Date Received: 2022-08-19
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Today XX/XX/22 I got an email from TD bank saying my new account should be ready for online and app use in 24 hours. I called td bank and the rep helped me and reported it. She gave my websites and telephone numbers to report it as identity fraud
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I logged into my account today and Td Bank check out {$480.00} something about some old accounts that were charged off do you shouldnt be able to go in and take money out now I cant get cash or money or pay my electric bill no one is willing to help me I have {$35.00} left in my name now my current account that I have with them from which two years has been in good standing I stopped by branch office no one wanted to help me there just give me a number to call I called the number and no ones been able to do anything no one wont help me and no one will let me get my money back
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: We bought our car after the lease from XXXX, XXXX financed it through TD bank, on XX/XX/XXXX. We made the first few payments but when we reviewed the contract XXXX overcharged us by XXXX and we filed a complaint with the NY attorney general who found we were correct so they had to give it back to us. XXXX made a payment to our loan in the amount stated in XXXX. When I logged into the TD website to make my XXXX payment it showed the XXXX payment was made and it said no payment due until XX/XX/XXXX and the payment going forwrd would be XXXX mount from XXXX we were paying. I checked again a week later and it still stated no payment due which we were happy with. In XXXX we received a statement saying we missed XXXX payment with a late fee and XXXX was due. My husband called on XX/XX/XXXX and the woman he spoke to acknowledged that it did say in XXXX that no payment was due until XX/XX/XXXX but that the payment should have been applied to the principal instead of future payments and that the payment and end of loan date would be the same/ I said that was incorrect because the monthly payment was based on the original loan amount of XXXX but now the loan amount remaining was XXXX so if we keep paying XXXX until the end date of XX/XX/XXXX we would be paying over XXXX on a XXXX loan. Her answer was that when we reach that amount it will just drop off. I asked for the end of loan date to be updated for transparency but she said they don't do that. We asked to speak to a supervisor and they gave us XXXX at XXXX pm, she was very nice and I asked if the bulk payment could be applied as monthly payments going forward instead of towards the principal. She said sure and told me she applied it and it would take a few days to show on our account. On XX/XX/XXXX I looked at our account and nothing had changed and it showed we were now delinquent for XXXX as well as XXXX so I called again at XXXX and spoke to XXXX who told me that the payment could not be applied as monthly payments and that XXXX wasn't a supervisor. When I said they were affecting my husbands good credit all she kept saying was " Sorry ''. I hung up and called another number for TD and spoke to XXXX at XXXX and she said that a request was put in to apply the money as payments but things were delayed at TD and I shoud check back next week. On XXXX my husband spoke to XXXX XXXX at XXXX and he said we should just pay it while we were waiting for the answer. On XXXX I spoke to XXXX who said that they decided they would use the payment for XXXX and XXXX 's payments but then we would have to start making the payments monthly from XXXX forward. On XX/XX/XXXX my husband spoke to XXXX who said she saw XXXX note but they couldn't apply it for XXXX or waive the late fee and then when he asked for a supervisor he got XXXX XXXX who said she didn't see XXXX 's notes and we have to pay XXXX. At no point were we ever contacts by TD about the fact that they received a Payment on our behalf from XXXX, how it was being applied or regarding any of our inquiries. And they ridiculous inconsistent answers and incompetent way this was handled put us in collections and affected my husbands credit score. We don't understand how an established bank handles their customers like this, its actual a disgrace.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Back in XXXX of 2020 when the pandemic had me out of work for almost a year and half, I missed one payment with Nordstrom credit card services, and it was reported during that time. I need help getting that missed payment removed from my credit report. This pandemic has beaten me down financially I have no savings at this point Im trying my best to correct my financial status and my credit is vital in that aspect. I would really appreciate some help with this issue. My payments have always been on time besides this one unfortunate issue. Ive still remained a loyal customer to this retailer despite all that has occurred.
Company Response:
State: NJ
Zip: 08865
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: In XXXX I wanted to closed one of my account at my bank. Instead of the account being closed the bank add a maintenance fee of {$9.00} in XXXX the bank added another {$9.00} maintenance fee. In XXXX the bank gave me a courtesy credit. In XXXX the bank when to my active account under phone transfer and removed {$18.00} from my account. When I send an email to the bank requesting to close the account and return my money the email was deleted. Now the bank has not closed the account and doing the process over again, a {$9.00} maintenance fee for XXXX.
Company Response:
State: NJ
Zip: 08873
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: In XXXX, I obtained a TD Cash card. After XXXX ( XXXX ) years having this card and dealing with a lot of problems with it. On XX/XX/XXXX, I paid off the card in full and closed it. I kept wondering why my credit score dropped from a XXXX to in the XXXX 's. I didn't think of it much just told myself I need to bring up my score ...! Finally, after getting it back up to a XXXX, but it kept dropping XXXX points. I looked on my banks credit journey site and noticed that TD Bank stated that I had been delinquent in my payments of their TD Cash card since XXXX to present. I tried calling them every time they would hang-up on me. Then I was able to get in contact with the " Admin XXXX XXXX XXXX '' department ; They informed me I paid this card off in full, on XX/XX/XXXX. I should contact the bank to inform them of their mistake, and they would email and send out a hard copy of the " paid in full payment ''. Pleas note this has caused my credit to drop and I've lost many opportunities for my family and I owning our own home ; plus purchasing a truck, etc..
Company Response:
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I contacted TD Bank several times over money being improperly dispensed and not put back into the account that was mishandled. I " had made several calls and in store visits to ear up errors made by lazy staff. Still no luck and no help in getting my money back.
Company Response:
State: ME
Zip: 047XX
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXXRAYMOUR & FLANIG account number XXXX This account is not my account I have already applied for a dispute, but it has not been accepted. It was also XX/XX/2020 that I first recognized. The first dispute is XX/XX/2020 Currently, I filed a dispute with XXXX XXXX.
Company Response:
State: NJ
Zip: 07650
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a payment that was due on a nonbank weekend day of Sunday, XX/XX/2022 XXXX and my payment did not post until Monday, XX/XX/2022 XXXX. They charged me a late fee and refused to reverse the excessive and harsh late fee after multiple secure emails. My payment history with this company has generally been excellent and it has been well over a year since any kind of assistance was needed with this account under much different circumstances. There is no logical reason why I should be penalized for clearly trying to pay my bill and then appear late due to an off bank day issue with how they do their payment due dates. There is absolutely no demonstrable loss from the bank of anywhere near {$30.00} for a completely systemic timing and electronic issue AND I was clearly trying to get and have my bill paid on time!!
Company Response:
State: HI
Zip: 96815
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Unfortunately I closed the account so I can not get the details for dates but I purchased an XXXX right before the pandemic hit on my target credit card. I was unable to get logged into the account and I never sign up for paperless statements. I was waiting on the paper statement when the pandemic hit and it slipped the priority list. I've had a card with target for nearly a decade. They switched me to paperless and I didn't know. Never got a paper statement and they called. I paid immediately then the next month they hit my credit report. The lady even reimbursed the late fee! Never a late payment. I've also had issues with the target debit card charging multiple times for one order on my money market account which then puts me over my transaction limit but besides the point. I contested with Target and they would not help me out even with the pandemic at the time. It's hurt my credit score and still 2 years later it's not rebounded. Are you able to help?
Company Response:
State: IA
Zip: 52317
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A