Date Received: 2023-05-19
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Hello, I opened a savings account at TD bank that came with a {$200.00} bonus, but after completing the terms I never received the bonus. Below is a timeline of the events : Fall XXXX : Received mailer promoting " {$200.00} when you deposit at least {$20000.00} in new funds in the first 20 days and keep at least a {$20000.00} daily balance for 90 days. '' XX/XX/XXXX : Opened a savings account with TD bank and deposited {$20000.00}. Winter XXXX : Called TD bank customer service line to make sure the account qualified for the bonus, and was assured that they did. XX/XX/XXXX : Completed the terms for receiving the bonus. XX/XX/XXXX : The bonus was still not reflected in my account, so I called the store manager about the lack of payment. He was going to look into it but I never heard back about a resolution XX/XX/XXXX : Went into another TD bank and spoke to a manager about the issue. She claimed no promotional mailer was sent to my address. They asked if I had a copy of the mailer but I no longer had it after opening the account 2 years ago. I believe there may be an error in their electronic system about who/where the mailers were sent to, because I definitely learned of the promotion through a mailer I received in my mailbox.
Company Response:
State: CA
Zip: 92832
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is a story of both personal accountability and corporate negligence. In XXXX, XXXX, with $ XXXX in my bank account from selling my home, I went to a store to finance a couch set for 12 months at no interest in the amount of {$2800.00}. The store ( XXXX XXXX XXXX, NC ) used TD Bank d/b/a XXXX I received my statement and input my account number and routing number intending to pay $ XXXX to pay it off in roughly 6 months. My payment never processed, and I was told I was late. I am never late. I called the company to remit the payment over the phone. To my surprise, that did not work either. Frustrated, in XXXX, XXXX, I called to remit the payment in full which was now up to approximately {$2900.00}. That was not returned either and I was told there were no issues showing on their side with the account. It's also worth noting, that I could not see what the issue was either as the Acc/Routing numbers are semi-redacted with " XXXX. '' Fast forward to XXXX XXXX, XXXX, I ended up remitting a total of {$3400.00} after re-submitting my account information. Remember, I at all times had the money t0 pay for the couches in full. I am fortunate to make a six-figure salary as well. Present day -- I am applying for a home loan and see that my account was marked " derogatory '' for failure to make payments on time. I was and am livid. How could this be when I attempted so many times to pay the couch in full? Well, after 7-8 phone calls with pleasant but unhelpful representatives, I find out that there was one digit incorrectly input in my original input from XXXX, XXXX. That one digit was the source of my late payments, NSF assessments, and ultimately, a " derogatory '' account mark on my and my wife 's credit scores. I was previously above XXXX and am now in the XXXX 's. I am being forced to pay an increased loan origination fee of roughly {$3700.00} with my home lender because of this derogatory account marker on my account. It seems to me that a consumer finance company should have measures in place to assist customers that actively try to pay their credit card accounts but experience typographical or technological issues. I received no phone call, email, or any indication during any of my multiple phone calls where I voluntarily tried to resolve the issue. And now, the company has made an additional {$600.00} from the late fees, and I am being cost {$3700.00} more that I would not have had to pay otherwise. My complaint is based in failure to diligently assess customer behavior. I was very clearly attempting to make my payment. But that was of no consequence to this company. It's a sad world where companies destroy peoples credit and unfairly cost them money. I had all the best intentions, apparently made an error, and now I will pay almost {$4000.00} plus additional interest over the cost of my 30 year home loan.
Company Response:
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I have a levy on my bank account for a debt from 2013. The amount XXXX
Company Response:
State: PA
Zip: 19121
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I contacted the bank because I lost my debit card they notified me that someone was trying to deposit a check into the account they said they XXXX video of the person doing it but wont share it with me they closed my account and flag my credit now I cant open a debit card with no bank
Company Response:
State: SC
Zip: 29203
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I applied for a SBA loan 7a and gave a good faith estimate of {$5000.00} which I authorized to be withdrawn from my account with T.D. Bank. The loan officers XXXX XXXX and XXXX XXXX, VP of Franchise Development, decided not to approve the loan and the T.D. Bank has failed to refund my entire good faith estimate of {$5000.00}. I have emailed and called about this matter several times - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and called on XX/XX/XXXX. After these attempts, I am making a formal complaint against the lending institutions discriminatory actions and unfair actions toward me as an XXXX XXXX female small business owner attempting to open a franchise and live the American Dream.
Company Response:
State: NY
Zip: 11581
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/XXXX at approximately XXXX I deposited a XXXX XXXX check from my attorneys escrow account into my td bank account via an atm at XXXX XXXXXXXX XXXX XXXX XXXX New York XXXX XXXX On Tuesday XX/XX/XXXX I noticed a 7 day hold placed on my check and within a few hours td bank closed my account. I rushed to the nearest td bank which at that moment was XXXX XXXX XXXX XXXX New York XXXX. I sat with in a room with a woman who told me my account is closed and she cant do anything for me. I asked her repeatedly about my funds and she was unable to provide me with any information, details, or next steps. She told me they would mail me my funds. Fast forward to yesterday XX/XX/XXXX. I enter a td bank on my work break twice. XXXX XXXX XXXX XXXXXXXX XXXX XXXX New York XXXX. At this branch I spoke to XXXX. XXXX referred to himself as the assistant manager. XXXX proceeds to tell me that my account was closed because my attorneys check was bad and theres an ongoing investigation. TD WILL NOT GIVE ME MY FUNDS BECAUSE THEY SAY I DEPOSITED A BAD CHECK. I called my attorneys paralegal XXXX and put XXXX on the phone with her. On my attorneys side the money has been WITHDRAWN. In my attorneys account they see my signature aswell as the check deposit into MY TD BANK ACCOUNT. TD BANK has my funds from the check aswell as previous funds from direct deposits from NEW YORK STATE UNEMPLOYMENT. TD BANK IS HOLDING MY FUNDS HOSTAGE, AND HURTING MY CREDIT SCORE. I have a td avant- loan that has been on autopay for years. On XX/XX/XXXX the autopayment was due, once td bank closed my account the auto payment was stopped now td bank avant calls me twice a day regarding the payment. The associates XXXX at td bank refuseD TO even give me documents to provide stating the status of my account and the hold of ALL OF MY FUNDS. TD BANK IS TRYING TO DESTROY MY LIFE.
Company Response:
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: Hello, I need all my statements and charges from 2016 I have been through this plenty of times with Target and they keep ingoring the fact and senidng me current statemtents. Just last week I was served with papers from a Debt collector and I have requested an arragement but I need to know what are the charges for and what is the amounts owed. I am entiled to this and I need the statements from 2016 to be mailed along with a Debt vaildation.
Company Response:
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This creditor has violated my rights under 15 U.S.C 1681 Section 602 states I have the right to privacy. 15 U.S.C 1681 Section 604 ( a ) section ( 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: CA
Zip: 91761
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: I sold my vehicle to XXXX XXXX under the impression that they were going to take care of the rest of the balance due on my car. That didnt happen. I have spoken to TD Auto Finance about it and they told me that I am responsible for making the payments. But I sold the vehicle to XXXX XXXX lied to me and now I am paying for a car I dont even have on top of my new car that I am paying for.
Company Response:
State: AZ
Zip: 85032
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My XXXX tradeline ( oldest tradeline ) was closed with out notice from the lender. When I called, they blamed the regulation and stated there was nothing they could do. This is now going to negatively impact my credit Score and the possibility of borrowing int he future. Since there was zero activity for 12 months they are closing it, but never made me aware that is had been 12 months or that a deadline was coming.
Company Response:
State: CO
Zip: 806XX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A