Date Received: 2023-11-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: TD/ bank is trying to collect a debt that was paid for me
Company Response:
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I had a credit limit of approximately {$11000.00} in XX/XX/2023. I had a credit balance on my account so when I made a purchase I thought it was against the credit. I wasnt aware of the check mailed. When I discovered the balance due in XX/XX/2023, I paid the bill immediately and they removed the late fee. So, XX/XX/2023 I was trying to book trip and the transaction was declined twice. I wasnt aware they reduced my credit limit to {$200.00} due to a missed payment in XX/XX/2023. My account has been in great standing prior to this and I would like to have my credit limit restored. I have called them numerous times and so told I have to proof myselfI have done if they review my account. Case XXXX XXXX
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX XXXX charges of XXXX $ were taken out of my bank account.. I only use XXXX to send to my family but never any big amounts like that.the person it was sent too i dont recognize.. I never verified these transaction. I'm not sure how someone got in my td bank account but they were also able to verify using my number and that was really new to me but I filed a dispute with td bank then they said they filed one for me but I called 2 weeks later for them to update me just for them to tell me that the worker I was talking too didn't file one for a XXXX dispute... I had to re file another one this is almost a month in back and forth with them telling me something didn't everytime.. then I started receiving calls from random people claiming they work td but those probably scams Im not sure.. Td banks and XXXX customer services was very poor and I do feel very violated and they tried putting words in my mouth. Next step is court Companys involved -td bank -XXXX
Company Response:
State: NY
Zip: 11378
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account number under an open end consumer credit plan as late for any purpose.
Company Response:
State: TX
Zip: 78572
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Unable to get your credit report or credit score
Subissue: Problem getting your free annual credit report
Consumer Complaint: For the past few months now Ive been trying to create a credit report account with some credit agencies but they wouldnt allow me create so I can check my credit score. Ive tried XXXX, XXXX, XXXX, XXXX, XXXX XXXX and fico score but they all wouldnt let me pull my credit report.
Company Response:
State: FL
Zip: 32566
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I went in to XXXX XXXX on XX/XX/2023 where I was greeted by a female sales representative. I walked around while she basically harassed and followed me through the store. I then decided to engage and ask questions about a specific couch and XXXX accent chairs. I decided to buy them and she went over the financing options. Told me I had to sign a piece of paper to see if I qualified for XXXX XXXX as I repeatedly said I did NOT want a credit card. She told me I had been approved for the non credit option and I left the store. Told me if I paid before delivery of furniture then the XXXX XXXX option would not show up on my card. I paid the furniture in full XX/XX/2023. Today, XX/XX/2023 I went to XXXX XXXX, greeted by a male sales representative I was looking at couches. Decided on XXXX and same thing. I made it clear I did not want a credit card. He insisted it was not a credit card or charge card. Said it was an account to hold the furniture. After asking more questions he admitted he had opened a credit card. I was immediately upset that he had lied and told me not to worry about it. That the card would close in XXXX yrs if I did not use it. I was so mad I told him I didnt care about that, I said that they shouldnt lie to consumers and saying they are doing one thing and then open a credit card after I was very clear I did not want one. I then checked my credit report and noticed the first card opened on XX/XX/2023 and I realized they are harassing customers and opening credit cards under false information. The same thing XXXX XXXX got in trouble for. This is Fraud. And this card was opened by fraudulent sales representative of XXXX XXXX and XXXX XXXX in XXXX XXXX Indiana. Both cards have a limit of XXXX. They are targeting minorities to commit these fraudulent acts due to the lack of credit literacy as well as marketing these credit cards as XXXX XXXX XXXX programs.
Company Response:
State: IN
Zip: 468XX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: A safe deposit box was opened at TD bank in XXXX- the no they first gave to me could not be used as it was in probate so i was offered the {$70.00} dollar rate as opposed of the {$50.00} for compensation When i closed the account the keys were returned & so i thought all was set - i have been harrassed by this bank for non payment of XXXX XXXX XXXX box- fast forward & 3 more trips to TD Bank XXXX said the issue is with XXXX XXXX in Mass to which i Do Not & Have not had an account there with the SAME DEPOSIT BOX
Company Response:
State: MA
Zip: 01752
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I went to my TD Bank app to check my balances and it would not open to display my accounts/balances/transactions. It popped up a message instructing me to call the TD XXXX number for assistance. I called that number. The lady indicated both my checking and savings accounts were 'frozen ' and I would need to physically go to my local branch. I asked her what was the reason for this, and she responded with, " It does not say why ''. I immediately ordered an XXXX ( I do not drive ). Upon entering the branch, the teller asked how she could help me. I explained their app would not display my account information and the XXXX number lady " could not provide account information '' and told me to go to my local branch. The teller looked up my accounts and right away told me to have a seat in the waiting area. Within minutes, XXXX XXXXXXXX XXXX of the branch, called me into her office. Upon sitting at her desk, XXXX asked how she could help me. I explained the same thing, that I was unable to access either of my accounts. She looked them up and said, " Yes, TD has chosen to end its relationship with you. '' I was completely shocked and taken aback. I asked why this was happening, and yet again, XXXX said " there is no reason provided. '' I requested my money from my checking and savings accounts and XXXX told me they can not give my money back to me right now. I have over {$270000.00} in their bank between the two accounts. XXXX said TD will be mailing me a letter and, once I receive that letter, I can then request my money, which will be mailed via check. I asked XXXX how long this process will take and she indicated she did not know. In the meantime, I literally have NO MONEY to buy food or medicine. This occurred on XX/XX/23, the day before XXXX! Additionally, tragically, my registered emotional support animal was very sick ( I am diagnosed with severe panic disorder and XXXX XXXX ; I asked XXXX to show her the paperwork I carry everywhere confirming my diagnosis and reliance on my pet as well as call the vet there in her office so she would know I wasn't making any of it up ; she declined to review it ). I had a vet appointment for him that very afternoon. I BEGGED XXXX for at least enough money to take him to the vet. She said there was nothing she could do. My pet later died in my arms, XXXX morning at XXXX. TD Bank killed my emotional support pet. It is now XX/XX/XXXX I am running out of food and I am unable to get medication refills. I literally have NO MONEY. What am I supposed to do??!! How do I get my money from TD Bank???????
Company Response:
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: TD Auto Finance account has inaccuracies on the date these accounts were open on and closed across the XXXX and XXXX bureau. According to the fair credit reporting act I have the right to dispute any inaccuaries placed on my credit report.
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a credit account from TD Bank in my accounts which is not mine. I have been at the bank twice but they don't give me a solution. I don't know the number of the account or credit card because it is not mine but it appears on my balance sheets. It's an account from last year and I get my first account 3 month ago.
Company Response:
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A