Date Received: 2022-08-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am XXXX XXXX, and on the XXXX Of XXXX I deposited my pension check into my account. On the XXXX Of XXXX I tried to withdraw fund but, the funds has not cleared. I called the bank and ask why, and their answer is that my pension is being held by The Federal Reserve 6-10 days. I ask why would The Federal Reserve hold my account funds, and I was told due to a lack of funds. This has caused problems for me due to payment obligations. I have never heard of such. Can you help me? XXXX XXXX XXXX
Company Response:
State: MA
Zip: 02131
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have contacted TD Bank about a fraudulent credit card ending in XXXX. I have tried to resolve this matter with TD Bank and still there is no resolution. When I call the customer service, I am speaking with a different customer service representative every single time. I sent in a police report to the credit bureaus regarding this account. T.D bank is electronically verifying this account stating that it belongs to me because they are attaching it to my date of birth and social security number. I asked for written documentation about this account and I have still have not received the information. I asked for application, account information and details and this still has not been sent to me. This account is fraud and T.D Bank needs to remove this account from my profile.
Company Response:
State: NJ
Zip: 07112
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have been dealing with fraud, as well as identity theft for months now. The dispute process has been a nightmare. I have resubmitted it with police reports and a written statement this was 100 % not me and I am unsure at all why am I liable for any of these charges! I put specific dates and amounts in my follow up letter to them. I have proof that my information was compromised, not sure what else I can show you guys. There is no fax numbers, and the people that I speak to dont have extensions to follow up with.
Company Response:
State: NJ
Zip: 07753
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XX/XX/2022 my SS # was used to try to open a Nordstrom credit card - I have notified XXXX and Nordstrom credit
Company Response:
State: CA
Zip: 92506
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Other transaction problem
Subissue:
Consumer Complaint: XXXX payment sent to coltgunstore.com for order to send to XXXX .XXXX payment sent from TD Bank Checking Acct. to via XXXX on XX/XX/XXXX. To : XXXX XXXX ( Colt Store ) at XXXX From : TD Bank, Personal Checking, XXXX Sent : Sunday, XX/XX/XXXX Deposited : Sunday, XX/XX/XXXX Speed : Within Minutes Reason : Order XXXX. XXXX XXXX ( XXXX ) XXXX {$890.00} Payment ID : XXXX
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Target Credit Card defaulted during my administrative process. A cease and desist was sent to them on XX/XX/2022 demanding they send an audit trail including the ledger, all accounting documents, transaction history, and account file. I also demand they remove the account they furnished on my consumer report I never gave written instructions to furnish Pursuant to 15 USC 1681b ( 2 ). Keep in mind non-compliance with my XXXX XXXX XXXX will be documented and used as exhibits for knowingly and willfully violating federal law.
Company Response:
State: TX
Zip: 77054
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Savings account opened. Monthly fee {$15.00}, waived if I have {$20000.00}. I deposited {$20000.00} within a matter of days after account opening, but still charged a fee. Very fraudulent marketing!
Company Response:
State: SC
Zip: 29715
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My outstanding balance of {$1000.00} was due on XX/XX/2022. On XX/XX/XXXX, at XXXX am, I submitted a payment of {$1000.00}. record shows it was processed on XX/XX/XXXX. On XX/XX/XXXX, without my consent the TD credit card, processed another payment of {$980.00}. This led to a chain of events cause me financial and XXXX pains. It started with over draft fees, maintenance fees, interests for other credit cards companies, and penalty for nonpayment for other credit cards companies. In addition I spent more than 10 hours, on the phone with the bank, TD credit card and other credit cards companies to contain the harm that was done by TD credit card. On XX/XX/XXXX, I filed a complained with TD credit card and requested that they cover all the fees and asked them to provide me with a response by mail. I didn't receive any. On XX/XX/XXXX, I contacted TD credit card and requested update. I was informed the issue was resolved. I explained that I didn't receive any response and I don't know what they mean by " resolved '', they informed me that the payment of {$980.00} will be transfer to my future balance. I explained to them the disaster chain of events they created and requested the following : 1. apology letter 2. {$500.00} compensation for my time and the pain I experienced XXXX. {$100.00} to cover the fees that was created by their action. I informed the associate that TD credit card has until XX/XX/XXXX to response. The company denied all my requests. I asked them to provide me with the government agency that oversee their company, the person I spoke with requested to consult with her supervisor, then she informed me they don't have any info about any government agency that oversee their company. She said I could contact the credit reporting agencies.
Company Response:
State: VT
Zip: 053XX
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was scammed into giving out my information for TD Bank and the people changed my password and i received a message saying i owe money to the bank now
Company Response:
State: NY
Zip: 11741
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I purchased furniture on a 18 month deferred interest credit card/loan through Raymour & Flanigan furniture via TD Bank XXXX XX/XX/2022. The credit application online link was given to me by Raymour & Flanigan. When I applied, I was not told this was through a third party, only that it was 18 months deferred payment and interest. Once I applied, my sales associate notified me I was approved and my furniture would be delivered in a few days. On XX/XX/2022 I noticed my credit score had dramatically decreased from XXXX to XXXX. I got a free credit report and saw it was reported by TD Bank d/b/a Raymour & Flanigan Furniture that I was 3 months late on a payments. I immediately called Raymour & Flanigan to resolve this and was told I had to contact TD bank and was give a customer service number to call. I called explained my issue, they looked up my account and I was immediately transferred to collections. The collections person that I spoke with determined that my address was not on file with their company, they didn't have my phone number, or email address and because of this I was not sent 'welcome packet ' that had my account information and terms of the loan. She also informed me I was 3 months late on payments and said because of their error of not having my contact information they would waive all late fees and defer the start date of my loan. This was supposed to take place within a 'week '. When she went to send me the welcome packet with my account information, she was not able to 'save ' the information, because my account within their system was delinquent. She offered to transfer my call to account services and when she tried to do this, the call went to a recording that the company had 'increased call volumn ' and I was disconnected. This same day, I called back, explained my situation to 4 additional people, all with the same outcome. I tried the next day, and had the same outcome..explain, transfer, disconnect. I tried a week later, same outcome, I'd explain, they'd say they can't do anything because I'm delinquent, they'd transfer me and the call would disconnect. Keep in mind, from XX/XX/XXXX to XX/XX/XXXX, I was never contacted or communicated to from TD Bank, no email, mail, text - or any form of communication. The first outbound communication I received from them was on XX/XX/2022 and it was a copy of a late invoice. I have tried since to call back and resolve this, but have been told that because my account is delinquent the credit department can not transfer me or help resolve my issue until I pay the last 3 statements. It's not possible for me to be late on a payment that was never billed to me. The billing was never sent to me because the company did not have my contact information until XX/XX/2022. Once I called them proactively and gave them my information, then they sent me a copy of a bill. I am willing to uphold my agreement, however, I want all late fees waived and my billing cycle to start on XX/XX/2022 and to include the same no interest promotion for 18 months from XX/XX/2022. The account number is : XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 14075
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A