Date Received: 2022-09-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I received notification from XXXX on XX/XX/22 that my Target Red Card issued by TD Bank had lowered my credit limit. I immediately called Target since there has been no negative changes on my account nor on any other accounts with any other lenders. With the run around and their representatives giving me false information I threatened to close my account unless they could tell me and honest answer. They representative became condescending, stating that my contract says they can lower my credit line, etc, but the information didnt make sense. He proceeded to say if my account is closed its permanent and I could never have an account again, I said good but stated that I need to understand what happened, he then in the middle of me trying to obtain factual information said I closed your account and there is nothing more he could do, I tried asking follow up questions, asked for an escalation and he said basically no and hung up on me. I called back and spoke to 2 additional representatives who all said they were supervisors on floor that no one else was available that there is no escalations department I could speak to, one finally said she filed a complaint but that no one would call me back, because they cant make calls out. XXXX stated that he cant see notes or documentation on my account. He stated my account is closed permanently, I told him I didnt want my account closed I just wanted answers and wanted to know how they can conduct business this way.
Company Response:
State: CA
Zip: 92882
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2022, I found a TDBANKUSA/TARGET fraudulent credit card with a balance of {$7700.00} on my credit karma. I placed an online dispute as I am a victim of identity fraud and never applied/ opened for one. According to my XXXX, this credit card was opened on XX/XX/2022. I was never sent the letter with the physical card, so was not aware of this fraudulent activity until the credit card was used/ shown updated with the {$7700.00} balance on XX/XX/2022. On XX/XX/2022, I called Target Fraud Department in the morning to report this credit card as fraudulent. Their representative XXXX informed me they reviewed my dispute claim and denied it. According to XXXX, the company reviewed my claim and I should've received a letter regarding this update as the company sent out a letter on the XXXX of XXXX. I told her I never received one in the mail and she reassured me the letter should be arriving soon. I asked for clarification - asking if the denied dispute claim meant I was liable for this fraudulent account. XXXX replied " yes, you are liable. '' I further inquired what steps were taken to come to this conclusion for them to deny the claim. And restated that I wasn't the one who opened the account. She said I will know more about that when I receive the letter. She suggested I could submit an appeal and gave me the address. Later on that day on the XXXX, I went to my local police office to file an Identity Theft police report along with an FTC report in regards to this issue.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: XX/XX/22 my checking and savings account was drained by td bank and they couldnt even tell me why when I called!
Company Response:
State: NJ
Zip: 07106
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: i made a payment for XXXX of XXXX they only credit XXXX then they reported me to the credit report agencies late i never been late in my life to any of my cards in 40 years now they cheated me out of XXXX and they reported me late to the credit report
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I have been banking with TD Bank since XXXX. Since XX/XX/XXXX, the bank has taken a {$25.00} " maintenance fee '' from my checking account monthly for failure to maintain a high minimum balance of {$25000.00} ( in comparison, the bank provides on average XXXX cents of interest per month in my savings account ). These exploitative and predatory fees have reduced the amount of money in my account by 20 percent over time ( more than {$500.00} has been taken ). I was not monitoring this account closely because it is a " rainy day '' fund. I do not have an ATM card associated with this account. I was devastated to learn about these fees and can not understand how it is equitable that the bank be allowed to take my money from me. I have attempted to resolve this situation by speaking to customer service and a local branch manager to no avail.
Company Response:
State: FL
Zip: 33141
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To whom it may concern, This is a Chronology of the incident : Im writing in hopes you can help resolve an issue I have had with XXXX and " XXXX XXXX '' ( TD Bank ) and a fridge I refused to accept delivery of. XX/XX/XXXX Ordered a fridge online at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 Door French Door Refrigerator XXXX XXXX Delivery date : XX/XX/XXXX On th same day, I cancelled the above order as it wasnt clear what payment method the site had opted us into. Called to confirm we could apply for the XXXX XXXX 0 % option. Filled out the XXXX XXXX application Same day Re-ordered the same fridge after going step by step through the purchase funnel, taking screenshots of each page for records. XXXX XXXX Delivery date promised : XX/XX/XXXX To use their 0 % interest XXXX XXXX XXXX XXXX plan We are still unclear as to how, when, and where we will be making payments to XXXX XXXX, and call to ask XXXX they tell me that I will not be charged until I physically take delivery of the fridge, after which I will have about a month to make my first payment ( so that would be around XX/XX/XXXX by my calculations ) At some point ( don't have an exact date, but happens between the date we made the purchase online and the expected delivery date ) we get ( what turns out to be a bill for our first finance payment from TD bank ), but we ignore it because of what XXXX told us above. XX/XX/XXXX I call XXXX XXXX, the company responsible for physical delivery to my home address, XXXX, to confirm delivery the next day, and their system confirms it. XX/XX/XXXX in the morning, I get a text from XXXX saying that I need to reschedule my delivery date Later that morning they text to tell me my delivery date is now XX/XX/XXXX We decide to cancel the order and get a fridge elsewhere. We contact XXXX to ask how to facilitate the cancellation, and they tell us that we have to wait for them to deliver it, and then we refuse delivery. Thats the way their system works is the explanation I am given every time I ask about this awkward process. ( In the interim, we buy and have delivered, a different fridge from XXXX XXXX ) XX/XX/XXXX XXXX arrives at my house the morning of XXXX, and as I was instructed, I tell them I refuse to accept delivery. I contact XXXX to confirm that I dont have anything else to do except wait for the cancellation. ( XXXX is responsible for returning the fridge ). When they receive the fridge, XXXX can start issuing all the necessary paperwork to cancel the order. I go through the XXXX related documents and see that the TD Bank XXXX payment is due XX/XX/XXXX, so I call them to tell them what the situation is, the TD Bank rep recommends we make the first payment, we can dispute that later for a refund. So we make that payment then enter a dispute with them about all of the charges ( for a fridge we dont have ) they also say that they start billing when I make the purchase, not when I take possession of the fridge, which is counter to what XXXX told me. XX/XX/XXXX I get an escalation number from XXXX, I tell them TD Bank ( XXXX XXXX ) has already charged us for a fridge we dont have, and that now I am losing money because of their errors, and they issue escalation # XXXX to get this looked into, they tell me to call back in 72 hours XX/XX/XXXX I call to check status, they check to make sure that XPO is scheduled to return the fridge. Tell me to wait 3-5 business days. XX/XX/XXXX I call XXXX back, they are still looking into it, tell me to wait until XXXX XX/XX/XXXX I call XXXX back, they say I should get a text back from them within 72 hours ( I did not ) A new escalation # XXXX XXXX is issued Tell me to wait another 72 hours Some time in early XXXX, XXXX Early XX/XX/XXXX we get a letter ( dated XX/XX/XXXX ) from TD Bank saying they resolved my dispute- XXXX sent them confirmation that I *did* receive delivery of my fridge, ( there is no date, no signature, no proof I did anything of the sort in the screen shot they provide as proof. ( THERE IS NO PROOF, BECAUSE I DIDN'T GET THE FRIDGE ) and that they will start demanding I make payments ( again, on a fridge I did not receive ) I am now forced to continue to make payments on a fridge I do not possess if I dont want this ruining my credit rating. XXXX I call TD Bank and essentially told them everything that happened above, but at this time said another appeal would be useless if XXXX keeps sending them the patently wrong information. XXXX not only has to tell TD Bank that they should refund all of my money, including any and all fees I might have been assessed during this time. They should also tell TD Bank that I did not make a false claim of non delivery, and that they need to retract any such statement they may have made to the credit bureaus in this matter. I am sure I am not the only person who got the runaround like this from XXXX, someone should audit their systems. I personally believe they were not being malicious, their systems and processes are just so bad and incompetent that one side of the business does not know what the other side is doing. XX/XX/XXXX I checked my XXXX account today, and it notes that they " did not receive their fridge back '' ( see above, this is not my problem, I never accepted delivery of this fridge ) This complaint is about XXXX XXXX ( TD Bank ) as it is under the purview of the CFPB, but it really is about XXXX in general, TD Bank is just a third party in my mind, and they are getting INCORRECT information that is hurting my wallet and if I let it, my credit scores too. I am hoping that the CFPB can do something about this matter, but if there is another agency/department that I can make a complaint to, I would appreciate that information. Please note that I will be attaching screenshots and documents to this complaint. Many of them say " I received the fridge '' or " we didn't get the fridge back '' but those are XXXX 's problems, NOT MINE -- I refused to take delivery of the fridge, per THEIR INSTRUCTIONS TO ME, and I ALLOWED THEIR expediting company to return the fridge back to their Warehouse PER THEIR INSTRUCTIONS, as I NEVER TOOK DELIVERY OF THE FRIDGE, so could not have been responsible for returning it on my own dime. I have gone above and beyond all reasonable means to accommodate them, because obviously their internal systems and processes are awful, but now we are financially being penalized for their incompetence, and I need this resolved to my satisfaction. I am also enclosing a receipt and pictures of the new XXXX XXXX we bought and installed between the time we ordered the XXXX XXXX and when the XXXX fridge was supposed to finally be delivered.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: There is a negotiation and fees listed 3 times for 2 months, different XXXX charges they couldn't find while searching for numbers etc. I emailed the company for negotiation to get my money back and to ask them to stop charging my account I did not give them permission I contacted TD bank. They gave me one credit if XXXX. My dispute was for XXXX in total with charges they denied my claim. I submitted another one still nothing after 10 days. I'm angry. I shouldn't have to ask more than once for my back to fix a problem.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: somebody got a hold of my personal sensitive information such as social security, phone number, account number etc. They went as far as going to a TD bank branch in new york when i live in new jersey and were able to verify all details on my account and withdraw money from my checking account because she had a new jersey state id with my info but her picture.
Company Response:
State: NJ
Zip: 08332
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: This bank is horribke not replicable they refuse to reimburse me fraud that occurred in my business and personal checking account my account is overdrawn by this this is not fair they refuse to call me the XXXX office is horribke to me
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I had accounts between XXXX with TD bank and all my accounts close and all the accounts had fees access to the account not only the fees but TD share my information without my consent and the fees that were charge on my account were fees were a merchant submitted payment to my account for the same amount multiple times. The Gramm-Leach-Bliley Act requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use. Pursuant to Fair Credit Act section 15 U.S.C 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to Privacy section 611. Procedure in case of Disputed accuracy [ 15 U.S.C. 1681 ] Section 5, 15 U.S.C 1681b-Permissible Purposes of Consumer reports. There was no order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with the proceedings before a Federal Grand Jury or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. In accordance with the written instructions of the consumer to whom it relates.
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A