Date Received: 2022-09-08
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: A transaction was done on XX/XX/22 with {$610.00} to XXXX XXXX. I later discovered that he was a fraudulent person. He was supposed to make some repairs on my house and never showed up to complete the work. I gave him until XXXX, and he has not contacted me or shown up. I submitted a dispute on XX/XX/22 with TD bank 's credit card service, and they stated it could take up to 90 days. On XX/XX/22, they sent a letter requesting information which I submitted on XX/XX/XXXX via fax. I received another notice in XXXX stating they were closing the dispute for lack of knowledge. I have been calling, and I am told someone will contact you. We are in XXXX, and the 90 days are officially over next week, and no response.
Company Response:
State: NJ
Zip: 07112
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
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: In XXXX XXXX and XXXX XXXX it was reported that I missed a {$5.00} payment on my target credit card. The fee 's then amounted to about {$200.00} without any of my knowledge. Automatically, my credit score dropped from 760 to the 680 's because delinquent status. I contacted target and their vice president, but they weren't able to do anything. I'm in XXXX school and my credit score is low. I was wondering if these marks can be removed. I missed 3 low payments and I want to buy a home soon, but I'm afraid my credit score won't do me any justice. I have made all other payments, but this one mistake caused me to have a low credit score. Any help would be appreciated.
Company Response:
State: CT
Zip: 06905
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Target reported a fraudulent address and phone number to XXXX Credit Bureau. They told me to also file with you so there is a record of the issue/complaint. Target has frozen the account until proper documentation is received. I have elected to let them close the account for these security issues.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I contacted TD Bank 3 times today due to bank error fees I have received on my checking and savings. I was able to resolve the first issue with the first supervisor at approximately XXXX on XX/XX/XXXX. I also recorded our conversation in which XXXX reassured me that I would not receive an NSF fee because I was in - {$9.00} short after the check payment of {$270.00} came out of my account. However, the {$270.00} was processed and posted on XX/XX/XXXX at XXXX yestersday morning. But TD Bank reservsed this ACH payment that was already processed just to pay a gas station charge of {$55.00} that came in for processing at XXXX on XX/XX/XXXX. I have a problem with how they are processing these payments and not showing an ledger on my transaction history and on the app which is supposed to show these transactions in real time. When I logged in this morning my balance changed from approx. {$580.00} to {$890.00} within 5 to 10 minutes after the supervisor XXXX reversed my NSF fee of {$35.00}. This means that TD Bank refused to pay a ACH debit that was already processed and posted yestersday at XXXX on XX/XX/XXXX. Due to a bank error that was caused by them because there is more than enough funds to cover this payment. And if there wasn't enough funds to cover one of my transactions that does not give TD Bank the right to reverse a payment the was already processed and posted to pay a pending that came in afterwards. This is an accounting nightmare which makes it hard to balance my account and avoid any unnecessary bank fees. There were other pending charges that was paid first when they was charge after the ACH debit was processed. Therefore, this payment should have be paid and not reverse after the payment on XX/XX/XXXX and it's still showing posted today on XX/XX/XXXX. When I called a third time today about this issue 10 minutes after I just got of the phone with the supervisor XXXX. I was transferred to another supvisor that tried to convince me that their accounting is correct. The excuse she gave me, is because I opted out of their overdraft program. Which does not have anything to do with how and when payments are being processed. I have proof based on my ledger that TD bank had no reason to reversed a payment that was already processed and is showing posted. Due to TD Bank error not to push this ACH debit through today. I will most likely receive a return check NSF fee from my property management office, and a {$35.00} NSF fee from TD Bank. I am requesting a record be provided to CFPB to show when each of my transactions was processed and posted as of XX/XX/XXXX until XXXXXXXX XXXX XX/XX/XXXX. These are the same shady tactics that caused them to be in violation in XXXX. This bank needs to be thoroughly investigated, and their accounting records audit. Thank you
Company Response:
State: MD
Zip: 20874
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Attempted and filed claims with the bank and local branch, with little to no help to get my money/funds back. I had used my TD account to fund these purchases, which were all considered pre-orders for physical goods. TD debit card, visa card. The expected delivery date would vary depending on when I purchased but stated 4-5 months after public release. Please refer to visa card rules : XXXX XXXX XXXX Says the bank investigated the dispute claim but now has wrongfully decided to reverse any funds given back to me. Case : XXXX Includes multiple transactions relating to my personal TD Bank checking account : As posted on my statements ( all relating to the same merchant - XXXX XXXX ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ( {$3900.00} ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ( {$640.00} ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ( {$660.00} ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ( {$190.00} ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ( {$660.00} ) Please reach out to the necessary personnel at the TD Bank HQ and/or me if any other information is needed. I would like to get this resolved and receive my funds back.
Company Response:
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I sent a cease and desist notice by certified mail to TD auto that was received on XX/XX/XXXX. I made a complaint about the company after receiving numerous calls, text and bills from the company dated after that date. The first complaint for this company was closed ( complaint code XXXX. ) The response back from the company they apologized for contacting me after cease and desist notice explaining they needed time to forward the cease and desist to the right people. The last XXXX days ( XXXX XXXX ) I received XXXX more notices by the company I need this company to stop XXXX me.
Company Response:
State: GA
Zip: 31909
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I opened an account with XXXX in XXXX of last year when I purchased multiple electronic devices including a new mobile phone and smartwatch. When I signed up for my account, I was advised that financing would be offered via XXXX. However, I always received an error when I tried browsing to that site. I was never provided clear instructions on how to make my payments, nor was I given fair notice that I was being delinquent and at risk of being reported. It was not until after a missed payment report to the credit bureaus was filed that I was finally contacted and advised to make payments via XXXX. I have called and emailed both XXXX and the TDBank-sponsored financiers regarding this issue and requested that they retract the delinquent report, but keep getting nowhere. My last call today basically told me they can not /will not help. My credit history had an impeccable record until this single, unfortunate incident, which has caused my average score to drop almost XXXX points.
Company Response:
State: TN
Zip: 37209
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Hello. I am seeking to close my TD Bank VISA credit card and unable to do so. The card is in good order, with a XXXX balance. To close the account, I am required to contact a phone representative at TD Bank Card Services and make the request. I've been trying to reach a rep twice a day, everyday for over a week, and unfortunately, no go. I'm always put on hold for about an hour each time before I give up and disconnect. I reached a service rep at a local TD Bank branch, and she confirmed that branches have no authority to close TD credit cards. If I were to come to the branch, she could call Card Services on my behalf ( and only with my physical presence at her location ), but she has neither special access nor higher priority, even as a TD Bank employee. She discouraged me from coming to her branch. Also, another problem has emerged... I am unable to access my online account at tdcardservices.com. When logging on, the website requires me to enter a passcode usually sent by email or text. Unfortunately, the passcode never arrives, and I remain in login purgatory, unable to complete the login process. ( I've tried multiple times already. ) In summary, I'm unable to reach any TD credit card rep, and I'm essentially locked out my account. I'm nervous about being cut off from any access or assistance. I just want to close this card, so that I never to have to deal with TD Bank ever again. Thank you.
Company Response:
State: SC
Zip: 29621
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: The information reported by TD AUTO FINANCE XXXX XXXX XXXX XXXX XXXX XXXX Is not accurate I have never had an account with them. They reported to XXXX a delinquent account on my credit and verified it as accurate when I disputed it through XXXX no documentation was provided to me as proof and I can not reach anyone when I try calling them Phone # ( XXXX ) I need help getting this misinformation off of my credit report
Company Response:
State: GA
Zip: 30040
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XX/XX/2022 I made two payments to pay for a camera ticket using my debit card from TD bank to pay for the following ticket : XXXX for {$290.00}. The first payment for {$290.00} ; I believe was not processed therefore I submitted another payment in the amount of {$290.00}. Both payments were withdrawn from checking account. I called TD bank in regarding this issue ; I was told to call the XXXX XXXX XXXX to have second payment dispute or I have to await until the payments was process because they were pending. I called XXXX XXXX XXXX office ; I was told only one payment was withdrawn from my checking account. I explained to them two payments were withdrawn from my checking account. I called TD bank and inform one of the accountant, XXXX XXXX XXXX XXXX will not refund me the second payment of {$290.00}. I was told by the accountant the transaction is still pending, I have to await until XX/XX/2022 for the transaction to process then I can dispute. On XX/XX/2022, the transaction was removed from my checking account however the funds of {$290.00} was not dispute or refunded to my account. The funds of {$290.00} vanished. The XXXX XXXX XXXX Clerk or TD bank would not refund me the funds.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A