Date Received: 2022-07-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My name is XXXX XXXX. My business name is XXXX XXXX XXXX XXXX I had this problem with TDs manager before 4 weeks and now with TD Bank. This is what happened. I have two business accounts under one business name. One had money {$4000.00} and the second one was negative. I wanted to withdraw {$3500.00}, but the manager refused to give me the money unless I cover the negative account. So as u know every day Money goes inside the account because its business account. And I have 60 days to get over the negative account. Plus they all ready took overdraft fee.So how comes she refuses, its two accounts, I had no suspicious, suspension at my accounts or any block. So how comes she refuses. I had to pay the order came to me same day. She made me day very bad. In the beginning she ask about my name, I told her my name is XXXX, I dont know Id she is races or she thought had powered to stop my withdrawal. I was angry and screamed in the bank, one of the customer fought with me by talking and told me go to my country. The manager told me that here is my name go make a complain do what u want. I called TD bank to make a complain then I talked to the supervisor, then he told me hell send the complain to go forward. In two weeks no body responded to me. I called back, then the representative told me the supervisor forgot to send the complain and he put the complain in draft. I said ok no problem. Then she told me, they will give it to higher position, his name XXXX XXXX. So she said he will call me in same day. But he didnt, I called him second day and left a message to him and he no contact me. Then I wait two more weeks and no body care about my complain and how I feel as a customer for 7 years in TD with two business I have with them. I want make complain at the bank and their manager. The branch at XXXX XXXX and XXXX XXXX my. The manager name is XXXX XXXX. I hope u hear my voice.
Company Response:
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I applied for Target account XXXX individually. In XXXX, I added an authorized user. I never asked nor was I told that authorized user would be a joint owner on the account. My target card has always had an available balance of {$13000.00}. I made a purchase of {$4500.00} on XX/XX/XXXX. I made a payment of {$4200.00} on XX/XX/XXXX. I called target to check my account to find out that they had lowered my credit limit with no available credit. I called and asked Target why they never sent me a letter stating they were lowering my credit limit and there was no answer. I explained to them that because of the balance decrease it greatly affected my credit score. I also called XX/XX/XXXX, to see if I could remove the authorized user but target added the authorize user to the account as joint owner, because of this also affecting his credit score. Target rep said that he could see where I initially opened the account in XXXX and added him as an authorized user. Target claimed he was added as a joint account holder. I asked them for the initial application and the form where I added the authorize user as a joint account holder. Target customer service rep. He told me Target does not have any documentation but here is an address that you can try.
Company Response:
State: NC
Zip: 27407
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A Target and XXXX credit card were open using my information on XX/XX/2022. Target and XXXX tell me this was done online. I Have placed a credit freeze and Alert with all three major credit agency 's
Company Response:
State: WI
Zip: 540XX
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I'm complaining about XXXX accounts that was opened in my name that I didn't open up with TD bank I spoke with customer service and she told me that I have to come into their branch with my ID I told her I wasn't able to get to one of there branches due to transportation I am disabled so she told me she wasn't able to help me so I asked her how is it possible for someone to open up an account in my name without showing ID she told me she was able to open up XXXX online so that why I'm submitting this complaint to get this resolved the XXXX accounts numbers I'm referring to is acct # XXXX and acct # XXXX
Company Response:
State: FL
Zip: 32211
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: The below was sent with an old email that I can't open anymore to see response. This is a second account being made by me with new email. Can response be sent here or what do I need to do. This is XXXX XXXX Old email : XXXX New email : XXXX Thank You This ticket ( # XXXX ) has been updated. Hi XXXX, Thank you again for your submission to the FCC. The FCC 's role in this process is to facilitate a conversation between you and your provider. We received a response from your provider to your XXXX XXXX. XXXX. Here 's what happens next : - Your provider is required to send you a written copy of its response. Keep in mind, If the carrier sends the response by postal mail, it could take up to 10 days for you to receive the response. - Please review your provider 's response. If the issues you raised in your ticket remain unresolved, you can reply directly to this email with a short description of the problem. - Keep in mind that billing adjustments or other actions by your provider could take time to implement. - If we do not hear from you within 30 days, your ticket will be closed. - If you have new issues with your provider, you can file an additional complaint by going to : consumercomplaints.fcc.gov This email is a service from FCC Consumer Inquires and Complaints.
Company Response:
State: NJ
Zip: 08401
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a had a Target Credit card and have never missed a payment up until recently. I have always been on time and up to date with it and thought that I had set up auto pay back in XXXX to continue making my payments for me. I was under the impression that I had set up auto pay and then recently had received a letter in the mail telling me I missed my payment. I had no idea that my auto pay was off. I am in the process of buying a home and the late payment mark on my credit report is bringing me down significantly. I do not believe this remark is accurate to me and my credit history as I was ALWAYS on time and would pay off my balances is a timely manner. Target had refunded me the late fee already because they understood the mistake and know that is not my history, but is unwilling to remove the mark on my credit report. I really need this removed in order to have a more accurate credit report score. I have no credit card debt and have always been in good standing with the XXXX company.
Company Response:
State: CA
Zip: 93720
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: On XX/XX/2022 at XXXXXXXX XXXX, I received a phone call from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX in regards to my wife 's Target card. They offered me a 50 % settlement, and I agreed. When she asked if there was anything else she could do at the end of the call, I made the comment ; " Nope, great to have yet another scummy debt collection agency off of my back. '' Her response was ; " Well, I'm glad you paid your bill. '' This constitutes a violation of 12 CFR Part 1006 Subsection 14 " Use of harassing, oppressive, or abusive conduct. ''
Company Response:
State: IN
Zip: 46236
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In early XXXX, when I was travelling in Maine to my daughter 's graduation, I received a phone call from someone claiming to be from TD Bank. She said " there was a problem '' with one of my accounts ( I think my family has five accounts there ), but would provide no other information, because, she said, it wasn't safe to do so over the phone. She suggested that I call the TD bank 800 number or contact my local branch office ( in XXXX, MA ) who would tell me what was going on. That, she said, would be safer for me. She made no attempt to get any account numbers or any other information from me. So, while it could have been a prank, it evidently wasn't phishing. I promptly called both the consumer line at TD and my local branch, but neither knew anything. There were no notes on my account, no withdrawals that I couldn't identify. So I figured it was a mistake or a prank and tried to forget about it. However, about a week later I received a letter in the mail from TD Bank telling me to go to my local branch, where my wife and I should close out an old line of credit we hadn't used in many years and replace it with a new one, since there had apparently been a suspicious withdrawal from that account ( though I couldn't see any such transaction at my account online ). So we did this, via affidavit, in front of the bank manager in XXXX, MA. I then assumed this matter was finished. But a couple of weeks later, I got a letter from TD, dunning me for an unpaid bill on this newly created account and warning me that they would report this matter to credit agencies if I did not promptly pay. I went back to the online bank site, and now saw a balance of about {$7100.00} on our long unused line of credit. We had not used this new account any more than we had the old one. That balance had apparently been transferred from our old account to this new one. I checked to see when any money came out of it : and found that it was indeed XX/XX/XXXX, a couple of days before I received the mysterious call in Maine. Outraged that I should be required to pay bills for a withdrawal that TD knew to be fraudulent, I naturally spent about half of several days talking/complaining to all the various people at the Loan Servicing and Fraud Units to whom I was transferred. Several people there were quite sympathetic : they were also astonished that I would be asked to pay bills to service loans for funds that TD knew quite well I had not received. But nobody could actually help me. One woman in the fraud unit told me that fraud investigations can take two or three months and that someone would likely be contacting me : she had no contact information herself to give me, however. So I can not contact them. This issue brought to mind that I had occasionally been getting calls from something my phone identified as " XXXX XXXX, '' and the people claimed to be from TD bank. But as those people always asked me for either my account number or my Social Security Number, I always told them I was not comfortable providing such info over the phone to a number that I couldn't verify publicly. And my reluctance on this matter seemed confirmed when I PMed TD bank the phone number through their online portal and received the response that they did not recognize it : so I was apparently right to be wary. One suggestion I did receive from the Fraud Unit was to go back to my local branch and see if they knew anything more. So, my wife and I went back there and again met with the manager. She still knew nothing, but called the TD HELOC department and eventually got through to someone who suggested that she email our questions/complaints to the person from whom her branch originally received the instruction that I close out my original account and replace it with a new one. She did this. But I have heard nothing since. In the meantime, I was counseled to pay the approximately {$75.00} charges I'd be receiving each month until the conclusion of " the investigation '' ( which, again, I may actually be holding up by not talking to " XXXX XXXX '' when they call me ). I suppose I should be glad that only about {$7000.00} was stolen rather than {$170000.00}, considering what my monthly minimum balance would be in that case. I was also assured by both this branch manager and the Fraud Unit that at the end of " the investigation '' I'd will be reimbursed for any money I paid for servicing this loan. Obviously, though, based on what's gone on so far, I have very little confidence in that actually happening. Also suppose " the investigation '' takes longer than the average 2-3 months. A year, perhaps -- maybe two! How much am I supposed to give them with so little confidence in ever being repaid for servicing a debt for which I received no funds? So, I'm looking for help from your agency on this matter. If TD Bank has no information suggesting that I received any benefit from this XX/XX/XXXX withdrawal, why can they require payments from me, assess penalties for non-payment, and possibly harm my credit rating? That institution seems to have known right away that this was a fraudulent transaction. They immediately froze the account ( something for which I'm grateful, of course ). But if that's the case, why am I required to service the debt? I hope you can help : I mean, if I could bill TD for the amount of time I've already spent on the phone or in the branch over this matter, THEY would owe ME a substantial sum. Many thanks for any assistance you can provide.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2022 my husband received a call that appeared to be from XXXX XXXX XXXX. The person on the line stated he was a representative from XXXX XXXX XXXX and that someone had set up a XXXX account in his name in the amount of {$15000.00} and that he had XXXX minutes to rectify the issue by setting up a XXXX transfer in his name, my husband, to TD Bank. The person was real professional and very convincing. Since my husband was very busy, we had customer 's coming into our store plus our field techs returning he handed me the phone. Again, this person was very professional, giving out names of supervisors at XXXX XXXX XXXX, etc. I followed his instructions and did XXXX XXXX transfers from XXXX different accounts under our business name to an account at TD Bank under my husband 's name. Total amount of the transfers was {$12000.00}. This person kept reassuring me that this was legitimate through XXXX XXXXXXXX XXXX, caller ID on the phone said XXXX XXXXXXXX XXXX and we would receive the money back within a few hours. Transfers were made. Unfortunately, the money was gone from our accounts and there is no option to stop payment or cancel transaction. We filed a claim with XXXX XXXX XXXXXXXX and it was denied because they transferred the funds to TD Bank per our instructions. How was someone able to go to TD Bank and set up an account in my husband 's name with no identification. We also filed a police report with our County 's Sherrif Department. According to XXXX XXXXXXXX XXXX they forwarded our claim/complaint to TD Bank but we have not heard from them. The account at TD Bank where the money was transferred to was opened under the name of XXXX XXXX. Since the account at TD Bank was opened up fraudulently, we do not know the account number.
Company Response:
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was recently released from bankruptcy and my attorney said TD Bank never responded within the 21 day limit. I have been on time with payments and have not missed any. Since XX/XX/2022 TD Bank has not applied my payments to my account even though they have the money. I called several times and was told they would apply the payments. They have not. I have hired an attorney to have them apply my payments and he has not heard back from them. I've done everything I can to have them apply the payments. The money has been taken from from checking account and you can clearly see on statements I have been paying my mortgage on time. They are threatening foreclosure. This is not acceptable.
Company Response:
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A