Date Received: 2023-04-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX I purchased appliances for {$3100.00} and opened a new XXXX XXXX account to pay for the appliances in order to take advantage of a 24 month 0 % interest promotion. On XX/XX/XXXX, about 30 days after the appliances were delivered to my house, I realized that I had not received a statement for the new account. At that time I did some research online and discovered that TD Bank was the company who was servicing the account. When I tried calling it was outside of their regular business hours. At my husbands suggestion I located an email sent with information on how to create an online account for TD Bank. Upon logging into the account I discovered that the minimum payment of {$130.00} had been due XXXX days prior on the XXXX. I went ahead and made a payment of {$130.00} through their online access, and setup the account with my online bill pay at XXXX XXXX ( where I also work. ) At the time I logged into TD Bank it tried to automatically enroll me in e-delivery of my statements which I turned off. ( This is something that XXXX XXXX also does for their statements and I prefer to receive paper statements in the mail. ) I also added the account to my bill pay spreadsheet with a due date of the XXXX and payment of {$130.00}. On XX/XX/XXXX I submitted a payment through my online bill pay system to be delivered on XX/XX/XXXX in the amount of {$130.00} ; at which time I still had not received a physical statement or email that my new statement was available for viewing. Yesterday, XX/XX/XXXX, I received a call from TD Bank stating that I was past due on my account. In order to discuss my account in more detail they wanted me to provide the last XXXX of my social security number which I declined to do for security reasons. As soon as I got back to my computer I called the customer service line and was informed that I'd been assessed a late fee for the XXXX payment in the amount of {$29.00} which had been added to the XXXX minimum payment, and because I paid {$130.00} I was assessed an additional {$40.00} dollar fee for not meeting the minimum payment due. When I explained what happened they told me their policy is to only issue XXXX complimentary fee reversal in a 12 month period, and tried to say that I didn't receive any statements because it had enrolled me in e-delivery when I signed in the first time. Even if that was the case, it does not explain why I didn't receive the first statement that was due on XX/XX/XXXX, and my first login was on XX/XX/XXXX. Upon submitting a written complaint through their XXXX page I received a call from a manager who also asked me to verify my account with the last XXXX of my social security number ; when I declined to provide my personal and confidential information they told me that I could call back to customer service. I asked if there was a phone number to call to reach a manager and she said there was not - the only way to talk to a manager is for them to call and that they couldn't discuss the issue without verifying my account. Today, XX/XX/XXXX, I attempted to call again and was told that they would not reverse the {$29.00} late fee because they showed sending out a statement and their policy is to only reverse XXXX fee in a 12 month period. I reluctantly paid the {$26.00} that they say I was passed due on in order for them to reverse the XXXX fee of {$40.00}.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: unfortunately i decided to make a deposit at td bank on monday night! the ATM was working perfectly after I put the money inside an error message appeared saying I even have the photos! then the message appeared saying that the machine had a technical problem and that he would not be able to return the money or make more deposits, and asked me to put the deposited amount! unfortunately I didn't check the correct value but I know it was around XXXX to XXXX! because I always deposit and the machine counts the money so I didn't count it because I never imagined it would be stolen by the bank itself then I changed the ATM and deposited another XXXX and that deposit worked!! on tuesday i tried to call this bank and the phone just does not work i called several times! I can't go there because it closes at XXXX I can only go on Friday but I want them to give me my money back! they put in the app that i only deposited a XXXX dollars thats a lie they stole me i want my money back and then i want to cancel the account and then file a lawsuit against this XXXX bank for all this inconvenience!!!
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: This's the second complaint related to XXXX ( TD Bank NA close account ). TD Bank sent me a letter saying a check was mailed to my address on XX/XX/XXXX and I should receive it in about XXXX business days. Check never arrived, I went to the store XXXX XXXX and also XXXX XXXX XXXX on XX/XX/XXXX and they told me they need authorization from the Regional Manager to issue a new check. I clearly said I don't want to mail me a check again, I want to pick it up at Store as soon as possible. I called on XX/XX/XXXX and requested to escalate this issue and nobody is calling me back to give me some answers about where is my money and when I could get my money back. Too much frustrated dealing with this and also this situation is impacting me financially, {$8.00} dollars I have no access to and I had to borrow money to pay my bills. Unbelievable!
Company Response:
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I believe that there is identity theft because my credit report shows two closed off accounts that are not mine and I do not recognize them. The first account is from TD bank and there is a written off charge, past due balance of {$23000.00}. The account was opened in XX/XX/XXXX. " The credit line was suspended XX/XX/XXXX- XX/XX/XXXX ''. I have never opened an account with TD bank. The next unknown account is with XXXX XXXX XXXX. The written off charge is {$8200.00}. On XX/XX/XXXX, I called XXXX, filed a dispute, and placed a fraud alert on my account. On XX/XX/XXXX, I called XXXX XXXX XXXX and filed for identity theft and fraud alert. I also called XXXX, again, because the dispute results claimed that both of the unknown accounts were mine. However, they are not. So I filed a dispute again for fraud alert and identify theft. They said that I will receive the results in 30 days or less.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I have a credit card with TD Bank for over a year and had chosen " paperless '' billing and account management. Over the past 6 months I have not been able to access my online account in a consistent manner. When I try to log on I get error messages telling me that " something does not match ''. I go through the process of recovering and changing my password which all seems to work fine ( the website recognizes my ID, sends me a one time password by text, and then allows me to change my password telling me " confirmed '' ) but when I try to log in again I get the same error message and can not access my account. Because of this problem, and the fact that I do not get paper bills, I have made late payments and have been charged late fees and increases in my APR. I have no way of paying my bill or see my account status because I can not access the account online through no fault of my own. Every time I try to resolve the problems I have to spend 1-2 hours of my time on the phone with customer service who eventually resolves the problem but 1-2 weeks later I can no longer access the account due to the same problem. I have also had several dropped calls when speaking with customer service and attempting to get the late fee waived as I did not have access to my account online and was not getting paper statements. I have requested to speak with supervisors when the initial customer service representative could not help me but each time I am told that no supervisor is available and I should call back another time.
Company Response:
State: NY
Zip: 10021
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: 1. Never received first bill from Target.They are now trying to charge a late fee while i never received first bill AND they have messed up my account so i can not login to pay them with my same email ( seen here ) 2. Tried to cancel another store card with them which they refuse to cancel. still shows active in portal etc despite them saying its cancelled. Need this fully cancelled and need this done so i can use this account with my email for the new care ( see part 1 ). Semi related to above due to old card messing up the portal and keeping me from paying. Had one of their collectors call me the other day which is when i realized payment was even late. I knew i had one due and was hoping would fix these issues before then but now I need late payment removed and this fixed.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: My old Nordstrom Store Card still apoears on my credot report.
Company Response:
State: PR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account was a identity thef ( NORDSTROM/TD BANK USA ) was XX/XX/2019, some one take out this account, i report this to this company!!!!
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I CHECKED MY CREDIT REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.
Company Response:
State: NY
Zip: 10033
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I CHECKED MY CREDIT REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.
Company Response:
State: NY
Zip: 10033
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A