Date Received: 2023-02-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: TD bank sent my bank mail to my father I'm New Jersey. I have not lived there in 2 years. He obtained access to my account t and made an email for access to my account and statements. I had to go to the bank to change my address back, change my email, and file disputes. The bank eventually a fraud report and closed the account. This took several trips and calls to to the bank before any action was taken.
Company Response:
State: FL
Zip: 33496
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Other transaction problem
Subissue:
Consumer Complaint: ON XX/XX/XXXX, I transferred money from the US TD account to my XXXX TD account, a standard practice that I have completed before. There was already a transfer template created, so the individual did not ask for an account number and completed the transfer over the phone. XXXX days past and I did not receive any money into my XXXX account. I contacted TD and they shared that an extra zero had accidently been added to my XXXX account information and that the transfer has not gone through. I asked them to fix this issue and they said they would contact me with more information. The next day I called to follow-up. They told me that they still did not have the account number correct and that I would have to receive the funds back WITH a loss of funds from XXXX XXXX rate. Another representative told me that I would not lose any funds. Their cross border banking team told me that they are a " new team '' with " growing pains '', some how this makes it okay that their clients need to pay for their mistakes. A week has gone by and I still do not have my money back.
Company Response:
State: NY
Zip: 10022
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: i am in the process of applying for a mortgage and i have submitted this to the credit bureaus because i have been a victim of identity theft and they have failed to remove the accounts from my credit report.
Company Response:
State: GA
Zip: 30084
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I applied for a XXXX credit card but was refused because of " too many inquiries '' on XXXX. XXXX shows inquiries from : XXXX XXXX XXXXXXXX, XXXX XXXX TD XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : I have a current credit card always paid on time. XXXX XXXX who is this?? TD XXXX XXXXXXXX : a XXXX bank associated with XXXX. XXXX 's XXXX XXXX. : associated with XXXXXXXX XXXX where I have a loan which is always current and paid on time. I made a purchase at XXXX this month. I DID NOT AUTHORIZE A HARD INQUIRY. CAN THEY RUIN MY CREDIT JUST BECAUSE I MADE A PURCHASE THERE??? I DID NOT AUTHORIZE ANY INQUIRIES FROM ANY OF THESE PLACES. IF I HAVE AN ACCOUNT IN GOOD STANDING, CAN A BANK MAKE THESE INQUIRIES WHICH EVIDENTLY IS RUINING MY CREDIT. MY SCORE IS HIGH 700 's.
Company Response:
State: TX
Zip: 75205
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My schedule a payment on XX/XX/XXXX. For the full balance. Of {$820.00}. The first and I spoke with on the retention team tried to keep me so he offered to take the late payment away. And reply my payment and I agreed to that. Now I am receiving collection letters and emails. Stating that I have a large amount do because the representative never reapplied the payment. At the very lease I would like to have the recorded calls listed to for further proof as to what has happend.
Company Response:
State: CA
Zip: 95660
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name XXXX XXXX XXXX XXXX XXXX and have been appointed and accepted being the executor both public & private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it. An agent of Target called me @ XXXX XXXX PST on XX/XX/2023, however i was unable to answer. I gave them a call back @ XXXX XXXX PST XX/XX/2023 in regards to the call. The agent wanted to verify that I applied for an extension of my own credit when I filled out a credit application. I verbally notified them that I, the consumer and natural person did indeed apply for an extension of my own credit. However I was asked to provide Identification, which I notified them I can provide them with a passport. However an agent of Target advised me that they would only accept a state issued ID. I am not in any possession of a state ID, as the natural right of a natural person I can travel among the land without a License. I do not operate in commerce when in my private automobile. I also have the right to identify myself with my passport. Unfortunately for this reason, I was discriminated against for not having an ID, and I, the consumer and natural person, was denied credit by TARGET when I applied for a Credit Card. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by TARGET due to the response I received. TARGET is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) as defined in 15 USC 1602 ( i ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of TARGET. If TARGET fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make TARGET criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). Thank you, XXXX : XXXX XXXX XXXX/ [ Agent/Beneficiary ] Without Prejudice, Without Recourse. All Natural Inalienable Rights Reserved.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I requested a 1-month extension for the payment due date of XX/XX/23 through the TD auto finance website. I was approved and paid just the finance charges due for XXXX. I then received an extension agreement form by mail which I signed and faxed to the number listed on the back of the form. I never once received any notification I was over 30-days past due for my auto loan until I attempted to make my XXXX payment. I called and made a {$260.00} payment for XXXX and the collection rep was unable to reach the extension dept to ask what happen to my extension due to they were unavailable, however, the collection rep confirmed it shows I was approved for the extension but the form I sent was not showing as received. Ive called several times during business hours and the collections dept has been unable to reach the extension dept. One of these reps sent an email to the extension team and and promised a call back by phone. I instead received an email from the extension team requesting I resend the form. I do not have a printer so I esigned the form and emailed it to the email provided. I then received an email that Td auto finance does not accept esignatures, this was not explained in the form instructions. This has been difficult trying to resolve as I cant speak to an actually person in the extension dept. I have confirmation the fax was received at the correct fax number and dont feel I should be penalized and marked 30 days late on my credit when I followed the original instructions provided, the company just lost the form.
Company Response:
State: TX
Zip: 75067
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I have a target XXXX credit card. I depend on their website to inform me when a payment is due and how much. On XX/XX/2023 I received a notification from XXXX XXXX that a payment had been reported 30 days late to my credit report by Target XXXX. I found this shocking as the last time I checked their website it said my next payment was due on XX/XX/2023. I immediately checked their website again and the information there still stated that the amount due was XXXX XXXX and was due on XX/XX/2023. Nowhere did it state that there was a late payment of any kind. I then called their customer service line and they refused to talk with me until I paid the amount due. Which I did happily and would have done sooner had I any inclination that I was late. After I paid they allowed me to speak with a customer service rep and began a dispute regarding the adverse information reported to my credit report. On XX/XX/XXXX I received a letter from Target dated XX/XX/XXXX stating that they investigated my concerns but would not remove the adverse information from my credit report. I then called the customer service line again and was hung up on. I then called again and the rep said my only recourse was to call the corporate office line and provided me with this phone number XXXX. This turned out not to be a corporate office line and actually just an information line about gift cards. I called the original customer service line again and was told there is nothing they can do and that their supervisors are not allowed to communicate with me. They left me with only one option of again entering a dispute into the system that had already failed to fix the issue. I have since looked over my payment history and realized they have charged me late payment fees multiple times despite never informing me of a late payment. I suspect this XXXX be an effort to intentionally mislead customers so they can make more money from late payment fees.
Company Response:
State: CA
Zip: 92104
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: TD bank withdrew XXXXXXXX XXXX that I deposited via remote deposit. they tell me that there was a transposition of one number and that the XXXX was withdrawn without my knowledge. the XXXX check that i deposited is no longer to be found and no one from TD will look at why they say not there and we have the right to say there was an error and withdrawal funds I am out XXXX.
Company Response:
State: PA
Zip: 18901
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My personal checking account has been locked from completing any transfers to any external accounts. I have called the company four times to lift the hold on external transfer. Each time I was reassured that it would be resolved within 48 hours. It remains unresolved and my money is trapped within this account.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A