Date Received: 2022-09-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: TD Bank puts a six day hold on every single check we deposit. They even put a six day hold on a CASHIER 'S CHECK from a major bank. Would you please talk to them. It's a really bad customer policy.
Company Response:
State: MD
Zip: 20815
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: First, I have an overdraft protection checking account. An overdraft was triggered in late XXXX ( XX/XX/22 ). TD Bank sent me a payoff statement for the overdraft which I paid in full ( {$340.00} ) on XX/XX/22. They latter sent me a statement on XX/XX/22 saying that they have a new payoff figure for the same overdraft of {$1.00}. in interest. I spoke to numerous representatives at TD Bank and they refused to cancel this charge. TD Bank is hiding the real payoff figures in these overdraft situations so they later can charge additional interest causing the consumer millions of dollars nation wide. No where on their statements does it say that this figure is not a true payoff figure. It is clearly obscured and borderline fraud.
Company Response:
State: PA
Zip: 19027
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am a XXXX combat vet who lives in XXXX XXXX and do come to Texas every 3-4 months to see XXXX XXXX XXXX I do have US creditors, but I can assure you that I did NOT apply for a credit card over this past weekend or in the last 3 months. On Sunday XX/XX/2022 " XXXX XXXX XXXX XXXX '' did a " hard inquiry '' on my credit report, which I have already disputed with the Credit Bureau. I am concerned that there was an identity theft attempt.
Company Response:
State: TX
Zip: 78840
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: Our XXXX used XXXX was purchased that year in XXXX XXXX, MO ( suburb of XXXX ) and titled under both my husbands and my names. The car was paid off at the time of my husbands death on XX/XX/XXXX. If he had ever received a lien release, Ive never seen it, and Ive kept this cars folder with the bill of sale, Missouri title, and acknowledgement of our loan with TD Auto Finance, at that time headquartered in XXXX, CA. I have never been billed by TD Auto and renewed my XXXX license plates later in XXXX before I moved out-of-state. This last XXXX, XXXX, Ohio, where I live now, told me I could not get plates here until I had the car title changed from both our names to just mine. I just had to produce the lien release on the car. When I told them I couldnt find one, they directed me to call TD Auto. When I called their customer service number, I was told to FAX them a copy of Bills death certificate, written proof of my ownership of the car, and a cover letter giving them the PIN number of the vehicle and my request for a lien release. I did all that and heard nothing for just under one month. I finally called back, was told their legal department denied the request because my lawyers letter was not signed nor notarized. I called him, he resent the letter, now signed and notarized, the next day. Once again, no one called me, so I called back and they told me they never received the second letter. We all double-checked the FAX number ( including my lawyer ) and tried again. Two weeks passed before I called back. That was now XX/XX/XXXX, and I spent FOUR HOURS on the phone working on this issue. I called, in order : 1. My title office here in XXXX XXXX, Ohio, to see if they had received my lien release. -No, they had not. 2. XXXX Auto Finance customer service to see if they had my lawyers letter yet and if their legal team had approved it. -No, they hadnt received it yet. 3. My main bank, XXXX Bank in XXXX and XXXX MO, to ask if they would check the last 4 years of my checking account to see if I had paid TD Auto off that summer after my husband died. -No, no bills or payments had passed through the account in that time, indicating the car had been paid in total before Bills death. 4. The State of Ohio in XXXX to make and appeal, or learn a new direction to take for my impasse. -Well, the finance company still holds the power until they give you that lien release. Why dont you call Missouri XXXX where the car was titled? 5. The State of Missouri, where I was told the same thing. Now, Ohio informed me late last week that Michigan now had authority over this company, so I called them yesterday. They told me TD Auto Finance pulled their license from Michigan in XXXX. She didnt know if theyd been bought out, but said the parent company was TD Bank NA , a national company. She told me to file this complaint with you. The VIN number of my car is : XXXX XXXX XXXX. XXXX
Company Response:
State: OH
Zip: 44133
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I had contacted XXXX many time by calling and written them about the five accounts on my credit report that is not mine. 1 : TD BANK USA/ TARGET CREDIT 2 : XXXX XXXX XXXX XXXX 3 : XXXX 4 : XXXX XXXX 5 : XXXX XXXX, XXXX I had given them documents that the company, ( XXXX XXXX asked for and still to no end nothing was removed.
Company Response:
State: NC
Zip: 281XX
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have a business checking account with TD Bank XXXX XXXX XXXX XXXX which was FDIC Insured however due to my father passing I was out of country for 4 months upon my return I tried to log into my online account and was blocked I called and tried to do some transactions only to be told my account was closed. Yes closed on the public side but fully operational on the private side so it's quite unfair for my credits to only benefit TD Bank when I am the Entitlement Holder who is owed all Debts and Interest.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX BANK # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXXXXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Company Response:
State: MI
Zip: 48375
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The following accounts are all fraud and need to be deleted from my credit file immediately.
Company Response:
State: MI
Zip: 48375
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My complaint It's about Target red card overcharges I have attachments for proof I put them in order to the best I could The 1st 8 Attachments are screenshots from my target record of purchase history From XX/XX/XXXX to XXXX of XXXX All my purchases add up to {$660.00} The last attachment is a statement that I got from my bank ( XXXX XXXX ) added up all my payments to target from XX/XX/XXXX until now which adds up to {$740.00} is how much I've paid plus {$30.00} payment made later that day XX/XX/XXXX which adds up too {$770.00} paid.. I spoke with customer services today ( XX/XX/XXXX ) and I explained to him about the charges so I asked him to give me the round amount of all the interest fees counted up from XXXX to now XXXX, he stated that it was a {$120.00} So I went over the figures with him several times and I added the {$120.00} to the ( All of my purchases total/ $ XXXX XXXX - XXXX ( subtracted ) is my whole payments amount to them totals {$15.00} they claim that my balance owed is {$280.00} so after the customer server kept trying to say its the Interest fees I asked to speak with his manager When he got the phone I explained to him the same thing the amount that I paid From XXXX until now I even broke it down to him that I wasn't purchasing anything every month there were 2 to 3 months in between my purchases but my payments were still made and I also deducted the interest fee so he even agreed that it came out that {$15.00} is the balance..But then he tells me that he can't hear me on the phone he kept saying hello hello but I could hear him, then he stated that " all he can do is credit me {$7.00} that's it I still have to pay the whole amount of the {$280.00} and hang up the phone.. Today was my 3rd attempt to settle this matter with Targets customer service reps and managers.. So that's why I'm putting in this complaint here today...
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I had accounts between XXXX with TD bank and all my accounts close and all of the accounts had fees access to the account
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A