Date Received: 2023-02-05
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: XXXX called coustomer service to get billing. some time around the XX/XX/ i do not remember the exact date.they said that it should be mailed out soon. and they gave me the account number and toled me to log in to XXXX to log in i was unable to log in or creat the account. XXXX XXXX i tryed to log in again to pay on the account and again i was unable to.when i try any thing like loging in or to get account name or password i get this message. '' We can not verify the information entered. Please try again or contact us at XXXX '' also when on the site they miss leading link disguised as links to help you log in.which instead takes you to a site where you need to give them a credit card number to use the site.in witch you have a small box at the bottom with small writing you have to un click in order to no be inrolled in a product the you have to pay after a trial period. i unmarked the box but then imediatly a charge was atempted on my credit card .I feel that the site is fradulent and dangerous to do ant buisness with it is only there to facilate late payment charges with fees and miss lead you into paying for things that you have NO intention on using or paying for
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was charged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and more from various bank accounts, as well as accounts opened under my name. Please help me. Furthermore, XXXX tried to take XXXX XXXX from my account but was blocked due to suspicious activity on all my accounts.
Company Response:
State: NY
Zip: 11367
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received mail from XXXX XXXX XXXX in mid XXXX asking for further information before they could issue me a credit card. I knew that I had not applied for credit anywhere recently, so I checked my credit report on XXXX. I discovered that multiple hard inquiries were made and that a XXXX XXXXXXXX with a {$3200.00} limit was successfully opened on XX/XX/2022 with a {$3200.00} limit. XXXX XXXX XXXX : I let them know the application was fraud. No further action needed TD/Samsung : XXXX tried calling multiple times and kept getting transferred to the different departments/companies. I was able to find out that the card was used at XXXX XXXX. I called XXXX XXXX and was told that the purchased product had already been picked up and there was nothing they could do. This card still shows as open on my XXXX and has a {$2800.00} balance which is affecting my credit score. I have been unable to get this card closed. XXXX : I put security freezes on my file. I disputed my hard inquiries with XXXX and they removed them from my report. XXXX advised to make a report here.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, Td Bank and I agreed to fixed Rate option interest rate on outstanding heloc of $ XXXX 4.99 % for XXXX. But instead charge me a higher rate of 6.89 % On XXXX XXXX, XXXX, a XXXX agreement was entered into between Td Bank and I to fix the same $ XXXX 4.99 % for XXXX yrs. On XX/XX/XXXX Td Bank fixed my entire balance of {$410.00}, XXXX 6.89 % ( this includes the {$260000.00}. The higher interest rate on of 6.89 % ( as oppose to 4.99 % ) is costing me over {$500.00} more per month in interest payments.
Company Response:
State: VA
Zip: 20169
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This complaint is solely aimed at the unprofessional, disgusting practices of TD Bank. They once again erroneously froze my joint account and took mine and my wife 's funds out, all of her funds due to some alleged garnishment in Virginia. Even if the garnishment was legal, in Florida, the most theyre allowed to take is up to 25 percent of the salary, but the truth is, she is also the sole provider for the child so they cant take anything! What gives them the right to take all my wifes money and my money out of our joint account????? Theyre not allowed to take more than 25 percent, and since she's the sole provider for the child they aren't allowed to take ANYTHING under the Florida law. The same thing happened last year and TD Bank apologized and released the funds. Apparently theyre doing the same exact thing again this year because they failed to train their employees on this issue! They froze my wife 's funds, took her checks. My wife 's accounts were suddenly put into XXXX, including my joint account that I have with her and its frozen because a collection attorney claimed that my wife owed around {$5000.00}. They created a garnishment summons out of thin air!! What is this based on? And what gives them the right to freeze our joint accoint and hit us with {$150.00} in fees? And what makes this even worse is that my tax return, in my name, is set to go into our joint account and they refuse to release any of it. Its my money! I don't know or understand why TD Bank is doing this when they even admitted that the attorneys behind this shady garnishment submitted the wrong paperwork the last time this happened, and that they also can not find the judgment. TD Bank once again refuses to put any of this in writing, they dont know what theyre doing and cant answer simple questions, which makes it even more shady. I respectfully request CFPB gets involved in this incredibly unprofessional business practice at once. The XXXX department needs to be trained better and TD Bank knows better.
Company Response:
State: FL
Zip: 33426
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been identified as a member of the Settlement Class in XXXX XXXX XXXX v. TD Bank, N.A in which plaintiffs allege the defendant unlawfully assessed Retry NSF Fees. The Final Approval Hearing in this case occurred on XXXX, 2022. I have repeatedy tried but have not been able to get an update on this matter. Below is the contact information for the Settlement Administrator : XXXX XXXX XXXX v TD Bank , N.A . c/o XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX Free XXXX ( XXXX ) XXXX Email : XXXX Kindly assist. Best, XXXX XXXX
Company Response:
State: NY
Zip: 10552
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: This Complaint has been filed against XXXX XXXX XXXX ; TD Bank N.A. FDIC cert # XXXX for discriminatory practices in which I was victim to yesterday XX/XX/2023 as a XXXX female. I have been a patron of this Bank for over two decades and this has been the most insulting and dangerous direct form of discrimination that I ever faced. On XX/XX/2023 I entered the TD Bank NA located at XXXX XXXX XXXX XXXX, XXXX XXXX Fl XXXX about 3XXXX and approached the tellers station to get a notary done for my XXXX childs passport application. My husband who is a XXXX XXXX XXXX Veteran had to notarize the minor form because the Post Office required so since he would not be attending the appointment. We approached the desk and I gave the teller XXXX who stated she was a notary the passport form and my husband Alabama state license. He signed the application form in her present. She stated she could not use the Alabama state license as it was out of state. Then my husband gave her a paper from the department of motor vehicles that showed it was a valid state id and he had his CDL license. She stated no he can not use that. My husband then ask her if he can use his military ID. She stated NO. We went into the parking lot and I told my husband this does not seem right because your military id is government issued. As such I took the notary class before and remember that being on the list as acceptable IDs. I then XXXX it in the parking lot and sure enough a military government id was an acceptable form of ID in Florida for a notary. I told my husband let me ask her again if it was ok with the military id and show it to her. I proceeded back in the branch with his military id and he gave me his TWIC card. XXXX the teller was engaged in an argument with a XXXX male customer. The XXXX male voice was elevated and loud as the entire Branch was silent listening to the brawl. The XXXX male stated out loud I just want to withdraw money from my XXXX account! And you refuse to give me my money! XXXX stated to him she can not give him the money in his account until he tells her where the money came from because he took out a loan and it wasnt with TD bank. This XXXX male then screamed out I dont have to tell you where my money is from its mine. She proceeded to go back and forth with him. The XXXX male then dropped the XXXX XXXX again stating You was going to XXXX have me walk out of here! No manager came to XXXX aide. She was red in the face and stuttering to the man. I was completely shocked at this XXXX male using profanity but other patrons in the bank was empathizing with his situation. The XXXX male after stating Im on my lunch break and I should be eating right now, informed her I will never come back to this branch he walked out without his withdrawal. I was next in line. I showed XXXX my husband military id and TWIC card and ask her again can we use it as I XXXX the military id and it is an accepted form of ID. XXXX looked at me and stated loudly I told you I am not notarizing your paper! I ask her who else notarize in the Bank and she stated one of the ladies do on the platform. This is when I called TD Bank customer support number on my phone. In the mean time I walked over to the first lady on platform and stated Excuse me miss do you notarize? she stated yes. I ask her can my husband use his military id as a form of id to notarize the minor passport form. She stated Of course, a military id is acceptable I will do it for you. I stated thank you. I informed XXXX who made a statement out loud that the new notary lady should not notarize it, that the other notary stated it was an acceptable form of ID and she should not have refused to service us as this was discrimination against us and my husband is also a veteran. I also informed her I was on the phone with TD Corporate. At this point representative XXXX was on the phone with me from TD customer care. The next moment a XXXX lady who was sitting on the platform jumped out of her seat in my face without any introduction and started to scream loudly : Excuse me mam you can get out we are not going to service you. I told her to remove herself from my face I was not talking to her and Im on the phone with Corporate. I did not know who this lady was. She then continued to scream at me that I was disruptive and loud. I ask XXXX who was on the phone if she is hearing this and she stated yes, she is documenting. I looked at this XXXX lady badge which stated TD BANK with the name XXXX on it. She stated over 3 times they are not going to service me. She was extremely Confrontational and Loud. A XXXX customer lady came up to me and stated Excuse me, I saw the entire thing you are right they are discriminating against you. The XXXX customer stated TD Bank has a policy of not discriminating against customers she stated I needed to report this right away to TD head office. I thanked this XXXX customer and told her I was presently on the phone with customer service. This XXXX lady stated to me I am next after that couple you can take my spot on the platform line. She then stated They are very unprofessional and rude in this Branch make sure you report this. I thanked her for the spot in line as now I would have to wait behind 4 people that just came in after me. As I waited for the other notary on the platform for about 45 minutes, XXXX continued to be confrontational. My husband ask her why are you refusing to service us. XXXX then stated with a smirk on her face and turned to my husband and stated I will not serve her pointing to me. I told XXXX I never ask her for her service and informed my husband that the other lady was the 2nd notary not XXXX. XXXX was again confrontational stating NO ONE IN THE BANK is going to service us and she is going to call the police on me and tell them I am loud and disruptive. The other customers in the Bank gasps. I told XXXX when the XXXX male was in here using profanity and she did not budge out of her seat to address that confrontational loud situation. In fact, the XXXX male cursed at XXXX 2 times using the F word and continued to stay in the Bank with no interruption. I never used profanity, was loud or disruptive. XXXX displayed this behavior and also seemed upset because I was on the phone with Corporate. XXXX the customer service representative stated she was documenting. My husband stated this is unsafe and informed me we should leave before XXXX calls the police and lie on me as a XXXX women. My husband also appeared scared and told me XXXX was escalating the situation. I told XXXX on the phone that I exited the Bank after XXXX repeatedly threatened me to call the police and lie in a true XXXX fashion. XXXX stated again she is sending an email out in regards. I was denied service as a XXXX patron. I was discriminated against as I was treated different than the XXXX patrons that day. I was also aggressively confronted by XXXX who I later learn that day is an assistant manager of the branch. At no time did XXXX introduce herself, offer help etc. She blatantly told me I will not be serviced and she was going to call the police on me and lie. As a professional women I was insulted and in fear of my life as this XXXX women was engaging in this XXXX behavior threatening to lie to me with the police. This was a very degrading experience. My husband was also in fear and informed me that she was telling the XXXX customers at her table that all she have to do is call the police on me. She also was telling these XXXX customers sitting at her desk that she is not going to service me. The phone unfortunately disconnected with XXXX when my Bluetooth connected in the car. I called the contact center back and spoke with representative XXXX XXXX who stated this behavior by these 2 TD reps in the branch was unacceptable she transferred me to the supervisor XXXX XXXX. I was emotionally distraught at the fact I was refused service because XXXX XXXX XXXX XXXX XXXX XXXX. The Fact that this lady XXXX at the bank was so confrontational with me and continuously telling me that NO ONE AT THE BANK IS GOING TO SERVICE ME and SHE IS GOING TO CALL THE POLICE ON ME TO LIE AND SAY IM LOUD AND DISRUPTIVE was so extreme in degree as to go beyond any possible bounds of decency. As a XXXX women XXXX apparently did not want me to voice my concerns that I was not being serviced when we presented the right form of ID. This practice of XXXX XXXX people to try to shut you up when your speaking and remark you as disruptive or loud is a pattern of passive aggressive behavior that is commonly used when a XXXX XXXX person is trying to deflect from their XXXX practice. It is a practice to create confusion and label the victim as deviant to cover up their XXXX actions. This has been seen in America as the act of a XXXX. XXXX continual behavior to taunt me and my husband was so outrageous in degree and intentionally and recklessly carried out in a federal place of business. She did not care that I was on the phone with TD Bank customer support Center because she felt a right of privilege and entitlement to refuse to service me and my husband even though we meet the qualification for a notary service confirmed by a 2nd notary in the Bank. As such we were not serviced even after waiting about one hour.
Company Response:
State: FL
Zip: 33470
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: am a XXXX man and an XXXX citizen of XXXX decent. I have cause to believer that I was XXXX XXXX. by TD Bank On or about XX/XX/XXXX, I deposited the sum of XXXX XXXX dollars, in XXXX dollar bills into account number XXXX at your branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account belongs to XXXX XXXX XXXX, a friend. The next day following the deposit, I received a call from XXXX XXXX informing me that the bank requested to see me concerning the said deposits. I immediately presented my self to your Store manager XXXX XXXX XXXX. At first he told me that the bank suspected that some of the XXXX dollar bills that I deposited was counterfeit. He made several verbal attempts to scare me by employing certain derogatory innuendoes. Including. but not limited to questions such as whether I have ever been arrested for depositing fraudulent dollars bills with a bank in the US. I told him unequivocally that I got my money from a certain branch of XXXX XXXX XXXXXXXX in XXXX XXXX. I also insisted on viewing the alleged counterfeits. He left me in his office and came back about a minute later to announce that, and I quote, it has been sent out for verification I countered him immediately by asking him if used the word it which meant that it was only one. He admitted to that but very reluctantly. I immediately requested to be provided with a copy of any and every documentation to show what agency it was sent to. All of a sudden, he appeared to be in a hurry to dismiss me. He said that it will be sent to the owner of the account. Suffice it to say that no such document was ever provided. He told me that the alleged fake {$100.00} bill was sent to two separate Federal Agencies. The Bureau of Achohol and Tabacco, and the FBI. He also told me that it may take between 90 to 180 days to complete the investigations. He requested for my personal information such as address and phone number, which I provided, albeit reluctantly After asking me several intruding questions he instructed me to insure the availability of my person in the future for the ongoing investigations. At the expiration of the first 90 days, I visited XXXX XXXX and he said that the investigations has not been completed. It may be instructive to note that I made several periodic visits between that and the 180 day mark. All all to no vail. Each time I showed up at his branch he would pretend to be busy. On one occasion he told me that the money has been returned and credited to the account holder. This again turned out to be false. He was later transferee to another branch. No attempt was made by him to contact me upon his transfer. When Ii contacted the new manager XXXX XXXX he promised to look into the matter. However after two weeks he confessed that there was no record to show that any such issues was pending. O one at the bank was willing to provide me with any information concerning XXXX were about. On or about XX/XX/XXXX, approximately 14 month or morel from the beginning of this ordeal, I found XXXX XXXX at anther TD Bank. Suffice it to say that I was enraged and threatened to call the police to have him arrested. Two days later the money was credited to the account holder with neither interest or apology.
Company Response:
State: MD
Zip: 20737
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My name is XXXX XXXX. On XX/XX/XXXX, someone claiming to be me, opened an account with XXXX XXXX XXXX through XXXX online using my ssn, birthdate, and address which were available on the dark web after the XXXX Target breach. The person used my maiden name, XXXX XXXX, which I haven't used since XXXX and took out a loan for {$16000.00}. I called XXXX and XXXX after receiving the welcome packet for the loan saying this was not me, and they said not to worry about it as they put it in their fraud department. Later I got a letter with a late fee. I called again and they seemed to act like they understood. Then I was sent a letter from a collections agency. I called and said that this was fraud. They sent the case back to XXXX. Now XXXX is asking me to prove that it isn't my account. They asked for my identification, a dispute letter from identyTheft.gov and a note from TD Bank proving fraudulent activity. I gave them all the information, except the note from TD Bank because that is not my account. They said we looked it up and your name is on the account. TD Bank has tons of accounts with the name XXXX XXXX. I called TD Bank and they did not have any accounts open with my ssn, phone number, or address. Because my information did not match up and XXXX had only given me the last 4 digits of the account number, they could not help me. XXXX won't listen and says I have less than 30 days to prove that is not my TD Bank account or they will assume that the loan for {$16000.00} is legit. XXXX allowed a person to take out a large loan without asking for anything but a name, birthdate, address, and ssn. They did not ask for identification. I asked them and they confirmed that they don't with online loan requests.
Company Response:
State: IL
Zip: 60440
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please forward me any documentation providing proof I applied for credit with this creditor. This includes any and all signed consents for running my credit by myself ( XXXX XXXX ) If you can not provide such documentation, then please remove this inquiry from my credit file immediately. i am again launching this dispute due to an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for credit with your company I am also asking that they remove the inquiry from my credit profile. Please launch an investigation into inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A