Date Received: 2022-12-30
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Opened a TD XXXX Checking account ending XXXX in XX/XX/2022, completed required direct deposit of {$2500.00} in 60 days but never got the advertised {$400.00} new account bonus. There was also a fraud on the account so the TD fraud department set the account to " no check '' status. I went to the local branch and opened a new TD XXXX Checking account ending XXXX and the local branch agent told me the {$400.00} bonus will be credited to this new XXXX account, but still never received it.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am unable to access my account when on an airplane. Every time I try, the bank requires two-factor authentication but the only options for authentication are a phone call or XXXX message. When flying, neither of these options are allowed ; I can not receive XXXX or phone calls over the airline Wi-Fi . TD could easily solve this by allowing authentication via email, or a data message ( eg, XXXX ) but they have refused despite my request.
Company Response:
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received email alerts the morning of XX/XX/22 from Target that an account and a XXXX XXXX Credit Card had been opened in my name, also charging a {$200.00} gift card to the account. I reported the fraud alert to Target and requested to close the credit card opened in my name, however they had old addresses, email information, birth date, and social security information that led me to believe they had stolen my identity.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: TD/XXXX Bank advised me on XX/XX/2022 to make a payment of {$45.00} to go into a payment settlement agreement. Once I paid the amount XXXX Representative stated the Specialty Department is unavailable. I was told they would call me back. TD bank did make several attempts to call but the phone thinks it's spam and blocking the call. They did get through once and I was hung up on while they were discussing the terms of the agreement. TD bank has still not provided a letter regarding this agreement and continues to play games when I call.
Company Response:
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/22 my minor daughters bank account was robbed for XXXX. TD Bank has yet to return her money. I have filed two complaints and supplied them with the police report. My daughter is XXXX and works for her money and this is just wrong. Ive called TD numerous times and they are no help. My daughters name is XXXX XXXX and the account is in her name. I am on her account because she is a minor. Also this occurred in her savings account not her checking.
Company Response:
State: NJ
Zip: 08002
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: TD Bank has misplaced my payment for an account, inaccurately reported my account as 30-days past due, and despite its own recognition of its error and compelling evidence I have submitted, refuses to correct my credit report, despite several attempts to resolve this issue. I believe this behavior is a violation of the Fair Credit Billing Act, the Fair Credit Reporting Act, and other consumer laws and regulations, and seek immediate remedy from the Company. In the Fair Credit Billing Act, I would point out the following provision in the Federal law : " 164. Prompt crediting of payments Payments received from an obligor under an open end consumer credit plan by the creditor shall be posted promptly to the obligor 's account as specified in regulations of the Board I have submitted proof that I mailed payment to TD Bank on XX/XX/2022, which according to the USPS was delivered by XX/XX/2022. I was not credited until XX/XX/2022. This is in no way a prompt posting of my payment, and is therefore not compliant with the Fair Credit Billing Act. The Bank is violating a second law, the Fair Credit Reporting Act, which states : " 623 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' The Bank, after my XX/XX/2022 phone call, after previous letters, and certainly after today 's complaint, has had more than reasonable cause to conclude that my payment was not 30-days late, as it reported. Rather, the most likely outcome was that my check, mailed promptly and in good faith on XX/XX/2022, arrived to its processing center well before the due date of XX/XX/2022. Therefore, as per the Fair Credit Reporting Act, the Company has a legal obligation to correct this record with the consumer reporting agencies.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I always paid TD Auto Finance by Telephone Pay every month, whatever the total dollar amount the voice machine said to pay. Since XXXX XXXX 5days late, my credit reports have shown late payments. XX/XX/XXXX - 4days late XX/XX/XXXX - 1 day late XX/XX/XXXX - 34 days late ... ... ... .16 mos+ late payments are on my credit reports XX/XX/XXXX - 52 days late None of the above is correct, I paid the amount TD Auto Finance phone pay told me to pay. I called and TD Auto Finance, verified by phone and I was correct by paying the dollar amount I was told at the time. TD Auto said I had to dispute with their company and the 3 credit bureaus to correct the negative reporting. I did report to TD Auto Finance and all 3 credit bureaus and nothing changed. This is not fair nor right, I paid every month by phone pay and if I was behind phone pay should of alerted me the correct amount every month to pay so I am not reported late to the 3 credit bureaus. Please make TD Auto Finance repair my credit ASAP to all 3 credit bureaus. I paid monthly and their phone pay shows this, so why am I being penalized for paying monthly by phone pay. My credit has suffered. Remove all negative monthly car payments with TD Auto Finance. Please repair immediately, I only have 2 car payment left. Thank you
Company Response:
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I went to a TD Bank branch in XXXX NH on XX/XX/2022 and deposited {$600.00} in cash into the ATM. The ATM gave me an error and only gave me credit for {$.00}, saying it was a forced deposit. It printed out a slip and told me to call a toll free number for assistance. I called the number and spoke with two people. The first person said I had to go to the branch ( which was closed ), and her supervisor refused to help me at all and hung up on me. I am now out {$590.00}.
Company Response:
State: NH
Zip: 03060
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Target called me XX/XX/22 to report a card opened in my name, on-line on XX/XX/22. They are investigating and suggested I report to the FTC, whose site directed me here ( CFPB ). I did not request the card.
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Purchased tickets from XXXX XXXX app on XX/XX/22 for the sum of XXXX. Concert day was originally XX/XX/22 but they canceled. I contacted XXXX XXXX for a refund they told me it was postponed instead. Months went past with no new date so I filled a dispute with my bank. The credited me XXXX initially and then said I was at fault. They closed the account in XXXX. XXXX XXXX contacted me on XX/XX/22 saying my refund went thru TD. NEVER CONTACTED ME or stated anything. I reached out to them on the same day since then Ive been on the phone with a TD associate 13 times with them. Ive been mislead into thinking a check was gon na be sent to my address on 2 different occasions to never receive any mail.
Company Response:
State: NY
Zip: 139XX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A