Date Received: 2022-05-03
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On Thursday, XX/XX/2022 I received a text message about a personal checking account I never opened. On Monday, XX/XX/2022 I received a Statement of Account in regards to the account I did not open with TD Bank. I immediately called TD Bank to report the fraud. They closed the account and guided me on the next steps to report the fraud.
Company Response:
State: VA
Zip: 22802
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My account was closed on XX/XX/2022 by TD bank, on XX/XX/XXXX my brother mistakenly sent money to the account by XXXX, I called them to take the money out but they said they have to close the account first, I told them I need my money, all my efforts is prove abortive.
Company Response:
State: CT
Zip: 06042
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a letter in the mail stating that a Personal Checking account with XXXX Debit Card access was opened in my name with TD Bank. The account number isXXXX. The customer reference number is : XXXX # # #. I have contacted TD Bank and closed the account. There is no beginning or ending balance.
Company Response:
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello : Back in the start of 2022, TD Bank sent me letter suggesting that my account was in arrears by at least {$15000.00}. When we looked into it it seemed that the company was not properly processing my payments. Despite some hassle, we agreed that I would make one extra payment to 'top off ' my escrow account to ensure that he escrow wouldn't trigger insufficient funds. On XX/XX/XXXX, I made that payment of {$1600.00}. TD Bank issued a letter to me indicating that my account was fully paid up. Since then it seems that TD Bank continues to have issues and has been mishandling the monthly payments that I have made and they now claim that my account was now {$22000.00} in arrears. I have spent dozens of hours trying to interact with the bank, making phone calls, speaking with agents. I have written at least two letters/emails to them- and I have yet to get a sufficient resolution to this problem. I am seriously fearing that the bank will attempt to take my house from me despite the fact that I made all payments on time. I will submit to you a proof of payments being issued by my account, and an accounting provided by TD Bank of all of my payments. To add insult to injury, my credit score has been adversely effected by these inappropriate actions by TD Bank- and it now indicates that I have missed multiple payments to my mortgages. All of this is completely erroneous and I am unable to get new credit issued to me due to these faulty reports of misconduct on my behalf. On my last calls with the bank on XX/XX/2022, I was informed that their analysis suggested that I was still behind on my payments - when it's clear to me that ( A ) i have issued all payments through my bank and ( B ) their math on the Payment Analysis that they performed was erroneous. I am turning to the CFPB as a last resort- please help!
Company Response:
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Bought XXXX phones from XXXX. Their financing arm is TD XXXX Card Services. XXXX repeatedly screwed up the amounts, failing to credit us for the XXXX phone trade in; failed to credit promised {$50.00} charger ; incorrectly tallied sales tax. Little by little, after much back & forth, XXXX has made adjustments, & agreed to waive late fees ( which were caused by waiting to see their repeated promised " fixes '' which caused me a lot of work on emails & phone calls. TD is still reporting incorrectly. Every month, they attempt to fee us & claim we owe them more ; in fact, we are actually paying more cuz the {$31.00} was based on the wrong amounts to begin with! XXXX claims it will all come out in the wash ; TD just tries to extort us. I have even done the math for everyone & still they persist. To date, XXXX XX/XX/XXXX XXXX, we should be at {$860.00}. No more. No late charges on the books ; & the {$31.00} monthly chg is still high but is acceptable to us to pay this down. Pls have them correct, once & for all.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Company Response:
State: LA
Zip: 70122
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: TDBank 's online experience is useless. There's no information whatsoever on the escrow. When I call, it's 2 hour wait times and getting disconnected, or the person can't help. They were supposed to mail an escrow statement and never did. This is insane.
Company Response:
State: VA
Zip: 20171
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states the consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX
Company Response:
State: AZ
Zip: 85041
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I contacted the company on several occasions letting them know that I did not receive my bills. The company did not fix the error and continued to bill me later fees. I explained to the company that I was affected by the pandemic and that I was out of XXXX and moved into a smaller area. The company continues to say that the late fees are valid even though I never received my bills. I was relying on others to pay the bills. The company does not care about consumers ' financial hardship and never offered me a program for covid relief.
Company Response:
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: The following account is not mine TARGET/TD Account XXXX balance : {$560.00} Please remove it from my credit report. it does not belong me never had this account
Company Response:
State: PA
Zip: 18301
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A