Date Received: 2023-01-20
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: TD Bank is withholding interest income for tax purposes on my checking account ( they had also been doing the same for my savings account ). The interest income on the account is so small it is below the IRS reporting thresholds -- literally we are talking {$0.00} per month on my checking account. TD Bank previously advised that the withholding was as a result of there being an inconsistency in their system with my name and SSN. I first attempted to address this with the bank in XXXX of XXXX and was told it would be corrected. It was not. I have been a banking customer with TD for over 10 years. My social security number is the exact same number as it was when i originally opened my accounts at the Bank. In XXXX of XXXX, I went to my local branch, at TD Bank 's direction, and revised the name on my account -- reverting to my maiden name ( rather than maiden, plus married name ) and delivered to the bank a W-9 form. This is in addition to the two W-9 forms I had previously mailed to them. Notwithstanding this, TD Bank has not refunded the income interest previously withheld and as of XX/XX/XXXX they continue to withhold interest income. Now they are telling me that I need to provide a W-8 BEN form which is the IRS form for non-resident aliens. I was born in New Jersey. I brought my birth certificate and SSN card to the branch in XXXX XXXX, NY and provided them to the branch manager for evidence of my name and citizenship. Unless being born in NJ no longer makes me a US Citizen I do not understand why a W-8 BEN would be appropriate. TD Bank needs to cease withholding interest income and refund me the interest income withheld to date.
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, XXXX account identification # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Company Response:
State: TX
Zip: 78634
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: I have found some inconsistencies reporting on my credit report therefore I am requesting my original contract, full payment history, any communication which was sent to me for the duration of the lease.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: My complaint is with TD bank and misleading advertising regarding opening a savings account of a minimum {$10000.00} deposit leaving a balance of {$10000.00} for at least 90 days, after which I would be entitled to the {$200.00} bonus. I opened the account on XX/XX/2022 at the TD bank located at XXXX XXXX XXXX, XXXX, Connecticut. In XXXX, I called TD Bank and asked why I did not see the {$200.00} bonus in my account. I was told that it could take up to 180 days for the bonus to be posted to my account. I asked why it should take so long and XXXX XXXX XXXX said that TD wanted to be sure people didnt open the XXXX Account XXXX and close the account after 90 days. I told them this was misleading advertising and TD Bank should state money should be left for 180 days, not 90 days in order to receive this {$200.00} promotion.
Company Response:
State: CT
Zip: 069XX
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
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: We purchased an XXXX treadmill over a year ago. The product came with a subscription program to watch video with trainers while running. The product came with a year free of the subscription. At the end of the year, we requested that the subscription NOT be renewed as we did not use it and have NOT used it in almost a year. The company XXXX ( which, according to my research, are actually one corporate entity ) decided to charge us {$420.00} on XX/XX/2022 for another annual subscription and charged it automatically to our store charge account we have with them. We requested on numerous occasions over the past few months in email and over the phone that the service be cancelled and refunded. They have flat out refused to do so saying that it is another division of their company that handles that issue and when they transfer us to the other division, they then state that they aren't the ones that handle that issue, either. It is a looping circular system with no division taking responsibility, nor do they attempt to solve the problem, cancel the subscription and certainly not remove the charge from our account. It needs to be removed and refunded. It is fraud to charge someone for a product they have flat out refused.
Company Response:
State: OH
Zip: 458XX
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I would like to make a complaint against TD Bank. XXXX of XXXX I was in the overdraft of - {$4.00} and I could not make it to the bank month of XXXX I had COVID on XX/XX/XXXX and still had covid XXXX more weeks in XXXX. On XX/XX/XXXX I went on my web banking that day and it says I could make arrenments with TD Bank, my mother that day went to the bank in XXXX XXXX NY and deposit {$55.00} in my account and it was kept open. Today XX/XX/XXXX I got my statement and it says that TD Bank closed my account on XX/XX/XXXX the day my mother deposited {$55.00} in my account and I login to my account today and the account has been closed. I called their recovery Dept and all they want me to do is enter the ext number of the person I am trying contact. I am very upset that TD Bank did this to me why would they closed my account after my mother deposited {$55.00} in my account, did TD bank wanted me come into their branch while having COVID and spread it to other people? It is by law that if I have or had XXXX and could not make it into a branch or make payment they have to waive it. I could not call TD Bank month of XXXX I had wicked coughing attacks did they want me to cough in their ear over the phone? I was very sick that I oh most went to the ER. This is not first time I ran into problems at TD Bank I gave my mom my debt card/ATM Card so she can put money into my account and she has been for XXXX years no problem depositing money into my account at the teller. XXXX day last fall the new bank XXXX in XXXX XXXX screamed at my mother for having my card and the bank XXXX screamed where everyone in the place could hear her and she threaten my mom she could go jail because its federal law. First all if I gave my mom permission to use the card it is not crime. When I talked to this bank XXXX over phone she was very rude to me. Now I am running into another problem at TD Bank with my account being closed.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act this creditor has violated my rights Under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Received letter in the mail from TD bank stating they could not open credit line for me. I never applied to this bank/merchant for any credit. I requested credit report from XXXX and it showed hard inquiry on it from this bank. It took place in XXXX and while I do have credit monitoring with XXXX- they never alerted me to this inquiry. I called TD BANK also and theu confirmed that someone did try to open account/credit line and they used my SSN number/
Company Response:
State: CA
Zip: 90049
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I initially disputed inaccurate information with the credit bureaus and Im assuming they reached out to TD AUTO FINANCE about the information I provided. Theyre violating my FCRA rights by continuing to update inaccurate information. Theyre reporting 3 repossessions and also have different balances on credit reports. Theyre also have a repossession for the month of XXXX and a payment was made for that month. They also failed to report my last payment in XX/XX/2022 but reported the repossession and repossessed my vehicle within a week after I paid them. Theyve also reported an auto loan on my credit report which is inaccurate. Proof that its a retail loan will be uploaded.
Company Response:
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
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: RE : Complaint ID # XXXX I just received a letter from TD Card Services regarding my dispute with XXXX XXXX XXXX dated XX/XX/XXXX. They state the following : I opened a claim on XX/XX/XXXX in the amount of {$5800.00} XX/XX/XXXX I was issued a refund in the amount of {$290.00} and stated I did call back to dispute the whole amount of {$5800.00} and not just the {$290.00} from XX/XX/XXXX, which is on record. According to documentation I disputed the whole amount of {$5800.00} with my first phone call to TD Card Services on XX/XX/XXXX. TD Card Services closed the case on XX/XX/XXXX, which was after the 90 day limit. When I called they said it was a mistake and the case was re-opened. TD Card Services said I re-opened the claim when actually I did not re-open the claim, TD Card Services did as they stated to me it was due to an error on their part. TD Card Services again went past the 90 day limit. I received a letter ( please see attachments ) dated XX/XX/XXXX. Also please refer to Complaint ID # XXXX. I do believe in my opinion that because TD Card Services did not do their due-diligence and went past their deadline to recover the {$5800.00} from XXXX XXXX XXXX, which is stated in the letter addressed to me~ that they no longer have charge back rights. They are discriminating against me even though I have gone over and above of what TD Card Services has asked of me and been more then patient since XXXX regarding this dispute. I honestly thought they would back me up in this dispute as I have been with TD Card Services for many years. Please refer to Complaint ID # XXXX for all the documentation and notes regarding this claim. Spoke with a supervisor named XXXX. She said the dispute has not been closed. She had no information about the attached letter I received about it being closed. She if indeed the dispute was closed it be re-opened yet again. She also stated to me that she would be calling me back on Wednesday XX/XX/XXXX before XXXX or Thursday XX/XX/XXXX by XXXX EST with a resolution. I didnt hear back from her by said date and time. I called TD Card Services on Thursday XX/XX/XXXX at XXXX and was put on hold for XXXX minutes. Spoke with a customer service supervisor named XXXX. He could not the previous supervisors notes. He could tell if my case was re-opened as XXXX stated to me. He did however open a new case ( case # XXXX within TD Card Services. XXXX said he or XXXX would be reaching out to me on Monday XX/XX/XXXX or Tuesday XX/XX/XXXX at least with a resolution.
Company Response:
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A