Date Received: 2022-08-06
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I already have accounts with TD bank but received an email that another account was opened so I contacted them and they will be closing the account but I was told to also report it to you.
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Bank promised bonus when direct deposit is made. I fulfilled this requirement, but haven't seen the bonus posted.
Company Response:
State: SC
Zip: 29715
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I HAVE NOT BEEN ABLE TO VIEW MY XXXX CREDIT REPORT FOR A FEW YEARS DUE TO A FRAUD ALERT GLITCH ON XXXX SIDE, I WAS FINALLY ABLE TO VIEW IT TODAY ONLY TO SEE THESE INQUIRIES THAT ARE NOT MINE! THESE ARE NOT MY INQUIRIES, I HAVE NO KNOWLEDGE OF THEM REMOVE THEM : XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( all dates as follows ) ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 91107
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: TD BANK blocked my account on XX/XX/XXXX and they blocked all my money, they said that the bank had made the decision to close my account and that they would return my money in a check and then week after week the assistants of the bank located in XXXX fl they gave me different excuses, even mentioning that they did not know where my money was and that they did not know if they would return it to me in a check. Time passed and every week they avoided attending me or talking to me but one day they attended me they told me that my account was closed effective XX/XX/XXXX and that I should wait until XX/XX/XXXX when a check would arrive but on XX/XX/XXXX I returned to the same branch where the man who attended me told me that he did not know where my money was and that the best thing was for me to forget about it, causing a strong reaction in me to the point where this worker, telling me that it was against his rules, would show me the screen of his computer so that he could read the emails he had about my case ( I have video ). On XX/XX/XXXX, I returned to the branch of this bank where the same man who told me that he did not know where my money was, answered me and I quote -I DID NOT SAY THIS, BUT THE BEST THING IS THAT YOU GET A LAWYER.- ( I have video ) where it tells me that the bank has made the decision not to return my money.
Company Response:
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On Friday, XX/XX/XXXX, I received a call from XXXX XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CA XXXX At first they refused to disclose who they were or why they were calling and said that papers were being served against me, and that I had to verify my social security number and phone number. I asked her if she was calling to serve legal papers from the courts and she said she couldnt tell me unless I provided my personally identifying information : she did not say no, which allowed me to think this might be the case. They would not disclose what type of papers or that it was an attempt to collect a debt, but wouldnt give any additional importation so I hung up. Then a manager, XXXX XXXX XXXX called back and said it was for a balance from am overdraft fee from XXXX for about {$220.00} from TD bank, and that if I didnt settle immediately that I would have to go to court, and have to pay their legal fees, And the bill would be more like {$1000.00} dollars. At that, I agreed to that old debt and paid it. Then, I looked up the statue of limitations and realized it was long past. I called back and spoke to XXXX XXXX about the matter, told her it was illegal to mislead me, that the statue of limitations in New York was three years for an old debt, and asked for my money back. She said that the mark has appeared on my credit as recently as XXXX, and that the account was only a couple of signatures away from litigation. I said that was still past the statue of limitations, then she agreed that was true, and in fact it was a lie and could not be sued. She said that if I canceled the payment it would restart the clock on my debt. I would never have even spoken to these people if they hadnt lied.
Company Response:
State: CA
Zip: 94536
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I financed XXXX product and was directed to TD Retail Card Services. I applied and got credit for my purchaseI was directed to set up XXXX portal to make payments etc. Payments are due on the XXXX if each month. If payment is late you incur a late fee. Their terminology is misleading because it states up to a certain amount. Its very confusing the wording in the contract and it wasnt until much searching I found TD retail card XXXX is associated with TD bank, Im a XXXX on a fixed income and my SSA payments arent deposited until second week of each month. This was very difficult to budget for as TD card services is not flexible in adjusting the due date. I explained situation to several CS reps who handle the myonlineaccount.net that they have set up, Ive had to incur multiple {$40.00} late fees because company is unreasonable and will not work with consumers. This is becoming a hardship because with outrageously high late fee its difficult to pay down balance. This company is unyielding and greedy and taking advantage of people struggling to pay bills. This company is not willing to work with consumers, theyre simply lining their own pockets with greedy practices. XXXX and other large companies use TD Bank. Buyer Beware
Company Response:
State: TX
Zip: 76248
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: TD bank is reporting a late payment on my credit report for {$80.00} when auto payment every month is around {$400.00} on auto pay. I have set up this account years ago to auto pay and i have never removed or changed this feature. I just noticed this late on my credit. looks like the bank had a glitch on their end and is hurting my credit now.
Company Response:
State: NY
Zip: 11373
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: About 30 days ago, in early XXXX, I received a bank statement from TD Bank claiming that I had overdrafted my account. Looking at the statement, I noticed that several money transfer services were used under my name ( which I did not authorize ). At the time, I immediately tried called the bank ... and after waiting on hold for about an hour I decided to send them an email requesting the account be closed. I have not heard back from the bank, and today on XX/XX/2022 I received a second banking statement saying that I still owed money for the overdraft. I believe my information was used to open this account ... an action in which I did not authorize. Please do not do business with TD Bank as they have refused to answer any of my questions.
Company Response:
State: VA
Zip: 224XX
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is my 9th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Yesterday, XX/XX/2022, I received an email from Target, saying as of XX/XX/2022 I have a credit limit of {$3600.00}. I noticed that the email emphasized that my {$3600.00} cl was of XXXX. Meaning, I believe they gave me a cl increase but its not reflecting on my account. I called Target card guest services. They were no help. I called TD Bank and I got nowhere.
Company Response:
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A