Date Received: 2022-11-05
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I applied for & was approved for financing through TD Bank for the purchase of furniture at XXXX XXXX XXXX on XX/XX/XXXX. My application was made using my current mailing address which was shown on the original credit application. My drivers license was submitted with the application ; and, the furniture was delivered to my address as shown on both the application and driver 's license. I did not receive any written communication or requests for payment from TD Bank at any time from the credit application date, delivery date or in the months immediately following. I did not realize I had not received any bill for payments due for this furniture. I had made other furniture purchases around the same time & was making payments each time I received those bills. In early XXXX, I received a call demanding payment to bring my account current. After a XXXX of follow up calls to TD Bank, I learned that a previous address was in the banks system & appeared to be where the bills were being sent. This previous address that bills were being sent is an address I had lived in since late XX/XX/XXXX. Eventually, I was able to have my account corrected with a TD Bank rep over the phone to reflect the address shown on the initial credit application & to which the furniture was delivered. And, on XX/XX/XXXX, I made a payment of {$430.00} by phone to bring my account current. During this call, I requested that the late fees charged to my account be reversed. I made this request because TD Bank was sending bills to the wrong address, & not due to any error or delinquency on my part. I called again to request the reversal of late fees on my account and was advised that my request was under review. I was told that I would receive a call with the decision from someone at TD Bank within a couple of days. I did not receive a call. On XX/XX/XXXX after making a payment, I requested a reversal of the late fees again & after a long period of time on hold, XXXX communicated that my request was denied. The reason given for this denial is that TD Bank sent bills to the address on the credit application. I was told again that my application showed my old address in XXXX. The attached credit application refutes that claim. This application was provided directly from XXXX XXXX XXXX upon request. The address on the credit application is my address & not the address TD Bank claims was captured at the time credit was applied for and granted. The credit application, my drivers license & the delivery address all reflect my address. The XXXX address that TD Bank claimed was on my credit application had not been my address in over XXXX XXXX & would not have been entered on my credit application. I am requesting the reversal of all late fees applied to my account before the XX/XX/XXXX payment of {$430.00} applied on XX/XX/XXXX ( I believe that amount is {$120.00} ). I did not receive any bills in the mail prior to the phone call in XXXX, but within XXXX of the call demanding payment I responded by bringing my account current with TD Bank. Unfortunately, it seems TD Bank applied an old address to my account & was sending bills to that address, and not the address on my credit application. On XX/XX/XXXX, TD Bank sent me a letter notifying me that my request was denied because 'We received your inquiry and concluded that a billing error did not occur '.
Company Response:
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is bits and piece from all the years we have owned our home. My wife and I have been trying to find out why we owed escrow and refused to pay it until they could tell me what it is for. We received one notification from their lawyer after I requested that they help us get in touch with someone. Instead we got a notification that we never received from the TD Bank and still had no answers. I tried calling again and still one person said we owe nothing and another said we owe it but can't tell me why. I spoke to a manager who still could not tell me what they paid and when they paid it and the amount. I told the manager if they could not give me an answer I was not going to pay it. They did this immediately after giving us a modification. You would think they would look into this an call back. Instead we got the harassing phone calls about us owing money and we need to pay it. I would tell them when they called that I wasn't going to pay until we know what it was for. They have yet again put us behind because we are not going to pay for something that we don't know what it is for and as of XXXX they have started to refuse the agreed amount in the modification, because we did continue to pay that amount. Now we are being offered a recast but they included my taxes and insurance which we did not request nor want. They have destroyed my credit even more yet again when all I was doing was trying to get back on track. And just recently they sent me XXXX different individuals information and someone mine. We are overall not happy with TD Bank and just want to get away from them as soon as we possibly can, which is all we have been trying to do since we bought our home in XXXXXXXX. We requested XXXX and death insurance on the mortgage and when we noticed we said something within a few weeks of signing we went and saw the loan officer and she said you never said that and there is nothing that we can do about it. And guess what 6 months later I became XXXX and that is when all the more problems started with TD Bank because I was the sole provider for my family. I have tried seeking a lawyer but have not had any luck, so we have been stuck in this repeated circle with TD Bank. I would like someone to schedule a time and day with us to come to our house and discuss everything with us so we can not keep having these issues and we can build our credit and get away from this nightmare of a bank. There are many more issues within this bank because none of this is a first time for us alone. Like I said there is more but I don't have the time to write about all of it. Especially how some of their employees treat costumers.
Company Response:
State: ME
Zip: 044XX
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My credit was initially run on XX/XX/2022. I am in the process of buying a home and my mortgage lender alerted me to an XXXX report finding by " TD Bank USA/Target '', which I do not have any affiliation with. I then spoke with TD Bank Card services at that time and they said they did not have any account affiliated with my name or social security number. On XX/XX/2022, I got an alert from XXXXXXXX XXXX that my credit score had changed and there was credit activity outside of my usual. I was able to see that a credit card was opened under " TD XXXX '' and there was over {$9600.00} charged to the card. On XX/XX/2022, I spoke with XXXX XXXX XXXX and had my credit score frozen and increased security on my account. Also on XX/XX/2022, I reached out to TD Card Services directly and they were unable to locate the account using my name, social security number.
Company Response:
State: NY
Zip: 11421
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: td have caused so many issue with their lies and their fraudulent ways I been going through a dispute the XXXX since XXXX some wallet was stolen then someone withdrew money from my account and uploaded fake checks from mobile deposits to my account and they ruled the mobile deposits as fraud and denied the other claim, from XXXX to XXXX i have been disputing the fact that someone overdrafted my account the same day that those mobile deposits were place on the account, finally in XXXX the claim received a temporary credit, after my disputes had been denied about 5-10 times they finally owned up to it being fraud for {$400.00} taking care of the fraud that was on my account because they had already removed the mobile deposit that was on my account, after i called in several times to have them refund the money that had returned back to my account which had taken XXXX to a XXXX ... from chargebacks and returns i then received a provisonal credit for the XXXX fraud that was on my account then once they realized they had to pay me back more than the XXXX they credited my account they then denied the credit and now they have my account XXXX saying i owe them, for fraud that was on my account they have added a extra {$400.00} just because they can without providign me any info as to why, when i call the customer service dept they directme to the branch yet i cant go into my local branch becasue they have me on trespassing because they discriminted against me and they have frauduently added a amount to my account because they didnt want to pay back the amount they owed me adn they did pay me half the amount yet then charge me what they owed me
Company Response:
State: SC
Zip: 29611
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have had an account with XXXX furniture TD bank for roughly 5 years. In that time Ive paid off and paid down purchases consistently. Last month, there was a discrepancy for XXXX payment. For some reason the regular payment took longer than normal to go through and ultimately did not. Since Id switched personal banks I looked into it and got payment resubmitted the next day. I also called XXXX to explain what happened. I was told Id be charged a {$25.00} fee which given my stellar history would be waved. I was not told my credit limit would be lowered by {$4000.00} to the amount I owed. I was also charged over {$100.00} of additional fees which took my over that limit. Again, no warning. I did receive a letter from the company saying please be advised if XXXX consecutive payments are returned, your account may be subject to charge-off. Thats it. I learned from the Fair Credit act If a card issuer decreases your credit limit, the card issuer can not charge you over-the-limit fees or a penalty rate for exceeding your new, lower credit limit, until 45 days after it has given you notice of the decreased credit limit. A card issuer can not charge you over-the-limit fees if it didnt give you notice of the decreased credit limit and if you havent opted into the payment of over-the-limit transactions. What happened to me is a violation. I need XXXX and TD bank to be held accountable.
Company Response:
State: CT
Zip: 06611
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Account was in forbearance. Made bulk payment when payments resumed to bring account current. Timely monthly payments made for amount due, although escrow change led to deficit on one months payment leading to late charge. And 'incomplete payments ' ( b/c of the late charges that should have been reversed ) keep being placed in unassigned bucket and subsequently put toward principal, wiping out the monthly payment made in full. Called, and was escalated for correction, since I have monthly payments on autopay, and not direct withdrawal from their bank. I have contacted them on 3 separate occasions, one manager listened to previous calls and agreed that charges were inappropriate and 'escalated ' to correct department which would in turn contact me no more than 30d later. Problem persists. Menacing letters monthly and no solutions provided when calling customer service. Managers don't follow up and everyone states there is no contact they can provide to give you the opportunity to follow up. I would greatly appreciate someones help with this and would welcome speaking with anyone at the bank who has the authority to correct this issue directly. Thank you.
Company Response:
State: FL
Zip: 33014
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: On XXXX of XXXX I received a call from a man stating that he was from XXXX XXXX XXXX, and that I had a balance owed of {$2100.00} due to TD Bank, I told him that I never had an account with TD Bank I had no Idea who they were, he said that they were Target. I have never had a store account with them and I am sure it can be verified through records of accounts, email address and home address. I told him that a few months before I was getting calls from an agency with the same information on me but for XXXX XXXX and they had no account for me. I told him that a long time a go I have ID theft and this could possibly tie. Especially since the persons address was close to mine and I had XXXX adults and XXXX XXXX renting from me at the time. I needed to see details pertaining to the account. He said that he would send me documents and fraud paperwork. I told him that I was in Az at the time ( Dad XXXX XXXX I gave him 2 addresses to send the documents too as well as sent an email on XX/XX/XXXX that I would take them via email. I never received the documents and did not return home to find any documents here. I did not have all the information down since I was on the road ; so I checked my credit and I did not find any accounts, and assumed it was fraud like the XXXX XXXX and other accounts. XX/XX/XXXX I logged into my personal checking account and they had garnished me for over {$700.00} and then my bank charged me a fee of {$100.00}. I was flabbergasted since I knew I did not have any Judgments ; I called my bank they gave me the details and I called and spoke with XXXX, he advised me that he does see my notes of Dispute and that it should have been resolved back then, he advised me that the account would be put under review and he would send me documents in a few weeks. I told him that was my housing money and that it was going to really put me in a bad situation. He said that they would release since this was a disputed account. I asked how they obtained the garnishment and he advised me that I had a default t judgment that was served to me by XXXX XXXX XXXX XXXX number disconnected. on XX/XX/XXXX and ten said XX/XX/XXXX ; either way I was not in the state at that time, It was a holiday weekend and I was in Arizona with my Family. I advised him that and he said that he would not know about the servicing. I expressed my concern to XXXX about my account and how I was self employed and that was all the money I had for food, rent and gas. He said that they will release it and that my account would not be garnished again. I kept my account open as i have too ; I live in the mountains and no banks to pull cash are near me, I went to get groceries after driving an hour to the store to find my account was garnished again. But because i only had {$290.00} in there they did not get much but my bank again took another {$100.00} fee. I called again spoke with someone else and they said that they would have someone call me and I have not heard from them again. 1- I do not have an account never had account with TD bank or Target I don't even live any where near a target maybe XXXX miles? 2-I do not know who TD Bank is and if they have a Legal Right to Collect this Debt. I need to see the Contract/Bill of Sale along with my Signatures that created this debt. 3-No letter was ever received about this debt giving me my right to dispute with in the time frame the FDCPA allows. 4-I was never PROPERLY SERVED therefore I never received my right to Respond. 5-When someone called me in XXXX of XXXX they were aware that the account was already a Judgment and failed to inform me of important information, that has now compromised my living, eating and ability to get to work. 6-I requested documents on the judgment, service and was never provided the documents. 7-They Misled, lied and continued to try and garnish me after they were aware of the dispute and the improper service. 8-I never received any notice to cure, or intent to garnish. If I had known about any of this I would have responded with my dispute. 9-The address they claim to have on file until they skipped the account was an address I have never lived at, a email address I have never had and a bank account I have never used, nor had. I called the court and they advised me the Sherriff of XXXX XXXX served me at XXXX however they could not provide me any documents without paying for them and since my account was just garnished I could not afford to pay for them. There is no signature on acceptance of service!
Company Response:
State: CO
Zip: 804XX
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is my second complaint. TD Bank sent a letter after my initial complaint saying they would correct the error. That has not happened. In fact their team says the current information on my credit report is accurate. Below is my initial complaint. In XX/XX/XXXX I purchased a treadmill through XXXX. However after 3 failed delivery attempts I decided to cancel the order in XX/XX/XXXX. I never received the treadmill/had it in my possession. Nordictrack failed to notify TD BANK that this occurred, as a result I have a balance due and have been reported to the credit bureau. This is affecting my credit score negatively, hindering me from purchasing a car that I so desperately need at the moment ( I recently totaled my car with my newborn ). I filed a dispute the first week of XX/XX/XXXX with all 3 credit bureaus. TD Bank recently submitted their conclusion after their investigation, they are still reporting that I have a balance due. TD Bank failed to notify me of this balance, nor have they corresponded with me during this dispute. They claim they've emailed me, yet each time I call they said I opted out of email, or maybe its an I.T problem. Ive been in contact with Nordictrack. They claim they have processed a credit back to TD Bank since XX/XX/XXXX and TD Bank should have it. TD Bank says they don't see anything from XXXX. I have spoken to both companies everyday for the last few weeks and it seems they are not communicating in order to rectify the problem. TD Bank also falsely claimed that I reported this as fraud. I immediately emailed their fraud dept, resolutions team and have gotten no reply.
Company Response:
State: NY
Zip: 11510
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My rent check on my TD Bank checking account was fraudulently washed and personally cashed. The rent check is from XX/XX/2022. I filled out all the necessary paperwork with my bank and was supposed to get the funds put back in my account between 60-90 days. It has now been over 4 months. The amount was for {$1100.00} TD Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX Thank you
Company Response:
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My name is XXXX XXXX. I have a checking and saving account with TD Bank. My checking account number is XXXX. On XX/XX/2022 ; I requested a dispute for the following transaction : XXXX XXXX Collector for the amount of {$320.00}. I was told the dispute might take 5 to 7 business days to refund the funds back to my account. I called TD Bank on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and to find out the status of the dispute. I was told the dispute is not process as of yet. On XX/XX/2022 ; I received a letter from TD Bank in the mail. The letter stated the amount of $ XXXXwas provisionally credited to my checking account XXXX XXXX. However, the funds were not credited back to my checking account. My checking has a negative balance in the amount of {$340.00}.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A