Date Received: 2023-04-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was checking my credit score. I noticed an alert. The alert said a new credit inquiry. I did not allow XXXX XXXX XXXX XXXX to run a credit report. This credit report was run on the same day I was notified of the alert, XX/XX/2023. Did not allow access. Did not allow permission. I want this New Inquiry removed immediately from my credit report.
Company Response:
State: VA
Zip: 22701
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: TD Bank violated law when they closed my credit card account while I was actively disputing billing errors on the account. They closed the account on or around XX/XX/2023 without any prior notification and in violation of TILA. They failed to respond to the disputes sent but continued to report the erroneous, unverified, inaccurate, false and misleading information to consumer reporting agencies. They also failed to conduct a reasonable investigation and provide documentary evidence of any investigation regarding the billing errors. They are negatively impacting my consumer reports by their unfair and deceptive business practices. I want the CFPB to ensure TD Bank does not violate my federally protected consumer rights. I want TD Bank to resolve this matter by crediting the closed account balance as paid in full, issuing a new credit card with a {$11000.00} limit and to delete and discharge the closed account from all consumer reporting agencies databases. TD Bank also breached the credit card agreement at the onset by failing to provide accurate information regarding the arbitration clause in the agreement. The XXXX is no longer allowing TD Bank to use their services and TD Bank failed to provide the agreement detailing the correct arbitration process. If they do not amicably resolve this matter I will file a US District court complaint.
Company Response:
State: VA
Zip: 23602
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Had reached settlement agreement with TD Bank to settle account for {$1500.00} in XX/XX/XXXX. I called TD Bank and made payment over the phone with td bank agent in XXXX of XXXX and instead of taking the amount that was agreed to in writing and over the phone, the agent took the full balance of {$3100.00} without my permission or knowledge. Attached is the agreement in writing and receipt from the website on the payment amount and date they took it. In the meantime, I have been in touch with TD Bank since XX/XX/XXXX. I spoke with several people. The last person I spoke with was a supervisor named XXXX XXXX. His agent number is XXXX. He reviewed the phone call from XXXX on XX/XX/XXXX and verified everything above. He stated he is reaching out to his accounting department to see what could be done. He told me he doesnt know if they will refund me or not. I asked for that in writing and anything else they do and he couldnt provide me with anything but passed the message along. I asked for a resolution timeframe and he could not provide me with any timeframe.
Company Response:
State: PA
Zip: 182XX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In trying to make payments via the Target XXXX app, I got repeated error messages and would have to try numerous times before the payment would go through, making my payment 'late ' I contacted customer service and was told nothing was wrong with the app. This is the only account showing late on my credit report and I tried disputing these late payments which did not happen so I wound up here.
Company Response:
State: TN
Zip: 37716
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/XXXX I went into my local TD Bank branch to send a wire money transfer to XXXX. The amount was approximately {$50000.00} us. I was told by the representative there that it usually takes three to four business days to get the money on the other end. On XX/XX/XXXX, as the money has not arrived to the destination yet I communicated with the destination bank and found out that the XXXX code that I provided was wrong. On XX/XX/XXXX I provided the correct XXXX code to TD and they said they can include that in the wire transfer to have it sent to the proper destination. Since XX/XX/XXXX I have had multiple communications with TD Bank with no explanation of why the money has not arrived at the destination until now, today is XX/XX/XXXX. The explanation that I get from TD is the intermediary bank, which TD Bank uses, has the money and they have been trying to reach them with no answer. It is very concerning to me the TD chooses to use an intermediary bank and send their clients money to and they have no way of communicating with that bank or tracing their clients money. Until this point I have no answer from TD as to where my money is. This money is used to pay a loan to my corporation in XXXX and should have been there by XX/XX/XXXX. I acknowledge that I provided the wrong Swift codes, but at the very worst case scenario if the time I was quoted earlier of 3 to 4 business days was when you have the correct information, having the wrong information and correcting it should not should not take more than double the time. It's now about 20 business days and I have no idea where the money is. The destination Bank in XXXX, XXXX XXXX XXXX XXXX does not require an intermediary bank. Unfortunately TD is blaming the intermediary bank and completely not taking ownership of their selection of that bank. At some point during the process the intermediary Bank asked for extra information which works provided immediately including my residency status, citizenship and place of birth. I find it very puzzling that a bank is asking about my place of birth for the sake of sending a wire transfer, it sounds like XXXX profiling to me. All the above information can be corroborated with the chain of emails that I had with TD Bank. I also find it concerning that TD never mentioned that they use an intermediary bank. It's worth noting that last year I sent a wire transfer using TD Bank to XXXX to a different to a different bank account using all the correct information yet that wire transfer was also delayed and I was not given a good reason.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I had a joint account with my Mother who passed away in XX/XX/2021 with TD Bank. The account # XXXX. After my Mother was placed in a XXXX XXXX my Brother XXXX XXXX XXXX took a fraudulant Power of Attorney to the Bank and obtained signature card on the account. Once I was made aware of this, I contacted TD bank 's fraud department who reviewed the Power of Attorney had the signature and all checks stopped on the account. However, I have discovered that the account was closed without my knowledge or notice. I have never received any notification of were the funds where transferred to or that the account was being closed. In addition the fraud department was made of aware of telephone transfers from my Mothers account while my Mother was XXXX XXXXXXXX recovering from a XXXX.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: TD bank has blocked refunds transactions to my account. I purchased several items from XXXX. Ive noticed since XX/XX/XXXX, on certain purchases the refunds were not going back into my account. I called TD to let them know my refunds from XXXX are being blocked. I spoke to numerous representatives and I have gone through several channels of communication. The last straw was speaking to XXXX a supervisor who said she would adjust my card so refunds would go back to my card automatically. The refunds did not go back into my account. At the time I am writing this, XX/XX/XXXX. A few more of my refunds failed to appear into my account after speaking with her. The bank has failed to explain to why they blocked refund to my account and failed to give me any prior notification. This is unacceptable and unreasonable behavior from TD. I am owed more or less of XXXX XXXX+ dollars of refund than and I want the money returned to the account. Sadly, my relationship with TD will end due to their lack of professionalism.
Company Response:
State: CT
Zip: 06614
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I opened a joint savings account end of last year approx. XXXX or XXXX at the branch location in XXXX XXXX, NY. The employee stated there's no fees associated with this account. I normally make transfers from my savings to checking. This year in XXXX, I noticed a fee called " excess fee of {$9.00} charged over and over. I did not see this appear on statement or the app until this year. I called TD in XXXX, inquiring about it and the rep stated its fee associated with the account when you exceed the limit. I told the rep how I was informed no fees were associated with this savings, and why is TD charging me without informing me of such service changed? I told the rep I want a full refund of every excess fee of {$9.00} in this joint savings and in my own savings account. No one informed me of this. This is bait and switch service which is illegal and violation of federal rules. The rep gave me {$90.00} but this is less than what TD sneakily took from me. I want all of my money back from every excess fee charge. TD has a pattern and history of stealing consumers money!
Company Response:
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I was a victim of fraud someone opened a XXXX dollar credit card in my name I called TD credit and the card has been shut off but I dont know who opened the account
Company Response:
State: OK
Zip: 748XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The some information listed on my credit report does not relate to the request I have made on my behalf so those items should be removed
Company Response:
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A