department but the calls went dead after a few minutes of being on hold. After that, I called numbers that I found online rather than from the papers they sent me. The bank itself appears to be legitimate but they have done nothing to help me. They have made no move stop this and " close '' the account. They have not verified the account. At one point, I called XXXX XXXX, the company who prints the checks that I know to be a legitmate company. I was promised that they would call this bank and inform them that I had declined the checks. This resulted in somone answering my next phone call but the bank representative merely stated that I should destroy everything and the account would be closed.
On XX/XX/XXXX, TD Bank sent me another notice for a DIFFERENT account ( # ending in XXXX -- for which see above ). This one states that the account is overdrawn and that I owe {$35.00}. On XX/XX/XXXX, TD Bank sent yet another notice for this second account that I must deposit {$65.00} in order to clear the overdraft and avoid any additional fees. During my most recent call to them ( today ), I was told only to call XXXX and XXXX. Again TD Bank is not taking ownership of nor helping to resolve an issue that is theirs, but is happy to refer me to the companies who may be receiving bad reports from them about me. This is beyond lunacy.
Several things to note : 1 ) I have never heard of TD Bank before this.
2 ) TD Bank will NOT have a signature card on file for me as I never applied for any account through them EVER.
3 ) The checks list a phone number that I have not had for over 10 years.
4 ) One of my acquaintances has begun to receive the same type of documents from TD Bank!
I am NOT uploading files at this time but would be happy to do so if they are needed by an agent of the Consumer Finance Protection Bureau.
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| 02/04/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Dear CFPB Thank you for hearing me again over the last 8 yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over 6 times in a 5 yr period.
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed.
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XXXX because in my city you cant have collections you cant rent. Even someone had got two evictions on my name when I was out of the country.
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree.
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the XXXX because I support victims of crime. I cant get Hired with these collections.
Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over.
With my line of work with victims of crime I cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane.
IM XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly.
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe.
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? Im dying out here help me get this deleted again. Thank you
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| 08/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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On XX/XX/19, my electronic payment to XXXX XXXX XXXX came into my bank. Later in the afternoon, I realized that I didn't have enough money in my checking account to cover the charge but I DID have the money in my savings account. I have overdraft protection on my checking so the bank will transfer money from my savings to cover any payment that comes in and will charge me {$10.00} for that service. I decided to transfer the money myself and save the {$10.00} feethis left me with a balance in my checking of {$8.00}.
On XX/XX/19 I was charged a {$35.00} overdraft fee. I called TDBank today and spoke with both the branch manager, XXXX in XXXX, Maine and the customer service rep, XXXX in the Call Center. I was told that the charge was due to everything being computerizedwhen the payment came in it was recognized as an overdraft, that night the computer tried to take the money out of my savings account but the money was not there because I had already transferred it, therefore I was charged the fee. I was told that I would NOT have gotten an overdraft fee if I had not transferred the money myself! They could not explain to me how they had the right to charge me since the money was in either my checking or my savings the entire time and I have overdraft protection.
I had a long discussion trying to understand how this was legalhow they could charge me a fee when they were in possession of my money the entire time, they could not explain it other than trying to claim that " it wasn't in my account when computer looked for it. '' I asked to see where in writing this is explained or how they are legally able to charge methey referred me to the 55-page Personal Deposit Account Agreement where the actual situation was not addressed.
The managers both told me that they were not able to refund the fee because I have been refunded overdraft fees 2x this year ( a complimentary service they do ). I understand that I have received this, I live on XXXX and there are many times that I have to manipulate money to cover bills and it doesnt always work. I don't believe that should matter though, this is not something that I did to cause my account to be overdrawn, the money was in my accounts the entire time and I don't believe that they had any right to charge me for this.
I am not asking for a refund for a fee that I causedI am asking for the {$35.00} to be refunded because they had NO right to take it to begin with.
Thank you for any help that you can provide.
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| 01/03/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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On Friday XXXX XXXX 2017 I made a deposit into my business checking accounts located at TD Bank. Made this deposit directly with the teller it was in the amount of {$7000.00} part cash part check. The check was from one of my other accounts located another painting institution also located in New York I confirm with the teller the funds would be available within 24 hours and upon return to my office I thought it was strange that I saw no credit of at least the cash amount I was assured by TD that there was no issue that my receipt was valid and that the account would be immediately credited I scheduled a wire transfer amounts to the IRS in order to pay estimated taxes along with other payments based on this representation and deposit that have been made Tuesday morning I woke up to a bank alert I thought it was two advise me that my account balance was higher than my daily average instead I found that my account was overdrawn by several thousand dollars Review of account activity said showed no fraudulent activity but that the deposit that you made still was not credited to the account Review of account activity said showed no fraudulent activity but that the deposit that you made still was not credited to the account communication with the bank assured me that this will be resolved by this morning and it has not as a result My account continues to be overdrawn automatic payments that are scheduled have been denied therefore impacting any credit report on my end Even the cash that was part of the deposit has been credited and a review of the banking institution where the other funds withdrawn shows that the check was presented to them and successfully transferred to TD therefore the issue Solely lies with TD at this point XXXX deposits by myself as of yesterday to this account did post but yet the larger deposit on Friday shows no history in my account whatsoever Business is essentially a standstill as this is my operating account and its for an attorney firm therefore checks to courts for filings can not be issued for the fear that they will be bounced based on the bank error If they had communicated if the issue at any point other arrangements could have been made on my end be it transfer of other funds cancellation of payments and/or delays to same so as to insure fast funding etc. yet instead no correspondence was issued by the institution at any point nor was there a clear alert on their website. Therefore causing unnecessary stress and confusion.
|
| 02/04/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Credit decision / Underwriting
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|
Web |
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We have an existing HELOC with TD Bank and they are sending us a lot of paperwork to review our loan. which is secured against our house. The problem is as follows : sending paperwork to the wrong address after we corrected it so we did not receive it. Sending us an email only on the XXXX. stating we have until XXXX XXXX to provide a lot of documents or they will term our loan out. I believe it is a loan they call XXXX, a term used within TD, which does not have an expiration date on it. So the contract was written incorrectly, in my estimation only. They are trying to push clients to terminate these loans and refinance. This is not our fault. XXXX should be looked at as a separate matter. We paid off our corporate loan, our HELOC on our second home, and maintain over {$700000.00} balance cash in the bank from the sale of that home. We were told our credit score was XXXX when in actuality it is XXXX, XXXX and XXXX. Also they said there is a judgement from XXXX XXXX ( which is incorrect ) for {$740.00}, which is a ridiculously small amount to bring up when compared to our timely payments on XXXX different accounts. We are working to have that eradicated. Even with that satisfied judgement my scores were that high. In the last five years we had XXXX late payments to TD on our mortgages, never delinquent. At this point, we owe {$100000.00} on a {$300000.00} credit line ( which we want to keep open ) on our HELOC and {$360000.00} primary mortgage which is secured by a property of {>= $1,000,000} with a {$700000.00} savings account. I want to keep our HELOC and not be forced out by TD. I have asked for a copy of the original contract that says they have the right to review it after 5 years and am yet to receive it.Their suggestion was to take our {$700000.00} of savings, put it with their wealth management team and be charges 1.4 % management fee per anum and then they would give us a {$300000.00} line against our stocks. It seems like a large conflict of interest and somewhat risky. I do not see where we have done anything wrong. I am XXXX, near retirement, and I want to keep that line to start a XXXX in Vermont. Incidentally, if they term us out, it will be a fixed payment over 10 or maybe 20 years but an interest rate of over 5.2 % and we are currently paying 3 %. But it is a fixed payment where we could not pay early or re-borrow again. It is an entirely different structure and would indirectly force us into not managing our money they way we want to.
|
| 04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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I am writing to address an issue I encountered with the Target/TD Bank autopay system. In XX/XX/2023, I attempted to sign up for autopay using my main email address, but the system indicated that the email was already linked to an account that was closed last year due to nonuse. I followed the system 's instructions to retrieve my password and set up autopay for my current account.
However, despite successfully setting up autopay, I received a notice in XX/XX/2023 that my account was past due. After calling Target Red Card, I learned that the autopay I had set up was canceled without my knowledge. I was told that it was linked to the old account that Target previously closed for nonuse and that I needed to manually cancel the old account and link the new one to my email and set up autopay again. The system had canceled my autopay without generating any notification via text, mail, phone call, or otherwise.
Additionally, I would like to note that I recently moved to a new address and updated my information with Target at that time. It is possible that the system may have been confused by this change, but it would be expected for Target/ TD Bank to have processes in place to ensure that customer information is updated accurately and in a timely manner, especially when dealing with matters that affect people 's credit.
During the phone calls with Target, the associate I spoke with confirmed that autopay was in fact enrolled for my account. However, I later discovered that the autopay had been canceled without my knowledge or consent.
Furthermore, it appears that there are issues with closing my old account and not closing the online portion of it, which has caused further confusion and frustration.
I believe that TD Bank 's handling of this matter may have infringed on several consumer protection laws, including : The Truth in Lending Act, which requires lenders to disclose information about their loan products, including any fees, interest rates, and other terms.
The Electronic Fund Transfer Act, which regulates electronic fund transfers, including automatic bill payments, and requires banks to investigate and correct errors in a timely manner.
The Fair Credit Reporting Act, which requires credit reporting agencies and lenders to maintain accurate and up-to-date consumer credit reports.
I would like to request that TD Bank take immediate action to correct damaging reports on my credit report.
Thank you for looking into this matter.
|
| 09/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I traveled out of the country on XX/XX/XXXX and returned on XX/XX/XXXX, XXXX when I returned I noticed some unauthorized transactions on my TD Bank credit card. I called immediately to report and inform them of the unauthorized transaction on my credit card. Even though my credit card was still in my possession. There were six different transactions that occurred on the card, which summed up to {$760.00}. I spoke with someone on the phone and it was made clear from the conservation that, once the card was in my possession and the transactions proved that the card was physically present for those transactions, there was nothing they could do. She then proceeded to ask to file a police report if I wanted to consider the case legitimate and increasing my chances. I did file the police report and faxed it over.
Going back and forth on the phone, I was told to go see a local representative at any local Td bank to try and resolve the issue. but when I got there. they informed me that there was " nothing they could do ''. They don't usually handle fraud and dispute. The only thing that was resolved my them canceling my credit card and issuing me another one.
I received a letter saying my case close and I was responsible for the unauthorized transactions. After reaching out several times, most representatives could not give me a solid reason as to why my case was closed and I was responsible for the {$760.00}. A representative told me to fax the police report over so the can open the case again. Which I did again. Another representative told me they never got my fax. I fax it again. Different representatives gave me different stories as to why my complaint has not being resolved. The recent conversation on the phone with a representative stated my claim was on the system and will be reviewed by top management.
I was vetting out on social media and my informantion was taken. I lady by the name of XXXX reach out to me. explaining to me the process but nothing was resolved either. She was supposedly in top-level management While this dispute was going on. I was made aware that I am not responsible for any payment until the issue was fully resolved. I was very dismayed when I received a letter on XX/XX/2020, stating that, my monthly payment of {$7100.00} is past due. And before that my monthly payment was {$35.00}.
This whole process was quite frustrating and not my fault. I don't see any reason why I should be footing a bill I am not responsible for.
|
| 06/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
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I am a customer of TDBank credit card and on XX/XX/XXXX or XXXX called them regarding the deferred Covid-19 payment option which was advertised on their website. I was found to qualify for the program and they allegedly informed me the next month I would not have to make any payments, only in the beginning week of XXXX which covered their 90day period. I was informed that on the day and month that I called, XXXX that I needed to pay whatever balance due on my account which I did. The issue is that the following month after I was allegedly enrolled in the deferred payment option, a balance due of XXXX dollars was shown in my online statement. I called them and they stated I do not need to pay it, and according to the TD representative at the time that it was probably a computer glitch as the amount should have been XXXX I actually paid that balance due of XXXX despite their assurance and my fear was that they could report me to the credit bureau if the payment didn't post. The next month was the same issue, and I called again to inquire about why do I have a payment due when they enrolled me in the deferred payment option and the TD representative reply was the same as the other one from a month prior which is to disregard and don't pay it. The following month which is this one, XXXX came and I saw another due date for XX/XX/XXXX for XXXX dollars and I called them concerned that I have been taken advantage of and told them what is going on, wasn't I enrolled in this program or not. Her reply which was on XX/XX/XXXX was that I now needed to pay the XX/XX/XXXX balance as the deferred payment option only covered until XXXX. I was irate and respectfully mentioned to her that it ends in XXXX not XXXX. The phone connection either on her end or mine was suddenly disconnected and I called again and this other TD Bank representative said no that the deferred payment option for me ends in XXXX. Not only this is confusing, either deliberately on their part but the issue at hand is that I ended up paying them for those 3 months and the balance on each month was always XXXX and despite their assurances there was no XXXX balance due but an amount which I had to pay or they could of reported me to s credit bureau. This deceptive advertising on their website to help those during this pandemic has made me question their tactics and what they have done is deceive those into paying them instead of having a supervisor or someone send an official letter stating this.
|
| 08/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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TD Bank has effectively violated the Error Resolution Procedure set forth by the EFTA ( 12 CFR 1005.11 ( C ) ( 2 ) ) On XX/XX/2019 I entered my local TD branch to notify them of several transactions that seemed suspicious. I was ordering supplies from what I thought was a legitimate supplier, and their delivery date was 3 days from when the order was placed. It has been over 3 months, I have no received anything. I told the customer service representative that I did not recognize the billing descriptors, and that it could be possible fraud or phishing, she recommended the dispute be entered as " services or product not received '' So on XX/XX/XXXX, I was mailed a letter from TD Bank stating that I, the " consumer '' needed to provide more information as to what was ordered and the expected delivery date, and that provisional credit has been denied for the amount of {$3700.00}. The reason? " Claim amount is too high to provide provisional credit, and that I have to wait 60 days until TD Bank receives communication from the merchant in question as to the validity of the transactions, before any credit will be issued.
Now, I am a self-employed XXXX XXXX XXXX for several processors, and I know EXACTLY what happens when a customer fills out a Regulation E form and signs it, which I did at the time of dispute on the XXXX of XXXX. TD Bank either has debited the merchant and is unwilling to provide provisional credit because they are uneducated on the process they MUST follow, or they are unable to debit the merchant because the merchant account has been closed. If they had followed the correct procedure and submitted the charge back in a timely fashion they may have received the funds.
Regardless they have violated my rights under the EFTA to a provisional credit within 10 business days, as there is no ceiling as to the amount being a restriction in providing provisional credit. I have had this account for over 2 years, and I have 5 business accounts with TD Bank, which I am seriously considering taking elsewhere if this is not rectified immediately.
It is now XX/XX/XXXX, and I have called the merchant, AND TD Bank every other day - I have received conflicting responses from multiple managers and reps, all saying different things. One rep even told me he was going to get me the person 's number who could " expedite '' my claim, this was interesting, so I held the line. He came back and gave me the number to my local branch. Are you kidding me???
|
| 09/25/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
1 ) I have a TD Bank Charge card ending in # XXXX. I always pay my account in full each month. I received my XXXX statement for {$470.00}. A check was mailed for payment on XX/XX/23. It was due by XX/XX/23 XXXX XXXX XXXX. I always mail out bills XXXX of month as I receive my XXXX checks on the last day of the month. Check was not cashed until Monday XX/XX/23. I received a late fee {$29.00} and interest fee {$6.00}, and this started a chain reaction of problems. See attached XXXX statement showing same.
2 ) I contacted TD Bank on XX/XX/23 and spoke with XXXX. A charming young lady who assured me not to worry. Fees would all be taken off bill, I was an excellent customer!
She said it might take two payment cycles not to worry. My credit score then was over XXXX!!
3 ) The late fee only of {$29.00} was removed in XXXX statement. See attached statement.
But now bill had somehow gone up to {$43.00}. I called and spoke with XXXX on XX/XX/23 another very nice customer representative. She stated that she had figured out the XXXX XXXX, not to worry again this would all be corrected!!
4 ) See XXXX statement! Bill was now {$83.00}. I also received a letter dated XXXX from TD Bank stating my {$16000.00} line of credit had been lowered to {$500.00} and my credit score was now XXXX!! See attached. I immediately called TD Bank on XX/XX/23 when I received this XXXX statement and by chance got XXXX. She remembered me, could not believe how screwed up this was and put me thru to XXXX in customer service. XXXX also stated she was surprised at how screwed up this had gotten, and she would talk to her supervisor and get this corrected. I was put on hold for XXXX minutes. XXXX got back on the phone and said supervisor insisted I pay at least 1 of the late fees to correct the problem. I refused and asked to speak with the supervisor. After a long hold on the phone again I was disconnected. I called back and asked to again speak to a supervisor and was told phones were not working properly at this time and to call back another day!
5 ) My XXXX statement is now {$120.00}. I tried to speak with a supervisor and have called this is RIDICULOUS!!
6 ) SOLUTION!!
I always liked TD Bank. Never had a problem till now. Please have them REMOVE all Fees and late Charges. Contact credit agency and restore my good credit. My credit score right now is XXXX!!! Also reinstate my {$16000.00} line of credit and issue me a new charge card!!
Thank You!
XXXX XXXX XXXX XXXX
|
| 02/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/2021, I was the unfortunate victim of a XXXX XXXX data breach in which malicious actors were able to gain access to two factor authentication methods to make unauthorized charges on XXXX customers credit cards. They did it via a method called SIM Swap. XXXX has acknowledged this but has done nothing to help me. On XX/XX/2021 I lost access to my phone connection for that evening and that was when this happened to me. Someone tried to make various purchases on a TD credit card that I havent used in quite some time. They tried making purchases at XXXX and XXXX XXXX. The dior ones were declined but for some reason they were able to successfully purchase an XXXX at XXXX XXXX and make it look like it was me. I have attached the receipt and transaction total. I immediately contacted TD to file a fraud dispute and close my card. TD says they are investigating but I also want to file this complai because TD has yet to reverse the charges. TD has told me that it is going to time to resolve the claim but i am growing increasingly concerned about the charge on my credit card for {$1300.00}. This has been a very upsetting situation for me as a single mother on a very fixed income. I am asking you for your help to recuperate my loss. I did not make this charge and I am saddened that I was a victim and potentially liable for this charge. I have sent you all the information that I have. I also went into the XXXX store in my neighborhood and they went into my account and saw that someone infiltrated my account on XX/XX/XXXX under the guise of it being me. I have not heard anything from TD bank regarding my claim, no letters, nothing. When I call TD to ask about it they say I have to wait. In the meantime they are demanding me to make minimum payments on my credit card which I can not afford, and adding finance fees and late payments to my account. It is in dispute so they are not supposed to be adding on fees. I am suffering from XXXX because of this and am turning to you for help, please. I did not make this charge and TD has done nothing to help me. I need this charge reversed so I can move on with my life. I have attached some information that will help you make sense of this including a news article about sim swap fraud. they were able to gain access to the point that they posed as me to make a purchase at XXXX XXXX without my consent. TD allowed this charge to post. I am furious and saddened beyond belief that they allowed this to happen to me.
|
| 07/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
On XX/XX/2021, at a point in time between XXXX XXXX. and XXXXXXXX XXXX, I initiated an ATM withdrawal of {$750.00} from the TD Bank branch at XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, NY XXXX. However, I never received this money ; if the money was disbursed, then I must have absent-mindedly left the bank without taking it. I have filed three successive claims with TD Bank requesting that its investigators review camera footage relevant to to this ATM transaction and then release that footage to me ; and/or to XXXX XXXX, XXXX. and manager of the Bank 's XXXX XXXX XXXX, the branch most convenient to me because located nearest my residence ; and/or to the XXXX XXXX Police Department ( XXXX ). My third and last claim included the attached scan of XXXX Verification of Crime Report No. XXXX.
The Bank summarily denied all three of my claims. The denial letters issued by the Bank show that the Bank 's " investigation '' of my claims was limited to determining whether my money had been disbursed and taken ( the Bank asserts that it was ) ; however, the Bank 's investigators made no attempt to review the relevant camera footage to see whether it was I who took the money. A review of this camera footage would show conclusively that, if my money was indeed disbursed and taken, it was taken by a person who entered the Bank immediately after I left ; such a review could lead to the identification and apprehension of the thief. The Bank refuses to review and release its camera footage, and it refuses even to review that footage, absent the Bank 's receipt of a subpoena from the XXXX compelling it to do so.
I have been unable to persuade the XXXX 's XXXX XXXX, which is the Precinct that has jurisdiction of the location where the theft took place, to issue a subpoena. The Precinct 's Detective Squad is the only section in this Precinct that has the power to issue subpoenas but the Squad refuses to do so because the crime is one of petit larceny ; according to Detective XXXX, one of the Squad 's detectives, the Squad 's policy is to investigate only felonies. In accordance with this policy, the Squad handed to one of the Precinct 's Neighborhood Coordination Officers ( NCOs ), namely Officer XXXX, Shield Number XXXX, the responsibility to investigate the complaint that I filed with the Precinct on XX/XX/2021 ; as far as I can tell from my conversations with Officer XXXX, no investigation of any kind has been conducted and the case has been closed.
|
| 02/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
We purchased a XXXX XXXX on-line in late XXXX of XXXX. It was delivered by Asurion ( delivery and repair agent for XXXX ) in early XXXX with both upper doors damaged. Over the next 2 months XXXX stopped by 4 times before the appliance was acceptable. At first the upper doors delivered were to another model. Next both doors shipped were for the same side. Next the other door arrived and was installed correctly, but while XXXX removed the shipping tape, the freezer door finish was damaged. Finally, in early XXXX, a new freezer door arrived and the XXXX was accepted by us. XXXX in XXXX XXXX should be able to verify this information. https : //www.asurion.com/repairs/appliance/ At that time, I set up payments for {$1700.00}, starting in XXXX, in my online banking account at XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) based on the Shipping & Billing sheet ( attached ). The automatic payments of {$150.00} were set to pay at the end of the next 11 months with a final payment of {$110.00} to be paid the XXXX month.A copy of these transactions by XXXX Bank is attached.
I have received some statements from XXXX XXXX but I have been unable to make sense of them. I have sent, therefore, similar information contained in this email to TD Retail services at least twice using the reply mail envelope enclosed with the statements. I have never had a response.
I have called XXXX XXXX at least 8 times over the past 2 months. The automated telephone system doesnt work well. It wants you to pay the bill and doesnt give you an operator or real person option. I finally discovered a phone number XXXX where I could talk to a person. I was told to use myonlineaccount.net and that I needed to fill in a Dispute form.
I established my online account and began exploring the online information. The dispute form was very difficult to find, with no direct links to it. Somehow, I found the dispute form and it is attached.
I could not use the on-line system to review statements. It simply would not link to the PDFs. I was able to access monthly transactions by retrieving each month separately from the system not very user friendly. I have summarized them in a transaction table attached.
This table contains {$100.00} in late charges, {$290.00} in deferred interest charges and {$14.00} in actual interest. These total {$410.00}, differing from the total due online of {$430.00} by {$20.00}.
Finally, the on-line system does not appear to balance with the billing system.
|
| 02/11/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
I first reached out to TD Bank through the CFPB on XX/XX/XXXX. At that time there were issues preventing me from accessing my accounts. Those issues were resolved. I was granted additional time by your Promotions Department to meet the requirements for the promotions that you are running on your Checking and Savings accounts. I was granted additional time to have funds transferred into my Savings account - XXXX.
I have met all of the requirements of the Savings account promotion. All qualifications were met by me on XX/XX/XXXX as that is 120 days that I had kept {$20000.00} or more in my account. I am due a {$200.00} bonus in my Savings account for meeting these requirements. The {$200.00} did not post to my account as expected.
On XX/XX/XXXX I reached out to TD Bank 's customer service through secure message on their web site to inform them that I have not yet received the {$200.00} bonus. I received a response with the following : " Thank you for contacting us about the promotion.
This account has been added to our expectations list already. It will be paid during our next fulfillment cycle, within the next 3-4 weeks.
We sincerely apologize for any inconvenience. '' I had wanted to downgrade my accounts to a lower-tier, as with the pandemic and health concerns right now and other challenges, I would like to withdraw my funds from the account without it affecting the promotion and without being charged monthly fees. I wish to downgrade the accounts to the lower tiers. However, I have patiently been waiting for the guaranteed {$200.00} bonus to post to my Savings account.
I have waited the " 3 - 4 '' weeks as promised. Yet the {$200.00} bonus has still not yet been credited to my Savings account. I feel like I'm being strung along as I wait longer and longer past the date where the {$200.00} was supposed to be credited to my Savings account. I have reached out multiple times to TD Bank to ask when it will be credited. I was informed multiple times that my account is on their exemption list to receive the bonus. So I patiently waited the full " 4 weeks. '' Four full weeks from XX/XX/XXXX should XXXX XX/XX/XXXX. However, the missing {$200.00} Savings account bonus has still not been received. I have been patiently messaging with customer service, but still have not received the bonus. After waiting an additional two weeks ( 6 weeks past the date it was expected to receive the bonus ), I now feel I have to follow-up through the CFPB.
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| 03/04/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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HELLO TARGET/TD ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 03/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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1.I have never had an account with this company TD BANK USA/TARGET CREDIT , REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are TD BANK USA/TARGET CREDIT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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| 03/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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1.I have never had an account with this company TD BANK USA/TARGET CREDIT , REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are TD BANK USA/TARGET CREDIT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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| 05/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XXXX, my car was hit by another vehicle. On XXXX, my insurance company XXXX XXXX ( where I carry a complete insurance policy ) deemed my vehicle a total loss ( claim # XXXX ). I have an auto loan through TD Auto Finance, Loan Account # : XXXX. I accepted XXXX XXXX 's offer, which left me with a {$2000.00} gap I will owe which is fine. I did not have gap ins. The problem is that despite many requests, TD Auto Finance has not sent XXXX the XXXX a letter of guarantee. It has been almost 90 days since this accident. TD 's lack of response presents me with an incredible hardship, as I am unable to pursue a replacement vehicle until they have accepted XXXX XXXX 's payment. See below for an email thread with my ins agent : HI XXXX, I got in contact with the Total Loss department, who is handling this claim now, and they advised that they are waiting on TD Bank to send a Letter of Guarantee. Once that is received, XXXX XXXX can send payment. The letter can be emailed to XXXX with the claim number referenced in the subject line. Your claim number is XXXX.
The Total Loss Claims department can be reached at XXXX XXXX if you need further clarity on this.
I hope this helps!
Kind Regards, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Fax XXXX See below for one of my several communications to TD Auto Finance. I have called them XXXX times, as well.
XXXX : Dear XXXX, Thank you for reaching out to TD Auto Finance about your loss. Were sorry to hear about your vehicle and, more importantly, we hope everyone is okay. Please understand you are responsible for payments until the balance is paid in full, in accordance with your contract. If you have any other questions or need further help, please let us know. Thank you for being a valued TD Auto Finance customer. Sincerely, XXXX XXXX Problem Resolution Specialist TD Auto Finance TD Auto Finance is a division of TD Bank , N.A . The TD Logo and other trademarks are the property of the Toronto-Dominion Bank or its subsidiaries.
ORIGINAL MESSAGE XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Subject *Account document or form requestXXXX XXXX is ready to mail you a check but have been waiting quite some time for you to return the lienholder form. This accident occurred 2 months ago. Please promptly send this form to XXXX XXXX this week, so that I may move on with my life.
Thank you in advance for your assistance! I am really simply asking TD Auto Finance send XXXX XXXX a letter of guarantee. XXXX XXXX
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| 10/06/2023 |
Yes |
- Credit card
- Store credit card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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I purchased a sofa through Raymour & Flanigan, and opted for zero-interest financing with a Deferred Interest plan . 12 months later, I was charged a lump-sum deferred interest charge equaling 29.99 % APY on the purchase.
However, this deferred interest plan was not clearly communicated. The Truth in Lending Act ( TILA ) as well as New York Banking law requires clear and prominent communication.
My grievances are as follows : 1. First, my cardholder agreement is not available on the TD website at XXXX XXXX XXXX There is a generic form of Raymour & Flanigan cardholder agreement available, but that agreement cites deferred interest periods of " generally 6 to 24 months ''. The terms available on their website do not specify that my specific agreement was for 12 months.
2. Second, although monthly statements were generated in TD 's system, but these statements were not sent to me electronically. Prior to XX/XX/, I did not receive any monthly statement notices from TD at all. Only one year after I enrolled in the program, from XX/XX/ onward, I began to receive generic emails that reference that a statement is available in their system, for which I need to log in online to access. However, these emails did not communicate basic information such as account balance, interest accrued, or the existence of a deferred fee plan.
3. Third, the only document that references the deferred interest rate plan was in the statement that can be downloaded on XXXX XXXX XXXX However, the deferred interest rate program is not referenced in a clear way. The first page of the statement does not make reference to such a plan at all. There is only one line of information buried on the third page that mentions a deferred interest program.
4. Fourth, the XX/XX/ statement was inaccurate and misleading. On the first page of the statement, TD communicates that {$40.00} will be charged in XX/XX/. However, the actual amount charged that XXXX exceeded {$500.00}.
I believe that TD and Raymour Flanigan Credit have acted in bad faith. They have published misleading terms on their website, have failed to communicate statement balance and other relevant information in email, have buried details of their deferred interest plan in statements that can only be accessed from within their website, have failed to communicate the expiration of the deferred interest rate program, and finally have provided misleading and inaccurate information on the XXXX XXXX statement.
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| 05/01/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American, Servicemember |
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My comp any has a Small Business Acc ount with TD Bank and I believe their banking practices are deceptive. Pag e ( 1 ) On X/XX/17 a deposit of {$1500.00} was put in the " CASH '' column and ALL the funds were shown as " Available '' in the " BALANCE COLUMN ''. Page ( 2 ) On the morning of X/XX/17 I personally cashed check # XXXX for {$500.00} at the TD branch in XXXX XXXX , FL and the teller never indicated the funds were not available. On X/XX/17 I logged on to my TD account and noted the overdraft of {$140.00} ( date X/XX/17 ) and my check # XXXX for {$500.00} clearing on X/XX/17 with a balance of {$740.00} ( balance was {$1200.00} BEFORE TD took the {$140.00} overdraft ). I called TD 's XXXX number on X/XX/17 a nd initially spoke with the first person that picked up, then after an extensive conversation was switched to a manager. I do not recall their names. I told the Manager I believed they way TD reports funds is a fraud and why do they not list all deposits ( except cash ) as " Pending ''. She gave me the 'typical ' answer about only giving {$100.00} credit and that all checks need a day or more to clear. I already knew that ... but if it had been a cash deposit funds would be available immediately. There were no 'brackets ' around the overdrawn items ... {$140.0 0} ( {$35.00} per item. ) Page ( 3 ) O n X/XX/17 ( my printout of X/X/17 ) the TD Manger agree d to refund the {$140.00} charge. Note that on X/XX/17 there was another deposit of {$1700.00} put in the " CREDIT '' column, but again it 's really not a full credit because the deposit was a check. However their printout shows that ALL of the funds were available. I believe this is a very deceptive practice on the part of TD Bank to print the fact that the funds are available when they are not. Any funds deposited, with the exception of cash, should be indicated as " PENDING '' and not make their clients guess when deposits will actually clear. Now I am forced to add up all of my charges and make sure something has been added to the " Todays ' Beginning Balance '' page. Each time my Manager deposits a check I now need to call him to see if it 's cash or a check. I do not operate in our XXXX office and my Manager many times is on a job and unable to take calls. How difficult can it be to say " PENDING '' ... in my opinion ... very deceptive and of course more funds for TD.
|
| 05/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I hope this letter finds you well. I am writing to bring to your attention a matter of utmost importance regarding the reporting of late payments associated with my account. It has come to my attention that you have been reporting these late payments to the credit bureaus, which is in direct violation of the provisions outlined in the United States Code ( 15 USC 6802 ). I am writing to demand that you promptly update the status of my account to " paid as agreed '' with the credit bureaus within four ( 4 ) business days from the receipt of this letter. Failure to comply with this demand will result in legal action, and I will seek charges of {$1000.00} per violation.
Section 15 USC 6802 ( b ) explicitly prohibits the disclosure of non-public personal information without the explicit consent of the individual. By reporting the late payments to the credit bureaus, you have breached this legal requirement, as I have not authorized the disclosure of such information. I kindly request that you cease any further disclosure of my non-public personal information and comply with the provisions of 15 USC 6802 ( b ) moving forward.
Additionally, I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ), which strictly prohibits the disclosure of experiences or transactions to non-affiliated third parties, such as the credit bureaus, without the individual 's consent. Given that the late payments are part of the account 's transaction history, their reporting to the credit bureaus violates the FCRA. I expect you to rectify this situation by updating the account status as demanded above. Company policy doesn't not supersede federal law.
I urge you to take immediate action to correct this matter and ensure compliance with both 15 USC 6802 and the FCRA. Failure to do so will leave me no choice but to pursue legal remedies to protect my rights and seek damages for the violations incurred.
Please provide written confirmation of the actions taken to rectify this situation, including the date on which the account status was updated with the credit bureaus. You may send this confirmation via email or to the address provided above.
I appreciate your immediate attention to this matter. I trust that you will take the necessary steps to resolve this issue promptly and prevent any further violations of my rights under applicable laws.
Thank you for your prompt action in this regard.
Sincerely, XXXX XXXX [ Account Number : XXXX ]
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| 05/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This creditor is reporting inaccurate information on my consumer report. Ive asked for verification, and they failed to verify the account. Furthermore, the account is inaccurate because it is listed as an inaccurate status that does not correspond with the status that the account is in. I requested the form 1099c as per the IRS when the account is in charged off status or a form 1099c has been filed and ignored that request and it seems that a form 1099c was not filed therefor the account was not charged off. So, its been reported inaccurately and pursuant 15 U.S. Code 1681s2 this account must be deleted pursuant those laws.
In addition, they are in violation of 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title -nonaffiliated third party The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.
This means TD Bank a financial institution has disclosed nonpublic personal information to nonaffiliated third parties XXXX, XXXX and XXXX.
nonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.
|
| 08/03/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Credit decision / Underwriting
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|
Web |
Older American |
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In XX/XX/XXXX, we received a letter from TD Bank saying they no longer offer our existing HELOC. We 've had this loan about 9 years, originating with XXXX Bank. In speaking with a rep, XXXX, we decided to apply for theirs. We increased the LOC from $ XXXX to $ XXXX, which XXXX said would make the rate prime -.25 % and all fees to be waived. They also offered us {$500.00} upon settlement. We got a call to fax many documents, which we did on XXXX. Several weeks later we called the processor, XXXX, and was told she needed a doc that had been faxed, and we refaxed it that day, XXXX. She had the rate of XXXX on her paperwork, which is prime + .5 %. We called XXXX and she never returned our call. A week later we called and spoke with XXXX, XXXX 's boss. He contacted XXXX XXXX, XXXX 's boss, who also never called us. On XXXX, we called and finally spoke with XXXX. He assured us we had the quoted rate, and he needed another doc from our pension. He was going to call them and get back to us XXXX. He never called us with requested info, so we called the local branch manager, XXXX, who was going to get back to him. Still nothing a week later. We spoke with a XXXX or XXXX level manager and were assigned a new processor. XXXX. She needed many of the original docs again. In asking about the rate, she also quoted XXXX. The last we heard from her was XXXX when we requested the proper rate in writing and the president 's name and contact info. The next day she emailed us a number for a chairman. We called there on XXXX and still have received no call back. We 're not faxing any more paperwork without the quoted rate in writing and we told XXXX this. She was going to have her boss request the tape from XXXX when we had spoken with XXXX XXXX, to prove he agreed to the rate. We 're not sure what all is going on, but we 've been given the runaround. We 've lost sleep, many hours, and have been thoroughly aggravated by this whole thing. We have a HELOC with them, I 've lived in this house since XX/XX/XXXX, we have excellent credit, live on a small pension and soc sec. Perhaps this is elder and XXXX discrimination. It definitely has been harassment. We 've never had any paperwork nor met with anyone. This has all been done over the phone. This is the gist of it, but we will be glad to provide a chronological list of dates and people with whom we 've spoken. Our application number has been on file since XXXX. Thank you for your attention to this matter.
|
| 08/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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1.I have never had an account with this company TARGET/TD XXXX, REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are TD BANK USA/TARGET CREDIT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( XXXX ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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| 08/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
Servicemember |
|
I went into the TD Bank Branch on XXXX XXXX XXXX, XXXX, NY XXXX, on Sunday, XX/XX/2022. I went in with 3 checks and {$1500.00} cash, Two checks were for my daughter 's account that is connected to mine and the other check was a personal check from my boss. There were two tellers working that day ( Since i did not get there names i will describe them : One was XXXX XXXXXXXX Women and the other was a XXXX XXXX XXXX Male. My teller was the male. I handed him everything and told him my daughter 's checks needed to be deposited into her account or TD will place a hold on it. I instructed him to put my work check in my primary checking account as well as the {$1500.00}.
I Usually deposit my checks mobile deposit because I like to keep them for my records. I asked him for the checks back and he looked caught off guard and said " I can't give them back to you '' in a strange tone. I then said " OK well can you give me a copy i need them for my records '' He goes to make the copies and he takes such a long time. He keeps waling back and forth to different rooms. By that time my cab was outside so I just took the paper without looking at it. When i got home i noticed it didn't say my work check was pending. I thought it was strange but I just thought i had to wait since it was a Sunday. By the time my daughters checks came through a few days later. i realized something was wrong and i called the bank. I also checked the copy he gave me and it was only for the checks for my duaghters.
I spoke with a women named XXXX who i assumed was the manager and she told me she did not want to request for video footage of our encounter before she spoke to him when he came to work the next day ( Wednesday ). She says that she will call me back Thursday. Thursday comes, no call. She calls Friday and says she's looked all over and can't find the check and that the teller said he doesn't remember. I then ask her what is she going to do to investigate a teller stealing. She says " Would it be possible for me to just ask my job for a new check. '' At this point I am upset and I tell her i would like to go above her she tells me i can call the manager and gave me a phone number,. which nobody answered.
I have called TD Bank several times to mediate this and I was promised a regional manager would call me back. I have received no response.
Check Amounts : My daughter checks were for {$560.00} & {$23.00} plus some cents.
Missing Check : {$560.00}.
|
| 04/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX I sent USPS certified mail to TD Auto Financial, XXXX, XXXX and XXXX containing a letter of dispute, a copy of my XXXX and XX/XX/XXXX XXXX XXXX statements and a copy of my XX/XX/XXXX XXXX XXXX XXXX telephone bill.
Only XXXX responded to my letter of dispute.suppling further evidence of error by TD Auto Financial.
XXXX, XXXX and TD Auto Financial never responded to the dispute sent them.
On XX/XX/XXXX I called TD Auto financial authorizing and/or scheduling a {$350.00} payment to be taken on XX/XX/XXXX with my debit card. ( See XXXX XXXX XXXX phone bill ) TD Auto Financial and/or the subcontractor they use to process phone payments with debit cards claimed that they tried to process the payment but could not because of NSF in the account. I provided copies of my XX/XX/XXXX bank statement showing that I had over {$5000.00} in my account on XX/XX/XXXX and No NSF 's in the history of my bank account. Subsequently, claimed I was 30 days late due to their failure to process my payment properly. I tried to set up automatic payments with TD Auto Financial only to recieve 4 late charges because they did not process the payments properly. Whereby, I set up automatic payments through XXXX XXXX and not had a single problem with late payments.
I ask for an investigation into TD Auto Financial practices of failing to process payments timely resulting in late charges to customers unjustly.
I believe that TD Auto Financial is purposely and intentionally fail to process customers payments properly and/or timely, so to generate extra revenue for their company, by charging customers the extra late fees unethically. Thus, I request an investigation into this matter.
I have a copy of my telephone bill as proof that I called on XX/XX/XXXX to schedule payment.. I have my XX/XX/XXXX Bank Statement showing that I had over {$5000.00} in the account at the time they claim NSF in the account.
I sent a dispute request and copies of my evidence certified mail to TD Auto Financial and the national Credit Reporting agencies which were signed for by the foregoing companies on XXXX, XXXX XXXX.
The companies did not respond to the dispute letter and evidence sent to them.
Lastly, they continue to report that I was over thirty days late on a payment, in which the evidence shows they failed to process the scheduled payment timely, If you investigate my account with TD Auto Financial it will be easy to see the discrepencies in billing..
|
| 01/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
On XX/XX/2021, and prior, I checked several websites for XXXX XXXX puppies as my family and I were searching for a puppy to have for the holidays. Finally, I inquired about a XXXX XXXX puppy from a web site XXXX. After providing my contact information, answering questions about my family, neighborhood, and interest in the puppy a XXXX XXXX phone # XXXX from XXXX XXXX Texas emailed me back and provided details about the puppy along with pictures of the puppy and the puppies parents.
I let XXXX know I would like to proceed with purchasing the puppy. XXXX then requested I send XXXX dollars via XXXX to a XXXX XXXX at XXXX. The puppy was promised to arrive the following day XX/XX/2021.
The following morning ( XX/XX/2021 ) XXXX XXXX reached via email and let me know he was going to arrange shipment of the puppy and I would receive the dog at my home around 6 PM.
Later on this morning, I received an email from the supposed shipment company XXXX stating that the puppy required a crate for heat and safety if I wanted it shipped. The shipment company gave me a tracking number, three options of different crates, with different prices to rent 1,2, or 3 with a promise of refunding most of the money once the delivery and crate was returned. I picked the least expensive crate of a total of XXXX. A man named XXXX XXXX from XXXX XXXX requested I send the crate payment via XXXX to XXXX.
Soon after, I was emailed that the crate 3 was not available and if I wanted the puppy shipped, I would have to pay an additional XXXX for the higher priced crate rental.
At this point I realized I was being scammed. On this date XX/XX/2021, I called TD bank 3 times requesting and begging that they stop both payments to XXXX XXXX for XXXX and XXXX for XXXX. XX/XX/2021, was a Sunday and my online account showed both payments were pending. I requested TD not allow both payments to process. Each time I called, every customer service person I spoke with over the phone at TD bank said the same thing that once a payment is sent through XXXX, there is no way they can stop the payment. I was devastated. I went into a TD bank branch a few days later to speak with a bank teller and they advised me to dispute the transaction and file a police report.
I waited until I received a letter from TD bank stating that my dispute for the amount of XXXX was denied due to an error not occurring. I then filed a police report on XX/XX/2021 at the XXXX Police Department.
|
| 03/13/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
On XX/XX/2016 TD Bank opened XXXX accounts under my name. I did not open these accounts. TD Bank does not seem to have a system in place to prevent this kind of fraud and to make matters worse, I found TD Bank Fraud Department to be uninterested in this situation. I have made numerous calls to TD Bank with no success in resolving this matter. I have also sent via Fed a Letter to TD Banks CEO, XXXX XXXX is to express my frustration for the lack of action, seemingly lack of interest and low level of cooperation from TD Bank to assist me as a victim of Identity Fraud. XXXX XXXX did not respond to my letter.
XXXX : On Saturday, XXXX, I was checking my bank accounts that I had with XXXX and found that I had multiple withdrawals from XX/XX/XXXX through XX/XX/XXXX. Most of the withdrawals were transfers to a TD Bank Account and I do not have a TD Bank Account. I immediately called XXXX and reported the fraud on my accounts and filed a police report and placed an alert with the credit bureaus. XXXX immediately handled the fraud activity on my XXXX accounts, swiftly and professionally.
On the same day ( XX/XX/XXXX ) I called TD Bank 's Fraud Department and reported the fraud. I was told to call back on Monday ( XX/XX/XXXX ) and speak to the XXXX XXXX XXXX. I did as instructed and spoke to XXXX XXXX XXXX XXXX ) ... XXXX XXXX took XXXX information and then informed me XXXX accounts were opened on line under my name and both accounts had balances that were sent from my XXXX Account to the fraudulent TD Bank account. XXXX XXXX said she would call me back with more information. When I did not hear back, I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX and left messages ( still no return call ). I then called and spoke to another Fraud Department Representative, XXXX XXXX ( XXXX ) who indicated he would look in to the issue but again no call back. I have since called several times to XXXX and spoke to different representatives and again no calls back. During this timeline I have received checks, debit cards and statements for these fraudulent accounts ( the checks and debit cards were destroyed ).
I am still getting statements from TD Bank and as I stated above, my calls to TD Bank have been ignored.
This has been a traumatic situation for me personally and I am very concerned that there are still XXXX accounts at TD Bank in my name that I did not open ( as I stated earlier I am still getting statements )
|
| 08/24/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
This is about XXXX 's XXXX XXXX ' fraud case. I am not sure if this is the right place to report ...
On XX/XX/19, I lost XXXX dollars from my checking account as a person name XXXX transferred the money out from my bank using XXXX 's XXXX XXXX ' feature of online banking. Up until this event, I did not know the existence of the feature and have never used it. We never enrolled for such service and never got verification prior to the transaction. Only my family member which consist of my husband, and my son and daughter know the login ID and password for online banking as they are listed under my account. We reported this to police and they gave us a report but according to the fraud department from TD, because the hacker was using the same IP address they can not refund my money back. I am not satisfied with this answer. My husband, my daughter, my son, I have been a good customer with TD bank for over 10 years and this never happened. We changed our debit card number and account number the very next day after we locked the account. We are reporting that this transaction was not made from us and the fraud department is saying that they can not do anything at this point. I conducted some research and it seems like this XXXX fraud case is getting popular across the country. According to XXXX, approximately 70 percent of fraud victims were able to get the reimbursement within a week, and the other 30 percent had to contact XXXX to report this case and file a claim via the Consumer Financial Bureau to get their money back. XXXX also tells us that " it requires financial institutions to verify that the customer has control of the email address or mobile phone number, most commonly through verification codes. '' We didn't receive any verification code whatsoever and we didn't even enroll to XXXX. I visited TD bank branch on XX/XX/19 to talk with regional/store manager and gave them all the information but they gave me final decision today ( XX/XX/19 ) that they are not going to refund me because the hacker was using the same IP address which does not make any sense to me at all. This is entirely their security issue, not the customer 's responsibility. It is unfair that they are not willing to reimburse what they lost. All I did was having an account with them and trust them with my money.
Attached are the articles from XXXX regarding this case, bank statement for the unauthorized transaction and redacted police report.
|
| 07/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I will list out all issues below to detail the extent of the fraud TD Auto Finance has committed.
XX/XX/XXXX- Purchase used XXXX XXXX. Approximately XXXX XXXX loan began.
XX/XX/XXXX- I am married and my last name changes. TD Auto Finance is notified with required documents and fails to change my name on the title for the next 4 years. We are not made aware of this until XXXX.
XX/XX/XXXX - I move from XXXX XXXX XXXX The car title is switched. TD Auto Finance is sent the first notice that the original XXXX XXXX title must be sent to the state of XXXX They ignore it.
XX/XX/XXXX - I receive notice from the state of XXXX they still haven't received the title. I reach out to TD Auto Finance and send them the relevant request for the title a second time. They ignore it and send a photocopy.
XXXX XXXX XXXX. - I call or email them about every other month to be handed lie after lie that it is being processed. Nothing happens.
XX/XX/XXXX- I can not renew the registration of the car because XXXX has not received the title. I call to inform them I will be forced to drive the car illegally due to them and will be withholding payments. Note : the loan never enters default because I had paid some in advance.
XX/XX/XXXX- We are informed for the first time nothing happened because the name was not changed on the title. We send relevant documents again and are told it will be taken care of. It is not. We also send the documents to send the title to XXXX AGAIN. This is estimated at the XXXX or XXXX time by this point.
XX/XX/XXXX- We are fed up with the lies. I pay the balance due in full of approximately XXXX XXXX. The loan is paid off. We receive a payoff letter in XX/XX/XXXX.
XX/XX/XXXX- We get a letter from the state of XXXX a title was received with an incorrect last name. We send relevant documents to change the name.
XX/XX/XXXX- We send an email to TD Auto Finance demanding the title be sent to us or we be notified of it's location. The only response we get is " a different department will help ''. They never do.
At this point the car has not been registered legally for 6 months due to the actions of TD Auto Finance. We can not do that until we have the title. The loan has been paid in full for nearly 3 months and I do not have a title in hand. I am at a loss of where to turn other that to hire an attorney. I am hoping the CFPB can help crack down on the predatory lies of TD Auto Finance first. Thank you.
|
| 06/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I use online bill payment with XXXX XXXX XXXX ( XXXX ) to pay my credit card bill to TDBank ( XXXX XXXX XXXX ). I made my XXXX 2017 payment via XXXX 's online bill pay. TDBank cashed the check, but applied the payment to the wrong account. TDBank then began assessing late fees. I called TDBank 's customer service and collections department multiple times in XXXX and XXXX to dispute the late fees. These calls were recorded so I am on record as disputing the fees. Despite my paying the bill on time and disputing the late fees, TDBank falsely reported me as delinquent to the credit bureau. XXXX sent the cancelled check directly to TDBank to prove the payment was made on-time. TDBank still argued that they did n't receive the check - despite having endorsed and cashed it. On XXXX XXXX , 2017 , myself and my XXXX representative called TDBank 's collection department together. In a one-hour recorded conversation, TDBank finally researched this issue and admitted the funds were received on-time but applied to the wrong account. XXXX at TDBank agreed to correct the error by properly applying my payment to my account, reversing the late fees and correctly reporting to the credit bureau. Both XXXX and TDBank recorded this call. Instead of correcting the error, TDBank again reported the disputed late fees to the credit bureau. I called TDBank again today, XXXX XXXX . In another recorded call, the representative again admitted that it was TDBank 's error. She claimed I was reported to credit bureau because the department responsible for fixing the mistake had n't fixed it yet and that she could n't fix it herself. She would not let me speak with the department responsible for fixing the mistake or provide any time frame for when it would be fixed. I asked for a manager on XXXX XXXX and XXXX XXXX . I was told no managers were available and that I was " in que '' and would receive a call back in 48-72 h ours. I never received a call back. TDBank 's customer service department will not help me because they claim my account is in collections and only the collections department can correct the error. I can not escalate this issue to TDBank 's Ombudsman because the bank 's dispute resolution process requires a written response from a manager denying my requested relief. The manager manager will not even return my calls, much less respond it writing so I 'm stuck.
|
| 07/10/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I was contacted by a Social Security agent that was going to help me recover my stolen social # ( XXXX XXXX ). The man, XXXX XXXX sent me his badge & had my local police contact me that there was an investigation. I received this information on my phone while I was driving to a wedding. To freeze my accounts during this trial, I had to transfer some money to a federal account.
I went to a TD bank in XXXX RI to do a domestic wire transfer of XXXX.
The money was sent to an account in California. XXXX XXXX XXXXXXXX The money transfer seemed to go out around XXXX on XX/XX/XXXX.
The next morning I called the XXXX Police to confirm our conversation from XX/XX/XXXX. They said, I did not talk to them. Then, I knew I had been scammed. I called the XXXX TD bank and XXXX filled out a claim form to let XXXX XXXX XXXXXXXX know the funds received was a fraud transfer. I talked to the Fraud department at TD bank & XXXX XXXX XXXXXXXX. On XX/XX/XXXX. I called the Wire transfer departments for both banks for the next 2 weeks. TD bank would not give me the claim #, would not tell me what happened to my money. All I was told was it was being investigated. They would not give me or allow me to talk to the investigator. Later I contacted the manager of my local TD bank & all he could tell me was TD recalled the money & told XXXX XXXX XXXXXXXX to send it back.
XXXX XXXX XXXXXXXX for 2 weeks would not disclose any information to me because I didnt have an account there. The account in question XXXX XXXX XXXX was not my account. Yet, I have XXXX credit cards with XXXX XXXX XXXX and had a car loan with them that I paid back.
So I went to my local XXXX XXXX XXXXXXXX branch and talked to the VP. XX/XX/XXXX He arranged a call to the wire transfer depart of B A. We called & they would only disclose that they reached out to the account & no one called. The VP of the bank said to assume the money went into XXXX XXXX account.
I have filed police reports, with XXXX & XXXX police.
After one month, TD bank is through with their investigation. No information has been passed to me. XXXX XXXX the Asst. Manager of the XXXX bank did give me the claim #. I should be able to know exactly where my money went & be told this info. I know there are date time and stamps put on wire transfers.
XXXX XXXX XXXX should have given specific info to the VP of the bank.
Also, next steps should have been given to me by both fraud departments.
|
| 01/10/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
Hello, This is regards to a credit account I have with TD Bank using their Myonlineaccount.net website access. This platform is antiquated, limited, hard to use, and very difficult to properly set up automatic payments. It was difficult to set up an initial user name and password on their site to even begin making a payment, but I was able to set this up and make payment with a significant amount of difficulty. I believe that they purposely make this difficult to access online services to make payments on time and force members to incur late fees.
On XX/XX/2019 I was waiting for my new card payment to clear after trying to set up recurring payments the prior month. The due date for the payment was the XXXX and unfortunately, the payment did not initiate. I immediately made payment on the XX/XX/2019. The payment cleared on the XXXX. However, I was assessed a {$27.00} late fee.
Again, I tried to set up recurring payments so that I would not get any more late fees. I have good credit history of making my payments on time. Unfortunately, the XX/XX/2019 payment did not initiate and TD Bank assessed another fee in the amount of {$38.00}.
I called to speak with them and they would only refund the {$38.00} fee. I asked that they refund both fees because I tried multiple times to set up the recurring payments. They make this system difficult to use on purpose which I believe caused this issue. I have many other accounts and have autopay set up on those with other banking institutions without any issue. The user interface for their page is not friendly and can be confusing.
I spoke with an agent on the phone and eventually asked for a supervisor. The agents response was that she could request a supervisor but could not guarantee how long I would be on hold until they would take the call. I felt I have being put off and pressured into getting off the phone. I said I would wait and a few minutes later the supervisor answered. She said that I had paid late and they could only waive 1 fee as a courtesy in a 12 month period. I stated that the {$27.00} fee in XXXX should not have ever posted to my account because I tried to set up recurring payments and that when the payment did not initiate that I paid the immediate following day. She stated that I paid late and that the fee could not be reversed. She could only refund the one fee. I do not recommend TD Bank or their user interface through the Myonlineaccount.net page.
|
| 08/31/2015 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
Older American |
|
After receiving my TD credit card statement, I saw a charge I did not recognize. It was a {$200.00} charge from XXXX.
I called Customer Service at TD to find out what the charge was for. They told me they could not tell me as, although their records did show the charge, the record did not show the reason for the charge. TD told me to contact XXXX directly. I tried to call, but there was no number on their website I could find that was responsive to the problem.
I called XXXX back and informed then of the above and said to put amount under " dispute '' until I was told the reason for the charge.
On XXXX/XXXX/15 TD sent a letter ( attached ). XXXX responded by saying the {$470.00} charge was for XXXX. It is plain this was a non answer and I wrote to TD on XXXX/XXXX/15 ( attached ) so stating. Please note XXXX things ; first, I put " XXXX '' rather than XXXX because my company is involved in credit and it is so close, I put down the wrong name. The second is my PS. Asking for a missing statement. Nothing was received. There is a handwritten note at the bottom of the letter that, on XXXX/XXXX/15 reflecting I called XXXX at TD Customer Service to, again, get the missing statement and was told it would be sent. Not!
I received a letter 0n XXXX/XXXX/15 ( attached ) from TD stating the merchant had issued a rebuttal and they were accepting it and putting that charge back to my account. You can see it is the identical " rebuttal '' sent in TD 's XXXX/XXXX/15 letter.
On XXXX/XXXX/15 I received the enclosed XXXX/XXXX/15 letter. Interesting! I responded XXXX/XXXX/15 ( attached ) to see what TD 's response would be. There was no response.
However, I did get TD 's last missive dated XXXX/XXXX/15 ( attached ) thanking me for enrolling my account and confirming the fact the first deduction will be on XXXX/XXXX/15. I called Customer Service and asked for copies off documentation showing I made such a request. They said they had none and would confirm that fact to me ( see XXXX/XXXX/14 letter attached ) Of course, there was no response to the letter or the promised confirmation. I am awaiting their next statement to discover their next move. I have paid all past charges on my TD statements other than the XXXX charge,. I will, in my next statement do the same.
I do not consider the matter closed as my problem has not been addressed as shown by the above and attachments. Something foul going on with them on this matter.
|
| 08/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
1.I have never had an account with this company XXXX XXXX XXXX REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
|
| 01/11/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
TD Bank has grossly been mishandling my dispute against a merchant ( XXXX ), who deleted my account for no good reason and would not allow me to return the only merchandise I ever purchased from them under said account. TD Bank requested more information, and I provided it to them. It was plain and simple.. just what I said They closed my account and would not allow me to return merchandise. A XXXX year old could figure it out the first time. Nonetheless, I cooperated and did what they asked.
This time around, I showed TD Bank the email where the merchant closed my account. And the date of that email proves I was still within the 30 days to return the merchandise, which is standard policy for items shipped from the merchant, even if theyre sold from a third party. TD Bank states their reason for not settling the dispute in my favor thus far, is because the merchant provided documentation of me making the transaction, which is utterly and completely irrelevant as to why I disputed the charges. TD Bank further states that the merchant provided documentation showing that I continued to use their services. I would love to see this so-called documentation, being they closed my account. How was I able to continue using their services if they closed my account?!?!? Does that make even the least bit of sense?!?!? Their email where they closed my account even states, When we close your account, you can not open a new account or use another account to place orders on our site.
TD Bank states they are only giving me a partial credit {$50.00} of the {$150.00} I disputed, and that I need to resolve my issue with the merchant directly Absolutely disgraceful. XXXX poor excuse for The Bank Where People Make the Difference. '' What a joke. They cant even do their jobs correctly, let alone make a difference.
I have been with TD Bank for 20 years, and this is the first dispute Ive ever filed against a merchant aside from XXXX, not counting a couple credit card companies I recently disputed against for ach payments I had revoked authorization from but they charged my checking account anyway. So for TD Bank to manage my dispute so disgracefully, I am beyond disgusted that they would treat such a long time, supposedly valued customer this way. Therefore, if TD Bank does not make this right and provide to me the full {$150.00} whether it comes out of the merchants pocket or theirs, I will be closing my account with TD.
|
| 09/07/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I received a credit card bill for my Target REDcard ( issued by TD bank ) for the statement ending on XX/XX/XXXX.
In my online account, I added the routing and account numbers for a funding source and proceeded to pay the bill. The payment was made in full on XX/XX/XXXX.
Four days after the bill had been paid, my online activity was telling me the payment had been returned. The next statement had ended on XX/XX/XXXX resulting in an interest charge and a returned payment fee. I called customer service to find out the cause of the returned payment. The customer service representative informed me the bank account transfer came back with the status of being the wrong account number. The customer service representative was helpful in providing the account number I had submitted prior and I compared it to the number it intended to be. The result of that conversation was that the last digit of the correct account number should have been a '5 ', but instead, it was a '4 ' that was submitted. It was clearly the work of a data entry error.
I asked the customer service representative to please undo the returned payment fee and the interest. She successfully reversed the interest charge but would not budge on the returned payment fee. I told her, what happened was an honest data entry error with the complete intention of paying the bill in full and it doesn't merit the {$27.00} returned payment fee. I was told it is company policy to not reverse returned payment fees. For the purpose of ending the call hoping to get a more helpful representative in the future, I thanked her for the interest reversal.
On XX/XX/XXXX, I made the payment in full.
Days later, I called customer service. I explained the situation that I accidentally typed the account number wrong with the incorrect last digit by mistake and asked if the returned payment fee can be reversed. Again, I was met with being told it isn't the bank 's policy to undo it.
On XX/XX/XXXX, I paid the {$27.00} bill resulting from the fee.
Over the course of the proceeding spring, I called approximately once a month to see if a helpful customer service representative would hear my request. Each time, I was told it wasn't going to happen.
Attached are three documents : XXXX shows the original bill.
XXXX shows my payments, returned payment fee, and interest charge.
XXXX shows the reversal of the interest charge and that I paid the returned payment fee.
|
| 12/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
TD Bank failed to provide timely and accurate information regarding the mortgage process. Further, TD Bank stopped responding to e-mails or requests for information once we expressed concern about the misinformation that was provided and their latency. XXXX examples include : ( 1 ) When we completed our mortgage application, the loan processor referred to the new law but assured us that TD Bank could complete the mortgage process in 45 days. Additionally, the TD Bank website states that " generally, your mortgage will be ready to close in 30-45 days. '' Although our closing date was scheduled for over 45 days from the start of the process ( and we provided all requested information in less than 24 hours of the request ), TD Bank did not complete the mortgage process by the closing date and did not inform us of their processes with regard to the new three-business day rule for us to have the Closing Disclosure forms. In fact, TD Bank did not inform us that we would not be able to close until 1 business day prior to closing. This poor communication resulted in financial loss to us because we had already transferred utilities ( costs not yet known ) and paid for city parking for the moving truck ( {$60.00} cost ).
( 2 ) TD Bank failed to inform us of the option to receive mortgage disclosures electronically. We learned of the option when it was time for us to receive our Closing Disclosure ; however, TD Bank would not allow us this option because we had not opted for this option at the start of the process. TD Bank acknowledged that they did not inform us of this option at the start of the process, but said the law did not allow us to opt in late in the process. TD Bank refused other options that appear to be allowed by the law ( e.g., e-mail or fax ) and insisted we wait for regular U.S. postal mail. The failure to inform us of the electronic option or allow for other avenues resulted in financial loss because it further delayed the rescheduling of the closing date.
TD Bank appears to need more guidance on how to implement and communicate about the new law to customers. Different associates provided us different information ; we remain uncertain which interpretation is correct or what it will mean for us. We will be submitting more information to TD Bank directly on our experience, but thought it prudent for future customers if we shared our experience regarding TD Bank 's handling of this new law.
|
| 02/03/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
On XXXX I received a text asking me if I had made a purchase at XXXX in the amount of {$360.00}. The text looked official like it was from my bank which is XXXX. We have received texts like this before where someone was fraudulently trying use our debit card and we're then sent a new card. So I responded no. I then immediately received a call from XXXXXXXX XXXX from their legitimate number. I latter found out that scammers can make it look like they are calling from a legitimate number. The scammers told me someone had hacked into my account and I needed to change all usernames and passwords. They also said they were trying to do a wire transfer and they would walk me through how to counteract this by having me do a wire transfer. I had them on speaker phone as I was on the website about to wire the money when I told them I'm not comfortable with this. I asked to speak to his manager and without missing a beat another smooth talker was on the phone assuring me they were from XXXX. I sent the {$7800.00} wire transfer. Within an hour I started to realize my worst nightmare was possibly unfolding and called XXXX. They said it was not them and that I had likely been scammed. I asked them to stop the transfer and all they did was have me type in a secure message that said I wanted to do a wire transfer recall. I couldn't even talk to a person. The next day they responded with a message to see if I still wanted to go through with the recall. Of course I did but now by the time they even initiated it the next day we were 48 hours in. Over a week later they responded back to me again by secure message that the receiving bank which was TD Bank had not gotten back to them after repeated attempts. I even have the name on the account where the wire was sent. XXXX then started giving me the run around. Telling me to contact TD bank and giving me other websites that didn't exist and phone numbers to call that were not in service. I then tried contacting TD bank but couldn't make any progress. They told me XXXX needed to contact them? The name on the receiving account of the wire transfer was XXXX XXXX. Of course I don't know if that's a real name but it's the name on the account where my {$7800.00} went. I can't believe TD bank will not even respond. My complaint is against TD bank and XXXX for failing to act in a timely manner or act at all to investigate this fraud. Thanks for any help you may be able to give.
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| 04/23/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2019 my accounts were frozen and the debit card was closed for my business accounts ( this was how I learned of the hold, no other contact attempts were made ).
Immediately following I was told over the phone to go into a branch so they could call and release the hold on both this and my personal account.
I did so, and was told the hold could not be released. The representative asked me for an invoice for the most recent transactions to the account. This was provided immediately. I was the given a timeline by the branch representative of 1-2 days for release.
On Friday, the XXXX, I was asked to send in copies of my ID. Again, I did so immediately. This time the branch rep told me to keep calling in to check if the account was unfrozen, which I did to no avail.
Throughout this time I continually asked the investigator assigned to the account to provide reason for the freeze and a timeline of expected release. This was not provided and I was refused a direct answer continually.
The following week, I visited a branch every day as the investigator XXXX XXXX was refusing to answer my attorneys phone calls.
Many different branch reps had no idea what was going on with regards to this hold.
During this period, my attorney and I continually asked for a timeline and reason for hold. Finally, on Thursday the XXXX, we were finally told that the reason was two wire transfers that had cleared 2 weeks previously for XXXX and XXXX. These were both partial payments on the invoice already provided ( which was between a company I owned and my own consulting company ).
Following this, we gave Ms.XXXX all documents relating to the source of those funds from the promissory note for the loan for the payee company to the internal wire transfer confirmations for the sending of the funds to my business account at TD Bank.
We then continued to ask for a timeline as all documents they had requested had been provided over a week back. Alternatively we offered her to liquidate the account immediately, she did not respond to this direct request, which is a violation of FDIC regulations.
No timeline has ever been given and Ms. XXXX XXXX has refused every phone call from myself and my attorney.
She is the cause of my employees not being paid and us not being able to attend a conference. No reasonable reason has been given for the extended hold and TD Bank refuses to do anything else in the meantime.
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| 10/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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hi good afternoon, I am VERY CONFUSED with what is going on with a letter i received stating that I owe money to TD Bank as of XX/XX/XXXX. Then having all my funds removed from my account this morning. I had my card switched out several times due to fraudulent activity and therefore was forced to change my pin, XXXX card, and had my savings account also closed off by the bank. I recently re started up a new saving account with less than XXXX in it. In late XX/XX/XXXX I was sent several fraud checks from an unknown source all in sum of XXXX XXXXXXXX. I ignored the checks as I can see they were fake and not sure how my name was put on them with my specific bank, however I DID report it to the bank source it came from XXXX XXXX XXXX. As well as my bank and kept the copies. Later on during the months per usual i would check my account here and there to check my balance, and noticed that i had a amount in the total of XXXX posted to my account and then taken out. I was very concerned and confused, so i contacted Td and made them aware of the incident. They said they would look into it, and give me a call back. So i let them to do their job a XXXX months later i noticed the account closed off so me not knowing anything i assumed they closed it off being that it was a solved closed case with no need for me to call them again as they said theyd call me back. No one ever called and told me ANYTHING about a debt collection for this account or about it being in a negative till my account with little than barely anything in it was cleared today leaving my remaining balance at XXXX in both XXXX XXXX XXXX I would like to re-dispute these charges once again as fraudulent activity as i am being told when speaking to a representative that it was never reported as fraudulent which i find crazy, if i did speak to a td representative about it prior to it happening. It was not i whom deposited and removed the money if it were id fully understand that it is my responsibility to pay it back, however it was not my doing, so i dont know why i am responsible to pay it back when i thought it was a closed case i notified the bank about. Also fighting to get my little bit of money i barely have in living cost refunded to me. I have attached the proofs in this email. Please let me know if their is anything else you need me to provide as i can not afford this money deduction that i already dont have in my account taken out.
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| 03/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/22 I paid {$130.00} for 4 international seats to fly on XXXX XXXX. I picked 2 regular seats and 2 exit row seats. I had the worst experience flying from XXXX to XXXX on XX/XX/XXXX. For starters my seat would not recline back. And in addition the passenger in front of me had no mask on and without consideration reclined back his seat for the whole 8 hour trip. I alerted the flight attendant and she confirmed and acknowledged that my seat was broken and offered to do nothing to correct my comfort. Since my layover was 4 hours in XXXX. I went to customer service and asked if I can upgrade my flight to Business Class due to the issues of my seat being broken. They initially quoted me {$200.00}. And under the assumption of the quoted price of {$200.00}. I agreed to pay {$200.00} for a 2 hour Business Class seat and prayed that my seat would recline back for my comfort. But once I got to XXXX I noticed that my credit card was charged {$1100.00} on XX/XX/XXXX. I immediately reported fraudulent activity to TD Bank. I also filed a complaint on XXXX XXXX site as well. Neither parties had did nothing to assist this wrongful issue. I reached out to TD bank. Who in turn left me on hold for over an hour twice then proceeded to disconnect out of no where without getting any resolve. I filed a dispute and they finally said that XXXX XXXX was in the right for charging me {$1100.00} for Business Class. After I explained to them that they had the receipt in written in XXXX and the only language that I know is English. Checking in on XX/XX/XXXX and verifying my two Exit row seats. I noticed they deleted my seats I paid for in the system. I spoke to them at the airport and they were very very nasty and unapologetic about what had happened and did nothing. So Im supposed to let them charge me for seats I didnt pick and let them get away with it? I called TD banks numerous times to reopen both disputes and both times they said a manager would call me back. This is day 6 and no one has responded back to me. TD Bank is the most unorganized and unprofessional credit card company I ever had to deal with.
The whole process from me booking my flight with TD Bank with my reward points and for them not to be able to upgrade me to business class like I asked in XXXX has been a disaster. They kept giving me the run around telling me to call XXXX XXXX and XXXX XXXX telling me to upgrade with TD Bank Rewards Dept.
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| 06/04/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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Web |
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I use TD Bank on XXXX XXXX, XXXX XXXX NJ XXXX. On XX/XX/XXXX I received a letter and copy of a check for my rent dated XX/XX/XXXX8 from my Land Lord. The check was stamped 'Account unlocated and so the courtesy check from TD BAnk was not honored.. I took both letters into TD Bank XX/XX/XXXX I was informed that the even though the money was in the account the check was not honored because the bank manager preferred for me to buy their checks and that I used 25 courtesy checks a month. This not true. I get 3.They didn't accept the letters. I asked for the manager and told she was unavailable. XXXX XXXX. I contacted TD BAnk 's corporate office with this complaint and was told that the check should have been honored and I can't be forced to buy their checks. My landlord was charged for a return check and I was late on my XX/XX/XXXX rent. I returned to TD Bank the on XX/XX/XXXX and spoke with a representative there and was told the manager stopped payment on the courtesy check, even though the funds were available and that the manager makes the rules and she preferred I purchased their checks. She could do anything. I then attempted to take money off my Debit card and suddenly my pin number was no good twice. I again reported this to TD BAnk, Corporate. I was forced to use and pay ATM fees to cover my bills. The rent money was withdrawn and turned into money order. There were 2 tellers both doing nothing and I waited and waited. On XX/XX/XXXX, I went to make a withdrawal and deposit and asked for 3 courtesy checks. The teller ( who refused to give me her name ) She immediately went into saying I can only get 3 courtesy checks. I told her I can't manage a checkbook and end up with fees for bounced checks. She informed me that the fees would be the same for courtesy checks. She's harrassing me to purchase their checks. For over a year I get and sign for 3 courtesy checks and I always have to sign for them. Today I was handed the checks without a signature needed. This made more more uneasy. I asked why I didn't have to sign and was told I just didn't. This was also reported to TD Bank Corporate office today and they agreed that all courtesy checks should have been honored and they would look into it. Now when I go to the bank, no one wants to serve me or they give me a speech about buying their checks. This unfair treatment and refusing to pay checks and forcing me to purchase theirs is not right.
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| 12/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
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Web |
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In XX/XX/XXXX I opened an account at a TD Bank branch in Washington DC. I have had an account at the XXXX part of TD for decades because I used to work there and I imagined that having an account at the US bit would make it easier and cheaper for me to move funds from the XXXX account to the US.
All was well until about four years ago, when TD neglected to send me a replacement ATM card. I called several times but, despite wasting a lot of time, was for reasons I remain unclear on, unable to persuade them to send me one. After a couple of years of that, I decided to simply close the account. That, as it turns out, is not easy either. Indeed, so far it has proved impossible. Again there have been multiple phone calls, followed by the notarized letter that their website promises will suffice to close an account. That letter was sent in XX/XX/XXXX. I then followed up multiple times using the secure email facility on their website. At first I just got form emails back saying that they were too busy with COVID. So I gave up again and got busy with other things.
Today I received a snail mail letter informing me that my account has been designated inactive and is in danger of being turned over to the government as unclaimed. It has been active in the financial sense because TD Bank refuses to let me use it by sending me an ATM card or, as I found out today, by letting me remove funds electronically to my local bank account or to XXXX. It has certainly not been inactive in the broader sense that I have been in contact every few months, first in my attempts to attain an ATM card and then in my attempts to close my account.
So the snail mail I received today asked me to show up in person at a branch or to undertake a transaction. The former is difficult because I live far from the nearest TD Branch and am not travelling to DC for business as I normally do due to the pandemic. The latter is impossible because they will not send me an ATM card nor let me withdraw money electronically. I would be a fool to deposit money in an account from which I am unable to withdraw funds. I have not attempted to write a paper check and deposit it in my local bank because I worry they will not honor it and I will end up paying bounced check fees. I did not call again today because I have learned through painful experience that all it does is put me in a bad mood, which is unpleasant for my family.
Please help!
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| 12/05/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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Starting XX/XX/2022 I began written correspondence via e-mail, later phone calls, with the store manager of my local TD Bank branch that later included regional and operations managers about a number of matters including : acceptance of assignment as successor agent under DPOA ; access to copies of the banks records, transactions, history of correspondence and telephone notes, and profiles for my accounts and those for which I have responsibility as agent under DPOA for my elderly mother and necessary for the estate administration of deceased relatives.
The bank has repeatedly refused to supply written documentation of these items and supplies no ability to report activity related to fraud or possible identity misuse except verbally over the phone.
The bank supplies no written confirmation of discussions, actions to be taken, or those taken. Information supplied verbally over the phone is often incomplete, incorrect, or contradictory to previous statements and information on the Banks own website. For example, yesterday, the Banks customer service department reported a invalid phone number associated with one of the accounts, but the fraud department ( to whom I was transferred on the same call ) reported no record of that phone number.
The reason for yesterday call is that transactions shown on the on-line portal have lines that end with the XXXX language symbol for XXXX XXXX. The TD Bank fraud department acknowledged this as a comprise of the accounts, and initiated a lock down of the accounts and profiles, but stated that their processes do not provide for supply of written confirmation of actions taken, time lines, or instructions for me to follow at my end to reestablish new accounts, profiles, user names, passwords or keypad PINs, or to confirm the accuracy of the report in the Banks records. They admitted that they, and the local branch, were on different systems and could not always see the same information about my accounts and profiles.
The complete e-mail chain is available but contains personally identifiable information so I am not supplying it at this time.
Contacts at TD Bank NA, XXXX, NH involved in these communications include : XXXX XXXX, XXXX, VP Store Manager, XXXX NH XXXX XXXX, XXXX, Regional Retail Office Manager XXXX XXXX, XXXX, VP and Regional Operations Manager TD Bank Fraud Department : XXXX XXXX XXXX TD Bank Customer Service Department : XXXX XXXX XXXX
|
| 10/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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|
Web |
Servicemember |
|
On XX/XX/2020, I was shopping in XXXX XXXX. While I was shopping and looking at different products, I lost my wallet and car keys. I was in the store for over 3 hours looking at different products and designs. When I was about to leave, I noticed my keys and wallet were missing and I went to the front desk to see if anyone turned it in. Thankfully someone did turn in everything and I thought everything was good. A few days later, I noticed a charge on my debit card for {$840.00} that I didn't make. I can only assume someone made the purchase with my debit card while it was missing during that time frame. I disputed the charge with my bank ( TD Bank ) a few days after I noticed it, which was less than 10 days after the charge.
Once they completed their so-called investigation, I was informed that an error did not occur and the dispute was invalid. The representative on the phone, told me that I can not speak to the dispute department and was only able to read me notes from the dispute department. The notes stated there was no other disputed charges after that the {$840.00} dispute and that I used the same card after that day for purchases that I made. I informed the rep on the phone that yes, I did use the card after because my wallet was returned to me with my card inside and I didn't know at the time, that someone has used my card while it was lost. The representative understood and then submitted a second dispute. The second dispute came back and stated the exact same findings as the first dispute. I told the representative on the phone, they need to do a better investigation other than just saying, that I used the card after the disputed charge and therefore the dispute is invalid. I informed the representative they need to contact XXXX XXXX for further investigation, and she told me the bank does not do that and I would need to do a police report for that and fax it in. The representative then filed a third dispute and would attach the police report to that dispute I filed the police report on XX/XX/2020 and fax the report to the bank as instructed to do. On XX/XX/2020, I noticed the bank had took away the temporary credit for the dispute once again. I called the bank the same day and spoke to a Supervisor, who told me there is nothing they can do about it and I need to maybe contact XXXX XXXX to see if they have video footage. I have been dealing with this for over four months now.
|
| 04/23/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
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|
Web |
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In XX/XX/XXXX, my credit score was XXXX when I was looking at auto finance options.
In XXXX, I started a refinance on my home. I saw on credit report Target {$28.00} missed payment. I immediately called Target and paid the balance in full {$130.00} having had no idea there was an overdue balance. I requested Target investigate the charges and their notifications processes. I have made two more requests for Target to investigate. I did not receive any emails ( or USPS mail ) from Target about a balance/payment, due/past due, statement ready or payment received. I did not receive any emails from Target for the charges on my card, the shipping of items, or the balance overdue on my card. I pay all of my credit cards online and receive emails for all of these notifications. Target refuses to remove this from my credit reports. Also, since I paid Target {$130.00} on XX/XX/XXXX, I have not received a confirmation of payment or a statement ready email. I do have a confirmation # for proof of payment. Target does not confirm communications are sent/received to/by their customers. When there is an issue with emails being sent/received they do not investigate to resolve the issues. I found 3 other people that have the same problem with Target. They, like me, had no idea items were charged to their credit card. They had not idea there was a balance was over due because they did not receive notifications in email or via USPS mail. Target has not investigated or resolved their issues. This has and will continue to substantially hurt my credit score. I have contacted Target over XXXX times to remove reporting from my credit. I also paid XXXX to Target so it would not continue to be reported. And they refuse to investigate why communications were not sent to me. Why didn't I receive the emails ( we confirmed the email address which has not changed ) and why didn't I receive USPS mail notifications of payment ( s ) being late? On all three calls to Target, I was told they would investigate their communication process errors. Since XX/XX/XXXX I have been working from home due to Covid 19. Did Covid-19 affect their processes? The 3 other people that have not been able to resolve the credit reporting and lack of communications from Target had great credit, too. Yet, like me are giving up because Target will not assist to resolve. But they were quick to report without any notifications to their customers.
|
| 12/15/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
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XX/XX/XXXX To whomever this may concern, Hi, I would like to formally submit a complaint against TD Bank I have a business account with them that is associated with my XXXX XXXX company. Recently between the months of XXXX and XXXX I had a previous client named XXXX XXXX whom I provided a refund use my account and routing number in order to make unauthorized transactions. The following unauthorized transactions were XX/XX/XXXX for {$0.00} from XXXX, XX/XX/XXXX for {$100.00} XXXX XXXX, XX/XX/XXXX {$260.00} for XXXX XXXX, XX/XX/XXXX {$490.00} for XXXX, XX/XX/XXXX {$550.00} and XX/XX/XXXX {$210.00}. I saw the transactions and saw they were not from any of the bills for my business. I decided stop by TD Bank located at XXXX XXXX XXXX, XXXX, NY XXXX and I spoke with an XXXX American woman who I explained my concern and how I need them to help me close the account. She stated to me, " We are not able to close your bank account, the charges are pending they have to go through first ''. Since I realized I was not getting any help I decided to call TD Bank Customer Service to speak to a representative over the phone regarding the problem. The lady I spoke with over the phone asked me if I know a XXXX XXXX because he made a charge to XXXX with my account and another account for a XXXX XXXX in connection to XXXX and XXXX. She suggested we close down the account and open up a new account in addition to calling all the automatic withdrawal bills to contact them and tell them this account will no longer be in service. She helped me put in a claim for every transaction that was unauthorized and that within 10 days I would have my funds back. Recently I received a letter from TD Bank from the ACH Department notifying me that they are unable to refund me the XXXX charge for {$210.00}. The reasons were because it was non-revocable, or the revocation was not done in time to allow the company to act on it, therefore I would need to contact XXXX. I called XXXX on XX/XX/XXXX as soon as I saw this charge on my account and they told me their not aware of this transaction because it was not associated with my personal or business account. The only option I had was to contact my bank as it was still pending and they would not have anything to do with it since they had not received the funds. All of the unauthorized transactions have been refunded to me except for the charge of {$210.00}.
Sincerely, XXXX XXXX
|
| 06/27/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
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On XX/XX/XXXX I received a promotional mailer for TD Bank at our house address. It required a minimal amount of money direct deposited to a new TD checking account in order to receive {$300.00}. My wife and I went into the TD Bank XXXX, SC location on XXXX XXXX. and met with the ( branch manager? ) XXXX. We brought the promotional flyer in and setup our Checking and Savings accounts accordingly. We exceeded the minimum monthly direct deposit for many months. Around XX/XX/XXXX I stopped in the bank ( XXXX location ) and spoke with XXXX - who confirmed that we had met all the eligibility requirements, but were now just waiting for the credit - and that it could take some time. I accepted that as an answer and moved on. On XX/XX/2018 I called the XXXX branch and requested information about where the credit is - since enough time has passed for TD Bank to honor their end of the deal. I was told I would receive a call back - which never happened. I called today ( XX/XX/XXXX ) and spoke with XXXX XXXX - who could not provide any information about where my credit was or what was going on. I insisted that I speak with someone else and got a different number which led me to XXXX ( XXXX, SC office ). She informed me that she had looked into this matter and had attempted to call me at the end of XX/XX/XXXX. She told me she left a message, but I have not received any proactive communication from TD Bank regarding this situation. The bank has my email address on file, but I never received an email. They also have my correct physical address on file, but I never received a letter. XXXX also informed me that " the customer did not receive a mailer '' was the response she received from TD Bank research department. This SHOULD have been something caught when we opened the account in-branch ( with the flyer in hand ) for this specific reason. I requested to escalate this higher and XXXX gave me the number to XXXX XXXX. I called him and he is not available. I have several other local bank accounts and this bank is the worst. They are slow, have terrible customer service, don't call you back - and nobody seems to know what is going on. My wife and I signed up as NEW TD BANK CUSTOMERS just because of this bait and switch offer that they are not wanting to honor. On XX/XX/XXXX I read this complaint to XXXX in order to verify that all of this information provided in this complaint is as accurate as possible.
|
| 02/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
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Web |
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|
I received a total of {$1900.00} in overdraft fees, service charges, maintenance fees related to fraudulent charges and disputes with creditors which caused my account to go negative. Unbeknownst to me, my account was in a classification of having maintenance fees of {$15.00} if going below XXXX and a forced overdraft usage if account is negative - TD will still cover the charges even if fraudulent, and force the consumer to pay {$35.00}, when a debit is presented, another {$35.00} when rejected, and yet another {$35.00} when TD bank puts it through again. Ive had balances of XXXX {$9000.00} through XXXX up until XX/XX/XXXX, when I became hospitalized with XXXX. During the time of my high balance, TD charged me fees, yet never paid interest or guided me to any higher account. Once I was hospitalized, there was fraud on my account and disputes. I contacted TD Bank Via live chat, customer service and email on XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, spoke to several representatives XXXX, XXXX, XXXX, XXXX, last was XXXX by email who stated she represented TD leadership and she called me verbally stating TD BANK has the right to charge overdraft snd service fees related to disputes with merchants even if theyre credited back to the consumer meaning even if there is a fraudulent charge or dispute- overcharge, and merchant credits me, TD bank will still keep those charge of fees on albeit merchant admitted to the errors and issued credits, TD bank takes further advantage of the consumer vulnerabilities and pockets the fees. Even if my account went below negative, TD bank paid transactions and then billed/ collected additional fees when my account had additional funds, on certain days collecting {$35.00} x4 on one transaction alone. When TD bank was notified, they did not care if their customer was in the hospital when these errors occurred, or that I held $ XXXX balance for over a year in a simple checking with no benefits. They aim to be profitable by charging the little people and draining us dry. I am told this is illegal, it is illegal to overcharge overdraft fees, illegal to keep fees in relation to fraudulent and erroneous charges, illegal to charge for overdraft protection when I never requested it in the first place. There is {$1900.00} in fees of illegal overdraft, service and maintenance fees that were stolen by TD BANK and must be returned to my account.
|
| 10/04/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Please see all files and pictures attached.
In my Target Mastercard fraud claim dated XX/XX/ ( See attachment " XXXX XXXX ), that includes a total of 24 transactions for a total amount of {$880.00} ( See attachment " Pic 3 ), Target has completely botched the dispute process and has completely screwed up my account to the point that I can't make sense of it. Furthermore, Target approved my fraud claim in my favor but then for some unknown reason reopened the fraud claim all the way on XXXX ( See attachment document page 2 of 11 ). Furthermore, Target states that the fraud claim was reversed and in an amount that I never disputed, {$1000.00}.
I've called Target at least on 30 occasions and sent 2 letter, one of which was an appeal. I have only been able to speak to the representative handling my case on 1 occasion, her name is XXXX. I have never once been able to speak to XXXXXXXX XXXX supervisor. I ask to speak to them every time I call customer service, to no avail. The representatives tell me that all they can do is send emails to XXXX and her supervisor. They never call or resolve my claim.
Target claims that travel tickets were purchased and therefore that was a partial reason for denying my claim. I asked Target to provide evidence of this, they have not. The only travel related charges that I do see on my statement that were disputed appear to be from XXXX XXXX. I called XXXX XXXX myself and ask about the 2 charges that appear to be made at their business. They advised me that those 2 charges that I see on my statement were not used to purchase any travel tickets but were in fact charges for miscellaneous services/item not involving any travel.
Target claims that my PIN was compromised. I did not have my PIN written down anywhere. Additionally, I spoke with a Target call center representative by the name of XXXX on XXXX who advised me that my PIN number was not used in any of transactions in question.
Even more concerning, I appear to actually have received more charge backs and duplicate charge backs than I ever disputed in the fraud claim in the first place, which I have been made financially responsible for. For example, please see pay 7 of 11 of the attached document in the statement dated XXXX It shows a duplicate charge back from merchant XXXX XXXX XXXX XXXX, two charges for {$11.00} each. There was only ever one charge from XXXX XXXX XXXX XXXX to begin with.
|
| 04/08/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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On XX/XX/XXXX I was billed from an merchant. Once I saw the unauthorized charge on the account and did not recognize the charge so I called td bank and they advised it must be fraud. They did not advise me of who the merchant is. They did not tell me who to call. They did not guide me in any way to show me if this was fraud or a dispute. They treated it as fraud and received a sales draft or a representment back stating I authorized this charge and sent me the documentation dated XX/XX/XXXX showing XXXX XXXX is for the taxes I was refunded when I made a purchase in duty free. They claimed I did not submit the form however I did. I was advised to drop the form into the blue box thats in the airport which I did do. XXXX XXXX does not have a phone number that I can call. The number is out of the country and the transaction is still a billing error. By the time I saw the documents I had already received a letter dated XX/XX/XXXX stating they had issued a credit to my account and the dispute was resolved in my favor. XXXX XXXX XXXX XXXX I started getting collection calls saying I owed this amount. I contacted the bank and they advised they never sent the letter and I told them they did. After them investigating some more they said the letter was sent in error. I have been going back and forth with the fraud/dispute department manager XXXX XXXX who advised I was wrong for claiming fraud and I said no one told me who it could possibly be so if the bank cant tell me who they are then how would I know. She said there was nothing she could do. I was sent to collections. It effected my credit and I was charged interest and late fees. XXXX said the letter was an error. No one caught this error before I was sent into collections. I had to call them to tell them they sent me this letter months ago. I asked XXXX to speak to my daughter and they talked on XX/XX/XXXX. XXXX advised she would submit the escalation and we would have an answer within 7-10 days. No one has called us back. We called two to three times and my daughter left voicemails for her to call back and she has not. Td bank has mishandled this case and incorrectly sent my account to collections and has not been in communication as promised. The transaction is still a billing error since I did everything I was told to do per the merchants terms and conditions and they refuse to take this dispute or credit the account for the error
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| 12/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Subject : Urgent : Request for Expedited Reopening and Processing of Dispute - Scam and False Advertisement Target RedCard Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mastercard Customer Service Dear Target RedCard Services and Mastercard, I hope this message finds you well. I am writing to bring to your attention a matter of utmost urgency regarding a dispute that requires immediate resolution. I have been a victim of a scam involving the purchase of replica and unauthentic items, accompanied by false advertising.
Details of the dispute are as follow
s : 1. Unauthorized Items and False Advertisement : I recently made a purchase, and upon receipt of the items, it became evident that they were replica and unauthentic, deviating significantly from the description provided in the advertisements. 2. Contact with XXXX Authorities : To address this issue promptly, I have already contacted the XXXX authorities to report the fraudulent activities and seek their assistance in investigating the matter.
3. Failed Attempts to Resolve with Merchant : Despite my attempts to contact the merchant for a resolution and return of the items, I have received no response. Their lack of communication and refusal to address the issue further necessitate your intervention.
4. Providing Supporting Evidence : Attached to this email, you will find comprehensive evidence supporting my claim, including photographs of the received items, proof of the advertised item descriptions, and documentation highlighting discrepancies in the invoice numbers and items ordered.
5. Confirmation from Authentic Brands : I have also acquired letters from the authentic brands, XXXX and XXXX, confirming that the items I received are indeed not authentic. These documents further solidify the fraudulent nature of the transaction.
Considering these circumstances, I kindly request that you urgently reopen and expedite the processing of my dispute. The prompt resolution of this matter is crucial, as I am facing financial repercussions due to the fraudulent transaction.
Your immediate attention to this issue is highly appreciated, and I am confident that, with the evidence provided, you will be able to facilitate the return of funds to my account without undue delay.
Thank you for your prompt assistance in this matter. I am available for any additional information or clarification you may require.
Sincerely, XXXX XXXX
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| 11/18/2023 |
Yes |
- Credit card
- Store credit card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
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Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Re : Target Credit Card Application and XXXX Concerns Dear Consumer Financial Protection Bureau, I am writing to express my concerns regarding Target 's credit card application process and its implications for individuals with XXXX. I recently applied for a Target credit card and was subsequently instructed to upload certain documents to their website. However, I encountered several issues that I believe are discriminatory and violate the Americans with XXXX Act ( AXXXXA ).
First and foremost, Target 's requirement for uploading documents online creates barriers for individuals who may not have access to the special equipment or the ability to scan and upload documents. This requirement effectively excludes a significant portion of the population from accessing the Target credit card, which is a violation of the AXXXXA 's mandate of equal access.
Secondly, Target 's privacy policy regarding submitted information raises concerns about the potential misuse of personal data. The policy states that " All information submitted to us via the Services shall be deemed and remain the property of ours. We shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a user of the Service provides us through the Service. '' This broad and vague language suggests that Target may use submitted information for purposes beyond those necessary to process credit card applications, potentially violating individuals ' privacy rights.
Finally, when I contacted Target to request reasonable accommodations for my inability to upload documents online, I was met with an insensitive and dismissive response. A customer service representative informed me that Target considers individuals ' XXXX that preclude certain tasks as a personal choice, a statement that is not only insensitive but also contradicts the AXXXXA 's clear provisions.
I urge the Consumer Financial Protection Bureau to investigate XXXX 's credit card application process and ensure that it complies with the AXXXXA. Individuals with XXXX should not be denied access to credit cards or subjected to discriminatory practices due to their limitations. I believe that Target 's current policies and practices are unacceptable and require immediate attention.
Thank you for your time and consideration.
Sincerely, XXXX XXXX
|
| 01/05/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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I made an online purchase with my TD credit card on XX/XX/22 that had a time-sensitive arrival. The merchant ( XXXX XXXX XXXX ) failed to make good on their promise to get it to me on time. While working out a resolution, the merchant stated they would provide me a full refund. Over the course of a month, I continued to reach out the the merchant, who would then not honor the original commitment to provide a full refund. They ended up completely ghosting me ( wouldn't return my emails ). I maintained excellent records of all emails sent back and forth to prove the merchant rightfully promised a refund.
I reached out to TD Bank on XX/XX/22 to dispute the transaction. They provided written confirmation by mail that they were initiating the chargeback and would notify me when the matter was resolved. They provided the case number XXXX.
On XX/XX/22, TD Bank mailed me a notice stating ( summary ) that they had tried to reach me by phone and mail for information, and since they did not receive a response, the case was to be closed. I received this notice on XX/XX/22 and promptly called their dispute department.
I explained that I had never received any written communication requesting information ( which can be proven by my subscription to XXXX Informed Delivery ). The clerk stated they would reopen the claim and asked that I fax requested information to them. I promptly gathered the email chain as proof of the interaction with the merchant, adding a detailed letter, and faxed it to the number provided.
After several weeks without any update, I called the dispute department again on XX/XX/22. After a very long hold, the clerk was not able to provide much new information, only that the fax I sent on XXXX was received and the transaction was still being investigated.
After another week without any update, I called the dispute department again on XX/XX/22. After several holds and several transfers, I was told it could still be weeks for an update. I explained I would would be initiating a claim with CFPB, as it had already been 104 days since I initiated this dispute. The clerk stated I should open a new claim, which they could attach all of the previously provided information. They stated this would be the best way to get this dispute in front of those that can make a decision. I allowed this, as I simply wanted to get this claim off of my radar and hear the determination.
|
| 04/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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On XXXX XX/XX/XXXX, I established banking relationship with TD bank in XXXX XXXX, FL ( branch XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ). I opened a checking account type 'TD Beyond Checking ' and enrolled in the cash bonus reward promotion program. The program has no promo code required at the time of the opening, I simply research this program on TD bank website and see which option is fit to my financial situation. The individual banker who opened named XXXX XXXX, position Customer Service Representative, XXXX ID # XXXX confirmed that the account was opened and enrolled in the this particular cash bonus promotion.
This promotion requirements are : 1. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD XXXX XXXX account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening.
2. Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 140 days from account opening.
XXXX. Account must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus.
XXXX. If the checking account is closed by the Customer or TD Bank within 6 months after account opening, TD Bank does reserve the right to deduct the bonus amount from that account at closing.
On XXXX XX/XX/XXXX, I made a first direct deposit of {$1300.00} into the account.
On XXXX XX/XX/XXXX, I made a second direct deposit of {$1400.00} into the account. At this point I had {$2800.00} into the account which meet thus first criteria.
Then, I was expecting the latest earning date of XXXX XX/XX/XXXX for the {$300.00} which is more than 140 days as stated in the criteria.
However, I did not receive anything after the above date. Thus, I called the bank to see what is problem. The representative sent an email to Marketing and Promotion department for my case. I still did not hear anything back, neither an email nor a phone call from this bank, for my case after almost two months. I called them today and received the answer that My account was not qualified because I did not have a directly specific promotion flyer that was issued in my name and sent to my mailbox at the time opening '. This answer is completely untrue because there is no such criteria as this in the requirements that posted on TD Bank website.
|
| 04/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
Servicemember |
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Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX North Carolina XXXX TD Auto Finance XXXX XXXX XXXX XXXX, MI XXXX Wrote : Description of account, Transaction, or Requested Credit : Your application for the sales financing of a motor vehicle was submitted to us by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX on XX/XX/2021.
We have declined your application.
Our credit decision was based in whole or in part on information obtained in your reports ( s ) from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, PA, XXXX WWW.XXXX XXXX. ( XXXX ) XXXX Your credit score, obtained on XX/XX/2021 was XXXX. Scores range from a low XXXX to a high of XXXX. Key factors that adversely affected your credit score : Lack of recent installment loan information This inquiry is false ; I have a credit score of XXXX?
Length of time revolving credit accounts have been established This inquiry is false ; I have a credit score of XXXX?
Time since most recent account opening is too short- This inquiry is false ; I have a credit score of XXXX?
Too many inquiries last 12 months-This inquiry is false ; I have a credit score of XXXX?
The applicant wrote : I feel TD Auto Finance purposely is trying to or have ruined my credit score by denying me approval while I hold a credit rating that few do. I have been working hard to keep my credit score high enough so I would not have to deal with such issues like the one Im facing in this report. I can not sit back and let this report go unchecked.
I have been personally hurt and my credit score has been purposely injured by TD Auto Finance denying me credit while holding a credit score of XXXX which clearly shows my credit worthiness. I am going to file a complaint with federal trade commission on the grounds that TD Auto Finance has denied me the right to trade, that prohibited me from fair and equal trade base on my credit score and some false inquiries. This compliant will be in-part or whole, pursuing that the federal equal credit opportunity act prohibits creditors from discriminating against credit applicants on the basis of race the factor and ( provided the applicant has the capacity to enter into a binding contract ).
TD Auto Finance has violated this statement because of said credit applicant has already entered into a binding contract and received the loan with the credit score of XXXX which was denied by TD Auto Finance.
|
| 08/13/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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Receive the loan XX/XX/XXXX into my account on XX/XX/XXXX try to make a withdrawal and was denied and told I was not able to use the funds because I was committing fraud straight up discrimination Each bank or credit union has its own rules as to when it will let you access money after you deposit a check, but federal law establishes the maximum length of time a bank or credit union can make you wait.
Generally, if you deposit a check or checks for {$200.00} or less in person to a bank employee, you can access the full amount the next business day. If you deposit checks totaling more than {$200.00}, you can access {$200.00} the next business day, and the rest of the money the second business day.
If your deposit is a certified check, a check from another account at your bank or credit union, or a check from the government, you can withdraw or use the full amount on the next business day if you make the deposit in person to a bank employee.
If you make a check deposit at an ATM at your bank, you can withdraw or use the full amount on the second business day.
Your bank or credit union has a cut-off time for what it considers the end of the business day. If you make a deposit after the cut-off time, the bank or credit union can treat your deposit as if it was made on the next business day. A bank or credit unions cut-off time for receiving deposits can be no earlier than XXXX XXXX. at physical locations and no earlier than noon at an ATM or elsewhere.
The amount of time a bank or credit union holds funds you deposit by check is sometimes referred to as a deposit hold or check hold. Some banks or credit unions may make funds available more quickly than the law requires, and some may expedite funds availability for a fee. If you need the money from a particular check, you can ask the teller when the funds will become available. A receipt showing your deposit does not mean that the money is available for you to use.
It may take longer for you to access your deposit for a few reasons : If you have a new account or if your account has been overdrawn too many times in the past six months ; If you make a deposit over {$5000.00} ; If you make a deposit at an ATM owned by someone other than your bank or credit union ; or If the bank or credit union reasonably believes the deposited check may be uncollectible.
If you or your bank redeposit a check that has been returned unpaid
|
| 04/15/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
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I was a victim of fraud with a check being cashed by someone other than the recipient. I mailed out a bill pay check through TD Bank which is a typed check mailed out directly from the bank to the recipient. This was a check made out to XXXX XXXX as it was an alimony check. It was cashed by someone whom was not XXXX XXXX and the actual signature on the back of the check is not even signed as XXXX XXXX. This check was cashed by TD Bank and fees pulled out of my account which also caused my account to go into arears thus I incurred added fees. Once I noticed this online I called the bank and was basically told tough luck you need to go to a local branch. Being I live most of the time in the XXXX XXXX XXXX said I can not do this since there is no branch here in which I was more or less told tough luck. Upon returning to the USA I went to my local branch and filed an affidavit of fraud with the bank. Since then I have called numerous times and been to my local branch with the very nice people that work there trying to get answers. I have been given a different story every time I call on the phone depending on whom I talk to from its going to be in my account to it could take up to 6 months for us to make a decision. I do not see what there is to investigate considering its more than obvious the check was cashed and signed by a different person with a different name. I have since filed a police report on XX/XX/19 with the XXXX XXXX XXXX office. This morning TD Bank called to ask about a check I wrote off my new account which they seem to do with every check now to make sure its valid and I asked the gentleman about the status on my case and he responded saying it was closed as of yesterday and I had to call the other division in the Fraud department to get the particulars. I did that and basically was told the fraud department didnt have any info for me over the phone and I needed to go to a local branch. After being persistent and explaining I will be leaving again to go abroad and can not be told this I was connected and a young lady gave me a different answer than I was given in the morning. I feel at this point TD Bank has stolen my money and really does not care. I will be going back to the XXXX where I have a family this week and it will be for a few months and will not be able to play the go to the local branch game. Any help will be so much appreciated in this matter.
|
| 02/14/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
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XXXX XXXX is charging me late fees despite my having already made greater than minimum payments.
On XX/XX/XXXX, I paid my XXXX balance ( including a late fee ) in a store. They wouldn't tell me the balance amount so paid an amount I knew would be greater than it ; I ended up paying {$78.00} more than my balance, therefore I had that amount to spend before owing anything to the account.
On XX/XX/XXXX I made a {$56.00} purchase. I knew the overage in my account would pay for this. Yet on XX/XX/XXXX I was charged a late payment fee even though I had already paid XXXX this amount months earlier. In XX/XX/XXXX or XX/XX/XXXX, I was able to reach XXXX on the phone and explained that they had charged me an incorrect late fee, that I had paid what I owed months before the fact. I asked what happened to the {$78.00} I had overpaid. The associate said I had been mailed a check in XX/XX/XXXX ( reflected on older state as XX/XX/XXXX Credit balance refund + {$78.00}. ) I said I had never received such a check and that XXXX could not simply post a purchase to my account if I did not actually receive any products of funds. The XXXX people agreed : they refunded the XX/XX/XXXX late fee and they said they would send " another '' check for {$78.00} to account for the {$78.00} purchase they had taken out of my account on XX/XX/XXXX. I asked for a reference number I could refer to if I again received no check and needed to call back. The associate promised I would get a check and would not need to call back and refused to provide a reference number. They said I would receive the check in 6-8 weeks.
Months later, I had still not received any check.
On XX/XX/XXXX, I made a purchase at a XXXX store. My next payment due date for the card was XX/XX/XXXX, with {$27.00} minimum payment due. I did not pay this as I had already paid XXXX the {$78.00} on XX/XX/XXXX which they have to this day not applied to any of my purchases nor transferred into any bank accounts I own. On XX/XX/XXXX they charged me a late payment fee of {$27.00}. Of course I did not pay because I was not late, I had already paid enough to cover the minimum payment on XX/XX/XXXX. On XX/XX/XXXX they charged another late payment fee, this time for {$38.00}. Again I did not pay the fee because I had already paid in XX/XX/XXXX and that amount I had paid was more that the minimum payment would have been excluding the phony late fees.
|
| 02/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
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On XX/XX/XXXX my debt card was denied at the store. The clerk told me the error message said fraud. I immediately tried to log into my bank app and was denied access. I called the customer service number on my card and was told my accounts were frozen and set to close by the demarketing dept. They said my relationship with TD bank was being terminated. When I asked why they said they didn't know and I should contact demarking. I called them XX/XX/XXXX @ XXXX. They ask to leave a voicemail and will return your call in 24-48 hours. I have left MANY messages and called customer service MANY times in the following days. On XX/XX/XXXX @ XXXX, I went into a branch ( XXXX XXXX NJ ). They told me the same thing but said they would email the demarketing dept. On XX/XX/XXXX, the branch called and told me again the same thing with no further details. When I asked what I am supposed to do next in regards to gaining access to my funds, I was told I would have to wait to receive a letter in the mail in 7-10 business days. It is now day 6 of me not having access to my funds. I can not pay bills or receive my paycheck because of my locked accounts. At the branch and on the phone with customer service ( fraud dept ) I expressed that I was concerned because my husbands account at XXXX XXXX was compromised and fraud was committed via XXXX. XXXX XXXX told my husband that it was user error however they would try to recover the funds that seem to have went to some TD Bank account. I asked if this could possibly be related since my husband is a signer on one of my 7 accounts. They were not sure. Today, XXXX, I called customer service and learned that on XX/XX/XXXX, the day my account was frozen, someone tried to set up a XXXX profile. It was NOT me. Again I have NO idea why my accounts were frozen, what to do next, why I wasn't notified that someone other than myself accessed my account, there was been NO customer service. Instead of helping me, TD Bank is just trying to cut me off and I did NOTHING wrong. I am extremely upset. My mortgage payment is due today and my credit card bill is due XXXX. I have no way of paying them or depositing my paycheck. Every penny is currently locked. My checking, savings, and my XXXX childrens accounts. How can TD Bank treat a customer like this? I have been a customer since I am XXXX XXXX XXXX and was an employee of this company. I am so disgusted and upset.
|
| 06/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
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Web |
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I would give negative if I could. My TD checking account was locked since I tried to log in online using wrong password many times. I called the customer service line and see if they can help. They said they could not ID me on the phone and I had to go to the branch. The nearest branch was 3 hours away. I said I wanted to close my account but they said I still have to come in to the branch. I am a XXXX and that day ( XX/XX/19 ) I had to reschedule my patients and lost my income on that day plus had to drive 3 hours to and from the bank. When I went to the bank at XXXX, VA, the bankers asked me why my account was locked and why I had to be physically here. They even said they did not know the reason and that is the top security. I told her what? I never owed any bank or even had any collection company called me. They made me feel like I am a criminal. They asked me about my previous address dated back for 10 years, my driver license, my bank statement from the other bank that I transfer to money from and make the copy of the other bank credit card, my SSN and also demand me to show my SSN card. Could all of these be done on email or phone when there is no difference at all whether you would ask me on the phone or see me in person? On top of that they made a copy of my other bank debit card. Is that not invading my security with the other bank? I had to download a statement from the other bank online account and email it to the banker 's email address. Isn't that invading my security? That sounded fishy to me. Are they stealing my money? How could this be possible when every single bank has the option to recover your password or identify you on the phone or online. When I arrive to the branch it was almost closed and the headquarter was already closed so the banker could not close my account until my account was unlocked. I guess TD just want to keep your money for inconvenience. Imagine if you move to the west coast or foreign countries where there are no TD bank around. Why would they even advertise about online banking when it is not online at all. I will demand them to pay my gas and time I waste to drive back and forth and also emotional distress. This is just UNFAIR. I will tell all of my friends and whoever I know to stay away from TD bank.
Beware of TD bank, they want to take advantages of the customers who live overseas or in the area where no TD bank located.
|
| 06/18/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
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Through this complaint, I request that CFPB staff review the action taken by TD Bank in denying my Reg E-covered unauthorized withdrawal claim. I opened an XXXX account for my minor daughter so that she would have access to limited funds on a debit card. The card and the account were used sparingly. When my daughter attempted to make a teller cash withdrawal on XXXX XXXX, 2015, she and I were advised by bank staff that our account was overdrawn in the amount of {$1800.00}. We subsequently learned that my daughter was unaware that she had lost the debit card and that XXXX counterfeit checks were deposited to the account. Whomever perpetrated this fraud capitalized on the fact that immediate credit was provided by TD at the time of deposit. ATM withdrawals were then executed against the account over a 12 day span. Once we were aware that the card had been lost and the account compromised, we filed an unauthorized electronic transaction claim with TD. At the request of bank investigator 's, a police report was filed with the XXXX XXXX Police Department.
In explicably, TD Bank has denied our claim, citing as the basis for its decision, the fact that no additional transactions were attempted after the checks deposited were returned as counterfeits and because the transactions were consistent with our normal usage pattern. XXXX 's actions in this matter are a flagrant violation of Reg E and raise a question as to whether it 's policies in this area are in conformance with the requirements of the regulation. How many other consumers have been unfairly treated as my daughter and I have been?
I want to emphasize that the unauthorized transactions were all conducted in XXXX, NJ. My daughter and I reside in XXXX, XXXX, New York. Neither of us has ever recorded a bank transaction in XXXX, nor did we transact in the amounts and frequency noted for the fraudulent transactions. Moreover, there is no significance of the fact that unauthorized activity on the account ceased after there were no longer available funds.
Reg E requires that a financial institution have evidence that a covered transaction or transactions which form the basis of a consumer claim were not unauthorized if it is to deny the call for reimbursement. TD Bank has no such evidence and the inaccurate and absurd reasons it offers to unlawfully deny my claim is behavior that warrants an examination by the CFPB.
|
| 10/26/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
I have a HELOC with TD Bank that I'm looking to have paid off and closed.
I requested information from the bank for how to get a Verification of Mortgage from TD.
I received a response bank from their digital team with instructions.
I followed the instructions provided and the loan processor sent in the verification request.
The f
irst 3 requests did not get a response. The 4 request I was told, could not
be processed due to not having a specific verification form filled out. Even though the instructions provide to me by TD Bank originally stated I just needed to send them a letter. I spoke to a representative who repeatedly told me that a letter is not acceptable and that I need to have the specific form signed and resend it in to her attention and she would call if there were any problems.
I called 2 days later after not receiving a call from the representative asking for the status of the document and was told that since my signature on the request does not match the original document from 2018 they can not process my request.
I explained that my signature has changed since then and what can I do to get this corrected, they stated that without a signature match there was nothing I can do.
I understand that my signature is not the same as 2018, but I still need my verification of mortgage request completed somehow. TD Bank as a company is unable to tell me what I can do to get this requested resolved. They are giving me no other option to get me verified so that this VOM can be sent.
I have been verified by TD over the phone, through their VoicePrint service and the secure text codes, so they are able to verify who I am.
After speaking with numerous representatives it appears that no one is able to assist. I have been told we can " try this or try that '' but no one can tell me what needs to be done to get this processed. I've received different answers from most of the representatives I spoke to.
The bank is causing me financial strain as I am trying to make these payments each month and the payments have increased significantly due to interest rates.
I feel as if TD is intentionally delaying the payoff and closing of my loan so they can continue to collect the high interest payments from me and keep this loan on the books.
As a top US Bank TD should have clear and simple instructions to provide to a customer when handling their requests.
|
| 12/17/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD BANK XXXX XXXX.
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
|
| 06/07/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
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|
XXXX XXXX has mark me down for fraud or account abuse. I have n't committed any of that of my account. I took out a pay day loan and had it linked to my bank account at the time, I called the pay day loan services and asked them not to take money out of that account because it would n't be enough in there ( since I lost my job ) they refused. I passed that information on with XXXX XXXX, who informed me they would put a stop payment with the pay day services and they never did, which continued to allow the pay day service to debit the amount I owed, and the payment would come back returned leaving me with fees. I called XXXX XXXX every day for a week back in 2011, and they refused to fix the problem. I never committed fraud or account abuse with my account. XXXX XXXX refused to prevent the matter from escalating leaving me to pay fees that I could n't afford.
XXXX XXXX has also written me off with the same thing. ATM abuse. When I lived in Idaho my identity as well as my girlfriends XXXX XXXX, was stolen. We wrote a report for the person who police already had in custody at the time but they refused to look further into the matter since he 's in jail. The police were also XXXX. And I 'm not saying that for pity or playing the race card, they were truly XXXX. Against my sexual orentation and my skin color, my girlfriends as well. I know this because they said it to my face. I requested XXXX XXXX to remove the account entirely due to fraud and they want me to submit a police report. I live in XXXX now. Since the bank is in the west coast the police in XXXX ca n't do anything about it. I 'd have to go back to Idaho. I called Idaho to get the police report number but they do n't have anything on file. I want that account removed.
TD bank, a similar situation. My TD bank account was never comprised. My XXXX bank account was which was linked to my TD account. My cousins son XXXX XXXX, who is currently in custody for identity theft hi jacked my XXXX account and would make transfers from my TD bank in my XXXX and with draw the money. At the time I did n't really pay attention to any bank because I knew there was no money in either. I was n't big on online banking, but I kept getting mail saying I owe outrageous amounts of money. TD bank, I owed them prior and paid off my account so when I seen that I still owed them I did a little research and put two and two together.
|
| 09/19/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I made a fraud claim for transactions that are not mine in XX/XX/XXXX. Fraud claim was closed in my favor. Fraud claim was subsequently reopened for some unknown reason in XX/XX/XXXX. Evidence supporting the fraud claim against me has never been provided even after requesting the information several times. I've called the credit card company at least 30 times. I have only been able to briefly speak to the representative handling my claim one time. I request a call from the employee handling my claim every time I call and she never calls back. I've wrote the company 2 letters. I also ask to receive a call back from the supervisor of the employee handling my claim. I have Never once talked to the supervisor at all.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it May Concern ; Please take this as my appeal to my fraud claim that was initially denied in a letter from your office dated XX/XX/XXXX. Your investigation is wrong and erred in its denial. Regarding the 3 points presented in your findings, please find my responses : -Travel tickets were purchased using this card, but no travel tickets in any instance were disputed by me. Therefore, you are presenting incorrect information and basing your decision off of incorrect information.
-The card was not in my possession at all during the period that these transactions took place, nor do I have possession of the card now. I do not know where it is, what happened to it, or who used it.
Regarding transactions being made using my PIN number, I never provided my PIN number to anyone nor was my PIN number written down anywhere. Additionally, after calling your office and speaking with a representative by the name of XXXX, she advised me that your information was incorrect because she does not see anywhere my PIN number was used in any of the transactions that are in dispute.
Furthermore, the letter from your office dated XX/XX/XXXX states a disputed amount of {$1000.00}. I never disputed that amount, I do not understand where that number is coming from. This fraud claim totals 9 charges in the amount of {$440.00}.
Due to these faulty facts in the investigation, I request that this fraud claim be approved in its full amount.
Sincerely, XXXX XXXX
|
| 10/09/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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|
I initiated an ACH transfer of {$2500.00} from my TD Bank checking account to my XXXXXXXX XXXX checking account on or about XXXX XX/XX/2022. I got a " Transaction Complete '' message right away. However, I found out on or about the XXXX of XXXX that my online account was locked when I tried logging in. I contacted TD customer care on the XXXX, and a customer care representative told me that the transfer was marked suspicious and had led to my account being locked.
After verifying my personal details as well as transfer related details, I was told that the account would be unlocked the next business day.
I waited until XXXX XX/XX/2022, and my account was still locked. I contacted customer service again and after verifying my identity once more, I was told that the account would be unlocked the next business day and the transfer would go through.
I waited until XXXX XXXX and still, nothing happened. I called customer service once more and expressed my frustration. After verifying my identity and other details one more time, I was told that the freeze on online banking would be lifted in a matter of 30 minutes and the transfer would be received on the other side in 2-3 business days.
After waiting for ~7 hours, I called again and this time, I was told that I would have to walk into a TD branch to verify my identity for them to unlock online account. The representative told me that the nearest one was in XXXX XXXX, MD. This was physically impossible as I reside in XXXX, MN. The representative advised me to contact the branch directly to see if they could make an exception.
I called the branch on XXXX XX/XX/2022 and the branch " supervisor '' was just as condescending. He told me that the only way to get the account unlocked was to walk into a branch. I was willing to send them copies of my documents in the mail and even provide additional verification over phone and email, but he did not accept any of it.
It is a shame that TD continues to have such needless verification requirements of having to come into a branch when they don't have any branches in over half the country. My funds ( ~ {$5000.00} ) is stuck with TD and this is causing me great amounts of XXXX and XXXX
I would like to request the CFPB to do whatever is necessary to help resolve this issue at the earliest and take action against TD Bank for causing great inconvenience to its customers.
|
| 06/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
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|
I applied for a mortgage loan with TD bank on XX/XX/XXXX ; since then, as a law abiding and disciplined individual, I have been submitting ALL the documents my loan officers, XXXX XXXX and XXXX XXXX, requested ASAP. In XXXX, I have sent them numerous emails with questions about an updated Closing Disclosure to reflect a reduced price for the house - NO RESPONSE ( they claim their service as " legendary '' ... ) Our lawyers and real estate agents have been discussing a prospective closing date for weeks, and the ladies have always been a part of these emails ( no response from them ). XXXX did let me know that the locked rate is expiring on XX/XX/XXXX, but did nothing to expedite a new Closing Disclosure document to reflect new numbers.
I had to contact their supervisors, XXXX XXXX and XXXX XXXX, to ask for help and assistance. XXXX responded - she was excessively apologizing for her employee, XXXX XXXX, who neglected her duties. She assured me the rate would not change till XX/XX/XXXX. It took XXXX a couple of hours to update the Closing Disclosure ( CD ), and I signed a new one. We all finally agreed on XX/XX/XXXX ( today ) as the closing date.
I was on my way to XXXX ( 2.5 hour drive from XXXX!!! ) when my lawyer called me to inform that TD bank people are not ready for the closing ... They did not finalize the paperwork or something like that. That is UNPROFESSIONAL, obnoxious, and so rude!!! They did not even call me to let me know of the " changes '' - and they have always been part of ALL my e-mails to the real estate agent/s and/or the lawyer/s.
Everyone ( real estate agents, lawyers, myself ) got appalled by their " legendary '' service. If they plan to procrastinate in order to change the rate ( which is TD bank 's common practice ), it is not my fault and not my financial responsibility to pay for extension since XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX procrastinated with my mortgage.
I ask for your help and assistance with my case.
P. S. Eight years ago, I had an extremely painful experience with TD bank when I applied for a mortgage loan for my apartment in XXXX. At some point, I reached high rank TD officers in XXXX XXXX, NJ who helped me with the closing and financial issues created by unprofessional mortgage officers. I am so grateful for their assistance. I promised myself not to deal with TD bank in the future. Never say never ...
|
| 06/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
On XX/XX/2022, I the consumer, natural person, and original creditor initiated a consumer credit transaction with TD Bank. On said date I applied for their TD Double Up XXXX Credit Card using my social security number ( SSN ). However, TD Bank denied my consumer transaction/application and mailed me an adverse action letter dated XX/XX/2022 ( a violation of 15 U.S.C. 1691c ). A copy is herewith attached. On XX/XX/2022, I sent TD Bank by certified mail notice alerting them of their violation of my federally protected consumer rights. Which they received and signed for as evidence by the signed certified return receipt ( XXXX ).
Copy herewith attached. In the notice, I gave TD Bank ten ( 10 ) calendar days to rectify the situation by reassessing my application and approving it. I also clearly and conspicuously stated that " failure to respond is tactic agreement that [ TD Bank ] [ is ] civilly and criminal liable for the actions take against the beneficiary. '' In accordance with the postal rule, their failure to respond in writing to my notice to wit, is tacit agreement that they violated my federally protected consumer rights by not approving my application for the TD Double Up XXXX Credit Card. It has been over 30 days since TD Bank has received my first notice and yet has not responded in writing to my demands.
To reiterate what my notice made clear : According to federal law ( 15 U.S.C. 1602 ( I ) ) my social security card is a credit card. A credit card is defined as " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' I used my social security card/number in connection here to obtain another credit device existing for the purpose of obtaining money, property, labor, or services on credit. Accordingly, as a consumer, natural person, and original creditor, it is unlawful to deny me of my own credit. Furthermore, 15 U.S.C. 1691 ( a ), provides that : " [ I ] t shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction.. " A denial of my open ended consumer credit constitutes to discrimination. Moreover, pursuant 12 U.S.C. 1431, Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore TD Bank is unable to lend a consumer, natural person, and original creditor anything.
|
| 05/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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|
On XX/XX/2020 I went to use my checking account and noticed the funds were not available in either account ; XXXX & XXXX I called the main office of TD Bank and was on hold for 45 minutes so I got in the car and drove to the branch. I spoke to the branch manager in XXXX, Massachusetts and she did not know why my funds were frozen but she would email the proper dept. and get back to me on Monday. On XX/XX/2020. I received a call from XXXX ( no last name given ) on Monday and returned her call the following day. She said my account was frozen but could give me a reason. I asked her for a letter or some notice so I could investigate the situation and she could not provide me with one and left it at that. This was a Department of United States Treasury Check and according to 15 USC 1 Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. American Citizens have rights according to 26 USC 6332 if there was a problem with my check I would have been given Civilian Due Process and 90 Days to correct any mistakes but because this was straight out theft of my funds I was denied any civilian due process. Also According to 15 USC 2 Every person who shall monopolize, or attempt to monopolize, or combine or conspire with any other person or persons, to monopolize any part of the trade or commerce among the several States, or with foreign nations, shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court. This was Theft, Unauthorized Transaction, Consumer Fraud, Restraint of Trade, The bank also used my exemption and according to the FDCPA all of the above is UNLAWFUL. Also in the event that a 3rd party debt collector has requested the funds out of the account I am prepared to file a suit against the bank under these United States Codes that are here to protect Americans. I request that my funds be put back or released into my account immediately TD Bank has a fiduciary duty to all citizens to follow the law as stated by Attorney General XXXX XXXX notice to all last week! I expect the funds to be returned immediately.
|
| 04/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Around XX/XX/XXXX, I made my monthly payment for my Target card. I believe I made the monthly payment with a representative.
On XX/XX/XXXX, An alert from XXXX XXXX came in my email informing me, my credit score went down. I quickly viewed my credit reports. I discovered that Target had place a 30 days late mark on my credit report, which ultimately affected my credit score, as well as, another creditor lowering my credit card limit because my credit score was lowered.
On XX/XX/XXXX, I contacted Target about the negative 30 day mark that was placed on credit report, which my monthly payment was made. I was informed, " Target had a computer glitch when my payment was made and the payment did not get posted ''. I asked Target to removed the negative 30 day reporting from my credit report because it was ruining my credit score and my other creditors relations.
On XX/XX/XXXX, I viewed my credit report to see if Target had removed the negative 3o day mark, which they had not. I also discovered that another credit caard lender hard reduced my line of credit due to the negative 30 days late mark, whoch caused my credit score to be lowered.
XX/XX/XXXX, I contacted Target again to remove the negative 30 days mark because I needed my credit and could not afford for my credit score to be lowered, nor did I want another creditor reducing my line of credit due. I was told, " Target was still in the process of removing the negative mark from my credit report, while I continue to adversly affected by the negative mark on my credit report.
We are experiencing a Pandemic Crisis and I needed my line of credit on my credit card, which my credit card limit was {$2100.00} that was reduced to {$700.00}. In addition, when my credit card holder reduced my line of credit, it also affected my credit score. My line of credit was reduced on XX/XX/XXXX, which I contacted Target on XX/XX/XXXX about their mistake of putting a bad mark on my credit report. If Target had taken care of the negative mark, i would not have lost my credit line with my credit card holder. My credit is ruin as well as my credit score. I opened the Target account in XXXX which I was in good standing with my Target account as well as with my other credit card holder.
Target ruin my life and my credit! I needed my credit card limit that was reduced while I am adversely affected from the Pandemic Crisis.
|
| 07/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I TD Bank Operations Center XXXX XXXXXXXX XXXX, ME XXXX Re : Mortgage Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Loan # XXXX I have had my mortgage since XXXX and never had a late payment. I made a payment on XX/XX/XXXX in the amount of {$1100.00}. In XXXX my payment was adjusted as well as the interest rate. I received a letter on XX/XX/XXXX saying my payment was 30 days late. After numerous phone calls I was told that I was notified in XXXX that my monthly payment was going to change due to adjustments in escrow. I never received such letter. As far as I knew my payment was the same since the beginning of the year.
My payment apparently went to {$1100.00}. As soon as I was told this was a problem I paid TD bank {$35.00} to make up the difference of approximately {$29.00}. I then paid my XXXX payment of {$1100.00}.
Again, I was unaware of the change in payment which is less than {$30.00}. Again, I was not 30 days late of making the payment but {$30.00} short.
My credit score has dropped from the XXXX to the XXXX because of {$30.00}. Again, I have never been late. I was shocked when I found out what happened to my credit. It has taken me a long time to achieve that score. I am XXXX years old and for {$30.00} my credit will be ruined until I am XXXX years old. Not only has this been a difficult year due to Covid and both my husband and I were out of work for many months and my husband is still only working part time yet we still made our payments.
I really believe that this minor error should be removed given my past payment history and my credit report looks like I totally missed a months payment. That is not what I call fair credit reporting.
I am enclosing the following documents for your review : 1. Annual Escrow Statement dated XX/XX/XXXX ( New payment {$1100.00} ) 2. Interest rate change XX/XX/XXXX 3. Letter from TD Bank XX/XX/XXXX 4. Copies of TD Bank payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 5. Email to TD Ombudsman XX/XX/XXXX 6. Damage to my credit score dropped from XXXX to XXXX 7. TD Banks missed 30 day payment on credit report I sincerely hope that for the minor error in a payment of less than {$30.00} I should not have my credit ruined for years. I am been a customer of this bank for years and this was the first time there was such an error.
Please advise at your earliest convenience.
Sincerely, XXXX XXXX XXXX.
|
| 09/06/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
On about XX/XX/XXXX, I received an instant message stating that I need to contact Cash App because fraud had been detected on my cash app card which was attached to my TD Bank account. I called the number provided ( see email provide to XXXX XXXX ) and was told that I should put in several codes provided by the person to correct the problem and did as I was told. Not realizing that the codes were actually dollar amounts being scammed via cash app and XXXX from my bank account, which actually started on or about XX/XX/XXXX directly through cash app and without my knowledge. Before I realized what was happening the scammers had depleted my entire bank account of approximately {$15000.00} of FDIC Insured cash, leaving me owing the bank. Once I realized that I had been scammed, I immediately contacted the bank ( see email ) and cash app and file a fraud report. I was told by cash app that they were not responsible and could not stop the transactions ( see email attached ) and I was provided provisional credit of the missing funds in about 3 day by TD Bank. On XX/XX/XXXX, I was notified by TD Bank that my account had insufficient funds available and was locked out of my account access. I had not spent the entire provisional credit and should have had {$6600.00} available. I immediately contact TD Bank to obtain information about the issue and was told that they had taken the FDIC insured provisional credit back after review of my claim and that I now owed the bank {$6600.00} and that no transactions would be allowed on this account. I disputed this resolution with the bank and while waiting for the results of my dispute on XX/XX/XXXX, my FederaXXXX XXXX Allotment of {$1700.00} received into the acccount ( see email ), which was not suppose to be allowed, was used by TD Bank to pay off some off the disputed amount. This XXXX allotment should have been returned to OPM ; however, the bank decided that they would do as they pleased after treating me as if I were the scammer who committed fraud on myself. I filed a police report ( see attached ) with XXXX XXXX Police, to investigate the bank and scammers. I am permanently XXXX and need my money to survive. I would like for the CFPB to conduct an investigation, have the bank return my funds, and be compensated for the inconvenience and further deterioration of my mental and physical health XXXX do to their actions.
|
| 05/31/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
This is my 3rd complain regarding TD Bank that does not honor the {$200.00} sign up bonus. I believe the reason given was either technical glitch or fraudulent activity. On the TD Bank respond datedXX/XX/2020 ; the reason why I have been disqualified for the {$200.00} bonus because I made a {$1500.00} transfer on XX/XX/XXXX which was reflected on the Saving Account statement dated XX/XX/2020.
However, I believe that transfer was not made by me. I believe that transfer was either technical glitch or fraud for the following reasons : 1. On the Saving statement ended XX/XX/20, the transaction on XX/XX/XXXX was marked as Transfer FROM Checking Account. It was NOT marked as Transfer TO Checking account.
2. On the Checking account ended XX/XX/20, there was a transaction on XX/XX/XXXX that showed the {$1500.00} transfer from Saving to Checking. However, there was no transaction recorded that show the XX/XX/XXXX transfer from Checking to Saving in the Checking Statement ended XX/XX/2020that is supposed to be synched with the Saving Statement XX/XX/2020.
Therefore, there is no complete synched records on both Saving and Checking statements. Too many errors that are not synch. TD Bank has no strong evidence to say that I was the one that made that {$1500.00} transfer from Saving to Checking account. I believe that {$1500.00} was either technical glitch or fraud.
3. When I first saw those transaction back in XXXX 2020, I believed it was just technical glitched. So, I asked Customer Service through TD messaging system about it. On the message dated XX/XX/XXXX, I was assured that I was still qualified for the bonus despite {$15.00} maintenance fee. Therefore, I let my money stay in TD Saving account and wait for the bonus. So, consideration has been given based on the contract that has been made.
4. TD Bank fail to give me proof that the transfer on XXXX/2020 per Checking statement was really happened and initiated by the account holder.
5. I dont believe I made such a mistake that disqualify me for the {$200.00} bonus. I am pretty good in this type of game. The fact that now TDBank uses it as an excuse to disqualify me to get the bonus that I am entitled to ; that makes me suspicious that the glitch was fraudulent all along as way to trick customer especially the one with immigrants name like mine.
Please send me the {$200.00} check to my home address.
|
| 09/13/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
Servicemember |
|
XX/XX/19, {$460.00} - rental scam. I found a rental on XXXX XXXX in XXXX that was available. They asked if I could send payment through XXXX. I never heard of it. As soon as I looked it up it was actually part of my TD Bank app. I felt more comfortable knowing this since it was part of my TD Bank that this is a trusted site and my bank is aware of the person I am sending the money to. If they didn't know who uses XXXX they would not have them as part of a money transfer company on their app. Even when I typed in the email the person provided, the app was like you mean " XXXX '' because I typed in the email which had XXXX. I trusted TD Bank to protect me as their customer. As soon as I realized I got scammed ( in front of the rental that did not belong to them ), I called TD Bank to stop payment. They said they could not help me that it needed to post first. How could my bank let this happen to me. They are there to protect their customers. I guess it's not their money so they didn't care. We went to the police station right away to file a claim because now we don't have the money or a rental ( took us 5 hours to get there from where we live ). We had to scramble and try to find a rental which was not in our budget but we had no other option. Upon returning home, I called TD Bank and filed a claim. I was told that this would be taken care of and she apologized to me and said I would be credited back the money. She told me to get the police report and fax it to them. Two weeks later I was able to get the police report and faxed it to TD Bank. Three weeks go by and I still haven't heard anything. I called them today and they said there's nothing they can do. I told them it's their fault because I trusted their site and why would they have apps on their site that were not verified. They make me go through hoops when I'm out of town but yet they let anyone set up fake accounts and transfer money??? They are supposed to protect their customers but this is not the case. He rep told me to go to law enforcement and see what they can do for me. I already filed a claim with the MA police department as soon as this happened. This is ridiculous! I will no longer be doing business with TD Bank since they do not protect their customers from fraudulent transactions. That app should not be associated with their site at all if they can't verify the customers that use it.
|
| 08/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/2019 I had a TD bank checking account balance of XXXX with 2 outstanding checks totaling less than 200.00, leaving me with at least 200.00+ in my checking. On XX/XX/XXXX, the automated system said I had a XXXX dollar balance. I spoke to TD bank and this is what happened. XXXX from TD Bank told me that she saw something called " deposit correction '' in my account, and that unfortunately sometimes an employee of the bank puts money in an incorrect account, and that she would e-mail her with copies of my bank statement and the withdrawing of my personal checking and savings account. She told me the person who did this was XXXX XXXX, Teleservice Manager at the XXXX, New Jersey TD Bank. To make matters worse, as I had XXXX in my account the day before, she withdrew XXXX - XXXX from my checking account, and then took XXXX from my savings as I had overdraft protection to total the XXXX. She left me in a dire situation as I could not pay my bills, the 2 outstanding checks were going to bounce so more fees, and the overdraft fee. XXXX gave me the name, number of the employee, her manager and his number, the CEO 's number, but due to it being a weekend, was unable to contact these specific people.
She told me I should contact XXXX XXXX and ask her to refund my accounts, or talk to her manager to help rectify this situation XXXX XXXX at XXXX, and then gave me the CEO XXXX XXXX at XXXX.
I should not have to contact anyone to solve this problem due to an internal error that they made and how am I supposed to figure all this out? And that I need to investigate their system 's internal problem. I have never heard of anyone being asked to resolve this error. She left me in a financial hardship situation as I am on Social Security XXXX and the 2 outstanding checks were going to bounce as well as the fee for overdraft protection, etc, not to mention possibly affecting my credit score which used to be XXXX. I live in XXXX, MA and my TD Bank is in XXXX, MA. I have never authorized anyone to just withdraw money from my accounts. What she did was illegal and she should solve this immediately.
Also, by the way, since that was the exact amount of my mortgage, who I do NOT have automatic withdrawal with, I thought it was my mortgage company XXXX XXXX, so I had filed a complaint with you as I didn't know at the time it was actually from TD Bank and not XXXX XXXX.
|
| 09/21/2016 |
Yes |
|
|
|
Web |
|
|
On XX/XX/XXXX, a cashier at the Target ( XXXX Branch ) at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX completed at Target Red Credit Card in my name, while I was paying for the items in the checkout line at the register. She framed it as a rewards card ( XXXX offers one ), took information from my license ( which was out of state and in XXXX as I moved into XXXX and was n't even a resident ), and entered it into the system.
Months later, I was forwarded mail notifying that I had opened a credit card, charged an amount on that card and Target was attempting to collect a debt.
I went back to the store and have seen numerous cashiers at that Target Branch as well as others to to upsell customers on the " rewards card ''.
In my attempts to clear this up, I had multiple attempts to contact Target Corporate Services between XX/XX/XXXX-XX/XX/XXXX and also found out from other cashiers that management offers large bonuses to employees who " convince '' credit card accounts. In all cases, they said that it was out of their hands and they passed it off to debt collectors.
XX/XX/XXXX, XXXX XXXX executives are being investigated by the Senate for the opening of fraudulent accounts, I truly wish the CFPB, Senate Banking Committee Consumer Financial Protection Bureau and other governmental organizations would investigate the practices of Target and TD Bank US Holding Corporation on the opening of Target RED Card at checkout stands to see if there was a more systematic program in place by executives.
Allowing a financial product to be sold at a checkout point where cashiers can demand access to personal information such as a driver 's license, and get access to personal things such as a signature to be used for very powerful things should simply be banned as fraudulent activity such as this happen. Target and TD executives should also have their emails reviewed for any systematic program to provide bonuses on the opening of RED Card accounts.
Please see all problems with the RED Card accounts.
XXXX As a resolution, Target has a Guest Services desk at the minimum and all financial products should be required to be verified there there with proper paperwork upfront provided on paper instead of through any checkout flow where it is prone to misuse by its cashiers. Anything not opened there and through the cash register should be closed, and all credit claims stopped.
|
| 03/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My credit rating went from XXXX to XXXX. Upon requesting a copy of my credit report, I discovered 7 accounts on my report that I did not open and was unaware of. Six ( 6 ) of which were opened within a 3-month period in XXXX between XXXX and XXXX An adult relative received promotional pre-approved offerings via email and postal, and in each instance the offer was personally addressed to them. The recipient applied for the offers based on an acceptance code in several instances, providing their personal info, not knowing or expecting any connection to my credit report or SS #.
XX/XX/XXXX - My low interest rate credit card was cancelled due to my credit report. I requested copies of my credit report from credit reporting agencies and found 7 accounts that I did not open or request.
XX/XX/XXXX - After receiving and reviewing my credit reports, I contacted Experian by phone to dispute accounts and explained what I believe transpired.
XX/XX/XXXX - XXXX completed dispute XXXX XXXX was removed from my report {$1000.00} XXXX XXXX removed from my report -- they were also contacted directly by me prior to contacting XXXX {$6800.00} XXXX/XXXX XXXX - they said they reported accurately {$1000.00} XXXX/XXXX XXXX - they said they reported accurately {$540.00} XXXX/XXXX XXXX - Closed but referred to collections so I initiated new dispute against the collection agency XX/XX/XXXX {$800.00} TD Bank US Target - Initiated another dispute XX/XX/XXXX {$510.00} XXXX/XXXX Retail - This was previously closed for inactivity and no late payment activity, but not removed from my credit report. {$0.00} ( I also called XXXX XX/XX/XXXX but was not able to get it resolved and removed from my credit report since it technically isn't in my name, but the relative 's name! ) XX/XX/XXXX XXXX/XXXX -- I contacted them to explain the discrepancy and to ask them to remove from my report, but although they have my Soc Sec # tied to the account, they won't talk to me because it's not in my name. They will not tell me ( or may not know ) how my name got tied to the account and who was the database source of the promotional offering that they solicited the relative with.
XX/XX/XXXX - Attempted to remove the relative 's name, addresses and phone # 's from my credit report under " known as '' or " other addresses '' or " other phone # 's '' but apparently I can't do that either.
|
| 06/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
Dear Sir/Madam : XXXX 2015 I applied for a mortgage at your XXXX Branch located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I received a pre-approval letter for {$200000.00}. A few days later my offer was accepted for a property located at XXXX XXXX XXXX, XXXX XXXX. I then went to your branch and together with XXXX XXXX XXXX, I filled out an application at this time I was assure that my loan will go through. One week later, something had happened to my application and we had to re do it. Once again I was assured that everything looked good and the loan should be approved. Therefore, I order an Inspection of the property. A few days later, XXXX XXXX said to me that there was an issue with my debt to income ratio because of my property in XXXX, XXXX and that the lease for {$2400.00} starting 3 days after the schedule closing of the property in NH could not be accepted because of no history of payments. XXXX XXXX called the Mortgage support group and explained that the reason there was no history of payments was because the lease was knew. The mortgage support team told XXXX XXXX that it would be XXXX. then. Once again I was reassured that everything was fine and to go ahead with the inspection. Then on XXXX XXXX, I received an email that was sent by the underwriter to XXXX XXXX that my mortgage had been denied. I asked XXXX XXXX to speak to the underwriter and find out the reason. The underwriter told XXXX XXXX that it was the debt to income ratio. The underwriter had not accepted the lease for the property in XXXX. I asked XXXX XXXX to speak to the underwriter again since the mortgage support team that assured him that the lease would be accepted. The underwriter went to her manager and there was no hope. I received the letter of denial.
Not only did I waste time but also money and XXXX. Someone dropped the ball at your bank and the least your bank should do is reimburse me for the inspection report charge of {$510.00} ( it included a Radon test ).
Thank you for your consideration I would like to continue doing business with you and keep my account with your bank depending on your reply.
XXXX XXXX offer to reimburse {$100.00} to which I said no since the least they can do is reimburse the total of the Inspection charge. I went to the XXXX Attorney General and their office directed me to go to you.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 11/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
My bank, TD Bank, NA attempted to take 3 minimum payments from checking account in 3 consecutive days beginning XX/XX/XXXX. Both my credit card and my checking account are with TD Bank, NA. My credit card ends in XXXX and my checking account ends in XXXX.
I has set automatic monthly payments for my credit card from my checking account. On XX/XX/2023 TD held {$270.00} from my checking to make payment to my credit card.
On XX/XX/2023 TD again held {$270.00} twice. For a additional total hold of {$540.00} even though the payment and hold was successful and posted from XX/XX/2023 I contacted TD and they could not given reason for these 3 separate holds and payment attempts. They assured me they would not process the 2 additional payments and the holds would be removed.
On XX/XX/2023 one of the two additional payments was posted to my credit card account and deducted from my checking account. There was still an additional payment in the amount of {$270.00} being held from my checking acco unt. I contacted TD Bank again and was promised they would not take the 3 duplic
ate payment, would release my funds and also would reverse the 2nd additional payment back to my checking account within 5-10 days.
I stated they were denying me free use of my money and the additional wait time to return funds that I did not authorize was unacceptable. They had for all intents and purposes stolen my money and had denied my use of it.
On XX/XX/2023 they did return {$270.00} to my checking account, but then charged me a fee of {$0.00} and another fee of {$0.00} and listed them both as NSF PAYMENT ADJ I was told NSF stands for Non Sufficient Funds. I never had non sufficient funds ever! Why am I being further harmed y these additional charges for their mistake? Why are they enriching themselves for their errors.
This will be listed in my statement and will cause irreparable harm to my good name and financial standing.
I do not feel they are entitled to hold up my money and also charge me fees to give it back to me.
They will not answer my questions and they will not compensate me for the time I was denied access to my funds. Additionally, they offered to waive the fees, but this indicates it was my fault and could harm me in the future if I should ever need a fee waived due to my error or mistake.
I have screen shots of my accounts to prove my side of this complaint.
|
| 02/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
XXXX XXXX I got a notice from ID Notify that my social security number had been found online. I talked to ID Notify and place 1 year fraud alerts at XXXX, XXXX, and XXXX. I filed a police report as well as a report at ssa.gove. I didn't think much of it after that and felt like I had done what I needed to do. Fast Forward to XXXX .... XXXX. In XXXX, I got a package of checks, a debit card, and an account statement for an account at TD Bank. This account was in my maiden name with current address and old phone number. XXXX. I called and asked them to close the account but never received confirmation. XXXX. I called their fraud department to confirm account closure. I never received written confirmation and was told I would not since I " did not open the account. '' XXXX. Following this incident, I placed a security freeze AND 7 year fraud alert at the following places in XX/XX/2021 XXXX XXXX XXXX ( only 1 year due to error* ) XXXX XXXX XXXX XXXX XXXX lost my paperwork for the 7 year fraud alert, so there is only a 1 year alert. I sent it to the address on the form and when I called to confirm, they said I needed to send it to a different address. The XXXX fraud department says to mail paperwork to XXXX XXXX XXXX but the global consumer service dept says to mail the forms to XXXX XXXX XXXX ( same address on the extended fraud alert form ) I called 3 times, and no one could ever help locate my paperwork and they don't have a system in place to even address that, and I never got consensus on the correct address. At the same time I mailed the XXXX paperwork, I mailed XXXX and XXXX with no problems. XXXX. I also placed a 5 year opt out of all offers for credit cards and loans and insurance at optoutprescreen.com. XXXX. I worked with a " Restoration Officer '' from XXXX. She confirmed I had taken all the necessary steps. XXXX. Now, XX/XX/XXXX, I received a second packet of checks for TD Bank with a different account number... I called and asked them to close it. They said they did and that they " filled out a report '' but they can not give me any written confirmation " since I did not open the account. '' I don't feel confident that either accounts have been closed, as I have not received confirmation. I also am very surprised that with all the precautions I have in place TD Bank would even allow for an account to be opened in my name without confirming.
|
| 12/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
On XX/XX/XXXX my credit card charges on my TD credit card were declined. I called in to validate and determine the issue and they assured me it was resolved as they verified me with my phone number. The following morning my card was once again rejected, I called back and was unable to authenticate stating they had a different phone number on file even though my phone number has not changed. The agent said only option is to fax documents over including XXXX forms of ID ( no need for SSN ) and a utility bill. I asked them how long this would take as I needed the card and they told me if I send to this fax number should be within 48hrs. I did it right away and want to fedex office and paid to get faxed. I called back and they said they didn't receive and not to use the fax number I was provided and instead use a different one. I was confused and went ahead and faxed it in to new number and then called back in 3 days. They said they received it and now said they need my SSN even though initially I was told its not needed and once they have that it will be approved in 2 days. I called back in 2 days and they said there's no update and to call back in a couple days. Each of these calls had a hold time of 1-2hrs ( not exaggerating ) and so I did. This happened 3-4 times and they said there's no update, I even faxed my original credit card application to show there's only XXXX phone number and its never changed. It's been more than XXXX months and since I'm unable to access my account and have e-statements I can't see details of past transactions or balances yet I'm still required to pay it on the due date. In addition my utility bills that are on automated payments have bounced back and I'm allowed to redeem my rewards. When speaking to customer service they say all information I provided matches the account and there's no reason fraud department can't unlock it. They even transfer me to fraud departments saying it's all validated and I'm then told fraud department and customer service don't use the same phone number on the account and I simply couldn't understand that. TD fraud departments seems to added a phone number to my file without my knowledge and now I'm locked out for no fault of mine. I've invested so much time trying to resolve this but only had run around and they even state they'll call me back but have never done so over the 1 month period.
|
| 08/04/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
In XX/XX/XXXX I opened a checking/debit and also a savings account at TD Bank. The two accounts were linked and were supposed to draft from the savings if the checking/debit had insufficient funds. Well my wife went into labor and we had a new baby girl. When the whirlwind of that process died down. I checked my TD Bank balance as I believed I may be close to depleting the checking/debit balance.
What I found were multiple {$35.00} fees for overdraft near {$200.00}. They also manipulated the sequence of purchases to maximize the {$35.00} fees ( ie ; {$1.00} for a coffee was moved to cause a {$35.00} fee before new funds were added. Furthermore, the accounts were supposed to be linked, I had the money to cover every single purchase I made, in my savings account.
What happened next was even worse, the customer service reps gave me the run around for weeks. Finally as supervisor told me only a branch manager could reverse those fees. I went to the XXXX, MA. branch on XXXX XXXX. Despite my explanation the manager only refunded {$30.00}.
Feeling defeated and facing 30 days I paid the fees even though I knew I wasnt liable for them.
Two years later, I received a letter from TD Bank stating that a third party audit found that I wasnt liable for the fees!! Included in the letter was a check for what I paid plus interest. Great, I thought case closed they realized their error and made it right. I threw out the file of logs and paper I had proving my case.
Turns out that around that time in XX/XX/XXXX TD Bank reported me to the XXXX as Flagged for 1. Overdraft 2. Account abuse. As a result I was declined in opening an account for my now XXXX year old daughter. Apparently I would have been declined if I tried to pay for groceries via check or tried to cash a personal check somewhere other than my bank.
Even though they reported on XXXX that the account was paid in full it also said, charge off.
I called TD Bank got the run around and was finally told we have no record of you being paid back the fees or any letter sent. They then went on to say they dont have the authority to make changes on the XXXX. When I asked for a supervisor who did have the authority they said my only option to speak to one is a callback within 24hrs. I left my number and sure enough, they never called. Im not sure what else to do and hope that your office could help me, please.
|
| 01/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Received a letter from TD Bank on XX/XX/XXXXstating that I was {$34.00} short in my XXXX payment, and needed to pay by XX/XX/XXXX to avoid late fees.
I called TD on XX/XX/XXXX and paid the {$34.00} over the phone. I also told the TD Rep, XXXX XXXX, that the letter had arrived after the payment was already due. Furthermore, I pointed out that every other mortgage company I've ever dealt with has sent a letter to let customers know when the monthly payment changes, and has done so once per year, at most. TD has now twice changed the monthly amount due within a 12 month period, and did not send a letter either time. I have automatic payments set up, and I don't change them until I receive a letter that the amount due has changed. I asked that Mr. XXXX put in a request that the late fee be waived.
Received a statement in XX/XX/XXXX showing that I now owed over $ 10K because my late fee made my payment inadequate, so that 2 months of payments were in unapplied funds now. I called TD and in the course of the conversation, it became clear that the {$34.00} I had paid was not applied until XX/XX/XXXX, even though TD claims payments are applied in one business day and I had paid on XX/XX/XXXX, a Tuesday. We were told that the fee of {$190.00} had been waived, and everything should be OK now.
Received at letter dated XX/XX/XXXX stating that we still had not paid {$34.00}.
Called again and were told that everything was ok and that there would be no more fees.
Received a statement saying that we owe {$5200.00} including a new fee of {$190.00}. Furthermore, the unapplied funds were seemingly due to this newest late fee.
Called TD Bank today ( XX/XX/XXXX ) and spoke to XXXX XXXX who says that different systems are showing different information for our account and she will send the matter to research. She offered to update us next week.
In short, TD Bank continues to delay applying funds and then to charge late fees, which then cause the next month 's payment to be considered a " partial payment '' which results in funds not being applied yet again, and more fees. It is a vicious circle that benefits TD and swindles the customer. Trying to resolve this with TD only results in long wait times on the phone, more conversations that lead us to believe everything is settled, and then additional letters and statements telling us that our payments are deficient.
|
| 12/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
I had an XXXX XXXX credit card issued by TD bank for several years as my primary credit card. When the card was an XXXX XXXX credit card, I received their mail including new credit cards and statements. So for several years my address worked fine. Then the card switched then from being XXXX to a TD cash credit card and an issue with my address occurred without me changing any information.
When the switch occurred, TD bank made an error with my address, which made it so I no longer received any mail from them including the new credit card and statements. Therefore, I received no paper statements of what I owed them through the mail. Also with no credit card number, it is impossible to setup an online account or go through the forgot my username/password link. The only communication I had was an e-mail saying I owed money to a credit card I never saw. In the e-mail, it said If you have any questions, please call us at the number on the back of your credit card., which is impossible for me since I did not receive a credit card because of TD bank. I had tried to login to the site using my previous credentials for the XXXX banks credit card site. After that did not work, I assumed that I had just fallen for a phishing scam, because I had no evidence that I actually was issued a credit card from TD bank.
With no way for me to view either paper or electronic statements, because TD bank messed up my address, they started to charge me late fees for reoccurring payments on a card that I had not received, activated, or used. I noticed in the spring of 2020 that my credit score had been lowered and after checking the report that I had late payments on a card I had not seen. When I called TD bank on XX/XX/XXXX of 2020, the person on my phone told me that their system showed that my mail was returned, so I had not received the credit card or statements through no fault of my own. If the address I had given was incorrect then I would not have received mail for several years while this card was an Ally bank credit card, which was not the case.
I have filed a dispute with TD bank stating the above, and they responded by erasing my balance, but said the record of late payments would stay. I also tried to dispute the late payments through the credit agencies, but they only removed the last late payment, since TD bank had cleared my balance for the last month.
|
| 09/25/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
TD bank holds account deposits for an long time, they do not allow the money to be available to you according to their policy, their policy states that the first XXXX would be available and the rest of the amount up to XXXX will be available the next business day. This isn't case, they do not deposit checks in a timely manner, they will then clear a check and post it to the account to reflect the same date as deposit while adding additional fees. Our accounts have suffered numerous over draft fees because of them holding checks on an existing account through them for over a year. The deny cash with drawls on the accounts along with Not processing checks- I have had to call in a panic because the funds have taken an extensive amount of time and i was unable to get my medications. I have tried to reach for a resolution with them and i have not gotten anywhere they refuse to change any of this and consistantly blame this on the " Back Office '' stating they dont have control- They have also Made " Authorized phone transfers from one account to another with out speaking with my husband or i they jsut removed money from an account with out our permission. ) we never authorized a phone transfer to clear account from being negative as i was waiting in your company to release my funds. MY ACCOUNT wouldn't have been in a negative state because of your " polices '' THIS IS FOR ALL 3 accounts that are listed on this complaint. I want all accounts to be combed though and all fees returned. as your poor business has cost us a lot of hard ship.
I would like this investigated ( this bank TD bank has had numerous Class action lawsuits against them for excessive fees ) I believe what they're doing is illegal and i would like a proper resolution fees and penalties and money returned.
An example would be deposit on XX/XX/XXXX XXXX XXXX not available- on XX/XX/XXXX XXXX was added for over draft. but the account wasn't over drawn. once the check cleared it reflected the XX/XX/2019 date.
statements and notices are attached. this has been going on for a year. you will be that the fees are not for out fault but for the company as these charges were cleared.
they decide what to pay and when to pay it on their terms so see how much they can make off of a fee. they will deny a XXXX transaction but they will approve 5 small transactions so they can assess more fees.
|
| 05/21/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I opened a TD Bank Preferred Savings account on XX/XX/XXXX with a promotion I received in email. The promotion mentioned at several locations that the Savings account would have 2.50 % APY guaranteed for 12 months with the following conditions : " 1. Be a current TD Bank Customer who received the TD Preferred Savings introductory rate email 2. Open a new TD Preferred Savings account online between XX/XX/XXXX and XX/XX/XXXX 3. Deposit and maintain a minimum of {$20000.00} but no more than {$990000.00} in new deposits in your TD Preferred Savings account. New deposits must be funds not currently held within a TD Bank retail deposit account.
4. Link an eligible account. '' It also mentioned " Offer is limited to one TD Preferred Savings account per Customer who receives the Introductory APY email. The Introductory rate is valid for a limited time, guaranteed for 12 months from account opening date ( Note 2 ), and applies only if the daily balance of at least {$20000.00} but no more than {$990000.00} is maintained. " and Note 2 says " 2. Promotional rate is guaranteed not to decrease during the first 12 months from account opening. Rates may increase during this time. '' I met all the conditions and earned the 2.50 % APY from XXXX XXXX to XXXX. XXXX. From XXXX. XXXX, my interest rate dropped to 0.5 % without any notice. I discovered it near the end of XXXX. and contact customer service many times trying to resolve it, but got many different answers and theories. Someone said it was an error and they will adjust it for me, but it never got adjusted. Someone offered a theory saying that because I had only 2 transactions in XXXX in my checking account, I was not qualified with the interest rate, but my interest rate will come back to 2.50 % APY in XXXX since I had 3 or more transactions in the checking account in XXXX. This theory is contradictory to the many rate guarantees stated in the promotion. Even the system is actually working according to this theory, the promotion is very deceptive. Moreover, in XXXX I found my interest rate did not come back to 2.50 % APY, and customer service offered another theory that since I did not have 3 or more transaction in XXXX, the 2.50 % APY is gone forever. This is again contradictory to their previous theory as well as the promotional offer.
Attached is the email promotion I received and my bank statements.
|
| 02/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
On the nite of XX/XX/XXXX, I made an {$1800.00} ( or possibly {$1900.00} ) deposit into the ATM in the XXXX NY branch of TD bank, ,for my account # ending in XXXX ( my corporate account ) and I did not complete the transaction fast enough.
ATM kept my money and ATM card.
I called and filed a dispute about this problem ( and also a similar problem I had with another account ( acct # endingXXXX, -- my personal account ) at this same ATM on XX/XX/XXXX. I did not know the exact amount of that deposit. I was told that in order to file a dispute, I needed to.provide an amount so I said {$300.00} though i made it clear i did not think it was {$300.00}.
The person who took this complaint filed both disputes as part of the XXXX account instead filing the XX/XX/XXXX dispute for the XXXX account and I believe this has caused massive confusion.
I never got my {$1800.00} and I have refiled my dispute 3 more times -- total 4 times.
Each time I call, the bank treated the dispute as a new dispute, and tells me that I will get a letter in 10 business days -- we are at 36 days and counting at this point TD has a dispute department but company policy is such that.the department will not take calls, so I keep explaining what happened to customer service agents who I understand just have a screen with a an small amount of space to explain the situation to the dispute dept and I am sure the space is inadequate to explain what happed.in my case TD has video cameras so I'm sure they can see I put in the money but as I understand it, the ATM is actually handled by an outside company and I dont think there is adequate communication or cooperation between the bank and the outside company.
I want my money and if I do not get it soon, I'm going to take the bank to small claims court. This is my final attempt before I file with the court, so you should advise them to keep their video and all their records, which I will subpoena, if I don't get my money ASAP.. Once I go through the trouble to file the complaint and prepare the supbeona duces tecum , I will not withdraw it.
I point out that I never used an ATM before covid and this is about my 5th -- all but one of which were specifically with the TD XXXX ATM -- problem with ATM deposits and bank personnel at the branch Iindictate they are trying to get the ATM replaced because it gives them a lot of trouble.
|
| 05/11/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
In early XXXX, A person used my bosses email to scam me for gift cards. Said it was for rewards and that he was in a meeting so I couldn't call. I just started a new job so didn't want to XXXX off the boss so did as he asked. I recognized his name as well so again just did what was asked.
Went and bought {$2000.00} with a debit card into XXXX gift cards and sent him/her picture of the cards.
Dad came home who is close friends with the boss and asked what I was doing. Told him and he called the boss and that's when we realized it was a scam. We called XXXX to Cancel all the gift cards as I have them physically. We gave them the long front digit code, the passcode on the back, the time and date purchased and the location. Even called TD bank to cancel the DEBIT CARD not my ACCOUNT because I didn't know if they could get my debit card as well. Was just scared of losing all my money.
Have had HOURS of conversations with XXXX and my bank ( TD ) on getting this resolved.
XXXX did a full investigation and have in their records that this was fraud as it was misinformation for manipulation. You can call the XXXX verification payment number @ XXXX and give them the Customer Id # of XXXX. They have a record of every time I called.
On XX/XX/XXXX XXXX completed their investigation and found fraud did occur as they saw where everything was being shipped and it was no where near me. They canceled all the gift cards and REISSUED my {$2000.00} dollars back to my OLD debit card. They issued what TD bank calls a " pending Refund '' that requires an authorization code. But since the card is canceled their Merching services or the " Visa Middleman '' is rejecting the refund instantly because the card is canceled.
This is where all these problems have been occurring.
Over the past 2months I've been calling and every time they push the problem on each other. TD bank says their hand are tied because its a pending refund and they never received a dime. XXXX is saying they sent {$2000.00} out and its out of their hands as well.
I still have the original debit card that was canceled. I have the ORIGINAL bank account number as I never canceled that. I have all the gift cards, the receipts, everything. I just want to get my {$2000.00} back. I am getting close to getting a lawyer and just taking them to small claims court. This is near my last line of hope.
|
| 02/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I had filed a complaint a few months ago about my bank.
Back in XXXX and XXXX and XXXX of 2021 my bank account was hacked by someone and I had noticed it in XXXX. I had filed many disputes from XXXX till XXXX possibly into XXXX and I had filed a police report about it in XXXX. Due to not having all of my bank statements they had made a report for over XXXX $ which all together XXXX $ was the whole total. The bank had told me that it was not fraud and it was authorized when it wasnt. It was and is fraud. Once I had noticed it I had called right away. Ive gone into the bank in late XXXX all the way into XXXX mid XXXX to file another dispute to try to get my money back that was stolen from me and the women whom I spoke with said she had filed another dispute and when I had called customer service they said there wasnt an open case. Which there should have been.
XXXX $ was stolen from me out of my savings account into my checking account which was taken from cash app. To 3 people who I have no idea whom they are. ( sherod young, XXXX XXXX and a XXXX psychic. ) Ive contacted a lawyer and the police department about all of this and I still have yet to receive my funds back nor heard from anyone about this on going issue. All I want is it solved and my money back that was stolen from me and my children. Im filing this complain and will be filing with the treasury of banks and with the state attorneys office and the USA department of treasury to see what else I can do to get my funds back. The funds that were stolen I DID NOT AUTHORIZE for cash app. Ive contacted cash app and they have nothing for protection and had told me to contact my bank and get help that way. I had letters from the bank stating that they had looked into it and seen that fraud wasnt a factor and I contacted them again to talk to someone about it and XXXX has contacted me to talk to me about it. Ive been waiting since my last dispute to speak with someone and no one from td bank has reached out. Im a single mother of 3 kids and I work very hard for my money to support my family and for my bank not to help me and get my money back for my children is disgusting to me. Td bank lets people steal money from people and let them get away with it and blame the person whom is fighting to get there funds returned when its not the persons fault. They should be ashamed of themselves.
|
| 12/14/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I was charged in double for XXXX XXXX XXXX insurance for my phone. I didn't realize that it was going on for a year. When I did realize the issue I contacted XXXX XXXX and was told I would be receiving a refund of {$220.00} XX/XX/XXXX. I never received the refund that was sent by check. I have contacted XXXX for months regarding not receiving my refund and have gotten the run-around. I have attached the statement that shows that they intended on refunding me the amount. And below are the multiple phone attempts I made to try to receive a refund.
Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX Spoke to TD Retail XXXX I was told to call XXXX XXXX XXXX that handles XXXX XXXX and they said they sent out a refund check XX/XX/XXXX for {$220.00} but I never received it. XXXX said it looked like the check was cashed. I told XXXX I went through my bank account to verify that I hadn't cashed it and forgot. I asked XXXX if she could request a copy of the cleared check to verify who signed it and cashed it. XXXX said she would contact the back office and look into what happened and get back to me.
XX/XX/XXXX Called back for status update spoke XXXX according to her she was getting this escalated, she didn't see any notes from my previous conversation with XXXX, and get a refund in XXXX business days XXXX # XXXX XX/XX/XXXX Spoke to XXXX regarding XXXX # XXXX and she said the back office is looking into my refund they sent out for an update on XX/XX/XXXX and did not receive a response so they are emailing again. I was told to call back Friday with new ticket # XXXX to check on the update.
XX/XX/XXXX Called XXXX XXXX XXXX XXXX Spoke to XXXX who was reaching out to the back office to see if there was any update. She said the back office spoke directly with TD Retail card services and they said the check was cashed. I told XXXX that I had previously requested a copy of the cleared check to be sent to me. I went through all my deposits in my bank account and saw nothing for this amount. She said I should contact TD Retail card services directly XXXX. I mentioned that I received a letter on XX/XX/XXXX from TD Retail stating that they were notified that some electronic correspondence was unable to deliver because the email address on file was incorrect, invalid, or correspondence was flagged as spam. I have NEVER reached out to TD Retail stating such.
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| 10/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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As described in multiple phone calls and a detailed letter to TD Bank, someone who had stolen my credit card information purchased a laptop computer from XXXX XXXX, charging {$950.00} to my credit card with TD Bank. When I received an email from XXXX XXXX on XX/XX/2021, that the laptop was ready to be picked up, I immediately called TD Bank and notified them of the fraudulent charge. They canceled the credit card number and sent me a new one. I asked them whether I needed to call XXXX XXXX, and I was told that TD Bank would take care of that. In a letter dated XX/XX/2021, which I received by regular mail several days later ( I XXXX XXXX XXXX on XX/XX/XXXX, so I may not have picked up my mail immediately ), TD Bank told me they were closing the dispute they opened on XX/XX/XXXX, because the item had shipped to my home. This was not true, as the information TD Bank had received from XXXX XXXX established : it said that two free items that were supposedly shipped to my home ( I ever received anything ), not the laptop computer, which was picked up at the XXXX VA store, about a two hour drive from my home in XXXX. I followed up with repeated calls to TD Bank to explain this. TD Bank has created more than barriers to communication. They have created barricades to communication. When I and my father have called, repeatedly, we have been told that a request to reopen the investigation has been submitted, that we can't talk to the investigators who make the decision whether to reopen the dispute, that a supervisor will call us back ( none has ), and that the dispute is closed so we have to pay the full credit card bill ( due tomorrow ; of course, we are willing to pay the credit card bill except for the fraudulent charge for the laptop computer ). We asked for a street address so we could send a complaint and confirm receipt ( we wanted to confirm receipt because TD Bank 's attention to this matter has been sporadic and unhelpful ). We were given a post office box and a facsimile number, and were told there is no street address where we can send the complaint by XXXX XXXX ( none is listed on the credit card agreement or the credit card, either ). We attach the letter we sent, providing more details. At this stage, all we are asking for is that the dispute be reopened so that we are not liable to pay the charge or to be assessed interest charges.
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| 05/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I had filed a prior complaint with CFPB and I had a rebuttal and appeal to TD Bank write up. TD bank had no solution - See Complaint XXXX. I will like the resolutions in order to move on and also have TD Bank fix the 2 issues. 1 ) I want to pay the XX/XX/XXXX and XX/XX/XXXX mortgage payment expeditiously and right away from my online bank account. which belonged to XX/XX/XXXX and XX/XX/XXXX. That should take care of the 2 deferred payments owed. I have offered to pay TD bank several times and so far TD bank has not accepted the offer.
2 ) I want TD bank to remove the term 15 mortgage off of all the credit bureau reports expeditiously and replace with my actual mortgage term 30 years and the comments Loan modified under a deferral program. I have filed disputes with XXXX, XXXX and XXXX since the terms on the credit bureau report for TD bank is incorrect. Each credit bureau, banks and companies have label those comments to be negative except TD Bank. Comments field should be left blank since I pay my bills on time and I was erroneously added under Natural Disaster since TD Bank did not have a plan for furlough employees 3 ) On the loan modification on file with TD bank, I want TD bank to put on file that this was due to the XX/XX/XXXX to XX/XX/XXXX United States Federal Government Shutdown. And that I was a federal government furlough employee. And also that TD Bank had participated in offering federal government employees temporary payment extension. TD bank said these thing on XXXX social media and news media.
The money had previously belonged to the XXXX and XX/XX/XXXX payment extension during the XX/XX/XXXX and XX/XX/XXXX united states government federal shutdown where 800,000 federal were furlough.
So far TD bank has no plan, or no solutions. I am not going to let TD bank ruin my credit, my professional life or my personal life. TD bank has not consider anything and their main comment is '' Sorry, we can't do anything ''. I never missed a payment in 18 years. I will like TD bank to come to the table on these solutions. I will like a manager, director to handle this matter and not just a rep that has no authority. I have been unable to speak to a manager or director at TD bank for 2 years straight. Please ensure that TD bank gets the request to their management so that we can start fixing these issues.
Thank you XXXX XXXX XXXX
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| 12/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I started a refinance on XX/XX/XXXX. I have subsequently had to have the rate extended 6 times because TDBank failed to complete steps on their part for the subordination agreement. They first filled it incorrectly according to XXXX, then sat on it for a few weeks and then subsequently didn't know who at TDBank needed to fix it. Two of their internal employees went back and forth for 3 days starting XX/XX/XXXX with me on the email thread trying to figure out who from TD bank needed to what steps and then they both went unresponsive. My last email from them was on XX/XX/XXXX.
I then tried for several days to get a hold of someone at TD Bank and escalated to the individual managers and heard nothing from any of them. I finally had a manager ( XXXX ) reach out to me XX/XX/XXXX and they told me they would expedite it. They reached out to me again on XX/XX/XXXX and told me they should be able to get it close by following week. They then stopped updating me even after I sent multiple emails. The then had someone else finally reached out to me on XX/XX/XXXX saying this might take a couple of months. I have since been asking for my refund and can't get anyone to email or call me.
Here are the list of people I have attempted to work with at TD Bank : Loan Officer : " XXXX, XXXX XXXX NMLS XXXX '' XXXX Manager : XXXX Manager : " XXXX, XXXX XXXX NMLS XXXX '' XXXX Manager : XXXX Manager : XXXX I believe my only costs so far is {$22.00}. I have spoken to TD Bank twice on phone in past 4 weeks and they said only the people listed above could approve the refund and they would pass along the message. I have also asked them several times and gotten no responses. I do continue to get rate lock extensions documents to sign every few days and requests for update information such as paystubs because the ones I have already provided several times are outdated.
At this point I am working with another bank on my refinance. TDBank service motto of " Legendary Service '' is terrible and I think each of the folks above, specifically XXXX, XXXX and XXXX should be terminated because they are incompetent. I will not do business or recommend TDBank to anyone because the company does not have a process by which customers can raise concerns. They unfortunately rely on their managers to do the right thing but that would assume they aren't hiring incompetence.
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| 09/21/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I opened a online checking account with TD bank. Other than routine disclosures that I could print off, I was not provided with a signature card or any additional disclosures regarding check holds or access to funds. They advertise that they clear checks in one day. I deposited a {$500.00} work expense check through mobile banking thinking it would be available the next day and instead they put a 12 business day hold on the check and did not notify me of this either at time of deposit or afterward. I would never had deposited it otherwise. I had to contact them to find out what was going on. Since it was my work expenses and I absolutely needed the money for work, I did something I never do and re-deposited the check in my other bank where it cleared overnight. I knew that it would bounce back to TD and I would have to cover it, but since they had never notified me of their additional hold policy it was really their fault. As I thought, the check bounced back to TD. I had my wife go in on XX/XX/XXXX and deposit a {$2500.00} check to cover the amount that bounced back and show my good faith by putting additional money in. I found out after that deposit that once again they had put a 12 business day hold on the check, that once again I was not notified of at time of deposit nor afterwards. I went in to close the account out and even though the funds were showing as completely available via their website and mobile app, that was when they told me there was a hold on it. They told me I could not access it until after XX/XX/XXXX. I inquired with the bank the check was written from and informed that the funds were transferred to TD bank on XX/XX/XXXX. I just inquired today with thier online banking department if the hold was released and I could come in and close out the account and was informed that the hold is still on my funds. I am very irate. Especially since none of these holds or polices were ever communicated to me either by teller, email, text, nothing. TD was also upset because I did n't have a signature card, well they never sent me one to sign!!!! How is that my fault? They blame thier ineptitude on me and call me suspicious. I think what 's suspicious is thier business practices or lack of them. I just want to close out my account and get my money back and I ca n't even do it after they have had my money for almost a month.
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| 08/15/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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Web |
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On XX/XX/XXXX Target Card Services called me an said " this is an attempt to collect a debt '' I said " first off I did make a payment on the XXXX of XXXX, it was not the minimum amount due but I paid {$200.00} ''. I then told the representative that " Without Fail '' I would pay the {$320.00} due on XX/XX/XXXX as that was my payday and I would pay online. She said she'd make a note on my file. I paid {$320.00} via online on XX/XX/XXXX. On XX/XX/XXXX I was checking my account and noticed I was short money. I noticed Target Card Services had taken another {$320.00} out of my account on the XXXX of XXXX via a check they generated without my permission. I also received a letter on the XXXX from Target Card Services thanking me for my phone payment on the XXXX of XXXX. I never called them on the XXXX, they had no right to take a payment out again, especially via a generated check created by them or TD Bank. I called Target Card Services right away to rectify the situation. The representative I spoke to did see the 2 payments and said they would put in an investigation to the double payment and get back to me. He said it could take up to 60 days, most likely not but it could. I then called XXXX my Credit Union and explained to them what happened. I was switched over to the Fraud department and put in a claim. The representative did say she had never seen a check generated like the one Target put in for the payment before. I signed e-documents and the Credit Union put in a fraud complaint to Target. My Credit Union put the money back into my account on the XXXX of XXXX and said I did not have to do anything else, that XXXX would handle everything with XXXX. I received an email from Target Card Services on the XXXX saying they returned my E-payment. As I checked my Target Account they charged me a {$30.00} return fee and {$1.00} interest charge. I called Target Card Services on the XXXX and spoke to XXXX the supervisor of Card Services and he took those fees off my account. This whole issue had me stressed because I didn't know how long it would take to resolve and I had bills to pay with the extra money they took out of my account. I also think this is considered check fraud. I never gave any kind of permission for anyone to create their own check against my account to pay a bill that needed to be paid or in my case was already paid.
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| 08/25/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/XXXX, I paid for a good that was never delivered. I found out the good would never be delivered a day after paying for it as the seller stopped responding to me and showed upon further research on a list of known bad actors. On XX/XX/XXXX I alerted my bank ( TD Bank ) to file a dispute. They started a claims process, and credited my account provisionally.
This claim was ultimately reversed on XX/XX/XXXX, 62 days after the charge was made.
I called the bank several times over the next few months to get insight into what happened. In one conversation, the agent made clear that the charge had been erroneously flagged as fraud, rather than as a dispute for goods undelivered. She suggested I file a police report and fax my statement and relevant information to the bank 's claims department, which I did on XX/XX/XXXX. I heard nothing, but assumed another few months time may be warranted, given the last review took 62 days of silence and waiting.
On XX/XX/XXXX, after giving the bank ample time, I called again. The fax had not been reviewed, and a new corrected claim had not been opened. I had to speak to yet another agent, who resubmitted the claim, presumably correctly, then fax the forms again. I was re-credited on XX/XX/XXXX. I was then later asked for further information, which I provided in detail on XX/XX/XXXX. This suggests that content, not timing was the issue.
On XX/XX/XXXX, I received a letter stating that " The customer must notify the bank of an error, orally or in writing, no later than 60 days after we send the periodic statement. '' I notified the bank far sooner than 60 days after receiving a statement, I notified them 3 days after the charge in question. Moreover, I could not have notified them that the dispute had been mishandled within 60 days of the charge in question, as the rejection of the claim was submitted to me 62 days after the charge was made.
Upon speaking with an agent on XX/XX/XXXX, his admission was, 'The only reason that we weren't able to credit you is the 60 day window elapsed. ' I could not have observed the 60 day window if I wanted to, due to the flawed dispute handling and laggardly behavior of the bank.
By no account is TD Bank upholding their own rules, nor are they acting in a timely manner or in good faith. I would like my money back, and for my time to not be wasted.
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| 03/07/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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My TD Bank debit card was compromised. All of the charges occurred on consecutive days at XXXX XXXX XXXX in XXXX, Florida. Let 's just preface this with I live in XXXX XXXX, FL, approximately 30 miles away and I do not ever go to XXXX. The first unauthorized charge occurred on XX/XX/XXXX in the amount of {$100.00} ; a second again on XX/XX/XXXX in the amount {$99.00} ; the third charge on XX/XX/XXXX in the amount of {$99.00} ; the fourth charge on XX/XX/XXXX in the amount of {$99.00} ; the fifth charge on XX/XX/XXXX for XXXX. At no time during these unauthorized charges did TD Bank contact me about suspicious activity. My husband and I discovered the unauthorized charges on or about XX/XX/XXXX and I immediately contacted TD Bank to shut down my card. The first charge had already cleared my account ; however the other 4 were still pending and I had wait until they actually cleared. We disputed the first charge and called the next day to dispute the 4 additional charges. I waited 3 days and called TD again to ask about my provisional credit. I was informed that the person who took my report determined that the charges were in my geographical area and not fraud. When I informed them that I drive a XXXX XXXX that takes {$35.00} in gas every two weeks and that I confirmed with my local branch that I was in XXXX XXXX using the card with the chip at a XXXX at XXXXXXXX XXXX at 9 minutes later someone was pumping gas in XXXX which is 30 minutes away with my card and NO chip, they resubmitted the dispute. I received a provisional credit. On XX/XX/XXXX, TD Bank sent me a letter and told me that they were reversing the first credit of {$100.00} because they didn't think it was fraud, but they were allowing the credit for the 4 additional charges. When I complained, they told me to go to XXXX and file a police report for the {$100.00}.
I wanted my {$100.00} credit back. This is so obviously fraudulent charges that I'm convinced TD Bank is just be spiteful and arbitrary. I am so disgusted that I have redirected all new business/personal accounts that I used to refer to TD to another bank. In my line of work, I have referred no less than 50 -75 accounts to TD Bank in the past 3 years. To be treated in this fashion is inexcusable. I want my {$100.00} and an apology for inferring that I would lie about an unauthorized charge.
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| 02/27/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XXXX/XXXX/XXXX my wallet was stolen from my locker while I was working out at the gym. The thief took my wallet to the XXXX down the street and charged all of my cards in my wallet several times for a total of {$100.00} for each transaction. He charged each credit card twice and each debit card once. I have no idea how he ran my debit cards as he clearly would not have my pin number, unless he ran it as credit and then fraudulently signed for it. He then went down XXXXhe street a little bit more and attempted to use my last debit card at a smoke shop multiple times for a transaction totaling {$40.00}. However, by this time I had realized my wallet was stolen and I locked my cards on the app. I also had an airtag in my wallet, so I knew the location of the thief. I called XXXX so that the police could come and arrest the person I suspected for stealing my wallet. When the police arrived, they informed me that they could go look around for my wallet but couldn't arrest or ask anyone for the wallet based on an airtag location alone, especially since the suspect was hanging out with a group of people. The police couldn't really do anything unless they had better probable cause for one person. So I was left to report all of my cards as stolen, get a new airtag, new wallet, new drivers license, new transit card, new everything. I reported the cards as stolen within one business day of the theft. When I reported these transactions as fraud, all of my banks investigated it and informed me that according to their investigation, the transactions were in fact fraudulent. They they covered the cost of the false charges. Out of all of my banks, however, TD bank was the only one to say this transaction at XXXX was not fake on the grounds that " the card was not used again after this transaction ''. When I called to dispute their investigation, I asked them if they had any documents or anything showing that they did their due diligence in investigating the issue. They were unable to provide any evidence that they did in fact investigate my claim. I reopened the fraud claim and a few weeks later they denied it again stating that I " benefited from the transaction ''. I find it curious that just one of the banks I use found my fraud claim to be untruthful. I am submitting the evidence that I have as part of this complaint.
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| 11/29/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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I have been a Nordstrom cardholder since XXXX or XXXX with excellent payment history. In late XXXX, I was financially impacted by the Covid Pandemic. I contacted Nordstrom Card services and requested a financial hardship. I was enrolled in the fixed payment program as requested. The payments were structured to a feasible amount, {$170.00} to be paid monthly. In addition, the card was closed, and interest rate was 0 % as part of the terms and conditions. I paid as agreed upon.
Fast-forward to XX/XX/XXXX, I am unenrolled from the hardship program. I view my account online and note that I owe {$640.00} as a minimum payment due on XX/XX/XXXX as well as I incurred {$280.00} in interest charges. I contacted Nordstrom card services on ( 3 ) different occasions ( 2x on XX/XX/XXXX and 1x on XX/XX/XXXX ). I was advised that the program was only for a term of ( 1 ) year ( which was not disclosed ) and I would have to wait ( 6 ) months. Furthermore, no one could provide an explanation as to why I would the enrollment was only slated for ( 1 ) year. I explained that I am still experiencing the same financial hardship as last year and I cant afford to pay the debt obligation. However, I could continue to pay {$170.00}. No solutions were provided. I attempted to speak with their recovery department. I left a message and did not receive a call back. I asked to be transferred to the recovery department and was advised that because my account is not in charge off status, they will not speak with me. I was also advised by Nordstrom Card Services that I could call back when my account is ( 2 ) months past due.
I am seeking hardship assistance with Nordstrom. I was enrolled in a hardship program that allowed me to pay the debt obligation and maintain a positive credit rating.
Nordstrom Card Services is utilizing predatory tactics to squander funds out of consumers that are experiencing financial hardship, in oppose to offering solutions to assist. Nordstrom is charging an exorbitant amount of interest, fees, and waiting until the consumers credit report is adversely affected before allowing the consumer to seek hardship options and then will not remove any delinquencies ( when it could have been prevented ).
I would like for a senior account manager/executive to review my account and enroll me in the fixed payment program.
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| 01/19/2017 |
Yes |
- Bank account or service
- Other bank product/service
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- Using a debit or ATM card
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Web |
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I am writing to you in regards to lost TD gifts cards and my inability to get proper customer service from the XXXX bank branch and from TD bank telephone customer service. On XXXX XXXX, XXXX, I bought {$2000.00} worth of gift cards from TD bank located in XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. Unfortunately, I lost XXXX cards ( XXXX for {$100.00} and XXXX for {$50.00} ). I immediately called TD customer service to report the lost cards. They said that they would put a " freeze on them ''. After a great deal of time and effort and many phone calls, I was told that I could go to any branch and get replacement cards or a return of my money ( {$150.00} ). When I went back to TD, the manager and another office worker said that they do n't return cards/money. In fact, they had no idea of the procedure when someone loses a gift card. They proceeded to call various numbers for information. They were put on hold for long periods of time. They asked me to come back. I returned hours later and they still did not know how/when I would be refunded. Eventually they said I would be mailed XXXX new cards. I went home and called customer service again, and they confirmed that I would receive the cards in 2 weeks. I have been calling TD customer service since XXXX and each time I call, I get a different answer as to how I will get my money back. It seems no one understands the policy involving lost TD gift cards. Yesterday ( XXXX/XXXX/XXXX ), I received a call from the manager of the XXXX bank and he asked me if I had " registered the giftcards ''? I had no idea what he was talking about. He said that, " If you had registered the giftcards, then we " could '' have given you your money back. '' However, it is not our policy to give the money back unless they are registered. I purchase these cards every holiday season for gifts. In fact, I buy {$2000.00} worth of cards each year. NEVER has anyone ever suggested that I register these cards in case of lost. I am so frustrated and disappointed in the lack of professionalism and knowledge that the manager and staff display at TD. I have invested a lot of time and effort in trying to rectify this problem, and the " run around '' treatment I have endured over the past 3 weeks is disgraceful. And to make matters worse, I have now been told that I will not be refunded for the cards.
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| 11/19/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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On XX/XX/XXXX a woman named XXXX XXXX ( XXXX ) from XXXX XXXX XXXX XXXX contacted me about a charged off store credit card. The voicemail reads ; Hey Mr. _____ this is XXXX XXXX ___ XXXX XXXX XXXX XXXX a case number XXXX I'm returning your phone call you did leave a voice message to get back in touch with you however I got it no answer again your case is actually scheduled for a litigation them tomorrow but if I am able to get your side of the story is see if I can help you in anyway I could actually put a stop on that could you please give me a call back at XXXX we do leave the office today at XXXX XXXX Eastern standard time right now it is XXXX I made an agreement to pay 5 payments totaling {$500.00} to pay off my old store card. This was very similar to a deal i got in the mail from the company that first held my debt so i went along with it. Note : she had all of the store card information. Even the charge off amount.
On XX/XX/XXXX she called to say this : This message is intended for a Mr. ______ ___________ this is XXXX XXXX for ___ XXXX XXXX XXXX XXXX please call us a payment reminder for your payment schedule to be automatically drafted out of the account for today 's date in the amount of {$100.00} um this is your second to last payment your last payment is scheduled to be dropped it out on the XXXX um that would close out this account 14 days after your last payment you will be receiving your paid in full documentation of two at physically close out the account and update your credit profile I can be reached at XXXX if anything changes please reference to your case number when calling _____ is XXXX XXXX XXXX thank you have a good day Months later i noticed that this had still not dropped off my credit report. When contacted they sent me a sign off sheet for the amount paid. The card company has no idea who these people are, nor does their third party biller.
When contacted they never would return a call and now the phone is no longer in service. Also i cant find anything with their Business name online.
After a bit a got an email with right signature with the information. The email was from XXXX XXXX from XXXX Attachment below.
Because this took me more than 60 days to discover, i am out {$500.00}. Nothin my bank or anyone will do.
I will never pay anyone over the phone, ever again.
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| 10/28/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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Web |
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I have a HELOC with TD BANK with a XXXX balance and I am trying to close out my loan so that I can complete a refinance on my home. I visited my local branch on XX/XX/XXXX and submitted my Home Equity Line of Credit Closeout Request form as well as my payoff/fee for closing the loan. I was told at the time that the process would take 5-7 business days to complete. I assumed that the bank had everything that they required to close out my loan and I called to check the status of my close out on XXXX ( 5 business days after I submitted the paperwork ). At that time I was told by the representative that I spoke with that my form and payment were not received by corporate until XX/XX/XXXX so the loan would not be closed until XXXX at the latest.
On XXXX I called the bank and was told that the bank had the information that they needed to close out my loan but that the process was just taking longer then usual.
I waited until XX/XX/XXXX to call and follow up again on the status of closing out this loan and was told at the time that the bank had only received my payoff and did not receive my closeout request form. I had called them 3 times previous to this and they did not inform me of this until over 2 weeks after I started the process. I followed up by sending a copy of the closeout form that I had submitted through my local branch to an email that was provided to me at the time. The representative told me before ending the call that he would try to get the process expedited for me.
I then called on XX/XX/XXXX to check on the status of the close out and was told, again, that they had everything they needed to close out my loan and that they would help to expedite the process.
I called to follow up on XX/XX/XXXX and again asked that they had everything they needed to close out the loan and was told that the latest the loan would be closed out was XX/XX/XXXX.
On XX/XX/XXXX, when my loan was NOT closed out I went down to my local branch to talk to a manager who told me he was going to escalate the issue and try to get it resolved ASAP. Since then I've just heard that the issue has been escalated but have not found any resolve.
My rate lock is going to expire in 2 weeks and I need this loan closed out so that I can get my final approval. This incompetence my end up costing me hundreds of dollars a month.
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| 10/20/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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My name is XXXX XXXX, and I am the owner of XXXX XXXX XXXXXXXX XXXX, a small business in Florida that has had a productive and successful partnership with TD Bank for over XXXX years. I am writing this complaint to bring to your attention an issue that has significantly impacted my business and livelihood.
Around XX/XX/XXXX, I visited the TD Bank branch in XXXX XXXX, Florida, to report an ACH fraud incident that I did not initiate. The bank staff informed me that they would need to wait until the matter was resolved before taking any action. Subsequently, the ACH transaction was confirmed as fraudulent over the following XXXX days, and the bank advised me to open a new account, with the assurance that the XXXX department would return the amount. I acted promptly and, around XX/XX/XXXX, I opened a new account and the bank transferred the amount, believing that the issue had been resolved to my satisfaction.
To my dismay, in XX/XX/XXXX, I received a collection letter demanding the exact amount that was supposed to have been returned by the fraud department. Distressed by this turn of events, I promptly visited the branch again, presented the collection letter, and sought assistance. The bank representative promised to investigate the matter and took my contact information.
However, it wasn't until the middle of XX/XX/XXXX that I received a call from the bank representative who, to my shock, informed me that there was nothing the bank could do, and I would be required to pay the full amount. I was deeply perplexed by this sudden reversal, as I had received no communication, neither via email, mail, nor phone calls, explaining the reasons for this decision. To make matters worse, on XX/XX/XXXX, the bank deducted the disputed amount from my account without any prior notice or explanation.
This situation has caused a significant financial burden on my business, and I have already had to let go of two employees due to the loss incurred.
I kindly request that you review the details of this case and for the bank to reverse the unjust deduction from my account and provide a clear and transparent explanation for the course of events. My intention is not to challenge the bank but to seek an equitable and fair resolution that can help me recover from the financial distress this issue has caused my business.
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| 09/22/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
Servicemember |
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Title is exactly as stated.
TD Bank back in XXXX closed my account because of delinquency. I had to pay off that amount before opening a new one with a balance of {$790.00}. The amount was paid in person, cash, in XXXX. Now in XXXX as of XX/XX/XXXX I was charged {$460.00} for an offset as well as on XX/XX/XXXX charged {$520.00} for a total of {$970.00}. I was told there's also a remaining balance of {$270.00}.
I have contacted every single person I can manage to get ahold of. The boss of one particular store with a job title of " Business Analysts Supervisor/Account supervisor '' contacted me and told me that I could dispute the claim but there was no way they can reverse the offset. Also last week when I was in person they said they would do the exact same thing and nobody called me to give me an answer. I called back and spoke with the boss with a fancy long title. So I then called customer service. Since it was an offset they were unable to dispute it and said they would connect me to someone who could. I was connected with their Recovery department. The agent was not able to dispute the claim either. The only thing she noticed and was able to do was inquire and fill out an investigation of why I was being charged over the amount of the balance owed, which still doesn't solve the original problem of being charged 2x for something that was paid off in XXXX.
I seriously need help here. Nobody at TD helps. Everyone says can't do anything about it. Nobody seems competent or in any real position of power to do anything. I have a scheduled call with the supervisor 's boss I had spoke to in the next 24 hours, " Business Analyst Supervisor ''. Essentially I'm speaking to every supervisor, getting their job title and name, and asking for their supervisor since every person contradicts themself with no consistency. When asked if they can explain the charge in detail, I never get a direct answer. It's just, X amount from collections. Forgive me on this because I'm not quite sure but after a certain amount of time don't banks just sell their debt to the lowest bidder after 180 days or so? So would a third party actually own my debt as well? Five year later collections comes after me? It all makes zero sense and feels like white collar theft.
Will I have to take legal action? I'm open to all advice please.
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| 06/06/2022 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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On XX/XX/2022 I opened a new " TD Beyond Checking " account with TD Bank. As per " Important Disclosures '' in the attached screenshot of the promotion, I've fulfilled all the terms - " 1Offer is available to new personal checking Customers who received a promotional mailing and who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit funds of {$2500.00} or more into the new checking account within 60 days of account opening. {$150.00} bonus available to eligible new personal checking Customers when opening a TD Convenience CheckingSM account with cumulative direct deposit funds of {$500.00} or more into the new checking account within 60 days of account opening. Qualifying direct deposits include your paycheck, pension, government benefits ( such as Social Security ), or other eligible regular monthly income from your employer or the government electronically deposited into your checking account. Person-to-person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Once the offer criterion is met, the bonus will be credited to the new personal checking account no later than 140 days from account opening. Account must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus. If the checking account is closed by the Customer or TD Bank within 6 months after account opening, TD Bank does reserve the right to deduct the bonus amount from that account at closing. TD Bank may issue you an IRS Form 1099_MISC, or other appropriate forms reporting the value of the bonus. Offer may be withdrawn at any time and is subject to change. One bonus per account per Customer and can not be combined with any other offer. TD Bank employees and XXXX cross-border banking Customers are not eligible. '' With the 140 day deadline passing and TD Bank has not credited {$300.00} to my checking account, I've reached out to the bank. Bank has refused to credit my account, using post-fact justifications that are not present in the " Important disclosures ''.
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| 03/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I opened a card with XXXX in XXXX and paid each month in full for 4 years. In XXXX, I reported to XXXX that my card had been stolen and that fraud had occurred. They asked me to identify charges that were not mine. I did this- they continued to keep all those items on my bill, charge me late fees, and interest, even though all the charges were supposed to be disputed. XXXX sent me a new card and an email acknowledging they were investigating the fraud, but did not stop fees and kept all the disputed charges on my bill. I refused to make payment because the credit card contract shows that if I make a payment on items that are fraudulent, that you accept those items as part of your bill. After 6 months fines and fees and no more response about the investigation, they closed the account, continued to add on more fees, and then, after adding over {$1000.00} beyond my credit limit to the bill in finance charges, submitted the file to credit reporting agencies and a collection agency.
I challenged them due to the fact I had fraudulent charges and they had acknowledged them but did not fulfill their end of the contract in how they handled my case. XXXX took a civil suit against me in XXXX, TN, on XX/XX/XXXX. After over a year of court dates, the judge dismissed the case because they did not have the legal right to hold those charges on me, and that should have stopped them from pursuing me and have legally made them remove the negative information from my credit report.
Instead, XXXX processed the already charged-off debt, as a new opened account, and charged it off again, resetting the 7 year negative delinquent charged off status of my account with them. Despite having brought a civil case against me, and losing, they acted against court orders, and still refuse to adjust this. I have gotten them removed from two out of three of the major credit bureaus by showing the court signed and stamped judgement dismissal. XXXX however, did not remove it, and XXXX will not remove it.
XXXX XXXX aggressive bullying and illegal actions have greatly affected my personal life in time, court expenses, lowered credit score, and overall a frustrating and painful experience from someone who was a faithful customer and on-time-always credit card holder, now still affected, years later, by their irresponsible behavior.
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| 10/28/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan modification,collection,foreclosure
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Web |
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I am a Widow who has asked for assistance and denied, never receiving assistance. I have a relevant case of extreme hardship due to the passing of my husband. Prior to his death I had never been late ever with my mortgage or had any problems. With my husband now gone my finances have changed drastically. I have been asking for assistance from TD Bank but they have and continue to deny me help. I cooperated with them fully providing them with all the documents they asked for including my prior tax documents that showed our combined salaries and what it had become after his death, I also provided my paystubs and his death certificate. The loss of a spouse is not only the greatest grief but the loss of income is truly a great hardship. They played the usual game and I was denied again even though I gave them concrete proof. I needed my loan modified to a smaller payment so that I could keep up the payments, I do n't have far to go to finish paying off the balance. Because TD denied me help, in order to keep up the payments current and on time, I used my savings to supplement my income. Now my savings is gone and there is nothing left to supplement. I am behind, a car repair problem caused a setback in my ability to make payments to them. I only owe them approximately {$27000.00}, my monthly payments are {$450.00} and would have been able to keep money in my savings to brace against an emergency had I received assistance from TD Bank where I have a home equity loan. It is only though greed and calloused, mercilessness that institutions play with the lives of those who fallen on hard times. It is a shameful embarrassment the way they are coldblooded and cruel. Under the current administration, there are mortgage programs that would assist me but TD Bank would rather harass me for payments that I 'm unable to make rather than offer a solution where we can all benefit. Each week they send me threating letters of foreclosure, I know from past experiences, if I continue to send them requests for assistance, they have no intentions of helping me with anything but out of my co-op if I ca n't pay. TD Bank holds the home equity loan and I am currently unable to pay and I am being harassed rather than given any assistance. The mistreatment I 've received needs to be exposed and I 'm telling my story. Shame on them.
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| 05/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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Target card services, XXXX Acct XXXX Target contacted XXXX XXXX on XX/XX/19, according to their letter to me, and canceled my subscription. Therefore, not only did Target hit my card for {$39.00} without good reason, and they are forcing me to pay it, but THEY CANCELED THE XXXX PRODUCT THAT WAS PURCHASED! See attached letter from Target dated XX/XX/19. That means they are controlling both the purchase and the cancellation without my knowledge and permission. Dont I get a say in anything? If I have to pay for it, shouldnt I be allowed to keep it?
I have attached all correspondence, 8 pages, received from Target.
Furthermore, I suspect an immature Target employee attempted to fraudulently use two of my credit cards to make small online purchases. On XX/XX/19, XXXX XXXX notified me of a suspected {$11.00} XXXX purchase ; that card number was replaced. On XX/XX/19, XXXX assisted me with an obvious bad purchase for {$42.00} at XXXX, an account with a XXXX balance ; that card number was replaced. Pure harassment!
The following is a summary of what has happened : 1. My Target credit card consistently carried a XXXX balance.
2. I misplaced my card and Target issued a new number/card. It still had a XXXX balance.
3. At some later point, without my knowledge and approval, no email-mail-phone warnings whatsoever, XXXX ( computer virus protection ) was allowed to sneak a {$39.00} charge onto my new Target card number. I knew nothing about it. The software was auto-installed on an old, dusty computer I rarely use.
4. In XXXX, I attempted to make a small purchase from Target online shopping to my Target card ; it was declined. Thats when I called and found out about the {$39.00} charge plus the {$27.00} late fee that Target added because I didnt make a payment. How was I supposed to know a payment was due without any phone/mail/email notification?
5. My phone number and address has been the same for 30 years. My email address has been the same for several years, possibly 5 years.
6. I called Target and angrily terminated my credit card.
7. I filed a dispute with Target and it was denied. Their letter told me they tried to reach me by phone and since I did not respond within their unreasonable time limit they denied the claim. Meanwhile, they managed to get correspondence to me by postal mail.
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| 11/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
Servicemember |
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This is my second complaint regarding a furniture loan that was credited through XXXX XXXX by XXXXXXXX XXXX/TD XXXX. After I received a resolution notice from CFPB a balance of {$1000.00} remains on my TD XXXX Second Look account. I am told the refund issued was made in error and the check which was referred to in the letter had a stop payment on it. However TD XXXX can not confirm receipt of the third check dated XX/XX/XXXX. They are stating that the check which was found was the first check and that upon trying to cash it they found it had a stop payment. This is true the first and second checks had stop payments, however I do not know the status of the third check. I thought the third check had been accepted and cashed when I received my refund, and the letter stating my balance was zero and the account was closed. I received an email today, XX/XX/XXXX that my payment was due soon. Upon calling in to the automated system it stated that my balance was {$1000.00} and the last payment was received on XXXX XXXX in the amount of {$1000.00}. I believe they may be trying to scam me to get additional payment. A total of three checks have been sent now, and the original complaint is the original complaint Two checks have been issued on my behalf to TD XXXX through a title company of XXXX XXXX XXXX in the process of a cash out refinance. TD XXXX initially claimed they lost both checks. The check amount is {$1000.00} XXXX check was delivered on XX/XX/XXXX via certified overnight USPS XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX -The second check was mailed and delivered via USPS on XX/XX/XXXX to the same address. TD XXXX has no record of this check. XXXX XXXX XXXX states there is nothing they can do to help me resolve this. TD XXXX stated they were looking into it. Payments are generally made by me through onlineaccessplus.com XXXX furniture loan was credited through XXXX XXXX by XXXXXXXX XXXX/TD XXXX. When I asked to escalate the situation I was given the email address XXXX The first check that was lost which I inquired about got no reply. The second check email inquiry was responded to by another representative that gave me the same information as the prior representative who told me to email them. This response being- " We are looking into it. Please feel free to contact me for additional information.
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| 05/11/2015 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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On Friday, XXXX XXXX, 2015, I had a balance of XXXX in my checking account with TD Bank. During the course of the weekend, there were XXXX withdrawals made by me for {$20.00} each ( total of {$60.00} ) which were deducted immediately from my balance, leaving a balance of {$84.00}. On XXXX, XXXX XXXX, 2015, a check from my insurance company was presented for payment to TD Bank in the amount of {$660.00}. This was submitted earlier than it should have been. Upon checking my account online on Monday morning, I discovered that TD Bank had charged me not only the {$35.00} overdraft fee ( which I was willing to take responsibility for ), but XXXX additional {$35.00} charges for the XXXX withdrawals made over the weekend, a total of {$100.00}.
I contacted the manager at TD Bank. She explained to me that even though the withdrawals were made over the weekend AND they were immediately deducted from my balance AND they were made before the insurance check was submitted for payment, the insurance check is processed XXXX because they go from largest to smallest. As a result, the debits were deemed insufficient funds and I was charged the {$100.00}. I advised her I was more than willing to take responsibility for the overdraft on the insurance check, but to charge me the additional {$100.00} was completely ridiculous. She refused to refund those fees. As a result, my account was now seriously overdrawn and continued to remain overdrawn. They continued to process things through my account, XXXX and XXXX times, continuously charging a fee every time.
I am a XXXX XXXX mother, supporting my household on my own. I did not have the additional {$100.00} to deposit into my account. I explained this to the manager who could have cared less. To me {$100.00} is a lot to come up with. I subsequently did not use the account after that time.
From the beginning of the initial overdraft, TD Bank has charged me {$260.00} in overdraft charges. I am now receiving letters threatening a collection action if I do n't pay the negative balance of - {$360.00}. I have had this type of problem before with TD Bank and it was resolved in my favor. I have not been a customer of TD Bank for a few years and recently went back because my pay check is drawn on that bank and I was being charged {$7.00} every time I wanted to cash my check.
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| 09/17/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
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Web |
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On or about, XXXX XX/XX/19, I received a letter with a cashier 's check in the amount of {$2900.00} made payable to myself from XXXX XXXX XXXX XXXX XXXX. I confirmed receipt of this check via text to number XXXX. Prior to receiving this cashier 's check, I received another text from someone named XXXX XXXX cell number XXXX. This 305 text indicated the following : " Hello, the envelope containing your first task will be delivered to your house today/tomorrow vis USPS regular mail. Please send a text message to XXXX when you receipt of the envelope. XXXX XXXX ''.
I currently do work part time as a mystery personal shopper so I thought this was another XXXX that I applied to in the past.
Upon receipt of the cashier 's check, I deposited it in my TD Bank in XXXX XXXX NJ on XX/XX/19. As per the bank, the cashier 's check cleared XX/XX/19. I informed contact XXXX via text that the check had cleared as per their instructions and I was assigned a task. I made sure with 100 % certainty that this cleared before proceeding further. I was assigned to buy 2 {$1300.00} XXXX gift cards. I did that on Friday XX/XX/19. I then was instructed to purchase a money order for {$20.00} and a cashier 's check for {$20.00}. The first made payable to XXXX XXXX and the latter XXXX XXXX XXXX Today XX/XX/19, TD Bank informed me that this cashier 's check bounced and that I am responsible for the funds of {$2900.00}. I relied upon TD Bank 's complete disclosure that this check cleared on XX/XX/19 ; otherwise, I would have never proceeded with these purchases. Today XX/XX/19, a TD representative told me that the routing number looked wrong but they deposited it anyway. TD Bank represents themselves as a leader in banking and me, I'm a consumer. I relied upon their experience and expertise in this industry to protect me the consumer from fraudulent activity. They did not. TD should have never cleared this check on XX/XX/19 without confirming the validity of the check. They do this every day and should be held accountable to a higher standard of care. They now are claiming that it is not their fault and that I have to take the hit on these funds. Yet, if my credit card was hit by fraud, TD would cover it. It's the same thing. We as consumers rely on banking to protect us. I want my money back in the amount of {$2900.00}.
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| 08/14/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
Older American |
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This is a follow up from my first complaint. I worked with XXXX at the XXXX XXXX of TD Bank. His information follows : XXXX XXXX | Sales and Service XXXX | XXXX | NMLS # XXXX TD Bank, XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX T : ( XXXX ) XXXX | F : ( XXXX ) XXXX Luckily I had money to cover the shortage and supposedly the bank covered everything, see below email regarding the {$17000.00} that was illegally put on my account : On XX/XX/2023 XXXX XXXX EDT XXXX, XXXX XXXX XXXX XXXX wrote : It should fall off tonight in overnight processing- the check was already returned back to XXXX 's account so there really isn't a hold on it. Unfortunately there isn't a way to expedite that off the app because it's done by our back office team in overnight processing. I did the math for you though and it checks out. After XXXX and XXXX were paid the balance Friday night was {$2900.00}. I added the {$17000.00} that was put in as cash over the weekend, as well as the {$5000.00} transfer that was also put in as cash and subtracted the debits for XXXX XXXX and such and the ending balance was {$24000.00} which is what shows as available for you to use, so there isnt a true hold on the account. You have {$24000.00} available to use.
Respectfully, XXXX As you can tell, this email is proof that the malicious acts that have been committed by TD Bank towards me, a XXXX XXXX, shows that the bank does not pay attention to the actual laws of the United States of America. There has to be an investigation into the illegal activities. Are they XXXX XXXX? Are they anti XXXX XXXX? These are deliberate, malicious and fraudulent activities. This is a targeted discriminatory attack on me and if you audit the bank, you will see a pattern of abuse and discrimination against XXXX XXXX and XXXX people. To further add insult to injury, someone called the police and said that I threaten to XXXX XXXX XXXX XXXX XXXXXXXX. Is this revenge because the police did nothing??? I am XXXX XXXX XXXX, really. This is TD Bank just messing with a XXXX XXXX XXXX because someone thinks that they can do this and not get in trouble. This is a blatant attack against any and all XXXX XXXX and XXXX XXXX activity!!! There was more than enough money to cover the checks, please reread the email that is in this complaint.
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| 12/05/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I have had a business bank account with my partner at TD Bank since XXXX. There have been many issues since then but the latest is most concerning. I entered the bank wishing to do a transaction and was told that I was not listed on the account. I had used the ATM just a couple of days before, used the debit card to make a few purchases and the month before done a transaction in the branch. However on XXXX XXXX XXXX I was not listed. The bank employees could not tell my why I was not listed on the account and my partner stated that he had done nothing to remove me from the account. When I went to a branch to try and resolve the issue they said that they could not fix the problem there and that they had to call on the phone. After over an hour of discussion they told me that my partner had filled out a change of address form and that was the reason I was removed from the account. They stated that the change of address form had the effect of removing me from the account. My partner only wanted to change our business address and was clear about this when he filled out the form. He was not told that this would affect all partners on the account and there was no mention of removing a partner 's access to the account by simply changing the address. Furthermore, from what they told me there is no way for one partner to change the address on an account without removing a partner 's access unless that partner is present and signs the address change. Changing an address should not have this effect and this is a very stupid thing that caused a lot of unnecessary trouble. I think that it is wrong that this happened, but the big issue I have is that they are very weak in resolving the problem. It took almost an hour for them to tell me why it happened and they seem as clueless as I am about what is going on. They are mishandling my account and are not providing the service that I was told I could expect when I opened the account. There seems to be no accountability for this problem and I feel they need to be reported for negligence and inappropriate conduct with accounts. They also misrepresented what the effect of the change of address form would be when my partner signed it. He was under the impression that it would simply update our mailing address. There was no mention of removing me as a partner.
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| 08/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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In 2015, I XXXX XXXX entered Into a consumer credit transaction TD/Bank Usa which became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, shortly after that I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is By willfully doing this TD/Bank Usa has violated many laws according to truth and lending & fdcpa .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I attached my license and will be mailing my invoice.
Bank can not lend money ....
In the federal courts, it is well established that a national bank has not power to lend its credit to another by becoming surety, indorser, or guarantor for him. Farmers and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 11 F 2d 83, 271 U.S. 669.
A national bank has no power to lend its credit to any person or corporation. XXXX v. XXXX XXXX XXXX 94 F 925, 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637.
A valid rescission of a credit sale contract does not render inoperative the disclosure requirements of the Truth in Lending Act, as creditors obligations to make specific disclosures arises prior to consummation of transaction. Truth in Lending Act Section 102 et seq., 15 U.S.C. Section 1601 et seq. ; Truth in Lending Regulations, Regulation Z, Sections 226.2 ( c ) 226.8 ( a ), 15 U.S.C., following section 1700. ONeil c^ 484 F.Supp. 18.
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| 04/27/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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In XXXX , I opened a checking and savings account with TD Ba nk in XXXX , In XXXX XXXX I moved to XXXX XXXX , NC in which th e TD Bank in XXXX XXXX , NC became my primary bank. I had no interactions with the TD Bank in XXXX , NC over XXXX miles away. My original checking number with TD bank was, XXXX , this account is now closed pursuant to my request throug h TD Ba nks fraud and/or loss prevention department. The account was closed in the later part of XXXX XXXX . It was necessary to close my account, since I had lost my checkbook and debit card coming home from the hospital where I had been admitted. It is assumed that I accidently left my checkbook in the XXXX vehicle that transported me home from the hospital. My debit card was inside my checkbook. During the conversation wit h TD Bank security fraud dep artment it was advised by the bank that my account remain in no debit status until my social security direct deposit posted to my old account. TD Bank had established a new account. During this conversation, I was advised b y TD Bank that no prior authorized ACH debts would be processed, included XXXX a prior bi-weekly authorized I had authorized on my old account. XXXX was notified that I no longer authorized any ACHs due to the security issue with my account. Nevertheless, TD Bank without my consent, knowledge ( until after the fact ) or authorize transferred to ACH debits from XXXX to my new account. Those unauthorized debts where is the amount of {$31.00} and XXXX transactions made they unlawfully debited from my new account on XXXX XXXX , XXXX . After becoming informed of these unauthorized ACH debits I filed the appropriate disputes. XXXX Bank failed to process my request in accordance to banking regulations. Thus, it became necessary for me to refile my ACH disputes, ( see attached documents ). Then on XXXX XXXX , XXXX , TD Bank denied my ACH disputes for the second time. Whereby on XXXX XXXX , XXXX or thereabouts I contacted TD Bank as they requested in their letter and I requested the transaction information and copies of any documents they used in the decision. As of XXXX XXXX , XXXX , TD Bank refuses to provide me the transaction and copies of any documents they used in their decision.
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| 02/21/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
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Web |
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My SSI check is usually direct deposited on or about the XXXX of the month ... my XXXX check was deposited early this year because of the holiday. On XX/XX/XXXX, Funds showed as available so I started paying bills. TD Bank hit me with overdraft fees, which I caught almost immediately and called them to ask why they would hold a government check direct deposit that showed as available and hit me with fees? They responded by telling me they saw that that happened, and they would refund the overdraft fees.
This month, they reordered my charges, held cash deposits, and have charged me a total of 9 overdraft fees ( including a {$35.00} fee on a {$1.00} charge on XX/XX/XXXX ) ... online banking does not show accurate balance for days, there is no notifications of overdrawn account, and my account does not show as overdrawn online.
Yesterday, XX/XX/XXXX19 ... I checked my balance, determined that it was overdrawn by {$130.00} ( because of 4 overdraft fees ), and deposited {$200.00} with a teller at a TD branch ... I asked if my account now showed a positive balance, I was told yes at XXXX XXXX ... my phone app also showed a positive balance.
At XXXX XXXX on XX/XX/XXXX, I checked my balance to double check before I made a small purchase, and my balance was XXXX ... I had been hit with 5 more overdraft fees, that were not pending, and that the teller did not see 20 minutes before as pending.
I called TD Bank on the phone and was told 1. It is not their responsibility to alert me to a pending negative balance 2. It is not their responsibility to inform me that I have a negative balance 3. It was very nice that I banked with them for 15 years, but I was not entitled to a refund because they had given me a " courtesy refund '' the month before ( when they held my direct deposit for 3 days so they could charge me overdraft fees ... which they admitted to ) I informed them that I would be moving my banking to another institution after my direct deposit cleared on XXXX XXXX. I was told " not to threaten them '' I told them this was not a threat, I could simply not afford to bank with an institution that thought robbing me of my XXXX money was acceptable, as long as they weren't caught at it, and it's not a " courtesy '' to give me back my money which you fraudulently took and admitted to taking.
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| 03/06/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had 4 accounts with TD Bank. 2 were business and 2 were personal, with credit and debit for each. 48 hours after I made an early payment on the personal credit card that was in perfectly good standing, thousands of dollars away from my credit limit, my card was declined. I called to inquire only to find out that they had reportedly thought I was deceased. This is nonsense since I had 4 accounts and only one was closed. I called numerous times about the problem, was advised to go to the branch, which I did, but never received any sort of reasonable answer. They told me repeatedly that they would be in touch within 5-7 days. They said that several times before sending the account, the account that was in perfectly good standing, never late, to debt collections. I spent many hard years building my credit so this is an assault on my entire person. I was flabbergasted when I got a letter from a collection agency. However, I settled the debt with the collection agency in order to move on with my life. Within 48 hours of settling this debt, TD had miraculously REACTIVATED the card that they had heretofore refused to even discuss with me, and I only noticed because an automatic payment from XXXX that I had forgotten to switch to a new card all of a sudden went through. Now, I was able to log in to the TD account that I thought was settled. They had refused to give me an answer as to why one account and not the others was canceled, they had refused to correct the mistake, they sent the account that was in good standing to collections, then after I paid collections they turned the account back on. I feel like I am going crazy, but I have proof of everything. On my way to the branch now, almost two months after this began. There is no happy ending because I am still dealing with this. I watched them physically shred my card and now I am attaching evidence that my card was reactivated after being settled, shredded, and supposedly cancelled with the rest of my accounts, all while it was in good standing. Then after settling with collections, they pretended nothing had happened and turned the card back on, with my account showing late fees and the same nearly almost {$10000.00} balance I had settled. That's called fraud where I come from, which incidentally is the same planet on which TD is based.
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| 12/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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The Target Card that shows delinquent on my credit report has been disputed with Target, as my deceased mother was the card holder. I provided my mother 's death certificate, she died XX/XX/XXXX, I later found out it was a {$20.00} outstanding credit card balance. I emailed and faxed Target and no resolution. I also disputed through the ( 3 ) credit agencies. In XX/XX/XXXX after resolving all my mother affairs. Email below. I also, have fax confirmations at home in files. I request this be deleted off my report or showed as paid on time.
From : XXXX Date : XX/XX/XXXX at XXXX XXXX PST To : XXXX Subject : Death of Credit Holder and Process for Closing Accounts Hello- It is very unfortunate that I am now angrily typing this email after spending 40 mins of my lunch hour on the phone with Card Services for the 3rd time in the past few months. I have spent 3 separate days and hours trying to resolve a simple request. Please email me your policy for the subject line in this email. Once I receive this I will send you my complaint and all pertinent information. I only asked that my mothers account be closed after her untimely death on XX/XX/XXXX. I then called and asked that I be removed today since Target continues to report derogatory missed payments to the three credit agencies. I spent 40 mins on the call with a person who could not understand my request, she continued to say she was getting her supervisor per my request and never did, as I have both names. As I also partly recorded the call. I asked what was the balance because I recall paying the balance in full myself after my mother 's passing. It was only {$20.00} which she stated I was responsible for, though I am not because I am not executor of her estate as she had none and I conveyed this when account was closed. Also, I know my rights, as I work in Contracts. When I closed the account, Target was the only creditor of hers who never asked for me to fax a death certificate. Now, she is requesting one today and telling me my credit reporting can not be reported correctly because they never received a death certificate, then why was the account closed under my moms name?
Please send me the policy. I will follow-up with names, Death Certificate, Proof of missed payment credit reporting, etc.
Sincerely, a customer not satisfied.
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| 02/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
Servicemember |
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I opened an account with XXXX XXXX XXXX TD Bank on XX/XX/XXXX. I was paying on time every month. I entered into a debt consolidation program with XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. During this period of time XXXX stated they had contacted all the creditors I included in the debt consolidation program and everyone had agreed to terms. XXXX began making monthly payments to XXXX XXXX XXXX. I have statements from XXXX showing the payments being made. On XX/XX/XXXX XXXX reported to my credit that there was a 30 day late payment. I reached out to XXXX at XXXX to figure out how I was late when XXXX made the payments. XXXX stated the payment was insufficient but this payment was already pre agreed upon by both companies. At this time XXXX told me it was my problem that I was not checking my monthly statement, but XXXX never tried to contact me about this via email or phone call to inform me the payment was not enough. I told XXXX that my online access didnt work, and they stated once you switched to a debt consolidation program it takes your access away! So how would be able to check my Statements? They had no response. At this time XXXX told me the correct payment had to be made 3 months in a row to get the account back in good standing, but credit would show I was 90 days late on payment until then. I reached out to XXXX about this and they stated they made the correct payments agreed upon between the two companies so theyre not sure why they reported it late. XXXX never gave them a reason why the payments were not sufficient to XXXX so now I am stuck with a 90 day delinquency on my credit severely effecting my credit when essentially I was never late. XXXX never gave me access to check my online account and verify statements and never attempted to reach out to me to tell my my payments were not sufficient. I had no other issues during my debt consolidation program with other companies and them receiving payment. All payment pricing and arrangements are made between XXXX and all other companies that work together in the debt consolidation programs. I dont know any of that information about monthly payments. XXXX tells me what both companies have agreed upon when it comes to the client and then XXXX drafts the money out of my account automatically every month to pay the creditors.
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| 03/21/2017 |
Yes |
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- Customer service / Customer relations
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Web |
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This is not additional information on complaint XXXX.
I sent the email below to XXXX on XX/XX/2017 telling him to put a note on my account and tell his employees to not contact me by phone again, only by mail, because they are harassing me!! Since I sent the email they called me again on XX/XX/2017 at XXXX an XX/XX/2017 at XXXX, so I am now sending it to your office to deliver to him too! His employees have been rude and unhelpful every time I contact them and he makes excuses for them, once I do pay this account off will be closing the account because of the horrible customer service, is no wonder there are so may complaints online for the same!!
Sat XX/XX/XXXX, XXXX XXXX, XXXX ( XXXX ) XXXX, I am having a problem with my account. I lost my job unexpectedly some time back and so my payment is now past due for XX/XX/2017. I contacted your account department to let them know what was going on and that I could not make a payment until the unemployment check was in my account, which will not be until mid next week. They then called my cell phone this morning at XXXX and woke me up ( from XXXX ), after I had just fallen asleep finally just a few hours before due to my concerns over the job loss, no promise of a new job yet even after sending out hundreds of resumes and interviewing with several employers, still waiting to find out if I am hired or not, having no financial help because I am only XXXX years old and already widowed twice and now both of my parents and their spouses are in theirs XXXX 's and have had XXXX, XXXX and XXXX so leaning on me at times.
I want my account noted that I do not want to be contacted by phone or email, only by mail going forward. I am aware of the balance on my account, have never been late on a payment with you before, but can not pay my payment until I have money to pay it with. I live about two hours from the nearest XXXX 's location in XXXX, XXXX., but if you have a position open that will pay me enough to live in that area again in one of your stores I would be happy to take it and pay off my balance sooner. I am trying to get back over that way anyway, because there are more jobs closer to the city. I have also held high end retail jobs in the past with XXXX, XXXX, XXXX.
Thank you, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
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| 11/04/2023 |
Yes |
- Credit card
- Store credit card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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XX/XX/2023 I was approved for a Target Red Card in which I applied due to a {$40.00} promotion they were offering on their website XXXX. I got my card in the mail and I was supposed to receive the {$40.00} promotion along with my card. I called and asked why I did not receive the {$40.00} promotion and they said I didn't qualify, because I didn't apply in time. I told them that I clicked on their {$40.00} promotion Ad online and that is why I applied, because of the {$40.00} promotion. After further research and hold time, the target card representative came back and said oh yes you do qualify, I will send it in the mail. I never received it, so I called back a few weeks later and they told me that as a one time courtesy, they mailed the promotion already and would be able to send another one. I told them I never received it, and they said they can not do anything.
XX/XX/2023, I mailed them a letter to the corporate office which I have documented requesting my promotion. XX/XX/XXXX, they responded that they already sent my coupon within the past 12 months and won't be able to send another one. If I had any concerns to contact the customer service number. I contacted them and spoke to a Supervisor, XXXX who said he only has access to resend the coupon once. I told him everything mentioned above and how it has been such a huge inconvenience in order to get my promotion and he said he can't do anything, so I filed a complaint with him reference # XXXX to be escalated to upper management. I explained that this is a fraud and a scam they should honor their promotion and this is against the law. Its a shame I have to report fraud against a credit card company itself that I am supposed to do business with. Target, a big, well-known, and respected American Retail corporation. What a shame that I have to make such effort as a consumer and spend my time and energy to fight this {$40.00} promotion, but here I am. I will also be filing a report with the California State Attorney General Regulatory Office as well and possibly filing a class action law suit. This is not about the {$40.00} promotion at this point, its about the integrity of Target Corporation in which I no longer feel comfortable doing business with. I feel taken advantage of, scammed and mistreated. Bottom line, this isnt right!
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| 02/27/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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I have disputed these accounts through US mail, E-mails- Credit Agencies and etc. I have reached out dozens of time sand still get the same response. These are not m, y accounts. I did not open or apply for any of these accounts. The address that opened these accounts is a different apartment number. This was fraud and I have had everything from cell phones to credit cards opened without my knowledge I have sent copies of my identity theft report and my complaint and still nothing.
Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA.
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.
Please understand as well that under the FCRA any " furnisher of information '' must put the account rating on hold while the debt, is being investigated and remove all negative remarks added to my credit report. Continuing to report this disputed debt to my credit reports is an FCRA violation also open to damages collected from you by me.
I expect to receive the proof requested above, within 10 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted.
If you have true and accurate proof of this alleged debt, you may send it to me by mail in the form of complete and accurate billing, and payment and account history as allowed to be under federal law.
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| 02/06/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/XXXX I noticed from an online inquiry {$2400.00} being taken from my joint checking account without my or my wife 's authorization. I called the involved bank 's hot line and told them to stop the transaction as it was still pending. The bank representative on the phone said they could not do that and I would have to wait 24 hours to see if it became posted. Next morning I checked and it was posted to our account, causing an overdraft. I called the bank again and was told the account would have to be closed and I should either call a different number to open a new account or visit my branch. My wife and I immediately went to the branch and expressed our frustration at being unable to stop this illegal transaction and our concern about losing such a large sum of money. Also, we wanted to know who had done this, how did it happen and what will be done about it. The bank was very compassionate. They helped us open a new account, transferred the existing balance from the old account into the new one and put {$2400.00} into our new account pending an investigation into this matter which they called a " dispute '' and which required me to formally submit in writing. We were pleased with the cooperation of the branch ( which took over two hours to complete ) but still concerned as to why this was allowed to happen in the first place after calling and warning them it was an illegal and unauthorized transaction. Further, I was told that the results of the dispute process likely will not be revealed to me in any detail, only the result. I was and remain very concerned with this dispute process. I want a detailed explanation how this happened, why I could not stop it once I noticed it was in process and notified the bank, and what I should do in the future to prevent it from happening again. And I want assurances in writing that my private account information is safe with this bank. On a broader note, I would appreciate knowing if other customers of this bank ( and possible all banks ) may also be vulnerable to the same situation as me and whether notices or other warnings should be provided to banking customers to beware of illegal activity in checking accounts. I have been the subject of illegal activity in credit cards but never in a personal checking account, hence my concern.
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| 05/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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Please make all correspondence in writing. Phone calls will not be permitted in this legal matter.
On XX/XX/XXXX a promissory note in the form of an application was given to CFO XXXX XXXX XXXX XXXX dba TD BANK GROUP AND/OR TD BANK N.A . AND/OR TD AUTO FINANCE.
Upon my research and investigation I have found out that my application and/or agreement were in fact exchanged for federal reserve notes at their local Federal Reserve Bank and/or sold over the counter ( as I pay fees and interest on top of what they took from my estate ) and I was not given full disclosure at the time of paperwork being signed. I am privy to this information and now that I am ; I have a right to my securities that were taken from my estate.
On XX/XX/XXXX I XXXX, XXXX on behalf of XXXX XXXXPrincipal gave first notice along with POWER OF ATTORNEY instructing CFO XXXX XXXX XXXX XXXX that I accept all Titles XXXX Rights, Interest and Equity owed to XXXX XXXX. Along with my tender/Allonge of payment ( entitled 'LETTER OF INSTRUCTIONS ' ) ; I also accepted and endorsed the negotiable instrument ( Payoff sheet ) offered to me.
I have given XXXX XXXX XXXX XXXX business days ( per notice ) to respond in writing or to apply the principal 's balance to the principal 's account for setoff. I was then met with a dishonorable bill in the mail after I've already paid the bill according to Federal Reserve Act Section 16 and the Bills of Exchange Act.
Since then I have sent out 3 notices ( 3 tiers ) totaling nearly 30 days. These notices are clear and concise of what I want them to do. I have performed and expressed myself according to the Federal Reserve Act Section 29 ; and now I am here to properly have them assessed before I moved forward.
They're in Breach of Contract for inferior performance of their fiduciary duties. At this point they're in the know ; of this breach and I would consider their actions to be scienter.
The contract signed had no consideration on their part since they never loaned me any of their own money and/or assets ; instead they exchanged my promissory note ( Which had a cash value equal to the bank loan they Supposedly gave. ) Meaning, I loaned myself the federal reserve notes and am being extorted for extra monthly payments and interest on top of what I have already gave them
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| 09/27/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I had an account with TD Bank. I contacted them because my XXXX account was hacked. They temporarily credited my account for the charges that where done inside of XXXX. Many months later my account was negative and when I went to check why I was told I lost the chargebacks. I asked ... How that could even be possible? What did XXXX send them? At first they said they didn't send anything but it looks like the first representative didn't fill out the chargeback correctly. The next person who did the chargeback for me was a supervisor and she made it seem like I would be fine. She did everything again for me. So she credited my account again. There was one single transaction that the chargeback worked for but others it didn't. After a while my account became negative again. They also told me there is noting else they can do. They are not able to dispute another time. I said well you can not expect me to pay for something when my account was hacked. They are my bank and should protect there customers like many others do. It was numerous transactions. The total that they say I owe is around {$2400.00}. I asked the representative what will happen next. She said it will go to there internal collections department. I said I will not pay and I will not use them ever again. I will also make others aware that they should not use them because if they ever have a problem they may not win the dispute. They sent me a couple of letters about closing the account. I never received any collections letters but a few days ago I received a phone call from a collections company radius. They did not leave me a message but I seen the number and called back and I didn't even say who I was but they explained it was about td bank. I should of learned my lesson the first time something similar happened with TD bank. My wife and I hired a moving company and had to give a deposit. The moving company never showed up. They made a mistake with the date. We had to hire someone else the last minute. They still charged the around {$600.00} deposit. Went through the chargeback process with TD bank and tried multiple times with them till they said they cant do anything else. We lost all that money and TD bank was no help. My wife and I no longer can trust TD bank to protect us in situations that are not our fault.
|
| 07/20/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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Filed with PA Attorney General Office who recommended I contact you. The letter I sent them is stated below : Time-line 1. Opened checking account with TD ( XXXX PA, XXXX branch ) on XX/XX/2018 with {$100.00} cash and was only informed that any check deposits would clear in 2 days with me able to receive up to {$100.00} of the deposit right away.
2. First payroll check deposited on XX/XX/2018 3. Next weekend ( XXXX XXXX ) I was in XXXX XXXX, and I noticed " holds '' placed on my account for 10 days.
4. On XX/XX/XXXX I went into the XXXX branch and spoke with " XXXX '' she made me feel that it was my employer 's bank that was holding my funds, my employer investigated it and stated with proof that the funds were released from XXXX to TD on XX/XX/2018.
5. I immediately returned to the TD XXXX branch and informed them of this and " XXXX '' stated that the XXXX branch does not have a " branch manager '' who could advocate my case, I said that is ridiculous and attempted to contact TD 's customer service and was told my account was " frozen ''.
6. I then realized that bills I set up for payment from this account would bounce and incur " overdraft fees ''.
7. I really felt helpless TD had my money holding it I believe on purpose just to incur " overdraft fees '' a breech in public trust.
8. I contacted my branch and the TD web site number and was told that TD has the right to hold MY MONEY for 10 days when they see fit. Yet TD never informed me, If I knew that I would not have set up my bills to be paid.
9. While contacting TD via the internet I came across many customer complaints and I wish I would have viewed prior to my opening a new account.
I believe TD operates under false pretenses take a look at : http : //www.tdbank.com/XXXX " Bank Human - If something matters to humans, it matters to us '' TD Bank . Really, I don't think so ; something is definitely changing about the way TD operates. I am just a young guy who is trying to establish himself in this world and institutions that you trust your money need to be held accountable.
Very Truly Yours, -- -- -- -- -- -- -- -- -- -- -- -- References : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and lots more if one has the time or resources that claim TD is not operating as expected regarding the public trust.
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| 09/24/2015 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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I have a Target credit card that I got behind on this year due to a layoff. In early XXXX 2015, I received a voicemail from their attorney XXXX XXXX XXXX. I called back and spoke with a rep who advised me of a payment plan I could sign up for. It called for payments of {$66.00} a month with the first payment due later that month. I advised I would like to sign up but told him I 'd have to call back because I did n't know the exact date I wanted to make the payment or which bank account I wanted to use. I did not advise of any bank account during the call or authorize any payments to be set up. He said ok and I advised I would call back. Money situation remained tight and I knew I could n't make a payment that month so I wanted to see how my situation was in a few weeks and did n't call back. I checked my XXXX XXXX XXXX account yesterday and noticed a {$66.00} payment had been processed and was returned by the bank because my account was already in the negative. I was charged a {$35.00} nsf charge for that payment. I do n't understand how Target and/or XXXX XXXX XXXX could take a payment from my account without any authorization from me. This just makes my bad financial situation even worse. I absolutely did not authorize any amount of payment to be automatically taken from my account. The check image in my checking account shows a {$66.00} payment drafted with Target 's name on it. I absolutely did not schedule any payment on Target 's website and with the payment being exactly {$66.00} I would assume the rep from the attorney 's office told Target that I would make the payment and they decided which bank account to use. I am very upset with both companies for trying to take a payment and I do not authorize them just setting up any more on their own. I want to make some sort of payment arrangements but at this point have a hard time dealing with the attorney. Being attorneys they should know what they have done is unlawful and needs to stop. If there is some way of looking up the recording of me speaking with the rep from the attorney 's office it will prove I did not authorize any payment and was never given the option to advise exactly when I wanted to make the payment, which bank account I wanted to use and I surely was not given any sort of confirmation number. Thank you.
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| 04/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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TD bank is reporting fraudulent information on my credit report.
I DON NOT HAVE A CREDIT CARD and I NEVER DID.
Someone has been using my personal info for almost 8 years since 2004.
I believe your company has violated several of my consumer rights. Specifically, you : -Failed to validate a debt at my request- FDCPA violation -Continued to report a disputed debt to the CRA- FCRA violation -Continued to attempt to collect a disputed debt- FDCPA violation -Ignored my cease and desist- FDCPA violation Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character.
The FCRA has a penalty for filing any lawsuit or subsequent court papers that are later determined to have been filed in bad faith or for purposes of harassment.
I can show that the CRA, information furnisher, or entity using the information willfully violated its obligations under the FCRA.
A willful violation doesn't just mean that you have to prove that the CRA or other entity actually knew that it violated your rights. Rather, it is enough to prove that it was acting recklesslythat is, the CRA or other entity knew or should have known that it was running afoul of the FCRA.
This letter will again request that you follow the FDCPA and provide the following : I do mean all 7, request.
Validation of Debt Request - Proof of your right to own/collect this alleged debt.
- Balance claimed including all fees, interest and penalties.
- Contract bearing my ACTUAL personal signature ( Not a Computer Printout ).
- License proof to collect debts in my state.
- A credit agreement signed by me and you.
- Documentation of the chain of custody of all paperwork- in short, proof that the paperwork is accurate and came from the original creditor.
- Copy of my NYS Photo ID which is required to open this type of account.
This letter is your notice that I dispute the above referenced debt.
This is not my account. I do not owe this balance. I did not open this account. This account was opened without my consent or knowledge.
I request that you verify this account with all pertinent information, including the original creditors identity principal amount, late charges, interest, and collection costs that have been assessed.
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| 04/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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My purpose for submitting this complaint today is because, in my attempt buy my first home, I have run into an unforeseeable issue with a debt collection company that has brought this prospect to a complete halt, and I believe has potentially infringed on the rights granted to me by the FCRA.
Quite some time ago, XXXX of XXXX to be exact, I opened a secured credit card with TD Bank. Unfortunately, not long after opening the account I was laid off from work and underwent a period of financial hardship ; and I could no longer keep up with the payments. I received a notice from TD on XX/XX/XXXX informing me that my account was charged off and owing in the amount of {$890.00}. At that time I simply couldnt afford to pay that amount. I later received a letter on XX/XX/XXXX from XXXX XXXX XXXX XXXX, stating that they were collecting the {$890.00} debt on behalf of TD, and I decided to just go forth and pay it as I was beginning to look into purchasing my first home, as well as possibly financing other endeavors, and could no longer afford for there to be this stain on my credit record. Arrangements were made with XXXX to settle/resolve the debt, and to my knowledge, that was that.
I spent the next year or so saving money for a down payment and preparing myself for the new financial venture that is purchasing your first home. So, when I recently went to go apply for a mortgage, I was baffled when the loan officer reported back that I would have to pay that same very debt to TD in order to get approved. I went back to the XXXX website, the collection agency to whom I made the payment, and found my account with a {$0.00} balance. I went forth and filed a dispute with all three credit bureaus. This only resulted in the past due balance being updated to a more recent month on my credit report and having an even worse impact on my score than it had before. This debt is now past the statue of limitations for Pennsylvania ( 4 years from the date of last payment, reported as XX/XX/XXXX ) but is somehow still actively hindering my ability to buy a home for my family to this very day. I searched XXXX on the XXXX and found similar consumer complaints. It appears they may have a history of not forwarding payments back to the original creditors they are servicing the debt on behalf of.
|
| 11/13/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
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Web |
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Hello, In XXXX I was approved for 3 separate products, One a Home Equity, A personal loan in which I paid off and a business line of credit. The business line of credit is the product I have an issue with. The manager of the bank that processed the loan stated that the business loan did not have to be paid but that the interest of the loan would have to be paid on a monthly basis. I was paying the interest with no problem. If TD Bank needed payment for the loan why did n't anyone contact me with that request?
I was taken to court back in XXXX and again in XXXX by the banks Law counsel. We sat down with their lawyer and a Judicial administrator to come to a mutual agreement.
I brought all my documents as proof to me paying the interest and in the document it states the amount in which I owed. The administrator wanted to see her /counsels documents. for the amount she was demanding for the bank. according to my records the balance was XXXX. TD Bank charged off on my loan back in XXXX XXXX, XXXX.
On XXXX XXXX, XXXX The TD bank recovery team went into my business account and withdrew XXXX I was n't notified on this. I was doing business at DMV and my bank card declined 2 times. So I called the bank and they could n't give me any information.
Since then, I had numerous return check fees, I was in the negative. The first representative in the recovery dept I owed {$2900.00} on the account I spoke with Mr XXXX of the recovery team and he demanded I pay well over XXXX dollars per month. I explained that I had been a good customer of TD bank and that i could n't afford to pay that. I also mentioned the XXXX amount he said I owed a lot more than that. I was willing to pay {$170.00} He told me NO.
I 'm curious to know why they need more money when in fact my balance was XXXX and they took XXXX which leaves XXXX, On XXXX XXXX XXXX XXXX XXXX from the recovery dept took another XXXX from my account. That total is now an additional {$1800.00}.
To my knowledge a charge off is insurance paid to cover the loan.
Now the bank is double dipping sending the loan to their in house recovery team.
They have received their money twice and are trying to get more, in which as a tax paying citizen is unlawful and quite fraudulent on their part.
I have documents attached for your review.
|
| 07/22/2015 |
Yes |
- Money transfers
- International money transfer
|
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|
Web |
|
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For more than 20 years, XXXX XXXX XXXX XXXX XXXX has supported an orphanage in XXXX. Every month for those 20+ years, we have wired money from our account at TD Bank ( formerly XXXX ) to our account in XXXX XXXX XXXX XXXX XXXX of XXXX XXXX most respected, well established commercial banks.
On XXXX XXXX, 2015, I visited the XXXX XXXX, XXXX, NJ branch of TD Bank to send our regular two monthly wire transfers to XXXX. Manager XXXX XXXX provided excellent service and processed the transfer.
Three days later, I heard from our orphanage in XXXX that only XXXX of the wire transfers had arrived at XXXX XXXX XXXX, so I immediately called TD Bank for an explanation. Several hours later, the TD assistant manager called me to say XXXX ( their XXXX transfer bank ) had blocked the transfer because " they are concerned the money is going to a bank in XXXX. '' I pointed out this was absurd : XXXX, XXXX is XXXX of miles from XXXX, XXXX, and the XXXX bank has absolutely no connection with a XXXX bank. He assured me he would pass this on and quickly get us the money.
All the next week, while I was in XXXX, I called and emailed at great expense back to TD Bank. Every day they said they were checking into it, and every day nothing was done.
I returned to the US on XXXX XXXX and immediately called TD Bank, asking them to simply redeposit the funds into our account and we would send another transfer -- because we desperately needed the money to buy food for the orphanage. They responded that XXXX was refusing to either send the money to our XXXX account OR to refund it to us for at least 60 days.
On XXXX XXXX, I called XXXX New York wire office and spoke to a XXXX XXXX, who claimed to be a manager. He said it was untrue that his bank had mentioned anything about a bank in XXXX and the real reason was that TD Bank had simply not given them the contact details of the receiving bank in XXXX. I told him I could give him everything : the XXXX code, address, phone # -- right then, but he refused, saying that I am not a customer of his bank.
I went back to TD Bank and told them that XXXX had disputed their story, and they said they would look into it. More than XXXX hours ( and XXXX more phone messages ) later, I have heard nothing back from TD Bank, and still the money is being held by XXXX.
|
| 04/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
On XX/XX/2020 went online to obtain a tax id for my XXXX. THe first site I saw was XXXX XXXX XXXX. It appears to look like a legit irs site. I put in my company information. They charged me XXXX for a tax id number that they said would be emailed to me. In the meantime, I was online and noticed that IRS does not charge for a tax id number and was going to call bank to have it stopped but then someone from XXXX XXXX called me. I was livid at this time and told them I thought their company was misleading consumers, that I did not want their service, that I was not paying them and I wanted to speak with a supervisor. THey put me on hold and after about 20 minutes, I was disconnected. At that time, I contacted the bank who said they would investigate. I just received a letter from the bank, stating they deemed the transaction legit and are now, at this time during the coronavirus outbreak no less, recharging my account {$240.00} in 3 days for something I never received. It also took me 2 days to get through to the bank and the and are not helping either. The point is I never received a tax id from XXXX XXXX XXXX and just want the bank to not process the charge which I tried to convey with them this morning to no avail Here are the facts : I went on this site that looks like an IRS site and paid {$240.00} for something I never received. There is no disclosure on the terms and policy page of XXXX XXXX XXXX that they are not part of the IRS.
I told XXXX XXXX XXXX I did not want the service, wasn't going to pay for it, and never received it.
The Bank, TD, could show me no documentation that I received the tax id via email so how they said this was deemed valid, I am not sure.
The outcome is that I received a tax id number free from the government site. I did not receive a tax id from XXXX XXXX XXXX.
I would like TD bank not to take this money from my account tomorrow. This XXXX XXXX XXXX is clearly misleading, there is nothing to disclose to the public that they are not part of the IRS and non suspecting consumer would clearly think they were legit. TD Bank should be able to protect their clients better especially when a product has not been received regardless how misleading XXXX XXXX XXXX is being with the public.
Please let me know if you can help.
THank you XXXX
|
| 06/20/2016 |
Yes |
|
- Closing/Cancelling account
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|
Web |
Servicemember |
|
Approximately XXXX three months ago I was informed that my credit limit had been reduced due to inactivity. I DID NOT receive any notification prior to, that such action would be taken on my account. When I inquired about this change I was notified that I had not used my card in over a year.
I am an XXXX military member in the United States XXXX and there are times that we are XXXX, transfer and/or have obligations that do not afford us the opportunity to use retail cards as normal. That was the case for me in which I was XXXX in XXXX 2015 for seven months, returned and immediately transferred. It was during that time that the year passed.
As I inquired as to how to restore my credit to the previous limit I was told that I would have to request a credit limit increase. Please let me inform you that the reduction of my credit limit affected my credit score and to have to go back again and request a credit limit increase for what I consider no fault of my own would again affect my credit score.
Approximately one month ago I did attempt to use my card online to purchase some storage boxes, the card was denied. I attempted a few days later in the store, feeling that the card was just not working online again the card was declined. The manager of the store was kind enough to still allow me the benefit of the 5 % after he could see that I had a legitimate card.
And now I received notification that my account will be closed, " It 's our policy to close accounts that haven been used in 18 months. '' I believe that I have done all that I should as a consumer to have a positive account with your company but there is little to no support for personal situations that apparently do not fall within your companies approved standards.
I am trying very hard to improve my credit score so take any action against my credit seriously.
I feel that more communication from your company to consumers would allow you to better gauge the situation of your consumers instead of making decisions in a vacuum. I would like my credit limit restored, I do not care to have it increased just back to what it previously was ( {$300.00} ) and a new card issued. Now that I am settled from my transfer and will be stable for the next few years the use of the Target card will easily be accomplished.
|
| 04/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
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During the first week of XXXX, I was informed TD Bank initiated to close my account and I would receive my remaining account balance in form of a check sent through the mail. Since that time, I have gone to the branch multiple times, stood for long hours under the sun, and on some days in the rain-soaked wet which made me very very unhappy because I am sick ( being in those conditions is dangerous for my health ) and after all those distressing waits the only answer I kept on getting was " the account is not closed yet but will be closed and I would receive a check in the mail. '' When will it be closed? Why is it not closed yet? I never got an answer to those questions.
I resorted to getting somebody from a different office on the phone hoping that they couId help me solve this issue but I was just taken back to the same problem. I spent so many hours on the phone to be repeatedly told by each and every customer care agent the same exact thing that I should go to the usual branch I went to on XXXX XXXX XXXX XXXX and they would close the account then they would either hand me a check or send it in the mail. This never happened and whenever I went to the branch office I had to go through the same heart-breaking experience. Imagine yourself going to the bank about twice a week, WITH A HEALTH CONDITION standing under the sun and sometimes under the rain. This could cause me serious health consequences during a time when any sickness could be fatal.
Today the branch manager XXXX XXXX XXXX told me the same thing he has been telling me for the past months that he is sorry but there is nothing he can do for me and this is out of his hands ; how is this a solution from a branch manager. An account closure is not so complex but why is my situation different? I never had an answer to that. I told the branch manager I am honestly very annoyed and have tried my best to be as humble and polite as possible but it is clear they are unwilling to help me.
I have tried every possible polite way to get this resolved. Frankly, I am very angry and disappointed. I have suffered physically, financially, and mentally just to get an account closed. I should not have to go through all of this just to get my money back.
Please help me close my account and send me my balance. Thank you
|
| 12/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/XXXX while in XXXX XXXX with friends we were at a bar and were talking to some people we met there. I was speaking to a young couple that seemed friendly i notice that when i went to atm machine they had followed me and stood next to me as I withdrew {$600.00} we continued to talked for several minutes and me and my friends left the bar the man from the couple gave me a hug goodbye. now back at my hotel i noticed my phone and wallet were gone, very upset it was late so i went to bed. i got up early XX/XX/XXXX took a XXXX to the XXXX store got a new phone and went back to my room and called TD fraud and cancelled my debit cards as well as my other credit cards. During that time period the people who stole my debits cards and must have saw me use my pin at the bar racked up {$9300.00} in charges at several stores and ATM machines. When I got home I went to TD Bank that monday XX/XX/XXXX and filled out a fraud report list all of the false charges. A week or so later i was told by letter TD felt fraud did not occur due to the fact after i cancelled the cards there were no attempts to use them. this is false there were indeed two attempts to use cards after i had cancelled them. I refiled my case they again declined to cover the false charges. I was told to get local police report which I did and refiled for a third time with a promise from TD Bank disputes and Claims would call me directly which they never did by again refused to cover my charges. I have two witnesses that will attest that I was with them during the time period my cards were being used all over XXXX XXXX. Ive used TD Bank for over 15 years with no issues. I asked TD Bank to please pull video tape from ATMs the cards were used during time period after my wallet was stolen and the refused to do so. I asked them to please look at store video footage to see who indeed used my cards and they refused to do so as well. Their whole basis of refusal to cover my loses Im told were based on the fact the cards were not used after I cancelled them HOWEVER I was told by TD BANK customer service there were indeed two attempts to use my cards. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX phone XXXX obviously did not do their due diligence in investigating my case. I sincerely request your help in this matter
|
| 05/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
To whom it may concern : I have had a TD bank credit card since XXXX as I am told by them. I do not personally remember when I opened the account. It had a XXXX limit. I have been a member of TD bank and currently have other credit cards of theirs for years, since back when TD bank was XXXX XXXX. I have good credit and have never had delinquency issues with TD bank and have an excellent payment history. I had a credit card with them that I did not use for a period of time so I received a letter from TD bank in XX/XX/XXXX saying that if I did not use the card they would cancel the card on me. So since I did not want to lose this card I decided to start using it. I proceeded to use the card for 2 months charging over 800.00 on the card. The card was set to expire in XX/XX/XXXX and I thought I would get a new card in the mail since I proceeded to use the card and pay 2 monthly statements. I called up TD Bank and asked them when I would receive my next card. TD bank told me that they canceled the card and would NOT send me a new card due to inactivity.
I told them I was using it and they knew I was using it! They still said that since it wasn't used for a period of time they were canceling it on me. My question is why did they send me the notice letter if they were cancelling me anyway!!? I felt robbed out of XXXX because I would not have used it but for the notice letter I received. But it isn't about the money but the fact that they canceled my credit card period, my revolving line of credit. TD told me I could reapply if I wanted to, knowing that that would cause a pull on my credit just so they could deny me or give me a lower limit! I feel robbed because I did what I was supposed to by using the card and paying 2 month 's statements.They should have done what they said and allowed me to keep the card open. I also called TD later to ask them to withdraw my wife as an authorized user and they told me I couldn't because the card was in canceled status. I lost my points also on anything that I bought. This is not right and I am formally requesting a complaint against TD credit card services and bank. I want my credit card opened up again, not only for use if needed but also so I can remove my wife from the account, so she isn't strapped down with debt that is mine.
|
| 03/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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This is a complaint with TD Bank in regards to a credit card I have with them. Back in XXXX we missed a payment that was due on XX/XX/XXXX as well as missed a payment that was due on XX/XX/XXXX. We again missed a payment on XX/XX/XXXX but paid the next day on XX/XX/XXXX. So according to my calculations, we were only ever 61 days late for a payment, which is the largest lapse in payment on our TD credit card account. When we called to make the payment on XX/XX/XXXX, the person on the phone informed us of a program called the Re-age program that would help us catch up on our past due balance which was over {$600.00} at that point. We were told that we could split up the payment to {$200.00} a month for 3 months which was the duration of the Re-Age program. Once those 3 months were up, we would go back to making the minimum payment due. Our issue is, we were told over the phone that our new payment due date under the Re-Age program was now going to be on the XXXX of the month for the next 3 months. So, XXXX, XXXX and XX/XX/XXXX. The problem is, they never noted this on our account and we didn't realize that they still had our payment due date listed as the XXXX of the month. We didn't realize this until we checked XXXX XXXX and saw that TD had listed us as delinquent payments for months and months, completely destroying our credit score. We've called TD bank numerous times since we discovered our credit score and not only has our credit score been affected but we were charged late fees erroneously. The frustrating part is, they have no records in their system that this new payment date of the XXXX was discussed, which it was. TD claimed that they would launch an investigation to go over recorded phone calls that we've had with them since XX/XX/2020 to prove that what we are saying is factual. I've repeatedly been calling TD to check on the status of this investigation and it appears every time that no investigation has been launched. If all calls are recorded as they say they are, there would be numerous call where this new payment date of the XXXX is referenced, At this point, TD has done absolutely nothing to correct this and it's affecting us trying to by a house because of the hit our credit score has taken due to TD incorrectly reporting us month after month.
|
| 12/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
In a nutshell in XXXX of last year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX realized someone had access to my information as I have been removed as the business owner from my small business phone plan with XXXX. After XXXX months of investigation they tried to charge me for the month 's prior, I left.
The second flag is towards the end of the I decided to look into the possibility of opening a small business though to increase the size of my business. Even though my business had never had a loan of any kind it was old enough to the point where it had finally achieved having a XXXX XXXX XXXX number. I was not eligible for around however and it said that I currently have a loan out that I have never made a payment on I was able to view the credit report instantly for the first and only time a business gets a free credit report. I called and inquired however they did not know who the loan was through and they asked if I would like a copy of the report which of course said yes to, and I never received it. The loan amount was substantial.
Another couple months later I suddenly receive a bank statement from a bank I have never had an account with. It was {$98.00} balance on the account but it was accruing penalties as the minimum amount to have on the account is {$100.00} without fees. I was able to call and make a little headway finding out that they were only XXXX transactions on the account, and I unfortunately was not in a place to write anything down but I recall it seemed like a similar amount for the missing amount from my unemployment and for the small business loan.
TD Bank is the holder I guess primary checking account that is indeed with my name and social security number. However after it slips that I was not the person to open this account they immediately froze his account but also refused to give me any further information.
The police report was filed, but the only statement I have is because the account went below their minimum, even though when I have audibly heard the transaction it was for significantly more. So unfortunately the police are not able to assign an investigator to the account because it has to be of at least {$1000.00} and the only thing that they have proof of is my {$88.00} that is remaining!
|
| 07/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Servicemember |
|
I opened a new checking account with TD bank on XX/XX/XXXX under an online bonus offer to receive {$300.00} after receiving {$2500.00} in direct deposits within 60 days of opening. I've copied and pasted the exact terms and conditions below : " Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank withinthe preceding 12 months, open their account online via this web page and complete the required qualifying criteria. {$300.00} bonus offeravailable to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit fundsof {$2500.00} or more into the new account within 60 days of account opening. {$150.00} bonus available to eligible new personal checkingCustomers when opening a TD Convenience Checking account with cumulative direct deposit funds of {$500.00} or more into the newaccount within 60 days of account opening. Qualifying direct deposits are recurring electronic deposits of your paycheck, pension orgovernment benefits ( such as Social Security ) from your Employer or the Government. Person-to-Person and bank transfers between yourTD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Once the offer criteria is met, the bonuswill be credited into the new personal checking account no later than 140 days from account opening. Account must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus ''.
I previously held a TD account until XX/XX/XXXX, at which time I closed this account. It was 19 months before opening another account, clearly making me eligible for this bonus per the terms. I had several direct deposits into this new account over the first 2 months, accumulating well over {$6000.00} in direct deposits from salary. After 140 days I have yet to receive this bonus and when reaching out to the bank they state since I've had an account before they will not honor this offer, even after pointing out it had been over 12 months since holding a checking account with them. I have completed all required terms and satisfied the stated requirements per their advertised contract, yet they are refusing to honor their promotion.
|
| 11/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
This is my second case ( first case : XXXX ). TD failed providing a resolution to the previous case I opened. They are unable to justify the remaining balance and on top of that they added late fees and additional charges of XXXX cents daily. Not only TD never sent a bill for the remaining balance, they never told me anything about it during my calls with their customer service. My last payment was of {$1900.00} and was the exact amount they told me it was remaining on my car loan after I made previous payments to pay my car quicker. After that {$1900.00} amount was paid they told me they were going to send the car title but never sent it. I have called several times after that but they never mentioned anything about a remaining balance. I even tried to access my online account but I was unable to login, and when I called to see why I was unable to login they told me it was because mu account was closed because my car was already paid off. TD needs to send me my car title as soon as possible. After months of me requesting my car title they send through CFPB a supposed letter they sent me in XX/XX/2018, and one letter on XX/XX/2018, the, letters that have never made it to my house and I only received them because I filed a complaint through CFPB. Because of their irresponsible customer service, account mismanagement and blatant miscommunication I am unable to get my vehicles title for over seven months now and it seems they have sent my account to collections. TD cant explain where the remaining account comes from, and theyre adding fees on top of it adding insult to injury. They attached documents to the previous case that dont show where that remaining balance comes from even after their Customer Service specified my car was already paid off. They also need to listen to the phone calls from customer service when I contacted them all the times I called where they confirmed my car was already paid off. TD needs to fix this problem urgently and eliminate or erase the supposed remaining balance because there is none existing since my car was paid off as confirmed by the several phone calls I made ( requesting the car title ) and their various phone representatives that spoke to me, and the zero balance on my account when the las payment of {$1900.00} was sent.
|
| 07/05/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
I made a purchase at XXXX XXXX. I ended up getting their store card which is done through TD 's renovate credit card. We were there shopping for a long time, like almost 5 hours, and ended up buying for several rooms. We were negotiating along the way, my mother in law was negotiating with the sales man, and they kept drawing up new sales sheets, like it will be this much if you buy this stuff, it will be this much if you buy this stuff, and at the end when we made our final decisions, errors were made in copying prices over from the several pages. The receipts I have at home reflect three prices and can't be understood well, and I did say something at the store but they said don't worry, only the tax was charged today and the store card will be charged the correct difference in XXXX and you will get the bill in XXXX ( the store was closing in XXXX, even though we were shopping in XXXX ). We agreed on {$3600.00} flat but they have overcharged us. They charged us a " deposit '' that same day which we were told was equal to the tax of the items. We were charged {$340.00}, but this tax amount is the tax of a {$3800.00} subtotal. {$3600.00} less {$340.00} is {$3300.00}, which is what I expected the store card to be. I was told in store that my payments would be {$55.00} for 60 months, but when I got the bills it ended up being {$53.00} for 72 months. That is a whole extra year of money. When the furniture arrived in XXXX, except for the mattress, it did not seem like new furniture. The dining tables and chairs had scratches, and we bought 4 shelves that were also scratched up and missing the finished top that it had in the store. Also, our entry doorway molding was damaged, our hallway walls were scraped up, bedroom walls also scratched, wood flooring in living room and bedroom scratched up. I have tried to contact both the company and the creditor and this does not seem important to them. At first I didn't make payments, but I saw my credit score going down and they kept charging late fees so I started paying the minimum but I really think this situation is unfair and they are holding me hostage to a higher than expected bill, plus damages I shouldn't be responsible for. I don't know what to do and found your website through internet research. Please help me.
|
| 08/08/2015 |
Yes |
|
|
|
Web |
|
|
On XXXX/XXXX/15, I logged into the online financial service that TD Bank has made available for payments. I noted that my account had been debited for {$25.00} on XXXX/XXXX/15. I contacted TD Bank customer service via telephone and spoke with XXXX, employee # XXXX, on XXXX/XXXX/15. XXXX indicated that because my due date fell on a weekend, Sunday, XXXX/XXXX/15 and I had not made a payment prior to close of business on the preceding Friday, XXXX/XXXX/15, that my account was automatically charged a late fee of {$25.00}. They did explain that the late fee was not valid and would automatically be reversed if I make a payment by the due date. However, my account still exhibits a notation that my payment was late and notates a late fee even though my payment was made and credited to my account prior to the due date. Neither the card holder terms and conditions, or the online service terms and conditions make customers aware of this practice. More poignantly the card holder terms and conditions and the online service terms and conditions provide that payments made by XXXX on weekends and federal holidays will be credited to the account the next business day and that payment shall not be treated as late, at least as it applies to mailed payments. I expressed my concerns about this practice of preemptively charging customers late fees to XXXX, to which he replied, " that is just the way the system is set up. '' I explained my intent to file a compliant with a regulatory agency if the practice was not addressed, but XXXX was not moved by this. Although these entries as " late '' are not reported to credit reporting agencies, as far as I know, the bank is still knowingly making false entries on customer accounts regarding their payment punctuality. The practice of preemptively charging customers late fees, with or without the intent to automatically reverse the charges, is inconsistent with what is fair, reasonable and in keeping with the card holder terms and conditions intent of the application of payments. Records of late payment should only be made when a customer does not pay within the the terms and conditions as outlined in the card holder terms and conditions. I have conducted a review of my account and found that this is not the first instance of this event.
|
| 01/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX : Family of XXXX XXXX Trustee of the Social Security Cestui que XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Chief XXXX XXXX of Corporation TD BANK USA NORDSTROM/TD BANK USA XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX Account ending in XXXX Company 's Response : We sent an update to the credit bureaus and the attached letter, with copy of prior response ( enclosures omitted ), was mailed to the consumer. No follow up actions are anticipated. The letter states as follows : Im writing to confirm weve received the second complaint you filed with the Consumer Financial Protection Bureau ( CFPB ) about how the above-referenced Nordstrom credit card account is reporting to the credit bureaus. Thanks for bringing your concerns to our attention and giving us the opportunity to respond. As shared in our XX/XX/XXXX, letter response to the initial complaint you submitted, we did find that the account was reporting inaccurately to the three major credit bureaus ( XXXX, XXXX and XXXX ), and have corrected this by requesting that the credit bureaus update their reporting to reflect that the account was paid in full and charged off as of XX/XX/XXXX. Please note that our request to the credit bureaus was made XX/XX/XXXX, and this update could take up to 30 days to process. Weve enclosed a copy of our response to your previous complaint for your reference. Should you have any questions, dont hesitate in reaching out to us at XXXX.
This account needs a XXXX adjustment/Deletion of account from XXXX ( XXXX, XXXX and XXXX ) XXXX You have inaccurately reported and laid false claim against my name. This needs to be deleted as requested as you did not address this in my last complaint. This needs to be addressed still. When you respond address this issue and only this issue. On top of you negligently reporting incorrectly you have also reported on something that you have claimed a loss on and therefore needs to be deleted. You are not permitted to report or continue to report if you have claimed this amount as a tax write off as a loss. You have been paid.Not only have you been paid, but you are also requesting more money and double dipping on the money you received. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX states that all debt public and private are paid for. There is no debt
|
| 10/24/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
The selections stated are not accurate but the best answer with the selections given.
TD Bank Retail Services is doing the financing for XXXX. 48 months no interest, minimum payments. XXXX requirements is your Billing and Mailing address must be the same. That is not possible as the community I live in does NOT receive XXXX mail. They will not accept XXXX XXXX. I call XXXX and there is nothing they could do. Also due to COVID-19 I am not in primary residence. The TV was not for my primary home either. I was told to call TD Bank and have them update my address. TD Bank Retail Services Number XXXX. You try calling to see if you can get through. How can they be in business if they don't pick up the phone and assist their customers? No email either. Only XXXX. I spoke with XXXX # XXXX. The only person I spoke with he called me and advised me to place the order and then change the address.
from XXXX on hold each time 4-5 hours, NEVER spoke with someone, always disconnected. TD bank could no update my address until I have an account. The only way to have an account was to place the order. I was told by TD Bank to place the order and the call back to amend the address. I called and called 5 times all on hold 5-8 hours and NEVER speaking with someone from XXXX. The items were shipped before I could speak with anyone. I am 125 miles away form the shipping address and out of state. Many restrictions on leaving and entering states ( NY, NJ & PA ) Also the TV was too big to fit in my car and drive it back 125 miles. The address was finally updated after the fact. I had to get some to return the items for XXXX shipping. Not an easy task at all. Also the delivery was restricted so I could not change the delivery address nor could XXXX. I called many TD offices, and department and nobody could help me except that department " TD Bank Retail Services ''. They did not have an internal number to call so a few kind individuals called on their line while I was on hold. Again could not speak with anyone. I had to wait until the products were retuned so I could re-order. Now I have the bill with the incorrect amounts with late fee. I want a refund of the late fee. I have been on hold now for 2 1/2 and I am hanging up. I have contacted TD Bank again thought XXXX now was well.
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| 12/18/2019 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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It's been more than a year that I'm trying to find a way to negociate the debt I have with Visa TD Bank, if I call Visa, they tells me that they can not talk to me, the debt was SOLD to XXXX XXXX XXXX. I called XXXX XXXX XXXX and I spoke many times with XXXX XXXX, Vice President of Collection, the debt was {$18000.00}. ON XX/XX/XXXX, I received a letter from Mr. XXXX stipulating that they cut the debt to {$9000.00} to close my file. Obviously I called Mr. XXXX, and explained that I can not pay this amount in one lumps. He called me back that same week and told me, that he spoke with his contact at VisaTD bank - Mr. XXXX told me all the time that Visa TD Bank never SOLD the debt. He called me back to tell me the lumpsum can be {$7200.00} or {$1500.00} per month for 6 months. I thanked him, but {$1500.00} per month it is too much. I can pay a lower amount but in the meantime I asked if that will stop reporting CHARGE OFF on my Credit File every month, he told me that it will stop once I'm done paying the debt. He told me that he will call back his contact to see if they can do more or reduce the monthly payment. Between XX/XX/XXXX as of now in XX/XX/XXXX, I never heard from Mr. XXXX again. As I am penalize every month by TD VISA Bank that claim they SOLD the debt, but report me at all credit bureaus as Charge OFF, I called VISA on XX/XX/XXXX. Again same answer, nobody can help me because my debt was sold to XXXX XXXX XXXX. The same day I called XXXX XXXX XXXX and samething Mr. XXXX will not take my calls since back in XX/XX/XXXX. Never returned any messages since XX/XX/XXXX. - I was in a total incapacity to be helped or to resolve this situation. Today XX/XX/XXXX, Mr. XXXX took the call and told me that TD VISA Bank gave him back my file, and confirmed that's why he took the call. He told me, when I asked why he did not answered or returned my calls since XX/XX/XXXX, he said that he did not feel that I will be able to pay. - Nice and encouraging. -- Unfortunately we are turning around, as his numbers {$7200.00} lumpsum or {$1500.00} per month for 6 months, we can not have an agreement. I told him again that I can not commit myself with a high amount of {$1500.00} per month and maybe have other problems. So, the conversation stopped there. Unfortunately.
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| 07/05/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I had an account at TD bank and my mother as well and it was a security deposit box several citizens and some police dept in XXXX XXXX took it upon themselves to not notify me and took every opportunity to block and communications through phone and mail so that way they were contacted and i was not they hacked my phones and forwarded my calls and even stole my mail and got id in my name and had themselves or got a female to go and say that they were me and they recently transferred the account into a woman name XXXX XXXX of which is not even a person they have also added names to the account and had an employee in the fraud dept transferring money to the atm cards in my name as well. I received none of the money and my deceased XXXX XXXX XXXX also had one in her name and they are doing the same thing to this one. they have also made accounts with prepaid paypal and netspend accounts in my name and used those accounts to transfer the money on to those cards which they spent the money on that as well i also have child support that i received and they have somehow hacked or gained access to my account and made waytogo accounts which is a prepaid card which is not secure and stolen all that money as well i have names bc they also made copies of these cards that i now have and i have not received any of the money bc where i receive my mail the guy is giving these people my mail and i change the address on the account they call back up and change it again i need this looked into asap bc of this money and the fact that the officers let everyone know my financial situation my life and my kids lives are in danger i believe my children 's guardian 's are already dead and i have no resources to go check and no money bc every time i have something they make sure to steal it from me keeping me from finding out the truth please find out whats going on asap they stolen my phone and they also will lie and say that someone is me when i fact it is not i am homeless and have no cell phone please do not contact the police dept in XXXX XXXX bc they are involved and will just lie to you if you can go over their heads beings my communication is limited please do so and send them in person and please have them look for me and do finger prints to prove that it is in fact me.
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| 05/24/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Incorrect information on your report
- Account information incorrect
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Web |
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I worked with XXXX XXXX XXXX XXXX to settle my XXXX credit card. They told me the account was in a precharge off status and they offered me a settlement of {$780.00} due on or before XX/XX/XXXX. They said if I don't make the payment or if the payment is late then the credit card would charge off. I made the payment on XX/XX/XXXX for {$780.00} over the phone with my routing and account number. They said they would update XXXX so XXXX can update the credit bureaus. XXXX updated my report saying that i made " payment after charge off/collection settled - less than the full balance ''. I was confused so I called XXXX XXXX at XXXX XXXX XXXX XXXX who is a collection supervisor, I explained that I settled the account with them and I asked him if the account was charged off when I settled it. He said no it was definitely not charged off and his company updated XXXX that it had been settled, he told me I would have to contact XXXX because they are the ones that update the credit bureaus. I called XXXX and explained the situation. I talked to a couple representatives, one said that because I settled the account that means it was charged off and that is why it reflects that way, which is completely inaccurate information, she claimed she would put in my dispute. I talked to another person at XXXX right after that and she said she wasn't sure why it would update like that on the credit report, and proceeded to say it was probably an error in timing and when XXXX XXXX XXXX updated XXXX, she said she would put in a dispute. She then proceeded to give me the phone numbers for the 3 different credit bureaus and said to have them call XXXX to confirm the way that the account should be reflecting, that it was settled, not charged off. She also asked for my permission to speak with anyone from the three credit bureaus about my account, which I gave them permission to do. I called one of the credit bureaus and waited on hold for an hour, and when I got a live voice on the phone I told them what XXXX told me and asked them to call XXXX to verify how my account should be reflecting on my credit report - they refused to do that saying they don't make calls to creditors. I've wasted hours of time trying to get this resolved and still don't have an accurate resolution.
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| 05/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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My complaint is on how TD Card Services handled a disputed charge on my credit card, and refused to assist in resolving the charge.
On XX/XX/XXXX I had purchased a gift certificate to a business which the owner subsequently died and received no product or service. On XX/XX/XXXX I contacted TD Card services to dispute a charge. I received no communication with TD Card services until XXXX hurried voicemail left XX/XX/XXXX. I did not immediately return the voicemail, as at first I could not hear it and thought it spam. On XX/XX/XXXX I received a letter asking for documentation about my dispute. I prepared a letter documenting my steps to resolve with the merchant, supplied copy of certificate, card slip, and mailed back to TD Card Services on XX/XX/XXXX. On XX/XX/XXXX I returned the voicemail left XXXX. The representative confirmed the information I mailed had been received and nothing further was need from me. On XX/XX/XXXX I received a letter from TD Card Services stating they were closing the dispute as they were unable to contact me. On XX/XX/XXXX I spoke with a TD representative. The representative claimed that I never mailed the documentation and never returned the call. When I explained I returned the call on XX/XX/XXXX the representative disputed that, despite I could clarly see the outgoing call listed on my phone. It was clear TD Card Services refused to help. The representative stated if I mailed the materials again, the XXXX " might '' reopen the case, but there was no guarantee they would. Concerned my dispute was not going to be resolved and to protect my rights, I filed a claim against the merchant 's estate myself on XX/XX/XXXX. I then contacted TD Card Services to inform them that I had done so. I asked what documentation they might need on file in case it turned out consumer protection laws were still applicable to the purchase ( e.g. if it was discovered in the future the merchant had committed fraud, etc ). The representative indicated TD didn't want documentation or info, and that TD Card Service would refuse to assist in a future dispute of the charge. I ended the call realizing TD Card services would not protect my interests in disputed or fraudulent charges. As a result I have decided to close my account with TD Card Services.
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| 01/05/2017 |
Yes |
- Bank account or service
- Other bank product/service
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Web |
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Personal checks. Money Order vs. Certified Check. Which one has more protection? Certified Check? WRONG!!! I purchased a certified check in the amount of {$2400.00} which cost {$8.00}. We purchase certified checks as a way of the insuring the transference of funds between XXXX entities. I made the grave mistake of trusting the USPS to deliver the check without certifying it first. I simply addressed an envelope, inserted the check, and mailed it. I assumed the check would reach its intended destination within XXXX3 business days. Needless to say the check was lost in the mail. I called TD Bank to stop payment on the check. I even had the lawyer the check was intended for on the phone when I called the bank supervisor. I was shocked to find out that they do not stop payment on certified checks until 90 days after the initial check certification. The lawyer I owed us now in the process of suing me on behalf of the doctors I initially owed and I do n't know what to do. I do n't understand how certifying the check ( for {$8.00} ) really protected me. A money order would 've been able to be stopped however money orders can not exceed {$1000.00}. I would 've had to buy XXXX money orders at {$3.00} each ( $ XXXX $ XXXX $ XXXX {$2400.00} ). I was under the assumption that a bank check had more protection than a money order or personal check. Well, I was mistaken because anything other than a certified check can be stopped immediately without a XXXX waiting period. I am now trying to do everything in my power to get my money back but TD Bank will not budge. At first, the branch manager said he would stop payment. He emailed me a Declaration of Loss form which I signed, notarized, and returned. After he submitted it to his supervisors, he called and said that bank policy states that I must wait 90 days to declare the check lost. Even after I declare the check lost, I still have to wait until the bank completes an investigation before they release my my back to me. The irony is that the bank has the money in their possession as I am telling them that the certified check was lost. They would rather play a wait and see game than reverse the check. I do n't get it at all. They tell me that this is the policy at every bank, but I do n't think that is true. Is it?
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| 02/14/2022 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened as a result of fraud
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Web |
Servicemember |
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Last week, XXXX, XX/XX/2022, I received in my home mailbox two sets of checks for TD Bank accounts that I did not open, XXXX letters stating the accounts were overdrawn, and a debit card with a sticker prompting me to activate it. I have never been a patron of TD Bank, nor have I ever applied there. I applied XX/XX/2022, for a new account at XXXX XXXX XXXX XXXX online, but confirmed with them by phone that they had my application and were not affiliated with TD Bank.
When I called TD Bank, the number on the debit card to activate it, I was curious. I entered the card number, my zip code, and the last 4 of my SSN, and the recording came on alerting me that my information did not match their records and transferred me to a CSR. I gave them the account numbers and told them they were not my accounts, and the debit card number. They suggested I cut up the debit card, which I did. They tried to transfer me to their fraud department, but I was placed on hold for over 75 minutes and could not wait any longer. I hung up.
Friday morning, the next day, XX/XX/XXXX, I received another pack of checks. Same process, this time I looked up TD Bank 's number on XXXX, verified it was the one I called yesterday, I spoke with a CSR, gave them the account number, they transferred me to fraud, where I remained on hold for 48 minutes. I hung up, called back 3x but have still been unable to speak to anyone at TD Bank in Fraud. Their message just repeatedly says they are short-staffed because of COVID. I looked up the mailing address of the routing number on the checks and sent a letter to TD Bank in USPS mail demanding the same thing I'm asking for here, for my name and credit reports to be cleared of these fraudulent accounts.
Saturday morning, I received a letter at my place of business from TD Bank in XXXX telling the previous owner of my restaurant to discreetly claim an inheritance due her for a family member who passed away. Now I think I know how they got my name and personal address, we are the new owners of the restaurant, and our home office address is public record in our state because of our business license.
I have filed a complaint with identitytheft.gov, the consumer finance protection bureau, all 3 credit bureaus, and my local police department.
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| 10/28/2023 |
Yes |
- Credit card
- Store credit card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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Hi CFPB, My complaint is related to deceptive and predatory practices that I have experienced being employed by two different store-credit card agencies as it relates to promotional interest-free periods. One was on a card through XXXX XXXX XXXX ( furnished by XXXX ) and the other through a west-coast jeweler ( Shane Co XXXX card furnished by TD XXXX ).
These stores will offer promotional interest free purchases as long as the balance is paid off by a certain date. All that is good, but both employ practices where in the final months of the interest free period, they will apply payments in the excess of the minimum payment to the deferred interest that is NOT OWED to the creditor until the promotional period lapses with a balance owed to the creditor.
Using some basic numbers to illustrate what they are doing, a consumer makes a purchase of {$2400.00} with a 12 month deferred interest period and makes payments of {$200.00} a month for 12 months. The minimum payment is {$25.00} per month, interest accrues and is deferred over that period. by the time the consumer gets to month 11, they have made {$2000.00} in principal payments, with {$400.00} left to pay off. However, these two creditors ( and I am sure others ) take month 11 and month 12 payments of {$200.00} each and apply {$25.00} ( the minimum payment ) to principal balance, and the remaining {$170.00} is applied to deferred interest.
This is predatory since a reasonable consumer will figure that they need to pay off this balance in 12 months with 12 equal monthly payments of {$200.00}. Instead, they pay {$350.00} in to deferred interest in the final two months and then the promotional interest period becomes null and void because they did not pay off their balance within 12 months. This is in spite of making on-time payments towards their principal balance and being under NO obligation to pay the creditor a XXXX of interest under the clear and obvious interpretation of the creditors marketing.
In the attached email TD XXXX admits to the practice and I can appreciate the reminder, since I went through this with XXXX XXXX However, not everyone pays as close attention to their email, and this is still fundamentally stealing interest payments from customers who do not owe the interest.
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| 01/22/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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TD Bank has twice turned down my claims for fraudulent charges made on my credit/debit card. I was informed it was because the purchases were made within 50 miles of my home and that they are similar recurring charges. I have never used that ATM or sent money using the service that was used ever in all the years I have been a customer with TD Bank. I have been a customer with them for at least 15 years.
On XX/XX/XXXX I noticed charges on my account that I did not recognize or authorize. I immediately called TD Bank and filed a claim for over {$900.00}. There was an additional fraudulent charge for {$300.00} that was in the pending process so I had to wait until it went through to file a separate claim, which I did a number of days later. Please note that a provisional credit from TD Bank was issued for the {$300.00}, but not for the original amount. The fraudulent charges are as follows XX/XX/XXXX to XXXX XXXX XXXX for {$200.00} XX/XX/XXXX to XXXX XXXX XXXX for {$300.00} XX/XX/XXXX XXXX XXXX withdraw at XXXX XXXX XXXX in XXXX for {$200.00} XX/XX/XXXX XXXX XXXX withdraw at XXXX XXXX XXXX in XXXX for {$200.00} XX/XX/XXXX to Square Cash for {$300.00} ( This is the charge that TD Bank issued a provisional credit for pending their investigation. The credit was issued XX/XX/XXXX ) As I stated previously I have never had any charges to these places before.
I than went to my local police department, the XXXX XXXX Police Department and filed a police report for identity theft. This police report was immediately faxed to TD Bank the day I received it. TD Bank acknowledged to me on the phone when telling me my claim was denied a second time that the police report was indeed attached to the claim, so they have it and still denied the claim.
I asked the supervisor at TD Bank, XXXX whom I spoke with to refile the claim. She said I would need new information to do so. I do n't know what to do. I am out over {$900.00}, plus the {$210.00} in overdraft fees that TD Bank had the nerve to charge me with after the fraudulent charges hit my account and items started bouncing all over the place. I am on XXXX and do n't have a lot of money so this is really hurting me financially.
I have a print-out of the bank transactions as well as a copy of the police report.
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| 11/24/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I opened a XXXX credit card on XX/XX/XXXX approved for {$5700.00} Made a furniture purchase on XX/XX/XXXX for {$3700.00} XXXX on XX/XX/XXXX Product came damaged, we contacted the company the next day and they offered to exchange it.
On XX/XX/XXXX XXXX scheduled appointment to pick and exchange furniture for the exact style undamaged but wouldnt get new items until XXXX.
XX/XX/XXXX we received a single piece ( loveseat ) XX/XX/XXXX we received the remainder new set of furniture and it too was damaged.
XX/XX/XXXX a third exchange for a single piece was delivered.
After speaking with management and trying to get it right, we asked to fully return the product and they made arrangements to take all the furniture back to store.
XX/XX/XXXX was original schedule date to pick up but changed to XX/XX/XXXX Management issued a full refund but somehow I still had a balance of {$130.00} that some how stayed on my account. The interest fees continued to grow. I spoke with XXXX from customer service and she was unsure why I still had a balance.
I went to speak with the salesmen and Store Manager where I bought the furniture from. He ensured my balance was fully refunded. I explained that I am receiving bills that are racking up interest and late payments.
I went back and forth with the store and customer service on this matter which was a long drawn out battle.
My final balance was reported on my credit report at {$420.00} I then received a letter from TD Bank dated XX/XX/XXXX stating they received information regarding fraud. ( See attached Letter ) I then contacted TD Bank and explained that I am trying to understand why there is an amount of {$420.00} on my credit file and that no one has been able to assist me with this credit reporting. I received another letter from TD Bank dated XX/XX/XXXX from a XXXX XXXX XXXX and I have been calling her and all calls go to her voicemail. So I once again went back to the local XXXX store and received documents supporting my return of furniture. I compiled all letters, store reports, billing documents, etc. and sent it to TD Bank on XX/XX/XXXX via Certified Mail to XXXX XXXX. I have been calling the phone number listed on her letter XXXX and have no success in phone calls and no response to my written request.
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| 10/10/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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In XX/XX/XXXX my wife and I opened a checking account, an IRA and a line of credit with XXXX XXXX in XXXX, XXXX We set up XXXX automatic withdrawals ( an internet monthly service and a bank associated insurance product to cover the line of credit ). We continued to use this bank until XX/XX/XXXX when we moved to XXXX, XXXX. to a rental home. We gave them a change of address for the move to XXXX. XX/XX/XXXX, we purchased a home and opened a bank account in XXXX XXXX. XXXX XXXX was purchased by Td Bank in XX/XX/XXXX. We had left the account in XXXX open. Over the ensuing 10 years XXXX XXXX and then Td Bank continued to withdrawal from the account the monthly recurring charges for the internet service and bank associated insurance product and then once the account was empty, they would then go to the line of credit and withdrawal the amount to cover the XXXX monthly charges plus a transfer fee plus an overdraft fee plus a monthly maintenance fee. The accrued charges are now {$8600.00} worth of debt to the line of credit. Td Bank states that they sent overdraft notices but they sent them to the wrong address for 10 years. My concern, although we did not provide a new address on the second move, is how could the bank not notice an account has been dormant for 10 years and then has reoccurring late fees, continued maintenance fees associated to a XXXX balance account and continued overdraft fees with no action. How could they not notice a return to sender on every overdraft notice they received for 10 years. Furthermore, they never sent any noticed for payment until I recently attempted to apply for a home mortgage and my current bank questioned the line of credit amount. When I contacted Td Bank and asked about the fees and charges, their response was it was not their problem or fault for the fees and they requested immediate payment. Had they asked for payment years ago, the current situation would have been easily rectified and not occurred. The accounts could have all been closed and the reoccurring charges transferred to my new bank. Today, when I requested documents and statements they charged my account a fee which will now require a transfer fee from the line of credit and an overdraft fee, thereby increasing the debt on the line of credit.
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| 10/09/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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On XX/XX/18 I contacted XXXX XXXX customer service, to inquire why I had received paper statements for several months when I have never received them before ; I was signed up for electronic statements. I was informed that their credit card platform was in the midst of a " platform update '' and that my current web browser didn't support the update. Being personally aware of the IT field and software platforms I communicated that the information the customer service rep offered as an explanation was technically inaccurate. I also communicated that I did not want to receive paper statements through the mail for security reasons ; the customer service representative offered no other options to turn off receiving the paper statements and said it would last until the platform update was complete. On XX/XX/18 I attempted to log in to my online account and it seems the " platform update '' is complete and was prompted to update security questions and re-enter secure account information, including my full name, full XXXX XXXX account number, social security number digits, and security code on the reverse side of my credit card. I was also prompted to download a document from the internet in order to sign up for electronic statements only. Since I had received no official communication from XXXX XXXX or XXXX XXXX, XXXX XXXX. ( the credit card servicer ) that such a change or update to the site was occurring, I was wary of entering secure information on an unfamiliar website. I again contacted XXXX XXXX customer service to inquire about the validity of this new website and security question procedure. I also wanted to provide feedback that I was unhappy with receiving zero communication from XXXX XXXX or XXXX XXXX, XXXX XXXX. ( the credit card servicer ) of these changes to my account, what feels like careless handling of secure account information, and of the platform update which I would not been privy to unless I has called over the summer about the paper statements. The customer service representative placed the call on hold several times when I inquired to share this information and my dissatisfaction with the handling of my secure account information, and on the final hold, I was disconnected from the call through no fault of my phone service.
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| 04/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On TD Auto Finance website when you select single payment there is one line that reads Personal Checking Account Info : however no where in the terms and conditions does it state all transactions that are processed will be ran hard coded as an ACH checking transaction. Over the phone for single payments representatives ask if the payment is coming from a checking or savings account. If you setup the payment online to be recurring it gives the option to choose checking or savings. By allowing consumers to choose checking vs savings for over the phone but only allowing the consumer to choose if it is done as an automatic payment is deceptive. Hiding the wording in the title does not in fact change the responsibility of TD Auto Finance to disclose in their terms and conditions that all transactions submitted using the one time use payment function will be ran hard coded as an ACH Checking transaction. TD Auto Finance by running this transaction hard coded as an ACH Checking account despite the account being labeled as Savings in the description caused a {$25.00} courtesy pay fee on my checking account. On XX/XX/2021 I spoke with an agent and then also a supervisor in their customer support area regarding the online payment. Both agents did not feel there was an error made on TD Auto Finances side as there is the one line that states Personal Checking Account Info where you input your data. I disagreed and asked to file a complaint. On XX/XX/2021 I spoke with an agent in the complaints department who agreed with the other two agents that their website is clear that it would be pulling from a checking account. The terms and conditions that I agreed to state they are authorized to pull from the account number and routing number provided. The account the payment was pulled from was in fact a different account as the account number provided was my savings account number, however, due to TD Auto FinancXXXX hard coding the transaction as a checking account it was incorrectly routed to my checking account. The agent I spoke with in the complaints department confirmed that even with that being said their website is clear and no error is made. I asked for TD Auto Finance complaints agent to place their response in writing however he declined to do so.
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| 12/18/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
Older American |
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I wrote a check drawn on my TD Bank checking account ( XXXX Vermont branch ) on XXXX XXXX, XXXX in the amount of {$25.00} to the XXXX XXXX XXXX. The check was altered to {$250.00} by an unknown third person and presented for payment eight months later in XXXX, XXXX. The forged check was honored by TD Bank on XXXX XXXX, XXXX, as reflected on my monthly statement of account. My wife, XXXX XXXX, a co-owner of the account, filled out an Affidavit of Forgery on XXXX XXXX, XXXX and provided it to TD Bank Customer Service Representative XXXX XXXX. XXXX XXXX indicated that the matter would be forwarded to TD Bank Global Security and Investigations-US. After I heard nothing for 30 days, I called TD Bank Global and spoke with call center supervisor XXXX XXXX. He indicated that the investigation will take 30-90 days, and he will monitor the situation weekly for me from his location in XXXX. I heard nothing, and called again on XXXX XXXX, XXXX, and spoke to XXXX at Ext. XXXX. She refused to give me her last name, but told me XXXX XXXX would call the following day. He did not call. On XXXX XXXX, XXXX, I called again, and spoke with XXXX XXXX. He indicated my case was # XXXX and was assigned to XXXX XXXX at XXXX, and that she would call me. I spoke with with XXXX XXXX. She repeated what I previously had been told several times. My check was altered and presented to XXXX XXXX, which honored it, and presented it to TD Bank, which also honored it with my funds, even though it was obviously altered and presented for payment 8 months after it was written. I told XXXX XXXX I understood TD Bank had a subrogation claim against XXXX XXXX, but I did not want to wait any longer to be reimbursed by my Bank while it pursued XXXX XXXX. She promised that {$250.00} would be credited to my account. This conversation occurred several weeks ago. A XXXX TB Bank teller told me yesterday that no credit had been posted to my account. The TD Bank voicemail advertises the it provides " Legendary Service. '' I have been a customer of TD Bank, and its predecessor, XXXX XXXX, for more than 40 years. I feel I have been treated with indifference and unprofessionally by my Bank. I want my account credited with the {$250.00} that was forged against my account and honored by my Bank.
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| 04/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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I, XXXX XXXX, a consumer and natural person, was denied credit by TD Bank, N.A, when I applied for a line of credit.
Taking adverse action against a consumer is absolutely AGAINST THE LAW according to the Equal Credit Opportunity Act codified in 15 U.S.C 1691c, which emphasizes that they can not discriminate against credit applicants when the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
Pursuant to 15 U.S.C 1692k, TD Bank , N.A . is civilly liable. TD BANK, N.A, is also in violation of the following codes : 15 U.S.C. 1642 15 U.S.C. 1681m 12 CFR 1002 12 CFR 1026.1 20 ( iii ) I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit, this unauthorized use of my credit card and has caused my credit score to decrease and my business proceedings to suffer because TD Bank N.A. used my credit card and extended no benefit.
Pursuant to 12 U.S. Code 83 banks can not loan their own stock. It is clearly stated and also set in precedence with case law.
A national bank has no power to lend its credit to any person or corporation.
... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637.
This means it is not their credit that is being extended but MY credit they are denying me access to. I am aware of double banking and how they pull this off and that I am in fact the original creditor. Their role is to provide a finance charge and service my request for credit.
Pursuant to 15 USC 1602 ( j ) I have an open ended consumer credit plan. Since my credit plan is open ended and TD Bank can not lend its own stock, TD Bank , N.A . in fact has no right to deny my credit request.
Please take note that if TD Bank, N.A fails to make the reasonable procedures to issue the credit I personally guaranteed, meet my said demands below and compensate me for the use of my credit card, I will indeed make TD Bank, N.A criminally liable for all actual damages pursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o.
I have asked them to meet the following requests : 1. Issue the line of credit they used my credit card to access.
Please further in the matter.
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| 01/03/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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TD Bank is still holding the funds on a check that my daughter deposited on XX/XX/XXXX and which has cleared the makers bank on XX/XX/XXXX. Both XXXX and I have excellent credit we have both never bounced a single check in our lives and that also goes for the maker of the {$2000.00} check she deposited on XXXX XXXX who is my father who has never bounced a check in the XXXX XXXX hes been alive. When I called the contact center the first person I spoke with I believe his name was XXXX told me that the reason for this extended hold was that XXXX was randomly selected much the same way potential terrorists get randomly selected for screening at the airport. Because this made absolutely no sense especially given that Ive been working as a XXXX XXXX for 26 years, I requested to be transferred to a supervisor. That supervisor who I believe was named XXXX assured me that the representative I spoke with had provided me with miss information and that my daughters account was not randomly selected for the special hold. Instead she told me that TD Bank had reason to believe that this check which cleared my fathers bank account on XX/XX/XXXX was uncollectible. She apologized for the inconvenience and transferred me to XXXX in the fraud department. XXXX stated the same thing however she mentioned that she would put through a release of the hold that she hoped would be processed by Sunday, XX/XX/XXXX. As I write this at XXXX on XXXX XXXXXX/XX/XXXX the hold remains on this account. I would like to know why my daughters account that I am joint with has been singled out for an exception hold that is going on seven days. I would like an explanation of what information was used to make this decision. I would also like an explanation as to how this hold which we were not informed of at the time of the deposit is in compliance with regulation cc. This account has an average balance of {$20000.00} and my daughter was traveling this past weekend. If she had relied on that deposit you wouldve stranded her during her travels I have zero faith left in TD Bank and I will instruct XXXX to find a financial institution that does not treat her like a common criminal. The same maker wrote XXXX a check off the same account for XXXX in XX/XX/XXXX and it cleared then too.
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| 02/06/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/XXXX, I walked into the TD Bank located in XXXX, FL ( XXXX XXXX and XXXX XXXX XXXX ) in XXXX XXXX, FL to resolve charges that were not mine ( dispute them ) ; and obtain a new debit card ( since the one that I had was not registering all the transactions I was making. ) That day, I walked out with only a new debit card ; and was told by XXXX and XXXX, a.k.a. XXXX, that all disputes are to be made over the phone. Also, both women allege TD Bank only has one account under my name. I'm alleging they have at at least two, XXXX XXXX XXXX and XXXX XXXX, because I keep receiving mail with two names ; and I continue to see two maintenance fees. After two plus hours of trying to talk sense into these women, we got no where. I got up, and made a NEGATIVE account positive by depositing {$100.00} cash into a new account that has NONE of my history from XXXX of XXXX - XXXX of XXXX. My history should go from XXXX of XXXX to present day.
In conclusion, I've gone ahead and attached two pdf files with images that reflect what activities are NOT mine, and why TD Bank needs to place back into my account {$97.00} and remove all the XXXX and XXXX XXXX fees ; followed by all the XXXX XXXX fees, and explain how my account was made negative on XX/XX/XXXX ; but I was still able to withdrawal {$160.00} with a {$10.00} ATM fee on XX/XX/XXXX and obtain a receipt that reflects POSITIVE {$15.00}. And then use my card TWICE in XXXX, FL on XX/XX/XXXX ( after XXXX XXXX. EST ) for {$2.00} each time ; and have NO Problems ; but guess what, those two transactions are MISSING from this NEW online account. This confirms TD Bank gave my REAL account to someone else, allowed this person to create a fake account that did not pass the test. So, I had to make this " new negative '' account positive ; and that's a crime! Also, my card was never used on XX/XX/XXXX - XX/XX/XXXX ; why does this new ledger reflect that I do?
Why did XXXX have to hand me TWO different printout with the names XXXX XXXX if there's only ONE account? ( see the images in the kic attachment ). XXXX XXXX pages 1-15 ; and then XXXX XXXX pages 1-2 ( that's the new account ) and it has NO HISTORY prior to XXXX.
They need to admit they duplicated my account and I'm being disrespected ; insulted.
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| 01/16/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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After signing up for an account and, by the admission of TD Bank, meeting all of the *listed* terms of the offer, TD Bank has created requirements not in the original terms and conditions, which I have attached. I have also attached my entire dialogue with TD Bank. They just kept making up different reasons depending on who you asked, which shows lack of familiarity with their own terms : 1 ) They claimed that after signing up for an account in XXXX of XXXX and having direct deposits hit in XXXX of XXXX, that my direct deposits did not occur within 60 days of opening. This is not how the calendar works.
2 ) They then claimed that because I previously had an account, that I am ineligible for the offer. However, the offer terms clearly state " offer is available to new personal checking customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months ''. TD Bank claimed that my prior account was within those 12 months. However, TD Bank has confirmed my prior account from was closed in XXXX of XXXX where the new account was opened in XXXX of XXXX. Again, this is not how the calendar works.
3 ) Next they tried to say it was in Store only. This was found by me, publically available, online, and the terms even say " available only when opening through a qualifying website. '' - the first sentence of the disclosures. They must be confused here and be looking at the wrong terms.
4 ) Finally, and perhaps most absurd, is the claim that this violates the term " One bonus per account per Customer and can not be combined with any other offer. '' First, the definition of " combine '' is " to possess in combination '' or " to act together ''. It is impossible to have an account which has been closed for more than a year that used an offer that expire more than a year ago be possessed with or act together with an active account and offer. Second, Td Bank clearly defines the analysis to be on a " per account per customer '' basis - and concedes these are different accounts.
In my opinion, TD Bank is inexplicably disregarding its very clear terms to the point it almost seems willful, which given the constantly evolving answers that disregard even basic math, feels almost to be a bad faith action.
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| 06/07/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I have communication problems with target red card and the issuer of the card TD bank, as i seek help from both and I end up paying XXXX and I feel like the way they said they need to justify the fraud on my expense, first let me tell you as I do my best to write as cohesive as I can I might have tons of run on sentence and Im totally depressed due to the fact that target falsely reported me to credit agencies while Im trying to get help from them and in XXXX their employees told me twice that I dont need to make payment as my account under investigation well so much for that. Any way I didnt get help after the fraud was resolved but left extremely slapping account to the point made me dizzy cant understand I made purchases on XX/XX/XXXX XXXX and returned immediately as the store manager helped me to return and repurchase XXXX for Excat stuff, well when finally got hold of fraud department speaking with XXXX XXXX the fraud happened on I believe XX/XX/XXXX for XXXX and o e in XXXX in XXXX that I wasnt aver of so the fraud got fixed but she left such chaos that what ever I returned she put it back several times as purchased and returned and refused to fix target answer was they have to justify the adjustment on my expense and Im pretty much screwed said XXXX target employee and I reached out to TD bank via XXXX cause I wasnt getting help that too give me phone number that I stayed on hold several times over 1:45 or could be 2 hours I send screen shot no response no help but they wore fast to reporting me as 30 days late non payment when their own employees twice twice in XXXX told me no worries ur account its under investigation target its cheat and fraud refuse to help and they always have problems with their return cash register with receipt or on the target red card they ask for driver license and keep you accountable oh you max ur return how so when I have receipt or its on my card oh its not coming up always they have problems abusing my information hopefully someone here can hear me out over decade of being target red cardholder never been late ever and all of the sudden since they refuse to help and falsely reporting me to credit agencies. Greatly appreciate your prompt attention to this matter. Thank you. XXXX XXXX XXXX XXXX XXXX
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| 07/16/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/XXXX three ( 3 ) Fraudulent charges were debited to my checking account via debit card account. I did not authorize in anyway these charges and alerted TD Bank that these 3 charges are fraudulent and put in dispute. Charges were {$260.00} XXXX {$500.00} XXXX {$300.00} XXXX XXXX.
I have held account at original Bank XXXX since XXXX which then later was purchased by TD Bank. I had been a customer for 14 years. I personally went to a TD Bank branch and submitted Claim. Subsequently the claim was denied and TD Bank representatives asked if I wanted to re-file claim which I did 5 times since initial claim and each time claim was denied.. Denial reason was TD Bank confirmed reaching out to Merchants and the merchants confirmed chip card was used. I advised each time impossible because I was in possession of Card and indicated that TD Bank re-review my statements because the statements indicated the card in my possession was used in XXXX XXXX XXXX XXXX by me on the same date XX/XX/XXXX, paying for Hotel and getting Cash from an ATM. I was not in the United States to make such transactions. On the XXXX dispute submission I was instructed that I should get a police report which I did and was given to TD Bank in XX/XX/XXXX. Dispute was then denied again.. TD Bank sent me notices and closed my accounts in XXXX, XXXX. In the interim I reached out to all 3 merchants, XXXX responded by sending notice that TD Bank is only authorized to settle dispute and refused to provide details and XXXX, no response. XXXX did follow-up and I received notices from the Executive offices as XXXX researched and advised me TD Bank had never contacted XXXX in reference to this Claim and upon review determined indeed it was a fraudulent charge.. XXXX returned the funds to TD Bank but having closed my account I was not contacted advising funds had been returned. I was not aware so when I called XXXX at the beginning of XX/XX/XXXX it was advised to me the funds were returned and TD Bank made me get a reference number to find funds at TD Bank. TD Bank then returned in cash to me those funds but denied any reasonable correlation to XXXX for the XXXX and XXXX charges and advised me they would not return and if I wanted to pursue further I should seek legal means..
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| 10/28/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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Good evening I XXXX XXXX has taken out a Complaint against Td bank. I am notifying the CFPB again to let them know that I went back to Td bank on XX/XX/XXXX and spoke with a rep. by the name of XXXX XXXX to see if Td bank came to a resolution on the disputes? She informed me that the manager of Td XXXX XXXX XXXX had put in a claim for {$5100.00}? Which was Denied And XXXX XXXX and XXXX XXXX XXXX put in a 2nd dispute for {$2500.00}? Which was also denied. They told me that I would be notified from the bank when the disputes were finished being investigated. I was never notified, I came in the bank to be told that the 1st dispute was denied because a PIN number was used, when I specifically told XXXX XXXX XXXX anything with a PIN number was me, she specifically told me that she put that in the notes, but she didnt, XXXX was very dishonest with me, she and XXXX was very dishonest leading me on to believe that both dispute claims was put in for {$23000.00} and they was very dishonest because the claims was only put in again for {$5100.00} and {$2500.00}? No where even near {$23000.00} and both of those claims was denied and Ive been to that bank at least 3 times a week since I found out and I was never ever notified from Td bank that the 2 claims was denied until I came to the bank to get the outcome to find out on XX/XX/XXXX the second claim was denied also for another inaccurate amount. XXXX XXXX told me that they were waiting on a response from Visa and XXXXXXXX XXXX and that if it was he he would hire a lawyer to scare XXXX XXXX because 9 out of 10 the company wasnt cooperating. I ask how if Td allowed some one to go in my account and steal XXXX out. XXXX had me to go back to the police station to file for forfeiture? Those two managers was very unprofessional, dishonest, and did not do the proper protocol of their job description. They have been perpetrating to give me back my full amount it has now been over a month I have been trying to get this very unprofessional matter resolved. I have made a formal complaint against XXXX XXXX XXXX and XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX because both of these managers assured me that those claims was put in dispute for {$23000.00} and they was very dishonest because it was nottt!
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| 05/12/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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I had about XXXX dollars in my account on Friday XX/XX/XXXX. I used my debit card to withdraw cash and made 3 small dollar purchases throughout the day ( {$15.00}, {$10.00}, and {$10.00} XXXX that brought my account to {$710.00}. I paid my movers at XXXX and XXXX via XXXX, but I made a mistake on the second payment and used the same debit card linked to my bank account. I have Debit Card Advance enabled for purchases where I might overdraw, and I accepted the mistake and the {$35.00} fee because they graciously covered the {$280.00} overdraft. On Tuesday XX/XX/XXXX, however, they assessed me {$100.00} in fees for three overdrafts. I was stunned, because I did not use my debit card after I overdrew my account and in fact turned it off to make sure nothing, not even a recurring bill for {$1.00} from XXXX for my email, would throw me further in the hole and incur an additional overdraft fee. The bank can verify they authorized those payments earlier in the day but, by tricky processing times, because those payments posted on Monday overnight, when I was already overdrawn before I had a direct deposit go in on Tuesday morning, even though I made those payments when the balance was positive and had no fear of overdraft, TD Bank now says the posting time means I incurred those fees. They are more than happy to say funds unavailable when they do not want, and take the money out of my account right away because it's pending, but somehow because " XXXX closes their batch late '' I am on the hook for 3 {$35.00} overdrafts when, conveniently, the large XXXX transaction that I did later that night and do not dispute the overdraft on, nor the fee assessed, posted right away and caused a fee the next business day. This debit resequencing is fraud and is done specifically to disfavor their customers. The service they provide is valuable and when I have overdrawn I understand it's my mistake. Note that I am not disputing other recent charges when I did, nor the {$35.00} charged on Monday XX/XX/XXXX for the offending overdraft. Fair is fair. This, however, is not fair. And their deposit agreement states they'll transact in chronological order but then somehow with overdraft they disclaim all of that when it comes to fees they might be able to earn.
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| 02/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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An account was fraudulently opened in my name on XX/XX/2019 by TD Bank USA Target Credit with a current balance of {$560.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.
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| 08/06/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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We started a mortgage process with TD Bank on XX/XX/XXXX, to purchase a condo in XXXX, NY for my daughters. We never shopped around because my daughter was very happy with TD services in the past 10 years. At the beginning, they offered a 30 year old mortgage with no points at 3.5 % fixed rate. Upon request, we provided all necessary documents TD asked for and through-out the process, we requested the closing to take place by XX/XX/XXXX since my daughters had to move out of their current apartment as others were scheduled to move in the next day. TD Bank consistently assured us that the closing WILL take place on time. To our surprise, a week before the closing date, TD started asking for the same documents that we had provided and waited to the last week for employment verification which they couldve done at the very beginning. The loan officer apologized for late handling and processing the case via email and phone calls. TD abject failure to deliver what was promised, caused the closing date to be postponed TWICE which caused us extreme hardship and added costs of living in a hotel for 4 nights and I had to postpone my flight twice.
But, the most egregious part of the entire ordeal was when TD Bank inexplicably increased the interest rate to 4 % even-though we had a locked-in rate of 3.625 %, literally two days before the closing and after hundreds of phone calls, emails and texts begging them to honor what was agreed upon, they wouldnt budge and presented some bogus and questionable reasoning and justification. We strongly feel that TD kept us hostage and knowing that we had our belongings in a truck and living in a hotel, we had no other choice but to accept their unfair deal since we couldnt walk away. This was nothing but an extortion which I brought up to the attention of most TD staff including the Regional Sales Manger, but they couldnt care less.
We even asked for some type of compensation for our additional expenses by a way of waving or reducing some of their fees and charges to no avail.
Most attorneys and people involved at the closing which finally took place on XX/XX/XXXX, five days later than promised, all had negative comments about TD services due to their past experiences, particularly TD Mortgage Division.
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| 05/10/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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I keep paying my credit card balance and they take my money from my bank but then they don't apply it to the available balance. My current balance will say zero but they wont let me use the card because they put my card on hold for 15 days after the payment goes through. I'd pay with my bank account. I've never been late. According to one of the phone calls I made in XX/XX/2021, the Target representative said that I'd made to many payments ( I believe it was 4 or 5 ) in XX/XX/2021. I thought this was strange as all 4 payments had come from my checking account and cleared with no problem. Before the first phone call, the first thing I did to try and messaging to resolve my payment and updating my available balance issues. The first interaction with Target reps I inquired why my current balance was adjusted properly but my available balance still showed no change after paying and verifying with my bank that the funds had been removed from my account. The next two billing cycles XXXX and XXXX I tried messaging them to resolve the same issue no available balance after having paid them and funds being removed from my account. They refused to update my available balance and were no specific in why. I believe the first time I tried to call was in XX/XX/2021. I tried calling and speaking in person with a rep and was told several non specific reasons why my available balance wasn't adjusted after I'd made payment, but was unable to resolve the issue. I tried calling again in XXXX and they said I'd made too many payments in one billing cycle back in XXXX, so I started making one large payment, paying in full the balance on each subsequent billing cycle but they still didn't apply my payment each time and refused to do so when I called or inquired why. Finally, in XXXX and months after I'd made to many payments they told me my account was on hold for suspected fraudulent payments. I asked for the policy that supports such actions against my account and they said they did not have it in writing that it was a discretionary security protocol decision made by a supervisor. I've never bounced a check, cancelled a payment to them. It comes from my bank account the same way every time. They've done this to me know for four billing cycles in a row.
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| 09/16/2015 |
Yes |
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- Closing/Cancelling account
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Web |
Older American |
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In XXXX I obtained a TD Bank Credit Card. I always kept the card paid in full monthly. In XXXX I decided to cancel the card. I called TD bank and informed them I was canceling the card. TD Bank gave me the balance and I paid it in full then cancelled the card. For three years I received no statements or any other communication from TD Bank. In XXXX XXXX I received a letter from TD Bank informing me I owed {$290.00}. Having no business with TD Bank I suspected I was a victim of some sought of identity theft. I called the number on the letter. I was placed on hold for long periods of time, transferred several times then disconnected after about an hour. I attempted several more times to address the issue with TD Bank through the number on the letter always with the say result of hours wasted only to be disconnected. I sent TD Bank an E-mail and was informed by them that they could not address the issue by email and I should call the number on the letter. I informed TD Bank that I had made three attempts calling their number and had lost faith in using it. Several weeks later I received a phone call from someone claiming to be a TD Bank representative who was asking for all my personal information over the telephone, Social Security Number, Address, Birthday, Mothers maiden name, etc. Not knowing who I was speaking with I was reluctant to give my information out. Finally after giving up my birthday I was able to get some information. As it turned out when I cancelled the card TD Bank did not give the proper payoff amount and, unknown to me TD Bank left XXXX dollars on the account and left the account open. The woman I was speaking with informed me that the {$290.00} was interest the Bank was charging on the XXXX dollars they had left on the account. To me this is nothing less thee Credit Card Fraud conducted by the TD Bank. I question how many others were subject to this tactic and just paid it? TD Banks dishonesty has caused me damage as I depend on my good credit to maintain my Florida 's contractors license. I continue to receive letters, outrageous interest changes and damage to my good credit while TD Bank continues this extortion tactic. I hope you can help me and possibly the other consumers who have been scammed by TD Bank.
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| 05/18/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
Servicemember |
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My husband and I have been a banking member of TD bank for about 8 years. We not only have a business checking and savings account but also opened a personal checking and savings account with them. We have never had an overdraft, negative balance or any issues that were ever raised with the bank during this time. On Monday XX/XX/2022 we both received separate letters from the " demarketing '' at TD Bank notifying us that they are closing all of our accounts XXXX week of XXXX and the letter provided only a phone number that went to voicemail. No reason was cited and we initially thought the letters were some type of fraud scheme. After leaving approximately 6 voicemails to the number listed on the letter ; i called the customer service number on the back of the card and was advised to speak with a local branch manager. I reached out to a local branch manager who emailed the department because there is no direct contact with them client facing or at the branch level. My husband works in the XXXX XXXX, I, myself have a XXXX XXXX and we are fully aware of XXXX issues that occurs nationwide; but the bank refused to explain anything other than " they reserve the right to close without issuing a reason, '' which is totally unprofessional and left us feeling a bit like criminals. We currently have a professional medical business account with them and closing our account without any dialogue and appropriate time ( less than three weeks ) is one of the worst experiences I have had with a bank. Understanding business is business we at a minimum after 8 years would appreciate an opportunity to discuss the issue they are seeing and allow us the opportunity to maintain the relationship if we can explain, rectify or even demonstrate they are wrong. After digging into TD 's reviews and practices, it appears that this happens regularly and people never hear back or are never given an opportunity to clarify if the bank is mistaken in its assumptions. We are now in a bind to open another bank account and transfer all of our normal operations over within a short time. In writing this I am hoping TD reaches out to me and affords us the opportunity to work with them in maintaining our accounts and allowing us to correct any issues. Reference # XXXX
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| 06/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX XXXX, and XXXX ) via USPS certified mail with return receipt, this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases.
The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company.
The account was also deleted from my XXXX reports as well so in order to correct the inconsistencies between the XXXX XXXX, and XXXX credit reports, the account needs to be deleted from the XXXX XXXX XXXX credit reports.
The information for this account listed on my credit report is : CREDITOR : TD BANK USA/TARGETCRED, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$0.00}
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| 04/10/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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In a response to a promotional mailer I received from TD BANK I opened and funded a Checking Account ( XXXX ) on approximately XX/XX/XXXX. The 'Printing Code ' on the mailer identifying the specific mailer was XXXX '.
The 'Promotion ' offered a {$300.00} Bonus for opening a 'TD Beyond Checking Account ' if the following steps were followed : 1. Offer valid XX/XX/XXXX - XX/XX/XXXX and available only to addressee on mailer 2. Offer NOT Available to existing Checking 'Customer ' or prior 'Customer ' having bank relationship within prior 12 months.
2. Make {$2500.00} in direct deposits within 60 days, as well as other minimum balance requirements that the Bank acknowledged I met.
When I completed all of the requirements and the BONUS did not appear in my account, I called 'Corporate ' customer service a number of times and was finally told that I had to contact my local branch to handle the situation, which I then did.
The crux of the issue was that AFTER I applied for and opened the account in question, TD Bank changed the parameters as to who could receive the Bonus. Currently ( but NOT in XX/XX/XXXX XXXX, the 'DISCLOSURES ' section of the offer has XXXX additional sentence that the original mailer did NOT as follows : " Customers who received a bonus on a prior checking account do not qualify '' Clearly, TD Bank realized that they had omitted this stipulation in error and probably experienced other complaints similar to my own.
The local branch 'explained ' the refusal to honor the Bonus by citing the following final sentence from the current DISCLOSURES section of the mailer I received ( this is the sentence that ONLY appears in the current version of the DISCLOSURES ) " One bonus account per Customer and can not be combind with any other offer ''.
Since I had received a pst Bonus, even though it was greater than 12 months in the past, they quoted the NEW, ADDED sentence and refused to honor the offer as was stipulated in the original mailer.
I opened only ( 1 ) Checking Account, and I did not 'combine ' it with any other offer - I do not see how this invalidates my position!
I have copies of all mailers, documents, etc, should they be required.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX
|
| 08/26/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
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Web |
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On XX/XX/XXXX and XX/XX/XXXX of this year, TD Bank imposed overdraft fees and processed transactions in such a way as to cause excessive and unnecessary overdraft fees against my checking account. This is currently occurring again, and my account now sits at - {$15.00} as I have been assessed {$140.00} in fees over the last month, while my wife recovers from a XXXX XXXX XXXX an we have XXXX small children to feed.
When I contacted them via secure message, I was first told that they could not help because months ago, they reversed a fee that was caused exclusively by an automatic transfer from my TD checking account to my TD savings account. I immediately reversed that transfer, before the fee was even imposed, and the money never left their bank. After that I received generic responses and finally, no response.
On XX/XX/XXXX, an online utility payment came through as TWO charges ( without warning ), splitting the actual payment from the fee. Of course they run the payment first and then the small service fee, triggering 2 overdraft fees in the amount of {$70.00}.
That same day, there are a number of XXXX and XXXX transfers finally released - but not before they process a phone payment. They save that fee for the next day, though, so I'm not expecting it and they can lump it in with another one.
So then AGAIN, a transfer requested on the XXXX wasn't acknowledged until the next day, after a gas run that it would have covered. Another {$70.00} in fees, for that and the previous day 's phone bill. If not for the {$70.00} in initial fees, we wouldn't have accumulated the second {$70.00}.
TD Bank claims that they process payments and whatnot in the order they're received, but they don't. They hold things in pending status, they lump together overdraft fees to suit themselves, and they refuse to work with us. They exchanged one unfair practice for another, getting rich off the poor.
Now, most recently, they are forcing ANOTHER egregious fee on a {$2.00} XXXX XXXX trial - when the rest of the order already posted. That right there is an easy {$35.00} fee for them, plus the {$35.00} fee to pay our internet bill that had been cut off, overdrafting the account {$15.00} when we've been swamped with fees and no one there cares.
|
| 08/20/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
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Web |
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I opened a XXXX XXXX XXXX in XX/XX/2018. When it came time to make my first payment ( for a bill that was due on or around XX/XX/XXXX ), I first tried to make an online payment on XX/XX/XXXX and inadvertently entered the wrong bank account information online. This should have been an easy error to correct, but XXXX failed to notify me ( either by phone, mail or email ) that the payment did not go through. A couple of weeks later, after noticing that the payment had not been deducted from my bank account, and a couple of days before the XXXX XXXX XXXX bill due date, I attempted to make the payment again on XX/XX/XXXX with the online payment information that has been saved to my account. On XX/XX/XXXX, after noticing that the payment still had not been deducted from my checking account, I called XXXX XXXX XXXX customer service. Although I had signed up for email alerts and first attempted to make a payment several weeks ago in XXXX, that call was the first time I was informed by XXXX that my payments had been rejected, that online payments for the XXXX XXXX XXXX had been suspended, and that my XXXX XXXX XXXX had been canceled. I paid my bill over the phone with the correct bank account information ( which was deducted from my bank account the next day on XX/XX/2018 ).
If XXXX had timely informed me when my first online payment was rejected, I could have fixed the bank account information and paid the bill well before the due date. When I complained to XXXX XXXX XXXX customer service about this lack of notice, I was told that XXXX had no obligation to notify me of returned payments or account closures. In fact, I did not receive a written notice from XXXX informing me that the online payments did not get processed until XX/XX/XXXX ( with the letter dated XX/XX/XXXX, the same day I called XXXX XXXX XXXX and made a payment via the phone ). That same day, I also received a letter from XXXX ( dated XX/XX/XXXX - the day before the letter notifying me that my online payments had not been processed ) announcing that they were closing my account because of too many returned payments.
I used to be a frequent customer at XXXX but after my terrible experience with XXXX XXXX XXXX, I will avoid shopping at XXXX going forward.
|
| 06/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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In XXXX, XXXX, I contacted TD Bank requesting an extension for an forbearance for three more months. The company noted that I requested a forbearance.
On XX/XX/XXXX, I received an alert from XXXX XXXX that my credit score declined by 60 points. The report indicated that my XXXX payment was 30+ days late and it was reported to the credit bureau. I called TD Bank on XX/XX/XXXX XXXX XXXX XXXX XXXX & they noted that it was a mistake on their end and that they were supposed to extend my forbearance. I called back on the next business day XXXX XX/XX/XXXX XXXX and TD Bank informed me that they will begin the process to remove the late payment. They said this would be repaired in 30 days.
On XX/XX/XXXX, after seeing my credit score continue to decline, i called TD bank back and requested an update. TD Bank informed me that they finalized everything on their end and I have to wait for the credit bureau to make the necessary updates.
After a few weeks, I decided to dispute my late payment reporting through transunion.com. The results came back that my report was correct- I was, in fact, late in my payment and the late payment reporting remained. TD Bank never submitted the necessary information to repair my credit report to tell credit bureau.
In XXXX, XXXX, I called TD Bank ASAP and demanded an update. They indicated that they had not submitted anything to the credit report to repair the late payment reporting. After further discussions and a call back an hour later, TD Bank said that they revised my forbearance starting XX/XX/XXXX and TD bank would report the correction to the credit bureau when scheduled.
It has been 30 days and the late payment remains on my credit report.
Im requesting that this repair is made ASAP. Its been 6 months and this error has prevented me from obtaining loans & additional living arrangements, etc. In addition, Im also requesting for my forbearance to be extended an additional three months as I paid off the first three months when I made the initial request in XX/XX/XXXX. At that time, TD bank stated that I had 90 days to make 3 months of mortgage payments all at once. So I borrowed the money to make the payment. I didnt want to miss a mortgage payment and cause my credit score to decline.
|
| 01/19/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
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Our TD Auto Finance LLC auto loan was directly debited from our XXXX XXXX XXXX checking account until XXXX 2017. In XX/XX/XXXX we switched to XXXX XXXX and changed over all of our direct debit accounts. I tried to change the direct debit information for our TD Auto Finance loan online but was unable to due to technical difficulties with the the TD Auto Finance website. ( To this day the website is still not capable of making this change ). Because I could not update my banking information online I faxed in a copy of my request to change the bank account from which the direct debit was drawn. After TD Auto Finance received my fax ( confirmed by an account manager on each of the three occasions I called to attempt to rectify the problem ) it attempted to withdraw money from my Bank XXXX XXXX bank account for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. After each of these attempts I called TD Auto Finance and was told that my fax had been received and that the problem was fixed. In XX/XX/XXXX and XX/XX/XXXX our XXXX XXXX XXXX account became overdrawn and fees were applied to our account. The account still exists but we do not fund it anymore. After XX/XX/XXXX I called XXXX XXXX XXXX and had them put a stop payment on any future requests fro withdrawal from TD Auto Finance. Again in XX/XX/XXXX TD Auto Finance attempted to withdraw money from my XXXX XXXX XXXX account but could not this time because of the stop payment. Because TD Auto Finance could not withdraw money in XX/XX/XXXX our account became past due without us knowing. My husband recently received notice that his credit has been negatively effected due to our past due account with TD Auto Finance even though our balance is now fully paid using the one time payment option on-line. This has been an extremely frustrating and time consuming experience. Each of the three times that TD Auto Finance withdrew or attempted to withdraw from our XXXX XXXX XXXX account I spent at least an hour on the phone with a TD Auto Finance representative. Each time they indicated the problem was fixed and each time the problem was not fixed. I am still not sure whether TD Auto Finance will attempt to withdraw from the wrong account again this month. Now our credit has been negatively affected.
|
| 06/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Loan was paid off 6 years ago. I am trading the vehicle in for a new car and when I went to the DMV to get a duplicate title I was informed that there was still a lien on the title. We don't recall ever getting a title. I called TD Bank on Monday and explained that we needed the lien release and that this was a very urgent matter as I was not going to have a vehicle to drive until I was able to get the title. I was told that the request was expedited and should take 1-2 days to get the release. When I called to check the status I was told that the release was faxed to my # as well as the DMV 's fax #. I had not received in my box but went to the DMV to check with them ( we can not contact the local branches in SC ). They had not received the fax. I called TD Bank back and was then informed that my request had just been reviewed ( 3 days after I called to file the request ) and it was take an additional 1-2 business days and the release had not been faxed. I called back on Thursday trying to get somewhere with getting the release and was told again that the fax had been sent to both # s that afternoon. I still had not received in my box but on Friday morning I went to the DMV again and they still did not have the fax. Called TD Bank again and was told that it was sent. I explained to them they must have some problem on their end because out of two fax # s neither are receiving the document. I finally received the lien release Friday at XXXX and took to the DMV to only now be informed when they tried to release the lien that it was electronic and TD Bank had never released the title. TD Bank must electronically release the lien so that the title will be printed. Why was my account not researched at the time that I put in my original lien release request and the lien released? Why was this not done 6 years ago when the vehicle was paid off? This has caused me to miss time at work with having made 4 separate trips to the DMV and hardship that was unnecessary if the lien had been released when the loan was paid off. I will now have to wait for another unknown amount of time to be able to get a drivable car since I can not provide a clean title. Expediting any request does not work as it took just as long as a normal request.
|
| 01/13/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
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|
Web |
Servicemember |
|
I applied for what was advertised as a " payment plan '' on a monitor I bought on XXXX. It was actually a credit card through TD bank I found out after. Very confusing advertising, wouldn't of applied if I had known. Anyway I bought the monitor for a total of {$510.00}. The payments were supposed to be equal monthly payments for 24 months interest free at {$21.00}. I never received anything after that, no bill or card from them. I got a call on Monday, XX/XX/2023 from what was labeled as TD bank. It was marked as spam so I called TD banks XXXX number from their website back. Spoke with a representative and explained the situation. We reported the card lost/stolen and she updated me email address to I would get updates. I tried to make a payment of {$64.00}, she said I had to make XXXX and XXXX payment plus the late fee to bring it up to date then they could waive the late fee. She then said she couldn't take it because the account # was blocked when we reported it lost and to call back. I have been trying for over an hour to get a hold of someone today XX/XX/2023. I keep getting transferred saying it the wrong place in TD bank and they will transfer me to the correct place. I have been now transferred 7 times with about 10+ hold times everytime. I still do not have a statement or card and now I can't even get to the right department. This shouldn't be that hard. I need someone to help because I do not have time to do this and they should be sending out statements properly and cards. There should be some process for handling situations like this because I am sure I am not the first. It is not fair to me that I am forced to sit here on the phone for HOURS trying to fix this because they do not have a proper process in place. It either sit here or hang up and wait for the new card that will hopefully arrive this time so I can make a payment before it is reported to the credit bureaus. I am really regretting doing the 24 months plan. I also think they need to update the discription of applying to let the borrower know that this isn't just a plan it's an actual CREDIT CARD not just XXXX XXXX... .it 's very deceptive and states no where about it being a credit card even in the fine print. To me it looks like a one time loan.
|
| 07/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
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I have TD Beyond Checking account which has been opened for several years. In addition to the Checking account I also have two savings account. My checking and one of my savings is in my name alone and my other savings is joint with my husband. XXXX the total dollars on deposit is over {$200000.00}.
On XX/XX/XXXX, we went to our local TD Bank Branch located at XXXX XXXX XXXX, XXXX XXXX PA to open a safe deposit box. We were told that based on the relationship and checking package that I have with the bank, I would be entitled to XXXX box, first year free and then 50 % off each subsequent year. They did not have a XXXX box available, and therefore had to settle for a XXXX '' XXXX ''. We were told that we would still get 50 % off the subsequent years because the box size was not available. Since that time we have been charged {$90.00} for the box without any discounts applied. About a month ago we visited the branch to access the box and inquiry on the discounts. We were told by the teller who was assisting the only Customer Service Rep that was on duty that day ( happened to be a manager ), that he was going to credit are my account for the discounts that I did not receive. The credit never was applied to my account. I then called their customer service number because it is always hard to speak to someone over the phone at the branch and explained everything to customer serivce. They reiterated that I am entitled to a 50 % discount on my safe deposit box and for me to go back to the branch as they could not handle the refund. I told them that I had already visited the branch and nothing was done and asked them to have the Branch Manager call my husband to discuss. No phone call was ever made to my husband. Today, XX/XX/XXXX I called the local branch and spoke to a woman and explained the situation. She was very snarky and told me that I would have to speak to XXXX, the manager, however he was on vacation until Wednesday XX/XX/XXXX. I told her that XXXX was supposed to call me and again in a snarky demeanor, she he was on vacation. I asked why she could not handle my request to which she replied that I would have to wait to discuss with XXXX the manager, again in a snarky manner. Unfortunately, I did not get her name.
|
| 03/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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Consumer Reg E Violation by TD Bank I opened a new savings account at TD Bank located at XXXX XXXX XXXX in XXXX XXXX with bank representative XXXX XXXX and the following events occured : - On XXXX account initially opened with {$25.00} and my incoming the rep that I would make a {$5000.00} deposit the next day. At account opening I stated I did not want an ATM or Debit Card twice, however on the third ask, I conceded and told the rep she could issue me a ATM only card with no debit capability.
-XXXX {$5000.00} check deposit made.
-On XX/XX/20 at XXXX XXXX I received a fraud alert by text from TD Bank that there was an attempted withdrawal in the amount {$760.00} from my account. Upon speaking to TD Bank representative I was informed that three prior withdrawals of {$760.00} each were already made - which I did not receive a fraud alert for.
-The ATM card never arrived to my residence in the mail.
-Three withdrawals totaling {$2200.00} were taken from my account at TD Bank located at XXXX XXXX XXXX XXXX XXXX follows : XX/XX/20 at XXXX XX/XX/20 at XXXX XX/XX/20 at XXXX -Once alerted of the above I filed an ATM claim # XXXX on the same day ( XX/XX/XXXX ) -On XX/XX/XXXX upon calling TD myself I was informed that the claim was declined. Subsequently I filed a new ATM claim # XXXX and informed the representative that I would be filing a police report.
-XX/XX/20 Police Report Filed -On XX/XX/20 ( Saturday ) upon receipt from the XXXX, I forwarded my police report to the regional manager XXXX XXXX and Assistant Manager XXXX XXXX.
-XX/XX/XXXX Monday morning I received a call from XXXX XXXX informing me my claim was declined again based on the correct PIN code being used. Keeping in mind that I never received or activated a TD Bank ATM card or otherwise.
-Ms. XXXX stated she was reopening my claim on XX/XX/XXXX. I am awaiting the requested claim number.
-I communicated to the Bank that I believed my personal information was compromised at TD Bank itself and that my PII was not protected by the Bank as it should be.
-I asked the Bank to provide me with the phone number used to PIN the ATM card, but was not accommodated. I asked the Bank to pull the video of the withdrawals being made, but was not accommodated.
|
| 06/01/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
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|
I am unable to close my account and withdraw my funds from TD bank within a reasonable amount of time. In my experience trying to resolve this with TD bank, I was came across predatory practices that allow TD bank to withhold funds from customers. They have put many inconveniences, delays, and barriers that prevent customers from accessing funds in a timely manner.
I wanted to close my TD bank accounts and had about {$22000.00} in there that I wanted to transfer out. I first tried to transfer the money through their website, but it said there was a 30 day rolling limit of {$5000.00}, so I called customer service to see how else I can access my funds and close the account.
XXXX/XXXX/23 : I called TD bank, and explained the above situation to the representative. I asked them to close the account and issue me a check for the funds I still had in the account. They went through several inconvenient, unreasonable, and non-viable options with me : -they can only close my account if I had a zero balance. But they could not issue me a check to zero my balance because the largest check they can send is {$100.00}.
-withdraw funds by going into a bank : There are no TD banks in southern california where I reside.
-withdraw funds using a debit card. This is much less secure than a online transfer, especially for substantial amounts of money.
-withdraw funds using a check. It takes 2 weeks to order checks, compared to minutes or days for an online transfer.
-request a wire transfer from my receiving bank : I have never heard of initiating a wire transfer this way, and tried going to two different banks, both of whom where unable to do this. This wasted time and effort.
XX/XX/23 : Since the wire transfer did not work, I call TD bank again to discuss other options, but was told there was nothing else they could do, and that the limits are their for my own security. The limit for external transfers from TD is {$5000.00} every 30 days. This is very low. In contrast the limit for transfers in to TD is much higher, {$20000.00}. I was told that the limit is low because my external account hadn't been connected to my TD account for more than 90 days. That is a absurdly long amount of time to withhold a customer 's funds for.
|
| 09/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Hi TDRC/XXXX ; how are you doing? Listen, I'm really shocked that I'm reaching almost 90 days counting on the last dispute that i sent to both the creditor and credit bureaus base on the way this account is reporting but yet they've failed to respond. There is absolutely no way that this can take this long, despite the fact that we're facing COVID-19. Impossible! It also continues to report incorrect dates of last active, dates of last payment, 1st date of delinquencies, etc. It's not right! I was told that the account needs to report 100 % accurately according to the law and it also needs to be verifiable! This account is not verifiable and it's incomplete. Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
|
| 03/02/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I am writing to complain about excessive overdraft fees on my TD BANK checking account.
NOTE : I am intentionally enrolled in the TD Bank Debit Card Advance program which allows me to overdraw my account for a {$35.00} overdraft fee. Although I think this is excessive, I accept this in exchange for the ability to overdraw my account occasionally.
What I DO NOT accept is incurring multiple fees due to the methods banks use to process and post my transactions.
For example, on Friday XX/XX/2017 I intentionally withdrew {$100.00} cash from an ATM expecting a {$35.00} fee. That was the last time I used my debit card. When I checked my balance today, it showed an additional {$140.00} fee due to transactions the bank says occurred on Monday XX/XX/ They explained this is due to processing delays.
They credited my account for {$35.00} as a courtesy and said they could provide no more credits due to an annual limit on fee credits.
I firmly believe banks are taking advantage of delays in processing as a way to charge excessive fees. From my POV, I watched my balance and made charges which were approved by the bank because the funds were available. The bank immediately lowered my Available Balance after I made these charges. This works correctly.
I then needed some extra cash so I decided to overdraw my account by withdrawing {$100.00} from an ATM knowing I would receive a {$35.00} fee. This part does not work correctly.
The bank says ( XXXX ) transactions which I physically made before I ioverdrew my account on Friday XX/XX/2017 actually cleared my account on Monday XX/XX/2017 and therefore are subject to {$35.00} fee each. XXXX of these transactions were less than {$35.00}!
The customer service rep said I can turn this service off implying I am in control and it 's my fault for using the service. This is not the issue. I like the flexibility this service provides. My complaint regards the way banks abuse this feature to charge excessive fees and turn XXXX overdraft fee into XXXX claiming they can not control the way they process charges.
I believe they can if they were required to. If banks are able to adjust my Available Balance immediately, they can also use this data to determine overdraft fees.
|
| 11/18/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
In XXXX I was working with XXXX XXXX on an app for surfers and skaters and he wanted to open a credit card to use with XXXX products and services. He said he had credit and to open a business credit card he would use me as a guarantor since I had good credit. He told me that everything would be in his name and I don't have to worry about it. We go to the bank and we sign some documents, he provides some documents with the teller and they step away and they start to speak XXXX. I am told that XXXX would come back for the card and that was that. I received nothing in the mail I received nothing that TD Bank said a credit was open in your name, becuase I was led to believe that the account was opened in his name and he would get all the documents, there was not even a credit card issued for me. While searching for insurance payments on another legal case I decided to go on tdbank to see if I can access my bank accounts. XXXX and behold a maxed out credit with my name with purchases XXXX made ( personal not business ). I contacted XXXX about the maxed credit card and he lied saying that he just purchased a phone with it and everything is in his name. I immediately ended contact with him and proceed to contact the police report this as fraud and contact all 3 credit bureaus. I have made a police complaint on XX/XX/23 but till this day I never got the police report or a detective call me about the case. XXXX is still working on the issue while XXXX and XXXX said it was a joint account and told me to refile once I get a police report. TD Bank fraud would not let me access anything about the account and told me to go to the bank I opened it in. On XX/XX/23 I go there and they said that everything was opened in my name, and refused to provide additional information about other accounts it was tied to or the business entity itself of which I could not find online. They said XXXX was an authorized user. How can it be the primary owner was never issued a card but so called authroized user with bad credit is allowed to XXXX out the card and TD bank does not think anything of it. I am trying to find a lawyer to sue him but the resolution is to move this off my credit part and make XXXX XXXX the one responsible for the bill
|
| 07/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
As a consumer of TD Bank, I faced disrespect and disregard from the actions of this banking institution when attempting to make a simple payment on my credit card account. Mind you, Ive made electronic payments since the beginning of having my credit card account. This is my first time initiating a payment ( 1 ) in person at a local TD Bank ( 2 ) by mail.
My first attempt resulted in rude customer service by a bank teller the Washington, DC XXXX XXXX XXXX XXXX location, who refused to make the payment transaction ( meaning actually accept, look, read, and comprehend ). She also did not accept all paperwork accompanying my payment check when I submitted the check to her ( which was a letter from my mortgage company that per their instructions, directed me to submit upon payment on my account ). Ive included the completed, deposit slip that the unprofessional bank teller gave me, as she gave back my check, and directed to me mail the payment.
Note that prior to arriving at that XXXX DC TD Bank location, I visited XXXX XXXX and XXXX XXXX XXXX via the exact same credit card payment process ( with checks issued from the same company along with the mortgage companys letter ) and had no problems. Both banks customer service was top-notched unlike TD Banks XXXX DC location!
I mailed the check certified, along with the letter from mortgage company to TD Bank on XX/XX/2021. They received it on XX/XX/2021. See copies of certified and signed documents.
On XX/XX/2021, I received a letter from TD Bank stating they never received a payment. Completely unacceptable!! Moreover, the fact that TD Bank has no electronic and/or online direct customer dispute and/or procedure that allows customers to respond in situations like mine is concerning. There are no options to download and send via email anything to TD Banks customer relations department. It is 2021 and this absurd.
Per customer service Rep that I spoke with today, XX/XX/2021 : mail in a copy of the check that was submitted as payment. Hence, this letter of complaint with all my documentation. I request that this matter be solved immediately along with dissolving any fees and/or credit reporting or misleading information that state any late payment references.
|
| 01/19/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
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THIS IS NOT A DUPLICATE COMPLAINT.
At the locate XXXX XXXX XXXX XXXX, PA XXXX, I deposited a {$600.00} stimulus check at the ATM. The ATM did ask me to put in the amount of the check, so I did. The ATM showed a picture of the stimulus check and asked me if I wanted a copy, with or without an image, I picked with image. The receipt reads XXXX XXXX available {$200.00} It clearly shows the stimulus check, and all the numbers on the check, the president 's name, and economic stimulus. Checked this morning and now it's saying, we could not read the stimulus check, and to call the IRS to get a replacement check sorry! You never put the check in, so we can't send you anything, or go into the machine, get it out and give it back to you, sorry! It your own dumb-ass fault XXXX XXXX, you listened to our ATM, followed the ATM 'S instructions to also, keyed in the already varied amount of {$600.00}, and got the readable image receipt. Was also informed that TD Bank could not, would not, get the stimulus check out the ATM, because the ATM machines are managed by someone else, sorry! The people that manage our ATM 'S come every 2 weeks, came on the day of the incident, oops sorry I don't know what time, we can't reach them, I don't know, sorry! The staff here is poorly trained and unprofessional, how could you not know your job? Playing I don't know 's with somebody life. The bank could have issued me the {$600.00} until this matter was worked out, but did nothing instead. The IRS inform that they can not send me out another check, I would have to go to the website and fill out a 1040-SR form this will take months. I can't buy food, sorry! I can't pay my light bill, sorry! Take it up with the IRS, have them send you out another one, sorry! So I got to go hungry and be in the dark, for 6 to 8 weeks, while they trace a check, yep! and sorry! I called the branch at XXXX, was told to call the IRS and get a replacement, sorry! I the XXXX no help either. Your TD Bank branch people should be fired. I am without food and can ' pay bills, what am I suppose to do?
Was sobbing me eyes out TD Bank could care.
I have email the head of TD Bank 's departments.
Will take legal action if I am not compensated, your bank broke the law.
|
| 12/31/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
XXXX ) We purchased a sofa from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX ) Total bill amount was XXXX XXXXXXXX. We were offered interest free loan to finance this. So we took the interest free loan of {$3500.00} to finance this purchase at the store. This was explained to us by the XXXX XXXX XXXX XXXX ) We continued paying the monthly installments as per the bill. In XX/XX/XXXX bill we noticed there is a charge of XXXX XXXXXXXX. WE called the XXXX XXXX. We were told this is for mattress that we recently purchased and than returned at the store same day. They cancelled this purchased and have informed the lender ( TD Bank ) to refund this amount of {$810.00}. It will take XXXX payment cycles ( By XX/XX/XXXX ) to appear as credit in monthly bill XXXX ) In XXXX we noticed this amount has not been reversed. We called XXXX XXXX. They now asked to reach lender TD Bank ( Contact Number : XXXX ). TD Bank told us that XXXX XXXX interest was only for XXXX XXXX after that XXXX XXXX interest rate. This we were not informed when we took the financing for the furniture. Secondly {$810.00} is interest @ XXXX XXXX on principal loan amount as on XX/XX/XXXX. Basically what we were told that as we have not fully paid the loan in XXXXXXXX XXXX ( promotion year ), they are charging interest at XXXX XXXX on loan outstanding in the XXXX XXXX finally they will now continue charging XXXX XXXX interest rate per annum on outstanding loan XXXX ) TD Bank representative were very rude and did not listen that we were not told that interest free is only XXXX XXXX and if we don't pay off the loan fully in first year they will charge XXXX XXXX on loan outstanding in XXXX XXXX and there after.
XXXX ) We made a purchase /finance of {$3500.00} and in last last XXXX XXXX ( XX/XX/XXXX to XX/XX/XXXX ) we paid interest of XXXX XXXXXXXX XXXX ) We humbly request for waiver of this interest amount of {$1200.00}. This financing / product was misrepresented by XXXX XXXXXXXX XXXX. They never disclose that XXXX XXXX interest is only XXXXXXXX XXXX and after that it XXXX XXXX and you also pay XXXX XXXX on XXXXXXXX XXXX outstanding loan, if the loan amount is not fully paid in XXXX XXXX Kindly help us.
Regards, XXXX XXXX
|
| 05/22/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
Good Afternoon. I would like to file a complaint with TD Bank as I have been experiencing many issues with my Checking Account. My account was compromised, there were unauthorized ATM withdrawals in New York, a fraudulent mobile deposit in my account. I have been contacting TD Bank since Monday, XXXX regarding this matter and it has yet to be resolved. I was misinformed by several representatives as to what actions that I need to take. I was informed yesterday, after 4 business days that I needed to go into a local branch to file an Affidavit for the fraudulent mobile deposit. I was told by the branch that I did not have to sign anything as information is submitted electronically. A representative was very fresh on the call with me stating that she was not sure why a representative had not informed me that I have to sign an Affidavit. I was also informed that the branch would give me a copy if the fraudulent check that was deposited which, yet again I was misinformed. The branch provided me with a blank copy as they were unable to see anything. Throughout this whole complaint I filed, I have been treated as if I am the criminal, not the victim, constantly being questioned about the fraudulent withdrawals. My fianc lost his debit card and I am not sure how anyone was able to make those transactions. If my account was really looked into, it will reflect that I have never made that many withdrawals at XXXX time and I hardly ever use a mobile deposit. This is my checking account that has been blocked from any deposits, etc. I am not able to pay any bills or making any deposits, this concerns me as I am getting married next month. The bank has done nothing but question me or be accusatory and tell me to wait. Whoever deposited the check and withdrew money from account apparently has more protection than I do. Where are my rights as a Consumer?? I could see if there was a pattern of fraudulent activity in my account, however there is not. I receive Direct Deposit by my Employer bi-weekly and make the same deposits and pay the same bills every month. I am really not sure what to do at this point as the bank does not seem to value me as a Consumer, perhaps if I was a wealthy account holder things would be different,
|
| 02/11/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
In XX/XX/2017 I signed paperwork with TD Bank in XXXX, NJ for a {$15000.00} installment loan to consolidate and payoff my credit card debt. I signed up for autopay from my checking account which is with TD bank. The loan term was for 60 months and TD bank was to debit all XXXX payments automatically from my checking account. Just recently I went to apply for a auto loan and to my surprise and anger on my credit report there is a charge off for {$320.00} from TD bank. This dropped my credit scores well over a XXXX points. I contacted TD bank customer service and asked them why my last payment was not auto debited like my previous XXXX payments. They told me that the last payment was supposed to be paid manually by me. I looked at all my signed paperwork that is still with me and no where it is mentioned that the last payment was to be made manually nor was it disclosed by the bank agent when I signed all the paperwork at TD Bank in XXXX, NJ on XX/XX/2017. Both my checking account and installment account is paperless. I spoke to TD bank in the recovery department who was trying to collect a debt and he mentioned that on the intra bank authorization form is where it should indicate that last payment is made manually. I told him no where on my signed XXXX bank authorization form did is say this. He told me to contact the XXXX branch and ask them why they didn't auto debit my last payment and they would go about rectifying this huge mistake. I spoke to a assistant branch manager XXXX on the phone at the XXXX TD bank branch and she contacted the appropriate people who handle this and told me it was a clerical error and to give her XXXX to XXXX days to get back to me. Today she told me that her supervisor said that TD bank mailed be letters after they didn't take the last payment and it is my fault. I told them I didn't receive any letters from TD Bank and to provide proof of delivery. I told her that my checking account is paperless and my installment loan payments were set up for autopay when I signed all the paperwork on XX/XX/2017. I have all the installment loan paperwork and there is no mention of the last payment being manually. I believe TD bank has violated some laws in the truth and lending disclosures.
|
| 12/16/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XXXX XXXX, I went to a Car dealer by the name of XXXX XXXX. I signed the contract in order to finance a car. The contract had an APR of 6.85 with the finance charge of {$5700.00}, and The amount Financed of {$21000.00} with a monthly payment of {$330.00} for 83 months. When I got home and looked over my contract two days later I realized the car dealer had added {$3800.00} into cash price accessories. This was someone I did not realize, I went back to the dealer on XXXX XXXX to get the situation handled where the dealers manager told me it was a " accident '' they had added that fee in. So I signed an acknowledgment of cancel contract with states, " You acknowledge that the contract for the purchase or lease of the above described vehicle entered into between you and the dealer on the previous contract date has been canceled ( rescinded ) and no longer has any legal effect ''. My new contract has an APR of 5.99 with a finance charge of {$2800.00} and a amount of {$17000.00} financed with a monthly payment of {$340.00} for 59 months. When I received my first payment of the vehicle it was based on the First contract and not the second. The car dealer did not send the correct contract. I called the finance company to let them know of the situation, they told me not to worry that they would resolve the problem. A month went by and they did nothing, they told me I had no proof. So I faxed over to them my copy of the correct contract along side the acknowledgment of cancel contract.They told me this would really help them to correct my situation. Another month went by then they told me they would not do nothing unless the car dealer faxed over their copy of the contract. I had to go trough this long process in order to have them fax it over to my finance company. Finally in XXXX the car dealer faxed over their copy of the contract, i was told by the finance company they would finally resolve my problem. On XXXX XXXX they sent all the paperwork to their office to correct. In all this time they have yet to correct my payments and XXXX even after they have received all the paperwork from both parties. They seem to keep pushing my situation to the side, or they find an excuse to not be able to resolve my problem.
|
| 06/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I deposited Checks ( scanned deposit ) - {$5000.00} each XX/XX/XXXX, XXXX XXXX. I let the bank know that I filed my XXXX and that I was accessing my Birth Trust Acct SSI Trust account with my negative financial instruments. TDBank told me that I can not access these funds with a simple checking account and that I must come in and set up a Trust bank account for those transactions. But over the phone I had spoken with a customer service rep with TD Bank and she told me my funds would be released to me by the following Wednesday. I had explained my whole situation to her and she said these funds " Will be RELEASED by the following Wednesday.
I am the authorized signer on this account and I am alive and making a " Money Order '' demand that TD Bank must honor. A few days before that following Wednesday, TD Bank froze and locked my access to my checking account and online access. Now when I call online TD Bank customer service do not see a checking account ever existing for me. I do not have any past history of debits or withdrawals. It's as if my checking account never existed.
TD Bank has requested that I come in with a Living Trust so they can set up a Checking Trust account for me. This is hard to do if my funds have been frozen and I do not have access to my funds to pay to get Trust drawn up and notarized.
I should been able to access my funds NOW. TD Bank did not give me full disclosure that they were keeping my deposited checks for months and claiming them as abandoned and then making them financial instruments and placing them on the stock market and making millions of dollars off of my signature and not sharing any of the profits with me. TD Bank is acting as a gatekeeper trying to block me from my money. I demand access to my funds and demand full remedy and claim all moneys made from my banking instruments and signature through my SSI number XXXX ( to access my Trust at the US Treasury XXXX ) and Birth Certificate. I demand funds to be deposited in my restored checking account ending in XXXX.
XXXX Filing Number : XXXX 15 U.S.C 1666d UCC 3-104 UCC 1-308/UCC 3-419 HJR 192 12 USC 18 USC 8 UCC 3-603/ 3-311 without recourse XXXX XXXX XXXX Beneficiary I living flesh and blood woman who is alive
|
| 11/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This letter is regarding an ongoing problem I have encountered from Target for the past three and a half years. I opened a line of credit with Target in XX/XX/XXXX ; account number ending in XXXX. Although I have been a loyal trustworthy customer since XX/XX/XXXX and have never missed a payment ; Target is reporting my account CLOSED! This has been the reporting since XX/XX/XXXX. The irony in this is Target is reporting 40 plus on time payments. I am completely exhausted with this situation. I have put them on notice that I will be forced to report this to the consumer protection agency. I have put in over 10 or more disputes with Target in addition to XXXX. I spoke with someone from XXXX XXXX and the agent told me that although they can clearly see that the information is conflicting because how can I be using my credit card in addition to paying the bill every month on a closed account for three plus years. XXXX XXXX also stated they can not change inaccurate information unless Target agree that the information is in fact incorrect. Well to make a long story short Im at the end of my rope with this unprofessionalism. I even went so far as to request a new card number thinking maybe this will initiate some type of change in the reporting. Now Target is not reporting at all! I can not call this company anymore, I have put in hours and hours of my time with this foolishness! I just cant do it anymore, everyone I have talk to dont seem to have the ability or the authority to fix this problem. Deviating from their script is somewhat difficult for Target 's customer service representatives. Therefore, I find myself at your mercy.. I hope and pray this letter finally ends up in competent hands. I expected a much higher level of service from Target, and I am quite disappointed. Because I do not want to spend any more time on this problem, I hope you can help! PLEASE DO NOT let them say that they are reporting because they are not! This is what they have been telling me for 3 years every month to get me off the phone. They will attempt to say they are putting in a dispute and I should wait until the XXXX of the month to see the correction.. and the XXXX comes around and the same old XXXX! NOTHING!!! NO CHANGE!
|
| 05/11/2016 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
Older American |
|
I recently have tried to stop or change my auto-payment arrangement with Nordstrom rewards credit card. During the week of XX/XX/XXXX through XXXX I signed onto the Nordstrom website on four occasions and was unable to either drop auto-pay or change the payment amount from the full card amount to a lesser amount. I called three times during that week. On the first call on XXXX XXXX, I was told by the Nordstrom 's rep that the problem was my Safari browser. So I downloaded XXXX and XXXX and was unable to change the auto-pay arrangement. I called back a second time on XXXX XXXX and was told that Nordstrom had a website issue. This time they provided me with a fax number to cancel/change the autopay of XXXX. I faxed the request on XXXX XXXX. On XXXX XXXX or XXXX I checked online and nothing had changed - the autopay was still in place and I was still unable to change the payment amount from the full statement amount to a lesser amount. So I called Nordstrom again and this time they : a ) verified that there was a website issue and b ) took a verbal change to the autopay to a {$1000.00} payment for XXXX XXXX, 2016. THEN, on XXXX XXXX I received a form in the mail sign to stop autopay, and the form lectured me that the easiest way to do this was online. I signed the form and wrote an irate note on the form explaining that the website DID NOT WORK. NOW, yesterday, XX/XX/XXXX I received ANOTHER, DIFFERENT FORM IN THE MAIL, BASICALLY lecturing me again to make changes online and saying that nothing would change until I either made the changes online or mailed in this second different form. NOW I HAVE NO IDEA WHAT IS GOING ON!!!!!!!!! Have they changed the amount I am supposed to pay from the full statement amount to {$1000.00} for XXXX XXXX? Has the autopay been cancelled all together? Am I still going to pay the entire statement amount? WHAT IS GOING ON???????? After three phone calls with different instructions, multiple letters telling me to do different things, and a nonworking website I have no idea. Finally, if no payment is taken out I do not want to be penalized for a late payment because I have repeatedly tried to fix this and pay more than the minimum. Nordstrom card services are treating me horribly.
|
| 05/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have had a Nordstrom credit card since XXXX. The credit limit on the card was {$20000.00}. I had a baby XX/XX/XXXX. During my maternity leave I used the credit that was available to me because our family income was substantially reduced due to maternity leave. My husband and I are both at work now and normalizing our finances.
Approximately XXXX weeks ago I took out a personal loan to pay off XXXX tradelines including the Nordstrom credit card because doing so would lower my payment. I paid off all but {$500.00} on the Nordstrom tradeline. The primary benefit of taking out the loan was to create slack between the total quantity of available credit and the total quantity of credit I am using, to drive up my credit score.
A week after paying the Nordstrom credit card Nordstrom involuntarily changed my available credit from {$20000.00} to {$500.00}. Nordstrom is now artificially reporting that the {$20000.00} tradeline I have been paying on for almost 20 years was a {$500.00} credit line over the life of the tradeline, which is a lie that damages my credit score. Nordstrom has erased my credit history of paying a {$20000.00} tradeline for almost 20 years and has ensured that my credit score can't improve by taking away the slack I created between the total quantity of available credit on my Nordstrom 's tradeline and the total quantity of credit being used on the Nordstrom tradeline.
I would have been better off paying off the Nordstrom tradeline completely and closing the line instead of leaving a {$500.00} balance to revolve in an effort to improve my credit score. The reward we get for paying off a large credit card is to have Nordstrom 's lie about the size of the loan we paid on for almost 20 years and to be stripped of the slack we created to improve our credit score.
Per Nordstrom 's own attached credit reduction letter, the reason my credit score is low is because I have high balances on my credit cards. So the moment I create slack on the cards to remedy the high balances, Nordstrom responds by immediately destroying all of the slack I created, and in so doing wittingly driving down my credit score. Nordstrom is perpetuating the problem that Nordstrom is using to justify denying me credit.
|
| 04/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
I am writing to the CFPB today to report what I feel is unfair practice by TD Bank. On or around Monday XX/XX/XXXX, I applied for a personal loan in the amount of {$13000.00}, this loan was for the restructuring of some debt, to pay off a car, and a credit card. My loan application was erroneously not submitted for 7 days by the branches asst. Manager XXXX XXXX, I finally got ahold of XXXX on the XXXX of XXXX ( after 6-8 calls and messages were left with her ) to let her know that I recieved no update about the status of my loan, which was promised to me within 24-48 hours. She told me that day ( XX/XX/XXXX ) that my loan had been declined. On friday, XX/XX/XXXX, I met with my father at another TD bank branch so that he could cosign another loan application for me, as this money was very important to me. On Saturday, XX/XX/XXXX I got a letter in the mail stating that the loan application ( the one erroneously sent in late ) made on XX/XX/XXXX, was, of course, declined. This started a VERY stressful saga for me that as of Tuesday XX/XX/XXXX finally culminated in me closing on a loan in the amount of {$13000.00}. However my issues go further. Roughly {$470.00} of this loan was used to close an existing loan, which was closed XX/XX/XXXX at the time of closing, the loan was removed from my mobile banking application. However, the morning of the XXXX I checked my banking app for TD bank, and found the loan amount for roughly {$470.00} had reappeared. I talked to the branch asst. Manager who closed my loan, and she stated that the loan was closed, but due to how close the time was between closing and my payments coming due, that I would end up paying an additional {$230.00} payment towards this already closed loan, which would effectively be giving TD bank, an interest free loan that theyre *Supposedly* going to be refunding me in 7-10 days. I urge the CFPB to do everything in your power to please look into this as soon as possible, as I feel this is predatory, and with todays technology issues like this should not exist.
Edit - I did not realize at this point in time that I would have the ability to send documentation, all of which I do have, I will get it scanned and digitalized for your use upon request.
|
| 11/22/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
I received a letter from XXXX XXXX XXXX ( servicer to TD Bank XXXX, NA XXXX dated XXXX XXXX, XXXX. It is styled like an official letter having to do with my account ( it was not styled as a promotional mailer ). It stated : " We noticed that you have n't used your XXXX Credit Card in a while so we wanted to ley you know that it 's our policy to close accounts that are inactive for a significant period of time. To prevent your account from being closed due to inactivity, you need to make a purchase with the card. '' The letter then went on to detail some current promotions.
I believe that this letter was a deliberately misleading attempt to induce purchases on the credit card. I do not believe that there is a written " policy '' on activity. I could not find one on the website, it is not part of the credit card agreement and finally, when I called an agent, she was unable to provide me with or direct me to a written policy. Rather, when I asked the purpose of the letter, she explained that instead XXXXt wanted me to know that I should use my XXXX credit card to do my holiday shopping and to take advantage of promotions.
I believe XXXX / TD Bank is trying to manipulate people in to using this credit card instead of using other forms of payment at XXXX. I come to this conclusion for a number of reasons : I am a card holder in good standing and with excellent credit, my credit card says " Good through XXXX '', I made a purchase within the last 9 months, no other credit cards send me mailings of this nature and I was unable to find a " policy '' of inactivity. But most of all, I believe it is a manipulation because it really worked! I started to think about how and when I could get to a XXXX to make a purchase so that the card would not be taken away from me. But then I started to think more objectively about the situation and decided to investigate. I believe others will be fooled and persuaded into putting purchases on a XXXX card when they would have preferred other methods of payment.
In conclusion, I do not think XXXXTD Bank should write vague letters about unverifiable " policies '' that govern a credit card that are more likely attempts to mislead and manipulate people in to using their credit.
|
| 10/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
Older American |
|
I hope this letter finds you well. I am writing to bring to your attention a distressing incident I recently experienced with TD BANKXX/XX/XXXX, which has left me both frustrated and inconvenienced. I believe that as a consumer, it is essential for our concerns to be heard and addressed.
Today, my SSI check was deposited at TD BANK with the expectation that the funds would be available in a timely manner. Unfortunately, there was a significant delay in processing my deposit, resulting in the funds not being available until approximately 12 hours later. This delay had a cascading effect on my day, as I had several important appointments that I was unable to attend due to the unavailability of the funds.
What added to my frustration was the response I received from TD BANKs customer service. When I contacted them to inquire about the delay and express my concerns, I was met with unhelpful and dismissive answers. To my surprise, they suggested I contact SOCIAL SECURITY, which seemed entirely unrelated to the issue at hand. This not only left me feeling unheard but also left me without a satisfactory resolution to my problem.
To compound the matter, it became apparent that the delay was a result of a computer glitch or some technical issue on their end. However, the bank failed to acknowledge responsibility for this incident. In such situations, I believe it is the bank 's responsibility to ensure that customer transactions are processed efficiently and without unnecessary delays.
I am writing to request your assistance in addressing this matter with TD BANK. I believe that consumers should be treated with respect, and it is crucial that financial institutions like this take responsibility for technical issues that directly impact their customers.
I kindly request your guidance and support in resolving this issue. I hope that you can assist in ensuring that TD BANK acknowledges the problem and implements measures to prevent such incidents in the future.
Thank you for your time and consideration. I look forward to your response and any assistance you can provide in rectifying this situation.
Sincerely, XXXX XXXX XXXX Also I would like {$70.00} refund for overdraft that was only under {$20.00}
|
| 03/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I opened a Convenience Checking account ( Account No. XXXX ) with TD Bank on XX/XX/XXXX. I closed the account on XX/XX/XXXX. During the course of the account ownership, I received an account opening bonus of several hundred dollars.
Despite the fact that the bonus counts as interest income for the purposes of filing federal taxes, TD Bank declined to timely deliver to me an INT-1099 form. ( Despite the fact that all other TD Bank mail has been delivered, including advertisements for opening a credit card with them dated after my account has been closed, I did not receive the INT-1099 form. ) And because my account has been closed, I can not access the form online.
When I attempted to call them on XX/XX/XXXX, I was advised that the form had been mailed out, but that there must have been a problem with the mail. I was then advised, falsely, that I was not eligible to receive an INT-1099 because I hadn't incurred more than {$10.00} in interest. I was then finally advised that I needed to speak with a TD Bank branch to access closed account information.
I then called the TD Bank branch at XXXX XXXX XXXX, XXXX XXXX, CT, at XXXX. I was again falsely advised that I was not eligible to receive an INT-1099 because " bonuses don't count as interest. '' ( Despite the fact that I have received INT-1099s for similar bonuses from other banks in the same market. ) Finally, I was advised that I would need to physically come into the bank to receive my form, if one could even be generated at all, because TD Bank lacks the ability to communicate it to me in any other form.
My request is fairly simple : I want the tax information that TD Bank has generated for me, which I need to file my taxes and which TD Bank has presumably already provided the Internal Revenue Service. My problem is also straightforward : the procedure that TD Bank has developed for obtaining this information is complicated, inconvenient, and teeming with misrepresentations. In failing to make my tax information easily available to me, TD Bank is materially affecting my ability to file my taxes. If I miss the deadline to do so, or if I end up having to file incomplete information with the Internal Revenue Service, it will be TD Bank 's fault.
|
| 12/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
Dear CFPB : My husband and I applied for a refinance with TD Bank, where we have our accounts, of our XXXX XXXX XXXX home loan for our house XXXX from a 30-year mortgage to a 15-year loan. We submitted all the forms to TD. The first issue that was problematic was that the loan officer, XXXX XXXX, repeatedly filled out inaccurate information on our loan documents including inaccurate salary information and insurance and tax rates, and was very difficult to reach to correct the problems. While we were working to get her to correct the information, TD Bank sent us a letter that our application was denied because the bank 's appraisal of our home came in much lower than was necessary to approve the loan based on equity in the house. The appraisal was much lower than market price, lower than the town appraised our home at for tax purposes, as well much lower than an appraisal that was conducted six months earlier. Nevertheless, because the bank denied our refinance application to a 15-year loan as submitted and it would cost us additional money to contest the bank 's appraisal and request another XXXX, we requested the refund of the fees we had paid for our original request because it was denied by the bank. There is absolutely nothing in the TD loan document paperwork we signed that said these fees were nonrefundable. ( There was a special notice to XXXX residents but not to XXXX or homeowners in other states. ) In fact, bank representatives assured us our fees would be refunded if we had gotten all the information to the bank in a timely manner -- which were did -- but the bank denied the loan and that if we were n't denied, we 'd be able to receive a {$700.00} closing credit because we had submitted all our paperwork in a timely manner. Instead we are stuck with a {$600.00} charge on our credit card by the bank. By not disclosing that these fees for the appraisal report and credit report were nonrefundable -- no matter whether the bank approved the loan or not -- the bank is engaging in false and deceptive advertising of its refinance loan products and services. We request CFPB contact TD Bank to have our fees returned but also to correct this deceptive marketing issue for all other customers as well.
|
| 10/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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RE : XXXX Hello, I worked with you guys to get TD/TARGET RED CARD to follow the law under the Fair Credit Reporting Act as they stood in direct violation of them and continued to report information that was fraudulent to the bureaus despite being sent 2 police reports, FTC ID Theft Report, and mountains of paperwork. Their employees we incredibly hostile and rude all throughout and I always ended up hung up, with no callback, after a total talk time of about 15 minutes with the remaining hours stuck on hold, transferred around or " reverified. '' Target has done everything in its power to make this process a literal living nightmare that never ends. Eventually, I had had enough- and thank XXXX for the CFPB, you stepped in and shortly after I received a letter from targets " Fraud General '' apologizing and ensuring all had been corrected and all drugstores removed with credit line restored.
I waited about a month and a half and still of the bureaus were showing incorrect info I attempted to call the number on the Fraud Generals letter and it just directed me to the main consumer line where the nightmare started all over. after a month of calling every day.. they FINALLY agreed to update it after numerous lies like " payment history is controlled by a computer system and there is no way for us to edit it, and NO you can't speak to a supervisor- then hang up, or " It's illegal for us to change that even though we know its incorrect. I have asked the bureau to check on THREE times and they all keep coming back with creditor verified the information to be accurate- no change.
I received a letter today, XX/XX/2019 stating that as of XX/XX/2019 target AGAIN reported to them that the information they are giving is right and I am lying. I even sent XXXX all of the supporting documentation including the note from the CFPB and Targets fraud general. The dispute denial I received today basically says they don ' care and it will remain. It is very negatively affecting my family to move out of very horrible living conditions and is preventing me from securing any more credit the start-up business I am running. I don't know how or why they can so blazingly ignore the law- please help.
Thank You Very Much.
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| 12/24/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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Since XX/XX/2018, XXXX has failed to post and credit my automatic payments and any other payments to my account even though they debit the money from my bank the every next day. Ive called several times to get this corrected but that hasnt happened.
In late XX/XX/2018, I noticed that my payment was not credited after over a week and called XXXX. The employee told me my payment would be on hold for another 7 days and that he would not credit my payment sooner unless he called my bank with me on the line proved I actually made the payment. He asked me for my bank info and joined the calls. I became suspicious because after he yelled at me for hitting the button to bypass the prompts to speak with someone, and said I should have let him hear how much money I have. On this same call I asked him why he didnt answer when I asked him if he needed to verify anything else while on the call with my bank and he told me he didnt answer me because it was illegal for him to have done what he just did.
Each time I called back the CSR has told me they want my bank info so they can call my bank and listen to prove the check actually was paid by my bank. I repeatedly told them I already know my payments clear the next day after theyre paid and that we both already have proof of it. I also asked why they were doing this and was told they dont know and that it might be a system glitch.
The most recent CSR put me on hold for very long periods and while holding I read my credit card agreement. When she got back on the line I told her I see they are in breach because it states they are to credit payments the same day as long as its made by XXXX, or the next day, if its made after XXXX, then she asked me to hold again hung up on me. I called right back and they next CSR apologized and said she noted the inappropriate behavior of the prior agent and would help me, while she was talking someone hung up the phone again. Ive called back several times and each time someone disconnects the call.
Ive attached a screenshot of the XX/XX/XXXX additional payment I made on top of my automatic payment and as of today, XX/XX/18, it still has not been credited to my account ( do not post this attachment publicly ). Thank you.
|
| 11/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
Older American |
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Re TARGET XXXX.
I am so grateful Senator XXXX XXXX established This organization and President Obama set XXXX Director.
TARGET is attempting to collect {$240.00} which I do not owe.
XX/XX/XXXX I was hospitalized. My Son made {$20.00} payment on acct for flat screen TV.
XX/XX/XXXX acct was paid in full BEFORE year purchase.
I receive demand for {$25.00} late fee. This fee was set because My Son did not pay {$25.00} XXXX TARGET determined {$5.00} was late, therefore, I owed {$30.00}.
I called TARGET, placed messages for CEO. Contacted Billing, speaking to someone in another country advising the fee is legitimate. Having paid acct in full mattered not.
Calls, connections, TARGET reps calling to say the problem was handled. And ...
There is Collection Agency threatening lawsuit, threatening to RUIN my Excellent credit which I have worked determinedly to preserve.
I am senior, can not afford RUINED CREDIT resulting from TARGET XXXX determination to collect {$240.00} because My son, trying to help, made {$20.00} payment instead of {$25.00}.
Paying full balance as soon as I was released from Hospital, having Always paid more than {$25.00} month meant nothing to TARGET.
My TV was purchased XX/XX/XXXX. Paid in full XX/XX/XXXX.
TARGET received payments {$40.00}, {$50.00} and more. I was excellent TARGET customer. And now MY GOOD CREDIT is being ruined all because of {$5.00}.
HELP, Please.
Do not allow TARGET to ruin My credit nor XXXX, XXXX, Florida to bring lawsuit for an charge I DO NOT OWE. Thank You.
Currently I am almost homeless due to Toxic mold in My Apt XXXX I can not live in Toxic Apt XXXX
I am sleeping on Friend, Family sofas. Mail goes to RA. My Son collects when He has time. This time in My Life is nothing I would have ever expected as respectable & responsible Senior.
I can not afford for My Good Credit to be ruined especially if I must, regretfully, from place I 've resided nearing to XXXX years.
My Good Credit permitted TARGET to open Acct immediately for an almost Five hundred dollar flat screen television. Should I have to move I will require, must have Good to Excellent Credit which TARGET has determined to destroy because of not receiving {$5.00}.
HELP!
Respectfully,
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| 03/09/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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To Whom It May Concern My wife and I moved recently in the XXXX from XXXX. We both opened TD accounts in Florida using our XXXX information. Both of us were long time clients with TD Canada Trust, and had been very happy with their services in the past. This was also desirable because we were both awarded credit using our Social Insurance Numbers ( XXXX ) instead of Social Security Numbers ( XXXX ).
A few months later, I tried to log onto my Online Banking with TD and was denied access. I called multiple times and finally discovered that they had closed my account. They did so without notice, or reason. I had nearly XXXX in this account. We were on the phone with TD branch managers and TD customer service multiple times trying to resolve this issue. They refused to listen, and said I had no choice but to close the account and wait for the funds to be delivered in a form of a check.
I never received any notice that my account was closed or why they closed it, and still havent. After three months my funds were still no where to be found. I received no check. My account and credit cards were blocked and I had no way to pay my credit card. They had nearly {$30000.00} of mine and made no effort to return that money to me. I went on to file a complaint and shortly after the remitted and re-opened the account. While this is a move in the right direction, it is also admittance that they made an unfair and unjust call my closing my account. This also is clear proof that in nearly 3 months they made no effort to return my money to me. During these months I was unable to pay my credit card, which now has late charges and penalties, and I was also forced to use other credit for my day-to-day life, which has a penalty of interest.
If TD had loaned me {$30000.00} for three months and I had made no payments, they would have added monetary fines to my account and they also would have charged me interest. Just reopening my account is NOT a fair solution and I demand that I be compensated for the unjust treatment of this bank. I am asking for Interest and penalties on my {$30000.00} of {$3000.00} as well as the interest and fees that have accrued on my TD visa since they closed the account in XXXX.
Thank you.
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| 04/15/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On Friday, XX/XX/XXXX I contacted TD bank ( XXXX ) at XXXX XXXX to report that my home had been burglarized and that among other items, my wallet was taken and that I needed to cancel both my debit and credit card. While on the phone with the customer service agent, I informed them that the ATM withdrawals that had occurred overnight were not authorized by me. I also asked the customer service agent for any and all information about where and when the transactions were made, as the police were currently processing my home as a crime scene and needed as much information as possible ( a vehicle was also stolen, so this was not simply a case of petty theft ). The agent provided as much information as possible and informed me that before I could file a fraud claim, I would have to allow the transactions to " post '' and then call back. In addition to my debit and credit cards with TD bank, my wallet contained personal information such as my SSN, birthdate, address, health insurance information, etc. I completed a victim disposition, and was given a police report to bring with me when I called TD bank for the fraud claim. On XX/XX/XXXX, I visited a TD bank in person and explained the entire situation in person to a customer service agent who was by then able to file a fraud claim. I provided the copy of the police report to prove its validity. TD sent me a letter on XX/XX/XXXX stating that because the fraudulent transactions were made using a PIN ( confidential information ) that my claim was denied. However, my PIN is a combination of my SSN/birth date and the fraudster was able to guess it since he had all of my personal information available to him. There is video surveillance of the fraudster attempting my pin multiple times at the original ATM terminal before getting it correct. This is not a case of irresponsibility OR guilt by the bank 's client ( myself ), who entrusted the bank to securely hold funds. This is a case of a criminal breaking into a locked home, ascending a flight of stairs, and burglarizing my home while I was asleep, unaware in another room. The bank is not upholding its simple duty to its customer, who is a local XXXX XXXX and can not afford to be denied access to {$1200.00}.
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| 09/05/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Money was not available when promised
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|
Web |
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I sent out an international wire on XX/XX/XXXX through TD bank US to a XXXX in XXXX. It has been over two months and the receiver still has not received the money yet. There's an investigation for TD bank to trace the money. I have followed up with TD bank multiple times but there's still no result of where the money is at this moment.
- XX/XX/XXXX : initiated the wire transfer - XXXX : additional information requested by the interim bank to complete the wire. It seems like the wire went through additional security check. Additional information requested was all related to me ( my name, address, date of birth, place of birth, citizenship, country of permanent residency, ID, purpose of payment ), which I believe should all be on file. Is TD 's lack of due diligence on the wire causing the additional security hold of this wire?
- Around XXXX : after following up with TD multiple times and waiting for the case to be investigated, I went to the branch and I was told the money would come back to my account because the swift code was changed from the receiver bank to TD 's swift code and the money should be deposited in my account by the end of XXXX.
- XX/XX/XXXX : the money is still not deposited into my bank account. I called the customer service around XX/XX/XXXX and I was told the money was received by the receiver on XX/XX/XXXX. On XX/XX/XXXX, I went to the same branch I went on XXXX and I was told the money should be received by the receiver. I asked for a receipt or proof and the representative told me the manager was not around so he didn't have the access to print out the proof. He told me to go to the other branch and the other branch should be able to provide a proof. I went to the other branch and I was told the investigation doesn't have a result and was closed on XXXX without knowing if the money was received or not. The investigation was reopened. - I have been receiving the misleading information about the status of the wire from the first branch I went to and it caused further delay of the money being traced.
- XXXX : I contacted the customer service and the investigation is still going on. It has been two months and the money is still not deposited into the receiver 's bank.
|
| 03/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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On XX/XX/2019 I attempted to pay my mortgage at a TD Bank Branch. The mortgage payment coupon/slip clearly states " Mortgage Payment ''. It also has a part for you to add additional principle or additional escrow and to total. I added an additional XXXX towards my principle. The transaction took quite a while and included four members of the staff including the manager. I heard them clearly state to put the amount of XXXX in the extra principle field. I received a simple receipt stating I made a " LOAN PYMT '' in the total of my normal payment plus the XXXX extra principle.
On XX/XX/2019, my account had not been properly credited. The online account showed there was a Misc Receipt made on XX/XX/2019, and the outstanding balance of my mortgage had not reflected ANY payment since the prior month.
I went back to the branch that day and spoke with the manager, XXXX XXXX. She was one of the employees present when I attempted my payment. While with her, she contacted her account support by phone. They said my payment was used as a pre-payment for future mortgage payments, NOT as a normal mortgage payment with an extra principle deposit. Ms. XXXX explained how the local branch put applied the payment accordingly and was told something went wrong. She was reassured the issue would be corrected that evening and the change would show the next day. This change would also reflect the payment was made on the XXXX XXXX. Ms. XXXX suggested in the future I write two checks and make separate payments to my mortgage if I want to pre-pay my principle. This is a bit odd as the mortgage coupon/slip and the banks system has a spot for me to make an extra principle deposit. I was also told by Ms. XXXX that she would follow up with my payment and contact me the next day to ensure it was done properly. I have not received any contact from TD Bank as of yet.
As of today, XX/XX/2019, my account has NOT been updated. This costs me the daily interest accruing on the mortgage. It is very wrong for a bank to treat its customers this way. I do not blame the branch employees, as they did what they could have to make the proper payment. Requiring me to write separate checks to make extra principle payments should not happen.
|
| 06/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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TD bank has harassed and discriminated against me as as a mortgagee. I have {$170000.00} 30 year 5.125 mortgage loan with TD Bank. The loan amount was $ XXXX/mo. The mortgage balance as of XX/XX/XXXX is {$150000.00}. On XX/XX/XXXX TD Bank cancelled the escrow account. The escrow account balance was overpaid in the amount of {$550.00} by the mortgagee as of XX/XX/XXXX and is still overpaid by {$550.00}. All Real estate taxes and Home owners insurance have been paid in full by mortgagee XXXX XXXX since XX/XX/XXXX.
Each month the mortgagee paid the mortgage timely and correctly. The mortgage amount is XXXX/mo. The {$1000.00} has been paid and received by TD Bank. {$51000.00} has been paid to TD Bank since XX/XX/XXXX.
TD Bank list the escrow account currently as overpaid by {$550.00}. ( document Attached ) TD Bank incorrectly made the escrow overpayment by the mortgagee an amount owed. TD bank wrongfully list the monthly mortgage amount as {$1100.00}. Mr. XXXX has obtained a letter from TD Bank listing the overpayment by Mr. XXXX of {$550.00} ( document attached ). All payments have been listed as late due to the error by TD Bank! XXXX XXXX TD banks attorney, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX all have been contacted and written concerning this matter ( TD Banks Officer 's and staff ). The same information and more have been provided.
TD Bank list a past due amount of {$53000.00} as of XX/XX/XXXX. Late fee of {$54.00} X 44= XXXX.
XXXX XXXX has filed two complaints with the credit agencies. TD bank changed the amount from {$1100.00} reported to the agencies to {$1000.00} for some months but did not correct the entire situation. TD bank started with the incorrect amount of {$2100.00} on the credit report for XX/XX/XXXX. Did not list any amounts received! Then TD Bank applied a default amount with the credit agencies in an attempt to get back to the same number they started with.
TD bank has discriminated against me. The escrow account was eliminated and was overpaid at the date of the termination. TD bank owes me {$550.00} for the overpayment of the escrow account. TD Bank has charged unwarranted late fees and other fees. No mortgage payments were late and or missed.
|
| 08/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
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|
Web |
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To Whom It May Concern, I am a XXXX year old XXXXXXXX XXXX, XXXX, and XXXX XXXX human being on XXXX. I made a big mistake online and was duped by XXXX who claim free web-page making ads on-line, only to get charged {$270.00} and change. When I saw a charge for {$270.00}, I started panicking and getting very upset because there was no way for me to get a refund. That is because they do not have a phone to get in touch with. I have terrible XXXX XXXX that could easily be confirmed by the employees by TD Bank, the number 1 bank in the Americas and maybe in the world. On that note, TD Bank put my money back into my account as usual ( this was approximately 8 times in all ) as in the past occurances. I have other people in the world with my exact information being that I was hacked shortly after my divorce 6 years ago, the length of my XXXX experience being alive to experience ALL of the XXXX. along with the bank issues. Now, I have no access to my on-line account.
I did receive a letter from TD Bank to fill out any information that could further explain as to the circumstances that involved my refund request. The request did not make any sense to me to respond to the incident where a refund was requested. In other words, the dispute was for a refund. That's all. I can't state it any clearer. Hence, what information can I give them to clarify the situation. I did not respond to the additional information letter, nor did I ever in the past and I still received my refunds on all my disputes. The only difference in this situation is that TD Bank was attempting to make something out of this case due to the high dollar amount of {$270.00}. I asked for my money to be refunded on or around XX/XX/XXXX ( my dead brothers birthday ) TD Bank remitted their final letter to me demanding that I take up the issue on my own. I have tried to call, but again no success. I saw no reason to reply to a moot point.
TD Bank, located at : XXXX XXXX XXXX XXXX, XXXX, Delaware, XXXX please have my {$270.00} returned and my rights restored. Thank you, XXXX XXXX Be Fair to me. Please return my {$270.00} please. My 6 years of loyalty. My $ XXXX/mo XXXX direct deposit was compromised by more than half all FOR A REFUND!
|
| 01/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
XX/XX/XXXX An entry is made to my mortgage account by TD Bank ( TD ) in the amount of XXXX with no explanation of what the charge represents.
XX/XX/XXXX A message is sent to TD through their online customer service asking for clarification of the charge of XXXX. A response from XXXX TD Bank Digital Specialist does not answer my question and provides an XXXX number for review and assistance.
I was unable to reach anyone using the XXXX number and contacted the local XXXX TD branch for assistance who informed me the issue was with my insurance coverage.
I contacted my insurance provider who confirmed that my coverage was current, that there had been no lapse in coverage and that all notification of insurance as required had been sent to TD in a timely manner. My insurance provider resent the information to XXXX at that time. I received no acknowledgement from TD regarding that notification or clarification of the escrow disbursement.
On XX/XX/XXXX another message was sent to TD asking for clarification of the escrow disbursement charge and why my {$700.00} XXXX payment was not credited to my loan.
My XX/XX/XXXX mortgage payment to TD of {$690.00} was received by TD and listed as a miscellaneous payment.
On XX/XX/XXXX a miscellaneous receipt of XXXX appeared in my mortgage account with no explanation. I do now know what this entry represents.
On XX/XX/XXXX I contacted XXXX at TD XXXX Branch for clarification. No explanation was available.
On XX/XX/XXXX XXXX called and stated that my mortgage account was part of an audit and that she could provide no more information about the account.
My XX/XX/XXXX mortgage payment to TD of {$690.00} was received by TD and listed as a miscellaneous payment.
On XX/XX/XXXX mortgage payment to TD bank of {$690.00} was paid.
I have received no information from TD to clarify the information regarding the Escrow Disbursement nor the miscellaneous receipt on XX/XX/XXXX nor the status of my last three three mortgage payments.
This is the third complaint I have made regarding this bank and their lack of transparency as to status of my mortgage payments and their erroneous banking audit.
I have also not received mortgage statements for the past three months.
|
| 12/01/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
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Web |
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Re : Breach of contract, plying false documentation, material misrepresentation, appending fees outside of the contractTD Bank services a mortgage loan, a contract assumed from a prior originator. The language of that contract is clear and specifies the real calendar date upon which a payment is received ( conveyed ). This definition is affirmed by years of prior TD bank behavior correcting any post-dating of a loan transaction to conform to the terms of the loan contract. This is important because, the terms of the contract can not be abridged or changed by any policy or arbitrary procedure of subsequent service agents. The contract is required by law to be serviced as written for the life of the loan.
In the most recent year, TD Bank has repeatedly breached the loan contract by post dating inadequately documented transaction receipts, and altering statement details, for the purpose of quietly appending late fees to the backside of the loan.
USPS Postmarks obtained on the receipts provided by TD bank tellers show that TD bank post dates and inadequately documents payment receipts to produce a false and misleading record of the transaction. Post dating of loan payments extends from 3 - 5 days from the date that payments are actually received. The loan contract sets action in regard to conveyance on fixed calendar dates and does not provide subsequent service agent the right to alter the contract or redefine dates and/or terms, and assent is affirmed by TD banks prior actions, and those of prior service agents dating back more than a decade.
In addition to post dating loan transaction receipts it can also be shown that dates recorded on the statements do not match even non-post dated receipts. Again, the dates are altered to trigger bogus late fees which are quietly appended to the loan.
Mortgage loan servicing is bound by the terms of the loan contract - not by variable and arbitrary bank policy changes regarding deposit and checking accounts or other financial services. By failing to properly document and accurately record loan payments, and by applying and appending fees outside of the contract terms and definitions TD bank is in repeated and sustained breach of the loan contract.
|
| 06/19/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American, Servicemember |
|
TD bank utilizes a money transfer system named XXXX. This system was used by scammers pretending to be TD bank employees and calling with caller id displaying as " TD Bank ''. The scammers were able to penetrate the TD security system and generate text messages to the account holder ( me ). These XXXX messages were portrayed as transfers to the account holder for the purpose of replacing funds misappropriated from the account through unauthorized transactions.
Two attempts at trying to rectify this resulted in two denials. The bank refused to provide any information detailing how the scammers access the account holders financial information to generated XXXX text messages transferring funds out of the account. I, the account holder never enrolled in the XXXX system. I was misled by the scammers due to the fact that they were able to generate texts from TD bank pretending to transfer funds to me when in fact they were stealing funds. No further information was provided as to how the scammers were able to access " secure '' financial systems and generate funds requests. The 4 transfers for {$500.00}, {$200.00}, {$200.00} and {$200.00} totaling {$1100.00} through XXXX were all to the same email and occurred consecutively on XX/XX/XXXX starting at XXXX. The fraud was reported to the bank shortly after the transfers took place. The bank fraud department employee was questioned as to how 4 transfers to the same destination in a matter of minutes did not raise any flags. It appears there are no safeguards, accountability or monitoring of XXXX, transfers or account activity which appears suspicious.
*****************************************************************************Original complaint was phone activity on XX/XX/21 with no case number or advisements presented. Follow up two weeks later with bank fraud department indicated denial without any notification to date. During the course of this phone activity, after being advised to file a police report, case number XXXX was assigned. Third instance of filing a complaint for further review by investigative management in case # XXXX resulted in a second denial again with no accounting of how the records were authorized XXXX document attached ).
|
| 04/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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|
On Thursday, XX/XX/XXXX, we contacted TD BANK to seek resolution to an online banking issue with our account. The issue is and continues to be that TD BANK will not allow our online banking function to deposit checks more than 5,000.00 per day or 10,000.00 per month, total. Recently, TD BANK on XXXX XXXX changed their policy to increase the online deposit limited to 50,000.00 per deposit or 100,000.00 per month. My app is limiting the deposit ability to 5,000.00 per day, preventing me from posting deposits for my business. This has an impact on my operating ability to pay bills and employees.
When contacting the bank, have been told by TD BANK that this issue was resolved. When logging back in, this was indeed not resolved. After contacting the bank again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, we were told this can only be resolved by visiting a branch. All branches in the area are CLOSED due to COVID19. When asked for an alternate resolution, they noted we can go to a drive thru, however an in-person appointment is needed. Again, the drive thrus are closed and both I and my employees will NOT TRAVEL OUT OF THE HOME. Then, we were told again from Small business support to contact the branch. For multiple days ( again XX/XX/XXXX, XXXX, XXXX ), no one at any branch will answer the phone, as they are CLOSED.
The alternate is to go to an ATM. First, we are not allowed to leave our homes. Second, a business account does not have an ATM card to make transactions. The bank verified our account does not have an ATM. When asked if we could have one sent to me, they noted this can only be done in a branch ; again, which are all closed in the NJ area. They then said they could do nothing for our business and we should continue to try and call a " closed '' branch to see if someone would pickup. Also, we were told that there were no escalation points available to speak with. Further, we were also told that their back office was unable to setup a new account online to perform deposits through the mobile app, as this must be done through a branch.
TD BANK would provide no case number for our inquiries when requested.
Help is greatly appreciated and fast - we have employees to pay salaries to.
|
| 06/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
My TD debit card was stolen on XX/XX/ XXXX The theft of the card was discovered by me on XX/XX/ when I wanted to make a purchase with it. I immediately checked on my account online and saw the fradulent transaction for {$1700.00} at XXXX XXXX on XX/XX/ XXXX which caused an account overdraft. I called TD Bank and reported my card stolen and opened a claim to have the funds returned to me. In about 10 days I received a letter from TD Bank that the claim was denied because I indicated that the card was in my possession when the fraud occured. Clearly, this was a mistake, because I reported the card stolen. I called the bank again, explained that the card was NOT in my possession and the claim was reopened. The provisional credit was posted to my account on XX/XX/XXXX for the same account, along with a refund of overdraft fees I was charged because my account went into overdraft.
On XX/XX/ I received another letter from TD that the claim was again denied because the fradulent transaction did not fit the regular fraud activities ; i.e. there were no small testing charges first and the transaction did not deplete the account. I called TD Bank again for an explanation of these reasons, but I did not receive a satisfatory explanation. The investigation was complete and the claim was denied based on the reason stated in the letter. I asked about what investigation took place and I was told that the documentation will be mailed to me. I have never received anything. I was told that I should have reported it to the police and sent a police report to TD Bank. Note - I was never told that in any of the prior calls. I was also told that I need to take up the claim with the vendor who owes me the money. Laughable suggestion.
I proceeded to get a police report from XXXX XXXX in XXXX XXXX, NY where the theft of my card occured. The report was taken and today I finally received a mailed copy of the report, which I now faxed over to TD Bank. I did also call them and was informed that there is no guarantee the claim will be reopened and reexamined.
With filing the complaint with CFPB, I am hoping that I can be finally recognized as victim of fraud and be made whole financially.
Thank you, XXXX XXXX
|
| 07/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I was sent a promotional offer from TD Bank offering a {$300.00} cash bonus to open a TD Beyond Checking Account. The offer stated that the account had to be opened by XX/XX/XXXX ( I opened the account on XX/XX/XXXX ), that I had to set up direct deposit and deposit {$2500.00} within 60 days ( which I did ), that I could not have had a checking account with TD Bank in the past 12 months ( Which I did not have - I did have a checking account with them in XXXX ).
When I opened the account I spoke with XXXX XXXX, a Store Supervisor to ensure that I met and could meet all requirements. She ensured me that I did and that I did qualify for the {$300.00} cash bonus.
I called the bank after 90 days and they reassured me the bonus was on the way and that it could take up to 120 days before receiving. After 120 days I called the bank again and was told that I met all requirements and that they would contact the correct department to have the {$300.00} cash bonus deposited into my account.
One week later ( no phone call or explanation form TD Bank ) I called again. After speaking with a representative for quite a while explaining my situation I was connected with the Branch Manager XXXX XXXX. She told me that XXXX XXXX was no longer at that branch and that she would look into my dispute.
I have documentation of mailing offer and statements. XXXX explained that the mailer says bonus can not be combined with any other offer ( which it does ). I explained to XXXX that I did not combine any other offer with the opening of my new account. XXXX XXXX also reassured me I was not combining this offer with any other.
XXXX XXXX then told me that I received a {$300.00} bonus in XXXX from TD Bank when I opened up a checking account with TD Bank in XXXX. I told her that yes, I did receive a {$300.00} cash offer from TD Bank in XXXX, but that I was not combining it with this offer.
There is no where in the TD Bank mailer ( I do have a copy ) where it states that if you previously received a bonus from TD Bank, that you are ineligible for another bonus.
As previously stated, I have all documentation and believe TD Bank did not live up to the bonus offer sent to me.
Sincerely, XXXX XXXX ( XXXX ) XXXX
|
| 04/29/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
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Web |
|
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XXXX/XXXX/XXXX I purchased XXXX XXXX " XXXX '' concert tickets. Concert intended date was XXXX/XXXX/XXXX. Postponed to XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX XXXX announced on social media all dates were postponed and later all " point of purchase '' sales would be honored. My tickets were purchased from XXXX. My receipt reflects this and sale by XXXX. Neither wants to offer a refund. I opened cases with XXXX. XXXX case was closed due to XXXX filing grievance against XXXX XXXX, not XXXX. XXXX XXXX responded " We have no record of a charge or tickets sent out to XXXX XXXX for the event. He must have placed his order through a different seller. '' ( complaint XXXX ). Yet, when I called XXXX, who I never had spoken to before, I gave them my invoice number and they pulled up all of my ticket information. Come to discover, XXXX and XXXX share the exact same address, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) is listed as my biller and on the receipt the language says " ALL SALES FINAL. REFUNDS WILL ONLY BE ISSUED IF THERE IS A CANCELLATION OF THE EVENT. '' Well, the original date WAS canceled and moved to another date ( postponed ) and now postponed again - with no mention of time, date, venue. I am charged a {$130.00} service charge. As a customer, a service charge should be indicative of services being provided to the customer. No services are being provided. My bank, TD BANK, has a policy of only refunding money and doing investigations on inquires 60 days from purchase date ( I was told via rep ). There must be legal language somewhere when a customer makes a purchase with the expectation of receiving services and product in a timely manner. I have been told by both XXXX XXXX XXXX that XXXX XXXX can postpone until she is XXXX and legally not have to issue a refund. VERBATIM. This is outrageous. No person who buys a concert ticket, especially ones over {$100.00}, expects that they wo n't be receiving their product or services in future years from the intended original date when the product is suppose to be delivered. What is also outrageous is many ticket companies are honoring refunds while the company 's I 'm dealing with are n't.
|
| 12/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I paid TD AutoFinance {$7500.00} to pay off my auto loan. On XX/XX/XXXX I made an errant {$5000.00} payment on the same loan. XXXX XXXX XXXX stepped in to recover the {$5000.00} and were successful in doing so. TD AutoFinance sent me the title and a refund check of {$4.00} because I overpaid. Since that time they properly reversed the {$5000.00} payment on my account but also errantly reversed the {$7500.00} payment and only applied {$2500.00}. I have been on the phone with them a dozen times and have received multiple phone calls and lately have received letters stating they will report me to credit bureaus and have the right to repossess my vehicle. I have also sent 2 letters to their complaints department with no response. They refuse to get on the phone with XXXX XXXX XXXX to resolve this issue. They will not send me record of the all of the phone calls I've made or the phone calls they've made to me. This loan was paid off in full yet they will not clear the account. My most recent attempts once again to address this issue began again on XX/XX/XXXX with a supervisor XXXX XXXX who said the issue was obvious and it would be resolved. It was not. I then spoke again on XXXX requesting supervisor call back with no response. I called on XXXX requesting a supervisor call back with no response. On XX/XX/XXXX I spoke to rep XXXX who said the cashiering department would call me back with no response. I called on XX/XX/XXXX and spoke to a rep and then tried to conference XXXX XXXX XXXX and she hung up. I called back and spoke to a new rep who said a supervisor XXXX XXXX would call be back within 24-48 hours. This has gone on long enough with countless hours of wasted time. I paid off this loan and at this point I consider TD AutoFinance behavior to be harassment. I am providing my bank statements and my TD AutoFinance running balance which shows how they errantly misapplied my payment. It shows the {$5000.00} being returned on the errant {$5000.00} payment and also shows the {$750000.00} not being fully applied. XXXX XXXX XXXX is more than happy to assist through their claims department ( XXXX ) as they can show my funds were sent and no longer in my account. Please assist.
|
| 12/04/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
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I have a home equity line of credit with TD Bank. My payment is due the XXXX of every month. My XX/XX/XXXX payment was paid on XX/XX/XXXX. Instead of paying the total current due, which was {$150.00}, I paid {$7400.00}. After paying said amount, the updated total current due was zero. I received a notice, dated XX/XX/XXXX, which read in capital letters, " THIS NOTICE IS A REMINDER THAT YOUR ACCOUNT IS PAST DUE. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. PLEASE MAKE YOUR PAYMENT TODAY. '' It also included the following information : Past Due Date : XX/XX/XXXX Finance Charge Past Due : {$150.00} Unpaid Late Charge : {$7.00} Total Amount Due : {$160.00} As a result, my XX/XX/XXXX total current due has the {$160.00} tacked on for a total of {$300.00}, which I paid, upon receipt of the aforementioned notice, on XX/XX/XXXX. To recap, I paid my XXXX payment on XX/XX/XXXX AND XX/XX/XXXX, plus a late fee. This equates to a DOUBLE payment.
This is no longer about the money, it is now about the principle. I wasted over an hour at their XXXX XXXX location on Saturday, XX/XX/XXXX. I had to repeat myself 3 times to 3 different employees, stand for over 30 minutes at the teller 's counter, while XXXX XXXX was on hold with whichever department she called to correct my problem, then was told by XXXX XXXX that they had no idea how long it would take, and for me to leave, and expect an update via telephone. After hours went by with no update, I finally called them. XXXX XXXX informed me that there was no update, because whomever picked up had no idea how to fix it, then transferred them to someone else, who, after hearing my problem, hung up.
And TD Bank is supposed to be one of the 10 largest banks in the United States?! It is more like " The XXXX XXXX '' XXXX. Also, as an FYI, this is the SECOND mistake they made in less than two months. The first happened on XX/XX/XXXX, which they chalked up to an encoding error. I wrote a check for {$480.00}. They encoded it as {$1100.00}, which left my account with a balance of - {$660.00}, then charged me a {$15.00} maintenance fee.
|
| 02/18/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
On XX/XX/XXXX and XX/XX/XXXX I filed an complaint with the XXXX No. XXXX and No. XXXX against Target Card Services for an account credit that had NOT been applied to my charge card account as promised and because my account had been frozen by them on or before XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX and a letter on XX/XX/XXXX from XXXX of Target Card Services stating that on XX/XX/XXXX ( {$28.00} ) and XX/XX/XXXX ( {$39.00} ), two late fee charges were credited back to my Target Card Services account but they did NOT. Target Card Services applied the two late fees charges of {$28.00} and {$39.00} on XX/XX/XXXX to my monthly minimum payment amount due and to my total account balance due. But my Target Card Services account was frozen by them on or before XX/XX/XXXX, so how did my total account balance due increase if I can not use the charge card. Target Card Services committed FRAUD and are trying to SCAM a consumer and one of their Target REDcard account holders. As of today XX/XX/XXXX Target Card Services still has Not applied the XX/XX/XXXX {$28.00} credit to my charge card account or reversed on XX/XX/XXXX the {$39.00} late fee added because Target Card Services did NOT apply the credit promised by XX/XX/XXXX the bill payment due date. Since XX/XX/XXXX every month Target Card Services has been adding late fees and addition interest charges to my charge card account when I paid in full my portion of the amount due to my account by XX/XX/XXXX Every month I pay the minimum amount due to my charge card account established with billing cycle XX/XX/XXXX. And if I am ever late paying that amount I always include a late payment fee with it. Target Card Services FRAUD, ILLEGAL ACTIONS, and SCAM are ruining my credit report history, and for NO REASON. It is fraud, illegal, and a scam for any credit card company like Target to add account credits promised consumers to their monthly minimum payment amount due and the consumers total account balance due, when the consumer has NOT used the charge card account. I would like Target Card Services to fix my account immediately and apologize for their retaliatory behavior towards me, a consumer and Target REDcard account holder.
|
| 05/16/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Please reference investigation ID XXXX, I received a letter from TD Bank whereby they stated, based upon our investigation, we have determined that fraud did not occur. The letter was dated on XX/XX/XXXX. The letter was received on XX/XX/XXXX. I immediately contacted TD Bank customer service center to determine what type of investigation was conducted or led to a determination that the fraud did NOT occur. Customer service agent ( XXXX XXXX ) stated that investigation was determined based upon the proximity of the fraud and actual residence.
I filed a police report on XX/XX/XXXX stating that the contents of my wallet were stolen from my locked vehicle while it was parked in my driveway [ RESIDENCE ]. There was no sign of forced entry. They did not take my wallet or driver 's license, and I had no cash, what they stole was my credit/debit cards.
I received a fraud alert on my other credit card ( XXXX XXXX ) on XX/XX/XXXX, which later alerted me to other activities on my other cards which were also stolen. These cards included the TD Bank business debit card. I was working in Washington, DC at the time of the fraud. I immediately went to the closest TD Bank location on XXXX XXXX XXXX XXXX, Washington, DC XXXX. I spoke with the banking specialist, XXXX XXXX. He issued me new debit cards for my personal and business account. He was not able to dispute the charges since the transaction had not posted. It took two days for the transaction to post. I filed it on Friday, XX/XX/XXXX on the phone with the customer service agent. I also sent the Bank Specialist ( XXXX XXXX & XXXX XXXX ) the copy of the police report, whereby they went to the fraud department Based upon the information provided by TD Bank in this letter, I find it bizarre that the TD Bank made a decision stating that the fraud did NOT occur. I am requesting that TD Bank refund the money as soon as possible and return interest on money due. I am also requesting that the Consumer Financial Protection Bureau look into TD BANK business practice in determining fraud as while as violations of Consumer Protection Laws.
Please reference previous complaints submitted against TD BANK with the Consumer Financial ID XXXX & XXXX
|
| 12/13/2023 |
Yes |
- Credit card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Target RedCard denied a chargeback dispute without contacting the customer for additional details or sharing written notification of their decision upon the completion of their investigation.
After a return purchase* ( sale value {$240.00} ) got lost in the mail due to the merchant ( Target.com ) providing incorrect postal information, ** the customer contacted Target RedCard ( the card used for the transaction ) to open a dispute. After explaining the situation ( i.e., that the item destination was not input correctly by the merchant and that delivery was at risk due to no fault of the customer ) and providing details over the phone, the customer was not asked anything further during the investigation- nor was the customer allowed to provide any physical proof of the incorrect postal label ( which included details that did not match the physical address of then return facility indicated by Target.com ) to corroborate their claim.
The dispute claim was closed without notifying the customer and reasoning for claim denial was not shared. Customer suspects that proper due diligence is being ignored in favor of the merchant - and at the risk of customers.
At minimum, customer would like a chargeback to be issued USD {$240.00} ( the purchase price of the defective item ), and for the dispute to be reopened and properly investigated by Target RedCard as, in this instance, the merchant ( Target.com ) is at fault for any delay or issues with the return shipment. *** Customer would also like notification, in writing, why their claim was originally denied.
*Note : The reason for the return in the first place was that the item arrived damaged from Target.com .
**Note : The postal code on the attached label ( XXXX ) does not match the physical zip code for the XXXX XXXX XXXX in XXXX , Indiana . The correct zip code for that physical address in XXXX, Indiana is XXXX.
***Additional Info : Per Target.coms policies, only Target.com can create return labels forcing customers to rely on their XXXX XXXX staff to input accurate information. Customers have no recourse to recoup losses if incorrect information is input as they can not file Merchant Returns claims directly with carriers.
|
| 03/22/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have been working with TD Bank since early XXXX to facilitate a mortgage modification in conjunction with my bankruptcy filing. On XX/XX/XXXX, TD notified us that the modification was approved and provided the new loan terms, indicating that the new monthly payment of {$1700.00} would begin on XX/XX/XXXX, and the loan term would be extended for a period of XXXX XXXX XXXX XXXX months.
Pursuant to this agreement, I have made timely payments in the above referenced amount for all months in an effort to keep the account current. In XXXX, XXXX, we were advised that in order to complete & finalize the modification process, a signature was necessary on a single-page document which was mailed to us. I learned that TD Bank mailed this document to my bankruptcy attorney, rather than directly to me, as they stated. I went to my bankruptcy attorneys office, signed the paper, and it was sent by fax to TD Bank.
After sometime of not hearing back from TD Bank, I called on XX/XX/XXXX to follow up and confirm the modification was finalized. I was told that the fax transmission of the page we sent was illegible, and was asked to resend the single page document via email. This document was sent to TD Bank via email on XX/XX/XXXX.
On XX/XX/XXXX I called TD Bank, and they verbally confirmed that the modification agreement was received and is processing. I continued to make monthly payments in accordance with the modification agreement. Between XXXX, XXXX and the date of this complaint, I would periodically reach out to TD Bank to confirm the finalization of the modification. This included both phone calls as well as email correspondence. We were repeatedly told that the modification agreement is processing, with no indication of any issues whatsoever. In XX/XX/XXXX, a representative at TD Bank informed me that due to the single page modification agreement not being received within an arbitrary 30-day window, the modification process has been halted/withdrawn. Despite my efforts, I have been unable to receive any clarity whatsoever on how or why this happened, since I followed TD Banks instructions through all times in this process and have worked extremely hard to keep the account current.
|
| 04/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Mid XXXX - I applied for a refinance loan throug h TD Ban k. My original mortgage was through XXXX XXXX . At the initial application m y Homeoweners insura nce was through XXXX with a XXXX policy effective date. During the closing process, I was able to get a cheaper rate through XXXX XXXX XXXX . XXXX I paid XXXX XXXX . in full with an effective date of XXXX / XXXX / XXXX through XXXX / XXXX / XXXX . I emailed TD bank and notified them of the change and provided receipt of Payment. Also, asked them to update the closing documents as no escrow accrual was needed since new policy was paid in full. -- -- -Original Message -- -- - From : XXXX XXXX XXXX XXXX XXXX Sent : Tuesday, XXXX XXXX , XXXX XXXX XXXX XXXX To : 'Jeffcoat XXXX XXXX XXXX XXXX Cc : XXXX XXXX XXXX ; XXXX XXXX XXXX Subject : XXXX : XXXX Payment Receipt For XXXX XXXX Hi XXXX , Please see the receipt of Payment on my homeowners, please let me know if you need any additional information. XXXX / XXXX / XXXX - Closing date. Closing document reflected a 5 month escrow at {$580.00}. I questioned this with the lawyer and he said TD w ould notice this and refund the amount that was over escrowed at closing. XXXX / XXXX / XXXX - I asked TD to look into the insurance escrow - No response. XXXX / XXXX / XXXX - TD informed me the escrow was only looked at annually and I would need to wait a year to get my money back. Original Message -- -- - From : XXXX , XXXX F [ mailto : XXXX XXXX XXXX XXXX Sent : Wednesday, XXXX XXXX , XXXX XXXX XXXX To : XXXX , XXXX XXXX ; XXXX , XXXX XXXX Subj ect : RE : XXXX Payment Receipt For XXXX XXXX I will let the closing manager know to reach out to you to discuss. They do not refund money out of the escrow account. Only the servicing department does that and they only consider these requests on yearly basis. Thanks. XXXX XXXX XXXX | Lending Team Manager | Retail Credit and Loan Originations Mailstop : XXXX XXXX XXXX XXXX XXXX , XXXX , SC XXXX T : XXXX | F : XXXX NMLS ID # XXXX TD Ban k , America 's Most Convenient Bank
|
| 03/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
TD Bank mistakenly mailed a {$1300.00} check to XXXX XXXX that was supposed to go to my utilities company. The check came from my personal bank account with my name and home address. It was made out to XXXX XXXX XXXX XXXX and had an account number on it that matched a XXXX store card that I had closed years ago. XXXX XXXX decided to apply that payment to my business account, where the checks are made out to XXXX XXXX Bank ( NOT Retail Services ) and has a completely different account number. I called XXXX XXXX as soon as the payment posted and requested that they send the money back to my bank account since it was obviously an error, it was made out to a different department, it had a completely different account number, and it was obviously a personal check that did not have the name of the business on it. I was told by XXXX XXXX that they would only be able to refund the money if the request came from TD Bank. I made the request through TD Bank and received a message that said " Our Bill Pay Provider has spoken with XXXX XXXX XXXX XXXX and it has been determined that in order to resolve this, they are requiring a conference call with our Bill Pay Provider and yourself.
At your earliest convenience, during a time when your biller would be open, please call our online banking department at XXXX to initiate this conference call. Our online agent will then verify you and connect you with XXXX XXXX XXXX XXXX, and then contact our Bill Pay Provider while you and your biller are both on the line. XXXX XXXX XXXX Services will not speak to us without you on the line.
For further information in regard to this payment, please respond to this message or contact us at the telephone number below. Please be sure to reference Bill Pay Case ID # XXXX. '' I called that number and, after more than two hours on the phone, I was told by a TD Bank representative that they can not do the conference call that they told me themselves was required and that, even though this was their error, the only way to solve the problem would be to take XXXX XXXX to small claims court.
It has now been almost a month since {$1300.00} was removed from my account at their error and I just want my money back.
|
| 04/30/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Older American |
|
In XX/XX/2018 TD Bank issued a fraudulent credit card in my name, to an unknown third party in association with XXXX XXXX, account number XXXX XXXX XXXX XXXX. The unknown person then used that card to purchase three cell phones for {$2500.00}. TD bank closed the account and removed the charges.
When I filed their requested affidavit, I requested : " In accordance with the Fair Credit Reporting Act, please supply me with all the information that the fraudulent person used to apply for this credit account in my name and any other business records relating to transactions and accounts that resulted from the theft of my identity so that I take whatever additional steps are necessary to prevent additional fraudulent activity in my name. The following sources and quoted material makes clear my right to this information.
https : //www.consumerfinance.gov/learnmore/ Summary of your rights when you believe you are the victim of identity theft links to https : XXXX XXXX. You have the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information. A creditor or other business must give you copies of applications and other business records relating to transactions and accounts that resulted from the theft of your identity, if you ask for them in writing. A business may ask you for proof of your identity, a police report, and an affidavit before giving you the documents. It may also specify an address for you to send your request. Under certain circumstances a business can refuse to provide you with these documents. See www.consumerfinance.gov/learnmore.
" TD Bank does not comply with their promised 1-day inquiry and 30-day fraud response times and should be held to account for that false advertising.
TD Bank failed to use due diligence in the issuance of a credit card to an unknown third person, and is thus complicit in the theft of my identity.
With the failure of TD Bank to respond to my inquiries, one is left to wonder if they are hiding activities such as XXXX XXXX was a few years ago.
This is just a short summary. Full details are in the attached documents, which includes a 6-page cover letter with proper formatting.
|
| 10/31/2016 |
Yes |
|
|
|
Web |
|
|
I had a Target Red Card credit card for over three years with an unblemished payment history. My statements were sent by e-mail and I would then pay online, always in full. Last XXXX, I did not receive a statement from Target. I do not remember the exact dates for all of my financial obligations and rely on statements from my creditors. Two months later, I received an e-mail from Target informing me they were turning me over to a collection agency. I called them and told them I wanted to pay the debt in full but also wanted to cancel the card because their statement system did not seem adequate ( i.e. no statements sent ) and I could n't take any chances with ruining my credit. They informed me that it was my responsibility to know when the bills were due and if I cancelled my care, I would never be able to get another one again. I told them that was fine, this was n't working for me, and I had other credit cards. I paid the card in full and owed nothing to Target. In XXXX of 2016, I applied for new car insurance because it was much cheaper. I was told that I would have to pay {$150.00} more for insurance because I had an entry on my credit card. I got a copy of my credit report, and for the first time in my adult life ( I 'm XXXX ), I had a bad credit report from Target. I am now also applying for XXXX jobs and have found out this can also affect my ability to get a job. Target does not have any customer service contacts for this issue as I do not have a Target Red Card anymore and you need a card number to log in into the customer service portal. There is no other mechanism for contacting them about this issue. My question is, if I paid them in full two months after the debt was due, why have they ruined my credit rating? This card has cost me far more than I ever saved by using it and now it is going to potentially impair my ability to get a job. I feel as if I 've committed a felony and I would like Target to resolve this ; I do n't owe them anything and they did n't have to pay anything to collect the debt. It just seems like sheer vindictiveness, which I think stems from my not wanting to use their card anymore. I hope you can help me or direct me to help at Target.
|
| 06/11/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Due to apparent errors and miscommunication between TD bank departments regarding my mortgage account, the foreclosure on my home was placed on hold XXXX/XXXX/XXXX. I have not heard back from anyone regarding what process was being undertaken or what the plan was going forward with regard to my mortgage. On XXXX/XXXX/XXXX, my wife witnessed an individual taking pictures and investigating my property. When my wife inquired as to what this individual was doing, he apologized and drove away. I contacted TD bank that day and attempted to reach XXXX XXXX and left a message at approximately XXXX XXXX I also called TD bank 's loss mitigation department and was told that as far as they ( the representative ) could see, the foreclosure was still on hold. The representative " instant messaged '' whomever was in charge of my account and I never heard anything back. Photos of the individual and licence plate are available upon written request. My latest bank statement showed some type of legal fee for {$1500.00}. I called TD loss Mitigation on XXXX/XXXX/XXXX. The representative read over a note on the system but could not explain what it meant. An instant message was left for a XXXX XXXX who is now taking over my account. I asked to be transferred to XXXX XXXX and was placed on hold until disconnect at approximately XXXX XXXX. I received a message from XXXX XXXX on XXXX/XXXX/XXXX and called back on XXXX/XXXX/XXXX at approximately XXXX XXXX I was on the phone for approximately 45 minutes DURING MY WORK BREAK and was disconnected. I am fearful that I am re-entering the same disorganized miscommunication/ lack of communication from TD Bank that has led me here in the first place. I work full time and my wife works XXXX full time in order to bounce back from our hardships. We do not have time to go down this same road. I am communicating through CFPB in order to ensure smooth communication and accountability on the part of TD bank. Furthermore, I am concerned that TD Bank has been possibly undertaking duel tracking by placing my foreclosure on hold but still moving forward as possibly evidenced by someone inspecting my property and now engaging legal fees. I would like an explanation.
|
| 03/27/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Web |
|
|
A terrible decision caused my account to be gone forever from TDbank.A fraudster got my debit card information.There were unauthorized deposits and fake checks deposited into my account.The bank fraud department took too long in investigating.I did pay off what was owed but the bank showed hatred against me.I think they stopped the investigation.They may be also slandering me .I did not know what to do.I have been told that I am to get refunds from what was stolen even if it was done in an irresponsible way.The bank has to realize that I am no criminal.They also need to know that in this digitalized time banking information can be gotten by anyone.I want to know why they feel they do not have to follow the law and why they think I should pay for what happened.They also need to be questioned as to why they allow these fraudsters to keep stealing money from people 's accounts.The bank also insisted on saying that they do not care what happened and that I should have known better.I also want them to know how this made me feel.I had been with them since even before they became TD.Back then they were more responsible.They did work with customers on these problems.They advised on how to be careful with these problems.They are possibly trying to say that I conspired with this person who seriously damaged my account in order to steal from them.I am no criminal.I do not need theirs or anyone elses money to resort to doing such a fraudulent thing.They really do need to be called out on how they pretend to investigate bank fraud but really do not.It is due to this stress that I was not able to pay what was owed until my tax refund came through.I also want them to know that I am not the only one that this has happened to.It will continue as long as they allow the fraudster who they are aware of continues to do this as long as they are not caught.I have to say that they may be working with this fraudster.I had not received any help with payments from TDbank until a few days before they made some charge off and then claimed they gave me a credit.They allowed me to open a new account but then they closed it.They will tell me the results of what happened.I have the right to know that.
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
NOTICE TO AGENT IS NOTICE TO PRINICIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your comapny notice purasuant t 15 usc 1602 ( k ) that your company never provided an adequate notice which cleary and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform about the cost of credit and the only evidence of the indebtedness was just a computer generated agreement.
According to 15 usc 1602 ( k ) the term " adequate notice '' means a printed notice to a cardholder which sets fort the pertinent facts clearly and comspicuously so that a person against whom it is to opperate could reasonably be expeced to have noticec it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement or account, issued to the cardholder, or by any other means reasonably assuring the recipt therof by the cardholder.
Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a volation under 15 usc 1602 ( k ) Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the the transaction therefore made an uniformed decision and it resulted in multiple billing errorsm and unfair credit card practices.
From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).
According to 15 USC 1602 ( p ) the term 'unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
I hereby request that you do the below-mentioned things : Enter your request here.
DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) XXXX XXXXXXXX US DEPT ED XXXX XXXX XXXX If you accept my request, I will not escalate this matter to the Federal Court. In case you do not accept the above request, legal action shall be taken against your company for compensatory damages.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX XXXX All Rights Reserved Without Prejudice
|
| 05/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/2023 I entered a TD ATM machine to withdraw {$40.00}. My account had roughly {$350.00}. I took my money and walked away. Less than one hour later, I opened my TD Bank ap and saw - {$700.00}. I looked and saw my card was missing and that I had probably left it in the machine. I literally ran back to the bank frantic as life has not been kind to me lately, financially, in many ways. The bank manager sat me down, calmed me down and assured me he would be putting in a report/claim immediately and more importantly, provisional money, would be given to me within 48 hours. I never received that provisional money. I just learned today that my claim was Denied! I found this, as did all the TD bank reps I spoke with via phone and in person to be a cut and dry case of fraudulent activity. I was told cameras were not looked at which baffled me. One rep said I would need a police report in order for cameras to be looked at which 1 ) is outright scary 2 ) wouldnt you want to see the perpetrator and get the funds/situation handled to the right person? I have spent all day, XX/XX/2023 at police stations, doctors for stomach issues ( bleeding internally/can provide documentation ) and TD branches trying to rectify this situation.I borrowed this money from my mother who has lived the last 2 years as a widow to my father, who lost his life to the co-vid XXXX virus. We are struggling mightily to recover from losing this {$1000.00}. ( It was 2 {$500.00} transactions ) ( it was a female, white, hospital employee ). I am almost certain this is whom stole my funds/used my card. I am being told my claim is denied because another individual knowing your pin. I stood inside a TD bank today and literally watched as people put their pin in the machine. It is not difficult to view the numbers from a distance. I am scared, hungry my mother and i need this {$1000.00} In order to maintain a feasible lifestyle. We just want the bank to give me {$1000.00} back. I dont know if anyone will ever read this but God bless you if you find it in your heart and knowledge of this field to help me recover this money to give back to my mother. My name is XXXX XXXX. Thank you more than you will ever know.
|
| 04/15/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
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|
I tried to log into my online banking account and after I logged in they asked me a security question that I somehow did n't pass. They proceeded to lock my account. I called the number they provided to me, and I spoke with a man named, XXXX ( if thats his real name ) and he asked me for transactions that he could verify and I was giving him transactions from the past week and he said those are n't cleared yet so I ca n't use them. He then proceeds to ask me " what name have I gone by in the past? '' and he lists several names that are not mine and then he says half my name. I know my name has an apostrophe in it and it confuses systems so i chose the only answer with my name in it and IT WAS WRONG. He then patched me through to a supervisor and she only repeated the same thing and then proceeded to say that its out of their hands and that they get the information from XXXX XXXX some credit company. I am a XXXX and the only credit I would have to my name is loans but they 're deferred and I took them out years ago when I was going to XXXX out of state. I then proceeded to question the lady on why this was a thing and she proceeded to repeat herself over and over again. She even cut me off on the phone to repeat herself and after she was unable to answer any of my questions she then said, " Well the only thing I can do for you is tell you to wait till monday. Would you like the hours of the bank? '' I KNOW THE BANK HOURS! I wanted to know why they would lock my account and not have any way to unlock it. I want to know why they are using some random credit company and then burdening XXXX kids who dont have credit. I am genuinely upset and dissatisfied with my conversation with the supervisor and her lack of knowledge, kindness, and ability to answer a question and inform me of all the information I asked. I wanted to check the money in my account and see if I am correctly managing my funds because I have events that I need to budget and allot money for in the coming weeks. I genuinely do n't feel like I will be continuing my business with TD Bank, which is sad because I 've been with them since they were XXXX and I just feel like this is a hassle I dont have time for.
|
| 07/30/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
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Web |
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On XXXX XXXX, 2015, I received a call about irregular activity taking place with my TD Bank debit card on XXXX XXXX, 2015. I was n't aware that I was missing my debit card until that time, and I confirmed with them which transactions were made. They told me I had to wait until those transactions posted for me to file the dispute, which I then did as each of the XXXX items posted. First item was a {$400.00} transaction at a pharmacy. The XXXX item was a {$220.00} charge at a restaurant in XXXX. The third transaction was at a XXXX for about {$4.00}. The fourth was another XXXX XXXX transaction for about {$3.00}. And the last was a {$16.00} cab ride in XXXX. All happened on the same day, but posted at different times. They immediately closed the card though. On XXXX XXXX, I called to check the status of the dispute, and found that the bank rejected the claim. The reasons for the denied claim were : 1 XXXX The transactions took place within XXXX minutes of an undisputed transaction ; 2 XXXX there were no attempts to use the card after it was closed ; and 3 XXXX my history at one of the terminals.
Now, I am taking a board review course in XXXX XXXX, NY. 19 minutes within XXXX XXXX could be anywhere in XXXX, XXXX NJ, the XXXX, XXXX, or XXXX. Also, all the transactions were done on the same day, which was the XXXX, though they each posted on different days. Just because the thief did n't attempt to use the card the next day, does n't mean that it was n't fraudulent. Is it inconceivable that this person knew that they only had a limited window of opportunity to use the card? Lastly, just because I used the card at one of the same locations, does n't mean that it could n't be used at that same location. I used it for a {$55.00} transaction a day or two before at XXXX XXXX pharmacy. The fraudulent transaction at the same location was for an amount of {$400.00}. I 'm not sure how or why that could be held against me and validate a rejection of a claim.
Anyhow, after the first rejection, I filed a police report. Then I resubmitted the fraud claim, and it was denied for the same exact reasons. That is why I 'm contacting the consumer financial protection bureau. Please help.
|
| 02/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
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I will provide a photo of my statement. I am being charged {$71.00} on an account that is closed. No access to pay on line. I have to call every month practically begging to make a payment. All on time payments. It took many many months to get assistance to be put in there so called hardship plan with TD. It was for for two years no interest with a monthly payment of {$42.00}. This passed XXXX I have been trying to reach that department over and over. I am being told to call XXXX. I was provided XXXX number. Which has no affiliation with TD Bank. XXXX XXXX was the director of the hardship department. The only one with moral fiber. He no longer works at TD I come to find out. His number was XXXX. When I asked for this hardship I was not in default or late. My Mother became very ill and used all my savings and needed assistance due to the financial stress of taking care of my Mother. TD tells me I need to go into default!!!! Total violation. I was not going to do that. Finally I speak to XXXX XXXX after many many many months I am put into a hardship plan. Its a disgrace how badly I am treated. What these people put me through. I was on the phone 3 hours on Monday XX/XX/XXXX to make a payment and inquire why I have I interest charges. I spoke to 11 people. No one would take my payment! I was transferred to the Levy department. These people are scumbags. No one would give me the number to the hardship department nor assist in any way. I received a call from the State Attorney General Office as they received a call from OCC and all the trouble I have been having. TD is finally being investigated to all my allegations that taken place from the beginning. This has taken a toll on my XXXX with all I have endured. I have no access to this account accept for mailing statements which sometimes I do not receive. TD removed my checking account when calling in as I have no other choice. Applied cash payments from TD bank where I went physically and credited payment to another account. Disgusting hood rat behavior. I will not tolerate this anymore! I was given XXXX. XXXX email who never responded in the last week. He is the SVP of customer service!!!! No response. Not surprised.
|
| 03/24/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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On XX/XX/XXXX I received a letter from XXXX dated XX/XX/XXXX. The letter stated that I have a Target Card from TB Bank USA and as of XX/XX/XXXX I owed {$210.00}. I take responsibility for missing a payment in XXXX of XXXX, I forgot I had used that credit card and did not make the payment.
When I received the letter on XX/XX/XXXX I immediately paid the balance. On XX/XX/XXXX I received an alert that my credit score had decreased. I logged into my XXXX XXXX account ( they send the credit score alerts to me ) and saw that my credit score had decreased by XXXX points and it was due to missed payments for this account.
I called both XXXX and Target to ask for a " goodwill '' removal of this information as I paid the balance immediately upon receiving the letter and my credit history at this time will show I have not had missed payments in several years. Target informed me that I would need to contact XXXX about this, via telephone call on the morning on XX/XX/XXXX. They transferred me to XXXX.
I was told by XXXX that they are unable to do anything and I needed to talk to Target. Here are specifics from the conversation with XXXX : ( 1 ) they received the information from Target on XX/XX/XXXX, ( 2 ) they are not able to send me any written information about what attempts they made to inform me about this balance, incident, payment, etc., ( 3 ) they sometimes make phone calls to customers but do not necessarily leave any voicemail messages. I did not receive any voicemails from XXXX, ( 4 ) they have no record about if they called me or not, ( 5 ) they stated they have no record about when they first sent a letter to me, ( 6 ) they have no information at all about my account because I had already paid the full amount. I spoke with XXXX XXXX between approximately XXXX and XXXX on XX/XX/XXXX If I had made a payment prior to XX/XX/XXXX my credit score would not have been impacted. I received no communication from XXXX prior to receiving the letter on XX/XX/XXXX. The letter is dated XX/XX/XXXX but, depending on what time of day the letter was sent, that left a total of two business days for the letter to arrive in my mailbox and for me to have time to pay the balance.
|
| 04/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I ordered a dress using my TD Bank Debit Card from company online company @ XXXX from their website XXXX on XX/XX/XXXX and paid XXXX. Throughout the course of the next 3 months the company gave numerous excuses via email as to why delivery of my dress was delayed ( I have all emails printed ).
Finally I asked to cancel my order and for the money to be refunded to the card I used when the order was placed. I never received a refund. When I emailed the company again to ask about my refund I had been blocked.
On XX/XX/XXXX after being unable to email the company I filed a dispute with through TD Bank.
On XX/XX/XXXX I sent all necessary information including the emails where the merchant acknowledges they never sent my dress and promised me a refund for my unfulfilled order. I was given a provisional credit and told a thorough investigation would ensue.
Three months later on XX/XX/XXXX TD Bank denied my dispute and reversed the provisional credit causing overdraft fees. I called that weekend as was told a new claim for the same dispute would be opened and to to call back on Monday to find out why initial claim was closed. I resent supporting documents on this day.
On XX/XX/XXXX, at approximately XXXX XXXX I called TD Bank to ask why my dispute was closed. I was transferred to a supervisor named " XXXX '' who first told me my dispute was closed due to not receiving supporting documents. Supervisor XXXX later changed the reason the dispute was closed to because the original transaction date of the charge took place more than 60 days ago. Supervisor XXXX was curt and short with inconsistent explanations. Supervisor XXXX stated she can not reverse the provisional credit and refused to waive the overdraft fees caused as a result. I told supervisor XXXX I felt this was unfair and that TD Bank is being negligent by refusing to investigate this matter and adding further hardships by charging me fees.
On XX/XX/XXXX, I entered a TD Bank branch location XXXX XXXX XXXX XXXX, XXXX, FL XXXX and spoke with a branch manager who agreed to waive the over draft fees. The branch manger was unable to provide a provisional credit or provide any insight on the ongoing dispute.
|
| 04/08/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We entered into a construction loan with TD Bank in XX/XX/XXXX with the goal of building our dream home. Unfortunately, we have had a terrible experience with our builder ( XXXX XXXX ) and have had to fire her. In doing so, we became aware that TD Bank gave her $ XXXX from our account in XX/XX/XXXX after she submitted forged paperwork requesting these funds ( she signed in our place and without our authorization ). This was also against the terms of the contract with TD Bank, which clearly stated that no funds could be disbursed until the builder had obtained a building permit ( email attached ). For context, we still do not have a building permit today. Lastly, this follows written assurance from TD Bank in XX/XX/XXXX that no funds had been disbursed ( email attached ).
TD Bank initially recognized their error when we brought it to their attention, and immediately reversed the funds and confirmed our account was whole ( email attached ). This upset the builder, and she is disputing this with the bank.
Now we are receiving emails from the bank 's attorney that they believe the $ XXXX should be returned to the builder. We have made it clear that we do NOT authorize the disbursement of any funds and that we are pressing criminal charges against the builder. We do not understand the bank 's position other than desperately trying to cover their tracks for this error and force us to incur the cost of a litigator against both entities.
At the same time, the bank is refusing to disburse any funds to our new builder until this is resolved, effectively holding our funds hostage ( email attached- same as the " no disbursements can be made without a building permit '' as described in first paragraph ).
We trusted the bank to be our advisor and are feeling betrayed by this turn of events and the bank 's lack of support in what is clearly a stressful time for our family. What we are asking for now is assurance from the bank that our account is and will remain whole, and that the bank will handle the complaints from XXXX XXXX about the $ XXXX themselves and leave us out of it.
We in turn will be pursuing our own charges ( criminal and civil ) against XXXX XXXX XXXX.
|
| 02/26/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
I called in paid off my target red card in XX/XX/2019. The card was closed at that time and no additional charges have been made. On XX/XX/XXXX I received information when trying to purchase a car that my target credit card was reflecting past due.
Confused by how this could be considering the account was paid off in XX/XX/2019, I called the contact center. The call center rep informed me that there was a returned payment on the account, but was unable to provide any additional details and then the call was disconnected.
I then attempted to contact the call center again to get to the bottom of this. The call center rep at that time was unable to explain why my account was reflecting past due. I advised that I have not received any statements or notification there was an issue with my account until I received a credit alert while trying to buy a car. I requested all statements be sent to me so I can see what happened on my account. I was put on hold and once again the line was disconnected.
I once again called back to to the call center and requested information regarding why my account was now reflecting past due when I paid it off in XX/XX/2019. The agent once again confirmed my address and said that she " saw '' why I was not notified of this and why i was not receiving any sort of statement from Target. It was stated that there is an internal verification that has to take place and that this never happened on my account and that is why I havent received statements. The call center then put me on hold and i have now been on hold for 25 minutes.
I am requesting that Target red card remove any negative remarks from all 3 credit reporting agencies as I was not alerted of any issue with this account and none of their reps are able to provide to me the information I need showing that I owe these money to target.
Target should consider updating their process to ensure customers are receive statements and proper account notifications. This is very confusing for consumers to understand what is happening to their accounts. And that is after I have attempted to contact the call center 4 different times and no one can provide me any details or give me any info.
|
| 12/08/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
XXXX XXXX XXXX XXXX and bank are misleading and fraudulent. I was out of work for a total of 3 months in the transition of changing employment. I fell behind on payments and on numerous occasions called to ask for smaller payments or a payment arrangement. I was told " No, unfortunately we do n't offer any such program ''.
Once I began working for my new employer, I made several other attempts in which I was again, denied payment arrangements to catch up with my account. The account was opened in XXXX and remained in good standing until this incident in XXXX. Furthermore, I finally spoke with a representative about 3 months later who offered a 12 month program. Very similar to the one I inquired about yet was always turned down. He set me up on monthly payments. However, little did I know that I would need to consistently chase XXXX XXXX XXXX once again, to ACTUALLY deduct these payments. After escalating the matter, A payment arrangement was finally scheduled for 12 months beginning XXXX XXXX XXXX XXXX. I received a notice in XXXX XXXX stating that my account will soon resume back to normal status once the plan completed in XXXX XXXX.
Here we are, in XXXX XXXX and I have n't received any other notices from XXXX XXXX XXXX so I decided to call. I 'm also NOT ALLOWED To log into my account or event view any statement information since initially having the issue one year ago. I stated to the representative that I would like to continue making payments however, she notified me that my account has been closed since XXXX XXXX. This is outrageous! No one has mentioned, or disclosed this and I was notified that my account would resume normal status as of XXXX XXXX. They also failed to mail any letter or memo indicating this.
The representative then told me that I would continue to not have access to any of my information online. However, they also discontinued sending me statements so I 'm blindy making payments and they refuse to disclose my balance, payments and any other charges they may be adding.
Please assist with this type of credit card bullying. They took me for a ride this past year and now they refuse to disclose my information per my consumer rights.
|
| 10/22/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Dear Sir/Madam, I hope this letter finds you well. I am writing to seek your assistance in resolving a critical issue I am currently facing with TD Bank. On XX/XX/2020, my TD Bank account, which contained over {$18000.00}, was suddenly frozen without prior warning or explanation. This significant amount included approximately {$7000.00}, which had been in my account previously, and {$11000.00} from a XXXX ( XXXX XXXX XXXX ) XXXX, for which I had signed a promissory note.
The reason for my account being frozen, as explained to me by TD Bank, is that they allege to have made a mistake by depositing {$50000.00} as part of the XXXX Loan, which is what I agreed upon in the promissory note. Unfortunately, TD Bank has not provided any conclusive evidence of this alleged error, and my attempts to communicate with the bank have been met with silence, as they have not returned any of my calls or provided a clear explanation for the account freeze.
The sudden freezing of my account has caused severe financial distress and hardship, as I am unable to access my own funds and carry out essential financial transactions, including paying bills, rent, and daily expenses. Moreover, We had to close the doors to a business that benefitted and made a huge impact on the community, and I am concerned about the adverse impact that this situation has on my credit history and financial well-being.
I kindly request your intervention and assistance in resolving this matter promptly. I believe that an objective review of the circumstances surrounding the XXXX Loan disbursement, the promissory note, and the actions taken by TD Bank will help shed light on whether any mistake was made and whether the account freeze is justified. I am fully committed to cooperating with any investigation or review required to reach a fair and equitable resolution.
I am grateful for your time and attention to this matter. Your support would be invaluable in helping me regain access to my funds and understanding the situation better. I kindly request that you investigate this issue and take any necessary actions to expedite its resolution.
Thank you for your consideration.
Sincerely, XXXX XXXX XXXX
|
| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I took out a TD retail card for XXXXXXXX XXXX XXXXXXXX for {$4100.00} on XX/XX/XXXX.
The account has the wrong mailing address and wrong last name. Furthermore, none of my 3 payments were processed. I was not informed of this by the company, instead I got a XXXX XXXX notice several months later in XXXX that my score decreased by XXXX points. I was also unaware that I had the following charges : - XX/XX/XXXXXXXX I was charged {$29.00} late fee - XX/XX/XXXX I was charged {$40.00} late fee - XX/XX/XXXXXXXX I was charged {$40.00} late fee Total : {$100.00} This is predatory and fraudulent because I did not receive any emails that the payments did not go through or that I had late fees. However, I received confirmation emails the 3 times I submitted payment that each payment was processed. Due to the credit company 's OWN error of having the wrong mailing address, I never received any paper notices that money was past due. I thought this whole time that I was in good standing, and not aware of the issues until AFTER the card services reported 2 missed payments.
- XXXX, paid {$440.00} over the phone to bring my account to good standing so I could update my address. I was told they could reach out to the credit bureau to remove the false late payments. Customer service could not tell me why the payments were not processed, and blamed this on me.
- XX/XX/XXXX, called to confirm the payment was processed, and was told my address was still incorrect, I owe more money, and that the company does not contact the credit bureaus.
Prior to this I submitted payment : - XX/XX/XXXX {$1000.00}, email confirmed received XXXX, {$800.00}, email confirmed received XXXX, {$1000.00}, email confirmed received Total : {$2800.00} I am requesting that all late fees be reimbursed, that the 2 late payments be permanently removed from my credit report, and that my credit score be adjusted to what it was prior to those 2 marks.
I have never missed a payment in over 7 years, this is the first incident, and it is not even my fault. My highest score in XXXX was XXXX before all this. I appreciate your understanding and help to resolve this dispute and reinstate my correct credit score.
|
| 09/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
On XX/XX/2021 I received an email from TD Bank that a Convenience Checking account was created in my name. I received immediate subsequent emails that the contact info on this new account was updated. I did not open this account. I called TD bank immediately and waited 2+ hours to speak with their fraud department. After a troubleshooting conversation with their customer service, we finally discovered that someone opened an account fraudulently using my Social Security Number and former married name ( XXXX XXXX ). TD Bank could not actually confirm any account info unless I provided my Social Security Number to them. I requested that this fraudulent account be immediately closed, but TD bank said they must complete a fraud investigation first before the account could be closed. They tell me that they put a " block '' on the account. Since then, I have been following the instructions on identitytheft.gov for reporting and repairing my identity. I have filed a police report, requested an extended fraud alert and credit freeze with the 3 credit reporting agencies, ordered a XXXX report, and alerted my current and former employers, in case my ID is being used for Unemployment Compensation fraud. I have called, emailed, and send certified mail to TD Bank at least 5 times since XX/XX/XXXX, requesting that they close my account. Thus far they have been unresponsive. The only feedback I have received was during my phone calls, where TD agents continue to tell me that the fraud investigation must be completed before my account is closed. When asked, they are unable to give even an approximate time frame of when the investigation will be completed, and the account will be closed. The only option given to me to close the account was to visit a TD Bank branch in person - the nearest branch is a 5 hour drive from my home. Today I received my first piece of mail from TD bank, which was an account balance statement for this fraudulent account that I requested be closed. I am requesting that you investigate why their response is so inadequate, and I am also requesting your assistance in having this account closed, and written confirmation of the account closure sent to me.
|
| 09/22/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
XXXX XXXX XXXX, This is my written notice, pertaining to a Finance Contract Violation of Refund/Credit for the Cancellation of Service Contract, Breach of Express warranty-State Law : Implied Warranty ( bought Service contract within the 90 days ) had repairs done at dealership, misrepresentation -mishandlings.
First time purchasing a car through a dealership along with financing vehicle, and, purchased a Service Contract {$2400.00} included in Total Financing of vehicle. The Cancellation of Service contract was done on ( same day as repairs/problem with vehicle ) because of /results of : dealership misrepresentations of Service Contract ( prior to doing Any work on vehicle ) - from my understanding a service contract and bringing in to the dealership ( who sold vehicle ), the recently purchased- vehicle that, this type of work was done, Or/ Should of been done and inspected as general certification of a used vehicle, the -misrepresentations of coverage/use of service contract/processes to follow for service/repair - I then took my financed vehicle to another credit union, I recently came across the paper work for my vehicle ( for which I still have- to possibly- sell privately ) and realized that I was never credited to my Principle the {$2400.00} Service contract to my Principle Balance and, All during that time paying Interest on-and also ( Still was Never- done During the Time I refinanced/went through another credit union ). ( Curious as to what Smart Cash is? And to Whom an error of crediting to a wrong account? How that happens/allowed to happen when paper /trail verifies the fact accuracy ) A letter from dealership general manager response states a cancel check to Finance organization was sent to them from dealership and states the payment was to apply to lower the principle on loan ( for service contract cancellation ) and the " Cancellation Form says '' Selling Dealer is responsible for All Refunds '' CONTRADICTIONS Mishandling 's, Misrepresentations, Fraud.. The reasons as stated are for what is rightfully mine.
I am seeking Reimbursements- the : Service Contract amount {$2400.00} plus Interest, and repair costs {$210.00}.
Enclosed /Copies :
|
| 08/29/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
A few months ago I noticed a charge on my XXXX card that was not authorized by me and it was done on my XXXX card from my cellular phone towards XXXX, a travel booking website. I have been having fraudulent issues which XXXX is aware of because I had to close all of my authozied user cards recently and reverse foreign transactions. When I noticed this travel booking I diputed it with XXXX but was not successful and was told I had to call my credit card company. Someone has hacked my emails, credit cards and telephone and was making nonchalent purchses to see if the card was working and open and then they would go ring it up at various webistes and stores. I am not sure what the fraud is or was but a lot of my crads have been compromised and all of my emails had to have new passwords set up. Our building has had endless mail theft and brake ins and my XXXX XXXX XXXX bills were also stolen, leading me to believe my cellphone was compromised and apps used on other devices tgatbused my login for XXXX. Who ever this is they have damaged my life for the past 8 months and XXXX is WELL aware of this and yet they have denied my refund! I am truly appaled at their horrible lack of sensitivity to my stress and ashamed that between the thousands I spend and pay back montgly they are refusing to believe me when I say my XXXX, mail and emails have been hacked as have my authorized user cards and apparently mine as well. We have police reports which I am happy to send but must obtain from our Homeowners associateion which can take weeks to mail out. Im just shocked at how awful XXXX and XXXX are treating me! If my {$370.00} is not refunded I am prepared with all documents and prooof to sue XXXX and XXXX immeidtaley. Shame on them for all the stress they are putting me through I deserve far more! I am a loyal and great cutsomer and have fallen into the hands of thieves and they could care less. Also, the documents and evidence they have mailed me from XXXX are terrible and not legible at all! I have attached everything to this complaint. Please reprimand XXXX and XXXX and investigate their unfair and scandlous actions against me. I cant imagine thinking I have to pay this!
|
| 10/06/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
The company finally contacted me after numerous phone calls, request for contact on their site, email to the company, XXXX complaint, and finally a complaint submitted to CFPB. I want a payment applied to a specific line on my account. I traded in a phone to XXXX which was financed using XXXX finance. They are refusing to apply a payment to the line of the phone I traded in because I have a line in which is deferred interest rather than waived interest, claiming it is in my best interest to apply the payment to the deferred interest line first. However, the deferred interest credit line does not come due until XX/XX/XXXX, of XXXX, and has a balance of only {$720.00}. If I wanted to I could make that payment today. In reality, I didn't need to finance that purchase in the first place but at 0 % for 2 years why wouldn't I so I can keep my own money in the bank accruing interest for me.
Additionally, we traded in my girlfriends phone back in XXXX and a supervisor at that time applied an additional payment to the line it was financed on rather than the deferred interest line and stated as a supervisor she could but a regular customer service agent could not. I have statements showing the payment was applied to the waived interest line rather than the deferred interest line. The lady I talked to even saw them but claimed the last supervisor was not supposed to do it. My XX/XX/XXXX statement is attached showing two payments on page 3, one for {$130.00} and one for {$53.00} going to credit lines XXXX and XXXX respectively, which as shown on page 1 of the XX/XX/XXXX statement also attached were waived interest lines.
The lady refused to connect me to a supervisor stating she was a supervisor and her supervisor does not take phone calls. I then told her to have him/her call me to which she replied they don't make phone calls.
So, they are forcing me to continue paying for a phone I no longer own because they refuse to apply MY money to MY account in the manner in which I want. This is absolutely asinine. I will make $ XXXX this year and hardly need these XXXX to tell me what is in my best interest financially.
I am seriously considering contacting a lawyer.
|
| 04/24/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Twice the charge of {$20.00} has been charged to the account as a returned automated account fee.
There has been a dispute that the account had never been set up for an automated account. The option online was not even enabled. The account was NEVER set up as an online automatic payment. A challenge was made to inquire if the account was hacked.
Also, on today 's phone call, it took 7 representatives to get with someone from what is to be Escalated Complaints.
Regardless of a warm transfer or cold, the account was re verified.
They also stated that a Power Of Attorney was needed in order to speak with someone over the phone. This was refuted. They verified the account 7 times to allow authorization to a third party. Any other person without knowledge, would have just taken their word that a Power Of Attorney is needed.
The Customer Service counter at XXXX on XXXX was completely closed and refused to take any payments.
Please request all records. Please request all transaction history and customer calls. A called was made when the account was first open to attempt to make payments on line. This was not made. Physically, the payment had to be made in the store.
It is my belief that XXXX charges incorrect illegal fees. I request that a full investigation is made on their practices and fees in order to determine how many people have been charged returned fees for incorrect banking information. The option to make a Payment online is not always enabled. It is enabled and disabled at their discretion. It will not even reflect as an option.
It is my belief that XXXX misrepresents the payment options available. Please keep in mind, this account was never delinquent. This account had the balance paid in full. There was never any interest charged. The only fee they have been able to collect is this, not once but twice.
The last representative stated that the Payment option is " disabled '' aka completely disappears from the website when there is an issue with the payment. This also means that anyone who is under the belief that they are set up on automatic payments would go into default. No Notice is sent as to the situation.
There was no XXXX Statement.
|
| 03/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
I deposited my paycheck XX/XX/20 for {$4400.00} like I usually do on my app. I have never had a problem with check being held. The deposit went through with no issue. I noticed XX/XX/20, though the money had already cleared from my contractor 's bank account, it showed as a hold on my business bank account with no effort from TD bank to communicate the hold.
When I contacted TD bank on XX/XX/20, the business account costumer service woman I spoke with on the phone was rude and provided no help at all in resolving my inquiry.
She just stated that there was a 6 day hold on the delivery of my paycheck. Apparently such a " large amount of money '' triggered an immediate hold. This is my paycheck and have never experienced any delays or problems depositing a check. Any lack of clarity on the deposit is immediately captured on the app and deposits don't take place unless there's a clear image.
I sent a message to TD XX/XX/20 stating the major turmoil this has caused me and got nothing but a generic reply XX/XX/20 Stating " apologies " caused by the inconvenience. Online deposits over {$1500.00} will automatically trigger a hold. Had I been informed of this, I would have never deposited my paychecks on the app.
I never default on my obligations! I am in good standing with my creditors and my Credit Score is a good reflections of this.
I called again XX/XX/20 inquiring about the status of my funds and a much nicer woman was kind enough to explain the policies on " large '' amounts of money being deposited on the app, she stated my funds should be available XX/XX/20 or XX/XX/20. She also encouraged me to go to an ATM or to a bank teller personally next time. I work during normal bank hours, making impossible for me to take off to deposit a check.
Two weeks later, my money is still not available. I had to tap into my savings to make ends meet. Only today, XX/XX/20 I get a letter from TD, supposedly dated XX/XX/20 ( sure!! ) stating that after all, " my check may not be paid ''. I DID NOT received a delayed availability notice a the time of deposit.
The fact that TD Bank is doing this to any human being DURING THE CORONA VIRUS outbreak it's CRIMINAL!!
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| 08/28/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
I opened a card at Target and was approved for a {$300.00} credit line from the Target credit card. When I received my card when I went to acitivate my card the number for activation took me to a recorded message that sold XXXX products. I immediately though that I must have dialed the wrong number. I dialed it again and only to get the same results. It had no other options for getting to a customer service provider or to activate my card. I decided to activate my card at the Target store where I was shopping.I was informed that I would need to activate my card online. When that was done. It worked and it said that my card was activated. When I went to use my credit the teller informed me that I needed to reapply. I believe that she switched my card without my knowledge to a debit based target card which I was unaware of. As I made my payments on- time and correctly according to the terms of agreements. The target customer service members would constantly tell me I owed more money and that my payments were behind. I reached out several times to Target customer service people, managers. Somehow I was informed that XXXX XXXX was involved in my credit payment history and managing my account. They began to be managing two additional credit cards that I obtained during similar times. I was sure that the information in the brochure when I got my card said another company was the financial underwriter. XXXX XXXX began taking the payments that I would send for payment and still telling me that I was behind in the payments even though on some occasions I paid multiple times. Who is XXXX XXXX and how were they capable of intercepting my accounts so easily. The payments that were made to pay off my small balance were taken and used for large fees that they began telling me that I owed. Please inform whomever is necessary of this scam. I have paid my account in a timely manner and it was intercepted through the customer services representatives and the telephone customer service representatives that your Target stores employ. How else can I keep a good account if your customer service workers, cashiers and telephone customer services employees are unscrupulous!
|
| 06/28/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I am a TD bank customer and deposited a payroll check on XX/XX/XXXX through the mobile app in hopes that my funds will be available next business day as they said. On XX/XX/XXXX, I checked my account and not only are the funds not available but they are on hold for six days. I called the customer service XXXX where they advised me to go to a branch and speak to a branch manager. I go to the branch located located at XXXX XXXX XXXX in NY, I explained my issue to one of the personal bankers and she also advise me to see the branch manager that comes aXXXX XXXX. I returned to branch at XXXX to speak to the branch manager and it looks like everyone was hesitant to even ask her/him to see me. I speak to XXXX who tells me she will take my information and pass it along to the manager and I will hear from them within 3 hrs. About two hrs passed and they told me they are unable to help and to try to another branch with no further explanations. Now I am frustrated because I did as I was told and the branch did not provide with any answers or services. TD bank praises themselves as to be the most convenient bank but yet no one is able to help. I called back the XXXX customer service and told me the same story I need to speak with XXXX. I go to another branch located in XXXX XXXX XXXX, and speak with XXXX who told me the branch XXXX was not available and due to the fact that it was XXXX in Friday night, I need it to return on Monday morning. Now my frustrations are on high level since first no one could give me a straight answer as to what's going and how can I be help, no one attempted to even help me with my issue, XXXX at the XXXX XXXX advised that it is best to cash your check rather than to use the features that HIs bank TD offers. It seems that branch managers doesn't work past certain hours, therefore if you an an issue you just have to deal with it on your because they are unable to do so. I am very frustrated at this incident. TD does not hold their vision as to being the most convenient bank and yet I have not found one employees that could help me. I am very disgusted at the matter. They are misleading customers as to their vision and customer service.
|
| 03/06/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My husband and I are XXXX and we recently had an issue with our mortgage payment. While we had been overpaying our mortgage for the last 2 years, a change in the monthly escrow payment in XX/XX/XXXX resulted in an underpayment situation. While we were paying our mortgage payment each month, we were slightly off ( XXXX-XXXX USD ), and as a result our credit report now reflects two 30 day late payments. To be clear, we sent our mortgage payment each month, but because it was not the right amount TD Bank marked us as late until they received the next month 's payment to apply the additional {$20.00} needed. TD Bank sent notifications of the change in escrow, not to the right address. From talking to two separate TD Bank reps I understand in our account notes it shows a long history of returned mail since XX/XX/2016. Despite this mail being returned TD Bank did not call our telephone numbers on file or email us. Since initiating the dispute I looked at my account online and found I HAD updated our address online, but TD Bank required I send this request in formal writing. I did not see that request in my online account message board.
In the attached paperwork you will see we requested TD Bank remove the two 30 day late records- based on the mail issue, the fact we were sending in payments on time, just the wrong amount, and our history of timely payments that were in fact over-payments, vice under. We also attached XXXX ( like XXXX ) explaining we are XXXX, which helps to explain why we were n't getting the mail. This is an important issue to us, as our credit scores had been XXXX, and now they have dropped significantly.
Depite all this paper work TD Bank refused to remove the two 30 day late notices. I believe they should remove these notices as : we had updated our address online, but their system did not reflect same ; we had a positive overpayment history with this mortgage ; and TD Bank made NO EFFORT to contact us via the valid telephone numbers and email addresses online, dispite getting all correspondence returned to them.
We appreciate your attention in this matter. Please advise if you need any other information from me. Regards, XXXX XXXX
|
| 10/14/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
Nordstrom lowered my credit limit from {$7500.00} to {$1000.00} without notifying me in violation of federal law. When I looked at my credit report and saw this decrease, which had a negative impact on my credit score, I called them and asked them why they had decreased it as I had received no notice. The representative informed me the limit was decreased due to inactivity. I informed her that I never received any notification that it would be decreased, and explained that previously when Nordstrom had threatened to do this, they sent a letter notifying me and I subsequently called in and told them that I did not want the decrease, and they kept it the same. In this case, I informed her I never received anything. She told me that something was sent, and I requested a copy of it. She could not locate or produce anything to provide to me, and when I asked about why not, she went to speak with her supervisor who said Nordstrom was not obligated to send me any notice. She said they were only required to send notice if an account was being closed. When I explained that had not been the previous practice ( as I had previously received notice that the limit was decreased ) she expressed ignorance to this practice. I said it made no sense that they would inform a consumer of their account being closed, but not that the credit limit was decreased, which had an adverse impact on my credit score. I told her federal law requires consumers to be notified of any action that might have an adverse impact on their credit score. Adding insult to injury, when I requested a credit increase I was denied and told it would not increase unless I made months of purchases on the card, which is extremely predatory. I never received notice that the limit would be lowered, then when the limit is lowered ( which decreased my credit score ), I am told the only way to increase it is to make purchases with the card for approximately nine months. This lack of notification, which violates federal law to inform consumers of adverse action impacting their account seems design to engender additional credit debt in a predatory fashion is egregious, which is why I am filing this complaint.
|
| 12/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, we paid off our loan with TD Auto Finance. On XX/XX/XXXX, we called XXXX XXXX XXXX to confirm payment & title release. Currently, our account shows closed and no remaining balance.
On XX/XX/XXXX, we called TD Auto Finance, and the representative stated the title was released on XX/XX/XXXX.
As of XX/XX/XXXX, we still have not received the title. On this day, we called TD Auto Finance again, and the representative told us that she saw a couple of error messages on our account, XXXX involving the title and another on payment. The representative was helpful but was not able to provide any further information.
TD Auto Finance has delayed our title release despite paying the account off. Also, with the call on XX/XX/XXXX, and the errors in our account, they have failed to communicate any issues/errors and have delayed our receipt of the title.
We are selling the vehicle, and this delay and TD 's lack of communication and poor service have caused us a negative reputation with a buyer and the risk of financial harm, at the least.
In the spring of XXXX, we will purchase a new vehicle. This experience and the XXXX XXXX XXXX XXXX article of XXXX XXXX will impact our choice of who we will use for financing.
On XXXX at approximately XXXX AM Eastern Time, XXXX XXXX XXXX New Hampshire Department of XXXX XXXX XXXX They confirmed TD Auto Finance had not contacted them that the account is paid in full and the title will be released.
This morning, XXXX, we called TD Auto Finance and the New Hampshire Department of XXXX XXXX XXXX NH XXXX XXXX.
In a call with the NH XXXX, they informed us the error code being received by TD Auto Finance does not exist. The NH XXXX records are correct. The NH XXXX also informed us that there is no need for TD Auto Finance to contact the NH XXXX.
We did everything right by paying our loan on time and paying it off, and TD Auto Finance is refusing to release our title. We have spent an enormous amount of time away from our jobs to make phone calls, which we should not have had to do.
Based on conversations in many online forums, TD Auto Finance has a negative reputation, especially for holding titles XXXX.
|
| 02/25/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My wife and I had a 63 month installment loan with TD Bank for the purchase of a new XXXX XXXX XXXX. This loan was set up for auto payment from my wife 's checking account. Because of a timing/Bank error, payment XXXX, then XXXX were not taken by auto pay. Neither one of these non-payments generated any correspondence from TD Bank, giving us the impression all was good. During the same period, approx. early XX/XX/XXXX, TD Bank did send correspondence letting us know that the last payment would not be taken by auto pay due to their system and that we would need to make other arrangement, Check or over the phone payment, to make the final installment. On or about XX/XX/XXXX, I reached out to TD Bank to make the final payment, at which time I was verbally informed of the two prior payments not being made. While on the phone and checking my wife 's records, we became aware of the two missed payments, acknowledged that fact, and made a payment to settle the loan in full. A week later, TD Bank sent two letters that arrived on the same day, one being the lien release, the other being a statement saying that they could report our delinquency to the reporting agencies, which they did. I have reached out to TD Bank multiple times since this incident and have been informed that because an auto pay was declined by my wife 's bank, their system is not " set up '' to generate a non-payment letter because of " insufficient funds '' reason.
My argument to TD Bank is that, there is blame to go around, ours because we did not recognize the payments not being made, but also theirs for 1 ) not informing us when the XXXX payment was late, then the XXXX payment was late, 2 ) taking into account that it was my outreach to them that made us aware of this issue, and that it was handled immediately, 3 ) recognizing that their " system setup '' helped create this issue by not informing us.
There is fault by us and TD Bank, TD Bank has reported a 60 and 90 day late payment against mine and my wife 's credit report, their customer service has acknowledge fault but has said " legal '' has no wiggle room and must report everyone equally regardless if they are part of the blame.
|
| 06/04/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
In XXXX I opened a home equity loan account with what was known then as T.D. North Bank in XXXX XXXX All went as was suppose to, I got my payment book, and began making my payments. The amount due was {$180.00}, of which I paid until in XXXX of XXXX I started to pay {$180.00}. A round up of XXXX cents every month. This was because of hearing from many sources that every extra penny paid toward the principle could help shorten the length of payments over time. When the bank now known as TD Bank stopped using payment books, I had to use their monthly statements that they sent to me to make my payments. No problem except I noticed that they were showing a lesser amount of money due each month, than the agreed {$180.00}. With a few calls I found that the amount due was still the same, but the they wanted me to use the extra accumulated funds toward the monthly payment, and not toward the principle. I have had this problem occur several times with this bank, and with frustrating calls to numb skulls who do n't any thing about banking, ending up talking to some one with some experience correcting the problem. Well it has happened again, I called when making XX/XX/XXXX 's payment, I was told it was taken care of. I got a print out from one XXXX XXXX, Loan Operations Supervisor. It showed my account from XXXX/XXXX/XXXX, XXXX payment on XXXX/XXXX/XXXX to XXXX XXXX of XXXX, as well as a letter telling me this was the information I requested.
I think this speaks volumes to the incompetence of this financial institution.
When I went to their web sit today to make my monthly payment, I found they had not applied the extra funds to the principle, in fact they are still floating as they have in the past.
The amount due is {$180.00} per month, I pay {$180.00} each month. a surplus of XXXX @ month. The web site today showed I had to pay only {$170.00}, a difference of {$8.00}. Now if you do some basic math, {$8.00} - : - XXXX c = XXXX, that is XXXX payments I have made with the extra XXXX cents just floating, not applied as I was told they would do.
I am XXXX, and on S.S., as well as with out transportation. That is why I pay every thing on line when possible.
|
| 07/12/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
To Whom It May Concern : My name is XXXX XXXX XXXX and I am currently a credit card holder of XXXX XXXX XXXX furniture store. I have been disputing the late fees attached to my acct ending in # XXXX which have now accrued to {$190.00}.
Please be aware that I have called on numerous occasions regarding this, to only be offered a one-time ( yearly ) waiver of 1 late fee. This domino effect of late fees are stemming from the fact that my billing address was never updated in the store back in XX/XX/XXXX when I initially placed my furniture order.
When I received my first bill it was on XX/XX/XXXX and already had late fees when it was finally forwarded to me thru the postal service. I immediately called TD bank inquiring as to why they were sending the bill to my old address, when we changed all info in the store, when I placed the order and also gave the address to where to deliver my new furniture order.
The staff member pulled up my account making note of an old order that I had previously paid off with XXXX XXXX XXXX and stated she does not know why it wasnt changed in the system but that she would amend the info and update it. She suggested that I pay my regular {$65.00} payment that day ( XX/XX/XXXX ) in which I did, and she would put a request in for the waiver of late fees. She also stated that I would be receiving my XXXX statement at my new address of XXXX XXXX XXXX, XXXX NJ within the next week or XXXX.
I never received a statement for XXXX. I did, However, receive my first statement for XX/XX/XXXX at the correct address now with more late fees. I am requesting my account be adjusted to remove these late fees. I feel like I am being punished for something that fell short on the part of Raymour and Flanigan. I am now on a fixed income and these fees are causing me a major hardship. I have had other accounts with Raymour and Flanigan with Absolutely no issues that I have paid off in full and I would like to stay in good standing.
These gouging fees can not be fair to the consumer. Especially when it was no fault of mine. I am requesting assistance from the CFPB in helping to rectify this matter.
Thank you, XXXX XXXX XXXX XXXX XXXX
|
| 12/07/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
On XX/XX/2018 I sent my brother XXXX XXXX {$1400.00} through XXXX a third party. My little brother almost immediately received an email from TD Bank which I have attached which stated the money could not be transferred and was being sent bank to XXXX XXXX at XXXX XXXX XXXX. Obviously, when he told me about the email immediately checked my bank and noticed the {$1400.00} was not put bank in my bank. Immediately after, I called my bank, XXXX XXXX XXXX who said the transaction was failed and the money would be posted back in my account because that is what happens when a XXXX transaction FAILS. If the transaction was completed and it went into another account there is absolutely nothing they can do BUT that was not the case. After almost a week I called back and they told me that they have no idea what happened and I would have to file a claim which takes somewhere from 5 - 60 BUSINESS DAYS. Several days later I received a letter from the bank saying the claim has been completed and that the {$1400.00} was put into the wrong account at TD Bank. They stated that TD Bank would have to ask the customer/client for the funds back who received the funds. They said TD reached out to customer and customer declined to release those fund which is the craziest thing I have ever heard in my life. I decided I would call in every day until it was resolved. I know all calls are recorded and every time I called XXXX XXXX XXXX told me something different. The 2nd time I called in they said TD bank reached out to the customer and never received a response. Keep in mind I was laid off from my job during the time period so that {$1400.00} was vital to my life. I called in once again to XXXX where they escalated the call. They had the XXXX analyst reach out to the TD analyst who was handling this specific claim who told my XXXX analyst who was handling the claim that they have the {$1400.00} and they would give XXXX no more more information regarding this. XXXX XXXX XXXX told me to file a law suite against TD Bank. Again all calls are recorded and to me not only did they steal {$1400.00} but it caused me to move and late payments on all my loan and much much more.
|
| 10/31/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American, Servicemember |
|
TD Bank online banking system has some sort of internal error happening that " locks " out the customer from their account. This has happened multiple times ( a minimum of 10x ) over the past six months ) and TD Bank forces me to drive to their branch location and then creates an temporary User Name & Password in order regain entry into the account.
I am a very sick home bound elderly person that can not make the trip to the bank and the employees & supervision ( of which is little to non existent ) has no respect, consideration and or understanding for my situation. From my experience there is No Management team overseeing problems of the customers. The Board of Directors and or those on the TD Bank board are inaccessible to the customers and it's beneath them to solve problems. I've tried writing to the CEO, CIO, and the customer service center at TD Headquarters in New Jersey. I received no help and not even acknowledgement that they have a major problem. How many people are being locked out of their accounts on a regular basis. Their Chief Information officer XXXX XXXX will not take phone calls, emails and or messages and there is no way for the consumer to get a hold of their software team that runs online banking. TD Bank is a broken record of telling me to go into the local brank so they log me into my account. They could care less I'll be locked out again in a few days to a week. Even when you are 100 % sure of your User Name & Password you still will get locked out of your account.
Below is all my information pertaining to the local branch of TD Bank in XXXX XXXX, FL and my banking online : Online User name : XXXX Password : XXXX My name : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX email : XXXX cell : XXXX cell : XXXX TD Bank 's Fraud department has no standards, security, safety measures to ensure their customers peace of mind. Their fraud department called us last Sunday asking for my account number, social security number, birth date, etc. and I had No IDEA who the XXXX they were and they were evasive and not wanting to answer specific questions to properly identify their presence. It was outrageous
|
| 09/17/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
On XX/XX/XXXX I ordered a phone ( XXXX XXXX XXXX ) XXXX XXXX. Prior to ordering the phone, on XX/XX/XXXX, I called XXXX ahead of the purchase to gather the proper information needed to decide if I should make the purchase. During this call, I confimred with the customer service representative that upon purchasing the phone that the monthly payment associated with the phone ( {$19.00} ) would be linked to my XXXXXXXX phone bill and that I would pay XXXX directly for the purchase. I then puchased the phone online through their website, upon receiving confirmation, I was directed to contact TD Bank in order to complete the purchase. This is where even more concern of mine comes into play. I contacted TD Bank on XX/XX/XXXX to finalize and activate the purchase at which point I confirmed multiple times over the phone with the representative that not only would my payment be linked to my T-Mobile phone bill, but that was purpose of this call in general as the linkage can not be done online and required a live representative. Upon receiving the phone, months later, I began receiving bills in the random amount of {$19.00} from TD Bank for an account that I had no knowledge of. I began making phone inquires regarding this account attempting to dispute in XX/XX/XXXX. In XX/XX/XXXX, I believe that is the correct month, I was directed to file a dispute online. This dispute took well over 90 days to resolve and the resolution on indicated that they confirmed I made a purchase with XXXX XXXX. None of my request to look into their deception was reviewed and completely overlooked. I was never looking to open a credit card account, and I have actually never even received a credit card from either organization. However, my credit has been incredibly impacted and I owe way more on the balance than I ever intended on paying for a phone for an account I should have never had. Since receiving the results of the dispute, I have attempted to redispute this with both TD Bank and XXXX XXXX as none of my questions were responded to. I have also been pending a manager call back from TD Bank and made over 4 requests for this just in the last month alone with no response.
|
| 01/09/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I am an account holder for my personal, business and Interest on Lawyer 's Trust Account ( IOLTA ) accounts. In addition, I have a joint account with my husband, XXXX XXXX. My husband also has a separate account and we have XXXX savings account for our children. All of these accounts are with TD Bank.
I am astonished at how many overdraft fees that have been charged to my accounts. The following fees have been accessed since XXXX of XXXX : Business checking assessed {$18000.00} XXXX Simple Checking assessed {$3100.00} XXXX simple checking assessed {$3700.00} After reviewing all of our accounts, we are outraged at the amount of insufficient funds we have been charged on these accounts. I have numerous times demanded that I be removed from the overdraft protection on all accounts. Several times it was never completed. Finally, in XXXX of XXXX I again asked to be removed from overdraft protection because charges were allowed to go through when funds were not available in the account and I would be charged an overdraft fee for each of those transactions. I was told I was removed only to find out as of today more numerous overdraft charges are still being assessed to my account. When I called today to protest the representative informed me that I was not " fully '' removed from the protection. I demanded an explanation as to why I was n't " fully '' removed on all of my previous attempts. She did n't have an answer and actually hung up on me.
I have learned from your representatives and from my own research that TD Bank is notorious for running larger amount of transactions first and then running all the lesser amounts so that more transactions can be assessed the overdraft charge of {$35.00} for each transaction. These transactions are usually in the tens of dollars and often as little as a {$1.00} and for each transaction I have been charged {$35.00} in transaction costs, totally over {$25000.00} in overdraft fees. This is outrageous. I can not imagine how TD Bank is permitted with federal oversight to engage in such price gouging. I also can not imagine this has n't received more attention from consumer advocacy groups or even account holders.
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| 03/02/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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( Translated from XXXX to English by a family member ) Account ending in XXXX. In XXXX of XXXX, I, XXXX XXXX, date of birth XX/XX/XXXX, went into Nordstrom Last chance located on XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I am XXXX-only speaking and was assisted by a representative who did not speak XXXX. I understood I was applying for a credit card. I do also recall making two purchases. She rang up a hair clip for about {$1.00} or so, then rag up the rest of my items. Due to the language barrier, I was not sure why, but I thought this was a bit odd. A few months later, I received a collection call from Nordstrom, saying I have a late balance over {$2.00} or so. The entire time, I thought my purchases had been made using my debit card, I dont understand why they would have rang up a hair clip separate, so I thought that was strange. I have NEVER been late on any payments, and would never be late for a transaction under {$2.00}. When I was talking about this with my nephew, who works in the financial services industry, he asked me if I understood the representative who helped me, and I responded with the honest truth, no I did not. He was very concerned with the predatory practice and for the employee not getting a translator or having someone explain what was happening. When he helped me call Nordstrom, the phone representative explained that the store representative gets credit card sales credit for any purchase over one dollar. Clearly, the store employee is manipulating the system by running a transaction over a dollar for her own benefit, and not in the customers best interest. Now, due to a lack of understanding and lack of explanation, there was a purchase for less than {$2.00} that was run on this card that was not in my possession instead of my debit card. I had no reason why to separate my purchase into two purchases, but was manipulated by an employee to benefit her sales goal. Now due to this purchase for less than {$2.00}, it has created a 60 day late reporting to my credit and created so much damage to my score, hindering my home purchase. I really need for this to be corrected, as this was malicious and a predatory lending practice.
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| 03/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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Back in XX/XX/2019 I had left for a work trip to XXXX and XXXX for a month and a half. Upon my return to the United States in early XXXX, I found a number of urgent alerts from my credit monitoring company, XXXX. The alert messages made it immediately clear that I had been a victim of identity theft. I soon realized that my once perfect credit score had plummeted, all of my accounts that never had a late or missed payment were closed, and worst of all I no longer had access to my accounts as the person who committed the fraud changed all of the contact information. I immediately called to report the charges and any new fraudulent accounts to the appropriate banks. Getting access returned to me was nearly impossible. As of today, I have been able to restore the contact information with help from a Credit Bureau Dispute but still do not have access to statements and account status has been so restricted I can not even make payments for money that I might owe. I've made little progress since reporting the fraud. Three out of four banks have not restored my access to the account, all accounts remain closed, all accounts still have fraudulent charges and are accruing interest on the fraudulent charges. Collections agents have harassed and threatened me, and fraudulent charges have been added to my credit report. All of the banks have told me I am responsible for all of the fraud charges despite a police report that details what happened and the arrest of the individual who did it, letters from my attorney, and documentation showing I was out of the country. As of XX/XX/2019 all of these banks were still making contact with the fraudulent user even after I reported the fraud. I have been unable to get access to statements while the banks themselves were making calls to the wrong person. Fraudulent activity was reported in a timely manner and well within the time allotted by federal law. All of the notes on my accounts regarding the issue are no longer there, there is no record of the documentation I sent in to the banks despite my attorney receiving confirmation from mail carrier and tracking number that letters were signed off for upon delivery.
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| 06/20/2016 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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An ATM claim was filed with my bank, TD Bank, for a charge in the amount of XXXX which occurred on or around XXXX XXXX from XXXX. I received an information packet from TD Bank today, XXXX XXXX, with information denying my claim, there is documents from XXXX showing information on the charge but did not prove the product/item was delivered. The product/item in question is XXXX tickets to XXXX on XXXX XXXX, I live in XXXX and have not been to XXXX XXXX on or around this date. In fact, my last visit to XXXX was XX/XX/2015. I explained to TD Bank rep taking claim that the product/item was not received and did not make the purchase, it appears someone used my card number to purchase tickets while person was in XXXX, the purchase was made over internet. I suspect their website might have been hacked and or person had my card number written down. The card was not lost or stolen and explained that this is the only unrecognized charge Ive seen so far, did not feel need to order a new card. It appears tickets were not used upon learning ID had to be shown to get into event, Ive checked into this and learned that they were not in fact used. This information was provided by rep ( s ) at XXXX as well as XXXX XXXX, the party owned by XXXX. Ive attempted to resolve matter directly, however, XXXX has a strict no refund policy and will not issue refunds, even if fraud occurred. They will even deny a charge is fraud so as to avoid having to issue refunds. Their rep ( s ) have referred me back to TD Bank. They have a complaint with the XXXX as well as XXXX, both unresolved. I called TD Bank today to further dispute charge, however, I was advised it is considered closed as merchant provided proof tickets were received, this proof is merely a confirmation showing tickets were sent to my email. However, no such email was received as I have a block preventing any email from unrecognized senders. Also, as mentioned previously, I was not in XXXX on or around time of purchase and no way I would purchase tickets to an event I could not go to. In closing, please advise TD Bank I need this item further disputed. Ive attached an email from XXXX with XXXX denying refund.
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| 09/15/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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TD bank branch representatives incorrectly characterized my IRA accounts as being funded with " rollovers '' instead of " direct rollover/direct transfer ''. In effect a XXXX was sent as a distribution and I suffered adverse tax consequences. In addition, XXXX XXXX (? ) the representative in the XXXX XXXX branch of XXXX, NJ did my paperwork incorrectly. I observed that she wrote my social security number on paperwork and left it in an unlocked desk drawer. XXXX XXXX took XXXX-120 minutes to complete the deposits, which she then called hours later to indicate were incomplete. Her message states that she needed additional signatures from me. I was not given a receipt, and she did not assist in correcting the character of the IRA funding source. My funding checks were left at the branch and I have no receipts or funds deposited although there is a 60 day limit to complete these transactions. When I called the branch this morning in response to her message requesting signatures, I spoke w/ her colleague XXXX who said she would look into the matter and return my call. Over two hours later, XXXX called me back and was verbally aggressive right off the bat demanding I come in to sign forms. She said she could not securely email forms to me, then she got angry when I asked to speak w/ the manager. She lied and said there was no manager on duty. When I asked for his name she told me XXXX XXXX then she was belligerent and asked me, " Yo, what 's your problem? '' I was astonished at this reaction, since I had not raised my voice or spoken tersely with XXXX. I asked her to put a manager on the phone and she hung up on me. XXXX failed to correctly explain the differences in rollover types, I believe she completed my applications incorrectly. In addition, my personal information was unsecure and I believe mishandled as she had various printouts and multiple branch employees assist with retrieving them from the printer. Finally, I was mishandled from a customer service aspect and I do n't want to do business with TD bank in effect. I am extremely concerned about the damages I suffered from my accounts being misapplied and am considering seeking recourse.
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| 08/20/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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In XXXX XXXX, I opened a fraudulent dispute with TD Bank for my XXXX XXXX Cashback Credit Card. I did not authorize the 4 charges of {$950.00} distributed across XXXX XXXX XXXX XXXX ( total unauthorized charges : {$3800.00} ) and the 6 charges of {$990.00} distributed across XXXX XXXX XXXX XXXX XXXX ( total unauthorized charges : {$5900.00} ) to online merchant XXXX. These were all charges made online without my consent or knowledge. After their " investigation, '' TD Bank resolved the fraud dispute in the merchant 's favor and purported that I made those charges. I tried to appeal their decision but they denied that also. I did not make those charges and was not aware of those charges. I was not even notified of these charges, which were in the thousands of dollars, until I looked at my credit card bill. Now they expect me to pay ~ {$7400.00} dollars for charges I did not make. This will devastate me financially. The TD Bank fraud investigator who first contacted me, XXXX XXXX XXXX, called me in late-XXXX XXXX. This was the first time we spoke over the phone, and she immediately accused me of lying and making those charges. I personally found it suspicious ( and rude ) that she would jump straight to accusations before the investigation was resolved. As a result I believed the investigation was already biased against me. I 've also called her 5 days a week every week at her phone number ( XXXX ) XXXX but my calls were ignored. I know they were ignored because her voicemail changed in the time between some of my calls, and she did not call me back, meaning that she heard the voicemails I left her, but she still did not call me back! I can only deduce that this fraud investigator is deliberately ignoring my phone calls. I do not know if she is simply ignoring all phone calls or just mines specifically. I have filed a police report with the XXXX Police Department on this matter ; my case number is XXXX. I believe my identity was stolen along with my credit card information ( I was hacked ), and because of that somebody else was able to make purchases with my card number online without my consent. My case number for TD Bank is XXXX and XXXX.
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| 02/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am writing in reference to the 30 day late payment marks of XX/XX/XXXX - that TD Auto Finance supplied to the XXXX XXXX credit bureaus XXXX, XXXX and XXXX ( I have circled the items in dispute, on the attached copy of my credit reports. ) On XX/XX/XXXX - I mailed a payment check to TD Auto Finance dated : XX/XX/XXXX for the amount of {$660.00} which was to cover the XXXX payment in question. - I explicitly requested the post office to post-mark the envelope which they did was clearly marked as XXXX XX/XX/XXXX ( See copy of Check and Postal Receipt attached. ) On XX/XX/XXXX I noticed the late payment marks on my credit bureau reports, - I immediately contacted TD Auto Finance via phone but to no avail. Finally on XX/XX/XXXX TD Auto Finance acknowledged receipt of payment but they only posted it as a payment received on that date.
On XX/XX/XXXX I sent a letter with certified mail to TD Auto Finance requesting them to correct the erroneous reporting. ( See attached my letter to TD Auto Finance ) On XX/XX/XXXX TD Auto Finance sent me back a canned letter declining to make any changes. ( See attached the letter from TD Auto Finance ) On XX/XX/XXXX I disputed this late payment mark with XXXX but they seemingly only forwarded my dispute to TD Auto Finance. On XX/XX/XXXX I got a response from XXXX that TD Auto Finance once again refused to update my report. ( See attached dispute response from XXXX ) Attachment Summary : 1 ) Copy of my 3 bureaus credit reports circled the erroneous reporting 2 ) Copy of dated check sent for payment 3 ) Copy of Postal Receipt 4 ) Copy of my letter to TD Auto Finance 5 ) Copy of the response letter from TD Auto Finance 6 ) Copy of response letter from XXXX On XX/XX/XXXX I got a response from TD Auto Finance thru the CFPB- with incorrect reasoning of why they wont remove the derogatory reporting ( Completely disregarding the Date stamped Postage Etc. ) The letter was signed by " XXXX - XXXX XXXX XXXX '', with his direct cell phone number XXXX.- where I can call about this complaint, but when I called the phone number XXXX the voice mail says that affective XX/XX/XXXX he no longer works with this division at TD.
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| 02/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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I have had a Target credit card for 8 years since XX/XX/XXXX. I understand that TD Bank runs the credit card. I have paid on time, every month, always. Last month on XX/XX/XXXX, I did my online payment ahead of the due date. 2 days later on XX/XX/XXXX, this payment was returned and a returned fee payment of {$28.00} was charged on top of it. I called Target the next day to inquire, and they told me Accounting had not posted the reason for the issue and asked me to call back another day.
I called again the following week, and was told they could not reverse the fee because THEY were not the ones who charged it, but the bank. They were unsympathetic and I filed a dispute. Afterwards, upon looking through the transaction history, I discovered that somehow, when I was making my normal online payment, an old bank account was selected instead of my current one. I believe that was my old XXXX XXXX XXXX account which I closed a few years ago ; I recognized the last four digits. I did not make this error to my recollection ; I recall selecting my XXXX bank account, which is open and has a healthy balance. Something happened in transit ; one will never know now.
( As a side bar, I purposely don't do auto-pay with my Target card because of their security breach a few years back. It has been because of loss of trust that I have been painstakingly paying manually every month. ) On XX/XX/XXXX, I got back on the phone with them today and still they told me this error is on ME, so THEY can not do anything - not even issue some kind of credit. They showed appreciation that I've been a loyal customer who has paid on time for 8 years, but they did not explore ANYTHING on my behalf to mitigate this situation. I was at wit 's end, and asked to close my card on the spot.
I am simply appalled by their lack of ownership and treatment. I don't care about {$28.00}, but I do care about customer experience and breach of a relationship of trust. This was a horrible experience that took more time and energy than I can give. I'd like to warn other users of the Target credit card against potential flaws in their payment system that can result in unexpected fees.
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| 09/11/2020 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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TD Bank has been holding {$8700.00} since XX/XX/2020 after having froze all of my accounts, giving me absolutely no access to transact on my accounts and on XX/XX/2020, made the decision to close all of my accounts and return the funds.
The reason for this was because these particular funds were direct deposited on behalf of my former roommate, who appeared with me in person, verified their identity by showing an NYS State ID, a US Passport, and Documents from the NY Dept of Labor therefore authenticating their identity and the validity of these funds.
Despite successful verification, TD Bank called me back after a 3 day review to tell me that they were going to close all of my accounts and return these funds back to where they came from. Prior to this unresolved matter which has now been ongoing for 2 months and 2 weeks, I was told and instructed over the phone by the TD Bank Fraud Dept to show up in person with the individual who is claiming ownership of these direct deposits, so that they could be verified and the accounts could be brought back to a normal status.
This account freeze had caused me to suffer the entire month of XX/XX/2020, since my direct deposit comes from the XXXX XXXX XXXX on every XXXX of the month. TD Bank rejected my monthly direct deposit on XX/XX/2020, which ultimately put me in a situation where I had to wait an additional 3 weeks to receive my monthly benefits, and delayed me accessing my retirement benefits until XX/XX/2020.
It is now XX/XX/2020, and TD Bank has not returned the funds to the NY Dept of Labor because my roommate is well aware that TD Bank still has the funds sitting in a frozen checking account under my name, which they have NOT closed and issued a check for. I have attached my most recent checking account statement, which proves TD Bank had left this matter ignored after closing my savings account and rejecting my direct deposit.
My close friend would like her funds returned to her immediately and does not want to have to endure any more punishment, considering TD Bank has left these funds inaccessible to her for more than 2 months, although she is a now a client of TD Bank.
|
| 03/03/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I am writing to request your help. I tried to resolve this issue with TD Bank previously and did not receive any type of help. I am just asking what is fair. TD Bank is reporting a late payment on my credit report that occurred due to my mail being stolen and preventing me to receive any statement or late notice for me to honor. I am aware it is my responsibility to make sure the payment is delivered on time however, I did not receive my statement. I even reported this to the law enforcement agencies ( see attached proof ).
I have always made my payments on time and will continue to do so. After realizing the payment date, I immediately made the payment, but by that time I was already marked late.
Again, this was a situation that I could not control. Now I have a perfect record of on-time payments. I am requesting that TD bank removes the late payment from my record. By the time of the late, I had over {$50000.00} in the bank, which was more than enough to make the payment. This was not a money issue and I did never mean to be late.
I feel stressed out with this situation. I even had to go to the doctor because I started experiencing health issues. I am demanding what its fair.This late payment is related to fraud. It is my right to dispute inaccurate information and have it removed, according to the FCRA.
Account information : TD Bank USA/Target Credit. Account # XXXX. Opened XX/XX/2018, limit {$500.00}, status : paid and closed. This is the last step that I am taking before taking this issue to the next level and let the XXXX XXXX county courthouse take a decision.They have committed multiple violations under the FCRA, such as FAILING TO INVESTIGATE ACCOUNT AND FAILING TO MARK ACCOUNT AS DISPUTED AFTER THEY RECEIVED MY DISPUTE NOTICE. This is causing me financial and mental issues because my financial life is being ruined, I have not been able to obtain a loan of over 1,000,000 dollars and just because the late that TD Bank is reporting, which was not my fault.
Thanks to whomever reads this complaint. See attached : - Letter sent to TD Bank and proof of fax ( which they ignored ) - Bank statement showing funds - FTC Report.
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| 03/05/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
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On XX/XX/XXXX TD bank set up landlord tenant account for my XXXX XXXX XXXX, as required this account needed to have my name on it. I was not aware of this account as is the norm however I assumed my landlord would set up the account as was required by our lease agreement.
On or about XX/XX/XXXX a new account appeared for me XXXX XXXX in addition to the one account I had with TD Bank. I had not seen this account before and was frankly surprised and confused by what it was. So I went to TD bank and they informed me that it was in fact my account my money. At no time did they indicate that this was in fact a landlord tenant account. On or about XX/XX/XXXX TD bank froze my account and set up a debit for over 4000 dollars.
After I discovered this I went to the bank to find out what was going on and I was told that in fact the account that became visible available to me in XX/XX/XXXX was in fact landlord tenant account and the funds with that account I should not have been able to access at any time nor should I have been transacting any business on that account.
So after visiting the branch in XXXX NJ I was put in contacted with XXXX XXXX from TB banks fraud unit he told me that account was frozen for unjust enrichment and acknowledged 1. My having access to the account is a td bank error and 2. That the landlord had filed an affidavit seeking the restoration of funds to the account.
The account was Frozen from XX/XX/XXXX to XX/XX/XXXX the debit from my account caused the account to be over drawn. In addition my direct deposit could not be processed as TD bank indicated to my employer XXXX XXXX XXXX that the account was closed.
TD Banks behavior in this instance is outrageous. They would not provide me the affidavit they did not contact me prior to taking action and NONE of this would have occurred if TD bank had not changed made the error that created all of this. There was ZERO due process and zero communication with me. If there was I could have worked with the bank and resolved this issue without costing me overdraft fees and without messing up my direct deposit. I will pursue legal action ; that at this point is not in question.
|
| 02/06/2017 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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On late XX/XX/XXXX we brought a {$690000.00} check after we sold our residential house, to TD bank for XXXX, where I have checking account, the XXXX direct us to talk to their so called investment personnel, she persuade us to put money in Annuity, she claimed interest rate is high in Annuity, we told her we need money soon to purchase a house, right now we are renting, she said we can close account when we need it and get prorated, now we want to purchase a house and need down payment, we instructed her XXXX weeks ago to sell all my annuity which was {$500000.00} and deposit back to my account, then we realized she only could closed XXXX account {$300000.00}, and also found out the other {$200000.00} she open a XXXX years term XXXX, which can not close prematurely, there is penalty of {$17000.00}, to avoid penalty we have to wait XXXX years, XXXX tried to block me from contacting Delaware XXXX she suggested we need money we can get mortgage or home equity, we were shocked to find out after we contacted XXXX that the interest is XXXX % only and XXXX said her TD bank can give us mortgage, and leave Annuity open for XXXX years, everybody know mortgage is now XXXX % more, but after we complain to Better Business Bureau that she never showed us the annuity policy, just gave us paper to sign, if we saw the policy, we wo n't agree to put the money to a account that we can not close until XXXX years later, TD bank stated there was miscommunication, it was not miscommunication, we signed the paper of annuity because we trusted her, we never imagined she lied and cheated to benefit herself for bonus, and TD Bank showed us the copies of what we sign, and found out she made up story of how we do n't need money in 5 years and we want a higher yield then checking account and so on, even go further to make story up that we sold rental house and do n't need any money, so she decided XXXX is very suitable for us, TD bank has no sincere to solve the problem, just insisted that we signed papers so no more argument, we all know customers usually do n't read every single line just trust whatever seller said, or signed at whatever paper seller want to show
|
| 01/24/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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Over the past year I have been using TD BANK locations around XXXX, XXXX. I used the account solely for convenience and to cash 1 check per week. I paid the mo thy fees for low balances ( {$15.00} checking/ {$4.00} savings/ as well as {$3.00} ON TOP OF fees already charges by out of network ATMS ).
I was always careful to keep the balance positive. The few times it went negative ( less than {$10.00} ) I quickly deposited/transferred money within hours and almost always had the account positive by business days close. This incurred repeated {$35.00} fees.
During the last week before closing my accounts ( final week of XXXX 2017 ) I also had an atm eat {$20.00} of a {$600.00} deposit, to which the tellers directed me to an outside company. I was reimbursed the misplaced {$20.00} after I initiated a review of the atm and it was found to have excess money in it.
I went in that week to close both account where I signed paperwork in person and was told the branch manager would personally close the accounts in about 2 business days.
When I checked a week later the savings account was still open. When I called to ask what the hold up was the operator said they did not see the account set to close. I then had to reinitaiate the closing process by phone even though I had signed physical paperwork at a branch to do so the week before.
I did not complain about the $ XXXX/mth fees I paid to have accounts and deposit my one small check a week. I did not complain about the {$1.00} charged for every bill I wanted to pay from the accounts. I did not complain about the {$6.00} ( {$3.00} TDBANK charge ) combined atm fee for using outside ATMs. I started complaining about the {$35.00} fees for being overdrawn by {$7.00} for 2 hours. The final straw was having an atm steak money from me and be told it was not the banks responsibility and be directed to an outside vendor.
This all culminated in the closed accounts, which I signed in person, not being acted on and remaining open. Which inevitably would have ended in more fees and more overdrafts ( since the bank told me not to deposit money as this would reopen the account ). Enoughbis enough.
|
| 09/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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Web |
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On or about XX/XX/2021 someone stole {$800.00} ( XXXX and {$300.00} ) from my checking account using 2 separate ATM machines/locations. On XX/XX/XXXX ( a Saturday ) I noticed my account was emptied when I tried to check out at a store and a nominal amount would not go through. I quickly checked my account on my phone and saw these two ATM withdrawals that I DID NOT DO. It should be noted that I have never withdrawn funds from my account via ATM 's for the entire time, almost 5 years, I've been a customer of TD Bank. I only occasionally would get {$20.00} cash back from my grocery shopping. This is easily checked by them. I have NEVER given my card to anyone else to use. I called TD 's bank fraud hotline wherein they told me to follow up in person on Monday, which I did. I went in person to a TD Bank branch near me an reported this theft. They closed that card and gave me a new temporary card. The bank officer told me I'd need to file a police report and bring back a copy and she would submit it to their fraud department. I did that and emailed and hand delivered the police report on XX/XX/2021. XX/XX/XXXX I returned to the bank to inquire about my funds and theft and the bank officer said it was DENIED. She resubmitted the report of theft along with the police report. On XX/XX/XXXX I sent a follow up letter about this theft and the fact that they did not credit me my stolen funds. On XX/XX/XXXX I submitted another letter via email and hand delivered copies of my letter about this theft. I kept checking my account for the return of my stolen funds, They do not acknowledge my emails/ letters and treat me as a nuisance and a criminal when I go in person. I AM THE VICTIM. I am a student this was every cent I had. They still have not credited me back my stolen money nor did they do a genuine investigation. They refuse to bring up/obtain the videos of the thief who stole my money. They have no email nor any personnel listed for a fraud/theft department on line ; this is unethical. They have not credited me back my funds I was advised that this is a violation of Banking Regulation E and I have subsequently filed a complaint with the FDIC.
|
| 02/16/2017 |
Yes |
- Bank account or service
- Other bank product/service
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- Making/receiving payments, sending money
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Web |
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Received a XXXX form dated XXXX/XXXX/XXXX from TD Bank XXXX It states I had bond interest for ( 1 ) XXXX XXXX for {$550.00} and ( 2 ) XXXX/XXXX/XXXX - XXXX/XXXX/XXXX for {$34.00}. I called customer service on XXXX and spoke with XXXX to inform them I did not cash any bonds in XXXX. She then disconnected me. I called back minutes later and was connected to XXXX, who stated she will fill out a form to begin an investigation. On XXXX/XXXX/XXXX I received a new " corrected '' XXXX form with only XXXX interest entry removed for {$34.00}. On XXXX/XXXX/XXXX I called customer service and spoke with XXXX to inform her the corrected XXXX form was still inaccurate. She informed me she would have this " expedited '' due to it being my 3rd time calling in and that someone would call me and a new form would be sent within 3 days. As of XXXX/XXXX/XXXX I have not received either a phone call ( as promised ) nor a corrected XXXX. I called in to customer service now for the 4th time and spoke with XXXX. She verified my address and stated she just spoke to someone who was going to send a new form. When I asked how much the " corrected '' XXXX was for she stated it was for {$580.00}. I told her that was not accurate and could I speak with the person she referred to that was going to send a new form. XXXX then transferred me to " XXXX '' a supervisor in the contact center. When XXXX got on the call she asked me what was the problem. So now for the 5th time I had to tell her what was wrong. She clearly did not understand what I was asking and stated " we do n't sell bonds at TD bank ''. I explained to her again what the problem was and her response was, I will get back to you. The Contact Center employees clearly do not understand XXXX forms or how to get them corrected. How many times does a customer have to call TD Bank to get an issue corrected. I called 5 times and my issue is still not corrected and there is no end in sight. They are not only reporting inaccurate information to the IRS, they are causing me time out of my day to make all these calls, which the XXXX made today ( XXXX/XXXX/XXXX ) lasted more than 30 minutes on hold with no resolution.
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| 01/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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Web |
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I purchased a piece of exercise equipment in XX/XX/2019. The terms were 0 % APR for 36 months. My payment should have been {$67.00} per month. I received my first statement for this account and it showed a second charge for {$880.00}, which was on an 18 month deferred interest plan. The payment required was {$99.00}. I contacted the company to dispute this charge and was told that it was a " system glitch '' and that it would be corrected. When the next statement came ( because you can not view the APR information on their website ) it showed that the principal balance of {$880.00} had been refunded, but they refunded it against the 0 % APR for 36 month portion instead of the 18 month deferred interest portion as they should have. This 18 month deferred interest requires a minimum payment of {$25.00} and the 0 % APR for 36 months has its own minimum payment. I contacted the company again and they said it would be fixed. I spoke with supervisors, waited on hold, and spent hours on the phone with icon fitness and TD bank. They each blamed the other for the issue, promised it would be fixed, and never fixed it. I filed disputes through their website in XXXX and XXXX with no resolution. By XXXX another statement came showing it was still incorrect, so I filed a complaint with the XXXX XXXX XXXX.
Through the XXXX XXXX XXXX XXXX TD Bank promised to correct the error and reassured that my next statement would be correct. XXXX was still incorrect. I updated the complaint and they 'escalated ' it and it really would be correct by my next statement. I just received the statement for XXXX 's payment and it is still incorrect. Now, instead of one balance at 36 months deferred interest, I have two balances. This is keeping my payment inflated by {$25.00} per month. When I purchased the equipment I agreed to {$67.00} per month. By this time, they have been overcharging me for 7 months and seem incapable of making a resolution. I have updated the complaint with the XXXX XXXX XXXX, filed a complaint through my credit report and now with CFPB. This has been the most frustrating experience I have ever had to deal with from a professional company.
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| 08/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/2020 I received a telephone call ( on my home phone ) from XXXX, indicating that a fraudulent purchase was made on my XXXX account for an XXXX. I indicated that I did not make any purchase. The person indicated that in order to refund my " purchase '' I would need to give him some information to be sent to the Billing Dept. While on the phone, I looked at my account through my mobile app ( cell phone ) to see if any charges were made. I did not see any and as I was closing my account he started to tell me what to do in my account. He proceeded to say that my account was frozen and he needed me to transfer money in order to get my money back. I immediately closed my account app and told him the information was incorrect. I hung up the phone.
I called TD bank to ask about any charges and if my account was frozen. I spoke to XXXX who told me my account was fine. I explained to her of some seemingly fraudulent activity and asked if she can put a hold on my account for a charge as explained to me for an XXXX. I asked if a note could be made to link to my account. Worried, I even called back to TD Bank and spoke to XXXX explaining this activity and to note it on the account. Unfortunately, I did not get last names but spoke to 2 representatives about this concern, This man called me back and asked me again to provide him with information and I did not take his call.
A charge was made to a XXXX account XXXX XXXX, XXXX, for {$500.00}. I did not authorize this charge and my bank has denied my claim.
I do not use XXXX nor do I have any friends that use it. I do not know a XXXX XXXX.
The next day XXXX XX/XX/2020 ) I looked in my account app and a charge of {$500.00} was paid to this person in AZ.
Although I asked for my account to reflect this fraudulent activity my bank did not make any effort to stop this payment.
On XX/XX/2020 I received a letter from TD Bank denying my claim of fraudulent activity.
They advised me to file a police report.
I am reaching out to you because I do not feel protected by my bank as it seems that this incident should raise a red flag because I have never used XXXX and my bank should know this.
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| 08/21/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Problem with customer service
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Web |
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I began receiving items back which I had attempted to return, with a form letter stating it had been determined that the items were unreturnable due to extensive wear/use. I immediately called to contest this, seeing as the returned items had been either subpar quality, or unworn with tags still attached. I reached out to the corporate office and was informed that " several people '' had followed up on the situation and determined a " concerning '' history and that no re-investigation of the non-returnable items would be considered. I was also informed that it had been determined that " our business relationship was to be terminated '', though I was still responsible for the outstanding balance on the account, even though I was no longer able to dispute my returns. The return policy clearly states there is no time limit on returns, there is no explicit mention of returnable item criteria, that the times be unworn, etc. I clearly stated in my letter that the sudden influx of returns was due to several hospitalizations that rendered me unable to try on items and process the returns. It was presented to me that I somehow abused the return policy and was therefor prohibited from further returns as well as unable to contest the appropriateness of past returns, and that no money would be refunded to my account. I was told that I would no longer be able to make purchases from XXXX, despite the fact I had just been sent a platinum credit card with an increased credit limit and a letter thanking me for my loyalty to the brand. I repeatedly asked for proof of the " excessive wear '' and other alleged abuse of the items and was told I did not have access to that information. I have the items in my possession, tags attached, and am unable to wear the items due to sizing. I should not have to pay for items that I am unable to use. My account has been closed yet I was told I was responsible for all outstanding balances, even though I am being denied the opportunity for returns.
I feel I should not be held responsible for an outstanding balance without being given the same rights of other cardholders to return items for refund when indicated.
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| 07/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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TD Bank is not complying with the regulation that requires mortgage services to publish, in a clear and distinct way, how and where to submit a Request for Information & Notice of Error. The regulation 12 CFR 1024.36 ( b ) states : ( b ) Contact information for borrowers to request information. A servicer may, by written notice provided to a borrower, establish an address that a borrower must use to request information in accordance with the procedures in this section. The notice shall include a statement that the borrower must use the established address to request information. If a servicer designates a specific address for receiving information requests, a servicer shall designate the same address for receiving notices of error pursuant to 1024.35 ( c ). A servicer shall provide a written notice to a borrower before any change in the address used for receiving an information request. A servicer that designates an address for receipt of information requests must post the designated address on any Web site maintained by the servicer if the Web site lists any contact address for the servicer.
I have combed TD Bank 's website and can not locate a specific address to send this type of correspondence. When I called TD Bank to ask about the address, I could not manage to get connected even to a person who could speak to me with any knowledge about mortgage servicing at all, let alone tell me accurately where to send a Request for Information. I was given the fax number for the escrow department the first time I called, and the second time was given an incorrect address. I called a 3rd time and the person who answered decided to give me the general correspondence address. I was eventually able to confirm this address on the back page of a mortgage statement, but that alone does not comply with the regulation about. There is literally no place on the website that offers an address apart from direct banking locations, and although I have clients who have mortgage serviced by TD Bank, there is no indication on their website that TD Bank does anything beyond the application for and origination of mortgage loans. I find this astounding.
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| 03/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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The bank sent me a letter stating " We're writing today because you haven't used your TD Credit Card account for at least 16 months. We've closed your credit card account with use because it is inactive.... you have 60 calendar days from the date of this letter to redeem remaining rewards points before they are forfeited. '' First, this is not true : the card has been used within the past 16 months as reflected in monthly statements.
I called the customer service number to attempt to redeem those remaining rewards and despite the website saying 24/7 availability, the customer service rep said no, that department is only limited hours, you have to call back the next day at a different number. I did, and had to go repeatedly re-enter full card number and authentication information into a system that couldn't find the account ( presumably because it was closed ). The rep there said they could not redeem the remaining rewards because it the available amount ( {$8.00} ) was less than the {$25.00} threshold and because the bank closed the account there's no way of getting it there, so the bank will just keep remaining amounts from this " Cash back '' card they sold as having great benefits for " cash back '' of a small percentage of purchases. When I asked for the advertised cash back to be applied I was transferred to applications, then back to rewards, then to customer service, and back, being told by folks in the rewards department there aren't any supervisors who can deal with the issue there ( only in customer service ) and in customer service that they don't have anything to do with any rewards ( they only sell the great benefits of those cash back rewards that can't actually be redeemed ) and they're not willing to do anything about fixing issues that led to the false statements in the letter ( e.g. the 16 month inactivity opening line, which just isn't true ). Each person I spoke with had to get all the authentication information ( full card number, full name, data of birth, last four digits of social security number, current and previous full address ) all over again ; it wasted lots of time and still did not yield results.
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| 04/15/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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I have a TD Bank " home inspiration '' credit card that I make flat monthly payments on for a furniture purchase - the account was opened in approximately XX/XX/XXXX. My monthly payment is {$94.00}, and I have paid it every month without fail. However, I was assessed a late fee in XX/XX/XXXX and then, when I didn't pay that, another one.I found this out when received a letter from a collection department at TD Bank in approximately XX/XX/XXXX. I had been locked out of my online account and was simply paying the {$94.00} monthly installment. After I received the letter, I found out when I contacted customer service on XX/XX/XXXX that this was allegedly because I made my XX/XX/XXXX payment " too early '' so it was credited to XX/XX/XXXX. When I pressed, the agent, she was unable to clearly answer what date was " too early, '' but told me they would waive the original late fee. I asked for the subsequent one to be waived as well and, after speaking with a supervisor, she said she could do that. She advised me to pay the {$94.00} that was still showing as outstanding ( since the installment payment I had made went to principal ), and I agreed to do that right away, and made a payment on my TD account website that night. When I checked my account again a couple of days later, it still showed that I owed {$62.00}. I sent a message on XX/XX/XXXX through the TD account website, and received a message back saying that a {$38.00} late fee was being reversed for me as a one-time courtesy and that I should allow one billing cycle for it to show. I was concerned that I was going to be assessed yet another late fee so, on XX/XX/XXXX, I made a payment of {$62.00} to try to XXXX out whatever was going on with the account. I then also made my usual {$94.00} installment payment on XX/XX/XXXX. However, when I looked at my account today, I have been assessed two more late fees - one on XX/XX/XXXX, and one on XX/XX/XXXX, both for {$38.00}. At this point, I have made not only an extra {$94.00} payment, but have also paid {$62.00} in late fees that should NEVER have been assessed, since the only thing I ever did " wrong '' was make a payment too soon.
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| 12/04/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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I opened a new TD Bank Cash Credit Card last XX/XX/2019 after receiving a pre-approved offer. I have excellent credit and have been receiving multiple credit card offers, but my main consideration was a 0 % introductory APR for purchases. I researched my credit cards well, and I know what I signed for.
Lo and behold, I scrutinized my latest account statement ( as of XX/XX/2019 ) and found that I was being charged interest for my purchases from Day 1. I then called up TD Bank Credit Card Services, and now they're telling me that 0 % introductory APR was for balance transfers, and not for purchases. I was in front of the computer while speaking to the customer service representative and found that the card has 0 % introductory APR on purchases. Source : www.td.com/us/en/personal-banking/credit-cards/cash-card/ The customer representative said that this promo does not apply to me since I applied in XX/XX/2019, and that promo is for XX/XX/2019. This customer representative 's statement infuriated me because I know what I signed for. I signed for a zero percent introductory APR for purchases, otherwise I would have opted for another card. I really felt defrauded, but my fault is that I could not find the credit card disclosure statement in my documents. I can not recall if I ever received one.
I am aware that 12 CFR Part 1026 ( Regulation Z ) XXXX requires banks to post credit card agreements on the internet. I searched the customer-facing website for cardholders ( www.tdcardservices.com ) and could not find the disclosure/ agreement that I need. I did a XXXX search instead, and found a disclosure statement, but the date is XX/XX/2019.
I believe that as a matter of banking transparency, TD bank should : ( 1 ) make ALL credit card agreements available, including an archive of previous ones ( 2 ) make such agreements readily available in the customer website. I should not need to use XXXX to find the agreement, and ( 3 ) customer website should reflect front and center if there are interest rates being levied on the account. The Chase mobile app has this, and I have no complaints.
( 4 ) stand by their 0 % introductory APR offer.
|
| 12/24/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
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Web |
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XXXX XXXX i received a charge on my account form XXXX ( furniture rental ) for XXXX that was not valid. i filed a dispute that they stated would take up to 10 business days. they came stating i needed to provide documentation that this charge was not valid. but did not ask the vendor to provide documentation that it was.!!! of course they bounced everything in the account that would have been more than covered if the unauthorized charge was not there! the manager at the branch allowed me to withdraw cash pending dispute resolution which i appreciated or else i would not have been able to buy gas or food .. when i called about it i was hung up on by a rude rep who got upset when i asked to speak to a supervisor. This dispute is not being handled correctly or fairly because the bank does not want to refund XXXX in fees.
then on XXXX/XXXX/15 and XXXX/XXXX/15 i was charged XXXX in fees because of the way the bank posted the payments they bounced out charges for XXXX XXXX XXXX and XXXX to be able to charge the XXXX per day max -- then did it again on XX/XX/XXXX i spoke to a supervisor on XXXX/XXXX/15 who told me the the end of the business day is XXXX so slot of what they charged me fees for technically posted before the end of friday 's business day!!!! the way they handled those fees was underhanded! i asked for documentation for the charges to dispute the fees and was met with resistance. i want documentation about those charges and posting since i am not ok with paying XXXX in additional fees when at most i should have paid XXXX possibly XXXX. Also when i filed a dispute the last time i had a problem with the bank i was told each office has a budget for fee refunds and it took almost 2 weeks to get the refunds i was due since they has to go to other offices who had more money in their budgets for fees.!!!!!!!!!!!!!!!!!!! that is absolutely ridiculous if the bank is wrong and a refund is owed then pay it!!!!!!!!!!!!!!!!!!!! they should not be able to limit how many funds they refund if the BANK IS IN THE WRONG!!!!!!!!!!!!!! i would also like to know the legality of that policy as well. i want the dispute handled the correct way
|
| 05/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
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On Sat XX/XX/2023, I received a letter from TD Bank dated XX/XX/XXXX saying my account will be closing on XX/XX/XXXX. I tried to call the number on the letter but no one was available since It was on the weekend. So I called the customer service and find out why my account was being closed. The rep told me that the account was in good standing and that I wouldn't have to worry about my account being closed. So I requested to speak to a manager on duty, and the manager told me the same thing, my account was fine and there were no notes on the account saying the account was being closed. They assure me that the account was in good standing. The manager told that the language on the letter seems strange and said that it could be a scam. He told me to bring the letter to the local branch and verify it. So on XX/XX/XXXX, I brought the letter to the branch and ask them if my account was fine, they reassure me that everything is fine. And they googled the number on the letter and said that the number on the letter was part of some kind of scam. So I thought everything was good and not gon na call the number in the letter. On Monday night XX/XX/XXXX, I wasn't able to login into all of my accounts. I tried again on Tuesday. It was the same. So I called TD to find out what happened to my account, and they only told me that the account is closed. There is no information on why the account was closed. And told me to stop by a local branch to get more info. So on Wednesday, XX/XX/XXXX, I stopped by the local branch and ask them exactly what happened to my account, they all said they don't know why. I requested them to withdraw all of my funds but was denied. Was told my funds will be sent out bymail. I told them I don't want to wait for my funds in the mail. It would take too long for it to get to me and get the checked clear after deposit into my other bank. I am very disappointed with how they handle everything and how they treat me. As of today, no one has told me what exactly happened to my account. I hope someone else can see how TD is treating their customer. Everyone should stay away from them. They don't care about their customer.
|
| 02/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
Older American, Servicemember |
|
I made a single person is using the credit card for {$400.00}. I immediately made a payment of {$400.00} and when I noticed that I was {$4.00} short I sent a secondary payment of {$4.00}. The company refused to accept and post the payment of {$4.00} and for the past 12 months have continued to add interest charges. I have contacted this company many times and requested them to process my payment of {$4.00} and investigate where my check for {$4.00} is at because it was never returned back to me so that means the company has the check The check was never processed through my bank. However, it was mailed by me to the same address that I mailed the {$400.00} payment which was received and processed through my bank. On several occasions over the past year I have reached out to your car and made them aware of this and as opposed to them corresponding to me, I only would receive a bill in the mail and not have them address my specific concerns the last person that I spoke to was agent ID XXXX and his name is XXXX. He advised that he would email me on XX/XX/2023 and process the payment of {$4.00} and remove all interest charges. Agent XXXX never emailed me and my attempts to resolve this matter and pay the {$4.00} a second time has falling on deaf ears yard card is acting on unfair business practices as opposed to them addressing my concern and processing my {$4.00} payment. They are continuing to delay by not responding directly to me regarding my request so that interest charges can continue to accrue each month I have made 18 attempts to resolve this issue in a years time and instead of them responding back to me they are continuing to mail me a new statement with increasing interest charges monthly. I advise the yard card on XX/XX/2023 that if they did not respond back to me by email as they had promised and process the payment for {$4.00}. I will be contacting the CFPB. I spoke with XXXX on a recorded line and advised him that I would request the CFPB and his superiors to pull that phone call and listen in totality to our communications, he has yet to follow up with me by email as promised or by mail as of this date XX/XX/2023.
|
| 04/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
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I am having so many issues with TD Bank and fees. I would like to first start with the issue of a stop payment that was entered in for the wrong amount. The transaction came out of my account when it wasn't supposed to come out. I was charged excessive fees because of this. The bank wanted to tell me that they had credited me back for fees in the past and we're not going to give me all the fees back for this. Recently, I deposited a check for {$210.00}. They decided to hold it for 7 business days. I had money in my account when I deposited the check. The check wasn't for a large amount. While I thought that I would be getting credit for this check the next business day. I had things going through my account and I am getting fees. I have had {$210.00} in fees this week which wouldn't have happened if the money was there. When I sent a question to customer service through the message system about when would I would receive credit for this, I got a response of the date of the hold is XX/XX/21 and funds would be available on XX/XX/21. This is another situation with information that has been given wrong or input wrong.
Also, I had asked the bank to not pay any transcations if the money wasn't there. I wanted to opt out of overdraft protection because I did not want my account to be overdraft by a large amount if they money wasn't in there. They started sending transcations back unpaid, then this week a debit card transction that I had setup was paid and went through to for XXXX for {$350.00} nd so did an ACH transaction to XXXX for {$110.00}. The spectrum payment should have went through if the {$210.00} check wasn't on hold.
I can't get my bills paid because I do not have any money when my check is deposited. I am trying to get this account under control but TD Bank is making all of these errors and hold my deposited and then charges me fees and then also paying transactions at there discretion to overdraft my bank for a large amount. I am fed up with this and plan to close this account when I get everything to clear out of it. I wanted to stay with this bank but I do not have the money to just keep giving away with fees.
|
| 01/29/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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XXXX XXXX and XXXX XXXX had several accounts, including an individual for XXXX and 1 joint with XXXX and XXXX, at TD Bank. They were opened at XXXX XXXX XXXX in XXXX XXXX, NY XXXX. The manager who is aware of the below is XXXX, XXXX.
On or about XX/XX/2020, XXXX XXXX received notice that his checking account " was hacked '' and that it was closed. No further info was provided. ( All properly written checks were bounced, incurring fees. ) XXXX was instructed to come into the branch and open a new account, which he did.
Within a week, on or about XX/XX/2020, XXXX XXXX received written notice that the new account, not 7 days old, had funds withdrawn on it in a TD branch XXXX XXXX, Florida. A person, using XXXX XXXX NEW bank account number and SSN, deposited a bad check for {$3000.00} one day, and the next morning withdrew {$2200.00} using a teller check with the new acct numbers and XXXX XXXX SSN. Despite the signature not looking anything like XXXX XXXX ( as noted by XXXX, bank manager in New York ), the funds were paid. That account was closed, and properly written checks were bounced, incurring fees. A 3rd account was opened, this time being password protected. The account has since been charged a low balance fee.
On XX/XX/2020, XXXX XXXX receives a call at home in New York that another TD account that she never uses, but on which she is joint with XXXX and is used to pay a mortgage, was attempted to be drawn on at a TD branch in XXXX XXXX, Florida. The caller was XXXX, XXXX, the manager. Her teller had recognized the NYS ID presented as fake and not paid. Again, the perpetrator had the bank account number and XXXX XXXX SSN, in addition to fake ID. XXXX would not provide a copy of the fake ID. She claimed she would be calling the police. XXXX followed up with XXXX to get a copy of the ID and have him get the facts from XXXX, to see how the investigation from the XX/XX/XXXX fraud was proceeding, and to ask when the {$2200.00} would be re-deposited. XXXX advised that an investigator had not even been appointed, two weeks after the SECOND fraud, as " it was only a week and a half ago '' that he filed his paperwork.
|
| 04/13/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I own a small trucking company. One of my trucks needed a repair. I hired a mechanic to do the repair on XX/XX/XXXX. He told us he installed new batteries and a new starter on the truck. The mechanic stated his work was guaranteed and I paid him with my TD Bank XXXX credit card {$2300.00} for this repair. When my driver went to start the truck for work the next day, the truck did not work/start again. We tried calling/texting mechanic to let him know the truck was not working even though the previous day he said he fixed the truck. I have the texts and phone records showing we were reaching out to the mechanic with no response from him. I had to hire another mechanic to fix truck again and found out the parts put in my truck by the first mechanic were wrong. I filed a dispute on XX/XX/XXXX for the above transaction with my TD Bank XXXX credit card. Even though I paid the first mechanic {$2300.00}, my dispute amount was for only {$1300.00} because that amount is for the wrong parts. The credit card company requested proof of records and a second estimate for work done on truck. I overnighted a package on XX/XX/XXXX to the credit card company. Within a day or two that is when the dispute department requested a second estimate. The dispute department stated I had only until XX/XX/XXXX to submit the second estimate documentation. So I faxed the second estimate on XX/XX/XXXX which was the same date the dispute department received my overnight package. When I called to followup on Tuesday, XX/XX/XXXX the dispute department stated they never received second estimate needed for dispute, even though I had a fax confirmation transmission stating the fax was sent. So I sent fax again onXX/XX/XXXX ( which was the deadline for this documentation ) and received fax confirmation sheet stating the fax was sent. TD Bank XXXX credit card stated they never received second estimate in time and they closed my dispute. So even though I did everything they requested in the time they wanted because of the failure on their end with not receiving fax ( even though I have proof ), my company lost when I should be protected by the " XXXX '' logo.
|
| 07/24/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Older American, Servicemember |
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OnXX/XX/XXXX I was instructed by a representative of XXXX XXXX ( XXXX, XXXX ), XXXX XXXX XXXX in NY, to wire {$65000.00} to the account of XXXX XXXX , XXXX at TD Bank, Florida for the purpose of purchasing a money clearance document, for the alleged {$11.00} Million in cash sent for purchase of raw material / XXXX XXXX that XXXX XXXX, XXXX requested for allegedly use for medical equipment that they produce in XXXX and also have offices in the US ( i.e. XXXX, CA ). From XX/XX/XXXX through XX/XX/XXXX, XXXX XXXX spoke with me on the phone and said that the $ XXXX wire-transfer has not been received and on the XX/XX/XXXX he suggested that I request the funds be returned something was wrong. According to my then bank, XXXX XXXX, onXX/XX/XXXX XXXX XXXX sent me a copy of a communication from TD Bank advising that the subject $ XXXX funds will not be returned ( see copy herewith ) in regards to my case # XXXX. At this point, I strongly suspect that TD Bank was involved with XXXX XXXX , XXXX in defrauding me, and likely others based on XXXX XXXX phone comments to me stating that multiple claims were filed against the XXXX XXXX , XXXX account at TD Bank, some over $ 100K. To date, no detail has been provided, however, I received an email from XXXX XXXX confirming that the account holder is refusing to return the $ XXXX wired funds without any explanation / cause. This is clearly grand theft since no transaction materialized when XXXX XXXX chose to move the cash overseas to the XXXX ( see attached email ) from XXXX XXXX. Additionally and curious, on XX/XX/XXXX I received an email from XXXX XXXX advising me that I would be receiving {$290.00} of the original $ XXXX even though my claim and the subject TD Bank account was allegedly frozen with my fraud claimXX/XX/XXXX. Clearly, something is wrong at TD Bank offering this {$290.00} token refund that is unacceptable and will not be cashed since received a cashier 's check from XXXX XXXX, not TD Bank as sad by XXXX XXXX to me. Please assist me in recovering all my money since this is clearly grand theft and a scam on me. I greatly appreciated your assistance in recovering my money..
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| 10/12/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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I opened a small business account with XXXX Bank and deposited funds into the account. When opening the account, I provided the Certificate of Incorporation filed with the Secretary of State 's office and the EIN letter from the IRS. Both documents have the correct name of the business. After opening the account, I traveled to another state to purchase equipment for the business using the funds in my account. While attempting to transfer the funds to the company electronically, I was locked out of the account. I was on the telephone with an assistant branch manager while making the transaction, but I was placed on hold and eventually disconnected. When I tried to log back into my account, the account was locked and I have not been able to access the account since that day. When I called the customer service number to get back into the account, I was told that the business name did not match the name on the Certificate of Incorporation and EIN document. I later found out that someone changed the business name on the account without my permission from " XXXX XXXX XXXX XXXX '' to " XXXX XXXX ''. Customer service notified me that I would have to go into a local branch to get back into the account even though I was in a state without a physical bank location. When I returned home, I went into the physical bank location and went through the process of having access restored. However, when I logged in the next day, I was not able to access the account. I called the employee who restored access and she said I would have to come back into the branch again. I have been a customer with TD Bank since 2006, and this has never happened before. I need assistance with getting access to my account and my funds. I also recently have had an issue with the bank changing the name on my personal account from my legal name " XXXX XXXX XXXX '' to a previous name " XXXX XXXX ''. I have made requests multiple times to have the name corrected, but the bank continues to change the name on the accounts and debit cards to my previous name. I need assistance with getting the bank to change the name on my personal accounts to my current legal name.
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| 04/17/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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My brother and a friend bought a small building in XXXX and took out a XXXX loan from TD Bank several years ago.
The partnership went downhill after my brother learned that his partner was not paying his half of the mortgage. Loan payments stopped and TD Bank started foreclosure.
My brother and his partner negotiated their interests in the building. My brother contacted TD Bank directly to repay the loan but was told to deal with the bank 's outside lawyer. Negotiations and court appearances were held to get out of foreclosure. The bank 's lawyer wanted compensation of {$100000.00} for legal fees.
By XX/XX/XXXX, the amount to be repaid was agreed and negotiations for legal fees were finalizing. Funds were sitting in an escrow account waiting to be sent to TD Bank. A few months later my brother XXXX unexpectedly. The Estate 's attorney made clear that the Estate ( and myself ) would abide by the agreement and were eager to get the building back because that 's what my brother wanted. The Estate continued and still continues to pay all property taxes, utilities, and maintenance.
In XX/XX/XXXX, our lawyer found out that TD Bank sold the note to a private party at a discount to what we had agreed to pay. We were never formally notified. The note buyer said that the TD Bank loan officer told him that the note was being sold because we did not have the money to pay it back. That is not true. Why were we shut out when we had a pending agreement with TD Bank? Why were we paying upkeep of the building if we were not serious about the agreement?
This has been a horrific year for me, made worse being dragged through this foreclosure process. Our lawyer has been very frustrated ; he is not sure his communication and offers to the bank went past the bank 's outside counsel. And just this morning I heard that the note buyer wants XXXX what was owed the bank if I want to buy it.
I would appreciate your help in investigating the handling of this foreclosure. Why was a note ( and the building ) sold at a discount when there was an owner ready to pay more? Was something done illegally and against proper banking procedure?
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| 09/21/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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My husband deposited two of my commission checks at the counter at TD Bank in XXXX ( XXXX XXXX XXXX XXXX ) yesterday ( XX/XX/XXXX ). I have deposited checks from my employer many times since XXXX of XXXX and most of them have been a large amount as they are commission checks from real estate closings. I also have deposited checks into my account that has been overdrawn. Never have I had to wait more than 2-3 business days for the checks to be available in my account.
We are a small family that has been barely keeping our heads above water since covid. I was finally starting to feel like we were catching up and the bank throws this at us! They stated that I WILL be charged the daily overdraft fee. I feel like the bank is cheating just to get their daily {$35.00} out of us. I have had to stop payments that are scheduled for tomorrow and early next week.
The weird things : -They told my husband to sign the checks even though his name is not on them. ( His name is on the account so their shouldn't be an issue with him depositing it! ) -When I called the bank this morning ( not sure which branch, I was on the way to work and told XXXX XXXX call TD bank ) I was told by one person that the reasoning for the 6 day hold is because the account is currently over drafted.
-I was then told by the branch that deposited the check ( I called after arriving to work and was able to call the correct branch ) that it is being held because of their new policy with large check deposits, though they could not tell me what amount constitutes as a " large deposit ''.
-When I was forwarded to " a manager or customer service '' I was left on hold for 8 minutes and then the call disconnected.
-I have called back multiple times today to at least get a copy of the " new policy '' and the phone just rings and rings and then comes up with a prompt saying " Store XXXX is unavailable to answer at this time '' then it continues to ring. This is the same phone number I used to call the second time and spoke with someone right away, are they ignoring my phone number?
-I can not find in my emails, mail, or online this new policy they mentioned.
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| 12/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Older American |
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I am the daughter of XXXX XXXX XXXX, an XXXX XXXX XXXX senior that has XXXX and who is unable to XXXX and care for herself. She does not drive and has to be transported by XXXX at all times.
I currently have an Order for Guardianship of my Mother, who I have been denied access to her health and medical records and visitation as of XX/XX/XXXX. In the court of XXXX. Case #, XXXX XXXX XXXX, Probate court. I have been going to court every month, driving from XXXX, Illinois to go to court because as daughters, we should access to our mother. My sister, XXXX XXXX who has been living with my mother, since I moved away, in XX/XX/XXXX.to XXXX. I never left my mother, but my sister, due to my Mother 's inability to understand manipulated my Mother and constantly fought against me to have a relationship with my Mother. My Mother was denied access to outside of her home, she was held a prisoner in her home and has had multiple XXXX. As of XX/XX/XXXX, XX/XX/XXXX, my Mother became severely ill due to neglect of my sister and then my sister denied access to me on behalf of my mother.
I had an illegal order of Protection placed on me by my sister, because I wanted to have the Right to Visit with Mom, as her health began to decline. It has declined drastically over the last 6 months. I had to have police there twice today, XX/XX/XXXX, but because the Order, failed to Allow Visitation, because my Sister, XXXX is failling ot open the door, So that My Mother can be Served by the Court. My mother has no Knowledge of whats going on, even though my oldest sister ( XXXX and I ) tried to tell her before, she got into this bad situation.Health, mental declining.
My sister had a Salesman to come to the house to sign an AutoContract for this XXXX, by my mother, XXXX XXXX XXXX XXXX who has no Knowledge of what she is doing. This is Fraud and abuse of an Elderly Person, My Mother.
Please help, I want to see my Mother and I want access to her, before, she leaves this Earth. My Mother does not deserve this, and she thought my sister, XXXX was coming to help her, not Harm Her and other Family Members, Her daughters.
Sincerely, XXXX XXXX XXXX
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| 12/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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My name is XXXX XXXX XXXX XXXX, and I am writing to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Birthdate : XX/XX/1994 FTC Report Number : XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that TD AUTO FINANCE conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that TD AUTO FINANCE will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.
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| 07/14/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Charged too much interest
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Web |
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I purchased a couch in XXXX from XXXX XXXX XXXX using their credit card. The couch consisted of three different sections. Two sections were delivered in XXXX and the other section was delivered in XXXX. The original agreement was for 18 months no interest if paid in full by the end of the term. I set up recurring payments from XX/XX/XXXX to the present day. I've done this multiple times in the past with other furniture from the same company ( XXXX XXXX XXXX ) and have always paid the full balance at the end of the term. The first term for this purchase ended on XX/XX/XXXX, and the next term ends in XXXX for the other section delivered later as described above. I paid the amount in full for both the XXXX and XXXX terms on XX/XX/XXXX which totaled : ( {$1900.00} ). Unfortunately only the minimum recurring payment of {$67.00} was applied in XXXX. I'm not sure why the entire amount didn't go through. I noticed this discrepancy on XX/XX/XXXX and called the company immediately to discuss the situation and resolve the balance due. I paid the full amount remaining on the original purchase of ( {$1800.00} ) while on the phone with the representative to ensure the final payment did go through. I'm am now being charged ( {$980.00} ) in accrued interest. I called to see if they were able to waive this accrued interest fee since I did attempt to make the payment on time in XXXX and did make the final payment in full within threXXXX weeks of the original due date. I was advised to file a dispute for the interest being charged. I'm being told there will be a waiting period of up to 90 days before I hear a decision. I've been a loyal customer for many years and have always paid my bills on time with this company. I'm very upset that they are not willing to work with me and have me sweat out the two billing cycles to see what comes from this dispute which I'm sure will ensure additional interest and late fees. They did tell me that they would have waived the accrued interest fee if I called within two weeks after the due date, but since I was a week late, there was nothing they could do to help. Any help is appreciated. Thank you.
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| 12/09/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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I have a Bank account with TD Bank and have been loyal to them for many yrs. Back in XX/XX/2018 I had opened a joint account for my wife and was offered a promotion cash card from TD where it would give XXXX cash back whether it be towards statements or rewards along with an XXXX XXXX XXXX. Promotion only applies if card is used at 500 or more within a 90 day window given the promo period. I had asked the rep during our sitdown if this would apply towards balance transfers as I had transferred a balance of 5000 over and she explained it would. After waiting a few months, I had called into TD customer service and explained i have not received my rewards and the rep on the phone explained there was a wait after the 90 days to receive the XXXX XXXX in the mail. I don't recall the specific detail as far as the time frame on the delivery but the there was a window period referenced during conversation. A few more months go by and still have not recevied any reward as promised and asked one of the tellers in the XXXX branch during a visit and explained it would have to be redeemed online. Being upset already, I went online to tdcardservices and did not see anywhere that I could redeem my reward and called in XX/XX/2018 and spoke to the card rewards dept. I explained the situation to the rep on the phone and she had apologized for the inconvience and explained she would speak to a manager in reference to the rewards promo. After a few moments, the same rep explained that the balance transfer does not apply towards the promotion and I would have to speak to the branch manager to help me in this situation. Being very upset at this point that the representative on the phone was unable to help me and giving me the run around and not offered the promotion as promised, I am very upset at this point and filed a complaint and to the point where I may close my account with TD bank account. I do not want to see someone lose a job over a situation like this but if you are providing false information intentionally and not being upfront honest simply for a commission spiff, then that is a company I would not like to do business with.
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| 06/10/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
Older American |
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I am a XXXX person w/ no transportation available. Three weeks ago I tried accessing my TD Bank account on line, and the security question was " What high school I had attended and I gave the lady processing my new account the answer, however i do n't know if she typed it with caps or without and two words or one word, the result is that after having tried three times the account was locked. I called the Toll free number on the screen XXXX. After reviewing the account the agent told me that because the account was totally freeze I had to go to a branch to get it unlocked. On XX/XX/XXXX I was able to get a ride and went to the branch located at XXXX XXXX XXXX XXXX , XXXX, FL XXXX. The lady was very nice, I gave her my ID, SS and account number, ad to my surprised, She told me she had to call to get the account unlocked, EXACTLY THE SAME THING THAT I HAD DONE THREE WEEKS EARLIER. They kept us waiting for half an hour and I suggested that since she had already verified my identity, that she handle the rest of the unlocking of the account, I was told she could not do that and I informed her that I could not wait there forever since my ride was waiting outside. Today XXXX XXXX aT XXXX I called the toll free number and asked to speak to a supervisor, I was kept waiting for over 15 minutes and XXXX ID no XXXX and to my surprised, she gave me the same answer, that there was nothing she could do over the phone and that I had to go the branch. HERE IS WHAT NEED YOUR AGENCY TO ADDRESS : 1 ) SINCE I AM A XX/XX/XXXX PERSON ( XXXX YRS OLD ) UNDER THE AMERICANS WITH DISABILITY ACT, TD BANK IS IN VIOLATION OF MY RIGHTS 2 ) THE BANK HAS FAILED TO ADDRESS THIS PROBLEM AND AS A RESULT I STILL HAVE NO ACCESS TO MY ACCOUNT, STATEMENTS AND TRANSACTION LEDGERS. 3 ) THE BANK NEEDS TO PUT IN PLACE A SYSTEM IN PLACE THAT ADDRESSES THE NEED OF XXXX PEOPLE. 4 ) INSTRUCT TD BANK OF THE VIOLATION AND TO ADDRESS THIS PROBLEM WITHOUT MORE DELAY, EVEN IF ONE OF THEIR EMPLOYEES AT THE BRANCH HAS TO COME TO MY HOUSE TO DRIVE ME TO THE BANK. I HOPE THAT YOU ADDRESS THIS VIOLATION AS SOON AS POSSIBLE AND MAKE THE TD BANK ACCOUNTABLE FOR THEIR ACTIONS
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| 07/05/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was damaged or destroyed the vehicle
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Web |
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I purchased a vehicle XXXX from XXXX XXXX in XXXX Texas banking institution who withdrawals for the loan is TD Auto Finance. VIN : XXXX ***THE ENGINE IS NOT WORKING*** This is after I had the problem worked on three times with XXXX XXXX and they rapped electrical tape around a few wires and charged me XXXX XXXX and something bucks with no actual repair. The vehicle what it has done and kept doing is shutting down on me when I'm driving down the highway to where I got to pullover real quick to the shoulder which is an urgent matter. It could cause an accident since it was properly fixed by XXXX XXXX of XXXX. XXXX XXXX has a personal problem with me and won't buy my truck back so I can go out and purchase another one which I tries on Saturday but truck vehicle popped up on my credit information and that dealer denied me a loan for the a new car. This truck has been setting in the back of my families property after I took it to XXXX XXXX XXXX and they didn't want to fix it either. TD Auto Finance I contacted them several times for a STOP payment request, XXXX XXXX, XXXX XXXX, and still TD Auto Finance kept sending me payment request to collect even after the truck still don't run. I have a photo of the truck and what I would like is it to be repossessed and or my credit repaired to normal so I can purchase a new vehicle. This is bs! Maybe perhaps a small amount back on the truck to put down for another loan on a new vehicle? XXXX XXXX has a bad reputation of scamming people and this is a scam rumors have it that a mechanic inside their shop tapper with my XXXX XXXX XXXX engine to cause it to malfunction like it did! I would NEVER purchase from XXXX XXXX ever again and the management there just laughs at my face and are very unprofessional. These people at XXXX XXXX don't ever need to report anything to my family on a subject like this when I'm XXXX years of age. What does that have to do with fixing my engine and or giving me my money back to go find me another vehicle. I need help, I want this truck out of my life and my credit repaired then a few thousand back to go purchase a new car? Please contact me at XXXX.
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| 10/24/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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TD account number : XXXX TD debit card number : XXXX I canceled my TD checking account. I used my debit card to return items at XXXX after the account was closed. I never received a check or refund for the following transaction and have contacted XXXX who tells me they successfully sent the money to the credit card.
XX/XX/XXXX : XXXX refund ( XXXX ) I called TD on the following two dates : XX/XX/XXXX ( XXXX customer service ) and XXXX ( XXXX XXXX timestamp XXXX XXXX EST ) XXXX sent an email to the department that would handle closed account transactions to get information. When I called back XXXX told me the department claimed they never had any record of the 'transaction ' or of a store attempting to give me a credit. I never gave a specific transaction the first time. I was not allowed to contact the department directly or dispute the transaction ( I was told I could not dispute the transaction - not receiving credit- unless I had a complete record of when I purchased everything I returned - not just the information from the refund ). I was never given an option to escalate the inquiry or request an investigation. I was left with no options other than to just lose money. I checked with XXXX and they sent the refund over and from there everything is the responsibility of TD ( attached proof from XXXX ).
The debit card accepted the transaction and did NOT decline it. I will to get a full refund of the amount TD owes me, as well as full records of my account in case there are other transactions I am unaware of since TD is refusing to give me records or let me speak to the proper department and is handling this inappropriately and irresponsibly.
In addition, I have submitted multiple requests and TD keeps completely bungling them. I had multiple transactions and instead of looking for each transaction separately, they combined them and told me they didn't find a transaction with the amount.
I just received a letter saying they never found a transaction in the amount of XXXX but I never gave them that amount. They are handling this completely wrong and it's astounding the level of incompetence they have.
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| 11/05/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Older American, Servicemember |
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On XX/XX/2019, I was in XXXX ( located at XXXX XXXX XXXX, XXXX NY XXXX ) and after I made a purchase I either lost my ATM/Debit Card, or it was stolen.
The next day when I called my bank ( TD Bank ) to check my balance I found three unauthorized transactions on my account and told the bank representative that I did not make these three purchases. The three unauthorized transactions were another transaction at XXXX, a transaction at XXXX XXXX XXXX XXXX and a transaction at XXXX XXXX.
When I informed the bank representative that I did not make these purchases, I started a fraud claim with the bank. The next day I was told that the bank believed that I made those transactions and that they were not fraudulent because the transactions were in-person, using my bank card. I did not make those purchases and closed my claim.
I demanded to speak with a supervisor. The supervisor informed me that because the bank believes I did make those transactions, so I must file a police report for the bank to refund the stolen money.
I went to the police department on XX/XX/2019, and filed a report with the detectives. The detective was able to obtain surveillance video and pictures from the video which he showed to me and gave me copies of. I gave the report to the bank, along with the pictures. The pictures show a young XXXX woman using the card to make the transactions. I am an old XXXX woman. Clearly I am not the person in the pictures making these purchases.
Since giving the report and the pictures to the bank I have called for updates on at least three occasions. The bank 's fraud department tells me that my first claim was denied and they do not see a second claim ( the one with the police report and pictures ). I have asked them reopen the claim with the supporting papers, but they tell me I " probably won't get the money back anyway ''.
It was not a lot of money ( {$230.00} ), but I am an elderly woman and a very fixed income. That was all the money I had for my food and medicine until my next social security check.
The bank has been rude and unhelpful, accusing me of making the purchases when I clearly have not.
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| 06/11/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Wrong amount charged or received
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX XXXX Consumer Financial Protection Bureau : Complain I would like to complain about my international wire transfer at TD bank branch located at XXXX, CT. I went to the bank on Saturday XX/XX/2019. I wanted to sent XXXX XXXX USD to my mother in XXXX. While at the bank I pointed out clearly that I wanted my mother to receive US dollar the same currency that I was sending. The bank employees confirmed that yes the money will be received as US dollars in a foreign account. I even double checked it with the XXXX CT branch manager XXXX.
On Tuesday XX/XX/2019 I was informed that the money was received in my mothers account in the bank in XXXX. But unfortunately the money that was received was not in US dollars but instead in Polish zloty ( PLN ) currency not as agreed. Because of this the money form the wire transfer was converted in banks exchange rate which was lower that the common exchange rate that I could get outside the bank, because of this conversion a great deal of money was lost. I believe that it happened because of some mistake that happened when the money was wired out of the TD bank. On Thursday XX/XX/2019 I talked with XXXX XXXX and XXXX XXXX the employees of the TD Bank in XXXX about this wire transfer. They said that they set up the transfer correctly so that my mother would receive US dollars. They could not explain why it happened they suggested that the recipients bank account bank account was not a US dollar currency account. This is not true the recipients bank account is a US dollar currency we transferred USD money successfully in the past from a different bank account and we never experienced problems like this in the past.
Well, the main point is I not happy with the service that I received at TD Bank branch in XXXX CT. The people lacked the professionalism and courtesy that I expected form banking professionals. I feel I was misguided. Please tell me what can be done to resolve this matter and solve this problem. I willing to answer any questions you may have.
I am looking forward to your reply.
Sincerelly, XXXX XXXX
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| 02/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
Older American |
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My name is XXXX XXXX and I had a small business account at TD Bank at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The name on the account was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Three months ago I noticed a deposit of {$4000.00}. I had no idea who made the deposit and I went directly to my bank to see what was going on. It seems someone made 4 {$1000.00} deposits to the bank and I notified XXXX XXXX a financial services representative of the bank that this was a fraud. She then froze my account and I was locked out and I could not even get a to see my account online.
In three days they found out that as I told them the checks were no good and the bank still keep my account frozen and charged me 4 {$20.00} fees and a charge for being overdrawn. I was not allowed to make any deposits into my account from the moment it was frozen.
The bank made me fill out an affidavit of fraud for each check and they sent me a copy of the check for me to review. All four check where never signed by issuing party and the signature on the back of the checks was not mine.
I have made 9 trips to the bank and I was informed that someone sent in another check for around {$9800.00} while the account was frozen and they accepted it but they have never shown me a copy of the check and this one also bounced and once again the charged me {$20.00} for a return check and {$35.00} for a service charge.
I received a call from the fraud department and I made them call the head teller to verify that this person worked for the bank. After I talked to this individual he informed me that he was looking into the matter and would get back to me. I have never heard from this person since that call.
I have been working with the head teller, assistant manager and two financial reps and I was informed that the bank was working on it and I had no worries and they were not going to do anything until the end of XXXX.
At the end of XXXX, they closed my account and turned it over to a third party to collect the fees the bank charged for the bad checks, even though my account was frozen part of the time and they were warned that the checks were a fraud.
|
| 01/07/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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Despite a {$0.00} balance and oweing nothing to the store, TD Bank and XXXX XXXX are knowingly reporting false information to the credit bureaus. I have called XXXX XXXX and TD bank DOZENS of times to to resolve the issue. XXXX XXXX was closed due to Covid around the time of the incident and I was not able to contact XXXX until almost a year later once they reopened their physical location. XXXX XXXX once reopened acknowledged the mistake as well as provided a statement and email showing the correction and {$0.00} balance on account. This email and statement was sent to me in XXXX of XXXX but failed to do their due diligence to correct the negative impact it caused to my credit profile.
Despite XXXX correction, TD Bank continues to report negatively and reported the account as charged off as well as a {$250.00} balance. I have dealt with nothing but incompetence for 3 years.
XXXX furnitures XXXX XXXX XXXX reached out to TD bank in XXXX of XXXX multiple times to help correct the mistake.He responded by email but gave up once TD Bank was unresponsive. TD Bank ignored this communication.
RecentlyXXXX XXXX, XXXX I walked into XXXX XXXX store bank to speak with administration, and was given the operations manager ( XXXX XXXX ) at XXXX XXXX XXXX XXXX. He then called TD bank from stores land line to retrieve a letter stating the balance was not a charge off, not late and a balance of {$0.00}. TD bank stated they would have to verify the stores " merchant number '' to pull information. They did not call back.
The mix up occurred 3 years ago and I have been dealing with this for 3 years. I have been denied loans and been impacted continually. This has gone on far too long.
Around XXXX of XXXX an incorrect furniture delivery was made and returned ( picked up ) by XXXX XXXX shortly after. Im assuming They were negligent in relaying information to their servicer. This was at the start of Covid. Everything was shut down and no one was responsive to calls. Once reopened, XXXX did acknowledge and attempt to communicate with TD Bank. Now Ia m being told " admin recovery '' collections company is also reporting this.
|
| 11/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
Servicemember |
|
On or around XX/XX/2019 I received a statement that showed 5 different APRs on my statement and a fraudulent charge. At this time I disputed the information in its entirety in accordance with the Fair Credit Billing Act ( FCBA ) in which I asked for a request for clarification of charges and APR as I believe the bill to be inaccurate. Please Note that this dispute was done in writing to TD Bank, XXXX. XXXX XXXX, XXXX, GA XXXX in accordance with Page 2 of the Statement with the account information, dollar amount, and a description of the problem. In addition this was down over the phone to XXXX as specified in page 2 of the consumer statement. During this time Page 2 specifically states " while we ( TD bank ) investigate whether or not there has been an error, the following are true : We can not try to collect the amount in question, or report you as delinquent on that amount ''. Despite TD Banks own written statements and contract they have continue to attempt to collect the amount in question and have reported me to the credit report agency as delinquent. As of the date of this complaint I still have not been updated in writing to the status of the investigation or whether or not there has been an error. Due to the amount that was disputed being reported in violation of the credit card agreement and Fair Credit Billing Act ( FCBA ) which states that a consumer " may withhold payment on a disputed during the investigation '' in addition the FCBA also states that " the creditor may not ... report you as delinquent ''. After TD Bank violation the card agreement and the FCBA the consumer reported the issues the the credit bureau and TD Bank once again report this a consumer as delinquent again a violation of the credit card agreement and federal law. Throughout this process TD bank has not conformed to the Credit CARD Act by actively attempting to shield transparency from the consumer. In addition TD Bank has not conformed the their credit card agreement pacifically section 9B " How to dispute reports regarding your account '' which states that they will notify the consumer of the results " within 30 days ''.
|
| 01/19/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
|
|
I shopped at Nordstrom rack on XX/XX/XXXX, and they asked if I wanted to use my CC on file that I had opened and never used in XXXX. They said I would receive a Nordstrom note. I agreed, and let them know that I did not have a card ; they said they would send a replacement and my statement. The alternative and comments were never received.
I then left the country for the holidays in XXXX, while gone I did receive a statement, and I paid the amount in full the moment I arrived back home. Since then, I was reporting late the three credit reporting agencies, and it has lowered my score 80 points.
I called Nordstrom Card Services and told them my erroneous circumstances, and they agreed to waive the late fees, but not report the errors to the credit reporting agencies. I asked for a letter stating that they rejected the charges, and they refused and told me I have to wait for my statement, which I will not receive in the mail until XX/XX/XXXX.
I feel like there was an error with mailing my original card and statement and that they are unreasonable to remedy the issue. This is directly impacting my life and creating unnecessary hardships as I am in the process of refining my mortgage so that I can take money out and get a new furnace and water heater. Please help.
I also asked to open a case with the executive resolution team so that I could submit my proof, and they were not willing.
There address is as follows : Nordstrom Card Services XXXX XXXX XXXX XXXX CO XXXX Additionally, I asked for my account number/card number since I never received the card, and they said they could not provide over the phone. They did submit a replacement card, but that will take 7-10 business days. That is the reason, and I can not contain my account number with this complaint. I also have documents proving I was out of the country and can provide bank statements showing that I could pay the fee, and I did, pay in full, so there is a XXXX balance on the account. The reason I could not pay was due to not receiving the statement and then leaving out of the country. Please ask if you need those documents.
Thank you, XXXX
|
| 09/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
On XX/XX/XXXX, received a call from TD Bank Fraud line : ( XXXX ) XXXX, " XXXX '' told me that there was fraudulent activity about to happen on my checking account. He gave me five ( 5 ) codes to " clear the fraudulent activity ''. On XX/XX/XXXX discovered that {$1200.00} had been taken from my checking account.
On XX/XX/XXXXs, went to TD Bank, opened new checking account / new VISA debit card. Was told that it would be " 3-5 days '' and my funds would be returned to me. I asked how this occurred, customer service said : " I have no idea '' Subsequent staff would then tell me that hacker had disguised his number to appear to be from TD Bank.
I have spoken with TD Bank on the following : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, with NO resolution. Each time I am told it will be 5-10 days to resolution, then discover that TD Bank gives itself 45+ days to " resolve '' issues.
Enclosing two ( 2 ) form letters from TD Bank dated XX/XX/XXXXand XX/XX/XXXX denying my claim, asserting that I approved the transactions. Enclosing also statement of the transactions from my TD Bank. I have no knowledge of an : XXXX XXXX, to whom the money was directed.
During the telephone call, I was prevented from seeing the result of my responding Yes by the hacker.
It seems to me that TD Bank is deciding in the bank 's favor far too quickly. I am a TD Bank customer since XXXX. I use twelve ( 12 ) checks per annum for rent payments. i pay utilities online using my VISA debit card. Then, I drain my account in one evening to an unknown third party? Inconsistency like this does not raise any red flags with TD Bank?
The staff members whom I have spoken with at TD Bank have helpful, however, anyone able to authorize any refunding of my funds makes themselves unavailable at all times. When I mentioned my attorney becoming involved, they refuse to reveal a contact person at TD Bank. I was told that : " your attorney will know who to contact ''?!
Subsequent calls to TD Bank after XX/XX/XXXX indicated to me that the staff were becoming less and less helpful and / or cooperative. TD Bank calls this " customer service ''?
|
| 09/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
XXXXMy debit card was stolen and used at a XXXX store. The amount charged was {$1200.00}. I immediately called bank and had debit card cancelled and all credit cards cancelled. The restaurant also filed a police report. I logged into my TD Bank online banking app that evening to make sure the perpetrator did not access my checking account and steal any money from my checking account.
XXXX filed a claim with TD Bank.
I waited for months to hear back and they denied the claim. I received a letter on XX/XX/23 stating they denied claim. I called to ask why and was told that I need to submit a police report. On XX/XX/23 I started a new claim. Claim # XXXX. On XXXX, I received a letter stating claim was still being denied. I attached the police report, the checking account statement which showed the unauthorized charge and also my credit card statement which showed the perpetrators using my credit card at several other stores in the same shopping center at the same time.
XXXXWent to branch and resubmitted all documentation along with a letter asking for an explanation for why the claim was being denied. No one responded by letter, email or phone call.
XXXX I called to follow up and was told that I needed to get security footage from the place where theft took place. On XX/XX/23, I received surveillance footage of the two women responsible for stealing my wallet out of my handbag. It is visible on the surveillance tape.
I also called XXXX and asked if they had security footage and no one has returned my call.
XXXX called TD Bank to follow up on my claim. No one has contacted me with any info on why my claim is denied. I asked to speak to a supervisor and she said that I needed to go back to the branch and resubmit or open a new claim because my claim was " closed. '' The supervisor was going to submit a Smart Form and " escalate '' my case. She was going to personally forward all of my evidence to the fraud investigation team. She said she would need a few days and she would get back to me personally. No one has responded to me.
XXXXI went to TD Branch and had them reopen my claim. Claim # XXXX
|
| 04/30/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I have had an untroubled account with XXXX XXXX XXXX, acct id XXXX, for many, many years. Last year I lost my card, reported it, and they sent a replacement card with a new number. After having not used my card for a long time, months, I tried to make a small online purchase and it was declined. When I called to find out about the problem, I was told XXXX made an automatic purchase to my account for {$40.00}, and I was never notified. The payment due was late at that time with an additional {$27.00} late fee attached. I asked on the phone why was I not notified by mail or email. They had no answer.
I filed a dispute. They required me to wait for their postal mail document. On XX/XX/XXXX, I received their mail-out and the due date was XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX stating that they tried to reach me by phone on XX/XX/XXXX, and since I did not answer the disputed amount {$39.00} will remain on my account. I did mail a completed and accurate dispute form as they required on XX/XX/XXXX. Apparently, it was too late for their unreasonable expectations.
I did not authorize this purchase for virus protection for an old computer I rarely use.
How is it possible that XXXX can put something on my card unbeknownst to me and I can't make one charge on my own card? I also had trouble getting onto their website to access my account. I CAN'T ACCESS IT BUT APPARENTLY ANYONE ELSE CAN.
Also important to note is that I did not receive any postal mail or email about this illegit purchase UNTIL I told them about that over the phone. Suddenly I can receive all kinds of mail and email from them. My email has been the same for years. My phone number and mailing address has been the same since XXXX.
On XX/XX/XXXX I called XXXX again and told them to close this account immediately. I assume they did.
XXXX sent me an email on XX/XX/XXXX telling me my payment is due XX/XX/XXXX. They have sent me no acknowledgement that they received my dispute.
How can it be that someone, anyone can access my account and I can't? How can the CFPB allow credit card establishments to behave so unreasonably.
|
| 09/19/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
XX/XX/XXXX, I purchased furniture from XXXX XXXX XXXX for a 24 month no interest payment plan. First payment was due XX/XX/XXXX and the last payment due XX/XX/XXXX.
In XX/XX/XXXX I started to have problems. I received a late payment charge. I did not dispute the charge but did call to inquire and the agent said that payments are posted the day the check is received even on weekends. Thus, I monitored my bank account to see when the checks cleared. Recently, I reviewed statements and this is not the case. See attached transaction and posting dates : XX/XX/XXXX and XXXX XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX & XXXX, XXXX I started to monitor my checking account to see when checks were clearing. All was well until XX/XX/XXXX when my check had not cleared. I called to make a payment on XX/XX/XXXX. The next month XXXX payments cleared my checking account on XX/XX/XXXX.
I also pay a XXXX Bank payment ( to XXXX, GA ) the XXXX of each month form XXXX, NY and I mail both checks the same day. The TD Bank payment goes to XXXX, MI. The XXXX 's account has never drawn a late charge. Why only TD Bank? Due a day later.
On XX/XX/XXXX I paid the account in full. TD Bank continues to assess a late fee and incomplete payment charge ( {$65.00} total ).
I have made extra payments XXXX XX/XX/XXXX ) and have paid the account off early. I believe the extra and early payments should close out the account and that the fees assessed are in error. These early payments should not allow TD Bank to put me a position to penalize me. Therefore, I am requesting a reversal of the {$65.00} and that TD Bank stop mailing me solicitations. Yet, TD Bank says that the early/extra payments don't count as the are not submitted with invoices.
A strongly disagree.
To summarize : 1. I have proof that TD Bank does not post payments on transaction dates.
2. I have been ahead of the agreed payment schedule since XX/XX/XXXX.
3. I have paid the account in full as of XX/XX/XXXX, XXXX months early according to the agreement.
I am requesting TD Bank reverse the {$65.00} and stop sending me solicitations.
Respectfully submitted, XXXX XXXX
|
| 07/21/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Hello, I started a dispute with TB Bank who manages my XXXX store card for a transaction that occurred on XX/XX/XXXX for an amount over {$800.00}.
I returned a phone to the merchant, the merchant accepted my return, but I never received a credit from the merchant.
After attempting to resolve with the merchant several times, they would not issue a credit, stating they " will put in a request '' that I never heard back from.
I started a dispute with TD Bank XX/XX/XXXX, within 60 days of the disputed transaction providing details both by mail and verbal forms of communication. I received a letter XX/XX/XXXX confirming the claim was started.
It has since been over 97 days since I started the claim, and I have not heard back from TD Bank in any form ( mail or phone ) asking me for additional information, or, with a status of my claim. I sent the bank messages XX/XX/XXXX and XX/XX/XXXX through their online banking system and was not provided a status of my claim, only that it would be resolved within 90 days and I would receive a letter with the outcome.
I attempted to contact them by phone today, XX/XX/XXXX, to get the status of the claim and was told I should get a letter by next week, which I had been told the week before.
Thus far, TD Bank has not credited my account back for the balance, and the merchant has the product! I have not benefited from this transaction in any way and TD has kept me in the dark regarding the status of my claim. Since my account has not been credited after the 90 days, I can only assume that my claim was denied, however, unless the claim is in arbitration ( which I have not been made aware of ) I believe TD bank has mishandled my claim, as the information I provided them should fit the association 's charge-back guidelines.
I need a satisfactory resolution on this claim as soon as possible, this transaction has been negatively impacting my credit for far too long and there is no reason the bank should not be able to provide me a simple status of the case over the phone, such as " Your claim is denied for this reason '', or, " Your claim is resolved in your favor ''
|
| 05/04/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I was working a shift for XXXX when I receive a ride that dispatched me to a XXXX XXXX XXXX, Fl address on Sunday XX/XX/XXXX at approximately XXXXET. I arrived at the address and got a text message on the XXXX app to await instructions from the passenger.
I got a call through the XXXX app from XXXX, a person who called himself XXXX. He informed me that I was being rewarded a {$500.00} bonus for excellent customer appreciation based on my last 15 rides. XXXX said he would wire the reward into my XXXX XXXX. He then asked to see a confirmation email from my email connected to my XXXX account. Had me repeat my email and phone number.
When I didnt receive the email he asked me to change my password. Still no emails. Then he proceed to ask me for security codes that came in through my phone that he said he was generating. Once the XXXX account emails did not come in, he said he could connect to my back through a third party client. He asked for and I gave him username to my online banking which he said he was using to verify my TD Bank account. What he did was access my online banking through a lost password and asked me for the security codes coming into my phone to gain access.
XXXX then opened the XXXX function on my account ( which I have never used ). Then he asked me to repeat back several security codes and then several {$500.00} confirmations which came up under the name XXXX XXXX. He used the XXXX function to attempt to withdraw three transactions of {$1000.00} each ( which the bank denied ) but then allowed three transactions of {$500.00} each.
XXXX said he would call me back to fix the issue with the " reward ''. My XXXX account got locked and he said there was a server issue and that he would me call me later in the day with an update. A few hours later I felt suspicious and called TD Bank 's 800 number ( at around XXXX ET ) about what had happened and reported the fraud attempt. XXXX did call me later that night around XXXX ET. I asked him to please put the money back and he hung up the phone.
I have filed a report to the FTC. FTC Report Number is XXXX and is attached to my complaint.
|
| 05/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
TD Auto received multiple payments that was debited from my account. One payment was for XXXX XX/XX/XXXX for the month of XX/XX/XXXX. The second payment was XXXX XX/XX/XXXX for the month of XX/XX/XXXX. Which I paid with my debit card. TD Auto claimed to have not received the two payments. Both payments were deducted from my bank account. TD Auto did not inform me of the issue of the company claiming to have not received payment for the month of XX/XX/XXXX and the month of XX/XX/XXXX until my XXXX billing cycle. TD Auto reported inaccurately to the credit bureau for more than 8 months. TD Auto harassed me with phone calls everyday ( sometimes more than once a day ) once the issue was brought to the companys attention. I presented two months worth of bank statements, as well as other documents that pertained to TD receiving payment from me. I presented these documents on multiple occasions showing the dates and amounts which were paid to TD Auto. And asked TD Auto to preform an investigation and repair the inaccuracies on my credit report. TD auto told me to make a payment ( which I already paid in XXXX ) and the harassment by phone would stop. And the company would give a credit in the amount of my monthly car payment of XXXX to my TD Auto account once the investigation was finished, and that I would receive a letter in the mail. I received multiple letters stating that TD Auto found inaccuracies when reporting and they would fix the issue. but the company never fixed the issue nor did the company give the credit. TD Auto has not complied at all. I reported this issue to TD Auto and the company has done nothing. I uploaded my XX/XX/XXXX TD Auto billing statement which shows that one payment was not received for XX/XX/XXXX. That payment was satisfied and resubmitted by my banking institution. That document is uploaded as well. I also uploaded my billing statement from XX/XX/XXXX which shows that the payment from XXXX was received once it was resubmitted by my bank. That should of satisfied the issue. But TD claimed that I owed them more. I presented all the documentation showing that the debt was paid.
|
| 12/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
My name is XXXX XXXX, I am residing at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. I have an account number with TdBank, account number is XXXX. I have had overdraft issues before and addressed it with the bank. Sometimes successfully. Sometimes not. Being recovering after a XXXX treatment and being managing a low pay job for now have not added much help. I have noticed that sometimes if I had 5 transactions pending and had deposit coming only in a day they would let 4 transactions pass charge maximum overdraft fees allowed per day, then let one transaction stay pending and pull it through the next day and charge overdraft fees on it too. Then when I would have my deposit coming in the fees would eat it up. Also there is a difference between mobile application and their regular banking application often they would show pending transactions in one order on mobile application then have it in another order in regular application. I have been trying not to pay attention to it but did take screenshots and sometimes reached out and addressed it. However what has happened recently is completely unacceptable. I had placed a purchase and lost my job along with my last paycheck being bounced which Labor department is investigating at the moment. This cause an overdraft and I was trying to transfer XXXX dollars every other day from savings account and noticed that my transfers are not minimizing my balance but go against new overdraft fees. I have two XXXX transactions in the amount to XXXX and XXXX been charged every other day up until XXXX XXXX and inquired XXXX dollars of the overdraft fees for each day, despite that these charges had been paid to XXXX XXXX XX/XX/XXXX in full from XXXX account and then my savings account and from that day was not charged towards my account. When reached out to the bank I was told to stop them or notify XXXX my explanations that inhave screenshots when it was paid and also emails from XXXX that this amount had been satisfied I was ignored. How could it be that this transactions are paid but TD Bank still showing that they are charged for the next 2 weeks few times a week?
|
| 05/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I sold my car on XX/XX/XXXX. A Cashiers Check # XXXX was issued to TD Auto Finance on XX/XX/XXXX in the amount of {$12000.00}. Later, I received a bill from TD Auto Finance and I noticed the payment had not been posted. So, I called my bank and found out that the Debit to the Cashier Check had not cleared and I was informed by them that it was most likely lost in the mail because it was over a month it had been sent to TD Auto Finacne. I called TD Auto Finance and sent them over the bank credit copy of the cashier check that was issued to them on XX/XX/XXXX and we both agreed it must have gotten lost in the mail. I spose with XXXX XXXX a manager there and he said they would honor the payoff if I faxed over all the information for him to see. ( Bank Credit Copy that was issued to them on XX/XX/XXXX, Stop Payment of Cashiers Check and Reissued Cashiers Check ) I did do that and have all the documentation to prove it. Today, XX/XX/XXXX I received a bill from TD Auto Finance for {$59.00} that included a late charge. When I called I was on hold for 30 minutes before a representative said I had called the wrong number she could not help me any further. So, I called the number she gave me and it was the number to the Charge Off Department which my loan is absolutely NOT charged off so they told me I had called back the department I previously called. Once I called again I was transfer again and then transferred again to a manager who I either became disconnected with or was hung up on. ( I will go with the positive and hope I was just disconnected ). After that I called back and just paid the {$59.00} because I was not spending anymore of my time on he phone with no one that could help me. I just fee that I was lied to as a consumer by being told they would honor my payoff when they ended up charging me a late fee and additional interest. I have not checked my credit report as of yet but I'm sure this late payment will reflect negatively on my report and I feel as though this is not my fault because I contacted the company and sent them all information they asked for. Thank you for your time in this matter.
|
| 09/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
On Wednesday, XX/XX/2022, I checked my mail, and there was a bank statement from TD Bank with my name and address. Since I do not now nor have I ever banked with TD Bank, I promptly contacted them to inquire about the account. The rep I spoke with told me I was the victim of identity theft and began guiding me on what I needed to do to ensure no further fraud occurred. She also told me the account would be forwarded to their fraud department and closed and that I would receive correspondence regarding the closure in 7-10 business days.
After I got off the phone with her, I immediately began contacting all three credit Bureaus to implement safeguards on my accounts. I filed a police report with the XXXX XXXX Police Department the following day. Additionally, I went to TD Bank to ensure the account was closed ; and they did close it. The rep in the bank looked up the account and confirmed it was opened by the perpetrator on XX/XX/2022, using my correct social security number and DOB. However, the perpetrator used a fraudulent phone number and email address.
TD Bank currently has a promotion where individuals can open new accounts and receive {$200.00}. Opening the new account can be done entirely online and does not require any credit checks, so I never received a prompt from my fraud protection service notifying me that TD Bank had opened an account in my name.
My complaint is that TD Bank has no measures in place to prevent this type of activity from occurring again. Due to TD Bank 's negligent banking practices, I have now spent several days filing reports, locking accounts, and paying money on added security features. If TD Bank were interested in protecting against fraud, they would not have such lax security measures to establish accounts online. While the perpetrator is ultimately the criminal and at fault, TD Bank is equally culpable because they do not have adequate safeguards in place for potential victims of fraud. Additionally, their enticing promotions and the insufficient requirements to establish an account encourage criminal behavior -- they are begging criminals to be criminals.
|
| 08/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX XXXX ( TD Bank Retails Services for XXXX ) have reported unauthorized charges to the credit report agency, which impacted my credit FICO score to go down from Excellent to Good. The entire amount charged ( {$570.00} ) to my account had not been authorized at any point by me. Due to being concerned with the credit report score and my employment safety, I went as far as trying to pay TD Retails and XXXX. Even though I did not authorize this purchase and charges, and due to the TD Bank harassment and phone 's stalking, I tried paying the original amount of {$220.00}, which is the original unauthorized amount. I paid with my XXXX XXXX and XXXX XXXX XXXX, but both banks declined the payment without any fault/ action by me. TD Bank continued harassing me further, added more penalties to these unauthorized charges, which inflated the amount to {$570.00}. I had no luck to reach anyone with XXXX XXXX and TD Bank consumer rep refuses any other form of payments including checks even when Offred them ACH payment from my bank. I recently provided by phone call to TD Bank rep on XXXX XXXX another bank account to pay these unauthorized charges to stop the continued harassment of TD bank consumer accounts for XXXX. Payment posted to my account for {$220.00} in XXXX XXXX, XXXX yet TD bank got blocked by XXXX XXXX XXXX not due to any fault of mine or action by me. I have NOT authorized any of these charges and/ or fees, which I have been harassed by ( TD Retails Bank consumer account for XXXX ) to pay.
Please Note : At any point there was no any kind of knowledge or any kind of notification or any kind approval to such services by me. I have fully paid the full amount ( cost ) of the device ( XXXX XXXX XXXX ) within one month of purchase and did not finance nor authorized any coverage services. My credit has been excellent. XXXX financial retail services baseless claims and their unauthorized actions have damaged my credit. I need your help please. I have been seeking attorney 's services to fix these illegal activities and charges, but all of the legal counsel I spoke to had pointed me to your agency.
|
| 09/14/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On MondayXX/XX/XXXXmorning at XXXX XXXX I discovered at least three fraudulent changes on my checking account with TD Bank. Two were charged to XXXX XXXX ( {$940.00} + {$680.00} ) and one was charged to XXXX ( {$1.00} ).
I called TD Bank and reported the fraud. They told me that the card was compromised and the card would be deactivated. They told me that I had to wait for the pending charges that I saw on my account to post before they could dispute it with XXXX XXXX.
The XXXX charge dropped off.
They told to me to check periodically and as soon as the charges posted they would begin the investigation. I called again TuesXX/XX/XXXXand and again todayXX/XX/XXXXbecause the charges are still listed as pending.
My question to them is why had n't they done anything in the intervening 3 days?
I asked them to explain the logic of waiting for pending fraud changes to be completed, and then to have to recover the money that was now stolen.
I also questioned that a credit card transaction was different from funds being handled as a debit from a checking account. After I got off the phone for about 12 minutes. I checked the email status of the complaint that I had registered on Monday XX/XX/XXXX. ( XX/XX/XXXX XXXX XXXX XXXX right after the phone call ) This is what it said : Dear xxxxxx, Thank you for contacting us in regard to your account.
To dispute the Debit Card/POS debit charged to your account, please contact our 24 hour Customer Service department or visit a customer service representative at your nearest TD bank store and ask hem to fill out a regulation E form for a merchant dispute. This form will grant us the authority to act as your advocate and research the disputed Debit Card/ POS debit. '' Five minutes ago on the phone TD Bank was still telling me that I had to wait for the charges to post before anything could be done.
To add insult to injury I was in a TD Bank branch the morning of XX/XX/XXXX to get another debit card, and could have filled out the dispute Monday morning. For some reason TD Bank did not want me to do that and either willfully lied or misdirects its employees
|
| 07/13/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
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The HELOC 5 year draw period was due. Current average payment of HELOC was {$340.00} per month. All financial forms that were required were faxed to TD Bank as requested on XX/XX/XXXX with confirmation of successful fax. A letter was sent from TD Bank dated XX/XX/XXXX stating the HELOC was not approved with increase in payment to {$1000.00} per month. Local XXXX TD bank was called on XX/XX/XXXX and XX/XX/XXXX with local bank unable to confirm why the long standing HELOC was denied and repayment of {$1000.00} required. They stated they were unable to review reasons for denial. XX/XX/XXXX TD customer service was called at XXXX. Customer representative, XXXX, was unable to give a reason for the denial of continued HELOC stating " phenomenal credit score ''. The number to the renewal team was given on that date by XXXX with call made onXX/XX/XXXXand left message. Unfortunately, despite the TD bank recorded message that all calls would be returned within 24 hours no response from the renewal team has been returned one month later. My, DPOA, daughter went to her local TD bank in XXXX on XX/XX/18 and spoke to assistant manager who assured her that she would be contacted the next day. She was not called with an explanation as stated. No call was made. A call was made to the assistant manager in XXXX on XX/XX/XXXX with message left and still no return call. After completing a customer service form on line for TD bank a phone call was finally received from TD bank. The representative stated that a modification had been arranged with repayment decreased to XXXX. When questioned why a XXXX, XXXX y.o. widow, with phenomenal credit score, increased income over the past five years and no additional debt was not again renewed for HELOC the response was there must have been changes with XXXX XXXX or XXXX XXXX. When questioned what the new rules were compared to five years ago the response was " I don't know ''. I am still awaiting an answer as to why the approval did not go through. Again, no late payments, phenomenal credit score, increased income. Only change over the past years was the age of the applicant.
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| 08/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have been with Target Card services since XXXX. On XX/XX/XXXX I called to do a customer assistance due to medical issues with my spouse. On XX/XX/XXXX at XXXX XXXX, I was told by the rep that he would waive the {$93.00} and I did not need to make a payment until XX/XX/XXXX of {$28.00} and I would not be reported to the credit bureau. This is also stated on my statement and the letter I received. On XX/XX/XXXX, I realized I was reported 30 days past due reached out and spoke with a rude rep and then requested to speak with the supervisor. I spoke to the supervisor after 3 more phone calls she stated I would need to write a letter to get the call reviewed because the rep gave me the incorrect info and I needed to make the payment of XXXX and will be no longer 30 days past due. I made the payment then reached out the next week to see if there was a status on the letter and I was told no but the rep put in the dispute as well that was not previously put in. The next week I called and was told I would receive a letter with the status and my account is current and not past due. On XX/XX/XXXX I called with a follow to make sure I was not past due and was advised that I was not past due on my account and a letter was sent in XX/XX/XXXX with the results of the investigation. On XX/XX/XXXX I receive a notification from XXXX that I was 30 days past due for XX/XX/XXXX and XX/XX/XXXX, which was confusing because I made a payment 3 times in XXXX on XX/XX/XXXX, XXXX and the payment was due on XX/XX/XXXX. I spoke with a rep that then said I was 60 days past due even though I spoke with several ppl that stated I Current. I called back and spoke with a lead that stated he did not understand the reporting being my payment was due yesterday and the system will not report to the credit bureau until the XX/XX/XXXX of the month. He stated for me to call back on the XX/XX/XXXX, with the update and provided me with a case number. This is ridiculous and poor customer service and training on their end. The reps provide you with the incorrect information and the consumer pays the consequences. This is unethical practices!
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| 09/30/2021 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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On XX/XX/XXXX, I opened an account with TD Bank. I was enticed by their advertised promotion that offered {$300.00} for opening a checking account and having one direct deposit of at least {$2500.00}, and {$200.00} for also opening a savings account and depositing {$20000.00}. The terms stipulated this would be credited to my account after 140 days.
After not receiving the bonus after 140 days, I followed up via TD 's online inbox system on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX. I also exchanged several phone calls with TD, on XX/XX/XXXX, XX/XX/XXXX.
They are denying the bonus because " the checking account does not qualify because the Customer earned a bonus on a previous account. Account xxxxxxxxxx earned a {$300.00} bonus on XX/XX/XXXX '' ; " A review of our records indicates that you have held checking /savings accounts with us in the past. Where this online promotion is for customers who are new to the bank, you would not be eligible to receive the benefit. '' The qualifications they are using are those as written *today* ( XXXX XXXX XXXX ), not at the time of account signup. The new terms state " Checking offer is not available to existing TD Bank checking Customers, prior Customers who have had a TD Bank personal checking relationship within the preceding 12 months or Customers who received a bonus on a previous checking account at any time. '' which I agree would in fact disqualify me.
However, the terms of the promotion when I opened the account on XX/XX/XXXX specifically allowed for older customers to qualify, as long as they had not had an account in the prior 12 months. The exact language was " Checking offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months ''. I also confirmed this verbally ( that I would qualify ) with TD phone support on XX/XX/XXXX before opening the account.
I've attached a copy of the XX/XX/XXXX terms. They can also be viewed on the Internet Archive which took a snapshot of the page on XX/XX/XXXX, XXXX which can be viewed here : XXXX XXXX XXXXXXXX : XXXX
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| 12/12/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
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Web |
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I am writing to bring to your attention an issue I have encountered regarding my recent loan application. Just recently, I received an email from TD bank regarding my cancelled application due to an " incomplete process '' on my end. I have diligently completed and resubmitted the necessary documentation, and I also took the initiative to speak with a manager at TD bank who assured me that the application had been successfully signed. Additionally, multiple representatives in the company along with the manager, confirmed that the application process was finalized and that the funds would be disbursed within a few days. However, it has come to my attention that despite the assurances given by the TD bank team, a technical issue on their end prevented the timely disbursement of the approved funds/approved loan. This unforeseen circumstance has resulted in an unnecessary hard inquiry on my credit report, causing both inconvenience and emotional distress.
In light of the aforementioned challenges and the discrepancies between the information provided by their team and the actual outcome, I kindly request that the company consider removing the hard inquiry from my credit report/credit bureaus . It is crucial to emphasize that this discrepancy is a result of an error on their end and not due to any oversight on my part.
I would like to draw your attention to the recorded interactions I have had with their customer service team, where they consistently assured me of the approval and completion of my application. These recordings serve as tangible evidence of the promises made, and I believe they will be valuable in resolving this matter.
Lastly, it has taken this company nearly a month in a half to contact me. I have tried resolving this matter by phone with their customer service team as reflected below, yet, it was completely useless and inefficient.
Phone number I called : XXXX XXXX : XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number I called : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 12/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have sent letters to XXXX, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX XXXX is the company that is reporting to XXXX and XXXX, as well as, TARGET/TD is alsoreporting falsely. They removed some reports from XXXX but they were not able to remove it from XXXX and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.
However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate.
Unauthorized/Erroneous Account RESULT OF The XXXX Data XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
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| 06/03/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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On XX/XX/2019 my husband XXXX XXXX went to TD bank to pay a negative balance on our account. XXXX XXXX asked one of the tellers if he can use my debit card to put money on his account to pay off his negative balance. I was outside in the front of the bank on the phone. I happen to walk in and the teller said his name isnt XXXX XXXX. I told her Im XXXX XXXX and she asked for id which we gave her. She looked at the ID And looked at the debit card and looked at me and asked us what is it that we wanted to do. XXXX XXXX explained to her again. That he wanted to use my card to pay the negative balance on his account. Durning the entire conversation she wouldnt look at my husband who was speaking to her. She was just giving me eye contact. She said she process the payment and it was decline. She was extremely rude still no eye contact with XXXX. She came back with no receipt of proof that is was decline. she was talking to my husband without eye contact again. I didnt believe she even really swiped the card. After she said it was decline my husband asked her to put in a lower amount to see if it would go through.She automatically said no she cant do that and pushed our IDs and debit cards back to us. After my husband went to their atm right outside the door. XXXX put my debit card in to see if he can withdraw money. XXXX XXXX was able to withdraw the money from my debit card that she said declined, and was able to deposit the money into the TD bank account. I feel she was discriminating against us because we are XXXX customers. She was rude the entire time, And we check my bank statement to see if she attempted to take out the amount that was asked, to see if it declined. No transactions were shown other then the one my husband took out himself. So it kind of looks like she lied about even trying to take the money out. Im disappointed in being treated in such a manner with my husband. I will like to go further with actions being taken against the bank teller. We dont know the bank teller name but we do know how she looks like. I wonder how many others she discriminated against the same way as ours.
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| 07/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I received a copy of my credit report and I am writing to dispute the following Information that appears on my credit profile after carefully reviewing the information on my report The following inquiries are unauthorized and I ask that u delete them from my report : Inquire from XXXX XXXXXXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and I never authorized this inquiry Inquire from XXXX XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and didnt not authorize this inquiry Inquiry from XXXX XXXXXXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize this inquiry Inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize this inquiry Inquiry from XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXXXXXX XXXX XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX on XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXXXXXX XXXX on XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXXXXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from TD Bank USA/Target C XXXX XX/XX/XXXX XXXX am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXXXXXX XXXX XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry
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| 05/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage is with TD Bank since XX/XX/XXXX. I make mortgage payment s on time ; never late on a payment. The mortgage payment is $ XXXX/ month due as of the first of the month. I make a monthly payment of {$2200.00}. On XX/XX/XXXX ( business day of XX/XX/XXXX ), I went to TD bank branch located in XXXX XXXX XXXX XXXX, NJ, to make the mortgage payment due on XX/XX/XXXX. I told the teller that I need to pay my mortgage. Because TD Bank does not have a mortgage payment slip, I do have to complete one. The teller completed the transaction and gave me receipts which I can provide to you. I left the branch expecting everything is ok since I never had any issues paying mortgage in branches before. On XX/XX/XXXX, I went online to check my accounts and I noticed too much money in my overdraft protection account. I found out that the bank teller deposited the {$2200.00} in my overdraft protection account instead of the mortgage which surplused my overdraft protection account and made me late on the mortgage payment. I called the branch and spoke to a customer service representative who said she will contact the back office. I did follow up with the branch manager who assured me that she will take care of the issue and the mortgage payment will be posted to my mortgage account as of XX/XX/XXXX. On XX/XX/XXXX, the bank debited the {$2200.00} from the overdraft protection to credit my mortgage account. However the mortgage payment was posted XX/XX/XXXX instead of XX/XX/XXXX. I spoke with the branch customer service again to correct this error as I made the payment on XX/XX/XXXXand should be posted on that day. She said that I should not be upset about it because I get two weeks grace period anyway! I wasn't happy with her response and I asked to speak with her manager again. The branch manager claimed that she sent an email to the mortgage department to get this fixed. As of today, the mortgage is not posted on the date I made the payment and the branch manager is not getting back to me. I tried to contact the district manager, however, a branch employee refused to give me his/ her contact information.
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| 09/17/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date XX/XX/XXXX CFPB Case # XXXX We received your response and over the last months have been working with the builder and our attorney to move our project along. Not having any financial leverage has put us in a bind and our project is still not completed.
On XX/XX/XXXX TD Bank received a draw request from our builder. On XX/XX/XXXX I advised TD Bank that this draw would put us at 97 % complete and we were FAR from that. We spoke with the TD Bank rep and I sent current photos of the house. I was advised they would not release funds. On XX/XX/XXXX, after months of no progress we finally reached out to TD Bank for help and were advised that TD Bank had in fact released the funds. We are still not at 97 %, we still dont have a specific date as to when we can expect to be completed or when we will get a TCO or CO for our building.
In your response to CFPB, you offered to protect your concern on our property with a title search and not charge us interest on the funds you released without our authorization. This is not sufficient.
I have attached a detailed spreadsheet of expenses we have incurred and continue to incur due to your banks error. The amount, as of last month, is {$140000.00} which I have broken down for you to review further. On another tab, TD Bank paid our contractor for items that he did not do. Money he was not entitled to and would not return. This amount, {$36000.00}, already exceeds the amount of the final draw on our loan.
We are currently seeking the {$140000.00} as a reasonable accommodation for your mistake. This mistake is the major reason we have been able to move this project along and move into our home.
We understand that the CFPB may allow you another 30 or 60 Days to respond, but these additional delays continue to cost us money which you should also be responsible for. With that said, we would like a response and/or restitution in 2 weeks, or as of XX/XX/XXXX.
Attachments : E-mail we sent to not release the funds, spreadsheet showing our incurred expenses since you released the funds without our authorization.
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| 12/20/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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There is currently a derogatory record on our credit report from XXXX XXXX XXXX, account opened XX/XX/XXXX. The account is listed as charged off with a balance of {$31000.00}. It shows late payments starting in XX/XX/XXXX, and shows late payments since then.
Request 1 Remove derogatory information from our credit report, including the status of charge-off. The Fair Credit Billing Act requires creditors to bill correctly, including send bills to your current address and we did not receive bills or other notices on this account.
Request 2 Despite not receiving statements or bills, weve paid this loan in full. We request that the loan be updated to reflect payment in full.
History 1. We believe the account was charged off in error. The loan was set up for auto payments from a TD Bank checking account. The auto payments worked for a few months, then stopped going through without our knowledge. The TD Bank checking account was not our primary account, and we noticed the issue from a negative mark on a credit report.
2. We received no bill, no notice of late payment, no notice that the auto-pay was not working and no email, letter or phone call from TD Bank requesting payment.
3. As soon we learned ( from credit report ), we called and made all retro-active payments for all back due amounts.
4. We requested a statement be sent of our account status, amount due, and payment information. TD Bank declined.
5. To date, we have received no written notification of charge off status, or recognition of monthly payments made. We have continued making monthly payments in good faith. ( we can provide bank payment records ) 6. Requested directly from TD bank to remove negative information from Credit report, but they declined.
7. Loan is now paid in full, have a letter from TD Bank dated XX/XX/XXXX acknowledging payment.
8. We request that negative information be removed from our credit report, and that the loan be recorded as paid in full.
9. In addition, we request a final accounting letter, as we believe we have a credit amount of approximately {$1100.00}, and would like that amount refunded.
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| 10/18/2022 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I am a victim of a data breach injury due to TD Banks inability to keep my information safe in the company.. I am filing a complaint for negligence and the inability to keep the information safe in the company. The damage this data breach has caused was my social online banking and social security being compromised. This also includes them demonstrating the lack of appropriate security measures.
Recently my bank TD Bank called me through their typical number that has been posted on their webpage and banking app on XX/XX/XXXX. I answered this call and they told me that it was the TD bank fraud department. I handled this like I would handle any fraud case and gave TD Bank the information they requested because these people had all the information my bank would usually had including my name, my address, my online banking password and more.
In the same session my online banking password was changed and I was locked out of my account. TD Bank tells me this was protocall and that they would give me a password soon. then the call ended. The next time they called me was on a monday XX/XX/XXXX and they say it was another fraud attempt on my account. They then ask for my social security. I gave them it because this is TD Bank 's company number.
Then they hang up randomly. I then called TD Bank back to figure out what was going on and they told me that they had no calls from me on their system regarding a fraud case. They also informed me that they have been having alot of situations like this with hackers. hacking their customers ' systems and calling customers through their company number.
TD Bank told me they are aware of these hacking situations and they did not inform their customers or do what they had to do to prevent this from happening. I have taken a few actions to prevent further injury but the bank is liable for this data breach and injury.
I have proof of the Calls from TD Bank from the hacker and texts that can prove negligence and lack of action. And now I have the actual recorded call through TD bank admitting that they were arew of these breaches but decided to do nothing.
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| 08/31/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2020 I received a welcome letter from XXXX XXXX. That letter mentioned a new credit account opened in my name. However, I have not made any purchases of XXXX equipment nor applied for any financing with XXXX XXXX or any other financial institution in years. I attempted to call ( XXXX ) XXXX phone number, included in the letter, but could not get through. After automated greeting, my calls went to hold, where they remained for over two hours. I have made a few attempts, patiently waiting 2 2 hours on hold each time. On XX/XX/XXXX, I filed a police report for an identity theft case and opened a case on FTCs IdentityTheft.gov site. I have sent a US Certified Mail package to the XXXX XXXX Customer Service address, provided in the welcome package : TD Bank N.A.
XXXX XXXX XXXX XXXX, NJ, XXXX XXXX Due to the problems with USPS Tracking system during the month of XXXX, I have sent another copy of the package to XXXX XXXX/TD Bank, once again asking them to close the fraudulent account and send me a written confirmation that I am not responsible for charges on this account. I have enclosed all documents available to me at the time to help XXXX XXXXTD Bank to investigate this case. First package was delivered to XXXX XXXX/TD Bank on XX/XX/2020, second copy was delivered on XX/XX/2020.
I hoped that thanks to my prompt actions, XXXX XXXX/TD Bank could trace the shipping address of the online purchase that was financed in my name, and turn thieves into police custody.
A week or so later I received a statement, showing an online purchase and financing of 3 ( three ) XXXX cell phones for the total amount {$4000.00}.
It has been about 4 weeks, since XXXX XXXX/TD Bank received my letter and all supporting documents. For some reason I have not received any response from XXXX XXXX/TD Bank. Reaching their customer service over the phone is not possible. I spent hours and hours on hold trying to reach a representative, with no success. Today I received another statement, showing the original {$4000.00} balance and {$110.00} late fees, so apparently XXXX XXXX/TD Bank is not looking into this case.
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| 06/21/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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XXXX XXXX XXXXXXXX is using deceptive algorithms to increase revenues on overdraft fees.
I have studied their accounting algorithms for months and taken notes and have copies of receipts, statements, etc. as evidence.
In general overdraft is straight forward, if you use more than your account balance they tack on a fee for covering the transaction.
They have a bad policy of posting items by amount for largest to smallest ( this is not my complaint but should not be legal, this only guarantees that they get the maximum amount of fees they can collect and if this is something that we can discuss to fix this practice for all consumers it would be great. ) However, my complaint is on a more deceptive practice where they will manipulate the POST date which appears to be controlled by software triggers based on transaction to cause overdraft to happen then they use the practice above to get the most amount of fees they can.
Here is an example which happened recently that I have documented well.
At the end of day XX/XX/XXXX my available balance was {$430.00} In this order I made transactions against my available balance XX/XX/XXXX - Starting Balance - XXXX XX/XX/XXXX - XXXX - XXXX - XXXX XX/XX/XXXX - XXXX - XXXX - XXXX XX/XX/XXXX - ATM Deposit ( XXXX ) - XXXX - XXXX XX/XX/XXXX - ATM Withdrawal - XXXX - XXXX XX/XX/XXXX - XXXX XXXX - XXXX - XXXX XX/XX/XXXX - XXXX - XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX - XXXX - XXXX XX/XX/XXXX - XXXX - XXXX - XXXX All of which have a posting date of XX/XX/XXXX ( which is what they choose to do ) I have receipts with time stamps for all the above transactions including a receipt from your ATM on XX/XX/XXXX at XXXX At the end of day on XX/XX/XXXX my available balance was {$250.00} Monday morning my account was negative 46.04 because of the {$290.00} XXXX charge. This charge has a posting date of XX/XX/XXXX and is where their triggers happen. Normally all transactions post the day after their transaction date, however TD bank when their system senses it can create an overdraft situation manipulates dates and posts the same as the transaction date.
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| 12/18/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Can't close your account
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Web |
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Account # XXXX XXXX I opened the credit card at the cash register. I felt bad for the cashier because the supervisor was telling the cashier he had to sign up more customers for credit cards. So I said I would sign up thinking I would put my purchase and cancel it in 6 months. I might visit XXXX once or twice a year. I completely forgot about it and two months later I checked the paperwork the cashier gave me and it was all black. I believe because of the heat transfer of the paper. I never got a credit card or a bill. Finally three months later I received a bill and no credit card. I called and the call went to their collection department. I told them that I have n't received anything until now. I agreed to pay what I owed and the interest to that point. I told them I wanted to talk with someone from XXXX. I did n't think it was fair that I had 3 months of fees and wanted to talk to someone. I repeatedly asked to talk to someone in charge. I was on the phone and on hold for almost an hour. They said if I made the payment they will have a supervisor call me once the payment cleared. I asked why did n't they think to call if someone never activated the card. They did n't care. I asked would n't that throw up a red flag. I agreed to pay off what I owed plus interest but wanted to talk to a supervisor. They agreed and I made the payment. I asked them to close the account. Months passed I only received one of the bills and no phone calls. I called and tried to talk to them and the account was n't closed. She closed the account and said I was on the hook for everything. They would wave one payment if I made the back payment. I agreed that I will pay the first three months of fees to end the nightmare. Then the rep said I would still have to pay all the other fees. I did n't agree with that. I said that I would file a complaint if they did n't try to work with this situation. They said that nothing could be done. Had I closed months ago they would still charge the high late fee and report every month until I paid everything. You could not do anything because you agreed to have our credit card.
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| 09/22/2016 |
Yes |
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Web |
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I have a Target card, it 's my smallest credit card and I only got it XXXX for the discount they were offering. I have otherwise great credit that HAD 100 % on time payments for 12 years until this little fiasco which has amazingly damaged my credit score.
I got this card right before Target lost everyone 's bank info to criminals. They later changed their security to where it will never recognize my computer and requires all kinds of extra verification so that I can not ever seem to get into my own card online so I mail my payments as a check when I have a balance.
Apparently it is taking them more than 10 days to " receive '' and " process '' my payments. I am currently owing them about {$75.00} which is entirely fees, after I already paid about that much in fees once already on a balance that was only like {$63.00} to begin with. ( I let my daughter use it for the discount to spend her birthday money and then forgot about it because I had an XXXX family member. ) So after the funeral I sucked it up and paid {$160.00} ( on an original balance of about {$63.00} ) due before the XXXX of XXXX which is the due date. Now I get a statement thinking this thing is paid off and how and somehow I still have late fees, XXXX actually, so now they want a further {$75.00}. This is ridiculous. I called my bank ( who showed the check had cleared on the XXXX ) and they said it had to have been presented on the XXXX or before to have cleared because it takes one business day. I sent it well ahead of time and they clearly had it in hand before the XXXX. What is it to me how long they take to sort and handle their mail? I consider this a failure to process the payments out of compliance with the Fair Credit Billing Act ( FCBA ) but they will not overturn the charges and close my account even though it consists entirely of fees made up for a payment which was already double the amount, a payment that they had to have in hand on the XXXX for it to be through on the XXXX. Can something not be done about this? They can just take whatever amount of time they desire to sort and process and fee as they please?
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| 07/23/2016 |
Yes |
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Web |
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I applied for a Nordstrom Credit Card on XXXX/XXXX/2016 the rates offered were as low as 11.15 % and as high as 23.15 % based on creditworthiness, before applying, I unfroze all XXXX Credit reports, so they could review my credit history, I completed the online application which asked me minimal questions, income, length of time at my resident and annual income. With my credit score and history of accounts and length of accounts I would more then qualify for the lowest rate offered. Once I completed the online process I was immeditaily approved at a XXXX rate which is 19.15 %. After making a numoros of phone calls with my dissatifaction do to there responses to my concern of the interest rate based on my credit, length of time at residence, length of time on job, income and no debit ratio the representative stated that they would offer me XXXX rate which is 15.15 %, still not satisfied with the response and them not able to tell me why I did n't get the XXXX rate which is 11.15 % is why I 'm filling this complaint. I feel that if I had a question regarding my creditworthiness I would n't have unfroze my credit and applied for the card.
Nordstrom 's Credit Card Interest rates and Interest charges section states " Your APR will be assigned when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the prime rate '' My average credit score between the XXXX bureaus XXXX and XXXX is XXXX, which are the XXXX bureaus Nordstrom credit uses. I tried to find out what was the reason behind my XXXX he was n't able to really explain other then he said my score was a XXXX and it qualified for the XXXX, the represenative said he would be able to give me XXXX rate and do to me still not being satisfied with his response he then said he would not switch to the XXXX do to me still not being satisfied with there response. I believe I have been taken advantage of and now if i close the credit card it will reflect on my credit negative. I tried to handle with the credit card company, but have been told that it has been sent to corp. office for review.
|
| 08/27/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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Chrysler Financial placed a repossession on my credit report when in fact it was a dealership error. On XXXX/XXXX/XXXX I leased a XXXX Chrysler 300 ( Acct # XXXX ) from XXXX XXXX dealership in XXXX, XXXX. Upon the lease end date ( XXXX/XXXX/XXXX ) I spoke with the lease end department and was informed that since I made my first and last lease payment when I picked up the vehicle, I could just take it to any dealership at the turn end and owe nothing. On XXXX/XXXX/XXXX I dropped the vehicle off at XXXX ( see attached Chrysler Financial Inspection Report attached ) and returned home. On XXXX/XXXX/XXXX I received a call from a woman name XXXX that was in XXXX. XXXX stated she was from a repo company and was looking for the vehicle. I informed XXXX that I turned the vehicle in back in XX/XX/XXXX. XXXX stated it was not unusual for this to happen and she would call the dealership and give me a call back. XXXX immediately called me back and informed me that she had located the vehicle at XXXX 's and it had been sitting there for 5 months. Since then year after year, dispute after dispute, I have been unsuccessful in getting Chrysler ( Now doing business as TD Auto Finance ) to remove a charge-off/repossession from my credit. I have disputed this with as XXXX credit reporting agencies ( XXXX, XXXX, XXXX ) with included documents of proof, and each company refuses to remove the negative item from my report. I returned the vehicle, a few weeks late, but the it is not my fought that XXXX 's let the vehicle sit on that lot for 5 months and failed to notify Chrysler. Now I have suffered for that mistake and error. On top of that the reporting entries on my credit report are in error, misleading, and in consisted. For these reasons and others, I have ask the reporting agencies to remove the items and they refuse. I am requesting that Chrysler dba T.D. Auto Finance immediately remove any entry they made from my report. Also I request they be held responsible for sending notification of their error to each and every company that I have obtained or attempted to obtain credit from over the last 5 years.
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| 11/23/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
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Web |
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On Tuesday, XX/XX/XXXX at XXXX pm I received a text message from XXXX XXXX fraud alerts asking if I authorized a {$2000.00} XXXX transfer. I immediately responded No. see below : XXXX ( XXXX ) XXXX Text Message Tuesday XXXX PM Free Msg-XXXX XXXX XXXX Fraud Alert-Did You AttempXXXX To Do A XXXX Transfer For The Amount Of {$2000.00} Reply YES or NO Or XXXX To Decline Fraud Alerts No Thank for your confirmation case id # XXXX Seconds later I got a call from XXXX which is XXXX XXXX customer service so I immediately answered. The guy ( I cant remember his first name but last name was XXXX XXXX said he was calling with XXXX XXXX XXXX XXXX on a recorded line. He said there was an attempted {$2000.00} XXXX transfer to an XXXX XXXX. I said I had no idea who that was and did not complete that transfer. He said to reverse it I had to add myself as a recipient on XXXX with my name and phone number and redo the attempted transactions. He had me send myself {$1000.00}. Than {$1000.00} again. Than {$800.00} which declined because my funds were depleted. Than the call dropped. I received these text messages : Text Message Tuesday XXXX PM TD Bank XXXX WON'T CALL for this XXXX code, Enter : 635606. Don't share! Reply HELP for help, STOP to end msgs. Msg & Data rates apply. Send Money with XXXX message from TD Bank @ XXXX. XXXX XXXX sent you {$1000.00}. We'Il deposit this Send Money with XXXX payment to your TD Bank account. Reply HELP for help. Reply STOP to cancel. Msg & Data rates may apply. Send Money with XXXX message from TD Bank @ XXXX. XXXX XXXX sent you {$1000.00}. We'Il deposit this Send Money with XXXX payment to your TD Bank account. Reply HELP for help. Reply STOP to cancel. Msg & Data rates may apply. Text Message I immediately called back XXXX XXXX at XXXX and filed XXXX fraud claims realizing I had been scammed. XXXX XXXX has since denied my claims. Since TD Bank was the receiving financial institution I have to file with them. However since I do not bank with TD bank they wont do anything for me. So this is my last attempt at fighting this. All my money is gone and Im broke. Please help.
|
| 12/06/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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I recently traveled abroad and utilized my TD credit card, which boasts no foreign transaction fees when I signed up for the credit card. I have returned and checked my statement to find multiple foreign transaction fees. I have reached out to the Credit Card Client Services and they initially claim that my card has foreign transaction fees.
After further digging, the agent found that the terms and conditions of the credit card were updated as of 2021, but no formal notice/mail was sent to me. I was unaware any changes were made to my credit card. The agent stated that this information can all be found on the website. Still, I explained that I do not believe it is the consumer 's responsibility to check the website daily for updates to my credit card 's terms and conditions. These unethical practices were just the beginning of the nightmare.
The agent did not attempt to resolve the issue but kept insisting that I go to a local branch for resolution and refer to the website for the updated terms and conditions. I am unable to make it to the physical location due to a medical condition, which is why I am reaching out to the Credit Card services via phone. When I asked to speak to a supervisor, she acted as an intermediate and dictated what her supervisor had said. When I wanted to file a formal complaint as the agent did not try to resolve any of my issues, she only provided me with her first name and no other identifying factors such as employee number. Additionally, I asked for the supervisor 's name whom she has been communicating with and she refused to provide it. Furthermore, I had asked to transfer to the complaint department and she said it was non-existent. Another 10 minutes go by and she provides a mailing address where I could send my formal complaint. I asked her to stay on the line while I verified and found inaccuracies in the address she provided. She made no further attempt to refute the address.
The inconsistencies and misrepresentation of TD Bank with the credit card services and customer service agents have left me appalled by the business practices of TD Bank.
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| 10/18/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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On XX/XX/2020, I fell victim to a scam by XXXX XXXX XXXX, masquerading as an auto vehicle dealer-ship. Money was transferred from my TD Bank account via bank transfer in the total amount of XXXX USD. I was looking for a vehicle for my dad. His car is very old and I wanted to surprise him for his XXXX birthday. He has always wanted to have a full-sized pickup truck, but the house, XXXX kids, college tuition, and all of the other bills prevented him from ever getting that truck. He would always put his family first and himself second.
I wanted so badly to get him that truck. I was looking online for available vehicles and came across XXXX XXXX XXXX XXXX. They claimed their vehicles were seized or repossessed and were therefore sold at lower prices. I saw an XXXX XXXX XXXX and began to inquire. The people claiming to be from XXXX were very polite. They would send me a copy of every conversation we had. They answered me throughout the entire process.
They told me I could pay in cash but only at their location in Michigan. XXXX XXXX XXXX sent me a bill and information on where to send a wire transfer. I sent the wire for {$4700.00} and awaited instructions. Even after the money was sent they would still answer my questions via online chat. They arranged a delivery date with me. As the delivery appointments were missed they would tell me that they had to contact the shipping company or the driver was delayed. Needless to say, the vehicle never showed up and eventually my questions received no answers.
I am extremely embarrassed about this. I had to explain to my wife that I wasted all of that money. Money that we didn't have to just throw away. My dads birthday came and went and it broke my heart that I wasn't able to get him that truck. Being down all of that money, now I definitely couldn't afford to look into another truck.
I would never think to steal from another person, so I trust people when I shouldn't. There are so many bad people out there that it just gets very disheartening. If there is any way I can recover any of the funds, any of it at all, I would be so appreciative.
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| 12/26/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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From XX/XX/XXXX to XX/XX/XXXX while I was away I was a victim of identity theft I tried to file my disputes and nobody will help me get my hard earned money back I filed my identity theft report I called a good lawyer XXXX XXXX but I shouldnt have to go through this if the bank sees I didnt do these transactions the bank can clearly see that theres. Check written from my account thats not me completely different hand writing these transactions are not mines the money that was took from my account was my XXXX loan to better my business while I was away taking care of my sick aunt td bank has cameras they can see this is not me for account number XXXX I been a loyal customer put all my funds in there and lost them to td bank I am going to see my lawyer today I lost everything behind td bank and all Im asking for is my money back and my account opened I hate to have to go to court and get a lawyer cause I will definitely win once they see the cameras and handwriting on these checks the person even went to the teller and withdrew big amounts my lawyer said I can sue for a few millions but I just want my funds reimbursed this wasnt no petty change this was my life money and Im looking for my funds returned expeditiously I am a loyal customer and have been I demand my funds be returned and my account open these transactions was not me I have my reports and youll can clearly see this wasnt me I hate to have to go to court but I will and it wont take long this was my XXXX business money now my business is done behind td and a scam artist no I will not allow this my money is insured and youll see that check is not mines and none of your workers will help me file my dispute so what else can I do Im suing for negligence Pain and suffering youll did not take good care of my money and now I have none I demand my account be opened and my funds reimbursed now my lawyer name is XXXX XXXX and Im ready to go to court please respond asap that was my business money and youll will not keep my money behind youll negligence I demand my money be reimbursed and my account opened up with some type of credit
|
| 09/30/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I deposited into my TD Bank checking account a check of XXXX dollars yesterday morning XX/XX/XXXX2020 around XXXX XXXX. It was a valid check from a known organization. The check was from XXXX. I did it using a teller. I did not deposit it from the ATM or from a mobile app. Today, I checked my account and I see that TD Bank placed that deposit on hold the description read " FM Deposit Hold-See SM ''. I called the bank and the rep said that it's standard practice that they place the deposit on hold for verification. I asked for how long and they said for 6 days! possibly. That got me very upset. I asked to speak to a manager, and I asked the manager why I was being targeted when I never bounced a check etc. She said that there was nothing she can do. I then asked who was responsible for this and she said that it was the fraud department. I asked if she can transfer me to them so I can ask them directly why I was targeted. I spoke to them and they said that there was nothing they could do about it!!! She also said to me that this was done for my protection! They are holding my funds from me for no good reason for my protection! So outrageous!
Please note that this is the second time that TD bank has done this to me. Previously I deposited my paycheck ( a City of XXXX XXXX paycheck .... ). I used the ATM then. They placed a hold on it like this time and it took about ten days to clear. Their excuse then was that I used the ATM and they advised that next time I use the teller. Well, this time I made sure to use the Teller for my deposit and low and behold they targeted me again and placed my deposit on hold again.
This is outrageous and completely inexcusable especially that there is no reason for this hold as there is no history of any bounced checks at all. And for them to tell me that there is nothing they can do about it is beyond wrong when they should have never placed my deposit on hold in the first place. Additionally, I have direct deposit set up for my account which is another security for them and another reason that they should never place my check on hold for no reason.
|
| 02/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In late XXXX, XXXX, I have receive a mail letter ( first mail letter ) from TD bank saying their recorder showing I don't have any current insurance, thus asking me to provide my property insurance information like insurance policy number, the name, mailing address and phone number of the insurance company or insurance agent. Otherwise, the bank will buy the insurance for me, and I will be liable for the period I do not have insurance. However the fax number provided in the letter never work out, thus I went to TD Bank Branch to fax the documents in early XXXX, XXXX. The document I faxed is the Insurance Binder which contain all the information the first mail letter asking for. I didn't receive any mail regarding the issue and my monthly mortgage payment didn't change. Later in earlier XXXX, XXXX, I received another mail letter, saying my monthly mortgage payment is going up because they have purchase the insurance for me. So I called the TD bank several time between XX/XX/XXXX to XX/XX/XXXX, I got different answers from different agents about what has happened. But they all said they have received the fax from me in XXXX, but they want the " Declaration Page '' not the " Insurance binder '', thus they bought the insurance for me without any notice before or after. However, I didn't find anything about " declaration page '' on the first mail letter I received. Then I contacted my insurance agent to get the declaration page that cover both XXXX and XXXX year, and faxed those document together and received a fax confirmation that has page count. However when I contact the TD Bank today XX/XX/XXXX, the agent said they only receive the document for XXXX not XXXX. In addition, they are asking me to provide other additional documents, a statement from my insurance company saying I was full covered. The agent is very mean, rude and unprofessional. Didn't show any of respect! I have provide all the documents they have been asking, but they keep asking for more. I don't know if the TD Bank really want to resolve my issue, but just keep teasing me. I don't think this is right and fair.
|
| 01/17/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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I made my monthly Target RedCard payment on XX/XX/2020, using the same checking account I have used to pay it every month since the account was opened. The payment cleared my checking account within one business day ( that is, on XX/XX/2020 ), and the payment was listed as posted on my online RedCard account with one business day as well. My available credit did not reflect the payment, but I assumed it was a fluke and thought it would update soon enough. On XX/XX/2020, I received my next month 's bill from RedCard which reflected the payment made XX/XX/XXXX, and showed my available credit as updated ; however, my online account did show this update to my available credit ( and an attempt to use my card at a Target store demonstrated that the online account was accurate - my available credit had not been updated ). I called Target RedCard ( on the day I received the next bill - XX/XX/XXXX ) and was given the run around. I was told my payment was being " held '' and could get no information on why it was being held or when the hold would be released.
On XX/XX/2020, when my available credit still had not updated, I called Target RedCard a second time and received the same lack of information. My payment was still being " held '' with no information as to why or as to when it would be released. I have never experienced this before with any credit card company, and the fact that I received a bill reflecting my payment during this time when it's being " held '' is especially galling. I have tried to obtain a copy of the RedCard Cardholder 's Agreement to see their policy on arbitrary payment holds, and I have been unable to obtain one. You can only obtain one by requesting it online, and when I do so, I am told my zip code is invalid, and thus the request can not be completed ( I'm using the zip code on my Target RedCard bills ).
I intend to keep the card just long enough to see this resloved, and then I intend to cancel it. Who wants 5 % off with a store-specific card when you can earn 5 % cash back with a non-store specific card AND your payment will be processed on time?!
|
| 07/21/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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I was offered a job opportunity from my school email. The scammer claimed to be a Doctor at the clinic in the XXXX XXXX XXXXXXXX, they called themselves XXXX XXXX XXXX. They used a staffs email to send the information for the job. ( XXXX ). I checked XXXX for XXXX XXXX and was fooled into believing it was legit and texted the number they provided, they asked for my name, mailing address and resume. Then I received an email from XXXX containing a link which had taken me to a website XXXX XXXX XXXX to complete my job application. I then was asked to check online for office supplies to start working from home and so I did. I was told that everything will be paid for and students must not use their personal devices. I was to report the price online for a computer, printer and self inking stamp. I was then told that these supplies will be funded by the " professor '' and sent to me, but I will be given a check first of {$1600.00} to pay for supplies. This check was Emailed to me from the email above. The scammer/ '' Professor '' told to print the check and scan it via my mobile bank app, which I did. Once the check was successfully scanned I was told by the scammer that the funds will be processed by the next day. Since I believed I had the funds, I thought everything was okay when the " Professor '' /scammer told me to pay the supplier who will be delivering the equipment tomorrow. So they gave me the XXXX information for the supplier ( Tynesia Graves, XXXX ) which didn't work at first so a second account was given ( XXXX XXXX, XXXX ) it worked and I payed them XXXX, XXXX, XXXX respectively since a Total of XXXX dollars could not be spent at one go via XXXX. I was told that I will be receiving the supplies the next day which didn't happen and my bank told me the check was fake 2 days later. I reported to my TD bank and they set up a dispute which failed after 10 days, I reported to my local police but the investigation hasn't gone anywhere. I was scammed thinking I was receiving a job from a staff at my University.
( I placed the 2 XXXX account of the scammer in files below )
|
| 02/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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In XXXX, I purchased furniture from XXXX XXXX XXXX. I financed this furniture through XXXX XXXX XXXX XXXX. I have paid for my furniture in full, and XXXX XXXX XXXX XXXX continues to harass me by calling multiple times a day. I made numerous attempts in XXXX and XXXX to settle this debt for XXXX XXXX despite the fact that my furniture had already been paid in full. I was told by XXXX of the dozens of customer services representatives with XXXX XXXX XXXX XXXX that I would not be able to reach a reasonable settlement unless I first allowed my account to go into default status. The problem with that is that TD Retail Card Services continues to post negative marks on all three of the major credit bureaus, causing my credit score to plummet significantly. In fact, I had to settle for an auto loan with an extremely high interest rate because they were the only ones to approve me. On nearly every XXXX of the dozens of phone calls I have made in an attempt to rectify this matter, I have made the representative aware that the XXXX XXXX has had a catastrophic impact on my family 's ability to meet even our most basic needs. There was no consideration for this matter. I would repeatedly ask for an itemized statement of the alleged charges, but I would ultimately be transferred to a line was supposed to be where I would be greeted by an account XXXX to assist me. At that point, I would be immediately disconnected. I am asking that the alleged debt to TD Bank/XXXX XXXX XXXX XXXX be forgiven, that all negative reporting be deleted from all credit bureau reports , and I am ask for {$3500.00} to be paid directly to me so that I may pay down the principle for my high interest auto loan that I would not have otherwise incurred if even XXXX person would have cooperated with me in my numerous attempts to settle this account. I just want to do the right thing, and they have made it unreasonably challenging to do so. It seems remarkably unethical for them to force me into a delinquent status in the wake of a pandemic and armed with the knowledge that my husband had abandoned his family of XXXX.
|
| 12/30/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
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We have been customer of TD Bank ( XXXX ) since XX/XX/XXXX. Around XXXX, we also became customers of TD Bank USA and currently deal with their store at XXXX and XXXX XXXX in XXXX. Credit cards were opened in XXXX in XXXX and later ( around XXXX ) in the USA.
We used our US VISA account and decided not to make a payment until I could be sure that the charges were proper. Please note that this is not an issue in XXXX since I am provided with all the details on line during the month followed up by a mailed printed statement. However this does not occur with TD US Visa. However, they decided to reduce my credit limit from {$20000.00} to {$1000.00} where it sits currently which I find unworkable and have been phoning them regularly requesting it be increased. I shortly after decided to pay the whole amount to put this matter to an end.
They later followed up with 3 letters stating they are unable to approve a credit limit increase because of : serious delinquency time since delinquency is too recent or unknown too few accounts currently paid as agreed lack of recent installment loan information I have no other obligations or accounts with a debit balance that I am aware of. If TD VISA has different information I would like to know about it. But why would they make this statement and refer to installment loans since we have never had one. Also please note that our chequing account bank balances in XXXX and the USA are over {$100000.00} and have been for some time. They say that XXXX provided information that influenced our decision - how can they get information since we do not have a social security number.
TD apparently does not have any intent to properly handle this matter and is dealing with it in an offhand matter. Also please note that a previous TD USA credit card had a date expiry date of XXXX. I tried to pay for a meal on XX/XX/XXXX, that year but was told that my card had expired. So it seems that TD is playing with their customer 's good will. I would venture that universally every one knows that a card so described expires the last day in XXXX, not the first.
|
| 07/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX, XXXX, ME XXXX XXXX Brief description : Claim against TD Bank , N.A .
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX T : XXXX Claim Number XXXX On XX/XX/2021 I received text messages to my cell phone that stated they were from TD Bank Fraud Department, claiming someone was accessing my account and to verify some transactions. I was apprehensive to answer the texts so I ignored them.
Next I received a phone call with an automated voice recording claiming they were calling from TD Bank Fraud Department and to press 1 to speak to a representative.
I pressed 1 and the caller confirmed/verified all of my identity for me, I did not provide it. They claimed that I did not respond to the text and were concerned, that is the reason for the call.
The caller then explained that there were transfers being made on my account and to verify that they were not mine, the caller would send me a text code and I had to read the code back to them.
This went on for about 4 texts and was taking a very long time so I told the caller I was going into the Bank to speak to them about this. The caller advised I NOT go into the bank as they couldn't help me because this was an online issue.
This is where I became very concerned and went into the bank to meet with the fraud security department. I showed them the back to back texts that were clearly from TD BANK FRAUD Dept. and the phone log from the caller stating they were from TD Bank.
The Fraud Security person looked into my account and there were 4 transfers made back to back and correlated with the timing of the texts. This was clearly fraud and a scam.
TD Bank has done nothing to refund my {$990.00} and claim that fraud did not occur.
I have filed 2 complaints with them, they claim the first complaint was filled out incorrectly so I filed a second time. Both were found to not be fraud.
TD Bank is doing nothing to protect my account or provide any type of refund.
Coincidently, the fraudulent activity began after using my card in the local Target Dept. store.
I hope you can help me with this.
XXXX XXXX XXXX
|
| 06/03/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
I had a checking account with TD Bank and a card that was used without my permission by unauthorized use. I reported this to TD Bank and told them that I wanted to close my account as well as taken care of the unauthorized use of my bank card that was attached to the checking account.
I recently found out years later that TD Bank did not take care of the unauthorized use of my credit card and they ( TD Bank ) threatened to have me reported to the credit reporting agencies if I didn't pay them ( TD Bank ) not only money for the unauthorized use of my card or stealing done against me but they wanted me to pay hundreds in back interest at 18 %. I recently contacted TD Bank when I found out that XXXX XXXX reported me to XXXX XXXX.
I would like to note that TD Bank is a very dishonest bank with their overdraft service. What they do is give customers false balances or balances that do not include anything pending or their ( TD Banks ) other fees. As a result TD Bank makes an effort to make customers go into massive overdraft fees. This is not just done with this misleading information and bad faith practices regarding balances and giving deceitful information. The additional practice done by TD Bank is as follows. TD Bank will allows charge the small transaction as an example below. If someone bought 10 small transactions such as coffees, gas and small purchases totaling say XXXX if there is a XXXX large pending transaction and a {$150.00} balance in the account the bank will not let the small transactions go through and bounce the {$150.00} transaction but rather the bank will make an effort to put the {$150.00} transaction through this in balance and then the ten transactions for {$30.00} will make for a {$330.00} fee for overdraft. TD Bank has the process mastered which starts with giving false balance information to customers via both call in and ATM balances.
I want to be removed from XXXX XXXX and TD Bank to fix my negative account balance right away as my card was fraudulently used without my permission and TD Bank said that they would fix the problem years ago.
|
| 11/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/22 I got service done to my car by XXXX XXXX because my vehicle was overheating. After {$1000.00} worth of repairs my mechanic told me my vehicle was running great and was ready for pick up. On XX/XX/22 I went paid the mechanic for all the repairs and all the extra parts and recommendations that he made. After driving away from the mechanics XXXX min later my vehicle overheated once again and i had to be towed back to the shop. He then goes to tell me that I have a cracked head gasket and possible engine problems. Never was this said too me Prior. The mechanic supposable did all this work to my car but never fixed it at the end I had to sell the car to carbrain as a non working vehicle for parts. The mechanic wrongfully diagnosed my car charged me {$1000.00} for parts that were not needed to be changed he also did an oil change for me for a car that was not even running to milk me for more money cause he told me he had fixed the overheating issue which was not the case! I contacted Td bank to file a dispute with the mechanic and submitted all my paperwork. Td bank gave me provisional credit for {$1000.00}. A month goes by and I then see that Td bank reversed my credit and my bank was now negative. When i called the bank to find out why they reversed my claim they stated I did not give them enough information and that they tried to reach me by phone call. I submitted all the info and Td never reached out too me never received a phone call no voicemail either which they said they left. Also they never even sent me paper work in the mail about my case still waiting its been over a month. I then filed complaints multiple times and Td eventually tells me there is nothing they can do because the merchant already declined the refund. Td had all my paperwork and this was clearly fraud I even have texts that the merchant was going to compensate me but that was after i had already received my provisional credit. I would like the bank to give me back the money that they owe me and stop telling me that there is nothing they can do about it. This was clearly a scam/fraud.
|
| 08/02/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I went to XXXX from XX/XX/2018 - XX/XX/2018 and while there my debit card was used without my authorization for 5-6 days. I didn't realize my debit card was missing or that transaction had taken place until after my return to the US. I went to XXXX to have 2 medical procedures, a XXXX XXXX followed by a XXXX XXXX a week later. I had some medical treatments after. I was under very strong pain killers and sedatives for several weeks.
A claim for almost {$2000.00} worth of unauthorized charges is being denied by TD Bank. TD Bank is claiming there was no fraud simply because the transactions occurred while I was in XXXX, the debit card was not used after I left XXXX and no report was filed. I believe it is important to know that I had limited movement due to the XXXX and drugs I was under and had nurses 24 hours a day ( on 12 hour shifts ) during my entire stay, as well as cleaning service that came daily to clean and cook. I don't personally know any of them and while I would like to think that none would steal from a patient/client, they all knew the length of my stay and had access to my belongings. A police report was not filed because I didn't realize the card was missing until my return to the US. I was on bed rest upon my return to the US due to partly to normal recovery XXXX XXXX and then extended because of complications caused by an XXXX.
I filed a claim with the bank on XX/XX/XXXX and the first time the debit card was used without my authorization was XX/XX/XXXX.
I have had a very tough few months with health complications and with an obnoxious amount of debt as a result of medical procedures and having to take time off. I am battling XXXX and while everybody has their problems I filed the claim within reasonable time. I believe the reasons TD bank is claiming to deny the claim are unacceptable.
It may be relevant to note that I deposit on this bank account an average of {$10000.00} every month and filing a fraudulent claim for 1/5 of my monthly deposits makes no sense.
I urge you to look into this and help me get my money back.
Thank you!
XXXX XXXX
|
| 11/18/2023 |
Yes |
- Credit card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
I had made a payment of {$240.00} on XX/XX/. I was told it would take a couple days to clear. To this day, XXXX XXXX XXXX my available balance has not reflected this payment. The bank was charged a day after payment was made and the payment shows it went through through the credit card 's online services. I made several calls. At first I was told it would take a couple days. So I called five days after the payment was made and I was told it would take 5-7 business days and the reason it would take this long was because I made several payments in one billing cycle. I called last week and was told it would take two weeks so by the end of the week ( today, XX/XX/XXXX ), my balance should reflect payment. I was told in order for it to clear before the date, I needed to have a conference with my bank. The representative I called on TuesdayXXXX XXXX XXXX XXXXXXXX said he couldn't complete the conference because there's a lock on payments that not even a supervisor can override. I called today, XX/XX/XXXX, and had a conference with my bank, but the representative was only able to reflect my most recent payment which was {$40.00} made on XXXX XXXX XXXX, posted through my bank account XX/XX/. So when I called back again, a different representative told me the {$240.00} payment had a 15-day hold on it. The only way to clear before then was to have a conference with the bank. However, the call where I had a conference with the bank mentioned both payments ( {$240.00} and {$40.00} ). So I told the representative I already had a conference and mentioned both payments posted. He just kept saying it should clear by tomorrow, XXXX XXXX XXXX. When I asked him why this hold took place, he couldn't give me a direct answer. And when I asked him how to avoid this from happening again, he kept saying to have a conference with my bank and was assuring me it actually wouldn't happen again. When I asked him how this hold would be any different from any future ( potential ) hold he said, " Very good question. You see, Target- '' and he disconnected the call to avoid giving me an answer.
|
| 03/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Td bank is denying my claim for fraudulent activity on my debit card, I went to a branch on XX/XX/XXXX asking for help on my account they told me that theres nothing they can do until the pending transactions post on the account. When I went to the branch again on XX/XX/XXXX they were able to help me close my account and issue me a new debit card. They told me it takes 7-10 business days to be given a provisional credit. I called in to customer service on XX/XX/XXXX and they had messed up the transactions that were disputed, they told me that the claim was denied as there was no incorrect pin used. Then they told me they can refile a claim for me and told me the same it would take 7-10 business days to get refunded. Then I called in again the following week on XX/XX/XXXX and they told me it was denied again and that I should get a police report. I went to the police and they informed me that Td bank is aware to give their customers an affidavit, to come with that affidavit with the police report. I went back to the branch on XX/XX/XXXX and they printed out the statements and affidavit for me. They said that Td bank never filed the claim initially and thats why I was having these issues. Someone needs to hold Td bank accountable. Td had also said that my card was not used after reporting it but it was used at XXXX XXXX for XXXX on XX/XX/2023. At the branch on XX/XX/2023 they told me that the other branch didnt file the claim initially. I am awaiting a police report number from the police they told me it can take 2 or 3 days. TD Bank has told me that once I get the report number that the branch will fax it to them and that this can take anywhere from 14 days to one month. Td bank and its representatives have been extremely careless, they do not care for their customers yet we entrust them to hold onto our money.
ATM XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total Amount due is XXXX
|
| 03/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
On XX/XX/2022, I placed a take out order at a local restaurant. When we arrived to pick up the food, the restaurant was permanently closed. We immediately contacted the credit card that we had used for this purchase - TD Bank- to get a refund. We were told that we had to contact the company that we had paid. Since the restaurant itself XXXX XXXX XXXX XXXX XXXX ) was closed, we contacted the company XXXX XXXX XXXX that had facilitated the credit card charge and asked for a refund.That company said that the closed restaurant had another branch and they ( XXXX ) would try to get the money back from that other restaurant. We made repeated calls/sent emails to XXXX and they eventually got back to us and told us they couldn't get our money back. At that point, we called TD bank again ( probably XXXX? ). TD said that they would look into it. Since then, I have called TD half a dozen times. Until yesterday, no one has ever gotten back to me nor have I received any communications about this issue. Yesterday, I received a letter from someone in the " Customer Cares/US Fraud Management Office '' with a number for me to call to discuss this issue. I spoke to that representative today and she said that my original request to file a dispute came more than 90 days after the charge ( not accurate because I called right after we discovered the restaurant was closed and at that time they did not tell me that there was a time limit to contact TD again while we tried to resolve things with the merchant ). The TD bank representative said that they will open a new dispute for me- which might be approved or denied- and I'll hear in 90 days. I can not tell you how much time I've spent on this issue. I've made at least ( since XX/XX/2022 ) 7 phone calls to TD bank. I just want my {$67.00} back. This was fraud - I paid in good faith for something and did not receive it. My repeated attempts to get the money back have failed. Please help me!!! I know you deal with much more serious issues and I'm so glad that you are in existence. But I would really like to get a refund. Thank you! XXXX
|
| 08/31/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Trouble accessing funds in your mobile or digital wallet
|
|
Web |
|
|
TD Bank fraud department suspended my checking account # XXXX erroneously based on suspected fraud. While I appreciate reasonable efforts to keep customer deposits safe, in this case the bank made an error and has been unresponsive for two weeks, despite my repeated efforts to address this. The situation is unacceptable and has resulted in economic damages, because I do not have access to my money in the account.
For context, I recently rented out my apartment and opened this TD basic checking account for all income and expenses related to this rental unit. I deposited two certified checks provided by my tenant. One check was for the security deposit ( check # XXXX for the amount of {$3500.00} ), and the second check was for first months rent ( check # XXXX for the amount of {$3500.00} ). I deposited them on XX/XX/23 and XX/XX/23, respectively.
Shortly thereafter, I discovered I could not access my account ( online, via the mobile banking app, or via ATM ). After several calls to customer service, I visited the bank branch located at XXXX XXXX XXXX, NY, NY XXXX and contacted my primary branch located at XXXX XXXX XXXX, NY, NY XXXX. The branch manager at XXXX XXXX XXXX, XXXX XXXX, has not been able to resolve this with the fraud department, despite her relentless efforts on my behalf.
At this point, the bank has essentially stolen {$7000.00} from me. The bank has taken no action to remedy the situation despite the fact that I have verified my identity as the proper account holder. The two checks I deposited were also cashiers checks, certified by the tenants bank. I find the banks behavior truly unprofessional and unacceptable.
I have been trying to solve this with TD bank directly by calling all TD bank numbers I possibly think of ( general customer service numbers, resolution help number, etc ) and by going to the branch in person, but unsuccessfully.
I need TD bank Fraud Department to release and unfreeze my account immediately. And, TD bank needs to create a live Fraud Department hotline where customers can call and ask for help.
Best, XXXX XXXX
|
| 06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
TD Bank was informed that I was selling my house and they were going to receive the full payment of the HELOC, however, they didnt provide an on time pay off letter and asked me to stop by a branch in order to get it, when I work and I cant leave my job by the time theyre open. When the title agent/attorney finally got it. They didnt want to close the account since I had to stop by a branch in order to do it myself. I have 3 HELOC and none of the other 2 asked me to do such thing. The closing of my house fell off due to this and another thing. And the account when past due. I called them and asked them to please give me a time to put the money together since I spent a lot of money in the closing of my house. They told me they were giving me the time to prevent my account to be reported as late. By the time I was in the phone with them, they reported my account late 30 days and I saw it in my credit report alerts. Immediately asked for a manager in order to fix this issue and I was denied to have a manager on the phone since they were available. I processed the payment and ask them to remove the report understanding that it wasnt my fault about the fall of the closing on my house and that the 30 days late report was going to affect me financially. Being not my fault and the agent understanding we agree that they were going to submit and claim in order to be reviewed and erase. I has never received such claim and when I called nothing was open. They lied to me and I asked the last agent to open a claim a let the manager listen to the conversation with that agent where she promised me to remove the report and to open the claim she never opened. I need to removed this late payment since it is affecting my life very hard and I already submitted the payment. Plus I need to make her responsible for what she promised me.
Their app is useless since I couldnt check the right balance and the information required plus it doesnt allow you to do much. Totally useless Thanks for your cooperation and help with removing this late payment from my credit report XXXX XXXX XXXX
|
| 07/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/2022, I was alerted about suspicious activity on my TD Bank Credit Card. A transaction of {$1300.00} at XXXX ( this was a transaction that I didn't make ) I replied and alerted TD Bank that it was " fraud '' and the card was disabled.
My statement listed 5 transactions that was made around the same time, all fraudulent activity and unauthorized purchases.
I spoke with a TD bank and told them the situation and informed them that I have had the card in my possession the whole time. It was not stolen or lost. They opened a case and assured me that they will cancel the suspicious transactions that I did not make. They apologized for the inconvenience.
On XX/XX/2022 I received a letter saying that the case was dismissed and that I was responsible for 2 of the 5 transactions. This is because the transactions were completed by chip and there was no way to duplicate the chip. Since the card was not stolen and is in my possession, this meant I was responsible for the transactions and I would have to pay the bill.
I called the number on the letter to understand what happened because I could not have completed those transactions. I haven't used my card in about a year and the transactions were far from home. One was for XXXX XXXX XXXX XXXX ( I do n't drive ) and the other was for " XXXX 's '' ( I've never had XXXX 's before ). The 2 transactions totaled up to {$81.00} I was on the line for about XXXX mins before I got someone on the phone. When I finally spoke with someone and told them my story, they said they will look at the case again.
A few weeks have passed and I realized I haven't gotten an update. So I called again. After sitting through a XXXX minute wait time, I got someone on the phone that reiterated that I was responsible for the charges and that there was nothing he could do. It then escalated to a supervisor who was very clear that TD Bank will not do anything for me and that I was responsible for the transactions. There was some back and forth, the supervisor told me that the only thing I can do at this point is file a police report.
|
| 07/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
the year was XXXX XXXX was the month, times was hard working part time due to pandemic not making enough money to buy things cash or debit bank card, with a newborn on the way i knew i was going to need and want things for my son, so i walk into XXXX XXXX trying to apply for a credit card to be able to afford few things right away everything came back negative was denied instantly not knowing why i question and luckily the guy that was helping throughout the store told me get a credit check with the 3 credit bureaus to see what you owe or what's going, so i did after weeks of disputing 10 accounts that were open back in XXXX 7 out of 10 creditors drop after investigation two back came saying no you owe us, both creditors told me if you really do not owe these accounts and your not at fault file a police report that will help all of us remove these accounts and we will continue the investigation, so i did attach police reports to my disputes like i've told everyone i ever spoke to about these accounts, the time all these accounts were open i didn't have a dollar to my name never work didn't file taxes had no source of income sadly i've been a victim of identity theft no way someone without a job could get approve for any amount of credit line thanks to these two creditors who don't care about laws suchs as FCRA they have no prove in any way paper on the phone that these accounts belong to me. if you guys can please take a closer look nobody cares now they just hang up once i ask for more of there time the credit beuras suchs as XXXX and XXXX all they do is dispute the creditors but don't solve anything just like the creditors they hang up or say a supervisors will call you in the next 24 hours no call, the creditos XXXX and nordstrom dont give me more info other then its my accounts with zero proof no billing statement that matches my accounts since i didn't own a bank then its a nightmare with no help they are no holding of an telling XXXX to tell me that these accounts are going to drop in XXXX that's not the point 7 years of bad credit and nobody care
|
| 05/03/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I opened an XXXX XXXX card to finance some furniture for a new house in XXXX of XXXX. On XX/XX/XXXX, I decided to make the monthly payment from a different account than I normally would. Since the bank of the account I was paying from has different routing numbers for different regions, I contacted the bank to get the appropriate routing number as i do not have checks for this account. A few weeks later I received a call from TD Bank ( the owner of the XXXX XXXX credit card ) stating I was late with my payment. In shock, I asked the representative to look into it, knowing I had made the payment. The payment was returned because the routing number turned out to be incorrect based on my region. The representative CONFIRMED that I had attempted the payment and waived the late fee.
I called TD Bank today because I noticed ANOTHER late fee on my account that posted on last month 's due date, XX/XX/XXXX, for {$40.00}. I called again to question why a late fee was charged ON the actual due date and they informed me that since the payment wasn't posted to the account until XX/XX/XXXX, the late fee was valid and used the fee ( that was not my fault ) that was waived back in XXXX as leverage to tell me the {$40.00} fee for XX/XX/XXXX is valid and since it was less than 12 months ago, they will not be waiving it. I requested to speak to a supervisor in which the response was " Shes not going to be able to do anything either '' but I asked again to please speak to the supervisor. XXXX, the supervisor, came on the line and said that since it was not an error on TD Bank 's part that the fee in XXXX posted and since they do not provide ANY grace period ( something I was not aware of as well ), that the only way I could have the fee waived is by paying the balance in full. ( The balance is XXXX XXXXif I could pay the balance in full, I would not be making payments ). I repeatedly asked to take the XXXX fee waiver into consideration since it was an honest error and not negligence on my part and was told no. I informed the supervisor that I would be filing a complaint.
|
| 12/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Today I went to the TD Bank and tried to solve the problem with my business checking account and I called my banker XXXX XXXX, he was not on the desk and I had to run to the branch office in XXXX XXXX. New York.
After I spoke to the Sales and Service Manager, XXXX XXXX XXXX, she re-opened my checking account and I deposited {$500.00} and paid {$95.00} for the penalty of lack of funds.
The issue was caused by MrXXXX XXXX XXXX XXXX lack of knowledge to open the business checking account for me.
1. XXXX XXXX didn't set up the security code for me when I opened my business bank account when I noticed the overdraft fees, I tried to call the customer service and I misunderstood the questions and provided my ATM pin code, therefore they locked my account for two weeks that ruined my online business, I can not accept online payments.
2. XXXX XXXX is very hard to reach, he alway not on his desk, when I called him, he is not on the branch, when I go to the branch trying to find him, he is not there, I don't know if he only works as a part-time, I've never been help from him.
3. XXXX XXXX never answered my phone and solve my problems, he always wants me to come to his branch office and talk to the manager, and when I made my trip to there, he always not there.
4. When my account was locked, XXXX XXXX didn't know how to retrieve my account and made me lost another two weeks just trying to retrieve my account.
5. The customer service phone numbers are very hard to get through, and XXXX XXXX didn't tell me to set up a phone pin, whenever I call the customer service phone numbers, it's taking me at least 40 minutes to talk to the right person who can handle my issues.
6. The design of the mobile app is terrible, I can't see my transactions clearly and I don't know I was short of fund and I've been charged for more than {$300.00} just for overdraft and it was only {$30.00} shortage of amount in the bank and I need to pay {$300.00} to retrieve my account.
TD Bank Branch Office Address XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Name of the staff XXXX XXXX
|
| 03/27/2015 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
In XXXX, 2014, my TD Bank business account was compromised and more than {$1000.00} was stolen. This is the sole business account for a small business my husband and I run together, which we use to support our young kids. I discovered the fraud in XXXX, because we were moving houses when it happened. I did my banking with the XXXX. XXXX, NY branch of TD Bank. When I informed them of the fraud, they put me through the wringer with multiple lengthy phone calls and long meetings at the bank, then reimbursed me for the XXXX fraudulent transactions. The representative at the bank was new and not familiar with the protocol, and the managers decided that she should learn by feeling her way through this problem, which was not fair to her or to me.
I combed through my bank accounts, looking for other instances of fraud, with no help from TD Bank. They could not provide even the most basic information about transactions, leaving me to do my own forensic accounting for hours. I discovered more instances of fraud, but the manager told me that I would not be reimbursed for anything over 90 days old. I asked for better fraud protection, such as a text alert for any transactions over a certain dollar amount. The representative told me they did not provide that and would not be doing it in the future. They repeatedly said " It 's your responsibility to review your statements. " TD Bank is making it harder for consumers to detect and prevent fraud, then they are refusing to reimburse for older transactions. Making this difficult for the consumer is beneficial for them financially. They are making money off of their unsecure banking.
I would like to be reimbursed for the {$400.00} charge I found that is more than 90 days old, and I would like to be reimbursed for the XXXX overdraft fee that was caused by the fraud. Equally important, I 'd like TD Bank to change their policies : 1 ) Fraud is fraud, no matter when it happened, and 2 ) they need to make it easier for customers to monitor their accounts by allowing customers to set up text alerts.
Thank you, XXXX XXXX
|
| 12/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
TD Bank has misplaced my payment for an account, inaccurately reported my account as 30-days past due, and despite its own recognition of its error and compelling evidence I have submitted, refuses to correct my credit report, despite several attempts to resolve this issue. I believe this behavior is a violation of the Fair Credit Billing Act, the Fair Credit Reporting Act, and other consumer laws and regulations, and seek immediate remedy from the Company. In the Fair Credit Billing Act, I would point out the following provision in the Federal law : " 164. Prompt crediting of payments Payments received from an obligor under an open end consumer credit plan by the creditor shall be posted promptly to the obligor 's account as specified in regulations of the Board I have submitted proof that I mailed payment to TD Bank on XX/XX/2022, which according to the USPS was delivered by XX/XX/2022. I was not credited until XX/XX/2022. This is in no way a prompt posting of my payment, and is therefore not compliant with the Fair Credit Billing Act. The Bank is violating a second law, the Fair Credit Reporting Act, which states : " 623 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' The Bank, after my XX/XX/2022 phone call, after previous letters, and certainly after today 's complaint, has had more than reasonable cause to conclude that my payment was not 30-days late, as it reported. Rather, the most likely outcome was that my check, mailed promptly and in good faith on XX/XX/2022, arrived to its processing center well before the due date of XX/XX/2022. Therefore, as per the Fair Credit Reporting Act, the Company has a legal obligation to correct this record with the consumer reporting agencies.
|
| 08/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
My name is XXXX XXXX. I have been trying to hard to provide for myself. I am a hard worker, single and with a low income from ssi. I was a XXXX at XXXX XXXX XXXX and am XXXX to start classes again this fall. I get frequent emails from them. Last few have been about local jobs in XXXX. I applied to one of them with XXXX XXXX. I was told that I was going to be working from home. And I was sent copies of checks by email. I did find it suspicious but XXXX XXXX told me that XXXX XXXX was a good company and that they had an office in XXXX. So I went on to deposit the checks to my online banking app with TD Bank like I was instructed. I also had to reach out to XXXX XXXX and paid them for the materials I needed to work from home. I was told to pay using XXXX and XXXX. Again I was worried but since I was told everything was fine I went on with it and also I was thinking maybe is because they are working from home due to the pandemic. And I had checked that there was a website for XXXX so I did the transactions. Now my accounts are frozen with TD Bank. And my phone was hacked. I even had a cd account because I am thinking of my future and those of my immediate family. I am so passionate about securing a future for myself if I need money for the future that because I could I invested in writing a book and getting it published. Future sales would mean future money just case things go wrong. Now I find myself not being able to pay my bills and the people from TD Bank are playing games with me, I've been on the phone so many times, to branches, and all for nothing. I just don't know what to do anymore. I don't want to be homeless or have my services shut off. I need help. I even provided a police report and copy of an email to the TD Bank on XXXX XXXX in XXXX, Massachusetts. They were nice. However when I had an appointment at the TD Bank on XXXX XXXX in XXXX, I was mistreated. Drove there for nothing and a person said they had made an error in giving me an appointment and she was correcting the error. All this from the other side of the door. No courtesy at all.
|
| 06/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
Target chose to ignore that on XX/XX/XXXX I paid the balance in full of {$98.00} in their XXXX, MD store on account # XXXX. Most of this bill was for their late fee on a previous minor bill. It did not seem to matter when I sent the payment in, it always cleared after their late fee was applied. So I elected to pay in person and stop payment on the check that was still in transit on XX/XX/XXXX. I requested that the Target account be closed since it was now a XXXX balance.
I was shocked when I got a bill in XXXX claiming I bounced a check on a XXXX balance account and that they needed {$28.00}. I have written every collector they have hired in the last 2 year as they continued to add late fees and interest to a {$28.00} " Return Payment Fee '' which was a Stop Payment actually. They did not need to get paid twice and I could ill afford that after paying the bill in full in person! I recently found out that they have attempted to ruin my FICO by posting a {$300.00} debt on my credit report. So on XX/XX/XXXX I sent another letter after talking to their representative XXXX. My most recent effort to resolve this directly was XX/XX/XXXX. I faxed a letter with my receipt from XX/XX/XXXX to XXXX as requested by their representative. I have been sending letters since XX/XX/XXXX to them.
I'd appreciate you acknowledging that Target is a predator in the marketplace and refuses to right a wrong that is as clear as the receipt I've kept so long the ink has started to disintegrate. Their representative helped me recreate the numbers to prove my point. I have had my FICO impaired and had 2 refinance loans slip away due in part to their predatory business practices.
In my XX/XX/XXXX letter I offered to settle the matter but they sent me to another collection agency and started the statements and interest again adding to the {$300.00} debt. Collection agency XXXX XXXX, XXXX now wants {$300.00} as of its letter dated XXXX.
Seeking relief from this injustice as a XXXX balance account becomes large enough to place judgement against my home in my twilight years.
|
| 01/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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Back in XXXX of 2018. My husband filed for XXXX XXXX bankruptcy protection. Because of this I had a credit card that was erroneously closed because my husband was an authorized user. The creditor, TD Bank/XXXX, at that time immediately closed my account and reported the account as charged off.
Under standard bankruptcy law. Once a debt is under an automatic stay. All collection activity must be stopped. Reporting accounts as anything other than included in bankruptcy would be a form of collection activity. As the creditor is clearly trying to compel payment of said debt by reporting the information in a negative fashion.
While Ill agree this is not my bankruptcy. The creditor chose to include themselves in this bankruptcy. My husband was an authorized user on this account and his information was never used in the determination for credit approval. This account up until this moment had always been paid in time with no negative reporting taking place. But XXXX upon learning of my husbands bankruptcy opted to show at the meeting of the creditors and opted to include this debt and in his bankruptcy. By doing so they subject themselves to the requirements of the bankruptcy. They are obligated under the bankruptcys automatic stay to cease all collection activity.
I have tried on multiple occasions to dispute this item on my credit report. I have presented evidence to the credit bureaus that this item was included in a bankruptcy proceeding. However nothing is ever completed or updated accordingly. This item continues to report as an active charge off on my credit file. Even though XXXX clearly expects to be either be paid or discharged through this bankruptcy proceeding.
This item should be removed as being wildly inaccurate concerning my payment history. As I have paid this account on time every month. It wasnt until they chose to subject themselves into a bankruptcy proceeding that they closed the account and reported as a charge off. They could have opted to remove the authorized user and keep the account open and continued receiving payments.
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| 05/18/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
Servicemember |
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My wife and I have been a banking member of TD bank for about 8 years. We not only have a business checking and savings account but also opened a personal checking and savings account with them. We have never had an overdraft, negative balance or any issues that were raised with the bank during this time. On Monday XX/XX/2022 we both received separate letters from the " demarketing '' at TD Bank notifying us that they are closing all of our accounts XXXX week of XXXX and the letter provided only a phone number that went to voicemail. No reason was cited and we initially thought the letters were some type of fraud scheme. After leaving approximately 6 voicemails to the number listed on the letter ; I reached out to a local branch manager who emailed the department because there is no direct contact with them client facing or at the branch level. XXXX XXXX XXXX XXXX XXXX XXXX and I am fully aware of AML issues but the bank refused to explain anything other than " they reserve the right to close without issuing a reason '' which is totally unprofessional and left us feeling a bit like criminals. We currently have a professional medical business account with them and closing our account without any dialogue and appropriate time ( less than three weeks ) is one of the worst experiences I have had with a bank. Understanding business is business we at a minimum after 8 years would appreciate an opportunity to discuss the issue they are seeing and allow us the opportunity to maintain the relationship if we can explain, rectify or even demonstrate they are wrong. After digging into TD 's reviews and practices, it appears that this happens regularly and people never hear back or are never given an opportunity to clarify if the bank is mistaken in its assumptions. We are now in a bind to open another bank account and transfer all of our normal operations over within a short time. In writing this I am hoping TD reaches out to me and affords us the opportunity to work with them in maintaining our accounts and allowing us to correct any issues. Reference # XXXX
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| 02/17/2017 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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I spoke with a supervisor/manager in charge by the name of XXXX at TD Bank today, XX/XX/XXXX, in regard to a debit card dispute previously filed in the amount of XXXX from XXXX of XXXX. I was told the dispute was closed out, TD Bank required additional information such as storage contract and receipt showing amount paid. This dispute is over fees charged for storage of my vehicle at dealership.. As I explained to XXXX, there is no storage contact as one was never signed or provided and I was not given a copy of receipt despite requests via email for one. I further explained that receipt, if one is provided, will show XXXX as paid and charged to my card. The reason for dispute is the fee ( s ) charged are questionable because they charged me XXXX per day for 45 days for storage of vehicle when I did not agree to the term or amount per day. Also, an item was also stolen out of my vehicle while in their storage, which I was not reimbursed for. I do not believe I should pay full amount, XXXX, when I did not sign any contract and had an item stolen from my car while it was in their possession. The item, a USB phone charger, was left in car until I could pick it up..It was not in car when I took delivery.. It has not been found, deemed stolen. I had to repurchase it, costing me XXXX I had to pay this amount,XXXX, in order to pick up vehicle from their lot, they were going to charge additional fees if not picked up. They were holding my vehicle pending registration, it could not be registered due to past due property taxes which had to be paid, this prevented registration. The Connecticut DMV, Attorney General 's Office, BBB ( Better Business Bureau ) are looking into this charge as complaints have been filed with them against merchant. I have not heard back from any of the agencies named as of yet. XXXX agreed to refile dispute with information provided, he was informed there is no storage contract and no receipt was provided. Please advise TD Bank this is all the information I have pertaining to this dispute, please try to recover funds from merchant.
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| 02/20/2017 |
Yes |
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- Incorrect information on credit report
- Account status
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Web |
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Hello, I have had this Nordstrom credit card for year. I always pay my payment on time. One month in XXXX Nordstrom reported me 30 days late. They reported me late because Apparently I did not make the full payment so they say. I made the payment through my mobile app when i made the payment the mobile app had the amount due of {$95.00}. The {$95.00} is what was paid. Days later the app told me there was still {$98.00} due so i paid this on the XXXX of XXXX. Which still is not 30 days late. I went into Nordstrom to make a purchase and the cashier told me i could not use the card until a {$10.00} payment was made. This is when i made the payment with the cashier on the XXXX of XXXX. Once i made the payment i asked why, and she explained that i did not make a full payment and XXXX was what was not paid. I explained to her my mobile app had one amount due and logged me off then when i check days later it had another amount due. She told me to call the XXXX number to see why and make sure everything was ok with the app and she recommend me removing it and adding it back on. when i called the representative said the system may have been down, or was being fix on. Later when i made my payment for XXXX i was charged a late fee and i did not know how. I paid what my mobile app told me to pay, in a way i feel the information should be accurate. I have paid my Nordstrom bill every month on time. If i was late no one notified me? This is derogatory information hurting my credit. If i would have never went to the store i would have never known i needed to pay {$10.00}. I would like for them to remove this information because i have paid my payment each month and never skipped a month. If the payment was short {$10.00} the app is the reason and i should not be penalized because their system may have been down that day. I disputed it with Nordstrom and they sent me a letter but the information was still inaccurate it went from late in XXXX to late in XXXX. I disputed it again and it went from late in XXXX to being late in XXXX. i am writing CFPB to seek help.
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| 10/06/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I made a purchase through what I believed was XXXX on XX/XX/XXXX for XXXX XXXX Galaxy XXXX XXXX XXXX phones. It turned out the company I made the purchase through was under the name " XXXX XXXX XXXX ''. Zero payment information was sent to me and when I noticed my credit score took a hit I was able to find the payment information through XXXX XXXX. It turns out the payments were to be made through TD Bank. I can live with that hit to my credit report being I was partially responsible. What followed was an all out assault to my credit score. Auto payments were set up and I assumed I was good to go. XXXX comes along and I see another hit from TD Bank on my report. I call once again asking why and am told the automated payment didn't go through. The account had much much more then sufficient funds to pay. Then in XXXX and XXXX of XXXX the same thing happens and I am fed up with the company. I call to completely close the account and pay in full the remaining balance. When doing so I am given an incorrect amount to payoff. The company agreed to remove the following hits to my credit report. My credit report is hit yet again and yet again I call asking why I am still getting hits on my credit report after paying in full the complete balance. I was told " There's still a remaining balance of $ XXXX ''. I ask the representative why on earth would I would pay $ XXXX and leave such a low balance? No answer was given. I again paid off what I believed was the remaining balance. Nope, they again hit my credit report. I call again absolutely furious at this point and request the full payoff amount and am again told it is " $ XXXX '' I ask to speak with a manager and she gives me a different answer to the payoff amount. Finally got the correct payoff information and the account was paid in full. It still states I made payments till XX/XX/XXXX yet I have had the account closed since XX/XX/XXXX. The fact these are the only missed payments on my credit report speaks volumes about the company. I have tried to resolve this through disputes but have come up empty.
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| 07/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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This issue concerns a Target REDcard credit card that gets fairly infrequent use. After paying off the account balance in XXXX, as I do each month when the card is used, an additional transaction posted, payment for which was evidently due in early XXXX. No statement was ever delivered to that effect. No late notice was delivered. No phone or postal mail correspondence followed up on this balance.
On XX/XX/XXXX, Target reported a past due balance of around {$110.00} ( {$70.00} of which is late fees ) to the credit bureaus. When I immediately paid the balance and inquired as to why they had sent no email statement and had not followed up with an email reminder, postal mail statement, or phone call prior to reporting to a credit bureau, the customer service agent said ( 1 ) that they are not required to deliver statements and ( 2 ) that they are required to report past due accounts to credit bureaus and can not then undo the report. Neither of these is true. When I reminded them of their obligations under the Regulation Z dispute process, they declined to take action and instead suggested I call ( the law requires written notice of the dispute, which I have provided ).
I acknowledge the underlying {$40.00} transaction as legitimate. However, with more than 10 years of on time payment history, the only reason this was not paid is because no statement was ever delivered. Their total failure to follow up is debt parking, and while that practice may not be illegal, the customer service response that lies about the law is completely outrageous. They are required under 12 CFR 1026 to deliver statements, and no creditor is required to report late payments ( or prohibited from correcting errors ).
The idea that an 11-year account holder should take a hit on a credit report that will last for years because of a {$40.00} purchase that was never properly billed, and for which absolutely no effort was made to collect prior to reporting as delinquent, is a black mark on Target for allowing their card servicer to behave in such a customer-hostile manner.
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| 06/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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*************THIS IS NOT A DUPLICATE********* I started a 72 mo loan with TD Auto Finance XX/XX/XXXX and in XX/XX/XXXX, I began asking them to apply any extra payments I made to the principal balance. They kept denying that I even made the requests with them so I filed a complaint so that they'd have it in writing. TD Auto finance still failed to apply any of the extra payments I made to the principal, instead applying it to my next month 's minimum due, so I would wind up paying a lot extra in interest.
1. The contract language alludes to a 10 day monthly grace period, but I wasn't notified until the end that this was not a grace period, interest still accrues during those days, and is amassed on the back-end with the principal.
2. The extra payments I made to cover any additional interest were never applied to the principal and interest - despite filing a complaint about it. As a result, more interest accrued that should have 3. I called them on XX/XX/XXXX to dispute the amount owed and for them to stop all collection efforts until they recalculated my whole loan with the payments applied. I called them 4 times again between that day and today, XX/XX/XXXX for an update, providing a new phone number 2 separate times for them to contact me. They've never called, but say they've called a previous # that I explained was no longer valid. When I call, they announce that it went to the " cashier 's department '', and that I'd be called.
4. Despite my dispute to stop collection efforts while the loan is being re-calculated, they have charged an out of the ordinarily large late fee & also reported a missed payment to the credit bureaus.
5. The original contract says I owed {$35000.00} after interest. I had a little less than {$700.00} in late fees which would total : {$35000.00} I have paid to date : {$36000.00}. They claim I still owe approx {$390.00}, which includes an unusually high late fee of {$62.00} ( normal fees are {$24.00} ). In total : they are claiming I have {$840.00} in extra interest. I have, and will continue to dispute this.
|
| 03/21/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I bought >6k worth of furniture from XXXX XXXX XXXX. I opened a line of credit with the company at the point of sale. Apparently XXXX XXXX XXXX uses td credit card services. I have had ongoing issues with paying my bill since I got the first statement in XXXX or XXXX.
Anyways, a late fee was waved in XX/XX/XXXX because of issues not related to anything I'd done. I paid regularly until XXXX, when I stopped receiving statements. Today ( XX/XX/XXXX ), I called and after being disconnected on and off for 10 minutes, I informed the customer service representative that I haven't received a bill in 2 months, and I don't want to be charged late fees for a bill I haven't received. I told her I WANT TO PAY, just wave the late fees. She investigated the case and discovered that my bill had been marked " return to sender ''. I never wrote that. I'd never received the correspondence. Anyway, she told me the late fees of about XXXX dollars wouldn't be waived, as I'd already had a waived late fee in XX/XX/XXXX.
I asked to speak with a supervisor about the issue i.e. why am i being penalized for a mistake on the part of td card services or usps? Whatever the issue was had nothing to do with me, so my account should reflect no penalties. The customer service representative became upset and made it seem like my frustration was personally targeted at her, despite numerous statements indicating that I see her as nothing but a cog in a corrupt machine. She is powerless. Please let me speak to a supervisor. Instead, she told me explicitly that the call was being recorded. I said : let me speak to the XXXX that pay you. She screamed something and put me on hold, then hung up.on me.
I told them when I was informed about being recorded that they should record me saying I'll be contacting the cfpb about td credit card services. I went ahead and paid the allegedly owed balance, hoping that your agency would help me get justice from these capitalist criminal extortionists. I paid, I believe, XXXX dollars or thereabouts. XXXX is late fees. Please help me get justice.
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| 09/10/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Im XXXX XXXX and I have a bank account with td bank. I had noticed on XX/XX/2021 XXXX that my bank account was hacked thru an app called cash app. I had XXXX saved in my savings account and when I had finally noticed all my funds being gone I had called my bank right away. My bank had put a dispute claim in and they denied it and there reason was cause I had logged into my Mobil app earlier in the day so I should have noticed it. Well it was in my savings and I never look at my savings account only my checking amount. I then had filed another claim on XXXX XXXX with td bank again and had told them multiple times that I had no knowledge that these funds where being taken from my account from XXXX XXXX. I had reached out to XXXX XXXX before calling my bank and they had told me only way to get my funds back was to contact my bank which is what I had done. These funds have been taking out for the matter of 1 monthXX/XX/2021s when it started and had ended XX/XX/XXXX I believe and sent to someone names XXXX XXXX XXXX XXXX. And a XXXX XXXX. nothing is still being done about it. I had told them I will be contacting law enforcement and a lawyer to bring them to court and there still saying its my fault that my funds were taken. I do not have XXXX XXXX nor do I send money on any money app. I do shopping online but with certain sites so Im wondering if that has something to do with my account being leaked. Im looking for all the help I can get in order for me to get the money I worked so hard for that was stolen from me. Im XXXX and a single mom of XXXX children and half that money was my childrens money for school and there daily needs. Im sick of fighting with my bank and then telling me due to me loggin into my mobile app is the reason why they keep declining my claim. Its not right that someone is able to do this to someone who works so hard for everything she gets. All I want is my money back thats all. I just dont feel its right that they believe its my fault someone hacked my account and now Im left with nothing and same with my children.
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| 08/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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On XX/XX/2018, I disputed an account with TD Bank NA that is on all of my credit reports. Thirty-three ( 33 ) days later, TD Bank authored a letter in response to my dispute, which they received and stamped received XX/XX/2018.
TD Bank dated their letter on XX/XX/2018, acknowledging the written dispute that I sent in and informed me to fill out an ID Theft Affidavit and send it to them. TD Bank also included paperwork with a Primary Social Security Number which is not mine, it belongs to a business.
On XX/XX/2018, I sent another letter disputing their findings again with their evidence requesting to have the account removed.
I am also including a copy of my credit reports showing that the account is still listed as my account.
On XX/XX/2018, I sent another certified letter requesting the following : The nature of the debt ( e.g., credit card, consumer loan, medical bill, etc. ) ; A current balance owed on the debt ; A complete payment history on this account ; A complete itemization of all charges ( e.g., principal, fees, interest ) ; Copies of all documents reflecting an agreement to pay the alleged debt ; Copies of all invoices, bills, and notices concerning this alleged debt ; A copy of the first written communication attempting to collect this debt ; A copy of any judgment obtained with respect to the alleged debt ; Proof that the statute of limitations has not already expired ; Evidence that you are authorized and licensed to receive payment of this debt ; Copies of all reports or notices provided to any credit bureaus ; Identification of the original creditor ; Identification of all successors in interest to the original creditor ; If this debt has been purchased or assigned, a copy of all related agreements.
The XX/XX/2018 letter was ignored and I did not receive any response, nor was the information removed from any of the credit reporting agencies.
I am providing evidence to corroborate my statement that TD Bank NA has violated the FCRA and FCRB and did not provide me within the thirty- ( 30 ) day time frame as required.
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| 03/07/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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I called TD Bank via their online bank account verification phone line on Friday, XX/XX/XXXX at approximately XXXX to report a suspicious withdrawal/transaction in the amount of {$310.00} labeled service charge.
I was on the line for approximately 30 minutes with both a Customer Service Representative & Manager, who stated that the amount that was UNEXPECTEDLY withdrawn from MY bank account, was regarding a Safety Deposit Box. At no time was I advised that the deposit box, was an old debt that my Ex-Husband and I opened sometime in XXXX. The manager advised that I contact the TD Bank local Branch, located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, where the safety box had been opened. Upon calling, I spoke with the Branch Manager, XXXX XXXX, who was ridiculously rude, condescending and when I explained that I am disabled, unable to come into the branch to further discuss this issue and how this debit affected my SSDI FIXED INCOME, XXXX XXXX, could not have been more demeaning when he rudely went on to tell me that because I still had an active bank account ( SINCE XXXX ) the debt was taken out from my account!!!
After ending that pointless conversation, I called customer service support to report XXXX XXXX and demanded how something like this could happen with NO NOTICE! Interestingly, TD Bank, sent the notification to my old address ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ). I havent lived at this address since XXXX!!! I just CAN NOT believe that a branch manager wouldnt have verified my current address, etc., before carelessly deducting a debt from my account, simply because I still have an open account!
Im demanding that the monies in the amount of {$310.00} be replaced IMMEDIATELY and addressed accordingly. My divorce decree states that any accounts/debts be paid by my Ex-Husband.
I will entirely close my TD Bank account and my current safety deposit box as soon as possible and will deposit my money with a reputable/responsible institution. I also expect that formal employee action be taken with all parties involved!
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| 09/26/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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- XX/XX/XXXX received notice from a lender because of form IRS XXXX pursuit lending notified had outstanding balance of XXXX with IRS XXXX XX/XX/XXXX researched that evening and knew I had paid and found out on XX/XX/XXXX chase improperly withdrew funds and paid TD bank and endorsed to an individual called XXXX XX/XX/XXXX called that evening and spoke to XXXX told me need to fill out unauthorized endorsement and claim would not start until filled out and faxed from branch - XX/XX/XXXX filled out police report - XX/XX/XXXX Same day went to XXXX XXXX XXXX and emailed and faxed- confirm by team member - XX/XX/XXXX called claims did not receive- NO ANSWER same message XXXX days and XXXX days to conclude and see what the claim will be - XX/XX/XXXX claims by phone still did not receive and suggested email from branch to supervisor and upload the file via email - XXXX on phone lso told to fax document from IRS from penalty and fees, called IRS can not do anything it is not their fault and can only fill out a document after to waive the penalty - XX/XX/XXXX phone claims received document but said missing marked check told to check the appropriate box - XXXX Checked the right box and faxed with branch manager in in XXXX and told to fax again and I did check mark XXXX XXXX called again claims by phone said they saw paperwork but did not see check mark - XXXX went to branch and had XXXX verify received and check marked - XXXX spoke with XXXX XXXX XXXX and XXXX handling case - XXXX XXXX confirmed that claims did not receive proper documentation XXXX XXXX took another week until XXXX for XXXX to speak to branch manager XXXX - XX/XX/XXXX spoke to XXXX she confirmed on XX/XX/XXXX info was sent to TD bank but can not insure for the interest owed to the IRS said she would speak to managers and get back to me and that the case now may take 120 days to event resolve and not even guarantee funds will be retuned - XXXX filled with XXXX for XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX Filed a complaint with attorney general # XXXX
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| 06/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/20 I order a treadmill form XXXX, Order Number : XXXX, for {$3700.00}.
The terms of purchase through XXXX XXXX financing partner, TD Retail Card Services, were " 0 % APR for 12 Months with Equal Payments. '' I proceeded to set up these automatic payments on XX/XX/20, however : Despite ( 1 ) setting up 12 monthly payments on TD 's own payment portal, XXXX : XXXX, and ( 2 ) receiving verification of the payment account ( XXXX Checking Acct ending in XXXX ), and ( 3 ) that account having more than adequate funds to service the debt, TD 's system failed to draw the amount from the payment account, and instead started allocating NSF charges and rapacious interest.
I was in fact confused by the entire process since I had also entered my XXXX card information on XXXX during the purchase process, about which an email was written by me to my assistant on XX/XX/20. She was subsequently assured by TD that everything was set up correctly.
Due to COVID and the related business closures via Executive Order, I have been away from my office in XXXX XXXX XXXX until just a few days ago, when I became aware via mail that accumulated over the past three months, that TD has not been properly processing the payments -- which I not only set up correctly but there own online system validated upon my doing so.
After calling TD to straighten this out today, TD is now trying to collect nearly {$4000.00} from me despite claiming the principal is {$2800.00}. I offered to cut a check today for the principal, and not a penny more, which was not only rejected by TD 's collection representative, but met with the threat of ruining my credit if I didn't pay the entire amount they are claiming is due.
I reached the rep, along with my assistant on the line, today at XXXX. She identified herself as XXXX and claimed her employee ID is XXXX.
I am including screenshots from TD 's payment portal illustrating my enrollment, bank statements indicating a sufficient balance ( thereby invalidating the NSF claim and associated fees ), as well as TD 's statements.
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| 12/17/2015 |
Yes |
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Web |
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I am holding a REDCard credit card XXXX Target ) issued by TD Bank. I had an automatically payment associated with my XXXX bank account. Since I moved XXXX on XXXX, I am gradually switching to use my XXXX bank account. I am plan everything carefully ahead of time.
On XXXX XXXX, I added my XXXX bank account as the default account for automatic payment, but for some reason, their online system did not allow me to delete the old account. I think it should be fine, since it clearly showed that my new bank account is the default, which, should be used as the first priority of course. I am dealing with XXXX every day, I know the XXXXprogram should always use the default XXXX out of so many choices.
However, shortly after XXXX 2015, I found out they actually still billed it to my old bank account ( XXXX bank XXXX, obviously they had been rejected since I had already stopped all payments from with that bank account and were going to close it soon.
Apparently their computer system had some bugs and wo n't switch to the default account. But it is unfair to charge my XXXX $ return payment fee plus XXXX $ interest~! What make it even ridiculous is their inconsistent service. I called them on XXXX XXXX, XXXX a lady told me the return payment fee is cleared after she had a long talk with her supervisor and asked me to made the payment by phone. When I called the next day XXXX XXXX XXXX, 2015 ), none of the agents in TD bank said they could see the reversed fees and they are supposed to do reverse any such fees? I talked with XXXX of the supervisors, XXXX, who said they wo n't disclose their last name or their employ ID to people. She said she is going to find out who talked to me the previous day, but wo n't give me my money back although she said it is NOT my fault!
Anyway, I ca n't believe TD bank or Target set up such a silly system to fool people. Even if their system did not work right, they still want to charge their customers.
I want to ask my money back. Beside I want their apology for their stupid and irresponsible system and services.
|
| 04/14/2015 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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my cards were stolen my id was stolen at target I reported the cards stolen and id stolen my balance at target was XXXX back in XXXX 2012 even i reported the credit cards were stolen and I put a fraud alert they still used my credit cards XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, all menitoned they removed all charges, I paid XXXX my balance Only my what I authorized the credit card, i was going thru a difficult time, divorce XXXX my kid trying to XXXX and myself, both were going to XXXX with XXXX here in XXXX XXXX I had no time to pay attention wiht my bills, my mother was paying some of my bills while I was dealing with divorce and my kids never thought they were going to use all my credit cards and my ids were used they even tried to get more credit and took money from all the credit cards, as you can see XXXX, XXXX, XXXX, XXXX XXXX, they removed all unauthorized charges I can not believe we put over identification so in bad hands and we are not protected anyone can use somebody'else card and id? without asking confirming id? I mailed long ago a disputing charges to target willing to pay only my balnace of {$61.00} even I mailed them my last statement and disputing the charges, I called the XXXX business credit bureau to report the stolen ID and credit cards this is the protection we have?
I am disputing the charges of {$470.00} I called target today I spoke with XXXX then with XXXX she told me to write another letter mail it to Target card serces dispute solutions XXXX XXXX XXXX I have mailed over XXXX letters already to target called them many times here I am writing this complaint to you XXXX to take action of my complaint please I want this to be deleted from my credit please call me at XXXX I will report this to the Consumer Financial Protection B. as an act of failure to my consumer wright, be need more consumers protection ask for ID when anybody is using credit cards to identify the end user that way who stole my ID or stolen credit cards can be prevented stopped,! I as US citizen need more consumer protection from ID theft.
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| 04/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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|
On XX/XX/2023, I received a call from XXXX saying that someone had placed three orders on XXXX with a credit card associated with my XXXX account, but with an email address and phone number that did not match my account. I confirmed that I had not made the purchases and they were able to cancel one of the orders before it was processed. I immediately called TD Bank and cancelled my credit card and reported two fraud charges- one for {$1400.00} and another for {$1300.00} ( totaling {$2800.00} ). I did not hear anything else from TD until XX/XX/XXXX when I received a letter ( attached ) saying that my fraud claim was denied because they claim the CVV provided for the purchase was correct ( which is possible to accomplish with identity theft ) and because there was " unclaimed activity after the fraud began ''. I later found out that the charge for {$1300.00} was not included on the initial claim, which I believe was the reason that this fraudulent charge was considered " unclaimed activity. '' In addition, the total amount in the claim was completely incorrect. When I pointed these discrepancies out to TD, I was told that they did not matter because I had a prior relationship with Apple because I purchased something from their website over a year ago. I refiled the claim for the correct amount, but the {$1400.00} portion was immediately denied because it had been part of the initial, improperly filed claim, and the other portion was subsequently denied presumably because TD had already wrongly judged it as " unclaimed '' non-fraudulent activity. I have since also filed a police report ( attached ) for the charges and associated identity theft with the XXXX XXXX Police Department in XXXX, NJ, where the fraudulent orders were placed for pick-up at the Apple store. The police are currently investigating my case. TD has repeatedly told me that they do not believe fraud occurred and they are unwilling to do anything besides refile the claim, which results in an almost immediate denial since some steps of their claim process seem to be automated.
|
| 12/04/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
My Target Red Card statement ( through TD Bank ) became available on XX/XX/2019. I paid my bill in full on Thursday, XX/XX/2019 in the amount of {$620.00}.
On Friday, XX/XX/2019 the funds were pulled from my checking account.
On Saturday, XX/XX/XXXX, I attempt to use my Red Card to make a purchase and my card was declined. That is when I discovered that my available credit had not changed, even though I had paid my bill approximately 8 days before.
On Wednesday, XX/XX/XXXX, I log into my Red Card, and see that my available credit still has not changed.
I call the 1-800 number, and the first person I talk to claims that the reason my payment has not been applied is because the money has not been withdrawn from my checking account, that it is still pending. I tell him that is not the case, the money had already been withdrawn. He then says its because theyre waiting for confirmation from my bank to make sure my payment isnt fraudulent. I have made numerous payments on my card, all from my same checking account, and there has been no issue. I asked to speak with a manager at that point since the story kept changing.
When speaking with a manager, he told me that the information I was told originally was incorrect, and that it can just take several weeks to process a payment. I ask why it takes that long, the money has been out of my account for 12 days at this point, and I am unable to use my Red Card until my payment goes through because I have no available credit. The whole purpose of getting the Red Card is to save 5 % on my purchases, so at this point it is not doing me any good.
He offers to keep me on the line while we call my bank so that they can confirm the payment has cleared my account and he can adjust my credit. I tell him I am uncomfortable with that, because if we do that I need to confirm lots of information, including a security code that only my bank has. He says that is my only option, otherwise I just need to keep waiting.
I asked several times where the money is while its in limbo and he said he has no idea.
|
| 11/21/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I am a victim of ID theft and my system was hacked where my email and card details were compromised to purchase gift cards from Target online using my target card. Here is the sequence of events : 1. On XXXX, XXXX, XXXX - 3 transactions of {$470.00} were executed for buying Digital gift cards totaling {$1400.00}.
2. I immediately informed the card services of this breach on the same day and they confirmed that they will take care of this.
3. They reversed the transactions and gave me credit for this in the next statement.
4. To my surprise they again inserted these charges in the next statement sending me a letter on XX/XX/XXXX stating that these transactions were made by me.
5. I called the Fraud department and they asked me to appeal against the decision.
6. I sent an appeal letter on XX/XX/XXXX explaining the whole episode stating that I never ever purchased digital gift cards using target card.
7. They again denied the claim and when I kept on calling one of the representative asked me to fill a questionnaire to review the claim and he was surprised why I was not given this questionnaire in the first go. They sent me the questionnaire on XX/XX/XXXX which I filled and sent them along with Police Report which I made on XX/XX/XXXX along with old police report of ID theft from XXXX in addition to Identity theft report filed with FTC.
8. To my surprise the questionnaire was applied against a few legit transactions instead of fraudulent transactions mentioned above due to sheer negligence of Target.
9. Instead Target went ahead and reported " Delinquency '' to credit Bureau which resulted in my credit score getting a hit. Also they continue to put late fee and interest charges on this balance.
10 This whole episode has not only hit me with $ $ but has caused a severe harassment and mental fatigue. I never expected this from a retailer who has been hit by a cyber breach in the past, I even went to XXXXXXXX XXXX XXXX and they ignored my request.
Request you to please help take it up with Target/ TD bank card services.
Thank you
|
| 03/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
On XX/XX/2021 I filed a fraud claim with TD Bank.
I had a very horrible experience with a scammer.
They texted me a text with TD Bank Insignia telling me fraud may have occurred on my account to answer yes or no whether three recent charges ti my account were mine.
I answered No and a man called me telling me he was from TD Bank and that money had been stolen from my account.
The man immediately called me back.
He told me it was urgent we act quickly to stop the fraud and needed my username to verify my account.
He told me as we were speaking that the scammers were stealing my money.
He told me he would send me a a text with a code and I should give him the code to verify my account.
I did and he told me that he was going to reimburse my money immediately.
He stated that the only way he could reimburse me was to refund the money in the same manner it was stolen in {$200.00} amounts.
He sent me one code at a time and said {$2400.00} had been stolen and he would need to make 12 transactions.
I gave him the codes as requested when texted to me.
I became suspicious after 4 transactions and asked for his name and that I would call him back.
I tried signing into my account to contact TD Bank and was locked out.
I called Td Bank fraud and they said said it was definitely fraud and locked my account they stated they transferred money from my business account to my checking account and set up XXXX stealing my money.
I went to my local branch in 15 minutes and set up new accounts.
XXXX the branch manager and I filed the claim.
It was denied stating I provided my code, which is unfair, I was tricked and pressured and deceived into giving the codes.
I appealed and was told to file a police report which I did losing 2 hours of work.
Then today I called and was told my claim was denied again due to my giving the code to the scammer.
This is outrageous I am a small business owner. I was scammed and tricked into giving the codes believing I was talking to TD Bank.
I am now losing {$2400.00} given TD Banks refusal to reimburse me.
|
| 07/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Older American, Servicemember |
|
I purchase a XXXX from XXXX XXXX XXXX in XXXX, Ca. They sign me up with XXXX XXXX. I received my car registration and it stated that TD Auto Finance was the lienholder. I called the Dealer and they inform me that it was their right to sell the loan to another company without notifying me. They said that TD Auto would send me the ensuing paperwork. They only sent me a bill no other paperwork. Told me to go online and set up auto pay. I did that by submitting all my pertinent information. The XX/XX/2020 payment was taken out of my checking. I received a letter saying that the cancelled XXXX XXXX XXXX amount was forwarded to TD Auto. They also stated that they sent the Gap Insurance Payment was sent to the dealer. I was informed by my Credit Card that I had a late charge involving my XXXX alert. I called TD Auto they said that I had missed my XXXX payment. I asked how could that happen when I had set up Auto pay from my checking account on file. XXXX from TD Auto said that a check from the maintenance was not paid. The Auto pay was cancelled so no more fees would occur. She supposedly didn't see all the information and could not give me a concise answer. I was told to contact the one that sent the check. I indeed contacted them and they Sent me the cancelled check with front and back supporting that it was cashed. I see where all of this occurred with enough time to inform me that they cancelled the Auto pay. My credit card said that it was reported to XXXX. Thats was why I called them and was made aware of the above after the late fee and missed payment. I paid what they reported was owed. After receiving the cancelled check I was lied to openly by TD Auto. They cashed the check close my checking account from Auto Pay and reported me to XXXX XXXX XXXX all while they were paid. Since they are not on the same page with their reporting. A look into my file would have sufficed with me waiting for an answer. But they did what they wanted with distributing their information with out contacting me after I submitted all my personal information.
|
| 05/05/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
Older American |
|
I experienced identity theft and notified XXXX XXXX, XXXX XXXX, Target, XXXX and XXXX. They have reported to the credit reporting services that upon investigation, they had decided that I was in serious delinquency even though they knew about the identity theft. After notifying them of the theft, the thief was able to open a credit card at XXXX XXXX under my name and rack up additional debt. I immediately informed them that I did not open this card and had they looked at my account, they would 've been able to identify the continued identity theft. Instead, they took more than {$6000.00} out of my checking account to pay the balance on this fraudulent credit card. And now XXXX XXXX is claiming, I owe them {$3800.00} which is destroying my credit. They also never repaid a penny of the theft which was laundered through my bank account. They only saw the problem when I went into the branch to make an inquiry about my account. XXXX XXXX claimed it was my problem. Target, XXXX XXXX and XXXX claimed I owed an amount that was also part of the identity theft. I provided them with two police reports about the identity theft and a notarized FTC proclamation about the theft. This too continues to destroy my credit. I 've employed many credit repair service to no avail. In fact, they take the debts off my credit report and then put them back on. And XXXX was paid in full and apparently that payment went to a different payment address and it took XXXX three months to get the payment credited to my account. They have put this on my credit report as late payments. XXXX Bank Line of Credit put late payments as " seriously delinquent '' even though I was in a modification of the loan which XXXX XXXX said I did not have to pay until the modification was complete. During the modification progress, XXXX XXXX continued to ask for more and more paperwork which I did provide but nothing happened with the modification until I got a refinance loan and paid them off. No matter what I do, I can not get my credit score to what it was prior to the identity theft.
|
| 10/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American |
|
On XXXX XXXX, I authorized TD Bank to transfer {$280.00} to XXXX XXXX , via TD Bank app `` XXXX '', for the transfer of a Florida DMV automobile title, a XXXX XXXX XXXX.
XXXX XXXX ( XXXX ) advertised his services on XXXX XXXX and to contact him or his Florida DMV contacts at FLHSMV Service Center, XXXX XXXX XXXX XXXX XXXX.
Because of Covid I wanted to do this transfer online in the comfort of my home.
When they emailed me a copy of the Florida DMV Title for the XXXX XXXX, I studied it for accuracy of information and decided to check the Title number with the Florida DMV website and the actual title number I received was active for a XXXX XXXX XXXX XXXX. This proved that this was an obvious scam and fraud to create an official Florida DMV title.
I never received the original title in the mail as they had promised.
I never used the XXXX app before and now I understand that XXXX does not guarantee delivery of services and is thereby aiding and abetting criminals in these kind of scams and fraud. Checking online this is a real problem with XXXX with millions of dollars being lost without recourse. XXXX is owned by a consortium of US banks which is realy troubling.
Further, because TD Bank has this app available on their online website, they are also responsible for aiding and abetting the criminals with international wire fraud and condoning the creation of fraudulent Florida State Documents.
I disputed this transfer with TD Bank, as per attached letter, I don't think they ever really investigated my complaint and they never asked for any further evidence which I said I would be glad to provide.
What I hope to accomplish with this complaint is not only to get my money back, but also stop the sinister relationship XXXX has with the criminals involved. No recourse disclaimer is not a valid excuse for criminal behaviour. XXXX has to be held accountable especially as it is owned by US banks, not somXXXX XXXX shadow bank.
Enclosed some of the evidence I gathered and will be happy to share more if needed.
Yours truly, XXXX XXXX XXXX
|
| 08/30/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
On XX/XX/XXXX I closed an account with TD Bank because it was drained of funds after my debit card was stolen. When I went to my local precinct to report it, I was asked for a copy of my statement from the account. I had to return to the bank a request a copy of last statement since it was removed from my online access.
Once I was able to review the statement transactions for myself, I noticed a maintenance fee of {$15.00} on XX/XX/XXXX. I have requested reversal of such fees in the past since I am normally above the minimum balance. Now TD Bank says it can not reverse the fee since the account is closed. That should not stop TD bank from reimbursing me the maintenance fee. I have 3 accounts with TD Bank. All of my income goes through one of these accounts. In return, I get little or no interest. Banks used to allow automatic transfers between savings and checking accounts when the checking account became overdrawn. Now banks find more and more ways to fine its customers to receive income without any services in return.
I want my {$15.00} back despite my account being closed. I closed the account because I used the debit card for this account for my daily purchases. Unfortunately, banks are not upfront about security with debit cards. I have found out the hard way that banks are resistant to correcting accounts that are hit by Debit Card fraud. Normally, if I catch a maintenance fee I request a reimbursement since I normally keep it funded by my primary checking account.
I am a consumer who is tired of being nickeled and dimed by banks that pay hardly any interest if any through fees so as not to provide any value for their fee income. Im tired as a XXXX American reading how major banking institutions, including TD Bank, charge higher interest for XXXX, even if they have good credit, compared to their XXXX counterparts. I can have nearly {$40000.00} deposited with TD Bank which it uses to make money, but TD Bank still needs to charge me {$15.00} when it is holding thousands of my dollars while paying hardly any interest if any.
|
| 03/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In summer of XXXX, TD Bank first contacted me and claimed that my homeowners casualty insurance with XXXX had lapsed, which it had not. I sent TD Bank on 3 separate occasions the proof that my coverage had not lapsed including a final phone and email conversation with one of their representatives and am cc from my insurance broker with independent declaration pages from XXXX and proof of coverage. It appeared that the matter was settled. TD is entitled to have insurance on the collateral they loan against, but they can't defraud their borrower who already has the requisite coverage in place just so TD bank can earn free money.
Then in summer of XXXX, TD Bank apparently purchased Forced Placed insurance on our primary residence with no basis for doing so and no notice to me. Since state and local taxes have increased, I believe the increase in my monthly mortgage payments were due to local taxes. TD never sent me any confirmation of Forced Placed insurance nor confirmation of coverage as I'd be the beneficiary too, not just TD Bank.
Most banks have been running this same scam and there have been large scale settlements -- except I do not see one with TD which means the regulators simply haven't gotten to TD yet. I am an ex regulator myself having worked for the SEC so I know what I'm talking about.
I only discovered this in the past 2 weeks as we recently sold our home and TD sent us a check and the details of their scam. They owe me unearned premiums of {$9700.00}, plus punitive damages, plus an apology letter.
They didn't even have the sense to set up any redundant policy with the correct coverage amounts so goosed the coverage WELL BEYOND their own loan limits of approx $ XXXX and bought coverage of $ XXXX so that they could earn EVEN MORE on their fraud.
This is a big money maker for the banks ( or was ) and TD needs to be investigated beyond my own claim as my impression is that they are doing this to many other borrowers as well.
Thanks in advance. And I'm still reserving all my additional options against the bank.
|
| 08/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
XX/XX/XXXX I get a call ( that was fraudulent ) from a person posing as TD Bank Fraud Dept. ( I have proof of call logs ). When this person started asking question that seemed suspicious I hung up and call TD Bank Customer Service. I told the operator what was going on and she said those are scammers who were trying to keep you on the phone to keep you occupied to do whatever they were doing. She also stated that I have 15 charges ( different amounts ) on my account ( equalling XXXX ) and that I can't dispute these charges until the charges actually clear. So she cancelled that card I had bending in XXXX and to me to go get another card from your local branch. I left the gym and then proceeded to do that at the XXXX XXXX, NJ TD Bank branch. I gave the Customer service woman my card ( ending in XXXX ) and she discarded the card for me and then issued me another card ending in XXXX ( cameras don't lie, the camera will show me handing over my card that was cancelled ending in XXXX. On the XXXX of XXXX is when I started the dispute process of 15 charges I did not unauthorized. After about a week I realize no money was put back into my account. Come to find out that the claims Dept. denied my dispute claim saying that my chip was used. How can this be when the transactions were used in XXXX at a XXXX XXXXXXXX XXXX. I have never been out of this country ... .EVER!
I have proof that I was here in the US ( at the time of the fraud ) ( I have a passport ) and I have proof that I was in possession of my card because I took the old card to a TD Bank location and received another one. This has been very frustrating because I did nothing wrong at all and they are saying I am responsible some how. My card is always with me at all times and my account had 10x as much as they took from my account which was XXXX. Please help me get my money back into my account. I have a police report, screenshots of call logs and locations and there is proof at the XXXX XXXX, NJ branch that I was inside getting another card less than 30-45 min of this happening.
|
| 11/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I have just learned that my identity was breached and data was hacked through XXXX 's website. I have had ongoing issues with XXXX sending me pings at various times when I personally am not on their website or using any services online. This was the first sign that something was wrong then I kept getting my XXXX card declined because of Fraud again and spent over 35 hours on the phone with them paying extra fees to have new cards expedited to me so I could pay bills. I also noticed on my credit report that my data was distributed on the XXXX XXXX. I am currently in school and will be graduating soon and am also in the market to buy a house for me and my XXXX daughters. I am a single parent who is struggling financially and can not believe I have this many issues with credit cards, that I also had to call and have charges removed multiple times ( 35+ hours ), that is to XXXX and XXXX XXXX over the past year. I am severely affected by all of this and sometimes feel XXXX and XXXX due to the amount of harassment from the credit card companies with no resolve. I chose to walk away and file with a debt management company out of desperation. I don't know where I went wrong until I found out about my data/identity theft yesterday XX/XX/23 on the XXXX website now it all makes sense. And why did nobody tell me earlier this is disappointing and scary! If my data is already being used elsewhere my business is also at risk. I am a business owner and recently signed up on the XXXX and XXXX website that also reported suspicious activity that was unknown but a large amount of unknown information? Where do I get resolve I am only one person work full-time and attend school online ( XXXX ) and am worried my student loans may have been impacted too. I don't know where to start or to end because I have had multiple inquiries on my credit report recently I wouldn't know where to start. This data breach is ruining my chances of ever owning a home or making large life purchases and its not only one card or one loan its multiple accounts please help.
|
| 01/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
At the locate XXXX XXXX XXXX XXXX, PA XXXX, I deposited a {$600.00} stimulus check at the ATM. The ATM did ask me to put in the amount of the check, so I did. The ATM showed a picture of the stimulus check and asked me if I wanted a copy, with or without an image, I picked with image. The receipt reads XXXX XXXX available {$200.00} It clearly shows the stimulus check, and all the numbers on the check, the president 's name, and economic stimulus.
Checked this morning and now it's saying, we could not read the stimulus check, and to call the IRS to get a replacement check sorry!
You never put the check in, so we can't send you anything, or go into the machine, get it out and give it back to you, sorry!
It your own dumb-ass fault Miss XXXX, you listened to our ATM, followed the ATM 'S instructions to also, keyed in the already varied amount of {$600.00}, and got the readable image receipt.
Was also informed that TD Bank could not, would not, get the stimulus check out the ATM, because the ATM machines are managed by someone else, sorry!
The people that manage our ATM 'S come every 2 weeks, came on the day of the incident, oops sorry I don't know what time, we can't reach them, I don't know, sorry!
The staff here is poorly trained and unprofessional, how could you not know your job?
Playing I don't know 's with somebody life.
The bank could have issued me the {$600.00} until this matter was worked out, but did nothing instead.
The IRS inform that they can not send me out another check, I would have to go to the website and fill out a XXXX form this will take months.
I can't buy food, sorry!
I can't pay my light bill, sorry!
Take it up with the IRS, have them send you out another one, sorry!
So I got to go hungry and be in the dark, for 6 to 8 weeks, while they trace a check, yep! and sorry!
I called the branch at XXXX, was told to call the IRS and get a replacement, sorry!
I the XXXX no help either.
Your TD Bank branch people should be fired.
I am without food and can ' pay bills, what am I suppose to do?
|
| 11/20/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I I have a personal checking account a savings account ANd a business checking account with XXXX bank, I have used XXXX bank with other business of mine for over 15 years, TD/ prior was XXXX XXXX. I received a ppp loan in my business account in XXXX with no issues, then received a eidl SBA loan in my business account in XXXX, when I went to withdraw a certified check td bank told me we have to get this verified and come back tomorrow, I came back the next day and they said the spoke to fraud and they confirmed it was a business account and additionally I had provided my load agreement papers, so they unlocked my account and I resumed my automatic payments out of my account and my cpa instructed me if I would like to make it easier if I had a personal Acct transfer funds into there so you better track your loan funds for the sba, so I did that, then few days after they re opened my account I went back for the certified check for employee for work for the past 10 weeks that they didnt get paid for plus a certified check for a wood chipper that Im 6 months behind on payments and in Repo status, and again they locked my account and wouldnt let me take the funds, then they told me a cell phone # to call I believe his name was XXXX XXXX from fraud gsi in XXXX XXXX nj, I called and he was very short with me and said no you cant transfer anything to another account and you used the funds not for what the loan is for, and 6 weeks later all my accounts are still frozen including my savings personal Acct, my checking account and business account with no access to my funds that Im paying interest on for my business which also I received my unemployment in now that I cant work since they froze my account they also took my unemployment! My business have been in business for generations and I find this insane for how they are treating me especially in this time we are living in today! The man from gsi td fraud # is XXXX ( XXXX ) XXXX. That was the guys cell phone # the branch manager gave me to call him and he wouldnt give me the time of day!
|
| 08/10/2017 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
International Wire Transfer Request Date : XX/XX/XXXX Amount sent:XXXX dollars The TD Bank representative assured me that money will be available within 2 days. TD Bank promised to make it available for use of recipient : XX/XX/XXXX The money is still not available to the recipient till date -- XX/XX/XXXX. I have been continuously following up with TD Bank since past two months on it, I made more than 20 phone calls but nothing worked out. throughout this process they have been providing me misleading information about the status of wire. Initially, I realized that they did not have enough knowledge/experience for working with international wires which is causing the delay. There is a lot to tell but to be precise they told me that on XX/XX/XXXX they have sent the money to the recipient bank and TD has put a confirmation tracer on it no sooner it get credit to the recipient account TD bank will get informed and they will let me know. But even after the lapse of 2 weeks the funds were not credited to the recipient bank. First the branch representative told me same story that they have sent the money to the recipients bank. I asked him to provide me some reference number or document as the recipient 's bank told me that they did n't received anything from you.Upon this the TD bank 's representative told me that they even did n't sent the money to them yet. The wire is still with some sort of intermediary bank called XXXX XXXX. It make me to think that it is a fraud/scam which they are committing with partnership of intermediary bank XXXX XXXX. TD bank stressed me out over the past two months.Several time they lied with me that the money is with the recipient bank. accordingly we checked with the recipient bank upon their denial I contacted back with TD and each time and they told me a different story. Now TD bank 's team have started to almost harass me.Therefore, it looks like that they are deliberately want to just steal my money with partnership of XXXX XXXX. Nothing can be worse that TD bank when it comes to money transfers.
|
| 06/07/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
My complaint is about TD Auto Finance. First of all, they always begin their customer service calls by stating that they are America 's most convenient bank. That is a flat out lie. They do n't invest enough in customer service because it is next to impossible to get to the within a reasonable time on the phone ... Unfortunately, I financed my vehicle with these guys. Last year I was involved in a car accident. There was a miscommunication on the part of the body shop in giving me some more time to come up with the money to repair the vehicle. The body shop contacted the bank before our agreed term and TD came to impound the car around XX/XX/XXXX, 2017. The bank never gave me a call and did not notify me. I found out through the body shop that the car had been taken. I contacted the bank to find out whether I can get an extension until XXXX to pay off the amount an redeem the car. Since I had not missed the monthly payments with the bank and due to the unusual circumstances, they agreed to give me until XXXX. I gathered my money and called the bank again in XXXX to make sure that the car had not been sold and to tell them I had all the money to redeem the car. They told me that the car was being held. I proceeded to make the full payment and asked where my car was. The bank then told me that my car is at an auction two states away and I needed to pick it up! After doing some background research, I found out through the vendor that the bank hired to do the delivery of the car that they never put a " hold '' on the vehicle. The vendor confirmed that there was no record of a hold being on my car and that they delivered it to the auction. I reached out to the bank and they were not able to explain why they failed to communicate with the Vendor ... TD AUTO FINANCE is perhaps the worst of its kind. I have had many cars financed through various other financial institutions but by far this place is the worst. I am sure that there are many cases like this. Please investigate these guys, they are hurting consumers with the incompetence.
|
| 11/03/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
By way of background, I opened this account when I purchased a new XXXX XXXX XXXX at XXXX XXXX and XXXX offered interest-free financing. I did not receive any statements by either snail mail or email until XX/XX/XXXX, when I received a statement saying that I owed three late fees.
Turns out that this financing is from TD Bank. I spoke with their representative by phone in order to address and fix this situation. I said that I wanted to pay off the entire principal balance, because this financing was more trouble than it was worth. I said also I was willing to pay one late fee but that the other two late fees had to be removed. On XX/XX/XXXX, I paid a total of {$1400.00} for principal and one late fee.
During the initial call, the TD representative said she could only remove one late fee, and that a supervisor was required for the second. After placing me on hold for an extended period of time, she came back and said that she had not be able to locate a supervisor, but that a supervisor would contact me again if it were not possible to remove the second late fee. My paying the principal balance in full, plus my paying one late fee and they removing one would leave {$29.00} balance pending resolution ( i.e. approval from the supervisor ).
I heard nothing back until a XX/XX/XXXX letter claiming that I now owed {$110.00}. In other words, they were now charging late fees on the late fee they claimed was outstanding.
I has spoken with their representatives at least four times since then. They say that they can not resolve anything. I wrote to them disputing the charges and they have rejected my dispute, simply saying that the credit agreement allows for this.
They have made disparaging remarks to the credit bureaus and they call several times each week. The people who call do not know anything of the history or discussions I have had with TD Bank to date.
This is the worst finance company I have ever come across. Hard to imagine that XXXX uses these people or that a company like this can even exist in today 's world.
|
| 12/08/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
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Web |
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Since XXXX XXXX I have been trying and dealing with charges we did not make on our Target Credit Card. Targets self check out system has added multiple purchases to our card-some 3 charges a day and back to back days on products we have never bought and would never buy.
I have tried calling a XXXX XXXX, who at first sent me a letter saying the charges were removed and make it seem like they fixed the problem. The person I spoke informed me there was no XXXX XXXX that worked with Target credit card services.
Here are the charges we have faxed over 3 times, yet were told were never received : XXXX XXXX {$38.00} XXXX XXXX {$16.00} XXXX XXXX {$23.00} XXXX XXXX {$10.00} XXXX XXXX {$5.00} XXXX XXXX {$29.00} XXXX XXXX {$3.00} XXXX XXXX {$73.00} Also everytime I have called I have explained when I go to sign in, it says session has timed out, please resign in, so I try and resign in, only to get the same message.
The last time I explained this, I was rudely told I can not access my account because my account is past due.
This letter makes it sound like I should easily be able to access it, yet on the phone Im treated rudely saying my account is frozen because its past due?
Also interest and finance charges keep being added to my " open account '' which is illegal to add these charges when there is a dispute on the incorrect charges.
These charges added on need to be removed along with all of the interest and finance charges.
My credit is perfect and we have never had outstanding credit card balances. My only mistake was being talked into opening this target credit card-which has been a nightmare to do with. I should have read the thousands of other peoples reviews of having this same issue happening to them. My question is why is target allowed to do this to people?
How does a consumer get help for this?
Sadly after desperately trying to seek help, I have found I am one of thousands and thousands Target does this too, thereally has to be a way for seeking help without having to pay for a lawyer, when we did nothing wrong.
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| 02/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
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Web |
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I went into the branch near by my employer to withdraw {$40.00}. The teller informed me I didn't have enough funds available. I spoke with XXXX XXXX, who had informed me that I somehow had been enrolled in their " Debit Card Advance '' program, meaning even if I do not have the funds to cover my transactions, the bank will cover the charges for me and charge me a {$35.00} fee each time. I thought this was odd considering I experienced a huge problem with this program in the past and was certain not to be enrolled, but I kindly asked Mrs. XXXX to un-enroll me from that option, she stated she had. Just a couple days later ( only 24 hours after my employment direct deposit was made in the total amount of {$950.00} ), my card was declined at a local grocery store. I attempted to check my account via my TD Bank Mobile App and I received an error of " too many login attempts, try again later ''. This was strange, I use " face recognition '' to login. I was unable to view my transactions all weekend. I called the number on my card and was on hold to speak to a rep for over 114 minutes each 21 times I called. The following Monday I went into the XXXX branch yet again and spoke with Mrs. XXXX yet again, and she had informed me that I was again, enrolled in the " Debit Card Advance '' program ... ... AGAIN! She un-enrolled me and informed me there was nothing they could do regarding the fees acquired and recommended I contact the number on the back of my card. I did and they refused. Still unable to view transactions I asked the rep how much the fees totaled, he replied : {$230.00}. It wasn't until yesterday ( XX/XX/10 ) when I was finally able to log on to the mobile app did I see the actual amount of fee 's I was charged for. In a 7 day period I was charged {$930.00} in overdraft fees!!! I have spoken to the reps inside the branch itself and via " XXXX '' number, including supervisors. They all refuse to credit me back the obscene amount of fees they CONTINUE to charge me. I have captured screen shots and statements of everything!
|
| 02/19/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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On XXXX/XXXX/XXXX Target the account was transfer/Sold to XXXX XXXX Debt Collector. XXXX XXXX tried for a year to collect on a Debt I was in disagreement about the amount. XXXX XXXX was not able to come up with documentation on how I owed XXXX. I was told by FTC that they must produce documentation on this debt I owe. I call Target and they was not able to give information on debt. The XXXX creditors took this debt off my credit report. On XXXX/XXXX/XXXX a default judgment was place against me and on XXXX/XXXX/XXXX I went to court about XXXX XXXX XXXX garnish my bank account. The judge place a judgment against XXXX XXXX for the debt and to immediately release all withheld funds to plaintiff and shall continue withholding and payment of funds as previously order by the court. On Transunion Credit report the Target the date it was open was on XXXX/XXXX/XXXX, date of last payment was supposedly been XX/XX/XXXX, the last payment was XX/XX/XXXX, I had a credit limited of XXXX my argument with the XXXX creditors was how could I charge XXXX in 7 months. Target was not able to produce any information so the credit companies took it off my file. XXXX XXXX buys the debt from XXXX XXXX. XXXX XXXX files a Summon and Complaint against me on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX the summons expires. I find out about this lawsuit on XXXX and was not able to go present my side because I was not properly served by the officer of the court. I went in and put in a motion to set aside the default judgment and the judge denied giving me another court date. I done my research and XXXX XXXX XXXX is the subsidiaries of XXXX XXXX XXXX , XXXX who was sued for fraudulent behavior and my intuitive spirit keep telling me the paper work XXXX XXXX XXXX paper work that was given to me is not correct because the target account number is blot out with a black marker and the XXXX XXXX XXXX XXXX is blot out with a black marker and that seem unprofessional and suspicious to me. And the affidavit do n't state how they came up with the amount I owe on this debt.
|
| 01/24/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
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|
Web |
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I bank with TD Bank and have my mortgage, checking and savings accounts with TD Bank. When I moved from one address to another, I updated my address by calling TD Bank 's customer service, however, the agent failed to update my address for mortgage account while he updated it for my savings and checking account. TD Bank received undelivered mail for my mortgage account and never bothered to inform me through email or phone both of which they have available. In the meanwhile, the monthly mortgage payment went up from {$1000.00} to {$1000.00} due to change in escrow, hence increasing the payment by {$22.00}. I had an automatic payment set up from my TD Bank checking account to TD Bank mortgage for {$1000.00} monthly and was never made aware of the change in payment. I happened to see the change XX/XX/XXXX, almost 8 months after the change and called up TD Bank. They had by that time charged me several fines of {$33.00} each, used my payments for payment of additional principal pay downs and in ways that even customer service agent also could not fully explain what the algorithm used for my payments. In any case, I brought myself up to date by paying the fines and made the additional payments in XX/XX/XXXX and requested that I be paid back the fines and my credit report be corrected. I have maintained a large balance in checking account at TD Bank and there was always sufficient cash available in the account to pay the additional {$22.00} per month. Since I have been a customer of TD Bank for over 8 years, I thought it would be a simple thing to get my credit corrected and fines credited back to me after the bank looks at the circumstances. However, TD Bank refused to do so. I strongly believe that the issue arose because of their customer service agent 's mistake and second because they failed to inform me when they were getting my mail returned to them. I would appreciate if you will take up the matter with TD Bank and have the matter sorted out. I would like to have fines returned and most importantly my credit corrected.
|
| 03/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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When retrieving my credit report of XX/XX/2019 on XXXX I noticed irregularities which led me to find out I am in fact a victim of identity theft. There has been several charges made on multiple credit cards of mine and then finding out of new accounts that I never opened. I did NOT make these transactions nor open any new accounts. This was definitely a direct result of identity theft. It has now come to my attention that my former roommate, XXXX XXXX with whom I moved in with after separating from wife, XXXX XXXX on XX/XX/19. XXXX has called several furnishers to retrieve information and opened new accounts without my consent. XXXX preyed on my emotions at a very vulnerable time and as soon as I started to suspect irregularities in my financial portfolio, she took her son out of school and moved to XXXX XXXX, NV, I believe living with a grandmother that resides there. I have read The guidelines for the procedure by the FTC and have taken all measures necessary. In addition, I filed 2 police reports in both towns I live/lived for theft and fraud, have put fraud alerts on my credit report with all 3 bureaus, informed all necessary parties of the identity theft and have written letters to all furnishes and the bureaus. As a direct result of this I have lost {$50000.00} and have had hundreds of inquiries falsely made under my name. Today I still receive calls from debt collectors and loan officers. It has been a horrific year to say the least. I have ignorantly now fully educated myself on cyber crimes and the measures one takes to secure and recover their credit. I hope that I am given a refund for the money that the individual has stolen without my consent and my credit report will be corrected appropriately. I also would like to let people know that you dont know when it may happen or even if it will happen at all to you so now being a victim of identity theft I can only suggest to everyone to educate yourself on identity theft and take action to protect yourself. And hopefully together we can fight against cyber crimes.
|
| 01/03/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
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XX/XX/2017 I tried to check my balance via mobile app. I know my user name and password but on the first attempt got an error message telling me the maximum number of attempts have been made call XXXX. I call 25 minute wait time. I go do other thing call again, wait the twenty minutes and get a recording telling me I " ca n't be verified online, on the phone or in person ''. I drive to a branch and the teller inside says she has heard from many people today about this and the wait time is long. I ask if they have been hacked. No answer to that. I explain I just want to know what my balance is, want to be able to access my account online and she verifies me with my state drivers license, recent deposit and i suppose the fact i have my account number memorized, and she writes down the balance for me. I ask if I go to the atm, pointing to the drive thru behind her, will it eat my card, or when I go to use it will it be declined at merchants today, she says no. So I am all set, except the next day when I try to log in, I get the same error message. I call, long hold times. I wait for a person to pivot up. I have never been so rudely treated by not one but two employees. The problem is yours, TD, verified after I went out of my way Sun to go to a branch and confirmed there that your system was having problems. XXXX in small business in Maine office, as a manager who was to help after the offensive XXXX, did nothing to help, but piled on more abuse. I can not tell you the answer to a specific security question you are asking, but I can tell you many more things and did. Like the monthly check deposited on the XX/XX/XXXX every month each the amount. Or how frequently my employer deposits. Seriously, you have only one security question of your making not mine that I ca n't answer. I do not recall who I last made an ACH payment from this account because I do many in a month and have more then one bank I do this with! So here it is now Wed and I so have the same error message on a single correct attempt to view my account online.
|
| 09/24/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
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On XXXX XXXX, XXXX I completed a XXXX XXXX XXXX application with TD Bank ( US ) store # XXXX. I subsequently received notification that the loan amount requested was denied and an alternative amount was offered at a much higher interest rate and much less favorable terms. Upon looking into this matter it was revealed that the appraisal on my property was factually incorrect and that contributed to the issue above. Specifically the appraisal did not include an additional bedroom/bathroom in the home and was also understated in terms of livable square footage. Upon my notifying TD Bank they stated that their policy is not to do a reappraisal unless I could prove the house was 10 % larger than what they valued it at. I conveyed to the bank that this was unfair ( if not against fair lending regulations ) and I requested that this matter be escalated to senior management. After weeks and eventually months of back and forth with the bank, including providing photos, copy of building permit application information ( including square square footage calculations ), copy of town final inspection/live able approval, and other requested documentation I was informed that the bank would not correct the appraisal for an accurate valuation of my property. They reverted back to their subjective policy of putting the burden on me the consumer of demonstrating that the original valuation was understated by 10 % or more in terms of square footage which put me in an impossible circumstance since the original appraisal was within 10 % of the square footage but did not include the correct number of bedrooms/bathrooms and was still understated on the square footage - factors which are a core valuation input and which will make a material difference in the qualified loan amount. I was informed of this final decision on XXXX XXXX, XXXX. I have a current XXXX XXXX XXXX with the bank that is XXXX the amount they counter offered I have a perfect payment history and a credit score that is over XXXX per the TD Bank own credit check and records on me.
|
| 07/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
|
Twice I have closed my TD account this year. The first time, I was emailed and sent a letter that my checking account was closed only to find out that I had over {$35000.00} in the account.
I recently closed it again, with another letter stating my account was closed. I also closed my Visa card. I recently moved and asked what was my total charges on the Visa card. I was told that it was around {$12000.00}. I paid the full amount due and cut up the credit card.
I then find out from TD bank that I still had about {$23000.00} in my checking account and finally spoke with a specialist after I told them that I was filing this report if they did not wire my money into my XXXX XXXX in XXXX XXXX NJ. They wired {$16000.00} into the account the following day so I though that was that. It takes forever to get an associate on the phone and after waiting 1hour and 47 minutes on hold, I hung up.
What prompted the call last night was an email I received that they are sending my XXXX car payment of {$1200.00} out tomorrow. That was my second notice on that. I tried calling four times and emailed them twice. I am now on hold again at XXXX for 22 minutes.
This has been notorious behavior by TD bank in this area which is why they are closing at least 16 branches in the area. I had both a business account and a personal account with more that $ XXXX dollars in the two accounts. I couldn't even get {$10000.00} dollars out without waiting nearly a week, and I quote, " for the truck to come. '' Not only that I was told to call first because, and I quote agin, " you never know if the truck might break down. '' This is a known problem with many people I know as well as the constant line of people in the various branches around here. They closed the inside of a local branch on XXXX XXXX and an older man had walked to the bank to get some money out and he couldn't so I gave him money to get a taxi and at the same time another person asked if he could get to " gift cards '' because he couldn't get any of his money out either.
XXXX XXXX
|
| 03/01/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
On Thursday I opened an account online with TD Bank and was approved. Before, every time I applied I was always denied because I owe them from an overdraft account years ago. Following that I received a letter in the mail saying that my account was one of the accounts listed in the TD overdraft settlement, and I put in my claim for it months back. In early XX/XX/2020, I called TD recovery department and asked for the owed balance to be settled, I was offered {$200.00} by XX/XX/XXXX, I agreed with that price. On XX/XX/2020 I walked into the TD branch in XXXX, FL to seek assistance and letting them know I just opened an account but I would like to pay whatever I owe first that way I wont go through any hurdles maintaining my account. I told the assistant manager, I dont remember his name, but it was a busy day and he took me and I gave him my ID, and he ran me through TD systems and verified that I did not owe anything to them, and he instead to verify and he called TD security to make sure everything is okay. He said he see nothing that I owe again, so I told him about my taxes and I needed somewhere local to store the funds, he told me to open the account. I opened it, deposited {$100.00} in my checking and {$20.00} in my savings, and was given a debit card. Then I came later that day and deposited {$300.00} into the atm because I didnt want to have too many cash on me. Friday passed, Saturday, I tried using the card for XXXX, it didnt work, XXXX XXXX, it didnt work. I called td to ask why its not working. I was told the account is not activated because the security team put an alert on my account from past due. I cant use my card at all with {$390.00} on my account with them that I just opened. I had to ask family for money to get where I needed to go because I was able to log in the app and there was funds shown. This is really emotional because I could have paid them the settlement of {$200.00} but I was told its was no past due accounts found. This is a horrible time for it to happen while trying to pay for bills.
|
| 08/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American, Servicemember |
|
In viewing my monthly TD Bank statement, I noticed a posting ( XX/XX/XXXX ) of {$900.00} that I wasn't aware of. I called customer service immediately and disputed this transaction. The rep. was helpful to what steps I need to take in which I would need to file a claim. I went to my TD Bank and spoke with XXXX XXXX ( XX/XX/XXXX ) about the problem and began to do the paperwork submitting the fraud claim. XXXX XXXX mentioned to me that the funds would take a few business days and it needed to be posted first, in order to receive the credit. amount. On XX/XX/XXXX, I received a letter from TD Bank stating due to their findings that I ( XXXX XXXX ) authorized, benefitted, consented from this transaction, and I was denied and if my account was credited it will be reversed on ( XX/XX/XXXX ). On ( XX/XX/XXXX ) again, I spoke with TD Bank rep. and this time the rep. said to call XXXX XXXX in which I did and spoke with XXXX XXXX in the fraud dept. She traced the name to a XXXX XXXX in XXXX. I ask her for documentation so I can give TD Bank. On XX/XX/XXXX I followed up on my claim XXXX XXXX and spoke to XXXX XXXX. As our conversation continued he explained to me what steps I needed take. He suggested that I should file a claim with the following agencies : FTC and XXXX. That I did. On ( XX/XX/XXXX ) I went back to TD Bank with all of my paperwork and did meet with the bank VP/Manager XXXX XXXX XXXX XXXX Paperwork included : Letter to TD Bank Corp Headquarters, FTC filing and IC3. On ( XX/XX/XXXX ) received from TD Bank Branch, South Carolina, spoke to XXXX XXXX and I notified her that will be filing a new claim. She said it probably get denied again, but I can try. The new case # XXXX. The old case # XXXX. The XXXX XXXX case # XXXX. As of XX/XX/XXXX, received 2nd letter stating they denied my claim, TD Bank said, they have my name and address and telephone regarding this transaction, I said, what about my mother maiden name for proof and my father 's or my dog. Scammers can get your name, address and telephone off the website.
|
| 12/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
I went to ATM after hours after picking up kid from XXXX, XX/XX/XXXX at XXXX in XXXX Vermont XXXX I needed to deposit tips from the weekend, most of my income is in cash. I deposited XXXX XXXX 's ; XXXX fifties ; and XXXX XXXX dollar bills, for a total of {$400.00}. I'm absolutely positively certain of this, I live on my cash tips. I knew what I needed in account to cover checks i mailed. I immediately see error come across screen, then option to do a, forced deposit, which I had never heard of before this instance. The machine never kicked out my funds while I was present. I typed in exactly what I know for fact I deposited, and thought it would put funds in account. I visit same branch ATM again XX/XX/XXXX, see {$400.00} deposit ( credit ) then a {$300.00} debit, they took funds back out. I went in bank and spoke to Assistant manager, XXXX XXXX, who said she would file complaint or claim, and she told me " this particular ATM does not like big bills '', such as fifties and hundreds after I told her I size of bills deposited. It was quite clear ATM deposited my XXXX XXXX 's, and did who knows what with the {$300.00} balance in bigger bills. I was told funds would be taken care of but it may take 10-15 days. ,10 days later nothing happened, spoke to XXXX XXXX again XX/XX/XXXX and she states Audit of ATM was recently done XX/XX/XXXX, I should have my funds soon. I received a letter today XX/XX/XXXX stating their investigation is complete and they say I basically lied or tried to benefit from this forced transaction and they or the ATM vendor are stealing my money and not going to fix mistake they created. I would not escalate this situation unless I felt I have been wronged and I feel I was robbed by that machine and don't understand why nobody can check a camera from that night and how is {$300.00} just lost in a machine and nobody can find it? I felt compelled to go above and beyond the company, they obviously don't have my best interests in mind, I will not accept having my hard earned money stolen, by my own bank.
|
| 11/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
We have had a business account open with TD Bank since XXXX of XXXX. Being small business owners for the moment we have pretty much only used this account for deposits from our customers and since we don't do any business in winter never used it in that season. When we opened the account TD Bank linked our business account to my husband 's personal account to avoid the maintenance charges of {$25.00} a month. My husband didn't pay any attention to the fact that TD Bank started charging him the fee in XX/XX/2022, resulting in {$300.00} of our money they had taken, which was up until I took charge of the account XX/XX/XXXX and noticed all the charges throughout that year up to current. Once I went through and noticed it I started calling to rectify the situation. I spoke to tellers XXXX and XXXX about it, they both informed me that due to an update in TD Banks system my husband 's account and many others became unlinked. XXXX XXXX is aware of this mistake also and refuses to make the situation right by refunding us our money. Moreover there was enough in the account a few months after it became unlinked to avoid the maintenance fee and TD continued to keep on charging our account. I checked today and we are still owed another {$150.00} as I received another {$25.00} credit yesterday XX/XX/XXXX. I spoke with a customer service rep on XX/XX/XXXX who informed me that since the fault is on their end they are obligated to give the refund and the branch manager would have to do so as he was only authorized to give {$50.00}. XXXX called me back XX/XX/XXXX at last to say it was my fault for not paying attention, she did us favor and then again today XX/XX/XXXX to say she did us a favor refunding us an extra month and that it was our fault pay attention next time to our statements. We didn't authorize them to charge our account the maintenance fee nor did we agree to take responsibility for an error in their system resulting in us losing that money. Any help to recover what we are owed by them would be appreciated. Thank you.
|
| 10/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XX/XX/23 Opened XXXX XXXX XXXX at a store location through customer service.
I never received the credit card or credit card statements.
XX/XX/23 I contacted XXXX XXXX card services to report that my credit card was never received. Customer services representative updated my address on my profile. The address on file was incorrect, so the credit card and statements were going to the wrong address. Customer service stated that my account was more than 30 days past due. I immediately paid the account and requested that the late payments and late payment reporting be removed from my account and credit report. Employee refused to give me any confirmation number of action or their employee ID number XX/XX/23 TD Bank XXXX XXXX XXXX XXXX sent a letter stating that all reference to late payments have been removed and removal has been reported to XXXX, XXXX, XXXX and XXXX.
XX/XX/23 XXXX XXXX XXXX XXXX XXXX after contacting all four credit bureaus because the late payment reference had not been removed from my credit report. Customer service representative stated that they would send the information to remove late payment reference. Employee refused to give me any confirmation number of action or their employee ID number XX/XX/23 XXXX XXXX XXXX XXXX XXXX again because because late payment reference still not removed. Customer service representative stated they would review my account again. I requested the employee 's ID number. Employee refused to give me any confirmation number of action or their employee ID number. Requested to speak to a supervisor, who also just stated that they would review my account. Supervisor refused to give me their ID number. Supervisor would also not transfer me to a higher level supervisor. The supervisor, XXXX, stated that she would sent the request to all credit bureaus to remove the late payment charge. She would not confirm that I would receive a response from XXXX stating that such action was taken, nor would she provide me a confirmation number or anyway to follow up on this outcome.
|
| 02/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Without any prior notice, TD Bank has frozen my account and not allowed me to make deposits or withdrawals. Since I opened this account, TD Bank has not sent me ONE single paper statement or allowed me access to my online accounts. They have hit me with numerous overdrafts fees and sent me no letters about these fees. In fact, the consumer agreement sent to me when the account was opened does NOT reflect the overdraft patterns. My attorney and I have already taken notice of TD Banks recent fines by the Federal government for misleading overdraft abuses against consumers. Back in early XX/XX/2020 I requested to have these overdrafts turned off and despite this TD Bank claims there is no such record that it was turned off and claims it was turned ON. This is an impossibility as the account was opened with overdraft services on. The lack of access to my account balance including through automated phone services has made it incredibly difficult to track TD Banks dishonest and abusive overdraft patterns.
If this freeze has anything to do with a prior checking account and credit card fraud from two older TD accounts, I would remind TD Bank that I have all documentation kept from those accounts in which TD Bank cleared me of any responsibility of those debts because of the fraud. And I have documentation from TD Bank acknowledging the fraud occurred because of a TD Bank error.
It seems very clear to me that TD Bank continues to use abusive behavior that targets the consumer and attempts to back up its dishonest claims by using incomplete account notes from many different customer service representatives from a myriad of departments. Defaulting to any such notes to justify this abusive behavior is unacceptable Let me also make it clear : I do not care what records you have of any letters you have sent, paper statements included. I have never received them and yes my address on file is correct. I am legally entitled to these and shouldnt have to stop in a bank every single day to make sure TD Bank isnt stealing my money.
|
| 03/20/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
I am currently dealing with a case where one of my checks from TD Bank that I sent in the mail was physically altered and cashed into a different account. The bank has not been responsive to me.
On XX/XX/2023, the rent check for {$5200.00} that I sent in the mail from my TD Bank account was cashed.
On XX/XX/2023 I was informed by my landlord that the check had not been received.
After checking the digital records on my TD Account, I noticed that the check had been altered to have a different recipient, and cashed into a different account.
I immediately contacted the fraud department at TD Bank and filed the claim. The representative on the phone saw the digital record and agreed that the check had clearly been doctored. However, since I live in XXXX, I am unable to resolve this by going into a branch.
I was advised to fill out a notarized affidavit in order to get the process started. TD Bank informed me that they would mail me the affidavit to fill out on XX/XX/XXXX.
By XX/XX/XXXX, the form had not been received, so I called my local branch in Pennsylvania, who was able to email me the form. The mailed copy still has not been received to this day.
I filled out, signed, and notarized the affidavit that was emailed to me, and sent it to the TD Bank 's GSI department on XX/XX/2023. Since then, despite making numerous calls I have received absolutely no information about the status of my case. The bank is not being responsive to me.
I've called the fraud department at least five times at this point, most recently on XX/XX/2023 and TD Bank continues to not give me any information on my case or even confirm that the affidavit has been received.
I am worried for my personal sensitive information that was on the form, and I am worried that I will never be able to recover the money that was stolen from me. The fact that I can not even get a status of my claim, let alone a confirmation that my affidavit has been received is completely unacceptable.
Thanks in advance for any help you're able to provide.
|
| 02/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
In XXXXXXXX XXXX XXXXXXXX, I opened a secured Visa credit card with TD Bank by depositing {$5000.00} into a TD Bank Savings account. I have never paid late, nor have I ever had a returned payment. I spent just over $ XXXX on the card, used it responsibly and have had a XXXX balance for the last several months. In XXXXXXXX XXXX XXXX, my credit score shot up XXXX points to XXXX and has remained at this level for the past 5 months, however the card is still " secured '' and my deposit is still frozen. I called TD customer service in approximately XX/XX/XXXX to inquire why my account is still secured and was advised its reviewed monthly by their computers, but the Rep. indicated she would " email upper management to manually review my account ''. After waiting a month with no response, I called in and spoke to another TD customer service rep. who advised he saw the notes in the account about emailing management, but was unsure who or what department the message was sent. This rep. also advised that many customers " get tired of waiting and just apply for a new unsecured card and get approved, then close their secured card and have the deposit returned ''. In the past 5 months, I have been approved by other banks including XXXX and XXXX XXXX for their luxury cards with high limits all with no issues due to my now high credit score. I called into TD again today ( XX/XX/XXXX ) and spoke to a rep. in the credit card department and was told there is nothing I can do other than wait. I feel as though TD Bank holds onto customers deposits as hostage for much longer than necessary. In the last 2 years I've twice had to pay their annual fee, and have paid them interest .... but TD Bank has paid me {$1.00} in interest for my $ XXXX deposit. I believe TD is engaging in the unfair practice of holding onto the deposits from secured accounts even after such accounts should no longer require secured status. This is an unfair business practice in which TD holds onto these deposits so they can profit at the expense of its customers.
|
| 02/08/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I was recently a victim of consumer fraud, and I have been unable to get any relief from the consumer credit company, TD Bank/TD card Services. I am a customer of XXXX XXXX XXXX and have an established credit account ( recently closed ) with TD Bank who finances the transactions for them.
In XXXX of 2020 I received a bill from TD Bank for {$1700.00} for merchandise purchased from XXXX XXXX in XXXX, SC on XX/XX/2020 ( invoice attached ). Note that I have never patronized the XXXX location because I live in XXXX and have only shopped at the XXXX store.
Someone impersonating me with my identification information fraudulently purchased merchandise using my credit account. They signed the receipt and drove off with the merchandise. I have subsequently formally disputed the charge on 2 occasions and have provided to them all required information and forms to TD Bank, all attached. I have also filed a police report with the XXXX, SC Sheriff, Case number available upon request. Unfortunately, this type of petty crime often receives little attention.
I visited the XXXX XXXX store in XXXX, SC, and interviewed the salesman, XXXX XXXX, who worked with the impersonator. He acknowledged that I was not the person he worked with. Because I have a strong suspicion of who might have knowledge of my personal information and who would be able to successfully impersonate me, I showed XXXX a picture of my sister. He positively identified her with 80 % certainty as the person who he worked with on the transaction.
Both TD Bank and the XXXX police have all of this information. Yet, TD Bank, XXXX XXXX in their Fraud Department XXXX, insists that I am still responsible for the transaction because a signature was written on the bottom of the receipt/invoice attached. The signature is not mine, and it bears no resemblance to my signature that both TD Bank and XXXX XXXX should have on file.
Can you please help me with my dispute of the {$1700.00} charge? I clearly did not purchase the merchandise and did not sign for it, Thank you.
|
| 09/22/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I have been repeatedly getting spam mail from TD Bank for the past 3 years.
I first complained about the spam mail to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX ( Complaint # XXXX XXXX.
At that time, TD Bank responded to the CFPB complaint by claiming I could permanently opt out of all spam mail from them by using a link they provided in the response.
So, I used the link they provided in the response to permanently opt out of all spam mail from them.
But then, in XX/XX/XXXX, I once again started receiving the same spam mail from TD Bank as before.
So, I filed another CFPB complaint about the same issue on XX/XX/XXXX ( Complaint # XXXX XXXX.
This time, TD Bank responded to the CFPB complaint by claiming they had permanently removed my name and address from their mailing list to completely stop all spam mail.
But then, in XX/XX/XXXX, I once again started receiving the same spam mail from TD Bank as before.
So, I filed a XXXX XXXX XXXX ( XXXX ) complaint about the same issue on XX/XX/XXXX ( Complaint # XXXX ).
This time also, TD Bank responded to the XXXX complaint by claiming they had permanently removed my name and address from their mailing list to completely stop all spam mail.
But then, in XX/XX/XXXX, I once again started receiving the same spam mail from TD Bank as before.
So, XXXX re-opened Complaint # XXXX about the same issue and asked TD Bank to respond to it.
This time also, TD Bank responded to the XXXX complaint by claiming they had permanently removed my name and address from their mailing list to completely stop all spam mail.
Last week, I received the same spam mail from TD Bank which I had received before on several occasions.
Under the CAN-SPAM Act, once a spam recipient opts out of spam sent by a sender, the sender is legally requited to honor such an opt-out request.
But instead of complying with the law, TD Bank keeps blatantly lying ( in their response to every complaint ) they have honored the opt-out request when, in fact, they have done no such thing.
|
| 11/26/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I opened an account with TD Bank somewhere around XXXX. Because there were irregularities with how the bank opened/managed my financial information, and utilized my funds, I decided to close the account. The closure status date was XX/XX/2015.
TD Bank agreed to a settlement after lawsuit involving clients who incurred overdraft fees. See TD Bank Overdraft Litigation { https : //www.tdbankoverdraftclassaction.com } I was added as a participant in a class-action lawsuit, under the class member status of Financial Regulation E and XXXX XXXX XXXX. Essentially, this class involves clients who were charged high-interest rates and had issues with debit card/financial transactions. Each class represents a different claim or situation with TD Bank.
My account XXXX incurred overdraft fees and sustained overdraft fees during the beginning of XXXX While I contacted TD Bank for a copy of my statements, I have been denied access to these documents. I have been told to go to the nearest branch, but when I requested these documents at a branch ( XXXX MA ), I was told that they do not have access to these documents. The account was reported to debt collection agencies for a charge-off amount of {$430.00}. Some of these debt collection agencies no longer exist, and I don't know how my financial information was sold or used.
The account was closed, after I deposited a check at TD Bank on XXXX XXXX XXXX, XXXX, MA XXXX during the early months of XXXX. The ATM machine swallowed my check, and I was unable to deposit money into the account. While I freaked out that my deposit check was stolen by the ATM machine, the staff told me that there was nothing they could do, and was asked to leave the setting. This made me overdraft my account, because I was unable to fix a negative balance. I was frustrated that I was charged overdrafts after the ATM swallowed my check, and the staff refused to help me. Further, having no funds, I was unable to fulfill pending charges and my account was reported to XXXX for : Overdrafts, Account Abuse.
|
| 02/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Company : TD Bank Claim : Fraud Amount : {$300.00} On XX/XX/XXXX, I contacted TD through secured messaging about a {$300.00} checking promotional offer I signed up for earlier in XXXX that wasn't paid but for which I was eligible and later qualified through required activities, according to the terms of the attached screenshots I captured during account opening. After a few emailed responses, I received the final on XX/XX/XXXX, which claims the terms on record for the promotion don't match the terms that were advertised when I signed up for the promo.
My offer is eligible for customers without a checking account in the past 12 months. TD claims the offer was eligible to customers who have never had a checking account. TD confirmed I last closed a checking account in XXXX. The small print is clear that " within the preceding 12 months '' is the threshold for the offer running XXXX XXXX, and my last account was over 36 months prior.
I asked customer service if it could offer an email address that could accept file attachment ( screenshots of TD 's offer at the time ) and escalate this concern. They declined to provide one.
After searching online, I found TD 's primary complaint department email address and sent it my screenshots file in late XXXX, asking them to read the file and determine why the promotion was not paid. I was promptly redirected from its XXXX offices to its US offices, sending the same email and attachment on XX/XX/XXXX. There's been no response for over three weeks except to initially say they're very busy.
I'm alleging fraud because though TD typically runs an offer that's eligible only to those who have never had an account. This offer was unique. Had I not been eligible I would not have opened the account. Later, had TD acknowledged an error in the offer terms, I wouldn't think it were an intentional misstatement ( and I wouldn't need to file this complaint ). However, due to the initial denial and subsequent silence despite visual timestamped proof, it seems an intentional action.
|
| 04/07/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
I ordered a TV from XXXX XXXX in late XX/XX/XXXX and paid for it using XXXX XXXX ( TD Bank ). When it arrived, the screen was damaged so we received an XXXX to send it back, we also ordered the same TV again. XXXX XXXX received the TV on XX/XX/XXXX which I confirmed in a phone call with XXXX XXXX. I inquired about the refund and they said it would process in 7-14 days. The charges still appeared on my XXXX XXXX ( XXXX XXXX ) account so I called XXXX XXXX again but they did not have any information because the warehouse processes the refunds and they only communicate using a computer system. I submitted a dispute for the transaction on the XXXX XXXX website on XX/XX/XXXX and followed up on XX/XX/XXXX but they could only say that the back office department was reviewing. I received multiple letters between XXXX and XXXX ( no company name or address on the letter, just Customer Service Department XXXX XXXX XXXX, XXXX, NJ XXXX ) stating they were working to resolve my claim. The last letter dated XX/XX/XXXX was actually on TD Bank letterhead ( XXXX, NJ ) and stated they are still investigating my dispute claim. I called XX/XX/XXXX after receiving another statement showing the charges had not been removed. I spoke with XXXX who said that XXXX XXXX ( XXXX XXXX ) had still not received a response from XXXX XXXX to confirm I had returned the merchandise. I asked to talk to a supervisor and XXXX was very rude and told me they couldn't refund my account because XXXX has the money and gave me some spiel about their agreement with XXXX. I expressed my frustration that it should not take this long when a simple call to XXXX would confirm the merchandise was returned. After talking to TD Bank, I called XXXX and talked to XXXX who confirmed that the TV was received XX/XX/XXXX and could not tell why the refund had not been processed. I was again told that there is no way to talk to the refund department but she would submit an escalation. This is definitely the worst experience I have had with a retailer and finance company.
|
| 09/18/2016 |
Yes |
|
|
|
Web |
|
|
I had previously written to the CFPB about Target with case # XXXX. At that time, I was issued late fees to my Target Red Card account despite payments. On XXXX XXXX, 2015, I made a payment to my Red Card account. Despite my payment, in XXXX, I was issued a late fee on XXXX/XXXX/2015. Then, I made another payment on XXXX/XXXX/2015 ; I was again issued an even greater late fee on XXXX/XXXX/2015. I made payments in both XXXX and XXXX 2015, but I was issued late fees in XXXX and XXXX 2015. would like these reversed immediately, including any interest charged in the months since on these disputed fees.
The latest frustration is a further continuance of Target 's inability to work with customers who are making good faith efforts to pay their accounts off. The statements are not written until the XXXX or XXXX of each month. I have paper statements, which means I do n't received them by mail until XXXX. Then, payment is due by the XXXX of each month, giving me only about a week to receive the bill then mail out payment. My XXXX XXXX statement reflects this problem. On XXXX XXXX, there was a payment due. Target received its due payment on XXXX XXXX. Target does not offer a grace period, but assessed a late fee, despite the fact I had made a good faith effort to pay, I had paid the previous month on the XXXX, and the prior month I had paid four times the minimum payment due. I got assessed a late fee on both my XXXX and XXXX statements. I guess my problem with this is that I am being billed {$70.00} in late fees over two months despite the fact a payment was made. That {$70.00} is the same fee as if I did n't send in any payment at all. I have been double-billed late fees. I have been trying to pay down this account ( it is leess than {$100.00} due on the account ) but the problem is that Target 's late fees are so expensive, I have n't been able to simply pay off the principal balance because of these out of proportion late fees that Target simply wo n't budge on. It is why I have left Target as a consumer for good.
|
| 03/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Older American |
|
As an XXXX, I had provided services to XXXX & XXXX XXXX at XXXX XXXX XXXX in XXXX, NJ XXXX under a contract we'd signed in XX/XX/2022.
While they paid the first two payments, they changed their mind and their project required additional work. As my agreement with them allowed me a range between $ XXXX in cost, I had therefore charged them additional funds ( total of {$11000.00} ).
While this is irrelevant to you as a consumer financial protection bureau, the next part is.
On XX/XX/XXXX, XXXX XXXX signed a TD personal check to me for the final amount of {$5500.00}. I deposited it in my XXXX XXXX on XX/XX/XXXX and it was returned by my bank on XX/XX/XXXX with a strange comment : " warranty Breach ''. I went to TD Bank and they could not explain or help. I went to XXXX and they tried to recover more info. I emailed the chairman of TD Bank, who said it's a legal act : In response to your below e-mail, we have confirmed that Customers do have the ability to place stop payments on any check written from their account, provided the check has not already been cashed. The transaction can be stopped up to and including the posting date.
At this time, your only recourse would be to pursue legal action against the maker of the check, who placed the stop payment.
Thank you for allowing us the opportunity to review this matter.
Regards, Chairman 's Service Center Office of the President and CEO TD Bank, America 's Most Convenient Bank I spoke to several legal professionals in the banking compliance field and they agreed that it's not legal to stop a legal tender signed not under duress, fraud or loss of check.
If the payer had misgivings about their payment or agreement, they should have addressed it with the service provider ( Me ) rather than stop payment on a legal tender.
Our economy is based on receiving payment for goods and services, if anybody could stop payment on their legal payment, forcing the receiver to spend time and money on collection of the checks they received in good faith, it'd crate havoc.
|
| 06/01/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I purchased a workout bike for my wife from XXXX back in XXXX XXXX XXXX and immediately reached out to the company due to what appeared to be faulty installation. After my wife used the bike the first time she noticed the bike was faulty, as buttons did not work properly, if at all, and the system itself was not performing as expected. In other words we were not satisfied with the purchase. I attempted to reach out to the company via email, phone, and through their XXXX app several times to request a refund and let them know about the faulty/defective issues within the first month, and I never received a live agent on the phone, no one ever responded to attempts to contact the company on the app, and to date still have not received a response to my email. After the thirty day period to request a refund had passed and it seems the company deliberately did not respond to get to this point, I made payments in good faith as to not ruin my credit which I worked hard to build even while the company continued to be unresponsive to the issues with their product. In XXXX XXXX XXXX, I finally got a live agent on the phone ( XXXX XXXX ) who basically told me I need to fix the bike myself, as they would not send out a tech to fix the bike. I took the complaint to XXXX and suddenly someone from XXXX ( XXXX XXXX and XXXX XXXX XXXX reached out on XXXX. When I told them I attempted to return the product within the thirty-day return window, they indicated they will not accept a return nor provide a refund but they will send out a tech to repair. Clearly not what I wanted as I was approximately five months with a defective and faulty product that had not been enjoyed up to this point. To date, a tech came out three times and the bike is still not functioning as expected. The company is still refusing to provide a chargeback and refusing to accept a return of this product they failed to give me the opportunity to do within the first thirty days, yet they continue to attempt to collect as well as report me to credit bureaus.
|
| 09/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
To The CFPB Subject : make a complaint against TD Bank for missing money from XXXX XXXX XXXX.
Dear sir, I am XXXX XXXX, XXXX of XXXX XXXX XXXX, writing this letter to make a complaint against TD Bank for my missing money. We have a corporate checking account A/c no XXXX on TD bank. last year on XX/XX/2020 to XX/XX/2020, almost {$34000.00} money missing from our corporation account. We visited to Local Branch at TD Bank right away ( XXXX XXXX XXXX XXXX XXXX Ny XXXX ) and they called TD Bank customer service to solve this issue. The Branch Manager promised to give our money back within 2 weeks. They advised us to make a police report and gave it to them. Also they advice us to freeze account & we did. However Hacker broke the frozen account Twice & then manager told us to close the account & open a new one & we did. After that, we visited the local branch many times but they never gave our missing money back! ( {$34000.00} ). They always blamed me ( XXXX XXXX, XXXX of XXXX XXXX ) that I did this transaction even though I always denied this transaction. But, when I verified that I did not do the transaction, they told me they issued a TD bank credit card on behalf of my name. I told them I applied for a credit card which I never received. When I verified the address it was different from my address. The Hacker also hacked my personal email, cell phone number, paid XXXX ticket, made a fake Id with my name which I did not recognize. All these things were leaked by TD Bank, I believe. The detective sent me an email which stated that they found the person and he will be arrested soon. My XXXX XXXX also got hacked, but when I called them they solved the issue right away and gave my money back. Im also letting you know that I did not have any access on XXXX XXXX corporate account, no password no atm card. The hacker played casino with the TD bank credit card and made credit card bill payment through online which I always denied. I am very disappointed in TD Bank. I attached a police report, detective conversation.
|
| 03/24/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
Please help! After being a loyal customer for over ten years, TD Bank suddenly decided to " demarket '' my account. They blocked my online banking so I can not transfer my funds. I need your help. They are railroading me.
On XX/XX/21 XXXX XXXX, the store manager, told the Customer Service Representative, XXXX, that all I needed to do was come to the branch and my funds would be released in-person. XXXX even said I could go through the drive-through to pick up the funds. So, I did what I was told. I arrived at the bank at approximately XXXX and XXXX XXXX and her banking associate, made me wait for almost two hours. They did not see me until XXXX. They knew who I was. They treated me with disrespect and discrimination. I would not recommend this bank to anyone. XXXX XXXX should not be a manager. She treated me like a common thug.
Finally, two hours later, XXXX XXXX says she does not know what I am talking about. She tells her partner to call the mysterious " Marketing Department ''. The associate calls and leaves a voicemail. A voicemail? Really. XXXX XXXX said the department must be closed. She is a liar. I read that they department does not answer phone calls. She says they will get back to them in 24-48 hours. But, they never indicated when they will get back to me? Nor did they answer any of my questions. They did not explain why my account was de-marketed. They did not even want to help me. I asked why XXXX told me that the money would available when I got to the bank? They had no response for me. They were rude, cold, and they did not help me. They did not care about my situation. XXXX XXXX needs to be replaced with a manager who actually cares about human beings.
I have over 2500 $ -3000 $ in the account. They blocked my online banking so I can not see what the exact total is. Please help. TD Bank is horrible. After being with the bank for XXXX years, you think they would have the common courtesy to treat you with an iota of respect. They are thieves.
I trust you will help me get my funds back.
|
| 07/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
To whom it may concern I have been loyal customer to TD bank credit card for over 5 years and during the 5 years I never missed a payment under any circumstances and been paying higher interest to them and fees more then XXXX $ over the years. Recently and when the covid 19 pandemic had started in XXXX I lost my job like to many New Yorkers and lost my uncle due covid 19 and I had the worst Financial situation in my life I called my bank begging for help and trying to explain to them how bad is the situation here XXXX at the time but they werent even ready to hear my story they said we can help you because you late already 20 days or so. that call was made In the middle of XX/XX/2020 and they said there is nothing we can do to help you. You still have to pay us the high interest and the late fees otherwise we will report you to the credit agency as a missed payment. also, I called later on XXXX to beg them to not report me as missed payment after they report missed payment for XXXX their answer were the same I begged them to report me at least as ( affected by the pandemic ) not missed payment and yet they refused and were so heartless and money hungry they were waiting for 5 years to do that to me. 5 years of perfect payments which they didnt like because they couldnt charged me higher interest then which is already high 24 % interest rate. Please help to stop these big bank who took advantage of me because the pandemic and destroyed my Financial history. These big bank didnt follow with care act specially TD bank with I had to beg for help that I never got from them .and kept reporting me as missed payment like I choose to to miss payment and they forgot it was all out my control and I was a victim of a natural or declared disaster. Nevertheless, I called XXXX to ask for their lawful help and my right from the CARE ACT but they werent helpful at all and rolled for the big bank favorite and said even tho it was pandemic you were still have to pay them the only time you wont have to be them its if you dead.
|
| 10/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/. I had made a check deposit into my account with TD Bank at about XXXX in afternoon. The next day I expected the check to be clear so that, I can use it for it's purpose and unfortunately I find out that the bank was holding it for no apparent reason.
Then I called the bank to find out why they are holding up my check and their reason for that was because, of a suspicious purpose and, that it will be released in a week later. However, I asked how many times have they seeing me making the same type of check deposit into my account and everytime I made a deposit it's either suspicious or some nonsense excuses from these company.
Moreover, even when relatives and friends sent money into my account to help me out from what I am going through the money will still go on hold. And everytime I have to called the bank to release my money, because it's for an emergency situation since I wasn't able to work constantly, because of back XXXX that I recently under went.
However, me trying to understand the reason for the continuously hold on my check deposit or any other transactions that may take place in my account, does that mean I have to wait for a week for my money... I have a XXXX XXXX XXXX child that I need to provide for, I have to do food shopping, fuel my vehicle and etc. Waiting one week to have a check verification does it have to take that long? One week to wait for a check verification without food to eat for me and family, no gas in the tank for me to go about my daily life...
What kind of stupid policy is this? Who made all this no brain policies that the banking companies are using to hurt people who are in tough condition like me and many others out there? This nonsense has to stop before someone get hurt at job out there. People deserve 's a better treatment from the banking companies than what we're getting.
I demanding for a thorough investigation into a banking system like TD Bank and others and I want them to be hold accountable for the illegal action against the consumers.
|
| 06/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Yesterday, on XX/XX/2023, {$1000.00} was deposited at the ATM terminal, located in the front of the bank. I deposited {$1000.00} and the money still hasnt been credited to my account. I contacted the bank yesterday, and I called them today, I also called the corporate office and spoke to a teller at the site : TD Bank XXXX XXXX XXXX XXXX XXXX , NY XXXX I was asked to come into the location and speak to a CSR, and they did not assist me or provide any assistance with this transaction and the ATM issue.
In the past, mostly of recent, there have been numerous instances where debit cards have been ordered for my checking account and the numbers for the cards associated with my account have been placed to be viewed within the online banking modules. When I asked the CSRs, tellers and bank manager at this site, they all told me that they can not remove the cards that were linked to my checking account and did not provide any information that was related to the cards that were associated with my checking account. I never consented or I never requested these cards to be ordered for my account.
The banking team at this branch has provided my US Passport to others without my consent by the accessing of my storage box. In one visit at this site, one of the CSRs provided information to me that my friend, XXXX XXXX, came into the bank and impersonated me. The CSR told me that I looked exactly as XXXX XXXX and he looked exactly as me. I asked the bank manager if he knew this person, and he told me that he did not, and he also told me that he does not know his ex-bf, named XXXX, whom was once a teller/CSR at this site. The bank manager provided information to me that him and his team was not acquainted with this individual ( XXXX ) and the entire team was rotated and the members of this team were entirely new to the site.
I have been told by numerous people that I know that XXXX XXXX has been impersonating me, and forging my signature. I am concerned that XXXX XXXX may have been the person to access my safe box.
|
| 01/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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|
Hello, this incident scam began in early XX/XX/2022. I had posted on XXXX and applied for a job posted there ( XXXX XXXX ). The scammers claimed to be from the company, did an extensive interview ( via XXXX ) and then sent a check via XXXX to be deposited in my TD bank account to pay for work related materials. Check amount was nearly {$5000.00}. The bank cleared the check overnight and then the scammers requested to do various transactions to pay for work items ( via XXXX, XXXX ). Transactions were not working ; thus, they requested that funds be returned to them via XXXX. I withdrew {$4700.00} and sent via XXXX ( XXXX locations ). Since the bank had cleared the check and showed funds available for use, I did not suspect anything. However, when scammers tried this process again, I refused to do it and realized that something was clearly wrong. Unfortunately, the check that had cleared was fraudulent and {$4700.00} was lost. The bank accepts no responsibility even though they continue to clear checks for scammers - and never at any point do they warn customers or adjust their policies or procedures to protect the customer. All polices and procedures are complimentary for scammers - and thus, the reason they are able to do what they do ( even after they are detected ). XXXX is even worse as scammers were using that delivery company to send the checks- and the account they were using belonged to a company ( their account was being illegally used as XXXX does not protect accounts from such fraudulent use ). Additionally, XXXX has information as to who the scammers are - as the scammers had to pay for services - but XXXX refuses to turn over information to the authorities or to victims. XXXX is protecting the scammers in a way they never protected their own clients or recipients. Please help in any way that you can. The XXXX tracking # XXXX ; also, why are checks for such large amounts from out of state being cleared so quickly - and why do banks not have check verification systems? Thank you - XXXX XXXX
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| 07/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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|
Web |
Servicemember |
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XXXX XXXX XXXX XXXX, TD Bank NA allowed 127 fraudulent charges totaling {$5300.00} and after disputing these charges twice via their XXXX number and also via branch visit, TD Bank states after their investigation fraud did not occur as chip card was detected! XX/XX/XXXX TD Bank contacted via text asking if I authorized {$1000.00} charge to XXXX which I did not. They told me freezing my account and would need to go to branch and get new debit/ATM card. On XX/XX/XXXX when I looked at my account via mobile, my account shown negative balance and broke into tears after seeing 127 Fraudulent charges that all were processed within seconds/minutes/hours of each other and all from state of Florida and meanwhile I was using MY card on legitimate charges here in MA. I hereby state that I did not authorize any of these charges nor authorized the use of my card to anyone ever. 127 changes break down as follows : XXXX allowed ( 92 ) charges totaling {$4000.00} ; XXXX allowed ( 27 ) charges for {$1100.00} ; ( 1 ) XXXX XXXX XXXX {$27.00} ; ( 1 ) XXXX XXXX - {$11.00} ; ( 1 ) XXXX XXXX - {$11.00} ; ( 1 ) XXXX - {$6.00} ; ( 1 ) XXXX XXXX - {$47.00} ; ( 2 ) XXXX charges totaling {$14.00} and ( 1 ) XXXX {$21.00} : Total of 127 FRAUDULENT charges totaling {$5300.00} all from FLORIDA! TD Bank also processed insufficient fund charges and I have returned check fee from my mortgage company as they returned payment - the stolen money is for back pay of mortgage and I need this money credited back to my account before they start any legal proceedings. I need help please. Can not reach a live person at TD Bank Dispute and Claims department and only can dispute via phone or branch then wait for a letter in mail with decision which I have been denied twice. TD Bank employees in branch and on phone state that fraud is apparent due to time stamps, amount of charges made, card charges being made in Florida and MA at same time but keep being denied MY money - please HELP this has been going on for exactly one month today.
Sincerely
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| 04/07/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XXXX XXXX I was checking my TD Bank accounts and notice that my student checking and saving was in negative and when I looked into the accounts there were multiple fraudulent transactions occurring withdrawals, Debit Card purchase in person and online in the account starting from XX/XX/XXXX. It immediate contacted TD Bank customer service online. He instructed and created 3 fraud claims ; 1 for withdrawal from saving, 1 for checking and 1 for purchases. My Mother and I who are joint on the account followed up with the local branch on XXXX XXXX and additional claims were done again. We were informed that is Identification was comprised and they fraudster also had access and control of his online banking. TD bank instructed to get a Police report and also enroll into to identitytheft.gov which he did. My Son lost his bankcard and he was not aware. The fraudster depleted the accounts in 2 days and TD Bank fraud department never once try to contact us about this rapid transaction happening in the account which was uncommon and it was in a different state. We have filed multiple claims with TD Bank and they continue to deny them. To this date, TD Bank has only refunded {$820.00} of the aprox. {$4500.00} dollars that was stolen from the account. I have made many trips to the local branch with no solutions. The matter was escalated to the Reginal Manager and he has yet to contact us. I was instructed by XXXX XXXX branch Manager to write a formal complaint via letter and send directly to the Reginal Manager which was done and hand delivered to the Main Branch in XXXX with no reply. These 2 accounts were frauded out and TD Bank refuse to refund our money. My mother has been a value customer of TD Bank since taking over XXXX XXXX XXXX XXXX and currently has 8 active personal and business account along with my passbook. This is the second time my account was frauded out and TD Bank continues to deny claim even when it is blatant fraud. I would like TD Bank to refund my money. TD Bank security protection failed.
|
| 08/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
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Web |
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TD Bank is currently running a promotional offer XXXX XXXX XXXX XXXX 2020 ) offering {$300.00} for new customers opening TD Beyond Checking and Savings accounts. I tried multiple times to open accounts through the website, but when entering my address the process was halted stating " To open an account from outside the TD Bank footprint, please call us at XXXX ''. I spoke with a number of representitives to ask if accounts could be opened in California. Each rep told me that I could open the account in California, but each was confused about why the website wouldn't allow it. I began the process with a person in the accounts department, but before finalizing I asked if I would still be eligible for the promotional offer. She was unsure so I was placed on hold, then told that I would not be eligible. I halted the process and read through the disclosure on the webpage.
The disclosure states that in order to get the promotion you need to open the account online, but the only exclusion states " TD Bank employees and XXXX cross-border banking Customers are not eligible. '' There is no mention of particular states that are or are not eligible. The website has been built to only accept specific states and after inputting your resident information, rather than stating that you are ineligible for the promotion it simply prompts you to call the customer service number, and not one of the service reps mentions the fact that you would be ineligible and feigned ignorance about why the website would not accept my data.
Due to the fact that they mention that you have to sign up on the website in the disclosure, I'm not sure if they are actually violating any fraud laws, but the fact that they have designed the website to specifically exclude a large group of applicants ( most of the United States ) from qualifying without any verbiage in the disclosure pointing to this fact, seems like a clear bait and switch. If it isn't illegal, it is incredibly dishonest and they should be required to add to their disclosure.
|
| 09/11/2015 |
Yes |
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Web |
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I looked at my credit report in XXXX. I had a Target charge off for {$860.00}. XXXX also had an account for this listed on my credit report. I had a Target card several years ago but it was a very small limit and nowhere near XXXX. I call Target at XXXX and told the rep what was going on and they told me to contact XXXX. I then contacted XXXX. They had no information on the account and could n't tell me anything about it. From this they removed their entry on my credit report. Since I could n't get any information from XXXX I called Target back at the same number. When I would call the rep would tell me they needed to transfer me to another department. They would transfer me to a line that nobody would ever answer. This was done 5 times and each time I stayed on hold over XXXX minutes and each time I called back I was told I was being transferred to another line and would n't have to wait. Finally I called and a lady gave me a different number to call. It was XXXX. I then called this number and they told me they could n't help me because they could n't find any information so they gave me a different number. This number was XXXX. When I called this number they said they could n't help because they had no information and to call XXXX. I told them XXXX did n't have any information either and removed their entry from my report because of it. After over XXXX calls to Target I was told me to mail them a letter. I forgot to mention this but I had previously disputed this account XXXX. All XXXX said that Target confirmed the debt. I then mailed a letter to Target on XXXX XXXX that they received on XXXX XXXX. This letter informed them of everything that had happened and asked them to investigate the amount owed and it 's validity. I have yet to receive anything from Target. Per the FCRA XXXX Target had 30 days to investigate and respond to this but they have not. I 've given them over XXXX days between phone calls and certified mail. I would like this account removed from my credit reports or I will file suit.
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| 09/24/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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- Managing, opening, or closing your mobile wallet account
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|
Web |
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On the XXXX of XX/XX/2020, I enrolled or created a XXXX Account ( US ) profile with the sole aim of purchasing a smartphone through Finance, and I applied for the Credit through TD-Finance ( NA ) and the sum of {$2200.00} was being approved and immediately I placed my order after few minutes email messages are being sent to me that we are sorry your order is being canceled, several repeated orders were placed and all ended canceled with messages that my information could not be verified, several emails and called was being made to XXXX ( US ) but all to no avail, the company was not ready to get the problem fixed also the Bank ( TD ) is not rendering any meaningful assistance to get the issue resolved, they keep passing the buck and none is taking responsibilities to get the anomalies resolved.
The main frustrating aspect of this whole process is that XXXX is categorically stating to me that, I have to use a different payment option to make my purchase, that my approved credit can not be used, knowing that the credit was been approved to me by her assigned banker for the main purpose of purchasing a phone.
On the XXXX & XXXX of XXXX emails and reminders were sent to both XXXX XXXX and TD bank NA, no deemed it fit to respond.
Very unfortunate and frustrating no one is responding to emails I please humbly request that you please intervene in this situation, even if that both ( XXXX and TD Bank ) can not find a common ground to fix this problem, whatever TD bank is going to resolve to, should not affect my credit score which I have over the years built and guided, XXXX, the purpose of this credit request is to keep building my credit A fair resolution I would accept since the company ( XXXX US ) has stated that I can not make a purchase with my credit, TD Bank should please revert to the status quo without having any negative impact on my credit score.
The credit is not useful or beneficial for the purpose it was approved for and likewise, it can not be used to make purchases with other merchants.
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| 06/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XX/XX/2019, we applied for a mortgage with TD Bank , N.A . with XXXX XXXX. The Loan estimator provided had a mortgage amount of {$660000.00} and a Rate Lock Agreement which stipulated a floating rate even though we asked to lock the rate. On XX/XX/2019, another Loan Estimator was sent with the correct Rate Lock Agreement set at 3.625 %.
On XX/XX/2019, at XXXX XXXX, XXXX called me to ask for an additional downpayment of {$39000.00} in order to get our loan approved. This brought the loan to value to down to 75.3 % from 80.0 % in the original application. XXXX failed to tell us that TD Bank was offering a mortgage interest rate of 3.50 % to clients with 25 % downpayment. The lower rate option should have been made available when TD Bank decided to change the terms of the agreement. The request for the additional amount to bring our downpayment to 24.7 % appears to have been done purposely in order to avoid giving us their best rate for equally qualified customers. On XX/XX/2019, TD Bank asked us to sign and return at the branch the original Loan Estimator with the original loan amount and the variable rate selected on the rate lock agreement. Prior to closing, I sent XXXX and his manager, XXXX XXXX, an email on XX/XX/2019, advising them that we should have been offered the lower 3.50 % rate on our mortgage when the terms of our loan amount were changed by TD Bank. Mr. XXXX insists there is nothing he can do since the rate lock agreement is signed. The Rate Lock Agreement, TD Bank 's website, and the CFPB all agree that the interest rate in the rate lock agreement can change when the terms of the loan change. In this case, the terms changed at TD Bank 's request. On XX/XX/2019, Mr. XXXX offered a refund of {$770.00} which is far less than the {$20000.00} the lower rate would save us over the term of the loan. After numerous emails and unreturned voicemails, they could not explain how TD Bank could justify giving different rates to clients with the same credit rating and the same loan to value ratio.
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| 08/09/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
Hello.
I am writing to inform the CFPB about a potential violation and deceptive business practices at TD Bank who is the servicing institution for XXXX XXXX.
Scope of the complaint : I have held an account with TD BankXXXX XXXX for over 5 years. On XX/XX/XXXX, I made a payment in the amount of {$1000.00} from my Checking account. TD Bank received the payment and posted it on the account on XX/XX/XXXX ( see attachment 1 ). In a phone conversation with TD Bank/XXXX XXXX on XX/XX/XXXX, I was advised by customer service of the following ; 1. TD Bank/XXXX XXXX received the payment in the amount of {$1000.00} on XX/XX/XXXX 2. Subsequently, TD BankXXXX XXXX XXXX XXXX hold on the funds and categorized it as a ( Pending : Memo Post Debit {$1000.00} ) for a period of 15 business days. I was further advised on 2 separate phone calls, as to the payment posting dates of XX/XX/XXXX & XX/XX/XXXX.
3. I was advised by TD BankXXXX XXXX customer service representative XXXX that though the payment was indeed received and applied to the account, however, it is the policy of TD Bank/XXXX XXXX and is listed in their Terms & Conditions as listed on Online Banking, any payments over {$500.00} is subject to a hold, and it is a blanket policy not based on any risk based segmentation. In review of the Terms & Condition ( Please see 2nd attachment ). Nowhere in the terms & conditions, does TD BankXXXX XXXX disclose this hold policy. The terms & conditions as displayed on the Online Banking portal, states the policy was last updated in XXXX.
4. This is potential of UDAAP Violation and deceptive business practices. In my case, the outstanding balance was on a promotional offer, hence no interest is charged.
5. In the event a customer does not have a deferred payment option, and maintains a high balance. Any payment greater than {$500.00} will not be given credit, and TB BankXXXX XXXX continues to charge interest on a per diem basis, resulting in an unjust enrichment for TD Bank/XXXX XXXX and collecting additional inter
|
| 01/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
I have been out of the Country, in XXXX since XX/XX/XXXX ; ( where I am unable to communicate with any American banks, due to the Embargo laws here ), and returned on XX/XX/XXXX.
While I was away, TD bank excessively charged my Primary DDA account with Overdraft Fees in one of ( at that time I had 2 checking accounts with them. My Primary DDA, was by myself, and the Secondary DDA, was a Joint Account with my Grandson ). The Overdraft Fees that TD Bank charged me for repeated EFTs, were in excess of the ( {$910.00} ) ; they took the remainder of my Social Security benefit, that remained on my account. I was not able to receive any notices, written, or otherwise, to remedy the situation, and even though I DID ADVISE TD BANK AT THEIR CUSTOMER SERVICE LINE ; THAT I WOULD BE OUT OF THE COUNTRY, IN CUBA FOR THE DURATION OF 2.5 MONTHS, ( due to the fact ; that I was getting married. I specifically called them in XX/XX/XXXX, prior to my trip to place a memo on the account. ) TD Bank, not only closed my Overdrawn Checking account ( without receipt of any notice ), but they took portions of my Social Security Deposit funds that were Direct Deposited into my Account at the time ; ( which are, to the best of my knowledge, considered 'exempt funds ', by US law ).
Not only did they take my money, ruin my credit, and over-charged me excessive Overdraft Charges, they did a " DDA Offset '', against my Grandson 's Student account, and took his University Internship earnings ( without any written notice to him, or me!!! ) When my Grandson opened his Student Account with TD bank, ( for which I was present ), he was never given any notice or disclosures that they would '' offset any DDA accounts '' against his. As a matter of fact, when I opened my DDA & Savings account, no disclosures and terms of conditions were given to me either! They just had us sign what I thought was a " Signature Card ''. Unless, TD Bank placed this disclosure in such " fine print '', as to throw off customer from even being able to read it.
|
| 09/04/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
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Consumer HELOC opened XX/XX/XXXX on residence with XXXX XXXX XXXX with a rate of XXXX XXXX XXXX + 0 % starting at 3.25 %. A relationship discount of 0.25 % was active for a relationship banking account ( Checking & Savings ). I just noticed rate has increased the past few statements as XXXX XXXX has increased which is appropriate. I am no longer noticing my relationship discount of Prime - 0.25 % as indicated in my loan contract with TD Bank even though I am eligible for this discount having both checking & savings account. Last statement received rate was 4 % and prime rate was 4 % hence no discount applied. I was concerned that for this statement and many others I have been being overcharged so I emailed TD Bank for a response on XX/XX/XXXX. I was contacted by 3 individuals within the coming days to let me know that an answer was on the way, but no answers provided. On XX/XX/XXXX I received a USPS mailed letter response from XXXX XXXX of TD Bank explaining that my rate was correct at 3.25 % (??? ) and I was not being overcharged. She additionally told me to pay my outstanding balance which at that point was already paid with 20 days to spare. The letter was clearly inaccurate as she stated my rate at 3.25 % and she was not properly informed on the situation. I contacted XXXX XXXX, Consumer Loan Department, of XXXX XXXX XXXX on XX/XX/XXXX asking for assistance on this situation and still no response as of XX/XX/XXXX. I have received a leter from XXXX XXXX also explaining that all is well which is also incorrect. XXXX 's letter told me to " feel free to reach out to her '' which I have done 3 times over the course of 1 month with no response. I am concerned that TD Bank is not billing me as agreed upon in our HELOC agreement and I may be overcharged on this month 's statement and many others. At this time I am only requesting a educated response from TD Bank and 3 months later and 6 people have not been able to provide. Any support / feedback on this issue would greatly be appreciated. Thank You.
|
| 05/09/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
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I have had a checking account with XXXX Bank since XXXX , and refinanced my outstanding credit card debt into a personal loan with XXXX Bank in XXXX . I have diligently made my monthly payment via automatic payments since disbursement, with no missed or late payments, and have paid extra when I 've had the ability to. My father very recently passed and a result my financial situation has drastically changed in order to assist my family with both the expenses of his services as well as the household expenses while we grieve. I have tried to adjust the automatic payment from my checking account to my loan account ( $ XXXX on the 6th of each month ) multiple times, and am consistently given the run around. My branch tells me I need to call corporate, and corporate tells me I need to go to the branch, and each of them tell me it would require me to fill out paperwork and submit a request to adjus t my due date. That being said, I have continued to make the payments on time without complaint. This month, however, having this pull would have caused an extreme financial hardship. I called the branch and explained I did not authorize the ACH to pull this month as it would leave my account overdrawn with no funds available for XXXX weeks, and I was told the request would be submitted and it would be all set. However, the ACH was still pulled and now my account is in the red. I called XXXX Bank 's customer service today and was told in no uncertain terms that there was absolutely no way for me to have them reverse the transaction despite me revoking my authorization. According to TD, I would need to request adjustment/cancellation paperwork XXXX business days in advance, complete it, and then mail it back for review. Even if I were to request it now, my XXXX payment would still most likely pull as they are making it impossible to make ANY adjustments. I desperately need the XXXX XXXX ACH reversed as soon as possible and some sort of realistic method of adjusting my ACH when necessary.
|
| 03/06/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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Because of previous problems I have had with TD Bank, I decided to close my credit card with them ( they started charging me 24 % interest for similar issues that were not valid ). I paid the balance owed and asked them to close the account. The bank however continued to allow automatic electronic debits - I was charged by a previous vendor {$14.00}, days after I requested and was told the account was closed. A phone rep from TD who called my home about 2 months ago confirmed the same story.
Since the bank allowed the charge to go through ( that they should not have ), every month they add new fees and charges. Now the balance is over $ 200+ which is almost entirely fees - due to their error.
They called me several times. A couple of months ago a rep called and confirmed my story. I told her that I was even willing to pay the {$14.00} from the charge that they shouldn't have allowed. I offered to pay the erroneous charge but told her I wouldn't pay any of their penalties. She said she'd put my on hold and ask her supervisor. She didn't come back, and I went to work. Several times they have called in the morning as I'm headed out to work, and I asked my wife to give them my cell # and if they would call me on it I would still try to resolve things with them. Instead they keep calling my home when I'm not there - but they don't call back even after I've asked them to.
They often send letters advising that they will report me to the credit agencies for non-payment. I'm not sure if they have or not, but the letters and bills keep coming and I will be extremely upset if they report to the credit bureaus for something they THEY caused. That's an abuse of power in my opinion - they can effectively make it very hard for me to get credit and I have no equivalent ability - it's really a shame how the system works. Anyway I hope the CFP can help resolve the problem since TD Bank doesn't listen to me.
My legal name is XXXX XXXX. The card was a Visa card - I believe the number was XXXX XXXX XXXX XXXX.
|
| 07/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
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The incident started on Saturday, XX/XX/2023, around XXXX XXXX at the TD Bank branch at XXXX XXXX XXXX in XXXX NY. I deposit on the ATM machine {$700.00} Cash and all of a sudden after giving my money to the machine slot, it said on the screen : " We are unable to provide the details of your deposit at this time. Please retain the receipt for your records. '' The ATM printed a receipt for me for further proof of my deposit. I looked at my TD app on my phone and it indicates that the {$700.00} was deposited but on HOLD. I waited until Tuesday, XX/XX/2023, and I saw a negative - {$690.00} on my app & I immediately called TD customer service, and told me to go to the branch where the incident occurred. I went and spoke to a representative name XXXX and filed a claim on the issue.
After that, I kept calling for further updates and didn't receive an update until Monday, XX/XX/XXXX that my claim was denied and said that the Fraud department didn't see any error. They will do another claim and wait XXXX business day. On XX/XX/XXXX I went back to the TD branch in XXXX and spoke to XXXX again and made a few phone calls about this issue, but no help or options. So He had to do another claim.
I called today XX/XX/2023 for an update since I filed 2 claims ( XX/XX/XXXX customer service & XX/XX/XXXX branch ) customer service told me they denied again the claim I made on XX/XX/XXXX at the branch with XXXX and that the claim on XX/XX/XXXX is still on going and to wait another 5-7 business days.
I told them : " how can I be denied twice? This doesn't make any sense. I always deposit cash in the atm machine of {$700.00} for rent purposes and that you can see in my previous statements. And now this was the issue that occurred and I can't trust my money the next time I want to deposit cash at Td bank. I'm like : " you can't see through the cameras of me depositing cash and a printed out receipt as proof of my deposit, which I still have the original.
They kept repeating to wait for the next claim response.
|
| 04/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
To whom it may concern : The reason for my complaint against TD Bank is because I feel like I have been treated unfairly and have been giving the run around for months with no result in the end.
I started to get the onset of sickness in the summer of XXXX and due to this had fallen behind on my mortgage payment.
In XX/XX/XXXX I went out on short term XXXX until XX/XX/XXXX.
Because I had fallen behind on my payments TD Bank sent me paperwork in XX/XX/XXXX to apply for a modification when I assumed the illness was getting better.
I sent in the completed form to them and received a response in XX/XX/XXXX that the modification was accepted and the new payment.
I called immediately to inform of my unforeseen and unavoidable circumstances and to see if they could assist me. The girl in customer service said to sign the papers and don't worry about it. So I did if not they would foreclose on my home. I also put this in writing.
I made several calls after this fact to TD Bank to try and work with the bank to resolve the delinquency on my part but the persons name on the letters I received do not pick up phone and speak with consumers. So I had to speak with customer service who would communicate with the loss mitigation/escrow department then relay the information to me. I was also transferred numerous times, disconnected, transferred to a tile company in Maine on more than 1 occasion. When I did get a rep on the phone the answer was always let me transfer you to that department, I don't know, I can't tell you, I don't have access to that screen and I'll have a rep call you back which has not happened to date.
I also received several letters that had different amounts for my mortgage and when I called to inquire which amount was correct I was given a completely new figure.
I do not know what to do and I do not want to lose my home, can someone please help me communicate more effectively with this bank? Also please do not let them accelerate the foreclosure process due to this complaint!
|
| 05/03/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I initially contacted Target XX/XX/XXXX through the secure messaging system to request a covid-19 hardship assistance and was told to call their 800 number for this service. I called and was advised it was completed, and my account would be updated to reflect a monthly payment due to {$0.00}. When I tried to use my card a couple of weeks later I discovered that apparently did NOT happen, and I was reflecting a past due balance on my account which suspended the ability to use the available credit. I contacted Target on XX/XX/XXXX to see what was happening and was advised by a supervisor that the initial representative I spoke to in XXXX did not enter information correctly, so the update did not get processed correctly. She advised everything had then been corrected, and my account should reflect the changes in 2 business days.
After a week of waiting a week, I reached out again on XX/XX/XXXX via secure message to inquire about the status of the correction and was told again to call the 800 number on XX/XX/XXXX for details, which I immediately did. The representative I spoke to on XX/XX/XXXX said the representatives I spoke to on XX/XX/XXXX had only requested my late fee be waived but still did not properly make the corrections for my covid-19 hardship so my payment would be updated to {$0.00} due for both XXXX and now for the upcoming XXXX payment and remove the past due hold on my account so I can use the available credit. Again, I was told it would take about 2 business days to process.
It is now XX/XX/XXXX, and my account is STILL showing a past due balance and suspended from being able to use available credit. I am SERIOUSLY concerned a negative mark is going to be reported to my credit report and affect my credit score negatively due to Target 's incompetence to complete this request that EVERY other credit agency handles in a matter of 24 hrs. I am TRYING to be responsible with my credit and creditors during this stressful time, and Target is putting my credit at risk with this issue.
|
| 04/26/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
I was feeling rushed checking out a Target, and the nice teenager checking me out asked if I had a Target card and briefly explained that I could save whatever percent if I signed up for one ; I was buying something expensive, so I tentatively said yes and started signing up.
I should have known to stop the process when the employee told me that this would be a huge relief to her, as there was a huge amount of pressure being put on them to push the cards from management. The predatory marketing issue here is that this absolutely seems like you're signing up for a loyalty/savings store card ( as is common at store check-outs ) when it is in fact a credit card. Target employees had either poorly trained on explaining how the card works or instructed to be intentionally misleading. I finally stopped when the prompt screens began asking income information and for my social security number, but then my checkout person repeatedly assured me that this would not affect my credit and I would not receive a bill if I just didn't activate the card -- so I went ahead, just trying to get out of line and get a discount, thinking I had paid with my normal credit card I'd swiped.
I genuinely believe that she just didn't understand how it worked, and we were both in a hurry ; credit cards are serious legal agreements with financial consequences that can follow people and their families forever -- they should not be sold at check-out like pack of gum. A separate counter, at least, where there's someone trained to explain the contract you're entering into would make more sense.
Anyway, I read the receipt when I got home and called and successfully cancelled the card within 20 minutes of signing up, but I still got a card in the mail, and I am still getting statements, and have been told by Target card representatives that there is " no way '' for them to delete my information from their databases. I have also been alerted by the credit unions that my credit score has gone down as a result of this incident.
|
| 01/25/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In connection to complaint # XXXX, on XXXX I XXXX XXXX XXXX the natural person and consumer rebutted TARGET CARD SERVICES attempt to validate an alleged debt via certified mail. Im giving TARGET CARD SERVICES another chance to lawfully allow me to validate the alleged debt by giving them 7 days upon receipt to respond with specific requested information pursuant to 15 USC 1692g ( see attachment ). TARGET CARD SERVICES received my rebuttal on XXXX. Ive been trying to receive proper debt validation from TARGET CARD SERVICES since XXXX when my initial correspondence was received via certified mail. Its now XXXX ( XXXX days later ) With not 1 piece of evidence of validation being conveyed to me. TARGET CARD SERVICES is currently using stalling tactics by not sending required debt validation information pursuant to 15 USC 1692g ( a ). TARGET CARD SERVICES responded to my initial debt validation request with 1 meaningless billing statement from XXXX showing a charged off account ( see attachment ). That doesnt validate a debt pursuant to 15 USC 1692g. As stated in my feedback response in complaint # XXXX, TARGET CARD SERVICES is in violation of 15 USC 1692 ( a ) for failing to send a debt notice to determine the initial communication in relations to the alleged debt. TARGET CARD SERVICES is in violation of 15 USC 1692g ( a ) ( 3 ) for failing to disclose my right to dispute the alleged debt. TARGET CARD SERVICES is in violation of 15 USC 1692g ( a ) ( 4 ), and 15 USC 1692g ( a ) ( 5 ) for failing to disclose the necessary statements in relations to the alleged debt being disputed. Pursuant to 15 USC 1692g ( c ) my failure to dispute the alleged debt should not stand for an admission of liability. Only I the consumer can validate a debt. With TARGET CARD SERVICES failing to give me the opportunity to dispute & validate the alleged debt, Its unlawful to be reporting information to third parties that isnt validated nor with consent of the consumer. Theyre knowingly furnishing fictitious information.
|
| 02/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
This complaint is solely aimed at the unprofessional, disgusting practices of TD Bank. They once again erroneously froze my joint account and took mine and my wife 's funds out, all of her funds due to some alleged garnishment in Virginia.
Even if the garnishment was legal, in Florida, the most theyre allowed to take is up to 25 percent of the salary, but the truth is, she is also the sole provider for the child so they cant take anything!
What gives them the right to take all my wifes money and my money out of our joint account????? Theyre not allowed to take more than 25 percent, and since she's the sole provider for the child they aren't allowed to take ANYTHING under the Florida law.
The same thing happened last year and TD Bank apologized and released the funds. Apparently theyre doing the same exact thing again this year because they failed to train their employees on this issue! They froze my wife 's funds, took her checks. My wife 's accounts were suddenly put into XXXX, including my joint account that I have with her and its frozen because a collection attorney claimed that my wife owed around {$5000.00}. They created a garnishment summons out of thin air!! What is this based on? And what gives them the right to freeze our joint accoint and hit us with {$150.00} in fees? And what makes this even worse is that my tax return, in my name, is set to go into our joint account and they refuse to release any of it. Its my money!
I don't know or understand why TD Bank is doing this when they even admitted that the attorneys behind this shady garnishment submitted the wrong paperwork the last time this happened, and that they also can not find the judgment. TD Bank once again refuses to put any of this in writing, they dont know what theyre doing and cant answer simple questions, which makes it even more shady. I respectfully request CFPB gets involved in this incredibly unprofessional business practice at once. The XXXX department needs to be trained better and TD Bank knows better.
|
| 11/29/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
On XX/XX/XXXX I made a purchase from an online business called XXXX & since I 'm a XXXX ( I work for XXXX ) I utilized a website called " XXXX XXXX ) to initiate a discretionary allotment to have {$43.00} deducted from my paycheck every pay period ( every XXXX weeks ) sent to the financial institution XXXX designated which is XXXX XXXX. however I then learned that the RTN I used to establish my allotment is actually for TD Bank NA. On XX/XX/XXXX, I input the correct data ( again using XXXX XXXX ) and took action to redirect the allotment of {$43.00} per pay period to XXXX XXXX. At th time I THOUGHT I had terminated the erroneous allotment to TD Bank. Unfortunately today I learned that the alllotement never stopped and that since XX/XX/XXXX, {$43.00} has been deducted from my pay & sent to TD BANK ... for no reason whatsoever.
After, confirming that the correct payment & allotment I input when I changed the deduction to send XXXX their payment was, in fact, input correctly ( this was confirmed by virtue of the fact that I have a remaining balance of {$190.00} on my purchase, I then undertook the task of contacting TD Bank to determine why they were holding onto monies sent via an allotment every into an account that I have absolutely no connection to. I tried to speak with them, providing more than enugh identifying information for myself as well as the RTN, Account number, typw of account and EVEN EACH AND EVERY DATE PERTINIENT TO THE TRASNACTION/ISSUE : 1 ) The date the initial payment was sent ; 2 ) Each and every date a payment was made ; 3 ) ANY date wherein an action of any kind took place ( I was able to do this because XXXX XXXX keeps detailed records pertaining to any inputs and/or transaction that take place associated with my account.
Despite all this they refused to provide me with any inforation pertaining to the ownership of the account - something that is absloutely necessary for me to know in order to be able to contact the entity holding those monies & have them remitted.
|
| 01/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Finance manager illegally pulled the credit more than once for me ( XXXX XXXX ), and mom ( A.Basalo ) with institutions we never instructed the sales person. We only authorized to apply with XXXX XXXX XXXX and he pulled with XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX XXXX never authorized ) and TD Auto ( never authorized ). XXXX XXXX XXXX directed the auto loan to XXXX XXXX at a higher rate than the one with our financial institution, and falsely tried excusing himself using a credit score of XXXX for my mom, to which we demonstrated XXXX for XXXX agencies and XXXX for XXXX for her, and the ability to get the best rate offered by our financial institution of 5.24 %. After being caught amazingly he lowered the rate for the non preferred institution to 5.33 %. The fraudulent practices by this individual are performed after a 5 hr long period and with the individual not letting the customers read the full documents, and speeding up not to be caught. Fortunately I caught him, after I paid XXXX with my credit card to the dealer, and his behavior was certainly strange after demonstrating all his lies and illegal practice. The fraudulent actions damaged my wife 's and my daughter 's credit score with the inquiries, and they ended paying slightly more to the non-preferred institution, abusing of the three persons involved in the purchase ( my mom, my dad and myself ) being tired of the unpleasant experience of buying a car with them, and arguing about : 1 ) trade-in value ; 2 ) being forced by the dealer to buy unwanted additional items not yet installed ; and 3 ) The fraudulent actions from XXXX XXXX XXXX to earn a referral fee from XXXX XXXX XXXX Regardless of that the fraudulent Finance Manager pulled the credit with XXXX unauthorized institutions instead of pulling with the only one instructed to the sales person XXXX XXXX which was XXXX XXXX XXXX, damaging the credit for both myself and my mom.
|
| 12/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
On XX/XX/2020 during the COVID-19 Pandemic, I enrolled in a Payment Plan Agreement via the Target XXXX Account website. All payments were set to deduct automatically, and they did faithfully until the account was paid off in the following months. Upon checking my credit report, I discovered three late payments. Many disputes were made to correct these falsities in reporting ; however, the errors remained the same. No change to the inaccurate reporting ensued. A complaint was filed with the CFPB, which outlined many inconsistencies in the information I received as the consumer at the time of enrolling in the Payment Plan Agreement. Additional information was provided to include proof of Payment Plan Terms and posted payments. After the investigation, the company stated, At the time you agreed to your payment plan, your account was past due. After 3 months of on-time payments your account was reported as current. We are unable to change how your account is reporting to the credit bureaus. However, this was not outlined in any terms sent via email on XX/XX/2020. In the Payment Plan Terms sent by TD Bank, it clearly outlined the Minimum Payment Due on upcoming statements may be greater than the required fixed monthly payment because of past due amounts, but you are only required to pay your fixed monthly payment amount. No information was disclosed regarding credit reporting procedures or potential impending penalties for past due balances whilst in the Payment Plan Agreement. I, as the consumer, agreed to the terms ; however, TD Bank did not ensure all facets of information were disclosed prior to entering said agreement to ensure the ongoing health of my credit score. To no avail, I have made multiple attempts to correct this erroneous error and unfortunate mistake with the credit bureaus and the company itself. Despite my best efforts, I am still being penalized for enrolling in a Payment Plan during a worldwide pandemic due to undisclosed terms by the company at the time of our agreement.
|
| 02/17/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Throughout the pandemic, XXXX with hundreds of other Target RED CARD holderswere repeatedly locked out of online access to our accounts to make a payment and/or service our accounts; including changing AutoPay bank details, scheduling future payments, sending messages via the secure system, and changing personal contact details. Even after repeated attempts to rectify the issue with Target, no resolution was providedI was told simply to 'try again '. This Additionally, during this time, the Target Card Services Customer Service Line had hold times of 45-120 minutes, making it impossible to reasonably reach anyone for phone assistance. When reached, Target was aware of the problem but offered no fix. They declined to wave the late fees resulting from it, and instead aggressively pursued collection action, which pushed me into an escalating late status as my Minimum Amount Due increased each month by over {$70.00} ( including a {$40.00} Late Fee ) with no resolution to the matter still. Prior to this issue, my payment was a very manageable $ XXXX. Within 3 Days of my first late payment, my minimum payment became {$81.00} and they would not work with me, even though they openly acknowledged they had an issue with their site. I have found XXXX XXXX in factof posted complaints from other Target RED CARD users on this exact same issue. I have found responses posted from Target as far back as 2019 stating they were aware of the login issues with their site. Yet, another 15 complaints were registered about the same login issue just last week on various consumer complaint sites. Target has been 1 ) fully aware they have a login issue with their RED CARD that is creating problems for their card holders, yet 2 ) chooses to do nothing about it and instead penalizes its customers and even profits from the situation, and 3 ) continues to aggressively push the RED CARD to new customers through unreasonable quotas they demand of their cashiers, while knowing new customers will face these issues as well.
|
| 01/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Finance manager illegally pulled the credit more than once for me ( XXXX XXXX XXXX, and daughter ( XXXX XXXX with institutions we never instructed the sales person. We only authorized to apply with XXXX XXXX XXXX and he pulled with XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ) and XXXX XXXX ( never authorized ). Mr XXXX XXXX directed the auto loan to XXXX XXXX at a higher rate than the one with our financial institution, and falsely tried excusing himself using a credit score of XXXX for me, to which we demonstrated XXXX for 2 agencies and XXXX for one, and the ability to get the best rate offered by our financial institution of 4.24 %. After being caught amazingly he lowered the rate for the non preferred institution to 4.33 %. The fraudulent practices by this individual are performed after a 5 hr long period and with the individual not letting the customers read the full documents, and speeding up not to be caught. Fortunately I caught him, after I paid XXXX with my credit card to the dealer, and his behavior was certainly strange after demonstrating all his lies and illegal practice. The fraudulent actions damaged my wife 's and my daughter 's credit score with the inquiries, and they ended paying slightly more to the non-preferred institution, abusing of the three persons involved in the purchase ( my wife, my daughter and myself ) being tired of the unpleasant experience of buying a car with them, and arguing about : XXXX ) trade-in value ; XXXX ) being forced by the dealer to buy unwanted additional items not yet installed ; and XXXX ) The fraudulent actions from Mr. XXXX XXXX to earn a referral fee from XXXX XXXX . Regardless of that the fraudulent Finance Manager pulled the credit with 6 unauthorized institutions instead of pulling with the only one instructed to the sales person XXXX XXXX which was XXXX XXXX XXXX, damaging the credit for both myself and my daughter.
|
| 05/24/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
I had a fraudulent charge made on XXXX using my credit card number. I disputed the charge with my credit card company, TD Card. TD Card denied the claim on case number XXXX and referred me to XXXX. I contacted XXXX and was told that they had the order flagged as a fraud and that they refunded the money back to TD Bank. They explained that there were numerous incidents in XXXX of someone ordering phones online and having them sent to the XXXX XXXX using fraudulent credit cards and personal information. They would then, after approval, change the name of the person picking up the phone to their name so that the ID matches the person picking up the item. I detailed this on CFPB complaint number XXXX. I am refiling this complaint because this is the only method in which these people will communicate with me. In the reply from TD Bank employee XXXX XXXX, he states that he sent me a reply. That is false. The only reply I got was through the reply to the CFPB complaint. XXXX XXXX also states that he " contacted XXXX @ the number provided, they were unable to assist us in verifying the transaction as fraudulent ''. I contacted the XXXX Order Review Team again and they confirmed that someone from TD Bank called at the end of XXXX, but XXXX at XXXX told me that they told TD Bank that the order was flagged as a fraud and that the funds were returned to TD Bank. He also said that they provided all of the information asked for by TD Bank. This is a direct contradiction to the reply from TD Bank. Can CFPB please have an investigator call the XXXX XXXX XXXX XXXX at XXXX and provide order number XXXX and they will verify all of this. I can not get a reply from XXXX XXXX of TD Bank either through numerous emails or by phone. He will not reply. I have never had any communication from them. I have already sent my congressman a request for intervention and will be contacting my state attorney general for assistance today. All it takes is for someone to call XXXX and you will see that I am in the right here.
|
| 08/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
TD bank has wrongfully stolen {$730.00} from me. They ignore my many emails and phone calls and have now closed my case despite providing no help or answers. An agent of theirs signed me up for the wrong overdraft protection services in early XXXX. I noticed late XXXX, contacted td, and everything was refunded and fine. The agent was very kind, helpful, and owned the mistake. I went to a td bank location on XXXX XXXX in XXXX to sign up for the correct program and confirmed I signed up. They deny that I was ever there, despite the fact that I have text messages proving I was there, provided by my boyfriend, who dropped me off there. I, thinking I was safe from overdrafting, spent money without realizing I was being charged hundreds of dollars in overdraft fees daily. ( I work a very hectic job and dont always have access to my online banking, so I was very confident in TDs overdraft program that pulls money from your savings into your checking ) I had more than enough money in my checking to cover the small expenses incurred throughout the few weeks I was being charged, and was sometimes even charged overdraft fees when my account was positive ( XX/XX/XXXX, XXXX, and XX/XX/XXXX ) I can not live without the money they have stolen from me. XXXX and XXXX, the managers handling my case, have been reflective, unhelpful, and rude. While the first agent fully acknowledged TDs mistake, these women are flat out lying. I work a lot and my hours conflict with TDs and can be really unpredictable this time of year. Im disappointed and feel wronged, to say the least. Id like to close my accounts, but obviously dont want to until I get my money back. XXXX rudely suggested I come in since tds hours are very convenient but, ironically, Ive had to work almost every day the last month because I have to pay late fees for bills and catch up on rent.
Id like my money back ASAP before I take this to small claims.
Note from the images below XXXX has not once tried to contact me, but was CCd on every email.
|
| 11/19/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Servicemember |
|
Hi, TD BANK fraudulently overdrew my account and broke the law under the Fair Debtors and Creditors act and the Privacy Act. First, they tape recorded my conversations with them without informing me of that in the beginning of conversation which is against the law. Second, They purposely held pending transactions that the merchant had already sent through. Meaning they held pending transactions for 5 days to the Monday night processing so that my account would incur NSF fees totaling {$200.00} which far exceed the amount of the total of my transactions which totaled {$40.00}. This is excessive behavior and abuse of power. I never filled out any paperwork for approval for overdraft fee payment or overdraft protection when I opened the account. They are trying to penalize me and charge me for overdraft protection that I never requested to begin with nor filled out an application stating that. To prove it, they could not find any application for overdraft protection or approval of overdraft payment application in my record when I opened the account. They are lying and severely breaking the law. They are just trying to profit from the consumers with the lowest monies in their accounts to utilize - that money that they generate from NSF fees of low income customers - to pay out to their customers with big business and big money. What they 're doing is fraud and illegal. They 're commingling funds and manipulating their currency to accumulate a substantial amount of money through NSF fees. A reasonable person under the same and similar circumstances would agree with me. You should also contact their Executive department because their regulation department will not inform their executive office of their wrongdoing because they know that they would be fired if their Executive department found out this information of their wrongdoing. I 'd like a refund of all of my NSF fees totaling {$600.00} due to their fraudulent activity and their disobedience of the law under the Federal Trade Commission.
|
| 02/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
Please be advised! That the Secured Party XXXX XXXX XXXX is giving TD AUTO FINANCE the XXXX lawful notice that the undersigned seeks a billing error resolution pursuant to 12 CFR 1026.13 due to the following facts : XXXX. The billing error in regard to previous CFPB complaint # XXXX wasn't resolved, nor was the claimant given any reason from CFPB for why the complaint was closed without any resolution.
XXXX. TD AUTO FINANCE LLC failed to address the issue of the misapplied payment and sent in the agreement contract to the claimant, the claimant wasn't denying that he/she signed the contract XXXX. The claimant is now seeking a resolution for the second time as TD AUTO FINANCE LLC continues to ignore the billing error XXXX further, I have noticed several billing errors in the Truth-in-Lending disclosures section of the Retail Installment Contract and Security Agreement.
XXXX. These errors as well as the number of payments seem to be inaccurate on the Payment Schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( XXXX ) refers consumes to the creditor or ( XXXX ) is affiliated with the creditor by common control, contract, or business arrangement. Under Regulation Z also known as truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me.
XXXX. Following closer research regarding TD AUTO FINANCE LLC ACCOUNT # XXXX, the claimant determines that the respondent is conducting business in violation of both regulations Z and XXXX of the Truth in Lending Act XXXX. The demand is made that TD AUTO FINANCE LLC produces the original wet inked signature instrument, which will prove if this said instrument was securitized.
|
| 09/08/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
My wife and I opened an account through TD Bank, NA XXXX Renovate in late XXXX. I began making payments and in XXXX of XXXX made XXXX payments ; which made it so I was paying on the balance a full month before the payment was due. On XX/XX/XXXX a payment was due and I had already paid it on XX/XX/XXXX. I went online to make a payment again on XX/XX/XXXX ( for the upcoming XX/XX/XXXX bill that would be due XXXX and discovered TD Bank applied a {$25.00} late fee to my account. When I contacted the bank, I was told by a representative that as far as the company was concerned, I had just made an extra payment during one billing cycle and they didn't recognize it as paying ahead or paying prior to the upcoming due date. The representative told me if I didn't pay it exactly how they told me to, one payment per each defined billing cycle, then TD Bank would continue to assess late fees against me. The representative agreed to reverse the late fee " as a one time courtesy '' ( their words ) even though, as I pointed out to them, I had not made a late payment and was actually a month ahead on my payments.
I believe this company is engaging in predatory practices. They are punishing me for attempting to pay off my balance ahead of time and for trying to keep ahead of due dates by paying early. Also, as part of the agreement, it is a requirement I pay the balance by a certain date and with no late payments in order to avoid accumulated deferred interest. I believe TD Bank, NA is trying to use this practice to say I made a late payment so they can then assess all of the deferred interest charges against me and raise my rate from 0 % to the extremely high interest rate the card normally carries.
I have had countless other loans in the past thirty years and have used this same method to pay them off early and to avoid missing or being late on payments ; no other company has EVER told me I couldn't make early or extra payments and they certainly have not tried to assess fees on me for doing so.
|
| 03/22/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I am contacting you for assistance in initiating a dispute with TD Bank in regards to excessive overdraft fees. I have a checking account with TD Bank and I am enrolled in TD Bank Overdraft Protection Coverage. However, TD Bank has been for a long time abusing this enrollment and excessively charging me fees. TD Bank does not properly allow their clients to be aware there are pending transactions on an account due to their outdated processing system which can take even up to three days to reflect an instant debt transaction on an account. TD Bank on Saturday and Sunday do not reflect any transactions not even as pending, then on either Monday or Tuesday they process transactions since Friday night and they are not processed in chronological order so they deduct from all those days ll at once starting with the transaction with the highest amount leading to multiple overdraft fees for transactions that were done when the balance was available.
I was informed by multiple representatives of TD Bank that if an account goes into overdraft and the account is brought to a positive state on the same day by XXXX XXXX Eastern Standard Time an overdraft fee will not be applied. On Tuesday, XXXX XXXX, 2016 my account went into negative standing, However on the same day I made a deposit of {$22.00} at XXXX XXXX EST. which brought the account to a positive standing of {$0.00}, my receipt also reflects this. TD Bank charged me XXXX over draft fees of {$35.00} each. I believe it is unfair and misleading that TD Bank does this because there is no way for me to reference my transactions with them. Since this bank is not updating their processing system as mandated I can only go by the information that is provided. As I stated above my balance reflected a positive standing within the cut-off period of same-day processing. I attempted to resolve this with TD Bank directly ; I spoke to a manager XXXX in the New Jersey Contact Center but they refused to assist me and they were extremely hostile with me.
|
| 09/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a personal checking account with a small overdraft protection credit line with TD Bank. I've had this account for close to 30 years. It was set up to autopay every month on time and has never been a problem until recently. I recently learned that TD Bank had erroneously reported to the credit bureaus that there was a late payment in XX/XX/ that was more than 30 days late. First, that shouldn't be possible since it autopays each month. Second, that is absolutely false, because I checked the account statement and confirmed that the account WAS, in fact paid every month on time. During, before, and after the time in question, the following payments were made on time and in amounts equal to or exceeding the minimum payment due : {$36.00} on XX/XX/ ; {$35.00} on XX/XX/ ; {$34.00} on XX/XX/ ; {$950.00} on XX/XX/ ( to pay the total balance in full ).
Clearly, there was some error on TD Bank 's end. Again, the account was set to automatically make the minimum payment on time, and that had not previously been a problem. Moreover, TD 's own records and statements show that the account actually WAS paid on time, so their reports to the credit bureaus were wrong. Please see the attached activity report of my TD Bank account that shows monthly payments have been consistently made and none were missed.
This has caused me financial hardship.
TD Bank should make sure that ALL of my credit reports are repaired and that the account is reported as current, good standing, and paid in time with all bureaus ( XXXX, XXXX, XXXX, etc. ). TD Bank should make sure that the account does not have any late payment or other potentially negative information. TD Bank should also credit all fees, late charges, interest, transfer charges, etc. and provide me with some sort of compensation for my wasted time and for recent credit applications being rejected ( their error caused my credit score to drop from over XXXX to XXXX ). I had applied for a credit line increase and a refinance, which were rejected.
|
| 07/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I had a TD Bank credit card that was never used, other than a recurring payment to XXXX. When it expired, and they sent a replacement, I never even activated it, as I never used it ( I had XXXX cash-back cards with other banks that I used ). Since I never used it, and it was setup on auto-pay, I never looked at the account. In XX/XX/2023, I logged on, and saw that they let XXXX fraudulent transactions through without catching them as atypical behavior. ( BTW, I work in financial risk management ) I disputed the transactions and closed the account. The disputes were investigated and determined to be fraud, and I ultimately received a check for the balance of the closed account. I shredded the card which still had the sticker on it since I never activated it or used it.
In XX/XX/2023, I received an email indicating that I had a charge on the account in XXXX and a balance due. The charge payee name was a variation of the XXXX slightly variating fraud charges from XXXX. I contacted TD Bank regarding the charge that occurred 3 months after the account was CLOSED. After many calls and being told that I needed to go into a branch to be authenticated a few times ( BTW, there are no branches in the XXXX XXXX area where I live ). I did reach a competent person who acknowledged the account was closed in XXXX ( as do all the credit agencies ) had no explanation for how a charge could hit an account that had been closed for 3 months, and opened a fraud dispute. I received the dispute research results, and they determined that there was no fraud. HOW IS THIS POSSIBLE? The account was closed and only used for the XXXX recurring charge for over a year prior. It is bad enough their fraud detection processes are so poor they didnt catch the blatant atypical behavior on the early fraud charges, but to allow a new ( non-recurring ) charge on an account that had been closed for 3 months, and then their fraud research is so incompetent as to determine that it was a legitimate charge is unbelievable!
|
| 07/11/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
- Problem with customer service
|
|
Web |
|
|
In XXXX I opened a TD BANK checking account ( AC # is attached to a picture ) in the Town/ City of XXXX XXXX , NY . I worked in the area for the summer and it was the closest bank to where I lived, about a XXXX - XXXX minute walk to be exact. I got my account on XX/XX/XXXX ( I will attach images to prove this fact ), and I got a checking account as well as a savings account with them. About a year passed while in XXXX I saw that there was a hold on my account and I could not get to use my debit card or use my XXXX account and I don't have access to my login anymore either, I called the bank and they said I had to come into the branch to get the issue sorted out. I kindly informed them that would be impossible for me because of the whole covid 19 pandemic I was not able to travel. They were adamant that I need to physically come into the branch to fix to issue. Fast forward to XXXX when I finally get back a chance to come to the USA, I immediately go to visit the TD bank branch I had signed up in XXXX, and to my surprise, the bank was not there anymore they had discontinued that branch. So I went to go visit the TD banks in XXXX and XXXX. Both branches told me that my account was closed out. So I ask them where the money was that was in my account. I had a total of approximately {$4000.00} USD in my accounts the last time a checked before they locked me out. {$2000.00} in checking and {$2000.00} in savings. They told me that I should have gotten a check mailed to my address on file and when I informed them I did not receive a check they are giving me a number to call ( XXXX ) XXXX saying that's the demarketing department when I call the number it brings me to an automated voice system that takes your message, promises to call back in 2 days and never does ..when I return to the branches informing them that nothing happens when I call the number and that I need help to get my money back they are telling me there is nothing they can do so at this point I think TD bank stole my money.
|
| 11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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I was a Target RedCard member since XX/XX/XXXX and always paid my bill on time, in excess of the minimum payment. In XX/XX/XXXX, RedCard returned my XX/XX/XXXX payment of {$26.00} and the reason given was " Payment Reversal - Backdate ''. A notification was mailed to my husbands new address. He is XXXX XXXX XXXX than me, and I received it way after. As a result, for six weeks I thought my RedCard account was paid in full. During this time, RedCard Services reported my account delinquent, reduced my credit limit from {$500.00} to {$200.00}, and sent notice to my husband 's new address. Based only on Target 's report, two more creditors reduced my credit limits, which in turn reduced my overall debt-to-credit ratio and reduced my credit score by more than 100 points overnight.
I contacted RedCard Services in XX/XX/XXXX to update with my new address, when I learned of the late payment, the reduction in credit, and the delinquent payment reported to the credit bureaus. RedCard refused to accept responsibility for anything or remove the hit from my credit report. I was told I am responsible for the address update, and if not me, the post office, but not Target. I changed my address with Target RedCard and the post office in XX/XX/XXXX when I moved. Red Card told me that it understood I didn't like the decision, but it was not going to change. I was then told I was arguing with the guy responsible for reporting to the credit bureaus. I asked him to repeat what he said, and I asked what he meant, but he hung up.
I am extremely disappointed with Target RedCard Services. As a result of their actions, my credit rating has been hit hard. I am no longer able to get the home financing I hoped for. Corporate America steps all over the little guy and does not care because I earn less than {$30000.00} annually. Shame on Target RedCard Services. I will never recommend Target RedCard or Target to anyone. Please share this with anyone wanting to shop at Target for Christmas. Help me fight back.
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| 01/04/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
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|
Web |
|
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On XX/XX/XXXX I closed on a loan with TD Bank XXXX XXXX XXXX XXXX XXXX, Pa. XXXX. The loan was in the amount of {$220000.00}. Which the following was to paid out to creditors : XXXX XXXX XXXX {$110000.00} XXXX Credit Card {$9400.00} XXXX {$2300.00} XXXX {$1900.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX {$67000.00} Total {$190000.00} Check to Borrower {$31000.00} Total Loan {$220000.00} Payments were suppose to be made to the creditors 10 days from settlement. However only the credit cards were paid. XXXX, XXXX, and XXXX XXXX were all paid on XX/XX/XXXX. XXXX XXXX XXXX and XXXX have n't been paid as of the writing of this complaint XX/XX/XXXX.
I have been in contact with TD Bank, XXXX, and XXXX XXXX XXXX multiple times. TD said they sent the checks out on XX/XX/XXXX. But they did n't get a tracking number from XXXX. I did receive a call from TD Bank on XX/XX/XXXX that XXXX XXXX XXXX sent the check back to the TD Branch by mistake and I was told that it was resent to XXXX XXXX XXXX. However the funds still have n't been applied to the payoff of the loan and when I call XXXX XXXX XXXX they have no evidence that this happened. XXXX still has no record of any payment for the payoff.
At this point I 've been charged for principal and interest on the new TD Loan and they took payment out of my checking account on XX/XX/XXXX in the amount of {$1500.00}. I 'm also being charged for the loans for XXXX XXXX XXXX and XXXX which should have been paid off before the new TD payment took affect. I 'm lucky I caught that the payments were n't made by TD Bank or these loans would have gone to collections and affected by credit rating. All along TD Bank had no idea that the loans were n't paid off.
I do n't think there 's any sense of urgency from TD Bank to fix the issues, while I 'm out about {$800.00} in extra interest and penalties and this number is growing.
Any help to get the XXXX and XXXX loans paid off and refund me charges that are n't my responsibility would be much appreciated.
|
| 11/06/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
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I opened at Target Red Card ( Credit ) online at the suggestion of the website that I could use the card immediately on a difficult to find toy that quickly goes out of stock. I applied, was approved and was told to click a link to use my card right away. I followed the instructions and was directed back to Target 's shopping website, and found that I was not able to use the card for purchases. I called their credit card assistance line and explained the issue to a customer representative who did n't seem to speak or understand English proficiently. He suggested I use another form of payment. I explained that I would not have opened the card if I wanted to do that. He asked if he could put me on hold to assist me after explaining the issue several times. After being on hold for about 15 minutes, the phone was picked up by who I believed to be the same man. He then proceeded to tell me he did n't know who I was and act like he had n't talked to me saying he needed to transfer me and I had to start all over. He then transferred me to the same automated line that I used to call him initially, even after my request to speak to the person who placed me on hold. I again followed the prompts for the automated line and this time spoke to a woman who seemed to understand me even less, I explained the problem several times and felt like she did n't understand. She also recommended that I use a different form of payment. I was told to call back tomorrow after I 'd been on the phone for over an hour. The item was out of stock again by the time I hung up. I received an email saying I was approved and could use the card in 7-10 days after it came in the mail. I then tried to speak to two more representatives in the online ordering department who denied that they could assist me in charging the item to the new account and also urged me to use a different form of payment. I was told that I had to keep checking on line for the item to come back in stock then call to use the card at a later time.
|
| 04/06/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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We have had a TD HELOC with a XXXX year draw period and a XXXX year renewal. ( This 5 year renewal product is no longer offered by TD ). As we approached the renewal ( XXXX XXXX, XXXX ), TD sent us a letter informing the we needed to submit last XXXX years income verification. My husband is XXXX employed and his XXXX tax returns were not yet available.
We called several times to discuss requirements. With each call, there was no record of our previous call. On XXXX XXXX, we received final notification indicating that all paperwork needed to be filed by XXXX XXXX, XXXX ( 3 Business Days ). Due to holidays, we missed the deadline and were told that the exception could NOT be made. This experience was surprising due to the Office of the Comptroller of Currency ( OCC ) guidelines on Home Equity Lines of Credit Nearing their End-Of-Draw period : Contacting borrowers through outreach programs. Management should begin reaching out to borrowers well before their scheduled end-of-draw dates to establish contact, engage in periodic follow-up with borrowers, and respond effectively to issues.
After speaking with several people in the TD Branch network ( XXXX XXXX ), we were told that an exception was possible. ( XXXX indicating that she had difficult time contacting Loan Servicing too ... would not answer phone ).
Last week, we faxed my ( XXXX XXXX ) XXXX years worth of XXXX and XXXX XXXX tax returns. The fax cover letter indicated that XXXX XXXX tax returns would follow.
XXXX we receive a letter from TD, indicating we were denied due to insufficientincome verification. XXXX again, pushing us into a repayment phase.
We have an excellent credit score and significant net worth so if we could find someone to help us, there is no reason for us to renew our draw period for the additional 5 years that are outlined in our note.
We have now applied with our local credit union and anticipate approval shortly ; however, our preference would be to continue with TD for the additional XXXX years.
|
| 07/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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Dear TD Bank, I hope this message finds you well. I am writing to seek your assistance in resolving an issue that I have been experiencing with XXXX. The transaction in question is named " XXXX XXXX XXXX CA {$130.00} '' and took place on XX/XX/2023. This specific information should help you locate the transaction and investigate it accordingly. Unfortunately, XXXX 's refund policies have proven to be quite time-consuming, requiring a significant amount of effort, and have caused me a great deal of stress. Thus, I am reaching out to you in the hopes of finding a more efficient solution. To support my case, I have gathered screenshots that clearly demonstrate the fraudulent actions of the merchant " XXXX. '' These screenshots provide evidence that he scammed me out of my money by failing to deliver the promised product, an " Australian Cattle Dog puppy ''. Moreover, when I attempted to contact him through my primary phone number, he blocked me and claimed that I had messaged the wrong number. In my last attempt to communicate with him in good faith, I used an alternate phone number, only to receive vulgar and explicit language and photos in response. I must emphasize that these explicit images were sent by XXXX and were not solicited by me. Given the severity of this situation and the detrimental effect it has had on me, I kindly request that TD Bank not only launch an investigation into this matter but also facilitate a full refund to my credit card from XXXX. I believe it is only fair that I will be reimbursed for the amount I paid to this dishonest merchant. I am prepared to provide you with the factual evidence I have gathered through the aforementioned screenshots. Please review these screenshots in the order they are presented to fully understand the situation and support my request for a refund. Thank you for your attention to this matter. I greatly appreciate your assistance in resolving this issue promptly and ensuring that I am refunded the full amount. Sincerely, XXXX.
|
| 08/27/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
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|
Web |
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|
Hi, my name is XXXX lent and I have a serious issue with td bank and my home equity line of XXXX received the loan account number XXXX on XX/XX/XXXX.everything was well until XXXX, XXXX and XXXX of XXXX and here is what happened, I noticed on my XXXX statement that my account was in arrears, I called td bank customer service XXXX to find out what happened, and together we figured out that the branch were I got the loan had closed, and my payments were never forwarded to the proper place.so I understood and remade the payments with a check from my ready cash loc from my personal institute, hvfcu.i was told all fixed, but then on my next statement it said I was still behind, so I called again this time to be told they do n't take checks from a line of credit? what is going on they do n't know there own policies.paid again with my debit card and received a new address to send my bill pay payments which I use for all my bills including this XXXX from the start.i have proof I 've never missed a payment.bank statements to prove it.all was good until XXXX XXXX when a loan XXXX called to say I needed to refinance this loan for the next XXXX year draw and interest only pay period, well thanks to td bank I was reported to the credit bureau that I missed these payments and could not refinance.wich I was never made aware of, I was told it was a XXXX year draw and interest only loan.now the payment went from XXXX to XXXX and by the way we raised your interest rate to XXXX percent from XXXX. I have made several attempts to resolve this over the phone and in person. I was even told I was not a customer by a mr.dewight gillens of the XXXX, XXXX, ny XXXX and was told to leave he would not look at my statements.also was giving a name and number of someone who I was told was handling this case, XXXX crow phone # XXXX whom has never once answered my calls or called me back.please help me, save my home from this obvious predatory lending.next step is a lawsuit with the help of my attorney XXXX XXXX
|
| 04/08/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I had a basic checking account with T.D. Bank in XXXX, XXXX. I was told when i opened the account that, if i chose i could allow overdrafts on the account with no fee if repaid within 10 days or something like that. I told them no, i absolutely did not want that service on the account, and was told i then had overdraft protection and could not overdraft on this account. Because of personal unforseen circumstances i was forced to move from the area unexpectedly. The last time i used my debit card i had around XXXX $ left in the account. Not having access to the bank in any way, shape, or form, i assumed the account would simply be closed. Now i have settled in XXXX and been denied a checking account on the basis of a report from " XXXX '' which claims that my account at TD. Bank was overdrawn by an amount of XXXX cents!! Needless to say they then of course added their standard fee of XXXX more dollars to that for a total of {$35.00}. I then called the branch where i opened the account to find out how this even happened, and how i could resolve the problem if possible. I was told that once an account is charged off there is no information about the account on file except the amount owed, and that i could only pay the amount due in person. Being in XXXX XXXX there are no branches of TD. Bank so i asked if my brother or sister could do that for me and was told yes they could provided they had my account number and s.s. number. My sister went and attempted to do that for me and was told she couldnt do that without power of attorney! This whole situation is totally ridiculous! I also requested my report from chex systems, which was supposed to take 5 business days, and ended up taking 3 weeks, and it told me absolutely nothing other than being reported by TD.Bank for the overdraft. I really feel like both TD. Bank and XXXX are wrong and pretty shady. I know that chex systems reports anything reported to them without any type of proof or documentation. That in and of itself is wrong.
|
| 06/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
XXXX XXXX XXXX, my wife and I have been using our TD Bank accounts for direct deposit by our employers, and for about five years, we have also used TD for almost all our transactions. Still, recently, we had a very disappointing experience with TD : On XX/XX/2023, we could use neither of our accounts.
On XX/XX/XXXX, we went to a TD branch to find the reason. We were told all our accounts were closed by TDs demarketing office and that we would receive a check soon, but they could not tell us why.
On XX/XX/XXXX, we received letters ( issued on XX/XX/XXXX ) stating our accounts ( including our credit account ) were closed, not explaining the reason.
On XX/XX/XXXX, TD opened new savings & credit accounts for us.
On XX/XX/XXXX, we received checks for all our closed accounts.
On XX/XX/XXXX, after our multiple follow-ups, TD demarketing office called us and said the reason was we had not updated them on identification documents, but now our profile appears fixed and ok. [ Fake claim ; I had never received a notification on the required ID document update, but my wife had received such a notification and had addressed it by walking into a branch in person and resubmitting IDs. ] Despite they caused the closure of our accounts for unclear reasons, and no timely notification, they were unable to guide us on who should repair our credit hit ( due to our credit account closure ).
Our main expectation is that " TD follows and repairs our credit '' As secondary concerns, we still expect : 1. To know the clear reason ( s ) that TD closed our accounts.
2. To know why after account closure, TD agreed to reopen new accounts for us if TD had a solid reason to close our accounts ( you can see in the notification letter we have determined that we can no longer renew or offer you any new accounts and/or services in the future. ) 3. To know why TD did not use faster notification services like email or special mail.
4. Compensation for the time and troubles we had with our pending payments.
|
| 05/30/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I opened an account with TDRetail in XXXX. I have encountered job loss and job change yet continued paying my account. I communicated extensively with TDRetail the entire duration of my account usage ; I formally requested hardship consideration to be able to pay my account off under the deferred interest period - request was for an additional 30 - 45 days. I received no response from TDRetail for over 4 months even though I continued to inquire regarding my request, I continued payments on my account. Finally, after several inquiries on my part and no response, then TDRetail denied my request. Once XX/XX/XXXX arrived and I had paid ~ {$2500.00} on the principal ( original purchase ) and ~ {$1000.00} in interest - I prepared a dispute of the remainder of the debt showing as exorbitant predatory interest, including in writing and verbally during phone calls that my last payment was my final as an accord and satisfaction. Now TDRetail is calling a mailing me incessantly, and negatively reporting on my credit.
Getting a line of credit - TDRetail lowered my credit limit, now reporting negatively on my credit ( confusing advertising or marketing, credit denied ) Problem when making payments - Although I endured financial challenges I paid my account- I communicated extensively with TDRetail ( billing, privacy issues ) Struggling to pay your loan - Although I was in XXXX XXXX, I paid my TDRetail account ( payment plan, repossession, bankruptcy ) Problem with the payoff process at the end of the loan - TDRetail is charging my exhorbitant interest although I have paid principal and interest to finalize the debt ( refinancing, extending loan ) Charged fees or interest you didn't expect - TDRetail is adding exorbitant predatory interest charges to my account Problem with additional add-on products or services Problem with cash advance Credit limit changed - TDRetail lowed my credit limit Problem with credit report or credit score - TDRetail is negatively reporting against my credit
|
| 01/25/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
i bought a XXXXXXXX XXXX XXXX XXXX XXXX in XXXX XXXX XX/XX/XXXX came and went and no bill. i finally got a bill in XX/XX/XXXX and they were charging me interest for XXXX bill that i never got. i clled them on XXXX XX/XX/XXXX and was trying to pay the who ; e item off. and they refused to except my credit card payment. which under the ucc 3-603, the bill is considered discharged/payed off. i called them again XXXX XX/XX/XXXX and XXXX XXXX XXXX i told them that the bill is considered payed off when you refuse to except my payment. and again they refused to take the credit card payment. so on XXXX XX/XX/XXXX i get a call from admin recovery XXXX XXXX at XXXX XXXX. i had not even gotten a letter from him. first of all the call was left on my friends house phone with information about the debt that was personal. then when i called XXXX XXXX when i was wanting more time to think about all my options he started to treaten me with my credit, and also said he would call his clients and let them do what ever they wanted to do next. the clienst is not XXXX but td retail card servies/td bank. they do not have a license to do business in alaska. i am also an XXXX ( XXXX ). so there is elder abuse here.XXXX XXXX has a license to do business in alaska but the place in XXXX ak has no one in the office. this office is being run by a company in XXXX XXXX nv. they only come to ak once a month if that. i was under pressure to make a decission right then. i was not allowed to wait my 30 days under the law, so i payed them {$1000.00} on a credit card that i did not have to pay because it was already discharged under the ucc 3-603. XXXX XXXX told me that td bank does except credit and debt card payments. i have the recording from all of them. td bank and XXXX XXXX. i have the papers the i have kept. also td bank after six months must discharge the debt. thats their law. i have stuff i can send you in the mail. i have no way of putting it on my computer. i don't know how to attach it to the file.
|
| 03/24/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
The TD Bank in XXXX, NY ( well TD in general ) has no idea what they are doing! I 've had a few accounts with them and at one point they were closed due to being negative, overdraft etc. I have since taken care of each of them and somehow now they have NO RECORD of it. Not only that but with my last account they was some fraud activity and I was never notified of the issue but the account was placed on HOLD. When I noticed the account was on HOLD I then called and spoke to an agent who transferred me to the fraud department. I was then advised the best for me to do was to take care of the negative balance which was {$50.00} and then closed the account and reopen a new one.I was not advised of any time frame, in fact, I was advised to go into a branch once I received the refunds I was waiting for since they would cover the negative balance.Since this all happened around the holidays I did place everything on HOLD till after the holidays. Since then I have been in this branch several times and not ONE person has been able to assistant me with this issue. One they are claiming not see any notes from the first agent stating what my " due balance '' is ( which I ca n't seem to understand because the first rep I spoke to was able to locate the notes. And I would think everyone has access to the same notes and files ) This back and forth with them has been ongoing for months and no one has helped not even a small bit. They have actually kept $ XXXX and something dollars from me ( which I should say STOLE ) with no valid explanation1 I have tried to contact their corporate office via email and via XXXX and no one has replied. I think this is ridiculous that they are getting away with the things they are doing. It 's not fair that I am paying for their XXXX. And now because of their XXXX, this is showing up on XXXX report and preventing me from opening any future account. I would greatly appreciate it if someone got back to me with some of solution for this problem.
Thank you, XXXX
|
| 11/05/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
I was sent a letter on XX/XX/XXXX ; from XXXX XXXX., A professional XXXX XXXX, XXXX, CA XXXX ; stating I owe : {$6000.00} from TD Bank USA, N.A. ; account # : XXXX XXXX. I will first state ; the last payment made on this account was XX/XX/XXXX, the account was Charged Off on XX/XX/XXXX and closed, this account was removed from all XXXX of the major credit reporting agencies in XX/XX/XXXX, Experian removed it : XX/XX/XXXX.
XX/XX/XXXX ; the above law office sends past bill notices and also they sent me a " Judgement by Default '' dated XX/XX/XXXX ; in which I NEVER knew about, NO ONE EVER HAD ME SERVED, AND THIS IS THE FIRST I HAVE SEEN OF THIS court document. Case # : XXXX.
I would like to know, how can Target get a judgement on me in XX/XX/XXXX, after they Charged Off this account, and AGAIN, this account was removed from my credit reports in XX/XX/XXXX and in XX/XX/XXXX.
I responded to their first letter on : XX/XX/XXXX ; stating the 7-year diary has came and gone in XX/XX/XXXX ; the account has been removed from my credit reports, and trying to collect on an account after the 7-year diary is protecting me, this is not legal and I would like them to close the account from their files.
This is when they followed up with their letter on : XX/XX/XXXX ; showing a default judgement for XX/XX/XXXX ; in which again, I was NEVER notified of being " sued for a judgement '' and I was NEVER notified of a court date.
What I do know is, Target charged off this account. XXXX removed this account in XX/XX/XXXX. XXXX and XXXX removed it in XX/XX/XXXX
XXXX Credit report dated on : XX/XX/XXXX is stating and showing ; Target " Charged Off '' and " Closed '' this account on : XX/XX/XXXX. Getting a Judgement on me in XX/XX/XXXX ; 2 years later and now a Law firm is contacting me to collect a debit, that is over 7 years old, this is illegal.
Please help me with this matter. I do not have a scanner to scan my documents, but I can fax this to you if you provide me with a fax number.
|
| 02/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Between XX/XX/XXXX and XX/XX/XXXX I made a total of ten payments to two different TD Bank credit cards from my XXXX XXXX XXXX account. The money came out of my account, but was never credited to either TD Bank credit card.
I have contacted both XXXX XXXX XXXX and TD Bank Card Services multiple times. XXXX XXXX XXXX explained to me that the electronic transfers came out of my account and gave me proof of the electronic payment made to TD Bank. TD Bank Card Services has been extremely difficult to deal with, and seems to have no record of any of these payments. Additionally, I have to explain the entire situation to a new person every time I get on the phone. On XX/XX/XXXX, after hours on the phone with TD Card Services, a representative asked me to send a paper letter with the print outs of the proof of electronic payment. I did so on XX/XX/XXXX When I followed up by phone multiple times, no one seemed to know what I was talking about.
The total amount I have paid to TD Bank credit cards, for which I have proof of electronic payment, is {$2200.00}.
Here are the dates and amounts of the missing payments : XX/XX/XXXX for {$280.00} to the account ending in XXXX XX/XX/XXXX for {$72.00} to the account ending in XXXX XX/XX/XXXX for {$280.00} to the account ending in XXXX XX/XX/XXXX for {$72.00} to the account ending in XXXX XX/XX/XXXX for {$280.00} to the account ending in XXXX XX/XX/XXXX for {$72.00} to the account ending in XXXX XX/XX/XXXX for {$280.00} to the account ending in XXXX XX/XX/XXXX for {$530.00} to the account ending in XXXX XX/XX/XXXX for {$72.00} to the account ending in XXXX XX/XX/XXXX for {$280.00} to the account ending in XXXX This money that has come out of my bank account, but not been credited to my TD Bank credit cards, has been accruing interest for almost two years. Additionally, I have wanted to pay off both credit cards in full, but I have been unable to because I don't know exactly how much I owe due to the fact that 10 payments were uncredited.
|
| 09/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
We ( XXXXXXXX XXXX XXXX XXXXXXXX ) opened a small business checking account with XXXX XXXX in the year XXXX. Account Number XXXX and XXXX.
We have held this account for almost 20 years including the transformation of XXXX XXXX to TD Bank.
We have never had a problem with our account until XX/XX/XXXX.
In XXXX of XXXX we experienced our monthly checks to our creditors for mortgage, utilities etc were not being paid even though we had deposited the funds into our account.
After hearing from our mortgage holder and several utility companies that they had not received our monthly payments we contacted TD Bank.
A representative from the bank informed us that a partial hold was placed our our account. Meaning that we were able to make deposits but not withdrawals and none of our checks would be able to clear.
After repeated calls ( over 20 ) to the risk management officer, who never returned our calls we spoke with another representative form TD Bank who informed us she had never seen anything like this before.
She stated that a walk in hold was placed on our account. The bank never contacted us by phone, email or regular mail.
This incident caused much harm to our payment history for our creditors and much anguish anguish for our financial team.
Ultimately several people from the ministry went into a branch office and met with a representative who removed the hold from our account and instructed them to close out th account. We were offered the opportunity to open another account with TD Bank.
We closed the account and decided to move to another bank.
We believe that the conduct of TD Bank was a violation of our consumer rights, the right to due process and our civil rights as a XXXX organization.
We received no notification concerning this hold and no documentation. To this day no one has taken responsibility for these events.
We are asking for acknowledgment from the bank for their actions and that the bank be sanctioned and or penalized accordingly.
|
| 04/20/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
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I used to have a credit card for Nordstrom 's. A store I used to love. The card is issued through TD BANK. I lost my card on a flight, or at the airport, then my card was used in XXXX XXXX, Ca. I do not live in California and do not jump states to shop. I advised Nordstrom 's credit department of the fraud and they began a dispute. Initially, the dispute was resolved in my favor, as it should be. At the last minute, the decision was reversed and I was told I was the person who made the purchases. I know I did not. I was told that someone XXXX who looked like the person on my DL was in the store. I was not only offended, but this was right before the United States began to really face and evaluate the racism that companies, schools, and government institutions benefit from in a systemically XXXX world. At the time I was appalled, offended, and embarrassed that I was, in this decade being told that all XXXX people look alike essentially. I was told this by a customer service or disputes manager after I asked to be escalated because the original representative tasked to help me come off as rude, defensive, and honestly treated me like a criminal. I was hurt and now this balance, a balance I did not charge is not only in collections, but it is ruining my life. I not only experienced terrible customer service but to treated in a way that made me feel inferior was and is unacceptable. TD BANK and Nordstroms decided to send this balance to collections, it is not at a 3rd part company that harasses me and has reported on my credit. I am not a giant company, but at this point, it is me against them. I offered to file a police report at the time, and the manager basically laughed me off the phone. I said I could easily contact the local XXXX police to file one because I know for 100 % fact that I did not make the charges they accused me of. This has been very difficult for me and has caused me enough mental distress. I really need this conapny to step up and in and do what is right.
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| 06/26/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
Older American |
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Original complain still not resolved, have left messages for XXXX XXXX at TD BANK tel XXXX and he DOES NOT return my calls :. Complaint number : XXXX, Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX, Product : Checking or savings account Issue : Managing an account As explained on my original complain 15 days ago, I have not been able to access my account, it has been locked and was told I have to be at the bank to get it unlocked, I went to the TD Branch located at XXXX XXXX XXXX XXXX, I identified myself and explain the problem, the lady told me she needed to call their office, we were put on hold for more than 1/2 hour, I told her she already had my information to unlock the account and that I could not wait any longer since I had my ride waiting outside ( I am a XXXX person with no transportation ). She told me I had to be present for her to proceed. I filed the complain with your agency CFPB on the XXXX of XXXX, and last Friday I got a voicemail from the above gentleman, not to tell me the account was unlocked but that he needed me to return his call. I have been trying to reach this person and left him several voicemails and he has not returned my calls. Bottom line, the problem still persist and I have not been able to access the account on line, not by phone and can not even get my bank statements. I AM A XXXX PERSON AND I FEEL I AM BEEN DISCRIMINATED AGAINST BY THE INTERNAL POLICIES OF THIS BANK UNDER THE XXXX XXXX XXXX XXXX SINCE I CAN NOT GO TO THE BRANCH BY MYSELF TO RESOLVE THIS PROBLEM AND I HAVE NO METHOD OF TRANSPORTATION I received an email that your agency was informed that the problem had been solved, which is a lie. This morning I call your toll free number and was told that according to the record, the complain was closed and there was nothing else that CFPB could do, so I contacted my Senator to address the lack of enforcement action by CFPB Once again I need CFPB to continue tol address this existing issue with the bank.
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| 06/11/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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In XX/XX/2020 I took advantage of an offer on TargetXXXX to open an account. I then charged roughly {XXXX} to the card. I had NO communication with the bank until I called the bank in XXXX after being notified of a change to my credit bureau file by a third party. I then immediately contacted the customer service department and was told they needed to update my address, would take a payment for the full amount then waive the interest and late fees. The agent then proceeded to tell me that they city in my address was wrong but that he could not update that and the only thing he could do is attempt to send a card and replacement statements to me at the address they had on file. This was supposed to leave me with a XXXX} balance and have a card and statements on the way to me. After a few more months I logged into my third party account to check my credit for any changes and found a 30-59 days late notification for the XXXX statement. I still have not received ANY communication from the bank since I opened the account except for contact I initiated via the phone calls. I was very surprised considering I was told the balance was taken care of and not further payment was needed. After speaking to several people I found out that again I missed a payment, no statement received, and would need to make a payment for XXXX}. I asked to speak with a collections rep I updated the address to include the correct city then I asked for a fee waiver and then a supervisor. The supervisor told me she would not be waiving the interest charges due to the fact that I didn't contact them in XXXX or XXXX to make the payment for the remaining balance and that a 1 time courtesy credit for fees and interest was already given to me. I don't know why I am not receiving statements but it probably has something to do with the address on the account showing the wrong city. I explained that I live in a rural area of Utah and that if the post office received mail with the wrong city it OFTEN never arrives.
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| 11/27/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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|
Web |
Older American |
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I left the U.S. in early XXXX to spend the summer in XXXX. I returned in early XXXX. During this time I had an outstanding balance on my XXXX XXXX credit card of {$46.00} which was the final payment in a promotional offer I took advantage of earlier in the year. It being the final payment it was an odd amount that was different from the previous automatic payments I had set up. I was not receiving monthly statements so when I arrived in XXXX I checked my balance in order to pay the balance in full which I did. In spite of the fact that the payment was made in full I was charged {$24.00} in deferred interest however this deferred interest did not appear on the total balance due which was posted when I checked on line so I was unaware that there was anything further due until I returned home and looked at the XXXX statement which now is up to {$53.00}. If the interest had been applied when it became due I would have been aware of it when I checked the balance and I could have handled it then. Upon speaking with a representative I was told that if I had called in XXXX they could have removed the charge but because I waited until XXXX there was nothing they could do. I was told I could fax my complaint but I don't have a fax ( haven't had one in 10 years ). I was told they could not go back more than 60 days over the phone so I was left with no other alternative than to submit this complaint to the CFPB for resolution. Whatever the miscommunication was that resulted in this, I do not think it's fair that I should be penalized {$53.00}. If the deferred interest had been posted in a timely manner it could have saved the confusion. Thank you for your help in getting this resolved. I would also like to make sure that my credit rating does not reflect this error. If you check you will see that I am very responsible with handling any outstanding debt that I take on and it would be extremely unfair for this to be used against me. Again, thank you in advance for your help. XXXX XXXX
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| 02/13/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Servicemember |
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XXXX XXXX XXXX Fraud dispute information I noticed on my credit card online statement that a charge was put through that I did not put authorize. I called the bank immediately and told them that this was not my charge and this was a fraudulent charge. According to my direction the bank shut down that card and sent me a new one and informed me that they were filing a dispute and for me to look for documents in the mail from them in 7 to 10 days. When the documents never came in the mail I called them and was told that they didnt send out the dispute forms till the XX/XX/XXXX. This didnt sound right to me because I originally called them on the XX/XX/XXXX the same day the fraudulent charge appeared. I waited the 10 days and never received any documentation from them at this time. I was approximately 3 weeks out from the original call and still getting nowhere. I did have frequent conversations with the card company during this whole time. I called the direct line for the dispute department XX/XX/XXXX at that time and they told me there was no record of any dispute being filed. I was surprised to hear this because I had been on the phone many times with the credit card company over this and all the while they would assure me that they were taking care of this for me. No resolution so far and there is still a {$9200.00} charge on my credit card that I didnt put on the card. The lady from the dispute department that I called today XX/XX/XXXX assured me that she would file the dispute and that I should get a letter in 7-10 days. I have lost faith in this company because I have gotten the run around so many times. Here is a listing of the fraudulent charge and the dates and times spent on the phone with the credit card company ( enclosed document ). My credit rating was up around 800 before this happened and it took many years to get it to that level, now to be blown away by something I didnt do and a company that didnt seem to care about filing the paperwork or doing their job.
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| 08/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/2023 and XX/XX/2023 XXXX fraudulent charges were made in my TD bank Visa card in the amounts of {$2200.00} and {$1900.00}. I saw the charges on the XXXX and immediately called the credit card customer service to report the fraudulent charges and locked my card. The charges were made by some XXXX XXXX in Colorado. I live in XXXX XXXX and have never been to Colorado nor have I left the XXXX XXXX since XXXX. A charge in XXXX XXXX, NJ ( where I purchased gasoline ) was the last purchase I approved and made ( this was made the same day the charge in Colorado was made ). I also informed the credit card company that I never received any type of call or text to approve such a large amount of charge, which most companies do. I have not made a charge that large on that card and that shouldve raised a red flag on their end. They temporarily refunded me the amount and then recharged the amount saying the charges were made chip on chip. I have called numerous times since XXXX to keep reporting and stating that I never made that purchase and keep requesting documentation of their proof because I can prove I was never in Colorado I was at work that day in NEW JERSEY. Its been 3 months now and several calls to them and nothing has been resolved nor I have received any documentation of how they came to the conclusion that the purchase was not fraudulent. Ive had the account for several years now and have never reported a fraudulent charge or tried to get away with something like this. My card is accumulating interest now on a charge I did not make and my credit score has dropped because of this lump of debt sitting there. I am extremely frustrated and upset and do not know what else to do to resolve this issue. I did not make these purchases that add up to over XXXX XXXX dollars and I demand to be reimbursed. I have never in my life experienced such terrible customer service or stress from a credit card company that is refusing to help a loyal customer that is a victim of fraud.
|
| 06/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Target Red card has made several mistakes and has been grossly incompetent in handling my account. I have entered a settlement agreement and the 1st once was cancelled because late fees were not credited. The 2nd one was cancelled because the agent did not enter my bank information correctly, even though I read it back to the agent twice. Upon calling to set up a 3rd settlement, the agent informed me that making one would charge off the account, something the other agents did not disclose to me. So today XX/XX/19 I called back again and reached an agent who was anything but helpful. Come to find out I had a " cease and desist '' on my account, something that would have prevented further paperwork from being sent, and also she stated having this makes it " harder for them to help me ''. She also stated that " I should have known I had a cease and desist '' and it is " not our job to tell you this '' and None of the 3 agents I spoke to informed me I had this on my account. When I informed her about not knowing that a settlement would charge off my account, she blamed me for " not knowing this '' as if it were common knowledge. When I told her any bank, credit card company or other financial institution would inform a consumer that their action would result in a negative credit action, she told me I am " wrong '' despite having dealt with this in the past. She informed me she would contact the " head of the department '', but snarkily told me " it probably won't change anything '' even though she admitted what this department has done was " a very large mess ''. After informing her that I would be contacting other organizations about this, she told me " I bid you goodnight '' and hung up on me. While I was at Target tonight doing some shopping, I informed a manager about my issues and he said he has been " receiving a large amount of complaints from guests '' on how " idiotically Target Red Card handles guests accounts ''. So it appears I am far from alone in this matter.
|
| 03/01/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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Web |
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I applied and received a Nordstrom signature credit card with an initial limit of XXXX which was later increased to XXXX my first payment was made XXXX in cash and second payment made online was XXXX from my checking account. the card company put a hold on my card after making a full balance payment in XXXX for XXXX and a purchase for XXXX to XXXX. I called the company after I was declined a purchase at XXXX and I was told that they needed to verify information to remove the hold. I had verified the information and the agent informed me that the problem had been remedied. I continued to ask questions as to why this happened, I was told that it was because of the merchant ... also the location of the merchant that triggered this. I proceeded to ask for more information on what triggers these issues .... after that I was transferred to a supervisor for more information ... .. After asking him several questions was told the same thing ... .. at which time he became frustrated with my continued questions then said that I was being put on hold because of an address issue ... .. during the next few calls to the call center I was even told that the I needed 20 days for my payments to clear??? cash payments??? and also I needed to give them address information .... after further calls to the center I was told yet another reason ... now the company is requesting tax information ... when asking was this a common request or what is the policy regarding asking for this information I was told that I would not be given the companies policy ... .. I believe their is an underlying reason and that these different requests are not inline with general policy or how other customers have been treated. I have been given 3 different reasons and after the 1st call the account was supposed to be cleared instead I have believe that the company is finding reasons any reason to block or hold my card. my account is being treated in accordance to how other accounts are handled with this company ...
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| 11/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
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|
Web |
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To whom this concerns There is an Account opened in XXXX that is being reported in accurately to my credit report.
My info is : XXXX XXXX XXXX This account was opened as a result of identity theft and its not mine and is reporting a balance of {$5900.00} It was then sent to collections in early XXXX as I had no knowledge of the account and was getting phone calls from the collection company. I told them it was fraud & sent them information regarding this a fraud repot via email, and they determined that it was identity theft and therefore they stop pursuing the debt and told me it was being sent back to TD Bank for official closure.
Since then I assumed it was resolved but it is still been reported to my credit report I called TD Bank and they said they do not have any information regarding the account on XX/XX/XXXX. I spoke with a representative in the fraud department who opened a global security claim to further research.
I have not heard back from the global security team within TD Bank.
I have added a picture of the account that has been reported to my XXXX and XXXX XXXX profiles as well as the letters Ive sent to The Credit bureau which was them forwarded to TD Bank regarding this.
I do not recall any response through mail which is a huge issue at a violation of the fair credit reporting act since they did not reply with any validation of the account.
Again I thought this issue was resolved since the debt collection company told me in early XXXX that it was determined it was identity theft and being revoked by TD Bank from the collection agency. All of this should be able to be traced within TD banks communications with their debt collection company. I do not understand why the account is still being reported to my credit report even after this has been figured out please delete it as soon as possible from all credit bureaus As they claim theres no record of the account they have withdrawn it from the collections agencys and have failed to verify this.
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| 01/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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|
Web |
|
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My payment is due on the XXXX of each month. On Saturday, XX/XX/XXXX, I logged in to my account with TDBank ( onlineaccessplus.com/tdbank/ ) and noticed they hit me with a late fee on XX/XX/XXXX.
I tried calling, but naturally, they were closed because it was the weekend. I tried calling Monday, XX/XX/XXXX. After being on hold for 47 minutes, my call was disconnected. When I called again later that day when I got off work, they were closed. Tuesday, XX/XX/XXXX, I sent a message through their online center asking why I was assessed a late fee before the payment due date and they indicated they charge fees the day before it is due and then go back and correct if the payment is made? I have an attachment of a screen shot of this.
This is not the first issue I have had with them where they had to correct fees. I feel strongly that this would fall under the " Unfair Deceptive Abusive Acts & Practices '' procedures. So, I made my payment as I normally due, but this late fee issue is something that is a concern and moving forward, now that I am setting up auto pay to come out on the XXXX, I don't want to have to worry about a fee EVERY SINGLE MONTH and then worry about having to check to see if it was corrected.
I have had 4 payments due of {$58.00} since starting this credit balance with TDBank. I was told that payments of {$50.00} would start being due in XXXX. My initial purchase was XX/XX/XXXX. When I tried getting my payment due in XXXX, I was unable to locate anything showing due, so I paid {$50.00} to avoid being " late ''. Since inception, I have paid {$310.00}, all the while, my payments due were only XXXX. This means that my " balance '' should be XXXX. This is a 0 % interest account. As of right now, my balance reflects {$2500.00}.
I spoke to a rep on XX/XX/28, who saw the issue and said they were clearing the 2 late fees assessed from XXXX. However, they waived both late fees and turned around on the SAME DAY and assessed another, when no payment was due.
|
| 11/16/2023 |
Yes |
- Credit card
- Store credit card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
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Good Morning : On XX/XX/XXXX I received a letter from Target Red Card Services saying that I hadn't made a purchase in awhile roughly 8 months with a XXXX balance on my card. Last purchase was on XXXX
The letter stated that if I didn't make a purchase in a few months they would send me another letter reminding me of their closure policy and to allow me to make a purchase to keep the card open and my credit limit of {$4300.00}.
On XX/XX/XXXX I had made a purchase then hand second thoughts cancelled the purchase and the remade the purchase. I ran into a problem which was finally revealed that my credit limit had been reduced by {$3300.00} and that I needed to get a XXXX to release the cancelled amount to make my purchase.
On XXXX I sent an email to the XXXX heads of Target letting them know that I was an infuriated customer and that I expected to have my credit limit put back to {$4300.00}.
I have heard nothing until today when on XX/XX/XXXX I received a letter dated XX/XX/XXXX that basically they were not going to nothing. Sorry, to bad nah nah nah.
Here is the problem in their letter on XX/XX/XXXX they stated and I quote " If there is no new activity in the next few months, an additional correspondence will be sent to you to remind you of our account closure policy, prior to any action being taken. As a reminder your credit limit is {$4300.00}. '' End quote.
the problem is that they did not send me a reminder letter and on XXXX they reduced my credit limit. That in turn hurt my credit score, and my credit rating.
I called Target Rec Card Services the evening of XX/XX/XXXX and talked to a supervisor, who at first I was nice to and then progressively became verbal with because they made the mistake and caused me to have my credit reduced and as I stated to the supervisor, respect gets respect and I felt I wasn't going to or did I get any respect. So none given in return. Ask for the recording that was placed at XXXX XXXX XXXX XXXX ) and lasted for XXXX Minutes.
|
| 10/22/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
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|
Web |
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Hello. Several years ago I was called about a XXXX XXXX card that was opened in Colorado sever years after I stopped living there. The person that opened it up had my social security number, the old address, and some other identifying information on me. I'm not sure who it is, but I told XXXX that the card was fraudulent and they didn't seem to want to do anything about it. I called them back a few times though and got someone who said that they would send me an affidavit I could sign to get rid of the card. I never received it so I called back again and again. I never did recieve it and I'm suspecting that they were sending the thing to the old address they had on file. We tried this about 4 times and then my father ended up having several massive strokes. I didn't have time to deal with the company if they couldn't even get mail sent to my address correctly, so I put things on hold while I took care of him and then forgot about this entirely. I recently went to apply for a house and they said that this account was hurting my credit score by 120 points. I did not get the loan because of it and the house sold.
I am currently working with them again but this is ridiculous. This time they sent me a questionnaire to fill out via email and say they are processing things, but I have no way of contacting them or talking to them about the issue. I just get a random call center person who looks at the status on the screen. It's been processing for several weeks now and I haven't gotten any word back from them. They probably sent more documents to the Colorado address for all I know.
What's crazy is that it is XXXX dollars. I have perfect payment history for everything else I've ever had. I spend almost 700 $ a month at XXXX on Coffee and Lunch but I am done. They won't get another dollar of mine at this point.
Here is the information on the card. I only have the account number.. They wouldn't give me the card number because I didn't open it. lol Account Number : XXXX
|
| 09/15/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
As per the included statements I emptied and closed my account ( # XXXX ) with TD Bank on the XXXX of XXXX 2016 in response to their inability to provide competent service.
At that time I demanded that the account be closed immediately and was assured by the branch manager on site and the attending teller that this was the case.
Post closing of the account I am being advised by TD Bank that there are charges against this account pertaining to the US-XXXX exchange differential. This check was deposited on XXXX XXXX 2016 in the amount of XXXX.
This deposit was made, as I have always understood to be done, with and exchange rate differentials being applied at the time of deposit otherwise the transient exchange rate would not be applicable do to the variance over the deposit process interval.
I believe this to be a clear demonstration of the gross incompetence of the this branch and possibly TD Bank in general.
I spoke at length with the TD Bank Overdraft Collections Department ( XXXX ) who advised me that the problem originates with the TD Bank branch I dealt with and that resolution attempts must be directed to this branch. I withdrew all funds and closed my TD Bank account because of the incompetency of the people in that branch and the failure of their administration to recognize the problem. As such I see no reason to believe the people at this branch are any more competent now than they were XXXX/2016 when I closed the account and contacting them would be futile.
For what it is worth the exchange rate on the day of deposit was approximately XXXX US/XXXX. . This is not accurately represented by the {$2400.00} depicted in the statement again providing an indication of the incompetency of this institution.
It is and always has been my understanding that when an account is closed it is no longer subject to any further transactions.
I seek your assistance in this matter and will refrain from any contact with TD BANK until I hear from you.
Thank You, XXXX XXXX
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| 04/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
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Web |
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I opened a business account on XX/XX/2020, I did this because I had a personal account with them. I made a total of 9 deposits the same day, 1 ) {$100.00} cash, 2 ) 8 checks totaling approx {$850000.00}. I sent online banking with no problems, XXXX at the XXXX XXXX XXXX in XXXX, FL called me Monday and stated they need a few more documents. Tuesday XX/XX/2020, I went to the Branch to give XXXX the requested documents. On Wednesday XX/XX/2020 I was unable to log into my online account. I Called and spoke to XXXX, she stated the bank decided to terminate the banking relationship on my personal and business account. I asked why and got an " I don't know ''. I asked about the 9 deposits and when I can come in and get a bank check. She stated she would call me. Well I waited a couple of days, then decided to drive there and speak to her. She stated that the bank sent the checks back to the maker. I was dumbfounded!!! WHY??, I asked, she said she doesn't know. This was XX/XX/2020. I tried to call customer service the same day, was on hold for ever, finally got a representative on the phone explained the situation and they refused to speak to me. On XX/XX/2020, I called the maker, they stated that they never received anything from TD Bank, in fact the checks cleared their account XX/XX/2020. On XX/XX/2020 I went to the branch, only to be told I had to make an appointment and it had to be made online. On XX/XX/2020, I submitted the request, received an email confirmation, stating a representative would be contacting me to set up a day. Today is XX/XX/2020 and I have yet received that phone call to set up the appt.. Because of this I decided to file this complaint along with a XXXX complaint. What TD Bank doesn't realize, is that our banking relationship is not completely terminated, not until I get my money back. This is sickening with what they do to any consumer, it's especially disturbing with the Covid-19 destroying businesses and TD Bank is right there with Covid-19.
|
| 11/16/2023 |
Yes |
- Credit card
- Store credit card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
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XX/XX/XXXX - Received XXXX Branded Credit Card ( TD Retail Card Services ) that had been fraudulently opened and used to make purchases XX/XX/XXXX - Called TD Retail Card Services Fraud Department to report fraud and open a case XX/XX/XXXX - Filed report with local police department XX/XX/XXXX - Followup call was made to TD Retail Card Services Fraud Dept- confirmed that my case was received/opened on XXXX XX/XX/XXXX XXXX - Followup call was made. Investigation was still pending XX/XX/XXXX - Followup call was made. Investigation still pending but letter was sent to my address to review, sign, and return a Declaration of Fraudulent Activity XX/XX/XXXX - I sent a separate letter, Proof of ID, identity.gov report, and police report to TD Retail Card Services Fraud Dept via certified mail XX/XX/XXXX - I received in the mail the letter dated XX/XX/XXXX. Their request was to return the signed declaration within 14 days so I scanned and emailed the signed declaration, letter, proof of id, identity.gov report, and police report XX/XX/XXXX - I called the Fraud Specialist handling the case who informed me that the case was closed because there was no response. The specialist claimed the declaration was mailed on XX/XX/XXXX. This contradicts all previous phone calls. Also, I complied with the letter received on XX/XX/XXXX by emailing signed documents within the 14 day period. A new Fraud Case was opened and processed with my already signed affidavit.
XX/XX/XXXX - Followup call to Fraud Dept - Specialist said I was not responsible for charges and a letter would be sent out.
XXXX - Received Final letter from TD Retail Card Services Fraud Department dated XX/XX/XXXX stating that " We have closed the above referenced account to prevent its future use. You will not be responsible for any purchases made on this account. '' XX/XX/XXXX - Received Account Statement ( same account number as before ) with new transaction posted on XX/XX/XXXX. Called fraud dept and opened another case.
|
| 01/31/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
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I purchased a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX.
Per the purchase agreement they were to include vehicle registration for XXXX and XXXX and an extended XXXX XXXX XXXX XXXX XXXX XXXX.
In XXXX of XXXX I checked in with my XXXX XXXX services for registration as the temp plate was close to the expiration date. The XXXX representative informed me that they hadn't received title or paid registration for the vehicle. I then went to the dealership shorty there after to inquire what was causing the delay. The dealership representative informed me that because I had purchased a used vehicle my paperwork was delayed as they give priority to those who purchase new vehicles.
I then experienced an A/C issue so I took the vehicle in to have it repaired and to my surprise the warranty company had a different service plan under my contract.
This is when I realized that the purchase agreement that was given to me at the time of purchase was different than what the dealership submitted to the finance and warranty companies.
XXXX XXXX submitted that I purchased a Tire & Wheel 60 month plan ; however, my purchase agreement clearly states that I purchased a XXXX XXXX XXXX XXXX XXXX Plan. To this day I have not been able to repair the A/C in my vehicle due to this error.
To this day, the registration has not been paid. I have not driven the vehicle since XX/XX/XXXX and now have been paying storage fees as I am unable to drive the car due to both of these issues.
On XX/XX/XXXX I contacted the finance company, TD Auto Finance Bank, and spoke with Ms. XXXX at XXXX. I asked that if I paid off my loan would they be able to provide the title to the vehicle. She said that they would be able to remove the lien ; however, they would not be able to provide the title.
I have been paying on this vehicle on time every month. Due to COVID I asked for a 3-month payment deferment which expires next month. I will ensure to make the next payment due on time.
|
| 01/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
On XX/XX/2018 I was paying my rent via my apartment complexes online at https : XXXX I was trying to submit my half of the payment for rent which is XXXX. While trying to pay only my half, the online portal then took out the full amount and put my account into overdraft. I immediately called TD Bank to tell them that this was an accidental transaction and to put the funds back into my account as soon as possible, as well as to inform my apartment complex about the transaction even though they assured that they do no provide refunds even though they knew of my situation financially. That same day TD Bank then told me to provide documentation regarding this transaction to their Disputes and Claims department via Fax number XXXX. I called a representative thinking that I had enough documentation to resolved this issue, this costumer representative was obviously extremely ignorant and incompetent, because a few months later on Tuesday XX/XX/2018, I wake up to see {$1000.00} taken out of my account and my account put into overdraft a week before the XXXX season. The overdraft fees then piled up to an extreme amount of {$350.00} ( which I only have received {$170.00} ) and I also had my whole paycheck in the amount of $ XXXX go completely to overdraft fees. In the beginning of XX/XX/XXXXafter New Years Day, I went straight to a branch to resolved this matter because I received a phone call from the Fraud Department ( which this was not a case of fraud by any means ) saying that they did not get all the listed documentation I needed to provided even though I faxed it to the Claims and Disputes department weeks before hand. Upon arrival not only am I in line waiting to send these documents before XXXX, as soon I get a chance to speak to a teller and tell this individual my situation, I get interrogated and somehow my roommate is dragged and she has the nerve to blame him fort their mistake. This is not how customer service should be, and I want all my money back in full.
|
| 06/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I applied for the XXXX XXXX ( line of credit ) financed through TD Bank. I was not given terms and conditions during the application at the dealership where I applied. When I called TD bank to confirm terms and conditions they could not verify what it was I qualified for other than the credit limit in which they approved me for during the online application at the dealership. I was advised that I would need to carry a balance on the line of credit before they could confirm the promotional offer that I may have qualified for. The dealership where I initiated the application advised me that I would have 12 months with no interest and no promotional fees or early pay off penalties. I called the lender ( TD Bank ) to confirm and they said they would not be able to provide that information and that it was up to the merchant I purchased the product from. I do not understand how they, as the lender, are not able to confirm what I qualified for and what the terms and conditions were for what I was approved for by their underwriters. The dealership/merchant is not the underwriter so why would they determine what I qualified for? I think TD bank is violating Truth in Lending ( Reg Z ) and treading on potential Fair Lending violations. I have not yet received any fees or anything different than was verbally communicated to me by the merchant but, the transaction has not yet posted to the account. I am fearful that I could be held to a different rate and promotion than what I was told. At the very least, the lender should be able to confirm what I was signed up for. I spent several hours on the phone trying to file a formal complaint with TD bank and made several attempts to get confirmation on what it was that I was signed up for to no avail. I finally got a mailing address and fax number to file a complaint with TD bank. Seems to me they could enhance their Complaint handling program as well. I should have been able to call in and leave my complaint or email it to someone.
|
| 04/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
TD Bank withdrew 100.00 from my XXXX XXXX XXXX debit card ending in XXXX on XX/XX/2021. I have emails to prove that the money was taken from my account and bank statement also reflects that XXXX was taken by TD Bank. I have been treated very poorly by TD Bank, while I have been trying to find out what TD Bank has done with my opening deposit of XXXX. The bank states that they have no idea that the bank withdrew my XXXX because there is no trace of the transaction. Then they told me later on XX/XX/2021 that the XXXX was sent back to my account and I should receive it in 24-48 hours.
One representative even told me that the XXXX would be placed on the TD Bank debit card that I received in the mail. It is now XX/XX/2021. I have disputed this what seems to be fraudulent activity by TD Bank with my bank. I was later contacted by the XXXX Branch after I submitted an online form to complain about my deposit that was stolen. She seemed nice, but she she later called to ask me if my deposit was XXXX and not XXXX. How could I get that amount confused. I am very upset. I feel like I am being given the runaround every time that I call the bank and even now that I have been contacted. On XX/XX/2021 she asked me to submit my XXXX XXXX XXXX Statement to show that TD Bank took the 100.00 out of my account on XX/XX/2021. I was asked to drop it off at the door and I will be contacted later to see if my deposit can be found or refunded. I also stated that TD Bank can get that information directly from my bank, since I have disputed this. This is the worst banking experience that I have ever had in my life!! I am not going to drop off my personal information from my bank to this bank, especially after my money has been stolen and I was treated poorly at the branch. I feel as though I should have been asked to come into the branch with my documentation, so my money can be refunded. At this point, I am pretty sure Fraud is going on at TD Bank. I am sick and tired of all of this.
|
| 06/28/2016 |
Yes |
|
|
|
Web |
|
|
I opened a XXXX XXXX jewelers credit card in XXXX XXXX that had a 0 % promotional APR for 12 months, and a credit limit of {$3500.00}. I charged the account to {$1000.00}. I did not receive any billing statements for months, and when I went to the retail store in question ( XXXX XXXX ) in XXXX XXXX, the employee there told me that I did not owe a payment, but that once I did, I would receive a statement in the mail. I received no statements in the mail. In XXXX XXXX I reviewed my credit report and saw that late payment information had been accumulating on this account since I opened it. I called the bank ( XXXX, in this case ), and they confirmed that all mailed statements had been returned to their office, and that I had not received them. I promptly made a {$300.00} payment on the account to bring it into good standing. They agreed to remove all the late fees that had accumulated. I then asked that they reinstate my original credit limit, and remove the derogatory payment info on my account, and they asked that I make this request in writing. I have done so, but am looking for support from the CFPB to ensure that I am treated fairly in this case, because I received my new statement recently, and noticed several issues : 1. The bank had removed late fees, but changed the promotional 0 % APR period to XXXX/XXXX/XXXX from XXXX/XXXX/XXXX, which they did not mention to me on the phone. The amount of {$170.00} was charged as interest for that month.
2. The bank began charging late fees in XXXX XXXX, even after having received my monthly payment on time in XXXX, and waiving the late fees for previous months.
3. The bank changed my payment due date from the XXXX of the month to the XXXX of the month, also without notifying me of that.
4. Every time I attempt to have a phone conversation with the employees of this bank, I end up getting the runaround, being transferred to multiple departments, often times from XXXX department to the other back and forth repeatedly.
|
| 08/08/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
Older American, Servicemember |
|
I had a IRA CD with TD Bank that was due on XX/XX/XXXX. I submitted the paperwork to have it transferred to another Bank on XX/XX/XXXX
The check was to be made out to the other bank and it should have been made on XX/XX/XXXX the day that the CD was due. We continued to check with the new bank to see if the money had arrived and was told no.
I went to the TD Bank on Tuesday XX/XX/XXXX to verify that everything was all set and the young lady told me that the account had been closed so I assumed that the money was sent. When the other bank had not received the funds by XX/XX/XXXX I went to the TD Bank in XXXX MA again on XX/XX/XXXX and spoke to XXXX XXXX at XXXX. He check the account and told me that the check was sent that day Aug 4th. He said that they had 10 days to process the CD which I understand is not correct. I have ten days to decide what I want to do but the bank needs to process it when they have the directions which was prior to XX/XX/XXXX.
XXXX was to call me on Monday XX/XX/XXXXto give me the check number and tracking number but he did not call. On XX/XX/XXXX I called XXXX and he then told me that the check was sent on XX/XX/XXXX.
I then talked to the Branch Manager XXXX XXXX about this and he got me the check number but no tracking number and he told me that the check was mailed on XX/XX/XXXX.
They also reduced the interest paid from 1.25 % to 0.75 % for the period form XX/XX/XXXX to XX/XX/XXXX
I still do not have the check and do not know why they did not process it onXX/XX/XXXX which is the federal law.
I also think that they did not send the check until MondayXX/XX/XXXX so that they could use my money over the weekend without paying interest.
I do not understand how they can break the federal rules with no impact. They claim that they did not break any rules. I now must wait until the funds arrive in the US mail before I can roll over my IRA.
Bottom line is that TD Bank is not following the banking rules and taking advantage of their customers.
|
| 12/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
I have been a long term customer. In XXXX I moved to XXXX, I didn't know how it would be, and asked TD to keep my account open and in good standing, they did until this year.
Starting in XXXX, and through all XXXX, TD has caused a number of problems.
I have had a TD Debit Card, but as there were no emergencies the card and account savings were unused.
I'm just going to list the problems, in finishing I will detail the situation TD has left me.
Problems : XXXX sent paper-mail letter to incorrect address in XXXX- not express mail. XXXX was lost for 4 months.
XXXX : XXXX branch emailed request for me to update my personal information, address and phone.
TD contacts me, requesting personal information, address and phone - information on file isn't what I provided.
TD deactivates my TD Card without informing me. So when I try it at my XXXX Bank it is declined.
I email TD why this happened, they say your card wasn't used for XXXX years so we deactivated it.
I say well I need to use my card for health insurance and to replace my very old phone.
Since they can not reactivate the card a new one is sent, but not with express mail, so card is lost for weeks.
I insist they send a replacement card via express mail.
Surprisingly, my new card is declined for purchases, and at my XXXX Bank.
I email for help, they TD says the card was deactivated " for my protection ''.
I ask TD to stop protecting me and allow the card to work, but I am never able to use my card, ever.
Concerning health insurance - I missed the window when it was available because " no access to my savings ''.
I ask TD Bank to mail a cashiers check - expensive and time consuming- to finally get me some money.
XXXX XXXX XXXX tries to sell me an XXXX, my TD card is declined again, I pay cash.
In the XXXX XXXX I notice TD Bank used an incorrect phone number for authorization.
All during XXXX my card was always declined yet no TD person could/would help me.
TD finally closed my account... WOW!
|
| 12/07/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
I purchased a phone from XXXX through XXXX XXXX XXXX. I read their terms and conditions and then I finished my purchase which led to them automatically applying for a XXXX XXXX XXXX XXXX on my behalf. I was notified that my XXXX XXXX XXXX XXXX was approved with {$3200.00} credit line. I was given an account number and I am registered in their system. I got the confirmation for the purchase and was notified that the order will be delivered within 2 business days after shipping. XXXX never shipped the phone! After waiting a week, I talked to XXXX customer service and they told me there is some unknown issue with the XXXX XXXX XXXX XXXX and I have to talk to them and advised me to cancel and reorder. I eventually canceled the order and tried to reorder in their website but it wasnt working, telling me that I dont have any credit line available in my account. I checked my account and it was showing {$0.00} credit line available and no record of any purchase or transaction on my account. Then I talk to TD Bank and they said the problem is not from their side and my account is under review and they are waiting for XXXX to confirm my order and there is nothing they can do about it. They kept passing me to the other party, XXXX and TD Bank, and none of them was taking any responsibility for the matter. Right now, I have a credit account opened in my name with {$0.00} credit line and a hard inquiry on my credit record as a result. It seems that they prefer to do nothing about it. I didnt get the product I ordered. I didnt get any credit line. Just an account opened in my name with zero use for me.
I checked XXXX online forum and there are so many people having the same issue and they all got nowhere and very unhappy about it. It is definitely a known issue for them, XXXX and TD Bank, and it seems they decide to ignore and not recognize it.
Here is some other people who experienced the same thing and got no help : https : XXXX https : XXXX https : XXXX https : XXXX
|
| 02/24/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was told by a bank that I can't open a bank account due to money owed to TD Bank in NY. I called TD bank on approx. XX/XX/XXXX and was advised that amount owed is {$370.00} and if I paid {$200.00} within 30 days it would be marked as paid in full and I would be removed from the " blacklist '' that is holding me back from opening any bank account through out the banking system. On XX/XX/XXXX my sister walked into a bank branch and paid the {$200.00} which I have a reciept for. On XX/XX/XXXX I called wondering where my paid in Satisfaction letter is and why I haven't been removed from the " blacklist '' since I was told by a bank that I still can't open an account. I was told by Recovery Department that they made a mistake and didn't mark it as paid in satisfaction and that he would mark it as paid nd request chexit system to be updated so I can open an account. On XX/XX/XXXX I called back requesting a update for a letter. The guy said a request has been made and I should've gotten a letter from the branch where I opened an account. He said he would put another request in. I called the branch today XX/XX/XXXX and the branch said I'm not getting a letter cause I still owe {$170.00}. At this point I'm furious cause there obviously not caring or know what there doing. I again called Corporate TD bank again and they said no request has been put in to update the chexit system " blacklist ''. But according to corporate it's paid in full. I asked them to call the branch to let them know and he refused. He said they don't do that. So as of today I can't open a bank account to do business, the branch isn't on the same page as the recovery department of TD bank corporate, and it's very obvious that they don't care even though I gave them there money and have been extreamly patient. Also I was advised today that no one in recovery made any notes to update the chexit system or " blacklist '' system. PLEASE HELP ME!!! I can't open any bank account to do business. ThANKS
|
| 03/14/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
We purchased a refrigerator from XXXX and used XXXX financing on XX/XX/XXXX. The refrigerator came with a bonus set of front door panels that were delivered a few days after the refrigerator arrived. The XXXX delivery employees damaged our refrigerator door frame and the original Tuscan Bronze door panels by using a screwdriver to remove the panels when they should have used XXXX a suction cup tool to properly remove the panels. I noted on the delivery order of the damage to my panels and refrigerator. We have spent 40-50 hours or our time trying to get XXXX to remedy the situation via calls and internet chat ( I have screenshots of the chat and I have call logs from my cell phone provider ). Their call center routed use to a customer service number XXXX, which is no longer in service. After countless calls we disputed the charge with XXXX XXXX on XX/XX/XXXX and payments were halted until the dispute was resolved. TD Bank handled the dispute and they sided with XXXX on XX/XX/XXXX because they supposedly tried to call me for clarification on what was damaged and I did not answer the call. They admittedly stated they never left a voicemail for me to call them back so the call was not returned. At that time payments were to resume even though I still have a damaged refrigerator and no resolution. I re-disputed the charge with XXXX XXXX on XX/XX/XXXX which is still unresolved. XXXX did contact me and asked about the panels XX/XX/XXXX and I told them to come and get the refrigerator or give me new panels and {$500.00} off the balance owed. On XX/XX/XXXX they send an email stating, " with E-Commerce previously is out of the return window. ". So now I am stuck paying for a refrigerator that has been damaged since delivery. I am no longer going to pay for this refrigerator and I am going to wreck my XXXX credit score over principle. I am being financially harmed by XXXX XXXX and TD Bank. Please help. XXXX XXXX - XXXX ( XXXX ) XXXX XXXX Account # XXXX XXXX XXXX XXXX
|
| 06/18/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
On XXXX XXXX, XXXX, I went to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY, to open a checking account. Because I have had a savings account at this same branch since XXXX XXXX, and a positive banking relationship, I was astonished and embarrassed to be denied XXXX a personal checking account for myself and a corporate checking account for my law firm, a P.C. incorporated in NY in XXXX XXXX. The reason for these denials was that the XXXX indicated that my P.C. and I XXXX combined XXXX owed TD Bank a total of {$200.00} in overdrafts. I dispute this. I was given neither notice of these alleged overdrafts nor an opportunity to prove that these alleged charges were illegal and invalid.
Four or five years ago, XXXX, I opened both personal and corporate checking accounts with TD Bank , NA. My XXXX partner noted that I was spending an inordinate amount of time in the XXXX XXXX XXXX Branch of TD Bank, contesting unwarranted and unjustified overdrafts. Finally a friendly TD Bank officer told me quietly that it was bank policy to maximize the number of overdraft fees on each account, by manipulating the receipt of debits and credits. In XXXX XXXX a XXXX federal judge approved a {$62.00} million class action settlement arising out of TD Bank 's illegal overdraft policies. ( In re : Checking Account Overdraft Litigation XXXX. Because TD Bank has continued to practice its illegal overdraft policies despite the XXXX settlement, a new TD Bank overdraft fee class action was filed on XXXX XXXX, XXXX, in federal court XXXX XXXX XXXX et al. v. TD Bank NA, case number XXXX, XXXX XXXX XXXX for the XXXX XXXX of XXXX XXXX XXXX This litigation is still pending, and I am still waiting for a refund check for the overdraft fees improperly charged to my XXXX accounts.
Meanwhile it would be prudent for XXXX and XXXX to cease and desistfrom implementing TD Bank policies to force customers to pay illegal overdraft fees, or to forego checking accounts at other more reputable banks.
|
| 09/28/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
On XX/XX/21, I received a phone call with the ID as " TD BANK '', and the number was the exact number on the back of my debit card. I was on the way home from a 12 hour shift and was mentally exhausted ( I work in XXXX XXXX ), and was told there was money being stolen out of my account through XXXX on my mobile app as several bank transfers. I immediately started to panic because I struggle financially and can't afford fraud. I was suspicious off the bat, however the fact that the phone number was literally the number on my debit card, I thought that it was trustworthy ( plus I'm supposed to have some sort of fraud protection right? ). So I approved the transaction while the woman from the " bank '' was on the phone with me and walked me through what I thought was denying the transaction, but turned out to be approving it. The money totaled {$2500.00}, which put my account into the negative by {$1100.00}.
I went to the bank a week later to check on the " claim '', and was told that there was no claim and that it was fraudulent. The bank then told me to wait from the fraud department to handle it and call me. This ended up taking weeks until I was finally denied my claim on XX/XX/21, and then again on XX/XX/21 with the same reasoning.
I now just received a phone call from TD telling me that I am now in collections for that XXXX, despite the fact that this money was taken from me, and I have called their fraud department upwards of 10 times and waited on hold for over an hour multiple times. I do not have the money to pay this, as all my money was just stolen, and the bank has cleaned their hands of this entirely. I am practically begging for some sort of assistance, so I would really appreciate a call back asap.
Thank you so much for your time and help P.S. I do have documents from the bank to explain this, however it has much personal information on it and the directions here explain not to share that, so I will wait for some sort of contact first.
|
| 08/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
This complaint is about an unfair business practice by TD bank that resulted in a precipitous drop in my daughters ' and my credit rating.
I am writing on co-signer for a personal loan that daughter took out from TD bank in XXXX while living abroad. ( In addition to the loan my daughter had a Savings and Checking account with TD bank which always had a healthy balance ). The loan was signed through a power of attorney provided by my daughters ' sister who lives in the US.
My daughter set up an automatic monthly debit and paid every single installment of the loan on time. The last time her account was debited ( in XX/XX/XXXX ), she assumed she had paid off the loan. However, in XX/XX/XXXX, I noticed that my credit score had dropped precipitously. I investigated the drop and saw that there was an indication of an overdrawn loan from TD bank. I informed my daughter who contacted TD and was informed that the last installment of the loan could not be paid via direct debit, but through a financial services institution. My daughter never received any notices via mail, email, or telephone that the final payments had to be made through another method. When she phoned TD to complain they said that the final loan was overdue which justified their action.Until then my daughter had never once missed a loan payment, but because TD made no effort to inform her, or me, about the last payment method, both of our credit scores ( see attached ) were severely adversely affected.
My daughter filled out the TD online form asking the bank to correct the information provided to the credit bureau so as to reinstate the previous excellent score we both had. TD bank responded that they had done nothing wrong and refused to take any action.
I then contacted a local representative in XXXX NJ where my daughter had opened the original accounts asking for help in resolving this unfair practice and to rectify it. Last week I heard back from her that the bank would do nothing about it.
|
| 08/21/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
On XX/XX/2020, I opened a 3-month CD account with TD Bank. The contract was due to mature on XX/XX/2020. In early XXXX, I proactively called the TD Bank hotline after receiving a letter of notice indicating that the CD will be automatically rolled over to another 3 month contract if I do not take action on the maturing contract. The letter specifically gave me two options - either to call the TD helpline or visit a local branch. Given the pandemic situation and reduced hours of branches I naturally reached out to the helpline on two occasions - XX/XX/XXXX and XX/XX/XXXX ( when I received the letter ). On both occasions the staff said that they will note my preference on my account and that the CD would not roll over. To my horror, I looked into my account today to see what was going on as the funds did not transfer to my bank account as expected, and saw that TD had in fact rolled this over into a new account AGAINST MY REQUEST. I called the helpline again and they refused to entertain my request on the basis that all CD-related requests are to be handled by a local branch employee. I then contacted a local branch employee who dismissed me as having been ignorant of the fact that all CD requests should have gone through a local branch to begin with, and that I will have no other choice but to pay the penalty if I want my funds withdrawn. I want to make this clear that at no point during the two times that I called the helpline in XXXX and early XXXX was this explained to me, and the letter clearly listed the helpline as another option to have my request processed. This involves funds that I have an immediate need for and the fact that I went proactively called ahead of time and instructed for the accounts not to roll over did nothing to avoid the consequences of their sloppy and unprofessional mishandling of a simple request. I ask that this be investigated and my funds be returned to me as soon as possible without the attendant fees and penalties. Thanks
|
| 06/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
Td on line banking is NOT complying with real time banking They're continuely showing my credits/debits later then the dates they actually happen. I have screen shots that do NOT match account information. I have atm receipts that do not match same time/ day as screen shot of on line banking. I have XXXX XXXX statements that show the tolls were pd days before they show up ( I am enrolled in instant payment ) I have receipts from gas stations that show up on line days later ( they're not letting you go on the turnpike if you haven't pd lol ). I have monies sent out through the bank, with XXXX, on the XXXX shows up on line the XXXX ( instant electronic transfer. Received ) My wife gets pd every 2 weeks ( XXXX & XXXX ) from XXXX XXXX. Direct deposit XXXX makes sure that the check is in the bank on the XXXX. We have received an overdraft fee because something was purchased at XXXX XXXX on the XXXX. ( Fee was listed as debit card authorization. Not the 1st time ) when I questioned it I was told that it didn't post untill XXXX ( according to XXXX direct deposit the check is available at XXXX XXXX ) They hold sales ( vendor pd, taken from account ) and dump everything at once. This usually happens on weekends and holidays While the account in formation is accurate the on line banking isn't causing me a large amount in overdraft fees ( and I am not alone ) I have tried to resolve this with the bank many times and am stonewalled or put on hold. I have tried other govt and outside agencies and everyone seems to be afraid of a bank. Hopefully you can help. I'm not alone in this and it involves millions of shuffled dollars I believe that it is not legal for banking on line platform to not accurately show all banking immediately. It's called real time banking I'm sure it will be explained as a temporary problem ( I have a mass email from c.e.o. saying sorry temporary glitch in on line 6 months ago lol ) This shouldn't be allowed to go on but it's a bank so it will
|
| 04/12/2016 |
Yes |
- Prepaid card
- Gift or merchant card
|
|
|
Web |
|
|
This is regarding gift cards from TD Bank. I was given XXXX TD Bank XXXX Debit cards at various times as gifts. Both are unexpired. I put them away with some othe gift cards I had accumulated for a larger purchase.
I attempted to make tis purchase with these cards recently. The other XXXX cards I had, XXXX XXXX cards and another XXXX Debit card from " XXXX '' worked without problem. The XXXX from TD Bank, I was told required a PIN number to be used, even though the sticker on the cards said that they were active and ready to use. My wife registered the cards and set PIN Numbers for both cards. While registering the cards, we found that the cards had depleted in value. The {$50.00} card was now worth {$40.00} and the {$150.00} card was now worth {$110.00}.
The cards were brought back to XXXX for use, and again they were declined.
I went to the TD Bank branch office in XXXX NJ and spoke with the " store manager '' XXXX XXXX. I told my story and asked that the cards be cashed out since they apparently did not work, several times, in a store.
He said that there was nothing he could do, that company policy was that they could not be cashed out. He put me on the phone with the credit card office to discuss why the PIN did not work.
I spoke with " XXXX '', a supervisor. He looked up the cards registered under my name. He said that they were registered, but that there were no PINS assigned. I assured him that my wife had done this, he assured me that she had not. He said that if I go through the process again, that PINS will be assigned and they will be fine.
We have already been through this. I wont go through it again. If I do, and we again attempt to use cards that dont work we will look foolish, and probably with suspicion. I want the value of the cards in CASH. I want to know why fees of {$50.00} can be removed from these cards. I had XXXX other cards, from different vendors that worked fine. I believe that whats being done is fraudulent and predatory.
|
| 11/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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TD AUTO FINANCE is claiming that I owe an alleged debt of {$42000.00} which I, the consumer believe and do so believe this debt has been already paid for. I am a consumer, a natural person who seeks or acquires goods or services for personal, family, or household use only in accordance with the federal regulation 16 CFR 433.1 ( b ). I am also aware that TD AUTO FINANCE is a creditor pursuant to 16 CFR 433.1 ( c ). I, the consumer, has reason to believe and do so believe ALL of my billing statements as well as ALL the amounts I have from TD AUTO FINANCE is a billing error. Pursuant to 12 CFR 1026.13 ( a ) ( 6 ). Pursuant to 12 CFR 1026.13 ( a ) ( 4 ) the term billing error means a reflection on a periodic statement of the creditor 's failure to properly credit a payment to the consumer 's account. TD AUTO FINANCE has failed to properly credit all of my payments. I also have reason to believe and do so believe TD AUTO FINANCE has my social security number on file which represents a credit card according to 12 CFR 1002.2 ( k ) meaning that when I provided my social security number my alleged auto loan debt from TD AUTO FINANCE has already been paid for. I, the consumer, has reason to believe and do so believe pursuant to 12 CFR 1002.2 ( a ) my account with TD AUTO FINANCE is an open end credit plan which means I, the affiant should not have to pay any alleged debt that, TD AUTO FINANCE claims that I owe. I, the consumer, is aware that TD AUTO FINANCE may not try to collect any portion of any required payment that the consumer believes is related to the disputed amounts pursuant to 12 CFR 1026.13 ( d ) ( 1 ). Lastly, I, the consumer, is aware that according to my certified XXXX XXXX XXXX from the Secretary of State I, the consumer/debtor dont have any liens against me along with me not having any debt attached to me. This further proves that I, the consumer, doesn't have to pay this alleged debt that TD AUTO FINANCE claims that I owe. See attachment below.
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| 04/07/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX I received an email asking me to rate my online pick up experience at Target.com in XXXX XXXX, FL. I do not live in FL nor have I ever. I immediately checked my account balance online. It was at a XXXX balance. I called customer service, asked if there was a computer glitch, explained the email. I confirmed that my account was at a XXXX balance. I did not feel comfortable with the call. At that time I asked that the account be closed and a new card reissued to me and to record my call. Six days later I recieved a courtesy email from Target.com that my account balance was over {$600.00}. I immediately called and the charges totalled {$1000.00}. All charges made on the same day, all charges were in store pick up, all in XXXX XXXX, Florida. I initiated a fraud report and asked that the my account be permanetly closed. Getting the account permanetly closed tood several calls. I recieved a form to complete where I was to list all charges I believed were fraud. I completed form and mailed it back. The form included all the necessary details : 3 separate charges all made on XX/XX/XXXX ( {$83.00}, {$470.00}, and {$470.00} again, all charges were in store online orders picked up in XXXX XXXX, FL ) I just received yesterday a letter from Target Credit Card Fraud reading that my claim has been denied for the following reasons : 1 ) Our records indicate that the order ( s ) being disputed were placed using a Target.com account that verfies to you 2 ) Our records also indicate that there are previous orders placed using the same Target.com accoun that have not been disputed. I called on XX/XX/XXXX and was hung up on twice. I called again on XX/XX/XXXX and was told I my story was verified. My account was noted of all the above but that I need to file an appeal letter and hopefully my account will be cleared. I just recieved an online statement for {$1000.00} with a due date of XX/XX/XXXX. I have exhausted many avenues to seek help. No one is helping.
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| 09/28/2020 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I have obtained XXXX XXXX XXXX XXXX, offered by TD BANK, N.A approximately a month ago, for the purpose of making a XXXX product purchase. Shortly thereafter, I've received from TD BANK, N.A the attached privacy notice, which in summary says they will share my personal information with 3rd parties for marketing and other purposes, unless I instruct them NOT to do so, by calling the phone number, listed on the attached notice. Until this day, TD BANK, N.A had failed to pick up their phone - I have called for 3 weeks straight, every day, using the number provided and 2 more general TD BANK, N.A phone numbers for customer service and account management. I've waited HOURS on hold each time, with some calls lasting over 4 hours only to be disconnected by TD BANK, N.A at the end, without picking up. By failing to EVER pick up their phone TD BANK, N.A disallows me to-opt out from sharing of my personal information by them, even though according to federal and California privacy laws I have a right to limit the sharing. This is violation of my privacy.
Additionally, I attempted to register for XXXX XXXX online account, provided by TD BANK, N.A as instructed by email XXXX and TD BANK , N.A . The registration failed due to programmatic issues and site design oversight. As a result, I'm not able to access, view any of my personal or financial information, associated with my TD BANK, N.A account, and also unable to view or pay any bills. As stated above - I had been calling TD BANK, N.A 's customer service and other TD BANK, N.A numbers FOR WEEKS, every day, but TD BANK, N.A is failing to answer any of its calls and remains completely inaccessible to me, its customer.
I request CFPB 's help to STOP TD BANK, N.A from abusing my personal information and to penalize TD BANK, N.A for making itself completely unavailable to its customers to both, exercise privacy choices and handle issues, related to TD BANK, N.A account, including reviewing and paying bills.
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| 02/02/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Dear Sir or Madam, my issue concerns a collection which is fraudulent and which despite being disputed by myself with collection agency operators and through communication with the credit bureaus and with the original company, persists to this day.
The account was with target which is owned by TD Bank. I was issued a store card in XXXX. The amount eventually was approx {$3000.00} dollars. I used the card 2 times to purchase sundries and then approx {$200.00} worth of lamps which did not work after a week and which I took back for a credit.
At first Target billed me for a late payment when I called they reversed this stating that it was their error. When I began to get bills for the credited items I got upset and called Target again and had the matter cleared up again and then asked the agent to close the card as it was giving me more problems than having it was worth. The reluctant agent eventually told me the card was closed ( with no balance ) and that all was well.
Approx. 6 months later I began to get collection letters for the {$200.00} which I disputed, explaining the card was closed. Nothing was due on it and that Target/TD bank should be contacted.
Today, XXXX XXXX XXXX sent me a letter stating that the balance owed is {$3500.00}. For what? Apparently for the entire balance of the card which I did not use, and some fees which they feel they have the right to tack on. I am writing this agency in the hopes that it will provide the oversight which is sorely needed by this so called company to erase this fraudulent debt once and for all.
Their debt is false, the card was closed with a full balance on it and once that happens nothing can be purchased on it ever again. I will include the account number and all other pertinent information here as this is getting to the point where if I need to hire an attorney I will.
XXXX XXXX XXXX XXXX File Number : XXXX Account Ending In : XXXX Balance : {$3500.00} XXXX XXXX TD Bank XXXX XXXX.
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| 08/24/2022 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This complaint is regarding the XXXX XXXX account number XXXX, Original Creditor : Nordstrom Card Services, Current Balance {$10000.00}.
Today, XX/XX/2022, at XXXX XXXX XXXX I received a call with a caller ID XXXX XXXX XXXX
Since I am a XXXX XXXX, I thought it was from my school and answered.
When I answered, the representative said she would like to speak with me.
I thought something was very odd, and I asked, where is this call from?
Then, the representative said, It is a debt collector, calling from XXXX XXXX.
I was stunned.
Also, when I asked why your caller ID showed that you appeared as XXXX XXXX XXXX the lady told me, Because you are a XXXX XXXX we wanted to work with you and help you.
I was speechless.
When I previously contacted via a chat through XXXX XXXX website regarding any settlement options available, I disclosed that I am a XXXX XXXX to the representative I had a conversation with, XXXX XXXX, who was very pleasant and kind to discuss available options for me.
However, todays call and the conversation I had today, not only violated Fair Debt Collection Practices Act 807. False or misleading representations but also it is not acceptable.
Lastly, I told the previous representative, XXXX XXXX, on XX/XX/2022, that I could pay the settlement payment all at once on XX/XX/XXXX or later. Then I was told that the system allows scheduling a payment only 30 days in advance. So, it was ended that I would call at the end of XXXX to schedule payment for the settlement offer available for me. However, again, I got a call from XXXX XXXX today even though I already talked and discussed it with the previous agentwhich violated Fair Debt Collection Practices Act 806. Harassment or abuse.
I have attached the screenshots showing caller ID as XXXX XXXX XXXX and the chat I had with XXXX XXXX on XX/XX/XXXX, showing that we discussed the settlement, and I am the one supposed to call her to schedule the payment at the end of XX/XX/2022.
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| 06/17/2016 |
Yes |
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Web |
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Target card services stopped sending me statements for my Target credit card account after XXXX, XXXX. I used the card after that but never received a bill and did not know I owed them money. I never received any statements or past due notices from them. I did receive a phone call from a Target card services employee on XXXX XXXX, XXXX, stating my account was overdue and was being sent to collections. I told the employee that I was not aware that I owed Target any money. She told me I would have to request an affidavit to dispute the charges in writing. I sent a letter the next day requesting the affidavit. Before I received the affidavit form from Target card services, I received a phone call from a collections agency. I wrote to Target again asking for copies of the receipts and the statements to prove the charges were indeed mine. I finally received the affidavit form in XXXX, XXXX. In XXXX, XXXX, I received a letter stating they had sent me copies of the receipts along with the affidavit form, but the receipts were not included with the affidavit form. They did include printouts of online statements from XXXX, XXXX, and XXXX and XXXX, XXXX, which did not have my name on them or any indication that they were mailed to me. They did not include any statements after XXXX, XXXX. I then received a letter XXXX XXXX, XXXX, stating that the dispute was closed and that I owed Target {$580.00}, including interest and fees, and this would be reflected on my next statement. This letter included receipts from XXXX and XXXX, XXXX, and XXXX, XXXX. I called the representative who sent the letter the next day. I told her I would pay the charges minus the interest and fees as I had never received statements with these charges. She stated she could not remove the fees as the account had been closed. I asked to speak to someone who could help me and she stated there was " no one there who could help me '' as " no supervisor would approve changing the charges ''.
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| 10/29/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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I reported a Fraudulent account being opened in my name at TD XXXX ( XXXX XXXX XXXX ) re : XXXX XXXX on XX/XX/2020. I can not find a way to communicate with this entity to resolve this matter. I initially communicated verbally to the customer service department on XXXX and reported the fraud, they in turn opened a fraud case and told me the account was blocked. I submitted by mail to TD XXXX, the Federal Trade Commission Identity Theft report with proof of identity and all associated documents to support my position and fraudulent account. Note, at this time XXXX monies were drawn on the account. Since then, unknown to myself, the account had been released and monies were dispersed. As of XXXX the account is in default and TD XXXX is reporting this negative information to the credit agencies against my credit. Since that date I have tried countless times to communicate with TD XXXX Customer Service @ XXXX, being left on hold for hours, as long as 4 hours, for weeks unanswered or being answered and then subsequently disconnected. TD XXXX is virtually impossible to contact anyone who can assist to resolve the matter. I have mailed hard copies for a second time requesting this account be removed from my credit, still no answer in any form. Finally, today XXXX I was answered and during the call I was told the agent was unable to help and indicated I would be receiving something in the mail, sent 10 days ago, then the call disconnected, without a resolution or callback. I have been told from every person at every available phone number for TD Bank ( I'm assuming the parent company ), this is the only phone number and department who is able to help. Obviously, this is a bank and credit card company who doesn't care, regardless of the consumer conscious, and quality of service messages which are played while on hold. I did my due diligence in XXXX to protect TD XXXX 's interest 's and unfortunately, no one was paying attention, and still isn't.
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| 07/18/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Incorrect information on your report
- Account information incorrect
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Web |
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Let me first say Target has poor customer service. I got hung up on by a supervisor and lied to by a specialist. I will No longer give them my money!
The company is going against my consumer rights.
Violating US codes 1681a 2 ). ( i ), US code 1666b ( a ), US code 1681e ( b ).
According to US Code 1681a 2 ). ( I ) report containing information solely as a transaction or experience between the Consumer and the Person making the report. My experience is the relationship between the transaction and the creditor or the person of the corporation that extends the line of credit that is used at a particular time of the account. Which is the consumer, which is me and the person making the report.
Moreover, US Code 1666b ( a ) states A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Stated by the Internal Revenue Service ( IRS ) Instruction for forms 1099-A and 1099-C. A 1099-C must be filled regardless of whether the debtor is required to report the debt as income. Income does not get reported on your consumer report. Therefore, a consumer of a charge-off being reported on your consumer report is illegal because it is ordinary income. If a charge off is being reported on your consumer report it is not accurate and reasons to believe the whole account is fraudulent according to the IRS from instruction form 1099-A and 1099C.
Lastly, US Code 1681e ( b ) explains, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
This statement explains doing so will presume a 1099-C, that must be filled according to the IRS as mentioned above. The status of a charge-off is an inaccurate account and it must be deleted.
Under 15 US Code 1681b ( 2 ) I am exercising my right and I demand these inaccurate accounts be deleted Immediately.
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| 02/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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On XX/XX/2020 I provided a letter to TD Bank , N.A . Card Services Department, hereto referred as TD Bank, to dispute an amount that I believe to be in error on my statement. This letter provided my account information, dollar amount and a description of the problem which is requested per the TD Bank Credit Card Agreement, hereto referred as the agreement, and in accordance with the Fair Credit Billing Act ( FCBA ) Public Law 93-495, H.R. 11221 15 USC 1601-1666. After I sent this dispute in accordance with both federal law and the agreement TD bank sent me a letter dated XX/XX/2020. This letter stated that I requested a credit report amendment, however I have not made any requests for such amendment recently. The letter also states to call TD Card Services, customer support at XXXX. I called the number provided as well as used the app to call in and was on the phone for 2.5 hours today XX/XX/2020 without any avail or help with the letter that I received as indicated.
One representative informed me that the letter was in response to the dispute that I sent in on XX/XX/2020 however the dispute does not mention anything about a credit report amendment. A later representative informed me that the dispute that I sent in on XX/XX/2020 was closed without any action taken because I did not list a specific transaction, however both federal law and the agreement both specifically state that only a balance needs to be provided and not a specific transaction. By not accepting a dispute due to an internal policy is a violation of federal law and a breach of contract. I was untimely transferred more than 6 times and landed with Risk Management who provided me a number to what she called Military Lending Department XXXX which was only a recording of a TD Bank policy and then the line disconnected. I called the Military Lending Department at the number provided several times and it all ended with the phone disconnecting with no option to speak with a human.
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| 02/12/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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My account was opened on XX/XX/XXXX with an opening balance of {$5200.00}. To ensure timely payment, I submitted my first payment on XX/XX/XXXX, with automatic recurring payments set up through my credit unions bill pay system starting on XX/XX/XXXX. In XXXX, just before my next payment was set to be sent, my credit union switched to a new bill pay provider. The XXXX payment was missed in the transition. When TD Bank notified me of the situation, I made an extra payment on XX/XX/XXXX, after the XXXX automatic payment was made. Through the statements sent to me by TD, they never indicated that my payment needed to be increased for a {$29.00} late fee incurred through the XXXX missed payment. Subsequent bills also never showed a change in minimum payment due. However, buried in the details, and never mentioned on the front page of the bills, was a chain of late fees for not paying the original fee. By the time this was discovered, the late fees have amassed to a total of {$270.00} ( over 5 % of the original loan ). Had this been disclosed with the original missed payment in XXXX, I would have paid the fee immediately. Through calls with TD Bank, they kept saying the fees were for missed payments. Every time I spoke with a representative they would give me a date for a payment that was missed, and I would go into my online banking system with my credit union and tell them exactly when that payment was delivered, and the tracking number for the payment. In a call with TD on XX/XX/XXXX I spoke with an agent named XXXX who hung up on me. After calling back in I spoke with XXXX ( XXXX # XXXX ). She informed me that standard agents are not able to see the details on the account, and that I needed to call a special Customer Service line to speak with someone that had access to review account history. I spoke with XXXX, who agreed to send me a comprehensive listing of charges, payments, and fees. I feel this practice is deceptive, and needs to change.
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| 12/08/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
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I am writing to inform you of my suspicion that TD Bank is using fraudulent/ deceptive business practices which allows them to collect nsf fees that are not rightfully owed. I 've tried to discuss this issue with TD bank several times and they are not willing to discuss this matter. I always check my account before I go to sleep and wake up the next morning. Yesterday I looked at my account and it said I was {$33.00} overdrawn as a result of a XXXX purchase I am on installment payments for. I screenshot the page. This was around XXXX. TD 's policy is that you will not be charged a fee if you deposit the negative funds the day the transaction is made. I deposited {$40.00} in my account on XXXX/XXXX/15 and had a {$3.00} balance after the XXXX purchase posted. Sometime during the overnight of XXXX, TD bank went into my account and changed the transaction date to show that the XXXX purchase was presented for payment on XXXX, which is a banking holiday as no transactions post on Sundays. In my screenshot, you will clearly see that the {$40.00} deposit was made the same date of the XXXX transaction. This morning I checked my account saw that Gas was presented for payment and that I was {$8.00} overdrawn. When I checked my account at lunch time on XXXX before going to the bank, TD bank changed the date of that transaction and charged me a total of XXXX overdraft fees. I am certain that TD bank is changing the dates payments are posted during the overnight while bank customers are sleeping so that they can charge NSF fees. By my estimations, I have spend over {$1000.00} in 2015 for this reason alone. I explained to the customer service rep that I did not overdraw my account and relied on my bank records to be accurate and I was basically called a liar in so many words. Please assist me as I am certain that there are many other customers who can not afford to continue giving a XXXX dollar industry more money as a result of their fraudulent practices.
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| 04/02/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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Summary of Problem : My rent check, which was made out to a business ( LLC ), was illegally stolen and cashed into a personal checking account. I filed a fraud claim with my bank ( XXXX XXXX XXXX ) against the bank with the check was cashed ( TD Bank ). I also filed a police report which I provided to my bank for the fraud claim. TD Bank will not respond to my bank at all and XXXX XXXX XXXX has tried to close my fraud claim because TD Bank will not communicate.
Details : I sent my rent check to my landlord on XX/XX/2017. My check was stolen in the mail and illegally cashed on XX/XX/2017. The amount was {$1600.00}.
The check was made out to to " XXXX XXXX XXXX '' which had XXXX in the title, which is obviously a business. XXXX XXXX XXXX utilizes a stamp with their name to endorse every one of their checks.
The check was cashed at a TD Bank to a personal account. The check had a scribbled signature on the back when I reviewed it in my account. The check should have NEVER cleared at TD Bank. The account it was cashed to was a personal account. NOT A BUSINESS. The personal account also had no affiliation with XXXX XXXX XXXX.
I filed a police report and the detectives were able to track down the person whos account the check was cashed to but was unable to make an arrest.
I filed a fraud claim with XXXX XXXX XXXX, which is my bank, and they can not recover the funds from TD Bank. XXXX XXXX XXXX has tried to close the fraud claim because they say TD bank wont respond to them. Which seems like a lazy excuse to just give up on me and move on.
I am getting completely screwed by TD Bank because they let a check, that was made out to a business, get cashed into a personal account that had ZERO association with the business ( XXXX XXXX XXXX ) and not they are just ignoring legitimate claims that they should refund my money.
I am also getting screwed by my bank ( XXXX XXXX XXXX ) because they are not doing nearly enough to get my money back.
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| 07/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
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Web |
Servicemember |
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I have done complaints about the fraud and financial deceit done by TD Bank here. In response to the most recant response by TD Bank I would say the following. They try to convolute and direct attention from the simple and unavoidable reality that they ( TD Bank ) fraudulently try to maximize fees and overdraft expenses with customers through the following methods. These methods are clear when you read between the lines and the diversionary information given by TD Bank in last response or namely.
1. TD Bank still has not denied what they previously said which is that they ( TD ) process larger transactions first before processing smaller ones. This is a clear policy designed to maximize small transaction overdrafts that are more multiple. By design they try and maximize.
2. TD Bank said that they give balances and pending information the following day. This simple and clearly says that at all times when someone either calls TD Bank, checks online or through other means the balance is likely to not be accurate. No distinction between balance, pending, and processing or basically no way to determine if costly overdraft would be used by consumer.
3. TD Bank intentionally and with though charges annual fees and even withhold temporarily monthly interest payments during times wherein several large transactions are pending and possibly large overdraft fees.
The above is observation from investigating and talking to many other customers that are considering a class action lawsuit against TD Bank.
As for me now, I did a fraud dispute for over {$2000.00} in fraud card transactions that TD Basnk never addressed but lied and said they did in 2014 and TD Bank most recently received a letter I mailed to them with tracking to their fraud department and it arrived over a week ago and several days before TD Banks most recant response and they don't report it. I want answers there on the fraud transaction and recant submission I did with TD Bank.
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| 11/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I obtained a used car loan from TD Bank with and they had my address incorrect for the first 3 months of my loan period. I called numerous times, tried to set up auto pay and I paid {$1200.00} last month. My payment of only {$590.00} and somehow I was charged another {$57.00} in late charges? I am only on my 6th payment and I am fairly certain I have been charged the same fee EVERY TIME. I called on a Saturday ( my day off ) and begged! to speak with a Supervisor because I have a 100 % on time payment history and work with everyone I have debt with to pay on time so this is no different except they will not take responsibility for dropping the ball. I'm looking at my statement and none of it makes sense. The statement date is XX/XX/XXXX but my payment is due XX/XX/XXXX. The statement doesn't tell me my interest rate, why or when the fee was charged or what the billing cycle even is. How have statements evolved to provide NO IMPORTANT information. The statement date is the XX/XX/XXXX but I got it today, XX/XX/XXXX which gives me 12 days to make a payment or get charged 10 % as a late fee?? I demand all of the fees be credited to my loan because I asked for a supervisor to call MONTHS ago and no call. I have no way of resolving this if the person I am talking to has no authority and nobody follows up with you forcing you to CALL AGAIN. I told her there is no difference to me to pay on XXXX or any other day of the month so why would I take a late fee. I am barely scraping by because I have made no money this year so why would I pay 10 % fees on loan I was told I can't refinance even though the rate on this loan is 7 %! They say they are about customer service but I have gotten no help, empathy or support while I try to resolve this. Again, I pad {$1200.00} on XX/XX/XXXX and the current amount due dated XX/XX/XXXX should a assessed late charge. I've basically paid {$360.00} EXTRA in fees. They don't even tell you how much you pay in interest.
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| 05/03/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
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I filed a dispute for a transaction dispute. A provisional credit was issued. On XX/XX/XXXX, I spoke to XXXX who advised the merchant responded advising he would refund if it was requested. XXXX requested document showing a refund was requested. On XX/XX/XXXX I faxed 11 pages to XXXX with all documents requested. On XX/XX/XXXX I received a letter stating the provisional credit was reversed. I called and was told the documents were not received. I was told to resend the documents and everything can be reviewed. They confirmed that XXXX was the correct number. Since the morning of XX/XX/XXXX I have attempted to fax around the clock to XXXX, the line is busy. I called on XX/XX/XXXX and was advised that XXXX is an additional fax number.. I am still attempting to fax to both numbers, and both numbers are busy. On yesterday I called and spoke to a supervisor and he says their fax lines are broken. I asked for an email or address so I can XXXX XXXX the documents and was advised the only way I can send documents is by these two non working faxes. They do not have an escalation department or an executive complaint process. My concern is I do not have the means to follow the process needed to resolve my issue. I have one representative assigned and XXXX advised this morning he can not provide her direct extension. I have left her a message on yesterday and I have not received a call back however XXXX advised this morning the representative noted the account to transfer all of my calls to her, but never tried to call me back. This is unfair to the consumer. I am not accruing interest on a balance I feel I do not owe per my accountholder agreement and I am doing everything in my power to send the supporting documents to prove this to no avail. I need help! I can not imagine that I am the only consumer experiencing this but I am the one to seek assistance. XXXX is too large of a corporation to operate without the technology to handle a simple dispute.
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| 03/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
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On XX/XX/XXXX I ordered a XXXX XXXX ( Model # XXXX XXXX XXXX XXXX ) online from XXXX. On their website, you can finance with them, and they use TD Bank for this purpose.
After waiting several weeks I contacted XXXX XXXX their online chat on XX/XX/XXXX about the status of our order as we hadn't seen any progress in the shipping. I will attach the chat with XXXX in the documents. They indicated that it was Lost/Damaged and returned to XXXX, without any contact to us. The representative on the chat could help me no further and directed me to call the Billing and Returns department. I did that the same day and was issued a refund by XXXX, as I indicated that due to this error, I no longer wished to purchase with them. I was told I would receive a full refund, and that it would take 2-3 weeks to process with TD Bank. I have the confirmation email concerning the full refund.
On XX/XX/XXXX A collections letter/bill showed up in the mail from TD Bank for this account, with a late fee added on XX/XX/XXXX. When I called, TD Bank indicated that the refund must not have posted, and to call back in a week. On XX/XX/XXXX I received a second collections letter from TD Bank and I called again. This time the representative of TD Bank could see that a refund was there, but had not posted yet. When I asked why then would I be charged a fee and interest on an account that should have a XXXX balance, as I had a full refund, the representative didn't have an answer and said they will have someone call me to rectify it. It is now XX/XX/XXXX and I have heard from no one and can get no where near a resolution with TD Bank.
This has been going on 8 weeks, I filed complaints against both TD Bank and XXXX with the Better Business Bureau on XX/XX/XXXX. XXXX has not responded to anything since XX/XX/XXXX and directed me to contact TD Bank, of which I am getting nowhere. My concern is I'm going to have a negative effect on my credit for a product I never received.
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| 12/04/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
XX/XX/XXXX I opened up a joint TD Bank account ( with my mother ) for use while I was studying abroad. XX/XX/XXXX I took out the balance from the bank account, walked into TD Bank and asked to close my account. The teller led my mother and I to a banker who reviewed the account information, and said that we do not have to do anything else but 'cut up our debit cards and discard them '. Since there was a XXXX balance on the account, he will close it. After that date, I would receive statements from TD Bank. After contacting them several times, I was told that they are unaware of why I am receiving statements since there was a XXXX balance and I closed my account. I walked into the TD Bank on XXXX XXXX and XXXX XXXX in XXXX and asked to speak to a Banker to handle this issue. The Banker could not find my account information and said that it was closed. At which point I asked to speak to a supervisor. The supervisor was not present and I was told he will reach out to me after I provided my information. I stopped receiving statements and assumed that the issue was handled. At the time I was in college and was aware that I should documented this situation with more rigor.
Today my husband and I decided to apply for a mortgage and after checking my credit history, I was told that my score is XXXX because I have {$41.00} outstanding as part of collections on that account. The {$41.00} is related to overdraft fees because I had no money in the account ( when the bank account required a balance at all times ). I have never received notice of collections related to this account. Furthermore, I have done everything in my power to close the through TD Bank and was misinformed throughout the entire process. This has now wrongfully affected my credit score and I was mistreated as a consumer. I am a working individual with XXXX debt, but I refuse to pay the {$41.00} as it was wrongfully incurred and should be removed completely from my credit history.
|
| 10/22/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Called into cfpb, this is not a duplicate, the other complaint was deleted, please proceed with this complaint.
I placed an order for a new phone directly from XXXX on XX/XX/XXXX for the XXXX XXXX. On their website, it showed a trade in credit for {$200.00} for my XXXX XXXX. I went ahead and placed my order and did financing through XXXX, which goes through TD Bank. The total cost of the XXXX minus trade in credit should have been {$520.00} ( {$720.00} MSRP ). Upon getting my email confirmation for the order, the trade-in credit only showed {$50.00}. At this point I called XXXX XX/XX/XXXX and talked with XXXX, he said that it was no issue, he would start an incident and that it should get fixed. XXXX told me to call back once I got the phone. On XX/XX/XXXX, I called XXXX and talked to XXXX who assured me that fix would get approved in the next 3-5 days from a supervisor. Called back on XX/XX/XXXX to ensure that this got approved before sending in my trade-in device and not being able to return the phone. They assured me that it would get approved and instructed me to send in the device. After watching my statements, no adjustments had been made. I called back on XX/XX/XXXX and they instructed me that they approved my claim on XX/XX/XXXX but it might take a month or two to show up. After checking my statement month after month, still no credit. Called on XX/XX/XXXX, they decided to deny my claim on XX/XX/XXXX, the representative told me to send in evidence again and it should get overturned. I complied and sent in again. At this point, I still have no received my credit and I tried to work through TD Bank to get this resolved. They have done no investigation beyond confirming the order and that the claim was denied. How can companies tell you that you will get a {$200.00} trade-in credit and confirm that it will get approved and then not do what you say you are going to do? I am now out my XXXX and a credit that was not as advertised.
|
| 08/20/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Thank you for using the XXXX Online Complaint System.
Your complaint has been assigned case # XXXX.
Correspondence regarding this complaint will be emailed to : XXXXXXXXXXXX print a copy of this for your records.
Filed on : XXXX XXXX XXXX by : XXXX XXXX XXXX XXXX XXXX CA XXXX against : TD Auto FinanceGiving me the run around and not processing my pay Payoff. XXXX XXXX 2015 I called TD Auto Finance to inquire about my balance on my XXXX XXXX XXXX. Account number XXXX They gave me the amount. I got a check from Credit Union ( XXXX XXXX ), I called TD Auto Finance back on Friday XXXX XXXX 2015 to get the proper address for express mailing Auto pay off. I mailed the check and preceded to call back on Friday XXXX to see when the title is going to be released, I was informed that my regular monthly payment is past due, I said how is that when I just paid off my loan. The agent put me on hold and then came back to the phone and said the check will be returned, because it was not signed but it was signed and it was made out to TD auto finance and my husband with my account number on the check. I asked the lady why did n't any one call me or let me know? She could n't answer me, I was in shock what if I had not called? The agent was very rude she hung the phone up on me. I called back on Wednesday XXXX XXXX and the same thing your account is past due, I said I sent a check to payoff my account and you said its gon na be sent back for signature. I was told that the check is now going to be sent to my credit union and If I do n't make my payment by XXXX XXXX I will accrue more interest. Since the XXXX of XXXX I have been trying to settle this matter.
I want them to find the check and close my account for the amount first quoted to me. And I will never ever purchase another XXXX vehicle from them again. My husband and I have been loyal customers for years but this was the last straw. This was the XXXX time we have been burned by this company.
|
| 07/07/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I returned two items to Nordstrom via USPS on XX/XX/XXXX, tracking for the returned item/package states it was received on XX/XX/XXXX. Through multiple contacts to Nordstrom chat and customer service line Ive been given different time frames for when my return will be processed. Its now been 34 consecutive days and 24 business days since I provided my return via usps, the FAQ section on the Nordstrom website states returns are proceed 10-14 business days, we are now 10 business days past the maximum business allotted to a return as per the FAQ section. On my Nordstrom card I keep receiving a charge of interest for this purchase when I do not have the item with me and I returned it once I received the return label. On XX/XX/XXXX I was told via a chat with the Nordstrom customer service that I should expect a return by Tuesday XX/XX/XXXX, it is now Tuesday XX/XX/XXXX and I place a call to Nordstrom customer service only to be told that only one item was returned and I should be receiving a gift card in the mail for it ( WHEN I PAID VIA A NORDSTROM CARD, I should be refunded in the method of which I paid ) and that the other item that was returned together, had not been processed and THIRTY days later they could still not tell me why. With a pandemic in place Im unsure where the logic of giving a gift card makes sense if I made a return because I didnt like the item and the item was approved for return because Nordstrom provided me a tracking label, that means I need my amount cash/credit paid returned as it was provided not at the choice and discretion of Nordstrom as they please. Im saddened by Nordstroms customer service and lack of communication between staff and towards the customer. I have not received any update on this return, not one email after I was sent the tracking number. And each time I call customer service each person I speak to is lost on the matter and does not understand why Ive been made to wait so long on a return.
|
| 01/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a complaint.
On the XX/XX/XXXX I asked for a due date change.
On the XX/XX/XXXX I asked for a due date change.
I made complaint to the Cfpb on XXXX REQUESTING A DUE DATE CHANGE I made a complaint with the XX/XX/XXXXon XX/XX/30 REQUESTING A DUE DATE CHANGE How many times do I need to ask for a XXXX due date change.
In XXXX I called 3xs. 2 of those times were to request a due date change.
it was a clear breakdown of communication in the past.
How ever to remedy this I requested a due date change for the 3rd. It was explained to me I need to wait for my account to be in good standing.
I did.
Now here I am ready to pay my card on the and I get hit with ANOTHER LATE.
I spoke to XXXX Id number XXXX She informed she couldn't change it. The late fee was because I failed to get confirmation on the late. And the the same information of how I change the due date and the time line in which to do it.
She informed me Target sent a statement so it's my fault if I didnt see it.
I told her and the staff before..literally every one in spoke too..I need a set date. I'm in and out of the hospital..I don't check I go in on the 3rd and pay. Per my record I've had one genuine late I've always paid on the 3rd. Because when I forgot my card the operator target said it was ok.
I understand there was a miss understanding. But at this point its very clear.
I trusted you guys to change it when I called 2 other times.
You failed.
I don't know your process it's not my job to know. It's my job to pay on time. And if I cant request a due date change Via phone in the time that was stipulated by Target.
Which I've done in the time line you given me by 2 of your operators. AND IN WRITING 2XS via cfpb and bbb. All times my account was in GOOD STANDING.
I dont feel like that's ethical for your staff to not change it.. then charge me a late fee. Then make it seem like you didn't know or I failed in some manner to ensure your staff follow thru.
|
| 03/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2022, I mailed a letter to NORDSTROM/TD BANK requesting validation of a debt that they have reported to the credit bureaus : XXXX, XXXX, and XXXX.
In this letter sent on XX/XX/2022, I also requested that NORDSTROM/TD BANKXX/XX/XXXXcease and desist communication with me. I mailed these documents certified mail and domestic return receipt ( see return receipt attached ). NORDSTROM/TD BANK received these documents on XX/XX/2022. To this date, I have not received validation of this debt AND the debt still remains on all XXXX of my credit reports.
On XX/XX/2022, I mailed my FTC Identity Theft Report to all three credit bureaus : XXXX, XXXX, and XXXX. In XXXX, all three credit bureaus removed the account from my credit bureaus. But later that month, they inserted the NORDSTROM/TD BANK account back on my reports. I requested verification of the debt by the credit bureaus, but NONE of the bureaus responded with the verification of the debt and they simply stated that NORDSTROM/TD BANK have verified the account. I requested the documentation of the verification, but none could be provided.
I am utterly uphauled at how NORDSTROM/TD BANK, XXXX, and XXXX have XXXX this matter. They are ruining my reputation by illegally reporting information to my credit bureaus. This illegal information have caused me much anguish and stress as I have struggled to buy a house for my family due to this inaccurate reporting of information.
NORDSTROM/TD BANK has not reached out to mediate this situation. They do not see the urgency mediating this matter. They have violated my federally protected consumer rights and they believe that they can get away with this without consequence.
NORDSTROM/TD BANK has XXXX ample time to resolve this issue and they have done NOTHING!
I demand the immediate removal of this account from the XXXX major credit bureaus and all secondary credit reporting agencies for violating my federally protected consumer rights.
|
| 02/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
ON XX/XX/XXXX TD BANK USA/TARGET CREDIT REPORTED IN CORRECT INFORMATION TO THE CREDIT BUREAUS.
EXAMPLE : CREDIT REPORT FOR ACCOUNT NUMBER XXXX, DATE REPORTED XX/XX/XXXX.
ISSUE 1 ) STATUS IS INCORRECT AS THE STATUS SHOULD BE PAID CHARGE OFF AS THE ACCOUNT HOLDER MADE A SETTLEMENT TO PAY OF THE ACCOUNT IN THE AMOUNT OF {$960.00} ON XX/XX/XXXX. ATTACHED PAID RECEIPT DATED XX/XX/XXXX.
ISSUE 2 ) CREDIT REPORT STATES LAST PAYMENT ON XX/XX/XXXX, THIS IS INCORRECT AS THE PAID RECEIPT STATES PAYMENT XX/XX/XXXX.
ISSUE 3 ) CREDIT REPORT STATES DATE OF MAJOR DELINQUENCY FIRST REPORTED ON XX/XX/XXXX. THIS IS FALSE AS THE ACCOUNT WAS PAID IN THE SETTLEMENT ON XX/XX/XXXX.
ISSUE 4 ) COMMENT SECTION STATES ACCOUNT PAID FOR LESS THAN FULL BALANCE. THE SECTION SHOULD READ ACCOUNT WAS PAID ON SETTLEMENT AGREED BY CREDITOR.
ISSUE 5 ) THE 81-PAYMENT HISTORY IS INCORRECT AS THE CO STATUS FOR XXXX XXXX, XXXX, XXXX IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX.
ISSUE 6 ) THE 81-PAYMENT HISTORY IS INCORRECT IS INCOMPLETE AS IT FAILS TO STATE FOR YEARS XXXX, XXXX, XXXX, XXXX.
ON XX/XX/XXXX TD BANK USA/TARGET CREDIT REPORTED IN CORRECT INFORMATION TO THE CREDIT BUREAUS.
EXAMPLE : CREDIT REPORT FOR ACCOUNT NUMBER XXXX, DATE REPORTED XX/XX/XXXX.
ISSUE 1 ) STATUS IS INCORRECT AS THE STATUS SHOULD BE PAID CHARGE OFF AS THE ACCOUNT HOLDER MADE A PAYMENT IN FULL IN THE AMOUNT OF {$300.00} DATED XX/XX/XXXX. ATTACHED PAID RECEIPT DATED XX/XX/XXXX.
ISSUE 2 ) CREDIT REPORT STATES LAST PAYMENT ON XX/XX/XXXX, THIS IS INCORRECT AS THE PAID RECEIPT STATES PAYMENT XX/XX/XXXX.
ISSUE 3 ) CREDIT REPORT STATES DATE OF MAJOR DELINQUENCY FIRST REPORTED ON XX/XX/XXXX. THIS IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX.
ISSUE 4 ) THE 81-PAYMENT HISTORY IS INCORRECT AS THE CO STATUS DATES IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX.
ISSUE 5 ) THE 81-PAYMENT HISTORY IS INCORRECT IS INCOMPLETE AS IT FAILS TO STATE FOR YEARS XXXX, XXXX, XXXX, XXXX.
|
| 09/24/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
XX/XX/2018 : After applying for a {$45000.00} Line of Credit through TD bank online, I was assigned a Loan Processor who I exchanged many emails with prior to committing to the LOC. In these emails, I was given the terms of the loan, as well as the repay back periods, and my monthly payment if I used the entire LOC. They were explained as follows : " Good Afternoon, the line of credit has a 20 year term. During the 1st 10 years you are paying back interest only, then during the next 10 years you pay principle and interest.
If you use the entire line, your monthly payment for the first ten years would be {$410.00} '' After numerous other email exchanges, based on the terms stated above, I proceeded with the LOC ; in order to be approved for closing, I had to put in writing via email, which I did, " We agree to the terms of this loan ''. The terms provided above.
We closed on our loan at our local bank branch, and verified the terms via email. We signed and closed.
I received my first statement in the mail, and with my surprise after only using XXXX of the line, my minimum monthly payment states {$590.00} ( principal and interest ) After numerous phone calls to representatives, I was handed off several times, I was informed the terms I was given, and consented to, in the email were incorrect, and that she made a 'typo '. And that I am actually responsible for paying 2 % of the line balance every month, and even though it is a 20 year term, that it would never actually get to 20 years or even 10 for that matter.
I went from being told " we may have to honor those terms '' to being told that this was a typo, and there's nothing we can do since the paperwork is signed and complete.
l was extremely misled, the 'correct ' terms were NEVER disclosed to me via email or at settlement ; I signed under false pretenses based on what I believed to be accurate information from bank representatives.
I can provide all email exchanges.
|
| 10/31/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
Servicemember |
|
After receiving an advertisement in the mail for a 'TD XXXX XXXX ', I submitted an online application for an express loan through TD Bank in the amount of {$3000.00}. Their marketing scheme for this loan is 'access your funds in up to 48 hours '. I submitted the application on XXXX XXXX, and it is now XXXX XXXX, and I still do n't even have an update on where my loan application stands. I have called TD Bank 's customer care/financial advisors - numerous times. So far, I have heard the following excuses from their representatives regarding why they do n't yet even have an update : - " It can take 5 to 7 business days. '' ( This was on my first phone call & I reiterated that the advertisement stated 48 hours ) - " It should n't be taking this long, I will email my supervisor to get back to you. '' ( This was on my following call, and I never heard back from a supervisor ) - " You have an advisor, but he 's unavailable and the website just has n't been updated yet. '' ( This was on the next phone call & I still have n't been able to reach the contact they gave me. And to this day, the last time the website was updated was on the day I submitted the application. ) Finally, I called and stated that the only reason I applied for the loan with TD Bank was because they sent me the advertisement. It 's now been long past 48 hours, and I still do n't have an update. I informed the representative that I was actually relying on the funds and that I needed an update soon. If not, I was going to look elsewhere. She stated to me that they 've already pulled my credit, and that the loan would be approved or denied by the end of the business day yesterday. She also advised that if I did n't see an update, that I should just go ahead and cancel my application with them and go to another bank.
At this point - I 'm not even going to call anymore. I am writing this complaint to inform the CFPB of TD Bank 's false advertisement, and marketing scheme.
|
| 08/24/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Settlement process and costs
|
|
Web |
|
|
I had XXXX home equity line on property A, for several years, and had a balance of approximately XXXX in XXXX 2014. I purchased another property ( property B ) for which I paid cash and I moved into it. For months I worked with TD bank to close the LOC on property A and take out an LOC on property B to pay off the XXXX XXXX Property B appraised at XXXX and I have a credit score over XXXX. I sold property A and had to find cash to close the line on property A all due to sheer incompetence at the local office ( XXXX XXXX XXXX, XXXX, CT ) working with an agent named XXXX and a Manager named XXXX XXXX. XXXX XXXX no longer works for TD bank. I finally secured the LOC by working with a women in their corporate office in New Jersey named XXXX. I had to close on the LOC at the local branch on XXXX XXXX XXXX, XXXX CT, again with XXXX and XXXX XXXX. At that time XXXX XXXX seemed to take all the credit for obtaining this loan for me, which he did nothing, and while XXXX tried I am not sure he ever knew what he was doing. At that time I expressed my concern about all the lost time on my new LOC, as I was worried about running into prepayment penalties. XXXX XXXX conveyed to me that if should become the case we could work something out. I received nothing in writing. I signed the documents, opened the new line, and now I have closed it 16 months into a 24 month commitment. They charged me the full {$450.00}, I tried to, work, it out with them, but between being on hold for hours, telling my story over and over, the new ( as of 5 months ) branch manager at the local branch told me to go pound sand. I am extremely frustrated at their lack of continuity, respect for customers time, incompetence in creating this situation in the first place, and unwillingness to try to reach any sort of amicable solution. I do not know if I have any legal grounds to stand on but certainly want them as well at the banking commission to know of my displeasure. Thanks
|
| 12/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
I have purchased furniture that cost XXXX $ at Raymour and Flanigan in XX/XX/XXXX. When I purchased, I was ready to pay immediately but sales associate has recommended the 0 % XXXX interest offer for 18 months. I was told that 0 % interest for 18 months and 29.99 % after that for the remaining balance. I was asked to signup for the credit card through online. No one mentioned its deferred interest on the whole amount. It may have been in the fine print of terms hidden in the 10+ pages when I signup.
I did setup XXXX $ auto payment to finish before XX/XX/XXXX. However for some reason additional purchase in XX/XX/XXXX which accounted to miss my promotion dead line of XX/XX/XXXX. I have been paying my dues regularly and supposed to finish the payment before XX/XX/XXXX. Due to additional purchase, there was XXXX $ balance on XX/XX/XXXX.
Due to this, TD Bank has charged deferred interest of {$1800.00} for the whole amount XXXX $ instead of balance pending XXXX XXXX When I saw the account, {$1800.00} charged as Finance charges i was completely shocked and even it would have been interest charges it would have been 29.99 % APR on XXXX $ balance amount. Once I see this I paid {$1000.00} on XXXX immediately.
TD bank has never send an alert on the promotion expiry but they include in the statement in fine print bottom of statement.
I could have paid the whole balance on day one but Raymour sales associate has asked us to use the 0 % API. if i would have got email alert on promotion expiry, I would have paid on the same day.
I had reached out to TD Bank customer service and asked them to reduce the interest on only balance amount which I am supposed to pay. I got response from TD bank that {$1800.00} interest is correct as per the terms.
Now I have paid all the interests with XXXX balance to prevent accrual of the over interest again.
I am raising this to consumer protection to address this over interest charged on full amount.
|
| 05/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
TD Bank - XX/XX/XXXX - XX/XX/XXXX POSTING DATE XX/XX/XXXX DESCRIPTION OVERDRAFTPD AMOUNT Subtotal : XXXX XXXX Overdraft fee collected for two transactions that were made with plenty of funds to cover it.
This is shown from my deposits and daily balances during this period.
Electronic Deposits : 1 ) XX/XX/XXXX = {$50.00} 2 ) XX/XX/XXXX Online Xfer Transfer from SV XXXX eTransfer Credit XXXX 3 ) XX/XX/XXXX Online Xfer Transfer from SV XXXX eTransfer Credi XXXX Total {$1000.00} deposited Electronic Payments : XXXXDEBITCARDPURCHASE, ***. - {$75.00} XXXXDEBITCARDPURCHASE, ***** - {$72.00} XXXXPHONETRANSFER, ToCHECKINGXXXX - {$35000.00} XXXXNONTDATMDEBIT, ****- {$200.00} XXXXNONTDATMFEE. *** - {$3.00} XXXXDEBITCARDPURCHASE, - {$35.00} XXXX, XXXX XXXX XXXXDEBITCARDPURCHASE, - {$37.00} XXXXDEBITPOS, - {$100.00} XXXXDEBITCARDPURCHASE, - {$14.00} 02/25DEBITCARDPURCHASE, - {$22.00} XXXXDEBITCARDPURCHASE, - {$22.00} Total : {$940.00} Purchased = {$110.00} still in account The daily account balance showed no negative activity during those dates : DAILY BALANCESUMMARY DATE XX/XX/XXXX {$180.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$340.00} XX/XX/XXXX {$210.00} Balance XX/XX/XXXX = {$210.00} Overdraft fee XX/XX/XXXX of - {$70.00} The fee was charged for transactions made after a {$500.00} deposit.
There are more unscrupulous overdraft fees that I was charged for transactions I made after insuring the account had enough funds and that any recent deposits had already appeared on my account.
I couldnt have used my card without proper funds. They calculated the debits of the day not in the order received, but always to an advantage of causing a fee, which would show up as a surprise days later.
I was charged {$1000.00} in overdraft fees for XX/XX/XXXX, account opened in XX/XX/XXXX/XX/XX/XXXX. XX/XX/XXXX was charged over {$170.00} in overdraft fees for 2-3 months.
Help recovering this huge discrepancy is greatly appreciated.
|
| 09/05/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
I received a letter from Date : XX/XX/XXXX Re : Dispute and validation request XXXX Ref # XXXX XXXX Customer : TD Bank XXXX/XXXX Credit card Original Client Acc # XXXX XXXX XXXX XXXX, XXXX, Doing business As, XXXX XXXX XXXX XXXX / XXXX, FL XXXX This company sent me a lot of statement from XX/XX/XXXX to XX/XX/XXXX relating to credit card debt because last three month i receive a notice of collection that I owe XXXX credit card the sum of {$300.00}, I reply that I did not know this debt and need debt details, now they sent me about 10 statements from XX/XX/XXXX to XX/XX/XXXX beginning with transaction {$50.00} on XXXX + accumulation original debt + interest + penalty monthly up to amount of {$300.00} in XXXX. After reading information from news paper said that XXXX is hacked and leaking many thousands customer 's identities ( in XXXX ) I do not use XXXX credit card.
So far, I did not receive any statement notification by email or by mail of Target since XX/XX/XXXX. I think my identity was leaked by XXXX and other guy can use it to apply for XXXX credit card and use it under my name.
Why XXXX or TD Bank do not sent monthly notice or statement by email or by letter as other entity issuing Credit card like XXXX, XXXX XXXX, or Banks? Why they hiding the statement? what for? why they intentionally hiding them until the accumulation amount up to {$300.00} from the beginning amount only {$50.00}??
If they sent statement to me monthly, I should have paid in full the first statement dated XX/XX/XXXX {$50.00}!! They must have responsibility to leak identity of customer and did not info customer this problem! in XXXX i must close all my bank account and freeze my SSN to prevent from identity thief.
This is not a fair business to hide statement for a long time to collect accumulated penalty and interest, they did harmful consequences by leaking customer 's identity!!
I need help from CFPB to resolve this problem asap.
Thank you.
|
| 11/27/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Dear TD Bank Customer Service, I hope this letter finds you well. I am writing to express my dissatisfaction with the recent response I received regarding my fraud claim, Case ID XXXX. I appreciate your prompt attention to such matters, but I must convey my concern with the resolution provided.
Upon reviewing your email dated [ Date of the email ], I was surprised to find that the reason for the rejection of my fraud claim does not align with the information I provided during my conversation with one of your agents. The email suggests that the transactions in question are valid and attributable to my actions. However, I would like to reiterate that I was out of the country, specifically in XXXX, during the entire period of the disputed transactions.
I want to emphasize that these transactions are not mine, and I have not authorized them. As I communicated to the agent, I was not physically present in the location where these transactions took place. Therefore, I find it perplexing that the rejection reason points to the transactions being legitimate.
I kindly request that you thoroughly investigate my case once again and reconsider the rejection of my fraud claim. It is crucial for me to resolve this matter promptly, as the unauthorized transactions are causing significant distress and inconvenience. I am confident that with the correct information, you will be able to rectify this situation promptly.
Please provide a detailed explanation for the basis of the rejection and, if possible, share any supporting documentation or evidence that influenced this decision. Additionally, I request that you keep me informed of the progress made in re-evaluating my case.
I appreciate your prompt attention to this matter and trust that TD Bank will take the necessary steps to resolve this issue in a fair and timely manner. If you require any further information or clarification, please do not hesitate to contact me at XXXX or XXXX XXXX
|
| 07/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
Older American |
|
XX/XX/2023 - Per online auction I purchased 3 items ( {$1900.00} ) of music memorabilia purported to be 'autographed. ' One item was to be accompanied by letter establishing provenance which seller failed to provide. All 3 items came with " Certificate of Authenticity '' issued by seller.
On/about XX/XX/2023 goods received. Seller recommended authentication 'expert ' which I researched and found had a questionable reputation. I researched and contacted reputable expert.
XX/XX/2023 Items ' autographs verified by authentication experts to be forgeries. I contacted seller advising of failed authentication and requested to return goods. Seller refused.
XXXX - I called Customer Service of TD Bank , issuer of XXXXXXXX XXXX XXXX XXXX ( with which payment was made ), to advise of fraud and dispute {$1900.00} charge. I offered to send report of authentication expert and correspondence with seller. Representative declined to receive same.
XX/XX/2023 - I received two letters from TD Bank : 1 ) dated XX/XX/2023 stating, " additional information is needed relating to transaction ( s )... '' and, 2 ) dated XX/XX/2023 stating, " Our review determined an error did not occur '' and " Must be resolved with the merchant '' and " You have the right to request documentation used to make our determination. '' From this point forward I made all communications on TD Bank 's website so there would be a 'paper trail ' of correspondence. Attached are copies of all website 13 messages correspondence ending XX/XX/2023 including my repeated requests for above mentioned documentation.
At all times TD Bank has both refused to comply and failed to reply.
Upon research I discovered that the 'merchant ' is a know purveyor of forged signature memorability with a " D+ '' rating with XXXX.org. I also have entire file of 25 messages between myself and the merchant, including 6 requests for instructions for return of forged items, all of which were refused.
|
| 09/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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|
On XX/XX/XXXX, the company I worked for used my personal credit card to make purchases from XXXX and XXXX instead of my business credit card, unintentionally. When I first noticed the charges on my personal card I reported them as fraud, not realizing what had happened. Once I realized the error, both companies were paid with the correct company credit card. I contacted TD Card Services to tell them that the charges weren't fraudulent, but still made in error. Rather than continue my dispute of the charges they closed the dispute and put the charges back onto my personal credit card. For months I called to inquire about the credit being placed back on my card. On XX/XX/XXXX, per TD Card Service 's request, I faxed them the receipts from each company that clearly show that my personal card was charged, then returned to my personal card and paid with the company credit card - yet still the credits were not put back onto my account. Recently, they told me there was nothing they could do and to contact the merchants for a refund. In doing so, both merchants told me that they accepted the chargebacks in XXXX of XXXX and that my credit card would have to return the funds since they no longer had them. I provided this information to TD Card Services and continue to call them regularly - each time I get a different response. Some say they can see in their system where the chargebacks were accepted by the merchants and that I am due credit, promising escalation of my dispute to supervisors. Some tell me that they can not help me because my dispute was closed. Since this all began in XXXX of XXXX, I have been paying interest on the {$4700.00} that was charged to my card as well as over limit fees. Again, some calls to TD Card the representatives assured me all of these would be refunded, some have said that after the dispute is resolved I can request those be refunded from customer service, and some telling me there is nothing they can do.
|
| 12/05/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
I opened my savings account with TD on XX/XX/XXXX in XXXX. had no issues till today XX/XX/XXXX when I realized a fee of {$4.00} was being taken out my account for each withdrawn/transfer to my checking account was made. of a total of XXXX charges since XXXX ( {$270.00} total ). So I called the TD banks line and I was told the fee was a government regulation, due to me transfer more than 6 times ( using electronic methods ) So I told she was wrong it was not a government regulation because I have a chase account and they don't charge, so she change her story, saying it was a TD bank rule that only allowed me to transfer 6 times a month without fee, putting more pressure on her, I learned that if I didn't want to pay any fee I had to go to a branch and used the ATM machine to transfer every time. So I went to the bank on XXXX XXXX and talked to a manager XXXX, I expressed my concerns with the fee and she told me it was on my contract, that I had signed for it when I first opened the account,. I told her I was never told of that ruled and it was not in my contract, I requested a copy of contract and she stepped out for XXXX minutes and came back with saying that the new rule was applied this year starting on XX/XX/XXXX. they said they sent a letter out to all savings costumer, which I did not received, she made to log into my online statement and pointed out it was written on top of my month statement ( in very lower caps, you can barely notice ) in the statement mentioned the fee but it did not mentioned that you could go to a branch and make the transfer without any fee using their branch ATM. She also showed a letter that was sent out to each client, which I never got it, the letter it is written in a large format, and you can read clearly, I believe they did not send to anyone that has a savings account with them that letter ( which does mention the no fee transfer at the branch ). I am looking to have the {$270.00} fee refunded
|
| 01/17/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
TD AUTO FINANCE Date XX/XX/2020 XXXX : VIN # [ XXXX ] To Whom It May Concern, This letter is a formal statement notifying the above party that the accounts under VIN # XXXX ] are disputed. Repossessed in the state of GA and sold by TD AUTO FINANCE Under the laws of GA and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this letter, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system. A copy of this letter will be sent to the names listed. Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
|
| 03/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/XXXX, I found out that my checking account where I receive my salary and keep my savings was closed by TD bank without delivering any notice to me. After reaching out to their call center, I was told to contact the local branch where I had opened my account. On XX/XX/XXXX, I called the TD Bank on XXXX XXXX XXXX XXXX, XXXX, SC and spoke to the branch manager XXXX XXXX XXXX who stated that the reason for closing the account was that I had not updated my ID with their bank for the past two years. He claimed that it was the law and the banks policy and the clients responsibility to provide their bank with updated copy of their ID even when not requested. He claims to have sent me a letter and left me a voicemail which is false and I have not received any communication from him.
Apparently, he had sent the letter to my old address even though TD bank had my updated address on file ( this was later confirmed by the call center and in the adress change confirmation message I received in XXXX ). He stated that he is absolutely unable to help me in accessing my money and that I should call the De-marketing team by phone and ask them to recover the funds. I called their number, but I can only leave voice messages. They have not responded to my message after 2 days. I called the TD bank call center and they informed me that they will try to reach out to the particular team and I was told to expect a check with the remaining balance on my account to arrive at least after two weeks from XX/XX/XXXX and that it is supposed to be sent to my new address but they can not confirm and will request that.
I am currently locked out of all my cash for more than a week and unable to pay my expenses, bills and rent. I need immediate access to my money.
I can not wait any longer to access my money as I am falling behind on payments due to TD Banks fault and mismanagement of my account.
TD account details Routing # : XXXX Account # : XXXX
|
| 10/14/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I sent 3 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section.
2. Failed to provide copy of the original contact bearing my signature.
This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item.
Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
|
| 08/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I've disputed this Target account over the past 2 years and nothing has been done to correct the issue. XXXX finally removed the account and then reinsert the account without my knowledge or notification. Target is required to provide validation to me and XXXX before an account can be reinstated and Target did not. XXXX is supposed to notify me within 5 days according to the FCRA and XXXX failed to do so. XXXX must permanently remove this account and not allow it to be reinstated. The CFPB must report Target to the FTC and hold XXXX responsible and pay me for the multiple violations. I can show proof that XXXX has allowed at least 3 violations per month for at the minimum of 2 years. The CFPB can look at the record of my complaints and documentation provided to justify my monetary judgment and XXXX refusal to pay. I was willing to settle and XXXX refusal because of the impoper investigation. I'm willing to settle for {$24000.00} which is {$2000.00} per month for a year. I could get more plus lawyer fees because the FCRA has laws and guidelines that must be followed and XXXX has violated each and every one. XXXX must be held accountable and I'm entitled to payment within 14 days and the removal of this account. Target has violated rules of the FCRA as they haven't validated this account or provided the original contract and yet the account remains. Target has continued to reage and report inaccurate information and XXXX is guilty of allowing them to continue to hurt my credit. I'll be able to show because of XXXX allowing Target to reinsert the account, reage, and report inaccurate information I was denied for a mortgage. XXXX must pay for the violations it has allowed by Target and any refusal or no payment in 14 days justifies a lawsuit and attorney fees. I've been patient and tried to settle this by filing the necessary complaints and I've yet to get my credit report corrected and the monetary money I'm owed for violations.
|
| 07/28/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Opened an account with TD retail card services to gain 0 % apr on a furniture purchase from XXXXXXXX XXXX XXXXXXXX in XXXX XXXX. Their payment service is unreliable. Initially schedueld monthly automatic payment in XX/XX/XXXX, to find out that it didn't work and recieved a late fee ( {$27.00} on XXXX ) and a fee for returned check ( {$25.00} on XX/XX/XXXX ). This happened again in XXXX, with a late fee ( {$35.00} on XX/XX/XXXX ) and returned check fee ( {$60.00} on XX/XX/XXXX ) even after confirming multiple times with their customer service that it was set up. Then again on XX/XX/XXXX a late fee for {$29.00} when the automatic payment failed, so I stopped using automatic payment online and shifted to single monthly payments. This was worse, as I'd make a payment a few days before the due date when it was drafted from my checking account, and recieved a confirmation of payment from TD retail card services that the payment was on time, only to find that it didn't process in their system until after the due date and recieved a late fee in XXXX ( {$40.00} on XXXX ) and then again in XXXX ( {$40.00} on XXXX ). Then on XX/XX/XXXX I recieved a letter stating my account was past due, but according to my records and theirs my account was paid for XXXX and XXXX ( I paid a month in advance to allow time to resolve these issues.
The company did reimburse a single late fee, as they only have the ability to do so once per 12 month period, however, these late fees are invalid. Their online payment system doesn't work. Their customer service is unwilling to review information. For all of these fees I have documentation of on time payment.
Upon looking up reviews and XXXX complaints, I was suprised to find that many many people have a similar experience with this company as the reviews are anaologous to my experiences.
At this point, I want to pay the account in full after they remove all late fees, so I can be done with them forever.
|
| 09/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
XX/XX/XXXX my account had a person addex to the acocunt as my son. his name is XXXX XXXX. my account was locked out due to chargeres being taken from my account. XXXX XXXX to b exact. i had called td fraud and told them i dont know this person and i dont authorize XXXX XXXX being taken out. i even got voice varified right after due to the fraudulent activities. i woke up on XX/XX/XXXX to two XXXX dollar XXXX transactions removed from my account. paid through XXXX. i had immediately called td and they tried to cancell the transactions but it was too late. i went to my td bank in XXXX ct. the branch manager told me a police report wouldn't change anything and that we just need to file a dispute.. the dispute was denied for geolocation was the same. i was then told by the fraud department a police report will help. so i went and got the report and then went bank to td in XXXX where XXXX the other manager failed to properly resend the dispute ... my 2nd dispute was then denied. when asking why they said the police report was never sent.. i called td in XXXX and XXXX the branch manager who " sent '' it in said it must of gotten lost ... she then blammed other people for her actions of this lost police report. she claimed other ppl handled it when she was the one who handled my second dispute then lost my police report. after callimg td fraud and managers i still got no where. td is telling me its my fault i allowed my sccount to be compromised.. i dont see how they are right when i called on the XXXX about the first XXXX $ being withdrawn.. then another grand was removed ... so XXXX just thrown away and td thinks my police report is a joke and told me to go XXXX myself because its not fraud. this is the most unprofessional bank I've ever dealt with.. from fraud to branch managers td had no idea how to handle this situation and it has left me fighting td for over a month and i still cant afford any of my bills or way of life ....
|
| 12/12/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
On XX/XX/XXXX, I initiated a wire transfer of {$800.00} in person, at TD Bank Branch # XXXX ( XXXX XXXX XXXX XXXX, XXXX NY XXXX ). This money was being sent to my mother. XXXX XXXX # XXXX.
On XX/XX/XXXX, the transaction was posted to my account : {$800.00} were deducted from my account. The wire transfer never reached my mothers bank.
My statement ( attached ) shows the only note on that transaction : XXXX WIRE TRANSFER OUTGOING, SUSPECT/BLOCKED OFAC WIRES Starting XX/XX/XXXX, I kept reaching out to the TD Bank Customer Service XXXX XXXX, also went to the Branch # XXXX in person, and reached out to XXXX XXXX XXXX Vise President, Store Manager, TD Bank ) and XXXX XXXX XXXX Store Supervisor, TD Bank ) with multiple requests to return my money to my account or provide any official information as where the money has gone to. TD Bank keeps refusing to send me any letters to confirm anything in writing. The only response was from XXXX XXXX in his email reply on XX/XX/XXXX you need an XXXX license to release the wire. Ever since, Ive been trying to obtain information required for the application for that XXXX license, but the Bank refuses to provide the required information for teh XXXX application. The Bank gives me a run around - so I dont have information to complete the application for XXXX license.The Bank refuses to assist with the application. XXXX does not reply to my emails. XXXX states he will call back, and does not. Customer Services states it's the Branch that has to file for the XXXX application, not me.
The only written document I received to date was a printout on XX/XX/XXXX ( attached ) that shows that {$0.00} left TD Bank - this was printed after my multiple requests in person at the Branch. I never received any confirmation if TD Bank started a Wire Transfer Investigation as I had requested.
Yet, the {$800.00} is gone, as if vaporized. XXXX actually said I am not the only TD Bank customer in this situation.
|
| 07/21/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
Respected CFPB Officer, My previous employer sent a wire transfer on XXXX XX/XX/2019 through their XXXX XXXX ( XXXX ). The details are listed below.
Sender reference : XXXX XXXX Transaction Reference : XXXX Payment amount/currency : XXXX Payment value date : XXXX ( XXXX XX/XX/2019 ) I called my bank ( TD Bank ) XXXX XXXX, XXXX, XXXX of XX/XX/2019 to enquire about the status of the incoming wire. Since customers do not have the option to talk directly to the wire department, the TD Bank 's phone agent interfaced with their wire department and told me that the wire will be returned as TD records do not have my middle name and the wire is addressed to my full legal name. Since I gave my official records during the creation of the TD bank account, I asked the agent whether I could run to a TD local branch with my passport and correct the name instead of they rejecting the wire transfer. The TD executive apologized and said the wire needed to be returned and the sender had to reissue the funds again.
I have been following up with my former employer and their bank ( XXXX ) ever since to reissue the funds but they say that they don't have the returned fund from TD. It seems that XXXX and their intermediary Bank ( XXXX ) reached out to TD via several messages to return the funds but they claim that there was no response from the TD wire department.
In XX/XX/2019, I went to my TD local branch and when the branch called the TD wire department, they seem to have no record of the incoming wire and rejection.
The Sending Bank ( XXXX ) launched another investigation and finally concluded that the money is still with TD and they continue to not respond.
My problem here is that no Banks ( Sender : XXXX, Receiver : TD, Intermediary : XXXX ) are taking ownership of the missing amount. I have severals emails ( 40+ ) showing the correspondence/follow up and I am attaching few key ones here with this complaint.
Could you please help?
|
| 01/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
RE : TD BANK COMPLAINT In the Spring of XX/XX/XXXX, I received my yearly request for proof of my hazard insurance from TD bank where I have a small mortgage on a home. I sent proof to the fax # they provided in their letter. I sent it 2 times. On XX/XX/XXXX I received a 2nd notice that they did not have receipt of the insurance. I then had my insurance company send it.
On XX/XX/XXXX I called the number on the letter and spoke with " XXXX '' who confirmed the bank 's receipt of the homeowner 's insurance policy. I faxed it again to the name on the letter. ( attached ) I received another letter dated XX/XX/XXXX, still not acknowledging receipt of the policy. I then on XX/XX/XXXX, XXXX XXXX, again called the number on the letter and explained, again, that I have sent and received confirmation that the bank had my insurance policy on file. I spoke with " XXXX '' and she verified the same.
Again, I called on XX/XX/XXXX ... ditto.
I received a TD bank monthly payment notice for XX/XX/XXXX stating that on XX/XX/XXXX my mortgage amount would be going up from {$1800.00} to {$2400.00} automatically deducted from my checking account. I called again on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX I spoke with XXXX who again stated it had been corrected and would have a supervisor, named XXXX XXXX, call me to confirm this would be immediately corrected and I would be credited the overcharged amount that they withdrew from my account.
I called again today, XX/XX/XXXX and spoke with " XXXX '' who said a supervisor would call me back. I said I would like to speak directly to a supervisor and she transferred me over to " XXXX '' who again apologized and said the escrow dept was at " year end '' deadline tomorrow but should get back to me tomorrow.
This is a fraudulent, bogus business practice. I have been trying to get this resolved for 8 months and now they are overcharging me for duplicate insurance. This is highly unethical and illegal.
|
| 10/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Earlier in XXXX, I received a pamphlet from TD Bank enticing me to open a checking account with them, promising a {$300.00} bonus after required steps are complete. I read the fine print at the bottom carefully whose relevant part is cited below : " Offer valid from XX/XX/XXXX through XX/XX/XXXX and is available to the new personal checking Customers who received a promotional mailing and who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. '' However, after I opened a new checking account on XX/XX/XXXX and completed all the steps and after the supposed deposit date for the {$300.00} bonus has passed I visited a local TD Bank branch and was verbally told by the local banker that I should be eligible for the {$300.00} and they are not sure why it has not been deposited. They asked me to check back after a week while they communicate with the back office. A week later I checked back and the local banker told me the back office denied my {$300.00} bonus on the ground that all prior customers who had received a similar bonus in the past is no longer qualified for the {$300.00} bonus.
Admittedly, I did open a similar checking account with TD bank in XXXX and received a prior bonus for doing so. The previous checking account was closed in XX/XX/XXXX, and thus I was relying on the language of the pamphlet to conclude that since the " preceding 12 months '' would start to run from XX/XX/XXXX through XX/XX/XXXX. However, the position of the TD Bank 's back office is far more restrictive - it is stating that if I had received similar bonus ANYTIME in the past, for example, 5 years ago, I will no longer be eligible for the current {$300.00} bonus at dispute. This position directly conflicts with the wording on the pamphlet and constitutes fraudulent advertising inuring to the benefit of the company and to the detriment of the consumer.
|
| 04/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I went to TD bank Branch on XXXX XXXX XXXX XXXX DE with {$3000.00} cash and I used the ATM Machine To deposit my Money. The cash which was my pay By the way was in a form of Mixed Bills XXXX and XXXX bills. Since I already know that the machine won't accept that many bill at the same time so I decided to do two deposit consecutively. I made the first deposit with out paying attention to how much exactly it was, It went trough fine with no problem and the second transaction after I put the stack of cash in the machine that's when an Error occurred and the machine get stocked. I got a message asking me approximately how much was my Deposit? Since I wasn't sure I just Put a number {$1800.00} Hoping that whoever will handle the transaction will figure out how much it was. All I know at that time That I had {$3000.00} in Cash. When I Check My Account Later I found out that Indeed the first deposit was {$2100.00} so instead of XXXX That I put it should have been {$880.00}. I called them The next Business day to correct it. They Open a dispute case on my behalf and they tole me that they will Count the deposits in their defaulted Machine and let me Know. At the Mean Time they Gave me credit for my {$880.00}. I received a letter from them few days ago saying that the case was closed to my favor and no more actions will be required. I was Shock when i checked My account on XXXXXX/XX/23 to see that they went to my account and took the {$880.00} again Unjustly. Someone did not do his job Right. I'm sure If they had Counted their Money right in that Machine we wouldn't be having this complaint.
I Really appreciate your help resolving this matter. If I was really a bad guy or trying to cheat them I would have stick to the original Number That I put the first time which is {$1800.00} but Instead I was Honest and That's what I get because of My Honesty.
Please Help me resolve this Issue.
Respectfully Yours.
XXXX XXXX
|
| 07/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX I entered an agreement with TD BANK USA/TARGETCRED on a credit card balance card of {$3600.00}. Prior to a dismissed Chapter XXXX bankruptcy, my account was in good standing. After the Chapter XXXX was dismissed, I tried to resume payments but was told the account had been charged-off. I agreed to a settlement of {$1800.00} making 6 payments of {$300.00} to satisfy the account. I was told I could call back and re-negotiate the agreement after a few successful payments. I called back on XX/XX/XXXX and ask to re-negotiate the agreement to {$900.00} due to financial issues which was a direct result of COVID-19. I earn income as a XXXX XXXX XXXX and a XXXX XXXX for XXXX ; as you are aware all institutions of education were impacted. My supplemental income from those employers went from $ XXXX to {$0.00}. I shared this information with the Target Rep. I paid the {$900.00} based on the re-negotiated request in XX/XX/XXXX. None of the payments made were reported to the Credit Bureaus. I spoke with the Target representative on XX/XX/XXXX regarding this account and I was told the XX/XX/XXXX agreement was no longer an option and the {$900.00} settlement agreement was denied and I would have to enter into a new agreement based on the current balance of {$2600.00}. I was told $ XXXX was required to satisfy the account. It is evident TD/Target Credit is trying to collect 2-3x more on the account as we all know the charge-off ( bad debt ) was transferred or sold to a collection agency for pennies on the dollar and then reinstated to collect from me again. Not to mention, TD/Target Credit One filed this charge-off as a loss on its balance ledger to the IRS. This is causing an adverse effect with my federal employer and my clearance which is a requirement for my continued employment and an extreme hardship to my credit report. I have since been extended new credit with TD/Target Credit and the account is in good standing.
|
| 04/11/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I am not sure why the CFPB is in existence.
This is merely a paper push cloud of a record. The CFPB and its contracted employees do not read the complaints. Only the bank I am filing the complaint has complete control over there lying and egregious behavior.
I paid this loan off early and charged for doing that! When I made the last payment and logged in I was told to pay {$180.00} than the nerve of XXXX XXXX Just a lying unethical XXXX XXXX I am going to report him to XXXX XXXX DC to every XXXX so he is put on the radar and not do this to other people.
Than the statement showed I short paid! Why would I short pay! Its absolutely absurd and dealing with XXXX people who think its ok to lie and actually think they are going to get away with it. That is not going to happen XXXX XXXX is an XXXX who is XXXX in a XXXX end job and has a personal vendetta against me. I am going to file legal against him for trying to charge fee, interest stating I short paid the loan and still not reporting my loan is paid in full at a zero balance.
This person is going to take full accountability for his actions and what he did to me in the last three years. Total banking violations.
I am mailed I paid off my loan but yet these XXXX can not report its paid to all three credit bureau. I do not have a payment of {$220.00} or any other payment for that matter. This is a complete banking violation and once again filing another CFPB complaint. I am reporting to XXXX XXXX at the OCC and every other top official so TD and this person does not abuse anyone anymore or think they have power to extort fees, interest, lie about a short pay! XXXX XXXX I will make sure your name in the banking world is red flagged and you are put on complete radar with your egregious behavior. Shame on you.Your unprofessional, you lie right through your XXXX teeth. It will not be tolerated any longer. Your angry because your in a XXXX end job and TD Bank XXXX
|
| 01/09/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
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|
To whom it may concern, I hope this email finds you well. I would like to resolve this issue and get my promotional offer of {$300.00} as TD Bank promised. I am escalating this matter because customer service couldn't help.
Unfortunately, TD did this same thing to my husband as well. They always trick customers. It's unacceptable! They don't care about your customers. If we don't go for a resolution, we will never ever use TD bank again and I will tell this to our friends and family as well. They all should avoid their services if you don't care about your customers. We were even thinking to bring our investments and IRAs to TD XXXX portal but now we are not happy with this situation at all.
I opened the bonus offer via your website and it was saying {$300.00} bonus. via this link : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX & XXXX & XXXX There was nothing about XXXX XXXX Mail ' campaign on the link even in the blueprint. And this time we read the blueprint in detail 3 times. We always open different bank accounts with different banks and we never had any issues like this with another bank! They are always click-baiting new customers! We gave them a second chance and this time we read all the blueprints did the right things. This is awful! They should do some empathy and see this from their customer 's side. They literally betrayed us. They just care about a new customer 's direct deposit and they're not loyal to their words and promotions. It's very frustrating. They just care about our money, not your customers as they said on your PR and quotes.
Please do your best to resolve this unprecedented treatment to your customer. I completed all of the required steps as you requested. I do demand my {$300.00} bonus as you promised. Please send the bonus via snail mail to my address Thank you for understanding. Please accept my rage and frustration on this matter.
Best regards,
|
| 09/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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|
XXXX Please review this updated complaint I submitted the wrong bureau letter in previous complaint*** A couple of years ago I purchased a home but prior to being able to I had to have my credit repair there was a professional that came highly recommended who repaired and rebuilt my credit for the purchase. At closing on my house my credit score was a XXXX so I didnt have a need to check my credit to often but when I did I noticed that a car had been finance. I have never been in receipt of the vehicle that ultimately was repossessed. XXXX XXXX is who I suspect used my information to acquire this car because he had a side business with XXXX where he would purchase XXXX and rent the vehicles out. I have been a victim of identity theft in the past and I also have an extended fraud alert on my credit which he added so he would have access to my information. I contacted the XXXX Police Department and the XXXX XXXX Police department. XXXX Police Department stated there was not much that they can do without more information on XXXX XXXX. The XXXX XXXX stated that XXXX XXXX did not come up with any suspects and that XXXX XXXX could be an Alias. I contacted the dealership and they confirmed the vehicle was delievered to an address that was not my own. I was eventually able to locate XXXX XXXX and advised him I would find him and press charges unless he made arrangements for me to get the car back right away and unfortunately because I did not create a budget to own a XXXX I thought I was doing the right thing by returning the car. I didnt want to get him in trouble because he helped build my credit but looking at my report this account is hurting me personally and business wise. On XX/XX/ and XX/XX/ I sent letters to the credit bureau 's and creditor. The repossession was removed from XXXX and XXXX but not from XXXX. The creditor has not responded to my letter sent in which I attached a copy of my identity theft affidavit.
|
| 03/07/2017 |
Yes |
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Web |
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In 2016 while making a purchase at Target I was asked if I wanted to apply for a Target card to receive 5 % off my {$28.00} purchase. I agreed, I apply and I was approved for a Target Store Card. Weeks passed and I never received my Target card, and frankly I forgot about my {$28.00} purchase. Months later I am contacted by Target Card Services and told that my account is in collections for over {$130.00}. I am told that the balance is a result of my initial {$28.00} purchase plus late fees and interest. We discover during the conversation that Target Card Service had my address incorrect. I appears that the Target representative who I handed my drivers license to when I made my {$28.00} purchase, incorrectly entered my address into the Target Card system. Subsequently, Target Card Services sent my Target Card and statements to the wrong address. I updated my address with Target Card Service and quickly agreed to pay the initial purchase amount of about {$28.00}. However, I refused to pay the late fee and interest since Target Card Service incorrectly captured my address and failed to send me the card or statement balance. Target Card Service acknowledged that they incorrectly entered my address at the time the Target Card application was taken but they have taken a very hard stance on the late fees and interest, and have refused to remove them from the account, even though they acknowledge their error. Now they are attempting to collect the outstanding {$100.00} and have report it to my credit report resulting in my credit score dropping from XXXX to XXXX. I think it is grossly unfair for Target Card Services to acknowledge they captured the wrong address, sent my new Target Card to the wrong address and continued to send my Target Card statements to the wrong address and then attempt to collect {$100.00} in fee and interest. As soon as Target Card Services contacted me, I paid the initial purchase by phone to them.
|
| 12/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
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Web |
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XXXX of XXXX and ongoing until XX/XX/XXXX TD Bank paid over to a merchant in XXXX installment payments of {$740.00} each. I informed them that I had never used the merchant 's service and had requested a cancellation and refund. However, they chose to forward those payments to the merchant despite my stern objection, Because of their failure to properly secure my account from and made those payments to the uncooperative Merchant I am now suffering this loss and humiliation. Those transactions and the issuance of provisional credits that were reversed caused the account to enter overdraft status which they are now claiming I have to make payment on before they will allow me to open an account. It is due to their dereliction, duty of care and failure to properly protect the funds in my account that gave rise to the current situation. Today, XX/XX/XXXX, I attempted to open an account with the XXXX XXXX branch with their check and was informed of the derogatory state of my name and credit. I also attempted to cash said check, ( Check No. XXXX dated XX/XX/XXXX ) with the XXXX XXXX XXXX but was rebuffed. They refused to cash the check stating that since I do not have an account with their bank they can not cash their own cash. Instead, they offer to cash the check only if I pay them a check cashing fee of {$10.00}. I refuse to pay them this fee as they have discriminated against me in opening an account and this debacle came about due to their negligence. Why should I pay them a fee to cash their own check? Why should I pay them a fee for a problem that they could have resolved in XXXX and for the degrading of my credit capabilities by holding a charge off against me?
I would like to have : ( XXXX ) access to all my bank statements for the XXXX period. ( XXXX ) the reversal of the charge off from my credit report ( XXXX ) the reinstating of my account and ( XXXX ) the cease and desist of their discrimination against me.
|
| 02/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
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Web |
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I have a target XXXX credit card. I depend on their website to inform me when a payment is due and how much. On XX/XX/2023 I received a notification from XXXX XXXX that a payment had been reported 30 days late to my credit report by Target XXXX. I found this shocking as the last time I checked their website it said my next payment was due on XX/XX/2023. I immediately checked their website again and the information there still stated that the amount due was XXXX XXXX and was due on XX/XX/2023. Nowhere did it state that there was a late payment of any kind.
I then called their customer service line and they refused to talk with me until I paid the amount due. Which I did happily and would have done sooner had I any inclination that I was late. After I paid they allowed me to speak with a customer service rep and began a dispute regarding the adverse information reported to my credit report.
On XX/XX/XXXX I received a letter from Target dated XX/XX/XXXX stating that they investigated my concerns but would not remove the adverse information from my credit report. I then called the customer service line again and was hung up on. I then called again and the rep said my only recourse was to call the corporate office line and provided me with this phone number XXXX. This turned out not to be a corporate office line and actually just an information line about gift cards.
I called the original customer service line again and was told there is nothing they can do and that their supervisors are not allowed to communicate with me. They left me with only one option of again entering a dispute into the system that had already failed to fix the issue. I have since looked over my payment history and realized they have charged me late payment fees multiple times despite never informing me of a late payment.
I suspect this XXXX be an effort to intentionally mislead customers so they can make more money from late payment fees.
|
| 03/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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|
In accordance with the Fair Credit Reporting Act, TD BANK USA/TARGETCREDIT XXXX XXXX XXXX, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
15 USC 1681 Section 602 A : States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.
15 USC 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Inaccurate Account Because it is Unknown, Inaccurate, Unverified Due to Confirmed Fraud, and Due to Negligently Violated 15 USC 1681c-2, 15 USC 6802, 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( e ), 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681g ( 2 ) ( E ) , and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
|
| 11/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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My family was away on vacation and when we returned we notice XXXX $ worth of fraud on our checking account. We immediately contacted the bank and we had to file two separate claims, as some Of the transactions were still pending and we couldnt open a claim to dispute them until after they posted to our account. The first claim ( {$50000.00} ) was denied while the second claim ( {$7000.00} ) was still being investigated. We appealed the first claim and that got denied as well. All TD bank keeps telling us is that we performed the transactions. They refuse to talk to or investigate with the merchant. All they keep saying is the names match on the accounts. Someone hacked my XXXX account. Changed my Phone Number, to further access my account and perform transactions that are normally confirmed with a text pin. The card info is saved on XXXX. Someone used my Cards to send Money to someone using a similar name to our business name. It has nothing to do with me or my family although the names are similar. TD bank continues to say, the names match and XXXX said the person used the exact information. After talking to XXXX, they haven my old mailing address on file. So I asked TD bank how the card went through if XXXX had the wrong mail in address on file and they said that maybe the transaction was performed by my parents or my husband. This is {$57000.00} worth of fraudulent transactions. I have XXXX kids and no money left in my account. This has been going on with them back and forth since XX/XX/20. The fraud reps are extremely rude and accusatory. I thought I was going to have a bank help me in a time of need. Instead they accuse me of lying and performing these transactions. I faxed them paperwork and information to show it was not me who performed these and they refuse to listen. Now we have no money and both claims are denied. We tried speaking to a supervisor and that didnt help. They said theres nothing we can do!
|
| 01/15/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
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On XX/XX/2018, I was on vacation in XXXX XXXX XXXX XXXX, XXXX XXXX charged my debit/ credit card {$540.00}, I did not authorize the charge.The casino was supposed to give me the money in cash that they charged my card, but they did not. They didn't give me a dime. They also lied about how much they charged. I gave permission for them to charge {$500.00} in exchange for the money in cash, but they didn't give it to me. It wasn't till I checked my bank account on the mobile app that I saw they charged even more. I contacted my bank ( TD Bank ) immediately, minutes after the casino charged my card. I told the bank not to allow the transaction go through. They told me it was instant so I would need to file a dispute. I filed that on XX/XX/XXXX or XX/XX/XXXX. They then sent me paperwork to file a report with in depth details. I submitted that on XX/XX/XXXX. I assumed everything was taken care of because I hadn't heard back. However on XX/XX/2018, someone form the disputes department called me to tell me they needed even more proof, this time from the casino saying they did not give me my money. I have contacted the resort/ casino several times, but they have been no help and have stated they are not associated with the casino. However the name of the resort is on the receipt I was given, and they gave me vouchers to check out the casino when I checked into the resort. Since this incident happened I have read numerous reviews on the internet about the casino charging other peoples credit cards and not giving them the money. I have even spoken to a few of these other victims. The " casino '' is a complete scam. TD Bank said they need proof from the casino directly that they never gave me my money, but knowing that would be them admitting fraud they will not give me anything. As my bank I expect TD to protect me and my money. They have had me jumping through hoops for absolutely nothing and enabling this scam to continue.
|
| 07/13/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
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|
TD/TARGET ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you TD/TARGET or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : TD/TARGET or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
|
| 01/27/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
XX/XX/XXXX I called TD Auto finance to pay my monthly truck lease. When I called their number ( XXXX ) the telephone prompts sent me to another department which notified me through phone message that they were closed. My calls started at XXXX XXXX central standard time. Eventually, I pressed XXXX to get to a customer service operator. The agent informed me that I was 90 days past due. There was a draft issue with my account so payments did not draft in XXXX. The agent sent to a collections agent which advised me of my options. I made a one-time payment of {$1100.00} on Friday, XX/XX/XXXX. I also made and additional scheduled payment of {$370.00} to be drafted from my account on XX/XX/XXXX. The collections agent told me that the Repossession order was canceled on my vehicle. The entire collection of phone calls lasted until XXXX XXXX XX/XX/XXXX. The next morning my vehicle was repossessed. When I called the customer service department, they told me that nothing could be done until Monday ( XX/XX/XXXX ). They also could not inform me of where my vehicle was located in order for me to retrieve my personal items. My work items were located in the vehicle. Currently, I have not reported to my job in 3 days. Monday morning ( XX/XX/XXXX ) I started calling the collections department at XXXX XXXX and the a resolution was reached at XXXX XXXX that same day. The collections agent after putting me on a 20-minute hold stated that she confirmed with her supervisor and determined that my vehicle was wrongfully repossessed. She apologized and stated that a new worker made a mistake and did not cancel the repossession. She stated that my truck would be released and that I would not have to pay fees. When I tried to retrieve my vehicle the tower informed me that the yard closes at XXXX XXXX and that I owed a {$370.00} storage fee. I will miss the fourth day of work and I will have to pay {$370.00} dollars to retrieve my vehicle.
|
| 07/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have been a proud TD bank customer for more than 12 years. I also have a mortgage account with TD Bank. It was a total surprise to me when I received 2 letters from the TD Mortgage Department yesterday : 1 ) missing a XXXX payment and 2 ) a late notice. Initially, I was questioning myself on what was going on since I have taken pride in keeping all my accounts at good standings for all these years. I have never had a late payment issue and have always maintained good balances. It was a real shock to me ; I never thought I would miss a payment. Immediately, I pulled up my online recurring transaction records for my mortgage payment that I set up at the beginning of the year, which I had screenshot from the scheduled transfer transactions confirmation page. The recurring transfer transaction was for the period beginning on XX/XX/2018 and the set amount was {$3700.00} from my Checking account to the Loan Account for the first day of each month ( a total of 12 recurring transactions was set up under a confirmation ID provided by the TD banking system ). I monitored the recurring transactions for the first 3 months, and I put my trust in the Bank system to continue my remaining transactions for the rest of the year.
Unfortunately, in XXXX, I was preparing for a XXXX XXXX. I was so disappointed when I returned home from the hospital and saw that I had received the two letters from TD Bank regarding my missing XXXX mortgage payment. For all these years, I believed that TD Bank had the most secure and reliable banking system, which is why I have been banking with them for so long, but this incident failed me big time! I am writing to you today to inform my dissatisfaction for your banking system that hurt my good standing and my reputation as being a good customer. If you need more information and clarification from me, I am always here. I hope you can build a better, reliable system that will benefit the customers.
|
| 06/24/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
On XX/XX/2021, I opened a XXXX XXXX account at TD Bank. XXXX XXXX XXXX was the XXXX XXXX who assisted me, XXXX. Since the day that I opened the account, I've had some problems. For example, the day I opened the account, the ATM Card machine went down, so I had to swing by the Bank the next day, to pick up my XXXX XXXX XXXX. Then, someone either switched my ATM card or placed a few codes on it that prevented me from paying the XXXX XXXX. I had to call TD Bank Customer service to have the problem fixed. At times, there's a computer glitch when attempting to log into my online account.
Time went on, I began to see charges that were not supposed to be on my account. I escalated the problem to the Executives after being mistreated by the XXXX over the phone. The Executives credited my account {$18.00}. Later that week, I walked into a nearby branch and had my ATM card switched. Upon obtaining a new card, the bank employees were able to see that I'm the one who makes all the transactions that were being reflected on another person 's account. Time went on. Someone found out my account has nothing to do with the other account, so I guess they went back to square one.They did something to my card that prevented me from paying public transportation fares. I had to call the bank and email XXXX.
Now, as of this morning, XXXX, I got charged " Paper Statement Fee '' and Maintenance fee on a XXXX XXXX account, first time. After month XXXX. If I'm not mistaken, there's on a fee if the person does not make more than {$500.00} deposits XXXX something like that ). I've deposited over XXXX XXXX dollars ( monthly ). So, were these fees removed MANUALLY from my account the same way the XXXX XXXX fee of {$48.00} were deducted MANUALLY by a third party? If so, this needs to end. That's a crime! Nobody should be allowed to hack or view another person 's account and MANUALLY deduct money. This is why I'm sending this CFPB complaint.
|
| 10/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Card opened in XX/XX/XXXX. I haven't ever received a statement from them to this day, and didn't receive my card until Months later. Didn't have online access because I didn't receive a statement/billing/card info. They stated I have a late payment marked for XX/XX/XXXX. I am not receiving statements, no online access, no communication AT ALL. They removed multiple late fees due to this internal error previously so if they can admit it was an error qnd remove the fee, why won't they remove the remark to the credit bureaus. As soon as they called me stating I was being sent to collections for a late payment I had no idea of, I paid the balance. I have received NO communication from them for late payments, no statements, calls nothing so I didn't know when my payment was due or what my balance was. I have asked for this to be removed from my credit report multiple times due to an internal issue on their end and even filed with my credit bureaus and provided all information from my account with them as well as screenshots from the online system I finally got access to end of XXXX XXXX from a helpful representative that finally wanted to assist. Today I spoke with a manager and they said they will not do anything at this time and to " wait for the letter '' ( that I'll never receive ) from the last dispute for removal even though I can clearly prove I'm not getting mail and have no access to see what they wrote. This has been going on since the day they called me in XXXX stating I was late. This is the only late mark on my credit report as I don't pay bills late and always try to pay early but without statements and access to what I owe and when it's due, How can a company expect someone to pay them appropriately. In the screenshot you can see all payments to prior to XX/XX/XXXX were made by phone and are on different dates because I didn't know when my bill was due nor did I have online access to see statements.
|
| 02/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
My partner and I deposited a check into TD Bank - a branch in XXXX, XXXX XXXX ( we opened the account in XXXX XXXX, XXXX XXXX, XXXX NY during summer 2021 ) on Friday, XXXX XXXX. The bank teller said the check would clear on the upcoming Monday the XXXX. The check never cleared. We were able to use almost {$100.00} at a diner called XXXX after the deposit on Friday the XXXX. The funds were no longer made available to us after we used the money and we were supposed to have {$100.00} available. I contacted the bank teller after Monday and they told me that since it was the first check I deposited it will take more time to clear especially since XXXX XXXX was a holiday. I dont know about it being the first time because my partner said he may have deposited a check. We have both had direct deposits made into the account. In any case the bank has not allotted my partners funds to him. We have a joint account so we also have access to each others info. I also must note that logging into my TD account has been very difficult there have been times where I can not log in no matter what I do- same for my partner ( to the online portal ). I have had to set up voice recognition and had to go in person more than once to verify my identity. I have had to change my address on file more than once as well because they had an address we did not give them on file as it was an old address. It is now one week later and our funds have not been made available to us. We also deposited this check from my partners lawyer in the amount of over $ XXXX which is equivalent to perhaps a person who is a doctor or another position of that nature. My partner called TD today ( XXXX ) and they stated that the funds would be available at XXXX or XXXX. It is now XXXX am and no funds and we owe a vet bill. I made an appointment thinking that the funds would be available by now. I want to close this account down after we receive and use this money.
|
| 09/18/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I contacted TD Bank XX/XX/XXXX requesting an extension to my maturity XXXX. After having paid perfectly for 10 years, I was informed that they were not renewing land loans and could not extend my maturity date. They suggested I move the loan. I informed them this was not possible as other banks were not financing land loans and the property was worth XXXX % of the loan amount. TD Bank suggested that I file a " Request for Assistance '' ( RFA ) package. I obliged and completed the information. They approved a deed-in-lieu ( DIL ) after 6+ months and I requested that either they forgive the residual balance or we agree to terms for the repayment of the residual balance. They refused and the DIL was cancelled. They had me complete the RFA again for a loan extension/renewal. The loan modification was again denied after another 6 months. XX/XX/XXXX I first contacted the CFBP. I immediately received a response from TD Bank. I explained the situation and was told to complete a RFA again. For the 3rd time I completed the RFA. I then spoke directly to a representative and he again informed me they would not extend the loan as they are not extending land loans. I indicated that I understood and would except a DIL so long as the residual balance was forgiven. The representative asked if I was able to make a principal balance if the DIL was approved and balance forgiven. After consideration, I concluded that I could provide an additional principal payment to the bank of $ XXXX. The bank verbally agreed and committed to this action XX/XX/XXXX/XX/XX/XXXX. It is now XX/XX/XXXX and TD Bank is suggesting that they can not abide by this agreement. I have been contacting them repeatedly without success. They continue to indicate that multiple departments are involved. Please provide any assistance necessary as my note matured XX/XX/XXXX. I stopped making payments based upon the bank 's acceptance of the $ XXXX principal offer.
|
| 08/26/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
XX/XX/2016, my bank started a real time account record. Meaning that purchases and transfers etc would be done in the order they are made. No problem. Overdraft charges were not mentioned in this change. I had accidentally overdrawn a couple times after the new policy and within the hour of the overage happening I covered it and did n't get a fee. Between XX/XX/XXXX and the XX/XX/XXXX my brother was dating an employee of the bank. They broke up and they have a legal issue pending between them. Her friends at the bank make us both feel uncomfortable with dirty looks, but nothing more. I brought in some of the employees belongings to her at my brother 's request, I took them to her work because I do n't know where she lives. Just days after I overdrew by {$1.00} and some change, within 10 minutes I covered it. They charged me the overdraft fee, I paid even though I thought it was unfair. They then charged me a fee for transferring from my savings too many times using the app. Stating that had I physically was in the bank I would n't have gotten the charge. I had bills coming out of the account and had enough to cover them with a few dollars left, but that charge put me over yet again. I paid to cover it and received yet another overdraft fee. I called and they denied any unfair charges where none existed before. I told them the fee is to pay them for covering and compensating what I overdraw and ca n't cover, but that is for a 24hr period or more, not 10 minutes. They claim that all banks do this and I should do my research, I said you are the only one that does n't allow until the end of the day. As for the online transfer they claim it 's state policy to charge the account holder for transferring the account holders money between accounts, I find it fishy. I had no problems until I brought in the persons belongings. It was no time until my account was being attacked when I had never had any issues before.
|
| 05/29/2015 |
Yes |
|
|
|
Web |
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I applied for a balance transfer from my XXXX XXXX card to a TD Bank credit card for an amount in excess of {$4000.00}. This was done and approved on XXXX XXXX, 2015. The teller assured me it would take XXXX days for the money to be transferred. After that time passed, I contacted TD and they said I was misinformed- that it would take between XXXX weeks for the balance to transfer from XXXX to the TD credit card. After XXXX weeks passed, I contacted TD again, because XXXX told me I was going to be reported, which will affect my credit. At that point, I paid the minimum due, to XXXX, to avoid my credit being affected. After talking to many people on the phone, at TD, I was finally told that there was an error, on their part, and that they had to re submit the application. I asked if there was any way to speed up the process because of my current situation with XXXX and their mistake. They told me there was nothing for them to do and I would have to wait. I waited, and XXXX reported me to the credit bureau. Finally, the manager at the TD Bank branch, where I applied for the transfer, said she talked to the credit department at TD and the transfer would be expedited. It is now XXXX XXXX, 2015, and XXXX XXXX still does not have the money I owe them. I have called TD bank several times, with no answers to my questions and the only advice, to wait. My credit is dropping as we speak. XXXX actually said that TD bank should have deposited the money into my account, but when I approached them with this idea, they said they did n't have the authority to do that. I am now considering paying off XXXX from another bank account, which I did not want to touch, to avoid getting reported to the credit bureau again, which XXXX said would happen in a week. But I know TD will not be able to cancel the transfer and then XXXX would have to credit me money, once the transfer goes through. I do not know what to do at this point.
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| 02/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
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Web |
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I informed Target multiple times of my situation in XXXX and XXXX. I attempted to contact the lawyers for target, but they ignored me and never returned my phone calls. Instead, they filed a lawsuit against me to scare me with a process server from XXXX XXXX XXXX delivering the lawsuit to my door when I informed them I could not work. Was this a violation of public policy? I was forced to hire a lawyer and file a bankruptcy which I never wanted as I worked hard for XXXX years keeping my credit in good standing and always paying on time ; look at my history with the credit agencies they were setting me up. Please review my credit history.
In XXXX I was admitted to the hospital with an unknown serious medical illness. Following my hospitalization when I returned to my job at XXXX XXXX I was wrongfully terminated because of my leave of absence hospitalization with doctors still not sure what my medical condition was at that time. During that time I was very ill, and still, no diagnosis of why I was so sick with multiple hospitalizations in that time frame. After so many years of suffering finally, in XXXX I was hospitalized at XXXX and had numerous tests and exams performed that revealed and diagnosed me with XXXX XXXX. I received EDD XXXX money from XXXX until XX/XX/XXXX when it expired. After my XXXX expired, I had no income for food, clothing or shelter. EDD XXXX manager instructed me to file for Social Security as I had no idea something like this existed. My case was pending from XXXX until XX/XX/XXXX. While awaiting my social security, I notified all my creditors and communicated my medical situation and condition as I could not work. I am responsible as I always paid my car payments on time with XXXX XXXX, XXXX, and XXXXXXXX XXXX ( I paid off all my previous cars in full on time ), and school loans on time to XXXX University, XXXX XXXX XXXX XXXX XXXX University XXXX XXXX and XXXX University, etc.
|
| 07/13/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
XX/XX/XXXX, my son ( a XXXX XXXXt at XXXX ) made two purchases ( gas ) using the TD bank credit card I gave him. The bills are mailed to me at my home in XXXX XXXX, XXXX. I always pay them on time. However, I spend the time from XX/XX/XXXX to XX/XX/XXXX in XXXX. I fill out a change of address form with the US Postal Service and all my bills are forwarded to me. For reasons I can not fathom, TD Bank does not allow their bills to be forwarded. I got my bills from XXXX, etc but nothing from TD Bank. In XX/XX/XXXX or XX/XX/XXXX I got a call from a TD Bank rep who was a bill collector, telling me I was 90 days delinquent in paying my bill. I told her I had never gotten a bill, nor any notice that I was delinquent. She checked and said the bills had been returned to TD Bank as undeliverable. I told her that was impossible, my mail is forwarded to my XXXX address, and I had been receiving all my bills ( credit card, insurance, electric, etc. ) She said TD Bank does not allow their bills to be forwarded " to guard against fraud ''. I asked how much had been charged to the account in puchases, and she said {$71.00}, which I paid immediately. But she said I owed late payment fees and interest charges. I asked them to waive those fees, as the reason I was late was their refusal to allow the bill to be forwarded. They refuse. The late fees and penalties now exceed {$130.00} ( with interest the amount they claim I now owe is {$130.00}. I have called at least three times but they refuse to waive the penalties and interest. I am now getting threatening letters and phone calls ( they say they will report me to a credit bureau ). it is absurd for them to CAUSE me to be late by preventing my bill from being forwarded, and then seek to collect penalty fees that dwarf any interest charges. And I paid the purchases in full! Please help me. The bank is totally unresponsive and is demanding I pay them all these penalty fees.
|
| 10/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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This is the second time I am having to file a complaint against TD Bank NA and XXXX XXXX XXXX XXXX , XXXX in XXXX, OH for harassing us claiming to not have received proof of insurance on our home. We last needed to do this in XX/XX/XXXX. My wife and I have a 15 year mortgage with TD Bank since XXXX where we purchase our own property insurance independently to avoid the use of an escrow account. Beginning in XXXX, TD Bank and their mortgage servicing administrator, XXXX XXXX XXXX XXXX , XXXX,. have adopted a practice of harassment by " losing '' our submissions of proof of insurance threatening to force place insurance on our home. Every fall, we need to go through multiple instances of providing this proof of insurance only to have it be " lost '' multiple times. This has again occurred after proof of insurance was confirmed to be sent on XX/XX/XXXX @ XXXX and on XX/XX/XXXX @ XXXX after their previous request to have the proof of insurance sent to them. We have since received yet another letter from TD Bank, dated XX/XX/XXXX claiming to not have received proof of insurance and threatening to force place insurance on our home. Since this request has been met twice, I can see that we are again on a path of harassment despite promises to the contrary in XXXX following the last complaint.
The issue is TD Bank 's use of a mortgage servicing company that has a vested interest in selling insurance -- so much so that their corporate name contains " Insurance '' in it. This establishes a conflict of interest to not competently satisfy the administrative tasks of processing mortgage paperwork but instead to pretend to " lose '' the submitted proof of insurance from what is now a competing source of insurance. The apparent hope is to sufficiently harass homeowners to the point where purchasing insurance from outside of the insurance purchased through an escrow account is too onerous for the average homeowner.
|
| 11/14/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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I was contacted about a work from home job through email and when I replied they sent a text saying to get on XXXX XXXX for the interview. I went through the interview that lasted about 45 minutes with questions and then I got an email congratulating me on getting the job. After that they asked if I had a fax machine and other equipment and I had some but they wanted a specific laptop and data entry software and asked if I had worked with petty cash, but not until they had me fill out a W-4 and I9 and had a copy of my social security card and drivers license. They said they were the company XXXX. They then said they were going to send me a check to cover the supplies, when I asked where I would get the stuff they said they have a vendor that I just send the money to. They sent the check and I deposited it and told them I wouldnt do anything until their TD Bank check cleared. They said it would clear the next day even though I said it takes 2-3 business. The check cleared the next day and the money was in the account. I researched XXXX and saw that it was a huge corporation and totally legit and the check had their logo and address on it. I wired the money to a XXXX account with the name XXXX XXXX and the routing # XXXX acct # XXXX with a XXXX XXXX, Utah address which I have as well. That night my account was overdrawn and the people I was talking to said thats never happened before and their accounting department would fix it in the morning. They disappeared after that and I could not contact them. XXXX XXXX was the name I spoke with on Teams. I have all the emails from them and screenshots of the FBI report. The bank denied the claim because TD Bank took the money back and the wire was taken from the account and now my account is overdrawn and they took our money and they didnt overdraw the account of the perpetrator. I thought a had a job and not I dont have a job and our bank account is overdrawn.
|
| 08/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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On XX/XX/2022 my email and phone were hacked and my credit card was compromised. I promptly changed my contact email and phone number with the credit card account online.
No response was obtained from the company ( TD Card services ) till I received a letter 4 days later stating they had frozen the account for suspicious activity.
Several attempts from XX/XX/XXXX through XX/XX/XXXX with XXXX department of TD Card services resulted in the following responses from them : XXXX. Unable to verify your number, go to branch.
XXXX. When I indicate that there are no branches in my state or neighboring states, they responded to fax verification documents.
XXXX. Every customer service rep ( XXXX ) I spoke to over several days had differing information about acceptable ID.
XXXX. Even after sending ( and verifying receipt ) of the documents on XX/XX/XXXX, they did not respond ( despite stating XXXX hours business day response ).
XXXX. On XX/XX/XXXX, I reached out to TD Card services, and they stated they had received the documents but had not reviewed/escalated and stated they would right away and to call back.
XXXX. On XX/XX/XXXX, I called back and the rep first stated : I should go to a branch ( see # XXXX ), then I need to send documents ( see # XXXX ), and then " escalated '' to a manager, who apparently said they would review the documents and to call in XXXX business days again ( see # XXXX and # XXXX ) .Also, the rep declined to give me a case number and asked me to call back.
Note : every call to them results in hold times of : XXXX mins, XXXX min, XXXX hour XXXX min.
As a result, almost XXXX weeks into my compromised card, TD Card services has neither reviewed my case, or my documents, keeping on pushing out the resolution. I am unable to access my account, confirm if fraudulent charges exist or not, nor have replacement cards sent.
TD Card services has not done anything along the way either.
|
| 11/10/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
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Web |
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I had not thought of asking CFPB for help. However, I received the following email from a XXXX Banking agency : Dear XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the regulating authority for state-chartered institutions in the XXXX of XXXX. TD Bank is not a state-chartered institution, but rather a federally chartered institution, as a result, TD Bank falls outside the Division 's regulating authority. TD Bank is regulated on the federal level by the Consumer Financial Protection Bureau ( " CFPB '' ). The CFPB may be reached at XXXX or at the address listed below : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX www.consumerfinance.gov ( F ) ( XXXX ) XXXX The Division appreciates your correspondence and hopes that this matter can be resolved with the appropriate regulating authority.
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following is the email I had sent to them : Have Checking Account with TD Bank. Ordered checks from their required source XXXX XXXX on XX/XX/XXXX and received email confirmation from XXXX.
Unfortunately, they do not accept replies. Was unable to login to my TD Bank account. Could not even change my password. Wrote a letter to the Manager of the TD Bank on XXXX XXXX in XXXX, on XX/XX/XXXX ( attached ), where I had established the account. No response other than ignoring my letter.
XX/XX/XXXX ( attached ) wrote a letter to TD Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX, XXXX XXXX, with Ccs to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX. I did not expect a response from your office because I specified that I was not asking for help. I incorrectly presumed that one of the companies would help. Both TD and XXXX XXXX have ignored my correspondence.
I have not attempted to call because I have profound hearing loss.
Please help!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
|
| 01/24/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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On XX/XX/XXXX, I submitted a request to have a stop ALL placed on a payment from XXXX XXXX XXXX in the amount of {$150.00}. This payment was presented to my account on XX/XX/XXXX and was not credited back to the account until almost the end of the day on XX/XX/XXXX. Because of this unexpected delay, I incurred an overdraft fee due to a previous bill I had set up being sent through on XX/XX/XXXX. The overdraft was submitted to my account on XX/XX/XXXX. I submitted a request through the online messaging system to request to have the overdraft refunded due to the delay in TD bank returning this payment to me that was from the original stop all. The first person who responded was completely incompetent and took more than the 24hour notice I was told it would take to respond. They did not even acknowledge the right stop payment and referred to a payment from XXXX in the amount of {$300.00} from XX/XX/XXXX. Not even the right year. They said no stop payment was placed and immediately denied the refund for the overdraft. I immediately responded back correcting them of this and requesting to have this fee overturned. Again, I was told that this was not TD banks fault despite the delay. I then responded again and next representative tells me that the matter had been resolved over the phone. This is completely untrue. I spoke with a TD bank Representative by phone for a totally separate matter. Yes it was related to XXXX XXXX but it did not involve this overdraft fee. I responded back once again and was told that my account was not eligible for an overdraft fee refund. This is despite this being TD 's fault for significantly delaying when this payment would be credited back to me. Furthermore, I do not understand why if I am putting in a stop payment for something, why I am punished when that initial debit comes from the account. This makes no sense to me. I wish to be refunded the {$35.00} for this matter.
|
| 09/05/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
Older American |
|
I went to TD Bank at XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX on XX/XX/XXXX ( Sunday ) to establish a Rental Deposit A/C ( Landlord & Tenant A/C ). Tenant 's check in {$3300.00} was deposited same day and a deposit slip provided to me before I left ( copy of bank 's account opening form with all the details and my signature is attached for reference ) On XX/XX/XXXX, after I have evicted the tenant not paying rent for 6 months, I went to the same TD Bank to close the rental deposit account and want to withdraw the deposit to compensate my rental loss. I was told that the rental deposit account was closed in XX/XX/XXXX after no activities for 6 months since account opening and they were unable to retrieve any history of this account. I was asked to request for a statement of this account to be mailed to me and then talk to the Branch Manager with the statement. Nothing was received so I went to the bank again on XX/XX/XXXX and meet the Manager, she was also unable to find anything ans request me to wait for her call after she investigate the case with the Back Office, nothing happened, so I called the Manager on XX/XX/XXXX and XX/XX/XXXX to follow the case. The Manager said they are unable to do anything without the deposit slip which I was unable to locate in my files. I raised the question to the Manager that who authorized the closing of the account without my signature and are they able to locate any record of the deposit made on XX/XX/XXXX or XX/XX/XXXX and where the fund goes after the check was cleared.
The Manager was unable to give me an answer and keep asking me for the deposit slip and/or the check copy which I can not find.
As far as I know, this kind of Rental Deposit A/C can not be closed without my authorization, but no one in the bank can tell what happened.
I am requesting the Bureau to help that what I can do in order to get back the fund of {$3300.00} deposited by me to the bank.
|
| 01/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I would like to make a complaint against TD Bank. XXXX of XXXX I was in the overdraft of - {$4.00} and I could not make it to the bank month of XXXX I had COVID on XX/XX/XXXX and still had covid XXXX more weeks in XXXX. On XX/XX/XXXX I went on my web banking that day and it says I could make arrenments with TD Bank, my mother that day went to the bank in XXXX XXXX NY and deposit {$55.00} in my account and it was kept open.
Today XX/XX/XXXX I got my statement and it says that TD Bank closed my account on XX/XX/XXXX the day my mother deposited {$55.00} in my account and I login to my account today and the account has been closed. I called their recovery Dept and all they want me to do is enter the ext number of the person I am trying contact.
I am very upset that TD Bank did this to me why would they closed my account after my mother deposited {$55.00} in my account, did TD bank wanted me come into their branch while having COVID and spread it to other people? It is by law that if I have or had XXXX and could not make it into a branch or make payment they have to waive it. I could not call TD Bank month of XXXX I had wicked coughing attacks did they want me to cough in their ear over the phone? I was very sick that I oh most went to the ER.
This is not first time I ran into problems at TD Bank I gave my mom my debt card/ATM Card so she can put money into my account and she has been for XXXX years no problem depositing money into my account at the teller. XXXX day last fall the new bank XXXX in XXXX XXXX screamed at my mother for having my card and the bank XXXX screamed where everyone in the place could hear her and she threaten my mom she could go jail because its federal law. First all if I gave my mom permission to use the card it is not crime. When I talked to this bank XXXX over phone she was very rude to me.
Now I am running into another problem at TD Bank with my account being closed.
|
| 04/24/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I had opened an account with TD Bank ( account # XXXX ) as a way of teaching my XXXX XXXX XXXX daughter about banking. All of her chore money went into this account and, if she decided she wanted to make a purchase, I would either write a check or use the debit card. I thought it was important for her to learn the value of a banking relationship and the importance of safeguarding her funds by using a bank. Unfortunately, this experience has only taught her that banks are not to be trusted and that her money is better kept under the mattress than with a banking institution. Due to a medical issue, I am catching up on mail communication and I notice that TD has halved the balance in my daughter 's account due to a {$15.00} " Maintenance Fee '' along with a {$1.00} " Paper Statement Fee. '' Aside from never having received any disclosure regarding these fees at account opening, there is very little activity on this account. My daughter 's transaction are few ( she's XXXX and doesn't deposit or withdraw much ). In addition, all of my other accounts are managed online so, had I been advised of a paper statement fee, I would have gladly signed up for online access. It seems as if TD is looking to completely deplete all the funds my daughter worked so hard for with their fees. I suspect that, when this happens, they will continue to add fees until the account goes negative at which time they will likely send me a bill. Unacceptable. Customer service at the bank is horrible and only corroborates that said fees are " valid '' despite my not being made aware of them when the account was opened.
I am fully prepared to contact the local media. I'm sure the residents of the State of CT ( and perhaps, elsewhere ) would love to hear that TD Bank took every cent of a XXXX XXXX XXXX girl 's money. Money which she, by the way, worked for by helping neighbors shovel snow, rake leaves, etc. This is unconscionable.
|
| 04/14/2017 |
Yes |
|
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Web |
|
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My target credit Redcard was a few days past due so they turned it into their collection agency which is only open during certain hours and days. I live in Hawaii and I called at XXXX on XX/XX/XXXX. after being on hold for a while with Target customer service I finally got through to an agent because using the automated pay system was n't working after I tried three different times. I finally got a hold of a customer service agent and they told me I had to speak to a different department in collections. I was placed on hold and waited for another five minutes with hold music but no one came to the phone. Then I was disconnected. I called back again and waited again another XXXX minutes to speak to a customer service agent and I explained what happened. they said that the collections department had closed at XXXX Central time and they will not be open tomorrow because it 's a holiday - XXXX. I asked for a supevisor thinking that they could access my account but no change in attitude. She ( manager ) said they would be open again on Saturday and that I would have to call back during business hours on Saturday. I told them that I was ready to make the payment and could they please accept my over the phone payment or online payment and they said no because my account information was no accessible. I could not find anywhere in the Target Card Agreement where I was restricted on paying off a late invoice to Target unless through collections. I had been traveling in XXXX and overlooked that months payment so I usually have a good credit history. I felt this was unfair treatment for a consumer to deny receipt of payment! Consumers ought to have the right to pay online or by phone to pay their credit cards, especially if they are behind and do n't want to accrue additional fees or interest. Please address consumers rights on this matter so this does n't happen to others in a similar situation.
Thank You
|
| 05/01/2015 |
Yes |
|
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|
Web |
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I have received multiple calls from target red card services. I advised the rep if they would waive the late charge then I would pay off the full balance. The rep refused since I had been past due on my account. I discontinued call then on XXXX/XXXX/15 I spoke with a rep who refused to do the same. I said something off subject not offensive or rude or containing fowl language. He advised that we should conduct this phone call in a mature manner. I replied then hung up. i called back to ask for a manager and got XXXX employee id XXXX. She refused to allow me a manager XXXX in total. This is after advising her of my concern and request to waive late charges. She declined the request also. I advised at that time they no longer had permission to contact me on XXXX since it is a cell phone and they use an autodialer. She refused to remove the number based on the fact that satisfactory arrangements had not been made and my refusal to provide her with another number. I do n't have a non-cell phone number to provide her with since I ca n't have calls at work. My spouse is about to be laid off ... this is undue stress over XXXX dollars. She refused a supervisor stating that she was an account manager misrepresenting her position level. I advised the employee XXXX that is a title for a glorified CSR AND that I knew the law and fully intended to include all in a CFPB complaint. She advised that I would still get manual calls to my phone so I provided her with the number of XXXX since she continued to refuse to remove my number. I advised that it is a punishable fine or them to continue to call to which she continued to reply that no .. refusal to remove and so on. Please investigate this claim. This is ridiculous and these employees are misrepresenting themselves as managers and refusing manager or supervisor. In addition to refusal to remove my telephone number from their system which in fact a cell phone.
|
| 02/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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|
In or around XX/XX/2016 i opened a credit card with td bank i moved away from my home that same summer so i was still receiving mail to my old home however i made every payment by mail td claimed they never recieved it 6months later a representative called me and told me i had an outstanding balance and they never recieved a payment i told the rep although i am out of work i always made sure i sent my payments in so i made the payment right away with the representative through my checking account i asked the representative if these non payments were sent to the credit bureau Wich can damage my credit the rep stated she will have these late payments removed so it wont effect my credit because i made a payment upfront of XXXX $ and it was an honest mistake and miscommunication with td bank and myself however here i am almost 2years later now suffering of bad credit because of 6late payments that has been reported to the credit bureaus by td bank and they refused to remove it even though all my payments are current and i am working on Paying them off and there representative said they will be removed i tried everything i can possibly do in my Powerss to have them removed i disputed it with all credit bureaus XXXX XXXX XXXX you name it i hired XXXX XXXX i called td bank a million times they told me no error was fount requested a supervisor 3times and they told me i will recieve a call in 24 to 48 hours all 3times never recieved not one call i requested a goodwill adjustment they refused i dont want to take legal action they suspended the account Wich is fine i dont care about that they can keep the suspension on the account but i need the late payments removed something has to get done this is unfair if anyone takes a look at my credit report i have 5credit cards not one late payment besides td bank the worse bank by far anyone who just neglectfully not make payments should be punished in this way
|
| 05/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
My car was a total lost on XXXX XX/XX/XXXX. My insurance company ( XXXX ) paid for the total lost and my GAP insurance was going to cover the remainder. The GAP company needed some information from the dealer and TD Auto Finance in order to process the claim but the two companies were very non-compliant providing that information. I called TD Auto Finance several times every month and I specifically asked them if I needed to continue making monthly payments. They told me that I didn't need to make monthly payments because the vehicle was a total lost and the remaining amount was going to be covered by the GAP insurance and also that interest would not be accumulating anymore. I didn't get a written confirmation of this conversation but they never called me, mailed or emailed me any late statements or any notices telling me that I was late or that I needed to make payments.
After over 7 months of constantly contacting TD Auto Finance and requesting that they provided the info to the GAP company they finally did it and in XXXX of XXXX the GAP company issued them a check for the remainder amount.
I was very surprised when I got a noticed from XXXX telling me that my credit score had dropped dramatically. When I checked XXXX I noticed that TD Auto Finance had reported that my loan was " Paid was a Charge-Off ''. Also, in the section regarding my payment history XXXX was reporting that from the months of XX/XX/XXXX to XX/XX/XXXX there was no data available or reported to them. I submitted a dispute and the information remained the same plus in this case, TD Auto Finance reported that I was also late in payments from XX/XX/XXXX to XX/XX/XXXX. I challenged that information with XXXX and TD Auto Finance and submitted an additional dispute. They told me that they were going to look into it but is not going anywhere because the second dispute was completed and contained the same derogatory information.
|
| 12/28/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I logged into my TD Bank Credit Card account on XXXX to ensure auto pay was delivered electronically on a regular basis.
Upon opening, I saw attempts from XXXX & XXXX to take money from this locked card. Immediately, I called TD Fraud, I rechecked my alerts to find the phone number on file was changed to XXXX. THIS IS NOT my phone number, my correct number is XXXX as it has been for over 20 years. I was unable to send text alerts to my phone number as this number was there, refusing to change to my number.
Immediately I changed the PIN number online, as there was little else I could do.
I called an agent for TD and asked the number to be MY OWN, not the unknown number. She made the change, she texted a 5 digit auth. code. to XXXX. I received and we seemingly made the change.
In the second phone call on XXXX I logged onto TD again to turn on alerts and found the number changed back to XXXX leaving me unable to effectively use the precautionary measures to stop the fraudulent charges.
XXXX XXXX # XXXX could not answer how my phone number was changed without my notification nor consent as that is the security measure he explained is in place, how can I see a different number if I never verified a number change? XXXX had no answers for me, I requested to escalate to IT, request unmet.
I have been communicative with TD as this is not the first time I have been stolen from. Last time I was left with a bill that I did not charge, this complaint was filed with the consumer fraud protection bureau.
I called again. XX/XX/20 XXXX am est my phone number still isnt my own- how can i be alerted and WHY was my number not given the protocol of verification of change?! I never was prompted to by TD device protocol in ph # change.
My past complaint with TD follows the same pattern where I am responsible to pay fraudulent debt and cash advances.
Past complaint # was XXXX submitted on XX/XX/XXXX.
|
| 05/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Older American |
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I opened a TD Beyond Checking account with TD Bank , N.A . on XX/XX/XXXX, which promised a bonus of {$300.00} if I made cumulative direct deposits of {$2500.00} within 60 days of opening the account ( i.e. NLT XX/XX/XXXX. ) I made the required direct deposit ( from my federal pension ) on XX/XX/XXXX - fulfilling the requirement. Per the terms of the offer the {$300.00} bonus was to have been deposited in my account NLT 140 days after the opening of the account ( i.e. XX/XX/XXXX. ) This did not occur.
On XX/XX/XXXX I contacted TD Bank customer service ( via phone ) spoke to XXXX and enquired as to the delay. Over the course of ~ 45 minutes she put me on hold 5 or 6 times to confer with other staff, initially could not find or confirm the terms of the bonus agreement, ( eventually ) confirmed that I had met the terms of the offer but could not explain why I had not received the {$300.00} bonus. She indicated that she had forwarded the case to fulfillment staff, said I should see the bonus in my account by the following Tuesday ( XX/XX/XXXX ), and ( in lieu of my request for a confirmation number to identify my case ) she said that she would annotate my account with the details I had provided so I would not have to repeat them to another customer service representative.
When the {$300.00} bonus did not appear in my account on Tuesday ( XX/XX/XXXX ) I called TD Bank again and spoke to XXXX. She told me that my account had NOT been annotated as promised, and we spent another ~ 40 minutes as I explained the history of my account and XXXX put me repeatedly on hold as she consulted with other staff. Eventually she told me that my account would be reviewed over the next fulfillment cycle ( which she estimated as 3 - 4 weeks. ) I told her that this was unacceptable and that I would be filing a complaint with the CFPB and the Controller of the Currency about TD Banks failure to honor the Bonus Offer.
|
| 04/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American |
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I got a text from TD Card Services saying that someone made a purchase at XXXX using my TD Card. I immediately called and told them that I did not make the purchase. They said that it was too late as it was already approved. I couldn't get them to call XXXX and stop the transaction. They said that it was a job for law enforcement. They cancelled my card and removed the charge and issued a new card. Several weeks later I received a letter that stated that an investigation showed that there was no billing error and they added the charge onto my new card. I called TD Card Services and told them that it was not a billing error, but a fraudulent purchase. They said that I would have to take it up with XXXX and gave me a XXXX number to call. When I reached out to Apple they didn't understand why TD Card was charging me back the charge as they had it flagged as a fraudulent purchase and refunded the money to TD Card. XXXX told me that there were many of these fraudulent purchases in XXXX by the same individual. They would purchase an XXXX online, to be picked up at the XXXX XXXX, then change the pickup name to their name and go pick it up. That process takes some time, so had TD Card made a call as I asked them to it could have been stopped. The rep at XXXX instructed me to call back TD Card Services and give them their number XXXX and order number XXXX and they would tell them that it was a fraudulent charge and that the funds were returned to TD Card. I did that but they refused to remove the charge from my account. I have a police report XXXX filed with the XXXX Police and a detective assigned to the case. That information also didn't help me get the charge removed. They have the phone serial number. They could easily track it's location. I don't understand why TD Card refuses to remove the charge when they got their money back from XXXX. Are they really trying to profit from a fraudulent charge?
|
| 09/13/2023 |
Yes |
- Credit card
- Store credit card
|
- Trouble using your card
- Can't use card to make purchases
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|
Web |
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I received a letter on XX/XX/XXXX, stating my nordstrom credit card is closed at the end of XXXX. The letter states this is due to a low XXXX score. The score in the letter is not correct with XXXX. The Nordstrom credit card has been active since for XXXX yrs since XXXX in good standing and is not over the limit or behind on payments. The credit card company TD Bank issued a credit increase of {$2200.00} in XX/XX/XXXX without my request. I called the credit services phone number to ask why I wasnt notified of this information and to obtain information since I am also an employee of the company, Nordstrom, for which the card is for. I was told by at least 4 different individuals that the card was either closed or will be closed end of XX/XX/XXXX and they will not stop this process. They said I can reapply in a few months after Ive paid this card off, which is not behind on payments nor over the limit. No one at the company has heard of this tactic and this is not the credit terms adhered to or provided when I was issued the card. At no point in time did I receive a change in terms stating that my credit card which is in good standing could be closed without notice for any reason. The supervisor XXXX claims there is a XXXX threshold but states there is actually not a set number when I requested he provide this information to me as Ive been a cardholder for XXXX yrs and no such information has ever been disclosed in XXXX regarding this information. He claims they truly do not have set requirements to close the account and would not give me guidance on how to stop the closure of the card. They wanted me to just pay the card off. I have informed Nordstrom that I will no longer be working for them after they have closed my card which was under the limit and paid on time for XXXX yrs, which resulted in a {$2200.00} credit limit increase 9 months ago. This seems like a cash grab by my own employer.
|
| 08/14/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
In XXXX of XXXX I purchased a XXXX smartphone from XXXX ( directly form them online as opposed to going to a XXXX store ) and signed up for the XXXX payment plan ( XXXX fixed payments of {$54.00} XXXX. The phone was supposed to be paid off after the last payment in XX/XX/XXXX. Then I noticed ... a couple of months later that TD Bank ( the bank servicing the credit account for XXXX? ) keeps drawing $ XXXX XXXX XXXX/ month ( the amount varied ) when I called TD Bank in XXXX of XXXX to ask why they keep taking money from my account the person on the phone said something about some back fees and that I was actually paying for 24 months slightly less than what I was supposed to ( the payments were not up to my discretion - they were set with XXXX 's offer and I agreed to pay a fixed payment of $ XXXX month -- when you do the math those XXXX payments of {$54.00} were the cost of the phone ). As the amount was about {$200.00} and I was not interested in trying to dig out the papers from XXXX I offered the person on the phone to pay this amount at once and be done with it. She was firm that this can not be paid off over the phone and I will need to make an appointment at a branch of TD Bank to get this resolved. As I was not able to do that I decided to keep paying it off until today when I saw my annual credit report and saw that the {$200.00} balance is now at {$220.00} somehow even when I pay it off it increases ( BTW the payments of $ XXXX month were not authorized nor defined by me ). I called again and escalated the matter to a supervisor which after being threatened with me contacting the CFPB said that the account can be paid over the phone and can be closed over the phone. I think that there are more people like me that are being taken advantage of and I am interested in you investigating the matter and eventually refunding me the hundreds of dollars I was overcharged for.
XXXX XXXX XXXX
|
| 06/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
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I used TD bank to provide a mortgage ( 75 % ) on a coop in the upper east side of XXXX . At the end of XXXX , TD provided a rate lock-in at 4.125 % for 60 days. The process of getting a commitment letter from TD ( so that it could go to the board ) took forever, Each request for info was provided within 24 hrs, yet each time it went back to the underwriter, and another set of documents was requested. Even the appraisal process was drawn out. The appraisal was done on XX/XX/XXXX , yet the appraisal was not approved by TD for another 11 days. There is a term for this -- Moral hazard. The bank gains advantage in rate lock in fees if it delays the processing. It took TD almost 6 weeks from the initial rate lock in at the end of XXXX to the time they issued the approval letter that I needed for the coop. By the middle of XXXX , it was clear that signing would not occur by the end of the lock in period, so I emailed my mortgage broker at TD a request to extend the rate lock-in period at no cost, because of the extenuating circumstances. He replied that he would look into the matter, and sure enough a few days later the documents from TD showed an extension of one month ( end of XXXX ).
At closing, I was surprised to see a rate lock in charge of over {$2000.00}. This corresponded to 6 periods of 5 days, each at {$340.00}. The signing took place on XX/XX/XXXX , and TD did return half the amount. My position is that it was the result of slow processing by the bank that caused the need for a rate lock -in extension in the first place, and that if I ask for a no cost extension, and it is granted without specifying that indeed it would cost me, then this is not correct. Not saying " No, this will cost you '' and then providing the service is equivalent to consenting to my request.
An example of moral hazard in this context is available at ( XXXX XXXX ) : XXXX XXXX XXXX
|
| 05/31/2015 |
Yes |
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|
Web |
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XXXX XXXX, 2015Diamonds InternationalXXXXXXXX XXXX, XXXX XXXX Sir or Madam ; Please be advised I intend to continue my dispute for the transaction amount of {$17000.00} on Diamonds International account XXXX. I want to exercise in good faith my right to withhold further installment payments for the purchase of XXXX, which had been returned and received by D.I International office in New York on XXXX XXXX, 2015I do not owe your company additional installment payments totaling {$17000.00}. Again, The merchandise had been returned! Making further installment payments for a document that states " Store Credit Voucher '' totaling {$17.00} is beyond me. First, I have not received the voucher and second why am I buying it? ( literally ) I do not understand as to why D.I will not just credit my account since your credit card company is XXXX of the same as the merchant. I have sent certified letters and emails to your company requesting to do a charge back to no avail. Actually, D.I International credit card owes me a refund of {$380.00}. I have sent a payment of {$610.00} minus {$230.00} ( amount not in question ) leaving a positive balance of {$380.00}.
I have not lost hope for your company to understand my dispute. Hoping for a positive response.
NOTE : At the time of purchase, retailer failed to provide their return policy.
Retailer had no conspicuous display of their No Refund Policy outside or inside the store, failed to provide its No Refund Policy anywhere in front of the sales receipt, and retailer 's sales representatives failed to inform me of store 's No Refund Policy before and/or after signing sales agreement. It was only when I attempted to obtain a Return Merchandise Authorization was I informed of retailer 's no refund policy in fine print located at the back of sales receipt.
Cc : Consumer Protection Agency/ XXXX Consumer Financial Protection Bureau/ Federal Trade Commissions
|
| 11/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I have this complaint against TD Bank - Account Mor Furniture For Less, my Monthly payment are {$170.00} every XXXX. I had set up automatic payments through TD Banks Website at XXXX had another account on the same Website through XXXX. I received a call from TD Bank saying that I was late with my payment due to wrong Bank account number I had provided I told her if she was sure because I had another account through XXXX maybe she got mixed up. So I paid {$170.00} didn't say anything about late charges or nothing. I contacted my bank and ask if there was any attempt by any Bank making a transaction on my account, my Bank said none was attempted or it would of shown up. I set up automatic payments for the XXXX of every month through my bank. I got a call on XX/XX/XXXX saying I owe {$25.00} late fee for my account to be current I asked him if that was all he said pay the {$25.00} and your account is up to date I said ok. On XX/XX/XXXX I got a call saying I owe {$40.00} late fee, so I told her I had paid {$25.00} on the XXXX and that my account was up to date the Rep said if I had a dispute go to their Website and fill a Billing Dispute Form so I did. I talked to Supervisor XXXX and XXXX who played part of the phone call recorded on XX/XX/XXXX, on that recording we both heard TD Banks Rep say for me to pay {$25.00} and my account will be current Til this day I'm still been getting calls and letters about being late with my payments charge {$40.00} late fees. I tell XXXX Reps my Bank sends the payment every XXXX he said they don't process the payment till 4 day later I told him does the system show that payment on time he said yeah maybe that's why I'm being charge late fees so I changed it to the XXXX. I filed a complaint with XXXX in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Fax XXXX XXXXXXXX XXXX close the file nothing solve.
|
| 07/27/2016 |
Yes |
|
- Credit card protection / Debt protection
|
|
Web |
|
|
While reviewing my Target credit card ( Master Card ) account online on XXXX/XXXX/16 I 've noticed that fraudulent transactions. I called the Target Card Customer Service immediately. I was advised that my card must have been compromised and it was going to be blocked. A new card will be sent to me. In order to remove the fraudulent transactions I need to complete the Fraud Affidavit and send it back to Target Customer Service. A blank copy of which was sent to me via email shortly following the conversation. I was n't made aware that I was going to lose access to my online banking as well. While trying to complete the Affidavit later that day I 've realized that I need to further review my account history, and provide details about transactions. To my big surprise, access to my online banking was denied ( after first try of logging in ) and or blocked with a message saying that I need to contact the customer support. I called immediately. I was advised that since there was fraudulent activity reported on my account they had to block my access until I receive a new card. I do not receive paper statements, therefore the only way I can see the account history and transactions is to go online. Target requires the Affidavit to be completed with the information about transactions including dates, amounts and merchants ' names. It takes 10 days to receive a new card. I 've asked if my username can be restored, and was told by the representative that it 's impossible. I asked if the account history can be emailed to me or sent via regular mail, and that was n't possible for security reasons. They only thing the representative was able to do is to provide me verbally over the phone the details about transactions that I remembered could be fraudulent. Target would not allow me to review the account history to insure that I am listing all transactions that I need to dispute as not conducted by me.
|
| 06/05/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
TD Bank birching signed agreement from the first billing cycle and don't honoring promised discounts. I wasn't aware on actual prime rate published in XXXX XXXX XXXX on or before XX/XX/XXXX. XXXX I was believed that TD bank and their employees are honest and respectful to own costumers.
Unfortunately, it wasn't the case. After reading in major medias about prime rate changes and published rate on XXXX XXXX XXXX I find out that TD bank employees were lying and TD bank was over charging my equity line of credit account from day one for additional 0.25 % gaining substantial amount of money during the period from XX/XX/XXXX until now.
I challenged extra charge on my equity account with TD bank representatives, unfortunately there wasn't understanding and honest approach to correct extra charge on my account.
With this letter I'm enclosing you fallowing : 1. Copy of HOLOC agreement and disclosure statement.
Please read page # 2, clausal # 6, explaining 0.50 % discount from published prime rate in XXXX XXXX XXXX. According to XXXX XXXX XXXX published prime rate on XX/XX/2015 was 3.25 % Please see attached copy chart from XXXX XXXXXXXX XXXX prime rate changes.
Please Read clausal # 7 explaining Relationship discount of 0.25 %. Relationship was established on XX/XX/2015 by opening checking account and this account is active and in good standing.
According to the agreement my starting calculating rate on balances should be 3.25 minus discounts 0.75 equal 2.5 %. Unfortunately, TD was charging 2.75 % which is higher for 0.25 %. Looking further in every rate change my account is overcharged for 0.25 %.
2. Copies of TD bank statement : Please see attached statements showing each time when prime rate was changed and published.
Please compare publish rate and statements which showing discrepancy for 0.25 in every rate change.
3. Copy of XXXX XXXX XXXX chart for published prime rate change.
|
| 06/02/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
|
|
TD Bank NA failed to disclose the requirements to avoid a monthly maintenance fee for the Simple-Savings account at time of opening the account in XXXX XXXX 2016. The $ XXXX monthly fee had been waived for the duration of my account during the first 12 months because I made sure to maintain a linked checking account with a savings deposit of {$25.00} per month to the savings account. There was no minimum balance requirement, and at no time did this account exceed {$100.00} during this period and no fees where charged.
After the first 12 months, the bank began charging {$4.00}. The only mention of this change in the opening account agreement was that the avoidance requirements expire after 12 months. This text was printed in small type on page 20 of the 30 page personal account agreement document. The maintenance fee avoidance policy published the bank 's website today specifies a minimum balance of {$300.00}. This introduction of a minimum balance requirement was rolled out silently since I opened the account. Had I been notified in writing beforehand, I would have either deposited more funds to meet the new minimum or closed the account. Had the details of the first 12 month expiration been clearly explained, I would have complied or decided against opening an account under such terms.
I believe the {$8.00} withheld from my account over the last two statement cycles is unfair and constitutes bad faith dealings. The fee schedule was not clear when I opened this account. Opening the account without full and advanced knowledge of the future fee structure following the first 12 month period results in unexpected charges that are an unplanned for burden on the savings account holder. Multiplied by all the account holders in my situation, the bank has effectively increased its revenue and capitalization simply by changing its policies surreptitiously without full consumer consent.
|
| 08/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have these accounts that are not mine and i want htem to be removed.
XXXX 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
2. Identity Theft XXXX Account Number : XXXX This is not mine.
XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
9. Identity Theft XXXX Account Number : XXXX This is not mine.
10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
11. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
12. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
3. Identity Theft TD BANK N.A.
Account Number : XXXX This is not mine.
4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
8. Identity Theft XXXX Account Number : XXXX This is not mine.
9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
10. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
11. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
|
| 03/27/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
When I went to purchase the XXXX XXXX paying cash I was offered to finance the purchase. I had problems with the purchase. I did not receive all what was ordered. I was to return my current phone within 10 days to receive a {$300.00} discount. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The person failed to send it. It was to days late. I contacted XXXX Customer service, given ticket ref XXXX, XXXX XXXX XXXX XXXX. XXXX would contact me to resolve the issue.
To date I have not received a response from XXXX even after multiple of attempts, each time they sent a follow up over three months. I received mail from XXXX a finance company. I contacted and informed XXXX failed to live up to the agreement. I was waiting an answered to my request to resolve the issue. I requested contract be canceled as I intended to pay cash as I had done in my two previous purchases if XXXX phones. A representative XXXX on XX/XX/XXXX at XXXX who stated the account would be canceled at my request. She informed me that I would received a letter my account was canceled. I never received the letter. XXXX showed my credit closed. Only to have it appear again.
On or about XX/XX/XXXX I received my first XXXX statement stating I needed to make two payments. I contacted XXXX XX/XX/XXXX. I was informed the account would not be closed until I resolved my disagreement with XXXX. I explained I had been trying for weeks. I plan on paying cash once the dispute is handled. I am not paying for items I did not receive. There reply was then pay for what you received. I informed the agent my mother did not raise any genius, but she did not raise any dummies either. My concern is the agreement with you will be delinquent sixty days on the XX/XX/XXXX. I did not want the contract, I agreed to XXXX XXXX, not to another company. They refuse my request. They continually harass me weekly for a month even after I requested no contact.
|
| 06/18/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
I had a business agreement with a lawyer. I signed a fee agreement for {$2000.00} and gave them my debit card number and the agreement was to call them every Friday and authorize a {$200.00} payment. I did that every week until the entire fee was paid. A XXXX after our relationship ended, the lawyers office debited another {$400.00} and then sent me a text stating that they did this. This was an unauthorized transaction and I immediately stated this to the secretary. I asked her to reverse the debit charge and in turn she sent me another fee agreement and told me she would reverse the charge if I signed the new fee agreement for another {$3000.00} of which I did not owe. I asked her for a detail of the charges that she was telling me I still owed the attorney and she never provided me with anything. I sent the attorneys office a letter and again asked that they provide me with an accounting of the fees and return my {$400.00}, They never responded. I contacted TD bank and told them I wanted to dispute the unauthorized charge and they told me I had to wait until the debit posted to my account. I waited until it posted and called the bank back and they put the dispute in. TD bank never contacted me for any type of investigation and then I received a letter from TD bank stating that the charge wa valid. I again went into the TD bank branch and explained to them that this was an unauthorized charge and I wanted to dispute this charge because as far as I wwas concerned, the secretary at the attorneys office took my {$400.00} and would n't provide me with any accounting and this was an unauthorized charge and the bank told me we are sorry but there is nothing we can do for you. I explained that I am your customer and you are supposed to protect me and my money and you allowed this business to take my {$400.00} AND THEN WHEN I ASKED TO DISPUTE IT, YOU TELL ME THERE NOTHING YOU CAN DO FOR ME.
|
| 05/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am writing this complaint in response to Target letter dated XX/XX/2023. Which Ive included a copy of the letter, Consumer Financial Protection Bureau, case number XXXX.
I find it perplexing that Target would even consider honoring a refund request for a debt agreement that has already been executed. It is evident that the debt was paid in full according to the terms of the agreement. Therefore, it raises serious concerns as to why Target would allege to have entertained such a request without proper justification.
As a responsible consumer, I understand that the concept of a refund is typically associated with situations where a payment has been made in error or for goods and services that have not been provided.
However, in the case of a collections debt agreement, where the payment has been fulfilled and executed according to the agreed terms, it is unreasonable to expect a refund.
Moreover, the refund check remains uncashed. This is because Target already possesses the full amount of {$520.00}, as per the executed collections debt agreement.
I kindly request that your office conduct a thorough investigation into this matter and ensure that Target XXXX provides a detailed explanation for their decision to entertain a refund request on an executed debt agreement.
It is crucial for businesses like Target to maintain transparency, uphold the integrity of their operations, and provide satisfactory resolutions to their customers.
I appreciate your attention to this matter and request that you take appropriate action to address this complaint against Target XXXX. I have enclosed copies of relevant documentation.
Please feel free to contact me if you require any further information or clarification.
Thank you for your time and assistance in resolving this complaint. I look forward to a prompt and favorable resolution to this matter.
Respectfully submitted, XXXX XXXX
|
| 05/24/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
My saga begin XX/XX/2021 when I innocently open an online account.
The opening of the account was fairly easy - I receive an email notification, log into my account and as suggested I transfer funds into the account. About a week later I wire more funds into the account.
A couple of weeks later - when I am outside the US and I can't log into my account. I call TD, after being bounced around - they tell me I need to verify myself personally ( why have an online account you ask - good question ). I explain to them, that I am out of the US and am stuck because of the pandemic. They say no problem. Silly me I believe them.
Come XXXX I am still out of the US - ( but my physical mail is forwarded ) - I see my account is closed. Why - I don't know. No communication, no email. NOTHING.
Once again I call customer service and am bounced around. No one seems to know what to do. The folks mean well, but are useless. They said go down to a branch when you get back - they will help you. They also mention the mysterious demarketing department ( like area 51 ) - who I call - but no one ever answers or returns my phone call.
Fast forward to today XXXX XX/XX/2021 ). I am back in the US - I go down to a local branch ( XXXX XXXX XXXX XXXX NY ). I speak with XXXX. To say they are unhelpful is the understatement - they throw me back to the XXXX number. I press them and they give me a XXXX number to call the demarketing department - ( remember I did call them - they never called back ). I tell him they never returned my call. He says sorry!!
I sit in the back over 2 hrs on the phone w/customer service. I am tossed around like a sack of potatoes. No one can help. No one can return calls. Is this customer service in our day and age???
TD Bank basically stole about $ XXXX from me and I can't figure out how to get it back.
I have done some research and apparently this is a known problem.
Please help.
|
| 01/17/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX solicited me for entry into a payment plan to pay down the debt on my XXXX credit card. They unilaterally set a monthly payment date of the XXXX of the month. When I called them to make the first payment on XXXX XXXX, I explained to them that I would make the first payment that day but that I could not do so going forward. I explained that I would have to have my due date come in the latter half of the month. XXXX XXXX representative that day said that that was no problem and that I could make a payment that day, then call back after my payment was finalized in order to change my due date. I called back later that month and the representative then claimed that I could NOT change my due date and that I would have to pay on the XXXX, despite the first representative 's promise. I escalated this issue to a supervisor, who said he would listen to the XXXX XXXX call and help me if the original XXXX XXXX representative did say they would change my due date. This supervisor never called me back and/or never left a message. XXXX has now refused to listen to the XXXX XXXX call and live up to the representative 's promise to provide a changed due date. I have made my XXXX payment now mid-month because paying on the XXXX was simply not possible. But now XXXX has threatened to cancel the payment plan entirely because the XXXX payment will have been late and the XXXX payment will be as well. This is fraud on XXXX XXXX part, because I explained before I made the XXXX XXXX payment that I could not have the due date be the XXXX of every month. That is impossible due to my rent, which takes up most of one of my two paychecks every month. XXXX has now marked my credit report as 30 days past due EVEN THOUGH I made the XXXX payment timely and was not 30 days past due on the XXXX payment plan payment. XXXX is not honoring its own internal payment plans or the representations of its agents.
|
| 03/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
If on XX/XX/2023, an account review was conducted, and the decision was made to end the banking relationship. Then what happens to the check that I deposited for {$8300.00} on XX/XX/2023 if it is indeed unable to be verified by maker?
If On XX/XX/2023 a secondary review was completed the decision was upheld to still restrict my personal account, where is the check for {$8300.00}?
If the check still needs to be verified and you TD bank can not locate the maker as it does not show up as a registered business in the state of NY, why are you still holding on to the money? Return the money back to the check makers account from whence it came from TD said ULTIMATELY meaning : finally ; in the end.
If finally in the end TD can not locate the maker of the check as they have confirmed then why is TD still holding on to the {$8300.00}?
In the end, they are unable to find the maker. That sounds like a concluded investigation to me.
So they need to return the money back to the account from which it came from. Ultimately there is no investigation if ultimately you can not locate the maker.
TD needs to send the money back to the original XXXX account from which it came as they have all of the account information there is nothing stopping them. If TD truly suspects fraud, why would they want to hold on to fraudulent funds? I am fine with TD ending our banking relationship and I am fine with my account being closed, not restricted. I do not want an account in my name with restricted access. I am not fine with TD keeping funds that does not belong to them after they have clearly ultimately reached a decision. Please provide an answer as to when the funds will be returned to the original account from whence it came from. Please provide what steps has TD taken to locate the maker of the check? Please provide what information you have used to try and verify the maker of the check.
|
| 01/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
Origination of the loan was XX/XX/XXXX. After being in a bad car accident XX/XX/XXXX I fell behind on payments _2.5months worth ( and I explained my situation and submitted documents regarding my car accident ). My car was then repossessed the same day I received notice in the mail. The notice stated we had until XX/XX/XXXX to retrieve before the car goes up for auction. My car was retrieved XX/XX/XXXX from the impound lot and my payments have been up to date since. Fast forward to XX/XX/XXXX, attempted to register the car and the PA DMV states the title was transferred to VA address on XX/XX/XXXX. I was in possess of the vehicle when the switch to the title was made. I reached out to TD Auto Finance and was told by one of the reps that the switch was done in error and that my account stated do not process because I was in possession of the car. I then reached back out to PA DMV and they stated that this is done quite frequently ; and unfortunately the registration can not be renewed if the info is incorrect. Contacted TD Auto Finance several times but to no avail. I then submitted a complaint with XXXX and approx. 2months later the process started moving ( approx. XX/XX/XXXX ). I spoke to TD Auto Finance again in XX/XX/XXXX asking them how much longer would it take to correct the title info, because I have been paying a car note for a car I can not drive due to expired registration ( 3 months now ). I asked if I would get some form of credit or compensation because of this and was said no. Summarizing what was said to me, I was told because it was once re'poed there is really nothing they can do.
When the car was repossessed I paid over {$2800.00} in past balances, repo fees, processing fees, and reinstating fees. After paying all that money out I believed my car was my car again. To learn that the title was flipped after I retrieved the car and paid my due seems unfair.
|
| 02/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On XX/XX/XXXX at XXXX XXXX I placed an order through XXXX at XXXX for 2 2 for {$25.00} entrees and 2 desserts. The 2 for {$25.00} include 1 appetizers and 2 entrees each. The first 2 for {$25.00} was an appetizer of mozzarella sticks and 2 entrees ( one broccoli chicken Alfredo and the second was four cheese Mac and cheese with pepper honey chicken tenders ). The second 2 for {$25.00} was a mozzarella stick appetizer and two chicken tender entrees. The desserts were blue ribbon Brownie and cinnabon mini swirls. I received a text that the XXXX had delivered the food at XXXXXXXX XXXX with a picture of one bag. Image is also attached of message. Upon opening the bag we had only received one entree which was the broccoli chicken Alfredo. I then called the XXXX in which I asked if there was by chance any other bags but XXXX was extremely unhelpful and would not communicate regard the delivery. I then contacted the XXXX help chat in which they credited my XXXX account {$22.00}. I then contacted them help chat again noting that I only received one entree and was missing 3 entree, 2 appetizers and 2 desserts. They informed they that would send it up for investigation but I did not receive a response in the 2 hour time frame they informed me off. The next day I contacted the XXXX customer service line and spoke to an agent. The agent told me basically the same thing as the help chat that he would escalate the matter for investigation and that I would again have a response in 2 hours. I waited almost three and had no email, which was the form of contact he stated they would be using. I waited for the charge to be posted to my checking account and then call to bank to dispute the charge. They credited my account for {$100.00}. Today XX/XX/2023 I received the paper from my back which stated there was no error of the charge and that the would be reversing the credit as of XX/XX/2023.
|
| 11/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Today, XX/XX/2020 at XXXX PST I purchased one item at Target.
When I got to the register, the cashier asked me if I had a rewards card with them and I said I think so, but I didn't find it in my purse. She asked if I wanted a new one and if so I can get a 5 % discount on my purchase today so I said ok. She took me over to the customer service and asked for my Driver 's license so I gave it to her. I asked would she have to run my credit for any reason and she said no, absolutely not! After the " application was complete she told me that I have a {$40.00} gift card I can use right now or later. I don't shop there much so I said I'll use it now!
Then she handed me the receipt and told me to use this when I shop until my card comes in the mail! The receipt says I had a line of credit for {$500.00}! I was livid!
I reminded her that she said she did not run my credit! She apologized and said she didn't know my credit would be ran! I explained that I did not want any credit at this time!
I went home and called their customer service number immediately, in fact it was literally 49minutes after the purchase occurred! I spoke to XXXX in credit services and he said he can clos the credit account since it was done in error, but to reverse the hard inquiry could take up to 60 days! I asked to speak to his supervisor. Ms. XXXX said she can't do anything about that. I explained that I used to be in mortgage lending and we did " rapid rescores '' with credit bureaus all the time! I pleaded with her to call XXXX, with whom they ran my credit, especially since this a same day transaction that occurred literally an hour ago!
She also said she could only give me corporate 's address, no means to contact them by phone our email! I am in the process of selling my home and i need to use financing to make large purchases right now! I can not wait 60 days for my FICO to return to it's glory!
|
| 04/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
I opened a TD Bank Credit Card account in2018 to build my credit, and attempted to pay balances off as they accrued. I made a payment of {$130.00} on XX/XX/2018, using my TD Bank account. The payment was posted.
Just ten days later, I paid the new balance of {$230.00} in full, and the payment was posted. Twelve days later I made another payment of {$100.00}, which again was accepted.
Unknown to me the first two payments were reversed at some point in time after they had been accepted! First, I have no idea why they were reversed because there were adequate funds in the account to cover the payments, and second, I can not understand why I was never notified that they had been reversed. Third, I do not understand what being reversed even means - I have never heard of it. The payments were made on the bank that issued the card, and they were accepted, meaning the money was there. Then they were reversed? Why? Why was I not notified?
Had I known the payments had been reversed, I would have corrected whatever the reason was immediately and made the payments on time.
I didn't realize the payments had not been made until my account was overdue, and TD took action against me. They lowered my limit, and reported that I had two overdue payments due to insufficient funds! THAT IS NOT TRUE! There were funds in the account, and I was never charged an NSF fee.
I have repeatedly asked TD for an explanation, but after two letters and an E-Mail contact, I have not received one! They seem to be ignoring me.
My position is that TD Bank made a mistake, and that I did made the payments in a timely manner, now the bank is punishing me for their mistake!
As I said at the beginning of this letter, I opened the account to build my credit, and made every effort to keep my payments current, so this really hurts me.
Their refusal to provide any explanation or to make it right is unacceptable!
|
| 08/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
I'm trying to get a state to state transfer of my vehicles title from TD Auto Finance. I purchased the car on XX/XX/2020 I was told that the process takes about 30 days. I followed up with emails and phone calls on XX/XX/XXXX, XXXX, XXXX. I was told that TD bank hasn't received the title yet from Arizona. I was later told that they had received it and they would fax it as well as mail a copy of it to me. I never received the fax, but I did get a Title and Registration Application in the mail. My title agent said she needs a certified copy of the title, not the registration application. She even spoke with them directly. My agent and I spoke with XXXX XXXX a TD bank customer service supervisor on XX/XX/2020. She assured us that she would mail a certified copy of the original title that day to my title company and to expect a 5-6 day delivery time. It never arrived. XX/XX/2020 I spoke with the finance department at XXXX XXXX, ( dealership where I purchased the vehicle ) to see if they could help me, they said they would contact TD bank the next day. I followed up with TD Auto Finance customer service on XX/XX/2020 and spoke with XXXX XXXX and he advised me that they still don't have a copy of the title and nothing was sent on XX/XX/XXXX. I called back today, XX/XX/XXXX, and was told that TD Auto just received the title this morning and will have it sent out in a couple of days and expect a 5-6 day delivery time once it is sent. I have my doubts that this will happen, but I remain hopeful. Meanwhile, my temporary tags have been expired for a couple of weeks and I can no longer drive my car legally because I can't register my car in Florida without a copy of the title. I have been more than patient and accomidating but I can't seem to get a straight answer from them. This really shouldn't be this difficult. I'm hoping this complaint will motivate them to resolve this issue.
|
| 07/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
My name is XXXX XXXX. My business name is XXXX XXXX XXXX XXXX I had this problem with TDs manager before 4 weeks and now with TD Bank. This is what happened. I have two business accounts under one business name. One had money {$4000.00} and the second one was negative. I wanted to withdraw {$3500.00}, but the manager refused to give me the money unless I cover the negative account. So as u know every day Money goes inside the account because its business account. And I have 60 days to get over the negative account. Plus they all ready took overdraft fee.So how comes she refuses, its two accounts, I had no suspicious, suspension at my accounts or any block. So how comes she refuses. I had to pay the order came to me same day. She made me day very bad. In the beginning she ask about my name, I told her my name is XXXX, I dont know Id she is races or she thought had powered to stop my withdrawal. I was angry and screamed in the bank, one of the customer fought with me by talking and told me go to my country. The manager told me that here is my name go make a complain do what u want. I called TD bank to make a complain then I talked to the supervisor, then he told me hell send the complain to go forward. In two weeks no body responded to me. I called back, then the representative told me the supervisor forgot to send the complain and he put the complain in draft. I said ok no problem. Then she told me, they will give it to higher position, his name XXXX XXXX. So she said he will call me in same day. But he didnt, I called him second day and left a message to him and he no contact me. Then I wait two more weeks and no body care about my complain and how I feel as a customer for 7 years in TD with two business I have with them. I want make complain at the bank and their manager. The branch at XXXX XXXX and XXXX XXXX my. The manager name is XXXX XXXX. I hope u hear my voice.
|
| 05/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I left the USA on XX/XX/XXXX after I accepted an international assignment with my company.
Before leaving I settled all my credit cards and debts. I had a credit card with TD Bank and I paid in full its balance.
A year later, on XXXX XXXX, TD charged me an annual {$49.00} management fee for the credit card I believed was closed and settled.
I was not monitoring this as I assumed I was in good standing with my debtors, so I didn't see nor pay it.
I returned to the USA in XXXX of XXXX and I found in my credit report this outstanding amount affecting my credit score. I disputed it via XXXX the week of XX/XX/XXXX. As a result TD bank updated my report and it now shows the balance as Charged Off since XXXX all the way to today. This lowered my credit score from over 700 to XXXX.
I have called several TD customer services 1800 numbers and spent several hours on long waits. The TD employees I have spoken to do not know how to settle this and keep sending me to call other 1800 number lines/departments with no one assuming the solution. The TD associates argue that the fee is so old, that they can not see it in their system anymore. I even offered to pay the {$49.00} ( even though I disagree with it ) in an attempt to close the matter and improve my credit score. The TD customer services representatives again argue that the fee is so old that they can not settle it in their system, I disputed the account once more with XXXX and TD came back with the same vague answer, updating the credit submission as Charged Off.
On XX/XX/XXXX I sent a letter to : Dispute Resolution department Re : TD Bank Credit Card.
XXXX XXXX XXXX XXXX, GA XXXX And I have not heard back from them.
I believe this matter is unfair, a result of an internal mistake from TD Bank, and is directly affecting my credit score.
Could you please help me to solve and clean my credit score?
Thank you
|
| 02/09/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American, Servicemember |
|
I paid off a no interest promotional account with XXXX XXXX/TD Bank account with XXXX XXXX on XX/XX/XXXX. I had to cancel the automatic payment I had set up in order to pay this account off. It would not let me schedule a payment without canceling this. I received a notice that my account was due on XX/XX/XXXX through email notification that I had set up. I checked my account and it showed a XXXX balance. On XX/XX/XXXX they added a deferred interest charge that I was unaware of of around XXXX. When I received a phone call in XX/XX/XXXX I was told that the account had to be paid off by XX/XX/XXXX I believe in order to have not accrued any interest. On XX/XX/XXXX I paid XXXX to pay this account off again. They were refunding a XXXX late fee. In actuality they did refund this and reapplied it to the account the same day without my knowledge plus 1.35 in interest. XX/XX/XXXX they charged a late fee of XXXX plus 1.00 interest, XX/XX/XXXX XXXX late fee plus 1.00 interest and XX/XX/XXXX XXXX late fee which brought my balance back up to XXXX. I spoke with a representative once again, who advised that this was due to the initial late fee being applied back to my account on the same day it was removed and she would take care of this. Two weeks later I received a message again about my past due account. I called back and spoke with an extremely rude representative and once again I paid an outstanding balance of XXXX. Now 8 months later they have reduced the credit limit from XXXX dollars to XXXX and attached a negative notice on our credit report. I will never again use their service but I am requesting that this be removed from our credit report. I had this set up on automatic payments so as to never be late, had to cancel this in order to pay the account off, and then had to actually pay it off on three separate occasions due to what I feel is deceptive policies and procedures.
|
| 08/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/2023, I saw multiple authorizations for purchases on my credit card in the online app. The amounts were XXXX dollars but it was odd to see multiple authorizations for companies I did not recognize. I called the bank to tell them this. I told the representative that I did not make the authorizations. They only offered to send me a new card. A few days later new charges were on my statement totalling over {$3000.00}. I got a fraud alert text and opted to restrict my card but it was still used to make purchases. I called the bank again. They locked my credit card and told me I had to go to a branch to verify my identity which I did the next day. They did not offer to dispute the charges.
At the branch, I sat down with a representative to open a dispute. The representative at the branch called TD to have the charges canceled. The card was used to purchase high-end clothing, make cash withdrawals at an ATM, and was used at a nearby gas station. Some of them could not be canceled. These charges totaled to {$810.00}. I explained that the card was always in my possession, except for once when I handed it to a cashier while paying for food in XXXX drive-thru.
My dispute over the charges has been denied twice for the same reason. The bank letter says that because the card was in my possession and the chip was used, no fraud occurred. However, the representative at the TD branch told me they are wrong as the card could be copied and used. She said that the reasons TD is giving me for denying the case are false and unjustified. We are currently trying to dispute the claim again with a police report. I attempted to do so last week at the XXXX precinct but was told the detective was not there. I had to call multiple times over multiple days to be able to speak to the detective. The detective told me I have to make an appointment, which wont take place for another week.
|
| 01/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
|
I paid my TD Bank XXXX card from my XXXX XXXX Checking account via an electronic check on XX/XX/20 BILL PAY TD BANK NA ON-LINE for {$790.00}. The amount was deducted from my checking account that day. Two weeks later I received a past due notice and contacted TD Bank by phone. They indicated they never received it. I contacted XXXX XXXX said it was accepted by TD Bank. It was determined after three weeks of phone calls that the credit card number reference number to pay the account did not match my credit card number. So XXXX XXXX on a three-way conference call with TD Bank and myself gave TD Bank the information to locate the payment. After that I received a letter from TD Bank asking for a copy of the check. I called them again and told them it was an electronic check from a bank. Unbelievable ... Since then I have been on 9 more calls to TD Bank and XXXX XXXX plus two more three-way calls where XXXX XXXX provided the payment information to TD Bank by FAX while we were on the call. Today I was contacted by a credit collector from TD Bank for non-payment after I explained my story AGAIN the TD representative asked if I could hold. I said yes and after waiting about 20 minutes I was disconnected and no one bothered to call me back. The rep said her name was XXXX or XXXX XXXX. I am a new TD Bank customer and they have been a nightmare to deal with and every time I call and have to recant my story then they tell me they never received the information from XXXX XXXX. What incompetence. The {$790.00} was deducted from my account on XX/XX/20 for a bill due on XX/XX/20 and I am still being harassed by TD Bank for payment they received four months ago. They actually owe me money back as I over-payed. I can't deal with this anymore. Please contact my son XXXX XXXX. He has durable power of attorney over my finances and he will be handling this matter moving forward. Thank you.
|
| 01/06/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My wife and I opened a fixed rate Home Equity Loan about 5 years ago. When we opened the account, the two most important terms were clearly confirmed for us, which were ( 1 ) there would be no pre-payment penalty, and ( 2 ) all overpayment provisions would go towards the principal. We have made several overpayments on this loan since it was opened in varying amounts. In XXXX 2016, we made large overpayments. We then received a letter saying, " We want to make sure your money is going where you want it ... '' Later saying, " Right now we are applying your extra dollars to the next scheduled payment. According to our records, you have made loan payments in excess of the required payment amount. Each time you include additional funds in your loan payment, it is our policy to apply the over the payment amount due to the next scheduled payment. This often results in the status of your loan to be considered 'paid ahead '. Please know that we have reversed the payment dated XXXX/XXXX/16 in the amount of {$1000.00} and reapplied it to principal, making the next due XXXX/XXXX/16. If this is not what you intended, please contact us '' I called them and told them the following : First of all, we ALWAYS intended for the additional funds to be applied to the principal and this was clear when we opened the loan. Second, why are we getting a letter telling us what your policy is and then you are changing the policy without any request from us?
I made this call three times over about a 2 month period. In each of the calls, I spent approximately a half hour on hold and the customer service person could not answer my questions. Each time, I requested that they figure it out and have someone call me back to explain. They have never called me back.
I have reviewed some of my recent statements and they make absolutely no sense in how they have applied payments to interest and principal.
|
| 11/26/2023 |
Yes |
- Credit card
- Store credit card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
|
|
I went in to XXXX XXXX on XX/XX/2023 where I was greeted by a female sales representative. I walked around while she basically harassed and followed me through the store. I then decided to engage and ask questions about a specific couch and XXXX accent chairs. I decided to buy them and she went over the financing options. Told me I had to sign a piece of paper to see if I qualified for XXXX XXXX as I repeatedly said I did NOT want a credit card. She told me I had been approved for the non credit option and I left the store. Told me if I paid before delivery of furniture then the XXXX XXXX option would not show up on my card. I paid the furniture in full XX/XX/2023. Today, XX/XX/2023 I went to XXXX XXXX, greeted by a male sales representative I was looking at couches. Decided on XXXX and same thing. I made it clear I did not want a credit card. He insisted it was not a credit card or charge card. Said it was an account to hold the furniture. After asking more questions he admitted he had opened a credit card. I was immediately upset that he had lied and told me not to worry about it. That the card would close in XXXX yrs if I did not use it. I was so mad I told him I didnt care about that, I said that they shouldnt lie to consumers and saying they are doing one thing and then open a credit card after I was very clear I did not want one. I then checked my credit report and noticed the first card opened on XX/XX/2023 and I realized they are harassing customers and opening credit cards under false information. The same thing XXXX XXXX got in trouble for. This is Fraud. And this card was opened by fraudulent sales representative of XXXX XXXX and XXXX XXXX in XXXX XXXX Indiana. Both cards have a limit of XXXX. They are targeting minorities to commit these fraudulent acts due to the lack of credit literacy as well as marketing these credit cards as XXXX XXXX XXXX programs.
|
| 07/05/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
XX/XX/XXXX @ XXXX XXXX, I made a deposit of {$1000.00} ( XXXX- {$20.00} ) at the inside ATM located at XXXX XXXX XXXX , XXXX XXXX , NJ - the transaction never completed correctly and I have the statement record # XXXX which clearly states this was a forced deposit record of {$100.00} instead of the {$1000.00} which I was trying to deposit and the machine did not return the {$900.00} back that it didn't deposit. I immediately called their XXXX XXXX XXXX XXXX and held on for an hour and then got disconnected, called again about XXXX XXXX - same result. XX/XX/XXXX - I called again on XX/XX/XXXX and filed a complaint I was told I would receive a provisional credit in 1-2 days while TD investigated, I checked my account again on XX/XX/XXXX and to my dismay the credit was not there so I called the above number again to be told the credit takes 7-10 days to show up and again - that never happened. I called the branch on XX/XX/XXXX and spoke to XXXX who told me " they didn't have any record of a problem with their inside ATM on XX/XX/XXXX and I would have to file a complaint '' which had already been done. The reason for my call directly to the bank on XX/XX/XXXX, because I felt I could get this matter resolved since this is where I opened all of my accounts years ago. I am greatly disappointed in how TD has handled this account without reaching out to me to find out what happened or show any concern for my additional {$900.00} getting credited to my account. I thought when whomever checked that ATM that evening or the following morning they would have seen there was an issue and would have attempted to resolve my issue but instead on XX/XX/XXXX, I received a letter from TD stating my claim was denied for the refund of {$900.00}. Note : I have also learned that TD does not give provisional credits for their ATM 's ( so it seems, I was getting the run around from the start ).
|
| 11/21/2016 |
Yes |
|
|
|
Web |
|
|
( This is what I sent to Target on XX/XX/2016 ) To Whom It May Concern : I am writing to correct a negative " Charge Off '' account listed on my recent credit report. My wife and I have worked very hard to keep our excellent credit history and just discovered a delinquency in a Target RedCard account. The timing could not be worse as we are trying for a home mortgage and this small account has devastated our normal 800+ credit score and will ultimately cost us many thousands in increased credit costs. It is our only negative account.
I just spoke with XXXX at your customer service center and, in good faith, paid off the account in full even though it was already charged off 11 days prior. XXXX and I discovered that an incorrect address was inputted by the Target employee where we applied for the store card and all account mailings were returned to Target as undeliverable. The target employee never asked me if the address was correct and never took my email address when I applied for the card. My correct cell phone was on the account but was never called. I never received a single correspondence or phone call regarding this store card.
I demand that this charge off/paid in full account be deleted from my credit report. I accept full responsibility for not contacting Target as to why we were n't receiving an account statement but Target never even bothered to call my cell phone to say there was a problem with the account. I am also contacting the credit bureaus to try and remedy this. Please note my Massachusetts driver 's license and the incorrect mailing address that was used to process my XXXX application. Thank you.
( The amount we placed on the card was around {$170.00}. I worked with the Massachusetts AG office for weeks but Target refused to removed the charge off from my credit report. Would you please help me restore my otherwise perfect credit history? )
|
| 07/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
On XX/XX/2021, we received a phone call from a XXXXXXXX XXXX XXXXXXXX employee. At the time I was at quarantined at home with XXXX children on " XXXX '' school. After a pressured conversation and threats to cut the power to our home in which he brought a number of proofs to validate himself, we paid him in 2 transactions totaling an amount of {$2200.00} for an account that we believed was in arrears. Immediately, after hanging up the call, we realized that the call was fraudulent. Running over to TD Bank in a panic, we tried to stop the transactions. Both of them said " pending '' and we were told that there was a chance to stop the payment. We began a series of desperate phone calls to bank managers, supervisors and higher ups in the hopes of somehow recouping the money. The calls were either not answered, or were not returned. We essentially, were " blown off ''. For us, the amount of this transaction is significant and the absolute disregard and lack of attention from the bank was appalling to us. We have been banking with TD Bank for 10 years and have 9 accounts with them. When we finally reached a vice chairman, after an initial very rude exchange in which he implied that we were a bother, we were told that there was nothing they could do for us as the payment went through immediately. This is very strange to us as the bank records show the 2 payments posting on 2 different days, yet they were made minutes apart. As such, we believe that had we received the appropriate attention, we could have stopped them from going through. It has been a large case of neglect, negligence and general disrespect towards us the customer. We are still seeking recompense for this maleficence and are strongly considering closing our accounts and going elsewhere. In the meanwhile, maybe if this complaint is seriously recognized we might get the deserved attention and compensation.
|
| 03/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Servicemember |
|
My COVID-19 emergency relief check in the amount of {$1400.00} was credited to my bank account on XX/XX/2021. The XXXX sent a tax lien for {$620.00} to the bank on XX/XX/2021. On XX/XX/2021, the bank deducted {$380.00} from the COVID-19 funds to send to the XXXX XXXX XXXX.
On Saturday, XX/XX/2021, I got a letter from the tax department [ Notice of Tax Lien ] indicating they had issued the lien to my bank. On the letter sent by the tax department it states the following in bold letters. " Certain funds are exempt from lie, to include COVID-19 funds. '' I contacted my bank and told them that they needed to refund the amount deducted minus the amount that was in the account before the {$1400.00} was credited. After a back and forth to XXXX, XXXX and XXXX, the bank said that this is the third disbursement of COVID funds, and there was no language in the legislation exempting these funds.
My position is COVID relief funds from the federal government is just that : COVID-19 reflief funds. The tax department on its Notice of Tax Liend and Demand for Payment specifically recognized that the government was sending out COVID-19 relief funds and exempted those funds from the being deducted to satisfy the lien. So, the issue is not with the tax department ; the issue is with TD Bank, XXXX. XXXX XXXX, XXXX XXXX, New Jersey XXXX.
I know that the President and the Congress said with regards to the nature, substance, and characterization of the {$1400.00} checks to Americans. If we want to be really technical, if the bank 's position is that the legislation did not exempt those funds, my position is that there also is not language to authorize application of these funds to satisfy the tax lien in the face of the Lien holder 's specific language to EXEMPT COVID-19 RELIEF FUNDS from being used pursuant to the issuance of the Notice of Lien.
TD bank needs to refund my money.
|
| 12/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX in XX/XX/XXXX. I added a XXXX $ gap insurance policy from XXXX with 72 month financing with TD Bank. When I tried to get a refund for the policy XXXX XXXX XXXX XXXX XXXX XXXX XXXX, told me that they sent a check to XXXX XXXX XXXX for the refund.
I contacted XXXX XXXX XXXX several times about a refund before being given an answer. Today I talked with XXXX XXXX at XXXX XXXX XXXX and she said " I think I sent the check to you in the mail, let me check '' then came back and said " TD auto finance should issue you a refund, they charge us for gap insurance ''.
So I called T.D. auto finance and talked with someone who explained that the gap insurance is part of the payoff amount. I have not been shown any record of the gap insurance being credited to my account and the amount financed at XXXX XXXX XXXX included the gap insurance as part of the amount finance.
Further, I traded in my XXXX XXXX XXXX for a XXXX XXXX XXXX and also financed with T.D. Auto. I purchased a XXXX $ gap insurance policy for the XXXX XXXX and financed XXXX XXXX I've made one payment of XXXX XXXX On my online T.D auto account the payoff quote I'm given for the XXXX XXXX is XXXX XXXX This obviously does not include a XXXX $ gap insurance credit like they are claiming my XXXX XXXX account did.
What I've gathered from talking to these three companies is that I paid XXXX XXXX XXXX XXXX $ for gap insurance that is refundable but that refund goes directly to XXXX XXXX XXXX. My account was supposedly credited XXXX $ for the unused policy in my payoff quote, but there is not a tangible record of that happening and seemingly the only entity receiving a refund for the gap insurance is XXXX XXXX XXXX. Had I known that the gap insurance policy wasn't actually refundable to me I would not have purchased it in the first place on either of these vehicles.
|
| 04/10/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I wrote about a month ago about a late fee Target refused to refund me. This fee was under dispute and now I get a bill with a late fee on top of that late fee. I understand I was late paying my bill- but I have been displaced from my house for over a year due to a store and was living between an rental home and spent the last 5 months in a hotel room with my family. Picking up mail and staying organized was a bit of a challenge when you work 60 hours a week and are between your home and a hotel room. PLUS I disputed the charge and only just got the decision from CFPB- while this was under dispute I should have gotten a 1 month reprieve on paying the late fee while it was being disputed. BUT NO I got charged another {$30.00}. I refuse to pay this -- Target is taking advantage of me and I called and they acknowledged the fee was under dispute and said too bad- you are now charged another fee.
I work for a financial services company and know CFPB is pushing for banks to waive overdraft and nuisance fees... why not push to have this credit card company waive a fee for a family that is displaced from their home and living under very difficult conditions.
I hope Target enjoys the {$60.00} in fees and it was worth losing a customer -- I will NEVER shop in that store again and I will not pay this additional {$30.00} fee -- it is taking advantage of a customer that had a fee under dispute and it is despicable. Customer loyalty goes both ways and if they will not address this with waiving a fee then they will never get a loyal customer out of me or my family. This is the only recourse the consumer has anymore -- ban the brands that do not take their customers seriously and do not align with our values. My social circle is large and we all feel the same -- Target will be my target -- hope the fee revenue was worth the ding on your reputation and your future revenue.
|
| 07/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I opened an account with T.D bank in XX/XX/2018! Which I deposited {$300.00} cash the day I opened the account. Before I could even use my account I was not able to use my card and when I called they told me to step into a branch and finally when I did it they said they were going to call the department that was handling my account and that I had to wait for them to call me and they didnt have a number to give me to call them! So the manager assured me that she would get in contact me to resolve this issue. While this whole time they were charging my account for the monthly fees of {$25.00} which I was only able to see through my paper statements in the mail! So I was getting charged for a account that I didnt get to use and being charged for it monthly! Its been almost 2 years since I first started this account! To this day XXXX still can not get an answer nor can I access my {$300.00} cash that I deposited into the account when I opened it so every month I keep getting charged for my account! Im not sure about you but I cant afford to spend {$300.00} and get ripped off by a big shot bank like T.D bank! Why I am being treated like I did something wrong! I have never been through something like this before I have never put my money into an account and not be able to access the money! Especially when they are charging me {$25.00} a month! So my {$300.00} just disappears and Im left with no explanation of how they can just take my money when I am an United States citizen and I have rights! I want all of my money back and I wont write a review telling their Customers how they treat people who dont have a lot of money! Or how they wont even acknowledge that they have my {$300.00}! They shouldve at least given my money back seeing that I wasnt able to use my account at all! This is ridiculous and I dont have any money that is extra to give criminals like T.D bank.
|
| 08/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My complaint is against TD Bank/XXXX account # XXXX. On XX/XX/XXXX I went to XXXX web page to by a phone. The phone had a cost of {$1600.00}, on the portal there were different options how to pay your phone ( finance, upfront, etc ), so I decided to finance it. Payment went through, everything approved. Some days later I received the phone without any type of agreement which I saw rare that the did not send it. 2 months later a received a call from x collection on behalf of TD Bank and to be honest I didnt even knew that bank even existed. So I immediately contact XXXX and maid payment in full of {$1800.00} on XX/XX/XXXX. So I de decided to call them both TD bank and XXXX. In TD bank they ask my SSS and the account number and the agent told me that I didnt even had an account with them. This call was made on XX/XX/2019TD bank should have that call recorded. So then I decided to call XXXX to get some kind of explanation of whats going on. In XXXX they told me that what happen is that they never received a payment from me until the XX/XX/XXXX for the amount of {$1800.00} and me thinking it was in automatic payments and everything was ok. Now the phone carrier did have my correct address because I received the phone but I was told by XXXX that statements were return to them therefore I NEVER received any type of statements from TD Bank or XXXX or any late payment insertion required by FCRA . This is unfair business practice, negligence, breach of contract and the list of violations can go on. I dont want to take this case to court, that is why Im using this source to fix this issue. I just want for whoever is responsible of this error to fix it as soon as possible. I want a deletion letter from TD Bank as soon as possible. I have a {$700000.00} mortgage loan pending because of this mistake and if I have to take this case to court, believe me I will. Thank you!
|
| 06/03/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I request your kind attention on my below mentioned case and please reply and let me know how can I proceed further so as to approve my application for Refinance : Quote : Since ( around ) 6 or 7 years I have a Mortgage Loan for my Primary home at XXXX, New York with TD Bank and the interest rate is 6.9 % which is very high, hence I try to Refinance the same loan, hence, I submitted application for Refinance the said loan at the same TD Bank, and upon run my credit history by TD Bank they got my highest credit score is XXXX, however, TD Bank declined my refinance application, the reason they said " '' the problem is debt with income ratio '' '' '' ''.
FYI : as per 2014 my tax return documents my income is {$74000.00} and debt is around {$54000.00} plus I have liquid cash of {$100000.00} in my XXXX Fund Account ( like XXXX ) plus cash value of around {$70000.00} available from my whole Life insurance coverage from XXXX and XXXX XXXX XXXX XXXX which I showed in my application also TD Bank did n't ask me the Tax return documents or any related documentsand without seeing the required documents from my side HOW THEY DECLINED MY REFINANCE APPLICATION?
From the above, I strongly doubt that the TD Bank declined my application because now I pay interest of 7 % to TD Bank and if they refinance now the rate must have reduced to around 4 % that will be the lose for TD Bank and that may be the reason to decline my application to refinance. FYI : Am a XXXX RETIRED employee with having the income of Pension and XXXX too and so far with very diffcult and without any default I am paying my monthly mortgage payment regularly without interrruption. therefore, please hlep in the subject matter so as to approve my refinance application.
In view of the above, please let me know how to proceed further so as to get refinance.
Expecting your valuable advise soonSincereXXXX XXXX
|
| 10/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am writing to file a formal complaint against Td bank, a financial institution subject to the Gramm-Leach-Bliley Act ( GLBA ), for their failure to comply with my GLBA opt-out request.
On XXXX, I sent a written request to Td bank, exercising my legal right under the GLBA to opt out of the sharing of my nonpublic personal information with credit reporting agencies. This request was submitted in accordance with the GLBA regulations and guidelines.
Despite the clear and lawful nature of my request, I have yet to receive any acknowledgment, confirmation, or response from Td bank. Their lack of communication has caused me significant frustration and concern regarding the privacy of my financial information.
I have attached a copy of my initial opt-out request, which includes all the necessary information required by the GLBA, to this complaint for your reference.
I believe that Td bank 's non-compliance with the GLBA poses a serious violation of my consumer rights and privacy, and I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter.
I request that the CFPB conducts a thorough investigation into the non-compliance of Td bank with GLBA regulations and takes appropriate action to ensure that they promptly acknowledge and process my opt-out request. Furthermore, I request that Td bank be held accountable for their failure to adhere to GLBA guidelines and that they are made aware of the potential legal consequences of their non-compliance.
Please consider this complaint as a formal request for investigation.
I appreciate your attention to this matter and your dedication to ensuring consumer protection and privacy. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly and effectively.
Thank you for your assistance in resolving this matter.
|
| 06/21/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On XX/XX/19, the balance of my primary checking account at TD Bank was displaying incorrectly - it omitted electronic deposits from " third party '' vendors including XXXX XXXX ( wallet to bank transfer ) and XXXX ( a payday advance company ). These deposits not being credited meant I didn't have access to all of my funds.
I called customer service 2 times and before even speaking to an customer service agent, was met with a recorded message about " technical issues '' with accounts - that accounts weren't displaying updated information and that TD bank customers and employees wouldn't be able to access updated account information via mobile, online or in-person banking methods.
On the same day, at approximately XXXX XXXX, after checking the bank 's social media and website multiple times for an update or statement that would include information especially about when the issue was expected to be resolved, I then called customer service again and this time stayed on the line through the recorded message and spoke to someone. This is when I was told the issue was with multiple third party vendors including : XXXX XXXX, XXXX, and XXXX - to name a few. After asking a few more questions, the agent was able to tell me that they expected the issue to be resolved by XXXX - which I confirmed meant XXXX XXXX.
The lack of communication and true transparency is troubling. There was no email sent to customers, no statements posted to the bank 's website, social media or other communication channels. Additionally, the agents seemed to be in almost the exact same boat as us customers - mostly without information. Unacceptable and irresponsible. We trust TD Bank to house our financial resources and provide services and this trust was breached today. I am still not sure which is causing the technical issue - was my privacy or security breached? Is my info vulnerable??
|
| 04/23/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Back in XX/XX/2017 i opened a bank account online with TD bank. On XX/XX/2017 i went into the XXXX XXXX branch to deposit XXXX. The clerk at the bank advised me to sit and speak to another bank associate so that i could get an ATM card given to me. The bank associate asked me to write down my date of birth and social and to give her my id so i did. She then went to the back to make copies and came back a short time later. She went back a second time and then returned with my ATM card.
On XX/XX/17 i deposited another XXXX into the account.
on XX/XX/17 two person 2 person fraudulent transactions were made from my account. on XX/XX/17 two additional fraudulent transaction were made again and on XX/XX/17 an additional 2 fraudulent transactions were made. in 3 days a total of {$9300.00} were stolen from my account. i filed a claim and it was denied i was advised to resubmit a claim with a police report and i did. i was contacted by a detective from TD bank ( i have the voice message he left ) statin that the claim was denied because " he thinks '' the transactions were made from my IP address but that he's no sure exactly while it was denied. i have tried getting in touch with him with no success. i have left countless messages for him, have gone into the branch and have just been told that there is nothing i can do. i have never been given any proof or official reasoning as to why my claims were denied. i have called to speak to his supervisor and was told his supervisor was unavailable but will be notified via email as to what was going on. i still have not heard from anyone at TD and have been left without anyway to get my money back. TD has been so irresponsible in not tending to this issue and contacting me or reaching out to me. i have that one message from XXXX and have never heard from anyone else or received any papers or notices regarding this issue.
|
| 08/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Older American |
|
XXXX occurred in XX/XX/XXXX. The previous month and the month after showing {$0.00} balances. But XX/XX/XXXX showing 30 days behind in payment. When I speak to Billing in XXXX they also say it is odd that it is just August 30 days behind and not paid in full, until XXXX?
Then in XX/XX/XXXX again it shows Target, I paid the previous month in full. XXXX showing a {$0.00} balance, I asked billing when was the payment made? He could not tell me the exact date in XXXX? Huh? But it was for the full amount due? He stated I pay my entire balance, but it does show they dropped my credit limit from {$15000.00} to {$300.00}. Why? He did not know why? But I asked to speak with a supervisor. I did not care about my credit limit, but I did care about the passed due amount as we were still in XXXX and they were showing a {$0.00} amount due in XXXX, and 30 days pass due for XXXX? He could not explain it. He got a three way with two supervisors and they could not explain it. Said they would contact all 3 Credit Bureaus right away. I have been trying to get it removed ever since. Calling both Target who state they have contacted the Credit Bureaus and it is the Credit Bureaus who are not removing the negative report. Not Target. I have sent in a Dispute every month ever since.
I find it strange both negative reports are in the month of XXXX. I refuse to use both cards now. I stopped using both cards. Or I pay the credit card bill as soon as I have shopped at Target prior to receiving the statement. If I didnt know better I would say someone works at the credit Bureau who knows me and is able to mess with my credit and make my payments late. Knows I have caught on and knows I am making payments prior to the due dates and can not change my payments. This is just cruel and I know it is illegal.
Any investigation you can do I would be grateful.
Regards, XXXX XXXX XXXX
|
| 01/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/XXXX I made a furniture purchase from Raymour & Flanigan in XXXX, NJ. The total of the purchase was {$7100.00}. This amount allowed me to participate in a 36 month no interest financing promotion. XXXX months later I made a second smaller purchase on the same line of credit for approximately {$300.00}. This purchase was made through XXXX XXXX XXXX 's website because XXXX had shut the physical stores down. My account was set up on Auto pay so my account was always paid on time and this was confirmed by the financing company TD Bank. After 8 months of timely payments I then received a notice that my account was charged all the back interest. This is not the promotion I signed up for. I was told multiple times by the Salesman ( XXXX XXXX, XXXX, NJ ) that I was under a 36 month no interest promotion. I contacted both Raymour & Flanigan and TD bank numerous times in attempts to have this resolved before it spiraled out of control. Each time I tried I was either transferred repeatedly or thrown on hold with no head way made at all. My account went into collections in XXXX of XXXX and was eventually charged off in XXXX of XXXX. During XXXX I was attempting to rectify this situation so I could repair the damage it had done to my credit and as stated earlier I was unable to get anything accomplished. All I am looking for is to have the derogatory marks taken off my credit file and all late payments removed from my report. I am willing to pay exactly what I owe to this company MINUS the inappropriately applied interest. I understand my financial obligation to Raymour & Flanigan and also TD Bank so I do not dispute the principal owed to them. I am simply requesting that the error committed by them be taken care of in a satisfactory and timely manner. This has caused me and my small business unnecessary stress given the toll it has taken on my credit score.
|
| 04/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/XXXX a payment was made XXXX {$150.00} cleared my account however not credited towards debt.
XX/XX/XXXX I was made aware of the past due account and that XX/XX/XXXX payment had not been received. Spoke to collection group who was dismissive and stated it was my responsibility to reach out to customer service to resolve missing payment. Contacted customer service same day and after XXXX minutes of waiting on hold I hung up. Then submitted online billing dispute form reference # XXXX - to date XXXX resolution. Same day XX/XX/XXXX called customer service number provided remained on hold for just at XXXX minutes before being disconnected.
From XXXX through XX/XX/XXXX there were a total of 6 calls to customer service and not once was I am able to speak to a customer service representative.
On XX/XX/XXXX I logged on and submitted by first of five online messages through the TD Bank portal describing my issue and providing proof. Each submission was " resolved '' according to TD Bank within XXXX hours. I have since been blocked from access to my account online. And the only way to reset access is through the XXXX customer service line that no one answers.
I finally submitted a written notice to them of the error on my account within my 60 day window on XX/XX/XXXX. I provided proof and a description of the issue. On XX/XX/XXXX they responded that they were still investigating. On XX/XX/XXXX almost 120 days after my letter and over 180 days from when my payment was made, I was notified they were unable to locate the payment. They continued to point out almost sarcastically, " Futhermore, due to short payment, a late fee totaling XXXX was assessed ... ''. They further stated it was my issue and if I still felt an error, I needed to provide further proof. At this point I am submitting a tracing of the funds although I doubt this will resolve the issue.
|
| 05/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My credit report shows ONE 30 day past due amount of {$79.00}.
On XX/XX/XXXX I made a purchase at Nordstrom Rack in XXXX, FL. I requested, at checkout, to have my account set to auto pay and that the email address on file needed to be changed from XXXX to XXXX.
The checkout agent documented my account number and had me write my name and the correct email address on a piece of paper.
The change of email address and auto pay never applied to the account as requested so the account was not paid automatically and the statements and alerts did not go to the correct email address.
Once I uncovered that the changes were not made as requested I immediately brought the account up to date on XX/XX/XXXX from an initial payment due date of XX/XX/XXXX and paid the account in full on XX/XX/XXXX. ( 37 days passed the due date ) I called Nordstrom card services and they said they sent a letter to my house. I explained to them that I have been in a hotel and not been home since XX/XX/XXXX, due to travel restrictions and my need to work in essential industry. I asked them why they didn't call, and they said that was not their responsibility. I asked them why the email address wasn't changed and they said the store can only change my rewards email address and not my statement email address. ( that was not explained to me in store ).
They called me back a couple days later and said that this is not their fault and would not update the credit bureaus.
I am distraught that they are not making considerations with the current pandemic going on. The CARES ACT allows for people to miss payments for inability to pay due to covid-19. I can pay and have since payed the account in full, I just didn't receive my mail because I'm not home due to covid-19 and am living in a hotel since XX/XX/XXXX. I have perfect credit and this is now the only late payment on my credit score.
|
| 12/28/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
In XXXX of 2014, I had inquired about opening a personal savings or checking account with TD Bank, as my XXXX previous business accounts were closed in conjunction with a failed business. I was told that I could open a checking account, and that I would not be charged fees if the account were opened with a minimum balance of {$100.00}, which I did. As no further transactions were conducted, there was never a reason to inquire about the account.
When I returned to the bank 1 year later, to begin making deposits, I was told that my account was closed, my {$100.00} was gone and that I owed the bank {$45.00}, even though I had never conducted XXXX transaction. The reason was that the bank charged me {$1.00} to send me a paper statement ( which I did not ask for and would prefer email ), and then promptly charged me {$15.00} a month for being under balance until the account was depleted.
I am not against bank fees, but to deplete an entire account where not XXXX transaction was ever made is egregious at best and predatory at worst. Bank Statements are a necessary cost to the branch to conduct business in this state. Furthermore, had I been informed at the outset, I would have opted for E-Statements which do not cost money. They claim this is offered to everyone, but this was not discussed at all with me when I opened this account, and the employee who opened the account no longer works for the company.
I contacted the XXXX XXXX XXXX branch who told me that I had to call customer service at XXXX. Customer Service told me I had to call recovery. Recovery referred me back to the branch. The branch again said I needed to speak with customer service. I am requesting that the CFPB assist in the bank investigating the matter and remitting back into my account all fees associated with the " under balance fee '', if not the {$1.00} per month paper statement fee.
|
| 08/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
XXXX XXXX unauthorized funds were transfered from acct ending in XXXX and withdrawn from my checking acct ending in XXXX and funds sent to XXXX XXXX XXXX XXXX XXXX I was on the phone with the fraud dept moments after the XXXX rep called me from Utah and went into my account. They had me download an app and told me to hold. I started seeing the transactions on my phone and reported it to the bank also. I was advised to go to my cell phone provider and have the phone scrubbed.Meanwhile TD suspended my accounts and online banking.I 've made 4 claims which were denied due to IP address being the same for 90 days but TD never sent any correspondence on this. I keep calling the bank myself checking on the claim and they keep saying its been denied.i verified my current mailing address, so no excuse on mailings.Also XXXX and XXXX have since refunded my monies and denied charging me for goods.I am diabled and went into the branch several times to submit claims also.I was advised that the investigation was not started correctly, no claims were being sent to XXXX tech.There was a claim put in today with XXXX tech again and i am physically going to the bank to submits docs to be faxed to XXXX which is the dispute dept. IF the bank is FDIC why wouldn't they do an invesigation besides stating the IP address is the same for 90 days, i had the same acct number for years, shouldn't it be? I get my fixed income deposits monthly and never have I had to change anything but debit cards for fraudulent activity. XXXX tech told me today the rep who filed the last claim had he wrong account #, how? I verify everything on the phone and have a copy of a claim from the bank. Who deals with the consequence of the bank 's staff error? I want my money refunded back into my account. Again i am XXXX and why would give my money to someone XXXX dont know but unfortunately I was scammed.
|
| 05/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
|
According to 15 U.S. Code 6802 Section 6 ( a ),... to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; And 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) states, ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681 s-3 states, ( 3 ) DURATION ( A ) In general The election of a consumer pursuant to paragraph ( 1 ) ( B ) to prohibit the making of solicitations shall be effective for at least 5 years, beginning on the date on which the person receives the election of the consumer, unless the consumer requests that such election be revoked.
( B ) Notice upon expiration of effective period At such time as the election of a consumer pursuant to paragraph ( 1 ) ( B ) is no longer effective, a person may not use information that the person receives in the manner described in paragraph ( 1 ) to make any solicitation for marketing purposes to the consumer, unless the consumer receives a notice and an opportunity, using a simple method, to extend the opt-out for another period of at least 5 years, pursuant to the procedures described in paragraph ( 1 ).
I have asked several times for the clear and conspicuous disclosure given to the consumer at the time of the creation of this contract which I have not yet received, and as you stated I have made several attempts to receive it from your company. In addition to this, according to your records sent to me via the CFPB portal, this account is over five years old which means that the duration has reached its expiration. This account should be removed immediately.
|
| 03/24/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I sold a product online. The buyer deposited {$5300.00}, cash, into my business account. My business name is XXXX XXXX XXXX XXXX. When TD Bank confirmed the cash was in my account, I released the product to the buyer. Some days later, my account was frozen. I then learned that TD had reversed the deposit and taken the {$5300.00} out of my account.
I never got a single correspondence from TD, not XXXX. No call, no email, no letter, nothing. I reached out to TD and they refused to give me any information. They said the deposit was " suspicious '' and they were " investigating ''. A few weeks later, I got a call from my local branch manager, who ( gleefully ) told me I was a scammer and they were keeping my {$5300.00}. They refused to give any details, any reason for keeping my money, no results of any investigation, nothing at all. I made several calls to TD corporate and could not get any information or resolution.
The theft occurred in Union, XXXX, so I filed a report with the XXXX XXXX police department. TD stonewalled the police and would not give any information. They got XXXX and discovered there was never any investigation and they would not tell the detective why they took my money.
After many months and XXXX the detective was able to determine that another person was involved in the scam. This other person was given a bad check to deposit and was told to deposit the {$5300.00} into my account, after which the bad check bounced. TD chose to give this person their {$5300.00} back, making me the victim of the scam. If this other person got into some money-making scam, why did they make me the victim?
How can TD Bank take {$5300.00} cash out of my account and never contact me, never explain anything to me or even take my calls?
It appears to me that the managers of the XXXX XXXX XXXX XXXX are in on the scam and TD bank is protecting them.
|
| 07/11/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I discovered in XXXX of XXXX that I was being charged late fees by TD Bank Retail Card Services for my XXXX XXXX account for not paying my bill on time. I discovered upon looking at my personal bank account that although the payment completely cleared my bank account on time as a scheduled electronic payment, TD Bank was not applying my payment to my account with them until 2 to 5 calendar days after the payment fully cleared my personal bank account. According to TD Bank, my payments are due on the XXXX of every month, all of my payments were completely cleared from my account on or before the XXXX of the month.
I also discovered that between XXXX and XXXX of XXXX I had overpaid my bill by making at least double payments by over {$130.00} dollars, but was still charged a late fee in XXXX. I have continued to pay double the minimum payment throughout XXXX in order to pay my bill down faster, but that has been eaten up by late fees instead.
These details are as follows : XXXX 's payment fully cleared my bank account on Friday, XX/XX/XXXX, TD Bank did not post it to my account until Wednesday, XX/XX/XXXX 5 days later, causing me a late fee of {$38.00}.
XXXX 's payment fully cleared my bank account on Monday, XX/XX/XXXX TD Bank did not post it to my account until Wednesday, XX/XX/XXXX, 2 days later, causing me a late fee of {$38.00}.
XXXX 's payment fully cleared my bank account on Wednesday, XX/XX/XXXX, TD Bank did not post it to my account until Friday, XX/XX/XXXX, 2 days later, causing me a late fee of {$38.00}.
XXXX 's payment fully cleared my bank account on Thursday, XX/XX/XXXX, TD Bank did not post it to my account until Monday, XX/XX/XXXX, 4 days later, causing me a late fee of {$38.00}.
I have submitted these details to their payment verification team, but have not heard back, or received a confirmation that my message was received.
|
| 12/03/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
I have tried numerous times, during the past month, to link my TD checking account to a brokerage account ( s ). For whatever reason, TD Bank locks me out of my account, during the actual process of trying to link my TD checking account to my brokerage account ( s ).
I am presently on-hold waiting for another 35+ minutes, on the telephone, for a CSR to assist me. This is the second time, today, that I 've had to deal with this ridiculous situation. This morning I tried to link my TD checking account, a few minutes ago, I tried to link my TD debit card.
I 'm also perplexed, as to why on the TD login screen where the question is asked about 'Where did you open your TD account? ' There are only three available state choices, and they are : Connecticut, Delaware, and Florida. .Well, that 's a problem in itself, because none of these states apply to my account. Then, to top that off ... The customer is forced to actually lie, in order to move forward, to the next screen. So, my first choice was Florida, since it 's also a state in the southeastern U.S.. My account was opened in South Carolina. , and that state is not one of the available choices.
As a former banker, for many years, my banking expertise tells me that this issue is definitively one that needs to be addressed, IMMEDIATELY.
Honestly, I am so fed-up with this particular TD Bank problem, until I 'm contemplating disassociating myself with TD Bank. It has truly become a vine of thorns in both of my sides, and is not worth the constant aggravation.
I also bank with two other banks, and I have never had a chronic issue like this before. I have banked with one of those banks for over 34 years.
Please try to convince TD Bank to remedy this issue. Problems like this, are really not good for TD Banks reputation, customer service relations, and quality of overall services.
Warmest regards, XXXX
|
| 05/14/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
Servicemember |
|
I have been asked to send a letter disputing a charge from XXXX FL for {$33.00} on XXXX/XXXX/2015. I did not authorize this transaction or signed any receipts. I can say I was at such place and have been there before but this transaction was not made by me. I put my card down for purchases but did not purchase anything. Please credit account ASAP.
A concern I have is that I was never notified of denial of dispute. If I would not called today then this dispute would have never been resolved. I was told the reason it was denied it was because " I did not provide any documentation ''. Also I never received any paperwork in the mail. Well there is nothing to provide since I did not sign any receipts. You guys ca n't just go around denying customers claims and thinking nobody will call back and in this particular case deny it on a basis that it needs documentation from me. What happens if the customer does not have any documents you just deny the claim it sounds wrong!!! Somebody is not doing his or her job correctly and this needs further investigation. How about calling the merchant and asking them for signed receipts!!! Why do n't you do that? I did not do any pin confirmation either. Talk to the person who did the dispute and I think this is the person that needs to be looked at. I do n't ' think this person is doing his/her job properly. Maybe is time to let this person go because is causing customers accounts to be closed.
I want my credit on my account. If I do n't get a credit I will close it and further complaint to the XXXX, FTC, and CFPB and let them investigate your practices and maybe they will find out you are not following proper rules. I will raise hell if I believe you are not handling my account correctly. I will make sure somebody is accountable. You are messing with the wrong person when it comes to my account.
Sincerely, XXXX XXXX
|
| 04/12/2016 |
Yes |
|
|
|
Web |
|
|
T.D. Bank N.A. failed to provide me with a statement or bill for a credit card that I hold with their company. T.D. Bank N.A. then applied late charges while still failing to notify me in any manner that there was a balance on my account, and failing to notifying me of the application of late charges ( email, mail, phone, etc ... ). T.D. Bank N.A. then reported my account as delinquent to all major credit bureaus while still failing to notify me in any manner ( postal mail, email, phone, etc ... ) of the balance or delinquency. T.D. Bank N.A. still has not contacted me in any manner : the delinquency was reported to me by a third party ( XXXX ) which notified me of a drop in my credit score ( from XXXX to XXXX ). I learned of the score drop on XXXX/XXXX/16 and called T.D. Bank N.A. on XXXX/XXXX/16. T.D. Bank failed to acknowledge that it owed me any duty to supply with a statement and claimed that it did, although the company failed to do so. I called T.D. Bank N.A. again on XXXX/XXXX/16 to obtain a copy of the past 4 statements, which I have not received, so that I may request a correction to T.D. Bank 's reporting of delinquency to the credit bureaus, as well as to include in a report to the credit bureaus. T.D Bank first attempted to charge me {$7.00} per statement, although the statements were never initially provide. T.D Bank then finally agreed to waive the fee for two statements, but refused to waive the {$7.00} for the remaining two statements. T.D. Bank N.A. has created a system where they fail to notify customers of charges in order to charge as many fees as possible. This has caused graved economic effect to my credit score, exclusively as a result of T.D. Bank 's dubious, unethical, and likely illegal business model. The charge in question was a singular, automatic charge of under {$10.00}. The credit card is otherwise entirely unused.
|
| 09/12/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
My complaint It's about Target red card overcharges I have attachments for proof I put them in order to the best I could The 1st 8 Attachments are screenshots from my target record of purchase history From XX/XX/XXXX to XXXX of XXXX All my purchases add up to {$660.00} The last attachment is a statement that I got from my bank ( XXXX XXXX ) added up all my payments to target from XX/XX/XXXX until now which adds up to {$740.00} is how much I've paid plus {$30.00} payment made later that day XX/XX/XXXX which adds up too {$770.00} paid.. I spoke with customer services today ( XX/XX/XXXX ) and I explained to him about the charges so I asked him to give me the round amount of all the interest fees counted up from XXXX to now XXXX, he stated that it was a {$120.00} So I went over the figures with him several times and I added the {$120.00} to the ( All of my purchases total/ $ XXXX XXXX - XXXX ( subtracted ) is my whole payments amount to them totals {$15.00} they claim that my balance owed is {$280.00} so after the customer server kept trying to say its the Interest fees I asked to speak with his manager When he got the phone I explained to him the same thing the amount that I paid From XXXX until now I even broke it down to him that I wasn't purchasing anything every month there were 2 to 3 months in between my purchases but my payments were still made and I also deducted the interest fee so he even agreed that it came out that {$15.00} is the balance..But then he tells me that he can't hear me on the phone he kept saying hello hello but I could hear him, then he stated that " all he can do is credit me {$7.00} that's it I still have to pay the whole amount of the {$280.00} and hang up the phone.. Today was my 3rd attempt to settle this matter with Targets customer service reps and managers.. So that's why I'm putting in this complaint here today...
|
| 08/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
My TD bank credit card ending XXXX expired XX/XX/23. I never received a new replacement card, and I didnt notice since I rarely use this card. I only used this card to charge XXXX auto insurance premium & balance transfer checks in the past. On XX/XX/23 I made a payment to XXXX using this card, so I checked the billing statement. I was shocked to find out there were many fraudulent charges between XX/XX/23 to XX/XX/23 for a total of {$11000.00}. I called TD bank to dispute & also found out that TD bank did send out a new replacement card which I never received. I strongly believed my new card must have landed in the hands of the criminal. It was too late to find out the card was stolen since damaged were done. I was concerned if I was a victim of identity theft or TD bank failed to provide sufficient security measures so the criminal was able to activate my replacement card? On XX/XX/23, TD failed to reach out to me for verification for a large payment of {$10000.00} to XXXX XXXX which I didnt know the nature of business & any contact information. It appears like a scam since I found no clue of this company in my search. Then with the TD bank lacking security, the criminal continued using my stolen card purchasing in various stores in XXXX wheres distance from my residence in XXXX. Again, TD bank failed to detect unusual card activities & irregular purchases patterns. I filed a police report. I informed the credit unions. I filed disputes with TD bank without success. I dont understand why TD bank denied my disputes while they claim credit card XXXX liability with unauthorized changes. I am reporting this problem to your agency, hoping you could direct TD bank to do a thorough investigation on my case, bringing true answer to light. I trust your agency can do everything in your power to protect consumers including me against fraud. Thank you!
|
| 08/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I HAVE DISPUTED AND SUBMITTED SUFFICIENT EVIDENCE IN REGARDS TO INCORRECT DATA REPORTED WITH ALL THREE CREDIT BUREAUS. I HAVE ALSO SUBMITTED A POLICE REPORT TO SUPPORT THE FACT THAT MY IDENTITY WAS STOLEN. I HAVE BEEN FIGHTING WITH THE BUREAUS FOR OVER THREE YEARS NOW ALONG WITH OTHER CREDIT REPAIR AGENCIES THAT I HAVE HIRED TO NO AVAIL. THE ACCOUNTS ARE LISTED BELOW AND HAS CAUSED GREAT XXXX, XXXX AND XXXX. I AM UNALBE TO MOVE FORWARD IN MY XXXX CAREER HAVE NOT BEEN IN XXXX. I AM TRYING TO PURCHASE A HOUSE!! POLICE REPORT # XXXX XXXX XXXX XXXX Negative Account Info Account NameXXXX XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX StatusCollection account. {$580.00} past due as of XX/XX/XXXX.
Status UpdatedJul XXXX Account Info Account XXXXNORDSTROM/TD BANK USA Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX.
Status UpdatedMay XXXX Account Info Account NameXXXX Account XXXX Account TypeSecured Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed.
Status UpdatedXXXX XXXX Account Info Account NameXXXX - XXXX XXXX Account NumberXXXX Account TypeCharge Card ResponsibilityIndividual Date OpenedXXXX StatusOpen. {$110.00} past due as of XX/XX/XXXX.
Status UpdatedJul XXXX Account Info Account NameXXXX XXXX Account NumberXXXX Account TypeCell Phone ResponsibilityIndividual Date XXXX StatusCollection account. {$2300.00} past due as of XX/XX/XXXX.
Status UpdatedJan XXXX THIS ACCOUNT IS ONLY SHOWING ON XXXX AND NOT XXXX.
Record Details Record Type XXXX XXXX bankruptcy XXXX Reference Number XXXX Responsibility Individual Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Reinvestigation Info This item remained unchanged from our processing of your dispute in XXXX XXXX.
On Record Until XX/XX/XXXX XXXX
|
| 08/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir /Madam I am a customer with Td Bank under mortgage loan XXXX XXXX for property XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received the attached Escrow Account Discloser statement dated XX/XX/XXXX as it was printed XX/XX/XXXX. BUT I RECEIVED IT BY MAIL XXXX. ( I do not understand why it was printed XX/XX/XXXX and it took a year to mail to me on XX/XX/XXXX?? ). The Statement showed escrow shortage amount XXXX otherwise my monthly payments will be interrupted and changed, however I contacted customer services to make full payment amount of {$1200.00} by wiring from my personal bank account, and it was deducted from my bank account.
The surprise is on XX/XX/XXXX ( JUST TWO MONTHS LATER OF MY ESCROW SHOTAGE PAYMENT XX/XX/XXXX ), I received ANOTHER Escrow Account Discloser statement dated XX/XX/XXXX printed on XX/XX/XXXX. The 2nd letter also shoe ESCROW SHORTAGE amount {$2000.00}.
I contacted TD Bank customer services several times seeking correction or explanation of why my loan account faces escrow analyses TWICE A YEAR while the regulations required once a year analysis NOT EVERY TWO MONTH!. NO ONE WAS ABLE TO HELP ME. All I am looking for is to review my mortgage account since started XX/XX/XXXX through present based on : Full annual payment submitted to insurance companies and city of XXXX XXXX tax assessor office. Remember TD Bank charged me shortage every year, I do not know how it works this analysis. I will attach tax payment to the city of XXXX XXXX since XX/XX/XXXX through present for the above loan number, bank has the insurance payments record. Please help me and have the bank update my payments and provide me with the updated amounts of escrow payments required to be submitted or credit it back to me.
Thank you.
XXXX XXXX XXXX
|
| 01/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
TD Bank Overdraft Issues XX/XX/2022 - Charge of {$70.00} Taken from Checking XXXX. ( Me ) creation of overdrawn to - {$11.00}.
- XX/XX/2022 - Charge of {$8.00} taken from Checking Acc. ( Me ) overdraft now {$20.00} - At this time, I recieved no warning or email from TD Bank stating I have gone into overdraft.
- XX/XX/2022 - Charge of - {$1.00} taken from Checking Acc. ( Me ) overdraft now {$21.00} - XX/XX/2022 - I check my account and FIX overdraft by transferring {$50.00} from Savings to Checking Acc. bring account to {$28.00} - XX/XX/2022 - 5x Transactions ( Me ) totalling {$18.00} - XX/XX/2022 - TD Issues {$70.00} Overdraft Fee without email or message notice. Checking Acc. overdraft now at - {$59.00} - XX/XX/2022 - Deposit of {$20.00} made into Checking Acc. from XXXX XXXX XXXX made. overdraft now at - {$39.00} - XX/XX/2022 - Charge of {$20.00} taken from Checking Acc. ( Me ) overdraft now {$59.00} - XX/XX/2022 - TD Issues new Overdraft Fee of {$70.00} still with no warning. Overdraft now at {$120.00} - XX/XX/2022 - 3x Transactions ( Me ) totalling {$14.00} leaving Overdraft at - {$140.00}.
- As of XX/XX/2022 - I recieved compensation from my job and lost nearly {$250.00} because TD bank charged a {$100.00} Overdraft fee which attached to the already - {$140.00}.
These overly priced charges for such small transactions are uncessary and affect my livelyhood and ability to purchase and pay bills in a timely manner. Also the first overdraft SHOULD NOT have happened considering I fixed the intial overdraft quickly.
- Now usually if I overdraft and get charged I can recieve a partial or full refund to compensate for lost time and money, yet when I called this time they refused to give back any of the near {$250.00} USD taken from my account. Their actions are uncessary and hinder my ability to pay bills and obtain necessary supplies.
|
| 06/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I closed with TD Bank on my refinance on XX/XX/XXXX, loan number XXXX.
On the closing disclosure I was quoted a monthly payment of {$2400.00} including escrow of {$1200.00}. The closing disclosure noted quarterly property taxes of {$3300.00} and annualized hazard insurance cost of {$1800.00}. I prepaid {$2400.00} into escrow and made monthly payments of {$1200.00} starting XX/XX/XXXX.
We are now 13 months into the mortgage, and TD has sent me a notice indicating an escrow shortfall of {$3200.00}. My quarterly taxes have gone up only $ XXXX and my hazard insurance has gone up only {$54.00} annually.
My total payments into escrow from closing through XX/XX/XXXX were {$17000.00}. TD 's total expenditures for that period were {$16000.00} ( which included three extra months of hazard insurance to adjust from XXXX through XX/XX/XXXX ), so as of XX/XX/XXXX the escrow should have a positive balance of {$1700.00}. TD projects expenditures of {$15000.00} during the next escrow cycle and payments of {$15000.00}.
I understand the need to cover the shortfall of about {$830.00} between the {$1700.00} positive balance as of XX/XX/XXXX and the required reserve balance of {$2600.00} but TD doesn't appear to be able to explain the additional {$2400.00} that it wants to collect for XXXX. I have contacted TD three times on this and the third time I was told that TD needs to start collecting this amount against the XXXX hazard payment due in XX/XX/XXXX, so in effect they are collecting three years of hazard insurance in two years of escrow payments.
The requirement to escrow an extra year of hazard insurance premiums in the first two years of the mortgage in addition to maintaining a continuous two months ' cushion, was never disclosed and seems like it should have been. If this is not a requirement, TD has made a mistake they refuse to acknowledge.
|
| 01/06/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Web |
Older American |
|
I have been charged a {$15.00} service fee in a savings account for over a year. I had NO IDEA I was being charged this fee. I contacted the TD BANK at XXXX XXXX XXXX XXXX XXXX NJ XXXX and spoke with XXXX, a Manager there. I explained that I am on social security and had no idea that any savings account would have ANY service fee let alone a {$15.00} per month one. That I wished to have these fees returned to me. She was not helpful or customer friendly at all. In fact I would say she was condescending toward me. She dredged up that when I opened the account a year ago I knew what type of account I was opening, etc., arguing with me. SIDE NOTE I moved to the area a year ago and received a post card from TD saying open a savings and checking account at TD and get a bonus. I did so and when it was time for the bonus to be given I had to argue with this same manager to receive it. Todays issue She then said they would give me half of the fees back {$60.00} vs {$120.00} ). I agreed to this and asked her if now my accounts would both be straight and that I will not be charged in the future? She really did not know, then proceeds to ask my age ( XXXX ). She then informs me that when I turned XXXX ( XX/XX/2020 ) my accounts should have automatically switched to a no fee account. That did not happen. I also had to argue with this bank three weeks ago along the same lines with my checking account as they were charging me {$25.00} in fees. I feel as though I have been unfairly and deceptively steered into products with hidden fees of which I knew nothing about. I do not appreciate this managers poor customer service or the way she spoke to me. I would like all the fees returned to me. She wasnt completely unprofessional in her manner in speaking to and arguing with a customer. Here are my account numbers : checking XXXX savings XXXX XXXX XXXX. XXXX
|
| 09/09/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
( 1 ) AFTER REPEATED REQUESTS FOR PROOF and RECEIVING NONE, charges ( not made by us ) are not being removed from our Target account, and ( 2 ) Negative credit notices ( from Target ) are not being removed from our credit reports.
History : a. We paid off our Target account and quit using the XXXX credit card ( acct ending in XXXX ) in XXXX XXXX.
b. We received a notice fromXX/XX/XXXX that a negative entry was posted against our credit report by Target. According to Target, a {$55.00} charge made on XXXX XXXX XXXX and it was overdue.
c. We contacted Target customer service and were informed of the following : 1. Charges were made on our account on XXXX XXXX XXXX, and 2. Unbeknownst to us, our account profile had been changed such that Target would NEITHER send invoices to us via US Postal Service NOR send invoices via email. As a result of these settings, WE HAD NO NOTICE earlier than the XXXX note from XXXX that anything suspicious had gone on with our Target account.
3. We were told that the matter would be investigated and evidence of who used the credit card would be provided. NO SUCH EVIDENCE HAS EVER BEEN PROVIDED.
d. Since XXXX, 1. We have been notified repeatedly by Target that late charges have been added to the amount due, and 2. We have repeatedly contacted Target customer service, the Targets Fraud Dept and Targets Collections Dept to only be told that the matter would be investigated and that evidence of who used the credit card would be provided. NO SUCH EVIDENCE HAS EVER BEEN PROVIDED. Dates we contacted Target : XXXX, XXXX, XXXX.
e. On XXXX XXXX XXXX, a representative in the Target Fraud Dept ( by the name of XXXX ) told us 1. that no one but my wife and I could have used charged items against the account, 2. that she was NOT GOING TO PROVIDE EVIDENCE, and 3. that we were going to be held liable for the charges.
|
| 12/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
TD BANK USA/TARGET CREDIT I was going over my credit report and I noticed this account opened and reported negatively on my report. This is a surprise because I do not own this account nor have I ever owned a Target Credit card. I am requesting that this account be removed from my report immediately as it violates my rights as a consumer. This negative reporting is hindering my abilities to qualify for loans.
As reported to XXXX : there is only history for 3 months in XXXX ; XXXX 60 days past due, XXXX 90 days past due and XXXX 120 days past due. There is no other data provided for this account in XXXX. There is also no close date on this file, nor is there an amount past due or actual payment amount recorded. There is no close date for this file. This account is obviously fabricated. Please remove this from my XXXX XXXX.
As reported to XXXX : there is much more lengthy history, however the start of the delinquency is called into question because the start of the delinquency does not correspond to the start of the delinquency in the aforementioned report. XXXX shows 30 days past due starting in XXXX, 60 days past due in XXXX, 90 days past due in XXXX, 120 days past due in XXXX, 150 days past due in XXXX, and charged off in XXXX, XXXX, XXXX and XXXX.
The question herein is, how can i be both 30 and 90 days past due in XXXX of XXXX? This account is obviously fabricated. Please remove this from my XXXX File.
As reported to XXXX : The last date updated on this account was XX/XX/XXXX. But the other two accounts were last updated in XX/XX/XXXX.
XXXX shows the date the account will fall off is XXXX of XXXX, but XXXX shows XXXX of XXXX. XXXX shows that this account was 120 days past due both in XXXX and XXXX of XXXX. How can it be 120 past due for two months? This account is obviously fabricated. Please remove this from my XXXX File.
|
| 01/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American |
|
I had to cancel a trip with a company named XXXX XXXX and travel located in Florida.
I had originally paid the deposit for the trip using a debit card from TD bank. The original payment was made on XX/XX/XXXX for XXXX When I cancelled the trip I was entitled to a refund of XXXX The tour company told me that their process is to repay the card number that was used for the initial payment.
I explained to the travel agency that I had lost the debit card and had it replaced with a new card with a new number. They insisted on repaying the card number that was initially used. They explained that the bank usually would take it because the account is still open. I asked if I could get a refund check instead, but I was told that was not possible.
So they sent a credit of XXXX to my account using the cancelled card number on XX/XX/XXXX. TD bank confirmed that they had received the refund to the old debit card number. They said I would see it in my account. But ... after XXXX weeks I still did not have the money. I spent at least XXXX hours on the phone trying to straighten this out. I was assured I would get the money back, but I did not. So I went to the bank and met with a representative who told me he would take care of it on Saturday XX/XX/XXXX. So I called on XX/XX/XXXX, and XXXX. On XXXX day I also spoke with the XXXX of the bank. I was told that they were working on sending the money back to the travel agency, but they do not know how long that will take. I asked to have something in writing to that effect, but I was told that was not possible.
The bank called to travel agency to discuss the matter on XX/XX/XXXX but the travel agency reported they have not received the credit back.
So.. I am asking for help to secure the money that I am entitled to. I am reporting TD bank, as I have spent about XXXX hours trying to resolve this issue.
|
| 01/31/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
Someone else opened an account in my name via the XXXX XXXX XXXX, which appears to be administered by TD Bank, and made a purchase of {$1400.00}. I did not open this account. On XX/XX/XXXX, I received a collections notice from TD. This was the first I had heard of this account. On XX/XX/XXXX, I spoke with XXXX ( ID XXXX ) from TD Bank, who submitted a fraud claim on my behalf. On that day, I contacted all XXXX credit bureaus and placed a hold on my credit. I was told that an affadavit would be sent to me in 14 days. On XX/XX/XXXX, the affadavit was sent ( per the date on the enclosed letter ) ; I received it XX/XX/XXXX. The enclosed letter noted that I had 14 days to complete the affadavit. I completed the affadavit on XX/XX/XXXX and emailed it to XXXX, as instructed. On XX/XX/XXXX, I received a note, dated XX/XX/XXXX stating that my fraud claim was denied and enclosing a purchase receipt for the phone. From the receipt, I note that the purchase was completed online and the phone was picked up in person. It does not indicate that the person picking up was required to show any ID. The email address used for the purchase is not mine, and a search for the location of the XXXX address shows XXXX, XXXX. I do not live in XXXX, nor was I there on the date of purchase.
In summary, my claim was denied based on incorrect information, and before my affadavit was received. Moreover, the denial of claim letter, addressed from XXXX XXXX XXXX, includes a phone number that appears to be XXXX XXXX 's personal phone number, which has gone to voicemail on the XXXX XXXX I have called it since receiving the denial of claim letter. I have called TD Bank twice to discuss this matter further, but have been told that there is " no fraud department '' nor is there anyone I can speak with. When I ask to speak to a supervisor, I am placed on an indefinite hold.
|
| 09/09/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
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|
On XXXX/XXXX/15 XXXX fraudulent charges occurred on my checking account in the amounts of {$66.00}, {$70.00}, and {$72.00}. A total of {$210.00}. On XXXX/XXXX/15 I noticed the fraudlent charges and reported the matter to TD bank customer services. I explained that I had never lost or misplaced my debit card and that I had never been to the location in which the fraudulent charges occurred. The TD bank representative took my information and said that an investigation would be initiated and I could expect the money to be refunded within 3-5 business days. On XXXX/XXXX/15, six business days later, I called TD bank again to check on the status of the investigation and the TD bank representative said that the person I had spoken to during the initial call had failed to initiate the investigation and I would have to start the process all over and that it would take 7-10 additional business days to resolve. After providing the information for the second time I asked to speak to a supervisor about the difficulty I was having getting the issue resolved. The TD bank representative stated that I could not speak to a supervisor but that if I left my contact information, a supervisor would call me back within 48 hours. I insisted I wanted to speak to a supervisor and was again told that I could not speak to one. Finally I gave in and left my contact information and asked to have a supervisor call me back as soon as possible. I never received a call from a supervisor or any TD bank representative.
As of today the issue remains unresolved and no funds have been refunded to my account. 19 business days since my initial call on XXXX/XXXX/15 and 13 business days since the XXXX call. I have however been charged a {$14.00} maintenance fee because my account dropped below {$100.00}, which would not have occurred if the fraudulent charges had not occurred.
|
| 03/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/XXXX I attempted to change the bank account on file with my auto loan at TD Auto Finance. The auto payment of {$590.00} was scheduled to come out the two days later on XX/XX/XXXX. In an attempt to avoid the payment debiting the previous account I made a one-time payment for {$600.00}.
Unfortunately, I later learned that any changes that are made within 5 days of the scheduled auto-pay date can not be changed and will not be applied to the current payment date.
In the end, both payments came out. The scheduled payment with the previous bank for {$590.00} was drafted and my {$600.00} payment was drafted from my new account.
The problem began when I called TD Auto on XX/XX/XXXX to explain the {$600.00} payment was intended to make the XXXX payment. They explained it had been applied as a principal payment in addition to the scheduled payment. I explained the mistake and requested a refund for the additional {$600.00} payment I made.
This is where the representative on the phone explained that it takes 19-30 days to issue a refund.
I believe this is an excessive amount of time and they are taking advantage of consumers by having this excessive amount of processing time to benefit them.
I believe they are using this excessive amount of time to their advantage to manipulate their customers into allowing TD Auto to keep their customer 's money so TD Auto can have the security of their customer 's next payment.
We've all received refunds from companies before, including banks and the longest it should ever take it 5 business days.
I ask that you look into this excessive amount of time because I believe it is wrong and there should be limits on the amount of time it takes a company, especially a bank to issue a refund to its customers.
Thank you for looking into this matter and everything you do to protect consumers.
|
| 02/19/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/ 2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to Wall Street in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a XXXX filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act, Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly XXXX SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.
|
| 09/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
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On or about XX/XX/XXXX, I wrote a {$5000.00} check ( # XXXX ) from my XXXX XXXX XXXX XXXX ( XXXX ) located in XXXX XXXX and deposited that check into my TD Bank account in XXXX South Carolina, through mobile deposit.
Approximately Seven ( 7 ) months later, on or about XX/XX/XXXX, XXXX XXXX called me and informed me that someone tried to deposit the same check # XXXX that was written on XX/XX/XXXX into a XXXX Bank account. Because I did not make the deposit, XXXX deemed this as fraud and did not clear the check.
A month later, on or about XX/XX/XXXX, I noticed {$5000.00} was missing from my TD Bank account, the same account where check # XXXX was deposited. When I called TD bank to inquire about the missing money, I was informed by TD Bank that since the same check ( check # XXXX ) was presented into a lockbox deposit, they had to reverse that check. However, these funds were not reversed into the XXXX account from where originated. Instead, the funds were sent to a XXXX Bank account. I do not have any XXXXXXXX XXXX XXXX. Importantly, the check ( check # XXXX ) was not a TD Bank check, it was a XXXX XXXX check. Additionally, the check was not endorsed on the back of the check. So I do not understand how this check can be paid by TD bank while the issuing bank XXXX refused to honor this check.
TD Bank has refused to file a fraud report and the reasoning they have given me for the reason they refuse to file a fraud report is because it was not a TD Bank check. However, the check ( check # XXXX ) was originally deposited by me into my TD bank account and the check ( check # XXXX ) was processed a second time by TD bank and sent by them into a XXXX Bank account, where I not have an account.
More over this check was presented 6 months after it was written and it was not endorsed by me. TD bank is refusing to give me back my money.
|
| 05/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
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On XX/XX/XXXX at approximately XXXX I deposited a XXXX XXXX check from my attorneys escrow account into my td bank account via an atm at XXXX XXXXXXXX XXXX XXXX XXXX New York XXXX XXXX On Tuesday XX/XX/XXXX I noticed a 7 day hold placed on my check and within a few hours td bank closed my account. I rushed to the nearest td bank which at that moment was XXXX XXXX XXXX XXXX New York XXXX. I sat with in a room with a woman who told me my account is closed and she cant do anything for me. I asked her repeatedly about my funds and she was unable to provide me with any information, details, or next steps. She told me they would mail me my funds. Fast forward to yesterday XX/XX/XXXX. I enter a td bank on my work break twice. XXXX XXXX XXXX XXXXXXXX XXXX XXXX New York XXXX. At this branch I spoke to XXXX. XXXX referred to himself as the assistant manager. XXXX proceeds to tell me that my account was closed because my attorneys check was bad and theres an ongoing investigation. TD WILL NOT GIVE ME MY FUNDS BECAUSE THEY SAY I DEPOSITED A BAD CHECK. I called my attorneys paralegal XXXX and put XXXX on the phone with her. On my attorneys side the money has been WITHDRAWN. In my attorneys account they see my signature aswell as the check deposit into MY TD BANK ACCOUNT. TD BANK has my funds from the check aswell as previous funds from direct deposits from NEW YORK STATE UNEMPLOYMENT. TD BANK IS HOLDING MY FUNDS HOSTAGE, AND HURTING MY CREDIT SCORE. I have a td avant- loan that has been on autopay for years. On XX/XX/XXXX the autopayment was due, once td bank closed my account the auto payment was stopped now td bank avant calls me twice a day regarding the payment. The associates XXXX at td bank refuseD TO even give me documents to provide stating the status of my account and the hold of ALL OF MY FUNDS. TD BANK IS TRYING TO DESTROY MY LIFE.
|
| 05/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I recently signed up for a TD Beyond XXXX account bonus with a {$300.00} sign up offer. I made my deposits as required and realized there were fees associated with the account that I was not aware of. I called a TD representative and asked explicitly if I were to downgrade to a TD Convenience XXXX if it would affect my eligibility for the bonus. He explicitly informed me it would NOT and that if anything I would receive the {$200.00} bonus for the TD Convenience XXXX instead of the {$300.00}. But he assured me multiple times I would be receiving the bonus and proceeded to downgrade my account and refund the fee. After not receiving the bonus after having my account open for almost XXXX months, I reached out to TD again on XX/XX/14 and was informed by another representative per their " promotions team '' that I would not be receiving ANY bonus because by downgrading I was disqualified and they do not make any exceptions, not even for bank error. I did not even close my account, I still have a checking account open. As a new customer, this was so off-putting and unprofessional that I will not be receiving a bonus as promised after meeting their requirements because of misinformation by their representative on a recorded line. They did not even attempt to pull the call or rectify the situation. I am wondering if they pay these bonuses out at all, or if they dangle them over new customer 's heads to lure them in and then renege on their promises. I am so disappointed in this experience with TD bank, I will be closing my accounts and taking my funds elsewhere, as well as discouraging anyone I know from utilizing their products and services if this issue can not be resolved. This was beyond unprofessional on their part and I do not feel valued or respected as a customer at all if this experience is a testament to their customer service.
|
| 10/15/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
In early 2022, I opened a Target XXXX XXXX XXXX I was given a credit line that was insufficient for my needs and was told that if I prepaid ahead of charges I would a ) be able to spend more, and b ) would accelerate and increase the likelihood of recieving automatic credit line increases.
I made a payment in-store via prepaid debit cards that do not allow credits after activation.
My last payment was made in XXXX of 2022 totaling {$22000.00} -- XXXX payments in the amount of {$490.00} per prepaid debit card. The payment was made in-store.
Not long after Target called me and informed me that my account was closed for excessive payments, despite the phone rep telling me that it was an approved method for increasing spending power and was viewed as a positive action by the bank.
They informed me that they would be refunding the credit balance on the account via a check to the mailing address on file. The prepaid debit cards have been disposed of and they do not accept credits after the initial activation.
Months after the incident Target informed me that they decided to return the payments to the original payment method despite them having to go out of the way to do this and process 46 individual refunds. This is inconsistent with standard practice, both for Target and for the industry standard. After the funds have cleared and the hold period has elapsed, a check is typically issued to the address on file. Target refuses to correct their mistake and says that I need to call the prepaid debit issuer. Target went out of their way to cause this issue, will not even provide proof that the funds were sent, and will not issue the check they had promised to issue as of Saturday XX/XX/2022.
The reps claim that this is standard practice in instances where they refund a credit balance on the account, however that is not the case.
|
| 08/23/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Servicemember |
|
I was scammed out of {$5000.00} for an online vehicle purchase from a company supposedly based in Maine but was doing business under an address in Pennsylvania. The company, XXXXXXXX XXXX XXXX located at the said address of XXXX XXXX XXXX. XXXX, ME XXXX had vehicles listed for sale, that I came to find out were actual vehicles for sale from other dealerships throughout the US.
They provided me a Bill of Sale, XXXX with matching VIN number, video walkarounds of the truck as well as tracking details when the truck was " enroute ''. I communicated with a gentlemen who went by the name XXXX as well as another gentlemen " XXXX '' who was the driver and everything seemed legit. I even did a bunch of research prior, confirming the LLC as " XXXX XXXX XXXX '' registered at XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. This LLC was registered since XXXX and the payment I sent was to their TD Bank account, which I still have all the account details for.
I have since tried contacting TD bank and they will not help me as I am not a customer, and essentially have told me to kick rocks. I did contact my bank, XXXX on Saturday XX/XX/XXXX the day after the wire transfer to make them aware I believed it was fraudulent. They told me they would attempt to contact TD bank but that is basically all I have been told and that more thank likely this money is gone.
I am not sure to what extent the bank can go to refund my money, but with the amount of details I have, there has to be something that can be done. I plan to press charges against the LLC but am filling a formal complaint against both TD Bank and XXXX for the lack of effort and support from a FEDERALLY INSURED financial company. There needs to be more action with regards to scams and I will take this as far as I need to. The FBI, FTC, Attorney General and XXXX have all been contacted as well.
|
| 08/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
I received a letter from Target TD Red Card around XXXX XXXX of XXXX advising me that if I do not use the card within 30 days of the letter they will close my account which in turn will effect my credit. I used the card. Since then I have been trying to make monthly payments on my card however there is always an issue. They continue to report me to the credit bureaus however I still not have received one document or notice in the mail regarding late payments, date payment is due. They have not contacted me. The only documents I received from TArget TD was use your card or we will close your account and we are unable to contact you via email, here is paper correspondence I tried calling XXXX XXXX and the last time I got to speak to someone is I apologize that our system didnt take the payment when it should have. We dont contact the credit bureaus when there are errors made in our behalf since the threatening letter to use my card, this account has always given me a problem and every month TARGET continues to charge me fees and reporting me to credit bureau XXXX This card is {$1000.00} card not {$10000.00}. Furthermore they reported me again this month XXXX and XXXX for non payment. I can not get in my account because they want me to verify my card and the card I have is not allowing me to sign into my account to make payments. They shut my card down failed to send me a new card or contact me in writing or verbally to let me know whats going on. I got notified my the credit agency. I cant get a supervisor on the phone, usually its an individual with no clue. I need a new card to be sent with a tracking number, so I can get a card to log in and start making my payments. I dont believe I requested. New card or to have my card turned off. I had a score of XXXX now its at XXXX because of targets {$1000.00} credit. This cant be legal.
|
| 06/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have been receiving notices from XXXX XXXX and TD XXXX XXXX XXXX that I was behind on payments to my account since XXXX or XXXX of XXXX. Knowing that I never opened a card or account with XXXX XXXX XXXX, or TD XXXX XXXX XXXX I was throwing the notices away thinking they were some sort of scam tactic to try to get my personal and/or financial information. On the third notice, I decided to investigate. I accessed my bank 's tools and I was able to access my credit report. My credit score had dipped XXXX points since XXXX! My credit score was very high ( XXXX 's ) and now it's in the XXXX 's! I looked at what accounts I had open, and sure enough, it said I had an account open with XXXX XXXX since XX/XX/XXXX. It showed as a revolving account of {$76.00} a month and all payments were made up until XX/XX/XXXX!
On XX/XX/XXXX, I called XXXX XXXX to inquire, but it was a Saturday, so they gave me several numbers to call during the weekday.
XXXX Customer Support : XXXXXXXX XXXX XXXX Fraud Department : XXXX XXXX XXXX Federal Trade Commission XXXX I called XXXX Customer support on XX/XX/XXXX to inquire if there was an account open associated with my name, phone number, or any of my email accounts. There was nothing. They suggested I reach out to the XXXX XXXX Fraud Department.
On XX/XX/XXXX, I called XXXX XXXX Fraud Department and they directed me to go to www.myonlineaccount.net to dispute the account. They also made a note of it on my " account '' so my complaint could be attached to the account. I did so, but have not heard anything back yet. They also suggested I call the Credit Bureau and Federal Trade Commission at the numbers shown above.
On XX/XX/XXXX I called the FTC and it mentioned a website to enter my information/complaint and because of the nature of the complaint I was directed to submit a complaint with the CFPB.
|
| 08/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I am opening a business and I purchased some furniture form XXXX XXXX on XX/XX/XXXX had a company that advertises new furniture. The company never delivered the furniture and I filed for a dispute with my bank for the charges and they provided a provisional credit for the transaction for {$1700.00}. I had a total of three transactions on XX/XX/2020 from Mr. XXXX XXXX advertised a company online for cooling caps and products I purchased a {$180.00} worth of caps and never received them and XXXX XXXX XXXX XXXX XXXX for {$190.00} and I never received the merchandise as well that I paid for. TD Bank provided me with provisional credits and came back and took the money out of my account. I had filed a police report submitted it along with the documents to show proof that I never received anything from these companies that falsely advertise. I also requested for my claim to be reopened and they still denied my claim after receiving the information and police report. TD Bank did not protect me as a consumer or my funds. I asked them to send me proof of what the customer sent them to say that I received the merchandise or a shipping receipt someone hung up on me. I never got a report showing proof that I received anything and how did they come up with the conclusion that I got any merchandise or items from these people. It has been a battle with TD Bank and they do not work in the best interest of their customers. If a customer do not receive what they paid you have the right to file a dispute which I did. This has resulted in them taking my paycheck out of my account as well and causing a hardship in my finances. The bank is suppose to protect your funds not allow people to steal them and walk away with them. TD professionalism and they way that I have been treated is wrong they made me feel as if I was the criminal and not the victim.
|
| 02/19/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to XXXX XXXX in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act, Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.
|
| 12/01/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
This formal complaint is against Nordstrom Credit Card. I have never ever been late on this Nordstrom account.
Between XXXX and XXXX XXXX, I specifically visited and purchased numerous items from Nordstrom XXXX in XXXX, Texas where I reside. I was specifically going out of the country for 3 weeks and specifically asked an Assistant Manager by the name of XXXX, in person at the cashier stop if returning items where sufficient to meet the minimum payment due. Her exact response to my face was " yes, it XXXX take XXXX hours to process the refund. '' The amount of the refund was MUCH GREATER than the minimum payment due for XXXX payment, thus I comfortably left the Nordstrom XXXX store with return receipt in hand knowing a much greater minimum payment in a form of a credit due to returns would be applied to the card.
Since this date, Nordstrom has violated the Fair Credit Reporting Act XXXX FCRA XXXX for erroneously reporting negative information directly due to their employee telling me facts which were wrong.
They should see the history of the entire account since inception and see I am an exceptional customer, continuously purchase from Nordstrom and Nordstrom XXXX for years and absolutely ALWAYS pay on time for years.
I have retained counsel and before we file a lawsuit, my lawyer suggested a complaint be sent to the Consumer Finance Protection Bureau, the Attorney General Office here in Texas and also the FTC. As of XXXX, XXXX XXXX, XXXX, all 3 complaints have been submitted.
I am giving Nordstrom until XXXX XXXX, XXXX to completely remove the late payment from my Credit Reports due to their employee error and so they immediately stop violating the FCRA and causing willful damage and costing my much higher rates now and in the future with other creditors '.
Thanks for your time.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 02/23/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XXXX # XXXX for an order of 2 XXXX watches was delivered to XXXX, NH, associated with XXXX # XXXX.
12/6/21-Received email from the receiver that both XXXX watches were missing from the box delivered. This is shown in attachments XXXX, and XXXX. The empty box is pictured in XXXX.
XX/XX/XXXX-Called XXXX and attempted to get a refund after explaining the situation.
XX/XX/XXXX-After the refund was declined from XXXX, I filed a dispute with XXXX XXXX XXXX, explaining the reason for dispute being that the product was not received. I realize that the package was delivered, but the contents I had paid for were missing.
XXXX-Received a letter dated XX/XX/ ( shown attached in XX/XX/XXXX ), stating that the dispute was closed, and that they disagree with my claim ( which they clearly have no understanding of ). As a starter, they state that the order was shipped to an address in XXXX and was signed for. That's incorrect per the tracking details attached ( XXXX and XXXX ) which show that it was delivered to XXXX, NH. Although this is irrelevant in a sense because the problem was the XXXX watches were missing from the box, it shows the unwillingness of XXXX XXXX XXXX to investigate critically in the matter, and the overlooking of blatant details in the dispute.
They state that the order was placed via my email address. That is correct but has no relevancy here as the charges were authorized my myself ; the goods were simply missing from the delivered package.
Based on their reasoning, it's fair to assume that they believe that the reason for dispute is that I am claiming that the charge was unauthorized. That is not the case, and I never said anything of the sort. The XXXX watches were missing from the delivered box. Under the Fair Credit Billing Act, consumers are not liable for merchandise they ordered but never received.
|
| 09/01/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
To Whom It May Concern, This letter is a letter of complaint against XXXX and my credit card company, VISA.
I have contested the following charges against appearing on my credit card.
I did not authorize nor do I recognize the charges.
These charges are being billed to me wrongfully.
{$51.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$39.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$49.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$100.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$49.00} XXXX XX/XX/2020 {$49.00} XXXX XX/XX/2020 I initially put in a call to TD Bank VISA card services.
They informed me to contact XXXX to help resolve.
I did so on XX/XX/2020 and was given a case # XXXX XXXX XXXX XXXX by XXXX. They claimed that they were unable to assist and directed me to the game app developers. The game app developers in turn directed me back to XXXX saying that XXXX had to be the one to assist.
On XX/XX/2020, the case was reopened by XXXX. A new case # was assigned, # XXXX XXXX XXXX XXXX. Again, they returned with an answer that they were unable to do anything.
I then, on XX/XX/2020, opened a dispute with TD Bank VISA card services, VISA. Case # XXXX XXXX XXXX XXXX was assigned.
I was informed on XX/XX/2020 by VISA, TD Card Services, that information was requested by the merchant to substantiate these charges/ They informed me that the documents provided by the merchant supports the merchants position that the services were rendered. They did not provide me with any of that information.
Again, I deny these charges and wish to be shown proof of these which they have failed to do so.
I was directed to your offices to help as I am at my wits end. Please help.
I have copies of all dated documents for your reference.
|
| 10/24/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
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Hello, I am filing this complaint in regards to TD Bank not honoring their promotion. I found this promotion on their website and it stated that if I opened a new checking account online and received direct deposits of {$500.00} or more over the first 60 days I would be credited {$150.00} after 90 days. I met those requirements and I have n't been credited the bonus. In late XXXX I went to a branch and the banker told me I did meet the requirements but bonuses are usually paid out after 96 days. I waited two weeks and there still was n't anything, so I called their customer service line on XXXX/XXXX/17. Again I was told by the TD Bank customer service rep that I met the requirennts and he 's not sure why I was n't credited the bonus. He said he would email the promotions department and get back to me. He returned my call and told me that this promotion was for existing customers not new ones. I have a picture of the promotion and it clearly states " New Customers ''. Since then I have called the customer service line 4 more times XXXX on XXXX, XXXX, XXXX, & XXXX ). They all said the same thing, that I met the requirements and they are n't sure why I have n't received the bonus. On XXXX I visited a local branch and the banker there told me the same thing as the others. On XXXX I followed up with her and she told me the promotions department emailed her stating I did n't click the right link but there was only one link to click. On XXXX I was told the promotion was n't active during the period I signed up but the promotion was available on their website. I have been told by 6 customer service reps that I have met the requirements and I should have received the bonus yet their promotions department has comeback with 3 different excuses as to why they wo n't credit me the bonus. I look forward to hearing back from you. Thank you
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| 07/25/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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on saturday XXXX XXXX 2017 i deposited my tenants TD bank account check for {$7700.00} into my TD bank checking account. on sunday it said the funds were pending. on monday it said the funds were pending. on tuesday morning the funds cleared and were deposited into my account. i needed to write checks out so to be sure i called the banks customer service line and they said the funds were from a TD account to a TD account and they were in there go ahead and write your checks. i then proceeded to write out checks and send them out. that night i went into my account to transfer funds and noticed my account was in the negative. i called customer service and they apologized and said i should go to speak to the bank. i went the next morning and they were sorry but said they should have never said to write my checks.i said the funds were cleared to my account that i should n't be responsible, they should. I feel they should be going after the person who wrote the check since she is a TD bank customer and it was a TD bank account and they cleared the money. This is n't a small amount I can make good on. Why should I have to make good on the monies and go after her when they told me the funds were OK to write checks on and use and I have proof the funds were cleared in my account. even in the overdraft letter they sent me it states the funds are usually available the next business day unless an extended hold is placed and that the deposits show as pending until the funds are fully available for use. another customer service rep called me wednesday to apologize and say they will use my case in training. i told them they should be going after their client since they cleared the funds not me and it was n't right i should have to scramble to make good on the checks i wrote. they said they would credit my account for the trouble {$50.00}.
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| 05/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I took out a 30-year mortgage with XXXX XXXX in XX/XX/XXXX. I paid all payments in full + {$400.00} toward the principal through XX/XX/XXXX. My mortgage was sold to TD Bank on XX/XX/XXXX, at which point I immediately paid my first payment to TD Bank ( again, full payment + {$400.00} toward principal ). My XXXX loan statement said I did not owe anything for the month of XXXX because the funds I'd been putting in escrow toward taxes would cover XXXX ( I ended up paying my taxes out of pocket, so they were effectively reimbursing me ).
Here 's where things have gone awry.
Halfway through XXXX, I got a note from TD bank saying i was >15 days overdue on my XXXX payment. Reason being : a previous payment had been reversed. The request to " reverse '' that previous loan payment came from another loan agency that *was not* XXXX XXXX - the organization from whom I originally received the loan. I called TD Bank *immediately* to learn more, and they told me they had to enter a request to their investigations team because they don't know what's going on.To be safe, I immediately made a payment. I also made my XXXX payment on XX/XX/XXXX. I have called TD Bank 3 times, and they have confirmed these payments were received, and I am no longer past due.
All the while, I continue to receive weekly letters from TD Bank saying they're threatening to report me to the credit bureau and that this could result in foreclosure. No one at TD Bank will send me a written document to say that I have been incredibly proactive in working to resolve this issue. Additionally, no one from TD Bank has reached out with a status update, though I continue to ask them to do this. I call once per week, and they still have no update ( after 3 weeks! ).
I am entering this complaint to document the steps I have taken and the lack of action on TD Bank 's part.
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| 07/18/2017 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am the power of attorney for my mother, who has XXXX XXXX . I opened a bank account with TD Bank which contains only her social security benefits and pension benefits, which are exempt from collection under state and federal law. My mother and I have the same last name, but different first names. I opened the account as the power of attorney, but the bank incorrectly placed my name on the account as a joint account holder.
A debt collection law firm served the bank with a restraining notice based on a judgment someone obtained against me in small claims court. I returned the exemption forms to TD Bank and to the law firm. I returned them within approximately two weeks of receiving them. The letter accompanying the exemption forms was dated XX/XX/XXXX , but I did not receive it until XXXX . There was no post mark on the envelope. I consulted with a lawyer and returned the exemption forms within a few weeks of receiving them, indicating that the only money in the account was my mother 's money, so the account should not have been restrained, since she was not the judgment debtor. The Bank never responded. When my lawyer and I called the bank to follow up, they said they would not release the account because the exemption form was sent back more than 20 days after they mailed it. They admitted that they do not have any records relating to the mailing date and asked me the date of the postmark. I explained there was no postmark, just a preprinted mark stating that TD Bank paid the postage. They refused to release the account, even though they had notice that the judgment applies to me, not my mother, and the only money in the account belongs to my mother. They also refuse to correct their error in putting my name on the account as a joint account holder rather than as the power of attorney until the restraint is lifted.
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| 10/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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Web |
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On Thursday, XX/XX/2022, I opened a TD Beyond Checking and TD Savings account in branch at XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, as I received a mail offer with bonuses for account opening and fulfilling a variety of criteria. The criteria for the savings account was to deposit {$10000.00} in the account within 20 days of account opening and maintain the balance for 90 days.
Naturally, I linked my other external accounts to the TD accounts for transfers ( some of my accounts were older, so it would be good to concentrate my funds in a more central account ). I made a variety of transfers in the first week or so my account was open to work toward the {$10000.00} balance. Along the way, I made an internal transfer of {$6000.00} ( most of the available balance indicated in my online banking ) from the TD Checking to the TD Savings account ( as some of my external accounts could not connect to the savings account, so I deposited to the checking account first ).
On XX/XX/XXXX, I found that a deposit from one external account was rejected with no explanation ( I already verified with trial deposits ). On XX/XX/XXXX, I was locked out of the external transfer feature altogether. On XX/XX/XXXX, I was locked out of my account with no access to my funds. Then, two deposits were returned to the original accounts, and deposits from two others were frozen and removed from my available balance, leading to the {$6000.00} internal transfer mentioned above somehow causing an internal overdraft with a fee.
Throughout the week, I have called TD customer support, and they have been exceedingly unhelpful, unable to restore access to my bank account or give me access to my funds. I then went into the branch on Thursday, XX/XX/XXXX, and they were unable to restore access as well, though they did take in the request to review the account.
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| 10/04/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
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|
Web |
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XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX FL XXXX Attn Billing Inquire Account No : XXXXXXXX TD Bank USA. N.A., c/o Target Card Services XXXX XXXX XXXX XXXX MN XXXX Statement XX/XX/2022 and unpaid previous Balance of XXXX and XXXX late fee.
I really forgot to paid so I called Target customer service and agree to pay over the phone and they will credit the account the XXXX dollars Late fee and that would have been the end of it.
My account was not credited and the account remain with a balance that I did not paid waiting for a credit instead the company ( Target ) issue yet another Late fee on XX/XX/2022 Statement for XXXX plus the XXXX late fee from prior statement not credited leaving a balance on XXXX on late fee ( not consumption of any good or service ).
XX/XX/2022, I sent the first letter requesting a correction since all this commence with their mistake and not given the credit, they promise on XXXX. XXXX XXXX get a letter with a credit of XXXX dollar showing a balance of XXXX dollars. XXXX XXXX another letter XXXX.
XX/XX/2022 statements showing credit I never saw and more fees and a XXXX balance XX/XX/2022 a letter that my claim was been review.
XX/XX/2022 Statement with a balance of XXXX dollars XX/XX/2022 Statement also balance XXXX dollars XX/XX/2022, I sent second letter And the final response from the company was a letter from Target dated XX/XX/2022 in which they inform me that they disagree and that all the charges XXXX plus XXXX + XXXX + XXXX + XXXX + XXXX as well as all applicable fees will remain Last but not least just receive XXXX statement XXXX XXXX with yet another late fee of XXXX + XXXX interest for a total of XXXX Dollars.
The card was sent back and cancel and no use and no charges has been made since XX/XX/2022.
In hope that this a better outcome Thank you XXXX
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| 10/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
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|
Web |
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On XXXX/XXXX/2019 I signed a retail installment contract to finance a new XXXX XXXX XXXX ( Amount financed XXXX - 3.99 % APR - 72 months ) through TD Auto Finance. The deal structure contained a trade with XXXX negative equity for a vehicle my wife and I have financed through XXXX, I left the dealership without taking delivery of the vehicle and with the paperwork to have my wife sign the title to the XXXX over and go through with the deal. My wife refused to sign the paperwork, so I called the dealer to ask if they could flat cancel the deal prior to funding the deal with the bank on XXXX/XXXX/2019.
On XXXX/XXXX/2019, I spoke to the general manager of the dealership and was notified the deal was flat canceled and the payment ( check ) to XXXX XXXX for the trade was canceled as well.I received a statement from TD Bank on XXXX/XXXX/2019 notifying me that my payment was due on XXXX/XXXX/2019. I called TD Auto Finance and was routed to their dealer management department which I provided my complaint that this was supposed to be flat cancelled and I don't actually have the vehicle they're asking me to pay for. TD Auto Financed informed me that they work with a network of dealers, will have to talk to the dealer, and that they don't have responsibility to monitor whether every deal is credible because they're essentially just buying the contract the dealer executed. I've talked to the dealer multiple times between XX/XX/XXXX and XXXX/XXXX/2019 and have been told that the bank should have flat canceled the deal, we did flat cancel the deal and we will call the bank and straighten it out. I have also talked to TD Auto Finance multiple times and they've told me that the dealer wants to work with me to a resolution, and that this isn't their problem, they'll hit my credit if I don't make my payment within 30 days of the due date.
|
| 02/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Older American |
|
I was looking over my emails when I noted a message from TD bank that informed me that my account was ready for my first deposit. The account had been opened yesterday, XX/XX/2023 using my email of XXXX. I had not opened a new banking accounts and did not use my email and evidently the account was opened using my social security number. There had been no deposit as of this morning XX/XX/2023. I called TD bank as soon as I saw the bank notifying me that my account ( per-se ) was ready for my deposit. I had not known of this bank or its name until today. TD banking has closed the account opened in my name and my social security number. The account was immediately closed and I was informed by TD bank that my identity had been stolen. The bank has sent a notice to their customer fraud account. I was informed that I would receive a letter in the mail giving me information as to the fraud and that TD bank does an investigation as well as reporting this to consumer crediting monitoring that the bank has for such instances. I was directed to file a report with the FTC that lead me to this site to report stolen identity. TD banking has given me a year of free credit monitoring but also recommended that I purchase an account elsewhere for credit monitoring as TD bank took a few weeks to start. I notified my husband of this occurrence. If needed I have the last four numbers of the checking account whereas I had my identity stolen. The TD banking was helpful and informative. I was also was told that it would be a good idea to close my aol account to further more protection. I never give out my social security number or show the card to anyone except the IRS or if I am at the SOCIAL Security office so I am at a loss to understand how this can happen but TD bank said there are more than 10,000 identities per month in the United States.
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| 12/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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|
For months I been contacting XXXX to removed derrogaroty remarks out of my credit report. I own Target credit card with TDBank for XXXX years or more, before covid started I put myself behind, NEVER in XXXX years late, with a total line of credit of {$8000.00} never used.
My Dad got XXXX anf priorities shifted, I still called them and I was unemployed in XXXX for XXXX months and I keep them informed. In XX/XX/XXXX I resolved this debt in a settlement of {$900.00} with XXXX the cpllction company target used to collect, they pulled the wrong amount due to being made over the phone with a debit card ( never again ), they pulled {$1200.00} so the bank reimburse me for {$330.00}. I called them in XXXX I told them I needed to be reported diferent in my credit since I have already paid, they advise me to talk to Target that they do not do any reporting. Is been a a totally struggle and right now this account is preventing me to refinance my home. In XXXX XXXX I sent letters to TDBank , the XXXX credit bureau XXXX to XXXX XXXX after hearing the shoking news that my account have not been paid, this letters included copies of bank statement, letter of settlement and they still doing nothing about it. I also faxed the probe to them and e mail the satements This is unfair dealing I had paid this account in the settlement they agreeded upon which was {$900.00}. I need them to fixed I called the Law firm XXXX XXXX and a lady by the name of XXXX XXXX said that they been handling my case as a complaint not as a dispute and that allow them to revised ONE more time the documents I Sent XX/XX/XXXX to her e mail at XXXX and give them 5 days to call back for the status.
XXXX of XXXX showed amount pulled by XXXXTarget XXXX XXXX XXXX on XX/XX/XXXX transaction XXXX of XXXX showed amount of {$330.00} a provisional credit from transaction XXXX.
|
| 07/26/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
I fell behind on my payments on my Target Store Card. I contacted Target and was told that my account could be " rehabilitated '' via a " program '' that would credit back all late/over the limit fees once the program was complete. I agreed to allow Target to debit payments from my checking account towards this agreement at which point the Customer Service Representative explained that remembering the payments and terms of the new agreement were consumer responsibility. She further stated that late/over the limit fees would continue to accrue until the completion of this program. I made many payments towards this account and noticed neither a decrease in balance nor reversal of accrues fees. I contacted Target Customer Service and spoke to a Representative who had no idea about my account being in any program and in fact stated that the account was now in collections. The representative stated that he was unable to discuss any information on my account and informed me to contact the collection agency. Ultimately, Target representatives claim no knowledge of this program nor any of the terms accompanying same. Target is also unable or unwilling to provide any documentation despite collecting numerous payments towards the completion of this program. It is my belief that this account was charged off outside of the Federal Regulations. The payment history on the account indicates that the account was not charged off until several month after the last noted payment. This is due to the payments I was making under this " program. '' Charged off Accounts are to be charged off after 180 days, yet Target did not charge this account off until several months beyond this 180 day benchmark. To that end, Target continued to accept payments towards this account rehab program and failed to account for same when charging the account off.
|
| 06/10/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
To whom it may concern, I have been facing hardship for over the last two months due to fraudulent charges that were made using my TD bank Visa debit card, wiping my checking account clean. Fraudulent charges were made on my checking account totaling in {$2800.00}.
The transactions were wire transfers using the company " XXXX XXXX ''. The transactions were {$300.00} on XX/XX/XXXX, {$990.00} and {$610.00} on XX/XX/XXXX, {$130.00}, {$94.00}, {$500.00} on XX/XX/XXXX. There was one more transaction for {$200.00} made on XX/XX/XXXX. This account was mostly used to make deposits in order to save up for housing and a vehicle. TD bank has not helped at all and I have not been able to speak with their fraud department. They have not done any investigating and basically told me to deal with the merchant myself. I have called the merchant and they have horrible customer service and have been no help.I have filed police reports and spoke to several supervisors with no resolution.
I have never heard of the company XXXX XXXX until I became a victim of fraud. I have never sent anyone a wire transfer in my entire life and these transactions can be proven as fraudulent, but TD bank has failed to do a proper investigation. Representatives at boss revolution have told me that there were phone calls made using my identity as well as an ID that was required when making these transactions. I would like a proper investigation to prove to TD bank that these transactions were fraudulent so that I can get my life back to normal. I worked very hard to save that amount to have it stolen and my bank has been absolutely no help. I have not been able to speak to anyone and they have done a terrible job at assisting me. I have never had such an experience with any company in my life.
Please reach me at XXXX or my email XXXX Best regards, XXXX XXXX
|
| 10/20/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
my vehicle was repossessed by TD auto finance. I was behind granted due to some financial issues. I had tried previously to speak with reps about a deferment and said I could n't have one nor do a repayment plan. after they picked up my car I asked if I could just pay what was past due and hold off on the late charges. one rep stated that I could n't so I asked to speak with the manager she gave me a supervisor. he said no as well. I called the next day to try again. I spoke with a girl name XXXX and she did try but said no one was there for me to speak with. I called back and got the same rep back from the previous day she said no and would n't allow me to speak with a manager. I asked for the manager name and she told me they do n't give out that information. she hung up on me. then I spoke with another guy named XXXX I asked to speak with a supervisor again. he said that I had already spoke with one and the answer is no. I asked him why was up raising his voice. he stated to me that I was lying on people and he said he was going to hang up so he did. I was treated very unfair by them. then after I had to beg people for the money to pick it up I had to pay addiontional fee on top of the money I had already paid td auto finance to get it back. after I paid td I had to call hide and seek recovery not know I had to make an appointment with them to get my car. they did n't want to release it. they wanted me to wait an additional day on top of what I had paid to be charged more money. I adv the lady I spoke with that I had no other way to come back to XXXX, texas if I did n't have a car. they finally gave it to me. I did n't appreciate how td auto finance handled their end. just because a person is down on their luck does n't give you the right to be rude. also they would n't provide me with any docs showing what I paid
|
| 12/01/2015 |
Yes |
|
|
|
Web |
Older American |
|
I had set up an electronic payment for my target credit card bill. Target never submitted the payment to my bank. They sent me a notice that the account or routing number I had entered was incorrect or that the account did not exist. The account did exist and was in good standing. I contacted target in response to their letter saying that they could n't process the online payment. The representative I spoke to was unable to take my account or routing number and gave me XXXX pieces of misinformation ( documented in my letter to target attached here with ) I subsequently spoke to XXXX other representatives XXXX of whom said she was documenting my complaint. She failed to inform me that if I had a complaint it needed to be submitted in writing. I closed my account having paid for all merchandise. I did not pay the {$25.00} fee. I submitted a complaint in writing which was rejected saying that Target could not have prevented the error.
I have never encountered an online payment system that would accept a incorrect routing or account number. If target system does accept incorrect numbers, it seems that it would be creating problems for many customers besides myself. It is difficult to enter XXXX numbers without occasionally making an error. Every other system that I have worked with has immediately rejected the information if there was an numerical error. Since Target closed my dispute they have been billing A late payment fee every month and some months they have also charged me interest. They also sent my account for collection and when I wrote to the collection agency to document the dispute I started receiving phone calls from another collection agency. Meanwhile my closed account was in XXXX billed at {$230.00} with a {$35.00} increase each month.
There seems to be no way to stop the continued accumulation of fees.
|
| 12/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
Request for Equal Credit Opportunity Act Compliance and Account Update Dear Underwriters, I am writing to bring to your attention certain provisions within the Purchase and Sale Agreement dated XXXX XXXX XXXX between Nordstrom , Inc., Nordstrom Credit , Inc., Nordstrom XXXX, and TD Bank USA, N.A. As an individual with a credit account at Nordstrom, I am particularly concerned about the impact of the agreement on my credit extension. I applied and received a denial notice on XXXX XXXX XXXX which is evidence of discrimination per the Equal Credit Opportunity Act.
Your agreement defines " Acquired Assets '' to include all rights, titles, and interest in Credit Card Applications, which implies the inclusion of my credit application as part of the assets acquired. Additionally, the assumed liabilities encompass obligations to perform under Credit Card Agreements, including payments and credits, acknowledging TD Bank USA, N.A. 's role as a guarantor.
I want to draw your attention to potential concerns under the Equal Credit Opportunity Act ( ECOA ). Section 12 CFR Part 1002 ( a ) of the ECOA explicitly states that a creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction.
Considering this, any denial of access to my credit extension with Nordstrom based on the acquisition of assets would be tantamount to discrimination under the ECOA. I request strict compliance with the ECOA and fair treatment in granting access to my extension of credit.
Furthermore, I formally request, in consideration of the acquired asset for which value has been provided, access to my credit extension with Nordstrom.
I appreciate your immediate attention to this matter and request written confirmation of the actions taken to address these concerns.
Sincerely, XXXX XXXX XXXX
|
| 07/09/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
Bank involved : TD Bank Description of Issue ( s ) : On or about XXXX XXXX, ATM card was frozen allegedly for use at a questionable ATM not of TD Origination. Discussions with TD Personnel unfroze card, but there was no real reason for it.
On XXXX XXXX I get a text from XXXX that my payment is late. I had already set up their payment for on or about XXXX XXXX. This made no sense. I tried to log into my account on line several times but was unable to login.
I then called TD Bank about XXXX XXXX. after a whole crazy process, I spoke to a person who was pretty clueless at which point I got XXXX and he hung up on me.
I called back and had to go through the entire process again. Was connected to their fraud people and verified the bills they questioned ( which I had paid many times before ) and they were supposed to have been unfreezing my account. I waited the 2+ hours and called back since I was still unable to login.
So the upshot is all my setup payments are now late which will ding my credit score and wallet.
I again went through the lengthy process and was told the account was unfrozen and " they were working on it ''. I asked what that meant. They were unable to tell me what that meant. I asked to be put through to a supervisor to file a complaint about their XXXX fraud people unilaterally disrupting bill paying to parties that have been paid many times by me. I was then transferred into a hold cue ... .I hung up after waiting a few minutes.
I tried to log into my account about 2 hrs later, it still wouldn't let me log in. I called back but the wait was over 10 minutes.
For a bank that states they are the worlds most convenient bank I would say they are the worlds most Inconvenient bank. I would just say their " fraud team '' is incompetent and current customers should run very fast in another direction.
|
| 11/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I am the a XXXX for a nonprofit Florida XXXX named XXXX XXXX XXXX XXXX XXXX XXXX whose EIN is XXXX. This corporation had a checking account with TD Bank, of which I am a XXXX, that had a balance of {$570.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) since XX/XX/XXXX. The account has had no activity since XX/XX/XXXX. I visited a branch of TD Bank in XXXX, Florida Wednesday, XX/XX/XXXXXXXX to close the account out and donate the balance of the account to another non-profit organization. The tellar pretened to have trouble finding the account because the account, she said had been inactive for so long. She asked me for my social security number and I told her that this is a non-profit organization and I am only a XXXX on the account, and that my social security number would not be associated with the account. She continued to predend that she could not locate the account in her system even though I gave a her a blank business check with the account number on it. I unwittingly relented and finally gave her my social security number to try to help her find the account. After I gave her my social security number she informed me that the account was in closed and had been turned over to TD Banks collection department and that the organization owed {$69.00} ( XXXX XXXX XXXX XXXX XXXX ). The tellar falsely represented her purpose for collecting my social security number with the intent of surrepticiously using it to collect on a debt. Apparently TD Bank had been charging a periodic fee on this account which exhausted the existing balance and overdrafted the acount. TD Bank had a policy of no fees on this account as long as it had a running balance of at least {$500.00} ( XXXX XXXX XXXX XXXX XXXX XXXX ). I never received bank statements in the mail nor did I recieve a notice about the overdraft due to fees on the account.
|
| 05/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
On Monday XX/XX/2023 received inquiry notice letter in mail, notifying me a credit card application process made on XX/XX/2023 was denied from TD bank.
I researched out to the number that was provided from TD bank. Spoke with representative who transfers me to the credit department.
After questioning the inquiry letter and the bank. I reported to the representative I did not apply for no credit card online.
After giving all my information to verify who I was representative noticed someone fraudulent applied for a credit card in my name. I do not bank and never have banked with TD bank or never have I applied for a credit card with TD bank. TD bank ran my credit report according to the denial letter.
Of course I would not apply because I am on a ssa fixed income and know my dept ratio is to high to even attempt to apply for any credit during this time frame.
The online process was made on the date of XX/XX/XXXX according to TD bank representative.
I know exactly what I did that day for the fact I had went to the XXXX for 6 mth cleaning @ XXXX XXXX And again I know I did not apply knowing my dept/ratio income.
Please help me to find and understand how this possibly could have happen, with no ID, no telephone call from an online application to prove my identity.
The fraudulent application had my DOB, SS #, home address.
I dont know if it was the telephone number or the email that showed differently on their end to assure me it was fraud.
But according to TD this is now reported as fraudulent, but this will not fix who has my information, or how they obtained it.
I need to find what source did this and if any other attempts were made, to pursue legal actions.
Thank you, Signed so frustrated right now!
Your site is not allowing me to upload any documents of the notification letter that was sent to myself.
|
| 02/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
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I have bank with the following Banks in XXXX SC XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and TD Bank and now XXXX XXXX. This complaint is about TD Bank and XXXX XXXX XXXX bank both these banks is where XXXX XXXX have worked and possibly XXXX XXXX XXXX where I have had money stolen from and identity. When I started having problems with TD Bank I recognize who she was from other bank her name now is XXXX XXXX XXXX. I told her that I recognize her and we talked for some time in her office. I immediately left and called to speak to someone in a regional office XXXX who never returned phone call after his first intinal call. I told him my account was coming up short for the past couple of months since XXXX XXXX XXXX was there and I would add up everything and call back but he didn't return call. I have had XXXX XXXX dollars stolen from XXXX XXXX XXXX XXXX and XXXX from XXXX XXXX XXXX and TD Bank at least XXXX .I don't know what to do please help me about this situation that is getting worse instead of better I am tired of being bullied by whomever causes me all kinds of problems with bills and identity theft issues. Someone also has a duplicate copy of my XXXX and tried to get money from bank account at TD Bank but XXXX XXXX XXXX recognize person wasn't me I got a police report number and tried to get footage but XXXX said I need to have the exact date and time. I need someone to look at what has happened to me at TD Bank my account I left soon as I recognize XXXX because I started having so many problems and alert coming to my phone day and night I just took the last money I had and went to another bank so person kept trying to get money from ATM at XXXX I would get alerts to my phone person drives a gray car what kind I don't know but XXXX XXXX XXXX at Bank when it happen XXXX XXXX XXXX
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| 05/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hello : Back in the start of 2022, TD Bank sent me letter suggesting that my account was in arrears by at least {$15000.00}. When we looked into it it seemed that the company was not properly processing my payments. Despite some hassle, we agreed that I would make one extra payment to 'top off ' my escrow account to ensure that he escrow wouldn't trigger insufficient funds. On XX/XX/XXXX, I made that payment of {$1600.00}. TD Bank issued a letter to me indicating that my account was fully paid up.
Since then it seems that TD Bank continues to have issues and has been mishandling the monthly payments that I have made and they now claim that my account was now {$22000.00} in arrears. I have spent dozens of hours trying to interact with the bank, making phone calls, speaking with agents. I have written at least two letters/emails to them- and I have yet to get a sufficient resolution to this problem. I am seriously fearing that the bank will attempt to take my house from me despite the fact that I made all payments on time. I will submit to you a proof of payments being issued by my account, and an accounting provided by TD Bank of all of my payments.
To add insult to injury, my credit score has been adversely effected by these inappropriate actions by TD Bank- and it now indicates that I have missed multiple payments to my mortgages. All of this is completely erroneous and I am unable to get new credit issued to me due to these faulty reports of misconduct on my behalf.
On my last calls with the bank on XX/XX/2022, I was informed that their analysis suggested that I was still behind on my payments - when it's clear to me that ( A ) i have issued all payments through my bank and ( B ) their math on the Payment Analysis that they performed was erroneous.
I am turning to the CFPB as a last resort- please help!
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| 02/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I talked to a Mortgage Specialist from TD BANK on XX/XX/2020 and filled my application the following day.
During the 1st call with the Mortgage Specialist, I decided to keep the rate floating as I decided to wait for few days to think about it.
The reference rate was 2.75 % with a {$1200.00} points credit.
I finalized the application very quickly and uploaded all the required documents to not lose any time during the process.
On XX/XX/2020, I decided to lock-in the rate, but I was not able to reach the Mortgage Specialist.
As stated above, between the dates XX/XX/2020 to circa XX/XX/2020, I made several calls ( left voicemails as the Mortgage Specialist was never answering the phone ) and sent emails to lock the rate.
When I finally got an answer from the Mortgage Specialist, I was told that the rate went up from 2.75 % to 2.875 % with points costs.
I explained that I sent many emails to get a callback and left many voicemails but I was told that he never received my emails.
I decided to escalate my complaint to the supervisor, it took few days to finally get a negative answer to have the rate locked to the initial rate of 2.75 %.
During these 2-3 weeks or so, I was very stressed as every time I was begging to have the rate locked, the lender was telling me that the cost ( of pints ) was increasing. All this stress in addition to the difficulties brought by the pandemic had a very bad on my mental health.
I was very disappointed that TD Bank 's only excuses explaining the lack of responsiveness to my several attempts to lock the rate was " technical issues and emails not received ''.
I am filing this complaint now, several months after the closing, as I needed to have a smooth closing.
I have copies of all the emails exchanged between the Mortgage specialist, the different supervisors, and myself.
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| 09/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American |
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To : TD BANK USA, N.A. ( Target ) and TD BANK , N.A . I write to advise you that I plan to file a lawsuit against you in the United States District Court XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
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| 08/06/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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I had to file bankruptcy XX/XX/2011 due to my partner stealing money from our company. That caused me to have to put my home into the bankruptcy as it was collateralize for a business loan. On or about XX/XX/2015 , I hired the XXXX XXXX XXXX XXXX XXXX , XXXX , to represent me. During the bankruptcy, we were able to talk to the bank ( TD Bank) and reaffirmed the loan and started a loan modification . XXXX XXXX office assigned me a foreclosure attorney XXXX XXXX, to help me . I signed the loan modification XX/XX/2015 , under duress of a short notice to accept the bank offer for a loan modification. I was and in fear that i would lose my home. I made the payments on the loan modification as agreed from XX/XX/2015 to XX/XX/2017 . During the that time i paid the home insurance until XX/XX/2017, until we were told that the bank had paid it , in XX/XX/2017TD bank began returning my payments to me saying i was in foreclosure . Upon investigation i found out that they accelerated my back due monies, that were suppose to be a balloon payment at the end of my loan modification, had sent me statements to pay thousands of dollars to avid foreclosure. I called and documented every step telling them that they violated the loan modification and i was paying as agreed. Every attempt to reach someone to discuss it was refused. I then received a foreclosure notice XX/XX/2019 . I have documented and attached everything. I am have been subject to extreme stress and financial expense. The bank has violated may laws and our agreement and i need help. I have hired additional attorneys and had to borrow money in fear of again losing my home to TD Bank. I believe they purposefully defrauded me, mislead and confused me in order to falsely put me into bankruptcy to obtain my home. I need help bringing them to justice.
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| 06/15/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/ 2022 at XXXX, I recieved an email invoice ( number XXXX ) from XXXX XXXX XXXX XXXX XXXX, reflecting {$2000.00} for XXXX car parts. I then checked my TD Bank account through the app and saw that there was a " pending '' charge of {$2000.00} against my account. I immediately called the TD Bank customer service line to report this transaction as fraud. At that time, I had my debit card in my possession. Incidentally, I reside in XXXX, Pennsylvania, and XXXX XXXX XXXX lists their address as being in XXXX, Georgia.
TD Bank advised that they filed the claim and they would investigate it. I was advised that within 3-5 business days, the {$2000.00} would be credited back to my account. I was also advised that they would be conducting a complete investigation to confirm that I was not the one who made or authorized that debit. I offered to send any documentation that they might need and was told that they would let me know if they wanted the documents from me.
I received the credit within 3 days. I then received a call to confirm that I received the amount, the claim was filed, and they were investigating it. I again offered to send any documentation that they might need and was told that they would let me know if they wanted the documents from me.
On XXXX XXXX, 2022, when checking my balance on the app, I noticed that {$2000.00} credit was reversed on XX/XX/2022. I called customer service again and I spoke with a supervisor ( XXXX ) and was advised that because the claim was filed and denied, there was nothing else they could do. I was told that it was denied because they reached out to " the merchant '' and the merchant provided documentation that I somehow had authorized this transaction. I was told that if I refiled the claim, it would be denied again and that my only option was to go to the police.
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| 04/07/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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TD Bank charged XXXX in overdraft fees fradulently and then printed an altered statement and the the money was refunded as soon as I called corporate at XXXX the number on the receipt paper they gave from the tellers window and on my debit card and asked from the branch in XXXX at the corner of XXXX XXXX and XXXX XXXX roads system be changed by their internal IT people. This made my balance positive XXXX dollars and something including the pending XXXX Lyft charge be included and then I added a XXXX dollar tip making it XXXX dollars available and then they claimed today that a XXXX debit hold from the XXXX hotel I stayed at XX/XX/XXXX that was returned XX/XX/XXXX had just hit the account overnight but that should have made my balance XXXX dollars but they claimed the available balance ( because XXXX was somehow charged from XXXX to XXXX since yesterday is still pending but covered by the XXXX I put in yesterday to make the account positive the XXXX dollars after the fees were refunded ) was XXXX which is impossible to be accurate. Their computer systems need to be inspected because my statements have been altered and I have a receipt for a withdrawal of XXXX from XXXX on their atm that took my XXXX XXXX XXXX XXXX XXXX account down to XXXX and change but their receipt says it made my preloaded unemployment card from Pennsylvania XXXX. I withdrew today XXXX and am about to put back XXXX so the account should be positive XXXX dollars but that is not what my receipts are showing. Can you investigate this please. And their camera surveillance footage because I was lied to and told the balance inquiry fee was XXXX by a woman at one of the desks for account services when my statements and on the phone it was said its XXXX. This statement occurred on XX/XX/XXXX in the morning. I have receipts that document this all.
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| 02/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XXXX XXXX, 2020, I was at home recovering from a bad cold. I received a call from TD Bank at approximately XXXX along with a text with the message : Did you make a purchase at XXXX for {$180.00}? I immediately said NO and then a phone call immediately followed from TD Bank. After identifying myself as the account holder, your fraud specialist concluded that someone was using our account maliciously. They ran off several charges that were being made within a 1.5-hour time slot. TD Bank cancelled the card immediately and determined that neither myself nor my husband was using the card. BTW while your banking person was notifying me of this fraud, my husband was in the car driving from XXXX. At that moment, it was determined that FRAUD had been done.
On XX/XX/XXXX, I received a letter from your Disputes and Claims department stating that after your investigation, you determine that NO FRAUD DID NOT OCCUR. Seriously! We all knew that fraud was occurring, has occurred and yet you sent this ridiculous letter saying there was none.
I took the liberty of forwarding this letter to XXXX XXXX XXXX XXXX, a television program that exposes and helps victims like myself with issues of this nature. They will televise and interview me as well as your bank to get to the bottom of this. I will also forward this to the Consumer Financial Protection Bureau to alert them of this practice. My husband and I work very hard to make ends meet. We sometimes must work more than the normal 8 hours because of how the economy has gotten more expensive to live. The last thing we needed to see is that {$310.00} was removed by some criminal using a card that was lost and now it seems like we are getting the same type of disregard from TD Bank. Shame on you! Ill await your response.
Regards, XXXX XXXX Account Number : XXXX XXXX Mobile
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| 07/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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Web |
Older American |
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During XX/XX/XXXX joint checking accounts held by my ( late ) Father and me were compromised by a home healthcare worker. She fraudulently gained access to the accounts and obtained a debit card while my Father was dependent and suffering from XXXX. XXXX debit card transactions were executed in 20 months valued at {$57.00}, XXXX. No receipts have ever been produced for this activity. In addition, the homecare worker forged my Fathers name to at least 48 checks identified as forged by a nationally recognized handwriting expert.
An account valued at {$270000.00} was overdrawn in 15 months due to debit card conversion and forged checks. Statement delivery to the account owners during this period was prevented by mail interception and password changes to online access. Further, the conservator refused to turn over the bank statements preventing discovery. Fraudulent activity was discovered after statements were subpoenaed in XX/XX/XXXX. Bank was notified in XX/XX/XXXXand has thus far refused to acknowledge any role in enabling the forgery and fraudulent debit card activity.
TD Bank is responsible for granting access to the account to a person with a history of writing bad checks off TD Bank without proper legal documentation. They failed to identify obvious check forgery and failed to notify the account holder when the velocity and amount of transactions exploded. The fraudulent activity was reported soon after it was discovered yet TD Bank has refused to acknowledge their responsibility sighting OCC rules regarding reporting forgery and debit card fraud. Contemporaneous reporting was impossible because of the suppression of the statements by the guilty. Further, the primary account holder was elderly, lived in a dependent state and suffered from XXXX making it impossible to review and report the activity.
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| 10/14/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Can't use card to make purchases
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|
Web |
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I've been trying to contact someone at XXXX XXXX at XXXX XXXX XXXX XXXX for the last 2 days to fix an issue with my account.
At the XXXX checkout page, when I try to purchase a new phone and use my XXXX XXXX account, the system keeps redirecting me to a new credit application page.
I've been on the phone with XXXX at XXXX and they basically said that the issue is with XXXX XXXX, operated by TD Bank. In a recent email exchange, one of the Customer Support from XXXX E-Commerce, I received the following instructions : XXXX XXXX XXXX XXXX XXXX ) XX/XX/2020, XXXX XXXX Hi XXXX, Please make sure that you have linked you XXXX account to your TD Account by going to this linked : XXXX XXXX XXXX XXXX XXXX Also, contact TD by calling XXXX. Check with TD if your address has been updated and then wait after 3 business for the change to reflect on your XXXX account.
Warm regards, XXXX XXXX XXXX Customer Care XXXX I've tried to link my XXXX account to my TD account ( XXXX XXXX XXXX, and got the following message : We could not find your TD application We identified your XXXX Account but did not find a TD Bank application associated with your XXXX Account. Please sign-in with the email address used to create your XXXX XXXX account. If you lost your account, we can help you find it. If the XXXX Account email address and password you used when applying with TD Bank, N.A., for XXXX XXXX is different than your current account, please contact XXXX Customer Care.
SIGN IN WITH DIFFERENT ACCOUNT I've also called XXXX XXXX ( TD Bank ) at the XXXX informed and waited for at least XXXX until the connection dropped.
From TD Bank XXXX XXXX XXXX XXXX my account is in good stand. Here 's a quick snapshot of my account as of XX/XX/2020 : Acc ending in XXXX Available Credit : {$2900.00} Total Current Balance : {$220.00} Thank you.
|
| 02/13/2016 |
Yes |
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|
Web |
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We ( XXXX and XXXX XXXX have a Target Red Card, which we pay off each month, usually paid via auto-pay. Our XXXX/XXXX/XXXX statement ( attached ), disclosed a {$540.00} auto pay due XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, XXXX made a return of {$42.00}, reducing the balance to {$500.00}. I did not trust the auto pay function to only deduct {$500.00} ( I 've had trouble with it before when returns have been made ), so I logged in XXXX, set up a one-time payment of {$500.00} to occur XXXX/XXXX/XXXX, and turned off auto pay ( so I thought ).
On XXXX/XXXX/XXXX, the one-time payment of {$500.00} deducted ( as authorized ), but an auto-payment of {$240.00} ALSO was deducted! This amount was for ALL charges NOT YET BILLED on the statement that did n't drop until XXXX/XXXX/XXXX ( also attached ). In short, Target auto deducted charges which had not yet been billed, thereby denying us a minimum 21 day grace period before the due date. This auto deduction was entirely a surprise, and caused a real pinch in our finances. Thankfully, we had funds to cover it, otherwise an overdraft would have occurred.
All correspondence with Target ( which occurred through their " contact us '' feature on the website ) is attached. They do not understand that they took immediate payment without having first billed us for the purchases, causing us to have no grace period before payment was due! This is in violation of the CCARD Act of XX/XX/XXXX, the the Federal TILA, as well as being an unfair practice under UDAAP.
Even if I erred in turning off the auto payment properly, there is no way it should have deducted charges that had not been billed ( and in fact, had just posted that very same day XXXX/XXXX/XXXX )! Target 's auto pay function caused us harm we could not avoid, and I imagine the same thing has occurred to other consumers too.
|
| 09/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
To : TD BANK USA, N.A. ( Target ) and TD BANK , N.A . I write to advise you that I plan to file a lawsuit against you in the United States XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
|
| 02/11/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
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|
Web |
Older American |
|
On XX/XX/2021 I was in process to buy a new cell phone on XXXX website and chose to finance my purchase by way of monthly payment over 36 months. The site directed me to TD.com for approval. I was asked to call ( XXXX ) XXXX in order to complete the credit application process, which I did. After verifying my information, I was put on hold for a while and then was told that my credit application was denied and I would receive further information by mail.
I paid for the phone in cash using my credit card.
I received a standard letter stating denial of credit and asking me to contact TD Bank for further information within next 30 days, which I have done. by email as follows : Quote I am in receipt of your letter dated XX/XX/2021 denying credit for purchase of XXXX phone. I am highly surprised by it and also extremely disappointed at TDs incompetence in handling of this matter.
In short, I am considered as a high net worth ( can provide the documents for liquid assets of about {$2.00} XXXX ) with excellent credit score over my entire life, never had a single overdue bill in my entire life, NO DEBTS, fully paid up home, no car loans, no consumer loans. I have two credit cards issued over decades ago which have never had outstanding balance and one decades old credit line for overdraft protection which has never been used. I have high income and have been charging between {$7000.00} - {$10000.00} per month on my credit card for decades, which is paid off in full each month.
I do not see any reason for denial of credit based on my financials and would like a detailed explanation to show that such denial was not based on illegal discriminitory practices under the law. I am also filing a complaint to this effect with Consumer Financial Protection Bureau.
I look forward to hearing from you.
XXXX Thank you
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| 08/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
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XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$15.00} maintenance fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft return fee XXXX/19 - {$15.00} maintenance fee XXXX/19 - {$15.00} maintenance fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft return fee XXXX/19 - {$15.00} maintenance fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft return fee XXXX/19 - {$35.00} overdraft return fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft return fee XXXX/19 - {$35.00} overdraft return fee XXXX/19 - {$15.00} maintenance fee As listed from the above transactions, my bank has been charging me fees over and over. Despite my calls and in person meetings to stop allowing overdraft on my account, the bank allows companies to access my account multiple times a month for the same transaction.
The bank doesn't fund the transaction, it simply overdrafts my account to charge me an overdraft fee then returns it to charge me a transaction return fee. To finish it up, it charges me a maintenance fee for my balance being under there threshold. The bank allows companies to access my account at least 3 times a month for the same transaction and continuously keeps me in the whole while profiting from my inability to pay those fees they are laying on me.
This is a shameful behavior that banks need to stop. For someone who studied finance, I know the need of banks and what they can do to enable a prosperous economy. But their current practices to obtain money in any methods possible from the least fortunate is shameful. I hope as we move forward there will be banks that help lift people out of poverty, not dig hole that will fortify the barriers already faced by those folks.
|
| 02/18/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Hello, I recently opened a TD US account via phone. I was given an account number, routing number at the end of the phone call. I provided my address in the US and also my XXXX Address for them to send my " welcome '' packet. When I got home I transferred XXXX usd to that account via external transfers. This was XX/XX/XXXX. The money left my XXXX account and has been in limbo since. I also transferred another XXXX on the XXXX. Neither of these transfers ever hit the account, or were credited as the account was never " activated '' because I did not fill out the signature card as it was sent to my US address.
I 've had numerous bank representatives call the TD us account, I 've called at least 4 times, we 've had TD north sent my signature card to them. I 've been told something different every time I 've called. I even had a bank manager call a supervisor and was assured that she could fax the signature card and the account would be activated and the XXXX would be credited. I placed another call today to TD and taked with a XXXX employee number XXXX in XXXX , Maine , and he now stated that TD US could not accept a Signature card from a XXXX TD b/c I was an American citizen. This is the first time I 've heard that after dealing with this for almost XXXX weeks.
So basically I have XXXX dollars in no mans land, TD wo n't accept it, but wo n't send it back to my XXXX XXXX account. I called XXXX and they 're stating that it could be another 10 days until I receive my funds back. This is XXXX not acceptable.
I need my USD back in my XXXX account ASAP/today. Simply put, not one bank rep knew what they were talking about, and I 'm the one that has to pay the price.
PS this XXXX rep from TD was probably the worst customer service experience I have ever had in my life. I spoke to him at XXXX XXXX/XXXX/2016
|
| 04/23/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
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|
I typically make my monthly payment via my online account using my routing number and my member number.
I made a payment in XXXX using the IVR phone system as my laptop was not working and was being repaired therefore I was not able to make my payment online. When making the payment I used the same routing number and member number to make the payment as I did when paying online.
The payment was returned stating account not found therefore causing a 30 day late pay to be reported to my credit causing my score to drop by 70 points. I was notified of the late pay not by Target but by an alert received from the credit reporting agency as Target did not contact me to inform me of the missed payment. When I contacted Target they state the collection department made several calls ; however I have searched my phone records and voicemails and have no calls or voicemails.
When speaking with Target to figure out why the payment did not clear using the information that I have always used to make a payment they stated that an IVR is ran as an ACH. My issue is that Target is assuming that their customers should know that when paying online its acceptable to use their banking member number and that when paying via their phone system that the bank MAY return the payment if using their member number versus the full XXXX digit account number. If there is a possibility of a payment being returned which could cause a customers credit to be affected then their should be CLEAR communication on both their website and their IVR system stating that the XXXX digit checking number must be used.
Additional concerns are those of Targets Customer Service agents. I was hung up on multiple times, told multiple different things by different agents and overall given a horrible customer experience as their agents are not polite.
|
| 11/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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I have sent in letters asking to verify this debt and I have not received accurate information matching this debt to me. Federal law provides that it is a crime to violate the Rights of a citizen under the color-of-law. You can be arrested for this crime and you can also be held personally liable for civil damages.
Attempting to cause a person to do something by telling that person that such action is required by law, when it is not required by law, may be a felony.
18 USC 242 provides that whoever, under color of any law, statute, ordinance, regulation, or custom, willfully subjects any person in any State, Territory, Commonwealth, Possession, or District to the deprivation of any rights, privileges, or immunities secured or protected by the Constitution or laws of the United States ... shall be fined under this title or imprisoned not more than one year, or both.
18 USC 245 provided that Whoever, whether or not acting under color of law, intimidates or interferes with any person from participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; [ or ] applying for or enjoying employment, or any perquisite thereof, by any agency of the United States ; shall be fined under this title, or imprisoned not more than one year, or both.
42 USC 1983 provides that every person who, under color of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress.
|
| 10/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
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I had an account with TD Card Services that went into default and I was working with XXXX XXXX XXXX XXXX to clear the debit.
On XX/XX/2018 I received the letter in the mail from XXXX XXXX XXXX XXXX that my TD Account ending in XXXX had been settled and my debt was satisfied. I was told by XXXX XXXX that it may take a couple of weeks for TD Bank to report the change to the credit bureaus. Today, XX/XX/2018 I checked my credit report with XXXX and saw that TD Bank is still reporting Charged off on my account, it is still open and still showing that I have made 0 payments. I called TD bank at XXXX and spoke with XXXX operator ID XXXX who refused to let me speak with supervisor and hung up on me.
I then spoke with XXXX XXXX at XXXX XXXX who told me there is nothing he can do about it because they do not do the reporting to the credit bureaus, that I needed to call TD Bank back and speak with a supervisor. I called back and got Supervisor XXXX on the phone, ID XXXX who told me I needed to call Admin Recovery because it had been more than 181 days since the account went into default.
I tried to explain that back on XX/XX/2018 when the account was settled it was not XXXX and this issue, if dealt with in a timely manner, would not now be 181 days out. She said she would have to escalate it to another department but offered me no info on call back but told me I could try and call her back. She stated there probably is not anything I can do. When I brought up the Fair Credit Reporting Act, she became defensive and told me I needed to go and start a dispute with the credit bureaus, which I have already done. This system is broken and it is impossible for an individual to be treated fairly. These agencies talk to you like you are losers because you had some financial trouble and they don't want to help you.
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| 03/09/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XXXX offered a trade-in promotion that would reduce the purchase price of a XXXX XXXX by {$400.00} if I sent in my XXXX XXXX phone in good working condition, free of damages outside of normal wear and tear. In 19 years I have never broken a cell phone, for as long as I've owned a smartphone it's been in a case. I took photographs of my XXXX XXXX phone before I sent it in, but I received notification from XXXX in XXXX that my phone had not met the conditions for " normal wear and tear ''. I reached out to XXXX for clarification, when they were unable to provide it and did not meet their promise to contact me with further details I disputed the fraudulent charge with TD Bank on XX/XX/XXXX. To my surprise, TD Bank did not temporarily credit my account while we worked through the dispute process, nor did I hear from them with questions about the dispute. I contacted them again via their secure messaging service to ensure I'd have a written record on XX/XX/XXXX, asking when I would see a credit on my account for the disputed amount. As with my first contact, they marked it as received and closed the contact. When I did not pay the minimum due ( including the disputed amount ) on XX/XX/XXXX, I was charged a late fee. On XX/XX/XXXX I called TD Bank to attempt to resolve the situation, they offered a one-time concession of reversing the late fee if I paid the past due amount in full, effectively eliminating my ability to dispute the amount.
Around this time I received notification in the mail that XXXX had informed TD Bank that my phone did not meet the trade-in requirements due to housing damage ( please review the attached photographs which clearly show there is no damage ) and that if I had further concerns I would need to work with XXXX directly. TD Bank did NOT provide proof that the charge was valid.
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| 04/15/2021 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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TD bank not giving me my promotional money, I didnt mentioned all points earlier complaints, but this time I would request to answer all my questions, before I taking further legal actions with lawyer.
1. I didnt used company mailer, I used direct link. When opened account at that time there were no mailer conditions. If bank updates late thats not my fault.
2. If I used mailer then I would request bank to provide code that were used to open account. I m sure, I havent 3. If opened account from mailer address then why company sent mailer to my address with some other person name?
4. Here are history of banks promotion offer history, company might have posted rules on XX/XX/2020 but I opened account on XX/XX/2020. 2 days before. Reference https : XXXX XXXX. Once I opened account then I requested to verify my eligibility for promotion by secure email, why bank representative reply, Ill get when its due, I have proof with secure email copy with reply.
6. If I was not eligible then why bank asked me to visit bank and provide photo id? I waited 4 hours in queue, even during covid situations. And provided all documents.
7. If banks would have told me after my first email that you are not qualify then I would have closed account, why hold my $ XXXX?
8. Everytime I called why bank representative, agreed that yes you open online and you have satisfied all requirements. Ill send email to my manager for promotion money.
9. Why promotional department only communicate with only email? Even I visited bank, manager took copy of my documents but didnt call to promotional department and let me wait another month.
10. If TD bank so difficult to work with, why do you guys market, its Americas most convenient bank? No, its not. Horrible experience. I have accounts with many banks but worst to work with TD bank.
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| 04/18/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
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I tried to make a purchase using my account and was told by the retailer that I was on a hold with the bank and they transferred me to the bank. Bank originally said my account was suspended pending review, I asked repeatedly why it was being review without receiving an answer. I asked to be transferred to a supervisor, who then informed me that the account was actually closed. I asked why it was closed and I was told it was fraud. They stated that I had been sent a letter informing me of the fraud, and that it was closed because I hadn't replied to the letter. I was also told that in order to make the purchase, I needed to reapply and open a new account. I then asked to speak with the complaint department, and instead was sent to a different customer service person who reiterated the exact same information. Nobody at any point was able to tell me why it was closed other than " fraud '', and nobody had any more information. I was told that it was handled by a different department. I asked to be transferred to that department, but was told they were unable to transfer there. I then asked if they had a phone number I could call, but they said they did not. There was no way to contact the department that supposedly make the decisions to close accounts. I then was transferred again, this time to the complaint department after requesting to speak to them. They took my information, and I asked why I hadn't received a phone call. They stated that they sent one letter in XXXX, and then closed my account today. ( which I pointed out is very coincidental considering I was trying to use my card today for the first time ) I am complaining because I only had one attempted contact, via mail, which I never received. They then closed my account with no notice, and no other attempts to contact me by phone or email.
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| 01/08/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with additional add-on products or services
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Web |
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I purchased a XXXX XXXX with XXXX XXXX issued by TD Bank , N.A . on XX/XX/XXXX for {$3600.00}. On XX/XX/XXXX, I started having issues with the Treadmill and have continued to have similar issues to present day. I have reached out over 20 times during that period of time to XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, subsidiary of XXXX. They have either not responded or provided a response with a resolution that does not solve the issue. When I let them know the resolution does not work, they do not respond any further. It has happened multiple times and my treadmill does not work. I submitted a finance dispute in XX/XX/XXXX with the TD Bank since the purchased treadmill was not working and I was not receiving any support or service. I received one phone call and no letters or other communication during their investigation. I called TD Bank again today because they will not respond in their inquiry system online, but they do not email or call, and the wait times are well over an hour or they don't answer. When speaking with them today, they let me know they made a final determination to my dispute on XX/XX/XXXX but I have not received any communication regarding this. They said a letter was sent but have no proof of that. Their determination said that XXXX determined my internet is the problem. During the pandemic we have all been at home and working from home with internet. I have also had message conversations online and emailed XXXX as well as I am online filling this out now. I have questioned TD Bank how that was determined, and they can give me no further information, but a final decision has been made. I would like to file a bad faith complaint against XXXX and TD Bank as they are taking advantage of consumers and not providing support or service when their service or product is not working.
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| 04/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Allegedly I opened a XXXX credit card account on XX/XX/XXXX. Both the date ( being exactly XX/XX/XXXX ) and the opening balance ( Only {$6.00} ) are suspicious. I did shop at XXXX on or around this time ; however, I did not knowingly open a new credit card. Furthermore, I have never received a physical card or any other information related to this account. I have never activated such card or used it for any purchases.
After seeing this negatively impact my credit report, I contacted the merchant directly in XX/XX/XXXX to resolve. I even tried to pay the alleged {$6.00} at that time and was told I could not pay b/c the account was closed. Apart from this incident, I have a stellar credit history and a great income, so paying a {$6.00} balance would never have been an issue for me. However, my only option then was to trust the merchant that this had been resolved.
I even disputed this account with all 3 credit bureaus at that time. Until last month, all 3 had marked the account as closed. I monitor my credit through XXXX XXXX which shows the account as closed ( screenshot attached ). However, today ( XX/XX/XXXX ), I was declined by XXXX credit for a student loan refinancing opportunity due to a negative account. After looking at my XXXX XXXX report, there we're no negative accounts to speak of and my scores we're excellent : XXXX for Transunion and XXXX for XXXX. Noticing that XXXX was missing, I went directly to XXXX 's website to discover the issue and that's when I saw the negative item from XXXX.
It appears that the merchant, XXXX, re-opened this closed account as of last month and reported negative history to the credit agencies. The merchant 's neglect in this case has now caused me damage in the area of falsified negative credit reporting resulting in a loss of student loan refinancing.
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| 01/05/2021 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I tried to open an online account with TD specifically because it could be done online. There are no TD branches in my town. During the process, the website errored out. I called the 800 number to try to finish it online and was told 1 ) I did not complete the process and sign for the account so it would close if not funded, and 2 ) I was also told it wasn't possible to correct over the phone and that I had to go to a branch. I told them then that wasn't possible given transportation difficulties and the pandemic. Again, the phone representative said the accounts would just close if not funded. A month later, I get a statement. I called AGAIN, and was told the same thing by TD, who tried to refer me to a branch in a neighboring town. Again, the reiterated that travel was not possible and was told by the TD representative that if the account was not funded, it would be closed by TD. A month later, I received another statement, this time showing a fee of {$25.00}. I called again, ... same thing. I was told only the local branch could close the account. I called that branch on XX/XX/XXXX spoke with the manager, XXXX, who told me it would be closed and she would confirm that for me once done. XXXX just called ( XX/XX/2021 ) telling me i had to make the trip to the branch. I reiterated for her that she was asking me to close an account that I NEVER SIGNED FOR AND SHOULD NOT HAVE BEEN OPENED and reminding her of the pandemic risk. TD opened an account without my signature, NOW is claiming I have to take unnecessary risks, time, expense and travel to correct their mistake. They are refusing to correct this via mail, internet or any other reasonable manner, even though I am going out of my way to work with them to find a suitable solution that does not involve health risks or a time/cost burden of travel.
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| 08/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
Servicemember |
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Two problems with TD Bank.
1 ) Prepaid TD Connect card in name of XXXX XXXX was closed by TD Bank, sometime in XXXX I believe. They stated my accunt was used to fund the card, so they closed it. There is over {$3000.00} on the prepaid card and we called 4 times for getting refund check mailed. 2nd call said have to wait 30 days after closing and checking will be mailed around XX/XX/XXXX. Called XX/XX/XXXX and they sent to escalation of what issue is. XX/XX/XXXX spoke to rep and supervisor who saw no status update and exclated again and asked us to call back yet again in a few days. Each time takes 20-30 minutes to talk to the right person and get information.
There is no online access to the account and the card is closed, can't be used. There is only TD records of the over {$3000.00} owed and they can't figure out how to issue the refund.
The closed account is XXXX XXXX XXXX XXXX.
2 ) 2nd issue is credit card in name of XXXX XXXX. Two payments were made of {$3000.00} each on XXXX and XX/XX/22 and the autopay was XXXX. TD took the autopay of statement balanced of {$6000.00} in addition on XX/XX/XXXX, creating a credit balance owed. TD acknowledged the mistake.
I requested the credit balance 3 twices. I went through various security screens and the fraud department said they cleared the account. A refund check of {$1100.00} is owed and one department is not communicating to another. They can't figure out how to issue refund.
I spent 59 minutes on the phone on XX/XX/XXXX from hold times to transferred about 5 times. We have cleared their fraud screenings on each phone call with text code to phone too and someone in fraud department said account is cleared.
There is some incomptence with TD Bank that gives the appearance of Bank Fraud for illciitily holding funds that have been prepaid.
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| 07/11/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Can't close your account
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Web |
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I made an order with Raymour & Flanigan on XX/XX/XXXX. The order contained a couch, love seat, club chair, ottoman, coffee table and two end tables. I was given credit from Raymour & Flanigan for this purchase. When initially making the order, the sales woman informed me that they would be " flexible '' with the delivery time window and that it could be changed after I placed the order. Of course, the day prior to delivery I called and they informed me that there was no flexibility. This was a difficult hurdle, as I was closing my house on the following afternoon and now had to figure out how to receive the delivery properly. Regardless, the coffee table and end tables were not delivered. I have attempted to call Raymour & Flanigan more than 10 times, and every time I call them they route me through a number of prompts, then throw me into a voicemail which they NEVER return. I have attempted to email them and have received no response. I have attempted to chat them and have received no response. On XX/XX/XXXX and on XX/XX/XXXX, I attempted to call them again and used different prompts. The system informed me that my wait time was 1 minute. After waiting on hold for 20 minutes, the system then told me that this was a non-working number. In the same breath, they have put credit against my name and I have no way of accessing the credit to pay my bill. When I login to their website, it says that I have no order history. Now, my entire credit score is in the hands of Raymour & Flanigan and their blatant incompetence and horrid customer service. I have an 800+ credit score, and to even SPEAK to someone I have to file a CFPB complaint - absolutely ridiculous. This company should be shutdown for their abuse of customer 's credit livelihood and complete disregard for their customers after making the sale.
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| 10/03/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Older American |
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I was unaware of the unauthorized use of my card until it was declined for a very small purchase in early XXXX. I Called them immediately and I was told that the reason was because they suspected fraudulent use and that they had tried to contact me and couldn't. I did not receive any such mailing ; they have my cellphone number email address and work number. I was assured that I would not be responsible for charges that I did not make or authorize. I have been working with Target fraud department and hoping to resolve this issue to no avail. I did receive questionnaire asking which charges were fraudulent and I sent paperwork back. Only to receive the very same paperwork sometime later. That was a problem because I didn't retain a copy and requested they send another which they did not however on XXXX XXXX XXXX I discovered the information and resent it certified mail to the address provided. I have received a bill from Target that states Only that " this is an attempt to collect a debt '' and asks for a payment of XXXX payment on the full amount of XXXX. These transactions are for several fast food purchases made on the same day and several online purchases including from Target and sports equipment stores that they did not tell me what the items are. Several alcohol purchases online to other states and even to XXXX. They were not made or authorized by me. And I made that adequately clear to a customer service representative who told me that the letter should not have been sent because the issues were clearly still under investigation And that the have erroneously categorized it as a dispute rather than Fraud. This has been unresolved since XX/XX/ and involves charges from as early as XXXX XXXX XXXX The bill sent to me prior to the statement in question had a balance of approximately XXXX XXXX
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| 12/29/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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My credit card was stolen on or about XX/XX/XXXX ; upon learning of this situation I immediately contacted TD Card Services and reported my XXXX XXXX Client Rewards Visa credit card stolen on the same day of XX/XX/XXXX. TD Bank Services assigned this as case # XXXX. TD Card Services closed my account immediately to prevent further unauthorized charges and mailed me a new card ending in XXXX. TD Card Services said I would not be liable for any unauthorized charges which is pursuant to their terms and agreement. During the call, TD Card Services identified two unauthorized transactions of {$230.00} and {$230.00} made on XX/XX/XXXX, the same day my wallet was reported stolen to them. These two transactions were the only two identified as unauthorized and the bank assured me this is protected by their zero fraud liability protection since I had reported my wallet stolen promptly.
I received a letter dated, XX/XX/XXXX stating that no billing error occurred and that I was responsible for the charges. I did not receive any type of proof documentation by TD Card Services supporting the reason for their decision. I immediately called TD Card Services ( XXXX ) and was told that " since no more attempt to charge the card was made after XX/XX/XXXX ; they therefore assume the charges as valid '', this is the most absurd reason I have ever heard. The reason TD Card Services has given me to support their validity of the charges does not make sense and lacks any type of credibility and logic. I know for a fact that the bank is in violation of its terms and agreements and also in violation of federal law for re-posting these charges which are clearly fraudulent as a result of my wallet being stolen. The bank has not presented any paperwork evidence to support their position which is unacceptable on all levels.
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| 07/04/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
Older American, Servicemember |
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I met XXXX XXXX, XXXX, Cell XXXX, while at a XXXX XXXX XXXX convention in XXXX XXXX, MO on or about XXXX XXXX or XX/XX/XXXX. XXXX had just purchased XXXX XXXX XXXX XXXX XXXX Dealership located at XXXX XXXX XXXX XXXX in XXXX, GA XXXX. We both were members of XXXX XXXX. XXXX XXXX actively encouraged members to secure favorable, better than market purchases, purchases with given dealerships. Such opportunities being one of the benefits of XXXX XXXX memberships. I asked XXXX to find a new full equipped XXXX XXXX. For what ever reason he could n't or would n't deliver on that and asked me if a used vehicle would work and I agreed for a low mileage XXXX. On XX/XX/XXXX we closed a long distance transaction on a XXXX XXXX XXXX. All of XXXX 's paperwork showed this vehicle as a XXXX XXXX XXXX XXXX. However I later learned that this was actually a XXXX model with XXXX miles. XXXX XXXX, XXXX, Cell XXXX, was the sales person whom I did n't speak with until all paperwork for signatures for purchase. Whenever I phoned XXXX to inquire about the delay in moving forward with my purchase he never indicated that financial institutions were declining me. Then after we closed the transaction about six different financial institution 's decline letters began arriving. This gets us to my perception that this was a fraudulent loan transaction. And I just paid off my loan effective XX/XX/XXXX. As indicated earlier I personally met XXXX. So he knew that I was XXXX XXXX. One of the several attachments that I 'm forwarding you shows my then credit score was XXXX. Therefore I 'm confused about the justification or merit in enjoying a 7.59 % T. D. Auto Finance loan also evidenced on one of the attached documents. Finally it is my hope that reasonableness and fair play, equity is yet available even at this delayed date.
|
| 10/18/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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There are two separate incidents inXX/XX/XXXX where I found on my bank statements that target cleared my credit card payment by converting my check and then submitted the physical check to my bank. Two separate incidents occurred where Target used the same check twice. The same check was cleared for payment from my bank account as both a converted check and then a physical check.
The dates of the incidents : XX/XX/2021 check # XXXX written to Target for {$800.00} cleared my bank account as a converted check.
XX/XX/2021 check # XXXX written to Target for {$800.00} cleared my bank account as a physical check.
XX/XX/2021 check # XXXX written to Target for {$800.00} was reversed once to correct the double payment.
Target was unaware that check # XXXX for my credit card payment had been cleared from my bank account twice.
My Target credit card statement did NOT indicate the two payments deducted by Target using the same check # XXXX. The payment was only credited to my Target credit card balance once. I had to send Target proof of their mistake before the money was refunded.
XX/XX/2021 check # XXXX written to Target for {$200.00} cleared my bank as a converted check.
XX/XX/2021 check # XXXX written to Target for {$200.00} cleared my bank as a physical check.
XX/XX/2021 I called Target again to ask them to correct the clearing of my payment as a converted check and then as a physical check.
I told them this was the second identical mistake in less than a year.
I am concerned this same issue could go undetected by other Target credit card holders.
At this point I am not certain if this mistake by Target is incompetent business practices or intentionally collecting money twice from their customers. I would like this situation investigated to stop this from happening to anyone again.
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| 11/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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|
Web |
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Hello XXXX XXXX, I believe that TD Bank / Card Services discriminates against minority customers and provides false information regarding denial of services. I cancelled my credit card with them today, XX/XX/19, because I was falsely denied my request for a credit line increase. Their excuse was my credit report from XXXX showed " multiple delinquent accounts '' however, when I logged into my XXXX account there were no such delinquencies. Neither were there any delinquencies in my XXXX or XXXX reports. I spoke to supervisors in TD Customer Service and XXXX in TD Credit Services who both contradicted one another. I then contacted XXXX and spoke to their fraud department who confirmed that are no such delinquencies in my credit report and could not explain how TD Card Services came to their decision.
This is actually the second time, I've been denied a credit line increase by TD Card Services. I was denied XX/XX/2019 because my account had apparently not been opened long enough and I was told I could reapply after XX/XX/2019. Not only has my credit score gone up since my initial request for a credit line increase but I actually was approved and received an XXXX XXXX credit card with a higher credit line at the end of XX/XX/2019. This is the 3rd time that TD Card Services have engaged in improper business practices. They initially ruled in favor of a merchant in regards to a transaction dispute and didn't notify me of their decision. TD then reversed their decision 2 days after I paid the remaining balance and again, did not notify me of THAT decision until after I called to inquire why I had a {$900.00} balance. Then when I requested the balance be returned to me, they did not do so until nearly 2 1/2 weeks later and after I made numerous inquiries as to when they mailed that payment out.
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| 10/19/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Application denied
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|
Web |
Older American |
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BEWARE OF XXXX XXXX 'S PUSHING THEIR CREDIT CARDS ON UNWARY CUSTOMERS! Speaking as such a customer as well as a consumer economist, I found that they claim instant issuance of a credit card, whereas my wife and I stood in line for a half hour, early in XXXX of XXXX, while our frozen groceries melted -- only to be told that we would get a letter in the mail, which took weeks to arrive! We had just moved to XXXX XXXX and Target declined to issue us a card for that reason, whereas we got cards instantly from XXXX and XXXX. Target store staff fail to mention the truth about their cards, making it seem that newcomers have no problem being approved, and that the cards are issued instantly -- which is a bald-faced lie. Try entering a Target store, and the " greeters '' corner you to push their cards, as do the checkout staff too. These high-pressure tactics lead unwary consumers to apply for a Target card, but be denied.
FURTHER, writing to their corporate officers -- including XXXX XXXX XXXX and their top media staff -- does not even merit a response. Target does not even reply to customer service complaints, on their own comment form! Target top staff are high-handed, heavy-handed, and do not honor their own corporate responsibility statements. Target compounds injury ( by lying about their card issuance ) with the insult of non-response. Given their pious statements of respect for their customers and customer rights, this firm behaves abusively & does not deserve customer support. A full investigation of these abusive practices and misrepresentation is quite overdue!
Ps. By way of background, I am a consumer economist who helped former XXXX XXXX XXXX XXXX write the original CFPB legislation, and who also advised your first XXXX XXXX XXXX. I am proud to have helped the XXXX people by doing so.
|
| 10/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
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Web |
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On Thursday, XX/XX/2019 I received a call from TD bank stating that someone tried to deposit money into my account and my account will be locked until I go into a bank and open a new one. That was all the information I was ever given, the amount and branch and name of the person were withheld from me ( I was not expecting a deposit and told them so ). That following Tuesday XX/XX/XXXX, I went in to the XXXX TD bank ( XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX FL ) and opened a new checking account. My previous checking account was not closed, and I was not granted online access to the new account. On Friday, XX/XX/XXXX I received a deposit into the old account from a client that mistakenly deposited into it instead of my new account. I called the TD bank fraud department and spoke to XXXX, on XX/XX/XXXX XXXX transferred the funds but was unable to close the old account, he told me to contact them the next day to close out the old account, he also expressed to me that it was fine as long as it did not happen again. I called TD on Tuesday XX/XX/XXXX and closed out my old account. Two days later they sent out a letter stating that my checking account will be closed as of XX/XX/XXXX.
I do not understand why my account was closed, I have followed all proper procedures and brought them a lot of business. I do not understand why I am suffering consequences for THEIR mistake of leaving my old account open. I updated all of my clients with the new account number, due to a simple error I will now be unable to conduct legitimate business through what once was my favorite bank to work with. If my account is not restored I will definitely recommend any clients I do business with to stop banking with TD as they do not have their customers in mind, and blame the consumer for oversights made by the bank itself.
|
| 05/27/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
In XXXX XXXX , a {$200.00} charge was made on my account, however, a return of {$110.00} on the same day ( XXXX XXXX XXXX ). No statement or account information was sent to us for the remaining balance of {$93.00}. The first time we were informed of the account having a past due amount was with a collection notice we received in the mail on or around XXXX XXXX XXXX . At that time, I logged on, not knowing that there were any charges on this account an d paid the {$93.00}. We also sent in an email to Target that we had not been receiving any statements, and that we would like them to reverse th e three excessive lat e fees that totaled {$100.00}, on the account. They reversed the interest charges but sent another collection notice via US m ail on XXXX XXXX XXXX , wh ich we only received on XXXX XXXX XXXX . I spent ov er 2 hours on the phone with different departments to close this account and asked to speak to someone about resolving the {$100.00} in charges on the account. They told me that unless I paid the amount of {$48.00}, they would continue to fine me for not paying their fines and interest on the fines. I believe that {$100.00} on a {$93.00} balance is excessive whe n Target made no attempt to contact us to let us know about this balance. They have our phone numbers and could have easily had this resolved in 30 days ( as we have a history of paying our account in full ). Despite all of my attempts, I am being forced to continue to incur late fees and their interest indefinitely for non-payment of late fees, which I think is just unconscionable. They do their own collections, so while I would like to resolve this matter, they are not interested in settling it and I do n't want to continue to p ay fees when my account has been paid in full.
|
| 09/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
The late payment occurred in XXXX of XXXX during the nationally declared Covid-19 Emergency. I called in Target in XXXX and was initially told this would not be reported for 90 days and I would have additional time to make the payment. However, I recently found out that this was reported as a late payment/ deliquency on my credit report, even though I became current on the account very shortly thereafter in XX/XX/XXXX. I have also remained current on the account ever since. Furthermore, prior to XX/XX/XXXX, the account was current at all points in time. I have been a store card member with Target since XXXX of XXXX. I think it is egregiously unfair for Target to have reported this one late payment, resulting a drop in my credit score of XXXX XXXX This action by Target has caused significant financial harm to me -- adveresly affecting my ability to qualify for student loan refinance and also to qualify for leasing an apartment. Also, it is unfair for Target representatives to say now in XXXX XXXX XXXX that calling them via phone in XXXX to report my loss of employment and hardship was not sufficient for me to qualify for relief at the time. Other than calling them, I did not have the ability to reach them in writing at the time. I have a medical condition and it was too much of a hardship given the risk posed by Covid-19 to get out of my house and send a request in writing to them. They should have been able to honor my verbal request over the phone and allow the extra time for me to make the missing payment as they told me over the phone in XXXX. Again, I did ultimately make the payment in XXXX XXXX XXXX and brought my account current, a status in which it has remained ever since, so it is egregiously unfair for them to have reported it as a late payment / deliquency on my credit report.
|
| 01/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I was involved in a job scam from XXXX. They sent me money in check form to deposit to my account. There were XXXX different checks that needed to be deposited so that I could provide money to vendors for equipment and materials. The first check was for {$2400.00}. There was only a 48 hour hold on the check and then the funds were released. The 2nd check was for {$2500.00} and those funds were also held only for a brief time and then released for usage. The institution, TD Bank did not validate the funds of those checks before releasing them to my account for usage. They released them with only a short hold so that these fraudulent checks were available. Had I not had access during the period of the scam that I was involved in, convincing me I was getting paid for this great work from home position, I would never have been able to send the funds to the random " vendors '' I was instructed to. TD Bank did not do their due diligence in verifying any of the information prior to release. I have had checks in the past held for many more days that were in fact legit and had to be verified ( anywhere from 5-7 days minimum )! I tried to go into the branch when I realized what had happened on XX/XX/23 and although I was scammed, they told me it was fault and I would be held responsible for the funds I already released to these various vendors. This bank should never have released those funds to me and instead should have only charged a return check fee ( which they have now done but also included the high amounts I now have to pay back to the institution ). TD Bank needs to be held accountable for there lack of being able to identify a fake check. I was a victim of fraud and am now thousands of dollars negative in my account which could have been avoided if they had never released the funds to me.
|
| 09/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My Name is XXXX XXXX Todays Date is XXXX XXXX My XXXX Report Number : XXXX And My FTC Report Number Is XXXX Iam The Only One Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Account As I Could .Also Recently I Called XXXX Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful At All These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With Experian..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent Account : TD AUTO FINANCE Account number XXXX {$14000.00} XXXX Even Called XXXX Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way XXXX Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number XXXX XXXX ( b ) Block. Item must be blocked in no less than ( 4 ) days
|
| 03/14/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have a XXXX XXXX XXXX credit account that was subsequently opened with TD bank, opened to purchase furniture. This card/account offered good terms and 0 % APR for approx 12 months. Unfortunately, after receiving the card, I found out that TD Bank does not offer a way to setup recurring payments, requiring you to log in or mail in your payment to ensure you are able to pay off your account before your promotional terms expire. On top of this, you can not see the promotional terms of your account, the only to get this information is to call into an XXXX # and speak with an agent in a call center which is open only during business hours XXXX. The recurring payment option was able to be overcome by setting up bill-pay payments with my financial institution and I thought everything would be fine. However, after making an additional purchase with XXXX XXXX XXXX the issues compounded and working with TD Bank became even more problematic. When making your payments to TD Bank the only way to dictate how your payments should be allocated is to call into the same XXXX # and speak to an agent in the call center. If you do not do this your payment is applied however the bank wishes, making it impossible to calculate how to pay off your balances within your promotion time period, unless you call in and speak with someone every time you make a payment until the end of your term. It is 2018, and this type of payment allocation and self-service functionality is a disgrace. The only reason I can think for this to be setup this way is to make it as difficult as possible for consumers to pay back their accounts within the promotion period and charge back interest for as many payment plans as possible. I would allege this is a UDAAP violation that could really harm consumers who are not financially savvy.
|
| 12/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Hello, I want to report TD Bank that represents XXXXXXXX XXXX for potential violations of the FDCPA. Mainly, now I am getting calls on an outstanding balance on an account that is not legally mine. Due to the terms of my purchase with XXXX, XXXX was to credit my account in the amount of {$120.00}. That never happened. Now, TD bank is trying to recoup the {$120.00} plus late charges on an amount that is not legally mine. They keep telling me to " contact the merchant, '' but they are representing the merchant themselves. regardless, I am unable to contact the merchant.
on or about XX/XX/XXXX, I purchased a new XXXX XXXX with a contract stating that I would be credited {$120.00} for the turn in to XXXX of my old watch. I did so. I received word from XXXX that my account was to be credited in the amount of {$120.00} in the manner of a text message to me that I retained in the notes to TD. The XXXXXXXX XXXX XXXX XXXX XXXXXXXX.
Later in XXXX, I noticed that the amount was not credited. I contacted TD regarding the outstanding balance. They just told me in writing to " contact customer service. '' From the follow up contact, they said at that point that they would check into it and " do nothing. '' That message was dated XX/XX/XXXX.
Next, in XXXX, I still see the balance and late fees accruing in the account. I then filed a formal complaint with TD Bank for the misrepresentation of the debt. That was filed via fax with TD on XXXX XXXX, XXXX. I had confirmation of receipt of the fax on the same day. I have not heard resolution other than they received the fax sent on XXXX XXXX, XXXX.
I am continuing to get calls XXXX XXXX XXXX XXXX even after I have pleaded with them to verify and produce proof that I am legally responsible for the debt. They still do not have resolution on my complaint.
|
| 03/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
This issue with TD Bank first began when I moved outside of TD Banks footprint. My account was placed on hold until I could verify my identity which was via the submission of my credentials and a signed and notarized affidavit of identity. TD Bank restored my access to my account until sometime in XXXX when I presented a check to TD Bank which end up bouncing. The fraud department suspended my access to the account until I could submit requested documentation and bring my account to a positive balance. Once I had met the conditions set by the fraud department as discussed my access to my account had been reinstated. Later I was contacted by management from TD Bank in XXXX XXXX, Florida which was known as my " home branch '' the manager requested I resubmit identity documents, she advised she would be able to take the proper action once I had provided the requested documents. Shortly after providing the requested documents my account was placed on hold again pending closure. I Contacted TD Bank customer service who redirected me to the branch. Management said that due to a check I had submitted TD Bank chose to close my account however prior I worked with TD Bank 's fraud team to reopen the account in good standing. I selected TD Bank to receive my tax refund which was deposited into TD Bank however due to the hold on my account the funds have not been made available to me nor has TD Bank been willing to work with me to reopen the account. TD Bank stated that the account would be closed and the balance of the account disbursed to me in form of a cashier 's check however TD Bank continues to withhold these funds from me and has not closed the account nor communicated with me about the status of the account or my money. I have entered into extreme hardship do to this treatment of TD Bank.
|
| 07/19/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I am filling a complaint against XXXX XXXX XXXX, because their careless mistake has caused my credit score to suffer greatly. I contacted them countless times to have them fix their mistake but to no avail. I even hired XXXX XXXX to plead on my behalf, still no response from them. I opened an account with them in XX/XX/XXXX and made a purchase. I contacted them soon after one ( 1 ) month to inquire about my bill and was told I had six ( 6 ) months to make a payment and there was no payment due at this time. Upon checking my credit report the following month I noticed that they reported my account late on all three ( 3 ) credit reports. I then contacted them and was informed by XXXX on XX/XX/XXXX that they made a mistake in my mailing address therefore I never got my first bill. Hence, my account was reported as being late for non-payment. That same day I paid {$550.00} which paid off the account. XXXX told me that since it was a mistake on their part that they will rectify it with all three ( 3 ) credit bureau. Payment was posted on XX/XX/XXXX. I follow-up again on XXXX and spoke with XXXX and was told that they are still working on it. Then again on XX/XX/XXXX XXXX told me that it could take up to sixty ( 60 ) from my original complaint on XX/XX/XXXX for the correction on reflect on all three ( 3 ) credit reports. As off XX/XX/XXXX, I have not been able to have them remove the late notice from my three ( 3 ) credit reports and it has been affecting my credit score which took a huge hit as result of their careless mistake. I have their bill statement which mentioned that they made a mistake and their late fee was waived from my account ( see attached document ).
Please feel free to contact me if further information is needed.
Thank you for your anticipated cooperation in this matter.
|
| 07/20/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
I am a victim of identity theft. A credit card was opened online with Target by the person who stole my wallet ; the account was approved. The credit card was opened XX/XX/XXXX. I was not aware of this CC until XXXX when I was being charged for an amount I never spent. I called Target in XX/XX/XXXX to dispute this matter. The gentleman said not to worry as he would close it and mark it as fraud ; however, that did not happen. I called again in XX/XX/XXXX because my loan XXXX told me the Target CC affected the loan process since it showed it was delinquent. The person who was handling my account told me my claim was denied because I did not complete the questionnaire, however, I never received a questionnaire. I called again in XX/XX/XXXX because I had not received the questionnaire. I spoke to the lady and asked her to email me the questionnaire. I completed the questionnaire and sent it in. I received a notice in XXXX advising my claim was denied. I called to dispute this matter, and I threatened to sue them, and the lady told me to go ahead and do so. I explained myself over and over, and I sent in the police report which reads my wallet was stolen along with my SSN and ID 's. She said she could do nothing because someone had called to make a payment and even set up an arranged payment. I told her they did the same with my other credit cards and even maxed out XXXX of my clothing credit cards. She didn't care to listen. I asked for the details ; what debit or credit card did they use to make this arrangement and for the successful payment? Have they reviewed the cameras of when this person made the purchase in the store and all she said was she could not provide those details. My credit score dropped almost 100 points because it was maxed out and because it was past due in payments.
|
| 05/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
In XXXX I found out that I was embezzled and identity stolen to commandeer several accounts in my name. Two personal credit cards originally opened legitimately, were supposed to be closed or inactive, one for XXXX XXXX and the other for TD Bank ( see attached ). Unbeknownst to me, they were taken over by a former employee, XXXX XXXX, who charged over {$100000.00} on two credit cards by forging signatures. There were balances left on the cards, and eventually the companies charged off balances as bad debts, listing them as delinquencies, even though that was 100 % fraud. I found out through a telephone call from XXXX XXXX about the first card which had a ~90 day past due balance. The TD Bank account was discovered still open with a balance after checking my credit. I notified both banks and let them know this was fraud, however they would not believe me. However they said they would listen to law enforcement if the perpetrator was charged. Due to the complexity of the case, the perpetrator, XXXX XXXX, XXXX XXXX XXXX XXXX, was not charged until this year by the XXXX XXXX District Attorney 's office for these crimes. She was charged for XXXX XXXX XXXX XXXX, was XXXX and is now awaiting a XXXX or XXXX. I have disputed both accounts since I was aware of the fraud, however the two cards are still listed as delinquencies on my credit reports. These claims were investigated by XXXX Police detective XXXX ( XXXX ) XXXX or ( XXXX ) XXXX, as well as by XXXX XXXXXXXX XXXX XXXX a former FBI XXXX XXXX crime investigator, ( XXXX ) XXXX, email : XXXX. The accounts were actually illegally paid by the same person who embezzled from them by intercepting the mail, and paying them through a corporate account illegally, so I was unaware the accounts were being embezzled for about four years starting XXXX.
|
| 04/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Friday, XX/XX/XXXX Attention XXXX XXXX XXXX, It is unfortunate XXXX continues to send me statements for an account I never applied for or purchased items with. The short is on XX/XX/XXXX a XXXX employee informed me that XXXX XXXX XXXX could be used as a rewards card for savings, not a credit account. When she clarified it to be a credit account, I told her to cancel it. She agreed to do so. I paid for items at XXXX that day in the approximate amount of {$150.00} with my XXXX XXXX XXXX card.
For reasons unknown the XXXX cashier also charged the purchase to the XXXX XXXX. Thus, I was charged twice for the purchase. Upon a call I placed, XXXX recognized the mistakes and I conferenced in XXXX XXXX XXXX to both verbally verify the purchase was paid with my XXXX card, and to fax XXXX proof of the XXXX payment.
After several calls between XXXX and myself, XXXX agreed they billed me in error and informed me they had cancelled the account. Several months afterwards XXXX took this to a collections process. My credit score went from approximately XXXX to XXXX as a result.
I have since had several calls with XXXX and they continue telling me they made an error and will resolve it in addition to fixing my credit score. As you can see in the included letter from XXXX on XX/XX/XXXX, the matter is not resolved. XXXX continues to bill me and damage my credit score. I have included information from XXXX XXXX XXXX to again show the purchase was paid on my XXXX account, not via a XXXX credit card.
I need XXXX to immediately resolve this matter and correct my credit score with each affected agency.
If XXXX can not or will not resolve this matter immediately, I will contact both a family business attorney and the Consumer Financial Protection Bureau.
XXXX, XXXX XXXX XXXX XXXX / XXXX XXXX
|
| 10/04/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Hi, First off just wanted to thank you for reading this and I hope you can help me.
The problem is n't exactly as stated. I have a title problem, but the problem is about transferring jurisdiction not about receiving the title at the end of the payoff period. I still have 6 or 7 months on the loan. In XX/XX/XXXX I moved to XXXX from XXXX. The XXXX DMV requires that they reissue the title for the car prior to registering.
I called TD Auto Finance, my lender regarding how I should do it. They recommended that I send in the form requesting the title be send to the XXXX DMV, but wanted me to switch my insurance to my new address first. I did that. On XX/XX/XXXX I talked with them on the phone after moving my insurance. They looked at this link ( below ) and reviewed the form and agreed to help. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The title was not sent. They called me back a week later asking for the form. I mailed it in. They called me back after about another week accusing me of stealing my own car. They realized their mistake and said they would help me register my car. At the beginning of XX/XX/XXXX the XXXX in XXXX cancelled my registration as they had been notified by my insurance and lien holder i had moved.
After sending in the form by mail another time, trying to fax it to them 2 more times, writing 4 emails of progressive frustration, and 2 more calls ; I am now paying for a car for the last 2 months that I can not drive as its not registered in any state.
TD has sent me the wrong tracking number at least once and there is no line of sight to resolving this issue.
Please help. All they needed to was send the title. Instead, now I both need that to be done as well as get some relief for not being able to drive the car I pay for 2 months.
thanks, XXXX
|
| 12/28/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
Older American |
|
Scammers, posing as XXXX XXXX, fooled me into sending them {$35000.00} from my TD Bank checking account leading me to believe that I had mistakenly instructed its computer to " refund '' me that money. They showed my TD bank account with that deposit and an account that now held {$76000.00}. I learned on the next business day that it had wiped out my checking account. I was left with {$150.00}. That employee did not tell me that if the transfer goes through i would be left with that amount. It would have exposed the scam if that information was shared with me. It should have. A simple bank procedure. He failed at his job and I became a victim. The bank claims that it did nothing wrong.
The bank employee failed to spot that this had all the earmarks of a scam. He failed to ask me the name of the person that i am sending this money to in XXXX. The bank claims that I told the bank employee when asked why i was sending this money, the reason was " funds to family member for medical reasons. '' I should have been asked the name of this so called family member. I am not XXXX and have no relative sin XXXX. The bank claims I said verbally ( hearsay ) but did not put that writing for me to sign and no other questions were asked. No due diligence. XXXX XXXX XXXX and XXXX XXXX XXXX advocated to the bank in meetings, press conferences, TV coverage ( twice ) and correspondence to the bank 's CEO that the money should be restored. The bank responded that it would set a dangerous precedent if it restored the money it would have do the same that for all other complainants. My local bank manager exclaimed " it happens all the time! '' What does the bank do to protect its customers. Does it have an obligation? Was this employee trained to spot a scam and how to avoid? Apparently not.
Please help.
|
| 11/13/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
On XX/XX/2020 my daughter made a deposit for me at the TD Bank, XXXX XXXX XXXX, XXXX, DE through the ATM. The deposit consisted of {$110.00} cash & a draft in the amount of {$50.00}. The machine returned the draft indicating it could not be deposit at this time. It then returned my debit card but no receipt for the {$110.00} cash. We went to the drive through teller & explained the situation and asked her to help to get a receipt & to deposit the check. She basically cashed the check & said for me to check my account online for the deposit. I did check my account & it did not show the deposit. I immediately called the bank & spoke with a representative ( XXXX ) who filed a dispute complaint on my behalf. I also asked her to retain the video of the ATM of that day. I did receive a complaint number via email from a XXXX XXXX ( XXXX ) I was told it will take a day or two to balance the ATM.
Called on XX/XX/2020 & had to leave a message. On XX/XX/2020 I spoke with XXXX who indicated that there was no indication on my complaint yet & it takes 7 to 14 days. XX/XX/2020 I checked my online account & still no deposit. XX/XX/2020 left another message. Called again & spoke with XXXX & left a message for XXXX XXXX to call me. XX/XX/2020 its now 2 weeks & no response from anyone. I left another message.
I called my branch of TD Bank and spoke with a gentleman named XXXX, who went over & above to help me. He located my complaint and indicated that a not was only recently placed on the form indicating it was being denied because the representative who filed the complaint did not put the terminal number on it. He checked everything possible & called the branch on XXXX XXXX & was told that there was no transactions on my card and Im basically out of the {$110.00} I deposited. This is unacceptable!
|
| 05/05/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
Older American |
|
TD Bank case number XXXX I have been trying for 6 years to try to get my money back from TD bank, who have frozen the funds and I am awaiting for my money to be refunded. It all started when I was looking for a holiday resort to stay in Hawaii and this " pop Up '' came up to purchase it threw them by paying {$1800.00} US by bank Transfer from my account in XXXX to TD Bank, I sent some emails and the fraudster responded so I thought it was legitimate. Then on XXXX XXXX th XX/XX/XXXX I purchased the supposed holiday, and the next day I realized it was Fraud. I called my XXXX XXXX to put a stop and they said they will try but because it was more than one day it may not help, and they also sent emails to TD Bank and still no refund. I spoke to a XXXX XXXX at TD bank Investigations Team for approx. 2 years to resolve and no refund. He no longer works there and so I have been trying for years to have my money refunded and the Bank keeps changing the goal posts. I actually came to XXXX XXXX TD Bank and spoke to Mr XXXX XXXX around XX/XX/XXXX and he also tried to help but to no avail, because the Investigations Team, Now, no longer speak to people, it has to be done by email. I have tried for years to get the refund and surely the fact that the funds are still in Limbo in TD Bank, and I am the only person making a claim for my own money clearly states it is mine. The bank also asked me to get the Police at XXXX XXXX to investigate, and the Officer I spoke to said, because the money has Not left the bank or transferred to anyone, then the transaction is not completed. So I ask that common sense prevail and to please return the money to the Sender, which is myself as per the Bank Transfer Documents. I can be contacted by email on XXXX or Mobile/cell phone.
Please Help, XXXX XXXX XXXX XXXX
|
| 05/13/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
I viewed my XXXX credit report during the week of XX/XX/XXXX, and found negative derogatory marks that had I had late on payment since XXXX of XXXX. On XX/XX/XXXX, I called TD Bank to inquire about the late payments because I was not informed of the payment. XXXX XXXX XXXX, my ex-partner, communicated to me that he was informed by more than one representative on multiple instances that an account did not exist under his social security number or name nor my social security number or name ( XXXX XXXX ). I found this to be true when I called the same number ( XXXX ) XXXX ) that was given to me and the same instance happened. I gave my social security number several times to 2 representatives before the account could be located. It took over 1 hour to locate the account. When I explained stating, I MUST have an account there because there are several negative remarks on my credit report from TD Bank. After stating my concerns one of the representatives found the account. After going into detailed what happened, the last representative informed me that TD Bank will never remove any negative remarks from any account regardless of the reasoning. I have an issue with this, due to the fact, I was not informed by the financial that a payment had not been received for several months and was easily found after the storyline. I gave my social security number to the representative several times and both representatives stated that could not retrieve my account. When I informed the representative of the what happened, she stated that TD Bank will never remove any negative remarks from someone's account I am in the process of attempting to buy a home and now I have negative remarks reflecting on my account..
I have never lived at XXXX XXXX XXXX, XXXX, TN. I was living in XXXX, MN at this time.
|
| 06/24/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Auto-pay has been set up on my Target RedCard for years and I have never missed a payment until suddenly in XXXX my autopay was returned. I had not changed my bank account information and I had more than sufficient funds in my account. The payment of {$940.00} was attempted on XX/XX/XXXX with the autopay service. Upon calling Target 's credit card help line on XX/XX/XXXX I was harassed by the agents telling me that I needed to pay my debt but not offering any sort of assistance or clarity into what had happened. I had attempted to pay with my XXXX XXXX, as well as my Checking account, each of which had more than sufficient funds in them. All of those were rejected by Target. No other credit card or auto-pay service has been returned, only Target 's.
I paid " my debt '' by using my Savings from XXXX on XX/XX/XXXX. My payment was for {$1200.00}, I had uploaded my information into Target 's system and the payment was posted that same day. Because that was the case I had figured maybe Target just had an issue with XXXX for some reason, and I decided to resume auto payment with Target using this XXXX account. On XX/XX/XXXX Target attempted to charge my account for {$1200.00} using the XXXX Savings information saved from the XX/XX/XXXX payment. On XX/XX/XXXX Target returned this payment claiming that there was insufficient funds. My Savings account at XXXX has well over {$420.00} in it, and XXXX shows no attempts at payment were made.
Target is charging me a {$30.00} returned payment fee for this and has been incapable of providing me with any sort of information other than demanding that I pay off my balance.
Each phone number for the XXXX assistance will either go dead or take you back to the payment center where you are only able to make a payment, not receive true assistance.
|
| 02/28/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
To Whom It May Concern, First, I have not turned down the other account XXXX XXXX so please do not put words in my mouth metaphorically speaking because that is not accurate concerning our conversation. However, I do remember your office calling me and inquiring about what I wanted to get things resolved during our first conversation, and I told you that " I wanted all of the overdraft fees returned and all of the XXXX fees returned than I wanted the bank account closed '' My mother who talked to you shortly after I did said the same thing even though any information or conversations with her were limited.
Nonetheless, as I have stated various times, I don't want to be in a relationship with the bank anymore due to lies, poor information, and the lack of good customer service, especially when I went to get a letter notarized at the bank you're over and was treated like human trash, by an employee your branch hired and needs to fire.
I doubt that you've even spoke about the situation to her. The letter I needed notarized was time sensitive, and your arrogant and unfriendly employee didn't even try to help me even though 5 employees or more were in the bank at the time ( you can pull the camera footage for that interaction ).
Also, as I mentioned, she doesn't need her notary license if she doesn't want to do notaries. It's against the law concerning what she did in XXXX. You've made some excuses for her actions but let 's be honest there are none because she believes she is more than what she is per se.
Lastly, XXXX provided me with a letter to give to you due to their error, and you've have yet to act on that. Maybe it was missed in the attachment section? I am requesting for my requests to be met, or I can contact XXXX XXXX 's office ( either or is fine with me ).
Best,
|
| 05/03/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Between XX/XX/XXXX and XX/XX/XXXX, my roommate used my XXXX XXXX XXXX to make a series of unauthorized transactions, totaling a very substantial amount. As soon as I discovered the fraud, I immediately called XXXX Guest Services to have the card shut down, and a new card sent to me.
At the time of my initial fraud claims, I submitted the following documents : two Fraud Questionnaires, a summary/confirmation noting which transactions were fraudulent and which ones were genuinely mine, and a police report. I even provided the name and phone number of the person who committed the crime. This information was used to credit only some of the fraudulent transactions, but a majority of them reposted to my account in XX/XX/XXXX. Seeing XXXX error, I called the Fraud Department directly in XX/XX/XXXX directly and spoke to the rep who was managing my case. She told me that she did not receive the documents in time, but if I resent everything again, she would complete a reinvestigation. I faxed them to Guest Services, and was sure to include my account number and the reps name on the cover sheet. I have a confirmation fax that the documents were successfully transmitted.
30 days went by ( again ), and the charges still were not credited. So, I sent the packet of information in the mail in XX/XX/XXXX in a final attempt to have the transactions permanently credited. I made note in the letter that if this matter was not resolved in 30 days, I would be notifying the CFPB disputing the balance with the credit bureaus, and closing my account for good.
It is now XX/XX/XXXX and interest has been accruing on this fraudulent balance for six months now. The transactions still have not been credited event though I have sent the same packet of information four times over now. This is unacceptable.
|
| 01/29/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
Recently, I filed a Reg E claim with my institution.There were several attempts to utilize my card at internet sites and on from XXXX XXXX has posted to my account, the others were rejected. Since filing this claim I have followed all steps directed from TD Bank. I have filed a police report with my local police department ( City of XXXX Police Department case # XXXX ), only to be told that I must file a police report with another police department where items were sent utilizing my card information.
The branch has told me there is no way for them to contact the fraud department to share information I have received about the fraudulent purchase. The items were sent to XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I am inclined to believe this fraud happened after my card information was compromised at a dealership after a legit transaction. I recently placed a hold on a vehicle at XXXX of XXXX which is only 20 min from the delivery address of the fraudulently purchased items. Additionally, the customer service department now tells me that it is my responsibility to seek a refund from XXXX XXXX and that I may have to wait for the bank to file a claim with XXXX. I have not even been given provisional credit and it seems that the bank is somehow not processing this Reg E claim as I suspected. I did not make these purchases, I have provided all pertinent information that has been requested and I feel like I am being given incorrect or additional steps that I am not sure is required of me. I really want the Bank to fully investigate and catch these thieves but I also would like for them to provide provisional credit during their investigation. I am willing to help the best way I can but it seems that some of the request are a little convoluted and actually are in sense beyond my control.
|
| 11/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Last year, there were a few orders I used my card for, where the orders were either not delivered or not delivered in tack to merchant policy. After trying to work with the merchants, three required a dispute involvement. TD cancelled the card ( s ) and replaced them with new ones. The disputes were ruled in my favor, after additional information was requested and provided. The balance of those amounts were refunded to the old account number of the cancelled cards ( not the current card/account ). It took 3-4 months to get one of the three 's refund applied to the current account ... an additional 4 months for the second ... and almost a year later I am still awaiting the third 's refund to post to my current account ( ideally with the interests added in the last year to the initial charge ). Since then I have requested my contact information with my address be updated, and it took almost 7 months to have a TD representative correct this on all systems. In XX/XX/XXXX of this year there was a fourth dispute that required a TD involvement. There was not a new card replaced, however in XX/XX/XXXX/XX/XX/XXXX a TD representative ( XXXX/XXXX/XXXX name and a woman ) contacted the merchant ( XXXX ), who confirmed a refund of XXXX was due to the account, but she was not the person to bill it correctly. I was told by TD this conference call was recorded for records. To get information from this case, I had to call the department almost 20 times over a 5 month period. As of XXXX 2017, my account balance is reported incorrectly ( by about XXXX $ USD and interest ) as well as incorrectly reporting my mailing address for over a year while have representatives claim to have 'fixed ' the error and being told to wait 10 business days, just to have to call every two weeks for several months.
|
| 05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Complaint is against - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX TD Retail Bank services XXXX XXXX XXXX XXXX XXXX XXXXXXXX I purchase cell phone XXXX XXXX XXXX XXXX XXXXXXXX - intially with XXXX XXXX I fully paid the financed service. After that XXXX financing continued to charge me for XXXX care and XXXX XXXX service. In XXXX XXXX phone broke up and XXXX XXXX insurance coverage XXXX- couldn't replace my cell phone stating- " we do not carry XXXX Note XXXX XXXX any more '' and agreed to refund me a check. When this happens I notify XXXX financing as well as TD bank customer service personell- to cancell XXXX XXXX and XXXX XXXX service-since they did not replace phone to me.
As of XXXX, XXXX I cancelled XXXX XXXX and XXXX XXXX service via phone calling XXXX XXXX directly and TD bank- that was right after XXXX XXXX XXXX XXXX issued me refund check.
As of XXXX, XXXX no billing shouldn't be issued under my name. However, XXXX financing continued to issue billing for non existing service. Not only monthly billing adding late charge for non existing service. I called multiple times to customer service they apologized all the time and verbalize agreement for not to issue charge or issue bill as of XX/XX/2023. However, company is falsely sending bill as if i am i am receiving service from them. When i called XXXX care blaming TD retail card service for Issuing charge and vice versa.
I tried to search their adress to file complaint via XXXX or open legal case aginst them and couldn't find adress other than postal adress writing in top.
I am wrting to let them know that i am very disappointed about the game they are playing and disputing the all charges charged issuef as XXXX, continually till XX/XX/2023 Please cancel issued charge for non existing service.
|
| 03/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I went into the TD Bank and tried to open an account. The customer service person that opens the account for customers. Told me that she could not open an account in my name because I have a Checking account in collections.
I don't have any TD Bank account in collections. In anytime someone owes the TD Bank or any bank, they have you pay what you owe first and then they go ahead and open the new account.
I do know that my personal information was stolen back in XX/XX/XXXX that my XXXX had in a box when she moved to XXXX. They stole all of my XXXX XXXX personal information, my XXXX and mine.
Social security number, birth certificates and photos, date of birth. Old tax documents. On XX/XX/XXXX or so.. I can't remember the exact date it happened but some employees at TD Bank made stole out of my mother 's personal information and made online purchases close to {$5000.00} and my mother received a letter from TD Bank headquarters, stating that the employees has all of her personal information and were fired and arrested from TD Bank.
TD Bank offered my mother extra XXXX years higher security on her TD Bank account. I believe that my personal information along with my mother 's has been compromised. In I don't have any collection accounts with TD Bank that I am aware of. Other than today when the bank employee said she will get back to me about collections on my account with TD Bank, and she didn't open the account for me.
My mother 's TD Bank account was compromised in XX/XX/XXXX or so.
I always thought when you owe the bank you pay right then, and they open your account. That's what they did with my mother. She paid what she owed on the same day they opened the account.
I work XXXX days a week and the woman did want to open my account something is seriously wrong?
|
| 11/17/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Closing on a mortgage
- Fees or costs after closing
|
|
Web |
|
|
Good Afternoon, I believe TD Bank has made a UDAAP violation. I called and inquired about a HELOC on an investment property. They told me they had a great HELOC program that would not have any closing costs. There was only an application fee of {$99.00}. This was discussed multiple times throughout the entire process that can be verified on their recored lines. Once they called me with my clear to close they now are saying that this loan does not fit the product they initially put me in and say closing costs would be {$930.00} in addition to the {$99.00} application fee. Had they mentioned this earlier in the process could have avoided this by not moving forward. the entire process I told them the only reason I'm working with TD is because there were no closing costs. at no point until I received my clear to close had they admitted there would be closing costs, the lied through the entire process and took advantage of a well qualified individual.
I feel like I was put in an unfair position as I needed the funds to use on my properties and have now wasted an entire month that I could have been applying for a loan somewhere else with less closing costs.
I called and asked what they could do about this and the loan processor XXXX XXXX instead of trying to remedy said ok we won't close and ended the call. I tried to speak to the lender who said they would escalate it and their manager said they couldn't help at all.
I'm concerned many other individuals are being taken advantage of by TD Bank and this is not right. Personally I work at a bank and understand the rules and regulations and this is absolutely deceptive and taking advantage.
The offenders include : XXXX XXXX - Loan Processor XXXX XXXXXXXX XXXX XXXX - Loan Officer XXXX XXXX XXXXXXXX XXXX - Loan officer XXXX XXXX
|
| 01/11/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Previous action on this matter is cfpd compalint number XXXX, which no debt validation was given to myself the consumer, law 15 usc 1692 states that congress finds there is abundant evidence of the use of abusive, deceptive and u fair debt collection practices, which contributes to a number of bankruptcies, loss of jobs and invasions of individuals privacy. These laws are set in place to eliminate abusive practices. Truth in lending act gives consumers the right to cancel certain transactions that involve liens on consumers property from the unfair credit practices in the extension of consumer credit.
TD Auto Finance furnished certain deceptive forms 15 USC 1692j in my consumer credit transaction on XX/XX/2021 creating an unfair practice 15 USC 1692f. Many law violations of my consumer rights have been made against myself the consumer by XXXX XXXX XXXX, listed below are the violations : 15 USC 1692b ( 5 ) 15 USC 1692f ( 8 ) 15 USC 1692c ( a ) 15 USC 1692j 15 USC 1692b ( 3 ) 15 USC 1635 15 USC 1602 ( k ) 15 USC 1692e ( 10 ) 15 USC 1692f ( 6 ) ( a ) 15 USC 1692g 15 USC 1605 16 USC 1692c ( c ) Remedy of these law violations are as follows with regards to my rights of rescission that I never received disclosure for under Truth in Lending in this consumer credit transaction : 1 ) pay invoice that was sent to TD Auto Finance of all law violations 2 ) lien release of XXXX XXXX XXXX XXXX ) removal of this account from all consumer reports 4 ) refund of all payments made to date on account XXXX XXXX ) paid in full letter for account XXXX Exhibits A thru Exhibit H are attached in regards to this consumer transaction to prove the facts in this matter, please see all attachments for proof of law violations and facts in this matter along with an affidavit of truth signed and notorized.
|
| 10/23/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
My debit card was used without my authorization while I was in XXXX undergoing a XXXX XXXX and XXXX XXXX ( 2 XXXX in 10 days ). Most of the charges occurred on XX/XX/18. I realized my card was missing on XX/XX/XXXX and immediately contacted the bank. I also reported the fraudulent charges. On XX/XX/2018 I received a letter stating my claim was denied. I immediately requested documentation used to deny the claim, as per Reg E, and the bank has failed to provide this information. I have called and walked into the branch many times and spoken to several supervisors. I also refiled the claim. On XX/XX/2018 I sent a certified/return mail letter requesting the documentation used - 6th time making the request - and explaining why I thought each one of the reasons given to denied my claim were not satisfactory. The reasons are that I notified I'd be in XXXX during the dates the charges happened, account wasn't drained, charges reflect normal spending habit ( I had my account for 2 months how can they say the had a pattern of my spending habits? ), and that there were no more attempts to used the card after XX/XX/18. I sent TD bank letters from my XXXX and XXXX XXXX confirming my health state during that time. In addition, as per Reg E, the fraud was reported within reasonable time of learning of the card missing or fraud - I reported the fraud within 24 hours of learning the card was missing ( and within 60 days of it happening ). I have spent an obnoxious amount of time disputing the transactions/claim denial and TD Bank is not protecting me against fraudulent charges as they stated when I opened my account. In fact, they are adding to my loss by implying I am lying and or trying to commit fraud against them and the time I've wasted filing the claim and disputing their decision.
|
| 10/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
TD account number : XXXX TD debit card number : XXXX I canceled my TD checking account. I used my debit card to return items at XXXX after the account was closed. I never received a check or refund for any of the following transactions and have contacted XXXX who tells me they successfully sent the money to the credit card.
XX/XX/XXXX : XXXX refund ( XXXX XXXX XX/XX/XXXX : XXXX refund ( XXXX XXXX XX/XX/XXXX : XXXX refund ( XXXX XXXX XX/XX/XXXX : XXXX refund ( XXXX XXXX I called TD on the following two dates : XX/XX/XXXX ( XXXX customer service ) and XXXX ( XXXX supervisor timestamp XXXX XXXX EST ) XXXX sent an email to the department that would handle closed account transactions to get information. When I called back XXXX told me the department claimed they never had any record of the 'transaction ' or of a store attempting to give me a credit. I never gave a specific transaction the first time. I was not allowed to contact the department directly or dispute the transaction ( I was told I could not dispute the transaction - not receiving credit- unless I had a complete record of when I purchased everything I returned - not just the information from the refund ). I was never given an option to escalate the inquiry or request an investigation. I was left with no options other than to just lose money.
I checked with XXXX and they sent the refund over and from there everything is the responsibility of TD ( attached proof from XXXX ). The debit card accepted the transaction and did NOT decline it. I will to get a full refund of the amount TD owes me, as well as full records of my account in case there are other transactions I am unaware of since TD is refusing to give me records or let me speak to the proper department and is handling this inappropriately and irresponsibly.
|
| 05/30/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Web |
Older American |
|
I had a promotional rate savings account with TDBank.
The rate was to be 2.50 % for 12 months from account opening.
As I approached the end of the promotion period I began asking when exactly would my promotion period actually end ( what date ) and what would the new, non-promotional rate be. I sent secure messages to TD via the internet portal, called the retail bank offices, and asked the reps on the XXXX number customer service. I got nowhere. AWFUL CUSTOMER SERVICE.
Finally, I decided after NUMEROUS inquiries, to close the account by transferring most of the remaining balance to another TD account, leaving just a small balance.
At that point, with just a few cents remaining in the account, I sent secure multiple messages to TD Bank thru the internet portal asking that my ACCOUNT BE CLOSED and to transfer the remaining balance to my checking account.
I sent this request on the following dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
In two cases I got a non-responsive response from TD ( a canned response ) basically saying nothing.
In one response from a " XXXX '' on XX/XX/XXXX I was actually told that she could not close my account because it had a balance. So I withdrew the last few cents and repeated my request on XX/XX/XXXX.
Today I checked my accounts on online and I see that TD Bank assessed me two ( 2 ) {$15.00} service charges on the savings account totaling {$30.00}.
Now, of course, during all this time, their branches are closed so u can not walk in.
I called the branch several times, left my name, no one bothered to call me back.
When you try to call the XXXX number you are put on a long hold to talk to a person.
Actually, as I type this complain I am on hold now with TD Bank awaiting a live person.
I've been on hold now for 30 minutes.
|
| 07/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I 've called and written in to Target Card Services several time in which I have proof of signature of documents sent. I have one Target card account however a duplicate account is appearing on my XXXX credit Report only. XXXX and XXXX have one account and the correct info etc. I have asked Target to review the duplicate account that reflects incorrectly a credit limit of {$300.00} with a balance of {$420.00} over the credit limit. In addition the correct account does reflect with my credit line currently at {$1100.00}. I have been disputing this information with both XXXX and Target and received response that the duplicate over the limit account is correct. However when I call into customer service I am told its incorrect. None the less after writting to Target Legal department and Credit Line department I received a letter dated for XX/XX/XXXX inwhich I am attaching a copy to this file.
Its stating from Target that they found the account to be a duplicate and have notified the credit bureaus to remove the duplicate account. I have waited well over 30 days going currently 45 days at this point and time and no update have been made. I am in the process of seeing to purchase a home and the mortgage company is questioning about paying down my over the limit Target Credit Card. I am not able to because its not correct and this is killing my credit score per the credit utilization reporting.
I have spoken to several supervisor at Target. The last supervisor was very helpful but finally called me on XX/XX/XXXX to informed there is nothing more she can do for me. This is unacceptable when clearly Target had admitted to fault and have not fix the mistake and hardship they have caused me. Her name is XXXX and her phone number at Target is XXXX direct.
thanks XXXX XXXX XXXX
|
| 11/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
On XXXX XX/XX/2022, I met with an Accredited Financial Counselor with the XXXX of the XXXX at XXXX XXXX XXXX. I saw her for assistance with my security clearance as I had delinquent debt. During this session we determined how much I could reasonably afford to repay on my delinquent accounts. I called one of the creditors, TD Auto Finance. My counselor was on the call. I spoke with XXXX @ XXXX @ XXXX. He informed me that no one except myself could remain on the call. I continued with other creditors and called TD Auto Finance back at XXXX. I reached XXXX XXXX XXXX (? ). I explained the reason for my call. She stated that my loan was {$12000.00} at an interest rate of 7 %. I immediately asked her to lower it due to the SCRA rate of 6 %. She stated she never heard of this and would not reduce my interest. I asked again for her to lower it and she said she would ask her supervisor. Again, she returned to the call stating she could not reduce the interest. I continued to try to negotiate a possible settlement with payments. She kept referring to a payment that was impossible for my family to afford. I told her that I could only afford {$170.00} at this time. She stated that was not enough and said she would not set me up on a payment plan for that amount. When I explained to her that I could not afford payments over {$600.00} she offered a settlement of {$6400.00} that I could not afford to pay. I asked her for the payment address, and she did provide it however, she told me that I should not send in payments of {$170.00} because that was not acceptable. She outright refused to take my {$170.00} payment.
After my call ended with TD Auto Finance, my counselor suggested I file this complaint and for my wife to send in payment every single month until this complaint is resolved.
|
| 01/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
My final car payment ( payment # XXXX of XXXX ) was not auto drafted from my bank account when it was due XX/XX/XXXX. This was not because of anything I did ( low balance, etc ) but because of a " Terms and Conditions '' I agreed to over 5 years ago when I set up my loan to be paid off with automatic payments in XXXX of XXXX.
It is unreasonable for a consumer to be expected to remember one specific detail about Terms and Conditions ( that 99 % of people don't read anyways ) five years after for a clause that only kicks in at the end of the 5th full year. 59 of 60 payments made on time exactly ( not to mention 15+ years of always on time payments to all other financial responsibilities I've had ). The other issue is they create confusion by continuing to report auto-pay is turned ON for even once at the final payment time showing it is still enabled - which is very confusing for a consumer to understand what is going on ( see attachment for proof ).
As soon as I became aware of this, the final payment was made same day. I had absolutely zero financial motive to withhold a payment, nor did they do their part to call or email me letting me know any of this was happening. If it weren't for optional credit monitoring I chose to subscribe to, the first time I would have found out about this could quite easily have been the day they opted to repossess my car.
That is an incredibly scary position to be in for a consumer and is a policy I believe takes advantage of consumers to ruin their credit ( my score dropped 111 points because of this one miscommunication ). I further believe they are misinterpreting the Fair Credit Act ( FCA ) and that they do not actually have a requirement to leave this delinquent mark on my credit reports for a policy entrapment they themselves set.
|
| 12/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Between XX/XX/2023 XX/XX/2023 money has been taken from my checking account fraudulently via on-line orders with my debit card for TD Bank. Many many dates, times, amounts, places, in the XXXX and other countries. The XXXX has labeled bank statements for every fraudulent transactions as well as denial letters from TD bank to return my money the XXXX also has copies of XXXX data breachs resulting in the release of all my personal information, XXXX breach happened XX/XX/2023 and the other taking place in XX/XX/2023, i was informed by letter from both companies in the month of XX/XX/2023. Whom ever is responsible also depleted my XXXX XXXX SSDI payment for the month of XX/XX/2023. As far as TD bank I sat in the branch for XXXX hours multiple times with concrete evidence that I was not responsible for debit transactions, example XX/XX/XXXX I was in XXXX XXXX XXXX XXXX Rhode Island XXXX while my card was being used in XXXX Georgia for XXXX new phone, restaurants, and shopping. I brought the hospital paperwork along with my bank statement for that date into the XXXX RI XXXX, I was called a liar by XXXX Banks XXXX XXXX, and once again I was denied my money back, Approximately XXXX dollars in total has been stolen from my account. Each complaint I filed was denied replacement of my money, XXXX complaints denied 3 times. I received a text message on XX/XX/XXXX from TD bank XXXX department asking me if I was paying for food at XXXX, I responded NO. My phone rang immediately, it was TD bank XXXX department the man on the phone again asked if I was making a purchase at XXXX restaurant, I replied again NO, at that time I informed him I was home, and I asked where XXXX was, he responded Georgia ... ... I was home in XXXX XXXX Rhode Island, that charge was STILL removed from my account.
|
| 07/03/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
On XX/XX/XXXX we purchased furniture from XXXX XXXX in XXXX, Nv on a credit card interest free contract with TD Bank Retail Card Services. When i received the bill I noticed charges were more than the sale price. XXXX refused to do anything about it. So, rather than fight with them I took the balance due, divided by the months that I had to pay off before interest would be accrued less one month to insure it would be paid off by due date. That came to {$75.00} a month as of statement balance on XXXX of {$1500.00}. Due date to pay off before interest accrued is XX/XX/XXXX. I set up auto payments with my bank to pay on second wednesday of every month to insure that payment would be received before the XXXX due date on statement. I received a letter from TD retail card services informing me that I owed XXXX more on my next payment plus {$83.00} minimum payment. I called them and they said because my payment was XXXX short of the {$83.00} required each month they charged me XXXX fee. The rep did say that it wasn't a late fee because they did receive my payment on time. The fee was because my payment was short by {$8.00}. They charged me this fee for two months. The rep was very rude and would not reverse the charges and she then said that they required XXXX a month. By requiring this amount of payment they are actually shortening my contract by three months!! Statement balance without fees as of This is fraud at its best. Instead of my contract having a due date of XX/XX/XXXX they are collecting to pay off contract by XX/XX/XXXX. This is a breach of contract!!! How can they be allowed to do such illegal practices? Because you are a government entitiy, I hope you will look into this matter. This is illegally changing a contract to their likings and advantage. This is criminal.
|
| 09/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. XXXX XXXX XXXX violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
|
| 02/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I discovered this morning that my credit score decreased by 45 points so I started investigating what happened. TD Auto Finance, with whom I have two auto loans, apparently reported that I missed a payment on one of them. Since I pay by auto draft for both loans, I reviewed my bank account for the past few months and confirmed that all payments had been made. So I called TD Auto Finance and found out that the missed payment happened in XXXX on my XXXX car, and that I have been charged a {$21.00} late fee every month since and now owe {$680.00} in late fees. I have never received a statement for either vehicle in the mail on in an email. In XX/XX/XXXX, I missed a payment on my other vehicle, a XXXX car, and TD Auto called me and I immediately paid it with a debit card over the phone plus the late fee. I had no idea that I had missed a payment in XXXX on the XXXX vehicle since I never received any statements or any sort of notice of the missed payment. Yet they continued to charge each month for the late fee. Then they didn't report the missed payment to credit reporting agencies until 2 and 1/2 years after the missed payment, conveniently racking up {$680.00} in fees over the years. I have talked to several representatives TD Auto Finance and they insist that they mail statements every month, but I have never received one for either vehicle. They also insist that they report missed payments to credit agencies every 30 days which obviously they don't. I asked two of the reps to speak with their superior, and they said they were transferring me but instead both hung up on me. I am in the process of trying to secure XXXX funding for business expansion but was denied the loan I was originally offered because my credit score dropped so much while the loan was in underwriting.
|
| 06/15/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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|
On XX/XX/XXXX, I faxed a dispute form to TD Retail Card Services ( aka XXXX XXXX XXXX ) disputing the full amount of their claim ( {$3400.00} ). I provided them with the correspondence from the customer service department at XXXX XXXX stating that I would not be charged and would close out my account. XXXX XXXX has never responded to the email from their CS representative ( original dispute attached ). Since this time I've submitted a second dispute dated XX/XX/XXXX, which has also never been addressed ( dispute attached ). As recently as XX/XX/XXXX I spoke with XXXX ( ID # XXXX ) and she confirmed that my dispute is still under review as was last looked at on XX/XX/XXXX. I received a letter dated XX/XX/XXXX threatening me with collections, even though they've not responded to my dispute in almost 170 days. On XX/XX/XXXX they assessed a late charge of {$16.00} and on XX/XX/XXXX another late charge was assessed for {$38.00}, not even 30 days after the first. Per the Fair Credit Billing Act of 1974, while a debt is in dispute no threats of collections or late fees may be levied ; yet, they are doing so. I've also send electronic communications on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( all attached ) and the response has been that they will resolve the matter in no more than 2 billing cycles, or not greater than 90 days. I've still not received a letter on any ruling on the dispute and XXXX XXXX corporate is not responding to TD Retail Card Services. This is now clearly in violation of my rights under the Fair Credit Billing Act of 1974 and I'm owed {$590.00} that was remitted on XX/XX/XXXX to ensure that my 37+ year pristine credit history and exceptional credit rating is not tarnished due to their lack of execution of my dispute.
|
| 08/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
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Hi Consumer financial Protection Bureau, I want to complain and get information about how to proceed in order to sue or get an economical reimbursement from TD Bank, i opened an account in New York around 6 months ago and since the beginning since it is a personal account i opened as a tourist to use XXXX and get better prices to purchase flights and stuff i was suposse to get proper support in case my account has issues.
like a month ago i place a request for a strange charge in my account, my account was locked and was hard to use my debit card, one agent reached me and i ended up having everything resolved with her after a bunch of calls with ither agents, the main request made was reviewed afterward and also delayed for about 2 or 3 weeks and the company closed my debit card even though i stated over call more than once that i am not in the country so i can not go to the bank phisically to get a new debit card or things like that.
Even thought i clarified repetedly that i was not able to go ( and it should be listed in the account ) and also i asked to be reached by mail or to the uruguayan phone listed in the account, the agent who handled this case after it was resolved and also delayed took actions without my consent, in consecuence of this i have NO WAY to use my money and i need to pay things and also flight to XXXX and also to XXXX, TD Bank and their customer service in general jeopardize my finances and this is costing me a lot of stress.
The customer service company policy states that they review and contact back after 24 hours and they answer this weeks later and took further actions without reaching me, i find this odd and incredibky disrespectful as an international user of the bank.
This is a nightmare, hope you can help me.
Thanks in advance!
|
| 02/28/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
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I was logged into my TD Bank online account for my TD checking on XX/XX/XXXX. When exiting online session I was presented with online ad for the TD Bank XXXX XXXX open a new TD savings, deposit $ XXXX in new money within 20 days and keep on deposit for 90 days to receive {$200.00} bonus. Sounded great so I opened online on XX/XX/XXXX. I made the $ XXXX deposit on XX/XX/XXXX in person and asked XXXX to confirm my eligibility for the promotion and she said I was " all set ''. On XX/XX/XXXX I sent a message thru TD Secure Message center as I did not see the {$200.00} promotional credit. I was told in a reply that the $ XXXX deposit was 6 days after deadline but that was not correct. On XX/XX/XXXX I told them to review calculations as I made deposit on day 17 before the 20 day deadline. They confirmed the calculation error and I was then told it should be credited later that night. It was not. On XX/XX/XXXX I called TD call center. XXXX said he agreed that conditions were met and didnt understand why it wasnt credited. Said he would escalate to XXXX and it should be credited shortly. It was not. On XX/XX/XXXX I called call center at XXXX spoke with XXXX but got unexpectedly disconnected. Called back at XXXX spoke with XXXX but got unexpectedly disconnected again. Called back a third time at XXXX spoke with XXXX who claimed there was no record whatsoever of XX/XX/XXXX call ( although I got an email Survey from TD Bank for the XX/XX/XXXX interaction ). I asked to speak with supervisor and was transferred to XXXX who now claimed that promotion was only eligible for brand new customers, not existing customers. I have screen prints of all promotion details that were presented during my online session and there is no notation that promotion is only eligible for new customers.
|
| 02/26/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
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|
I received a phone call from T.D. Bank advising me that my account was in a delinquent status. I was baffled and informed them that I have payments set up automatically each month through my bank & havent missed a payment. They informed me that although they were receiving payments each month, they were posted after the due date, thus the late fee. I informed them I could move the deliver by date or even set up Auto pay through them to fix the situation and asked that they waive the late fees. They refused. Another issue is that I was unaware of the delinquent status of my account until months later. I mentioned I never got a phone call, voicemail or letter from them until months later. In fact, when I spoke with the collection agent I informed him I hadnt received anything and he confirmed he didnt see any letters sent out ( their calls are recorded so they can verify this ). A week or so later I received all of the letters at once. Had I been notified sooner I wouldve rectified the situation. I spoke with them again today and they said they were only willing to waive 1 late fee, but there was still {$210.00} past due. Had they called me or sent me a letter after the 1 late fee was assessed I wouldve made sure to correct the situation. Instead, they waited until a substantial amount of late fees were stacked up and then made an effort to reach me. All in all, I find this very unethical on their part and just want to resolve this matter without it effecting me further. I dont know if this has already impacted my credit score, but I will look into it. Im seeking the reversal of the late fees and to set up auto pay directly with them. I dont go around not paying my bills. Ive been treated unfairly and just want to make this right without taking food off my familys table.
|
| 12/05/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
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Web |
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I was looking for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX online since this card has been sold out from XXXX. I came across a listing on XXXX for this card. It mentioned it was slightly used and was selling it for XXXX. On XXXX this exact card is going for over XXXX. I offered XXXX and he excepted. I asked about payment and he said he excepts XXXX. I continued to send payment for XXXX on XX/XX/20. On XX/XX/20 XXXX texted me back saying that I need pay XXXX additional for shipping and insurance. I advised him that I don't need the insurance and would only pay the shipping. He was then harassing me to send me him money. He started at XXXX, then XXXX, then XXXX. I simply said no and this doesn't sound right. I said no deal and send me my money back. Also, he was using a different phone number as well for the texting. It was XXXX XXXX XXXX XXXX. Since XXXX I have been bothering him to send me my money back and at one point he said he would on XXXX but it would have to be a wire transfer. I told him to stop play games and send my money back. I also sent money request through XXXX and he continued to decline them. I gathered this information that i have from a website XXXX
I bank with TD Bank and when I informed them that I was a victim of this scam they would not do anything to help me get my money back. I have 3 accounts with TD and a long standing customer. They simply refused to help me. They said I can open a case but most likely they can't help. This is outrageous that I can not rely on my bank to help me at all. Now I filing complaints all over the internet on my own from being a victim of this scam. Next item is XXXX, they also said they can not help. Companies like XXXX, and XXXX protect their customers but seeing that XXXX and TD are not willing to do anything.
|
| 04/03/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
I called in to make a payment to Target Credit Services on XX/XX/XXXX. I had been going through a lot with my XXXX being in and out of hospital since she was XXXX and so I was forgetting to pay the Target card. I decided to pay it off and close the account. I did the auto pay. I didn't know it at the time, but I had accidentally entered an extra " XXXX '' in the checking account number. The payment did not go through. I got another bill and called to find out that the payment did not go through on XX/XX/XXXX. I spoke to a representative and made a payment over the phone. I read my checking and routing number from the check I was holding in front of me to the representative. 1 week later I called because I was I did not see the withdrawal from my account. The credit card representative assured me that the payment had gone through and my balance was XXXX.
I received another bill at the beginning of XXXX showing an outstanding balance. I decided at that point to just write a check and mail it on XX/XX/XXXX. The only reason I was calling was to get the payment in ASAP, but I continually had problems. I made a complaint to XXXX XXXX XXXX when I saw that they were constantly having trouble receiving my payment.
The check finally cleared. I called Target because I saw that my credit score was being affected. I spoke to a manager to find out what they had taken down in XXXX for my checking account number. I found out that they had an extra XXXX still in the checking account number that didn't belong. I explained to the manager that I read the check number verbatim and there should not have been a problem. The manager told me that she believed that the checking number was not updated by the representative from when I tried to make payment in XXXX.
Thank you, XXXX XXXX
|
| 05/15/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
This is a complaint about TD bank 's online service. I added my bank accout on line and scheduled automatic payments on XX/XX/XXXX. TD Bank states that my bank account was added for payments but payments were not scheduled. I know for a fact that i not only added my account but set up recurring payments. I have a printout that states as much. But TD bank states that it is not their problem.
I contacted TD Bank on XXXX and told them about their website error. I then asked to speak to a manager and they said someone would call me within XXXX hrs. NO one ever called me back. I spoke to a rep on XX/XX/XXXX and they stated once again that a manager would call me. Once again no one called. i once again contacted TD bank on XX/XX/XXXX and was told a manager misunderstood my request and that I would have to wait another XXXX Hrs. At that point my payment would be late again, I had to make a payment.
On the night of XX/XX/XXXX I finally received a call back from a manager. The manager immediately lied and said that another supervisor called me back on XXXX. After I explained that all 3 reps i had previously spoken to had verified that I had NOT receieved a call back. furthermore while on hold, i pulled up phone records and i verified that no call was ever recieved or message left. After pressing the supervisor on why she lied, she admitted that she was making assumptions and did not really know. The Supervisor also admitted that there was a server error on the day i set up my automatic payment but that it was in another department.
This company repeatedly lied to me and only had a supervisor call me back after payment was received. Their website is horrible and has a lot of errors. If an error is experienced you might not know and it is the customers fault not the banks.
|
| 11/28/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
My auto finance loan was set up for auto pay. The last payment of my loan was never automatically taken and I had no idea. I had bought a home in XX/XX/2108 and I had moved from my apartment. My address was never updated. I never received a letter from TD Auto Finance that I was missing my very last payment of a 6 yr loan that I had paid monthly on-time, every time. I assumed the car loan was paid off. Around XXXX I received some vague phone calls from TD autofinance asking me for my information to confirm who I was. At first I was skeptical as I had no idea what they were calling about because they refused to give me any information and I thought the call was someone trying to obtain my personal information. I then logged into my TD bank account and realized I still had a balance which I didn't know why. I finally called the TD Bank phone number back and was told that since my payment was for less than my monthly payment, the Auto Payment wouldn't go automatically. I paid the balance on the phone that day and thought everything was ok. I recently applied for a credit card and was denied due to my credit report. I obtained my credit report and it states that I have bad credit due to this incident with TD Bank Auto Finance. I am unsure why this wasn't cleared. To date I still do not have any letter or email notifying me of my payment being overdue or the threat of this ruining my credit score. I am very upset since my credit has always been relatively VERY GOOD and this error was not entirely my fault. Shouldn't I be notified via email or at least within 30 days by phone of this issue and not 90 days later? What is TD Bank 's gain for not clearing this? I can't even login to their account for additional information because they closed my account since my loan is done.
|
| 03/13/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On Friday XX/XX/XXXX, at approximately XXXX XXXX XXXX, made a XXXX transaction to my bank account for {$500.00}. As per TD Bank 's Mobile App, the money was to be deposited in my account " within minutes '' as it always has been with XXXX since the very beginning. The whole purpose of XXXX is to receive and send money instantly. We have used this service several times and there was never an issue. On XX/XX/XXXX at approximately XXXX I spoke to XXXX a supervisor at TD Bank. There were numerous excuses given regarding their policy and XXXX 's policy. Point of the matter is this : TD Bank allows XXXX to tell customers " available within minutes '' when sending a transaction and once the transaction is processed, the customer receives an email advising the money won't be available for 3 days. " next business day ''. this is defrauding customers who use the XXXX service on TD bank mobile app. Furthermore, no one at TD bank could tell me where the money is located. The monies have been taken out the sender 's account and not put back nor deposited where it should be. Who gave authorization to XXXX or TD Bank to Hold on to the money? TD will not accommodate customers, their response is we can cancel the XXXX transaction and you can resend the money with hopes that it will be available within minutes and if not oh well you have to wait 3 business days for the transaction to " clear '' it was a money transfer from TD bank to TD Bank-wait for it to clear? TD Bank did not want to take the extra step to contact XXXX Thier response to get me off the phone was " Ma'am there is nothing we can do about it '' meanwhile, about 3 weeks ago I was a victum of fraud were almost $ 5k came out of my account and what do you know that was instant, " within minutes '' as XXXX likes to portray.
|
| 02/13/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I opened a Beyond Checking TD account and savings account online on XX/XX/2021. As soon as I opened it it gave me the option to fund my bank accounts via direct deposit from my current bank. I direct deposited {$2000.00} into my TD checking account and {$20000.00} into my TD savings account from my current bank, XXXX. It left my XXXX account on XX/XX/2021. I received the funds in my TD account on XX/XX/2021 and was able to see it in my TD mobile banking app. On the same day XXXX received it, that night I received an email that my TD account is locked and to visit a branch. I visited a TD branch on XX/XX/2021 and they unlocked my account. My {$2000.00} deposit was in my TD checking account, but my {$20000.00} was gone from my TD savings account. They told me that I would see it back in my account later that day. It never came back. The next day on XX/XX/2021, I returned to the TD branch and they told me that TD reversed the {$20000.00} deposit and it should be back in my XXXX in 3 business days. I waited 5 business days and I still never received the {$20000.00} back in my XXXX account. I went back to TD bank on XX/XX/2021. TD said they didnt have the funds because it was sent back. They had me call XXXX and XXXX said they hadnt received any funds from TD. Then TD said they would have to call XXXX, which they explained to me as the middle man between the two banks. I came back later that day to the same TD branch and was told that someone at XXXX was assigned to find my {$20000.00} and a claim had been made. I was told I would hear back from them the following Monday. I never heard from anyone. I went back to the TD branch on XX/XX/2021 and they had me file a claim with XXXX bank. It is now XX/XX/2021 and I havent heard from either bank about where my {$20000.00} is.
|
| 08/03/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
XXXX XXXX Thursday, XX/XX/XXXX I called TD bank they told me I have to come in to set up online banking. I arrived shortly after I arrived @ TD bank XXXX XXXX supervisor Im formed me of 3 open accounts that I had open recently I called TD bank they told me to come to the office to sign a document that was n't known to me stating that they get my funds I was lied to by XXXX XXXX informed me nothing instead told me I was signing for the 3 accounts I my signature was not authentic because I was n't aware of the fraud That was being played on me I made 3 deposits in 3 accounts all totaling over ten thousand dollars and the say that there was no deposits ever made a lie XXXX said that they may close my account due to an old account that I owe {$250.00} because of a charge off account # XXXX was closed on XX/XX/2015 that 's why they had to closed my accounts which I never had access to. Other than atm deposits she called a number which is XXXX I called the same number it said that was no account which I was lied to about a charge off for {$250.00} she got caught in a lie and then called the police stating she did because I did n't have a shirt on which cameras prove I did have a shirt on police come and threatened me that the owner said if I comeback to lock me up for trespassing. When they wanted me to make a deposit in that branch to get online access to my account this was a scam from day one I feel that my account and personal information has been compromise by TD bank ceo/staff I have a lot of identity theft being used in my name I 'm reporting fraud and identity theft I was forced to sign papers that breach of contract please help I 've tried countless times to resolve this matter please help me resolve this matter city of XXXX police threatened me XXXX and partner.
|
| 01/23/2017 |
Yes |
|
|
|
Web |
Older American |
|
On or about the XXXX of XXXX XXXX I made an application for a Nordstrom credit card online. Before submitting the application I called the company because I could not get the application to go through because it required an expiration date for my State ID. I do n't have an expiration date on my ID because in the State of Illinois when you are over XXXX years of age your ID no longer has an expiration date.
After explaining this to a woman at Nordstrom credit. She advised me to submit the form and it went through.
A few days later I got a letter from Nordstrom dated XXXX XXXX, XXXX stating that my application was turned down because of an account that I had with Nordstrom 's that was charged off.
Since I had no recollection of such an account I called Nordstrom and was advised that according to their records I had an account that was charged off in XXXX.
I then called the company that had purchased the charged off account and I was told that I had discharged a Nordstrom account in a bankruptcy that I filed in XXXX.
I have been working to build my credit for the past 2 years and look at my credit reports at least once a week.
None of the credit reporting agencies are showing the XXXX bankruptcy nor do they show any Nordstrom account that is past due or delinquent.
The bankruptcy was discharged in XXXX. Since that time I have been working to repair my credit.
After speaking with the company that bought the debt I tried a total of five times to call Nordstrom credit and could not get through. When I left my number for them to call me I received no return calls.
I feel that I am owed an explanation as to how they came to the decision to deny me credit. This is the first time I have heard of a company that uses a 14 year old bankruptcy as a reason to deny credit.
|
| 12/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
This complaint is against TD Bank located in XXXX XXXX XXXX XXXX XXXX, XXXX, RI XXXX. On the date of XX/XX/2022 I called via telephone Td banks customer service to file a claim in regards to my experience with their atm. After attempting to open a dispute in person at the branch the very next day and being told by XXXX of the supervisors there was nothing she can do at the time. Saturday, XX/XX/XXXX at approximately XXXX the lobby being already closed for the evening. I deposited money into the atm closest to the window. Having already counted the money and taking all necessary steps to make a deposit. I inserted a total of {$1000.00}. Specifically XXXX {$100.00} dollar bills. I heard the machine process the funds but amidst there was a software glitch. The atm spit out my card and swallowed my money leaving the screen white with no receipt for proof of deposit printed. Unaware of what to do next I called my mother and did as suggested.
Back to the beginning, disputing the charges over the phone. Making a few phone calls in between, with the little time I had transitioning between school, home, and employment. I would contact customer service to be reassured every time that the investigation was being handled. XX/XX/2022 reviewing my account I would notice that a deposit of what I would presume be a provisional credit of {$1000.00}. 18 days later upon completion of their investigation I would find out the credit was reversed. Leaving my account overdraft. Left to dial customer service to speak to a rep and be told a letter was mailed dated XX/XX/2022 stating my claim was denied. There was no system error found. So back to square one re-opening an internal investigation. Stepping into the branch once again. Being spoken to in a way where theyre labeling me a hoax.
|
| 07/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
My outstanding balance of {$1000.00} was due on XX/XX/2022.
On XX/XX/XXXX, at XXXX am, I submitted a payment of {$1000.00}. record shows it was processed on XX/XX/XXXX.
On XX/XX/XXXX, without my consent the TD credit card, processed another payment of {$980.00}.
This led to a chain of events cause me financial and XXXX pains. It started with over draft fees, maintenance fees, interests for other credit cards companies, and penalty for nonpayment for other credit cards companies.
In addition I spent more than 10 hours, on the phone with the bank, TD credit card and other credit cards companies to contain the harm that was done by TD credit card.
On XX/XX/XXXX, I filed a complained with TD credit card and requested that they cover all the fees and asked them to provide me with a response by mail. I didn't receive any.
On XX/XX/XXXX, I contacted TD credit card and requested update. I was informed the issue was resolved. I explained that I didn't receive any response and I don't know what they mean by " resolved '', they informed me that the payment of {$980.00} will be transfer to my future balance.
I explained to them the disaster chain of events they created and requested the following : 1. apology letter 2. {$500.00} compensation for my time and the pain I experienced XXXX. {$100.00} to cover the fees that was created by their action.
I informed the associate that TD credit card has until XX/XX/XXXX to response.
The company denied all my requests. I asked them to provide me with the government agency that oversee their company, the person I spoke with requested to consult with her supervisor, then she informed me they don't have any info about any government agency that oversee their company. She said I could contact the credit reporting agencies.
|
| 02/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My timely mortgage payments were incorrectly applied as " ADDITIONAL PRINCIPAL '' and " MISC RECEIPT ''. As a result, I have been charged multiple late fees and my account was reported delinquent to all 3 credit reports. This caused my XXXX score to drop XXXX points and credit card companies to cut my credit lines.
Attempting to get this corrected with TD Bank has been a nightmare. There are two groups involved, the mortgage servicing group and the collections group. They use different computer systems, can not see the same notes and information, can not/ do not talk to each other, and updates on one side can take " several business days '' to be viewed by the other side.
The result is a multi-hour phone tag where I am continually transferred from one group to the other. I am repeatedly told by the servicing group that they see my account is still in forbearance, which obviously makes no sense since at the same time they say I have payments due and am delinquent.
When I call the collections group, they assure me that there are " notes on the account '' to fix the issue, but they can't actually fix the issue, nor can they tell me when this will be fixed, nor am I allowed to talk to anyone with any authority. I'm fed up with this and it's a waste of my time.
This whole issue began because TD Bank changed my mortgage payment 1 month after forbearance ended, which caused my original XXXX payment to be {$40.00} short. ( I thought escrow adjustments were supposed to be made only once per 12 months? ) I didn't know about this adjustment because in the year 2022, TD Bank does not have online mortgage statements. Even though I immediately made the extra {$40.00} payment once informed in XXXX, this still has not been applied and my account remains delinquent in XXXX.
|
| 04/18/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
We had a loan with TD Auto Finance on our XXXX XXXX XXXX XXXX . On XXXX XXXX XXXX we purchased a new home. Part of that purchase required us to pay off our car loan with TD Auto Finance. A cashiers check in the amount of {>= $1,000,000} was sent on XXXX and the vehicle was paid in full. At the same time we were negotiating a settlement with XXXX XXXX XXXX XXXX on the XXXX XXXX XXXX XXXX . We had a claim in progress at the time of paying the car off. The appointment to present the car was on XXXX XXXX XXXX . We took the car and title to the appointment. XXXX paid us a total of {$28000.00}. {$14000.00} was paid to us and {$13000.00} was paid to TD Auto Finance. TD Auto Finance received that payment on XXXX XXXX XXXX . First we were told that the funds had to be held 21 days and they would then be mailed to us. We called in 21 days and the story changed to 31 days, then to 45 days. To make a long story short their story changed every time we called them. These funds are court settlement funds and should have been forwarded to us, instead TD Auto Finance cashed our check and they have held the funds every since. Today is XXXX XXXX XXXX . TD Auto Finance states that on XXXX XXXX XXXX they returned the funds to XXXX XXXX XXXX XXXX by regular mail. We have been in weekly contact with XXXX XXXX XXXX XXXX and to date the check has not been received. We calle d TD Auto Finance XXXX XXXX XXXX and the check has not been cashed. We are getting no response from either TD Auto Finance nor XXXX XXXX XXXX XXXX and our court settlement payment of {$13000.00} has not been received. TD Auto Finance has held our funds hostage since XXXX XXXX XXXX .
|
| 09/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Last Tuesday, XX/XX/XXXX, I attempted to buy gas with my debit card and was told it didn't work knowing full well that I had plenty of money in the account. I came home, tried logging into my online banking and was logged out. I called and spoke to a Fraud specialist at TD Bank and they told me that at XXXX that afternoon, some one pretending to be me went into a TD branch in XXXX and they closed out my card and had a new one created for themselves while impersonating me. They also attempted to use the new, fraudulent bank card at a XXXX XXXX XXXX branch nearby but they were unable to take any money out The following day, the XXXX I went into my local TD branch and I was able to close my old bank account and transfer the funds into a new account. I met with a XXXX police officer and filed a police report.
This week, yesterday the XXXX, I came home from work around XXXX to find 8 large furniture boxes from XXXX in my driveway. I did not order this so I called the XXXX police and went to a drs appointment. When I returned the boxes were gone. A cop had driven by my house around XXXX and they were gone. After my appointment I met with a police man to file another police report for the new situation. I called XXXX and talked to their fraud department. They told me that the order was placed XX/XX/XXXX for about {$4000.00} worth of merchandise from XXXX. They have already had 2 bed frames with headboards delivered and stolen from my house XX/XX/XXXX. There are still items coming so XXXX tried to redirect the items to a XXXX center. They also alerted me that these people created a new gmail account using my full name. They also opened a XXXX XXXX XXXX account although I can not see this on any credit report. I also froze all of my credit last week when this happened.
|
| 04/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
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|
On XX/XX/XXXX I made a payment of {$530.00} to my credit card. The payment was received and shows as received on the statement and it additionally left my checking account. The Payment was placed on a " PYMTMONYHOLD ''. I called in that day to inquire as to why the payment was on a hold and the representative told me that they needed information from my other bank. I then called my other bank and they informed me that the money was transferred to TD and left my account so there was nothing to be done on their end. I called again on Thursday and spoke to a different representative that informed me the previous rep had lied to me about why the payment was placed on a hold. She told me that the payment had in fact been received and they were not waiting on any information from my bank and that the payment was simply on hold and would be released in 7-10 business days. My mother then informed that my line of credit and cash should not be tied up if I did indeed make the payment and the payment was received. I called again XX/XX/XXXX and spoke to " XXXX XXXX '' who could not answer any of my questions as to why the payment was on hold. He also refused to let me speak to someone higher up and simply repeated the same information I have on my credit card statement that it is a " Payment money hold ''. I make payments from this account every month and my money has only ever been " held '' twice. Before I did not know that they had a responsibility to release funds upon receiving payment, but now that I do feel taken advantage of because I am now without cash or a line of credit. My payment is also due by XX/XX/XXXX and they are holding my payment until XX/XX/XXXX and have essentially frozen my account until the next payment cycle, and has also left me with limited cash.
|
| 04/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
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I was in the XXXX are of XXXX on XX/XX/2023. I got up at a private home, packed the rental car and drove to the airport. I made one stop to get gas, and that charge appears on my TD credit card statement and is legitimate. I then proceeded to the airport and did not use the card again in XXXX. When I got home and saw my transactions, I noticed that after the gas station charge there was another charge in the amount of {$310.00} US dollars for an alleged purchase at a restaurant called XXXX XXXX XXXX XXXX XXXX. I have never heard of that business, have never been to that business, and did not use my credit card at that business on XX/XX/2023. I searched that business name on line and the only thing that comes up is a business in XXXX XXXX that says it is temporarily closed. ( I was not anywhere near XXXX XXXX on XX/XX/XXXX. I have never been to XXXX XXXX. ) I suspect that when I was at the gas station, an unscrupulous attendant ran the card twice, once for my gas and then for a fraudulent transaction. On XX/XX/2023 I faxed TD Bank a dispute based on fraud with TD Bank and while they issued a new card number to me, they denied my fraud dispute the next business day because I was in possession of the card. Yes, I was in possession of the card -- I didn't lose it and it wasn't stolen. But just because you are in possession of a card doesn't mean that fraud can not occur. I question whether TD Bank even investigated the matter based on how quickly the dispute was denied. For example, did they try to contact the merchant in XXXX to see if they were a legitimate business? I doubt it. I do not think a proper investigation was conducted and am therefore filing this complaint. Just because the card was in my possession does not mean that fraud did not occur! Thank you.
|
| 05/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
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On XX/XX/2022 I basically have had a Target XXXX XXXX MasterCard for several years okay baby about I want to say three or four years ago we can paying them it started I got into it before the pandemic started off so I got into some financial hardship where I was unable to really pay them so I got in the payment program held up my end of the agreement and made the payments on time since then it's been about I want to say about 4 years later okay I received mail on XX/XX/XXXX and basically when I look for open my bill I still have a balance with them for {$4000.00} they cut my credit limit down again this is the second time that they did it Target is doing this out of XXXX I have been working very hard to get my credit up the part where did my credit has gotten really really good to the point that I just was approved and opened a XXXX credit card does she have to have a really high credit score I've been bringing a lot of my balance is down I haven't been late I haven't been told why either paid several of my accounts off with my credit score is is pretty good I feel it's a deposit he's doing this out of XXXX I've called them about this in the past and basically I get shunned away and say oh well you just have to read the mail why we're not going to admit we decreased your credit limit trying to say that I had seen any hide that two ratios trying to say that I had seen any inquiries in all of that and I'll be paid their basically doing it out of XXXX I have even and y'all can pull my credit report and are authorized all to see that as well I haven't even got credit line increases or several of my credit card because I've been making my payment and paying over and doing such a great job Target is doing this out of XXXX and something needs to Don about the antics
|
| 09/29/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
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I wanted to lease a safety deposit box with TD Bank. They forced me to open a checking account to do this. I did in XXXX XXXX and deposited {$210.00} into the account. An {$80.00} charge was taken out to pay for the safety deposit box. The balance should have been {$130.00}. As long as the account balance stayed above {$100.00} I was told I would not incur any fees. In XXXX XXXX an electronic transfer for {$66.00} was done against my account. I did not perform this action, but someone else must have hacked their system. I was unaware of this because I turned off paper statements because they were charging me a fee for that. Since I had no intentions of using the account, I had no reason to check online statements as my balance should have stayed the same. Once the {$66.00} transfer was done, the balance fell below {$100.00} and TD Bank took out $ XXXX in fees. Again, I was unaware of this because I was n't checking online statements. Today, XXXX/XXXX/XXXX, I received a letter in the mail that my balance fell below {$0.00} and I should correct it at once. This was the first time I became aware of any activity on the account. Once I found out, I called the local branch. An unhelpful lady without compassion told me about the {$66.00} withdrawal and the subsequent fees. She told me to come by in-person. Once onsite, I was told there was nothing that could be done since the hack occurred more than 60 days ago - not sure why I was forced to be in person to be told they could n't do anything. She also implied it was my own fault since I was n't checking the monthly statements. The Cust Service I received at TD Bank was horrendous. My money was withdrawn behind my back and I 'm told it was my own fault. I thought the bank was there to protect my money, not steal it???
|
| 08/17/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I lost my card back in XX/XX/XXXX I have been calling XXXX and trying to dispute these fraudulent charges that were made. I called XXXX in XX/XX/XXXX and XX/XX/XXXX to have a card mailed out to me and it never arrived. I have written multiple letters to XXXX in regards of the fraudulent charges and I've even filed 2 fraud claims against these charges and late payments that occurred. they have failed to notify me by mail with the results of my claims. the last claim that was filed was in XX/XX/XXXX. I got off the phone XX/XX/XXXX to find out the results of my claim and they yet again mailed it to an incorrect address. every time I have called XXXX in regards to the lost card they never mailed me a new one I've had the statements mailed to me and they do not go back far enough from when the fraudulent charges were made that I specifically requested for. they recently closed my account due to inactivity since I have not had the card. there was a debt that was owed that I paid because I did not want an outstanding debt in my name, the balance was paid in XX/XX/XXXX .And they still reported me late for the month of XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX even though I had paid it. come to find out my payment never went through due to an issue with my bank and automatic withdraw. I have tried everything to get this information corrected because it is an accurate, the charges and late payments that were made from XX/XX/XXXX to XX/XX/XXXX were not do to me. I have disputed it directly with XXXX and directly with the credit reporting agencies. XXXX had removed the account entirely from my report so there must have been something that they found that that supports my claim. This has caused me a lot of stress and heartache and I really just wanted to get it resolved.
|
| 12/14/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
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Web |
|
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1. Attempted to use credit card at XXXX - card held since XXXX - declined at register 2. Called XXXX credit services - informed that a charge was unpaid from XXXX XXXX for {$79.00} - with penalties and interest balance now {$330.00} - never received statement and never received telephone calls or dunning letters 3. Informed that mailing address was changed to a XXXX XXXX XXXX in XXXX, MA where bill was mailed - I did not change address - asked for receipt of purchase and to reverse additional charges 4. Informed agent that we had lived at our address for 12 years and had the same telephone numbers. Recently moved to new home in XXXX XXXX but left forwarding address with post office. There was an odd number on file at XXXX which we have never listed.
5. Told to dispute charge with XXXX XXXX at specific address - mailed letter on XXXX XXXX, XXXX for further investigation as to charge and address change 6. Received letter from XXXX XXXX XXXX - requesting payment 7. Wrote dispute letter to XXXX with copy of dispute letter from Target 8. Filed complaint with Attorney General 's Office in Massachusetts 9. Called XXXX - representative claimed no receipt of either letter - requested email address and emailed copies of my letters to collection agency 10. Email received stating collection process would be temporarily stopped while under investigation 11. Received call from XXXX on behalf of AG - contacted XXXX - requested copy of receipt, reduction of charges and removal of item from credit report 12. XXXX unable to find documentation concerning dispute - could not offer any information other than to call collection agency and ask to settle for lesser amount.
.13. XXXX unable to persuade XXXX to help - agent from the office suggested I file a complaint with the CFPA
|
| 05/18/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I opened a new TD Bank checking account at the end of XX/XX/XXXX. This was after receiving a mailer about an opening bonus and I decided to take advantage of it. The account was opened on XX/XX/XXXX. The terms on the mailer I received is similar to what can be seen in their current active offer online : XXXX XXXX XXXXXXXX After opening the account I called and verified that it will qualify for the opening bonus offer. They told me that the account qualifies and once the requirements are satisfied I should get the bonus.
Fast-forward to XXXX and I still haven't received the bonus so I called TD bank customer service once again. The rep I spoke with once again confirmed that my account should qualify for the bonus and told me they will investigate and escalate as necessary. I had to call back again at least 2 times after there was no change and they kept telling me the same thing. Finally on XX/XX/XXXX after multiple calls over the last month, I was told that upon review my account was deemed ineligible for the opening bonus because they claimed that the mailer was not addressed to me. They told me that this was the determination of an internal department and when I asked to speak to that department I was told that they do not speak with customers.
Meanwhile, the bonus scheme is still active to date and can easily be accessed online. The mailer I received had me go to a website link to sign up and did not require a unique code to activate the bonus.
Because they refused to escalate and hear my concerns further I've decided to close my account with TD bank. Please investigate as their online bonus offer is essentially a scheme and fraud if it means they are not actually giving people bonuses and are arbitrarily saying accounts are ineligible.
Thank you.
|
| 09/19/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I submitted a payment of {$40.00} from my XXXX XXXX account. Then on XX/XX/XXXX, I submitted an additional payment of {$140.00} from my XXXX account. My statement closed on XX/XX/XXXX, and I received it electronically on XX/XX/XXXX. My statement shows both payments posted and my available balance at {$170.00} as of XX/XX/XXXX. My account online showed my available balance as {$37.00}, and when I called, I was given the same available balance. The next day I called again after logging into my account and still not seeing the other payment, {$140.00}, showing as available. This time I speak with a CSR and was told that the 2nd payment would be available in the next 3 days. It was not so on XX/XX/XXXX, I called again and was told that he did not know why the payment was still not available, but it would be released tomorrow. I log into my account again today and call the automated system and still the {$140.00} is still not available even though my online account says it posted on the XXXX as well as my statement. Both payments cleared and posted to my bank accounts, {$40.00} on XX/XX/XXXX to XXXX and {$140.00} on XX/XX/XXXX to XXXX. It has been 15 days beyond the date of the last payment posting and clearing my bank account so there is no good reason for this payment to have not been made available at this point. Two different CSR people have not been truthful and have only told me what they believed I wanted to hear. I truly believe that they have no idea why it has not been made available, and the guy I talked to yesterday did finally admit that he had no clue. I believe, based upon similar consumer complaints, that I will not be able to resolve this matter on my own. I believe my consumer rights are being violated, and this is just not right!
|
| 04/06/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/2021 TD Bank called my cell phone at XXXX XXXX and stated I had fraudulent charges on my debit card. He stated he was going to cancel my card and reimburse the charges. He proceeded to go over fraudulent charges, keeping me on the phone to ask if they were made by me and I stated no to all of them. The next morning I called TD Bank after I couldnt get into my checking account and had to reset my password and started to thoroughly check my account to find {$3400.00} stolen from my account. I immediately panicked and called TD Bank, I proceeded to have my online account shut/closed down and put in a dispute for the fraud charges. They did an investigation and have denied my claim 3 times stating I approved it through my cell phone, which is absolutely not true. Even with a police report they insist it was approved by me. My XXXX was completely going haywire and I had to go to XXXX to purchase another phone, which leads me to believe the imposter placed some malware/virus sim port scam on my cell phone to be able to approve these cell transactions from my phone number. I have been on the TD XXXX XXXX XXXX Complaint on-line and have seen various complaints stating the same fraudulent activities happening to others with denials from TD Bank. My son recently passed from XXXX XXXX having many bills due to his illness, lost my second job due to XXXX XXXX and to add insult to injury this criminal fraudulently stole my money. This ordeal has caused me a great deal of anxiety and emotional distress after not even a year of losing my son. Would you please be able to assist me in any way to recuperate my money that was stolen from my checking account through XXXX by this TD Bank Imposter?
I thank you in advance for your assistance in this matter.
Thank you,
|
| 10/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
TD Auto Finance Account Number XXXX Vehicle XXXX XXXX XXXX Vehicle Identification Number ( VIN ) XXXX 1st Per XXXX XXXX XXXXXXXX, they XXXX a check for {$3200.00} to be refunded back to the Loan. As of today nothing yet. Per XXXX tracking # it was delivered on XX/XX/XXXX. Per as well XXXX : Regards, MESSAGE FROM BUSINESS : Good morning, Please accept our sincerest apologies. XXXX XXXX should not have promised an email confirmation within the advertised time as we have to submit the cancellation request ( s ) to the carriers and get the quotes that will be refunded. Having said that, we have issued check XXXX in the amount of {$3200.00} to TD Auto Finance. The check will go out today and TD Auto Finance will process the refund at their earliest opportunity. We regret that we failed to meet our own standards and we are working hard to get this new store to meet and exceed the service expectations XXXX customers are accustomed to receiving. While we can not re-write history we can try to make amends for our short-comings. The Customer Service Manager will mail you a gift card as a small token of our appreciation for you and your business. Best Wishes, XXXX XXXX XXXX XXXX.
We submitted an ACH from our XXXX acct. As of today TD has not posted the payment.
Per TD Auto Finance email on XX/XX/XXXX Dear XXXX XXXX, Thanks for scheduling your online payment! Review your payment details below : Transaction # : XXXX Account Number : XXXX Payment Date : XX/XX/XXXX Payment Amount : {$480.00} Apply Payment To : Amount Due TD Auto Finance will apply this one-time payment to your account and, upon receipt of final authorization from your financial institution, a single ACH electronic debit in the amount of {$480.00} will be deducted from your bank account on XX/XX/XXXX.
|
| 02/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Older American, Servicemember |
|
XX/XX/2023 - XXXX documented a " HARD INQUIRY '' from : " NORDSTROM/TD BANK USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' XX/XX/2023 thru XX/XX/2023 - My PHONE, EMAIL, FINANCIAL INSTITUTIONS '' ( 3 ) were compromised resulting loss of cell phone use. XXXX bank froze my account due to suspicious attempts for a credit card, XXXX XXXX recv 'd 5 credit card charges, on 2 different credit cards, each charge was approx {$4800.00} and totaling approx {$25000.00} ). The charger 's ID is : " XXXX XXXX # XXXX XXXXXXXX XXXX '' on bank statement. On XX/XX/2023 I am a cosigner for my sister at XXXX XXXXXXXX XXXX, and her debit card was charged approx {$4800.00}. Specifically, there were charges for {$4600.00} and {$4800.00} ).
My brother and sister are on my XXXX XXXX phone plan, and we are all receiving security codes ( approx 20 as of today ) whenever fraudster attempts to access our phone account and XXXX XXXX sends a verification code.
Actions taken : I have ordered new phone and sim card from XXXX XXXX, I have replaced XXXX XXXX XXXX, I canceled all credit/debit cards and requested new ones, and changed all checking/savings accounts numbers, and filed claims on the credit card charges. I have changed all passwords, pins, security questions. I have requested credit report, placed a freeze/fraud alert on XXXX, XXXX and XXXX. NOTE : Only XXXX showed the Hard Inquiry from Nordstrom! I contacted NORDSTROM TD BANK, and they said a credit card application had been filed and approved, and their fraud dept would be notified. NOTE : When XXXX canceled my existing card and reissued a new one, they sent the card information to me via a secure email, and within hours, the new card had fraudulent charges on it ... which is how I knew my email had been compromised.
|
| 12/05/2023 |
Yes |
- Credit card
- Store credit card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
|
|
I have a XXXX XXXX Credit Card account thru TD Bank Account for buying products from XXXX. This year I bought new phone and exchanged by old phone and agreed for the interest free instalmemt payment.
However, in XXXX when I purchased new phone replacing the old phone, XXXXTD Bank opened another Credit Card account in my name with same social security number and same credit limit without my knowledge and concent. When I wanted to make the payment, I found my account ( original ), it was showing XXXX balance. Then I called XXXX and TD bank and after several attempts I am told that there new account opened and the balance is shown there. So I questioned them why did open another account in my name : the answer is " Apologies ''.
In the mean time, the payment was late for a day and TD Bank reported this to the credit bureau and I lost XXXX points which affected my credit standing.
I called XXXX and TD bank several times to fix this error and they were going back and forth and finally I threatened them that I will complain with CFPB and immediately TD bank reversed the charge.
Now I have to deal with all credit bureaus to fix this issue.
Questions should be asked to TD Bank : 1. How did bank open new credit card account where consumer has already got credit card with same credit limit and same SSN?
2. There is no communication with credit card holder there new account opened?
3. What internal control bank has to monitor opening credit cards?
Addresses and telephone numbers : XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX TD Retail Card Services, XXXX XXXX XXXX, XXXX, SC XXXX Credit Card accounts involved : Account Number : XXXX XXXX XXXX XXXX ( original ) Account Number : XXXX XXXX XXXX XXXX ( opened without my permission )
|
| 09/16/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
My TD Bank Cash Rewards credit card was stolen and a fraudulent purchase of {$320.00} was made at a local grocery store. When I reported that charge, I was also told a second purchase was attempted at the same store within the next few minutes for {$210.00}, but it was denied automatically because it was suspected as fraudulent.
Several times ( at least four, but I've lost count by now ), I have filed a claim with TD Bank that the charge was fraudulent, and several times it has been rejected because the thief chose to make their purchase at the same grocery store I shop at ( albeit a different store number, which is indicated on the credit card statement ). TD Bank has stated that because the purchase was made at a merchant I have previous business with, it is rejected as fraudulent. I have re-filed the claim several times, explained the story to several customer service representatives, and I have faxed in the police report I filed. Each time, it still is rejected.
The customer service representatives have told me there is no way for me to contact the fraud department directly to speak with them. I have requested a call back from the fraud department twice, and they have never contacted me or left me any sort of a message about how to reach them. I have offered to send in a surveillance image of the thief provided by the police officer I contacted, but I have been told by customer service they do not have an email address available for anyone at the fraud department. Without ever speaking to me, the fraud department just rejects the claim each time with the same designation ( denied because of previous business with the merchant ). Thus far, I have been unable to explain my story to anyone at the bank who actually has the power to reverse the charge.
|
| 04/12/2016 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
|
My problem is with TD Retail Card Services. My husband purchased me a ring on a special finance ( 0 %, interest deferred ). He than traded it up 6 months later, they had a special of 8.9 on that. I am making payments on line, At the time of the payments I send an email requesting them to allocate the extra XXXX all to the account that I have indicated in the email ( deferred interest account ). They have yet to do this since XX/XX/XXXX payment. I have sent numerous emails and called. Since my husband obviously did the purchase with out my knowledge ( they were gifts ). They would n't speak to me by phone, I was hung up on twice while I was trying to get my husband on the phone to authorize me to speak with them. I got the same Representative 2 times before my husband could actually tell them to please speak to me to fix this. She then put me on hold until it disconnected me. when i called back and spoke to a supervisor, the supervisor refused to speak to me with out speaking to me husband. Even though the person that hung up on me twice was there and could verify that she has just got his authorization. This is 4 months of trying to get this repaired. I pay on time and always extra. I have about XXXX emails to there customer service along with sending in by fax all of the back up with proof we have been trying to take care of this mess. I cant even get someone with authority to contact us back. They could easily call my husband. We have had no luck even getting through when we are in the same place at the same time. AS FOR LOSS OF MONEY ... We will have to pay an extra XXXX in XX/XX/XXXX and all the interest it keeps accumulating, because instead of putting XXXX towards the account they are only paying XXXX. At that rate it will be well over XXXX to XXXX.
|
| 08/30/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Servicemember |
|
For over 15 years, I have been a TD Bank customer, the past 9 years I have been living and working in XXXX, GA. Prior to that I had a visited branches in NJ, NY and ME.
For the past 5 years, I have only used TD Bank online and have not been into a TD Branch as there wasnt a branch even remotely close to my Georgia address.
In XX/XX/XXXX, I moved abroad ( XXXX, XXXX ) with my Company, and received a new mobile number and am now at my new address.
I am experiencing the following issues : - The online system does not recognize the computer Im logging in from, and requires a text with a code be sent to my disconnected cell phone number in order to authenticate the login credentials ( user ID and Password ) that Ive been using continuously these past years. As Im unable to validate my credentials using my old cell number, TD Bank will not allow me to log into my account.
- When I call the Customer Service Center I am asked to provide my Branch Password, it has been explained to me that this is the password I use at the branch I go to, I explain that I havent been to a branch in years and am told that the only way I can unlock my account, change my phone numbers, update my address or really accomplish anything is by going to a branch. I have escalated this up to a supervisor multiple times and am told different things each time, but it always ends with I have to go to a branch.
Since XX/XX/XXXX, TD Bank has locked me out of my accounts, with no way to regain access other than to visit a branch on the XXXX XXXX of the United States.
I dont plan to travel back to the United States until the Summer of XXXX, even then I will only be on the XXXX XXXX without access to a branch.
Please provide instruction/direction on how to regain access to my accounts.
|
| 09/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have submitted endorsed promissory note to indentured trustee for Td Auto Finance, which is XXXX XXXX XXXX ( XXXX XXXX ) for the proper cancellation of debt. According to the Securities Exchanged Act, Bankruptcy Banking Act and Indentured Trustee Act, there are liable and responsible for the fraud that is happening. I have specifically requested the True Bill of Sale and proper tax filings for the charged off account held with Td Auto Finance. They provided a copy of installment contract and it does not match the payment amounts that I was charged. If the contract states my monthly payment was XXXX, why are you saying my payment was XXXX?
Doesn't matter if its a XXXX dollar difference, the contract was changed after I left the dealership. and that is FRAUD. I did not sign any contract for a monthly payment amount of {$680.00}, that is not what the contract specifies. THIS IS ACTUALLY A BILLING ERROR AND MUST BE ADDRESS. WHY WERE YOU CHARGING ME A DIFFERENT MONTHLY PAYMENT AMOUNT THEN WHAT WAS AGREED IN THE CONTRACT. REFER TO THE PAYMENT HISTORY AND INSTALLMENT CONTRACT YOU SENT ME.
If the account is charged off you should have filed a form with the IRS and as the debtor I should have received it, so why are you continuing to report a late payment for an account that has a XXXX monthly payment?
The Right of Rescission does apply here due to legal cause because you changed the contract terms first without my permission.
THE PAYMENT HISTORY LIST FUNDING ON XXXX, MAY YOU PLEASE EXPLAIN TO ME WHERE THIS FUNDING CAME FROM? DID YOU GIVE A LOAN TO XXXX XXXX, DID XXXX XXXX GIVE YOU OR LOAN, I WAS NEVER GIVEN ANY AUTO LOAN? SO WHERE IS DID THE FUNDING IN THE AMOUNT OF {$39000.00} COME FROM AND WHERE DID IT GO BECAUSE I NEVER RECEIVED ANY CHECK OR LOAN.
|
| 06/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
On XX/XX/2023, at XXXX XXXX, I contacted customer service via phone and was informed that my account had been blocked due to unauthorized login attempts. The representative on the phone instructed me to visit any branch with my license to have the block removed. On XX/XX/2023, at around XXXX XXXX, I visited TD Bank in XXXX, NY to discuss my account with XXXX XXXX. However, I was advised to return the following day to speak with the fraud department as they had already closed for the day.
On XX/XX/2023, at around XXXX XXXX, I went to TD Bank in XXXX, NY, and spoke with a representative who did not provide me with his business card. He informed me that my account had been closed due to activity on XX/XX/2023, at XXXX XXXX that did not comply with TD Bank guidelines. He declined to elaborate when asked for further details and only provided me with a card with the number XXXX. He did not disclose his name during our initial interaction.
I am aware that my account has a negative balance and made a deposit of funds via XXXX on XX/XX/2023, which was unfortunately declined.
I was also unaware that the bank offered the option to block my debit card from approving purchases when there were insufficient funds. Additionally, I have not been informed of the specific reason for the closure of my account. I have not received any phone calls, emails, or other forms of correspondence regarding this matter.
I experienced feelings of humiliation during my interaction with the representative at TD Bank in XXXX, NY, and I believe that I was not treated with the respect that I deserved. I am seeking a resolution to this matter and request that TD Bank in XXXX, NY take appropriate steps to rectify the situation, such as inviting me back in to reestablish my account.
|
| 10/17/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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|
This is in regards to TD Auto Finance reporting on my credit files. TD is reporting inaccuracies on my files. This account is closed and have been closed for over 2 years, yet TD is reporting this account as open. Also this is a charge off and in the payment status TD is reporting it as Charge off/Collection. According to the Fair Credit Reporting Act this is only supposed to be reported as a charge off and not as a charge off/collection. Another issue is that the amount that is being reported is incorrect. This account is closed and TD recently increase the amount of the charge off which is not accurate and TD can not increase this according to State and Federal Law. Also I want TD comments on this account to be removed from my files. According to the Fair Credit Reporting Act I can have any comments on the accounts on my file remove. Therefore I want all TD comments in the Remark Section to be removed Immediately. To this date I still have not received my personal properties from TD Auto, and also TD has sent me a letter stating that they were going to reduce the amount by {$400.00} after I filed a complaint through Better Business Bureau. So how is it that TD make this promise and never fulfil their promise. This is another act of deceptive practice by TD Auto. I have to pay over {$1000.00} to replace my belongs that TD Auto, and whoever acted on behalf of TD fail to give me back. Now I contact XXXX so that they can investigate this account, and they are telling me they cant investigate it. Now according to the fair credit reporting Act Credit bureaus are supposed to investigate any information a consumer challenge on their credit files. Now I want TD to fix their errors on my credit Files, and XXXX to fully investigate not partially, but in whole.
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| 06/22/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
|
In early XXXX of XXXX my husband filled out an application for a VA loan refinance mortgage at the local TD Bank branch where he does business. I am at XXXX veteran. I served in the XXXX XXXX XXXX XXXX from XXXX - XXXX. After complying with all of TD Bank 's document requests, they had given us a tentative closing date of XX/XX/XXXX. As the date approached, I was in contact with the lender the week before because I was planning a trip to California on XX/XX/XXXX and would not be back until XX/XX/XXXX. I wanted to make sure that we would be closing on the XXXX. The lending officer assured me that things were going along and that I shouldn't worry because our rate was locked until XX/XX/XXXX. Here we are XX/XX/XXXX and we still have not closed on the loan. I have complained several times to the loan officer that this process was taking an exceptionally long time. She requested more information about my job history TODAY, the day our rate lock expired. She said she extended the rate lock for an additional 15 days. I asked her why she didn't ask for clarification on my work history last month. She said the underwriter just requested it. I told her I did not okay a rate lock and would not Okay one without a firm closing date. She said it can take hours for the underwriter to review the loan information, which they now have had for 4 months.
During this process, sometime in XXXX my husband received an email asking him to explain about the property he owns in NJ. He does not own property in NJ. The bank mistakenly uploaded another clients information into our portal. My husband was able to see the man 's name and the property he owned. TD Bank pushed it off as if it wasn't an issue.
I told her I would be filing a complaint about the handling of this loan.
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| 07/13/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
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Web |
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Dear CFPB official, I am writing to dispute the promotion for my TD Beyond Checking account.
On XX/XX/XXXX, I opened a TD Beyond checking account at one local branch ( XXXX XXXX XXXX, XXXX, MA XXXX ). The representative who helped me open the account explicitly told me that I will be eligible for a {$300.00} bonus if I can make direct deposit totaling {$2500.00} or more within 60 days of account opening. He did not mention anything about online application. However, I have not received the bonus after I met all the requirements. I contacted TD Bank since XX/XX/XXXX about this issue and was told that the bonus is only for online application, which is inconsistent with what I was told when opening the account.
After arguing with TD Bank multiple times, I was told on XX/XX/XXXX that my inquiry was forwarded to their Promotional Department Team for further review. I received the response today saying that the only promotions for accounts opened in the store was the Direct Mailer offer at the time of my account opening. Upon additional review, their records reflected that my address did receive a mailer, but it was not addressed to the signer who opened the account. Thus, my account does not qualify for their bonus. However, I have never heard about the Direct Mailer offer by TD Bank. When I opened the account, I was clearly notified that I would receive the {$300.00} bonus as long as I meet the direct deposit requirement.
I have no idea whether/how the representative who helped me open the account assigned promotional code. No matter what the problem was, I am the victim of the mistake and I should have been provided with the bonus that TD Bank promised me. I look forward to your reply and a resolution to my dispute.
Thank you for your assistance!
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| 05/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
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I opened the beyond checking with TDBank by their online promotion for a bonus reward. In 3 months, when the bonus supposed to be redeemed, TDBank looking for excuses to reject the bonus. It has been months I have talked to them. They first responded as I need to wait longer in terms some products is 140 days ( which was 90 in the case of their advertising ). Then they told me I am not qualified in terms the account was opened in branch. After I clearly responded that I was directed by their online rep to open in-store and the store manager inputed all the requests ( which according to the store manager was approved by the marketing dept ), they trying to confuse me by telling me that according to their system the only promotion fits in-store opener did not qualified in my case. In a word, TDBank is using all means to rejecting the bonus I should get and avoid talking about the fact that I was directed by their XXXX rep to open in-store after I submit my online application that reads " Please call our customer service to further assist you ''. ( Please ask for the records since when I called-in their system prompted with recording services with the number XXXX ). Now when I trying to reach them via secured message center, they simply responded not working during cov19 please visit in-store location. I have tried to solve the problem by calling, in-store visit back and forth since XXXX this year. It has not only been extremely frustrating but also monopoly and abusing. I am senior that trying to making a living with my limited retirement. I have worked in my youth and never expected a National wide banking system would be such disgraceful since I believe everything should have been straightforward and business should be based on honest. Please help me.
|
| 01/27/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
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Web |
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I closed my XXXX " XXXX '' account due to being charged a late fee at XXXX XXXX as their closing date is at XXXX XXXX. I disagree with this and closed my account. ( They did refund the late fee ).
I cut up my card and sent a letter to XXXX closing my account.
Due to not having the account number I am now unable to call to make payment as the XXXX phone number requires the input of an account number. I selected any option and did find someone to accept my payment but the customer service rep could not tell me my balance nor minimum payment due as I have paid ahead on my account.
I then requested a paper bill.
I am unable to pay online because I do not have an account number and XXXX will not reinstate my online ability.
I again put in writing and wrote XXXX and requested a paper bill 30 days ago but have not received a paper bill.
I am unable to go to a store due to the location being over an hour away. The nearest store has closed that was 1 hour away as well.
I am unable to get through by calling customer service because I do not have an account number.
I am unable to pay my bill online because I am locked out and do not have my account number.
I can mail my bill but do not get paid until the XXXX and do not trust the processing time to avoid a late fee based on XXXX XXXX policies and ability to contact customer service.
How can one pay their bill?
I want to pay online or have a direct phone number to pay my bill since I do not have an account with XXXX anymore. I find this process very difficult and not consumer friendly. But yet XXXX will immediately charge late fees at any opportunity.
I do not want nor accept automatic payments on my accounts due to past experiences when an account is paid in full but experienced continued deductions.
|
| 02/15/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
|
|
I am filing this complaint against TD Auto Finance regarding a TD Auto Finance account that was charged off. I originally filed a dispute with Equifax regarding the date of first deliquency that was inaccurate on my XXXX credit file in XXXX XXXX. I disputed this 3 times with XXXX. The first results came back from charged off to " Pays as agreed ''. Confirmation # XXXX. It actually states date of last payment in XXXX XXXX. I disputed again requesting the date of first deliquency and the results came back as charged off again. I then called TD Auto Finance myself and they told me they are unable to tell me the date of first deliquency because their records do not go that far back. I again disputed with XXXX and the results returned back to " Pays as agreed ''. I looked at my XXXX credit report almost two weeks ago and XXXX has now reinserted charge off status. They never informed me in writing of the reinsertion. Now on my XXXX file this account shows in the 81 month payment history that the account was charged off XX/XX/XXXX, it clearly shows in the payment history that in XXXX XXXX there is a 60 day late. The line item section of the report states date of first deliquency was XXXX XXXX, but charged off XXXX XXXX. Makes no sense and is inaccurate. I called TD AUTO a second time and refused to help me. XXXX is blaming TD Auto even though it 's clear the information is inaccurate and refuses to delete even though it has passed time to fall off the reporting. XXXX reinserted a charge off status and never informed me of doing so. XXXX and TD Auto must delete this from XXXX immediately. See attahment regarding this very serious issue. In conclusion The date of first deliquency is infact in XXXX XXXX and was actually charged off XXXX XXXX ( See Attachment ).
|
| 03/06/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I never received statements for purchases. I was denied credit, and discovered that there was inaccurate information from Nordstrom 's and TD Bank on my credit report as a result of these statements which I did not receive. I would have happily paid for these purchases promptly had I received statements. Six months later, they are now asking for nearly DOUBLE the amount after late fees and interest. This is predatory and illegal. I never received any mail or calls or emails or texts about this, although wouldn't you know it, I have received plenty of advertisements. I made sure that I am NOT signed up for paperless, for exactly this reason.
I called the company today and wanted to pay for these purchases if they would just fix the inaccuracies on the credit report and remove the illegitimate fees. They refused and said that their records indicate the statements were mailed. I never received these statements. I did move XXXX months ago, but I should have received several statements prior to this change. I confirmed that the address that they had on file on that time and the new address are correct. The reps I spoke with stated that they are not allowed to call people in Maryland ; I have never heard of this before, it does not make any sense, I would prefer a phone call or text, and I have had no problem receiving calls from other financial companies. After XXXX minutes on the phone with XXXX different people, XXXX refused to allow me to speak to a supervisor or provide contact information.
I just want to pay for the original purchase amount, ASAP, after receiving an apology and a guarantee that this inaccurate information on my credit report will be corrected promptly and that these illegitimate fees and interest are deleted. Why is that so hard?
|
| 08/31/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I checked my account on the morning of XX/XX/XXXX, I noticed I had been charged {$420.00} in overdraft fees. I was concerned as to why this happened so I looked through my account. A {$500.00} student loan payment I originally intended to be made on XX/XX/XXXX was mistakenly scheduled for XX/XX/XXXX instead. I was not scheduled to be paid until XX/XX/XXXX so the money deducted for the {$500.00} payment caused my account to go into the red.
When I signed up for my account with TD Bank in XXXX I opted in for an alert when my checking account balance was low ( {$100.00} ). For some reason I never received that alert, thus I did not know that I was running a low balance and kept making purchases.
On XX/XX/XXXX I went to a local branch where the Manager said she was doing me a favor by reimbursing {$100.00} of the {$420.00} to my account. I think this is extremely unprofessional to tell a client that you are doing them a 'favor '. I then called customer service and they only reimbursed me {$35.00}. In light of recent overdraft related class action lawsuits against TD Bank one would think they would do the right thing here and help their customer out.
I have a clean record with the bank. There has been no other instance of an overdraft happening on my end. I want the remainder of my money back. It is disgusting that such a large institution knowingly takes advantage of its so called customers.
Also, as a side note, when I spoke to customer service the first person I spoke with told me he already briefed his supervisor on my situation and that she was not going to reimburse me any more for the fees and then proceeded to ask if I still wished to speak with her. It seemed as if he was trying to convince me nothing more could be done and to silence me.
|
| 02/15/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
Older American, Servicemember |
|
I have attempted numerous times to open an online account with TD Bank via their specific link to a special offer allowing me to earn {$300.00} when I set up direct deposit after opening a TD Premier Checking account. I continually get a message stating " your identity could not be verified in the public record ''. It is not asking me detailed information. It is only asking my name, SSN, DOB, DL info, address, and source of my income ( I am a 27 year veteran and former XXXX XXXX ). They state they have no other means to verify my identity and since this account must be opened online in order to take advantage of this promotion, there is nothing they can do because " the computers won't allow it ''. Now I am on a " junk '' email list from TD Bank which emails me reminders that I did not complete my online application. My last attempt to open an account and speak to CSR was on XX/XX/2018 from XXXX-XXXX EST.
The company responded that I could still get the {$300.00} by opening up an account at a branch. The closest branch is nearly three hours one way ( XXXX, VA ) and I am a XXXX XXXX XXXX veteran who was born in the US, and been in the US military 27 years and worked for the Federal Government also. How can my identity not be verified?? It does not make sense and to tell me to go to a branch 3 hours away is not resolving the issue. Surely there is some method of verifying my identity - I have a valid passport, SSN, DL, and am willing to scan or mail any or all of these to have my identity verified. Please assist me in getting a reasonable resolution to simply open an online checking account - I have online accounts at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and others and never have been to any branch or office to open accounts at those companies.
|
| 09/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
My name is XXXX XXXX XXXX XXXX a few months ago I opened two accounts checking and savings, in the city of XXXX, branch llocated at XXXX XXXX XXXX, for work reasons I moved to the state of Nevada. I sent a letter addressed to the branch manager, asking to close both accounts and sent me the checks to my new address, XXXX XXXX XXXX XXXX XXXX Nv XXXX.
I wait 3 weeks waiting for an answer and I decide to call directly to the bank, I spoke with different people about my situation.At the first time they told me the checks they had sent to my old address. I called to my landlord to see if she has an envelope from TD Bank she said no never got anything in the mail.
Days later I called back again to the branch, to tell them the letter they sent me was missing. The second call I made to them, They said they never got any letter from me asking to close my accounts, so I asked why the first time when I spoke to them, they told me the checks were sent to the address registered in my account.
Finally, the people at that branch told me to call customer service number, because they can not do anything there, I been really patient calling to customer service, the same way they told me I have to talk directly to the bank because the decision has to take the branch manager.
I spoke 3 times with customer service asking to help me to resolve this situation. They were supposed to send emails to the branch manager waiting for answers.
I can not believe this bank treat customer this way, because I'm XXXX? at that branch they pretended not understand what I said, they even transferred to someone who spoke XXXX. The same way I explain to that person in XXXX he did do anything.
I feel discriminated against with all people I spoke in that branch, just to claim my money.
|
| 04/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I have had several issues with Td Bank. One problem is because I had my account overdrawn right around the time we were all supposed to get the {$1400.00} stimulus they decided to credit my account when I didnt authorize them to credit anything on my account and now it has screwed my account up because now they said theyre going to pull this money back out of my account within 30 days they didnt talk to me first about it at all. Another issue is I had specifically told a motel hotel that they are not authorized to use my card any longer I even told Td Bank this prior to them using the card because I wasnt staying there any longer they credited me the money then they turn around and found that there was no fraud when there was because its basically like stealing my money when I told the motel manager that I didnt have the funds there so please dont run the card well because I had overdraft the bank allowed it to go through twice then I called the bank and they were supposed to cancel my card but the young lady did and they allowed a third charge to go through they refuse to reverse that either. Now because of all these issues they have screwed my account up so bad that my account is over {$500.00} overdrawn and I dont know what to do at this point. I also think I was just probably been able to get something out of that recent settlement About the overdraft accounts because I had that too. TD Bank has fraudulently I feel done things with my account that they should not have done that has caused me problems because I dont look at my account on a daily basis and for them to credit my account then pull money back out it makes it where I have no way to keep track of stuff and I feel have violated quite a few laws with everything theyve done on my account.
|
| 02/23/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
XX/XX/XXXX : I discovered four unauthorized XXXX transfers in my online account. One took place on XX/XX/XXXX and the other three took place on XX/XX/XXXX. The recipient was a person named XXXX XXXX whom I don't know at all. The total amount was {$4500.00}. I immediately called TD Bank to report these unauthorized transfers. A representative at the Fraud Department told me she was not able to stop the transactions since the first one had been processed and the other three were in process. She filed the case and submitted it to the Disputes & Claims Department. She also told me the investigation would be complete within 10 business days and I should receive a written letter about the result. In addition, she helped me close/freeze the old account, open a new one, and transfer the majority of fund from the old one to the new old.
XX/XX/XXXX : I called TD Bank to ask about the investigation result since I never received the letter. I was told the department determined the four transactions were processed properly. Therefore, there was no need for further. After hearing my explanation of the situation, the rep filed the case for me again and suggested that I fax a copy of the police report and the identity theft report I filed with FTC afterwards. Following her advise, I faxed both reports along with a letter to explain what happened.
XX/XX/XXXX : I received a letter, dated XX/XX/XXXX, from the Disputes & Claims department at TD Bank. They have determined no error occurred so there was no action needed at their end.
XX/XX/XXXX : I sent another package that contains the police report, FTC report, and a letter explaining the situation and requesting the return of {$4500.00} by mail. As of today, XX/XX/XXXX, I haven't heard any response from TD Bank.
|
| 08/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On Friday, XX/XX/XXXX, I received a call from XXXX XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CA XXXX At first they refused to disclose who they were or why they were calling and said that papers were being served against me, and that I had to verify my social security number and phone number. I asked her if she was calling to serve legal papers from the courts and she said she couldnt tell me unless I provided my personally identifying information : she did not say no, which allowed me to think this might be the case. They would not disclose what type of papers or that it was an attempt to collect a debt, but wouldnt give any additional importation so I hung up.
Then a manager, XXXX XXXX XXXX called back and said it was for a balance from am overdraft fee from XXXX for about {$220.00} from TD bank, and that if I didnt settle immediately that I would have to go to court, and have to pay their legal fees, And the bill would be more like {$1000.00} dollars.
At that, I agreed to that old debt and paid it. Then, I looked up the statue of limitations and realized it was long past.
I called back and spoke to XXXX XXXX about the matter, told her it was illegal to mislead me, that the statue of limitations in New York was three years for an old debt, and asked for my money back. She said that the mark has appeared on my credit as recently as XXXX, and that the account was only a couple of signatures away from litigation. I said that was still past the statue of limitations, then she agreed that was true, and in fact it was a lie and could not be sued.
She said that if I canceled the payment it would restart the clock on my debt. I would never have even spoken to these people if they hadnt lied.
|
| 03/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
On XX/XX/2021 I opened a checking account with TD Bank after I received a promotion in the mail from them. The account was opened with a {$500.00} deposit from another bank I currently use. After account opening, I registered online and downloaded the bank 's app to my mobile phone and tried logging and there was some problem and the app instructed to call them on the 800 number. I called to find out what the problem was and they just said I have to go into the branch to verify something but they could not tell me what needed verification -- I just have to go in person. I reminded the representative on the phone that we are still in the middle of a pandemic and this would qualify as something considered essential. Nevertheless, I took time off from work on XX/XX/2021 to visit the nearest branch and correct what the problem was and possibly use this account for its intended purpose. The representative in the branch told me that there is a fraud notification on my account -- when I asked why when I entered all of my information correctly online and my application and deposits were accepted yet he could not provide any answers he could only tell me that I can not access my account but I can request to close the account. Since opening I had made an additional deposit on XX/XX/2021 and now I need to use this money to pay for living expenses so I agreed and asked for the funds to be returned and please close the account. This was also a problem and he said that closing the account would also not be possible -- I have to wait for the bank to decide what to do and ONLY THEN I would be able to close the account. Now I am stuck without money, without a clue as to what caused a fraud designation, more importantly without the ability to pay bills at this time.
|
| 10/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/22 I noticed that there were fraudulent purchases on my credit card statement.
On that day, I called my credit card company, TD Bank Card Services, and notified them of all of the fraudulent purchases. There were 4 fraudulent purchases, totaling {$850.00}.
The 4 fraudulent purchases were : 1. XX/XX/22 - XXXX XXXX XXXX- {$440.00} 2. XX/XX/22 - XXXXXXXX XXXX XXXX XXXX {$130.00} 3. XX/XX/22 - XXXX XXXX - {$110.00} 4. XX/XX/22 - XXXX XXXXXXXX XXXX XXXXXXXX- {$150.00} The credit card company confirmed on the phone that there would be an investigation that could take up to 90 days to resolve and that they would send a letter via mail, which we never received.
The credit card company did not issue a provisional credit, so the debt has accrued monthly interest in the amounts of : 1. {$12.00} ( XXXX ) XXXX. {$14.00} ( XXXX ) The customer service has not provided provisional credit, or even notification by mail. When contacted via phone, their customer service sends you in a loop. Calling " TD Credit Card Services '' the representative will simply transfer the call to the " Fraud Dept., '' who claim that they can not provide any service or resolution but they will transfer you back to " TD Credit Card Services. '' This is Kafka-esque.
The phone numbers we have called : 1. XXXX ( This number is now disconnected ) 2. XXXX press 5 ( General Customer Service ) 3. XXXX ( Fraud Dept ) We were told after calling monthly to " wait 90 days for resolution. '' It's been 94 days, over 10 hours on the phone with their customer service, and we still have the fraudulent debt and accrued interest.
We asked simply for provisional credit ( from multiple customer service representatives ) and they would simply offer to transfer our call again ( in a loop ).
|
| 06/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a TD Bank " TD Beyond Checking '' account on XX/XX/XXXX and completed direct deposits of over {$2500.00} 30 days later on XX/XX/XXXX. Per the terms, I should have received the {$300.00} bonus by XX/XX/XXXX ( " no later than 140 days from account opening '' ). I had previously held a TD Bank account but it was closed greater than 12 months before. I printed to pdf the terms when I opened the account and have spoken with several customer service representatives since XX/XX/XXXX. TD Bank has opened a case and followed up with the promotions department. At no point has the promotions department reached out to me, even though I have offered to share the printed terms under which I opened the account. The last customer service representative that I spoke with suggested that I go into my local branch ( 150 miles away ). I have called the branch and was told to expect a call back from the branch manager the following day. That was last week and I still have not heard from the branch manager.
" Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months, open their account online via this web page and complete the required qualifying criteria. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening ... Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 140 days from account opening. Account must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus. ''
|
| 01/19/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/19 I got an alert from my XXXX credit card that I had a delinquent account reported from XXXX. Upon checking, I saw that my credit score decreased from XXXX to XXXX. The credit report stated that Nordstrom reported my Nordstrom credit card as delinquent for an {$84.00} balance. I was very shocked because I had set up an automatic payment on the due date, so I reasoned this was a mistake.
On the same day, I called Nordstrom and asked them to report my account as current because I had set up payment for the due date of XX/XX/2019. They said the payment was returned to me but couldn't tell me why. I said I had no idea that my payment was returned, that I never got any statement or letter to notify me of the returned payment. If I received it, I surely would've paid on time because it was just {$84.00} and I have a very good credit score and history. I felt it was a violation of UDAAP, ( unfair, deceptive, act and practice ) because I never got a letter beforehand for the return, and after 60 days the account was reported delinquent. It is very unlikely I was trying to cheat the bill. Nordstrom ended up telling me to file a dispute with the credit agencies. I also paid the {$84.00} balance on the phone just so that my account would show as current again.
Later I wrote a dispute to XXXX and XXXX explaining my situation and attached supporting documents that I had set up payment to pay on the due date, but the payment was returned to me. I explained that I never received a statement and letter and to report my credit as current as I had intended to pay it. Both credit agencies returned a decision back to me saying that my credit score was unchanged and therefore the credit file would still say my Nordstrom card was previously delinquent.
|
| 12/22/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
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I had a checking account with TD Bank and was in a dispute with them over fees charged and told them I was going to open an account at another bank which I have done. In the meantime my insurance company XXXX deposited {$410.00} into the TD account instead of into my new account. The amount deposited was {$410.00} on XX/XX/2016 by ACH transaction ( electronic deposit ). I no longer have an ATM card with TD bank as I no longer use this account. I went to TD Bank to get my {$410.00} out and they said this is a " credit only account '' which means deposits can be made but I cant take anything out. I asked why I can not take the money out since the money is mine and I broke my toe and need to pay the Doctor bills with this money. TD BANK customer service told me to come in and close out the account and they would not be able to give me the money since I owe {$560.00} on my account. I told them I do not owe them anything and they are not correct as I dispute those fees and will continue to dispute them. They are blackmailing me saying the {$410.00} will sit in my account until I come in and close out my account but I told them I am not going to do that unless they remove the excessive fees they charged me which I am in dispute of. TD Bank told me NO. XXXX said they can not take the money out of the TD Bank account even though it was an honest mistake on XXXX part, I would like the {$410.00} balance mailed to my home address. The bank can not hold this money from what my Attorney has said. ( I asked for a free consultation with my Lawyer ). He told me they are illegally holding these funds since nothing showing due on this account and there is a credit of {$410.00}. if TD Bank does not mail me this money asap I am getting an Attorney involved in this!
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| 06/07/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Closing an account
- Funds not received from closed account
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Web |
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I am writing in reference to the following three accounts that I had at the TD Bank branch in XXXX, New Jersey. The total value of all accounts exceed {$25000.00}.
I. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Savings account number XXXX In XX/XX/2023, I called the XXXX office and spoke with XXXX. I told XXXX I would like to close the accounts. She suggested that I visit the branch. I told XXXX that I do not reside near any TD Bank branches. She then suggested that I sent a notarized letter requesting the accounts be closed. I prepared the letter and mailed it to the XXXX branch on Tuesday XX/XX/2023. On Friday XX/XX/2023, I received a call from XXXX indicating she received the letter and closed the accounts. She indicated she prepared a check and provided me with the following XXXX tracking number : XXXX.
Unfortunately, the XXXX package did not arrive during the next several days. I input the tracking number into the XXXX Web site on the Internet and I received a response indicating the label was generated on XX/XX/XXXX but the package did not enter the mail stream. On Friday XX/XX/2023, I called XXXX and told her I did not receive the package. I also told her it was not placed in the mail stream. XXXX repeatedly said the package was mailed and told me to file a complaint with XXXX. Needless to say, I can not file a complaint if the package was never placed into the mail stream as indicated by the tracking information.
Unfortunately, the package still has not arrived and my savings accounts with a total of over {$25000.00} is depleted. For you convenience, I have attached a screen shot of the XXXX tracking information. Your assistance in enabling me to promptly obtain the proceeds from my accounts is needed and will be greatly appreciated.
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| 07/06/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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On XX/XX/2022 my husband received a call that appeared to be from XXXX XXXX XXXX. The person on the line stated he was a representative from XXXX XXXX XXXX and that someone had set up a XXXX account in his name in the amount of {$15000.00} and that he had XXXX minutes to rectify the issue by setting up a XXXX transfer in his name, my husband, to TD Bank. The person was real professional and very convincing. Since my husband was very busy, we had customer 's coming into our store plus our field techs returning he handed me the phone. Again, this person was very professional, giving out names of supervisors at XXXX XXXX XXXX, etc. I followed his instructions and did XXXX XXXX transfers from XXXX different accounts under our business name to an account at TD Bank under my husband 's name. Total amount of the transfers was {$12000.00}. This person kept reassuring me that this was legitimate through XXXX XXXXXXXX XXXX, caller ID on the phone said XXXX XXXXXXXX XXXX and we would receive the money back within a few hours. Transfers were made.
Unfortunately, the money was gone from our accounts and there is no option to stop payment or cancel transaction. We filed a claim with XXXX XXXX XXXXXXXX and it was denied because they transferred the funds to TD Bank per our instructions. How was someone able to go to TD Bank and set up an account in my husband 's name with no identification. We also filed a police report with our County 's Sherrif Department. According to XXXX XXXXXXXX XXXX they forwarded our claim/complaint to TD Bank but we have not heard from them.
The account at TD Bank where the money was transferred to was opened under the name of XXXX XXXX. Since the account at TD Bank was opened up fraudulently, we do not know the account number.
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| 12/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I called in to TD Auto Finance XX/XX/XXXX to inquire where my overpayment was from my payoff that my credit union sent in. 10 day payoff quote on XXXX was {$58000.00} and my XXXX XXXX sent in a check for {$59000.00} which was applied to my account on XXXX This would be an overpayment of roughly {$420.00}. Rep tried to tell me that was the exact payoff at that time, which I explained was impossible if the 10 day quote on XXXX was {$58000.00}. She refused to provide what the payoff was at the time the payment was applied. Further, I cancelled loan products XXXX XXXX XXXX XXXX which would be applied to the loan balance. They said they applied a XXXX refund, but could not explain where the XXXX refund was. I see a rebate of {$630.00} in transaction history online and the rep could not explain where that went to. That rebate shows the exact same date of XX/XX/XXXX that payoff was applied. They also show fees of {$1100.00} in their online transaction history on my account that the rep could not explain to me. I simply want my overpayments and product refunds sent to me and not kept dishonestly by TD Auto Finance. TD Auto Finance has yet to send me or my credit union the title for our car after payoff as well. Rep became very rude and defensive when I demanded an explanation of how funds were applied to my auto loan which really upset my husband & I. She asked us what exactly we did not understand whereas it was this rep that was not understanding how a per diem worked and a product refund worked on an auto loan. This is just not acceptable and we as consumers are out several hundred dollars that they can not explain to us. Feel free to reach out to us for further info including account numbers, etc. We are happy to provide any documentation needed.
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| 05/17/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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I ha ve a Target store c ard that I charge to infrequently and earlier this year had a balance that I thought I paid off. However, because they charged me a ( very high {$38.00} ) lat e fee, I still owed them a small amount of money ( which was really a leftover piece of a late fee of a few dollars ) that I was not aware of. They then charged me a late fee on top of that and another one on top of that and so on so basically what they are doing is continuing to charge me late fees for not paying late fees that I do n't agree with. I called them on Monday, XX/XX/XXXX t o discuss because I could n't figure out what was going on ( they have/had my name spelled completely incorrectly so not sure I was getting every bill and on the bills I had I could n't figure out what I had charged that caused me to owe them anything and I had n't been to the store in some time ). When they explained that they were basically charging me late fee upon late fee upon late fee with no underlying overdue balance, I told them I thought that was not reasonable and asked them to waive some of the charges. They refused to waive any of the charges so I told them to cancel my card. They said they could not cancel charges, which is n't true. They cancelled my card/account but told me they would continue to charge me late fees upon late fees if I did not pay the balance by the due date, which is XX/XX/XXXX . I asked to speak to a supervisor and they said there was no supervisor available. They told me a supervisor would call me within 24-48 hours. I still have not heard from a supervisor and would like to clear this up but I do n't think I should have to pay all of the balance. I 've never dealt with a company that behaved like this. They 've lost my business. I
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| 10/27/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Problem with customer service
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Web |
Servicemember |
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On XX/XX/2022, I called customer service to discuss the benefits of my card, how the process works for receiving limit increases, and why I might not be receiving any offers for conversion to their XXXX program.
As a customer for over XXXX with good payment history, and a {$23.00} balance at the time of the call, I expected to have a conversation with the representative, but instead the representative CANCELED MY CARD within 30 secs of getting on the phone.
I explained that I have called customer service in the past and generally have had poor customer service ( i.e. disputing records on my credit report, requesting letters, etc... ) and that I wanted to discuss options or otherwise I would consider closing my account. The rep then said there's nothing she can do, put me on hold and CLOSED THE ACCOUNT without further explanation of how to pay the balance, or if I would receive an email confirming changes.
I DID NOT WANT TO CLOSE MY CARD OR ACCOUNT AND IMMEDIATELY CALLED BACK IN LESS THAN AN HOUR.
There was no written communication showing the account was closed so I called customer service ( who was extremely nice this time ) and I explained that I simply had remorse over cancellation and would like to keep my card if possible. Again, in less than 2mins on the call and a brief hold, the representative said there's nothing he can do and if I would like to reopen I can apply for the card again. It feels like it must be some benefit to them to force me to open a new line of credit.
My XXXX XXXX is XXXX with XXXX and XXXX with the others, household income $ XXXX, and I was an active ( spending ) customer for XXXX XXXX, with not even " we hate to see you go '' or a full explanation of their policies or practices when closing an account.
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| 06/23/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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To Whom it May Concern, On XX/XX/2020 my TD Bank checking account was comprised and there were combined fraudulent purchases in the amount of {$260.00}. In addition, these fraudulent charges caused my account to be charged 3 overdraft fees in the combined amount of {$100.00}. Upon realizing the charges and penalties on XX/XX/2020, I immediately contacted TD Bank for assistance ( all charges were still pending ). Customer Service insisted I couldn't take any action until the charges were fully processed. Therefore, I had to wait until XX/XX/2020 and XX/XX/2020 to summit formal claims. TD Bank did an " investigation '' and concluded only 2 of the 3 charges were fraud and only reimbursed me {$100.00} for 2 false purchases and {$35.00} for 1 overdraft fee. This conclusion is nonsensical because all of the charges took place at the same time so to conclude that only part of it is fraud doesn't hold up to critical thinking. After multiple phone calls and holding for a combined wait-time of over an hour their customer service has informed me there is nothing more they can do aside from reopen the dispute. I reopened the dispute on XX/XX/2020 and did not hear a single thing so reopened it again on XX/XX/2020.
I'm hoping someone can help correct this situation so future customers are not robbed by TD Bank. I am still due {$160.00} from a fraudulent purchase and {$70.00} from two overdraft fees. There is a global pandemic and financial crisis occurring due to COVID 19 and I am struggling to get by. This bank, which charges me a monthly maintenance fee, was not able to provide sufficient help when my account was compromised during this trying time. This is how TD Bank treats a customer of 10 years that was hacked during economically challenging times.
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| 06/25/2016 |
Yes |
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Web |
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I changed banks to XXXX, a division of XXXX XXXX. Since I did that, Target Card Services has failed to post payments even one business week after the bank shows that the payment cleared. For example : a payment was made on XX/XX/XXXX. The bank shows that it cleared on XX/XX/XXXX. Today, XX/XX/XXXX, Target Card Services shows that the payment was made and shows the date it was made, but there is no corresponding adjustment to available credit. I see this and it looks like there was a problem with the payment.
Even worse, a statement issued by Target Card Services on XX/XX/XXXX, the day after the bank shows the payment as cleared, DOES display a corresponding adjustment to available credit. Either I ca n't trust the online information, or I ca n't trust the statement, because they do n't agree.
I have both called and messaged Target Card Services. Both times they cheerfully told me that I could resolve this right away if they could conference in my bank and get a confirmation that the payment ( which cleared a week prior ) actually cleared. WHAT? How are they verifying payments, XXXX XXXX? I need to conference call my bank? They did n't even offer a date for when the payment would clear if I DID N'T conference call my bank.
This problem never happened when I was still with XXXX XXXX XXXX, but since XXXX XXXX XXXX was insanely fee-heavy and impersonal, I left. This problem also does not happen with any other credit card companies, including XXXX XXXX XXXX - it is only happening with Target Card Services.
To add insult to injury, when I tried to reply to their completely unsatisfactory online message, the messaging system crashed. I 'm sure that was a coincidence, but I lost the lengthy reply I had composed, so it certainly did n't help.
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| 01/25/2021 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
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We have a home equity loan that was opened for 15yrs with automatic payments withdrawn. The loan was set to end in XXXX, XXXX and I believed that the final payment would be taken from our checking as it had been for all others. I called TD to confirm that the account would be paid and closed but was unaware that the last payment needed to be in the form of a check. In the call the representative did not advise me that a physical check needed to be sent. On XX/XX/XXXX, after receiving a foreclosure statement for {$510.00}, I spoke with a TD representative and explained the situation. I received a pay off quote and made the final payment while on the phone. The representative indicated that TD would remove any delinquency involved with the last payment balance, the debt was paid in full and the loan would be closed.The call took over 2hrs to complete. In XXXX, I received another foreclosure statement with a balance of {$25.00} which consisted of {$.00} in residual interest and a {$25.00} late fee. After spending over 2 1/2 hours on hold and talking to representatives, I was told that the {$.00} was residual finance charges that should not have been assessed. They would take care of the {$25.00} balance and clear any associated delinquency. Today, XX/XX/XXXX, I received a Suspension of Statements & Notice of Charge Off, my mortgage loan has been charged off in the amount of {$25.00}. I called TD again, went through multiple agents, who indicated they could see all of the notes and calls but would need to refer this to a manager to look at and decide what is next. We have been loyal TD customers for over 20 years, have multiple accounts and have faithfully paid any debt that we have with them. I am asking for your help in resolving this matter.
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| 07/18/2018 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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I was getting a mortgage for a house and although I had closed my TD bank accounts years previously, somehow, a charge was able to be put on my TD bank card. I was never notified of this charge because my account had been hacked before I had closed it without me knowing about it, therefore, all the bills and late fees were going to an unknown address. Due to this, my XXXX XXXX had dropped by 250 points. I almost lost my new house and can barely afford my new mortgage payment because of my credit score. I ended up going to a brick and mortar TD bank the first week of XX/XX/XXXX because I was not being helped over the phone. I paid the account off and my account was once again closed. About 6 weeks later I received an account summary in the mail from TD Bank. It was a new bank account that was opened with no money in it but it was charging me a {$1.00} maintenance fee. I did NOT open this account and I went back to the bank to get it taken care of. Once again, this account was closed. About a month after that, I received another account summary in the mail from TD Bank charging me another {$1.00} in maintenance fees for an acct. Because I now live about 40 minutes from the TD Bank and because when I called the vice president I was dealing with was on vacation, I wrote a long email to the vice president at the bank. I received a response back saying " escalating this matter immediately ''. I just received a new summary on XX/XX/XXXX, now a few weeks later, saying that my account with TD Bank is now PAST DUE a {$2.00} maintenance fee! I don't know what else to do. They will not close my account even though I closed them myself in XX/XX/XXXX. My credit score is being affected by these " late fees '' I've contacted the bank over 3 times already!!
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| 03/13/2017 |
Yes |
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Web |
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I received a late fee on my account, which i was told ; would be forgiven. I was instructed to subtract the {$25.00} late fee from my total balance. I subtracted the {$25.00} late fee and paid my balance in full. Recently I received a statement from the credit card holder. Assuming there was zero balance, I prepared to tear the statement for disposal. While tearing the statement I found there was a {$97.00} balance. I called the merchant right away to clarify the Charges because I had made NO purchase since the last balance pay off. After calling the merchant I found that the {$25.00} late fee was not waived as promised and go figure Target said they had no record of the phone call where the rep promised to forgive the {$25.00} late fee. In addition to Target not waiving the late fee they charge additional late fees on top of a late fee. Target the Merchant offer no options to resolve the issue, I was only able to speak with collections who has no capabilities of resolving balance issues, from my understanding Customer service does but my account can only be handle by collections. Collections continue to call me to threaten additional late fees although I closed the account and request to formally dispute the amount, they continue to charge late fees on a late fee balance with no means to resolve the issue. the balance on my account is all driven from the targets ongoing late fees not one cent is from purchases made by me. I have been a Target credit card holder Since XX/XX/1993 I do not have a history of late fee 's or outstanding balances, Target recognize my account history but offer no options to retain me as valued customer not one. Sounds like they want to keep the issue open so they can continue adding late fee expense to my account
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| 01/12/2023 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Can't close your account
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Web |
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I opened an account at TD bank US prior of moving to the USA with assurances that I could manage all operations online. TD bank accepted several wires into this account for a total of around XXXX XXXX When I tried to wire money out, the online services refused to let me wire money out of the account stating an error code " XXXX ''. When I called to resolve this problem, the call center refused to help me because my phone number had changed, telling me I had to go in person to a TD bank location. This despite previous assurances that I would never need to go to a branch. They refused to explain why I could not transfer money out of my account. The closest location is thousands of miles away in Florida. Despite this, in XX/XX/XXXX I had the opportunity to go to a physical location and, after many errors and mistakes, was able to change the phone number including the one for authentification, and I tested the authentification online on premises. But they werent able to tell me why I could not wire money out and told me I had to call the online services. After I returned home in XX/XX/XXXX and tried calling again to resolve the wire issue they refused to authenticate me using the number I had provided on premise, despite previous assurances.
At this point, in my last call on XX/XX/XXXX, TD Bank unconditionally refused to provide any path at all for me to be able to transfer funds out of my account, short of paying outrageous fees to withdraw it a few hundred dollars at a time at the ATM, or flying *again* to a branch thousands of miles away, which I already did and did not previously resolve the issue. They also refused to provide any path at all for me to close this account. The CSR refuses to identify herself or her superviser in any way.
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| 07/17/2018 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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On Saturday, XX/XX/XXXX at XXXXXXXX XXXX I received a citation from a gentlemen my children answered the door and my husband approached him stating that he had a package that required my signature only there was no packaged and provided me with a Justice Court Citation document with Docket Number XXXX issued by TD Bank USA, NA regarding a XXXX Credit Card. Sending someone to my home was unacceptable and the delivery person said this was in reference to a Debt in front my my daughter and overheard by my brother in law which is a privacy issue. On Monday, XX/XX/XXXX I sent an email to the court advising them that I had received this document that I was being sued by TD Bank and asked them how do I respond as the document stated that I could have a Judgement placed for no response. The court advise the email I sent was valid to serve as my response. I then replied to the court on XX/XX/XXXX requesting information on a payment arrangement or information as to who is handling the account as I am unable to pay the full amount they requested. The advised that they were not allowed to give information and to contact the Attorney. I sent them an email that afternoon at XXXXXXXX XXXX to XXXX requesting the information and received no response. I am only dealing with them in writing and want information as to which debt agency is handling this account so that I can setup payment arrangement to avoid a Judgement as I feel that I have responded to them in a timely manner. In addition, they violated privacy rights by telling me in front of my home where other 3rd parties could hear that this is in reference to a Debt. This is threatening tactics and there are no signatures on this document this is a violation of the Fair Debt Collection Practices Act.
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| 04/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/20, I discovered 2 suspicious pending transactions that occurred on XX/XX/20 & XX/XX/20 on my Target MasterCard & another transaction that went through from same vendor, XXXX XXXX XXXX on XX/XX/20 for around {$68.00}. I called Target XXXX customer service and spoke to XXXX ; therefore, my account was closed and I was issued a new card. The pending transactions did not go through and I was refunded the {$68.00}. However, I was waiting for a refund from XXXX for XXXX. I checked my XXXX account on XX/XX/20 and the refund was issued into XXXX store credit. I spoke to XXXX on XX/XX/20 and told him that I would like the refund back on my Target MasterCard. I spoke to XXXX from Target on XX/XX/20 and I was told that it would take 3-5 business days to show on my new Target MasterCard. However, this did not happen and I have been calling back and forth from XXXX to Target. XXXX from XXXX emailed me on XX/XX/20 that the refund has already been issued back on my card but Target has not posted it yet on my new MasterCard account. I was told by XXXX from Target on XX/XX/20 that it is showing on the old account on XX/XX/20. Then he transferred me to speak to XXXX who told me that I would have to wait 60 to 90 days for my refund because my old account is under fraud investigation. This does not make any sense why my refund needs to be under investigation. I feel that Target is ignoring me and making excuses not to give me back my refund. I also feel that I am have been taken advantage of. My experience with Target XXXX is awful and I am not getting anywhere talking to them. I still have not received my refund. Please help me get my refund back and resolve this problem with Target as soon as possible. Thank you for your time and consideration.
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| 02/26/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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I called in late XX/XX/XXXX to ask the representative if there was a hardship program where I could defer some payments or lower my monthly payments. I was told no by a young lady. A few weeks later, XX/XX/XXXX, I missed my monthly payment for {$350.00} due to financial hardship and inability to pay. A few days later, a young man from the company called and told me that there is a program for financial hardship and the lowest payment is {$150.00} per month. At the time, I did not think I could commit to pay that amount so I declined to set up a payment plan. He said I could call back if I changed my mind. I did call back a few days later and spoke to a young woman and who helped me set up a payment plan for {$150.00} per month to begin with an initial payment on XX/XX/2019. I received email confirmation of this payment plan with the terms and payment dates beginning XX/XX/XXXX. Every day since then, Ive received 3-5 calls per day from the representatives in debt collection telling me that I owe {$150.00} per month beginning XX/XX/XXXX. Im unable to do that and it is not what I agreed to. The representative I spoke to on XX/XX/XXXX, a young man, told me that my payment plan would be cancelled if I did not pay by XX/XX/XXXX. I refused to pay because that was not what I agreed to and he refused to let me send him the email confirmation to show him proof that I did schedule it for first payment on XX/XX/XXXX. That was yesterday. They have already called me 5 times, 3 of those being today between the hours of XXXXam- XXXXam. This to me is harassment! They are also calling from a blocked number. I am annoyed and fed up with their unfair practices and it does not seem right that they set up terms of payment plan that they now deny! Please help.
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| 04/16/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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I have been scammed by company called XXXX Home base business. With a counterfeit check in the amount of {$2900.00} and my bank has authorized the transition of that check less than 5 business day rule. I have been with TD bank for a while and I never overdraft my account and Now my account is overdraft and the bank wants me to payback the money because fake check was written under my name and was deposit in my account. I called my bank more than once and I went to the bank in person. They telling me that they have no way of knowing the check is bad. Until transaction take place. My question is if the banks that have seen all kind of bad checks and counterfeit money and they do n't have best methods of protecting consumers from frauds. Now I have to pay back the money that I did not use on my own. as a consumer I 'm requesting that FDIC need to have regulation to in force with the banking system on how to prevent Fraud and protect consumer of this country by purchasing the equipment that will detect counterfeit checks or money as soon it deposit not making money available unless the checks is real. I believe the bank should be able to have a machine that process checks and counterfeit money as it is deposit. That is the only way we can stop fraud activity and prevent me. I have been with TD bank for a long time never my account balance is law and ca n't cover my charges TD bank never authorized my transaction. How can TD-bank authorized this amount of money less than 24 hours and it a fake checks? Now my account is frozen and TD bank is telling me I over draft my account. I have no money to pay TD bank for this. I did not take money it is a Fraud activity that Bank is responsible taking it responsibility and preventing me as a consumer.
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| 10/31/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Cashing a check
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Web |
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Stolen Check - Blatant Forgery Background I have a checking account with TD XXXX, now part of XXXX. Technically, the account is a brokerage account with checking services. TD XXXX offers these checking services in coordination with TD Bank. While I do not have an account at TD Bank, they seem to be the responsible party as they are the consumer bank where the check was cashed.
Theft I mailed a check for rent in XX/XX/ in the amount {$2300.00} by putting a stamped envelope into a USPS blue box in XXXX XXXX XXXX at approximately XXXX XXXX and XXXX XXXX. I learned in midXXXX that the check was drawn against my account, but every line had been whited-out and written over in someone else 's handwriting, including a different name, different signature, and re-written amount, though the amount was also {$2300.00}. I filed a police report with XXXX Police Dept and opened a case at TD XXXX. It took a long time for the police to send a copy of the report, because they required me to submit a FOIL request, but I eventually did receive the report and submitted it to TD XXXX.
Unresolved After multiple follow-ups with TD XXXX, they have told me verbally several times that they will not re-open the case, even though their representatives have told me they agree the check was clearly forged. They said it is actually TD Bank 's problem to solve. I spoke to TD Bank, and they disagree. Both sides have denied the claim even though their representatives tell me they sympathize and agree this was a forgery. ( In fact, they actually told me to contact their regulator! ) I am caught in the middle and would like to bring both parties together to explain who is responsible and then have one of them refund my check.
Thank you very much, XXXX XXXX XXXX XXXX
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| 09/09/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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Dear sir/madam On or about XX/XX/XXXX, right before the fraud transactions happened ( XXXX $ ) a series of fraudulent activity also occurred on multiple platforms. I had fraudulent activity on my credit cards ( XXXX as well ), social media accounts, and my email login credentials were changed. ( I attached photos ) It wasnt immediately noticed that a large amount of money was removed from my savings account, as I rarely check that, thinking it was safe. The police were notified, and an identity theft report was filed. This has been a very stressful situation for me and the hardship it caused is unimaginable.
TD Bank mailed me letters from the merchant that contains IP address login information, which is part proof of Authorization, from me. Whats bizarre about those, I was able to recover my emails and there was email sent From the merchant that also contains IP addresses, only one of the the 8 which matched the ones on the documents they sent to TD. They were all from different locations some relatively near and some far from my hometown, including Georgia, Pennsylvania, & Maryland. The information that the merchant is providing seems very in accurate and questionable.
Ive contacted TD banks fraud department. They were able to recover 5 of the 12 unauthorized charges. After that Ive gotten no help. Ive asked for a written explanation from the bank multiple times so that I could prove My innocence.. Im not sure how Im being told some charges were unauthorized and refunded to me, but the others were authorized. Im not a scammer, and none of the charges were authorized by me.
On XX/XX/18, I had {$5000.00} taken out on an IP address in Delaware. How is that me? I am attaching screenshots of the XXXX address along with its location.
|
| 04/28/2015 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
Older American |
|
On XXXX XXXX my XXXX XXXX partner received a phone call from a person saying he was a representative of XXXX and they had detected a problem with our computer. Coincidentally, I was out of town and we were having difficulty with the computer email system. So, he thought it was really a person from microsoft and gave his personal information as well as his Target credit card info. I returned home the next day and my partner told me of the incident. I called Target and asked to have a stop put on the charge. They said they could n't until it was posted. We called Target again on the following Monday, XXXX XXXX. The charge had been posted and we asked for a stop, explaining that we felt the charges were from a fraudulent co. called XXXX. Target told us that we needed to write a letter explaining what happened. We wrote the letter. target then sent us a form to fill out with a return addressed envelope. We filled that out and returned it. XXXX XXXX Target sent a letter saying they had not heard from us and sent a bill for {$390.00}. We called the number provided on the letter and got an answering machine from a guy named XXXX in Arizona. His message said he would contact us within XXXX days. We have yet to hear from XXXX and the bill will be due on XXXX XXXX. We fear that we will be forced to pay for services that will never be received and that Target supports thieves. What can we do? I went on line to search XXXX XXXX and there is a long list of blogs/complaints from people who have gone through very similar experiences. Most of them did not have XXXX and did n't give their credit card information. We will continue to pursue this violation.
We are unable to attach documents because we do n't have email capabilities with this computer.
|
| 09/15/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
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I have been writing to the second mortgage lien holder of the above referenced property since XXXX, XXXX, which is TD Bank. I have been requesting the accounting for the Home Equity Line of Credit since I last paid for it in XXXX. I went through a XXXX XXXX bankruptcy and thought the Home Equity Line of Credit had been dismissed through the bankruptcy process and I received a loan modification. When I went to sell it earlier this year because I am having financial difficulties in paying this loan, TD Bank sent a payoff charging for interest since XXXX. I could not sell the property because I would have to bring money to the closing table. TD Bank has never attempted to collect this debt. I have been writing to TD Bank since XX/XX/XXXX and sent them three Qualified Written Requests. To date, they have refused to respond and provide an accounting of the home equity line of credit. I need to sell this property so that it does not damage my credit and need TD bank to cooperate with me in discounting what is owed. At this time, TD Bank has not received any payment and will not receive payment if the property is foreclosed. I am attaching copies of the three letters sent to TD Bank via certified mail along with the USPS confirmation that the letters were received. I need to sell this property to keep it from damaging my credit and would appreciate a response from TD Bank to see how we can move forward and resolve this issue. The first lender, XXXX, is already beginning foreclosure action against me. I have attached copies of my letters to TD Bank along with the US Postal Service confirmation that the letters were delivered to TD Bank. Any assistance in having TD Bank communicate with me regarding this issue would be greatly appreciated.
|
| 10/05/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX.
I was switching from XXXX to TD Bank because my ex wife had access to the account and to protect myself and money i needed a fresh start. So I wrote XXXX valid checks to transfer funds. Without my consent or knowledge my ex wife withdraw all my funds and i became aware of this when my First Deposit came back from TD Bank Informing me of the situation. I than went into branch informed them of my situation and had to file claim to cover myself. Along with those Deposits my uncle XXXX XXXX endorsed his check that he received for {$15000.00} on XX/XX/XXXX they placed a XXXX hold on check which Is understandable considering the other situation. The check cleared but they ended up closing my account holding on to my funds. I had to get a power attorney from my uncle stating I had permission they still didn't accept it. My late father is the originator of the Check and he past away due to XXXX & the Rep from TD Bank told me they needed to see my fathers Death Certificate which II felt was out of line. They have since erased the account out of there system and transferred my funds to a internal Account and has been sitting there. When I call and give them the account number the Customer Service Rep. have no record of this account only two other accounts I've had in past. I honestly Want the funds returned to me because they don't belong to TD Bank. The Money Cleared Account number with TD Bank I'm speaking of is XXXX. After the fees they Charged the balance in my account was around {$14000.00} Its not the exactly amount but i know they deducted a little over {$200.00} from the {$15000.00} to cover the fees from other transaction.
As detailed as I am you know I'm telling the truth
|
| 05/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
I deposited a cashiers check on the XXXX of XX/XX/2023 into my business checking account. On the XXXX of XX/XX/2023 I checked my online account and the transaction still said pending so I contacted the bank and was told the check had a 6 day hold on it. I was told their policy is 1 to 6 days. I asked what was the criteria for whether it was 1 day up to 6 and was not provided a reasonable explanation. I asked to speak to a supervisor and was told one was not available at that time of the night but I could call back the next day. I called on the XXXX of XX/XX/2023, spoke with a supervisor and was told the same thing and that the funds are scheduled to be released on the XXXX of XX/XX/2023, which is more than 6 days from the day I deposited the check. I went to a branch and spoke with someone and was told that the issuing bank put the hold on the check not them and there was nothing they could do. I left, called the issuing bank which is XXXX XXXX XXXX XXXX and was told a cashiers check is guaranteed funds and that they did not put a hold on it. I called again on the XXXX th and the XXXX. On the XXXX of XXXX the supervisor tried to call the hold department but could not get through so she sent an email to try and get further answers. The check is for {$20000.00}. I've deposited cashiers checks into this account several times before, {$23000.00}, {$18000.00} with no problem, 1 to 2 days cleared. There is no problem with my account. I'm told there is a 6 day hold on this check but the funds won't be released until the XXXX which is 13 days after I deposited the check. I can not pay my employees or my contractors and my business is being held up and no one at the bank can provide a reasonable explanation as to why this check is on hold.
|
| 07/20/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Nordstrom Credit Card -- Received statement XXXX 2020 that contained a late fee of {$27.00}, though I had sent it in over a week previously. Contacted Nordstrom credit in XXXX to have the late fee removed, and signed up for AutoPay to have my entire balance paid off each month when due.
I received a printed statement in the mail for the period XX/XX/XXXX to XXXX XXXX, 2020, due XX/XX/XXXX, 2020. However, when the payment was due on XX/XX/XXXX, I looked online to see that my the bill had not been paid through AutoPay, so I phoned the credit card services and entered information to pay it electronically. However, I received a phone call from Nordstrom Credit Services, and the person at Nordstrom credit services told me my electronic payment didn't go through, my payment was overdue, and he had me make a payment through my bank debit card. He told me he would call the next time my payment was due to let me know if all was well. He then left me a phone message on the due date of XX/XX/XXXX2020 that said everything was OK with my account and AutoPay. Today, XX/XX/XXXX20 I received a printed bill in the mail that showed both the XXXX and XXXX due payments had not been paid from AutoPay. We phoned, asked to talk with a supervisor, who wouldn't listen to me telling her that no payment had yet been processed successfully through AutoPay. My husband, whom I authorized to speak, read her the check number once again ( this had already been checked twice before ) and verified it was the correct number I entered into AutoPay. She would not admit any mistake. Because this has been an ongoing, unsuccessfully dealt-with issue, my husband paid the the balance off in full on the phone with a credit card and closed the account, per my instructions.
|
| 06/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
A fraudulent purchase was made on my Target XXXX. Someone posing as XXXX got access to our computer.The phone number was the XXXX #. The man calling had an XXXX accent, just like many of the tech 's at XXXX, and you could hear other operators in the background.They said there was something wrong with the wi.fi and security with it. I don't understand all things about a computer. They wanted the wi-fi password. I do not know it to this day. They said the computer was compromised.Target happened to be sending on-line credit card statements to me even though I have always wanted paper statements only.The hacker asked for passwords to that acct. and a couple others. I didn't know the passwords.They said it didn't matter, it would just take longer and be harder to get access. The man was reciting e-mails to me and the screens were flying by. I was getting scared and angry.I called my sons and they said to shut down the computer. The hackers had control and I couldn't scroll or do anything. My son said to unplug it, so I did. During that time they bought a {$200.00} gift card.I don't like to pay bills on-line or do on-line banking. Only in an emergency, like when I had XXXX and couldn't get around.. At the time I didn't know the security protection had lapsed. Mainly the malware protection.I called Target and other institutions immediately and had acct.s frozen. Target was the one to tell me to call the 3 credit bureaus, which I did. The next day the man called, my son answered the phone and the man said his name was XXXX.He told my son he wanted to talk to me because he wasn't finished. My son hung up. We got a few more calls from XXXX. I did call XXXX on the XXXX and they said they did not call us, and didn't offer any advice or help.
|
| 05/05/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I initially filed a complaint against TD B ank, USA and debt collector attorney 's office XXXX , XXXX , XXXX , XXXX XXXX XXXX XXXX , XXXX . for deceptive tactics to collect on bad debt.TD Bank USA responded stating that XXXX , XXXX , XXXX , XXXX XXXX XXXX was servicing the account. I was sued on this account an d TD Bank stated they wrote this account off. If this is true, they never sent me a XXXX to report on my taxes. I contacted the Internal Revenue Service and it was stated that they did not have one on file. This would mea n two things, TD Ba nk wrote it off on taxes and are trying to sue me for what they wrote off, which would be illegal, or they have sold this account. It has already been determined in the letter that they charged the account off o n XXXX XXXX , 201 6 wh ich was in the response Case # XXXX . The attorneys are claiming they are suing me on behalf of the company, and if that is the case, that means tha t TD Bank is violating tax laws with the IRS, however if they are no longer custodians of this accoun t and sold it, I need them to state that in a response that they sold this account to the law firm. If they do not respond that they sold this account I am asking that this information be sent to the Internal Revenue Service for investigation into tax fraud. Tax fraud occurs when an individual or business entity willfully and intentionally falsifies information on a tax return in order to limit the amount of tax liability. Tax fraud essentially entails cheating on a tax return in an attempt to avoid paying the entire tax obligation. Simply TD Bank ca n't sue me and charge off the account.
The law firm filed a legal document bearing TD Bank as the plaintiff.
|
| 02/06/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
My wire transfer is held due to a US OFAC Investigation Request XXXX, details XXXX I would expect a delay related to this, but I would also expect due diligence and expedite responses from banks about this issue.
The Sender XXXX XXXX has replied back to messages and request for information though ON-LINE security messages, but the receptor TD Bank miscommunication and delayed response is adding unnecessary delay on this investigation.
I request XXXX XXXX to notify the recipient of this wire transfer delay, but they replied is under the TD bank compliance option to notify their customers. I contacted TD Bank customer service and ask them to notify the recipient beneficiary of the delay of this wire transfer. Even I did not request any information or details, they refuse to notify its customer about this transfer delay. TD Bank stated is following Privacy and security measures, but I did not request any information, just ask to notify its customer about this transfer delay Please note I have replied back to TD Bank with details requested by TD Bank, and they reply back three or four days after, and asking for more information.
I believe they should request all required information at once, and not taking two or three days for each response.
I also believe should have the courtesy to notify the wire transfer recipient about such delays, and expedite responses and request for updates from the sender bank.
The original wire transfer was initiated on XX/XX/2019, and today XX/XX/2019 I am still in the " limbo '' about the status of this wire transfer.
Sender : XXXX XXXX Acc # XXXX From XXXX XXXX Amount : {$1000.00} Date : XX/XX/2019 Recipient : XXXX XXXX XXXX XXXX ACC # XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX
|
| 01/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I originally opened a checking account in XXXX, received a promotional bonus and closed the account in XX/XX/XXXX. After seeing an advertised {$300.00} bonus which the terms indicated was " available to new customers '' in which " new customers '' were defined as " having no current or prior checking, savings or money market relationship within the preceding 12 months, '' I opted to open a new checking account in XX/XX/XXXX with the promotional bonus applied as I meet these terms. My prior checking account was closed 23 months before the current account, thus I am a " new customer '' and eligible for the bonus.
The bonus required that one open the " beyond checking '' account and receive direct deposits in the amount of {$2500.00} within 60 days. I met these terms with a {$2500.00} payroll direct deposit on XX/XX/XXXX. The terms dictated that the bonus would post within 140 days of opening the account.
The bonus never posted and, after multiple messages with customer service, I was told that I do not qualify for the bonus as I had a checking account in XXXX, violating the terms of the agreement.
A message received on XX/XX/XXXX with a customer service representative indicated that I would not receive the bonus as I received a bonus on a previous account and that the terms stated " one bonus per account per customer and can not be combined with any other offer. '' The message further states that " account XXXX earned a {$300.00} bonus on XX/XX/XXXX the anew account does not qualify as this would be considered combining with another offer, and therefore the account is not eligible for this promotion. '' However, this is clearly contradictory to the terms of the offer, misstating the published requirements to earn the bonus.
|
| 12/29/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
Hello. I purchased furniture through XXXX XXXX in XXXX of 2016 with deferred interest. I was receiving my statement notifications and was able to login online as needed to review the statements until approximately 60 days before my interest deferral expired. I stopped receiving my statement notifications and was unable to login to the site without issues. I reset my credentials and contacted customer support about my login issues and the inability to get my statements to ensure the balance was paid off. At that time, I asked on more than one occasion to change to paper statements. I confirmed my information and still did not get statements in the mail or email notifications until after the interest was charged. I contacted TD bank with multiple written disputes that they denied and they refused to assist me. I believe they stopped sending the notifications purposely and neglected to send the paper statements even after two requests to allow the deferred interest to get charged. I would like to discuss this as they now have me owing more than {$1700.00} in deferred interest with no statement notifications and no letter in the mail even after I asked to change to paper statements well before the deferral timeframe passed.
I am respectfully requesting the Consumer Financial Protection Bureau to help look into this and assist me as I have seen several other customers state online that they had similar issues with a deferred interest purchased account and TD Bank and failure to resolve statement delivery options and providing paper statements when asked if there was any issue with electronic notifications which is very unfair. Please contact me via email to XXXX, XXXX ( my wife ) or via phone to XXXX to help me get this resolved.
|
| 11/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Nordstorm : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also as stated in NORDSTROM CREDIT CARD AGREEMENT LINE 10 STATES 10. CREDIT REPORTING ; INACCURATE INFORMATION.
I hereby authorize TD Bank at its discretion to furnish information concerning my Credit Card Account to consumer reporting agencies and others who may properly receive such information. I may provide written notification by writing to Nordstrom at XXXX XXXX XXXX, XXXX, CO XXXX, if I believe TD Bank has information about me that is inaccurate, or that TD Bank has reported or may report to a consumer reporting agency information about me that is inaccurate.
There in no inaccurate information of mine with this account all information is accurate as also stated from XXXX XXXX Operations Control Management Lead all information is accurate, but still refuses and continues to report against my will.
|
| 05/24/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau, I am writing to express my extreme dissatisfaction with the actions of TD BANK regarding my Trust instrument. According to TD BANK, they have lost my original Trust instrument, which is a document of utmost importance to me and my family. This is completely unacceptable and I intend to take legal action against TD BANK for their negligence.
As a result of TD BANK 's carelessness, adverse action has been brought upon all three of my accounts, and I have been denied access to the Treasury by delaying the opening of a Trust account even though all necessary documents have been recorded. This is not only frustrating but also impacting my financial well-being. I demand that TD BANK rectify this situation immediately.
It is important to note that the IRS, all government branches of Florida, and the Federal Reserve Bank XXXX XXXX and XXXX hold copies of the private Trust instrument. This is proof that the Trust instrument exists and that TD BANK 's claims of losing the original document or not receiving it are false.
I would like to remind TD BANK that the Trust instrument is valued at {>= $1,000,000} and any further delays or negligence on their part will not be tolerated. I demand that TD BANK take immediate action to locate the original Trust instrument, deposit it with Treasury to compensate me for the financial loss that I have incurred due to their negligence.
I urge the Consumer Financial Protection Bureau to take swift action in addressing this matter and ensuring that TD BANK is held accountable for their actions. Thank you for your attention to this matter.
Sincerely, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX [ : confidential information forward to appropriate agents : ]
|
| 07/10/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
Older American |
|
On XX/XX/XXXX, my sister initiated a {$1000.00} transfer from her TD Bank Checking account to me via XXXX. I received notices from XXXX that I received the money. The XXXX app where I previously entered a debit card where the underlying checking account is where the money was to be received showed that I had received the funds. I could see in the checking account that pre-authorization transaction with XXXX listed as the merchant hit my checking account. The actual funds themselves were never received by my credit union where the checking account resided. I contacted XXXX and was told that they were simply a software platform and the money would have to be either at the sending or receiving banks. Both TD Bank and XXXX XXXX XXXX XXXX said they did not have the funds and pointed to XXXX as responsible for the money not being delivered. After multiple calls to XXXX, I finally demanded that the matter be escalated and that I speak with a manager. I was refreed to XXXX XXXX, a mid-level manager at XXXX, who claims he researched this extensively and determined that the funds were " found '' in a suspense account and that we simply needed to file a dispute with TD Bank to get the money back within 10 days. TD Bank at first refused to research the case because everything at their end said the money had been successfully transferred. TD Bank has not been able or willing to determine where the money ultimately ended up and that it was nit their problem. It has been 90 days and we are no further along than when we started. XXXX is not returning our phone calls. I am incurring interest charges and TD Bank has refused to give my sister {$1000.00} while the matter is being researched. No one is disputing that I did not receive the money.
|
| 04/24/2015 |
Yes |
|
- Credit line increase/decrease
|
|
Web |
|
|
I have been a credit card holder at Target for more than XXXX years. During that time I have always timely paid my bill without fail. My small credit limit of {$500.00} means that every time I use the card for more than {$100.00} I in effect negatively impact my credit score. I have made several requests over the last few months to have them raise my credit limit and all I am told is that they have a policy that they review accounts on an ongoing basis. However I should update my income which I did in early XXXX, early XXXX and the latest on XXXX XXXX and I would hear within 75 days only if the increase is granted.
However after numerous calls I have not been notified of any increase and have received no notification that the increase was denied or for that matter even considered because no notification was ever sent.
I have made several calls and no one will give me this information but they propose that as a solution to impacting my credit score I do XXXX or XXXX of the following:XXXX File for a debit card and in effect give target an interest free loan.
XXXX. Pay my bill immediately after shopping in the store even though the monies are not due for weeks depending on at what point in the billing cycle I hit.
Certainly target the right to deny credit to any customer that does not qualify but I would think that they also have a legal obligation to appropriately notify a customer whether or not a request for a credit increase was denied and also the reason. Frankly I feel that Targets failure it appropriately notify me is in effect a form of discrimination because this failure does not offer me the opportunity to determine if credit is being denied for an inappropriate reason and I am indeed being discriminated against.
|
| 09/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
On XX/XX/2023 I was charged a maintenance fee of {$15.00} dollars on my checking account. I have been seeing this charge and other fees more often on my account even though I comply with requirements. My checking account is free of charges as long as I keep a minimum of {$100.00} dollars. On XX/XX/2023 I went overdraft on my account due to a merchant processing a payment late. I was charged an overdrawn fee of {$35.00}. But there is grace period to avoid the fee of {$35.00} if you make a deposit which i did same day. The overdraft fee was reversed of {$35.00} and I complied. But on XX/XX/2023 I was charged a maintenance fee of {$15.00} even though I complied with the requirements of maintaining my account above {$100.00} within the grace period of same day bringing the account to good standing. These fees are misleading and deceptive that TD Bank is charging because even though you comply with the requirements, they still charge a fee later of hoping that you will not notice. These fees are deceptive and even though I complied by making a deposit and avoiding the overdraft fee of {$35.00} and low balance fee of {$15.00} I was still charged at the beginning of the month the {$15.00} dollars. I feel that if I complied and kept my account in good standing that I should not be charged any fees. But TD Bank has a tricky system that will still charge you the fees even though you are within the guidelines. Please see an email I got regarding " grace period '' guidelines that I did follow but was till charged the fees. There has been other feed added overtime such as ATM fees, balance inquiry fee, ect. Most of these fees are bogus ATM 'S that automatically process without you even asking for a balance and not my request of fault.
|
| 05/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Filed previous dispute regarding unfair and unlawful business practices that violated my rights as a consumer. Conclusion of the collection agency per resolution letter on XXXX XXXX stated that file had been closed and collection actions were terminated and client being Nordstrom was aware I contacted Nordstrom as well and verified this to be true on Monday XXXX XXXX. I have been contacted in the past and present month by XXXX collection agencies collecting the same debt with 2 different accounts numbers! I spoke to " XXXX XXXX XXXX XXXX XXXX and spoke to XXXX XXXX in which I provided a copy of the letter. I spoke to them today in which they advised that this file would be sent to there office of the president. I also received a notification in writing from XXXX XXXX in which are using a different account number and I also have sent them a copy of the attached letter sent to me back in XXXX. I contacted Nordstrom Card Services today and spoke to XXXX XXXX at XXXX who seem to not acknowledge the letter that was sent to me informing that the file is closed and collection actions terminated. I have informed Nordstrom and advised legal matters will follow if this matter is not resolved!
The Company that they hired previous XXXX XXXX violated my rights as a consumer, in which the file gets closed, collection action are terminated. Gets closed as a result of that and Nordstrom acknowledges and now they come back almost a year later and dismiss the agreement made. XXXX XXXX XXXX has informed me as of today that they have sent the Nordstrom file that was closed on XX/XX/21 to XXXX active collection agencies XXXX and XXXX XXXX same amount different account numbers. Both agencies have been sent a copy of the letter dated XX/XX/21.
|
| 11/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
Servicemember |
|
I opened a TD Bank VISA in XXXX, 2021. I requested a standard, monthly, paper bill be sent to my address. The way credit card companies have done for 40+ years. All was fine. The card worked, I received a monthly account statement, and I paid my bill.
Then, by XX/XX/2021, after receiving numerous TD VISA email requests to " VIEW '' my account online, I logged on to this account to just " VIEW '' the account. Nothing else, no changes, etc.
But, without warning ( or ) clear notice this TD VISA logon process ; changed the account setup ; to ONLINE BILLING only, and turned off the monthly, paper bill.
And guess what? The paper bill ( s ) still kept coming for 3+ months. Very deceptive and tricky, because I had NO IDEA the account was now online billing ONLY. No paper letter clearly explaining this change to WARN the customer of billing impacts to follow.
Finally, by XX/XX/2021 the paper bills stopped coming, I logged on saw a " LATE FEE '' charge, and was upset as to why there was a LATE FEE. I called TD BANK and the nice service representative said over, and over, and over that I signed up for ONLINE BILLING ONLY in XXXX of 2021.
Rather than argue with them. I turned paper billing back on. Setup payment. Paid the balance in full, including the deceptive late fee, and decided to share this experience.
How a credit card company can deceptively TURN OFF paper billing without clearly letting the consumer know is beyond me. In my opinion their clever online software which does this by default ( or ) automatically is illegal and they should be investigated for fraud and punished.
There are probably thousands of consumers that this practice is happening to, and the VISA companies are just racking up illegal late fees.
|
| 07/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Servicemember |
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I have had repeated issues with TD BANK blocking my cards and most recently my ability to access my online banking due to being in another country.
I advised my local bank I would be traveling abroad and there were no problems until they went to an automated security system which blocks my card about every 2 months. I recently had to file a complaint after roughly 50 consversations with the bank about the issue. My card was finally unblocked for at least the 10th time in two years within the last month.
Roughly two weeks later, they blocked my accesss to my online banking account. I can answer all security challenge questions and even did so on the phone. Their reply : If you don't have a US phone number that we can send a text code to, you can not access your account.
Having this as the only option is a violation of their duty to the consumer and is incomprehensibly irresponsible that somebody can verify all security information and still be denied access to their account.
Please request the recording of my discussion dated XXXX XX/XX/2020 with the TD Bank Customer Service Supervisor who did everything in his power NOT TO HELP, until I refused to leave, became aggressive and insistent.
Combined with the past violations by TD of rigging XXXX XXXX, Structuring Tranactions and otherwise being either dishonest and uncaring about their customers, they should either be forced to reform and have their license to do business in the United States revoked.
Despite repeated calls about this issue, I have never gotten any action until I have gone this route, via CFPB.
Within minutes of writing this and trying to access my account for the information requested on page 4 of this complaint, I have yet again, been blocked.
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| 10/22/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I bought items ( Total {$2000.00} [ {$1600.00} loan, {$400.00} deposit ] ) approximately a year ago ( XX/XX/2018 ) at a furniture store and applied for a credit card and was approved. During the process of delivery, the product was delayed and took approximately 2 months and was only a partial delivery ( {$1600.00} items delivered, {$400.00} item not delivered ). After almost 3 months of waiting, I bought furniture else which was needed and said I would not accept delivery since it was beyond the 2 months of waiting which was promised and I needed the furniture at this point was exhausted from the constant delays. The furniture store said they would not issue the credit/refund for the unshipped/undelivered item. I filed a dispute with the credit card it was too late to deliver at this point and I made other furniture arrangements. The dispute was closed very quickly, stating the furniture store issued me the credit for the item which was not delivered ( which is not true ). The bank is charging me for items that were never delivered despite it almost having been a year and accruing late fee 's as a result of it. The bank is unwilling to correct the amount owed for the items actually delivered, and is constantly calling me everyday and negatively impacting my otherwise stellar credit. The way the bank resolves the dispute in favor of the seller in the favor of the seller without any due diligence or investigation or validating any of the sellers false claims is completely unfair and prolonging payment process. I have no issues paying the correct amount balance and fees for the furniture that were actually delivered, but the bank agents that call regarding this matter are either unwilling or unable to help in this matter.
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| 01/22/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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This is a follow up to Complaint XXXX : I am trying to take out a mortgage on my house. I have a HELOC from TD that needs to be subordinated in order to close the mortgage. It had taken TD many many weeks to review the documents and to respond. It also seems like it has taken TD weeks just to retrieve documents that were faxed. This delay has caused my rate lock to expire and a need to refresh certain docs for my mortgage. TD is either non-responsive or takes weeks to respond. The subordination application was submitted on or before XXXX XXXX, XXXX. I reached out on XX/XX/XXXX for an update. I didn't receive a response until XXXX just saying things are delayed. I didn't receive a real response until XX/XX/XXXX. We have sent in all of the requested information by the end of XXXX and have not heard anything back yet.
UPDATE : TD finally responded 2 days after I submitted the previous complaint on XXXX XXXX, XXXX. TD denied our subordination request but proposed a counteroffer ( See attached ).
We gathered all of the additional information TD requested for their counteroffer and accepted TD 's counteroffer. ( see attached ) TD reviewed the documents we sent as requested for their counteroffer and naturally we expected that TD would now approve our subordination request. Shockingly and amazingly we just heard back from TD that after re-reviewing they apparently misunderstood the original subordination request and now are rescinding the counteroffer and denying our subordination request. This is totally incredible gross negligence by TD and awful treatment. What is even more amazing is that the real current situation is actually better than what TD had counterproposed!! It just makes no sense and TD is just incompetent.
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| 04/11/2015 |
Yes |
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Web |
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Target corp has acted in an unfair, hostile and predatory fashion : Post divorce I agreed to make payments on our joint Target account. My ex then closed it. I entered into a payment arrangement allowing Target to withdraw $ 100 monthly from my account ( they insisted they had to withdraw-I could not be in charge of sending it ). Last summer, while unemployed, I called and requested a forebearance, but they refused. A few months later they stopped taking my payments, which I did n't even notice. after about 90 days their collection folks contacted me. I told them they were mistaken-as we had an arrangement. I was then told that they had inexplicably stopped taking payments-and needed me to reauthorize them. I agreed to contact my bank and begin SENDING monthly payments-rather than giving the the opportunity to drop the ball yet again. I did, and payments have been made evry month-however Target continues to report me late-which almost caused job issues when I became re-employed, and which PREVENTED me from purchasing my vehicle at lease end-as-according to the finance manager-the only new negative since my lease began was Target-they had dropped my score more than XXXX points! As well-I was able to secure a new lease based on my perfect lease payment history-but due to the score impact my payment went up nearly $ XXXX. When I have contacted Target-they have unsympathetically basically told me to pound sand. The only reason I keep paying them rather than letting their account go is because is because I feel it 's the right thing-but I am tempted to default-since they trashed my credit anyway-due to THEIR ERROR-nothing that I did. I want them to retract any negative late pay reporting-since they caused/instigated it ....
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| 09/01/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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A few weeks ago I was notified that someone checked my credit. As I looked into it I found that TD Credit Card Services had done an inquiry. I called TD Card Services, their automated system validated me with my phone number and last 4 of my ssn. The automated system then told me that I had a XXXX balance and a {$4200.00} credit limit. After an hour on hold I spoke to a live person who told me there was no record of an account in my name or phone number. He could not explain why the TD Card automated system told me there was an account. I asked to have a supervisor from the fraud dept call me back and he said they would. I never received a call. Next day I placed a fraud alert with the credit reporting agencies.
On XX/XX/XXXX I received a letter in the mail from the Department of accounts and inside is a congratulations from XXXX XXXX which included my complete 16 digit account number and showing a credit limit of {$4200.00}. It was issued by TD Card Services. I immediately called TD Card Services and was left on hold for 3-1/2 hours from approximately XXXX XXXX until XXXX XXXX on XXXX. Note that the automated system again indicated that I had available credit of {$4200.00}. Today, XX/XX/2020 at exactly XXXX XXXX I again called XXXX and spoke to XXXX. XXXX attempted to transfer me to the fraud dept but I was promptly disconnected. I immediately called back and have been on hold for 1 hour and 15 minutes now.
Someone has obviously obtained credit in my name and the credit card company will not answer the phone! My credit score runs between 800 and 850. Are there any regulations that require credit issuers to answer the phone and provide support. This company clearly is not doing that! Please help!
Sincerely,
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| 02/08/2018 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened as a result of fraud
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Web |
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In the end of XX/XX/XXXX, I believe the XX/XX/XXXX, I received a letter from TD Bank that I had over drafted my account. I didn't have an account with TD Bank so I immediately suspected fraud. I called them ( spoke to XXXX XXXX in XXXX, SC ), but she wanted my SSN to tell me anything. I never heard of them so I didn't give it suspecting phishing. She told me there was a branch in XXXX, FL if I wanted to go in person, so I went the next day, XX/XX/XXXX. While I was there I spoke with XXXX XXXX, XXXX, XXXX. She told me that the account would be closed, and that I might receive another letter of two while they closed it. The balance due was {$390.00}. On XX/XX/XXXX I sent TD Bank a package that included information that I gathered with the help of IdentityTheft.gov disputing this account and charges. I sent it by USPS Certified mail, and I requested a receipt be returned showing that they received it. I received my receipt about a week later for the article. Unfortunately I can't read the signature. So far I have received no less than 6 more letters of intent to collect from TD Bank, I can't find the last one right now, but it was about two weeks ago and it showed a XXXX balance, so I thought this was over. On XX/XX/XXXX I received a collection letter from XXXX XXXX XXXX XXXX, ( XXXX ) informing me of their intention to collect XXXX on behalf of TD Bank. I called and disputed the charge immediatly. They told me that they would be turning the disputed charges back over to TD Bank. I filed a police report with the XXXX County Sheriff 's Office Fraud Prevention Bureau XXXX on XX/XX/XXXX.
This account was opened online, the person who opened it provided personal information about me, but provided no proof of who they were.
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| 07/26/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Just this month ( XX/XX/XXXX ), a " late payment '' hit my credit report while I am in the middle of purchasing a house. I logged into the TD Auto Finance website ( which I never do b/c the payments are made in person at TD Bank counter ) and there was nothing obviously that would show anything was 30+ days late. What I did see was what the balance due for " XX/XX/XXXX '' which is what they are stating is the missed/late payment. I called TD, spoke with a representative yesterday ( XX/XX/XXXX ). They stated that there was a payment missed in XX/XX/XXXX. It clearly was an accident because every payment before and after that has been on time and always more than the minimum. I was never notified about a missing payment. TD stated that do not call for missed payments but only send notices in the mail. I have never received one. They also said they sent me monthly statements, which I also have never received and they are looking into that. The on-line message center also has no notification in there under my account. When they told me it was late, I immediately paid the outstanding balance, which was less than a monthly payment due to all the over payments. Not only did they not make a fair attempt to contact me, they reported {$88.00} as " 30 days late '' with the credit bureaus but posted it on my credit 9 months later as if i was recently late. Had they either called me and/or even added it my credit when it was truly late, I would have paid it immediately. Now my current home loan I'm working on is at risk. They told me there was no phone or e-mail to contact anyone, I would only be able to mail my complaint to the Credit Dispute Department. My home is supposed to close in less than 3 weeks and this is now an issue.
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| 07/11/2019 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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XXXX. On XX/XX/2019, I applied for and was subsequently approved for XXXX Premier Checking account ending in XXXX in response to a mail promotional offer of {$300.00} ( there was link on the letter as well as instructions how to get the bonus. Here is the link https : //www.td.com/us/en/personal-banking/checking-accounts/ ). The terms and conditions state that Earn {$300.00} when you receive direct deposits of {$2500.00} or more within 90 days of opening your account.
2. By the end of XXXX, I met all requirements of the Offer ( I had direct deposits of more than {$4000.00} coming into my checking account ).
3. By XX/XX/2019 when it has been more than 90 days since opening the account, the bonus did not post. I contacted customer service for assistance and was advised by the a male specialist that an internal message had been forward to the marketing team to investigate my case. After verifying my successful direct deposit, the male specialist asked me to call again in the next few days to follow up.
4. On XX/XX/2019, no bonus posted, no reply yet. I contacted the customer service again and spoke to a female specialist, she first verified my eligibility to get the bonus, and suggested me to wait for some additional time. After hearing that I called the other day on XX/XX/XXXX, she looked up my account and found a response from the marketing team. The marketing team says that I used a wrong link to apply and therefore I am not eligible to receive the bonus. Unhappy with the reply, I asked to be transfer to a supervisor, the supervisor didn't do much investigations and just made up some policy saying I am not eligible. ( These policies were targeted at my special case, not mentioned in the terms and conditions ).
|
| 02/09/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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Hi, I hope all is well. On XX/XX/XXXX, while I was still away on business, and eventually en route back late evening from Florida, there were multiple fraudulent transactions which had taken place in the vicinity of XXXX XXXX.
Upon review of my account on Monday, XX/XX/XXXX, I discovered these transactions, which were still pending at that, and called into to my bank, TD Bank, to ask about further color on these transactions.
While speaking to TD, they disclosed to me that the credit card transactions had taken place on a number linked to my account, which should have been shut down in XXXX. In TD Bank 's words, the account was " closed improperly ''. These transactions on that particular card number should never have taken place. These transactions totaled {$120.00}.
In addition, there were multiple ATM withdrawals which totaled {$630.00} on that day. In addition, there were 6 inquiries on these atms on my account, with additional charges totaling {$18.00}.
I was also told that " Leadership '' would be calling me within 24-48 hours, as they were going to review the process around closing down that particular credit card number linked to my bank account from mid XXXX. I still have not heard back from " Leadership '', some 5 days later.
The charges ultimately did not post to my account until XX/XX/XXXX. I was told I have to wait until these charges posted to file a dispute.
Also, I had called to get the location of the XXXX XXXX transaction, hopeful that I could have it looked into by XXXX XXXX Police. TD Bank had informed me that they were unable to find that information, knowing only that it took place in XXXX XXXX.
I have also filed a police report, and have shared the police case number with the bank.
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| 12/31/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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I had tried to recover funds sent to a merchant who has failed to provide me with items/ products... I filled 2 disputes and submitted evidence of 22 pages, containing murderous statements from the merchant and threats to my life if I tried to get my money back... He sent me tattoo photos of his body of XXXX like XXXX or XXXX and others .... all of which td bank knows.. So their reply after closing it twice is I should deal with the merchant HERE IS WHERE THE BANK MADE ERRORS they are suppose to send me a letter but instead took XXXX ut on the XXXX of dec.. a day after my bday... they took my bday money my father just sent me They never alerted me that they would remove the funds and they closed the case. They never sent a letter stating their choice or the outcome of a dispute ON MY ACCOUNT... They called the cops on my after I said they must be okay with XXXX since they want me to visit a XXXX to get my money back and that the bank is being negligence by not keeping me into the mix with a dispute If they closed it in XXXX and XXXX due to not enough information then why didnt they reach out to ask They said they would call Hey never do I have to call to request a call back Horrible service and the government should get the recording You'd hear how much suffering this bank has caused me I had felt like a fugitive for having been a victim of a scam and my bank is turning their back and not taking responsibility to help me fight this other TD customer for my money back It is federally illegal to charge consumers for products/ services NOT provided I wrote this 2 times by hand to them. The individual also told me on the phone from td that the federal laws do not apply to me... she is willing to deny me my civil rights
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| 11/16/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/XXXX at XXXX XXXX 2 fraudulent charges were made thru my checking account. One was made in XXXX California for about {$15.00} and the other in XXXX XXXX New Jersey at a XXXX for {$80.00}. I was in neither place at that time nor have I ever visited those places in my life. When I saw the charges the next day I immediately called Td customer service line reported the charges and filed a fraud complaint. I went to TD bank in XXXX NJ to get a new card I closed my savings account and withdrew majority of my money from my checking but could not close the account because of the pending claim. 10 days later I got a letter in the mail saying they did not find it to be fraud because the charges were made via pin number and with in my area. those finding are impossible as I could not of been in cali and NJ at the same time on the same day and NO ONE HAD MY CARD OR PIN NUMBER. I opened another claim this time I got police report and brought it to the bank to show it was made and being processed. They have again denied the claim for the same reasons. Unfortunately TD bank had no direct line to the department and no one to speak to. Today I reopened the claim for a 3rd time in hopes they will overturn their ridiculous decisions. I would not go through all this trouble and switch all my banking information and autobill pay that is routed to this bank if fraud did not occur. No one has my pin or card. I have never been to either location and I most certainly would not travel to XXXX XXXX at XXXX XXXX to purchase XXXX bucks worth of product when I could go to a XXXX around my home. I will even go as far as getting surveillance from that XXXX of the night and time in question to prove I was never there making that purchase.
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| 03/25/2015 |
Yes |
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Web |
Older American |
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I am being harassed by Targets REDcard I had only XXXX charge on the card for aprox {$66.00} dollars around XXXX of last year thats when I realized it was a mistake to do business with Target. They said i was late so i owed them 35 dollars on my 66 purchase I paid the 66 and at the same time communicted to them through my credit account electronically to request that they remove the 35 dollar fee/fine/extortion as the cost of doing business with them, they apparently do n't check there e communications because i waited and waited for a reply and never got XXXX, XXXX they charged me 35 fee/fine/extortion again for not being a obedient XXXX so now they said i owed them 70 on my original purchase of 66 which i had paid, they finally reply to my e communication in XXXX asking me to call them. so i called them and i was told a supervisor would call me back which they never did but then i started getting robo calls from them but when you answered them they wouldnt connect. now by XXXX they added another 35 dollar fee/fine/extorion so now i owed {$100.00} on my original purchase of {$66.00} which i had paid in full months ago, they say they chancelled my card but they keep adding 35 dollars to it and apparently i also have to pay interest on their fees/fines/extortions. so a few days ago i called and talked to a team member who said they couldnt do anything now but they could have removed the original fee in the first month, they also claim not to have received any e communications from me even though i have the saved email resonse in my email account. now they have locked my credit account so i ca n't view my bill online??? totally disablied it but they now send me emails to log in??? I know now what the red target means
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| 10/24/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I opened an account in the 1990 's with XXXX Bank. XXXX bank was sold to XXXX Bank. I had several accounts with them. While going through a marriage separation, we were trying to limit the deposits and separate expenses in this joint account. There was NO overdraft protection. TD charged my account for overdraft fees. I immediately contacted them and they admitted this was an error and reversed the charges. This happened again for the next few months. Each time I called and they reversed it. They told me they put a note in my file to not apply overdraft but it could take several months. Each month, I continued to call and they reversed it. Then they reported all these errors as " late fees '' on a {$1000.00} line of credit I never had. I went to the branch and they apologized. Customer service assured me this would be reversed. It stayed on my credit report. XXXX late payments showed on my credit report and basically destroyed my financial life. I was denied mortgages and more. I hired a XXXX XXXX XXXX & they were told this would be reversed. XXXX years later it is STILL on my credit report. XXXX Bank takes no responsibility. XXXX has also helped me dispute it but TD refuses to remove it even though I have proof this was their error and they credited the fees. XXXX told me to file a complaint with the CFPB. Your assistance in removing this from my credit report ASAP would be greatly appreciated. It shows as a {$1000.00} line of credit and I've spent thousands of dollars and over XXXX years of time trying to reverse this error. No one would XXXX late payments on a {$1000.00} LOC. This was never authorized to be on my account. Again, your assistance would be welcomed. This truly ruined my financial life. Thank you.
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| 05/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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Spoke to Nordstrom Card Services About Removing the Late Payments from XX/XX/XXXX to XX/XX/XXXX. At that time, I faced a hardship. I was turned down from a Job I was recently hired for due to the Covid Virus Spreading and Starting the Worldwide Pandemic. I was unable to make payments.
I Tried to pay What I could, but I Didnt get Hired for Another Job Until mid/late XX/XX/XXXX. I was then Able to catch up on my payments in Early XX/XX/XXXX.
Being a Card Member since XXXX - and the pandemic - I Thought Theyd have some leniency.
In XX/XX/XXXX I spoke to Customer Service Trying to Explain and Resolve the Issue. They Stated they Could have the Late Payment Fees ( {$38.00} per late month ) Removed for XX/XX/XXXX and XX/XX/XXXX, but Not the Actual Late Payment Mark itself on My Credit Reports. Even if all the late payment marks from XXXX couldn't be removed from my report, at least the Months of XX/XX/XXXX and XX/XX/XXXX Where they Forgave and Adjusted the late payment fees should have been. This is not the first time this has happened.
Since I Caught Up on My Payments in XX/XX/XXXX, I have NOT been late since. I Made Another Phone Call to Customer Service Last Week ( XX/XX/XXXX XXXX. I was told again that the Late Payment Marks for XXXX could not be removed. I don't understand why. I Do Believe Its Unfair Only Due to the Fact That The World had Been forced into an Unforeseen Pandemic. I Have Also tried disputing it with no luck.
The Late Payments are Hurting My Score That I am Actively Trying to Improve Everyday. Please have these derogatory marks Removed due to the Financial Hardship I Faced and The Federal Declared Disaster. I Have Also Been In Good Standing with On Time Payments and Will Continue to Do So.
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| 10/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I applied for a mortgage refinance on XX/XX/XXXX with TD bank.
It is now XX/XX/XXXX and TD have not closed on the refinance.
I believe TD have deliberately extended the timelines at every step of the refi process to avoid closing on my mortgage, knowing that if we miss the close date they will increase the rate offered to me.
TD have charged me over {$1500.00} in fees now and still can not tell me when or if we will close.
They have been very slow in following up on paperwork, with weeks going by without any progress. They have been very unclear with me and my condo management about what they needed us to send them to approve the loan. My condo board had multiple email exchanges where the representative from TD was unable to explain clearly what she needed from us to underwrite the loan.
The appraisal costs I was quoted were incorrect and jumped up from the amount the quoted me initially ( {$520.00} ) to {$800.00}. I was told that was because I live in a condo.
I was told I had to pay their fees but it then turns out they have not yet been able to approve my condo for lending. I found this is strange as TD have confirmed they already lend to other condos in my building.
I believe these delays have been 100 % preventable and it is in TD 's interests not to close during the rate lock period as their rates have increased since we started this process in XXXX. They stand to make a lot more money from me if they let the rate lock expire.
I raised a complaint with TD on XX/XX/XXXX. They have not responded to my complaint or taken any action to address the delays. I followed up on that complaint today and it is now clear they do not intend to take any action to close the mortgage before the rate expires.
|
| 08/03/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
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TD Bank only has available branches in certain states. I was moving out of state for a job, went to the branch to close my account, but was persuaded to keep my account open based on their mobile deposit feature that would allow me to deposit my check and be available next business day. Now, I am several hours away from the nearest TD Bank branch, and they are holding my check for 4 days preventing deposit. The Mobile App where you deposit the check states that if deposited before XXXX it will be available same day, if deposited after XXXX it will be AVAILABLE next business day. The branch I was at is open 7 days a week and advised me that they consider non holiday weekends as business days. I gave them the flexibility that perhaps that was that specific branch, and the money would be available on Monday. It is now monday and they are telling me that that is wrong, and the money is not available, despite being told by their branch manager, and their mobile app that they money should be available. The previous mobile deposit I made was available to me next day, but only half of it, the other half was mysteriously put on hold, in which case the representative advised me he " did n't know why, but it should be available either tomorrow or the day after. '' It was eventually available to me, but they have yet to produce a reason for holding over XXXX dollars of my money in contradiction to their own written policy. I was also advised that the branch can push through the deposit and make it available to me today, but customer service can not -- again without explanation. I was told my only option was to drive several hours to the nearest branch and ask them to push through the deposit to make funding available to me.
|
| 02/05/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
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Web |
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I am having trouble opening bank accounts with XXXX XXXX, XXXX, TD Bank, XXXX XXXX, & other high level banking institutions. This is due to fraud that wasnt done by me. I opened a student account with TD Bank account in the beginning of XX/XX/XXXXXXXX. At the end of XX/XX/XXXX, there was a false check of {$4400.00} placed into my account after I lost my TD Bank card along with the account number & routing number written in an envelope in XXXX, NY. I wasnt employed at the time, so I couldnt have made anything close to that amount. I hadnt realized I lost my information until I got to XXXX. I called customer service to have that TD Bank account closed once I got back from a weeks vacation in XXXX ( XX/XX/XXXX-XX/XX/XXXX) .This account was for building a checking account for tuition. On XX/XX/XXXX, a friend of mine placed 3 false checks into my XXXX account ; each of which totaled to {$900.00}. I didnt know what he was trying to do really. At first, he said it was a favor then it turned into fraud once the checks appeared as false checks. He blocked my phone number & other sources of contact information after that. At last, the account automatically closed near the end of XXXX, XXXX. That XXXX account was opened in my XXXX year of high school in XXXX, XXXX. I was also using that XXXX account as my first funding option for college for food, groceries, school supplies, furniture for my apartment, & gas for my car. All of this has lead to me being unable to open other student accounts since Im trying to get back into school at The University of XXXX. These bank accounts are needed for me to receive funding, especially from family while Im away at school in XXXX. My family resides in various parts of XXXX XXXX XXXX.
|
| 03/12/2016 |
Yes |
|
- Credit line increase/decrease
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Web |
Servicemember |
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I have been a Target REDcard Visa cardholder since XX/XX/XXXX. My credit limit on my account was {$2700.00}. I have always maintained my account in good standing. I paid my account down to a XXXX balance in XXXX XXXX and did not use the card to make purchases for more than a year. Target updated their cards with the new chip technology and mailed me a new card to activate. Upon activation I noticed that Target had reduced my credit limit from {$2700.00} to {$200.00}. When I called Target to inquire as to why my credit limit was reduced, I was informed that Target 's company policy allows them to reduce and/or close cardholders accounts after 13 months of inactivity. I was floored. I asked to receive this information in writing and was told that Target can not send me this policy that apparently is tied to my credit agreement with them in writing. Essentially, Target is penalizing cardholders for NOT using their available credit AND they are NOT informing cardholders that this is a requirement or part of their credit agreement. By reducing my credit limit from {$2700.00} to {$200.00} Target has now negatively impacted my creditworthiness and credit score with consumer reporting agencies and said that in order to keep the account open I have to purchase something on the card. This is a deceptive, very predatory and unfair business practice! How can Target be allowed to do this? I was never notified that I was in jeopardy of my credit line being reduced or the account being closed due to inactivity. I 've been a cardholder for almost 10 years and now I am being forced to incur additional debt when I do n't want to or have the account closed by Target which will significantly and negatively impact my credit score.
|
| 12/02/2023 |
Yes |
- Credit card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American |
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I purchased two pair of jeans from Nordstrom online a few days apart, and returned both via mail, also a few days apart, with the mailing labels provided to me online by the store. When I received the credit card statement for XX/XX/, I checked my account on the store website to confirm that both pair of jeans had been returned AND RECEIVED by Nordstrom. Because both items had been received, I did not pay the credit card bill assuming I owed them nothing.
The next credit card bill for XX/XX/XXXX stated that my account was overdue. When I called, I was told that even though both pair of jeans were received, the one pair was not received until after the account had closed out for the month and therefore still owed the minimum payment.
I was directed to the small print on the Nordstrom website regarding returns which states that it takes 14 days for a return to be processed and then another 3-5 business days for the credit card company to place the credit on your account. Therefore, the consumer must pay the minimum amount on the credit card account even though the store has the product! It was further explained to me that once the store and credit card company finalize processing the return, the account will then show the proper credit. You must then ask the credit card company to send you a refund check or you can use your card and apply the credit to a future purchase.
This " return policy '' is incredibly deceptive and intentionally designed to force a consumer to have to make a minimum payment to the credit card company -- in other words, they have the use of your money AND the product. Because everything is done by computer, there is no legitimate reason for the amount of time to process the return.
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| 01/04/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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I am XXXX XXXX, I was incarcerated from XX/XX/XXXX, through XX/XX/XXXX. During this time XXXX XXXX was assigned as my POA. My credit cards were stolen from her possession. The Cards were reported stolen, and reissued, but time and again the card was intercepted and taken. In order to preserve my credit, my POA paid minimum payments until my release from prison. I found out that multiple cards were opened in my name. Police reports were made. The person that stole my identity and credit has been arrested, charged, and waiting sentencing. She has been indicted. There are approx 30 felony charges against the person. My POA sent copy of police report, copy of proof of the person charged and arrested. Yet TD Bank REFUSES to acknowledge the theft, and REFUSES to remove the fraud charges and refund all money paid to them. The are destroying my credit. All other Banks have finally refunded and removed are charges. I am asking the Banking department to assist in getting TD Bank to acknowledge the theft and remove all charges, restore my credit and refund money that was paid to keep the account current until I was free to fight this action myself. The Prosecutors office has already made clear that this card is part of the criminal action against the person responsible.
Please feel free to contact me.
The Prosecutor file number : XXXX in XXXX XXXX Victim Witness Advocate is XXXX XXXX XXXX. Because XXXX XXXX is my POA the Prosecutor acknowledged the theft and therefore prosecuted.
Complaint Actions Requesting to have TD Card Services REMOVE all Charges, RESTORE my credit, and REFUND all payments made on fraudulent charges. All other card accounts from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, etc. have refunded
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| 07/24/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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I purchased a new phone on XX/XX/2020 through XXXX XXXX ( which goes through TD Retail Card Services ). I received and email welcoming me to XXXX XXXX. This is an excerpt from the third paragraph, " Once you receive your welcome kit in the mail, you will have everything you need to finish setting up your XXXX XXXX online account profile. '' I never received the welcome kit. I waited until XX/XX/XXXX, figuring it was just delayed due to the pandemic. On XX/XX/XXXX I called XXXX and they directed me to contact TD directly. I called and I never got an answer. So I went to their website and clicked the link for if you have trouble accessing your account ( XXXX ). I sent the Email that same day, XX/XX/XXXX, and I didn't receive a response. I called XXXX again on XX/XX/XXXX, again they directed me to contact TD directly. I spent an hour and a half on hold, and sent another email. I finally got a response. They asked for my first and last name, then my zip code. They said they were able to find the account then asked for permission to send me a passcode to the phone number on file. I received the passcode and replied within 1 minute ( I have the timestamps to prove it ). No response. On XX/XX/XXXX I sent them an email stating that I still didn't have access to my account and if I didn't receive a response I'd be contacting the credit bureau ( after further research I realized I needed to contact the CFPB ). I still did not receive a response. I'm trying to purchase a home and I don't know if or when they're going to send me to collections for non payment. I've acted on good faith messaging them, calling them, trying to get them on the phone. I do not have the time or energy to deal with them any longer. I need help.
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| 01/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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To whom it may concern : My name is XXXX XXXX. On XXXX XXXX, 2017 I sent several certified letters over to each of the creditors and credit bureaus and you have yet to correct the error account that you are reporting on my credit profile. You continue to send me a bogus verified code account. I am unaware of the accounts listed below and have no knowledge of the accounts. I have never applied for any of the accounts. I have no idea, credit cards and have never applied to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX & XXXX XXXX At this point I am fed up and I am distressed. My only result is to take legal actions, I remained professional through out this situation and Ive sent in certified documents hoping that you guys would correct the error in respect to violationg my rights within The FCRA. I am only left to contact the attorney generals office in XXXX XXXX County, also File a police report against your company for using my credit profile and placing error accounts on my profile without my consent and this isnt the first time that you have done this to me. At this point I am fed up and in distress with the XXXX that you are causing. You have caused me so much problems and I will make sure you pay the consequences and court fees of {$10000.00} in court fees for violating me through the FCRA, placing error accounts on my credit file and other violations. At this point this is my final attempt to resolve this issue out of court. If you feel that I am wrong please feel free to provide me with all the necessary steps, documents used to determined that this debt is for me and I am liable for it. Please provide me with the necessary information and detailed copies of the paper work and documents. Thank you please.
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| 05/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with [ name of business where account was opened ]. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report.
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify [ the business where the account was opened ] and tell them the debt is the result of identity theft.
[ Provide details about what happened. Include the dates and amounts of fraudulent transactions. ] I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform me that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Identity Theft Report Included
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| 03/03/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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The store card administered by TD Bank offers a deferred interest period of either 6 or 12 months depending on your purchase amount. They encourage you to sign up for electronic statements and billing, but their online payment system is designed to make you underpay during your promotional period so that you will be walloped with a massive amount of accumulated interest at an incredibly high rate. They have the online payment system rigged so that you CAN NOT pay any more than the minimum payment due each month on auto pay. Of course, if that's all you are allowed to pay through the system each month, then you will be far short of the total due during the promotional interest-free period. It is obvious that they have set their system up to increase the likelihood that consumers will either ( 1 ) have to make individual monthly payments, which increases the likelihood of missed or late payments, which will in turn incur late payment fees and it will be considered a default on the interest-free terms of agreement and they can start charging interest immediately ; or ( 2 ) they will only pay the minimum monthly payment since that is all that the online auto pay system will allow and then they will be be far short of having paid off the balance during the promotional period and will incur accrued interest at a whopping 29.99 %.
This is THE ONLY online system I have ever used that prohibits consumers from making automatic monthly payments larger than the minimum payment due. It is down right fraudulent in their attempt to force consumers into defaulting on their interest free period.
I called them on XX/XX/18 and they confirmed they will not allow automatic monthly payments larger than the minimum amount due.
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| 04/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Credit decision / Underwriting
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Web |
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At the end of XX/XX/XXXX, I applied for a refinance of my home with TD Bank. When I applied, I had an existing XXXX mortgage and an existing HELOC with TD. The refinance was for cash out, debt consolidation. When I received the loan decision from XXXX, I noticed that the terms I had applied for were changed. I was not notified that the terms I had requested changed - they simply changed. ( My application was to keep & subordinate the current XXXX - their approval changed it so that the XXXX was to be paid in full ). When I contacted them that I did n't think they could change a mortgage applicaiton w/out notifying me, without any indication, they immediately changed it back even though the comment was that I did n't qualify. I closed the loan as submitted. XXXX months ago my circumstances changed. I had a loss in income, I had an increase in other monthly obligations and when I contacted a realtor I found that my house was n't worth near what the appraised value at time of refi was. I contacted TD Bank in XXXX XX/XX/XXXX before I was due or delinquent with XXXX and applied for assistance, for a modification of the terms of the P & I payments for both XXXX and XXXX ( which will soon be both principal and interest that I can not afford ). After weeks of calling with no return phone calls, TD did state that they would roll the late fees into the mtg amount but they would not modifiy the P & I payments. They said I make too much, that the housing is 32 % of my gross income. I told them that if they looked at my residucal income, after I pay the mortgage, I would not have enough to provide myself and my family basic human living requirements - heat, electricity, grocers, a car to get back and forth to work, etc.
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| 07/22/2015 |
Yes |
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- Closing/Cancelling account
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Web |
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I have deliberately overpaid my Target Red credit card, which resulted in positive credit balance, in order to increase the purchasing limit on my Target credit card. But when I tried to use my card, Target suspended it and did not allow me to use their card to make purchases, nor did they accepted to close the account and refund the credit balance.
I contacted Target to resolve the matter, but Target kept stalling and delaying for unreasonably long period of time. First they requested that I fax them XXXX documents to " verify my identity '', which I complied with by sending them the documents more than once as Target claimed they " did not receive '' my fax. Finally, Target admitted that they did receive the documents to verify my identity.
But even after verifying my identity, Target refused to release the funds to me ( by letting me use the card, or by refunding me the balance on my credit card ). This time, Target demanded to verify the source of funds that I used to overpay my credit card, so I explained to them that the source was prepaid XXXX debit cards, which I used in their own store to pay my target credit card, and therefore they have the detailed record of the source using their own system, but Target still refused to release the credit balance with the pretext that they " need to investigate the source of the funds '', and they refused to give me a date for when their investigation will be competed.
Already one whole month has gone by for this investigation and the investigation does not seem to be going anywhere, and to me it seems Target wants to keep this investigation going indefinitely for the sole purpose of stealing my credit balance rather than to actually do any investigation.
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| 03/28/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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My savings account reflected a withdrawal in the amount of {$3000.00} on XX/XX/XXXX at XXXX pm executed by XXXX XXXX XXXX. I was not at TD Bank at this time.
After several attempts to resolve the above, I was told on XX/XX/XXXX that someone presented my actual card to the teller mentioned above and made the withdrawal. I informed them that my card was in my exclusive possession at all times up until XX/XX/XXXX and it is impossible for someone else to show up with my card and made this withdrawal.
A complaint was submitted on XX/XX/XXXX with the bank 's internal fraud unit. I asked if I can see the surveillance footage for this transaction. I was told that the assigned investigator will contact me within 3-5 business day and he will determine whether I can see the footage. I asked what if him/her does not allow me to see the footage. I was told that then I will have to file a subpoena to see the footage. ( If this is the case, it will be difficult to believe this investigator, if I can not see the footage. I see no reason why I should have to pay to see this footage ).
I do not trust TD Bank for the following reasons : 1 ) I can not comprehend the logic that someone showed up at the bank with my card for a withdrawal when my card was never missing and never left my possession ; 2 ) Without the opportunity to see the surveillance footage for this withdrawal at XXXX XXXX, this assigned investigator can tell me the same as what customer care said to me that I was at the bank and did the withdrawal at XXXX XXXX on XX/XX/XXXX.
Nothing makes sense and I am now questioning whether there is anyone at TD bank who is capable to investigate this withdrawal and provide an accurate/honest report.
Thank you.
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| 07/15/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am the consumer, the natural person and original creditor as pursuant to 15 usc 1692a ( 4 ). I do not validate the alleged debt from TARGET CARD SERVICES. TARGET CARD SERVICES has violated my federally protected consumer rights. As pursuant to 15 usc 1602 ( j ) I the consumer have a open end consumer credit plan, and the account doesn't reflect that which is a violation of my consumer rights. TARGET CARD SERVICES has attempted to communicate through the mail in connection with a alleged debt and without my prior consent, which is a violation as pursuant to 15 usc 1692c ( a ). TARGET CARD SERVICES conduct is harassment as pursuant to 15 usc 1692d ( 2 ) in connection with the attempt to collect the alleged debt. TARGET CARD SERVICES has used false and deceptive representations of the amount of the alleged debt which is a violation as pursuant to 15 usc 1692e ( a ). If the alleged debt is owed why is there a positive balance? TARGET CARD SERVICES has shown unfair practices using symbols on the envelopes which is a violation as pursuant to 15 usc 1692f ( 8 ). TARGET CARD SERVICES has furnished deceptive forms as pursuant to 15 usc 1692j ( a ), since I am the original creditor and I am not participating in the collection of the alleged debt. I have notified TARGET CARD SERVICES in writing that I refuse to pay the alleged debt and wish TARGET CARD SERVICES to cease & desist further communication. As well as sent an affidavit and validation of debt requesting to tell me who is the original creditor, all sent certified mail along with a an invoice. Since TARGET CARD SERVICES has failed to comply with provisions of 15 usc 1692 TARGET CARD SERVICES is liable as pursuant 15 usc 1692k ( 1 ) and 15 usc 1692k ( 2 ).
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| 12/23/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Money order
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- Confusing or missing disclosures
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Web |
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To whom it may concern.
I had two money orders that were purchased on 4/21/ 2016. At the date of purchase, the teller at TD bank guaranteed me that they did not expire. As long as I didn't lose them, I could deposit them whenever I needed. I put them away for emergency.
On XX/XX/XXXX I wrote one of the money orders out to my friend to deposit at her bank because i owed her money Her bank said they could not deposit it because they needed the bank it was purchased at to reissue it.
On XX/XX/XXXX I took the two money orders back to TD bank to get them reissued. Instead of reissuing them, the teller deposited them and said to see what happened since after 3 years they get stale dated. On XX/XX/XXXX the money was deposited into my account and showed on my available balance. I also deposited XXXX $ at the ATM into my savings, while i was waiting for the money orders to go tnrough. After the money was authorized and available into my account, I then transferred XXXX $ of the money order into my savings because the minimum they require is XXXX XXXX On XX/XX/XXXX after the money was authorized, they just took the money out and charged me two XXXX $ transfer fees. Prior to this, no one from TD bank told me that after 3 years money orders get stale dated and goes to the state. Also, nowhere on the money order does it state any date of expiration. I dont understand why they would deposit the money orders, authorize the money into my account, then 3 days later return the money and charge me a transfer fee. This has been a very stressful ordeal and it seems like TD isn't helping me or being clear about where my money is and what two do. It even says on their website that money orders do not expire. Please help me.
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| 10/31/2017 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX checks were deposited into my TD Bank account without my knowledge or authorization. The signatures on the back of the checks are a forgery of my signature. On XXXX XXXX, XXXX there were XXXX XXXX XXXX XXXX unauthorized ATM withdrawals from my account. On XXXX XXXX, XXXX there were three ( 3 XXXX unauthorized ATM withdrawals. There was also an unauthorized charge made at a XXXX store. TD Bank called me to report a possible illegal transaction. I confirmed with TD Bank by phone that the transactions were indeed fraudulent transactions. I had virtually no money in my account so therefore I should have had no activity. TD Bank can easily ascertain that the transactions were unusual for my account as they obviously presumed when TD Bank called me to report the unusual activity. I filed a Police report as soon as I received the telephone call from TD Bank alerting me to the fraud. TD Bank had carried a negative - {$2100.00} on my account for four ( 4 ) months. Then for several months I received bank statements and the negative- {$2100.00} did not appear. I recently settled a XXXX ' XXXX case. Once the settlement was deposited into my TD Bank account, TD Bank used " self help '' and debited my account for {$2100.00} ( XXXX offset ). This was the amount that was illegally obtained through their ATM machines. TD Bank, knew that I was a victim of fraud. TD Bank 's erroneous position that I am liable for the theft that TD Bank allowed to occur at their ATM machines is ridiculous. The XXXX detective informed me that the video at the ATM machines where the crimes were perpetrated clearly show that I am not the person at the ATM machine withdrawing the money.
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| 03/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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reporting company 's investigation into an existing problem We received your complaint. Thank you.
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.
YOUR COMPLAINT I disputed the following information below contained in the attached files with XXXX, XXXX AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NORDSTROM XXXX XXXX tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
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| 08/20/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
Older American, Servicemember |
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As a customer of TD Bank, I received an email message XXXX XXXX informing customers that the bank would be increasing its monthly fee for paper account statements from {$1.00} to {$3.00}, beginning XXXX XXXX. Here 's a portion of the email message : " Heads-up. The paper statement fee is increasing to {$3.00}. But don't worryyou can avoid this fee just by enrolling in paperless statements. Plus, when you make the switch, you'll eliminate clutter, help the environment and enjoy XXXX access to your account information. '' Tripling the fee adds up to {$36.00} per year per customer, which is exorbitant, and amounts to coercion to transition to online banking, which I, as a senior citizen, wish not to do. This move presents a hardship to seniors I know who aren't on the internet and to lower income customers, especially in rural areas, who don't have access to reliable internet or who simply can not afford the service.
As the XXXX XXXX XXXX XXXX notes in a XX/XX/2016 paper, " Paper statements must be available for free for consumers who want them, and consumers should not be coerced into electronic statements or steered into them by default if paper is the consumer 's first choice. '' In the report XXXX enumerates several reasons regarding the importance of paper statements as a consumer protection : XXXX XXXX XXXX I have been willing to pay the {$1.00} per month fee to receive paper statements because I think having a hard copy for my records is important ; however, I feel " taken '' by TD Bank 's move to triple the fee.
As XXXX writes, " Unfortunately, some financial institutions are aggressively pushing consumers into electronic statements, using tactics that are questionable and arguably illegal. ''
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| 09/06/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/2022 @ XXXX my mobile phone access to all apps, calls, emails, etc was disabled and it took 90 minutes with XXXX to get everything re-activated. At this point, I was advised that my online TD Bank password was changed, so I immediately called the Fraud Department at TD who froze my accounts. In this window of inaccessibility, it turns out I was the victim of identity theft and that the person who accessed my account had tried to remove funds from my checking account through XXXX ( three separate transactions - {$2500.00}, {$1000.00}, {$1000.00} to an unknown person ) and pay transfers at a Jewelry store in the XXXX, NY XXXX XXXX XXXX XXXX XXXX - {$500.00}, {$500.00}, {$2000.00} ). TD theft protection software blocked 5 of the 6 attempts, however the {$2000.00} pay transfer was pulled from my account.
The next morning, I went into my local TD Bank and canceled all my accounts and re-opened new ones. The TD representatives advised that they would submit the claim for the {$2000.00} reimbursement with TD corporate and I should see my account credited within 7-10 days. TD corporate transferred my request to XXXX who operates the debit cards for TD and rejected my claim as they assume I physically used my debit card to complete this transaction, which of course was not the case. I have since returned and worked with the local TD representative in the bank to re-submit my claim two other times and was rejected each time. The local representative has provided a detailed explanation each time, however, I am still unable to get my account credited with the funds that were stolen.
My identify protection agency, XXXX, advised that I submit this to you for your help.
Thank you and best regards, XXXX
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| 04/14/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
Older American |
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My password did not work when I tried to access my checking account online. When I called the bank they gave me a run around and told me I need to visit the bank " in person '' and unless I did that they were not going to unlock my account. When I explained to them that this was not possible due to recent XXXX XXXX they told me, in essence that wasn't their problem. Last XXXX when I was in the hospital getting XXXX XXXX XXXX XXXX ( I am XXXX ) they did the same thing and would not help me ( even though I was calling from the hospital ) until I filed a regulatory complaint. The resolution at that time was that they put me in touch with a bank employee who solved my problem ( XXXX XXXX - Customer Response Analyst ). At that time he wrote " If you have any additional concerns, please contact me directly at XXXX ''. When I called him this time ( before filing this complaint ) he never called me back. I know he still works there because his voice and name are still on his outgoing message. As an FYI I have had the same account for at least 30 years, it has about {$50000.00} in it and when I called them I answered all their verification questions correctly ( even though they deny this ). I gave them my name, my ss #, the account number, the last transaction, when and where the account was opened, my direct deposit that comes in every two weeks. Also. this time when I called the bank I was calling from the same phone number that has been on my account for 30+ years ( XXXX ) except for about four weeks when I was using an XXXX from the hospital last XXXX ( that phone number was different ). Also, I have called them 4 times to put the XXXX number back on my account and it appears they still have not done that.
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| 09/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Issue : My mortgage with TD Bank was under COVID forbearance from XX/XX/XXXX, to XX/XX/XXXX, but charged late fees and reported to credit bureaus as late payments during the forbearance months.
Facts : -Approved on XX/XX/XXXX to enter Forbearance for 3 months ( XX/XX/XXXX to XX/XX/XXXX ) -Called XX/XX/XXXX to get taken off forbearance as I was setting up a payment to settle deferred amounts from XXXX - XXXX -Made payment for the deferred amounts under forbearance on XX/XX/XXXX -Late fees charged for the 3 months in forbearance in early XX/XX/XXXX and reported to credit agencies as late even though under the CARES ACT, deferred payments made under the forbearance agreement can not be reported as late and affect credit Remediation taken with TD Bank : -Called Loss Mitigation Department ( XXXX XXXX ) on XXXXand spoke to XXXX and requested her to remove late fees and update credit information that the mortgage was not late -On XX/XX/XXXX received notice that credit score was impacted - TD bank reported to credit bureaus XXXX was late -On XX/XX/XXXX : 1 ) Called Loss Mitigation Department again ( XXXX ) to request removal of late payment remarks and removal of fees, but directed to the loan servicing department ( XXXX ) to remove fees and to submit this form to address credit report mistakes.
2 ) Sent by USPS certified mail to TD Bank to address late fees and remove late payment remarks to credit agencies.
3 ) Called loan servicing department ( XXXX ) and she submitted to payment research team to remove late fees and rescind negative late payment marks on credit bureaus -As of XX/XX/XXXX, TD bank removed late fees, but credit agencies have not been updated to remove late payment remarks on the account.
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| 12/03/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
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I am in writing in response to a letter received from TD Bank on XX/XX/XXXX. Please see attachments for further details.
This has been an ongoing problem with TD Bank. I have been willing and able to pay my mortgage for approximately over a year and a half at this point. The constant inter-departmental errors and miscommunications which have needlessly prolonged this situation seem to be continuing.
Detailing the entire history of this account is beyond the purpose of this format. At this point, I am communicating through CFPB as a means of documenting and tracking my correspondence with TD bank. I received an escrow statement and application for CONSIDERATION for a loan modification. I have done this twice before with TD bank. each time, different departments erroneously altered terms due to miscommunications which led to my payments not being applied to my balance and continued foreclosure processing.
Please see CFPB correspondence from TD bank on XX/XX/XXXX. The representative states that " He [ consumer ] can expect the Modification and Amendment Agreement to be mailed to him under separate cover, no later than 30 days from the date of our letter. '' I have not received any modification agreement to review. Moreover, this is the first letter I have received pertaining to my mortgage in approximately 150 Days, well over the 30 days stated in the correspondence on CFPB.
My previous experiences have shown that the " modification application '' is a futile pursuit and I will not be expending resources to complete the application. Once again, I am fully committed to meeting my JUST obligations to TD bank and I ask that the bank reciprocate at least by means of clear and consistent communication.
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| 02/04/2017 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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I have disputed {$210.00} in overdraft fees to my bank and the response I received did n't address my concerns so I am contacting you. I did a transfer using XXXX XXXX and afterward I checked my account which reflected the deposit. Following this, I sent a payment through the service XXXX. TD Bank later changed the order of my transactions to make it seem like I sent the XXXX payment before the XXXX XXXX deposit posted. This is not what happened and this is not what my account reflected when I checked after I accepted the XXXX XXXX money transfer. I contacted the bank 's customer service line and was told that I would have to go into a branch to get a refund because she was only allowed to give my back {$35.00} over the phone. When I went in to the branch, the representative told me that TD bank has a policy where purchases are posted before credits, no matter if the credit is received first. And then she said she would only be able to refund me {$35.00} of the {$210.00} overdraft fee. I told her that changing the order of transactions is illegal and I know XXXX XXXX, XXXX, and XXXX XXXX XXXX recently had to pay a XXXX dollar settlement for engaging in these practices. She told me that she would email her branch manager to see if they could refund me all of the fees. I never heard back. This was a branch on XXXX and XXXX XXXX. I also called the customer service number again and told them it was an emergency and I needed those funds because I was moving that day. The supervisor I spoke to only refunded me {$70.00}. So, the bank still owes me {$140.00}. I am reaching out to you in hopes that you can help me resolve this issue. I have had trouble getting food because of this bank error and it is not fair!
|
| 11/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
In XXXX of 2021 I had use a credit card from td bank I was doing good on my payments but then I had a family XXXX in the family because of XXXX and I could no longer make payments. I called td bank credit card services and they said we can help I had someone call me XXXX XXXX in the morning took my information and then the next day I was denied. The rep never told me that I had to wait 9 months to get help. I blame td bank for this because they told me not to pay the bill until it is late so they can help me with the bill. LIES not only did they tell me thats not there policy they dont help you unless its 9 months now they put late fee after late fee. When I tell them they were the ones responsible they just write me hate mail stating if you dont pay your bill will be forced to send it to a collection agency. Basically Im being threaten Im XXXX a senior why are they doing this they have no heart. They sent me a rep named XXXX he was the worse rep he did not try to help me at all all he kept telling me was about there policy and apologized for someone who didnt know there job. Td bank wont help me they havent even tried to take off any fees when they said they did take off fees it was only towards the bill itself not the bill installments. Even tho the rep gave me the wrong information td bank is suppose to honor it. They dont want to honor it because they want the bill to go high enough where it can go to an agency. They keep telling me on all the letters they sent we can help if you cant pay your bill but every time I call the number they keep saying 9 months thats are policy and hang up on me so its just lies they dont want to help me at all. Im paying what I can pay Im tired of them harassing me.
|
| 10/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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XXXX and TD BANK received non public private information in the form of a credit application as a security collateral to receive credit for my consumer for family and personal needs. TD BANK with the help from XXXX used the XXXX XXXX scam to discriminate against my person and block my person from trade and commerce by violating my inalienable right to credit while the consumer is practicing good faith in doing so. XXXX and TD BANK must be receiving kickbacks from the adverse action giving to consumers practicing good faith and their right to credit. XXXX remove inaccurate inquiries from my consumer profile placed by TD BANK on XX/XX/XXXX and XX/XX/XXXX both inquiries are results of identity theft and unauthorized consumer credit transactions which no consent was released. as a living man, I believe that my property is being administered without my consent, and I require the immediate restoration of said property or I will be charging a dollar per second until the remedy is given. My application that I endorsed not as an accommodation to the party not as joinder or surety but as a creditor/beneficiary in my private capacity. The injurys caused by adverse action hindering my rights as the original creditor giving his energy to obtain credit has caused severe damages in real time and I demand restoration. This is my notice to XXXX and TD BANK for the violation of the EQUAL CREDIT OPPORTUNITY ACT and CONSUMER CREDIT PROTECTION ACT along with withholding my securities committing securities fraud. Release my application for credit and return the application for credit. I revoke restrict rescind retract all interest or proceeds or anything of value from TD BANK and have it returned to the original creditor.
|
| 02/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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My name is XXXX XXXX. On XX/XX/XXXX, someone claiming to be me, opened an account with XXXX XXXX XXXX through XXXX online using my ssn, birthdate, and address which were available on the dark web after the XXXX Target breach. The person used my maiden name, XXXX XXXX, which I haven't used since XXXX and took out a loan for {$16000.00}. I called XXXX and XXXX after receiving the welcome packet for the loan saying this was not me, and they said not to worry about it as they put it in their fraud department. Later I got a letter with a late fee. I called again and they seemed to act like they understood. Then I was sent a letter from a collections agency. I called and said that this was fraud. They sent the case back to XXXX. Now XXXX is asking me to prove that it isn't my account. They asked for my identification, a dispute letter from identyTheft.gov and a note from TD Bank proving fraudulent activity. I gave them all the information, except the note from TD Bank because that is not my account. They said we looked it up and your name is on the account. TD Bank has tons of accounts with the name XXXX XXXX. I called TD Bank and they did not have any accounts open with my ssn, phone number, or address. Because my information did not match up and XXXX had only given me the last 4 digits of the account number, they could not help me. XXXX won't listen and says I have less than 30 days to prove that is not my TD Bank account or they will assume that the loan for {$16000.00} is legit. XXXX allowed a person to take out a large loan without asking for anything but a name, birthdate, address, and ssn. They did not ask for identification. I asked them and they confirmed that they don't with online loan requests.
|
| 11/30/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
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In 2011 I opened an account with TD so I could use the coin machine to convert our spare change into savings for my son. I deposited around {$60.00} in this account. a period of months I did not add fund to the account and I did n't receive paper statements until I was finally sent a letter from TD saying the account was in overdraft {$30.00} plus some other fees. It turned out they had been taking a {$15.00} fee out of the account over a period of months and I had no idea this was happening. They continued to charge the fees even when the account went into overdraft and I only found out when they sent me a letter. I tired to close the account as soon as I was made aware of it but could n't until I paid what they said I owed them. I spent several days on the phone both with their collections department, customer service and with people in the branch, at least trying to negotiate a way for me to close the account that was fair - e.g I even said I would ask them to refund the money they had taken from me if they just did n't make me pay a fee on top of what they took. All representatives I spoke to refused repeated that it was in the fine print, though I was never actually told this when I opened the account. It seems to me that it is something that customers should be warned about - not something to be in the fine print. None of the reps I spoke to would budge on this, despite how unreasonable it was and all were rude to me about it, despite it being clearly suspect practice on the banks behalf. I did n't want this to damage my credit score so I paid it and closed the account. In the end it turned out they took all of the money I had deposited in the account and I was charged late fees on top of that.
|
| 06/26/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
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XX/XX/XXXX There is a long history of problems with TD Bank and it 's branch managers here on XXXX XXXX. XX/XX/XXXX do nothing to redress complaints and our experience with the executive branch is that they ignore written complaints, despite any evidence that they have done wrong. We 've had trouble with previous " Retail Managers '' ( TD considers their banks to be just stores, like XXXX. But our experience is that XXXX is more responsive to consumers and attempts to rectify problems, not inflame them. Unlike TD Bank. ) Most recently, XXXX XXXX, Retail Manager of TD Bank on XXXX XXXX, denied culpability for wrongful and excessive overdraft fees, stemming from events on or about XX/XX/XXXX, which of course then created a cascade of shortfalls which accrued to the wrongful benefit of TD in permitting them to collect more fees than they were entitled to. Despite conflicting information from the branch employees, and the back office " in New Jersey '' about why the fees were charged, then changed, apparently both in violation of bank practices and policies, TD also does not provide transparency about account charges regarding overdraft fees and there was no way anyone checking the online banking version of our account could see the same information that the TD back office and branch employees saw, thereby deliberately preventing account holders from seeing the service charges and activity that TD saw. Further, TD violated their agreement with account holders to provide fee free checking by imposing a {$2.00} paper statement fee, which XXXX denied was a service account fee in violation of the contract with account holders, but which is exactly that under the cheap masquerade of a different fee label.
|
| 10/01/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American, Servicemember |
|
RE : Target Corporation " Red Card '' In anticipation of a service/store charge, I have made extra payment of {$3000.00} on XX/XX/2019 on my credit card. XXXX XXXX paid Target and release those funds thru ACH on XX/XX/2019. On XX/XX/2019, I received a notice ( text and email, as my alert is on for these situations on my card ) that I have exceeded my credit limit. I checked my balances both previous statements and current balances to understand what happened. I called Target customer service to check why my {$3000.00} was not being applied when my bank already paid them. They said they are putting a hold on that payment for 14 days to make sure that there's no issue with the payment with my bank. My option to get it released right away is to do a 3-way conference call with XXXX XXXX. This was a shock to me as I have to login to my account on the phone and then have Target listen in all of the verification to get to a XXXX banker. I had to do this twice as I was not comfortable the 1st time as I felt this was highly unusual. Anyway, after my 2nd call with XXXX, with all security verifications and with Target agent on the line, XXXX confirmed the ACH payment. Target then released the hold on the {$3000.00} payment. I do not agree with this practice of Target putting a 14 day hold on a payment that's been received already. It also puts me in bad credit situation because it shows I went over my credit limit as well and continue to be charged interest on the amount already paid. I think this is a very bad practice by Target and exposes me, the customer, to more fraud because of this unusual 3way conference call. I now have to figure out how to pay down this credit card without my funds being put on hold.
|
| 04/13/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
Yesterday, I went to a local TD Bank to make a {$400.00} deposit before XXXX so I could bring my checking account current and not have to deal with receiving any overdraft fees but when I got to the local TD Bank, after banking hours, my TD Bank debit card would n't open the door. No matter how many times I tried swiping my TD Bank debit card, the door would n't open. Si I never got to make my deposit before XXXX. When I called TD Banks ' customer service department, the young lady who answered my call quickly told me that this was starting to happen a lot with their customers and as I started telling her about other after banking hours situations I had in the past with other TD Bank ATMs ( not returning my debit card, not accepting cash deposits, etc ), our call get disconnected. So when I called back the new TD Bank XXXX number customer service representative I was speaking with, placed me on hold and when she returned to rhe line, the first thing she told me was that her supervisor her told her to tell me that I was going to be receiving several overdraft fees and that I was n't going to be given any courtesy refunds/waviers of the overdraft fees I was going to be receiving. I got so upset that I lost my cool and started cursing up a storm. What was I suppose to do, kick open or break the glass doors to enter TD the ATM area and make my deposit on time???? Clearly this was a situation caused by the doors at that TD Bank location and not me. This was totally out of my control and that why all of the overdraft fees I received such be refunded/waived. Plus these ATM doors at TD Bank, seem to be causing this situation all over the place, something that TD Bank needs to and should address and resolve.
|
| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I previously made the mistake of filing my complaint over the phone with a CFPB rep and apparently that was more than he could handle as the complaint he filed was completely unrelated to the actual issue at hand and now my credit report actually looks worse than it did prior to my previous complaint. The issue as reported by the CFPB agent was not accurate. My issue was never that my credit reports were not updated since 2018 regarding this account.
My issue is that the account is not being correctly reported by the creditor. This account was not included in or XXXX in my bankruptcy. This account was paid in full, in good standing 2 months prior to my bankruptcy discharge, which they were not listed as a creditor in. They chose to close the account on their own authority due to the fact they were made aware of my bankruptcy and not because they were included in it. No debt was owed to this company at the time of my bankruptcy, nor was any debt discharged in my bankruptcy.
Now my credit report is worse off than it was previously was, as it previously reported " Discharged through Bankruptcy XXXX XXXX/Never Late '' to now just reporting " Discharged through Bankruptcy XXXX XXXX '' so my credit looks worse than it did previously.
Reporting debt as being XXXX in bankruptcy when it was not discharged in bankruptcy has to be violating some type of Fair Credit Reporting law and I will file a complaint with every legal entity I can until I get this resolved.
I have attached a full list of creditors included in my XXXX XXXX XXXX bankruptcy filing as well as the list of added creditors when my bankruptcy was moved to XXXX XXXX to show that TD Bank USA/Target was not included in the list of creditors.
|
| 08/29/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/2019, I opened up a checking account with TD Bank. If I met certain requirements, I would receive a {$300.00} bonus. This was an offer where you needed to open the account online. When I tried, I couldnt so I called. The representative on the phone implied that I may have had an account with TD in the past ( which I didn't ), and transferred me to someone else who confirmed that Ive never had an account with TD. He then transferred me back to the department that could open the account, but also gave me the option of going in a branch and opening the account. I asked would I still be eligible for the bonus and he said yes. So I went into a branch and opened the account. I confirmed with the banker that I would be eligible for the bonus even though I was opening the account in the branch. To my understanding, the bonus was to be deposited into the account no later than 95 days after the account being opened. When I hadnt received the bonus, I called customer service and a lady said that she would email another department and to call back in a few days. She also suggested going into the branch. So I went into the branch and the banker said a manager would give me a call. I never received a call. I called customer service 1 or 2 more times and the customer service never received an email back from the lady that sent it. The last time, a representative said that the requirements were that it would be deposited to my account within 120 days of opening the account. I didn't believe it was 120 days, but I said I would wait to see what happens. Today is the 121st day and I haven't received the bonus so Im filing this complaint because I don't think I will get anywhere trying to speak with TD again.
|
| 11/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I am a single mom and experienced a major loss of income due to covid. I struggled to make payments and eventually fell past due. In XXXX, I recovered income that was previously lost. I called TD on XX/XX/XXXX and spoke with an agent named XXXX. I explained my situation and asked what payments arrangements could be made to bring the account current. I told her that I could make 2 payments per month until the account was brought current ( 2 full payments around {$600.00} ). She told me that she could only schedule 2 payments at a time, so the XXXX payments were scheduled. She told me that I would need to call back in XXXX to schedule two more payments. I told her I planned on making the payments on XX/XX/XXXX and XX/XX/XXXX which are my pay dates. She assured me that was fine, and she was notating this on my account even though she could not set up the payments during that call. However, on XXXX, my vehicle was repossessed despite being told my payment plan was acceptable. I called TD again and spoke with XXXX ( ID XXXX ) who informed me that this was a valid repossession because payments were not scheduled. She confirmed that XXXX stating I could only schedule 2 payments at a time was accurate, but also stated they can repossess if additional payments are not scheduled. This is conflicting information. The intent was to call on XX/XX/XXXX to schedule two payments for {$600.00} for the month of XXXX. Again, I was ASSURED that was ok. I was told a manager would contact me within 24 hours but I have not heard back. I am without a vehicle and no way to get to work or take my child to school. It is absolutely appalling that a company treats it's customers this way when they have been affected by covid.
|
| 03/10/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
I am a victim of fraud. On XX/XX/XXXX I made a deposit on my checking account with a Cashier 's Check provided me by a supposed employer, to perform an assignment, in the amount of {$2800.00}. I withdrew {$2400.00} from the account on XXXX when the funds became available.
On the XXXX when I checked my account on-line to see if I had received my unemployment deposit, I discovered my account was overdrawn a little over {$1800.00}. I ran to the branch to find out why. I was informed the check deposited was fraudulent.
The bank should not have made the funds available knowing I never had funds in my account since XX/XX/2017 to cover those funds. The cashier was not savvy to realize when cashier check was given was fraudulent.
I spoke to a customer service rep in the bank and said they could not help me. They did not report my complaint to the fraud department. I proceeded to call the police and make a report.
On a later date I went to another TD bank branch and the customer service rep was very helpful. He reported the incident to the fraud department and sent them documentation showing clearly I was a victim of fraud.
The customer service rep. proceeded in assisting me with closing a savings account I had and open a new account so I can do my bank transactions since the other checking account was under investigation.
I am claiming the previous balance estimated around {$200.00} and my unemployment check which were taken from me and overdraft fees due to this incident.
Please see documentation attached.\ I re-deposited the sum of {$1700.00} cash into another checking account as per the instructions given me by the employer to the same branch on the XXXX. The account was then restricted.
|
| 11/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My wife and I originally did a home mortgage with TD Bank , N.A . on XX/XX/XXXX for a refinance and cash out in the total amount of {$900000.00} with a interest rate of 3.5 % for 30 years. On XX/XX/XXXX we did a home mortgage modification in the amount of {$880000.00} with a interest rate of 3.125 % for 30 years. I have maintained my on payment status with TD Bank throughout the history with them and never had any late payment problem or skipped payments. However, on XX/XX/XXXX, I received a formal notice in the mail from TD Bank , N.A . that they are closing all my accounts with TD Bank ( e.g. personal checking, XXXX checking, saving, etc. ) including this mortgage loan that I have with them.
I have emailed the executive teams at TD Bank, left messages with them, however, they are not return my calls or respond to me. I believe TD Bank is engaging in predatory lending practices ; they are trying to seize the collateral, or my primary domicile, even though I have excellent payment history with them. This is a classic example of lender liability in which they are trying to own my property for no fault of my own.
In fact, according to the original Note I have executed on XX/XX/XXXX, Section 6 ( b ) Default, Default only occurs " If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. '' I have an excellent payment history, and was never late on payments. I have not served with the Notice of Default as per Section 6 ( c ) of such Note. I do not understand why they are now claiming they will close all my accounts including the mortgage account I have with them. I am not sure why the bank is doing something like this to prey on consumers during COVID-19.
|
| 01/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX reviewed my credit report and noticed a TD Bank credit card account that was not mine. I saw a New York apartment address associated with it. I have never had a New York address. Credit limit is {$2200.00}. Date open was XXXX. Status is current. Same day, I filed disputes with experian, XXXX XXXX XXXX.
XXXX I read reports from all 3 credit companies and all three still had this TD account on my report.
XXXX I called transunion and they said that they were convinced that the coping was mine because TD bank told them that when the person applied for the credit card that they supplied my name, social security # & address. Isnt that textbook identity theft? To me, thats not compelling evidence.
I called TD bank and after 30 seconds of speaking with them they determined that this account was fraudulent after giving them my name, social security # & address. I was amazed that I could make this discovery in 30 seconds yet all three credit monitoring companies took two weeks to come to a different conclusion. The first person that unspoken to got me in touch with someone from their fraud department who said he needed to bring it to their credit card security team who would investigate and send me a letter in the mail.
I then called XXXX and they told me the same common sense lacking information as transunion. XXXX told me to file a police report and a report here so that I could Provide them with proof that this account is fraudulent and then they would re-open their free investigation. Apparently they want you to pay for a real investigation. Im not a lawyer, but a report to the police or FTC is not proof- so I dont see how this changes anything.
Thanks you any help that you can provide.
|
| 04/22/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I viewed my XXXX credit report during the week of XX/XX/XXXX, and found negative derogatory marks that had I had late on payment since XXXX of XXXX. On XX/XX/XXXX, I called TD Bank to inquire about the late payments because I was not informed of the payment. XXXX XXXX XXXX, my ex-partner, communicated to me that he was informed by more than one representative on multiple instances that an account did not exist under his social security number or name nor my social security number or name ( XXXX XXXX ). I found this to be true when I called the same number ( XXXX ) XXXX ) that was given to me and the same instance happened. I gave my social security number several times to 2 representatives before the account could be located. It took over 1 hour to locate the account. When I explained stating, I MUST have an account there because there are several negative remarks on my credit report from TD Bank. After stating my concerns one of the representatives found the account. After going into detailed what happened, the last representative informed me that TD Bank will never remove any negative remarks from any account regardless of the reasoning.
I have an issue with this, due to the fact, I was not informed by the financial that a payment had not been received for several months and was easily found after the storyline. I gave my social security number to the representative several times and both representatives stated that could not retrieve my account. When I informed the representative of the what happened, she stated that TD Bank will never remove any negative remarks from someone's account I am in the process of attempting to buy a home and now I have negative remarks reflecting on my account.
|
| 05/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
TD Auto Finance is reporting inaccurate information on my consumer report. they are in violation of these laws.
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Furthermore, pursuant to 15 USC 1681 S-2 - Responsibilities of furnishes of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.
PROHIBITION : a law or regulation forbidding something How can a payment made on XX/XX/2022 causing an inaccurate mark for the month of XX/XX/2022? This is from your letter.
You talk about the Fair Credit Reporting Act, and how TD Auto Finance is required to report all accounts fairly and accurately, but in the letter, you send me it shows that you are inaccurate you state in your letter that my XX/XX/2022 Payment effect XX/XX/2022 Payment.
|
| 02/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On Friday, XX/XX/2022, I was in the XXXX of XXXX, XXXX doing some shopping. I withdrew XXXX Euros from an ATM machine. Realizing I needed more money to leave tips for the housekeeper, etc. at the villa we rented ( we were departing the morning of XX/XX/XXXX ), I attempted to withdraw more funds from the same machine. I performed the action and attempted to withdraw another XXXX Euros, but the machine wouldnt expel the cash and the alert on the screen of the machine stated that I had reached my limit of withdrawing funds. Later that evening while my family and I were at dinner, I attempted to withdraw funds ( XXXX Euros ) from another machine in XXXX. That machine also would not disperse the cash and another message was on the display screen stating that I had reached my maximum daily withdrawal. I was under the impression that the reason I couldnt withdraw the funds at the machine earlier in the day was because that particular ATM had a limit and I passed it. I didnt realize that my bank account was limited to a daily maximum for withdraw.
When I returned to the US, I checked my account balance and noticed that my account had been debited for the two attempts I made in XXXX. I called Customer Service and made my complaint. The complaint was denied. I called again to dispute the decision, and my account showed a provisional credit. I assumed the matter had been settled. Upon checking my balance again, I saw that one of the provisional credits had been reversed.
I would like to reiterate that I did in fact ATTEMPT to withdraw those funds while I was in XXXX. However, the machines DID NOT DISPERSE THE CASH. I am not and never was in possession of the {$790.00} that was debited from my account.
|
| 11/17/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
In XX/XX/2022, I reached out about a payment. I erroneously put funds in the wrong account and the payment resulted in insufficient funds. As soon as I realized the problem, I contacted TD Bank. I was told the payment was processed and there were no issues. To prevent further issues, I paid off the accounts. I then began to receive letters stating the insufficient funds issue which I was told was not an issue. I called back and was told the letter are delayed so the were sent after the insufficient funds issue, but before I paid off the balance. I did not receive anything indicating there was an adjustment to my credit limit. Fast forward to this week, I get an email indicating a {$310.00} credit limit when my limit was between {$8000.00} & {$12000.00}. How is it that one discrepancy in my 11 year payment history warrants such a dramatic decrease in my credit limit? I have NEVER missed a payment in the time that Ive had and used this card. I reached out prior to their system even knowing there was an issue and offered to make the payment over the phone. I was told I it was processed. Now Im being told that I had to call in XXXX about the credit limit issue but I wouldve only known about it if I logged on to the online portal which I did not have a need to do because the balance was paid off. No written notification yet this reduction because I made one mistake and was proactive in rectifying it and the customer service is no help. What are people who care about their credit scores and debt to credit ratio when they are operating in such a negative fashion. Ive never had a credit card in my 20 years of having credit that engaged in such harsh retribution for an error that was easily rectifiable.
|
| 01/17/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
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XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX TD/XXXX XXXX To Whom It May Concern : Please be advised that I have received your correspondence dated XX/XX/XXXX This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity.
I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you.
Awaiting your reply in a timely manner.
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
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| 01/15/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Received Notification from TD Bank of New Monthly Payment Effective Date = XXXX/XXXX/XXXX and new Monthly Payment Amount = XXXX ( instead of XXXX ) along with notification of SURPLUS in Escrow acct of {$920.00}. I changed my auto payment to XXXX in XXXX, one month BEFORE the add'l {$10.00} was due, but the auto payment reverted back to the prior amt without my realizing it. I have now corrected the auto payments, I have paid {$280.00} in Late Fees, I have overpaid Principal due, but still have had a late payment reported to the Credit Agency for my {$10.00} (!!! ) mistake. Moreover, multiple calls for a current balance or assistance were unheeded because their automated system does not recognize my acct number.
I would like for TD Bank to remove the Late Payment from my Credit Report as I have paid 20 times the amount in late fees AFTER being sent a check for {$920.00} for their OVER-WITHHOLDING on my escrow in XXXX. To have the escrow amt increase by {$10.00} & then have the bank use that as a means to not apply the otherwise complete Principal and Interest payment & thereby charge late fees and make a late payment report to the credit bureaus in unconscionable.
I will pay the late fees etc, but am asking the late payment report to the credit bureaus, which will cost me thousands in increased finance, insurance rates, etc, to pls be redacted. This was a {$10.00} clear & obvious mistake, which could have been quickly rectified if the bank had just called me or had human beings that one could speak to rather then a broken automated " customer service '' system that hangs up and does n't recognize its own account numbers, with no option press 0 or any other means to actually speak to a human.
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| 10/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/2023, I applied for a business auto loan to purchase a brand-new XXXX XXXXXXXX XXXX XXXX via the XXXX mobile XXXX. My understanding is that XXXX XXXX sends the loan application to a pool where you have multiple financial institutions which includes but is not limited to TD Auto Finance ( " the bank '' ) bidding for the application.
Note, this is our second business auto loan application through the XXXX mobile app within a space of about one month.
The amount to be financed by the bank was about {$45000.00} and like the previous application, I provided my personal information for the purpose of personal guarantee ONLY.
On XX/XX/2023, I got a notification from one of the credit bureaus that I have a personal auto loan. I contacted the bank to reallocate the loan to the business and they informed me that they don't offer business loans and that my best bet was to refinance the loan.
Currently, I have a hard inquiry and an auto loan on my credit report. These if left, will negatively impact my ability to access credit that was originally accessible to me. I've attempted to dispute those with the three credit bureaus but today ( XX/XX/2023 ), I got an update from one of the bureaus that nothing has changed on my report based on my dispute and it's been finalized.
I thought to escalate to your office for further review and assistance to have both the hard inquiry removed from my personal credit report as well as the loan. All those belong to the business and all I did was provide a personal guarantee like we did in the previous business auto loan with XXXX.
I'm counting on your assistance and will be willing to provide any document regarding this issue upon request.
Sincerely, XXXX
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| 04/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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So I first opened my account with TD bank I believe it was back in XXXX of 2020 now I was new to this account and im used to banks like XXXX where you cant over draft well around this time I was making small purchases to avoid overdrafting also didnt know that purchases dont get posted on sunday. I also had an issure paying my car payment at the time so I used my account and routing number to pay it because my debit has never worked from some reason. well XXXX I was paying it agian techanlly the account and routing number way went through take XXXX dollars out of my account and I made small purchases not know it was already paid. they overdrafted me XXXX dollars back in XXXX and at the time I learned from one of there associates that the an option in the app where you can turn offsome thing meaning when you at XXXX ull have no money so I didnt know about this unjtill later being a new customer with TD So I proceeded to so so I wouldnt have any more issues. now for ssome reason that option is enable again and Im over drafting like crazy again and TD just doesnt want to work with me on giving it back. Understand I havent receive one payment from unemployment since XXXX wich has cause me to live out of my car for four month with my dog and I also have crdit cards to pay that I cant and I might lose. just the other day they finlly towed my car reposessed because I was behind on my payment three months. now I dont have a home and my dog and I are now living in the streets so I need whatever I can get when it comes to money. Td has helped me on ike one or two in XXXX but the ones in XXXX are more rediculous then any of then and I dont understand why they wont help me with the impotant ones plz help
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| 09/28/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Using a debit or ATM card
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Web |
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A customer of TD Bank, XXXX XXXX, XXXX, CT, loaned me {$3500.00} in XXXX 2016 for my daughter 's college tuition, She used her debit card to make the payments.to the University my daughter attends. The first payment was {$2500.00} which was made online from her home. The second XXXX, she accompanied my daughter on campus and made the payment.Service fees were also paid by her. Initially, arrangements were made between both of us for full repayment by XXXX XXXX, 2016. No Promissory Note was done as she said it was okay without one. I repaid her {$2000.00} of the {$3500.00}. I was having difficulty with my source of funds, so she told me to repay her in small amounts. She then decided shortly after telling me to pay her back in small amounts that she needed the balance by the end of XXXX 2016. I informed her that it was not possible and I would pay her on XXXX XXXX, 2016. Sometime in XXXX 2016, she contacted her bank and reported the first payment as a fraudulent transaction. The bank ruled in her favour and returned the money to her.I spoke with the bank and was informed that I was not a customer of the Bank and they have to protect the interest of their clients. I attempted to get back my money from this woman, she told me that she is waiting for me to take her to Small Claims Court. She is also denying that she loaned me the {$2500.00}. I physically visited the bank and showed the representative the text messages. She discussed this with her manager who instructed her to inform me that there is nothing they can do as they have to protect their client and I would have to go through the courts. I can not afford a lawyer and being repaid in small amounts will not assist me to pay the University.
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| 11/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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Web |
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To Whom it may concern : In XX/XX/2019 I moved to XXXX, the XXXX for a new job. In XX/XX/2019, I lost my wallet. I called all of my credit card companies and reported that I had lost my wallet. With some of the companies, I had no issue getting a new credit card sent to my new address in XXXX and others I had a little more trouble with. Since my TD Bank credit card was one that I had trouble receiving at my new address, I figured that I'd wait until I returned back to the US to pick the credit card up then.
On XX/XX/2019, I called into TD bank to have my card mailed to my US address so that I would be able to pick it up from my house while home for XXXX.
Upon speaking with an agent they informed me that TD bank had closed my card and would not be reissuing me a new one. I then spoke to the " supervisor on duty '' who informed me that TD had chosen to not reissue my card due to the card not being used enough. When I explained that I had lost the card when I first moved overseas he simply stated he was sorry and that if I want the card back that I would need to reapply.
I'm writing this complaint because I believe my card was unjustly shut down. I'm still making payments on the card, I like the credit card and the fact that I haven't " used it in a long time '' seems like a very soft reason to shut it down. Furthermore, how do you expect someone to use their credit card if you don't ship it to their address outside of the country?
I have the police report from the city of XXXX and will be submitting a copy in order to corroborate this information. Again, I feel as though my credit card account was unjustly shut down and would like to have it reopened.
Thank you for your time, XXXX XXXX
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| 11/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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Dear Consumer Financial Protection Bureau, Both XXXX XXXX XXXX and Nordstrom XXXX keeps reporting incorrect information to appear as new. First, there's been no new account charges on the Nordstrom account in more than 3 years. For the last few years, I've only made monthly payments on Nordstrom account ( and no new charges ). Nordstrom reported account delinquent to XXXX XX/XX/XXXX. In addition to that, Nordstrom keeps reportng account closed by grantor multiple times XX/XX/XXXX. However the account was first closed XX/XX/XXXX. Nordstrom keeps reporting 2 - 3 times per month account closed in fraudulent manner. This is not a new account closure. I reported this information to XXXX. XXXX keeps allowing Nordstrom to make repetitive account closed postings to my credit report. XXXX refused to remove inaccurate data.
Furthermore, I provided to XXXX proof of bank transactions showing account payments to Nordstrom. In addition to bank account payments, I provided Nordstrom 's account statement showing the same payment history. I've only made payments and no account charges. How can this account be delinquent when monthly payments made consistently?
Next, Nordstrom posted account as delinquent XX/XX/XXXX with a past due balance. How can there be a past due balance on an already closed account with no account activity in years? There was no PRIOR past due balance. How can Nordstrom be allowed to make up a past due balance that's never existed? Again, I've only made consistent monthly payments on this closed account. Nordstrom is not applying payments to the account balance.
Finally, I provided payment documentation to XXXX and XXXX keeps reporting inaccurate information provided by Nordstrom.
|
| 05/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
Servicemember |
|
On XX/XX/XXXX, I opened a bank account with XXXX. The following day I go to a different branch, and the manager kept looking at us. We told her we wanted to open a business account and to add my boyfriend with my personnel account. When I gave her the fax number she said I couldn't open the business account because my business was in XXXX and I lived in XXXX. The manager told me there was another account under my name. I was a victim of identity theft. The manager said she added my boyfriend to the account. We went to the teller to deposit the machine, when we get to the front of the line, they really looked at the money as if something was wrong. My card was declined. I told her I was a victim of XXXX XXXX and they wanted to know if I had any reports. I sent all the information that they needed. She said they opened the accounts and added my boyfriend. I tried to use the card and it was restricted. The next time I went to the back to deposit the money and when I walked out of the bank the card was restricted again. The called me and told me they were sorry and lifted the restriction. I received a check from a bill of sell and went to the bank to deposit the money. They said they would call and let me know when it is deposited. Two hours later, a call said the check was going to be returned. Today, I tried to use my card and they restricted my card again because they think I am doing check fraud. I have never over drafted my account. They have closed my account and I don't understand why they are holding my money. I have done nothing wrong.I been trying to get my funds and they keep saying no and when I ask for a reason they cant give me one I been discriminated by this bank over and over.
|
| 07/23/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2019, someone walked into the TD bank on XXXX XXXX in XXXX, NJ, and withdrew a total of {$2500.00} from the TD bank checking account I share with my wife. I live in Connecticut and have never banked in NJ. Two withdrawal slips were submitted for {$240.00} and {$2300.00}, and my last name was wrong on both slips ( it was my wife 's last name ). My first name was also spelled differently ( and incorrectly ) on one withdrawal. My signature was forged badly, and inconsistently on each withdrawal slip ( one included my middle initial, and the other did not ). No amount was written out on the first withdrawal, and on the second withdrawal the amount written out was XXXX XXXX XXXX but the numerical amount was XXXX. The date on that withdrawal was also wrong ( " XXXX ) It appears the bank teller wrote out my account number, and also my drivers license number. It is not clear whether the teller had this information already, or was given it. After the transaction was approved, and someone walked off with {$2500.00} in cash from my account, TD bank froze the account -- apparently discovering the fraud too late -- but never informed me of the fraud or the fact that the account was frozen! As a result, several auto-pays I had set up from that account failed, and I was charged by the intended recipients for those failures.
I reported the crime to my local precinct, and to the XXXX NJ police, but despite contacting the bank numerous times, I have yet to hear from anyone from TD bank 's fraud department, and yet to receive credit for the money stolen.
It seems clear to me that the bank was grossly negligent, at best, and someone at the bank may have been involved in the crime. Can you help me?
|
| 07/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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Web |
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I'm filing a complaint with TD Bank because my claim for unauthorized transactions made between XX/XX/XXXX and XX/XX/XXXX using my TD Bank debit card was denied. I noticed the debit card was missing when I logged into my online checking account on XX/XX/XXXX, and discovered the unauthorized transactions. I immediately called customer service to have the account closed, and to file a claim for the fraudulent transactions. I told the customer service representative that the card must have been lost around XX/XX/XXXX because that is when the unauthorized transactions began. The last time I remember seeing the debit card is when I made an ATM cash deposit on XX/XX/XXXX for {$1800.00}. I hadn't made any transactions before the debit card was lost. Nevertheless, the next day, XX/XX/XXXX, I received a provisional credit for {$2000.00} pending completion of the claim review. I then received a final resolution letter dated XX/XX/XXXX informing me that the review had been completed, and a determination was made that an error hadn't occurred. The reasons for the denial were that the transactions were authorized by me, and the spending pattern is consistent with previous account history ( see attached letter ). The only previous account history is when I lost a previous TD Bank debit card in XXXX, and there were unauthorized transactions on the account made mostly in XXXX, FL. The transactions that were made with this debit card were made in XXXX FL, and none of the transactions were identical to the transactions made with the first lost debit card. It's an error in review to clam the latest fraud transactions are similar to transactions authorized by me when I don't have prior authorized transactions.
|
| 02/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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This letter is a formal complaint that they are reporting inaccurate and incomplete credit information.
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
I have contacted Target personally and they have a address on file that I have never lived nor used. This false information and address is currently on my credit report and I also am a victim of fraud. My wallet was stolen which had my social security card and Drivers License. I filed a police report and a identity theft report with the Federal Trade Commission on this matter.
|
| 11/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
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On XX/XX/2023 I called TD Bank Credit Card number XXXX to dispute payments done by scammers.
The TD credit card representative laugh at my request for help over the phone, canceled my TD credit card and I had no access to my online account.
TD Bank continue approving fraudulent charges on my account after I reported the fraud by the scammers.
For the past XXXX months I am disputing scammers charges on my TD credit card account without any resolution.
I file a police complaint on XX/XX/2023 that more than XXXX credit card was involved and charged by scammers. The other banks helped me right the way and stopped all the fraudulent payments and money transfer on my credit cards : XXXX, Bank XXXX XXXX, XXXX XXXX XXXX XXXX. Only TD bank continue approving fraudulent charges and transactions. TD Bank XXXX Department closed my case numerous times, reopened it to close it after few days, when the police called TD Bank with my information on XXXX, TD bank refused to discuss my case.
Many TD customer service representative shared information with me over the phone that TD bank do not trust their customers when they dispute fraudulent charges. Every next representative was more difficult to deal with and unable to help me out transferring my calls to another TD Bank customer service representative.
TD bank credit card company placed all five charges back on my account plus interest for the past two months.
Total amount {$5400.00} plus interest of over {$230.00}.
XX/XX/2023 XXXX XXXX {$100.00} XX/XX/2023 XXXX XXXX {$250.00} XX/XX/2023 XXXX* XXXX {$1000.00} XX/XX/2023 XXXX XXXX XXXX {$2000.00} XX/XX/2023 XXXX XXXX {$2000.00} All transactions were approved by TD bank after my call on XX/XX/2023.
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| 03/02/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
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|
On XXXX XXXX, my debit card and pin was compromised and I had {$300.00} withdrawn from my account without my knowledge and I was also charged {$170.00} in overdraft fees ( {$35.00} x 5 over the course of 24 hours ). I have reason to believe that it was compromised at a TD Bank ATM. On XXXX XXXX, money was taken out from a TD Bank location in XXXX less than an hour after I made a withdraw in XXXX. TD had flagged the account for fraud activity but never contacted me in any way. The card used also did not have a security chip while the XXXX issues to me did. After a 2 week investigation, TD Bank refunded the {$300.00} that was withdrawn and {$70.00} in overdraft fees. But because they had posted the overdraft fees before the fraud transactions, they are giving me a hard time returning the other {$100.00} that they charged me for this fraud transaction. They have promised me to return the money the following day twice but I have yet to receive any kind of credit for it. They are holding my money hostage, but still charging me monthly fees all because of their practice of placing some transactions before others rather than in the order in which they occurred in order to charge overdraft fees and collect money. This has been a nightmare and I am forced to be on hold for XXXX60 min anytime I call customer service. I even went to the branch manager and he brushed me off and told me I would have it tomorrow but nothing ever came. TD Bank should be barred from pursuing this practice against consumers! Transactions should be placed in the correct order that they were made, not how TD feels whats best for them. As of now, I was charged {$100.00} in overdraft fees on an account that had over {$100.00}.
|
| 02/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am writing in reference to the 30 day late payment marks of XX/XX/XXXX - that TD Auto Finance supplied to the 3 national credit bureaus XXXX, XXXX and XXXX ( I have circled the items in dispute, on the attached copy of my credit reports. ) On XX/XX/XXXX - I mailed a payment check to TD Auto Finance dated : XX/XX/XXXX for the amount of {$660.00} which was to cover the XXXX payment in question. - I explicitly requested the post office to post-mark the envelope which they did was clearly marked as XXXX XX/XX/XXXX ( See copy of Check and Postal Receipt attached. ) On XX/XX/XXXX I noticed the late payment marks on my credit bureau reports, - I immediately contacted TD Auto Finance via phone but to no avail.
Finally on XX/XX/XXXX TD Auto Finance acknowledged receipt of payment but they only posted it as a payment received on that date.
On XX/XX/XXXX I sent a letter with certified mail to TD Auto Finance requesting them to correct the erroneous reporting. ( See attached my letter to TD Auto Finance ) On XX/XX/XXXX TD Auto Finance sent me back a canned letter declining to make any changes. ( See attached the letter from TD Auto Finance ) On XX/XX/XXXX I disputed this late payment mark with XXXX but they seemingly only forwarded my dispute to TD Auto Finance.
On XX/XX/XXXX I got a response from XXXX that TD Auto Finance once again refused to update my report. ( See attached dispute response from XXXX ) Attachment Summary : 1 ) Copy of my 3 bureaus credit reports circled the erroneous reporting 2 ) Copy of dated check sent for payment 3 ) Copy of Postal Receipt 4 ) Copy of my letter to TD Auto Finance 5 ) Copy of the response letter from TD Auto Finance 6 ) Copy of response letter from XXXX
|
| 12/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My name is XXXX XXXX DOB XX/XX/86. I have been impacted with XXXX SINCE XXXX! I HAVE BEEN IN CONTAXT WITH TARGET WHEN NOT on XXXX as I could. I have been in most recent contact, XXXX, XXXX, XXXX and XXXX Each month aside from XXXX, I was told, my account was covered under the assistance program for XXXX AND NO PAYMENT WAS DUE. I THEN GET A COLLECTION CALL IN XXXX STATING I OWE {$190.00}!!! They told me all this missed COVID PAYMENTS WERE NOW ALL DUE AT ONCE!!! I HAD NO NOTICE THIS WOULD BE THE CASE, NO WRITTEN AGREEMENT NOTHING!!! THIS IS UDAAP!!! HOW CAN A PERSON IMPACTED BY COVID PAY ALL THESE PAYMENTS AT ONCE!! WELL DUE TO MY CONCERNS WITH MY CREDIT SINCE MY HUSBAND JUST DIED FROM XXXX AND SO DID MY DAUGHTER, I NEED MY CREDIT! SO I SOLD MY WEDDING BAND TO COVER BILLS! THIS BILL! I PAID {$200.00}!!! TWO DAYS LATER MY CREDIT SCORE DROPS XXXX POINTS! WHY?! BECAUSE TARGET REPORTED ME PAST DUE!! I CALLED IN AND THE THRIRD PARTY REP TOLD ME ITD BECAUSE I HAVE NOT MADE A PAYMENT SINCE XXXX. I TOLD HIM I WAS TOLD I DID NOT HAVE TO BECAUSE I WAS ON TEH COVID PLAN. HE SAID, WELL I SEE THEY WAIVED LATE FEES FOR THOSE MONTHS, BUT I STILL HAD TO MAKE PAYMENTS - XXXX XXXX!!! TOTAL XXXX!! I WAS TOLD I DID NOT HAVE TO!
THEY NEED TO BE INVESTIGATED FOR HOW THEIR TREATING XXXX IMPACTED CUSTOMERS!! THEY TOLD ME I QUALIFIED FOR XXXX ASSISTANCE, AND NO AYMENTS WERE DUE, THEN THEY DEMAND A {$190.00} PAYMENT WITH NO NOTICE AT ALL!!! THERE WAS NO AGREEMENT TO MAKE ME AWARE THAT COULD HAPPEN!
I NOW HAVE TO CREMATE MY DAUGHTER WHO DIED FROM XXXX BECAUSE THESE CARELESS XXXX RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!!
|
| 12/17/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
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|
I went into TD bank to close an account on XXXX. They took my bank card and confirmed that the account was closed. Over the course of the month of XXXX, they proceeded to keep the account open, and allowed multiple charges to go against it. When I came in to see why charges were being allowed against a XXXX balance closed account, they told me that they had closed the account incorrectly. The manager was not in, so the amount that I was refunded out of the over {$400.00} in overdraft fees was {$100.00}. I was told a manager would call me about the issue and help me get fully refunded. It is now XXXX and they have been allowing charges to continue to go through and are still charging me overdraft fees for an account that should n't exist anymore. I 've tried multiple times to get in touch with a manager and I 've been told they are not there or are busy and will call me back. I 've been attempting to get resolution on this for weeks now, and still do n't have closure on the issue. This bank is irresponsible and they are thieves. When the manager finally did call me back, he became very accusatory and nearly insinuated that I was trying to use the bank account even though I had asked that it be closed. The representative that helped me close the account lied and told his manager that I was solely asking him to close the debit card - which makes no sense whatsoever. They are trying to now charge me money on an account that should not exist. I 'm not getting any help with resolution, and the bank, which I 've had money in since I was a teenager, is now calling me a thief. I am still waiting for resolution on this after spending countless time and effort trying to get everything taken care of.
|
| 01/30/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Good Evening ; I was going through my credit report after receiving several aggressive calls from a debt collector company about an alleged debt. I went ahead and paid, but I keep reviewing my credit report it shows on my credit with a balance of over {$200.00} ... .I 've asked them and the credit bureaus to please clarify the payment status, comments, balance and account number as they might be erroneous.
Also I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor.
Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity
|
| 09/26/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Web |
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I purchased an engagement and wedding rings from XXXX XXXX and financed through XXXX XXXXXXXX XXXX. It was not made clear how much the interest would be charged if not paid within the promotional time frame. I had not been receiving paper statements nor could I access the XXXX XXXX online account for months. I would always make the payments every month but then was alarmed that my balance went from slightly over {$3000.00} to almost 8,000. The original amount financed on this card was {$8000.00} and I had paid it down to {$3000.00}, but was recently charged over {$3600.00} in interest. I called as soon as I could and spoke to a manager, XXXX who mentioned that if I could pay off the {$3800.00} principal balance that they could possibly look at waiving the interest charged with a dispute letter. I paid the principal only to find out today that I will still have to pay the full amount of interests of {$3500.00} and will accrue interest every month upon interest charged despite me paying the principal balance. It took everything I had to pay the principal amount and after so much loss from Hurricane Harvey it's been tough to get on our feet again. The Over {$3000.00} in interest charges on an account that only had {$3000.00} remaining balance is exesive and a scam. Not to mention that I never received any communication or statements regarding where I stood with the account. I ask that XXXX XXXX XXXX refund at least the majority of the interest charges and also state they have no right to continue charging interest charged when the principal balance has already been paid off. The most recent manager I spoke to did not want to assist in any way and said there was nothing that could be done.
|
| 11/07/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
My husband signed for a car loan on XXXX/XXXX/15 first payment due XXXX/XXXX/15. He inquired by phone about a concern if the payment electronically went late. He was NEVER told he had a grace period of 10 days. His VA checks goes into his cu acct on the XXXX of every month and so the XXXX is fine without any change to the XXXX of the month for an electronic payment to occur.. The representative for the finance company by phone went and changed it to the XXXX of the month. We set an automatic payment on XXXX/XXXX/15 for payment the XXXX of the month and was reassured that it would be on the XXXX but it has changed to the XXXX plus additional XXXX added to the loan.We have tried to reverse charges of this and to restore to the original payment date and have called numerous times without any resolve. The representative encouraged a payment change date rather than explaining that if a payment did not reach them electronically as scheduled or payment received within the next 10 days he would not be facing a late charge, instead told him to pay XXXX along with his monthly payment and his due date would change to the XXXX or we could add it to his loan. He was discriminated by age and lack of financial knowledge. This representative took advantage of this and encouraged him to change the due date so that she could acquire this transaction. I called and was told a return call within 48 hrs from a supervisor and no call. I called again and was told 3-5 business days I would get a return call. Most financial companies are fair and usually give you all of the information as needed but this one was a mistake to borrow from with the intent to have scrupulous phone representatives that are conniving.
|
| 04/13/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Opened TARGET credit card XX/XX/XXXX - XX/XX/XXXX = made payments as agreed, no late fees XXXX XXXX payment due date was XX/XX/XXXX made payment of XXXX $ late fee access the same date for XXXX $ XX/XX/XXXX payment due date was XX/XX/XXXX made payment of XXXX $ late fee access the same date for XXXX $ XX/XX/XXXX payment due date was XX/XX/XXXX made payment of XXXX $ late fee access the same date for XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX payment XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX payment XXXX $ ENTERED PAYMENT PLAN XX/XX/XXXX payment XXXX $ XXXX late fee XXXX XX/XX/XXXX payment XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX payment XXXX $ XX/XX/XXXX late fee XXXX $ I realized that I was being charged a late fee even being on their payment plan, I called and they said that I still accrue late fee even on the payment plan even though paying XXXX $ Late fees have fluctuated since that dates as follows and I have not made a payment as I have been unemployed since XX/XX/XXXX XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ Balance claim is = {$780.00} my credit line was XXXX $ -- the total in late fees since XX/XX/XXXX is XXXX $ alone this does not include the interest that has accumulated I tried to contact them and I can not get through to a representative I made three XXXX $ payments that would of had the account nearly paid off, was never told that my account was considered late every month regardless if I was making attempt with the hardship payment plan
|
| 03/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
On XX/XX/2021, one of my creditors, TD Bank/Target, submitted an unauthorized payment in the amount of {$17.00} to my bank, XXXX XXXX XXXX XXXX XXXX ( XXXX ). That payment was created in Target 's online account portal on XX/XX/2021, but I did not perform that action. I did create a payment through their online portal on XX/XX/2021. The amount of that payment was {$17.00}. I did not authorize TD BankXXXXTarget to submit the second payment that was created on XX/XX/XXXX on my behalf. Since I did not have sufficient funds in my XXXX checking account when the second, unauthorized, payment was submitted, XXXX levied a {$30.00} Return Item Fee - ACH on my account, which rendered me with a negative checking account balance.
Currently, I am enrolled in a 12 months Hardship Program with TD Bank/Target, but their letter does not indicate any automatic payments requirement, nor does it state that they will withdraw payments on specific dates of each month. The letter simply states that I will be required ( implicitly implied ) to submit payments before my due date ( XXXX of each month ).
So, on the evening of XX/XX/2021, I called TD Bank/Target to inquire about the unauthorized XXXX XXXX XXXX payment. The TD Bank/Target agent who I spoke to suggested that I created the XX/XX/XXXX payment on XX/XX/XXXX. I can not recall if such information is correct, because I always pay my credit card bills manually and would not enroll in to a Hardship Program that forced me to elect automatic payments.
Ultimately, I want to recoup any all fees and/or fines that may be levied against TD Bank/Target and XXXX XXXX XXXX XXXX XXXX. I will be submitting a separate complaint against XXXX XXXX XXXX XXXX XXXX
|
| 03/06/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
I experience identity theft in XXXX, 2022 and was forced to close my current checking account and open a new one. On XX/XX/XXXX, I went into Targets Redcard website to update my checking account number auto-pay but their third-party vendor, XXXX, would not validate my new checking account. I called Targets customer service, which was answered by their offshore team, and they were not able to help. Over the next two weeks, I tried multiple times to update the Target credit card auto-pay website and it continued to get rejected. I finally received checks for my new account and paid the amount of my XXXX statement Target card in XXXX. When I asked Target to credit the late fees and interest ( on multiple occassions ), they would only offer to forgive some, not all, of the fees and interest. Based on principle, I dont think i should pay any late fee or interest because it was Targets third-party vendor ( and, identity theft ) that caused the delay in paying the XXXX statement. Ironically, they did accept my check that was written off of the new account. Target is unempathetic that my identity was stolen or that their third-party vendor caused the delay in payment. Out of principle, I just cant bring myself paying any of the late fees or interest that werent my doing. Meanwhile, Target is using its size and deep pockets to ruin my credit rating and extract fees and interest through a practice of denying consumers the use of their checking accounts to pay automatically through their website. One important note : Ive paid all of the charges that were associated with purchases and made them at the earliest time possible given the identity theft and establishment of the new checking account.
|
| 11/24/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have been paying XXXX XXXX, XXXX on a Home Equity Line of Credit ( HELOC ), loan # XXXX. TD Bank continues to incorrectly switch payments I designate as interest to principal and then show interest as unpaid. This has happened nearly every month for almost 6 months and I need to spend over a week every month going to a branch bank and requesting they correct the problem.
Most recently, I made an interest only payment of {$230.00} to TD Bank on XX/XX/XXXX. Then, on XX/XX/XXXX, I made a {$750.00} principal payment. When I saw the XX/XX/XXXX payment online that same afternoon, it was posted correctly. After overnight processing, when I viewed the account online on XX/XX/XXXX, the payment was flipped out of interest paid to principal paid. Unless I hound the bank to correct this problem, TD Bank can report the unpaid interest for the month to all credit reporting bureaus as negative credit information that hurts my credit rating, which is in the mid XXXX.
The XX/XX/XXXX principal payment first appeared as a split between interest and principal when viewed online the same afternoon as when the payment was made. Then overnight, the payment flips into all principal. About 6 months ago this problem started. It started around the same time as a former branch manager, XXXX XXXX, in the XXXX XXXX, FL XXXX XXXX office left the branch. She told me that she had spoken to the back office and told them to fix the problem. I think she may have told them to create the problem.
TD Bank 's XXXX Florida branches and their staff all seem to be wholly incompetent. I 've dealt with TD Bank branches in the states of NJ, VT, PA and FL at various times and only the FL branches have continued problems.
|
| 12/01/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
Older American |
|
On Saturday, XX/XX/2016, I deposited a cashier 's check issued by XXXX XXXX, in the amount of XXXX XXXX in my TD Bank branch in XXXX XXXX, NJ. Days later, XX/XX/2016, TD Bank sent me a FOREIGN COLLECTION ADVISE stating, among other things, that " your account will be credited the then current exchange rate less our fee of {$17.00} and any fees assessed by the Foreign Bank. '' The XXXX XXXX was finally credited on XX/XX/XXXX at an exchange rate of XXXX, for a total of {$39000.00}. This was even confirmed in writing in a CREDIT ADVICE dated XX/XX/2016.
Clearly, the rate of exchange applied by TD Bank was lower than what the XXXX-Dollar rate has been for the entire month of XXXX, ranging from a low of XXXX on XX/XX/2016, to XXXX on XX/XX/2016. On XX/XX/XXXX, the rate of exchange XXXX-Dollar was XXXX, as reported by financial websites.
As I see it, TD Bank willfully miscalculated its conversion in order to benefit from it. To hear its XXXX Branch Manager, XXXX XXXX, argue the case that TD buys " in bulk '' holds no water. It 's pure nonsense and TD must own up to this attempt at defrauding me.
At the XXXX XXXX-Dollar rate of exchange in effect on XX/XX/2016, the amount of XXXX XXXX should have been converted @ XXXX XXXX less {$17.00} TD fee and {$84.00} Foreign bank fee, as stated in the Credit Advice. After deducting those XXXX fees, {$17.00} and {$84.00}, the amount to my TD checking account should have been {$41000.00}, NOT the {$39000.00} credited.
TD Bank under credited my account by {$1600.00} I would appreciated your assistance in having the unpaid balance of {$1600.00} remitted to me.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXXXXXX TD Acct. # XXXX
|
| 11/05/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
TD Bank - I have checking, savings and Christmas Club with them. Christmas Club account was automatically closed out for XXXX on XXXX XXXX, XXXX. I have not received check of {$1100.00} as of XX/XX/XXXX. I first called on XX/XX/XXXX and asked about the check and was told to wait 10 days. I next called on XX/XX/XXXX. In the conversation I was informed that the check was sent to an old address that was not changed by the bank in the summer of XXXX with the other 2 accounts. The representative told me I needed to go to my branch about getting a new check if they knew me ( really? ). I explained my bank is in XX/XX/XXXX and I am currently teaching in XXXX, XX/XX/XXXX. I was informed that only a branch may reissue the check and I had to call them. My branch has closed ; nearest branch is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX. I called on XX/XX/XXXX and finally was able to talk to the Assistant Bank Manager, XXXX XXXX XXXX # XXXX. She informed me that I had to fill out paper work and have it notarized about the " lost '' check -- and that the Christmas Club check could not be replaced for 90 days or XX/XX/XXXX. I told her this was unacceptable, that THEY sent the check to the wrong address and I needed the money for Christmas. The money was automatically transferred from my checking to the Christmas Club each month - the check in question is for {$1100.00}. She told me policy was 90 days to replace. I asked for the money to be put in my checking account but to no avail. I have the necessary paperwork from TD Bank for a " stop '' on the missing check but with the virus we have to make an appointment with a notary and then fax the copy to the bank and mail the original.
|
| 04/26/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Multiple wrong # phone calls made with an auto dialer from TD Auto Finance, no tcpa consent given. Efforts made to answer calls with no one on the line, and contact made and advised that wrong # and do not contact request given, continued calls the same day and the following day.
Date Time Note XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Answered to advise Do Not Contact, no one on the line for several seconds then they disconnected the call.
XX/XX/XXXX XXXX XXXX Answered spoke with a female who asked for XXXX XXXX or XXXX?, advised that they have the wrong #, not to contact this phone # again that this is a place of employment, agent said have a great day and disconnected the call.
XX/XX/XXXX XXXX XXXX Called again the same day despite previous Do Not Contact request, answered to advise of this, but no one on the phone for several seconds and then they disconnected the call again.
XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail
|
| 08/16/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
This is in response to CFPB Compaint # XXXX I received notification that this complaint was closed based on TD Bank 's response. Why was it closed before I was contacted about their response?! TD did n't address the reason for the complaint. The point of contention I have is with the initial conversation I had with XXXX XXXX ( NMLS : XXXX ), a 'mortgage specialist ' with TD Bank . I knew I did n't qualify for a mortgage on my own as I had been a XXXX XXXX XXXX and was n't working full time in the most recent tax years so I my father-in-law was going to be my co-guarantor on the loan. XXXX steered me away from that and pre-qualified me for the mortgage after she got my current ( 2016 ) estimated income. As a result, my mortgage got declined after I had already spent nearly {$1000.00} on home appraisal fees, credit reports, and other fees and was left to deal with the financial mess while my wife and I were on our honeymoon. I 've contacted TD Bank numerous times and they have said they have reviewed the tape of the initial conversation I had with XXXX in XXXX of 2016. The person I spoke with said there was nothing on the tape that backed up what I said but when I pressed them about specifics they admitted they had n't listened to the tape. I want a copy of that tape. Since I contacted them in XXXX, I 've spent way too much time listening to them ramble on about how I was n't eligible for a mortgage based on my income but I knew that before I even applied and that was never the issue. Back in XXXX TD Bank also promised to send me a check for the nearly {$250.00} I spent on International calls trying to sort this mess out during our honeymoon. I have yet to receive anything from them.
|
| 05/02/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I have filed police report on XXXX/XXXX/XXXX, case n. XXXX, I was called by TD bank Fraud department that my TD bank card was being use and they closed the account. I was asked to open a new account and I was able to dispute the charges from account # XXXX during this period I was still fighting with TD bank car loan service, I was asked to go to local branch to talk to someone about late payments or missing checks. I requested payment record from XX/XX/XXXX to XX/XX/XXXX, I was told by the bank that the only things will be provided is bank statement, not copy of checks. if I want copy to be included I must pay them each check. I did not agree on paying for my own record while they continue to miss credit my account. On XXXX/XXXX/XXXX, I did filed an other police report due to scammer. case # XXXX. TD-bank account number # XXXX This account is closed by TD-bank. Since I 'm not getting any where with TD-bank car loan department and both of my checking are now closed, I 'm demanding that DT-bank must provide me with every checks I wrote to pay for my car loan payment. I want pictures of front and back of each checks so I can compared with my External account see what the evidence will lead me to. I will not pay TD bank any fee for me to be able to have my personal bank records. Since I purchase this vehicle I received payment slips at the binning of XXXX since that time I never received total payments subtracted from the original balance, but they continue to claim that I have late payment. as you can see a copy of letter submitted yesterday with all checks from XX/XX/XXXX, XX/XX/XXXX, and XXXX, XX/XX/XXXX, still never subtracted. I want all checks record before I can hired a lawyer.
|
| 12/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX, I noticed several fraudulent charges from the car rental service XXXX. I called TD Bank, alerted them to these charges, and it was dealt with immediately. I was issued a new card, and the charges were removed. On XX/XX/XXXX, charges totaling XXXX} were transferred back on to my new card ( as a balance transfer from TD bank, though my statement shows the charges are from XXXX ). On XX/XX/XXXX, this happened again ( totaling XXXX ). I have since called numerous times and waited on hold several hours with no resolution. I have opened two separate investigations via TD bank, the most recent of which was closed XX/XX/XXXX with no resolution. One representative told me, " sometimes this happens, maybe you should call XXXX '' and offered me no other recourse. My most recent experience lead a representative to file another internal investigation to try and get some answers.
From what I gather by piecing together varying information from these calls is that the balance transfer was simply to balance out a credit I had received for the original fraudulent charges. However, the charges to my card never posted because they were caught in time, and I never received nor needed to receive a credit for them. I have a letter from TD Bank stating that the charges never posted, and no action was needed to remove the charges. My statements from the past two months verify that I never received a credit, and it simply appears that XXXX charged my old card a total of XXXX. Unfortunately, TD Bank seems to have deemed this matter " closed '' and does not seem willing to investigate further ( pending the results of my last call ). I am not sure how to proceed to get these charges removed.
|
| 09/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am writing this letter in response to the phone letter received from you on XX/XX/2022. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Thank you, XXXX XXXX
|
| 01/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I live in XXXX XXXX NJ. A blank unsigned check was stolen from my car. It was written for {$4000.00} and forged ( with a non matching signature ) and deposited in to the thief 's account at the same bank I bank with, TD Bank. I called TD customer service when I noticed the withdrawal and alerted them of the fraudulent check and froze the account immediately. Later that day the thief went back to the same TD branch and tried to withdraw the funds. The bank called me to question the transaction and they were alerted it was fraud. They wouldn't call the police with the thief in the lobby or help detain him, however I was able to get the police to the bank. The thief was arrested and charges are being pressed for the check/theft. An affidavit was filled out at the bank and notarized and sent in for processing. It has now been a month, and nothing has been done. The bank hasn't called me or even sent me a letter acknowledging the incident. I have called in to customer service and they say it's under investigation but that department can't be contacted. They then told me to take it up with the branch. I spoke with the branch and they alerted me it's in TD 's hands and that they have done everything they are supposed to do. No one has taken responsibility for the situation and everyone seems to point the finger to someone else. The bottom line is the bank should have checked my signature on file and never cashed the check. Even if they did, the transaction was from a TD to TD account, so it should have been a quick reversal. Not sure how much investigation needs to take place when the person was arrested for the check in their own bank lobby. It's not fair I should be out the {$4000.00}.
|
| 05/23/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
i called TD Auto to try to have a payment ( XXXX XXXX, 2015 ) skipped for a hardship. I am having XXXX on Wednesday XXXX/XXXX/15 on my XXXX and have to apply for state XXXX. I was denied the extension because i could not provide a date that i would have the funds from XXXX to make a payment. I just found out yesterday that i was having XXXX on my XXXX. I see the doctor again on Tuesday, XXXX/XXXX/15 and will give him the XXXX paperwork to complete, then my employer has to complete it. After my employer completes the paperwork it is sent to the state and the will process it " within a few weeks ''. My car payment is due on XXXX/XXXX/15 and i was asking to skip that payment until my XXXX starts. Unless i can provide TD auto with an exact date I am going to be paid XXXX the payment can not be skipped. If i find out that the XXXX will be paid on a certain date after the payment is due I can not skip the payment becaus the account is wo n't be current. this makes no sense to me. I have to have the XXXX to skip the car payment? i am asking to skip the month while waiting on XXXX. They offer hardships but do not actually provide it to the customers. I have paid them ontime for over XXXX years now when i need some help i am denied over the phone and they cant even provide me with a writen notice of the denial. I told them that i can provide documentation that i will be out of work from my doctor but all they care about is when will my next income be coming in. I was on hold for over XXXX minutes after talking to XXXX XXXX at TD Auto to be told i dont qualify. XXXX years of ontime payments and XXXX does not qualify someone to have a payment skipped for a hardship, i dont what would qualify
|
| 02/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
My Td bank checking account keeps having its address changed to an address I havent had access to in more than 6 mo. Theyve apparently been sending my checking account statements there for months despite even having the actual address on file for credit cards and numerous repeated attempts to change the address. I had a credit card statement/payment that was stolen from the mail or never sent that they tried to bill fees for and report to credit bureaus. I have called them repeatedly and changed the address for the checking account. I also went in branch in XXXX XXXX XXXX XXXX. I spoke to a XXXX guy who appeared to be XXXX based upon accent. It takes >20 min every time I call in. Ive had people call me claiming to be td bank reps asking for my ssn etc but they called from a slightly incorrect number. Calling td directly they stated that it wasnt them calling and that they wouldnt ask for a ssn like that. The checking account statements have a lot of personal details on it and also have the checking account number. Theres a few thousand dollars in the account. This is obviously extremely scary. TD also on account opening tried to deduct more than {$2000.00} from a brand new zero balance account despite having transferred that amount into the bank. Td bank has already been confirmed to be targeted at a high level to impede my personal economic prosperity with known XXXX insider threats at the bank including especially XXXX XXXX. Factually all of this stuff needs to stop. Banking and financial services are core infrastructure. These actions and or negligence are all illegal at this point and its extremely terrifying. Please mitigate the threats immediately and bring them to justice.
|
| 01/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Servicemember |
|
TD bank violated their agreement with the Consumer Finance Bureau by excessively charging a military veteran excessive fees. Not only that, TD bank returned automatic payments but kept bank fees and violated our contract to still pay all debit transactions based on our signed debit card transactions overdraft agreement.
I was in Another State for XXXX Holidays, I called TD Bank and informed them of that as it was my duty to make all financial institutions aware that I am out of town for XXXX holidays to prevent fraud. I had the money in my td bank savings account.
Td bank never attempted to retrieve the funds for payment from my savings account, but instead, they returned automatic monthly payments and charged me excessive fees.
Moreover, td bank is in violation of the CPPB agreement and policy because td bank charged me in excess of more than 6 banking nsf and overdraft fees within 1 week which is a direct violation of CFPB AND THE FAIR DEBT/CREDITORS ACT.
Td bank never sent me written communication of these excessive fees.
Lastly, when I informed TD bank that I am traveling for XXXX in another state, and asked TD bank, how do I deposit money in my account, td bank stated that they dont have a bank in the state that I am traveling to and td bank told me to have a friend deposit the funds for me in my home state which could be a violation of potential fraud by td bank making me tell a friend to deposit funds in my personal bank account. I asked td bank are there any other alternatives of getting access to my bank account to deposit funds and td bank said NO.
Please pull all recordings of td bank conversation with me for XX/XX/2021 on the phone for further proof. Thks
|
| 11/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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I opened a checking account with TD Bank in XX/XX/2018. I was told for the first 90 days my deposits would likely get a hold placed on them, including my paycheck. I was okay with this and understood. However, it's been well after 90 days and my paycheck gets a hold placed on it continuously. I get paid bi-weekly, generally the same amount, and I'm told by the tellers that the funds should be available the next business day. In my experience with banks, usually the funds are available Saturday if you deposit Friday, however this has not been the case except for one time. Since opening my account, my paycheck has not cleared as expected except for one time. This causes me to have to visit a branch, I've been to multiple locations and spoke to managers at 3 separate branches. I'm told these holds are dynamic, and that they can release my funds manually but can't give me a reason why it's happening. I've been assured it will be handled, but it still has not. I'm afraid to deposit my check into my account because sometimes the hold lasts 3-4 full business days, almost a full week from the deposit date. I have automatic bill payments going through, as most people do these days, and it will cause overdrafts, which I have to spend more time in the branch getting refunded.I keep being told the " back office '' needs to fix the problem, however consumers can't actually speak to anyone there. I went into the branch in XXXX, FL today, and spoke to XXXX ( XX/XX/18 ). He said he saw notes on my account relating to the problem I describe, but couldn't provide any details or updates. I just don't think I can deposit my paycheck again with TD Bank, it's becoming such a burden and inconvenience.
|
| 07/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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Web |
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I have some concerns about how my deceased fathers bank account at TD Bank was managed prior to his death. The TD Bank Fraud Department was informed by XXXX, who managed his IRA, that he was a victim of on-going fraud and scams. This notification was shared with the TD Bank fraud team on XX/XX/XXXX. While a customer of TD Bank, I also personally reached out to two branch managers at the TD Bank XXXX branch to alert them that my father is a victim of fraud. This did not result in any changes to their handling of his account.
Between XX/XX/XXXX and XX/XX/XXXX, when he took his own life as a result of financial distress, I believe that TD Bank did not follow proper procedures in order to protect him and his assets.
My father sold his home and made a large deposit of {$280000.00} into his TD Bank account on XX/XX/XXXX. On several occasions, my father walked into different branches on the same day and withdrew large amounts of cash without question. On XX/XX/XXXX, he went into a branch and withdrew {$15000.00} in cash. The very next day, on XX/XX/XXXX, he withdrew another {$15000.00} in cash. On XX/XX/XXXX, he took out another {$16000.00} in cash. On XXXX, he pulled out another {$33000.00} in cash.
In addition, he made two large wire transfers out of his account. On XX/XX/XXXX, he wire transferred {$65000.00}. And, again on XX/XX/XXXX, he wire transferred another {$95000.00}.
He essentially was allowed to drain his entire TD Bank account between XX/XX/XXXX and XX/XX/XXXX. As far as I can tell, there was little oversight to his suspicious transactions. He eventually took his own life on XX/XX/XXXX, stating in his suicide note that his death was a result of financial distress.
|
| 12/04/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
Servicemember |
|
On XX/XX/XXXX I transferred {$22000.00} to an account at TD Bank from my account ( XXXX ). I had spoken with my bank to ensure the account was valid and I believed I was purchasing a motorhome. It was a 24 hour transfer so the money would have been received on XX/XX/XXXX. Later that night, early morning around XXXX XXXX I woke up and intuition told me I was being scammed. I called my bank first thing in the morning ( before banks were even open ) and spoke with my bank asking them to cancel. It had already been transferred but they said they would contact TD Bank.
Throughout the day I spoke with my bank and once with TD Bank and they assured me that they had people who worked these specific scams. By this time I had already reported it to the local Sheriff 's office and filed a report with Detective XXXX in XXXX County, Texas. He did a little research and believed it was a scam. I also attempted to call the XXXX XXXX XXXX XXXX XXXX on Wednesday and was put on hold for 30 minutes and then the call was dropped. This was another indication to me that it was a scam.
On Friday, XX/XX/XXXX is when the motorhome was to be delivered. It never was and so I knew for sure it was a scam. I filed a report with the FBI and never heard back. I also filed a report with XXXX, which is where the item was for sale and I filed a report with the Attorney General of Texas, in an attempt to recoup the monies through the Crime Victim 's Fund and was denied, stating this was a property crime so it did not qualify.
FYI : In the last portion of this report, you request for my account #. I do n't have an account with TD Bank, the person committing the fraud does so that is the account # I provided.
|
| 06/27/2016 |
Yes |
- Prepaid card
- General purpose card
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Web |
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I had a REDcard acct that I only used at XXXX time, and I do n't think I had used it since XXXX of XXXX. I purchased a birthday present for my grandson on XXXX XXXX, XXXX. I went to pay, the clerk asked me if I wanted to use my REDcard, she said i 'd get more of a discount on that purchase, so I said, " Okay. '' That was a mistake. I charged {$25.00} on XXXX/XXXX/XXXX, then shortly after that, my son-in-law had an on-the-job accident that was XXXX, and my XXXX year old grandson was sick for weeks XXXX. They are both mostly fine now. But during that time, I was rarely even getting the mail out of the mailbox, let alone opening it. I was a basket case, and almost never home. So finally, my life returns to some normalcy and on Friday, XXXX XXXX, I open this bill from REDcard stating I owe {$120.00}. I called Target Card Services to ask them to forgive one or two of the late fees, but they say the OCC prevents them from forgiving any of the late fees, plus, if I close it without paying all the late fees the late fees will continue to stack up, another {$35.00} each month, even though the account is closed. I talked to XXXX and told him i wanted to close the account. Then I went straight to the US post office and mailed them a check for {$25.00}, along with a letter detailing what had transpired, and reiterated that I had asked for the account to be closed on the phone with XXXX on XXXX/XXXX/XXXX. I felt like they were strong-arming me, as if i was involved in a case of extortion. I just could not believe they would not waive at least one of the late fees. I actually thought what they were telling me was illegal. So now I intend to find out if what they are doing is in fact legal.
|
| 10/19/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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Web |
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TD Bank continues to have an advertised promotion as available here.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went to TD Bank about 95 days ago and enquired the promotion at that time which, at least at that time was available to new CHECKING account customers. I told the bank that I knew and freely admitted that I did have an account a few years ago, but that I was unsure if the account was savings or checking and asked if the previous account would disqualify me from the promotion. The bank representatives researched the issue and said that there was no record of the previous account and therefore I was eligible. I was surprised, but based upon their instruction, I enrolled in the program and as I went along I continued to ask and mention the previous account ... right up to and including two days before the bonus was to be paid and I always received verification that I was eligible even in light of me admitting that I had a previous account because they had no record of the previous account. Then on the day the bonus was to be paid, I was sent a note saying I am ineligible because I had A previous account. To me it is false advertisement. They are luring me into the signing up, saying I am eligible even when I disclose all relevant information, and in so doing based upon their role as employees and authorized representatives of the bank are presenting me with an offer that I am eligible for, and then after fact going back on their claims. Note that along the way, they issue you a credit card without you ever asking for it and in so doing disqualify you further from their ongoing credit card bonus offers.
|
| 06/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am the XXXX of a XXXX XXXX XXXX XXXX in XXXX, GA. I currently have around XXXX vehicles financed through various banks. All of these vehicles are on auto draft with these institutions and always have been. Recently, one of the vehicles was at final payment and for some reason TD did not auto draft the account for payment. 60 days later we received a letter in the mail saying payment on that vehicle was delinquent. My finance director contacted them and immediately paid off the balance. We reached out to their customer support and they confirmed that we did nothing wrong and that maybe because of Covid-19 something happened in their system. The customer service rep was obviously working from home at that time. He recommended we file a dispute through the credit bureaus and directly to TD. The TD dispute claim just came back and they are stating they are denying the claim - XXXX as of XX/XX/XXXX. I contacted TD today XX/XX/XXXX and talked to a customer service rep. They said that we were notified when we bought the vehicle back in XXXX that the final payment would need to be a check. This is absolute nonsense and should not be a part of any process. I don't even have the same finance director now that I did back in XXXX.
This process is absolutely Predatory. I have not missed a payment for anything in over 15 years. I take the value of my credit to be sacred and one of the most important things in life. This one mistake on the part of TD Auto dropped my rating precipitously. The fact that a lower credit score rating directly benefits companies like TD Auto Finance should be investigated by the CFPB as a fraudulent practice meant to harm consumers and XXXX XXXX like me.
|
| 11/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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I have only had two purchases in 2023 on my Target RedCard XXXX : a purchase for {$3.00} on XX/XX/XXXX and a purchase for {$2.00} on XX/XX/XXXX. Presumably due to the small balance on the credit card, I was never notified by Target that there was an outstanding past due balance on this account outside of emails notifying me that a monthly statement was available. These notices contained no indication of the account status and looked exactly the same as months where the account was inactive with a {$0.00} balance. Target then continued to make no attempt to notify me that the account was past due, while charging a $ XXXX/month fee until XX/XX/2023, when the fees caused the account balance to cross an arbitrary {$10.00} threshold. Once the account crossed this threshold, a past-due account was reported to all the credit agencies. Upon seeing this notification on an app monitoring my credit report, I immediately paid off the account and contacted Target to perform an investigation as to why no attempt was made to contact or notify me about the past due account earlier. I have launched investigations into this matter through the company, the XXXX, and various credit agencies, and each time Target solely claims that they must " report accurate credit info '' and have not adequately investigated whether the low balance prevented whatever notice of past due accounts that are normally sent from being sent to me. I also maintain that Target is falsely claiming that they are not investigating the matter due to the credit reporting being " accurate '', as they did not report the account was in a negative state for several months until it had crossed some arbitrary balance threshold.
|
| 05/02/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
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XXXX XXXX charged a late fee to my account for XXXX of this year because my payment came late. I called and asked if I could have the fee removed. The person I spoke with said they noted it and that the fee will be removed and reflected in the XXXX bill. The paper bill I received had showed a minimum amount that reflected the fee still there as well as my XXXX payment having not been received. I knew this was incorrect, and their website doesn't pull up on my computer and I've been trying to register for an online account since I opened the account over two years ago at this point. So I called customer service to get the actual minimum for the XXXX bill. I was quoted a number that clearly reflected the late fee from XXXX I was told would be removed. The person on the phone insulted my intelligence by saying the person you spoke with earlier misspoke and said they remove the fee from my total balance after I pay it. How is it a fee removal if the fee is " removed '' after I give you money for the fee. I don't appreciate being lied to nor condescended. I then called back and asked about the dispute process and was pointed to their web page that customers are expected to print out, fill out, and then send snail mail to some address in South Carolina. This is from a company that on their online portals and every paper bill encourages us to go paperless with their " XXXX '' website that has not allowed me to register for it since I've opened this account. This leads me to believe the dispute process is a formality, farce, and nothing they actually take seriously. I want to dispute the fee and I want it removed from my due balance immediately like I was told it would have been.
|
| 10/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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|
Web |
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As a small business owner and a minority, my access to credit is limited, hence I use any and all credit I have within my arsenal to finance my project. This includes my Target Card. I usually payoff this card but during Covid, this became difficult as the Bank that was going to finance my project went out of business, as many did in the secondary market.
Once the Cares ACT was passed, I notified Target Red Card Services or TD Bank regarding what help was available under the ACT. I notified all my credit card companies including Target.
While payment was not made monthly, because the interest rate on this card is really egregious, payment was made yet this card still reported me late to the credit bureaus causing my credit score to nose dive and other card companies to cancel several cards or reduce credit lines which I have but were current on.
I contacted Target, and i was told it was a mistake, the reporting will be corrected with the Credit Bureaus and the and they would address the issue and also reverse all the incorrect fees. I was also told the money owed on the account was about {$10000.00} afterall the fees were removed. I made the payment in full on XX/XX/XXXX.
The monies were never reversed. The following month, I called them again and I was told the account is showing {$1100.00}. Online the amount showing was {$950.00}. I made that payment. I also learned the credit bureaus had never been contacted, the fees never reversed and since citizens don't have a real advocate, I made the payment with reservation. I have attached a screen shot of what the system showed was due. Lo and behold, I received another bill showing {$140.00} due again on this account.
|
| 01/14/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
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Web |
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Ten years ago I took out an equity line on my house with TD Bank. It was a no doc interest only loan. I have never been late with a payment to TD or to XXXX which holds my mortgage. In XXXX I decided I need to do a refi because it made no sense to continue paying interest only. My mortgage broker looked at my credit and said that I had really good credit with the exception of being in foreclosure with TD. Unbeknownst to me my loan had ballooned in XXXX. I called TD to find out what was going on and why I had never been contacted. I was told that they had sent one certified letter to an old address that was of course never signed for, they had never attempted to call me, and even had my social security number wrong on some of my documents. I was very upset and let the rep at TD know that they had ruined my credit making it impossible for me to get my home refied, and that I was sure that TD was not in the business of owning homes and that we needed to make the situation right. The rep then informed me that they had done research on my home and that they would actually stand to benefit from taking my home and selling at auction because of all the equity that I have. I then tried to get a loan modification which was turned down. I feel that TD has been predatory and aggressive and had no interest in trying to work with me. The made XXXX effort to contact me and I would not have found out about the foreclosure until the sheriff served papers. Because the loan payments were on automatic withdrawel from my account and a small amount I never noticed that they bank had stopped taking payments. I need help and very much do n't want to lose the home that I have worked so hard for.
|
| 06/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
This is in reference to Case number : XXXX. I have been monitoring when my mortgage statements arrive, and find they arrive, for the following month, prior to the XXXX of the current month. According to TD 's response stating payments made can be credited at their discretion, they are evidently running a scam operation here. If the prior month has been paid, they can at any point prior to the first of the next month, they can direct it to the end of the loan. How can they send a bill you are unable to pay on its arrival for fear of disaster?
In addition, I suggest requesting the phone records at TD which will show we addressed the issue immediately! and they failed to act. We have been borrowing from our future to get by and to restore our credit over the last nearly 2 yrs. We have put countless hours into this. Ridiculous that the bank ruined us financially and shrugs it off. Nothing in our contract gives them that right.
Yes, it has taken a long time to address this ; in part because we now spend our lives trying to get by and continue work back to where we were prior to TD Bank 's error.
In addition, if they are going to continue their insistence it was not an error, again, the phone records and emails will suggest otherwise. And if it was not an " error '', then why did every one of the at least XXXX people we spoke with address it as such? Do they allow false information to be passed to consumers? Or do they train personnel to respond falsely? Do they not monitor these things?
For our sake and more so the sake of those yet to come, these practices need investigation and resolution! Our health, our financial stability and our future have been negatively impacted.
|
| 05/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
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I've had a Target Red Card Credit Card for 12 years. Initially the Credit Limit was somewhere around {$2000.00}. For a long period of time I was continually carrying a balance on this card month after month and at times coming close to maxing out my limit. Even during this time, I never made a late payment. At some point when I was carrying a balance on the card my credit limit was increased to {$6200.00} without my knowledge. Eventually I paid down the credit card and didn't use it as frequently as I previously did. In XXXX of 2020 Target lowered my credit limit from {$6200.00} down to {$2000.00} again without my knowledge. When I found out, due to my credit score being lowered because the ratio of used credit to available credit had changed. I called Target 's credit card services who told me it was lowered due to inactivity and they would look into correcting the limit. Since that first call I've had to call back 2 more times and during the times I was questioned about my income level, which has only gone up over the last 10 years and told that the computers review these cases so they could take months to change and basically told that there was nothing they could do to fix it. If this credit card wasn't the oldest thing being reported on my Credit Report and there wouldn't be a negative impact to my credit report, I would've closed it already. I feel like extending someone's credit when they're carrying a max balance and lowering it when they're not using the card is basically predatory lending. I don't absolutely need the extended balance on this card but the principal of the situation and the lack of response from Target is what really upsets me in this situation.
|
| 10/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Fees charged
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|
Web |
Older American |
|
My home was in foreclosure. I applied for XXXX funds and got the loan reinstated through those funds in the amount of {$39000.00} in XXXX of XXXX. This involved a large amount of work on my part and the part of my attorney to get TD Bank to provide an accurate reinstatement figure to XXXX. We had to file a CFPB complaint just to get that done ( CFPB Complaint # XXXX ). Ultimately, TD Bank did provide a reinstatement figure to XXXX on XX/XX/XXXX in the amount of {$39000.00}. TD Bank stated in a letter dated XX/XX/XXXX in response to my last CFPB Complaint that this amount brought the loan current. See attached letter dated XX/XX/XXXX.
Then, immediately afterwards, I started receiving statements telling me that I still owed over {$12000.00}. On XX/XX/XXXX, I called TD Bank after receiving one of those statements, spoke with a representative named XXXX XXXX and she told me that that amount reflected legal fees, appraisal fees, and other fees. I was then transferred to a representative named XXXX who told me that it was unusual to be charged those amounts following a HAF award -- -that the HAF award should have put my account at a XXXX balance. I then asked for a paper statement to reflect a XXXX balance and the current mortgage payment that would become due. I never received that statement and instead received a statement on XX/XX/XXXX, again telling me I owed {$13000.00}.
I next sent a request for information and notice of error to TD Bank on or by XX/XX/XXXX. I have not yet received a response to that letter, but I would appreciate TD Bank setting my account to current status and removing the {$13000.00} charge, so that I may finally resume making monthly payments.
|
| 10/10/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
XX/XX/XXXX - Contacted by phone - Contacted them about fraudulent account opened in my name.
XX/XX/XXXX - Sent Letter - Dispute Letter and XXXX Fraud Questionnaire this included Police Report and FTC Report XX/XX/XXXX - Received bill from XXXX - Called the number given on the bill - I disputed the account and stated that I had been a victim of identity theft. The person on the phone stated that this account is my liability researched by XXXX the investigator. I asked for badge and/or last name of XXXX was denied. I asked the man on the phone for his name and he refused and then hung on me because my spouse was listening, Disconnected without giving me the name @ XXXX XXXX
XX/XX/XXXX - Sent Letter - Sent FTC Report, Proof of Identity, and FTC Documents to dispute bill.
XX/XX/XXXX - Received another bill. Called by phone to inform them that they were not supposed to be continuing collections protections.Called and talked to XXXX who tried transferring me to XXXX. XXXX phone was busy. I gave XXXX my cell phone and asked him to have XXXX give me a call. No one called.
XX/XX/XXXX - Received a collection notice. Called and spoke with XXXX who transferred me to XXXX in Fraud who is reviewing my bills.If anything is needed, XXXX is going to call or email me. Gave my email to XXXX who states she is going to talk to him in detail and try to get this cleared up. No response.
XX/XX/XXXX - Received credit update by Identity guard who informed me that the XXXX Bill was still on my credit report ( XXXX Only ).
The charges have gone from {$3500.00} to well over {$4800.00} even when they knew this was fraud and others on the line knew they had received all of the documentation.
|
| 03/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Older American |
|
Acquired a car loan in XX/XX/XXXX. Due to covid and loss of wages, i was unable to keep up with car payments. Was approved for covid relief until XX/XX/XXXX. After that date I never again received a payment statement in the mail. I called many times to request a payment invoice and never received one. On XX/XX/XXXX I contacted TDAuto Finance to again request in writing, the amount owed in missed payments. The customer service rep I spoke with said he would mail out statement containing information on what I owed for missed payments. I informed the customer service rep that I was ready to catch up on payments and just needed total amount in a statement. I never received that statement. On XX/XX/XXXX my car was repossessed, with the cremated remains of a loved one inside, while I was running errands. I came out of a store and found my car gone. Leaving me stranded. I had to taxi home for {$37.00}. I contacted TD Auto Finance and they said I had to pay off entire balance to get car back. I had not received any written notice or phone call stating my car was in repossession status. According to Florida law 537.012 section 2 which states before the lender engages a repossession agent, they must afford the debtor an opportunity to obtain their personal property. I was never afforded that opportunity. After contacting TD Auto Finance on XX/XX/XXXX and informing them I vwas ready to catch up on missed payments, I dont understand why at that point they would repossess my car as i was making an effort to pay entire balance of missed payments. I am a senior citizen now stuck at my home with only a taxi for transportation, which is very expensive for me due to location of my home
|
| 06/04/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
Older American |
|
I had opened a security deposit box in XXXX, with TD bank, XXXX XXXX XXXX XXXX, XXXX, NJ XXXX Ph No XXXX. I primarily used this security box to store inherited jewelry, gold coins etc.
On XXXX XX/XX/XXXX afternoon, I went to this branch to close the security box as I was able to secure the security box in XXXX XXXX on XXXX XXXX closer to my residence. I brought in both keys to the security box. The bank official informed me that the security box has been already closed off and there was nothing in that security box. This was a shock to me as I had both the keys with me and both keys are still in my possession. I never went to bank to close the security deposit box.
I left for XXXX as per my plans. I communicated with the manager XXXX XXXX via emails and demanded what had happened? I am enclosing the copies of email communication with this complaint.
I found out that : 1. Somebody tried to get in to the security box on XX/XX/XXXX. The information on the entry card was scratched off.
2. The security deposit box was empty, the inner box wasn't there.
3. I was informed that with the consent of the bank manager, this security box was closed.
which is the most absurd and bizarre. No one can close my security box without my permission.
4. I found out that the person who closed off the security box was no more working there and they can't find him I tried my level best to get some answers from the bank official. My attorney wrote the bank official letters to get resolution. I couldn't get any help, so I filed criminal report against the bank with police.
I am attaching all the documents in this complaint. If you need any other information, I would be happy to provide.
|
| 10/17/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
opened a dispute for items i never received, called td bank on the phone in XX/XX/XXXX wanted to dispute XXXX they told me i could n't dispute half of the amount had to do the whole amount which was XXXX, but i said i received some items and only wanted the XXXX cause i was promised to have parts by then. they put my dispute in for the entire amount. call them back and said that i talked to person sending items that they where coming. asked td Representative if something changes can i reopen dispute and he said yes. so in XX/XX/XXXX i called back to reopen 1st dispute and once again i said only wanted to dispute the XXXX and they wrote it up for XXXX after i told them it was supposed to be XXXX, they refunded me the money on XX/XX/XXXX. thought they settle it with company i bought from. 7 months go by and i get a letter stating they are reversing the charges back letter was dated XX/XX/XXXX, i did n't receive the letter till XX/XX/XXXX, and they are taking the money out on the XX/XX/XXXX which i did n't authorize. i went to td bank in XXXX and talk to a representative and tried to tell her that i need to reopen the dispute for the right amount that I 've been telling td was for XXXX and the response from td bank cause my debit card was a XXXX logo on it that there are denying cause i opened 2 claims. i gave the all the documents proving i never received the items with all the emails from vendor stating i asked for a refund and nothing came from going to vendor avoiding response from him. vendor scam or fraud cause still have n't received items so i feel i should have to pay for something i did n't get. now my bank account is in the negative and i 'm incurring charges.
|
| 11/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I opened an account with XXXX XXXX XXXX on XX/XX/2014 and I set up an autopay on the account. The last payment that I made was on XX/XX/2014. Per the FCRA guidelines, an account can only be reported to the credit bureaus for 7 years from the date of first delinquency on the account. I filed a dispute with XXXX and XXXX because they were incorrectly reporting the date of last payment on my account. From my understanding, the company continued to try to debit from a checking account that was no longer being used and therefore no longer valid. The company was trying to say payments were being made even though the payments were returned for a period of time. I submitted a dispute to request that my last payment accurately reflect my ACTUAL last successful and received payment. The company did an investigation and indeed updated my date of last payment to XX/XX/2014. Based on this update, this account is required to be deleted from my credit report because it has been 7 years from the date of last payment. Ive disputed multiple times and even though the date of last payment is now accurate the company refuses to remove and delete the account from my credit report. Ive spoken to XXXX and to XXXX and keep asking them to remove the account from my report being it is now older than 7 years. I am filing this complaint as a last means to have this information deleted. If it is not, I will file contact the States Attorney General and have to involve a lawyer. Please see attached dispute results. You can clearly see that the investigation updated the date of last payment to XX/XX/2014. This means that this account MUST be deleted since it is 7 years past the date of last payment.
|
| 11/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
XXXX XXXX until recently use to be a Buy Here Pay Here Lot so they still have that Lets Rip Them Off Mentality. This is the most unethical and dishonest dealership you can go to. I signed the Buyers Order that showed there was XXXX down. Then they produced one that says {$500.00} down and they have no explanation why it was changed and wanted me to pay them. I refused so they added it on to my loan plus another {$400.00} that they had no explanation for. I never got to see the Contract because I was told that they could not print it and they would email it to me. When they did, those signatures were not mine accept for the last 3 which they transposed over from my Drivers License. I told them at the time of purchase that I will not pay them {$1100.00} to wash my car. I was told that I would not be charged that Fee. The fee showed up on the Contract that I did not Sign therefor I was Charged. In addition they committed Bank Fraud by financing the car with 2 different Lenders and I verified that they collected the money from both Lenders. That caused me to owe a double car payment. Thanks to the FL XXXX XXXX XXXX XXXX one of the loans were finally cancelled. I called TD Auto Finance and told them that the Contract was a fraud referring to the Amount of Sale and Signatures. The first agent told me that he didn't care if it was my signature as long as he has a Signed Contract. The second Agent gave me the number to there Fraud Department and after several attempts i never was able to connect someone. The 3rd Agent called me and told me in a very rude demeanor that they asked the Dealership if the Contract was Fraudulent and they said no so they are fine with that answer.
|
| 03/07/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
XX/XX/XXXX contacted TD Bank XXXX card service to have a balance transfer of {$10000.00} to my XXXX XXXX XXXX XXXX XXXX XXXX.
JXX/XX/XXXX the {$10000.00} balance transfer posted to my XXXX XXXX as {$10000.00} payment received.
XX/XX/XXXX my XXXX XXXX XXXX was debited {$10000.00} and it was noted as stop payment.
I immediately contacted TD Bank XXXX Card service. they claim that they never issued a stop payment on the {$10000.00} check.
I contacted XXXX bank card services and they claim that TD had stopped payment.
I spoke to supervisors at TD XXXX card services. they sent me letters and a copy of the check cashed by XXXX Bank card service.
I wrote several letters to XXXX XXXX both the VP customer service and the office of the president of XXXX service. I included all correspondence and a copy of the {$10000.00} check they had cashed.
I was contacted by XXXX XXXX from the office if the president of XXXX. ( XXXX ex. XXXX. I spoke to her giving her all the above details she told me she would look it and get back to me. I heard from her with in five days. NO solution she told me what I already knew that TD had put a stop on the check.
I questioned her as to why on the back of the check was a stamp indicating XXXX XXXX bank was involved. They are our payment processing bank. I asked had she gone to XXXX XXXX no was the answer I received.
TD bank XXXX card service and XXXX service XXXX XXXX both of these bank credit card services claim it is the fault of the other.
I now owe TD XXXX {$10000.00} and that amount was never applied to my XXXX XXXX XXXX from XXXX XXXX.
I paid {$400.00} transfer fee to XXXX XXXX. Where is the {$10000.00}.
4
|
| 10/13/2017 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Received a letter in the mail from XXXX, XXXX XXXX XXXX offering a 65 % {$7400.00} settlement for a XXXX XXXX XXXXrom XXXX. On XXXX/XXXX/XXXX, I and my XXXX XXXX called and spoke with XXXX XXXX of XXXX and offered a settlement amount of {$2200.00} and she stated she would have to contact TD auto finance to get approval for that offer. My XXXX XXXX and I attempted to call TD auto finance directly to negotiate settlement with them ; spoke with XXXX XXXX and she stated that she could not negotiate settlements because the debt was under contract with XXXX and no one could speak with us concerning the account. By XXXX there was no follow up called to myself or my financial XXXX. XXXX was called on XXXX by my XXXX XXXX to follow up on the initial request and there has been no response from TD Auto Finance. My XXXX XXXX then proceeded to request for a XXXX cancellation of debt and she spoke with a supervisor, XXXX XXXX, and XXXX stated that she would let TD Auto Finance know of the request for the XXXX C and also try to follow up with a response for the initial settlement offer. XXXX was informed that I could pay the settlement offer of {$2200.00} immediately but has not received permission from TD Auto Finance to accept the payment. I called today on XXXX to follow up and stilXXXX XXXX has not heard back from TD Auto Finance. XXXX XXXXlso could not submit proof or documentation that a Right to Cure letter was sent to me, I did not know that I was able to negotiate any settlement before the XXXX was XXXX. I or my XXXX XXXX have contacted the collection agency XXXX on 3 different occasions to settle the debt but have been unsuccessful due to no response from TD Auto Finance.
|
| 08/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American |
|
On XXXX, TD Bank debited {$250.00} from my newly opened ( XXXX ) checking account ending in # XXXX. TD indicated a line item, " DEBIT, XXXX Claim XXXX. '' TD Bank will not provide additional information about this debit to me.
This issue may stem from the initial account opening on XXXX when TD Bank, rather than showing my initial {$500.00} deposit as pending under my actual account number XXXX, placed my initial {$500.00} deposit from XXXX XXXX into an account ending in XXXX. I contacted TD Bank and XXXX XXXX about this issue and XXXX investigated it as possible fraud.
Three days later, my initial deposit showed up in my TD account ending in XXXX. TD Bank ( XXXX XXXX ) said that the " Fraud Claim '' is the reason that TD took {$250.00} from my account XXXX on XXXX and closed my checking account, but XXXX XXXX closed their fraud investigation on XXXX.
In addition to the {$250.00} that TD Bank debited from my checking account XXXX for a " Fraud Claim '' that had been closed for two weeks, the unilateral decision by TD Bank to close my Checking Account also cost me the {$300.00} bonus that TD Bank offered for opening a new checking account.
XXXX will not provide any information to me about what happened to the {$250.00} because " XXXX has a relationship with TD Bank, not with me. '' To me, this money is simply gone.
I have had numerous communications with TD Bank representatives who can not explain what, or why, TD Bank did other than send {$250.00} to " XXXX XXXX '' ( XXXX XXXX ). The money has not been returned to XXXX XXXX.
TD Bank is withholding this {$250.00} and I have not been made whole. Please advise. Thank you in advance for your kind assistance.
|
| 05/05/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX I placed an order for a new XXXX XXXX XXXX phone under a trade in promotion where I was promised to get a {$200.00} credit for trading in my old phone making the cost of the phone {$650.00} ( {$850.00} minus {$200.00} credit ). Concurrently with this purchase I applied for a XXXX TD Bank card which would allow me to pay the phone in interest free installments.
On XX/XX/2018 I received an e-mail from XXXX saying I was being charged an additional {$170.00} because the phone I traded in was not unlocked. That is a complete and utter lie as I traded both my wife and my phone together and did the same factory reset on both ( and then checked before sending them in ). This issue only happened with one phone.
Upon contacting XXXX on XX/XX/XXXX I was told they would investigate and get back to me within two weeks. After not hearing back and contacting them again XX/XX/XXXX I was told the case was still being looked into. Frustrated with no progress and what seemed to be empty promises of actually looking into ANYTHING I contacted TD Bank to dispute the charge.
On XX/XX/XXXX TD Bank sent me a letter saying they looked into my dispute and basically quoted XXXX 's original lie verbatim and for me to contact XXXX again which I did again today XX/XX/XXXX but basically got nowhere with them.
So in summary XXXX claims my phone was not unlocked but can't provide any evidence to back up that claim. They refuse to return my old phone so I can check this issue myself and TD Bank is just repeating what XXXX is saying. I'm not sure on how many more customers they are playing this game where they basically claim to give you a credit and then just steal your phone.
|
| 04/05/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
Despite repeated phone calls to TD Bank, complaining that reordering transactions from High to Low, has resulted in hundreds of dollars of overdraft fees, I was told that I did not " fully opt out ''.
I do not understand. They wanted me to listen to a recording and " consent '' at the end. Yet, their recording stated that I may still be charged {$35.00} per transaction, even after I sign up! I immediately denied this and I can prove this because I recorded the conversation. This is lawful because I live in New Jersey, which is a one party state.
I also read that despite TD Bank paying a {$62.00} XXXX dollar settlement for reordering transactions, they continue the practice to this day. TD Bank remains the only bank who still reorders transactions from High to Low.
I 've tried several times to work this out with TD Bank, to no avail. This is horrific and this predatory practice preys on those who, like me, live paycheck to paycheck, for they know we are also the least likely to fight back. We are unable to close the account with a negative balance yet unable to pay. Meanwhile, they continue to add fees and it feels as if I 'm in TD Bank Prison and I 'm unable to break free. There are two proposed class action lawsuits filed against TD Bank this year alone and one of them is for -- you guessed it -- excessive fees. The other is for their coin counting machines. In my humble opinion, TD Bank has engaged in the predatory practices of Bad Faith and Breach of Contract and it is no accident that the most damage has been levied at those least able to fight back : the working poor. This is unconscionable and they need to be held accountable. Please help us.
Thank you.
|
| 07/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
I purchased a lawn mower on XX/XX/2020 using a promotional offer for 0 % interest for 60 months. The purchase was completed and the merchant initially submitted the charges incorrectly. The charges were submitted and a promotional fee of {$120.00} was applied to the account. The merchant reversed the charges on XX/XX/2020 and submitted the correct purchase amount. The initial promotion fee was not reversed and a second promotional fee of {$120.00} was applied to the account.
Customer service was contacted upon receipt of the first billing statement and I informed them that a duplicate promotional fee was applied without the first being removed.
I have submitted disputes online using their online system and I have contacted the bank numerous times, sometimes with wait times in excess of 45 minutes. I advised them that until the charges were reversed I would not be submitting any payments on the account. I have now been charged with late fees for 4 months and I have requested in subsequent calls that both the late fees and the duplicate promotional fee be reversed at which time I will immediately bring the account current. Its is now XX/XX/2020 and none of the charges have been reversed despite numerous conversations with the creditors collections department. They continue to call to request payment and the dispute has been refiled on numerous occasions. This has now cause a significant impact to my credit and has caused me significant stress and a great deal of time addressing the issue. I have not been contacted by any representative who is authorized to make the necessary corrections despite numerous requests and I am still being assessed fees for non payment.
|
| 02/10/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
I have contacted Nordstrom multiple times pertaining to this issue. I was advised that I was approved for the Nordstrom Visa but since I had to implement a Fraud Alert due to the most recent XXXX breach. I had the great opportunity of speaking with someone in upper management in the corporate office and when speaking with a customer service representative and a manager I was advised that all Nordstrom card service needs to do is verify my identity. In doing so I sent front and back copy of a current Florida state drivers license current front and back copy of my Social Security card and a current utility bill showing my name on the bill as living at my current address and I have done this more than three times and in spite of doing so and complying with what they requested taking time out of my busy schedule. I sent them the documents requested well on XX/XX/2019 I have enclosed a letter that is basically the notice that Nordstrom card services to receive my complaint with the consumer financial protection bureau. When a consumer gives information such as their employer and in my case I am a XXXX I believe I have been discriminated against against the fair credit lending act there should be absolutely no discrimination based upon spiritual or religious affiliation or organization. That being on my application and through conversation I am being discriminated against by Nordstrom card service to receive the visa card that I shouldve received because Nordstrom card services received the documents clear as day in fact I believe in color that they requested. Since Nordstrom has merged with TD Bank they had been the worst and out of compliance of the fair lending act.
|
| 09/01/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
My name is XXXX XXXX. I reside in XXXX XXXX XXXX NY. I have been banking with TD bank for several years. On XX/XX/18 I lost my wallet containing my New York State Identification, Td bank debit card, Social Security card, and other pertinent information. Someone found my wallet and made several unauthorized transaction using my debit card. The fraudulent charges are as follows : {$2700.00}, {$150.00}, {$100.00}, and {$54.00}. all were made on XX/XX/18. I used my debit that morning to get a cup of coffee, and ran a few errands locally and was home by XXXX XXXX. When I started to get ready for my Friday evening events, I realized I lost my wallet. I immediately Notified TD customer service, They alerted me of all the unauthorized transactions, and although I notified them within 3-4 hours of the fraud, I was told the transactions were still pending and I would not be able to file a claim until the transactions posted to the account. The banking specialist said to call back in 4 days to make a claim. I did, I made a claim on XX/XX/18. When I called back a few days to find out the status of my claim, I was told my claim was denied because I made a claim the year before. I have made many phone calls, and written several letters pleading my case quoting their 0 % Liability Agreement, all have been unsuccessful. Because of my failure to resolve this problem with the bank I have been forced to file a civil suit in the XXXX county Small claims court. We have a court appearance scheduled for XX/XX/18 at XXXX XXXX. Index # XXXX. Im hoping you are able to help me resolve this issue amicably with the bank before my scheduled court date. My contact # is XXXX XXXX XXXX. Thank You.
|
| 12/13/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I have made several deposit to my account with TD Bank. I have received several {$35.00} fees for the transaction on the same day that a deposit was made. I have been charged {$170.00} this week along with Fees but I am making deposits into my account on the same day. The transactions are in a pending state when I make the deposit and my account is not showing a negative balance at that time. I am really upset by a recent {$35.00} fee where my account was {$.00} ( XXXX XXXX ) overdrawn by a transaction and the bank charged me {$35.00}. This is so unfair to me because the money deposit shows credited the same day as the transactions. I really need my {$170.00}. I just had medical XXXX and do not have money to give to the bank at XXXX. I want a refund for all of the fees because a deposit was made the same day. I do not understand their processing although I was explained and it was not like this when I open up my account. There should be a federal regulation that permits the bank to not processing credits like this. I should get credit based on my deposit that day and then debits should come out. Other banks use this process. TD Bank has an unfair policy.
Also, bank paid my mortgage payment which the money was not in there to cover it. This caused the overdraft fees. I thought that I was signed up for them not to pay for transactions if the money was not in my account. I do not want to overdrawn my account to pay something if the money is not there.
Finally, a lot of the bill pay is going out too soon and getting paid before I want them to. I get paid on the XXXX, XXXX and XXXX. I set bill pay up so money is in account. Bill are coming out too fast and frequent.
|
| 09/17/2015 |
Yes |
|
|
|
Web |
|
|
I signed up for eBilling and and set up automatic bill pay on my Target REDcard XX/XX/XXXX. My monthly bill was due on the XXXX of the month and I set the electronic payment to be sent one day before the due date. Beginning XX/XX/XXXX every month my bank sent electronic payment the day before the due date, Target received the money and waited 4 days to post it to my account and subsequently charged late fees that escalated from {$25.00} up to {$35.00}. For approximately 21 months consecutive months, I was charged a late fee and interest despite making payment in full. After I finally noticed the charges, I attempted to work with Target REDcard. They offered to credit XXXX fees, but when I said that would n't be sufficient and asked to close my account, they first would not do it and then just hung up. Eventually, I was able to cancel the account.
I then talked to my bank and they pulled records indicating the payments were made in a timely manner and attempted to resolve the issue with Target. My bank called Target REDcard and asked " If we provide proof that the payments were made in a timely manner, will you reverse the late charges? '' The REDcard rep seemed confused by the idea and my bank 's representative asked where she could send information proving the payments were made on time. After being put on hold several times, the REDcard rep just disconnected the call.
I acknowledge that I should have verified that Target was attempting to steal money from me much earlier in the process and quickly discontinued doing any business with them, but my incorrect assumption that they were acting in good faith does not give them permission to scam me out of {$700.00}
|
| 02/26/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
We initiated a transaction on {$160.00} from our XXXX account on XX/XX/XXXX to pay our Target credit card bill. XXXX shows our account being charged {$160.00} on XX/XX/XXXX. Target originally told me on the phone that the payment was not received until XX/XX/XXXX ( 13 days after initiation ) and as a result charged us a {$30.00} late fee and {$5.00} interest fee. Subsequently, and as written on the statement, Target told me that it was received XX/XX/XXXX, which was nonetheless after the original XX/XX/XXXX due date.
We contacted Target who agreed to waive the {$30.00} late fee but they then escalated us to a manager before finally agreeing to refund the {$5.00} of interest. XXXX informs me that Target does not accept electronic payments, so a paper check is the only way their bill pay will work. XXXX says this bill pay takes 5 business days, while electronic would have cleared in just 1-2 days.
XXXX customer service told me that the check was cashed by Target on XX/XX/XXXX. Someone is apparently lying here. Neither XXXX nor Target is interested in investigating this discrepancy.
I am frustrated with XXXX who charged me fees for a digital payment supposedly being just a day or two late while refusing to accept digital bill pay. While they did eventually agree to waive the {$30.00} late fee and {$5.00} interest fee, I accrued another {$7.00} of interest in the next month due to the confusion, which they have refused to waive. Target tried to get me to set up autopay with them in order to resolve this type of issue going forward, but it seems unreasonable that a consumer can't rely on a big-4 bank to make electronic payments that clear within 13 calendar days.
|
| 05/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Older American |
|
In the summer of 2022, TD Bank offered a bonus for opening a checking account. The requirements were to open the account online and use the code supplied. I tried to open an account online but their website would not let it go through. So I went to a bank branch to see if I could open the account there The bank rep. who helped me open the account, assured me that I could open the account and that she would put in the code and I would receive the bonus. The bonus was to be paid in 6 months. Two days later, before I had actually made a deposit I was charged for checks. I deposited {$110.00} for a {$100.00} deposit and {$12.00} to cover the cost of the checks. Two weeks later I deposited XXXX. Seven months later the bonus was not paid. I went to the bank and talked to the same rep. who had opened the account for me and she said, after looking through the paperwork and my account, that she would check into it and see why the bonus wasn't paid. I went back to the bank a week later and was told that the bonus was denied because I hadn't opened the account, online, and hadn't entered the code, online. The rep remembered me and said she would appeal because she recalled telling me that her entering the code would be enough. I went back to the bank a week later and was told that the appeal was denied because I hadn't opened the account, online, and hadn't entered the code, online. While the bank is technically correct that I did not follow their printed offer, I would think that bank employees should know when an offer is rigidly enforced and not waste customer 's time. They not only had my money for seven ( now 10 ) months but they had me pay for checks I will never use.
|
| 11/08/2017 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
On XXXX XXXX I made {$30.00} XXXX wire transfer to my dollar account in XXXX. I asked for dollars to be send. Despite all assurances that dollars will be sent the bank officer who was the branch manager by away, converted the dollars into XXXX currency charging XXXX XXXX conversion fee and sent XXXX currency to XXXX.
As a result instead of receiving XXXX dollars less {$25.00} fee by XXXX bank which is {$29.00} XXXX I received XXXX XXXX which is XXXX loss.
During the transaction I noticed exchange rates on the receipt and I thought they not supposed to be there because this is XXXX XXXX dollar transaction .I asked the officer why they are there. She said " Oh dont worry about that. I 'm sending dollars .That is there only for information ''. As I later found out that was the exchange rate of the transaction because she was sending XXXX not dollars besides all assurances .And that was the branch manager of TD Bank XXXX XXXX XXXX XXXX in XXXX NJ XXXX XXXX XXXX XXXX
She lied causing {$1800.00} loss on mu side.
I made similar transaction in XXXX XXXX for XXXX XXXX dollars that was done correctly.
The same banks, the same accounts.The one done in XXXX was XXXX XXXX dollar transaction, no exchange rates on the receipts, no mention about XXXX XXXX.
I spoke to TD Bank customer service also XXXXThey said " they sorry, they understand, they can not help. '' that " I should go to another bank and ask. '' They happy with stolen XXXX dollars I think.They do not intend to fix the unauthorised money conversion.They do n't even admit to wrongdoing even thou I have the proof an a paper. They 're thieves.And fact that this was done by a branch manager, that is just disgrace.
|
| 08/06/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
On XX/XX/1921 I had a charge to my acc for XXXX I called td bank to dispute the charge on my debit card ... I received a provisional credit which was later reversed ... I called them back to request what documentation they had to make their decision which never came ... I called them twice and both times I havnt received any info from them ... XXXX XXXX XXXX I spoke w/superviser who wouldn't give me his complete name only ( XXXXXXXX ) who said I could go to a td branch to obtain the info.. but at the bank, they said to call this #.
I had originallydone a survey on line, + was offered a free gift but told to give name address + card info for only shipping fees. I received a set of ear buds which quality was very poor. I later was billed {$100.00} so I called the ph # listed on my bill.. the girl said that there was a free trial per and if not returned, I was billed.. she readjusted the charge to {$20.00} + shipping and I told her not to send anything else as I saw 3 shipping fees ... she explained their wasn't anything else coming from her Co. I kept getting charged w/various amounts which I tried disputing, but kept getting reversal on my credits ... it has cost me XXXX + I have no idea what the supposed items were. I tried calling the ph # 's they had Givin to me, but all of them were disconnected # 's and I had no recource to contact anyone. I canceled my card + received a new number, but still was charged. The name of co was ( XXXX XXXX XXXXXXXX ) I have no idea what it was supposed to be and asked for documentation of there findings to find that there was no fraud w/their decision.. but after 2 times they told me they sent out.. I never received anything.
|
| 07/27/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Target XXXX XXXX refuses to tell me when the account 's available credit line will reflect a large payment I made to my Target store credit card account.
I paid {$1400.00} to my Target store credit card on XX/XX/2021 via an ACH debit to my bank account using their online payment service. The payment posted timely and reduced my outstanding balance. However, the payment did not increase the account 's available credit at the time it was posted. I understand that large payments are not always made available immediately but I want to know when the payment will be made available.
After nine calendar days the card 's available credit still was not increased, so I sent a secure message requesting the date on which that would occur. They responded that payments are sometimes held and offered to schedule a conference call with my bank to confirm the ACH has settled. I replied, informing them that they did not answer my question and clarified the information I was looking for. In their reply, Target XXXX XXXX repeated that they sometimes hold payments, stated they are allowed by regulation to hold payments, were in the final stages of confirming the payment, and informed me the only way to make the credit line available was to schedule a conference call with my bank. They still did not answer my question.
To be clear, I am not complaining about the length of time Target has held the payment ( although it is on the long side of being reasonable ). I am complaining about Target XXXX XXXX 's lack of transparency, arbitrary way of handling payments, and unwillingness and/or inability to answer a consumer complaint.
My correspondence with Target XXXX XXXX is attached.
|
| 06/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My credit was damaged by a delinquent payment was due to a company error by incompetence, not a missed payment by me.
Explanation : I often had trouble logging into the company website to make payments. Every month the system did not recognize my password and it would make me create a new one. In XXXX of 2020 I was not able to log into my account ( as usual ) to make a payment so I called to make the payment by phone. I also asked to Cancel my card due to the inconvenience. I was told during this call that I could go into the store to pay it, but this was not convenient at the time. I requested to pay it by phone and thought that it was taken care of. I requested a Cancellation confirmation, but never received one.
The following month I received an email that my payment was due. I called to ask why I was receiving the email because I had closed my account. I was told that my account was not closed because I had a balance that was not paid off. ( Their report shows a balance of {$8.00} that was added to my account AFTER I closed it. ) I attempted to resolve this and once again requested a confirmation that my account would be closed.
The following month I received another email about a pending balance on the account. By this point I was very upset and requested to speak to a manager to resolve any pending balances and close the account immediately and provide immediate confirmation of closure.
The balances that I was accused of owing and missing payment were added to my account AFTER I had paid and requested for it to be closed. I had to call multiple times to get this resolved as several people failed to properly apply my final payment and close the account.
|
| 04/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I settled an account with XXXX through the debt collector XXXX XXXX XX/XX/XXXX, account cleared payment on XX/XX/XXXX, and I have called and called and requested that my credit report is still not showing balance of 0 after settling. They have not sent an update to the credit bureaus. On top of that I have a pending mortgage and they are requiring a letter stating that account has been settled with XXXX. I have called several times and they are refusing to provide me a letter stating that it is settled. The verbiage is reflecting that it has been settled pending clearing of payment which was cleared months ago. I have spoke to several XXXX representatives and requested to speak to supervisors and nobody is helping. This is delaying my process in purchasing a home. I need someone to do something. I need a letter stating account has been settled with 0 balance, without extra verbiage implying pending payment.
Also, I settled another account with XXXX XXXX XXXX with debt collector XXXX XXXX End of XXXX, payment cleared on XX/XX/XXXX. I have called TD Bank USA several times and have not been able to speak to a person to obtain a letter stating account has been settled and cleared. I received it from the debt collector but I am need one from the creditor stating it is cleared and settled. No response from them at all. Automated system leads you in circles. I need a letter asap and mailed to me. My credit report is also not reflecting a {$0.00} balance. I have not received not one letter from TD Bank USA stating the account has been settled.
These accounts were paid months ago and I should be able to obtain these items from the creditors. Accounts were resolved.
|
| 03/18/2017 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
I was suffering a XXXX hardship since XX/XX/2016, but was able to somewhat maintain my bills. I began to fall behind when my condition got worst around XX/XX/XXXX. At that time I started to fall behind on my Target MasterCard credit card payments. Around XX/XX/XXXX I called target to ask for assistance regarding my bill and be placed on a hardship payment plan. During that time I was very XXXX. When I did get better I called to resume the payment plan. I was placed in one and began payments. Around the end of XX/XX/XXXX I was informed my card was closed which came as a shock to me because I was never informed of this decision. Since then I have n't been able to get a straight answer to why. I was told it 's because I was 60 days late. I went over the terms and conditions of this card and no where did it say my card would be closed after 60 days. I 've asked numerous times to be sent the letter they said I was sent informing me of the card closing and the terms and conditions I was told numerous times it was coming- today I received a package of prior statements in the mail, no terms and conditions and no letter. I 'm extremely XXXX. I also keep being reported to the credit agencies even though I 'm on a hardship program. Finally, I spoke with an account manager yesterday I was told I was actually 90 days late and that 's why my card was closed, this is the first time I 'm hearing this everyone has said I was 60 days late and my credit report says the card was closed for being 60 days late. I feel like I 'm fighting a big corporation and dealing with rude account specialist who are refusing to help me. I 'm still XXXX and the XXXX of this is weighing heavy on me.
|
| 01/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
There was no box for exactly what TD Auto Finance is doing. This is for Vehicle : 2021 XXXX XXXX XXXX, Account # : XXXX.
I signed up to use AutoPay for my new car loan and then wanted to verify that the the initial loan amount was what was on my contract and could not see that information in their online system, nor could I view statements. I messaged them online and they kept saying they were attaching documents but they did not, so I would message and request again and finally 2 calls back but the rep did not identify who she worked for ( XXXX XXXX ( SP? ) XXXX or what options to push when I called back - there was no option to connect to her extension on the number she gave me to call back to.
Finally when I messaged back and said I was filing a complaint a supervisor called and said in order to be able to view/see my account detail online I could not be enrolled in Autopay, so she removed me and then informed me that I would have to manually make payments if I want to see my account detail online at any given time.
Trying to view statements after the supervisor removed me from ebilling I am greeted with this message - so I still can not see my statements : eBILL STATEMENTS SUMMARY ACCOUNT : XXXX Congratulations! You are eligible to enroll in TDAF 's eBill program. Please click " Sign up for eBill '' below to continue.
Feel free to contact us if you have any questions about the status of your account.
I should not have to go back to having to send payments in via the troubled USPS just because their system is not set up to allow a customer at any given time to see their loan information. This HAS to be in violation of some consumer finance policy!
|
| 07/10/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
We were told that our equity loan of 10 years with interest only monthly payment was to expire and that we would need to pay both P & I for the next ten years, {$2200.00} per month. When discussed with the bank they suggested we wait till the first payment due and then request a modification which we did. ( see attachments for correct dates etc. and communications ) on XX/XX/2018. at the bottom of the form it stated we would have a result in a week, well we tried and tried to get an answer and finally after threats to them got a refusal for a modification based on insufficient income in XXXX.
My wife and I have been customers of T D Bank for over 40 years with all our accounts there, never missed a payment to them for anything. we have no other debt but for monthly credit cards and all paid in full each month. our credit ratings are XXXX for each of us.
Understand we accept the fact that they could do this refusal. it is amazing that they would think that we could pay {$2200.00}. but refused to give us a extension for the interest only loan with a payment of some {$600.00}. P/M. We did make 2 of these {$2200.00} dollar payments just to keep our credit rating while waiting for an answer to our request which we should have had by XX/XX/XXXX, 5 to 6 days per their modification document. Finally in XXXX they refused to give us an extension or a new loan with interest only. My wife became very sick over this and worried about the destruction of our credit ratings.
We went to another local Bank and were given a loan in 2 days to pay off T D Bank. This delay and refusal should never have happened this way and should never happen to any others with like conditions.
|
| 02/23/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I had a late fee on my XX/XX/XXXX bill. I have been displaced from my home for XXXX months and living in a hotel for the last 5 months. Mail still goes to my primary address but with the displacement sometimes things get misplaced. As what occurred with my XXXX card bill ( redcard ending in XXXX ) -- Called XXXX today XX/XX/XXXX and they will not refund the fee since they refunded a previous fee -- even though anytime I was late I immediately paid the balance in full.
Spoke with a supervisor and she stuck to the letter of their policy and would not allow a fee reversal, I promptly closed my account with XXXX. I use this card a few times a year and frequently shop at XXXX but that will no longer be the case. The {$15.00} I saved is not worth the {$29.00} late fee.
It is amazing to me that they would rather loose a patron of their store and a loyal customer than reverse a {$29.00} fee. I have been in Financial Services my entire career and worked for several banks and manage Customer Experience and Call Center teams and I would never turn down a customer request that wanted to close their account due to a fee.
The scrutiny banks have around nuisance fees should extend to store cards -- they seem to care even less about good service. Especially for customers that explain their extenuating circumstances. Also I wanted to on online and setup auto payment of my minimum due but my card is packed away with many of my personal things and I can't otherwise get my full account number and it is needed to go online to set this up and include on the form they wanted to mail me! So they do little to assist customers with setting up auto payments to avoid a late payment.
|
| 03/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I purchased two pieces of furniture from Raymour & Flanigan in 2019, at two different times, but both times using a promotional program that allowed me to pay over time and be charged no interest if I paid the balance in full before the due date. Every time a bill came I paid much more than the minimum due, with every intention to pay both items off on time and incur no interest.
I discovered today that the item I purchased first did not get paid down in time and that I had incurred {$89.00} in interest charges. I called the bank ( TD bank, apparently ) to inquire and they told me that every payment above the minimum was applied evenly to the two items, and that if I had wanted the overage to be applied to the earlier purchased item I would have had to call them and ask them to do that. So notwithstanding that the principal balance on the first item was only {$46.00} and I had paid much more than than over the minimums on each bill my total bill for that item was now {$130.00}.
I believe that I was the victim of a deceptive business practice, and that they have probably been doing this to a lot of people in order to maximize their fees. I had every right to expect that since I was receiving one bill and making one payment that they would be applying the excess payments to the first-maturing item. That they did not, and instead applied my payments so that they could charge me interest, is outrageous and fraudulent. They failed to clearly disclose that I would have to call them to have them apply my excess payments rationally. To me that's an omission of material fact necessary to make the statements they made about their promotional program not misleading.
|
| 04/20/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
In XXXX I made my payment to early and it created a 30day day late. When I called to ask why XXXX did not notify me by phone or in writing that I was late. I was told that due to I had E-Statements they only send an email. I never seen a email from XXXX, it may have went to my junk email or was deleted thinking it was advertisement.
To correct the issue I removed myself off E-statements so if this happened in the future I would be contacted via phone or mail. In fact I think email should not be allowed.
XXXX corrected the issue by adjusting my payment and refunded the fees and interest charges. - When I check my credit report the late fee had been removed.
Forward to XXXX - checking my credit report and I see a 30day from XXXX in XXXX. I call XXXX they state I would need to re-dispute in writing, I sent my dispute in writing with a copy of the letter they sent me on XX/XX/XXXX.
Letter Stated : Good news - I've credited your account to resolve this dispute. The credit cover the XXXX you disputed as well as any applicable fees and interest charged. You'll see the credit on your next statement. I'm Glad I could take care of this for you.
Thanks XXXX XXXX XXXX XXXX XXXX ext XXXX.
My New dispute was declined - - It is rejected stating the only fixed the payment and that late payment will stand. They also stated they XXXX has a right to send late payment notification to email.
XXXX only keeps there statement online going back to a few months- so I was not able to get the corrected statement. - Nor did XXXX provide documentation.
I would like target to remove my only late payment with them in XXXX. There Good News letter was misleading as a consumer.
|
| 12/17/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
TD Bank has charged me XXXX overdraft fees on XXXX/XXXX/16 for {$35.00} each and XXXX internal transfer fees for {$9.00} each, stating my account was overdrawn when XXXX outbound internal account transfers were executed, however on XXXX/XXXX/16, the account was funded with {$100.00} and the credit posted on the same day the account transfers posted, leaving the account with a sufficient balance to cover the overdrafts on the same day the transactions were placed, therefore no overdraft fees should have been charged and can not be justified. This account is not enrolled in overdraft protection, and td bank is not supposed to approve transactions exceeding the account balance. In regards to the transfer fees, TD Bank is charging these fees for regular day to day account activity which is unjust and unfair to the consumer. The XXXX transfers that were performed were XXXX transfers into my checking account and XXXX transfer into my savings account to cover a XXXX dollar negative balance. I should not have been charged transfer fees and overdraft fees totaling XXXX in 1 day for performing transfers to keep my account balances positive in good faith. The overdraft fees are my primary concern because no overdraft ever occured and the account had sufficient funds on XXXX/XXXX/16. When I asked customer service to waive the fees, they denied my request as if I was asking them to waive the fees as a courtesy. I am not requesting a courtesy refund. I am requesting a refund on grounds that my account had sufficient funds on the day the transfers were executed. still, the bank continues to implement ways to profit from the customer for normal day to day account activity.
|
| 11/09/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
I have a $ XXXX HELOC with TD Bank and borrowed $ XXXX against it for appromixately 1.5 months. I paid {$150.00} of interest when I paid back the principal and was susequently billed for an additional {$130.00} of 'residual interest ' and dunned repeatedly by staff for late balance. Nowhere in the online transaction history is there an accounting of how interest is posted or calculated so that I can determine if it is an appropriate amount to be charged before paying. The interest owed is not posted on online transaction history. Together these interest amounts seem high relative to the period the principal balance is outstanding. And without these details posted the customer has no transparency to determine the fairness. I have no ability to determine if they are charging me for amounts in excess of the time period for which the principal balance was outstanding or using some other deceptive practice to create a higher than 8.7 % effective APR.
I am now waiting for a " payoff statement '' to come in the mail, so that I can determine how this additional interest is calculated before paying. TD says they are unable to email me this information. And as previously mentioned, it is not available in the online transaction history.
When speaking to the customer service rep she acknowledged that there has been a lot of " complaints '' about this. It doesn't seem reasonable that a product can go to market that assesses interest without clear and transparent methods posted in the online transaction history. Especially coupled with aggressive collection methods, posting of late charges, and written notices that they will report delinquencies to credit bureaus.
|
| 06/07/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
On XX/XX/2021, I made a wire transfer from my XXXX XXXX account to my personal checking account in TD Bank for {$82000.00}. I then made serveral transfers ( {$9000.00}, {$5000.00}, {$3000.00}, {$6000.00}, {$3100.00}, {$32000.00}, {$2500.00}, {$17000.00} and {$3000.00} ) equaling to the {$82000.00} from my checking to my savings account. A couple of days later, I tried accessing my account online and I was unable to. So, I went to my local branch ( XXXX XXXX XXXX. XXXX XXXX, FL XXXX ) and was informed that my account was under investigation. I have gone to the bank weekly since then and called their customer service line some many times I have lost count. I have tried talking to the manager of the branch and escalate the complaints they filed every time I go but nothing has happened and no one is able to provide any kind of information or assistance. It has been over three month and I have not receive any response. I have asked if they could release at least some of the funds but I have not receive any help or assistance. I routinely used to transfer my earnings from my XXXX XXXX account to my checking and savings account, so this is not the first time I receive funds from them. In the past, TD Bank froze my account in a similar situation ( but with a lower amount ) and the funds were released within a month. I dont understand why they are taking so long and Im not allowed to have access of at least a portion of those funds. Honestly, besides freezing my accounts, it is unconceivable the lack of customer service and assistance clerks at the bank can provide. I am in desperate need of those funds and would like to know if you can assist me with this issue.
|
| 12/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
To Whom It May Concern/ Dear Td Bank XXXX XXXXXXXX XXXX I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft.
You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ).
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft.
Td Bank XXXX XXXX XXXX XXXX XXXX XXXX Reason : Identity Theft This account has been previously been disputed and you did not deleted required under FCRA XXXX
You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible.
THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above.
Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : - Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX XXXX XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.
|
| 02/17/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
I filed Chapter XXXX in XXXX XXXX, and my case was discharged on XXXX XXXX, XXXX. TD Bank XXXX was included in my Chaper XXXX and was paid in full by the Trustee for my car loan. I called TD Bank on XXXX XXXX, XXXX to have my car title released to me. I spoke with numerous customer service reps. who assured me that it will sent to me. I finally received it in XXXX XXXX. I have been trying to get incorrect information on my credit report removed since XXXX XXXX, XXXX. TD Bank XXXX is reporting that I have been 30 days late for XXXX and XXXX XXXX. I have been working with XXXX in the Bankruptcy Department since XXXX XXXX, XXXX to get this corrected. She was able to get my title finally sent to me in XXXX XXXX. I have not been able to have these false late payments removed as of yet. Per TD Bank XXXX, they have 30 days to remove this information. Thirty days have now passed and I am being told that they have corrected the information in my credit file and to just wait. I have called XXXX, pulled my credit report and to date the corrections have not been made. They also had another account on my credit report and removed it in two days because I only had XXXX account with them. This too was a mistake they made, but corrected it in a timely manner. I was not discharged until XXXX XXXX, XXXX and can not be reported late for XXXX, XXXX XXXX. They have explained that this is indeed their mistake, but have yet to correct it within 30 days. My patience has been exhausted and I was told to call a week from XXXX XXXX, XXXX and they will look into it. XXXX XXXX would be a week past the 30 days in which I was told it would all be cleared up. Thank you for your time.
|
| 07/09/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I previously filed a complaint with the CFPB # XXXX. XXXX and XXXX XXXXXXXX XXXX TD Bank both agreed in a letter from TD Bank to me dated XX/XX/2023 to resolve the issue with the damaged door panels on my new refrigerator they damaged at delivery after I filed a complaint with the CFPB. XXXX XXXX, XXXX TD Bank issued a small credit of {$380.00} credit which is basically is the late fees they have charged me for not paying for a damaged refrigerator that XXXX would Not honorably take care of. In the same letter dated XX/XX/2023, They stated XXXX has agreed to issue me new panels that they damaged at delivery and all 's I needed to do was contact XXXX to order the panels. Around the same time period we received an email from XXXX stating we are eligible for free door panels. When we add them to our shopping cart and entered our address the panels all of a sudden become unavailable to our address. We made over a half dozen calls to XXXX to try to get the panels replaced, Hours on the phone. One time we were able to speak with a rep who tried to order the panels for us and he said they were available, yet when he put them in the shopping cart and entered our address in the system, again the panels became unavailable. It is apparent they have us BLACKLISTED. This situation has caused great duress to my family. I was willing to accept the low monetary credit from TD as long as XXXX sent us new panels just to move on, BUT AGAIN THEY FAILED TO TO THE RIGHT THING. Now my credit score has gone from XXXX down to XXXX. This is just unacceptable that my perfect credit has been damaged over a refrigerator XXXX and TD Bank will not own up to and do the write thing.
|
| 08/04/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I opened a XXXX XXXX Credit Card account in XX/XX/XXXX. 3 months later when the company didn't credit me the correct amount of rewards that they advertised when I opened the card and after having a bad customer service experience, I requested that they shut down my account because I won't be dealing with their company anymore. And so the account was shut down on XX/XX/XXXX, and I shredded my card and obviously never used it subsequently.
Months later in XXXX, I receive a letter from them saying that I have late fees on a charge that was made on this account from XXXX XXXX XXXX 's on XX/XX/XXXX for the amount of {$27.00}. A charge that I never made! To even double check, I reviewed my order history at XXXX XXXX XXXX XXXX and I didn't find any orders that were made on that transaction date or for that amount.
I contacted TD bank 's customer service to dispute the charge amazed at how somehow the card could still be charged even after the account was shut down?! They let me know that the charge will be disputed.
Today on XX/XX/XXXX, I received a letter saying that after investigating the charge, they determined the charge was valid and reversed the credit on my account because apparently the shipping and billing of the charge were my address.
But I never purchased anything on that date or for that amount or even mistakenly received anything from the dept. store!!!
And It's their mistake for allowing a charge to be made on a closed account and they refused to transfer me to the fraud department.
I had this card for all of 3 months and I never as much trouble with a credit card as much as this one or dealt with such an incompetent customer service!!
|
| 04/29/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Older American |
|
MY SON CALLED ME ON XX/XX/XXXX AT XXXX XXXX HE SAID HE WAS JUST IN AN ACCIDENT, THE POLICE TOOK HIS PHONE AND HE COULDN'T TALK BECAUSE HIS NOSE WAS BROKEN AND HE HAD A NUMBER OF STITCHES ON HIS LIPS. HE SOUNDED LIKE MY SON THOUGH. HE SAID HIS LAWYER FROM LEGAL AID WOULD CALL ME. THE ATTORNEY CALLED ME ABOUT XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX. I WAS CONTACTED BY XXXX XXXX WHO SAID HE WAS WITH LEGAL AID IN XXXX XXXX. HE STATED MY SON WAS IN AN ACCIDENT AND NEEDED TO POST BAIL ON FRIDAY MORNING TO BE RELEASED AFTER HIS HEARING. THE BAIL WAS XXXX $ BUT I COULD WIRE THE MONEY TO A NEW JERSEY BANK ( TD BANK ) TO THE LEGAL AID PERSON WORKING WITH THE XXXX XXXX COURTS. HER NAME WAS XXXX XXXX, HER ACCOUNT AT THE BANK WAS XXXX XXXX XXXX ROUTING NUMBER XXXX ... I WIRED THE MONEY AT XXXXXXXX XXXX FROM MY BANK, XXXX BANK IN XXXX. MY SON SUFFERS FROM XXXX FROM 23 YEARS SERVING IN THE XXXX. I DIDN'T WANT HIM TO BE IN JAIL. THE ATTORNEY SAID HIS BAIL HEARING WOULD BE FRIDAY XXXX XXXX AT XXXX AM.. XXXX XXXX XXXX THE ATTORNEY, CALLED ME AFTER THE HEARING WITH NEWS THAT THE JUDGE WOULD SIGN A RELEASE BUT THE OTHER PERSON IN THE ACCIDENT WAS PREGNANT AND SHE MISCARRIED. SHE WOULD DROP ALL CHARGES IF I COULD SEND XXXX $ TO COVER MEDICAL. I GOT SUSPICIOUS AND STARTED RESEARCHING XXXX XXXX COURT CASES AND DETENTION FACILITIES AND COULDN'T FIND MY SON 'S NAME ANYWHERE. THE LAWYER JUST CALLED ME AGAIN BUT I LET IT GO TO VOICE MAIL. PLEASE ADVISE AS TO WHAT I CAN DO TO RECOVER MY MONEY. I CALLED TD BANK AND THEY COULDN'T DO ANYTHING WITHOUT THE PERSON TO BE THERE TO OPEN HER ACCOUNT. MY BANK WARNED ME BUT I WAS SO WORRIED ABOUT MY SON I SENT THE MONEY ANYWAY. HELP PLEASE
|
| 09/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
TD BANK COMPLAINT XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX My father in law is doing a refinance with TD BANK. He was dealing with a XXXX XXXX, and his Loan Officer Assistant XXXX XXXX located at XXXX XXXX XXXX, XXXX, XXXX XXXX, FL XXXX.
UNETHICALLY and in violation of RESPA Documents were sent to my father in law, by email from a XXXX XXXX, a XXXX and other items which are filled out incorrectly.
My father in law paid for an appraisal already which is wrong because he never signed documents in reference to this refinance.
The XXXX shows the loan as a primary residence which is wrong because it 's an investment property, and its showing my father in law, cash to close of {$2800.00}. The loan amount is wrong and is deceiving to show a LOWER loan amount of {$180000.00} even.
Page XXXX of the XXXX, the DECLARATIONS section XXXX is filled out incorrectly.
The loan amount is wrong and shows a much lower amount which is deceiving.
Documents were sent by email BY XXXX XXXX and loan officer assistant to XXXX XXXX. The email enclosed by PDF documents to sign, which included a XXXX.
This is wrong and is out of compliance per RESPA.
My father in law paid for an appraisal before ever E-SIGNING or receiving document 's for the refinance.
I have attempted to call XXXX and speak with a manager but no one is calling me or my father in law back. XXXX XXXX has not been able to be reached by phone. I have spoken with a XXXX XXXX who has been rude with me as well, and has prevented me from speaking with a manager also.
It seems to me everyone within this location is protecting each other and no one wants to take responsibility for this UNETHICAL behavior.
|
| 11/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I recently received correspondence from CFPB informing me that they closed my complaint submitted on XX/XX/22 because they believe that someone other than myself submitted complaint # XXXX, which is not true at all. I am asking for this case to be re-opened and investigated. I will include a copy of my ID for proof of identification since this is the stated reason. I would like for the CFPB to take this seriously and not continue to send stall letters. Per my last complaint, TD AUTO is reporting late payments, but the information is inconsistent between the 3 credit bureaus. They were notified twice to validate this debt that is reporting on my credit report, but they have failed to do. I will attach a copy of my credit report to show the inconsistencies between all 3 bureaus. How are you reporting different information for XXXX, XXXX, and XXXX when the data furnished should all be the same? I have tried to have this information corrected for over 6 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and the account to be updated to paid as agreed. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments. I will include the letter as well as the time stamp. Please conduct a proper investigation and update this account. My email is XXXX.
|
| 06/20/2017 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
TD Bank XXXX XXXX XXXX deducted USDXXXX from my savings account for an international wire to my overseas account, but it never arrived. On XXXX XXXX, I went to TD Bank in XXXX XXXX do a wire transfer for USXXXX to my account in XXXX XXXX XXXX The money was deducted from my savings account. They said it will be there in 3-5 days. But it never arrived and I called TD Bank several times as they performed an investigation. Without giving any explanation on what happened, they said they wired the money XXXX XXXX or two weeks later, and that it would appear in my account XXXX XXXX. On XXXX XXXX, the money is still not there and I called them again. They said XXXX XXXX has confirmed that they 've received it and I just need to wait for the latter to show the money in my account. I called XXXX XXXX and they asked for a reference number to identify if money has indeed been sent by TD Bank in XXXX. I called TD Bank in XXXX for the nth time, and they said the money was never deducted from my account - I promptly reminded them that the deduction appears in my account. So now, while on the call, the customer service representative is finding out what 's happening. She 's 5th one I 've spoken to, and each time the story changes. This last one did n't even know the very first thing about the complaint - the money was deducted, but was n't received. It 's been almost a month and my XXXX XXXX dollars is still missing. UPDATE : Customer Service just came back to say XXXX XXXX returned the money due to an erroneous account number, but after conversion rates, only USDXXXX was returned to my TD bank account. I basically paid USDXXXX for a service they did n't perform.
|
| 02/25/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
We opened a joint checking account with TD bank in XXXX XXXX XXXX, Florida in early XXXX. When we opened the account we were told by the branch personnel that a 30-day hold would be placed on our deposits because we were a new customer to them.
More than 30 days has elapsed since we opened the account and the bank is still holding our deposits, and not giving us an adequate explanation for the holds. We are now unwilling to deposit any more money into this account because of the arbitrary hold policy ( whatever it may be from day to day ).
We deposited 4 checks ( total deposit {$5900.00} ) on XX/XX/2020. We have a receipt showing the deposit, along with copies of each check. One of the checks ( amount {$4200.00} ) was from my Pension custodian ( XXXX ). We have been informed by the local branch personnel that TD bank 's internal bank Fraud Operations department took issue with this particular check for some reason, but capriciously placed a deposit hold or the entire deposit amount. We have received a letter from that department to this effect, and have discussed the matter with the local branch personnel to attempt to get it resolved. As of this date the hold remains in place, in spite of the fact that the check has long since cleared the Federal Reserve System.
The local branch personnel are sympathetic but unable to effectively negotiate with the Fraud Operations department to resolve the issue.
What are my options for recourse? When will the bank stop subjecting us to unreasonably withholding access to our funds? I have no confidence that this bank will fairly treat us in the future, and we plan to move our account elsewhere immediately.
|
| 12/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
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I have a Checking account with TD Bank, and on XX/XX/XXXX I had funds in the amount of XXXX dollars in the account. On that same day a check was debited out of my account for XXXX, and a pending transaction for {$48.00} leaving XXXX in the account. On XX/XX/XXXX funds were debited out of my account for XXXX dollars, which of course sent the account into overdraft which I understand. An over draft was assessed to the account on XX/XX/XXXX and I then deposited XXXX dollars into the account on XX/XX/XXXX. Now this is where it gets interesting, also on XX/XX/XXXX that same fee for XXXX dollars that was PENDING and already debited out of my account is posted and TD charges an overdraft fee for this! So I am being charged an overdraft fee 2x for the same transaction, or being charged for what I see as incredibly unfair lending practices. To rehash XXXX is the amount in the account and a rent check comes out for XXXX, and there is a pending charge of XXXX, leaving me with XXXX dollars roughly. Then XXXX is debited out of the account and I am XXXX dollars in the negative, thus a XXXX dollar overdraft. However, immediately after this TD now fully recognizes the XXXX dollar charge which was pending and Overdrafts me again. What TD did was hold the XXXX, so when the XXXX was withdrawn I became overdrawn and was assessed a XXXX dollar fee. Then TD no longer holds the XXXX and even though the funds were already accounted for I get another charge how this possible? If this XXXX dollar charge was debited out of my account and is what caused the XXXX debit to be a negative balance, then how can it also be added to my account in NAME only and I be charged again???
|
| 08/15/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
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Web |
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In XX/XX/XXXX, I found an online promotion from TD Bank, NA that promised a promotional credit for opening a new primary checking account on line. I followed all the prompts to open the account, but was presented with a message saying that I must visit one of their branches to complete the process. The next day, I went to the TD Bank office on XXXX XXXX, XXXX, MA. I spoke to a manager and someone who said he was a regional branch manger. I explained my online experience and made it clear to them that I would only open the account if I were to receive the promotional credit. Both told me I would receive the promotional credit upon completion of the opening process, and a 90 day waiting period, even though I was not able to complete the process online. I opened the account, had my pension check designated for direct deposit, and opened a credit card and a money market account. After 90 days, I went to the branch and asked for my promotional credit. I was told that was a separate department and that they would speak to that department on my behalf and give me a call. I heard nothing after 30 days, so I went back to the branch only to be told the same thing. I waited another 60 days with still no reply. I went back to the branch and asked why they were not following through with their promises of customer service. I was then told that the promotional department had denied my request for a credit. You can image how this made me feel. I am now reaching out to the CFPB for help. I can only image that this same experience is being repeated across the country. It is a shame for this large bank to be praying on senior citizens in this way. Please help me.
|
| 01/11/2016 |
Yes |
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Web |
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I applied for and received a TD Cash Rewards XXXX XXXX credit card in XXXX XXXX. On XXXX/XXXX/XXXX I received the card in the mail. The letter I received from TD Bank stated that I would earn 5 % cash rewards on eligible retail purchases ( defined as dining, grocery, gas, cable, phone and utility bill payments ) during the first XXXX billing cycles, up to {$450.00} cash back ( a copy of the letter is attached ). When I called to activate the card I was also informed that if I spent {$500.00} in the first 90 days I would receive a {$200.00} cash bonus and a XXXX Galaxy Tab 2 tablet. I received my first statement on XXXX/XXXX/XXXX and did not receive the 5 % cash rewards I was promised. I called TD Bank on XXXX/XXXX/XXXX and spoke to Floor Supervisor XXXX XXXX. I was told that the card had been " coded incorrectly '' so I was only receiving 2 % cash back on " eligible purchases '' ( defined as dining, grocery, gas, cable, phone and utility bill payments made using the card ). XXXX XXXX told me that the account would be recoded and that I would definitely receive the 5 % cash back along with the {$200.00} bonus and tablet. She said that she would call me back in 7-10 business days. I contacted TD Bank again on XXXX and was told that XXXX XXXX had not received a response from corporate and that I would hear back within 5 business days. I received my second statement on XXXX/XXXX/XXXX and again did not receive the correct 5 % cash back on eligible purchases. I spoke with TD Card services on XXXX and was told that XXXX XXXX had still not received a response from corporate and was resending her email to them. At this point I have exhausted my patience.
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| 11/18/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am filing a claim because I Placed an order with my XXXX XXXX that is issued by TD Bank. I placed a XXXX Order # XXXX, and the package was lost with XXXX, and then the box was delivered with obvious signs that my box was tampered with. XXXX is refusing to give me a refund on the order because they packaged the XXXX watch properly. They may have packaged the item correctly, however, my watch was stolen, and what was delivered to my home was a box of paper clips. For the past three weeks, I have asked XXXX to provide me with a waiver for XXXX or process a claim with them, and they have refused to do so. XXXX has stated that the proper protocol is for them to reimburse me, and then file a claim with them so that they are able to get their money back through XXXX. Or they are able to provide me with a waiver so that I can deal with XXXX directly. XXXX has stated that I am not their customer. They have a contract with XXXX, and I did not pay for shipping so everything is relying on XXXX to contact them and they have refused. In the meantime, I am a customer that does not have an item that I paid for. I am not offered any protection through my XXXX Card, and I reached out to TD Bank because they appear on my credit report. I have contacted XXXX Several times to provide a waiver, but the bottom line my credit card should have some type of protection, and since TD Bank has issued the credit card they should be able to look into it. I called them and they refused to talk to me saying they do not service XXXX Credit Cards anymore, however they are responsible because I got the card through TD Bank, and they are still reporting on my credit report.
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| 05/22/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
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Web |
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Ive had the Target credit card for several years before they closed my account. Four years ago I lost my full-time job so I was struggling with keeping up with payments. Up to this point I didnt have any problem paying the bills on time.
Ive contacted the company several times during my financial hardship and kept on stressing that I do not want the account closed, but that I would pay off whatever was on it ; there wasnt a lot. I told them I would keep sending money in, and not use the card, until it was paid in full. Consumers are always told to stay in touch with the creditor, and I did. They kept on assuring me that I was doing the right thing by staying in contact with them, sending in payments even if it didnt cover the monthly amount, and that my card would not be cancelled.
A few months after I had gotten my balance down to XXXX, and paid off everything ( even the late fees, etc. ), they send me a letter that they cancelled my card. My credit score was climbing back up, and I get hit with this! They gave me the form letter about my credit report saying that I have too many derogatories and too many accounts past due. Now my credit score has gone down because of the nonsense these companies are allowed to create. Now it will be more difficult for me to establish new credit if I need to because of their poor business practices.
My credit history with them has definitely been extremely good until I lost my full-time job. I now work three part-time jobs and am becoming more financially solvent. This should count for something!
They lied, their business practices do not keep the consumer in mind, and something should be done to them!
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| 03/06/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
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To who it may concern at the XX/XX/2019 two days before my credit card due date i called my own credit card bank seeking for an extension of 14 days to make my payment due the government shut down but instead they help me they decided to revoke my account and closed it permanently.
This big bank has abused their power against by closing my account with them without any valid reasons but me seek for two week extra to pay them due the government ' shutdown and totally stripped me from all points that earned from using my own hard working money. At the XX/XX/2019 i and after i made my payment of 1000 $ to them I received a letter from Td bank saying that they revoked and closed my credit card account that I had for nearly three .and I've never missed a single payment and my account always been in a good standing payment for three years .Also, they are refusing to let me used my earned points by all means please help to stand against this unfair bank who his dealt with with nothing but rudeness and unjustness every time I called them to seek for my stolen points by them and ask them for explanation why did they closed my account but they never wanted to help or answer any of my question .nevertheless, by they closing my account they hurt my credit score badly and this show the luck of fairness and professionalism. and how this big bank use us to get as much of fees and interest and after they done they just close the account but never give the fess nor the interest back to us giving the fact this credit card has charged me the last three years totally 2500 $ in fees and interest please help me the hard worker people like me to stand against them.
|
| 04/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Company XXXX XXXX XXXX law firm had me sign a stipulated agreement and through the process of paying my debt they would only accept check, money order or checking account number, no debit transactions. I tried with checking account number which in the beginning was ok but then I fell back on payments and they said it was in their policy to have to receive two checks before they can reinstate accepting payment through a checking account number electronically. I then asked why I couldn't just have them run it as debit, they said that's how their business is set up. I was told by their debt collectors at XXXX XXXX XXXX that I may call the original lender to pay my balance through the lender since XXXX XXXX XXXX is the third party. I called the lender and they said the account is closed and XXXX XXXX XXXX is handling the account now, but why if XXXX XXXX XXXX is defending td bank USA ( lender ), wouldn't the account still be open and it is my debt, and why need a third party? I've tried paying with money order after the problems I stated above and after four or six money orders sent, the last money order got lost in the mail. I had to cancel the money order and the money order charged a fee to process the lost money order and returned partial of what I sent to XXXX XXXX XXXX, this also made the payment late. XXXX XXXX XXXX also lied about me having more time to pay before the agreement ended which I never got in writing, and then they said I didn't have enough time the next call around. I can't trust XXXX XXXX XXXX and I want to have the lender open the account again so I can easily pay my debt electronically with debit and not a third party.
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| 06/04/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
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Web |
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On XX/XX/2020 a transfer for XXXX was executed from my td bank acc. Thru XXXX the app. When i got aware of it i contacted customer service and informed them about the situation. They took all the inf. And told me that they were going to transfer my call the the fraud department and after 1 hour the call got hang off. This was on XX/XX/XXXX. I called the next day and explained the operator what had happened and he told me that he saw the notes and that by monday XX/XX/XXXX the money should be in the account. Today wednesday XX/XX/XXXX i called again to td bank and they transfer me to the fraud department and now they are telling me that they concluded that the transaction was made from my phone and they cant do nothing about it. Now im a 100 % sure i didnt sent the money. I dont know the person the money was sent to. Even know the person has the same last name i dont have a family or relative named like that. They know where the money went. They can contact that institution and make the person receiving the money responsable for the scam but td bank decided to turn their back. The amount was XXXX dollars. I dont understand how in this era banks are not able to stop scams like this. For me it will be easy to the bank to identify the recipient of the money because for anyone who has a XXXX account you need a bank acc. You need to submit your mame and social security so i think that for any bank will be easy to stop this type of scams and make people responsible for their crimes.i dont make td bank responsible for this but i think that they should give more protection to their customers and make companies like XXXX be more helpful against frauds
|
| 10/14/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Towards the end of XX/XX/2019, I had needed funds to prepare for Hurricane Dorian. The hurricane actually hit our city which my home and other relatives in the area. The funds were necessary for the preparation, cleanup and repair of damages experienced during this storm. This was the main reason as to why I could not maintain the {$20000.00} balance requirement of this savings product.
I had pleaded with TD Bank to provide some leniency in their " monthly maintenance fees '' that were applied to my TD Bank Select Savings Rate Bump account for XX/XX/XXXX and XX/XX/2019. After four phone conversations, six in person interactions and a discussion with their social media relations team, I had enough and decided that their response was not only inadequate, but truly spiteful. Despite being a TD Bank customer for some time and had a sizeable amount of funds in the account in that time, there was not an ounce of sincerity or kindness in their actions towards me.
Time after time again, the bank refused to waive the fees and actually ridiculed my decision to take out these funds to repair damage caused by the hurricane. Two fees are in question with this complaint : 1. XX/XX/2019 : a fee of " {$14.00} '' described as a " Maintenance Fee ''.
2. XX/XX/2019 : a fee of " {$14.00} '' described as a " Maintenance Fee. '' The bank provided no timely guidance to me as ( 1 ) how to switch over to a different product that would have lower minimum balance requirements ; ( 2 ) provide any guidance for how to refund or waive these " maintenance fees '' and ( 3 ) failed to assist with resolving my concerns, despite numerous attempts of reaching out to them.
|
| 08/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
All happened in a 3 day span.
My sister was letting me borrow {$5000.00} to get out of credit card debt and we were using XXXX to transfer money from her and her husbands bank account to mine.
The first transfer happened on Friday, XX/XX/XXXX for the amount of {$2000.00}. I quickly paid that {$2000.00}. That posted on Monday XX/XX/XXXX. She attempted to send me {$2000.00}, and I saw it go through to my bank, but it bounced back because her bank thought it could be fraudulent. When that payment came in, I payed my card off immediately and this overdrew my account.
TD Bank has a XXXX dollar overdraft fee and proceeded to charge me {$140.00} in overdraft fees and 14 maintenance fee for going under 100 $ balance. My account was back in the green Monday when my sister retransferred the {$2000.00}.
When I spoke with the bank, they returned 2 overdrafts for {$70.00} on Wednesday, XX/XX/XXXX and said because it wasn't there bank that caused the error they wouldn't return anymore of the funds.
They justified four overdraft fees because XXXX pulled 3 transactions from account on Sunday the XX/XX/XXXX for the amounts of {$11.00}, {$9.00} and {$1.00}. Each getting its own overdraft fee.
As I am trying to pay off debt, my corporate bank has fined me {$84.00} for a banking error that occurred when my sister attempted to send me money. Simply put my bank stole from me. I hope there is something you can do. I went to my bank and said I understand what happened and am willing to accept a {$35.00} overdraft fee, but they did not care. XX/XX/XXXX is the month I leave TDBANK, a bank that use to be amazing and is now huge and stealing from the people.
|
| 03/16/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
In mid XXXX I was given a check for deposit in the amount {$4900.00}. I used the TDBank app to deposit the check. Then next day I was waiting for the funds to clear and checking my account the check had been charged back. I spoke with a TDBank service representative and was informed there was something wrong with the check. They did not say what the problem was. So I contacted the issuer and they sent me a replacement check. I deposited the second check with the Mobile app. I checked my bank account the next day and the funds were still pending. The next day the pending had been removed and seeing this I called TDBank and I asked the representative if the funds had cleared. She said yes. I asked her if the check had cleared and the funds were collected because I did not want to have another chargeback experience. She told me the funds were collected and in my account. Because I was informed as such, I withdrew the funds not knowing that I was to become a victim of a hiring scam. I would not have withdrawn the money if there was any question of validity of the check. A few days later the chargeback occurred and the bank took the funds out of my checking account. They informed me the check was fraudulent. That the routing numbers on the check were fake. I was so angry because I had been informed the funds were collected, cleared, and in my checking account. TDBank did not protect me as their customer. If there was a problem with the first check why did they not have red flags raised with the second check? I am XXXX years old and I feel that I was very much misinformed by the TDB representative. I have a phone log record of my calls to TDBank.
|
| 11/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
Inquired about opening a checking account with XXXX XXXX, went in person to the closest branch to me, XXXX, CT branch, officially opened a Simple Account XX/XX/2018, account # XXXX. Communicated with XXXX XXXX, Financial Services Representative, over the phone, re : online transactions, cleared checks info, etc. learning this banks processes. On XX/XX/2018, received a call from someone from TD, did not obtain this persons name, advising me TD has closed my checking account, effective in 30 days. TD would send me closing check. Information regarding this account was provided to me incrementally, their way of blindsiding a new customer, such a typical agenda with all these banks. DECEPTIVE practices, Federal Bureaus terminology. Will follow up to get a confirmation that this, in fact, is TRUE, and not FRAUD, etc. I informed this XXXX that TD would be on a 1-3 month trial with me, having mega issues with banks these days. They want to be assured that their customer will go into debt, taking out loans, collections, messing with senior citizens accounts. Same scenario across the board with all these banks. Frankly would NOT trust or have CONFIDENCE in any of their representatives with any of their advice. Pretty XXXX how these banks function. Add this to my file with CFPB. These banks want to have CONTROL of the customers money and can MESS with their accounts, so apparent with XXXX XXXX, now in a {$140.00} million class action case, particularly preying on SENIOR CITIZENS. Many of these employees, if they are employees, are busy, nosy busy bodies, maybe a snitch for someone or XXXX knows what, not a comfortable relationship when doing banking.
|
| 11/29/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
I have a checking account at TD Bank. I opened the account about a year ago and deposited {$100.00}, which is the minimum requirement so you are not charged any fees. When I received my first statement I noticed a paper statement fee for {$1.00}. Which brought my balance below {$100.00}. I immediately contacted TD Bank and stated the paper statement fee was never verbally disclosed to me at account opening. The banker was very understanding and reversed the paper statement fee and the pending monthly maintenance fee of {$15.00}. I enrolled in online statements as well. These adjustments brought my balance back to the {$100.00} minimum requirement. I received a letter in the mail dated XXXX XXXX, XXXX which stated my account is overdrawn by {$19.00}. At first I thought someone compromised my account and withdrew the monies, but when I called TD Bank on XXXX XXXX, XXXX I was informed the funds were depleted due to the $ XXXX monthly maintenance fee that was being charged for low balance. This is the explanation I received when I contacted TD Bank. The paper statement fee was charged in early XXXX, but the reversal did not occur until a couple weeks later, so my balance was not at {$100.00} for the full month. Thus, I was charged the {$15.00} maintenance fee every month since that time.
When I took care of this in XXXX the Banker told me that I was made whole again with the reversals and enrolling in online statements and I would not be charged anymore fees as long as the balance remained at {$100.00}. Well I guess someone forgot to disclose another important fact. TD Bank has now failed to disclose important facts on two different occasions.
|
| 08/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The item on my credit report, TD Bank XXXX/TARGETCREDIT, which is a revolving credit account that has been closed, is inaccurate because the current balance of {$300.00} should now be updated to {$0.00} balance, due to a settlement agreement ( please see attached copy of settlement agreement and terms ) which I have complied with all stated requirements in agreement. The settlement agreement states that I am to pay {$250.00} on or before XX/XX/2020, to collection agency XXXX XXXX XXXX XXXX XXXX XXXX who represents TD Bank XXXX/TARGETCREDIT for the debt owed. Additionally, I was to sign and return original settlement agreement to collection agency XXXX XXXX XXXX XXXX XXXX XXXX
I made payment for {$250.00} on XX/XX/2020, ( please see attached proof of payment with date ) and have signed and returned original settlement agreement to address listed on paid postage envelope provided by collection agency XXXX XXXX XXXX XXXX XXXX XXXX that represents TD Bank XXXXTARGETCREDIT ( please see attached settlement agreement copy that I have provided for record ).
I have been unsuccessful with disputing and having the balance updated to reflect {$0.00} with all three credit bureaus ; XXXX, XXXX and XXXX. I have also reached out to Target over several months and they still have not corrected what has been reported to credit bureaus. They show my payment I made but have not complied with the settlement agreement with collection agency representing them. I have included the settlement agreement and letters sent to credit bureaus, this after several attempts to dispute remaining balance on my credit reports and reaching out to Target over several months.
|
| 05/13/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I received a letter from the debt collector, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. The letter stated that they were attempting to collect a debt for TD Bank in the amount of {$4300.00}. To dispute this false charge and account, I filed a police report, listing TD Bank and the amount owed. I was contacted by XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX on XX/XX/XXXX by a representative urging me that I needed to pay the amount owed. After speaking with my credit monitoring service, I then requested an identity theft packet from XXXX. XXXX, & XXXX in regards to the falsely opened TD Bank account. On XX/XX/XXXX, I spoke to another representative from XXXX, XXXX, & XXXX and inquired about the identity theft packet because it had not yet been received. On XX/XX/XXXX, I received the identity theft packet with the following instructions : to include a police report and file an Affidavit of Fraud under the Federal Trade Commission. I mailed the identity theft packet with the appropriate documents to the address listed by XXXX, XXXX, & XXXX. On XX/XX/XXXX, I received a letter from XXXX, XXXX XXXX XXXX XXXX saying my claim has been deemed invalid. I then called XXXX, XXXX XXXX XXXX XXXX and questioned why it was deemed invalid, to which they refused to give any information. I then contacted TD Bank to find out information about the claim that had been deemed invalid, to which I have been given zero information and placed on long holds and transferred from department to department. I did not create the account for TD Bank and my goal is to get this fraudulent activity removed from my credit reports and get this fraudulent account fully closed.
|
| 11/06/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Around XXXX XXXX XXXX i contacted TD Auto finance about an extension due to XXXX XXXX have 2 auto loans with them and i chose to only extend 1 loan. i have received several notices granting me a 60 day extension. 1st letter received dated XXXX XXXX granting the extension. XXXX XXXX received a 30 day letter, i called and was told as there were so many extensions from the hurricane the late letters are automaticlly sent but my extension was approved and my credit would not be affected. On XXXX/XXXX/XXXX i received an email from a XXXX XXXX that TD auto reported a 30 day late payment. I once again called TD on XXXX XXXX and was told the paperwork was not completed on their end and a supervisor would be corrected as soon as possible. Received one more letter dated XXXX XXXX saying they have granted the extension, pretty much same letters I 've already gotten. I have made more phone calls and was given the run around. Called again on XXXX XXXX and was told there were errors on their side and was in supervisors office to be corrected. Received one more letter dated XXXX XXXX stating the same as the other letters, stating amount due {$0.00}, with new loan maturity and payment date, all letters are the same.. I Made a payment via phone on XXXX for {$1500.00} and spoke to a lady and also was told they were working on the paperwork still, and was told they would be giving a credit of {$530.00} as well. On XXXX XXXX i called to follow up and now am told that i was never approved for the extension and am 60 days late that i need to pay the loan right away, this was from a supervisor. I have 3 letters stating TD auto has approved the 60 day extension..
|
| 11/21/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
On XXXX XXXX i was informed that my account wasfrozen because of fraud that was caused against my account. There was over {$7000.00} around this amount of unauthorized charges. I have called the companies where these charges have been made and reported this to them and they have done investigations of this and issued refunds to my account still i do n't understand why TD BANK REFUSES TO GIVE ME MY MONEY! I have called them i went in the branch and no-one wants to help me i am in need right now and i do n't know what to do the only response i got was you will get something through mail yet no-one has contacted me until now. I have well over this amount of money i have over XXXX as well i have money coming in from my student loans and money from family now i have no access to my funds and td bank refuses to give me back the money i need to pay for school and such and now i fear that i will never be able to pay for my school tuition and my other private necessities such as transportation I really need help so td bank realizes that XXXX is willing to speak to them and tell them this was all unauthorized and they are issuing me a refund for the money that was stolen by XXXX being over XXXX from them so please i need help so TD BANK Sees this message and returns my money! I am a college student and i need money for daily needs like rent, transportation cellphone bill! I do n't have any access to any type of money since i kept all my money in this account. Please someone help me out and give me honest truthful advice i am very confused and at loss in my current situation. Until this day i still have no answer or money back today is XXXX/XXXX/2016
|
| 12/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/13 my wallet was stolen. I got 2 Target credit cards that did not work after i reported theft. On XX/XX/XXXX i called to make a payment and found my account in a negative {$4700.00}. Someone had made a Target credit card online account and paid my account twice. Then charged 2 purchases XXXX with a card i never received. I sent a fraud questionnaire reporting the 2 fraudulent payments and 2 purchases. I am certain this occurence is identity theft. I froze my credit bureaus, i put extra security on my social security and kept calling Target 2x a week for updates.
My life has been in upheavle. I am a struggling single parent and take care of my mom.
I have only received 3 letters from them 1 stating that MY payment of {$4900.00} was not cleared ( i never made a payment of that amount ) and another said that Target made a mistake in paying {$4900.00} to my account. They credited the 2 fraudulent purchases.
Now they said today they will not honor any compromise for all the trouble this identity theft cost me. Isn't it a crime to knowingly allow my account to be exposed to someone else? This person created an online account and paid my balance to then use my information? Isn't Target wrong to not acknowledge the trouble and stress i experienced. I would like to lower my balance and set a payoff amount and close business with Target.
I have copies of everything. I will not sit back and allow such unfairness to befall me while they pretend reverting everything the perpetrator and themselves did and then tell me it's 'fixed '.
Please help. I can not afford a lawyer. I know what happened to me was wrong and i was honest to report it.
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| 11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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TD Bank : A payment was made in the amount of {$1000.00} per an telephone agent assuring me that this payment would not be deemed as late and later I found out it was. This was the only payment in my payment history with them that was ever reported late and it was hurt my credit score immensely. I wrote them a letter on XX/XX/XXXX asking them to remove the late payment from my credit report, especially due to the peak of coronavirus pandemic.I sent the letter Certified Mail and it was received by TD Auto Finance on XX/XX/XXXX with no answer back to my letter. I tried to dispute this through XXXX XXXXXXXX XXXX with no answer back from TD Auto due to closed account. I am asking for the removal of the late payment from my credit report. due to my exceptional payment history which is a wonderful indicator of my credit worthiness and this payment should have never been deemed late due to the information given to me by the telephone agent who took the payment.
XXXX XXXX XXXX XXXX : One payment has been deemed late and dated to XX/XX/XXXX. I have been a XXXX XXXX XXXXXXXX customer for over 15 years ( mortgage and cars ) and this is the only late payment that I have with them. I also sent them a letter dated XXXX XX/XX/XXXX via certified mail and I never heard back from them. I am asking for this erroneous late payment to be removed from my account. When I contacted them via phone on XX/XX/XXXX, they stated that this account has been closed and there is nothing they can do, Because of my exceptional payment history, I am asking for this erroneous late payment to be removed from my account, especially during the peak of the coronavirus pandemic.
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| 07/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Am I correct that a department store needs to send you some sort notification regarding revolving credit? ( for example - a bill- to let you know the amount that is due. ) Nordstrom was pushing paperless billing, as many companies do. I received emails with my statements for a few years, and then they stopped. I still have the same email I had when I opened my Nordstrom card. And, I use my card ALOT. In fact, I get close to 100 emails a month- trying to get me to spend more money.
Well, Last fall I was 30 days late. I never was notified by them. I happened to call them on my own because I realized my bill might be due.
Based on my credit report, they reported me 30 days late, on the same day I called and paid my bill in full. ( and I have since gone back to paper statements and have auto payment- which i did not even know they had available. ) My credit went from a XXXX to a XXXX.
I have emailed them, called them ( over and over ) and I get no answer. I was told that I had to send a written letter. So- I did this and let them know I stopped receiving emails with my bill. Also I sent them copies of the correspondence regarding setting up auto pay, getting paper bills against, etc. I have heard nothing except a generic letter letting me know that they have to keep it fair for everyone.which made no sense.
If they cant even send me a bill- do they have a right to report me?
and why did my credit fall so far?
and last, my wish is : if these companies want to push paperless billing so badly, can they at least be responsible and help the consumer sign up for alerts ( when bill is due, etc ) or auto pay?
thank you so much.
XXXX XXXX XXXX
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| 02/20/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Late or other fees
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Web |
Older American |
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DEAR SIRS DIRECTOR AND RESEARCHERS CFPB US FEDERAL AGENCY XXXXXXXX XXXX XXXX GREATER OF AGE AND NATIONALIZED IN THIS GREAT COUNTRY- I WANT TO NOTIFY THAT POTENTIAL SUSPECTS COME XXXX WITH MY ACCOUNT OF TDBANK-XXXX. EXTORTION-IF I DO NOT LET ME REMOVE MY LAPTOPS.XXXX APPEAR TO BE EMPLOYEES OF XXXX XXXX XXXX BECAUSE SOMETIMES I LEAVE IN MY LAPTOP THE HOUR OF XXXX XXXX CALIFORNIA FOR EXAMPLE IN XXXX, ARE XXXX BUT IT APPEARS TO ME THAT ARE THE XXXX XXXX XXXX ... THE OTHER IS A XXXX OF XXXX XXXX XXXX XXXX WHO SEEMS TO LIVE IN XXXX XXXX OR XXXX. HE IS XXXX AS A XXXX XXXX ... AND THEY ARE COMING XXXX BULLYING FOR XXXX XXXX XXXX XXXX IN XXXX AND XXXX XXXX IN XXXX, XXXX SAY THAT THEY ARE GOING TO LEAVE ME WITHOUT CELLULAR WITHOUT LAPTOPS WITHOUT TELEVISION ... AND WITH MY CONDITION OF HEALTH THAT I AM COMING BATTLING TO CURE ME
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| 06/15/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XXXX XXXX as I was depositing money into my checking account I noticed that my account funds were far lower than I expected. I immediately reported to the bank that there were funds missing from my account. A bank representative reviewed my account with me and we identified charges which I did not make on my debit card.
The bank said they were cancelling the card, effective immediately, and issued me a new card. ( More fraudulent charges appeared on the account between XX/XX/XXXX and XXXX which amounted to {$960.00} ) I sat down with XXXX Bank assistant Manager on XX/XX/XXXX and together we filed an online fraud report with the home office which included the fraudulent charges dating back to XX/XX/XXXX. On XX/XX/XXXX I received three letters from the bank office denying fraudulent activity on the card.
I filed a police report with the XXXX County Police Fraud Department with Officer XXXX, ID # XXXX, Case # XXXX on XXXX.
I notified the FTC and filed an Identity Theft Report.
I mailed a third request to the bank with copies of my statements and was again denied.
I understand that the bank is responsible for all charges dating back 60 days from the date they were notified of the fraud minus XXXX. The Bank has denied any responsibility at all. If this information is correct, I should be reimbursed at least {$9900.00} minus the XXXX. This amount represents the total fraudulent charges made to my account during those 60 days. In addition, I should be reimbursed for the additional {$960.00} of charges made after the debit number was cancelled at the branch.
Your attention to this is greatly appreciated.
Thank you.
XXXX XXXX
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| 03/14/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
Servicemember |
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XX/XX/2019 I was financed for a XXXX @ XXXX by XXXX XXXX XXXX. I drove the vehicle and had issues with it and called and asked if I could trade it for another vehicle, possibly a truck. The salesperson ( XXXX ) said that it would not be a problem " we can do a trade if that is what you want. '' I called on the next day and XXXX answered saying that XXXX was not there. I stated I was supposed to do the trade today for another vehicle. He responded that XXXX will be in tomorrow. I never received a call to confirm from anyone, so I went in to the office the next day and XXXX asked me to wait so that I can sign the paperwork. I received the keys to the truck and drove it for 1 week. A mechanic said that the 4WD is not good on this vehicle. I returned the truck on XX/XX/XXXX and called prior to get all documents needed to rid myself of this business. I signed 1 document ( indemnification document ) and received words from XXXX XXXX ( store manager ) that he would send an email the following Monday to end the deal. I have yet to hear from anyone at the location after making several attemps to call and visit since XX/XX/XXXX. I have contacted TDA finance and they have both vehicles still under my credit and 1 account shows late. The agent stated that I will be receiving calls soon from the collections department if there is not a payment made. I called XXXX sales and still no answer, call or contact. The store manager is never in the office and none of the other staff have a clue on what should be done. I have contacted the Corporate office to only get the same treatment. This has affected my credit and is also absorbing large amounts of time.
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| 09/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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My husband had recently bought a XXXX XXXX XXXX for me to use XXXX XXXX took him for the loan. We gave a XXXX XXXX XXXX trade in and XXXX $ cash we paid 16 payments not one was late. He recently became a legal resident and we where told by our lawyer to report all the changes to social security, any financial places we owe money to to be transferred to his new social security and irs. So we did we contacting XXXX XXXX they changed all the information. We contacted safe one they werent able to since the XXXX XXXX was bought through them. There is XXXX XXXX I think he bought his truck here also and they couldnt change it eather. On XXXX XXXX XXXX XXXX repossessed the XXXX XXXX while I was at work. We thought someone stole it I called the police they told me no the financing company repossessed it. So we had to wait till Monday come Monday we contacted TD so they could tell us that my husband had gave information that didnt pertain to him. His elegal social security that irs gave us an itin number to use for it. So we where left without a car and he asked what is going to happen with everything we gave in for the car and the car payments they said you loose it. I know so many people this has happened to them and everything has been changed for them because we are trying to fix our wrong but i know that this happens to a lot of people too its not right. We are fixing our lifes and so big corporations can just keep our money??? I dont know what else to say I think this should not be happening to no one there should be some kind of protection for customers who want to buy things like this and then they just get taken for XXXX $ dollars later.
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| 04/14/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
Servicemember |
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TD BANK assumed my loan some-time during the 5th to the 10th year of the loan. The term of the loan ballooned on XXXX/XXXX/XXXX. I began a loan modification/ information/assistance on on or before XXXX XXXX XXXX. I submitted all financial/employ- ment info ... and when I did not get a reply & lt ; I called to learn they had been calling an invalid number to secure additional info.
They were disingenuous, as they had my correct phone number aside from the incorrect phone number that they called numerous times without contact ... .even though they communicated with me via email to get verification/employment check-stubs on one occasion.
They are adding thousands of dollars to the pay-off figure as I am now prepared to pay them in full as I have closed on a property XXXX/XXXX/XXXX They have increased what I owe them from {$34000.00} to the recent payoff calc. of $ XXXX..XXXX..thru XXXX XXXX.
The worst thing about this ... if I had not been able to pay them ... they would have taken from me a parcel of LAND that I paid XXXX ( A XXXX loan in XXXX ) ... .and they have corrupted the process that would have given me the opportunity to continue pay interest for the land ... after paying for it, interest and principal for 10 years. I am grateful I can pay them off ... but I despise what they were going to do. I will pay them off and despise them for what what was going to happen -- -they were going to take my land! My request is to have them forfeit their fees to steal. {$34000.00} is what was owed XXXX/XXXX/XXXX.
They do n't get to win ... they were not going to grant me a loan modification/continuance ... they were going to take it from me.
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| 10/25/2017 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Fees charged for closing account
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Web |
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15 Years Ago I had opend a Checking Acct with now which is ( XXXX XXXX ). In XXXX I had unexpectedly gotten a call from my landlord saying I had wrote him a bad check I do n't write bad checks if I do n't have it I will tell you I do n't have it and my credit score is over XXXX, after I had sent other checks out as well. Was n't sure if it was me reading my statements wrong or not so I went I got a print out directly from the Bank. The Print out had show 'd both ( Positive+Negative ) to my acct?? I had also deposited enough to cover all checks atleast per there statement that I was reading and thought. I kept getting overdraft letters in the mail and went to an Attorney, I was told to get out of that bank and since their was no ( Bank error notification ) on their print out then I was n't legally responsible for any fee 's. I switch 'd Banks and stop 'd all activitys with TD Bank. I had then went to XXXX Managers gave them their debit card back and had also made 2 phone calls from them and demanded all {$250.00} fee 's be waive 'd so I can close the acct officially. I was laugh 'd @ and told no. I told them I was taking Legal Action and also notifying cfpb. They did n't care and then said my avg daily balance was {$1.00}??? and when talking to them they tried to ( Trick ) me into admitting I was purposely writing bad checks and when it did n't work they then wanted to get their Fraud division involved to clear me and see if there was a possible theft going on.I said no and took action. I 'm reporting this for others to be aware of and to get this acct officially closed and fee 's waived which never should have been givin to begin with.
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| 11/04/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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td have caused so many issue with their lies and their fraudulent ways I been going through a dispute the XXXX since XXXX some wallet was stolen then someone withdrew money from my account and uploaded fake checks from mobile deposits to my account and they ruled the mobile deposits as fraud and denied the other claim, from XXXX to XXXX i have been disputing the fact that someone overdrafted my account the same day that those mobile deposits were place on the account, finally in XXXX the claim received a temporary credit, after my disputes had been denied about 5-10 times they finally owned up to it being fraud for {$400.00} taking care of the fraud that was on my account because they had already removed the mobile deposit that was on my account, after i called in several times to have them refund the money that had returned back to my account which had taken XXXX to a XXXX ... from chargebacks and returns i then received a provisonal credit for the XXXX fraud that was on my account then once they realized they had to pay me back more than the XXXX they credited my account they then denied the credit and now they have my account XXXX saying i owe them, for fraud that was on my account they have added a extra {$400.00} just because they can without providign me any info as to why, when i call the customer service dept they directme to the branch yet i cant go into my local branch becasue they have me on trespassing because they discriminted against me and they have frauduently added a amount to my account because they didnt want to pay back the amount they owed me adn they did pay me half the amount yet then charge me what they owed me
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| 08/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
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Web |
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Beginning on XX/XX/XXXX I attempted to be qualified for a car lease. This lease was never followed through and due to my lack of credit history and it being so young, I was denied. Since this date I have had a hard inquiry on my credit, reporting as a hard inquiry. A year later, on XX/XX/XXXX, I attempted to become qualified to get a loan and buy a car. After being denied again I had plans that this was going to be my forever car so I applied to many more companies that offered auto loans and went through other dealerships. A total of nine companies denied me any line of credit to support me in making payments on my first car. This included a total of three automotive centers, four finance centers and three banks that I applied to seek a loan in turn I was denied. After my tenth try through XXXX on XX/XX/XXXX I decided to let my credit gain some more time to age. Although I had a good score and never missed a payment, the issue was that my credit was barely two years old. I have ten total hard inquiries on my credit due to hopes of getting my first car which followed through to be unsuccessful and remain on my credit with no help of advancements to get the car through any company listed as a hard inquiry on my credit. As of XX/XX/XXXX I contacted XXXX and XXXX to dispute the hard inquiries and was given similar instructions by each credit bureau. This was to contact the dealerships or companies that I applied for a loan through and ask them to fix my hard inquiry list. I contacted two companies, one automotive and one finance company. This resulted in their answer being to contact CFPB to file a dispute as it is out of their hands.
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| 12/06/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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In reference to fraud to account corresponding to CFPB Case XXXX.
I have presented TD Bank with disclosure of concerns pertaining the fraudulent use of my account and identity theft. TD Bank has noted that the fraud claims presented under REG E claim XXXX and REG E XXXX have been resolved statinng appropriate action has been taken to resolve the matter and mitigate the losses of monies. To this date the remaining REG E claim has not been address appropriately corresponding to the same recurrence of fraud and identity thief for a debit card that was issue to a third party without my authorization. Further, I have requested the account to be close and will not be making business with TD Bank in demonstration of my disagreement with the poor practices of XXXX XXXX, Assistant Vice President, NMLS ID # XXXX who handed me a check with the balance corresponding to the credits to the account as resolution of fraud without even an acknowledgement of the consequences that this has had on me and my business.
I have visited TD Bank located in XXXX XXXX and the teller XXXX XXXX has said that she would reach the corresponding department for appropriate action. I was hoping to meet with a customer relationship specialist, but XXXX XXXX thought that she would resolve my concerns from the teller window, which she failed to do. I certainly expect that regard be employed towards what this process has been and how I have been prevented from a proper resolution. In relation to the response to the previous CFPB complaint, I am not in understanding that the final REG E claim has not been handled with propriety to this date and expect appropriate action.
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| 03/01/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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I went into the TD bank XXXX in XXXX fl I went in desperate to get a new bank card due to the fact that there was fraud going on in my account the gentle man was being rude and said oh no I cant give you a card because your Id XXXX XXXX XXXX XXXX XXXX I need to use my money I left very upset told him he was being an XXXX and didnt want to help me I went into the drive thru of the same bank and the gentleman helped me out with my ID expired he still gave me 100 $ out of my account the next day I tried to use my bank account and it was on hold apparently the manager XXXX XXXX had put the hold on my account she took the time to dig into it once I left to get back at me she put a hold on my account and said I had a previous account that I owe XXXX I gave birth XXXX on the XXXX I callled and put my account on a credit status not having a lot of money but had no choice if I didnt pay they wouldnt release the funds its now XX/XX/XXXX still not able to use my money and I allready payed the money I called the branch because the recovery team told me they are the only ones who can remove the hold spoke to XXXX XXXX again and she told me shes the one who put the hold because of how I was rude with teller I said how can you do some like that shes like you want me to help you or not? Over the phone then she stated she will call me back once she found out whats happening now my water has been disconnected due to non payment because Im not able to pay because my account its been on hold this has cause me such a frustration and my kids not having water to shower its been crazy with a new born I dont think this is how people should be treated at all!
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| 05/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have repeatedly asked XXXX for evidence to support their reporting of an account in the file they maintain under my Social Security number. They have failed to provide me with a copy of any verifiable evidence submitted by TD BANK USA- XXXX XXXX substantiating their claim that I am financially responsible for this account. I am not the primary owner of the account, not a co-borrower, and not a co-owner, I am an authorized user. I have never applied for credit, and this a not a joint account ( although its being reported as one ). Furthermore, I have requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Recently, XXXX provided their investigation results, and again, they failed to provide verifiable evidence. Interestingly, they included a statement alleging " Consumer 's dispute not specific '', however they were still able to conduct an investigation without " specific '' information. Further into the results is a statement that says " Account Historical Data SUPPRESSED. '' The results continue to state that the originating source provided additional information claiming " Historical account information was DELETED from this account. '' Their investigation results are unclear, contradictory, and lends no credibility to the company. Is the information I requested DELETED or is it being SUPPRESSED? Either they have it or they don't. In any case, they are not providing it. I challenge the accuracy, compliance, and reportability of this listing. I formally request the trade line be immediately, and permanently deleted from my credit file.
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| 06/11/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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I discovered on or about XX/XX/XXXX that I was delinquent on a line of credit I purchased from Raymour and Flanagan.
After I received the alert from XXXX I immediately called R & F. They apologized and told me that its best if I reach out to the creditors themselves, TD bank ( TDRCS/RAYMOUR & FLANIGAN ).
I called them and was told they didnt have my correct address and thats why they never sent a bill ( not true they had my moms address where I used to live and NO BILL WAS SENT THERE ) When I asked them why they didnt call or email, they didnt have an answer and then the line disconnected.
This happened at least 6 times! I would ask them challenging questions about their collection procedures and then the line would miraculously disconnect. No one would call me back-I had to call back.
When I finally was fed up and wanted to speak to a manager they told me I had to put my name on a waitlist and that the manager would turn around in 48-72 hours! I have yet to get any call back.
One of the semi-competent agents walked me through setting up an online account on their shoddy website and thats where I discovered my bill was first due in XXXX and as of date, I have missed two payments. I told her that considering the companys negligence and shady collection practices that they should extend my contract by the two months hence making my bill current and then erasing the report off my credit.
She told me that all she could do was take {$40.00} off the bill and that I should have known that I owed a debt even without a bill because I made a purchase.
Imagine that!
When I disagreed with her, the line magically disconnected again.
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| 01/20/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
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Web |
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TD Bank is withholding interest income for tax purposes on my checking account ( they had also been doing the same for my savings account ). The interest income on the account is so small it is below the IRS reporting thresholds -- literally we are talking {$0.00} per month on my checking account. TD Bank previously advised that the withholding was as a result of there being an inconsistency in their system with my name and SSN. I first attempted to address this with the bank in XXXX of XXXX and was told it would be corrected. It was not. I have been a banking customer with TD for over 10 years. My social security number is the exact same number as it was when i originally opened my accounts at the Bank. In XXXX of XXXX, I went to my local branch, at TD Bank 's direction, and revised the name on my account -- reverting to my maiden name ( rather than maiden, plus married name ) and delivered to the bank a W-9 form. This is in addition to the two W-9 forms I had previously mailed to them. Notwithstanding this, TD Bank has not refunded the income interest previously withheld and as of XX/XX/XXXX they continue to withhold interest income. Now they are telling me that I need to provide a W-8 BEN form which is the IRS form for non-resident aliens. I was born in New Jersey. I brought my birth certificate and SSN card to the branch in XXXX XXXX, NY and provided them to the branch manager for evidence of my name and citizenship. Unless being born in NJ no longer makes me a US Citizen I do not understand why a W-8 BEN would be appropriate. TD Bank needs to cease withholding interest income and refund me the interest income withheld to date.
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| 04/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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( Related to FTC XXXX on XXXX for which Target Card suddenly stopped working at store and transactions were not visible on the website. On XXXX, XXXX XXXX was filed as Target Card refused to reach out to XXXX despite having started the claim. XXXX on XXXX for Target/TD-Bank preventing automated activation ).
On XXXX, XXXX at XXXX XXXX was used to try and activate the additional cards on the accounts. These activations failed on both website and via phone call. COMPLAINTANT prefers to get these activated without contacting customer service as COMPLAINTANT entered the numbers exactly the way they were printed on the card. COMPLAINTANT wonders if Target/TD-bank has call/email/case records of other users having the same problem.
On XXXX, COMPLAINTANT called XXXX at XXXX XXXX to activate the card. Automated means through website and automated call have failed during the call, however, the representative was able to activate the card. At XXXX XXXX, COMPLAINTANT called again to retrieve the PIN as previous representative omitted the PIN setup procedure. Had COMPLAINTANT been able to activate the card all on his own through automated means, he would not have had to call again nor attempt to reset via the Target website. COMPLAINTANT is perplexed as to why both representatives who ( 1 ) activated the card and ( 2 ) denied having access to PIN, refused/forgot to mention any PIN reset functionality of the website during the call. COMPLAINTANT wonders why Target employees/system have to create these situation artificially in such a way, so that they can deny ( a ) having access to COMPLAINTANT 's PIN nor ( b ) trying to harass him in anyway.
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| 04/30/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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TD Bank has refused to allow me the opportunity to plead my case with the appropriate department/manager. I contacted TD Bank on XX/XX/2018 and was transferred to the Fraud Department as my wife and I had an account that was on a " no check activity '' status due to fraud. This account was supposed to be closed already, but we resolved that on the phone already. The supervisor in the Fraud Department helped my wife open a new account. Once this was done, we were hung up on. When we called back and stated the same information, we were transferred to a supervisor who continued to belittle myself and my wife as well as say " no thank you '' when we asked for a manager and this individual ( whose name is XXXX, I beleieve ) kept hanging up on us. I then spoke with TD Bank today, who confirmed this individual put all of my other accounts in a " no check activity '' status due to the serious delinquency. The delinquency exceeded {$1100.00} and of that, 27 fees were assessed at {$35.00} each, totaling {$940.00} in fees.
My son receives Social Security XXXX checks. That money is used just for him to get things he medically needs. It's unfortunate that the bank has allowed me to get this negative with that many fees, and fees being assessed BECAUSE of fees. The bank is essentially stealing from my son, who desparately needs his XXXX to get things he needs to live.
I request that an individual with a heart at TD Bank look at our situation, while considering that we fell on hard times, and refund the fees so we can at least start getting back on our feet. Without those fees being refunded, my son will go without things he needs to survive.
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| 11/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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To whom it may concern : I submitted the evidence of homeowner insurance after I received the first notice for insurance information. However, I received the Second and final notice Please provide insurance information on XX/XX/XXXX ( Exhibit A ).
In the letter, TD Bank states that the insurance information I provided was received but unable to verify the coverage from XXXX. I went to the TD branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was told by manager XXXX to email and mail the proof to them. I mailed a copy to TD Bank Loan Operations XXXX XXXX XXXX XXXX Department TD Bank N.A. ( Exhibit B ). I called TD Bank at XXXX XXXX XXXX XXXX and was told to email the proof of insurance again which I did on XX/XX/XXXX ( Exhibit C ).
The documents I sent again contain the following items. I purchased the house on XX/XX/XXXX and purchased one year of homeowner insurance. I provided TD Bank with the Policy document along with company information. They can verify with the insurance provider. The document is sufficient to prove that I have insurance coverage for the period XXXX which is provided and confirmed by the insurance company. ( Exhibit D, E, F ) However, I received a letter stating I need to pay for the insurance period XXXX and the total amount will be divided and added to the monthly bill in one year which is XXXX {$130.00} ( I did not have any escrow account with TD and I only pay for the interest and principle ). ( Exhibit G ) I do have insurance coverage from XXXX and they still charge me {$130.00} for that period. Please refund the money and cancel the rest payment for insurance coverage from XXXX.
XXXX XXXX XX/XX/XXXX
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| 03/14/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I have called the bank several times, i went into the bank. I thought it was cleared up until I got this letter OF DEPOSIT : AMOUNT OF ITEM : CHECK NUMBER : XX/XX/XXXX XXXX At TD Bank we are committed to protecting your accounts. We are writing to let you know we have delayed availability of funds from your deposit as account information indicates that the check may not be pald.
Although we try our best to make sure your funds are available as soon as possible, sometimes we need to hold on a deposit ( s ). Rest assured, your funds will be available no later than six business days after the dep made, unless we are notified of a returned check.
If you did not receive a delayed availability notice at the time of the deposit and your check was paid, we will any overdraft or returned check fees as a result of the additional delay in the avallability of your funds. To ob refund of any fees incurred if the deposited check has been pald, please contact your local TD Bank.
We are here for you We are sorry for the inconvenience, and appreciate your patience. If you have any questions, please call us anytime at XXXX Sincerely, TD Bank Fraud Operations My tenant has paid me since the fall of XXXX no problems. In XXXX TD held the check from XX/XX/XXXX until XX/XX/XXXX. Even though my check was cleared through the tenants account on XX/XX/XXXX and I had enough to cover the check in my account.
In XXXX the tenants check was put on hold again. We went into the branch and they lifted the hold and then today we got this letter. Once again cleared in tenants account and we have plenty to cover the check. This is abuse of their power and control.
|
| 08/24/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Can't close your account
|
|
Web |
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This complaint is regarding my intent to discontinue my XXXX credit card ( XXXX card ). I've been out of the country for a month, which subsequently caused a missed XXXX XXXX card payment. In attempting to use the website, which is very and problematic and difficult. I ultimately had to call the XXXX XXXX-number and make my payments through that number. During the the conversation over the telephone with the credit card employee ( TD Corporation bank credit card ) I attempted to fix my access to my account electronically, with the credit card employee on the phone. None of their fixes would reopen my electronic account. I find the electronic account for XXXX XXXX card very difficult to use, so told the credit card employee I wanted to pay my account in full, which I did and close the account. I then explained her I wanted to close my account, so she transferred me to another bank credit card employee. This female bank employee on the phone wanted to know why wanted to close my account. When I explained it to her, and I must add I was civil and professional, she discontinued the call for no apparent reason. When I tried to call back the same numbers I had just used to contact the credit card company with it appeared my account had been electronically flagged and I was unable to get through to the credit XXXX card company of TD bank ( recorded voice told me to call back later and discontinued the call ). I feel this business practice is a way to frustrate customers and ultimately thwart the customers ability close their accounts. I have concerns hat this might be a deceiving way to take advantage of customers who aren't persistent.
|
| 07/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American, Servicemember |
|
RE : Target Card Services Mail Stop XXXX XXXX XXXX XXXX XXXX, MN XXXX I had a credit card through Target Card Services for several years. During the past year, the company has repeatedly either failed to send my billing statements on time, or has failed to send them at all. This lead to me having to make last-minute payments online more than once, simply because I had not received a bill.
Last month, I canceled the account due to these ongoing billing problems. I paid the account off in full in the amount of {$58.00} via an online payment. Please note : I did not submit the payment to my bank. Target Card Services did. They submitted the payment incorrectly, and told me the payment had been " returned '' because my bank account could not be found.
I submitted the payment again without updating any information. as all information was correct. They submitted the payment again, and the payment went through.
I had to DEMAND that the account be canceled over the protests of some customer services person who tried to talk me out of it. I thought I was done with their errors.
This morning, I received an email notice that they have billed me for a fee of some kind due to their own error in submitting my payment to my bank. While it ; s only a dollar, I see no reason I should have to pay them XXXX red cent for their own inability to submit the payment request correctly.
Upon receipt of this notice, I contacted Target Card Services customer services at XXXX immediately, and was told they do not have the ability to remove the charge.
I believe this charge is a scam, and that they have no right to charge me for their own errors.
|
| 06/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
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Web |
|
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A check was sent to TD BANK N.A. Processing center in Maine. The check was sent from the PRIVATE side of the bank account ( look up definition of closed account blacks law dictionary ).
The paper check was sent as an E.F.T ( ELECTRONIC FUNDS TRANSFER ) not as a Deposit which means the credits transfer on the spot. ( Look up Title 15 7001-7003 of the ELECTRONIC SIGNATURE ACT ) everything is Legal!!
So TD BANK N.A. Executed the E.F.T for {$350000.00} on XX/XX/2021 which was the full amount due on mortgage. TD BANK N.A. Then put the {$350000.00} of credits into what is known as an UNAPPLIED FUNDS ACCOUNT. ( Look up definition of UNAPPLIED FUNDS ACCOUNT ).
4 days after putting {$350000.00} into the UNAPPLIED FUNDS ACCOUNT TD BANK N.A. APPLIED THOSE FUNDS but NOT to the LOAN.
Where did the {$350000.00} go??? It just disappeared!!! Without a trace.
On XX/XX/XXXX we received a letter from the Insurance company for the home insurance Saying that the coverage has ended because TD BANK N.A. told them the LOAN WAS PAID IN FULL. I have all the Evidence and documentation for everything!!!
Dates, times, amounts, letters, paperwork etc. I have it all that TD BANK N.A has committed BANK FRAUD. WIRE FRAUD. EMBEZZLEMENT among other things. And lying about the ORIGINAL NOTE they say they have in there possession!!! They Do Not!!
TD BANK N. A. Sold the ORIGINAL NOTE the second the MORTGAGE was signed.
This needs to end. The MORTGAGE is DISCHARGED in Full. And they need to be held accountable for there actions.
When you need all the EVIDENCE in this case I have everything!!! Every payment, date, account, amount, I have it all.
|
| 03/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I contacted TD Retail Card Services ( TD Yardcard ) on XX/XX/XXXX. I discovered that were charging me monthly fees on the account. This account is an interest free account, deferred, if paid by the final due date. I began the account payment by paying the first installment in full by its due date in XX/XX/XXXX. Then XXXX setup bi-weekly payments immediately so that I would get ahead of schedule to pay off the account before the final due date and thus insure no interest charges. TD accepted each bi-weekly payment but did not credit the account as a payment, instead began applying the payment to the principal. The amount due each month was {$170.00} and I was paying bi-weekly of {$100.00}. So in some months they received {$200.00} and in a few months {$300.00}. They have continued to accrue fees on my account saying I am not paying the amount due on time. I am perplexed and they refuse to correct this and apply the payments correctly. At this time I am over paid what is actually due to them and they are still charging me fees. They offered to rescind and credit one monthly fee but to me that is not acceptable. They say I have been late paying but that is not correct and I am actually overpaid. I want them to refund me all the months they charged a fee. They are charging {$40.00} each month now and it makes no sense. They just need to correct the application of the payment and I can prove that they have received more than the monthly due amount each and every month prior to the due date. They need to do the right thing here and they are refusing.
Please help me out as I am a great paying customer who was paying ahead of schedule.
|
| 06/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
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|
Web |
|
|
I opened a company business checking account with TD Bank in early XXXX. My office manager at the time also had a signature on the account. In XXXX, I turned over day to day operations to two others, though maintained my financial interests in the company, of course.
Sometime later, unbeknown to me, my signature was removed from the account. The company suffered great losses as a result of flooding resulting from Hurricane Matthew in XXXX and ultimately failed following flooding resulting from Hurricane Florence in XXXX. All paper and computer records were essentially lost although I do have bank statements.
In my ensuing attempts to obtain detailed transaction information, especially check payees, in order to complete financial reporting per my fiduciary duty and regulatory requirements, I have been denied by the bank repeatedly in spite of presenting copious evidence of my obvious entitlement to the information.
TD Bank states their banking policy requires that account information may only be provided to people with signatures on the account. They have no policy to protect an account holder from having their signature removed from the account without their knowledge or approval. I have provided copious documentation illustrating my ongoing interest in the company.
Furthermore, they have been increasingly unresponsive to my inquiries leaving me no other options short of expensive litigation to obtain information I am entitled to. I have been dealing with this for well over a year now, and the delay in filings because of this is no doubt going to result in significant penalties and interest when this is finally resolved.
|
| 02/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
My first issue is with Target ( Target Red Card ) I opened a card XX/XX/XXXX. I made my payments on XXXX for XXXX, XX/XX/XXXX for XXXX and XX/XX/XXXX.
I went to use my card at Target and it didnt work. I tried to call Target but was referred to a collection agency XXXX. At that point Target would not take my calls. I HAD to talk to the collection agency. I was horrified to find out that NONE of my payments were credited. I made my payments over the phone and received confirmation numbers. I WAS NOT NOTIFIED that my payments were not crediting. The collection agency told me that for the XXXX payment my account was frozen and the first 2 payments didnt credit because I didnt call my bank to give them a heads up? What?
That conversation was XXXX at XXXX XXXX.
The first person I spoke with told me that they dont take pre-paid debit cards. Again, no notice My second issue is with XXXX XXXX and my car payment. I had automatic withdrawals from my checking account set up and this last payment for XXXX was supposed to come out on XX/XX/XXXX ( due date is XXXX ) I was told that if I could set up my payments for the XXXX and I would not be making late payments. Then I call them because my paycheck does not go into my account until XXXX and I was told that not only would I have a 30 day late on my credit but every single payment I have made has been late! I am devastated. I have been working with XXXX XXXX XXXX since last year and they successfully brought my score up and in a matter of 10 days my credit score has dropped 97 points. I need help! These companies could care less. I cant even reach target at all, just the collection agency.
|
| 06/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I noticed there was a charge for cheap flights from XXXX to XXXX of {$100.00}, there was also a {$3.00} foreign transaction fee. I called TD card services when I noticed it and reported this as fraud. They said they would send a letter to me within XXXX business days.
I know for sure I did not authorize that amount of {$100.00} or the amount of {$3.00}, but it was approved anyway. It's fraud, and TD bank sent the investigation letter, and I opened the letter today. The letter stated they investigated the matter and concluded that the fraud did not occur because it matches similar sorts of past expenses I made ( my spending pattern ), which doesn't rule out that it is fraud. I know I did not make that purchase regardless of any past purchases I might have made, which is why I called them. I would have not called if that was within my spending pattern. Also, the letter only addressed the {$100.00} amount, but I also mentioned the {$3.00} foreign transaction fee as fraud as well when I was on the phone with TD bank, so in total it is {$110.00}.
The letter was sent to me on XX/XX/2023. I just opened it now. I filed the complaint on XX/XX/XXXX. The fraudulent charges were on XX/XX/XXXX and XX/XX/XXXX. I still have not gotten refunded and I actually had to pay for these fraudulent charges, so my credit doesn't go down, but again they are fraudulent charges that were approved by TD card services, and I don't know how the fraudster got my credit card info, but I don't feel like there was a proper investigation to determine that. I make a lot of online purchases with valid companies, so I would think maybe someone got info online.
|
| 06/06/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened my TD Simple Savings account at TD Bank online in XX/XX/XXXX. I made additional deposits at the XXXX Maryland branch on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I went to the XXXX Maryland branch requesting a cashiers check. I had a balance of {$220000.00} on deposit and requested a cashiers check for {$220000.00} for a home purchase. I was informed that because there was no signature card on file for my account, they would be unable to give me access to my money. Instead, I would have to fill out a signature card and wait 24-72 hours until it could be processed. This is a problem because I need the money for closing on a real estate transaction this week!
I was never given any kind of disclosure that said that in order to withdraw money from my account I needed an approved signature card on file. The account was opened online, which gave me no option to fill out a signature card and did not inform me in any way that I needed to go to a branch and fill out a signature card and get it approved in order to get access to my money. Nor was I ever informed that I needed to fill out a signature card and get it approved when I appeared at the branch to make deposits. The only disclosure I was ever given about getting a cashiers check is that there would be a fee of {$8.00}. The fee disclosure did not say anything about needing an approved signature card on file to be able to get a cashiers check for {$8.00}.
I believe TD Bank 's disclosures are deceptive and inadequate. This is a trick and a trap to keep people from accessing their own money when they need it. As as result, my real estate closing may need to be delayed.
|
| 02/27/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
I am a recent graduate of university and was looking for my first entry level job. On XX/XX/XXXX, I received this job offer for a data entry position from someone calling themselves " XXXX XXXX '' from " XXXX XXXX XXXX '' that would let me work remotely and use equipment purchased by the company that had agreed to hire me. After a chat interview on XXXX I was told I was being given the job. I was told to wait for a check in the mail and to deposit it when it arrived. The check I received was for {$4900.00} and arrived on XX/XX/XXXX. On XX/XX/XXXX, I deposited the check. After being told to " wait for the check to clear after a day '' I was then to send XXXX XXXX payments On XX/XX/XXXX, to a person named XXXX XXXX whose XXXX email is XXXX. After that I was asked to withdraw {$2400.00} and send {$1100.00} of that via XXXX and the rest he requested be sent through XXXX. After asking me to deal in XXXX I immediately suspected fraud and searched online for answers. I was able to learn about this scam and stopped replying to the fraudster within the same day. I also immediately tried to stop the XXXX XXXX payments to no success. But I was able to stop the XXXX ( {$1100.00} ) to XXXX XXXX, from XXXX XXXX, Georgia XXXX. I was also NOT able to stop the XXXX ( {$1000.00} ) I had sent to XXXX XXXX whose XXXX email is XXXX. The entire time I believed I was only using the company 's funds for equipment, until I learned the check could still bounce and stopped contacting the individual through Zoom chat. I am a student and had very little money to begin with. I lost everything I had and the banks ( TD BankXXXX XXXX XXXX nothing to help me.
|
| 01/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
This case is about a payment made that resulted in the vehicle being paid in full. The Bank refuses to give me the documentation to release the loan on the vehicle. The car was paid in full on XX/XX/XXXX, Money deducted from bank on XX/XX/XXXX, the bank stated that they received the payment in full payment on XX/XX/XXXX, XXXX mailed out on XX/XX/XXXX. I called on the 4 of XX/XX/XXXX and all of this information was confirmed, but I never got the title which they stated I will received in 7 to 10 business days there words not mines. They wrote it in my account also. I called and ask where is the title release document, TD bank stated that why I want the title? ... I stated i plan on selling the car and want to hand the new buyer a clear title. TD bank stated we do not know what happen to the title just do a bill of sale. ( What? ). I said no I want a title release document from you to get a title... Why can I get a title? TD bank stated shy are you rushing us to give you a title. I read back to them, their words : " You will get your title back i 7 to 10 Business days '' on my online account. They said " Why are you looking online at your account it is close. I said I still have access to it and your lien is still on the title account. They said I can not get the title release document do a technical difficulty on our end. I just want my title release document - TD bank has been given me wrong information and flat out lying to me. I still have not got a date or an acceptable status of the title release documents being sent. They done nothing but give false and misleading information but no title release has not been mailed out.
|
| 09/27/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Re : TD Bank not paying Qualified XXXX - $ XXXX $ XXXX XXXX Opened XXXX ONLINE XXXX Setup XXXX with XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} ; All Qual for bonus met.
NOW THE WAIT - Rcv bonus <= 140 days from opening.
After months of wait and calling in to the bank they told me that I didn't qualify because some long time ago I closed a checking account and so I'm not a new checking customer.
I informed the rep that I qualify because the promotion says in the fine print that " Checking offer is available to new personal checking customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. '' I told them the only reason for having the statement saying " not have an existing checking account within the last 12 months '' is if they are opening it up to people who has had checking accounts that have been closed for more than 12 months. IE they are trying to win old customers business back.
Even after pointing this out and they sending it back to their back office promotions team a few times they still came back saying that I don't qualify because the bonus is meant for people who has never had a TD checking account before. I argued that if they meant that then they shouldn't have put anything ambiguous in their language that could have been misconstrued and because they have they should pay me the bonus because I qualify based on what the promotions say. Open a TD Beyond Checking by XX/XX/XXXX and have {$2500.00} or more in XXXX within 60 days of account opening. Must not have had a TD checking open within the last 12 months.
|
| 11/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/2019 -- 4 unauthorized transactions were posted to my debit card account totaling XXXX These transactions took place without card present.
one Transaction {$300.00} for a XXXX XXXX payment, I advised TD Bank I dont have XXXX as a service and from My account I never had a charge for XXXX EVER! I advised TD Bank the payment must have posted to some persons number why cant they check??
a charge from XXXX {$260.00}, I called XXXX but other than tell me it was for a service the name of the person is available but they could not give me.. {$500.00} for a XXXX cash transfer. It was sent to some name I am not familiar with nor had I ever used XXXX. lastly a charge for Lyft for {$28.00}, XXXX being a taxi service it seems strange as I have no spouse or Children and as my statement can Identify I happened to be in XXXX the very same day all these charges were done and had my card since I withdrew {$440.00} from ATM in XXXX ... Also between XXXX there were several electronic transfers for XXXX I also disputed and was credited by TD Bank..
I have now submitted the claim 3 times and 3 times denied and each time i am told decision is final there is no one to further discuss with but if I want they will re-submit claim..?? makes no sense.. Additionally they advised that since there was no aggressive charges ( in who's eyes )?? So why did they quickly approve the Several XXXX XXXX charges in 2 days, I mean 6 charges in 2 days when I rarely use XXXX XXXX?? and then I found out that all the way into XXXX even the card being closed there wer attempts everyday to make charges.. If that not aggressive I cant explain what would be..
|
| 05/19/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
TD Bank / XXXX XXXX XXXX store credit account The online account service offered for looking up account information online and making payments does not offer an option for setting up monthly ACH payments that are MORE than just the minimum amount. Many companies appear to leave out this service.
There website allows for making payments for the 1- minimum monthly payment, 2- payment in full, or 3- " other '' ( amount of your choosing ). However, when you choose the option for an AUTOmatic payment to be deducted, suddenly the option for choosing " other '' or any payment amount of your choosing is not allowed. I feel that that many credit companies do this purposefully so that the borrower can not pay down the debt faster in a convenient way. I have come across many companies doing this and then consumers are forced to make the payments by other means than by using convenient electronic debit services. Since electronic payment services are the norm in these modern times ( and I have been doing electronic banking since 2005 ), it seems inappropriate to lure consumers to the convenience of monthly ACH payments when there is no option for paying your debt faster.
Why not introduce regulations ( or perhaps you can inform me if regs exist ) such that if an institution makes ACH available, that the option for making more than the minimum payment BY MEANS OF ACH must also be made available.
I would like to know, do you have a list of which banks currently provide the option for making more than the minimum payment BY MEANS OF ACH automatic debit. I would like to only use these banks, as necessary, for any large credit purchases.
|
| 03/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
I have called a multitude of Target customer service numbers and spoke to several employees/supervisors/managers on these dates : XX/XX/XXXX XX/XX/XXXX - 2 calls XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - 4 calls XXXX - 8 calls I have been having an ongoing issue with not being able to redeem the rewards associated with my Target XXXX Mastercard. I have been given conflicting information every time with promises of escalation and resolution. Every time I call back they are unaware of the issue, say it hasn't been escalated and they will do it, and they tell me to call back. At first the issue was only with my account, the next time was told it was a global issue, and now the guy couldn't answer whether it was global or just me because he was too busy repeating the people laughing in the background telling him what to say. His responses did not even make sense to what I was asking. The girl before him decided after 50 mins she was going to pretend she could no longer hear me and stop assisting me. have called several target corporate numbers and they all keep bouncing me around. I have emailed the CEO. I can not get an answer from anyone and am frustrated with the conflicting info get each time I call. As a customer who holds a credit card, I have entered a financial agreement to use their cards/pay their interest/ follow their terms. They offer rewards for doing so.
Because that agreement isn't being matched I at least deserve a response. But instead have received no answers, just ridicule. feel like that is complete fraud and leaves a horrible taste in my mouth that the 8th largest retail corporation can act in this manner.
|
| 01/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
RE : Complaint ID # XXXX I just received a letter from TD Card Services regarding my dispute with XXXX XXXX XXXX dated XX/XX/XXXX.
They state the following : I opened a claim on XX/XX/XXXX in the amount of {$5800.00} XX/XX/XXXX I was issued a refund in the amount of {$290.00} and stated I did call back to dispute the whole amount of {$5800.00} and not just the {$290.00}. According to documentation I disputed the whole amount of {$5800.00} with my first phone call to TD Card Services on XX/XX/XXXX.
TD Card Services closed the case on XX/XX/XXXX, which was after the 90 day limit. When I called they said it was a mistake and the case was re-opened. TD Card Services said I re-opened the claim when actually I did not re-open the claim, TD Card Services did as they stated to me. Due to an error on their part.
TD Card Services again went past the 90 day limit. I received a letter ( please see attachment ) dated XX/XX/XXXX stating when I have previously stated. Also please refer to Complaint ID # XXXX.
I do believe in my opinion that because TD Card Services did not do their due-diligence and went past their deadline to recover the {$5800.00} from XXXX XXXX XXXX, which is stated in the letter addressed to me~ that they no longer have charge back rights. They are discriminating against me even though I have gone over and above of what TD Card Services has asked of me and been more then patient since XXXX regarding this dispute. I honestly thought they would back me up in this dispute as I have been with TD Card Services for many years.
Please refer to Complaint ID # XXXX for all the documentation and notes regarding this claim.
|
| 08/20/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
I am being incorrectly charged on my bills. I have called several times and also entered an official complaint, but the letter I received from XXXX XXXX did not offer a valid response as to why I am not getting the correct interest rate. I have enclosed a copy of XXXX letter and also the contract with the sections highlighted as to why I should be getting Prime minus 0.51% (i.e. Prime minus 0.26% stated in section 6 of the agreement, and minus an additional 0.25% Relationship Discount stated in section 7 of the agreement).The relationship discount is valid under the checking account I opened. This has been a problem since the loan began, and as per my rights under the agreement I deducted the (disputed portion 0.25% charge) while the dispute process was ongoing.• Letter from Loan Operations Manager says that I am supposed to be receiving the relationship discount yet the math is incorrect. (See copy of letter from XXXX XXXX) (Also see highlighted sections 6 & 7 of the Agreement & Disclosure Statement)• Using the .26% figure in section 6 of the contract the math is correct, but I am supposed to be getting both discounts subtracted from the prime rate.• Both sections 6 & 7 of the contract are clearly checked off meaning my rate should be prime minus .51%. So far I have not received a clear explanation as to why I am not receiving both discounts. Additional Issue: Section 21 of the Agreement says that I do not have to pay the disputed amount while a formal dispute is in process. I have highlighted this section in the agreement. Nonetheless TD Bank has marked my credit report as delinquent and it has affected my credit rating.
|
| 05/30/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
Older American |
|
XX/XX/2016 I called Target Red card accounting per their XXXX number provided and asked for the credit card accounts supervisor, I told her VERY SPECIFICALLY 3X that I would be leaving for XXXX on approx. XX/XX/2016 and I needed an EXACT ACCOUNTING of my Target card so I could pay the entire amount off as I would be gone 2 years without any way of receiving or paying any billis that would arrive after my departure.
I was given a TOTAL ACCOUNTING of $ XXXXusd and paid that amount, in full, on XX/XX/2016.
2 months later I received notification from my XXXX credit score that my perfect credit score was now XXXX.
After many calls and absolutely NO help from Target, I found out that my account had been billed for purchases in XX/XX/2016 that should've been known to Target 's accounting and billing department.
Because of their ineptitude and failure to report an accurate accounting of my account, my credit score was damaged irreparably and created financial hardships for me and a tremendous amount of business problems.
I had to wait 2.5 years to dispute my credit reports and send Target my complaint- which they summarily denied any responsibility.
Target has since emailed me to say they had mailed a response to my demand for compensation but that was almost 2 months ago and no mail or email correspondence has been received.
Target is responsible for destroying my 45 year perfect credit for a {$19.00} charge they should have accounted for- causing me financial hardship and business problems not to mention 3 years of terrible credit and the horrendous stress it has caused me trying to rehabilitate my credit and my good name.
|
| 09/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
On XX/XX/XXXX a person named XXXX XXXX called from XXXX XXXX XXXX XXXX stating that I owed XXXX to TD BANK and that he was an attorney hired by the bank suing me from this amount owed XX/XX/XXXX. He said that I would be served papers from XXXX XXXX XXXX. The same company also contacted my family member that I do not live with stating the same, that they would be serving papers to her home if I did not contact the company right away. XXXX XXXX said that there was a pending lawsuit out against me but that I could settle for {$310.00}. He also told me that the amount was reported to my credit report which it is not and that they have tried to contact me back in XXXX also not true. I gave him my credit card number and he said he would be emailing me a contract to sign. I did receive the contract with the address XXXX XXXX XXXX. XXXX XXXX, CA XXXX. I decided to XXXX the company XXXX XXXX XXXX and it gave me the name XXXX XXXX XXXX, a fraudulent company. I immediately called TD Bank, I spoke with XXXX, she stated that they do not use that company to collect debts and that I did not owe XXXX. I do however owe {$110.00} from an overdraft that happened XX/XX/XXXX. XXXX XXXX called me today XXXX because after I found out I canceled my card. I told him I knew they were fraudulent and that TD Bank said they do not use them for collection attempts. He told me that was incorrect. They called my aunt stating they would be serving her papers because she is the custodian of the account and would have to pay. I then called the company back and the receptionist simply told me that " The firm was declining my call and would not speak to me. ''
|
| 05/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
on XX/XX/2023 at TD bank in XXXX Connecticut I went into the branch to obtain a replacement debit card as I lost my wallet and all of my person financial cards was in the wallet but I never had the card turned off due to issues I would indefinitely encounter without proper identification. After getting a new license ordered through the state of XXXX, They give u a paper copy of your license to use as you wait XXXX business days for a replacement license. In the state of Connecticut all business are legally mandated to accept the XXXX paper copy with the state seal of licenses to conduct business. Companies in Connecticut dont have the option of refusing to accept this paper license with the XXXX seal however on XX/XX/XXXX that's exactly what happened. TB bank employees who were very rude by the way refused to issue me a replacement card and even denied me access to withdraw funds. I went through a XXXX minute verification process and even after the bank verification me through a rigorous process still denied me access to do anything on my account. I explained that despite what the bank policy is abroad, here in Connecticut you are subjected to state and local rules and guidelines which they clearly violated by not accepting the verified formnof identification issuesnto be by the State of Connecticut. I was treated like trash from off the street, talked to like my business wasn't wanted and disregarded in such a way that I was tempted to completely close out my account with TD. I was helped at another branch and got what I needed but the initial location in XXXX was disgusting and this matter should be looked in to further.
|
| 02/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX I received two emails from TDBank.com " welcoming '' me as to the opening of : 1. a TD Beyond Checking account ( XXXX ) and a TD Growth Money Market account ( XXXX ) and 2. a TD Convenience Checking account ( XXXX ). I called them immediately and was told by their agent ( XXXX ) that they would be reported and " flagged ''. Then on the next day ( XX/XX/XXXX ) I received another email from them reporting the two Debit Cards ( presumably one attached to each checking account ). I immediately called TD Bank and spoke with other agents ( 6 over 3 days ) -- each time I tried to get through to the Fraud Department I was required to give my SSAN to the agent ( s ) in order to progress to a solution. I called on XX/XX/XXXX at XXXX and finally got through to the Fraud Department . She ( XXXX XXXX said that the accounts were " flagged '' and I could not get anything in writing ( either USPS or email ) confirming that I had reported this problem to TD Bank or that they were actually closing any of these accounts. I asked to speak to a supervisor and finally got through to XXXX who would not give me any kind of trackable number or name that I had actually tried to close any accounts. She told me that I would have to get a police report and subpoena TD Bank in order to effect a resolution. Over the 3-day period, I was on hold or working with multiple TD Bank agents for over 5 hrs. I am sure that the person who went on-line and opened these accounts spent less time than I did in trying to get my name off of these accounts. I wrote a " snail mail '' letter to the CEO of TD Bank but I am sure that I will receive NO response.
|
| 10/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
I had a vacation rental in XX/XX/2021 and I had charged the rental on my Visa account. I had mentioned to the vacation rental company that my daughter had health issues and would need to bring her XXXX XXXX. I was told it was not a problem and I would need her certificate. Since the American disabilities act clearly was in the contact I had no reason to doubt that this would be accepted. The vacation home sold apparently days before i arrived and the new owners were unaware that I had been told this and they had cameras in the home. The agency charged me with a {$1400.00} cleaning fee texting the new owners that my husband had authorized this. I actually tried to work with the agency for several weeks, I had sent pictures of how I had cleaned the home ( which i should not have had to do but it was not clean, very dusty due to COVID shutdown my guess ) and the agency acknowledged my pictures and thanked me but were not able to get the new owners to even consider working with me so at that point I disputed the charge as the visa card company did not have my permission and I have not had a husband in 20 years and there has never been anyone authorized to sign on my Visa account. When I filed the dispute the VIsa company said that I clearly had a valid dispute. They basically took the response of the vacation rental agency and sent it to me claiming they were not accepting the dispute. I have done everything i can to try to hold the credit card company accountable for accepting a charge that was not authorized. They have now billed me and even sent me a threatening letter that if I do not pay they will report to credit bureau.
|
| 06/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I lost my wallet around the end of XXXX of this year and some of my credit cards were used, one of them being TD BANK credit card, I disputed a transaccin of {$840.00} from XXXX XXXX XXXX XXXX. I spoke to a representative and specified I lost me wallet with my credit card inside it and that I did not have card nor did I make the transaction. Around mid XXXX I realized the transaction was placed back in my account and I called to find out why and they told me that the representative who had originally took my call made a mistake and put that I had my card at the time of the transaction instead of putting that I did not have my card which is why i was charged. I asked for my call with the person to be reviewed so they can see I specifically said I DID NOT have my card and they told me they created a dispute and asked for my case to be reopened but nothing has happened, it is now XXXX and I have called about 5 times now, I have even spoke to a manager who was of no help and said the only thing they can do is ask for the escalation, i called again today and was told nothing is being processed and they can just escalate my issue but that it is on hold and my card is now asking me for a payment which I will have to make to not affect my credit but TD bank is not resolving my issue and I should not be held responsible for one of TD BANKS representatives mistakes! They are not offering me any help, nor any resolution for this, I am beyond stressed out, this is consuming so much of my time calling them over and over to get no proper response or solution which is just messing with my emotional stability and stressing our my days.
|
| 03/02/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
It started when i got XXXX for the FIRST time in the middle to end of XXXX. I was out of work for a month, and i could not leave the house. Fortunately, i had enough saved up to make all my payments on time. I returned to work and because of COVID 19, my company cut my pay 20 %. Then after a month of working at less salary then i was used to, i unforunately caught XXXX AGAIN. This time i was out of work for another month, both because i was sick and as precaution. This time i could NOT afford to pay all my bills when i was out. I fell behind on a lot of things but i was able to eventually catch up 5 months later and i have been on time and going strong ever since. I even got my original pay back. I was physically unable to pay on time and because of that, financially unable to do so too. I reached out to TD Bank, who owns the Target Card, and tried to beg with them to work with me, not on late payments, i paid them ALL OF THOSE, but on their credit reporting. They not only refused, they didnt even answer me. Those late pays in those months have destroyed my credit and even though i make good money now, i can not get into a house for me and my, now, 4 kids. We have been renting and are struggling all because of COVID and this company 's unwillingness to work with me even a little bit. I am not asking for " financial relief '', they can keep those late payments as good faith, i just am begging for all, or ANY, of the late payments between XXXX XXXX and XXXX of XXXX to be removed. I know the bureaus will report what they are told so this is up to TD Bank and they seem to just not care at all about customers or the family.
|
| 02/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Many years ago I had a cook two cards with XXXX XXXX and one with Target and each of those cards I was able to negotiate a pay for a deletion where I paid the account in full and they promised me that they were going to delete those accounts from my credit report and both of those companies have since reneged on the deal and they tricked me and manipulated me into paying these balances that I did not believe were mine in the first place in order to remove them from my credit report which are they went and they sent me a letter saying that it you know it was going to be deleted and I since have sent them this letter and I have not been able to remove these accounts from my credit reports are they have in my opinion in a committed negligence fraud and I would like to take legal action and sue them for all the violations that they made in these instances and him as I told them when I have calls are at least 10 times I have tried to dispute both of these are items so all three of these items are over 10 times with the bureaus and Ive been unsuccessful in each attempt and I have provided documentation to prove my case and these are for accounts that are paid in full and like I said they promised to delete them so they have reneged on their word and now they are costing me thousands and thousands in as they ruin my credit and I want them deleted immediately if they are not deleted in 30 days from this complaint I am going to pursue legal arbitration and Im going to take this up with the courts because Im done with this this is my last attempt to get a delete it if they dont delete it Im taking legal action 1000 % so thats it
|
| 07/27/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
It all started around XXXX on Saturday XX/XX/XXXX. I had dinner with a friend earlier in the evening and we had stopped off at a spa on that was open late. The massage ended around XXXX and even though I had charged my card inside the place, I wanted to leave a cash tip, so I went to the ATM outside. I put my card in and the ATM was acting bizarre. It had the XXXX XXXX and was spinning constantly. I tried a few more times and somebody came by to " help me '' with the ATM. I found it bizarre, but he just seemed drunk and helpful. I shrugged him off and told him I had it.
Unfortunately, no money ever came out and I just left. Somewhere along the way I must have dropped my card because when I awoke the next morning and my bank was negative XXXX. I don't know if the man who " tried to help '' stole my card and saw my pin number, but I do know what the charges were : -a {$10.00} deli charge - {$100.00} to XXXX XXXX two large ATM WithDrawls {$200.00} and {$800.00}, plus a bunch of balance inquiries at XXXX, with one of them in an entirely different borough!
I called TD and they cancelled my card, but said I would have to wait for the charges to clear to file a claim. The next Tuesday ( XX/XX/XXXX ), I was finally able to file the claim. I never heard back from my bank -- for an entire week. I reached out today and they replied that they couldn't prove that it wasn't me.
I am stupid, I know for dropping my card, but my bank clearly hasn't looked into the ATM security footage or any other point of an investigation. I have lost all faith in them and I don't want to stay there any longer, but not until they sort this out.
|
| 10/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
My issue started with an overdrawn balance of XXXX on the XX/XX/2019. I was not aware of the issue until receiving a correspondence form TD Bank in the US mail, that my account was overdrawn. The letter informed me that the account was overdrawn and a fee of {$35.00} was assessed on XXXX.
I then deposited {$140.00} on XX/XX/2019. I was surprised that the account was still negative ( XXXX ) I then deposited an additional {$100.00} for a total of {$240.00}. however, my balance was reflecting {$90.00}.
At XXXX XXXX I was able to speak to a platform clerk. He was able to help with reversing one overdraft fee of {$35.00}, a maintenance fee of {$15.00} and a paper statement fee of {$1.00}. He suggested that I speak to the manager of the branch., who would be available later in the day. I returned later on the XXXX but the manager was not available. I then came back the following day on XX/XX/XXXX again the manager was unavailable and the person on the platform would need an override key. I then went again yesterday XX/XX/2019 spoke with the manager, who agreed to credit half the fees and made it sound like she was doing me a huge favor.
Subsequently, I was able to get online access and could see that I was accessed an overdraft fee on XX/XX/2019 and again on XX/XX/2019. I am irritated that a XXXX negative balance has morphed into {$280.00} of overdraft fees and a {$15.00} maintenance fee for being below {$100.00}. The bank is engaging in unfair and deceptive practices.
I am attaching the account activity from XX/XX/XXXX XX/XX/2019and attaching an image of my account being accessed an overdraft fee today XX/XX/2019.
|
| 10/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Opened checking account with TD Bank in XX/XX/2020. There was a cash bonus offer in the amount of XXXX. I needed to get a direct deposit of XXXX into the account. The first qualifying direct deposit in the amount of XXXX went in on XX/XX/2020 within a few weeks from the account opening. The offer I listed below. I contacted td four separate times to inquire. Two separate reps stated that I should receive the bonus soon or sometime around 180 days from account opening. I received an email response on XX/XX/2020 stating bonuses are paid 140 days from account opening ; however, it was a generic email. I called today and the rep, XXXX, stated that I was not eligible for the bonus. I explained the scenario and she said she didn't see any notes from the previous reps and that their bonus offers expired in XXXX.
Perhaps one of their standard bonus offers expired but I submitted mine through an online affiliate site which routes you td 's site and provides all of the bonus information.
XXXX XXXX XXXX XXXX XXXX TD " Affiliate '' Checking account offer from " TD Convenience CheckingSM New customers can earn {$150.00} Get direct deposits of {$500.00} or more within 60 days of opening your account to earn {$150.00} Everyday banking perks with low minimum daily balance requirement Monthly maintenance fee waived when you maintain a {$100.00} minimum daily balance.
If you're ages XXXX XXXX, no monthly maintenance fee and no minimum daily balance requirement.4 View account guide '' https : //www.td.com/us/en/personal-banking/checking-XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
|
| 05/31/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
Older American, Servicemember |
|
In XX/XX/XXXX I was involved in Chapter XXXX Bankruptcy which required a notice of bankruptcy to be provided to all existing creditors. Upon dissemination of the notice some creditors took immediate action and closed my existing account. Since the bankruptcy involved a commercial loan and not my personal credit or loans I had every intention to pay any existing obligation as agreed. On the store card in question with XXXX there was no existing balance and I continued to use the card and pay any existing balance on the statement. The Bankruptcy was closed in XX/XX/XXXX and a schedule to pay the commercial lender was established and all other existing creditors were reaffirmed and paid as agreed including XXXX. In XX/XX/XXXX XXXX arbitrarily closed my account due my bankruptcy which was closed since XX/XX/XXXX. This action has become to sole reason for rejection of my credit application with XXXX XXXX XXXX, stating that XXXX XXXX action has started the bankruptcy clock all over again so instead of being over 48 months since the close of the bankruptcy I am less than year per XXXX XXXX XXXX 's policy. I owe no money to XXXX I was never late with any payment to XXXX. If XXXX wished to close my account or report in in bankruptcy they need to report while the bankruptcy was open not after it has been closed for 4 yrs. This action adversely effecting my ability to obtain credit. It is a violation of the bankruptcy code for any party to report/take adverse action after the bankruptcy is closed. This action by XXXX is unfair and is the direct cause of creating an unfair and harmful financial decision by a third party.
|
| 06/02/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I was charged {$350.00} in overdrafts over the course of three days.
I checked my account and realized I had pending charges that would put me negative if I did n't bring the account current. It was about {$5.00} in tota, l I would be negative. So a deposit was made and cleared by morning and my account was positive. But then the bank charged me for XXXX overdrafts from the day before. I could only see XXXX charges but they said that the XXXX XXXX is invisible and I do n't see it. ( Wait..What did she just say, I cant see it ) Its pending, I think is what she said. So I 'm like Ok. So when that pending transaction clears and posts, and I am able to see it, am I charged another overdraft fee for the same thing. Because that is what it seems like.
Anyways I did not know my account was negative so it all went down hill from there. When I realized it XXXX days had passed. I went to pay for my husband and son 's birthday dinner only to find I was overdrawn over {$200.00}. And when woke up to call another {$70.00} was charged. So they did refund {$70.00} back but I still dont understand what went wrong. I dont know if they are reordering the transactions or what, but I did ask them to take me out of whatever program I was in that that consents to them paying a charge for {$.00} and then charging {$35.00} for it. I would rather the {$.00} be declined. I am XXXX in a state that is very seasonal. I need all the money I have to survive and dont appreciate being charged a ridiculous amount of overdrafts when I have several accounts. I am seriously considering taking my business elsewhere, XXXX consumers deserve more respect.
|
| 09/28/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
To Whom It May Concern : I am a victim of identity theft. I have contacted your company directly and through a third party on numerous occasions beginning on or about XX/XX/XXXX through the current date. I have experienced ongoing derogatory impact to my credit and my life as a result of being exposed in the XXXX XXXX data breach. I was reported deceased by creditors and credit bureaus. In addition, I have experienced over seven known occurrences of fraudulent charges to my debit/credit cards which have resulted in re-issued cards and account closures. The information listed below is provided to assist with my identity restoration as a result of the damage I have suffered from identity theft.
I have requested assistance from your company on numerous occasions and you have been notified of my issue. Your company was notified that I am a victim of identity theft and declared deceased. In my situation your company failed to comply with applicable laws, rules and regulations related to company- wide handling of identity theft victims and deceased customer notification. Your company failed to align me with the appropriate department to address my issue and the subsequent account issues. Your company did not exercise due diligence to protect me as a consumer.
As an identity theft victim, I contend that my rights were violated under the Fair Credit Reporting Act and the California Credit Reporting Agencies Act. Please block this account and information from my credit report, pursuant to, and send the required notifications to all furnishers of this information pursuant to the : OBLIGATIONS OF FURNISHERS UNDER THE FCRA
|
| 08/08/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
To regulators, This is my 3 or 4th complaint against TD Bank. They are literally much worst than the problems of XXXX XXXX. Right now, there was a fraudalant charge that TDBank flag to me over text and ask if that was real. I answer back over text that its fraudulant. They text back they will review that over text. Normally, I expect them to freeze that charge like before, somehow their new run-around setup is all no help and fraud charge noted in the text answer stated above went through and posted on XX/XX/2019 after my additional message on the TD Bank website saying its fraud a second time.
After waiting about 6 to 8 hours, I went on the website to ask for update of my claim that its fraudulant charge. No answer over 24 hours. Then I called in, nobody understand nor care to fix the at-issue item I repeatedly stated about the fraud charge, they say " not my dept '' or " not my job '' run-around. Nothing gets done and a waste of time either going to through unending verification and then no help or a direct person that handles CFPB complaints and say its " not my dept '' can't really help. Thats why I am submitting another CFPB complaint to get actual help.
The only possible results has been asking regulatory actions against TD Bank and revocation of business due to repeated setup of harm to consumers and their access to service. I ask your organization to start regulatory reviews of TD Bank products and services. I only get anything done in help by official complaint and hope there's repeat heavy fines against the organization and their personnels.
The fraud charge was for " XXXXXXXX XXXX '' of - {$130.00}
|
| 12/19/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
On Saturday XX/XX/2018 I discovered my TD bank account was overdrawn by XXXX dollars. I discovered it was from an unauthorized TD discretionary overdraft program that I did not enroll in. I had called several months previously due to having overdraft charges and was told I would be unenrolled in program. I assumed any deficit in my account would result in payment being declined. I called my branch office and spoke to XXXX who explained to me that the feature was never turned off. I went into the office to sign form to turn off. I had my daughter make a XXXX transfer of XXXX dollars. I also transferred XXXX from my savings account. I reached out to customer service on XX/XX/XXXX because I was hit with more overdraft fees because they did not credit my XXXX transfer automatically as it has in all previous occasions. Customer service manager refused to credit my account because he did not have access to phone call that was made previously where I was assured feature would be turned off. My account is now {$190.00} still overdrawn. I am a XXXX adult that only receives XXXX and pension payments once a month. That is reason why I prefer to have my purchases declined and not to be provided payment for a cost of {$2.00} and be charged {$35.00}. Each day they charged me {$170.00} in overdrafts. Even when I made transfers to cure my default that was their fault for advising me that this feature was not on. They require you to sign a form to turn the feature off but I never signed anything to turn this feature on. I also was told by their customer service that I would not have this feature on when I called several months ago.
|
| 09/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On a monthly basis, I make a {$1000.00} mobile deposit from my XXXX Checking Acct. into my TD Checking Acct. XXXX for the sole purpose of making an internal transfer payment to my TD HELOC Acct. XXXX. This transactional activity is the only activity in my TD Checking account. The account is not used for any other purpose. This can be corroborated by reviewing all account statements since opening my TD accounts.
Historically, funds have been made available to me " next day '' upon which I make an internal payment to my TD HELOC Acct. On XX/XX/2018, I made a {$1000.00} mobile deposit as described above. The funds have been Debited at XXXX and still being held by TD Bank. After calling TD Bank for clarity, I was told a 6 Day hold was placed on these funds for fraud concerns. At NO POINT has anyone from TD Bank contacted me to raise this concern or inform me of the extended hold.
As a result, I now risk a late payment being made to my TD HELOC account, something I have NEVER experienced with any debtor at any point in my financial history. Consequences of a late payment may result in my TD HELOC interest rate being raised.
I am concerned that TD Bank is utilizing a 6 Day hold on my mobile deposit in order to prevent me from making an on-time payment and in turn increase my TD HELOC interest rate. I feel taken advantage of and don't appreciate that I need to go to a physical TD Branch in order to resolve this issue. This is unacceptable. Deliberately making it difficult for a customer to make a payment ( as I have done consistently without issue or change in variables ) is in my opinion, manipulative and deceptive.
|
| 12/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have TD Convenience Banking checking account and applied for and received TD Cash credit card. The first full cycle was XX/XX/2023 for this card.
In XXXX I set up " Auto-Pay '' to ON for minimum due on my credit card. My payments are due on first of each month. Auto pay is active since XX/XX/2023.
On XX/XX/XXXX I noticed Auto-Pay did not go through and {$29.00} late fee was charged. When I log into the app it says Auto-pay has been active since XX/XX/2023 and there is enough balance in my checking account for this payment to have gone through. I have screen-shots from the app available if needed.
On XX/XX/2023 around XXXX I called TD Banks customer service rep and spoke with " XXXX ''. I mentioned the issue and her answer was that due to a software patch the payments were'nt set up in their system. Yet I can see in the XXXX app that Auto-Pay is still active and ON.
This seemed troublesome to me as no mention of this was made by TD Bank in any form of written communication prior.
XXXX then transferred me to her supeervisor " XXXX '' upon my request. XXXX told me the same thing that a software update effected everyone whose payment was due at month end.
Since 100s or 1000s of consumers may have been impacted by this, I feel its necessary to report this. TD Bank should have sent a letter informing customers that Auto-Pay for minimum due would not have worked due to this software update error.
My opinion is this is a form of late-fee harvesting and needs to be investigated. I am available to provide corresponding screen-shots and my notes from discussion with representatives of the bank.
Thank you.
|
| 03/13/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I applied for a {$250000.00} HELOC. I have stellar credit. My assets and equity each are considerably higher than the loan amount. Everything seems to be fine. I receive a phone call giving me a rather vague explanation as to the reason for the loan declination. Though coincidentally in the days before this, I had revealed in conversation that I was going to visit family and friends in a XXXX country. After some pressing, I was given the ridiculous excuse that our building lacked the XXXX % owner occupancy that TD Bank now stated that they required. That was news to me, as they had gone through every step along the way prior to this. The revelation of this requirement was shocking to me, as this a fundamental point that is discussed in the preliminary stages, particularly in regards to coops. I believe that this alone is an ECOA violation in addition to equal opportunity to minorities. A quick phone call to my buidings management office revealed that our building was XXXX % owner occupied. Not only did TD Bank not reconsider this XXXX % margin, but they have refused to send me the reason for the declination in writing or where this unreasonable prerequisite is stated. TD Bank knew full well that I had waited until they had all of my documentation and they had assured me that all was fine, before I was to submit the application to my building 's coop board, along with the {$400.00} finance application fee they required. Reckless? Criminal? XXXX? We have nearly XXXX apartments in our coop, and a loan of this kind had never been rejected. My more than adequate salary, assets, equity and XXXX plus credit score aside.
|
| 06/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I have a credit card with TD Bank ending XXXX. I purchased photos from a local photography store. The owner came highly recommended from a picture frame store I did business with and was very happy with. The experience with the photographer was very different. I came home with my prints and the quality was awful and most of the pictures had heads or body parts cut off. I called the owner of the store and she did want to give me a refund. I had read reviews online that she was difficult and argumentative. I had a similar experience. However, she insisted on making the situation right by replacing the photos with better quality prints. She asked me to send them to her through a site called XXXX I went on there only to find the charge to send the prints was {$110.00}. I only paid {$36.00} for my photos so I would not use this service. She knew what she was doing. I filed a dispute with my credit card. I explained the circumstances to TD Bank that I did not return the prints since the photo studio was over an hour round trip and I had attempted to resolve the issue with my original call to the owner. The representative seemed satisfied with my description and opened a case. I just received a letter in the mail from TD Bank requesting a tracking number showing proof of return. I called TD Bank and learned they made a mistake and closed my case. I don't feel they have adequately handled this dispute since they did not listed to me when I stated I did not return my photos and they closed out my case without appropriately resolving it. If they need proof of a return, they never should have opened the case to begin with.
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| 11/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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After my Debit Card had been compromised and not realizing that it was linked to my XXXX XXXX XXXX which was for protection for my XXXX Phone sometime on or around XX/XX/2023 already a month past XXXX XXXX Sent me via email to update my payment information. Once I received my new card and remembering now that some 6 months ago I had the cell phone protection. I began trying over and over again to give XXXX the updated New Debit Card information ( No money was borrowed ) it never worked and I kept trying so after several attempts it worked. Thus, thinking all is good I began to receive Mailings from TD Bank not having any idea what this was for I finally called them and was told they got the money from XXXX for the protection of my phone.
Then after several attempts tying to contact XXXX and I mean a lot, almost always, getting disconnected or the wrong department I started with TD BAnk and went thru several attempts to rectify the problem. So finally I got the Manager at TD bank who gave me her Initials of ( XXXX ) and explained the entire thing she told me that if XXXX did this then TD Bank has no right to report me negatively to the Credit Bureau. Then she asked if I would stay on while she contacted XXXX. I said fine, but warned her we would get disconnected when she tried and we got disconnected and XXXX never called me back and I was never able to get her again. All of this for {$3.00} a month now I have negative items on my credit report and have no way to resolve it and TD bank keeps increasing the time and penalties after me thinking it was all good when I updated my Debit Card information with XXXX.
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| 12/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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I have a target card.
Problem 1 : After 2 months of having the account with target. I INFORMED THE TEAM MEMBER THAT I DONT GET MY MAIL ON TIME AND I HAVE A BUSY LIFE INPAY EVER BILL ON THE XXXX ....
ID LIKE TO PAY EVERY MONTH ON THE XXXX AND WANTED TO KNOW IF IT WOULD BE CONSIDERED LATE.
SHE SAID NO I WOULD BE FINE.
Moving forward. I paid every month on the XXXX ... then in would see late fees. I would call in and tell them what I was told they would just waive the fee..
AT NO POINT DID ANOTHER TEAM MEMBER TELL ME NO YOU CANT PAY IT EVERY MONTH ON THE XXXX ITS LATE.
OR YOU CAN CHANGE THE DUE DATE NOT UNTILL I SPOKE TO THE SUPERVISOR ON THE XXXX OF XXXX SHE REVIWED ..
AND INFORMED ME I HAVE LIKE 4 LATES THIS UPSETS ME WHAT WAS SO HARD ABOUT TELLING ME I in good faith paid my bill on the XXXX of every month ... I pay all my credit cards on that day.
Not one person made it clear I wasnt doing it right untill recent.
Problem 2 : A few months ago I had a prepaid card that I got my work pay check on.
I used the prepay card to make 4 credit card payments.
I had the funds in the account.
The payments begin to be sent back. Because the prepaid card had a policy that you can use it as a point of sale but not to make payments.
This was a simple mistake.
I called target BEFORE the payment was sent back.
BEFORE..
I ASKED WHAT I CAN DO .. I DONT WANT A RETUNED PAYMENT OR PENALTY..
THEY SAID JUST WAIT ...
NOW EVERY MONTH WHEN I PAY MY CASH PAYMENT I NEED TO WAIT ALMOST 2 WEEKS TO RECEIVE THE AVAILABLE CREDIT.
IM BEING PUNISHED FOR A ONE TIME ISSUE .. THAT I TRIED TO RESOLVE BEFORE IT BECAME AN ISSUE.
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| 07/04/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
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Web |
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TD auto reposessed my car, sold it in auction and I paid the difference. Was told that this account will now be deleted from my report due to full settlement however, TD auto reporting this account on my credit report as an active reposession account with outstanding balance and I still keep getting harassing called with attempt to collect debt from my on this paid in full and setteled account.
TD AUTO FINANCE Account number XXXX ....
Recent balance {$6800.00} as of XXXX/XXXX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$6400.00} written off. {$6800.00} past due as of XXXX XXXX.
In dispute cart XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Address identification number XXXX Type Auto Loan Terms 72 Months On record until XXXX XXXX Credit limit or original amount {$27000.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$500.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX.
my numerous attempts to communicate with TD auto went ignored ... i recently received a letter from them stating they are not a debt collector but that I still do owe them on this account because of the purchase note i have signed ... when i questioned the funds from the auction sale of the car and what i paid to them i was told by TD auto that there was no record of payment of any kind which is why they are still collecting from me .... where did the money go and why do i have to pay twice or be harrassed to pay for the account i have previously settled ... is n't this illegal? ....
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| 02/11/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
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Web |
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Ive had my Target red card since 2017, clean payment history, never delinquent. I have automatic payments set up from my credit union checking account, currently I was paying the minimum payment. My balance was getting a little high and I didnt want to pay 22 % interest on my balance I saved 5 % on at tik of purchase. I logged into their mobile app, and using the SAME checking account the minimum payment has been coming from, and selected to pay balance in full. A couple of days went by and I received a notice that I was past due. They claimed my checking account was close and payment was rejected, and charged me {$30.00} in fees! I called an told them that is the same checking account the monthly payment has been coming from and it is not closed. I reviewed my checking account history and no debit attempt was made from Target. I called regarding the account which was now 5 days past due and I was treated like a delinquent! They read me the attempt to collect a debt verbiage and they flagged my account with collection verbiage. I spoke with an account rep and they lied and said no fees were charged to my account, but my transaction history shows I was charged {$30.00} in fees. I was told they couldnt reverse a late fee they couldnt see. I was furious, told them to process my payment in full and immediately close my account. I consider this activity fraudulent and was charged additional fees for no reason. They are taking advantage of there customer and not following fair debt practices. My checking account shows the pending payment in full, but my Target account stills shows I am delinquent! This is not right!
|
| 03/20/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
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Web |
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I purchased a XX/XX/XXXX XXXX on XX/XX/XXXX. The vehicle was financed with XXXX. It was a three year 0 % interest loan. I paid the loan off in XX/XX/XXXX or XX/XX/XXXX. I went to trade-in the vehicle three weeks ago and discovered that I could not locate the title. I then completed an application for title to the Texas Department of Transportation with a {$2.00} fee and received back the attached letter stating XXXX had never released the lien. I spent over an hour and a half today on the phone with XXXX and got transferred ( no exaggeration ) EIGHT times. I ended up back to the same number I was given originally ( XXXX ; the title support company whom is a third party contractor used by TD Financial ) and conferenced them with TD Financial whom had taken over the loan accounts for XXXX. TD Financial had informed me that I need to speak with mytitlesupport.com and I demanded that TD Financial stay on the line and conferenced in XXXX so I would n't be transferred again. The bottom line is that XXXX ( now TD Financial ) never sent me my lien and apparently are going to " look through their archives '' to see if they can find the lien release. If not, they will send me a " no interest '' letter stating that the " no interest '' letter will work the same a lien release letter. And to top it off, the third party contractor will only research the lien for a {$30.00} fee ( {$23.00} on line fee ) when in fact TD Financial is the company that has the actual records but they will not send me the lien release directly because the third party contractor must be paid and TD Financial will not waive or reimburse me the fee.
|
| 03/21/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
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Web |
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My wife and I have had a joint checking account/savings account at TD bank in XXXX, NY. The checking account is called " relationship checking ''. It was opened on or about XXXX/XXXX/XXXX.
I looked up their different checking account plans and saw for the first time that they are not supposed to charge a monthly maintenance fee to process my accounts since I keep substantial sums between my checking and savings account held by them.
I noticed that I have been improperly charged $ XXXX/mth for almost 4 years. On XXXX/XXXX/XXXX, I met with assistant store manager, XXXX XXXX, who acknowledged the bank 's error and told me she would look into it. They only credited me {$100.00} instead of the almost {$1200.00} that they had improperly charged as maintenance fees. On XXXX/XXXX/XXXX, I met with Asst Vice President, XXXX XXXX, who said the bank would make no further credits to my account. He said that I should have seen the charge on my statements. I told him the bank was illegally profiting from its own mistake.
First, I was never told that my " relationship checking '' account was " maintenance fee '' free. If I had been aware of this, I certainly would have disputed it years ago. Second, they opened the account and their computer program never should have entered a monthly fee in the first place. Therefore, an employee of the bank must have altered the program or my specific account to do so.
Not only have I been defrauded by TD bank, but I am sure that I am not the only depositor who is or has been paying " maintenance fees '' unnecessarily since they do not advise their customers of any improper charges.
|
| 07/24/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
Servicemember |
|
I contacted XXXX on XX/XX/2023 after receiving an email saying that there was a problem with one of the documents I uploaded to verify my identity. On that call I asked the agent why didnt my mortgage statement suffice that I not only owned my home but lived there and she decided to get unprofessional and I asked to speak to a supervisor. However while the call was being transferred I was hung up on. I called again on XX/XX/2023 about being sent another document upload link to upload a copy of another bill. On that call I once again dealt with someone unprofessional who began to over-talk me. She did tell me that on my call that I made on XX/XX/2023, I stated the application was fraudulent. I said I never said anything about the application being fraudulent only that I didnt want to keep sending in all of my information because I dont know if any of them do fraud and will steal my information. I then asked to be transferred to supervisor and thats when I spoke with XXXX. She like all the other agents tried to over talk me and the proceeds to tell me that I did say the application was fraudulent. I said well then the call needs to be listened to and she responded theres nothing we can do and then refused to give me her employee ID when I said I was filing a complaint. Ill NEVER SHOP AT TARGET again because all of this felt like retaliation because I told the rep on XX/XX/2023 to talk to my respectfully and when she chose not to I asked to speak to a supervisor in which she hung up on me instead. Im also getting a lawyer involved since Target XXXX likes to use retaliation tactics to dismiss potential customers
|
| 11/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I have been out of work due to COVID19 since XX/XX/XXXX. In XX/XX/XXXX TD Auto gave ne an 2 months extentsion. As of XXXX still not back to work they granted me an extentsion but i had to pay XXXX interest in order to get extentsion. I was under the impression it was the COVID-19 extentsion by it being 2 months later. which the president signed into effect the CARES act and that creditors should try to accomodate consumers. they did grant the 2 momths. I am still as of today XXXX XXXX still not working and is onlt receiving the pandemic unemployment of XXXX bi weekly. I called and was denied the COVID-19 extentsion stating i already received the COVID 19 and Hardship and must wait to XX/XX/XXXX for another. when i called in XXXX i explained i still am not working due to underlying medical and covid-19 i though he extended me the covid relief payment extention instead he did a hardship and collected almost XXXX from me which i only get XXXX a month. now i am asking for an extenstion they tricked me into paying the XXXX dollars and made it a hardship which you can only request once a year. Wow what snakes. i am her with the COVID getting worse in florida no sign of me returning to work right now and i was denied any help which all comapnies where given relief funds to help consumers. i do not want to loose my car but this company is clearly about money. i have tried to reduce my payment due to creditors posting negative and missed payments on my credit file i can not re finance at this time. this is AMERICA the home of the Brave ... yeah right. the home of GREED. i want my extenstion granted by TD auto finance.
|
| 10/12/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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I met a Man online and asked me to borrow {$74000.00} and give me a fake business address associated with a real TD Bank account located in XXXX New Jersey. He asked me to wire the money to his business account located at TD bank account. When the money was wire from my XXXX XXXX account to TD bank, the fake business address was also sent over to TD Bank. However, TD Bank accept the wire but fail to check the business address associated with the real account. After I wire the money I realized that the business is a scam but the TD Bank account number is real and still open.
I am asking the CFPB to also look into TD Bank practices to see if td bank is following the law when opening bank accounts and verifying information when accepting wire transfer.
If TD Bank should have compare the fake business name to the real account and they should have notice that the business name and account number did not match. TD Bank should have rejected the wire and flag the account as fraud.
I am asking for TD Bank to investigate this fake business attach its name to a real TD Bank account and return the money to my XXXX XXXX account.
TD Bank account information where the wire transfer went into is : Account number : XXXX Routing number XXXX Also, this man is using a fake name XXXX XXXX also XXXX, also XXXX XXXX He has a paid XXXX profile for creditability under XXXX XXXX. If an investigator would like to investigate his real name you can contact XXXX, XXXX, and TD bank. He is currently a new member at XXXX under a new name XXXX XXXX I reported this incident to the FBI internet scam department, Attorney General, TFC, FCC.
|
| 01/25/2017 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
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Web |
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To whom may concern, I was charged {$520.00} as penalty to withdraw a CDs. Please allow me to demonstrate the unfairness from TD bank services.
XXXX. I tried to stop the transaction before it is completed. I opened a CDs online on TD website, but I realized my investment on TD was poor, and I tried to stop its process before it is completed. So within an hour, I called Customer Services to stop it, they said they can not and I need to go to the branch. I went to the branch ( XXXX ) right away ; the banker XXXX XXXX tried to reverse it for me, but he said the CDs is not on the system yet, so I have to wait 72 hours to come back for any action. I came back to the branch next Monday, Banker XXXX XXXX picked up my case and brought it up to her manager XXXX XXXX. XXXX brought it up to her Region Manager ( I can not get the name ). The top manager insisted I should pay full penalty.
2. I invested the CDs with Step rate of 5 years, and the first year rate was just 0.35 %. Why my penalty is too high? For step rate CDs, I can take out all my monies after a year matured. With the Cds amount of $ XXXX, I will make interest of {$260.00} for the first year. My penalty is {$520.00} which is much higher than the interest I would make.
3. TD bank did not give sufficient and clear information when I opened the account online. TD website did not clearly state the penalty of withdrawing a Cds. It makes it too simple to open a CD account.
Please investigate my case, I am complaining because the TD bank 's delayed process, the top manager 's disregard, the unclear high penalty, and insufficient provided related information.
|
| 01/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
I purchased several items from Nordstrom, the company that I have my Nordstrom visa credit card with. I returned some high value items in the mail, which has never been a problem. One box contained over {$2000.00} worth of merchandise. Another contained a XXXX watch totaling {$2300.00}. I have my tracking information that shows the date the first box was received by their agent, which was on XXXX 8over a month ago. The second box has been with their courier since XX/XX/XXXX. Nordstrom always refunded my money to my credit card after 14 days of no movement with the carrier.
Now, without any prior notice, they told me that I have to wait until they receive the items. That is unacceptable. I can not wait in perpetuity for their Carrier to hand them my returns. This is an issue they should take up with their Carrier and they should not be taking this out on their customers. Not only is my credit score going to suffer because Im not paying them for items that are now in their control, Im also being charged interestits like 20 % interest! That is just unconscionable. I should not be paying interest on items Ive returned to them WEEKS ago. Im sure theyre doing this to other customers. Ive tried to call multiple times to resolve this and even spoke to their supervisor who leads their investigations and financial services. He said they would not refund my money or even stop interest from accruing on amounts in dispute. Consumers should know that Nordstrom is no longer honoring their hassle free return policies and placing the burden on consumers for their incompetent courier services.
What can I do to stop this?
|
| 09/27/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
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Hi! I opened my Nordstrom Rewards credit card back in XX/XX/2019. I have made a few purchases and payments since then. I tried to login and make my payment on XX/XX/2019and was unable to get it. I called the phone number on the back of my card and they advised me after I made the payment that I needed to send in proof of my identity. I sent in a copy of my social security card, copy of my drivers license, and a utility bill. I kept calling to check on the status and no one could give me an answer. On XX/XX/19 at approx XXXX XXXX I spoke with XXXX operator ID XXXX and she said to me that she is closing my account because something is wrong with my social security number and I need to call the social security administration. I do know that isnt true because I have opened several accounts and just purchased a car, not to mention file my taxes with the same social security number that I have had for 43 years. I said to her that I do believe its a act of discrimination because you didnt close it until I send the copy of my drivers license. I have had this account since XXXX and my social security number had to be verified when you gave me the account. I have made my payments and extra payments. XXXX also asked me twice oh is this the first time this is happening to you and I advised yes I have several accounts and have never had this issue. XXXX advised it was her decision to close it and I advised I will obtain me a lawyer. This is not right and something needs to be done about it. Thank you. This has also been going on for almost a month and I have yet to receive any correspondence in regards to this matter.
|
| 09/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
In XX/XX/2022 I called TD Card services to inform them of suspected suspicious activity on my secured credit card account. I was told that my concerns would be taken care of and that I would receive a follow-up call from a banker. I did not receive a follow-up and I called TD Card Services again in XX/XX/2022 to reiterate my concerns. During this second conversation, I was told that the window to review fraudulent activity on the account had passed and that I could not file a complaint. I explained to the supervisor that I initially spoke with a representative in XX/XX/2022. I informed the supervisor that my card was lost/ stolen and that I could not access my online banking portal in addition to being unhappy that I could no longer have my issues resolved. I was told to enter a branch to have my needs rectified. I informed TD Card services that I was unhappy with the service as I felt my consumer rights were violated.
TD Bank did not investigate the fraudulent charges, and I could not enter into my online portal to monitor the account or auto-pay the account. Even after voicing my concerns they made no effort to help me access the online portal or receive a new card. I have been charged numerous fees and interest on the card even though I have not used the card in over 6 months due to the card being lost/ stolen and security concerns.
TD Card Services has since closed the account and have refused to remove late payments caused by my inability to access the account, and major concerns surrounding the security of the card. This experience has negatively affected my ability to buy a house for my family.
|
| 05/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
TD Bank fixed payment furniture loan {$2500.00}. Received at XXXX XXXX in XXXX. Paid {$60.00} a month on time until XX/XX/XXXX. Was advised by XXXX XXXX XXXX, a debt consolidation/reduction company to stop payment because they will be settling the debt with TD bank. We are now paying XXXX XXXX XXXX to negotiate with TD bank to clear the debt. I have spoken with TD bank every month since XX/XX/XXXX that we are using XXXX XXXX XXXX. They make a note and tell me that XXXX XXXX XXXX has not called them or reached out to them and Clear One has to call them not TD bank call XXXX XXXX That they can call me reguardless. XXXX XXXX has stated that TD Bank has received correspondence from them and they are in negotiations and shouldn't be calling me. TD Bank called me at my employer and couldn't tell me how they got that number I told them to stop calling my employer. They stopped calling my employer but still call my cell phone. They call XXXX times a day except for Sunday. I spoke to a higher up person in TD bank twice in XXXX and XXXX and they told me they would note the account but they still have to call me. They never leave a message just call XXXX times a day. They now lowered my credit limit on the furniture loan below the amount of the loan now showing I have gone over my credit allowance. They have sent info to the credit bureaus about that. They have sent me letters threatening to send me to collections in XXXX even though they have noted im using XXXX XXXX XXXX to settle the debt with them.
This has lowered my credit score from XXXX to XXXX in a short time.
The number they always call me from is XXXX
|
| 06/07/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Older American, Servicemember |
|
I became aware on XX/XX/23 that a virtual credit card account had been opened in my name through XXXX when I received a letter from TD Retail Card Services asking me to verify a change of address for my account and to call them if I had not done so. When I called their number I reported that I had not opened an account through XXXX and they opened a fraud case XXXX and said they would mail a form for me to complete and return indicating that I had not opened the account. On XX/XX/23 I received the Declaration of Fraudulent Activity Statement which I completed and faxed to them on XX/XX/23. The letter that came with the form stated that they would use it to complete their investigation if received within 14 days. I called TD Retail the following day and was told my fax had arrived. I next received a letter from them stating that my claim was denied due to confirmation paperwork that XXXX had delivered XXXX products to a mail drop service to a company in New Jersey, which was the XXXX used to change the address XXXX day after the account with XXXX was opened with my address in Iowa. My recent attempts to contact the company have been ignored and I have filed a report with my local police department as well as a complaint has been sent the company from the Consumer Protection Division of the Iowa Attorney 's Office. From the delivery copies the company sent with their denial letter it looks as though XXXX XXXX phones were delivered with a total amount {$3500.00}. I have placed a freeze for myself and my husband with the XXXX major credit reporting companies to prevent any further cases like this, hopefully.
|
| 02/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
Nordstom/TD Bank is in violation of the FCRA 623. On XX/XX/XXXX, I put them on notice in regard to the errors in their reporting. This letter was sent via USPS priority mail. As of today, XX/XX/XXXX, I have yet to receive a response and the errors are still reported.
The account with was opened in XXXX. TD Bank does not start reporting of the account 's payment history until the first delinquency event. This means all positive payment history prior to the late payment is not reported. This is a violation of the FCRA as the account must reflect accurate and COMPLETE information. I find it suspicious that the creditor can report any negative history, but for dates on which payments were made on time, it is reported as " no data available '' even if those on-time payments occurred in the same year as late payments.
Additionally, TD Bank is reporting two accounts that are the same account but have different account numbers. Last week, I spoke to a representative in the credit department that stated that they were the exact same account. The second account is reporting positively to the credit file but is also reporting a balance that I do not owe. This information is inaccurate and despite my calls, and disputes through XXXX as well as my dispute directly to this creditor under FCRA 623, my rights have continued to be violated.
The creditor had 30 days to respond to my FCRA 623 dispute and failed to do so. The law is clear in that they are required to delete the account under federal law. Clearly, that time has surpassed. I have attached the original letter sent to the address listed in my credit file.
|
| 12/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I financed a XXXX XXXX through their finance company - TD retail card services. I was charged a monthly fee for insurance, which would continue after I had paid off the phone. I paid off the phone and the {$11.00} XXXX XXXX charge, with the {$1.00} sales tax ( I think this is fraud also ) added for {$13.00} a month. According to XXXX, that would be for a maximum of 36 months.
I got an email from XXXX stating the subscription order was cancelled due to reaching 36 months and all subsequent auto renewal orders were cancelled. So I did not pay the XXXX due in XXXX, for XXXX insurance on the phone. then I got calls- XXXX a day, to pay that XXXX. I logged in to my account XX/XX/2022 stating the above and to remove the late charges and the XXXX charge for XXXX and XX/XX/2022. Payment phone calls keep coming. They did not remove it. I contacted XXXX saturday, XX/XX/2022. the rep told me it was cancelled. I told him it was not, because I was getting about XXXX calls a day for payment. He said he would send it to the back office. I got no reference number - I was driving.
I called again tonight, Monday XX/XX/2022, to see if it had been resolved.
I was told XXXX ) it was cancelled for me by the rep again XXXX ) I had to pay the charges on the card with late fees etc are now probably closer to {$80.00} and XXXX ) no reference number for my issue.
I told her the charges needed to be reversed and the late fees taken off, I was not going to pay those fraudulent charges. She said I had no choice, they would not reverse those charges. The XXXX number i had called- referred from chat online with XXXX XXXX is XXXX.
|
| 08/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
{$2000.00} was stolen from my checking account. On XXXX, I was scammed by a fake TD Bank Fraud Services Representative who sent a text from a XXXX digit number asking about a charge that was made to my card asking to confirm if it was me. I responded with NO and then received a call from ( XXXX ) XXXX which said TD Bank. Asked me about 3 charges to my card : No XXXX. XXXX something dollars to XXXX XXXX XXXX in Florida.
No. XXXX. XXXX something dollars to XXXX in Florida.
No. XXXX. XXXX something dollars to a grocery store in Florida.
I declined all 3 charges and the Rep proceeded to say, also the person is requesting to take {$3500.00} out of my account as well through an ATM. I obviously was like what, well let 's shut it down. And he was like " Okay, we will refund the money into your account you're going to receive a text message. '' I then received the text from a XXXX digit number and he said, " Did you receive the text? You need to text back your username with the work cancel after it. '' I did. He said the money would be sent back in the same way it was being withdrawn.
Then I received another text saying XXXX will be refunded to your account. Please respond YES or NO.
Responded YES. Texts kept coming.. XXXX, XXXX, XXXX, and the guy was still on the phone and said : " Keep responding yes, I'm just going to work here quietly if that's okay? '' I say okay.
After about 6, they stopped. The call ended.
I called back TD Bank, they transferred me to the fraud department and said it wasn't them who called.
Now there is nothing TD Bank can do. {$2000.00} was taken from my checking account.
|
| 09/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
XX/XX/2019 - I'm an XXXX veteran with a service connected XXXX. I made a XXXX tip after paying for the XXXX while in XXXX CO. The card and account was locked due to the XXXX transaction. Contacted the TD Bank, XXXX, NC and the customer service department number on line regarding the error in locking the account. Verified all my information. My account was opened in XXXX or XXXX and the telephone number and email addresses have changed since the account opening. They indicated they could only text the new passcode to my old number ( which I no longer have the phone ) or I had to physically go to a TD Bank. The closest TD Bank from my new location ( XXXX XXXX, SD ) is 24 hour drive one way to NC. I do not have funds since they locked my account to drive, feed my family or pay my bills. This is causing extreme hardship, anxiety and stress. After explaining to supervisors of the call center and local bank they still insisted I had to physically go to TD Bank and there weren't any options to mail me a form to update and get a new passcode to access my account or have it unlocked.
XX/XX/2019 - Again contacted the consumer contact number and the local bank to again try and explain the situation and the locked account. They indicated they verified who I was ; however, since the telephone number was no longer a valid number I would not have an option to receive a passcode. They indicated they could not email a form, accept verification from another Bank of my identification or wire my funds. Only option they kept stating was to physically go to the Bank. This is causing an undue hardship on my family and myself.
|
| 01/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
In XX/XX/XXXX, I put a check in the mailbox made out to the IRS for $ XXXX. Somewhere along the way a fraudster stole the check while in route and either sold it to a third-party to wash and cash the check or washed it themselves and deposited it into their bank account.
In my banking portal ( XXXX ) I have images of the washed check since it was deposited at a bank, TD Bank. XXXX says that they are not liable and I need to contact TD Bank to try to claw the money back from them or the bank account holder.
I filed a police report and XXXX said they were not liable. I then worked with the detevtive who I filed the police report with to send a subpoena to TD Bank but they are claiming to have no knowledge of the bank account or individual, even though I shared all of the details ( images of the stolen check, name of depositor, date the check was deposited, location the check was deposited, etc etc ).
I would like TD Bank to investigate the owner of the bank account where it was deposited or at least provide tho bank account owners details with the detective working on the case so I can recoup the money.
I have all of the details of the incident, a police report, and a subpoena.
Attached are images of the front and back of the stolen check that was deposited. Below are details I got from XXXX on where the money was depoisted : Bank : TD Bank City and State : XXXX, Maine Zip : XXXX Bank branch number* ( ie 'cost center ' ) : XXXX Date check was deposited : XX/XX/XXXX Lastly, here is the subpoena number that was used and filed with TD Bank by Detective XXXX of XXXX XXXX : XXXX / XXXX ( Ref : XXXX )
|
| 11/14/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I called TDBank credit card services on XX/XX/18 around XXXX to inquire about lowering my interest rate on my card Ive had for XXXX XXXX years. The first representative that answered my call stated that currently TDBANK does not offer any reduction in interest rates. After I explained Ive been a customer for 6 1/2 years and Ive made consistent payments the representative went on to say that TDBANK only lowers the interest after looking into the account and history and credit score. I explained that Ive never received an offer of any kind or message that they have looked into my account. She went on to say that they would offer me a lower credit if I had an increase in my credit score which I went on to tell her that I actually had a recent increase of 14pts and definitely have had an increase over the past 6 years. After going back and forth, I asked to speak to a supervisor. The supervisor came on and stated that TDBANK is currently offering no decreases any customers interest rates. I asked why then did the previous representative tell me that they look into the accounts and that i would get one if my credit score increased? She said that that was untrue and that the person must have been new. Its hard to tell whats true and whats not with all the misinformation. TDBank Was not only uneilking to work with me as a customer but worse was unable to give me accurate information regarding their policies around lowering interest rates. Ive called in the past as well and they told me to look out for promotions in the mail regarding lowering my interest. I have yet to receive anything in the mail for 6 years.
|
| 10/26/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I withdrew XXXX dollars from an ATM. I accidentally hit check my account balance prior to withdrawing the money. Only through diligently checking my online account balance did I notice I was charged three ( 3 ) fees for that transaction. {$2.00} ATP fee paid to the ATM company. A {$3.00} fee paid to TD bank for balance inquiry and a {$3.00} fee paid to TD Bank for using a non-TD bank ATM. The balance inquiry fee was given without notice.
It's bad enough to have to pay my bank to use another ATM to get my own cash that they're making money off of, but to pay a fee to see my balance without that fee being disclosed is ridiculous. I called TD Bank on XX/XX/2018 to question them about this and initially the TD Bank representative told me that the {$3.00} balance inquiry fee was not from TD bank it was a fee paid to the ATM owner. Only after stating that this was not true and the ATM could not charge me fees without disclosure did the representative acknowledge that the {$3.00} dollar ATM fee and the {$3.00} balance inquiry fee were charged by TD Bank.
The representative did check to see if I could be refunded the {$3.00} but the call was disconnected prior to any resolution. I know a class action lawsuit was filed and won against TD Bank for charging superfluous fees. It seems like they're back at it again. I felt it my duty to bring this to light to prevent TD bank from stealing millions of dollars in fees from their customers. I'm sure that this complaint won't bring about any change but hopefully it's a beginning and I'm sure that I'm not the only one who's filed one against TD Bank for this reason.
|
| 06/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
We applied for a mortgage loan at td bank XXXX. They are not following through. Our representative does not return calls or emails from us or our realtor, and I now have no confidence that our loan will close in the near future. We escalated to her supervisor and were told any delays were our fault and a lack of communication and that we needed to call her, not that she answered, so we just left her another message. After leaving 2 messages she called and we happened to be at our local branch so we got on a conference call go over the papers that were emailed and had point out that the ones she said were missing were in the email. Every time we do reach our representative to get an update, she informs us that we are missing information and we are given a new list of things to send. Our assigned lawyer called us to say he does not work in the area where our property is, and the bank was not returning his call. Our assigned appraiser does n't work in the area either, which we found out when our realtor called the appraiser to get a status. Neither of these issues has been addressed at this point. Our closing was already postponed from XXXX XXXX to XXXX XXXX, but with out a scheduled appraisal there is no way they will make that date. To top it off, she told us we had to have a standard rate lock signed for them to proceed with the loan, so now if we cancel we will own them more money than we would to complete the loan. At this point we are ready to cancel and go with another lender, not because we do n't want a loan, but because they have given us reason to believe we are wasting time working with them.
|
| 02/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
Older American |
|
I have a Target XXXX and added my daughter as an additional. The card limit is/was {$7000.00}. My daughter rented a car from XXXX XXXX XXXX in XXXX XXXX, AR and the charge showed on XX/XX/2022 as {$170.00} from XXXX XXXX XXXX. The Target XXXX reached it's limit at that time. While my daughter kept the car beyond the weekend of rental, XXXX XXXX XXXX never charged any interval amounts to my card and according to her call log never reached out to her, while the car was still in her possession. There was nothing showing from XXXX XXXX XXXX until, the car was returned XX/XX/2022, my statement showed someone at Target, instead of declining, paid the charge of {$13000.00} to XXXX XXXX XXXX, making my card over {$20000.00}. XXXX XXXX XXXX did not and will not send me an itemized bill of the charges and I asked Target and it was stated they didn't have one and I would have to go back to XXXX XXXX XXXX for a receipt. Never received one. As I stated my card was at its limit of {$7000.00} at that time. I did dispute this charge and Target gave me no resolution and didn't agree with me that negligence had been done from the employee of their company because the amount should have been declined. Target did not agree with me and stated to me its a valid charge because the charge was authorized, I didn't agree as I have never had that to happen to me before. When I have always reached my limit on a card, any charges over were declined. I need help with this situation as I'm an older woman, XXXX, and worked for the federal government all my working life until I retired. Feel free to contact me. Thank you in advance.
|
| 12/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have my mortgage and my checking account with TD Bank and I pay my mortgage via online transfer on their website every month on the first of the month. Their website only shows the total outstanding balance on the mortgage, not the monthly payment, and I haven't been receiving statements so I pay the same amount each month. In XXXX I paid my mortgage on the first of the month like I always do. On the XXXX, XXXX days after the grace period to pay, my husband received a phone call from TD Bank that my mortgage hadn't been paid. I called them immediately and I was told that my mortgage had increased that month by {$82.00}, which I had never been made aware of, and I was short that amount. I went online during the phone call and immediately transferred over the additional funds to cover the full amount and I was told that the late fee would be waived. Today I was told, over the phone when I called to confirm the amount of my payment since I am still not receiving mail from the bank, that there was an outstanding late fee on my account in the amount of {$23.00} that could not be waived. My actual mortgage payment, the amount that I owe TD Bank, was paid on time, but they chose not to apply any part of my payment until the received the additional amount, which they did not notify me about until after the late fee was applied and which I paid immediately upon learning about it. I have XXXX bank accounts with TD Bank, so they already have all of my money. They should not be charging a late fee on an account that was paid on time to the best of my knowledge with the information that they had provided to me.
|
| 11/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This is my second complaint. TD Bank sent a letter after my initial complaint saying they would correct the error. That has not happened. In fact their team says the current information on my credit report is accurate. Below is my initial complaint.
In XX/XX/XXXX I purchased a treadmill through XXXX. However after 3 failed delivery attempts I decided to cancel the order in XX/XX/XXXX. I never received the treadmill/had it in my possession. Nordictrack failed to notify TD BANK that this occurred, as a result I have a balance due and have been reported to the credit bureau. This is affecting my credit score negatively, hindering me from purchasing a car that I so desperately need at the moment ( I recently totaled my car with my newborn ). I filed a dispute the first week of XX/XX/XXXX with all 3 credit bureaus. TD Bank recently submitted their conclusion after their investigation, they are still reporting that I have a balance due. TD Bank failed to notify me of this balance, nor have they corresponded with me during this dispute. They claim they've emailed me, yet each time I call they said I opted out of email, or maybe its an I.T problem. Ive been in contact with Nordictrack. They claim they have processed a credit back to TD Bank since XX/XX/XXXX and TD Bank should have it. TD Bank says they don't see anything from XXXX. I have spoken to both companies everyday for the last few weeks and it seems they are not communicating in order to rectify the problem. TD Bank also falsely claimed that I reported this as fraud. I immediately emailed their fraud dept, resolutions team and have gotten no reply.
|
| 07/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
I have a personal loan with TD bank. I paid it online through my XXXX checking account. TD Bank ( as many other vendors ) can't get an electronic transfers from XXXX directly, so XXXX issues paper checks and sends them through a regular mail. I took this loan in the spring of XX/XX/XXXX and up until XX/XX/XXXX there were no problems - I made payment online, XXXX cuts and sends the check, TD deposits the check. Starting on XX/XX/XXXX of this year all my payments started returning to back me. Every time I called, I got the different answer : it's XXXX 's fault, we didn't get anything, we don't know, the company that XXXX uses is at fault, maybe an account number is incorrect and I have to add XXXX XXXX before the account number ( didn't work ), the mailing address is incorrect ( I copied it from TD web site ). TD 's system is being updated, etc. TD bank also switched me on " no paper '' billing, even though I didn't ask for it and, even though, many times I asked to get back to paper bills, there are still no bills at all, not over the mail, nor by email. I get call, from tine to time though, when unidentified person asks me to confirm my address and DOB. when I ask why, I am told that they couldn't tell me unless they have a confirmation first. My explanation about potential identity theft falls into a deaf ears. Meanwhile, every once in a while TD bank fines me for not paying in time, which obviously could reflect negatively on my credit history. Once I was advised to pay through they web interface, which I tried. Twice I managed to do it, but every time it took two weeks of attempts to get through.
|
| 05/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.
|
| 03/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Older American |
|
TD bank is involved in this large fraud as I am not the only one. Two accounts were opened for me, a checking ( I got these checks in the mail ) and a XXXX XXXX.
The account was opened in XXXX when I called the bank they said it was opened on line, so there was no way to track how it was done. There was no help from them actually extremely rude. And later I found out that this couldn't even be done over the phone and I needed to prove to them who I was. SO I asked when I supposedly open the account how did someone proved it was me then. It was done on line they said, so I can't close it over the phone but you can open it without a pic ID?
Of course I immediately called again spoke to the fraud dept. but heir costumer service which transfer me they did so to everyone under the sun, yet no one that was really in charge. Finally someone said we are closing this account, report it to your credit bureau and the police if you want, and freeze your credit report.
After I thought the matter was done I got checking books, statements with an amount of {$5.00} and more statements letting me know that there was a transaction one XXXX a person called XXXX XXXX sent {$10.00} with 2 different transactions.
Later more statements letting me know I was overdrawn {$5.00} I have received statement after statement although I called them to close these accounts again and again and even went personally to a branch to resolve this problem, today the end of XXXX I am getting more statements. I asked how can this be done without any ID? I don't know it was her answer, extremely rude woman here in XXXX XXXX XXXX XXXX.
|
| 03/15/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
Older American |
|
I acquired a XXXX credit card at the store during a purchase to gain a discount on the purchase. A week or two later I received the actual credit card in the mail. I went online and activated my account. I selected the choice for " electronic statements ''. I assumed I would either receive my statements electronically each month, or notification that me statement was ready on-line. This is what happens with all other credit cards aI have.
That is not what XXXX does. XXXX makes no notification to the consumer, at all. It is incumbent upon the consumer to remember to regularly check their on-line access to their account to get their statements and pay their bills.
So, I forgot about the account and went months without paying my bill, no realizing I owed anything. In the mean time XXXX kept assessing late fees and penalties. Then they reported it to the credit agencies and my credit score went from the high 700 's to the low 600 's. Now its an issue because I applied for a mortgage loan for a new house. Had I not applied for the mortgage loan, I would have not found out I had this problem.
I now called XXXX 's collection agency and they would only waive two months late fees. I ended up having to pay {$98.00} for a total of purchase that were less than {$25.00}. I think this is obviously ridiculous. It seems this is designed to extract more money from people. Now I have to wait two days and call XXXX ( they block you from contacting XXXX directly and reduce your access to your on-line account access until you pay the bill with the late fees.
I doubt XXXX will do anything to fix my credit score.
|
| 08/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XXXX XXXX XXXX issued a credit card when I only had a store card with them. I did not give them permission to do so and they sent it to my old address that I no longer live at. I have been disputing this since XX/XX/XXXX. I call literally every two weeks and they give me the run around. I was informed by MULTIPLE people in the department that I was not responsible for payment until their was resolution in the investigation. They still have not resolved it and I was informed by my EMPLOYER when I went to get a mortgage that they reported me 90 day past due. I paid it off and I am still disputing it but I needed it to stop reporting to my credit. They refuse to remove the past due because they claim they have let me know the dispute was n't resolved due to lack of information received and they need a better police report. I can only provide what the XXXX XXXX police department will give me and that is all they have. I have called over 50 times and have asked countless people to please call me back and tell me exactly what I need and no one will reach out to me. I am told " it 's not their responsibility to call a client '' this is damaged my credit beyond belief. I went from a XXXX to a XXXX. I want this past due removed and I want their dispute practices investigated. You can see from my records all the times I call and BEG for someone to call me back and no one will. Every time I speak to someone in customer care they are appalled by their lack of professionalism and promise a manager will call me back and no one ever does. It is disgusting and they should not be allowed to to this to consumers.
|
| 02/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
This compliant is still on going. I resubmitted my modification application on XX/XX/XXXX and we are still stuck on the same issues. I did provide proof of income with my application to support the last three months of unemployment. TD Bank is requiring that I provide a " Current Benefits Statement '' from my State unemployment office. I have called the State numerous times since last year, and no one that I speak to knows what a " Current Benefits Statement '' is or how to produce one. I did submit three months of my benefits from the unemployment website. I can submit a XXXX for XXXX and have offered that as an option to support my income. If TD Bank believes that a " Current Benefits Statement '' exists, then I am guessing they have seen many this year and I've been talking to the wrong people. They should provide me with a blank copy that I can share with the State so I can move this along please. Also every government form has a form id or number which also should be made available to me by TD Bank.
On XX/XX/XXXX, I emailed XXXX XXXX who introduced herself as someone that was going to help me with this issue. It has been over a week and she has not responded to my email or called me. I am requesting that I be provided with a contact that is a loan officer who can speak directly to the loan application process. This is how banks like TD Bank used to operate. I also want to know if either of my mortgage or HELOC are located in TD Recovery, and if so, why? I have never missed a payment. Lastly, I need a weblink that show the current mortgage and HELOC rates for both of my loan types please.
|
| 11/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I sent a letter certified mail dated XX/XX/XXXX to XXXX XXXX XXXXCredit disputing late payments and the accuracy of those late payments. I was very detailed in my letter which stated the following " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing the account is being reported ''. The letter was received onXX/XX/XXXX. I pulled my credit report from XXXX datedXX/XX/XXXX. According to the FRCA section 623 ( a ) ( 3 ), a data furnisher is supposed to contact the credit bureaus on behalf of the customer any time a customer questions a line item that is reported on a credit report, and mark the item as being disputed within 30 days. This account was not marked in dispute. I pulled my XXXX report again on XX/XX/XXXXand my account was not marked in dispute by XXXX XXXX XXXX. I also sent letters to XXXX, XXXX, and XXXX disputing the late payments of this account onXX/XX/XXXX and all three credit bureaus reported the late payments were valid, and my account was not marked in dispute. I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX that had a statement fromXX/XX/XXXX. I never requested the statement only validation of the late payments. XXXX XXXX XXXX has violated section 623 ( a ) ( 3 ) of the FCRA by failing to provide validation and marking the account in dispute within 30 days and I am requesting all late payments be removed. Please see attachments for all correspondence.
|
| 11/23/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
Trying to close on a XXXX with TD Bank. We were told in an email " You can schedule your closing at your desired location, time, and date, after XX/XX/XXXX. Please let me know what location and date you would like to close. '' We suggested XX/XX/XXXX ; we received the reply " I would not be able to hold this closing until XX/XX/XXXX. Documents on file will expire, I would also need to pull new credit and send the file back for underwriting review. '' When we asked for the specific closing date, we received the following reply : " You can schedule your closing the week of XXXX. Our branches are open except for XXXX. If you wait the following week I would need to pull all new documents, credit, title etc. '' We replied back : " To confirm : does this mean that XX/XX/XXXX is the expiration date and when we need to close by?
I am aware that TD Bank is open next week ; however, that is a shortened work week combined with a holiday, meaning that it's logistically more difficult for us to come in to close that week.
If we have to close by the XXXX, then Monday the XXXX at XXXX will work for us. '' This was on XX/XX/XXXX ; we never received a reply. We followed up with our local branch and were able to schedule a closing for this Friday.
This was eventually resolved but I am concerned that we never actually received a straight answer to the question of when we needed to close by. If closing needed to happen by a particular date, why wasn't that mentioned in the original email, or any of the subsequent ones? If we were traveling this week, we might have had major issues trying to close this loan.
|
| 07/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I filed a Chapter XXXX bankruptcy that was granted a discharge XX/XX/XXXX by XXXX XXXX. I did not sign a Reaffirmation Agreement and I kept possession of my XXXX XXXX financed through T.D Bank and continued my payments. After a car accident the XXXX was deemed totaled by the insurance company and T.D Bank was paid in full and T.D Bank actually was overpaid and had to cut me a check for the difference.
T.D Bank has repeatedly reported to XXXX credit agency incorrect and negative account information. I have reached out to T.D Bank via mail and telephone and T.D Bank has not responded or corrected the errors that were reported to XXXX ( This has been an on-going issue since XXXX ) I have submitted multiple credit disputes with XXXX regarding T.D Bank violating the Fair Credit Reporting Act, each time the dispute resulted in XXXX adjusting or deleting the incorrect and negative account information reported by T.D Bank and within days T.D Bank would report new negative and false information to XXXX. The most recent being XX/XX/XXXX, T.D Bank reported one week that I was currently in a active XXXX XXXX and after I submitted a dispute XXXX deleted it. Within days T.D Bank reported that an account I have not had in ten years was delinquent, missed payments for 30, 60 and 90 days as recent as XX/XX/XXXX.
T.D Bank violating the Fair Credit Reporting Act has played a huge role in qualifying for credit line increases, qualifying for low loan rates, credit denial and completely stopped my pre-approval for a mortgage.
My lawyer sent a letter to T.D Bank requesting they correct the errors immediately.
|
| 03/19/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
I received a text from TD bank on XX/XX/2021 that they had suspicious activity on my savings account. I talked to them immediately and told them that I didnt make these withdrawals. XXXX was taken out 8 times plus 3 inquiry fees for 9.00and 8 ( XXXX ) fees for atm fees totaling {$1600.00}. I told them I thought I knew who fraudulently withdrew this money as I found out this man has a long criminal record for stealing, burglary and grand theft. I filed a fraud complaint on XXXX and also a police report the same day. 2 days later I was told it wasnt fraud. I filed another fraudulent claim to dispute this on XXXX. Once again they denied it and said it wasnt fraud they said cause they said I compromised my PIN number. I never gave this man any personal information about me. He is a convicted felon and probably somehow seen my pin. I dont know how he figured it out! So I contacted the XXXX on XXXX. They sent me a response on XXXX that Td bank still says it wasnt fraud! The XXXX county sheriffs office supeoned Td bank for the atm location so they could review the film to see who withdrew the money. On XXXX the sheriffs office contacted me to say that they would have to close the case because Td bank didnt know what atm the money was withdrawn from. XXXX said that if I couldnt get that film to show who withdrew the money on the XXXX th of XXXX, I wouldnt be reimbursed the money that was taken out of my account! I dont know what else to do. I am so very very upset and I dont think its fair that I have to go through all of this. I am the victim and I thought I did everything right to get my money back.
|
| 10/27/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
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Web |
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From when I opened my first checking and savings account with TD Bank, I was wary of charges and fees I wanted to avoid. I was told the account I opened was best for my needs as a college student and consumer. I was not explained about exactly what the overdraft policy and fees would be like but that I could transfer funds between my checking and savings.
At one point, I was overdrawn often with {$35.00} fees several times per month. When I called customer service, I was told that I had a setting to accept overdrawn transactions which was why there were so many individual fees. Ultimately, I visited a store branch manager in XXXX XXXX, XXXX and spoke to the agent who opened my account at my local XXXX XXXX XXXX XXXX XXXX branch in XXXX 2017.
They claimed they were unable to waive any fees. XXXX XXXX XXXX, the more responsive branch manager there said she would look into it and the agent would have her review it. I was told they were something additional she could do after so many fees on the account, especially since I was ready to close the account at that point.
I also indicated and signed a document to make sure that overdrawn transactions would be declined to prevent the fees from being added on. Any transaction that would cause me to overdraw is no longer automatically authorized. This change never happened officially which seems why I received so many more fees, putting me deeper in a hole and loss of personal income to so many fees. The branch manager XXXX XXXX and I never spoke after and I lost her contact information directly. I tried calling customer service and that led nowhere.
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| 08/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have a mortgage with TD Bank I have 2 issues 1. I was making my payments monthly & around XXXX XXXX of XX/XX/XXXXmy payment was not applied correctly after numerous calls TD bank told me it was applied correctly & I still owed the current month and the next month.
( They later applied the payment correctly ) At that point they said I owed 2 months and I couldn't catch up.
This made me go into foreclosure for about 4 years until I was able to work out a modification.
Having this foreclosure on record obviously cost me tremendously both monetarily & physically.
In addition, I have not received a monthly mortgage statement for years I have asked multiple times for a statement but to no avail.
I am now trying to buy a different house ( something that I was not able to do for years due to my foreclosure issue which was a direct cause of TD Bank.
Now when I finally went to the bank to get a statement as the new mortgage company told me I need it I see have a past due amount of XXXX ( legal fees which are not due to be paid back until the end of the mortgage ) as legal fees.
This is causing me tremendous losses and aggravation I feel the bank has violated the Truth in Lending Act more than once.
1.originally when they put me in foreclosure due to the misapplying the monthly payment 2. not sending me the monthly mortgage statements ( which has caused me additional penalties ) possibly losing my new house as It says i am behind on my payments.
I had to rush to pay this outstanding legal fees off that I dont have to pay until the end of the mortgage to see if i can still get this mortgage.
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| 05/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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I was looking to increase the credit limit on my existing card with TD Bank. The existing limit was {$5000.00}. I called the customer service line and found that I could either request a limit increase that would take 7-10 business days or I could go to the local branch and apply for a second card, which would be returned the same day. With the second card, I could then merge the original card and the new one, returning to one total card. Also, the new card had better rewards, 2 % on all transactions, whereas my original card is 3 % restaurants, 2 % groceries, and 1 % everything else, or something like that. With this information, I went to the local branch on XX/XX/22. After speaking with both the rep in the bank and one on the phone, I apply and get the new card with a {$15000.00} credit limit. After I'm handed the card, I'm told that I will need to have a qualifying deposit account with the bank in order to get the full 2 % back, or I'll only qualify for 1 % back. I was not read the disclosure that provides this information prior to the card being issued. I don't want a checking/savings account with TD Bank XXXX I have each with XXXX and their interest rates are MUCH better. If I would have known that I had to open another account with TD Bank to get the 2 %, I wouldn't have gotten the card. I've called both their card services number as well as the branch and they each point to each other as responsible. At this point, I'm very frustrated with TD Bank. I have been told now they they can not merge the two cards together and keep the older, I can only do that merge if I keep the newer one.
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| 04/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
Servicemember |
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Approximately year XXXX, I obtained a Target credit card. During that time, I lost my business, did not have a job, had a toddler that my wife was home with, my mother-in-law was diagnosed with XXXX and was moved into my house. I was at a bad place in my life and was not able to pay my bills which includes my credit cards. I needed to keep a roof over my head and had to modified my home loan to stay in my home. The home loan went up to 40 years which we had 10 years left on our mortgage. We had to do what we had to and stop paying credit card was the only choice I had at that time.
On XX/XX/XXXX Target served papers to my mother-in-law whom at the time has been diagnosed with XXXX. My mother-in-law took the package to her room and I never laid eyes on those documents until I tried to refinance my home. When XXXX XXXX did a title search on our home, it came back that we have a lien on our property. We were in total shock as we were not aware that a company can do something like this without our knowledge after so many years. How is this possible to take a non secure debt and put it in a secure debt? This debt was originated back in XXXX and how could Target put a lien on our home from a debt that was so old. When I first got the credit card, the limit may have been around {$2000.00}. When target was done with me, the debt got up to {$12000.00} including all the late fees, court fees, over the limit fees, etc. I have hired a lawyer to try to handle this situation to no avail. Target would not work with us through the lawyer. We were willing to settle and to this day we have gotten no where.
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| 12/09/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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My purse was stolen on XX/XX/2020 in XXXX, PA. I called TD Bank ( FDIC very number XXXX ) and alerted them to the theft and that my debit card and license were stolen. They Closed my debit card and instructed me to come into the branch to get a replacement. I went into the XXXX, PA branch the following day, XX/XX/XXXX, and again inform the teller that my bank card and my ID and my entire wallet have been stolen, that no checks were included in my purse, and I was looking to make sure that my account was safe. She processed a new debit card for me. On Tuesday, XX/XX/XXXX, I received a phone call from a TD Bank branch in XXXX Pennsylvania. They inquired as to whether or not I was in their drive-through, and when I answered that I was not, we determine the fraud was being perpetrated. Upon arriving at the branch they determined that it withdrawal slip had been forged and my drivers license, which had been stolen, was being used to attempt to withdraw {$4000.00}. Unfortunately, they also informed me that earlier that morning, in XXXX XXXX New Jersey, a withdrawal had already been made using the same drivers license and a forged withdrawal slip for {$4000.00}. Police reports have been filed both in XXXX Pennsylvania and in XXXX Pennsylvania. Im disappointed that despite the fact that TD XXXX was informed twice that my purse was stolen, that no holes were placed on my checking account or alerts placed on my checking account to ensure adequate protection. Ive subsequently, closed my checking account and placed additional protections in place. Unfortunately that does not get me back the {$4000.00}
|
| 02/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I filed forXX/XX/XXXXXXXX bankruptcy protection on XX/XX/XXXX. The Target/Td bank store credit card in question was included in the XX/XX/XXXXXXXX petition. However, the account is being reported inaccurately on my credit report. The incorrect date as to when the bankruptcy was filed is being reported on my credit report. I have disputed the information several times including multiple phone calls and thus far nothing has been corrected. The date that shows on my credit report is XX/XX/XXXX, instead of XX/XX/XXXX on my XXXX report. This account only shows correctly on my XXXX report. Due to this erroneous date my credit score is not improving as I work to rebuild my credit during my XX/XX/XXXXXXXX plan. Although they have the correct information regarding my bankruptcy, they are refusing to report the accurate information, which they were doing as recent as XX/XX/XXXX. I will enclose a copy of a recent credit report to corroborate this information. Target TD bank had reported " charge off '' on my XXXX report and I successfully disputed that information and it was corrected. Because of this error I no longer qualify for a mortgage I was approved for in XX/XX/XXXX. I disputed this information with XXXX as well and the information was not updated. Please help me with this matter. As the consumer I feel helpless to be treated fairly, even though I sent proof along with my dispute to XXXX, as well as, XXXX such as the bankruptcy petition that lists this account and the filing date the credit bureaus are still reporting the incorrect information. Please help me this matter. Thank you advance.
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| 04/16/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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My wife ordered an XXXX XXXX back in XX/XX/2021 for {$310.00} and it posted to our TD checking account as a debit. The account number is XXXX. The transaction was originally authorized by my wife but we never received the merchandise and never received a tracking number despite numerous requests!!
Plain and simple everytime we complain about this to TD Bank they agree with us, do a provisional credit but for some inexplicable reason it is always reversed in the merchants favor saying that there was no error.. FOUR TIMES NOW!!!! This has nothing to do with an error!!! The transaction was authorized.. This has to do with the fact that the company has yet to provide any proof that we signed or even received a package .... we never received the package!! We are saying we never got it, why do they get to keep our money???
I don't know on what planet they are justified to get to keep my money when they never provided any proof of us receiving this package.. It makes no sense... The doorman never received it and I certainly never received it or signed for anything, they have no right to keep my money. The fact is is that the TD Bank representative always seems to agree with us on the phone and reopens the case but then for some inexplicable reason we are told there was no error. Again this has nothing to do with an error... the transaction was authorized we just never received the package... There was never any proof of us signing for it there's never been any proof of us ever getting it delivered to our door. TD bank has to do better... This is ridiculous they have been totally unhelpful.
|
| 10/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XXXX, I was approved for a line of credit for TARGET CREDIT CARD. TARGET CREDIT CARD failed to clearly disclose my finance charge in the transaction, which is required pursuant to 15 USC 1605. TARGET CREDIT CARD is also ignoring my right to rescind the fraudulent contract they provided me. A credit application or statement is not verification of debt! Verification is disclosing who the original creditor is and Im the original creditor. This is my 2nd attempt to resolve this situation. XX/XX/2021, I order a cease and desist and sent a letter to verify who is the original creditor, but TARGET CREDIT CARD defaulted on the letter. I am the original creditor and consumer. No code in Federal law states that a consumer must pay a monthly statement or bill. TARGET CREDIT CARD is in violation of 15 USC 1692e for the use of false, deceptive, and misleading information to collect a debt from me the that I dont owe. Monthly statements sent to me from TARGET CREDIT CARD contain positive balances which is false and deceptive. 15 USC 1692b ( 2 ) states that you can not state a consumer owes any debt. Im a consumer and the original creditor who extended the credit to TARGET CREDIT CARD with my credit card in exchange for credit. Also, my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report and DEMAND it to be REMOVED IMMEDIATELY.
|
| 03/09/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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I want to file a fraud transaction report that happens to me, I have become a fraud victim on our transaction with XXXX XXXX, XXXX, XXXX, Florida.
- I pre-ordered five XXXX Bikes with total of {$15000.00} in XXXX XXXX. I did a wire transfer to XXXX XXXX Account two times, {$9000.00} in XXXX and {$6000.00} in XX/XX/XXXX. XXXX XXXX promised to deliver these five XXXX in XXXX XXXX. However, until today ( XXXX of XX/XX/XXXX ), they have not delivered any of these bikes, or sent any refund to us.
- I have tried to discuss with them since mid-XXXX XXXX, regarding our order and possibility of refund. However, they always make an excuse to us in regards the delivery, pick-up in store & refund, also I have a difficulty to contact them.
- I have contacted our Bank, to help me to get the refund. However, they could not help me to reverse the wire transfer that has been made. I made XXXXhree wire transfer with two different Bank. My first bank transfer was with TD Bank, and my second & third transfer was with XXXX.
- Furthermore, I checked some review in XXXX, XXXX, XXXX, and XXXX about XXXX XXXX, I found there are some people that has a same issue likes me. Based on this information and our above-mentioned situation, I believe that XXXX XXXX has done a fraud transaction to us.
- I have all the evidence to support my case, such as my wire-transfer, invoice and written communication with XXXX XXXX. I hope CFBP Team could help us to solve this issue, and prevent this issue happens again to our community. Thank you so much for your attention and further support.
- Warmest Regards, XXXX XXXX XXXX
|
| 06/09/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
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|
Web |
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Hello, On XX/XX/XXXX 2017 I paid my minimum payment on my Target Store Card account. Then in an attempt to avoid interest on XX/XX/XXXX 2017, I made a payment of {$120.00} to cover the remaining balance using a new checking account via Target 's website. I was unable to copy and paste my account number as Target 's website would not permit me to do so, but I was able to copy and paste my routing number. Today ( XX/XX/XXXX 2017 ) upon checking my bank account I noticed that the funds for my Target card were not withdrawn. So, I checked my target card and noticed there was a return payment fee of {$27.00}. I immediately called the number located on my Target card and was informed that my check had returned " unable to locate the account. '' I asked to have this fee waved and the representative refused. I then asked for a supervisor and was transferred only to be disconnected. I called back and spoke with XXXX who sounded helpful and she waved my interest fee as she said it was a mistake on Target 's part and I should not have been charged, but she could n't wave the return check fee. I asked for a supervisor and she transferred me to XXXX employee ID XXXX . I explained the situation to XXXX and she also refused to wave the fee or transfer me to another supervisor ( she said no one would help me ). My check was NOT returned for insufficient funds. Target was probably not charged any fee for this returned check. I had previously made my minimum payment and was just making an extra payment to cover the statement balance. I believe that this fee is unjust and should not be charged.
|
| 11/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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I am a victim of Identity theft and If included a copy of the Identity Theft Affidavit Report that was sent to my Sheriff Department for further investigation. I have a few unknown derogatory accounts caused by identity theft reported by your company on my credit report that I didn't open or obtained any good or services from. I've listed the unknown accounts here alone with their account numbers.
XXXX XXXX XXXX XXXX chargeoff This chargeoff was caused by Identity theft.
TD BANK USA/XXXX XXXX chargeoff This chargeoff was caused by Identity theft.
XXXX XXXX XXXX XXXX chargeoff This Charge off was caused by Identity Theft.
As you know, 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
I have enclosed a copy of my IDENTITY THEFT REPORT and Report Number, that has been filed with the Federal Trade Commission.
The Final Rule contemplates automated reports generated by the FTCs complaint system as being within the scope of the definition of an Identity Theft Report. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. Please accept this letter as my demand for the immediate and complete removal of this purported item from my credit reports ( XXXX, XXXX, and the XXXX ).
|
| 10/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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|
Web |
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With my. Target credit card. TD BANK USA/ TARGET CREDIT.
I paid off my balance when I refined my house in XX/XX/2020. I was under the impression that I am a XXXX balance.
There was {$2.00} Finance charge. Which I did not have any problem to pay to make sure that my account is XXXX balance.
The problem that the TD BANK USA/ TARGET CREDIT failed to communicate with me. Or notify me. I called them finally in XX/XX/2020 when I recognised that I have a past due balance. I got to know this past due balance from my huge drop in my credit score. So I called them inquiring about the problem. They said that I owe them {$2.00} plus {$5.00} fees and they send me emails about it monthly. I looked it up and I see all emails were going to my spam and my pc consider it as spam advertisement.
When I explained that to them the bank representative said that there is no default on their part and they have to report it to the credit bureaus.
It is as serious matter as I am very careful on my credit payments and my credit profile and I keep very close eye on my finances.
But when I do not get a good way of communication from the TD BANK USA/ TARGET CREDIT and they report it to credit bureaus that is unfair.
I asked if I did not response to your emails why you did not send me a letter by mail or a phone call or both.
Representative said we do not do so.
It is a serious matter as they report a delinquency in my account and I have no way of communication with the bank to get to know that I owe them {$2.00} plus there {$5.00} ( {$1.00} a month ) Fees.
That is not fair and I am disputing that.
Thanks.
|
| 01/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
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I applied for and received a Target Red credit card in XX/XX/2019. I immediately signed up for payment due email alerts on my account through Target, and faithfully paid my balance in full for the next few months. I relied on the payment due email alert system. For some reason, I did not receive an alert in XX/XX/2019, and I thought nothing of it, assuming I didn't have a balance. Only in late XXXX when I logged into my account did I see that I had 2 late payment charges and interest that had accrued. I immediately called Target, paid my balance in full, and had those charges reversed. Unfortunately, Target has been no help correcting these late payment reports to the credit bureaus, even though it has been acknowledged that I did not receive the payment due alerts. I spoke with XXXX on XX/XX/2019 and he confirmed with XXXX in the Target Collections department that the payment due alerts were not sent to me.
Before this incident, I had a credit score in the high 700s with ZERO missed or late payments, but overnight my score went down almost 100 points.
I received a response from Target in the mail today, XX/XX/XXXX, that they investigated and found no issues. I also just got off the phone with a Target supervisor and she said she will submit my complaint again, but she wasn't optimistic that anything would change.
Even if I am at fault for not keeping a closer eye on this Target card, I am supremely disappointed that it has been acknowledged that there was an issue with the payment due alert system and Target has refused to correct these late payment reports, even as a courtesy.
|
| 02/17/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I became a XXXX XXXX credit card member since XX/XX/XXXX. Upon signing up at the store, I was issued statements directly to a former address. When I moved to my new home several months later, I wasn't receiving statements when I had a balance. I did change my address online successfully. I followed up with the credit company and they told me that my statements weren't sent to my new address successfully because USPS had returned to them. Not sure why or how but I was receiving other mail. XXXX never bothered to call me about this issue. This prompted me to call them to update my statements to be sent electronically to my email address. When I had a balance, I received a couple of notifications about my statements and due dates. However, the last time I used my card, there was no communication sent. I had made a small purchase on XX/XX/XXXX and completely forgot about that purchase. I would have been reassured about payment due dates via the electronic communication but there was none from XXXX. When I finally received a notice via email, it was in XX/XX/XXXX stating I was overdue payment. I immediately called XXXX to explain my situation and they could not help me at all. My original balance of some {$37.00} became {$100.00} that included fees. I paid my balance and sent a letter to the address listed when logged into my XXXX card online : Correspondence : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX And never received any response. I am really upset that they failed to contact me during my first statement cycle and thereafter until I had accumulated more than three times my purchase price.
|
| 01/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I called the phone number as listed on the credit report via XXXX for XXXX XXXX XXXX After several phone calls that direct consumers to use the same number as listed on the credit report, I finally spoke to two separate agents who verified via my social security number that I did not have a credit card on file. I asked for a supervisor, I asked to be transferred, I even would ask for their names and they would rudely evade my questions and would hang up on me. The DLA on my account was XXXX. The account was paid and closed at store in Nevada on XXXX.
Here is a copy and paste of what XXXX XXXX XXXX denies over the phone exists and refuses to remove this information which hinders my ability to open a line of credit or get additional credit elsewhere. Dealing with their phone reps has been wasted time and an aggravation.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX Date of Last Paymnt Scheduled Paymnt Amount Actual Paymnt Amount Amount Past Due Balance Amount Items As of Date Reported XXXX XXXX XXXX/XXXX/XXXX Date Closed Terms Duration Terms Frequency {$200.00} Credit Limit {$230.00} Date Opened High Credit {$0.00} XXXX XXXX Balloon Pay Amount Deferred Pay Start Date Balloon Pay Date Charge Off Amount Date XXXX 1st Rptd Date of Last Activity Activity Designator Creditor Classification 24 Paid and Closed Months Revd XXXX/XXXX/XXXX Date of 1st Delinquency Account Number Status Pays As Agreed ; Type of Account Revolving ; Type of Loan Charge Account ; Whose Account Individual Account ; ADDITIONAL INFORMATION Account Closed by Consumer ; Closed or Paid Account/XXXX Balance ;
|
| 03/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I started the process to refinance in mid XXXX. I was told I was approved in XXXX and also told that my closing would be XX/XX/XXXX. While I was attempting to communicate with the bank I was given several different " single points of contact ''. ( I am now on my third - XXXX XXXX XXXX XXXX.
After my attempts at communicating with the bank and my loan XXXX XXXX XXXX XXXX XXXX ID XXXX ) went unanswered, XX/XX/XXXX came and went without a closing.
Throughout this process communication has been terrible on the bank side. Several promises to provide " updates '' the following day were never given despite almost daily requests from me. Finally, I requested to escalate this to a supervisor ( XXXX XXXX XXXX XXXX XXXX ) and was told that I would be closing on XX/XX/XXXX. In the days prior I was asked for updated payoff statements which I provided immediately. We did not close on XX/XX/XXXX and on XX/XX/XXXX XXXX XXXX said that XXXX would be " ingesting this now and will be submitting this for a review to clear ''. That has not happened and my requests to expedite my closing have not been granted. XXXX XXXX doesn't even bother to respond and XXXX says that " its in underwriting, I'll check on it and get back to you tomorrow '' which he never does.
I've now been asked for the forth time to provide updated payoff statement and have still not received a closing date. It is my strong belief that TDBank does not want to provide me this loan because I was able to lock in at such a low rate ( XXXX ) and they are hoping that I will just become frustrated and walk away.
Do I have any recourse?
|
| 03/01/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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On Tuesday XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and spoke with a representative. I found this was regarding my former business with a XXXX account. I explained to the account representative that I wished to settle the account, because I was expecting my income tax refund on the XXXX. We agreed to settle for {$350.00} and dated a post dated check for XX/XX/2019. I wasn't sure if my tax refund would hit my account immediately, so I explained to the rep that if it hits my account sooner I will call and make immediate payment if the payment for the XXXX is deleted. The next day XX/XX/2019, my income tax was deposited into my account with no issues. During my lunch break at work I called XXXX XXXX XXXX XXXX. I spoke with the same rep. I advised payment was good to run immediate, so I gave him a debit card. I asked about deleting the payment for the XXXX because now my debt was satisfied. The rep assured me he did in fact delete the XXXX check, and my balance was settled in full. I asked for a terms letter to be emailed to me for my records, and gave my email address. The rep read an email disclosure and said I would have it over to my email on the XXXX. I never received that letter. XXXX XXXX XXXX XXXX charged my account twice. Once via debit card and once via check. I called to resolve it and I was told there were no managers in that could help me. I was placed on a long hold and eventually hung up on. I called XXXX XXXX XXXX XXXX maybe 10 times to try and get a resolution, and the phone just kept ringing. I eventually contacted my bank to dispute the charges.
|
| 03/02/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/2017 purchase a battery operated handheld massage that supposed work with batteries I change the batteries several and not responding so I contact the XXXX Customer at XXXX claim that they was unable to help me and put in complaint with the full credit number and then I contact TD Bank Customer Service regarding disputing this charges since the business will not honor a exchange or refund on the product and the TD Bank Representative all said she unable to dispute the charge because it has been more than 60 days I explain to them and she aware that checking account is closed on the statement it indicate XXXX XXXX XXXX XXXX XXXX XXXX for {$180.00}. Why is that Fraudulent purchase can not be dispute is this legal and why is the full debt card number need for dispute when the bank should have all access to Banking Activity is this legal and please ensure that staff do not tell me and others that I will be wasting my time this is my money from my working and depositing in the Retirement this money was transfer from IRA Account and governing by Retirement Account Federal Regulation and the transaction with these account are be reviewed by United States Department of Treasury Internal Revenue Service please investigate this Bank and ensure that they operating according to United States Department of Treasury and United States Federal Regulation and then after informing they not going to be able file my dispute they transfer me to Recover and Charge Off for XXXX XXXX and she was not able help with pass account and Debt Card Number is this legal and the number I was transfer to XXXX
|
| 07/15/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
For Years, Ive had an escrow account with T D Bank to pay my real estate taxes and homeowners insurance in XX/XX/XXXX.
I was notified in XX/XX/XXXX by T D Bank that I had no Insurance ( not true ) and they will provide their insurance at an additional {$2000.00}.
I called my broker and he said my policy was going to lapse if it was not paid ion 7 days. It turns out, T D bank never released the funds. I thought I had it straightened out so I paid my broker with a credit card and he will reimburse me when the payment in full comes form T D Bank.
It never came and then I received a notice of cancellation for non payment.
T D bank appoligized and turns out they only made a partial payment that was due at the moment. I got another notice of cancelation and I paid the balance in full.
Along the way of trying to resolve this I signed a form for T D Bank to stop taking money from my checking account to the escrow account andI will pay my insurance next year on may own and to refund me the difference that they never paid this year.
They continue to keep my money and they are still deducting money from my checking account for my next years insurance premium. Once again, XX/XX/XXXX, ( see letter from XXXX XXXX ) I tried to get this straightened out and Im told, I will receive a full refund of non paid premiums and any deduction for payment for XX/XX/XXXX within 3 business days.
No Refund and another deduction in my account for XX/XX/XXXX towards the XX/XX/XXXX Policy They are stealing my money, lying about refunding it to me.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
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| 03/10/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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I consider myself to be a smart and responsible consumer. I was recently charged for XXXX overdraft fees by TD Bank. I keep a record of my purchases and also check my balance online daily. I made XXXX purchases/payments to XXXX XXXX on XXXX/XXXX/16. This left me with approximately a {$10.00} balance. When I checked my account on XX/XX/XXXX everything was fine. On XX/XX/XXXX the XXXX aforementioned payments came out but only after a unauthorized charge of {$130.00} hit my account on XX/XX/XXXX. I spoke with the company that charged me and immediately deposited {$130.00} to cover that even though it should not have been debited as a recurring charge. I also had XXXX negligible charges also prior to XX/XX/XXXX that did not post until XX/XX/XXXX. I contacted TD bank online. I was told I would receive an email response with 24 hours. 48 hours later I had no response. I emailed again. I finally received a response which stated the fees were valid. I walked into my local branch. I explained what happened. I asked them to look at my record. The representative stated they do n't process transactions in the order they come in, they process them high to low. Had that unauthorized charge of {$130.00} not hit my account first, I would n't be facing XXXX overdraft fees totaling {$140.00}. I consulted a friend in banking who said it was a common practice but some banks were changing this. This is not an ethical practice. This is a greedy money making practice for big banks to prey on hard working consumers. The bank refused to issue me credit for the fees. I will no longer be banking with TD Bank.
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| 03/05/2023 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I opened a TD bank checking account online over seven days ago. Had my payroll check for XXXX deposited into my account. Transferred {$370.00} into the new account also. Debit card did not come and I needed some cash so stopped into the TD bank on XXXX XXXX XXXX in XXXX Florida on Sunday XX/XX/ at approx XXXX eastern time. I had to wait over one hour to speak to a teller who informed me I could not take funds from the account and that I had two charge off accounts one for XXXX and one for {$1000.00}. The one for {$67.00} I knew about. My identity was stolen from the unemployment system a couple of years ago. TD bank has never made me aware of this {$1000.00} balance and because of prior identity theft I dont even know if this debt is mine. The teller told me the only way to resolve the account was to pay this in full otherwise my funds are on hold and owed to TD Bank. my car is supposed to go into the shop Tuesday. My air conditioner broke in my car and I have two diseases. I think it is unfair of TD bank to keep this {$1000.00} without my prior knowledge of this debt. I want this refunded to my checking account. My rent is due and this has put me in a terrible position and I am sitting here with extreme XXXX. I am reporting this to the company who owns TD Bank.
Prior complaint # against TD Bank was XXXX I have been asked why I Bank with TD bank and it is because I truly like TD Bank and the convenience hours on weekends and low account rates but all for these 2 situations I come back to this bank because I truly think it is one of the best in the area.
Thank you XXXX XXXX XXXX
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| 12/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Servicemember |
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To begin, I received multiple offers from TD Bank credit card services this year. XX/XX/XXXX of this year I finally gave in, and decided to see what TD had to offer me. The pre-approval code and notice received stated this would not impact my credit score. When going through the process it then indicated should I proceed it would impact my score. At that point, I ceased from continuing with the TD online process. However, I received a letter from TD Bank thanking me for my interest, and requesting that my application has not been completed. Furthermore, the letter states that there is more information needed in order to complete the application and make a decision. Concerned, I called on XX/XX/XXXX, and spoke to a courteous TD Bank representative XXXX approximately noon. I raised my concern that TD Bank did in fact impact my score, and report to the uncompleted process to the credit bureaus creating a hard inquiry. Unfortunately XXXX did not have the power to remove it from the bureaus. Needless to say however a point worth mentioning I take my credit & scores very seriously. I want this TD Bank inquiry removed immediately. My faith in the CFPB 's effectiveness when dealing with creditors, and legal professionals over the years sadly has waned. Which is why I will be also filing a complaint with FCRA. Without a doubt I am livid with the way the three major credit bureaus works more for the banks and merchants then they do with the actual consumers. I hope the CFPB will take this as seriously as I do although I no longer rely solely on the CFPB for proactive intermediary assistance.
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| 07/07/2017 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Wrong amount charged or received
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Web |
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I am an American living in XXXX. Every month I transfer money from my TD XXXX Trust ( XXXX ) account to my TD Bank ( USA ) to pay my student loan. TD Bank charges {$15.00} USD for this transaction, but because of the account I have the transaction fee is supposed to be waived. TD Bank also charges {$15.00} USD per month for the checking account, but this fee is waived because I maintain a balance of {$100.00} USD. Last month, unbeknownst to me TD Bank charged me the wire transfer fee. Next, when my student loan was debited from the account, it caused my account to be charged the {$15.00} maintenance fee. Thus, TD Bank wrongly charged me {$30.00}. Upon discovering this error I called and was able to have the fee reversed after an hour of being passed around on the phone. This month I can see that they have again charged me the {$15.00} transfer fee. From my TD XXXX Trust account I can only see the total of my TD Bank account -- I can not see all transactions -- but I can see that it is {$15.00} short. When I try to log into my TD Bank account to see the transactions in detail I am now locked out of the account. When I called to get the account unlocked they refused and implied that I am an impostor or identity thief. Next, I had to go to a TD XXXX Trust branch to show them my I.D . The employees at TD XXXX Trust said they would try to call TD Bank, but the issue has yet to be resolved. TD Bank is trying to defraud their account holders of fees. More so, TD Bank is trying to make it difficult for account holders to discover their " mistakes '' and have them corrected.
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| 01/21/2017 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
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Web |
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TD Bank authorized XXXX payments of {$1400.00}, to a school debt collector. This was done after I called and explained to the bank I do not want it authorized, do not release any funds to them. However the bank let this school debt collector take the funds from my account/debit card twice. Meanwhile that I closed both the account and card days prior, because I was advised to, by a td bank representative. The account that I reported was tampered with serval times before. Also it was explained to me, the compromised account was in no check status and taken care of. Now the bank is saying, that I authorized the payments. I reached out to the debt collector and they explained to me, the bank released the payment. TD Bank had the collector, Account Control Technology, send me a letter, stating I must sign to prove I authorized the payments, when I did not. I did n't sign anything. I brought this form to a TD bank, to attach to these payment disputes I filed. This is the proof that I never authorized any payment to be made. Td Bank suggested that I close the card and account because it was compromised. Now I 'm over drawn. They have me over drawn & now the took money from my other checking account and sent it to the one being disputed. This account that they told me was secure and setup for direct deposit, they took that money and applied it to the negative. Then told me it 's nothing they can do, because the account ca n't go into no check status, that it is in fact not closed now. I 've been dealing with this issue since XXXX XXXX. My dispute is not resolved for these wrongful charges.
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| 11/13/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Web |
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I live in XXXX. .On XXXX XXXX 2015 I visited my grandmother in XXXX. I opened a checking account at TD Bank to deposit a gift she gave me. I received a debit XXXX card as well. It was activated on the spot. I put the card in my wallet, returned home to XXXX, put the card in a drawer and never used it. I returned to XXXX yesterday ( XXXX XXXX ) and opened the bank statements that were waiting for me. Someone had gotten into the account and/or stolen the debit card number and made many small purchases ( the largest was about {$440.00} ) from XXXX XXXX until XXXX XXXX. When the balance in the account reached {$280.00} they stopped using the card. I immediately took the statements and went to the bank. I canceled the card and closed the account. The bank refused to help. They said that before they could investigate they would need a police report. However, they also said that since 45 days had past since the theft, I was over the permitted time limit and it was no longer their responsibility. I filed a police report immediately. It will be ready in about 10 days. I also filed an affidavit with the FTC. I called XXXX and they explained that the 60 day limit only applied to card theft - the card was not stolen and therefore there should be no limitation to the bank 's responsibility. I called FTC again and they referred me to you.
Please note that I live overseas and would prefer to communicate by email only. Any regular postal mail sent to XXXX XXXX XXXX would require the involvement of my XXXX year old grandmother and I would prefer to deal with this issue myself. Thank you. XXXX XXXX
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| 10/11/2023 |
Yes |
- Credit card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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To provide you with a comprehensive account of the situation, I would like to detail the sequence of events surrounding the return : XXXX. I had order the items mentioned above, which were delivered together in a single box.
XXXX. After receiving the order, I realized that the XXXX pairs of sneakers did not fit correctly, prompting me to initiate a return request via the Target XXXX
XXXX. Target issued a separate XXXX return shipping label for each of the sneakers, resulting in XXXX separate return packages.
XXXX. I dropped off both return packages at my local XXXX XXXX XXXX XXXX, Post Master located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, CA XXXX.
XXXX. The XXXX tracking number associated with this return is XXXX XXXX. XXXX of the packages that was associated with this return was successfully delivered and refunded however, the return associated with the XXXX shoes was never received nor updated. There is no updates for the tracking number from XXXX. Nothing.
XXXX. I have reached out through the chats, attached in here, no resolution.
XXXX. I attempted to dispute, the call center representative was talking to me with disgust. I asked her what we can do she said she is going to have to transfer me to target XXXX
XXXX. I got connected with Target XXXX and they just started they will not be able to do the return, because they never received the item, and the only optio I have is to dispute the charge, and when I informed him I had already called to dispute and the lady refused to help, yelled at me and XXXX transferred me to him, he said he will be disconnecting the call.
|
| 09/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
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I am writing in regards to my auto loan with TD Bank originated on XX/XX/XXXX. This loan has been paid off in full as of XX/XX/XXXX. My concern involves the final payoff payment of {$200.00}. For the 5 years of my auto loan I enrolled in auto payment and was never late on a single payment. I was unaware that the final payment would not be paid through auto payment as all the previous payments had always been prior and there was no communication from TD Bank to communicate this change. When I had not received the title of the car after a few months, I logged into my online account to check the status of the loan and realized that the final payment was still due. I paid this immediately on XX/XX/XXXX, however, at that time the account was already past due over 90 days. I remedied this as soon as it came to my attention.
Recently, I ran a credit check as I am in the process of refinancing my home. It was then that I realized this final payment issue has negatively impacted my credit score. I had been diligent about paying my auto loan on time for 5 years ( as well as all my other bills ) and my account history was always in good standing. I had reached out to TD Bank to try and resolve this since the loan is now fully paid off and this was only late payment over the course of 5 years in hopes that this will not negatively impact my credit score and financial health for the next 7 years. I am very diligent about ensuring I am responsible financially and am frustrated that I did not receive any communication instructing me that the final pay off amount would need to be paid manually.
|
| 12/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American |
|
TDBank offers a bill payment service with its checking accounts. On XX/XX/XXXX, an authorized transaction payment of {$100.00} was sent to XXXX XXXX XXXX via bill pay. On XX/XX/XXXX my checking account showed a pending payment of {$100.00} to XXXX XXXX XXXX I immediately called TDBank and a male the CSR told by me that XXXX XXXX XXXX pulled the {$100.00} from my account. XXXX XXXX at XXXX informed me that they did not and could not access my account. I again called TDBank and XXXX offered that there was a problem with bill pay system duplicating payments already made. I told her that is my reason for calling and she required i complete a dispute form and that it would only take a few days. Three days later, XXXX at TDBank told me I must wait 8 days for a response and on XX/XX/XXXX {$100.00} was deposited into my account. An XX/XX/XXXX email fromTDBank confirmed the deposit, advised that my XXXX XXXX was suspended, unable to recall the XX/XX/XXXX XXXX & XXXX payment I had to repay {$100.00} to XXXX, their XXXX XXXX XXXX XXXX finally, they threatened me with Collections. Tuesday XXXX I visited my TDBank branch and XXXX was left holding for 20 minutes and told to call XXXX. Today, XXXX I called XXXX and told XXXX that I live on a fixed income and could not pay until XXXX she abruptly told me to call back then and that my account would remain suspended until then, no matter that my creditors would not be paid and now payment info needed is not available. Then I called TDBank and was told they could not unrestrict my access to XXXX XXXX. I was referred to CFPB by Federal Reserve CSR.
|
| 08/16/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I was locked out of my Target account as usual because once again I forgot my username/password. I called was helped by a very nice rep who opened it back up. What I failed to realize was I had to answer 3 verification questions and one of the questions I was n't able to answer because lo and behold they had automatically switched my old card to my new card which I am waiting to get in the mail. I had to call again and this time the rep who picked up apparently does n't like her customer service job and hung up on me when I told her my issue and also told her that it was n't right to have switched everything when I do n't even have my new card because now there 's no way to access my account. With that, I proceeded to call a third time and this rep kept repeating himself how my new card is in the mail and I 'll get it in 3 weeks!! Well, how in the world does that help me now?! Especially since I placed an order with my old card yesterday & now I ca n't even check if that went through!! With that, this rep said he 'd transfer but did the same as the last rep & hung up on me! To top it all off, I 'll be away the week my card supposedly arrives & I ca n't use my card because it 's no good anymore because it 's not on file anymore now that my new card, which is NOT in my possession but somewhere in the postal system, was automatically put in. What kind of a company does that?! As a consumer, I 'm the sole person who should be changing my credit card info on file, not the company. That means they just go into peoples ' files. They need to change that. I do n't even know what to do now
|
| 05/15/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
I monitor my credit closely and noticed a hard inquiry on my report from TD Retail Services. I contacted XXXX immediately and was told to contact the company that issued the credit card. I contacted TD Bank immediately to let them know I did not open the account. Then I contacted XXXX again on XX/XX/2023 Report # XXXX to let them know I spoke with the issuing company and they promptly removed the hard inquiry from my credit report. I was told by a representative at TD Bank that the name and social security number did not match my home address listed on the application- and the credit card company issued the card anyway. Now there is {$3600.00} in charges that are appearing on my credit report. Fast forward and I receive a letter dated XX/XX/2023 stating I have 14 days to dispute the charges/card- I receive the letter on the XX/XX/XXXX -the XXXX day and when I try to contact the phone number on the letter, it rings and rings and says the voicemail box has not been set up - XXXX XXXX XXXX XXXX I reported the fraud to the 3 credit reporting agencies and am now reporting it to you too. The company is TD Bank Case number XXXX - they are responsible for this mess and I am not a " victim of identity theft '' I am a victim of a company that did not due their due diligence prior to issuing this card. TD Bank issued a credit card for XXXX XXXX XXXX Account ending in XXXX- they are responsible for this fraud. My credit was pristine and now they have reported this amount to the credit bureau which is going to tank my credit when I don't pay the bill I am not responsible for. Please help me.
|
| 04/20/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
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On XXXX XXXX, I tried to purchase a motorcycle listed on XXXX and still is. My deal was accepted by " XXXX XXXX '' ( XXXX ) We agreed to use XXXX. This site was fraudulent, and comes-and-goes from the web. I was instructed to wire the funds to XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX in to their XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When it became apparent that I was robbed, I notified TD Bank, which waited 3 days before I discovered they did not know how to properly recall my wire. Later spoke with XXXX I notified XXXX, and received little help from " XXXX XXXX XXXX XXXX in reference to my complaint, XXXX XXXX XXXX. I also advised them verbally about the circumstances, and that their complacence was akin to them being o.k. with helping " XXXX XXXX '' launder money through their bank. To test my theory, my friend XXXX XXXX also initiated a " purchase '' from XXXX XXXX From the same posting, and " XXXX '' initiated the same process with him and using XXXX, and wiring money for payment, and furnished a different XXXX XXXX XXXX XXXX XXXX XXXX, for XXXX XXXX XXXX. I advised XXXX of the additional developments, and they did not respond. I want my {$5400.00} returned to my TD Bank account. I want TD bank questioned for being slow to react. I want XXXX XXXX be held responsible for continuing to accept funds for transactions that they have been made aware are fraudulent. I would like " XXXX XXXX '' and all associated persons and entities prosecuted.
I have received a letter from The Federal Reserve Bank XXXX XXXX XXXX ( attached ) without any resolution or restitution.
|
| 10/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
My name is XXXX XXXX, phone number is XXXX, email XXXX.
I am reaching out regarding my auto loan with TD Auto Finance. Back in XX/XX/2021 I made 2 payments to my auto loan, one for the month on XXXX which was late with total of {$520.00} & then one for the month of XXXX on time with total of {$500.00}. Somehow my bank account was charged twice for the XXXX payment of {$520.00} so they refunded me for the one of the charges. However there was some sort of hole or mishap between my bank and the finance company as it caused my account to be shown as not current showing that I made no payment for one of the months. When they contacted me I sent in documents of my bank account showing proof of my payments 3 times and Ive been going back and forth with my finance company for 3 months now. I then got sick with XXXX and was unable to make my payment for the month of XXXX & when i contacted them to get assistance or extension they were very rude and not helpful considering my account is showing as behind already, and they told me to either refinance or they will repossess my vehicle.. So now my account is showing as behind 3 months. I am in a very financial hardship and just need help with either doing a payment plan with them or getting assistance with me loan. I can not afford to pay the full amount due right now and I am still working on paying my other bills as well. I have no way of figuring this out. I tried ro refinance my vehicle but a down payment of {$2300.00} was required due to the negative equity on the vehicle. I am hoping you guys can help me with this please!! Thank you.
|
| 09/06/2016 |
Yes |
|
|
|
Web |
|
|
I wanted to report a SYSTEMIC DECEITFUL PRACTICE OF TD CREDIT CARD SERVICES. While a majority of the credit card companies out there, send you alerts before the payment is due, TD CARD SERVICES DOES NOT SEND ALERTS BEFORE PAYMENTS ARE DUE BY EMAIL ( THEY DO N'T ALLOW EMAIL ALERTS, FIRST PROBLEM, THEY DO IT ON PURPOSE TO MAKE PEOPLE LATE ON THEIR PAYMENTS ) ; BUT EVEN WHEN YOU GO ON THEIR WEBSITE TO SET ALERTS ( WHICH IT SELF IS A COMPLICATED PROCESS, WITH ALL SORTS OF MATHEMATICAL OPERATIONS, AT LEAST TO THE LAY PERSON ), THEY GO BACK IN THERE, AND DELETE ALL THE ALERTS YOU SET UP. SO IN EFFECT, TD CREDIT CARDS DELETES ALL THE ALERTS YOU SET UP ON YOUR TD ACCOUNT ( ON THEIR WEBSITE ), INCLUDING PAYMENT DUE DATE ALERTS, TO DELIBERATELY MAKE PEOPLE LATE ON THEIR PAYMENTS. I RECEIVE ALERTS FROM EVERY OTHER CREDIT CARD COMPANY A FEW DAYS BEFORE MY PAYMENT IS DUE, EXCEPT FROM TD CARDS ; THEY PURPOSELY REFUSE TO SEND OUT ALERTS, THEY SAY THEY ALLOW YOU TO SET IT UP ; BUT WHEN YOU SET IT UP, WITHOUT YOUR PERMISSION, THEY GO INTO YOUR ACCOUNT AND DELETE THOSE ALERTS, BECAUSE THAT 'S WHAT HAPPENED TO ME ( I REMEMBER SETTING IT UP, THEN HAVING IT DISAPPEAR, I 'M ASSUMING, THEY 'VE DONE IT ON PURPOSE, BECAUSE IT SEEMS CONSISTENT WITH THEIR OVERALL BUSINESS PRACTICE, BUT NEEDS TO BE INVESTIGATED FROM YOUR PART TO MAKE SURE, IT 'S NOT AN ISOLATED INCIDENT ). I HAVE LOST HUNDREDS OF DOLLARS, BECAUSE I GET NO CORRESPONDENCE FROM TD BANK AS TO WHEN MY PAYMENTS ARE DUE! I AM NOT SURE HOW THIS CORRUPT COMPANY IS ALLOWED TO OPERATE IN AMERICA, BUT THEY NEED TO BE HELD RESPONSIBLE FOR THEIR WRONGS!
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