Date Received: 2023-12-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I did not consent to, nor benefit from, nor authorize any of the following : 1. TDRCS XXXX XXXX - Account XXXX ; Amount - {$4300.00}
Company Response:
State: FL
Zip: 33021
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I had opened a TD Bank XXXXhecking & Savings Account about a week ago. I opened it online and had to go into my local branch in person to get my debit card for the account so i can start using it. After about 2-3 days, my account was locked and so was my debit card, and was not able to perform transactions with the card. I had called TDs customer service the same day that it happened and they had told me that they had closed it, saying that it has something to do with my identity/fraud, i never got an exact reason. I went to another branch by my job two days in a row, because i still have money in that account and i was trying to figure out why my account was even closed in the first place. I found out the fraud team for TD looked over my account and decided to close it, with no exact reason as to why. I had just opened the account and barely had it for less than a week and was not given a notice about it at all. I feel like they wrongfully closed my account, and they did not send me any email or call me about it. They have not gotten back to me about the issue and if i can even get my account opened back up again, or if i cant if they are able to send me the funds that i still have in the account that i can not even access.
Company Response:
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I walked in to the store and was trying to make a cash payment to my credit card the manager at the store told me that it was up to her discretion who she took cash payment from so she decided that she wanted to get approval from corporate to accept my payment so she called corporate and then corporate told me it was going to take up to 7-10 business days for the payment to process. Previously my debit card payments to this account were taking two weeks to process even though the money was immediately taken from my bank account, so the XXXX representative told me to make cash payments at the store from now on to correct this problem after leaving the store I called the customer service myself making a complaint about the incident. The representative told me that any payments over {$1000.00} take special recording and processing ever since XX/XX/11 and that I wasnt singled out. As a consumer I feel like the managers actions were very biased on the judgement of my appearance, XXXX has items in store that cost more then the payment I was trying to make, Ive also made payments in that past that was more then {$1000.00} and its never been a problem. The cashier also confirmed that these extreme measures are not normally taken. Im deeply offended by the actions that were taken against me. How can we solve this?
Company Response:
State: FL
Zip: 33432
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XXXX. Early this year. I opened a checking account in person at TD Bank XXXX XXXX XXXX XXXX with a flyer of XXXX XXXX The person who helped me open the account told me that I would get the bonus and she wrote an email to the department to confirm. XXXX. I have completed the direct deposit requirement within the time frame and I confirmed with the banking agent several times on the phone to make sure I can have the bonus. XXXX. The agents constantly told me to wait 180 days. XXXX. By the end of 180 days, I didn't get the bonus. So I called the agent again. The agent helped me send a secure message to the department. XXXX. Received a message saying that I am not eligible for the XXXX $ but they can give me XXXX {$6.00}. Asked me to wait XXXX weeks XXXX. After XXXX weeks, no bonus...
Company Response:
State: NY
Zip: 10027
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Realized today that my auto payments for my Jordans TD Bank credit card have not processed for XXXX and XXXX Called customer service who advised me that due to a returned payment on my account in XXXX ( totally my fault ), I no longer qualify for auto pay. I was in no way notified of this, my account still shows auto pay turned on, there is no notification on my statements which still indicate auto pay is active, and Ive gotten nothing in the mail. How am I supposed to know that I can no longer use auto pay? Now I have XXXX late payments on my account. This is incredibly bad business and is setting people up for failure. On top of that, the horrible attitude I received from both a phone agent and her supervisor was completely uncalled for. I work in customer service and would be fired for speaking to people like that.
Company Response:
State: MA
Zip: 02703
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been disputing these accounts for months now and the accounts are still reporting. I have not received any information verifying the accuracy of these accounts. I also have an address that is listed on my credit report where I never lived. The credit bureau is saying the information was verified but I can't understand how this information is being verified when its not accurate.
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Attempted to remove self as authorized user, denied. Even as POA. They lost proof of POA and require 15+ days to approve the new one and account is currently locked preventing use for my grandmother.
Company Response:
State: NY
Zip: 10705
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I was informed by XXXX XXXX of amTD Bank credit card taken in my name with a balance of {$7000.00}. I never had any accounts of any kind with TD Bank. I reported the matter to TD Bank. I received a TD Bank letter dated XX/XX/2023 acknowledging my claim of fraud and stating that no further action on my part is required. I received no further information and the TD Bank balance continues to appear on two of three bureau reports. TD Bank will not work with XXXX XXXX to resolve the matter. I filed an FTC fraud report, which includes a copy of the police report with XXXX police that I filed. I made repeated calls to TD Bank. On one call, made more than 10 business days ago, I was told I would receive a letter from TD Bank. I received no letter. I can not find from TD Bank what the letter is supposed to say, or how to resolve the problem.
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I attempted to pay my TD Double Up credit card as I normally do in late XXXX. It should be prefaced that TD Bank had made recent changes to the way you pay their own credit cards online and the process was quite convoluted. For example, you had to click " Pay a non-TD account '' in order to pay your TD credit card account, which of course makes no sense. So we should establish that the people behind TD 's bill pay system aren't exactly the best and brightest. When I attempted to make my payment as I did every prior month, I got a generic error screen that read " We apologize for the inconvenience '' ( see attached video ). I tried several more times over several days and continued to get this message. I even tried a different browser, so this was clearly an issue on TD Bank 's end. I wrote them and asked how I was supposed to make a payment online. They admitted issues with the Bill Pay system and to try in a few hours. However, the error persisted for what ended up being an astonishing 60+ days. During this time I again wrote them and asked if there had an plans to fix their system. They responded asking me to make a payment via their mobile app. I attempted to do so and got the exact same error message. At this point I gave up, as the due date had passed for payment. After a few weeks, I wrote them asking if they wanted to be paid, and if so they would need to remove the late fee and interest from the card since they were the result of TD Bank 's systems failing. They told me they would do so after I made my payment. Two weeks later, they finally fixed their system and I was able to make a payment online after several attempts. I then wrote them and asked that they remove the late fee and interest as promised. They removed the late fee but lied about removing the interest. They refused to do so.
Company Response:
State: RI
Zip: 02864
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: For years I have been trying to close my account. I had XXXX dollars and I wanted to transfer the money out. They will not talk to me on phone because I dont have my old phone number. I am overseas. I ased if there is any other way to verify and they said no. Only my phone number from 10 years ago, They emptied my account of XXXX dollars and now say I owe them XXXX dollars from fees
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A