Date Received: 2023-04-11
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I have been paying down my debt on my TD Cash Card and the interest rate was going down until today i noticed that the bank increased the interest rate almost XXXX XXXX. When i called them up they told me that the interest rate was variable. I can respect that but for two things : there was no interest rates increase from the fed in the time the bank decided to increase the interest rate on the card.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Gift cards that not used - the expiration date on the cards was what i went by - however, not TD Bank they took most of the funds on the cards.
Company Response:
State: NJ
Zip: 08043
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/XXXX, while checking out my cart for an online purchase ( XXXX ) of approximately {$250.00}, I applied for another XXXX XXXX XXXX XXXX credit card. ( I previously had their card about 6 or 7 years ago, but when I paid it off, I closed the account. ) The application was denied with a message that said " XXXX XXXX XXXX XXXX is unable to provide credit at this time ''. No reason for this denial was given, which concerns me because I have a XXXX score of XXXX as reported by XXXX. It's my understanding that lenders are supposed to advise the reason for denial, even during " instant '' credit applications.
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: This is the third complaint against TD Bank which is systematically lying in its responses. Although their response of XX/XX/2023, fraudulently claimed that " no credit card claim found for XXXX XXXX transaction in question in the amount of {$280.00}, that particular charge was reflected on the credit card # XXXX on XX/XX/2023. Then there was another lie about our alleged failure to file a dispute. We have been disputing charges of XXXX XXXX. On XX/XX/2023, we called TD bank and talked to a person by name XXXX who transferred our call to a fraud department, and I talked to a person by name XXXX. In response to that dispute of illegal charges made by XXXX XXXX TD bank issued a new credit card. But when I started to use the old charges showed up. It was when I filed a second complaint because I felt cheated and abused. Moreover, I disputed charges in my written correspondence to TD Card Service in XXXX OH. On XX/XX/2023, I provided documentary evidence of XXXX XXXX removing all their fraudulent charges to CFPB and TD Bank. But TD Bank continues to lie about the situation!!!
Company Response:
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Improper use of your report
Subissue: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: I did the lifetime opt out of prescreened offers a few years back but recently got such unsolicited pre screen offer from tdbank
Company Response:
State: NY
Zip: 11372
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I Have always paid my credit card, but recently I lost my job. My payments were rather high for my target account, so I wanted to check the account since I knew I couldn't owe that much since I had not used my card and last time I made a big purchase was in XXXX I believe to buy my then boyfriend a TV. My bill was at over {$700.00} bc of late fees when I checked. So I went back in my statements and saw that in XX/XX/XXXX a payment was returned. I have my account set to auto pay, which adjusts and should have made that payment in XXXX as well as the returned payment. My autopay is not the same every month, it adjusts according to what is due. I was not notified of a missed payment and my auto pay kept going while target was charging me {$40.00} in late fees every month. When I spoke to someone in XXXX she just kept trying to make me make a payment, while I was asking her to explain why I should be responsible for these late fees if the system had not adjusted the payment. She was not helpful at all, and just kept saying it was my fault and claiming she could not see payment history or statements back that far. If she really couldn't see that, she should have found someone who could instead of blaming me and demanding a payment. I could understand if it was a fixed payment but it changes every month. I do not feel I should pay over {$900.00} for fees when my card should have been paid off by now.
Company Response:
State: IL
Zip: 60402
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/2023, I received a call from XXXX saying that someone had placed three orders on XXXX with a credit card associated with my XXXX account, but with an email address and phone number that did not match my account. I confirmed that I had not made the purchases and they were able to cancel one of the orders before it was processed. I immediately called TD Bank and cancelled my credit card and reported two fraud charges- one for {$1400.00} and another for {$1300.00} ( totaling {$2800.00} ). I did not hear anything else from TD until XX/XX/XXXX when I received a letter ( attached ) saying that my fraud claim was denied because they claim the CVV provided for the purchase was correct ( which is possible to accomplish with identity theft ) and because there was " unclaimed activity after the fraud began ''. I later found out that the charge for {$1300.00} was not included on the initial claim, which I believe was the reason that this fraudulent charge was considered " unclaimed activity. '' In addition, the total amount in the claim was completely incorrect. When I pointed these discrepancies out to TD, I was told that they did not matter because I had a prior relationship with Apple because I purchased something from their website over a year ago. I refiled the claim for the correct amount, but the {$1400.00} portion was immediately denied because it had been part of the initial, improperly filed claim, and the other portion was subsequently denied presumably because TD had already wrongly judged it as " unclaimed '' non-fraudulent activity. I have since also filed a police report ( attached ) for the charges and associated identity theft with the XXXX XXXX Police Department in XXXX, NJ, where the fraudulent orders were placed for pick-up at the Apple store. The police are currently investigating my case. TD has repeatedly told me that they do not believe fraud occurred and they are unwilling to do anything besides refile the claim, which results in an almost immediate denial since some steps of their claim process seem to be automated.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Monday, XX/XX/XXXX Nordstrom closed my account without notifying me. I had bill paid on this credit card which is a Nordstrom Visa card. ( Good thing I called regarding receiving a new card ) I spoke with several reps and managers and was told due to my credit score, they would not issue me a new card. I reviewed my Nordstrom report online which states I was in good standing paying on time and my credit score probably was not reported correctly by XXXX. I was a member since XXXX, I was devastated by Nordstrom closing my account which I used to pay my bills. Also, I noticed online Nordstrom has a blacklist for consumers which they use to close their accounts. I was never notified was makes the decision disheartening and I thought I was a valuable customer, especially during times when consumers need assistance. Nordstrom is looking out for themselves and no I have to pay a credit card that I can not not use.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: CFPB THANK YOU FOR ALL THE HELP, TD bank i have account for over year open with them the only allowed me to do wire, i can not pay my employees with ACH, i can not used my debit card, i can not withdraw money from the account end the charge me {$1500.00} for every wire i receive because im not allowed to receive ACH is well, so the charge me for every wire i do its {$3000.00} its my business account, so all this month bank been charge me more then {$10000.00} in fees end i still can not used the account can not complain i went to the bank so many time, i can not remember how many times i complain about this situation with then so please help me out again
Company Response:
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Problem with a company's investigation into an existing issue
Subissue: Problem with personal statement of dispute
Consumer Complaint: In lieu of my account being completely closed and unable to be opened back up, I am now writing this complaint to protect myself so that this should never happen to anyone again!! My td account has recently been closed due to someone sending me fraudulent checks!! I deposited them because they told me they had a company and that they wanted my painting done this happened on XXXX. After that we started a conversation threw texting and he said he would pay me for using my picture to be painted! I was told they were his company checks that I would be paid with and that a certain amount of money would have to be sent to the person painting my picture for painting supplies and that I would get paid a certain amount for my portrait being painted and him using my photo. I thought this would be the best way to protect myself because after the checks that I put into my bank account bounced I noticed that this was a terrible idea and because its such a bad recession at the moment thats when I knew I had been set up with fraudulent checks!! My TD Account was closed and I called The fraud department and they said because of this incident that my account is closed and just to be careful with any and all transactions and or delegations that anyone were to come to me with in the future! The email account that was used to text me is ( XXXX ) and the email that he used to provide me with the checks is ( XXXX ). The last two bits of information that I have is the email address that he initially wanted me To send the money once it cleared to this XXXX account which the address that they provided me with is ( XXXX ) the name being XXXX XXXX which when I originally proceeded to send the money it did not go threw so I had to send the money with XXXXXXXX XXXX cards my!! Anyhow I wanted to give the information to Td but since my account is closed they wouldnt allow me!! I am deeply bothered by this and I dont want any problems the checks were sent to me by mail and I never knew that you werent able to take a picture of a check through your email and add it into your account, but now Ive learned my lesson and it will never happen again! He even went as far as sending me five more checks but Im still have them on my email and I never did deposit them. I definitely want to make sure that this doesnt happen to anyone else because its insane that it happens to me and I dont want anyone to go threw the stress and anxiety that Ive been feeling now for four days but finally Ive resolved XXXX issue and as far as XXXX XXXX XXXX dont think its fair that they never listened to what I had to say and XXXX completely dissatisfied XXXX they could have taken my report and atleast put it in their notes! Another thing I forgot to provide you with is the XXXX account that contacted me from the beginning the XXXX account page is XXXX! After the checks bounced my td acct has now been closed and Im trying to protect myself any way possible!! This is the information that I have and I just want to be clear I never signed any of the checks nor did I know they were fraud at the time! Thank u so much I appreciate what you are doing for people and for My protection I thought it would be best to Inform you that the people who do fraudulent things dont care what happens to their victims and I dont want anything bad to be on my record when all I was trying to do is inform TD BANK of what is going on and how my account has been closed in the first place!! If you need any information let me know! Sincerely, XXXX XXXX
Company Response:
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A